Failed OF Girl Has $8.10 In Her Checking Account | Financial Audit

I want to get married. It's a. >> are you just going to pester and break. down until he caves? He does not want to. get married to me whatsoever. I would be. gone from 7:00 in the morning to 11:00. p.m. >> days a week? >> Three. >> [laughter]. >> Your finances were relatively in order. until she came into the picture. >> Yeah, I'd say so. And now it's. completely draining your savings for. her. She's draining you. She wants to. get married, she's leeching on. She's. draining your savings. Everything's The. reality is you were making no progress. and now the only reason is cuz the guy's. taking care of your every single need.

And you want to rush into marriage with. him and lock him down? >> Can you blame me? Next week is THE FINAL WEEK. DOLLARWISE. IS FINALLY HERE, sending waves through. the personal finance world. This is. officially now the best budgeting app on. the market and I'm giving you a special. deal to download, but only through March. 31st. Take a free 3-day trial to test it. out and then you get the monthly plan at. a 33% discount for the first 3 months or. the annual plan at an insane 50%. discount. [music] And with the annual, you get my budget-friendly cookbook and. my brand new 30-day detailed budget meal. plan [music] signed by me and mailed. directly to you. After March 31st, the.

cookbook is going away forever, so this. is literally your last chance. >> Don't miss the opportunity of a. lifetime. Download DollarWise and start. your free trial. Go to dollarwise.com or. click the link below. Hi, I'm Megan. I'm 22. What's up? I'm Kyle. I'm 28. We're from. Dallas, Texas. And this is [music]. Financial Audit. I know it's a it's a messy Monday here. in Financial Audit world when Lindsey. gives me a little bit of the tea. beforehand. I never get the tea. I. always go in blind and I still am. mostly, but when I get a little bit of.

the tea beforehand, I know it's a messy. Mondays what I'm starting to call them. I'm coining that at this exact moment. Thanks for coming in, driving down from. Dallas. I appreciate it. Listen, Megan, you're right in front of me. What do you do for a living in Dallas? I. work as a market analyst at a big card. company. Card company? >> uh greeting, like. uh. The What kind of card? >> Video game like video game cards. >> Yeah, that when I heard market analyst I. was like "Mhm.".

and then car It's like card ID like I'm. basically just researching cards and. then like putting a bunch of information. about it into a big system. >> And what do you make doing that? I make. roughly 43,000 a year-ish. Okay, okay, not bad. I mean 22 certainly not bad for. the 22 years old. Listen, and Dallas I. mean it's kind of an expensive kind of. an expensive metro for sure. Um. and what do you do? I'm a body piercer. Ah, yes it fits the personality. You. guys have all the fun things on you,

don't you? Totally got to add more. Yeah. Oh, are you going to? I don't. know. Maybe, you know, you could do like. eyebrows, you could do your lips, you. could do. >> [ __ ] So what do you make? Uh it's. straight commission so around 40 to 80k. a year. Okay, 40 to 80k is a huge range. You can't live Okay, yeah, but what's. your monthly average just your average. month? Average month. uh. 4k. Okay, 4,000. Listen. And how long.

have you guys been married? Dating. Just. dating. Dating not married. Okay. We. just hit our year a couple days ago. Oh, a couple days ago. Welcome. Listen, Brandon's trying to steal your girl in. the background. One year? You still have. an intro. So the 44,000 what hits your. account on a monthly basis? Um it's. about 1,800 every 2 weeks. Wait, I don't even know what this means. This is just a crazy note that just got.

He saw her tits before they were dating. and her ex I mean there's not I mean. they're literally I mean they're man. tits, but that's okay. And her ex was in. the room with them. He was Oh, he was. piercing your nipples. >> Yes. Oh, okay. Okay. Oh, that was good. That was good. Cuz that's all they are. is just nipples. Yeah. They're like. little boy They're little tits. They're. little boy tits, you know, like chubby. boy. They're there. You want to grab. chubby boys? I have small hands, so it. works. You like to grab chubby boys with your. small hands? >> No, but I can only imagine. >> Only this chubby boy. Yeah. Interesting.

Okay. Okay. Well, I guess that's not. weird if you're just piercing then. Cuz. I was reading that and I was like, "What. the But it is it is it's an interesting. He pierces like penises, too. Like. random dude's penis. >> I know. We were trying to convince. someone on the team to do it for the. post show, but we couldn't. >> Mark, you come to my office? Um. >> [clears throat]. >> Yeah, so talking to the financial audit. team. Um we're going to have to. pierce your dick for the post show. What? So, what do I have a month? Uh. roughly like 3,800. Okay.

>> 4,000. So, are we trying to work on. marriage? Is marriage in the future? Cuz. that's usually what we do when it comes. to financial audit. And this would be a. strong household income. I want to get. married. I ideally would love to combine. our incomes, have joint accounts, and. everything like that. Um he does not. want to get married to me whatsoever. He. thinks marriage is a scam. Um Marriage. is a scam? What do you mean? There's so. many natural protections that come with. it. >> Love is real, but marriage is a it's. just a.

scam. Yeah. >> How's it a scam? What does that make. sense? Scam. Well, how's it a scam? Because 50% of marriages end in divorce. I think over than that. Well, don't get. married to someone you're not ready to. commit yourself to for your life. Don't. you think all people that get married. think that same thing? No. Oh. Well, that's what I thought I was. >> people fool around with marriage and. have some fun. I don't know. Is this the. guy you're trying to get married to? Yeah, ideally. So, you're there. You're. ready. You're you're in. >> Not right now. Like. >> he was like. with your tits while you're dating. another guy, right? >> Yeah, 100%.

>> Okay. So, I mean, you probably thought. you were going to marry that guy, right? No. Oh, come on. In the time. >> Then why were you dating him? I had made. some poor decisions at that point. Okay, but it's a scam because some people get. divorced? That A. analytic, by the way. I mean, Uh there is something weird with that. It dramatically goes down for how long. people have been married, though. Like. if you make it past the first couple. years or some something like that. I. don't remember. It's one of those weird. kind of flawed analytics. Like it's. true, but it's also very contextual. So,

to be clear, you get married, there's. legal protections. You immediately get. inheritance without a will. So, things. immediately legally transfer. No issues. Uh if you're not married, good luck with. that. It's also property uh property. rights. So, you get the spousal property. rights, social security benefits, employer benefit access, medical. decision-making authority. This comes. with marriage. Hospital and emergency. access protections, wrongful death and. injury lawsuits, immigration benefits,

obviously joint tax benefits, debt and. liability rules. Like spouses can share. responsibility for certain debts and. medical expenses can become joint. obligations, automatic automatic. parental presumptions. Um obviously, you don't have to testify. against your person in court. You both. look like you do crazy [ __ ]. We don't have to testify against each. other. If you're married, you will. If. you're not married, you will. So, there's a lot of things that come with. it. I don't understand the scam because.

some people. >> Does all that come with common law? Um. I guess that probably depends on the. state, right? >> who the hell wants to get common law. married? Like who's proud to say they. got common law married? Who's going to say that? You just got. married. Not the same. It's not the same and you. know it. >> Weddings are expensive. >> Well, first of all, she wants a wedding. You don't. Why the [ __ ] are you guys. together? That seems like a pretty damn. big thing. To be clear, I think I can. break him. We're a year in. I mean. >> you can live in a situation or a. relationship without it ending in.

marriage. No, you can. But you guys. aren't aligned on that. But I've said it. since the beginning, just to be fair. Damn near like first month dating her, I. was like, "Hey, I am not a marriage. guy." So, in Texas, the common law would. have to be if proven in that if. obviously is like a lot of work and that. kind of pulls all the weight. And a lot. of that comes with it. Not everything. Not everything. Uh you have to have an agreement to be. married. Which again. >> All right. Touché. Um. you're not really into living together.

as spouses. Obviously, you have that. But not everything comes with it still. Not everything comes with it. And if you. have to get married or you really want. to get married, I like I know you you. say it's a kind of a cute answer. Oh, I'll break him. No, I mean honestly. Can we I mean can we be honest? You can. love someone and also be wasting your. time. Mhm. If this is like your life goal, life. mission, what are you trying to do? You're trying to have kids? Trying to. have all that [ __ ]. >> No kids. Ever. >> Okay. Well, But I mean if you're rushing. into marriage, you can assume that a lot. of the other things are going to come.

with it, but um okay. So, you're. >> He He is so perfect in every other. regard. It's like why are you so against. this one part? Like Well, he thinks it's. a scam. And if he thinks it's a scam, which it's objectively not, he's so far. gone on reality when it comes to. marriage, I don't think you guys are. ever going to see eye to eye on that. So, I like I don't get it. I think. you're wasting time. You're determined, but you might just be wasting your. [ __ ] time. Then I will waste my time. and be happy while I do it. Except you. won't be cuz you're not married. And one.

of your big goals is to be married. I'm. not trying to talk you out of dating. this guy, but I do need you to see the. reality of the situation. And you're. still very much in the honeymoon phase. You're a year in. Like what the. Everything's golden. Everything's happy. Couple fights here and there. Okay. Sure. Right? He's just like proven to me to be. the best domestic partner in in like. having the house and doing everything we. do together. >> you really want to get married and he. doesn't. How important is that to you? From everything I understand, pretty. damn. On a scale 1 to 10, I'd say like. an 8 and a half.

>> Yeah, that's so I'm not saying. everything else isn't good. I'm not. saying that. It is from the sounds of it. I mean, your finances are not, and I don't think. you guys agree financially, but sure, he's a good partner in a lot of the. other things that matter. I just. >> you were telling Lindsey that you're. worried about your guys' future. together. Did you tell her? Um I don't know in what context. Oh, maybe in just the context of if you. did change your mind and you. >> about finances.

>> didn't want to marry like if you change. your mind and you were like, "Actually, if you're not going to marry me, I'm. leaving." Why would I go into the. mindset of marriage thinking that I'm. going to change my mind at some point? Why Why would that make sense? >> People change. I don't know. >> But that's Marriage isn't something you. just up and wake up one day and decide, "No, never mind." Like, no, that's not. how you do it. If you really love the. person. and have I not proven to you that I love. you enough times? But he thinks that. overall, what he was talking about. before is you guys' different views on. marriage and finances.

could be dramatically troublesome. in the future of your lives together. That's what Kyle was saying. I could see. that, but like. I think my finances have been a little. more in order than they have in the. past, and I'm willing to make more steps. to fix them. and actually see a big big picture. future, you know what I mean? That looks. happy, that looks like like I could. afford a wedding, you know what I mean?

Or we could just go vacation in Hawaii. That's what you want to do. We'll go. vacation anywhere you want. I don't want a vacation. I want a. wedding. Well, to be clear, the only. reason your finances are better is cuz. he's completely paying your rent. I mean, that's it. You're not actually. doing anything different. You didn't. improve your life. You're getting. subsidized by your guy. No wonder you. want to be with him so much. He's. completely paying for your entire life. I mean, that's it. I mean, I'm not. saying like bad job for funneling the.

extra money in the right direction. I'm. not saying that, but let's be honest, it's the reason why. If you find a guy. that's willing to fully take care of. your rent, even though you guys make. pretty much the same amount of money on. average. So, I I think he makes more than me. I don't. think he makes more than. >> so I have to pay for all my supplies and. everything, and I'm supposed to be to. putting money away for taxes. >> Who pays for all the going out to eat? >> away for taxes? Yeah, right. >> Supposed to be. Supposed to be. I don't. know, some of the some of the production. staff on the back end is reading using a.

gold digger. Not going to say anyone's. names. Her? Oh, okay. >> Yeah. They can't afford to eat out. >> for all the food, he pays for the roof. over the head. >> Uh, he does. not pay for all the food. I pay for all. the. >> groceries. No, going out to eat, which. is by the way, like probably how we eat. Let's be honest. Like sure, I'm glad you get a couple. groceries here and there. Listen, and maybe you are, maybe you're. not, but the thing is, it sounds like. you're finally you never took care of. your situations at all. You're only 22, so it's not like I'm like freaking out.

about someone at 22 not going absolutely. crazy in life, but. the reality is, you were making no. progress, and now the only reason is cuz. the guy's taking care of your every. single need. And you want to rush into marriage with. him and lock him down? I kind of. understand why. Can you blame me? No, that's what I just said. >> Yeah. I mean, I can also understand why. maybe he doesn't want to rush into it. Like you just don't want to. I disagree. with that. But I understand not wanting. to rush into it if someone's like. attaching. herself as a leech.

to the relationship, and now all of a. sudden it's her only he's almost. I I believe there is love here. I'm not. saying there is not. But the only way. she is ever able to improve her life is. because you're taking care of her. completely. It's the only time. Which is an interesting situation to. read from the outside. The only time you've ever been able to. do anything is because he's taking care. And taking care of a couple groceries. here and there it all of a sudden make. the situation fair. Why don't you split. things down the middle? Why why why are. we doing it this way? Why are you.

completely taken care of in this like. the baby? Because I I know that I made. more. And. >> Well, on average you said you make four, so I don't understand cuz she makes 38. But semi recently she's she's hasn't had. that job making that. >> just started in December. It has not. been a long time. >> Okay, December we're talking a couple. months now. And you just quit your. second job as well. Yes, I did. Which. means okay, so we're not bringing in. that extra income. >> That extra income was literally like. $137.

every 2 weeks. It wasn't even supplying. the gap that. >> crazy, but that helps start paying for. the going out to eat that the dude. provides or the utilities or the. internet or the phone bill or car. insurance. Sounds like that is just not. money especially when we're drowning in. debt. It also sounds like low hours, low. effort anyway, if you're only making. that much. It was. That's why. >> Now, why'd you quit? Let's be honest. So. much drama. >> No, it's because you want to be a Twitch. streamer. I do want to Twitch stream. >> It's because you want to be a Twitch. streamer and you want to post the what.

everyone would think is a man. chest online. I don't want to post my chest online. I. just want to play video games for like. random people. >> Literal lies. I know you're trying to. get him to start your only. It was an idea to make more money so we. could not struggle as bad. >> Uh-huh, it's an idea, but I know it's a. huge argument. It's a huge fight. Yeah, you can downplay it on camera real. quick, but I know through the. conversations you guys had in. pre-production, it's a big drama. It's a. big fight your guys' disagreement.

On starting up the OF. I just think. >> used to do the OF. Yeah, I did. It did. >> And what were you posting? Semi I never posted fully on the main. page. I would only do that for people. who paid extra. And it's been deleted? Yes. Fully deleted. So you can't even. start from where you were. No. >> You have to start from scratch. Yeah. How many followers were you getting? What were you making? You're in the top. 4% of creators after a month. >> I was. After a month and a half, I made.

about. >> How? $6,000. >> Oh, that's the top 4%. Yeah, it's. honestly not a very competitive market. when you get into the top 10. >> Oh, you had clients at the car shop. Yeah, so that was actually why I. stopped. Because people would DM me and. be like, I recognize you from the place. I worked at, the car shop I worked at. And that was like, that's [ __ ]. creepy. I don't need you coming to my. job. >> It's odd. >> my titties, that's weird. Sure. Are they. coming to there because they seen your. titties or because they already went. there? >> titties.

>> Yeah, that's weird. I don't like that. >> Yeah, and it became a safety issue. >> are we starting it back up again? Cuz. you're still there. No, I left there. That was a. >> So, this car place is not public facing? No, it's not. >> This position, you're in the back? Yes. Okay. Okay. Well, I mean, if you're. posting face, yes, everyone's people are. going to recognize you at some point. And why is this a big fight, big. contention? He thinks only women are. [ __ ] Yeah. And some men have no. respect. Yes. Yeah. Got to be the change. you want to see in the world. I mean, only women are [ __ ].

But, it doesn't mean being a [ __ ] is. bad. I mean, I'm kind of a. I don't huh? New age. Kind of a way, but I also don't think. >> with anybody. That never happened. I. also don't necessarily think pros are. bad as long as people are consensual and. safe and not being trafficked or abused. So, it's like, I don't really care. >> Exactly. If I'm safe and happy. >> adults are doing. Touché. So, happy. rolling in money posting my own titties. and let me do it. Like, it's not. Okay, I'm I will save my ass way better. than my titties. Can we talk about that? Like, It's true. significantly better.

I'm an ass man. I'm an. How was it successful so quickly if. we're going to do it again? I. [clears throat] mainly marketed through. my Instagram and it just kind of took. off from there with like people from my. hometown who would recognize me. Well, now it's very uh um. From the hometown that recognized you? Yeah, so like people I went to high. school with that were just like, oh, she. hasn't now.

Okay, well, this isn't very. It's not that exciting, honestly. But. you're vehemently against it. You're. vehemently against marriage. You're. vehemently Do you want kids? No. Okay, so you're at least both aligned on that. Yeah. You don't want to combine. finances, she does. You're vehemently. against her being a [ __ ]. Um. but you want to be a [ __ ]. Uh Maybe on the side. Yeah, side [ __ ] but that's. what most people will know you for at. that point. So, where do these. conversations go then? Where do they end. up?

I mean, typically we'll just kind of let. it trail off, stop talking about it, change the subject, whatever. >> Why don't we have a ending? Give it Give. Tell me Tell me how did this have. conversation actually go? Give me the. dynamic. I need to know what this house. looks like. >> So, the very first time I I guess we'll. bring up the old thing first cuz that's. like the one I remember the most. When I. first brought it up to him, I was like, hey, I'm really toying with the idea. like I could really use the money. I. kind of want to start my again. And at. first, he was like, absolutely not. Like, no. Never. We are not doing that.

You are not doing that. You are not. allowed to do that. Like, you obviously. don't respect yourself enough. Um. but then but then I introduced the. concept that he could join me doing it. and all of a sudden it was okay. Oh, so. now cuz your dick will be in it? I think. it was just me trying to uh Wait, so. you're going to put you on camera? So, is this the play? No, I think. Blow jobs on cam? When we were talking. about this, I think I was just trying to. end the conversation, be like, yeah,

maybe we'll talk about it to end it, but. no, I am not going to put my dick on. camera. But he totally would. No, I wouldn't. I think you guys are too nice to each. other, especially this year and I don't. think you guys actually stand up. Cuz look at that. I mean just even like. look at this. You guys are vehemently. opposed on this, but she's just like no, it's going to happen. It's like Yeah, I. didn't know it was this this vehemently. in her mind anyways, so it's weird. I don't talk about it a lot.

>> are you just going to pester and break. down until he caves? Yeah, that's the. goal. With everything. >> And this is what you that's acceptable. to you. That's a good question. Damn. Um. Yeah, cuz you guys are way too early. into this relationship and you going to. have to How long have you guys lived. together? This is fresh. This is baby. relationship. Yeah. Yeah. Yeah. I don't think I'll break. You haven't. thought about the hard [ __ ] dude. What. is the hard [ __ ] Exactly. I need to.

know. I don't know. And you don't think. about the fact that I don't think. marriage is going to happen. Why do you. care about marriage? I just want to feel. like intimately close to someone and. plus like all the benefits you said, I. pay my taxes, so I want obviously the. benefits that come from that. I don't. want to be like forever filing. independently because I just have to. >> Are you sure you want to file with him? Well, not right now. Isn't that the. thing that you literally do not pay your. taxes? Right. Yeah.

The government. >> I agree. They're not very effective. They do have the guns and access to. taking money before it hits your. account. Like they. they have flying black Doritos. that wipe countries off the map. I can't fight them. I. will not I can't win against an army, but Yeah, they will get their taxes. How. long has it been since you paid taxes?

I haven't paid taxes since I've started. my piercing career. Four years. Three. years really until I get on the radar. What happens? Then what? What are you. just going to pay a big bill? Are you. going to get on a payment plan? Or are. you going to say [ __ ] the government and. get arrested? Probably [ __ ] the. government and get arrested. >> what you want to be with. To be clear. A guy in jail. You suck with money. So you download a. budgeting app. You start with the. classic one, YNAB. But everyone just. deletes it because it's way too. complicated to use. So you go to.

EveryDollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money, they got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. Then there's the new guy. on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far. But private equity. doesn't have the best track record when. it comes to private data. That's why I. like Dollar wise. Built by these people. just like you, poor people just like.

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you can watch Financial Audit and get. free money at the same time. Who would. have thought? That's incredible. Check. it out, link in the description below. Sign up for Chime, GET THAT $350 RIGHT. NOW IN YOUR CHECKING ACCOUNT. I DIDN'T KNOW. >> HE'S standing on his principles. >> know you would just. >> goodness. Have you guys ever had a. conversation about anything important. that you guys value? Or do you guys just call it a day? No. No, I mean. I thought so. >> You don't really like to talk about.

personal things in any relationship. >> That's Oh, that's good. That's true. You. really are a reserved person. >> Oh, yippee, in a relationship. That's. great. I'm the most open with her, so. she knows the most about me. So, that's. really. telling that I don't I'm pretty closed. off. Aha. I'm an open book. I'll tell. anybody anything, you know, obviously I. don't I'll show anybody anything, so. I'll tell anybody anything. So, it just. sounds like I don't I don't know your. year and a no and no one's had a. relationship about like.

No one's had a conversation about where. this relationship will actually go. because I don't think we're aligned on. anything that's actually critical. I. really don't. You guys are just having. fun. You're [ __ ] around. This is not. a marriage, by the way. This is not a. marriage. You're not getting into a. marriage. There is no marriage here. You. guys haven't had any conversations. relevant to marriage. Good luck wanting. a marriage. What the [ __ ] are you on. about? What are you talking about? You. guys are just having fun. You guys are. like high schoolers having fun. 16, 15, whatever the. in the car. That's all you guys are. doing. I mean, it's not even a lot of. sex, to be real with you. Okay, well,

I'm not criticizing that. That's not. what I'm talking about, but you guys are. just having fun enjoying each other's. experience. Is that so wrong to do in. the first half, like? >> In the first half, but when you. aggressively want marriage with him and. we don't even realize the huge. disagreements that we have and we they. they haven't even come up until this. conversation. Yes, actually, that is. incredibly scary. And he's a hardcore. anarchist and you're a hardcore like. uh upper left.

uh liberal, like a libertarian up. So, it's like you guys are worldview. completely misaligned as well. This. dude's far down, you're left up. Like that is a worldview conflict. He's. freedom, freedom, freedom. You're I'm. going to cancel everyone's career the. moment they say a bad word. So, that's. is where I'm concerned like, okay, what. are we doing? Finances. This is separate. finances, right? Like in a separate. finances. And your finances, besides not. paying taxes, which I mean. that would already cure your entire. financial situation, but either way, I.

guess your finances were relatively. in order until she came into the. picture. Sort of, yeah, I'd say so. I was able to. have a bit of a savings. And now it's. completely draining the savings for her. She's draining you. She wants to get. married, she's leeching on, she's. draining your savings, everything's. She does have a. >> You're just happy that there's someone. there, I think. I honestly think you're. just happy that there is someone I mean, you are cute, someone attractive by your side. Mhm. Mhm. She does have a structured. settlement, so.

I don't know if that's like What was the. deal that it's going to replenish you? >> No. No, that's not the case. >> the [ __ ] Yeah, we haven't talked about. it. >> I've told you verbatim I want to put it. back into the house. That's crazy that. we've never talked about it. >> Uh located What are you talking about. then? Come on, put it back into the. house. What are you talking about? Get. yourself a tooth. tooth. Okay. What happened? What did you do? They had cavities when I was a kid and. they just took them out instead of. filling them for some reason. I don't. know why. >> Brutal. Okay. house.

Yeah, we have a we have a house. Um it's. not. >> We have a house. It doesn't sound like. it. >> It's not a we. >> I heard you say we. You've been dating. since May. You guys aren't married. What. the [ __ ] are you talking about? >> I am paying the mortgage of the house to. my grandmother who owns the house. And. you're saying we? So we you really are. latching on and taking everything from. this man, are you not? Come on, this is. how I'm starting to read it. No. >> trying to just be anti septum piercing, you know, cuz you have it as well, so. >> I pay for my own things independent of. him though. That's the thing.

>> [ __ ] He pays for going out to eat. You Oh, yeah, I mean when you're He pays. for him to go out to eat. He does not. pay for me to go out to eat. When your food is taken care of other. than a few groceries and the roof over. your head is taken care of, yeah, you're. right, you can get things independently. cuz that's the biggest expense in. everyone's life. I'm grateful, I'm. lucky, I'm blessed. Like. >> Yeah, why don't you chip in then? I. can't now. Now that I get my finances. straight. >> making? I was making like seven No, like. 689 a week before.

I don't know what that totals up to. >> Okay, that's not that big difference. I. mean it's like a $800 difference or so. You could have at least chipped in, even. like 25% of your income. Also, I did not. stop paying rent the entire time I was. there. >> like 75% of the time that you guys go. out. Lies. Literally lies. When we go. out to eat together? Which is how often? How many times a week do I see you? A lot. We see each other after we I get off. work and after you get off work every.

night. So, post 8:00 p.m. What's open. post 8:00 p.m.? >> And it's hundreds and hundreds and. hundreds of dollars in miscellaneous. [ __ ] alone is almost a thousand. I. mean, [ __ ] spending in this. household is I mean, with all the large. purchases and unknowns, I'm guessing. it's about 2,000 bucks a month. But it's like we don't go out to eat a. lot together. It's a lot of eating. independent from each other. So, like. his food money is probably equally his. and my money. >> guys go out, he does it or when you guys. DoorDash together, he pays for it. I pay. for DoorDash. No, you don't. You have my No, he says.

he does. on your file. I don't use your card. >> His card is on your file, dude. >> I don't use your card. I pay for. DoorDash. I do. I check my finances. He said the app. that I use to check my finances is a. scam, which is crazy. It's a scam. >> is it? >> Literally everything's a scam now. >> I just tried Rocket Money or whatever. it's called to try and figure out all. the subscriptions that my card had. And then it didn't do it. >> mean, that's a very good very good. sellable feature, but in action, Rocket.

Money, honestly, at this point, everything else has gotten so much. better. I used to support them, but at. this point, I'd do Dollar Wise anyway. Listen, the fact is Rocket Money, they're owned by Rocket Mortgage. What. do you think they're going to try to. sell you in the end? That's all I'm going to say about that. So, scam, not going to say that. I. didn't say scam technically. It just. didn't work. It didn't do what I was. thinking it was going to do. Yeah. Learn it. >> Okay, but you think everything's I mean. you don't trust the government, you. don't trust the you're a full anarchist. I don't really understand that. Um, what. do you not understand? Full anarchy is.

kind of crazy. I'm not full anarchy. I just mainly all three letter agencies. are corrupt, should be abolished, should. be rewritten. There's an attack on the. species by a guild of psychopaths and. they must be defeated. CIA, FBI. >> Most three letter agencies. You just. said random? ICE, no. I'd be a little. afraid of having nothing. Well, I mean. right now it's pretty bad having any of. them. Look at the world we're in right. now. Um, I'm pretty comfortable. Okay.

Well, I mean in general, obviously you. you get the headlines, right? The. headlines are crazy, but in general. Americans have the best life that has. ever been had in the entire history of. humanity. And Western Europeans as well. relatively. I mean, it's a bit of a. struggle in other places outside of. Germany and. Switzerland. and Nordic countries, but But it could. be so much better. Sure, it's what. everyone says and then they can't. actually give a proposal. that has actual provable results from. another place. >> Likely, but I think violence is the. answer and nobody wants that right now.

>> [singing]. >> Violence is the answer. So, what are we. going to do? What's what's This is not a. domestic dispute case. I promise we do. not He does not hit women or anything. >> the corrupt politicians from their. mansions, drag them to the road, shoot. them in the back of the head. >> How do you determine who's corrupt? You. can look at that. No, it's hard because paper trails I've. gotten to know people behind the scenes. from the creators through some famous. people, even a couple politicians and. whatnot. A lot of people are just people. and people subscribe so much more to. them than it actually is. People are.

just people. Yeah, they're trying to. navigate what they're in, but. people think there's like these grand. conspiracies. It's just like. people are just kind of people, man. Half the world is in it, or half of. America is in this crazy echo chamber of. still thinking that Well, yeah. the. president's in the government is like. helping us, and it's not at all. I don't. know if the government helped me. No. Well, most people are. stupid, and they do. They do think that. I don't take from the government. When I.

was getting taxes, and I was like. supposed to be getting money from the. the government, shouldn't be. Cuz you. don't even pay your taxes. I'd be very. upset. >> Well, when I did, when I had a job that. was W-2, and I should have been getting money, I. didn't want it. I don't want the. government I don't want anything. Leave. me the W-2, isn't that just. you overpaid? >> Yes, the money he paid the money he. would be earning back. >> Okay, I don't want it. Don't I don't. want the government dealing with me. Well, it's money you paid. It's not the. government.

>> that. >> that money. I get that. >> Also, I would have just You're giving. yourself your own money. >> have just set my withholdings to zero. So, you didn't give them anything. That. means you didn't give them anything. You. wouldn't have given them anything. Oh. But, you were giving them automatic what. they thought you would owe, and that's. where they would give you some money. back. You're playing the system. And then you lost. Ah, well. You could. have played to win. I mean, they would. have [ __ ] you in the end, but. Hm. And how does that conflict with a. more authoritarian. left?

I Like, if you guys are actually going. to be together I know that I'm not. saying that, but I mean, just from the. pre-production phone calls, I mean, we. kind of just know where you guys stand. He's like hardcore libertarian, and we. have more authoritarian left. I'm I'm not particularly political, to. be honest. I don't really love politics. I don't. What about loving politics? Like, my. core beliefs are not very very stuck in. their ways. I'm very flexible with my. mindset. I'm always willing to hear.

people out. I know, but you were ranting. about ICE for like 3 hours to Lindsey. >> [laughter]. >> Okay, ICE is bad. ICE is bad. Cuz what. are you doing with taking a. five-year-old? >> here you go. Now you see you have some. passion. For five-year-olds getting. kidnapped a little bit. >> Okay, so you got some passion. So you. got it's not like you're completely. disconnected. No, I I I know what's going on. I form. my own opinion about it. I keep it to. myself. >> I'm just concerned cuz I just feel like. how much of a match are you guys? That's. just what I keep trying to come back to. I don't care what anyone's political. beliefs are unless you're like a.

hardcore extremist. You're kind of. extreme and you're. >> it, but yeah. Well, >> Well, the Hey, as soon as there's like a. coup, I'm out there. Civil war, I'm out there. >> Coup for what? Things always get worse. after coups. Things get more. authoritarian after coups. Coups are. usually military driven. It's like a military leader. You want. the head of the [ __ ] army? Uh the. citizens' coup, I should say, I guess. Remember, no Russian. Okay, so a revolution. >> Mhm.

Didn't that happen with January 6th and. we saw how that went? That was That was. staged. You think You think that. insurrection was fake? Well, not. entirely, but there was definitely like. CIA FBI agents. >> talking about? You sound crazy. >> I'm not. Okay. >> You think January 6th is fake? >> Not all of it, but it was definitely. boosted by the CIA to make it look like. a bigger thing than it was. What? Just telling you. What's actually it really sucks cuz I.

really do think that like. if you do want to make a change in the. world, you do need to go to where that. change is happening, which would have. been. whatever, the Capitol Hill or whatever, but now I can't say that because it. already happened and it would failed. miserably, so. that sucks. I don't I don't remotely know how to. feel about about that statement. >> Which thank goodness you came on a. finance show. Uh financial audit.

Because I don't think you guys know. either of you believe or think or care. about. And you're talking about. marriage? Go to the [ __ ] I think I've. done my job here. You guys are high. schoolers having fun. Kissing in the bathroom in between. class. That's what you guys are doing. That's it. You don't know anything about. each other. Anything beyond surface. level. Can we be honest here? I think I know him more than I do. >> I know you.

thing here. Everything. Everything that. about his actual beliefs and cares and. desires. >> She just nods and says, "Yeah, baby.". when I say that kind of stuff. So. And. you want to do that your the rest of. your life? Forever? When when someone. just says something so crazy and. outlandish, you just kind of have. without knowing the. >> with crazy? And he probably thinks you're crazy, too. >> Crazy loves crazy. I think it fits. Uh. yeah, until politics get involved cuz. people blow up with politics. We just. don't really get political like that.

>> in. I haven't seen. >> are evil for politics. Like no matter. what. That's true. I'm honestly kind of. with him on that point. Like it's all. just bad. Like I don't. >> Extremism is bad, but even still. >> Politics is bad. Huh? It's all just bad. Like. I agree that like the three letter. agencies are great. >> I don't think the government really is. out to help the common man. I think it's. out to help billionaires get richer. Like I I agree with that statement. >> the most progressive income tax system. in the entire Western world to be clear.

Federal. Okay. Why is it not helping me? Why? Like why. is the system not helped anybody I know? >> System go get a better job. That's your. choice to get the education you wanted. What What did you get? What was your. degree? I got an associate's in. marketing. And that's the system's fault. that you decided to get an associate's. in marketing? That's an interesting choice. You have a. little bit of agency. I'll agree there's. some. interesting things that like segregation. and stuff not good. Government system.

bad not good. You you're in a position. where you can pretty much do anything. and everything. You have agency. I don't want to hear. the system doesn't help you. Yes, in our. capitalism where our stock market is the. best in the world people get very. wealthy with their unrealized gains. That is true in the ownership of. companies that they start or invest in. That is very true. But also the median. American has more disposable income than. any other Western country. That means. after all the necessary expenses. essentially health care all that good. stuff. Okay. Disposable income you got. it all.

The system didn't prevent you from. getting a bachelor degree. The system. didn't tell you you have to go work in. card games. System help you? What do you mean? You. don't contribute. You don't contribute. If if we're just being honest system if. we're just being honest you do not. contribute to the tax. >> I pay my taxes. >> No, that's what I was saying. You don't. contribute to the tax system in this. country. No. You're part of the lower. 50% which is not a bad thing and it's. not a shameful thing but the lower 50%. that contribute less than 1% of all net.

federal income taxes in the country. 50%. contribute less than one. We have the. most progressive income tax system. How. do all the European countries pay for. all that good stuff? That taxes sales. taxes national sales taxes. That's a. flat tax that hurts people like you. Okay. That's how they pay for the good. stuff. Federal income tax we have one of. the most we have the most progressive. Western income tax. Okay? So system not helping you. We barely ask. for you to do anything. You pay such a minuscule percentage and.

what degree you decided to get was on. you. You're going to make me sound like. the most right winger in the world. talking about this but you're just so. beyond victim mindseted in this. When I. heard the system why didn't the system. help me? >> I'm not blaming the. >> backwards thoughts. You just asked why. wasn't the system helping me? >> me specifically. Why are they not. helping anybody? What do you mean not. helping anyone? 50% of our literal. federal. expenditures in this country go to. social social programs. 50%. Okay, let's. say. >> 50% not helping anyone. 50%.

So, I. >> And we spend more than we take in. >> divorced parents growing up, correct? That meant one parent had to pay child. support. Let me fact check that real. quick. That meant one parent had to pay child. support, correct? How can that parent get away with not. paying child support per government. orders? Uh-huh. And they just get away. with that. Well, usually they get. arrested for that. Was he working? No. Well, there we go. If he didn't have a. job, he can't pay child support. He was. avoiding. They wouldn't They would. pursue if you go to the court, the court.

pursues these people like crazy. Absolutely, and they would get locked. up, 100%. And that should be the. consequences of their actions. I agree. What do you mean? People get put in. We've had people on this show where. their. divorced a partner or whatever or baby. daddy is in jail for not paying child. support. They're on the run. You can't. just say that doesn't happen. I don't think anyone's going to argue. that it's perfect, but I cannot let this. conversation, before we get into the. finances, come from the place of. self-victimhood cuz we'll never get. anywhere. You have agency. You have the. ability to do things. There are some.

things that are [ __ ]. Absolutely, but the things you brought. up so far are not. You're barely asked. to contribute to the pile. You get more. than you give in this country. By far in terms of infrastructure and. programs and whatnot, by far. And grass. is always greener. Things look better. everywhere else. But not even true. The. top income earners in the UK basically. make pennies on the dollar compared to. here. It's. even though they get free health care. I. know. Grass is always greener.

So, before you say, "Why doesn't our. system help me?". You've You've been given every. opportunity. But it's not perfect. It's. not perfect, but no one's going to hold. your hand nor are you entitled to that. I'm sorry. They didn't even pay me unemployment. when I filed for unemployment. Like they. literally denied my unemployment. >> have qualified cuz it is not difficult. to get on unemployment. They denied it. several times. Okay, were you fired? Yeah. For cause? Yeah. Not for cause, but my my.

>> [laughter]. >> The owner of the business did not. dispute my unemployment. Therefore, he. should have been paying it out via the. company, but they would not take the. fact that I was fired. >> look into them more. We totally can cuz. it was a truth. >> It is not complicated. I'll tell you. that. It is not complicated. We don't. give the highest amount in the world in. Texas, but it's not complicated to get. on it. >> but they gave me zero. Guys, what do we. think our household was? I guess are we even going to be a. household ever? I don't know, but our. household financial score is.

zero to 10. Zero being the absolute. worst, 10 being the absolute best. Six. Four. You think it's pretty good? Pretty solid. >> Over than half. I don't know. Maybe. I. don't know. Over than half. Caleb, Caleb, bills. Huh? >> my bills. Do you? Cuz every time anyone. has ever said that in the history of. this world, there are late fees. Hopefully, you will be the first to. break the trend. >> late fees. Yeah. Why do you say that? Cuz my account has. been hacked and then I got tired of. trying to figure out which accounts had. to go to what and then all my uh.

auto pays got taken off and it was just. You both have nice eyes. Well, thank you. If you want to hear my financial score, go to Caleb Hammer. Oh, you interrupted. my my segue. My little segue. [clears throat]. Make cute babies. You're not trying to. have babies. >> I'm not. >> Why would you say that? We both have. nice eyes. That's what you say. You make. cute babies. >> Okay. Continue with your segue. Calebhammer.com, get your score. It is. free. Just takes a few minutes. And make. sure to download the new and improved.

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cookbook and my personalized meal plan. for you, signed by me and mailed. directly to you. After March, the. cookbooks going away forever. So, that's if you sign up for the annual. version. So, check it out. dollarwise.com. Link in the description. below. If budgeting apps make you feel. like this is for you. [music] Most. people who struggle with budgeting. aren't irresponsible. They care about. their money, but they get overwhelmed. every time they look at it. They. download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment.

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or click that link in the description. below. Type in code Caleb. Well, I want to learn how you guys. disagree about money, but I guess we'll. probably get that as we go through. What am I looking at? Creditor accounts. >> consolidation. You consolidated it. So, has this your. your finances gotten better by he takes. care of all the bills and then you. consolidated your debt? >> to meeting him. This was way prior to. meeting him. I've been consolidating. those cards for over a year now. Do you. think it's not crazy that you're having.

to consolidate debt at 22? I do find it a little bit absurd, but. it's the actions it's the consequences. of my own actions, you know. I. definitely I definitely did do that at. one point and now I just got to deal. with it, you know. Okay. How do you feel. about this? You're taking care of. everything while she's finally taking. care of her own [ __ ] only because of you. while your [ __ ] gets your savings go. down. You're not caring. You're passive. You're [ __ ] What's happening? Man, I. don't know. I don't know if that's I. guess so.

Really, you don't care. Your savings has. been drained since she leached on. It's more so. >> care of her [ __ ]. >> so I do love her and I do think that. we're going. to live together forever. Um she her. >> though. her money and jobs have gotten. better. Um. I. I don't want to say like. I was the reason, but I was a very good.

uh. I kind of was the beginning of making. her quit that shitty job with her shitty. boss. What? I thought you got fired. I. did, but it was kind of a causation. thing. Okay. Okay. Yes, sure. I get it, but how much. did you have in savings? Uh at one point I had like 10k in there. >> Okay, so she drained 10 and you're. paying for all the bills while she's. taking care of her own things because. you're here saving the day. This doesn't bother you? >> it bothers me a little bit. Here I am on.

this show and we're talking about it. So. >> Well, what are your thoughts? Tell me. Let it out, man. You don't let things. out. Let Let it out. What What are you. actually feeling thinking about this? Cuz you guys need to [ __ ] communicate. about this or else this shit's going to. be horrible for the rest of your life. >> want my savings to come back up a little. bit so that I can buy fun little. frivolous things again. Well, I'd hope it's for an emergency. fund or retirement, but okay. That's a. start. Let's get savings up. I do agree. Why was savings drained? Um rent.

definitely and then bills have. increased. >> of all of it. Because. You see that? He's draining rent because. rent was going because rent was there to. his grandmother and you didn't chip in. at all. Even 25%. YOU MADE ENOUGH TO. CHIP. >> what the problem is? Can you blame me? >> passively aggressive say it all the. time. And that's supposed to tell me exactly. what I need to know? And sometimes. sometimes she'll be like, "Do I need to. give you money?" I'll be like, "No, babe. It's okay." And then I offer and.

you tell me no. I'm sorry, what story. are we portraying here? The one where you're just supposed to. know that you should chip in a little. But when I offer, I'm told no. That's. not true. You've given me like three or. $400 a few times. I have. Right? >> What's What's your point here? So do you. want me to contribute? Yes or no? Yes. How much do you want me to contribute? Guess. How much gets you back to your. savings to whatever? >> to have half of the rent paid. I can pay. all the bills.

>> Well, what is the mortgage? I don't know. any of this. What's. >> 1,500. You know the You know the rent. 1,500. >> No, I don't. Oh, yes, you do. No, I. don't. >> Okay. All right. I I guess not. My bad. Yeah, rent's 1,500. >> know how much electricity is. I don't. know how much water is. I don't know how. how much any of it is. You've never told. me. >> They used to be about 100 each or so. Now, they're about 200 each. Okay. Do you want me to start contributing to. those as well? >> All right. And. >> No, if you could just give me $750 a. month, that would like. help.

Okay. You guys have never talked. How do. you know what the [ __ ] rent is, dude? >> Never told me. >> What the [ __ ] Never asked. >> But he's been trying. Okay, well, who's required to move. first? It would be nice of you to ask. But if you need help, you need to not be. passive-aggressive. You need to say, "I. need help." Yeah. You're pussified and you're selfish. >> Yeah. Like, why would you not offer? Or ask? >> She even what the rent is. I did ask. >> what's the rent? I'm curious, you know? And we I'm I just moved in. What's the.

rent?". Like, if I'm moving in, I would be. curious to ask what the rent is. I mean, I looked the house up on Zillow, so. obviously I knew how much. it was there, but I didn't know how much. it was in actuality. I didn't know if. his grandma was taking any of that. I. didn't know. How How quickly did you. guys move in? 2 months. Is that maybe the issue here? Are you guys just speed running this. thing? I mean, she's already ready to. get I don't like that. >> ready to get married right now. Just in.

the future. In my mind, it was a better. financial decision because she was. living in an apartment that was. expensive and they kept doing all sorts. of [ __ ] extra. uh fees and whatnot. So, in my mind, it. was like, "Hey, I don't have to drive to. her house every other day going after. work to hang out with her. We can just. go home to the same house. She can help. me pay rent. Now we don't have two. >> How can we pay rent? >> Well, Why Why did Why didn't you. advocate for that then at that moment if. that's what was in your head?

>> time I was making the most I've ever. made, so I wanted to be that guy that. was like, "You're fine, babe. Just hang. on to it, you know?". But I guess I didn't realize that it was. going to be forever. I didn't realize it was not going to be. forever. So consolidating all your debt before. changing any behavior cuz you're not. encouraged to because he's taking care. of all the bills. You don't need to know. how to budget to save your life. Is this. really a smart play? I don't know. It's. $7,444.60.

with 167 hours a month. Is this even the right play at this. time? You immediately got into a situation. where another guy take where a guy takes. care of our bills. Oh, how long were you. single in between between him touching. your nebs with that other guy and It was. a couple of months. Ooh. It feels weird. Feels weird. Couple months of single and. then moving in after a couple months. feels. odd. >> Well, also. >> Especially when all the bills are taken.

care of and you're never once asked to. step up. Another thing when we moved in. together is we both have a lot of. animals and taking care of those. animals, like making sure we always made. time for those animals became really. difficult when we were spending time. with each other. So we wanted to combine. our animals and make sure they were just. all in one place where we could take. care of all of them at one time. >> cats and four bunnies. That's five cats. and four bunnies. Okay. Yippee, I guess. Um. sure. I mean, I guess we can find. good excuses to move in quick. Decent.

excuse. Listen, your entire thing isn't just. hanging out with him though and taking. money from him and draining him and him. taking care of all the bills so that you. can pay this off. It's not just that. You've been bailed out from your. structured settlement that you brought. up earlier and borrowing inheritance. money from your mom. You've never. actually taken care of anything. You. haven't changed any behavior. You're. taking shortcuts all along the way from. him, from his savings, from his rent, his roof. To the What is the structure settlement? I was in a car crash when I was about 6.

months old and I flew forward in my car. seat. >> old? Yeah. I flew forward in my car seat and I. cracked the entire back of my skull. open. Um and basically we weren't at fault, so. we should. >> win? Yeah, I I definitely wasn't. So, now I get settlement money. I get. a couple or. a good chunk. uh every like third birthday or so since. I turned 18. What's a good chunk every. third birthday and how long does it.

last? Uh the last one I believe is when. I'm 32 or something like that. >> much do you get? The very last payment's. 32,000. Everyone before that is an. increment of. >> have you have nothing to show for this. So, you get 10,000 bucks a year. essentially. Not a year. I know, but you. could spread it out. I I can't. I can't. touch that money. It's not physically. available to me. I only get. >> you doing against it? You're borrowing. against it? I just get it on my. birthday. It gets deposited into my bank. account on the birthday. >> get it. So, basically you get $30,000. every 3 years. No. Huh? It was 5,000.

when I turned 18. Okay. 10,000 when I. turned 21. >> So, it's ramping. Yes. And then it's. going to be 15,000 is the next one, 20,000 after that, 25, and then the 32. And 32 is the last. Yes. Okay, but. you're literally getting just free money. Yes. for years so far. >> to be. I know. Well, supposed to be. And. you have nothing to show for it other. than building up a lot of debt and then. consolidating it and then borrowing from.

your parents. Yeah, just about. >> And this is what you want to elect. yourself to. Libertarian, the guy who. has. >> That's why we're on this show. Self-responsibility for everything. Yeah, but I can't change someone's. Oh, maybe a little, but not like their. like their worldview. You're playing. >> you should know that more than anyone. Yeah. Your worldview is insane. So, I. know. So, Um I just think that uh. we're all human, so we all have flaws. And if this is a flaw, then.

>> Well, finance is kind of run everything. Yeah, I know. That's why I hate this. world. Money sucks. Yeah, but we do need. a method of exchange. We kind of. struggled with that as civilization. throughout the history of forever. Dude, if I could just go pick up some shiny. rocks and we could trade those. It'd be. a better place. It'd be a better place. It'd be a better place. I think it'd be. a better place again. Okay, yeah. Let's. go back to that. Why don't we go back to. drawing pictures on stone walls as well. to tell stories? That was cool. They used to do that by. the fireplace. They'd do uh two. different kind of images and then they.

let the the fire crackle. >> be at the end of your life expectancy by. now. What? People didn't live long when the. world was like that. >> Well, I I think I'm happier now. Okay. Uh. okay. We got a lot of micro transactions. >> Either way, you're okay with this. You're okay with this? She has nothing. to show for that. What's about What. about the borrowing from her. inheritance? What does that look like? Um so far it's only been as needed, so I. had to pay the. >> As needed? What's as needed? He pays for. everything and you make.

I had to. I had to pay off the apartment that was. charging me money. I had to pay the. >> you money? Yes, apartments charge money. Weird. So, I. I had already planned on moving out. The. my lease was supposed to end December. 26th. >> she won't help you with your with rent. with both y'alls rent, but she couldn't. even pay her own rent. She won't even. pay her own rent. >> own rent. That was part of the issue. How much have you borrowed from your. inheritance? I want to say like 3,400. Yo, while. getting this settlement, while draining.

his savings. Do not. >> settlement money in 2 years. >> You are are getting more money than. anyone gets for free, for nothing. You're not as far as we know. So, like. like, you know, you're just getting free. money. Like, that's good. Do you understand. what I am starting to see here, though? >> If my patterns don't change, then what's. the. >> It's not just that, it's your entire. This is your identity. This is your This. is your life. This is how you live it. And you're dragging him into it. And.

he's too much of a [ __ ] to say anything. or do anything. Or a simp. I don't know. I'm not a simp. Not a [ __ ]. >> Not a [ __ ] Simp. Not a simp. You're a. simp and a little dude. I guess to her, I guess, yeah. Strictly to her. >> what I'm saying. What I didn't say. you're simping to me. Well, like, usually it's like just to women, I'd imagine. But yeah, I guess I guess I. I guess I am my girlfriend's simp. You're right. I hope you're not a simp. for other women. That's what I was. trying to say. >> That grip must be elite cuz you are. giving up everything right now. Am I?

[clears throat] Yes, you've given up. your savings. We'll see in the pattern. that she's. done her entire life and not caring. about it. >> I think also, cuz I've heard about her. credit card situation, and there was. multiple times where she was like, "It's. so much better now.". And I didn't really elabor- ask her to. elaborate, so I think I kind of thought. that meant like, "Oh, it's. pretty much all better now.". Maybe now, since she's not paying on her. credit card, she can help me with rent. Good luck. But then, that hasn't. happened still.

>> How much is in your in your inheritance? Cuz you just put that into a savings. That's not fair what you've done. >> We're going to call the mom in the post. show, so make sure to subscribe to. Hammer Elite for that. I don't know. I don't want to know. I. don't want to ask. That's not right. It's not my money. It's not my business. to know. Yeah, you're pulling from it. What the What is this moral masturbation. that you're doing right now? >> [laughter]. >> You You're pulling from it. Yeah, if my. mom wants to give it to me because we. have the the ability to, then yeah, I'll. take it. But I'm not going to take more.

than I can. How But you don't even know what you can. take. She would tell me otherwise. She. wouldn't just let me take a million. >> I'm going to ask and find out. Indigo, whose card is this? That's mine. Okay, well you are over the limit by $155.94. Yeah, attach yourself to this. Fees charged, interest charged, 4 years. to pay off with minimum monthly payments. only without any purchases. Can't purchase now. You're over the [ __ ] limit. Bro, what is going on here? Okay, you.

owe $1,155.94. What are you doing? What's up with the. Indigo card? That one. >> you been doing? Okay. Honestly, interest. kicked my. ass with that one. >> Well, no. If you make your minimum. payment and you do not purchase, your. interest will not put you above the. limit. It will not. It was just for that. this particular instance of that card. being over the limit, it was the. interest that put you over the. >> you're purchasing it doesn't because if. you. There you go because if you make your. minimum monthly payment, a credit card.

is not structured to go above the credit. limit. If you make your minimum monthly. payment, it barely moves the needle, but. it won't go above unless you purchase to. the max and then the interest hits. before you make a minimum payment, which. is what you did. And now it's only going. up because there's over the limit fees. and it's getting. and you're not doing anything even. though he's taking care of everything. You're not doing anything. No maturity. No sacrifice. No [ __ ] anything. You. want to get married? You want to drag. him into this? How's that fair?

At least you guys aren't having kids so. we don't have to worry about other. people's lives that didn't consent to. it. Amen to that. Naked. Really? Yeah, but aren't your. It's different when it's your own. >> them. Mhm. >> [clears throat]. >> Scare you? I don't I didn't get that. maternal instinct. I don't I don't care. at all about children. Like they're. cool. They're fine. I protect them. They're. Keep them safe. I don't need any That. sounds a little maternal. I don't I I. care about them otherwise. Well, that's. fine. You do I don't give a [ __ ] It's. at a 36% interest rate. You got to Why.

why why why are you why are you not. bringing this to below the limit? If. he's taking care of everything and you. have the money, why aren't you taking. this to below the limit? What. irresponsible behavior is this? We'll. take your money from your inheritance. What is this? This is a pathetic joke. You can take it above the below the. limit in a snap of the finger. Even with your previous income. What are you doing? What are you doing? Why are you acting. like a child? 22. Okay, so not a child for 4 years.

So, why are you acting like a child? I. don't I don't know any better about. finances. I don't know any better. >> 22. You have access to more resources. than anyone else in the history of. humanity. >> my rocket money to help me. >> There you go. There's more resources. Again, I'd use Dollar Wise, but. regardless, it doesn't matter. You have. access to all the AI search engines. You. have access to all the search engines. You have access to YouTube. You have. access to any book, a library or not. You have access to Huh? library.

l i b e r r y That's how I say it. Some. people like 50% of people in Michigan. say it like that. It's wrong. >> Okay. Huh? There's two r's. Girl, I'm. not going to listen to someone that has. that many holes in their ear. ears. Yeah, but the your left ear's extra. special. Oh, thank you. >> You have access to more resources than. any any any any any 22-year-old has ever. had. Did you hear? First report first. scientific study that has ever been. done, Gen Z is the first generation to.

get less intelligent than the previous. generation in the history of humanity. IQ scores are lower. It's likely the phone. But you can at least use that to your. advantage. The phone can give you any. learning opportunity. You are proving. the point. Well, I don't know anything. about finances. There's no one does. You. learn it. You learn it. And it is your choice, but. you're given more opportunity than. anyone. But you didn't have success today like. never before. Search engines, AI, you.

name it. Books, they keep stacking. You don't get that excuse anymore. You. really don't. Eighteen I'm not you know. hounding you at eighteen, but by the. time you're twenty-two, yeah, post. college, you should know something. You got an associate's degree. You have. skills. I'll let you use this Fizz card instead. of this card. It's a debit card that. builds credit. And when you want to make more money, many people in our audience have used. the Course Careers certification to. change up industries or boost their. resumes. Do that, that'll help you make. more money.

So I'll get you one of those for free. For you, whoever wants it can get it. Thank you. Stop this stuff, man. You have the. responsibility to take care of you and. the interest and fees that you are in. are your fault. Not that I don't know. anything about personal finances. You. know what happens when you learn you. don't know anything ABOUT PERSONAL. FINANCES? LEARN THEM. RIGHT? ISN'T THAT THE ANSWER? LISTEN. I will relatively almost excuse it if.

it's you don't even think about the fact. that you don't know anything about. personal finances, cuz then it's. ignorance. Ignorance is bliss, man. But. the fact that you don't know that that. that you know for a fact you don't know. anything about personal finances, that's. when you're just purposefully putting it. off. You are choosing to not learn anything. And that's inexcusable. You don't You. don't get to take the victim hood at. that point anymore. You don't. What do. you think I'm doing here? I don't know. Who dragged who? He seems to be the one. that wanted to be here. Cuz he's. concerned about you. Her first, he.

applied second. Yeah. That's why it's. separate. You guys are weird. >> cuz she said she did and then she didn't. get on. I was like, oh well, maybe I can. get on. I didn't think I would, but here. we are. Who has the Freedom card? Uh. it's mine. It's me. Did you have this in. a balance before you met her? No, I did. not have that. I got that 3 months ago. So 3 months ago it was already going up. to $347.33. It's ramping. I didn't even know he used. that card. >> Mr. I pay my bill just had a late fee. this month.

On the on the Yeah, it's cuz I forgot. about it. I forgot it's there. >> Oh, it's weird how that always works. No, I didn't. On time, he didn't. Yeah. So he. >> I saw it late. >> $40 got a 40? On the Chase app, the app. you use for your bank. >> Yeah. You didn't see it? >> you have to scroll down. I usually just. click at it to see what the account is. Yeah. And you just never. >> But also it was something like I wasn't. I was supposed to use like $300 of it or. something in the first month to. get a bonus or some [ __ ] and I I didn't.

I forgot about it. Uh yeah, it's still. your responsibility. Just set a. reminder, put it on autopay. I don't. know. Whatever you got to do, take care. of it. Put it in your budgeting app, Dollar wise. Yeah. >> You do it, man. Yeah. All right, I just. got to note. I will say this, you quit. vaping. Okay. Yeah. Nice. >> a W. >> Yeah. It really does. >> Thank you. >> That's actually really big. And that. shows an indication of behavior that you. can take control of your life, which is. important. Right. What? I did. I started smoking cigarettes. I am so excited for you guys to finally.

GET YOUR HANDS ON WHAT I'VE BEEN working. on for a year. The brand new Dollar wise. budgeting app. And listen, [clears throat] I get it. The first. iteration was a disaster. Many reasons. from working with an external agency to. [ __ ] infrastructure that I could use, but. let's be honest, that was on me. So I. put my money where my mouth is. And. after investing millions of dollars and. hiring dozens of people, we've. completely rebuilt Dollar wise and it is. truly incredible. And to celebrate, I am. giving you some insane deals to sign up.

for the first time or trying it again. after you used the shitty version last. year. But these deals only last through. March 31st and then they're gone. forever. Download now, take your free. trial to test it out, and get the. monthly plan at a 33% discount for 3. months, or take the annual plan for an. insane 50% discount. And with the. annual, you get my budget-friendly. cookbook signed by me and my brand new. 30-day detailed budget meal plan signed. by me as well. Both of them mailed.

directly to you. But after March 31st, the cookbook is gone forever. So, this. is literally your last chance to get it. Don't miss this opportunity of a. lifetime. Download DollarWise and start. your free trial. Go to dollarwise.com or. click THOSE LINKS BELOW. >> [applause and cheering]. >> GOOD MORNING. I'VE BEEN looking forward to this for. the last year and a half. Once in a blue.

moon, a game-changing paradigm shift. takes the industry by storm. Financial. Audit has changed YouTube forever, and. DollarWise is about to alter the future. of personal finances we know it. Ladies. and gentlemen, it is my pleasure to. introduce the next big thing in. budgeting. What are we doing here? Guys, what are. we doing here? What are we doing here? What is. What are WE DOING? CALEB, CALEB.

CAN YOU SHOW THEM THE NEW DollarWise. logo? Introducing DollarWise. reimagined. >> [cheering]. >> DollarWise, rewrite your money story. >> [cheering].

>> The old DollarWise is dead. >> For the first time. >> Why why type that to me? Why. That's objectively worse. Uh. >> Wait, what? Is it. Okay, I'm only smoking like a one pack a. week. It doesn't matter, dude. That [ __ ]. destroys your lungs. Why go from vaping. to that? I know the nicotine is lower,

but like because I was. >> That's like it's still worse. >> on an e-cig for 18 hours a day, like. straight, like every 15 minutes. Yeah. >> like not either? I'm addicted. >> Yeah, I'd rather use Zen, though. Zen's. bad for your gums. >> yeah. Okay, he's destroyed his lungs, though. That's worse. There is almost. nothing worse to your body that you. could do that's like smoking cigarettes. >> Okay, well, I'm doing it to to wean off. completely cuz. >> Oh, but okay, that's what most people do. when they pick up cigarettes. Uh it's working for me.

>> I vape. >> Of course you do. What is wrong with. you? Bro, you picked up cigs. Nasty. You make. out with that? I do. She started it, actually. >> kiss him for a while after he smokes. cigarettes, though, to be. >> You what? I don't kiss him for a while. after he smokes cigarettes. He stinks. >> Yeah, it's nasty as [ __ ] You want to. smell like that? You want to be that. guy? No. But I'm also angry when I don't have. nicotine withdrawal or when I do have. nicotine withdrawals. >> patch. Like I don't Wayne Wayne in any.

way other than cigarette, man. Okay. Do the oral oral fixation thing. There's like those those things that. it's just like no nicotine, you know? >> Yeah, I have nicotine-free vapes cuz. I've been I've been on a journey to. quit, too. So, we've been testing. different things, patches, gum. >> kind of weed, apparently. Oh, yeah. Oh, and you pay for it all. That's great. Dude, do you pay for anything? What the. [ __ ] is wrong with you? >> I pay for groceries. I pay for our. insurance. >> Groceries? Dude, your grocery spending? Your grocery spending?

It was so small. It was so small that it doesn't even. have a number next to it because we. couldn't fit it in the pie chart. It was. 1.3% of the spending. I don't know the. dollar amount cuz it was that tiny. I pay for the groceries. Let me look at the spreadsheet. I'll see. it there. $87. It's Amazon Fresh is what I use for. groceries, so it might just be put under. an Amazon category, but Why pay extra? I. don't get it. What? Why pay extra? I don't get it. Pay. extra for what? Yes, Amazon Fresh. You.

have to subscribe to Amazon Fresh or. else you pay fees. It's just a regular. Prime subscription. And Prime, but you. have to subscribe to Amazon Fresh or. else there's extra fees. >> No. No. What? It's just a Prime. subscription and they deliver to your. door for free. >> I don't know, but It's. Amazon Fresh has been the most cost. effective way to get groceries. >> with curbside pickup, still it is a fee. added to a item that is hidden. You. might still be paying more per item and. you don't even know it. It's less. I've. compared it to actual inside grocery. stores. It is less.

>> I hope so. How much do we smoke weed, guys? It's [ __ ] nice out. Who's. trying to chill, smoke some loud, feel. me? Every day, at least twice a day. What's. wrong with you guys? In what form? Bong rips. Can we say that on YouTube? Bong rips. >> or not. We censor it. I don't know. Ripping that bong. Just. >> Okay. Fully dominant. >> Like a shot. >> Getting parts owned off the stinky. blinky skunk skunk. [ __ ] 12. >> Well, it's better than a blunt or. something when it comes to your lungs. I. want to get sponsored by Backwoods. Cigars, man. Everybody saying and.

tagging Backwoods. >> But we are finding like listen, I was more pro weed for a long time. until a lot of research these last. couple years have come out. There's not. There's well, find one. There's no. positive impacts. But okay, that doesn't. You don't need positive impacts for. something to be okay to do. But we're. starting to see a lot more negative. impacts. More negative impacts. Not like a. you know, heroin or meth addiction, but. people's lives like when they stop. smoking weed, they do not find the joy. in the things they do as much anymore. Like there's actual negative things that. are happening. Brain development,

especially I mean there is a a part of. you're not a child to be very clear. I. need to make that clear. But as your. brain is still finishing up the last. like 1% you can put that. You really. can. I don't know if it'll make or break your. life. But it is important. Also sedates. It's just like a lot of. good [ __ ] that's not coming out about. it. Even like the wine, one glass of. wine. Now all we we know that the all. the negative still dramatically outdo. any positives that come with it. It's.

just like why? Why do this and twice a. day? You guys are kind of. like But we don't drink. You're closer. to the addicted side though. I could. definitely stop smoking weed. It's not. that hard. >> says until they do. No, weed's easy to. quit. I mean compared to nicotine like. having the withdrawals of nicotine. >> Nicotine's actually one of the worst. It's one of the hardest. >> That's what I'm saying. Weed is just so. easy. Like it it's very easy to just. make your mind up and go I'm not going. to smoke like. >> I hope so. And it takes more effort to. smoke than it does to smoke cigarettes. >> for you. I don't think I'm going to give.

up smoking weed. I really don't. >> Also not good for your budget. How much. are you spending? We used to get it for. free. Used to. You don't. Used to means. not anymore. We didn't get it for free. Um What do you mean you didn't get it. for free? What. Why? What was the What. Yeah. Okay. So one of my friends needed. a thousand dollars to cover court fees. to see his kid or something like that. So he gave him a thousand dollars. He's. going to pay me back over time. And he. was also selling weed. So I was like hey. bro, just give me a hundred bucks of.

weed every week instead and then that'll. like. >> You understand based on how she's lived. her life she thinks everything's free? It's starting to make sense now. How. much are you paying now per month or. week? On weed? Yeah. >> it's like a hundred bucks every other. week maybe not even. Even still that. could cover insurance and whatnot. I pay. for her insurance. Car insurance? Health insurance. Health vision dental if [clears throat]. you don't get it at a job? No, he. doesn't get any. Do you get yours at your job? Mhm. Well, then you don't pay for it. >> it. It's extra. If I was just in by. myself.

>> but your company likely still covers 50, 60, 70, 80% of it. >> $300 a month for our insurance. >> If you're paying $300, that means your. company's probably paying like a. thousand. I mean, still. >> are you guys paying in your health. insurance premiums? A monthly basis? A few hundred bucks. probably. Yeah, something like that. And yet, they. still do that and we're covering I think. it's 80 or 90% of it. Trust me, you're. not paying for it. But I understand what you mean. Sorry, I. don't mean to just harp on you.

>> [sighs]. >> I understand what you're saying, but. it's You're not paying in the private. marketplace. >> It's still 300 bucks out of her paycheck. every Yeah, it's still 300. >> is very for two people, that is actually. not bad. And it's It's full coverage. It's for everybody. >> Exactly, that is not bad for two people. Oh my gosh, okay. I'm going to move on. I just don't think you've ever. had any experience in the real world, I'll be honest. AECU. I think it's my car. My Mustang. >> It's your car? At a 14%? You're a.

Mustang driver? What the. Yeah, yeah, yeah. >> Why? Why? It's American, V8. Um Now you care about America, but you. hate the government? American built, yeah. You got to have some sort of. respect for your country you live in. Um no, my mom had a Mustang growing up. when I was a little kid. My uh grandpa. worked at a Ford dealership, so I was. always getting Hot Wheels and posters. >> Well, it's a 14%. and it's $8,887,

well, it's worth five. You know, almost 9,000, well, it's worth. five. Uh. Okay, at 14%. is not good, dude. This minimum monthly. payment is also juicy at $584.01. as well. >> Mhm. But only 36 months. That's why I. thought it was What you have another car. that you bought last year and a. motorcycle? What the [ __ ] is happening. here? Uh Why do you need all this? Um. well, it ideally it was to not drive the. Mustang as much. Get rid of the Mustang.

Get a better one when you can afford it. >> want to. >> Pay off all your debt. I want that. Mustang for the rest of my life. >> That What is it? It's just a 2011. convertible. It's blue. It's awesome. It's all right. It's a car. It honestly. it's broken more times in our. relationship than my car ever has. But. not as broken as your relationship. Damn. >> broken once. Twice. Wait, this is delinquent. What?

Oh. What does that mean? >> This is delinquent. I don't know what that means. You're not paying it. Or you're behind enough for it to be in. delinquency. Oh, I think I've always had. it paid. I think this last one I had to. pay was it had a uh an overdraft or. something because or not enough. >> have enough money in your checking. account. >> It's not that. It was um it was auto. pay, but my account my actual bank. account, not just my card got hacked. So. then I had to get an entirely new. checking account. And then. >> Delinquent Would delinquent only be one.

late fee? One late? I don't know. I I can't see your payment. history on here, unfortunately. Um You have Credit Karma on your phone? Credit Karma? I don't know. [ __ ] No, he does not. I'll tell you right now. >> There we go. Whose Capital One Savor? Mine. Uh back to Megan. $568.69. >> [snorts]. >> Eight uh.

uh sorry. And you have a minimum monthly payment. of 18. That's not even that crazy. Why. the [ __ ] aren't you just paying this? I. don't get it. Still it takes 3 years. >> This This one's part of the. consolidation. Okay. Okay. >> That's part of it. Okay. Oh, well, yeah. I mean, it was brought. down to 1.9, so it's paying it through. that. I understand. You could just paid. off so much quicker. At a 1.9% rate, I. might not though. Okay, whose Cash App. am I looking at? Mine.

Okay, money from people. 20, 15, 15, 54. Just getting random money. >> Buys food. Yeah, back and forth. Chase, who has eight bucks and 10 cents. What is wrong with you? I don't have. eight bucks and 10 cents. >> He takes care of everything. No, it doesn't matter. You did it this. point, and that's all that matters. This. This was literally a couple weeks ago. So, your statement ended a couple weeks. ago. Like, yes, it's always going to go. up and down, but the fact that you let. it while he takes care of all the bills. down to $8.10 is [ __ ] madness. That.

is actually madness. Amazon grocery subscription. I told you. I told you See? That's why it's free to. you, cuz you pay a subscription. SHE. DIDN'T EVEN. I TOLD YOU YOU HAVE TO HAVE A. SUBSCRIPTION. I thought it was part OF AMAZON PRIME. [screaming]. WHAT IS WRONG WITH YOU? $340 OF FEES? Last month? Wait.

Oh, [ __ ] Apple bill, PRIME VIDEO, DUTCH. BROS. WHERE ARE WE GETTING FEES? GOING TO INDIA'S A [ __ ] SELLING OUT. FIVE BUCKS UPTOWN JUICE KING, TACO. CABANA. Where are WE GETTING FEES? [ __ ] APPLE BILL, CHICK-FIL-A GOING. TO SUBWAY GETTING SOME [ __ ] Burger. King, overdraft, Steam games. Where are. we overdraft? Then overdraft. THEN. OVERDRAFT. [ __ ] [ __ ] AMAZON, BANK OF AMERICA, AMAZON, ZENITH, Mike's. Bakery.

Stripe sites? Str- Streamlabs. >> Streamlabs. Oh, for [ __ ]. sake. And what are you making off. Twitch? I don't. Uh-huh. How many. followers do you have? Around 100. I'm not affiliate yet. I haven't done. the full process to be affiliate. >> Getting affiliate is the easiest thing. in the world. You stream like 5 days. I. I don't have to I didn't have time to. stream 5 days. >> time? I didn't. >> Of [ __ ] two jobs. I didn't. >> I don't want to get in that. No, you can.

defend me. I'm working two jobs. I did. not have time to stream. >> sound like it. I would get home I would. be gone from 7:00 in the morning to. 11:00 p.m. How many days A WEEK? THREE. >> [laughter]. [laughter]. >> THERE'S SEVEN IN A WEEK. YOU WANT ME TO. STREAM FIVE DAYS A WEEK? YES, WELCOME TO. streaming and content creation. Is that. WHAT YOU WANT TO DO OR NOT? OH, YOU ARE. A CHILD. >> transitioning into it. That's what I.

wanted to do. >> Transitioning into it? What the [ __ ]. YOU DO. OH MY GOD, DON'T STREAM. DON'T STREAM. WHY? You don't want to see my beautiful. face anymore? It's an okay face. I mean, unfortunately, you cover it in facial. reconstruction like piercings, but it's. like. Facial reconstruction? That's crazy. >> Altering, altering, altering, altering, altering, not reconstruction. It's like [laughter]. You work three long days.

That's what nurses do like eight days a. week. And they get paid way better than. I do. >> Yes, maybe you should have got a better. degree. Welcome to the system. Didn't do. it to you, you did it to yourself. [ __ ]. you. You overdraft to yourself again so. you can get a Steam game. Dumbass. Mike's bakery. Overdraft for your. Streamlabs. For you, and you can't even stream five. DAYS A WEEK. >> [laughter]. >> YOU OVERDRAFTED AGAIN. >> FOR overlays on stream. Oh. >> [laughter]. >> You're.

overdrafted for That's madness. >> [laughter]. >> child. overdrawn overdrawn overdrawn overdrawn. What the [ __ ] is this? Leave. Leave. Leave. Run. Leave. >> [screaming]. >> A thousand dollars in overdraws. OH. >> [laughter]. >> PULL UP YOUR AMAZON. What does overdrawn mean exactly? She.

didn't have enough money yet. She still. purchased Streamlabs and Steam games. >> [laughter]. >> And it's all groceries. I'm not kidding. It's just groceries. >> see. Oh, let's see. Givey givey givey. givey givey. I'm also going to look through your. guys' text messages. in the post show as well. >> That'll be pretty gay. That's what I want to see. Okay, yeah. Ben and Jerry's critical groceries is in. the shopping cart. Groceries, chargers, poop cat litter. >> free scoop free disposable crystals. Oh,

I used to get those, yeah. Um lots of. disposable Yeah, but these aren't like. necessary groceries, man. cat food bunny. food. >> iPad groceries for the household is. Orville popcorn, the three rolls fly. strips for the home, Xbox wireless. controllers. >> That was his birthday present. You already got it? Yeah. Oh, okay. >> [laughter]. >> Um okay, fine fine. A pasta sauce I'll. I'll allow that one. A a candle warmer,

car charger. I don't give a [ __ ] You're. still purchasing a Pepsi. This isn't. necessary to survive. I once I'll get. you I'll get you a meal plan, okay? I'll. get you a meal plan. You can also get. the grocery list in our debt class that. comes with the master your money. program, which you guys get for free. But what the [ __ ] is this? This is a. joke. So I'll just see Oh, what the So. what did you do to your phone? It's all pink. What are you doing in my settings? What? You know, sniffing around. You pay for Dropout. You actually pay.

for Dropout. >> I love Dropout. >> not as good as Hammerly, but I. appreciate it. They're they're good. Not. as good. And iCloud post, yeah, that's. fine. Crunchyroll, don't need that to. survive right now. So, does that mean this is your checking. account with 2,000? Yeah. Leave. [clears throat]. Amazon, Apple bill, McDonald's. Well, it's still a significant amount of. [ __ ]. >> Oh, yeah. When you have freedom. and a bad car, which you should pay off. with freedom. I just wipe out. Why are. you bringing money up on there if you're. spending your checking account that you.

can't afford? Doesn't make any sense. And also, just pay your taxes, buddy. Why get arrested? It doesn't make any. sense. No, none of us like taxes. But, I mean, I'm sorry. You're not in an. aggressive. tax percentage anyway. Oh, good. It still sucks, but just pay. It's the principle. Principle? It. doesn't What's the principle though? I. mean, you do You drive on the roads. You. get the stop lights. >> money from me for taxes, they can go to. the church. There's billions right there. that there's untapped. Okay, but the.

thing is you still reap the rewards of. living in our society. I was forced to. >> get social security. You in any society, even in. I don't know, Uganda? Not the You, Uganda. I'm sorry, but you'll still get. like taxes and. roads, sometimes. Like at the Welcome to existing. I'm. sorry. We We didn't consent to it. It. still exists. Uber Eats, PayPal, PayPal, Uber, Uber, smoking peas, smoking peas, Apple bill.

Mets and Mafia. The reason I'm not. freaking out as much about this and it. is still aggressively bad, to be clear. He's one, he's not overdrafting. He's. not taking money from other people and. taking from their inheritance and. you know, getting piles of money every 3. years. But, it's still stupid. You have. a horrible car. You're spending MONEY. YOU'RE RACKING UP MONEY on your credit. card and you've drained your savings. These purchases are stupid. Huh? >> What do you drive? Tesla. Oh. >> [snorts]. >> Your opinion doesn't matter then. More. American built than your car. [ __ ]. >> Isn't he an immigrant? South America. I.

mean South Africa. Huh? Isn't. >> is an American citizen, first of all, to. be clear. His grandparents were from the. United States, also to be clear. Don't. make me like I'm not trying to stroke a. dick of a man, but I will say it is. fully built in America with American. [ __ ] Even the car parts that they. assemble in America usually for like. Ford and whatnot are made overseas and. then brought here. I I know that. Well, at least I'm not in a microwave. What What is this? Technology progresses.

and you want to stay in 20th century. technology? Yeah. >> are we What are we doing? You want to be. in the cold box? Cold box is that are. getting getting in the refrigerator? I. want my car running on explosions. of dinosaur skin from 2,000 years ago. I don't want a car that can be turned. off remotely from 1,000 miles away by. one button. I don't like that. I will. admit to that part. Yeah, not the. biggest fan of that. Probably a conspiracy, but also probably. also possible. Um.

Also be generous. Yeah, you do. >> Apple cash, dollar point, Apple cash, PayPal, PayPal, PayPal, Best Buy. Freddy's, Door Dash, Ash Bash. This is. Dude. >> Yeah. >> doing Victory Ministries anyway. I don't know what that is. >> That's the banana bread you buy from the. homeless people sleeping. >> homeless, they're crack addicts. Recovering crack addicts. And their. banana bread is good. It's good. >> Oh, it sounds church related. counter. and it rotted away. You didn't even eat. it. >> If it's ministries, it's probably church. related. Ranting and raving over there. Yeah.

Apple bills, smoking peas. This is so. [ __ ] stupid, dude. You have a. horrible diet. You're building your. freedom card up. Why? Pay it off and. stop spending your [ __ ] and build up. your savings. Now it's kind of on you. The whole thing about. >> Dollar point, Uber Eats, Uber Eats. You've also had an overdraft this year. So [ __ ] off. You are being a dumb-ass, dude. I don't know. Okay, who has 6,000? Okay, so at least you have this, but you. got you're definitely dramatically. behind on retirement. You need to start. now, but you need to pay off your debt. first. Guys, I don't understand. I don't. know why you're together. Do I budget.

this household together? Probably not, cuz you're not going to be together like. financially. So, it's like what what am. I even doing? I don't know how to do. this. What do you want from me? Well, how do you think we feel? No, no, no. What do you want from me? How do you. want me to structure this? >> A budget to where I can see it. >> or As a household. Yeah. Yeah. Uh okay. Okay. $7,800. is your income.

I don't. know. Does budgeting this as a household. actually make sense for you guys? Do you use that? How you're going to do. it? Is Mr. Man going to. have that happen afterwards? Your minimum monthly debt payments are. $910.01. What's the rent? $1,500. We're struggling cuz of that with your. guys' income. It doesn't make any sense. Okay. Um utilities. All utilities including internet. combined.

>> um Just about. About 800. That's pretty intense, but okay. Car. insurance? Uh 250. Together? No, separate. >> Separate. 250 plus Uh 197. Gas drive drive together? I get gas once a week, and it's about. $22 to fill up. You? Mine's about. $40 a week. Okay, 248. Car insurance 447. Phone bill?

My mom pays for mine. Of course. I don't. pay mine either, actually. Get Helium when you do, cuz T-Mobile's. definitely good in that area. Uses those. towers for a much cheaper service. Necessary food should be able to do $600. for the house. TP fund, anything else. you guys need to survive. 250 should be. good. It is tampons, all the goodies, makeup, whatever you need. Medical health care, co-pays, how much? Uh I assume you're in an aggressive. amount of therapy. >> 75. Depending on which visit it is. >> Okay, well, are they frequent throughout. the month?

You're not in therapy? >> I go to the doctor once every 3 months. and that's $30 co-pay. >> Okay, I'll put you I'll just put 10. bucks. Is there a gym? No. I have a gym membership. >> How much? 20 bucks a month. What the You. have a gym membership? >> I've always had one. You go? Yeah. That's an emergency. I used to. >> went ever in the entire time we've been. together. >> Okay, subscriptions, I'll put 40 bucks. Pets, there's five cats. Are they on pet insurance? No, not yet. >> to be. They do. I'm going to mark it at about 250 bucks.

How much for pet food? Uh. >> A month and care. Oh, god. >> All the [ __ ] That would Litter, all. that good stuff. If I had to guess, Yeah, round it. Cat. food, I buy like one bag every week. So, that's 16.99. And it's probably like 30 bucks for the. bunnies' food. Well, they get they get. Just what do we think on a monthly basis. to take care of them? Probably like 150.

Okay, cool. Anything else that needs to be in your. budget? I put 40 bucks for. subscriptions, 250 for pets. Uh for pet insurance and then 150 for. pet food and litter and all that stuff. Anything else that needs to be in your. budget? Um. Is there like. any overhaul to be able to do like. accident emergency money? Like money set. aside for Well, yeah, I mean, you guys. should save up like a 1-month emergency. fund before you start paying off debt. Mhm. Or your highest deductible. Okay,

let's see. 5,225. This is only with. combined though, cuz it only works if. you do combined, honestly. That's where. we have a lot of money left over. Uh let's just round it to 2,500 left. over on a monthly basis with our debt. Listen, IRS we do not know you need to. take care of that. Get on a payment plan. immediately and pay your penalties and. interest. Do not go to jail. Like why? The principle is not worth jail. I just. don't understand. Jail's not fun. You. pay off debt in 7 months, guys. This. isn't bad. Pay off all that debt in 7. months, get a fully funded emergency. fund, which at that point will be.

about. the household 25,000, which takes. oh like 6 more months. So it's just like. guys, in a year and a half from you guys. that are 100% set. This makes no sense. You're being stupid. But you need to. figure out the IRS. You need to stop relying on other. people. You need to chip in here and you. guys need to budget together and. communicate. And more than anything, you. guys need to figure out if you're even. life partners. Not even life partners, but partners. Especially before you. combine finances cuz I feel like you. guys don't even know each other. This is. weird. It's surface level and it's. weird. Listen, in the post-show I'm.

going to go through their texts, see if. they have any fights in there, see if. anything juicy's in there. We're going. to call the mom, talk about the. inheritance. Um and maybe someone will get pierced. We'll see. So join Hammer Elite. Make. sure to download Dollar Wise and get. your Hammer Financial Score at. CalebHammer.com. Now click that join. button. Join us in the post-show in. Hammer Elite. See you there. [music]. What? But I'll also get the Hammer. Financial Score, won't I? Spending in the budget, you overspent 0. out of 10 that month. Debt, whole IRS, 0 out of 10. Emergency fund, did nothing in savings, 0 out of 10. Retirement, dramatically behind, especially both of you combined, 1 out.

of 10. Real estate, 0 out of 10 cuz. you're not on that title, right? Right. >> [music]. >> Okay. So Hammer Financial Score for this. household is 0.5 out of 10. Click that. join button, see you there. These are. texts between me and my friend during. the argument. >> said that if I gave him a. he'll forgive my debt and pay me for the. extra hours I work. Did he actually say. suck my dick for money? >> It was like an idea I was contemplating. with and he was just flat out like no, if you do that you have no self-respect. >> Should we call the mom? And may I ask. how much is in her inheritance? So I got. about.

dollars. and I've spent on her probably close to. so far. Next week is the final week. Don't forget to download the new Dollar. Wise budgeting app. This is officially. now the best budgeting app on the market. and I'm giving you a special deal to. download but only through March 31st. Take a free 3-day trial to test it out. and then you get the monthly plan at a. 33% discount for the first 3 months or. the annual plan at an insane 50%. discount. And with the annual you get my. budget-friendly cookbook and my brand. new 30-day detailed budget meal plan.

signed by me and mailed directly to you. After March 31st the cookbook is going. away forever so this is literally your. last chance. Don't miss the [music]. opportunity of a lifetime. Download. Dollar Wise and start your free trial. Go to dollarwise.com or click the link. below.