Financial Audit’s Dumbest Couple Ever

you're a child and she actually supports. it because she was desperate to get with. someone I mean that's what you think he. popped out two babies with two women he. wasn't married to why do you actually. want to be with him please I just think. all this is temporary oh she's. delusional you are you are coping you. are in the honeymoon phas like none. other he's a. cancer download my new simpler budget. app today and take control of your money. once and for. all hi my name is Megan I'm 34 years old.

hi my name is will I'm 35 years old we. live in Fort Worth Texas and this is. financial audit hey thanks for coming. down from Fort Worth guys so we'll start. with you Megan you're the one in front. of me what do you do for a living in. Fort Worth I am an assistant property. manager for an apartment community very. nice what do you make um 24 an hour plus. commission um what's the commission. closing leases yeah closing leases and. renewals perfect what would you say. comes in our basis what net what are we.

hitting um maybe 3,000 to. 3500 net okay okay very cool will what. do you do uh I work for the railroad the. railroad okay the railro it's um 1850. wonderful what I'm not building the. railroad I just work on the cars pretty. much yeah we made the Chinese do that so. I didn't think it' be you yeah okay so. what do you make um I make about 2400 a.

you make less a month for the railroad. yes but what do you do what's your job. I'm a car man you sit TR mechanic. mechanic yeah what they don't make they. do I I pay child. support oh so you're saying what's your. child support on a monthly basis. 1,700 okay that's pretty substantial. yeah wait so that's what I get like on. my check there's like a Max child. support in Texas but in terms of.

percentage of income is it's yeah based. off income well yeah it's based off. income but your a little high wait how. many kids. two there we go that's why it's a little. high child support so you went through a. little divorce a little little touch of. the divorce a little no I've never been. married oh little touch of the didn't. separation yeah that that how old are. the kids I got a seven and uh 15 so I. take a seven and 15 okay yeah s 15 I.

take it that you do not have split. custody no yeah I don't have how of do. you see them are they here uh my son is. here my daughter's not okay why don't. you have. split well my daughter is in Michigan. rip her so yeah it's too far and then my. cold it is um and then my son.

um when we set it up I was traveling for. work so they were basically like default. like they were like you get every other. weekend there's two women yeah you. nervous the dude's going to be dropping. loads uh well the Megan's not worried. about that I can't have any more kids. anymore anymore meaning she she can't. not possible right and but any more kids. as in there are kids I have I have a son. of my own okay how old is your kid he uh.

11 okay does he live with you yes okay. whole time so that's the kid at the. house yes okay very good very good do. you receive child support minimal but. yes what how much um when it's paid it's. $86 a week what do you mean when it's. paid what's the situation um he's very. inconsistent so but he mandate okay he. job hops he's a loser so when he's in. between jobs I don't get child support. and then it could take a couple weeks.

when he gets a new job for the state to. catch up to him yeah um so for me to. start getting that money back but yeah. his his are you guys married us no no. are you getting married I mean maybe in. the future how long have you guys kind. together usually I only do married. couples or couples that are about to be. married yeah so what what the is going. on okay what is going on here what is. what is going on here yeah so I was. going to do the whole Callin show um. thing that you started Hammer Elite and.

VIP members check it out it's fun yeah. I'll give you a free month of the. membership I pay you I pay you I give. you a Visa gift card to cover it when. you sign up yeah so I was going to do. the um the call-in show but then I. decide just to apply and you know just. ask if this would be a good idea for us. to move in together um and kind of. figure out what that would look like you. not you don't even live together what. the am I dealing with. here yeah not yet I haven't dealt with a. couple in this infancy stage it's going.

to be curious so your finances are and. should be separate wait they are. separate right for the most part okay. what do you guys integrated on because I. always talk about married couples. combining and I know some people think I. do like one size fits all for that I'm. honestly okay with how anyone does their. finances as long as it works and what I. see is oftentimes married couples. they're not comping finances and then it. just doesn't work so I just try to put. them into a path that works but either. way you guys shouldn't even be. considering combining some things what.

what what are you what what what. possible is confirmed or combined um I. mean we just share you know like if. we're going to get food or whatever eat. out we'll just he'll grab my card I'll. grab his card um that type of thing what. does that mean grab card just grab her. card and use it uh to go pick up food. food. drinks and then do we V each other like. how is that working or is this we're. just covering it is there a discussion. of who's covering the me cuz I mean.

that's that's different than being on. like a loan together or something that. would be the huge concern right well I'm. it's more of like if we go out to eat I. I don't know I think we kind of just. have like an understanding um like who's. going to pay that night we I'll I'll ask. him like are you paying for this or am I. paying for this I did pay for a lot of. it at first at first yeah he did she. like realized I didn't have any money. and she was like she was like she was. like oh here um yeah I'll help you out. yeah so then I started pitching in a.

little bit more as far as like the his. little sugar. mama I wouldn't go that far but sugar M. here no I mean you did help you did help. with me with rent yeah I might okay well. that is a sugar mama situation hold on. why can't you what's no no no what's. your rent what's your rent my rent yeah. what's your rent is 1650 how the. possible do you have a650 rent if you're. making $2,400 net in what world did that. make sense cuz you've been getting.

you've been paying this child support. for a few years seeing their ages so in. what world do you think you should what. is that what what did you say 1600 yeah. 1650 1650 plus utilities and yeah. everything. okay yeah what okay so 70% 70% 70% of. your money goes to R they approve me for. the apartment not afraid that D dudes. just dating try to get extra bill in no. I wouldn't I don't know you guys I'm not.

going to suggest it but I mean dude's. not paying rent he's having his. girlfriend pay the rent how long have. you guys been together since August okay. I mean to be fair this didn't start. until just like this past month how did. we meet yes how did you meet because I. guess we're in that we're internet. strangers we met on Bumble strangers on. the internet oh Bumble okay that I. thought it was going to be like a cat. room or something you say internet. strangers Internet it's a dating app. yeah dating app yeah yeah okay okay okay.

okay so what am I trying to do here like. what do you want me to approach what are. we doing what is going on in. general so we both obviously have our. own debt separately that we have to work. on and when we uh move in together you. know just trying to figure out is this. something realistic that we can both. manage uh together and uh work on our. debt separately and saving and all that.

type of stuff going forward and you guys. are already talking about marriage no no. you brought that up I brought it up you. said them word first I did but you said. that's something we're considering in. the future something I mean if we're. going to live together I mean it might. you know things are going moving in are. you sure we are moving in together you. are moving in together it's official. we're we're going most because guy. doesn't know how to budget his living. situation so he just moves in no it's. not like that no well what is it like. her relas is up and and mine's not up.

yet but I can't afford the apartment. and there's no point of having two. apartments when I'm over her house or. she's over my house how are you guys. planning on spitting the bills how are. we doing at 5050 what's the idea 5050. until I pay my debt and then I can pay. moreb so is this stack oh my gosh this. is not in oh [ __ ] okay so we we both. have debt going into our mid-30s um oh. and then I'll pay more because I make. you know huh I'll pay more because I.

make more money but n. not well he's going to be getting his. raise. soon um plus so he so he's getting set. up at work he'll be getting more money. yeah I'll be getting a good raise yeah. so I will make more than her what raise. so I'll get like a $7 raise an hour what. what's your hourly now. 34 okay so I'll be making like.

41 okay what's going to be your net at. that point after child support after. child support yes after child support. because that's what matter. prob four uh 38 a month 3,800 $7. wouldn't increase you to an. extra huh 38 from 24 with a $7 raise I. think he might be also factoring in. overtime that will be available to him I. do I do work overtime yeah are you.

factoring your overtime in the 2400 that. comes in no I didn't I didn't get to. work over. time I'm asking what hits on a normal. basis and you said 24 n yeah so why does. that change all of a sudden because okay. so before he got his raise or he's. getting his raise he wasn't allowed to. work overtime but now I am but since. he's getting his raise now he'll be. allowed to work overtime so I think. that's why it's going up so drastic. is because 24 maybe it's a little high.

maybe it's a little high I think you. might be not doing math very well the. math in your the Math's not Ma how the. am I gonna budget for it then yeah um I. don't know. um what can I help with we just want to. figure out if this is like something. that's realistic to do what the moving. in yeah and you said you had to break. your lease yeah he's going to have to. what that.

costs we looked at the lease and it's. probably about almost $5,000 okay so. what the are we doing why do we have to. move in together now because it'll be. why can't you move into his current. place it's a one bedro congratulations. you guys sleep together you're dating. you banging consistently and son I have. my son where is he going to sleep C but. it's a temporary situation how much. longer did you release till September M. so it'd be about five or six months. until his leases up from the time that I.

would have to move $5,000 with I don't. know your financial situation yet we're. going to go through it. together but 5,000 hours incorporated. into a pile that's big likely doesn't. sound like something that's realistic or. even making sense I'm trying to find a. way around it well then how the what. does that even mean trying to find. you're not gonna find a way around it. you got to go through it that's not how. finances Works unless you're declaring. bankruptcy but then good luck getting. out another lease immediately no then. what way around it are you talking.

about's go ahead go ahead Little Genius. guy in the financial situation he knows. all the answers because there's ways. around it right so you guys are. obviously going to get out of it because. he already knows the ways around it so. you guys are good there's no point of. the conversation so what if I was in the. military had has given you a face when. you said that is this I mean well. because if there is that there there's a. loophole is that an option not so. there's a loophole to not paying thought.

you're getting a big boy raise to break. your lease if you can show that you have. military papers that you're getting uh. like rested or something and are you. getting rested no but then what the are. we talking about I don't know yeah huh I. don't know I mean I could get the papers. in. huh no actually answered the question. you're bringing it up so what the are. you talking about cuz I don't know they. wouldn't be real huh they wouldn't be.

real you're talking about lying it lying. about it yeah a white lie on one of the. most popular podcasts on the internet. where people see it what the are you. talking about or and or doing reminder. again I've brought this up in another. episode where someone was being a dumb I. allow them to tell me what they do not. want to talk about beforehand and I. don't ask a second question we just. don't talk about it the are you talking. about I mean obviously probably won't. work but well not anymore not anymore.

so he actually he has landlord debt from. a previous apartment I guess we should. just jump into I have a feel about to be. death City well with this guy with the. ideas that he's throwing out it's not. very smart so let's see here I'm just. just combining the numbers to. essentially uh simulate what you guys. would be like as a couple for the. payroll that came in we had 2,732 from. you that is uh certainly less than the. 3,000 to 3500 that comes in that you. said would come in does that take into.

consideration my commissions I don't. know I'm not very good get those anymore. let's cut right to the chase about. something that's changing the game in. Mobile plans if you're like me dealing. with your phone bill can be a hassle not. just with the carriers but also for your. budget but today's sponsor helium mobile. is here with a solution that might just. be what we've all been waiting for first. of all can you imagine paying 0 for your. phone plan with he willam's new zero.

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totally keep your existing $20 plan no. need to switch unless you want to so are. you ready to ditch those High phone. bills click the link below or head to. hello helium.com and download the app. and use code Caleb to get access to. these new plans that's hello helium.com. with the code Caleb thanks to helium for. sponsoring today's video now let's jump. back into the audit well I see that. support 4 30 hit which is also more than. you say it comes in yeah but that was. probably one of those times are. commissions how are commissions paid out.

what would they be so because I have it. comes. PayPal I also have a payday loan. payout who the took out a payday loan. this one over here oh that was me you. already borrowed money from her for rent. why do you have to take out a payday. loan you want to move in with this guy. this is the guy you trust I wouldn't be. laughing at that that's horrifying. horrifying rent comes out every month. okay so oh groundbreaking information I. they want it every month.

Caleb well yeah I mean well he didn't so. to be fair I didn't give him money right. away it was just this past month and. when did you take out the payday loan. cuz isn't this within the past month I. have the most P okay and then okay so. what the would your commission be. because I don't see any commissions that. are coming in it would come in as like a. regular whatever the pay rule looks like. yeah it come it comes in like that it's. once a month the time VAR it just. depends when my man how much would it be.

normally uh maybe in the range of 5 to. 600 or like3 to $600 depends on the. month I have miscellaneous deposit. 240 oh I don't know what that is off the. top of my head nope it was included in. regular payroll he all he added up. together your payroll and commission was. 2,732 you talking about that's $250 less. than you said comes in on low end you. don't aad month bad month what do you. mean so when you gave me your numbers. you were just calculating your. commission as well I mean yeah I was.

thinking of my so 2732 came in again. we're simulating what it would be like. to be a combined household 430 came in. through your child support So boom we're. basically like 3,100 is you know we. around there you 2,651 came in a little. higher than you thought gotcha by the. way your commission was $168 not really. moving the needle but either way our. entire. payroll 26 51 76 from you gosh this is.

going to be one of those episodes where. it's. like the more mature ladies taking care. of the deadbeat husband but then again. what are we going to do when we can find. out what's under your situation is that. actually going to be true let's see you. just present as more mature okay so in. the simulated household $581. 1459 came in now in the simulated. household what what went out what do you. think went out you guys are moving. together so you probably had at least. had a conversation around each other's. finances not that you'd have to be fully.

integrated at this point in fact I would. recommend against but either way you. would have a general idea so in the. combined household how much was spent in. the last month I I break even just about. on my personal spending household. number uh $. 5,814 59 came in what went out well. you're negative often so you're okay. with this 5,000 what' you say 5,000 how. much 800. 59 I'm going to go a little over.

6,000 and you want to attach yourself to. that I mean that's why we're here right. so that's why we're here okay the. classic the it doesn't make sense I'm. asking you're okay with attaching. yourself to that and you said that's why. we're here that doesn't make any sense. you're okay with attaching yourself to. that not necessarily can I ask a. question that might come across. insulting I'm going to anyway cuz we. already have permission. but are you desperate. no no are you just trying to close the.

the marriage before no ancientness hits. no no are we sure I think so he's not a. badl looking dude but he's I thought so. he's a. little I mean well I mean no no Caleb I. mean that's not fair. will that's not fair so she say a little. over 6,000 so what would you say what's. not fair. what are you talking about this is.

numbers fair I don't give a about fair. I'm giving you the reality go ahead what. do you think the household spent William. I don't I mean I don't know I mean my. bank counts negative right now cool. that's not a number um also good catch. well done really found yourself a winner. um so yeah it's hard to say yeah hard to. say I know what hard to say give me your. best guess on what you know you little. tit just I don't know is every. conversation impossible with this guy.

what would you say give me a number she. said a little over six like I G I let. her off the hook not even giving an. exact number what would you say round it. I would say 4,000. 4500 you think under are you actually. stupid are actually a stupid individual. are you actually a dumb I I don't think. I'm understanding what what you're you. don't understand I am saying your guys's. combined income is that number your. combined expenses would be what oh okay. based on your knowledge of.

your we're simulating what you guys. would be like together okay okay so I so. what number how much would you say you. she already said over 6,000 you are oh. he's a [ __ ] he's actually stupid I have. the dumbest person I've ever talked to. oh my he's actually he's legitimately St. I understand when she said Grand don't. know how how is your six Grands. because. my this. stupid he's actually a.

dumbass oh my God how is your expenses. six grand so because yes please try to. explain to him I explain how this is. working cuz he can't figure it out okay. so my portion of the 5800 I break even. right so your remaining portion of the. 58 you're already over your portion so. it's got to be more than 58 cuz your. account is negative so that's where I. was getting. oh 6 you know 6100 maybe if you really.

want to put a number to it does that. make sense now yeah okay I mean I think. we got it I hope I mean I get like 2400. a month Caleb right now uhuh what's the. combined household. expenses more than that what's the. combined household expenses try to give. me a number yeah your yeah okay yeah it. would be more please translate this to. him please get him to an answer so this. is this is combined what we make.

together okay okay. b i i Break Even you have to make up the. difference between uh between whatever. my share is the 27 I think you said. Caleb and 58 okay you're clearly over. budget so you would be over 5,800 is the. combined household income this is. actually happening right now in my life. In This Moment okay I got you I'm speak. give me a.

number just give him a number over 58. please it's six grand easy okay. oh yeah it was. $869 that's what you're attacked in. yourself to oh my I'm not a math. scientist genuine question you couldn't. process what we were doing here yeah no. like are you able to process situations. that are happening in real time in other. instances yeah I.

go. okay okay let's ground. yourself I just want to proceed so or do. we recognize that again of the 5,800. that came in through the household like. 8,500 was spent and that. is yeah that's a lot for sure I don't I. don't know how it gets to 8,000 but I'm. assuming it's more on his side you are. you are attaching yourself I'm catching. this early this is like we are getting.

the first signs of cancer yeah okay we. are catching it early so you can decide. to [ __ ] cut off the. tumor yeah I mean but the goal right is. to get rid of the debt and then we won't. be $8,000 every month that would be the. goal you think he is capable of that you. think he is capable of that in what. world in your knowledge of him gives you. that confidence cuz I would need some of. that right now please yeah I mean like I.

said we're he's going to be he's getting. his raise he's going to be able to work. overtime this is not a guy that makes. more money and does better because of. that he makes if he doubles his income. he triples his. expenses it's possible but I guess. hopefully that won't happen I I mean. I've had to borrow money from her and my. family I mean I don't like to do that so. I'm definitely not gonna I've had to do. this. so that means I'm not going to yeah you.

know so watching your brain work. is a. show wow this is a show. okay even my computer's giving up on you. could I have my charger for my backpack. out there y oh my. goodness I'm gonna go through just. breathe it'. be I think your mother didn't breathe. enough and had a lack of o oygen when. you were in the womb dude that could be.

could be true I'm going to go 3 2 1 go. and on go you guys are at the exact same. time which means at the same time. together going to give me a number from. zero to 10 10 being what you guys think. the household Financial score would be. like 10 being the absolute best zero. being the absolute. worst there's. only 0 1 2 3 4 5 6 7 8 9 10 that you can.

say yeah please don't mess this. up you understand zero being the worst. 10 being the best you guys combine what. you think it's going to be the and on go. you guys are going to do it together. okay so here we go got it three two one. go one okay he thinks it's better I'm. Optimist he's an optimist that doesn't. have anything to do with reality okay. but he's and you say won as the realist. of this.

relationship well if you want your. Hammer Financial score it is free Link. in the description below see where you. stand in the world of finances it's fun. and uh you know check out all the other. things we got we got the budget. budgeting app you guys do not leave here. until you download the budgeting app. help him set up his account hold his. hands whatever you need to do create. your individual budgets right now so. create your own separate accounts you. got the automatic connections to your. account make sure you utilize that and. go through all the education and.

Community that's in there we want to. make it the best budging appp it could. ever possibly be and you guys get. premium for free forever you guys get. two weeks for free um so please please. take advantage of this it literally is. the easiest thing you could ever do with. the automatic connections don't be a. dumb learn how to budget you get our. budgeting class for free as well so go. through that together take the quizzes. all this stuff stop being dumb if you. guys want to come on the show come down. here to Austin Texas I'd be happy to. have you go to Caleb hammer.com. slash apply let us go into these.

numbers this is going to be a long one I. have a feeling because this is a lot of. documentation Capital One Venture one. who is this uh that's me okay well. you're supposed to be the good one yet I. see. $2,643 64 out on here with a credit. limit of 3,000 not good with a minimum. monthly payment of $26. before you tell me about this card I do.

have to know how aware of her financial. situation are you all right guys this is. super exciting for this financial audit. Channel I got big news for you today for. the rest of this month if you join our. YouTube membership at the elite level or. upgrade from Pro to Elite I'm going to. pay for it I am going to directly. reimburse you for the $5 for upgrading. or $10 if you join now it's essentially. like a free free trial except since it. doesn't offer it I'm going to pay for it.

for you all you have to do is follow the. instructions that I'm going to post in. the membership area send us that proof. and I'm going to send you the money and. boom boom you joined hammerite for free. yes seriously guys there's thousands of. hours of extra content there you got two. exclusive member audits a month the. ability to call into our new live show. which is also two a month you just broke. Lindsay's heart no that's not true. honestly Ashley that's Lindsay for you. weekly live streams so Caleb what's your.

social security number I'm doing it. 38 definitely to get on your. shirt three. two and every single Financial audit. post show plus member weekly videos it's. crazy how much we have going on well I. got so drunk I kissed a grandma in Spain. without with only partial consent and. then I ran off up on plus it really. helps support this channel so let me pay. for it for a month so you have the.

opportunity to check it out make sure. you click the link in the description. below or the pin comment below and I'll. see you guys there and again make sure. it's the middle tier Hammer Elite so. that I pay for it this offer expires at. the end of the month um not that aware. hold the mic close to your face and why. are you not that aware of a person you. are moving into a place with and getting. a lease with in your stage in the. relationship do I care if you guys know. about each other's finances not. necessarily 100% but you guys are moving. in together and connecting each other by. The Hip via Alise you would kind of need.

to know at that point that's where you. have that important conversation so why. do you know nothing about a personal. financial situation um I feel like I can. pay the rent if I had to so what will. your new rent be you can't pay your own. rent she pays for your rent you're. actually stupid me yeah no I think it I. mean I'm going to be getting more money. so and yeah was this when's the raise. official. like last week okay making more money.

but your expenses are going to go up. that is what happens with people like. you I've seen it a thousand times on the. show don't try to say it's not going to. be you we filmed for a week for 2 and a. half years shut up how aware of his. financial situation are you um I feel. like I'm pretty aware she why is this. she seen my credit report do you just. need like a mommy in your life like why. is a a child literally getting with a. more mature individual here like what. are we doing how are how did you guys. even like you do not seem to be even on.

the same plane of existence how are you. guys meshing how do you mesh how do you. mesh well I mean one of the things that. was really important to me when um you. know we met um is I wanted to make sure. we had the same like fiveyear goal or. not same but maybe similar goals as far. are you sure he understood what the term. five years meant I hope so um but yeah I. we just I think we both want within the. next 5 Years to you know be married with.

a house hopefully so that's where get. out of renting get a mortgage settle. down yeah. yeah so I think the goal here eventually. will be marriage right as long as but. how are you guys connected you seem so. different in terms of you know you're. going to be carrying his ass and he's. going to be the anchor in the. relationship forever I I don't agree. with that how I don't think that his. activity when he gets home for work for. fun is taking a baseball bat in the. corner of a room and spinning that's.

what he. does no no I don't think so um I mean I. work hard and yeah I have a good job so. but that's not it that's not the end of. the equation and that's what I'm trying. to make clear here doesn't matter how. much you make right if you're stupid. with your money making $5,000 you're. going to be stupid with your money if. you make $100,000 a month right yeah so. I mean things need to change I think and. uh. oh reev revolutionary Insight okay.

yeah yeah this is the relationship. that's going to. be very successful in the history of the. show so again you're only a few hundred. away from the Max on this card and. you're the financially responsible one. what the is going on with this card so. that one has 0% interest okay you still. owe a lot of money to a bank I do um and. it's still at 0% interest for a few more. months months how long does it take to. pay off only doing the minimum monthly.

payment which is all you're. doing once interest. starts or right now in general oh in. general um both comb it'll probably be I. I don't know maybe five years okay 16. years you'll be in your 50s. okay just you'll be 10 years from being. able to withdraw money from a tax. advantage retirement account and you. will have just paid off one card yeah. that's a problem and you said for a few. more months it's interest free so that's. not even exciting if we're talking a few.

years that would be a conversation where. we could put this on the background what. are you laughing about oh no I don't I. should I shouldn't be laughing because. mine's worse. yeah is this like your One Moment In the. entire history of this relationship so. far where you feel a little bit of. superiority because you know she's also. bad even though you didn't know what her. financial situation was before no I. found out she has loans this morning and. that that made me morning that wait how. how do you guys talk about this how do.

you guys talk about this that made you. feel bad okay I mean well I think okay. this to to be fair to him when I applied. for the show I was the one polling all. the documents so I got to see everything. and he didn't and so this morning so you. only learned about his finances recently. insanely recently but you were going to. get on a lease together yeah yeah I mean. it makes sense right it it doesz well. okay so let's pretend our new rent she.

enables him she enables him I probably. do but um the new rent will be like. $1,800 and so split between the two of. us we'll say $ 900 each we're both. saving money I mean that's going to be. what 7700 $700 that he won't be paying. towards rent that he can do whatever and. then for me it'll be like4 or $500 no. $600 not you do not live together now no.

not okay but you guys are going to move. in together right is it going to blow. your mind when he gets dropped off from. work it's in a short bus is that going. to just change your entire world when he. thinks he's going to work on a train but. he's playing with a train in a classroom. somewhere I I don't I don't think that. would happen I think at his job they. call it the Choo Cho so that's what I.

asked oh gosh when he comes home from. work or you know whether it's at my. house his house I asked him how many. choo choos did you fix. today we call and he probably answers. genuinely yeah last night it was five. four chooo. five yeah yeah girl you have no idea. what you are getting into maybe yeah. you're already I don't think you're a. dead beat for what it's worth but you. dealt with a dead beat but now you want.

this I and I'm being Brut this. upgrade yeah you're you're being Bean. sorry yes it's an you are going to sign. a lease with a man agree to split 50% of. the rent yeah he is going to drown in. his cereal one morning and you are going. to be but we'll be but we'll be saving. money individually on our shares of what. we pay I don't think you understand what.

I just. said he's going to drown in a cereal. think I'm gonna. die okay well. this interest free period. ends when I it doesn't say I think it's. March next month next good month yeah. kill me now what is it going to be like. 30% at that point um probably. I think it's like 28 29 okay who's.

Discover it that's mine also well how'd. you get into that Deb in the first place. in the last one um on the Venture Card. yeah oh gosh I don't remember um I know. I went on a cruise only October okay I. went on a cruise in October so last year. last October I know right after you guys. got together the total amount of that. 2600 that's why I'm trying to figure out. like the cruise was like maybe 1,200 and. then I'm trying to figure out where the. other 1400 came from and I don't know.

without looking at cred card how are you. going to be the one to hold this house. together if you don't even know where. $1,400 of your debt came from on one. card. yeah I mean I just when I want to pay. for something I just I look at the card. and I'm like well this one I know has. the lowest it has the lowest balance so. I'll spend this this one has travel. rewards so I think that's why I did the.

cruise on that one and now you're going. to pay 30% interest on it and in a month. which is going to offset that entire. reward you got I in a month's time. probably I already used the Travel. Reward it was like $200 or $300 I. already used it towards the balance that. was on there. so but I got the extra point the rewards. the travel rewards for using that card. dude you're going to pay interest of $66. a month that's going to completely.

negate those free rewards immediately. and I know you don't pay off that credit. card I mean look at the progress you've. made it's been no. progress okay so this Discover it is. yours you pay this off every month uh no. obviously well it looked like you paid. it off last month but then you purchased. money on it bring it to. 40166 so you actually paid off a carard. made success and then you took it all. the way up so what the why is that the. cat box. the the robot the $300 litter box for my.

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details Tas Point your toes West that. was just like last week you paid off a. credit card and now you say you didn't. so now we racked up. $41 66 cents why after making actual. progress would we go into a hole again. well because I had the money available. in the cardigan I paid it off so I'm. like hey Z on this one no she's just as. bad she just presents she just presents. better oh for sake oh so there is no.

hope here. okay yeah what are you giggling about I. think you just giggle through this world. yeah it's is. funny what it's just your financial. misery is funny yeah it is you got to. laugh at it. sometimes you got to find the humor and. everything yeah I mean your glass is. half. full what class what are you talking. about she you guys owe de where where's. the emptiness I don't know what the.

you're talking about the emptiness is. that but that one's got like a $113,000. limit and cares about that you owe a. debt you owe a debt though at 25.49%. interest but this glass hold on wait. hold on hold on shut up you came on here. to figure out if you guys should move in. together right yes why are you sitting. here and fighting about that you know. that would be wrong well you're yelling. stop being a [ __ ] yes I know this is. people are confused why people get put. cuz I getting their first push back real. push back in their lives it's a natural.

defense mechanism but don't be a dumbass. yeah we can't have two in the. relationship where you guys are going to. crash and. burn true um I mean we'll figure it out. right I that's not how this works he. hasn't paid his rent and you had to pay. for his rent us figuring out okay list I. don't even know how much debt I don't. even know how much debt so let's find. out the total household debt yeah we're. looking at 98,3 5956 so [ __ ] you figured. out that's what you figured out led to. so I don't know what the you're talking.

about and neither do you so stop being. an immature little brat yeah it's. McDonald's it's Amazon it's. Amazon it's. [ __ ] yeah I mean I don't know what I. spent on Amazon fine open up your Amazon. app and I'll tell you oh no okay um. let's. see what' you buy I don't know she. doesn't know you dumb that's why she's. opening it for sake how have you made it. this far in life I don't know.

man so I got a new phone case for my new. phone okay it's a nice case yeah start. oh this is an Android I don't know how. to start a screen recording she got a. phone case except you can't start screen. recordings. easily new phone case cat food a little. mop thing cuz probably didn't have any. other way to clean a floor yet or it's. the spinny one I wanted the spin. conratulations. have a mop or any way to clean the floor. I did but I didn't like you you have.

debt I don't care I don't give a you. have debt you also got some chicken. flavored pet food a thumb print. fingerprint ink pad stamp for a notary. you're a notary you're notarizing what. are you notarizing yeah I had to get my. notary license for work and so why' you. need. this what oh because on the book it asks. for the person whoever is signing like. if I was notor document for you you have. to put your thumb but you had to get it. for work do you actually do notorized. yes okay work couldn't cover that they. paid for my license they paid for every.

I get reimbursed for it um dog poop. picker ERS that's good ethernet cabl so. many ethernet cables. that well because I bought the wrong one. and then I could yeah but we still got. two more after you returned the wrong. one well it was the ethernet cable and I. oh wait sorry this is flee and take. prevention that's good yeah I need to. take care of my dog well yes I'm which. is why I didn't push back against it. he's 10 years old old he's nine don't be. mean I'm not he's.

he's very old and sick don't call him he. calls him Skeletor he had. pancreatitis and he lost weight so now. he's a skinny a lot of money on pets. before and oh that's actually probably. part of the balance on one of these. cards like thousands and thousands of I. have too do you have pet insurance no. would't be able to get it for him now. not a credit card person this is beyond. clear again just like every guest on the.

show and many people in the audience use. the Fizz card it's a debit card but it. actually builds credit and you get the. rewards it just connects to your. checking account you can't spend more. than you have in your checking account. you need it you need the extra. railings in life okay who has the. Capital One savior that's mine okay it's. all you so far which again you were. supposed to be the responsible one I was. at least picking up the beginning I just. have more credit cards that yeah those. are good yeah $.

72777 with a minimum the payment of $25. no purchases only made the minimum takes. four years to pay off interest is. occuring you're only paying the minimum. but we got all that on Amazon I went out. to eat as well our priorities are you. say you want to get a house what house. are you getting you can't afford to get. a house you can't afford to do anything. put everything on credit cards that are. getting maxed out what are you talking. about house what house would be in your. future your credit score can't be great. what's your credit score mine is like.

650 66 so yeah what house are you. getting what kind of good mortgage. you're getting you're going to get good. interest rate which is going to blo in. your minimum team payment kind of down. payment are you going to get what's in. your savings right. now um 4,000 okay so what house are you. guys getting are you going to FHA would. make your minimum payment even more. substantial so all of a sudden your. minimum the payment is going to be like. 50% of your take house won't be for. another few years we'll have time to. save money guess what a few years has. gotten you a few years has gotten you. into 90 almost $100,000 in bad debt. what's a few more years of your guys'.

pattern spending $8,500 as a household. when $5,400 came in few years yeah a few. years you guys are $175,000 in bad debt. so I don't know what you're talking. about a few years what few years are you. talking about I mean fiveyear plan so. within the next five years yeah what's. your plan cuz again your plan was paying. for him for his rent and now he's. breaking a leas so you guys can get into. a place where you don't even know he. doesn't even know your financial. situation you didn't even know his. financial sitation until you applied for. the show yet you were deciding to get on. together yeah I mean but it's going to.

be cheaper in the long run when together. works you are just assuming it all works. that is how people end in a position cuz. they just assume everything's going to. work right it'll. work yeah I it'll work. out it'll be cheaper I'm going to. preemptively get you guys three free. therapy sessions with sound m they're. the people I use but you guys should do. a couple's therapy preemptively when.

this inevitably blows up cuz there's no. way it doesn't you had a late fee last. year on mine you're moving in with. someone and getting on to at least. someone who has a late fee meaning. sometimes she's late on hering bills no. I have them. too that's a you know what you guys. actually are perfect for each other I I. it was just one I think that's the only. late fee I've ever had. if you have a late fee.

you're you're dumb with money and it. just happen so I don't. care okay if you say so I I think what. do you mean if I say so it just happened. only it's the only one I've ever had but. it just happened if the only one you. ever had was a decade ago I would be. like okay you learned your lesson it. just happened yeah so that means you're. getting worse if it's the only one you. ever had and you just had it it was only. one though and it just. happened yeah so that means you're.

getting. worse I think it'll be fine it was just. it was it fine it what a c what a cope. what a [ __ ] cope who has the damn. Apple. card I don't have an apples so finally. made it to Mr. William yo. $1,661 and22 cents with a minimum. monthly payment of $259 yeah no way you. pay that that's impossible you have to. be late there has to be late or else cuz. it wouldn't be that high okay well you.

know you're not purchasing good thank. goodness I don't think you can you're. probably maxed out interest charge. 391 variable interest rate we're right. now we're at 26.4. n% it has to be. over right under minimum oh you're pass. to. $25 yeah yeah so this is the person. again you want to get on a lease with he. has passed. du eight. payments yeah it's been eight payments.

that's who you want split expenses with. how is this not getting through to. either of you do you not understand that. she has Miss payment you have. eight and you want to literally allow. the other person to be on a lease with. us that could our. credit I mean we're going to work mean. we're going to work on oh the cope from. this. woman that is not funny I know that is. not funny you guys are a disgusting mess.

financially yes yeah financially that's. all we're talking about yeah I mean I. would pay it if I had the money I know. you mve into a rent you couldn't afford. you chose you chose just ignore their. shut the you chose to move into a rent. that you cannot. afford I did so this is your choice it's. not just because you don't have the. money you got into rent you couldn't. afford you could have got a small Studio. MH so shut up this isn't out of your. control this was you you did this you.

could have worked extra hours somewhere. if you couldn't work overtime at that. other job you would go get a second. job yeah there was a point you. considered getting a job but well maybe. we should have cuz we're eight payments. behind on this and we couldn't pay rent. and we had to do our honestly relatively. new girlfriend had to pay for our rent. yeah not idea it was only a little bit. it wasn't the whole thing he still. needed you and he says he's borrowed. from family he said that earlier yeah. yeah did say.

that who has the Quicksilver one that's. that's mine I have a quick oh no I mine. never mind mine's a zero doll balance so. okay well he he owes. $1,248 on this with a minimum monthly. payment of. $41 okay oh good he's purchasing on CR. card that he can't pay off that is a. creu interest that is over the balance.

limit and you're getting a mortgage with. him at some point someone who literally. is over the credit limited on two. cards and what you the the you guys live. in fantasy land you guys live in actual. Fantasy Land well he needed the money at. the time right soing about the money. here well theard he had to spend the. money on the card because he needed the. money he had en she fully enables him. you are okay with this oh you are you.

guys and you laugh about that what do. you mean it's for Taco Bell Einstein. Bros and going in a gas station and. getting a drink or some dip he needed to. eat something oh my gosh she really does. you I swear I could have swore at the. beginning of this conversation you were. going to be the same one I don't know if. I'm going to make it this one that's not. funny that's not funny you guys are not. cute you're not. funny you're a child and she actually. supports it because was desperate to get. with someone that is how I'm reading the. situation I refuseed to accept something.

else unless I don't think it's like that. there I can't see any other way why. would she put up with it why would she. enable this this doesn't make sense. maybe it's because she's also a child. she just presents as an. adult I mean he had to buy food so I. don't know I mean you have to eat to. live.

what are you laughing at oh I am trying. to figure out a solution to your actual. stupidity there's a cookbook right here. right here you guys get it with the. budgeting app [ __ ] use it $300 a. month each could be spent on food you'd. be perfectly. fine yeah I need to go grocery shopping. more. cuz I just don't plan ahead and then I'm.

like I have to eat or you know meal prep. meal prep that's what you could have. done I don't get this have to eat you. had to go to the Jack in the Box or Taco. Bell and Einstein BR what do you mean I. work weird hours I have to you can't. pack lunch on weird hours I I can I just. you know um he can't pack lunch you said. he has the eat you're enabling that yeah. I don't I don't live with him right now. so it's she she fully she fully enables. oh you're just as bad you're it's.

official you're just as bad you're just. as bad the fact that you allow that just. as bad just as bad she cooks more food. well do good I don't care she is. actually saying it's okay that you did. this even though it's a credit card that. you cannot pay off that is literally. above the credit limit woman above the. credit limit yeah that's not man it is. above the credit limit and you're okay. with that no. no but really cuz you're trying to. justify it to me so what the are you.

talking about no I'm just saying at the. time he needed to spend the money he did. not need to he could have meal prepped. what are you talking about yeah yeah but. he didn't so I I don't know but he. didn't and that's what I'm saying and. you're saying it's okay do you not get. that it's above the limit because I. needed gas and if there's a dollar on. that card you spent more going out to. eat than gas you spent more going out to. eat than gas it'll. go over the you spent more eating out. than.

gas this isn't about the yes just on one. purchase alone Einstein Bros was more. than. gas gas is like 40 bucks a tank how was. how was Einstein Bros more than gas you. spent $924 at the gas station oh that. was probably Zen yes that's what I was. saying really so you're dating an addict. too well done. 28.74% interest on here what a joke what.

a joke hey so your big question at the. beginning was should you move in no no. and I could end the conversation there. not going to for the sake of the episode. but honestly I probably should in a real. situation if this was just us talking on. the street but we're going to make the. episode cuz we're sitting here but the. answer is no. the answer is no you should not move in.

together I mean that's what you. think you came here to ask me are you. yeah I mean that's your opinion of which. you came here to ask yeah. [Music]. so it's not like is Heen it's not like. the truth I'm just saying but the logic. why you ask what was the point of being. here so the logic behind it though get a. plan for to get out of our mess we made.

she came on asking if you guys should. move in together you're saying to get a. plan well is it right is it realistic so. but okay but hear me out so if we get. like a rent that's 18 even 2,000 I'm. thinking worst case scenario $2,000. right that's $1,000 for each of us buddy. he won't pay his Apple bill for $50 a. month but he'll have the money because. his he'll spend the money on that's what. he does well he said he quit so well he. didn't have the purchases so that's also.

someone you're moving in with is someone. who's lying to you because and you're. going to accept it cuz you're desperate. no no I'm not desperate I think at the. end of the day why why else would she do. this he's a good or else she wants like. that like power or something like I. don't know why else someone would want. this I don't get it I mean if we have. extra money we can pay our. bills right not this is sinking through. to them and he laughs after everything.

he is an actual little child who has the. Cabella's. Club that's a good one that's who was. that is that you yeah yeah what are you. getting. guy what are you. getting uh mostly gas on that one um. $495 and 58 cents owed with a $27. minimum the payment $500 credit limit so. you're already there you're lucky made. the minimum monthly payment didn't make. any. purchases it's maxed out yeah it's.

basically maxed out you had a late fee. last year not surprised not even close. to surprised are you surprised I'm not. no but you don't give a [ __ ] either way. so I. do you have know you have shown no. indication to that how is it that people. come on the show and then they're just. like okay all right what is this what is. this credit ninja loan oh it says from. will what is this for. that was for like a$ thousand dollar. what was it for you get it to pay my.

rent so I don't get evicted so this was. a different month yeah so this was. a how many months in a row have you. borrowed for rent in different spaces. borrowed from different people I would. say like four or five months oh my yeah. oh. my oh no yeah. you're going to sign a lease with that. person how many times can I say.

that and he laughs at it I don't. understand these creatures I do not. understand these beasts be get evicted. or yes I understand that but you're. putting yourself in a worse position. because this takes away money from your. minimum monthly allotment when makes it. even harder to pay your rent meaning you. get stuck in this infinite Loop yeah. instead of you just getting rent that. you can when did you sign this lease. when did you sign this lease March end. of March so really you yourself paying. this rent you've only done you only did.

for a couple months before you started. having other people pay for it via loans. or. whatever like yes eight months yeah I've. been there eight months no you've been. there 11. months and you said you borrowed for. four months so 11us Four's going to try. to give you an out and try to make you. look better than you are in reality. that's what she does so I figured once I. make more money I could pay the rent you.

guys think that's your solution you you. wanted to come on here and for me to. reaffirm that that is actually going to. work that's what you. wanted bad news I don't think so guys I. really do not think so I really do not. think so the fact is you brought $1,000. you have a balance of $. 2,55 well isn't the rest that the. interest.

yes you're okay with this no she's she's. just like isn't that the interest though. isn't that all it is it well right it. just it sounded the way you okay with. this a $1,510 in interest also known as. a 500% interest rate 500% can pay a loan. interest rate to pay our rent. you minimum monthly payment 400. $120 and you thought that would be.

payable instead of adding that and. adding that to your rent so. $2,556 it's not even interest that is. added it is immediately added at the. beginning you are you want to marry a. man who takes out payday loans I really. need to hear this from your logic why do. you actually want to be with him please. please. please I mean look I I think he needed. the money at the time no he just needed. the money at the time I don't think this.

is a longterm thing that's going to. continue gives you that confidence. because the people that do this are the. ones that do this long term he popped. out two babies with two women he wasn't. married to owes them. money which is also going to get taken. out of his pay. raise I just think all this is temporary. we just have to pay down and then oh. she's.

delusional oh my what guys can you. please answer what do you want from me. cuz what you have said so far is not. aligning with the conversation we're. having please tell me what you actually. want me to do make a payment towards. those loans without paying the interest. like to towards the principal of those. loans no I believe this was set up in a. way or I can't so I can't pay off the. ,000. uh no because it says the current. balance is. 25005 if if you could okay yeah because.

they loaned you. 2,450 in reality that's what they loaned. you I swear that. was, you got $1,000 in cash but they. lent you. 2,450 1,450 of that being the. fee who's the fee not interest on it. that that's pretty. bad I'm not.

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learning the skills to interviewing. resume help and Beyond so if you're. serious about starting a new career. without wasting years or piling up debt. give course careers a try start with. their free intro course Linked In the. description to explore your options and. when you're ready use the link in the. description for $50 off the full course. your future starts right now in course. careers is here to help you shape it. yeah it's a lot of money oh my gosh guys. I think I see like a thousand more of. these payday loans um should only be.

like three or four. [Music]. more I think it's four total yeah so. three. more just. saying you guys say it like it's. nothing you guys say it like it's.

nothing I don't see hope I don't see. hope I. don't interest this one is a little. better 160% finance charge was uh 1,568. you borrow 2,110 but the current balance. luckily on this one because of that fact. is actually so you made some payments.

towards this. $1,831 op. fin you guys are. done he laughs about it but is this how. he reacts to everything he's. a. joke are your parents still alive mine. yes will they accept. this they no they wouldn't cuz they want. your best interest. well come on I I don't know come on.

there's no way they would accept this I. don't talk to my dad and my mom I don't. know I mean she lives in Fort Worth as. well but she uh she's been supportive of. some pretty relationships I've been in. so so you know this is you know this you. know you just said that you know your. brain just said that you know your brain. just said that with you consiously. thinking absolutely no is she okay with. us well she's been okay with.

relationships yeah so this one is better. than those and how how well this is. going to end in a financial abuse no. that's not a joke think so I don't I. don't know how you you you are you are. coping you are in the honeymoon phase. like none other cuz we've caught you. early he's a. Cancer and honestly you're a cancer to. him because you're just going to a him. forever no um I think we just you know.

we just have to get through all this. stuff what the kind of cope is. that that's not an answer lo you don't. get through this the behavior that got. him here in the first place that also. got you here isn't changed because you. guys move in together we just have to. get through it that doesn't make sense. you still have the behavior that got you. there in the first place that is what. you have to change that is what you have. to change you did not the mon came in. here and sat down you spent $2,500 more. than you brought. in $3,000 more than you brought in.

$3,000 more than you brought. in y. speechless all right. [Music]. aent oh it's even it's bigger $. 3,842. 31.8% interest loan on this this one. finance charge is. $1,998 26 you borrowed.

$3,600 so your total payments will be. $5,595 your minimum monthly fee is what. what what huh what is it 200 bucks would. he even know would he even know would he. know I hope so you hope so but there is. no confidence in whatsoever I'll put 200. it doesn't say in here and I don't. believe that saved my life also I don't. understand with your rent in these. minute payments we've talked about so. far you're already over yeah you've put.

yourself in a reoccurring cycle and you. want to get with some how I can't say. that I can't say that because I've. already said that so many times I will. annoy myself if I watch this back do you. not understand though that he will. repeat this cycle with you and your. money will get dragged into it your kid. will be affected no I don't think so it. was she doesn't think so this is all she. says how how how can you not think that. how can you not think that can you. explain to me how you could not think. that because there is no way to not.

think that how could you not think that. explain that to me how could you not. think that how because he just needed at. the time to pay his rent at that time he. will always need this because he gets in. the cycle in the cycle so how would he. not need it when he's with you how I. don't know how he'd be able to afford. the split rent anyway with these numbers. so far I really don't so how how I just. I don't know you can't answer you have. no real answer because for some reason.

you are blind to him either you are. honeymoon phas either you are desperate. or because you're dumb I don't know. which it's not ignorance you know the. situation you saw it when you applied so. it is one of those three it is one of. those three pick the three I don't know. that is for you toing find out there is. no. way best egg. doesn't even do anything you cook he. doesn't take care of his own children he.

doesn't do anything well he does take. care of his own he pays all that child. support that's why he's part of the. reason why he's in this. $3,534 balance on this uh 20% interest. origination fee amount given to you. finance charges okay yo. 3,535 joke oh there's there then there's. a damn upstart this really just that. one's paid off that one's paid off. [ __ ] piece.

of I want to I'm pretty sure that one's. paid off. no no there a current balance of 276 are. you talking about pretty sure this one's. paid off shut up he doesn't know things. that's why I can't trust that minimum. monthly payment that you had I this. conversation's infuriating me oh my. gosh I'm such a like good things kind of. person when I'm infuriated and I don't. even know what to do without breaking.

something. upart I just cuz I can't believe that. you are allowing this and you are. accepting this you are accepting this. you are accepting. this which it just it just like I don't. know I don't know there's no way not to. there's no. there's I don't know I don't know I. don't.

know I don't know I don't know I don't. know I don't know how the we get through. this I don't know how you you guys won't. survive you someone's going to end up a. heroin addict something's going to. happen something there's no I don't know. I don't know I don't know I don't know. how you. guys I don't know. I don't know how the goes on current. bals it's upst start.

276 how am I allowing this to continue. whatever whatever minimum monly. payment. $19.42 what was the new what was the egg. what was the best egg minim mon payment. do we know where's the egg 209.

oh is this one you I don't think so e. ECU that's my bank account. okay oh my gosh what do you possibly owe. $ 27,7. 3874 and a car at almost okay 7% what is. the car what is the car what do you have. it's a 2024 Toyota Corolla. hybrid 24.

yes I bought it in October you $2. 27738 how much is it worth um I think. it's like 24. 25 but wor 20 okay 7,000 underwater yeah. well when I traded in my old Toyota it. was I was upside down I had to get out. of you're underwater yeah and you always. will be when you keep that cycle I I. don't want to finish this episode I want.

away from you guys okay just cuz I have. a. fear that your mental AIDS will infect. me somehow and I don't want that I mean. she needs a car to get to work I'm not. even listening to you guys anymore I did. need a call don't care oh my gosh your. old Toyota was 2020. yeah but it was so it was a rental. before I bought it so I got it lady like.

50 55. $50,000 50,000 miles on a Toyota oh my. gosh it'll never last it'll never last. it was starting to have transmission. issues like I could tell really no you. couldn't did you take it to a FR. transmission place where it tested. transmission so you wiing stupid this. debt and rolled it over negative equity. before you took it to a transmission. place which are free to run a. transmission thing and they'll try to. sell you on stuff but you can get a. transmission test even if you paid for.

it I wouldn't give a you'd rather you'd. rather go into a $7,000 negative recy. position on a expense cuz you have a. $50,000. Toyota a transmission fix would have. been cheaper regardless even not that I. would necessarily recommend doing it we. wouldd have to run the numbers but even. still would I recommend doing what you. did anyway I just didn't like the car. either I don't give a I don't care. you're in more debt now you're. never get a house never get a house. never get a house never get a house. never get a house never take advantage. of that.

again ah I don't know how the only I. only the. only thing that would lead to a. successful end to your life is when he. is playing with his Choo Cho you stand. in front of. one that would be instant death yeah. yeah that's not good. $487 196 minimum monthly.

payment I don't know 7% interest you're. not keeping up with the. market normally I give them a course. career certification but I actually. don't want to but I'm going. to now you. fine I was going to say I would give it. away to someone in the audience but no I. I I don't feel comfortable with not. giving the same resources to every guess. okay will money ow to family 4,000 let.

me guess foring rent yeah huh yeah. H who'd you borrow from uh my sister and. my dad your sister and your dad now did. your dad marry your sister and she's. also your mom no are you confident uh. yeah 4,000 total together. um no 1,200 to my sister and 2,800 to my.

dad so yes 4,000 together combin combin. yeah Fu. sake [ __ ]. sake you have a degree to do what you do. and 150 to my little. sister but yeah do you have a degree to. do what you do no. no you have minimum monthly payments to. them no I'm going to pay him back when I. have money I'm sure you are a big guy.

yeah who owes $40,000 in student loans. well we know you didn't go to college. yeah that's what degree do you have to. sign leases um I you don't need a degree. to do that that's was my point um yeah. so and it's not a bad job I'm just. saying you have $40,000 in student loans. for a degree you're not using what did. you study um I actually switched major. several times so. originally I went to school for Vette.

Tech and then decide that wasn't for me. good um then I switched oh let me see I. think I was going to do a business major. at one point I did a little bit of. psychology and uh pargal for like one. you have a damn degree no. okay I dropped out too I don't judge it. 40% of people who borrow for College. Drop.

Out Hold on original Total original. amount was 29,000 yeah so this is. something I don't understand so there's. like you know how it's broken up to like. a million different smaller loans and. the total is that 40,000 but some of. them they say the interest is like 85%. or whatever huh I don't I don't know how. to explain it but like oh it's like.

balance paid off is negative 85 or. something I don't know be paid and it's. accruent interest the unsubsidized ones. especially well I'm in hey what's your. minimum monthly zero cuz I'm in the uh. income driven yeah that's going to [ __ ]. you I know i' because that interest is. acur and nothing's happening and guess. what new new Administration not the. biggest fan of the Department of. Education guess who decides who how. these loans are paid back I've heard. would you like to hear who the. Department of. Education so good luck lady you your.

minimum to payment is probably like 450. if you start back up which you could do. if you're a responsible adult you chose. not to you chose not to you chose not. to oh it's not like the interestes are. even [ __ ] high on these. things did you see what I'm talking. about like look I see what you're fing. talking about it's because you never. made a payment and interest Cruz so yeah. you're behind on it who would have. thought that basic math worked.

yeah who has the damn Discover Card huh. who has the Discover oh it's a person no. yeah it's a personal loan who has this. who has the personal loan that's mine. why the do you have a 22% personal loan. of $. 5,424 okay so I think I'm remembering. now so I cons you're remembering yeah I. Consolidated some credit card debt and. one how' that work and um well how that.

work it made sense at the time oh did it. because now all of a sudden you have a. lot of credit card debt so that's. curious thought I think the um the other. one that I that you said I paid off well. I thought yeah then you put a balance on. it $152 60 Min payment go ahead what I. mean I added up all like the interest. and everything from the individual cards. yes I would have paid more I really have. to explain this how long have you been. watching the show um it has to have only.

been yeah okay you must not have heard. it enough for it to drill into your. system and that is why I will tell you. it is not a mathematical thing that. consolidating is bad for someone like. you mathematically you were probably. correct I hope so you consolidate all of. a sudden your credit card balances go to. zero what does that mean for someone. that defended him having the ability to. spend more money no no no I knew you. like there's $13,000 on this card I can. spend the few th000 when it's zero means. you spend it you spend it you you didn't.

fix your behavior before you. Consolidated so your credit card debt. goes back up and guess what happened it. did oh. guys fck. sake I just want to do this I don't want. to this I'm throwing a. fit.

okay you're not adults you're not adults. this conversation is pointless I wanted. to answer your questions at the. beginning you came here to just have. your opinion and what you thought was. good to be affirmed reaffirmed and I'm. not gonna cuz it's not fing true no do. not move in together you're strapping. both of yourselves to a ticking Time. Bomb known as each other don't get. together it's going toing ruin your kids.

life you guys are. horrible at personal finances I can't. speak for the other parts to life but. listen you guys also have lots of kids. with other people so maybe you just. aren't doing life well in general I. don't know what what do you want to. possibly say and I have two I know yes. that is what you said at the beginning. guy and guess what three is multiple. shut the up several it'd be.

several there is. nothing that can be done here and I'm. not wasting mying time with this bull I. am lucky that I've not had to end a. conversation in a long time but what the. is the point here I'm not going to talk. to two morons who just wanted me to. reaffirm their. opinion we're going to have pleasantries. we're going to record theing post show. because that is my obligation as someone. who has invited you here but there is. nothing productive to be done there is.

nothing productive to be done here you. guys are. literal. dumb you enable him you allow him to be. a child you how you've made it this far. I have no idea I have no. idea everything here is aing joke a joke. and guess what we didn't even get to the. spending statement didn't work not going. to every single page is just spending in. restaurants and bull and zins and dumb.

instead of while we're behind on rent. and getting getting getting from our. family yeah we're B from our family. we're relying on our girlfriend of only. a few months yeah let's do that let's go. spend our money on [ __ ] you're a. child you are enabling it you are. allowing it well you're also a child. yourself at the same time you just. present a little more mature even though. equally you are not you are not should. you move in together no not a single. fing chance should you guys be together. no you're going to drag each other down. into the depths of fuing pain and.

suffering and misery and it's going to. ruin your child's life this is a joke. this is a joke I hope we have some. giggles and bull in the post show but. this is aing joke Hammer Financial score. you haven't given that in a long time. I'll see you guys in theing membership. if you join elad I'll pay for it by. giving you guys a Thing If just prove. your purchase at members of Caleb. hammer.com and I'll can give you a Visa. gift card that can be spent anywhere. what aing joke make sure to download. budget and you won't be a joke like them.

why in Pay Lo and you still negative in. your. stupid checking account what possible. debt do I not know about so my former. employer says I owe them back you owe. your former employer how do you why why. why when did this come in. even. no to watch the financial audit post. show click the join button below.