Financial Audit's First Affair

I hear that you're literally having to. take care of a manchild and raise him. >> I don't see him pulling out his wallet. for that. It's a credit card. Okay. Is. that not money that I still have to pay. back? >> Always throwing people under the bus for. the exact stuff you do. >> No, I don't. What I'm saying? Hold on. >> So, you can cut me off, but I can't cut. you off. >> It's been almost a month. >> Since what? Since anything. >> And then before that, it was almost a. month. Do you not think I'm attractive? Do you think I'm fat? Do you think I'm. ugly? >> No. No. No. No. No. No. No. No. No. No. No. Guy, you're it. He's. spending a ton on only.

Hammer Elite is the best YouTube. membership on the platform and for the. rest of the month I am paying for you to. sign up. Sign up for Hammer Elite in the. description or pin comment below and. submit proof of purchase at hammer. elite.com. >> Hi, my name is is Alyssa. I'm 20 years. old. >> My name is Ethan. I'm 21 years old and. we're from Fort Worth, Texas. >> and this is Financial Audit. >> Yes, it is. Thanks for coming down from. Dallas Fort Worth to Austin, Texas.

Happy to have you guys here. Lessa, you're the one right in front of me. So, let me start with you. What do you do. for a living in Fort Worth? >> I work at a retail store and I also on. the side work as a barista at a coffee. shop. >> What's Yes, we know. And retail. What's your. position at retail? >> Um, I do sales. Retail sales. >> Okay. I mean, what's retail? Sales. I. sell items in a retail store. Like I. don't. >> In what capacity? There's a lot. There's.

actual sales and then there's sales. >> So I don't get paid like commission. I. get an hour. Okay. What do you make? >> Um $1850 an hour. >> Uh-huh. And how many hours a week are. you getting from that? >> 40. >> Now you are 20. I'm not going to. criticize having any of these jobs by. any means. Not that at all. What hits. your account per paycheck cycle for that. job? >> Um after my health insurance like a. thousand. And what's that paycheck. cycle? >> Uh every bi-weekly. >> 2,000 bucks a month for Okay. And. barista job, which I would trust your.

they them latte. I would be very. excited. >> I make a good latte. I make a good. latte. >> We know. That's what I'm saying. What do. you How many hours a week are you. working in that? What do you make? >> Um average of about 20 to 25. So it's. $10 an hour plus tips. >> Okay. Okay. Cool. And what hits your. paycheck per paycheck cycle there? Typically average. >> Average about 700. >> So you're working your ass off. I work. about. >> 700 every other week. >> Yeah. >> Okay. >> I work about 67 hours between both jobs. Average. Average.

>> You're grinding so much. Why are you. grinding so much with nothing to show. for it? 3,400 is what hits your account. on a monthly basis, by the way. Which, by the way, not I mean, for Fort Worth, 40,000 41,000 net at 20. I'm not at all. complaining with the amount of hours. you're working. Sure, it's a grind, but. I'm not at all complaining at that at. your age. I mean, it definitely because. I had a higher paying job like out of. like right out of high school. Um, that. it kind of sucks because I was working. less hours, but I was getting paid more.

>> So, that kind of sucks. Um, >> that kind of sucks. Sure. But like. you're grinding right now. >> I am. >> Why are things. >> um. I don't know. I just. like a little fun. Like a little. >> a little fun. Well, I hear that you're. literally having to take care of a. manchild and raise him from your own. words is what you told my producer, which is the only thing I read on this. list before I come in cuz I come in. blind to the audience. But it literally. says she said she told me she has to.

raise her manchild boyfriend and you're. out there grinding 60 hours a week or so. to raise him. >> He does work around the house. Oh, so. now that you're on camera, you're like, "Okay, let me defend him a little.". >> Yeah, I definitely cuz he works an. average of about 32 hours a week. >> Doing what? What do you do? >> Uh, I work in retail. I work in the. warehouse section of retail. >> Okay. And what do you make in this.

position? >> Uh, 16. >> What hits your pay your paycheck? >> Uh, about. >> 16,000. bi-weekly. It's like 900 to a,000. >> at least from what I. >> you have to pay for health insurance. I. don't. >> Yeah. >> On your parents? >> Yes. >> When we were talking about like our. average paychecks before it was like 8. to 900, sometimes seven. >> because they cut his hours a little bit. recently. >> Yeah, they only cut they cut my hours.

for this past schedule because we were. over labor. But it's like I see it as. like can they just they can't just send. you home all the time. Like they can't. just always. >> they don't they don't they don't send me. home. They'll just cut my hours. Like. whenever I was at work. >> Wait, how do you guys not even know. this? This this is the beginning of the. conversation. How are you guys not even. aligned on this? If this is literally. happening, >> I'm never home, so sometimes I don't. know when he's home. I mean, yeah, like. I can check his location if I want to, but sometimes I don't know when he.

works. >> What's checking location? It's a. different perspective on the hours that. he is working and why and how. you you guys are already disagreeing. about that. How. >> I just don't like I feel like I go. >> who's right. >> I feel like I'm right. Like I feel like. like I don't know when he's home all the. time, but I know what days he works and. I know what days he doesn't work because. he has the same days off every week. So. if he has the same days off every week. and he's working the same shifts every. week, how does he not have the same. hours? I can already tell this is a.

dynamic conversation between both of. you. That's what the focus is here. because I mean I I immediately have. this. Alyssa is convinced she's the only. functional adult in the relationship. through the conversation you had with. Colton. Your lip is shaking. Uh oh, she's nervous. Well, Ethan is convinced. that Alyssa's controlling, dramatic, and. needs to relax. >> Need to relax. I mean, >> these are what you guys said. independently to our producer Colon. Now, Colton, now I know you guys are.

sitting here. Uh oh, we're in front of. the camera for the first time. I get it. A little nervous. I get it. You know, these are people from the audience, and. you can be, too. And you guys are next to each other. It's not just a private phone call with. Colt today anymore. A little nervous. If. that's what you're saying behind the. scenes, it seems like out of the gate, the dynamic in this relationship is I. don't know how we deal with anything. financially. if like we have someone. that thinks they're adult running the. show and you think that that person who. thinks she's the adult running the show. is actually a controlling.

>> I mean. >> so what the is going on here guys. >> so my my hours are mostly consistent. >> that's not what I'm talking about I'm. talking about the dynamics that you guys. said and laid out to Colton before you. guys came on the dynamics in this. relationship the adult versus the. >> Cuz the reason I feel like that is that. Like I am working my ass off. Like I'm. working almost 70 hours a week. >> Yeah. >> Because I want to be able to.

>> I want to be able to put myself in a. better position. And I. >> Hold on. Dad's telling yourself, not you. guys. Yourself. Your yourself. This. isn't We're not approaching this as a. couple. >> because. >> Are we married? >> No. >> How long have we been dating? >> A year and a half. >> Okay. So yourself. >> And we want to we want to be married. >> Sure. But you just said yourself. That. is telling. Did you hear that? >> Because. >> she's not thinking as a couple. She's. not thinking of the future together. She's thinking herself. >> I think of when I think of myself like.

it's not just myself in the sense of I'm. only taking care of myself because I. also. >> Well, that's what you said. >> I combine it as like I want to get. myself in a better position because I. also want him to be in a better position. as well. Like I have to be able to work. on myself as well. Okay, that's an. interesting cope roll back right there. to try to look better. What? That's not. even an answer. That's [laughter] not. what I want to do better for myself so. he's better for himself. >> Yeah, cuz you have to be better. You.

have to be good. >> Yes, you have to be a good partner if. you're working on yourself individually. to also be good for someone else. >> Okay. Potentially. But I don't think. that's where you were going if we're. being honest until I called out how you. said the language that you used. But. either way, you say you're the only. functioning adult in the relationship. Tell me about that. because I like I. know when my bills are. I know what my. bills are. I know what all I owe. I know. when it's going to come out. And I have. to like remind him or like ask him, "Do.

you know when this is coming out? Are. you paying on your Amazon card? Are you. paying on this card? Are you making sure. all of your bills are paid?". >> So, it is like being a mother. >> A little bit. A little bit. Yeah. >> That's draining. That would be. upsetting. She has to mother you for you. to grow up and stand up in this. household and be a contributor to the. relationship. Especially guys especially. if you guys are looking to get married. You need her to mother you. >> I mean it it has gotten a lot better. than it it was before. >> Uhhuh. Is what every guest in the.

history of the world says. How about. let's actually talk about what's going. on. She feels like she has to mother. you. In fact, direct quote is she says. that she feels like she babysits you. So talk about that. Not the it got a lot. better because that's the ultimate. deflection that every guest uses when. they're being challenged on something. that is actually going on in the. feelings of another person where she. herself is saying. that she feels like she has to mother. you, babysit you. No, they got a lot. better. That is not the response. Face.

the actual reality. I mean she does she. does definitely have to um. >> why. >> in certain aspects just. >> why do you accept that. >> stupid answers for 200? [laughter]. >> I don't really know honestly like I. didn't sign up to be a product but. apparently I just might be. This right. here it is a multi-page report from a. data broker listing everything they know. about me. phone number, income, home. value, how many bedrooms there are. It's.

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but Aura keeps pushing. So try Aura for. free for 14 days at orura.com/hammer. That is more than enough time for Aura. to start deleting your digital paper. trail. Now, let's get back to the show. Hopefully with fewer companies stalking. you. >> She's she's better when it comes to to. understanding money and like. >> budgeting and all that. That's why. sometimes like I think about cuz we. don't have like one checking account. Like we both have our own checking. accounts that that's why I ask him all.

the time, has this come out yet? Has. this come out yet? Are you going to need. money for this? Do you have money for. that? Um and so I'm like like would it. be beneficial for us to just have one. checking account so I can take care of. all of it? But then I think should I. really have to take care of all of it? I. mean like. >> should she really have to take care of. all of it? >> No, she shouldn't. >> Why do you allow it? Like I went through. his mail one day. >> Why do you. >> tell me? >> I went through his mail one day because. he was out of town on a work trip for a. separate not with the retail company. He.

was doing some side work and I checked. the mail and I found his Amazon payment. had come in and I opened it and it said. he had a late payment. >> Bro, the is going on with you? Well, so okay. So what I I showed her. that. >> but he told me that he made the payment. Yeah. So, it was I paid it cuz on the. statement it showed it was like what the. second or the third or something that it. came in. >> But I paid it before the statement came. in before the. >> He said he doesn't have access to like.

his Amazon account. >> No, I have access to it now cuz before I. it wasn't letting me make an account. >> Like it said at the He said at the time. that he didn't have access to his Amazon. account to make the payment. So, but. >> were you not making payments before? >> No. Okay. So, I was making payments, but. when she sent me that, I had made the. payment before, but then I was trying to. log in to show her that I had made the. payment, and I was I don't I didn't have. like a user ID at the time for the. Synchrony Bank or whatever they go.

through. >> She said she was paying it as a guest, but I don't get how you pay it as a. guest. >> cuz all you had to do was just you just. had to enter in your card information. and that was it. It was your card. information and then the last four of. your social. >> Okay. Well, listen, here's the fact. She's wondering if she needs to take. extra control by combining checking. accounts to extra baby because she is. seeing that you are not able to take. care of things behind the scenes. And we're talking marriage. >> Playoffs. Don't talk about playoffs. You. kidding me? Playoffs.

>> What she told Colton specifically is. that she's been in relationships like. this before and never wanted to do it. again. How is marriage even on the. possible future? How's it even in the. possible future if she has vowed to. never go through this again and you're. taking her through the mud again? >> And I do really want to get married. Like I wanted to get married at like 2. or 3 years and we're already approaching. like our 2year. But he says I want to. get married when we're financially. stable, when we have money to do it. And. I'm like so what are we going to do to.

do it? >> Like yeah I get you know I have my own. habits. he has in his own habits. But. like if I like feel like I have to go. through his mail to make sure that he's. making a payment that he says he's. making cuz I just I had a feeling I was. like cuz he would say my feelings. >> Yeah. Tell me. >> He said I have a balance of $700 on my. card or I have a balance of $600 on my. card. I'm like why is the balance. changing? If you say you're not spending. on it, why is the balance changing? Like. why do you suddenly owe $100 less? But.

you know interest is also a thing. >> What do you think it is? Lies are. ignorance. I just think he doesn't know. >> So ignorant. >> because I check my statements every day. I check my statements every day. I check. my discover card every day. Like I know. >> How do we correct the lack of know if he. doesn't give a is he showing any effort. to try to correct the lack of know? >> I mean I have. >> what I she had to go through your mail. to find out. >> I I do look at it. I don't look I. wouldn't say I look at it as much as she. does like how she looks at her.

statements. I'll look at my statement. like when I pay it and then I'm like, "Okay, I'll need to pay it by like I. know my Amazon card is the second of. each month." So, I'm like, "Okay, I. have, you know, until the second to pay. it." And then when I look at it, I'm. like, "Okay, I have $48 to pay next. month and then I'll pay it.". >> But it's like, like I said, I always. know how much money is on my cards. because I check it literally every day. And I'm not saying you have to check it. every day, but like you're telling me. almost every time that we talk about it.

that the balance is different. Like so. unless you're either getting something. on it, then you're not telling me or. you're just not being honest about it. Like how does that just change? I mean. there other than the that late payment. that's the only thing that has changed. because I don't use the card anymore. >> So then why can't you give me an exact. number when I ask what the balance is. >> cuz I don't look at the number cuz I.

Okay, >> that's exactly what I said. >> To me what I don't really care about. looking at the number because like I'm. have to pay it anyways. So, as long as I. know how much I have to pay and when I. have to pay it, then. >> So, like this is what I'm talking about. though, like how I've said I make a $300. payment here or I make a bigger payment. here. Like, you know, the minimum. payment you have to make, but how do you. how do you plan on paying it off in less. than however long it's going to take.

just making your $48 payment without. like, oh, I need to make a bigger. payment here. I have extra money to make. a bigger payment here. >> Because I don't I don't always just make. the minimum payment. >> Yeah. used to do autopay on your cards. and then you have used to have to. dispute the autopay because you didn't. have enough money to do it. >> Oh my gosh. Why do you think he has the. lack of care into investigating and. finding out kind of what's going on? >> I feel like we grew up very different. financially. Like his dad makes so much. money. >> So he grew up rich. >> pretty much pretty much grew up with a. lot of money. I grew up like my parents.

were really lucky that the house we. lived in cuz we're not from Texas so the. their house was a lot cheaper. Texas is. pretty cheap, but okay. >> $600 a month for a three-story house on. two acres of land. >> Well, it depends when you buy it, but. sure. >> I mean, they rented. >> Okay. Well, either way. Okay. So, you. had. >> My parents would struggle with that, right? >> Yeah. Struggle with the $600 month. payment. That's pretty brutal. So, you. grew up rich and privileged, so now. you're not actually looking to So, >> you didn't have to fight for anything.

>> For when I was growing up, my dad, he. wouldn't let me like with my own. personal paychecks I would get, he. wouldn't let me buy anything that I. wanted. So, boo. >> I feel like. >> Wait, your own personal paychecks. How. old were you? >> 16, 17, I was working my own job. >> For all of my stuff, though, when I got. my first job when I was 14, >> even when we were like, when we first. started dating, my dad would not let me. spend my money. And. >> what does that what does that mean? >> Like, he [clears throat] wouldn't let. like he wouldn't let me spend money on. things that I wanted. Like, if I wanted.

to go. >> What were you asking for? What were you. trying to do? What do you mean he. wouldn't let you? How would he not let. you have access if I wanted to go get a. new pair of shoes or something? I would. come home and I would get. >> $2,000 building your PC. >> Yeah. But that was over the span of like. a year. That wasn't. a ton of money when working like a. part-time minimum wage job in high. school. >> If I would go and get like shoes or. something, he would yell at me about. spending, you know, hundred something. dollars on shoes. And I'm like, it's my. money. Like, >> well, sure, your money, but maybe trying. to teach discipline and budgeting. >> I bought everything for him, though.

Like, that's what I'm talking about. Like, his dad his dad still pays for. some of his stuff, which don't get me. wrong, like my mom still pays for some. of my stuff here and there. your ages. I. don't have a problem with that. But it. is enablement or the lack of learning. things. Maybe he was trying to teach you. that you need to actually value money. You shouldn't just blow it all and you. should possess on a side. >> Yeah. >> Well, what was he trying to say? What. was he saying? >> He he would literally just say you need. to stop spending money and that. [clears throat] was it. >> Was it correct? >> Yeah. >> Well, there you go. >> In the grand scheme of things, it was. looking back at it. >> So, what what how are you taking that. you're using that as a cope for why.

you're now? >> Well, I think that's what you brought up, big. guy. Part of the way I look at it is if. I have if I have the money to pay for. the stuff that I need to pay for and. then if I have some remaining money over. then I'm going to spend it. >> But he does that but he also doesn't. like he's not saving anything. Like. guess I do the same thing to an extent. but I have I have a savings. >> Then how are we getting to a marriage if. we're so disconnected in our goals and. what we want to do? >> I just hope we can win a game. >> I understand different backgrounds.

that's okay but you guys are coming one. into a partnership. How the are we even. going to get that? I mean, she calls you. an instigator enabling her uh blames, but you blame her for enabling your SP. So, he blames you, by the way. He blamed. you to Colton for enabling his spending. >> I don't feel like I enable the spending. I feel like we both spend. Like, he can. go buy stuff on his games. I don't tell. him to buy stuff on his games. >> Why do you say that? Why did you say. that to Colton that she enables you to.

spend? I think what what we said was. that it's more of if if she wants like. if we want to go out and do something. like she pays for one thing, I pay for. one thing and then if. >> But how is that enabling if we're. splitting it? >> Well, like some other stuff like. >> that be me saying I'm going to have you. pay for all of this and it's not coming. out of my bank account, but it still. affects us like we live together. Like. we pay the same bills. Like how is that. how is that enabling if like we agree to.

go do something? Like you asked me if I. want to go see the Five Nights at. Freddy's movie. >> Yeah. >> I'm not saying we can't do anything. I'm. not trying to say that at all. But. again, we're throwing each other under. the bus. You call him an instigator. You. call her enabling spending your money. Not saying we can't do anything. I'm not. saying we shouldn't treat ourselves here. and there, especially within a budget. I. mean, okay, combined household income. for you guys right now. net. We got the. 3,400 from Alisa and 1,800 from Ethan. That's $5,200 a month. It's not half bad.

at our ages. That's c not even close to. bad. I'd say that a pretty powerful position. $62,400 a year. You're in that median. for the area terms of net income. You. guys ain't doing half bad. Well, we're. not aligned at all. And it's just like. that's what sucks to think about. sometimes is like that sounds like a. good number. It sounds like a great. number. It's well above your age. >> Like again I'm working like almost 70. hours a week. >> Okay. 70 hours a week for what? What. does the household spend going out to.

eat last month? >> I mean we kind of died down going out to. eat. >> 200 maybe. >> It's interesting how he keeps saying. they've gotten better when I have the. numbers literally right in front of. them. Dumbass. >> Well, I mean we have like we used to go. out to eat. >> like every day. for Ethan. >> About 200, but before is way worse. >> 200. >> Okay. Yeah, it was $946.87. What the are you talking about? What the. are you talking about? Let's stop. pulling out of my ass and accountant. looked through your numbers and made the. spreadsheet for me.

What the are you on about? Got. better. You don't know what the you're. talking about cuz you don't look at. She said you don't look at. She had to go into the mail to look at. your cuz you don't look at your. You can't say 200. I don't know. how you said 200. You say you look at. your but combined as a household, it was nearly n. It was nearly. >> So, I do feel like I like I have. recently started eating out more than I. did before because. >> because I work a I work two jobs. I work. two jobs. I work like one of my jobs is.

5 minutes away from my house. Other jobs. that now you're just working more hours. so that you can eat out. >> But when I eat out, it's only like. because you're working more eating out. >> Then how can you say 200? Ethan, >> he works. >> Wake up, Ethan. Ethan, wake up. >> I am awake. >> That doesn't sound like it. >> How are you saying 200? I mean, I It. just doesn't feel like it's. >> No, think of it this way that if you go. to Chick-fil-A almost every single day. you're at work, which is right down the. like not even down the street. Like, it's in the next parking lot from where. you work and you spend $12 every day.

you're at work on Chick-fil-A. Do you. think that not it doesn't add up over 30. days? I. >> mean, yeah. But I don't I don't always get. Chick-fil-A though. Like I know I get a. majority. I don't get it every day. >> $1,000 going out to eat is what this. household did. >> And yeah, when we like when we go out to. eat, we'll spend maybe I think the max. we spend is usually $70 when we go out. together. But like that's we do that. maybe twice a month. So obviously if.

we're eating out on our own, which like. I said, I usually pack my lunch now. So. I pack my lunch. >> You just said you ramped up eating out. You guys make no sense. You are. contradicting each other. You're owning. yourself. >> It's like half and half now. So. >> half and half is insane. Half and half. is crazy. That is way too much money. What are you talking about? >> Because all like yesterday I packed my. lunch, but I forgot my lunch box at. home. So I was already. >> That's a day. That is not half the days, you tit. What are you talking about?

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to be at my second job at 1:00 and I. don't leave my first job until 12:00. I. go straight from my first job to my. second job and I don't have any food in. the morning other than what I can make. at my job in the morning. So then yeah, sometimes I do have to buy lunch. >> Here's a little fun fact of the second. job you have that brings in $1,400 a. month. A THOUSAND OF IT IS GOING OUT TO. EAT. YOU ARE WORKING so that you can go. out to eat so that you can work so that. you can go out to eat. You wouldn't have. to work so much if you didn't spend all. your money. >> But that's also that's combined though. So. >> it is combined. Call it half. You're.

still working youring ass off. And he's. suggesting you go out to eat more than. him anyway. >> How how would I go out to eat more than. you? >> Oh, you say you go half the days? >> Maybe half the days I work, but he goes. almost every day he works. >> Ethan? >> Yeah, I mean I I would say I do go more. than she does. >> Why? You make less. What the are we. talking about? >> And it's like we buy stuff to meal prep. Like we buy chicken and rice and we plan. to make the food, but sometimes I don't. do it because. >> how do we fail? How do we fail? Are we. just completely lazy? Ethan and White.

Froggen together at last finally and. they're just going out to eat every day. of their lives. >> Well, like I said, like we buy stuff to. meal prep, but I don't always get the. time to meal prep because I work all the. time. I don't get home. >> No, that's not what meal prep is. Meal. prep is in the limited time you do have, you meal prep so that in those long days. he's home more. So, cuz he likes to. cook. >> Well, why aren't you doing Why aren't. you doing? >> Cuz he doesn't know how to the chicken. He doesn't know how to cook. Oh, in the way that you do. Don't make.

it the way she does. >> He used to use our grill all the time. And the chicken he makes on the grill is. really good. >> What is wrong with. >> buy a new grill? Huh? >> We can buy A NEW GRILL. >> BOIL IT. >> YOU KNOW, YOU KNOW HOW MANY TIMES boil. chicken? >> No, I'm just saying you can cook it in. so many ways. Put it in the stove. It's. the easiest damn thing you've ever done. in your life. Like we we bake chicken. with the foil wrap things that you make. Like you've done that before. >> We don't do chicken. We do sausage. >> Oh, sorry. >> Oh my goodness. What is wrong with you?

Are you miscellaneous This. could be video games. This could be uh I. think stopping in and getting an energy. drink. That kind of stuff. Miscellaneous. Proven miscellaneous. What do you think that was last month? It's just all that extra stuff out going. that that is not going out to eat, but. it is Could be a lot of boooo. What do you think? M I'd say probably. 500. say 500. >> Okay. $2,65943. You guys are broken. You guys are. broken. You guys are broken. Take that. Combine it with your uh going out to eat.

spending and Oh, that's your entire. income. already gone. More. No. No. Not even. close. That's. spending. $946, which by the way, there were other large. purchases of $1,590. We don't know exactly what those are. yet. They could be they could. be not. But provable was. provable was $3,66.30.

He's the villain. She's the villain. You. guys are both the villain. You're. spending 70% of your household income on. you Contributing nothing, just. fun slop. >> Well, it's like I see it as like That's. >> But I like some of that. >> That's good. But you can't complain. about work anymore cuz you're not. working for necessities. You're working. for So it's now I'm no longer. giving I I wanted to give you a. handshake at the beginning like she's. grinding so she can take care of the.

household. No, you're grinding for. wants. So you can no longer complain. about your grind. You're only grinding. for the things you want. You wouldn't. have to if you weren't spending all your. money on You could cut your. hours. Absolutely. Probably not anymore. cuz we got to pay off debt. But before, yeah, you didn't need to do all this. I. don't want to work like two jobs longer. than. >> I don't give a Obviously, you want the. more than not wanting to work. those jobs because you're working those. jobs to pay for your What was. it? 3,600. You what are you talking. about? It's twice his income. What are you.

talking about? >> But again, like with that being. combined, like. >> I don't know. >> 70% of your combined income. >> Yes. >> I don't know what he spends his money. on. Like I don't know. >> Do we not have these conversations at. all? we're planning to get married and. you don't know what he spends his money. on. >> Like he'll tell me every once in a. while. >> Oh, >> That like he'll buy something on his. game or like I mean I just assume every. day that he's going out to eat. Like I. just assume cuz I know he doesn't pack. his lunch and if we don't meal prep, he.

doesn't take lunch with him other than. like if we have leftovers from we went. out to dinner the night before or. something. >> Guys, what was our outflow last month? Outflow. We know your inflow bought that. 5200. What was your outflow? outflow. >> I don't think it would be more than what. we make. >> Ethan, >> I wouldn't be surprised if it was more. than what we make. >> I don't know how it would be if I'm. barely spending on my credit cards. anymore. >> Well, if it's. >> What do you think, big guy? >> I think maybe 4,000.

>> Okay. E. >> I think around there, too. >> Okay. $6,411.17. You guys can't guess to save your. life. [screaming] lives. >> We were closer this time though. We were. closer than the first time. >> Still, you're broken. >> Do you guys not talk at all? Do you guys. not communicate? Cuz you guys have no. idea what the is happening in this. household. >> Not for a single. >> like we haven't I feel like cuz I used. to ask him questions a lot more cuz or.

that's not an engagement ring. >> It's a promise ring. >> Okay. I was going to say cuz we're. getting there. That is the finger. >> Yeah, it's a promise ring. >> He has a gay one. Okay. >> It's Darth Vader. It was his early. Christmas present. >> No, I love Star Wars. I don't give a. about your passion about Star Wars. You guys don't talk. >> Well, it's like when he was out of town. and I found his statement like I texted. him. If you don't want to talk about. this stuff anymore, fine. I'll take care. of me. You take care of you. But I'm not. going to split.

the text. >> Oh yeah. Oh, and don't you worry. We're going to. go all through those text messages and. find the drama in the post show. We. always do. Hammer Elite number one on. YouTube for a reason. >> It was a while ago, so it might. >> search. >> I feel like we don't really. >> we don't really talk about that stuff. over text. >> Oh, or talk about that stuff at all. >> I mean, we we don't. >> like a lot really. >> When did we go to Buffalo?

>> September. You went to Buffalo? >> His his dad paid for it. >> So, you went to Buffalo? It was my first. NFL game. >> in Buffalo. >> I don't know anything about football, so. I was fine with just like I was happy to. be there. It was my first NFL game. >> First NFL game. You live in Fort Worth. >> Yeah, but the Cowboys suck ass. >> Huh? >> The Cowboys suck ass. >> How are the Buffaloos? >> Good. >> Buffaloos. >> I think it's on McMillan. I mean, he's. got it up top, but I thought he lost it. as he was falling toward the ground. there.

>> You had to go to Buffalo for it. >> Buffalo. >> We went to Niagara Falls. We did go to. diagrams. That's nice. >> So, >> here we go. Here comes the slop. Give it to me. Give. it to me. >> So, it's kind of a long conversation. >> Oh, I bet it is. Take me to the top. And this is what I live for. We're. putting it on screen. We're blurring out. names. It starts with what you doing. from her. Ethan says taking a. [laughter]. She says your Amazon card is over the.

limit by $100 plus and you're late on. your payment. Ethan says my payment just. went through. I paid $150. She says, "I'm looking at the statement right now. You told me it was like a $800. When you sh quiet, >> when you looked at your bill a few weeks. ago because you said you needed to pay. it at the beginning of October, it. literally says it's late and your. minimum payment is now $200 plus." I. don't know why you're like not telling. me this stuff. Like you told me, you.

looked at your Amazon card when we. talked about this about a week ago and. told me it was around $800. I'M UPSET. BECAUSE I DON'T EVEN KNOW WHAT TO do. about this anymore. Like, I try helping. and telling you that you can be honest. with me and I won't be upset, but seeing. that it's over the limit and late makes. me feel like it just went over my head. I'm not trying to blow up about it. I'm. just upset. You're kind of blowing up. about it. >> Well, says, "Well, okay. I don't know.

why it's showing it's $200 plus and late. when I paid $150 3 days ago, and that. was more than what my minimum was. It's. not even letting me log into the. account, so I can't even prove it 2 days. ago. Correction." She says, "You don't. need to prove it. I'm looking at the. statement. You have a late fee." HE. SAYS, "NO, I DON'T NEED TO PROVE IT. BECAUSE clearly you're not believing me. that I paid it when I did." We'll see it. in these statements. she says or and. then you say Ethan says they print the. statements out early. She says okay if.

you said you paid the $150 that's fine. but it doesn't lie about the fact that. you've had a late you have a late fee. meaning you did not pay in time for. September or you didn't pay September at. all. Also doesn't change the fact that. you told me there was about $800 on your. card. I'm not going to argue about this. Call them or something and see if. they've waved the fee, the late fee. maybe. I don't know. I'm done talking. about this stuff because I really don't. feel like it's going to do anything. anymore. I'm not mad at you. I'm just.

disappointed. That's the heavy hitter. And it's not just wrong of me to be. upset. And it's not wrong of me to be. upset with you telling me one thing and. saying it's otherwise. Like I was. feeling better about this stuff after we. talked about it and I felt like you. reassured me the other. So you were. manipulating or kind of leading her. astray and it it being okay. I don't. feel like you're understanding it from. my perspective. How are we going to like save for. anything? Move out on our own. You guys. don't live Oh my gosh. Pay for the boys.

stuff. >> What's the boy stuff? >> Um, that's kind of interesting. >> Okay, hold on that. [clears throat] Get. a house, get our own car insurance, be. able to still go out and do the things. we want if we can't be on the same page. about this stuff. I'm not going to drown. like my parents do. take care of it and. be honest with me. She sends the thing, the you know the statement. You sent a. screenshot of the minimum payment due. She sent in big old keeps going. Okay,

this still doesn't change that you were. late on your payment when you said you. were going to take care of it and that. you told me last week your balance was. around $800 because you said you looked. That is what I don't understand. If you. if you want your own finances and I and. I have my own life, fine. I'll leave you. alone about it. But I don't know how you. might expect us to progress and have. stability with this stuff if you can't. even talk about it or figure it out. All. I've tried to do is help, babe. But I. can't anymore if this is just what.

happens. That's why I asked specifically. if you want me to help with the budget. Help you with a budget. Write it out. Look through your account with you. I've. offered to take care of of it for you. and you just say you've got it. Well, should you take care of it for him? I. don't know about that. You should work. with him. Work with each other. Help. each other. If you say you've got it, please don't let this happen again. I'm. done talking about it now. He says, "All. right, I paid more on it, so not a. problem anymore." And it hasn't happened. again. >> We'll see. I'm going to go through it. So, what is the boy?

>> So, do you want to do you want to explain or. do you want me to explain? >> So, we have my two little brothers are. living with us. >> Uh-huh. >> Um, >> living with you, but it sounds like you. guys live with someone. >> We do. We have two roommates. >> So, it's us. >> Oh, so you're not with your fam? No, >> no, we live together. >> We have our We have our own house. Yes. But two roommates. >> Okay. >> So, we have two two teenage boys living. with us. >> Um. >> they're 13 [clears throat] and 14.

>> Yeah. Um so that that. >> you take care of them. >> Yes. >> Yours? Your brothers? Yes. >> From your rich parents? >> No. >> Oh. >> From. >> How do you have other brothers? >> From his mom. >> My mom. >> She left. She fleed. >> She's just not really. >> That's fine. So, you're taking care of. them. So, you got to uh you're you guys. are raising them. >> basically. >> How old are they? >> 13 or 14. >> 14. >> Okay. What's the permanent solution on. this? Are you guys with him in the play? >> We don't necessarily have a permanent. >> There's no other people in the family. that are more stable.

>> No. No. Not at all. >> And his dad doesn't even not. >> because they're not his. >> They're not his. But it's still you. >> My dad doesn't care. >> There's very like this is the situation. we came into like when he moved in. So, originally we signed or I signed the. lease of the house in November. >> Uhhuh. This November. >> Last year, sorry. Last November. Because. my roommates or our roommates were. looking for a house cuz they had to move. out of their house by kind of by where.

my mom lived. So, my roommates and I met. at my old job. So, we like the day that. um like they were talking about going to. look at houses. They asked if I wanted. to go with them. And um we found a house. because my parents were looking at. moving back to Ohio. So I was like, I'm. going to need somewhere to live because. I don't want to move back to Ohio. So. >> wait, but the the the the the kid's. father has custody. >> Yes, he does. >> He is conservative. >> Why does he just do it? >> Because he lives in a motel.

>> Oh, good. >> Yeah. >> What are we doing? >> So the the thing is is he he makes the. money to, you know. >> Is he a drug addict? >> No, he's not. Why is he in a motel? >> Because he doesn't need a house because. in the sense so I've not needed a house. like the way they did it which makes. zero sense to me is he has he's the. conservator so he's the main one. He. lives in a motel because he gave my mom. full custody of them basically. So.

>> it's split. It's conservatorship. >> Split custody but they would live with. her basically full time and see him on. the weekends. >> Okay. Okay. So, we're budgeting in them. until we can figure out a situation, which that all of a sudden makes the. 5200 SUCH A LOT a lot. Well, you you. needed to stretch further. And I don't. understand how you can spend 70% of your. money on if we have two kids to. take care of, two teens to take care of. >> We buy for them, too. >> I'm sure, but that's not what they need. >> They have everything they need, too, because. >> we'll see. I don't know how you guys are.

going further into debt. If you can't. pay your if you can't pay your rent and. you get evicted, we've never been laid. on rent. what everyone says until they. can't and then they get evicted. You. guys are Hey, you're headed down that. dangerous path. That's what you don't. understand. No one sees it while they're. in the storm. Okay, you're in the storm. This is what every financial situation. looks like when people are headed on. their way to no longer being able to pay. their bills. Takes one layoff. What. happens if the income source gets. disabled? Who knows? Gets hit by A CAR. YET NO. LIFE is crazy. Life is crazy. We.

are in an economic precar precarious. situation. interest rates not going down. fast enough for uh the job market to. fully recover because you know inflation. is not where the Fed wants it. Okay, very good. Job market's not great. We're. having like interesting job growth. Some. months negative, some months positive. Positive. You might get laid off. You. might get laid off. We don't know. Retail might slow down. We'll see. Typically does in a recession. We don't. know if we're in one. >> Well, you don't know. You cannot say.

that you are okay. You've paid rent up. until this point. You guys are in a. scary situation and you're going further. into debt. You spend more than you make. and 70% of it's on So I don't. want to hear that. So what they need is. security. Do you have a fully funed. emergency fund? >> I have started. you. >> I have I have a. >> You have started. you. >> But at least starting is in the better. direction. >> The better direction, but you would have. a lot more if you weren't SPENDING 70%. ON. >> WELL, I have matter. He's the one taking.

care of the kid. If you if you guys. break up, you're not taking care of the. kid, you t. So, it doesn't even matter. He has nothing. >> Goes to Chick-fil-A every day. >> Mhm. What do you guys think the combined. household financial score is? 0 to 10. Zero being the worst, 10 being the best. >> Probably a four. >> I think a three. >> If you want your financial score, get it. for free at calebmer.com. Take the. assessment. Just takes a few minutes. It'll tell you where you stand in the. world of money, where you need to.

improve, what you need to do to improve, and where you're already doing pretty. darn great. So, just check that out. Link in the description below. And if. you don't want to be like a guest who. ends up on the show, you got to download. the Dollarise budgeting app. Best. budgeting app out there. It caters to. you instead of forcing you to do things. like other budgeting apps. It's not ran. by these private equity companies that. are just trying to collect your. information. It is an actual good. budgeting app that works for you. Check. it out. Dollarise.app. There's a free. trial. See if you like it. And if you. do, sign up for the annual version like. the majority of users do because you get. my budget friendly cookbook signed by.

me, mailed directly to you that only. exists for about a month left and then. it's gone forever. Can't be purchased. So check it out. Let's talk about. Discover it. Whose card is this? >> Uh it's my card. >> What the is wrong with you? You are. spending on this. You said you're not. spending on cards. Liar. You. >> I don't know. I literally don't know. what to charge. Okay, then shut the. up. What the Did we just do this entire. 42 minutes leading up to this? You. started with I never spent I look at my.

statements every day. How can you say. you don't know what's happening about a. charge that you said never? WHAT ARE YOU. DOING? THAT'S IMPOSSIBLE. What a lie. >> Well, because I know. >> cancelled die. Hey, >> what do you think about this? She just. threw you under the bus for 42 minutes. and look at what just happened. >> I mean, I I know I know about that card. Um, >> yeah. But she literally just nuked. herself. >> That's okay. That's the card that we we. use or I guess she uses because I don't.

use it. I don't I'm not an authorized. user on it. >> Hey guy, I am talking about the fact. that she said she looks at her. statements every day and she doesn't. spend on her credit card. Well, she did. and she doesn't know what it's for. How. could she possibly say those things? Come on. She threw you under the bus for. 42 minutes. What do you think about that. perspective? >> She will buy She'll buy Laboos. She'll. buy blind boxes. >> What is wrong with you? We used. >> I haven't bought a Lubu in like 2. months. >> You almost bought yesterday. >> It wasn't It wasn't a Lubu. >> You were looking. >> Oh, come on. It doesn't matter. >> It's a blind box. It's the same thing.

>> Gambling. >> That's Yeah, but we I guess we used. >> So, I opened this card right before we. got together. >> She used a You're using it while you are. together. Well, so what I'm trying to. say is that I opened it right before we. got together and honestly as soon as we. got together was when I started spending. on it because the only thing. >> Hey, it's your fault. You hear that? You. hear that, Ethan? It's her fault that. you guys got together and she's spending. on the credit card cuz you guys got. together. It's your fault, big guy. >> Only thing I had put on the card before. we got together was my friend was going.

to Six Flags and I was I asked my mom, "Should I put my Six Flag season pass on. here?" And she said, "Yes, as as long as. you pay it off right away.". >> Here they do. It's your fault. I mean, >> well, I spent I spent $400 on an Airbnb. for us to go to Lake Whitney. >> She uses that. She uses that for for. stuff that we go. >> I see how you said we use it at first. and now it's I use it. >> Well, cuz I mean you do use it. I'm not. an authorized user on the card. I can't. use the card. >> Yes. But nine times out of 10 when I use.

it, it's when we're together. >> If you let me finish, that's what I was. about to say. She she uses it when we go. do stuff. So, you know, Airbnb, we go to. concerts or stuff. She'll use it for, you know, concert tickets. >> Like when we went to go see Bad Omen. last year, I spent for all of I paid for. all the tickets. I paid for all of the. merch. I paid for all of the food. Like. I paid for all of it with that card. >> I don't see him pulling out his wallet. for that. That's. >> a credit card. >> Okay. Is that not money that I still. have to pay back?

>> It is, but it's. >> How about when we went to Lake Whitney. and I spent the $400 on the Airbnb and I. said, "Hey, I'll split it in half right. now. I'll put it on my Discover card, but I need you to pay me back when the. second half comes out. And you didn't. >> You didn't? Did he agree to it? >> Yes. >> Did you dick? >> Dick. Dick. >> Is your credit cards good? Yeah, the. they are. Your family hated it. Uh, in. the post show, you did reveal that you. were still receiving money from a client. from your stripping days. Are you still.

receiving money from him? >> I am a very patient person. My mom is. disabled. I have been taught patience. >> My family hated it. Should we get into. that? >> I would love for you to just use your. words and not shut down to the point to. where I do yell. Said that I would pay. for the gun that we bought on your card. >> So, are you safe, Pixie? >> That's kind ofing stupid. I'll be.

honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use. Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Chime. GET THAT $350 RIGHT NOW IN.

YOUR CHECKING ACCOUNT. >> SO, it's like, yeah, he'll say, "We we. used I use it.". >> Dick, >> we just we just forgot about it. Like, it never. >> You didn't forget about it. I reminded. you like three times. But if So, because. that's what I'm talking about that like. we we sell each other back and forth for. everything because we do such a weird. split. Like half the time we pay for. stuff with my cards. >> And. >> you said you don't spend on your card. The balance went up on this card. So, you're backtracking everything. You're. >> a liar. Card, >> huh? Like when we sell stuff, it's. debit. So like if it doesn't matter.

she's spending on this card. >> She said she doesn't. Liar. >> I don't know what's on that card because. I genuinely haven't used. >> You look at your statements every day. Liar. >> I do. I do look at your statements every. day. I'm not lying. It may be the. interest charge, but I do not spend on. that card anymore. >> Liar. Liar. >> Dude, I literally see charges right. here. And this is your most recent. month, so I don't want to hear it. Like. what the you talking about? Hey, big. guy. How long do you think this takes. her to pay off if she doesn't purchase? She's a liar. So, she can't actually not. purchase if she only makes her minimum. payment. The balance is 294344,

which is up from the previous month with. an $85 minimum payment. If she only. makes her minimum, since she doesn't. purchase, which she always does cuz. she's a liar, how long does it take to pay off? >> 6 years. >> That's interesting. 12. So, that's 12. years of your marriage. maybe 11 years. of your marriage is going to pay off her. card from her little boo boos of which. she purchases on. So, it's actually. going to be like 20 or 40 years. Thoughts, Ethan?

>> This is a long time. [applause]. >> Oh, that is a very well thoughtout. thought. Insightful even. That's a long time. Froggen, >> where are you getting this? What? What. are you talking about? >> I don't know. Well, they said earlier. that I look like Billy Eyish, so. >> um. Huh. I could potentially see it. Do you. have like the biggest tits in the world? >> I mean, they're not bad. Okay, well.

done, dude. Billy. My gosh. >> I wish. >> Oh my gosh. What up, >> Billy? >> Yeah. You. >> Billy, >> you wish for the the life of back pain. I mean, you already have back pain, but. >> I have scoliosis. >> She can have back pain. Doesn't affect. me. >> [laughter]. >> Okay. Um, so yeah, Frogan, >> right? >> 12 years. >> And like I said, I feel like cuz most of.

this stuff, >> what does it feel like. >> feel like? Most of the stuff that is on. this card, like yes, I do buy my. trinkets here and there with this card. and that's. >> the card that you never spend on. Most. of what was on that card to begin with. though was from both of us or things. that I would need for both of us. >> They are moving. They are kind of. >> together. He was working an average of. what 20 hours a week maybe 25. >> Bye-bye gold post. There they go. Not. only did I not spend on the credit card, but now it's Well, yeah, but a lot of.

the spending before was because of, you. know, this over here, this. horrible boyfriend. So, like when. Discover was doing like their 5% back. for groceries, that's the card we would. use for groceries. So, we would. >> go see. Oh, I can't even see them. anymore. Damn, they're gone. If only they were the size of Billy. Isish's tits, I could see them for. miles. You said you don't spend on here. >> I don't. I. >> Oh, that's interesting. $38.55.

$38 is better than when I used to spend. hundreds on it. >> Oh, go post. There they go. Oh, crossing the Atlantic now. $64.95 of interest acrewing on a credit. card that you cannot pay off cuz you. only make your minimum payment that you. are purchasing on. Why are we purchasing. on a credit card that we cannot pay off. that is acrewing interest? What the. are you doing? What a disaster. What an. embarrassment. You say he's holding you. back. You want to get married?

>> I am not making late payments. >> At least I'm not making late payments. At least I'm making my payments on time. >> How do you deal with this? It must be. real nice if you're willing to put up. for this. Ethan, I mean, >> Ethan, wake up. >> I I don't have any late payments. Not. Not anymore. Not that's. >> I wasn't necessarily asking you for to.

do a rebuttal to her, but it's the fact. that she is throwing you under the bus. Her potential life partner. Anytime. there's any valid criticism towards her, it's Yeah, but Ethan's a little. Sorry, I said that. Not her. She says. you're a little I mean, she can. she can throw me under the bus, but I. mean, it's I mean, that's her card. like. >> I have spent almost everything that's on. there was for us. >> I don't use I pay for it. Okay. Yes. You. don't use Loos but you know.

>> it's everything like the bigger. purchases that have gone on that card. The trip to Whitney, the Bad Omen's. concert, the groceries that is for us. When are you going to help me pay for. it? >> That is for us. But whatever however. much is on there the what how much you. say? So, you have to think it was $400. to go to the Bad Omen's concert and then. about $200 in merch and then the Airbnb. was $400 and then the groceries we. bought in Whitney. >> That adds up a lot quicker than you. think it does.

>> Yeah, I know it does, but that's still. not. >> It ain't Hello Kitty. >> It's still not all of it. >> What's on there? >> Not anymore, at least. >> Uh-huh. says the person spending money. Uh, you're no longer a reliable source. of information. Hello Kitty. That's what. putting our future off is worth. That's. more important than our kid brothers, our teen brothers that we're taking care. of. >> Well, they get Pokemon instead. >> I get help. >> That's more important than making sure. we have any kind of safety net. whatsoever just in case anything happens. and keep a roof over their head and.

utilities and food. >> I have a roof over my head or I have a. blanket. >> and he has So, it goes like it goes both. ways. Yes, I have Hello Kitties. He has. how much money put into his games? >> How much money, Ethan? Uh, I think I. just looked the other day and I think. over over the span of 10 years for my. Steam account, it was like $3,000. >> Chunky skins. >> Games. >> It has to be more than that. >> If they're skins, sell them. >> You can't sell. >> No, no, no, no. Not like that. Like.

other games. >> I don't know how much you've spent on. just Fortnite. >> Oh gosh. I mean, within. >> Exactly. >> But I mean, that's within that's also. within. >> within 10 years, but it's still a big. number. Yeah. >> So, you can't say that I'm wrong for. doing these things, but you'll do them, too. >> Yeah. But it's. it's I mean, it's not much different. But, I mean, at the same time, that's. those stuff like that's not on a credit. card. Like, my stuff was all. >> Just because it's on a credit card.

doesn't mean that you're not spending. it. >> Yeah. But I'm not in debt on it, though. >> But I'm not You're not putting anything. into your savings. >> Yeah. You're still not actively. >> Yeah. paying for a credit card though. I. mean, I am, but not not in. >> At least I pay on my credit cards. At. least I'm not late on my payments. >> I I am paying all my credit cards. >> Just cuz I just cuz I don't put the the. that I want on a credit card. doesn't mean that I'm in the wrong or it. doesn't mean that it's it's any. different.

>> Like, it's. >> it's on a it's not a credit card. It's no different than you saying, "I'm. gonna like you buy like little things on. your Best Buy card all the time. Stuff. that's not even at Best Buy.". >> Interesting. The thing you purchased, Best Buy. Always throwing people under the bus for. the exact stuff you do. >> But he's doing the exact same. >> Oh, [laughter]. go. >> You got me. >> Oh my poor man.

Oh my poor man. Those th those things. better being sucking all the oxygen out. of the room at this point to stick up. with this. I mean, they're pretty nice. They But. they have to be. I don't see any other. way. Nice. You got blue eyes. They're. nice. >> Thank you. >> Yeah. Best Buy. And you were saying he spends. all his on Best Buy. >> We spend a. >> Oh, it's become we conveniently has. >> It was We to begin with when he started.

this. He said we we use this card. >> No, no, no. Your language. >> He said, >> "Hey, Septum Piercing, you said he he. No, before I called out you for your. Best Buy purchase.". >> Yes, but he if you're calling him out. for saying we. >> Does this with brain function? Does it? Cuz every person I've met that has one, they get. >> about getting one. >> No, I thought about getting a stud, not. a septum. >> before this episode. I for every other. episode I say I completely forgot. Well,

I'll ask now. I'm sorry that it's so far. in. Do I have consent to make fun of you. guys and make jokes and rip in? >> You have to work [laughter] back there. now. >> It's a little too late for that now. >> But do I? In all serious. >> Okay. Well, you guys have concern. >> I feel like that's kind of part of being. here, too. >> It certainly is. But I do like to ask. before we start filming. I I don't know. why. I completely forgot. >> He likes to be verbally degraded. >> He Yeah. So, he just he saw us and. decided to let it rip and forgot about. his. his priorities, I guess. You said we.

look cute. >> Say all you want. >> Lindsay's nice to everyone. >> She has to be. >> I don't even know. So, because she has. to be. She's just nice to everyone. Like, again, this this will be so dared at this. point, but I saw the ugliest woman I've. ever seen in the world on Twitter and. she calls Lindsay said she's pretty and. she's the ugliest woman I've ever seen. in my life. But it's fine. It's fine. That is old. news at this point. And then you went. in. You got some from Target.

How much is the charge for Target? >> That was not groceries. Don't even say it. Don't even pretend. >> It was tampons. I know because I. remember I remember that day. >> cuz like I said, I don't I don't spend. on my card. So when I do, it's usually. >> Kroger, >> which would probably have also been is. it about the same amount? 21. >> Probably tampons as well cuz they have. the really big pack of tampons.

>> Same day. We went to two locations for. tampons. >> Maybe not. [laughter]. >> Uh yeah, you're no longer a reliable. source of information. I already told. you that. Hundreds in interest this. year. So far, you're at a 26.99%. interest rate of death. All for 82 cents in cash back in your. balance. [laughter] Well done. >> I see it as if I have to use my credit. cards for anything, I use my Discover. card because it has the cash back. My. capital. >> I thought she didn't use your cards. >> If I have to. >> Well, before it wasn't. It was You.

didn't. Who's Capital One? >> Mine. >> Oh, two in a row. Lady, she purchased on. it. The lady who never purchased on her. cards. Two in a row. >> What was it for? >> We will get to that. Okay. All I know is. she purchased on a card that she says. she never purchases. This one takes an. extra year to pay off 13 years. >> What are we doing? You. >> I. >> liar. LIAR. >> I genuinely like I do not remember other. than that one for Target because I.

remember we were buying groceries with. another card and I paid the difference. for my tampons with that card. >> Listen, I know you love tampon talk, but. there is more. It's this your entire. life is not just tampons. >> Well, since I got my birth control. replaced, it's cuz I have the implant. I. have like I just believe it's the best. one. You can't feel it when you're in. there and it's the most effective. So. that's what I really advocate for the. injection. Ladies.

>> recommended. like and I know you like that injection. You ain't filling up there, aren't. you? >> Or the Both work. Okay. >> Right. >> Walmart. Walmart's an unknown tricky one. cuz it's half It's half. groceries. >> And even with the groceries, who knows? $469. >> The only time we ever go to Walmart is. for groceries. >> Yeah. >> Other than like we went to Walmart to. get. >> Why on our credit card when we never. spend money on credit card that $46.

charge is because. >> $60 of tampons. >> His mom uh because she is like when she. had the boys um she had a card. No, we've only had them for about a year. >> When she physically had them. Okay. Not. like not like literally birthing. She. physically had them. She had a food card. because she couldn't afford anything. So. when she when we took the boys, she lets. us use it for groceries. She shut off.

fraud. >> No, because she let us last name. Okay, let us name. Well, she lets you. This is. the government. But go on. >> But I mean, they're it's for the kids. >> Doesn't matter necessarily. I don't. know. Maybe it does. But continue. >> We uh she shut off the food card and. didn't tell us. >> She shut off or the government did. She. did. He shut it off. >> because we were using it. But she said. we could use it. >> She said that. She looked at the. balance. >> Yeah. >> Ah, >> she looked at the balance. >> I have no idea. >> Ah, >> just a lot of different stuff.

[laughter]. >> Yeah, that's hard. I'm sorry. >> But she looked at the balance of the. food card and thought that we spent like. she said she looked at it wrong and. thought that we spent what was left on. it. >> I remember what she said. So, there was. like $400 something left on the card and. she was like, "What did y'all spend $400. at at Kroger?" And I'm like, " $400? Like, that's how much is left on the. card. We spent I think we spent like 200. cuz I mean we don't spend a lot on. groceries." And I was like, "We didn't. spend $400." And she she sent me the.

picture and I'm like, "That says. balance. That doesn't say. >> how much we spent." And I was like, "I. have the receipt right here. Might as. well do that.". >> She didn't tell us that. She didn't or. she didn't tell us that she shut it off. So, we were trying to buy a couple. groceries and I had to pay for it with. my credit card because we couldn't use. the food card. >> So, now what? >> I mean, she hasn't shut it off since. >> it was a temporary. >> Yeah, she she literally just shut it off. because she thought we spent $400. >> The reason that that charge is on there. is because I had to use that card for.

groceries. >> Excited to get to the spending. cuz there is a lot of it. But we're. getting through the debts first. Amazon. Synchry. Whose is this? >> Mine. >> Oh, the first Ethan one. Hope you're Amazon. Pass to. at the time of the statement. You owe double the payment. Well, and over the limit. You You little. pit. You little c boy. You little s.

What are you doing? >> That's what I was talking about. That. like. >> that's the statement. He'll he'll tell. me that like his balance is like like I. asked him the other day, "What's your. balance on your Amazon card?" He said. it's like $600. But I don't know. Like I. don't know. I don't even know if he. knows. >> What are you doing? Minimum to payment. 164. You owe $1,110.35. on here. What the tit are we doing? You. little tit. Three years to pay this off. Pass due. Oh,

>> will I know? >> It's It's the first thing you see on. there. >> And it's just the first one. >> Oh, no. Sorry. It's. >> just point to it. >> Well, it's that one right there. >> Okay. >> And then it's also that one. >> I mean, a lot of the stuff that you see. that's already here is hers. So, like, >> well, for sake, this is hard. It's all. Christmas shopping. >> It is. >> Who the are you Christmas shopping? You. can't Christmas shopping. You guys can't. afford bills. >> Is that what Christmas is?

>> Yes, you can't afford Christmas, you. dumb. What are you talking about? >> So, would you rather us just not have. Christmas at all? So, you'd rather a 13. and 14year-old not have Christmas? >> I'm not saying that necessarily, but. definitely cut down for sure. You can't. you can't pay bills, you. >> I mean, I see it as they never like. >> he's over the limit on the card that is. purchasing on all the. >> I'm not using that card to purchase. That's all from my debit card. >> Oh my gosh. Even worse, dude. The debit. card should be going to pay off your. debt. a and lots of cat stuff as well. Of course, >> we have two cats. Their names are Gizmo.

and Butters. >> Yep. Pee. >> just wanted to tell you about our cats. Sorry. >> I don't give a about your cats. >> They are really cute. We have a ginger. female cat. >> I don't give a So, no. We cut back dramatically on. Christmas. And I know that's hard, but. they listen at 13 and 14, they realize. they're not with their mom and dad. Do. they also not realize that, okay, yeah, maybe we're not in the best shape? I. think they would understand. >> They do not. They lack common sense. >> and like we. >> it's like trying it's like trying to put.

a tennis ball through a brick wall with. them. It it does not work. >> And like don't get me wrong, they're. good kids, but it's like they do have a. really hard time understanding things. that like they ask all the time, can we. go out to eat? Can we go out to eat? Cuz. we make food cuz that's why we have the. food card. >> This age for the next couple years is. like the last time you can do this or. maybe this might be the last year you. can do it. quantity at Five Below. Quantity, not actual nicity, just the. ability of opening. >> We did talk about that. We already.

ordered a ton of Amazon. >> They're very materialistic for how like. >> Okay. Well, that's a lesson you got to. teach them then cuz that's not a good. trait to carry into your late teens. >> And that's what we do. Like we tell them. I don't have. >> Yeah. Tell them yet then you we purchase. all that. >> None of that stuff on there is for them. >> What then? How are you trying to guilt. trip me with them? you then. We do have We do have stuff for them. Just not You are not getting her. >> When you can't afford your damn bills, you're not getting You're not getting. her You can't guilt trip me on.

that one. >> You little tit. I do. And it's a lot of. that you don't need. You. >> Oh, I did forget that. I bought. >> want desire. Maybe it's nice. But. listen, give them a better Christmas. than we give each other at the very. least. You cut back on yours. Give them. 50% of what you're going to give each. other and call that Christmas. Roof. overhead. paying our payments on time. and not over the limit. Food on the. table, utilities, stuff for school, after school activity program, sports, music. That is what is important for. them in their development right now.

They do not need a bougie Christmas. Yeah. And you certainly don't need to be. getting it for each other. Yeah. Well, I. don't think I don't think we're giving. them a bougie Christmas compared to what. the stuff that the things that they. want. >> We are not getting them anything that. they want. One of them wants like he. wants $100 Ralph Lauren shirt. >> He wants a $300 pair of [laughter]. >> pair of three late fees this year so far. on this card. >> Are you serious? >> Oh yeah.

>> OH YEAH. >> I ONLY KNEW ABOUT THE ONE. >> late fees this year so far. Ethan, >> see that's what I'm saying. Like he'll. talk about like how my spending is. worse. And don't get me wrong, I do have. bad spending, but my spending isn't a. late fee. Did you see a late fee on. either of my credit cards? >> No, not this year. >> I've only had them this year. I opened. them earlier this year. >> Seen balances force this year. >> What the are we doing? >> No, earlier last year. Sorry. >> Regardless,

>> you up. >> So, that's what I'm saying. Like, do I. have to remind him every month? Like, set a reminder on my calendar. You have. an upcoming card payment. Make sure you. don't miss it. Well, does she? >> And I saw. >> No, no, cuz I I missed an entire quarter. of a late. >> But if we wouldn't have had that. conversation, what I'm saying Hold on. If I wouldn't. have if I wouldn't have texted you. >> You can cut me off, but I can't cut you.

off. >> No, I'm cutting you off because what I'm. trying to say is important. >> Okay. What I'm trying to say is. important, too. >> Okay. Well, I was talking first. So, >> I was talking first earlier, too. What. I'm saying is that if we wouldn't have. had that conversation, if I wouldn't. have texted you and said, "I'm not doing. this anymore if you're not going to pull. your own weight." How do I know you. wouldn't have more late fees? >> Because I paid that card before you. texted me that. >> But it was still late. That's the point. Do you not realize that that affects. you? And that's what I'm talking about. is that stuff that affects you affects.

me. Like your speeding ticket, if we. ever when we get married and you get put. on and we get put on insurance together, that's going to affect our insurance. He. got like a $300 speeding ticket. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That. is bad tracking. And it's exactly why I. use Dollarise. It shows you exactly. where [music] your money is going every.

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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. Game. >> 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. >> That's what I'm saying is that stuff.

that affects him affects me or is going. to affect me one day. So, yes, I do mother him a little bit. because I want to make sure that stuff. gets done because I don't want it. sitting on me the rest of my life. >> That's fair. Wow. Wow. Wow. Wow. What is this screenshot of something? I. don't even know what I'm looking at. >> It's um progressive leasing. >> What are you progressively leasing? >> It's my laptop for school. >> You're in school? I.

>> I'm about to start. >> What are your hours going to get cut to? Well, it's going to be online. It's. online school. That's still time. >> I'm only taking one class right now. because I want to see how. >> One class for what? What is the class? >> Cyber security. >> Oh, listen. I'll get you a. certification. We got a cyber security. certification through course. I'll get. you that. That'll help you get into a. career position as well. A lot of people. in the audience have taken those. certifications through course and. they've uh made a lot of money changing. jobs or getting raises. So, I'll get you. that. Maybe even start there instead of.

that. But at least you end with. something. >> through my job. So my schooling is free. through my job. So I'm not paying. anything for school. I just have to pay. for my laptop. >> I know. But school is a lot in order to. get to a You didn't have a computer. He. said you already have an iPad. >> So I have the They said that it wasn't. compatible with iPad OS. So I needed to. get. >> a website an app. It's through an app. >> It's for It's the program. I don't know. what the program is. >> Program and app. >> Yes. That's what a program is. >> No, that's not what a program is. a.

schooling program. No, that doesn't. automatically equal an app. Do you know. words? >> It's a software. It's a software. >> See, that's not even an app. [laughter]. >> Sorry. >> Okay. >> App, program, software. >> Okay. I get it. I get it. >> Application. >> I get it. Okay. So, you did not have a. computer. >> Mm- not one because I'm going to be. working a lot. So, I'm going to go. computer. >> I got a laptop. So, I got a. >> What kind of laptop? You. >> just a standard Lenovo laptop that's.

going to be high enough quality. I. didn't get the highest. >> I got you. I got you. I was just trying. to figure that out. >> because I'm going to be doing my. schoolwork at work, like on my lunch a. lot. >> What's your interest rate on this? >> Um, zero interest for 90 days. >> When did you get it? >> Um, not quite a month ago. >> What's the interest going to be in 2. months? >> I have never paid off a progressive. lease after 90 days because. >> Yeah, but you guys are really pushing. that limit. Everything's getting worse. and worse. You never have until you do. You're to you're 20. You have not had a. lot of life. You've literally been able. to have debt for two years. I've never.

had this issue. >> I've used progressive leasing plenty. before. >> Yeah. You've only had access to debt for. 2 years. There's a You don't understand. how this thing. >> But the reason I know the reason I know. to be careful with that is because of. what my parents went through. Like. >> I get that, but the fact that you've. only had access to that for 2 years and. think because you haven't it up fully in. two years. While this is getting worse. and worse. with the decades you have left of life, this is dangerous.

This mentality you have there thinking. you're going to be okay because. everything's been fine for two years. Okay. What's your minimum payment? >> Um, it's. $90 bi-weekly. >> Okay. Now, obviously you want to pay. more. Well, is it deferred interest? >> So, he's deferred interest. >> I don't know what deferred means. >> Okay. Hey, does is interest acring right. now and then it all hits at once if you. don't pay it off in 90 days or does. interest all of a sudden acrewing on the. balance in 90 days? >> On the balance in 90 days, I think. >> Okay, then we don't have to aggressively. pay this off. Well, you have 30%. interest on two other cards we have. So,

>> wait, no, it is deferred. It is. deferred. I'm sorry. I'm trying to think. because I'm trying to look at the little. estimate in my head of what it says that. you're going to pay at a certain time. He's helping me pay for it, though. So, every That's what I'm talking about. Everything we do, we pay together. because um it's he said, "I'll help you. pay for your laptop for school.". >> Yeah, but he doesn't what the he makes. 1,800 bucks, >> but he also doesn't have any other bill. >> Listen, your minimum monthly is 180, but. you need to pay 352.

>> a month for two months. >> Okay, [laughter]. good luck. Yeah, it's going to be a hard. one when you spend more money than you. make and 70% goes to It's just. another progressive lease. >> But this NO. SO THIS. >> WHAT'S THIS FOR? >> This is his Christmas present that my. mom is helping me pay for. So it's in my. name, but my mom is helping me pay for. it. >> Okay. So we're not going to say what it. is. >> How do you feel that she's progressively. seen whatever you're going to get for.

Christmas? Like I said, no more. Christmas. Dude, give him a good glocky. glocky. Good. Give her a good finger. finger and Christmas. Yippee. Happy. days. Oh, she gave him a really weird look. with that. What does that even mean? How. do I translate that? Does he not perform. well? >> Oh, girl, hit me with the tea. >> Girl, hit me with the tea. No, hit me. with the tea. I love it. I need it. >> Not that it's not Well, >> it's just not often. >> Like, we literally had this conversation. in the car right here that like.

it's it's been almost a month. >> Since what? >> Since anything. >> And then before that, it was almost a. month. Poor Quay. >> I just I mean I told her like I mean. just not in the mood. Like it's nothing. it's nothing to do with her cuz she she. thinks it has something to do with her. and it's not like I just. >> because I see what else am I supposed. what else am I supposed to think of like. you know do you not think I'm. attractive? Do you think I'm fat? Do you.

think I'm ugly? Do you like not want to. be around? >> She thinks all that but like in in past. relationships that I've been in that has. been the main focus. And it's like I. don't want like that's the last thing I. think about and when I told her that she. was like that. >> that doesn't make me feel better. >> It almost it makes me feel the same. because that means that like does that. mean that you don't think I'm attracted. attractive enough for you to feel that. way all the time? Cuz when we got. together it was like crazy. >> Always is. >> And I was like yes I get it. The.

honeymoon phase ends. >> Do you try to make moves? >> Yes. And but the reason I don't anymore. is because 90% of the time he says I. don't feel like it. >> Well that's okay. take the shots, you. get it. >> Honestly, I don't remember the last time. I asked that he said yes. >> Sometimes, it's interesting. A thing I. learned um through an entire process, often times there is a yes. You just. don't know what that is. This isn't a. trying to pressure someone into it. He. might not want to. >> And that's what I told him. >> He might not want to, but ask him what.

his yes is. He might be down for. intimacy without full sex. >> because for what it's worth, listen, I've had stressful moments as well. I've. had stressful moments. So, I get this. This is this is something I've I've I've. had to work on, okay? I I'm very tired. of, you know, often times after work, you know, I do a lot. And um so I get. it. I get it. There's there is a yes. somewhere. Maybe he's maybe he's down. for a little finger finger. Maybe he's. down for making out. Maybe he's down for. cuddling with like nice words and stuff. So there's often times a yes. So I I I.

don't want you to give up is all I'm. saying. I don't want you I'm not saying. don't pressure him. That's that's. obviously not the word I'm saying. >> I don't want him to like I don't want. you to feel like you have to do. something you don't want to do. I never. want you. >> See what that yes is. If he doesn't have. a yes, if that night is just a no, that's okay. But maybe he doesn't want. to stick it in. Maybe he doesn't want to. go crazy. But maybe he's down for some. cuddles for a bit. A little bit of. titty. >> And that's what I that's what I told her. yesterday. We were talking about it. I. was like, you know, >> I don't always want to do lay down to.

lay down and watch TV, you know? I don't. >> Well, that's not intimacy. >> Well, I mean, we we cuddle when we lay. down. Like everything we do, we're. >> But that's not focused on each other. That's focused on the TV. >> Yeah. I mean, >> and like we have like card game cuz I. love card games and stuff. Like we have. couples card games and I'll be like, "We. should play this on the ride down to. Austin. Do you want to take the regular. version or do you want to take the spicy. version?" He said, "I don't care.". >> Oh. Well, cuz to me to me saying I don't. care is like pick what you want. >> But the amount of time I don't care like. I've said like give me an opinion. Like.

tell me something like. >> Well, I mean I can't I don't know how I. don't know how to give an opinion on. something that I don't that you don't. care about. >> Not that I don't care about it. I just. don't care which one you pick. >> Like I'm fine with whatever. Like it's. it's like it's like saying if you want. to go out to eat here or out to eat. there. I'm fine. >> My body sometimes does not want to have. sex when there's a lot of stress. involved. And there's a lot of stress. involved in your finances and raising. two kids. >> I see it as like I'm not blaming either. of you for this. Sometimes you need to. be able to give what your yes is and. communicate that it doesn't you don't. have to want the and I don't want you to.

give up and I also don't want you to. pressure him either. >> There are things that can be done but I. understand I've had stressful times. I. get it. >> It's normal. It's normal. Okay. That's. normal. And I want you to think up. I. also don't want you to think he's not. attracted to you. It's not that. And you. just have to unfortunately it's hard but. you just have to take take his word cuz. usually it's it's a bodily thing, right? It's not an action that he's doing. It's. not buying flowers. It's not something. you can just do, you know, to all of us. want to be horny in that exact moment.

So just take the word, >> listen to it, try not to internalize it. too much. Easier said than done. Talk to. someone if you have to, >> but also stick it in when you're feeling. it. Let's go. >> Well, and that's what I do, you know? Like if I if I feel like it, then then. we'll do it. It's just a lot of times. I'm, you know, tired or. >> maybe figure out something kinky to get. excited. Stick it in her butt. Let's go. >> We don't like that. >> Hey, you don't like that. But also, I. don't want you to do something you don't.

like. [laughter]. But no, I'm just saying, you know, play. around, have some fun, >> but I want you guys to have the health a. healthy relationship. Obviously, >> my mom found uh the fuzzy handcuffs we. got from Spencer's. >> There we go. We love it. Okay. What's. your minimum payment on this? 430. $453.90 for the Christmas present of. which we don't know and we're not going. to say. >> I don't know my mom usually or not that. I don't know it's uh so that by. >> you going to pay it off before it hits. >> Yeah. >> And your mom pays you because the mom. pays an. >> I help so she most of it um $60 every.

time it comes out which is bi-weekly. So. $60 by weekly. >> $120 a month for two months. Okay. So it. gets paid off. Okay. Good. >> Because it was higher than this. So, it. was about 700. And this is. >> his best buy card. >> Mine. >> All right, big guy. You know what's. funny? He actually made just like a. bigger than minimum through payment when. all it is is you throwing him under the. bus the whole time where he actually. made a bigger than a minimum payment, which you did not do on any. >> But he probably disputed that because.

most of the cuz he used to have autopay. set up and then he wouldn't have set. that up if you're going to just. >> That's why I don't do autopay because I. check. >> No, set up auto pay for whatever you. want. I had set it up, but then I turned. it off because I was going to do a. different amount and to do the for the. way that they do it, you have to turn. off auto pay to change the amount. >> So, I turned it off, but then it it it. still went through after I turned it off. after I changed it. I can't remember a. single time that we talked about his. Best Buy card though that he's said he.

hasn't said. >> my Best Buy card payment got taken out, but it either overdrafted my account or. something or he doesn't have enough. money for something else, so he has to. dispute it. And I mean, granted, that. has been a decent amount of time, but. every time we would talk about a bus by. card payment, that was it. >> You owe $821. Takes four years to pay. off. Minimum payment 33 bucks. And he. told me that that balances. >> gaming PC. >> No. >> Oh, wait. Well, both of you do crazy. gaming PC. You've done 5K on yours.

You've done 3K. And you want to upgrade. yours right now? >> That's not a That's not a full Like. that's not a full guarantee it's that. much. That's just kind of a rough. >> estimate. But you want to upgrade right. now when you can't afford. >> Well, that's why I haven't upgraded yet. I want to, but I'm not. RAM. Have you seen RAM prices? >> No, but I heard it's crazy. It's I have. an upgrade that he bought last year for. like $250 is $900 now. >> What the RAM? >> Uh. AI tariffs finally hit the.

>> Oh, tariffs. >> The computer market. I didn't think. they're all made in like South Korea. >> So, you know, everything every Taiwan is. >> Yeah. Every PC component is foreign. So, tariffs hit like a mother on that thing. >> Yeah. I'm very confused. $336 in fees. this year would essentially say you've. had a late fee every month this year if. plus extra. late every. cash advances. It would have to be cash.

advances or late fees or something. Either way, they're all and it's almost. $400 worth. >> And he used to say that my all of my. late fees were from before we were. together. We've been together all of. 2025. So, how would those all be before we. were together? >> Well, those I literally have no idea. what those would be from cuz I I have. >> and this is what I'm talking about that. I looked. >> hundreds of fees. Hundreds of dollars of. fees. What are we doing? >> I mean, there there was a period where I.

wasn't paying the card, but. >> there's no I mean to that. There's no I. mean to that. It's you're not making the. payment when you're saying you're making. the payment. >> No, this was like I've I've been making. the payments. You've been making the. payments, but they're always late. >> Not. >> he has it right there. >> I didn't know that. You didn't tell me. that. >> That's. >> That's not what. >> is that showing for this year? >> That's exactly what he said. >> I mean, does it count like if you.

dispute your auto pay and then you pay. it again, does that count as late. because I have. >> no idea. I don't know if that's how that. works. If it if it marks it as late or. not. >> You may have had chargebacks. when you try to make a payment, you. didn't have enough money in your. checking account, so it gives you a big. whopping fee. It's basically a late fee. >> That might be it cuz it's been. overdrafted. >> just as bad. Billy thoughts. >> It It makes me upset cuz that's what I'm. talking about that how are we supposed. to do anything combined? How am I.

supposed Because I was considering maybe. we should just get a joint checking. account. I didn't want to do anything. joint checking account until we were. married. But since we pay all of our. stuff together, we zel each other back. and forth a million times a day when we. get paid, should we just do that? But. that makes me feel like I don't want to. do that because what if our account then. is going to get overdrawn or we're going. to have late fee after late fee because. I don't know what he's doing. I don't. know what he has going on on the back. end that I can't see. I'm not going to be his mom. >> But one of your your motivations.

>> that I want him to get better. One of. your motivations that you told Colton is. you want to improve your credit score so. you can open a brand new card in order. to upgrade your PC. >> And I told that is one of them because I. do want to be able. >> in reverse. >> But that's I want to be able to pay off. my cards and get myself to a sustainable. point to where I could handle that. I. can handle because Best Buy does 12. months interest free. So if I can do it. on. >> that it's risk. It's well you have. people to take care of. What are we. doing? Okay. Is this a firm or Clara?

What is this? >> That's a firm. >> Who's. >> mine? >> Louis Cosmetics, Amazon. What are we. doing? Come on. Yo, 600 bucks. I'm I'm. sure the minimum is like 200 a month. What? Why? Because that's and that's. what worries me. $600.98. That's what worries me is because all of. a sudden, there you go. You're just. going into debt. You're paying it for. your 12 months financing. As long as. it's, you know, financing and out, it's. okay. I for.

>> cosmetics and Amazon. >> So the cosmetics that's like all of my. makeup for the year. So. >> Oh, come on. It's still money you can. you do not have that you are putting out. there. You can get the Fizz card, a. debit card that builds credit. That's. all allowed. Okay. Well, that's good. Other than that, I'm not allowing any of. this that you're doing. This is. crazy. >> CLA affirm. What is this? >> Fabletics. >> Uh that's mine, but we are paying it. together. >> Your what? What? What's the account? Um, Clara.

>> Okay. Paying it together. Why? >> Um, there's stuff for me, him, and the. boys on there. Some. >> It's like a $75 monthly payment. Nope. 88.71. Okay. And you owe 254. 15.8.71. Kohl's. Whose Kohl's card? >> That's mine, but also both of us paying. it. >> Buying Kohl's. It was for. >> auto pay off. >> I don't do autopay because I pay all of.

my stuff manually, which obviously has. gotten me further than having autopay. set up and having to cancel every time. because the reason I don't pay like 25. bucks. >> Oh, we're 10356. Okay. Is that all your debt? I just want. to make sure cuz I need to get to this. sp cuz it's pages. It's. literally pages. This is insane, guys. Guys, who's USAA checking account? >> Me. >> This is all you. What?

Oh my gosh. I just saw. No. No. No. No. No. No. Oh my gosh. Oh. Oh no. You can't be Oh. Based on the. last conversation, you can't be doing. this. No. No. No. No. No. No. No. No. No. No. No. No. No. Guy, you're. Listen, again, there have been periods. where I sometimes get very stressed. I. have a lot of work. I get tired and I.

have to find my yes, right? That's what. we talk about. I have to find my yes. Maybe I don't want to go full. intercourse in that exact day. Okay? I'm. a horny person. Sometimes it's not. always there. It happens. But I don't go. and just fap. I make sure when I want to. have sex, I have sex with my girlfriend. What is it? >> He's spending a ton on only. while not her while not being.

intimate with your. nice to know. you for that, I guess. after you've told me that cuz I know he. used to do that a long time ago. He said. it was before we were together. >> Oh, [snorts]. >> why wouldn't you? Like I've told you you.

can be honest with me about that stuff. >> I feel like there's just something weird. to be honest about. >> Well, you don't even want to be with me. >> No, it's not. >> You told me you canceled it is the. point. You told me you canceled it is. the point. >> Yes, and I did. >> Then why do you have it? Because I I did. another one. >> Why? Few for that. Honestly, like genuinely. you for that. Because why would you lie to me about. that when you don't even want to be with.

me? >> I never said I didn't want to be with. you. >> Then why would you rather do it. somewhere else than with me? That is you directly not wanting to be. with me. >> Not really. >> So then then what is it? Then what is it. if you if it's you doing it and not. wanting to do it with me? I. >> mean, I can get horny when you're not. home. >> But when I've asked you, do you do stuff. like this in your spare time? You say. no.

>> Yeah, cuz I don't do it all the time. >> But that do not doing it all the time. doesn't mean that you don't do it. When so when I ask you say yeah, a. little bit. Not no. >> Oh, fanfix, too. I I don't know what. that is because I've looked at it and I. can't I can't cancel it. Like I've gone. to it and I don't even have a. subscription on there and I like I've. even contacted the support about it. >> I'm sorry.

>> Yeah, I am too. >> Kind of means that all the reassurance. that you do means nothing. [clears throat]. >> You saying you're just not in the mood. or you're stressed or you're tired means. nothing. That means you're lying to me. No, cuz I don't have it. Just cuz there's. >> When is it from? When is it from? >> That's from October. >> It was a one-time payment. >> When When did you do it? >> In October. >> Why? >> Why? What was the scenario?

>> I don't know. I was out of town. >> I knew it. I knew it. I knew you were. going to do something like that while. you were gone. >> It's fine. It's fine. Keep moving. >> No, it's not. Objectively, I can see it. You're heartbroken. What do you mean you knew something was. going to happen out? >> I just like I tried calling him like. three times and it he didn't answer and. it could have been because he was like. >> were. >> Yes. And I also texted our roommate and.

asked what doing. I don't know. He's in. the other room. >> Yeah. I was talking with. And that was whenever I told you my. phone was charging and we were watching. Family Guy. You're you're just you're. trying to defend yourself when it's. >> No, I'm not trying to defend. whenever that's actually what happened. Yes, I will admit I did subscribe to it. when we were there, but that's not what. I was doing when you texted me. I was. laying in bed with my phone charging. watching Family Guy. >> I can vet it. I can vet it if you log. into your own right or now. Show me.

I like to see tits. I won't complain if. they pop up. Oh, we're fans of tits. here. I'm sorry. I am sorry. There's a part of me that's kind of. struggling here. It's like you both have. here tap down camera. Let me like this. is his spending. This is going. out to eat and p one page, two page,

three page, four page, five page, six page, seven page. Every purchase is. Are you Wells Fargo? And then we look to you for the good. finances and you're negative $451.

>> cuz I get my. >> Doesn't matter. You're negative $451. >> because if it was all needs I could be. sympathetic but there's one page of all. two page of all. three page of all. then a little bit of on the. final page. I think the reason it shows. that it's negative is because I get an. advance on my paycheck. >> Doesn't. advance. >> You were negative while spending. everything on That's the.

reality. >> No, like it would have shown. >> No, guys, come on. It doesn't matter. Well, it's all on. is the point. Okay, let's see. Oh, and you guys still owe $1,000 to. your dad for the trip to Buffalo. I. thought he paid for it. Okay, thank you. Uh, okay. I It's 34 $34 to subscribe to this.

person. Okay, I'm subscribing. [sighs]. Okay, what am I seeing here? Okay, good, good, good. It's It's an emo. woman taking dick. Okay, very good. Okay. I was concerned for a while. because this person's like profile. picture's weird and their Twitter looked. weird, but it's uh uh Do you want to. see? Yeah, it's very It's um Okay, but. it's an emo woman. Good, good, good. We.

like that. We We love emo emo woman with. a vagina. Okay, good, good, good, good, good. I'm I'm I'm glad to see. I. honestly thought you were into some like. weird murder gay and I was about to be. very concerned because it was it was uh. it was it was looking very weird for a. moment. It was looking very weird. Okay. All his subscri.

Okay. I unfortunately think, ladies and. gentlemen, that we are going to end this. conversation. I'm going to send them to. a budgeting the expert that we work with. outside of here because that's not the. issue they're going to have to deal. with. Clearly, there is more to work. with because in August alone, he. purchased one, two, three, four, five. fan subscriptions. September, one, two, three, four, five separate only subscriptions that. were different. and he signed up for.

separate different accounts that he was. not previous. He is I think he might. have a potential he's subscribing to. multiple only accounts multiple times a. month. He's uh he's gooning a lot. and I think what we have here more than. anything is a relationship issue that. needs to be worked on in therapy before. we think about the finances. And listen, um this is very difficult.

and I do not want you guys um I don't. want you guys to break up to be very. clear. I want you guys to have a good. life together and I want us to get. there. You know, cutting out all the. gooniness and stuff that obviously. happens in the show. I uh always wish. for the best for our guests and we will. focus on a budget at some point. I'm. going to hook you up with an expert for. that and all of our resources of course. Um, but more than anything, have you. guys seen a couple therapists? >> Um, we've seen my therapist together. once. >> Maybe a couple therapists, especially.

that focuses on sex, and you might need. to see therapy on your own. I'll pay for the first two sessions. I. want you guys to go, please, cuz we need. to focus on healing this relationship. and focusing on this relationship first. before we can think about the money, cuz. there's some things going on here. And I. think we've seen that through this. conversation. Okay, that's what we're. doing, guys. Please come join us for the. post show. Come join us for the post. show. Get your hammer financiale.com. Click that join button to join us in the. post show. Um I I I'm sorry. I just I.

don't think it's productive. You know, if I'm just being real cuz. you're not going to be able to budget. and focus on things going forward from. here. I know the audience might want to. see a budget. It's not about that. It's. about you guys. And I want you guys to. do well and I need you guys to sit down. with a couple therapists maybe that. focuses on sticks too. And I think you. might have some gooning. issues. Would you admit to that? >> I mean, not not anymore. No. >> You. >> not anymore. >> No, that was that it ended. That. whenever So, whenever.

>> trying to defend yourself. Why are you. trying to defend yourself? >> Whenever I've done it, I would I would. pay for it. I would do it and then I. would never look at it again. >> Can I see your phone? >> Yeah. Can. >> you [clears throat] open your phone? Uh, >> what do you mean to open to? >> Just open your phone. >> Okay. >> Is that why you didn't want me to look. at that Twitter account? >> No. What was the Twitter account? >> I don't know. Like I literally I clicked. on it when like there was a notification. and I didn't look at it. >> All right, join us for the post show. There's obviously a lot more to talk. about, but I I think this this part of. the conversation is done. Um.

and click the join button. Best. membership on YouTube. See you there. >> Wait, so you've been hiding this? >> Yes, he's. >> Wait, so you've been hiding completely? >> That's what I told him last night. I. don't ask anymore because I'm afraid of. you saying no. Because it's not that I. have a problem with you saying no. It's. that every time I ask you, say no. >> I don't remember you saying you. >> Oh no, buddy. You this. >> Join us Saturday, January 31st for. Hammer Elite Day. A 5-hour live stream.

featuring all of your favorite shows, but done live with you. See you there.