Gold Digger Keeps Destroying This Mans Life | Financial Audit

I kept telling him, I was like, "You're. going to be my future husband. I'm going. to kidnap you. You're going to come live. with me.". >> How many months was this in? >> Like 3 days. I'm going to myself. >> So, you already had nothing before you. met me. So, if I kick you out and you go. back to nothing, nothing changed. >> You said you took control to make it. better. >> I'm making it better. Yeah. I'm a master. budgeter. Like, I'm better at you than. budgeting. >> I'm going to give you a direct quote. from her pre-in when it came to her ex. I knew I didn't want to be with him, but. his family had a lot of money. Where did. she rescue you from? What does she do.

with your money right now? She is using. you, my friend. Galwise is finally here, sending waves through the personal. finance world. This is officially now. the best budgeting app on the market, and I'm giving you a special deal to. download. Get a free trial to test it. out. And then you get the monthly plan. at a 33% discount for the first 3 months. or the annual plan at an insane. discount. And most people sign up for. the annual version cuz this saves a lot. of money. and you get my detailed 30-day. meal plan signed by me, mailed directly. to you, plus the digital version of my. cookbook [music] for each recipe. Don't.

miss the opportunity of a lifetime. Download Dollarise and start your free. trial. Go to dollarise.com or click the. link below. 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 kalepammer.com/apply or click that. link in the description below. >> Hi, I'm Amanda. I'm 27. I'm from.

Brighton, Colorado. >> I'm Zach. I'm 39. I'm from Brighton, Colorado. >> And this is Financial Audit. >> It sure is. What an age gap that Twitter. and Tik Tok would not like. Even though. you're a 27-year-old consenting adult, that is big. How long have you guys been. together? >> Like 2 months, 2 and a half months. >> Oh, fresh. More like four. But. >> no one's counting. >> Well, I mean, I guess if we're talking 3. [laughter] months, 4 months is not the. biggest gap. Oh, okay. Huh. So, I'm.

doing a financial order on a fresh. relationship. I mean, okay. I guess I. should ask qualifiers out of the gate. We're not married, right? >> No. >> Okay. Are we engaged? >> No. >> What was that? >> I go in blind. So, I'm I actually don't. know. >> She's still legally married. >> There's no ring. >> What is it [laughter] with people on the. show and already just like just not. wrapping up their divorces? Like, what. are you doing? Are we not trying to. move? I'm going to court. >> Why are you going to court? What are you. doing. >> for a divorce?

>> I'm in the process. >> Okay. A. Immediately after that. >> Wait, people Okay, so people who come on. financial audit, they apply like. multiple time. When did you apply? >> Um, like. January, February maybe. >> If I'm doing the math. >> Yeah. Yeah. Math check. >> You weren't together when you applied to. come on. You were Were you with the. other guy? >> Yeah. >> You applied to come on with a different. guy.

>> Yeah. My ex-husband. And by the time you. came on, you have a new man, a new. little toy with you. >> I kidnapped him. >> Okay. Yeah, that's weird. I don't think. that's ever happened before. Um Okay. Well, I guess we'll get into that and. get the context for this conversation. But let's start with you, Amanda. What. do you What do you do for a living? >> Um I work with him doing landscaping. >> Is that how you found her? >> No. >> No. [laughter]. >> What? So, you attached yourself to him. and started working with him? >> Yeah.

Well, maybe the age gap is a little. weird. Not because you're not a. consensing adult, but because like what. was the incentive to get with him? Was. it to you've attached yourself to an. older man that has a half a decent. career? >> Yeah, I needed my rent paid. >> Uhhuh. But it seems like the incentives. to get with him might be a bit flawed. >> Love you long time. >> I see. >> You work for him. >> Perfect logic. >> Correct. You work for him. Correct. I. work with him. I'm a partner on the.

business now. >> A partner? She's a partner now? >> Yeah. >> How's she a partner? >> Yeah. >> What does that look like? >> No. What does it look like? >> Owner. >> What did you When did you start this. business? >> A year ago. >> And you just because she sucked your. clutter be a 50% owner? No. I like. actually legit. >> like that's not that's that's not even a. heha heeiha. Like I'm a man. I know. this. Weinging, we go crazy to get a. little nut. [laughter]. Again, not a joke. That's an actual real.

thing. Are you giving up 50% of your. business because the glue? >> Well, she's put a lot into it and. [clears throat] basically started it up. again from nothing. >> Well, it was nothing four months ago. What were you doing when you guys got. together? >> Uh, he lost his truck, his trailer, his. tools. >> And so when I found. >> You started it a year ago. How'd you. lose all that in like 6 months? >> I was in jail.

>> Yeah, I usually laugh when I go to jail. >> Me, too. >> Who' you murder that we're laughing. about? >> What' you do? >> It was probation violations. I was in. the. >> Why were you on probation? >> Uh, domestic violence. [sighs and snorts]. >> Okay. Financial Auto seems to have two. things that happen every episode. I. don't know if you guys are catching on. Either they're cheating on each other or. they're beating each other. Who' you beat? >> Uh, my ex. >> What' you do? >> Um, I don't really remember. I was in a. blackout, but attacked her.

>> What did she say you did? >> Um, like attacked her. [snorts]. >> In what way? >> Uh, like elbowed and kicked her. It was. all. >> one time. >> Um, >> yes. >> Why wasn't that a Yeah. immediately? Why. was that an um. >> Well, again, I. >> Yeah. like win the. >> How many times did she say you beat her? >> Just once. >> This doesn't concern you as a kind of. tiny woman. >> Yeah, >> actually I have a DV as well.

>> What is this? I promise we will do a. financial audit on them. I I really do. >> What? >> It's the It's the same thing. I I think. I've been almost charged with three DVs. on my ex's. So, it doesn't concern me. >> Yeah, I did it. So, what? >> Well, it was the last one. It doesn't. concern you. Okay, great. Yeah, great. >> Yeah, I'm glad you guys are so.

nonchalant about the way. You don't give. a Do you guys actually not care that. you've literally beat your exes? Like, that's insane. You guys are a piece of. You guys are pieces of. >> No, he deserved it because he was a. piece of. >> Okay. What did he Well, exes. You said. exes. So, it sounds like there's more. than just one. >> My first ex-husband was physically. abusive. >> Okay, then hit back. That's fine. What. about the other one? >> The other one, my most recent ex-husband. was also physically abusive. >> Was he actually? Because here's the.

thing. He owns this He got the. classic against me. >> What the then? How would you get a DV. against him if you were defending. yourself? That's not a DV. >> Well, no, I wasn't defending myself at. that moment. But he was on it. But it. doesn't matter. You were just beating. his ass. What did you do? >> Cuz he was abusive and he was cheating. on me and I found out that he. >> Oh my gosh. Okay, so you guys are. hitting both things. Cheating and. abusive. >> Also, I was pregnant at the time. >> Who's the. Cuz that's usually the three things. [laughter].

>> We'll learn. I bet you it seems to be I. don't [laughter]. we we had a couple weeks of everyone. coming in here and saying the n word. then we had now we have like a few weeks. of everyone cheating on each other. beating each other and touching kids. Which one touched a kid? No. >> Uhhuh. Yeah. We'll see. >> I think it was you. >> cuz look like you. [laughter]. >> Not again. >> Not again. >> It's a joke for Reddit out there. Oh my. goodness. For Twitter and Tik Tok and. whatever. Okay. Whatever.

leaning into it. Heha. Heha. You. What did you do to him? >> What did I do to. >> the guy you got arrested for? >> Yeah, I hit him. >> Why? >> Why? Because I went through his phone. and I saw his call log that he was. calling other girls while I was pregnant. with his kid. And so I went outside and. I said, "I want to talk to you." And he. didn't want to come inside and talk to. me. So I went out to him and I was like, "Come on, let's go inside." and I start.

grabbing his arm and he was like, "No, this I'm leaving." And he was going to. leave with all the money and spend it. instead of on the bills. And so I hit. him. >> To be clear, you are both villains. in life. You beat your exes. Not in. self-defense for that. Sounds like they. did bad things, but you didn't hit him. in in self-defense. It was when you. caught him doing something bad and you. beat the out of him multiple times. since this happened. >> Well, not beat the out of him. It. wasn't a little slap and he called the.

cops. >> Well, he didn't call the cops. The. neighbors saw it and the neighbors. called the cops. >> You both are villains and bad people. Usually I don't learn that until like 30. minutes in. I guess I got it before. 10:00. >> That's not a good thing you're laughing. Why are you laughing? This is not a good. thing that you guys have beat people. >> Well, stop. >> Why' the heck go backwards? >> I don't know. [laughter]. >> You guys are in and out of relationships. >> pretty quickly. And you give her 50% of. the business. >> Yeah.

>> Both DVers. Is there a written. agreement? >> A written agreement? No. >> Yeah. That's an agreement that we write. >> No. >> No. >> Okay. So, I wouldn't be so confident on. the owning 50%. What happens if you guys break up? We've. only been together for a little bit. How'd you guys meet? >> Um, we met on a dating app. >> What dating app? >> Upward. >> What's that? I've never heard. >> It's a It's a Christian dating app, but. >> domestic abusers. >> It's not for goody two shoes Christians.

It's like for. >> It's the naughty Christians. >> Yes, it is. >> That's a thing. This is like Christians. without the religion here. >> No, this is the people who like theyed. up in their past. They want to do. better. They're trying to find somebody. who they can grow with. >> Wait, so to be clear, it puts everyone. that's up together instead of. people who are fed up getting with. someone who's not up so they can. do better. puts two up people. together, which is going to create like. a nuclear bomb that goes off. You said. kids. Who has kids? How many kids? >> We both have kids. Of course you guys. do. You guys are.

>> You're a. >> What? [laughter]. >> Oh, you're a. >> Thanks. >> I mean, you have I mean, lots of exes. >> I have three baby daddies. Yeah. >> Yes. You're a. >> He's going to be the fourth one. >> Oh, this is already pl. Are you. pregnant? >> No. >> But you're planning. >> It's coming in the future. Yeah. >> Planned? How very soon? You guys have. been together three to four months. You. guys can't agree on that part. Why would. we Why would we create a baby now? >> Because my my time clock for having.

babies is running out because. >> I have 27. You have a little bit. We. don't have to rush into this. >> Got a little while. >> I think it like cuz it's called a. geriatric pregnancy after 30 or even if. you're pregnant. >> Sure. Modern medicine. And you also have. 3 years till 30. >> Yeah. But you're pregnant for 9 months. So, >> okay. Then give yourself 2 years, not 2. months. >> I already waited 2 years. I like. >> not with him. No, my baby's already like. over. He's one. >> Is this like an obsession she has giving. kids? >> This is like her [laughter] like passion. having obviously three babies. >> Yeah. So, you can't close your legs. We.

know. How old are they? >> It's It's my goal to have as many kids. as I can. >> with as many men as you can. >> No, >> really. Cuz you're meeting that goal, [laughter]. >> guys. This is not a good thing. That's. not even good for the kids. What are we. laughing about? >> It's good to me. No, it felt good. While. you're here, >> I was able to come here without any kids. because they have their dads and I can. just be like, "You're going over there. You're going over there. You're going. over there." And I don't have to worry. about it. >> How old are they?

>> I have an 11year-old. and then they're three, two, and one. >> So, and what about you? >> It's already time. >> Dude, you just had one last year. >> Yeah. >> One years old and you're on to the. You're trying to get knocked up by the. next. >> It should be 3210. I'm already running behind. This is This. is breaking. >> That's actually crazy. You know that, right? That's crazy. >> What's going on here? >> Be close to each other. >> What's going on here? Huh? You want to. bring a fifth one into this? >> Well, he already has some. >> That's going to be solved by the time.

the baby's born. >> Doubt. Uh, seven and four. >> Oh my. With the one you beat, >> [snorts]. >> uh, the four-year-old is with her. Yeah. >> And who was the seven-year-old with? >> Another one. wife? >> No. >> How does the four-year-old feel about. you smacking the out of his wife? >> Um, well, he was he was four months old. at the time. >> Well, he just learned about it now. >> Yeah. [snorts]. >> Guys, this is insane. This is a this is. a family of six and we're actually.

talking about bringing a seventh in into. this into this. Do you understand the. disaster that is ahead of us in this. conversation? >> Yeah, that's why I said it's going to be. solved. But it won't be cuz this is is. okay. How much debt do you guys have? Combined. >> I you don't you don't have enough faith. in me. >> Uh correct. Cuz you guys are both. actually villains as we've established. [laughter] But how much debt do you guys. have? >> Together. >> Together. >> Oh, I guess his debt's not even. represented in this. It's just your.

debt. How much debt do you think she. has? You're about to reproduce with her. Shut the up. How much debt do you. think she has? Um, >> bro, >> 70 to 80,000. >> including the truck. >> Yeah, I included the truck. How much. debt do you have? >> Yeah. Is that a debt? Then it would be. included. >> Probably like 70,000. >> Well, you guys I mean you guys it's. closer to that 80. It's right under. 80,000. You're not cleaning that up in 9. months. >> 80,000?

>> No. Well, what do you make with your 50%. of this business. >> a month? Um, maybe like 10 grand. >> In her 50% she makes 10. >> No, that's entirely. >> I take all of it. I own 50. >> 50, but take 100. >> Yeah, that's how it works. [laughter]. >> Make that make sense. >> This is our This is our unwritten. agreement. >> She controls the the money and uh Yeah, I work. >> even after four. It's that good.

>> Yes. >> Yeah. >> Or are you that desperate? What? You. just showed me a flat chest. >> Yeah, exactly. >> What do you want? >> Exactly. It's all flat. That's the. point. It's all tight. >> Great. Great. Um, okay. So, how'd you. guys come to that agreement? >> Um, that's how I said it was going to be. and that was it. >> You You don't look like someone that's a. pushover, but you're. eh? Not really. >> Give me an example of not really.

>> He has no choice. >> I have more choice than she thinks I. have. >> Go ahead and tell me cuz I don't see it. >> I told him I told him he could either. follow my rules or he can be single. >> How are you desperate enough? >> And so she's not cute enough for that. >> I mean. >> for that I mean I mean you're like well. five so it's like. >> seven. >> No, your teeth are a bit up. I mean, I wouldn't just be single. I'd. be single. Homeless with no vehicle.

Home. Were you homeless when she met. you? >> Yeah. >> I was living a sober living at the time. >> God, you guys are a. >> He was like He was like a lost little. puppy and I adopted him. >> Is that fun? Is that what you do? You. groom old men? >> Yes. >> Again, she's not even like attractive. enough for this. I don't really. understand. But I guess if you're. desperate enough for living, you know, and what was your living situation when. you met him? Um, well, me and my ex had. a duplex together and he moved out and.

so then I was in the duplex by myself so. I just moved him in with me. Yeah. 3. months behind on rent. >> Good. >> Okay. Do you guys even like love? Did you even. Okay. Well, I know. I mean, of course, you're going to say it to protect it, but did you even love her? Or are you. just trying to get out of sober living? You're giving her 100% of your paycheck. >> He's very in love with me. >> She also legitimately kidnapped me. She.

got me arrested and I had to leave the. sober living at that point. >> What? Tell me what that's what. >> So, he wasn't even sober living. >> And I kept telling him, I was like, "You're going to be my future husband. I'm going to kidnap you. You're going to. come live with me.". >> How many months was this in? like three. days. >> I'm gonna kill myself. Go on. >> And he was like, "Lol, we just met. Like, I can't do that. I'm not gonna. live with you." And I was like, "Yes, you are. I'm going to kill you.". >> I was trying to be slightly responsible. for like the first time in life. So, >> and it didn't work. >> Yeah. Didn't work at all.

>> Then I was like, "Hey, like, okay." Cuz. I have two vehicles. I had two vehicles. at the time, the Impala and the. Escalade. And I told him like, "Hey, my. ex-husband has my Escalade or my. Impala." And. >> you have the title. Um, I have the title. to the Impala. >> Okay. >> He had the Impala at his house. And I. was like, "Hey, you should come with me. to come pick up my car. That way I'll. have two cars instead of one. And then. you can use it because you don't have a. car." And he was like, "Okay." And so we. go to go pick up the Impala from my ex's.

house. And he Yes. Pick up. >> Okay. >> So my ex called the police and. >> Well, cuz you were just taking it, right? >> He called the police and said there was. a random man at his house stealing his. car off of his property. >> Yes. And. >> yeah, she didn't tell me any of this. till we were like pulling up to his. house. >> Yeah, I didn't tell him. I told him we. were picking it up. >> But um so he got arrested that night and. then I bonded him out the next day and. because he got arrested, he was no.

longer allowed to go back to the sober. living days. And why would you steal a. car? What is she giving you? What is. she? This is my big question. What is. she giving you that is making you do. this kind of stuff 3 days in? I do not. understand. There is something wrong. with you that I don't understand. >> I give him acceptance. >> Is that what did you have? No one. >> Pretty much. Yeah. >> Go make a friend. >> Go to a group. I don't I don't know what. uh in Colorado is like, but. >> Well, it was actually like um so when he.

was getting arrested, like this is what. sealed the deal. He was in the back of. the cop car and like literally that's. the first time that he told me that he. loved me. in the back of the cockpit. Are you felt right at the moment? >> No. None of this feels right. >> That's when he fell in love. I was. getting him arrested. So. >> why you what do you what I Why? Why? Why. do you think you seriously? Why do you. think you. >> I already know why? Because when we were. first talking like we talked for like 2.

hours straight on the phone, like the. first second day that we met or that we. started talking. And I told him my. entire life story. And everywhere I up, he told me his entire life story. and. everywhere he up. >> Why would you guys want to be with that? Why not go for better? >> Accepted each other because we know how. it is. You know, happens. happens. But get with someone where. didn't happen so you could do. better instead of enabling yourself to. do more happens. >> I could never be with somebody who. hasn't been through because they. just wouldn't be fun and they wouldn't. >> I'm not saying you've been through. but done bad. >> That's true. >> You can go through without doing.

bad. >> I don't think so. >> So what's the dynamic right now? How are. these fin So this is just yours? >> Yeah. Well, okay. It would make sense. because you guys aren't married. Are we. thinking of prop? We're not thinking of. >> technically. We're not thinking of. proposing, right? >> Most of those bills. >> Are you thinking of proposing? You're. thinking of proposing. I see it on you. >> Guys, maybe sometime. >> Oh, I'm going to kill myself. >> Wait, how many ex-husbands? >> Two. >> ex-wives? >> None. >> Wait, I thought you Okay. >> Yeah. >> Technically, those bills are for the.

household, the truck that we use for the. business. with them. I understand. Okay. So since. >> so what's the dynamic right now? I mean. you said you take 100%. So what's going. on? What's going on in this household? The finances. How is it ran? >> We get paid on an account that we both. have access to. >> and then I decide where the money goes. So I pay all the bills from that. account. >> Who how how did we come to that. conclusion? >> Because for the first um for the first. month I was more like traditional like.

submissive like you take the lead, you're the man. And for the first month. when uh reminder within that first month. she got him to steal a car. [laughter]. >> Yes. >> Yeah. >> And so. >> yeah, very trad. >> So I let him have his shot at Glory and. um he failed. So I was like, none of the. bills are getting paid. You're not. sending me any money for any of the. loans I took out to um bail you out of. jail. So, um, I'm going to take all the.

money and I'm going to pay the bills. because I don't trust you to do it. because you've had a month to handle. stuff and you haven't paid any bills in. that entire month. >> You just allowed it to go away. >> I mean, >> without learning anything. >> Did it solve the problem? Look where you. guys are. >> It solved the conflict between us. >> So, what was the conflict? What happened. in that moment? >> Well, I was mad and he didn't want me to. be mad because he's in love with me. And. so I was like, "This is gonna make me.

not mad." And he's like, "Okay, if. that's going to make you not mad, I'll. give that to you." And so now smooth. things out between us, >> which I hate paying bills anyway. So. like, you pay the bills. I don't give a. like do whatever. >> Yeah. He hates paying bills and he loves. buying stuff. And I'm the opposite. I. hate buying stuff and I love paying. bills. >> So you don't spend any money. >> On my own. >> See what? See, there it is. Because But. on your own is money from the business. Are you so good? You're so good. >> Like whenever I get money, the first.

thing I want to do all the time is pay. all the bills. But if he takes me in a. credit union savings account, $5, you. make $10,000 a month from the business. Why is 30% not a set set aside for. taxes? >> So the only reason that. >> why is 30% not set aside for taxes? Isn't that kind of like get a child tax. return? >> Yeah, that's just you. What about this. guy? I'm going to be real with you. Your. debt is not the same as everyone else's. You've got your own unique mix of credit. cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are.

different. Your payments are different. Your life is different. So why do you. need some one-sizefits-all solution that. treats you like a number? Some generic. calculator that spits out just pay more. As if you hadn't thought of that. already. That's what sets PDS apart. They don't just look at your balance and. say, "Good luck." They work to. understand your specific scenario and. help provide alternative solutions to. becoming debtree. Whether you're. struggling with credit cards, personal. loans, collections, or medical bills, PDS Debt has customized options designed. specifically for you. Not your neighbor, not some average case study, you.

They've helped hundreds of thousands of. people get out of debt. And here's the. thing, there's no minimum credit score. required. They're not here to judge you. They're not here to shame you. They're. here to help you get out and help you. save more, pay off your debt faster, and. start putting money back in your pocket. This is a company that is A+ rated by. the Better Business Bureau, boasts. thousands of five-star reviews on. Google, and holds a five-star rating on. Trust Pilot. That legitimately matters. Here's the thing. If I needed help. paying off debt, this is exactly where. I'd go for help. You're just 30 seconds. away from being debtree with PDSD. Get. your free assessment and find the best.

option for you right now at. pdsdebt.com/hammer. That is pds.com/hammer. pds.com/hammer. You suck with money, so you download a. budgeting app. You start with the. classic one, wab, but everyone just. deletes it because it's way too. complicated to use. So you go to every. dollar. That's Dave Ramsey, the personal. finance guy, right? Well, they're going. to force you to use it his way. That's. not very personal finances. Rocket. Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what? They want to sell you in the.

end. Then there's the new guy on the. block, Monarch. Hundreds of millions of. dollars of private equity raising so. far. But private equity doesn't have the. best track record when it comes to. private data. That's why I like. DollarWise. Built by these people just. like you, for people just like you. No. private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start [music] the free trial. Wise.com. Link in the description below. >> Who the business is under?

>> Yeah, the IRS is going to come and you. guys and I hope so. Non-consensually. bent over. Okay. >> Actually, it is consensually because you. chose not to pay the taxes. >> So, what the. >> He's not good with taxes. But trust me, I know what. >> Well, he can't be if you take all the. money and none is set aside. >> You said you took control to make it. better because that's not making it. better. >> I'm actually I'm making it better. Yeah. I'm a master budgeter. Like, I'm better. at you than budgeting. >> Better at me. I pay my taxes. >> I heard you need help. >> My taxes get paid. >> I pay my taxes.

>> You've heard I need help. >> Yeah. I saw an episode where you were. like, "Oh, I can't do this for you. So, we're going to have our other better. budgeter finance guy like. >> Oh, yeah. When someone was an absolute. complete mess and our a lot of time. >> and I would be able to do that because I. >> But you can't do it for yourself. You're. not setting aside money for taxes. >> That's because I get like $20,000 child. tax credit. Like, why do I need to set. aside? >> Oh my gosh. You see how we enable that? >> The four kids. >> Are you seeing how we enable that? She's. allowed to just spread her legs as many. times as we want and we literally just.

fund it and then they can make up every. failure. my kids will grow up and pay. taxes. So, it works out. >> We do need more kids. This is crazy the. uh the cycle we're on of like Yeah, let's just do it. Let's just encourage. people to be I guess but we do need more. babies. This is crazy. >> It's better than. >> It just means you don't pay taxes. I I. kind of agree. But it it allows us to. not worry about taxes for the business. >> Yeah. >> Which kind of not really. Does Are you. saying you're using your tax return to. pay for his business taxes? Well, um,

possibly we're gonna file jointly and. have the business on there and the kids. on there. >> When's the last time either of you have. paid uh filed for tax? I guess you do to. get the refund. >> Yeah, I filed for tax. >> you a few years ago. >> Why? >> I just. >> Why have you done Why? Why not even this. year for last year? >> I just didn't. I forgot. >> How long has this business been making. 10,000 hours a month, which is great. money, by the way? Congratulations. >> For one month.

>> Yeah. Oh, so I can't write that down as. the income. >> I can't write that down. >> Okay, maybe for 2 months only because. >> Oh, I still can't write that down as the. income. >> That's the only period of time that. we've been working since we got the. truck and all the tools to start the. business. That's how much money we've. been making since we started working. Before that, he wasn't working and I was. working a different job, >> which I still technically have. So. again, just trying to get the dynamic of. the finances and of the household before.

I actually go into the finances for. context. You take all the money. How. does he get money to do anything? Cuz. you said he sends money. How does he get. money? >> I ask for every dollar spent or get. yelled at. >> Yeah, he has to ask permission. >> Ask permission. Ask permission to what? >> Violent text while I'm driving down the. highway. >> A $50 allowance would be an allowance. $50. What do you Well, I guess if you. only spend on fun and nothing else. important, maybe I could do something. >> like I. >> Does that not feel pathetic to you?

>> A little bit. >> And what have you done? >> Nothing. But all. >> that's pathetic. >> All I really do is work or I'm around. her. >> How many hours a week are you working? >> Oh, too many. He works six days a week. Like. >> But you reap the rewards. How many hours. a week do you work? >> Um, >> three days a week. >> Three days. >> Did you get 50%. >> Yeah. You've slithered in this man's. life and took everything just because. you found him when he was under the. lowest moments. >> I'm the one who made it happen. >> Is this true? Okay. How'd you make it. happen? Tell me.

>> So, like he said, he didn't have a. house. He didn't have a truck. He didn't. have any tools. So, I he took me to the dealership and I. signed for a truck under my name to buy. him a truck for the business. So, now. the truck that he's using for work is. actually under my name that I bought. I. pay the down frame payment for. So the. only reason he's able to even drive the. to work is cuz of me. >> So you're willing to give a 50% for. that? >> All the tools that he uses for his job. >> I mean, you know, we're living together.

So like. >> you were homeless. Yeah. She picked up a. homeless man, took over his business, put a little bit towards it, but and now. it reaps 100%. Usually when you invest. into someone else's business, you don't. all of a sudden get 100% of the income. >> So most of them don't suck your dick. either. So. >> yeah, because that's the thing, right? That is actually it. Like if if we read. this honestly, it's because you're. getting pleasure. >> me sucky sucky. >> You're getting love, you're getting. support for the first time in your life. So you're literally willing to give up. everything. But that's not necessarily.

good or healthy. It's really not. Especially when you're at your lowest. That's borderline taken advantage of. >> No, I would say it actually is. How. often is that the thing being sucked? >> I think I think it's very temporary. >> Exactly. [laughter] So, and if it. wasn't, would you put up with all this? Honest legit question. I know it's. sexual in nature, but if she wasn't. putting out in gucking, how much would. you put up with this? >> It's every day. So, are you going to. leave after you get it? No. Right. >> Exactly. But what if we're talking like. once every two weeks? How much of this.

would you actually put up with in the. end? >> He doesn't have to think that far ahead. because it's temporary. >> I'm trying to ask him. >> I never get to talk either. >> Huh? >> I also never get to talk. So, >> yeah. So, I'm trying to get you to talk. right now. Please take it. Take the. moment. >> I mean, I avoid conflicts. So, >> no, I know. But I'm saying if that if. that fell cuz that is obviously clearly. an important hair. I'm not trying to. sexualize the conversation. That is. clearly in an objective way an important.

aspect here that you are getting. >> There'd be concerns, but I wouldn't like. just up and be like, well, I'm leaving. >> I'm not saying leaving, but she's. controlling 100% of the money. She's. controlling the business. She's. controlling everything in your life. If. that part fell that is kind of making. you just a submissive little boy, would that change? Would that dynamic. change? >> Yes, for sure. Yeah. >> Now, why is you nutting once a day more. important than that other stuff to you?

Especially as a father, why is that more. important? >> I don't know. I mean, I just don't. really think of it. I I don't. >> It doesn't matter to you as someone who. started this business, as someone who's. a part of it, as someone who has two. kids to raise, a potential another on. the way. Sounds like another way for her. to trap you. She's a trapper. >> Actually, he did have a problem with it. And he told me that um if I controlled. everything, he wouldn't have any. security. And what happens if I kick him. out? Then he has nothing.

>> True. And your response, I kind of. overpowered him in the conversation. I. said, >> "Tell me the conversation.". >> I said, "You don't deserve security. What? >> So you nothing before you met me. So if. I kick you out and you go back to. nothing, nothing changed, right? >> What the. And your reaction to that? >> I just ignored it. [laughter]. >> Whoa. You are honestly one of the most. pathetic people I think I've ever met in.

my life. That's not even a joke. First, it's not. hard to get laid. And you're not a bad. looking dude, especially for approaching. 40. You are not a bad looking dude. You. could get laid. Don't give up your. entire life just for a a roof over your. head. I get it. But I mean, I'm just. reading this as someone who's known you. guys for 30 minutes, but I think it's as. clear as day. She traps guys with babies. takes over the finances business and. utilizes keeping a roof over your head.

and pleasure and uh support and love. It is almost in a way and dare I say it, I do not want to be the guy that just. pulls permanently online terms, but kind of grooming. >> I groomed him. >> Kind of. Yeah. You didn't like separate. him. She hasn't like separated you from. your family, right? >> Yes, I have. No, I'm just kidding. I'm. just kidding. >> Okay. See, that was actually. >> Well, he actually says kind of.

>> Okay. kind of because. >> Wait, so you weren't actually. >> He was talking He was talking to He was. texting his ex, which is his baby mama. when. >> Which he might need to maintain a. relationship. >> when we first got together. Yes. For his. kid. And he said that he wanted to talk. to her for the kid. And I said, "I don't. want you talking to her.". >> That's unreasonable. >> So, but. >> it's the mother of his child. >> I told him he could talk to her on. Talking Parents and that's it. Not on. text messages. >> What's that? I don't know what that is. >> Talking Parents is like a communication. app. What's different?

>> It's you can use it in court. >> Huh? You can't use text messages. >> You can't use screenshots of text. messages in court. But you're allowed to. use screenshots of talking parents in. court because there's no way to edit any. messages or delete any messages. Everything that's there is permanently. there. And every every single message is. timestamped of when you sent it and when. the other person read it. >> And how did you get upset? Uh what what. made you upset? Did you go through his. phone or something? Um, yeah. I got upset because he she asked.

for some child support and he sent her. some money without asking. >> Without asking, why should he have to. ask you a girlfriend of like a month at. that time? >> Because he wasn't giving me any money. for the bills. >> He was your boyfriend of a month. Why. would he have to? >> Because I told him before he. >> Because you told him. >> Yeah. Like in the very beginning, I. said, "I'll help you get the tools and. all the stuff that you need for your. business. Just make sure you're sending. me the money to pay this stuff back. because all the tools that he got.

>> And were you sending her any money. >> was from. >> from your perspective? >> My. her. >> Were you sending me any money? >> Well, you sent your baby mama some. support. >> Yeah. I mean, we were not like sending. We were living together at the time. So, like we were. >> So, she was getting money. >> stuff. Yeah. >> So, what the are you talking about? >> No, he didn't send me any money. He was. buying food to eat. Why would I send her. money when she's right next to me? >> Yeah, >> always. >> He just. >> And you did you go through his phone in.

secret? >> Um, no. He showed it to me because I. told him, "I want to see the messages.". >> And what did you see that was so. concerning? It was literally just that. he gave her 50 bucks. $50. >> for the mother of his. >> because he told her he was like, "Oh, I'm with this new girl that I met and. blah blah blah blah blah.". >> Yeah. And she. >> That sounds like a good thing to say. She was talking about me, >> some other. >> and so I told him he's allowing her to. disrespect me and I'm not okay with.

that. So, >> oh my goodness. What are what are you? >> No. What's your like ethnicity? >> I'm Hispanic and white. [screaming]. >> This Hispanic part is really. overpowering. What is this respect you. need to have from the ex? Who gives a. what she thinks? That's the mother. of his kid. He has to maintain and he. has to Are you legally mandated to to. provide support? >> He's legally mandated.

>> I don't care at that point if she's uh. respecting you. He has to. >> No, I didn't. >> Via court like. >> Yeah. >> via court, [gasps and laughter]. >> but he didn't send it on the court. website. You haven't? Why? Because of. her. >> Strictly because of her. >> No, no, no. It has to be. She takes the. money. You can't send money you don't. have. He was in jail and then he didn't. have a job. >> What about now? In the last 4 months. though, you can't give money that you. don't have access to when she gives you. an. >> 4 months. He's only been working since. >> the beginning of June. >> I know. >> So, the two months of 10,000, have you.

given anything? >> No. >> See, and how could you if you don't have. access to the money? Are you getting. this? >> Yeah. >> Yeah. I get it. >> To be fair, I did ask him. >> To be fair, >> huh? >> I said to [laughter] be fair. I say that every time she says to be. fair, >> wonderful. An inside joke. >> Huh? >> I asked him if he wanted to make his. child support payment. >> couple days ago. >> And he No, he said yes. >> I asked him, "Do you want to make a. child support when we get paid?" And he.

said yes. >> Back to how much? >> Like probably 20,000. >> Oh my. To both? >> No. >> Just one. You don't owe for the other? I. I owe for both of them, but one it's. been a messed up situation. The first. the seven-year-old has been like. I like I paid on and off but mostly off. and then the. >> Dad. >> like the four-year-old just started.

a year ago. Before that I wasn't like. court ordered. And. >> listen, if you're just a and you're the. only one, whatever, who cares? But. you're being a which impacts your kids. and that's not really something we with. >> like that's making you a bad father. >> I mean. >> I mean back child support that's a bad. father. >> Technically it's it's it's better for. him to be with me because before he met. me he wasn't. >> I'm sure you convince him that every. day. >> He wasn't able to pay child support and. now that he's with me and he's making.

all this money. You offered 2 months in. >> to pay make a payment, but you had to. wait for you to offer. Is it going to. the one that disrespected you or the. other? >> Is it going to the one that disrespected. you or the other? >> Both. >> You allowed to go to the one that. disrespected you. >> Yeah. On the child support website. Last. time I had a problem because the court. mandated it. >> Last time I had a problem with it. because he didn't court website. He. cashapped her. >> What What do you What do you owe monthly. to these people without the back pay? >> Uh 400 [snorts] to the first and. >> seven-year-old.

>> Yeah. 1,100 to the,00 right now to the. port. >> Why is it so much more. >> daycare and uh healthcare. >> and why only 400 to the other? >> Because it doesn't have. >> public school. >> He's home. >> Well, yeah. >> Home. >> At the time when the order was made, it. it wasn't like he wasn't going to. daycare. He he never went to daycare. So. that's that's what jacked up the second. one. So, you guys working together and. being in a relationship so much just. four months in, what do things look like.

at work with you two? >> I mean, it's really interesting, for. lack of a better word. >> Y'all's dynamic is going to work then. >> Yes and no. I mean, she's a girl, so I can't like. and my partner, so I can't just be like. treat her like a guy. She's hyper. emotional. I got to. >> she emotional. treat me like a guy. because he makes How is she emotional at. work? >> I don't treat her like a guy at all. >> How is she emotional at work? >> Bro, >> um she gets really upset and she'll walk.

off, sit in the truck. >> Because I get tired of doing all the. work and he's not. >> That's the job. >> No, no, no, no. He'll be he'll be. >> Oh, so she doesn't do You just. work? >> Yeah. >> No, no. I She sits in a nice AC. >> She will do. She does do a lot of work, especially for a girl. >> Let's say we get eight tons of rock. I. shovel all the eight times. >> because she wants to and then I wheel. barrel. >> because he doesn't have any. >> 100 yards. >> I don't have any drive. >> I have the wheel. >> I don't have any drive. Sounds like you. don't have any drive. Yeah, sounds like.

I don't have any drive. I don't have any. drive. >> I just keep going and going and he's. like, "Oh, I'm tired. I want to go to. the gas station. I want to take a lunch. break. I want to go home early." And I'm. like, "No, it. Let's get this. done. Like, let's go. Lunch. >> break is normal." That's why I do all. the hard and all the What do you. mean he doesn't have any drive though? And then he'll quit. >> Oh, I'll cry. >> He'll cry. He cries. You're the one who. cries and quits. And then I have to. chase after you. And then we have to. make up and it takes an hour. Not to. mention every time you get upset and. like I have to pull over to the side of. the road and answer all your texts and.

then just sit there. It's like you think. that like the work is just like. shoveling and it's so much more than. just shoveling. It's talking to. customers. It's setting up more things. It's getting other things ready. >> He talks to customers. That's what he. does. That's the girly side of it. So he. does the girly side of it. It's just the. whole side. >> And I do the hard work. >> Shovel. >> Yes. Which is why when I don't go to. work, you will Thursdays and Fridays. >> I get way more done. >> Not at all. >> That's not true. >> Bro, you're literally saying, "I need.

you here. I need your help.". >> To make you feel better, >> bro. >> I say that to make you feel better. >> He needs me. >> Thursday and Friday, I clear like 10. jobs and then. >> 10 mowing jobs. Could be mowing, could be weeding, could. be anything. >> Not any big hard jobs. >> Is she a burden to bring around with you. at these jobs? >> No. No. >> If you have to chase after her for an. hour. >> No, >> it's not an hour. He's exaggerating. >> Brand new relationship. Integrating the.

business into the relationship. This is. not going to end anywhere positive. >> I'm just honestly. >> I I'm going to quit. Don't worry. When I. get pregnant, when I get pregnant, I'm. not going to work anymore. And then he's. gonna have to. >> So you guys have actively discussed. pregnancy? >> Yes. >> Within what time frame? >> Since we got together. >> No. >> No. When will it happen? >> There's no like set date. >> Tomorrow. No, just kidding. >> Okay. Are you sticking it in her raw? >> Yes. >> Yeah. Are you on birth control?

>> No. [sighs]. >> My pull out game is strong. >> I have to wait until I ovulate. That way. be a boy. >> Cuz two kids so strongish. >> Have you ever? Yes. >> So, kid could be any moment. >> Could be. >> This is really not fair to these kids. >> How is it not? >> What? You guys' life is a mess. Manto. man, partner to partner, girl to girl, woman to woman. >> This is a mess to be dragging them.

around and you can't even afford to pay. the child support that you already owe. This is like this is actually it's not. it's I can't use the word abusive, but. it's really bad and unfair for these. people that did not consent to come into. this world. >> Well, my kids are happy at home. >> You don't know that. >> Yeah, trust me. My son is super honest. He tells me everything. >> What age? >> 11. >> It's an 11year-old. I don't know. >> I don't know. Maybe spoil and spoil them. with that. I I don't really know.

>> They're spoiled. >> Here's the reality of this situation. And I'm going to give you a direct quote. from her pre-in. And it came to her ex, one of her ex-husbands, of which you. will now be another one. >> I knew I didn't want to be with him, but. his family had a lot of money. >> Does that remind us of anything? $10,000. a month is a lot of money. Where did she. rescue you from? What did she get you to. do three dates in? What did she do with. your money right now? Is that not a. concern? That is a direct quote from her.

pre-in. I mean, since I didn't have. anything, >> but you do now, >> but only because of her with her. >> Like, without her, I wouldn't. >> But you could take the money that this. comes in, put a down payment on a truck, and you wouldn't need her. >> That would be it. >> How dare you? >> That that would be it though, right? Cuz. that's what you say you provide. >> Cuz he can't get a truck right now. because of his credit. >> Okay. Two months of this income. He can. get a $20,000 truck. >> But. >> that's a reality. He doesn't he doesn't.

have full two months of income because I. >> call her four months take 50%. Boom. You're done. You're out. >> She has gold digged her entire life. Why. do you think you're different? You're 12. years apart. Why do you think you're. different? She wreck rescued you in a. sober living house. Why do you think. you're different? >> I don't know. Terminally unique, I. guess. >> No. Desperate for attention, desperate. for validation. Desperate for a partner. And I think it's just desperation and. patheticness. I really do. That's it. >> That's it.

>> I mean, I do really care about her. So, >> I'm not saying you don't. I am saying. look at her past. What makes this. different? >> It's definitely. >> No, it's not the messy. It's her gold. digging off of people. >> and you don't see that it's happening. again. You really don't. And she's. keeping she's literally by providing her. holes is keeping you around. like in an actual way. Not even. sexualizing this conversation for a joke. or anything. In a literal way.

>> Even nothing like sexual like. >> Okay. >> I have the tools, the truck, everything. >> I am not trying to sexualize this. conversation, but let me ask a couple. qualifiers. >> How would he work? >> When he finishes inside of you, >> no finish inside. He says he has a. couple times. >> Do you ask for him to do it? >> Those couple times. >> No. >> No. >> You just do it? >> Yeah. >> He does it and then I have to take a. plan B. >> Oh, well, thank goodness. Okay, then. maybe Okay, then maybe she's not baby. trapping you, trying to baby trap you.

But that's I was honestly reading this. If anything, maybe she's not gold. digging you, but for sure you are. >> He's trying to baby trap me. Actually, >> why would he try to trap you? That. doesn't make sense. >> That's what he said, you know, when I. was laying down. because he's desperate. to keep you around. I guess. >> boom, pregnant. And so then I had to. take a plan B. >> He's desperate to keep you around for. whatever reason. If you or your child. spent years growing up on social media. and experienced 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. Dollarise is finally here,

sending waves through the personal. finance world. This is officially now. the best budgeting app on the market. And I'm giving you a special deal to. download. Get a free trial to test it. out. And then you get the monthly plan. at a 33% discount for the first 3 months. or the annual plan at an insane. discount. And most people sign up for. the annual version cuz this saves a lot. of money. And you get my detailed 30-day. meal plan signed by me mailed directly. to you, plus the digital version of my. cookbook for each recipe. Don't miss the. opportunity of a lifetime. Download and. start your free trial. Go to. dollarise.com or click the link below.

cuz he loves me. >> I understand love. I'm not questioning. the love part, but it's the dynamic and. the absolute manipulation that is clear. in this relationship. >> It's not manipulation. >> Come on. What do you What do you think. your This is just your finance. Well, it's a little bit of household. >> I don't know. What do we think our. household financial score is today? 0 to. 10. Zero being the absolute worst. 10. being the absolute best. What do you. guys think? M. >> honestly.

>> a one. >> preferably. >> two. >> Okay. If you want your financial score, get it new and improved. Now you can see. it in much more detail. Just takes a few. minutes and it is free at caleb.com. And. if you don't want to be like a guest who. ends up on the show, make sure you. download the dollarize budgeting app. All you have to do, check it out, see if. it works for you. Most people take the. annual version because it does work for. them and it saves nearly 50%. And you. get the physical version of this my. 30-day meal plan signed by me mailed. directly to you and the digital version. of the cookbook.

Okay. Discover it. What's going on? >> So that's my card. I've had it for like. six years. >> Well, they're all your cards. >> Oh, yeah. They're all my cards. >> Well, that's my card. They're all your. cards. >> Okay. Why are we spending on a card that. we can't pay off? You don't pay it off. You only put the minimum towards it. And. then you spend $109.31. You have four kids. He has two kids. You. want another kid. Why are you doing. this? >> I overdraft it for gas. So I make. payments. >> What do you mean overdraft it for gas?

>> Yeah, that's what I do. Cuz you know how. >> Oh, you are above it by $125. Why? >> For gas. [laughter]. >> Is this cute? That's what you want to be. with? So she takes all your money. She. up all her debt. Spends all the money. she doesn't have. uses your money to put. a little bit of progress towards it. She. is using you, my friend. My friend, usually I'm a girls girl on the show. Not this episode. She is using you. She's using the fact that you are an. addict with nowhere to go. >> And she's laughing about She's actually.

laughing about She's evil. She's evil. No, she's beat her ex. She doesn't give. a be. >> So what? Just for gas? You're saying. it's only gas? >> Yeah. I make the minimum payments until it. gets like to a dollar or $2 and then I. overdraft it like a hundred bucks for. gas again. >> Fees. Why? Why pay extra for gas? If. it's $30 to fill, why pay $40 to fill? >> It's not $30. >> I don't know. What car do you have? I. don't. >> I have an. >> I have a Tesla, so I haven't really.

filled the tank in a while. So, >> I have an Impala SS, so it takes a lot. of gas. It has a big engine. >> How much does it take to fill Okay, 80. Why pay 100 to fill an $80 tank? Well, sometimes I put both of the vehicles. next to each other at the pump and fill. them up. >> You know, that's not my question. Do you. not understand my question? You're. paying fees and interest on top of. adding with your little scam, your. little gas scam. Get it to a dollar, then put it on and build it all the way. up. >> Usually, I just don't have the money to. pay for it. >> So, when I take all this money, where's. it going then? I thought you were the. respon. Hey, didn't she say you're.

better at budgeting than me? I've never. had to do this in my life. >> Oh, really? >> Even when I was in my worst, I didn't do. a gas scam by having a dollar balance. and spending more on it. You're better. at budgeting than me? How? >> Um, because I'm not just taking care of. myself in an apartment. I'm taking care. of me and four kids in house. >> Doesn't matter. That doesn't mean you're. better at budgeting. What? That does. that's not a qualifier. I'm better at. budgeting. Doing a gas sc You take. 10,000 from him a month. >> Before I met him, I was making. >> Okay, but we're in the stage of met him. four months ago, so I don't care about.

that. >> Oh, why? Why are we making so little? Go. get a job. >> I did have a job. I was doing AI. training on the computer. and. >> what. >> it's. >> okay get a better job I'll get you a. course career certification. >> it's a great platform. >> trades. tech you name it extra things like. accounting people in the audience have. used course careers to get to like six. figure jobs so I'll get you one of those. cuz clearly you got to stop milking him. he can do his job on his own and you. need to do something else and double the.

household income if you guys are going. to be together and create another kid. What? >> He would love that. >> Yeah. No Wouldn't you? >> Yeah. >> Why don't you push for this? >> Just to avoid conflict, And well, >> actual. >> It is. >> This is so sad. You are so sad. >> What? >> Um, >> is it easier? Cuz she's all up in your. business. Is that really easier? >> I mean, it is easier on like jobs that I. do need another person to have. >> You can get a contractor, someone that's.

actually just cheaper than 100% of your. income. Yeah, but it's still going to. 100% income still going to go to her. So. >> even in the end, even if you don't work. for the business, you're taking 100%. >> So. >> she clearly can't budget. Look what. she's doing. She's spending over on her. credit card. >> Temporary. That is reality. >> Temporarily, I would take 100% of the. income until the credit cards are paid. off, the loans are paid off, and then. once all the credit cards and loans are. paid off, >> why is there at least $2,500 on. if you're so good at budgeting when you.

don't have money and this credit card is. maxed out? Huh? There's not. >> There is. And we'll go through it. >> I challenge you. >> Okay. I accept your challenge. We will. literally go through it. >> Okay. >> But you're overspending regardless. Even. if it's not a but it is. And. the thing is, how are you better at. budgeting then? >> Better than him or better than you? >> Me? >> Um because I can do it with no income. And I can do it. >> You couldn't. You're in debt. >> I can do it when things constantly. change. >> That's not budgeting. And things. constantly change forever. >> Exactly. >> So what? So exact that doesn't agree.

with what I just say. I figure out how. to pay even when we don't have. >> that though. >> Okay. But the only reason I have to is. because I had to. um put up the cost of starting the. entire business. >> on my own. >> Also, get it cheaper gas instead of a. gas guzzler right now in the conflict. we're in. Who knows? War started warzler. for work. It's for work. >> It has to be a gas guzzler. Otherwise, >> you own this car or do you get it in.

cash? my car. >> Yeah, that's that's the whatever you're. talking about that cost on the paid off. >> It's paid off. What's it worth? >> Uh 1,500. I don't know. >> Worth. 3,500. >> Oh, it is. >> just about just about. >> Well, it's wrecked. >> Like it has stores. There's cosmetic. damage. >> Oh, it's not wrecked. >> Yeah, it's not it's like it drives just. fine. >> Learn words. [laughter]. >> It's the Mexican party. You not being. able to speak English. >> Words are hard. So, you owe $82546.

on a credit card with a limit of $700. with a $33 minimum monthly payment. >> I thought we were making more than the. minimum payment on that. >> Well, sounds like he would have actually. done it better. >> Um, cuz he wanted to pay more. >> because he wasn't paying any of the. bills. Like, he literally had the income. for the first month that he was working. Didn't pay any bills. Didn't know where. the money was going. I took over. I. start paying everything off. >> Why weren't you doing anything? I mean, I didn't know where like I. didn't know any of the bills. Like, I.

don't know how to pay her rent. I don't. know how to pay. >> Okay. So, she wasn't Okay. So, she. wasn't mad at not paying it the way you. wanted that. The way she wanted. She was. mad cuz you just weren't paying it. >> Yeah. I was mad cuz I told him, "Send me. the money so I can pay.". >> Yeah, that one was fair. I did blow a. lot of money on the first month. >> Doesn't mean Shouldn't you be training. him up though? He is your little dog. already. >> Training him up. >> Yeah. Yeah. To be able to participate in. this. >> training. >> Honestly, I didn't think about that, but.

I did tell him. >> cuz you want full control. [laughter]. >> Yes. >> Of everything. >> Well, yeah, I do. Actually, I do want. full control. >> I know that's not necessarily good or. healthy. >> Comfortable. And. >> that his comfort matters, too, though. And he already says he feels a lack of. security that you could just kick him. out at any day. >> That's not a good thing. That's not. healthy. Um, >> I told him I told him he could stay. So, >> oh yeah, >> definitely. >> Okay, this advent card, what's going on?

You are again over the limits. >> That's a gas card. >> The other card was a gas card. >> Yeah. So, when the event. >> Make that makes sense. >> The event is my gas card for the Impala. and then the credit one is a gas card. for the uh Ram. And then the Discover. was my gas card from when I was with my. ex-husband. >> Well, what about this now though? You're. purchasing you purchased $34059. with a $75 fee and it went above the.

balance. >> The $300 purchase was to the DMV to get. the plates and to get the RAM. registered. >> Okay. So, you put on a Well, no. You. also went inside 7-Eleven and got a. drink. You also went inside Walmart and got. like a snack. And he went to a Mexican. restaurant. Actually, the DMV is not on. here. Oh, actually that is. It's $130 of. the $300. You're bullshitting me. You're. >> Oh, no. The $30 was different. >> We used the advant when we first got it. for just everything.

>> You got some gas. You got a car thing, but then you went in and got some. >> Yeah. So, at first it was just a credit. card. >> twice. And then you went and got some. Mexican food. >> At first it was just a credit card. because we needed money. >> Or no, >> you didn't. You're getting on. This isn't needed money. He said to get. my credit up. So. >> I don't care. You are putting it above. the credit limit. Not for the fact of. what you said, but for. >> Actually, no. Now it's just gas. >> I don't care about now. I'm looking at. the most recent month, which was.

literally last month. >> July. >> It Well, it it just became August. So in. the month of June, this is in the mid. month of June. So uh yeah, basically a. month ago. >> Uh you went in Shut the up. You went in. the gas station, got some went. into Walmart, got some and you. went to a Mexican restaurant. This isn't. I was going to be okay relatively with. getting the tags and stuff, but that's. not what it was for. You're a liar. You're a manipulator. No, I have this. month. I don't know.

>> Maybe it goes into July, but all I see. is. >> Yeah. Now it's gas. Don't worry. >> I'M NOT I don't have your statement. right now. I have your most recent. statement. Do you understand how that. works? my phone. >> if that makes you feel better. >> Either way, gas shouldn't be on a credit. card that you can't afford. That's the. reality. Cuz I had gas you couldn't. afford on the previous credit card. anyway. >> It's for It's for taxes. So, if all the. gas goes on to one card, then we know. how much. >> it went on the last card, too. >> Yeah. >> So, it's not just going on one card. If.

this is going on this card, too, >> because he spends $200 a month on uh. $200 a week on gas just for his truck. >> But you're not putting it all on one. card. Do you not understand that? >> In that case, it's not. >> credit limit is not high enough. And we. >> it's going against what you are saying. You're arguing against yourself. Do you. not understand that? >> No. >> Okay. [gasps]. >> You are paying literal fees to get. on this credit card. That is. over your credit limit. That is. objectively what you are doing. And gas.

Yes. Both. Just because you did. something, you're not you're you're just. like every unique financial audit. Yes, I only did something this last couple. weeks. Yes, a couple weeks before that, you did this as well. And that will. continue. That's what happens. Come on. >> But that was. >> Stop with me. >> That card is brand new, too. So, >> when's the last time you didn't have. debt? >> Um, when I was 17. >> So, shut the up. You're not better at.

[laughter] budgeting. Don't try to. defend this. You don't know what you're. doing. It's not That's only because I. got into a car. It's not working. >> And they sued me. So. >> I don't care. 17 over a decade ago. No, a decade ago was the last time you. didn't have debt. You haven't been. debtree since then. You are not good. Stop following your own advice. You. don't know what is working and what. doesn't work. Actually, >> stop. Oh, actually, sure. Hit me. >> Yeah. So, I got into a car accident when. I was 18 and they sued me. >> I don't care about. What about when you were 20? 21, 22, 23,

24, 25, 26, and now 27. >> I paid it off. I paid off to 33,000. >> Congratulations. Well, the last time you. were debtree was 17. Why are you not. complicated? >> Because of that, if you don't count. that, I was debtree until 2 years ago. when I got the Escalade. >> That's a debt. So, I count it. It's a. little weird how that works. >> Because I needed a bigger vehicle to. fill my. >> Oh my goodness. She's She's impossible. [laughter] to have a conversation with. >> She's impossible to have a conversation. >> You to tell him that. He already knows. >> Credit one. What's going on?

>> Credit one is his gas card. Yeah, that's. the one I use for. >> Okay. Why am I getting so many gas cards. if we only have one gas card? >> We need a lot of gas. >> Okay, but you only want it on one for. taxes. >> No, we just want it visible. So, not. mixed in with other. >> You're changing your tune. >> Like then I can go into the credit one. statement, get his gas, go into the van. statement, get my gas, and it's not like. in my. >> bank. But you're pushing the goalpost of. what you were saying earlier, and you. are going in and getting some. You're also sending money to Cash App.

through this. >> Here. sending money to Cash App for this. There was one gas purchase. The other. one was going inside. He's getting his. Zins and then the other one is sending. money to his Cash App and he's paying. fees. >> I thought you were in control. Huh? Where's your control? >> I think we tried it, but it didn't work. I don't know. Oh, >> does it say it went through? How much.

was it for? >> $92.70. >> $92. >> Oh, no, no, no, no, no. >> Yes, yes, yes, yes, yes, yes. >> Yeah. Remember, >> max out, by the way. >> That was when we first got it. >> Yeah. Literally a month ago. [laughter]. >> Yeah. >> Like, what are we guys? >> We're sitting in the trash. >> Every month is like a brand new life to. you guys or something. >> It is [gasps]. literally with this job figuring. everything out. Everything is like a new. situation. So, he's getting. You're okay with that? Cuz that's the.

reality. >> No. >> Is there a second credit one? >> He's not going to anymore. >> It's probably just a different month. >> Yeah. And then he had a late fee. immediately. He had a late fee. You're. okay with that? >> I thought you were in charge. So, you're. in charge. You're better at budgeting. than me, but you're getting late fees. >> Um, yeah, because we were waiting on a. payment because the customer paid a. deposit and then. um. >> you're better budgeting. I'm waiting. >> I'm waiting. Oh, it was probably PayPal. >> PayPal held the deposit that we were. supposed to.

>> Yeah. >> Are you getting the message yet? You're. not. >> Stop following your method. It hasn't. worked in 10 years. >> You don't even know my method. >> I know it has led to this. >> My method is led to this comes in. I pay. every single bill. That's my method. >> Except not really cuz you're late. sometimes and you don't pay off your. credit card. So that's not true. You pay. it down to $1, then you spend above. So, that's not true. What you just said is not true.

>> You'll see. You'll see. >> Okay. I'll tell you what I see. $16,800. owed to your dad. For what? >> Well, um. 10,000 was for a lawyer. >> and then. >> for what? >> 6,000. >> Why did you need a lawyer? Uh. >> because I was facing charges. >> for what? for. attempting to kidnap my own son.

It wasn't kidnap. It was my court. ordered day to. >> It's like stealing a car. It wasn't. stealing, >> right? >> What happened? >> So, it was my court ordered day to have. him. His dad didn't bring him to the. exchange. >> Then I don't think you would be facing. charges if it was your court ordered. date. Come on, give me the real. situation. I know you're leaving out. things. Why' they think it was bad? So, I texted him. I said, "Hey, how come you. didn't come to the exchange?" He said, "I'm at work, but he's at my grandma's. house. You can go pick him up." I showed. up at the grandma's house. Knocked on.

the door. They came to the door. And. then my son came to the door, and I. reached down to go grab him, and they. have a Ring camera. So, just me reaching. down to go grab him without the. grandma's permission, who was in charge. of him at the time, um was attempted. kidnapping. And then because I stepped. over the doorway to go grab him, they. said it was trespass. What did the. grandma say happened? >> Um, she said that I just like forced my. way into her house and then hit her and. tried to steal the baby.

>> Hit her. >> That's what she said. >> Hit her. Look at your history. You have. abused multiple people. >> I would believe that. >> I didn't go into her house, so. everything's on the Ring camera. >> Then you wouldn't This wouldn't be an. issue. >> If everything's on the ring camera, you. just show. >> That's why all the charges got dropped. That's why. >> they all got dropped. So, you're good. >> Yeah. That's why I had the lawyer. All. the charges, >> everything's dropped right now. You. don't have to worry about a thing. >> Except for um. >> Except for what? >> Except for. >> See how she does this, guys? She is so. manipulative.

>> Except for trespassing because I was on. her property without her permission. So, that's different. >> Okay. What's the consequences for that? >> A year of probation, >> which you guys love to break. >> Break. >> probation? >> Oh, no. My probation doesn't make me. check in. And they don't make me do UAS. I don't have to. >> You'll find a way to break it. You guys. always do. And what's the other $6,800. for? >> It's for the Home Depot card. That's the. card. It's a Home Depot line of credit.

>> And he opened it. >> So he opened it like 5 years ago. >> Oh. 5 years ago. So this wasn't even for. the business. >> He added me as an authorized user when. he opened it 5 years ago to try to help. me get my credit up. And so. >> why do you owe $6,800? because we used we maxed out his Home. Depot card in order to buy all the tools. for the business that we. >> for this business. >> Yeah. >> Yeah. >> Oh my goodness. So, you're using her. dad's debt to fund your business. You. really are pathetic. >> Yeah. >> And every way. Add it. Hack it. >> He doesn't care like that. He doesn't.

really care. >> Well, you should. >> Yeah. Um I mean, >> you can't do anything yourself. It's. always other people. >> I mean, I do a shitload like myself. I mean I. >> He gets business lift rocks. A lot of. rocks. Yeah. Heavy rocks. >> You haven't been able to do your. business yourself. It's all funed by. other people. >> He's the one who gets all the leads, gives them all the quotes, and actually. gets us the work and the jobs. >> Yeah. I mean, I do literally everything.

So. >> Okay. Okay. Just had to rely on her dad. to pay for it. >> a little bit. >> And are you paying back? >> Yeah. Yeah, we pay him back. >> What is the monthly payment? There's not. really. >> What do you try to pay to him on a. monthly basis? >> Well, like probably a thousand. >> We've paid him like. >> we paid him a,000 last month. >> Yeah. And the month before that we paid. him like um 500, but um my dad says that my other debts.

are a priority and the loans are pri. priority over paying him back. So, he's. not really. >> except the Home Depot card cuz I mean. like I use that a lot. So that one's. >> Oh, so you're already doing it. >> That one's important to me to pay you to. pay down. >> Okay. But you also owe your mom money. >> He hasn't paid anything. >> Why do you owe your mom money? >> What do you mean I haven't paid. anything? I gave him $1,000 cash, so how. am I not paying him anything? >> Okay. >> Well, that's money. >> That's the Home Depot card. >> That was for the Home Depot card,

>> but he didn't put it on there. >> Well, it doesn't matter what he did. >> Yeah, but he's saying it's important to. him because he needs to keep using the. Home Depot. >> Well, hold on. That a thousand gets to. go against it, right? Regardless of what. the dad does with the money. >> It does. >> He did. He did pay it. >> I don't know what she's Yeah. I don't. know what you're saying. Yes, he did. >> Where's the disagreement? Why Why are we. Why are we confused? >> I don't know. Neither of us really knows. what's going on right now. >> Then why are you trying to tell me. you're better at budgeting? Why do you. owe your mom $5,000? >> Doing a great job. >> Why do you owe your mom $5,000? Because.

when I was with my ex-husband, he wasn't. paying me rent and he lost his job and. so I had to borrow money from my mom to. pay the rent. >> Okay. This sounds like a long time ago. Why have you not paid this back at all? >> I think it was like 2 years ago. >> Yeah, that's a long time ago. Why have. you not paid this back at all? >> Um, not even a dollar. >> Probably cuz it went up more. >> It Why? Why would it go up more? >> It went up to like I think it went up to. like 5,500 and then I paid her 500. So. now it's back down.

So, I mean, I pay her $100 a month. >> Oh my. That's not going to do anything. >> How often do they give you guys money? So, why ever improve anything ever if. mom and dad are always going to be there. to bail you out? >> They're not. They're not. Trust me. >> Uh, I'm trusting me when I read 5,000. and 16,800. >> That my mom is probably never going to. let me borrow money. >> What do you mean probably? How do you. know probably? What's probably? I mean. like maybe 20 years from now if um if I. was like in the hospital or something.

and I had to pay for a surgery maybe she. would you know but like just to borrow. money. No. >> I already launched liquid assets my. official gamers flavor raspberry apple. and it's been selling like crazy. Here's. the update. The free gift stacking promo. from Christmas in July has officially. sold out. But the flavor hasn't. Zero. sugar under one calorie 100 servings of. tub. Same neutropic blend. Same full. vitamin stack. Still just four scoops a. day max. Code Caleb still gets you 10%. off your entire order. And there's still.

a shot. One out of every 10 that your. tub comes with my face on it. All you. need to do is head to gamersubs.gg/caleb. or click the link in the description. below. I just launched the brand new Hammer. Elite [music] 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 [music] 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 [music] or pin comment. down below. This is the best membership. you'll ever join. And that's a promise, >> right? And then my dad, the lawyer thing. was a one-time thing because I had so. many babies and he didn't want me to go. to prison and so he did that. >> Great. and other things. He'll let me. go. No accountability since she chose to. open her legs that many times. Like, what the he let me go to prison? >> Good. [laughter]. >> Oh my goodness. I'm seeing 5,000 to. grandma. >> for what? >> For rent again.

>> Rent when? >> Um, a couple months ago. >> This is Hold on. How expensive is your. rent? A couple months ago and it's. 5,000. >> No, 1,700 a month. So, every. >> Let's shut the up. Let's add it up for a. second. She rescued you and put a roof. over your head. But no, she didn't. The. four months you guys have been together, grandma's pain. >> Yeah, there was an eviction. No, it. wasn't even grandma's pay. We had to go. get the. >> She had to go get the money.

>> from grandma. >> From grandma to pay the rent. >> So, you never rescued him? You never put. a roof over his head? Grandma. >> He has a roof over his head. >> Grand. Yeah. Thanks to grandma, not. thanks to anything you've done. You talk. yourself up here. You're nothing. You're. pathetic. You're No, you're nothing. You. contribute nothing. You cry and scream. off the job site. You suck his dick. That's a bit it about it. You open your. legs. You're a You get money from. the government thanks to mwah. And then. you get your grandma to pay your bills. You get your mom to pay your bills. You.

get your dad. You tried to make it sound. like you funded his business. No, your. dad funded his business. You've done. nothing. You contribute nothing. You're. a And that is it. >> I mean, I. >> No, you contribute nothing. >> I got him the truck. >> Yeah, that like $2,000 truck, dude. That's. >> It's It's a $30,000 truck. >> Huh? >> 30,000? >> No, it's it's worth three. >> and he got it within a couple months. That was the Impala. >> Okay. So, But you paid off the $30,000. truck. >> No, I paid off the Impala. >> So, there's debt on the $30,000 truck.

>> How'd you pay off the car? I. >> financed Oh my Okay, so you financed the. car. Okay. Well, I guess you did. something. But all the other things you. try to make it sound like you are this. top dog contributor. No, you're not. >> He wouldn't be able to work if he didn't. have a truck. >> He wouldn't be able to do any of the. things he has. >> if it wasn't for your family. And you. wouldn't be able to get the truck that. you financed without your family doing. all this anyway. >> Yeah, but like imagine. >> So your family has funded your business, your life, your everything. You're. nothing. The government has funded you. I have funded you. You're nothing, >> bro.

>> You're nothing but a hole that has. opened up. for the fifth time. That's it. >> At least the government's not paying my. rent. >> We are through the tax credit. What do. you think that is? And I'm sure you've. been on assistance in your life. >> Assistance? Medicaid. >> Yes. There you go. >> On Medicaid. >> That's not true. That is objectively not. true. That is because you are nothing. You. >> also work. >> You're not a contributor. >> All my life. >> Yeah. >> When you were you said you were bragging. about making $800 a month earlier.

>> No. >> You're not a contributor. You are not. anything. You think yourself up here. You are way down. >> I told you I work 4 days a week. Three, sometimes three, sometimes 4 days a. week. And I work my ass off all day. >> Yeah. Nothing to show for. Only what. your parents have provided. Do you guys. plan on investing even more into this. business? >> Yes, of course. >> With whose money? >> The money we make. >> The business. >> Uhhuh. And what are you planning on.

getting? >> Investing. >> right now. a utility trailer and then. >> do we need that right now. >> in the future? A dumb trailer. Yes, we. do need it. >> How are you going to afford that? Girl, I don't know if you know this, but I see. a 490% interest payday loan. >> Are you surprised by this? >> No, I just don't like the interest. number that's on there. >> That's a bad one. That's a not not a. good number, that one. >> Yeah, >> we don't like that one. No. Yeah. And. you're going to get a utility truck. How.

much does that cost? Um 2500. >> and the dump. >> uh like 10,000. >> I'm gonna What are we What are we doing. here? >> The dump trailer is not going to be. right now though. Only the utilities. >> None of it better be right now. >> We have to. >> You have A PAYDAY LOAN. YOU HAVE KIDS to. feed. >> Kids, the ones with. >> She wants a new truck, too. >> Huh? >> And she wants a new truck, too. Like a. brand new. >> $30,000 [clears throat] truck. You don't. need a print. What are we doing? >> I don't want to buy an a used truck. has. to be pretty. It has to be pretty. It.

has to be pretty. >> Has to be my forever truck. >> I got my forever truck. It's a 2014. >> Really? >> I'll probably die in that thing. >> Wait, you just took out this payday. loan. What was it for? >> The down payment on the truck. [laughter]. >> You've done nothing ever. I That was the. one thing I complimented you on was. getting the truck, financing the truck, but you didn't. FINANCED THE DOWN PAYMENT. WHAT THE I.

[screaming]. >> NO, NO. I was pissed, too. Like, I was. asleep and she's like, "Oh, I got the. money for the down payment." I was like, "Oh, okay." Like, "Where'd you get. sketchy money from?". >> I'm sure that's you being pissed. All. you've ever been able to conjure in your. life is, "Oh, okay. >> No, let me explain it.". >> No, I I was legitimately mad at that. >> Yeah, I'm sure you're like, "OH, NO. THAT'S BAD. >> Are you kidding me?" A $400 400%. interest. >> Oh, that's real aggressive. Great. Standing up for yourself. >> That's like if you want. >> I do beater. >> You're good at it. [laughter].

>> Yeah. >> If there's like an island and an island. and you want to get across from this. island to this island. I'm the bridge. So maybe I'm not the island. >> You live in Colorado. [laughter]. >> What does that have to do with it? >> WE'RE NOT TALKING ISLANDS. >> Shut the up. How much would this new. truck cost? >> Um 80,000. She is using your business as a cope to. get the things she wants. >> What? >> What? How are you what me? Girl, you It.

is now confirmed with this payday loan. that you have literally never. contributed anything in your entire. life. >> I've contributed time and energy. >> This That's it. This You're a. Nothing else. I'm not saying that as an. insult. I'm actually saying that as a. reality for you. I'm saying that as a. reality cuz this truck that you bragged. about getting, which I was like, "Okay, maybe she actually conjured money to put. a down payment down." that her down. payment is a payday loan. >> You know what? Even if I got a payday. loan and I'm paying it back, at least. I'm helping to start another business.

and technically creating jobs and the. business is going to pay taxes. >> What jobs have you created? And it's. contributing. You're not paying taxes. You haven't saved up any money for the. taxes. >> But we will when we're fighting the. taxes, we will pay the taxes. >> Oh, OFF. WHAT JOBS are you. creating? >> This one. Another. one in the future. >> No, no, no, no, no, no, no, no, no, no, nope. >> However, >> are you paying any minimums to your. grandma, by the way? >> No, >> of course not. Why take care of nice old.

grandma for supporting us? >> We did do a $300 job for her for free. >> What caring grandchildren? >> Yeah, >> you [snorts] guys are disgusting. individuals. The villains, correct, but. you're more of one. >> I know. >> At least you accept it. I wish you gave. a about it. Well, you owe 800 bucks. on it, but you're going to pay back a. total of 3,62. What's the minimum payment on this is. what I'm curious. cuz you only gave me the first page.

What's the minimum? >> Um, what's it? What's the name of that. one? >> Spot loan. >> Spot loan. I. paid that one off already. >> I was going to say how. >> my dad paid it off. She has never done anything once in her. You know what? She owes $800 on it. And. I thought that $16,800 she owed to her. dad was a weird number. No, I think it. actually lines up.

>> No, because he gave him $1,000. So, after he paid $1,000 to pay off the. loan, we gave him $1,000. So, it made up. for it. >> Let's take a quiet break. Quiet time. You are not a contributor. You are a. taker. You are a failure in every aspect. of life other than reproduction of which. you didn't have to do anything but lay. there. You are nothing. Stop. That first. 30 minutes when you made me think maybe. you were up here. You're not. You're.

nothing. You're a failure. You're a. leech. You're a gold digger. You're a. >> I mean, I like to think that I. >> I'm glad you like to think it, but. unfortunately you're nothing. So, I. don't give a about what you think. I'm on this dude's side, even though. he's beat a woman. You know how bad you. have to be. You know how bad you have to. be for me to be on a wife beater side. >> Yeah. Only because you also beat your. exes like 30 times.

You're not a good person. You're not. either, but you're a worse person. Al is it isn't a 700% interest rate. payday loan. >> It's awesome. So cool. >> Yeah. He said that it was that basically my. face when I she told me about it. I was. like you did what? >> And what was this for? >> Um. how much is it worth?

>> Well, you took out a you have to pay. back 5,500. >> Oh, $1,000. That was to bond him out of. jail. The one where you convince him to steal. a car. >> Yeah. >> Yeah, >> brother. >> It was almost such an interesting. strategy. I wouldn't put it past her. with how she's manipulated men his whole. her whole life. She's like, "He's in a. halfway house. He can't live there. If. he gets arrested, let's have him go. steal a car." And now he's with me and I.

own him. I own his paycheck. I actually wouldn't put it past her. And don't pretend like you're ignorant, sweet little queen. No, you're not. [laughter]. No, you're not. Bi-weekly payment of. $250. Yeah, that's really good for someone. taking care of kids. What is [snorts]. that? 200 uh $500.30. Incredible. Who knows what it's even worth these?

Uh, you probably go like with W. It's. probably just flat at that 1,000. You. just need to kill it. Just need to kill. it. It's amazing. You pay half of it. every single month, but it stays at. 1,000. for a year. >> What's the name on that one? >> It doesn't It really doesn't. [snorts] matter. >> Okay. A finance charge. Uh, this looks. like this screams car. >> Ram. >> The four 20,000 hours. >> work. >> 20,000 hours but 10,000 hours of.

interest. Great. >> Yeah. >> Wait. Total sales pay $33,000. What the. What the Well, because they baked the. interest in out of the gate of the sales. price. Did they do that? Did you go to a. weird predatory lot? >> Probably. >> What did they do? What's the interest. rate on this thing? >> What does that say? >> Is that 39%. >> No, it should be 18. >> Okay. 18%. That's also just horrendous, by the way. >> Uh $499 a month. Yeah. >> Yeah. >> 30,000 owed. That's insane. 18% interest. rate. But with your paid alons, I don't. even have the energy.

>> to freak out about that because of just. how insane you guys are. $32,92. >> We've only pay of course you have. And. you will get this repo. I promise you. >> Because we just got it. >> And you will just lose it. >> No way you don't get. How many repos you. have in your life? How many repos you. got in your life? >> Zero. >> Just the one. >> Ah, just the one. That's not a normal. thing. This will be repoed. I'm glad. your business is doing well in the. summer when people do landscaping. >> What are we going to do in the winter?

>> Snow removal. >> Yeah. >> If and when. >> when it starts snowing. >> Yes. But it that's not always snowing. >> He also does home repairs. >> I come from a snowier place than you. guys. It's not always snowing. >> Snow's not always fresh. >> You come from a snowier place? >> Yes. >> From where? >> West Michigan. Oh, >> well, you don't live there anymore. >> Yeah, snow either. >> Correct. And yet it didn't always snow. So, you're not going to bake on this. Business will go down in the winter.

>> Yeah. >> He does home repairs. He fixes. everything, >> which is great, but business is going to. go down in the winter. We need to just. Let's bake that in. Let's call it 50%. This is already a. >> $500 payment on top of. >> your 530 of the payday loan. Like, what. are we doing, guys? Right. I also still. have the AI training job. So, it's it's. >> How can you do that? How much you. getting paid? >> It's between 28 and $50 an hour. It. depends on the project. There's some. projects that are. >> work that 100 hours a week. What are you.

doing? >> Um. I like. >> Let him do the rocks. You do that. That. is good hour. What? What? Work that a million hours a. week. What are you doing? >> No, we we make way more money doing his. landscaping than I do on the side. >> Let him do it. You do this on the side. Let him get a part-time labor. Let him. get a part-time laborer. Your side job. will pay for more than enough to cover. the distance. >> Well, I think he didn't have enough. money [clears throat] to start paying. somebody. >> He does now. So, you go do this. Go make.

that extra money. >> I don't want to. I want to go to work. with him. I'm going to miss him. >> You guys are way too fresh in this. relationship. The way you guys have done. this is not healthy. >> I can. >> This is not a healthy thing. When. >> I get pregnant, I can. >> [gasps]. >> Upper hole, buddy. Upper hole or lower. hole depending on position. You got to. be like, [snorts]. >> you can't trust that one. >> Don't listen to him. >> Oh.

Oh my gosh. I have a 600% interest rate. Why'd you borrow $850 at a 600% interest. rate? >> That was another loan for his other bond. to bond him out. What bond was that for? >> He had three bonds. >> Same thing. >> Three bonds for the same arrest. >> Yeah, >> there were three different charges. >> It was a failure to appear. >> What were the charges? >> Failure to appear. >> And. >> what were the other two? >> Uh, just violations of protection. orders. >> Good, guys. What is wrong with you? How.

does it feel to be like the worst people. I've ever met in my life? >> I don't think I am. >> $27.60. a month. I don't think you are. Dude, no. What? You You beat your exes. Yes, you are. Yeah, but I'm not the only. person. So, how does that make me. >> I'm not the only person that beat my. exes? You're right. I've gotten a lot of. them recently. It's kind of crazy. >> When was your repo, by the way? >> Uh, February. >> of. >> this year. [snorts]. Okay, so that repo really is coming. OH.

MY GOODNESS, GUYS. >> NOPE. That's in charge of bills so that. doesn't happen. >> What the are we doing? You guys are. pathetic. Just Okay. checking account. Is this the joint or joint? I don't. know. Okay. Well, it started with $154. cuz you're so good at budgeting. Spending money on Uber, Brightcom Protection, and a membership and Uber. Lots of. Ubers. Google One. Pandora music. Pandora music in the world of Spotify.

and YouTube. Why. >> Spotify and YouTube suck? >> What? >> Yes. >> What are you talking about? >> Horrible. You're. >> Xbox Microsoft $62. You got a game. >> You got a game. >> Okay, so that my son makes money at my. grandma's house and my dad's house and. then he gives me the cash and uses my. cash. >> I'm okay with that then. at Walmart. When is that the. You're getting energy drinks at the gas. station, aren't you? $1.65. I recognize. those. Or what' you get?

>> I thought you said this is your account. It is. But um. >> normally I recommend getting the. absolute delicious Caleb Hammer. specifically flavor of liquid assets or. financial uh audit own. But I don't have. any extra right now cuz you guys bought. them all. But at the time you're seeing. this, it'll be restocked. But there you. go. Gamer stops 40 cents a serving with. our 10% discount code link in the. description below. Check it out. You can. get free samples to figure out a flavor. you like with my code Caleb and then get. your 40 cent. It it takes better than. your energy drinks. No more dollar. That is a 40 cent serving. I.

recommend liquid assets though. Clue. official. You paid for the game of Clue. Energy drink. Energy drink. This is. insane. So, no, they were not your. energy drink purchases cuz it was well. she was with her ax because you guys. were just together. This is only like 2. months ago. My goodness. That's our most. recent chicken account when we got it. Like what the are we doing? What the. are we doing? This guy. What? What. the are we doing? YOU GUYS ARE CRAZY. DON'T GIVE UP your life yet, dude. 2 and. a half months in. This makes no sense. You should get a chime checking account. Lots of signup bonuses. You'll get a lot. of free money. Time checking account.

Okay, we'll send you the link. You guys. got it as well. I recommend doing that. Lease agreement. Rent to own what? What did you rent to. own? >> A laptop for my. >> You're paying double the cost of the. laptop to rent to own it. >> Cuz the original plan was to pay it off. in the same day, like 90 days, same as. >> And it never works. Who would have. thought [laughter]. that you can't follow debt plan? What? That's crazy. Well, when does it say I. got it? >> Uh, I don't know because you didn't. provide information.

>> So, I'm still within the 90 days. So, I. I could I still. >> What money? I don't know. I don't have. the date. So, I can't tell, man. I don't. even know what the minimum monthly. payment is. Can you tell me? >> Um, like it's bi-weekly payments. So, it's like. >> Oh my 50 bi-weekly, I think. >> $2,000. 2,600 is what she. financed. Oh, wait. Is this a. >> No. >> Is this a different one?

>> Yeah. >> Oh my god. You have so many payments and. What's your minimum payment for. this 2008. uh $169.19? >> That one's bi-weekly. It's $250 by. weekly, I believe. >> Pay $500 me. Okay. Then I have another. payday loan at 443%. What did you get. this for? $2,600. Um. 400 of it was for his third bond and. then the other the rest of it was two. payments on the Escalade.

I. we are so done guys. Oh, this is going. to be an interesting budget. I'll tell. you that. What's your minimum payment. there? >> Um I'm not paying it right now. >> What's the minimum monthly payment? It's I think it's in collections. It. stopped trying to come out of my bank. account. >> Which one? >> Okay. Well, mark it as collections then. [gasps]. [sighs]. >> Okay. The Ram. Didn't I already account. for this? Didn't I already do the Ram?

The truck. 19,000 with the $500 payment. >> Yeah. >> Okay. sake. You got to go make more. money with the AI training job, dude. >> Oh my goodness. And then John Deere. >> I thought we were like approaching done. >> Well, that's for the business. 320. It. doesn't matter. It's still debt. $328.32. with a minimum payment of It's probably. going to be like 25 bucks. Okay. Her. Roth IRA cuz she's so good at saving is. $315.

Incredible. Incredible work. Okay, let's. budget this, man. Let's budget this. This is going to be an interesting. budget. I'm going to call your dad in. the post show and I don't want to hear. about all this family debt situation. I. need to confront this situation. But. let's get the budget and then we'll call. your pops in the post show. Minimum. monthly debt payments. me. $1,950. What's your rent? 1,700. >> Yeah. >> What's your gas, electric, water, internet, all that combined? >> Uh 500.

>> Phone bill. >> 531. >> No, it's less than that. That was just. We just got new phones. >> Of course you did. You guys are. I needed a better phone. >> You need to finance a nice phone. >> What's your phone bill? >> Like 250. >> Oh, that's it. I would do helium. Pay. off your phones and do sell them. Get. out of that. Gas room drive. Drive.

And yes, unfortunately for the business, too. How much are we spend? >> A month. >> That's insane. Car insurance. How much? Uh. >> 400 a month. >> Necessary food with all these kids and. man. How many live with you? >> Just the four? >> No, two. >> Just two. >> Just two. >> Because you're an evil mother. Of. course. Absolutely. Okay. Actually, okay, that's easier. >> Come on. [gasps]. >> It's not as bad as you're making it. seem. >> I'm a good mom. >> All right, honey. $100. Use the meal.

plan. You're meal prepping. You're going. crazy on all that stuff. TP fund. Anything else for you and your kids to. survive this? Makeup, samples, school supplies. Changes every month, but $250 flat. Medical, healthcare, co-pays, monthly basis, anything? >> No. >> Gym? >> No. >> No. >> Uh, subscriptions with the kids? It is a. little hard. I'll try to do 100 bucks. Any pets? >> No. >> Thank besides him, obviously. >> He's your little wimpy little. drag around wherever you go. >> Yeah, she laughs about it cuz she knows.

it's true. >> Actually, I chase him around. He tries. to get away from me. He's like, the more. spicy he can't 7,000 hours to survive on. a monthly basis. is about rounded. 10,000 comes in, but you need to set. >> 8,000 a month to survive. >> Seven, but 10,000 comes in, but you need. to set 3,000 aside for taxes, which. means you guys break even, which means. you can't pay off debt. >> That's that. I mean, what. >> let's say some of it goes to the. business. So, that'll take away from the. business cost. So, maybe you have a less.

a,000 hours left on a monthly basis. But. even with your $1,000 left on a monthly. basis, that takes. still takes six and a half years to pay. off your debt. So the reality is, yes, let's continue doing that business we're. ramping, but months are going to be hard. in the winter. The reality is you need. to go work that extra job as much as you. can. You're working as many hours as you. can at that $28 or whatever an hour you. said. And all this money goes towards. the debt if you guys really have a life. together because this is just yours. It's not even his. All the money goes. towards the debt. You're paying it off.

And at that point, if you're bringing in. an extra 30% with this job, which I. think you can do even more, we're making. sure we're taking care of our tax. situation and you guys can pay off the. debt in like four, three or four years. depending. And that's worth it. Then you. guys have a great life together cuz you. need to catch up on retirement. You can. get a house at some point if you guys. really want to. But there's some major. things I need you guys to do for the. sake of you and for your kids. But you. got to pay off the debt first. Save up. for our taxes. Set that money aside. And. you go work that job. Now I'm going to.

call the dad and I'm going to confront. him with this situation and let him know. what's going on and get his perspective. Hos show is going to be great as always. Let's get the hammer financial score. spending in a budget. You overspend 0. out of 10 death discussion 0 out of 10. emergency fund. There's nothing zero out. of 10 retirement. This is the only thing. you have but you're a one out of 10. dramatically behind zero out of 10 real. estate. Round it up.5 out of 10 is your. hammer financial score. Get yours at. kaleammer.com new and improved. Check it. out for free and click that join button. for join and hammer elite the best. membership on this platform by far. Proven multiple times. Three premium.

incredible highquality shows every. single day, 6 days a week, including an. extra 20 minutes of this episode called. the financial auto post show. We are. going to call her dad. It's always. juicy. It's always good. Or you can. download the Hammer Elite app or go to. hammerly.com. I'll see you in the post. show. She's not here right now. I need. to hear what's going on cuz this might. be the only time you have to talk. She's. pissed at him for not grabbing something. at Home Depot. She's like, I already. went back to the house. We made a whole. trip to Home Depot for bolts. I'm going. to murder you. Dude, >> if we're here 2 months in, she might. actually kill you. >> I stumbled UPON SOMETHING.

>> OH MY [screaming] GOODNESS. THIS IS THE. BEST POSTRO EVER MADE IN THE HISTORY OF. THE WORLD. GET Tyler in here now. HE. SAYS, "YOU DON'T LOVE ME, I just. launched the brand new Hammer Elite app. [music] 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 [music] through Saturday. Refer a friend after you sign up and you. get an additional 30 days of Hammer. Elite access for free. [music] 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 caleb.com/apply or click that link. in the description below.