Financial Audit's Messiest Divorce

You just literally walked out on your. husband. You're just abandoned and. you're gone. >> I am. >> What the [ __ ] happened? >> She would treat me like [ __ ] if I'm. being honest. >> Really? >> I'd let him know he was lazy. He's a. grown ass man. >> I hear you. >> And is that an effective way of. communicating and trying to get change. across? Hey, you lazy piece of [ __ ]. >> I gave up trying to effectively. communicate because that wasn't working. >> It felt like she was gaslighting me. >> You thought because I was telling you to. go out, I was going to tell you to go. out just to get mad at you. You know how. stupid that sounds? >> It wouldn't be the first time. What is. this? You have a boyfriend.

>> Dating. Dating. >> You moved out a couple months ago. Your. husband getting you picked. up since last year. >> Get your free trial to the Dollar Wise. budgeting app today. Join the tens of. thousands of active users who are taking. control of their money and changing. their lives. With new features being. added constantly, there's no reason not. to try it. And if you like it, choose. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. dollar wise.app or link. in the description below.

>> Hi, I'm Justin and I'm 29 years old. [music]. >> Hi, I'm Natalie. I'm 27 and we're from. Seattle, Washington. >> And this is Financial Audit. >> Listen guys, I go into these episodes blind. with the audience. and it's a fun fun little part of the. show. But I think I think I think. Lindsay was just a little too excited. when she was passing by my office. earlier and she just gave me a little. hint of what's going on. And what the. absolute [ __ ] So Natalie, I hear you.

just literally walked out on your. husband left the house because of the. finances. You just abandoned. You just. left. You stormed. You ran. And you're. gone. >> I am. What the happened? >> Uh, two years. >> And this is your husband, by the way. The guy you walked out on. >> Yes. >> What the. >> two years of asking him to figure out. finances and help me with it and just do. more. And I told him I would leave. And.

I think he kind of expected me to stay. because I relied on his income cuz I was. a stay-at-home mom for so long. >> There's children. >> There is children. There is children. >> How many? >> Four. >> Four kids. And what are the ages of the. four kids? Oh, good. >> Eight. 7 two and a half and one and a. half. >> Yeah. Yeah. Yeah. Okay. 872 and one. Okay. Um and then you walked out. Well, two years of warnings. Why the would you. not get your [ __ ] together after two.

years of warnings? I think that it's. kind of reasonable that after. threatening for two years to fix. something, then you didn't. She leaves. >> I mean, well, like you expect, you know, you think you're doing things. differently, right? You think you're. improving and then when the rules switch. up or. >> the rules switch up? Is it like goal. post pushing. >> [ __ ] I the goalpost moves, the goals. post change. >> Is this true? >> No, it's the same [ __ ]. >> Tell me. >> I mean, it feels like to me it feels.

like Well, I don't know. I guess now I. could say after reflection it would be. like, >> well, what was the goalpost that have. been changed? Walk me through what it. felt like to you. I mean, at the time I thought it was like that I. wasn't doing enough for the family, I. guess, around the house and being more. active. >> Okay. >> Being more active with our kids and our. family and things like that. >> Is that how the conversation started? >> No. The conversation had been just. really about everything like, "Hey, I. need your h I need your help. I need you.

to learn finances." Cuz I would. constantly ask him, "Do you even know. how much we pay in rent? Do you know how. much this is? Do you know who we finance. this through?" He doesn't have an answer. to any of that. And I'm like, "This is. what I'm trying to tell you. This is. what I'm talking about. You don't know. anything when it comes to our bills or. finances. >> Why did he think that it was just doing. things around the house? >> Because I asked him for that also, but. he would do part of what I would ask him. to. He'd do it for like a week or two. and then go back to the same thing. >> You were the fallback. You do the change. real quick. You're the bad employee. The. one who gets a correction,

>> does a little better for a couple weeks, and falls back to the old ways. >> I did do that, but. >> And now you got fired. >> Yeah, but. >> from husbandhood. Well, you guys are. still married, right? >> Still married. Yeah. >> Dude, she left. >> Yeah. >> She walked up anding left after 2 years. >> But you don't see it. You don't you. don't see it as you were in the wrong. >> No, I mean at the time I didn't, but. like. >> Well, okay. But tell me, at the time. you felt the goalposter pushing. You.

thought, "Okay, this is me doing more. around the house." Obviously, she was. like, "Okay, bills, bills. You got to. learn the bills. You got to know what's. going on." Why? Why did you not see that. in your mind? Like what were you seeing. from your perspective? Cuz I listen, she. says this. We might instinctually think. she's right. I don't know. >> Always listen to the woman, you know, blah blah blah. That's where we are. >> Maybe you're in the right. I don't know. Maybe you are. >> I think, you know, to my credit, I I have a I'm a one track.

mind kind of person at the time, I. think. And I think I me too. >> Yeah. I was I was doing one thing. I was. doing one thing, not doing the other. But. >> did you know about the others? >> I didn't keep it in mind. >> Okay. >> If that makes sense. >> Because I was so focused on the other. thing that I was doing that I thought. >> Well, did you see improvement in the one. thing he was doing on the hyperfocus? Would that be good enough? >> For a couple weeks. >> For a couple weeks. Why'd you fall back? >> Cuz uh. >> or do you agree that you fell back? >> Yes and no. like I did after, you know,

um, like she said, I did, but then I. would start again, but then I didn't. But it was like a fluctuation thing. And. like I was just, I think, angry at her. because we were like hating each other. at the time. And I just. >> hating each other. >> Yeah, it was bad. >> Full hate. >> I wouldn't say hate. Hate is a strong. word. >> What was going on, lady? >> I didn't want to be around him. >> at all. When was this? This started probably last year in. October. I mean, like for the past.

couple years, it's kind of been that. like where I would get really. frustrated, ask him to change, ask him. to do something, then he changed, we're. good for a few weeks, and then he goes. back and then I'm just dealing with it. silently. It's like every few months. >> Why would you do that? Because that is, no offense, a stereotypical woman thing. where it's like you have the emotions. around a topic, but you hold it in and. you don't communicate it effectively and. you want to see a change without. actually advocating for a change. specifically. Well, and I did advocate. and that's why I'm saying we would have. this every couple months. >> I think that she she's a bottler.

She likes to she does like wait until it. gets to a breaking point and then. explode. But I mean, >> I know it's nice to see other people. make a change. It's nice to see that. It's nice to feel that someone else is. going out of their way to make a change. That's nice. But it is no one's job nor honestly. ability to be able to read minds. >> It has to be constant communication. And. if that is someone's flaw, honestly,

I'll be honest. It is one of my flaws. It is one of my flaws that I am a. onetrack mind person too. I hyper fixate. on things. It is just a part of my. personality. I try to do coping. mechanisms to do better on that. But I. cannot read minds. I cannot read mine. So, when my girlfriend is up upset about. something um because I didn't. instinctually do it, right? Cuz. obviously it's nice to have that. instinctually done. >> I need that extra help because that is. my flaw. >> I do tell him. That's the thing. I. literally have to write [ __ ] down. I've. downloaded apps on both of our phones.

No, I've bottled after I've told him. over and over and over again. And it's. like, why am I going to keep telling you. my brain over and over and over again? >> Yes. >> Then why the would you not change? cuz. that's on you then if it's endlessly. communicated. >> Um. like I said on one track mind kind of. person and I thought I was. [laughter]. >> onetrack mind is a reality doesn't mean. you can't implement coping mechanisms to. try to deal with your [ __ ] Yeah, but. >> listen, if it was endless repeating of.

the things that she needs you to Okay, were the things she needed you to work. on reasonable though? Because maybe you. guys disagreed on that cuz that is a. possibility. Like maybe what you were. advocating for was kind of bull. >> No, I think it was just me like. resenting her cuz the entire time. >> resenting. >> Yeah, because she would treat me like. [ __ ] if I'm being honest. >> Really? Why would you do this? >> How was that a productive How was that a. productive communication? >> Treat him like [ __ ] I just got tired of. him me having to baby him. >> He says you treat him like [ __ ].

>> It It's a matter of perspective. >> Well, listen. You're the one that had. the feeling of. >> Yeah. >> how you were being treated. So, him. feeling like he was being treated like. [ __ ] is valid. >> But I didn't treat him like [ __ ] I'm. just not very nice. >> What did she do to treat you like [ __ ]. >> Well, what what what was conveyed that. made you feel like [ __ ]. >> Well, just basically the adamant bas me. being a not being not a good person and. [ __ ] like that. being a terrible person. Not. >> how you did it. >> God let him know he was lazy. He's a.

grown ass man. >> I hear you. >> And is that an effective way of. communicating and trying to get change. across? Hey, you lazy piece of [ __ ]. >> I gave up trying to effectively. communicate because that wasn't working. >> So before it wasn't working. Would you. find that valid? >> Just because you know you're not getting. what you want out of somebody doesn't. mean you can belittle them and treat. them like [ __ ] in front of everybody for. >> I agree. Unless it's on the show. No, I. don't. We joke around. That's just how. we are. >> Joke around. No, he felt like [ __ ]. though. Did you advocate for yourself.

and say you felt like [ __ ]. >> No. >> Well, why the are you a [ __ ]. >> You know, because I was bottling. everything up, too, because I. >> Okay, so we're both bottlers. So, we're. both just nuclear bombs ready to. explode. No [ __ ] She walked out. What. was the final breaking point? How long. have you guys been married? >> Uh, we've been married since 21. So, four years. >> But we've been together. >> Wait, how many of the kids are yours? So, I came in with two boys. He had no. kids. Our last two girls are his. >> Okay.

What was the breaking point? >> Uh, she just not like just getting tired. of everything. So, point I told him I wanted to go back to. school. I wanted to focus on school. full-time because he wanted to do that. I gave him that opportunity. I went to. He wanted to go back to school. >> You wanted to? You're the bread winner. I did. I I went back to school. >> He completed his school. Oh, he already. did it. So, he did this successfully. So, now you wanted to do the same. >> My turn. Yeah. And he with a 2-year-old. and one-year-old that is difficult, but. go ahead. >> Yeah. And he promised, "Hey, if you go. back to school, I'll take care of the.

household. I'll take stuff off your. plate." And I told. >> What does take care of the household to. you? >> Figure out finances. Make sure the kids. are good. >> Managing the bills. What is making sure. the kids are good, though? Is that. making sure picked up from school? Is he. cooking dinner every day? Is he. >> I mean, >> is is he keeping the house clean? >> That's a hit or a miss. I mean, I have. to make a list or things for him to do. while I'm gone. I have to make sure, hey, the way I have to tell the kids. this needs to be done, here's your. chores, I have to do the same [ __ ] for. him. So, it was like.

>> I had. >> Well, now you have my mom. >> No. Whoa, whoa, whoa, whoa, whoa. I. still do. >> My mom lives with him and helps with the. kids full time. >> Wait, you don't? >> No. >> Wait, when did you move out? >> Like in June or July? >> How long has his mother live there? since March. >> So mom moves in and you immediately. leave. >> Well, no, >> she's replaced wife. Her her your not. his mom, your mom. >> Yeah. So my mom came back moves in and.

you immediately leave. Wait, wait. To. take care of the Did you not take the. kids? >> Well, no. So. >> wait, you left and you left the kids. there? >> I live one street over. >> But you left the household. I did. There's a one-year-old and 2-year-old. there. >> Yes. Well, and you you you left. >> I left. >> Well, hold the on. A few months ago, you. left. You left the kids there right. after mothers moved in. >> Mhm. >> What the is the dynamic? It's. >> I couldn't afford the house that we. lived in together, right? So, originally, we had split up our finances.

and he was supposed to get his own. place. Then his excuse was I didn't want. to live under a different roof than the. kids. He thought that was. >> Is that not invalid? I would not valid. So, I said, "You can stay living here. I. can afford the kids. I love the kids.". What the why? Why why why why. I'm not saying force ourselves to live. with each other if we have fallen out of. love, but there has to be a reasonable. timeline. We might be able to implement. maybe get through school first and then. do it. >> Well, no. So, I said I'm going to do my. year lease and then I plan on taking. >> a year lease if you were afraid of him.

leaving as the income. >> Well, I'm not. No, because I can afford. my own little place, but I couldn't. afford the rent that he was that he. currently pays at the other place. So, I. had gotten a new job. I got my place and. you know it's a street over. >> Where the did mom move in right before. you left? >> Why did she move? Oh, because she was. already moving out here anyways before. we like knew that we were going to. separate households and stuff. We had. already agreed she was going to move out. here cuz we lived out here. She lived in. Texas. She was around her grandkids all. the time. We were flying her out to us.

every 2 to 3 weeks. So instead of her. flying out, she was like, "Hey, my lease. is coming up. I'll move out there. I. gave your sister four years to do her. school and stuff and I'm full-time. grandma and I'm giving you that time to. focus on your schooling. >> out though. >> I did. >> She took a sbatical. >> Yeah. From the family, from the kids. from mother. Yes. >> No. >> Yes. >> No. She She does help. I'm not saying. that she's not around. >> I'm sure she helps and she's around, but. she left the house. She's not there.

She's not there. She shows up. She's not. there. I mean, [ __ ]. >> Wait, you don't feel This doesn't feel. weird and wrong to you. >> It did at first. >> Uh, yeah, but that was only a couple. months ago. >> It wouldn't look any different if a man. got up and left the house to get his. [ __ ] together. >> Would I say he should abandon his. family? No. Nobody abandoned. >> But also, that's where split custody. starts coming into effect. And you guys. are still Are we staying married? >> So, we were going to again, >> what [screaming] is this?

>> Do my year lease? >> What is this? You have a boyfriend? Don't have a boyfriend. I. >> You have a boyfriend from what I see. >> Dating. Dating. >> You moved out a couple months ago. Your. husband getting you picked. >> We've been split up since last year. [laughter]. >> She got a man. >> What the is this? >> Real life. >> What is going on? You're getting cucked, >> bro. You're getting cucked.

>> No. Do you watch? >> I know. I No, don't. But. >> Oh, that should have been a very easy. no. >> It should have been easy. >> No, it just. >> he just caught me off guard. >> What? She is dating the guy after moving. out immediately. And she moved her mom. in to take care of you and the kids and. then she goes and another dude. That That's crazy. I have never heard of. that. I have never heard of that in my. life. In my entire life. Have I ever.

heard that? No. >> Be different if we had actually filed a. divorce. >> A little. This was also a couple months. ago and you moved out yet. >> Well, we've been split up since last. year. We just lived together. >> Wait, how long How long were you guys even. like how long did you guys even like. each other? Why you guys split up immediately? >> We Because again, it was 2 years. I had. been begging him. I got tired of it. I. mean to be fair before I mean it's not.

like nothing else was happening during. that time. So. >> huh what what does that mean? >> She was still entertaining people around. that time anyway. >> We had an open relationship. >> It was officially open. >> It was what we agreed on but he didn't. do anything about it. Like. >> wait what what did you No. Tell me. >> He didn't want to go do anything. We. agreed. I vibe with open, but I don't. think the only way an open relationship. works is if both people are 100% in in. in the moment one person's not.

>> See, the thing with that is just, you. know, she knows I'm the type of person I. don't really go out. I don't really do. much. I like to just hang out, play my. games, chill, you know, I smoke, I. relax, and I just relax. >> Smoke? >> I smoke weed on occasion. >> On occasion. >> Okay. I mean, I don't go out either, but. I plow flaps, >> you know. It's not that I It's not that. I, you know, don't do anything. It's I. just choose not to go out. >> I've literally told him, "Hey, let's go. out. Hey, there's this girl. Hey, he.

just doesn't want to go out. He doesn't. want to do any. He wants to stay home. and play his video games." And that's. part of the split, too, is because you. spend more time on your games than doing. anything. You spend you make sure you. put side time aside to play your game to. make sure you beat it, but you don't put. time aside to learn what you need to do. And that was a big part of what you. >> do for what? Make roast beef sandwiches. >> for the house himself. Anything. >> You weren't You weren't plowing. >> He wasn't doing [ __ ] He wasn't doing. [ __ ] No,

>> it wasn't just cuz I was just I just You. know, >> you don't want to. >> It's not that I don't want to. Obviously, I want to It just. >> Why would you? >> It's just cuz to me, I don't know. It just It didn't I didn't. feel It didn't feel right at the time. >> He didn't mind if it was a female with. both of us. >> That's different. >> Oh, you're three-way. >> We have And that's why I thought. everything was good. Yeah. >> Yeah. I mean, I'm It's not that I wasn't. down for it. It's just I just. >> Why weren't you going out there and. getting some tits? >> Well, you wanted them to.

>> Yeah. She never communicated that. >> Don't lie. We agreed that this was open. This [ __ ] was on this was viral on. Facebook about us having a open. relationship. >> But then but then even when I was to if. I were to go out you would be pissed. off. >> I really You always say that but you've. never gone out. You don't go out. What do you mean I'd. be pissed? You always say that but I. don't give a. >> I guess. >> I don't care. >> All right. If that's what if that's what. you feel. That's not what you. >> The amount of times I've literally told. this man to go out. Find some friends.

Go out. You want to go out with me? Hey. Even my other baby daddy was like, "Hey, let's go to the strip club. Let's go do. something." He don't want to do that. Mike, you two are supposed. >> He never said that. >> Yes. So, he's supposed to have been out. multiple times. So, >> he disagrees with this. Why? I want to. hear your perspective cuz you're letting. your stream roll you right now. >> So, at the I mean, it's just like I want. I. I decided not to go out, right? It. didn't feel right for me to just go out.

and other people at the time. I know I. was like I was okay with it, but it just. didn't like when I was when I thought. about going out to go do it. It didn't. >> But you said she was always upset with. you if you did. >> That's what you just said. >> Yeah, I know. It did. It didn't feel. right to me. I guess I know it sounds. stupid, but it didn't feel. >> No, you said she was upset anytime you'd. go out, but she didn't go out. >> I mean, that's what happens. It felt. like she was gaslighting me. You thought because I was telling you to. go out, I was going to tell you to go. out just to get mad at you. You know how.

stupid that sounds? >> It wouldn't be the first time. >> No. No. When's the last time you've gone. out? >> You know what? That's a good question. >> So, what am I thought? >> It wouldn't be the first time. What's. the [clears throat]. >> I don't know. Sometimes it feels like. she's a manipulator. >> I'm straight. I'm direct. And that's why. he says I'm mean to him because I'm. brutally honest. I'm just direct. I. don't know how that's manipulating. I. will literally just be direct with you. and then you get your feelings hurt that.

I'm direct with you. >> No, that it's not all the way. Not like. that. Like when you are telling me. something but it's something you really. don't like it's something you don't want. me to do but you expect me to do it. anyway. cuz you think I'm you think I'm going to. do something stupid or whatever. If that. makes sense. >> That doesn't. >> Okay. You tell me to do something right. that you don't want me to do, but you expect me to do it anyway to get.

mad at me. >> How many times have I told you it could. be something as simple as, "Oh, I'm. going to get. >> Let's address what he said. >> No, I don't. >> He thinks you tell him to do things that. you instinctually do not want him to do. so that you can get upset at him for. doing it.". >> Why the would I want to get upset at. him? >> Why do you think that? >> Cuz she revels in drama. >> I really don't. I'd be chilling. Why. does he think this then? >> Oh, I don't know that our marriage and. our relationship. >> Doesn't seem invalid.

>> It's not invalid. But I mean, actually, yeah. [laughter]. >> No, it's not even that. I just So, my. family got into our relationship. My. sister created a whole fake phone number. pretending to be some other dude, texting him, and instead. >> what? >> Yeah, it was a whole thing. >> What? >> She So, she tried to get in the middle. of our marriage. She created a fake. There's just a lot between that. She's. really. >> Did you her? >> No. No. God, no. >> She was trying to is what I'm getting. at. >> She wanted Your sister wanted to him.

>> I mean, I'm I'm assuming your husband. >> I'm assuming cuz she's with my She's She. got with my ex baby daddy. >> Exes. >> Exes. Not every ex. >> Not every ex. >> Wait, wait, wait. >> Who's calling? >> Who's calling? >> I don't want to answer that. >> Who's calling? >> It's your boyfriend. >> No, it's not my boyfriend. It was. somebody that I was messing around with. for a little bit. He got kind of crazy. and I completely just cut him off. >> Why are you not on do not disturb? First. of all, which is one of the first things. we tell you to do when you walk in this. building. >> I don't know. I'm going to just turn my.

phone. >> And second of all, why. how many guys are you getting [ __ ]. down by in a daily basis? >> No, not really. I'm dating this dude. >> Not really. What the does that even. [laughter] mean? >> I work all theing time. So, I get it. where I can and that's with the dude I'm. [laughter] dating. It's honestly like. This man was months ago. I don't know. why the call me. I haven't heard from. him in months. >> He's horny. >> I don't care. >> But that's why. >> No, I don't care. >> No, that's why. >> Oh, no. He's probably He's probably. going to cuss me out.

>> Why? >> Cuz he's just He does that. He just is. >> Why? >> He's a true [sighs and gasps]. So, when we were sleeping together, right, I told him, "I'm not sleeping. with anybody else. I don't want to do. that. If you are, just let me know. Be. respectful of that." Like, be mindful of. that. >> Do you care about burning the bridge. with him? I've already burnt the bridge. >> Good. Call him back. I'll talk. >> Oh, >> no. Actually, yeah. Answer. Let's see. what he does and then I'll jump in if. needed. >> Oh god. The FaceTime call. >> Springer. Let's go. Ladies and. gentlemen, >> let me He just do audio.

>> because I told him I didn't want to deal. with him anymore. He went the off on me. >> Yeah, just call him. Put him on speaker. Put the speaker here. Put the speaker. here. >> All the way up. Turn up. >> Please check the number and dial. >> and then give a call. >> Double call. Maybe he'll call back cuz. his phone is off. >> Say no FaceTime. You can call me on. audio. >> Yeah, just text him. >> I just want to know one thing. [laughter]. >> What?

>> You think all those You think all those. problems you causing my life is just. going to go just that way and you just. Okay, that's. >> I didn't cause any problems, bro. >> All right. Yep. Got you. I told you he was calling to cuss me. out. I mean, he didn't have five like. five baby mas. Well, not five baby. mamas. Five [ __ ]. >> So, here's what happened. I found out. >> uh editor, bring back when he said she. revels in the drama. >> cuz she revels in drama. >> I really don't. I'd be chilling. Um.

>> I'd like to emphasize. >> I'm starting to think he might be right. >> She is. >> I told this dude I did not want to do. anything with him anymore. I found out. he had a girlfriend that he lived with. and he was sleeping with all kinds of. different girls and I was like, "Bro, that I'm good. I don't know.". >> No, we weren't together. >> But you weren't dating him. >> I know. But I just told him I just. wanted you to be honest. But then I. found out, like I said, he had a. girlfriend and stuff. She had outreach. and so me and her had a conversation. She kicked him out and he's just.

basically spiraling and he's blaming me. for a spiral. But he's a 46-year-old man. with no job, no nada, nothing going on. But this is my best friend's cousin, I. think it is. I don't know. >> You're [ __ ] your best friend's. cousin. Let's talk about student loans. I know it's something we all avoid. talking about, but if your private. student loans are crushing you, Y refi. might be exactly what you need. They. don't rely on your credit score alone. They look for borrowers who have the. desire and the ability to repay. That is.

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Drive for free, plus three months for. just $9.99. So you can finally take. control and see what your money's been. doing behind your back. Click below to. get started. And your sister's exes. >> Yeah. >> What's your relationship with your. current boyfriend? >> Well, we're just kind of we're just. dating. We haven't done anything. We're. just kind of seeing each other. >> How do you know him? >> Uh he actually reached out to me on. social media. Randomly. >> Uh, randomly. He had been following my. social media, I guess, for a while. >> So, it's a random person.

>> Random person. Yeah. >> Okay. Not your ex-coorker. >> No, the ex coworker. Um, we're, you know, >> what the [ __ ]. >> We don't want to complicate things. because we work together. >> Oh, current coworker. >> Excer. That's your. >> We just recently stopped working. together. >> Wow. It's moved that quickly since. Lindsay has onboarded you guys. That's. how quickly you run through dick. >> No, the ex coworker is somebody that.

had liked me. I liked him. We didn't. know. And we, you know, we would go out. and have dinner and stuff, but we. weren't doing anything. >> Dude, you're getting permac. >> At this point, it doesn't even concern. me anymore because. >> Do you know her current boyfriend? You. ever even see him? >> I've seen him. No, her current one. No, >> I don't. The other. >> But the one she just ended the the X. >> Yeah, I'd se I'd seen him before.

>> I heard you guys were friends. >> Who? Oh, no. That was That's her baby. daddy. >> Oh my gosh. This is They're everywhere. This [laughter]. is insane. >> Yeah, he him and my ex- baby daddy get. along. >> The notes couldn't even follow along. That's how much dick you go through. And the notes are always right. This is. the first time it's wrong. What's your. body count? >> I don't know. Honestly, I don't. >> matters. I don't know mine either. I. don't give a But it is it's it's very.

crazy as a mother of four who just left. her husband 3 months ago and moved her. mother in to do the mothering so that. you could just go ride dick. >> Actually, I work more than anything. >> Doesn't matter if we're being honest. If. we're being honest, >> she did say she needed a break. But I get it though if after two years. you've been saying, "Hey, I uh do you. need help?" I mean, I get you need a. break, but. >> that's fine. I mean, everyone needs help. on certain things. I don't know. And I.

get the relationship wasn't perfect and. dude wasn't doing what you wanted 100%. the way you wanted to do. But let's read. this the right way with what's going on. and how you are doing things. >> Okay? You moved your mother in so you. could move out. and get to the cheeks slapped a bit more. out was actually something that I didn't. know I was going to do. >> [ __ ]. >> No, I did not know I was going to move. out. Originally was supposed to. >> Okay. Well, okay. Stop saying his real name, by the way. We believe that, but it's Justin. Either.

way, the moment you moved her in, you. moved out and started getting them. cheeks slap clapped. >> Actually, I started working more. I I. ended up moving up positions and started. working a hell of more. We literally. just talked about like five guys you're. getting interacted with in the last few. months that are they're not hookups. They're literally You just got triple. called in this conversation from a guy. saying, "You know how much you fed up my. life?" Why does he think that? >> Because me and his ex that he was living. with at the time that I didn't know. about. >> Call him back and ask how you [ __ ] up. his life. >> Okay, let's [laughter] call him back.

>> Call him back and be like, "How how did. I up your life? You think I [ __ ] up. your life? How did I [ __ ] it up?". >> All right, let's do that. What's his contact name? >> It's F60.08. That's the uh medical term and code for. narcissistic uh behavior. >> Personality disorder. >> It's hard out here for a pimp, ain't it? >> [ __ ] You're telling me he's not.

answering? >> Give me your phone. All right, we'll get him to call back. >> Oh [ __ ] Let me. >> make sure you're not on do not deserve. good cuz we need to hear it when it. happens. I will stand guard. >> That works. >> Um, okay. Okay. So, what's your current. job then that you're so proud of. grinding? >> Uh, so [laughter] I just left actually. last week. I started a new position on. Monday.

>> Huh? >> I just left. I was a service adviser. >> You just quit your job. >> on Wednesday. Yes. Yes, I didn't. And I started a new one. on Monday. >> That's a better job. I. >> What the are we doing, though? Was it. lined up when you left? >> Yes, it was lined up when I left. >> Okay, that's fine. So, what was the job? >> I was a service adviser for Chevrolet. >> What were you making? >> Uh, probably about 4,000 a month. >> And now, >> and now I'll be making about five. It. starts at 30 an hour. So I am a auto.

body service area manager. So I just. kind of travel to different cities. >> Oh, is the gas reimbured? >> Uh they actually give me a vehicle. Good. >> They give me a vehicle. >> 32 an hour. Is it 40 hours a week? >> 40 hours a week. >> Okay. Not bad. But Seattle is. desperately expensive. Should be more. than 5,000 a month. But after taxes, after Benny's, all that good stuff, I'm. sure about four is hitting your account. >> Um. >> 4,000 will hit your account a month.

Just about. No, probably just about. >> What do you do, Justin? You were the. bread winner before [sighs] whatever the. And now you live with her mom. It's. weird. Okay. >> Yeah. Uh, for the time being, but she's. going to end up be moving out. eventually. So, >> is there a plan for that? >> She's to move the mother out. >> Well, she wants to get her own place. eventually, which is fine. >> What's your job, Justin? >> I'm a cook right now at a uh nursing. home. >> Yep. They got to eat. Makes sense. Okay.

Well, I mean, I heard that you got in an. argument with your HR representative and. you just walked out the building. >> I sure didn't. >> So, I don't Was that job lined up? It. doesn't sound like it. >> No, I had already been looking for. another job. >> Okay. So, the job wasn't even lined up. and you walked out. SO, YOU MOVED OUT, GOT your own place, abandoned your. family, riding dick, and then you left. HR after getting in an argument without. having something lined up. You. bullshitted me. >> I had job offers. I already had the job. offers. I had been looking for weeks. before that for a new job and I had. already had those other job offers. So,

I was just kind of still there finishing. out the pay period and well, they kind. of pissed me off. So, >> running a new coworker to Okay. [sighs and gasps]. What do you make as this cook? >> Uh, right now it's uh 22 an hour. >> Okay. So, definitely not the bread. winner anymore. She's making 32. >> So, he makes $3,400 a month. His checks. are about $1,600 every two weeks. >> And then he also gets his disability. every month, which is $4,47.

>> 40? Yeah. >> Huh? Wait, what was that? >> 4,447. he gets every month from his disability. >> Disability what? >> VA. >> You're in the military? >> Yeah, I was. Yeah. >> Wait, what? What is your account? Sorry. For VA? >> 4,447. >> Oh, that's crazy. >> Yeah. >> 4,447. >> Yeah. >> What did you serve? I was a army. >> Army? Yeah. >> Okay. How long did you do? >> 5 years. >> Where'd you go? >> I went to Iraq and then. >> We love Iraq.

>> It was hot. >> Were you out in the field? >> Uh, some of the time. >> Some of the time. What happened? What's. your disability? >> Uh, my back and my neck and stuff like. that and my knees. >> What caused it? >> Just time and just like the. service and what they what they would. have me do and stuff. What were you. doing that caused your back and knees to. get injured? >> Just when we would do the like the. marches and stuff like that, all the. equipment and stuff like that, using all. that [ __ ]. >> Wouldn't that be everyone then?

>> Yeah, everyone. Everyone ends up ends up. with issues when they get out, whether. it's 5 to 20. >> Okay. H I'm definitely not against disability. despite what clips say. I want veterans. to get even more disability when they. get disabled. >> But if we got disabled things like that, too. >> Well, people are getting it for acne. But. >> if we get disability through marching, which every single person in every.

branch of the military does, it's not. necessarily just every single person get. disability. >> You I mean, you would think if they're. smart enough to comp to go and uh. >> to go and get coached on how to get. higher percentage ratings. >> Hey, that too. If they're smarter, >> that is a part of it. And many people. out there aren't even willing to admit. that. >> Hey, not necessarily. >> Did you get coached? >> No, not I didn't get coached. I went. actually went and got seen and I had. >> What's your percentage? >> 100. >> 100. You're 100. >> Oh, yeah. >> Okay. Okay. For marching. >> It's not just [ __ ] marching.

>> Well, what what happened? Did anything. happen? >> I mean, yes and no. Just. after my time in service, right? after. >> after your time in service? >> No, I mean it's a recurring thing like. after being I've jumped out of planes. and [ __ ] I It's all that stuff. >> Did you hit the ground incorrectly? Like people jump out of planes doing. skydiving all the time. That doesn't.

mean they get hurt. Yeah. >> Were you getting hurt? >> I got hurt before. And I mean, >> what was your hurt? >> My back and my neck. >> What caused you to get hurt? >> Yes. What caused you to get hurt? actions. >> Oh, I mean just over time like after. like reoccurring injuries and stuff like. that. I don't I don't. >> What injuries happened? [laughter]. >> It was after. after jumping out, right? I did land. wrong a few times. So, I mean, obviously, you're coached on how to do.

it correctly, but I didn't do it right. So, after that, I. >> You didn't do it right. >> I did not. >> But you're a coach to do it right. >> Yes. Hey, doesn't sound right. And obviously. you're the one bringing in the gold, but. I do know that from the notes, your. family thinks she's a gold digger. >> Because I had two kids. That's all they. knew about me was that I was he was. somebody that he met. He was out of the. military. They thought I was after his. military money. I didn't even know he. was in the military right away or.

anything about that when I had met him. So they just assume she's young. She has. two kids and she wants his money and his. benefits. But lo and behold, it don't. really matter cuz I wouldn't have been. able to get it anyways cuz he was. already married. >> Huh? >> Oh, yeah. I found out a month before our. wedding. >> Um, well, three months. Yeah. Three. months cuz we had to do it. 3 months. before our wedding that he was still. married. >> So, what is this? Why are you her while. you're married? And why are youing other. people while you're married to him? >> Me and her, we weren't. >> You paid it back.

>> No, I mean that's what it looks like, but. that's not We weren't together. that we. had already separated for like a year. >> Okay, you guys do the keep doing these. separation things WITHOUT ACTUALLY WHY. DON'T you guys get divorced ever. >> on on on my part. I told her that I did. and I basically just I kind of I lied. about that [ __ ] [snorts]. >> And um. >> why? >> Because I was like I I thought I would. be able to get it done, you know, but I. and I didn't. And then. >> No, you didn't. You didn't even try to.

get anything done. I flat out lied the. whole time. >> because at that point it was already. >> we would have went to get our marriage. license and we would have been denied. because he had still been married. Had. his ex not hadn't called, I wouldn't. have known he was still married. >> What? >> Yeah. >> What the. That's insane. Did you guys go open. immediately? >> No. >> No. >> Why did we go open? Um, it was something. that we had talked about, something I.

had done before and I had talked to him. about it. >> You've done it before. >> Yes. >> You are a [ __ ] Yeah. >> I mean, >> no, we love [ __ ] I love [ __ ]. [laughter]. >> I I love [ __ ] and I am a [ __ ]. >> And so, I did tell him like, hey, this. is something that I like. Plus, I'm I'm. by girls, too. >> I like girls, too. So, it was like, you. know, at first it kind of just started. with females, you know, but after that, you know, we just kind of. >> Okay, it's interesting. you know, we. just decided that we were gonna open it. up. You know, he said that he was good.

with it. I literally asked. >> And were you actually good with it? >> I think I was, but at the same time, I. was still trying to just give her what. she wanted cuz I thought, >> see, that doesn't work. Open. relationships honestly can work and they. can be a good thing, but both have to. actively want it. If one person has a. slight hesitation and they're only doing. it to please the other person, it will. fail every time. You can say, I've even. asked them like, "Are you sure this is. what you want?" I don't want to do it if. it's not what you don't want to do. And. his thing was like, well, I, you know, he never actually told you she didn't.

want to do it. >> She made it seem like if if she didn't. wanted if I didn't want to do it, she's. going to leave immediately. >> How did I make it seem like that? I. would have left forever. >> No, it wasn't. >> If you didn't get to go ride other dick, you were going to leave. What the is. this? Get married, produce two kids. Hey, if you don't let me get railed, I'm. out. >> No, that's actually not. >> Is she a [ __ ]. >> [laughter]. >> Yeah, I'm not even like. >> I know she's trying to someone while in. Texas for the show.

>> Who? >> You. >> I'm trying to someone. >> Oh, yeah. No, she's No, she's mad that I. don't want to talk to her because I'm. not out here. >> I'll show you right now. She's upset. that I have not reached out to her since. I've been out here because she likes me. and I had already told her before I. don't see us being together or see us. progressing with any. >> show me the text. >> Okay, so this was her today or yesterday.

actually upset because I didn't reach. out. >> and this is a finance show. >> That's wild. [laughter]. [gasps]. >> Oh, Snapchat. That's how you know it's. [ __ ] behavior. >> Save everything. Look at her snap score. >> And again, I I'm not saying this is an. insult. I am a [ __ ] and we love [ __ ]. >> You know, I think I used to be a [ __ ]. and then. >> Oh, he was. >> And then. >> uh before our wedding, uh we had. somebody reach out that he used to [ __ ]. around. >> You last thing. Oh, wait. She said,

"Okay, you're upset that I didn't talk. to you. I know it wasn't going to. happen. I'm posing but not on my phone. much.". Fight, fight, fight, fight, fight. >> Yeah. Basically, she's just, you know, we get along. We chat on the phone a. lot. Like, she's cool. >> You told her you needed weed ASAP. >> Yeah. >> Okay. >> On the finance show as well. >> Is this you or her? >> That's me. I was showing her my dress I. picked out for out here. You don't want. to go too far. >> Does she send things?

>> Um, no, not really. Cuz we FaceTime all. the time. We video chat all the time. Like I said, she's. >> Wait, what is this? >> No, that's me. >> Does she ever send things? What does she. look like? >> Hold on. Don't [laughter]. >> uh Okay, I won't go further. >> I can show you a picture of her, but. >> Okay. Okay. We got a cute dog. >> Oh, yeah. That's my dog. >> Okay. Your dog's precious. >> Yeah, he was actually supposed to come, but. >> Oh, what the. >> Yeah, we couldn't fly with him and. [clears throat] a baby.

>> See if she. >> Oh, the baby's here. >> I have all of my kids out here. Yeah, we're all going to go to New Mexico. >> with my mom at the Airbnb. Well, cuz I. have family. It's my grandma's probably. last. >> We have more family out here, too. So, we just came back. So, we just let. everybody visit. Show me the picture of. the woman you're trying to Okay. >> Every person that you go for after. you've abandoned him is black, >> which isn't bad, but it is interesting. >> I mean, >> I feel like she's left you for a.

purebred. >> You know what's crazy? >> Pure bread is crazy. [laughter] You. know, but every picture though that she every. person I've seen in there and. everything, it's like she left her mix, dude, for black guys and girls. >> The best of both worlds. >> It's not bad. Except she But she's. leaving for the full thing. >> Yeah, right. But the full thing comes. with other problems. >> What do you mean?

>> The drama she's dealing with right now. >> I'm chilling. The. >> That nigga's crazy. He is crazy. >> Whoa. Can you say that? I think you can. only say half that. >> Nope. >> I'm I have enough. My dad's full black. So, >> and your mother. >> She's white. >> as hell. >> I think you can say. >> pasty. >> Let's bring in Tyler. >> I feel like I'm black enough. >> What's up? [laughter]. >> You know him, you'll love him. He's the. favorite favorite producer of Hammer.

Media. >> What up? What up? What up, my people? I. love y'all. What's up, Tyler? [laughter]. >> What's up? What's up? >> Uh, Justin is a half braid. >> Yeah, I can tell. I can tell. >> The nose and the lips, right? >> Yeah. You look black as [ __ ]. >> Thank you. Appreciate you. >> Well, I suggested he could only say half. the word. >> No, no, he can say it. He can say it for. sure. Appreciate it. He He looked like. some of my family members for sure. >> Well done. We got the test. >> That's crazy. >> I was invited to the cookout. >> If you want to know if you can say the N. word, go to calebhammer.com/nword. take the assessment and see where you.

stand in the world. >> Again, it's crazy. >> Again, it's crazy. [laughter]. >> Didn't you? >> N word. No, we've done racist. >> Oh, okay. Yeah. Yeah. >> So, caleb.com/. would be even funny. >> N word. That is n word. >> See where you stand in the world of. being able to say the n word and what. you need to do to improve your ability. to say it. >> Yeah. Go ahead. >> [ __ ]. >> [ __ ] What up, boy? Yes, sir. [laughter] That's what I'm talking. about. >> Me, too. Me, too. Right. >> Yeah. Yeah. No, but no, no, no, no, no.

[laughter]. >> That's funny. >> We have permission for all this, ladies. and gentlemen. Before someone tries to cancel us. Okay. Well, okay. Well, I I got to get in. these finances. Speaking of scores. Okay. Well, first of all, okay, I want. to know how do you guys want me to do. this? Are we done? >> I think we're done. Believe me, you. don't want to know. There's so much. It's not. >> No. Are you two done? >> Oh, like for good. Am I doing this as a. household or are we trying to see what. this looks like independently? >> So, we actually are have our um finances.

combined cuz our goal is to just pay. [ __ ] off and then it'll minimize. >> you're so beyond separated. Dude, you're. taking it at every hole by every deck. besides his. When's the last time you. two? >> Uh yesterday. >> Oh, >> yeah. >> This wasn't yesterday. This morning. >> Well done. Well done. Proud of you. Um, are you on the apps, dude? >> Yeah, kind of. >> Okay, we will review his dating app in. the post show with Brandon. We'll bring. in the dating app professional Brandon.

himself, B Dog. You love him. We'll. review it. >> I have been, but I I I deleted him. So, >> you'll redownload and we'll review. Okay. So, but again, where are we trying. to go from here? Are we trying to go. separate and independent or are we. trying to go together? >> We are trying to go separate and. independent. >> Okay. I need to do two, I think. Right. >> What do you mean eventually? Why is it. eventually? What's the philosophy? >> Because Okay, so the whole thing was we. were going to stay married for till I. finish my cuz he don't want to divorce. yet. So we agreed we would stay married.

We'd do a year just kind of figure out, you know, if he got his [ __ ] together, if he was willing to learn stuff like. that, I work I'm going to school. full-time. And so, you know, we were. like, let's just keep our in our. finances combined. >> Why are you okay with this? >> So, >> does it make sense to you? when I when. we originally had this conversation, right? Um. me personally, right, I don't handle a. lot of the finances, right, cuz I suck. at it. Well, yeah. And honestly, again,

I'm not saying you don't deserve the. disability, but because you get this. permanent income forever that goes up, you know, every once in a while, you're. also not really incentivized to ever. learn finances cuz you don't have to. worry. Sure, you could overspend, but. you know, you're always going to have. money to come in that can save you. Yeah. And I kind of. >> You're kind of enabled in a way. I'm not. saying you shouldn't get it. Yeah. >> But. >> Okay, guys. Is the relationship done. >> or is it coming back? >> I don't know. We'll see.

>> I mean, have you did you ever try couple. therapy? >> I brought it up, but she refused it. >> What the is wrong with you? >> Cuz she don't want to go to therapy cuz. then they'll make her see what she does. >> First of all, commutate. to a certain point. Here's the thing. If. you said he won't fix anything, you. won't fix anything. you won't fix. anything. I tell you these things. Here's how we communicate. You're not. willing to sit down in a professional. environment who can help you communicate. effectively. >> I think is wrong with you. >> I think neither of us are very good at. communicating. >> I agree. You're willing to give up, abandon your children, move your mom in. with him and move down the road to take.

out their dick instead of actually. literally talk to a professional. What. is wrong with you? >> It's not even just that. It's like. >> Yes, it is. He said no. He said to He. said you brought it up. He said he. brought it up and you said no. >> No, that's not how it went. It's not. It. wasn't a straight no. It wasn't a. straight no. He was required to actually. do his own research, find a therapist. He couldn't do any of that. He didn't. want to do that. He know he's so used to. letting things just [ __ ] happen and I'm. the one figuring out. I'm the one. planning. I'm the one saving [ __ ] I'm.

the one scheduling [ __ ] finding doing. the research. >> I will not disagree with that. She does. that. I will not disagree. Yeah, I I. totally do that. And that's just because. she's. >> Why did you find someone? No, I did find. someone for someone. He did not. >> Who's right? >> I can guarantee he did not because his. thing is he saying you didn't rebottle. rebott. Honestly, I looked but I didn't. put a ton of effort into it obviously. because at that time. >> But you found someone. >> I mean I I saw someone. I I looked and.

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you get $20. Ladies and gents, you get. money, I get money. Enjoy. Links are in. the description below. >> No, cuz I brought it up to someone. I. brought I showed her someone and then. she refused. >> Okay. He showed you someone and you. didn't. No, he did not show me anyone. because when you look into it, right, I. had already told him you need to find. someone. Then you're gonna have to. figure this [ __ ] out. >> He says he presented someone. >> He didn't present anybody to me. And. even if he did, let's say he did, right? When you presented it and when you found. this person, did you look at anything?

Did you look at insurance? Did you look. at where they were located? He didn't. He didn't present anyone to me. He. didn't present anything to me. That's. what he does. He'll be like, "Oh, I have. this idea or let's do this or I want to. do this." But. >> if he brought someone to you, would you. have done couples therapy? >> I would have done it. Yes. >> Would she have done it? >> I had told her to go to her own therapy. by herself. >> No. No. Couples therapy, man. >> I don't believe I don't know. I don't. know. I can't say for sure because part. of me says she would, part of me says. she wouldn't. But at the time, I had.

told her, you know, hey, you should go. to see your own therapy as well. And but. she said she didn't want to do that. because she couldn't find a therapist. I don't know what to do going in these. documents and making a budget at the end. because I don't know if you guys are. together or not. I know you technically. financially are right now, but I don't. even know if that makes sense because. you guys don't even know your future. >> Yeah. I mean, we said we'd give it the. >> gut check. Gut check. I'm going to go 3 2 1 point. I want you to give me your percentage to.

100. 100% is we are 100% getting back. together in my gut. Zero is we will. never I'm going to go 3 2 1 points and I. want you guys to say at the exact same. time what you think the percentages from. your gut or at least of where you want. to go. Okay. So 3 2 1. >> 70%. >> 60%. >> Okay. So we're both on the side of going. together. So I'm going to do this as. combined. Are you surprised to hear 70%. cuz she's the one that literally packed.

her bags and left. >> I was Yeah. caught off guard by that. Yeah. Um but I think after being. separated for a bit, things have been a. little different. We've had. >> I I think so. But. >> are you okay with her getting railed. endlessly? >> Honestly, >> don't even lie. He said it's turned him. on before. >> Oo. >> Part of you know cuz I a cuck. [laughter] A true cuck. No, no, no. >> It's not a bad thing. Don't necessarily. bad thing.

>> No, it's like in the sense of like. if I was having sleep with another. chick, it's not like she wouldn't get. turned on as well. So, it's the same. concept. >> I mean, I'm into girls, so that's a. given. >> Yeah, but it doesn't have. >> uh But the idea if it turns you on that. >> I mean, yeah, it didn't bother me. I. mean, it was kind of hot. >> so. >> when it happened. >> I mean, a three-way would turn me on, but. >> him doing it, I don't care. But I'm not. going to sit there and think about it. Like, it's like, okay, cool. He did it. I'm not going to sit there. >> It turns him on. >> I mean, that wonderful for him. >> I mean, at the time because it seemed.

like she like. at the time it did, but like. >> And you've never cuted corner? >> No, actually. >> Mm-. I think you should try. I think you like. it. >> I don't. embrace Embrace your kink. >> What the [ __ ] Embrace your kink. >> That's wild. We don't king shame here. We king shame a little, but we don't. king shame here. >> That's insane. >> Embrace the [ __ ] I embrace the goon.

Embrace the [ __ ]. >> The goon is wild. [laughter]. >> We're gooners here. >> It'd be like that sometimes. >> Sometimes it'd be like that. >> Okay. So then we're going to do. combined. So I'm going to do another. one. 3 2 1 points on point. I want you. to give me what you think your household. combined financial score is. 0 to 10. 10. being the absolute best you can think. of, zero being the absolute worst. Okay. M. >> 3 2 1 four. >> five. >> What the I guarantee you guys are not on. the show if you are middle of the road.

>> If you want your Hammer financial score, take the assessment for free. It only. takes a few minutes at caleb.com. See. what you need to do to improve your. finances or where you're already doing. well. Caleb.com. And if you don't want. to be like a guest who ends up on the. show, make sure you download the. Dollarise budgeting app at. dollarwise.app. Take the free trial to. see if you even like it. It is free. And. then if you do like it, you can always. sign up for the annual version to save a. lot of money. And when you do, for only. a couple more months, I will personally. sign my budget friendly cookbook and. mail it directly to you. All the links. are in the description below. Check.

those out. Okay, guys. Let's jump into. these finances in this financial show. Financial audit. >> Mhm. >> That's insane. >> What the [laughter]. This is a finance show. This is more. like Springer. >> I told Dude, I It's full Caleb Springer. >> I'm here for it. fingers right there. >> I'm here for it. >> I love it. >> Bring it back. >> Listen, make finance is interesting and. more people learn. I vibe with it. Trust me, I love other finance shows.

There's a reason they don't get as many. views. >> Very true. >> Which doesn't reach as many people, which doesn't change the lives of as. many people, so it works for me. Milestone, what's going on? By the way, combined household income is $1,847. net on a monthly basis. Now. >> 800 net. >> What? How? Yeah. With uh my income gives. him child support. >> Okay. 12,800. Okay. Milestone. What is. going on? >> Uh whose is this? >> Mine. >> Okay. What's going on?

>> I just used it when I went out to. travel. I mean this earlier this year. >> This year. >> Earlier this year. >> What? Abandoning home even more? Who. would have thought? Is that someone you. want to settle down with forever or. someone who's always abandoning? Okay. Wow. We um big guy. Did you know. she owes $9987. when the literal limit on the car that. she's able to spend is $500? >> That's actually because of our gym. membership continued to take out.

>> And we know neither of you are using. that. >> Yeah, we stopped going to that gym. We. were getting. >> You didn't even have to say it. >> Okay. So, what the hundreds? No. What is de crew? Deuce crew. Deuce crew. Drew crew. >> That's the name of the gym. >> I haven't been there in over a year. What? What the just happened? 70 70 148. 6470. >> Yeah. >> All in one day. What the just happened? >> They keep charging me and I contacted. them. >> What? It was like a,000 charges. >> That's what I'm saying. That's the gym. Like the membership we were paying was. like $300 a month.

>> What the What kind of gym is that? >> Cuz it was like a personal trainer. So, >> how long have you guys When's the last. time you been either of you? >> Oh, I went to the gym the other day. I. have membership. No, not there. >> To this gym, you t. >> over a year. >> What the is wrong with you? Why have you. not canceled? What is wrong with you? Are you broken? No. I tried to reach out. to them. Yes, I am. >> Did you go in? >> Yes, I went in and I've already spoke to. the lady and. >> she said that we didn't write like a. 30-day notice. So, I had to rewrite a. 30-day notice. >> Basically,

>> report this to the card. >> I did report it and if you look at the. statement, they gave me the money back. and then they took it right back out. >> Cancel this ability to charge from that. bank to the card. You can. >> Oh, there's a lot more. Okay. One Amazon. Parkland light. >> electricity. >> Okay, that's electricity. That's fine. There's your cable or internet. That's. very expensive though. Payless smoke in. March. Friendly nails. Let me see. >> Oh, I don't have any right now. >> Mhm. >> I don't have. >> Amazon boat event. Going in getting some.

[ __ ] Rips. Rips. >> Yeah. >> You mother PayPal drive-in. You're a. mother and you're smoking. You're. morbidly obese and smoking as a mother. What is wrong with you? Don't you want. to be around for their graduation? >> I mean, we we're around. We're here. >> for their graduation, you dumb. What do. you think that means for a little bit of. their eight? You're ripping in fat. >> Yeah. >> Just being real. I'm not even trying to. insult you. I just want them to.

literally listen. It is 10 years until. the first one graduates high school. I. want you to be there. >> Mhm. >> You're not going to be there. You might. be there for the first one. I don't know. about the one-year-old. >> I mean, I've been going back to the gym. and stuff. I've been I've been sticking. to it. >> Still putting smoke in your lungs. >> Yeah, I am. I We do smoke. I did say I. was going to cut down on weed. >> Huh? >> I said we did. We were going to slow. down on weed. >> We're going to slow down. That means uh. you were. >> We did. >> I think we did. >> How do you think we did? How How does.

that happen? How do you think. what did you or did you not? Well, I. mean, I don't feel like I've been. smoking as much because I work so that. much. I can't be high at work, you know? So, I I I work all the time. So, when I. get home, >> work all the time. You just walked out. of your job. What do. >> you mean work all the time? You work 40. hours a week? >> No, not at this new job. I will. My old. job, I was not. I was working like 60. hours a week. I was leaving and getting. to work at 7:00 a.m. and I wasn't. getting home till like 7:30 p.m. I. >> Seven days a week.

>> uh every day except Sunday. >> Six days. >> Six days a week. >> Yeah. Yeah. It's a lot. I would have to. leave my house at 5:45 to get to work. >> Over limit fee, 29.9% interest. You're. acrewing interest like crazy. Okay. Premier Bank card. Who's this? >> Mine. >> Okay. Two in a row. That's not good. Okay. We have a balance of 286, which is. basically maxed out 4 cents. $30 fee. with purchasing of $11. Why are we.

purchasing it on a card that is creating. interest that is getting fees that you. are not able to pay off on a minimum. monthly basis? What the is wrong with. you? >> So, we were paying them off on a minim. minimum monthly basis. >> No, you're not. And now you're. purchasing it on a Why? >> Yeah, we. >> Why? >> Um, so I had used the majority of these. cards when I was going out of town. Like. I said at the beginning of the year, I. came to New Mexico or went to New Mexico. with my kids. I was out there for about. a month. I went to Reno. I was out there. trying to meet with Pop Warner. >> Dude, you don't get to travel. everywhere. I'm sorry. Even with family, if you cannot afford it, if you're.

putting your entire family's future into. the [ __ ] ground, you don't get to. travel. What is wrong with you? How. often are you traveling? >> Uh, >> it was every. >> I'm being told you travel constantly. >> It was every month or every couple. months. >> What? >> It was every month. Like every couple of. months. >> For you. Why? >> For going to visit family. >> But I work all the time. [ __ ] you. >> I wasn't working at that time though. >> No [ __ ] You only just started working. and you're crying about it. Yeah. >> So, I don't want to [ __ ] hear it.

>> 27 and you just started working. Let's. be real. >> I didn't just start working. I've been. working. I just was staying every month. >> Yeah. When I worked from home, yes, I. sure did. I could take my laptop and go. He was traveling with me. >> Yeah. How about you actually pay on. time? Why are you having late fees? Did. you know she's having late fees? >> You know, honestly, if there's issues. with the bills, I wouldn't know because. I didn't even keep track. >> He doesn't look at any of the fin. He. doesn't know anything, >> you know. And that's fine that you don't. look. No, it's not, though. Cuz what I.

would say is, why aren't you making him. sit down with you? >> I have. Have I not? >> We've done that before. And. >> why aren't we doing that on a. reoccurring basis? Why aren't you. pushing for a reoccurring basis? >> I have. >> Oh, come on. You can make It's the same. No, I. >> do it over a meal. >> I've even It is not even a meal. I will. literally sit down with my laptop and. say, "Hey, I'm going to go.". >> I'm saying do it over a meal cuz I know. what you guys liked. They're called. meals. So we So we [laughter]. >> No, we would sit down and he would be on. his game and I'd be like, "Hey, come do. the finances.". >> Well, obviously. Okay, first you're.

trying to take a man from his game. >> Okay, he needs to learn the finances. >> Speaking of every peniswearing. individual out in this world, the dude was in the middle. He was in. the middle of blasting some heads in the. new battlefield. You can't take it away. He has to win that match. >> Okay. So, he's squatted up. You think that's when you're going to. have a financial conversation, you're. setting yourself up for failure. Let's. just be real. At the same time, every. >> If he was doing it in the middle of you, if he was doing it in the middle of you. getting your nails did,

>> you're not going to just stop. >> Come on. He's in his hobby. He's in his. mind. Now, should you be doing it as. much as you are? Probably not. You're. blazing it up and you're just ruining. your entire future. I will call you out. for that. But you think that's the time. to do it? [ __ ] off. Do it over a meal. Make it nice. Make the kid make mother. watch the kids. We get a [ __ ] ton of I'm. guessing McDonald's and we just No. >> Not McDonald's. >> Fine. Burger King. Wendy's. >> I can't eat beef. So. >> she's allergic to beef.

>> I'm allergic to beef. So. >> are you getting ice cream? >> No. I like I said these past few months. I've been really watching what I eat. >> Fried chicken? [clears throat]. >> No. I don't like fried chicken. It's too. crunchy. >> Something. >> Well, so I was bigger. I lost I lost. like almost 30 lbs in the past since. >> you're taking this much dick. It's. honestly impressive. [laughter]. >> I've just been focusing on that. So, >> good for you. Good for you. >> We slowed down on eating out. So, I eat. at my friend's house. They usually make. dinner. >> What?

>> Mhm. >> Oh, the deck riding friends. >> Oh, well, the twins. Yes. >> Huh? >> They're my best friends. Twins? No, they're twin sisters. They're my best. friends. They're the ones that I'm. always with. over a meal that you both like is when. you sit down. Don't take the dude from. the game. Don't take it from her nails. You do it at an appropriate time that. makes sense over something you both. enjoy that chill. >> I think for years with it being routine, I sit down. >> Are you not willing to actually do the. thing that I say you should probably try. to do? >> Well, we've tried it multiple times.

Girl, you think you're okay? You think. you're the one advocating for something. proper? You have a credit score of 476. What the [ __ ] is that? A credit score. under 500. >> Mhm. >> You never even hear about that. You're. ruined. You're broken. You ran through. what? I didn't mean that. Yes, I did. [clears throat]. >> The the whole concept, I guess, is her. feeling like if he wanted to do it, he. would do it. But, I mean, at the same. time, >> even still, does it even matter that. he's not sitting down for you to have.

had three late fees this year so far on. this card alone? Three. Three. That's. him not sitting down. You, you're having. three late fees. The minimum payment is. $30 and you've missed that three times. this year. What the [ __ ] is wrong with. you? Also, you can travel once a month. [ __ ] off. You're the one that wanted to. come on the show. He's never seen it. And we never have people on the show. who's never seen it. I'm glad you at. least went through the onboarding. process, but you've seen it. Um, and. you're the one who applied. What do you. think so far? >> It'll be a good wake up call for me and. for her. >> Yeah. Okay. What the is wrong with you?

Three late fees, yet you [ __ ] and moan. about him not sitting down. I would, too. Come on. You're [ __ ] it up. This. isn't him not sitting down. Yeah. Well, I mean, I'm the one who. handles it. And honestly, >> handle it. You're not handling it. You're late. >> Yeah. >> Endlessly. Endlessly. >> Yeah. That one is the one I am late. And. like I said, the charges kept coming. back. >> The last one was over the limit. Q. We've looked at two. One was over the. limit. Two, the the second one had late. fees three times this year.

>> Q. >> Yeah. >> [ __ ]. Speaking of which, who's the quicksilver. one? >> Uh, that's both of us. It's our Capital. One. >> You're both on this. >> Yes. >> Who opened? Who's authorized? >> Uh, actually, I opened and I'm. authorized. He's authorized. His parents. are authorized. >> Your parents are authorized on this. card. >> They don't have it. But. >> they don't have the card though, but. >> they don't have the card, but they're. >> Why are they authorized? >> Cuz they they were um struggling at the.

time and we were trying to help them. So, a credit cards at the guys, some. generational mistakes, I'll tell you. that. Balance of $316.82, which is over the $300 limit. I'm glad. they give you small limits across these. cards cuz you guys can't be trusted for. minimum payment 36. I bet it's usually. 31. However, minimum payment 63. Sorry. Minimum payment is normally 31, but oh, we're late. We're behind. worth fees,

interest, and purchases. Who purchased? Who purchased? Who has all the Apple bills? Apple. Apple. Apple. Apple. Apple. Amazon. Going against some [ __ ] Why? Who is. that? >> Uhing. you. >> Apple. I don't know. I don't. >> The is wrong with you guys? >> A lot of subscriptions cuz a lot of them. are. >> a lot of five late fees this year so far. on this card. You The last card is the. only card you're late on. You five. FIVE. FIVE. >> The last I mean Well, damn. Damn, I. guess.

>> Open your phone. Give it to me. Give it. to me now. Why is this [ __ ] not texted back yet? Why is the uh guy F60.08. saying, "Bring the twins a gift." You. have no idea. Bring the twins a gift of. life. >> I have no idea. >> The does that mean. >> he's talking about? >> Okay, let's look at your subscriptions. Calendars. Why the would you have.

calendars when you have a calendar? Apple want. Gmail. You need to pay for Gmail. >> Yeah, they make me pay for storage. >> Plus, okay, let's see. Amazon. And then pull. your phone out, too. Look at that [ __ ]. Something in the cart already. You have. a $900. MacBook Air in your cart. Why? >> Well, actually, he doesn't know this. HE. DOESN'T KNOW THIS. HE DOESN'T KNOW THIS. >> HE DOES KNOW. WELL, we had this mess. conversation. >> You said 700. >> Well, I stuck it in the cart to save it.

cuz I had. >> four taxes. You. >> Well, it was on sale and they don't have. it on sale anymore. That's why it's. still sitting in the cart. [laughter]. >> That's crazy. >> You got a small You got a dog shot. collar. Okay, Hassan. >> for uh my other dog. She's older and she. barks a lot, my mom said. So, >> why are we shocking dogs? >> It has like a vibration thing on. >> As long as you only use the vibrate. I. do a vibrate beeper thing. Yeah, that's. what it has is like the vi the vibration. beeper thing or whatever my mom said. So,

>> okay. Uh wall mount, but that was Oh, a. full length mirror. Trust me, you're. going to need a wider one. King-size. floating bed. Won't be floating for. long. >> Am I doing well? Good. >> Great. >> Uh TV backlights. Yeah, that's more. important than taking care of our kid. That's well done. Plus-size lingerie. Trying to get dick down. I think. >> bling USBC car charger. That's critical. Ring light. You. phone case. Phone case. Little ride.

Robin Hood costume. >> My daughter's costume. >> Oh, thank. uh big TV stand. Even though you got a. Walmart. It's interesting. Lucas. starter. Lucas starter 19026 compatible. something. Then a rug. Yeah, this is all. [ __ ] [ __ ] you. [ __ ] [ __ ] you. >> [snorts]. >> Now see yours. Is it open? You got to open it. My bad. >> I don't know your password or face.

>> I don't buy anything really. So. >> I'm looking at your subscript. What? Do. you have a different Amazon? >> No, I don't. I never use it. I don't. really. >> Yeah, I'm looking at Oh, spending's you. But let's see your. subscriptions. Prime Video, another Apple one. Mhm. >> Hi dive. >> High dive for anime. >> What? >> Black people and Asians spent a lot of. money on anime.

>> Hey, to be fair, I was around before it. got popular. So, >> well, it's been popular for a long time. >> Well, before it became mainstream, I. suppose you would say. >> iCloud Plus. That's okay. Universal. remote. I'm glad it's expiring, but what. the he was paying for Tinder December. last year. >> Yeah. >> Okay. We continue. Okay. Who's the Capital One. Platinum? >> Both of us. >> again. Okay.

We owe 32907. I bet the limit is 300. Yes, it is. Wow. We're completely in every way. whatsoever. $30 men payment, but uh-oh, we're behind. And uh-oh, we purchased. it. Uh oh, it's Amazon, which means it's. you. So far, you are the problem. >> He's not looking at [ __ ] and that's. bad, and he needs to be a part of the. communication, but the spending and debt. is you. >> Yeah. >> So, how can you come in and [ __ ] and. moan?

Two late fees this year. So, again, you. when you said that was the only card two. cards ago, what do you think so far looking at. this? Cuz this is your first time. looking at it, which is an issue. But. yeah, what do you think so far? I mean, like I've sat down and I've looked at. it, but I when we do talk about it, I'm. going to be honest. I don't retain the. information. So, >> well, yeah, you're. >> Yeah, partly. >> So am I. It happens. But you just have. to keep looking at it. Are you still. budging now? Why aren't you using. dollar-wise? You get it for free for the. rest of your life. So, enjoy it. Use it.

That way, you don't have to like sit. down and look at [ __ ] But. >> yeah, >> makes it there and easy and digestible. I think it's cuz I get lazy and so I. refuse to sit down and like. >> it's probably because you're fat and. smoking weed all the time, dude. >> Probably. Wait. Well, no. Actually, >> yes. We'd all be lazy with that. [laughter]. >> Come on. I'll let you use the Fizz card. It's a. debit card that builds credit cuz we do. want to build credit. >> Or maybe you I don't know. But it only. lets you spend what's in your checking. account. I'll get you a course career.

certification as well of your choice so. that you can find something to kind of. oh maybe you should get that so that you. can get a better job a more fulfilling. career. A lot of people in the audience. have used that and they've been able to. get a better better job. So. >> uh okay Mera Bank who's this. >> mine. >> you she's the problem right? >> I'm the problem for not paying attention. to it but. >> Sure. She's a problem for doing. everything. I got you, >> right?

>> Yeah, if I'm being honest. >> $35 minimum payment balance 434. Limit of five. At least we're a little. under this time. 15 months to pay off if. we do minimum only without purchasing. Oh, there was purchases. Oh, we've had a. late fee. Uh I'm It looks like every. month this year so far. She's been late. every month this year so far. Guys, just real quick, don't forget to. take your Hammer financial score at. calebhammer.com. See where you stand, where you got TO DO BETTER, WHERE YOU'RE. DOING [ __ ] LISTEN, it just takes a few. minutes and it is free. Figure out where.

you stand in the world of money. Caleb.com. Starbucks is [ __ ] and a waste of. money. And you already know that by. making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. Make. gamer stops at home for just 25 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Gamer.

>> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. What do you. think? How does that make you feel? that were and it's pissing me off. >> You're pissed? What pisses you off specifically? >> Because I didn't do my part toing look.

at it. So now it's gone to [ __ ] and now. it seems like everything is late and. everything is behind or whatever. >> What's going to change? >> I'm going to make sure that I sit down. with her so we can do this [ __ ]. together. This ising ridiculous. >> What now makes you actually want to do. that? The fact that it's late and and we. shouldn't be almost 30. struggling like that. It's ridiculous. >> What do you think when you hear that? >> I mean, I figured it was coming, but I.

mean, [ __ ] I just kind of left it. alone. It was just a lot. And I asked. him for help. Whatever. >> Yeah, >> you're a mother. That's not an option. >> But my biggest thing is I want to be. able to see the kids experience [ __ ]. >> right? Dude, nothing in there has been. kids experiencing [ __ ] yet. >> [ __ ] Amazon. Everything I purchased. [ __ ]. >> Buddy, I just went through the Amazon. There was one Halloween costume for. them. The rest was you. >> Yeah, that's cuz I have a different. Amazon account. I don't know how to get. back into my other one is linked to my. old phone number. >> What's wrong with you? >> And also, it's just last month anyway.

that we're looking at. So, it wouldn't. be that case if you couldn't get into. it. And this is for Verizon. You got. that on a card that you can't pay off. like. Okay. What is this? Oh, it's a firm. Wonderful. Who's a firm? >> Uh, that was mine. Huh. Interesting. I used a firm when we moved to. Washington. >> What? >> You have a balance on a firm of. $2,59644. WHY?

>> Cuz that's what I used to furnish our. new house when we moved out here. >> Oh, you couldn't go on Facebook. Marketplace, you dumb tit. >> No, I didn't want to get used couches. That would have been gross. >> Clean it. Clean it. Clean it. Clean it. What's your background? What do you. mean? What's my. >> What's your ethnicity? >> I am Navajo and his history. >> Clean it. >> Nope. What's. >> your What's it? Pull up your affirm. >> Oh, I don't have the app anymore. >> What is your minimum owed. >> that? >> That's not your minimum. That's your. balance. You. >> Oh, I have no idea. I haven't logged.

into that in over a year. >> Oh, it's probably. one main bright way. Who's this? That's. both of us, but I used it. >> So, I wanted to um you know, I want to. kind of clarify how this at least looks. so far. Yep. It all you spent for your. wishes, your desires,

and then you try to frame this entire. conversation as we're because he won't. sit down to look at my mess. >> No, it's not that we're because you. won't look at my mess. >> Yes, that is how you try to frame this. conversation. And yes, you should be. looking, but she framed this as we're. all cuz you won't sit down and look at. it. What do you need to sit down and. look at her mess? >> I mean, she it's spending we we we have. income. >> Yeah. How do you think you get debt? You. >> Yeah, >> you owe on here $585 of credit limit of.

$550. She's over once again. Who would. have thought? Three years to pay off. minimum payments only without purchases. Oh, there's purchases. Minimum monthly. payment normally I don't I'm gonna say. like 30 bucks. I don't [ __ ] cuz she's. behind. Who would have thought? Like. every single time. Late fee, late fee, late fee, late fee. Two years this year. so far. You when you said it's the only. card, dude. What a tit. Verizon again. How do you have Verizon on the last card. and then Verizon on this card? Verizon. was like $150 on the last card. Verizon's $248 on this card. What the. going on? It's. >> a phone bill.

>> on two cards. >> Yeah, I mean I'm just paying my. different cards. What do you think? >> What the uh I mean because me not paying. attention when I would ask her about it, you know, how things were get were. going, she would tell me how things were. getting paid and I just took her at face. value. >> You're in a major city. T-Mobile's. probably good there. Pay off your. phones. Switch to Helium Mobile. It's 15.

bucks a line. >> You said who? >> Helium mobile. There's a [ __ ] ton of. third party carriers that use the same. towers. This one uses T-Mobile's towers. >> But you have to pay off your phone. first. You. interesting like crazy. Okay. What's. Foriva? I've never even heard of that. >> Foriva is Foriva. >> It's both of us. It's what we use to. finance our alarm system. >> What? Why? Why do you have that? >> A couple people have broken into our. cars and stuff. Our my car was stolen.

>> And then um. >> is that going to prevent your car being. stolen? >> No, but I mean. >> No, they've stolen stuff from around our. house and stuff like that. So. >> get out of the ghetto, right? >> Well, you also live in a city where the. DA doesn't actually prosecute criminals. >> Well, yeah, they catch and release. It. actually kind of sucks and it really. that shouldn't be a blue or red issue. It should be, hey, believe it or not, if. someone commits crime, maybe don't let. them right back out on the street every. single time because every single person. that commits crime basically has already. been arrested for crime three times.

>> Yeah, they really out there. >> It's absolutely insane. >> The whole recidivism thing all over. again. >> That should not be a political issue, guys. It really shouldn't. It really. shouldn't. Paying off debt shouldn't be. political. Criminals not just being everywhere. should not be political. I don't know. what the is going on these days. It's. kind of crazy. We have one of those in. Austin, by the way, as well. Garcia. He's a dumb He's a dumb I don't care if. he's Republican or Democrat. He let. someone get shot um in the by the. library who's been arrested like eight.

times. >> Released release. Release. And he went. to the library and killed someone the. other day. >> Holy [ __ ]. >> Yeah. >> What the hell? >> I don't know. It's been proven time and. time again that it does not decrease. crime. Yeah. They just do it. What is. happening? $30 minimum payment. >> [sighs]. >> Yeah, it's [ __ ] stupid. Just like this. Of. which you were over the limit of $719.84. with interest acrewing, 20 bucks, fees. acrewing. Who would have thought two. years off.

>> for you? >> What's up? >> What do you think about me seeing this. all? >> I really don't care. I've tried to show. it to you before. >> about how. everything about his late and stuff. >> Cuz I truly don't think you're going to. do anything different. >> Think she cares what people think? She. gets railed by her co-workers. She gets. railed by people that's related to. people she knows. She gets railed by. everyone. She doesn't care what people. think. [snorts] She's the rail queen. Choo choo. Those trains get ran.

>> I mean I I don't know what you. >> tell me a train hasn't been run on you. >> Oh no. >> Really? >> Yeah. No. >> Is that true? >> I can't say. She says no. So. >> no. That's a scary situation right. there. >> Scary. >> Yeah, I'm good. I. >> hope you're getting tested frequently. every 3 months. We love being [ __ ] and I get tested for. being a [ __ ]. >> You got to get tested. >> Oh yes. >> The sports academy stupid. Went in got.

some [ __ ] Stupid. Sunnyside beach. Stupid. You are broken. Cuz I know. that's you, not him, right? >> To a certain extent. I mean, I may swipe. the card, but I'm not the only one. making purchases. A lot of times when we. do make parages. >> Oh, also Dairy Queen, McDonald's. McDonald's. >> Yep. >> Both of us. >> Car wash. Metro by T-Mobile. >> That was. >> two Verizons and Metro by T-Mobile. >> I paid a phone bill for my mom. >> Dude, you can't afford.

and a car wash again. What's wrong with you guys? You live YOU. LIVE IN SEATTLE. IT DOESN'T SNOW. You're not in the desert. >> Car's. Yeah, but not in a dangerous way. for the car. Dump a bucket of water out. of you. Dump. >> No. >> Yes. >> No. >> You die. >> It comes with vacuums. I'm good. >> Uh, you don't have money. >> I mean, we do have lefto. We have about. 5,000 left over every month, but up.

You're over the limit and laid on. everything. Die. Yeah, we just don't pay. for die. from diabetes. >> Not diabetes. It's crazy. You have diabetes? >> No. >> You have diabetes? >> No. >> No underlying health issues. Not a. >> uh world finance. What's going on? >> Uh we had gotten a loan. >> We. >> Yes. >> So, yes, he had gotten a loan. >> He This is yours. >> Yeah. >> Finally, the first time it's just you.

>> I have some that are just me, but then. >> So, this person alone is just you. >> Yeah. >> Okay. What's it for? We were I think we. needed it at the time to pay for. um to pay for. >> He got that for for me. >> Huh? A camera lens for you. So it still. comes back to you. Oh my. What is she. doing? What? Oaf. >> No, my photography. >> Yeah, your photography. >> Yep.

>> I'll vouch for that one. >> What? She's not making [ __ ] from her. photography. >> Well, that was the goal. And then I. started working this new job. >> So, >> $193 a month.86, which was due 7 days ago at the time of. the statement that he didn't do. You. What the [ __ ] You make money. You make. $7,847 a month. You can't pay $193. What is wrong with. you? Balance $2,714. Who knows what the.

interest rate is? Probably not good. Wait. Oh, you were begging for her to. start an OF years ago. >> It was a joke, but still begging me. >> It's It's more of like I would do it. I. think it's I think it's funny, but I. didn't think she like it's not serious. >> Uh-huh. And would people pay? >> Oh, I'm sure. >> Why are you sure? >> I mean, obviously, she's she's. beautiful, so I mean, she obviously. people would pay, but I mean, like, >> he said that before because people would. send me money on Cash App. >> What the Why? How are you doing this?

How are you doing these things? How are. you slaying all this dick? Getting all. this money. >> They just see my my Snapchat. They see. my social media. They like my social. media. They like me. They send me money. >> Social media? What's on your social. media? >> My Snapchat and my. >> Your ass is on your social media. You're. posting your ass. >> I'm in my outfits. It's not my ass. It's. not my fault my ass is there. >> You know how many have you shaking your. ass. >> a lot? >> ANOTHER PERSON ALONE. WHOSE PERSONAL.

LOAN IS THIS? >> THAT ONE'S MINE. >> YEAH. YEAH. YEAH. [clears throat]. >> OKAY. What's $1,34253. for? >> We used that when we went to New Mexico. >> Die. Just die. Die. What the are we. doing, guys? This is so stupid. So. stupid. Minimum payment. 14919. Uh, this. was 8 days past due at the time you. sending these statements in. Also, you're lying. This loan was for a. camera. >> Was that one for the camera? I'm being. told.

>> one of them was for a camera, one of. them was for our trip. I know we used it. to go to. >> hunt Mexico, dude. Poorest states in the country. >> Mexico is bad. >> The West Virginia of the Southwest. Okay. Credit real USA. That's a bit. racist. >> Yeah, they changed it. Now it's Finnb. So. >> fin. It's weird. Finnbiner. >> probably. >> used to be [laughter].

>> but no it changed. It's called Finnby. now. >> You know the best best coffee chain up. in Michigan used to be a place called. [ __ ] and it was it was great. Then. everyone cried and jerked off even. though there's no Mexicans in Michigan. >> Damn. >> Middle Easterners now they're. everywhere. But I didn't see a Mexican. until I moved to Texas. >> Jesus. Wow. But [laughter] they they. changed it to. See, I can't remember the name of it cuz. they had to change the name from. [ __ ]. >> Damn. >> It's a shame. Ah, it's a shame.

>> Would you be offended if you saw a. coffee place called [ __ ] Cuz it's. obviously Beans. >> Yeah. No, I wouldn't be offended. >> What the [ __ ] is wrong with this world? Everyone's such a [ __ ]. >> Everybody gets so offended easily over. everything. >> Wait, Toyota Camry. Oh, no. The minimum. payment is $63520. >> No, no, no. So that was. >> Yeah. Yeah. Yeah. Yeah. Yeah. >> No, that was definitely payment for the. car, >> but the car got stolen, got paid off. >> Well, I'm crossing this out. So, this is.

>> There's still a $3,000 balance on it. >> What's the new minimum? [clears throat]. >> 150 a month. >> Okay. 150. 3,000 owed. >> Mhm. >> Car stolen. more Fortiva. >> It was $1,97.61. on a Fortiva credit card which is maxed. out. >> Oh, that one's actually retail. The. other one was probably a credit card.

That one's retail. That one's That one. is the camera system. >> and it's yours. >> The That one. >> Also, the past one was yours. The one. was mine. I just What are we doing? >> So, there's two fortifas. One's a retail. account, one's a credit card. Uh. $1,8761, 5 years to pay off, by the way. Minimum. payments only without doing any. purchases. >> Mhm. >> Oh yeah. Interest fees. [ __ ] Two. late fees this year. Off. [ __ ] off. [ __ ].

off. [ __ ] off. [ __ ] off. [ __ ] off. [ __ ]. off. 10% interest rate. You don't even. pay a off. [ __ ] off. [ __ ] off. What? Kia Carnival. Do we still have. that or was it stolen? We still have it. >> It is. What are you doing? What are you. possibly doing, guys? $29,44249. >> Mhm. >> What the. What the. >> Yeah, the Kia Carnival. We needed a. bigger vehicle.

>> What do you think it's worth? >> Uh [ __ ] I don't know. >> Good news. It's about break even. You're. selling this tomorrow and you're getting. a $10,000 car. Cuz you can get a $10,000. car that has the space you need. Get a. van. A mini van. >> I mean, [ __ ] I'm open to it, but you. can't return these and that's going to. be a repo. >> You sell You Are you dumb? I just said. sell it. It is worth what you owe. Sell. it. Sell it. Sell it. Sell it. You What. is wrong with you?

>> Oh, [ __ ]. >> Okay. >> Oh, good. And I'm crossing it out and. I'm replacing it with a $10,000 thing. cuz you are selling this tomorrow. It is. not aion with a call it a $500 minimum. payment. >> with a $500 minimum monthly payment. >> Yes. >> I'm just making sure. I don't know if we can get rid of the. carnival. >> Uh yeah, you sell it. Are you stupid? >> Stupid. Are you selling the carnival? >> We're going to have to. >> Good. I was about to end it if you said.

no. Good. So I can continue. It's not an. option. You guys can't afford life. >> Jesus Christ. >> Global lending services. Who owes this? Who is this? >> That is both of us. That is for. >> That's my car. >> Yo, $24,299.33. What do you think it is worth, big guy? >> Definitely not that. >> Definitely not that. >> It is definitely not that. What do you. think it is worth? How much did you say?

I'm sorry. >> You owe $24,299.33. >> It's worth maybe $15,000 to 16,000 if. that. >> 17. >> Okay. >> 68 a month. [laughter]. [gasps]. H. cash app 831 is in a balance, but it goes out every month. Wet. Oh, another car wash. Three in a month. Die. Mattress. Denver mattress. That was for.

her. That was for her brother. >> We purchased some sheets for my brother. >> How much were this? >> P house. >> $300. >> Going to get some. [ __ ]. Amazon. Amazon. Walmart. [ __ ]. [ __ ] What do you go when you go. into Walmart and get something for $10? What are you getting? What are you. getting. >> for something for $10? Usually like a.

shirt or something maybe. >> Oh, why. >> snacks? I don't know. >> Snack. What snack? You snack. >> for the kids. >> Them them buying bulk at Costco doing. that. You say kids all the time. >> I do say kids, but I still give those. kids with operator fee. Getting some. [ __ ] Getting some What? Did you go. into the gas station, get $884? >> Oh [ __ ] I don't know. >> [ __ ] [ __ ] [ __ ] [ __ ]. Taco Bell. Jack in the box. [ __ ]. You [ __ ] KFC you. >> KFC. >> That's racist. [laughter].

>> Taco Bell. Sending out money. Amazon. Cafe Elite. Smokey car broiled. Sending. money. Sending money. Vending machine. VENDING MACHINE. WHAT ARE YOU GETTING IN. THE VENDING MACHINE FOR $325? >> OH, that's my blue Gatorade. >> Buy it. >> Blue Gatorade. [laughter] You can BUY A. BULK OF GATORADE for $6. Jesus Christ. >> I don't always want it. So sometimes. it's just there. >> Bring it. >> IT'S CONVENIENT. >> SEND IT. TALK ABOUT SENDING. Sending. vending machine. Vending machine. Jack in the box.

Sending Wendy's. Sending sending vending. machine. Vending machine. You're getting. blue Gatorade every 10 seconds of your. life. That's. >> zero calorie Gatorade. >> Huh? Zero calorie Gatorade. >> I don't know. Is whatever. >> SHE DON'T LIKE THE SUGAR. [screaming]. >> SHE DON'T LIKE THE sugar-free cuz it. don't taste right. >> Elite KFC. >> Yeah. Elite is coffee. That's kind of an. every morning thing. >> Every morning. Make your coffee at home, you dumb. And make your energy drinks. >> Did you tell me to make my coffee at.

home? >> I did. >> Yes. And make your energy drinks at home. as well. 25 cents a serving. I guarantee. you it tastes better than Gatorade cuz. you can do the hydration versions as. well instead of the energy versions. So. take your free samples. Get your free. samples. Link in the description below. Type in code Caleb. >> and then get your when you order the. flavors you want the the nice big packs. 25 cents a serving but 10% off with my. code link in the description. No more of. this dumb [ __ ] Make your coffee at. home. Make your energy drink at home. That the hydration version. Better than. Gatorade. I promise. And it tastes It. seriously is better than Gatorade.

>> No. And it really tastes Is that this or. was that the other? >> Well, this is the canned version. There. are the powdered version. >> Was what we drink? >> The strawberry. Yeah, it's very good. That's. >> Yeah, that was really good. >> [ __ ] Vending machine. [sighs]. [ __ ] Sending sending Subway. Pless. smoke. Die market. [ __ ] [ __ ]. [ __ ] t Gatorade. Taco Bell. Olive. Garden. Ah, $5 in savings. [ __ ] [ __ ] [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ] [ __ ].

Donating. It's a [ __ ] across the. board from Walmart. [ __ ]. $200 in here. It's [ __ ] just check. protection fee. Overdraft. [laughter]. DIE. DIE. [screaming]. $400 OF overdraft fees this year so far. Oh, what are we doing? We're ruined. We're ruined. We're ruined. We're. ruined. This is one of the worst I have. seen in a very very very very very. You write this down. [ __ ] you. I don't. want to look at your budget. You don't. know what the you're doing. $400 in. overdraft. I don't want a single Chad GB.

thing that you do. I just have Chad GBG. >> Yeah. You don't know what to feed Chad. GBG. You don't know anything. You can't. give it accurate information. [ __ ]. >> Oh my. Are you kidding me? Are there. three more loans? >> Yes. >> What are school loans? Concordia school loans and credit one. >> Credit one is your uh silver card. [screaming].

>> I'm about to scream. >> Guys, why? Why are you doing life the way you're. doing it? You're you've destroyed your. kid's future. You're ruined. You're. destroyed. This is the. for a household that makes literally. $12,800 a month. WHAT DO YOU WANT OF YOUR LEASE? >> What are we what? >> WHAT DO YOU WANT OF YOUR APARTMENT? >> UH, next.

>> Oh, next. >> June July. >> June July. DIE. WHAT ARE BOTH THE rents combined? >> Uh, 2340 and$,350. >> I said combined. Oh, >> 37 no. >> 20 2340 plus what? >> 1350. >> 3,690. >> Both utilities combined, how much? >> Uh utilities combined, we're looking.

about 400 a month. >> That including with internet. >> That is with internet. >> Phone bills, how much? >> $200 a month. >> It was more than that, but whatever. Debt payments. Let's see. Let's find. out. What are your student loans? to. Concordia. What about credit one? >> So, student loans 10,000. >> Yeah. What's the monthly payment? >> They haven't given me one yet cuz I'm. still enrolled. >> Starts next summer. Oh, that's right. Okay. What about Concordia? >> Uh Concordia, the monthly payment is.

like 30 bucks. >> Okay. And credit one. >> Credit one is No, that one is a $2,000. limit. So, that one is about 120 200. sometimes on his. >> trade in the car and all that [ __ ] You. get the new car, 10,000 blah blah blah. Your minimum payments are still. $1,81157. Could be a big part of nice chunky. mortgage. Car insuranceances, how much? >> 720. >> Oh. Oh, that's insane. Gas. How much? Vroom. vroom. Drive. Drive.

>> Uh, probably about 600 a month. >> Oh, yeah. Per car. Yeah. >> For both of us. >> Yeah. Yeah, you're right. should be about a thousand for groceries. should be okay. It'll have to go up the. older they get. >> Minimum payment. Anything you and the. kids need to survive. This is tampons. This is makeup. This is school. activities. This is whatever. It. fluctuates monthto month, but we're. going to average it out at about 300. You can save one month, spend six the. next. Medical, healthcare. They're cop. what?

>> It's It's definitely more than 300 a. month. >> Q. No, that's not not anymore. >> The kids haircuts alone are like 200. bucks. What are you? >> What is wrong with you? >> A month. >> Go to great clips of every few months. Are you stupid? >> That No, I won't change their barber. >> Okay, then die. Then I don't give a If. you're not willing to change a barber, then go die on the Walmart floor. If. you're not going to change a haircut. place, are you stupid? I'm not going to. deal with this. I'm not dealing with. this. If you're not changing a barber, what the is wrong with you? YOU'RE A. MOTHER. CHANGE IT. >> I GET THAT.

>> 300. I DON'T GIVE a comfortable. >> Shut the up. I don't give a [ __ ] I. don't give A [ __ ] I DON'T GIVE a [ __ ]. $50 for subscriptions. Do you have. co-pays? >> No. >> On a monthly basis for medical? >> No. >> Gyms? How much outside of the one that. we're going to be canceling? >> Uh $40. >> You talking about the one you just got? >> The one that I have? Yeah. >> Pets, how much? How many? >> We have a a dog. >> Age and health? Yours is brand new and.

healthy. You. >> She's about five. She's fussy. >> Yes. >> $100 a month for pet insurance cuz no. way you guys can afford if something. happens to that dog and it's not fair to. them. Pet food. How much on a monthly. basis? >> Oh, like 50 bucks. They're small dogs. They don't eat a lot. >> This is a minimum survival budget, not a. we get to choose the barber we prefer. budget. This is a survival budget. [ __ ] You are a mother. You have kids.

to take care of. MINIMUM SURVIVAL budget is $9,02157. Minimum to survive. Now, the rent goes down when your lease. is done, obviously, cuz you're moving. back in. If we are going to be together. again, we budgeted like we were. together. >> Mhm. Your total debt position is $91,9342.

91,000 [ __ ]. $8342. We're minusing 10,000 from the student. loans. We're minusing. what's the car we're getting rid of? >> The carnival. Thank you're minusing. $34,757. cuz you're getting $10,000 on a car. $46,336,42. of bad debt. I. >> How much?

>> Say that again. >> 46, >> Mhm. >> 33642. I am giving you $500. of BS. If that is for better barbers, it. is for better barbers. If it's for going. out to eat, it is for going out to eat. If it is seeing family, it is seeing. family. BS is $500. >> Okay, >> that's [ __ ] it. >> Okay, >> 500. That's.

>> It's not even a. >> What? >> That's not what. >> What do you want? >> That's not what. >> What do you want? >> No, I mean I'm going to have to deal. with it. Am I not? >> No. >> I'm just That's That's a rock. >> Shut the up. gives you an extra $3,200. on a monthly basis. >> Did you [ __ ] say a Ross trip? >> Yeah. >> Divorce. With that $3,200 on a monthly basis, you're out of bad debt and 14, which is.

so beyond worth it. You guys are in a. privileged position. If you this up, it's on you and it's all been on you so. far. And you need to sit down and be. responsible as well. You need to come. together AND GO TO COUPLES THERAPY. TOMORROW. [screaming] WHAT IS WRONG WITH. YOU GUYS? and get a fully funed. emergency fund to start catching up on. retirement cuz there wasn't a retirement. to save our life. Join us in the post. show. We're probably going to call some. more people like the current boyfriend. and [ __ ] [ __ ] [ __ ]. [ __ ] [ __ ] Listen. Oddly enough, I already have someone. else's hammer financial score here, but. that's not you guys. Let's get the.

hammer financial score spending in a. budget. Well, let's see. You actually. did not spend more than you make, but. every it wasn't going towards that. It. was going to [ __ ] So, it's still. going to be a two out of 10 spending a. budget. Yeah. Well, it this is I mean, come on. You're over the limit. You're. collect. It's as bad as it gets without. collections. One out of 10. Actually, the firm's probably in collection. Zero. out of 10. Emergency fund. There was. nothing in savings. 010. Retirement, nothing. 0 out of 10. Real estate, nothing. 0 out of 10. Ridiculous. Ridiculous. Such an easy fix. And you. guys won't even do it's what a joke.

Buckle down. Couples therapy. Budget 14. months, then six month emergency fund. That only takes a few more months to get. cuz you have a lot of money left over. And then your debt minimum payments will. be zero. I don't want to. and you catch. up in retirement live 50 30 20 I'm. [music] done click that join button guys. join hammer elite three premium shows. posted every single day Monday through. Friday including extra 20 minutes of. this show and every other financial. audit which is called the financial a. post show make sure you get your hammer. financial score at caleb hhammer.com. I'll see you in the post show I'm going. to [ __ ] die. >> a month before our wedding I get a call.

and was like hey I need to have call me. I said what do you want she sends me a. picture of a baby and I'm like are you. serious and he's like oh no I never. slept with her. >> never slept with your Bro, it wasn't his. wife. It was another girl. >> I had started talking to this other. lady. Yeah, we had sex a couple times, but we didn't, you know, I, you know, we. didn't have a kid or anything like that. >> You don't know that. >> Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday.

Join with the link in the pinned comment. or description below. This is the best. membership you'll ever join, and that's. a promise.