He Stormed Off Financial Audit

I hope I don't find anything. But. >> why do you have to go through it? Why do. you feel like you have to go through it, though? >> Cuz that's how I found out last time. >> Found out what? >> I thought he was cheating on me. >> Are you my mommy now? You do the same. thing. No, no, no, no. Let me hush. >> She recorded your guys' text. conversations to send to her friend. >> That's up. That is like our. personal. >> I needed like another opinion. >> My privacy feels so violated by you. doing that. >> I needed another opinion on it. >> This is She should not be. >> Okay, you want to step outside real. quick? Can we let him outside? Dollar. Wise is finally here, sending waves. through the personal finance world. This.

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I want you to be on the next episode of. Financial Audit right here in Austin, Texas. If you think you have interesting. finances with an interesting personality. or a story or a life or relationship, I. will personally pay you to take time off. of work, fly you down to Austin, get you. personal transportation, a hotel, food, and we'll have a great time hanging out. Go to caleophammer.com/apply or click. that link in the description below. >> Hi, I'm Lily. I'm 30 years old. >> Hi, I'm Luke. I'm 35. We're from. Lexington, Kentucky, >> and this is Financial Audit. >> Well, thanks for coming down to Austin.

Lily, what do you do for a living? >> I'm a verification specialist. >> What are you verifying? >> Medical insurance benefits. >> Okay, very good. What do you make in. this job? >> 40,000 a year. >> Lexington, Kentucky. I'm going to assume. it's like if we're looking at like. median United States, it's probably. right around there, maybe a little. below. I don't think it's that crazy. Unless I'm completely wrong, but I'm not. the most Kentucky educated person. How. many hours a week are you working? >> 40. >> Okay. Why are you septum piercing?

You're not like the classic septum. piercing. You're kind of. >> more of like the. >> you should be translating to Karen. >> No, >> I mean you look like you're supposed to. be, but you're in septum piercing land. It doesn't really make sense. >> I used to have purple hair. Oh, >> she did. >> Oh, >> I like what I like. >> You like Okay. >> She is a dumb, >> man. You're going to get What hits your. account per paycheck cycle? What is that. per paycheck cycle? >> Unless I work like a smidge overtime.

It's like 10.98. >> Well, do you usually work a smidge. overtime? >> Depends, but not really. >> So, not really. Uh, so what's your. average then? >> 10.98. >> every. >> two weeks. >> Okay. Oh, I certainly hope this dude. makes some money. What do you do, Luke, for a living? >> Uh, I'm in food service. I actually have. two jobs. Um, I work at a fast food. restaurant part-time. >> Which one? >> Uh, >> yeah. >> Yeah, >> dude. That gravy and those tenders are.

>> The gravy is very easy to make. >> Well, it's gravy. Okay. And what do you. do with that? >> So, I'm a cook there and then I work at. a middle school as a lunch lady, >> right? Yeah. >> And how many hours a week do you work. there? What's your pay in both of these. locations? >> Gotcha. So, I'll start with the middle. school. That's my main job. Um, it is. contracted. So, what that means is I got. a set contract for however long the. school year is, whatever. So, >> but not independent contractor. >> No, no, no. That's what Yeah, correct. So, um, basically.

>> every week I make $311. Every two weeks, my apologies. Um, so. it's 622 a month at the middle school. >> What the are we? Okay. And then. >> um $11 an hour. Um. >> what are we do? No one makes that low. anymore. >> Take it up with Dairy Queen. >> No, take it up with Lexington. Why are. you there? Okay. No, no, no. I get it. I. mean, what's the minimum wage in. Kentucky? >> 725. >> Okay, so federal. >> Yeah, >> that makes sense. But dang. Yeah, Lexington's a little behind.

>> Sucks. >> Well, but that usually means the cost of. living there is likely cheaper, which is. what I was suggesting at the beginning. I might have to look it up. Okay. How. many hours a week are you getting there? >> Uh, Dairy Queen. Um, it's going to be 80. hours a month, give or take, cuz it's. >> a month. What do you take home a month? >> Um, I think I estimated like 1,500 a. month. >> Okay. >> That's with both combined. [snorts]. >> You are 35.

>> Indeed. >> Well, you should be on Indeed cuz you're. making $1,500 a month. >> But I'm a launch lady. How cool is that? Not cuz you're making 622 a month from. that. It's not very cool, is it? >> No, not at all. I can't stand it. >> Baron's coming out, huh? >> How is that not cool? >> Oh, you're not paying You're not getting. paid enough to with. >> a fun job, though. >> Being a lunch lady. >> The kids are funny. You know how many. fights I've seen in the lunchroom? >> That's what we're basing our entire life.

around, seeing kids beat each other up. >> Well, it's like, >> go work in juvie. You'll make more being. a guard. >> I've done that before. Do it again. >> No, that shit's stupid. >> But being a lunch lady is not. I mean, well, I mean, well, to do to any What's. the highest paid person in your lunch. lady service? Do you know? >> Um, >> is there like a decent career position. that Cuz the lunch ladies I you know, when I went to school, it's the same. people forever. They they did it. forever. >> That's true. I. >> But they couldn't do [clears throat]. this forever. Not that income.

>> I work I work with some dinosaurs. I. will say that. Um, they've been there. since Jesus was born. But. >> but that means they're like having a. career, >> right? Right. So basically, >> so what's the difference between you and. them? >> The longer you've been there, the more. you get paid, right? It stops at $19 an. hour. >> and that's after working there for 10. years. >> 20 years. >> 20 years. >> I want to make it a career cooking at. least. >> I have a feeling you're not necessarily. on board with that. >> No. Look, she is.

>> I'm speaking. >> Um, >> she she is like a spoiled brat, spoonfed. like mommy and daddy give her. everything. Is. >> she makes the money? What? Well, what do you mean? Wait, no, no, no. What do you mean? She makes the. money. >> I mean, but she spends it on everything. >> But I have the money to spend. >> Well, do you? I mean, I don't think. you'd be on the show if that's the case. Like, I don't know if I'm going to agree. with you there. No, you don't. Do you? >> Yes, I do. >> Yes, I do. >> Okay. You don't. But whatever. >> Well, what's the disagreement there?

>> Because she she buys all this. Like, we ended up going to Walmart last. night because. >> I'm sure you did. >> We did at 11:00. Tired as but. whatever. Um, we ended up getting. something we did not need. >> I needed it. >> What? It was a watch for her daughter. >> and my nose ring. >> just because she needed. >> You actually just got that? >> No, I the actual like ring part of it. Okay. Why' you need the watch for your. daughter?

>> Cuz she wanted it. >> She wanted a digital watch. >> Can you describe that as a need? >> She wanted it for school. >> Sure. I keep hearing the word want, but. you said it was a need. Where's the. need? I'm not hearing need. >> Why did she need a watch? No one needs a. watch. >> Yeah, she does. To learn the time, >> huh? >> Is it not your kid? >> No. So, we're we're a blended family. >> I have two kids. He has two kids. >> Yes. >> You look like a thumb. >> A thumb? >> Just the more and more I look at you,

something's happening. >> Are you Jewish? >> No. >> Can I call you Jew boy? >> Well, I mean, you can. I'm not Jewish, but what does that have to do with how. you look? There's something happening. It's like. I I've seen you somewhere. >> Really? >> Yes. No. No. No. Like Planet of the Apes. or something? Like there's something. going on. >> Okay. I just Sorry. I was taken away. No, I mean I Hey, you can be bald. It's. okay. I've just Whatever's happening. right here, I've never witnessed other. than like prosthetics in a movie.

>> Oh, like this? >> Yes, >> bro. I hate this but. >> Well, no cuz it's crazy. >> I can put a pencil there and hold it. >> Okay, so what were you saying? >> She needed the watch. >> Yes, obvious need to. So, >> she needed it for school. >> The agreement clearly though is on the. more career position. So, what's your. perspective here? I mean, obviously you. don't like it. He thinks it's fun. So, but tell me what's going on in the. conversation around it. >> Fun's not going to get you anywhere. You. need something stable. You need.

something that is going to last. throughout the summer. You need. something that's going to pay bills. instead of me having to cover like part. of your bills. I pay my bills. So, I. don't know why you're rolling your eyes. about it. >> I pay my bills, too, with my help. >> In fact, >> you don't give me a dime. >> Yes, I do. >> No, you don't. >> How do we how are we disagreeing whether. or not money is given? That's like a. clear fact. >> Like you're good with giving me gifts. I'm cool with that. And whatever. >> That's not giving money to pay your. bills. >> Yeah, I I can pay my bills.

>> Wait, then what are you talking about? >> I give him money to pay his bills. >> How is there a disagreement on that? That is a clear yes or no. >> I don't understand what you're I don't. understand what you're disagreeing. about. I. >> helped you pay your bills before. >> Are you crazy? You're just making that. up. Like, what is going on? >> No, I'm not. You need to calm down. >> Whatever. >> What is happening here, guys? What is. that dynamic? I I don't want to I I want. it to be a productive conversation for. what it's worth. What is that dynamic? You guys aren't even looking at each. other. What is the dynamic walking into. this room? I don't know you. I go into.

these episodes blind. Give me a little. something to work with here. Cuz this is. so far a little difficult to mediate. I'll be honest. >> I mean, we just have our disagreements. It gets intense sometimes, but it. happens. >> I don't know. I maybe she's just not. used to someone like me. I don't know. >> what is like you. >> I treat her like like I I worship the. ground she walks on. I treat her. amazing. I'm always there for her. emotionally. Like all this stuff.

>> You agree? >> Sure. Until his like attitude comes out. >> Why would his attitude come out? >> Literally, I could just say I'm just. like a little bit frustrated. I'm a. [clears throat] little overwhelmed. >> And he just is like, you're not allowed. to feel that way. I'm not allowed to. have my own feelings. >> You hit her with you're not allowed to. feel that way, >> dude. >> Have you ever talked to a woman before? You know that makes it worse. >> I've talked to Well, I better not say.

that. I've talked to No, I'm not going. to say that. >> You're 35. I'm sure you've around. Had. some fun. Who cares? >> Fair. >> How long have you guys been together? >> A year and a half. A little over. >> Did you guys fight before this episode. or something? >> No. Yes. >> Did you fight on the what? Well, we can go. >> You're disagreeing with yourself. >> It was over a gas station. I was trying. to find a gas station. We passed three. of them on the way here. And he would. not tell me like to pull over or. anything. Hey, there's a gas station. over here. Hey, there's a gas station.

over there. And he just wasn't telling. me anything. And I'm like, I need you to. look up these gas stations so we can. stop it. >> First of all, you did not tell me to. look up any gas station. I want you to. need to like chill your tone. >> Chill my tone. >> Yes. Chill your ever. >> Okay, >> guys. What the do I do here? >> No, I listen listen listen. Hear me out. Big dog. >> I'm trying. >> So, I assumed that the next gas station. she sees on the road, she would just. turn right in there and get one.

>> Oh, you were driving in the middle of. the road. >> Well, fair enough. Why didn't you just. go to the next gas station? >> Cuz I didn't know where they are. I'm. not around here. >> But you just see them. I don't know. >> Cuz I'm in this lane and they're all the. way over in this lane. So, I need to. know when to get over. >> Get in that lane. She's so scared to. drive anyway. >> To get over in that lane, >> you can just drive in the right lane. I'm confused. You think every right. lane's a mandatory turn right lane? >> I don't know. >> Have you driven before? Okay, that's a. weird thing. >> There are some like just turn only lanes.

here. >> Yeah, but then you see it and you get. out of the lane. >> like last minute. >> I I asked to drive, but she said no. >> Do we need to talk about your foot? >> Oh my goodness. >> We're not talking about my foot. >> How often do you guys fight? cuz what. the. >> like pretty often. >> Yeah, I would uh say. >> they're not that bad. >> Not that bad. You guys can barely. communicate right now whatsoever. >> Like I said, I can't I can't even like. disagree with anything. And he he's just. like, "It's my way or the highway.". >> Okay. There's kids in the picture,

right? Yes. >> Let me get I'm trying to get a full full. picture here, I guess. >> Four kids. >> Mhm. >> Between us both. >> Yes. How many for each? >> Two. Two and two. >> Two two ages. >> Um I've got Thanks. Thanks for letting. me speak, by the way. >> What are we doing? Come on. I mean, let's try to Let's Come on. >> Um, so I've got my son who is three and. then my daughter who is turning 12 next. week. >> Okay. >> Um, I have a daughter who is 8 and a son.

who is five. >> Does he not let you talk at home? >> What do you mean? >> He just What do you mean? What do you. mean? What do I mean? it. I can talk as. long as it's in a nice friendly tone. And. >> why don't you let her talk there? She's. being fine. >> She always interrupts me. Every time. Every time. >> You always interrupt me. And I have to. literally stop and be like, "Can I. finish what I'm saying?". >> What is our hope here? Feel like you. guys are using the show to stab each.

other right now. What is our hope here? What's going on? What are we talking. about? I'm trying to get him to realize. that he needs a job that's going to. actually pay bills so he's not in all. this debt. >> Not unfair. >> Sure. >> And you? >> She's got anger issues and she just. expect. >> You want me to solve that? >> Can you anger issue audit? >> Uh, >> can I go have these on that?

>> I mean, I don't know. You You've kind of. been the one a little more snobby. >> Maybe I'm hangry. I don't know. I'm a. big guy. I like to eat. >> Okay. Why are you looking at me here. like that? That's crazy. Dude, >> you're looking at me. >> Nah, you sure got it stuck into you this. year, boss. >> Shut up, Lindsay. >> No, you're looking at me like you're. about to stick it in me, dude. It's. wild, >> brother. No, [sighs]. >> you're the one with the look. Okay, so. >> you think she's a cover up or something? >> Well, there are bisexual people out. there, but what are you hoping for out.

of this conversation? >> I mean, I do have a dream, right? >> What's your dream? I want to put two. together, right? My dream is obviously. to marry her. I do love her. >> Really? Really? >> We're engaged. >> Oh my. >> And then I want. >> Well, that's quick. Oh, you could have. fooled me. Okay. And what's number two? >> I want to have a food truck. A dessert. food truck. >> Okay. >> He's actually really good. >> at everything. >> At.

>> making food like like little like. dessert stuff. >> Okay. He works at. >> Right. I've got plenty of food. >> And he warms things up at a public. school. >> We do warm the things up. Yeah. >> Yes. I Come on. >> Um, so I've had a lot of food service. experience over my years of being an. adult. Um, I shadowed under a friend. shift for a year and a half. >> Why are you working at in a public. school? >> Lexington's got some jobs. You. either got to be. >> Why are you in Lexington? We as a human. species move where there are.

opportunity. Even back to the. Polynesians. >> Well, that's why we're here. We can't. afford to even move. >> No, you can like Well, with kids. that is a little difficult. Okay, fair. enough. >> And like my family is around where we. live and I don't want to like move away. >> Yeah, but that's like a sacrifice we. have to do for a better life for our own. kids, right? This is something we have. to do. Like I could have stayed in my. small town, smaller town, Kalazoo, Michigan forever. I wouldn't have had. the same opportunities that I've been. blessed with since I moved to a place. with opportunities. I was an adult. I. made the choice. But do you think your.

life would really be different though. >> if you were somewhere else? cuz even. still there are people eat at nicer. restaurants in Lexington still. Promise. you. >> Okay, >> you're stuck as a cook at How How can I. take anyone's word that you're a great. chef that's ready to open a restaurant? Do you support that venture? >> Kind of. It takes a lot of money to like. >> That's what I was going to say. And. you're already against him making 1,500. bucks a month. Are you ready to do 2, three years with no money? cuz it's.

going to be money in, not money out. >> You want to go havsies on that? Like I. mean I can do some gourmet pastries, some cinnamon rolls, some pumpkin rolls. >> Okay. Have you heard me speak positive. about this yet? No. So you are She's. already struggling with you bringing in. 1500. It's going to be a couple years. before you generate a profit. Usually. with most restaurants, food truck might. be a bit easier, >> but you could help me start it. You can. run You can run the whole thing. I'll. >> I appreciate it. Obviously, I'm not. going to. Shut the up. So, what are your.

thoughts on this? >> Like I said, it's going to take a a. while to like build up. Maybe. >> that is true. So, what are your thoughts. on it, though? Like, that is a fact. Now, what are your thoughts? >> We have other to take care of right. now. Like, it it we can't just like drop. everything. We have all this debt. You. have all this debt. >> Is it just him? >> No. >> I have like a car loan. And. >> that's a debt. >> Exactly. >> And car loans is often besides a. mortgage, if you have that, he doesn't. work. He has more debt. >> Oh, well, it's not a competition, dude.

Car loans are one of the biggest we have. as far as minimum monthly payments go. >> I need a car. >> in the United States. You don't even. have a car. How do you get. [clears throat]. >> How do you get How do you get to school? >> Take the bus with the kids. >> My dad's car. >> So, we do stay with her parents, by the. way. In a grand, >> you make more money driving the buses. for the school. >> Probably. >> You're not wrong with that. I should do. that. >> No You are like the lowest income. person I've had on the show. >> a long time. You are a failure of a. 35-year-old. >> You No, you're a Well, okay. How are you.

not a failure? >> First of all, I'm a bald bdy, right? I'm. beautiful. Oh, I love how. >> you're going to annoy me. Okay, >> good. But I don't know. So, let me get. back to the car thing, right? If you. don't mind. Um, sure. You run the. convers's. car before he moved in with me. So, he's. literally never had a car since I met. >> Can we do one thing at a time? >> Can you chill out? Can you chill the. out? >> Okay. [snorts]. >> Anyway, I'm borrowing her dad's Jeep.

Okay. That's how I get to work and from. work, right? Um, he's nice enough. Her. her mom and dad are nice enough to let. me use the vehicle. Okay. But. eventually, yes, I do need to get my own. vehicle. >> If I'm not mistaken, you're kind of. complaining how her parents like give. her money and she's spoiled, but you're. the one that's actually getting blessed. by her parents at the beginning. Like. what the what the like you're you're. receiving the exact thing you were. bitching and moaning about and having. resentment over. >> Well, I feel like that I'm the best.

relationship she's ever had. And I think. they feel that way because she. >> Well, she's still with you. So, I guess. she agrees. >> So, maybe they owe me it. Owe it to me. >> Did I catch you guys in a bad time? >> What do you mean? >> He He [clears throat] He just has like. an attitude problem. >> and you can deal with this. >> sometimes. >> I want to be able to deal with it. sometimes. Yeah, >> she's got the attitude, not me. >> I told him up front that I have like. issues. He tried to make it seem like um. >> Okay. >> Like he was this like calm, cool,

collected. >> What? >> Oh yeah. And then it was like 180. >> No, no, no. Her anger issues and how she. takes that out on me changed my whole. mental mindset. She has made me into who. I am now. I get set off by anything. I. go from zero to 100. It is your fault. >> Okay. I have never been treated like. this in any relationship I've ever been. in. >> Treated like what? Tell me. >> Like dog. >> But tell me, I need examples. >> She has repeatedly yelled at me. I. remember one fight we had. We were on. the way to her daughter's basketball.

game and it was about me going down into. the basement to go clean up some stuff. and then it was maybe 10 minutes and. she's like, "Where you been?" And I'm. like, "In the basement cleaning." And. she's like, "Why didn't you tell me?". I'm like, "Oh, so am are you my mommy. now and I have to tell you?" You do the. same thing. No, no, no, no. Let me hush. You do the same thing to me. You'll be. like, "What are you doing? Where are. you?" I could literally get up and go to. the restroom. What are you doing? Where. are you going?

I don't I basically like you messed up. my train of thought because I was. talking about the the argument. We were. driving to the basketball game. Thank. you. So, I'm thinking myself, right? Third person. That's cool, right? No, it's not. Um, so she we we were yelling. at each other over the fact that we that. she was saying like, "Where are you at?". All that stuff. And she has some kind of. psychotic break or something. I don't. know what the happened. She's. driving. I begin to like start fearing.

for my life. She's like slamming her. hands on the steering wheel. I'm. thinking. >> kids in the car. No. >> No. >> Um, I thought maybe we were going to go. into a ditch, whatever. >> It was not that dramatic. >> It was I got. >> You guys fight every day. There's no. chance. You fight every day. >> Not like every day. >> Not every day. >> What? >> We have good times. >> Yeah. >> The good times outweigh the bad. For. sure. >> Yeah, for sure. >> Okay. Why'd you come in here on a bad. time? It's. >> She came me out to Not 3, but like 11:30.

at night at Walmart cuz she needed a. nose ring and a watch for her daughter. She did. >> last night. >> Yeah. >> In Austin. >> Yes. >> Scared shitless. She. >> There was no other stores. I really I. >> But you didn't need to get a watch for. your daughter in Austin. >> It just I happened to find it because I. was looking for one anyway and I just. found one. >> You didn't need to be at Walmart at. 11:30 p.m. the day before coming on. >> I had a different nose ring and it. looked. >> No one gives a. >> I do. >> I'm going to be real with you. Your debt. is not the same as everyone else's. You've got your own unique mix of credit.

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below. >> Great. Okay. >> I do like her jewelry. >> Well, that's good. I'm glad I obviously. you guys like something about each other. because you're willing to put up with. the I wouldn't be able to put up with. the day in this relationship. I don't. know how you guys do it. I don't know. how the kids do. Do Do all four live. with you guys? >> No. >> So, who who lives with who? >> His daughter is in Tennessee. >> Mhm. >> The older one. >> Yes. >> Correct. And then the kids' schedule, they're half with me, half with their. dad, and same with his son.

>> Yes. So, my baby mama number two. >> Great. >> Um, I got you. >> Are you going to do it again? >> Three is a charm. >> What is it with the show and the most. failures among society being the ones. that reproduce the most? It is. impressive. It is impressive. >> If we get pregnant and we have a baby, could be the next president. >> Maybe. I guess. I don't know. But you. guys, I don't know. I mean, >> okay. Um, are you guys actively trying. for a kid? You guys are engaged. >> We though.

>> Oh my god. >> And is it protected? >> Yes. >> Yes. Well, >> okay. Well, >> yes, it is. >> We go raw then when I'm about, you know, we. >> Huh? That's not protected. >> Half and half. >> Well, that's not protected. Why even go. half and half if the other half is No, >> I can hold my in. >> What do you mean by that? >> But like 30% of men or something have. semen in their precom. I don't pre-com. that's not. >> I can turn off valve I'm good. >> and but he pulls out. >> Yeah. >> if I don't have a condom. >> So what's our living situation then with.

these kids? I don't know how you can. afford a place like it must be a cheap. place. >> No, we live in uh the parent the my. parents basement. >> at 35 and 30. >> Yes. We can't afford any rent. >> And you're talking about opening a. business. What are we on about? Do you. not give a about your kids? Go. start a career. >> How am I going to do that? I got my GED. That's my good job. >> Good. There you go. And you have. experience now. Start working your way. up somewhere. Become a manager.

>> Start doing some Yeah, right. Why? Yeah, right. >> He has manager experience. >> Well, there you go, dude. We've had. managers at like Waterburger and stuff. make six figures on this show. >> I mean, I was close enough. >> We know Panda Express, they get like. 120. >> I was making six figures. >> Is there a BIES nearby? >> No. >> No. >> Okay. >> Not close enough to like commute to for. work. They make over six figures. Like. there's actual This is cuz those are in. demand positions cuz fast food is hard. to fill. They will pay. >> Before her I was making.

>> nothing with that. Come on. Yeah. What. were you making? >> So I was making around 90k plus. It was. commission based. I was a time share. sales manager um in Tennessee and I was. making bank. Okay. And I feel like. honestly that's. >> why don't you go do that? >> You got a time share in Lexington. The. What do you mean? Okay, why don't we go. back there then? >> She's not leaving the silver spoon. >> Leaving my parents. >> How far of a drive is it? 5 hours. >> Okay, that's not the worst. Tennessee. and Kentucky are close and you guys are. from small states. Micro dick states.

>> I I don't know. I just don't I don't. like being that far away from my family. I like to be able to like just drive to. my mom's house whenever I want. >> Well, then you might have to accept that. there's going to be lower income. opportunities for the rest of your life. I mean, I think if we moved, it would be. a good thing. >> I mean, objectively, career-wise. >> I have a good career right now. >> Well, honestly, you really don't make. much. You really don't make much. >> You work from home. >> Yeah. What's wrong with that? What? What?

>> I'm not saying there's nothing wrong. with that. >> You're like attacking her for that. >> No, I'm saying we can move because she. can take that job anywhere, right? We. can move down to move somewhere else. >> Okay. Yeah, sure. Um, okay. So, what's. our plan then with the business? >> I don't want to interrupt you, so go. ahead. >> I mean, you'll have your business. >> Well, I mean, I thought she was going to. interject on something. I I felt like. she was, but. >> Okay. So, I'll just start then since she. don't want to say anything. >> Well, she doesn't even fully necessarily.

support the business, but she certainly. doesn't support what you're doing now. So, what's the plan? >> So, the plan is So, we are getting. married. Um, >> when why? >> Cuz we love each other. [snorts] when? >> So, it's November 6, 2027. Um, when we. do that's our wedding date. Um, so we're going to have a little bit of. money left over after the wedding to. either do honeymoon or. >> from who? >> Just gifts and stuff. >> We're going to Yeah. And we're. >> not going to pay you for the wedding. though. >> Well, wedding and honeymoon. We've been.

saving up. >> Yeah, we're saving for. >> You have money? >> We're broke. >> We have some saved. >> Yeah, I know we do. >> For the wedding? >> Yes. >> Yeah, we saved. How much is the wedding. going to cost? >> Like 10,000. >> And how much you have saved? >> 3,000. >> Yeah. 3,000. >> You need to go to the wedding instead of. clean. How much debt do you guys have. combined? You're about to be. We should. know as a household. How much do you. guys have combined? >> I just have the car. >> She has medical debt. What? Medical. debt. I didn't ask what you have. I.

asked what number you guys have. combined. >> There's so much for me. >> Savings is 25. But I will tell you that. barely even scratches the surface of the. debt. It's about 10%. Wouldn't even come. close even if you used it towards. something that's even more important. So. again, what's the plan with the. restaurant? Cuz you're going to be going. in with nearly $30,000 in consumer bad. debts. >> into this marriage with kids to take. care of and no good careers to speak of. I'll get you both course career. certifications individually. Congratulations. People in the audience.

have converted them into six figure jobs. constantly in the trades and tech, whatever you want to do. >> Okay. But clearly right now, this is a. joke. And the wedding's going to cost. money, and you're barely going to pay. for it, cuz I don't know how you're. going to save off on that because your. minimum payments are insane. Your. budget's an absolute joke. And the money. that you get after your wedding is. probably just going to go towards even. paying off what you borrowed to even get. to the wedding. Then you're still going. to be in like $30,000 of debt. And then. you're going to start a company that's. going to take like two years until you. barely break even. And the margins. aren't even great. So, what's your plan?

>> That's why you should help me with it. >> So, what's your plan? >> He wants to use the money. Um, after the. wedding, however much we have left, >> we already established it's going to go. towards paying for the debt that was. used for the wedding. >> I'm going to go for the honeymoon that I. want. >> I don't think she'll do that. >> What honeymoon do you want? >> I want to go to Ireland for like 10. days, 2 weeks. >> What is that going to cost? >> She doesn't even like flying an. airplane. It took everything her to even. get here. >> I'll get over it. >> Well, she did it. >> Yeah, >> she about squeeze my arm off. >> But she did it. How much is that going. to cost?

>> Oh, I don't know. However much it is. >> Thousands. Three for both of you maybe. >> Yeah, it would cuz we want to go for at. least 10 days to two weeks. It would. take every bit of what we have left over. from the wedding, I'm sure. >> Yeah. And you guys are want going to. want to do nice things there. >> See, my my thing is like. >> Oh, let's hear about this. [laughter]. >> So, listen, buddy. You don't want to do. that with me, >> dude. What? Listen, >> just let me talk. >> I am. That's what I said. Let's hear. about this. >> Okay. Thank you. But. >> this Okay, go on.

>> Oh, okay. Okay. What? >> Just yap, dude. I'm listening. I'm. waiting. >> Okay. So, my goal is or my my. >> I'm a bald batty. Okay. >> Go on, >> Mr. Clean looking mother. Okay. Okay. So, >> if I can do the food truck and it's in a. surplus, we're doing good in business. We can we can move to Ireland. We can go. to Dubai. We can we can go wherever we. want to. The. >> are you talking about? I need your. business plan for this food truck.

Desserts. What desserts are you making? >> So, cinnamon rolls, cheese danishes, croissants, cheesecakes. I do a lot of. cheesecakes. Like mini cheesecakes. >> I love cheesecake. I love cheesecake at. night time. Real late at night. >> Do we have a piece of paper? Can we get. a piece of paper for this man? A piece. of paper and a pen, please. Okay, so. that's good. Little dessert thing. Why. are you opening it? >> Well, I mean, just wherever a truck can. be set up. What do you mean? >> That is a very important part of whether. or not people come up to the food truck. to eat. Obviously, I would scout out.

where to put it, but. >> you haven't. >> College campus. >> How are you funding this? How much is. this going to cost? >> Jesus. A lot. >> Wow. Incredible. [laughter]. >> So, um. >> you said like 5,000. >> It's It's going to be more than 5,000. probably. I'm sure. >> that was just what you told me. I mean, we don't really need ovens or anything. cuz I could still probably do that in. like uh at the house, whatever that I.

don't have. >> Damn. >> Yeah, you live with your parents. Yeah, your life's a joke. >> Um I would say maybe about 30k to be. honest with you. Um I'm doing the. calculations right now. All right, this. is what we're going to do in the post. show. Our panel, which is me, Brandon. and Lindsay, as you know, I'm from. Hammer Elite. Well, you're gonna each. sample your best three desserts and we. will make sure we get you what you need. to cook them here in the studio after we.

film and we'll eat it. >> So, write down what you need cuz we. don't have an oven here. So, like if you. need a little cook thing, if you need. flat top, they call me the Gordon Ramsay. of finance. Well, now we're getting just. the Gordon Ramsay of Gordon Ramsay. Okay. Okay. >> So, you write the ingredients you need. for your three best desserts that you. can make in like 30 minutes. Um, so. probably not a cheesecake, but go ahead. Write down. You focus. I'll focus on. her. So, he's a piece of. >> I can hear you. >> Hey, focus. >> Write down what you need. Including even. like spatulas and And one of my.

one of my I told you he's a one of my. little. >> Okay. >> One of my little gremlins will go shop. Okay. >> Okay. >> So, what's going on at this household. right now? How do the How are the. finances ran? I mean, I I put back what. I need. I pay my bills. Um, anything. extra, I do whatever I want with. I'll get groceries um from me. And. >> I have the headphones.

I have the headphones, please. >> What you listening to? >> Mark literally took off headphones for. monitoring the audio of this episode, thinking that's. >> No, no. I need this man to lock the in. [laughter] and I just need to talk to my. girl over here. >> Your girl's girl. >> She's my girl. >> Also, so here's the thing, guys. In Lex. Lexington, Kentucky, most realistic. first- time setup, it's going to take uh. it's usually 2 to 3 months working. capital, it's going to be 70 to $120,000.

to get this thing up and running. Uh. yeah, you guys make 3,696 hours a month. and live in the basement and your. parents. I know you're joking about me. investing, but like how are we actually. getting that money? I save a little bit. every paycheck. >> Girl, $2,500. is what we've gotten to after a year. together. And we have a wedding that's. going to cost 10 in a year in a couple. months. >> Well, my parents help out [snorts] a. little bit. >> Appreciate you. >> So, a lean in Bootstrap version is 20 or. 40 to 70,000 hours. Minimum 40 would.

take you a decade to get to at your. guys's pace. And then you're going to. have to plug it in. Yeah. >> Thank you. I got it. >> Did you? Cuz you were trying to You were. doing something. >> I want to do left and right. >> There's no music. >> See, that's the attitude always. >> Do you want the desserts or not? >> Dude, chill out. >> Do not tell me to chill out, >> dude. Chill out. >> Stop. >> Do the kids witness this at home? >> No. No. >> No.

>> You'll wait until they're gone. >> We're asleep. >> We're asleep. Yeah. >> Which means you guys are just building. her up all day. >> I can't hear you. >> Good. That's the point. >> So, I understand you say you deal with. the your stuff, but I want the whole. household together. His money comes in, your money comes in, money's going out. How is the entirety? How's the. communication done? How does this work. in the house? The money. >> I mean, I figure out all the bills. >> Everyone for both of you combined. So, not just you. Okay. >> Yes. I figure out all the bills, what.

we're going to have to pay. I tell him. what he's going to have to pay out per. paycheck, what I have to pay out per. paycheck. I have like a month's bill set. out in advance and then I just pay as I. go. >> Okay. And are we making budget? >> Kind of. >> I mean, you should. You live with your. parents. What are even the. bills? >> The bills are paid. >> Oh, you are brain dead. When he's not. talking, the more brain dead person all. of a sudden you look brain dead. What. are the bills? You live at home with.

your parents. What are the bills? like. car payment, car insurance, subscriptions. Um I have. >> What else is there? >> Doctor's appointments, medication I have. to get. >> Um my uh stuff for my kids. I put money. back to my kids' savings. Um. >> what? >> Yeah. >> How much is in their savings? >> Like two, three. >> Girl, you can't even put a roof over. their head. Stop. >> I don't know like specific, but it's. around two to three.

>> You can't put a roof over their head. Stop that. They have it. >> I want you to their heads. >> They don't even have a place of their. own. Come on. >> We're getting there. >> Dude's about to go into a 40,000 hour. hole somehow and he's going to like. payday loan to do his little dream job, which we'll see if it's even worth in. the post show. Oh, I hope they can read. that handwriting. He's a. >> and he's a lefty. >> He is from the cave this morning. Okay. Um, and how's the communication of. the finances in the house? Well, I. pretty much tell him like, "This is our.

budget." Um, and then. >> So, you tell him, "Yeah.". >> And he says, >> "Well, let's just pull a little bit out. of savings. Um, let's you then we could. put that back into savings and we'll. just random stuff like. >> fun." Yeah. >> Fun stuff. >> Yeah. >> And you say, >> "I tried to like convince him out of. it." But. >> well, convince him. What you have to. convince him? I thought you ran the. finances. If you run the finances, why. do you have to convince him? So he gets. he forcefully takes the money out. No. Then what the are you talking. about?

>> I just feel bad, I guess. Cuz like he really wants it and I feel. bad for telling him no. >> So you're both just endlessly giving. into each other, which means how long. has he been doing this job? How long. have you been fighting him to get a. better job? >> Oh gosh. Um whenever we first got. together, we he was working at the. hospital. and then [sighs and gasps]. >> God, I can't I honestly cannot remember. whenever he started this one, but he was. working. How long have you been in in. general pushing him to do better, get a.

better job? >> Few months. Like since last year. >> since last year. >> And oh, last year hasn't been months. We're in August. And what if he never does? What if he. never does? Then what? What are we going. to do? Is it you're working on getting a. new place? But no, you're not. You guys. don't make anything. Barely. >> I mean, we can just I don't know. >> And let's be honest. I mean, I've. listened to this conversation. Answer. this honestly. In this household, are. there anger issues? >> Yes, both of us.

>> I mean, I'm bipolar. He wants Yeah, like. I said at the beginning, he's like, "Yeah, I'm very chill, very levelheaded, blah blah blah blah.". >> But he's definitely not. He. like I have videos, like screenshots of. like our conversations. like that. Yeah, >> it's pretty bad. Yeah. With me. >> Show me. >> like back and forth. >> Show me. Show me screenshots. Shit's. crazy. It's like you're preparing to. cancel them or something. >> It's just for like if we have a.

conversation and I could say like you're. doing this again. He doesn't really know. I have these screenshots though. >> Okay, this is like this is like a 5. minute long video. >> Oh. Oh my. Okay, ladies and gentlemen, let's get into it. I'm going to read it. >> and then let's get this video puted on. screen. Okay. So, it must start on this. Friday thing. Okay. This is from you. You're blue. >> I'm. >> Okay. >> Yeah. >> She says, "All I was doing was trying to.

vent and get things off my chest so they. don't linger, but I get told to chill. out. I've told you before that makes me. so mad when people tell me to chill out. or calm down. Always does for women.". And then he says, "Okay, you're talk. you're taking what I said completely the. opposite direction. What I was trying to. say before you walked out the door was. you need to calm down so you can breathe. and not stress anymore, but you wouldn't. let me finished. He said, she says, "So.

much better way to have word of that. instead of telling me to chill out. All. I wanted to do was vent about the. situation." Okay. So far, this is like a. normal manwoman conversation, but we'll. see how it goes. He says, "Chill out. Never came out of my mouth." Okay. By. the way, why why' you even Why did you. take a screen recording of this. [clears throat] conversation? Like. that's a kind of like a crazy. move. Unless there's like something. legal in here. >> Well, I mean it was it was so bad. Like. it ended up turning into another day. where I was.

>> Why is the screen recording? >> Because I wanted to show my friend like. >> your friend. Yes. >> Oh, that's your private relationship. >> It was honestly like the first time and. I was like on the verge. >> Let's see. You said oh yes it did. That's what made me mad. you need to. chill out is exactly what you said. He. says, "No, honey, it wasn't." Okay, but. okay. You say, "Yes, it was." He says, "I know what I said." You say, "That's. why I walked out because I hate that. I know what I heard." He says, "Why do you always have to I hate that?".

What? Why do you always have the fig. gut? I hate that. What? I over it. I Oh, he goes back to. lowercase. I know what I said. Can we please have a peaceful weekend? He says, you say, trying to once again. tell you how the I'm feeling and how. what you said made me feel, but shut it. down again. He says, you coming out? You. say I'll. >> I'm done.

>> Put that back on, piece of. >> Piece of. >> Oh, I put it on. Call done. And you say, I'll just get my meds. tomorrow. Or uh I'll just get my meds. tomorrow. Well, it doesn't sound like a. good idea. >> Okay, take off real quick. >> Is this everything you need? >> Uh, yes. >> Including cooking equipment and. everything. >> Oh I thought you said a kitchen. >> We have a kitchen, but not with a stove. or anything. So, you need to say what. you need. >> I did it without. >> We'll do hot plates and stuff.

>> Well, I didn't I didn't know that. I did. it so I could just make it as simple as. possible. Like, still good. Still set. >> Okay. Just tell us everything you need. >> I got you. I got a grocery list here. And any. >> You need nothing else. >> Do you have a whisk? Do you have mixing. bowls? I would put those on. Okay. Back. on. Back on. Okay. He says, "And now, and I know what I said cuz I know that. phrase makes you mad. Why would I. purposely do it to set you the off? That's the last gosh diddly darn thing I. want to do. Trust me. Cuz it's.

when you get like this and push me into. a corner. You push him into a corner.". Or is he just saying that verbally? I I. guess I do. I don't try to on purpose, but. >> uh you said not what I heard. He says, "Well, I know what I said and it wasn't. calm down. I literally tiptoe around. with what I say so I don't set you off.". And it wasn't. Chill out. I live in a. constant fear of making you mad. So, I. choose my words carefully for the most. part, especially after us just getting.

over an argument like we had the other. day. I've been on my P's and Q's about. everything. Okay. So far, I'm relatively. neutral, slightly leaning towards him. so far. Does something get bad in here? >> Yes. >> Okay. Okay. Because it is a very long. video, I will say. Uh but let's uh. continue. If you live in so much fear, why deal with me? You say he says, "Cuz. the good times outweigh the bad." Well, that's what he said on the show. But the. bad times are terrible. So the good. times are no are but the good so so the. good times are damn good. You say, "I've.

told you from the beginning how I am. You're the one that ignored it." He. says, "But that fear still remains." You. say, "Yeah, I got pissed off, but I'm. not going to threaten to leave." I get. pissed off. I talk about it. Then after. a while, I calm down. He says, "Yeah, I. can't handle the stress you put me under. when you get mad at the world. I. literally want to die in a hole." I'm. going to have you fast forward. >> Mhm. >> to where the bad stuff is then. Cuz so. far,

you know, normal argument, not something. I record to show people. My goodness. I. don't tell I don't tell people. I don't. I don't tell people that I'm friends. with or anything like what I me fight. about. What the is wrong with you? Also, you guys are just like a year in like my. gosh, [clears throat] this is such. berating, such chaos. You guys have. trust issues, too. Why? >> Cuz we both have been in really, really. toxic relationships in our past. >> Like this one, I would say. Uh, okay.

Well, what do you do with the lack of. trust? He goes my phone. I go through. his phone. >> And what do you think you're going to. find in each other's phones? That's. crazy. >> I hope I don't find anything. But. >> why do you have to go through it? Why do. you feel like you have to go through it, though? >> Cuz that's how I found out last time. >> If you or your child spent years growing. up on social media and experienced. serious mental health struggles, you. should hear this. Recently, a jury. ordered Meta and YouTube to pay millions.

for their role in designing and. promoting addictive platforms. They knew. their apps could contribute to anxiety, depression, and body image issues, but. did not share those risks while. prioritizing profits. The recent. historic verdict underscores the. consequences of those decisions. Now, Morgan and Morgan is stepping up to hold. these platforms accountable for the harm. they caused. Click the link in my bio to. take a short quiz. you may be entitled. to a potential recovery of over $1,000. Ladies and gentlemen, I got something.

new to help you that we have personally. built right here on caleb.com. We have new Caleb Hammer financial. resources. They are the ones I would. personally use, which is why we made. them for you to use. As you've already. heard me talk about, personal loans are. okay when you're good at debt. I. personally use them when I can leverage. them for a situation. So, we have good. personal loans on caleb.com. We also. have auto insurance now. You can check. for free and see if you can save a. ton of money on auto insurance.

Remember, none of this actually matters. if you continue the same bad behavior. So, it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal. loans to car insurance to see if you can. save a ton of money across the. board. Go to kalehammer.com or the Caleb. Hammer Financial Resources part of the. pin comment or description below and. save a ton of money. Found out. what? >> With my ex. >> Found out what? >> That he was cheating on me. >> Oh my. And him? Why does he feel like he. has to go through your phone?

>> Same reason. >> How often do you go through each other's. phones? >> I really hardly don't. But then there. was this other time he like snatched it. out of my hand and so I kind of got. suspicious there too. >> What the are you guys, man? This makes. no sense to me. Okay, so cheating. Okay, well we've had it on the show. Is he. allowed to be friends with other women. on social media? Is he allowed to follow. other women on social media? >> It depends. >> on.

>> like does [snorts] he know them like. personally? Like. >> and if he does. >> if he does that's fine. >> You're okay with him knowing women. personally? >> Yeah, of course. >> And if he doesn't know them, he's not. allowed to. >> like what's the point? >> Follow a celebrity or something? I don't. know. Podcast. >> That's if he's never going to meet them. That's. >> How do you know? Why don't. Why Why am I being told you forced him. to go down from 2,000 followers to 120, though? Following. He was following. 2,000 people and you brought him down to. 120. It's a little different than what. you're saying. >> Cuz they were random. He literally told.

me those are random ads that I added. whenever I was single. Why are you. adding a,000 girls in? >> Why make them like archive? >> I didn't really make him. He offered. >> eventually. >> All right. Well, let's get into the. finances. Uh, what do you guys think. your combined household financial score. is? Zero being the absolute worst, 10. being the absolute best. >> Combined? >> Yeah, that's cuz we are going into a. marriage. >> That is true. >> We live together and. >> yes, >> we have kids. >> I would say a three. >> One.

>> Where's the disagreement? Why the. disagreement? >> I don't think it's that bad cuz we do. blow our money on dumb I mean, well, I guess that makes it one. >> You live with your parents. You can't. get your kids to their own place. Right. If you want your hammer financial. score, take it for free at kale. hammer.com. It's been reassessed, remade. It's now much more detailed. See. where you stand in each category, what. you need to do to do better. Check it. out. It is free at kale.com. And if you. don't want to end up like a guest who. ends up on the show, make sure you. download the dollar wise budgeting app. The budgeting app we made for the. average American instead of that over.

complicated that you try once, it's too much. It doesn't actually help. you, and then you never use it after a. week. So check it out. Get a free trial. at dollar.com. Most people take the. annual version after the trial because. it saves nearly 50% on your money and. you get my detailed 30-day meal plan. signed by me, mailed directly to you. physically and then the digital version. of the cookbook as well. So check that. out. It's a good time, guys. Link in the. descriptions below. Calpamar.com, all. that good stuff. So, okay. What am I. looking at? Oh, pass. Where are we?

Past. This is like Clara or a firm. One. of those. Which one is it? Clara. You're. Clara. But you so you want to run a. business, but you can't even do this. You can't even pay your car on time. How. are you going to manage food costs? How. are you going to manage utilities, the. rent of the lot, paying for the loan. that you inevitably get for the. equipment and for the truck? How are you. going to pay for that if you can't. even pay a minimum monthly PAYMENT ON A. CORNER? THAT'S why I'm here. Oh, off. Give me a better answer than that. That's why you're here. You tell me how.

you tell me how the you think you can. run a whole business, but you can't do. this That's why I'm here. Shut up. >> I got to lock in and grow up. >> The answer is that. >> get a better job. >> It's not even just that. No, are you. misunderstanding my question? How do you. think you're able to run a full full-on. business when you can't even make a. small $31.99 payment? >> I was on hard times. So that's why I did. that stuff. >> Are you still because pay the now then?

>> I was just going to let it go to. collections. >> Why? I don't make enough to pay it. >> You're going to need to borrow money to. open this business. You don't want to. your credit. What are you talking about? Go to collections. You're preventing. this whole business. No one's going to. give you money. You're going to have to. go to bank, small business loan. You're. going to have to do something like that. What the What are you talking about? >> I mean, I got stuff I got sell on. Facebook Marketplace. I I've. >> Good. Do that. Pay this off. >> Well, I got an idea. I've probably not told you this, so.

I'm going to tell you anyway. Okay. Anyway, so I do have some stuff like. some TVs and some home decor stuff. I do. have a storage unit and stuff. >> Um I I worked at a resort and. >> worked or work. >> worked. I actually do work. U anyway. Um. so I worked at the resort and I was a. inventory specialist and I would go make. sure these rooms had what they needed in. their room. Okay. Um.

>> I don't like where this is going. I had. access to their storage facilities. >> Oh my goodness. >> Um, one day I noticed that they had no. cameras in there or even around there or. even leading down to my car. So, they. were about to remodel one of the towers. at the resort and they had probably 100. something 48 in TVs. >> Oh my dude. >> Um, so it was a very slow day. I. actually So I actually had have somebody. there with me to open it up. I didn't. have a key for the storage unit, but I. did notice that there was a big space in.

the door, so I got a butter knife, popped it right open, went in there, took the TVs out of the box, left the. boxes, kind of put them back where they. went messed with. I loaded them into a. big linen cart, rolled about three TVs. down to my trunk of my car, put them in. the trunk of the car. I did this for. like a week or two weeks. >> What? How? Yeah. What the? You're a. father. You want to marry a criminal. like that piece of How many kids. did you take? That's crazy. How do your. morals even allow you to do that? That's. insane. >> I mean, I was desperate. Like, I needed.

money. >> Then work more. Be a productive member. of society. What do you mean you start. thieving? So, it's okay when people. steal from a grocery store. It's okay. when they steal from CVS. What are you. talking about? >> They had money. They They could They. could replace them. >> I have money. It's okay to steal from. me. >> I wouldn't do that. >> Why' you steal from? >> That's not the point. >> I don't know. [clears throat] Well, just. a lapse of judgment, I guess. >> No, you were doing it continuously for a. week. That's not a lapse of judgment one.

little time. We all had a little lapse. of judgment, huh? >> Only took like between 12 to 15, not 20. But. >> why haven't you sold them? How long have. you had them? >> Well, I sold some. >> Why were you able to get for them? >> Well, they're hospitality TVs, so. they're I had to go in with a remote. with a secret menu and unlock them. >> I'm pretty techsavvy. >> But you did that. >> Yes, I did. >> So, you're good. Yes. >> How much did you sell? How many for? Um, I sold a majority of them. So, I would. say over 10. Um, 12ish. Um,

because they were Samsung. They're very. nice TVs. They probably could have went. for more, but I was just trying to get. money quick. Um, I. >> So, why what were you using the money. for? >> Pay my bills. >> No, this sounds like a diction thing. >> I don't do it no more. >> What did you do? >> What do you Oh, I was the. resort like inventory. >> No, it sound You sound like something. that steal something to get mad. I'm. clearly my own myth. >> Okay. How? Okay. But so you were not addicted. to something. It was purely for bills.

>> Yeah. I was just desperate. Honestly, >> work more. I'm so confused. Especially. for the money that you got from these. TVs. It was like $1,200. [sighs and gasps] You could have just. worked more. I'm so confused. >> Well, >> this wasn't like the most insane. life-changing money. >> I do have to complain about something. else, too. >> Oh, well, that wasn't clean enough. Okay. Yes. So, >> when I first ma met her and matched with. her on Facebook dating, >> of course, >> I really I don't know. I fell head over. heels uh infatuated almost instantly. Right. So, I was wanting to sell them. I.

sold them and I used some of that money. honestly to buy her some gifts when we. first got together. >> But you said you're desperate to pay. your bills. That doesn't sound desperate. to pay. >> I mean, I mean, I made some money from. it. So, I had some extra and I wanted to. spoil her a little bit. But like I didn't ask for him, you know, and especially with like that type of. money cuz like you made it seem that you. had money like that you were on top of. everything because you would say, "Oh, I.

have this coming up. I have this bill. coming up. I'll just pay it with this.". Um, >> are you a thief? >> Oh, >> she stole my. >> You're okay with the gifts he has given. you being from thieving? I mean, [clears throat] no, but I didn't know. they were from thieving. >> This seems like an underreaction to me. What gifts does she have? Are they still. cherished? What? Like, what is it? >> Yeah, I have like some rings that he. gave me. I'm actually wearing an anklet. he got me. >> Yeah, but from but from the selling of. the TVs, though. >> Yeah. >> Yeah, that was really stupid.

>> No. Which one? Oh, you guys suck so bad. What gifts are from the selling of the. TVs? >> That I don't know. >> Um, the rings. Um, you know how you. ended up breaking your um. daughter and son. >> Yeah. >> birthstone ring? >> Yeah, it was cheap. >> Well, I bought you that new one with the. TV money for your Yeah. >> Congratulations. That is stolen money. >> CLA. Who has a CLA in collections? >> That's me. >> Why is it in collections?

>> I just don't want to pay it. >> It was $120. Why not? This is going to your credit, which makes it you get more predatory. debt. You want a car? How are you going. to get a car loan? Good the You. going to open a business? No. You apply. for an apartment? No. It's so easy to. clean up $120. BOOM. YOU DON'T EVEN MAKE. MONEY, but you can pay that. >> I. >> What? >> I don't know. I don't This is just too much for me. >> This is too much for you?

>> Yeah. >> Oh, she's starting to touch you. Oh, he's stressing out too much. Talk to. $120. You're going to literally enable. him for getting stressed at $120. It's. just a lot. >> Um I mean I know he has a lot. >> Is actually not a lot. That's what I'm. trying to say is you could just pay it. off. >> overall. It's a lot. So like. >> Well, yeah, but we haven't even gotten. into anything. >> What are YOU DOING? OKAY. DO NOT OPEN A. BUSINESS. You can't handle $120. You. will not be able to handle the stress of. running a business. >> That's why I got you. I have this. >> No, I will never discuss anything with.

you ever after we are done filming. >> You do not have me. In fact, >> please. Jesus Christ. >> What? >> Yeah, he's acting weird, right? >> Yeah. >> Okay. >> Not that weird. >> I like Okay. You have an additional. Clara of $149. >> Okay. >> Okay. Afterpay. Your Afterpay. >> Yep. >> I mean, you just have to I mean, you. kind of take some, you put some towards. it. That's kind of how it goes. But it's.

from Nicholas Charles Fragrances. >> and 1800 Contacts. I mean, that's fine. to get contacts, but it's like. fragrances, fragrances, fragrances. >> He loves cologne. >> I love cologne. Designer cologne. >> Congratulations. Pay to get a roof over. your kid's head. Like, what? I think. that's more important. You have child. support. >> Yes. >> Okay. >> I'll pay that. I'll pay that. >> Yeah, that's good. But for the rest of. it in supporting your children, get a. roof over their head instead of. financing expensive cologne. What the.

are you doing, man? Like, >> I have a roof right now. Her parents are. helping us. Yeah, but that's not you. doing it. They don't have a roof over. This is how they're going to look at. their parents. This is And it's. pathetic. You both are pathetic the way. you are raising your kids. And I hope. you know that. >> they love us. At least. >> they're being raised right. >> Huh? How? You're living in the basement. of your parents. >> and they're happy. >> You don't know that. You can't speak for. them. They don't have their own space, not have a place to bring their uh. friends over. They bring them over.

>> and they're not embarrassed. They will. be and they're pretty young right now. >> Yeah. So we. >> 12year-old doesn't live there. So it's. 385. >> Yeah. We got time to make it happen. >> Okay. Well, yeah. Again, not putting. prioritizing cologne over that anyway. Regardless if you're satisfied there and. you're never going to get another place. at this point. I. >> mean, I feel like she's out of my league. anyway. So, I just want to for one give. her a lot of gifts. Smell good. out of. your league,

>> dude. She's a 10. Look at her. I'm not sharing, but she she is some. fine. >> What the are you on about? >> What do you mean? She's gorgeous. >> You guys are looks matched. >> That's what I say all the time. >> Wait, what? >> Yeah, >> your looks matched. >> Yeah, we're on the same level. >> No, no, no, no, no. >> Okay, I don't know what you think about. yourself, but what the Okay, what is. this? That is Let's What is that? Can I see.

it? Oh, yes. That is So, I found a new app. that's kind of like Afterpay and CLA. It's called four. >> And. >> And what are you utilizing it for? >> I bought a JBL Bluetooth speaker that. was. >> Why? >> That's how much it cost. >> I didn't tell you. >> No, >> we discussed finances, do you not? >> We use it a lot. >> Yeah. Okay. We use it a lot, but like we.

I'll talk to him about stuff I. purchased. I'll be like, "Hey, giving. you a heads up." Um, but then he will. just buy it and not tell me until after. it's here. And he'll be like, "Oh, it. wasn't much. Um, I it. >> Why do you need mommy it? You already do. it before to me. >> That's why I just bought it. >> I can't open this. >> I got you.". >> Okay. Well, you don't make much money. You spent a third of your paycheck.

>> That's why I do it on payment plans. >> That doesn't mean you can afford it. Like I'm confused on. >> a nice speaker. >> I have a spending limit on that. Like. this is literally just a blacked out. statement. I don't know what the am. I looking at. >> That is my spending limit right now on. the four app. I got a lot to work with. >> Okay. Yeah. You owe 5122 and that's your. next payment and then it's paid off. But. um Okay. Uh 75 cents in this CLA. It's nothing. >> Oh, I see.

>> Okay. What am I looking at here? >> It's all him. >> That might be my bank account. My. checking account. >> No, there's remaining payments in. >> Let me see if you don't mind. Thank you. This must This is topped up. I don't. know. debt purchasing power like Dave saying. >> um. there's something else you don't know. about. >> how many how many things she doesn't. know about. Okay. He hides everything.

from you. No You guys have trust. issues. >> So what the. >> All those are from. one of my other jobs I had. Um you could. payroll deduct stuff and it comes out of. your paycheck over time. Um you know. that trip we went down to Tennessee to. see my daughter. Um, and I got the one. night stay at the NAS resort. >> Yes. >> Uh, it was $900 for the night. >> Um, you know, the window air conditioner. that I put in your room that's on. >> the one that you said what you just had. in your storage? >> Yeah.

>> Was what? >> It It was new. But I It was I said I. told you it was used, but it wasn't. used. I bought it brand new cuz I. >> Why do you Why do you have to lie about. things like that? That doesn't even. matter. Why not just tell her? Like what. the are we What are we talking. about? Why do you have to just lie? >> That's what I'm saying. and he he buys. it and then he tells me about it, >> which even still like. >> doesn't tell me how much it is. >> Like that's bad, but you make it worse. by literally just lying about what you. purchased afterward and how much it was. Why do you do that? >> We needed the She needed it.

>> No one's arguing against that. Why do. you lie? >> I don't. >> You don't. Yes, you did. You just did. You admitted it. Why' you lie? >> I guess she's going to judge me for it. or think I'm broke cuz I. >> think you're broke. You guys are. together. Wouldn't you? You guys are. broke together. >> This is towards the beginning of about 8. months ago. But. >> you know that laptop that I said I won. at a raffle at work. >> That was on that too. And you asked me what was funny about. it. You asked me. He's like, "Is this.

another payroll deducting?" No. >> What is going through your head right. now? This man literally lies about. everything. This is actually kind of. blowing my mind. >> Like what else are you lying about? Like. what? >> Honestly, good question. Would you even. admit it? I don't know. >> Probably not. >> That's all. I mean, I just. >> How do you feel? What's going through. your head? >> Just like confused, I guess. Cuz I I'm. the one that's like, "If you tell me. upfront, I'll I might be mad at it, but. if you lie to me about it, I'm mad about. the first thing, and now I'm mad about.

the lying.". >> So now I'm mad at two things instead of. just the one. All right. >> She'll eventually get over it. How could. she ever trust you again? It's just. monetary things. Not. >> sure doesn't. She already told me she. goes through your phone and you go. through hers. >> It's not like I'm cheating on her. >> Maybe. I don't know. You You're very good at hiding things. clearly. >> We got nice stuff. What can I say? In a. basement at a parent's house. >> Yes, exactly. That's. >> er Pay Plus.

>> So, that's another one that's kind of. like Dave. >> So, are you doing every paying for every. pay advance? every thing that any can do. that has access to online. >> Well, these businesses don't need to be. open and do that to enable people. So, >> you're trying to open your own business. >> food and that is different. >> What's your monthly payment on this or. is it just paying it down so you can use. it? Is that how it works? >> How I got it was um I linked it to my. one of my old bank accounts and you make.

the first payment for it. It was a. motorized scooter cuz I'm like, "Hey, I. don't have a car. Let's get a motorized. scooter.". >> Does he use it everywhere? >> No. Oh, he sold it. you. >> I made one payment and I sold it for 300. bucks. >> And then you still owe on this for. $8327. >> They haven't knocked on my door yet. >> Uh, you missed a scheduled payment. >> A bunch. >> So, they will Oh, so it's suspended, so. it's probably in collections. >> Me, man. What a joke. What a pathetic. waste of space. >> It's not that bad. >> Okay, great. Yeah, you want to be with. that. Good luck.

>> She does. >> Yeah. Yeah, I feel like she's the one. that wants to be here to change and. you're just a pathetic waste of space. that she is bringing along with her for. no reason. >> I'm not that. >> More collections first premiere. Why is. it in collections? Piece of. >> Uh it's a credit card I had have. >> Yes. Why is it in collections was. actually the question if you remember. >> Um I was using it to buy her more gifts. Um I was using it to pay bills, groceries. Um. >> 22 on a $400 limit. Yeah. >> And to pay the try to pay the Daveish. kind of thing app things. So, do you.

like. take loans out to pay for other things? Is that how that works? >> Sometimes. >> Okay. >> Which I mean, again, I am not an. anti-debt person. You can be smart with. that. Debt can even be a tool to pay off. debt. We have personal loans on. Caleb.com. I have very good rates. We. have uh car insurance on Caleb.com. I. have lots of financial services now. there. Uh but either way, the thing is. I'm not anti that. It doesn't make sense. to do if you one can't afford like if. you're I I pay in for sometimes but I.

can afford the payment. It makes sense. You don't pay in for if you can't even. afford the initial purchase price and. we're not transferring credit cards and. paying off debt with that if you can't. pay off debt cuz then you end up in debt. even more. >> It's just hard, man. >> Oh, it's hard. Hey, it's hard. It's. hard. Sounds like you never get a roof. over your head that isn't in your. parents house. It's hard. Dude shut down. at $120. He's a broken individual. Why. are you betting your life on him? $125. in synchrony going to collections. >> I treat her good.

>> Huh? >> I treat her good. >> It would be well, but I mean, does he. >> is this treating you well? Bringing you. into this and not telling you, hey, you. sh you shook your head. Yes. That he. treats you well. We learned about three. individual lies so far in the last like. 10 minutes. He treats you well. That's. treating you well. That's what a partner. does to treat them well. Sounds like. you're going to be treated well. >> Huh. >> He'll do things for me. >> Yeah. like lie. >> Yeah, >> it's not that bad. >> You ready to be treated well for the. rest of your life? That's going to be. fantastic.

>> I'll stop lying. It's fine. >> Why the do you stay with him? >> I see his potential. >> What? You're not You're not a fix a man. kind of person. What potential? How are. you fixing his potential? What. potential? >> He's a good guy. Like, he's a good. father. No way. >> He's a good father. >> A good guy is a classic guy that we. screen record messages when he's. crashing out on you. And she found the. screenshots when we paused. By the way, we'll go through them in the post show. because there's a lot of finances to go. through here. Does he? He doesn't even. know. That's right. He doesn't even.

know. >> You did what? >> Oh my. You guys suck at being partners. That's why maybe we're not engaged 8. months in. Huh? >> We're meant to be together. [laughter]. >> Uh-huh. Yeah. Says the people that are. bringing two kids into the relationship. each. I already launched Liquid Assets, my. official Gamers Sub's flavor, Raspberry. apple, and it's been selling like crazy. Here's the update. The free gift. stacking promo from Christmas in July. has officially sold out. But the flavor. hasn't. Zero sugar, under one calorie,

100 servings of tub, same neutropic. blend, same full vitamin stack, still. just four scoops a day max. Code Caleb. still gets you 10% off your entire. order. And there's still a shot. One out. of every 10 that your tub comes with my. face on it. All you need to do is head. to gamersubs.gg/caleb. or click the link in the description. below. I just launched the brand new Hammer. [music] Elite app available on every. major platform, so you can watch every. show anywhere you want. You'll get three.

exclusive dedicated [music] shows every. single day, Monday through Saturday. Refer a friend after you sign up, and. you get an additional 30 days of Hammer. Elite access for free. Download the. Hammer Elite app by using the link in. the description or [music] pin comment. down below. This is the best membership. you'll ever join. And that's a promise. >> Yeah, I'm sure you've thought that a few. times. Hey, other collections. Who would. have thought? Capital One. You suck. >> That's me. >> Yes. >> Yeah, that's funny. >> You have kids. 384.

>> Oh, here's more. Jeez. Okay. Collections. [snorts] $1,346. Oh, if it's not collections, $822. Oh, if it's not collections. $965. Who would have thought it's collections? Yeah, you're never getting money to get. a car, to borrow business, to get a food. truck, to get equipment. You're Oh, if. it isn't collections.

Shocker. Blows my mind. $711. This dude could be paying off debt and. improving his credit score in about 5. seconds, but he's choosing not to. I finally have an account of yours. May you tell me what I'm looking at. >> Some of you people [laughter]. >> I can't see. I have to wear contacts and. glasses. >> Well, now that it's closer, you seem to.

not know what it is either. >> I mean, some some of these are payments. That's your car payments. >> That's like car payments. >> That's your car payments. What's the. account? I'm looking at you. >> My car account. The loan. >> Yeah, it's the loan. It's very dark. >> It's an It's an automatic. >> It's at 8.25%. What's the car? >> It's a Hyundai Elantre 2019. >> When did you get this? >> 2021. >> It's a bad interest rate, lady. >> Oh, it's not even worse. It started at.

like 11. >> 300. Cory, that's your refinance. It's. $340 twocent payment. All right. Balance currently started. $12,000. It's at $9,23. and 8. >> Okay. What do you think it's worth? >> Nothing. >> I went I went on Carvana and they said. it was worth like 12,000. >> Yeah. No, it's five. Carvana, you don't. get a value of Carvana. No, that's the. KPB. >> What are you on about? What you Okay.

>> We need to sell it. We need a million. We need to sell it like bad. I had a a. minivan for a while. But. >> I mean, you can't sell. Why do you need. to sell it? >> So we can get a minivan. >> So we can carry like all our kids around. at once. >> Oh my. Why' you get this car? >> Cuz it was before. No, we weren't. together. It was before. >> You can't get a mini. You can't sell. this. There's no selling this. >> You want to buy it? >> He's annoying. He's an annoying. individual. Trying to have a real. conversation here. >> It's not that bad. Are you just like.

repeating phrases? >> No. >> You said it's not that bad about. approximately four times when there's. like just air and you don't know what to. say. >> So you it's it's worth about half what. you owe. >> Okay. >> Where's the selling? I mean, I guess you. could sell it, borrow 4,000, pay it off, and then pay off the four, but then. you're going to borrow for a minivan. Maybe she is. I don't know what I mean, this is her first that I'm looking at. You wouldn't be able to you you being a.

co-signer would drag it down. You can't. get a minivan. >> Her parents would sound for her. >> Oh my gosh. You're 30 and 35. You're 30. and 35. That is pathetic. Grow up. You. will never learn anything cuz mommy and. daddy will be there to bail you out at. every turn. You never have to improve. your life. >> They're resources and we're using them. Not her. >> resources. That's incredible. I hope. they see this. There's a little slip. right there. Your parents are resources. >> I didn't mean it like that. You said it. and yes you did. Your brain certainly. thinks so. You guys are 30 and 35 even.

though you look like you're in your 50s. You guys are going to be cooked forever. cuz you will never learn anything. >> Feeling like my parents pretty good so. far. >> I didn't mean to call them resources. It. was just resources are available and. we're going to use them when we can. >> I can get it alone. Probably another. one. >> It's a good idea. >> What price minivan are you going to get? I was hoping for like I don't know, buy. one with cash or something. Sell the.

car, whatever. >> Hey, what was my question? >> You people are so broken. What priced. minivan are you going to get? >> Whatever I can afford. >> Oh my goodness. What price are you. considering? >> Under,200. >> Under 1,200, >> maybe. >> You're cooked. I don't know what you. think the car market is like. I was thinking 10 at a minimum 10,000y.

cuz you want a you want one that you're. not pumping hundreds if not thousands of. dollars into to repair. This isn't Dave. Ramsey. We live in reality over here. You ain't getting a car for under 10. that's going to be halfway decent. >> I don't know what to do. >> Yes, I know. Thank you for your. contribution to this conversation. >> You're welcome. 1,200? What are you on. about? >> I don't know how much cars are worth. >> Then why is this even in your plan? How. are you planning about something you. know nothing about? >> How are we going to take trips to go get.

my daughter and stuff with all the kids? We have to have a minivan. There's. >> Yeah, we have to have argue against. that. Did you hear me argue against. that? >> I'm arguing with the pricing thing. You. guys are broken. You guys cannot have. conversations. No wonder you guys fight. all the time. You can't even listen to. me. You're both unable to listen to me. at the same time. Like you both heard. the same thing. That is something. different than what I said. It's. actually impressive. >> You talk very fast to be fair. >> Fast for Kentucky. >> I mean, it's not that bad. Michigan.

>> That's where you're from, right? >> Yes. >> Okay. It's just as bad. >> Very good. >> It's just as bad. >> as Kentucky. >> Yeah. >> KY is not that bad. >> Yeah. >> I have your checking account. You have. $102 in it. You're pathetic. >> You're a father. Because there's for. bills. >> Shut the up. >> What do you mean? >> Those bills, by the way, are an Apple. subscription of some kind. Even though. he works there. Another Apple bill, Microsoft Store, an Apple bill.

>> Apple pays probably. >> Dairy Queen. Dairy Queen. A Steam. purchase of $42. THEY'RE JUST BILLS. THEY'RE BILLS, CALEB. They're just. bills. He went into the gas station, got. some. >> Energy. >> Yeah. You get gamer subs. Here's the. flavor. I would actually get liquid. assets. We don't have any extra to give. cuz they bought them all cuz it's so. delicious. We'll get them eventually. Liquid assets or gamers. Get get free. samples. Link in the description below. You can only get free samples with my.

code Caleb. And then you can get it 10%. off when you figure out the flavor you. like. It's 40 cents a serving. Make your. energy drink at home. That's what you. got to do. You're not stopping and. getting those $8 drink. That's crazy. You're insane, dude. >> I'm addicted. >> Prem seat. American Airlines. American. Airlines and got some energy drinks. Again, you double fist, don't you? You. walk out with two. >> two energy drinks. >> Yeah. >> Yeah. They're like three or something. >> Two for like 650. Why would you not? >> Well, cuz that's 40 cents a serving. >> I mean, I I agree with you there. But. but. >> I mean, they don't know. It was mad.

>> It even tastes good. So, >> it does. That's why they all get it. >> Their opinion. >> Yes. Their opinion. >> Like I had. >> that it tastes good. >> Okay. >> Okay. But then I have another checking. account here. Machine gun Kelly. Come on. Sorest. concert I've ever been to in my life. >> My daughter. >> That was for his daughter. >> birthday. >> Your daughter cutting herself. [laughter]. >> She's an alt girl. >> Yeah, that shit's emo and horrible. >> What's wrong with me and emo? >> I'm cutting. >> I'm an elder emo. >> Not every emo. Not every emo cuts. themselves.

>> Uh, cats eye official. I don't know. Kroger. Apple bill. Apple bill. Apple. bill. >> And there it is. More energy drinks. Apple bill. Apple. What are these Apple. bills you're getting? Lots of Apple. Give me show me your subscriptions on. your phone. Hammerly. >> crazy. >> is one of them. >> Well, that one's worth it. >> Chill out. Um Chad, >> okay, pull it up and I'll get it. And. you pull up the screenshots, too. That. >> What screenshots? >> It's the It's the one that you said he. didn't know that you didn't know. >> What the do you mean? >> Well, it's okay. We'll get into it. I. want to see your thing.

>> What am I doing? >> Cuz your dynamic is You guys open this. so weird. I need to actually like as. we're closing the episode, I need to. start seeing some things. >> Gotcha. This is the start. I thought you were. going to show me what you you sent your. friend. >> This is Yeah, this is like her replies. back to me. I sent her. >> I just need the screenshots. >> Yeah, these are I sent her the whole. thing. She sent screenshots back of what. she thought was. >> bad. Alarming. >> Okay, then show me. >> Yes, right here.

>> Yeah, alarming of. >> alarming. >> GBT. Yeah, but hammer release expiring. >> Uh, I got to be on a budget. [clears throat]. pay for it for a laugh then for me. >> I think you do because you're a guest on. the show. Okay. Yeah, you have a lot of. subscriptions. Uh but this and clearly. at the beginning of the conversation, your guys' dynamic is weird. She. recorded your guys' text conversations. to send to her friend again as usual. without each other knowing cuz you guys. are crazy. But I'm going to look at it.

now and see how you guys actually. communicate. >> Will you read them to me cuz I don't. know what the this is. >> Yes, I will. You were saying I'm scared. I'm going to have a heart attack. You're saying, "I guess you were. fighting." And she says, "10 times. better way to say that." You say, "So, excuse the out of me for being worried.". She says, "Not letting me finish. bitching makes me more stressed." Now I. know. You say, "I okay." He says, "Okay, why shake your head?" She says, "You.

want me to talk? What am I supposed to. say to that?". >> And you send this to who? >> Just to your friend. >> That'sed up. That is like our personal. >> I needed like another opinion. >> Privacy feels so violated by you doing. that. >> I needed another opinion on it because I. >> That's between us though. I don't. >> Can I get a minute? I I really cannot. take this. Okay. >> Right now. >> Yeah, take a minute. >> This is She should not be. >> Okay. You want to step outside real. quick? Can we let him outside? >> Yeah. This is stupid.

>> The. I mean I agree that is privacy. If dude. if my girl was sending like screenshots. that is pretty crazy. Like what is. wrong? And first of all I mean can we. acknowledge like what the There. was nothing bad in there. Like what are. you what are you freaking out about? >> IT GETS WORSE. >> WHERE DOES IT GET WORSE? SHOW ME. Cuz. there's literally nothing. I swear she's. teasing me for like an hour. Do you just edge men? Is that your. passion? Cuz uh there was nothing there. I'll be honest. I understand. Yeah. His.

privacy feels violated and you guys have. weird TRUST ISSUES. BUT SHOW ME WHAT IS. BAD. CUZ SO FAR YOU'RE JUST BEING a. normal woman these days where the most. normal thing is considered a nuclear. attack. WHERE'S THE BAD THING. [snorts]. >> Here's this part. >> So something I could Is this a. screenshot? >> Yeah. >> Okay. He says could throw a hole in every. wall. He texted I is he punching walls? No.

>> What the. >> Why do you think you're a victim? What. the is wrong with you sending this to. your friends? You say, "Awesome." And he. says, "Because no matter what I do, I. set you off." And I think that's true. HE'S RIGHT. NO MATTER WHAT THE HE DOES, YOU'RE CRASHING THE OUT. I breathe. I. make you mad. He says, "Yes." And you. agree with it. YOU SAY, "BECAUSE I. BECAUSE he doesn't listen." He says,

"Always my fault." You say, "I will.". >> I'm glad you covered your own text. I. was her. >> I will something something you how to. handle me. And you just ignore it. He. says, "How do I handle you?" Let you. vent. I was letting you vent and I had. to pee. You got mad. I said, "Please. calm down before you get sick." You got. mad. I'm about to lose my mind. I'm. literally so close to a psychotic break. >> And you circled that. >> Cheated. Yeah, cuz you are pushing him.

to a psychotic break. >> How is he being overdramatic? >> Huh? No. Do you see? It's impossible to. communicate with you. >> Like this all started because I was in. the bathroom sick as a dog throwing up. and he was getting mad that I was even. up there and he kept yelling at well. like. >> I haven't seen anything in the text that. is like you. He's like it sounds like he. went up to pee. you got upset in this. conversation. and he's very upset that literally he. can't exist around the house without you.

freaking out. and that's fair IF IT IF SOMEONE MAN OR. WOMAN DOESN'T MATTER just has to tiptoe. around their entire house and it's not a. safe place to be. >> so do I he he was literally accusing. you're not saying that. >> he was accusing me of cheating while I. was sick he was so upset that I couldn't. be down there with him cuz he needed me. >> well that's crazy but that's not in. here. Do you have something real to show. me? Cuz so far you are looking like kind. of someone who just goes crazy by.

screenshotting a dude being upset. He. was upset. He didn't punch holes in the. wall. He said, "I feel like I could.". THAT WAS IT. THAT WAS IT. IT WASN'T EVEN. A THREAT. You're just spending money on. Tim Hortons, Sheen, Tim Hortons, Amazon. You have like a couple hundred. bucks in your checking account. You go. to Tim Hortons. Take a check Applebees. Tim Hortons. You spend more money than. him on Tim Hortons restaurant. You're going out to eat.

all the time. Uh, Buffalo. Wild wings. Tim Hortons. Apple. Tim Hortons. Well, you're the one. spending it, not him. Amazon. Tim. Horton. She I thought you were the one. at the authority to spend the money. Amazon. McDonald's. Dude, he had to take a breather because. his screenshots are getting sent to your. friends. And little does he know. nothing's even in them. Second check Tim. Horns Alta Yeah. Uh Trace. Hermonos.

more from her. And this is your savings. It went down. Your savings went down. So. we can't say we're saving up for the. wedding. It went down. >> Here's part of the sick messages. >> Huh? >> Sick messages. >> You finally found some. Show me. >> It's the the video thing again. >> Okay, I'll start here. >> Um, you said, "I don't feel good. I'm so. sick." He said, "Sorry, after being there for you all day, can't. do this for me. I need you." Well, yeah,

it's a bit weird. I mean, you were. saying you're sick. You said, "Babe, please don't do this to me." He said, "Whatever. Just so you know, I am not. happy with how we are right now." Fair. enough, cuz you guys are talking. I. don't need this from you. H I feel like. I should rewind and see what you were. saying. >> Go for it. >> You said, "Told you I would sleep with. you tonight unless you don't want me to. I'll go down when the bub goes up." When. bub goes up. The kid. Okay. And he said, "Yeah, you can sleep with me." You said, "Oh.". He said, "I need to finish drying the.

stuff." He said, "Okay." Or you said, "Okay." He said, "He needs to make the. bed." You said, "Okay. You want me to?". He said, "All right." Yeah. He said, "Are you sure?" He said, "Yeah." Uh, what do I do with the clothes in the. bed? You said, "Crap. Definitely threw. up. What do you want me to do?" He said, "I hope you're okay." You said, "I feel. like heel. I can't stop shaking." He. said, "Do we need to go back to the ER?". He's being very pleasant. He said, "You. say, I don't think so." He says, "Okay, baby." You says, "I don't know or I. don't know how long I'll be up here." He.

says, "What you doing?" question mark. Hello. You said, "Babe, I'm throwing my. guts up. I can't really text her now.". He said, "Okay." Said, "Babe." You said, "Babe, I don't really know if I can go. back down there. I can't stop." He says, "Please." Gez. Okay. Yeah, it's a bit. beggy. You said, "Please, baby. I feel. like I'm dying." He said, "We'll come up. there then." You said, "Nothing but. stomach acid is coming up. You can't. leave." Kid name. He says, "I'm bringing. him too. I cannot refuse." I cannot. refuse to go two nights without you. That's a bit weird. Yeah, definitely.

weird. And you said, "Don't disturb. him." And he says his mind thinks of. horrible things. Yeah, you guys have. issues, man. You said, "I'm so sick. What could I possibly be doing? He says, "I don't know anything." You said, "I'm. just throwing up my whole stomach." He. says, "If you don't want me to sleep. with me, just tell me." Okay. Yeah. Okay. He's acting weird here. For sure. He's not. hurting you, but he's being a freak. For. sure. You said, "Are you serious? I'm. throwing up." And he says, "Why can't. you get a bucket and sleep down here. with me?" Okay. Yeah. Again, it's it's. weird. It is very weird. You say because. it's awful. Okay, I get it. I get it.

Yeah. No, he's acting like a little. freak there for sure. But you sent that to your friend. Like. again, I thought maybe you made it sound. like he was you literally made it sound. like he was blowing up at you and. screaming at you in the text where that. he's just acted like a definitely a. freak for sure and selfish. Selfish, >> but he's not blowing up and yelling at. you. It's I I I don't know what to do. >> And 401k 14,000. Very behind for our. age. Where is he? Where is he? Can we.

get him? Hit him for the budget if he's. ready to come back. There he is. Okay. You feeling okay? Yeah. I mean, for what it's worth, the. text didn't really show you doing. anything. You were definitely selfish. with you. She was like throwing up one. day and you were acting a bit weird, but. she she made it sound like when you wore. your headphones on that, you were like. screaming at her and like, "No, it's not. like that." So, she's like trying to. victimize herself in a weird way. I. don't really understand. So, I mean, you're [clears throat] fine. Just You.

definitely acted very weird when she was. thrown up. What was up with that? I felt. like she was hiding something. >> That's weird and toxic of you. >> Well, >> get your together. >> I need therapy. >> You can't. Yes, objectively, both of you. do. You can't be together if you can't. trust someone. If you can't trust that. person. Do you have rent, dear parents? >> What a joke. What a pathetic joke. You. guys aren't paying off your you. >> utilities, internet? >> No. >> No. >> How How does the food situation work at. the household groceries? >> We get groceries. >> We get groceries for everyone.

>> No, they get groceries for. >> just for you guys. and halftime three. kids. Okay. You should be able to do 900. bucks a month. You're meal prepping. >> Nah. >> Yes. >> It. >> I don't care. You're meal prepping few. times a week. You're warming up. >> I can do that. >> You're using the cookbook in the meal. plan. It's not that difficult. Phone. bill. How much? >> Whose? Mine. >> His. [clears throat] I'm sorry. My phone is. through my dad. >> So4. And mine is $47 a month. >> Yeah. I would switch to healing. Need.

need to get your own line. 15 bucks a. line. Really? >> Very good. Yeah. Yeah. Good service. Gas. Vroom. Vroom. Drive. Drive. How. much? >> $80 a month. >> $800 a month. >> 82. >> Okay. 100. >> Uh I filled the Jeep up 20 bucks. That. last for like a month. Month and a half. >> 120. Car insurance. How much? >> Mine is 136. >> TP fund. How much? Okay. That's for you and the kids. anything else to survive $300. That's.

tampons. It's taking them to school. activities. All that good stuff goes up. and down, but 300. And then what is. covered in that 300 is different every. month. So medical healthcare, how much? Co-pays, medications, all that good. stuff. >> I have Medicaid. >> Um my co-pays range from 25 to 50. >> What's your child support? Is it taken. out from your pay? >> Uh no, I pay I cash her. Um, so it's 137. for um my daughter and then it's roughly. 200 a month for my son.

>> Yeah. Okay. And what did you say your. medical was total? >> Copies and everything. >> Um, we'll say 50. >> Any gym? >> We want you want to, but no. >> Okay. Gym 50 bucks. >> Uh, subscriptions. I'll put 50 bucks. You got any pets? >> Well, a cat. >> Casker. Yeah. >> Okay. 50 bucks. Pet insurance. How much. for cat food and litter? 60 bucks a. month. >> Anything else that needs to be in this. budget? >> What do you got so far? I'm sorry. >> The TP fund would be like for school. supplies and things for the kids. Okay.

Again, it changes what it goes to on a. monthly basis, but yes. >> It's the catchall for everything else. You make it more detailed than your. dollar wise budget, >> right? >> You guys have leftover money. $2,49124. >> Where does it go? >> Yeah. They're cuz she spends. every dime on Tim Hortons and. everything. Yeah, you missed that. But. she spends all money. >> He makes my coffee now. So that's. stopped. >> Wow. Basic minimum. $1,200 needed to.

survive. Oh, what was it? You don't even. have to like collections. We can. negotiate later. Okay. The big bad scary. debts right now. I mean, yeah. So, let's save up $4,000. Get rid of this. But then you have to. get $10,000. You get a $10,000 Jeep. So, okay. Let's pretend. Yeah. So, let's make it Let's make the. car balance actually. 14,000 hours cuz you're going to borrow. for sell the car and pay that off and.

then get a $10,000 loan for a minivan. Okay. Plus, I think 122. thing else is some collections, dude. And you're paying all that off and 11. months. And then the collections you're. just negotiating or paying off one to. one, >> right? like I don't um so that's. actually pretty easy. It's like a year. and then maybe another year to negotiate. collections. Then get a fully funded. emergency fund, then move out. You have. your own place. That's really nice cuz. your credit's a lot better. You guys can. totally do that. You have a paid off.

minivan. Everything's totally fine. Then. maybe we get your own car as well. Then. you're doing 5030 or 50 2525. You need. to catch up in retirement. 50% on needs, which you can do. And this business. thing I'm very concerned about. We'll. talk more about that in the post show. cuz I need to taste what you can do. first. >> I got you. And uh yeah, you guys will be. on track for retirement, but we need to. think we need to think. career at that point. So, but pay off. all the debts and the car and the. minivan and everything that you're going. to get and that'll take 11 months and. you'll be fine.

>> Then fully funed emergency fund, then. move the out. Then start catching. up on retirement. It's really not that. difficult. You just need to figure out. what you want to do for your career. Okay, let's get the hammer financial. score. But I guess in the post show, we. were definitely going to taste this. thing. We got to go over the screenshot. with him and get his takes on it. because she was like trying to. manipulate and do some weird stuff here. Um, and uh, yeah, just some other crazy. that just massive fights they've. been in recently. We got to break it. down and I don't know how you guys are. going to survive. [music] Okay, hammer. financial spending in a budget. You.

overspent 0 out of 10. Death is. collection 0 out of 10. Emergency fund. have savings going to go towards that. It's about a 5 out of 10 cuz there's a. little more there. Retirement is very. behind 2 out of 10. Real estate 0 out of. 10. Hammer Financial Score. That is going to. be a 1.5 out of 10. Get your updated. Hammer Financial Score for free at Caleb. Hammer.com. Now, join us for the food. show. It's going to be really good. Lots. of crazy things to break down and we got. to let him know what happened and we're. also going to taste the food and see if. it's even worth him opening this food. truck. Join Hammerly. Three premium. shows every single day, Monday through. Saturday. It's incredible. You can also.

download the Hammerly app, hammerly.com. Click the join link in the description. below to join on YouTube. See you guys. there. She was trying to say to us that. you were yelling at her and biding her. and doing all this crazy stuff in text. I thought you were going to be like, "Oh, he whails on me." Or he was like, "I'm going to throw you through the. wall." Seriously. >> I mean, it's not gotten to that point, but it's gotten to the point where I was. scared. >> You were scared from that? >> Not this one. And another one. Like a. >> Tell us what happened. I just launched.

the brand new Hammer [music] Elite app. available on every major platform. So. you can watch every show anywhere you. want. You'll get three exclusive. dedicated shows every single day, Monday. through [music] Saturday. Refer a friend. after you sign up and you get an. additional 30 days of Hammer Elite. access for free. Download the Hammer. Elite app by using the link in the. description or pin comment [music] down. below. This is the best membership. you'll ever join, and that's a promise. I want you to be on the next episode of. Financial Audit right here in Austin, Texas. If you think you have interesting.

finances with an interesting personality. or a story or a life or relationship, I. will personally pay you to take time off. of work, fly you down to Austin, get you. personal transportation, a hotel, food, and we'll have a great time hanging out. Go to kale.com/apply or click that link. in the description below.