I Hate His B*tch Wife | Financial Audit

How's the marriage? >> Fine. >> I think it's been hard to recover since. last year. >> What was last year? [laughter]. >> What was last year? >> You know, we went through uh. >> I don't know. dude. >> A separation. >> Oh, you guys were separated last year. >> If he's going to be that opinionated on. what I'm doing right or wrong, then be. in it. Support me. >> So, she has an official diagnosis and. you're just like dismissing it. >> So, if you get diagnosed with something. like 15 years ago, does it last forever? I just I think I speak on nothing but.

facts and you just speak on all emotions. and I can't argue with your emotions. >> Who's this person from? I'm believing. her name, but. >> why do you do video calls with her? >> Uh very frequently coaching stuff. >> Uh. okay. Merry Christmas in July. I'm in a giving. mood even for you naughty ones. budget, debt, investing, real estate, all of it. 50% off right now. Not sure where you.

stand? My new and improved Hammer Quiz. does the dirty work for you. 2 minutes. and you'll know exactly how naughty or. nice your finances look. Plus, next. steps based on your score. Take the. quiz, then take advantage of 50% off and. finally fix your finances for good. >> Hi, I'm April. I'm 29 years old. >> I'm Sebastian. I'm 31 years old. We live. in Tyler, Texas. And this is Financial. Audit. >> Thanks for coming down to Austin, guys.

April, what do you do for a living up in. Tyler? >> I'm a server. >> Okay. Well, attorney Yeah, I mean, that. can make. >> Yeah, server, waitress. Sure. That that. could make good money depending on the. restaurant. I mean, I know I know some. people here, my like favorite sushi. places make really good money, but then. there's, you know, you could be at. Chili's and not. Are you at the Chili's. or the nice sushi restaurant? I'm at a. new Mexican restaurant that is just. taking off. Mexican's good. >> No, Mexican's good. It's just usually. not a higher priced food place, meaning.

you're probably not making as much. >> Okay, but yeah, I'm not making as much. actually. >> Okay, what do you make? [sighs and gasps]. >> I I about 500 a week, give or take. >> Why do you look like confused and. dumbfounded and [laughter] shocked and. concerned and basically every human. emotion? Are you sure it's 500 a week? [clears throat]. >> I don't. >> I average average average 500. I think. it's a good average. >> Are you averaging just the bad weeks, not all of the weeks?

>> Are you saying she makes more than that? >> I thought so. Somewhere. >> You think so? Or does she know? >> Okay, so here's the thing. Here's the. thing. >> Would he know? [laughter]. >> No. >> I handled the finances for the most. part. Like I do the budgeting and stuff, so um I'm the one who knows, but I. should know. Um it was. >> He should know. Doesn't he know you're. the controlling Latino wife? >> Not controlling. We sit down. We sit down. I mean, [laughter] come on. And I go through. >> He can't even look at you. He's afraid. of being punished.

>> We sit down and we go through our budget. together. I give him all the. information. Whether it sticks or. doesn't, that's that's outside of my. control. >> Kind of. I mean, depending on who you. communicate, it's different per. individual. If it's not working, maybe. you need a different communication. style. >> Probably. I don't know. Maybe she is. listen better. >> Yes. >> You're getting like war flashbacks all. episode or something. >> Yeah. Like she controlling doesn't. listen to me. Um I just have to kind of.

>> What is she not listening to? >> Uh how I think money should be spent or. things that we can maybe downsize on. And. >> what do you think? What's your opinion? I just think that we have a little too. much that we don't need in life in. general. Like I mean like in our house. like we just. >> What is the person who's trying to be. frugal not get a say? Wouldn't that like. prevent us from being this massive stack. of financial documents? If the frugal. person had a say, why can't he have a.

say? >> He's not frugal. He tries to like he come off as frugal. even like when we talk but then he'll be. the one who's like also making. purchases. So it's pretty back. >> You mean I got to buy something like. [clears throat]. >> but I can't but I can't. >> So is he the controlling one? >> Yes. >> Okay. So I mean that was opposite of. the, you know, intense Latina energy I. was kind of getting in [laughter] here. So how's he the controlling one?

>> I think we're both fighting for the. control. I think that's part of the. issue. Why does it have to be control, not teamwork? What do you mean? So, what. does the control look like on his side? >> Well, like he'll [gasps]. he gets upset at any little thing that I. try to do with the money or like it's. always a problem or if I don't listen to. how he wants to do things or what he. wants to do then it's a problem and like. my opinions on matters of things are not. really. >> perceived well. >> Perceived well.

>> Accept. >> What does that mean? What happens when. you have an opinion? What happens? >> It's not a good one. >> Okay. And that might be the case, but. like what happens when you have an. opinion, though? >> It gets shut down. >> You're just shutting her down. >> Sometimes I'll tell her why it's not a. good opinion. >> You can't even look at her. >> Yeah. What's going on? [laughter] Hello. >> Because. >> now he just forcefully did. >> No, that's usually how it goes. cuz like. she'll look at me like super sad. whenever I tell her no and then I just. have to look up at the face and I'm like.

and then I feel bad for telling her no. or not agreeing with what she wants me. to agree with. So sometimes it's just. easier if I just. >> looking it's not sad, it's mad. >> Yeah. Sometimes you look mad and I don't. like you looking mad. So yeah. So like. I'll tell her that it's not a good idea. because of X, Y, and Z. Or sometimes. I'll just straight up just tell her no. and. >> Okay. But you go do things. >> whether or not she says yes or no. >> Mhm. >> Is this an understood dynamic in the. house that he can just do whatever?

>> No. >> Okay. Then what the like like. >> well like okay for example I didn't know. that you were going to have to give. bleep this money. >> Okay. >> For that trip that you guys took to go. to that meet. That was completely. >> not told to me. I knew that it was. outside. >> How much was it? >> I don't know. >> You don't even know the number. >> No, he didn't tell me. He just like he. told me. >> Who was that? Is that a kid? >> Huh? >> Is that a kid?

>> His friend. His friend. No. >> His friend. You're giving friend money. >> No, because they went they went on a. trip for a competition and um. >> you're competing in. >> He's a He's a. >> What does that mean? >> Oh, she said competition. >> Yeah. >> What does it mean when I say what are. you competing in? >> That's not what you said, though. You. said what the are you competing in? >> Yeah. Was it two different things, right? >> No. >> No. Okay. Just. >> But now I know you're a coach, she said. >> Yeah. >> So that would have been your answer, by. the way. >> Anyway, so he went on this trip to watch. his friend and his athlete compete. I.

didn't know that he was going. >> Who are you coaching? >> College athletes. >> What sport? >> Track. >> Oh, okay. >> He went to watch them compete. This was. outside of his school that what the. school pays for, like their. competitions. And then he calls me when. he's there and he tells me like, "Oh, we. went to the casino. Good thing I won. $100 so I can pay him back for the trip. And I was like, >> so you were going to just gamble. You. weren't watching. You weren't cruding. >> Okay. One, it was multiple things were being.

covered on the trip like recruiting, coaching, and there's other. professionals there. So, it's like I'm. learning from them also. >> Okay. What grade do you coach? >> College. [clears throat]. >> Really? >> Yeah. >> Division. >> one. >> Really? >> [laughter]. >> Yeah, he's really good at it, too. >> And what are you teaching? >> I don't teach anything. >> Coaching, coaching, coaching. Sorry. >> Uh, shot discus. >> Okay, that fits your body type a little. more. That makes more sense cuz I knew.

you weren't running. Okay. >> Okay. >> I mean, there's people like, and you. don't have to look exactly like what you. do, right? >> You know what to do. >> Well, I know, but you do fit that mold, though. Okay. Shock, [clears throat]. right? Wouldn't you say? >> Yeah. >> I would say versus the printer. >> Yeah. Yeah. Yeah. >> Okay. Gotcha. >> You going to be okay with that? You'll. be fine. >> And so, hold on. Wait. And so, yes, we. went to casino, but only went to the. casino because I had never went there. before. And so, whenever you sign up, you get the free play money.

>> What conference? >> Oh, is the uh Are we in like do we. compete the Southland? >> Southland. >> Mhm. >> Southland. That's not SEC. That's not. >> No, [clears throat]. >> that's not Sunb Belt. >> That's none of the It's none of the. power fors. It's like a like a mid major. and there's like one right below that. >> because down here there's sunb belt. >> Mhm. >> It's below sunb belt. >> But it's a D1. >> Mhm. So I wouldn't.

>> Okay. What do you make? >> Uh. >> must not be much at that point. >> Like I bring that makes sense. This is. more of a volunteer position. >> I would say upgraded volunteer. [laughter]. >> Okay. And are you sure it's D1? >> Yeah. >> How often do you guys win? >> Uh, well, all of our sports aren't the. best. >> Okay. But. >> track team is the best out of all of. them. >> Out of all the. >> Well, we went to regionals. So, like. right before this nationals, there's. regionals. And we have athletes that go.

to regionals. >> Went to regionals. >> Mhm. >> Just went. Okay. Very good. >> Didn't you have some athletes win at. regionals? >> Yeah. So, like we. >> What do you make, Sebastian? >> Uh, 2400 a month. No, it's less than that. >> D1, Coach Min. >> No, here the paycheck comes in as 21, I. thought. >> Oh, that 21. Yeah. >> Are you sure it is D1? Do you even know? It's below Sunb Belt. >> It's D1. It just It sucks. It's shitty. pay. >> Yeah, it's just. >> No, I I Well, yes, that is true. She's.

saying it's below 24. >> after taxes. Uh, what hits his account. is 21. >> Oh my gosh, guys. How are you surviving. on $4,100 a month? busting my ass. >> Burly. No, you're not. You're making. even less. >> No, I I do extra stuff. I bring in extra. money. I have to. >> So, now you're making two. So, okay. Yeah, sure. So, what's this extra you're. doing? >> I'm trying to start up a business. >> Okay. That's not doing extra. You're.

trying to do extra. That's. >> But. >> Okay. Who are you coaching for no pay? >> Lol. Um, no. I'm. >> You just audibly said LOL. [laughter]. Like like from your mouth. >> in my head. >> You're 29. Okay me. Yeah. What do you. make? [snorts]. >> Well, it's. >> or what do you do? What are you trying. to do? What the are we talking about? >> Coffee cart business. >> Yeah, there's definitely no coffee. That's not a crowded market at all. Okay. So, what what's so special about.

your coffee cart? >> Actually, a lot is special about it. >> Of course. I'm sure. Yeah. >> Yes. >> What is there? Vanilla and mocha. I. should have brought something. >> caramel. >> No, actually no. None of that. My. bestsellers are Kajita Crunch. Uh. >> the did you call me? [laughter]. >> Keta Crunch. >> What is that? >> So I I infuse culture into my coffee. So. all of my coffee. >> kill myself. >> You infuse culture? No, just tell me. what the flavor.

>> Keta crunch. A kaheta is like caramel. but not. It's made with goats milk. >> and it's like burnt. So, it's has deeper. flavors. >> Okay, great. And your next bestseller? >> Pistachio. Pistachio. >> I mean, I love it. I get pistachio. lattes when it's on the menu. So, it's. Yeah, it is yummy. >> Yeah, I do. >> I just do like a different twist to like. what? >> Well, no. Pistachios everywhere. >> Doing but it's different. So, my coffee. >> Is this one burnt as well?

>> No. >> M burnt. >> No, only Kahita's good burnt. >> Okay. So, what's different about your. pistachio? Well, so like the coffee that. I use, I use cold brew. I make it. myself. Nowhere does cold brew. >> Okay. Everyone does cold brew, but your. beans are different. >> My beans. Okay. I get my beans directly. sourced from Honduras. I'm Honduran, so. I'm bringing my culture into it. It's. really high quality beans. I know other. coffee places use high quality blah blah. blah, but I do. And it's catered for.

experiences like doing events, weddings, skins, things like that. >> It's starting. So, >> okay. See, so shut the up. >> Okay, >> come on. >> You can't tell someone to shut up when. you ask them what did they do. >> I can do when they give a answer. >> It's not. >> That's literally how it works. I. literally I'm starting my business. It's. growing. I'm at a point where I'm. breaking even. I'm not losing money. anymore. Although I still had to pay. back money that I did lost. >> What? >> No. What? >> What? >> No. Tell me what. >> So like I took out uh like a firm in.

order to invest. >> firmed for your business. What else was. I going to do? >> Small business loan. Oh, you. >> Oh my goodness. That's insane. Affirming. your startup cost is crazy. >> But it wasn't that it wasn't that much. It's not like I'm starting up,000. 2,000. >> Okay. I mean, that's a lot of money to. be putting on a firm when that can. acrew at like a 35% interest depending. on what you got. This stack of paperwork.

is huge. You guys make no money. So, you. can't even tell me you're making money. from this, right? your special Honduras. Potachio pistachio. You will great. Well, I can't calculate you will. I can. only calculate what you're doing. How. long have you been doing cart? >> Uh. 4 months. >> Go yourself. What the are we doing? You. haven't made a dime. What are we doing? Okay. So, this is pathetic. >> Well, like the first two months was just. bad. >> Are you going to go work for a real. school someday? >> Yeah, that's the goal. Uh I given it a.

couple more years. >> I don't think so. Now, with your track. record, it doesn't sound like you guys. do very well. I just said we were doing. the best. >> out of all the. >> Well, I just. >> And like in his he does really well. >> So like before you go to nationals, you. go to regionals, right? I mean, you. don't know that. >> Go to nationals. >> There's a lot of people go to nationals. >> We're basing everything off of. nationals. There's lots of people who. don't go to nationals. >> Did you go to nationals? Well, that's. what you're just trying to set up for. >> I'm just saying like you were talking. about other schools like you were naming. other conferences in Texas. I'm just. saying we did other better than other. schools in Texas that from conferences. you've heard of.

>> Okay. Nearly 7% of uh imported coffee. beans come from Honduras anyway. So. >> that's a low percentage. >> I guess, but it's not as like hardcore. unique as like you were trying to make. it sound. Like I thought this was going. to be like less than 1% like this is. going to be crazy. >> I don't know. I don't have that kind of. money to invest on that kind of crazy. sourced stuff. >> Okay. Well, listen. I love the. entrepreneurial mindset. I'm not I don't. want to on that completely. But all. I know is you guys do not make much. money. >> Yes. >> Yep. And you guys fight about everything. regarding finances anyway. Like you.

can't do things. He does whatever he. wants. So it's just like is this what we. should be doing in general? And I know. from the pre-in that of the venture. you're doing, he's kind of growing. resentful of kind of defending you right. now a little. Maybe because he's on. camera and another dude's calling her. out, but he was fully resentful. Why? I. was resentful. >> You don't think I do enough? He doesn't. think I do enough. I don't know what. else he wants to do. >> When it comes to when it comes to that, yeah, I don't think she does enough. But. in terms of. >> What do you mean? I think there's no she. could be doing more on the creative side.

in terms of putting her face out there. for more businesses or people to see. her. >> No, he wants me to post more. >> Yeah, I should be posting more, but I. genuinely like sometimes don't have the. time, mental capacity to like be worried. about a post and like making it perfect. and all these things. He doesn't think. I'm doing enough. I'm doing as much as I. can with my capacity, with my. capabilities for my business, but he. doesn't think I'm doing enough. >> But I mean, you don't care about her. pursuing this, do you? I do. >> What do you mean? >> Like, in what way? >> So, I want this to be something that.

turns into something successful. Like, I've reached out to people to have her. set up her coffee cart at events that. are going on at the school. I let her. know other things. >> Okay, that's fine. >> But what isn't she doing? Because again, in in the pre-in, like I mean, I was. literally told that it was a therapy. session, a full on like crazy therapy. session your entire pre-in. So, like. there's the posting thing that she. doesn't do enough of. Then I tell her I. was like, "She needs to get in front of. people. Not everything can be done just. on social media." So, like there's.

plenty of businesses around where we. live. There's neighborhoods. There's. apartment complexes. There's just people. in our area that she can put a face. >> I mean, yeah, that might be good for. business. Um, and you can give advice, but is she does she want the advice? >> I think she just wants the advice to say. that we communicate. I don't think she. actually wants to listen or do what I. say. ad. business to go pitch myself to people. when I literally have to have this.

full-time job that I don't want to have. but I have because we need to pay bills. you know like you want me to do 100% in. these two things but there's not enough. time in the day. >> you just got your nails and had brunch. all day on Monday. >> which literally was planned it was. planned so far in this plan to do that. but you can't plan to do the stuff that. needs to be done for the business to. succeed. >> I do make plans for the business. >> How much are you helping for her. business? >> You help a lot.

>> I think so. >> That's terrible. Y'all should be You. should be helping. >> MOM, LOOK AT ME. >> YOU AIN'T DOING NOTHING. >> OKAY. I mean, you don't have to. I'm. just curious because if she's like if. she's not putting this time and energy. into things that you think she should be. doing, are you stepping up and having to. take care of things that she's not? >> Yeah. So, I mean, like outside of more. stuff around the house, I mean, do more. stuff around the house, but I help with. the coffee carts now that my season, my. school year is done. So, I do things. like that. How many events has she done.

in this four months? >> Fourish. >> What the. Oh, come on. In four months. Like, come. on. That's pathetic. And I have already. set up like 20. >> 20 over the course of what? Contract. signed month. Contract signed month and. a half. Contract signed. >> Yeah, if that's what you want to call. it. >> No, I would say did they sign the. contract? Oh, you paid to be in the. events. Oh, so it's not they didn't hire. you for it. You're just paying. >> I'm doing a wedding.

I have my Instagram account. >> Okay. >> I don't know. >> Give me your phone. Open your phone. What the are we doing? So you don't have. a website. Okay. So, how much time are. you having to spend helping her with. this then? Which again, you can do, but it sounds like she doesn't want the. advice. Sounds like she wants to be. independent on this. >> I don't think I spend too much, but in. terms of like the posting and stuff, I. spend almost as much time on my own. stuff as I do on hers. So, I'm really. I'm sending her stuff all the time in. terms of. >> which can you can do, but does she want.

Do you want that? Do Do you want him to. do that? >> I want. >> I mean, you can't say you have no time. You spend an average of almost basically. 5 hours a day on the phone. That's this. week. Last week it was over 6 hours. >> I spend my when I'm at. >> Are you on your phone at work? You're. serving. I thought you were supposed to. be making money. >> Whenever it's dead and there we'll have. hours. We'll have like a busy hour and. then we'll be dead for like 2 hours cuz. it's still a new restaurant. I'm just on. my phone. What else am I going to do? >> Well, it's Instagram 8 hours a day. >> Okay. >> Okay. Texting 6 hours a day. Facebook.

for 4 hours a day. What are you doing on. Facebook for 4 hours a day? At that. point, you should have a research at. that point. You should have a website. You should be managing things. You. should be. >> doing a lot of things if you're on it. that much. Tik Tok 2 hours a day. You. posting coffee? >> No. >> Okay. Then what the are we doing? So. that is time you could be doing stuff. That's the thing is the thing is if you. don't want to, that's fine. But it. sounds like he has a problem with it. And do you agree or disagree? Like. >> I it's not I overthink. Here's my thing. Whenever it comes to like posting stuff, I overthink it so much. I have so many.

things on Canva that I've like created, but then I'm like it's not perfect. And. I told him, I'm like, if you have this. much of an issue and like the way that I. would want you to help instead of half. assass just saying like this is what you. should be doing and like I send you. stuff like why don't you can you we just. log in on your phone and can you just. post the stuff that you create because I. don't want to be overthinking like. whether this is perfect for. >> you want him to help with the business. or not. That's what I'm saying. >> I want him to help full in if he's full. in or be in or be out. >> Okay. What's your take? So part of like. all of this is that so we down we have.

one car now and so we rely heavily on. this one car to transport and to get to. the events that we need to get to. So I. we said the agreement was I'm going to I. have to stop Ubering because we can't. just be putting the miles on the car and. then plus where we live we have to drive. out maybe like 15 20 minutes to actually. get orders or people that need to get. going. So I had to stop doing that. >> Are you in or out though? >> I wanted to know the perspective on what. she said. I'm in. >> You son of a I'm in. >> Do you? And you want him to be You log.

in on your phone and just post. Just do. the thing that I'm not good at. I suck. at it. I overthink it. It stresses me. out. Do it. I I love doing the events, being there, doing it. But social media. part, >> well, that's a part of running a. business. Work for someone else that has. a. >> I have a husband who's amazing at it and. he can be in it and he can help me in. that way. >> Can he though? Can he all the way. though? I don't know. >> Literally, all he has to do is log in. and post the things that he makes. >> So, it's your dream, but you expect him.

to do your dream. >> If he's going to be that opinionated on. what I'm doing, right or wrong, then be. in it. Support me. >> I don't think it's right or wrong. It's. you're not doing what needs to be done. to promote the business in the way that. makes us money. Like, I had to give up. what I was doing that was giving us. extra money so we could have. >> It was barely giving us money. It was. wear and tear on the car. It really. wasn't even doing, >> right? But it was more money in the bank. account. I understand that it was wear. and tear on the car, but I didn't have. to ask you for money because I was doing. that. Now I'm having to ask you for. money. My accounts weren't going.

negative. Now they're going. >> aren't making money so far, right? >> I will make money this way. >> It's always Okay. How's the marriage? Fine. >> It's ups and downs. >> Not based the fa on the face she gave. >> It's ups and downs. >> Tell me. >> I think it's been hard to recover since. last year. Um, and. >> what was last year? [laughter]. >> What was last year? >> You know, we went through uh. >> I don't know. dude.

>> A separation. >> Oh, you guys were separated last year. >> and then we came back strong and it was. great and everything and then it just. feels like it's like. >> going towards separation again. >> No, not not to that extent because and I. feel like [sighs and gasps]. I wouldn't just quit on us. >> What was the separation? How long have. you guys been married? >> Two and uh. >> but we were separated last year. So in. our marriage. >> Uhhuh. >> Yeah. >> How long? >> Five 6 months. >> Yeah. >> Are you thinking divorce?

>> Yeah, I was. >> How close were you guys to divorce? >> For. >> Oh, how close? I was all the way in. I. was 40. >> Well, paying for what? >> He's still paying. He has a payment plan. for all the divorce stuff that he had. >> You were going through a divorce. >> Yeah. >> Yeah. So, like it first started off as a. separation and then it just I was like, "Yeah, let's just do the divorce.". >> Oh, >> let's just give up. >> Well, what was what do you I mean, are. you holding. >> fighting? I was fighting for our. marriage. I was literally trying to do.

therapy, trying to do. >> Why were you out? >> I just felt like I had to do a lot of. things to. babysit us in terms of making sure that. all of the job stuff was. >> That's kind of what I'm hearing today. again. >> Yeah. based on your critique of how. she's running her thing that isn't. bringing money but takes all her time. >> Yeah. >> Okay. So, go on. Sorry. You weren't. >> Yeah. So, we were working together and I. think that was a bigger stress. So, like. I had to make sure that she was doing. her job so that way I could do my job. and then it wasn't affecting both of us. cuz if one of us got fired then we were.

both pretty much going to get fired or. we weren't going to be able to do it. together. Um and then just and then I. ended up getting a speeding ticket. So, that stopped me from being a truck. driver. And then so that's whenever I. started coaching. And then she wasn't. loving truck driving by herself. That. ended up being like a whole. >> What the So you guys were probably. making more money. Truck drivers make. money. You guys make nothing. Someone go. be a truck driver today. >> I can't. >> Why? >> I'm going to be real with you. Your debt. is not the same as everyone else's. You've got your own unique mix of credit.

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it before, look out for some new and. huge improvements. Oh, and I have a. special surprise for anyone who takes. the quiz. Click the link in the. description to learn more. Take the. quiz, take advantage of 50% off, and. finally, un finances for good. >> Um, when I was truck driving alone, I. ended up uh driving for a local company. uh doing like rock hauling and stuff. Um, I was making like $2,000 a week. It. was crazy. Um, >> yeah, work is money. >> I was working like 15 hours a day,

waking up at 2 a.m. We were going. through the separation and divorce. I. wasn't sleeping. I wasn't like okay. mentally. Like I was not being a safe. driver. >> Oh, what happened? What did you do? >> So, in a span of two weeks, a lot. Uh, >> yeah. >> What? >> Okay. So, first I got a speeding ticket. The same one that he got actually. It. was really funny. It was a miles over. What are we doing, guys? You're. professional drivers. >> Yes. >> Clearly not. Pathetic. >> I was not okay. >> putting other people's lives at risk.

Those multi-tonon vehicles. What are you. doing? So, speeding ticket. What else? You're making it sound like more. >> Okay. Well, the other things that. happened with the truck, it was with my. personal I hit some animals on the road. >> Um, >> were they just sprinting across the road. or what? >> Yeah. Yeah. >> Who' you hit? >> It was like a coyote. >> Okay. >> The dog. >> A dog? What's wrong with you? You're. evil. I'm not evil. >> Sounds like it. >> I didn't even try to. >> all in two weeks. Come on. Hitting. multiple animals and speeding. >> I was checked out of life. >> Well, guess what? And then you made.

other living things actually check out. of life against their consent by myself. Like I was going through panic. attacks every day. I was in the. emergency room like three different. times. I was fainting. Then why are you. at He left. He left. >> UBER. IF YOU'RE FAKING. >> AT 2 A.M. There's no Ubers around. >> You're being selfish at that point. And. the selfishness had consequences. >> Anyways, I ended up having a car. accident with a truck. >> Huh? >> I had an accident with the truck. It was. a small accident, but that's what got me. fired.

>> No accountability either. It's all. excuses for it. >> It's the reality of the reality that you. chose to do time. I didn't choose for my. husband to leave me and put me through. the emotional turmoil. >> You were going through hard times. You. were going to the emergency room. You. were fainting. If that is happening, do. not get behind the wheel no matter what. >> What was I supposed to do to my. >> not do that because you're going to get. people killed. >> Okay, >> that's all that matters in the end is a. human life. >> Yeah, which is why. >> you're a selfish. >> Okay. Well, if I didn't get fired, I was.

going to quit because I was like, I. can't keep doing this Obviously, I. wasn't okay. Okay. I wasn't thinking. properly. >> Yeah, we know that. >> Clearly. >> No Selfish. >> Okay. >> Come on. >> Yes. I got fired. I have an accident in. my record, so I can't be hired for like. 3 years or something. >> Good. You deserve it. Never put you. behind the wheel again. I'm nervous. >> I don't want to. Anyways, it doesn't. matter anyway. >> You both are insane, >> but we should maybe figure something out. so we can make money. So, I'm okay if. someone of us does maybe get back in the. truck driving. So, >> no, you guys are dangerous. Absolutely. not. You need other jobs.

>> Was stupid. He shouldn't have got. >> Listen, I'll get you a course career. certification. People in the audience. have used those. I'll for both of you. I. don't know cuz this coaching thing isn't. working. uh for both his dream job. I. don't give a. >> Why would I give a You need to put food. on the table. I don't care. Do you have. kids? I understand. But if YOU HAVE. KIDS, >> THEN I don't then. Okay, then you have a. little more flexibility. But I'll get. you course scares again. A lot of people. in the audience have converted them into. six figure jobs. Okay. >> Okay. [snorts]. What? Okay. >> What do you want?

>> Oh Okay. So Okay. Okay. You were. you were one court date away from. actually finalizing the divorce. Yeah. >> Why the didn't you. >> I I realized my biggest thing was I. wasn't feeling listened to. >> Guys, you [clears throat] brought that. up at the beginning of this conversation. that you're still not being listened to. >> Yeah. >> So, I don't think anything's been. solved. >> Yeah. >> So, what? Tell me. >> So, I think I felt like I was finally. being listened to in this and then. >> temporary. >> Yeah. >> And then when I gave up and I finally.

signed the papers cuz I was like, I. can't keep going through this. If he. doesn't want me, he doesn't want me. Let. me just sign your papers. Here you go. do whatever you want with your life. He. he all of the sudden felt like that was. enough to. >> regret. >> No, not regret. >> Really? Because it doesn't sound like. things were better based on what you've. said in this conversation. >> Well, like there was a time whenever. things were getting better. Like she was. being more responsible, more on top of. things. >> Yes, there was a time, but it's not. today. >> I'm just not enough. I'm never going to. be enough. >> Why do you have to be so dramatic about. it? Like. >> no, because that's literally how you. make me feel all the time. because it's.

like a roller coaster where like if I'm. not at my 100% best then I'm not enough. but I can't always be at my 100%. >> There is an in between of like 50% and. 100. >> But you're not okay with that. >> You're not doing 100 and you're barely. at 50, right? >> No. >> Okay. >> Emotionally, >> can you say that there's more things. that you could be doing? >> There's a few more things that I could. be doing. Yes. That's there's always. going to be more that I could be doing, but I'm like always exhausted. I'm.

mentally exhausted. I'm depressed. >> You're always exhausted. That's just. part of being a grown-up. Like that's an. adult. Like I don't understand. Like. that's why I get so angry. And like I. just don't understand how the thought. process of having a kid is possible. If. you're saying you're always tired, >> that can't be a option. If you're, "Oh, I'm depressed and tired. I can't do. anything. My life jobs right now.". >> So you want a third? >> No. What are you talking about? Third, I want No, I want to set us up to. be at a point where.

>> $2,000 a month. He has a joke of a job. It's a hobby. And you Well, I don't even. know. This is pathetic. I mean, you're. horrible behind the wheel, getting. people killed. >> You should have been arrested. Like, what the is wrong with you? >> That's a little extreme. >> Not really. You're putting people's. lives in danger. Let's get you the off. the road forever. Who the off the. road? >> Well, she's off the road now, so for. even your own personal car? >> Yeah, I barely drive. We definitely. shouldn't let you in general going. forward. That's for sure. So you how the. how are you setting yourself up to have.

a kid? I don't see that happening. Look. at the stack. >> With the business growing, it can get to. the point where that will take. >> Dude, she has a dime. What the we. talking about growing. >> There's only one direction for it to go. and that's up. No, it's not. It's at the. bottom. >> Bank. No, no, there's another direction. debt. >> She defaults on her debt cuz you guys. have so much debt and so much spending. and and then all of a sudden. whoopsie. We just don't even have money. to even get the supplies needed to even. go to these events and pay for the. events and all these different things. I. guess that is possible. Yes, there's a.

lot of things. There's You think. businesses don't collapse overnight? >> No, they don't. >> This is a hobby. You have a hobby. You. have a hobby. And the waitressing isn't. doing. >> No, it's not doing I wanted to. stop waitressing. I had the opportunity. to stop. >> Or just wait for somewhere that makes. more money. Dude, no one's going to this. place. Or is this too cheap? Something's. wrong. >> It's starting out. They don't even have. their liquor license yet. Once they get. their liquor license, more people will. come in. And. >> who cares? Why are you supporting them? There it's a business. Go for a better. business. You need to make more money. >> There's nothing else.

>> in our town. There's nothing. >> in our town. There's nothing there's. nothing better. >> than move to a place with opportunity. >> We can't sell the house yet. >> You own a house. What is up with these. people I'm talking to that are owning. these houses and no opportunity areas? Why are you. making. >> You know why it's cheap? Because there's. no opportunities. When we bought it, we. were making people buy. >> There's a college in the town. So, we. thought that that was the opportunity. >> Yeah. We thought if we can. >> This is the college you work at. >> Yeah. >> Well, then clearly that college sucks in. like every way possible.

>> I mean, >> if there's only a restaurant, >> it's not the It's the best restaurant. there. There's just. >> And yet it's like failing. >> They're they're starting out. >> I come from a college town. hundreds if not at least a thousand. restaurants. >> Did you come from a Bay College town? Cuz this is a small college town. >> Also, D1 and it's in the Mac conference. Okay. Similar to the Sunbell. And if. that's doing better than your. conference, then you need to give up.

Can I give like another year or two. before I give up? >> Well, you make no money and she wants to. have a kid and she's aging out. So, >> I am aging out. >> Yeah, but I'm older. So, I feel like. there's a little bit more What does that. have to do with anything? Because if I. can be patient and see what's the aging. out. How long do we have? >> Surgical clock. Yours is fine. Mine is. running out. >> So you saying at like 32 you're done. You won't be able to. >> Probably. I don't I already. >> medicine is better. But there they're I. mean you don't you don't want to be you. want to be young and spry for the kids. >> Okay. And so then I have to get a job.

based on us having a kid, which I. understand I have no problem doing. I. can get. >> You want to have a kid? I mean, you. almost divorced her last year. >> Yes. I want to have a kid, but I don't. want to be the only thing that's holding. the household afloat. And that's where I. feel. >> exactly, which is basically his love. language, by the way, as a coach. I. mean, in the entire pre-in, it's that. like working together, you two together. and trucking showed who you really are. And he can't feel like he loves someone. who isn't making their lives better and.

that you guys aren't on the same page, you guys aren't on the same team, all. the And for someone like him who. is a professional coach, that actually. does matter. No shame he would want to. leave. Want to be with someone who's. actually contributing. >> Yeah. >> He looks down on you. You're not a. provider. You don't do anything. Your. business is a failure. >> It does feel really cuz in your previous. interview, you didn't say you look down. on her, but everything you were saying. is looking down on her. >> Oh wow. >> That is how I perceive it, too. Just so. you know. >> But that might not be invalid.

>> No. I mean, >> and he can't be with someone that he. considers pathetic and not contributing. to the relationship to the. >> which is actually crazy because I'm. busting my ass to bring in the remaining. money that. >> worse because you're busting your ass. and only making $2,000 a month. Meaning. that it's actually worse cuz there's. people that are lazy that make more than. you, >> which is crazy. Oh my god. >> No, that just means you suck. You're a. horrible teammate. >> She used to be in like pharmaceutical. sales and I told her maybe we wish. that's something we should try to get. back into. >> I'm not going to go back to that I.

hated it. I hated it. >> Yeah. So, you hate make not making money. now. You hate making money. At least. money problems would be solved if you. were doing. >> There's more to life than just money and. I'm not going to have a job where I'm. hating myself because of the job that's. so unethical that I'm having to do. >> Right. There's more to life than money, right? >> There is. You guys have to pay the bills. and if you want kids, you need to be set. up for it. And you guys have a lot of. debt. >> And the number one reason why people get. divorced is because of finances, right? >> It's not the number one, but it is a. leading cause. >> Okay. It's up there. >> And if you allow Yes. But you almost got. divorced already, guys. You got closer.

than any couple on this show as far as I. know. >> He just gave up. He just wanted to give. up the. >> necessarily giving up. Like he accepted. the L. And you guys are now like your. like your relationship might not be a. complete failure, but your finances are. And if that's a big part of it, if. that's a big part of it, which it sounds. like it is, like yeah, maybe you guys. did lose. >> Yeah, I that was my mindset for a bit. >> I just don't see how I don't do enough. when I am working. I've always been working.

>> How can you keep on saying you don't. understand how you don't do enough and. then I'm giving examples of how you're. not doing enough? >> So again, in the your like pre-in. therapy session, he was saying or that. he always makes it feel like you're. making him out to be the bad guy. Is. that true? That's what you said. >> Oh, me? Yeah. >> Oh, yeah. I think if I don't agree with. what she says, then I just turn into the. bad guy. If I don't 100% support every.

single idea that she has, and then I'm. just the negative Nancy that just poops. on every plan. >> And that's kind of crazy cuz you're. supporting his. insane dream job. That is And. he's supporting your insane dream job. That is You guys are. supporting each other in your lunacy. >> But I whenever I took the job, I was. also Ubering to make up for money that. we. >> more high school coach. Yes, that's. something that is being thought about. and I'm working through trying to figure. that out. >> Like if you guys are already supporting. each other in your lunacy dreams, then.

how can you say he's the villain? >> I never said he was a villain. >> You make him feel like he is, though. >> And he makes me feel like I'm not. enough. Clearly, we're both doing. something wrong with how we're making. each other feel. >> Are you enough? >> Yes. >> How? >> I'm pretty great. I work hard. >> But you don't bring anything to that. hard. Okay. >> Isn't it results not the actual working. that makes the difference in the. >> I don't know how to better structure. myself in order to get better results. but instead of criticism maybe I could.

use some guidance and some help. I know. that I'm not. >> he's not a professional business owner. How is he giving that? >> Well, but then don't give the criticism. if you can't give the help. >> It sounds like he is trying for what. it's worth. >> He is trying and I do recognize what are. you talking about? You specifically told. Lindsay that he does not meet your. needs. What is that? What does that even. mean? >> Well, like emotionally and stuff, you. know, like in a marriage, like I want my. husband to support me lovingly, not to. always be like a father who's like. looking down on me, criticizing me.

>> Well, yeah, that might be his coaching. nature. What What is this not meeting. needs? That happens. >> I want to be loved. >> Well, tell me. >> I want to feel loved. Like, you know, >> examples, lady. >> Okay. And I've been telling him this. When we started, it was like a fairy. tale. Not a fairy tale, but like. >> welcome to every relationship. >> Okay, but like why can't we get back to. that? Like why can't you hug me? Why. can't you give me kisses? >> I have to ask for it. I have to ask for. it. Why am I having to beg my husband to. give me affection and attention? Why?

That doesn't make sense. You're my. husband. You should want to give me a. kiss when I come home. You should want. to give me a kiss goodbye. You should. want to wrap your arms around me. You. should want to take pictures of me like. you used to. But you don't because I'm. not enough. >> You're losing me as a picture thing. But. at least give it. >> an us thing. It was an us thing. >> So like I do. >> honeymoon face. >> I hug her. I kiss her. Do I smother her. in hugs and kisses like she wants? >> No. >> No. But I'm always having to ask for it. >> Just because you just cuz you ask like.

first thing when you come in through the. door doesn't mean you have to always. ask. >> No, I always ask. >> That's like me saying I come home. where's dinner? I don't have to ask for. dinner. I can just make it myself. Like. give me a second. And I will give you a. hug and a kiss. Right. >> But you But you don't. >> And but Okay. >> No. Like literally lately I get home and. I'm like, "Let me see how long it'll. take. Let me see how that's how bad it's. gotten." Because in my head I'm like, "Does he even care to give me a hug?". >> I mean, >> like, does it does it even matter to. him? >> I'm gonna argue with that. But if I see.

you every single day, we wake up and. sleep together like we sleep in every. single day. I don't think I need to. welcome you home like you came back from. war with a hug and a kiss. Unless I'm. wrong in that logic. >> Yeah, you're wrong in that logic. >> We're not like friends living together. We're husband and wife. >> You work even half a mile away from me. I stopped by the restaurant to see you. on like twice a week for lunch, >> which is nice. I do like that.

>> Okay. >> So, like again, I don't need to shower. you with hugs and kisses every time that. I see you. >> But that's okay. >> A concern here. I thought you both said. you work your asses off, but you sleep. in every day. >> Because I've been trying to make up for. that time that I've missed out with her. when I work. Shut the up. Been gone a. lot. >> Then shut the up. We sleep in every day. Shut the up then. You're pathetic. >> Wake up at 7. >> Shut up. >> This has just been the past. >> Shut up. Come on. Come on. That's great.

How often you guys? >> Three times a week. >> What then? What are you talking about? >> Three times a week. >> So, you're getting affection, you're. getting love, you're getting touch, right? Unless it's just like he's not. looking at you and it's just like, you. know, like an animal. >> I like the lights on. So, like that's. >> There's been times when I ask for it and. I get rejected. Well, that's going to. happen sometimes. >> This happens a lot.

>> Okay. Well, but if you're at three times. a week, I don't I think you're okay. That's a healthy amount, right? >> Once or twice a week lately. >> So, it's going down. >> Don't be dramatic. Okay. >> Well, Lindsay is saying that she said. she feels constantly rejected. >> Constantly. >> So, >> so what does that mean? >> That means I put myself out there. I try. to like start something and then it's. there's always an excuse. There's always. a reason of why not. When I try to. initiate, it gets shut down. Every. single time that I try to initiate, it.

gets shut down. So, I have to wait until. he feels like it. >> Well, yes. Both have to feel like it. >> That's not crazy. Like, every single. time. But. >> if I don't feel like it and he wants it, then I'm going to get myself in the mood. for him. >> Okay. You're better than me. I don't I. don't know what to tell you. Um, >> I will say there's a mathematical. equation here. If we're just talking. basic biology, if he wants to, you don't. want to, and you say, "Okay, that's 30. seconds." [laughter] If you want to and. he doesn't want to,

>> I could be like a 10-minute marathon. that he has to. >> actually, you know, cuz whenever I'm in. the performance grade A stuff and you. can't argue with that, >> what I was saying, I was just saying to. get him to come, it's like 30 seconds. You're you're a mission. >> I'm not. >> You're an easy comer. >> I make it a whole performance. It's like. it's not something that I just jump in. and out of. So like it takes. >> Give me your phone, buddy. Okay. This is background.

Black people in anime. [laughter]. >> You don't like anime? >> No. It's just always the thing. It's. very interesting. >> So like, why do you mean black people? Like. >> No, black people in anime. It's very. interesting. They're. >> like the only ones who like it. >> No, but every single time. >> black people tend to like anime. is. definitely following very goony content. on Twitter, I will say. >> Mhm. >> Like there's some booty shaking and. like that, which is a little. interesting. Then booty booty booty says. everything on.

everything on. X so far is soccer and ass. Okay. Use X. >> Huh? I don't use X. >> Okay. >> Um, there is a guy, he sends like stuff. and I have to. >> Huh? >> What? >> I have a. coworker. that sends stuff. >> Sends what?

>> Stuff that's not appropriate. >> Where? >> On Instagram. >> Okay. >> WhatsApp, maybe. >> Huh? >> So, that's just where some. >> You said WhatsApp. >> Mhm. >> What? What? just booties and boobs. And why? It's. just his sense of humor. >> I think I know who you're talking about. [laughter]. >> And Brad and I are both gooners, but we. don't send each other.

>> You know, that's not how you pass time. >> Is that what he sends? >> Sometimes. >> Oh my god. >> Okay. You talk to a lot of people on. WhatsApp. Why? Uh part of recruiting. Okay. >> He's always recruiting. He's always. working. >> Who's this person from? >> I'm believing her name, but. >> who is this? >> An athlete. >> Why do you do video calls with her?

>> Uh, very frequently. >> Talk about coaching stuff. >> Uh, okay. Yeah, some of it is coaching. talking. It's a little interesting. You've met her a lot. Picked her up a lot from the airport. >> She's from a different country. >> Uhhuh. But why? What's your relationship. with her? >> My athlete? What's my relationship with. her? >> She's your athlete? Yeah. She plays. there. >> Yeah. >> At your school. >> Yeah. >> But she lives in Germany,

>> correct? >> Okay. You guys text a lot, but Okay. I. just didn't know student athletes and. coaches texted this much. Is this lot? Listen, I I haven't seen. anything like alarming. Is this It is a. lot of texting, which is very weird. But. maybe that's normal. I don't know. >> I think um. >> it's always the women. Why Why aren't. you texting the men that much though? >> That's something that I tried to figure.

out. I The guys don't talk a lot. No, you're not texting them as much. >> I call them, but. >> But you're really texting these very. attractive women a lot. >> But they're kids. >> They're not kids. >> I wouldn't say they're attractive, but I. guess I can see how someone else would. >> What? Come on. But she's attractive. What the are you. talking about? What are you? Come on. Done with that. What's this? >> What is it?

>> Olafly. Olafly. Oh, just it looks like. hinge, but I guess it's not. Okay, that's good. Oh, that's concerning. >> I do think that he invests more time. than necessary. into literally every. >> Maybe. Maybe not. I'm not I'm not 100%. sure. It's just It was just It's just. interesting that it's always the young. women, you know. >> Sure. >> What's the gender split on your team? Uh, >> I have two guys and four girls.

Uh, and then next year I'm going to have. four guys and seven girls. Whenever I. travel I'm gone for three or four days. of the week and whenever he's home he's. working. >> and that's from the start of the second. week of January. >> Makes sense. But. >> so like the whole second semester I'm. pretty much gone half a week. >> Well, there wasn't really anything too. concerning on his phone, but he's around. these attractively. You're not concerned. with him traveling? >> No, it's just the fact that like he. doesn't know how to balance like his. >> work job. Either you support his dream.

job or you don't. I don't know what to. tell you. >> But he gets home and he's still working. >> Okay, >> he doesn't stop working. >> But part of it is that I talk to. international athletes and so the time. zone in Germany or in New Zealand are. drastically different than times here. So I have to be on my phone. >> What is this other woman that I have in. my notes? >> Who is she? >> The job. >> Oh, okay. Okay. Okay. Hey, what do you guys think your.

uh financial score is? 0 to 10. >> five. >> Before we keep going, quick word from. today's sponsor. Look, every business. owner right now is hearing the SAME. THING. YOU NEED AI. YOU NEED AI. YOU. NEED AI. OKAY, GREAT. But if your. financials are in one place, inventory. in somewhere else, HR is a mess, and. nobody can get a straight answer from. the data, AI is not the problem. your. systems are. That's why today's video is.

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each other are the controlling ones in. the relationship, like how do we get. anywhere? I don't know. How do you guys. communicate on money? Like all this all. this right here. You said you know it. He doesn't know anything. So where's the. communication on the money? So she tells. me this is the plan and this is how. things are going to happen and I trust. her and I say okay. So I send her the. money whenever she asks for it and then. whenever I need money for. >> send the money. Why are we not combined? >> We had we had a combined account when we. got married and we just never used it. and it got out. >> Why should he have to send money? That's.

weird. >> Because it's just easier. >> No, it's not. If everything No, it's. actually not. It's actually easier to. budget as a household if everything goes. into one account. >> I'm down. He just didn't care to use it. or do anything with it. >> He just never got back to doing it. again. It was just because like we had. the same job before, so our paychecks. were the exact. >> How can you manage off of two accounts. that you just don't even see insight. into? How can you manage the household? >> Because most payments come like I just. pay for it. He only is in charge of the. internet and the car insurance and his.

credit card minimum. So when he gets. paid every month, he keeps what he needs. for those payments and just sends me the. rest and then I pay everything else. So. it's just easier because he was really. bad at making payments. Like he would. end up like making late payments and. things. >> So how do we talk about the money. though? You just accept it when she says. these things. >> Yeah. She has it written down and we. look at it. >> So she would be the controlling one. then. >> Yeah. >> Because I organize it. I'm the organized. one. So. >> how can you say he's controlling then if. he says you can't spend money?

>> Well, yeah. Well, you're the one. managing the money. I'm conf I'm really. That dynamic is just so confusing to me. And you guys spend $400 more than you. brought in. >> So, like I think I She says I'm. controlling because like I don't I tell. her she's not allowed to go to the. grocery store because anytime we she. like. >> what that's a list of two items, she'll. always get 10 items. Like it's never. ever has there been a trip where she. goes in for exactly what she needs and. only gets those items or less. It's. always more. So I said, "No more going.

to the grocery store.". >> So you go to the grocery store then? >> Yeah, most of it. >> Well, that's weird to not let your wife. go to the grocery store. >> Why? >> We have a conversation around budgeting, around what we're able to spend on, and. we allocate from there instead of just. saying, "No, you can't go to the grocery. store.". >> I understand that, but if it saves an. argument of her just constantly keep on. doing the same thing. >> You know what an argument is? That's. just avoiding forever and letting a. build and then blow up to another one. more meeting before divorce again. >> I have no problem just going to the. grocery store. Sure, but you're gone.

sometimes. >> Oh, he's talking about. >> often times. A lot. You're gone a lot. >> Whenever I come back, I make sure that. Sunday I go to the grocery store and get. what we need to do for the week. I plan. accordingly. I say, "Hey, I got this for. you for the week or I got this for me. for lunch.". >> You for the week for me. This is so. weird. Maybe she is right that you guys. are more like roommates than. a married couple. >> Yeah, I think so. >> You're good with that? That's what you. want? >> No, that's not what I want. Like, >> well, it seems like you're the one. encouraging it with how you're managing. it. >> You're trying to stop an argument. because I feel like we just communicate.

just for the fact of just saying that we. just talk. Like, no thing actually comes. out of our communicating. >> When we were given actual tactics of how. to communicate, you don't want to do. that stuff. >> That's not true. >> So, spoon conversation, things like. that. >> I need to hold a spoon in my hand. tactic of how to communicate. that we were taught yet we don't use any. of these things that we were taught. >> Okay. So when we did therapy before and. the therapist said we came to the. conclusion that I make everything just. sound like a sol a suggestion and not an.

actual answer. >> I changed the way that I said things. I. made more decisive statements. It was. either yes or no. Uh and then once I did. that, you still weren't listening to me. And then I told you I didn't want to be. that person that's just yelling at you. to make sure that you listen to me, even. though you said that's the only way that. you listen. So I changed how I. communicate and nothing changed. So holding a spoon does not give me. faith that all of a sudden we're going. to learn how to effectively communicate. >> Okay. [sighs and snorts].

>> That's just one example of different. things that we were taught on how to. better communicate. >> I understand that. And I gave you. something that we actually went to. therapy for. >> Therapy? That therapy that we did like. those two times like. >> Oh, two sessions. Come on. That's not. And she wasn't a couple's therapist. She. was my therapist that I was like, "Can I. bring my husband in?" Because. >> you shouldn't do that into individual. therapy. >> No, you're talking about I'm talking. about the first one, the premarital. therapist. >> It was like one thing one.

>> Okay. But I'm saying. >> before we got married, before there was. actual issues between us because we were. still issues, >> but at Okay, I do recognize so for the before. everything went down last year. We. almost got divorced. I was living in. Dulu land thinking like nothing was a. problem. Everything was fine. >> Wait, really? Were you bringing up. issues? >> He would bring things up like. >> you were just ignoring them. >> No, cuz how are you bringing them up? >> Jokingly sometimes. >> How are you bringing them up? It's his. answer. >> I say I don't think that this is a.

healthy way of going about this. I think. this is taking away a lot of. >> uh Okay, for example, when we were truck. driving, >> she would constantly stop for a lot for. whatever reasons, whether yeah, pee. brakes. And then the pee breaks turned. into she was having conversations with. her family members and she had to solve. a lot of problems. >> Driving? >> No. And so she had to stop driving like. pull over to help out with whatever that. the family had going on. And so. >> they used to be very dependent on me. >> on and off. That's not a problem. But it. was every single day. And so whenever.

she's only allowed to drive the eight. hours that she's supposed to, that puts. me behind on the hours that I need to be. driving to make up like for. >> But did you actually bring up the issue? >> Yes. I said that you needed to stop. just acted like nothing. >> He would say things like maybe this is. not the right way to handle this. Maybe. we'll. >> And do you not get the hint or you're. >> Yeah, I was. >> at the time. >> Are you not? >> No. >> How How are you not then? >> Now I actually like take into account. what he's saying and like look. internally and like. >> really cuz he's afraid to start.

arguments. >> I don't know. >> He's afraid to have conversations. >> I don't know why he's afraid to. And now. I actually have conversations. Before I. couldn't even communicate. >> No, he doesn't. You do. He doesn't. >> Yeah. >> No, he doesn't. No, >> because before I would like I can't I. don't know what to say. I would shut. down. And now I actually speak up. I. give you my opinions. I tell you what I. don't like, what this, that, and the. other. >> No, every time he brings up his honesty, he just says, "You're mean." That's what. he said. >> That's what he needs. That's what he. likes. Because when I was nice and he. never listened to me, so now I have to.

be and I have to be mean for him. to be receptive to Is that what you. want? That's how we feel like that. >> What are we doing right now? What are. Why are we just being nonsense? >> Yeah. >> No. Like who would like I tell you what. needs to be done. You reply back after I. lay it down on how it needs to be done. You say, "I feel like I'm not enough. I. feel like I don't do enough. What I do. isn't enough. And it makes me feel like. I'm not good enough.". >> Yeah. >> That's what happens whenever I say how. we need to do better.

>> And so whenever you reply with that, I. don't what am I supposed to do? I just I. think I speak on nothing but facts and. you just speak on all emotions. and I can't argue with your emotions and. that's why I just stop arguing and stop. talking. >> It is true. Emotions are impossible to. argue with. It really is. >> cuz this is not logical. It never is. I. mean that is true and I deal with that. every day on this show. >> Your feeling is a feeling. I think I. take a lot of what he says into. consideration, but it doesn't separate.

the fact that we're in a marriage where. feelings do matter. >> Feelings do matter. Yes. And he. completely disregards the feeling. But. if the feeling is the entire argument. and outweighs a reality of a situation, that becomes an impossible conversation. >> Maybe we've been having a lot of. impossible conversations because I've. been very emotional lately because. things have just been really, really bad. >> again. So, we're headed towards that. divorce again. Why are things really, really bad? That's what I tried to ask. at the beginning. You guys can't answer. If things are really, really bad. What. is it? I need insight into this. household. Guys,

>> what's really bad is that I just don't. think that she does enough. I was. relying on her to take off with this. coffee card. Not even take off. Like, I'm okay with. >> delusional. >> I don't want to say where it's at, but I. was putting faith that she was going to. be putting more work into it to be at a. better place. And that's not what's. happening. >> It doesn't always have to be just me. who's putting in all the work. >> So, I'm not doing anything. >> It's exhausting. So, I'm not doing. anything for your business. >> No, I'm not talking about like you doing. something for my business, but like it's. summer vacation. You don't have as much.

workload as you did. But what are you. doing? >> I sent you a whole like sheet of. companies and people that we need to go. talk to to take off with this business. Did I not? >> But you just give ideas. You just give. ideas. Did you like make plans? >> Did I give you this stuff? >> Yeah. And so I think we can agree that. my strong suit is not talking to people. and putting a bubbly face to these. people, right? >> So why is that not something that you.

do? I present the idea to you on this is. who we need to go talk to and you never. follow up on any of. >> because my schedule's already full. >> And then how you don't even know how. many like events that I have signed you. up for that just didn't go through. >> I do because I got the calls that they. didn't. >> Oh, that's right. I did put your email. on there so you do know. Actually, I'll. take it back. Sorry. I just feel like. >> that I signed up for that he thinks that. I'm sitting there and not doing anything. but I actually am signing up for events. and. >> that's the thing. You're just only. relying on farmers markets like you're. not actually getting up and walking and.

talking to anybody. >> Like there's so many people that you can. actually meet in the neighborhood in the. town and you're just not doing that. >> Well, you said you were going to go like. figure out the Rotary Club thing like. months ago and you just yesterday told. me what you figured out with that. >> Okay. Okay. So, actually it was a. misread of mine at the beginning. I. honestly thought this cuz it was weird. It was like you're like, "Oh, I want our. business to do so well." And you're. like, "Oh, he has this dream job. I. really want that." And you're it's like. I was like, "Wait, what actually is the. problem?" You see, no, this is a. complete disaster. This thing, this.

passion project, this business, you. guys, this is like the fight. >> Yeah, it is because even before like up. to this point that. >> I think. >> this is I mean that's insane. That. entire like I zoned out there for a. second just how you guys are being. She. was I think the all the products that. she was buying I thought was overly. expensive. Like I didn't know anything. about like any of the coffee stuff, but. I just looked into it for a little bit. I immediately found her uh cheaper. coffee that she could be using without. sacrificing the quality. I found her.

cheaper coffee cups to be using. So. every like from the very beginning, I've. been finding cheaper ways to do what. she's been doing. I think I've been more. than helpful in everything and I haven't. given her a hard time about that stuff. I got frustrated because it seems like. I'm always finding the cheaper way to do. something or to maximize. >> upset about helping me. >> I'm not upset about helping you. I'm. doing literally everything I can to help. you. I just want you to take initiative. charge in your business. This isn't my. business. >> I'm doing You're doing like 10% and I'm.

doing the other 90%. >> 10% I'm doing saves us so much money, >> right? And thank you. But just because. you're having to do 10%, you're bitching. and whining about it as if like I. shouldn't have to do this. >> I shouldn't. I I shouldn't. I don't ask. you to come help me with my job. That's something I took on. >> You don't want to be involved in the. coffee car. >> I have no problem helping you. >> Yes, you do. You clearly do. That's what. you literally just said. The 10%. [laughter] you don't want to do. >> No, I said the 10% because you minimized.

the 10% like it was nothing. The 10%. saved us a whole lot of money. The 10%. is putting you in front of more people. >> I will not ask for help on the coffee. cart. >> You need the help. You're not doing. anything. >> I'm not doing anything. I'm not doing. the other 90%. Cool. >> The 90% the once a month. >> It's going to I've booked pretty much. every single weekend from now until the. end of August. >> Yeah, I agree. You did. You did do that.

>> because it was the only dates available. I would have been booked more previous. to now if the dates were available. >> Okay. So, why are you only relying on. farmers markets to sell the stuff? >> I'm not I'm also trying to venture out. and do the weddings. I have a wedding. booked. It's just the first of many that. are going to come. >> Who's the wedding with? >> Your athlete. >> Okay. So, that wouldn't have been possible. without me, right? >> Yeah. I'm not I'm not minimizing the. help that you do give. I'm saying the. little help that you give, you and. moan about it. So, don't help.

>> Okay, then the coffee cart is never. going to succeed then. >> Oh, because I can't do it without you. >> You haven't been? >> I have been. >> You just went over how you're not making. any money and then it would have been. worse if I didn't find cheaper solutions. on everything that you were already. doing. For so long, you couldn't tell me how. much your cups were. >> No, I did tell you how much they No, eventually you couldn't tell me how much. the supplies cost you. >> because I didn't have it in front of me. I'm not memorizing every single little.

thing, but I have things written down. You asked me if you're in the middle of. doing something. I can't pull it up out. of my ass. If I don't know it, I want to. give you an exact number. >> I just thought you would know the. business on the back of your hand on. terms of how much everything cost. >> Memorize all these things. >> Yeah. >> No, I have it written down. I'm. organized. I have it written down. because I know I don't have the mental. capacity to be memorizing every single. little thing. >> Okay, you're just organized just to say. you're organized. You're not actually. doing anything with the organization. >> Okay, >> did that answer any questions?

>> I mean, in general, honestly, guys, that's the disagreement right now. That's the fight. >> That's one of the fights. >> What's the other one? >> Oh, what's the other one? >> My emotional stuff. That doesn't matter. >> No, I guess it does. as if it's a fight. What's your emotional You crazy. >> I've been depressed. >> He doesn't get it because my brain. decides not to make certain hormones. That's how depression works for some. people. >> Maybe it's not just I'm sad. It's. literally kind of But this feels like.

something wrong with my brain right now. >> I get it. But so far it's sounding like. a self diagnosis. >> No, it's been diagnosed and I just I I. understand. He doesn't get it. He's. like, "These things happen and you. should still be able to do everything.". It literally is so hard to just get out. of bed every morning. >> So, she has an official diagnosis and. you're just like dismissing it. >> So, if you get diagnosed with something. like 15 years ago, does it last forever? >> Yes. No, maybe. >> Yeah, baby. It's a diagnosis. Just.

because I don't go to therapy. >> like regularly because we can't afford. it doesn't mean that the diagnosis. disappears, >> right? And so, yes, I guess I'm. completely dismissing her depression. uh state right now, but the way that I. look at it is we're not in a spot where. we can just be. >> allowing it, >> doing nothing. If you can identify your. problem and you're not doing anything to. make the problem better, then it just. feels like you're an excuse using that. as an. >> excuse myself every single day to just.

get out of bed and do the things that I. need to do to go to work to do I have to. do that too. Even the very you are not. going through this. >> So what does that look like in the. household? this conversation, guys. How are you surviving? If he doesn't. even believe in your own diagnosis, how. do you make it from here? >> I don't know. >> I couldn't do that. >> I don't know. >> I mean, a real diagnosis is a real.

diagnosis. Yes, I agree. There's lots of. Tik Tok diagnosis. >> Like, is that not incredibly dismissive? Borderline just bad as a partner? Is it? Is it? >> Repeat your question. I don't know for a. second. >> Is that not just bad as a partner? >> Yeah. >> Then why are you with someone that. doesn't even believe in your own mental. health That's real diagnosed. When. was it diagnosed? >> Before I met you. >> Okay. I just didn't.

>> What's your point? I just never saw. anything or. >> Okay. So, this is the deal. Anytime that. work situations get really hard, coincidentally, something with her. mental state always is correlated to. that. >> Then why be with her? >> Yeah. Why be with me? Why'd you come. back to me? >> Cuz I thought things got better. Like. you talked about how you had a better. work ethic. I mean, I saw that you had a. better work ethic whenever you were at. that trucking gravel place whenever you. got the accident. But I just thought. that things would just keep on getting.

better. And so like you taking wanting. to do this coffee cart put you in that. position to have. >> coming back to me was writing on life. just continuing to get better instead of. like living normal life with somebody. else as a partner where things go up and. down. >> I understand things go up and down like. I'm not delusional like not everything. is always going up but why is it every. single time that you have a rough time. at work you always say oh I'm depressed. Well, you can't use it as a crutch, as a. fall back. If you weaponize it in the.

relationship, >> it sounds like it a little. If you have. a tough time at work, you can't just be. like, "Oh, my depression.". >> I think the real debilitating. >> No, it's trigger. So, what triggered my. depression is the fact that I'm a I'm a. waitress and I have men all the freaking. time hitting on me. And I tried and he. didn't want me to. He told me to stay. He didn't give a damn that I was getting. hit on at work. >> You didn't care that she was. uncomfortable getting hit on at work? >> No, he didn't. He laughed it off. >> He made a joke out of it. But if she's.

uncomfortable, that's not good. >> Why would somebody be a waitress or a. bartender then if they're thinking that. they're not going to get hit on? >> Yeah, maybe. But if she's uncomfortable, wouldn't you support that? >> She had another chance to get a job at a. church. The church is an hour and 15. minutes away. She said she would take it. if she stayed at her mom's place that's. not even 10 minutes away from there. All. of a sudden, she had the chance to take. the job and she said, "I'm not gonna. stay at my mom's anymore if I do that.". >> No, that's not what I said. I said, "Do. you actually not care that I stay at my. >> mom agree on what happened?".

>> No, he's just like making the words. whatever he thought it was was being. said, but what what was said is I just. asked, "Are you going to be comfortable. with me staying at my mom most of the. week and being away from home?". >> And he said, >> he just No, there was no answer. It was. a back and forth of like, "But you said. you would be okay with that." So, >> I just wanted to know whether you cared. or not. part of what was going on. We. were actually at conference, so it's. like our biggest track meet of the year. So, she was sending this to me while I.

was doing that at the same time. So, I. could have misread her text message, but. I know I replied back with the deal was. that you taking this job was that you. were going to stay at your mom's, right? >> Yeah. >> Okay. So, then how is that not an. answer? >> Because I was asking you. >> I said the deal for you taking this job. is you staying at your mom's. >> Okay. How is that not an answer? >> That's not an answer. >> Kind a little. I mean, it isn't the most. clear. No, but it's like you can get it.

insinuate kind of like the when he was. trying to tell you to do better before. >> he cared whether he would want me to. come home like every other week or. something and then eventually I said. that would you want me to come home. every other week and things like that. and he was like the deal was for you to. stay there. So clearly you don't care. that I'm not home. You don't care if you. don't see me. >> I think dude just gets down to business. Yeah, money is pretty important. >> Okay. Not really. You're doing D2. activities to. >> Well, I said I'm also working on a way. out of that, too. So,

>> Uh-huh. >> But, >> okay. This affirm has $3,46.84. on it. Minimum payment is 60223. essentially, and it's for It's. Amazon, Nike, Uh, some. grocery. You were affirming groceries. That's That's where we are, guys. Come. on. >> It was for the business. >> No, well, that's stupid. You're. affirming for your business. That's. not a good sign. >> Okay. Just. business It's. all stupid. IT'S WHAT ARE YOU DOING?

>> I don't know. >> Are they all in paying for financed? >> Some of them have been paid for, but. financed. >> Are they payin for? >> Oh, finance. Finance, finance, finance, finance, finance. >> So, we're talking like a 36% interest. rate, ladies and gentlemen, for her. business that makes no money. 36%. interest rate. The S&P 500, one of the. best indexes you can be a part of. Average is 10% a year. That's considered. a good return. She's at a 36% LOSS. IS. IT REALLY that much interest rate? >> I don't I didn't think it was. I thought. it was likely. Pull it up. Pull it up. Pull it up. Pull it up. PULL IT UP.

[screaming] AND I want to see your. Amazon, too. >> Okay. >> Dude, it is literally so stupid. It is. the stupidest disagreement I've had on. the show. A coffee cart. What the out of. everything. We've had cheaters, we've. had abusers, we've had everything. It's. a coffee cart that is causing this. issue, guys. It's so stupid. >> So, it should be easier. >> It's the dumbest thing for you guys to. argue about. I don't understand. It's. don't get into it or do. >> Mhm. >> Just like, come on. It's a hobby.

>> That could be a big business one day. >> Could be, but it's not. And you guys. don't make money, so just shut the up. Yes. 36% interest. There you go. Figured. it out. You just don't look at and. you do it. So the big business could be. someday. No, you're a big business for a. firm. Okay, that's what you're a big business. for. You don't even look at the. you're doing. There's 18 things in her. cart. >> that I'm not going to buy. >> Then why is it in your cart? So you just. that I might want to buy that you might. want to buy at 36% interest cuz she look.

at the interest. >> I saw the total price that it gives. So. if it's it was like $26 extra like. things like that. >> Yeah. spending so much on the. business on here, but it's just listen, you're putting so much money into this. business on Amazon affirm. Here's your. things uh from the Amazon cart. A lot of. it's for the business. A lot of it's not. as well, but a lot of it is. And it's. just so much stupid business. Here's her. very guys, her super special. Nobody. else does it. Uh. >> I have not seen anybody else. >> Her special little sauce is a sauce from.

just Amazon that she gets that anyone. else can get, but they don't. So, she's. not like homemaking it or like home or. they don't. They don't. That's why. That's why it doesn't have like 500 five. star reviews. You Yes, people are. getting it. >> Shut the up. What are you talking. about? >> I haven't seen any other coffee shops do. a kaheta drink. >> Girl, you live in a town with two. restaurants. No You're not. a coffee shop right down the street then. and tell me that they have it. >> Yeah, they don't have it. >> They a singular coffee shop that I pick. up. >> Yeah.

>> Like many I've been doing a lot of. research. Not many people do the kaheta. It doesn't matter. It's just it's a. flavor. Okay. >> What's it called? Kajeta mamada. >> Kaheta. >> Kaheta mamada. >> Kamada. >> Kamada. That's what the flavor is. called. >> No, my Well, yeah. The kaheta period. >> Oh, there it is. Um, let's see. Uh, okay. In the area there's Mñan. Coffee, Dame Cafe, Verarac Cruz, All. Natural, which by the way, that's not. even like a that place is a chain. Brew.

at home. Yeah. No, shut up. It's. everywhere. >> Okay, >> girl. You're in Texas. It's everywhere. You are what Texas looks like. Not me. You. So, don't you can't say did your. research. We just did that in 2 seconds. >> Just because of a handful of them also. do it doesn't mean. >> Oh my god. Okay. The goalpost are really. being pushed now, aren't they? >> Okay. I do homemade syrups. Those are. homemade. If you want to land a. high-paying job but don't have.

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financial. What's going on with this. guys? >> Um, >> this is insane. This is $18,791. >> All the debt we had before we got. married and we had actually paid a lot. of it off. >> and. >> it doesn't make any sense. I don't. understand doing that. Listen, we have. personal loans with incredible rates and. everything at calebmer.com cuz I like. good debt, >> but it doesn't make sense for people. like you to get into. And that's what I. preach. I like credit cards, but not for. you. You're not credit card people. This. makes no sense. Why consolidated debt if. you're not going to fix your behavior? Cuz then you're just going to end up. with double the debt. >> Yeah. At the time, uh, we were truck.

driving. Well, I was still truck. driving. So, um, consolidating, we had. gotten better at paying off debt. We had. actually. >> gotten better, but I haven't fully fixed. the behavior, >> right? We didn't fully fix it, but we. thought it was the right option to do at. the time cuz we would just knock that. out quickly. >> And. >> so why if we have this high insane. minimum payment, high balance, probably. bad interest rate, oh really bad. interest rate, basically a credit card. to 24%. If we have this, why the are we opening.

businesses that don't make money and. investing money in businesses and that. investment, by the way, is all on 20 34%. interest 36% interest rate debt. Why are. WE DOING THAT IF we can't even pay off. the previous consolidation? Huh? Huh? Can someone answer that? We can't even. pay off the previous consolidation. So, we take out an investment in a business. at 26 36% interest that doesn't make a. penny. Huh? >> That is a good question. >> Does anyone have an answer? Is there an. answer? Is there a logical conclusion. here? No, there isn't. Where is it? Tell. me, please. I can't find it.

>> I think we were desperately trying to. figure out what to do in. >> That's not the answer. That's not the. answer. Why? No, no, no. No, no, no, no. If you're desperately trying to figure. it out, why is the answer take out a 36%. interest rate debt. >> on something that makes $0, please? Instead of like, well, there is building. a business which takes money of which. you did a 36% interest debt. That is an. option out there. There is like ANOTHER. OPTION CALLED GET A [screaming] JOB. >> I TRIED. >> You tried. No one hired you. >> literally. >> Okay, go to another town. You guys.

bought in a town that has zero. opportunity cuz you guys are. >> I was applying to jobs in the towns that. were like an hour away. >> and you have to move somewhere. You have. to move to DFW or something. You have to. move to places with opportunity. >> Apply for jobs in the DFW. >> Okay. Then you're a broken individual or. your resume is completely broken and you. just need help. >> probably. >> Okay. Everywhere. Dude, Silver Goat has. it and there's Silver Goats all over. Austin. Cafe Java has it. Um Plaza. Colombian coffee here has it. Dame Cafe.

>> Good thing we don't sell in Austin then. Okay. >> But that's the thing. You're saying no. one has it. And that's just a little. part. That's Austin is the uh Dude, even. Fort Worth has higher population than. Austin. >> Yeah. >> This is a basic thing. Yeah. San. Antonio, Houston, Dallas, FORT WORTH, ALL LARGER. POPULATION cities than Austin, >> right? But we don't live anywhere near. those places. >> No. It's an example cuz you said no one. else does it. Yes. Even here in a. smaller city, everyone [clears throat].

else does it. So up near you, yes, there. are places who are not special. How much. was the church willing to make area? >> Uh, it was going to be 21 an hour. >> Why the won't you get that job? >> It was part time. >> Good. That's what you need. You need a. part-time job on top of what you're. doing instead of start starting this. business. >> That was the goal. And I was told not to. take it. >> by him. You weren't. We just went over. how I didn't tell you not to take it. >> He didn't say that. He didn't say that. Come on. We did go through that. So shut. the. >> It doesn't make sense. You were. literally your thing that was making. zero dollars you took out a lot of debt. for. So it's like obviously getting a.

job would be better than that. >> That was the only job in this entire. time that I got. >> Nope. Actually, you made negative money. So nope. >> You made negative money. >> I went to work as a delivery driver in a. pizza place because there was nobody. else. >> Perfect. That's a job. Do that. >> Yeah, I did that and now I'm getting. more money than I was doing that. >> No, you'd be doing that in adjacent to. what you're doing now. No coffee shop. again. Her choice was take out 36%. interest rate debt on something that.

doesn't make any money. Deliver pizza. Deliver pizza makes money. I would. deliver pizza. >> Barely is still more money than debt. [laughter] I don't understand. How can. you not understand? >> I don't understand how you don't see. that. I'm still working a full-time job. like I was. But instead of the coffee, >> I'm saying you keep the full-time job. here and instead of getting the coffee. cart, you get the part-time job. It's. not against your full-time job. How many. hours a week you working?

>> Not the coffee. >> It varies. It varies. It's lately it's. been I do double shifts most of the. time. >> Five, six days a week. >> How much? >> What is that? like, >> oh my god, >> 50. Let's say 50 60 to 60 hours a week, >> dude. Then you're 50 to 60 hours. >> No, I don't think that's cuz you're only. working. You're not even working the. full days. >> You're making 60. >> I am working full days. >> I'm working two of them are like full. days and then the rest $8 an hour. >> It's I work on tips. I work on tips.

>> On average, you're making $8 an hour. Then you need to go guys, you have to. move somewhere. There is just a certain. There is a reality and it's capitalism. socialism, too, cuz it's still connected. with it. Doesn't matter. That town's not. entitled to have you. You're not. entitled to have that town. You need to. move somewhere with opportunities. That's the reality. >> Yeah. >> That's it. >> But that means he leaves. >> We We We He makes no money. I don't give. a He'll go find literally a high school. job in any large metro that will pay him. double. And Texas. >> That's fine. Once he gets to the point.

where he's has a certification, >> he's in a D2 He can go a But. that's not like my issue. My issue is I. just feel like I can't rely on you to do. what you need to do in order to take. care of your side of. >> I have been taking care of my side. Bills have been getting paid. >> You just we just went over how much the. infirm. break. Just put it on magnet. Do you. know how you know how magnets work? >> It's not very sticky. I just didn't. think things would be falling off. It's. not sticky. >> We don't know that it's a magnet. It's.

not sticking. >> Okay. >> Magnets are not sticky. They're magnets. >> I didn't know it was a magnet. So, we. just went over how you took out all of. that money on a firm for your business. >> Yeah. >> So, I think that shows that I can't rely. on you on terms of how the money is. being spent. I trusted that you had it. under control or knew what you were. doing with that. I guess I mean, I. should have asked more questions. whenever you said that you didn't have. much more money left in a firm or you. had so much in a firm, but that's that's.

my fault for not asking. But I didn't. think that. over $3,000 was an infirm. Not to. mention the interest rate that was on. top of that. >> I showed you. >> I asked you multiple times how much. money was being spent. >> And I showed you. I literally have shown. you. >> Sapphire Preferred. What is this? What's. going on? >> Uh that the leftover from that is pretty. much what's like left over from our. wedding. >> Mhm. >> Put a wedding on. Guys, you don't do. anything that's not debt. This still. takes two six years to pay off if you do. minimum payments. Now, you do a little.

more than that, which I don't even know. if that's the right strategy. When we. have other things to pay off that are. worse, i.e. a firm, higher interest. rate, and lower balances, it makes sense. to pay them off in both the avalanche. and snowball method. So, this makes no. sense. But interest is acrewing at. $34.56. You owe $1,540. at a $49 minimum monthly payment. You've. had uh I believe two late fees this year. so far. >> Yeah. >> For why? Oh, >> what the is wrong with you guys?

Pathetic. >> That's why I started paying the bills. cuz he would have late fees a lot cuz he. just. >> And you're not reliable either. >> Yeah, at least I pay the things that. need to be paid on time. >> You are made for each other. Neither of. you are reliable in what you do. two. late payments isn't. >> Yes, that's extra money that you then. >> I understand it was a mess up but just. saying someone's reliable for just. messing up once or twice a lot more than. >> twice by the time of the fourth month of. this year which is when this statement. came in. >> fifth month. >> So it's like by continue that average.

you'd be at like four or five by the end. of the year. >> right and so that's. >> except not because she took it over. because you're pathetic. >> Yeah. I just need that. >> you can't manage it. You can't even. coach your own life. I was I was trying. to rely on her to help me out with that. and. >> which I do. I make sure that bills are. paid on time. >> Okay, Freedom Flex, why are we. purchasing on a card that we're only. making a minimum monthly payment that is. accurate interest that we cannot pay. off? >> I think that one's mine and it's. groceries that I purchase on that card. >> I think. >> Brookshshire's.

>> groceries. >> 14 hours of groceries. >> That's how little groceries we buy. >> You weren't allowed to get groceries. >> Probably when he was gone at a time. I. mean, it's not a strict rule like she. >> sounded like it sounded like there's an. extreme lack of trust. Okay, groceries. aren't a thing you can't get, but why. are you getting them on a card that you. can't pay off that is acrewing interest? That makes no sense. Why make it even. get worse? Why didn't you have any. money? Where's the money going? That. doesn't make any sense. >> Bills. >> Bills. That might have been just No, I. don't know. >> Other bills. >> Okay.

>> Or minimums. >> or like $250 going out to eat. Unknown. shopping and another $250 need. at least $100. So potential. minimum $600. How can you not have any. money? There you go. Spend it on. What the you talking about? Other large purchases $745. I don't even. know what that is. That could be. It could be not. Could be. half. Who knows? But at least $600 on. >> No You didn't have any money. >> Yeah, >> that's what happens when you spend money. on.

$1,18251. higher. than your previous [clears throat] month. because you spent. >> Yeah. >> Doesn't matter if it's for groceries. You chose to put it on there and it's. acrewing interest. Going to be hundreds. by year end. How much did you guys spend. on that wedding that you had to put on a. card? >> Oh, what was it like? >> Oh, you guys have credit one. Of course. you do. >> That was my first. >> 15 credit. 15,000. Dude, you guys. couldn't afford that to save your lives.

>> when at the time we. >> Is that even that crazy? You guys just. can't afford. >> At the time we were. >> truck driving, >> so it wasn't an issue. >> Yeah, but why are we putting on debt. then we're still paying today? >> Because when we got those credit cards, they had like that special where like we. get like 5%. So we ended up getting. like,00. >> Yeah. Yeah. But you did that then you. pay off the credit card. That's why you. guys aren't credit card. >> If the job stuff like didn't happen then. it would have been paid off for and it. would have been. >> Yeah, there was a plan. We were We were. really good. >> Speeding tickets relentlessly and run. over living things. Yeah, who would have.

thought? >> Okay. Credit One, one of the worst. credit cards ever. $47.98, $30 minimum fee payment. Interest, fees, it's all Yeah, credit one's the worst. >> Yeah, it was my first credit. >> It was my first credit. >> That was your first one. >> Mhm. >> Living the Mexican dream, aren't you? >> Okay. Capital One. >> Yes. >> Whose? >> Mine. >> Okay. Only making the minimum. >> Right. >> Right. I also use that for groceries. >> Why? And an interest acrewing card. Cuz. you don't have any money cuz we spend it. all on $310.98.

$25 minimum monthly payment. >> Very low. >> Interesting. 28.99%. interest of death. M NMF or. [laughter]. NFM. What is it? >> At a furniture store. >> Why? Oh, you guys are just you're. everything. insurance premium. You got. insurance in your sevenyear payment plan. furniture. You guys are. >> I got that when we were separated and I.

was. >> go to Facebook. >> Yeah. So, you should go to Facebook. Marketplace regardless. >> But I. >> Guys, your argument for I had money so I. could get it. Yet, you still put it on a. credit card. That makes no sense. >> I paid half of it up front of my the. purchase I made. >> I didn't $56 the same bed. good Facebook. marketing. >> $56. >> mattress. >> I know you wouldn't really need to or. want to, but like when I moved down to. Austin after sleeping on an air mattress. for 6 to9 months while I was paying off.

debts, >> then I went and got like a $400. mattress. It's not the greatest thing in. the world, but I could that's what I. could afford. Do what you can afford, not what you can't. >> Could afford it? >> No, cuz you put it on a credit card. No, cuz you put it on a credit card. Just. like your wedding. No, cuz you put it on. a credit card. Shut the up. $56 a. month minimum monthly payment insurance. premium on it $1,254.19. owed. uh is deferred interest acrewing.

No, you're g to Oh, you're getting. interest acrewing on it. Oh, because. it's deferred and it will hit Oh, in. like two months. [laughter]. Hundreds will be added to that balance. You guys are And you didn't even know. that, did you? No, >> of course not. Okay. United card. What's. going on with this? Oh, we're spending. on a card that we can't pay off. Is it. for groceries? >> No. >> Oh, great. Uh. >> oh. Basically, max out at $46769. with a minimum monthly payment of 40 at.

a $500 limit. What is it? >> A spectrum. We put our utilities on a. card that we can't pay off that is. acrewing interest. Why pay penalties on. your essentially interest on your. utilities? Why do that? That's stupid. I. thought we were paying that off. Like I. thought that the money for the utilities. was going on there and then we were just. turning around paying that. >> No, not with your $40 minimum payment. I. mean, your utility payment is $65. This. is going up. >> Oh, that's where the internet. >> and then interest acres on that. And. then also this card must have a annual.

fee of like 219 or you've had late fees. or both. >> I got it cancelled. I Well, it was. supposed to get cancelled. Nope. We went. to the bank to get it cancelled and. >> nope. You guys are so irresponsible. You. don't follow anything that's happening. Okay. Care Credit. Who's this? >> Mine. And it should be 0% interest. >> Well, the So is your furniture thing, but there's deferred interest. So, let's. see what happens with this. $3,515. What happened? >> That was I had gotten Invisalign years. ago.

>> Oh my gosh. Years ago. Still paying for. it years ago. Four years to pay off. You've paid interest of $141 this year. But um so there was like 2 months once I. lost my job that I couldn't pay and I. made a deal with them. >> They closed it down and they said it'll. be 0%. >> doesn't happen again. We have another. credit one who. >> uh mine. >> Guys, this debt is extensive. It's both. y'all's fault. Don't try to blame each. other like you did in the beginning. You're both. >> $39.54.

90 uh 54 cents with a minimum monthly. payment of Oh, we're past due. Oh, we're. past due 3 months. That one they had. given me uh. >> it's a $30 normal minimum payment you. owe 999 because you're stupid. >> They So we did a thing where the credit. protection the credit protection. So. they paid for the minimums for the past. 6 months and it was supposed to keep. going and it didn't keep going and they. didn't tell me that it didn't keep. going. >> Why should they have to tell you? >> Log in, manage your finances, use dollar.

wise. >> No, I did. I called them and I said, "Hey, like can we get uh I need I. continue need the help. >> and they said yes." That it was going to. continue to happen and it didn't. >> Who has $52,142. of student loans? Why are you only on a. $56 a month that that's just going to. acrue interest forever? You're never. going to pay that off. >> Yeah, I I know. >> Probably income based because you have. no income because you're D2. >> Yeah, that's exactly it's on income. based. And so I was I was making a chunk.

a dent into it. And so. >> bleeping at what school do you work at? >> Never heard of that. >> So part of the reason why like it's so. much is that I. uh. >> Why would they go D1? This it's a money. suck. Uh kids are paying more for their. college so they can be D1 and fail at. everything. It makes no sense. So. stupid. So what degree did you get? >> Uh communications and then a minor in. kinesiology. Sure, why not? $52,14969.

monthly payment of course only. uh [gasps] more interest acrru almost. [laughter]. you you more interests in 10 days on. this loan than you make on a minimum. monthly payment. Your minimum is $56.28. income based stupid. because of course pathetic. Yeah, literally just went D1. That's. crazy. Are they the worst conference in D1? They have to be.

>> No, there's lots. There's lots of. conferences in D1. >> Are they the worst conference in D1? >> No, I don't think so. I mean, there's. lots. I mean, >> they have to be. >> No, there's plenty of other worse ones. Just. >> Aren't there like 10 conferences? >> No, there's lots. There's lots of. >> Well, I'm just thinking about the sports. that matter. >> Sure. Like I mean, >> football, hockey, baseball, basketball. We got. >> maybe soccer. >> Soccer. >> So, of the ones that matter, there's. like football has power five, really.

power four now. Really? Power two, actually. And uh and then uh the group. of five, >> of which the Southland does not exist, >> right? So, I mean, in terms of those, then yes, they're way worse than all of. those. >> Oh that's brutal. Cuz like I I. went to a group of high school and they. weren't good. >> Yeah. >> Great at hockey, decent at soccer, really bad at football. Then you're. telling me you're worse than them? Good. luck. Why the kids having to pay more. for that That's pathetic.

Who has the Chase checking account? >> Mine. >> Dude, you're literally $317. You started. 15 divorces, man. This is the worst. thing I' I've What of has ever ended. with $317 on the show? That's crazy. >> Is that mine or is that yours? >> No, not mine. >> Guys, this is insane. Something closet Ace Hardware. selling out money. This is. >> Oh, that's mine then. >> Recurring Netflix zel.

>> That's you. You have Is that mine? >> Oh, you're the divorce her. Apple bill. Home Depot. Ross Stores. Marshalls. Affirm. Affirm. Affirm. Affirm. Affirm. >> That was mine. >> Home Depot. Restaurant. Fang Cha. Affirm Amazon. Affirm. Affirm. Stupid. Affirm. Recurring. Apple. Started negative, ended more. negative.

Some You've overdrafted like. 30 times this year. This is insane. Your. Chase not even much better. Started with. six bucks, ended with 55. Or actually, nope, that was her savings. Went from. six bucks to 55. Even though she's. overdrafting and losing all benefit. Your checking account ended with $23. Not much better. Amazon. Amazon. I think what's you talking about the. payments like what the charges? So. >> yeah yeah yeah why.

why exactly. 7 weeks ago? Is there a $40 payment to. divorce service? >> Well because it was on a monthly payment. plan. Oh, that's your previous. Peacock, uh, Marketplace, uh, Cable, AMC, Sonic. Drive-In, Midnight Craving. At least. he's not going negative, but you're. still spending all your money on. Stopping in getting some.

Probably some energy drinks. Get Gamer Subs instead. It tastes. better. I promise. Amazon. Affirm. Zel. So stupid, dude. >> What? Oh, a car. Yeah, that's our car. >> What is it? >> It's a GMC Terrain 2016. >> 15% interest rate. >> No. >> Yes. No. Pay off. What's the interest? >> Yeah. No interest. >> So, this is like to a family, >> a friend. Yeah. >> Great. $5,950.

Uh, minimum payment. You sometimes do. 250, 200, 300, 300, 300. Okay. stupid. [laughter]. Good death. Collections $30,000. >> Yeah. >> For something. A car. Apartment. >> You got repo. >> Mhm. Of. >> two repos. Of course you guys did. You're made for each other.

City. Uh yeah. So 30,000 repos. Insane. >> That's just one. >> What's your other repo? >> Both of them are under the nine. This. open. Yeah, both of them are under him. What was that? >> Here's the mortgage at a 7.3% interest. rate. Jeez. Yeah, I would sell this. You'd get a lower rate anyway. Well, maybe not with your guys' credit. $172,657.34. What's the house worth? >> We bought it for $179. >> Monthly payment $1,751.

FHA. >> All right, guys. >> So, even if we wanted to sell it, we. can't until next year cuz we got to wait. 3 years. So otherwise we pay the. minimum. >> You guys do that. Why harm yourselves. with the home purchase? Americans. obsessions hurt them constantly. It's so. stupid. It makes no sense. You guys are. financial morons. I'm so done. I'm so done. So income. Oh, your side. job doesn't count. 4,100. All right,

let's get these debts. Obviously, we. know the mortgage that is 1,751. Collection's nothing. could sue you for. that. Should sue you for that. You know, they'll garnish your wages potentially. They'll get a court order. Seen more and. more of that on the Caleb Hammer show. Link below. People are loving that. >> We thought that their like insurance or. whatever. Um, >> what. >> took care of that when cars get repoed. and it just like shits on the credit and.

disappears? >> No. As far as I know, I don't know what. you're talking about. Is there something. I'm missing here? something different. happened that I wasn't aware of? >> No, we our my thought was we can barely. afford it as is. Like we couldn't. So, we had to do something to get rid of it. and I'm going to follow up with them to. see what I need to do to like do like. low monthly payments. >> because it was. >> What's your gas, electric, utilities, everything combined? >> Uh. >> 300 300 300 to 400?

>> 300. Yeah. 350. >> Okay. Phone bill. >> 375. >> What's wrong with you guys? Once you pay. off your phone, switch to Helium. If. T-Mobile's good in your area, it follows. that same kind of service. >> But that's with your family and. everything, right? >> Yeah. >> Well, do they pay you? >> Oh my goodness. God, >> when I can't pay. >> gasroom vroom, drive how much? >> Uh, it ends up being about. 60 a week. No, not even. 250 a week cuz.

we don't drive that much. >> 250? [clears throat]. No. >> 50? >> 250 a week? >> 50? Oh, okay. 200 bucks. Car insurance. >> 163, >> guys. Your house is literally worth one. Yeah. What you bought? Like, you would. have to write a check to sell your. house, even after the three-year thing. Okay. Uh, necessary food, 600 bucks. Use. the meal plan. Use the meal prep. That's. based on HB pricing. It's perfectly. fine. Walmart, all that good stuff. works. TP fun. Anything else needed to. survive? Toilet, paper, toothbrush, changes every single month. What the. category is for, but it is $200.

Medical, healthcare, their co-pays, monthly basis. Oh. Um, yeah. So, it goes. through his. Um, >> what's the co-pays on a monthly basis? >> Uh, 20. >> What? Gym? Is there a gym? >> No. >> Okay. Subscriptions. I'll try to get 40. bucks. You have any pets? >> Yes. Two. >> What? >> Uh, two multiboos. >> $100 pet insurance. How much for pet. food? >> 50 a month. >> Okay. Anything else that needs to be in. this budget that I have not taken. account for? >> If if you guys even break even, I will.

be so surprised. If you do, these are some big numbers. These are. some big numbers. >> We've considered bankruptcy. >> Well, that literally might be the only. option. Yeah, you guys are underwater by. a,000 by 400 a month. 1,300. Um, no, not bankruptcy. Unless you can. follow your budget and actually prove. you change your behavior for at least a. quarter, for 3 months. If not, you'll.

end up back here on the show again in 2. years. We've seen it before from other. bankruptcy people. Uh-huh. Yeah, we've. seen it before. You're not special. So, you have to change your behavior. Or. some consolidations. Those work, too. But you got to change. your behavior first. Or better yet, listen, even just renting somewhere cheap in a. place with opportunities while you pay. on this mortgage for a year, then cut. your loss. Learn the lesson and. literally just go make as a household. $8,000 a month cuz you too easily can. And you'll be fine. [music] you'll be.

able to pay off this debt in a few years. and then shut the up and don't make. these mistakes again. You guys live in. the literal middle of nowhere. Tyler's. the closest large town, but I have your. address pulled up and you're literally. nowhere. Like, you have to move to a place with. opportunity. This is the reality of the. situation. This is pathetic. That's it, guys. That's it. Hammer financial score. This is You guys are.

Spending in a budget, you overspend 0 to. 10. Debt, there's collections, 0 out of. 10. Emergency fund, there's nothing. 0. out of 10. Retirement, I didn't see. anything. 0 out of 10. Real estate, at. least you have something, but it's break. even. You're have no equity position. You would have to at least you're in the. market. That's what matters. But it is. still not great. Three out of 10. It's. the only thing that's going to give you. anything and not be a zero. Hammer. financial score rounded up just barely. one out of 10. Get yours at. kaleammer.com. Join us for the post. show. There's some interesting things. we're going to talk about. Less than. 120,000 active members for a reason.

Three premium shows every single day, 6. days a week. It is the best there is. Click join to join here on YouTube or. you can go on the Hammer Elite app or. hammer elite.com. Wherever you want to. be. Same membership in all places. Love. you. See you in the post show. >> Show me your resume. >> I thought it was a great resume. Everybody, I showed. >> Well, that's why you're not getting the. job, dude. She's a She's a She's a. server. She has a two-page resume. >> No, but that's how you How would you. think this is a good resume? >> I started as a I haven't been a server. before. >> Shut the up. You should have a one-page. resume. >> Okay. >> You're not a seuite. That's one of the. most hilarious resumes ever. That was.

almost worse than Brent's. I just. launched the brand new Hammer [music]. Elite app available on every major. platform. So, you can watch every show. anywhere you want. You'll [music] get. three exclusive dedicated shows every. single day, Monday through Saturday. Refer a friend after you sign up and you. get an additional 30 days of Hammer. Elite access for free. Download the. Hammer Elite app by using the link in. the description [music] or pin comment. down below. This is the best membership. you'll ever join.