Financial Audit's Most Evil Parents

Our boyfriend has been living with us. now for years and not paid a dime. >> They're just kind of two-faced in a way. and they can be a little rude at times. >> Part of it, too. I mean, I am tired of. doing everything. I mean, I literally do. all of it. He'll go to the gas station. and he'll sit there in the bathroom for. hours. Is this not all extra sketchy. with spending like an hour and a half in. a McDonald's, spending 4 hours at home. in the bathroom? That would make me.

think drugs. >> I don't even know how I started vaping. I started vaping when I was like 15, >> 16, something. >> What are you guys. at? >> This is a family of losers. You're a. loser. You're a loser cuz you don't even. interact with your family. Pretend 100%. is you're you're walking out tomorrow. 0% is you would never even consider. walking out where you're at. Dollar Wise is finally here, sending. waves through the personal finance. world. This is officially now the best. budgeting app on the market, and I'm.

giving you a special deal to download. Take a free 3-day trial to test it out. And then you get the monthly plan at a. 33% discount for the first 3 months or. the annual plan at an insane discount. And with the annual, you get my budget. friendly cookbook and my brand new. 30-day detailed budget meal plan signed. by me and meal directly to you. Don't. miss the opportunity of a lifetime. Download dollar and start your free. trial. Go to dollarise.com or click the. link below. Hi, I'm Beth. I'm 21. [music]. I'm Amy. I'm 44. >> And I'm Nick. I'm 45. And we're from. Little Rock, Arkansas. [music]. >> And this is Financial Audit.

>> Okay. So, I clarified before we started. filming. They're not all This isn't a. throppple. >> No. >> Which is what we had before. This is a. daughter situation, which has never. happened in the history of financial. audit. So, I'm very curious to learn. what's going on here. However, I sat. down and I was immediately whispered. right here that they're already arguing. before I even stepped in here about her. mom won't pay off uh Beth's debt. You. guys were arguing before we even. started, before I was even in here to. see the argument.

>> It's not so much pay off my debt. It's. just she she thinks that she did a lot. by telling me verbally what to do. >> Wish you would have, you know, pushed. back a little bit more with the animals. To be transparent, we saw the statement. and I said, "Oo, $4,800. That's not my. statement.". >> Time seeing the statement. >> Yes. I Well, I knew it was a lot. I. didn't know how much it was. And I tried. to tell her from the very beginning when. she got the credit card, "Pay it off. Don't let it go [clears throat] through.

the roof." And. >> Uh-huh. >> Here we are. >> Usually a good. uh perspective to have Why do I have a. daughter and parents on the show? cuz. I've never had this. What the What the. is going on? >> So, they needed the help. So, I dragged. them up here. >> We And not her. >> They needed the help. >> Sure. >> Right. >> Yeah. Is it true? >> I mean, we do. Yes. But so does she. >> Well, why is she on the show? >> Cuz usually when parents need help, I. have the parents on the show. Why are.

you on the show? >> I I don't think mine's really that bad. A large part. >> Why are you on the show? >> Yeah. >> She just didn't want to do it by. herself. >> Yeah. I don't do anything by myself. Okay. I mean, I have that they kind of. brought you on with them. They want you. to move out. You're not moving out. You're not even in a place to move out, but they want to get you the out of the. house. >> It's fine. >> So, >> him specifically, financial ait, but she. told me a month or so ago that she.

wasn't leaving the house. She wasn't. going anywhere, and that we were going. to be stuck with her forever. situation. >> Well, that was not okay with us because. our boyfriend has been living with us. now for. >> years and paid a dime. Well, >> well, have we talked to boyfriend? >> Yes, we. >> What is boyfriend said? >> He doesn't think that the money that he. would give would go to what it needs to. go to. >> Does it matter if it's rent? Is that. >> Yeah, not really. But. >> why the is he Why is he allowed to stay.

there? Why have you allowed him to stay. there? his life upbringing wasn't that great. and so we took him in. Um kids though, >> but are we taking them in or are we. charging them rent? Which one is it? >> Well, so originally we took them in and. then we. asked him to pay and it's not a lot. a. hundred bucks a month. That was it. because we knew he didn't make a lot of. money at the time. And so, you know, he. paid that for a few months and then it. just kind of trickled off. And um. >> my thing is we took him in when he was a.

kid. So therefore, we didn't charge him. rent because he was young. But he's an. adult now. So it's like. >> Mhm. >> you know, >> but he dictated when to stop paying us. And then I never went back and asked him. to start paying again. It's been years. now since I've gotten a dime from him. So. >> And you? So we've talked about it. You're the one that wants them out a bit. more. >> And he just like. >> it's time. I mean, I moved out when I. was 18, you know, been on my own, handled myself. >> Well, it's fine. Doesn't mean they. necessarily need. >> a different time. It was a very. different time.

>> What What was different specifically? >> It's just a lot more expensive now. >> In which case, >> which aspect? It's incorrect about everything. Now, buying a house is more expensive. >> That's more expensive. The cost of. housing, healthcare, education is what. has gone up. the cost of everything else. in terms of relation to percentage of. income has gone down. As in you buying. food from when [clears throat] he was a. kid, you buying groceries is down. >> And I've always been told not to rent. I've always been told to buy and so. you're telling her she can't move on. unless she buys.

>> But she's not renting either. >> But also, I mean, with the amount of. >> also it is a dual income household. It's. you and the boyfriend. It's not just you. moving out, right? So, this is different. than just kicking you out at 18. >> with nothing. >> Yeah. Um. >> Yeah. With the dogs and the animals, it would. be hard for us to find somewhere to go. >> So, they're at our house. You know what. I mean? >> Yeah. >> Well, how many animals? >> I have six dogs and two ferrets. >> Okay. >> And had a raccoon for a little while. >> And I did have a raccoon. >> See, we have a six-year-old son, too,

that that isn't home. >> Oh, yeah. >> Okay. They clearly want you out cuz this. is insane. Get the out. >> And that's the It's not your house. And. I I don't care if you say they're. through 25. Like the parents are down. with that. >> They're not. They want you to leave. I'm. glad I'm getting lots of yes from you. But. >> well, it's very funny that they're. saying that now because they've never. said that to me before. >> Really? >> Dad has spoken it to me multiple times. I am the one who is I'm okay with her.

staying with us until she's financially. ready to move out. >> What does that look like? So I don't but. I don't know that that will happen until. she gets. >> well not with enablement. I mean we. already. know. >> Hold on. I'm glad you are both agreeing. with me. That makes me feel absolutely. thrilled and warm inside. Then why the. aren't you doing anything about it? >> Cuz I'm weak, I guess, when it comes to. >> Well, I Beth specifically told Colton.

that nobody trusts each other in this. family and the boyfriend doesn't trust. anybody in this family. So if there is a. lack of trust, if there is a lack of. communication, if there is a lack of. holding anyone accountable or just. endlessly, if there's nothing here, we. can't even trust each other. >> How do we get. >> Hang on now. I don't know where the. trust issue came in. >> Beth, yeah, >> the trust thing is with my dad. I don't. have super bad trust issues with my mom. It's my dad that I have a lot of trust. issues with. >> What?

>> Just because he's not around much and so. makes you not trust him. What? Why is. this not around? >> I do work quite a bit. >> He works quite a bit. >> Okay, that's working. Why is that trust? >> Okay, I think I know where she's going. with this. It's the show. >> She rents lots of motel. >> But what is this trust? >> He's like best friends with my uncle and. he's over there a lot and so. >> what you think him and his uncle are. doing something weird? [laughter] Then. what is this trust thing? I'm confused. how that equals trust. And if that rubs.

off on your boyfriend and your. boyfriend's not paying rent and the so. the boyfriend doesn't even respect the. people of the, you know, that is keeping. the roof over his head and he's not even. paying anything and the lack of trust. because he hangs out with your uncle. which is his brother or brother-in-law. >> paying rent anyway. Why does that matter. what I do with the money? I. >> Is that what it is? Is it about what he. does with the money? >> I think so. >> What do you mean? You think so? You're. the one that said you don't trust him. >> No, I don't have trust issues with them. It's. >> No, you said you have trust issues with. your dad. You literally just said that.

You can't just pull that back now. >> I know where my trust issues come from. with him. Um, so I I mean, I can speak. to that because, you know, of the. spending um, and spending habits. I. mean, you know, who's to say, you know, you go to the gas station and who's to. say you're not taking an additional $20. out or, you know, I don't Well, there's just a lot of gas. ch gas station charges throughout the. day. >> Why? What are you getting?

>> I do spend a lot on on. just sundry items, you know, food, drink, cigarettes. >> Oh, dude, you're killing yourself. >> I know. >> All right, buddy. Listen. Here. Take. this. Here we go. have this energy. drink, Grandma's Ashes. They're Listen, they're very Goon names, but Gamer Subs. is honestly absolutely delicious. Everyone that tries them absolutely. loves them. So, no more stopping in, getting your I can't make the. Sigs work for you. That's nasty. Anyway, [clears throat] but take [laughter]. that. It's 40 cents a serving with my. discount code, which is 10% off. Get. your free samples link in the.

description below at Gamer Subs. Uh, just type in my code. But seriously, make your energy drinks at home. It's. like making your coffee at home, man. It's the It's delicious and it's the. best way to save. So, no more of this. gas station cuz Yeah, I I would get it. if if she's Are you like running the. house? >> I am. >> Okay. And then he's just taking money, taking money, taking money, taking. money, and it's for who knows what the. >> Yeah, I would have trust issues there, too. But why don't you bring up, >> right? What's going on? >> That that's part of it, too. I mean, I. am tired of doing everything. I mean, I.

literally do all of it. Um, there is. little to no help at the home and he. can't I don't think you can argue with. there is no argument there because I. literally clean the house, cook the. food, take care of the you know I work. full time. >> What I will say when she does get help, >> but I'm not the only guilty one. >> I am a little overpowering. I get that. >> I was going to say is that even when she. does get help, she usually backtracks. and does it herself anyways because she.

likes it done a specific way. It takes. money from the account. Is this your. personal account or is this a shared. account? >> A shared account. >> Okay. So, it's not taking money from. your account. >> But I am the bread winner. >> So, >> really? >> I am. >> Yeah. She makes good money. I mean, she. makes good money. >> What do you do for a living? >> I work for a transport company, tow. truck. >> Okay. What do you make? >> It's a 1099. So, it fluctuates anywhere. between 7 to,000 a week roughly. >> Anywhere between 40 45,000 a year.

>> Nat or gross. Well, so it's $10.99. >> Are you setting adequate money aside for. taxes? >> Any financial. in her head? >> Well, how do you even know? >> Because me and my mom, we talk a lot. about. >> she knows we're not. >> finances. >> Are you. setting money [clears throat] aside? You. know that. >> I'm kind of her taxes. >> Oh, no, no, no, no. >> Are you venting to your daughter about. your husband's finances? About her. father's finances? To your daughter? It's a bit odd.

about about the expenses. Yes. How much. he spends on a daily basis is. outrageous. I mean, if your paycheck. without hang on if your paycheck without. tax being taken out is 7 to,000 a week. >> and you go to the gas station and you. spend $200 a day, and I'm not. exaggerating, it can be up to that much. Your paycheck is not 700 to a,000. >> This is Yeah, this is a mess. And. listen, I do have a note that Amy was.

talking about how she has threatened to. leave multiple times. >> Did you even know this? >> I did to you. You know this. I know you. know you know this. >> You were present. Why? >> Why would we have that? Come on. >> Because she lives there. I mean she. lives there. >> Yeah. But go somewhere you freaks. What. the. >> Why do you want to do that in front of. your daughter. >> intervention? Tell me what happened. This is important. He was um.

making not so great choices. >> What were you doing? >> Nicholas [laughter]. >> had issues. >> Who's going to say something? Who's. going to tell me what the is going on. >> in this small house with six people? Yeah. >> He had a um drug problem about four well. five 6 years ago. Um. >> that's when you threatened to leave.

Nothing sooner. >> No, that was when I threatened. It was. either rehab or uh I was leaving. >> Oh, good. And. >> went to rehab. >> Good. I am happy to hear that. Yes, that. was. So, she was there because um it was. kind of an intervention type thing. >> and they pulled me. I automatically. thought it was just a divorce cuz I had. no idea. >> because I was going away for 30 days. >> What are you doing? Which one? >> Was I not? >> Huh? Really? [clears throat] All. >> I mean, not all of them, but and weed.

and all that was, >> you know, mapping weed. >> Yeah. Yeah. So, >> you've been clean ever since. >> Good lad. >> Happy to hear that. What a dysfunctional. household, huh? How big is this house. with six people and a thousand animals? >> So, we have six dogs, two ferrets, five. people. It's a three-bedroom trailer. with one room. >> But we don't even have that now cuz a. tree fell in our house. >> A tree fell on our So, we had So, Sunday. night, Straight Line went. >> Sunday. Sunday.

>> This Sunday. >> This Sunday, where do you guys live now? >> We're couch couch hopping at the moment. living with myas staying with my parents. >> at the moment. >> and all the animals. Why do you want to. live there? Why haven't you tried to get. the out now? I'm putting more blame on. you. What the is wrong with you? Why are. you staying there? I would want to. escape immediately. Drive away. What are. we talking about? We had an intervention. 5 years ago. What were you like 17? Like. what the are we doing? Your boyfriend. Don't you want intimate private space.

with your boyfriend? as in, you know, him sticking it inside of her and. [laughter]. >> Okay, I have my And that's been walked. in on a few times. >> Okay, that's TMI. Um, >> were you walking on them diddling? >> I knocked on the door. I knocked on the. door. [laughter]. >> It was. >> Girl, how is that not dramatic enough to. get the out. >> because it's free rent and I've. >> free rent and no privacy and a thousand. animals and a trailer that doesn't even. exist anymore. where interventions and. no fight or trust happen.

where I can't I put myself in a. position. >> And what's that? What about you and your. boyfriend though? What the does your. boyfriend do? Maybe he should be the. fourth one at this table. >> He should What is he a coward? [laughter]. >> I got a strong yes for. >> He couldn't get off work. He's Yeah, he's uh. >> I don't think he wants to be called out. because he knows he's in the wrong by. not paying rent and not. >> Yeah, he's an adult. So, I mean, I don't. think he thinks that not paying rent is. really that big of a deal. >> Well, I think you're in love.

>> Well, yeah. >> So, you probably can't see much bad from. that side. >> Yeah. >> This is a mess. And then, okay, there's. the other kid. Very young kid. >> Six. >> Which also lines up with I mean, you. were. >> like you were up when this kid was born. >> Yeah. >> Wow. >> You were vibing with that. >> Well, she didn't know. >> It's okay. It's good now. You were. hiding that. Oh, for. >> you can hide that. Well, >> not well enough. Not well enough. No, he. thought he was.

>> He thought he was, but no, I. >> How long was it? >> Been a long time. >> Huh? >> Did it for a long time. >> Really? >> How'd you find out? >> I I found it a couple times. >> Couple times. >> over the years. And I'm glad you guys. did the intervention. I really am. >> But I I found it a couple times. And it. was Well, and it was because he wasn't. going to. And and I knew that because I. threatened I all I did was empty threats. which was enabling him. And I get that. >> We're kind of doing that here with. something that's not as bad. >> obviously, but.

>> I feel like we're kind of getting that. here. You guys are pushing more so him. to get her to move the up. But we're not. really actually. doing anything to achieve this. >> Well, now she has no choice but to. because we don't have a home. >> We don't have a home. >> Yeah. But you're living with your. mother. This is going to be it's it's. another situation where it's like we. could just do it comfortably. >> Yes and no. They're they're. >> Yes and no. >> They're they're different people. They. um. >> what. >> they're just kind of two-faced in a way. and they can be a little rude at times. and it's not something that we want to.

>> I think I think they can be challenging. but that's how parents are. I mean. >> cuz they don't want us living in their. home for. >> No, I get that. Yeah. We're invading. their space. I mean, granted, >> but see, that's how feel. Y'all should. feel the same to us. You know that y'all. are invading our space and y. >> Well, yeah, but y'all haven't made me. feel that way. >> I'm sure if y'all made me try, I guess, huh? >> Well, you're never home to tell me that. anyways. >> You're never home? No, >> I work a lot, man. >> He's not. >> Yeah, >> he works weird hours. >> to bring in I'm sorry. What was your.

again? On a monthly basis. No, you're. Yeah. What comes in on a monthly basis. before we set aside money for taxes, which we don't. >> What? >> Anywhere. I mean, if you went with the. thousand, which has been a while since. that's happened and hit a thousand, um, that'd be 4,000, but. >> I'm probably putting anywhere between 5. hours a week, roughly. Yeah. >> Okay. And crashing your tow truck, I'm. being told. >> I've done. >> once. Yeah. >> Yeah. >> Hang out with the uncle. There was no. drug problems with the uncle, right?

>> No. >> Okay, good. Good. >> But that was what I think you had. accidents actually. >> Well, the dump truck. >> Oh, the dump truck. >> The truck. >> Well, so I'm confused. 4,000 hits his. account on a monthly basis. >> Correct. >> Okay. What do you do, Amy? >> Um, I'm an office manager. >> Okay. What do you make? >> Um, I just currently got a raise, so I. make 82,000 a year. >> Damn. >> Why are we in a trailer? >> So, there's a long story behind that, but. >> I don't need that. But Little Rock is. not an expensive place. No.

>> So, we we um we purchased the 5 acres. right next to my parents. Um, >> sority up in their space anyway. >> And they were two. They were. >> two. I thought you said they're too. faced. >> They are, but they do love us. [laughter]. >> They're two faced, but they love it. >> It's my grandpa. My grandma is great. >> What's your grandpa doing being a. grandpa? >> It's just being a douche. >> The words that he uses and he likes to. piss somebody off. >> What's he saying to you? >> Uh, so he likes to stir the pot. >> He's weak. We, you know, we've been.

living with him. and the remote. He. couldn't find the remote. So, he texts. in the family group chat um asking and. everybody says no. And then what did he. say? >> He said he's not the only one living. there now. >> He just likes. now. I think she he is 68. >> But he doesn't act that way with me. >> But he doesn't and I don't think he. really I think she is just negative. towards it and took that as. >> because he's always negative. Yeah. >> Right. But I think you took that wrong.

I don't think that he meant anything by. it, but. >> he does like to start to start. He's not. the only one living there. >> Uh, so yeah. What hits your account per. month? >> 11.48 a week is what I make. >> Okay. Okay. Gross. Or net. >> net. >> Cool. Times 52 divided by 12. Average it. out. Cool. Just about $4,974. Very good. And then I also um so on top. of the 82,000 um we just started I'm one.

of two people that got put into a profit. sharing um at the company. >> Oh, you are. >> So I am one of two. >> Um so they were doing doing some. restructuring and for people that have. been there, I've been there for almost. 15 years and so they were doing it as. like an incentive or extra but this is. so new that I don't know. >> We won't use it for now. Beth, what do. you do? >> I am a uh teller at the bank and I make.

about 2500 a month. >> net. >> Mhm. >> Okay. Okay. What does the boyfriend do? You could move out on Little Rock with. that. It would be a little tight, but. you could. >> Yes. And uh he sprays for bugs. >> He Yeah, he's Yeah, it happens. I got. those people mosquito technician and he. makes about he just got his lowest. paycheck today and that was 700. >> Why? Cuz it's hours. >> Uh no. So he makes commission or hours. So low. >> or what's what's his average?

>> Uh we're not combined. So I really don't. know. >> Okay. What are we trying to do here? You've been with him for 4 years. What. are we trying to do? Cuz I want six. years. I'm trying to get you the out of. this house and actually start your life. And he really wants this to happen. Like. I don't know. Your dad does not want you. that. He wants you to come over. >> Yeah. He wants you to come over, but. that's it. Does not live there forever. >> Yeah, we've been talking, me and him, cuz we're trying we're trying to get a. trailer. We went and applied. >> All right. What is this trailer. obsession? Why Why are you Why are you. guys doing trailers? >> Hang on. So, as far as we go, when we.

bought the 5 acres, there were two. houses on the property. One was a. trailer, one was a house. They had Well, the it it's an older home. Um it's huge, but and it's five bedroomedroom, two. bath, two living upstairs. Okay, but. somebody was already in there renting. it. >> So, we already had a renter there. No. >> Then why aren't you guys there? >> There's so much work needed to be done. >> because the live there temporarily. >> Well, the renter destroyed it. >> Why are you trying to get a trailer? Is.

that on the same property? >> It it would be. >> So, you're lit. You're not really moving. out. You're just becoming a next door. neighbor essentially. What do you. >> I can deal with that. I can live with. the next door neighbor. >> Do you not want any independence or like. I'm so confused. Do you want to like go. live your life at all? Not really. >> I mean, because if not, >> it's good to get some life experience. and world experience. Yeah, you can go. home even if you live on the other side. of the city. I'm not saying move to. California, but like. >> I just like being close.

>> You can still Little Rock's not that. big, >> but why would you leave if you got your. rent paid for and all, you know? I mean, food. >> Well, I agree. I'm trying to get her to. so she can get some life experience and. learn some discipline. >> Yeah. I mean, we are we went and applied. for trailer loans. Um, >> already you and the boyfriend, you don't. even know what he makes. You can't even. tell me. >> No, but. >> that is true. I don't know what he. makes. That's Yeah, >> but he I know he makes significant more. than me. I know. >> So, he's out selling right now. >> I'm sorry. >> He's out selling right now.

>> Then we're calling him in the post show. >> Okay. >> He's a big part of this conversation. He. should be here. >> He's not even respecting your parents at. all. No, he's bought a few things. >> and he helps the house. Um, as far as. like. >> you guys like him living there. >> He's going to say no, but they're best. friends. >> They're not best friends, but we're tell. he's grown from a child to. >> a man, >> at least an older child. [laughter]. >> He's got Well, he's gotten better over.

the years. >> So, I can deal [clears throat] with him. And we we started out as a. >> because we felt he needed a better home, but that was when he was a kid, you. know. Why did you pull the like? Come. on. You pulled the step the stepsister. video on. [laughter]. >> You You totally did. You're like, "Oh, no stepbrother. I'm not wearing panties. right now." [laughter]. >> You'reing your stepbrother. >> No, >> they brought him in as a.

>> He wasn't his brother for a while. >> Okay. But that's because he was a bit. Yeah. >> You suck with money. So you download a. budgeting app. You start with the. classic one. Why? 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.

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at gamersubs.gg GG or click that link in. the description below. Type in code. Caleb. >> But that's because he was itty bitty and. he's been around since he was itty. bitty. But that's because. >> how itty bitty. >> like he was like what? Well, that if. it's 6 years he would have been one. >> Yeah, my son. Yeah. >> Our son. >> Wait, wait. Whoa. Who are we talking. about? >> Our son. >> Yeah, our son. Our son. >> My brother. Brother. >> WHEN WE STARTED DATING. >> YES, I heard that. No. No. No. No. So,

how long has this other person been. there? >> He has been there for. basically the whole six years that we've. been together. >> We were together for 4 months. >> So, you did you did pull this like step. brother thing. >> We were friends before he. >> friends. Friends? >> Yeah. >> Then he moved in and you started. sleeping with the guy that moved in. >> We were dating for months. >> We said friends. >> Well, yeah, we were friends and then we. started dating for 4 months and then he. moved in. >> and he's been with us since. And you. wanted to move in the guy she was dating.

at like 15, 16. >> Want to and it we didn't know. >> It kind of just happened. He stayed the. night one night and he went home and. then he stayed the night again and just. never left. >> But the kids home life was horrible. >> I mean, which I get that, but also just. dating your daughter, too. It wasn't. like. >> Yeah. It's like you're an adult, move. out, you know? >> I do agree with that. >> You know, >> you can't even tell me how much money. he's making yet. You're trying to get on. a loan with him right now for a trailer. >> I know he makes money. I just don't. know. But you just told me his last. paycheck was 700. >> and that's the lowest because it's when.

it rains but is the average eight. Like. I don't know and you can't give me a. number. I mean I know there's lots of. there's lots of drama and whatnot in. this house and this house is chaotic and. I you guys just got in a big fight over. um over you took money from the joint. account. >> and you gave it to your brother or her. brother. You gave it to her brother. >> He he does it with friends too. It's not. just my brother. So, she's trying to. manage the household finances and you. just take money out of there and just.

give it to people. >> Not only does he take money and give it. to other people, but he also takes money. and uses it for gambling, >> which I'm not saying that she doesn't. either. >> Addiction transfer. >> What the are you doing gambling? Why? What are you doing? What is this. gambling? What does it look like? >> It's online. The online gambling slot. machine. online. >> How much you spending on this? >> Way too much. >> How much? >> I honestly don't know. >> I don't know. I I don't know anything. about our finances. Really? That's. That's the bad thing. >> Wait, you like it, too? >> I do. >> Yeah.

>> Well, now we know why we're still in a. trailer. >> Just as bad or Well, I. >> I'm being told thousands a week. Now I. understand why we're making no progress. in life. >> Correct. >> Okay. >> I mean, this must be devastating to see. your parents do that. I would never. mind. >> Well, I It's Yes, it's thousands a week, but but some of that I mean, there are. winnings to it. I mean, I won I won. 60,000. Not even close to net though. >> Well, she did. Yeah, but if they're doing thousands a. week, net would still be negative. >> Yes, I agree. It's It's definitely.

>> on slots. It's one of the literal most. addictive things. >> It's probably the only reason I even. know about the financial situation. because she won the 60 grand. If she. wouldn't have won that, like I built a. budget for. Yeah, that was a year ago. But. >> wait, you got to double that cuz I'm. doing the same. >> I And he's not won 60. >> No, I didn't win. But he I think mine. right now there just like next to each. other just as. >> any down any down time. He'll be in the. bathroom playing it. >> What the.

>> Well, he has more downtime than me. So. >> how I thought you just said you work. like 80 hours a week, >> right? >> What? Where's the downtime? >> Well, he Okay. Well, when he works, he'll go to the gas station and he will. sit at either McDonald's or the gas No, not sometimes. this all the time and. he'll sit there in the bathroom for. hours. >> You will watch Life 360 and he will be. at the same location for an hour and a. half. >> gambling watching YouTube. I don't know.

what he's doing in there. He'll do the. same thing when he gets home. He'll sit. in the bathroom for 4 hours when the. tree came through the house. He was on. the pot. >> That would make me think drugs. >> No. >> No. I think it's the gambling. That's how you trade one one addiction. for the other, right? >> So, this is why Beth thinks you don't. want to be around them. >> No. >> Correct. >> Well, maybe. >> I do, too. I mean, we feel that way. That's how. >> I want to be around them. >> No, I I I don't. >> I don't think he does.

>> I don't s responsibility in life. Like, he has little, you know, >> I didn't have little responsibility. >> Little responsibility. The only thing he. has to do is get my son on the bus in. the morning. And I lay everything out. I. have his lunch ready to go. I have his. backpack to get responsible. I. >> His clothes are laid out. You literally. have to get him dressed and on the bus. That's it. >> Okay, >> that's it. That's little to no. responsibility. You don't cook. You. don't clean. You don't take care of the. bills. You don't take care of.

>> anything. I understand that I cook, but. it'd be nice to have a break every now. and again. >> He did something. He slept and she came. behind him. >> Yeah. Thank you. >> Okay. When I try [laughter]. >> I've tried to take responsibility quote. unquote. >> from her so she could have a lesser. amount of responsibility and she doesn't. want to give it up. >> She is. >> or she gives it up and then she comes. right behind me and I didn't do it. right. So, >> well, he didn't know that. So, thanks. >> Well, it was funny. I had to throw it in. there. >> You have sex with your stepbrother.

>> [laughter]. >> on. >> But it. yes, she's very not not controlling, but. she does like I know my position. >> Yeah, but every time there is an. onboarding call, you were too busy. >> to join any of them. >> That's right. >> He thought he had nothing important to. say. >> How that's for us to determine. >> Yeah. >> Like as far as financial stuff, I have. no clue. like like I don't know it's a. problem until she calls me and says, "Hey, don't spend any money on this.

account or don't.". >> Well, why don't you just tell him he's. not allowed to go gift other money to. people. So, what is this that I want to. get back to that? What is that? What is. happening? >> So, my Well, my brother also has a. gambling addiction. >> He's the one that showed it. >> Is he in a trailer on the property? >> No, [laughter] he's in. >> No, he might as well be. Yeah, he he's. in a um. >> he's the one that showed. >> family home, so he pays little to no. rent, but he also got like truck. repossessed.

>> Her parents her family owns a lot. >> He's the one who got my husband. initially onto the gambling app. Um. >> what is the app? >> I don't know if you need to. >> I don't know. I'm getting thumbs up in. the back. >> And it started probably about three. three and a half years ago when that. happened. Well, where I'm going with it. as far as going back to my brother and. the money lending, he spends all his. money on gambling or whatever. >> Well, living at home basically with the. parents on their property. >> He pays he.

lives at home. >> This is a family of losers. I'm sorry. Right. You're a loser. You're a loser. Kind you work, but you sit in the You. don't even interact with your family. His brother's a loser. Your grandpa's a. loser. And you delegate like a loser. You don't delegate. And then you. complain about not delegating. >> And I know I'm an enable. >> No, you don't delegate. And then you. complain about how no one does anything. after you don't delegate. Cuz you. complain about delegating. >> I don't delegate because if IT'S NOT.

DONE, RIGHT? >> NO, cuz if I delegate, I've delegated to. for him to take the trash out and he. won't do it. It'll sit for a day. Why. don't you take whenever I when I say I. want something and I delegate, I want it. done right then, not. >> Well, that's not how everything works. I. mean, if you say, "Hey, can you take out. the trash?". >> I can do it myself. >> Okay. Well, then that's fair because you. don't get to just demand something's. done in the second. >> Yeah. >> Like, I agree. Don't take a whole day, but hey, can you take out the trash this. afternoon or this afternoon? >> No. No. No. So, I asked him to do the.

floors for me. It took him three days. It doesn't matter. It took him three. days. We were sitting there walking on. dog hair for three days. >> And then I came home from work and did. it. [snorts] And then I came behind you and. >> and redid it. >> Yeah, redid it. I was laughing. She was. just. >> Okay. So, how much has he given to the. brother? >> Not a lot. It's just. >> It was a big fight that came from this. inconvenient time. Tell her ahead of. time. >> Tell me what happened. >> Yeah. >> Tell me what happened. >> So, I saw that there was money given to.

my brother through our account because. he will cash app it to him. >> I've been told not to do it. And I had. >> So, how am I supposed to say no to the. brother-in-law, you know, cuz we're. friends. I practically. >> without being a dick. >> beg him. >> you can't. >> I beg him. >> to not give my brother and his friend. money and he does it anyway so what is. the point of me. >> he does pay it back. >> but he 3 weeks later. >> and by that time we need it.

>> way soon. >> which is why I've. >> and and the problem is I don't know our. finances so I don't know what position. >> but if I ask you not to do it repeatedly. have asked you not to do it repeatedly. begged you not to do it and the very. next day you're doing it. So why that's. just a battle I'm never going to win. >> What's a. >> I just can't be a dick. >> I I know you're not walking out the. door, but god pretend 100% is you're. you're walking out tomorrow. 0% is you. would never even consider walking out. >> Give me where you're at.

>> Uh 100% I'm not walking out. >> So 0%. >> 0%. >> Really? So you would be willing to put. up with any of this forever for the rest. of your life? Not a single, not even 1%. >> Yeah, I'm zero. >> Well, I wouldn't do it. >> That's crazy, man. >> What do you mean you are? What do you. What do you mean? >> Oh, you mean? Huh? >> No, I'm saying everything that's going. now. I'm not going back to what was. happening in the past. I mean, >> I mean, I love him. He's the the father. of my children. >> Yeah, but you also just had to open up.

another bank account so we couldn't have. access to it. >> That's not screaming trust. That's not. screaming bond for life. That's crazy. Your daughter. knows more more about the household's. finances than he does. >> That is true. But he's not there. And I. have tried. >> And yet you're not even considering 1%. >> Because I have tried to go over finances. with him a few. >> And yet you're at 0%. >> Better be at 0%. [laughter]. >> Really? >> Well, I don't want my life. Yeah.

>> I agree. I'm not saying should be at. 100%, but there's a lot in between. there. 0% crazy with someone who's never there. >> Well, when the when the drugs were in. place, yes, I was there. >> She was at I understand that, but he's. never there. You have a young kid. Young. kid. >> I Yeah, it is difficult. >> Young kid, I would want you to be there. >> And I try I try and get there anytime to. get there. >> Yeah. When I'm not working. >> The other day, uh, perfect example. the. other day he was um going to be going 45.

minutes away and back and. uh my son and I were sitting there and I. was like, "Hey, it's Friday night. You. know, when dad goes back to the shop. when he's got to go make the run, we'll. just go with them." Cuz it was like 7:00. Friday night. We could spend some time. together since they don't spend a lot of. time together. We as a family don't. And. I was like, "Well, when your your when. your dad calls me, because he was. supposed to, we'll go ride with him.".

That phone call never came. >> Why? >> And then I called him. >> and he was already at the location. So, it was to me it was an ample opportunity. for us to spend time together when we. haven't been able to. And. >> yeah, that kind of hurt. >> I thought I could get done and enough. time to be home and spend some time and. it didn't work out that way. So, I. should have gone. There's. little Well, he doesn't he doesn't. answer his phone. >> I'm bad about not making his phone will. die. We won't know where he's at. >> Um,

>> is this not all extra extra sketchy with. spending like an hour and a half in a. McDonald's, spending four hours at home. in the bathroom and phone dying all the. time? >> Dude, that's a sweet sketchy. >> I think that he traded one addiction for. the other. >> Probably a lot of time on the phone. >> Probably. >> Well, he watches YouTube videos. Oh my. gosh, it's so bad. It's so He plays it. at full volume and he'll sit there and. laugh. >> Oh, you're like an immigrant. >> So loud. >> I am immature when it comes to. >> Oh, very much so. >> Yeah, when it comes to the videos. >> Yeah. I just wish some of that of time.

of videos and gambling were put towards. us as opposed to that. >> Yes. And why aren't you? She has. expressed this. I assume. >> I have there's there's I have a shop too. on the property like and I spend a lot. of time in the shop doing things. >> How about you just try to spend a little. bit with the family? I'm not saying. every ounce of every day, every second, >> but also every time they bring up any. issues, if she complains, if he. complains or everything, you're you. immediately just get defensive and say. that they're calling you a bad mom as. well. So, it's not just all on him.

You're immediately defensive. You shut. people down and you go at it. I'm being. told from the pre-in phone calls. >> So, you bring up complaints and she just. shuts you down with you're calling me a. bad mom. >> It's not. She does hear me out, but she. tries to spin it as if I'm calling out. her person, her character. We're in a. situ. We were in a trailer that had, you. know, not the best living situation. And. due to that, she thought that I was. calling her a bed mom. I'm not. >> Well, because the situation because. there's. >> the way it made me feel. >> It was the comments that were made about.

the home. And it's like, well, if I. could change that situation, I would. And I get it. I know the gambling. We. maybe maybe we weren't. >> going to be in the situation or could be. out of the situation. Um, but it was the. words that that made me feel like I'm a. bad mom. >> I I'm just so confused why we even need. to live there. The median home sales. price in Little Rock as of February of. this year, so last month, $247,000.

Your guys' income is incredible. You. could totally qualify for something. reasonable. The median sales price. >> Our plan was buying property and. building our. >> forever. Why do we have to do that? Why. do we have to do that when we're already. in Well, okay. >> Well, we own [clears throat] the. property now, right? >> So, >> okay. And it's five acres, right? We're. going to build and we love this. property. >> It's right next door to her parents. >> So, so I inherit once my grandparents. pass away, I inherit that five acres. that my grandparents are. >> Oh, you're creaming for that, I guess. I.

don't know. Like what? >> I was just saying they'll be on the. property right next to me. So, it would. be nice to have our family just right. there together. It It's not, >> you know, you can be down the street. I. grew up like a 5-minute drive from my. grandparents and it still felt like we. were close. It's fine. >> I know. >> Okay. Like you're allowed to. Okay. You're never going to leave. You're. never going to have any. No. I mean, this is as clear as day. She's really. not going to. I really don't think so. >> Life is so short. >> See that? You see that? >> I'm okay with her being close to me. I. >> close different.

>> She's never going to learn any skills. >> No, I definitely don't. I told her, I said, cuz my little. brother, I know nothing about money. Once I was able to, you know, go out on. my own and deal with money. I had no. idea what I was doing. And so I was. trying to tell her, "Hey, my little. brother's young. Try and teach him while. you can.". >> Which one? Little stepbrother or little. brother? >> Little brother. >> Okay. >> Which is true. If she wanted something, she got it. >> I was definitely.

>> She never did without. So if she wanted. it, she got it. So the whole enabler. thing goes all the way down. >> Okay, I got to get into these numbers. because we're we're going to be here for. a thousand years. What do we think this. household financial situation score? Actually, what do you think your. financial score is? 0 to 10. Zero being. the absolute best. Zero being the. absolute worst, 10 being the absolute. best. Just you. >> like a two. >> And what do you guys think your. household is? >> 67 maybe. >> Let's kill him. Let's kill this guy. Let's beat him to death with hammers. >> Okay.

>> Okay. [snorts] Uh, >> but I also do have to mention because of. the ignorance with uh financials, I also. did accidentally open up a credit card. at the beginning of the. >> accidentally. >> I did. I was trying. >> accidentally. What the are you talking. about? >> So I I was looking at pre-qualified. cards and I was trying to see what the. limit they would give me. >> and so then she got one. >> So then I clicked on. >> I tried to get the limit of Oh my. goodness. >> Are you talking about the most recent. >> not a child? Yeah, she did that because.

somebody told her, now listen, somebody. told her, not me, >> somebody told her that if she were to. open another credit card the and. >> it would help out my credit balance a. little bit better. >> It would up her credit score by getting. more credit. So that's why she did it. >> I was looking. I wasn't actually going. to do it just now. I was just trying to. look. >> She did. She accidentally did. Go your. hammer financial score. Get it for free. at caleb.com. It's free and it only. takes a few minutes to see where you. stand in the world of money, where.

you're doing poorly and where you're. doing great. And if you don't want to be. like the guests that end up on the show, if you want to actually fix your money. like tens of thousands of monthly active. users are, you got to download the. Dollarise budgeting app. You can go to. the website dollar.com or download link. in the description below. Most people. take the free trial. They love it. They. sign up for the annual version cuz it. saves 50%. And when you do, you get my. 30-day detailed meal plan so that you. can no longer complain about not being. able to afford doing meal plans and. making meal plans and having snacks and. drinks because we make all your snacks. and drinks and multiple meals, all your.

meals for the day right here and I'll. sign it like I did this one and I'll. mail it directly to you. So you guys. have this. So teach the especially you. you'll have a detailed meal plan in. there. Okay. >> I can't cook. I mean, no, I can. >> There you go. >> I mean, this is as easy as ever, man. It. really is. Really is. You can keep that. on the table if you want. >> Okay. Your lo your signature looks like. the Chick-fil-A logo. >> I I have [laughter] heard that. >> I would. >> Yeah. >> Oh, I'm going to need who to know who Oh.

my. >> me. Are you kidding me? >> And I do know that first one is mine cuz. >> Well, that's what I was going to ask. Okay, so this is Beth's. capital. one quicks. What is going on here? Oh my We're spending so much. money. Spending way more money than. you're putting towards it. >> And I'm also putting a ton towards it. >> You're basically maxed out. Yeah, but it. doesn't matter when you replenish it. You're just offsetting it. You didn't. actually make any progress. You didn't.

make any progress. $4,863.39. How does that make you feel when you. hear that? Your daughter, 21-year-old, not even moving out, has every blessing. in the world with no actual overhead. cost in her life. has a maxed out 5,000. hour credit card with 167 hours a month. as a minimum monthly payment. She only. does minimums and doesn't purchase which. she's incapable of both. It takes 21. years for her to pay this off. She will. be 42 years old. 42 years old and then. maybe she'll finally get her ass out of. the house. >> This is what I tried to prevent from.

happening. I. >> And how did you do that? >> When she got her first credit card with. this one, I told her I said, "This is. how it works." That was it. That's all. you did is said credit card. >> This is how this how it works. Well, her. limit how to budget. >> Well, her limit's gone up. >> Okay. Well, if you actually taught her. how it worked and taught her how to. budget and taught her how to make the. payments off the balance every single. month, it wouldn't matter if the balance. went up or the limit. >> The the credit limit, right? I did tell.

her I said if you put something on it, pay it off. It's going to help build. your credit. So, the whole point in her. getting it was so that she could use it. and put gas on it a couple times through. the month, pay it off, you know, before. the due date. I did tell her that that's. what she needs to do cuz clearly I'm in. a situation where I can advise her on. what not to do. >> Okay. She didn't listen. >> I don't I think I did really good with. it at first, of course, as everybody. does. And then I there was a raccoon.

that fell out of the tree behind the. house and we kind of took it in and kept. it for a couple months. >> and then my dog got pregnant so she was. expensive. >> Why was your dog pregnant? Why was your. dog not fixed? You freak. >> Well, I was trying to wait. >> The first thing you're supposed to do. >> Well, she's a purebred Rottweiler and I. was trying to wait until her growth. plates were done growing and then get. her fixed. >> But my boyfriend's dog is also not. fixed. So, >> we'll fix that one. Obviously, the balls. are easy. Oh, he's too old now.

>> He was too old then? >> Yes. >> How old? >> Uh, seven, eight. >> Okay. I don't know. >> So, they she got pregnant and the. puppies were expensive. I probably spent. about 3,000 just on the. >> Where did they go? >> They all Well, we kept one, but the. other ones they went to their homes. >> Are you guys happy in this house? >> No. >> This is insane. >> No, it's crazy. That's crazy. >> I would lock myself in the bathroom. >> Yeah. Thank you. >> And go to the workshop. I mean, this. place is this place sounds insane.

>> It It definitely is. I won't disagree. with it, but. >> Well, you're the one doing it. >> Yeah. >> Get you out. >> You know what I mean? I said, "Then. throw a six-year-old on top of that.". >> Yeah. >> But the puppies were a lot. And then I. got two ferrets, which I definitely. shouldn't have done. >> Yeah, they were $300 and $400 each. >> You have You have $120 of interest. occurring on this in a monthly basis, and it's all It's all. Walmart. Walmart. Amazon. Amazon. Amazon. Amazon. Academy Sports.

PCO. I mean, that's okay, but it's. insanely expensive. And to put it on a. credit card that acrews interest that we. can't pay off is dumb. >> That one. >> 244. >> Okay. I think that was. >> Yeah, that's how much she spends. >> That was a cage. That was a cage. >> But even still, you got to get food and. on top of it. I know that. Apple. bill, Amazon, Amazon, Apple, Netflix, Sonic, Sonic, Mastermind Escape, $61. Amazon. This is all Going in. getting some Smoke Palace. >> Yeah, I do have a vaping addiction. >> Why? Why do you want everything to be.

the worst in life that you can possibly. do? Like, what? Why? Why do you just. want everything to be the actual worst? I really don't understand. >> I don't even know how I started vaping. I started vaping when I was like 15, >> 16, something. >> Where were you guys? Where the were you guys? >> They were very uh lenient with me. I had. I. >> with vaping. >> Well, no. Just letting me go out and do. what I wanted to do. >> All right. Every business owner I talk.

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netswuite.com/hammer. The guide is free to you at. netsweet.com/hammer. Again, that's netsweet.com/hammer. Now, back to the show. Raise your hand. if you've been putting off a dentist. appointment, a yearly checkup, or. honestly any doctor visit. Yeah, same. here. When something feels off, I. usually doom scroll my symptoms, convince myself I have something rare, take three vitamins, and then just hope. it magically fixes itself. But that's. exactly why I like today's sponsor, Zakdoc. Zakdoc is a free app and website. that helps you find and book highquality.

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people do it, but I don't I think we. still make sure they don't vape. >> Well, she was also I think she used it. as kind of an escapegoat a little bit. because she was going through therapy. and stuff and so, you know, maybe it was. maybe maybe it was, you know, her way to. chill and relax and, you know, instead. of, >> you know, I I. >> I don't do anything else though. Yeah, I. was going to say instead of smoking.

weed. >> It's expensive though. >> I can't smoke weed. And then on top of. that, she'll ask me for like gas money. and stuff. because she's maxed out and she needs. money on vapes. >> So, seven brew coffee. Arby's having seven. brew coffee. Microsoft Realms Plus. >> She's. >> Microsoft Realms. Oh, that's Minecraft. >> It is Minecraft. I think I can't. >> vaping in Minecraft then. No. Oh no. Sonic, Amazon, Amazon. Amazon. Amazon.

Amazon. Andy's ice cream. Amazon. Amazon. Amazon. Smoke palace. Amazon. Uh, you got premium. No. No. Prime time. I don't even know what that. is. >> She's got an energy drink. >> Sonic. Chick-fil-A. >> addiction. >> You do too. >> Bad. Red Bull. >> Bro, I'm ser. Okay, this one's CHUG JUICE. >> MAKE IT AT HOME. [screaming]. IT TASTES BETTER THAN YOUR ENERGY drink. Anyway, cuz every guest has. confirmed that once they've tried it. >> I was drinking two. Well, Monster is.

where she started. Now, >> you can do as many as you want. Day. There's 100 servings in there. It is 40. cents a serving. >> That's awesome. >> I was doing two Monsters a day. >> There you go. And then I started having. two scoops a day. >> She was having heart problems. >> Okay. Well, you're doing one scoop a. day. >> Yeah. >> Smoke palace, Amazon, Chick-fil-A, Amazon, McDonald's, CJ Maxx. It's all. >> Your max credit card for. >> A lot of that Amazon pay rent. You're. just spending on Yeah. Give me. your phone. >> $227 in interest acrewing.

>> Which. this is everybody's Amazon. Oh, well, we. use one account. >> Okay. Well, you have a ton on your. credit card alone. First of all, let's. see in here. >> Okay. Apple Music Gro My Fitness Pal. Twitch subscription. Um, okay. Hey, well, you had our thank you tier, which. is kind of stupid cuz the Hammer Elites. are the best one on YouTube. >> I did do that for a little premium. >> Well, no, you still have it now, but I. would just rather get elite cuz it's. better value.

>> So many more shows. [snorts]. >> Well, are you looking up subscriptions? >> Mhm. >> Well, I pay the subscriptions. >> She pays me for them, but they're on. that credit card. >> That's so But she doesn't use the money. Well, she doesn't use the money that I. give her to pay on her credit card. She. uses it for other expenses. >> Not using the money, right? Okay. Pants. Uh 12 in subwoofer. >> Oh yeah. >> Yeah. I love my subs, but they're broken. right now. >> Bro, you're getting this while. maxing out your credit card. City. passenger airplane. I'm going to assume.

that's for the kid. >> Yes. >> Oh my gosh. And other 12 in subwoofer. >> Seamless sports bra. More flight things. Endless no show seamless thongs. >> What? >> Um. [snorts]. >> I don't know if those are yours or mine. >> Probably hers. [laughter] Mom, I think. those are hers. >> You go. >> This is just insane. You just spend so. much money. I don't get it. >> To not pay rent. >> To not pay rent. Okay. Whose Capital One.

Quicksilver is this? >> Oh goodness. >> $2,952.60. >> I believe that's his. Oh, >> I think it originally started as a. Walmart card and then Capital One took. it over. >> All right. Well, father like daughter 2,900. [laughter]. >> Huh? >> I don't know. Then any cards that are in. my name aren't mine. >> What? >> They're his. >> Who is this then? Oh, but it's in his name. >> It's in his name.

>> What the is wrong with you, dude? Again, like you you you only make the minimum. payment, yet you're purchasing on it. while it's acrewing interest. $96 a. month, $2,952.60. Takes 15 years to pay off. Your youngest. will be out of high school. >> It will be 80. >> It's over maxed out. It's over maxed out. on your credit. She has an over max. I. thought he was the bad one for taking. money from your account. But you go from. his credit and over max out a card. >> Hang on. >> Now I understand why we don't trust. anyone in this house.

>> Okay. >> But here's the thing. I have to get. credit because he spends from the. checking account. >> So it's my fault. >> I'm not saying it's all your fault. No, it's my fault. I don't think anyone. takes accountability in this household. >> for anything. >> No argument on the side, I guess. [laughter]. >> Okay. What is credit fresh line of. credit? >> Okay. >> 4,500. No, there's 2,000 and then. $2,500. >> Yes. >> What What is this? >> So, uh, probably a month ago. is when So, so it's a line of credit.

>> Yeah. >> And I was closed. So when I won the. 60,000, right, I didn't say closed, it. was paid off. >> It was paid off. >> So I I paid all of the line of credit. and personal loans that we had. And then. um. >> this accumulated in a year, the. accumulated the stack, >> you paid off all the debt with your not. all of the debt. No, no, this is the. line of credits for for the credit. fresh. Um, those were paid off and about. a month ago, um, I used and started.

going back down to. >> Why? What'd you pull the line of credit. for? >> The gambling. >> Oh, for sake. Okay. There's no person. There's no good guy in this story. It's. not all his fault. It's not all her. fault. It's your fault, too. You're. pulling 4500 in a month for gambling. >> and to help cover bills because of the. gambling. [snorts and clears throat].

>> What the are we doing, guys? >> Apparently gambling. >> What's your minimum monthly payment on. this? >> Monthly, um, both are $220. each, so $440 [snorts] a month. sake. This is insane. What is your thoughts on this? Seeing. this, this is insane. >> Oh, when I found out that she opened the. credit lines, I was extremely. disappointed. >> Oh, wow. Disappointed. Okay.

>> Cuz I thought that all the lines of. credit, all the personal loans and all. that were paid off and closed. >> Yeah. But now you're doing it again. That's even worse. and and I made the. promise that I wasn't going to do it. again, that I wasn't going to get us. back into a. >> So, when she won the 60,000, I sat down. and I made a whole checklist of credit. cards, lines of credit, uh, personal. loans of payoff, like which ones to pay. off. >> Your daughter's doing this for you, by. the way. >> She's the reason we're here, you know? I. mean, she's her idea.

>> I asked her to help me. I actually asked. my husband to help me, but. >> Well, he's not there. >> Well, also, whenever to help me, but he didn't have. the time. So, and I wanted somebody to. help. >> Even if I did have the time, I would it. wouldn't matter cuz she's going to take. it all over and do it all herself. anyway, >> which is. >> Is that what happened here? >> I mean, she got the personal loans and. the lines of credit paid off, but. >> And a couple credit cards. >> A couple credit cards. She had, I think, 16 to start.

>> 14. >> 14 to start. >> Okay. But it's getting worse again. Well, now I have 12 credit cards and uh. two lines of credit. >> Now, there was a period of time, well, to her defense that I went without a job. because of the wreck that I had, they. didn't have a vehicle for me to drive. and so I was down for two months, I. guess, >> a month and a half. Um, recent, that was. back in October. But prior to that, there have been stints. There's been. longer stints than that where he hasn't.

had a job. We're not going back started. going down two years ago. Downhill two. years ago, right? >> Mhm. >> Is that what Can we all agree on that? >> Mhm. >> Yeah. >> What started two years ago? >> Uh. >> the gambling started 2 years ago. >> That Yeah. >> If you're doing thousands a month, we're. reopening lines of credit after you made. progress and now we're getting worse. again. It's the gambling, guys. What the. is wrong with you? You have a. six-year-old. >> Mhm. >> This is disgusting. You don't have the.

option to gamble. They have selfbanning, right? You need to selfban yourself from. these apps, right? Isn't that something. you can request? >> I don't know. I I don't know. >> if I'm not mistaken. I think it is. There we go. I'm getting head nods. Yes. You need to request that you are banned. from these apps. You cannot control. yourselves. >> That's true. Cuz I have deleted the app. a few times and then come back. >> That does nothing. You need to request a. ban. You can't control yourself. >> You have a six-year-old. >> and you have a failure of a daughter. >> Okay. Oh, come on. I feel like, [laughter].

yeah, you can love her, but she's a. failure. You're not doing anything with. your life and your stepbrother. You're. doing nothing. [laughter]. Everything's a joke. You're living a. home even though you don't like it. This. is it's it's it's pathetic. >> Yeah, >> it's pathetic. NOTHING IS GOING WELL. YOU guys make way too much money to be. in this situation, which is even worse. than making no money and being. struggling. You guys make six over six. figures a year, >> easily. 120 to $130,000 a year. >> and yet you live on a trailer on a.

property that you now own but can't do. anything with and it just broke and now. you live with your parents and your. daughter's a failure and who knows what. the six-year-old is going to look like. This is a disgusting disaster. WAKE UP. sake. >> I haven't gambled since Saturday. >> Oh my god. [laughter] It hasn't even. been a week yet. God, goodness gracious. >> I'm just saying I I can All I'm saying, >> bro, it's cuz you literally just got. kicked out and moved into another house. >> But I'm just saying you're out of the.

routine. >> That just means that I can do it, >> you know? >> Well, yeah. Anybody can do anything. It. just depends on how long. >> No, not when it comes to addiction and. stuff. Some people just can't walk away. from you can stop, >> bro. It's been days. Shut the. It hasn't even been a full week. >> I'll get you the mine card. Formerly the. Fizz card. It's a debit card that builds. credit because obviously you can't. manage credit cards where You can. only spend what's in your checking. account. It's very good. Use that. I'll. also get you a course career. certification or whatever you want. A. lot of people in the audience have taken. those and gotten six figure jobs. So,

you do that and get the OUT. WHAT A. MESS. What a mess, guys. [clears throat]. My gosh. So, what what was spent? Let's. see. No, wait. No, this is something. new. Oh, it was just out of order. On. your quicksilver that we just saw before. on Nyx that is spent by you that you. overm max out with $1,000 of interest. Also, Titan. >> Dian I don't know. You tell me what the. this is. >> What? What? >> What is this? What are you spending 75. bucks on?

>> Wow. >> Uh. >> where is it? >> We don't even know what it is. >> No, that's gambling. >> Oh, >> on a credit card. On a credit card. You. m you overm maxed out his credit card. for your gambling. Oh. >> rarity that I that I only done that like. maybe two or three times. >> really. >> on the credit card. >> We plugged your into the dollar. wise budgeting app. >> Mhm. >> Yeah. $5,598.

in gambling. >> Oh, in a month. Uh. >> a lot of money. >> Jesus Christ. I knew it was a lot. I I. knew that I And it's But it's not all. me. >> I know. I know. >> We plugged all your numbers into. Dollarise and your categories are. >> they're. >> Well, if the gambling stops then and. which it is. >> almost $1,000 going out to eat.

>> Dollar saw you doing $1,000 out to eat. >> just about. >> a month. Is that a month? >> That seems hype. >> Well, does that does that include like. gas station purchases or is that just. like fast food? >> That's just fast food. >> This is why you got to plug your guys'. into dollar wise. It'll. automatically just tell you where. everything is going and you will have. the biggest wakeup call. >> What a lot of money, >> guys. You don't even understand how. disastrous this is. >> You should be living the best lives. The.

best lives in Little Rock. The median. home price in Little Rock, what was. that? 247. The United States is over. 400. Do you guys realize how. >> Well, it's cuz you live in Little Rock, but I mean, if you're going to live. somewhere like Little Rock, take. advantage of how cheap it is to live in. Little Rock, >> right? >> Yeah. We have to see how this comes back. to gambling somehow, but. >> it it won't. see. You didn't know that for the.

Capital One, which was his card anyway. >> $2,831.88, 88, which is insane. $103 minimum. monthly payment. What the are we doing? Takes 14 years to pay off. What the. >> at a 33.49%. interest rate. >> It's the highest interest rate on all. the credit cards, >> I would say. So, she had a late fee last. year. >> What? On what? >> Oh, that's interesting. On this card. >> on J C Penney. >> On J C Penney.

>> That's surprising. I didn't know that. >> Is it? It's either you were late or you. didn't have enough money in your. checking account when it attempted a. pull. >> Nothing's on auto. >> Well, nothing's on autopay. So, >> well, even if you paid and it didn't. have enough, it would bounce and you. would. >> get return transaction fee. But there. was one last year. >> Oh, I I try not to. I mean, I. >> Well, that's good. [laughter] You didn't. even know what happened. >> Well, I have a calendar and on my. calendar, I know when the bills are. coming. >> How'd that work?

Well, apparently I not at all. >> But see, if you would let me if you. would kind delegate some of that, it. would u probably help you remember. >> She would still check it to make sure. that you did it. >> $1,100 in interest in a year, >> man. >> Okay. Who's the Capital One Platinum of. $2,521? >> We have five Capital One cards. >> Platinum. >> So, I don't know. World. >> So, we're authorized on each of our. good. I don't know which one's his and.

which one's mine. One of them's um he's. got two capital ones. >> You might know the balance, but $2,52164. cents, minimum monthly payment of 82. bucks, 15 years to pay off interest. acrewing. >> Oh, it's over maxed out. It's over. That's why it's not spent ON IT. SO THE. LIMIT. >> So what I do, >> okay, this is it's on his credit, I'm. being told. >> Okay. So what I do is I will pay the. minimum and then before the statement.

hits I'll. [sighs and gasps]. >> YO WHAT YO WHAT. >> if we need gas. >> Why do you need money? Why does a. household in Little Rock, Arkansas. making $130,000 a year need gas money? >> Gambling. >> Exactly. Wake the up. Capital One. Quicksilver 2273. Who is this? Is it the third. Quicksilver? I bet it's on yours, Amy.

>> It's either me or him. [sighs]. >> $2,273.32. Minimum monthly payment $73. Purchasing. additional cash advance is $46.36. I. don't know what that is. >> Well, I'll tell you what the it is right. now. $19. What was it? What was it? What. was it? Let's find out. KTM. What's. that? >> KTM. >> What's KTM? >> What's KDM? >> Gambling. >> Really? >> You're cash advancing from a credit card.

gambling. >> But I didn't know they did cash advance. like that. I didn't know they did found. out. >> I did now because I didn't. >> And you got a $10 fee just for that. You. didn't for $46. You paid an additional. 10. And now it's accuring interest on. that plus the 10. Andrew went in the gas. station. You got some. fees, interest, disaster. >> I didn't know they did cash advance like. credit card. >> I did cuz you did it.

>> But I I Capital One quick silver. >> Sick. How many do we have? >> $2,36.77. 13 years to pay off. Minimum monthly. payment $66. $52.16 of purchases. $46 OF. INTEREST ACREWING. $36 over the limit. What? You have a vacation planned soon? You can't afford to go anywhere. What's. your vacation? >> Better not be to Oklahoma City. >> Vegas or whole world?

>> We're No, we're going with my parents. and my whole family to Dolphin Island. But it's not. >> Where is this in Alabama? >> It's beautiful. >> But it's not booked yet. I mean, but we. all share on the. >> Dolphin Island to Redneck River. >> Yeah, Dolphin Island. >> It's beautiful. >> Oh, it's beautiful. We've been there. >> It's great. >> We went there. >> I'm not going. in Florida. >> No, it's not in Florida. It's in. Alabama. >> Is it nicer than Florida? >> Oh, nice. Yes,

>> it's right there. Then just go to. Florida. >> It's nicer than like Miami Beach or. Clear Water. >> Okay. Well, less people, but it's nicer. >> But it only takes like 8 hours to get. there. So, >> Oh, road trip. Okay. >> It's closer. And we share the cost of. everything. So. >> you do that other places, too. But okay. Ultra OG Ultra OG Ecom Solutions East. $526. >> Jesus, >> it's [snorts] just over the limit. [clears throat]. >> Why do you actually even want to be.

close to this? You know, the people you. surround yourself with are often. >> Well, I didn't know it was this bad. >> I I knew it was bad. I told you this. bad. So, the reason why I do it or did. it was because the way that it works is. >> How clear is the water in Alabama? >> It's not. >> Exactly. It's on the golf. The water's. never clear. >> No, but the the the beaches are nice. >> in other Capital One Quicksilver. The. literal fourth Capital One Quicksilver.

Fifth Fifth Capital One Quicksilver. >> Yeah, we have. >> Well, yeah, but one's hurt, so there. must be another one coming. $1,765.86. 86 cents with a $58 minimum to payment. It's over maxed out. It's over the. limit, guys. It's over the limit. >> Not by a lot. >> You're the one saying you managed the. household and was taking victim complex. the first half of this conversation, but. you're the one gambling. This is your. card. Gambling to over the limit on. everything. You're managing the. household. No, you're destroying the. house. You're destroying the house. I.

don't care if he doesn't take out the. trash. You're obliterating the finances. of this house. You're going to. bankruptcy. You're going to the end of. this house and marriage and survival. >> Maybe. >> Maybe. Are these numbers not screaming. loud enough for you? What the. >> I mean, it's not going to because the. gambling has stopped. So, >> SINCE A COUPLE [screaming] DAYS AGO. WHAT? WHAT [snorts and laughter] ARE YOU. TALKING ABOUT? HOW ARE YOU GOING TO.

GASLIGHT ME WITH THAT OH, OFF. OFF. DON'T EVER SAY the gambling. has stopped again. >> It will. [laughter] It It is. It It has. since Saturday. Since Saturday. >> Yeah. Since Saturday. >> ALMOST A WEEK. [screaming]. >> SHUT UP. >> I don't feel so bad. >> Well, shut up. >> Here's the thing. I We're homeless, so. of course. Yeah. I can't. >> You're living with your parents. >> Shut the up. I'm homeless.

[clears throat]. >> City Simplicity. Who's this? me. >> What are we going to see here? Oh, over. maxed out. That's curious. >> Not by much, though. >> Oh, that doesn't Shut the up by. much. What do you mean by much? How much. >> I make another minimum of. >> Yeah. Before you purchase it on it cuz. you made a $50 minimum monthly payment. and then you purchase $82.66. So, I don't give a if you make a minimum. $1,219. 21 is the balance. >> if I make a minimum and not use it,

>> which you're incapable of. So, I don't. give a And even if you make a. minimum and don't use it, it takes eight. years to pay off. Eight years. That's. the shortest payoff, by the way, we've. had so far. >> It's cuz the balance is lower. >> Yes. >> Yeah. >> With a $509 [laughter]. minimum monthly payment. Wingstop. Critical, huh? CRITICAL. WE COULDN'T. SURVIVE WITHOUT WINGSTOP. >> I don't even remember. >> Couldn't survive without going in and. getting some.

interest acrewing high interest rate. >> Okay. Nick credit card. Chase credit. card. $1,000. She says she doesn't know. how to log in. >> I Well, it they they Yeah. Right. I just make you call to pay. >> I call to pay. >> Oh, why do we live our life in such an. overly complex? >> Well, because the card so much mental. energy the card is in his name. He would. have to CALL OH,

>> I didn't even know I had that card. >> Dude, you're in the bathroom 4 hours a. day. Call theing bank. >> I don't even know. But I have no clue. what I like them cards. >> What? Yeah. Like she does she so hands. off that I have no idea what I did. >> Why haven't you told them? >> I've tried. He wants nothing to do with. it. He wants freedom of not having to. deal with. >> You don't get that freedom as a father. and a partner. >> You can say what you want. I've tried a. few times to talk to you about it and. you It's as though you don't want to do.

it. Well, I know I tried his logic of. what he wants to do is he wants to get. another card with interest free and then. transfer all the balances over. >> That doesn't change any behavior, That's going to make you get. double the credit card debt cuz then. you're going to not change behavior and. build up the one that just went to zero. >> Well, the only time that we talked about. that is is instead of callation, don't do that either until you change. behavior, >> right? Oh, but that's the only time I I. get involved or you know the. >> whenever whenever mom won the 60 grand I. tried to show you all the credit cards. and everything and.

>> he's not interested. >> You wouldn't look. >> because it doesn't matter what I say. You're going to do what you want, >> right? >> It it'd be nice to know what's going on. No, but if you wanted to know, I feel. like you should have been more forceful. with it. I mean, >> like I've tried to get her to. >> What's the minimum monthly payment on. this? >> 40. Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is.

the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to. take your Hammer financial score at. calebmer.com. See where you stand, where. you got to do better, WHERE YOU'RE DOING. LISTEN, IT JUST takes a few. minutes and it is free. Figure out where. you stand in the world of money. Calebhammer.com. See, I can't even see the. >> balance is a thousand, but. >> okay. Care. >> Oh, care credit. >> Care Credit. >> That one they kind of sold me on. >> So, this is yours. >> That's mine. Um, he had one, but we paid.

it off because if you don't pay it off. in the f in a year, all the interest. >> So, how'd you get screwed on that? That's deferred interest. >> Well, because I didn't It was the first. >> Well, you look at it. >> I know. And I didn't. And. >> you didn't get screwed over. You didn't. look at it, dude. That's not getting. screwed over. You can't be a victim and. everything. Four years to pay off. Almost maxed out. $893. Okay. Yeah. Minimum payment $30 maxed. out. >> Almost. It's close. >> Oh, and I don't use that.

>> Interest of course. >> 26.69% interest rate. Who has a Home. Depot credit card now? >> That's uh NYX. >> Who pays this? >> I do. So, I'm confused cuz a larger. payment was made on this one. and then no purchases where there's. purchases on everything. There were. fines. What? What the is happening here? >> Okay. You owe $83412. Minimum monthly payment $504.

Okay. 23 months to pay off. Went down. from 1,200, but Oh, you were past No, no, you weren't. Um, what is this fee? Oh, is this a monthly fee? This is just. a horrible card. Oh, it's at a 35.99%. interest rate. >> Oh, good gosh. >> Oh, you wanted to start a lawnmower. business. >> That's where this. >> What are we even talking about? You. wanted to start a business. You can't. even get out of the bathroom. >> That was when that was back. >> That was when he didn't have a job. And. >> when was that? >> Right before rehab. The indictment.

>> It was right before rehab cuz he didn't. >> That was what threw them into cuz he. didn't want to get tested. No, he didn't. want to. He didn't want to work. He. didn't want to work. >> He didn't want to work. >> He still will tell you to this day if he. didn't have to work. He doesn't want to. work. >> Anything at all. >> Do what? >> Well, no. I mean, I would work. I would. just do exactly what. >> I would do what I want to do, right? >> What do you want to do? >> I'd love to get into having like I mean. I'm just a big kid. Like I still one of. my infantilization of all of you. >> Yeah. Baseball cards, football cards.

>> Oh, for sake. >> Yeah. No, >> that would be your job. Baseball cards. >> Well, yeah. I would probably get into a. collection. A. >> Okay. Don't pursue your passions ever. >> Right. >> Yep. >> Good. >> But that was what that is from. >> Card was open for. >> the card was open for his lawn mower. business that went nowhere. >> PayPal. Who's this? You have everything. >> His of course. But you use it, right? >> Um I don't use it. >> Four years to pay off. You pay it.

>> Yes. $761.92 with a $30 minimum monthly. payments. >> The only time I've ever used the PayPal. was was to pay like a central like a. water bill to help pay on the water. bill. >> Why is it so high then? >> These were purchases from a long time. ago. I don't even know with PayPal those. making so much progress, but you put it. all to gambling. You could have such a. good life. You have no idea who has the. credit one. >> Me. >> You know, credit one's like the. definition of the worst of the worst.

Yes, I I know this cuz they charge a. monthly like. >> I sure do. >> $8 fee just to have the card, but it's. like $378. >> You think that's what's supposed to make. or break in your life? No, it's through. gambling. 3,000 or $367.79. with a $30 payment. It's almost maxed. out. Interest and fees are acrewing. >> Okay. What is this? >> Baptist Health. Oh, so he had a a. medical uh emergency. What?

>> Um so his ankle was. >> Yeah. >> So he had to go to the Are you pay? >> Yeah. So it's $50 a month. >> Okay. And you owe. >> 350. >> $34326. >> Mhm. >> I mean, this doesn't stress me out as. much medical specifically, but. >> I [sighs] just don't understand why we. gamble while we have this. Okay. money. owed to family 50 what the $57,000. >> So that was for the um purchase of the 5.

acres. >> Okay. So you bought the property $57,000. for family. So it's a personal loan to a. family. >> I thought you said you acquired. property. Oh, I didn't realize you still. owe family for it. Oh, what the. What's the minimum monthly payment? Is. there interest on this? >> No interest and 130. >> How does she know? >> No. 300. >> 130. Oh, yeah. >> What the are we doing? Why are we even. doing this, guys? You could have got it. just a nice house somewhere.

>> What the are we doing? Why What is this. obsession with grass? I'm glad you have. it. You'd get it somewhere else. >> Well, the reason why we wanted the 5. acres um is because it's right next to. our family and um and and. >> but you had to borrow from family. borrow from family. $57,000. Now you owe 300 a month. You're lucky.

you had zero interest, but it's so. stupid. You go into debt for everything. Who has student loans? >> We both do. >> We all do. >> Well, we all do. >> Okay. Who has uh 57,000 on one? 53,000. >> Who is it through? >> Advantage. >> Oh, that's him. >> From what? >> I got a bachelor's degree. >> What? [laughter]. >> In marketing. >> Business marketing. Yeah. >> Oh my dude, what the When Gwen, this is so. much. $53,132.56.

Minimum monthly payment. >> $7181. What the are we doing? What the are we doing, guys? >> So, I signed up for a plan on that one. Um, it'll be paid off in 12 years. It's. 270. 27. >> Enjoy that forever. My god. >> $270. >> Okay. Who has Moila? >> Me. Yeah. >> And what's the total balance on this? >> She does. >> Yeah. That's mine. I have two two.

separate loans, but the total is about. $4,000. >> And you got no student loans or you got. no degree, right? >> No degree. No, I went for some one. semester cuz I felt. a little bit of pressure from family to. go, but there was also no um. >> Well, you felt too complicated not being. literally under your parents nose for 2. hours. >> I was driving home every day. >> I was driving home every. >> Oh, no. I was driving home. What the. >> Oh, wait. You had a dorm? >> Yes. >> Dude, you are too sheltered.

>> Thank you. >> You're [clears throat] actually going to. have a weird life. >> Probably. Yeah. I mean, I don't know a. lot of things like cleaning. I have been. watching videos cuz we're about to get. our own place to learn how to do. maintenance on house. >> videos on cleaning. >> I had no idea that like dishwashers and. fridges had filters that you're supposed. to clean. No idea. >> You're watching videos on cleaning at. 21. >> I didn't know that.

>> You could have asked me. >> Could you guys parent for once in your. life ever? >> You could have asked me. I I've tried. >> So, mom made you go to this college and. go to the door. >> Just be transparent. She I. essentially forced her. >> HONESTLY, YOU PROBABLY SHOULD HAVE. YOU. PROBABLY SHOULD HAVE. >> and a lot of that. >> You're a shouldn't. >> But also, what I was going for wouldn't. have been worth it cuz I was going for. animal scientist. >> What? There are animal scientists. though. >> But I can't do blood. I'll pass out.

>> Even animal blood? >> Yeah. Can't do it. I will f. >> then do something else. I don't know. Yeah. >> I don't. >> Yeah, >> it wasn't for me. Shouldn't have gone in. general. >> And now you're just going to be a bank. teller for the rest of your life, living. with your parents forever. >> Tell her. No, I. >> That's what you are. >> now. But everybody loves me there. And. they keep saying that. >> Wow. Won't. >> What an accomplishment. [laughter]. >> I'll get up up up the ladder at some. point. >> Will you? >> Yeah. You're satisfied living at home,

having your parents walk on you. >> I've also walked in on them. >> That's We're married. >> Can we not put socks on doors or. something if [laughter] we're going to. live like this? >> Who has the Kia Sto? >> Okay. What's the balance? I can't tell. >> It's like 12 or 13,000. >> No. $13,280. Minimum monthly payment. What's your. minimum monthly payment on your student. loans? Uh $55 a month. >> $55. And then yours on this Kia $184.

>> Well, it's it's your student loans. What. are your student loans? >> Um Oh. Um so they're about 57 to 60,000. >> What's 60? What's your minimum? >> Um so I signed up for a plan and it's. $250. a month. >> I'm going to die. >> And in 5 years, anything not paid off. will fall off. So, it's an income. contingent plan that I signed up for. >> when.

>> um about a month ago. >> Okay. >> Cuz the first payment is just now coming. due on that. >> That doesn't make sense. With who? Federal government. >> Mhm. >> The RAP repayment assistance program. forgiveness is like 40 years of low. payments. >> It was ED Financial and um it was for 5. years. I would double check. I think. it's the length of the It's because it's. been so long. I I mean, I graduated in. 2010. >> I would just double check. Okay. What's. GS Lending Services? GLS. >> past due past due $643. >> That is uh. >> What the is this? >> That's what is at a 12.7% interest rate.

of death. >> Yeah, that's the Hyundai. >> Oh, it's a Hyundai. Who's Hyundai? >> Well, it originally started as hers and. we bought it for her when she went to. college. Brand new. >> Of course, we couldn't stay out of the. house. >> And then. >> Oh, the Kia was passed through as well. >> Yeah. Well, the Kia I mean the Tell me. what now he has it. >> Well, hang on. So, the Kia is $435 a. month. >> Yeah. >> Um, as far as the Hyundai, yes. Now, he.

has it. We bought it from her for $3,000. and she went and got her and another. vehicle. >> Oh, the Kia. Okay. Okay. Okay. The Kia. is $435 a month, >> correct? >> Okay. So, I had it lower. But the. Hyundai, what's going on with this? >> Um, so it's $643 a month. And so, um, currently what I. >> Okay, but you're late. >> Correct. So what I do is I just I'm a. month behind. >> So how much a month? >> A month behind. >> So it's three. >> No. >> No. 647.

>> Now you owe double 64391. My life. My life. And you owe a total of. $16,781. What are we doing.39? And you're gambling yet you're behind. This is so ridiculously You have just. This is so stupid. >> Okay. The amount of paperwork left is. usually the amount of paperwork that. someone comes into financial audit with. >> We're at an hour and 29. >> Jeez Louise.

>> I think that um. >> she just hit me with a Gez Louise. She. needs to leave this house immediately. She needs to go get some life. She's. saying Gez Louise. She's [laughter] an. 80-year-old. She has no life. She needs. to leave this house. >> I don't like cursing in front of my. parents. >> You don't have to curse, but geez louise. is something no human has ever said. in. the history of 21 years old. [laughter]. >> I'm around a lot of old people. >> ex and home. >> I appreciate that she doesn't curse or. >> you don't have to.

old person. >> Oh, >> okay. What is this? $24,264. What is that%? That's my car. >> Oh, you What are you doing? >> It's an Acura TLX 2020. >> So, we bought when you don't pay rent. That's You can You can spend that kind. of money on a car. Huh? >> $24,264. What's your minimum monthly payment? >> It is $4.8452. Yeah, for sake. >> But I got So I refinanced with my bank.

that I work for. >> Is this the refinance or before? >> Yes, that's the refinance. >> This is the refinance. 7.25%. It's not. great. Still going to pay it off quick. So. >> a lot better than what it was. >> Sure. Great. Doesn't mean it's good. Okay, Amy. Medical bills. Oh, that's. >> we don't I don't even have a number. >> It's US. How much is this? >> So, it's $782, I believe. 7738. >> 738. What's the minimum monthly payment? >> 82 a month.

>> And that's cuz he had to go to the ER. and we didn't have insurance. >> for the ankle thing. >> Mhm. And he didn't have insurance at the. time. >> Okay. I think that's actually the debt. >> Thank goodness. That the rest of this is. checking accounts. Well, well, I. [laughter] in savings I have it's. checking savings and a 401k. >> Yeah, let's see what those are like. Okay, this checking account, who is it? Ended at $26. >> Arvest, >> what is the account number or the last. four? I don't know. It's blacked out for. your safety.

>> Oh. Huh. Oh, it's it's his. >> it's Nick's. Yep. There's his uh trip to. McDonald's. >> anymore with a lot of trips. >> McDonald's summer autumn play gambling. >> laser [snorts] laser great gift shop $47. JH. >> gift shop is ghart. >> No, that's a gas station. >> So you're going and getting some. Going in and getting some. Amazon cash app.

>> Plex worldwide probably gambling. >> gambling. Gambling. Gambling. Going. inside. Getting some. McDonald's. Getting some. Waterburg. This is insane. Getting some. of Burger King. Gambling. Gambling. Chick-fil-A. I think gambling. Bulldogs restaurant. Smoke palace. >> Cigarettes and gambling and gambling and. gambling and cash app of $50. Amazon. Walmart. Yeah, Probably smoke. shop. Going to get into.

Amazon. This is insane. Ocean dock. Gambling. >> Yeah. >> Liquors, smoking, going inside, get into. Go gambling. I think gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Yeah. You know how. it added up to the thousands we talked. about before the dollar was saw. Yeah. McDonald's. Amazon. Amazon. Texas. Roadhouse. Laquenta ins and sweets. Where you going? >> Yeah. Where? >> Gambling. >> Uh, Cash App. Amazon. Amazon. Gambling.

Gambling. Gambling. Cash app. Gambling. Gambling. Gambling. Gambling. Own it fit. >> What is it? >> Own it fit. >> Own it fit. >> Own it. Gambling. Gambling. Gambling. Amazon. This is gambling. Gambling. Gambling. Gambling. Gambling. Seven Brew. McDonald's. Sonics. Going into. Smoking. Dairy Queen. McDonald's. This. is insane. This is one month. This is. crazy. Gambling. Roblox.

>> Oh, my little brother. Oh, he's getting groomed, too. >> Gambling, gambling, gambling, gambling, gambling. Cash app. Amazon. Taco Bell. Who are you sending cash app to? >> That's the That's to the brother-in-law. >> Okay. Gambling. Gambling. McDonald's. McDonald's. Gambling. Oh, no. McDonald's. Cash app. Cash app. So cash app away for hours at a time.

locking himself in the bathroom. >> Well, Cash App also is for the game. So. if you win money, it goes through cash. app, >> right? Okay. Cash Yeah, but this is No, no, these are these are these are outs, not in. >> Oh, they're all out. >> Yes. >> Oh, well, you can also do Cash App for. the gambling as well. >> Parties, I think. Gambling. Gambling. Gambling. Gambling. McDonald's. Dude, this is the most. insane checking account I've ever seen. This is actually disgusting. >> Cash app gambling McDonald's.

fashion. away fashion. >> What's the amount? >> $48.87. >> What the are we doing? Cash app. Gambling. Gambling. Gambling. Gambling. This is insane. This. is insane. All right. Whose account went. from $52 to 1,267? >> Mine. I was going to say I don't have I. don't have that. >> Getting some Wendy's gambling. Gambling. Gambling. RB Sonic gambling.

Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Schlotsky's. gambling. Texas Roadhouse. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. >> Have a gambling problem. >> Oh, I think so. I would actually get some help on this. Gambling. Chick-fil-A. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling.

Gambling. Wendy's. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. 50 bucks a pop by the way. >> Thank you. >> Yeah. >> Yeah. >> This is why you should have used. otherwise. You would have seen these. numbers and you would have thrown up. Gambling. Gambling. Gambling. Gambling. Gambling. Wendy's. Come on. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. >> Oh, >> gambling. Gambling. Gambling. Gambling. Gambling. Papa John's gambling. Gambling. Gambling. Gambling.

>> You might actually have more on there. than I do. >> We have just as much. >> Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. PayPal out. Probably. the gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Sonic. driving. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. I'm seeing a pattern here. Gambling. Gambling. Sonic. BS. Subway. >> Okay. With two overdrafts.

>> And how many months is that? >> One. >> One. You have Capital One. Who has Capital. One? >> Uh, me and my mom both have cap Capital. One. >> Okay. Who has a dollar? >> Me. >> Okay. Gambling. >> Well, that was just a, you know, >> a gamble. >> No, I [laughter]. >> certainly was. 2,000 and this savings. >> That's my mom. >> But in the checking account, who is it? >> That's my mom's. >> But in the checking account, it's. gambling. Gambling. Gambling. Gambling. Gam ATM with Metro. Gambling. Gambling.

Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Zell out. Gambling. Gambling. Zell out. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. Zell out. ATM $200. Gambling. Gambling. Gambling. Gambling. Gambling. Gambling. All this in one month. Gambling. Gambling. Gambling. I'm a draw. Gambling. Subway. Gambling. Gambling. The savings she was bragging about. earlier went from 4,000 to 2,000. So she.

could gamble. So your retirement for the. remainder of your life at almost 50 is. $17,000 and then $1,500. What a pathetic joke. >> Yeah, that second one is mine. My. retirement. >> You. >> She has retirement. This one's. >> budget. Figure out his income. Go get on. loans together. Go get a rental and live. your life and pay off your debt, That's all you need. You guys. need something else entirely.

>> Get out. No wonder you're on financial a. separate. It's really weird. Leave the house. >> You're going to be a weird freak, dude. Guys, the minimum monthly payments for. this household, not hers included, is. $3,735. Absolutely insane. You're lucky with the. household we bringing about 9,974. Wait, no. 8,8,974.

net. Well, no. Gross. You got to set 30%. aside. I'm going to take off a,000. 7,974. When's the last time you filed taxes? >> We do them every year. Yeah. >> Okay. Uh, okay. Utilities, electric. Well, I don't even know. But usually, what is it? >> So, we have. for the trailer, it's about $220. a month. >> Okay. >> For the shop, it's about.

$115. a month. >> Okay. Gas. >> And then we have the rent house. Um. because we planned on how much um it is. uh 55 a month. >> Okay. Gas room vroom vroom v room v room. v room v room v room v room v room v. room v room drive drive drive drive. drive drive drive drive drive drive. drive drive drive drive drive drive. drive drive drive drive drive. How much. on a monthly basis? >> Uh 80 a month. >> for both. >> for me. >> Okay. You driving car. >> probably probably 40 cuz I don't drive a.

lot. I drive. >> company in his his works right down the. road. Right. >> Okay. phone bill. >> Um, $220. a month. >> Okay. >> And we're all three on the plane. >> Groceries. One, two, three. You guys use. the meal plan, use the cookbook, use all. the good stuff. You guys, not her included. She's on her own now. You're dead. You're independent. >> Off.

>> Okay. >> You guys with the kids should be able to. do about $700 a month. TP fund. Anything. else you guys need is 5250. Medical. healthcare co-pays on a monthly basis. Any? >> Yes. His we pay his separate. It's $235. a month. >> Okay. >> Um mine's included on my check on. >> co-pays. No co-pays though. >> No copay. U. >> What do you mean by co-ay? >> Cay the like if we go to the doctor. there would be go to things on a monthly. basis. Okay. So 235.

>> I'll try to do subscriptions of 75. You. have any pets outside of their hers? >> No. She's keeping. >> We're going to have to get them pet. insurance. >> She's keeping two dogs. >> when we move. >> Are you Are we? >> Well, I said we'd keep one, but she she. needs me to take care of the other one. >> Yeah. So. >> So they can't be under the same house. >> Yeah. We'll have to two. >> We'll have to. >> Okay. Okay. Pet insurance, $100. Cuz you. can't take care of them if they get. sick. How much for pet food? >> I'm not going to pay for any of that. >> Oh, she's going to pay for it.

>> They're her just they're just simply. staying. Anything else that needs to be. in your guys' budget that I have not. included? >> Not that I can think of. >> Bare bones. >> Well, we we didn't do the water or the. gas bill. >> I asked for utilities. How much are. those? >> Oh, the two I was giving you only. electric. >> Okay. Yeah, give me those. >> Okay. Uh, so we had water leaks, so it's. kind of hard to to know. So, it's about. 120. >> for the water. Um, >> and then um gas is about 75 a month.

>> Anything else? >> Water for the house, not the trailer. >> Want the water at the house? >> For the rent? Yeah. No, the 120 includes. that. >> That includes. Okay. Okay. There is a. debt payoff journey here, but it's low. and slow unfortunately. But $5,9605. I would not do bankruptcy until you. change your behavior and then you can. consider it or else you'll be in the. situation again. However,

I mean, it's going to take a long ass. time. So, this is $20,000 of bad debt. Does that line up? Let's just pretend. for the sake you have $35,000 of bad. debt in. >> case I got something wrong here. But. even still, with your 5,900 you have. left of your. 7,900, that gives you $2,000 to play. with on a monthly basis. So, that's a 17. months. I'll actually give you guys $250. for fun for the kid. >> Well, we also kind of need to factor in. housing, like a mortgage of some sort if.

they can. >> Yeah, we're going to be building. We. don't know what we're going to. >> Well, don't I wouldn't build something. now. I would rent something now, get. your debt taken care of, and then pay. this off. If you rent something out for. a,000, this doubles it. It takes two and. a half years to pay off the debt. But. that's okay. Go work some more hours and. that's fine. And you can pay off even. quicker. I'm okay with that. and you're. just doing it with you two, the two dogs. and the one kid so you don't have to. rent something crazy. It's just a couple. years. Pay off the debt, get a fully. funded emergency fund, then build. something. You can do that. That's fine.

This is just a couple year process. >> Couple year process. That's fine. This. isn't the end of the world. How much. does it take to get up that house of. living standards for you guys to live in. that for a while. >> into the rental house? So, they want to bulldoze it down. >> There temporarily. What would it take. >> temporarily? Um. >> I would say probably to 10 grand maybe. Probably cuz I mean there. >> that might be worth it. >> Yeah. >> So I'd put I'd maybe put 10 grand to get.

someone else to fix it up and make it so. that you guys can live in there cuz that. all of a sudden brings your minimum. payment down once that 10 grand is gone. Meaning you can pay off all your debt in. one and a half years. all your bad debt, the minimum payments in the student. loans in the family, and then you are. saving up a fully funed emergency fund, and then you save up enough to put a. down payment down on building a dream. house, which you guys can on your. situation. But none of this includes. gambling, of which was thousands. So, what was it like $5,000, you have $2,000. left after the 10,000 hours you borrow. to get it fixed up, you probably only. have like 1,500 left.

>> Mhm. >> This does not work unless you quit. gambling. Go get help. [music] That's. it. That's it. And then build this. budget and work on it. I'll give you. this. you follow it. It's not that. difficult to stop being children with. your money. You guys are adults. >> Yeah. >> We're going to call the boyfriend in the. post show and we need to confront him on. a lot of So, make sure you join. Hammerly. Let's get Let's get the Hammer. financial score first, though. Going to. do it for you guys. For you. Grow the up. is your score. My goodness. I don't even. know what to do with you. Spending. We'll figure that out on the post show. with your boyfriend cuz we need more. info from him. You guys though, spending.

in a budget, overspent, not even close. Zero out of 10. debt, no collections, bad, just lots of individual debts. It's. kind of crazy. Um, I'll give you a one. out of 10, though. That's being. generous. Emergency funders, what, $2,000 in saving? That's probably about. a one out of 10 for guys living. situation. Retirement, dramatically. behind. Two out of 10. Real estate, well, you own land, but not a house. It's weird. And also, you have a family. debt on it. It's not great. Not happy. about it. Three out of 10.

Hammer financial score for y'all's. household 1.5 out of 10. Get yours at. caleb hammer.com. Now click join hammer. elite. Three premium shows posted every. single day, six days a week. See you in. the post show. >> Hello. >> I kind of want to know why you're a. loser who won't pay rent even though. they've asked you to pay rent and you're. not contributing anything to this. household whatsoever. >> Oh, he sounds like an absolute pthead. What would you guys think if uh you had. a daughter and you moved in a 16, 15-year-old guy and he started. her in the house?

>> It's like your worst nightmare. >> I don't think I would let him stay. there. Dad, step in. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a [music] promise.