Financial Audit's Biggest Crashout

You're kind of crazy. You've just now. figured that out. Your debt went up. You. mean like on credit cards? That is a. debt. Are you okay? So like you're good. with numbers and can't read. Are you. pranking me? Are you stupid? Had I died. tomorrow, this wouldn't matter. You're. done. How what am I supposed to see? I. told you things you shouldn't be. spending on and you wouldn't listen to. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my.

cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment below. Hi, my name is Alexandra. I'm 30 years. old. I'm from El Paso, Texas. And this. is Financial Audit. Thanks for coming. over. So, what do you do there for a. living? I am in the military and I have. a side business. It's a lash business. What are you in the military? I'm in the. military. Lots of postmilitary. We don't. usually have a lot of inmillitary. What. do you do? I technically drive the.

dragon trucks. The dinosaur. trucks. That's my job. I don't know what. the you're talking about. Do I have to. serve to know that? I don't Okay. What. is your position or what branch? I'm a. driver. I'm a driver. So, I'm with the. Texas Army National Guard. Oh, is that. full-time? It's part-time. Oh, well, you. can be fulltime and part time. But. you're parttime. I'm parttime. But you. have a side gig? I do have a side. No. full gig. How part time is part time? Part-time is like 3 to four days a. month.

Okay, listen. That sounds like the side. gig. If it's 3 to four days a month, why. is there a side gig for the side gig? It's not a side gig. It's my job title. I'm just not on orders. Like I don't do. But it's not full time either. Exactly. So you have a side gig for a side gig. kind of. I mean, no, not really. Okay. Well, what do you get? What do you make. from the Texas National Guard? Um, like. $300. Okay. So, it's a side gig. Okay.

I'm just talking mathwise. Whatever the. title is. Come on. If we're being real, you're not living off of 30 $300 a. month. Okay. Obviously, Kayla, I'll. write down a sick $300 a month. Woo. We're making it. Okay. And what does. your side gig make? What is it? I make. 35 to 4,000 a month. There. That is. money. We'll call 4,000 hours a month total. Add them both together. What's your side. gig? It's his lash. It's his lash.

business. I do lashes. I do eyelash extensions. Yeah. Yeah. Yeah. Just looking at yours. Okay. My lashes are not done. Uh-huh. But I I wasn't going to say it. So, what do you do? I'm a licensed eyelash. technician. Okay. And I put on lashes on. women. Cool. How many hours a week do. you do that? Like 20 to 30 hours. It's. not bad. I mean, so are you getting paid. hourly? Do you get commission for.

different lash jobs? Set up to where I. make like $60 an hour, but average sets. take me like 90 minutes. So, when you. say you have it set up, what what are. you doing? Are you going into someone. else's place or are you just going to. people? Uh, no. I rent a suite and a. salon. Oh, yes. I'm a salon. Okay. I've. accidentally walked through places like. that. Yeah, that's weird. They It feels. like a mall. A mall for getting things. done to your face. Okay. And head.

Interesting. Well, $4,000 a month. El. Paso. Definitely on the uh not the. expensive central and eastern part of. Texas. So, how are we living? How we. doing? How you feeling? Great. My wife is rich. Wife. Okay. How. long have we been together? Um, wait. Your wife is rich? Yeah, she's full-time military. Same. branch. And that's rich. Well, she makes.

Wait, what's her rich? What's rich? Like, she makes a lot of money monthly. How much? What do you mean? Well, because is it rich or not? Like, let's. find out. From like 8,500 to 10,000. Okay. So, she's definitely like upper. middle class. Gotcha. Okay. rich could. be like she's making like millions. Are. you saying I'm lower class cuz I have my. own business? No, I think you're middle. class which is great and awesome and. entrepreneurial and I love that. But. when I hear rich, I think rich is. likeing like all this. They can do.

whatever. Well, it's pretty rich for. some people. Okay. Okay. That's not the. point. You use the term out whatever. It. doesn't matter. Okay. So, a upper middle. class wife. Good. How long have you guys. been together? Um like 15 months. Does. she not? So, it's a pretty young. marriage. Okay. Is she 30 as well? Well, married for like five months. So, it's very young marriage. Wait, you've only been together in general for. 15 months, but married for five? Yeah.

Wow. Okay. So, interesting. How old is she? She's. 35. Okay. Very good. Anyone bringing I I. assume you guys haven't had kids. together, but is anyone bringing in kids. into the relationship? I have two kids. You have two kids? I do have two kids. What about her? No kids. How old are. your kids? Um, nine and eight. Where'd. that come from? My first marriage. You've already been married. Three. times.

Yeah. Don't get married. What are you. doing? I would say yes. Get married to. the person you love that you want to be. with for the rest of your life. This is. your third or fourth? This is my third. and fourth. Okay. Statistically for you, I don't. know. And two women also. Rude. Well, no. Two women together. I mean, statistically, highest divorce rate. Well, it's two women out of three.

marriages. So, have you been married with women or men? Not that it matters. The first one was a. guy. And is that the baby's? Yes. Okay. That's the baby's dad. The baby's. dad. Baby daddy. Sure. Last wife. Well, ex-wife was It was okay. Mhm. Was what? Woman. Oh, okay. Obviously, it's an. ex-wife. Gotcha. So, okay. What are we. talking about today? Because if the new.

wife, the new fresh found marriage, which I'm sure will be the third. out of about 20 easy. Well, just going. off of your consistency. Wow. What? Have you seen this show before? I promise. Huh? It's the third and it's. the last. I promise. I promise. I It. doesn't mean anything to me. I don't. care. All right. So, okay. So, $4,000 a.

month. Obviously, we're focused on that. You have a lot of debt. But if we have a. rich wife, legally married. Mhm. What is. the financial situation of the. household? Are are you guys together? What are we doing in terms of finances? Cuz this ising insane. Do you guys see. how much this is? I haven't had this. much paperwork since borderline we had a. themed week called fat sack week. This. is crazy. This is crazy. So what the is. going on? Well, she has a lot of debt.

and she So I hear So this is not just. you. This is both of you. I've only. contributed to 15 months of that. Well, that could I don't know how much is. accumulated for what debt is in a time. What the It's a number. I I don't know. Because she's she was married before me. You were married. before her. I'm saying she was married. before me and all of this existed before. I did. I just married before. So you. guys hop. Okay. So we're just It'sing.

duck duck goose. Okay. So gotcha. How many measures has she had? Um I'm. her second and last. You seem sassy. Well, okay. This is out. of the gate. We haven't talked about. anything. Just like calm down. Okay, I. get it. It's a far drive from El Paso, so I. flew. But yes, I'm Well, then you should. be fine. I don't know what the you're. talking about. Because I had 2 hours of.

sleep, Caleb. Okay. Okay. Uh, so are you saying all you said I only. contributed 15 months? I didn't say all. I said maybe 15. That's not even what I. just said. I just said that. I said you. Hold on. I just said you you said you. contributed 15 months to this. I don't. know what 15 months equates to. Is 15. months this much? Is 15 months this. much? Is 15 months this much? What's 15. months? Cuz this isn't months. These are. numbers. I don't know how. What? What is.

you? What is her? Why is she not here? Why am I only talking to you? What's. happening? Because she's in the military. and she's active duty. So, she can't be. here. She couldn't be here today. Okay. Okay. So, remember she's full-time. I'm. parttime. I don't know. What? But you. guys are in El Paso. Are we in Are we. invading New Mexico? I don't I don't. know what's happening. So, household income. What's the. household income on a monthly basis? Do. you know? Are you guys combined. financially? We recently just combined. Okay, there's a step. Did you know about.

all her debt going into this? I didn't. Why are we married? Oh, because you guys. moved very quick. Well, that's what. lesbians do. That's what I was saying. Um, what was the question? I don't remember. So, neither do I. In. here, what's the household income? That's what I asked. Um, what comes in. on a monthly basis? What has the account.

total on both ends? 14,000. Okay. A month. It's incredible. Why are. we in debt? What's happening? Well, we recently just joined finances, which if I'm being completely honest, I. kind of regret doing. Why? Well, this is. the forever person though. Okay, it is. But I didn't. Now her stuff is like. stressing me out. I don't have as much. stuff as she does. Cuz you got married. before youing met each other's parents. at that point. Obviously. Oh, actually.

that's actually not good. Probably. I. don't know your relationships with your. parents, but that's probably not good. Okay, so we moved into this quick. You. didn't even know her debt. No, I didn't. know her debt. What's that? You don't go. on a first date and be like, "Hey, so. what's your credit score?" Even though. people actually just joke about that. kind of stuff. Yeah, you're right. Nothing happens between the first date. and marriage. What? Are youing stupid? What are you talking about? I'm You. don't know. You didn't You guys were. together for 10 months before marriage, right? Yeah, I guess. Did you have more. than one date? Yes. Okay. So, why didn't.

you guys ever talk about money when who. when did you guys How long were you. engaged? How long were you engaged? We. were engaged for 4 months. You guys were. only dating for like six, seven months. Okay. Okay. First of all, we were dating. for 2 weeks and then she moved in. Okay. I'm telling you, it's a gay thing. I. just thought it's not. It's a lesbian. thing. I thought she had a handle on things. She was married before me. Ex-wife. didn't work. Stay at home wife. They. were married for seven years and she.

didn't work. And so, wait, which one. didn't work? Which one didn't work? Her. ex-wife didn't work. So, she was a. stay-at-home mom. She also had kids. So, I was just putting Wait, wait, wait. Does your wife have biological children? No, she does not. Okay. So, the kids. have not come. So, it's just your kids. It's just my I'm building the picture. Keep going. Yes. So, her ex-wife didn't. work for 7. years and she's been in the military for. a very long time. And I just. assumed, you know, 2 plus two equals. four. She has handled. Wife is not.

working, two kids. She makes enough. money. Being in the military has your. Those are the people that are usually. most with money. Well, and mental. health. They give us a bad rap. It's not. Well, I don't know. This doesn't help. the situation either. Yeah, but why did. you assume that? Why wouldn't you guys. Why wouldn't you guys have one. conversation? Does she know about your. finances? No. Oh my So, who proposed it? She. did. It came up in conversation that she. that her credit score was like 700. So,

I was just like, "Oh, well, I guess it used to be.". Does she know her own finances? I think so. She just doesn't like to. tell me. So, you kind of suggested you. regretted combining accounts. Why? Just. the debt or what's happening? Because it's stressful. It's. stressful. Like a lot of it is on her. end. And what's the stressful part? Just. the debt. Is she blowing all the money?

Both. Like if we have $14,000 a month, right? You would think it's El Paso, Texas. It's a lot of money. Yes. So why? Maybe you can answer. that. Maybe you can answer that. Can you. not answer that? It's because we both. have unreasonable spending habits and it. stresses me out. So, it's not just her. debt is now. So, it's not just her. She. has the debt, but you both have the. spending habits. That's what you just.

said. Don't say no. The debt that that. existed before I did, I have now acrewed. cuz we're married. I know. But you can. leverage this massive household income. to pay off that debt. But you're not. willing to cut back on your spending. Do. you view it as her debt, not your debt. as well? Okay. Well, obviously with your. language, you view it as her debt. You. guys don't view it as combined. I feel. like we're just But it is combined. It. just sometimes I look at it and I'm. like, "Yeah, but you call it hers. I. feel like we're just friends with. flaps." Like at this point, you're not. actually like legally married. Sure, but.

you're not acting like you guys are. together forever. It's hard. She I see. things with reason and she doesn't. So, and she makes most You said your. spending habits, too, though. Okay. Because she makes most of the income and. she's just like, I want to go buy. Pokémon cards. And can she go buy. Pokémon cards? Probably she can probably. budget it, can she budget it? Yes, absolutely. Well, there we go. So, it's. not just that. What about your spending. habits? Um, I don't have any. You said. because of her spending habits and my.

spending habits. You don't spend money. sometimes. What? How much? On what? What's your Come on, dude. Don't be a. dumb. Have you seen me roasting people's. terrible credit card choices? But how. about we flip the script? Introducing. the Caleb Hammer credit card finder now. on Agent AI. It's like having me in your. pocket minus the sarcastic comments.

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don't have I don't I don't buy shoes. I. don't buy anything. I don't have. hobbies. It's just the house has to look. nice. So, I buy stuff from Amazon. Yeah, that's the best. decor, most longlasting. Okay, so we. know what comes in on a monthly basis. How much did the household spend last. month? Uh, probably like 7,000. Yeah, cuz.

you're the knowledgeable one, right? Or. who's the knowledgeable one about the. household finances? Me. I look at it. more often than she does. We look at it. more often. 7,000 came in 14,000 or. 14,000 came in, 7,000 went out. So you. only spent half. Wouldn't debt be paid. down though if only half was spent or. where would it go? I would think, which. is why I just said it. So please tell me how that how that. works. Well, okay. So we went on a we. went on a big trip. That is spending. that would count towards money going.

out. Do you not count that? No, it just I just count bills. Okay, let's reassess. You said household. expense. I did not. I said what went out. versus what came in. I did not say. household expenses. I wasn't expense is. like$7,000. I would also like I'd like to reassess. this. Okay. What went out? How much went.

out? Boom. Household income. That's. probably what I said. Household income. How much went out? I'm telling you. probably like $65, $7,000. That doesn't. make sense. You just told me the. household expenditures expenditures for. $7,000. Well, you're supposed to make it. make sense. You You said you went on a. trip. We did and it was great. Okay, that would probably mean your the money. went out is more than just your. household expenses. So, how much do you. think went out? How much the do you.

think went out? How much do you think? 10,00 $10,000. Okay. Where did it go? To the trip. I. just Where did you go? To the. Philippines. Is that where you're from? Yes, I'm Filipino. Okay. Full bread. Congratulations. Thanks. It's pretty. great. So, yeah, it was $25,000.

What's $25,000? That's the number that was. spent. That's what went out last month. Last month. No, we don't even make that. much money. What are you No, that's the. point. That's the conversation we're. having. Somebody miscalculated. What are you on here for? What are you. on the show for? To fix finances, Caleb, and to save my marriage. Before I Why. the did you just say that? cuz that's. the dumbest thing I've ever heard in my.

life. Because there's no way we don't. make we don't even make that much money. a month. That's the point. You're in. debt. You put more on debt. Your debt. went up. You mean like on credit cards? That is a. debt. What kind of person did you guys. find? I'm concerned that she doesn't. have No, no, no. I'm concerned she. doesn't have the mental bandwidth for a. conversation involving.

numbers. That's the like credit cards. Yes, like credit. cards. Are you kidding me right now? What are we talking about? Well, cuz you. asked how much came in and then you. asked how much went out. So, I thought. Are you pranking me? Are you stupid? Neither. Is she on board to get the finances. fixed? Like what have you guys talked. about moneywise now? That we need to get our Yeah, I feel. like you said that. I did say that.

Cool. Where's her head? She's hopefully. on board. I don't Oh. my Did they leave. you? The other marriages? Did they leave. you? No, I left. Um rude. I filed for. the divorces. Probably not. You filed. for the divorces. You're going to just. get like lost from the house. Yes. Okay. Okay. Fine. Fine. Fine. Fine. You left. Whatever. Whatever. Whatever. What is. the conversation that you guys have? You.

don't even like know. You don't even. like know where she's at. Right. Is that. what I'm hearing? I'm not 100%. Like we. Why Why not listen to her or does she. not talk? What is the state of this. conversation? I need some kind of. insight. We just talk about it. sometimes, but it's not it's not. finances are hard conversation. So, like. we don't budget or anything. We're big. on We're really big on convenience. On. what? Convenience. Oh, okay. I'll get.

you guys obviously on my budgeting app. Make sure you guys download it. Link in. the description below. I'll get you that. for free. The premium version for free. And everyone that gets the premium. version gets a signed cookbook mailed. directly to them. So, yay, you get that. and then you guys can budget. But my. concern is through this conversation, you're not actually able to tell me how. these conversations go. You say they're. difficult cuz they're money. How do they. go? Walk me through the last. conversation.

Um, how long ago was it? I I know it. might be difficult for you to remember. more than a week ago. Oh my. We don't talk about money. It's just. like, "Okay, we have $2,000 left in the. account. World is broken after bills are. paid." So, you say you want to get out. of debt and you've told me you guys talk. about it. I just want to know what her.

opinion is. What's hering opinion? She. agrees. She agrees that we'reing that we. have to change habits, but we don't. Do. you guys Do you guys agree on what you. have to do? Yes. But what is it? I feel like Well, obviously we have to budget. It's a good. first step. So, so. what? What? I feel like I see our. finances with a little bit more reason.

than she does. And she likes to. spend unreasonably. So, she's not. willing to cut back? Yes, she said she. is. I just haven't seen it. Have you cut. back? Yes. I feel like you probably haven't. Well, not this month. No. Why not this. month? We just got back from vacation. I'm still on vacay mode. No. When did. you get back? Like two weeks ago.

Philippines. It's expensive travel, but. it's cheap when you're there. So, it's. like what? What? 2 weeks. Two weeks. Vacay mode. Is this the new stupid. version of birthday month that I'm being. Well, we did spend our birthdays over. there and we were also there for three. How long are you guys there? Three and a. half weeks. It's a long I I get the. other side of the world being longer. than normal cuz it's a it's a long trip. It's an 18 hour flight. Exactly. But. you're back. It's time to buckle up.

Yes. Tighten the belt. You had your. vacation. And you guys have an insane. amount of debt. If I don't start going. through this debt, we're never getting. out of here. Okay. All right. Where do. you think your household, Do you know. what that means? It means you and her. Okay. Where do you think your score. would be financially? 0 to 10. Zero. being the worst, 10 being the best. 10. is a number. So zero. You can give 10. numbers in between there. Five. Five. Mhm. Have you seen this.

show? Yes, I've seen the show all the. time, actually. You're welcome. Were you closing your ears and eyes. while it was playing near. you? You think you're a five? This is. some of This is the one of the biggest. stacks of Okay, guys. If you want your. hammer financial score, you're not aing. Sorry. Sorry. Go to caleb.com and. you can also click the link in the. description below and take the. assessment. See where you stand. financially. If you want to come down.

here to Austin, Texas, we'd be happy to. have you. Go to. calebhammer.com/apply. All right. Okay. Sure. Let's talk about this. stuff. Oh, what? No, we're just starting with like. aing insane balance. We do spend $25,000. a month somehow. We shut the up. Yes, you do. That's literally what you do. On. what? I think we're going to find out.

Something tells me you've seen the show. before that we might find out starting. now. Southwest Rapid Rewards. Okay. So, $14,372.92. Minimum monthly payment. $480. That's crazy. What is up with this. card? That is a crazy balance. Crazy. minimum monthly payment. Even with your. super strong income, that's a. devastating minimum monthly payment.

Devastating. Please tell that's not my. card. Well, it is now mine. But there it is. You figured it out. You got there. Well, legally, but depends on a few things in the end. But yes, I think it is best in a. marriage that we consider it all ours. What hit you out of the what made you. come out of the gate with it's not mine? Because concerns me about your guys is.

this is fastm moving 50 marriages before. 30 lifestyle like I couldn't even get. approved for $1,000 credit in a. lifetime. You probably can't imag man. manage it. And yes, you would. But. what what's going on with it? Do you. know? Oh, you don't even know. Well, okay. So, I think that card was used. this is Southwest. Did you use this for. plane tickets to the Philippines? No. Okay. It was used for our very first.

couple trip to Las Vegas. How often do. you guys travel? All the time. Okay. You're broken. You guys, we're not. No. Listen, you guys can't afford life. You. simply can't afford. You don't. Your. debt goes up. That's why you're able to. spend what you spend. And it's gonna get. pushed to a limit where you guys aren't. going to be able to make it. And. bankruptcy would be forced to just not. gonna like go see the world. Yeah. You're just like not gonna go see the. world. You You said it. You figured it. out. We're just not going to go see the.

world because you're not going to go see. the world. Credit cards just manage our. lives. Ye. Yes. No. Well, what's the. then what are we doing here? You're. supposed to help us. In what way? I'm. not a magic pill, buddy. If I say, "Hey, maybe you can't do a luxurious vacation. once a month and that's why I earned. death." Okay, first of all, it's not. even once. Shut the up. If I just. give literally the most basic thing and.

tell you to cut out the most expensive. thing that maybe you do once a year. instead, Max, which I wouldn't even do. I'd get out of debt. Then maybe maybe. you'd be willing to cut that. back. So, I don't know what the is going. on here. This is so stupid. This is so. stupid already. So dumb. This is the. first. card. You have to be receptive. If. you're sitting at this table, you have. to be receptive or I'm noting filming. I.

am receptive. I just don't agree with. your logic. Please explain. I mean, you. know, everybody everybody has debt. No. Oh, everybody has debt and I'm just. not going to have we're just not going. to go see the world and not go travel. just because credit cards have to be. paid. My you have you have to go make me you. have to go make memories. What are you. going to do? Just stay in your house. anding work all the time? No, you.

literally Oh my gosh, buddy. Is that. what you do? Is that where you're just. so miserable all the time? Well, yes, I. am building a business here. though I do. put in more work than you've ever put in. in your entire life. But I also have. results to show for it and you have. nothing to show for it. I know you like. free things and I'm giving some things. away for free right now. And let me show. you how to get it. First, I'm giving you. a limited edition financial audit. Tumblr, plus a 30-day trial of Simpler. Budget Premium to new users when you buy.

my four class bundle. And this trial is. normally only 14 days, but I'm doubling. it just for those purchasers. And do you. just want one class? No worries. You'll. still get access to that 30-day simpler. budget trial. And act now because we're. winding down our intro pricing at. midnight on April 23rd. So, this is the. best price you'll ever see on these. classes. So, if you're feeling stuck or. intimidated by your finances, you're not. alone. And now is the best time to get. started. Grab your free limited edition.

Tumblr, sit back and finally take. control of your financial future. Or. don't, and you can end up right. here. But also at the same time, because. of that, I could retire right now and. actually go see the world without going. in debt because I put in the time. I put. in the work. I put in the effort, the. mental energy, the stress, the zits. Instead, your next vacation will be. living under a bridge and you won't be. leaving there. You're on a cookie. And. guess what? She won't be there following. your track record. So yeah, I say we cut.

back. You've already been married. Three. times. When do how often? Maybe like every 3 to. four months. No, you can't. You can't go. once a quarter, buddy. You are You can. go on road trips here and there. I could. maybe slot in a a big like a trip once a. year. We can see the world. You guys. have a strong income to build up a nest. egg to go see the world. Okay. So, instead of screaming at me, do that. I.

mean, I can't do that unless you're. willing to cut out the trips for a. moment. Um, okay. After July, we will. What's coming up before. July? What's coming up before July? So, I have a son who has a controplasia. What is that? I don't know what that is. It's a form of. dwarfism. tread lightly. How do you get. that? It's a genetic. mutation. So anyway, once a year they do.

these. conferences and we I try to go we try to. go every year. Well, that I mean that. sounds happier. That's not go see the. world. That's a it's in like major. cities of the states. So major cities. Yeah. Like one time it was in Austin. This year it's in San Diego. Careful. It's easier to lose them there. So I.

I I didn't get the check. Sorry. I'm so sorry. She's laughing. It's okay. It's okay. She's laughing. Usually I'm the only one allowed to make. jokes, but it passed the test. Well, and. and him and him. Listen, I'm okay with. that part. I'm okay with I'm okay with. those things that are good for, you. know, a development of a kid. That's all. travels are good for your soul. Sure. But like I'm but I'm willing to put in. things like gym, right? Like I'm not.

cutting back from gym. There are things. that are good. And you're right, traveling probably is good for the soul. But listen, because he has like a. disorder, a diagnosis, what was diagnosed? A disorder? I don't know. Whatever it is, we want to. support it and this can be a good way to. do that. So, I might not be fully. opposed to that, but a trip to the. Philippines I'm probably fully opposed. to cuz that's not supporting someone in. a curious situation.

Well, it's supporting me cuz I get to go. back home to my roots and my family. Yeah, but you have a long time to do. that statistically. And I would What if. I died tomorrow and I never went back. home? I said statistically, but also if. you die tomorrow, you won't know that. you didn't have gone, right? So this also won't matter if I die. tomorrow. Exactly. But let's bet on the. statistical likelihood that you will. live until at least mid70s. statistically. Right. Yeah. So I'd rather choose that. That doesn't make any sense. Do you see?

Do you understand the logic I just used? Well, I just do Do you understand it? I. need to make sure you at least. understand that. Statistically, yes, I. get it. But also, so let's bet on that. What? Because statistics are not in. charge. Had I died tomorrow, we wouldn't. have been able to live like the. Kardashians in the Philippines. Had you. died tomorrow, you won't know that you. had lived. But also, had I died. tomorrow, this wouldn't matter. Exactly. Exactly. That is what I'm saying. If you. died tomorrow and you didn't go, you. wouldn't have regretted anything cuz.

you're dead. You don't regret when. you're dead. You're dead. But if you on the very high chance live. tomorrow, I'd rather you be in a place. where you're not completely. But I would have gone and I would have. had that memory. I don't think with my. whole family, all 23 of them. And what genetics were passed to your. brain? I'm curious. Great ones if you can't tell already.

I. listen. You're defensive. It's natural. Are you serious? Are you kidding. me? I was going to defend your. defensism. Defensism not a word. That's. Yeah, that's I'm just thinking isms when. I'm looking at. you. Just it's just I'm. sorry. That's just that's what's in my. head right now. So, I'm just.

saying when people are in front of the. camera that are not used to being in. front of the camera and when they're. getting confronted for the first time, when they're not used to getting. confronted, it is normal to be. defensive. I would like you to actually. just just think though, just think, be. more receptive. I'm not being defensive. I literally explaining to you my thought. process because hopefully you guys are. enjoying this cuz no my enjoyment is. gone. Okay, great. Hey, you're. purchasing on a credit card on the.

14,000 stupid dollar credit card. $117.70. She purchasing. You're. purchasing. Are you authorized user? I. don't think so. Authorized user. I don't. have a card. I don't have access. So, she's purchasing. Do you know she's. purchasing? Are you okay with her. purchasing? I don't know that she's. purchasing. Okay, now you know she's. purchasing. What do you think? Well, it's her card, my debt. So, that. sucks for both of us. If you guys have a conversation about. this, will she stop purchasing or are we.

wasting our time? Maybe she. will. I don't know. Oh my gosh. Maybe. This is the least productive. Yes, she. will. Yes. Yes. You're just saying that. now. Okay. $336 of interest. accured in one single month on one. single card. That is. insane. It's basically at its credit. limit. No one's surprised. Is iting. Amazon? You guys share your Amazon. accounts or independent accounts?

Independent. Why would you pay for two. separate Amazon Primes? Well, I added. her to mine and it didn't work. So, I. think she's still paying for hers. Log. into the same account. Yeah, we could do. that. What are you guys? What laboratory. were you guys invented in? This is. insane. This is insane. I am soing. confused on the way you guys. operate, buddy. I don't even know what. the to do. So, you guys just got back.

from the Philippines. How much did you. spend there to live like the. Kardashians? Well, half of what we spend here. So, that's great. You're just as stupid as. them, too. Oh, you talk like them. You. act like them. You want to be them. The. last smart one was theing grandpa who. defended OJ, and he was wrong for that. So, what the How much did you spend? That's rude. Like $3,000. Well, are you sure?

I don't think you know, cuz you thought. you only spent seven to 10 or whatever. Spent 25 alone. were like $3,000. Then. you spent more. I meant like once we. were there like spending money. $3,000. Okay. I like I I feel my veins right. now, which means I'm getting stressed. And this is This is so stupid. I don't. know why. That's a credit one card. Great. Credit one card at the top of the. deck. Do you know what this.

means? Do you How How many show episodes. have you watched? Uh, credit one is the. worst of the worst. Oh my gosh, he. actually walked away with something. I'd. watch the show. Then why are you being. a You're over the credit. limit. Whose card is this? Mine. You. Dude, you know this is Okay, let me. explain. Can I explain before you start.

screaming at me? There's going to be an. explanation to this. Yes, there is an. explanation to this. My credit history. is really young and this is one of those. things that's like high chance of. approval and I thought Hey Jake, when. you had a young credit history, did you. ever get credit one? Oh, sure. You did? I mean, I didn't open one, but I got. offered. Oh, but you didn't open it? No. Hey, Lindsay, when you had young credit, did you open credit one? Sure did. Oh, neither did I. That's interesting. So, what you're saying this is the only.

option before No, that was before your. time. I wouldn't have opened it had I. known this. I'm your age. Well, on YouTube, I mean this it was. like four, five years ago that it was. just build your credit. So, I opened it. Also, it's only a $300 credit limit. Good. So, yeah, that's great. Could be. worse. Yeah, it could be higher and you. would abuse it. That's what Well, we. don't know that. It's like I do. Look at. everything you guys do. What do you.

mean? We literally know that from your. finances. Not me personally. You're. purchasing on a credit one card. Okay. You've been watching my show for long. enough not toing purchase on a credit. one card. So, what are you possibly. doing? Why purchase on this card? Because we run out of cash. Then you are. purchasing on things you cannot afford. It is simple as that. Yes, but like. we've paid for everybody in the. Philippines. Who's everybody? My whole. family. I told you all 23 of us. Oh, big.

breeders. Okay, that's insane. Um, okay. Not And you paid for all of them? Yes, cuz it's what you do when you go home to. a third world country. You're the one in. America, you're rich, so you go home and. pay for everybody's meals and drinks and. vacations. This doesn't make any sense. You guys. were already in a stack of debt. You. couldn't be in that situation to pay for. all that. It It's not even a. thing. Normal. I always recommend the. Fizz card to everyone on the. show. Not you. Not you. Great for.

everyone out there. Not you. Why? You. don't know that. I could be great. I. have your finances. I have your I have. your finances, lady. I do know that. No. No. The thing I will recommend for you. is therapy if you can handle it. Sandre. mine. There you go. Free. sessions. That's the resource you. get. But not Fizz. Hey, you look at me. My job is to sit right here and be the. absolutely stunning figure that I am.

And some things I just can't help, like. my incredible ass, which is why you're. all here, of course. But also, some. things are in my control. For example, the pearly whites. I yap a lot. And some. would say too much. So, I get it. But. listen, if I'm going to yap, my teeth. may as well look pretty damn good. I. drink a lot of coffee to get through. these audits, and I started noticing. some staining on my teeth. So, I've. partnered with today's sponsor, Oraglow, and they brought back my confidence for. continued yap sessions. The reason I.

prefer them over competitors is because. they actually whiten, but they do it. sensitivityfree, and that's always been. why I can't use these types of products. for long due to my sensitive teeth. Seriously, these things are incredible. Make sure to go to Amazon and get the. Oraglow teeth whitening strips or click. the link in the description below so. your YAP sessions can be just as. confident as mine with stunning white. teeth. They owe $32 on a. $300 limit because we manage life so.

well with a $30 minimum monthly payment. Oh, good. You took it up from $55 to. over the credit limit. That's great. It's for Marshalls. It's for Target. Target. Target. I needed stuff. A noob. Amazon. There's your annual fees. Just. the fees that are hitting $177 this year. so far. $7 in interest. It's only a $300 limit. It's fine. Good. Yeah, right. Why would you spend to it? Pull up your Amazon. Pull up your.

Amazon. Let's see what all your. relatives are making overseas. Um I don't even know what's on here. You. are just you are the mintiest creature. I've ever seen. Does it smell like mint? I don't have any. It's attached. It's so. I just got to delicately touch this. thing. Do you want hand sanitizer? I. want for you to listen. Well, at least. you're seem like halfway nice person. when you all of a sudden feel.

Is that your wife? Who the also be on my. phone? One of your other four wives. I have two head had I have one. Why' you leave the man while I'm pulling. this up and getting connected to Wi-Fi? Because I was gay. Hello. Oh, were you. full gay? Yes. Is that even a thing though? You. have to Well, I don't know. You left a. dude. You have to categorize yourself.

It's 2025. I don't know. You said you. were gay, so you left a dude. I did. But now you're saying you can't be full. gay, so you wouldn't leave a dude. He. was the. first thing I've ever been with ever. I. know. That thing produced two children. How long were you guys together? We were. together for 4 and a half years. Thank. Okay. Did you Did you just tell them. that you were gay and you left? Um, what.

do the kids think of the gay? I guess. they've been around double gay now for a. while. So, they think that love is love. and they're happy that How about you. leaving dad? Um, well, backstory. I was raised Mormon. What the like? They're going they're. going out to the islands and pushing. hard, I guess. Like born into Mormonism. Like. born and raised in the Philippines and I. was Mormon up until I met the kid's dad.

So he's the one that got to have. multiple wives. Well, yeah. Yeah, I was. trying to please and appease parents. that were super into the church, but I. still did it with the wrong person. because he was a lot older than me. The. man? The man? The baby man? Yes. How. old? Well, how old were you? I was 18. Okay. Well, an adult, sure. And he was. 40s. Oh, yeah. Oh, yeah. That's substantial.

It was a lot substantially different. Parents were not Did you guys Your. parents your Mormon parents? My Mormon. parents. So you weren't doing it to a. piece of church. Well, it was they. wanted me to be with a guy. So I was. like, "Okay, here you go. Here's a guy.". What did you do? You just what? Streets. of Salt Lake. Wally was my recruiter. Huh? He was my recruiter. Recruiter for. what? The military. Yeah. Oh my. gosh. How'd this go down? Well, I tried.

to endless after high school. I got. disqualified for medical reasons and he. was my recruiter. So when I got. disqualified, I was no longer an. applicant and all. It was fair. Did you. move? Did you make a move or he made a. move? He made a move. Why the would I. make a move on a. You married him and did two kids. Okay. All right. So, we're missing a puzzle to. the story. I was Mormon and I got kicked. out cuz I tried to come out gay. I knew. before I was with him. And gay people.

love to sleep with people way older than. them. So this is really this is. consistent. We're just hitting all the. stereotypes today. I know you're. matching them. So okay, fine. You left them. Good. Why'd you leave the second one? Uh there was infidelity on both ends. On. both ends? Come on. What are we doing. here? Every. time I'm not even close to homophobic, but I'm about to say every time we have. lesbians on this show, they all cheat on. each other. What is happening? I had.

reasons. What was your reason? Yeah, I was activated and she wasn't. there. Are you sleepers? No, like with. the military. Come on. Oh, okay. Yes. Yes. Yes. Yes. Yes. Okay. Okay. Keep going. Sorry. Sorry. Activated with the military. So, I was. gone for a long time. I was on mission. and I needed her support and she. couldn't give it to me. So, I found it.

somewhere else. That Come on. No, not. fair. I I'm confused that why that. equals you go someone else, though. No, it doesn't. But also, you're supposed to. be there for your wife and she wasn't. Could she have been? Yes. A lot more. than she was. How? She could have gone. Were you activated, too? I was only 8. hours away. Okay. So, she could have. made the drive. Did you tell her to? Yes. Okay, then why didn't you just. break off and be done? Don't cheat. Well, because she had my kids.

How many people you cheat on with? What? How many different pairs were you on? Why does that matter? Come on. Yeah. Why? Why? How many people were you with? One. So, that's a lie. Okay. Literally, it. doesn't matter. It was the principal. Like, see it from my point of view. I'm. sure your current wife is going to love. this. Open this. Open this. I had your I. got your Amazon pulled up and then she. cheated on you cuz she learned you.

cheated on her. Yes. Were you cheating. with. women? Oh my. gosh. How often were you cheating? Okay. What? How often were you cheating? What. do you mean? How often were you. cheating? What classifies as often? Like. how how often would I see people? Yes. To go get drinks and stuff if it's with. that intent. Yes. Not often. What do you mean? Not often. Come on. I was talking to multiple. different people. Did they know? Did.

they know what? Oh my gosh. You're aing. creature. Did they know that I was. talking to multiple people? Yes. No. I do. Listen, you don't know until. you're out there. You can't the. loneliness and the camaraderie that you. need. And then don't get married if. you're in that situation from people. This is why military people get. divorced. And we have You should have. instead of cheating. Yeah. You a bad rap. after you cheated on like with like a. thousand different tips. You cheated.

too. Let's not forget that. Two wrongs. don't make right because two wrongs. don't make a right. Because you did. that. It's still Still not okay. No, it's not. But it wasn't what I did. wasn't okay and I acknowledge that. But. you don't. So you got like lotion screen. protectors. More screen protectors. How. many screen protectors do we need? Like. we went to the Philippines where also. got sunburnt. really bad. Went to the. Philippines. That's where everyone gets. their screens scratched. Filipinos just. going around. Phone screens. I thought. you said sunscreen. Nope. That might be.

sunscreen. An iPad case. Probably for. the iPad kid. Phone case. What is this? Poker set maybe. No, that's like cure. eggs or something. Crystal Deco Brothers. tempered crystal. Something cubes. Water. pets. boy with a video. game. Nespresso capsules. Nespresso. capsules. Makeup and FA. It's Dude, none. of this is like a necessity. There's not. a single necessity here. It's almost. Shut up. It's almost what? It's almost.

Easter time. Oh my god. We need the. Easter Bunny is coming. So that's for. candy. There wasn't candy in here. The. Easter Bunny at our house. Do we do. different Easterers? My Easter was. candy. The Easter Bunny at our house is. bougie. So, the Easter Bunny at your. house is in a lot of. debt. The Easter Bunny at your house. never knows what house to go to because. you're with someone different every. year. Not every year. Every Easter bunny at.

your house was probably inside of you. while you served. It's none of these are necessities. This. is crazy. You go crazy on here. You go. crazy. I did tell you earlier that. Amazon is my weakness. I know. I know. So, at least I was forthcoming. Just. imagine the return on your investment if. you just put that money in stocks and. moon savings account and anything. It'd. be just delicious. But instead, you're a. 20 28%. Sorry, not a I.

shouldn't just be thing insults. I can. throw jabs, but insults is no point. What are we doing? I just get upset and. that's where my brain. goes. Amazon. Oh, great. Is this your. Amazon card or hers? Mine. Okay, which oddly not even that many. purchases, but of course purchases fees. $40 of fees. $10.32 of interest. $3142 of purchases. You have the credit. limit. What is the fee possibly? What is.

theing fee. possibly? What is the fee for? Uh late payment. I don't know. Great. Oh. my gosh. Nons. You don't give a You. don't care. Of course I care. That's why. I care. I don't that's why I'm here. I. can't tell. I can't get in your brain. You're sassy, then you say you're not. You're defensive, then you say you're. not. And it's just likeing I don't. understand. I'm trying to tell you why. Yet there's a nice part of your. personality. Yet there's an aggressive. cheater. Yet there's I don't understand.

what you are. I might not know how to. get through to you. I can get through on. to most people. I don't know. You're an. enigma. I'm kind of great, actually. I'm sure in other contexts, not this. $379 59 cents with a $55 minimum. payment. It was a late fee. Why are you. late? The one who manages the finances. of the house. The good one. I forgot.

How can you forget? Why don't you have a. calendar? Why don't you have a budgeting. like ours? Why don't you have auto pay? I get a wild hair up my ass and I'll. just put I'll make a budget and then. what? I'll get a wild hair up my ass and make. a budget. Military anymore. Well, yes. you are. Me. So, it's going to continue. Okay. Wrap them up. Oh my god. Keep. going. What I'm trying to tell you is I. need you to listen. Are you listening to. me? Unfortunately, this is going to help.

you figure out Yes. Unfortunately, I am. listening because I have no other choice. but to sit here. I make a budget, right? And then I don't follow it after like a. week. Yeah. That's why we're here. It'll last maybe. two weeks tops. Yeah. And then Amazon. calls. for me at least. Shut the up. You just. have to make your minimum monthly. payment is what we're talking about. It's just your minimum monthly payment.

is that acrew interest and stuff. Yes. And now the balance is higher because of. the $40 late fee. So the interest will. be more. I guess I just forgot. Why is. it not on autopay? Because sometimes. there's no money in the account. Then. why don't you have a reminder for when. it's due at the very latest? I do. I get. emails. You don't check your emails. probably because it's. 2025 and you don't have a job. I do have a job. Does it come through.

emails? My. job? No. Well, there you go. So, you. probably don't check your email. Set. yourself a. reminder. Set me a reminder for blah. blah blah date at this time to remind me. to pay Amazon. This is We live in a. world with. technology. We live in a world of. technology. And again, if your relative. is going to make that phone for you, you. may as well use. them.

Okay. Okay. Great. Stellar. conversation. Capital One. $1,95049 with a. $68 minimum payment. This is a Capital. One. Whose credit card is this? Wifey's. Okay. Wifey's temporary wifeies. $51 of. purchases, $49.19 of interest. Oh, good. $50 from the credit limit. Who would.

have thought? Did you know she was. purchasing on this? Yes. That's So you. know she's purchasing on this one. This. one. Okay. Why do you know this one but. not the others? Because this one was. opened when we were already together. This was used This was opened solely for. our wedding. purposes. We had a really nice wedding. Of course you did. Cuz you can't. compromise on anything. Should have been. a nice wedding. Do I even care to ask? Well, yes.

Maybe you'll feel bad for me if you do. I'll depend. I'll I'll I'll judge if. it's interesting and I'll cut you off if. it sucks. We spent $20,000 on our. wedding. What are we doing? What the. also moronic. Mostly credit. cards and some from her dad. Uh beyond the 20 or he helped with some. of the 20? Um within the 20. Oh, okay. Good. Good. How much did he help with?

like six thou like we owe him $6,000. You owe So it's a debt to the debt. Well, he hasn't tried to collect so. that's really nice. But was it agreed. upon that it was borrowed? It was like a casual like you'll pay me. back. No. Huh? What do you mean? No, no, no. Tell me what was agreed. There was. no agreement. It was a verbal. conversation. It was like And what was. said? Dad, we need help with the. wedding. Okay, here you go. I know. you'll pay me back. That's what happened. Oh, I mean, why do.

you do this to yourself? Why did Why did. you have to spend so much on this rush. for wedding? Was it supposed to be this. big and it was it? You think after your. third one, you wouldn't need it to go. crazy? That's not true because this is. the only wedding I had. That's not true. I got married, but I didn't have a. wedding. And this was supposed to be the last. one. So, I was like, "Okay, we're going. to supposed to be That's everyone was. supposed to be the last one. That's I. didn't Nope. I didn't make those.

promises in the first one. You did when. you got married. Anyway, we spent that. much money on the wedding and we It was. only supposed to be like 10 people and. then it grew to 60. Yeah, but it's You. get to choose that. And I know it's. hard, but you get to choose that. Well, it was hard and it was mostly I didn't. have my family here, so it was just my. mom and dad and siblings. It was her. people. So, 60 people, none of yours. Well, some clients and friends. It was. supposed to be a familyon intimate.

wedding. If you would just let me. finish. And then the guest list just. grew to 60. It started as 10, grew to. 60. And then we were having our wedding. The venue people, it was in the fields. It's El Paso, Texas. The venue people. didn't spray for. bugs. So, there's irrigation right next. to them. So, the mosquitoes, it was. insane. like the the venue was infested. with mosquitoes. Okay. Okay. I'm almost. finished. Listen, everybody got bit. It.

was really bad. Covered with mosquito. bites. So, we had to take everything. inside this tiny old house. And all of. our setup that we paid for got left. outside. So, $20,000 down the drain. Yeah. The dance floor, the setup, the. dinner table, the tent, the beautiful. lights, all of it outside. So, a lot of. this is from the wedding. A lot of what? A lot of the What the are you talking. about? Shut up. That is not true. You.

are still spending on this card when it. is at its credit limit. So, that is But. some of the balance is from the wedding. Sure, but you're still spending on it. instead of making progress. Okay, wait. Here's the best part. What? No. What the. best part is? Because our wedding was a. bust, we decided to do it again in the. Philippines. And it was an absolute success if you. wanted to know. And it wasn't as much. Success in every. way except for your life.

But I have memories. Uh yeah. You also have $413,000 of debt. So better be a lot of really good. memories. Oh my. You don't even know. What the are we doing? $413,000. That's not a thing. It's a. It is time to cut down your financial. stress and gain total financial. dominance. You got to download my budgeting app.

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It went to HNFS. West. What is that? I don't know. I don't know. I don't know. Great. So, keeping us at the credit limit for. something we don't even know. [Applause]. GECU. Who's this? Wifey.

Okay. 4,737 with a limit of 5,000. So. basically maxed out and 27 cents with a. minimum monthly payment of. $95. Great. Takes how long to pay off? Just. minimum monthly payments, no more. purchases, which you guys are typically. incapable of. How long does it take to. pay off? Just this card, the $4,000 one, not the $14,000 one we talked about at. the beginning. The minimum is 95.

Probably like 400 years. I mean, give me a real answer. I don't. know. 25. 20. But Okay. So, I was close. So, I do. know my numbers. Sure. And 25 is. acceptable to you? 20 is acceptable to. you? Obviously not. And why are you guys. still spending on all the cards and. keeping them all at their limits? There. is not a single card we've not looked at. that are not basically at the limit. And. one was. over and one was late.

We have to do stuff. There wasn't There hasn't been one. necessity yet. Yeah, we have to do. stuff. We want No, there hasn't been one. necessity yet. We want to do stuff. Okay. Do you want to get out of debt or. do you want to do stuff eventually? But. can I do both? Can I get out of debt and. like still live my best life together. with her and the kids? Probably not. See, and that's not Why is that okay? It's not acceptable. Who are you going to complain to and.

have that change? I just don't. This is. the system. You're in the system. Put on. this earth to justing be ran by bills, bro. Well, congratulations. You made the. choices that got you in them, though. And so did she. And so does she. And you. guys continue to make the choices that. get you in. there on this earth. We're not on this. earth for any purpose. We're. born and we die. Like you you're making. the choices you make along the way. That's really morbid. But that's also just how the biology.

works. You're born, you die, and you. live. You're making the choices along. the way. I disagree. What do you mean? You don't just die. I'm talking like afterlife thing. Well, that's that's something different. I'm. just talking about the life on this. earth. You know, you can believe. whatever you want to believe. Before you. die, you only get one chance at this. So, why not just go Exactly. But your. chance is going to be endlessly. stressed, endlessly. struggling because earlier you were just. you were telling me I'm telling you that.

this all this doesn't matter cuz you. just you just live and die. So then what. the it's fine. Bills get paid, they. don't get paid, you die anyway, right at. the end. But do you want the next. hopefully 50 years or so to be an. endless struggle and you not being able. to take care of your kids or leave a. legacy parts of the world as I go along? But at some point you won't be able to. because you won't have the credit to do. so and that's the only way you'll be. able to afford it. I've had credit Caleb.

and I've been fine. You guys do. together. You guys do together and. that's how you're getting. there. That's what you guys are getting. there now. And the kids matter too. You. choosing seeing the world over them is. being a selfish. That's a reach. Cuz they get to see the. world. Yes. And they get to have these. memories with us. They get to talk about. being stung by jellyfishes in the. Philippines. They can get stung by the. jellyfishes in Galveston. Ew. Have you. been to the Philippines? Ew. To the.

Philippines? No, but there's jellyfish. everywhere. Yes, but it's a lot more. worth. They also have a long time to get. jellyfish. You're making it so that if. they want to go to college, you can't. support them. They're making it so not. true. They're fine going to college with. my military benefits. Okay. Yes, you got that part. Go US. Army. Sure. Yeah. Woo. Woo. But it's ha. But. they might have to downgrade housing.

situations. They're going to see their. mom endlessly fight with their other mom. because Yes. cuz that's one of the leing. leading causes for divorce in this. country. No, it's not going to get there. because I'm here. You're going to help. That's not how this works. It's one of. the leading shut up. It's one of the. leading causes for the divorce in this. country and you're in one of the leading. relationships for divorce in this. country. The odds are not stacking your. favor. So, you need to do everything. possible to maintain this. And it's for. the sake of the kids cuz they're going. to endlessly see their mom hopping to.

hopping to hopping to hop. And then. you're going to have nothing. And then. they're going to have to put their life. on hold at some point. I would never. allow that. It doesn't matter. It's not. about allow. It's not about allow. But. if you are struggling later in life. because you never prepared at all. Who. knows what it's going to be look like. That military disability might actually. get looked at at some point after this. show. Imagine my babes having a mom. that's like, "No, we can't go there.". And no, we can't go there because we. can't afford it and we can't. That's a. responsible mom. No. Yes. You're also.

teaching them horrible, horrible. lessons. That's not true. Because as. soon when they grow up, they're going to. be like, "Oh, when I was a kid, my mom. took us here. It was pretty great. When. I was a kid, they don't learn about. sacrifice, though. They don't learn. about the hard choices that you I do it. in a balanced manner." No, you don't. You go way overboard. We stop doing birthday parties. We just. go places now. But even still, you don't need to have. an extravagant birthday party if you. can't afford it. Like, that's just life. And I'm sorry, but life is life. We're.

noting promised anything. We're not. again. So that's right. This is the. system that exists. And this system has. gotten us luckily even though there are. struggles, the system has gotten us to. it is better to be a human in our. lifetime than any other human existence. in lifetime that has existed before us. Okay? because of the technology, because. of the enjoyments in life, because of. the lifespan, because of the medical, because of a lot of things. There is. lower poverty in the world than there's. ever been. And that's because of the.

system that we're in. In that system. that we're in has some things that suck. But this suck that you're in has all. been your choice. Has all been your. wife's choice. So, it's not like even. this was a put upon you. I never said it. was. You complained about how we're not born. to go through all this. You chose to do. this. I did choose to do this so that my. life here isn't wasted. Instead, you'll.

just be wasting your kids' future cuz. you won't have anything prepared for. you. So, they're going to sacrifice when. they're trying to take care of their own. life to take care of their selfish. mom. That's what's going to happen. I. disagree. You disagree? Great. Okay. That solves the. issue. I I I I don't I don't. know. And they told me you're going all. out for your kid's birthday anyway. So. that's just a lie. They say you're.

throwing this extravagant party. It's. cuz she's turning 10. You're just a. liar. She's turning 10. It's not. extravagant. She wants a murder mystery. birthday party. Extravagant. That's extravagant. That doesn't constitute as extravagant. How much is it going to cost? I don't. know. Probably like a thousand. Do you. have the money? I will. No. You spend. more than you make. Will you have the. money? Yes. You stupid. This is the most.

obnoxious. You're the most obnoxious. person I've met in a very long time. I'm. pretty sure it's you cuz you're the only. one yelling in this room. Oh my. But it's because of you. It's because of. you. And you've seen the show. What does. this surprise you now that you're in. person now? I just saw you. How'd you even find your. way to the studio from the airport? I'm. surprised you're capable of doing that. Cuz I'm Asian and it's genetic for me to. be smart. Then I think you'd be able to. do math if you're really pulling that.

card. Well, that's I didn't get that. gene. Yeah. Uh is this this is another capital. one? I guess. I mean, I'm getting lost. here cuz there's just so. much. This is ridiculous. $22484 cents. Not even the crazy. But of. course, the limit's only 300. Great. This is yours. Yeah. Yeah. You get the. micro dick ones. How did you know? The.

jeans. So, with that, you're getting. fees again because it's your card. So, of course, we're getting late fees. And then there's this. $6.90. interest. Congratulations. You suck at everything. involving money. Enough. It's low. The. other one's low, too. The other ones you. have are low and then you don't. And. then they're late. Okay. I'll pay my. They're always late. You're always late.

Not always. You've We've out of here. You've had. three that were yours, right? Three. Yeah, two have had late fees. I forget. I'm really survive. I really do. Well, I've done a pretty good job. I'm 30. No, you're not. This is not a good job. Listen, people have probably told you. that throughout life to be nice, but no, you have not done a good job. You have.

not. You're actually closer to being a. legitimate failure in life than being. successful. Much closer. And I need some. I need to tell you that cuz no one has. Uh uh uh. Compared to whose standards? Ours. Compared to your standards, dude. Compared to even the people in the worst. positions other than like drug addicts. and murderers and you're basically the. wor No, it's really not. Yes, it is. I. have a roof over my head. There's food. on the table. No, I don't think that's. going to happen for very long.

Well, you're pushing yourself to the. limit. All of that you just said is a for now. activity. None of that is. guaranteed. And I'm sure you're going to. claim disability after military, aren't. you? Already, Bab. I'm getting it already. I feel like the show may have exposed. something.

and in the system. based on all the episodes we've had. Oh, I pay a lot of taxes for that. Okay. I got hit by a car and uniform. Why? because they weren't doing. their jobs properly and I was sure. wasn't because you were lost in the. street. I was doing my job.

There's a pass due fee on here. We're. not talking about that anymore. I am. I'm getting us back to the. money. 30% interest rate. Can't pay the. payment. Interest is acrewing. It's the second pass due fee this year. so far and we're just over a quarter of. the year in and you're a mom. Good luck. to your kids. Don't question my mothering skills. Questioning your mothering skills. No.

Yes. You were prioritizing you and being. selfish. That's not true. I'm a really. good mom. Them getting nice little. knickknacks and is not the act of good. knickknacks. It's stuff that they need. You're not teaching them any. responsibility, any discipline, anything. that is going to make them be able to. survive once they leave the house. They're going to be soing lost. They're. going to get hit by a car, too. And. shove it right up your hair. That's.

up. What? You don't say that. about kids. I'm basing it off of how you've raised. them. You're probably not going to have. any for saying that. Have any kids? Yeah. I don't know. There's a lot of. life left. We'll see. I don't know. You. can die tomorrow. Yeah, then I wouldn't. have kids. Well, that meant nothing. I feel like. you felt like you just dropped a mic. there. Yeah, because you'reing upset. about all this stuff. You want kids and.

then you're just wishing kids to get hit. by a car. Why? Why? Literally, you just did. You were like, "They're probably going to get in my. car, too." Because you didn't teach them. how to operate in this world. Your. entire motherhood was focused around. making sure they saw a jellyfish in the. Philippines. No, I have happy kids. Yes, exactly. But not smart ones because you. haven't My kids are very smart. You. haven't taught them anything in life. I. have. Listen, when they need it, I'll. I'll give them course career services. I'm not a yes baby all the time. They.

don't get everything that they want. I. highly doubt that. They don't get. everything they want. If we have it in a. podcast the getting hit by a car was a. call back to you getting hit by a car. and one of them also probably the car. wasn't able to see above their dash. So. I mean that's mostly it. It's the art of. that's not what happened and it was. actually very dramatic. I was in a. wheelchair for a year. I wasn't talking. about you the kids. For sake follow. along lady. You just said that my son's.

going to get hit in my car because they. can't see over their dash. I said be. Do you not understand what I said? What. is happening? That's what I am asking. Listen, I'm I'm close to I'm close. toing I'm close to justing calling it. and I hate that cuz I've called it in a. few episodes recently and I really don't. like that. I really don't like that. I. want to get through. I want to get. through but there's so much left here. and you are incapable of comprehension.

and having a conversation. You haven't. actually said anything of me. I've. recommended at least what to cut back on. and how to at least manage your. finances. Oh my. Yeah, I totally believe. that. I'm believing it so much right. now. I can't even believe how much I'm. believing. it. The is on Oh, navst. records. Naviest records. Okay. Rewards. Sorry. Texas small. What? Who's yours or.

hers? Who's in the Navy? You're in the. Navy. I thought you were in the army. Okay, that's Are you okay? Huh? That's See, like you're good with. numbers and can't read. It doesn't have. anything to do with service. It says. Navy rewards. I thought this was a. special Navy card. An old Navy card. Oh, that makes. sense. Says on Navy. So, I was Yeah.

Makes sense. I was going to say you're. the wrong kind of gay for the Navy. So listen, we have $4001 on here. Who's. is this? Is this yours? Who's going to. Navy? Okay, you're going to Old Navy. Great. $500 is the total line. You have 4001. fees 41. My again with you and youring. fees, dude. I can't I don't You're never. going to get out of this. You can't even.

just pay a minimum monthly payment. They're only late for like 3 days and. then I get. fined. Okay. It's hard because my. personal income is on a daily basis. I. don't get like weekly bi-weekly stuff. I. make money every day. Payment. $56.24 16 months to pay off purchases? No, I don't think so. But there's. interest and there's fees because you. can't manage a single thing in your. life. There it is.

Fees. Interest. It's all charged. And. second page. Woo. [Music]. Yippee. We'll see what they can. do. Next card. USA. I'm. done. This isn't I just Oh my. This. takes 17 years to pay off. This is. insane. Says hers or yours? Hers. 2000.

Look. Oh, this is at least interest. free. $2,3969. The minimum monthly. payment of well, I don't know. I'm going. to say 100. So, that's what was paid. last time. Nothing's paid now because it. was paid. Um, but it's a 0% for now. Maybe no minimum payment is even owed on. it and they just want you to go to the. interest free period and close it. out. I don't see when it's done. What's.

up with this card? Do you know anything? It's my wife's existed before me, so I. don't know. So, we did not talk about. that card. No. Right. Okay. Premier Bank card. What. about this? That's mine. Tell me. Um, that was opened along with credit one. Also, high chance of approval. That's. okay. That's the highest limit I have.

400. Five. 400. Five. 400. Five. 400. Shut the up. It's literally 400. Stop being a It's five on the. app. They probably lowered it cuz you. suck. Because there's a fee. You That's. probably. why. Oh, you purchased. $47948 because you only.

$3932. Minimum monthly payment. $30. That's. what Oh, I'm done with you. I don't know. how you survived this long. I don't know. why you're yelling at me. That's not. because you're only ever with someone. since. 18 that I have. That's not true. It's. your attitude. It's youring attitude. Good. Be offended. I don't give a You're. offended means.

nothing. Amazon, Etsy, Amazon monthly. fee. Bull bull. Holiday in. bull. Albertton's. maybe. Afterpay. Afterpay. Afterpay. You'reing paying you have to pay on a. credit card that is acrewing. fees and acrewing interest. You're. paying debt with debt. You're paying. debt with debt. It's supposed to build. my credit. Good luck to this household. Good luck to thising. household. Sake,

man. Good luck. Good luck. I threw my. pen. Get another. pen. Okay. Sephora. Who's the Sephora? You saw my wife. Do you think it's her? No, I did think it was a man. That is. true. Okay, we are at past $237. Sick. How? It's because you've only ever been.

with someone. You never had a moment of. dependence. I might require a diagnosis. of child and you might need to get. divorced. and just go live on your own to learn. some independence. I have. You living on. a military base doesn't count. I did not. live in a military base. I own my own. house. I bought a house. What? When you. were deployed and getting dled? No. After my divorce. What? Which one? The. second one. Rude. What do you mean? I.

wouldn't. know. How would I know? I lived in a. house by myself and I raised my kids on. my own and paid paid my mortgage like 6. months. Okay. You've never been in. you're you've never been independent. It's better than you. You've not been. married and you're my age. So. when when are we supposed to get. married? I don't know. It's probably cuz. you're just pissed off all the time. No. When are we supposed to get married? You. should at least. Do you not get laid? Is that what it is?

I do pretty okay. Well, good for you. I'm at the medionaire uh marriage age. You literally just looked it up. Yeah, cuz cuz you pulled out something. Does. it make you feel better? Well, I like to. know facts so I can live in the real. world, Caleb. Yeah, you're right. Usually the median first age for. marriage is 30. So instead, you did it. three times by then. Yeah. And pumped. out kids with people you didn't even. like. Good job. They.

made everyone look to this one. Moral. superiority princess. Here she is. This. is who you guys want to. be. Sephora. So you can be the fem one. Sure. I gota I really hate these. categories. These labels. Is that a. thing here? What is that a thing for. you? Like you have to label everybody? You seen this show? It's all I do.

All I do is make little. jabs. That money. That. money. That money. McDonald's. You've. done it all for yourself. Well, uh, passing dude. It's so It's so. stupid. What concerns me is again, you. do have a kid. If this was just you, but. you have a spouse, you have a kid, and. they're all getting pulled into this. bull. $2143. The minimum monthly payment of. $48. Tapping your fingers. Are you. bored? You bored? You're not getting.

anything? No, because you won't be. receptive for a singleing. thing. Are you training for her later? I. don't know. $2143. That's the same amount. No. Uh, you win. Okay. I'm really glad uh you. made your purchases without even making. aing payment. Well done. $37 of fees. $4.20. That's for the. wedding, by the way. What? The. purchases? Yeah. When did you get. married? In August. This isn't a. statement from August, you dumb tit.

Well, I'm saying I opened it in August. Congratulations. I don't give a no. payment and your purchases were last. month, not in. August. Late fee and then purchasing. Sephora. Really trying to hide your age. there. I can tell. you need. some. You stress too much. Bet I got a. better skincare routine. You stress too.

much. I am stressed and it's foring you. It's for your kid and extra stress in. this episode cuz you're not receptive. and you're a kind of a little So it's. Yes, the C word. We all use it. I'm just. returning your energy. So. I didn't get upset until you started not. being receptive to anything. I'll be. receptive if you have substance. We. haven't been through your finances yet. to end anywhere. Okay, carry on. In.

fact, I think I'm only halfway through. Carry on. 32%. interest. Mattress firm. Her or you? Her? Her? Great. Why did you pick the butch one? Why did you choose that? I'm sorry. What? What made you pick the. butch one? What made you pick her? What do you. mean? She's great. Where'd you guys.

meet? In the military. Oh, we're in the. same unit. Huh? We're in the same unit. Are you able to be in the military. without other people in the. military? I'm technically never in the. military. I show up like three days a month, so I. don't know what the that's supposed to. mean. Well, thank goodness you get disability. for the rest of your life. Yeah. $123 is your minimum monthly payment.

Okay. So, this better be a really comfy. night's sleep that you guys get. Yeah. That wasn't bought with me. That was bought with her ex-wife. Oh, for sake. Yeah. Well, who has it? Well, we do hate it. You have it. We have it. I sleep on it every night. And you hate. it. Hate it. Why? It's so because it. wasn't bought with me. There's comfy or. not. Previous stains that I'm sleeping. on. Are there?

You don't look. It's You don't spend. $8,000 on a m This is the I'm saying. like I Okay. Yeah. My spending a cruise, but it's like $80, $200 there. But who. buys an $8,000 mattress? They did. Um. it's a 0% interest. Could never. Well, you wouldn't be close. Yes. But even if. we were together and she h it's there's. been instances where she's tried to make. ridiculous purchases like that and I say. no cuz it's she listens not justifiable.

half the time. Well, what the are. we going how are we going to make it to. the end then? Okay. So, you have to sleep on the ex's. mattress. Well, good. I'd rather you. have the asset than not. Is it. comfortable? It's fine. Okay. I wouldn't. have paid that much for it. Probably. not. Mattresses are overpriced, but you. get better deals online typically. I. mean, she went into a mattress firm. That's when you know it's. bad. And you deal with a salesperson at. mattress firm. She She's so great. Which.

one? What are you talking about? Okay, so we're already feeling weird. about our current wife. Okay, this is. It's not weird. It's just hard to tell. This is going to go so well sometimes. This is going to go so well. This. whole existence you guys have together. is going to go so well. All right, what. do we have here? GECU. 16.85% balance. 14,622. What is this? Please tell me.

this is like aing car or something. It's. a loan. Is this a loan? Just a loan? The. consolidation loan for who? For her. Oh. my gosh. She's She needs She needs to be. here. She needs to be here. Okay. Well, tell the president that. What? What is. he making her do? I I don't know. Well, she works for him, so she can't just up. and leave. Did they have to get the. travel? She's not deployed, right? She's not. deployed. She can't leave. She's on. mission. Oh, she's on mission. Mhm.

Okay, fine. Okay. Personal. loan $14,622.60. 16.85% interest. This is soing crazy, man. What's even the minimum monthly payment? Like it's 40. Yeah, it's 402. Okay, I. was close. Relax.

I'm I'm I'm basically done with you. I'm in 62. cents. This pen sucks. We took it out to. pay off her credit cards. We Well, I had. a hand in the decision. It was my idea. and I thought it was a great. idea had we not kept the same behavior,

but we. did. Oh, and also we spent like $2,000. on. Christmas. We hosted it was our first. married Christmas together. Andrew last. Okay, that doesn't mean. anything. Who cares? It means something. if it's the last. I don't know, man. I' I've honestly just. given up here. I mean, I don't This is. This is. crazy. You're kind of crazy.

You just now figure that out? No. No. I just unfortunately have to sit. here. What? Are you having a great time? No, I'm having a great time. Okay. So, you're bullshitting this. So, you. actually don't give a Oh, I'm waiting. for you to give me substance. You don't. give a. single You don't give a. single You don't care. So shut the.

up. Okay? If you don't give a I'm. not spending time with. you. If you don't give a I'm not. spending time with you. Okay, I'm done. I'm over this. You honestly kind of a. You. honestly not receptive.

You can't hold down one person. You are. not teaching good life skills to your. kids. You are going to be financially. for the rest of your life and I'm done. And the fact that you're just enjoying. this. Oh great. I don't give a go be in. poverty. If that's where you're going to. end up, that's your choice. I wanted to. do a wakeup call. I wanted to give you. recommendations. I.

wanted I wanted. I wanted to try something. You're not. receptive. You're done. How what am I. supposed to see? You're not even giving. me anything. You wouldn't let me get. there. And I told you things you. shouldn't be spending on. And you. wouldn't listen. I told you I would. You. wouldn'ting listen. You wouldn't listen. You wouldn'ting listen. I'm going to do. a laugh. I'm going to do a lap. I'm. going to go get a drink. All I've been. doing is listen. So,

I'm going to go. I don't like you. We don't necessarily. host the best of the best in. Civilization. I know you're not looking. at me. We're behind a payw wall now. Can. you tell us how many people you were. with while you were married? How many? Okay, seriously, it could be worse. Did.

you really just give me a It could have. been worse when it came to cheating. You're a bad person. I have nothing to. back this up. I am not a bad person. You're a cheater. You're a bad person. That's not fair. Are you in a. relationship? Good for you. To watch the financial. audit post show, click the join button. below.