Financial Audit's Most Abusive Husband

You blame me for everything you've done. wrong. >> Like what? >> You just like to hide behind me being. doineering as the ultimate excuse of you. can't do anything wrong. You can hide. behind me and say that's why you don't. talk to your family when in reality you. don't talk to them because you set that. boundary. >> I don't talk to them because my mother. quite literally said she wants nothing. to do with me as long as you're in my. life. >> And that's a choice you made. >> Get out for a second. I want to talk to. her alone. >> Are you afraid of what's going to happen. afterwards? >> A little bit. Not going to lie. He will. push me. He will shove me. There was one.

fight in particular that got very. intense and he. >> Something big is coming. Something. that's going to change personal finance. forever. And the first 500 members get. to lead the charge. Go to dollarwise.com. [music]. to change the future. >> Hi, this is Britney. I'm 23 years old. >> Hey, I'm Billy. I'm 24. We're from. Buffalo, New York.

>> And this is Financial Audit. >> Got some Buffaloos from Buffalo. Welcome. down, guys. Happy to have you. Brandon, you're the one in front of me. Let's. start with you. >> Okay. >> What do you Oh, you scared. What do you. do for a living? >> I'm currently unemployed. I am. >> That doesn't bring in much. I'll be. honest. Typically, [laughter]. >> um I have a temporary start date as. February 9th. >> Oh, well, okay. That's a few days from. now. Go on. to become a uh funeral. director resident in New York.

>> How's the funeral people that come on. the show? I guess people be dying. What. are you going to be making? >> Um it's allegedly going to be 19 and. >> allegedly. What is allegedly? What you. do you you're starting in a couple days. How is it allegedly? What is allegedly? You're afraid of a lawsuit. What is. allegedly? >> They might change it. >> They might change it when you've already. accepted the job. They might change it. >> The higher or lower? >> I don't know. They. >> did you actually not know? >> I've seen the offer letter. It's 19, but.

she's afraid. >> Did you sign it? >> Yes. >> Did you sign your employment? Yeah. Sometimes that's on the start date. >> Well, I'm just not sure I'll be able to. start on the 9th because there's some. processing that needs to happen. So, I'm. not sure if it. >> bodies or of you. >> of the paperwork. >> Okay. So, okay. 19 an hour. Uh, what do. you do, Billy? Cuz I hope you make some. money. Listen, I I actually don't know. the cost of living in Buffalo. I know. New York is higher, but uh Buffalo is. really out there. So, >> yeah, it's pretty similar to here. Um,

so I'm a software engineer. I make 85K a. year. >> Oh, yeah, you do. What hits your account. per paycheck? I assume this is why. you've been allowed to be unemployed. >> Yeah. >> How long have you been unemployed? >> Uh, I think I quit my previous job back in. late September. >> Okay. Curious why, but what hits your. account? >> 2600 bi-weekly. >> Yeah. Now, you look like a software. engineer, don't you? >> Yeah. Yeah. I looked it just I looked in. the mirror and decided, "Yeah, okay. I'll be a software engineer.".

>> Nothing gets women wetter than that. >> Am I right, girl? >> Yeah. >> I'm creaming right now. Okay. $5,200. a month. That's not bad. And then with. you, 19 an hour. What do we think that's going to hit? 19. 40 hours a week. >> Uh, yes. >> Minimum. Yes. They suspect some over. time. >> The answer for you. Do you know things? >> Sometimes. >> Not really. >> In general. >> Wow.

>> You You don't You just don't care enough. to know things. >> I know some things. >> Name besides dinosaurs. >> What do you know? >> I I don't know who the you talking to. right now. >> Who are you talking to like that? [laughter]. >> Well, if you knew, we probably wouldn't. be here. Is this how they behave in Buffalo? Okay. >> Yes. >> Uh,

okay. Well, so is that true? Do you just. not care? >> No, I do care. >> Well, you you he has had to step in and. answer for you. Like, if you don't. actually know your wage, I'm concerned. that maybe you don't. >> No, it it is 19, but like I said, I'm. not sure if it will stay 19. if I have. to redo the paperwork. >> It's doesn't really make sense to me, I'll be honest. But okay, let's get your. 40,000 bucks a year before any taxes. I'm going to assume in your account. I.

don't know. New York has a little bit of. an income tax, but it's not much for. your income level, actually. Are we. married? >> Yes. >> Yes. >> Oh, so we'll be joint, I assume. >> Yes. >> I bet you're going to get 2500 bucks a. month. Do we have any kids? >> No. Okay. Okay. Weird dynamic out of the. gate. I'll be honest. I'll be honest. What the is going on here? What are. we talking about? >> So, we've basically taken turns of who. has a job for the past couple years. Um.

>> Oh, you're the one that actually makes. money. You don't really. make money to be able to go on. >> So, it wasn't really willingly at first. Um, so I started at a lower wage, like. 19, like eight or 17, and then I got. bumped up to 19 an hour. Um, then I. moved halfway across the state for a. different job, and her home life was. rough, so she just moved in with me. immediately. >> Yeah, I've heard about that. By the way,

I typically go in blind, but I got a. little bit of a. information about you. I hear you're a. bit of a problem, but go on. >> Yeah. Um, so we ultimately, so she moved. in within like weeks of us getting. together and we got engaged like. immediately and our finances were joint. since then. Um, she was still in college. when we got together and she never. really like had to work until she was. done with college because I just didn't.

make her. >> What's your degree? Make her. >> Yeah, >> make her. This is lining up with. everything I've heard before, by the. way. Make her. What is make her? What? What the you mean make her? >> Well, so she's never like she's had to. work in the past, but not while in. college. So I just let her not. >> Let her not. So now you're What is it? Let her make. >> Here's the thing. I know you guys. applied because you said you need to she. needs to learn how to budget. >> Yeah.

>> All the debt is you. >> Yeah. And not only that, again, usually. I really do go in blind, but I think I. just I had a little I wanted to read. this morning. I took a little look. Dude, she her mom literally held her. wedding dress to prevent her from. getting married to you. You're an issue. >> You're a problem. Something's up. >> Well, the thing is, so her mother is. very much a narcissist and she thinks I. >> was your mother's fault, not you the.

problem. who says she needs the budget. at all. The debt is literally hers and. not hers at all whatsoever. And you're. deciding whether or not to let her work. or make her work. >> Yeah. She didn't have debt before me, but she didn't have a degree either. So. >> I also didn't have collections before. you. >> And you didn't have a job either. So. >> I had a job before you. >> You didn't when we got together. You. didn't when we move when you moved in. You didn't until well after graduating. You didn't have a driver's license. either. I helped teach you to drive.

I got you a car. >> So, what? Are you my savior? >> Maybe. >> Well, that's an interesting perspective. to put you at. It's almost like you kind. of like I don't want to throw out. buzzwords. I'm not in that part of the. internet. I'm not one of those virtue. signaling freaks. But, I mean, the mom. said you'd murder her. You kind of. locked her in, didn't let her work, engaged to her immediately, separated. her from her family. It's a little. groom. >> She could have worked if she wanted. I I. wouldn't have prevented her from. >> forced her, let her. And now walking.

that back. >> third time being like, you wouldn't. prevent her. It's not really the. language you used. And your mom was. literally afraid. Her mom was literally. afraid that you might murder her. That's. not even an exaggeration. >> Literally was afraid. That's not. narcissism. Narcissists aren't afraid of. murder. It kind of groomed her. We were both. young enough like it's not like there's. not a big age gap where I couldn't. necessarily the age gap thing. I mean. the more little definition which. typically yes is more for someone that. is a minor but separating from the.

family not letting work using your own. language on that by the way. I know. you've walked that back now really. controlling the finances moving in. immediately immediately engaged. It's a little not to go full internet. creepy and weird. >> Yeah. I mean, it was all her choice. I. She could have walked away at any time. >> I couldn't have. He controlled the. finances. I didn't know what the bank.

accounts looked like and he got mad at. me every time I looked. >> And you just didn't ask. >> Bro, that literally [laughter] just. contradicted everything you just said. What the. >> Okay, I was not expecting that. I'll be. honest. Okay. Taking me for a little bit of a. turn there. So, fully controlling the. finances. But she said she asked. You say she. didn't ask. She could have left. She. said she couldn't. [laughter] What the. what? So, she would only try to bring. the conversations up very late at night.

in bed when I have to get up and go to. work in like 6 hours and only only ever. ask about it at like 2:00 a.m. And. that's when I would be mad. It's not. that we were I was mad about talking. about. >> Okay, then bring it up the next day. >> Yeah. And I did. You bring it up the. next day. >> I would. And then she would say, "Ah, it's it's fine. It's we just won't talk. about it.". >> Ever seen your entire life sold like a. grocery receipt. This little horror. novel is everything a data broker. collected about me and probably you as. well. My phone number, income, credit.

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follows up until your data stays gone. Most services quit after one email, and. Aura keeps protecting you. So try Aura. for free for 14 days at aura.com/hammer. That's more than enough time for Ora to. start deleting your digital paper trail. Now, let's get back to the show. Hopefully, with fewer strangers knowing. your home value, Britney, >> it would never line up when we wanted to. talk about it. I asked about it. I would. open up whatever app and look and see. what balances are and what's owed. And. >> if you can do that, you don't need me to. talk about it. If you can see the.

balances, we don't need to talk about. it. >> I couldn't see everything. You hid. things from me. >> I didn't hide from you. You have. all the login. >> Not all of them. you. I use the same password and. username for everything and you know. what that is. >> Okay. >> I mean, I'm talking about out of the. gate, too. The weird separation from. family. She literally doesn't talk to. her mother now because of you. Specifically, because of you. You've. basically cut that contact, cut that. relationship, you cut her off from the world. That's.

red flags galore, dude. >> Yeah. And again, I do not throw things. out lightly cuz people throw around. these buzzwords like crazy, but I'm just. going off the information. And I know it. got weird here, man. You borderline. stalked her when you saw her. You had a. girlfriend. Again, I did a little bit of. reading. You had a girlfriend. immediately threw her out, downloaded. and paid for all the premium versions of. the app to try to go refind her again.

>> and did everything in your world to find. her and then the moment you did moved. in, locked her away from her family. Stalking then separating, controlling. the finances, not being willing to talk. >> Yeah. Well, the relationship I was in at. the time when she originally found me. was a longd distanceance relationship. where we were on and off again. what I. just said. >> It's how you went about it. Finding her. and locking her away in the castle. >> I I didn't lock her away. She again, she.

could have walked away at any time. >> Yeah, but you know, she was not in a. financial position to do so, >> which is concerning. It is concerning. when we see a woman in that situation. specifically. >> Not that you're weaker as a gender. I. don't know. But it is a bit weird. because men do tend to take a more. doineering presence in a traditional. relationship. And if you're taking over. the finances, no, if she wanted to. leave, she actually really couldn't. She. wouldn't have a dime to her name. Especially if you wouldn't let her work, discouraged work, and then you started.

to think about forcing her work. It's. odd, man. It's odd. >> Yeah. Yeah. So, I I know it looks bad, but it's just It's really not. I. >> It looks bad. You literally Okay. Didn't. say this yet. made her forced her to. quit her job which would give her some. sense of financial independence if she. needed to leave. You forced her to quit. her job. What job was it? >> Uh my previous job was uh I was a. collections agent at a bank. >> And you forced her to quit.

>> Yeah. She was a going to be fired. anyways and b. >> Why why can you say that? >> So her department was not doing well. whatsoever and they were saying we're. going to cut the department entirely. So. e and she already. >> burn get fired and get some severance if. that's a potential option. >> Also she. >> also laid off not fired. >> She was also miserable every night at. that job. >> So here's the white knight separating. her from the reality of the world and. any kind of financial independence she. might have.

>> Yeah. >> She was miserable every day and was. working on studying to take the exams to. become the funeral directing resident. there's exams you have to take that she. was studying for and if you fail it, you. have to spend like another $600 to. retake it. So, I told her, "Well, just. quit and study full-time for a month or. two, then take it, and then you can. still be in that role come the start of. the new year.". >> That's pretty. This is a lot of.

stacking up that looks off to me. I I don't know. >> You don't know hearing that? What all do. you think? What all do you think? Are. you afraid to speak on what you think? >> Um. I do feel like I should have stayed. >> You should have stayed at home. >> Better job. >> No, I should have stayed at my job. because I feel like I I knew you were. going to like, you know,

use it against me. I haven't used it. against you yet. >> We've fought over it before. >> Yeah, we've fought over it before, but. that's not me using it against you. It's just Yeah, we just haven't had that. much money. And Okay, your haircut. Well, you want to go to that argument. here? >> Sure. So she goes, "You in the entire time. we've been together, she has gotten. exactly one haircut." And the only time.

she's ever mentioned it was so the only. haircut you've gotten was a couple. months before the wedding and that was. um 23. So or octo October of 23. So she. hasn't asked since then for any kind of. hair styling whatever whatsoever. But. then a week after quitting her job, she's like, "Hey, I want to go get my. hairstyled." And it's like, "Well, okay, sure, you can, but you couldn't have. maybe done this a week or two ago when.

we had the additional income. >> It would have been like $20.". >> But then when I ask you again about it a. couple weeks ago and tell you, "Dude, seriously, it's fine. We'll work with. it. It's whatever. Just get go get it. cut." You're saying, "Well, no, it's. going to be like two or 300.". >> I don't remember saying that. >> Of course you don't. It wouldn't be it. wouldn't be two or 300. It would be like. at most like maybe $40. >> And I've been telling you to go for. weeks. But because in the one time I. said, "Hey, I'd prefer if you had done. it when we had the extra income." I'm.

the. >> Yes. Because. >> if if if you're going to spend $50 on. something, would you rather have an. extra amount of money to do it or not. have the extra amount of money to do it? I would say always rather have the extra. money to do it. >> It shouldn't matter. It It really. doesn't matter. >> And that's why I ultimately said just do. it. It I would prefer to have the extra. income when you had done it or when you. will do it, but it's really not the end.

of the world. >> No, I will do it when I have my own. income cuz it's caused such a fight. before. >> It's the only reason it's causing a. fight is because of you. I've said to. just go and get it cut so many times. >> I don't understand why it caused a fight. in the first place. if you're you're. willing to spend $40 on McDonald's. >> I didn't even want to say that in. the first place. All I said is okay. And. you took and you then argued, well, what's wrong? And it took you asking. seven times before I said ultimately, I. would have preferred if you had done it. when we had the income. But it is what.

it is, but because you dragged it out. Yeah, I did say it. >> I always have to drag things out of you. >> Yeah, because any conversation we try to. have is a fight. >> Yeah, because you don't tell me what's. wrong. Because you don't ask. You wait. until gets to the boiling point and. then ask. >> No, I I do ask. >> I have to ask so many times before you. say what's wrong. >> Yeah, because most of the time it is. That doesn't matter. It's oh, my sock has a hole in it. That.

doesn't need to be a massive thing. And at a certain point, the thing that's. wrong is you continuously asking what's. wrong. So, to be clear, one, you're. shaking your hand. I don't know if it's. the diabetes or rage. Two, listen. Complaining about her getting a haircut. like twice in 3 years and needing socks. that don't have holes in it when. literally all the debt is you. Not one. is on her. >> Some of it is.

>> Maybe some of the stuff you financed and. let it go to collections. >> I know that some debts are under her. name that you forced her to open. She's. got student loans and the car was a. joint decision which we'll get to when. we get there. >> Joint is anything joint here. You. steamroll her. You lay on her. >> She just doesn't have she just doesn't. say And then when she does, she. just doesn't stay on it. >> I don't think I honestly don't think in. the end you give a about her. >> I phone [clears throat] call last night. She was going into the whole big story.

about how she was in the ICU and almost. died. Very tragic, very sad. There was a little bit of a pause right. after she said that and then you come. in, you chime in. But did you die. though? >> Yeah. Well, every every single time. anything happens, it's just, well, I. almost died last year. And like, yeah, sure, that is sympathetic, but you you. didn't. And yeah, sure. You're saying, oh, this is going to come for you in the. long term, that it's diabetes catching. up to you, and you're worried that you.

don't want to do certain things because. you think it's going to come for you. But yeah, it did almost come for you. yesterday. And you're right, you did. almost die last year because of it. But. ultimately, you didn't. And now you're. taking care of it so that doesn't happen. again. So like, yeah, it did happen. And. yeah, you did almost die, but ultimately. you are now doing the steps to prevent. that and you are now taking care of. yourself in a way where that won't. happen again. >> That's not necessarily true.

You have a constant glucose monitor on. your arm. You check your blood sugars. constantly. You take insulin. It will not happen again. Before you just ate whatever, didn't. take insulin and just didn't give a. So yeah, ultimately it's going to. happen eventually. You have tits bigger. than my head. [laughter]. >> What are you talking about? Are you. telling me you do not have diabetes? >> He's not yet. >> Yet, [laughter] dude, you're 24. I'm.

assuming type two. >> I actually have no idea. >> Shouldn't you find that out? >> Um, I probably should, but. >> her mother never had her tested. >> Oh, okay. But you have been an adult for. like 7 years now. I know he won't let. you out of the house, so I understand. that. You know what pisses me off? People. sitting around with 25,000 in credit. card debt making minimum payments. thinking they're fine, but you're not. You're getting crushed by compounding. debt every single month. Every fee and.

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>> Why don't you care? Why don't you care? Because this guy right here is fully. controlling you. I wouldn't be surprised. and you for this, but I wouldn't be. surprised. if you just didn't care as much about. life right now cuz you're just not. happy. I mean, two haircuts in a few years. What the are we doing? She can't look. like a woman. She can't feel beautiful. She can't do what she wants to be happy. I'm not saying treating ourselves.

manning and petty 5 seconds of every. day, you know, all the time. No, but two. haircuts in two years, not wanting socks. with holes in them when you're making. nearly six figures. What the are we. talking about? I would assume maybe. she's not that happy. Would you not? >> No, I wouldn't be. But if I wanted a. haircut, I would mention it more often. than just a single time a week after. quitting my job. >> Why is that the biggest thing in the. world? Listen, when people quit their. job, which by the way, you forced her to.

quit her job. She wishes she stayed. there. She is saying that now. But so. that kind of comes with like the feeling. of a layoff anyway. If you were. convincing her she was about to get laid. off. People get in depressive episodes. when they get laid off. Even quit. They. lose something. Maybe she wanted to look. good for job interviews, for feeling. better. She wanted to inflate herself. and you are obviously the bread winner. in a lot of ways and that traps her to. be clear. But either way I could see is. it the best time to get a haircut. logically? No. Emotionally you can.

understand it though. Yeah. And you said. 20 bucks. 20 bucks. I know for a fact. looking through everything you. prioritize every single day $20 minimum. of takeout over her needs and her wants. and her desire and any kind of potential. future together. 20 bucks for a haircut. You That's what you're hung up on. You're freaking out about 20 bucks for a. haircut a few years ago. What is wrong. with you? >> And and that's why I told her to just. get it cut. >> Yeah. After you guys fought about it and. literally just reought about it, it.

somehow lingers on you. I I don't even. know how it's possible. >> Sorry. I I need a moment to figure out. how I'm going to phrase this. >> Oh, you take your time. Yeah. be careful. with your words. >> So, she likes to just ignore things. until it is such a massive thing to go. back and correct them. >> Really? >> Yeah. Really? >> Really? >> Yeah. >> What about your weight?

>> At I don't think there is correcting it. at any point. >> Yeah. Not at this point. >> I don't think [clears throat] there was. at any point. >> We live in a world of OMIC. >> Yeah. Um, I can't. >> It's the easiest. It's not bad. >> I can't. Um, >> and what about the pill form? >> I No, like I can't do either. Um, both. affect your. >> I think you can consume less calories. than you. >> that one. Yeah. Um, but my mother had. thyroid cancer and it runs in the family. and those tend to trigger that. >> Eat less. Yeah. >> Eat cleaner.

>> Yeah. And I was. >> What do you mean you can't lose weight? What is this? I can't. >> No, like I can't do the morbidly obese. You're not just You're obese, but you're. morbidly obese. >> Yeah. >> I'm obese. You're morbidly obese. >> Yeah, I I was doing well for the first. half of last year losing weight and then. I just immediately fell off once I got. laid off. I got laid off. >> For how for how long? >> I was laid off from um May until the end. of July. >> Now, why the are you guys even. considering having kids? Cuz I know this. is a huge disagreement you guys have.

Having kids, what the are we talking. about? Is it one of those? And please. tell me he really wants kids. It's. grounds for divorce if we don't. >> From whose angle? >> From mine. Because going into this, she. said, "Yeah, I want kids.". >> If she trapped her Yeah. Okay, go on. >> If she didn't want kids from the start, I wouldn't be in the position of like, "Oh, this is a serious issue." If she. had just upfront been like, "I seriously. don't want kids and it's not a.

possibility." we just wouldn't have. gotten together because that is one of. those bigger things that couples just. can't just it's a major life decision. And yeah, if you now don't want kids, that is you fundamentally just lying. about who you are as a person. It is. just such blatant false advertising. >> because I'm not allowed to change my. mind. >> You can change your mind. Wear a. different shirt, wear different shoes, whatever. But changing your mind about a. major thing like that years later.

>> Yeah. But you've also said that we could. consider adoption, something like that. >> Yeah. And you've said you don't even. want to do that. >> You guys even have kids? >> No. No. We don't have kids. >> No. Can you? >> Oh, yeah. Probably. >> Probably. Buddy, I'm looking at you. There is a very, very high statistical. chance your nut does not carry enough. sperm. >> Yeah. >> Yeah. You could probably raw dog, right? How often do you guys. >> um. [laughter]. I don't know. How often do we.

>> not often? >> Yeah. And I'm sure you wish it was even. less. But yeah, I don't think if that. was raw dogged anything would. result in anything anyway. >> Yeah, probably not. She also she blames. me for her birth control. >> What. >> I do? >> What? No, no, no. Just tell me what the. is going on, dude. Oh, what the is going. on right now? Go on. Please tell me. >> you you didn't re research all the. different types. You went with the stick. because it's the safest, lowest.

maintenance, whatever. And then when you. had side effects, tried blaming me for. them. without researching the side effects. heavily first. >> Sorry, I don't know if we can we go into. abortion. >> Uh you can go into whatever you want to. go into. This is up to you. >> Yeah, that's that's part of the reason. why that's actually a big reason why I. went with birth control. He made you. have an abortion? >> No, he said that if if I ended up. pregnant, we were keeping it.

>> Well, yeah, that's what birth control's. for. >> Uh but also condoms and. >> Yeah. >> more. >> And the biggest thing is I if if we if. she gets pregnant, I want to keep the. kid because I want to have kids even if. it comes at an inopportune time. >> If if I don't if I'm not ready for it, I. I don't want to have it. And you've said. that if I if I have an abortion, that's. also grounds for divorce. >> Yeah. Because it's just it is a Yeah. It's ultimately your body, your choice, whatever. But it's not like it it's also.

my kid, too. >> Yeah. But I'm not going to push out a. kid if I'm not ready for it. >> That's the thing. Nobody ever thinks. they're ready for it. Nobody is ever. fully ready for it. >> Okay. Let me correct myself. I don't. want to have kids if we're in thousands. of debt. >> We're always going to be thousands in. debt. >> Yeah. because of you. >> Okay. >> I didn't have debt before you. >> I mean, that seems relatively fair. And. the debt that she does have in her name. is debt you forced upon her made her. open up on her own. Besides the joint.

car, >> also student loans. >> I think that is kind of fair. Okay. But. student loans are such low interest, high protection debt that usually has a. good return on investment compared to. the rest of the. >> Yeah. So, how does communication even. work in this house? >> It doesn't. >> It doesn't. >> Yeah, I'm getting that. I feel like. you're a doineering force and I feel. like you should not be there but um you. don't really make money as it would be. kind of unfortunately impossible. Uh. could get you connected with resources. We'll see that. We'll send those to you.

separately. But the thing is. maybe just say you don't want to have. kids. It's kind of a get out of jail. free card. Grooming over. >> I'd like to stay with him if I can. >> Like I'm not trying to be mean. Like are. you dumb? >> Are you I think she's done. >> I think she's done. I think she's done. >> Why? After all this, why? After all. that, why? Possibly. Because you don't. know what anything else looks like at. this point. >> Well, he he does have a point. He did. help me, you know, get through college,

get my driver's license. >> Well, I just help though. I mean, that's. just you. That's that's very basic stuff. that that that should that should not be. gold stars for him. That does not make. up for the him prioritizing yelling at. you. Literally yelling at you for $20. haircut. Literally not getting you socks. with holes in them. Literally. prioritizing 20, $30, $40 to take out. every single day over you just having. any semblance of normaly. Cutting off. your relationship with your mother, moving you in early, you know, uh. forcing you to do all these different.

things including to have kids even if. you don't want to, which I mean I do. understand that that would be maybe a. little upsetting if you guys agreed upon. that. I can see that. But someone's. allowed to change their mind and their. marriages are also allowed to end. But. the thing is with the guilt trip he'd. probably use over you, it would likely. be, "Oh, you're going to have a kid even. if you don't want to if I'm being. completely honest." Because I have a. feeling this guy always gets his way in. the end and you kind of just go along. with it because. you're stuck there and you've known. nothing else besides this in your.

adulthood and you're cut off from your. resources. You really are. This is I'm reading this. from an outside perspective. No one will. ever know what truly goes on in the. household more than you guys. That is. true. But after all that, really, that's. what you want to have kids with. After. everything I just said. >> Yeah, he did help me a lot. I just think. he went about it in a way too doineering. way. >> What's the health though? Driver's. license. That's not a gold star. That. doesn't make up for all that.

You're giving him credit. That is very. basic. Hearing you say that is actually quite. sad. It is quite sad to hear. because you shouldn't be thinking like. that. Like he doesn't that is an excuse. and it's very basic. That shouldn't even. be congratulatory. It really shouldn't. The fact that it is means that there's. absolutely nothing. >> I do think it's also a little bit of. sunken cost fallacy. >> Oh, sure. I mean, how many years have we. spent on each other now? >> Four.

>> Yeah, >> it is hard to see that just go away. It. is hard to see that entering our second. half of the 20s and it's just like, well, I spent all this time. What am I. doing? I get that. >> I feel like, yeah, I might be bad, but I. know her mother's worse. >> What the are we talking about? That. doesn't even matter. Maybe her mother is. a bad person. That doesn't mean you get. to be bad. That does not excuse that in. any way whatsoever. What the kind of. cope is that? That's some right. there. Never going to accept that kind.

of answer. The you talking about? So, the conversations, they don't go well. Obviously, you streamroll. Steamroll. But what are some financial. conversations that actually happen in. this household? Disagreements, things I. want to understand a baseline of what's. happening. >> So, we just don't really budget. whatsoever. Um, we don't come to. agreements. >> We when you applied and you talked. yesterday, you said she needs to learn. how to budget when in fact all this is. your issue. So, now you're saying we. Mhm. Good look.

>> Yeah. Well, there is no budget. whatsoever. We just. >> we. >> do we get groceries. We don't cook them. because she usually wants something. else. >> Mask gets take out every day, dude. >> The takeout isn't usually my idea. I. just. >> really. >> really. >> Is this true? >> I do feel like you will put it in my. head that you want to do takeout. >> and then it's ultimately me who says yes. or no. >> Yeah, I see every idea in your head. You've never had anything bad in your.

mind whatsoever. Everything you've done. wrong has ultimately come from me. Right. >> No. >> Going back to old reliable. >> I think that's what you do with the. takeout. >> Old reliable. What? >> Yeah. What do you mean by that? >> You blame me for everything you've done. wrong. >> Like what? >> You just like to hide behind me being. doineering as the ultimate excuse of you. can't do anything wrong. You can hide. behind me and say that's why you don't. talk to your family when in reality you. don't talk to them because you set that.

boundary. I don't talk to them because. my mother quite literally said she wants. nothing to do with me as long as you're. in my life. >> And that's a choice you made. I didn't. tell you to do that. She gave you the. ultimatum. >> And you're also the reason I don't talk. to my brother. or my nephews. >> Why don't you talk to them? >> Because issues with the wedding. >> And what were the issues? just people.

didn't want to cooperate. >> And why didn't they want to cooperate? >> Because you were. I don't even know what to call it. You. were in charge of every single decision. with the wedding. I couldn't even have my grandparents. there because you didn't want them. there. >> You said you didn't want them there. >> I changed my mind against. >> You changed your mind after we gave the. venue the full guest list. >> No, I didn't. You also said that you. were going to invite them just because.

it would appease your mother and you. didn't want to argue with her. >> That wouldn't that wouldn't have been. the only reason I had them there. >> Well, that's not what you said. >> Oh, guys. Oh, what the. what the I asked for what a financial. conversation is like and it devolves. into that. What the I don't even remember. your answer for what does a financial. conversation look like. I don't even. remember what was the answer. Oh, take.

out. So, you say, okay, you say it's her. idea, but you but she said that you. start planting the idea. Listen, I also. know from my little ready ready before. that every time she doesn't want to do. something you like. You just endlessly. accuse her of pushing the goalpost on. everything. Like, she's not allowed to. have any ground to stand on. >> She can. She just chooses not to stand. on that ground. I want her to push back in conversations. right now. I I want her to be arguing. I. want her to talk more, but she just.

won't. So, yeah, it leads to me being. >> do happen afterwards. >> Are you afraid of what's going to happen. afterwards? >> A little bit. Not going to lie. >> Okay. Okay. I don't like that. What? Tell me. >> You just You're so controlling. >> In what way? >> What do you mean the finances? You you. our accounts are in our joint name. You. have access to them. You can log in on. your phone right now. Open a bank.

account somewhere else. Transfer all the. money to it. With your new job, I've said, "Hey, let's do different accounts for each. other. You can keep a large chunk of. your money separate. I'll keep my chunk. separate. We'll divide the bills.". >> You've gone back and forth on that so. much. >> Yeah. Because I want you to have an out. if you want one. I don't want to be. accused of you being with me just. because of the dollar. >> And then I'm an if I have a way. out. >> No, I want you to have a way out. You. said if you want a way out, I want you. to take it. >> You said originally that if we had.

separate accounts that you were going to. divorce me. Everything leads to divorce. with you. Everything's ground for. divorce. >> Manipulator. Grooming manipul. Get out for a second. I want to talk to her alone. Get the out. for a second. Okay. I don't like you. right now. Leave. We'll take you to a. different room. Yeah. We're going to. waddle your way. Bye-bye. Bye-bye. Bye-bye.

Bye-bye. Are you okay? What the is. this household? Listen, I know I This is. on camera right now, so of course he. could see this and probably will, but. the fact that Okay, well, we will talk. off camera afterwards to be very clear. alone with you in private. my production. staff. But while we are here, are you. okay? Do you feel safe? Do you look what. the is going on, dude? This is insane. This is not Listen, I knew he was a. problem. Um, when I was reading.

before and, you know, got some. information, but I didn't think it was. to this extent. Hearing the actual. language and disagreements and the way. he's just endlessly throwing you under. the bus and like you're you I'm happy. you're at least saying you are a little. nervous afterwards, but are you okay? >> Yeah. [clears throat] Are you safe? >> Generally yes. >> Generally yes. That is not the answer. someone wants to hear. What is generally. yes? >> Uh we do have fights. They get pretty. intense. >> Tell me. >> Um.

there have been a couple times where. he's. physically threatened me. He will push me. He will shove me. There. was one fight in particular that got. very intense and he. grabbed like the collar of my shirt and. yanked me back and it choked me. >> We did not know this, did we? Okay. Okay. This is going a different. direction. Um, first of all, I'm going.

to let you know that is beyond. unacceptable. That is disgusting, unacceptable, and uh. there's really not words to describe it. And listen, Oh, Okay. Um, afterwards in. private, we would like your private. communication. Also, I know he's. watching this. You by the way. Um, that's on. No, that doesn't happen. That doesn't. happen in love. It doesn't happen in.

passion. Listen, a little scream here. and there between two spouses, big. passions, okay? physical choking, collars, grabbing, pushing, that doesn't. happen. Stopping someone from leaving, that doesn't happen. That's not love. That's not love. And that is not how a. man should treat. his wife. It's not how a wife should. treat his man either. But to be very. clear, there is, you know, genetic and. biological things that he is likely to. be stronger and he is in that position.

of power and. that is unacceptable and I'm sorry. Um, so what we're going to do off camera, and again, I know you're seeing this, go. yourself, we will get you contact information, especially for any kind of local group. we can find, but certainly national. I need to be very clear next time that. happens. Couple options. Definitely call those. numbers, those resources we provide. I would say text us is just like I want.

to make sure that what is happening has. an instant response, you know? So, it's. like, you know, definitely feel free to. keep us updated. We we'll try our best. Um Lindsay is going to give you her. personal phone number she just said cuz. I mean I don't think you realizes how. that actually is. I really don't. You've. been trapped inside of this. >> I've been looking past it. >> You Yes. Well, you have you've been cut. off from your outside world. It's. terrifying. But 911. police report that is violence.

I know that sounds extreme. And in that. moment, you're like, "Oh, I do love. him." And you can love him. You can love. someone and it be a bad person and bad. relationship and bad things at the same. time. They don't have to be mutually. exclusive. They really do not. >> Mhm. >> Yeah. Violence escalates in domestic. abusive relationships. And. the fact that that has already shown. signs in just a few years, and we're. talking potential decades left, and he. manipulates. He knows you love him. He.

knows you don't have anywhere to go. You. have no money. He gets you to leave jobs. and he cut off all your relationships. He knows that you can't leave. Raise your hand if you've been meaning. to book a doctor's appointment for, I. don't know, the past year. Yeah, mine is. up, too. I used to doom scroll symptoms. at 2 a.m., self diagnose with whatever. WebMD threw at me, and say it's probably. fine, and then continue ignoring it. Classic. But this year, we're doing. better with today's sponsor, Zakdoc. Zakdoc is a free app and website that.

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same day, in person or video visit. It's. your call. I use it, and honestly, you. should, too. So, stop putting it off and. go to zodoc.com/caleb. to book a doctor you love today. That is. zc.com/caleb. Thank for sponsoring this message. Let's. get back to the episode. That's kind. ofing stupid, I'll be honest. But what's. not is actually getting a checking. account that gives you free money. Free. money. We like free money. You can get. up to $350 in bonus cash right now when.

you sign up for the checking account. that I use. Chime. Also, it makes your. savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and. get free money at the same time. Who. would have thought? That's incredible. Check it out. Link in the description. below. Sign up for time. GET THAT $350. RIGHT NOW IN YOUR checking account. So, he threatens that divorce and it's. terrifying. It's manipulative. It's. disgusting. >> I don't exactly have anywhere else to. go. >> Exactly. So, we're going to try to get.

you set up with resources so you do have. a place to go, but also the police is. okay to call in those moments. Uh, it. really is. I mean, for what it's worth, I'm not saying this is necessarily. something I encourage, but we had a. members audit and their situation. had domestic abuse. It was from the wife. to the man and that was a couple years. ago when she actually faced uh. punishments cuz he called the police and. she ended up getting mental health and.

she dramatically improved her life and. they were able to reunite and now they. actually have a good life. So, there is. a better future potentially. I'm not. that I don't want you to just grab onto. that and go through a world of just. for that. But I'm just saying maybe help. can be provided. I will set him up with. a therapist. Maybe he needs to control. his anger. Um, but just because you call the police. doesn't mean that it's the end of the. world. Okay, that's what I'm trying to. say with that. Because she faced her. consequences. and he was safe and their kids were safe.

and they were able to come back. together. What's your friend's situation like in. your areas near you? Cuz I know your. family situation's a bit strained. >> Uh you said friends? >> Yeah. >> I don't really have any. >> Yeah. Okay. >> I think I I have one. >> I just don't talk to people. >> Okay. Is that a you thing? Is it kind of. what's been encouraged? >> Um. it's it's more so me. I just don't talk. to people.

>> Okay. Listen. So again, we are going to. do that. I am gonna. bring him in. I am going to get him. So. I'm going to treat this as hopeful. optimism, but prepare for the worst. Okay? Prepare for the worst with sending. him to therapy, deal with his and. you, you know, uh, we're going to get. you resources, hoping for the better that he gets the. under control. If you guys actually. do love each other and want a future, we. will do the financial audit as normal, okay? because I know that's what you.

guys came here for and I'm going to. deliver what we have promised. >> But this is a bit up and I need you to. know that. >> I'm okay. >> Okay, we're going to bring him in. We're. going to bring him back in. Okay, welcome back. >> I feel so welcomed. >> Have a seat. Don't break it. Pull in the mic. >> Listen, why do I have a note that you. told Lindsay that you're annoyed she's. going to start working again and you're. going to be bitter once she starts. working again? Why do I have that note? What the is that?

>> So, when she starts working again, >> well, she's going to be able to have any. kind of independence. She might be able. to leave if she desires. >> No, she's going to be constantly. complaining that I work more that I make. more than her and I don't have a degree. and she does. And I'm sick of hearing. it. >> Yeah, he he doesn't have a degree. He. didn't go to college for what he works. in. And. >> I don't think we should be bitter about. that. I just I feel like I I worked so. much harder for my profession. >> Okay. I mean, this is the first time I'm.

going to take his side for what it's. worth because I just want to be. objective on each subject matter as a. whole and not take in account the entire. conversation. Uh cuz I'm kind of antiu. right now. I'll be honest. But I mean. that's fine. You can get a. certification, make more. You can go. through trade school and make more. I. mean people go get doctorates in art. history and they're going to make less. It's like it doesn't matter the amount. of time and hard work and I don't. different careers have different demands. and the market pays what it pays. He. he's also in a career software um.

engineer where it's had the second. highest layoffs this year so far. So. it's uh or last year federal government. being number one but. like it's it's not it's not roses and. perfection. It's also $80,000. A lot of. software engineers especially in New. York make you know 100,000 plus. >> Yeah. I don't agree with that. I will never agree with the path you. took. >> I. >> then take it yourself. >> If what I do is so easy, do it.

>> I already h I have my degree. >> Okay. >> I I did the two-year program. I have my. degree. Funeral directing. >> Well, again, so you're just getting the. demand that kind of comes with that. You're getting the pay that you signed. up for the degree that you knew the pay. >> I mean, that's fair. He knew the pay for. his role as well. Ex. >> That's why that's why I did it. [laughter]. >> How did you go from 19 an hour to 80K? Because. >> he's a software engineer. >> Yeah. I. >> What do you do besides sit at a computer.

all day? >> It doesn't matter. >> I'm a computer. >> Doesn't matter. It's what the market. demands. >> It literally doesn't matter. It It doesn't matter. Like what the. market demands is what the market. demands. We don't live in like. communism. >> I don't agree with it. >> Is it jealousy? >> A little bit. Okay. >> I went to college for 2 years. I did the. classes for 2 years. >> Um, yeah. But you you knew the pay. though when you went into it, right? So, you're choosing to pursue that path, but. you knew the pay. >> I just I still think that I should not.

always make less than you. I will always make less than you. >> Not again, not necessarily. If you the. high end for a funeral director is. probably on the higher end of what I can. make as a salaried software engineer. >> because that true. >> if if she were to ultimately open her. own funeral home after. >> whole business though with loans and all. this. >> Yeah, that's typically the end goal for. funeral directing. >> Okay, I got to jump into these finances,

guys. Listen, um I don't know if you. should be together. I also want her to. have independence. Definitely wouldn't get kids yet. marriage, I would have taken a little. more time. I need uh there's going to be. some separate conversations after this. episode. I will be honest. Um. yeah, not the biggest fan of what you. guys got going on. Let's see for a second. What do you guys. think your household financial score is? >> Zero. >> I think maybe like a three.

>> Okay. If you want to see where you stand. in the world of finances, take the. Hammer financial score for free. just. takes a few minutes at calehammer.com. See where you stand, where you're doing. poorly, where you're doing great. You. guys are awesome. I love you guys. And. make sure to download the new and. improved and awesome Dollarise budgeting. app. And make sure you sign up for the. annual version. You will get my signed. budgeting cookbook signed directly to. you. That ends at the end of March and. then it's gone forever. You also get my. signed You also get my sign.

You also get my signed meal plan as. well. So check that out, guys. March is. the last to get both and the cookbook is. gone forever. All those links are in the. description below. I know you applied to. work here. >> Yeah. >> Were you guys going to move to Austin? >> Honestly, I Yeah, I probably would have. >> I wish we could keep a closer eye on. you. >> I I do I'm not a huge fan of Buffalo. There's just not much going on. >> It is. >> That's Yeah. Yeah. Honestly, yes. Only. people that like football and even them.

>> But do you move? >> I would. >> No. Do you move? >> Austin's an active town. No. >> Yeah. Well, >> what would you do here? Barbecue. >> maybe. I've I've heard good things. >> Um. >> Yes. >> Well, I ultimately part of the plan is. to lose weight, but. >> funny. I'm sorry. Listen, as a yo-yoer. myself, as someone that is on a decent. weight loss journey this year so far, how is it the plan? That's not a the.

plan. You're either doing it or you're. not. You don't have a plan to What's. your plan to lose weight? Eat less and. move more. >> Okay, then do that. Fatty. What? >> Yeah. >> Yeah. >> I'm sorry. [laughter]. From a fellow fatty fatty food. Do that. It It sure does. It really does. I know. I struggle with it, too. As a fatty, >> that's not a plan. It's you do it or you. don't. If you're not doing it, there is. no plan. >> Yeah. >> And if you want to have kids, I'd like. you to actually be alive for them. That. is that's another part of the.

conversation of having kids is why we. want to do that sooner rather than. later. >> Well, no, just don't be fat. >> I've never really. >> So, the first four statements are. collections of yours because again, I. don't know why you put on her. Why. are you the collections up the dick, dude? Huh? Huh? What are you doing? WHAT. ARE YOU DOING? WHAT'S GOING ON, >> Pick one and I'll answer. >> Okay. $587.

>> for. >> I don't know cuz it's the collection. >> 587 um. >> well you got. >> that was probably a a what. >> deserve. >> deserve yeah that was a credit card I. opened while in college. >> okay why didn't you pay it while in. college. >> I ultimately just didn't I don't have a. great reason she's the one that needs. the budget huh. >> right you synchrony bank $2377. $7. Why didn't you pay it, You. >> during that time I was unemployed. So.

that that one does have a fair enough. >> Sure. Why didn't you pay on it WHEN YOU. WERE EMPLOYED? YOU MAKE MONEY. >> I made the minimums most of the time. >> Okay. Until you didn't, then it went to. collections, What the you. talking about? It's in collections. minimums most of the time. You It's in. collections. >> Yeah. Yeah. >> I know. You can at least move across the. room to your computer and check. Yeah, it a lot of the stuff that's in. collections, a few of them were autopays. that I just didn't check on and I don't.

answer my phone if it's not a number I. don't recognize. It shouldn't be a phone. call, buddy. It's there. It's your. accounts. Check your Look at your. phone. What are you doing? I know all. you do is look at a screen all day. No. one ends up looking like you who. doesn't. So, come on. I know you can. check this. >> I could, but I didn't because I thought. the auto mod final boss. >> again. I thought I trusted the autopay. and I just didn't check it.

>> What do you think of this? Cuz I know. you uh discovered a lot of this on the. phone call last night with Lindsay. She's telling me like you didn't know a. lot of this existed. >> Well, she knew it existed. She off you. fat. >> It is her turn to speak. Like I said, he. would get mad at me every time that you. I would get like you asked. >> like I would get like the text to my. phone saying that we had money due and I. would tell him like, "Hey, I just got.

this text. This needs to be paid." It. would start fights. >> Really, dude? So she So you had a. warning system, i.e. her. And then you. still didn't. That just ruined your entire argument, dick. She wouldn't tell me that the. payments are not going through until it. had failed to go through like six times. >> I would tell him. I would tell you. >> Yeah. After attempt like number six. where the minimum now was way higher. >> You told me I would get the text. messages that we owed money. You would. tell me don't look at it. Block the.

number. Leave it alone. >> I never told you to block the number. >> You would tell me to block the number. >> You didn't even want to know about it. I. >> of course I wanted to know about it. Then what the happened? Why is How can. there be this big of a disagreement on. how that happened? How's that even. possible? >> I think you just didn't want to admit. that you don't have the funds. >> Also, I know a lot of you want me to. bring up to him what was talked about. when he was outside of the room. We're. going to do that in the post show. I'm.

going to need a second to think about. it. [sighs]. >> Okay. And then there's an additional 362. from Progressive. Couldn't pay that. Oh, you're looking at What are you looking. at her for? >> Nothing. Look. Did you see that look, Chad? Did you see that look? Did you. guys see that look? That was a look of. concern. You afraid? Should be. >> Yeah, a little. >> Yeah, you'll be rolling away. >> Yeah, I'll find the nearest tail and. just. spin. >> No, you'll find the nearest buffet.

>> Well, [snorts] you guys do have a CC's. here. >> Yeah. Yeah, we have CC's. >> We don't. $3,326. Oh, wait. No, there's an addition. Okay. All right. An extra collection. 562. This was LVNV funding. That might be the. collector, but Capital One. >> Another credit card I had during college. that I just. >> So, you couldn't literally do any thing. ever? Ever? What?

>> How the. >> You said that's another credit card. I. thought you only had one. >> in college. No, I had three. >> And when were you going to tell me? >> Oh my gosh. How did she. >> When were you going to ask. >> what? Now, that's not how relationships. work. I'm going to let you know. A. little fun fact. She She knew of the. amount accounts in collection and she. knew the amounts. Just didn't ask what. specifically they were for. >> You would yell at me every time I did. >> Well, I would say yeah. I mean, it's in. collections. We just don't have the. money to pay it right now. I'll pay it. in a month or two.

I want to I I I just want to assume. that's how the conversation between Bill. and Melinda went. When were YOU GOING TO. TELL ME YOU HAD AN STD? WELL, when were. you going to ask if I had an STD? >> What? When are you going to ask, buddy? That's not how things work. >> That's not how things work. Why would. she ask if she thought it was one credit. card? Why would she ask? Huh? By the. way, any chance you have more. collections from credit cards you had. while you were in college? Well,

>> that's not something someone asks. >> Again, I told her, "I have this many. things in collections and these are the. balances.". I didn't think it mattered what they. were for as long as, hey, these are I. have this many things in collections and. it's. >> Well, she discovered a lot of this last. night, I'm being told, though. So, >> she discovered what it was for, but not. the amount or that it existed. >> Is that true, Britney? Cuz I don't trust. him. I'll be honest. I I knew he was. hiding things, but I didn't think it was. this extreme. I didn't think it was to.

this level. >> Okay. >> You knew you you knew of the accounts. and you knew how much they were. You. just didn't know what for specifically. >> because we went over all this when we. got the car. >> Whose Amazon Chase card? >> That's mine. >> Okay. Now, I'm being told a lot of the. cards he made you open. Is this one of. them? [clears throat]. >> He did push me to open it.

>> What the? >> You pushed me to open all of them. >> What the. >> Pushed. Not made. >> Pushed. Yes, I'm saying what the. What the So again, I. didn't make her open them, but she. didn't have. >> she didn't have any anything building. credit whatsoever. >> Yeah. And now this ising her credit cuz.

they're uh maxed out. So you pushed her. to do this, dick. >> That one specifically was it was a rough. year and we wanted to do a bigger. Christmas. She had a job offer in hand. for a start date, which was originally. supposed to be sooner, but it got. delayed because of state paperwork and. So, it was she was supposed to. be starting at 19 an hour. So, we. figured, well, let's do this and we'll. do a bigger Christmas because.

>> we or you. >> We or you. >> I feel it was we. >> No, I I feel it was you. >> Yeah. Yeah, you're the one that kept. >> get her more credit card debt preventing. her from leaving even more cuz how is. she [clears throat] going to make her. minimum monthly payments? Seems like an. extra tool in your arsenal. of fat. because you're fat. >> Really? Nah, I think I'm a size four. Maybe XL, but four.

I'm being told the balance is bigger. How much bigger? What do you mean the. balance is bigger? How much bigger? There's only $100 more that could be put. on here. [snorts]. >> What's the balance? >> I don't know. What is the balance? >> Pull it up. Do you know the balance or. do you need to pull it up? >> Not off the top of my head. >> Pull it up. It It actually might be. about the same because Yeah, we did.

charge to it, but I think a payment went. through. I don't know. Yeah, you're a. 4XL. >> Um, the current balance is on almost. 1400. >> Okay, so it actually went down. apparently for now. >> Okay, well that's good. Okay, even still. that is still dramatically high. It'sing. her credit and I'm sure that'll be. replenished because you guys spend when. there's money to spend. That's probably. right after payment was made and now.

we're going to spend more money. So, I'll put it at 1409. Pull up your Amazon. Who spends is do we. have a shared Amazon account? Separate. Amazon accounts? >> Separate Amazon accounts. >> Pull up both your Amazon accounts. Do. they both go to this card? >> Um, yeah, more or less. >> Of course. Of course. So, yep. I need to. see both. And you're supposed to spend $300 each. on this card, bringing it to 600 when. you opened it. It's more than double. that even with the payment made. It's. already screen recording.

Okay. A dinosaur neck necklace. I guess. making her like you for a second. Uh. glue clear pen tips. Yeah. Yeah. Amazon. basics flexible fabric. Uh diet detector. test strips and bar sedu. What? Just waterproofing something. Slim. gyms. You're getting slim gyms on. Amazon. All right. Oh, the first good. thing he's ever done in his life. He got.

gamer subs. He got gamer subs. Listen, he got the pack of good. That's. Brandon's favorite flavor. Um, I like. the blowhole one, but even still, Gamer. Subs, remember, get it. It's 40 cents a. serving. Make your energy drinks at. home. Use my link, get the free samples. Gamersubs.gg. Type in code Caleb. You. can see what flavors you like and then. just order it. Just like you got to make. your coffee at home, you got to make. your energy drinks at home, too. Save. that money. First good thing you've ever. done in your life. That and the um. engineering chip. Veloc. This is so much. Slippers, so many dinosaur.

things, keyboard. You're getting her. I got What do you What do you love bomb? And then trap her inside. >> It's just I figure if we can get. something that either of us want, why. not just do it? >> Well, cuz you don't have money. Let's. see yours. Listen, I'll let you guys use. the Fizz card. At least it's a debit. card that builds credit. And I'll also. get you a course career certification. Okay, lady. so that we can hopefully. listen if you want to get out of the. funeral world because opening up a. funeral home, I don't want that to be.

your future necessarily. Um, this is the website. >> She does not use apps for anything. >> I need to look at your orders. Uh, >> do you know how to get to your orders? >> Uh, so I'll get you a course. certification of your choice as well. A. lot of the people in the audience have. used that to dramatically improve their. income and career. Okay. Yeah, you're getting more of the. glucose things as well. I don't know if that's a necklace.

More. Dude, it's all Look at. all this Sorry, chat. We're. putting it on screen. Wireless mouse and. Funko Pops, wireless gaming controller. Come on. This is just all guys. There's. literally other than the glucose thing, which I can understand cuz I mean, nothing there was a necessity other than. that. It's all It's all It's. all stupid. Yeah. eBay. What are you.

getting from Etsy 277? >> That was a Christmas gift for her. It. was a dinosaur replica skull. >> Human dinosaurs. Big fan, huh? >> Yes. >> Interesting. eBay 30 bucks and then a ton of. Amazon's platters. Chocolates. Of. course, when you guys go for chocolates, you get platters of it. [sighs and gasps]. Actual potential. groceries at Sam's. But this is. man. Listen, it's 2025 now. We're.

getting 2025 statements at this point. So, I can't see how much interested last. year. I can't see how many fees. So, right now, you're fresh. First statement. starting at zero, but it's all about to. start getting real quick. Oh, you took a. 1,000 hour trip to Chicago so you could. see dinosaurs. Chicago to see dinosaurs. >> We went to a field museum to see Sue the. T-Rex. >> Sure. Who's Capital One?

>> Uh, which one in particular? >> Platinum. >> Me. >> All right. Bill, $26645. with a $25 minimum monthly payment. What. the is going on here? I took it out to. try to help my credit with on-time. payments. >> Okay. And that's what you forced her to. open credit cards for. So why would you. force her to do that if you can't even. do it yourself, You spend. immediately what you put on and then. interest grows even more, making the. balance go up? What are you talking. about? >> Yeah, but can't scores just be.

manipulated to the point where if I need. my score better for something, I'll just. pay the down a month before. And. >> what's your score? >> Oh, like a 511. >> Yeah, you don't know what you're talking. about. What the 511? Shut the You're. under 600. Oh, >> golf. Well, how are you talking to me. about credit scores? >> Well, I I need more on-time payments to. help my history. >> Oh, yeah. My history is terrible. >> Maybe make them on time, especially when. she's telling you, "Hey, they're a. little late, asshole.". >> And that's why I have more accounts is. to try to make more on time.

>> That's going to make you even better. organizing things and making payments on. time. Just have more payments. >> What happened? Well, my first attempt at. building a budgeting app, it it [music]. didn't go over very well. So, I'll. rewind. After hundreds of financial aus, one pattern stood out. People weren't. failing because they try. They were. being handed crappy tools that weren't. built for real life. So, I tried to see. if I could fix it. In January last year,

2025, I launched an app driven by the. belief that budgeting shouldn't feel. complicated or intimidating. I had good. intentions, but the first app was a. complete dumpster fire. [music] I was. trusting the wrong developer and that. partner cost us thousands and left my. customers with the buggy app that only. kind of worked. [music] And that failure. forced me to ask a question that I. couldn't avoid. Do I walk away or do I. try again? Ultimately, [music] I chose. to double down and commit to building a. new app the right way myself and an.

incredible team. [music] Every dollar. that I made from YouTube went straight. back into the product. No investors, no. shortcuts, just the belief [music] that. I could change lives with a better. approach. So, we rebuilt the [music] app. again and again, 38 different versions. in total. I obsessed over every single. detail that most people would have never. noticed. And that's because [music] if. this app was going to go live, it had to. work for real people [music] with real. lives. So, everyone who stuck with me.

and my team, shared their feedback, and. believed in what we're doing. Thank you. You helped shape what this has become. This [music] is my vision for the future. of budgeting. And I'm just getting. started. Dollarise [music] 6.0 is. finally launching on February 17th. Rewrite your [music] money story. Learn. more at dollar.com. We're so back. Starbucks is. and a waste of money. And you. already know that by making your coffee. at home and invest in the rest. So now.

you need to do that with your energy. drink as well. MAKE GAMER SUBS AT HOME. FOR just 40 cents a serving. And. honestly, it literally tastes better. And we proved this accidentally via a. blind taste test in our Hammer Elite. show, Fat and Fatter. >> The number one ranked energy drink is. game. >> Literally, the cherry flavor is insane. Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description.

below. Type in code Caleb. DMV. That's fine. Interest is already acrewing this year. 30%. Who's affirming at a 16% interest rate? It's a micro dick balance. I'm assuming. it's paid off now. Oh there's a. lot more. Okay. Okay. How much are we affirming? Who's affirming? What are we affirming? >> So, there's three affirms that are in. collections. And then there's another.

affirm that's. >> ones in collections. No, I think these. are just active. These are in. collections. What is wrong with you? What the are you talking about, dude? Oh, they [screaming] are. What are you. doing? Why? She's the problem. Well, come on. No. No. By the time I found out about the. payments not processing, I had to make a. tuition payment for her college. >> So, it was either make the tuition. payment or have the go to. collections.

>> Okay. And then an active one for New. Egg. Who's getting a computer? >> The new egg one should also be in. collections. That one should die. >> An Amazon one is active. That should be. the only active one. Well, I'll do. affirm I don't know what to put. for minimum monthly payments, but. affirms are two. How are they even. letting you open that one? >> Yeah, that is a very good question. >> $2,1747.

I don't even know the minimum because. most of them are collections anyway. Okay. Death of friends and family and. What the? So, okay. To. friends, $1,000. To family, $800. What. is this for? So, I owe my sister a. thousand because I was arguing with when. we moved out of the. >> You want to say sister? >> Yeah, that one's fine. >> Okay. >> When we moved out of the Rochester. apartment, there was so much. going on with that apartment complex.

that I. >> Yeah, I'm sure nothing to do with you. >> I did withhold rent for a while. >> Oh, yeah. Did you? >> Yes. We were We had the heat stuck on. maximum. for multiple months at a time. Their. only attempt to fix it was replace the. same zone valve four times and after two. months of that I. >> doesn't matter. You still have to pay. rent now. >> It was unlivable. It was over 100°. >> your entire future for it.

>> And that's what I said is I will give. you the rent when you make it livable. >> But honestly, you're not going to make. or break them. You're breaking yourself. in the future. Listen, I agree. You. shouldn't have to pay rent them. They're. pieces of if that is true. But. you're not harming them. You're only. harming yourself. >> When they made it liveable, I gave them. that money. >> And then when we moved out, they. >> So, they didn't hurt your credit with. them. >> No. And then you're okay. >> Then Well, there is more to the story. >> They when we moved out, we didn't take. thorough pictures when we left. And they.

tried claiming they claimed that, hey, it caused a bunch of this other damage. They claimed we left a ton of stuff by. the dumpsters. I was in the middle of. disputing it with the creditor or with. the collections agency, but my sister. was closing on a house at the time and. she was on the she was a co-signer at. the beginning and she needed it off. because she was buying a house. So, she. paid it and I owe her the money for. that. I told her like, "I just don't.

I'll pay you, but like ultimately I. would continue fighting this, but you. need it off now. Just pay it. I'll pay. you back. >> Okay. Okay. So, no minimums then. >> Correct. >> And then to family, there's 800. >> Um, family. Which one was the 800? >> Friend. This is the friend. >> Friend. >> Friend. 800. >> That one was So, when we got the car, we. when we got the car, she had just. started at the debt collection job, but. hadn't received a check yet. >> Yeah. Before you made her quit. Yep.

>> My my car, the Explorer, broke down. That one was fully paid off, but we had. no idea what the bill was going to be. and we figured we were going to need two. vehicles. So, we went and got a car. And. in that time, or sorry, friend, um my. friend said, "Hey, I gave you this money to hold on to. because my I don't want my partner. knowing I have that money. I gave you. that money to hold on to in case. use it. for the down payment for the car and.

just pay me back when she gets her first. check. Well, then when that happened, she said, "Hey, just hold on to the. money still.". >> Okay. So, no minimums on this as well. Correct. >> So, you guys are just in debt to. everyone. I mean, you owe uh some Pay. Advance Dave 100 bucks. And you're. banned from using Pay Advance app, not. like Money Line, Dave, and Bridget. >> Like, what these are these in. collections? >> No. Um they're just still like in the. app. I So you owe a total of.

to the pay advance 800 across three. apps. What are you going to do? See, listen. There's only one thing that have. been hers so far. It was the Amazon card. that you are spending on that you made. her open. How the did you say she. needs the budget? How in your. application and phone call last night is. that what you were saying? It's she's like until recently she like. didn't work for much so she doesn't. value the dollar. >> do with anything You're the one. that's.

>> Yeah. I ultimately going forward if. since she's going to have income as. well, we need to be aligned on how to. move forward. And yeah, the steps I've. taken are but we need to make sure to. not do them going forward. And yes, a. lot of that is me, but I know generally. what I'm doing wrong. She doesn't. >> And why don't you correct it? That's. even worse. I'd rather be ignorant than. intentionally doing the wrong thing. because it's always been just kicking. the can down the road of oh things will.

get better when this happens and then. well that another show happens. along the way. >> Who's the saver card? >> Uh we both have a saver. Uh who's 40167? >> Probably me. Uh. bill bill. [sighs]. Okay. 401.67. minimum monthly payment 25 bucks. Immediately spending way more on it than. you spent towards it. Of course,

there he is. There's the titties. Olive. Garden, Just Pizza, Outback, McDonald's, Taco Bell, Popeye's, Panera Bread, McDonald's, McDonald's, John's Pizza, and Subs, McDonald's, Domino's, Ted's. Hot Dogs, Wegman's. Well, Wegman's. sometimes groceries, right? >> Sometimes. Yeah. >> I'm sure it probably wasn't in your. case. Olive Garden. Domino's. KFC. Domino's. McDonald's. Olive Garden. IT'S ALL NOT ONE PURCHASE ON. THERE. Not. >> We didn't even eat the Popeyes.

>> What? >> Um, we got it and it it was disgusting, so we just didn't eat it. So, we went. out to eat somewhere else. >> A food that you didn't love. >> I'm I'm actually a very picky eater. >> Are you sure about that? >> Yeah. You only get slop fast food? >> Yes. I I don't eat like a lot of red. meat. I don't eat pork hardly. I'm just. >> And it's doing so well for you.

>> Yeah. >> Yeah. Clearly only on the greens and. chicken. >> Chicken and pizza. >> Yeah. Yes. Salad of like a. three-year-old. >> How many calories do you consume a day? >> At my peak was probably 5200. >> How about What the That's crazy. How. about just now? >> Well, no way. It's not over at least. 3,500. Well, now I've now I've been. losing weight for a little. >> It's impossible. I just look I have the. food here. >> I eat one meal a day. >> Okay, then it's a big binge. >> Yes, it is.

>> It's a massive binge with more calories. than anyone could consume in a day. >> That binge is about 2500 calories. >> You are not just at 2500. You would be. substantially losing weight at your size. and height. >> Again, I started the diet somewhat. recently from. >> Okay. Well, this is literally November. No, this was getting Olive Garden, not. anything lean and healthy or McDonald's. in the middle of December. That was a. few weeks ago. you. What are you. talking about? >> If I eat like and I only do that. once a day on a daily basis, you're not. going to gaslight me. I see this on. a daily basis. You mant.

>> What are you talking about? I got mant. so I can say it. >> If I eat like once a day, it's. still not worse. >> Calories in, calories out. There is no. way you're doing calories in calories. out. >> You would be losing weight. I do not. believe I am losing weight. >> I do not believe you. November to now. I've lost 18 lb. >> Not with the 1500. So how heavy are you? >> I am currently 330 basically. >> 330 18 lbs in a few months is actually a. pathetic joke. That's water weight lost. in 2 days if you were actually dieting.

>> Yeah. From these um earlier in the year. I lost another 30 lbs. But. >> you only lost that 30 lbs when I was. dying in the hospital. >> I had I had lost it well before that. I. had just helped keep it. When I would go home from the hospital, I would binge because, you know, I was. scared. But. yeah, I would eat a lot when I got home. >> I hope you're losing weight. I'm just. struggling on believing it. That sounds. like you took a couple steps in your. body. I was like, "Oh, this is the first. time I've ever seen this." Then you lost.

18 pounds in like 3 months. Discover. card. Who is this? Me. >> Oh, Bill seems to all be you. And surprise, it's McDonald's and a. firm. Oh, there's your minimum payment for a. firm. 24.54. Good. We can put that from. to the earlier one. Okay. Well, I don't. know what you owe on this. >> Um, that one is currently, I believe, 660. >> What's your minimum pay? >> Um, I think 40. >> Okay. Jeez. Okay. Who's the Quicksilver.

one? >> Yep. Me? >> Yeah. >> And Miss Brittany, did he push you to open this one? Yes, >> of course. [sighs]. Bill, what is wrong with you? >> We were doing well at first with it. >> Oh, shut the I'm not listening to this. $29146. with a minimum monthly payment of $29.

[sighs]. You spent more than you put put towards. it, of course. Interested. Uh, wine and. spin. Yeah, let's find another way to. kill ourselves, guys. That's smart. Maybe groceries may be I don't. know. Uber. Do they even allow that? Yeah. Yeah. Okay. Amazon Prime, PayPal, funeral 285. >> Aren't you supposed to be getting paid. for funerals? >> No, that was for um one of the exams I. had to take.

>> Ah, is that person dead or not? Yes. Passed. Taco Bell, Starbucks, groceries. or not? I don't know. Patreon. you. Who? >> Um, >> guaranteed it's not as good as Hammer. Elite on YouTube. >> Guaranteed. >> It's um a Reddit podcast. >> That Told you. Told you. I knew it. I. knew it. You're the people that try to. cancel me endlessly. You platters, chocolate, and some Or groceries. Hard to. tell. Interest fees. Late fee already. this year. What are we doing? Late fees.

on yours. This This is a year card. >> There were late fees on it. >> Yeah. I didn't know. [sighs]. >> I actually don't have your login for. that. I don't have your username. I. >> I didn't know there was a lacy on it. >> I don't I again I don't have the login. for that. So. >> well Brit here's your saver card. that he made you open. $476.667. with a minimum monthly payment of 25.

$476. Well, it was all spent on there. That's. for full plate ery. What is this full. plate? You always get full plate or it's. a What are we doing? No, not full plate. No, what was it with the chocolate? I. don't remember. IHOP, Pizza Hut, Swiss. Chile, cheese pizza. Yeah, we really are pizza. obsessed. Mighty Tacos, Ties, and. McDonald's. Don't you have diabetes? >> Yes. >> Why the is this even an option? McDonald's? You're not even the salads. there are like a thousand trillion.

calories. Why are you getting. McDonald's? >> I can't cook. Neither boss can cook. Okay, that's like a literal. It's. impossible not to be able to cook. It's. so It's Can you cook something. incredible? Maybe not. But cooking a. burger is you make a patty, which you. probably shouldn't do just with the. situation, either of you. But even. still, stove, flip, done. Not. complicated. I'm not great at cooking. either. I have the cookbook. I worked. with a professional chef on it. You guys. will get the cookbook for free, the meal.

plan, all that good stuff, and the uh uh. and the grocery list that is in the debt. class, a part of the master your money. program. But. chicken salad sandwich, easy. That is. not cooking. You don't even have to. cook. Overnight oats, it ain't cooking. Not cooking is not an option. You're. dying. You're literally dying. Remember. when you almost died? >> Mhm. >> That wasn't fun. >> Was that fun? >> No. >> Let's not do that again. I still can't cook. We We try. We try to.

cook. We make food and ends up terrible. So, we just end up going to get takeout. >> I mean, even the pre-prepared meals from. the grocery stores that you warm up is. cheaper and healthier. Just do that. Even. >> they are not cheaper. >> than going out to eat. Yes, they are. I have done them. I do them. They are. cheaper. a 20 piece McNugget with two. medium fries at McDonald's. It comes. to611. At [laughter] at the grocery.

store we go to. There is pre-prepared. chicken fillets that does not include a. side whatsoever. And those alone are $16. before tax. >> Don't get the the fillet chickens. >> But I like chicken. >> You get raw chicken. It's so. easy to cook. It's a timer whether or. not you can season it. There's like. prepackaged seasonings, guys. A full thing of Tyson's things. that you put in the oven is cheaper.

>> We can't. >> The tendies can't cook it. It's already. cooked. It's already cooked. >> It turns out terrible. It never tastes. fully done. >> Oh, chill. >> It always just gets thrown out. >> Oh, man. I don't know. What is. this? A lease? >> Um, >> least something probably. That's. probably the couch. Uh, that's probably. Aaron's your lease. >> cooked. >> Good luck. Your lease. Who's on the couch? Is it both of you? >> Just me.

>> Oh, Bill. I don't want to see what the. your seat looks like. >> The payments on that are I think 50. every other week. >> Resigning himself with DD table. What's. a DED table? >> Um, it's a drop down table. Like the. middle seat of the couch table. >> McDonald's from. >> sometimes. >> Yeah. It's $84.99 a month. with a balance. It's like 2,000 bucks. It's so stupid. Insane interest rate. >> The the balance is not 2,000 anymore.

It's um like like 300 max. >> Well, I know that you're not going to be. able to resell that. So, you spent Well, it's going to be two. thou you have spent 2,000 over the. course of the payment on a $600 couch. >> Yeah. >> $2,000 on a $600 couch. And that's why I. want to rebuild my credit by taking. other payments. >> Yeah. Uhhuh. Die. Okay. Is this another thing? Is this. different? Is this a separate thing? Do. we know? >> Uh, it's probably just page two.

>> Okay. What is this lease? Okay. I think. this is another This is the same thing. again. I think. Okay. Payment schedule. I think this is for car. Yes. Wait. No. 91. No, this is I think. the same. Okay, that's the same thing. again. Jeez. Okay, it's like a thousand. pages for that one document. Okay, here's the car. >> at a 15.36% interest rate. >> We We could have done a lot worse. >> Yeah, there's always options for worse,

Bill. >> So, this is one of our biggest arguments. to date is this car. I don't see the car. as all that bad. I'm not a huge fan of. the car in particular. >> What is it? >> It's a 2022 Kia Soul. >> You fit. It's her car. >> So worth6,000 when you owe 19,000 97. >> Yeah. So originally when my car died, we. needed another vehicle. And for that. vehicle, we could have gotten something. cheaper. Ultimately, this car was.

17,000, but then dealership fees and we. added the warranty, whatever. Um, it. came to about 22 and the monthly payment. on it was about 438. When we got the. when we got a car, >> wait, this monthly is 438. >> Yeah, that is the Yeah, that's what I'm. talking about. That car what we. when the Explorer died, we wanted to get. a car that I wanted to get a car that we. wanted. I didn't want to just get. whatever cheapest car that we could.

afford. I wanted to get a car that we. wanted that was within budget. Originally, we looked at a 2011 K. >> You missed three payments last year. I. don't even care. You missed three. payments last year. The interest rates. insane. The minimum of the payment. Stupid. You. >> missed three payments. >> Oh my. >> Late. Late. Probably missed. No, not. missed. >> Fine. Late. He was late. >> You didn't tell me it was late. >> You didn't tell her it was late. >> It was not late enough to hit credit. It. was just.

>> if it's late enough to hit credit or. not. It shouldn't be late at all. >> Yeah, it was. It I don't keep an eye on. the bank accounts. The autopay failed. and got returned. >> Well, What the how many times until you. learn your lesson, dude. >> Don't say now I've learned my lesson. >> Well, I have. >> No, you I don't believe you. >> You, dude. Student loans from Miss. Brittany. $6,725.90. >> Yeah, those are on autopay. >> Yeah. Minimums, have they started yet?

>> Yes. >> What's your minimum? >> I believe 80. >> 80 a month. >> 80 a month. >> I think it's 81 and some change, but 80. I'll say 82 if it's 81 and some change. >> Dude, it keeps stuff settlement offer. What? 940 amount owed. They sent you 564. for a settlement. >> What is this? >> That was one of the medical. >> medical ones. That which one? Um. >> I have no clue. >> Was that one the taco?

>> No, that one was higher. >> Did you almost die from a taco? >> Yes. How do you guys do all the fattest. things anyone's ever done? How do you. almost die from a taco? >> I choked on a piece of the shell. >> and shell. >> It was like stuck in my throat. >> You thought it was stuck in your throat. >> Could you breathe? >> Yes.

>> What? >> We She had a panic attack probably. >> Mhm. then went to the emergency room for. it. >> Okay. Okay. Well, that's 56 and4. Okay. Start a checking account with. eight bucks. Joe's. Well, quick mark. You went in and. got an energy drink or something. Snack. I mean, you make your gamers at home, so. you better not be doing energy drink. This checking account 198. Hulu. Prime Video. Regal. cinemas. Regal cinemas. 365.

Market. Yeah, it looks like. though. potential of groceries. You got I think Hammer Elite, which. thank goodness because it is the best. and number one membership on YouTube for. a reason. Amazon Prime Video Cursor AI. What? Never even heard of that. Dollar. Tree, Uh, Premium, HBO, Amazon, Venue, now eBay,

Kings Ale, Crunch base, Amazon, Bath Body Works, Wegman's. This checking account 141. Do we not. have retirement accounts? Nothing in. there. >> No. >> Listen guys, there's obviously larger. issues at a whole, but I will attempt to. make a budget. >> You did miss 125 and overdraft fees. >> Okay. Well, I'm not surprised. You guys. are horrendous financially and then. you're a horrendous individual. And then. you're not being able to cook is very. weird. And being jealous of careers is.

also very odd when you chose it. Like. trust me, we got issues across the. board. But I know the one thing you want. me to bring up and confront him on, we. will do in the post show that is coming. very, very soon. Income of the. household, it's about to be. 7,700. if we're combined. I recommend being. separate actually for her sake. But that is an off camera conversation. Minimum monthly payments is I mean it's.

chunky but strong household income. 81374. What's our total rent? >> 1125. >> Okay. Utilities, electric, gas, internet. all combined. Water. >> How much? >> 250. >> Gas vroom vroom drive. >> Uh that one's going to be a lot higher. because of. >> how much? >> Um. >> because of the heavy load. Yeah, >> probably probably 400. >> phone bill.

>> 90 uh uh car insurance. >> 200. 700 for groceries usually I do 600 for. people but a little bigger little more. complicated might have to do a little. more pre-prepared 700. t if you find anything else to survive. we'll do 200 tampons all the good. haircuts too you can get haircuts. It's. okay. It's okay. You okay? I assume. you're losing your hair already.

Yeah. So, you'll be fine. Let her get. haircuts. Medical, healthcare, co-pays, anything. >> That one a lot. Like 500. >> Okay. Gym. >> Uh, no. >> Okay. Can I put one in? [laughter]. >> Uh, yeah. >> Please go. 50 bucks. >> We might still be paying for one. [laughter] I'll. >> put 50 bucks there. Do you have any. pets? Uh, >> no. >> Good. subscriptions. I'll put 50 so you guys. can share. >> Anything else I need to put in this. budget that I have not?

>> No, I I think that's it. >> Maybe dinosaurs since you said that's. part of the reason we're in debt. My. dinosaurs. >> Well, we'll see if there's a dinosaur. fund. Uh, okay. Listen, you got an extra 3,321. left. So, I'll give you $321.26. for fun and you have an extra 3,000. left. Okay, that helps you guys get to. the finish line. Okay, so let's take a look at this debt.

Um, collections obviously will pay off. for the credit score purposes, but that. will be last. I guess there is. additional medical debt that he didn't. see, but like 6,200. Okay. Either way, our total debt position is 44,774. And I. would get on a payment plan. for those medical debts.34, but I will minus the student loans. So, $6,725.90. So, 38,4844.

with $3,000 a month. That's only a year. I mean, you guys are fine, but that's I. don't think that's the bigger. compensation, but you guys are fine. Fine, then you can do a fully funded. mercy fund, and catch up on your. retirement. 50, 30, 20. That's all good. That's obviously not the issue here. And. you know the issue, and we're going to. talk about that in the post show, but. let's get the hammer financial score. first. There's also an extra there's. also an extra debt that apparently you. don't know about that Lindsay just. learned about when you guys came into. the office today. So, I will let you. know what that is in the post show as.

well, and then we'll have the big. conversation as well. Let's get your. hammer financial score, though. Get. yours at kilpammer.com. Spending in a. budget, you overspend 0 out of 10. Debt. collection 0 out of 10. Emergency fund. nothing 0 out of 10. Retirement nothing. 0 out. Real estate nothing 0 out of 10. Hammer financial score 0 out of 10. Also. you also join us in the post show. It's. I mean you know this is about to be the. most insane one pretty much ever. Click. the join button. See you there. She said. it's gotten physical a couple times. >> You literally said I'm sorry for the. times that this escalates. >> Escalates does not mean physical.

Escalates means you know a larger fight. >> with you. Sometimes it does. The one. time you threaten to break my jaw. I. don't think that if you guys are in an. argument, there is still ever a time to. put your hands on her. >> I said if you if you hit me, I will hit. you back and I guarantee you I will hit. harder. >> Camera 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 [music] description below. This is. the best membership you'll ever join. And that's a promise.