Financial Audit's Craziest Divorce

She went and filed some charges on me. for some domestic stuff. >> What did she say? >> That I pushed her. >> He was drinking and driving with the. kids in the car. >> In the conclusion, >> my attorney told me that there was a. warrant out for my arrest. >> Why am I Oh, you went to jail. Why are. you sending all this to You said friend. Were we not sending friends this? >> Yeah, but. >> here. >> Would you be insulted if she sent nudes. to another guy? >> Very. >> That's dumb. That mindset is. dumb. I just launched Liquid. Assets, [music] my official Gamers Ups. flavor, raspberry apple, at less than 40.

cents a serving. It's also zero sugar. and under one calorie. Use code Caleb. for 10% off your entire order. Oh, and. one out of every 10 tubs has my face. printed right on it. Grab liquid assets. at gamersubs.gg/caleb. or at the link in the description and. pin comment below. This is the best drop. gamersubs has ever run. Link in the. description. This is Virginia. I'm 26. >> And I'm Tony. And I'm [music] 28. And. we're from Waco, Texas.

>> And this is Financial Audit. >> Hey, thanks for coming to Austin, guys. Happy to have you. I'm Virginia. What do. you do in Waco, Texas for a living? >> I am a patient care technician at a. dialysis clinic. >> Sure. I hope you make money. Do you make. money? What do you make? >> I make 2214. an hour right now. >> Okay. You didn't seem confident in that. number, but then you gave a very exact. scent. >> Yes, because I'm supposed We were. supposed to have raises put in on. Monday, but they didn't put them in yet. >> Well, what's it going to be? Do you know.

what you're going to make? I. >> have no clue. That's I. >> How do you not know what you're going to. make? >> Because they didn't tell me how much of. a raise I was getting. >> Okay, maybe you didn't get a raise. So, what is your How many hours a week? >> Uh, on average probably 44, but it kind. of varies. >> Cool. What's your per per paycheck pay? >> I want to see. >> And hopefully it's going up again. We. just don't know how much. It's probably. going to be like a 2% 3% thing. >> Yeah, I'm hoping for five, but. >> right now it's about four weeks. >> 1,400 every two weeks. >> 1,400 every two weeks. Good. So, Tony,

>> I uh I do field service on on. compressors and such. Uh I make. >> more trades related. Yes. Could be more. money. Let's see. >> I make 70k a year, but I I pay a lot in. uh child support. And so my bring home. is uh. >> Well, that was your fault. That's not. your job. Your job's good. Trades are. good. >> Yeah, that's all me. The uh. >> Why you dumping loads, dude? >> Are you guys married? >> No, not yet. >> Are you going to get married? >> Yes. >> Yes. Next year.

>> How many times have you been married? >> Twice. Oh, >> okay. You're 28th. [laughter]. >> We're going to be You're giggling about. that. That would actually make me. incredibly nervous. >> I've also been married one time before. >> What the is wrong with you guys? You're. 26, dude. >> Yeah. What? What the is wrong with. you? >> I'm going to. >> How have you guys been married this many. times? >> Uh, I had a bad problem with thinking. with my little head instead of the big. one. >> Yeah, I don't get married based on a. penis. I faced on a penis. I don't.

propose with my penis. >> The second are you talking about. >> was I was coerced. Not like coerced. coerced, but like she. >> Oh, I was coerced except for, you know, I wasn't actually really coarse. What. the What are you saying? >> She was pushing me and just. >> That's what you say. No. Yeah, it was. >> Well, you goted into marriage. >> No, I was just uh I was in a bad spot. because of the the first divorce. It was. pretty short after that. It was bang. bang. Pretty short timeline. >> So short literally. >> like the just you know a few months well. probably a month after it happened.

>> Oh, how long have you been divorced. since your last divorce? >> What has it been? Okay, that's kind Are. you guys engaged? >> Yes. >> Okay, that's kind of bang bang again. >> How have you not learned this lesson? This is insane. What is wrong with you. guys? How long were you with your first? >> We were together for about 7 years. >> When did you get married? How old were. you? >> Uh 19. >> Uhhuh. >> Oh, I didn't know that. >> I never like looked at the timeline. So, I never knew.

>> Okay. How long were you with your. second? >> Uh about a year. The entire We got. married within 4 months of knowing each. other. >> Why are you having so many kids? That. was with my high school sweetheart. >> I guess you were together for a while. So that the. >> that's ultimately what led to the first. marriage. >> Why'd you get divorced? >> I was cheating on her. >> THOUGHT ABOUT KILLING MYSELF. >> This show you didn't know that and. nobody [laughter].

Oh, giggle about how you're giggling. about cheating on his first wife when. you're about to be his third. >> Yeah. I uh I also didn't actually know. that's why they broke up. I knew they. were. >> What the You're learning about that now? >> Back and forth on each other for a. little bit. Um I don't remember if you. were. >> Tony, what'd you do? What was happening? >> I was uh just off working on the road. and uh. >> Huh. >> Uh I was traveling for work. I was doing. wind turbines. >> Blizzards. >> No, no, no, no, no, no, no. Just Tinder.

Um going on dates cuz I would be in the. area for 3 to 6 months and uh. >> Oh my gosh. But why didn't you just like. try to do like open or just break up or. something? You had kids with this woman. >> Why didn't you like ask permission or. something? Cuz I'd get it 6 months. constantly somewhere. I mean, yeah, I. would struggle. >> Uh, she definitely wasn't open to it. Um, >> well, do did you talk about it? >> No. Like, >> you don't know. But either way, even if. she wasn't, if she isn't, then if you're. a loyal husband, don't. How How often.

are you. >> It only happened a couple times. >> Uh-huh. How many years then? >> That was like all right at the the end. I went out on the wind turbines and. within 6 months we separated. Um. >> what the How'd she find out? >> Uh show in adultery. >> The uh crazy. >> my Snapchat had my first and last name. on it and one of the girls looked me up. on Facebook and saw our uh our profile. and messaged. >> She outed you. >> Yeah. [gasps]. >> Yeah. You deserve it.

>> Yeah. >> Wow. What happened? Uh, we uh we talked. about it, argued for a while. Um, >> argued, "Oh no, I stuck my dick in. another woman without your permission.". >> Yeah. >> Is it really an argument to be had? >> It was more just like her yelling at me. >> Yeah. >> And uh upset about it. Not so much like. an argument back and forth. And then uh. >> this was two years ago, by the way. >> No. >> Based on Oh, you're right. A year ago. >> No, this was bro. Based on your timeline. of how. >> how Yes. Yes. Absolutely. Based on the. timeline of how long you're with your. second marriage and you said this was.

the end of your first marriage. You only. had a month gap between them two. This. was a year year and a half ago. >> We've been together I think I misspoke. earlier. >> Okay. How long were you guys together so. far? >> We've been together. We've been. together. >> This is two years ago. >> Yeah. That would have been. >> 2 years ago. 2 and a half max. >> 2021. >> What? No, that timeline does not make. sense. >> No, that timeline does not make sense. May I uh uh this this this is I'm I'm. I'm struggling here. No, you're just. trying to make her feel like you're not. going to cheat on her. That's we. separated and we got divorced and then.

uh we got back together after. >> You got back together and then you. cheated again. >> No, I didn't cheat again. But that's. when. >> Okay, hold on. Hold on. Hold on. You. guys You guys have been together for a. year. That's. you. guys. One year. There was a How long have a gap between. you and. >> there's since you started dating her? We. >> since you started dating her in your.

last divorce. >> There was a I would say a four month gap. >> and we've been it's been more than a. year now. >> Yeah. >> But not it's just a few months. >> Maybe like a year and a half if that. >> 4 month gap. Gotcha. And you're with. that ax for a year. X2. one year. There was a one month gap and. you were with her for seven. That was We. were separated for a while. >> How long were you separated?

>> Uh I don't remember exactly how long. >> Come on. >> Oh, that's what I'm trying to think. about, but it was uh. >> Dude, you're with her for 7 years. You. cheated at the end, even with a little. separation. There's only one month. between this and then a year. There was. 4 months before you guys got together. So, here's the thing. I'm talking a year. year one, two, two and a half years. >> We were separated for like a year and a. half, maybe two years, cuz we went. through the whole We were divorced. Everything had happened. And. >> why'd she leave you the second time. then? She would never stop. She had. started dating somebody else and then he. cheated on her and so she came and. started questioning her.

>> I was the other guy in the in that. situation and I didn't know it and so. that's when I left. But it really. >> she was cheating on him with you. >> Yeah. With Yeah. With me and so it. really messed with me and that's why I. just jumped into the relationship with. X2 and it was really just a a rebound. But yeah. >> How many women were you with when you. cheated? >> Uh. >> come on. I think for sure one before we. actually separated. >> No, >> there might have been a second one. before we actually separated. >> No, it's just a long time ago.

>> Not really. It's really not. >> kind of a blur. And there was a lot. right after it happened. >> It's like 4 years. That's probably. closer to three. Dude, the reality is. she didn't even know. She didn't even. know that's why you guys got divorced. She didn't even know. Dude, you're going. to be his third marriage. He's going to. be your second. And he lost his first. marriage cuz he cheated on her with. multiple women. What the Why are. you g Why are you guys guys You met 5. months after his second divorce. His. second divorce was absolutely crazy. You've only been together for a year and.

you're both going to get into your. second and third marriage. What the are. we doing? Why are we Why are we doing. this so quick? When's your marriage? >> The date is October 2027. >> Yeah. >> Okay. You'll give yourself a little more. time there. I can appreciate that. Thank. you don't feel like a rebound. >> Honestly, no. Not. >> I feel more like a rebound. >> Okay. So, why did you get divorced? When. did you get divorced? >> Um, I got divorced in 20.

2024. The the end of 2024. >> Okay. So, like a year, but you've been. together for a year. Whoa, whoa, whoa, whoa. You guys got together immediately. after her divorce. >> Yeah. Well, no, not after her cuz she. got divorced and then she was dating. another guy for a while that she had. moved in. >> No, no. End of 2024, meaning like the. beginning of 2025. You guys have been. together for a year. We're Which means. at the beginning of 2025, if you guys if. you guys got together a year ago from. today. >> Yeah, we started dating 4 months after.

your divorce. Okay. March. 3 months. after your divorce then. >> Did I say the wrong year or something? >> You must have unless she dated a whole. another guy for like a year after the. divorce. >> You must have It must have been ended. 23. Yeah, sorry. Yeah, end of 23. Um, >> why did you get to How long were you. with that man? >> Um, I was with him for 2 months before. we got married. It was your your typical. military marriage. He's deploying. I had. no health insurance. >> It was a win-win. I got health. insurance. He got BAH and separation pay.

while he was deployed. >> We had a lot of fun and partied whenever. he was state side. Came back from. deployment. It wasn't the same. >> What does partying mean? >> We just went out. Well, actually, we. were kind of in the party house. We. threw a bunch of parties, a lot of. drinking, just having fun. >> Honestly, I'm like a probably uh there. was not really a connection honestly. It. was just having fun and then turned into. a. >> How long were you married? >> Uh 2 years.

>> What the Why did you guys get divorced? >> Uh he came back from deployment. It we. kind of realized both that we didn't. connect anymore. It wasn't a a I don't. want to say a real marriage. We were. married, but. >> Oh, yeah. >> There was no genuine connection. We had. nothing to talk to each other about. So, eventually I just uh decided to leave. >> Okay. You left? >> Yeah. >> Did he know? Did you tell him? >> Um, >> you're making it sound like you just. kind of walked away. >> So, he was actually deployed.

>> Uh-huh. >> And um. >> Oh, come on. >> Yes. >> Were you with someone before you broke. up? >> No. >> Really? >> Really? >> REALLY? >> WOW. WOW. I will say I did entertain some military. people. >> What's that? What does that even mean? >> There was there was one night where we. were drinking. We went to Waterburger. There's a guy in the parking lot. My. dogs were in the car. He came to say hi. to the dogs and then we ended up. twosteping in the uh the parking lot at. Waterburger and I was kind of. entertaining him a little bit. >> What's entertaining him?

>> Just talking. >> Okay. That's called talking. >> Yeah. >> Not entertaining. >> We were flirting back and forth on. Snapchat quite a bit. >> Okay. Hey, you sent nudes. >> Yes. >> Okay, so you cheated. Great, dude. This. everyone's a cheater. I'm just convinced. at this point. Everyone's a cheater, guys. Just go open. If you people don't. vibe with open, that's okay. Then don't. then break up or stay together. Be. >> actually have that conversation though. about being open. >> It didn't work. >> Well, there you go. Yeah, you still sent.

nudes, so you cheated. >> True. >> This is true. >> How many people you sent nudes to? >> Just him. Just the one. Huh? >> Both of you, second and third marriage, both cheaters. Why are you confident. this is going to work? >> I I mean, I know I've changed and the. the feelings. >> a couple years. >> Yes. >> Okay. How much did you How How long of a. gap between seeing that other guy you. talked about? And. >> that was a rebound that definitely did. not. >> How long was the gap between him and. him?

>> Between X and uh I mean Tony. Yep. >> Maybe a couple months. >> Well, that's why you feel like a. rebound. >> Yeah. She They broke up around. Valentine's Day and then. >> we started dating in March. >> Okay. So, it was not a couple months. It's like a couple weeks. And by the. way, it's not like Okay, so you learned. stuff in a year because I know what. happened. I was reading over during that. entire conversation we had, which we. didn't know most of that stuff, but we.

do know what happened with that guy. >> He was living in a hotel. >> Mhm. And you just fully funded his life. You let him in your cash up. You gave. him access to your cash up. You were. giving him money. You were just funding. him. Can't tell me you learned your. lesson. It was a year ago. >> Yeah. >> Year ago. You don't know what the are. you guys talking about. >> Well, with that, I learned a lesson. That. >> don't give a guy that's homeless your. cash app. >> Um I I don't know if you would need to. learn a lesson. >> to not let people take advantage of you.

To actually stand up for yourself, set. boundaries. That was a big one. >> Boundaries. Is not letting someone into. your cash app. If you're if we're on the. boundary conversation, you're just a. broken individual. That. >> zero boundaries before this. And then I. think going going through that and. funding him and kind. >> him. How much money did you give him? [sighs]. >> I could I couldn't even tell you. I know. he didn't have a job for several months. I was fixing his resume and turning in. the resume, applying to jobs for him. >> and uh yeah, right around the end he.

finally got a job. And yet you take a. guy where half his money goes to child. support. >> Yeah. >> Cuz he can't keep it in his pants. >> Yeah. >> How much do you own in child support? >> Monthly basis. >> I pay 1,800 every month. >> How old? Oh, what was your pay? >> Uh 70k a year. >> Okay. Now, what do you actually make net. on a monthly basis post child support? >> Um I think it's 24,400 monthly. >> Dude, >> you make less than her because of that. >> What is wrong with you? I can't. Guys,

don't [clears throat] How old are they? Uh, six and eight. Oh, we're going to be. paying for this for a long time. You. have any kids? >> No. >> God bless. Sounds bad, but I'm so glad I. didn't have a kid with that man. >> Well, I'm sure you. canled a couple along the way. Okay. Uh, Okay. So, two kids. You guys are. What the Okay. So, what are what are we. what are we what are we what are we you.

guys are here together? Have you. combined finances? Please tell me no. This point yes and said yes. Guys, you. move so quick [screaming] on everything. You're going to end up in another mess. again. >> At least we're waiting until 2027 to get. married. >> Yes, I am actually glad you're not doing. the not but you've already done the. biggest thing of all, which is comping. finances. So, doesn't evening matter at. that point. What are we doing? Getting a. document signed that has a couple legal. protections and tax benefits. Sure, that'd be great. But other than that,

you guys can combine your finances. Your. life is now interwined in a way that. would take forever to untangle. If. something bad happens, why do you guys. think this will be the one? After you've. popped out babies, you praying for. those. And after you just cheating on. military people, of course, as always. happens, and you other when you're with. a wife of seven years, which is crazy, by the way. Why is this the one? >> No offense. Look at what life has done.

to you guys. You look literally 45 and. the eye bags that you have and the. discoloration around your eyes. It's. like you have cancer or something. Like. something is like you guys have gone. through death and you're not even 30. >> Yeah. I've been working hard a long. time. >> Yeah. I paid child support. >> Yeah. >> And supporting him before I was on child. support. >> Huh. >> I said and I had to support him before I. was on child support. So. >> were you even fully divorced from the. second before you met her? Yeah. Well, no, no, no, no, no. Of course not. >> Sure. [gasps] So, why do you guys think. this couple months is the one?

>> Um, I I can speak for myself and the the. connection that I have with him is so. much stronger and so much better than it. was. >> I understand it's only been a year, but. I mean, >> we've been through honeymoon phase. >> We've been through a lot of a lot of. together as far as. >> figuring out. Uh figuring out finances together was. really big. Um. >> you haven't figured out finances. together. You're on the show where I. figure out your finances for you.

>> This is true. >> So what what have you figured out. together? >> Been through together. >> Navigating co-parenting has been a. whirlwind. It is now good. It's a. wonderful relationship between. everybody. Um. >> and then I guess moving in together, moving out together. >> What? >> Yeah. >> Moved out together. >> Yeah. So, >> when we first moved in, well, we first. started dating. I uh I moved in with her. and her friend. >> You moved in with her. When you first. started dating? >> No. Well, yeah, it was pretty quick.

>> How quick? >> It was in July. >> How do you guys not learn a. lesson? That was like 2 months later. How do you guys not learn a lesson? >> And the crazy part is in the beginning, him and I both were like, "We've rushed. it before. Like, we're not rushing. this time. >> You've rushed everything." Yep. >> You He will literally put a Can you have. babies? >> He will put a baby in you. Are you on birth control? >> Yes. >> What kind? >> The next one on this is that that's a. shot in the arm. >> No, that's the implant. >> Oh, right. Oh, that that's kind of what. I meant. Oh, sorry. There is a shot.

version. You're right. Yes. Okay. Well, that's good. That's like the highest uh. effectiveness. Thank goodness. Okay. I. will I will accept that then. >> Responsible. >> Well, yes. Basic minimum requirement. with what happens between you guys cuz. you guys literally can't control your. impulses. Okay. So over a year, you guys. learned how to do co-parenting, something that would just be required. dating him. By the way, you guys moved. in quickly. You guys are happy in the. honeymoon phase. So that's why you think. this is going to be a forever thing. >> Uh I mean I. >> Do you know your track record?

>> Yeah. And that's a lot of why I wanted. to push the wedding back and and not. >> Why have you combined your finances. already then? >> It's more so we we do it through Capital. One. So we have separate accounts, but. they're combined. We're both secondary. holders on each other. So we can see. each other's finances, but she has her. own debit. >> Why so quick? That is an excellent. question. Uh I think uh back to what I. said about which head I think with. sometimes I don't always. >> So why did you let him move in so quick. if you were both like nah? >> He uh he was struggling to pay his rent.

and his bills. And honestly, we were. >> Wow, that sounds like someone I want to. move in with me. It sounds like I'm. dating a loser who can't figure out his. own on his own. So why am I. supporting Yeah, but we had the. discussion beforehand about his finances. and what was hindering him from having. that. >> What was hindering him? >> Attorney fees. >> I was having to pay for all the divorce. and all the other drama that she brought. up with the divorce. >> What was that? >> Uh she went and filed uh some charges on. me for some domestic stuff. Uh they.

ended up it was all She just. made. >> Was it What did she say? What before you. before we hear the conclusion, what did. she say happened? >> She said. [music]. blast. >> that I pushed her down or something. I. don't know. I don't even remember. >> No. What did she say? >> That I pushed her down. That. >> um she also claimed that he was drinking. and driving with the kids in the car and. specifically said that it was a a. michelada, which I I don't know if you. know what that is, but it has tomato. juice in it. Doesn't really drink. I.

mean, he definitely does not like. tomatoes. So, >> Tony and Tony. >> Yeah. No, that's a I mean, don't get me. wrong, I do drink, but it's not like a. regular thing. Like, I might go have a. couple. >> How would she claim that? >> Because she uh she was just trying to. She's. >> crazy. >> Yeah, she basically she told me right. when we separated that I wasn't going to. see my kids anymore and that was just. kind of an attack at me. >> Why was she claiming you pushed her. down? >> I don't know. >> Okay. In the conclusion, >> uh there I had to go to a divorce.

hearing and so my attorney told me that. there was a warrant out for my arrest. >> Why am I Oh, you went to jail? Yeah. And. so they I went and turned myself in for. it. They dismissed all the charges. Um. >> good. >> And so it's crazy that you can get a. that like unless you like you're Well, no. I guess I I would rather people get. arrested before going through the whole. thing in case people are violent, but. it's so weird. Uh before you're even. charged with it. It's so interesting to. have to go to jail. How long were you in. jail? >> I just spent the night. I went and.

>> It's still crazy. Yeah. It's it's it's a. Yeah, it's a interesting thing how that. happens. Okay. So, you hear a guy that had court fees. for allegedly and turns out didn't, but. allegedly pushed someone down and drove. drunk with his kids and you're like, "Move in?". >> No. See, >> we have different standards. >> This Yeah. >> for people moving in with us. >> Yeah. >> You and me. >> Yeah. Um. I guess I'm not sure how much of that. situation I knew before you moved in. I. don't remember. >> Girl, you didn't even know he cheated on.

his first one and that was the divorce. reason. >> Well, I knew that he cheated, but I. didn't know the reason for the divorce. Crazy. You guys are together now. You're. talking about getting married. You. already have a marriage date on the. calendar. >> Yeah. Well, after. man, and understanding that this. assumed that it was, you know, distance. doesn't always work for everybody. So, I. thought that maybe it was just he was. gone for 6 months. She was at home alone. with the kids and she just didn't want. to do it anymore. >> Mhm. Give me your phone. I'm going to be. real with you. Your debt is not the same. as everyone else's. You've got your own.

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below. >> Okay. So, what's going on today, guys? >> As far as what. >> we have uh. >> just what's going on? >> I'm spending. That's the the spend too. much money. Uh for sure. [applause]. >> Okay. Who's sus? >> That's my brother. >> Okay, that's good. is my best friend's husband. Is a guy I.

play video games with every now and. then. It's been a while since we played. games. >> Okay. Messaging not too many weeks ago. with him on Snapchat with disappearing. messages. Just seeing if uh you know. things are living up. Why are you. sending all this to. >> That was one of my friends from high. school. It's been a long time since I. talked to him. >> He Okay, it it actually has been a. while. That's fair. Your friends from. high school. Jeez. I mean, you're. sending interesting things to your.

friends. >> Yes. >> But okay. Yeah, that was a while ago. Okay. Let's not say friends. Come on. I. mean, you guys are definitely flirting. >> Yeah, but here nothing ever came of of. anything. >> Okay. Let me see your phone. See if we're keeping up uh trends here, guys. If you're a few months into this, listen, I've discovered a lot of things. on my phone. Okay. See, she This is why. you can't listen to her say friends. >> Yeah. >> Yeah. >> That's fine. >> Is that Is that Do we send friends that.

>> like that was a fullon booty cheek, you. know? >> Full on booty cheek. >> Huh? >> So it was in fact a full-on booty cheek. >> Yes, that's what I said. Okay. So I. understand why they're still Why do you. still have them in your Snapchat? >> Well, I mean it sounds like I mean that. for what it's worth that's an older. chat. He saved that. But what concerns. me is the guy that she was just talking. to a few weeks ago that she plays video. games. She was. She says, "That's my. friend who I play video games with.". >> That's. >> if that's what if but if that's what we. call friends, if we're literally sending. full-on ass cheeks to our friends,

>> that starts to concern me. You know what. I mean? >> Mhm. >> I agree. It is concerning. >> Just based on our history. Just based on. our history. I'm not even fully alleging. 100%. I'm just saying based on history. What are we doing? >> Is that. >> Instagram? >> That's. Huh? >> We ride dirt bikes together. >> A friend. >> Yeah. >> Okay. Well, lots of memeage. >> Yeah.

>> To each other. Okay. >> Lots of memes. >> I mean, there's just lots of guys you. are messaging. in here. >> I'm not seeing anything inappropriate. >> Probably maybe a month ago cuz I was at. home bored and I was like, I want to. play. >> Yeah. >> But I don't even know who you're talking. about. >> Okay. He was asking when you were coming. to. >> Oh, that's my that's my friend's. husband. >> Okay. I'm talking to your friend's. husband a lot. Okay. Okay. That's okay. He sent me a message. >> Okay. That's okay.

>> It's okay. What's this paired thing? >> Oh, that's our relationship app. >> Why? >> It gets us talking a little bit more. about what's going on in our lives. rather than just. >> Are you guys struggling? >> No, we started doing that when we first. started dating. >> Just to have different conversations. than your typical. >> getting to know someone conversations. three different questions that it asks. you every day and they're just random. and you answer them and both see what. the other said. >> Okay. So, just based on our history, just based on our history, do we have. any nerves?

>> Cheater. Cheater. >> I know that I haven't done anything. I. think it's concerning that, you know, calling people friends. But, >> well, yeah, if we're sending ash chicks. to friends and then you are talking to. that gamer guy a lot. Come on. Right. I. mean, >> no. >> No. I think I messaged him once and. asked him if he was working. >> Would you play video games with him? >> And I don't really play games anymore. >> Wait, you just said, see, how's the. story changing there? >> It's not changing. I don't play anymore. I I wanted to get back into playing and.

I don't play Call of Duty unless I have. a friend to play with. My best friend. works a 9 to5 Monday through Friday, so. she can't play with me while I'm off. is. a a police officer, so he works the. rotating schedule. So, I never know when. he's going to work. So, I have to ask. him if he's free before we can hop on. the game. And again, I'm not playing by. myself. >> Your phone so far looks. clean on Snapchat.

I can't see the last time Tinder was. downloaded, but it is not downloaded. now. Um, I don't know how to say the last. time it was downloaded, but it is not. downloaded now. And I deleted it after. we uh we agreed to delete like I deleted. my full on account. >> Yeah. Until you guys went official, right? >> Yeah. >> Okay. Okay. I think we're safe. Are you. not nervous? Cuz I would be nervous just. based on our history, how quickly you. guys move, dropping loads and cheating.

You both cheat. Okay. Not nervous. Okay. I think a lot. of what makes me feel better about it is. I've never had the desire to cheat on uh. Virginia and that's. >> Well, you've been together for a year. >> Well, >> wasn't it like seven years into the your. first marriage when you started. cheating? >> Yeah. Um I would say right at the very. beginning there was a different time. that that happened. Um but that was when. we were still in high school like right. >> high school is forever. It's different. >> Um and then everybody that like I dated.

or entertained after that I. >> Why do you guys keep saying entertained? So, what are you performers? >> I wasn't having a a relationship, but. I'm not sure how they felt about the. what we were doing. >> They probably all thought you were. >> on the road to a relationship. >> Okay. So, what are we talking about. today then? You all have combined your. finances. Some way too early in my opinion, especially with just how quick you guys. move. So, what's going on? Um, also try. to find out what she's got a whole.

separate account that she puts $600 into. every month that I don't get to see. >> Why if we're combining to get like eyes. on everything, why is there a separate. $600 a month account? >> So, I mean, in the beginning when we put. all of our finances together, I think it. was like maybe four to six months of us. being together where we decided to have. access to each other's bank accounts. I. thought it was a safe idea to go ahead. and have a little bit set aside for. myself and then I never changed it.

>> Uh I asked her to see it and she just. kind of brushed it off and changed the. subject and said she'd rather not. >> Weird. >> I don't I don't think you've ever. actually asked to see it. But. >> he just said he did. >> I I mean it's just it's a lot of the. charges on that account that I get mad. at him for. So. >> Huh. >> Yeah. So like. >> No, no. What? What is the does that even. mean? >> Like gas station, fast food, stuff like. that. That's that's my that's my bad bad.

account where I just spend. money. >> So, backstory, she was watching the show. first and she was telling me how I was. messing up on my finances and so I. started watching too. Um, but then, you. know, come to find out she was doing all. of the exact same things and just hiding. it from me while getting on to me for. doing it. Well, would it make you feel. better or worse that she literally out. of all the statements she sent did not. send us this statement? >> Why? >> We got a statement for everything. Does.

not say that she couldn't get it. But. we'll send screenshots. >> I I it told me specifically not to send. screenshots unless it was. >> unless you could have statements. >> I I didn't see that. >> or something, right? >> I thought it was just if it was like a. what is it like after see it? I mean, that's pretty easy, right? >> Yeah. >> Does this cause drama? >> A little bit. But I I don't know. It's. also, >> you know, she's It's her paycheck going.

into it. So, I guess. >> But if we agreed to go combine so we. could all get eyes on it, if she has to. get eyes on you, it's weird that she's. hiding something. >> I agree. >> It's also weird that she didn't send a. screenshot or something. >> This is 300 bucks. That's the one you. spoke $300 in. >> That's from today. >> Okay. She So she put 300 in today, >> but it it auto like I have direct. deposit 300 in. >> So when you when you stop in Dollar. General, get $11 of stuff. What are you. getting? >> That was dog food and dog toys, but I. used cash and then I spent the rest of.

my card. >> Okay. Well, that also becomes difficult. when things are in cash. >> It's hard to track cash. Uh Kingwood bows. What is that? >> Uh I don't know. Uh, I did get a coffee. the other day. >> Well, it looks like some kind of. >> It was a coffee and a. >> restaurant or something. I mean, it's 15. bucks and 15. >> $15. >> Oh, it's 15. >> I spent3 $4 at the gas station. >> Yeah, it was a bowl and a coffee.

>> Well, $30 at Panda Express, but you're. getting on his ass for a couple dollars. at the gas. >> $30 Panda Express was for me and for. him. I brought it home to him. Okay, that's still I'm like I'll stop at the. gas station, spend3 $4 on a on an energy. drink or maybe $4 on some taquitos. >> You agreed to go to Panda Express. I ask. you if you want food, you say you want. Panda Express cuz you don't want to cook. anything and I'm going to get home late. So, I got Panda Express for both of us. to eat. >> I don't know. Okay. Uh $102 in.

Marshalls. Old Navy $57. >> I lost weight, so I have to buy new. clothes. How much did you lose? >> Uh I think from the beginning probably. 30 30 40 lbs. So. >> Okay, that's good. Congratulations. >> Thanks. >> Uh Old Navy. >> That Yeah, that's my my paycheck. >> So 100 out there. Some pets. I mean it's. I mean it's. >> What are you getting at PetSmart? >> Some some. >> I had to buy that that big ass dog a.

kennel. >> That's right. >> Or some Uh I mean 20 bucks at. Chick-fil-A there. Some some. not It's it's it's a mixture. of both. It's a mixture of both. >> Yeah. >> Wings and more $44. Farmhouse frozen. yogurt $22. Farmhouse frozen yogurt $7. Chuck-E-Cheese $67. >> I had the kids that day. >> Uh-huh. This is ridiculous. >> It's a lot of spend. >> I had the kids and I was already in. Brian. What was I supposed to do? Take.

them home? >> No. The thing that concerns me. >> There's a park right down the road. So, I'm supposed to drive an hour back home, hang out with them at home just to drive. them back the same day. That makes no. sense. >> There's a park right by their house, too. >> Yeah. And we went to the park and it was. hot. They didn't want to be there. anymore. >> There's literally a splash pad. >> I'm aware of that. I tried to get them. to play in the splash pad and they. didn't want to. >> They wanted That's That's why you're the. parent and you you make a decision. The. thing that concerns me though is like if. in the relationship you're railing on. him for spending money, which.

is relatively fair, but then you hide. your own, that dynamic just becomes kind. of it's a little manipulative. That was a weird way to say that. [laughter]. >> I I mean, I don't I bought him food. I. went hung out with the kids. I. >> Okay, that was one time, but there was. lots of purchases we just went. over then there. You don't have to spend. whatever it was on clothes. >> Oh, great. None of you should spend. money on But the thing Well, okay, the clothes thing she she lost. weight.

>> Well, I mean, you do need clothes, but. you don't have to go spend $100. It's. It's a. >> You know, it's Marshalls. >> It's literally Marshalls. >> $100 at Marshalls goes way further than. if I just went to the mall and decided. I'm going to buy jeans today. It'd be a. hundred bucks for one pair of jeans. >> So, what I'm saying? Like, that's. >> I literally got so many pairs of shorts. I got some tank tops. I think. >> guys, that's not the issue that I'm. bringing up. Why go so hard on him for. spending money on which again, I think that part with in general is. okay. But if you are hiding your money.

that you are spending on, >> I understand I spend money on. but he is the criticism. That's not the. criticism. The criticism is why do you. get to rail on him for his. spending when you hide yours? >> Cuz I feel like his is worse. >> Is that true? >> Uh, I don't think so. I I think we're. about equivalent. The gas station. just really adds up. Really adds up. He'll be like, "Well, it's only $3.". Yeah, $3 four times a day. >> No, I agree. That's bad. But why do you. get to criticize that if you are hiding. your spending?

>> I I mean, it's not like I'm hiding. >> Who's the responsible one here? >> She is. >> Yeah. >> As far as she's she's better at. >> I keep track of the payments, when. they're going to come in, when they're. going to go out. So, that's that's my my. little tidbit of responsibility. >> Okay. Well, in the pre-in he called. himself the responsible one, but. >> uh. I would say of lately, but she's. definitely been been blowing money left. and right, and I've been trying to do.

better. Uh been just today we went and. got well, McDonald's. >> McDonald's. >> But what's the dynamic and stuff? >> What's our communication around. finances? >> We talk about it. Um, we sit down and. and look at it and we agree on a budget. and then neither one of us sticks to it. >> No. >> Why? Oh, >> no. The last time that we talked about. money, it kind of went more like that. But before we decided to like sit down. and attack it 100% together, it was I.

refused to open the bank account because. Face ID takes too long. So, he never. knows how much he's spending. Literally. will overdraft in his checkings account. while he has money sitting over there in. his savings account. And it doesn't make. sense to me. If you have money, why are. you overdrafting in your account? Oh, because my Face ID takes too long. I. It's Face ID. >> It's not that the Face ID takes too. long. It's that I drive a lot and so if. I'm trying to drive and check the bank. account, >> that's where Face ID literally comes in. handy. >> The Face ID when it doesn't work, then.

it goes over and then you got to. manually type in the password. And so. that's aggravating and I don't do it. So, I put it. >> overdraft. I just. >> That makes sense. >> Yeah. You know, I can't make it make. sense, but it uh it does happen and I it. is what it is. >> No, it's not. It is what it is. That's. your lazy. >> literally never looks at the bank. account. >> We'll never know how much money is going. in or coming out. >> When she's looking. >> Well, so that if you can spend it or. not. >> Exactly. >> Right. >> See, that was my thing with my question.

>> With my spending, I know how. much is in the account and I know how. much I can afford to spend. He doesn't. look. He doesn't know. And then next. thing you know, he's negative. She did. an overdraft. That is true. >> Negative something dollars. Why do I. hear that? You want to give him an. allowance or something? Wouldn't that. just be further enabling that behavior. of him not learning? What is this? You. wanting to give him an allowance? >> So, the conversations that we had were. that he's better with cash because he'll. keep track of how much cash he has cuz. it's right there in his hand instead of. having to open an app and use Face ID.

So, the idea was to to let him have x. amount of money from every paycheck that. we get. And we get paid opposite weeks, so it'd be. >> Why do you need her to be mommy? >> Um, >> what the is this? Can you not man up, dude? You're older than her. >> And I was also supposed to tell him how. much he's allowed to spend each time we. get paid. [snorts]. >> Why do you need mommy? >> I don't think that I need a mommy. I. just don't want to deal with it. >> That's you needing mommy. Why can't you. grow up and be an adult where you have. to deal with it? Cuz you have to deal. with it. You need to be a adult. Uh, I.

think it just stems a lot from I made. really good money for a while and just. didn't have to look and knew that it was. there. >> Hey, guess what? Things have changed. How long has it been since it changed? >> Uh, about a year now. >> Okay, then why do you need mommy? >> I I don't think that I do. I think I. would just rather rather that she did do. it. So that way I didn't have to. >> Is that how you want your marriage to. be? >> No. No. >> Okay, then what the are we doing here, guys? This is why we take time before we. go into a marriage, before we move into. each other, before we combine finances.

You didn't know this. You're learning it. now on the ground. >> in the moment. >> Didn't evening know why they got. divorced, dude. I mean, come on. >> I'm trying to get him to be be better. And honestly, >> well, guess what? He just said he. doesn't want to and he wants you to. control it. So, what the do we do with. that? Huh? >> Give him an allowance. >> No, you're literally just enabling his. behavior. [laughter] You're okay with. that? Cuz that is you being mommy. >> At least At least it is a set amount. that he can spend and it's not just. >> You're okay with being. okay with being mommy? That's pathetic.

How How are you not embarrassed? >> At least it's his money too this time. >> That's embarrassing. How are you not. embarrassed? He is a father of children. >> Mhm. [clears throat]. >> And you have to mother him and you're. okay with that for the rest of your. life. >> Just in the finance area because he just. doesn't look. >> I feel like I take care of most of the. rest of everything else. And so. >> what's that? >> Like the the taking care of the house. and the dogs and all that stuff. phone. You know, >> he honestly does do more around the. house and with the dogs than I do,

>> dude. Dogs are easy. >> Yeah, but I'm not saying. >> are we talking about here? >> I'm not saying that it is a lot. I'm. just saying. >> this is financial communication. This is. going to determine one of the leading. causes for divorce in this country for. the rest of your lives and temporary. marriage. >> It's uh. >> hopefully not temporary. >> I'm going off of just the trend. >> that and another thing is is in my. previous marriage it was, you know, she. didn't work while we were together. because she was taking care of the kids. And so the uh the dynamic there.

>> um the dynamic there was 100% I was. making the money and she was taking care. of the finances and she handled it. She. paid the bills and she just managed the. money. So I was very accustomed to that. from a previous relationship. And so I. still kind of have that expectation. I. went straight from that to having money. and not looking and just I had money so. I just swiped it. And then I had no. money and so I just wasn't swiping. And. then now you know I'm back to making. money. >> I just want her to take care of you. This is so It's so weird. I mean, I have. in your notes that Well, I mean, you.

feel like you have to mother him. So, I. mean, that's and that's obviously as. clear as day. But that that you feel. like she doesn't respect your opinion. What does that even mean? And even. why should she? If she has to give you. an allowance, why the should she. respect your opinion? What opinion do. you get to have? I uh I I. >> I think I have good opinions. Honestly, I. >> Oh, there's a guy who won't even look at.

his own bank account. Tell me tell me. about this. >> uh about paying down our debt and uh you. know trying to I'm not s That's exactly. what I'm telling you is that we've sat. down and talked about this things and we. just not stuck to it. That it's not a a. matter of that we haven't tried but we. just don't actually try when we discuss. it. I feel like before I was trying. >> and that's I I did spend a long time of. like trying to actually better my. credit, better stuff and then I just. fell off. >> Why?

>> Just wanted to. >> self assess. >> It was just wanting to go party. Wanted. to have fun. Want. >> what is this? What is this? You guys go. party thing. You That's You brought up. party. He's bringing a party. What is. this? What dude? You're 28. What are you. doing going partying? >> Oh, that's not anymore. This was when I. was working like traveling on the road. That was all I was doing. >> Okay, that's so long ago. We're talking. about today. >> Oh, yeah. Today. Now I'm just. >> doesn't listen to your opinion. >> because I'm still. >> What opinion? >> No, we should pay down. >> about paying off the debts. >> Like how would you even look at the You. don't even know the finances of the. house.

>> You don't even know. How can you even. have an educated opinion? >> Because you know she went and bought a. truck. Um. >> I thought you were the responsible one. >> Okay. Uh so. >> I had a truck already. So, it's not like. we actually. >> First of all, I was like 4 months into. us dating and he was like, "Oh, you can. use my truck whenever." But, okay. So, I. bought a dirt bike. >> and I needed a truck to transport the. dirt bike. off. He said, "You can use his. truck whenever.". >> I told her it was a bad idea.

>> I was dating him for like 4 months. I. cannot trust within 4 months that I'm. just going to use his truck whenever I. want and he's going to have no problem. with it. >> And so, >> that doesn't make sense. even if not. what I my advice to her for that was is. you have a car that you just finished. paying off instead of buying a truck, use mine and just put the the truck. payment that you're willing to make into. a savings account. That way you have a. down payment if something does happen. and we break up and you don't have my. truck or something, you know, for any. reason like it and then she doesn't want. to do that. That's stuff like that and. then she doesn't actually listen to the.

advice. >> Four months in for what it's worth. So I. mean but even still it was probably it. was a stupid choice for sure. Yes, >> definitely. How much will that ring? >> 120. >> Okay. So, how do the conversations go. then? A financial conversation happens. What's the topic? How does it go in this. house? >> Mostly her bitching at me about spending. too much at the gas stations. >> And what do you do? >> Tell her get me cash and I I'll pay. attention more. >> So, it's actually it's less of a. >> And I wouldn't call it an allowance. I.

would say that it's a budgeting. >> He's spending money. >> I wouldn't even just say that. I think. it's his anti- you bitching at him fund. I think that's why he wants it more than. you mothering him. If you're bitching at. him constantly and it's just a miserable. to be around at home. Like, well, yeah, he may as well do the thing that's. a. >> a little less freedom, but at least he. doesn't have to listen to his wife. My. Gamers Up's flavor is finally here. It's. called Liquid Assets, and it tastes like. raspberry, apple, and success. Use.

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at home. We have energy drinks at home. We have drinks at home and. >> yet he just doesn't take them. He just. decides. >> Well, that's fair. Actually, I would nag. and at you. So, I think it's. justified. >> Then it's like the gas station. >> Take it. Be a man. Take it. You were the. problem. She nagged at you. >> Yeah. >> And that's fair. >> You know, I forgot my lunch. It's uh. >> I'm very very. >> forgetful every day forever. >> So often. >> Yeah, it's uh I just It does happen. Sometimes it is. I just don't want to. eat it. That happens sometimes, too.

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off link it is delicious guys check out. my flavor it is so good no more energy. drinks man just like you got to make. your coffee at home and you're on a. budget make your energy drinks at home. what the is wrong with you. >> I even bought a cure egg because I have. I had an espresso machine which honestly. ly the pods I don't know if you know but. the pods for this restaurant is. expensive. >> Yeah but it's still cheap going to. Starbucks. >> to to Facebook marketplace found a cure. egg for like 10 bucks got that. and she still gets coffee from wherever. it is that she goes.

>> No my coffee is free. I don't ever pay. for my own coffee. Well I lied. I did. pay for coffee the other day. >> Did we just see it? Yeah, we saw it. literally. >> There's one coffee every time I get in. her truck there's a there's some kind. some kind of cup from somewhere. >> because somebody else at work buys me a. coffee. >> Yeah. And if if that then it's fine if. someone else at work coffee, >> huh? >> Then more friends. >> Uh, >> yes. All of my my co-workers. >> I don't know. Yeah. I mean, you both are. cheaters. Like, I would have a hard. time. >> Trust me. >> I would. That's fair. Come on. Couple.

years into this thing, you guys are. fighting about money. >> Yeah. Someone's going to go stick it in. >> You can literally look and see how long. ago it was that I've messaged him. You. can also go look at his Facebook account. right now and see that he's engaged as. well. >> That doesn't stop. It's weird that you. know that and that y'all still, you. know, are on Snapchat. >> because I mean we were friends, don't. get me wrong. There was like a weird. little period where. >> we were both flirting with each other. and nothing. >> guy you play games with. >> No, not.

>> that's who you're talking to though. And. you call him a friend. >> Oh, no. Nothing. >> We know what you do with your friends. >> I've never like met in person. We're. from the same. >> It doesn't matter. Your first cheating. was sending nudes. I'm telling you. >> Would you be insulted if she sent nudes. to another guy? >> Very. >> Okay. See, then you don't have to meet. him. >> Then I I mean, I don't understand. I. don't. >> I hope not. You guys don't have a good. track record. >> I don't, >> you know, yellow flags in yours, no red. flags or anything in yours. But again,

I'm not saying you are now, but just. based on what happened last time where. you guys are, you know, in like weird. marriages, things are going hard. You. guys don't fix your finances. You guys. continue to argue, push blame on each. other. two years into this leading cause. for divorce finances. You guys are. arguing all the time. Someone's going to. get it stuck in or stick something in. somewhere. I mean, that's just your. guys' natural reaction is to cheat. That's what both of you did. It's like. your natural reactions when things are. not easy. You you lash out by. >> I think that uh I I feel a little bit.

like I' I've grown out of that. >> maybe, but I doubt it. I mean, you're a. guy with a penis. >> Yeah. >> You're paying child support and you're a. woman with a like you want to get. it filled. It's what happens every time. Like this is this is not that's your. guys's past. What do we think our. household financial score is today? Zero. out of 10 or 0 to 10. Zero being the. absolute worst is 10 being the best. >> Maybe a one may maybe a one and a half. I'll be generous. >> I'll go five. >> Guys, we have revamped the Hammer. financial score. If you got it before,

see the more accurate version now. Hammer.com. It is free. It just takes a. few minutes to take and you can see. where you stand in the world of money, where you're doing poorly, what you need. to do to improve your finances, and what. you're already doing great. And if you. don't want to be like a guest who ends. up on this show, guys, make sure to. download the Dollarise budgeting app, take the free trial, and if you like it, most people take the annual version cuz. they save a lot of money and you get the. physical version of my 30-day meal plan. signed by me, mailed directly to you, and the digital version of our cookbook. Check that out. All those links below. All right, guys. [sighs].

Let's see. I have a checking account. first. That's rare. That means. something's kind of What am I looking at. here? Capital One. >> Probably both of us. Oh, >> is this the combined? >> That might be the combined one. I'm. assuming it's the combined one. >> I have two checkings and two savings on. this Capital One. >> Okay. Okay. See what the are we doing. here? Why are we purchasing on Amazon if. the account is negative? Why are we. purchasing from the corner market $541? What is that? Energy drink. That looks. like an energy drink. If the account is.

negative, dude, >> I just. >> The account is negative. Huh? >> I wasn't looking. I had no clue. >> That's pathetic. Grow up. Stadium concessions. We're purchasing. $31.50. Who did it? >> Probably both of us. It's probably beer. >> Well, hey, you're the looker. You're the. responsible one. You were negative. >> Yeah. >> Negative. >> Yep. Why were you purchasing $32 from.

concessions if you were negative. responsible one adult mother? >> We were at a uh a football game and it. was really hot. >> Wow. That changes it. >> It was really hot. You can't bring. outside drinks into a football game. >> Wow. So, we should purchase while we're. negative. >> I'm not saying we should have purchased. when we were negative. >> I thought you were the responsible one. I thought you were mother. Mother, >> if I need a drink and it's hot outside. in Texas, I'm going to get a drink. >> You guys got more than a drink. It was. $32. >> Probably some snacks in there. Probably. some cotton candy or something. >> That's interesting. That's interesting. how it slipped in for our hydration.

>> The kids were with us that day, too. Huh? >> I don't remember. >> Well, who purchased on Amazon for $5146? >> Not me. >> Okay. Why'd you do that when you were. negative? Mother responsible one. Mother, huh? Thought you're the one that looks. at your account. >> No, no, no, no. This is connected to his. card. So, that was not me. >> This account is connected to his card. His card is not on my Amazon. That's all. four of them. >> Huh? The What are we talking about? Okay, we stopped and got an energy.

drink. That's you. Well, negative cuz. you won't look cuz you're pathetic. >> Travel center, $49.40. >> Probably gas. >> Was it? Huh? >> Probably gas. >> Okay. Amazon Prime $811. Well, we're negative. already. >> That was probably the subscription. That's the the price. Tavern $44.17. something tavern. >> wasn't. >> I don't know what that is. >> oh great you the responsible one $44.

well negative that's what pushed it. negative actually. what is wrong with you. >> or no that was the end of the negative. crazy the payroll came in and it saved. you if it wasn't for that you would have. still been negative but you were still. doing. >> that's what he always getting in Dude. what do you talking about? You did. concessions. You did the tavern. I know. >> You did the Amazon spending. Sorry. The. Amazon spending was $9741. Like, what. the is wrong with you? That's while you.

were already negative. >> I'm just saying he lets it go negative. and his his thought process. >> while it was negative. How can you. possibly push blame on this? >> Spend on his card. >> What you just did there stadium and. tavern? >> That's not me. >> Amazon. He says he doesn't purchase on. Amazon. >> I don't. >> Yeah, he does. >> Show me your Amazon then. But his his thought process is, I'd. rather overdraft my bank account because. there's no fees rather than spend on a a. credit card, which end all be all, you. don't have the money, don't spend the.

money. >> In my defense, it is. >> In your defense, >> it is there is no no overdraft fees or. anything like that. And so that's the. main reason that I don't care. >> No, but you likely have a minimum. balance fee. So this isn't possible. He's only had one purchase and it's it. was 1998. So these purchases were you. >> maybe that was a a bookshelf or. something. We did buy a shelf.

>> He has some work stuff in his cart. >> That's not working. >> So pull up your Amazon. >> That's you just got a 3D printer. >> Oh, okay. Don't purchase that stuff, you. freak. >> I uh I got the 3D printer for free. I. just. >> Yeah. >> See you. Not for that amount of money. >> Yes. No one. Okay. There was no other. purchases he could have done that did. that. >> That's a a What is that? Co-angers and. co-hers. >> Shock shock collar. >> We don't shock the dogs. They get.

beefed. We have six acres. >> I like the beep. The beep is good. And. they just get. >> Make sure you turn the shock down to. literally I think it's one's the lowest. setting so that if you accidentally do. it cuz one I felt one you can't even. feel it. >> Yeah. No, it's a the bus are very very. different and they have very good space. >> Bike tires, but you have 11 things in. your cart. >> Oh yeah, I have a lot in my cart right. now. >> I'm really bad. >> Don't get that farmhouse kitchen. >> That's so Batteries. That's okay. You don't need this. >> We almost Spongebob shirt.

You don't need that Spongebob shirt. You. don't need that Spongebob cup. You don't. need that Spongebob shirt. That. Spongebob shirt. The Spongebob violin. You don't need that queen set. You don't. need that queen set. you [laughter]. you nothing's funny. You guys are. literally like on bankruptcy. Your. bankruptcy will be hilarious. The entire. internet will laugh at you. Your divorce. will be hilarious. Your third, your. second. >> I'm just saying the violin would have. been funny. And even in those. situations, >> why is that even funny? What are you. talking about? Shut the button. >> Shut the shut up.

>> So, we got some energy drink cash app. out. Crickets. $37. Crickets. I don't. even know what that is. >> Oh, that's a a restaurant. Why you guys go out so much? This is. crazy. You got energy drink. Energy. drink. Energy drink. Energy drink. Fatty smoke shop. >> vapes. >> Who? >> Both of us. >> What is wrong with you guys? It's always. the Hicks that can't control their. spending. Just vaping their lungs away. Why? Why? Why do you guys do this?

>> Uh addiction. >> Yeah. >> When did you start? Uh, I started vaping. fairly recent. Not recent, but like. within the last few years. I. >> I started started smoking when I was 12. and then I quit from the smoking. cigarettes to the vaping. >> You were dipping sometime in between. there, too. >> Yeah, I was Well, I was dipping at the. same time. I was doing both. >> Ew. >> Uh, ew. To the the dipping. >> Ew. For all of it. >> You're barely better.

>> At least mine. It tastes like blue. raspberry. >> Yeah, you're killing your lungs. >> Ice. >> Shut the up. Dude, you look 40. Look. what you're doing to yourselves. >> You know what? At least I'm having fun. >> Yeah. And you'll die before you're. actually 40. Okay. And you How long? That's my time to How long? >> Uh I probably started when I was 20. >> Why'd you even start at 20? You start at. 12 with him. >> A funny haha joke. Um. >> Oh, just like the violin. It's. hilarious. Let me get. >> hit this without coughing my lungs out.

like you did. And then next thing I. know, I'm out there buying my own vapes. You learn to dance like that. sarcastically. >> Yeah, I guess. >> so. >> What? >> Pretty pretty. >> Yes, I was going to say that's exactly. what you are. We don't need to do 34 $38. on Bath & Body Works or $42 on the. candle box or Earthbound for $40. >> O, >> we can't afford life, guys. What the are. we doing? What the are we doing? Zel and. I are a lot of money travel center, but. that looks like not gas that time.

>> 900 for Zelden. That's just rent. It was. 292. >> Oh, then that was uh utilities. >> Zel, who are you selling? >> My dad. I rent from my dad and the. utilities are in his name. So, I send. the. >> dad. Why? >> What's this? What's your rental. situation? >> It's his property. Uh. >> on his property. Okay. Oh, like a mobile. home? >> Yeah. >> Oh, you guys are just so hicked to the. bone. >> You own the mobile home, though. >> Do you own the mobile home, though?

>> He It's in his name. Diet, man. You. don't have anything. What are you guys. going for you? >> Does he live on the property? >> No. >> Well, okay, that's good. >> It's a It's his property. >> Privacy, right? >> No, I still don't have privacy because. it's his land. It's his house. He'll. just show up whenever. >> I'll just show up to the house. >> How is he showing up? >> His not like he comes in the house or. anything like that. He just shows he has. cows that he puts on the property. what. >> he comes up [laughter]. >> we live on six acres and so we live a. little bit outside of town and so. >> well I would assume cows.

>> and so he just he puts a few of them out. there. >> well how do you like it. >> cuz if we're making goals and stuff yeah. in the middle of nowhere cows dad always. showing up. >> uh no. >> confident she's showing up cuz it is I. mean like I I I love my parents. >> like I get it but like if if they're. just like endlessly showing up it's like. what are we How freently. showing up? But I mean maybe once every. couple weeks and he'll just come and do. random in the yard. We came home.

from a dirt bike when you live on his. property. >> fence in the yard that we had discussed. >> Why do you guys live on his property. then if you hate it? >> I don't hate it. >> Well, she does. Your wife about. >> uh because we pay significantly less in. rent than where we would in uh you know. somewhere else. And plus, at the end of. the day, it's I already know that when. when he passes on that that's getting. left to me, like the property and stuff. like that. >> It doesn't mean you have to live in it.

now. I mean, how far are you guys away. from work? >> Uh, I just walk to my my work van every. day. And. >> he he travels for his job. So, >> what about you? Sounds like you're far. from town. >> Yeah. No, I'm driving an hour and 20. minutes. >> So, she doesn't like living there. because she's far from everything. She's. an hour and 20 from work. Oh, my gas. bill and maintenance on car and the dad. and cows always show up. She doesn't. even want that. Why are you forcing her. to live there? She's your wife about to. be. >> I'm not forcing her to live there. >> I can't agree that it is cheaper. And I.

can appreciate the fact that we have. what we have for. >> what she spent on gas a month. >> A lot. And that's what I was. >> How much? How much? >> I want to say probably 600 bucks. >> Okay. See, imagine if half of that went. to rent combined what what you're giving. your dad, you could live in. civilization. >> But he's convinced that if we move off. of this land and out of this house, so. he lived there previously. Then he moved. in with me. He's convinced if we move. out of that again that his family will. disown him and he won't get the land. anymore. >> It's your dad's property. Why would he. do that? >> Cuz.

I know that he doesn't want to sell it. And so but it would put him where if he. was having to make the payments where he. would have to sell it. The whole reason. that he got put there was to help me. out. >> Oh my goodness. Why the does he have it. if he can't pay for it? He's doing. cattle on there. He's not making money. >> The the property. This the house. the. >> Oh, the the payment on the single line. >> He owns the property. We've had the. prop. Well, the the family's had. property paid off. Okay. >> Yeah. And so, >> well, then yeah, he can get rid of the. single house. Who cares? >> It's not what you guys want to live in. when you move there anyway. Who would?

>> Depreciating asset. So, he can't sell it. right now without going upside down. And. that's the issue. >> Well, that's fine. Cover the difference. How much would the difference be? >> I I haven't looked into it. >> He refuses to look into it. Yeah, it's. not that I've asked them to about it, but they just every time they get real. back offish like they don't want to. discuss. >> I've actually asked them about it. >> I've asked like is there ways that we. can go about getting out of it because I. don't want. >> I'm going to call them in the post show. and we're going to deal with this so. your future wife can actually have a. little bit of breathing room. My. goodness, this is insane. Yeah, I'm sure.

it'll be contentious, but I'm good at. contentious. I just yell energy drink. Energy drink. McDonald's. We. can't say we can't afford if we're. just doing this every like literally. once or twice a day. This is insane. Energy drink or Uh cash app. $35. Energy drink. Energy drink. She Oh. Oh, good. Why not? A whole other page of. Dairy Queen. Pandora jewelry. Got the ring. >> That was my ring.

>> Jeez. You got the ring like 6 months in, 7 months in. >> No, that would have been. >> When did you guys start dating? March of. 25. >> Okay. So, okay. Almost a full year. Supplements. Supplements. Cash App 30. bucks. Energy drink. Maybe. Maybe not. Hard to tell. Energy drink. Game Pass 32 bucks. Energy drink. Energy drink. Cash app out. Cash app out. Jewelry and. more. >> It's a lot of cash app.

>> It is. Where's it all going? It's like. 30 bucks. 30 bucks. 30 bucks. 30 bucks. Who's it going to? >> It's probably uh loan repayments. >> Cash. Oh my goodness. I'm going to need. to see your cash app statement. You have. access to his cash app statement. >> No. >> Oh, so we don't have full access to each. to being able to see things. >> She's more. borrowing money from from time. What? >> That's what I'm talking about is. probably the $30. >> Yeah, I found out he was borrowing money. for from Cash App. I had no clue. Uh. whenever a charge for like what was it.

like 300 bucks hit our account and I was. like who who the you cashrapping 300. bucks to like that are you doing? He's. like oh I owe cash app money so they. just take whatever they want to take. whenever they want to take it. I don't. know. Done. >> I had signed up for like a lump sum. repayment instead of drawing it out on. that specific one. >> We we had a a talk about that one. >> Okay. Lots of cash up. Cash App bun slot.

>> food. >> That's a That's a burger place. >> parking. It continues. This is crazy that it. continues. What are we doing? Oh, cuz. there's two checking accounts. So, this. is the other joint checking account, I. guess. Okay. Um, energy drink Microsoft. Game Pass again. So, we have two. different Game Passes. That's great. Pizza Hut vending machine. You're. gaining like an energy drink again. 40. cents, dude. 40 cents. Raspberry. Cherries. Mine. Raspberry apple's mine. Best flavor ever. We'll send you one. when it comes out. It's so good. We.

compared it to like every flavor. We've. tweaking with all these combinations. It. is insane. >> Yeah, that does actually sound really. good. >> It's insane. It's actually insane. Uh, Subway, Amazon. There we go. I'm sure there is like. monthly maintenance because you. don't have enough in there even without. the Oh, he's been big on using Dave. >> He's been using Dave. Do you know that? >> Uh, it just it wasn't something that was. a continued thing and so it never really.

came up. It wasn't like I was hiding it, but I just I never. >> never thought to tell her. >> Had no clue what it was. >> Now I know. Yes. A lot goes to child. support. That's fair. But even still, you're just like why spend so much money. on if you're in like that pay. advance cycle. Like you can get out of. it in a month with just getting half. your energy drinks. >> That's why we're here. That's uh. >> No, you just get half your energy. drinks. What? What am I going to What. the What do I do with that? That's why. you're here. >> Congratulations. That's why you're here. Don't get half energy drinks you get.

>> Congratulations. That's why you're here. Well, you figured it out. >> No, I'm not not that specifically, but. obviously we just, you know, we're. impulsively spending all of our money. and that's why you're here. Don't. impulsively spend all your money. Congratulations. >> A lot of that is I drive a lot. Like I. drive to Dallas every day. >> Good. Buy [clears throat] bulk energy. drinks. Good. Have gamer subs. Make your. own energy drink. It's delicious. a. cooler in his bag. >> You don't even need that, dude. You make. it. It's so cheap. >> We also have like 50 shaker bottles at. home. >> Like, what are we doing then?

Oh, what is this? Oh, okay. One of the angry things that. you were talking about why he's just. never going to escape the cycle is that. you're okay. You're upset of him blowing. the money from his previous cycle. It's. just always in it cuz you got $10,000. from. >> your employer or something, but then you. just blew it. Like what the why why'd. you get $10,000? >> So the I was working for a company and. they uh. >> they got sued in a class action lawsuit.

and I I joined on it and uh. >> join the Morgan and Morgan one by the. way. I think you literally get free. money like the description. Wasn't even. going to plug that but like. >> like almost like everyone's getting free. money from that one. Join it. >> But yeah. No, they uh so they they paid. out for that. >> 10,000, you know. Jeez. How'd you How'd. you 10,000? You know how you make good. money, dude? Where'd it go? >> Mostly attorneys. That was I was making. payments. The attorneys, and that's why. I had no money when we first met, but.

then I used most of that to pay all that. off. >> Yeah, I'd be concerned, too. >> I did definitely blow some money. I. >> He also spent some money upgrading your. truck tires and upgrading your radio. >> Yeah, >> your radio. >> I knew how much he was. >> upgrades a radio. >> Well, it it took it wouldn't turn on. anymore and so I just got. >> It's a radio. >> Plug your phone in. >> It didn't do that. That's what I'm. saying. I got something that would do. that. >> How much did that cost? >> It was like $115 off Amazon.

>> I knew he was getting that amount of. money and we had discussed saving that. amount of money. You guys were together. >> Yes. >> I discussed saving x amount of money. I. don't remember exactly how much it was. that I wanted to set aside. And he was. dead set on buying a dirt bike with it. Dead set on buying a dirt bike. I got. him to to not buy a dirt bike with it. God bless. >> Put it towards like your future wedding. Ladies and gentlemen, I got something. new to help you that we have personally. built right here on caleb.com.

We have three new Caleb financial. resources. They are the ones I would. personally use, which is why we made. them for you to use. As you've already. heard me talk about, personal loans are. okay when you're good at debt. I. personally use them when I can leverage. them for a situation. So, we have good. personal loans on caleb.com. We also. have auto insurance now. You can check. for free and see if you can save a. ton of money on auto insurance. And then. to close it off for now, cuz we're. building more, we have a debt relief.

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ton of money. Starbucks is. and a waste of money and you already. know that by making your coffee at home. and investing the rest. So now you need. to do that with your energy drink as. well. MAKE GAMER SUBS AT HOME FOR JUST. 40 cents a serving. And honestly, it. literally tastes better. And we proved. this accidentally via a blind taste test. in our Hammer Elite show, Fat and. Fatter. >> The number one ranked energy drink is. Gamer. >> Literally, the cherry flavor is insane.

>> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. How much you. going to spend on the wedding next year? Well, you guys are like this. >> Um, hopefully not a lot. My mom is. really uh bulldoging her way in. >> Love her to death, but um. >> Okay, so your dad, her mom, >> I was convinced that we would just go to. an Airbnb. I want to do it in North.

Carolina where my family is. >> Okay, sure. >> So, and plus I love the mountains. Texas. sucks. Landscape here awful. So, I want. to go to the. >> Where in Texas? >> This the only place I've been is like. central Texas. >> Okay. Well, then you're in one place. So, I was going to say cuz you got tall. pines on the east. You got swamps in the. east. You got uh rolling plains in the. panhandle. You got the hill country. here. You got big mountains and desert. in the west. You got national parks in. the west. We have one of the most. diverse states in terms of landscapes. You can get everything in here. So, I.

wouldn't just say that. But you can. still get married in North Carolina. You're just talking about the literal. >> uh Smoky Mountains, which I mean again, you can find diverse topography here. But either way, for the family, I do get. that. >> Yeah. So, um, >> yeah, if you stay in Waco, [clears throat]. surprise, you're not gonna see very. much. >> I've been a little outside and it I. mean, it's still nothing compared to to. North Carolina landscapes, but I. digress. Anyways, >> usually brags. It's not usually the.

place in the country everyone's okay. Sure, Cohen. >> I've driven through there so many times. I mean, >> you're probably just driving through the. city. >> What? No, I've driven through the uh uh. why why are I call them Smoky Mountains? No, the. >> Appalachian. >> Appalachian. Yeah, Appalachian. Mountains. I've driven through them. multiple times. [laughter]. >> Wow. >> Well, how much are you going to spend. for that? >> That's what I'm getting to. I only. wanted to get an Airbnb for a week for. me and him and just go get married in. the backyard because that's cheap. Um my.

mom, however, called me and found this. venue. Um don't get me wrong, it's. cheap. It's 2500 bucks for 3 days, two. nights. I told her no because I don't. want to spend any extra money. I just. want to go to an Airbnb, get married in. the backyard, whatever, whatever. >> And then she called Tony over here and. Tony said, "Oh, yeah, that sounds. great." So, what did my mom do? Put the. deposit down. It was like, "Okay, you. owe this much by this this amount and. this much by this amount.". >> I didn't agree to it knowing that she. had said no. She called and asked me.

what I thought about it and I took that. as we were having. >> You had already said no specifically. >> I said no. >> and so I thought it was just a. discussion about it. >> Tell her to off then. >> Well, now there's already a contract. signed and they did agree to pay for. half of it. >> Almost half. >> Okay. Half of the 25. >> Yeah, >> it's not that much. It's fine. Just do. it. >> And at that point, we would almost spent. that much on an Airbnb. >> Your wedding. If you don't want to do. that specifically, then definitely don't. do it. But. >> and they're going to take care of a lot. of the other stuff that we would have.

had to do on top of it like the chairs, >> the receptions at the same time, >> like having like actual like how much is. it going to cost in the. >> No, that's all included with that. >> We would have to get that on top of the. Airbnb. >> That's still additional because I still. want to keep. >> and so that's why. >> would you want it if you could pay for. it? >> Yeah, >> you can afford it in a year. We could. >> now we can't. >> No, if you were doing it right now, but. it's whatever. I mean, literally, you. spend you spent more than that on. Synchrony this last month. So, it's like.

what are we talking about the. conversation? You don't even Yeah, but. you spend more than that. More than your. half on just that. So, like if we're. talking about affordability, like what. what the could we do here? You literally. just got 2,379. for what? >> Um, so I went and got my glasses and I. used my care credit for it. And then I. went to the dentist and they gave me. this treatment plan and I told them I. had Care Credit. I thought they were. just putting it on the account to like. charge as I went in and did stuff, but. no, they charged the whole amount that I.

had on my care credit for my care. credit. So now I'm in the process of. trying to get refunded, but. >> Well, you better cuz deferred interest. is acrewing and one of them is going to. hit in just a few months. >> Yeah, >> that's going to be hundreds added. That's going to you. >> Okay, but even more critically, >> credit one, which is basically the worst. you can get. >> What the is going on here? Who is this? That's mine. >> Why? What's happening? >> It was to rebuild credit and I didn't. know that it was. >> it was that bad. It was the only thing I. could get approved for. >> No So, probably don't take it if.

it's the only thing you can get approved. for. You'll know it's predatory. >> You didn't know that until adding on. It's horrible. 28.74%. interest rate. >> Now, this thing about the wedding you. said earlier you were talking about. pushing it back. >> No, just not like getting married and. likely. Yeah. >> Okay. >> Oh, >> what? >> I thought that I missed something in the. conversation that he was talking about. just not getting married and I was It.

was a very confusing second. >> Now, why are you all in all this debt, dude? Like, credit builder, but it's all. maxed out. Why are you in the debt? You. didn't purchase on it cuz there's not. really much wiggle room to purchase. $569.92 owed on it with a $30 minimum. payment. Why do you owe? >> Uh only making minimum payments and. still charging on it. I I honestly Let. me Can I. >> Why Why is the balance that high? Why'd. you get into it is what I'm asking.

>> Probably more spending. >> What were we buying? I don't remember. >> If I think I was just surviving off. >> How do you fix anything if you know. nothing? >> I'm pretty sure. >> we were surviving off of my card when we. moved. That was my card. That was before. cuz there's no no recent charges. It's. just maxed out. >> cuz the limit should only be 500. >> I don't know. That's not my card. >> That's not my card. I don't have access. to that card. I don't know how you spend. your money. So, >> but yeah, I uh I also my uh my second.

wife was she had a very bougie. lifestyle, you know, and so I was paying. for that and that ran up a lot of the. the tab. And then. >> you were paying for it on credit one. >> just everything cuz I I had you know. >> how bougie was this lifestyle? What? You. had no input on the lifestyle? >> No, that was just a lot of like very. differences in our lifestyles. She was. very bougie like she had up and say no. >> And I wanted to listen to her. >> Oh, it seems to be a.

common thread in your relationship. So. you have no backbone. You're a. >> No, I wouldn't say that. I would. >> I would say that uh some things aren't. worth arguing about and. >> Well, it seems like everything, including you going into debt. >> Your credit getting ruined is definitely. something to worry about. >> What's your credit score? >> Terrible. >> What's your credit score? >> Oh, five something. I don't know. >> Quicksilver, why are we purchasing on a. card that we cannot fully pay off and. only put minimums to that is acrewing. interest? What are we doing? Who is.

this? >> That's hers. Why? You're the responsible. one. Why are you purchasing on a card. that is acrewing interest that you. cannot fully pay off? I didn't even know it was acuring. interest at that point honestly. Um mean. $37848. minimum monthly payment $25. Then you. should definitely know you should be. tracking it even closely. >> When we moved out of my friend's house, we the whole reason we moved out is. because. >> don't care. Don't care. Still don't. care. I don't care. I don't.

>> What does this have to do with you. seeing Wilder's interest occurring on. this car? >> We had to get furniture. I'm assuming. that's probably what that was. >> That's a gas station. What? >> No, you're just putting gas on a car. that has a great interest that you. cannot pay off. >> What the are you talking about? >> What rambling cope are you. doing to me? >> Then maybe that was Maybe I didn't have. enough money in my account, so I just. swipe my card for gas. But I promise. you, I paid. >> How did you not have enough money in. your account? Responsible one mother. >> Probably because I was spending. on some Well,

>> how are you responsible one mother? I. wouldn't say that I'm super responsible, but I'm more responsible than he is. >> At least I look at the damn account and. I know I don't meant for each other and. this is going to go down in a flaming. mess. >> That's I I really did think that she. would she would tell me that, you know, she's looking at the bank every day and. this is the the arguments that how are. you spending all this money, but you. know, I'm checking the bank and I'm. trying and she was getting on to me for. it, but you know, she's also spending. all the the money in the. >> Okay. Well, I have a Capital One card.

Now, there's no balance in it. So, I'm. not going to write it down. But what. concerns me is there's been a late fee. this year even though you've paid it. off. Why? Why are we having late fees? >> Is that the Is it the Quicksilver or the. >> Platinum? Platinum Secured. Capital One. >> That's me. >> That's you. >> Why is it late? Why are you not on time? Well, are we shocked with your history? No. But what the is going on? >> Probably cuz you didn't look at it. >> Probably. >> Why is autopay not on then? >> If you know you suck. >> that she she set all of that stuff up. for me. She had to set it up for you.

How the is he going to deal with? >> Why do I need to. >> I don't know how he did it before I came. out. >> It's yours. You're a father, dude. >> Yeah. >> How you need your literaling fiance to. set up autopsays for you or else it. won't be done. >> I just don't want understand how. pathetic this is% as a father, as a man, as a partner. >> What is wrong with you? >> I don't think there's anything wrong. with delegating. And that's. >> delegating. It's your card. >> Yeah. And I could delegate the finances.

to her and I thought that that's. >> No. >> Okay. She doesn't want to and she's your. partner. So, what are we doing? >> The thing I stress the most about is. finances. And the fact that you just. want to throw all your finances on top. of everything else onto me. >> sucks. That is dumb. That, you. know, that is the biggest thing that. stresses me out. The biggest thing. that'll get me in a bad mood quick. And. the fact that you refuse to care for it. yourself is awful. It's extremely. irritating and I can't stand it.

>> Well, >> but you're already checking it every. day. Why can't you just tell me? >> Because why the do I have to tell you? You're a grown-up. You're a grown man. Literally, you're a grown man. All it is. is open the app. Face ID. The same Face. ID that you use to unlock your phone. that takes less than 5 seconds to look. >> The issue is not the Face ID. The issue. is when it does not work. I'm not going. to sit there and type out my. >> So then why the don't you even try? >> I literally just try once.

>> If it doesn't work, guess what? Trying. in a couple hours or some I don't. know. It sounds like a bunch of. excuses and it's dumb. And driving. You're not driving 24 hours a day. >> When you stop at the gas station to buy. your little snacky snack, your little. drinky drink. >> Guess what? You have the time right. there. You're stopped. Well, whenever. you look, just say, "Hey, we don't have. the money for you to spend any money. today.". >> I literally have. I've told you we don't. have the money to spend. And guess what? Oh, there's still energy drinks being.

purchased. >> It's a fee free overdraft. >> I don't give a about fee free overdraft. Maybe we should just turn that off. on your card because mine does not allow. me to overdraft. You just overdraft because a it. When the paycheck hits, it won't be. negative anymore. That's dumb. That. mindset is dumb. >> Yeah. >> Think you are a child. Let me just Let's. just say, do you pay your phone bill?

>> No, >> of course not. At 28. Great. Who pays. it? >> Uh, I'm on my parents plan. And it's. more so I just for they they don't ever. ask for it and I don't ever remember to. just say, >> "Of course you would." And you have no. responsibility to save your life. You. live with on your dad's property. You. You've never done anything. You've never. accomplished anything other than coming. instead of a woman. >> Wish it was a woman. >> Huh? >> At least it was a woman. >> Why?

>> Cuz uh his his dad definitely would have. disowned him if it weren't a woman. >> Okay. He's a he's homophobic. >> Uh my dad's just a very staunch Baptist. conservative. Like. >> it would be homophobic. >> Yeah. I I Yeah. I wouldn't say he goes. out of his way to do anything. >> If he came inside men, he just wouldn't. have kids. We wouldn't know. He's. probably come inside men. Who knows? >> No. >> Are you homophobic? >> No. I don't have any problem with people. that are gay. I'm just not into that.

>> Uh, [sighs]. okay. Oh, collections. Who has. collections? >> You have a bad credit guy. >> That's what this is. $1,417. >> I bet you're on your parents' phone. plan. >> That's a lot of why I'm on their phone. plan. >> Oh my gosh. You really can't do. anything. This is pathetic. >> That was uh after the the first divorce, we were had a phone plan together. I. thought that I canceled it, but I guess.

I didn't. Or maybe I don't know. I. really don't. But they kept billing me. and I wasn't using them anymore. And so. then I just it showed up and I just. haven't paid them. >> So he just decides to ignore it. It'll. fall off after seven years. >> Um, you know what else they can do. though? Sue you. >> Yeah, >> it's happened on the show. It's happened. in many of the Caleb Hammer shows. >> That's a lot of money for Verizon. >> It's decent enough to sue. You know what. they do? They sue you. You like going to. court. You go to court. You spend on. legal fees. You know what they do? They.

get a court order. That court order. garnishes your wages. Your wages are. already taken from you thanks to child. support. Why not have even more taken. from you? That's not uncommon. >> They wait in line. What do you mean? >> They uh they can't legally take more. than 50% of my wages. And so if it get. to that point, then. >> who can't? >> Anybody? That you can't have that's the. law. They can't withhold more than 50%. of what your your wages are. And so, >> okay, maybe child support, maybe default.

on student loans. This might be a court. order on extra. I don't know. >> Yeah. But even still, even if it is 50. 50%'s insane. Literally, she she's being. forced to live somewhere she really. doesn't want to. And you're like, "Yeah, let's just take even more of my money.". Like, that's pathetic. You're not a. partner. How do you let Verizon go that much go. to collections, dude? I don't even know. >> Well, I didn't know about it until it. was in collections. >> You were crying about your finances and.

your mom said that she was going to take. over. your mom's going to take over. y'all's finances. >> No, no, no. That was I I was. overreacting. I got a speeding ticket a. little while ago. And I was uh I don't. know why I panicked so much, but I was. like, I don't have enough money to pay. for this. I literally just switched our. car insurance so that it would be. cheaper. And because I had a little. meltdown, my mom was like, don't worry, I got the phone bill. >> Oh, you're on your mom's phone bill, too. The adult, the responsible one, the. >> That's because my phone wasn't paid off. whenever I got divorced and I didn't.

want to pay for it. >> This must be a car loan. What is this? $30,711. auto loan. >> That's my truck. >> for 10% when you didn't even need a. truck. When you got a truck, when he had. a truck, when he said you could use a. truck, you got a 10% loan on a truck. >> It's 10%. >> It's not 10%. >> It's 10%. >> It should be 6.8. >> That's a percentage paid off. I don't. know. 6.8. That's still not the best. It's not the worst either though. But. what do you think it's worth that you. owe $30,000 711 on? >> If I had to have guessed 25, >> maybe.

Yeah, >> maybe it' be right there a payoff for. you're underwater on it. Not. dramatically, but you know what I would. potentially do? This gets you out of the. situation quicker. Sell it. Borrow 15. 15. Five pays it off. 10 gets a car. Especially truck. You don't need to be. driving a truck an hour and 20 minutes. to and from work. What the. >> I have an SUV, too, but the transmission. is is pretty awful and it's a little. scary to drive. >> Okay. Well, I would actually uh then I. would borrow what's required to get, you. know, the transmission absolutely 100%.

fixed on that and then the $5,000. difference and sell this car. Then all. of a sudden you have no payment. >> We have two vehicles that we own. outright. There's no like we just need. to fix them. Yeah. >> Yeah. Well, borrow what's required to. fix them. [clears throat]. Sell this. >> Huh? What's. the working part? Like I said, the. transmission and the the SUV sucks. >> They run and they go A to B. No, let's. fix the transmission. Let's borrow. Do. you guys not listen what I'm saying? Let's borrow what's required.

>> Sell this. Borrow the difference. And. then what? You had borrowed maybe 10,000. total. Then what's what's the. transmission? >> Where do you borrow the the difference. from? >> Personal loan. What's the transmission? Caleb hammer.com. >> Um the transmission I literally have no. clue. I no clue. >> How much do you know? Are you a car? >> I know it. >> I have modern vehicles so I don't know. We saw you drive your your modern. vehicle today. >> Yeah, I pulled up to your nasty truck. I. know. >> Yeah, it is pretty muddy right now. But. >> I was like, great. I'm filming some. hillbillies. I bet they stink.

>> Yeah, we don't stink. >> You don't stink. >> But you can't back up either. >> Huh? >> You have a self-driving car and you. can't even make it into your You have to. correct. It's a very big parking lot to. have to do that. >> I don't think Did I correct? >> Yes, you did. >> Oh, okay. Oopsie. >> It's self-driving. >> I overdrew. I drove myself. I don't. know. >> Yeah. Is that okay? Do I have your. permission to drive myself? >> Yeah. >> Yeah. >> This time. >> Okay. And I don't have to get my. transmission replaced. So, cuz I don't. >> Well, you know, I just bought a new. truck because the transmission didn't.

work. >> The transmission was So, borrow for the. transmission. The difference. Get rid of. this. Okay. >> Good. >> There's a lot more wrong with it. But. the transmission is the biggest thing. >> Well, fix what's wrong with it. You'll. still you'll have a paid off car. You. get rid of that loan and you'll have. everything paid off. Okay. This is. insane. We're talking an insane like. your car payment, your gas, your your. >> Yeah, it's crazy. Exactly. >> Yeah. >> So, I have a secured loan of $5,262. What is this?

>> Uh, that might be my dirt bike. sake. What's the interest rate? >> Zero. >> For how long? Forever. >> Forever. >> $115. But you're just adding it to the. min minimum monthly payment. Just sell. it. Get out of it. >> No. Why? >> Cuz I ride my dirt bike. >> You can't. Okay. Well, let's see if we. can keep it. But we definitely want to. pay it off quick. Definitely get rid of. the truck. >> Yeah. Yeah. >> CNBA. >> I wanted to try and figure that out. >> $109. Why did we not pay this off? CNBA. What's this?

>> CBNA. >> That doesn't sound familiar. >> I don't even know. >> Someone owes [clears throat]. >> Can I see it? >> No. >> Okay, then I don't know. >> You're not going to get any more. information than I just gave to you. >> Okay. Uh, $30 is zone on it. Best Buy. >> Oh. Oh, I guess that's my Best Buy. account then. >> Oh, it's almost paid off. Just pay it. off, dude. Minimum to payment $30. >> Ah, who has student loans? >> Both of us. >> Both of us. >> Do you guys have degrees? >> No. >> No. >> I guess you can both course career.

certifications. There's trades, there's. tech, there's a lot of really good. things. Supply chain man chain. management. People in the audience have. used them to get six figure jobs, six. figure raises. Okay, both of you. I'll. get those for free. discount for you. guys obviously, but. um Okay. Yeah. Student loans. Student. loans. Student loans. How long did you. guys go to school? >> I was in for about a semester and a. half. >> I did two semesters. Yeah. >> I did a year and a half. So, >> okay. Well, so it's not definitely not.

worth going back. Okay. Wait, wait, wait, wait, wait. >> I want to go back. >> Well, someone's late. Someone's late. Someone's student loans have just. restarted a couple months ago, as most. peoples in the country have. and you're. late. >> That'd be me. I wasn't making any. payments. I didn't even know. >> they were going to. >> I have started since, but I didn't even. know that they were. >> because that's what happens. You know. what happens? It goes to default. Then. all of a sudden, whoopsie, garnishment. >> Yeah. No, they. >> again. And even though you have kids, you ain't going to get any tax refunds. >> We had no clue how much his his student. loans were or.

who he was going through for the loans. until probably right before we we did. all of this, honestly. I can't find. dude. Okay, we have a. student loans. Okay, for Tony, $8,759. What's your minimum, Tony? >> Uh 103.

>> Good. What's your minimum, Virginia? >> Uh [snorts] less than a hundred bucks. $90. >> Sure. What's your minimum? I've just. been paying. It's not going to be an. accurate budget. Dumb ass. >> Well, I've been paying 100 bucks a month. towards that. >> I don't give a what you're paying. I I want to make a budget, dude. >> At least I make my payments. >> Oh my goodness. You don't understand. Hey, 11,000 in someone's 401k. Who's. >> mine? >> Okay. Definitely very behind for your.

age, for your income. I'm glad you at. least have something. >> Do you have anything? >> No. Right. That you were the responsible. one, the mature one. You. >> Nobody ever talked to me about 401ks. >> What? >> Nobody's ever talked to anyone about. 401ks. We all learned things. >> How was I supposed to know that? That's. what that was. >> How about everyone else? Shut the up. >> Literally no clue how. >> excuse accountability. Who would have. thought? >> Not I, I guess. Clearly,

minimum monthly payments for your debt. $1,127. Income 5,200. What's your rent? >> 922. >> Utilities. >> usually about $250. Well, >> does that include internet? >> That's 350 with the internet and trash. >> Phone bills all paid for by parents. You. can do helium when you get your own if. as long as T-Mobile's good out there. Uses those kind of towers gas. Vroom.

vroom drive cuz it looks like you're. staying there for a bit. How much a. month? What was it? >> At least 600. >> What was it for? >> I don't really if I'm going somewhere. We're going. >> Okay. So 650. Let's call it car. insurance. [clears throat]. >> It's. 165. >> You we're together. >> 165 for both. >> Yeah. >> USAA. >> Your gas will go down when you use your. SUV, but borrow for the difference. >> Well Well, hopefully it will. My turbo's. out too. So like the gas mile. >> Yes, you need to and you will still save. more money. >> It definitely need once we get that. fixed. >> Food $600. Use the meal plan, meal prep,

>> TP fund, $200. Everything else you guys. need to survive. Toothpaste, tooth uh it. varies on a monthly bas basis, but try. to keep it at 200. Healthcare. Are there. co-pays on a monthly basis? >> No. >> Not typically. No. >> Is there a gym? >> Yeah, it's 81 for both of us. >> 81 together? >> Yeah, it's a couple's membership. >> How much How many What pets you have? >> We have two dogs. >> Okay. $100 pet insurance. How much for. pet food? >> M probably like 60 bucks a month maybe. >> Subscriptions. I'll try 50. Anything. else that needs to be in this budget?

>> Uh. I have a. 128 payment that I Yeah. $128 payment. that I have to make. That's a minimum. payment. >> Two. >> Uh. >> okay. Something we can't talk about, right? >> Yeah. >> 120. >> Do what? >> 120. >> Yeah. 128. What are we not talking about? >> No. Shut the up. If we're not talking about it, we're not. talking about it. Do you not know what. not talking about it is? Are you the. dumbest person I've ever met?

Trust me, I want to make the show. interesting. So, if I can't talk about. it, do you think you can talk about it? Shut the up. $767. How's you have left over? Well, let's get rid of the student. loans. So, >> sorry. >> You okay? >> Yeah. $40,727.34. 767. You can pay off your debt. 4 and a2.

years. Yeah, we got to boost these. incomes. You especially, we got to. boost, boost, boost. Get these course. career certifications. Let's try to get. more money in or work more hours, get a. second job, and let's get this down to. two and a half years and get a six-month. emergency fund and start a 50 3020. 50%. I need 30% I wants 20% to invest it. Okay. >> Is. >> that gets us there. Is this including. the $600 truck payment as well? >> Yeah. So, you get rid of that, you speed. that up dramatically. It'll actually cut. a lot off of it. So, you'll actually. probably be closer to like 2 years. If. you do we get a good job, you shave that. off cuz you still have to borrow like 10. to get everything fixed and borrow the.

difference. So, let's call it about 2. and 1/2 years, >> I think, is what you guys can do. Okay? [music] Grow the up. Stop being a. pathetic piece of But, I'm going. to call your dad. We're going to talk. about that and we got to figure this. out. I might call your mom about. the wedding, too. So, lots of. confrontational phone calls. Get ready. Post show is probably going to be even. more interesting than the episode. But. spending in a budget, let's get your. hammer financial score. Spending in a. budget, you overspent, 0 out of 10. Debt, there's collection 0 out of 10. Emergency fund, there's nothing. 0 out. of 10. Retirement, got something. But. combine the income dramatically behind. for our age, 2 out of 10. Real estate,

you don't own anything. You're not on. the deed. You're not nothing. Two. [music] out of 10. Uh, zero out of 10. Hammer financial score five out of 10. Get yours updated. Caleb.com right now. Now, join us in the post show. It'll be. an extra 20 minutes of this episode, plus three premium shows every single. day, 6 days a week. You can join here on. YouTube by clicking that join button or. the link below, or you can join on. hammerite.com or the Hammerite app. [music] I'll see you guys there. >> He's scared that his family would quite. literally disown him for this.

>> Your dad sounds like a hard ass. We're. not going to go too hard on him, but I. need you to learn. >> An individual in our in in my family is. no longer welcome at the family because. she chooses to to date certain types of. people. What do you mean certain types. of people? >> She was dating black people or black man. and that was what it was. >> They disowned her for that. >> Yeah. >> You think he'll be embarrassed when he. sees this and learns about you? >> Uh, no. Can you hear me? >> I just launched the brand new Hammer. Elite [music] app available on every.

major platform. So, you can watch every. show anywhere you want. You'll get three. exclusive dedicated shows every single. day, Monday through Saturday. [music]. Refer a friend after you sign up and you. get an additional 30 days of Hammer. Elite access for free. [music] Download. the Hammer Elite app by using the link. in the description or pin comment down. below. This is the best membership. you'll ever join.