I F*cking Hate Them | Financial Audit

You're the annoying one in this. conversation. That is why I am ripping. you. >> As you should. >> He probably needs someone to stand up to. you for the first time because he never. has. Cuz he's probably a little bit of a. [ __ ]. >> Go yourself. >> Don't be so. >> Do you not let him speak in the house? >> No. >> No. I think no was the correct answer. >> We don't listen to people that look like. you anymore. >> Is it a woman thing? >> No. SJW thing. >> So you're sexist. >> You don't give a about your. relationship. >> I'm working on it. >> Work harder. Get your free trial to the Dollar Wise.

budgeting app today. Join the tens of. thousands of active users who are taking. control of their money and changing. their lives. With new features being. added constantly, there's no reason not. to try it. And if you like it, choose. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. Dollarise.app or link. in the description below. >> Hi, I'm Jordan. I'm 26 [music] years. old. >> I'm Matt. I'm 24. We're from Springdale, Arkansas. >> And this is Financial Audit. It sure is. And you guys drove down,

right? >> Oh, yeah. >> How high are you, Matt? Look at you. Look at you. >> Uh, >> you've either done 10 shots of day or. >> or or just sleepless driving through the. night from Arkansas. >> Yep. That's exactly it. >> He's really tired. Really tired. >> Well, we got a big conversation ahead of. us, big guy. Now, listen again. I I I. always say this. I go in blind with the. audience. That's the fun of the show. But Colton, you know, kind of waddled. in. In fact, you know, he often likes to. skip. So, he was skipping in. He skipped.

into my office this morning. He was. like, "Hello, Caleb." And I was like, "Oh, Colton. Oh, hi. This must be. exciting." He said, "Oh, it is.". [laughter]. Because. he has no idea what the is going on. Matt has no idea what the [ __ ] is going. on. His lady, this nice little lady. here, Sept Piercing and all, is just. hiding. knew I just hiding. >> You were going to say something. What's. the prejudice against that? >> Well, you look like a freak. But other. than that,

>> no, it's just an accessory. >> What did you. >> An accessory? It's an accessory. Get. some hearing aids. >> Well, but you said it very weird. You. said. >> accessory. Sometimes I [clears throat] don't. Well, I'm not from there. Thank god. >> Which is very weird cuz you said it like. you were. No, you just look like you. belong in a pasture. But other than that, it's okay, >> I guess. >> CORRECT. [laughter]. >> But.

>> um I used to weigh 360 lbs. So. >> it wasn't a fat joke. >> Oh, well, >> it was a. >> Oh, the bull. Oh. >> Oh, she's stupid, too. That comes along. >> She's a little ditzy, but that's okay. >> She does that. Well, the main issue and I think what. Colton was trying to tell me is that. your lovely lady here has been hiding an. absolute crazy amount of from you and. you have no idea what is going on in the. finances and it's a complete shitow.

>> First of all, not hiding. >> Well, I I was talking to him, but yeah, why don't why don't you jump in out of. the gate? I think we kind of want know. what personality you are at this point. Sure. What's going on, lady? Oh. Um, I. just want to like. get better at budgeting. I mean, >> well, congratulations. Okay. >> What kind of answer is that? The fact. is, I mean, the main note that I have is. we want to take things to the next step, but she's hiding [ __ ] from him.

>> Not exactly. No. >> Okay. How would Mr. Matt describe it. then? Because I feel like she's trying. to downplay something here. When the. very note that we have from you guys, >> dramatize it. Not necessarily. Maybe. I. don't know. The note we have from you. guys, well, mostly him, is she says. she's ready for the next step, but she. keeps hiding her finances from me. That. is the note we have. Not from me, not. from Colton, from him. So, dramatizing. maybe. I don't know. But that would be. from him. Maybe you should. Do you not.

let him speak in the house? >> No. We communicate very well. >> No. I think no was the correct answer. And I feel like that's why you probably. think it's romanticized because you. haven't heard what he wants to say and. what he actually thinks. I'm already. picking that up. Are. >> you projecting? Are you projecting onto. me? >> I don't think so. >> You're project Oh, you're projecting. onto him. Do you not get to talk in your. relationship? >> Yes. No. >> Do I have the floor? >> I would like you to.

>> So, we want to move forward, but uh there are some uh things she's. hinted at. uh things that I don't know. the full story to. Um and. >> really sounds like she loves to talk. >> and yeah, you haven't gotten the full. story somehow. That's interesting. >> I'm not a storyteller. Okay. >> Anyways, we're here to peel back the uh. metaphorical onion layers here on the. finances. and bury all the secrets and uh.

hopefully set the record straight. >> Why are there secrets? What is the next. step? You say we're trying to move. forward. What is forward? Where are we? What is forward? >> Um, well, we've been together a while. And. >> what's a while? Let's try to get. specific in this conversation. >> Started officially dating in February. So, that's like a. >> I guess that's a while. >> That is a while. >> When people say a while, I'm thinking a. couple years at a minimum. A while. I. would say for a little bit. My. girlfriend and I have only been dating. since February as well. I wouldn't say a.

while. I'd say we've been dating for a. bit. >> Mhm. Well, you really hyped up time, I. guess. >> Okay, you're 26. You're not a child. I I. think we should have a pretty similar. perception of time, but Okay. So, what. is moving forward then when we've been. dating for a little while? >> Thinking about marriage in the next year. or so. >> Well, that's good. I love that. Love is. in the air. >> Oh, yeah. >> That's great. Are you consenting to that? >> I'm consenting. Um, I love her and.

again, I just want to get all these. finances filled out. >> So, what is going on then? What do you. think is happening? Cuz you're you're. you're saying there's these things you. need to peel from the And. >> you're talking about how I pronounce. things. >> to move forward into the marriage. situation. What do you think is going. on? What's your perception?

Um, well, I've heard about a water. system and I don't know the full story. to it. >> About a water system. >> How do we hear about a What's a mention? Are you a homeowner? >> Uh, no. But I believe it's from a past. purchase or. perhaps a loan. >> Water what's a what? A water system for. what? What are you watering? >> Yeah. >> Um, >> what are you watering? Well, my hair because hard water is bad. for your hair.

>> No. Jesus. >> It's okay. It's from like my past. relationship that I was in. It was like. a It was like a rebound relationship and. I didn't realize it at the time. >> You rebounded with a water system? >> No, with a person, but he bought a house. and then he was. >> You know this guy? >> Never met him. >> You're kind of reacting in an. interesting way. So, I feel like there's. some blood. >> Not the greatest of the bloods. >> He doesn't know him. Never met him, just. heard about him. [clears throat]. >> What I've heard, he is. >> he's a piece of work.

>> to put it. >> I don't know how that equals a water. system. >> So he we were together for like a couple. months and we're tired of driving back. and forth cuz we were like an hour away. from each other. And so he was like, "It. would be easier if I just bought a. house.". >> So he bought a house. >> Luckily, they got for pennies in. Arkansas, but. >> it was in Missouri. Um and it was way. more than pennies there. um or way less. than pennies, but he was like, "I'm. gonna get a house." So, he got a house. and I moved. >> Good for him. The boyfriend of two. months. Good for him. I'm glad he got a.

[clears throat] a house. He was a bad. decision himself and him in. >> as a roommate at the time that like they. sent all these people to like sell you. solar panels and sell you these things. >> Why does it matter if they come? They. always come. >> Mormons come, the solar panels come, they all come. >> Oh, yeah. >> Why does it matter if they come? >> Well, I don't think Mormons come very. often because it's a religious thing. But. >> I think they come a lot with their. multiple wives.

>> I think that's dated. But. >> well, if they're lucky, they're dating a. lot. >> He bought the house. One of those people. came to the door and was like, "Oh, this. water system." And at the time, I was in. the middle of losing weight. And when. you lose weight, your hair gets super. thin. And I was like, "Oh my god, a. water system would be great for my. hair." And he was like, I can't get it. on my own credit with just. >> what are you doing? You're getting a. water system just so because you're. losing weight. >> This is that's a feels like one of the. more stupid excuses I've ever heard to. go into a debt. But.

>> wait, is it a debt? >> You say you hear about a water system. What do you mean you hear about a water. system? >> Well, >> where the like rumors of a. >> She told me about this uh past I guess. I'd call it a situationship and uh. >> yeah, two months before moving in. That's actually pretty intense. >> And this is coming from the woman who. will not drink water without ice in it. So, [clears throat]. >> okay. Bougie count. >> Mhm. So, very particular about her water. and I think it stems from that. And she. heard water system with what was it? Soft soft water.

>> Reverse osmosis. Okay. >> Oh, for [ __ ] sake. >> It had reverse osmosis. >> Fully fully you. >> No. >> No. Well, I didn't I'm confused what. this rumor of a water system is that. guy. >> He signed on it and he was like, "Oh, I. can't get approved for it with just my. name or credit." And so I cosigned. >> and a water system, >> but I didn't understand what cosigning. was at the time. Locked in. Well, so far. in the few minutes we've had, when. you've used reasons for doing anything, it's just I don't understand. You know.

what happens when you don't UNDERSTAND. SOMETHING? YOU LEARN. [screaming]. YOU WHAT ARE YOU TALKING ABOUT? I don't. understand [ __ ] all the time. Does that. mean I just do? Does that mean I just. do? >> Well, in the moment it seemed like a. rational decision. >> The first time I didn't understand how. to stick it in, so I watch some. >> That does not tell you how to stick it. in the correct way. >> No, but it helped me at least proceed. >> You couldn't find a hole like crazy. You. needed to learn that. But anyway, >> I could have landed in the wrong one.

>> Well, depends on your preferences. I. guess. >> the thing is if I don't understand how. to cook, I learn a recipe. If I don't. understand how to drive, I learn how to. drive. If I don't understand how to film. or edit, I learn you. I didn't know that. they sent solar salesmen. >> I didn't. >> I didn't know what co-signing means. >> I didn't. >> You tit When was this? >> You tit When was this? >> It was like past May. you.

>> No, not this past May. The one before. >> you were 25 at that time. You had access. to GPT. You had access to GRP. You had. access to. >> I didn't even know GPT existed. >> Doesn't matter. You don't know anything. is your excuse for anything. You had. access to Google. I know you know that. You had access to [ __ ] Yahoo if you. really wanted it. You had access to. Bing. >> Besides the stupid water system. >> No, no, but you could have looked up. what is cosigning. Like that. That is no. longer an excuse anymore for anything in. today's society. Well, because they the. way they explained it to me. Is that. 2002? Maybe because they were salesmen.

Like I don't know. I took their word for. it. They were like, "This is what. cosigning is and it's not even a big. deal." And so I just took their word. >> I think part of it stems with the. instant gratification. >> It was awesome. >> Instant gratification of. >> o reverse osmosis. >> Okay, listen. We have different. gratifications. >> that this is a uh this is a pattern of. instant gratification. >> Well, how do you feel getting into. dating this pattern for potential. long-term marriage? I'm more than just a. pattern. Okay. >> Considering. >> don't minimize me. >> I've had to sort of uh steer her away.

from that. Um and she has gotten better. But again, it is still quite frustrating. sometimes. >> I mean, in the entire conversation that. you guys were having in the onboarding. process with Colton, you were just. incredibly just swearing that you were. better off with finances and that you're. actually doing pretty good with. finances. And then you're. >> doing bad. I think we're doing fine. you. wouldn't be here is the fun fact with. that like it's impossible and you having. that mentality if you want to move. forward that mentality doesn't get you. moving forward in a relationship if you.

got Yeah. Yeah. Okay. Yeah. What's your. perspective on all this? I know you. don't know the entire finances but like. what do you think? What do you hear. this? Like what what is even going. through your head? >> I mean she says she's emotionally. self-aware apparently. >> I am emotionally self-aware. >> And I'll give her credit. She does. She. is self-aware. But uh whenever when it. comes to finances that hair is ever. self-aware. >> I literally just did this. Okay. I was. like I want to. >> You're certainly not self-aware. >> I am self-aware. It's gorgeous. I love.

it. >> You perm yours. I don't want to hear it. >> All right. Stalker Matt, >> you talk about it. >> Well, if we're staying on the hair topic for a. second, I can't justify spending How. much was it? >> Which one? Uh, which appointment was it? The what. was the last appointment? What what did. it cost? >> 240. >> 240. If I get a haircut, >> it's justified. My hair looked really. bad and then my self-esteem suffers and. then. >> it should still be.

>> No, I think I look good. >> You look like 2012 SJW. >> My choice. >> My choice. >> Well, was popular then? >> Then. Okay, that cost you 300 bucks. >> I'm doing great. Oh, that wasn't the. question. >> Yep. And also, are you again, you're on. the show and you want to move forward as. a couple. I. >> Here's the thing. He can't justify a. hair purchase. Well, purchase. I don't think it's like.

a purchase. It's kind of like a support. thing. It supports my mental health. because it makes me feel better, >> which I'm not necessarily 100% opposed. to. The thing is I feel like if he is. noticing a pattern of endless instant. gratification for being the reason we're. doing everything, it's like it's a. continuation of a pattern. Yes. Of which. you might have associated with you a. pattern that is continuing down this. cycle of bad finances not letting you. guys get to that next step. If that. there there is a middle ground. You've. never used conditioner a day in your.

life. I can tell. And you spend way too. much on your hair. There is a middle. ground here, ladies and gentlemen. Like. don't get me wrong. >> I conditioned this morning. Well, I've. tried doing it myself. >> Feel it. >> I've tried doing my hair myself and it. ended horribly. >> I'm not saying that either. Again, that. within itself is not an inherently bad. purchase, especially from, you know, the. female perspective. Okay, I get it. But. if it's an endless pattern of instant. gratifications, leading us to financial. misery where we're not, >> I think we're in financial misery. I. >> Well, he does in order to get to the.

next step, which is your main goal, he. is not willing to get there because. you're being an absolute degenerate. No, I don't think you know the definition. definition of that word. >> I'm a degenerate, but in different in. more pleasant ways and more fun and we. love it. But the fact is you are. obviously holding it back or else he. would be going to the next step. >> I [clears throat] don't think I'm. holding it back. I. >> Well, let's hear what Matt says then. It's not brought up. >> Let's hear what Matt says then. >> Well, are you a [ __ ] not bringing [ __ ]. up? >> Uh, no. I bring it up, but even when I. bring it up, uh, things like, uh, for.

example, the One Wheel, uh, I never even. had a chance to say no. It just. >> How much was the one wheel? >> How much is the one wheel? >> I know. >> Like in total or like. >> It was like 3,700. >> That's not that bad. You have your. hobbies. People spend more on stupid. Lego. >> I have money to budget. I'm responsible. No. And before this before this for. years before this when I fixed my [ __ ].

you guys are literally trying to move to. the next step and you're spending 3700. on a one wheel. >> I already had two and we were perfectly. fine then. >> I already had. >> Why'd she do Why'd she do this? Shut the. [ __ ] up. I don't even want to hear it. Why did she do this? >> YOU DON'T HAVE THERE SHE IS. >> Come on. She can't listen. I I want to. get in. >> Oh my gosh. It was a bonding thing. It. was bonding. Bonding. You bonding. What. bonding? >> No, because it's a good like hobby that. we do outdoors. >> He had two. You are two people.

>> I really I [clears throat] really want. one for myself. >> Wait, he had two. >> I I really wanted a onehe myself. >> and one of them sucked and I couldn't. ride it. >> They hadn't support you. Which one? >> Um, >> they had character. >> The first. >> Huh? >> I've crashed them several times. They. got some dings. They got some rough. marks. They got some wear on them. But. that doesn't make him any less capable. of writing than the one you got. >> But okay, to be fair, just to preface, I.

was like, "Okay, I really like this. hobby that he's introduced me to, so I. want one of my own because we were still. >> That's more important than the next. steps, though, because again, that's. what's holding back.". >> At the time, we had only been together. for like four months, so I didn't know. >> And you're what? You're at eight. So. that's halfway through. >> Nine. And then we dated before that, but. we weren't official because I was. >> making sure I was doing the right thing. this time. >> What? What? What does that mean? >> Casually dating, but only seeing each. other. >> No.

>> No. >> No. >> What's the point? >> Going on dates and getting to know each. other. >> Ew. >> No, I'm kidding. I'm kidding. That was. like the first month. Oh, >> okay. So, it's been 10 months. >> Well, but I mean, not official. N. >> give a about official. Who cares? Where. are we at in middle school? I. >> you're dressed and styled like it, so I. guess it makes sense. >> Sure. I'm sure it does for you. >> I mean, how much debt do you have? >> Well, Matt, how much debt do you think.

you guys have as a household? >> As a household? Um, well, we recently got a car from me. because mine was uh it was done. Um, and. I believe right now that's about 21. 21. No, >> 23. >> Let Matt figure this out. I want Matt to. figure out what the household finances. are. >> Um, >> the debt. >> and um, >> the board. >> So, for my side of things, I know I have.

like 23,000. It's the car payment. All. right. It's a loan. >> So, the household combined, what do you. think it is? Cuz we're trying to make. this a household. A combined household. I'd say somewhere about equal. So maybe. 20,000 on her end. >> Okay. Which would bring us to. >> as a household? >> 43. >> Okay. What do you think, >> [ __ ]. >> As a household, you had to throw the. [ __ ] in there. Yeah, I'm sure you did. Do you feel good about that? Yeah, I'm. glad you do. Um, okay. So, maybe like.

30. Not no 30. 30. >> Yeah. >> Oh my god. >> Like 30 with the car. >> What's this reaction, Matt? What is. this? >> What are you saying? >> I don't know, but I feel like it's going. to get. >> car's paid off, so like I don't think I. don't think it's crazy. >> I'd like to know what's in those papers. in your hands a little bit more. >> Well, I'll tell you what's in it. $82,569.93.

of debt. >> You say you're not that bad. >> It's not that bad. >> It's not that bad. >> It's not that bad. You're not my dad. >> Well, you thought you. >> 23,000 of that as a car. >> You thought you had 30. >> Yeah. Well, >> that's substantially different. More. than double. >> Are you able You're not able to disagree. with more than double. Like, that's not. something that's disagreeable. >> Okay. But I thought some of it would. fall off to be honest. Like I thought it. would just like I thought it would be. long enough to.

>> You're talking collections? >> Yeah. >> Okay. Maybe there's some collections. So, you're going to marry a woman that. allows things to go to collections? I. was in a different time. >> Different. You're 26. Dude, you haven't. had that much. >> It wasn't when that happened. >> Okay. 25. >> But before that, I was in a seven-year. long relationship. >> Does she want a handshake? I don't know. what she's looking for. >> I made really bad decisions. >> But uh Yes. Yes. >> You just got a $3,700 one wheel while. being $82,000 in bad debt. >> You used to make really bad decisions.

You don't give a about your. relationship. >> Um first of all, I do. No, you're not. trying to do anything to get it forward. You're just trying to get yourself a. onehe cuz you didn't want to be on his. rusty one wheel. >> I wanted my own too because in that at. that time I didn't know if we would I. didn't know if we were going to like. work out in the future. I try not to. hold on to things like that and just let. things flow but I was like if we weren't. together later I want my own because. >> why then buy it after a separation. >> But I wanted it then. >> Well no. So she prefers that over you.

guys getting married. >> That's not true. But you chose it and. you purchased it which puts you behind. which puts you further away from. marriage. So yes, you do. >> and you don't stand up. >> I didn't have a chance to stand up with. the one wheel. >> Why? What do you mean? >> It was my fault. >> I was at work and uh I got a text and if. I could find it, I would show you. But. uh it's so far in our text message logs. at this point, but it went something. like, >> "Hey babe,

>> I bought a One Wheel. I dropped my. phone. I was planting vegetables in the. ground. I dropped my phone. >> out of excitement. >> No. >> Yeah. >> No. >> He was excited to [clears throat] ride. one wheels with me. >> I was and I am. Always am. Um that's how. we we pulled up to the office on our One. Wheels. >> Um but uh you just buying it outright, especially on someone else's credit. Mm-. >> I would never. >> I make the payments. I make the.

payments. It's like we're doing we're. doing good. Like I've got a house. Well, I've got a house that I rent, but I've. got a house. My car is paid off. I can. afford to get my onehe. >> Can you You're $83,000 of bad debt and. that's holding you back from marriage. How can you afford that? >> Fine. What did the household spend? Well, first actually, what's your in. what's your job? >> Well, before I came here or before. >> What's your job, Jordan? When I called. you guys or you called me.

>> I never called you in my life. >> Yeah, but like when you guys called me. and you were like, "Hey.". >> Oh, she can't answer this question. Okay. >> Yes, I can. >> I understand why these conversations at. home never go well. >> You know, if you could just answer the. title of the job. >> There's a story to why. >> Did I ask for a story? >> I don't care if you did or not. >> Are you done? Can I talk? Thank you. Zoom. Zoom. >> So, I got pretend like you're on a onehe. >> I got laid off. And. >> so you do not have a job?

>> No, I have a job. >> WHAT IS YOUR JOB? >> I GOT LAID OFF and then the next week I. got another job. So I. >> Why does it even matter? >> That's the answer. That's the answer. Nothing else answered. Nothing else mattered. >> Yeah, cuz now I make a little bit more. money. >> Who cares then about what the. >> You're a receptionist. >> Well done. I'm proud of you. >> Thank you. >> Those poor customers. What do you make? I make. 21 an hour. >> Okay. In Arkansas, especially not in the.

major metro area of Little Rock, I'm. sure that stretches actually decently. far. What hits per paycheck cycle and. what is that paycheck cycle? >> It's so new that I don't know exactly. what it's going to be, but I estimate. because the insurance costs more for my. paycheck that it'll be about the same as. what I made before. So, probably like. 1150. to,200 a paycheck. >> Okay. So, 2,400. >> per paycheck. >> Okay. And you can justify spending a. month's and a half's worth of income on. a onehe. >> It's a hobby.

>> How does that how does that how does. that equal it being okay if it's a month. and a half worth of income? >> Well, I also dogsit on the side so like. I get extra income but it's not. consistent so I don't count it. >> Well, can we count it? Like. >> I try not to. >> Well, what is like the monthly average. for dogs? >> It varies because like I don't It really. varies. I don't know. >> I guess it it varies. It could be like. 1,200. It could be 200. >> And Matt, what do you do for a living?

[clears throat]. >> Uh, I work at a botanical garden. I dig. holes. >> He's a plant guy. >> Mhm. >> Okay. What do you make digging holes? >> 1150 bi-weekly. >> Oh. Oh, [ __ ] Okay. So, 2,300. Let's. talk about student loans. I know it's. something we all avoid talking about, but if your private student loans are. crushing you, Y refi might be exactly. what you need. They don't rely on your.

credit score alone. They look for. borrowers who have the desire and the. ability to repay. That is a gamecher in. a market where most lenders only see a. number. Interest rates under 6%. guaranteed. That's practically a unicorn. in student lending. Plus, they offer. structured payment plans to lower your. monthly bill and even a co-signer. release program so your mom and dad can. step off the hook. Y Refi is known for. their personal service. No faceless call.

centers. You get a dedicated rep who. actually cares about your progress. They've got a 4.6st star rating on. Google, which tells you people genuinely. like working with them. So, if your. private student loans are burying you, it is time to reach out. Yrefi wants to. help you climb out of debt, not push you. further into it. Check them out at. yrefi.com/hammer. That is yfy.com/hammer. Or call89733978. That is 89733978.

Break free from the highinterest trap. and get your finances under control once. and for all. This is not an ad. I. actually need your help with something. cool I'm trying to build. Financial a. lot has gotten pretty dang big over the. past few years. I went from filming on. my kitchen table in my condo to renting. out an entire office with multiple sets, a [ __ ] ton of full-time employees, and. some big-time sponsors. Now, how I. dialed in the exact formula for making. videos that gets hundreds of thousands. of views every single time. From.

thumbnails and trailers to editing and. audio, we've got this whole YouTube. thing down to a science. And the thing. about science is it's meant to be. taught. In fact, I've been thinking. about doing a little YouTuber academy. for a while now, but I need your help. first. If this is something that you're. actually interested in, can you fill out. the form linked below? It only takes. about a minute and it'll let me know. what I should actually include in the. academy. So, fill it out and stay tuned. Honestly, it would help me out and I. want to help the next generation as. well. So, if you want to be included,

just feel free. So, the household. is 4,700. I mean, how we doing on 4,700. when we're spending an entire. household's month of income on one. wheels? Honestly, >> I think we're doing great, >> Matt. Uh, it's been rocky. >> What is the difference? Why Why are we. very different sides of the coin when it. comes to how the household is doing? >> I guess. I just think um it could be worse.

>> It could be worse. Why does that all of. a sudden make something good though? That doesn't make any sense. I I better. >> No. Does it? I will say this, I I use it. like I say it every time. If you inject. once a day versus three times a day, that doesn't make even though it's. better good. That does not work. >> But it's still better. >> If the United States gets hit with one. nuclear bomb instead of four, it doesn't. make it good. >> But it makes it better. >> It does make it better. But how do But. you make make it sound like it's good.

>> Good for me. I'm doing I think we're. doing great. The median household income. is $70,000 in Springdale, Arkansas. You guys aren't there. You're probably. I mean, Nat, you're like 55. >> Yeah, we need to make some changes. >> But I'm just confused on what's so. different. She's optimistic. What would. you say you Okay, fine. How would you. describe him? >> Um, conservative. He wants to like save.

save save save. >> And this is bad. >> No, I wouldn't say it's bad. It's just. like we can't go do fun things or like. >> not always. No, you can't spend a month. and a half worth of income. I'm sorry. You can't. No one can do that. If I went. and spend a month and a half worth of. income, that would be insane. >> I wanted to enjoy that hobby with him. >> He already had two. You absolute beast. >> And one of them sucked. It's like on its. last leg. >> You weren't riding that one. You were. riding the good one. And then that one. started having problems.

>> Oh, forake. >> It still runs fine. >> Huh? >> It still runs fine. >> He says, >> "Well, I'm kind of trusting him right. now cuz you seem like you twist things. to make what you do acceptable.". >> No. >> Yeah. >> No, I don't. >> She has a very uh I'm going to make it. work mentality. >> Uh-huh. But yet, nothing has ever. worked. I mean, you thought you had. $30,000 of debt as a household. >> Because I can make it work. I don't. think it's that. >> Okay. We know what comes in. What was. spent last month?

>> Um, >> did I do dog sitting last month? >> That's such a great question. >> Uh, a h 100red bucks. Just about 100. bucks of dog sitting is what I got. >> Oh, no. That's just I usually get the. rest through like Venmo. >> Uh-huh. It was $100. >> Interesting. >> Interesting. What was spent last month? Uh probably like see.

I don't know 2,00 2500. >> She's okay. You're literally going to. marry a person. >> You can't say that. >> Yes, I can. >> You can't. >> That's literally every driver in this. state. Then. >> we don't listen to people that look like. you anymore. I don't know if you know. this. You've lost all the power. >> What does that even mean? Are you Is it. a woman thing? >> No. SJW thing. >> [gasps]. >> the first. >> So, you're sexist. >> Did I I said SJW? Is that women?

>> Um, well, I mean, I don't know. I don't. know what SJW is, but socialist talk. over women all the time. >> I talk over everybody, including myself. >> You can't talk over yourself. >> Oh, yes, I do. And that's why I flub so. many words. >> No, that's just a stutter. That's just. cuz you don't know how to speak. >> Stutter. I talk faster than I think. I. don't know what I'm saying half the. time. >> Well, then maybe you should stop and. think for a minute. grow your so. >> you can't say that. >> I can I just did what what.

back and again we don't listen to people. like you anymore we really don't you. guys have no power you guys were like.5%. of the population online. >> you is. >> you're a performative virtue signaling. weirdo. we already know that. >> is that just because is that just. because of the piercing and the color. >> the color and the weird earrings that. you made in a shed. >> um no actually I purchased them from a. >> well that's even worse cuz they look. like they were made in a shed. >> That is as clear as day.

>> Support small businesses. Don't be. >> small businesses. It's someone in an. addict that's set up at a farmers. market. It's not. >> Yeah, [clears throat] exactly. Support. small businesses. >> Okay. Yeah. It's the lemonade stand. version of earrings. >> Okay. So, either way, these people. >> Mhm. >> you're connecting yourself to one of. them. >> Like I said, she's been doing a lot. better. Uh. >> what? A lot better. >> Okay. You guys spent $5,000 when you. brought in about 4,500. So that's a lot. better. I don't want to know where we. came from. A lot better. She spent 30.

She spent a month and a month and a half. of income on a onehe. That's a She's. doing a lot better. She thinks you guys. have. >> month and a half of income. No, it. wasn't because of. >> your income. You dumb creature. Listen, >> I thought we were joining incomes. >> depending. You guys aren't even married, but potentially. I was talking about. your income. >> Joined. So like. >> Well, you wouldn't have bought it. without him. Okay, fine. You spent. basically a month's worth of household. income that is still insane, disgusting, stupid in every way whatsoever. >> It was worth it. >> Was it? >> Yes.

>> I looked at him and she's doing the. classic the person we hate most in this. entire world thing. >> Well, she's happy on it, but uh it is. definitely a stark reminder that we. could have used that money. >> Do you not like going on one rides with. me? >> Oh, I love it. >> You had to. You absolute beast. >> He had to. That's besides the point. That sucks. So, is it a combined income. or not? >> Is it. >> one? >> Is it a combined income or not? >> Is it Is it a combined household or not? >> Yeah, with bills. >> Is it?

>> It is. Then it's the combined one wheels. two. Then he had two. One's yours. There. you go. You. >> at 4 months. >> Oh my gosh. >> You can't just act like at 4 months. you're going to marry someone. >> She's con [gasps] You're acting like. riding someone's one wheel is a. marriage. If I touch your onehe after. this, did I [ __ ] like diddle you? >> True, true. >> Like what is happening? Like I'm you. How did the conversations. go in this household around finances?

Please tell me in extensive detail. >> So. >> I want I want I want No, no, no, no, no. >> That's [ __ ]. >> Sometimes does it anyway? >> That is all right. Well, hm. What about. Seven Brew? Hm. Well, uh, well, when I have the money in my. account to, uh, >> if it's joint income, do we have the. money in our account? I say yes. But. then you're like, why did we do that? >> That's not how we set up our finances, though. We had a joint account for joint.

bills, but then separate accounts for. >> Is it joint income or not joint income? >> It's joints. >> And the things that we both. >> have to pay. >> That sounds different to me. All right. Are you going to open up a. bank account with someone like just a. roommate? >> No. But. >> that's how the conversations go around. finances again. So she says, "I want, I. want, I want." You say, "No, no, no.".

And then what? >> Tends to happen anyway. >> So you're doineering and you get what. you want no matter what. And yet you. probably pretend like you're a victim. still in the end. >> Okay. I have never had victim mentality. First and foremost, you have. [clears throat]. I'm sure I've never had victim. mentality. >> Uh-huh. >> Mhm. I am literally like I say I'm like. a crack addict who doesn't do crack. because I can always make things worse. >> You look like you've done. >> No, I don't.

>> I have all my teeth. I literally like I don't know scabs. >> Close your mouth. You look like you. could be toothless. >> I used to have an underbite. You. >> Oh, that's why. >> Yeah. That doesn't make me feel sympathy. for saying that. I'm sorry. I don't need. >> sympathy. I'm not a big You said it like. you wanted me to feel bad. >> That's not how the conversations go. >> Besides the point conversations go. >> It's always we're going to I'm going to. make it work. >> I'm going to make it. She says it. >> I always make it work. >> Well, no. You thought you had $30,000. You spent more than you made. No.

>> We get hit with our bills naturally. every month. And then it's like. >> surprise. >> We have x amount of money, but maybe. it's a little under and it's just like. I'm going to make it work. Not. We're. gonna make it work. I'm gonna make it. work. >> I do make it work. >> You spend $500 more than you guys. brought in last month. >> Well, I probably brought in 500s from. somewhere else in cash. >> No. >> No, I'm pretty sure I didn't. >> Well, I'm pretty sure I did. >> No. >> If I go back and look, I made a lot of. money. >> No. Here's the deal. She just doesn't.

live in reality. How can we How can we. work with someone who doesn't live in. reality? I do live in reality, but the. you try to make it seem like reality is. much more harsh than it is. It's not. >> What do you mean? I just have your. numbers on paper done by an accountant. A woman accountant, by the way, so it. can't even be sexist. So, I don't want. to hear that. >> Yeah, it's just the way you talk over. people, specifically women. And you. always talk about women. Don't even. play. >> Pause for a second. I've been talking. over you more than him, but because. you've been the obnoxious [ __ ] and he. hasn't been. So, if he was being.

>> that makes you feel better. I feel like. you project your aggression onto your. guest. Like, is there something going. on? Are you okay? >> Yeah, I have an annoying in front of me. It's it's it's very obnoxious. So, yes, I'm dealing with it. >> If he was the annoying one, I would be. talking in of in front of him. I roast. guys all the time. Again, she she has. the victim mentality. I can already hear. it. You got Reddit written all over you. >> I don't even use Reddit. >> That's what they all say. It's written. all over you. You were born into it like. the Matrix.

>> Um, no. I've never used Reddit. I've. never posted on Reddit. Nothing. >> It's an example of just how you act. You're that brained. >> I think my brain is beautiful. >> We upload more women than men cuz we get. more women applicants by far. Don't get. me wrong. So, yes, you probably see more. examples there, but every time a guy's. on the show, which are typically. Wednesdays, I obliterate them the same. exact way. >> Um, the reason you probably have more. women is because women are not afraid of. you. So, they come on here. >> Why would I want someone afraid? What. are you talking about? You're using that.

like it's yell at people and so maybe. guys are like, "Oh, I'm an alpha. I'm. not going to go on there and have some. [ __ ] nerd.". >> Maybe stop being and apply to come on. the show. I don't know. I. >> apply and come on the show. >> Yeah. Apply. So, I I don't know what I. don't know what point you're trying to. get to. You're the annoying one in this. conversation. That is why I am ripping. you. >> Maybe we just. match. Huh? As you should. >> And he hasn't been annoying. >> Okay, whatever. Well, he probably needs.

someone to stand up to you for the first. time because he never has cuz he's. probably a little bit of a [ __ ]. >> Uh, >> I am getting a little cuck vibes. >> Go yourself. >> Well, okay. There's some balls. >> If there's something meant to be said, it'll be said. >> What? >> But I'm not going to talk over someone. who needs to talk over other people. >> Thing is, big guy. You say no, she does. it anyway. So, you're a pushover. >> All right. >> Sometimes. Well, >> I um I feel like I do communicate. though. I feel like Okay. >> Okay. You communicate by saying you're. doing something then you do it.

regardless of what he thinks. >> I tell him and he's like. >> you. >> Do we have the money for it? And I'm. like, >> "Yeah, I think we have the money for it. I think we'll be fine.". >> Here's the deal. >> You cuck him and you actually smell like. a Halloween store somehow. >> Smells like body butter. >> It smells like spirit Halloween in here. >> So, usually uh what happens is whenever. I tell her no, she goes to somewhere. else. So instead of cucking me. >> Wait, when dad says no, she goes ask. mom. Who is someone else?

>> Who is someone else? >> I don't. >> Who are you going to ask? >> Who are you referring to? >> What are you referring to? >> Uh, well, for example, we were out and. about and the impulse the impulse. gratification hit her and she just. wanted to get an HTO drink so bad. >> Huh? >> Her mom was in the neighborhood. >> Hto? >> It's some tea place. >> Tea. You have one here. I'm pretty sure. >> That's the ch It's not that good. >> I like it sometimes. H2O. >> When I'm not feeling seven brew, I'll. get an HTO. >> I thought you said he was the Seven Brew.

guy. >> He is. But if. >> Sounds like you are, too. So, you do it. together. So, shut the up. >> Yeah, but like. >> No, >> he's saying like I go and ask other. people, but HTO is literally like $3. >> Okay. So, yeah. What was this ask other. people thing? >> Uh, she calls her mom who is so. conveniently in the neighborhood and. she's like, >> um, she was at the time. >> Can Can I ask you for HTO? >> You're asking your mother for HTO money. at 26? Yes. >> You're a joke. And you want to sit here. and say that you guys are doing well and.

you're ready to move to the next step. You're a joke. You're asking your mother. for money to get tea. The is wrong with. you? >> Honestly, I don't think a lot. I think. I'm very emotionally aware. I think. we're not that bad off. >> Um. Mhm. >> And I don't think asking to borrow money. here and there when you pay it back is. like a big problem. >> Back from your family to get [ __ ]. though. It's not even for like a life. necessity. And you guys make. >> that was a very rare occasion. I usually. ask her for help whenever he brought up. So clearly he finds it very important.

>> Mhm. >> That's because he doesn't like asking. for help. >> You shouldn't need to ask for help. You. guys make okay money in a cheap area. No, you're not a medium income yet. Yeah. For the area, but you guys are. also like 25. >> And if we're going to be independent as. a couple. with like potentially a kid, pets. >> eventually. eventually. >> I can't even be a part of the. conversation right now, guys. >> Eventually, like I'm saying when I'm. like 28 or 29. >> Why her?

>> I'm pretty amazing first and foremost. >> So, she is pretty amazing. However, everything except the finances. It's. literally. >> how she communicates. >> How can you guys have serious. conversations? >> You communicate. You don't allow. communication back. >> She talks herself. >> False. False. He shuts down. >> Well, she talks herself into a circle. until she admits what's wrong. >> And then the instant gratification comes. back and replants the seed. And the.

cycle restarts. >> Always thinking about planting seeds, aren't you? >> Everything's a plant. >> Your plant's leaking all over the. carpet. >> Yeah, that was an issue this morning. >> They're over watered. They're probably. going to die. >> It's not going to die. It's been with us. for years. Thank you. His name is Henry. He's okay. I just named him now. But he. is struggling this morning. It is true. >> What about those fish in that tank? >> Ah, fish. Thank you. And I. >> cuz it killed the other ones. >> No, the other ones jumped cuz they're. guppies and they jump. But all the. levels on the water are perfectly fine. We do testing. Thank you.

>> You didn't feed them. >> I like the shrimp though. >> He was fed on Monday. He's getting fed. today. You guys are weird. What are you. talking about? What are you on about? >> Living things. talking about. >> eventually. Okay. So, she says you shut. down. I told you you cuck him in. conversations. You cuck him. No. >> You get cucked and you allow yourself to. be cucked. Do you get off on it? >> No. >> And she doesn't. >> Well, she said she does. >> No, I didn't. >> You said he shuts down cuz you go. >> shut down. I don't cuck him. >> You cuck him.

>> You said that, Caleb. >> You're getting cucked, big guy. Why do. you Why do you shut down? >> Uh because whenever you hit a wall and. she's running in circles, it's like you. just let her run in circles till she. gets tired. >> Yeah, you must be miserable to have. conversations with you. Just buzzing, buzzing, buzzing, buzzing. Um, I would. say that it's where he says like I'm. running in circles. I'm not running in. circles. I'm just trying to make sure. that he understands what I'm. communicating because I'm If you say one. thing and someone hears another thing,

then it's like there's a. miscommunication there. But then he. doesn't want me to do that cuz he thinks. I'm reiterating and reiterating and I. don't think I'm reiterating. >> So, how often does you go to Seven. Bread? >> Uh, multiple times a week. >> Not anymore. >> Yes, we have. How many times do we go this month? >> Enough to Enough to get at least two. free drinks. So, at least 10.

>> How many times have you gone to Seven. Brew this month? >> We We're not always going together. I. have had Seven Brew, I think, twice this. month. >> Okay. Hey, what about when I bring it to. you at work? Because you're like, "Yeah, I can use a coffee. >> I could use a coffee.". >> And then you're like, I show up with a. coffee. There are no objections there. >> What are you going to return it and get. the money back? >> No, you're just happy I brought you one. You don't object, so it's fine.

>> You think she ever spends behind your. back? >> Uh, yes. I know she does. The One Wheel. That. >> that was with love in hopes that we. could do our hobby together. >> What a cope. You with love you love. >> I thought he would be excited so that we. could do the hobby together. >> There was already one. What is wrong. with her on this? >> But the other one was shitty. >> You'll understand. >> You'll understand. How would I ever.

understand? >> You just got to try one. >> I've been on one. >> No, I don't think you have. Uh, I mean, I quickly got off it cuz I'm. not good at it. >> You didn't try hard enough. >> Well, probably. I mean, >> what? >> You didn't try hard enough? >> She's broken, my girl. Imagine going. being able to do that with your. girlfriend and go like on. >> She doesn't one wheel. >> But if she did being able to do that and. like save on gas, save on gas. >> We don't live in that kind of area yet.

>> So, uh, it was a worth it purchase. >> Okay. So, any more spending behind your. back, do you think happens? >> Uh, yeah, there's been several uh like. bakery purchases and sometimes it is. with like good intent and heart to bring. me some food or something throughout the. day. But then for me, in my point of. view, >> I am as frugal as it gets. Like, aside. from Seven Brew, like I take those. things like Seven Brew is like my thing.

All right. >> Okay. What about when you're like, "Let's go to the bakery. Um, yeah. Whenever we have a little bit. of money to spend that's left over from. past month's expenses, >> like, >> but I feel that way when I go to the. bakery and bring you stuff. That's what. I feel like it's coming from. >> But like, what's the difference? >> It's a lot more. >> But what's the difference, >> guys? You spent 400 hours going out to. eat. Unless it's [ __ ] Could be video. games. Could be Magic the Gathering. You. guys look like Magic the Gathering type.

of people. >> Not anymore. >> Houseire took it all. There we go. Okay, good. I'm kidding. That sucks. [sighs]. Miscellaneous [ __ ] though. $1,342. >> Our grocery chips trips are like. >> No, THEY'RE NOT MISCELLANEOUS [ __ ]. >> WALMART? >> NO, that's unknown. Usually that's. 1,120. This is confirmed [ __ ] And. then confirmed going out to eat. That is. $1,742. And confirmed [ __ ] with your guys'. income that's coming in, especially now.

that you have a higher income. you. didn't before. You're spending 40%. 40%. ON [ __ ]. AND YOU WANT TO MOVE THE relationship. along. Good luck. No. You want [ __ ]. You want instant gratification. You want. to around. You want to hide [ __ ] behind. each other's back and you want to not be. able to communicate and you want to cuck. him. >> I don't cuck him and I don't want to. cuck him. Don't be so like you make. everything be horrible. >> 40% 40. Would you say 40% is not? >> Okay. It was a month. >> It It was a month. You're a hit first.

and foremost and not even a good-looking. one. Second of all, >> says the cow. >> No, I don't give a I think it's cute. I. can take it out whenever I want and look. normal. >> But that doesn't affect like anything. Okay, here. I don't think it's that bad because that. last. >> 40%. >> last month. >> Oh my god. >> Shut up. >> What is so special about last month? Every month is special. It was his. birthday and so we spent more on going.

out to eat and stuff because. >> birthday you you're trying to get to. marriage. >> I'm just saying it was not a typical. spending month for us. We spent more. because we were going out with friends, family and all that for birthday. >> It's a disgusting joke. And by the way, there is unique things every single. month. You're going to have a birthday. month. There's going to be a Christmas. month. There's going to be a holiday. month. There's going to be there's. always something special. There's going. to be an emergency month. He had surgery. this year, right? There's going to be a. surgery month. There are things that. always happen. There is no such thing as. a typical month. If you do not allow. yourself to budget, if you do not have.

any boundaries on anything if you do not. hold yourself accountable. Shut you up. You don't try. You don't know what the. word try is. People like you have never. tried anything in their life. They just. complain online. >> Well, >> doesn't look like it. >> Yeah. Well, we weigh about the same. So, >> without it, how much do you weigh? >> Like 215. >> And how tall are you? >> 510. >> Okay. One, you're an inch taller. So, that weight distributes more. >> That's a coat. Two, I'm 5'9. Three, I'm 210. >> Does an inch usually make a difference. to you?

>> Well, you also don't have tits, so. different. >> Huh? >> You don't have tits. Different. >> Says who? >> Are you proud of that? >> Yes, I'm 5'9 and 5 lb shorter. So, 5. lbs. >> I bet you feel good about that. >> Feeling pretty good. Feeling pretty. good. Feeling pretty good. >> Yeah. Have you ever tried to lose. weight? >> I'm down 20 lbs. What do you think. trying to lose weight is? I'm proud of. you, but you should try harder. >> 20 lb is crazy. >> At least the first noise out of my mouth. isn't moo when I wake up.

>> It's not. >> Inches and pounds don't affect our. finances, though. >> Well, they do. And she eats like a pig. >> I don't. >> She can't. >> Protein shakes are expensive. >> She can't actually eat like a pig. anymore. >> I literally can't like eat like a pig. You're quiet. Do you have anything else. to say? >> Just observing you. I'm just letting you. go. Just like him. He lets you run in. circles until you get tired. Kind of. like a pig. >> Well, you should try running in circles.

Maybe you lose more than 20 lbs. That's. crazy. >> Are we Are we hating weight loss? >> Just hating that. You're not trying. harder. You say I don't know how to try. >> Well, you don't know how to try. Look at. you know how to try. Not at the right. thing. Maybe. >> Only one thing. You can look at. everything. I've tried to try I've tried. to grow a business. Oh, success. Tried. to grow a top 10 channel on YouTube. Oh, I did. Success. Tried to lose weight. Oh, I did. Success. >> College. I'm in college. >> Yeah, you look like a permanent college. student. We We. >> started because I didn't want to waste.

money on student loans when I didn't. know. >> Go to college during the day, protest. tonight, cancel people on TikTok on the. weekend. We know you. >> No, you don't. [snorts]. If I were to read a book by its cover, yours would stop. >> You know how much What did you just That. was the most middle school thing I've. ever heard in my life. >> Well, >> is that what they teach in Kansas or. wherever you're from? >> No. That's just how I feel. You're. judgy. >> Yes, when there's a front of me. Of. course. Have you heard me judge him? Not. that much. No, not that much in 49. minutes cuz he's not racist.

>> He doesn't do anything crazy with his. appearance. >> Come on. He looks like he is trapped in. a gaming dungeon. But since he's not. >> He doesn't. >> But since he. >> He's beautiful. I love him. >> But since he is not being a piece of. [ __ ] I'm not going on. >> I'm not being a piece of [ __ ]. >> Uh nah. Uh. >> I'm not being a piece of [ __ ]. >> You know what's more expensive than. holiday travel? Your phone bill. And if. you're still paying hundreds of bucks a. month just to text your mom, I landed, then we need to talk. This holiday.

season, give yourself the gift of not. getting ripped off. Helium Mobile is. flipping the script on phone plans. You. can literally start at $0 a month with. their zero plan. No contract, no credit. check, no hidden fees, just real. reliable service. It's perfect for light. users, travelers, or that second SIM you. pretend you don't need, but totally do. You got kids? Helium's got Sprout, a $5. a month plan designed just for them. So, if they forget their lunch or their. brain, at least they can call you. And. the best part, Helium mobile combines. nationwide 5G with a community powered.

network, which keeps the cost stupid. low, like free level. Plus, you can earn. rewards called cloud points to spend on. places like Amazon and Apple just by. using your phone. So, ditch the holiday. search charge and get connected for less. or nothing at all. Download Helium today. at heliummobile.com. Let's get back to. the episode. All right, let's be real. My morning routine used to be chaos. I'd. wake up, drink a coffee, and immediately. drive into a financial nightmare. But. now I actually start my day with. something that sets me up to not feel.

like a gremlin. AG1. AG1 is the daily. health drink that combines your. multivitamin, pre and probiotics, superfoods, and antioxidants all into. one green scoop. Which means instead of. juggling five different bottles, I can. just mix it up and boom, daily nutrition. handled. Routines fall apart this time. of year with all the holidays and. travel. But AG1 helps me stay. consistent. It is quick, it tastes good, and keeps my energy supported, digestion. smooth, and my wallet closed on. unnecessary supplements. It has been so. great for my immune health and would be.

great for yours as well. AG1 has their. best offer ever. If you head to drink. ag.com/caleb, you'll get the welcome kit, a morning. person hat, a bottle of vitamin D3 plus. K2, and AG1 flavor sampler, and you'll. get to try their new sleep supplement. AGZ for free, which has been a gamecher. for my nightly routine. That's. drinkaggone.com/caleb. for $126 in free gifts for new. subscribers. Let's get back to the. episode. >> Don't even. >> Come on, dude. He So he he fertilizes.

his plans with you. >> He fertilizes something. >> And you're going to talk about your. little dungeon play or whatever you do. >> What? >> Oh, degenerate. That's what you said. >> Yeah, I'm a little degenerate. We love. it. Goon or degenerate. What the [ __ ]. are we talking about? >> It's that but in a different way. >> You know how hard she tries? She tries. so hard she got banned from CLA. >> I didn't. >> heard about that. >> Oh, she's a real tryhard. >> That was a long time ago. >> Okay. You're banned from CLA.

>> Um I'm only banned until I pay it off. >> Dude, you're banned from Clara. That's. insane. >> If that's even a status associated with. someone, that's insane. >> That's not banned. It's just, hey, pay. this and then you can use it again. I. found out about the CLA thing when she. got the one wheel cuz I asked her if she. could just use the financing option that. the future motion the company uses. >> and she was like I'm banned from Cla. >> I didn't say banned. I just said I can't. use it. I'm not banned.

I'm not banned. >> I need you to talk in circles. Please. keep going. >> It's not a circle. >> Uh-huh. No, the weight loss is good. Where were. you? Where'd you start? >> 360. That's pretty big. Well, big loss. and really big to start. >> Yeah. >> Did you meet her at that level? >> Oh, that's good. >> Yeah. Right. >> Yeah. Yeah. Yeah. Yeah. >> I met her at the like. >> and I do try. Okay. I can build good.

habits. >> What? This is not. >> I changed my whole life. >> Oh, Zenic. >> No. >> What? That's not a bad thing if you do. It's a tool. >> No. No. I had gastroparesis. >> Ah, okay. Well, another tool. >> But yeah, but tools aren't bad. Tools. aren't bad. >> Before that, I still like I changed my. whole diet, my whole tools don't. necessarily change behavior. That's the. thing cuz many people uh a lot of the. gastro surgeries, you know, the vast. majority eventually rebound is the thing. because it's a tool that can help you.

get somewhere. Just like consolidation. can help your bankruptcy can help here, but it doesn't change the behavior. It. means you can end up being a fat again. Well, even though I did change my. behavior a year prior to that, I didn't. find out until cuz I did like a weight. management or pro weight loss program to. change like my whole lifestyle to see if. I could lose it myself. And then they. did like tests and they saw that my. stomach actually didn't work. I. gastroprees. Like my food wouldn't move. Um, so then they had to take off the. part that wasn't working. >> What do you guys think your hammer. financial score is as a household?

>> Uh, >> 0 to 10. Zero being the worst, 10 being. the best. Where do we think we are, guys? >> No, you first. >> Wow. Okay, >> cuz he's wrong. >> Okay. Yes, you definitely seem like the. person that is right. He was closer to. the debt number. >> I've been in therapy for 8 years. I'm. probably right. >> You're in enablement therapy. I can. tell. Again, we know people like you. You are the worst among our. civilization. >> You are in enablement therapy. You're.

not having a therapist that actually. helps you. You ask for a score out of. 10. Yeah. 0 to 10. Zero being the worst. 10. being the best. >> Three or four. >> Seven. >> Oh, she's [ __ ]. >> Oh, she's so. >> could be homeless. We're not in my. retirement. >> She's soing dumb. She's so She is so. stupid. What is wrong? Why are you doing. What is happening? What is wrong with. you? Oh, how Oh my goodness. Having your. little dramatic attack.

>> It's a dramatic attack of just look at. you. How could you even say a seven? Seven would never come close to being on. this show. What the wrong with you? >> Nothing. >> What? >> Yeah, your therapy is your therapy is. not working cuz you have no. self-reflection. >> It's working. >> Objectively not. If you want your hammer. financial score, get it uh at. calebmer.com. See where you stand in the. world of finances. Where you need to. improve, where you're already doing. well, what you need to do to improve. It. is free, just takes a few minutes. So. check it out. But if you don't want to. be like a guest who ends up on this. show, make sure you download the Dollar.

Wise budgeting app. It is the app that. powers the show, changes tens of. thousands of people's lives out there. who are subscribed to it. You can take. the free trial. New features launch. every single month. See if you like it. And if you do, sign up for the annual. version cuz that saves you a lot of. money. And when you do, I will personally sign. my budget friendly cookbook and mail it. directly to you. So check that out. Dollarwise.app. I don't want to tempt you with more. food. >> Now I lost weight. I didn't pick up with. that. You did one thing. I'm very proud. of you. Most of us accomplish much more. >> At least I go to therapy. A lot of.

people don't even try. >> Yeah, but you're going to enablement. therapy. >> I'm not. >> Listen to how you speak. >> I used to I used to think like I. couldn't even work full-time job cuz my. anxiety was so bad. But look at me now. I'm a full-time student and a full-time. employee getting more than 40 hours a. week at some points. So, >> oh, she's doing what everyone else does. in college. I'm really proud of her. You. should like really pat her on. >> Some people don't do any of that [ __ ]. >> You're right. Okay. Okay. You're. slightly better than the worst among us, but you're pretty much there. Okay. Is. PC. What's this? Whose is it?

[snorts]. >> Technically not mine, but I'm the. co-signer now. It's on your system. >> So, you're a co-er. >> You have to pay for it or does the ex is. this a water system? >> Now, he wasn't paying for it for many. months. >> So, your credit. Yeah. There you go. 1 2. 3 4 five in fact, this year so far. Which your credit? Well, it was in the. first place. So, >> $12,442. is what's Wait, what the [ __ ] How much? >> It was originally like.

>> You got a water system, right? How much. was that? >> 6,000. What the [ __ ] did you get? >> It was like the water system that. softens your water and then it was also. like a reverse osmosis. >> Girl, you make 2,400 a month. What the. doing? And that is high for you. You. were making less. >> Again, this is what you're attaching. yourself to. Look at that line. That's. wild. I've never seen anything like. that. What are you doing? Are you just. down here all the time? Uh-uh. >> You're just like, you're gooning at that. computer all day. He's always in the. dirt. >> You have an incredible line right here. >> Do that again. >> I'm not going to do anything you say.

>> That's right. >> He's just in the dirt all the time. >> I respect them. I respect them. If you. would like to repot that later, we would. appreciate it. It needs a bigger pot. >> I would. >> It needs a bigger pot. We just don't. have one. >> I'm up for one. >> Huh? >> I'm up for hire. >> You're up for hire? >> Higher. >> Higher. >> Yeah. A job. take care of your plants. >> He'll be your guy. >> So, this is brutally expensive. What's. the interest rate on this? >> I don't know. >> It was 119 days late.

>> Mhm. >> I don't know. I literally don't know. >> It's above. It went up so much. It's 13. >> I messaged him. That little puss boy. I. messaged him and I was like, >> this beast. >> I literally was like, "Hey, you need to. figure out how to get my freaking name. off of that because it's not mine and I. don't live there.". >> You cosigned. It's not up to him to get. the name off. >> Here's a deal. >> Um, okay. >> Here's a deal. No ring on the finger. That's going to. kill the credit. My credit. >> Uh, well, it it wouldn't. A ring on the.

finger wouldn't kill your credit, >> but all the other debts. >> Um, no. What it could do is if you guys. ever get assets together, depending on. the laws in Missouri, right? Kansas, Arkansas. Yeah. This is one of those. Yeah. You guys live where Boogie lives. That's right. I don't even know who that. is. >> Well, look outside. Trust me, you'll see. them. >> I'm not going to lie. I really don't. know how like I don't know how it would. a marriage. I really don't I don't. >> No. No. Okay. Yeah. If there are assets. owned and you die, you would have to.

settle your debts often times to get. access to the assets. >> I don't plan on dying, so I think we're. fine. >> Believe it or not, that's not usually. how that works. >> Mhm. >> Why can't you follow instructions? >> I did. >> He has ADHD. He has worked. >> I swear this show obviously attracts the. worst of the worst. >> Um, no, it's been way worse. Okay, I'm. not making all the excuses under the. sun. >> You even reminded him in the green room.

>> What? >> So, muted his phone. Colton's saying, >> uh, I. >> Why would you Can I have some advice? You say, um, don't put a ring finger on. it until all this is taken care of, right? >> May I just advise not to put a finger on. that ring? >> A a finger on the ring? a ring on that. finger. May I just advise that? >> I'm nothing's happening until things get. fixed. >> May I just suggest that nothing happens? [clears throat]. >> You can suggest. >> your opinions are not that. valid. I don't feel like.

>> not that valid. >> No. Or. >> they don't really matter. >> Then why are you here? >> Like opinions on our relationship. >> Well, that's everything right now is. your relationship. >> We're here to get help. M. >> big bag of sh with your name on it. >> Don't shush me. >> Interesting. >> So, the water system. >> What? What's going to happen on the car. ride home now? No cucking for him.

tonight, >> [ __ ]. We're going to go to Bies. >> Of course you are. You're going to blow. a bunch of money on Bies. That's great. What's the minimum payment on here that. usually. >> uh I think it was likeund. and. I want to say 150 maybe. >> So 150. I'm not going to mark it down as. a minimum payment you have to make. Now. why was he late and why did he restart? >> Um. we split up and he wasn't making.

payments. um on the thing. I don't know. I'm going to be honest. He. stopped again. >> Uh, I don't know. I'm not paying it. I. don't live there. I don't live there. It's on my house, >> dude. It's not my house. >> It doesn't matter. It's your credit. It. affects everything you do in the future. debt wise. >> I [snorts] don't know. He He quit paying. it. And I don't know why. He was like. depressed or something. I got him into. therapy and um we ended up splitting up. and like the last three to four months.

of our relationship or if you could call. it that, I was living out of my car. until I got into my next apartment. though. cuz I would I didn't want to be around. him. >> This means literally nothing. You're not. getting a Saab story in. I don't give a. [ __ ]. >> I don't know why. >> It doesn't It doesn't matter. What if he. stops again? Was the question. >> Well, I'm not paying it. That's not my. water system. >> It literally is actually legally. >> Well, I can't go get it. I can't just go. take it out of the house. >> You owe You owe. >> I'm not paying that.

>> It's not I don't want to pay that. >> This is This is again what you were. selecting. This this mature creature, this very mature creature in front of me. is what you're selecting to make all of. life choices with in the future. >> She's not all that. She's not her past. mistakes. >> What? No, she is saying right now she. will not pay for it. A debt that she. would owe on. That's not her past. That's her future. >> Well, I can cross that bridge when I get. there. >> Well, you're literally saying you would. not do it now. And I don't know if the. bridge could hold you. >> That you're one to talk. We're like a 5. lb difference. Calm down.

>> Yeah, with one inch as well. You can use. a couple more, I'm sure. >> One inch is huge, right, my guy? Right. Right. [laughter]. >> That's unfortunate. >> That's average. >> We love an average king. Why do you owe. money to your grandma? That's not. average. >> Um, I got into an apartment that I thought I. could afford and I couldn't.

>> Well, she can't do anything. She can't. do anything. 8,000 bucks, by the way, is. a lot of money. >> It's a lot of money. How much did you. not afford? That's crazy. 8,000 isn't a. month. >> It was like piling up like. >> How many months of rent were you paying? Why were you paying rent? >> I was paying rent. >> That's a struggle. >> There was like I was falling behind. because it was so expensive. >> How much? Cuz 8,000 is crazy. >> So, okay. So, there was a lot of things. like this apartment. >> Oh, you bailed in your lease. >> Mhm. >> Well, that's why. Why'd you bail?

>> Because I couldn't afford to live there. anymore. >> What was your rent? >> 1,400. >> How could you possibly even set up for. that if you were making even less THAN. YOU MAKE NOW? 1,400? PHEW. That's. insanity. >> That was for a onebedroom. >> Okay. Which is like crazy. >> I agree. You're stupid for signing up. for that. >> Well, it was the only place that had. that. It was the only place that would. approve me with a low like deposit. >> Well, >> I didn't have a lot of money out of my. car. okay with up your credit even more. in the future cuz that's going to limit. your opportunities just like that did.

and then you got. >> what's going to limit my opportunities? >> Oh my gosh. Your credit score getting. worse. If this dude doesn't pay and then. you don't pay. >> Like I said, I'll cross that bridge when. I get there. >> Okay, you're obsessed with this bridge. You already told me you would not pay. >> I don't want to pay and as of right now, I wouldn't pay. >> WELL, THERE YOU GO. THAT OBVIOUSLY YOUR. CREDIT [ __ ] you with this apartment. And then you got into a bad apartment. you couldn't even afford, which I don't. even know why you'd sign it in the end, but. >> it had a little yard and I needed a yard. for my pets. >> No. >> Yes. >> No. >> Yes. >> No. >> Yes.

>> I've raised dog in apartment. Two. Two. apartments. One condo, one apartment, no. yard. Go for walks. >> One of them is terrified of going on. walks. I literally have tried to. desensitize him. He's just a freaking. crackhead. I don't know. Like putting a. harness on him, he freaks out. >> Oh my gosh. Then you obviously should. not have gotten that dog. cuz you can't afford to take care of it. >> I can. >> No. No. Objectively, no. Okay. Is there. an agreed upon minimum monthly payment.

with grammar or how does this work? >> No. It's like. >> Well, yeah, we uh set it in our budget. Um. >> budget. You spent 500 more than you made. last month. What budget? >> The one we tried to stick to. Once the year starts, 2026, we have it. set up to put away 150 a month. Okay. >> They want us to put it into like a. savings account instead of paying it. back. And then once we. >> I hate how they do that. It's such an. enablement piece of [ __ ] mentality. I.

get they're doing it out of a place of. love, but it's it's not good. You should. pay them back. >> Okay. What is this? Okay. To someone's. dad. 4,275. Why? Well, 675 for moving, >> 1,400 for dental work. >> Okay. >> Wait. 2,200 for the a onehe. >> that's now 1,900. >> You owe on this one wheel. >> Yeah, I'm paying the payments right now. >> What a joke. What a joke. To your. father. You borrowed money from your. father for the one wheel. What a joke. >> He just financed for me and I pay the.

payments. [screaming]. >> WHAT? WHAT'S YOUR MINIMUM PAYMENT? >> 280. >> And then are you going to roll that 280. into the rest of those debts from the. dental and moving? >> That's the plan. Yes. Oh, you are a. beast. >> Well, I'm getting extra pay right now. So, I was actually do that for you cuz. it's so enabling. Such bad decision. making. >> Why would he even do that? >> Because he he saw how much fun I was. having going. >> I'm going to call him the post show. >> No, you're not. >> Yes. >> No. >> Yeah. >> No.

>> Oh, yes. >> No. >> Why? >> Why? >> I don't think he'll answer the phone. >> Well, we'll double text him right now. Say, expect a call in 30 minutes. I don't. >> Call him. We need to stop this enablement. >> Text him. >> He won. >> There it is. I'm sure he's disappointed in. >> He is not disappointed. I'm paying it. >> Uh-huh. Get the debt yourself then, bud.

>> I'm paying it though. If I wasn't, that's a different story. I'm not having. him pay for it. >> Listen, you guys don't know how to. budget. You're not part of budgeting. I'll put you guys through master your. money. It's our it's our program that. goes through mastering your debt, mastering your budgeting, mastering your. investing, mastering your real estate, mastering your job opportunities. So, we'll put you through that whole. program. Um, and that also comes with. the premium version of the dollar wise. budgeting app. You guys get that. forever. Um, so check that out and join. the community there. >> Thank you. >> Oh, that caleb.com obviously. But, um,

yeah, I also get you guys the Fizz card. cuz obviously you guys can't manage. death to save your life. Good. Thank. goodness. Better be managing it well. >> Yeah, it autops. >> So, you texted him? >> Yeah. >> Good. >> We'll see what he says. >> Good. Now you're nervous. >> Yeah. I love my dad. >> Well, good. And I want him to love you, too, but not by enabling you. This. doesn't change the love. This We need to. get you on a better place and have your. relationship not be abused.

>> I don't think it's abused. >> Yes, you do. You do. You You abuse it. Yes, you do. Yes, you do. Not. intentionally in like a manipulative bad. way, but you are doing it. >> No, I'm not. >> She's not willing to take any piece of. feedback, by the way. Like, I wasn't. even going on her that time. And she's. not even willing to accept it. >> I'm not taking advantage of that. If he. doesn't agree with it, he tells me no. >> No, he's he's think he's doing it out of. love. He loves his daughter. Okay, let's keep going.

What? Just Okay, a list of collections. What the [ __ ] am I looking at? The [ __ ]. am I looking at? Okay. Capital One in. collections. You don't even know how. much. >> Uh, world finance loan. >> Huh? >> That's my legal name. >> Oh, I don't know why that was in there. then. Uh, something fin a world finance. loan. What the is this? Open in 2024 and. that already went in collections. It was. for you and your ex. >> Okay. Yeah. So he when we were together,

he went through like a he tried to do. this debt relief thing and. >> which can be good depending, but you. have to change your behavior as you go. through. >> He told me to stop paying my debt. sometimes they could. Yeah. For. negotiation and it went to collections. >> Yep. >> But you have to go through the debt. relief program. >> But they never told me that they weren't. paying on mine. And they added mine, but. then they said they weren't paying on. mine because he had them remove it. [laughter]. >> Post breakup. >> Yeah. >> Well, yeah.

>> And they hadn't settled. >> Well, that would be weird that it would. be a part of his debt relief program and. process. >> Well, that's what I thought. But they. said they would add it on just for us to. have one payment. >> And so then it was already in. collections. I was like, what do I do. now? >> How much do you have in collections? That's a great question because I don't. know. >> No, you don't have numbers on here. This. is a Google doc where you're just like, >> you know, Wakefield and Associates. Is. that legal? >> Um, how much is it? >> Oh, originally medical.

>> Yeah, it was radiology. I don't know what for though. >> What? >> It was a medical thing. I don't know. what it was for though. cuz. >> How do you not know? >> Because I did I don't know. I go to the. doctor a lot. So, I don't remember what it was for. >> Was she testing her [ __ ] levels? >> Can't you call and like be like, "Hey, >> what is this for?". >> It's already in collections. Does it. matter now? >> Um, well, yeah, it's credit. And none of.

these are old. None of these are that. old. They're going to take forever to. fall off. Credit Bureau Systems 7. >> That's from 2024. >> Is that from 2024? >> Yeah, the medical. Yes. >> Yes. >> I thought Wakefield was from before. that. No. Mid armor accounts 387. Are these in collections or are these. loans? >> Loans. >> Okay. So, what the [ __ ] is this? So, I. uh pet lands. >> I got a dog. I shouldn't have gone. >> Oh my goodness. No, you shouldn't. You.

can't afford a dog to save your life cuz. you owe $8,59 on this WHERE THE CREDIT. LIMIT IS $700. or $7,000. You owe 8,000 where the. credit limit is 7,000. >> I didn't pay on it. >> Yeah. No. What's the minimum to payment. tit? >> I don't know. They closed it. >> Oh, it's so it's it's going to go. [clears throat] to collections. You're. okay with that? You're just going to let. it sit there or you just. >> you're not you're just not going to do. it. You again this this look at this. behavior. Look at her mindset. She. doesn't give a She still borrows from.

mom to go. >> You give a go to the tea place every day. and you borrow mom for. >> place every day and you borrow from mom. for it instead of actually taking care. of your dad ever. >> I'm working on it. >> No, you're not. >> Work harder. You work harder. >> I do. Does he work harder. >> than you? >> Not on his seven brew habits. >> As of lately. >> How frequent is lately? >> This past month.

>> We have when you knew you were coming on. the show. >> In this past month. than in a while, I feel like. So that's. not true. >> No, you made your dad cosign on that. loan and you didn't pay it. You're a. horrible person. >> Coining worked back then. I was. >> It's your second time. How did you not. learn by? >> That was my first time. >> Then then your second then you couldn't. make the excuse for the other one. When. you cosign on the wall. >> NO. WHY? THEY WOULD NEVER TELL YOU. WHY. CAN'T YOU? >> Cuz I didn't know. >> Why do you have no ability for any any. ability? >> I thought it was just for approval, not.

responsibility. >> You can't do anything unless someone. sits you down and holds your hands. You're incapable of doing anything. Yeah. So far, that's what your excuses. have been. That you can't do anything. No, I can do things. >> No, unless someone sits you down. >> My resources or know where. >> is Google? Are you actually stupid? >> I didn't know where to look. >> GOOGLE. Everything is Google. Oh, you. are a What is wrong with you? She Your. kid will die in her hands. >> That's false. >> No, she can't do anything. She'll be. like, I don't know how to breastfeed. I'm going to give up. And that's it. She.

won't look it up. She won't ask anyone. She's just done. >> If she can't figure it out, she would. just. >> My mom's a nurse, so like I know what to. do. >> Oh my gosh. So again, without someone. holding your hand, you wouldn't be able. to do it. >> Yes, I would. >> I'm so broken. >> You wouldn't either. >> Yes, I look things up. You idiot. You. idiot. I learn things all the time and I. don't know. >> Started getting financially literate. >> You idiot. You are an idiot. Piece of. dick. >> Sometimes, but but not always. I just. don't feel like I feel like.

I'm not that bad. I shut the [ __ ] up. better than I did before not opening any. other things. >> Hey, you know what I'm doing right now? You know what I'm doing right now? >> Huh? You know, >> googling. >> You know what I'm doing right now? >> Googling. >> No, this is even better. You know what. I'm You know what I'm doing? I am Uber. eating myself an expensive lunch because. it's in the budget cuz I can afford it. because I DIDN'T HAVE UP MY LIFE LATE. 20S LIKE YOU ARE. >> WELL, YOU'RE GOING TO your 20 lb weight. loss. So, >> it's a salad. You.

>> Well, depends on what's in the salad. >> That's kind ofing stupid. I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use. Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it.

out. Link in the description below. Sign. up for Chime. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. Starbucks is. [ __ ] and a waste of money, and you. already know that by making your coffee. at home and investing the rest. So now. you need to do that with your energy. drink as well. MAKE GAMER SUBS AT HOME. FOR JUST 40 cents a serving. And. honestly, it literally tastes better. And we proved this accidentally via a. blind taste test in our Hammer Elite. show, Fat and Fatter. The number one.

ranked energy drink is gamer subs. >> Literally the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. >> Uh chicken. >> fried or grilled? >> Grilled. >> Good for you. Proud of you. >> A light dressing. Mushrooms. That sounds good.

>> Don't pretend like you graze like your. breed. It doesn't sound that good. >> I love vegetables. My favorite snack is. vegetables. Ask him. >> Ah, yes. A classic snack. Vegetables. >> It is. Cucumbers. >> That's my favorite. >> Celery. >> There we go. Those are actual things. >> They're so good. >> And does he hold you a carrot out like. this for you to. >> No. And your mating call doesn't work at me. Work on me. So don't.

>> mating call. >> Yeah. Now. >> do it again. >> No. Fits you better. >> Please repeat what she just did like 10. times in a row. [laughter]. >> Okay, we have an auto loan. So you your. dad. Well done. >> That usually happens in Arkansas. >> Please. Disgusting. It's Arkansas. the one in. Arkansas, dude. >> He's in Oklahoma. I've driven through.

Calm down. [clears throat]. >> Okay. We have an auto loan. >> Um, it's closed. >> So, this is what you considered paid off. as you just. >> No, no, no. I have a paid off vehicle. >> So, what is this? >> That was like the first car I ever. financed on my own. >> Why is it Why do you owe? >> Because it got totally have gap. >> insurance. So, it's also on your. collection. So, all this is collections. >> Yeah. >> All that. You are a disaster. So, you. had a car repoed. No, it got it got. totaled. >> The first one we got two from that.

place. The first one, my ex at the time. or my ex now, but the my past. relationship, he totaled it and so I got. another one and then I got t-boned by a. city truck, broke my collar bone and it. totaled the car. and I didn't have. >> driving, am I right? >> That wasn't my fault. [laughter]. >> I'm the one who drove through Dallas. >> Shut the [ __ ] up. You're taking it so. seriously. Oh, you drove through Dallas. >> That's a big feat. Okay, that was scary. That's a big feat. A big like. achievement.

>> Is she I have to ask this again. I just. I road trip to Dallas a few times these. past couple this past couple weeks and. it was honestly one of the easiest. drives I've ever done in my life. >> It was awful last night. It was really. bad. >> I will say we almost got hit twice by. people. >> Dude, people don't they don't use. blinkers. They cut you off. It's not. crazy though. It's not difficult though. >> Yes. Defensive driving. >> Texas drivers are awful. No, I mean I when I was in Dallas, the. first moment I went to Dallas the second. time a couple weeks ago, uh the moment I. got downtown, there were two individual.

moments separated by two minutes where. someone was going the wrong way down a. oneway. It was very confusing, but it's. not difficult. I just said, "I'm not. going to crash into you.". >> No, but other people were like about to. crash into me and I had nowhere to go. There were walls on the sides. >> No, I feel like you're just. >> No, it's for real. It was bad. >> She hates that I'm a defensive driver. >> He's not a defensive driver. He's a. scared driver. >> Were you driving or did she drive? >> She. >> I was driving. >> She She drove, but uh. >> Okay. Progress serve. One Progress. Serve. >> How much is it?

>> Uh 275. This one has a monthly payment, so it's open. Oh, this was just open in. August. >> No, no, no. It's um it's a No, but I'm. saying it's a credit building thing that. I had through my like pay portal. >> Why are you doing credit building? You. are literally everything else, though. There's no point. >> I'm trying to build credit. I'm trying. to do better things. >> Yeah, you won't take care of any. collections, >> nor would you pay the water bills. >> Oh my gosh. Are you She is actually a.

child. If she doesn't know how it works, she gives up. She will not do any kind. of semblance of learning. She will not. put in any effort. >> I'm literally in college, so you. >> No, that is being handheld. Again, you're not willing to go out there and. learn yourself. You're in class by. someone else being teaching you. >> They don't teach me. It's online. I have to do it. >> Yeah, you have a curriculum there. Again, you are not if there is a. struggle, you will not figure out how to. do it unless you are not in a pampered. situation where someone is holding your. hand.

>> What? What are you talking about? I. don't know how to deal with collections. I don't know what a. illiterate outside of that. >> But this part of finances is literally. so easy. It takes 5 seconds online. >> I didn't I didn't know what collection I. thought when it was in collections. It's. in collections and it's just staying. there until it falls off. She is a. broken individual. I don't know how. you're going to deal with this. >> He glued me back together. >> No. >> Yes, he did. >> Do you hear how you're talking? No. >> Yes. >> Okay, good one.

>> So, you didn't know what collections. was? >> Do you know what collections is? Explain. it to me. >> It's when you stop paying. >> No, but then what do you do with it? >> You pay it. >> But then your credit's already. So, like, does it even matter? >> Yes. Collections. collections getting. off your credit dramatically improves. your credit. >> Well, I didn't know that. >> You just. >> Yeah, you don't anything cuz you're not. willing to do anything. >> Yes, I am. >> No. I mean, just no. Simply no. You.

can't say that. That is impossible. Now, as far as I understand it via this note. that was just typed to me, the college. that you're going to is being paid for. by your last company before you got laid. off. How the are you going to do college. now? Um, I'm going to a resource center. that will pay for individuals to get a. four-year degree. Um, based on. >> if they accept you, right? >> No, it's a diagnosis thing. >> Okay. And what are you going to be. diagnosed with? >> PTSD. So, like they pay for it. >> Okay. So, it's something that.

>> like it's a rehabilit. >> No, >> I mean, yeah, but you could tell them. anything. >> No, but I you have to have a provider. that you've seen for an extended amount. of time. Okay. Oh, maybe. >> But I could have utilized. >> Sure. But they still have to accept it. And will they pay for the whole thing? >> The only thing I'm not sure about is. because the school I'm going to is. technically out of state, so I might. have to switch to a local one. >> What the I'm sure they have a limited. amount of resources and a massive amount. of applicants. So, I don't know why you.

would be the magical one. >> They have a pretty good program. I mean, I was I got approved for it before, but. I didn't know what I wanted to do. Every. program has a limited number of. resources though. >> Yeah, it's it's like basically they'll. pay for something that will get you into. a career. >> So that might be a certification. Listen, I'll get you. >> It's like a four year. >> I'll get you a certification through. course careers. Many people in the. audience have used it and they've. improved their incomes, got new jobs, got great careers. So I'll get you one. of those. I'll get do you both one of. those cuz you both are pretty low.

income, especially you lower. But yeah, for the area it might be okay. But. whatever. Listen, with that last the. credit building, you owe 275 and you. have a $25 minimum payment. This is more collections $11,000 for. something emergency. >> beriatic. Oh, this is. >> that was that was my stomach. >> surgery. Oh, >> okay. Well, you owe that. Is that in. collections? Yeah. That 11,000 in. collections. I don't know how you're. going to deal with that. Yeah. You got a. lot of [ __ ] done, do you?

>> Yeah. >> Yeah. Well, I had issues after. >> Well, yeah. Emergencies. emergency. I'm. not I'm not criticizing for that. Okay. Synchrony. Who's is this? >> Um is that the Care Credit? >> Uh. >> yeah, that's Care Credit. >> Yes. >> Mhm. >> That's technically him, but it was for. my LASIC. >> Yeah, >> but it's on his credit. >> Yeah, but we pay more than the minimum. every month. The minimum right now is. like 109, but we pay like 150. >> No, the minimum is 109. And you paid 115.

>> last month, but before that. You pay 115 and that 115, by the way, WAS LATE. SO, it didn't even matter cuz. you had a $30 fee added. You [ __ ]. >> You don't know anything. You You don't. know anything ever. There's not a single. thing, you know. >> It's on AC. >> Hey, by the way, this takes 20 years to. pay off. And that's if you actually pay. it on time. So, >> that's what the minimum. >> Yeah. Which is what you basically do. And you did it. It doesn't even matter. anyway cuz just shut the up. When you.

pay slightly a couple more dollars in. the middle, it didn't matter cuz you had. a $30 fee because you pay it late. So, I. don't want to What was this for again? >> Lasic. >> You didn't have to get LASIK. >> Uh I was paying a lot in glasses because. I kept. >> You didn't have to get Lasic. He now. owes 34. Um Okay. 3,000 $339. You had to get Lasic. Come. I get glass. Glasses. Did I get glasses? >> I know how much glasses cost. >> Board sports with a helmet with a full.

face helmet on. >> Hard to do what? >> Board sports. Like sports with a full. face helmet when you have glasses and. then you break them glasses in much. money. >> Okay. Yeah. You get a cheap pair. You. get a very cheap pair. Very cheap pair. meant just for the sports activities. Come on. I've been through this. >> Not specifically board sports, but. >> come on. Come on. >> It was worth it. >> No, this is a cope. You are coping. You're making excuses. You wanted this. >> That's it.

>> And but it was worth. >> and he had to put it on his credit. You've used him. >> I did not use him. >> Um, yes, actually. >> No, I didn't use him. >> Uh, literally, yes. It's there. What do. you mean? >> I didn't do that without his permission. or anything. This was something we. talked about. >> It doesn't have to be against his. permission to use him. >> Uh, I didn't have any credit history at. the time. I kept my credit history. >> So, >> Oh, guy. >> I started. being used in this. relationship so far. >> No, it's not. >> Yes. >> No. Don't project on to me. Just cuz.

>> project can't make as much money as you. >> What are you talking about? This is a. document. This is a document. >> But I'm not using him. That was. something we talked about. >> That's something we talked about. >> I know you talked about it. But you used. his credit. >> Credit, not him. >> Oh my gosh. She's a mess. She's a mess. What am I looking at here? >> It was a credit card. I have. >> was. >> uh. >> in collections. >> No, but I it's not I don't know. It just. says that the balance is due in full, but it doesn't it also doesn't say.

closed and there's no statement. >> Oh, they'll go to collections soon, but. we'll put it down. What is the credit. card called? >> Uh first premiere. >> You're a [ __ ] mess. Okay. Empire. Finance Loan. Yeah, you sent us the. worst screenshot we've ever seen in the. history of the show. So, we don't know. how to figure it out. What the going on. with this? >> Cuz you're incapable of anything. She. can't even figure out how to take good. screenshots. And she screenshot. It was. a statement. >> So, she can't even look up how to do it. >> It was what I downloaded from them. >> Uh-huh. >> It was. >> Tell me what's going on. Empire finance. loan. >> Uh, it's I almost had it paid off, but.

when I got laid off, I renewed it. because it's a draw loan. You can draw. it over and over. >> Yeah. >> Like renewed the whole thing? >> Well, yeah. >> How much is owed on it? Like $700. >> And what's the minimum? >> Oh my god. >> Like 111. >> You're killing this, man. What do you think about all this so far? Cuz we have a lot to go through still. This is a mess.

>> Wait, turn the side again. >> No, I think I look great. You're going to. bully me and then I have to bully you. back. >> But you can't. There we go. There it is. Mouth. Is it enough? >> I don't have meth mouth. I had an. underbite, you idiot. >> Whoa. Why are we throwing around. different. >> Why are we throwing the wrong words? Like. >> you throw around the word. >> This is a finance show, ladies and. gentlemen. We keep it clean here. >> Yeah. [clears throat] Okay. You just. lifted and showed your nipple like.

earlier. That's not clean. I don't know. the last time you took a shower. >> This morning I take a shower every. morning. But also, we're not talking. about ancient history. Lady, >> I don't have meth. >> Women always obsessed with the past in. conversations. >> That's such a misogynistic thing of you. to say. It. >> was also just a joke, but I know people. like you can't handle those. So, what am I looking at here? Hospital. Hospital. Hospital. I'm sure you require. a lot of diagnosis. >> Hospital. That is. okay. You sent the screenshots. Let's. see if you can read.

>> Oh, that's because of um. >> Oh, college taught her how to read. >> Because I do uh treatments at the. hospital for depression. >> Okay. Is that a debt? >> No, it's not. >> Why do I see a balance of $3,395? >> It's co-pays. Well, it says balance. So, this is stacking up balances. >> Yeah. >> Won't they maybe not see you eventually? >> Um, >> if you don't ever pay. >> No. >> Yeah, maybe. >> Mm-m.

>> How do you know? >> Cuz I haven't paid in a long time. >> Yeah, I know. But there's probably a. limit. 3,395. She doesn't pay anything, by the. way. She's um. >> They never asked me for my. >> attach yourself to her. You're. >> They never asked me for and I don't get. physical bills from them. So, >> Oh, she does ketamine. And now I. understand what's going on. >> It's spado. >> Now I understand. You are full. >> It's bravado. >> Dude, how close to the hole are you? You. >> It's Spado. What? What hole? Apparently. you can't find the right one ever. So.

tell me which one you're talking about. >> I can now. I can now. I can now. Sometimes I like. >> Google search with a Google search. >> Yeah. I I learned I learned sometimes I. like to pretend like I'm lost and I go, "Whoa, wrong [laughter] one." But I'm. kidding. That's a joke. That's a very. some some weird hit piece YouTuber out. there is going to see that and think. that I'm actually talking about. >> it's bravado and it's very helpful. It. got me out of a really dark place. So I. I. >> I get it. You love the Khole, >> but they also don't they they don't tell.

me what the co-pays are because they. don't always know what insurance is. going to pay. >> What's this? World Finance. >> That's his. uh I had a uh surgery back in May. And. >> what are you getting surgeries for? Double hernia I had for a couple years. I need. >> What are you getting hernas for? >> Probably boards. [laughter]. >> Yeah. >> Isn't it just one wheeling? You guys, you aren't surfing or snowboarding. We're doing boards. >> Do pro onehe racing whenever I was. younger. >> Don't give that look just cuz you don't. have a skill like that. >> Um I'm talking.

>> Well, yeah, but one, he is talking. Thank you. And two, I don't think anyone's ever heard of pro. onehe. >> Yeah, they have. It's on TV. So. regardless, >> the sports channel. >> The sports channel. My favorite channel. to tune into for my evening news. >> It's on ESPN. >> You don't watch TV, do you? >> Sports. I do. >> It's on ESPN. Look it up. >> ESPN.com. [clears throat] ESPN Plus? Probably. [laughter].

>> But uh. >> Okay. Well, you got a balance of $728. with a minimum payment of 104. I'm sorry. you got hurt. >> Mhm. But uh after the surgery, we just. the. FMLA wasn't covering our bills, so. >> had to take out. This must be you then. You got a 13% interest rate. >> They they tried to give us a 25 first. >> Yeah. >> Well, probably deserve it, but. >> I got it down there and then by. stretching the term probably. >> No. No. They kept calling me and asking. like cuz we sat outside the dealership.

for like over an hour discussing the. vehicle and we ended up leaving because. I was like if you can't get the payment. under 500 and you can't get the interest. rate round. >> payment they stretched the term. >> No they didn't. >> We left. >> There's no way. >> And they kept calling us for weeks and. weeks and weeks. And eventually they. were like okay if we just run it under. him we can get the interest rate down to. this. >> but uh and the payment under five. I was. able to trade in uh. >> his vehicle, >> my car, which was not. >> payment $470 is insane for your guys'. income. Guys, what's this car worth? You. owe $23,316. What do you think it's.

worth? >> Uh I would say probably 21. >> Mhm. >> 19. Yeah. Private sale. So trading. probably 165. >> I mean, it's not horrible. >> No, but you are under so we can't really. do any kind of fun flexibility here. We. kind of could honestly one one thing I. might do is if it's worth 19, [sighs and gasps] you could private sale. it, borrow the difference, and then get. a $10,000 car, then you'll have like a. 134,000 car debt to take care of instead.

of uh uh 23. That could help us. Your. minimum payment would be about the same. But this is too much car for your guys'. income, especially with all your debt. It's It's not even not even close. >> Too much car. M. >> I've made worse car decisions so I can't. >> what you've done. >> Why do I give a [ __ ] Why do you make. this all about you? I'm talking about. his car. You're such an obnoxious. creature. How do you deal with this? >> I can't really speak on that cuz I've. made worse mistakes.

>> Congratulations. Then don't speak. Try. that for the first time in your life. >> Have you? >> Yes, but not when I'm on my podcast. >> Proud of you. You want a gold star? >> Yeah, that's what I seek is her. approval. But uh once I had more credit history. built up, I was going to refinance for a. lower payment. >> Dude, I don't know. I might sell it, borrow three to pay it off, and get a. $10,000 car on a $10,000 loan. At least. that way you owe 13,000 bucks. >> Mhm.

>> Minimum payment will be about the same. interest rate about the same. That's [sighs] something I might do. Might consider that cuz that min it's. rough and you're going to be paying it. off forever. This term has to be. substantial. What is it like 72 months, 84, whatever? Something like that. Nobody knows. Okay, that's great. >> I think it was 72. >> 72. >> Yeah, that's horrendous. >> Should be no more than 32 or else it's. unaffordable for you. That means you. can't afford it. And you certainly can't. afford this. Not even close. And it's. already going underwater. One pay. What's this? Credit builder and other.

credit builder. >> Yeah, that was the credit builder. >> that we already saw. >> Yeah. >> Yeah. It's just in and out, in and out, in and out, in and out. Oh, wait. No, not at the restaurant. I mean. transferring. But then all of a sudden, we do get in here. You go in, you get. some [ __ ] What are you getting some. [ __ ] for? What [ __ ] are we. getting? What are we getting in the. [ __ ] I don't know. >> $6.15 from Walmart. What are we getting? >> Um, I don't know. I cook at home a lot, so. >> I know it ain't carrots. What are we. getting? >> Oh, really? It could have been like a. bag of potatoes. >> No, no, no, no, no, no, no. Probably. potato chips because you went in and you.

actually got something from Walmart that. was likely groceries, but at the same. time, you also got something for $6.15. So, you had like a second little. purchase. What are we getting? >> I don't know. >> [ __ ] It It could have. I'm trying. to think. I really don't know. >> Cupid's lingerie. >> It's where I get my shaving cream. >> Uh, seven brew tic tac shop. Okay. No. more seven brew. Seven brews illegal. Make our coffee at home. Listen, if it. requires You are going to let me talk. for a second, creature.

>> Yeah, that's your beastly noises. We. know. [laughter]. We don't need any more proof that you. were hatched from an egg. We don't. [laughter] Okay. We really don't. You're. making your coffee at home. We can. invest in some good beans and it will. still be cheaper. If you guys are energy. drink people or Gatorade people, like. hydration drinks, you are getting gamer. subs. You are making this for 35 cents a. serving. >> Seven is good as.

>> Here's the don't give a. >> I bought an espresso machine. A shitty. little Nespresso machine. >> I'm doing my pitch. I'm doing my pitch. Quiet now. Quiet now, lady. Here you go. Free samples. Do you guys like energy. drinks? I do. >> Okay, there you go. You make your energy. drinks at home now for 40 cents a. serving. Get your free samples link in. the description below. Gamersubs.gg. Type in code hammer to get them, Caleb. And then get whatever flavor you want. 35 cents a serving. Gamer subs. It's. very good. There's also a hydration. drink version if you're not a caffeine. person. Check it out. >> An espresso machine.

>> Okay. >> It's a little one. It's just like the. little Mr. Coffee. >> Uhhuh. You got an Xbox purchase in here. in this checking account. Checking. account. Wait, hold on. Yeah, we have. Xbox Five Below. Sushi, Guess Who Five. Below, [ __ ] [ __ ] Going and. getting some [ __ ] [ __ ]. [ __ ] [ __ ] Seven brew. Seven. brew. Bakery. Bowling. Boba. It's just you guys spend. so MUCH ON [ __ ]. >> The bowling was a family. >> Shut the I don't give a coffee. Coffee. Seven bruise. Coffee. Brew. Seven.

bruise. [ __ ] [ __ ] [ __ ]. [ __ ] Endless [ __ ] McDonald's. [ __ ] Uh, Cox. [ __ ] Walmart. [ __ ] [ __ ] [ __ ] [ __ ]. >> Funed. Wendy's. Wendy's. Taco Bell. [gasps]. >> Well, you want an explanation? I'm. giving you one. >> I don't want to hear you for the rest of. my life. >> It was for internet. >> Quiet. >> When we moved. >> Quiet. Bor's Nest. More Seven Brew. [ __ ] [ __ ] Venmo. Victoria. Secret. Todd Tik Tok Shop. No.

>> Yes, I did. Mine ripped in the middle. >> No. I just don't want to hear about your. tits. Uh, state beauty. >> It's clothing. >> Tits, tropical smoothie, Victoria's. Secret, Seven Brew, Prestige Man. [ __ ]. [ __ ] [ __ ] Cell. >> rent. >> Door Dash. Bakery. Door Dash. >> Door Dash. [laughter]. Door Dash. Spring Oaks. >> Maybe we better. >> Oh, that was [laughter]. >> Nathan Cellular. Raisin Canes. [ __ ].

Bor's Nest. Spring oaks. Tropical. Smoothie. [ __ ] [ __ ]. 401k. [snorts]. The one we bragged about that we're so. proud of. >> I am. >> Okay. Uh 7,000 bucks. Yeah. Okay. Actually, for your income, no, it's. halfway decent at your age. >> And I'm transferring that into a Roth. IRA. >> Rolling over. >> Yeah, that. >> disaster. Let's see if we can budget. this.

Okay. Well, still brutal. It's about. fourth of your income, even though most. of your debts don't even have minimum. payments. And who knows if you have to. add that $150 for the water system if. you get. by your X $1,1422. What is your rent? >> It's like $4.75 each. >> We're combining as a household, aren't. we? So, >> we also have a. >> Okay. 950. Okay. So, 950. Okay. Gas, electric, utilities, internet, all that. How much for you two? Well, I'm not sure.

cuz we just. >> Oh my gosh. >> It's because we just moved and so all. the deposits are still for like. >> JUST GUESS. >> Probably like I would say that the. electric will probably be 200. >> Split between three. >> Yeah. >> Okay. Internet. Gas. >> Internet's 120. Split between three. >> Gas. Is there gas? Is there no gas? >> Uh probably like 50 a month. >> Yeah. Good, good, good. Split between. three. Okay. So for you guys, 247 phone bills.

>> Oh god, I hate this part. >> Well, let's give me a number perhaps. Would be nice. Would like that. >> So my phone bill is 60. >> Good. And yours. How about let's get it. out because I'm hungry. >> Uh like 360. I'm. >> not even going to ask. Just. 420. Blaze it up. Gas. Vroom vroom vroom. vroom vroom. Drive. Drive.

Uh maybe. 60 a month. >> for me. It's I would say probably about. the same. >> 120. Car insurance is. >> uh mine's 165. >> Mine's uh 110 120. Say 120. >> 285. Necessary food 600. Use the budget from. the cookbook. Use the meal plan that is. included in the budget class in the. mastery your money series. TP fun. Anything else you guys need to. survive? 150 should be good. Medical.

healthcare, other co-pays. >> Um, I go. >> Yes, you do have co-pays. They're. stacking up. What's our co-pays on a. monthly basis? Come on. >> I think it's like 35 per therapy. So, that's like 70 a month for that. And. then this Bravado is like I pay for the. um medication and that's I want to say. it's like 40 a month. >> 110. Is there a gym? >> Yes. >> How much? >> Like 28. It's for the. >> subscriptions. Let's try 40. Pets. Do. they have pet insurance?

>> So, they don't right now. I didn't know. if I should get. >> health. Ages and health. >> One of them's 14. >> Okay. Nope. The other one. >> Seven. >> Health. >> Uh, good. >> Okay, I'll do that. 50 bucks. Pet food. How much? >> Well, I have another one. >> How much or what? Age and health. >> Um, I have. >> age and health. >> He's like two or three and health. >> Good. >> Okay. 100 pet food. That's not the only. one. >> Why didn't you Why aren't you just. giving me how many pets? Ages and.

health, please. Please. >> Nine. Good. >> Okay. Probably not, but maybe. >> Three. Good. And the other one's a. lizard. So, I don't know if you need to. do. >> 150. Pet food. How much? >> Um, probably like 100. >> Okay. Anything else that needs to be in. your budget that I have not taken in. account, please? Now or never? >> Uh, >> um, not really. >> I mean, it's obviously pretty much over. >> Set aside the money for. >> set aside. There's no way you don't have. >> put him into savings. >> No. Good luck. But let's find out. I'll. see if there's anything left over. >> I'd like to save, but.

>> Huh? >> Huh? >> He wants to save. >> Uh, the answer to I want to save is Oh, maybe $4,3422. Listen, probably no savings yet, but. let's see. You have an extra around a. 400 bucks a month cuz you bring in a. little extra with the pet sitting. You're going to ramp that up the best. you can. And you might pick up a second. job. By the way, $400 a month is pretty. pretty brutal on all this because at. $82,569.92.

that we're going to minus the 12,442. Actually, hold on. I want to get rid of. collections as well. H. Okay, let's see. Okay, Dad. 4,275. Grandma 8, $40,000 of debt to pay off. So, it still. takes 8 years. Bankruptcy would be. better, but that isn't clear. family. that does doesn't fix your car. situation. So, the reality is you need. to go bring an extra $400 a month. You. need to go bring an extra $400 a month.

Okay. So, with that extra,200. just about of the 40,000. There we go. Pays it off in two and a half years. So, those are the minimum dollars that. have to be coming in. >> Mhm. >> Really to make any progress on this. Bankruptcy is not going to really solve. much. U might be able to do a. consolidation maybe or debt thing, but. again that doesn't take your major debts. are the ones and that aren't going to be. forgiven in any of these unless you get. rid of your car or your family dies. So,

and we don't want any of that to happen. Okay. I would do the car tradein thing. that maybe brings us down to two years. instead of two and a half. That helps. [clears throat]. >> Then after that six month emergency fund. and we need to catch up on retirement. for the household. You're doing okay for. yourself, but once we do the combined. household, we're dramatically behind. So, we need to really start catching up. on your end. What's your retirement? >> Nothing as far as I see. >> That's not true. >> Oh, well, what? I don't see it. >> Roth and 401. >> Well, Roth IRA, I'm assuming, but how. much are both? >> I have 7K.

>> Okay. >> As of last, >> um, believe that's about 5,000 now. >> Okay. Um, good. Well, we still need to. contribute about 20% to keep us on track. for retirement. So, maybe I'd get a. onemon emergency fund. Now, you need to. go work, work, work, work, work, or get. better jobs, take the course career. certifications. Maybe college is on. pause for a second. I don't know. But. we're doing that doing the car trade and. then we're grinding this out and we're. paying it off in two years. Call it. three years to get a fully funded. emergency fund as well. Then you guys. are living a great life and you're not. even 30 yet. So it's not bad. You'll be.

29. That's not bad. That's a good life. That's a good future. You have to go. bring in more money right now. And you. have to follow the budget. Use the. dollar wise budgeting app. Go through. the master your money series. That's the. plan. And think about the car trade in. situation. Not not trade in, but sell. and borrow the difference. >> Okay. Hammer financial score. Spending in a. budget. Well, you overspent. 0 out of. 10. Debt, there's collection. 0 to 10. Emergency fund. There's nothing. 0 to. 10. Retirement. This is the one thing we. have going for us. So, you are at 10 and. five, right? Right.

>> Seven and five. >> Seven and five. >> And then you're at what? >> It's like seven. >> Okay. my 20 20,000 19,000 bucks for your. income level or usually what are we at. like 65,000 $60,000 before taxes. half the way. we'll double in seven years. Yeah, I. mean we're about I'd say a four out of. 10. Real estate 0 out of 10. So you seven out seven out of 10. You're.

a one out of 10. Click that join button. Join us for the hammer financial auto. post show or the kill whatever you know. Uh, it's it's a fun extra 20 minutes of. every single episode. Join Hammer. Elites. Three premium shows posted every. single day, Monday through Friday. Make. sure to get your hammer financial score. at caleb hammer.com. See you in the post. show. Are the children done talking? >> Who are you talking to? Yo, >> if you would have gone up like two more. levels, we would have had financial. audits first. >> To be fair, he doesn't say a lot. normally anyway. Like, >> is it that he doesn't say a lot or do. you not let him get a word of She.

because you don't have a spine to say it. to her. Camera Elite is the best YouTube. membership on the platform, and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday. Join with the link in the pinned comment. or description below. This is the best. membership you'll ever join, and that's. a promise.