Financial Audit's Most Evil Husband

I don't trust him with our kids. >> That's not the greatest thing to hear. from our wife. >> But he did tell Lindsay something before. you were supposed to come on. He's has. an out plan. >> I'm living alone and the kids will go to. you for a week. That is that is. literally the plan. That's called. divorce. >> I have an exclusive offer just for you, but there's only one week left to. purchase. You'll get lifetime access. [music] to the entire Hammer Elite. catalog and my Hammer for Life box. packed with limited edition merch. Plus,

I just launched the brand new Hammer. Elite app, available on every major. platform. To celebrate the app launch, I'm offering 30% off the annual plan in. [music] the month of June only. Download. the Hammer Elite app by using the link. in the description or pin comment down. below. This is the best membership. you'll ever join, and that's a promise. >> Hi, I'm Callie. I'm 28. I'm Drew. I'm. 29. We're from the Dallas Fort Worth. area. >> and this is Financial Audit. >> Welcome. Thanks for coming down to.

Austin, [music] guys. >> Listen, no, you're welcome. You're. welcome. I I know I need to be a part of. this conversation. I looked at the note. for the episode. Don't know much else. about y'all, but I know one of you says, "I'm the financial audit of the. relationship," which I've never heard. that before, and I need Caleb to help me. essentially reaffirm that. who is. financially auditing each other in this. relationship. I don't know. As the. financial audit guy, by the way, I do. not financial audit my relationship. I. don't know how long my relationship.

would ask if I was financially auditing. and Caleb hammering my own relationship. on a daily basis. I think she would. murder me. Who's financial auditing each. other? And who's murdering each other? >> So, I'm trying to financially audit. Cali. >> Okay, good luck. [laughter]. >> Yeah, I need it. >> So, what's going on? What? What? What. are you financially auditing? Cali, are. you guys married? >> Yeah. Get some baselines. [laughter]. >> I said no. >> How the are we disagreeing on marriage? That doesn't make sense. That immediate. I'm going to be honest. What the.

>> Okay, we're not legally married. We are. quote Texas common law married. We have. >> Okay. So, what do you what do you guys. call yourselves? >> Husband and wife. >> Husband and wife. Yeah. >> Then what do you say? No, you're common. law married. >> From like a legal standpoint, >> you got the common law protection. You. establish it. common law married. >> Okay, then yes, we're married. >> Okay. How long have you, I guess, been. together? >> Um, we've been together for like 8. years. >> Yeah, about 8 years, I think. >> Why the don't Why not just get married? >> Um, number one, very expensive.

>> Not really. Go to the courthouse. >> Okay. I wanted I would I offered that. and then his parents said that his. parents. >> we should have one for the family to. bring. >> Okay. So, now we just have none at all. Should be your response to the parents. I mean, you guys are doing I pulled up. to work all happy, all excited to get. here, get myself a cup of coffee, and I. saw you guys flinging dirty diapers in. the parking lot. You guys are breeding. >> You ain't married, common law. You guys. have been together, but you're breeding.

There's children in my office. >> I don't know how many, but there's. noises. As I was going out there right. before filming, >> how many kids y'all got together? >> Three. >> Oh [ __ ] And you can't even get married? That's weird. How old? >> Um 6 20 months and 6 months. >> What? >> 6 years old. 20 months and 6 months. >> Okay. Why? Why? 20 months. That's the. >> He's not 2 years old. >> He's basically. >> Say that to him. >> I Okay. He's basically two. You argue.

with. >> I lost track of the months. I just say. that he's going to be two in September. >> No, you don't. You go. I don't like. that. >> Okay. So, 6 years, 20 months, and 6. months. >> Yeah. >> Okay. So, well, we're on a roll. Well, it sounds like you guys are pumping them. out quickly. Now, is is there a fourth. one coming? Because you went from 20. months 6 months. >> No, >> it's on the table, but we're years away. >> See, again, you guys aren't aligned. What? What? What? >> Well, you say if if you ask if another. one's coming. I'm assuming like right. now. No, we're not.

>> You're about to turn 30. When's the. years away? You know what happening? Okay. Well, you'd be okay, I guess. But. just start heading towards the cliff. >> Well, yes, I guess. Well, it's just if. we're making plans, right? I don't know. >> Yeah. >> Are you raw dogging? [snorts and clears throat]. >> Yeah. [laughter]. >> Okay. So, I don't think it's necessarily. 5 years away. >> Could be if we plan it right. >> Oh, absolutely. But it could happen at. any time. It's happened on this show. It's likely. Were all them intentional?

>> Um, >> exactly. >> No. >> Exactly. >> No. >> And neither was I. This is biology. Welcome to Come. We just recently. combined everything. >> 8 years in. >> Yeah. >> Well, I think I understand the why you. guys broke up and then you found out. you're pregnant, so you're just like, "A, we'll do it.". >> Well, no, we got pregnant after we got. back together. >> Okay. >> But no, we just recently combined. everything. Um, and so with that, he's. trying to have more control over it. And.

I don't like that cuz I haven't had to. do that my entire life. Have I had to. ask someone, can I go buy this? Um, so. >> because I'm married, it's not. necessarily permission on everything, but it is a conversation whether or not. we can afford it in the budget in order. to hit the goals that we're trying to. get to as a couple. >> That'd be correct if um that was shared. with the class. >> If what? Share your [ __ ] Tell you share. with the class what the I'm trying to. get some insight. Tell me. >> Tell you what, >> what's going on? Why are you saying.

that? What does that mean? >> I have no clue. So, in all honesty, I. >> What is going on then for you to say. that? You just have no insight. Is that. what you're trying to tell me? >> No, I don't. >> Okay, that's what you got to say. >> Okay. So, why? >> Because he puts it all in a little black. book while he works overnight and then. doesn't tell me about it and or it's on. an app on his phone now and then doesn't. show us like the budget. Doesn't show me. the budget. We don't have any. conversations about it. Ask. >> Well, it's not that she It's not that. she can't know. We have conversations. about it. I'm not trying to hide. >> She's saying everything that's going on.

She's But okay. Well, what. >> he doesn't actively try and I've told. him multiple times, we need to schedule. a time like on a Sunday, sit down, fix. our budget, plan out like meals and. stuff together, and this is what we need. to do, like plan out our grocery list. and all of that good stuff. But he has. yet to like try that. I'm still the one. making the grocery list. >> Wait, but he he was saying in the pre-in. that it's all your fault. You weren't. even supposed to be on. We just luckily. convinced you to come on because he was. saying it's all your fault and all your.

spending. But you're saying he's not. willing to put in the effort or try. >> But then he makes like massive payments. on cards and then I don't. >> cards. Well, yeah. Paying off debt. Wouldn't that be good? >> Correct. >> What's wrong with that? >> But if I don't know about it in our. budget and I'm planning to like grocery. shop and then money goes out and then I. don't tight it. What do you guys do? What do you What do you do for work, Kelly? >> So, I work in real estate. >> Well, in what context? >> I work in management. Property. management. >> Okay. Okay. That that could make money. I don't know.

So, what do you make? >> I make $96,200 a year. >> Okay, go yourselves. How possibly are we. talking about? We made a payment on a. car. Now, we don't know if we can get. groceries if half of our income is. $96,000 a year. Die. What the is wrong. with you? That's that you're acting like. children. If you're saying making a. payment on a card prevents you from. getting groceries, you're being. children. It doesn't prevent, but it. does kind of throw things off when I'M. NOT. >> NO, NOT enough for half the income.

>> I'm not on the Wells Fargo account. I'm. not on the MX account. And he goes he. goes and does stuff with the MX and. makes a payment with the Wells Fargo. >> The problem is that Exactly. Like you. said, no communication. >> We We make money. We have sat down and. built out a budget and then the second. life starts happening, we just throw the. budget out the window and it's hundreds. of dollars towards this, hundreds of. dollars towards that. Stuff that's not. in the budget, stuff that we don't. actually need. >> What What are we getting that we don't. need? Who's getting what we don't need?

How often? >> You're crying and complaining that you. couldn't get groceries, but you're. getting [ __ ] you don't need. So that's. that's not the same thing. >> It's not the same thing. >> What is she getting? What is she doing? >> God, I mean, it's everything. It's. clothes for herself. Um, you know, shoes. I don't even know what she's. getting on Amazon, but [ __ ] just keeps. showing up almost every single day. And. then not to mention all all the new. hobbies that she picks up. Have you ever. seen how expensive pottery is pottery? >> Oh, why the are you picking up? Listen, I mean, do a hobby. Hobbies fine. You.

guys make money. You can get a hobby, but you got to have a fully funed, emergency fund, and no bad debt, >> right? >> And even if you even if you have those. things, stick to a hobby. Don't hobby. hobby. You're a hobby hopper. >> I am a hobby hopper. >> If you're a hobby hopper, you can't. afford to be hobby hopping. You should. be able to at 96. >> Set hobby, but I set out to learn. something new this year. And I wanted to. learn. >> new this year. Okay. How many new things. is she learning this year? >> This year, I think it's just the pottery. so far. >> Okay. Well, how much is it cost? 96. You. should be able to do pottery. You can do.

pottery. 96. >> Pottery is very expensive. >> 96. You can do it. You alone are making. more than the median household income in. the DFW area in the United States. >> We should be able to afford that. I. agree. >> You can if you're not it all up. >> And on all the Amazon packages, my good. sir, that's all for work currently. >> That is not all for work. >> All of the packages that are. >> the ones that are coming the ones that. are coming right now are for work. Your. company's paying for that. But over the. last I bought one.

>> Why do you refuse to show them your. Amazon account though? I'm being told. that. I've you pull out my phone. We can. pull it up right now. You can have it, buddy. >> Why have you refused to show it up until. this moment, though? >> Never refused. I've gone through it. >> Why are you saying that then? Why are. you telling Why are you telling Lindsay. that you refuse that she refuses to show. you? >> I think it's because she doesn't want me. to see all of the stuff. >> If she's saying she doesn't refuse, though, so. now if she would if she would ask if I. would ask. >> No, we'll look at that later. But you. specifically told us that she refuses to.

show it, but she's saying no. No, no. I. don't refuse. >> He's never asked. He's never said. anything. >> So, you're saying he refuses to show you. the finances? She's He's saying you. refuse. >> I've asked. That's the difference is I. ask. I say, "Hey, what are we like what. what are we what's our budget?" And then. he wants to throw out that I go and buy. all these clothes. He has set a $100. like clothing fund within our budget. And I don't ever. >> every single month, >> right? But I've only bought one outfit. for myself in like 2 months.

>> Absolutely not true. >> I bought a shirt, a pair of pants, and. then last month I bought two dresses. >> Okay, how about last month when we That. might have even been just 3 weeks ago, we went to the sporting goods store. >> I bought a bathing suit and a bathing. suit cover up. >> $400. >> And then we bought a couple of things. I. And that's honestly because the store we. went to, that's very expensive. I bought. a bathing suit, a bathing suit cover up, and then a workout outfit. for the gym. Like that was it. >> It was $400.

>> It's Well, you can't wear your bikini. out in the middle of public, right? >> Who? >> Um public indecency laws. >> Is this true? >> That is not true. >> I've live Well, Lifetime has the rule. that you can't walk out in out of like. the dressing room. >> Okay, whatever. That's that that's not. the big point. Okay, you complained. You. you made the excuse it was dependent on. the store. Why'd you go to that store. then? That was just what was closest to. his parents house and we were going. >> if you're going to go to another place. >> Well, I mean.

>> the entire excuse for that which by the. way again you guys can afford a $400. purchase. We we haven't even talked. about your job. You. >> should be able to. >> Median household for your metro $70,000. Yeah. >> You make 94. You not even him included. What do you do for a living? >> I work in public safety. >> Public safety usually pays well these. days. What do you make? >> Uh so I make a shade over $50 an hour. Guys, what the are we doing? What does that. translate to?

>> Around 107 annually. >> You make $200,000 a year in an area. where the median household income is 70. And you're telling me you can't get. groceries? You shouldn't even be. freaking out about a $500 purchase. How. have you guys this up so bad? And then. you guys don't even have the same. conclusion in the end about what it. looks like today or how it's gotten. there. >> What the has happened. Yeah. Lack of. communication. But I don't know which. side's correct if any.

>> Well, it's not just a lack of. communication. We have spent so long. living above our means that. >> above 200 a year. >> Well, it wasn't always 200. That's only. been in the last year and a half or so. >> What? Year and a half is great. So even. still last year and a half let's say you. lived above your means before that last. year and a half you should be able to. pay that down. >> So what the are you doing? What is what. is. >> I think it's just mismanagement of money. to be honest. >> from. >> from probably both parties. >> What' you say both parties to an extent?

Yeah. >> Okay. >> I spend but he doesn't communicate what. we need to pay and when and how those. payments are aligning. Like I know that. he has set up how we're going to what is. it your payment method for like paying. things off. >> Oh the avalanche. >> Oh is avalanche. Okay. Yeah that doesn't. work if we spend more money on them. anyway. So he's probably not doing. avalanche. I don't know. People have. this in their mind then they don't even. touch it. Yeah was the plan. Immediately. spent only did the minimum payment on. the top card and then spent double the.

balance that was already on it. So. [laughter] avalanche you. What are you. talking about? There's no avalanche. How. do the financial conversations go in. this household? >> Not well. >> Tell me. >> It ends in a fight. Always. Um, he. thinks he's right. I think I'm right. We. butt our heads. And then. >> what's the perspective? Tell me. Give me. like the most recent example. So my plan. is we discuss how much is going to come. in. Our um our income is pretty set in. stone with the exception of any overtime. that I get. That's just extra. Um, and.

so then we can build out, you know, if. we're going to spend $1,000 on groceries. every month, uh, we know what our. mortgage payment is going to be, we know. what the car payments are going to be, we know what our utilities are going to. be, and then we should have x amount. left over to in this case or given our. circumstances, we need to be able to. apply that to the debts, but instead it. just gets spent on other things. And then the conversations are usually.

well you know we have we have to do this. this is coming up we need to make sure. that we can put this money towards this. or the second we get any unexpected. money instead of applying that towards. our existing debts it's I think we. should do this with it instead. >> but that's always a conversation and he. typically agrees to it. It is never me. deciding. >> What do you mean? How did that turn into. a fight? I said for a recent example, but you guys say you're fighting. What. was. >> Because we argue about where money goes. and then he gets angry about what I.

spend money on. So if I go and buy my. daughter something, he gets he will. argue about that. Um or that she doesn't. need this. >> That's an example is what I'm asking. for. That's what I asked for, guys. Come. on. >> He went and bought clothes. >> Clothes. Okay. $890 of clothes. >> Yeah, it's expensive. Expensive. You. should be able to afford it in your. budget though. You should be able to. What was the argument? >> It It wasn't budgeted. She said, "I'm. going to go to Target. I'm going to get. a couple of clothes for the kids.". >> I said, "I'm going to get all summer. clothes because they all need it. They.

are all in the next size up at the very. same time.". >> And then without any further. conversation, it was I'm buying their. full wardrobes for the next four to 6. months when we don't have that kind of. money available. >> That doesn't make sense. You don't pay. for that. Six shirts for my. six-year-old. Four pairs of pants, two. dresses, and a pair of shoes and. underwear. >> Damn. Why'd you got to get so much in. one go? >> What do you mean? It's There's seven. days in a week. >> She didn't have anything else, and. there's no hand-me-downs from the. previous. >> She's the oldest.

>> There's no family members. I don't know. So, there was no confirmed. There was no. other clothes for her to wear. >> Her closet's full. She's borderline 40. What do you mean it's full? Half her. butt is hanging out in her bike shorts. Her shorts are her shirt lifts up and. shows her tummy whenever she's out. Do. you really want her walking around with. her belly and butt out? >> She's obviously not. >> No, she's very lean, but she's very. tall. So, like the skirt we bought her. four months ago, or I mean 6 months ago. at this point, doesn't fit. >> Then why in this moment did you text and. call him and say, "Ied up.". >> I texted him at checkout and was like,

"Okay, I that is not literally my text. I up." And he said, "Oh, >> did you though? Cuz right now you're. saying you clearly did.". >> I don't think I did. I don't think. >> Why did you text me up? because I knew. he'd be mad about the cost. But then he. doesn't ever go buy their clothes. >> What store? >> Target. >> That's not unreasonable. >> Like I wasn't going to Justice. I wasn't. going to. >> I don't know what that is, but it's a. girl store. >> Well, >> I wasn't going anywhere crazy. It's. Target and it was $5 Cat and Jack shirts.

and bike shorts. >> Yeah. I'm not saying that the entire. purchase was completely unreasonable, but maybe a little heads up that we're. spending almost $1,000. >> Heads up was fine. Did he know? Did he. know you were going? >> He did know. I I told him I'm. >> So, what was the What did he think was. happening? >> He probably thought I was going to spend. like $200. But then again, had he ever. gone and bought clothing for our. children, he would know. >> Is that what you all have negotiated. responsibilities around the house?

>> No. >> Okay. Cuz I'll be completely honest, in. her pre-in she says you're lazy around. the house, that you check out at the. house, that you just show up and you're. just a bad uh. >> partner. Yeah. That Well, that is what. she said. >> Yeah. I I'm not perfect, but. >> Well, not perfect. I mean, she made it. sound a little worse. Like, you just. don't contribute. So, like, yeah, you. wouldn't have any perspective in buying. clothes and whatnot if you don't help. >> Like, when was the last time you went. and bought them clothes? Give me an. actual time, a time frame when you went. with me or whenever you went and bought.

them yourself. >> I don't know. I mean, in the last 6. months or so, I've been there or went. and bought. >> you pair of shoes a month ago and before. that. Can you give me another example? >> Not off the top of my head. No. >> Okay. >> What is this lack of helping around the. house then? Cuz that's going and buying. clothes. But I want more perspective. into this. >> So he works nights. Um so on those. nights he takes a a short nap um the day. of or he has the kids. I work full-time.

and I I'm throughout the day. So he has. the kids. Um, and we have two small ones. that don't always lean the most ability. to clean, which is okay. Um, but then he. has the two days that he's off and he. does jack [ __ ] the entire time. He. rarely gets up and then the last day. that he's off. So like if he works. Tuesday and Wednesday or Wednesday and. Thursday, he doesn't really do anything. until Friday evening or Saturday. >> How many hours a week are you working? So, I have an alternating schedule. Uh,

on my short week, I work uh 24 hours. On. my long week, I work. >> What's he doing on his 24 hours? He's. not doing [laughter] anything. >> That's a great question. I don't know. I. clean the whole house. >> Listen, I understand your schedule's a. bit. Okay. Your sleep's a bit weird. That I mean, that is fair. That part's. fair, but 24 hours, you got you can step. up a little at the house. No. >> Yeah. I mean, I I try I do try, but you. try. >> Um, well, last week, uh, it was raining. He left the dog outside in the rain. and. he slept on the couch. Our toddler was.

running around with a marker colored on. the couch and the baby was awake. And I. was in the middle of a work call, got. off of that, went downstairs and I said, "Are you kidding me?". Yeah, >> buddy. >> How do [laughter] you defend yourself? >> What the are we doing? Look, it I I do I. do try my hardest to make sure that they. are that they're safe, that I'm not. leaving them in weird positions like. that. But when I'm when I'm working 12. hours overnight and then I come home and. now I'm responsible for an almost.

2-year-old and a baby and keeping them. quiet to a point that she can that she. can work and not have the noises of of. children's lives interrupt her phone. >> This was a Monday or Tuesday. So my. sister was off of work and available to. help. I also offered. >> that was my second question. >> I also offered and said I will take them. if you need me to. What do you need from. me? And he said no it's fine. I'm gonna. try to get them down for a nap and then. never sleep. >> It doesn't work because I was about to. defend you cuz your sleep that is your. sleep schedule and that's fair. I was.

about to defend you but if the sister. was willing to step in and she offered. you can't take the responsibility and. then not. >> he's like the partner in a school. project whenever you do all of the work. and then he goes me too. And then he. gets a grade for it. >> How's [snorts] y'all's relationship. right now? >> We're we're trying. It's it's it's. rocky. It's a really hard. >> Why is it rocky? So because we have this. exact conversation. >> 50 times a week. >> Exactly. >> Why did you step up after you have that. issue? >> Well, I I. >> It's not like a biological problem. you're having. That's like a.

>> It's not like you're not getting hard, [laughter]. >> right? >> And which there are pills for that. >> Okay. And there's pills for that. So. there we go. But even so, this is. literally just behavior, >> right? I understand that. And. >> you're someone with discipline. You're. in public. After we h after we have. these conversations, I do get better for. >> a few days for a period of time and then. I and then I have days where I struggle. and it's. >> it it's hard to have a great day every.

day. But I I do asking for great day. every day. >> Sometimes it feels that way. >> Okay. But also you went to help them buy. shoes once in the last 6 months. >> That's not great day every day request. >> But the the biggest conversation that we. have is more around the house. because she she complains almost I mean. I'd say four times a week that she's. doing all the cleaning around the house. and that I do nothing to help. But like. I said before, I'm having to keep these. two rambunctious children active and.

doing something in a way that it doesn't. interrupt or interfere with her work. >> Right. But then you complain to Lindsay. that she doesn't cook enough. >> Right. She But there's days where she. chooses not to cook. >> Yes. because she had she had a long day. of work and instead of cooking, we're. just going to order something. >> Can you cook? >> Absolutely. And I love cooking. >> Oh, does he cook? >> Occasionally. Okay, if you love to cook, then cook. But expecting me to cook. dinner, clean the entire house, manage.

all three kids, work a full-time job. Not to mention, I'm also in school. I'm so sorry. I feel like I have a. Thanksgiving plate and it's overflowing. And yours has a slice of turkey and. maybe a little dollop of potatoes. Take. some damn sides off my plate and have a. low like have a field day with it. Dude, I don't know what you want. >> You think she's lazy? >> No, I don't think No, you think he's. lazy? >> Yes. I mean, he'll do the dishes, but he. does. >> the dishes. Doesn't clean off the.

counters. Doesn't clean off the stove. Doesn't take things and put them away. He does the dishes in less sink. >> Are you a minimum effort guy at the. house? I I really try not to be, but. some days I say the good words. You say. you're trying, you do, you want to all. these things, but you don't do any of. it. >> So, you got the good words, but where's. the good actions? You're a disciplined. man. You're in public safety. >> You went through it. >> You helped the world be disciplined. Why.

can't you bring some of that to home? I. don't know. I guess maybe I'm just. giving too much at work and not allowing. myself to have any extra effort to give. once I come home. [snorts]. >> It feels a little bit like a cope. I'm. not going to lie. >> I mean like maybe that's true, but it. feels like family dinners on Sundays. with your co-workers and you. occasionally find dark dilapidated. corners and take naps. >> So. I'm confused. I don't get to take naps.

at work. >> I don't take naps at work. Okay. >> Huh? But why what are you insisting or. insinuating here? >> He takes naps at work. >> So, I mean, you're he's saying that he's. one of those where you're allowed to. >> I'm going to be real with you. Your debt. is not the same as everyone else's. You've got your own unique mix of credit. cards, maybe some medical bills, personal loans, and collections, whatever. Your interest rates are. different. Your payments are different. Your life is different. So, why do you. need some one-sizefits-all solution that.

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yes and no. I mean, >> obvious obviously it's not ideal to do. that. Uh, and I and I do my best not to. I've I've dozed off. I'm not going to. lie to you and say that I haven't dozed. off and fallen asleep. >> So then you're not giving up when we're. not when we're not having a busy night. at home. That's my argument there is. >> Yeah. >> I mean to be clear with the spending and. a lot of things you do, not the clothes. thing, but we do know from what we. looked at that you are the aggressive. aggressive spender on [ __ ].

>> You are the villain there, >> right? >> But you're kind of the villain of being. lazy at home. And I feel like you're. almost taking it out. I'm just going and. swiping, >> which doesn't necessarily help us in the. end, right? As a household. >> Listen, if he is, >> sometimes you need like a break. >> I agree with that. And I want him to. step up so you can, but you don't get. revenge. You don't also bring down the. household by being a [ __ ] menace on. the outside. You do financially, though. >> Okay? So, listen. Just because someone's.

not stepping up at home doesn't mean you. can just not step up outside the home. >> Okay. >> You can't it up. >> Can we take a little break? >> You need a break? >> Yeah. Can we take a little break? >> Okay. Well, take a break. >> I'm honestly very tired. I would not be. crying right now. I'm very tired. >> That's okay. Your mother, you see that? Yeah, I see it. She She's not afraid to tell me when. she's overloaded either. It would be nice if you listened.

>> And it would also be nice if you didn't. go spend money you don't have. >> Fair. >> Cuz that's going to add to the stresses. of the household. A man not stepping up, not [snorts] helping the house, that's. going to be a reason for divorce at some. point. >> Mhm. >> Financial [ __ ] in the house, that is a. leading cause for divorce in this. country. Do we want to get divorced? >> No. >> I don't read you guys as a couple that. wants to get divorced. It's not. something I would advocate for in you. guys. I don't see that. But are we. surprised that the household is rocky. right now? No. When you both up in two.

very clear directions and neither of you. seem like you want to make any ground in. making those situations better. Like you. make the good talk, but you don't seem. like you're trying to do any better at. the house. You don't sound like you're. trying to do any better financially. No. wonder he's not willing to. It feels. like he's hiding [ __ ]. >> I don't think he's hiding anything. He. just isn't. >> forthcoming. Communicate. >> Yeah. I'd be nervous too if you're going. out there and around constantly. and in the financial conversations I'm. being had again again this is the pre-in.

a couple of the things that I said were. kind of wrong earlier from what he said. like the you know he was like a fine. well you know we'll stick it out cuz you. got pregnant well apparently that wasn't. true cuz it was timeline issue and then. one other thing I said was kind of. incorrect that's cuz he told Lindsay. that pre-in [ __ ] before you were coming. on so it was going to be a defense. mechanism so the story was going to be a. little different anyway it sounds like. that he was going to tell. >> Well, that's interesting. >> I don't know, but you guys say different. things. So, I don't know if this was pre. you coming on or not, but he always says. that I'm always giving into her. I'm.

always giving into her is what he said. Is that true? >> Yeah, absolutely. What does that mean? >> Um, it means that I am very persuasive. in my arguments. for. >> by that he said he says no and you get. angry and then he's just like fine. >> I don't always get angry. I do not always get angry. >> I mean, I live with the world. >> Any. any time that you have said, "I want to. get this. I feel like we need this." And.

I say, "Well, no, we don't we don't have. the money to spend on that or we that's. just not something that we need right. now." Then it is immediately anger. I. mean, let's go back to a couple months. ago whenever you were wanting to get a. Dyson vacuum. We we had two working. vacuums at the house. >> They And okay, they are both really. really crappy. One of we got one of them. from your parents. >> and I didn't say it had to be a Dyson. I. just said I really like this one because.

it doesn't have to plug in. We don't. have to carry it up and down the stairs. And as the person who cleans the house, I think that I get a little bit of. leeway in what I would like to use to. clean our home. >> Women love to clean. [music]. They bowl of to cook steak. >> Dude, all women are the exact same. My. girlfriend's asking for the exact same. thing. Look. And you. >> And we have cleaners. So, what the is. happening? >> I would kill for a cleaner. >> Okay. Well, they're cheap and you guys. make a lot of money. I'll be honest. Which, by the way, you specifically.

wanted the Dyson because the last time. we tried to find a cheaper alternative. to Dyson, >> we got something else and it broke very. quickly and then we replaced it with. something different. Had two working. vacuums at the time that she was. requesting this Dyson. And I said, "No, that's crazy expensive. We don't have. the money to spend on that. We have two. working vacuums." Immediately, she goes, "When we combined finances, you said. that you weren't going to be. controlling, but this is the exact. controlling behavior that I was trying. to. >> asking for a vacuum.".

>> Yeah. Apparently, denying a vacuum when. we have two working vacuums is. controlling. when one of them weighs. like 20 pounds and you're carrying it up. the stairs and you're the one doing the. most of the work and the other one is so. small and compact that it's not meant. for like room vacuuming. Our whole. upstairs is three bed four bedrooms is. the master and three other bedrooms and. it's all carpeted. >> Yeah. How much the. >> one of them was like 500. >> Guys, you make $200,000 a year. I don't. think you understand. >> But we're we're hemorrhaging money.

already. >> I agree. I think now this is a household. beneficial tool potentially. But but. where's all the money going that would. go to that instead? >> The miscellaneous. >> [ __ ] billion monthly payments that we. have to make. >> It's a billion monthly payments. It's. eating out. But. out if I had help. >> You can't do that. You can't do that and. get that kind of [ __ ] or well get a. vacuum like that if the money goes to. the [ __ ]. >> You can't $1,000 went out to you last. month. $1,000. You make $200,000 a.

month, but $1,000 going to food eating. out actually cuz groceries is was an. additional th000. So 2,000 going to food. that immediately means no, you probably. don't get to have a $500 vacuum and. [ __ ] Especially when unknown shopping. things we don't 100% know. Could be. [ __ ] could be not. Was an. additional $1,800. >> the previous month. 1,800 other large. purchases. These are big picture. purchases. Might be [ __ ] might not. be. 2,400.

So now we have a potential [ __ ]. amount of Oh, and then miscellaneous. [ __ ] An additional $75,000 by the. way. So what are we at? We're like four. potential four $5,000 in [ __ ]. >> potential has made it in the middle and. say minimum $2,000 on [ __ ]. >> Yeah, you could get a vacuum. Why are we. spending 2,000 on [ __ ] instead? >> Because it's random little things that. we want. >> Well, there you go. Then you don't get. to have the big thing. Even if it makes. your life better, you don't get to. >> So, it's all her.

>> Yes. Absolutely. >> So, you didn't pay someone $500 to get a. pair of boots, which you've never. gotten. >> You didn't pay someone to do that. And. you've never gotten the money back. You've never ordered clothes from Adidas. online. >> You've never paid for golf. >> $70 of clothes. >> Okay. But you've never paid for golf. You didn't go buy a new a new a new iron. for golf and spend a little bit more and. get other things. >> Yeah. Yeah, I used I used I used a $300. gift card that your sister gave me. >> And you spent more than that? >> Yeah, by $90 for two for two clubs.

>> It's all me though. And you didn't go. buy these new pants? >> Not these pants? >> Oh, well, you bought. >> I had these for over a year. >> But it's all me. >> It's all her. >> Yeah, I see how the conversation's going. in this household now. So, you just kind. of like uh blow up. >> Okay. >> Yeah. >> But rightfully so. You're sitting here. telling me I'm the You're You're sitting. here telling me I'm the problem. That. I'm the one who spends all this money on. clothes and all of this money on random. [ __ ] I have. >> what? Four four outfits in the last I.

don't know 6 months, four months. >> I mean, Kelly told Lindsay that she. holds grudges against [clears throat]. you and I feel like I'm seeing them now. >> What are these grudges? Like cuz if that. continues consistently, that's not. necessarily healthy at all. >> Continuous behavior that's never. changed. >> What's the grudges though? It's grudges. against money. It's him telling me that. I shouldn't go do stuff and then blaming. me for our financial mishaps when he. also spends money on random [ __ ] $25. every other night at the gas station on. gas station food. You love to cook so.

much. Cook your lunch and take it to. work. >> I mean, when I have the kids and I have. to keep them quiet, it makes it. difficult to make those meals during the. day. >> What are we talking about? You can meal. prep a couple times a week. >> and you can open the back door, can go, "Oh, can we bleep?". >> Yeah. All All their names are bleeped, >> but um he can go outside and play. The. other one can sit in a high chair and. watch you work. He loves to watch you do. things. And then our oldest goes. upstairs and plays and does whatever she. wants to do or she hangs out with me 98%.

of the time. So, I'm very confused. >> Yeah. But then the second one of them, let's say the middle child comes back. inside and he starts making noise. because he's a rambunctious almost. 2-year-old. The second he makes a sound, it's blowing up my phone. I'm on a call. I'm on a call. >> If I'm on a call, I'm on a call. That's. a serious thing. I have to work. If you. want, I can quit my job and our $96,000. additional income can go out the window. >> Obviously, that's not what I want. >> Okay. >> But when I'm getting those Exactly. I'm.

recognizing that your work is important. and that you have to be on those calls. But when I'm getting those those. messages the second I'm trying to do. something. >> Am I on a call 7 days a week, 24 hours a. day? >> I mean, obviously not. >> I know. I schedule my stuff for two. specific days a week that are my calls. are my days are filled with calls back. toback. And 90% of those calls I'm on. mute. You can come park one with me, park one with my sister, and you can. meal prep. You can cook dinner for the. afternoon or evening. You can put stuff.

in a crock pot. Hey, that takes so much. off my mental load and so much off my. plate. >> Okay. >> Wait, the sister lives with you guys. The sister that you said could help. >> Mhm. >> But she doesn't actually help that much. We're figuring out. >> Well, but via request or she's just not. stepping up. Is she asked to help and. she doesn't? >> Um, sometimes yes, sometimes no. >> Is she renting from you guys or is it. like a temporary? >> So, the the agreement was that she was. going to move in with us. uh where we. live was going to be a better place for. her than where she was living with their.

parents. And instead of paying rent, she. was going to help out with the kids and. >> help clean and help clean. >> So, she's supposed to be stepping up a. little more than you for the kids. >> She also has a full-time job in which. she works Tuesday through Saturday, >> but she's not paying rent. >> No, >> then make her pay rent. >> Okay. Well, right. >> Like she she has to pay in one way help. with the kids or rent, >> right? So if if she's not helping out in. the originally agreed upon way, it's got. to be financially, >> which he never goes and asks her for.

help. So it's hard for her to just offer. it if you're not going to. And circling. back, I we had both asked him, "Put the. kids with one of us if you need help or. whatever." And then he just didn't. And. then toddler coloring on the couch, >> right? And then even even though she. offers to help sometimes, I still in. deep in my heart, these are my children. They're my responsibility. >> Your responsibility. >> So I I have a little bit of trouble. pushing the burden of my own children.

off on someone who. >> But that's literally why she's there. >> I think this is kind of toxic, guys. I. think it's it's gotten to such a toxic. point and it's going to take a big lift. to pull it out. just toxicity with the. sister, toxicity with teacher. She even. said just like she doesn't even like. getting gifts from you because it feels. like there's always strings attached. Like what the if we can't even give. gifts at this point. >> Yeah. I. >> Where is this relationship? >> I don't understand. >> Someone someone educate me on that that. topic please. >> We had a fight on my birthday so we did.

not celebrate my birthday and then 2 or. 3 days later he takes me to get a locket. that I have been I have been wanting a. locket for a while. It's one of the. things I've consistently gone back to. I've I wanted a locket. Um so 2 or 3. days later after I said fight, after I. questioned, is that what we're doing for. my birthday? We're just going to fight. and then do nothing. Then he gets the. locket. Um I had mentioned, I don't. know, in a few a few times over the. years that having nice underwear is a. good thing, but then he buys it after.

fights or for whatever reason and. phrases it like, well, I mean, it's for. me, too. It's no longer a gift if you're getting. it for yourself and the obligation is. for me to. >> that's strings attached. I don't know. And as far as the birthday. thing goes, we had a plan for her. birthday. My parents offered to watch. all of our children so that we could go. have a nice dinner for her birthday. And. I don't remember what caused what. >> something for our home that would. improve it. That way we could improve.

equity whenever we sell. And instead of. spending $300 on a steak dinner at Basta. that we should go get stuff to make a. patio. >> Yeah, that's right. >> And then we had something else. >> Yep. So instead of instead of going to. dinner, she made the decision and I. verified this several times with her, >> which is fine. Then we were no longer. going to do the dinner. Instead, we were. going to allocate that money into. [music] supplies to build a patio. And. then who knows what we thought about. that day. She said, "Screw it. We're.

done. We're not We're not building this. patio. And then. we didn't And then we didn't do anything. on her birthday. Okay. I don't guys, this is just what the Everything's so a. villain fight. Horrible. But he did tell. Lindsay something before you were. supposed to come on. He said he hasn't. had the stomach or the will to say it. You remember what that was? >> Mm- No. >> Oh no. Now you conveniently forget.

>> I don't remember. >> Brother, >> I've slept since then. >> He has an out plan. >> I have an out plan. >> Buddy, these are your own words, man. Though you're not there yet, and he hasn't said it to her, but he. could walk away if they don't get their. finances in order. Not there yet. but is waiting for the right. conversation that would give him the.

leeway to say it. >> Well, we've had tons of those. conversations. >> What? >> We I've had tons of conversations where. I said, "This is not where I want to be. in 5 years. I don't want to be here. financially or like relationship wise, marriage-wise. I don't want to be in a. relationship where we're fighting. constantly where I'm doing 90% of the. household work and child raising after. birthing them and feeding them. I don't. want to do this if you're not going to. be a partic like if you're not going to. be an active parent. >> So both of you were getting.

>> we had those conversations. >> How freaking like. >> I don't have an out. I don't have like a. backup plan. I'm not trying to have. >> How many times have you talked about. your plan for if you leave me? >> If we if I leave you, I'm living alone. and the kids will go to you for a week. and back and forth. That is that is. literally the plan. That's called. divorce. >> Why? How frequently is this brought up, guys? I need the rat. >> She has had several conversations about, you know, or several conversations about.

leaving me. The idea of leaving me. It's. not something that is in my head is the. the topic. >> But you have an out. >> But you have an out. Yeah, you're. talking. >> So, it clearly is in your head. >> You can't say one thing and then act. like another and say that it's not there. when it is. >> Not to Lindsay, but one of our. pre-producers before hers is where the. message is coming from. I mean, I I I. hate to sound like I'm backtracking, but. I I truly feel like that is a. misunderstanding of the words that I. said to her.

>> I really do. >> Before she was supposed to come on. >> Mhm. >> Um. >> how close have you gotten to leaving? >> Um. >> I know one of you have left before and. then the kid. >> Yeah, pretty pretty close. >> When? >> Um a few a few years ago. >> It just. >> we were living with his parents. He. refuses to say anything. Well, we had we. had just left and we moved down here and. then we had to find jobs. So, we stay. with his parents and he refuses.

God, I could not tell you why to stand. up and say anything to his parents. Like, his dad will not turn on the air. conditioner upstairs and that's where we. were living and he will go up there and. turn up to like 80 82 degrees in the. middle of summer, but then leave all the. doors open and heat rises in a two-story. home. Um, so it would be 98 degrees up. there and it would take like all night. to cool down and he would just never say. anything and never defend me or our kids. or anything. >> You almost laughed. >> Yeah.

>> So I didn't stand up to him at that time. because. his only request was to stop keeping it. at 69°. >> which it wasn't. It was at 7. >> all day every single day. So when it. wasn't so. >> it was at 75 and it's hard not to keep. it at a lower temperature when they. don't even run the downstairs one and. all that heat is rising. So even if it. was set at a at like a set temperature. if they would have turned on their. downstairs one hey we just had this. conversation about HVAC's and how if you.

turn them off it makes them work harder. and your energy bills increase because. you're running more power to get them. back to a normal temperature. That's. what continued to happen because you. never stepped up and said anything. >> Be honest here, guys. Has anyone ever. looked for apartments? Just on the DL. Just Just looking to look. >> He told me to and I did. >> Oh, you told her to? >> We had a big issue. >> around that time. We were going. >> What the Look, we we were going through. a serious very serious rough spot in our.

relationship. And at that time, I wasn't. sure if I was willing to stay in the. relationship. >> with the dad thing. >> That was it. >> There there were other things going on. Uh, one of those things is on it's on. our list that I don't want to bring up. >> Okay. I don't think I know it, but. >> but no, because of what was going on. there, I wasn't sure if we were going to. continue in our relationship. I. suggested that she start looking for an. apartment and she looked for a little. bit and ultimately we decided that we. were just going to stay in our.

relationship. we were going to try to. work through it. And for that issue, we. have. >> Yeah, we have. We have for that. But. that's like the only time where we have. really considered either that's the only. time I've really considered leaving. Um, and then I mean there's like the little. petty squables where we talk about it. and I tell him, I don't want to do this. if this is what our life is going to be. like. I don't I I don't want to feel. like a freaking brood mayor where I just. get bread all the time and then I it's. my responsibility to have a job and.

clean the entire house and take care of. all of the kids. That's a lot for one. person. >> What the. >> That's literally [laughter] what I feel. >> I don't want you I don't want you to. feel like you are just a brood mayor and. I'm the stud that keeps putting kids in. you. But I mean when I when I'm on 2. hours of sleep after being awake for 48. hours. >> which I agree with that part another. week work 25 hours. >> right but so after that 25 hours of or.

24 hours of work there's times where. I've worked or been awake for 48 to 50. plus hours through those days of work. and now I'm responsible for these. children. >> your children. >> Yes. Yes. They are they are my children. Absolutely. And I have to do something. and keep them entertained and keep them. quiet enough for her to work. >> Do you guys totally trust each other? >> I don't trust him with our kids. No, >> that's not.

the greatest thing to hear from our. wife. >> I've told him that before that I do not. trust his capabilities and taking care. of our children. >> He can't stay awake. He I had to go wake. him up last night to put our our middle. child down cuz he fell asleep putting. him to bed so that way he would get up. and take a shower. >> Diet. What are you doing? You're fat. I'm fat, too. But like I'm not like. responsible for people's lives and. children. So if you can't stay awake or. having issues,

>> right? Well, I typically have to rely on. caffeine to keep me awake because. >> Right. Why not get healthier? >> I I've tried. It's It's a. >> tried. >> I've I've tried. I've tried. >> I've I've been thinner in the past. I'm. just about at the biggest I've ever been. right now. >> Oh, that's not good. No [ __ ] You're. falling asleep. >> Yeah. >> Fatty. >> What the Why aren't you eating less or. just better? >> Better. I definitely need to be better. I do work out. I take I I do. >> He does. >> I take There's a few.

>> I take the boys to the gym with me. >> You can't outwork a bad diet, right? That's my issue. I'm relatively active. sometimes. >> We've been playing Russ recently. Now. I'm not. RIP. Worth it. [laughter]. >> I don't I like just eat better, dude. >> I know. I I. >> Are you the donut and coffee guy? >> No. No. Not the donut. I really I really. try to stay away from donuts. >> The coffee is okay. >> But I I Coffee is a Coffee is a problem. >> What? What? What? What's wrong with. coffee? >> It's a problem for me. I'm. >> Why? >> Because I I need it. I'm addicted.

>> Well, yeah, but like caffeine is one of. those like. >> addictions where it's like not even like. an addiction. >> It's like upside. No, it is an. addiction. This is like upside though. >> Yeah. Unless you're just like, "What are. you down?" Like, >> it could be. Can we. >> What the [ __ ] are you on about? >> I'm just saying like if we're talking. about addictions, at least he's addicted. to caffeine. And I. >> That's true. >> Okay. Here's Gamer Subs. Just like you. make your coffee at home, make your. energy drinks at home. It's delicious. 40 cents a serving when you use my 10%. discount code, Caleb. Link in the. description below. Get your free samples.

as well so you can figure out what. flavor you like and then you can order. your gamer subs. And then, you know, 40. cents a serving. So, there you go. that. should help but I mean out you can't out. eventually you have a baseline then you. have to just continuously up caffeine so. just like anything else right that's the. issue there if you're always chasing it. then you can get to a dangerous amount. >> um which for larger people fatties is. not necessarily best for the heart what. are you eating man cuz if you're falling. asleep I'm concerned I'm concerned like. your health must not be the best.

>> so I mean I kind of just eat what's. what's already available like when I'm. at home. Really, when I'm at home, that's when I'm eating at my worst. because we're not we're not always. taking the time to prepare meals. We. don't always have good stuff for making, you know, lunches and, you know, I I. just kind of eat whatever I can. >> We do have all the stuff to cook, though. I spend $1,000 a month on. grocery and I build out menus, so we do. have stuff in there to cook. The issue.

is that what he's saying we don't have. food is we don't have easily ready food. >> Meal prepping and THEN YOU HAVE TO cook. it. >> Meal prep a couple times a week, guys. What the [ __ ] are we doing? I love meal. prepping. It makes it so much easier. >> Why don't you. >> I just I just struggle to actually make. the time to. >> 25 hours of the week. >> Huh? >> Yeah. 2 weeks and free stuff. We didn't. have a 56 hour. >> Not going into detail, but is there ever. a situation where you might be required.

to run? >> Absolutely. >> Okay, >> buddy. >> I'm faster than I look, brother. >> No, [laughter] I don't think you have. any idea how fast I really am. >> I have an exclusive offer just for you, but there's only one week left to. purchase. For a onetime payment of $500, you'll get our entire Hammer Elite. catalog for life and a limited edition. Hammer for Life box packed with limited. edition merch you can't get anywhere. else. Plus, you'll get access to our. exclusive [music]. 4hour Hammer Elite Day live stream on.

June 27th. Plus, I just launched the. brand new Hammer Elite app available on. every major platform. You'll get three. exclusive dedicated [music] shows every. single day, Monday through Saturday. And. to celebrate the app launch, I'm. offering 30% off the annual plan in the. month of June only. Download the Hammer. Elite app by using the link in the. description or pin comment below. This. is the best membership you'll ever join, and that's a promise. You suck with. money, so you download a budgeting app. You start with the classic one, WAB, but.

everyone just deletes it because it's. way too complicated to use. So, you go. to every dollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money, they got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. Then there's the new guy. on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far. But private equity. doesn't have the best track record when. it comes to private data. That's why I.

like DollarWise. Built by these people. just like you, for people just like you. No private equity, no gimmicks, [music]. just the best budgeting app there is. Download it now. Start the free trial. Wise.com. Link in the description below. >> You and me. >> You and me have the sprints, but we. don't have the distance. >> There is no stamina. >> It's the distance. >> No, no, no. You know, I've got stamina. >> Distance buddy. Distance, buddy. Okay. What? You have a 30 second pump and. dump. Good for you. >> Sometimes. >> Listen, the thing is us fatties,

everyone's shocked how quick I can go. But it's not for a long distance. And. that might be necessary, right? Yeah. But if you're falling. asleep, come on. If you're falling. asleep, come on. All right. What do we think our. household financial score is all. combined? >> One. >> Well, I think two, two and a half, three. >> Okay. If you watch your Hamburg. financial score, figure it out. Take the. assessment. Take that assessment for. free at calehammer.com. Just takes a few.

minutes and you can see where you stand. in the world of money, where you're. doing poorly, where you're doing great, what you need to do to become better. Usually what most people need to do is. use a budgeting app. And we've made one. for the people on this show and for you. and for me. It's called Dollarise. Take. the free trial. It comes with the 30-day. budget meal plan and the digital version. of the cookbook for those who sign up. for the annual version, which also saves. like 50% on the subscription, by the. way. But take the free trial, see if you. like it. I'll sign that and I'll mail. directly to you. So there you go. No. more excuses. Use it. There's recipes. It's easy. It's simple. It's budget. friendly. No more excuses, guys. Again,

minimum minimum 2,000 on [ __ ] last. month. Likely upwards of like 3 or. 4,000. What hits our account on a monthly. basis? I didn't get that. I know your. guys' gross income is large, but so my. checks come in every two weeks at. Oh, what is it? 30 just about 3,100. >> Okay. And then you. >> I get 56 a month. >> Yeah. hers come in at about 2855.

>> Okay, so 11,800 now. Like you guys are. killing it. It's so upsetting. And the. it's always the people who are like. killing it on the income scale that get. even worse on the finance scale cuz you. get access to more tools that'll destroy. you cuz you are not credit card people. >> Yeah, >> you're not. WANT PROOF OF IT? Quicksilver one. Who's is this? Are we. all on cards together? Buddy, what are. you doing? I thought she was the. problem. >> Huh? She Huh? >> Yeah. What are you talking about? This. is a big problem right here. >> Mhm.

>> You know what happened on this card? >> I I don't know. Is that the one I. wanted? Cuz I know you have two. >> Yeah, that's the one that you're an. authorized user on. >> Maybe you are making problems almost 2. years. >> Is that true? >> Uh. >> my card is locked. I haven't used it. I. went to go get gas and I was like, "Hey, I don't have the debit card with me and. I'm at a gas station that doesn't do tap. pay. Can I use this?" And he didn't. respond quick enough. So, I left and. went somewhere else with Tap Pay, but. the card is locked. But I haven't used. it in well over a year. >> Card is locked.

>> Yeah, cuz I'm not I'm on the account. >> You're locked. >> My card is locked. >> My card. You're locked. >> Well, I'm I'm on the account. I don't. have access to it. I can't even see like. the balances on it. >> What? Why? I I just made her an. authorized user and the I mean the app. has always been on my. >> access to the account. >> I don't know. You've got you've got a. Capital One card of your own, too. So, take that up with them. >> But you can't see it. Okay, how can we say she's the problem. when you had a balance? He had a balance. of $927. Okay, that's large. It acrews.

interest, whatever. With your income, you can kind of pay it off. But he made. the minimum payment of $35 only. >> Mhm. >> Nothing else. No progress. Avalanche. Avalanche. And then he spent $2,000. >> Mhm. >> Why the did you put $35 to it if you're. going to spend $2,000. acrewing interest? $57.66. New balance $2,9001. minimum monthly payment $87. Uh your kid, oldest kid will be not only.

out of high school but will also be out. of college and also a couple years into. his career. because this takes 17 years to pay off. minimum payments only with no additional. purchases which you're incapable of. So. what the is the problem? That doesn't. look like problem to me or her. That. looks like you. What are you talking. about? HUH? WHAT ARE YOU TALKING ABOUT? Rack attack. >> Yeah, we bought a uh car rooftop cargo.

system to go a credit card. You could. afford it, but why not put it on? You. can't pay off this credit card. You're. not paying off this credit card. You. only put the minimum towards it. Why not. put it on the debit card? Duh. >> Because we didn't have $1,800. >> Did you get the rooftop thing? >> We needed it. >> Why did you need it? We were going to. die. >> Well, obviously we weren't going to die. >> Well, then why'd you need it? >> So, we were taking a road trip to see. her parents. >> Okay. Didn't need it then. >> We've got her We've got her SUV that is.

loaded down with children plus the. kennel and a dog in the back. >> Didn't need. >> And then we didn't have any room for our. stuff. You didn't need to go on the road. trip to survive. What the are we doing? >> I think it's important to see family. >> I think it is as well. It sounds like. they can afford to come down. My my I. won't let them stay with me. >> What? >> They they smoke and I don't like them. smoking around my children and they. >> a couple days at a hotel's cheaper than. this cuz you spent almost $2,000.

>> and they refuse to stay in a hotel. They. refuse to get an Airbnb. >> They they only will stay at my house. Um. >> and you won't allow that? >> I won't allow that. >> What the is wrong with these people? What is wrong with you people? What the. is happening? >> Well, I've made very clear rules. Don't. smoke around my kids. I don't care. >> Yeah, that's fair. Why can't they stay. at a hotel or Airbnb to But why can't. they just not smoke? >> Okay. Well, they're addicted to it. I. would also agree, but. >> nicotine patches exist. >> Okay. Insens and all that good stuff. Yes. Yes. Yes. Yes. Yes. I agree. But. also, why can't they stay at an area? >> Because my mother is worse with her. finances than I am.

>> What do you think? >> I agree. It's important to go. You. didn't necessarily have to. And even if. still, there may have been cheaper. solutions. >> 2,000 bucks there. 2,000. >> Something that we're going to continue. using. >> Sure. And you know what else you'll. continue doing? Paying interest on it. cuz you don't do more than a minimum. payment. Then you went inside some store. and I think got some like energy drinks. or coffee or something. >> Yeah, probably. >> And then Amazon. You did some Amazon. Okay, let me look at this. Amazon. >> Amazon, sir. >> Let me see. >> I haven't spent on Amazon. >> So, you do spend on this card. This is. on Amazon. You're not fully locked out.

It says it's attached to the Amazon. account probably. >> So, let us see here. Ah, iPhone. Okay. What the is wrong with you? What the is. wrong with you? >> What do you mean? What? Why do. >> you have 15% battery on your phone? We listened to stuff on on my. >> plug it into the car. Let it charge. >> I'm sorry. >> What are you doing? 15% at before noon. >> I don't know, man. >> I didn't charge it last night. >> What the is wrong with you? >> I was tired. I was packing up diaper.

bags and gathering everything. >> How much of a disaster someone is to me. if I see them low battery before noon? Their life's a failure. >> Okay. >> Oh, come [laughter] on. You got to. charge your phone. You know how easy. easy it is to plug it in somewhere? >> Oh, I did it all on the way up here. >> Plugged my phone. >> Oh, at least you have a way to get back, I guess. So, home master hardware. Okay. It's like some hinges. >> Yeah, those are hinges and a door handle. for a screen door for our backpack. >> Some patches. Lots of kids things. A.

remote. >> Um, those are It's an ice pack. >> A fake plant. We didn't need that to. survive. A clock. We didn't need to. survive. >> That's for my office. We didn't pay for. that. That's for my That's for my office at. work. >> Office chair. Well, that's good. Yeah. So, um those work rellated purchases get. ref or reimbured. rug, pillow, all that stuff. >> Yeah. All of that. >> Okay. And the two chairs, >> all of that until you hit the desk. >> Okay. So, the desk was you. >> Well, no. Like that is. >> so after that. Yeah. So, the key lock.

box. >> Oh, that's also work. >> Okay. Well, what the [ __ ] you talking. about then? The trash bin. >> that we we bought a trash can. >> for our home. That's not the worst. I'm. just surprised you didn't have one. We. did. >> Well, we did, but Well, then what are we. doing? These are the small things we. don't need to do when we're trying to. pay off that. If you already had trash, then there we go. We're okay, >> right? But it. >> right. Cookie cutters. Did you need the. rectangle cookie cutters? You can do. this. >> I did not need those. You're. >> So, these are the little things. Okay. What the are we doing as a society where.

we're getting a preschool graduation. >> because they weren't doing graduation. for her. >> because it's preschool. >> kindergarten and I might be a but I have. graduation photos of myself. passage. >> you want to be like smokers. >> no. >> but it's a right of passage. >> you don't not graduate kindergarten. >> I mean. >> she had how how much was the the cap and. gown. >> I have $1. >> It was $18. I have one memory from.

preschool. Other than that, no one else. has actually no kindergarten. One. memory. Don't arrest me for this. It was. illegal. I broke the law. I gas lit. another kid in a line at the gymnasium. to pull the fire alarm. [laughter] He. never showed up to school again. >> You're not the one that pulled the the. fire alarm, so I think you're good. >> But I definitely did some manipulating. to do it. >> But it's memory. >> That's the only memory I have. This. person will not have any other memory. other than when he illegally did. something. You do you start holding.

memories from four years old school. Are. they are they p from kindergarten? Are. they pictured memories? Cuz remember a. lot of times vivid memories from. kindergarten. >> She has a memory like me. She remembers. everything. I kid you not. And he can. attest to that. >> Yeah. Plus the she was so happy to put. that cap and gown. >> I'm getting a lot of pictures in the. room. >> I'm so happy to take those pictures. I. feel like $18 is money well spent. Remember, a lot of the vivid memories. that we have when we're young children. psychologically are usually like. pictures that we construct into memories. that don't actually fully exist.

>> But it's memories for me. >> Oh, >> she's my first baby. >> Well, if it's for you, then you're being. a selfish [ __ ] cuz you don't have the. money. >> cuz you got the pants as well. You got. some low pow Christian shirts for women. >> It's just a t-shirt and pants, which to. survive. >> Okay. >> Like we're trying to cut back right now. Dog whistle. That was for training. because he said that our dog is not. training. >> I'm okay with that one as a minimum. Meditation candles. Don't need it to. survive. A. >> meditation candle.

>> It's the little candles for Bible study. Sorry. >> Well, [ __ ] off. She can study without. candles. >> Right. >> I've never had I remember studying. without candles. >> She can. >> Slow feeder dog bowl. That might make. sense. Cookbook. Christian cookbook for. beginners. You're paying the premium for. what? What? What is the where what's the. atheist cookbook? >> It's just a small cookbook and it. >> that you paid a premium cuz it's. Christian. >> Oh, maybe. >> they marketed it to you and you paid a.

premium for it. >> Okay. We talked about it at my Bible. study group and we all were going to do. stuff and that's why. >> they know you're poor as even though you. make a lot of money. >> We don't talk about our finances there. >> Well, that seems like actually something. kind of important to bring up in that. community setting, but that's okay. Inflect killer spray. That's fine. I. don't think we're getting a What is an. atheist cookbook? Muslim cookbook. I get. it. All of a sudden, you don't get pork. and it gets scary. I understand. >> Atheist cookbook. I don't know. Would it. be baby hearts? >> Is that what atheist eat? >> Maybe. I don't know.

>> I don't think you needed a Christian. cookbook. You paid the premium for it. Large arched felt bulletin board. They. didn't need it to survive. Like, off. guys. [ __ ] spending. What are we. doing? And I'm sorry I triggered you. with the Muslim cookbook because you. were ranting beforehand how you're. scared that you bought a house in an. area that's being overrun by Muslims. And yes, >> I'm not scared. Dallas worth is, you. know, >> I'm not scared. You know, Frisco. >> Yeah, we're like borderline. is actually really nice, though. Frisco.

is a beautiful city. >> And it's not that they're It's not that. it's bad. They're they're nice. It's. just that they literally are overtaking. everything. And those I mean, okay, they're overtaking everything and they. don't have to pay the premium to ask. for, I don't know, to paint their doors. and change stuff in their front lawn. that we do. >> What do you mean? >> Our HOA requires you pay a fee. >> That's your HOA. >> Yes, but they're all ran by um a whole. family and that whole family lives in. this HOA and they don't require anyone.

else to pay it. But then if I put. something in, I tried and I had to pay. that. But I I talked to a lady at school. and she didn't have to pay it to get her. flower beds. I wasn't trying to build. out flower beds, but she built out like. a rock board around her flower bed and. she didn't have to pay for it. >> She didn't have to pay the the HOA. approval fee, no application fee. >> No. >> It's the first thing he ranting to them. that the schools celebrate the public. schools celebrate Muslim holidays. instead of Christian holidays. Correct.

And I don't like it. >> It's interesting. My daughter came home. and was talking about Ramadan and how we. can celebrate it at home and I said we. don't celebrate that. But that's. wonderful that you learned it. >> Okay. >> I learned about Ramadan in school. >> No, they don't. They did like they did a. holiday party and that was it. >> Well, I would prefer no religion in. public schools. >> Separation of church and state. I just. think if you're going to allow one, then. you should allow all. >> I mean, it's okay to say like this is a. holiday that's happening today. Maybe. get some snacks and treats. No, they. devote like a whole lesson plan to like.

Chinese Lunar New Year, Ramadan, all of. that. >> But not Easter. >> But not Easter. Not like any any other. like Jewish holiday or Christmas. Selective. >> It It is because of who's on the school. board for this school. >> Yeah, it's a bit selective. >> Uh do all or do none. I don't know. >> Yeah. >> Patland. >> Yep. >> Okay. Uh, you immediately just spent. 2,600. I don't know what's going on.

>> Uh, >> what's happened here? >> That That's the dog. We financed our. dog. >> You just got the dog. >> Yep. >> Are you afraid of them eating it? >> No, >> of course not. >> That's a racist joke for you. [laughter]. Uh, $2,570. The What is a pet land? This one of. those like. >> pet stores. >> females. >> Oh, those are those places are bad, dude. I have heard after the fact that. apparently people have some pretty low. opinions on them. I didn't know about.

any of that. So, sorry to the people who. protest pet land. >> Well, they're just kind of like puppy. mills. Not saying like adopt not shop, sure, but if like every adopt is like a. pitbull, like I get it. You don't. necessarily need to do that cuz they'll. kill your kids. But besides that, like. puppy mills aren't always the best. >> Was a a like accredited breeder and they. gave background on horse. Why do you. think they're going to say, "Hey, we're. an unethical business. Please come to us. and spend your money. >> Okay. Well, either way, you open a. credit card with them.

>> Yeah, it's uh deferred deferred interest. financing on the dog. >> How many dogs you got? >> One. >> Just the one. >> What'd you get? >> An Australian Shepherd. >> I'm sure it's a beautiful dog. >> It's fine, but it's supporting a. business that isn't necessarily the. best. [gasps]. >> 24 month. Oh, deferred. >> Deferred. Yeah, >> guys. >> I know. We're only making the minimum. right now. >> Oh, yeah. 30 bucks. Okay. So, 2570. I'm. guessing you have like uh 23 months. left. 257 uh 23. So, you actually have.

to make $112 payments a month or else. this is going to acrue at a 36%. No, no, no. It is accuring at a 36%. interest. And then that interest will. hit if you don't pay it off and what? 23. months from now. >> Yep. So, $112 a month now going forward. Are you hundreds of dollars will hit? Oh, you don't even like the dog. >> I really want. >> You're not like a dog. >> I really want to. What creature are you? >> He's I I love dogs. I grew up with dogs.

>> What? >> I want to love him, but right now it is. so hard. >> He lacks training, but he also won't. train him. >> Well, yeah, puppies don't come with. training. >> Well, of course not. But when part of. the agreement of us getting this dog was. saying, I will I will do all the. training. You will do all the training. Well, why aren't you training them? >> And I do when I have time. Oh, hey. buddy. No, no, no, no, no, no, no. If. you said, "Well, let's get a dog. I'll. do the training. >> Lay down. Come and like stay." He knows. all of this. >> The training that hasn't happened. How. many months old? >> He's seven.

>> Seven months. He's one month older than. I am. >> So, you're out of the puppy training. You're out of the potty training. >> Yeah. So, training is good. What? And he. listens to command. What are you. complaining about then? >> He just hyperactive. Sometimes you sit. and lay down. But the problem is when. he's running around the backyard, he. will fur missile into our middle child. and hit him square in the torso. He nip. nips all three of them. I mean, he bit. the toddler on the face the other day. >> in a play way or aggressive way.

>> He thinks he's playing. >> He thinks he's playing. Yeah. I mean, yes, more training is going to Yeah, you. might need more professional training on. that, honestly, with kids for what it's. worth. Yeah. I mean, seven monthy old. Australian Shepherd, yes, it's going to. be a bit more wild and you just need. more professional training. >> That's new to me. I've never had such an. active dog before. I grew up with lap. dogs. I've I've never been around a dog. like this. >> Yeah, Australians, they're crazy. Yep. No, it's true. Um, okay. Well, someone. needs to take some responsibility here. and do something and probably do real. training. >> Real training.

>> Yeah. Maybe paid for, unfortunately. >> Robin Hood credit card. >> Mhm. I love my Robin Hood credit card, but uh you guys have done the opposite. of me. >> Yeah, >> I don't have access to that. >> I'm okay with you guys like at some. point doing some kind of like shortcut. like um like I know you're trying to do. the avalanche. Not really. But if you do. any kind of consolidation or personal. loan, I just want to keep this in the. back of your head. Bankruptcy, but not. until you change your behavior because. we're not changing our behavior. Again, there's spending on here. We're if we're. we're not changing our behavior. You're.

still spending on credit cards that you. are not even or you're just making the. minimum payments. you're not pay paying. off. You done consolidations before? >> Yes. >> Okay. See, and that just shows cuz then. you rack it back up. It doesn't work. until you change your behavior. Okay. >> Mhm. >> When you're ready. And for people out. there that have changed their behavior, we do have a good personal loan service. at caleb.com that we just connect you. with good personal loans, the best. personal loans for you. Check that out. And actually credit cards as well. Those. are for people that are credit card. people like me because I do really well.

with the Robin Hood app. So, I use our. credit card finder service. You guys. can't the personal loan. Maybe someday. for consolidation. It's good for them, but not for you. Change your behavior. first because again on here you spent. $712 even though it's maxed out. WHY? Who's Robin Hood card? >> It's mine. >> Of course. I thought she was the. problem. $4,685.73. $168. is the minimum. 20 years to pay off.

minimum with no purchases. 20. Yeah. YouTube TV, which is fine. Again, it's fine, especially at your income. level. I'll give you a large. subscription fund. It's okay. Okay. It. comes with all the NFL [ __ ] Yeah. YouTube TV is good. >> That's the only reason I got it. >> You're putting on a credit card that you. can't pay off though, so it doesn't make. sense for you. Storage King, you guys. have a big storage unit. >> Yes, we do. >> Lifetime. You can't afford lifetime. >> It is. Listen, Lifetime's great. I also.

have that. You don't need it. >> I I need it. >> Not Lifetime, though. >> I need Lifetime. >> Why? >> So, Lifetime has the only Lifetime is. the only gym in our area that has um. >> childare. >> child care for more than just the. morning. And I can't always go in the. morning. >> [ __ ]. Okay. Well, don't put it on a credit. card. You're paying 550 a month. >> Yeah, it's even more. >> Good death. Good death, man. But look, the dude. lifetime.

I will not give it up. It's not It's not. >> You have to budget it in. >> I do budget it in the the. >> You're spending more money than you do. >> Yeah. The balance that's on there that's. from before we even got the lifetime. membership. But. >> so it was already at a high balance. >> So you're making it worse. You're just. getting you're maintaining it. >> Yeah. But I'm I'm yourself. >> I'm paying more than the lifetime plus. minimum payment every month. >> Barely. It's moved down like a couple. bucks even though you're still spending. money. That money, that $700 that you. spent could have been $700 that went.

towards the card and brought it down to. uh below $4,000. So, go [ __ ] yourself. What are you talking about? >> I don't care what you say. I'm not. giving up that membership. I. >> I'm not necessarily saying you have to, but it's going on a credit card. >> You just said I can't afford it. >> Not in this context. Not on a credit. card that is accuring interest. If we. can put it on a debit card, maybe we can. figure it out. But you got to cut things. somewhere. I give everyone a gym. membership on the show. lifetime. A bit. excessive potentially for your. situation, but we'll figure it out in. the end. >> All right. Well, >> who's the American Express Gold card? >> That'd be mine.

>> Oh, buddy. >> So, that's that's a card that I got. specifically uh for both of us to use, even though it's only one card that's in. my name. >> Okay. Well, this one it looks like you. actually pay off. >> Yes. Yeah. That one has been used for. only groceries and eating out. [laughter]. >> OKAY. EATING OUT IS [ __ ] BUDDY. I I. AGREE, but it's something that we're. struggling to escape. >> So, oh, are you guys adults or not? Shut. the up. What do you mean you have kids? Shut up. >> Yeah. So, it goes on that and it's been. getting paid off every month.

>> Yeah. Yeah. And I can give you the high. five for paying it off every month. But. guess what? The money you're having to. use to pay it off every month that is. going towards paying off your eating out. could be money that is going towards the. three credit cards that that came before. this that are not being paid off. So, if. you spend you know what what did you. spend on this? You spent like 2,000 on. this card, right? Across the multiple. things and you paid it off. Great. Say. a,000 of it is eating out. That means. that's a,000 of it that you could put. towards the Robin Hood card and bring it. to below 3,000. combined with the spending you did on. the Robin Hood card. So, it doesn't. matter. Like, yes, this is paid off. Congratulations. First card of the four.

cards we looked at that has paid off, but it is still money being spent that. could go towards things to improve your. life and actually avalanche like you. like to. You're not avalanche. You've. never heard of avalanche in your life. >> I mean, obviously, I've heard of it. I. wouldn't have brought it up if I had. >> You don't know what it is, though. If. you're not doing it, you're uber eating. Uber eating. >> that that would be. >> calories [ __ ] Domino's. >> I disagree with Uber eating. >> What? Okay. He does. >> Well, you should. Yeah, it's it's a. premium. It's like an extra I looked at. the statistics yesterday. It's like an. extra 90% sir charge. Yeah, I believe it.

>> 100%. And I I don't disagree, but. working 8 hours a day, having kids and. school, and then he is going to go to. work at 5. He wakes up at 4:30. He takes. like an afternoon nap. >> and the sister needs to step in in some. kind of way in some kind of way. You. need to step up in some kind of way. And. also meal prep. If we're cooking a few. times a week, you can warm things up. It's easy. >> True. So, >> and I do I do I do sometimes like I'll. make a big I'll make a big meal and. we'll save it and we'll have it like for. leftovers or whatever. But when you're.

like the primary cooker. in your house. >> If you or your child spent years growing. up on social media and experience. serious mental health struggles, you. should hear this. Recently, a jury. ordered Meta and YouTube to pay millions. for their role in designing and. promoting addictive platforms. They knew. their apps could contribute to anxiety, depression, and body image issues, but. did not share those risks while. prioritizing profits. The recent.

historic verdict underscores the. consequences of those decisions. Now. Morgan and Morgan is stepping up to hold. these platforms accountable for the harm. they caused. Click the link in my bio to. take a short quiz. You may be entitled. to a potential recovery of over $1,000. Stop bleeding out money making minimum. payments across multiple highinterest. accounts. Most Americans are spending. hundreds, sometimes thousands of dollars. that could be going toward actually. paying down debt instead of lining some. bank's pockets. And look, if you're.

sitting on highinterest credit card. debt, a car loan at 18% or oh my. goodness, a [clears throat] payday loan. charging you tripledigit interest rates, you need to hear this. If you've already. cut up the cards and built better. financial habits, but you're still. drowning in interest payments, barely. making progress, this is for you. I have. opened my very own marketplace, a. personal loan marketplace that lets you. get personalized offers from multiple. lenders in one place. You can see if you. pre-qualify in minutes and it won't.

impact your credit score. But here's the. deal. This isn't a magic bullet. If you. refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that. screwed you in the first place. But if. you're serious about getting out of debt. faster, you could potentially lower your. monthly payment by securing a single. payment at a much better rate. Check out. the link in the description below to see. your personalized offers or go to. caleb.com. And remember, you still got. to do the work. Listen, I don't know if. she I'll get your sister a course.

careers cuz you guys are doing great on. your income. Sounds like she needs to. figure her [ __ ] out. I'll get her course. career certification and I'll get her on. Helium as well for a cheaper phone plan. [gasps]. But I don't know, like she needs to step. up and help. Domino's, Waterburger, Starbucks. [ __ ]. Exquisite Cafe. Morning Donut. Cheeky. Monkeys. Cheeky Monkeys. So much. [ __ ] Chick-fil-A. The cheeky monkey was a birthday. Black. Rock coffee Uber Eat 65 bucks in that.

one. >> It's [ __ ]. >> SO, YES, PAID OFF, but could instead go. towards actually helping to pay off one. of your bad debts. Oh, one main financial. What is this? >> Yep. So, this is a consolidation loan. that I took out a few years ago. Uh. because we were and this is before most. of these credit cards that we've gone. over even existed, but we we had gotten. stuff or all of our cards maxed out. I. didn't. >> all of his cards maxed out and this is. before we were started looking for a.

home and it's the reason why we couldn't. buy a home sooner than we did. >> So you guys are renting right now? >> No, we bought a home but so this was. like 2 years ago but we lived in an. apartment for a year and then my job. gives really. >> Did he take it out behind your back? Yeah, he took it out and didn't tell me. about it. >> And I had been planning and we'd been. talking about buying a home and my. >> [ __ ] she can't trust you. >> My job gives really great bonuses that. we could have used toward a down payment. to lower our rent and then he did this. which up our debt to income and we.

couldn't buy a house. >> Yeah. Yeah, I was wait for another I um. >> I was trying to control take take. control of all the finances without, you. know, having the mature conversation of. explaining that we're in a bad spot and. I just did that. I thought I could. >> What's the point of the personal loan. anyway? The interest rate is practically. a credit card at 24.21%. interest, right? >> It was still better than the rates that. I had. >> and at least I don't know. Okay. Uh you. can usually declare some kind of. hardship with many credit cards and.

they'll get you on like a 1% interest. loan, >> but then you have to close out the. credit card. Yes. >> What's the point of the personal? What. was the consolidation without closing? You're just going to end up in the same. situation which you did. So if. >> Okay. So $47787. >> Mhm. a month and you owe $10,1181. with an insane interest rate. >> Yeah. >> Okay. And I'm also being told there was.

another loan that he didn't send in. What the what? >> So, we have an upstart loan that I. originally took out to pay for our. daughter's dental care because he failed. to put her on his dental plan and she. never had dental care and then she had. cavities and that was $10,000. So, I had. to take out a loan to assist in the. payment of that because he failed to put. her on insurance. >> Why aren't you putting your kids on your. insurance, dude? >> He was lazy and procrastinated. >> I have since then it was. >> Well, since then after the consequences. >> Yeah. No, I I recognized where I where I.

messed up in that situation, >> but you know, obviously her dental. health is important and she need there. was work that she needed to get done. I. felt like if we waited the two months. for her to actually be on the insurance. plan and then schedule everything, it. would have been okay. But instead, we. just. >> pushed through and took care of it. >> That he didn't have her on insurance. I. got independent insurance for her. But. they told us to wait 60 days before any.

actual care could be done aside from. like cleanings. >> He wanted to get it done ASAP. >> It wasn't a. root canal emergency. She she had she had several cavities and. needed crowns. >> Yeah. >> Although which age one? >> The oldest. So she was she was five at. the time. >> That's like her baby teeth, right? >> Yes. But then if you don't take care of. them, it Well, okay. If you don't take. care of those teeth and it burrows down. into the teeth that come up and it like. you up for the rest of your life. >> Okay. So, >> and the dentist said you couldn't wake.

>> those. I was at work so he took her. >> Oh, you just went. You just did. >> Yeah. I I took her and. >> I I felt pressured to get it done right. then and there from Cali instead of. waiting. >> two months for her to actually have. insurance coverage that's necessary for. her to not get those anymore. >> Yes. Earlier to get such intense dental. work, right? >> Yes. But I was also the only one who was. brushing her teeth and I would do it day. and night. >> She's brushing her own teeth now. I. don't she's old enough to do it now as.

long just as long as she's. >> Okay. What's the balance and upstart? Uh, >> it's like 5600 because whenever I get. bonuses, >> what's the minimum monthly payment? >> It's I think like 112. >> What's the interest? >> 32%. >> What the? >> It was what I could get at the time. >> Okay. Wells Fargo credit card. What's. this? >> So that's mine. Uh, >> what? What? Have they not been yours. yet? >> Everything is Everything that you have. is mine, but the spending. >> I gave you all of my stuff. >> Okay. Well, I didn't send it in. Sorry.

What the? >> So there's It's even worse. It's even. more. So. >> I have like three credit cards. They're. not bad, >> but they're not with like high limits. like his are. His are matter. They're. still balances. You dumb tit. >> You're right. The the reason she The. reason I didn't send them in is because. uh that Upstar loan that I've got was uh. it consolidated her stuff. So it's in. >> But she still has balances on her credit. cards, right? >> I have recurring stuff that pays off. every month. So I. >> pay it off every month. They're. balances. You don't like I still want to. know your spending.

>> Oh, it's like Apple Music. >> Be prepared to pull those up. I want to. see the spending. Either way, 5,336.16. Minimum to payment $123.72. >> Interest is acrewing. So, it's. temporarily at 1%. >> Right. Yeah. So, that that account that. account is closed. >> Ah, so you did the hardship thing that I. talked about. >> I didn't know that that's what I was. signing up with them to do. I was just. >> What's wrong with closing your accounts? You you already have a house. >> There's nothing wrong with it. I didn't. know that I could close it and take out.

or get this hardship situation with them. to have a minuscule interest rate on. what's left. I didn't know that that was. an option, but I found it by accident. >> Are you paying on that? >> Yeah. >> I didn't know that. >> What? >> That he was paying on the Wells Fargo. one. >> Well, he has a minimum. >> Yeah, just the just the minimum every. month. >> Um, I think now would be a really great. time to tell you that he also opened up. a new credit card with USAA. >> Myself. >> Yeah. Well, since Okay. Yeah, since we. just got it in the mail. >> Why, dude? What is your addiction here?

This is insane. >> So, a lot of those other ones I fell I. fell into the trap of points chasing. I. I didn't do it I didn't do the process. correctly and that's how. >> what like interest is acrewing and that. completely negates any kind of points. you'd ever get. >> Yes. Precisely. >> Okay. So, >> so and then you applied to financial. audit, submitted your documents and then. got a new credit card. Like you already. know you're. >> Yeah, I know, >> brother. So this hind card so he. couldn't activate it. >> Even on here it says [ __ ] spending. Rosa's cafe and tortilla going inside.

getting some energy drinks. More. Petland. What the? You made your pet. petland down payment maybe on here. >> So that's a separate financing deal. It. charges over uh it charges over 12. months a uh a set balance. >> Chip donuts. Chip donuts. And I'll be. honest, >> girl had her friends in town. I was. like, you know, let's give them a little. Texas love. Gosh [ __ ] please. I used to. think they were incredible. There some. Those were the worst donuts I've ever.

had in my life. >> It's got to be a fresh glaze. It's the. only way it's good. >> And they're [ __ ] They're just They're. like bread. This is bread. It's not. donuts. They're like They're actually. like a loaf of bread that's slightly. glazed. They're [ __ ] man. That is. >> I know. I know there's better donuts out. there. That's. >> Yeah. Round donuts. Crispy cream. Donuts. ever. Even Duncan. Tim Horn. >> Absolutely. Duncan is trash. >> It's not good. You're right. It's not. good. But it's better than Shipley. Shipley's not a donut, dude. >> Why are we arguing over Shiplan?

>> Donut. We are donut connoisseurs. >> We are fat. Except. >> and he's got a bad opinion about it's. not a bad They're not donuts. You're. right. Dunkin is [ __ ] But at least. they're donuts. You were talking about a. loaf of bread that gets a little glaze. on it. It's horrible. It's literally it. is the Congratulations. They're. horrible. Everyone I saw everyone shake. their head yes when I said that cuz. they're [ __ ] donuts. You're a bad fat. >> Okay. [snorts]. >> I don't want to be fat. So I guess it's. a good thing that I'm a bad fat. Oh,

you're only getting fatter and it's on. shitty food. >> Yeah, it's cuz I'm damn good at getting. fat. >> You're damn good at eating the worst. donuts. >> If you're going to be in public safety, at least get the good donuts. >> Well, I don't get donuts while I'm. working. >> He gets them after for the kids. We do. like a little donut sundae which has. >> crispy. >> Well, yeah. Honestly, we don't really. >> I love crispy cream. There's not one on. the way home. >> What the? >> It's too out of the way. >> Okay. Saver card. Who? >> Also mine.

>> $97242. I can never get Shipley. It's. horrendous. What? >> The worst [ __ ] I've ever had. The the. friends were so disappointed and. everyone was so disappoint. They were so. they were just so bad. They were so bad. Got the glaze. Got the filled. got the. uh strawberry sprinkles. We got. everything and it was all [ __ ]. Barbarian filled. Horrible. Horrible. Horrible. >> I don't disagree. >> Then I got one and then I ate one the. next day and it gave me diarrhea farts. all day. It was horrible. $97242.

cents on here. Interest being acred. No. purchases, but you're only making the. minimum payment cuz we're avalanching. I.e. spending on the credit cards that. we're putting more towards. Stupid. stupid ass. 7 years to pay off. Interest. is being acrewing like crazy. Yeah. Okay. Venmo credit card. [ __ ] me. What a. balance. And a Venmo credit card takes. eight years to pay off. 2,784. Ridiculous. You'll have experienced two.

more preschool graduations. by the time this has paid off. >> But they're all going to use the same. >> Yeah. They better cuz that's the most. pointless waste of society thing. Our. quality of education is going down. everywhere in this country. Everyone's. becoming more and you're giving them a. celebration for preschool. >> Yeah. >> [ __ ] off. Kindergarten, whatever. Same. thing. Same [ __ ] to me. >> $69 monthly payment. Eight years to pay. off. And oh, you're no interest. Interest is being accured. Brutal. Of 50. bucks practically after a $70 payment.

$277.84. Auto. We have a car. >> That's my car. >> What is it? It's a 2024 Volkswagen Atlas. Seek. >> Okay. Well, you owe $38,000. $385.74. with a minimum monthly payment of $754. Now, that's that highinccome [ __ ]. That's where people themselves. I got. death threats on Twitter yesterday after. Dexto posted a clip of me saying we.

spent too much on cars. Here's an. example. They make so much money then. they get $800 minimum payment on their. car that they don't need. You know how. much it was worth for your $40,000 loan? >> So I. >> What's it worth? >> It's worth a lot to me. >> Okay. $28,000. You. >> Okay. Well, I yourself I'm going to. drive the wheels off it. But also the. car is what everyone says. >> Well, I don't have any plans to upgrade. >> We What are you a little Nazi? What do. you mean? What? >> I just like my car. We upgraded because. all three car seats would not fit in my.

previous car. >> Don't care. You owe a lot of money on. this car. >> What am I supposed to do? drag the other. kid behind me with a chain. >> There's other cars that exist that can. fit it that are not $40,000 at an $800 a. month payment. I What name it off the. top of my head? A used Volkswagen. >> Ours was No, it was new. But we got a. better deal on it. You on a. >> Shut the up. You didn't get a good deal. You're underwater by $10,000. What's the. interest rate on it? >> Seven and change. >> Go off. So, it's barely even competing. with the marketplace if your money's in.

there and then you got depreciating. You. already lost 10. You'll lose more as it goes. Me so. stupid. What is this then? A lease? >> Yeah, >> you have a lease. What's your lease? >> I got a 2025 F-150. >> This is. >> And he had a Volkswagen Jetta that was. almost paid off. >> You are a American. You don't do anything. You go to work. and drive a different car. You don't need this. You don't do. anything. You pick up groceries. Even.

I've used it for things that I couldn't. have done. >> a couple times that you could rent a car. for that you could rent a truck in the. moment for. You don't need you never you. never in no way do you need an F-150. >> I mean I needed something that just like. hers that could fit all three car seats. >> You didn't need a Ford. >> also and also do other things like. whenever we were uh she wanted to build. something for uh doing pottery. >> rent. You don't need to lease this [ __ ] at.

$579.81. a month, which your miles will likely be. over, which your gas payment, especially. now, is aggressive on. >> Yeah, the g the gas is hard right now. >> Yeah. Your problem. Your fault. >> Can I also just say that um our our. monthly payments increased on things. because he had a really sweet deal where. he was still on his parents' insurance. and he was not paying his dad for the. insurance. So, they told him to get his. own. So now he has to pay what is it. like $300 with your own.

>> uh yeah between. that for the budget. >> the. >> what's the term on this. >> uh. >> 5 years. >> 40 no 48 months. >> and what are you going to do after once. it's done. >> release it to keep it. >> why something you don't need. >> get an auto loan to finish. >> F150 to get to the office and you have a. Ford F150 to get groceries this is so. pathetic. you you're the most American piece of. [ __ ] with a stupid car. It's so stupid. >> I I think that it's that it works out.

because I mean ju right. >> afford your car payments are a,000 500. bucks. >> Yeah, I know they're expensive, but I. mean ju just for the truck I have I have. a. >> which you don't utilize. >> I have a 40 a 40 mile commute to work. >> That's even a worse reason to That's. even a worse reason to have a truck. A. 40 mile commute. What the. >> Yeah. No, I I'm I'm not disputing that. The fuel economy sucks compared to to. the last car that I had. But I'm in a. position where no matter the weather, no. matter what's going on, I have to get. there. So. >> with it, just stay in an SUV. You'd be.

fine. >> Over the winter when we had snow and. ice, just. >> four-wheel drive SUV, you'd be fine. >> A four-wheel drive SUV is the same price. of pickup. >> I went to I think it was like the uh. it's statistically like the eighth. snowiest university in the United. States. Snows up to here constantly. West Michigan, [ __ ] Lake Michigan, lake effect snow. Crazy. I had a. two-wheel drive horrible sedan and I was. doing delivery Jimmy John's and uh uh.

avalanches. Shut up. >> Compact snow is way easier to drive on. than. >> black ice. >> What are you talk? I WAS BLACK ICE every. second of every day. What do you think. happens up there? It's horrible. It's. scary. >> I think it just snows and everyone. drives on it and then it compacts and. it's easy to drive. >> No. And it's also like hurricane snow. [ __ ] too. Blizzards, buddy, this is a. cope. You're coping. Shut the up. Your. house. $323,85684.

What's it worth right now? >> Um, I think it's worth 368. >> Okay. So, I guess you would be close to. breaking even if you sold it after. everything. >> $2,349.71. a month. A decent rate. Actually, good. rate at 4.25. So, I do like to see that. That's fine. I'm not freaking out about. the house. Yeah, the. >> the mortgage payment's a little higher. now. Um after the first year there was. >> So what's it now? >> Uh just under uh Yeah, it's just under. 3,000. >> Hey, me.

>> But that was because our taxes went up. And then we also found out that we were. >> Show me your credit cards. >> We were We also found out double paying. insurance. >> Here we go. Checking account. Decent. money in there, but it's Cheesecake. [ __ ] Great American Lush. Sonic. Sonic [ __ ] at Target. [ __ ] at. Target. Amazon, Sonic, Apple Bill, Waterburger, Lowe's, Nails, Etsy, [ __ ] McDonald's, [ __ ] Sonic, [ __ ] SONIC, SONIC, SONIC. WHAT IS. WITH YOU IN SONIC? It's horrible. It's.

the greasiest [ __ ] in the world. It's. actually. defend that [ __ ] because it is one. drink, maybe two with my sister and it. keeps. >> $4250 at Sonic. >> That was a night that we all had dinner. >> Interesting. Shut the up. No, you. didn't. Okay. $10. [clears throat] It's. a $10 drink. >> if me and my sister go and she gets a. >> sister that doesn't pay rent. [ __ ] off. Amazon. When is that some energy drink? Spotify. Sonic. Apple bill. >> Energy drink. Snowy fun. [ __ ].

Energy drink was a birthday. >> Panda Express. Off. You can't afford it. >> Amazon. Amazon. School Cafe. Raising. Cane. Sonic. Amazon. [ __ ] Amazon. Amazon. Um, okay. Pharmacy probably. Okay. McDonald's. Sonic. McDonald's. Amazon. Energy drink. [ __ ]. Auto pay. Oh, auto payment. Well, something I don't know, but it's like 41. bucks. Black Rockck Coffee. >> Oh, that was like an auto payment to a. card. >> Amazon. In-N-Out. [ __ ] Apple bill.

Water burger. Waterburg. Waterburg. Sonic. Boot city. Cavenders. [ __ ] Sonic. [ __ ] Energy drink. [ __ ] Apple. Bell. Energy drink. McDonald's. Canteen. Vending machine. Yeah, at work probably. Vetting machine, black rock coffee, Sonic coffee, [ __ ] raising canes, got the trial for AMC, every dollar. Well, now you get dollar wise for free. forever. So, congratulations. McDonald's, [ __ ].

[ __ ] Victoria's Secret, 80 bucks. there. Chick-fil-A, Starbucks, [ __ ]. Waterburg, Sonic, [ __ ] APPLE BILL, SONIC, [ __ ] [ __ ]. Energy drinks, energy drinks, Sonic, [ __ ] Waterburger, black coffee, Amazon. Amazon. What the are we doing? Savings $103. Wow, what a stunning. success. $200,000 a year household. What. the are we doing? 7% employee. contribution rate for this TMRS. Well, what's the balance? 13,000. Definitely. behind for your age.

>> Yeah, but that's. >> Robin Hood 189. >> So on that on that retirement account, it's um my employer matches 2 to1. So. >> that's good, but there's only 13 in. there, >> right? But that's that's only my contrib. that's only my contributions. >> because I'm not fully vested yet. So I. can see the amount that will be. available. It's just not fully available. until I hit 5 years with them. >> Got you. Even still behind for your age. for sure, >> especially at your income. >> And that's you guys know what your. retirement should be at in about one.

year. >> Uh probably $100,000. >> $200,000 combined. So, what we need to. be doing is paying off everything and. then living solely off one income and. putting everything else away. >> You're just literally having a monthly. fee on here. You're just paying for your. monthly fee. >> I was just saying I need to I can't you. still haven't cancelceled that card? >> No, I haven't. I'm sorry. >> You need to I told her that she needs to. cancel. >> Literally just paid a monthly fee for. the credit card and you didn't even. spend on it. >> And you still have the credit one? >> Yeah, >> credit one's insane.

>> Yeah, I need to delete I need to delete. them. >> Delete it. Um, or I need to cancel them. >> Yeah, I told you that 3 months ago. >> Sorry. >> Well, why didn't you do it? >> I forgot to be so honest. >> Shut the [ __ ] up. What kind of That's so. immature. Credit One's insane. All this bullshit's. insane. Minimum Ze payments, no. mortgage, $2,42,341. without the mortgage, guys. 2500 bucks. Never been in the credit one app. This.

is disgusting. Okay. Yeah, you purchased. 46 bucks here. Where where' it go? Where' it go? >> Probably to [ __ ]. >> Canva and church. and another credit one. Jeez. >> The Canva I probably need to expense. That's for work. I do a lot of our. marketing stuff. >> But you're doing it on the credit one is. insane. >> It's just what was attached to it. >> Uh Stan Pato. >> What? >> I don't know. It's a store. Some some. guy's store you spend money in. Cur one.

Oh, and here we go. Recent transactions. Black Rockck coffee. Sonic. It just. continues. He went inside, got some. [ __ ] Oh, some gas. Sonic [ __ ]. Starbucks, Jack the Box, Barnes & Noble, Monster Yogurt, Chick-fil-A. What the is. wrong with you? >> You guys are pathetic on your spending. This is insane. Mortgage 2,900. What's your gas, electric, utilities, internet combined? >> Um, our electric is 150. Our gas is 60. Our.

water is 125. Our. trash is included in the water. >> Internet. So you utility should be. around 350. Internet also has her phone. bundle. >> It's included in our phone. How much? Um. it's like $400 a month for. >> No, no, it's uh. >> It just went down. >> It just went down to three. >> Good death. >> For phone plus internet. >> 650. [ __ ] off, man. Again, helium when. your phones are paid off. What the [ __ ]. are we doing? I know the service is. great up there. >> Phone bill. All right. Well, we already.

Is there an additional phone bill on top. of that? >> Um, he should be paying his parents for. his um. >> how much? >> No. So, my my agreement with my parents. is they have me on their plan as the. as the primary so that they can keep. >> gas vroom vroom drive. Both of you. combined. It's going to be insane. >> Right now, we're like $450 a month. >> The price is even that low. >> I also get like a $300 stipend every. quarter for gas. >> Oh, quarter. Yeah. >> Okay. So, I'll bring it down to 350. then. >> $100 went to it. Car insurance combined.

>> Uh, >> you just combined it. >> Oh, what did it just go up to? >> About 400. >> Kill me. Okay. Necessary food. Listen. Okay. So, two 20month-old pretty much. eating everything normal. >> 265. >> That's the That's the last payment. >> Oh, he added me to it. >> Either way, 20-year-old, 2-year-old. >> Mhm. >> Eating everything just normal. >> Oh, yeah. Yeah. Eats everything under. the sun. >> Six month olds sound like baby food. though, right? >> Baby food and formula.

>> Formula formula is $200 to $300 a month. >> That's fine. So I think we should be. able to do groceries. Total meal. prepping about a,000 bucks. TP find. anything else needed to survive. That is. diapers. That is everything. That is. [ __ ] as toilet paper. That is school. [ __ ] It's going to be expensive for a. household like yours. About 500 bucks a. month. Medical health care. How much. co-pays monthly basis? Anything? >> Uh we have a uh we owe money to the. pediatrician's office. Well, that's a. debt. >> Well, it it it's because I didn't know. the. >> Well, how much?

>> It's $100 every month for. >> It's for 27 months. It's $2,700. >> Well, add 100 bucks to the debt cuz. that's what it is. Are there any co-pays. on a monthly basis, though? >> No. >> Okay. Jim, what was it like 550? >> Oh, it's way more than that now cuz uh. third kid, then she added Pilates to it. >> How much? >> 765. >> We'll see how it ends up. Pet insurance. 50 bucks. How much for pet food? Uh. >> 50 bucks every quarter. He He eats like. a cup of food for.

>> it'll ramp up. Okay. 20 bucks. I'll put. >> No, he's fully grown now. >> Okay. So, seven months. >> He's still a puppy. >> I mean, he's not he's not going to grow. in size anymore. >> I don't know if that means he's. >> subscriptions. I'm going to try to give. you guys like 200 bucks if I'm being. nice. Let's see. Anything else that. needs to be in this budget? Uh, I don't think so. >> I don't have. >> All right, guys. Yeah, even with that, there's some wiggle room, but there's a. lot of debt to pay off. Okay, so needed. to survive. $9,36411.

I give you $200 for subscriptions. You. can use some of that. Put it to fun. Maybe $100 for subscriptions, 100 for. fun. You don't get to spend money on. [ __ ] or not right now because you. have an extra Okay, let me do this. Let. me give you guys $200 for fun. You have. an extra $2,200. on a monthly basis. Okay. So, that's. going out to eat. It's going doing. whatever. Save it up over a month and. have $400 next month. Whatever. But I. need to figure out more than anything. the most important.

Okay. So, total debt $68,4104. plus what's the total pediatrician debt? >> $2700. >> Okay. With the $2,200, I mean, yeah, you guys. paid it off in just about 2 and a half. years. And that's not bad. And I'm. giving you fun money. And you know, overtime, more we can rack up, the. better that pays it off. Raises. throughout the years, that'll pay it. off. I wouldn't be surprised if you guys. pay it off in about 2 years to be. completely honest. And that's with fun. money in a great subscription fund. And.

I gave you a lot. But you're meal. prepping. We're not eating now. You can. use your $200 for take from. subscriptions. You can use $300 towards. There you go. But whatever. It's 2. years, guys. This isn't the end of the. world. Or two and a half depending if. your income is purely stagnant. But you. have to make a change. You have to make. a sacrifice. No more credit card. spending. And it's all in the debit. And. yes, you did have enough money in there. You didn't have to put it on credit. card. Stop around. You guys are behind. on retirement. Don't put yourself in a. dangerous situation with your kid. You. guys make an incredible income. Take. advantage of it now, guys. Stop being. pathetic. Stop being pathetic. Then.

after that, a fully funded six-month. emergency fund. Then 20% is going to. retirement on a monthly basis. And you. guys have an incredible 30% to spend on. fund with your $11,800, which will be. even higher, but you'll be able to spend. $3,540 a month on fun. [ __ ] off. It's. better than anyone gets to ever. So shut. the up. This is the easiest situation. ever. It's disgusting that you're in it. It's disgusting that you're not getting. out of it. It's not complicated. Communicate. Go to couples therapy. Figure it out. Before we go to the post. show, let me get their hammer financial. score. Get yours at calehammer.com.

Spending in a budget. You overspend dramatically. $22,000. Zero out of 10 cuz you guys don't. communicate. You won't talk. You don't. budget. Use dollar-wise debt. No. collections, which is good. But it is pretty I I'll give you a 2 out. of 10. Not good. Obviously, two years to. pay off though. Emergency funds. Uh. there was really nothing in savings. There's a little bit in checking. account. I'll give you a two out of 10. to be generous cuz there's like 6,000 in. checking account, but I'm sure that. fluctuates dramatically. In fact, I'll. give it a 1 out of 10 because of that.

Retirement definitely behind for our. age. I didn't see anything from you. What? >> No. My company doesn't have a retirement. plan and I don't have. >> they don't have a 401k. >> No, >> they don't have to match for them. Okay. Well, you still have access to IAS. So, >> right off. >> I have an interest bearing savings. account, but. >> okay. IRA, max it out, dude. Okay, whatever. Uh, retirement. I will give. you about a 3 out of 10 there. That. might [music] be generous. Real estate. is the only thing going for you. You can. sell at break even. Great interest rate, good location, you're in a boom town. Yeah. Yeah. Yeah. No, I'm happy with the.

real estate. Eight out of 10, but I'm. going to bring the retirement down to. two. Hammer financial score. Get your at. Calebhammer.com. Real estate's caring you guys three out. [music] of 10. Join us in the post show. by clicking that join button or by. downloading the Hammer elite app or. going to hammerite.com. You can watch it. on YouTube or you can watch it on our. platform. Completely up to you. Say. membership on both places. Love you. guys. Thanks for supporting us. See you. in the best membership on YouTube. [music] in the h and the financial auto.

post show. >> There was a a consolidation loan that we. didn't talk about. >> But you haven't changed your behavior. You spent so much money. Hey, it wasn't. even my idea. Whose idea was it? Kelly, >> it was your idea. >> So was the So was the upstart. >> How much was the loan for? >> $1,000. >> Consolidated. [screaming]. >> I have an exclusive offer just [music]. for you, but there's only one week left. to purchase. You'll get lifetime access. to the entire Hammer Elite catalog and. my Hammer for Life box packed with.

limited edition merch. Plus, I just. launched the brand new Hammer Elite app, available on every major platform. To. celebrate the app launch, I'm offering. 30% off the annual plan in the month of. June only. Download the Hammer Elite app. by using the link [music] in the. description or pin comment down below. This is the best membership you'll ever. join in.