He’s so f*cked (I secretly brought in his wife) | Financial Audit

I am hiding a big purchase that I. recently made and I bought it right next. to her without telling her. >> Right next to her. >> Right next to her. >> The are you talking about? >> It's my money. I mean, it's our money. Sorry. Couple quick buttons and it was. purchased. Man, >> I set up a camera and she got to watch. this live. So, we're going to bring her. in. She's seen what you've talked about. so far. Be honest with me. Are you guys. only not married because of this? Is. this the almost like last standing. hurdle? Bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%.

off, but also with a free trial today at. dollarwise.com. Join the tens of. thousands of people who've changed their. lives enjoying Dollar Wise Central right. now for free. >> Hi, my name is Scott and I'm 29 years. old. I'm from San Antonio, Texas and. this is Financial Audit. >> Thanks for coming up, man. Double. sunglasses, double the power. >> You already know, man. >> Appreciate it. So, what do you do in San. Antonio for a living? >> Uh, so I am a uh I'm in the railroad. industry. So, I'm a rail uh road carman.

So, I work on trains, mechanic. >> Beautiful. How much does that pay? >> Uh, that pays uh $24.72. >> It's a little lower than I would have. thought. I'll be honest. But, you know, >> San Antonio, cheapest of the major. cities in Texas. Let's see how we're. stretching this. How many hours a week. are you putting in? What hits your. account? >> Yes, so I'm putting in uh 50 hours a. week. Um, that's with OT, of course. Uh. 40 hours I'm hitting about 4,000 a. month. >> Okay. Yeah. >> But you hit 50. So what's hitting your. account on a monthly basis? Normally.

>> on a monthly basis I'd say about 48. >> Okay. 48. Perfect. So 4800. hitting the account. I mean that would definitely certainly. be hard to live off alone. Santa, it's still a major city, but it's. one of the cheaper cities. But that is. still $57,000 a year. And that's. actually sitting around that annual. salary of about $54,000 a year, but of. course you're working 50 hours a week to. hit this overtime. Now, I am wondering. cuz I I didn't get to meet you guys.

before coming on, but I thought I saw. someone else walking around. So, are is. this a dual income household instead of. friends? >> Uh, so it is a dual income household. It's uh me and my my girlfriend. >> Your girlfriend? Oh, yes. >> So, you're not married? >> We are not married. No. >> Oh. How long have you guys been. together? >> Uh, we've been together for about 3. years. total income. So you guys put everything. down the middle. How are we doing this? Cuz you guys aren't combined on. accounts, right? >> Yes. So uh we do have one combined. account. >> We do. You're combining accounts. >> Yes. >> Well, the marriage is coming soon.

Propo. Okay. So what is the joint. account? >> So the joint account, that's pretty much. all the bills uh that come out, you. know, split down the middle. >> So it's a checking account. >> Yes, checking account. Uh we do have a. checking and a saving account. >> Joint savings. >> Joint savings with an unmarried. >> Interesting. Little risky, but okay. Cool. What does she bring in? I guess. she's too afraid to be on camera. That's. okay. Well, you guys aren't married, so. >> Yeah. Um, so she's uh I'd say roughly.

she makes 67,000 a year. So, I'm not too. sure exactly how much that. >> What does she do? Making more than you. >> Yeah, she's she's a curbside manager for. HB. >> And that makes more money. >> Yes, that. >> HB. Dude, we've had people working. there. You can you can you can work your. way up at most places. I mean, that is. straight up food, service, retail in. that in that world, the grocery store. life and out there making almost. $70,000. What hits the account from her? If we have a joint account where money. is going in and bills are being spent, you should know how much is coming in.

from her cuz it would be an important. mathematical component to this. conversation. >> So, actually, I do not know how much. >> How do you not know how much is coming. into a joint account when that is where. all the bills are paid? >> So, the joint account um we she's the. one that's mainly in charge of the. bills. So I'll. >> someone you are not married to. >> Yes, that is correct. >> You're the one here. Okay. So. what is your insight into the finances. then? >> Uh so we do have a calendar that we.

actually uh you know we have all the due. dates on. She's more the one in charge. of that. I just kind of look at it. >> When when you say she's in charge of it, do you mean she's running it? She's. what's posting there? She's what's you. know adding things to the calendar, taking things away and paying the bills? >> Yes. So you're just aware that a. calendar exists? >> Yeah, I'm just aware like, hey, you. know, the calendar is there, you know, >> but what are you aware of the financial. situation as a whole of you guys? If. we're considering you guys together, what are you even aware of? >> The due dates, man. That's pretty much. it. >> Just the due date, but you don't even. know like the overall balance that the.

minimum monthly payment for that due. date is actually going towards. And you. don't know what the balance of the. account that is paying these minimum. monthly payments are or how much is. going into those accounts. >> It's just like, hey, this is a due date. This is the amount. And it I I'm more of. like, hey, it'll it'll pay. >> So, what do you care then? >> I. >> What's your care? What's your Cuz you've. obviously just been okay with looking at. a very high level. So, you have. at least no care from what I can tell. out of the gate. Maybe that's wrong. You. certainly wouldn't be backing that up.

with never taken any action to get more. information on the accounts and. financial situation. Well, I I do I do. try to uh take account, you know. Um I I. do ask like, hey, you know, whenever. this bill is due, what's the amount? Uh. we look at the. >> Yeah. The minimum. >> The minimum. Yeah. >> But why are you doing no more than just. the high level? Why are you not trying. to learn more about the accounts? What. is actually happening? Especially if. you're letting someone that you are not. married to completely manage this for.

you. >> We just uh we don't see eye, you know, on uh on any anything. Yeah. We don't. see eye to eye when it comes to money. So, um I mean. >> what. >> we just uh. >> tell me. >> I'm the spender in the relationship. I I. don't. >> So, the spender shouldn't know what's. happening. Well, isn't that kind of the. opposite? Shouldn't the person who is. spending be the one that's super. informed on the finances so they don't. overspend and the entire relationship? So, I've been showing you how many data.

brokers sell and collect your private. information. Yeah. What? And I had to. use Aura, who was sponsoring today's. video, to put an end to it. Huh? Check. this out. Now Aura automatically is. starting to opt your information out of. these sites. And honestly, it makes me. sick that these data brokers are making. billions off your personal info without. your permission. They don't care if it. leads to spam calls, fishing scams, or. worse. We all know why this happens. Google and other apps, even our cars, vacuum up our data, and sell it. What's. the alternative? Become a hermit with no. internet. But at least now you've got.

options. Aura helps you fight back. automatically. And I mean truly. automatic. Once you set it up, Aura. starts scrubbing your info in the. background while you go on living your. life. Plus, Aura is going to give you a. ton of other features to keep you safe. and private, like fraud alerts, a VPN, identity theft insurance, and more. Try. it for free for 14 days at. aura.com/hammer. and let Aura do what our government. won't. Protect your privacy. >> I'd say to a certain extent to be. honest. Um, >> so if you're the spender, you guys don't. see eye to eye, so she disagrees with.

your spending. >> So what are these conversations like. then? So these conversations are pretty. much hey you know um. >> ex some e you know ex x bill is due um. and we. >> copy and paste response. Okay we heard. that we know what bill is due. What's. the convers if you guys disagree about. spending money? What are those. conversations? >> Those conversations are more like hey. you know um. we you know it's it's pretty harsh. >> Are there conversations or are you shut.

down? You don't listen. What would she. say the conversations are? the convers. there. There is no conversation. I do. shut down and and. >> how do you know? How do you even know. then that you guys have a disagreement. about this? You're saying we don't see I. is what you said. >> Yeah. So, she doesn't like my spending. habits uh whatsoever. >> Okay. How do you know this? If you. literally never talk about it, if you. can't tell me a conversation that's had. about it, how can you even say that? >> Uh. >> what if that's the complete opposite? >> Well, it it's not. I know she doesn't. like my spinning habits. >> Okay, then tell me what the talks around.

that are. The talks around that are, you. know, I'll just I'll go behind her back. and I'll just buy stupid things that. that uh, you know, I shouldn't be. buying. >> Go behind her back specifically. >> Yes. So, I don't tell her anything. about, you know, my spending habits and. and what I purchase. >> What if she's running the finances? Would you not see what what is the. behind the back? How does that look. like? How are we achieving that? >> So, we're achieving that. I do have my. separate uh checking account where my So.

our my paycheck actually goes into that. uh separate. >> Where does her paycheck go? >> Her paycheck goes to her own separate um. >> and then you guys put into the joint. >> Yes. And then we put into the joint for. all the bills. >> Okay. What's your guys' conversations. around each other's checking accounts. then? >> Because if you're specifically saying. you go behind her back, what does that. look like? What does that even mean in. this context? I would say just I get. paid right in in my own uh checking. account and uh. >> No, I know. I'm saying they'll go behind.

her back. Like in general, if you have. your own account, she has her own. account. What is the behind her back? >> We just not having those proper. conversations in regards to hey, you. know, asking. uh for for permission if I do want to. buy something. That's uh. >> Do you have to ask permission to buy a. tequilo? Do you have to ask permission. to buy a gusher? Do you have to ask. permission to get a bottle of water? How. How is this working? I'm trying to get. more understanding on what you mean by.

behind her back. >> Gotcha. So, I had uh the fact that I'm. not saving um or putting any money into. >> spending behind her back. Well, so are. you telling me you guys agreed on. putting a select amount of money towards. savings? >> Yes, I did. >> And then you didn't. >> And then I. >> And then you spent it. Is that what. you're alluding to? >> So, uh yes. In other words, >> you just say that. That makes so much. more sense cuz yes, that would be behind. her back if we are agreeing as a couple, as someone who intends to get married to. become fiance and get married and maybe.

pump out a few kids to go behind the. goal that we set together. What was the. Did you agree to this goal? >> Yes. So, we. >> when was this goal? >> We This goal was uh when we actually. first moved in so uh together, which was. 3 years ago, we had a an apartment. together and then we recently, you know, got a house. So the conversation was. >> rented or bought. >> Uh we bought. >> you bought a house together unmarried. >> Unmarried. Yes. >> Why? >> Uh. >> what are you guys trying to do? If you. can't literally control your spending, she runs the finances and instead of.

actually putting money towards savings. like you both agreed to 3 years ago, you then go spend it all on bull. Why. the are you guys getting a house. together when you can't even communicate. finances? That makes no sense. It's so. risky. >> I I mean I I I really love her, right? I. love the the crap out of her and I know. that's. >> a lover. You just don't actually do any. of the things you commit to. >> I I would uh I would disagree to that. cuz we do do a lot of things that we do. commit to. Um. >> not financially.

>> Not financially, but. >> uh one of the leading causes for divorce. in this country, >> it's not great to have that flaw before. even getting to the married part. >> I I disagree to be honest. Um. >> go on. What the are you talking about? So, uh, you know, I just feel that. regardless of my, uh, spending habits, I. mean, it's it's my it's my money. I. mean, it's our money. Sorry. Um, but.

>> go on. >> I just uh. >> Yeah, you did get a tough hole, buddy. Keep going. >> That dirt over your shoulder. >> I'm the baby of the family and things. just tended to work out, you know. Um, >> what? >> Yeah. >> This doesn't make any sense. You What do. you disag What? No, no, no, no. You said. you disagree. What's the argument? >> The argument is I I mean, >> baby, what the [ __ ] are you talking. about, dude? >> I mean, I I just feel like I have the. right to spend. Yeah. I mean, I may go. behind her back. >> No one's saying don't. Yeah, I may go. behind her back. Yeah, I may other.

woman, but who cares? >> What? >> I don't condone that. But um I just I. just feel that I do have the right to. spend thing, you know, on on things that. that. >> No one says you don't, but you agreed to. commit to something that was savings. You agreed to that. You didn't do that. and said you spent your own money. You. went behind your back. You broke your. word to the person you love and want to. marry. So what the [ __ ] are you talking. about? No one's saying you can't spend. money. You're specifically agreed to a. goal. You're not contributing to it. And. then you're blowing everything.

You know what? Um if you go you know. through the actual statements I I am. saving not as much as I should be saving. or committing to that goal. >> You should be saving. What was the what. was the agreed upon goal? >> The agreed upon goal was hey we would go. ahead and uh say she deposited $250 into. the account then I would also deposit it. $250 into the savings account. >> How frequently? >> Uh so we both get paid weekly, right? So. uh on a weekly basis, hey you're putting. in four 300 bucks, whatever then I would. match that. What? But that doesn't.

necessarily make sense. Especially if. you she makes more than you and your. guys's finances going into the marriage. I well into the relationship I assume. were not identical. It doesn't make. sense that whenever she decides to. contribute however much she wants that. you would be able to do the same exact. thing immediately. That that doesn't. make any sense. Um oh in my in my head. it does make sense. Uh you know like hey. I'm contributing this x amount of uh. money into the account. Um, so if I'm. doing that, you know, uh, most of the.

time, right? Um, I feel like I should be. able to spend. >> No one's saying that. Is you not. fulfilling the commitment you made. though, even if it was a weird. commitment? Cuz I'm not 100%. Be very curious what she'd say about. that. Is that what you guys agreed to if. she puts whatever dollar amount you. match it right then, right there? >> Right then and there. Most of it. That. doesn't make sense though. What were your finances going into the. relationship? >> Uh, so my finances were actually not the. greatest going into the relationship.

Um, >> yeah, >> actually I had been uh evading taxes for. 2 years. Uh, previous. >> What are you talking about? What does. that even mean? Why? I know what it. means, but why the were you doing that? >> I was just, you know what? I was like, you know what? I don't want to be paying. this. >> Nobody does. >> F that. You know, um, >> as what? What was your job? My job I. actually worked for Carvana. So while I. was doing that and. >> so commission. >> Yeah. So comm Well, not not really. commission paid. Uh it was hourly based. Um but I was just.

>> W2. You were just taking absolutely no. withholdings. >> Uh so it wasn't it was hourly based. So. I was a W2. So they were withholding um. taxes. >> What do you mean you were evading taxes? If they were withholding you just. weren't filing? >> I just wasn't Yeah, I just wasn't filing. any of the taxes. >> You may have gotten a return. Uh I I was. actually still having to pay uh. >> whenever I was filing. Um I was having. to just, you know, pay it pay the amount. that I needed to, you know, or that they. were charging me.

>> Are you saying you owed more at the end. of the tax season? Is that what you were. trying to construct in a form of a. sentence? >> Yes, in a form of a sentence. I was. trying to um. >> glad I could help you get there, but. Okay. Okay. So, your finances were not. good when you got married and now you're. not communicating anything and you. weren't sticking to a single goal and. then you guys got a mortgage together. >> I assume it was a mortgage, right? Not. cash. Yeah.

>> Not cash. >> Okay. However, we did there was a down. payment that we both um split uh uh to. be able to get the house together. But you have, as far as I know, cuz you. wouldn't be on the show without a. horrendous debt. Oh, yep. So, what the are you doing? Is this her. debt and your debt? What does. >> No. So, that's actually just my debt. Uh, >> this is just you. Okay, then. It's okay. then. I'm just talking to you then. I'm. okay with that.

>> Okay. What's her debt? >> She has no debt to be honest. Uh, she is. the one that takes care of all the. finances. Uh, she I mean, she's been. like that ever since. >> Why is she putting up with you? Why is. she getting on a mortgage with you? That's so risky of her. That makes no. sense. >> I mean, my girlfriend made me go to. counseling for all this, to be honest. >> Um, >> so that means she trusts you to make it. You went into Okay. went into counseling. to fix this. >> Yes. >> Okay. We know what comes in from your.

paycheck. What did you spend last month. from your accounts? Cuz apparently I. only have your accounts. >> Uh. If I had to guess, I'd say. 3,000 maybe. >> Hey, counseling hasn't worked. It was. $8,000. >> The are you talking about? Counseling. Counseling to figure this out. You don't. even know what's going on. >> You spent double what you brought in, you tit the You putting money down on a. down payment. How much did you put down? >> Uh, we So, it was 66 6,200. So, we split.

that in half. So, >> FHA. >> uh FHA. Yes. First-time home buyers, >> damn. Don't necessarily always like that, especially in a confusing market time. like this. You might not have an equity. position if you're forced to sell the. house. Even if you are forced to sell. the house, that percentage isn't really. getting you much if you have to pay for. commission on both ends of the seller. and buyer realtors. How did you come up. with that amount of money? How how long. did you have to prepare for that? Cuz. again, you're spending double. You're. not paying on your debt. So, it uh took.

about um a month and a half actually to. be able to come up with that down. payment. >> How'd you do that? But you're not paying. off debt. >> I've I was actually budgeting then. Um. >> and then you gave up. You got the house. You. >> got the house and I I honestly, man, I I. just got comfortable to be honest with. you. I. after we got the house, I was like, you. know what? It'll all work itself out. You know, um I recently got a raise. I. was like, you know what? If I make it. more, maybe I can spend more. You know, >> listen, if she demands you go to.

counseling, what does that even mean? Counseling for what? Specifically for. the finances. >> For the finances. >> She demanded that. >> Yes. And honestly, >> when uh. >> she she must not trust you if she's. making you go to literal financial. counseling, therapy. Little odd, I'll be honest. Maybe it's. to fix the actions and. >> help spending that you have, I'm. assuming. So it was more of just me. hiding my purchases from her. That's. what. >> she found out.

>> Yeah. So she found out. >> How did she find out? >> So she found out uh with I guess by me. just uh you know she would um see all. the Amazon boxes that were coming in. >> Oh for that's not hiding very well. I'll. be honest. >> And then you know just uh just crazy. purchases man. You know me just. >> Is there anything she doesn't know about. today? There's on I mean I'm I'm glad. that she's not here today uh listening. to this cuz she'd be extremely mad. But. I am hiding a big purchase that I. recently made which was a I'd be honest.

a TV. So. >> how do you buy a TV without someone. knowing it's going to show up? >> So I was literally on my phone on. Afterpay and I was like you know what I. want a bigger TV. Why not? And I bought. it right next to her without telling. her. >> Right next to her. right next to her. >> The are you talking about, dude? >> I mean, I just, you know, couple quick. buttons and it was purchased. Man, >> why would you not want to communicate. that with her? That's so weird.

>> I. >> How much was this? >> This was. >> Is that what this is? >> Yes, that should be the afterpay one. So, it was. >> It was not even like the most expensive. thing in the world, but instead of. 22.08% interest, >> I was like, you know what? I don't want. to buy it right then, you know, at just. flat out purchase it, you know, cuz. obviously she would have found out a lot. sooner. And I was like, you know what? I'm just going to use Afterpay, finance. it. >> She's going to find out from watching. this episode. >> What was your plan to communicate this?

Plus, it shows up at the house. What are. you going to do when she asks how'd you. pay for this? >> So, I mean, I'm just going to flat out. tell her just like, "Hey, I. >> Why didn't you tell her then?". >> Uh, cuz I knew she would pretty much not. allow me to get that TV. >> She literally has sent you to. counseling. How recently? It sounds. pretty recent. pretty recent. I'd say. about two weeks ago. >> Okay. If she's doing that and then you. immediately backstab with this, this is like someone who got caught. cheating, got sent to therapy to deal. with it, and then cheats after they go.

to therapy. >> What the are you doing, man? >> Also, she doesn't know that I I paid for. uh mount installation as well. So, they're actually coming out to deliver. the TV and mount it on the wall for me. >> And your plan exactly when they showed. up was, >> "Hey, I got a new TV.". >> Hey, I got a TV. Hey, okay. So, yeah, that that was just my plan. And then like, hey, you know, got a TV. It's already mounted. I'm not able to.

return it. So, you know, just go with. the flow, man. >> All right. Well, I mean, I'll be honest. A little self-confession on my part. We went behind your back a little bit. We went behind your back a little bit. and we've never done it, but listen, the. producers knew that you were. specifically hiding things from them and. the onboarding conversation we had. So, I set up a camera. and she got to watch this live. And. unfortunately, we are going to turn this.

into a couple's order for you. Uh, but. the fact is, I mean, the confrontation. is not happening when the TV shows up. The confrontation is happening now. because this is a show where couples. talk about it. And even though it seemed. like she didn't want to be on camera, oh, she's willing to be on camera. because she knows that you'reing. This. is why she sent you to therapy. This is. why she wanted you to come on the show, man. She worked with us to actually get. this set up so that you guys have a. realing conversation for the first time.

in your damn lives cuz you just keep. hiding things. So, we're going to bring. her in. She's seen what you've talked. about so far. and buddy. Um, let's bring. in Miss Kelly. Ladies and gentlemen, of Financial. Audit, this is one of the most exciting. moments in this channel's history. You. know, I've been working on building all. these educational tools, our budgeting. app, all this crazy stuff over this past. year, cuz that is where my passion is. We finally did it. And now we put it all. into one program called Dollar Wise.

Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? Just for the next 2 weeks, you can try. it for free. If you are struggling or. you want to learn more or you want to. change your life in any way whatsoever,

like literal tens of thousands of people. have done with our programs, go to. dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. dollar.com. Let's. go. 28 years old from San Antonio, Texas. future fiance, future potential wife of. Scott. So, Scott, get your ass over.

there. I mean, it's a critical piece of a. conversation. to be able to communicate what is. happening financially with your partner. if you guys want to be together forever. And I'm glad you came to us with this. I'm glad you came to us with this. And. honestly, pretty damn good idea that you. and the producer said. I'll be honest.

I mean, what did you think of what you. heard? Cuz this guy literally just. purchased a brand new TV. I assume you. heard that, correct? >> No. Yeah, I was in the other. >> Okay. >> So, I um. >> he was already being shady. I found like. bags from Boot Barn in the closet with. receipts. Um actually, I think the shirt. that he's wearing, >> he's hiding it. >> Yes. in the closet. >> The is wrong with you? This is This is. like an addiction. So, and you had him. apply for the show, right?

>> Exactly. >> Mhm. >> My little game she played. Okay. Respect. >> Mhm. >> It was over probably like $100 in just. shirts from Boot Barn. He calls them. perfect. >> What's happening in your mind from your. viewing of this throughout your. relationship? When did you first start. seeing this? How has it looked? What do. you think? You called him a manchild in. the application. Oh, [ __ ] gay, buddy. Yeah, yeah, I'd be cop laughing, too.

>> Definitely. >> That's why Okay, I want to go back to. the question I just asked. But. why the you getting on a mortgage with. this guy that has consistently lied and. you keep finding out and then you just. learned about a new purchase literally. right now cuz he cannot stop that. you. requested to go on to financial audit of. which you called him a manchild in the. application of whom you also sent to. counseling. Why are you getting on a. mortgage with him unmarried?

>> So getting or going towards the end of. our apartment lease um everything was. getting better. Like I told him, hey, you need to watch your spending and he. did for a little while. >> He may hide better. >> He may have hit it better. Honestly, >> you don't have access to a separate. account, right? So, I only have access. to our joint accounts. We have I have my. checking and he has his his checking. >> Um, but. >> you tell me, be honest. Right [ __ ]. now, in the couple months that you were. doing better, how much extra precaution. was put aside for hidden purchases?

>> I would say at the very least, >> this is it. This is [ __ ] now. I don't. want [ __ ] Noit. >> Half of my check. >> Half of the pack went to bullit. >> Yes. So at at the time uh we were only. paying what was it 500 or. >> so in the apartment I was paying more. because I make more. Um. >> yeah fair enough. >> And so he was only paying. >> you just said half of his paycheck went. to bull even though you thought he was. getting better. Insta reaction. >> Yeah. So I think.

>> I just don't know what to believe. anymore. I don't This is why we went to. counseling because I'm like hey yes it's. couple counseling. >> This is couples counseling. >> Couples counseling. >> Yeah. He immediately leaves the session, sits next to you, and orders the TV on a. firm with 23% interest. Not a firm, whatever. After pay, one of those. >> How much? >> 22.08. >> without your knowledge. He was literally. only going to tell you when it showed up. at the house, by the way. >> Amazing. Yeah, >> sounds right. >> To be can't hide that like a shoe box.

>> I mean, to be fair, uh, my. >> to be fair, what? >> My credit limit did increase. uh via. Afterpay. So I did, you know, that's why. I extended. >> To be fair, her [ __ ] was tight. What if. he said that when it came to cheating? That does that is that how that works? No. >> To be fair, her tits were big. Like I'm. What? This excuse is a cheat. >> I'm using that analogy because this is. basically like financial. >> financial cheating. You went behind your. back after agreeing and going to.

counseling and all these conversations. that she [ __ ] applied on the show for. what is very clear reasons. How? >> There's no there's no other explanation. But. I mean, I'm still glad I made that. purchase, man. >> For what? >> I mean, it's for I mean, >> we did not need a new TV. We did not We. had what? A 52 55. >> A 55 in. >> A 55 in TV. We just got the house like. May 6th. We did not need a new TV.

>> Did you just hear what he said? He has no regret. He literally went. behind your back and he has no regret. Like I don't even know what to do with. that cuz that's not denial or pushing. back. That's not. fighting me on something. That is just a. complete. I don't give a [ __ ]. >> Oh, I did wrong. >> Yeah. He's not even saying he did wrong. I mean,

>> what are your thoughts on this dude? Talk to him, man. He's here. He's here. now. Listen, this is the conversation. that you probably should have had. He. was going to wait for the TV to show up. for it. Now is your time. >> So then the TV shows up and then what? >> I mean, it's already installed. So it's. like I'm not going to return it. You. know, that's. >> No, we are returning it. We don't need. that TV. >> I mean, we uh. >> we already have two 55 in TVs. >> and now we have a 75 in TV. So, >> but for like you But for what? >> For sports. NFL. I mean. >> NFL your team doesn't even win. Ah,

>> that's that's not fair. Um, but I just I wanted a bigger TV so I. can see the sports fights, pay-per-views, all that great stuff. I. mean, you know that. >> So, you're going to spend more money to. watch the fights. >> Sure. >> After we've already discussed that we're. not going to be spending extra money. >> I mean, it's not like it's a two or. $3,000 TV, you know? It's. >> It doesn't matter. That could have gone. towards another debt. That could have. gone towards literally anything else.

>> Well, now it's not. So, what the kind of response is that, dick? Is this how he usually acts? There's no. personal responsibility. Is he a little. nervous cuz he's on camera? I'm. >> He usually just like laughs once he. realizes I'm getting mad. He like does. his little grin that he has right now. and just laughs. >> I I don't know what you saw, what you. heard cuz I don't know how that setup. was over there. But did you hear the. part where he talked about the literal. fact was like, "Okay, so what are your. guys' conversations on this?" Oh, uh-uh.

Mhm. So, he doesn't even know what is said in. the conversations, >> which sounds right because we argue. about him not listening a lot. >> [ __ ] kidding me. Okay. So, then you. tell me these conversations around. finances. What actually happens? What do. they look like in detail? >> Um, so we do have the calendar that I. set up. Um, it has like the account. number, uh, when it's due and how much. is due. Um, and then about a week and a. half before it's due, I'm like, "Hey,

you need to put this much into the. account. I'm going to put this much. because this payment is due." Um, he. kind of just puts money in account, looks away, that's it. Um, I could. probably scam him by telling him that. more is due than necessary, honestly. Um, because he doesn't know how much. anything is. >> How do we deal with someone who won't. listen? if he has no take away from any. financial conversations, he couldn't. bring up one point that you guys ever. even talked about other than you guys. have a disagreement about spending, which I think is an understatement now. that we've kind of learned what is.

actually happening. But okay, so how do. you even deal with that or what have you. been doing to try to. mend this? What I don't even know. >> So I saw the um the boot barn bag, right? So I was like he's obviously. still spending money. He doesn't take. care of his things. Um, for example, like his flashlights at. work, he loses one. He's like, "Oh, I. could just order anyone." So, he's just. spending unnecessary money. So, it's. making me like anxious because I have to.

have a plan with we need to have this. much money by this time. So, um, I lost. where I was going. >> Be real. >> Be honest with me. >> 100%. >> Are you guys only not married because of. this? Is this the almost like last. standing hurdle? >> Well, he hasn't asked first of all, but. honestly, I don't think I could say yes. knowing that he's like this. >> She wouldn't say yes if you proposed, >> which is that unfair? I honestly would.

say no. One of the leading causes of. divorce, your finances, from the sounds. of it, not that he would actually even. know, sounds like they're okay, right? >> Okay. >> First of all, interesting pick of a. person dodging taxes for two years when. you guys first met, but okay. She would literally say no if you. propose. So what are you doing to fix. that? Buying a 75 in TV for sports. >> I mean it's it's not the greatest idea, right? Um I do eventually want to ask.

and be able to marry um her. >> What's even his team? >> The Raiders. >> I knew he. >> Okay. >> He even has it tattooed on him. >> I do actually. [Music]. Mind you, I got that years ago. I didn't. hide that tattoo or that purchase from. her. >> Would have. would have. So, she's not going to marry. you. >> Do you even give a.

>> I do. I do actually. You haven't. proposed. So, >> it's it's hurtful, you know. Uh I I do. want to try to um be a better person, you know, and and actually work on these. finances and uh take away these bad. spending habits, you know, and it's and. honestly, it's more of like for the. thrill of it. >> Does not align with the attitude you. have had so far and the things you've. been saying. You don't even regret the. TV purchase and you say it's foring. sports. You put it on a highinterest. card, you hit an Intel delivery and I.

can't tell if delivery has happened or. not. It doesn't even matter at this. point. But it's just like. that does not align with the sentiment. you've had. Like I Okay, maybe when you think about. marriage, all of a sudden you're like, "Oh, a little mushy. Yay. Yes, that's. what I want." But the actions you're. leading outside of this room are not. leading to that end result. They are not achieving that marriage. that you want to. She's not going to She's not going to.

[ __ ] tie the knot with you. Why would. she? Why would she? Why would anyone with. your history and not being able to. change? You're going to couples therapy. and you're not even changing. In fact, you've done something even worse again. So, couples therapy, I want to get into. these finances here in a second, but the. last question. Okay. Obviously, you brought the. couple's therapy in as a. attempt to fix as you've been finding. this hidden spending, hidden purchases, all this stuff throughout the years.

What have the attempts looked like to. try to fix this? >> Um, for the most part I Well, I thought. he was not spending, but it looks like. he was just hiding it better. Um, so I. guess there haven't really been any. attempts other than me trying to take. him to couple's counseling. >> I want you to be able to be a little. candid real quick. Um, because. you know he was candid when he didn't. know you're listening and you'll know. he's there and you know he can watch. this back. But at least right now, I. want you to be able to be candid. Can we.

put some uh headphones on him? And I. want to ask you a couple more intimate. questions into this relationship. without the fear of him immediately. hearing it now. Perfect. Scott. Scott, can you hear me? Music playing. Scott, you have a mic, don't you? That's. what Kelly told me. Scott, your PV is so. tiny, right? He's ning and said yes. So,

all right, Miss Kelly, in as much detail. as possible, how this hidden spending. affects your relationship. >> on that deep on the deepest levels. >> So, I don't trust him. I. um especially now that knowing he was. sitting next to me buying the. >> Make sure that is over his [ __ ] lobe. the [ __ ] is wrong with this guy? >> So, just knowing that he was um buying.

it right next to me like that's insane. >> Yeah. Like I've never I know that. >> texting. Yeah. >> And I know if I wanted to go through his. phone, I definitely could. Um but I mean. I don't feel the need to. And now I'm. like now I feel like I should. >> Should we? >> But I guess this time. >> we should. >> I guess NFL season last year he was also. hiding that he was sports betting. >> Oh no. >> Yeah. No. >> And his. >> Oh, me. >> Yeah. His reasoning was, "Well, I'm I'm.

winning more than I'm spending, and it's. like, and let's see if that's even. true.". >> Yeah. Um, so, and you're betting on a I. mean, I don't know how it works, but. you're betting on a team that never wins. anyway. So, I don't know. But it's just. it's causing me to not trust him. And I. love him. I do. I feel like if we could. get past this, um, we would have a. strong future together. But right now, I. just that spending is just crazy. >> Now, what made you suspicious of the. spending in the first place?

>> I think mainly finding that Boot Barn. bag. Um, and then the different Amazon. packages. Like with me, I'm very um, hey, I'm going to get this. What do you. think about that? Or I found a I found. it at a better price. What do you think. about that? And him, it's kind of like. he just gets it delivered. He's like, oh, with his little smirk, oh, I I. bought this for work or whatever. This. is cute. >> Yes. Oh, man. Yes. >> I don't even know what the how to even. deal with something like that. >> Are there other things you think is. hiding. >> just based on this man? Based on this.

history and just the lack of trust. >> Um I I don't I couldn't tell you. If he. is, he's hiding it very well. >> You haven't had a suspicion or fear? >> Mm- No, just. >> no fear of it. >> I mean, as far as spending, I think that. >> So, you think this is strictly down to. the spending? >> Yeah. Okay. What makes you so confident on. that fact? >> I think because of like I wanted to go. on to his phone, I could. Um I don't I. know I wouldn't find anything. Um.

I I would say it's strictly financially. >> about hiding very well. >> That that could be true. I mean, I would. hope not, but that could be true. >> And then you got a house with him. >> Yes. >> What were your reservations on getting. on a mortgage together? >> I would say that he wouldn't have the. payment in time. Um, >> have you guys made a payment yet? This. sounds pretty new. >> Yeah, we just made our first mortgage. payment. >> Did he pay in? >> Yes. Yes. But then that's when it came. down to the calendar where I was like, "Hey, like our mortgage is due uh next. week." And he's like, "Oh, already." And.

I'm like, >> "Yeah, like it's on a calendar. It's on. a calendar." And it's. >> And he gave it quick. >> Yes. >> Okay. It was in the needs like the hard. reminders. >> Yes. >> Okay. >> And that's what I'm saying. It's like a. child. Like I'm like, "Okay, our bills. are due. This is how much. >> All right, let's bring him back into the. conversation. You can unmute it, Wes. Scott, in your mind, do you feel like she has. to treat you like a child?

>> Not necessarily. Um, I mean, I don't. think I'm a child. Um, >> bring the mic to your face would be. number one. Child. >> No, I don't think I'm a child. And. >> you don't feel like she has to treat you. like a child? >> I don't feel that way. >> Does she feel like she has to treat you. as a child? No. Why? >> Because a I'm not a child and I mean I'm. a grown ass man, you know. >> Is he? >> He's over the age of 18, which makes him. an adult.

>> I mean, I. >> She says she has to treat you like a. child. She doesn't make a mortgage. payment. >> I mean, at the end of the day, the bills. are getting paid, are they not? because. she had to treat you like a child to get. you to do it. It was not on your own. It. was via no personal responsibility of. your own. >> I mean, it is my money that's going in. there. I mean, sorry. Our money. >> This should be interesting. Our money. Our money. >> Well, you guys aren't married, so I I'm. I'm okay with that still being separate.

But even still, when you guys do get. married, I'm not confident he's going to. view it as y'all's money. I think he's. going to view it as his money. >> And you're going to get married to that. Hey, >> why? Why? Clearly, and I'm okay with the. hers mind right now. You guys are not. married. You know, it's the mortgage is. weird. The combined account gets a bit. weird. You guys have over complicated. this before moving to the next step. Absolutely. But either way, clearly I. don't think that mindset's going to. change. Why do you view this as like.

aing hoarding? I work hard for it, man. You know, and what's like why am I not. able to splurge just a little bit? I don't think it's about splurging a. little bit, but I think that there's a. lot of times where we could maybe um uh. compromise. We could compromise. Like, you didn't need a $500 TV. Maybe we. could have done like 300 or you didn't. need a 72-in TV. Maybe we could have. done I don't know what's next. 65, whatever. >> How do you compromise to someone who.

can't have the conversation, who just. giggles it all off? I mean, you ended up. getting a new phone, so. >> Okay, but we talked about it. I I got. your your input, right? And I'm not. saying that you need my permission, but. it would have been nice to hear, hey, what do you think about this instead of. just doing it? And my phone had been. dying for like months before I even. asked you, hey, what do you think? >> But I figured, hey, you know, you you. get a new phone. Why can't I get a new. TV? >> How much debt does she have outside of. the mortgage? >> I have my car and my and and obviously.

the mortgage. >> interest of the car. Uh, was it six 6%. >> How much debt do you have outside of the. mortgage? >> About 90k. >> Well, yeah. I think you guys are in. slightly different positions. I'm going to go 3 2 1 go. On go. I want. you guys at the exact same time to give. me what you think your household. financial score is. Okay? 0 to 10. Zero. being the worst, 10 being the best. I. want to see where you guys think you. are.

>> 3 2 1 go. >> Three. Now, what do you think his score is. alone? Not with you. >> Three. >> Okay. Optimistic. Interesting. All. right. If you want your financial score, take the assessment. It is free at. caleb.com or click the link below. And. if you don't want to be like a guest who. shows up on this show, make sure you. download our dollar-wise budgeting app. Take that free trial and sign up for the. annual version if you want to save a lot. of money, but also get our budget. friendly cookbook signed by me mailed. directly to you. It's the only way to.

receive one. And you can join dollar. wise central if you also want to combine. all of our education products together. which are incredible for an 80%. discount. dollar.com. Let's get into these documents. Okay. So. the TV. even know about what is this? What a. firm or what again? >> Uh after. >> okay afterpay. Great. It's an. interesting time for business. tariffs. or trade policies are bouncing around. like payday loan interest rates. Supply.

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Thanks to Netswuite for sponsoring this. episode. Let's get back to it. Well, it's about essentially right now. $59753. is what I'm going to say. 22.08% interest rate. If you walked into. that TV and there was a 22.08% 08% fee. for buying it, would you? >> Well, now that you say it out loud, probably not. But. >> exactly. >> You know, >> you know what? No. You know what? >> I just I wanted a bigger TV just to.

watch sports. >> I think we understood that. >> No, that doesn't mean you lie. You would. die on the hill. You would go behind. your back again. >> at a 22.08% interest rate. That's what. he's saying. He would die on that hill. Did you hear that? M. >> he's dying on thating hill. >> Yeah, I wouldn't the thoughts cuz what. the [ __ ]. >> What the [ __ ] It's just he. >> What are you going to do with that? What. do you do with that? >> I don't think he's ever seen like. consequences to his actions. That's why. he's just like, "Oh yeah, like.

everything will work out.". >> He also failed to tell her something. else. What else? Cuz I don't know it. either. What the have else have you not. said? >> I'm trying to think. There's. >> the else have you not said you tit. >> I mean there's probably other multiple. things but. >> what the. what the did you not tell her? I don't. know it buddy. I don't know it. I'm not. you. They're just telling me that. there's something else you failed. You.

failed to even tell her. Like it's absolutely insane. I mean the. minimum payment on this is $56.28. And again the interest charge is huge. But what did you fail to tell her? What. did you fail? >> So I now now that I I guess I'm I'm. remembering uh I failed to tell her that. how much money we spent on the. housewarming party which was the whole. reason why I wanted to get that TV. So. >> what Oh yeah, you laugh about it. That's. that's what we're laughing about, guy.

>> So yeah, she doesn't know that we spent. roughly around $800 for the housewarming. party. >> What the [ __ ]. >> That was including beer, food, the entertainment. >> Originally he wanted to cater it and I. said no. >> Cater it. Okay. >> Some barbecue. >> Yeah. Yeah. Make it yourself, dude. I thought you were a big man. Isn't that. what you said? >> I'm just learning how. >> I'm a big boy. And you don't even know. how to grill it. 29. >> I mean, I didn't grow up without a dad. So, >> Huh? >> I didn't grow up with my dad, so I I. wasn't taught how to.

>> So, you should be the one cooking on a. grill then. Younger. >> I should have. >> Congratulations. You had the extra. blessing of needing to cook on the grill. at a younger age. >> Better late than never. >> That's what I'm like. He has. >> No, the never is. He's never coming. back. >> He just doesn't see. He's like, "Oh, yeah. I spent $500 on this. I spent $800. on that." And it's like, "At what point. were you going to say something?". >> Well, here's the reality. You guys. should be able to afford that combined. household income. But the fact is, how. much did you think was spent on this? >> Like two 200 max. >> Now, why did we have to hide this?

Because that's even the thing. Again, this is not it's not an insignificant. amount of money. You guys can afford it. It could have been in a budget and I. would have allowed this. But it's the. it's the action what you did. Mhm. >> You hid what was spent on it. Why? Why? It's the endless action of the hiding. Why? >> I think that he's just easily influenced. by his friends. He his friends. >> That's what your friends say to do. >> Who can't grill? >> They said go ahead and get a Blackstone. griddle. And I wanted the Blackstoneone.

griddle. But unfortunately, >> included in the housewarming party is. you bought a griddle. >> So, we bought a griddle. So that way we. were we were able to go ahead and. barbecue. >> instead of catering. >> Instead of catering. >> Okay. So in reality, and I'm not. Blackston, but I do like them. Basically. just grilled. and like a cast iron pan on your stove. You didn't even get any uh fire burn on. there or any charcoal taste.

>> I mean, you just floned. I love a FL. stone. >> It's not just that though. It's like he. he'll be at work and he's like, "Uh, John Smith walked in with these new. boots, now I want these new boots." Or, "So and so came in with a pearly, now I. want a pearly." Um, >> I. >> so and so got an Ariat wallet. I want an. Ariat wallet. >> Dude, you're cons you're soing consumer. cultured. You're so consumer cultured. You just have to buddy individual. therapy on potential. addictive tendencies and cope spending.

around that consumer culture spending. might be very important for you. If you. have your inability to control it and. it's okay to get excited about things. here and there, it's okay to get uh. passionate about things. Maybe getting. deep diving into the Blackstone and you. know, maybe I would support that. Maybe. we can fit it in the budget. thing is if. you just see something see something see. something that someone else is doing. you're just hyper excited about it. constantly and you have to get it no. matter what and you'll hide behind your. back that means you're in the world of. some kind of addiction similar to. gambling some kind of addiction is. similar to some kind of addiction.

similar to sex you have this addiction. that you have to hide from someone else. in order to fulfill and that might. require some individual therapy cuz. clearly that is not just some oneoff. thing would you agree. >> uh-huh you literally had to hide behind. her back that the housewarming party. cost $800 when maybe if you guys talked. about it, she would have supported it. >> I mean, I guess my push back on that. would be if I did talk to her about it, then we wouldn't be able to get.

everything that we. >> we. >> So, if you don't 100% win, you'll just. go behind her back in order to achieve. it. >> So, no communication. She came to you. and you agreed on the phone, even though. she's in a better financial situation. than you and you guys are not married, but she came to you for input. You guys. agreed and then she did it. Would you. have done it if he did not agree? >> Probably not. >> So what are you on this other side with? Okay, doesn't matter what she says. I'm. going to do whatever the I want. >> I know that I got to learn from it. And.

>> oh, what a bullit answer. >> I mean, that's disgusting. >> I just. uh Yeah. I mean, I guess if going to. therapy helps, why not, you know? >> Has he ever borrowed from you? >> Uh, no. Oh, not that I know of. >> Well, they're telling me he bought a UFC. fight for the housewarming on accident. on Oh, on your credit card and now you. owe the money. >> How much was it? >> It's about $90. And actually,

>> which again, that's not. >> it's not it's not nothing, but it's also. something if you guys communicated about. it would have probably been fine. >> No, because I don't have a balance on my. Amazon. Well, you probably pay it off. without. >> I mean I I mean to be fair, right, I. thought that it was my I thought it was. my uh Amazon account that it was. >> Yeah, but once you found out, why the. would you not communicate it? >> She actually saw it right then and there. as soon while I was purchasing it. >> So, >> huh? >> No, I didn't.

>> Oh, I I I thought that you didn't just. went along with it, you know. >> Like confirm or anything? >> Okay. Okay. I guess not. Yeah, I didn't I. didn't. >> What the [ __ ] is happening, guys? >> And that was actually three pay-per-view. fights that I bought that that night of. the uh. >> what the [ __ ]. >> housewarming party. >> What a what a catch. Okay, let's talk about whatever this is. Okay, there's a Honda. Okay, the substantial minimum. What is. this car? I assume this is your car. because these are only your statements,

right? >> Yeah, these are my statements. >> Okay, what is this car? >> It's a Honda Civic hybrid sport touring. >> year 2025. Did you need this much of a car? >> I did not. But I guess my reasoning my. reasoning behind it was the car that I. had before uh was under uh a co-signer, right? So, I just wanted to go ahead and. get them out out of it by. >> the car you had, but why didn't you just. refinance that loan? How much was left. on that loan? >> Uh it's about 5 years still. That that.

previous car was. >> balance. You tit. >> about 27,000. >> Okay. So you borderline doubled it and. you use that as the justification. The. oh I want to get them off to cosign. That's no that'sing stupid. >> I guess my push back on that right would. be I just didn't want you know. So. >> well now you have a $76040 minimum. payment. >> It's still a hybrid though. >> You have to work 50 hours a week and. even when you work 50 hours a week buddy. even when you It's still a hybrid.

though. Who gives a man? I drive an. electric car and I'm not jerking it off. Some would say I am, but And that's the. 16% of your income working 50 hours a. week. 50 hours a week. 16% of your. income goes to this car. >> Tremendous. >> I was able to get the co- center off and. >> Well, yes. I assume you traded this in, right? >> Yes. And I was upside down about 8. grand. That's what was tacked on for. this one. >> So, what was So, what was even the point.

at that point then? cuz now you must be. dramatically underwater on this. >> I'm not too sure. I haven't uh you know. seen exactly how much the how much the. vehicle is worth uh recently. But I do. have about 18,000 mi on it. >> Okay, we're figuring out the value of. the car. >> I understand wanting to get a cosigner. off. I do understand that. But again, there were smarter options and you're So. did you not need a co-signer for this? >> I did actually. She's my co-signer. >> Okay, great. Who was the Who's the. co-signer of the original one?

>> Uh my one of my good uh buddies. So he. wanted to get a truck for his dad whose. uh vehicle truck. Um. >> why' you cosign for this? Why'd you. cosign for this? Why are you supporting. his behavior? >> Yeah. Um I I don't have an answer for. you. >> His neverending behavior. Why are you. supporting it? >> So originally he wanted to try and get a. truck. I don't even know what kind of a. V8 truck. Some [ __ ] I don't know. Port. F-150. >> Great. So you can pick up your weekly.

groceries. >> Actually move furniture around. But. yeah, that too. >> Yeah. How how often? On twice a year. Help friends move. >> Yeah. Well, I guess his reasoning was. because we were going to move out of the. apartment. We don't have to spend. >> So I have to literally go tens of. thousands of dollars into debt into a. huge depreciating asset to move out once. instead of going to Home Depot and. renting a truck. What the is wrong? What. kind of logic is that? Now, of course, what do you think it's worth? Cuz it's. you owe $44,521.

What do you think it's worth? I got the. value. >> Believe it's worth about 24. >> 27. But that's still insane, buddy. That's still ridiculous. It's only worth. the last car you owed on it. >> Yeah. I guess working for Carvana didn't. help, you know, my insights on. So, >> sake, never go to anyone anyway. regardless. Everything's just overpriced. there and they won'ting. come down on any price. There's no. negotiating. It's all. >> Mhm. >> It's a horrible place. >> I don't know if it matters, but it is.

fully loaded. So, >> it doesn't. [ __ ] Kirby, dude. I don't I don't. give a. >> So, I had like a semi meltdown when he. got this car because. >> you cosigned for it, though. >> Yes. Afterwards, because I was like, if. you're going to pay it, do it. Fine, whatever. Um, but I think the payment. went up by like $150, the monthly. payment. So it was already writing in an. unaffordable payment. >> It was uh so the Corolla which was a. 2023 that one the payment was 54.

What is with you man? This is insane. This term must be long. 76 payments. left. Yeah. Kill me now. >> [ __ ] sake. >> I have to ask. I've asked this before and it could be a. wakeup call to your significant other. What percentage of you, and I know it's. not 100 because you're still here, but. what percentage of you from zero to 100. is considering just walking the away. because of everything that is happening.

still? >> I'd say about 10. >> Okay. >> Where a part of me is like, uh-huh. Yeah. >> Okay. So, this is really isn't influencing you. very much. >> I think because I know he can hustle and. everything will get paid, but it's just. the stress that leads up to. >> What do you mean though? Like his debt. is 90,000 bad. >> What? What? How do you even know? How. can you say you know that? Where is that. evidence? I don't have it. >> Yeah, I guess as far as like the monthly. payments. I know that.

>> Just Yeah, but that doesn't matter. It. just adds more to the overall debt. It. hides things. I I I don't know. >> I mean, to be fair, I've never been late. on a payment that we've had together. I've always been able to come up with. the uh. the money for it before the due date. I. could have swore I saw in these notes. somewhere that you had collections. though. >> Those were previous to us. Um. >> So, what do you think the word never. means? >> Okay. Since we've been together, this.

guy's a I don't even believe that. Honestly, you're not a reliable narrator. at all. Not even close. Wish. >> I had a narrator voice. That'd be pretty. cool. >> Okay. What's the interest rate on this. car guy? Uh the interest rate on it, I. believe it's uh somewhere within the. eight or 9%. >> Okay. It's not good. You're not beating. the market with this, especially with. you taking the account, the depreciation. on the asset.

>> Well, hope my intentions were hopefully. being able to fully, you know, refine. refinance it under just my name um with. the lower. >> Look at what you have $90,000 of bad. debt. Your debt to income's insane. What. refinancing are you doing? It's not like. rates are good right now regardless. So, what the [ __ ] are you talking about? >> My credit score has gone a little high. >> Plan. Yeah. What's your credit score, guy? >> 635, which is fair. I'm not saying it's. good or great. >> Yeah. You're not going to get a better. interest rate. >> Credit Karma says otherwise. >> Is it a guarantee rate or they'll pay.

you? Is it one of those or they're just. selling you to apply to a credit? >> So, >> exactly. Cough. So, for that car, um, Toyota. was supposed to get was supposed to get. that payment from Honda. Um, but they. didn't. So, he had to make like a double. payment. >> Oh, for sake. >> So, I had to lend him uh that 500. >> You had to lend him money. >> Yes. >> That was only once, though. It's not. like it was. >> Come on. Is that not embarrassing? No, it's. >> It was that 520 like you just spent on.

that TV. >> Call yourself a man. I mean, that was just. >> You're a child. You're a boy. >> I don't think so. Well, >> and what evidence do you have to provide. otherwise? >> You're able to get a house mortgage. together, which you provided 50% of, it. was a couple thousand. When it comes to. getting into a house, that is pretty. damn insignificant. >> Couple thousand within, you know, a. month and a half. I think.

>> couple thousand dollar of which in order. to replicate the spending you still. wanted to do you just put on credit. instead. So again you really didn't do anything. to get there you just deferred where. that money was spent and put. Shut the up. I have your spending. You. spent double last month and he made you. Yeah. What do you think about that? I. forgot about that part. Yeah. >> Spent eight brought in 46 48. >> I thought it'd be a lot lower than that. >> Well, I'm sure you did. the guy that. never looks at his accounts and is. unwilling to communicate with his future.

wife about what is happening in the. accounts. Yeah, I bet you would think. that. >> Great. The day after you moved into your. house, you got scammed for what? >> That was the water softener, I believe. So, we were pretty much moving. >> He'll just get sold on anything. He'll. just buy anything. What? What? What did. you do? What did you spend? What. happened? >> So, uh the day of the move in, we're. moving, right? Uh we're helping the. movers. It's hot. was earlier this. summer and uh just some guy in a.

freaking um what do you call those? Uh. Segue little thingy was just like, "Hey, you know, like. >> usually when people show up with one of. those, I shoot them. >> You let them sell you.". >> So he was just like, "Hey man, you know, the the the water here in San Antonio or. in Texas in general, it's it's hard. You. know, it's it's it's uh hard water. So, you know, if you're interested in a. water softener, I can throw in a garage. opener. I can throw in blinds for the. house, which I don't know if you're. aware, they do not come with uh new. builds nowadays. So, I was like, you.

know what? We can knock all three of. those out, you know, in the day we move. in. You know, >> what are you going to do when a solar. salesman's shows up? Cuz they always. show. >> No, they came. Well, okay. And they turn. them down. >> No. So, I'm watching him from my room on. the ring camera and homeboy is out. there. >> Homeboy is out there and they're like, "We'll pay off your water softener. We'll do this. Don't do that. >> And I'm like, "No." Texting him. Nope. Don't do it. Don't do it. >> When did he pull up in a Lime scooter? >> I think they had like a little droid.

thingy. >> Actually, he had one of those uh. hoverboards. Just throwing that, you know, just. throwing that out there. It was a. hoverboard, not a Segway this time. >> So, >> you are a child. >> Homeboy is like, "Yeah, uh, we have an. appointment with your neighbors. We can. come back after since your since your. girlfriend's not here." Whatever. He's. lying saying I'm not there. I come out. and I'm like, "No, we're good. Thank. you. And he's like, "But we can pay off. this. Doesn't that sound good to you?". No, the guy, the salesman, he's like, "Wait, doesn't that sound good to you? We'll pay everything off and it's going.

to lower your energy bill and D." I'm. like, "No, we're good." He's still. standing there like, "Uh." And I'm like, "No, we're good.". >> Like, you know what? Maybe maybe that. does sound good. You know, hey, we can. pay off the water softener if they're. going to go and pay it off. him. >> I'm not even kidding. He used to go to. his own separate therapy about consumer. consumerism. He is so deep in. consumerism. It'll help the energy. Polar can be. good, but it still takes like 20 years. for it to break even. Something like. that. Often times you're in a sunnier. place. Absolutely. But still,

still it's brutal, man. >> Well, at least I didn't get sold on. that. But I did get. >> Yeah, because she was there. >> What did you spend on the water. softener? >> I want to say it was like 52 5400. >> The is wrong with you? >> I've lived in quite a few houses in. Austin, Texas, and I've never had water. softener. I don't give a [ __ ] That [ __ ]. rolls off me. I don't care. >> It was worth it. Our. >> our water is uh tastes pretty good. actually. Now. >> take water softener. Isn't that just for.

the comfort of showering? >> It's not for. >> They added a a spet to the sink so that. Yeah. >> And the fridge. >> Well, that was already. >> And the fridge. They added water to the. fridge. Yeah, that that that's that. already happens. Guy, you don't even. know what you got. I think he just loves getting scammed. >> Yeah. No, he just No, no, no. He I I'm. totally serious. He legit needs to go to. therapy that focuses in the world of. addiction that focuses on his.

consumerism. I'm not even kidding. I'm. not even kidding. This is in a similar. vein with his actions in the world of. gambling. That's where he is in the. world of consumerism. Getting sold on. something or seeing something anywhere, seeing an ad, seeing someone he knows. that has something he needs to get it. I. think Well, speaking of gambling, I was. addicted to price picks a couple months. ago. >> That is the least surprising thing I've. heard all day. >> He um. >> I was winning more than I was losing. Just putting it out there. >> Well, you were gambling behind her back, right? Isn't that what you said? Or did. you tell me that? I forgot. Even at this.

point of the conversation, someone told. me something. >> Yeah, I was uh I was gambling behind her. back. >> And you found out? >> Yeah. >> How'd you find out? >> Um because he would brag about it. afterwards, saying that he won more than. he actually spent. And that. >> that time. >> they give us what they give us. >> those referral codes. Uh I would refer. all my co-workers and then I would get. you know $50 to be able to gamble per. coworker. >> I just got another note. How the can you. even get scammed at Buffalo Wild Wings?

>> That was also with his buddies at work. >> What's wrong with you? How what kind of. scam even happens there? >> So uh after a long day at work, me and. you know my work buddies were like, "Hey, let's go to Buffalo Wild Wings. Drink some beers.". >> Wings. Yeah. Okay. >> Yeah. Uh, so they get there before me. Um, I was stuck in some traffic, whatever. I get there and there's a guy. out there and he's just like, "Hey, you. know, um, we're uh, doing this thing for. for the kiddos." Uh, >> guaranteed he was athead homeless guy. >> He may have looked like it, but um, so. it was just more of like, hey, you know,

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ziprecruiter.com/caleb. Again, that is ziprecruiter.com/caleb. Ziprecruiter, the smartest way to hire. All that good stuff. >> He was a methhead homeless guy. >> And uh it was like, "Hey, you can sign. up for just 30 bucks." It was a. donation. I was like, "You know what? Cool. Maybe I can write that off in my. taxes that I did pay this year.". >> In noing way are you doing your own. deductions on your taxes. You are 100%. taking a standardized deduction. What. the [ __ ] are you talking about? If you. even pay your taxes, but go on.

>> So, I do pay my taxes now. Um, but so. anyway, so that I was like, cool, you. know, here's 30 bucks, whatever. I go. inside, um, do my thing there and then. come to find out, they actually enrolled. me in a subscription, a monthly. subscription where $30 is taken away. >> Thising guy, man, he will do anything. and he laughs about it. He doesn't he. doesn't give a. >> he thinks it's funny. Your joke's not. funny cuz it's affecting our It was just. you. Yeah. You guys don't have kids, right? >> No. >> No. No kidding.

>> Just two dogs. >> Is it planning? Are we planning on the. babies? >> Not anytime soon until. >> Okay. Thank the Because my goodness, you're a joke. Okay. What is this time. investment? I've never I've never heard. of this. >> That is the water softener. >> Oh, and it's called time investment. >> He laughs about it. >> I mean, it's the time invested in. cleaning your water. >> You realize he thinks this is a joke. I. don't think he realizes like how much. everything is. >> No, I disagree actually. He said.

approximately how much bad debt he has. He doesn't give a because he was. actually able to stay pretty darn close. to the number. He doesn't care. I do care. And I know that's what. everybody says, but you're laughing at. it. You're giggling. You say you. wouldn't take back the TV. What the are. you telling me you care about? Show me. you care. What can you say that. indicates you care, guy? Cuz I don't see. it. >> I want to make a difference in our.

relationship. >> I'm glad you want to. Why have you done. no actions that would suggest you do? >> I think it just goes back to my. behavioral, right? My be just my. behavior in general. That's what I need. to change first uh to be able to. >> Good general statement. Now, let me ask. you again. Why haven't you then all talk. no action? I just love the thrill of spending. That's why. >> Exactly. And that's where he needs to go. to some kind of counselor that focuses. in the world of addiction cuz he is. chasing that dopamine release. You.

really are. And I'm not saying that I. mean it is objectively bad. Absolutely. But it is so much more prevalent today. than ever. We are more consumer-driven. culture than ever before. And it is okay. if you have a problem. You need to seek. theing help. Build on habit. Stop it for a couple. months. If you do something for a couple. months, a habit is a habit is built. Just [ __ ] budget for a couple months. and don't spend your money on [ __ ]. and you'd be already be in a better. place. So you $3,5659.

on this with $53.68. of minimum is your minimum monthly. payment. Uh what's the interest on this? 10 uh. 10% I believe. I mean, it was worth it for the blinds. and the garage door opener and clean. water. >> Your garage did not have a garage door. opener. What the new build are you guys. getting? I get the blinds. Yeah, why. would it come with blinds? Do you want. to get the blinds that fit the style of. the decoration that you're going to do?

Yeah, that makes sense. Garage door. opener. What the [ __ ] are you guys. getting? >> It's a LAR home. So, >> huh. >> It's a LAR home. So, most of those new. buildings. >> I've heard quite Isn't that the cheapest. of the Isn't that the Carnival Cruise of. the home building industry? I think it. is. But, uh, you know, that was just my. excuse. You know, we're like, "Hey, we're moving in. >> Let's just take care of all this stuff. right right then and there." You know, instead of having to save up and invest. Um, >> save up and invest. Yeah. We get the. garage door opener and you get some. curtains that are a bit cheap for a.

while until you can afford it. >> Oh, for sake. Credit one. This is an. indicator of being someone with the. worst finances possible. It's basically. as bad as it can get. and I'll get I'll. get you set up with the Fizz card. It's. a debit card that builds credit. Certainly a lot better and I also get. you a course career certification so. that we can get in hopefully a better. paying job. Like you you make pretty. good money now, but maybe we can get. into one a more moral field first of all. and two something that where maybe your. guys' incomes are a bit more tied just.

because that helps the household. So. I'll gift you both of those. But credit. one, the is going on with this card guy? So, uh, that first credit card, uh, credit one card was, you know, I I was. trying to take that first step into. being able to, um, build my credit back. up again. >> Credit one. Oh, >> go on. >> So, uh, this all happened when I was. living with, uh, one of my one of my. brothers. He's just like, "Hey, you. know, as long as you're, you know,

working, saving money," which I was not. saving money. Um, he's like, "You're. you're allowed to stay here." So, I was. like, "You know what? Let me apply for. some credit cards, try to rebuild my. credit after um this Dallas uh forward. situation that happened with my. ex-girlfriend." So, we had to uh get. evicted from an apartment complex. >> You've been evicted before? >> Yeah, we could. >> Not surprised. >> It was a $1,800 uh apartment. >> Was your mortgage payment? >> No, it was a. >> What's your mortgage payment? >> 1416. >> Not surprised you've been evicted.

Look at how you live life. So, you get. onto a mortgage with someone who's been. evicted in the past. Interesting strategy. Not a play I would. have made personally. I mean, it wasn't my fault at the time, right? Uh I believe I I've had, you know, uh or. money has played a big part in my. relationships, including the past. But. in that. >> relationship, it does. Yes, that is a. basic of relationships. Who would have.

thought? >> Yeah. But in that relationship, I was. the one that was trying to keep the boat. afloat. Um, >> so there was no way that boat would stay. afloat then. >> Yes, there was no way uh at all. So we. ended up just, you know, >> boot bar. >> Yeah. >> $87.82 on credit one foring Boot Barn. Is this the one of those things you see. on your friends? >> You got a pair of boots? >> So not not that. I do get work shirts. from there. Uh they have to be fire. resistant. We do a lot of welding and. torching there. I'll find the shirt that.

he's wearing from Boot Barn. That is not. fire resistant. >> Is that what this was? >> Uh, no. That one was too. >> What is wrong with you? First of all, because I know for a fact you had work. shirts. There's no way you did not have. work shirts. >> Yeah, that was a copeing. cope argument if I've ever heard one. Cope excuse. Credit one is bad for. credit building regardless like not for. the credit building part, but because. you have to pay fees every month anyway. You've paid $44.32 in fees on this card. alone this year. Then total interest.

$97.96. this year and you're getting boop bar. not paying it off borderline almost. maxed out. Made a minimum payment of. $49, but then guess what? The balance is. now higher because of interest and fees. and purchases. You're just you're going to be in debt. forever, buddy. This takes four years to. pay off and it's less than $1,000. Takes. four years to pay off. That is what. you're dragging her through. So, you're. not getting married for at least 4. years. Great. Oh my. This the second. card I won.

What's going on with this card? >> So, on that one, they had uh it was on. Credit Karma where it was like, "Hey, you know, if you apply for this card and. if you don't. >> Why are you listening to Credit Karma so. much?". >> I don't know. I mean, >> why do you listen to literally everyone. about everything except for her? >> No, literally. I could tell somebody or. I could tell him, "Hey, the sky is. blue." And he's like, "No, it's not.". And then he comes back and he's like, "So and so from work said the sky is. blue today." And I'm like, >> "Why are you with him?".

>> Cuz I wouldn't be for more than a half a. day. >> She loves me. >> Why? I. >> think underneath all of the shitty. finance decisions that I've had, there's. a great guy in there. H. >> I would like to say the good outweighs. the bad, but like this financial thing, like he thought I think he thinks that I. was kidding about him getting his. together, >> but I was not. So that's why I signed. him up for the show. >> I know. That's why we pulled our little. exercise on him. Listen, and the fact. that she and has already called out.

before with this conversation that you. listen to everyone except for her and. then all of a sudden I see it and called. it out independently, that is not a good. sign. That should be a wakeup call. That's where I'm hoping that we end up. uh heading towards to be honest. >> But if he stays in the mindset of I'm a. man, then this is probably. >> He's a little [ __ ] He can't even. grill. >> Actually, whenever I did grill those hot. dogs are amazing. >> On a flat on a black rock. You cooked it on a pan, guy. A large.

pan. >> And it wasn't even the actual Blackstone. brand. >> And also, hot dogs come precooked. You're an infant. So on this credit. card, I want to at least no purchases, but of course $825. of fees, $1044 of interest. Oh, it's. borderline maxed out. $30 minimum. monthly payment. You owe $436.29. $40 of interest this year so far and. fees of $33 at a 28.24% interest rate. And you sign up for every membership in.

the world. You got Life 360 so you can. track each other's whereabouts. Uh you. got two gym memberships and you don't. even go to the gym. And they say car. wash membership that you never even use. What the [ __ ] Oh, and then you have. another car wash membership. Dude, he he. you'll get everything. There's not a. thing in this world you will not get. >> But he lies about those as well. He told. me he canceled his gym memberships like. 3 months ago, his car wash membership. like 3 months ago. And he's like, "Oh, I. need to do it. I need to do it." And I'm. like, "I thought you already did it.". >> Why do you even lie about that? What is. the point? >> There's no point.

>> Because he thinks I'm going to get mad. And of course, I'm going to get mad, but. I'm mad that you're lying. >> I have I have an iPhone. He just. switched recently because one of his. friends had a Galaxy whatever the [ __ ]. he said. >> What would your friend have? He wouldn't. have to pay for life 360. It would have. fine my. [ __ ] know, dude. What is this? Ally. Ally credit card. >> Yes, that's another. >> credit card. >> Usually see car loans with them, but. okay. Ally credit card. Oh, it's maxed. out. Good. $923.65.

Oh, good. $381 of purchases. You. That's funny. >> That's not funny. >> $14.88 cents of interest acrewing this. month so far. $27 minimum monthly. payment. More boot bar and $107. Get going in some BS. Ross store senior. burrow and more boot bar $92. [ __ ] you. It's for work. That is an. excuse beyond excuses to just go to Boot.

Barn. >> I like my pearl snaps, man. They they. look pretty cool. So, >> Huh. >> They're called pearl snaps. I mean, this. one's kind of wrinkly, but. >> they're called pearlies cuz they have. pearls for buttons. >> And they're pretty pricey. So, as you. can see, >> you look like a gay cowboy. >> That's literally what I told him this. morning. >> Oh, man. Definitely not the vibe I'm. trying to go for, but if you say so. This takes 6 years to pay off.

>> So 6 years till marriage. >> plus the four on the other credit card. >> That's 10. Hopefully I'll save by then. >> I'm glad you can count. >> No, but um. yeah, that's that's really bad. >> Bought a different TV on this credit. card. A different TV on this credit. card? >> Uh before the current TV purchase. >> How many TVs do we need? Dude, what is. wrong with you? It is not funny. It is. not funny. >> That one was uh for my office. So um.

>> office, what office do you what what the. are you doing in your office, you little. >> office/game room. So. >> yeah, there it is. That's the real word. Your little goon cave. Youing jack off to Brokeback Mountain. I. see you. going to [ __ ] bottom barn for your. shirts every day. 30% interest. Well done.

Okay, Capital One. This looks like it is. paid off every month, but it was only. because it was like $59 of purchases, but it still is money that could be. going towards other debt instead of. this. And it's going in and getting some. bull from the gas station going to the. Takiier La Tappy T. Uh. >> so from Michigan. So, with that one, um, the plan was to just strictly use for. gas, uh, purchases. >> Well, the plan failed, you dumb. >> And now I just have a bunch of, uh, I'm.

addicted to zinninging. I don't know if. you know. >> Well, no. >> Yeah, that would be an addiction. >> So, uh, I purchased I don't know if you. can see right there, $60 worth of Zins a. week. >> The Takiara was Zins. >> No, no, that's. >> $60 of Zins a week. So that that. >> 3,100. you dude you're spending you're spending. almost a full full month's worth of. paychecks on Zins a year. >> Yeah. You're spending about three works.

three weeks of pay on Zins a year. Three. weeks that you're doing of work is only. to fuel your zins to pay for your zins. >> Can I say um. >> no you're you're an endless addict. You're an endless addict. There's. nothing you don't get addicted to if you. if you try it. You need to I have an. addictive personality, so I know to keep. myself away from things. I don't drink. cuz I know I would fall down that rabbit. hole. I don't do a fun little drug cuz I. know I would fall down that rabbit hole. I don't pop us in even though I would be.

locked the in cuz I know I would go down. the rabbit hole. Okay, >> that's literally the only. >> And I know I have to personally uh not. that like it's necessarily bad or. something like that. I know I have to. tell myself not toing goon off to. something cuz I know that my personality. could fall down that rabbit hole if I. did. I have to keep myself away from. stuff. I don't gamble cuz I can fall. down that rabbit hole. You should know. this. It is clear as day with your past. gambling now this and everything you're. doing. You will fall down more if you.

accidentally stumble upon something. And. you have to keep yourself away. You have. to be self-reflective and more. self-mature. to be able to. live a healthier life and keep you away. from stuff. And it isn't just impacting. you anymore. It impacts her, too. $60 of zen a week. >> Mhm. >> Thoughts on that, lady? >> I think it's a waste. And he started. because one of his friends at work did. it.

>> I mean, to be fair, it does help you. lock in. Just saying. Yeah, until your threshold's met. Then. you only have to go up. No, keep it in. your [ __ ] pocket, you addicted, disgusting motherucker. >> Yeah, I want you to feel the withdrawal. You disgust me. >> So that restaurant, La Tapatillas, down. the street from his work. So I could. pack him lunch and he will still go and. >> ask why. You know, just sometimes I'm not craving. the leftovers. So I.

>> Sometimes as in every time. Is there. always leftovers? >> There's always leftovers every. >> No. Is the lunch that is packed always. leftovers? >> No. >> No. >> And you're going to what? >> So he'll go to La Tapatilla. >> I've never even heard of La Tapatillas. Is that a. >> It's a chain in San Antonio. >> There's another Mexican restaurant he. goes to and it's kind of like a Mexican. Hooters on his lunch break. >> A Mexican Hooters. >> Yeah. >> And he'll go on his lunch break. >> So they serve in low riders. >> They don't serve in low riders. They're.

just in like I guess mini skirts or. something like that. >> Scandalous. >> Okay. They they do that at regular. Hooters, too. Well, what makes it a. Mexican Hooters? Do you have. >> It's a Mexican restaurant. >> It's a Mexican restaurant. Yeah. >> I guess it's his. >> like a white castle, but instead of the. castle part, there's just a big wall at. the top. >> No, there there there's not. Um there's. just and I guess I don't know, hoochie. suits or whatever. I don't know. >> With browner skin. I I don't understand.

How is it a Mexican hooter? Okay. Okay. Sure. >> I like I I don't get it. I don't know. what makes a Mexican Hooters. >> The fajitas are deal. >> The fajitas instead of wings. Okay. That. that would make sense. Okay. Okay. So, they they hope that you see tits on your. way to having diarrhea in the bathroom. >> Yes. Understood. Gotcha. >> 30% interest on here. Oh, you were lying about the amount of. Zen you were taking from her. They're.

saying. or at least the amount that you were. spending on it. Is that right? >> You didn't know it was that much a week. >> Yeah, >> he was misleading to a different number. >> Yeah, I thought he was. >> Why even just say that? Be open about. your struggles if you have a struggle. >> like a puck or two like a week and he's. doing like a puck or two a day or. something like that. the [ __ ] wrong with. you? >> Yeah. And it's very like I can quit when. I want. I can I can quit when. >> So why don't you want to then?

>> It just helps me looking at work, you. know? >> I think Yeah, it does. But buddy, your. threshold's here. You could have that. Not as sufficient, but with like coffee. or like a zerocalorie energy drink or. something? >> Yeah. >> Okay. Well, that's that's okay. Most of. us are. I have a coffee right here. If I. don't have it, I have a headache and I'm. tired. Yeah, that Okay. I mean, how many. milligrams of caffeine are you drinking. a day? Is it more than 400? The daily. recommended cap? >> Uh, it used to I've come back I've come.

back. >> But you replace it with Zins. >> Yeah. Which isn't, you know, which isn't. healthy. >> Okay. Indigo, what's going on with this? >> Uh, so that was actually uh it's a. credit card on that one. The same thing, just miscellaneous um purchases on that. one. >> Okay. Okay. $40 minimum monthly payment. Balance of looks like this is No, it's. not paid off every month. No interest to. charge you. Fees to charge you. It's a. monthly fee. Credit protection fee for.

so ridiculous. You're a [ __ ] 5 months. to pay this off. That's how low the. balance is. Yet you still won't. $17144. Tit, dude. What is wrong with you? 35%. interest for some of it. 24 for the. rest. Ridiculous. $126 of fees this year. so far on this car alone, meaning you. likely had a mispayment cuz that doesn't. add up to $122. If this is your monthly. fee of $5 times the 7 months we had, that's $35. You've had $126 of fees this.

year so far. You've had late payments. There's no way you haven't. >> I believe I I have. >> Remember when you said he you he. literally said, "I've never been late on. a payment before." Where are you talking. about? You lying piece of you lying. piece of [ __ ]. No, I I guess I did have I mean obviously. right the the facts are showing that. I've had two two late payments but. >> the facts are showing that just two. Maybe may the be I don't know but you're.

a liar and I can't trust anything. you'reing saying milestone. What's up. with this? It looks like the same. [ __ ] card, honestly. >> Yeah, they are. They're they're I guess. backed by the same bank, >> right? Well, this one is $353.90. Minimum payment of 40 purchases of. zero, but monthly fees, monthly. interest, $10 that fee. Oh, yep. About. like about two to three late payments on.

this one this year so far as well. And. she doesn't evening know. What a joke. You should be disgusted. Good [ __ ]. luck on the way home, buddy. cuz I'm borderline giving up at this. point. Good. Affirm. Let's have an affirm to. while we'reing at it. What is wrong with you, man? This is. $137. for what? Cove Smart. What is Cove. Smart? >> Uh, that's the security system we got.

for the house. >> Yes, because I'm sure people are just. breaking into y'all's homes left and. right. The is wrong with you? Let's say. it's like a $25 minimum monthly. probably. [ __ ] stupid. Here's a. mortgage. Now you guys are on this and. you split it, right? >> Yes. >> Rate 4 point uh 4.625. When did you guys. get this? >> Uh two months ago. This is a good rate. for that. How did you guys get such a. good rate? >> Um I have good credit. >> Well, yeah, but for good credit, this is. still lower than you'd normally get.

>> First time home buyers, I I am bonding. by myself also. $188,19944. Oh, he's not on it. He's not on the. mortgage. >> Oh, >> yeah. I was not able to. >> That's okay. I feel much more safe about. this then. Good. Cuz you $1,416.51. So, I am okay with this. >> You didn't correct me when I said you. guys were on the mortgage together. before. >> Minimum monthly payment of $1,416.51. And he provides what? 40% or something.

>> right now. So, right now, uh, he gives. 50% because we make about the same. Well, you make a little more. >> Well, actually, >> I have her before taxes. I have your. after taxes, so maybe not. He He'd have. probably brought you right up. >> We actually couldn't get it with him. >> Yeah, it was 10 uh 10 or 15 credit. points. >> Now you have $430 that you just spent on. Home Depot and that's your new balance. >> So, that one's also in my name, and. we're going to do that in half, too. He. applied and got denied. >> $29 minimum month. What the dude?

This keeps going. This keeps going. I. mean, what are we buying at Home Depot. so much? And why did you even need a. credit card? Why didn't you have cash if. you had to open one? Why? >> I didn't want him to have to owe me cuz. I could have paid it out without right. cash. >> Because you don't trust him to pay you. back. >> I do. >> And why didn't you want him to have to. owe you? Cuz he still does to pay for. half the credit card. >> Yeah. >> So, it's the same thing. That doesn't. make sense. >> I think for that one, well, we just uh. we ended up getting I believe just lawn. care tools. It was a lawn mower, weed.

eater, >> and we also $33,882. of student loans. >> Yes. >> For your what degree? >> No degree. Uh, >> right. >> I believe I have like 122 credit hours. and no degree. >> How long were you in school? >> Uh, I started in 2013 when I graduated. So, I was in school up until 2018. So, it's like 6 7 years and no degree on. that. The are you with? Why are you. accepting this? You want him to be the.

father of your children? I don't know. I. don't get it. Listen, you're on an. income based repayment, which honestly. you you don't even deserve. You make. good money. You should be forced to pay. at least $350 is what your minimum. monthly payment should be on a 10-year. standard plan. Yeah. >> Like, [ __ ] you. You do not deserve this. You are not someone that needs an income. driven plan. It you all the money that. should be going to this that we have. lent you as the public, you are spending. on bull and we're allowing you to do. that. And it's unacceptable and.

disgusting. This is soing stupid. You had a late. payment on your student loans. >> Yeah, honestly, that one I I didn't I. didn't even know about it. I think it might have been before the. the plan that I had set up. >> Okay. >> Oh, man. I don't know. This is I This is I I don't This isn't a. budget problem. This is just his. behavior. This isn't a budget problem.

This is a He's a degenerate and he he. embraces it and he thinks it's funny. Thou $1,000 in this checking account. That's halfway decent. Moving money, some back and forth. Okay. Yeah. Nothing. crazy was happening there. Okay. And. then uh his spending account $358. So it's an Apple bill, Cash App, Cash. App. Is that sending money to her? >> Yeah, that's sending money uh to her for. the bills. Sometimes. >> you guys have a checking account joint, you don't just transfer in.

>> Uh. >> he was having trouble linking the the. PNC to the. >> Dude, I'm so done with you. Went in got. some cash app cash app brevity teryak. liquor bueno lore. Oh, it's just all. bull spending. It's all [ __ ] penny. It's all it's all moronic. Lids locker. room outlids max.com. Oh, cash app. Cash App Bully Make Amazon. City Base Cinema Amazon Spotify. Captain Me BJ's Restaurant Gravity 6.

Boot Arm Boot Barn Bottom Barn. Chick-fil-A Dutch Bros Tier. Me. Cash App Bill Subway Cash App over. Overnight Overnight Overnight Soap. >> What the is wrong with you buddy? They're pretty good. ESPN Fabletics. Dutch Bros. I'm sorry. I'm sorry. This is I'm not. making a budget for you. because this isn't a budget problem. And.

I know some get upset when I don't make. a budget, but this isn't a budget. problem. It's as simple as that. You. could budget this. I know for a fact. with your income and your minimum. payments, you could budget it. It's a. little tight, but I'm guessing you have. about $1,000 left over, maybe $500. This isn't a budget problem. Plus, you. guys are combined, so it's weird and. confusing. Anyway, this is you having an. addictive personality, not willing to. address it and not willing to hold. yourself back. You needing therapy and. you need to work on your cop spending. and your inability to say no. You need.

to grow the up. Stop being a little boy. And you need to respect your partner and. actually focus on not hiding and. cheating behind her back and stand up. like aing man for the first time in your. life. What a joke. Hammer financial. score. Join us in the post show. I know there's. always more, especially with a couple. Sick. It's so dumb. Just subscribe to. Hammer Elite. Link below. Join us for an. extra 20 minutes. Noting done. Pull out.

your phone right now. Open it. She. doesn't even trust you to give you that. How long has he been lying to you? >> I'm going to assume the whole time we've. been together. >> That's insane. Who the would marry. someone that endlessly goes behind her. back and cheats? >> I hate him so much. >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.