He's A Monster | Financial Audit

He blames your guys' dad and you being a. new mom and your mental health. I was. even looking for second and third jobs. like working in retail and he wasn't. even looking anywhere. Was there any. thought in your head of like no longer. being there? There was definitely the. thought. How close were you? That's. huge. Yeah. He's not being a man. You. said it straight up. Yeah. Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. three exclusive dedicated. shows every single day, Monday through. Friday. And for the rest of the month, I.

am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammer elite.com. After. that, I'll send you a $10 digital gift. card that can be spent basically. anywhere and in most countries. This is. the best membership you'll ever join. That's a promise. Hi, my name is Kylie. I'm 34. Hi, my. name is Timothy. I'm 33 and we are from. Las Vegas. And this is financial audit. All right. Age liar. What else are we. going to lie about? Kylie,

welcome. Thanks for coming in from Las. Vegas, guys. Kylie, you're in front of. me right now. Yes, I am. So, I want to. know what you're doing for a living. Um, I service life insurance policies and. annuities. Cool. What are you making? Could be money. It's like $23 an hour. It's okay money. Las Vegas up and down on the price. scale. certainly make it more affordable. compared to the states next door, but. definitely has gone up in price since. the pandemic for sure. Uh, what hits. your account on a monthly basis from. this job? Um, we're looking at probably.

$2600. net. Okay, cool. And you, Mr. Timothy? Hopefully a correct answer, real answer. I am an architectural concept and. interior designer. Okay. It's either $0 or a lot of dollars. typically. So, which one is it? In this. case, it's uh monthly I get about. $4,400. Okay. Not bad. Not bad at all. Good. Good. Good. Good. That's what hits.

your account. Yeah. 70,000 a year uh is. my salary for good. We love it. How we. how we living in Las Vegas, guys? $7,000. a month net ain't half bad. How we. doing? How's life? Um, obviously we're. choosing to live comfortably. And that's. why we're here is because we've hit a. few uh kind of emergencies, you know, where you needed some emergency fund. And why didn't you have an emergency. fund? Uh, well, I first got my job right. out of college, right? Moved right to.

Las Vegas. Met her two months after I. moved out there. So my lifestyle out. there started off in the, you know, dating, exploring, you know, doing new. stuff, buying new stuff, going on. vacations, and then uh then the wedding. I'm confused. That's that's your. emergency fund is poking your things. My. my e No, I No, it was on like dates and. and gifts and vacations. for her. specifically. I don't know if. it was just a slip of your brain of.

meaning what you're actually talking. about. You said emergency fund. Yeah, we. didn't have an emergency fund because I. prioritized. You said fund. Fun. Emergency fund. Fund. Emergency funds. I'm glad you're. correcting it, but I'm a little nervous. of how you said it. No. Emergency funds. Now, we didn't have emergency money. because we prioritized If your emergency. fund is going and sticking. in different people. I'm a little. nervous for him to live in a city that's.

known for uh strippy. I didn't I met her. two months into moving. I went on one. other date. No. No, we met on Bubble. Okay. Okay. The online version of. that life. Okay. Good. Basically. Yeah. Yeah. So, okay. Good. Emergency popped. up. You haven't had enough money? didn't. really tell me what your emergencies. were specifically, but we didn't really. have emergencies back then. No, we just. spent all of our money. I'm asking how. life is now. Why are you guys talking.

about that back then? I'm so confused. How'd you get back there? How did you. get back there? Did I ask about back. there? How do we get back there? Um. because I was talking about how we're. living com we were living comfortably. Were guys, I'm asking how life is. You're making $84,000 a year net as a. household. I'm asking how life is. And. we're like back then was we were still. living comfortably. and prioritizing. things that we probably shouldn't like. fun and convenience. We like to buy.

things for our daughter. That's a. number. A daughter? Yes. Yes. One child? One child. Age? Three. Three. Cool. So, you guys are married, right? Yes. How. long? It'll be 5 years this. Okay. coming on financial audit. 5 years into. marriage. I mean, that's one of the. longer marriages, I'll be honest. And. I'm a little concerned at why the are. the finances bad 5 years into a. marriage. Well, basically, I had a baby. obviously 3 years ago. Um, we went down.

to one income and kind of How long were. you out? Um, 8 months. and then we switched and he was a stay. at home dad for two years. Why? because. the mental load on her and like the. reality of being a stay-at-home mom was. a lot. And I What is that? Wait, what was that for you? I Why aren't I? I. mean, you guys make money now. Mhm. We. could have afforded some kind of daycare. or something. We did for like a day and.

a half. Why' you for a day and a half? So, why why' you stay at home for 2. years? Because I mean, you might. understand if you ever have kids. someday, but when you put your kid in a. daycare and you can watch them on camera. all day being ignored, but it's just. they basically put her in a bouncer and. then ignored her all day. Maybe a. different place. My concern is Well, my. main concern is again, she's making half. the income a year. We can't live off of. $2,600 a month, right? That's I mean, that's $31,200 a year. We can't live off. of that. So, I I'm okay with.

stay-at-home parenting. I'm not In fact, it might be preferable. I'm not. criticizing that at all. I am. criticizing. $30,000 a year being the income we're. living off of in a not a cheap city. Yeah, there was he was supposed to have. like his own kind of side business doing. the same thing and things just didn't. doing the same thing watching kids. No, the same 3D renderings, modeling, design. Okay. Um I was making 90,000 at.

the time. My company has to work at. home. Yeah. And consider that. Yep. They. they off they said no. They offered they. offered it to another employee though. They would let him work a week from home. and then a week in the office. So I. asked for the same thing and they told. me no. So they just straight up said no. Yeah. And I asked I asked for more. money. They said no. They said you're. basically excuse me. Can I work at home. and get more money? I I sat down. I. said, "Excuse me, guys." I said, "You. know, we just had a daughter. My wife. stopped working. like I need, you know, a little bit more money or I need the. flexibility to work at home for a week.

and then work in the office for a week. And they straight up told me, they were. like, "No, you'll just be babysitting. when you're home." Even though during. the pandemic, I worked from home and I. proved to them that I can be, you know, just as efficient. And was there a baby? No, but that's different. This video is. sponsored by Aura. And before you skip, you might want to see the crazy stuff. that I just found out. Want to see. something crazy? I just Googled you. Is. this your address? Wait, what is your number?

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rather than giving me even like say. like, hey, okay, we'll do this for a. temporary period cuz even during the. pregnancy, I was working from home and. taking care of her because she had a. very rough pregnancy. But it is. different than taking care of a newborn. Yes, it is. But like I I can see both. perspectives. I wouldn't have been the. fulltime care. She would still have been. the full-time caretaker of our daughter. I just would have been there for a. little bit of help, you know. But can. you understand the perspective though? Like they can have you.

who's not there not doing work, not. collaborating with others or someone who. is. Yeah. They took some they brought. somebody else in who did their job worse. did the job worse than me and they were. says the former employee. No, the guy. was texting me after I quit because he. needed help. He was like, "Oh, I'm so. worried that I can't compare to you.". And then he's like, "Can you help me? What What did you do?" He's the. employee. That's not your boss texting. you. That's your No. Yeah. It's my I I. didn't help him at all. But is they. filled the spot of me with somebody. worse rather than letting me company. that they believe or get fired another.

employee was doing. Everyone thinks they're bigger than the. company. I like how he starts talking. the moment I start like he pauses. I. pause and then I jump into a sentence. and then he jumps in at the same exact. time. How do you think our conversations. go? Arguments. I'm supposed to be the. one that interrupts people. Let's get. That's right. That's my thing. Yeah. Okay. I just get used to it. Just sit. back. The worst thing was they told me. two times, "We'll figure something out. We'll figure something out." And they. made no effort to figure out. Yeah. Sounds like they were honestly pushing.

She finally hit her breaking point. I. was like, "I'll do this from home. I'll. do it freelancing because then I'm open. to more companies." But they said no. Yeah. They said no. So I was like, "Okay." Which they can. And I was like, "Okay." I was like, "I'll, you know, go. do it freelancing." Yeah. I quit cuz I. was like, "I can do this freelancing. I. can get more companies." And. unfortunately, it just And was this the. company that threatened to sue you? Yeah. Because after I quit, I sent them. a long Well, after I had a seizure. because of the stress that was added to.

our life, like a full-blown grandmale. seizure. I sent them an email. I was. like, "Hey guys, like I just had a. full-blown seizure. This is, you know, on your guys' part because you guys have. added all this extra stress to my life. You guys don't care about neurode. divergent employees. LA. What's your. neurode diverent? I I don't know what I. got to I got to go in and get tested at. some point. It might be ADHD. He doesn't. have anything. He doesn't have. anything. And he emails the. company saying, "You don't care about.

neuro diversion." By the way, I don't. have anything. You don't care? No. I've. done the self assessments. I've been. assessed with What? Did you take an. online autism quiz? Yeah. Oh, those are. that's like the Harry Potter house. assessment quiz. Those are so nothing. All right. Well, I know how my brain. works and it's up and I don't think it's. normal. So, I find it neurode divergent. because I'm not neurotypical. I feel. like you went down the rabbit hole of. self diagnosed forever. Now, you had a. seizure. That's something. But come on.

self diagnos. brain. Then go get diagnosed. Yeah, I. need to I've been dealing with some. other This was multiple years ago. No, it was like two years ago. And I've been. dealing with other specialists and. neurologists and psychiatrist seizure, but you've never been diagnosed. You. can't go to the company and say, "Hey, this was your fault because you don't. care about mental cease and desist.". Yeah. And you probably deserved it. Hi. And I took it and that's what it is. And.

you cease and desisted. Yeah, I stopped. bothering him. Good until I got back. onto a good mental page after my. psychiatrist and I apologized. That was. the last time I sent him an email was an. apology for, you know, lashing out and. doing what I did. But you were tic tac. diagnosed. Let's be honest. I don't. believe I was. I'm going to go for that. might have started it for sure. This is. where I learned about it. But then. happens with everyone. This is a whole. generation and a half of people that get. on TikTok and they're like, "You're. this, you're this, you're this." And. they theying just endlessly endlessly.

pile it upon each other's brains. They. convince each other that they're. victims, that they're self diagnosed. Like this is like crazy what is. happening with these generations and. you're doing it. You emailed your. company. This is insane. This is insane. I can't believe where we are as a. culture. This ising crazy. And that's. not even politics. That's crazy. My goodness. You self that you took an. online autism quiz and you emailed your. company saying this was your fault cuz. you don't care about like me. Like 2.

seconds where I was like I'm going to. take this test. Okay, I just found this. out. No, it was like a long freaking. winded like long looking at Tik Toks and. they're like I'm I'm autistic. I'm. autistic. You're autistic, too. No, it. was research into doctors and what. doctors research into doctors, not into. doctors, but what doctors studies have. put out about the conditions and the the. why you've been officially clinically. diagnosed? No, I haven't. That's. interesting. That's really curious. I. will go and get clinically diagnosed. You've had two years to do it. Your.

neurologist did offer to refer you and. you said no. What the are you doing? You. actual creature. Oh, you deserve that. cease and desist. Yeah, I did. That's. why I took it. And well, you can't. really do much with them, right? But I. mean, I didn't fight it or do anything. It was It was what it was. They sent it. Listen, that's honestly a. little bit of bull. Okay, listen. If. someone if someone here personally was. like, I need to work from home because.

we just had a kid. Need to help my wife. I would have allowed a temporary with a. hopeful end for that work of home cuz. we're very collaborative, right? Cuz. we're in work in art and you kind of. work too in a different way. You little. tip. Shut the up. Okay, shut quiet. I would allow that for a little bit. I. would allow that because that, you know, that's how I operate with a hopeful end. date, but I understand the collaboration. in an artistic environment like you. making YouTube videos or architecture or. things like that. I get that. That being. said, she calls you on your bull. Yes,

she does. Like, if you don't know, if. they don't know, if there's not proper. communication, not proper diagnosis, no. one can do anything with anything. No. one can do with anything they don't. know. I told them, but you didn't know. She just said you did not know. No, I. but I told them that I was stressed. I. told them that it wasn't that my health. was going down and they said that's your. fault. You set the expectations which. you know for what it's worth for what. it's worth. Well, how what's the size of. your team? It was a company of about. what's the size of your team.

per project? Like 10 people. And here's. the thing. If we work in a small. company, you know, we got 25 people. here. If one person is saying, "Hey, this job is really stressing me out. I. can't do it anymore. I can't do it. anymore. I can't do it anymore." That's. really difficult cuz that everyone. because on a small team you everyone and. I would honestly I know this is more. brutalistic, but I would rather get. someone in there that is able to perform. to support the whole team than not. Now, if we're in an organization of a. thousand people, that's where there's. more flexibility. Apple is able to have. that more flexibility. Google's able to.

have that more flexibility. Hammer Media. is not. I was managing just the 3D. renderings and there was no reason I. couldn't do it from home because it was. a very capable position. I wasn't. collaborating half the time. I agree. But it's their choice, not yours, right? Yeah, absolutely. That was it. But they, you know, I was doing it probably five. times faster than what they could. outsource it for because you outsource. renderings. Yeah, it takes It's always. the former employee that says they made. the biggest impact and they they've done. the most and they can do everything the. best. This is what everyone does ever.

When I left that other job, I did that. I had three projects at my company where. the employees have straight up still. He's still doing it. They straight up. told me like, "Hey, you know, we needed. somebody like you at this company a long. time ago." And if he leaves you, he will. say, or if you leave him or whatever, break up like, "I was the best father. The new father is not even close to his. good. I was the best father no matter. what. I was the best guy he'll ever. have. I was a good guy. In fact, I was. the real guy. She doesn't deserve me. I. was the good guy." This is how he's. going to This is how he operates in. life. I know these people. Come on.

You're the good guy. You're r/ good guy. I'm just filling you in on what happened. from your very skewed perspective. I'm. just telling you the exact facts of how. things went down and why he sounds like. Kermit got out of my. You know, now that you say that, I hear. it. Kermit's cute though. All right, guys. What a Okay.

Oh my gosh. Okay. So, before we went. down that rabbit hole, I'm assuming. you're saying this all started at the. you no longer having a job. Is that what. I'm hearing? When I quit my job. Yeah. That's when everything snowballed. Now, he quit his job. Why didn't he What was. his job finding process for a remote or. part-time position during that? So my. perspective is we had the plan to have. him freelance. He had one company lined.

up where he was supposed to do the. modeling for these new builds. Yeah. I. don't know what they were, houses or. whatever. And so my impression was, okay, we're going to be having around. 100,000 by the end of the year. That. carries us so I can work for, you know, 50,000. I think it was a little less. than that. Um, and then come maybe. February, we were in Disneyland and I. was like, "Oh, well, when is when is. this going to start?" And he said he. hadn't heard from them. Jobless in. Disneyland. No, we were on vacation.

Yeah, we went on vacation. you didn't have a job. Why are we. going to Disneyland when we don't have a. job? Jobless in Disneyland. Also, why? The. kid was like what, half a year old? Seven months, I think. Yeah. Very. definitely when they're forming. memories. Yeah, it was cheap, but I think it's cuz. it rained the whole time. So, we took. advantage of the the cheaper prices. You. guys didn't make money. Okay. I did. I. was making money just for a couple. months. So, yeah. No offense, but I.

mean, add your money to his. Yes. Is a. significant contributor, but if we live. off of yours alone, we can't. Yes, we. found. So, he promised he had jobs lined. up and he was going to be working. He. didn't promise. He just kind of alluded. to the fact of Well, that's the plan you. guys made together is what you were. essentially saying. Yeah, that's that. kind of a promise without saying I. promise. Yeah, that was my impression. was that this new job was going to start. in the new year and then it never did. And when I asked it was like, oh well, we never finalized anything and I asked,

you know, have you reached out to them? Oh, I haven't heard back. And then. eventually, I think after that vacation, he reached out. What is wrong with you? Why aren't you stepping up? From my. point, you guys couldn't even survive. from from your perspective. From my. point of view, the Jedi are evil. Like, what are we I mean, I can pull up the. email try to pull up the emails from. when I was contacting them to see, but I. I swear I was emailing them, you know, at least once in two every two weeks. So, your perspective is that you emailed.

them every two weeks from my memory. Yeah. Yeah. Yeah, but if you were the. reason we're in this mess and you. promised without saying the word promise. that you would be working on this for. your wife and child, newborn by the way, and then you didn't, that's a bit I was. reaching out to companies, other. companies and them. They just never got. back to me. I never saw anything. He. just I never asked either though, to be. fair. Why weren't you pushing them? Cuz. I was already stressed out and I didn't. want to ask. These guys didn't make any. money and the dude wasn't stepping up at.

all and he stayed at home for 2 years. doing nothing, jerking off and. strippers. I don't know. It's Vegas. I'm. just assuming he was always with her and. he can't drive. So, he wasn't working. He reached out to companies, didn't. fulfill his promise, and we just started. going further and further than that. How. did this process look? What did life look like? What were we. doing? Sadly, we were kind of living the. same lifestyle off of my income. I tried. to take the reigns of like consolidating.

our debt through some kind of. consolidating. Okay. Yeah. Some kind of. debt relief company. I don't know. But. that ended up making it way worse. Um I. thought I was under the impression that. they would make minimum payments cuz I. was keeping up with minimum payments to. at least pay for everything, keep our. credit high. Um we owned a house at the. time so um making mortgage a house at. the time. Yeah. Wait, how are you guys. even affording a mortgage? Uh, our mortgage was like $1,800 a.

month. Yeah, but you're It was honestly. cheap. Yeah, but you're making 26 rent. Yeah, sure. At the time with low rates. Yeah. Uh, but you're making 2,600 like. No, you could have rented a smaller. space. I know the newborn's not ideal, but 100% could have. Could have. That's. what we ended up. We had to rent an You. sold your Okay, so you sold your house. Yeah, we had to sell our house. Had to. What's had to? It was the easiest. solution to to get out of all the debt, pay off all of our debt.

So, we sold the asset we were on that. was going up in value that we likely had. a low interest rate on, paid off all our. debt, and now we're in a into now we're. in a ton of debt again. In hindsight, I. credit it because the market's kind of. cooled off and houses aren't really. selling as much. Doesn't matter. At least you would have been in it. Good. luck getting in right now. You also. would have been locked into a low rate. What? You care about a 2-year movement, not a 10 year, 20 year? Come on. That. doesn't make any sense. You paid off.

your debt, and now you're on the show, which means, fun fact, you have debt. So, you made no progress, lost an asset, and lost a great rate that we're. probably not going to see for at least. decades unless something dramatic. happens, which was partially my fault. because of my credit card. We racked up. before we sold the house, we racked up. Why? Why were you racking up so much. debt, guy? That wasn't working, fulfilling promises. I am terrible with. like seeing the credit line and I. thought that was spendable money rather. than like going off and setting a.

budget. So I feel like you guys have. very different perspectives. I feel like. you guys have very different. perspectives on this especially with the. in my opinion in my opinion from my. perspective it's just I I don't trust. what you guys honestly say in front of. the other person right now. So, I'm. going to do a little thing that we. haven't done because I want to hear what. you honestly think about what the other. person's saying and what the other. person thinks and what is actually going. on in your situation. Timothy, can you. hear me? Timothy, can you hear me? Timothy, Timothy, can you hear me?

Timothy. Timothy, can you hear me? Guy. Okay, good. The number one YouTube. membership just got upgraded. And for. this month only, you can join for free. Three exclusive shows every day, Monday. through Friday. Financial audit post. shows, exclusive and uncensored. financial audit episodes, our call-in. show, hammer it out. Then take the. train, and brand new shows, fat and.

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just need to know from your perspective, especially on this job situation where. he was just hiding this and it took him. forever to get in, what is his impact on this financial. situation when it comes to selling the. house, paying off the debt, everything. Um, and now back in debt, give the. perspective. I It's It's huge to be. honest. um now is not as bad, but I once. we paid off his credit cards, I didn't.

allow him to his credit cards. Did you. have any debt? I did, but I didn't pay. Why did you guys pay off your his credit. cards? Cuz it was higher higher amount, higher interest rate. Okay. And I did I. did pay down mine. I just didn't pay it. off. So. So you'd say he's a would you say he's. the significant contributor to all this. debt? Uh yes. Yeah. Now, and what do you. think his perspective is? What do you. think he would say? He would blame it on. like me being a new mom, my mental.

health and that. He blames your guys'. dad and you being a new mom and your. mental health. Yeah, cuz we did make a. joint decision for him to stay home. I. just didn't think it would last. conversation. Yeah, two years is wild. What is your perspective of I keep. saying that cuz of you guys. What is. your uh mindset on the fact that he was. at home for two years where you. guys were scrging on like little income, still going to Disney, but little income. and trying to survive. Yeah, it was it. was rough. I mean, especially last year, like summertime, we moved into a house.

with his parents. Oh my his Oh my. Okay. His dad's retired. His mom works. from home just like I do. So, we had. plenty of child care. Um, and when did. he start working this job that he has. now? February of this year. He was doing. this for 2 years. What do you think. about that? 2 years. What is your honest. take? He doesn't hear this. He will when. he watches it, but yeah. I mean, you. have a few weeks. Well, come on. What do. you think of the fact that he sat on his. ass for 2 years? Yeah. I mean, those.

thoughts went through my mind. I just. didn't say anything. Why did Why would. you not say anything? Well, you know. what it's like to argue with him. I. didn't want to deal with it. Yeah, but. that doesn't get us anywhere, does it? No. I was even looking for second and. third jobs like working in retail this. last fall and he wasn't even looking. anywhere. That's unacceptable. That's. actually borderline disgusting. Yeah. That is like like that that's that is. he's not being a man. You said it like. straight up. Yeah. Oh my goodness. And.

you did you consider it all? Did you. consider I know there was a kid involved. and that makes it so much harder. But. was there any thought in your head of. like. no longer being there, dude wasn't. sticking up, dude wasn't fighting. Yeah, there was definitely the thought and. then it kind of ran through my mind of. like is he going to. want like alimony or something like. that? I don't know how any of that. works. And you didn't because of that. Not the only reason, but that was. definitely something. How close were. you?

I don't know. Maybe like for 40%. That's. huge. Yeah, that's huge. Yeah. You married someone who refused to step. up. What finally pushed him to get a job. this earlier this year, a few months. ago. Just a few months ago. And he's. probably going to try to sue them. It. was just me and his parents nagging him. You had to bring his parents into it for. him to act like aing adult. He's 32. Yeah. I mean, when since we all live.

together, they wanted, of course, we pay. half the mortgage, so it was my income. was basically getting wiped out. This is. embarrassing. This is embarrassing. And. I need to hear his perspective. So, we're going to move to him. Okay. Can. you hear me? Kylie. Kylie. Kylie. Kylie. Kylie. Kylie. Okay, my guy. Here's the thing. I want to know in your. opinion, how much of the reason you guys are in. debt is because of you? How much of the. reason you guys are in debt is because.

of her? This whole, you know, the. two-year situation and everything. I already have her perspective. So, a. lot of it was because of me. Really? Yeah. And how much would you say is on. her. like percentage wise or? Yeah, like 25%. Okay. So, 25% is on her. Um, why did you decide to get a job recently. after two years? What finally pushed you. to go get this job? I've been looking. for over two years or not over two.

years, but I've been looking for longer. than when I just started. um probably. the last. actually yeah close to a year ago I. started looking um once we moved into. our new house because your new house our. like a family like like our family house. that we have now um and that's when like. we had daycare situated that's when I. was able to you know get back into you. know really pressing and getting into. the work field and what is now that.

you're living with your parents what has. your parents perspectives been on all. this you not working and everything. Um, obviously they were pushing me to get a. job and so now that I'm working again, they're obviously very supportive. They. drive me to work every day since I'm not. allowed to drive. You're 32. Yeah. Well, if I was You need your parents to push. you to get a job after 2 years to man. up. They didn't push me. They just. helped me with the daycare situation. You were sitting on your not doing. anything if we're being honest. Come on. Come on. Come on. I was watching my.

daughter. How do you think she felt? My. daughter? Kylie? Oh, I mean, not great 100% of the time. I know that. from our arguments that we've had. Arguments? Yeah. What do you think was going through her. head? What kind of work was she trying. to do to bring in extra money? I don't remember any like extra money. You don't remember anything in the. conversations that she still has even. that has happened that she was doing to.

turn Do you think she ever considered. recently? I know she's been looking at. jobs that bring in more money recently. Do you think she ever considered leaving. you? Yeah, we've Yeah, you had. conversations around it. Yeah. Tell me. about those. Um. I can't remember what the fights were. centered around. I think it was just the. amount of what I was doing. you know, she felt like I wasn't doing enough and. so she, you know, just got fed up with. it and threatened to go back home, you. know, live with her mom,

take my daughter. I mean, you guys aren't completely. separate. Like, I feel like. he considers it to have been about 75%. his fault for what it's worth. 25% your. fault. Yeah. still. But he did consider. it to be a little bit more his fault. And he knows you considered leaving. You. guys talked about it. You threatened to. go back home. Yeah. Except he has no. idea that you were looking for other.

jobs while he was sitting on his He has. no idea. That's that might be a memory. issue. Yeah, that's what I said. It's. other jobs. I know she's always been. looking for other jobs that bring in. more money, but when you said extra. money, like I thought she was looking. for extra jobs while you were just. sitting there. You might not remember. it, but I'm telling you now, you were. sitting on your butt for two years and. she was looking for extra jobs just so. you guys could actually make your. payments on things because you wouldn't. do anything. And then you had to have. your parents nag you until you got this. job. I was still looking.

Looking. Come on. His looking. What was. his looking? Opening LinkedIn a couple. times a week and hitting easy apply. Well, I feel like too you were looking. for like a niche job. Yeah, I was looking for something in my. She was out there looking for a second, third, fourth job. You can't look for. the niece job. You get a job, bring in. money, and look for the niece job while. you have the job you don't care about as. much. You don't get to sit on your butt. while she's grinding.

That's It was more like Christmas time. I was Well, like September to December. when I was applying for retail jobs. I. retail. Just had birth. gonna put gonna. stand up anding work retail. Nothing. wrong with retail. This one's last year. I mean, still, come on. You're gonna. make your wife go and work retail? Well, you do nothing except do easy. apply a couple times. How many jobs are. you applying to a week?

Two years ago, maybe one or That's a joke. That's a. joke. That was when I was being the. primary caretaker. Then the last year. probably three. That's a joke. Should be. three an hour. Three an hour. When did you guys move in. with the parents? About a year ago, June. Then why the weren't you out there. grinding? They're retired. I know that. They could have watched the kids. You. should have been out there working your.

off at McDonald's if you had to. Yeah. No wonder she was 40% of the way. from kicking your ass out of the house. Yeah, hindsight I obviously see that. And guess what? Now you guys are here, which means you guys are not in a good. position. I know we've been talking a. lot about what's been happening, but it. is very important for this conversation, but the fact is we are not even close to. a good spot. We have $122,000 of debt. Guess what? There's not one.

mortgage there. 30,000 owed to your parents. Oh, for. sake, guys. Oh, for stupid. sake. What is that? What is this? What. are you? Oh, for sake, guys. Oh, what are. we doing? We're not sitting here having. a conversation how bad things were. And. now I'm glad we had a redemption arc.

Things are now. Now. Good death. sake. Listen, when you're looking for a different. career field, I'll at least gift you a. course career certification to help you. boost your resume and get into something. that you want. If there's anything on. there that you want, okay? I'm going to go 3 2 1 go. And on go at. the same exact time, you are going to. say what your score is as a household.

Just you two, not your parents. You two. and your kid. As a household, your. finance score 0 to 10. Zero being the. worst, 10 being the best. Okay, do we. understand? Yes. 3 2 1. Okay, pretty close. If you want your. financial score, take the assessment. It. is free at calehammer.com. And if you. don't want to end up like a guest on the. show, make sure you download our Dollar. Wise budgeting app, take your free. trial, sign up for the annual version if. you want to save money, and get my. budget friendly cookbook that can't be. purchased anywhere else. I'll sign up, mail it directly to you. You can sign up. for Dollar Central if you want all of.

our classes and the premium version of. the app for 80% off. Go to. dollarweise.com. Don't forget calebhammer.com/apply if. you want to come on this show. Okay. Okay. This isn't a debt. They I again I. go in blind with the audience, right? They know everything about you. They they get paid to be stalkers. Like. it's a pretty good job, right? Sleuths. through people's personal lives, but. they decided to uh put your checking.

account at the top, which is rare. Oh, great. And I understand the why. All this past. talk, past talk, everything's today. Negative $2.17 in our checking account. What are we possibly doing? What the are. we doing, guys? What is happening right. now? The past. No more past talk. What. is happening now? You guys make money. and you don't live with your parents. What is happening now?

Well, not that we're proud of it, but. once we get our bills paid, we just kind. of Yeah. Why? You went from owning a. house for your child, by the way, to now. owning out a single asset, $144,000 of. bad debt, not a single piece of good. debt in there. $144,000. And we just. blow money and end up negative in our. checking account. Why is that the life. we're even considering living? How How. is that the life where you owe your.

parents who you're living with money and. yet you're going and blowing money and. having negative money in your checking. account? They ought to kick you the out. Well, we pay kick you the out. Huh? We. pay half their mortgage. Half their. mortgage. Well, lucky you big boys. Good. job. I'm glad. What adults? They should. kick you the out and make you guys. learn your lesson. What a joke. You owe them money. They. subsidize your life. by only making you pay half the.

mortgage. Yeah. And then you blow. everything and go negative in the check. account instead of paying them back. They I hope they see this. They're. probably disgusted. Disgusted. I would be. Do they know you're. negative? I think they've known we've, you know, I don't know. We don't really. talk about We barely talk about finances. with each other, let alone other people, your parents. Yeah. We are going to call them in the post.

show and you're going to confess that. instead of the money you owe them, you. are blowing it all and we'll go over the. exact amount cuz we're going to find. out. You're going to tell them that and. you go negative in your checking account. instead of paying them back and. hopefully they. Glad you have to do that. It's insane. It's insane. Yeah. I want to make the. daughter-in-law. make his son. They have Oh my gosh. So, they looked up the area. There are. listings for rental homes in the area. for less than what you guys are paying.

your parents. They just sent me five. homes that are cheaper to rent the. entire home than what you guys are. paying to your parents. What are you doing? You have no. independence. And they can still watch. them. You're close. That doesn't mean. your the parents don't watch their. grandchild, right? You don't have to live with them for. that. What are we doing? Did you blow. all your money? This is disgusting. This. is unacceptable. Well, part of the the mortgage payment.

that we kind of give to them is paying. them back. But that's only towards. paying them back. Yeah. What? 300 a. month. 300 a month. Yeah. Great. So, okay. But it's only for half. So, it. takes 300 months basically. Now, with. the the other 15,000 Yeah. Yeah. Other. 15 Yeah, it was too We'll get to that, I. guess. So, we know what came in, right? We know it comes in on a monthly. basis. 7,000.

Um, something extra did come in. We had. a big wire hit. What was that? Is that. the 15,000? Yeah. Yeah, that was um part. of the loan. So, his parents gave us. 15,000 so that we could pay off one of. his It's always his debt. Why is it. always his debt? Cuz he has a better credit score and he. had more income. So, we put a lot of the. debt under his name. And you're okay. with this or does he push for it to. always be his debt? Cuz it's like always. his debt. No, I mean, especially for.

that person alone. That's years ago when. I was trying to consolidate both of our. debt. It I don't know why I didn't. include mine. It's just always his. And. it feels like he only has a decent. credit score cuz his mommy and daddy. take care of them. They put me on a. authorized user card when I was very. young. I didn't use it when I was. younger. Oh, you're such a baby. I. didn't use it when I was younger. You. guys plan to have a kid, but they put me. on an authorized so I help build my. credit when I was younger. Okay, you can. stop rambling. Well, it was an accident and then we.

chose to once that didn't work. So, it's. like 4 months of planning. So, 7,000. normally comes in. It was like 20,000 this time cuz you had. 15,000 wired in. Okay. What was spent? What went out? This. includes Yes. putting money towards. things and whatnot, but this is total. out. So, since I paid off that loan. thing, I'd say 20,000 that month. That. month? What do you What loan thing? The.

the settlement thing. You're including. that? Yeah, that's what was spent. I'm. putting money towards it. Yeah. If money. can come in for it, it can go out for. it. 23, huh? 23 25,000. 25,000. Even with the wire that came in, you spent thousands more than came in. How the. What is wrong with you guys? I don't even know how we did that. No. Do you guys just enable each other? What. are your conversations around money. today? What are your conversations? You. She He says yes, you say no. No, I say.

yes. We enable each other. Yes, we. enable each other. We don't talk about. What is the conversations around money? You don't talk about it at all? No. When's the last time you talked about. money? Sometimes I'll bring it up when. we're going to buy something. I'll ask. her if we've got the money for it and. we'll do a quick check and and if we we. don't talk about whether or not we need. it or if he can get it. It's just you. just get it. He just gets it. I ensure. that the car payment, insurance, all. that stuff's paid. Why are you okay with. this? Why are you allowing this? You. seem like the reasonable one. Or maybe. not. She just bought two L boooos for.

her. And. boooos. They're just invading this show. What the is happening? They're cute. It's more my daughter wants one, so it's. like, well, why not get two? She's. three. Yeah, she knows what she wants. Get her something fake. She wouldn't. know. It might be. I only paid $20 for. each of them. There's fake ones at the. mall and they were actually more. expensive. I'm going to kill you guys. Have you guys ever asked them to skip. rent? No. Yes. Yes.

What is this disconnect? That was last. year. That was December and January, I. think. Last year as in January this. year. Yeah, that's my favorite month. from last year. The is wrong with you, dude? How are you so disconnected? Only has. some stuff. He doesn't really deal with. any of the finances, the bills, the You. force her to deal with your parents. Force her. Then why don't you get.

involved? Why don't you step up at all? I actually asked you for a month to tell. them that. that we didn't have the money. She calls. you on your You just sit there. and you just I said I don't want to have. that conversation. It's your parents. It'd be easier. You do it and you. didn't. And I ended up doing it. Do you not remember? No, I don't. This is the hard part. How much of that. is an excuse versus real? Cuz he can. just say he forgets everything, right? Especially he seems to only forget the. tough conversations. I forgot we even.

went to a restaurant. I was like adamant. that we never been there. And she's. like, "Yes, we have. We went there last. year." I was like, "He argued with me.". Huh? He argued with me. But that was But. you did. That was a while ago. This this. this skip of a rent was only a few. months ago. Yeah. I I honestly don't remember. And how much did that do you think is. genuine? 90. Okay. She has room for doubt. Yeah.

It's not good. I can remember stuff like. the longer we talk about it. Like once. we got to that one restaurant, we sat. down. I was like, "Okay, I remember. being here now." But you didn't tell me. that until a week later. No, I didn't. I. thought I told you guys all at dinner. No, I told my parents. No, then I'm just. feeling like a crazy person. Like, yeah, a little gas here. Yeah, you did eventually, but it wasn't that. same day. Oh. Ever been so focused on. budgeting, cutting back on takeout, or. opening that high yield savings account.

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and use code Caleb to get $10 in cloud. points which can be redeeing for gift. cards to your favorite brands after 90. days. Let's get back to the video. I. feel like you never step up. Listen, and. I can forgive the memory thing. Absolutely. But I feel like even still, even if you don't remember not stepping. up, you still never step up. Like where's this child's dad? Glad you hold her. Glad you buy her a. little boo boos, but you're not stepping. up to actually help the house at all.

You helped while you were jobless cuz. you wouldn't get a job cuz you applied. to two a week. Oh, big guy. To skip rent. at the end of last year and at the. beginning of this year. to your parents. Is that not a joke? And then now that. you've already skipped rent, now that. you have money, we just blow it all. go. negative in our checking account. I didn't know that we were negative to. be honest. I download the statement. I.

don't even want to look at it cuz I am. afraid. Why did you guys use a budgeting. app like ours? It will literally just tell you. It. would just tell you how much you spend. And you can. you guys get it for free, so take it. It. definitely will. Yeah. Overdraft fees. Who would have. thought? I didn't know there was any. But I don't. want to. How do you not know? I am. Come. on. If you're the one that's going to.

take charge, it's a little unacceptable. that you don't know. I'll be honest. I'm. afraid to look. I just You can't be. That's not a choice. I mean, you can be afraid, but you still. have to be an adult. I know. I just I. wish that sometimes he would do that, too. I do, too. Why don't you? Why are. you being such a little? And no, it's not cuz you forgot. No, can't use it for this one. Forget I like. I look at the state or not statements, but I look at the app and how much we. have all the time and like it there and.

then all of a sudden Well, so that's. there's a lot of times where like I know. what's coming in and going out and then. I don't know like I didn't know how many. credit cards she still had. So I would. see like a few transfers out to like a. whatever. How do you know how many. credit cards you still had? I just didn't want to put the stress on. him. Oh, come on. I've heard that. convers I've heard that excuse from. someone else. That's not how this works, though. It's not fair that he doesn't. get to be informed because you're afraid. of putting stress on him. Yeah. Well, it. used to be like that he would have a. seizure if he was stressed out. So, I.

any stress at all. That's I think the. caffeine that I used to intake was a big. part into it. Cut that out recently. Listen, in this account, so much came. in. But then, oh, what do we do? Well, we can overdraft. Why are we overdraft? You know, so we can go to Hobby Lobby in. churro Hollywood. Ratzos pretzels. McDonald's. Going in getting some beef. Peacock premium. No ads. It's quite nice. Listen, for.

Love Island, I will allow it, but once. it's done, yeah. Out. Everyone has to. watch Hurricane Hood. I am a mom. Cube. the grief. Fantasy Land Resort. $828 for. a resort. Was that Disneyland? Probably. Instead of paying back your parents and. overdrafting, you're going to Disney. again. What the is wrong with you guys, though? No, no, no, no, no. If we're. overdrafting, we are not going to.

Disney. It was the last time we could go. before my daughter had to pay for her. tickets. No, no, no, no. You don't get. to go to Disney if you're overdrafting. Like, flat line. Well, we weren't. overdrafted at the time. You were over. You were in that same month, which is. that's what you led to it. It's what led. to it. That makes sense why we spent so. much. Then we went to Disney. And she. doesn't even know. You couldn't even. bring that up. Incoming wire feed, Dunkin Donuts, Hobby. Lobby, Amazon,

Pin Cow Thai Restaurant. It's so stupid. You guys are spending so much money. Sometimes when we go out to eat, the. bill covers for all five of us. You You. don't have money. You owe everyone in. the world money. You You don't go out to eat once unless. someone else is paying for it. Your. daughter's life is at stake here in. terms of her future, in terms of any. health savings account, in terms of any. school savings account, in terms of you.

guys having retirement so she doesn't. have to put her life on hold in her 30s. to support mommy and daddy who never. sacrificed. And how do we know mommy and. daddy never sacrifices? Oh, because they. live with their mommy and daddy. Yeah, that's the life that she's going to be. living and putting her life on hold for. you guys. Immature parents who choose. Tai. over their future. I wouldn't mind her living with us, but. I don't want her to pay for us. Yeah. Yeah. I want her to be able to go have. her independence, though. She wants to.

live with you by choice. Okay, maybe. Unless she's being enabled, but she. shouldn't be forced to because mommy and. daddy never took care of themselves. This is disgusting, guys. This is. disgusting. Unacceptable. I mean, ending with $2. I. mean, it was from it was from an. afterpay payment and a clar payment. Yeah, those are her. That's what over. the official edge because all we do is. finance finance finance finance. Stupid dumb. How much was spent going out to eat in.

the most recent month? Household. Households, what do we think? I know we don't budget, but we at least. go do it. So, we should have some kind. of internet. 500. Okay. 15. It's a lot. of money. That's a ton of money. What. the What is the difference here? What is. the You both said you look at it. Why. are we so disconnected? Again, I I I. would love to know. I don't itemize. stuff. I just know that. Well, I spend. at least. probably 250 a week. on Door Dash. Yeah.

And then if we go out to eat every Yeah. $1,800, by the way, I was close. Unacceptable. Disgusting. Embarrassing. What the is wrong with you guys? Well, it's usually easier to order food. No, it's easier. That's the point. And. that's why it's more expensive. You dumb. tit. That's how it works. Easier doesn't. mean cheaper. Easier doesn't mean it. makes more sense. How many hours a week. do you work? 40. You How many hours a. week do you work? 40 you meal prep. budget friendly cookbook this is simple.

dude you guys live with the grandparents. shut up started doing factor 18 listen. and that's good for people out of debt. they sponsor us I support them when. you're not financially you have $188,000. of bad debt $120,000 sorry $122,000. $463.14. of bad debt your $1,800 that went to. eating out yeah that pays that off in. literally 68 months months. That pays. that off in 5 and 1/2 years. Is that. great? No. But that shows that you can.

at least make progress. How much was. your mortgage when you had a mortgage? 1,800. Well, how convenient. And now instead of. contributing to an asset that goes up in. value, we blow it all on food. Money from parents. A debt. consolidation. So the debt consolidated. for you. 15,900. 14,100 for a car they paid off for him.

cuz they only do him by the way. What a joke. So $30,000. and then your minimum monthly payment is. again $300. So. takes 100 months. obviously did that. math earlier, but even still, even with my math being wrong earlier, cuz I'm. It still takes almost 9 years to pay. this off to your parents. How old will. they be in 9 years?

74, 73? You're okay with that? And also, is that. true? Uh, I don't know their ages, but. my dad is 30 years older than you. So, yeah. Come on, guys. And then you pay rent to. them. 675 a week is expensive. You could. totally rent the house. Again, they sent. me places, but but that covers. utilities, too. And daycare, technically. Yeah, but they but you.

don't have to pay grandparents for. daycare if they're good grandparents, you know. Yeah. That's utilities. Whatever. They build you out in every. way possible. So, yes, you probably. should, but you should just probably pay. them back for the debt, not pay them for. daycare. It gets a little weird. But. $35,100 a year is substantial. $3,000. essentially a month in rent, that's. brutal. Plus the 300 that you pay on the. debt to them, that's insane. That's. included. Yeah, the 300 a month. What is. our plan with the living situation, guys? Cuz again, is this a bit weird?

Um, are we going to just live there. forever? I'd love to move out maybe in like 3 to. 5 years once I 3 to five years. Yeah, I. want to build a savings and stop using I. agree. What you could have done, but you. blow $1,800 on just going out to eat. alone. Then there's other spending. categories. That's not the only one. Miscellaneous bull could be video games. It could be whatever is miscellaneous. that doesn't contribute. 2,300. So now. 2,300. plus the $1,800. What is that? $4,100.

We owe 122k. That pays off the debt in 29 months. That pays it off in two and a half. years. 2 and 1/2 years debtree. just by cutting out the miscellaneous. bull. Uh going out to eat. That doesn't. even include the unknown spending, which. is $1,000. We'll see what that is. That. doesn't include your groceries. It was. nothing cuz what the you don't do. anything at all. So it's like this is a. joke. You guys are prioritizing just. having fun right now. Yeah, we we like.

to use the excuse for our daughter. They. they should kick you out. They should. kick you out. This is unacceptable. behavior and it's disgusting behavior. You guys are immature and uh are not. acting like good parents. I'm sure you. love the child and you treat the child. with love, but you're act not acting. like loving parents for the sake of your. household and the future of the. household and the finances of the. household. And it's disgusting. Well, here's a credit card. Oh, shocker.

Maxed out. Disney rewards. Disney adults. Okay. We. don't have anything against them. We do. when they're in debt. Disney has card. Okay. 4 $499.77. with a $40 minimum monthly payment. 15. months to pay off minimum monthly. payments without purchases. Oh, we. purchased $682. What the f? Why are we purchasing on a.

card that we can't fully pay off? That's. where we get the discounts when we went. to Disneyland. Discounts. Disney. You. This doesn't make any sense. How are we. going? What is wrong with you guys? What is. wrong with you? Discounts at Disney. We. weren't discounting at Disney. We door. dashed Duncan. Door Dashed Duncan. Door. Dash McDonald's went to McDonald's. Door.

Dash Duncan. Door Dash Pizza. Door Dash. Duncan. Door Dash Duncan. Door Dash. McDonald. Door Dash Duncan. Door Dash. Wendy's. Door Dash Jersey Mike's Door. Dash McDonald's Etsy. Door Dash Double. Dash. Door Dash McDonald's. Door Dash. Duncan. Door Dash Wendy's. Door Dash. Duncan Marcy's Door Dash Duncan. Door. Dash Duncan Door Dash Duncan. It is 1 2. 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18. 19 20 21 22 23 24 purchased on this card.

and now one of them was considered a. necessity. They were all in fact. complete bull. and we've had four we've had three we've. had two late fees this year so far on. this card. What is wrong with you guys? I didn't know there's late fees. It's. on. Well, you didn't know you were under. in your checking account. You know. nothing. Even though you're the one in. charge of the finances of the household. You guys are children. Never have credit. cards again. You are not credit card.

people. This is what aing joke. But didn't I make a big payment on that. one? Yeah, I did. And but you. immediately spent, so it doesn't matter. And guess what? You all spent it on Door. Dash. It was $500 of Door Dash. $500 of. Door Dash. I told you I do like 250 a week. Yeah. On Duncan. 250 a week on Duncan. Probably. 250 aing. week on Duncan? How doing what? Cuz it's. like $20 each time. Getting what? Like.

coffee and donuts. Where are you? How. often? Every day. You're getting donuts every. day. How are you not fat? I don't know. You will be. I Yeah, probably. But I get everyone else. breakfast, too. everyone else. I. don't care. You owe them money. Stop. buying them donuts that you can't. afford. $20 door dashing donuts every. single day. You you.

everyone else? His parents. Okay. No, I. work from home. All this and you work froming home. You. absolute degenerate piece of. Yeah, you kind of are acting like a. piece of You owe them money and you buy. them donuts and you spend $250 on Duncan. Door Dash a week. A week? Yeah. Just Dunkin' Donuts alone. Well,

like funnels to debt would pay it off in. 122 months. Yeah. You guys are acting seriously like. 14-year-olds. like 14-year-old teenagers. living at home just because they are. enabling allowing you to stay there. Yes, you're paying rent, but look what. they're allowing. And they're giving you. money and paying off your debt because. you can't figure out anything in this. world. You guys are children. You are actually children. Are you not embarrassed? Yeah. Yeah. Then why have you done.

nothing? Huh? I I just don't even know where to. begin. Uh, not $250 on Duncan everying. week. Where would you begin? I'd look. there as a start. It's I don't know. It's a mess, that's. for sure. Yeah, great response. You've done nothing. You haven't tried. to do anything. This is You're. embarrassed yet you've done nothing to.

fix it. children. We've definitely. fallen into a complacency of convenience. and comfort. Shut the up. The. pregnancy, I would say. Oh, because of. the pregnancy 3 years ago. 3 and 1/2 years ago. What an excuse. What a disgusting excuse. What a moronic. excuse. What an embarrassing excuse. You. want to be attached to that excuse. No, but we also spent worse when before I. was pregnant, so it's been not just.

that. Yeah, cuz we used to make more money before I. got pregnant. What? How much did you guys make? You make. good money now. Feel like 175 I think a. year. Oh, I'm going to I'm just going to. take a all over this table. What the They just they let me in. on some lore. You went and got a $4,000 necklace while. you were unemployed in January, which.

is, by the way, a month where you asked. your parents if you could not pay rent. What are you, dude? What the is wrong. with you? Is he going to conveniently not remember. this one? No. Well, he told me he felt. spendy. He felt spendy. That's the way. he told me. What even is that? I don't remember using that term ever. But I don't We did on We even told. Lindsay when he said that. I felt a. little spendy.

You literally told Lindsay a couple days. ago. Yeah. Confirmed. What is wrong with. you? When he likes something, he's. hyperfocuses on it. I do too, but it. doesn't mean I get it. I do if I can't. afford it. Yeah. To be fair, I think we did have that in. our savings. It just made it to where we. couldn't pay. for anything else.

Yeah. Lindsay told Lindsay says she'll. she can tell us exactly what he said. because you have some conveniently timed. amnesia. Yeah. So, okay. So, you said that you paid 1,800. for it and then you financed the rest. You did say that you were Oh, that was. the ring. Oh, yeah. Cuz you also bought. her a ring for $3,000. Um, yeah. While unemployed. Um, and.

asking parents for delayed rent. Uh-huh. Yep. And then So, one of the reasons why. you bought it when I bought it is you. were sold by the saleserson. You felt a. little hustled. They told you that it. would have been $12,000. and you've you really were just getting. jealous because you kept seeing people. wearing them. And Kylie actually wanted. to buy you a $100 chain that was. goldplated and you went ahead and did. this. Now, Caleb, but here's the. sentimental part. He spent $4,000 on. this, but then he had part of it made.

into a bracelet for their baby that I'm. sure she'll grow out of. I'm just I'm. reading you for filth on that. Um, she. It's already pretty tight on her. The. It's already tight on her. What the is. wrong with you guys? What is wrong with. you guys? Making money moves should be. simple, and that is why I use Cash App. It's fast, safe, and way easier than. other apps. There's no hoops, no hassle, just the tools you need. Cash App makes. sending and receiving money stupid easy. I signed up in like 2 minutes, and I've. been using it ever since to split rent,

cover dinner, even pay my barber without. awkward IUS. Plus, if something looks. sketchy, Cash App gives you a heads up. before you send, like a personal. bodyguard for your money. And yeah, you. can even customize your payments with. notes, stamps, and fun backgrounds. Because paying your friend back doesn't. have to be boring. For a limited time. only, new Cash App users can use our. exclusive code to earn some additional. cash. For real, there's no catch. Just. download Cash App and sign up. Use our.

exclusive referral code Caleb 10 in your. profile, send five bucks to a friend. within 14 days, and you'll get $10. dropped right into your account. Terms. apply. That is money. That's Cash App. You're This is This Oh, this is so. embarrassing. Are your parents not. embarrassed? Do they ever say they're embarrassed or. disappointed or disgusted? Cuz they. should. No. No. We don't talk about stuff like. that. They don't see it though. When you. cuz you asked for delayed rent the. moment you spent on that necklace bull.

I mean, the conversation was had with me. and cuz I had to deliver the news and I. don't feel great saying, "Hey, this is. what was spent on the necklace." Did. they know about it? Yeah. About the. necklace. They know you did it in the. same exact month. Mhm. And. they didn't really say much. Oh, they're. they're equally disgusting cuz they. allow this. They refuse to promote any. kind of growth among you guys.

They allow that? What is wrong with. them? Yeah, you're going to confess all. this poster to them, but I might have to. yell at them. It's a 27.2% interest rate. You're. wearing it. Oh my. Oh, what are youing? This is He likes. the Flash. He wanted a cross, but I. thought that was more him.

So I said, "Get this one instead of the. cross." Looks like a middle schooler. You wear it every day. At least I do. Gets his money worth. Can't return it. So. I looked at that for my ring that I got. Can you ask his parents if you can. return him? They might not want that either.

All right. What is this Platinum. card? Oh, that was the a more recent card that. I opened when I Why? To try to boost my. credit back up. What the is wrong with. you? Just pay off your debt. Well, I'm. doing that, but it doesn't No, you're. not. Oh, shut the up. No, I just. looked at one card. You spent $250 a. week on ducking. Shut the up. No, you're not. You don't know what you're. talking about. What kind of is. that? That is a you bull. off. What? off. When did you open this? Come on. Don't me. I want to.

say in 2023, maybe 2024. Okay, so it's not new. You were okay. That's my latest. Curry, we spent $499. on this. Again, it's maxed out. No one's. surprised. There's fees going or we. haveing payment plans. 15 months to pay. off minimum payments only without any. purchases. But do we always purchase? Yes, we do. Yes, we do. So, we owe. $47641.

with a minimum monthly payment of $5355. Okay. Not one considered possibly good. purchase. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. This is the What is. wrong with you? Pull up your Amazon for. me right now, lady. Mine. I don't have. an Amazon app. So, it's you. It's you. She usually sends me the stuff when we. need to get stuff off Amazon.

Need Let's see. Need. Oh, you Android. freaks. He made me He made me a switch when I. got on his phone. You can be on an. Android. I just don't know how to start. a screen recording. So, you better start. it for me. Do you know how to? Nope. I'm. not tech. He might, though. I have this. one, too. You got it. Potty training. Fine. Buckyy's 50count. tub. Buckeyes. Buckey. Oh, that was my. mother's day gift. I wanted chocolate. It does. You don't need it. Mother's.

Day. Happy Mother's Day. I'm paying off. your the debt we owe you. They don't. sell Buckeyes in Las Vegas. I had to. order them. So, I don't. You've had more purchases than this. I. know for a fact cuz there's literally. more purchases on here than I am seeing. So, there's something wrong on here. Might be this one. What the is this? Thought you didn't have the app. I. don't. It's just on Amazon.com. Oh my. gosh. Slippers definitely don't need. that. Nail polish remover. Fine. The. slippers I think were my mom's mother. Uh, payment revision needed. Probably.

because we're maxed out. Yeah. Yeah. Yeah. Of course. Three-pack. Short. sleeve shirt. More shorts. Short. The. wrong one. Pet soft mail dog diapers. Old dog. Yeah. Yeah. That's sad. This is crazy. Spin toy. So many things. Lots of. laundry. It's like I'd say it's like 30%. bull. The rest of it I'm okay with. But. you spend so much on Amazon. What? You found out that he has multiple. Amazon accounts that he's paying for at.

one time. Yeah. It wasn't multiple. Amazon accounts. It was multiple like. subscriptions. Like the one was our. yearly The yearly one. Why? Because. that's just The one was like Amazon. video. The one was for her tablet. Prime. comes with everything. Yeah. Not anymore. I think they like charge for I think you. pay one annual payment and I think you. we pay a monthly one too annual one and. then I do think there's a monthly one. I'm not sure what exactly it's for. I.

think it's for video and I think the. other one's for just we have interest. charging this year fees. You're on a. payment plan for this one. This is I. don't know guys. Afterpay. Who's the afterpayer? Screams. you. Yes, it is. Usually it's like a. very feminine product for some reason. I. don't know why. It just that's just Why. is it women that use Afterpay so much? To be honest, it's out of convenience. Like if I don't have my card on me, I'll. just have your card on you. Debit only. because you can't afford a single thing.

Pull up your Afterpay. Yeah, you have your card thing on the. back. What is wrong with you? Well, he. carries our main card. I don't carry it. All right, Afterpay. Here we are. Oh my. gosh, the way this thing just tells you. to spend more money immediately just. right on there. I don't usually log in that either. So, I don't really know what it looks. like. I don't know how to navigate this. I've. never used it before.

Okay. Well, this $44 payment who uh do 30 was. due in a day. Someone just sent you a video snap. Probably our daughter. Probably. Yeah, probably our daughter. Well, like it's a. video of her from his mom. Oh, Old Navy. P Pandora. Yeah, it was for my mom's. Mother's Day gift. What is You guys are. so weird. American Eagle, Crocs, Sheen,

DW Show, Lululemon. You can't. You're not buying Lulu. You're at least getting Fablettics until. you're out of debt, dude. Old Navy, Old. Navy, T-Mu. We're going to T-Mu, but. we're also going to Lulu. Old Navy. Gap. Carter's gap. Carter's Gap. Come on. Carters. Carters. Carters. Carter. Gap. Stupid. Kids grow fast.

Does this work, man? It's ridiculous. You paid off the. balance because it was small, but it's. still stupid. Discovery card. Which one? Whose is that? I don't know. It's in collections. That's probably. $8,62. Oh, that's due. That was yours. What? What? What's going on? Is it in. collections? Yeah. Well, I make I make. payments on it. You do? I do forever. pretty much. Oh, sake. Okay. So,

you owe $8,62. What's your minimum. monthly? $50. That's. me. Is there interest on it? I don't. know. If there's not, it still takes 172. months to pay off. That's insane. 14ing. years. It's going to fall off your. collections by then if you didn't touch. it. But you did. But literally, it would have fallen off. in half the time. Not that I necessarily. even I mean I I appreciate. accountability, but it's still this is. actually I don't think those are paid. I.

don't think I pay on that one because. when I did that debt national debt. relief thing, they put a power of. attorney on it where I can't get it. removed unless I like mail them in. something. Huh? This debt? Yeah. I'm. sorry. I paid 50 on a different sake. We. don't even So this is just on there and. the debt consolidation hasn't done. anything. This is on for the next 5. years. Okay. So, what is the city card? That is. $6,189. That's the one I pay the $50. So, pass.

do. Okay. So, it's worth Okay. So, okay. But you do have that on your credit, the. $8,62. Why are you going into. collections and mommy and daddy you're. paying off his debt? Well, when we sold. our house, I used I think maybe 25,000. of our profit to pay off credit cards. cuz they were higher. That's. crazy. And remember, his name is. Timothy, but that's crazy. $2,493. So, what you currently own this, it's.

$50. It's on owed on the record for the. next 5 years. Let's see. It's going to take 10 years to pay off. Wait, did I do that right? Probably. Yeah. No, it takes four years. to pay off. Oh. That was the original mass. Oh my. Here's another one. Okay. Who's the. WFBNA? They're all mine. What is wrong. with you? Why'd you go into collections? Cuz I would rather deal with it than.

have him do it cuz Why collections? Why. noting make your payments instead of. going into collections, you tit? Well, that's that n national debt relief. They. I was under the impression that they. were sending the payments and they told. us not to send. They negotiate with them. and then you pay them and then they. usually pay off. But they wouldn't. negotiate until we had like a balance in. our account with them. So that's in the. meantime all of our stuff was going And. did you do anything with that? No, they. told us not to. So then I called the company and I was.

like, "This is not what I thought it. was." And I closed it. We got the funds. back. Oh, you closed it. Great. Okay. Yeah. Well, you owe. So now it's all. That's so stupid. Yeah. 3,589 is what on. this one. Are you making payments? I. don't think so. Okay. So it's just. sitting there destroy Yeah. Your credit. must be, huh? Yeah. There's another one. This one's on your record until 9 years. from now. Paid. Oh, wait. Closed. Wait. Joint auto loan. Paid. Closed. Never. late. Okay. Hold on. Original balance. $57,851.

This one's done. This is the one that. his mom paid off. Yeah, they paid the. negative equity. That's insane. They. baby you so much. You guys are never. going to be independent. You're never. going to be able to survive on your own. How could you? You guys don't do. anything. You're incapable of doing anything on. your own. Really? We did for a little. bit. Yeah, I know. We Then what changed? I think the impulse decisions of going.

down to one income really screwed us. over. And why'd we stay at one income for so. long, guy? Cuz you were a pushover that. did nothing. Being Yeah. You're lazy. Being a stay-at-home dad. Stay at home. dad. But for an entire year of that, you. were living with your parents which who. are retired. So shut the up. It's not a. full year. Come on. Shut the up. It's like that's some dude. You can use an excuse for a year, but. not the second one. It's like 8 months. Come on.

You're okay with this? I mean, at least. he has a job now. Yes. After he was. bullied by his parents cuz he's a child. Yeah. They didn't bully me. Oh, come on, dude. I don't trust you in a workplace at all. You got cease and desist from a previous. workplace. They're weak-minded. My one boss yelled. at a deaf or a half-deaf employee that. his name was on the building one time.

The guy was the nicest guy in the world. Yeah, sounds like the boss may have been. a dick. We get that. But for the reasons. you claimed that they were wrong was. objectively not. They didn't like that I. was right. You've never been diagnosed and you. never claimed you never asked for a. workplace disability of any kind of. treatment. You have absolutely nothing. You have no standing. And no offense to. them being weak-minded, but clinically I. think your mind is the weak one. It. gives up on you all the time and you. forget things like.

unfortunately. Very true. It's sad. It. sucks. But we're being real. Okay. What. is this? Uh moila. Uh, must be my. student loans. and never deferred. Okay. Well, they're. deferred on some save program or. something. Great. Until next year. Huh? Until next year. Cuz it's done. Yeah, it's done. They said no. No. Bye-bye. It's coming back. What's your student. loans total? 15,211. Is that you or is. that you guys combined? That's just me.

His parents paid off his. His parents. paid his? I think so. You're embarrassing. You're. embarrassing. You're embarrassing. You wanted to just be with a guy who's. never been able to stand up and do. anything himself. He can, but he never has. Congratulations. He busted a nut a nut. once and we have a three-year-old. That's the one thing he's provided. Well, it's a good good addition. It's a.

good addition. That's the one thing he's. ever done. So, what do you have $15,211. in student loans for? Um, I when did I. go to school? I think 2019 is when I did. online school. For what? What's your. degree? Do you have a degree? I don't. You dropped out. I dropped out and it. was for a bachelor's in accounting. 40%. of people who have student loans drop. out. So, they're fitting right in with. that statistic. Uh, yeah. I mean, this.

payment will probably kick in when when. does it when does it say? April of next. year. Okay. That's going to come quick. And your payment is probably going to be. about well with your guys' joint tax. returns. Did you file jointly? Mhm. That's going to you with this. It's good. for a lot of things, but it's going to. you with this. Uh it's probably going to. be about $175 a month. Yeah. Almost double what it was when obviously. he wasn't working.

That's going to. that is going to suck in April. Uh oh, another checking account. Another. checking account. At least this one's. positive this time, but it's gone down. dramatically. It went from $2,000 to. 305. Um I guess in the debt collection. calculations that my team did, they put. in the car loan on your collections or. on your credit even though it said it. was paid off. So, uh, we're actually. crossing that $57,000 off of your debt. from the $122,000 that I named at the.

beginning. So, that's an error on our. part. Well, we do have a lease, too. So, that might be that. I don't know. Oh, I don't think it was. that much, but What the is your. lease? 530. Mhm. 530 a month. 530 a month. Okay. Hey, another minimum payment stacking. up. What What's your car? Honda CRV. And. what's the term? 36 months. And what's. the year of the car? 2025.

So, you guys just took this out? Yeah. What is wrong with you guys? We were. trying to get out of our lease. Old car. Old car. That separately. Old car. What. are you talking about? One before. You. wanted What are you talking about? Huh? You wanted the car so you could drive to. work. Oh, yeah. What? I I told him to. wait cuz his mom has a car that isn't. used. So, it's And you could have used. your mom's car and you were like, "No, it's going to debt." Well, he can't. drive either. So, he was under the. impression that he'll have the started.

the job. Wait, wait, wait a minute. Why? Why the did you get a lease if you can't. drive? I could when I started the job. Yeah, but you just got the lease. No, I. think you were a week away from when you. could drive and then you had another. seizure. Now we have a lease of a car we can't. use. I use it sometimes. Yeah, but what. about this other car that was paid off? Yeah, it's still in our garage. Oh my. guys, guys, what is wrong with you? Why'd you add another?

We did need a third car. I think you wanted one. I We needed a. car. Why did you need a third car? One. person can drive. There's times where my. dad is watching my sister's kids and so. he's got that car over there and then my. mom goes places or she'll take the kids. somewhere and then if we need a Cool. And that's the rare opportunity where. you can just take an Uber. That adds up. fast. I did that when my parents fast. except it's a rare time where you need a. third car. It's actually once Well, no,

not a third car, but I did have to Uber. and it's like once a month. Oh, no. Once. a month to I'm sorry. Was that a $530. Uber? No. Then you. What are you talking. about? You were just trying to justify. You were just feeling spendy and you got. a Carly. I guess. this is beyond do stuff like that. I. feel like we need like I genuinely feel. like we need things like then see a.

therapist and cope. cuz this is insane. You do not need. this. If you need an extra car once a. month, you can Uber and it is much more. cost effective and it's fine. Is it as. convenient? No, but I don't give a you. guys are in debt. You live with your. parents. You can't do anything. You guys. are probably behind on retirement. Oh. yeah. Okay. You guys are behind on. retirement. So what the are you talking. about? Need another car. You you don't. even get to keep the car in the end. You'd have to buy it out. It's a lease. baked all into the monthly payment.

Ridiculous. Great. So there is a hidden debt. and. stupid. Oh, we're Door Dashing Quudoba. ATM. withdraw. Who knows where the $123 Jimmy. John's $23. Oh, these. camera. look. It's all dumb. McDonald's, Door Dash, and Wendy's. You. guys, we got a third car so that we can. get things delivered to our house. I.

have to get stuff delivered to the. office cuz I can't drive. I don't have a. car there. You can um uh pack a lot. You. Oh, I started doing that. You ginger. That's why those aren't from this month. No, this is from the most recent month. And I don't give a about what you. did two weeks before coming on the show. Everyone uses that excuse. Everyone, the. moment everyone knows they're coming on. the show, they're like, I'm going to. pack a lunch for a couple weeks. I'm. going to look so good. No, you're not. You This is what you were doing. Door. Dashing Wendy's selling money out. $675. That sounds like your weekly rent. ATM. No, no one knows where that went. $53.

Door Dashing, Panera, Las Vegas. Aviators, Las Vegas, Las Vegas, Las. Vegas, Las Vegas, Galleria, Cinnabun, Lululemon again, $325. What is wrong. with you guys? You guys are broken. You. guys are broken. You guys are broken. Box Lunch, Door Dashing, McDonald's, Door Dashing, Dairy Queen, Door Dashing, Vans, ATM withdraw, $63, ABC, Disney, Oh, Disney $256.

Door Dashing McDonald's, Door Dashing. Cafe, Door Dashing Chipotle, HTML Madras, Hulu, Cinemark's not even a good movie. theater. Door Dashing Panera. not even a good movie theater. Huh? They. had the Red Guardian helmet popcorn. bucket. Yeah. And they also have a movie. theater with the audience. They have. very very bad movie theater. That's why. the audience is that you're with and I. can't watch a movie with audience. They're they're so rowdy. Well, I. couldn't see over the seat though. They. have high seats. Yeah. She's like 5'1.

Well, I thought they were. I wish. Thought they were normal. Are you. shorter than that? Mhm. How tall are. you? I'm 5 foot. How tall are you? 5'11. You must just be slouching. We have like. the same torso. You just have a very. tiny legs. Yeah. Very curious. Zelian. out. There's your weekly rent. Door. Dashing Popeyes, Box Lunch, Door. Dashing, McDonald's, McDonald's, Anthony, Buck Lunch, Express Las Vegas, Cookies. You guys are eating out. approximately four to five times a day. Both of you combined.

That sounds accurate. It is insane. It. is insane. You should have picked a. wealthier man. McDonald's, Anthony, Box, Lunch, Express, Las Vegas, Insomnia, Cookies, Man Cave Salon, haircut. so well. Smiths, Amazon Kids, Amazon ATM. $163. Yarn House, Build-A-Bear, Auntie. Ants, Freddy's, Sabarro, Door Dashing, Cafe, Amazon,

Door Dashing, Panda Express, Door Dash, McDonald's, Antie Ants, Antie Ants, Lulu. District, Admra. First of all, I've. never seen someone that goes to this. much on Auntie Ants. And also, they're. telling me you spend more on your hair. than she does on hers. It's my daughter. She loves pretzels. I don't give a. a box of hard pretzels. I did. But when. we're out shopping at the mall, she. needs us. Go to the mall, you dumb. You. don't. You have no need to go to the. mall. You have no need to go to the. mall. It's our exercise. Mall is all. bull spending. Yeah. Walking around.

Walk inside at a house. I know. And talk about budgeting. Door. Dashing Popeyes Mitchell Garland. $102. of overdraft fees this year so far on. this checking account. That means that's. approximately. I'm going to say that's about five. overdrafts. Four to five overdrafts. Yeah. This year we're 6 months in. Actually four months in at the time of. the statement means you overdraft every. single month. At the time of the statement we were. five months in. You overdraft likely. every single month at the time of the.

statement. Whatever. You guys live in an. embarrassing life and you should be. ashamed. And I'm sure we can budget you out of. this cuz the fact is the fact is this is. all fun spending. This is like this. should be actually a pretty easy budget. You can have a cheaper rent. Should be. Yeah. All right. Your income. is $7,000. Let me get your debt minimum. monthly.

Not including your mortgage cuz there is. none. debt minimum monthly payments alone. without an asset to our name or a degree. $97355. What's your rent to them monthly? Sometimes it varies cuz Okay. What's. What's the weekly? Let's say 675 a week. 675. We at least budget for four a. month. Okay. 270. That includes. utilities and all that, right? Yeah. Mhm. Okay. Car insuranceances. Uh we pay.

160. Gas room v room drive. Maybe 50 bucks a. month. phone bill. Does parents pay it? We're. on a family plan. Child should at least. pay them. Ty find anything else you guys. and your daughter need to survive? Toothbrush, activities, blah blah blah. Give you. $200 cuz you guys live with the. grandparents. $200. Uh, obviously. daycare would be a little bit more, but. you don't need that, so you don't have. to worry about it. How does the grocery. situation work at the house? Basically,

his parents buy groceries and then they. prepare dinner. H. you. I'm going to give you a hundred. bucks just to get snacks. You guys, this. is the most thing ever. What is the. medical? What is the medical expenses, co-pays, anything? Yeah. Um, how much a. month? Say probably 300. Any gyms? That's expensive. Any gym? 26 a month. That he doesn't use. I'll keep it. Use it. Subscriptions. I'll give you I can probably fit in 50. bucks because you guys are doing.

nothing. So 50 bucks. You decide where. it goes. Pets. You have a dog. Okay. How. one's unhealthy and old. What are the. ages and health of the other two? Seven. and five. Okay. Age or health? Good. health? Both good. Yeah. Pet insurance. on either of them? No. Okay. We'll put. in 70 bucks for pet insurance. Get pet. insurance. It'll save you guys a lot of. money. Just get proper pet insurance. There's a lot of ones out there. So, just shop around. Pet food. How much on. a monthly basis? Uh, 50 bucks. You guys. pay for that or grandparents? We pay for.

it. Okay, 55. This is going to be so easy. I have a. feeling, guys. Bring in $7,000 a month. And what you need to survive is. $4,67955. You guys are going to piss me the off. So, you have an extra $2,320 left over. I'll give you 320 for fun. $32045. for fun. It's a stupid. So, $2,000 left. on a monthly basis. It's still going to. take a while, but the debt is different.

because we put in that car. You have to. figure out how to give give up the lease. when you're done. You don't need a third. car. or although she's like or sell the other. car that you have, stick with the lease. and then buy it out at the end or get a. new car. She had a head hunter reach out. to her recently for in office job. So, you might need that car. Well, that's fine. But either way, we have a. few years to figure that out. Student. loans were minimum payment until it is. paid off. Same with the chargebacks. not. freaking out about that. So the bad debt.

that we're focusing on paying off is the. 30,000 to our parents. This the credit. cards is about a,000. Student loans. we're going to let charge off we're. going to let sit in that car loan. doesn't exist. So $31,000. is what we need to focus on paying off. $2,000 a month takes 15 months. This is. the easiest world. Takes 13 months. Boom. Fully funed emergency fund. Uh. about let's call it one year and 3/4. Uh. keep me your minimum payments on the. collections. But the other ones fall. off. Minimum payments on student loans. with those kick in and figure out what.

you need with the car by the end. But. this is so easy and you guys can move on. and live your life. You're just acting. like children and I'm honestly really. disgusted and it's really disappointing. and you should be embarrassed and. disgusted like I am. What aing joke. I'm. going to give them their Hammer. financial score. But make sure you guys. come to the post show. Remember, Hammerly is free for this month. All you. have to do is submit proof of purchase. at hammerly.com and we'll reimburse you. with a digital gift card. Um, so join us. in the post show. I'm going to we're. going to call their their parents and. we're going to have a heartto-heart and.

confront that. Spending in a budget, you. guys overspend. So 0 out of 10. Debts, you have collections. 0 out of 10. Emergency fund, nothing to your name. 0. out of 10. Retirement, nothing to your. names. I didn't see retirement. I have. like $500 in my 401. Zero out of 10. Real estate. Oh, we sold that. 0 out of. 10. You guys went from what was likely. like a three to a five hammer hammer. financial score, maybe even higher, to a. literal zero cuz you guys are only going. reverse in life. And it's disgusting and. you should be ashamed. This is so. moronic. Join us in the post. show, guys. I'll see you there. Link in.

the description below. And your. financial score is zero. You had shared. with me that you're an authorized user. on your parents' credit card and that. you spend on it and then they pay it. off. Yeah. You. Why are you okay with that? Call your. mother. So, they owe you guys $30,000. No, it's more than that actually. They're exclusive members content. Click. the link in the description or pin. comment below and watch thousands of. hours of extra and uncensored content.