Financial Audit's Most Toxic Couple

We're still together because I have. nowhere to go. >> I mean, she gave you divorce papers, right? >> Yeah, I've received those. >> So, we've gotten physical. >> What do you mean gotten physical? When. did we get physical? >> He started to have sex with me and I. kept telling him no. This is some. [ __ ] Literally, >> this is the biggest bunch of [ __ ]. you have ever heard this year. I swear. to God. What happened? >> So, I launched this man off of me. multiple times. >> She told my mom I was. >> Yeah, I sure did. I sure did, >> my friend. That is.

>> It sounds bad, but it's really not. >> It sounds bad. >> I know it sounds bad, but it really. ain't. It's. >> He always gets intense. >> Do you forgive him for what happened? >> No. >> Dollar is about to launch its biggest. update ever. My team and I have been. working day and night. And in the next. few weeks, Dollarise web goes live. For. the first time, Dollarise is coming to. your desktop, giving you a bigger, easier way to see exactly where your. money goes. Plus, we're launching the. Dollarise referral games with real money. and huge prizes. You do not want to miss.

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link in the description below. >> Hi, I'm Caitlyn. I'm 28 years old. >> I'm Tim. I'm 30 years old and we're from. Clarksville, Tennessee. >> And this is Financial Audit. >> Well, what do you do, Caitlyn, for a. living? I am currently a nurse and I'm. currently in school to get my. >> make money. Oh, but you're in school for. what? Sorry. >> To get my bachelor's. >> in nursing. >> Yes. >> So, you're not like a nurse? No. You're. like a nurse's aid? >> No, I'm a nurse. >> LPN. >> I'm an It's LVN in Texas, but I'm doing. >> Yes. >> Well, I don't know. Okay. Well, what do.

you make? >> Uh, so right now I'm doing agency. nursing, so it's kind of like contractor. work. >> So, the I don't go for anything less. than 32 an hour. How much do you make? >> Okay. >> Huh? >> I said, "How much do you make?". >> I make like 390 400 per shift. >> Okay. Okay. Good, good, good. What do. you make per paycheck cycle? What's that. paycheck cycle? What do you bring home? What's happening? >> I don't get a paycheck. I get instant. pay once I do the shift. I get paid.

>> Okay. How much instant pay do you get a. month, girl? >> I don't know. >> For sake. Okay. How many shifts do you. work a week? Average. Average. Average. [ __ ] Average. >> I work three shifts a week. >> Okay, very good. How much you get per. shift? >> 390 to 400. >> Well, call it 395 times three and you. work 50. >> Do you get paid? Well, no, it's per. shift. So, you don't get vacation time, right? Do you? >> No. >> Okay. How many weeks do you think you.

take off a year? >> A lot. Cuz. >> Okay. Okay. No, no, no, no, no. Let's. say if you worked and we just did 50. weeks. There's months where it's Z. I'm. going to divide it by two. I'm going to. say you make, let's call it $4,900 a. month if you just work. No, >> of course not. >> No, it max. $1,500. And that's because we're going. on vacation, so we need some extra. money. >> You're you're going on vacation 3 weeks. a month? >> No, that's literally like. >> So that your math doesn't make sense. Two weeks a month, >> I would say the average is like like.

600. >> 600 what? >> Dollars per month. >> for me. There's months where you don't work. >> That's two shifts. She does two shifts a. month. >> Some months. Yeah. Some months. >> You're allowed to just not be. >> Yeah. She's straight up. >> Sign up. >> Yeah. They post a shift and I bid on it. >> Yeah. >> You work two shifts a month. >> No. What? >> That's what he's saying. >> I I don't know what he's talking about. I will work three shifts a week, but if. I have a big test coming up, I'll take. off two weeks before that test.

>> Uh, that could be fair, but that's rare. That's what a couple times a semester, maybe midterms. No, I have to take three. big exams. >> Okay, so three times this semester. Oh, no. Uh, okay. So, well, what are you. what are you getting two? How are you. getting two? I don't know what the real. answer is. I don't know what to put. down. >> Uh, I guess I'm Well, definitely. the last month has been like what I mean. how many shifts have you worked? >> Well, I'm talking average going forward. especially cuz I mean with what she was. telling me. >> Okay, I'll call it five a month. >> A month. Yeah, that's. >> 390 a shift. You said.

>> between high and low. >> 395. 3.95 * 5. So 2,000 a month. >> I just feel like that's giving us too. much money. >> Is it? >> Yeah, honestly. >> Okay. Honestly, it doesn't sound like an. us though. Listen, I don't know why she. did. We capture that moment. Mark, >> what? >> Okay, so maybe I don't even need to. repeat it then. The whole thing or I. don't need you to. What are your nos? >> Do you mind if I talk to you by myself. about no nos? >> Uh, yeah. Okay, that's fine.

You sure? >> Yeah. >> Okay. No one's ever done that before. Um, I just sat down, so I think I'm. going to get you to leave cuz I'm comfy. and you're my guest. >> Understandable. >> Okay. Yeah. What are your notice? >> Uh, first big. >> Wait, why do you want him to leave? >> That's so weird. I've never had that. happen. >> So, I have given him divorce paperworks and. told him that I'm very, very serious. about this. >> Good. >> We've been fighting a lot. I have no. idea about anything with finances.

So, this is kind of like my. >> Please help me. And I don't know what. he's got going on on his side. >> Well, I'll definitely try my best. Yeah. I mean, okay. There's a lot of things. here. We have an hour and a half. Um, I. mean, we'll definitely Okay. Yeah. Yeah. Sure. Sure. Sure. Sure. Well, how's that. a no? What's the What's the no? >> Not really anything. I just wanted to. talk to you about myself. >> Okay. I mean, she gave you divorce. papers, right? >> Yeah, I've received those. >> You've received those, I would say. So,

so. >> I don't think it's a we. >> It's still we. >> How's it still we? You just got divorce. papers. Why are you guys together? Usually when the divorce papers happens, we like, you know, separate and, you. know, a little, but that's pretty much. it. >> We're still together because. I have nowhere to go. So, I told him. >> So, you would actually prefer, to be. clear, >> she is not a prisoner. >> To be clear, if you had somewhere to go, you would very much not be next to him.

Yeah, I told him the last time we got. into a fight. I said if I had a. relationship with my parents, I would. not be coming home. >> She did say that. >> You know, if you like worked. >> What did we do? Was this five shifts? Four shifts. Did we do five shifts? If. you worked 10 shifts, you could afford a. place. >> Yes. >> I think that's more of a personal choice. in your You served the divorce papers to. him. >> Yes. Yes. >> Okay. So, you made that choice, huh? >> They were not filled out. They were. blank. >> Yeah, they were blank. It was.

>> It was a threat. >> A threat. >> It wasn't a threat. Okay. >> Okay. See, that's that's different than. what she told me before. She said, "Oh, no. Well, I told her, "Fill them out.". And she filled him out. >> So, you were all down for the. >> I was just responding. >> Uh 30 28. Uh Okay. Okay. I I Okay, I'll. learn about that in a second. Tim, what. do you do? >> I work uh for the Department of. Transportation. >> What? >> For the state? Yeah, like state agency. >> Okay. Doing what? the maintaining the.

roadways, plow snow when it comes down. >> Yes, you do. Yes, you do. Okay. You're. not the decision maker. Very good. What. do you make? >> It's not always snowing in Tennessee, so. I don't like. >> So, average yearly salary? Sure. >> No, we get like one snow a year. Like 60. 16. >> Okay. Well, hits your account per month. Average. >> What's 1,800 plus, 1500? >> 36. >> Very close, but that's not it. Let's go. to Gary the. >> Huh? Oh, 18 plus 15, you said. Yeah, my. checks are always the same.

>> Okay. If they're always the same, that's. actually good. That's consistent. Maybe, you know, we want a little more, but. >> there might be like Yeah, I round it. down. So, maybe like throw. >> Are you guys close to Nashville? >> Is this close to Nashville? >> Yeah, I used to I used to Yeah. Yeah. >> So, it's definitely not I mean, it's. it's gone up in the cost of living for. sure if we're comparing it to many. places. Uh, okay. Okay. Well, that gives. us household income, but again, we're. not a household. So, you actually make. more than him. I'm confused. So, if. Wait, if she left, how would you pay. your bills? Would you be able to pay. your bills? >> I gave him the divorce paperwork and I.

said, "You get your together or as soon. as I graduate, I'm leaving." And. >> this doesn't make any sense. You What? But but this not that is not See, maybe. you shouldn't have told me before we. started filming cuz that just. contradicts everything. >> Well, no, no, hold on. Let me finish. But I will pay for him to finish his. schooling cuz he's in nursing school. right now. >> But you you didn't tell me if he gets. his [ __ ] together. You told me you. handed him the divorce paper, did you? Did I miss it? had to have cuz I said if. you get your [ __ ] together, if you don't. get your [ __ ] together, we're done.

>> That's what you told me before. >> That's exactly what I told you. >> I must have missed that cuz I was just. trying to like get in here and get you. just hit me out of the gate like a. [ __ ] um. >> hell yeah. >> If that's how it's like in the marriage, I'd get divorced, too. Get home after a. long day's work. And she's like, I need. to talk to you privately. >> I mean, I don't agree or disagree, but. uh. >> really try to protect yourself there, aren't you? >> Absolutely. How long have we been. married? >> We've been together 10 years. Been. married since either 21 or 22. 2021.

>> You know, >> I don't know exactly when we got. married. >> What? How? Everyone knows when they got. married. >> No, we got married twice. >> Not divorced. Two separate celebrations. >> How much we love each other. >> except divorce papers were handed. >> as a threat. >> As a threat. That doesn't make Okay. What the So that's why you want your. finances figured out together. I may. have missed that part. For some reason, I was thinking like you wanted cuz these. are all intermingled for sure. Oh, really? >> Okay. So, yeah, it's going to be. complicated. I thought we were going to.

you wanted me to do like a separate. budget or something so you could get the. out of there. Well, now we're. >> Wait, wait, but this doesn't line up. because again, she just said if she. could afford living her on her own or if. she had a relationship with her parents, she'd go there. >> I'm sure she felt like it for about 30. minutes. But. >> she just said it here. >> She. >> if he don't get his [ __ ] together, I'm. >> She graduated. Like he's so mean to me. He's so mean to me. >> Okay, fine. Let's get into it. Let's get. into it. Okay. Okay. So, we've been. married for maybe four years, maybe 5.

years. Who knows when we got married? Why did you go and get those papers? Tell me what is going on. Tell me what's. up. >> Okay. So, we have this big issue where I feel like. he. is a straight [ __ ] to me and he does. not recognize it. And then when I'm. like, "Hey, you're kind of a asshole.". And he's like, "No, I'm not. This is. what you did 10 years ago. I deserve to. be an asshole.". >> Well, tell me how he's being an [ __ ]. though. I do need more details in this.

conversation. >> So, we've gotten physical. >> Oh my. Well, that's different than being. an [ __ ] What do you mean gotten. physical? When did we get physical? We've gotten physical a few times. >> A few times. Tell me. >> But not like. >> Tell me about the first one. >> So, the first one, >> tell the truth, >> was when we It was a few years ago. This. guy lived behind his house. He was. beating the [ __ ] out of his girlfriend. So, I. >> What happens in Clarksville, Tennessee? What the are we doing?

>> I went to that guy's house, went inside, and was like, "If you want to beat the. [ __ ] out of anybody, beat the [ __ ] out. of me.". >> Are you very intoxicated? >> Yeah. Call the cops. You're not a cop. >> I mean, yeah, that makes sense. But at. the time, what am I supposed to do? Just. like sit there? >> Call the cops. You're not a cop? >> But fine. >> What? >> She committed home. >> Rule number one. Yeah. Well, okay. Not. just that, but isn't rule number one not. to like put yourself in danger when. someone else is in danger? >> Not when you're the toughest mother on. earth. >> Well, also, yeah,

>> I had a lot of liquid confidence in me. >> What time? >> What time? It was like. >> sundown. >> Okay. Well, that's good. Okay. So, what. happened? Well, that doesn't sound like. him beating you to be clear, but go on. >> So, I went in there throwing all the. [ __ ] around. He comes in there. He. literally drags me out of this house. >> The other guy drag him out of somebody's. house. >> And then, yeah, >> I got a little bit more angry, started. throwing stuff, broke some windows on a. car. >> Whose car? >> The guy's car. >> Okay. You're crazy. I don't know what I.

thought you were just trying to separate. the woman from a dangerous situation. Now you. breaking people's cars. Okay, go on. >> Um, and then I pretty much I mean I was. drunk so I was like you you're supposed. to be on my side and he's like no you. you're acting crazy and I pushed him and. he like. >> grab grabbed her throat. It was a quick. reaction. >> Why' you grab her throat? >> As quick as it happened is as quick as. it didn't happen as. >> and I like I did it and then I go. >> ring off and I was like. >> she p it was pissed me off like she just. slapped the [ __ ] out of me and I'm.

trying to keep her from going to jail. So when she slapped the [ __ ] out of me, I just And then I dropped it. >> Michael, you can't beat your wife. >> Of course I can. I have over 5 million. pounds. >> Well, listen, I wouldn't grab her. throat. I understand it was a quick. reaction, but again, that doesn't sound. like the type of physical thing I'm like. concerned about cuz you were trying to. get her out of a dangerous situation. >> Yeah, trying to. >> tell me about the next one cuz you said. there's a few. >> You You do the next one cuz I can't. really. >> Oh, you put this on me. You said I'm. abusive. Like. >> abusive?

>> I didn't say. >> Are you telling people she's abusive? Oh, I. >> She just told you that I lay hands. >> Okay. So, and then. >> Well, then it's insinuating at the very. least. That is a dangerous insinuation. to make. >> Well, I always. >> So, tell me about the next time. >> So, the next time we were arguing about. something I don't know and I said, "I. hate you so much." And I pushed him and. then he. >> because I just I don't know. >> No, I don't I don't remember. >> She's so mad. >> She does. She get She's full of rage. I. don't remember why the argument started, but it turned into her hitting me in the.

chest like four, five, six, seven, eight, nine times. And I'm like, you. know what? This I push her off of me. I. go to walk away. She pushes me in the. back. Piss me off. I turn around. I grab. her. I put her on the bed. I pin her. down. It sounds bad, but it's really. not. >> It sounds bad. >> I know it sounds bad, but it really. ain't. It's. >> How is it ain't? >> Cuz I finish the story, then you'll be. like, "Oh, yeah, that ain't that bad.". So, pin her down and I'm like, "Dude, just quit." And I get off of her and I. go to walk away and I get pushed I get.

pushed in the back again. Right. >> He makes shove me in the back. Shove me. in the back. >> while I'm defenseless. >> Look, he's not just quiet like please. get off of me. He's like you. You're. crazy. And I am like no I'm not. I'm. fully defending myself. That's why I get. so mad. >> I don't know how I talk during it. because honestly I just go into a a. blank. But anyway, >> well that's not good. That's where. people abuse each other. Like literal. abuse. So, if we're talking abuse, that. is literal abuse when you're just seeing. nothing but red. >> Well, I mean, it ain't like it ain't. that dramatic, but anyway. >> It sounded like it. She pushed me.

>> How can you tell me not? >> Because it's it's not like it's hard to. explain. Like, >> well, you tell me then. >> He always gets intense. >> Well, he's making it sound like nothing. happened. >> I talk like he is. This is intense to. her. >> Right now, I'm screaming and this is uh. aggressive. >> Fine, you tell your side then. Uh, so my. side is I'm trying to explain, hey, you. did something that I really did not. like. And then it turns into, "No, I. didn't. You always do this." Oh. Oh, my. bad. You always uh say that I'm doing.

something d. And then I get mad cuz I'm. like, you mother. Like, listen to me. I'm trying to tell you what you're doing. and you're not listening. You're putting. it back on me. >> She thinks I take her arguments that she. wants to start and make them about me, but really it's just a debate. like we. just debating like. >> well listen I wouldn't be too concerned. about these things in the past in a. 10-year relationship if things have been. better but I know for a fact just from. looking over from what Devon was telling. me your biggest fight was from a few. weeks ago. >> Yeah. >> So that is dramatically concerning. Was. that before after during divorce paper?

>> That is before. >> It was right before then. Yeah. Right. after I. >> and that is what interests me. That's. where we are today. Tell me. >> what the happened. >> We just pissed at each other. Do you. want to go or you want me to go? I'll. go. >> Dude, everyone in a relationship gets. fisted at each other. Not everyone in a. relationship puts hands on each other. and starts seeing red and throwing. people around and then backing off and. saying, "It wasn't that bad. >> Come on.". >> And you know, every time I get into a. relation or a conversation with my. friends about it, they're like, "He's.

kind of abusive. You need to leave." And. I'm like, "He's not. >> because I feel like I'm starting it. every time.". >> So, she takes [ __ ] to her friends, which. you shouldn't do. >> It depends the escalation. And I mean if. you start an argument but it gets. physical on the other side that's not. you starting something abusive. So we. know that right? But yes if you lay. hands first that is you starting it but. if the other person escalates it to more. physical violence that's still wrong on. the other end. >> Yeah. >> So why do your parent why do your why do. your friends say it's abusive?

>> They tell me that he isolates me that he. allows things to get too far that I. deserve better. >> They he isolates you. What what's their. argument there? Uh, so I barely have any. friends. I. >> Well, these are your friends you're. talking to and they say he isolates you. Why do they say that? >> Well, because like anytime I go out with. my friends, it always turns into an. issue of, "Oh, don't spend any money. Uh, when are you coming home?" And I. feel like I can't ever go out anywhere. without him being my shadow.

>> I'm just asking questions, like just. basic questions of wanting to know. what's going on. >> What? >> Like, when are you coming home? >> Who are you hanging out with? There. better not be a guy there. >> Why are you going into it like that? >> Cuz I'm I'm I'm insecure, but I don't do. it the way she does. >> Why are you insecure about her being. around a dude? >> Well, >> you think she can't keep her legs. closed? >> I mean, >> and that pisses me off, too. >> What? That's insane. What is that. reaction for? >> You think I'm a [ __ ]. >> I don't think you're a [ __ ] I think. you do [ __ ] things.

>> What? >> Brother, you have way more evidence on. you for cheating than I have. You were. able to submit. Oh, every financial. audit episode ever. Oh my. >> I didn't even get to hear what happened. a couple weeks ago. But how are you. saying she's a [ __ ]. >> [ __ ] is. >> what. >> ish. >> If you're insecure, is it logical or. not? >> Has she ever anybody else know? Has she. ever ran her hands up and down somebody. else's body? Yes. >> Two weeks into our relationship, we went.

to a party. I got super drunk and appar. But this guy, we were trying to get this. guy hooked up with another girl and I. went, "Hey, but that literally was 10. years ago.". >> So, what's your issue? >> Uh, >> you can never rebuild trust in 10 years. >> Oh, I trust her, but. >> No, you don't. You're asking You're. saying don't have guys around. >> Yeah, I guess I trust her to an extent. So, yeah, I'm a little scared and I'm a. little insecure. >> That's a light extent. Your insecurity. is not her problem, though. It shouldn't. be. That's yours. Deal with your own.

[ __ ] man. Go to therapy. What is wrong. with you? >> She can't have friends. That is a little. isolating. If you're like pestering her. like crazy that she can't do anything. Yeah, it is a little Well, it's not like. the full isolation like, oh, you know, you can't be friends with your family. >> She makes it sound like so bad. Like she. takes, let's just say, my symptoms, what. I do, and then she's like, how can I. make this. a hundred times worse? >> Oh, you said there's more evidence on. his side. What? >> So, there are screenshots, >> bro. He had two screenshots of a group.

conversation. Literally like six people. >> Go on. >> It's in Discord and apparently him and. this girl. I don't even know what the I. don't remember what kind of Discord it. was, but it first started off with he. sent a picture of him holding our dog. and you can see the back of his head and. then I guess she sent a picture in the. conversation. Yes, it is a group. conversation, but they were the only two. talking to each other. >> That's true. That's why it's a group. Uh, and she deleted her picture out of. the chat and he kept his blah blah blah.

whatever. And then a conversation was. going on about, "Oh, are you really a. girl?" And this mother said, "Can. confirm he's a girl? Seeing the back of. her head or can confirm she's a girl? I. have seen the back of her head.". >> She posted a picture of the back of her. head. Like, I'm not I literally. >> evidence of him cheating. >> Yes. No. And then it gets even better. cuz he's, mind you, in real life he's. not talking to me barely. He's on his. phone 24/7. That's why I brought you. >> I was on some other [ __ ] and she was a. part of it. Like you were lit.

>> I was not in that group. >> I was not in that group. That was a that. was a Okay. It was a Discord group where. these people were like able to they had. AI or some [ __ ] to scan the internet, find. >> price, and I just bought inappropriate. jokes. Like she's like. I'm 21 years old. I need to I have to go. babysit someone. And he's like, "Oh, I've seen this before on. >> all group conversations. I'm on dude's. side. It's a group chat." He's around. >> Yeah. But the thing is is like you're.

spending more time talking to these. people. >> Okay. Now, that's an issue specifically. that Okay. Not about the girl. It's not. about the girl. See, that's where you. lose me. That's where you lose me, man. I understand if you have an argument. that you want him to focus more time on. you instead of the friendship. So that's. the same argument he's basically having. as well. You're being weird with the. girls in the group chat or girls in the. group chat and he's being weird with you. not being able to close your legs even. though you like touched someone's arm 10. years ago. You guys are both insecureing.

freaks. >> That's not the only one. >> Okay, then give me something to act that. actually matters. There was another time. I was at my friend's house and this is. going to make me sound crazy, but I. logged into his Facebook and I went to. his activity log and he had done went. through this girl's profile like like. like like all her pictures. And when I. said, "What the are you doing liking. this girl's pictures like this? Like. you're spam liking her?" He said, "Oh, that was my friend. He had my phone and. he got on my Facebook and went to some.

random girl's Facebook and just started. liking everything.". >> Like what? You ain't ever do some dumb. [ __ ] like that when you were like 18 to. a buddy like a buddy. >> I didn't do it. I mean, they did it to. me. >> A grown adult. >> cuz I'm working in a I'm working in a a. factory, like a hot ass factory. There. ain't [ __ ] to do but drive forklifts and. mess with each other. So he's like, "Man, let me see your phone." He had he. had like a cricket phone and he ain't. had no minutes. So I let him use my. phone to look at Facebook. And he gets. on my Facebook and goes and likes a. bunch of pictures on some girl that he.

knows. And I'm like, "Oh, what? Yeah, but I mean like how can I defend. myself on that if I can't I mean I can't. Yeah, exactly. I can't make her believe. Did you ever talk to the friend? >> No, I don't. >> No. Why would she find evidence? Like. she's just going to make her beliefs. stand on them and make them 100 times. worse. >> But that's weird, right? That's weird. >> Um I It's It leans towards weird, but. it's not like egregious. I mean, if. you've seen the kind of [ __ ] that people. actually do to each other on this show. when it comes Oh, it was 10 years ago.

Like you said, 10 years ago, time don't. matter. >> Time don't matter. It's long. >> You're just a liking thing. Wait. Huh? >> Yeah. >> I don't think what either of you did is. that big of a deal, dude. >> I don't either. >> But why are But no, no, no. What is a. big deal is both of you crash out about. it. >> It's insane how you treat each other and. the insecurities you guys have. What. the? >> You're making each other's problems like. crazy. >> I really am not that insecure with him. >> What? >> No, I'm really not. I'm really not. It's. because he's always like, "You're.

cheating. You can't be with men. You. can't work out of jail. You can't.". >> See, why are you saying that? That's. crazy. Because she touched someone's arm. 10 years ago. You're accusing her of. being a cheater. >> I work out. >> She can't have jobs. >> I didn't have a problem with the jobs. I. had a problem with the job. >> No, he has a problem with the job. >> because. >> what's the job? >> Job was working in a jail with a bunch. of dudes who didn't want to do nothing. but they literally had a running bet on. who was going to crack her first. Here's. a question for the gooners out there.

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not, though. >> She's telling me, "Oh, these are just my. friends. are so nice to me. D. >> inmates. >> No, the. >> with inmates. >> No, I'm not. >> friends with She inmates. Inmates get. out of jail. >> Wait, who has the list? The deputies or. the inmates? Deputies. Yeah, deputies. >> That's crazy. >> She had inmates. >> I wouldn't want you working there. either. >> I did not add any inmates on my. Facebook. That's illegal. >> I would like I wouldn't want you working. there either if all your co-workers were. making the most money there. And.

>> yeah, but it was like everyone you. worked with was taking a bet on when. they could you. >> nobody know. I did not know that was. going on. >> Yes, you did. You just admitted that to. me. >> Shut up. >> How do we find out about it then if you. didn't know? >> Because I posted something on Facebook. talking about this guy keeps trying to. add me on Facebook and how it's. embarrassing that he keeps rescending. his friend request. And then these girls. that I worked with were like, "Hey, by. the way, they definitely had a bet going. on on who could crack first.". >> And that's when I was like, "What the. fuck?". >> Yeah. Then she told me that she already.

knew that cuz I don't know if you told. me that to try to hurt my feelings cuz. we was arguing. But you told me you. already knew that. >> I didn't know about the bed. >> It's in my text that you already knew. that. >> I didn't say I heard. >> you said you enjoyed the attention. >> No, I Okay, let me pause there. I said I. knew there were men at that jail who. liked me in that way. And as a woman. who's very self. conscious and low self-esteem, Yeah. A. little bit of attention. Yes. So, a.

little bit of attention is nice. A. little bit. I'm not out there like, "Oh. my god.". >> No, it's nice. No, it's fine. I think. attention's good, I think. But a bet. crack a bet crack is kind of a crack. bat. >> Yeah, that's kind of crazy. >> That is crazy. >> Yes, it's good to get attention. I also. don't know why they chose the fat one to. be the the crack bet, but. >> I'm not that fat. >> Unless she's. >> No, you're obese, but. >> not super obese. I have. >> No, not morbidly. No exercising. No, >> it's good. I I'm not like saying that in. terms of like hurt your feeling, but.

like let's just I would say it to a man. We should say it to a woman, too. You're. obese. I'm obese. Okay, very good. >> Equality. >> I'm not But I'm not like beating you. over the head with it. >> But that's only one Facebook. She's got. like six Facebooks. >> Okay. I don't have six Facebooks. I have. two. You have six. messengers, four Tik Toks. I don't even. know how many Snapchats. >> One main Facebook. >> She claims she don't have Instagram, but. she literally has Instagram on her. phone. >> Okay. So many different accounts. Instagram is from my high school. Literally, I have not posted anything.

>> I don't even care about the single. Instagram. Multiple Snapchats is freaky. >> I do not have multiple Snapchats. >> Why' you say that then? Why you say. that? >> I don't know if it's true or false, but. she has many of everything. So, why. would why not? >> I don't have many of everything. I. >> So, you're just accusing baselessly. >> Yes, I have two other Facebooks. One. >> one I made because when we were going. through issues with somebody, I was. blocked on my personal Facebook. So I. was using freak just stalker big time. >> but we won the case didn't we. >> yes there was a case yes I can't go into.

it but there was and I was going this. person's page and I was getting. information from that false Facebook and. yes I still have it and then I tried to. change my email on my now Facebook and. apparently I made a Facebook back in. middle school and now I. >> What about the multiple Tik Toks like. that is. >> weird multiple Tik Toks that's. accidental cuz every time I've been. logged out of Tik Tok Multiple Facebook, multiple Tik Toks, maybe multiple. Snapchats. >> No, multiple Snapchats. >> Listen, I I swap from my iPhone to. Android and I'm like, damn, I got to get.

back on my Tik Tok. >> I go to log in on my Tik Tok. >> now. He has. >> and it brings up some [ __ ] she done. made. So, I'm like, damn, what. information is even on my Tik Tok? My. email and my phone number are tied to. two different fake Tik Toks that she's. made. I can't even get my old Tik Tok. And when she leaves the house or does. all this [ __ ] or whatever she's doing, she cuts off her life 360. So, I just. can't see where she's going. >> Oh, yeah. Cuz I'm mad. >> Okay. Now, that see that does get a bit. sketchy. I'm sorry. >> That's spiteful. I mean, >> like, listen, I I was fully on your side.

for his he was being incredibly. insecure. And I think I'm I'm probably. still on your side, but it's getting a. little more weird. >> She's creating. >> turning off life 360 when you leave. Last time that happened, that episode's. not out yet. Probably before you guys, but every time she did, she was getting. railed. We found like. >> I'm not I'm not supposed to be confident. with you. I'm turning my location. >> Why are you turning it off? >> So he does not follow me. He doesn't. >> I'm not going to follow. I'll be home. with kids. >> So I do want him to be mad with a. three-year-old. >> Whenever he pisses me off enough. >> to make me leave the house, I'm in the.

mode of okay now I'm going to hurt you. cuz you hurt me and you're not listening. to me. So I turn my life 360 off. So. that way he is at home thinking whatever. [ __ ]. >> Why are you playing games? In what. healthy marriage is games going to work? >> It's not It's not going to work. So, >> you think he's going to follow you? >> Yes. >> She thinks I'm going to wake up my. three-year-old that's dead asleep, >> dress him, put him in a car seat, and. then follow her. >> Like, what? >> So, it's always in the middle of the. night.

>> No, last time I left it was in the middle of. the day, and I literally was texting. him. >> No, last time you left it was in the. middle of the night, and you wound up at. damn like Jack in the Box parking lot. >> That's why. >> I was going She said, "I'm not coming. home. I'm in Jack in the Truck." Yes, I. went to the parking lot. It's a well-lit. parking lot with a lot of like police. traffic. Now, who does this? >> Because I didn't want to be home. >> Her ass was eating Jack in the Box and. staying telling me she wasn't coming. home. Then she come home with a [ __ ] ton.

of Jack. >> on everyone's favorite hammer elite. show, Fat and Fatter. We did Jack in the. Box and it is uh honestly the best. restaurant I've ever had. >> Stone for sure. They got a lot of good. [ __ ] But anyway, so I get that. Don't. get the sleeping in the Jack in the Box. Nobody does that. >> It wasn't in the Jack. parking lot. It. was it was next to it. So like. >> weird people get a motel. >> Hold on. I got a picture. >> People go You have friends. You said. money. >> No, I don't really have friends. >> Then why how are your friends that don't.

exist telling you that he's abusive? >> Because I have them on Snapchat. >> Because we had a a fight about a chicken. coop and that's the one that she. >> Oh, what are we talking about? Two weeks. ago. This the recent fight. The big. fight was the chicken coop. >> Yes, this is Let's get back to the. fight. Oh, you guys are all over the. place. >> You know. >> what? Blood chicken coop. >> She feels like it's the most serious. because. >> one time only this this is in 10 years I. left and went to my mom's house. That. was a huge mistake on my part.

apparently. >> I don't know. She can talk to her. friends about me, but I can't go talk to. my mom. He can't go to his mom's house. >> My mom was a mile down the road. Like. it's not like I like just took off, you. know? I go to my mom's. You already been to my mom's by that. point. >> Yeah, I'd already. >> Yeah, she'd already been My mom was. afraid. Literally afraid cuz she told. her, "I can't leave in the car. I've got. a gun in the car." My mom was literally. scared to use a gun on me. >> on who wait what was happening, guys. What the What happened? >> That's what I'm saying. That's what I'm. trying to think of. Like, why were we.

fighting? >> Shut the up and let me talk. Okay, so we. got into a fight. This mother went to. the store and bought me chickens to make. up from the fight. We don't have a. chicken coop. We don't have any chicken. food. We don't. >> Was it something she was asking for. >> for years? >> Oh, okay. So, it was at least something. in here. >> It wasn't random. >> It was pretty random. >> It was. >> It may have been a random time to buy. it, but the the the purchase subject. wasn't random. >> So, I go inside, I go to sleep, whatever. We wake up the next morning.

and stuff happened and then we went to. >> What happened? >> He started to have sex with me and I. kept telling him, "No, no, no. This is. some bullshit." Literally, >> this is the biggest bunch of [ __ ]. you have ever heard this year. I swear. to God. >> I. >> You want to. >> What? >> Go ahead. >> What? >> Go ahead and I will I will follow. >> Go ahead. >> So, I launched this man off of me. multiple times. He finishes whatever. he's doing and he's like, "Wait, were.

you even into that?" And I was like, "No, I wasn't. I was telling you no, though.". >> She told my mom I was. >> Yeah, I sure did. I sure did, >> my friend. That is. >> consensual non-consent is her favorite. thing. >> No, it's not my thing. >> And not not We didn't just jump straight. in. I didn't jump straight into it. >> But I never said, "Hey, let's have some. CNC.". >> Basically did. >> No, I didn't. I didn't say anything but. no, I don't want to have sex. >> That's not how it started. It started. with us cuddling literally for like 20. minutes and you kept bouncing your ass.

off of me. >> No, I wasn't. >> Does that not always turn into sex when. you're cuddling? It typically is implied. consent. But consent can be removed at. any time, my friend. >> Well, but she. >> but CNC complicates things. >> It's hard to read. >> in CNC is a safe word typically. Yes. >> Did not have a safe word. >> Planet. >> No. It depend. That's that's relationship to. relationship. It depends. What did you. guys discuss and agree as a whole? >> Nothing. There was no discussion. It was. just. >> Okay. So, that is confusing.

>> Spur of the moment. I would have. probably clarified personally. I mean, I'm literally kicking this man in the. chest, kicking him off of me, and. telling him no. That's when I realized I. agreed. That's when I realized bad, but. >> Well, she said you finished. >> Yeah, but that's when I realized. >> after after he finished, and then I get. up and I'm going to the bathroom and he. said, "Oh, were you even into that?". >> Literally, this 10 years has this. happened one time. That's how I know I'm. ask. Cuz CNC, it's like, you know, they're into that cuz there's. discussion. >> Oh, cuz we I mean, usually.

>> we've never done We've never actually. played out a CNC. Yes, we have. No, we. >> then what made you get so. >> nine times out of 10 it's aggressive. So. I mean it was basically the same but. different. What made you do that so. different that morning? >> Another thing every time that we've gone. to sleep mad, we literally wake up in a. good mood, fine, ready to start the day. >> Yeah. >> Okay. So that's what I'm thinking is the. same damn thing. I literally get up, take care of the dogs, I come back, lay. cuddle up next to her,

>> and it it's like 10 minutes of ass. bouncing. >> like nudging my foot, >> which is implied consent, which despite. where Reddit and Tik Tok and nonfrontal. load developed think is an actual form. of consent. However, consort consent can. be removed at any time. >> I just didn't realize it. >> Well, I'm sorry. Kicking and saying no, I don't want to is removal. And CNC, like you said, nothing was established. So CNC is great, but there's clear. things that need to be established. first. If it's always CNC, free use CNC,

that's where there's like a safe word. >> And that's where we. >> You didn't have that because you guys. also didn't established that you were in. free use CNC. >> It wasn't CNC any time. >> We weren't professionals. We just. thought we was. So now, now we know. Now. I know. >> Now you know. It is complicated. The. reality is you technically did her. But. for her to 10 years, one incident, and. then her to go to my mom's house and. literally scream at the top of her lungs. in a neighborhood. >> that I to be very clear, so it was done.

It finished. Well, he finished. And you. immediately got in the car and drove to. his mom's. >> No, I got in the shower and he decided. to come in there while I was taking a. shower. And. >> he's like, you know what's wrong? And. I'm like, I'm still pissed because of. everything that happened last night. Like I just injured myself. I just moved. this big ass fence, tried to and you as. a man stood there and watched me. You. let me do all. >> I was letting you finish get whatever.

the. >> and. >> because I said as a man you sat there. and let me struggle and not help me. because you were in a petty ass mood. about because I didn't you bring the. shed down. >> Yeah. It's I mean it's not the greatest. It's not as important as what happened. that morning but go on. >> So and then I did bring up the whole. And um it's crazy. >> We just got we got to argue and then um. >> I mean you did was crazy. >> I mean that is the actual word but like. if. >> who goes 30 years it just becomes all of.

a sudden with their wife that have been. together for 10 years. >> cuz the wife can say no. >> Yeah. But I didn't know. >> I know it's it's more complicated than. Reddit and Twitter will allow it to be. and Tik Tok it is. That is technically. what happens if we're black and white in. it. Yes, it's more complicated and it's. I mean again if you guys like moved. beyond it and you had like a corrective. talk afterwards like yo that like what. the. >> and you guys moved beyond it then that's.

okay. You guys could do that. But it is. technically still something that. happened. >> But it should I mean I shouldn't carry. that light for the rest of my life. >> Probably not if you guys have like moved. beyond it, right? No, I agree. But let's also acknowledge the fact that. that is actually what happened probably. >> Yes. And in that moment that's how I. felt. >> And yes, complicated, more complicated. than the black and white that the. internet will allow it to be. But you. did not want it. Correct. >> Correct. >> You were kicking him off. >> Correct. >> And he kept going.

>> He kept going. >> Literally launched. >> But you guys are your relationship. If. you guys have established that, okay, there was it was complicated. I didn't. know. We've had CNC discussions and you. know, we failed at obviously setting. boundaries there. Okay, let's move. beyond it and here's real rules. Okay, >> you guys do that then. No, we're not. just going to sit here and just keep. beating you for the rest of your life. >> Yeah. I mean, if it wouldn't end if she. wants to, she can. >> say hi. Can you talk? Is that how I. started talking? She started talking. >> Anyway, so I was complicated. I'm not. and he he was like blah blah blah blah.

blah. And then I was telling him. >> A, B, and C. This is why I'm mad at you. This is why I'm mad this morning. you as. a man stood there, let me do all this. You didn't help me. I think that's wrong. on your part. And then he got mad. >> See this? And that makes me almost think. maybe I mean I'm on the side that it. probably was. But. >> damn, I thought we was moving back. >> But like but like was it if the thing. she's even more upset about is the fact. that you didn't help her move something. >> That's a very good point. >> I don't know.

>> The problem. I'm going to fence it and not make a. conclusion. Uh, so I literally just said. that while I was in the shower, we were. talking about the sexual thing. And then. I was also telling him like, "This is. why I'm mad at you." He got mad. He. said, "Well, you're useless." I got mad. at that. And I slapped him. And then he. pushed me. >> Well, you you physical art. >> Yes, I did start it. You started I. started like was this like a or was this. like a. >> Yeah, it was. >> That's crazy. You're You're abusive.

That's our labels. I mean, >> yeah, you're an assaulter. You're an. abuser. You're abusive. You. >> listen, he called me useless. And that. like. >> shouldn't be a person working in a. prison if you like. >> can't control yourself like that. >> Well, I don't have interactions with. inmates like that. >> Okay, then. Okay, it's better then. >> Yeah. >> Okay, go on. Go on until you hit him. >> And then he pushed me. I pushed him. back. And then he. >> pushed me up against the wall. And to. get away from the situation, I bit him.

on the chin apparently so hard. >> What is he pinninging you? >> Yes. >> I'm trying to control her. Like, stop. >> No, I kind of understand what you were. doing. But she reacted that way cuz she. felt pinned. So, >> it's like I. >> So, how come every time I try to leave. the bathroom, you throw [ __ ] at me? Like, every time I try to walk away, twice, try to walk away, I get [ __ ]. thrown at me. That's why I turn around. care as much about all this. If you guys. didn't say there was a kid, >> there was once our son walked in. That's. >> was a kid. >> Yes, there was a kid. >> He's dead. >> No, he's alive.

>> No, he's doing. >> Oh, I see what you're saying. There is a. kid. >> Oh, okay. Yeah, >> one kid. >> We [ __ ] up with that, but. >> um. >> Well, there's one kid. Two kids. One. wasn't home. No, one was home cuz she. literally in your guys's relationship. How many kids are there? >> Two. >> Okay. What are the ages? >> Three and 12. >> Okay. >> 12-year-old's not hers. >> It is, but it's not. No, I I understand. I blowing nut all around town. I get it. Yeah. Yeah. It. >> is what it is. >> Okay. So, okay. You got away after. biting his chin, I guess.

>> And then our son came in and I literally. just had the biggest epiphany where I. was like, "What the are we doing?". >> Yeah, you guys are saying. Do you not. hear this conversation so far of how. crazy your guys' relationship is? >> So, I was like, "Get away from me." You. know, we got done. I gathered up my. stuff. I gathered up our son. I went to. his mom's house. >> Like leaving? >> Yeah, like leaving. >> No, she was going to pillow me. >> I was trying to leave. We were It was. such an escalated situation that I knew. the best result would be one of us.

leaving. So, I left. >> I went to his mom's house. Okay. >> I went to his mom's house. As soon as I. got to his mom's house, his mom's on the. phone with him. I am still in like a. panic mode. Like, I'm still high. anxiety, like freaking the out. I get up. there and I'm telling her like, "Are you. on the phone with him?" him and she's. like, "Yeah, he he already told me. everything that happened." And I'm like, "Well, did he tell you that he me?" And. then she's like, "I don't know, baby. I. don't know what to do." And I was like, "It's fine. I'm leaving.". >> It is It is hard to put someone in that.

position. >> Yeah. In the middle of like nothing. Like she had no idea what was going on. I literally called her like, "Yeah, I. think I think me and Caitlin about to. get a divorce.". >> And for what it's worth, based on every. conversation I've had on the show where. people over sensationalize anything, I. actively take the step of not believing. all women. It's really sad actually, but. it's it's really pathetic what people. have done since me too where I really. want to be on the side. Luckily, I am. 100% on your side because at least you. guys agree on it. But the thing is when. I get the full picture, it's just like. someone like grazed against someone's.

hand and they got like crazy these days. >> That's why that's why earlier I was. saying whenever. >> So I'm just saying that as like it's. fair that your mom was like kind of like. whoa. Okay. I don't know. >> Yeah. But in my mind at that time, I was. like, there's no help for me here. So my. mind went, I have no help. If I were to. leave this situation today, I have. >> Yeah, that's scary. No friends, no. family. Yes, you're a loser. You're a good girl. I know this is a.

hard This is a hard moment. I know. Good. girl is crazy. So anyways, I was like I literally have. nowhere like. I don't have friends. I don't have. family. So I don't know. >> But you have Caleb Hammer. >> I do have Caleb Hammer. >> And you could have come to the studio. and we would have laid out for you a. double air mattress. >> Hell yeah. The Ashley brand. Um anyway, so I was like, "Wow, I don't have. anybody. I don't have friends. I don't.

have a mom.". So, I off the tea bin and deleted like I. went from like 1500 Facebook friends to. now I have 528. >> Okay, quick question in all that cuz. >> I was like feeling sad, sympathetic with. you. No, no, no. What is with what is. with the rural Americans and their. obsession with FA? How after. >> Okay, I mean, let's be clear. Got. >> first instinct delete all my friends ON. FACEBOOK. LIKE, WHAT is with you people.

in Facebook? Like why is Facebook like. what are you? >> It's cuz I had my mom my I had my family. on my Facebook. >> Okay. But there's so many things to do. before deleting friends. Like go to a. hotel motel. >> Well, I'm broke so. >> Yeah. But I mean are you guys join like. you said everything's entertain. You. could have taken you could have spent. money. Okay. Okay. So what what happened. then at the end of that thing? >> Is that when you printed the papers? >> Yeah. Yeah. >> Okay. I think fair took us 45 minutes to. get. Now I understand why you opened. like before we filmed with that cuz that.

it's crazy how much context actually. deliver something. You you wonder why we. spend so much time on getting to know. people context it actually does matter. even if it's Springer and. >> anyway so yeah I deleted everybody gave. him the papers I said listen. >> do you forgive him for what happened? No, but. >> [ __ ] Cuz I was gonna say don't cause. him any real life consequences because I. was expecting her to say yes. >> Never mind. >> No. No, I don't. And he knows that I. don't. I don't agree with any [ __ ] How.

can you guys agree with any of it? I. don't want to. >> But you want to be together? >> I do want to be together because. >> So when you said, "Here's the papers. Get your [ __ ] together." What can he do. for you to not divorce at this point? So, I told him since the very beginning. of our relationship, I've been telling. him, "You need to go to a doctor. You. need to get on medicine. You have anger. issues. You've got anxiety issues.". >> Well, you hit first as well, though. I. mean, like, you're abusive. >> I have my issues, but he can attest.

I've I have gone through leaps and. bounds. to fix my [ __ ]. >> Have you guys been to therapy together? >> Yeah. >> Yeah. Once for. >> And one visit. He said he didn't like. her. So, >> she gave me a bunch of damn print offs. Like, what am I supposed to do with a. print off? >> I mean, maybe. I don't know. Here. Okay, here's here's the thing. I'm blessed. enough to be able to offer this now. Um, cuz it is hard to offer therapy and. therapists. And this isn't like a. sponsor partnership. I have my own. personal therapist that has helped me.

through things. And now that we're. getting kind of to the end of our. process, you know, he and I started. having a conversation. I was like, I. wish you could help people like my guest. like it. He's like, you know what? Let's. do it. So, I'm going to pay for you guys. to go to my own personal therapist. We. keep him anonymous. We call him Dr. D on. the show. He's really good. He's not an. enablement therapist, which I swear like. 70% of them are these days. He'll tell. you to shut the up and he'll kick your. ass verbally, okay, if you guys suck. So, you clearly you guys need help. But. do you you want to stay together after.

all this? Like, >> yes, because literally he's my best. friend. Like, he's been there for me. through a lot of hard [ __ ] I I've never. had. >> Has he not been some of that hard [ __ ]. though? >> He has, but he was with me when I went. through like leaving my family. completely and that took me months. >> Okay. I've seen people spend thousands. of dollars trying to lose weight and the. only thing they lost was the money. From. gym memberships to suspicious powders,

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fast growing business, Netswuite would. be my go-to. So whether you're making. millions or just trying to go to. netsweet.com/hammer. and download the free guide, Demystifying AI. All right, let's get. back to the episode. Then I hope we can. get you guys together. Let's get into. these finances. And I have a feeling. we're going to learn a lot more about. your guys's lore as we go. I just need. to start getting through this stack. [ __ ] What do you guys think your. household financial score is today? 0 to. 10. Zero being the best or zero being. the worst, 10 being the best. >> I got a 2.8. >> I would say zero.

>> All right. If you want to figure out. your score, sounds like he did. Go to. calebhammer.com. Take the assessment. It's free. Figure out where you stand in. detailed categories. Uh check it out. Caleb.com. And if you don't want to be. like a guest who ends up on the show, make sure to download the dollarize. budgeting app. It is the best budgeting. app for the average American. It is so. good. Check out a free trial. See if it. works for you. Most people take the. annual version after that because it. saves nearly 50% on your money. and you. get the physical version of my 30-day. meal plan signed by me, mailed directly. to you, and the digital version of the. cookbook as well. Guys, check that out.

dollar.com or just download the app or. go to all those links in the description. below. Okay, his mom's credit card. Okay, why are we caring about his Why is. this here? What What am I doing with. this? >> Uh, >> his mom's credit card. >> Not really much to do with it other than. I. >> What does this have to do? I don't feel. like I That's what I'm saying about her. income. It's not right because we don't. have enough money to pay everything. So. I my mom gives me her card and I use it. for gas and groceries. >> You're 30 years old. Your mother gives.

you work credit card to get gas and. groceries. >> I mean we went from making six figures. to nothing because she's in school. >> When she was working situation. >> when she was working, >> we were great. Was I I was making. >> like another 60. So we was probably like. 120. Okay. And we stopped that to go. pursue nursing. >> Yeah. So I. >> She was already a nurse, but advance. advanced. >> Well, the thing is once she's done with. her nursing school, she actually works. and you guys are together. You guys are. going to make maybe even upward of. together 200.

>> Yeah. And I'm going to nursing school, too. So, >> really? You're going to be a nurse? >> Yes. >> You can't see it. >> Isn't that crazy? I told him he would do. great in corrections. >> Yeah, maybe. I don't You want me to get. that violent? >> It's not in a women's prison. They don't. have a crack bed on me. I mean, >> [ __ ] you don't want to be in the. women's prison. They'll they'll get you. He'll them. >> No, they will him. >> That's crazy. >> Oh, okay. >> Crazy. I don't know why we're beating a. dead horse about me being her. >> I mean, I' I've been a drug dealer. I've. been this. I've been that. But I ain't.

been no. >> This isn't a $600 balance. This says. $600 a month. What does this mean? What. is like this mom's credit card? What do. I put? >> That's. most of our groceries and most of my. gas. >> Yeah, but like what's the balance? What. do you owe her? >> I don't owe her nothing. She said, "I. don't owe her nothing.". >> Oh, come on. And she does $600 on her. own credit card a month and you give her. nothing for it. She just pays for all. this he. >> for right now. Yeah. I'll get her back. >> But how much? We don't know. >> And just we don't we don't count. Like.

I'm going to get her back. She got me. >> You get her back. In what way? >> Probably like gifts or something like we. do. So what do I put down for this? >> No. It's not a debt. It's just what I'm. having to. >> But $600 a month. She does that. You. don't give it to her. >> Actually, it's $1,200 a month. Yes, she. does. >> She pays for our son's daycare. >> We can't afford it. We can't afford it. >> It's not 1,200. >> It's 600 plus 600 is 1,200. >> a month. >> See, this is where I'm the only one that. takes on the finances and I get. >> Why? Why aren't you participating?

>> Because I. >> cuz what? >> Look how frustrated he's getting. Anytime we stop we talk about finances, he gets frustrated and I don't. understand what the hell's going on. >> I'm just Okay, tell me how do we how do. we do the finances in this house, guys? give me some insight cuz clearly it's a. mess. Obviously you're not a part of it. but just like what have we tried to do? What's happening? >> He I'm sorry. He used to do it all the. time. He's kind of stopped being as.

responsible. So you're kind of seeing. like a role switch with us where I'm. kind of taking over the finances more. >> So you're getting it. >> I'm getting it. Like I've got to. >> And he's allowing this. >> Yeah. >> Yeah. Okay. So what's the issue? What. are you talking about then? Because. >> I wanted help the whole time. >> Why wasn't she? >> Because she just didn't know. I mean, she grew up where she didn't have to. worry about finances or money. So, like. it stressed her out. >> So, I intimidated me. >> So, I just let her be, you know, like, "All right, whatever.". >> But I'm not also I'm not going out and. spending a bunch of money like if.

>> Yeah. No, she don't. >> If he's like, "We don't.". >> So, you're the spender. Yeah. >> What are you spend Why? >> I don't know. Coping, I guess. >> Are you holding him accountable? What's. happening? What are the conversations. around the spending? I see bills are. coming up. I can't see his bills, but. like my debit cards. >> Thought you guys said you're combined. We are combined. >> How can you not see his stuff then? That. doesn't make any sense. >> Because the way the app is set up, I. only have my stuff and then he has his. stuff. >> Can you see her stuff? >> She We can't see each other's credit. cards, obviously, cuz we're not join. >> But isn't that managing for spending.

though? How can we budget if we don't. know where our spending's going, guys? >> No. Everything joint on the checking. account. >> Just checking. But you're not seeing. where the spending is, what the. categories are. Uh, well, I know what my categories are, but. >> that's not. >> I don't know what hers are. >> She don't leave the house. The. >> point. >> Yeah, that's another thing. I never. leave the house. >> Isn't the point for us budgeting. together is knowing where the money is. going. If she can't see it, how do we. know? >> Yeah, I get that part. It's true. But I.

mean, what what is she going to look at? That guy bought gas. >> Maybe she wouldn't know. I wouldn't. know. >> SHE WOULDN'T CARE. [ __ ] ON THINGS. Why. did you go to a Walmart and spend $50. four days in a row? >> Because I'm picking up groceries on the. way home that I'm going to cook when I. get there. >> and I grab a monster truck if they got a. new one. >> I literally have no idea what his credit. card li amounts are. >> I know that my credit cards I have one. that got a little high and I was like. freaking out cuz I was like, "Oh my god,

I've got student loans. I've got credit. cards. I'm not going to be able to do. this." And he's like 11,000. Those are. rookie rookie numbers. I didn't say. that's why I didn't say rookie numbers. I said those are rookie numbers. >> I said that ain't [ __ ] on mine that. we're literally living off of. So don't. stress about it. Like it's it's fine. Like we have to do what we have to do in. this moment until we graduate. >> What the. >> So I have an Excel sheet for me. It has. all. >> It's not going to work just doing half. >> Exactly. And she just made it like two. She just made it like two weeks ago. >> No, I made it like.

>> She look like she's been on financial. top of the world for the last year and. it's not like. >> I have No, I have not. But I have. recently been more serious about it. >> Yes, she has recently. Very recently. >> Yeah. Had Listen, nothing nothing that. anyone does when they know they're. coming on financial a coming on. financial a started doing all that. before he applied. >> When did you guys apply? >> Like not even a month ago. >> She you you said he said you were. starting to do this two weeks ago. >> She might have been a day in advance. She didn't know. But she did start. She. started before. But.

>> but it doesn't really count to me. Okay. So the mom thing, do I put that. anywhere? What do I do with that? >> It's just more of like a I feel up for. having to do that. >> You should to be confirmed. She spends. $1,200. You do nothing. >> in relation to that? >> No, he. >> in relation to that. >> Oh, yeah. Yeah. For daycare, I. >> She does that. >> I buy like a quarter of the groceries, a. quarter of my gas, and she buys. >> No, but of the $1,200, you don't give. her any pennies towards that. It's just. going to give I got to borrow. How am I. going to give? >> Oh my gosh. Okay, you're not. understanding my question. I'm just.

trying to notate how much I'm putting. down for like minimum monthly payments. and [ __ ]. >> No, no, just minimums. She spends the. $1,200 and you give nothing back. Correct. >> So, just put Yeah. Nothing. >> Thank you. So, I'm just going to cross. it out for because it doesn't even. matter cuz when we get to your Navy. Federal Well, you took it from $9,000 to. 2 $21,62.76. because you purchased $11,681. and only made the minimum monthly. payment anyway. So, what the are we. doing? >> I don't know. The minimum now is. $429.15.

$220 of interest acrew. What the? This. takes 32 years to pay off. >> That's why we don't have money whenever. I work my ass off. >> Your kids will be approaching this 40s. and 50s. >> That is. >> that's where you'll be in life cuz all. you do is the minimum. It's basically. maxed out. >> What the did you do? >> I lived off of it. We had to live off of. it because there was not enough money. I. My check is consistent. >> You push her to work more. >> I try not to. I try not. >> You might have to. >> Well, I feel bad because I want her to.

do good at school. I want her to have. her time. >> But you have to pay for the bills. I'm. sorry. >> He does. And I do. I go when money's. getting low and he's like, "Hey, >> not if you had grand is not it. That's. not her salary.". >> This was 11,681. >> Whatever you got for her salary. Like. that's not it. Like it's literally what. I said. Like 600 is the average. No, it's not. >> Cuz there could be a month with no. money. literally will go through and. work shifts left and right, back to. back, so that way we have a bunch of. money. And then he'll say he'll tell me.

while I'm working like, "Stop picking up. so many shifts. Stop working so much.". >> Why would you say this? >> Because she's a goddang uh hyper foc. Anyways, she'll she'll she'll go she. won't work for like three weeks and then. she'll just be like, "Okay, I'm going to. work Monday through Friday and not give. myself any time to do school work." I'm. like, "That's so. >> usually do that after I take my big. test. Then I'll crank out shifts. >> and then not do anything for. >> a week. So then the last few weeks that. I have to study, I have time to sit home. and study. >> But doing it that way.

>> Oh my gosh. How much insight did you. have into him spending all this money on. this credit card? >> We're living off of it. How you don't. know? Like, you know, we ain't got no. money. Where do you think shit's coming. from? >> Well, I didn't know that's where he was. >> That's Rule King Farm Supply. >> Oh, that's chicken [ __ ]. >> Okay. Well, you spent $22 on chicken. [ __ ]. >> That's what I'm saying. Well, I mean, I. bought the chickens, but I it's shit's. expensive. >> I wish I I mean, chicken, it sounds. nice. I'd love that, but I mean, this is. expensive for people who can't even. afford to take care of themselves and. their kids. >> Should we have chickens right now? I. don't think that makes sense.

>> Our kids definitely get. >> via credit cards. You can't afford to. You're not doing it. >> And then you add chickens on top. Maybe. we get rid of the chickens for now. >> Chickens are gone. >> Chickens are. >> We have We have two turkeys. >> We do have two. >> They died. You didn't give them away. >> They disappeared. >> No, they disappeared. >> All of them disappeared. Literally all. of them except for two turkeys. >> and they egg like dogs. >> Okay, time for the turkeys to go. Thanksgiving. >> Thanksgiving. They will be Thanksgiving. turkeys. >> I mean, is that not like. >> I guess it makes sense. >> Is that budget friendly? >> I've been a small town in city boy. I've. never been a rural boy, so I guess it.

makes sense. >> Yeah, >> you keep fanning them up. >> Oh, yeah. And they're fat. >> I mean, I just don't like how you refer. to them as dogs and now you're going to. eat them. >> Like, well, yeah, it's kind. >> Yeah, they're pretty cool. Like if I go. outside and I whistle our female turkey, she'll call back to me. It's pretty. cool. >> But she going to kill her. >> She She is. >> Well, she's a She's. >> It's a mercy kill. >> Yeah. She's a meat bird. So if they get. too old, they start having like really. bad life complications. >> Can't walk cuz she's so heavy. >> Yeah. So. >> So you got her for this purpose?

>> I didn't know what she was when I bought. her. I just bought it. >> He That she was part of the. >> I thought he was a dope ass white. turkey. >> Yeah. He that was part of the purchase. of Oh, we just got in a fight. Here's. some chickens. So they're nice to you. guys. Oh yeah, they're really nice to. [ __ ]. >> Yeah, you should. >> I could never be a farmer. >> I love to eat that [ __ ] but I couldn't. I couldn't raise then kill. >> I'm a [ __ ]. >> That' be tough. I'll probably just drop. him off somewhere. Take him to the. Amish. We live around a bunch of. menites. >> Well, you definitely stopped in the gas. station and got some energy drinks and.

[ __ ] Come on. $8. What are you. doing? I see the gas that you got before. that, so it wasn't that. What are you. doing? What you doing? Every morning I. take our three. >> or take our I work 5 days a week. So 5. days a week and I take our. three-year-old to daycare and we stop at. the store and I get. >> every day. >> two coffees. you doing? >> He gets a juice. >> What the [ __ ] are you doing? And a corn. dog. >> Why is WHY DID A CORN DOG the store? HOW. FAT IS THIS KID? >> HE He is not fat. >> He's got He's He's a He's an animal.

He's like a damn dumpster. >> He's He will be fat. >> All he does is run around outside. He. then turkeys. All he do is chase some. turkeys. >> Great. I'm glad we're killing them. >> I mean, he's he's a. >> You can't afford them. You probably. should. Maybe the kid, too. >> Okay. Um, you can't afford that. >> I know, but. >> make your coffee at home. >> I don't. >> do gamer subs if you need your energy. drinks. Someone was sipping a monster. I. don't know where it went. So, now maybe.

you need gamer subs. It's 40 cents a. serving. Get liquid assets especially. that's our flavor but you can get. whatever flavor you want. Free samples. link in the description below only with. code Caleb and then get gamers with a. 10% discount making it 40 cents a. serving instead of these multiple energy. drinks. So. >> what does it taste like? >> That's raspberry apple but there's like. a thousand other flavors. >> It's really good. >> We Well, dude, we we compared it to like. every flavor and this was everyone's. voted favorite. The raspberry apple. >> Delicious. >> Did you try to order a a sweet tea.

yesterday? >> Shut the [ __ ] up. I don't give a [ __ ]. about your that. >> what you're doing outside here. >> Shut up. Okay. >> The thing is. everything that you're doing with him. every day that is costing you eight. bucks a day, which adds up a lot. Cornbread. >> Cornbread. >> Sorry. Corn corn dog damn country. >> in the oven in the morning. Bulk buy. Costco juice. Bulk buy. Costco. Coffee. Bulk buy anywhere. He likes the ones.

from the store. >> I'm sure he does. I bet he would like. growing up in a household that isn't. financially stressed. And when you guys. get stressed, you start and beating. So, it's like, >> it's true. You want him IN THIS HOUSE? I. DON'T. THIS ISN'T the house of the kid. And you prioritizing that is. prioritizing the [ __ ] of the house. getting vaping. We're vaping. >> I mean, yeah, >> that's not good for you. And that's. expensive. $27.36 there. Come on.

>> That vape will last a month. >> Doesn't matter. You're putting it on. credit cards that you can't pay off. >> These are your We needed this to. survive. [ __ ] Corn dogs and vapes. Come. on. >> Hell yeah, brother. >> No, it's stupid. And you corn dogs and. vapes. Big automotive. 7,800 $5. What. did you do? >> That's a motor. That's an engine. >> Oh, yeah. His His truck blew up. >> Truck blew up. >> So, right now we've been. >> Wait, did you have other I swear I saw. somewhere you had other cars. >> I got multiple cars. >> Then why did you have to fix this one? >> Cuz I knew. >> Cuz the other ones don't run. They don't. run. Yeah. >> Can you scrap them for money?

>> $300. >> There you go. You said you have five of. them though, right? Take it and throw it. towards the cars. One, two. >> of credit cards. >> Like four. >> There is one. >> I'm not scrapping a 72 Chavevel. I could. sell it to She won't let him sell. I. won't let him sell it. >> Sell it. I 25 grand. >> Why? >> Because when he was going to This was. back in his Flores days. He had $20,000. cash. We were supposed to save it for a. house. >> I did buy a house. >> We went and looked at a L Lincoln. Continental. Yeah. >> And I said, "Hey, maybe we shouldn't get.

this car cuz we're saving to buy a. house." And he balled his eyes out about. it. So I was like, "Whatever, dude." And. then he went and bought his Chvel for. $12,500 out of the $20,000 that we saved. for the house. >> Not true. >> So sell it. What? I don't give a [ __ ]. >> Well, I don't want him to sell it. because you baldled your eyes out. Made. me feel bad. So give it. >> That's his choice then. >> I've offered. >> Sell it. What could you get for it? >> Honestly, probably like 22. Sell it, please. That. pays off this credit card. Now, I.

wouldn't immediately pay off this credit. card unless you close it. Unless you. change your behavior, or else you're. going to rack it right back up again cuz. it's basically maxed out. Corn dogs. >> Men's warehouse. Me. Uh, racing. >> Racing. $300 in racing. He said they. have to use this credit card to survive. >> Racing. $300. >> Racing. >> Something racing. $313.76. >> Okay. Well, I don't know what racing is, but Men's Warehouse I that I had to pay. >> for. >> to survive. >> in Men's Warehouse. No, I had to be in a.

wedding. >> I'm okay with that one. I'm not okay. with the [ __ ] when there's other. cars you can drive. >> I wasn't expecting to pay for Golden. Dragon and Taco Bell and Corn Dogs and. Corn Dogs and uh Sonic Drive-In. $53. there and a Patreon membership for $55. >> Oh, yeah. That was to uh I don't know if. y'all want me to plug him or not. >> You can say who it is. >> Damn. What's his name? Oh, >> I don't even know. >> It's the the British dude with glasses. He he covers everything.

>> You know what I'm talking about. >> Nope. >> Yeah, you do. >> No idea what he's talking about. >> Oh, he has like a thousand channels and. they're all like documentaries. >> Yeah. Yeah. What's the dude's name? >> I don't know. >> Yeah, you do. >> Guaranteed. I don't know his name. >> Did you subscribe to him? >> Everyone knows what he looks like and. he's bald. >> For the trials for the No, he's not. bald. What you talking about? He's like. He's like your age. Well, then I don't. know who you're talking about. >> I can't think. I. >> guarantee you his Patreon membership. does not have as much content as. Hammerly does. >> We did it for the David Trials. >> $55, dude. >> Yeah, I'm going to get rid of it.

>> Still $55. Hammerly's better. >> I already had Hammerly. I got it like 4. days ago. >> Best Buy. Uh, yeah. It's just corn dogs, McDonald's, and [ __ ] Dude, this is. insane. You have to stop. >> There's worse. I mean, >> it doesn't matter if there's worse. This. is still bad. I mean, for us, >> it's going to be thousands. Great. It's. going to be thousands of dollars of. interest this year. That is not good for. your kids. >> I know. I understand. >> Okay. You have another Navy Federal.

>> Yeah. >> Why not? You're just collecting them. >> I got three of you. >> Well, only the minimum is put towards. that. Thank no spending, but it's still. at $5,386.90. Takes 21 years to pay off. Minimum 134. It's going to be thousands in interest. this year. Wait, what's this? Is this. another Navy Federal? >> Yeah, I got three. >> If you or your child spent years growing. up on social media and experience. serious mental health struggles, you.

should hear this. Recently, a jury. ordered Meta and YouTube to pay millions. for their role in designing and. promoting addictive platforms. They knew. their apps could contribute to anxiety, depression, and body image issues, but. did not share those risks while. prioritizing profits. The recent. historic verdict underscores the. consequences of those decisions. Now, Morgan and Morgan is stepping up to hold. these platforms accountable for the harm. they caused. Click the link in my bio to. take a short quiz. You may be entitled.

to a potential recovery of over $1,000. Ladies and gentlemen, I got something. new to help you that we have personally. built right here on caleb.com. We have new Caleb Hammer financial. resources. They are the ones I would. personally use, which is why we made. them for you to use. As you've already. heard me talk about, personal loans are. okay, when you're good at debt. I. personally use them when I can leverage. them for a situation. So, we have good. personal loans on caleb.com. We also. have auto insurance now. you can check.

for free and see if you can save a [ __ ]. ton of money on auto insurance. Remember, none of this actually matters. if you continue the same bad behavior. So, it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal. loans to car insurance to see if you can. save a [ __ ] ton of money across the. board. Go to calebmer.com or the Caleb. Hammer Financial Resources part of the. pin comment or description below and. save a [ __ ] ton of money. No, what's. this? Wait, I have an August monthly. What is this account? What am I looking. at here? Dude, stop burping. You're a.

freak. >> I'm sorry. I've never got a [ __ ] ton of. water. >> It's water. It's not carbonated. >> That's a lot of gas stations. That's. probably me. Oh, that's what I'm living. off now. >> Oh my gosh. This is what you're living. off now. Cash advance. Cash advance. Cash advance. No cash. >> Antiques. >> Corn dogs. >> [ __ ] Filipino market. American. Eagle. That [ __ ] was gross. >> Journeys Kids. Palmetto Moon. Burlington. Stores. Old Navy. Corn dogs. Corn dogs.

Corn dogs. I think Dairy Queen maybe. Um, corn dogs. >> Brother. >> Sonic again. Corn dogs. Panda Express. Corn dogs. Smoking and vaping. Boot. porn. Academy Sports. Toy Store. $200. Corn dogs car rental. This is what you're living off of. 90%. of it is [ __ ] You're not living. You're having fun. This isn't living, dude. This isn't.

being a responsible father or partner. This is being a piece of [ __ ] who can't. control their wants and desires. >> Most of it is for my son. Doesn't. matter. You're putting his life, he's. going to have to delay his entire adult. life because you guys won't be able to. retire and he's going to have to take. care of you and we're not going to have. social security like we have today. >> This the way I this the way I see it. So. she her graduation day is next year. Mine is a few years after. But when she.

graduates, we're straight. And we were. good. >> No, cuz you're going to have to take. time off to go to school. >> I know. Well, no, no, no. Not not not. fully, but we were good before this. And. I I don't want to like him to pay the. consequences cuz you got to go to school. and I'm will be good. >> Will when you guys make more money with. your lifestyle, you're going to inflate. your lifestyle. That's what happens. every Oh. Who Who do you think's right? you guys in this situation or me who's. talked to a thousand versions of you? >> I don't think he talked to nobody like.

>> we're going we're going I was paying off. $2,000 a month extra and ju it pay just. now you're living this lifestyle where. you couldn't get it back. When you make. more money you will spend it all. >> on debt. Uh maybe I hope so BUT PROBABLY. NOT. >> based on just how everyone in this. situation does it because I know for a. fact you guys are planning on taking a. massive vacation the moment she. graduates. Oh, >> she wants a car. She wants a debt. >> That's a debt. >> She wants a. >> So, where's the Where's the Where's the.

vacation, too? >> Back to Disney World. >> Oh, back to Yeah, that's usually When's. the last time you guys went to Disney? >> Was it last summer or the summer before? >> Uh, yeah, it was a couple summers ago. We went for two weeks. >> How much did you guys spend? Probably. like 10,000 bucks. >> I don't know. >> 5,000 bucks. Insane amount of money. Ain't you going to do that again? Exactly. That's what's going to happen, guys. That card that I stopped using was. maxed out on that trip at Red Lobster. They come back and said I still owe like. $13 off the bill. And that's why I was. like, "Oh shit.". Again, Navy Federal, Strawberry, uh, um,

Metroplex there. Um, Corn Dog, Wendy's, Instacart, Pizza Hut, Rural King, some Strawberry Restaurant, barbecue, McDonald's. It's all [ __ ]. guys. You spent all your money on. [ __ ] It's only going to get ramped. up and worse. I've seen it every time. You can't tell me it's not going to. >> You're bullshitting. You're a. bullshitter. It's all [ __ ] man. >> The only thing it is is we're just. trying to maintain not having to.

>> You shouldn't be maintaining. This is an. insane lifestyle. This is unhealthy and. bad anyway. >> It is unhealthy and bad. And that's why. I've been getting even more stressed out. cuz I have no idea what he's doing. But. I know that it's. >> spending all his money to make. everything seem as if it's all right. cuz I. >> But it's not. But I can It's not It's. not It's not all right. >> And when I was working full time, >> it's not all right. You have to accept. that. But I can't deal with it. >> No, you can't. IT'S ALL GOING TO MAXED. OUT CREDIT CARDS. SOON YOU'LL BE AT THAT. CAP AND THEN THERE'S NOTHING TO do. except open more credit cards until next.

year. >> Yeah, I know. >> Until next year. I don't think you'll. make it to next year on this trend. They're going to be maxed out. You're. going to have to open personal loans and. [ __ ]. >> I've got I've got enough room left on. that. >> No, you not till next year. If she'll. work, I'm good. >> Sounds like she won't. And you don't let. her. >> No, no, no, no. Well, yeah, maybe a. little bit, but. >> but it's like it's unfair because we're. racking up the money. So, when I. graduate and I start in act and you want. to get to our. >> car my ass off. >> to pay all this off. >> It's all [ __ ] guys. Both of you.

need to sit down, look at your purchases. and spending across all accounts and. stop. >> We have another Navy Federal on yours. This is $11,500. So, it's $555.79. a month. >> That's he he put that up. I'm sure he. did. It's going to be thousands in. interest again. You have another Navy. Federal. We have a [ __ ] ton of Navy. Federals. Now, these are hers, though. At this one, we have $7,670.61. They're spending on here and interest. with a minimum monthly payment of. $2.762.

>> Yeah. I want to see what you spend money. on. Uh. >> I don't see. >> But she got her nails done and then she. got some [ __ ]. >> Is nails done not [ __ ]. >> It is. They're both [ __ ] It's. stupid. She gets them done and eats them off. >> There was nothing there. What did I take. off? I'm not getting them done anymore. I had I had to take them for you. >> But. >> now I'm not cuz especially can't afford. it. >> Well, I bought [ __ ] and it gets player. are in an emergency mode. You are.

Sam's Club synchrony card. >> 11 years to pay off. Why? Well, because. the balance is $1,94869. with a minimum. You're over the limit. See what I mean? That you're approaching. it. You're not going to make it till. next year. What are you talking about? >> I honestly don't know how they got over. the limit. >> We have great services at caleb. hammer.com. I wish you could take. advantage of, but it's not for you. You. could use the car insurance one. obviously, but we have personal [ __ ]. That's incredible. But not for you guys. because you'll every time you get access. to more money, you spend it. And this is.

proof. You shouldn't have it. It's for. people like me, not for people like you. So, you cannot open more credit cards to. get to the end of next year. And I know. that's what you're going to do. Instead, you need to accept that you're in a bad. situation and cut down on spending. That's what you really need to do. Minimum monthly payment $68. I tried to. get a a a personal loan through your. website, but I was trying to get it to. consolidate debt. >> And you shouldn't cuz you haven't taken. control of your spending. YOU SAID. YOU'RE trying to make it till next year. That is not the person who can. consolidate debt. You'll get in double.

the debt. >> I don't have enough income to do. >> Good. I'm glad you didn't get approved. Good. It's I've always. >> No, I got approved. Your interest rate. was just too damn high. It's like. >> probably cuz you have a shitty personal. loan then. That's cuz you. >> I don't have I ain't got no personal. loans. >> That's it, man. There's personal loans. that are good and it's for people like. me. I've always said this in every. single plug. I want to create financial. services for people out there like me. Like people out there, I've taken their. survey. Most of them are doing okay. You. are not. I've said in every single plug, YOU SHOULDN'T DO IT. WHY ARE you doing.

it then? Why won't you listen to me? I. just don't got enough money. No, it's. cuz you're looking for more debt to be. able to spend. >> Whenever I did have a job and I was. working full-time and he was paying off. debt, I feel like he never spent any. money. >> No, I didn't. Cuz I was paying off debt. Like, >> but now you're spending all the money. You're going to go to all spending. everything. >> So, why spend then? WHY DO WE SPEND when. we have no money? >> Cuz I'm in I mean, yeah, that's up. But. I'm not going to just I can't go to what. what's what's the other dude that does. financial? Yeah. I'm I'm not going to be.

rice. >> Yes, you should. >> I mean, should Yeah. Not. Yeah. >> Well, then what what are we talking. about then? If you're not going to. sacrifice anything, go [ __ ] yourself. >> I want to sell a car that's like my. dream car. I'm cool with sacrifice, but. I'm not. >> But not sacrifice enough to actually get. you there. >> Well, my son won't notice a car gone, but he going to notice if he can't have. no more toys and Yeah. He's three. He. has a lot of kids. He's ready for a. 12-year-old. If you go through life and. if you have any kind of discipline for. the kid, if you have any kind of. parenting abilities, you can get them.

through it. My parents did. You can. I'm. fine. >> I thought you came from middle class. >> No, no, I say so. >> No, you're not. >> No, no. Born poor mostly came up lower. middle class. My parents are certainly. middle class, maybe upper middle class. now, but not during my youth. That's. just cuz she went back to nursing. school. That was really good. But again, that was like by the time she completed. that. I was in early high school, so I. didn't reap the benefits of it. And my. dad's been successful now. But that was. only after I went to college. So, >> so that's where I feeled up because I. feel like we went from middle class, damn near pretty probably upper middle.

class down to lower class. And it's hard. to make that transition of like, >> guys, I'm sorry. Not going and going out. to eat every single day multiple times. is not lower middle class. >> Cutting that back is not all of a sudden. lower. You wouldn't know lower middle. class. Come on. Lower middle class is. your utilities get cut off. Foreclosure. notices on the house. You not being able. to get a corn dog every day is not lower. middle class. Shut up your privilege. You're acting like a American. >> $6,768 on this synchrony card. Minimum.

payment made146. Takes four years to pay. off. Who even knows what else? I don't. know. >> Okay. Oh my gosh, THERE'S SO MUCH HERE. >> DAMN, that is thick. I know. >> It was for your HVAC. See, if you're. able to get HVAC, you're not lower. middle class. Shut the up. >> Wait a second. >> We live with no HVAC for 6 months. >> And that's horrible. That sucks. >> It was hot. >> $2,236. is your. >> Apple card. Cuz I paid that off to zero. And I said, "Don't use it.". >> Exactly. Cuz neither of you can do this,

which means both of you need to do it. together. Go through our master your. money program. Learn budgeting, learn. debt. You guys are. >> $2,236.34. >> Yeah, my Apple card gets a little crazy. cuz I I forget. >> $72 your minimum. She forgets your. wallet. >> Put your debit card on your Apple Pay. That's. >> what I've said. >> And then I did that, but one day my. debit card got denied. >> Then you shouldn't be spending money. >> Well, I know. Vanilla Bahala. >> Oh, that's on some weird crystal [ __ ]. $73. What are you doing?

>> I bought like a tarot deck. And. >> stop. This is pathetic. [ __ ]. >> I don't do that. That's If you go. through my statements, I do not. I'm. sorry. This was literally less than a. month ago. Like, shut up. You can't. guys. You can't do You can't not. >> misbehave for the two weeks knowing. you're coming on financial audit. >> and say your entire life changed. Like, shut the up. This is what you just did. as you were applying. So, shut up. Just. stop. Just stop. This is a cope. This is.

A COPE. YOU KNEW IN THE LAST TWO WEEKS. THAT YOU WERE GOING TO BE ON. SO, shut. up. >> Okay. And what did I buy? >> Voodoo. I'll tell you exactly what you. bought less than two weeks ago. Uh, weeks ago. Voodoo. Fandango. Jack in the. Box. McDonald's. Voodoo. Fandango. >> I ran into a movie. >> So, that's what you did. You. >> So, shut up. This is cope. You're giving. me cope. >> I don't even know. What does that mean? I've never heard that. Cope. >> Yeah, like a coping method. >> Coping mechanism. >> What did you call it? A coping method. >> Oh, synchring Amazon cart. Looks like.

it's his. You guys, he's spending money. No, he's not. >> Interesting. Shut the. >> What? You were spending thousands on the. other car. Shut up. >> I got to live. What do you mean? >> Is that what you were telling her when. she was trying to kick you off? I got to. live, woman. >> I don't know what I said. >> 621. [ __ ]. >> You were confused? cuz I thought she. >> Yeah, he thought I wasn't on stop. >> Go jerk off in the bathroom. >> Yeah, I had sights 2020.

>> I mean, come on. The fact that you made. it to finishing is kind of wild. That's. what I'm saying. >> Kicked him. >> Finishing. I kicked him off of me, launched his ass to the end of the bed, and while he was rolling backwards, he. finished. >> That's crazy. >> Yeah, that's crazy. >> He's into it, though. >> You have an Apple cartoon, and you have. hundreds of dollars, >> No. Uh yeah. >> Oh, she must be spending on it though. I. don't I don't even have an iPhone. >> This mother. >> matters. I don't spend on a card. I. don't have. >> $359.39. It's a physical card, too, dude. $50. And you could have spent previously.

>> Yeah, it's probably I keep physical. >> Splendies. >> Splendies. >> Your T-Mobile bill and Roku. >> That's pennies for her. >> Subscriptions. >> Yeah, I buy stuff for her. >> Also, you just got rid of your iPhone. >> What are we doing? >> PayPal. Okay. Yo, just $671, dude. Just like pay. that off. Uh, the minimum is uh. >> like 30 or something. >> I'll pay it off. I don't even care what.

the minimum. >> 40. You're pass due. >> Huh? It's $40. Pass due, [ __ ]. >> That must. >> And a late fee added. >> Amount pass due. >> How the my $7 pass due? I must have. >> Oh my gosh. AT&T collections. >> That's our. >> Oh, okay. Hold on. Hold on. Hold on. I. have disputed this multiple times. >> I don't care. It's on there. >> Shouldn't be. >> Okay. Mortgage. >> 118,865. I guess it's not that higher cost of.

living area. Like I said earlier, place. is cheap. Not 6 years ago. >> It is a higher cost. We just got a cheap. house. >> You got a good place. >> Um, okay. What's the 4%. That's. wonderful. What's the minimum payment? $1,77.72. You owe $118,865. Oh my gosh. Okay. Student loans. >> Yeah, those I'm just paying the interest. on those. >> Yeah. So, what's that payment? >> One is $32 and one is 25. The $25 one is.

a set amount. I have to change it. So, I. have to go back in there and. >> I'll put it for 57 for now. Your student. loans are $21,53947. I don't think you have to pay the. interest, but I'm not opposed to you. doing it. >> That's what I'm was going to ask you. Uh, so if are those good faith payments. to even go in towards the balance at all. or just straight. >> interest? But with it being 6.39%, I'm. not opposed to her doing it, especially.

since it's not a make or break for your. budget. You can pull it back if you want. to if we're being aggressive because. there are higher interest rates in your. debt, but I'm not freaking out. Okay. I already looked at your student loans. Okay. This Navy Federal is this one I. already went through. 4,895. >> No, that's hers. >> Oh, I already I went through hers, too, though. Is this an additional Navy. Federal hers? >> Yeah, I did. >> I went through two of her navies. got.

three. >> No, there should be one. That's. >> an additional. >> No, that should be one of those. >> Okay, you got more. >> No, I should only have two keys. >> Okay. Well, we already did that. >> Should I tell you? >> So, this Navy is Well, we've already. done that. Okay. >> So, I ain't that not that bad off. >> Well, you have Navy federal car loans. Is that those? >> I got one. Yeah, most of them are paid. off. >> Uh, okay. 3,590. Does that sound like one of.

them? You said 3,000 590. I'll say this. Navy federal. >> That sounds like a credit card. My truck. should have like 6,000. >> Is this Navy Federal student loan? >> Yeah, I. >> They're all Navy Federal. >> I got my student loans through Navy. Federal. >> Oh, this is an additional student loan. This is like a private student loan, not. federal. >> No, the student loans on here. Oh, wait. a minute. Were these the Moila ones? >> Yes. >> Okay. So, yes, I have two private. student loans. >> Oh my gosh. which I and I have to get. more until next year.

>> Yep. I co-sign. >> Great. Or you could cash flow it mostly. with how much money you're spending on. [ __ ] So $4,895. and it's 25 bucks a month. And then. whatever this other one is, which I. think might also be student probably is. $3,590. Great. So we're in the world of getting. private student loans now. $31 a month. there. What a joke, guys. Okay. Navy Federal. No, I'm back to Moil. Okay.

>> The Moilas I don't have to pay on until. I graduate. >> You're just doing interest, right? Or is. that the one you were talking about. earlier? That was the one you were. talking about earlier. >> My private ones. I. >> I'm stopping that. Okay. Got it. Um. financial aid. Oh, him. >> I got. >> You already owe You owe 27,276. You're in school right now. >> I school and work. >> You guys are borrowing everything. >> literally. >> Okay. Well, no payments yet, but. >> probably not. >> will be.

>> going to jump. >> Is this This You have private student. loans as well, dude? >> Yeah. Dip federal, >> huh? >> Federal me. >> What do you owe on that a month? $1,414.65. >> Probably like $25. >> This is insane, guys. This is insane. My gosh. Okay, more debt. This is like. It won't stop. I mean, we're trying. >> That's why. >> No, you're literally not. You're.

spending so much on [ __ ] Do not use. the word try with me. >> Someone's carrying and No, you're not. You were spending on [ __ ] too. You're trying the last two weeks. I will. never allow that in this show. >> Yes, I have your account from less than. a month ago. So, shut up. >> I mean, yes, I HAVE SILLY. >> SHUT UP. BUT anyone. any amount of money, it's still not. trying. Up. I I. >> Shut the up. Shut the up. 6.29% on this. car. What car is this? This $6,113.

>> So 2011 Tundra. >> And is this the one that just up? >> Yeah. It's getting a new motor like this. week. >> Good. You spent double the balance you. owe on this, right? >> It's a good truck. >> Is it? >> Yeah. Now I done put. >> 4,800. You just spent 6,000 to get a new. motor. >> That's cap. You know damn good well. Toyotaas. There ain't a You could You. couldn't find a burn up Toyota. >> This is KBB. I don't know, man. >> I know. Well, >> $17353. a month. The interest rate isn't the. worst. Oh my gosh. >> What's the. >> other? >> Okay. Is there's another car with Navy.

Federal? >> No. >> Right. 6,124. >> That's my truck. >> Okay. So, this is Yeah, that's on there. >> Oh my gosh. Finally through the debt. $5. in savings. Incredible. $67 in checking. account. Corn dogs [ __ ] McDonald's Netflix. corn dog [ __ ] Corn dog [ __ ]. Corn maybe [ __ ] Check to supply. I. don't know. Corn dog. Snapchat. We're. paying for getting our Snapchat. Come.

on. >> We got a streak. >> Oh, you guys are so pathetic. Instead of. taking care care of your kid. [ __ ]. Corn dog. Amazon. Corn dog. Golden. dragon. McDonald's. McDonald's. Maybe [ __ ] Definitely [ __ ]. Corn dog. Corn dog. PlayStation. [ __ ] Nails again. Corn dog. Corn. dog. [ __ ] Corn dog. Snapchat again. Disney Plus. Sonic. [ __ ] Corn dog. Corn dog. Snapchat. Okay, guys. Keep the.

streak up or don't. >> How many times you going to pay for. this? My gosh. >> PlayStation. Corn dog. PlayStation sake. Panda Express. What a This is pathetic. >> I don't even like Panda Express. >> Retirement 1,749. You're incorrect for. that. >> Okay. Uh. >> Panda Express is awesome. So. >> 118 in your acorns. Oh, his retirement. 42,000. I actually enjoy that. >> Wow. That's actually. >> So the checking account that I've spent. since we've been down here and just to.

be fair cuz we did spend quite a bit. >> What are you telling me? >> Uh well the checking account balance is. less than what whatever it says on. there. We've spent some money since. we've been down here. We we we get. tattoos when we go places like but we. ain't never been or do something we. ain't never done. So we got tattoos. yesterday. got a bat. >> Literally landed, went ate Mexican and. then left Mexican and went got tattoos. >> Look at it. >> So again, you guys care more about your. own things than your kids. Like I I have. no energy to give to that anymore. Yeah. Congratulations. Okay. Very good. Is. that me?

>> Yes. >> You could tell. >> Is that permanent? >> I mean, it's a tattoo. >> Oh, buddy. Oh, buddy. What have you done? But does. it look like you? >> Uh, I mean I could tell it was me. I. guess. >> it look kind of on it. >> Um, >> like with the glasses, >> mustache. >> I wouldn't say so because of the beard. >> Well, I mean, I went to Walmart last. night and they I had two people ask me. why I got tattooed on my arm. I'm like,

that's not a Kelly Hammer. >> Okay. And what did they say? >> They're like, oh, okay. >> Sick. Okay. Listen, buddy. If you did. that, why I'm not getting one of you. back? Well, I wouldn't expect you to. >> How'd you get one of me, man? >> Well, to be fair, you weren't my first. choice. My first choice was a monster. truck. That's a good death. >> That makes more sense. >> I couldn't afford a monster truck. >> And then the. >> Why' you have to get a tattoo? Because. this is memorable. >> It's like.

>> It is. There will be a video for you to. >> Well, that's true. >> Like permanently online. >> Yeah. Well, now this is you permanently. on my arm. >> Yeah. So now like when he's old and. wrinkled and they're like, "What is that. grandappy?" He's like, "Well, back when. I was 30, I went on this.". >> Shut the up. I've gained weight since. then. >> You made a mistake. >> Oh, >> let me add. This is going to take me. forever. >> No, there's a little double chin in. there. >> Yeah, >> it's under the little beard. >> Well, thanks to Fat and Fatter. We're. getting to a triple. >> Hell yeah.

>> Debt payments not mortgage included. $2,2635. >> Wait, that's a month minimum monthly. Yeah, good. >> That's where you're at, dude. You won't. stop spending, you pathetic worm, >> including on me. >> Shit's not even funny. Like, he's not. even funny. >> No, it's not. But you're the one. spending. >> Enough income. >> I don't know what to do with you. $1,7722. is your mortgage. Gas, uh, uh, like for.

the home, >> gas, electricity, trash, sewer, water, internet, all of that combined. How much. for utilities? 300 electric average 260. Okay. Vroom vroom vroom vroom drive gas. both of you together a month. >> Average. 400. Car insurance how much. >> alltogether?

195ish. >> Not bad. Phone bill how much? >> Uh that's 150. >> is it? No, it's 125. I got it to go. down. >> Okay. Uh, groceries. I'm going to do $900. Meal prep, meal. plan, warming up meals, but you're. buying them, cooking a few times a week. Meal prep. Meal prep. You guys are busy. anyway. You should be working your asses. off. TP fund. Anything else for you and. your kids to survive? $300. What that is. changes every single month, but it's the. basics. It's the necessities. Are there. co-pays medical on a monthly basis?

>> No. >> Is there a gym? Uh yeah, cuz we got. prescriptions. >> Okay. Just how much then? >> Yeah, it's probably like. >> 50. >> Is there a gym? >> No, we don't. >> Yeah. What What current pets are there? >> Got. >> We have three dogs, two cat or one cat, and two turkeys. So, probably like what? 200 and feed it. >> They'll go through one big bag roughly. in a month. That's. >> for all pet supplies and [ __ ] How much. a month? >> 60 plus. That's like 200.

>> No. Hell no. It's like 120 maybe. Okay, I'll do 150. meet you guys in the. middle. Uh, okay. I mean, you have to. get some pet insurance for the dogs and. cat. >> Yeah, my mom sells pet insurance. >> I'm going to say $200. Oh, she pays for. it. >> She No, she sells pet insurance, but she. said I shouldn't get it. >> Yeah, I. >> Well, then she sh sells [ __ ] pet. insurance. It saved my ass many times, let me tell you. If they get in trouble. and their life shouldn't be dependent on. you being [ __ ]. >> Yeah, true. >> Um, okay. And, uh, your mother takes.

care of some other things. Well, she. takes care of groceries. Do I cross that. out? >> You can take three quarters of it out. You can put us on 300. >> I'll put you on Okay, I'll put you on. 300. Uh, so I don't have to do daycare. and [ __ ] Um, anything else that I need. to put in this budget that I have not? >> You got the auto loan in there? >> That's in the minimum monthly payments. >> Okay, then. Don't think so. No, I think that's all. of it. >> I'll try to give you subscriptions of.

100 bucks. You choose where that goes. You need $5,420.75. to survive. Obviously, we don't make. that. The reality is, and that's with no [ __ ] spending, you need to make at minimum $2,500 a. month to survive. So, you need to go do. that right now. You need to make sure. you're doing that. If you hit that, then. you can stop working for the rest of the. month. But that's what you have to make. net minimum. And then that's with all. your income included. You guys are. budgeting together. You're going through. every statement together. Your plug will.

gain it all in a dollar which you guys. get for free forever. You're seeing my. therapist and I'll pay for that. And then once you finally graduate, yes, that'll help you. That's still the. minimum you need to make when he takes. more time to school. You need to make. 5,000. 5,500. minimum to survive. And once you graduate school, we're. talking a couple years and you can start. hammering at this debt. And it's going. to take maybe a couple years. So, with. your strong income, maybe a few years, but you're going to sell your cars, pay. off some debt, but nothing matters until.

you change your behavior first. You. don't survive. She doesn't make extra. money until you change your behavior. because it won't matter and won't make a. dent in anything. You won't survive if. you still spend all this money. So, she. needs to make extra money, yes, but you. need to reel in your behavior now. Your. [ __ ] spending was a minimum like. 2,000. >> I got. >> minimum 2,000. It was more gas station, too. So guys, it's crazy. Whether or not. this relationship could be saved, I. don't know. You need to go to therapy. You need a budget together. And you need. to get your [ __ ] together. You need to.

stop spending this money. You need to. stop being abusive. You need to seek. help. That's what we got to do. So. that's what we're doing at least until. school finishes and then everything. changes. So, but that's what I would do. for now cuz right now you're focused on. survival. So, let's focus on that. I'm. going to call his mom in the post show. and get her opinion on what happened. and we're going to see. And you know, that's going to be crazy. And as always, there's so much more we didn't talk. about yet. Let's get your hand financial. score first, though. Spending in a. budget, you overspend 0 out of 10. Debt. collection, 0 out of 10. Emergency fund, there's nothing. 0 out of 10.

Retirement, this is where there is. But. for making up for you guys, both. together for your age, it's still only. about a 4 out of 10. Real estate, what's. your house worth? >> About 235 out. >> Okay. Real estate's really good. Still. loan, so it's technically risk, but 8. out of 10. It's basically as good as you. can get until just a house is like fully. paid off, which is fine. That's not a bad thing. So that's what saves you. Hammer. financial score 2.5. out of 10. Get yours at kaleammer.com. for free. Now join us in the financial.

auto post show an extra 20 minutes of. this episode. It's always juicy. It's. always crazy. Three premium shows a part. of Hammer Elite every single day, 6 days. a week. It's incredible. That's why. there's over 120,000 monthly active. members. You can join on YouTube by. clicking that join button or link below. or you can download the Hammer Elite app. or go to hammerite.com. It's the same on. both platforms. Just want to give you. more options. I'll see you in the post. show. Let's see what your mom thinks. We. wanted to call and they want your. perspective on something. They told the. story about a few weeks ago when uh what. she said is she uh here.

>> No, I don't think so. I think um. >> and that's why I said I have no help. >> I just launched the brand new Hammer. Elite app available on every major. platform so you can watch every show. anywhere you want. You'll get three. exclusive dedicated shows every single. day Monday through Saturday. Refer a. friend after you sign up and you get an. additional 30 days of Hammer Elite. access for free. Download the Hammer. Elite app by using the link in the. description or pin comment down below. This is the best membership you'll ever.

join. And that's a promise. I want you. to be on the next episode of Financial. Audit right here in Austin, Texas. If. you think you have interesting finances. with an interesting personality or a. story or a life or relationship, I will. personally pay you to take time off of. work, fly you down to Austin, get you. personal transportation, a hotel, food, and we'll have a great time hanging out. Go to kale.com/apply or click that link. in the description below.