I Tried Saving Their Relationship, But She's A Scumbag | Financial Audit

We don't live together. Definitely don't. live together. Are you silly? What the. [ __ ] am I talking to then? He's actually. my ex. The determination of getting back. together. Maybe. Maybe there's been some. things going on. I saw someone else. We. were financially together before cuz I. was the bread winner and he wasn't. Like. it's embarrassing. I should just called. you embarrassing. I'm just tired of. feeling like the boyfriend. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my.

cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment below. Hi, my name is Violet. I'm 21 years old. Hi, my name is Max and I'm 25 years old. I live in Tampa, Florida. And this is. Financial Audit. I live in Tampa, Florida. Not we live in. T. All right. Okay. Well, that's okay. Well, let's start with you, Violet. You're the one in front of me. Mhm. What. do you do for a living in Tampa? Um, right now I am a leasing agent. My. actual You look like it. You look You.

can Yep. We step We step We step into. the apartment lobby. You're there and. you're acting like we're an. inconvenience even though your only job. is to show us what a demo apartment. looks like. Oh, 100%. Mhm. Yeah. She. shows one apartment, sends out 10 AI. emails a day. And then my boss is proud. of me. So, yeah. I make more than you. Oh, all right. Um, I don't know. Well, that's okay. Okay. Well, let's speak on. that. Yeah. What do you make? Oh, what. do I make? I make 22 an hour plus. commission. That's more than you. Oh,

plus commission. What's hitting your. account on a monthly basis on average? Um, I just started, so I haven't gotten. my first commission. Why your boss is. happy with you? Cuz you haven't had the. chance to to do things. I know. To like. be onboarded. How long have you been. doing it? I've been there for 4 weeks. Okay. Yeah, then that's That is just. starting. Like the first two weeks was. No, it is just starting, but it's not. like your boss is happy of you. performing your job. No, I promise you. he is. No, he because it's four weeks. You're being onboarded. I know, but I do. more than the people who are already. there. And he was like, "Wow, you're.

amazing." And it's really the easiest. job in the world. Yeah. I mean, yeah, it is. But I know. Okay. So, what's the commission. structure? Um, it is depending on the. apartment that I lease, quote unquote. Um, but if it's like our bigger. apartments and like our waterfacing. apartments, it's like a 750 commission. payout. Okay. Mhm. So, on average, do people close like one. a month? Two a month? Um, I would say.

one a week. A week. A week. So, what is. going to be hitting our account on. average? On a monthly basis? Yes. When I. start getting commission, I would say. hitting our account after taxes. I would. say commission. Not right now. Not right. now. What are you making? What are you. making before commission? I would say. like 3,000. What are you making before. commission right now? 3,000. 3,000 a. month is what you're making before. commission. Mhm. Okay. And you're going. to get 750 a week in commission? No, I. would say maybe average 400 cuz 750 is.

like the bigger apartments like our pen. houses. And then I'm going to say after. tax that's probably going to be like. 1,200 times your 3,000. So 4,200. Yeah. Okay. Mhm. And that's. her more than you situation. So, what do you make the other side of this? Um, it's a little weird. I have two. jobs. Um, I work like 30 to 35 at one. I'm a warehouse selector and I was.

making $18 an hour. Okay, that's one. The other one, I got a at home remote. job. Work it whenever I want and I make. $16 an hour there. and tell everyone. they can get them just for extra things. on the side. Well, mine's kind of a. special one. I've wor it for like 5. years. I work for my mom's company. Um, well, that's definitely the easiest way. to get it. Exactly. So, I get all pretty. What do you hate it against it? Well, it's the only job he's had in the last 5. years until like a month ago. Oh, so the.

other ones the other one's relatively. new. Yeah, your job is new, too. I know. But why are you combative off of. bringing in extra money for the house? cuz I've been telling him he needs to. leave that job for the last 5 years and. find something better. He has an. economics degree and doesn't use it. What hits your account on a monthly. basis with both combined? Um I think. it's 600 a week from the warehouse and. then probably 600 every 2 weeks from the. remote. So. 24 like 36, but the warehouse is going.

to go up like 32. That's 36. Well, you said 600 600 a. week. So 2400 then plus 300 a week we. from the other one. Yeah. 300 a week. Oh, okay. Cool. Yep. 36. So yes, I guess. this half does make more. Well, the. warehouse job I'm going to make more at. Yes, of course. It's um Well, when I. mean is it? But you're also taking away. hours from the other one, right? Um no, I work like 30 to 35. I'm like a little.

nervous. Okay. All right. Well, what are. we going to round up to? Four? Yeah, I. would say about four. Okay, cool. This. isn't bad, though. Yeah, it's not bad. It's not bad. You guys are. making the household is $8,200. We don't live together. Definitely don't. live together. Mm-m. Okay. Are we talking about moving in? Like, where are we going to get to? No. So, are you sibling? What the [ __ ] am I.

talking to then? So, he's actually my. ex. Um, and I texted him and said, "Hey, want to go to Texas next weekend and go. on this podcast with me?" Why? Why am I. talking to you guys then? I don't know. We're kind of We've been talking. Maybe. we want to get back together. Finances. were hard when we were together. Oh, it's a determination of getting back. together. Maybe. Maybe. Maybe. We'll. see. Maybe. So, what's the question? How. long have you guys been broken up? A. little over 6 months. Like 8 months. And.

we're having we're having talks. Maybe. Well, we haven't had a talk yet, actually. Yeah, she's difficult to talk. to. Okay. Yeah. Yes. We're considering getting back. together. But yeah, my friends don't. even know that I'm talking to him. Really? Yeah. They don't even know I'm. here. I didn't know that. That's That's. so crazy to me. Especially with what's. been going on. That's wild. So, what the. then? if we're considering getting back. together. and we're split kind of down the middle.

on that. We were financially together. before. Finances were an issue. Yeah. Cuz we were talking about moving in. together and that was kind of the big. issue. Yeah. Cuz I was the bread winner. and he wasn't. Yeah. But now we'd be making him a. sequel. Yeah. Yeah. So what what's the. big concern then if we're deciding. whether or not we should? Um, there was like I mean there was. other relationship things. It wasn't. just the apartment, but that was like. the current like struggle we were.

fighting at the time. Yeah. Yeah. But if. we're going to determine whether or not. especially when it comes to your guys'. finances, cuz that's what I'm more. interested in. Yeah. Uh if we're if I. give my like seal of approval on if you. guys should get back together, like what. was so last time when we broke up 6. months ago? Our living situation was bad. Um I was. making nothing. So, I just started. because the job that she wanted me to. quit, uh, that was the only job I had. and it was like the same thing. I might. have been making $1,600 a month. Okay.

So, that's the one you wanted him to. quit. Yes. For another job, which I I. get it years. You've been doing it since. 20 working for mommy. Why are you still. working for mommy? Yeah. Why? It's like. a stability thing. I was like, but. stability of nothing. Yes, I understand. that. I was I was I was holding down. basically nothing. like I could barely. survive and I was putting stuff on. credit cards and that's how I was. surviving. But it allowed me easily got. another job easy. You can work at. McDonald's and make more. Yeah. Like.

come on. And he just didn't understand. that. It I was like exploring other. things. I I'm kind of like a job hopper. like trying to find out what I wanted to. do. Like I moved out to Colorado to be a. snowboard instructor. That job allowed. me to do it. Yeah. But then you came. back broker then you left. Yeah. I know. But And he came back and did the exact. same thing and nothing changed. Okay. And I wanted to change. All right. Well, you can't like you were making so much. money either. You had a sales job and. you had one good week ever. Okay. I was.

working a server job beforehand for 6. months and then Yeah. Okay. Let me go. into sales cuz if I'm you're not going. to make money, why should I stay the. bread winner? Yeah. I mean, so like I. don't know. It was just it was a lot. It. was rough. But um I left. So you left. him? No, technically technically he. broke with me and then I left. Um, we. were kind of going we were going through. we were going through a rough spot. So. when she got this new job, so she's. talking about making all this money. She.

wasn't she was working from 7:00 a.m. to. 10:00 p.m. at night. What? And she. wasn't really making that much. She had. like good weeks here and there, but she. wasn't making that much. So there was no. quality of relationship. You guys are. visiting here. Are we staying in a. hotel? Yeah. You guys staying together? Yes. Yeah. So, we're on the path. Why are we. considering getting back together? What's the conversation? What's the. thought? What's the vibe? Um, I think. it's definitely like a. possibility, but we like since we broke.

up, there's been some things going on, some stuff that she did that I didn't. like. And then I don't honestly, my. friend, he brought up what. I saw someone else. I dated someone. else. up. We were on a break. Exactly. She started I don't know if this is. weird. We were dating for 2 and 1/2. years. She started seeing someone within. like 3 weeks. That's suspicious. 3. weeks. I mean, rebound. It's not like. the next day in that case. I don't know.

It's someone that she was working. If he. went someone tonight, how would you. feel? If he went, I'd be fine with it. I. think that's weird. I wouldn't be fine. with it because you're consider I think. you so you're on the edge of wanting to. get together again more than her. It. sounds like I made it pretty obvious. like I think we were just in a bad spot. then and I don't know if all those. issues are solved or what but I made it. very obvious that I did want to get back. together like now. Are you still seeing. this other person? We wouldn't be if. we're considering getting back together.

Okay. So what happened? I broke up with. him. Yeah. So I I there's Okay. You want. to get back together? you're a little. more split and you want to get back. together a bit more. This is what I'm. reading. I don't want to get back. together and it to be the same bull that. it was beforehand. So, let's fix it this. time. Exactly. But I need to know. exactly what was going wrong. So, as we. can determine going through these. documents, going through your guys's. things, especially if finances were a. big part. It's like, I'm just tired of. feeling like the boyfriend. What the. does that mean? Oh, I'm the bread. winner. She wants me to get a job. She.

wants to be a stay-at-home daughter, I. guess. Yeah, maybe. Do what? You want to. be a trad? No, but I don't want to be. the one supporting the relationship, supporting the finances, supporting all. the date nights, supporting everything. else. Okay. That I mean I guess that's. kind of how it was then, but like so. when we broke up, we were looking to get. a place. We were staying with my dad. When you broke up? Yes. Yeah. Like so we. were supposed to sign a lease. Yeah. Yeah. But then we got accepted at.

that place, right? We did. We got. accepted for our house also. So, um, for. the application and yeah, so when we. broke up, we were looking to get a. place, but I'm like, "Okay, things are. rough now. How smart is it to sign a. lease with someone that I'm like, okay, like this would be really bad if we. broke up and we just signed this. year-long lease for this expensive house. you're going to get." Yeah, for sure. 100%. I was like kind of wanted to take. a step back from that, but we were also. living with my dad and my brother, and I. was like, "Okay, this is like not great.

either. I want to get out." But I was. also kind of helping my dad out. Like I. was paying him rent, but I was helping. But you guys didn't, right? We didn't. pursue this. We didn't do it. No, we. didn't. No. So again, with where we. stand considering getting back together, obviously you seem you seem more split. You seem more in favor and we're. considering it. But you wouldn't care if. he went and slept with someone. How. would you feel if she went and slept. with someone tonight? Uh, no. I would. not like that at all. I'm still like I. would say maybe I'm more like I want to.

get back together but I do feel some. type of way about like the actions like. cuz it wasn't just the guy. like I don't even on like New Year's Eve. she's drunk she blowing up my phone and. she's hanging out with this guy like I'm. like okay I did drunk text him a couple. times. A couple times. Yeah. So I'm like. okay. And I don't really know what's. going on. I don't really use social. media, so I'm like I only know what she. tells me. Like I'm glad you asked the.

question. I didn't know that she broke. up with that guy. I didn't even know. But I'm also kind of a spur of the. moment person. So I was like when she. invited me. How long have you been. single and now considering this? Oh boy. I don't. know. Uh I would say I don't know a few. weeks. Is it like desperation going back. to stability? Like no. That's what I'm. saying. I'm not like let's get back. together next day like tomorrow. Like. no. Like exactly. So it's like if you go. She's more skeptical. You're going to.

have to win it over. Like I just I don't. want to move backwards unfortunately. Would that be backwards? How does that. feel? That's what that's what I feel. like. I feel like it would be backwards. So it's like I'm open to it, but I don't. know. Like it's scary cuz like I've. built a little bit of a good life for. myself. Moving backwards, but then also. inviting me on a trip like staying in. the same hotel. I mean, I guess that. feels bad. Like, I don't saying it's. moving backwards. One bed. Two beds. Slept in one bed. Okay. Let's be honest.

I'm going to ask. I mean, I'm going to. ask, but you guys Yeah. Yeah. Okay. Yeah. So, we're kind of So, like I said, I'm open to it. I just don't want to. make it feel like I'm moving backwards. So, we're closer than we think for sure. I want to see how you guys are assessed. Okay. Well, the producers put this. together cuz they knew how this. conversation was going to go a bit more. than me. I'm going in blind with the. audience. But we have a me option and a. my ex option. I'm going to give you. guys' questions just to see how we're.

approaching this current state of the. relationship and I'll give my seal of. approval or denial after this. conversation of whether or not we should. actually you guys should actually pursue. this. Yeah. Okay. Okay. First question and then hold up to the. camera. Who is more likely to book a. vacation they cannot afford? Okay. All the time. Yours is upset. All. the time.

All the time. This is a constant thing. Yeah, I do. Tell me, how is this? I took. a lot of vacations since we broke up. Where have you gone? You went to Hawaii. I went to the Bahamas. I've been like a. couple like weekend things, but I mean I. couldn't necessarily afford them, but I. did afford them basically. So like I. definitely should have gone on the. vacation. What is it? How what what is. it. like? So like at the job I was working.

at during these vacations, I was away. I'm being told she went to the Hawaii. with a guy. I did. She did go to Hawaii. with a guy. Exactly. Didn't really know. about that either. Okay. So, I went to. Hawaii with that guy. Um, but I had a. lot of fun. Is it I Okay, this was a. long time ago, but I went kind of the. extended going back sexually with an ex. a long long time ago. Mhm. And if you're. the one that clearly wants to get. together a bit more,

that can kind of with you with me back. then. It took me a long time to kind of. move on and especially if she's out. there. I mean, no offense. I mean, other. dudes, how do you feel about that, man? Cuz. that's to me, just having been in that. situation over a decade ago, like it. with me, but Yeah. No, definitely wasn't. fun finding out like But you guys are. still sleeping together. Yeah. It's a. recent like as of like two weeks ago. A. week ago. Oh, yeah. Like it's a week. A.

week ago. Literally a week ago. Yeah. Yes. A week ago, guys. Because when we. broke up, like soon after that, I kind. of made it apparent that I wanted to. like potentially get back together. Like. I was more thinking like, "Okay, we need. to take a step back. Let's not sign this. lease and maybe more of like a break.". But then I'm like literally 3 weeks. after I'm like, "Oh, we should go hang. out." Like she came and saw me. I had a. soccer game. She came and saw and I was. like, "Okay, let's go hang out." Oh,

this is complicated. I was like, "Go, let's go hang out." And she's like, "Oh, no. I don't think this is a good idea.". And then I talk to my buddy. I'm like, "Oh, she's seeing someone already." I. find out. She calls me the next day. She's like, "Oh, or I want to talk." And. then I'm like, "Okay, let's talk. Like, call me." And she's like, "Oh, I need. time." Like, she's pushing the call off. And then I'm like, "Oh, yeah. She. definitely doesn't want to do it." And. then once I finally get on the phone, she's like, "Oh, hey, what's up?" Like. all nice to me. And I'm like, "Okay, this is weird." I'm like, "Okay, just. tell me one thing. Are you seeing. somebody?" Like, "Yeah." So, like within. 3 weeks, I went on two dates. How long.

together before the breakup? Two and a. half years. Mhm. But we've known each other a lot longer. than that. Yeah. How cuz there's a I've. known him for seven years. So how what. was the So my stepdad is friends with. this guy who's friends with his dad. So. I don't need more details of that, but. I'm just like when you guys were getting. together, you were in like 17 age range. and you were in like that 23 22. So it's. like I'm curious how that relationship.

was. But just asking. Yeah. Okay. Next. question. Okay. Who is more likely to. criticize the other person's spending? Um, no. So, you both think you're more. likely to criticize each other. Okay. Are you still holding that upside down? Why? No. Why do you think that? Um, I. don't like what he spends his money on. Go on. Um, so he his favorite thing in. the world is Circle K. Um, how can that. be someone's favorite thing? Ask him. I. wouldn't say that. I do go to Circle K a.

lot. Why? It's Circle K. What's Exactly. Why the [ __ ] Because I like Coke Zero. I can get a 79 cent Polar Pop. You can. get a cheaper Coke Zero though in bulk. from Costco. Yeah, you can. I don't. know. He likes it fresh. You know, he. likes that carbonation. It's not even fresh. It's not. even literally. Okay, go on. And his. Zens. So he I don't know. He spends more money. on that than he ever did on fritters.

Well, that's crazy. That's just not. true. Not like 100% true, but she lives. at thrift stores and has a thousand. pieces of clothing that she doesn't wear. and doesn't need and they're all sitting. in bins in her apartment. Yeah, she is. kind of in the like Kamla outfit today. That is true. Thank you. Do not come. But I don't know. It's like. Yeah, I don't like that he spends his. money on the things, I guess. Well, he. doesn't like money. what you spend on.

either. And if we're getting back. together, it's like I spent my money on. us though. Like we went on vacations. We. went like out to dinner. Vacations. It. wasn't like you were spending on the. whole thing. No, I wasn't. I paid for. majority of all the vacations. So this. is how I like that's what I would spend. my money on. It wasn't Circle K and Zens. that you're going to spit out every 30. minutes. Like you know, it's different. When we went on vacations, we kind of. did it I feel like how a more married. couple would be like shared finances. where like okay if she's making like if.

we total our money and she makes 60% of. the income and I make 40 like that's. probably how we're going to split the. pay for a majority of the vacations. Oh. yeah, she was paying for the majority. but she also at the time but that's what. I spend my money on. So it's like are. you going to disapprove of that of how I. spend my money? Not just the vacations. like you like constantly spend like. going like it's just like shopping not. like on like store stores but yours is. bull stuff too stuff that you don't. need. You know me little knickknack. stuffs that like have no place in your.

apartment or just carried in bins like. you have a bunch of you have a bunch of. bullit. Okay. At least my stuff's. getting used. I drink the Polar Pop. does get used and the apple fritter at. Circle K is really good. Oh, his Doritos. for breakfast. What are you even talking. about? So, yeah. But it's because I work uh you. guys. It's an interesting little. observation. you guys are covering like. your disagreement and like kind of.

attack to the other person with like a. laughter. instead of like cuz like you hear it and. it's like a real attack but then you're. like giggle about it and it's you're in. that weird state. Um I mean maybe like I. don't this like my purchases like she's. saying the circle K I will fight for. that like I work in a warehouse. My job. starts at 4:30 p.m. and I mean it's on. the way to work. I'll go get us. It's.

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living with crippling debt till you're. 90 is not the retirement plan you. dreamed of. Next. Who has more of a. temper? Okay. Yeah. No, but like when we're. arguing about the finances, does that. seem to come out more? Does it get toxic. these financial conversations that we. have as a couple had and then might have. again? They did. And she just doesn't. really have a temper and I don't really. Yeah. She giggles off everything you. throw at her, which I get it's more of a.

deflection for sure cuz I feel like I. talk to a wall. No, she thinks that I. can't lose a conversation. will refuse and I'm. conv oh well you know I'm not right so. why are you just going to shut up and. I'm like I don't say that I don't say. that I don't say I know I'm not right. and I'm fighting a thing no it's like. I'm actually talking to a wall there you. just don't say anything that was. probably the biggest reason why we did.

break up is because you literally. because you keep going you harp on. things for days like you'll literally. yes Yes, you do. No, you are like. literally a wall. You just sit there and. you keep going. You agree with. everything I say because I want to get. to like a finish line of a point. Like, okay, if we're arguing about this, I. want to get to this point and I'm like, okay, let's get the conversation. But if. I don't want to get to that point cuz I. don't agree, you still want to get to. that point. But it's not even that. point. It's not even that point like. that I want to get to. It's like a.

completion of the argument. You're just. like, "Okay, I don't want to do this. argument." And I wouldn't say I have a. temper in our relationship. I probably I. raise my voice pretty loud like two. times and I don't want to do that. Like. I don't want to be that person because I. see people that do that and I don't. think it's right. But I mean maybe I. should have more but outside of the. relationship he also has a temper with. his family, with his brother, with his. mom. His mom. Yes. They would argue like. we would go on family vacations and you. can't get through a family vacation.

without someone fighting. All right. Well, that's not my fault. It is because. you are the problem most of the time. Then you get a kiss piss. So. crazy knowing. Yes. Because your whole. family has the same issue. Um I would. say this. Uh I think my mom, she has a. little she's a little control freakish. So is your brother and so are you. Like. might have passed it down a little bit. So I want control over. Okay. So control. freak. But if we're having a financial. conversation with both are kind of equal. halves. Two and a half years. You can be.

talking about marriage around. Then. obviously you guys broke up, but we're. considering getting back together. So. it's a bit more complicated, but if. we're going back into the financial. conversation, I mean, give me give me. like what a financial conversation like. looked like at that point. I think the. biggest one was when we were looking for. an apartment. There were spots I liked. more than he did because we have a dog. Um, so he was like, "Well, I want to. place the big yard." Who got the dog? He. got the dog. We got the dog. That's. hard. He got the dog. So when I moved. back from Colorado, I'm like, "Okay, I. want to get a dog." No, that's I'm. asking post breakup. Okay. Okay. Oh, it.

was his dog. He kept it. There was no. there. So, anyway, he's like, "Well, we. need a place with a big yard." Well, all. the places that I like didn't have a big. yard. They had a small yard, but I was. paying for the rent. So, he thought he. had all this say of where we had to live. when I was paying the rent. That was the. only thing I asked for in the entire I. know, but it was like No, cuz then all. the other places were farther from my. work. closer to your places that were like no. street light. like you're not gonna walk.

your dog at night, like sketchy areas. And the yard was the size of this table. No, it wasn't. And you know, that's not. true. No, but again, anyways, I was. paying the rent. I have the bigger say. And he was like, "Well, you're being. really selfish. Why would you say that?". Because I'm paying the rent. I should. have the final say of where we live. So, she just wanted the nicest place. possible. And they all came along with. the smallest yard possible. And I'm. like, "Okay, the one of the biggest. reasons we're moving is we have this dog. and we want That wasn't the main reason. we were moving. I was one of them. Yes.

But still, oh my gosh, you guys. This is. crazy. I mean, and then literally I I'm. They just sent me a note that is. relevant to how you guys are just going. about this. conversation. I mean, they're talking. through your guys' breakup and stuff. And when they had a conversation with. you, right, you gave all like you flat. out just like called her a her face and. it's just toxic. I said that. Yes, you did. I mean, I. might have said that. I call people. [ __ ] all the time, but it's usually out. of just like the show. That's how it.

usually is, but like who? It was more of. a like attack. I don't know who. When I. broke up with her, nothing. She said. nothing to me. When I broke up with her, it was like it was a shock. But that's. how she is in the same I had basically. the same conversation like 3 months. earlier. So it was like I wasn't going. to do that again. So I said, "Okay.". Packed it up and left. Who on who who. was the reason for the breakup? I. initiated. Oh, who was the reason for.

the breakup? Okay. Yeah. So, it's interesting. You're. the one that broke up, but you're the. one considering getting back together. You did not choose to break up and. you're more on the fence. She wanted to. break up. You can't lie that we were. going towards that again. Having been on. that side before, not on this side. Mhm. Uh why are you still diddling up with. this guy if you're not fully ready to. get back together? Cuz it does string. him along. Because things were good for. a really long time. Were but now you're.

justing Well, but you're but you're on. the fence. So if you don't know, why are. you going back? Because things were. good. I like his family. Like we're. good, but you're not committing to going. back. But you're stilling. Um, so why. are you stilling? It's been a week. Yeah, a week. Okay. Week. No, it was. like twice. Well, we twice. We are like. we're like hanging out more like seeing. each other. I'm just saying it could. really string him along. No, she was.

definitely doing that while we were. broken up like all. Did you guys were. you guys doing that? We were like not. get back together throughout. No. Okay. So either way, this unless he's ready to. get back together, you are more on the. fence. Yeah. Because fine, you're 75, she's 50%. But even still, unless you're. swaying that way, why? Cuz I want like. if things are different and like he. changes and like he gets his life. together. That sounds more than 50%. then? Because like Yes. Like So you're. leaning more towards getting together.

Yes. But only if things change cuz like. I don't Why before then? Cuz that can. mess with someone. Okay. Then we won't. anymore. Like like if that's Oh, now I'm. bringing this hard, but like I don't know. It just happened. Like I didn't text him. Oh, want to. tonight? No. Like it just happened. That's usually what I do. Exactly. So. like No. So like Yes. Like I like it was. good for a while. I've known him for. seven years. I've known his family for. seven years. I know. But you're not. getting back. That's You don't I'm not.

talking about where you guys have been. I'm just talking about what you might be. doing to someone. Okay. someone who's. already there almost there. Cuz when we. did break up, I was like I made it real. clear that I wanted to get back. together. And then at a certain point, I. was like I already asked her like to. hang out and then she made it like cuz. she was texting me. Have you guys broken. up before? No. Okay. Not really. Who's. more likely to get involved in a pyramid. scheme? No. Okay. You both say each other. Why? Uh you know each other's habits, but.

we're I know what she'll say, but I. don't know. You're like I feel like. that's something you think you would be. good at. Like I think you'll do the. sales like you'll try and sell like. someone that you're good friends with. will sell you on something I can get in. You're like, "Oh, I know all these. people." Come on. No, I would not. I. would do that. You're in You're in. health insurance. You're like one medium. away from But it's different. Health. insurance is like federally regulated. That's not like I'm selling Mary Kay on. the side of the street to my. hairdresser. No. Like that's different.

You on the other hand, 100%. You're. always let me buy this, let me buy that, this course, that course. Great idea. I. don't know enough people to do a pyramid. scheme. It doesn't matter. You would. sign up for it, though. No, you would. No. Okay. Says the one who spent nine. grand on a course he didn't pursue. What? On a course. On a course. What is. that? You know who Pace Morby is? No. You don't know who that is? No one knows. who that is. People know who that is. He. was on Graham Stefen not that long ago.

on ice coffee hour. Yeah. Mhm. Um Um I. don't know. For me, I mean 9,000's. pretty brutal. We sell educational. programs and we have a lower refund rate. than anyone else in the agency. Just try. and sell him in the in the industry. Yeah. But we actually provide value and. people have proven that. But but we. don't do. $9,000. We're like a couple hundred. bucks so people can change their lives. and still have access to it. But also, you know, you know, make He's got access. to a Facebook community, so it's worth. it.

it. I was probably in a better financial. point then, but that might have been the. start of 9,000. What were you supposed. to learn? Um, so you And you never took. it? No, I did. Like I went through it. It's just more of like Well, okay. What. did it teach then? Cuz again, we teach. budgeting, paying off debt, not like, oh, you're going to be a. multi-millionaire. That's not what it. was saying either. Um, you own property, right? Yeah. Do you have traditional. mortgages on them? I own some. Yeah. Do. you have like any creative deals? No. You know what that is though, right?

Actually, one technically one. Yes. What. was it? Like a seller finance or. something? No, I don't have that. Okay. So, he teaches like boring. This is a. fun one. I get to get you free money and. then I get to get myself free money. It's a pure win-win for both of us. What. do you have to do? Sign up for a SoFi. high yield savings account and get a. welcome bonus of $300. Sign up for. Acorns using my link and get $20 instead. of the usual $5. Finally, sign up for. Silo and earn up to $5,000 in cash back.

on your own stocks. These offers have. been negotiated to give us both more. money than using traditional signup. methods. So, use the links in the. resources section of the description. below and get yourself. $5,320 right now. You you're someone who. dreams of this grand life, $9,000 on a. course, but you don't even have close to. the nest. egg necessary for for to get one. You. might need like you could get a $500,000.

house for maybe 30 grand out of pocket. You have 30 grand? No, I don't. But so. there was other stuff. You do have 30. grand of that. But there was other um like ways like. you can get the contract and assign it. to someone else and then you would make. savings combined for you was $825. What the [ __ ] are you buying a $9,000. course for? Well, that was a while ago. and now everything is I have done it. Pursued it afterwards. You finished it.

Oh well. Oh you guys. So yes. Who's more. likely to hide spending from the other. person in the relationship? Yeah. I don't know. Like on stuff like. you're willing to admit this that you. would be more likely you guys are. considering getting back together and. you're saying you're more likely to hide. spending. Um it's not like big spending. but I would definitely like I'm not. going to hide something like that. But. it would be like oh I don't want to tell. her I just went and bought food or. something like that. Why would you want.

to tell her? Um I mean why did you want. to tell me? Honestly, it was more like. cuz uh like I used to have some weight. on me and I have like a weird thing. about weight. Like I You look like a. former fat. That is true. I see it in. you. We were just Have you ever been to. Have you Barton Springs? I live in. Austin. Well, have you been? Yeah. One. of our most popular. Okay. Okay. Whatever. Whatever. Did have you used. the diving board? Uh uh. Ask him about. his most embarrassing. Too cold, honestly. Ask him about his So, you've.

never been inside Burn Springs? I have. miserably. Honestly, I I either sunbathe. or Yeah, that makes sense. Look at. boobs. But yeah, fair enough. Fair. enough. But ask him about his most. embarrassing story ever. So, I had a um. like a party at a friend's house. Boring. But how does that feel if we're. considering getting back together? If. we're considering getting back together. and he's saying he's the one that's most. likely to hide and he doesn't want to. tell you, how does that feel? What What. does that look like? Mostly food cuz I'm. like, damn, I feel like I know. But.

something Yeah, I know. Yeah. wouldn't. never be. I know like cuz I don't think. she would. Yeah. I'd be coming home. like, "Look what I got at the thrift. store today. I spent 100 bucks." Like, "Oh, you want to see this haul?" And I'm. like, "Oh, yeah. Okay. We spent $60 at. the Goodwill and we spent $60 at the. Goodwill 2 weeks ago or like 3 days. ago." I'll show them. I don't care. But. especially because what I do is like. I'll go get like a whole pizza and I'll. just eat it whole thing. Okay. And. finally, who's more financially. responsible? [Music].

Okay. Yeah. Okay. There's no way you're. one one you're in more debt than I am. And then. two people live more life than you. Exactly. Why are you still in debt? Okay. Like I think in um in spurts. I. think I I feel like I'm an inspert. In. spurts and then you get out of it, you're blessed and then you do it again. and it's absolutely ridiculous. Like. it's embarrassing. I think you just have.

the more worst spending habits. Like. mine are She just called you. embarrassing it, by the way. I'm just. embarrassing. You're getting each other. They talk at each other. Cuz you get. bailed out of and then you do it again. No, I've been bailed out. Like I've had. support, but I haven't been blessed. Like 100%. Okay. I'm sorry. My mom loves me more. than yours. I know. But like it's crazy. cuz you'll just turn around and do it. again and it's just disrespectful to. her. I I What do you mean? I'm saying.

What do you mean? Do you still have. student loans? I do. Okay. Your mom paid. for them. Why you didn't? She gave you. money, too. But I told her they weren't. going to get paid for that. Here's. here's money to pay off your entire. student loans. Congratulations on. graduating. Okay, Mom. I'm not going to. spend it on that. But thank you. Wait, what the did you do? Exactly. Like. that's insane. Exactly. You know what I. spent it on? Was it a Corvette? That was. a Corvette. A Corvette. Your mom gave. you money to sp to pay off the loan. I.

got a loan because Oh, but it might get. forgiven. So like why would I pay it off. if it gets forgiven? How'd that work? Okay. Okay. What are my What's my. student for her? Is it out of sympathy? No, it's not. No, it's definitely it's. definitely his mom's very nice and like. yeah, she does very well for herself and. yeah, if I had a child who graduated, I. would 100% pay off his debt if I was. like had the means to and it's. definitely really nice that she does. that. I mean, it depends on behavior. Exactly. So, it's like but then it. doesn't change. If I have two loans out.

right now, my student loan loan is, let's say it's $10,000 and at 5%. And I. have a car note out for 10%. Which one. should I pay off? So, was it paying off. a car? Yes. It wasn't buying a car. No, the I already had the car. No, I already. had the car cuz I saved up the money in. Jacksonville. I put I put the money. beforehand. No, she didn't. See, that's. You don't know cuz I put that money I. put that money towards the I put that. money towards the Corvette. But student.

loans and now he doesn't have the. Corvette anymore. She doesn't even know. I feel like that was the better. financial decision. I choose the 10% in. the depreciating asset. But respectfully. to your mom who gave you money. specifically to pay I told her I wasn't. I didn't lie to her. I didn't lie to. her. I wouldn't tell her. I would have a. conversation. Well, yeah. But like she's. not I told her as soon I told I told her. as soon as because it was smarter to do. that and I'm deferred anyways. Like I. was still Well, we don't know the. context about buying the car when you. got the car. Were you buying the car. expecting this money to come from mom?

Were conversations happening before. that? There's a lot of context that can. go involved in you getting this money. then putting towards the car instead of. putting towards the student loans which. she thought you were going to. And if. she only wanted you to put it towards. the student loans, it was her money her. gift intended for that. Then I would put. it towards student loans even before she. sent it to me. I told her I wasn't going. to do that. So she was still going to do. it and she's not going to tell it cuz. she did you know she was going to do. that? How long did you know she was. going to do that? Um was it before you. got the car? No. Was it before the car. that you knew a pay was kind of an ex?

There you go. So, you got the car. because you knew the money was coming. So, that is different. That is different. than this is a random thing that. happened and you put it towards. mathematically making sense. You instead. chose to go get the car because you. always knew money would be coming that. you could pay off the student loans or. it with. No, I Oh, come on. How? Because. it wasn't. You're a human being. You're. able to have that cognitive skill in the. back of your brain knowing that you.

could pay off the car cuz money's. coming. Okay. Either way, let's just say. I did, which I'm not saying either way, which one's better? Cuz I would have got. the car anyways. No. No. Cuz it's cont. It's context. It's not a It's not a. black and white thing. It is context. Cuz at the time I This isn'ting the. internet where context is impossible. That's like most Twitter and Reddit. threads. That's not how we do it. We're. able to have context here. Yeah. But I. wasn't expecting that cuz my my brother. he has student loans for a trade school.

His are a lot more than mine. And like. we've kind of heard like oh this is. going to happen but not I didn't know. like okay when I graduate she's going to. pay like she's going to help me out with. them. So what do you think your hammer. financial score is? Zero to 10. Zero. being the worst, 10 being the best. Um, since I sent in the statements, I. would say one, but last year it would. have been higher if we didn't. So, it's. gotten worse. It has. The last eight. months has So, are you okay with getting. someone with someone back with someone.

who's gotten worse? It's on the up and. up, but it was it's gone. I mean, it was. kind of my fault. Like, she was she's in. a bad spot because of the apartment that. she's in. Just the apartment. No. choices. No going to Hawaii and like. that. Really? Come on. that much. I. mean, you still chose to do these all. vacations. If if our rent is more. expensive than we can afford, which. sucks, then you sacrifice the other. things to make life work. You don't get. to still just go do whatever the we want. when it's mathematically not working. So, no, it's not just his fault. And I.

know you're trying to get your suck. later, so like don't just I didn't say. it was just his fault. No, I would say. like when the income the expenses are. higher than the income, like that's bad. But then why would we be going to. Hawaii? because I bought the ticket. before my income actually started going. down. You still decided to go and it. would require spending more money while. you're there. Yeah, it's not that much. more though. But it was more and if we. if we don't have money, we don't do. that. It's as simple as that. And you. what's your financial score? Um it's.

probably like a two right now. I feel so. better than her. Yeah, definitely better. than her. Okay. If you guys want your. score and see where you are in the world. of finances, take the assessment, go to. caleb.com or click the link in the. description below. And if you don't want. to be like them, not the breaking up. part or the randomly hooking up part or. whatever. the financial part, download our. budgeting app and make sure you sign up. for the annual version and I will send. our cookbook and notebook signed by me. directly to your doorstep. And don't. forget you can come here to Austin,

Texas by going to caleham.com/apply. We'd be happy to have you on the show. Oh my, the longest intro in the history. of the show cuz you guys are just. bickering little demons. So you made us. play the game. Yeah. To get some insight. into you guys. cuz I wasn't expecting it. to take that long cuz if the big. question is whether or not we should get. back together, the producers were like, "Well, let's see what they say about. each other." And a game's a good way to. do that. Freedom Flex. Whose card is. this? Cuz I know we're not combined. So, her card, by the way, dude, is a. $7,377.60.

$7,000. You don't know this? You guys. know each other's finances? Like, you. might know mine better, but she actually. Yeah, it's a. $7,377. What are your thoughts? That's. insane. I did. That's really bad. That's. so bad. Okay. That's almost as bad as my. whole situation. Okay. Or at least my. credit card situation. Okay. Like it's. my bad. It used to be good. Who gives a. about used to? I don't give a whatever. Even if you're doing something bad in. the used to. If you're doing good now,

we're not I'm not beating you for your. badness. Again, this isn't the internet. It's not how we operate in real life. Yeah. No, it's it's up there. Surprise. Like I told you it was bad. You don't. care. I do care, but like it is what it. is. How long does this take to pay off. doing minimum fee payments only, which. she does, but without purchasing. anything, what she's incapable of. So, how long does it take to pay off? I. would say 19 years. Well, she hit it. Maybe she looked at it when she sent it. in. It's 19 years and she pretended like.

she was thinking about it. No, cuz like. I know it was around. I sent three. statements. I don't know which one it. is. $131 of purchases and 92 cents on a card. that you're only putting the minimum. payment towards. Interest is acrewing. Yeah, it's over maxed out by. $177. You want to get back together with. this creature? How's that make you feel? Yeah, she's above the credit limit. You're okay with that? Maybe mine. If. she's a one, I might be the the three, four. Yeah, right. Okay. Why is it above. the credit limit? The interest hit. No,

you're purchasing. Well, that too, but. that is it. That is the thing you have. control of. You don't have control of. the interest. You pay the monthly. payment that like it's going to pay off. the interest and a little bit. Yes. Yes, I know. That is true. I understand. So. why the would you say the interest then? Cuz that's not the answer. That's part. of the answer. Yeah, that's some good. cope giggling you got. But that's a bull. answer. Cuz that is not why it's above. I know. But you know yet what did you.

The real answer was because you spent. because you're an irresponsible child. with your money. So why the would you. deflect with a bull answer? I don't. know. Just I think it speaks to. something. Yeah, it does. But you're not. confronting this at all. You don't care. yet. I mean, like, well, I don't know. what to say. You gave up over this last. year and you don't give a yet. You slid. into a worse situation and you've hit. the limit there and you don't care and. you're probably not ready to change. I. am ready to change for sure. I am ready. cuz I got a different job. A lot of that.

is spending because of my last job. What? That doesn't make sense. What was. your last job that required spending? Okay. Well, I was in health insurance. You had to buy your own leads and. there's a lot of money that goes into. Why would you put it on? You're not Are. you getting 30% returns on every single. lead you spend? Cuz that's the interest. that you're getting on this card that. you're not paying off. When I. first Netflix, Amazon, Paramount Plus, Canva, Apple, and Storage. So, so those. are like my also going and probably. getting a morning after CVS.

No, that's definitely not. But no, so. like yeah, all that that you just named. is my subscriptions that hit. What What. other spending's on there? It's. subscriptions. Bull. It's not like I'm going to Target. Lady. Lady, you are choosing [ __ ]. subscriptions over actually paying down. the card. Mhm. Which says you don't care. and you're not ready to change. If your. defense is, oh, it's just subscriptions, then obviously you're not ready, cuz we.

would rather pay down a card that is. acrewing interest that is going to take. 19 years to pay off than have Netflix. and Paramount Plus at the same time and. picking up some bull from the store and. Apple bills and Amazon. Pull up your. Amazon for me. Listen, you'll lost 600. or far, sorry, 800. $845.37 of interest this year so far on. here. Okay. You don't give a No, I do. But like you want to get back together. with that? I don't know. Like that's.

really bad. When you guys get back. together, we're probably considering a. future at that point. Okay. Like it's. that's not a fling. A fling shirt. I. don't care. Do that. But if you guys are. getting back together, finances are an. important part of it. And look at this. She doesn't care. She's given up. She's. done. And she's just. [ __ ] hard. But sometimes the damage. isn't just in your bank account. It. shows up in how you sleep, how you. think, how you show up to your life. And. that is where Sondermind comes in. They.

help you find licensed therapists and. psychiatrists fast, matched to your. needs, your schedule, your preferences. There's no waiting months, no guesswork, online or in person. And their app even. comes with self-care tools to help you. in between sessions. And here's the. thing. Camine works with most major. insurance plans, so you're not trading. one kind of stress for another. Plus, they're available nationwide, so you can. find care wherever you live. So, go to.

soundermind.com/caleb and get started. today. I don't even know what's on here. You don't know how to pull up your. Amazon. It was loading. Chill. Your. Wi-Fi sucks. Oh, does it? Yeah, it's. terrible. We were trying to do it. earlier. Here's five things in the cart. $190 uh bed frame. $243 bed swing back. bed. [ __ ] $189 bed. Oh, she's. choosing which bed. Yeah, I was just. They're just in there cuz I was hundreds. of dollars about $1,000 of bed frames in.

there ready to go. All of them. No, but. you are going to spend about 250 bucks. maybe. And look, we have a max out. credit card in your Her bed frame is. pretty though. Good. And it continues to. be until you pay off debt. And that's. why I'm buying it. I don't want to just. always like jerk myself off or anything. about this, but the thing is I slept on. an air mattress for like six to nine. months when I moved here. I slept on air. mattress when I moved to my apartment, too. I don't give a You're in bad debt. I got out of bad debt and I stayed out. of bad debt. You're back in bad debt. You can sacrifice. I know. 300 pieces of.

heavy duty gold. I told you it was for a. wedding, but I got paid back for all. that. 10in baby pink candles also for. the wedding. More. Okay. Candles that. gold thing. Okay. Uh D power extra boost. inserts. Trying to get taller. It was a. strapless bra for my the not the wedding. dress, the bridesmaid dress. I was a. maid of honor. A return for a dress. Yes. Uh liver treats and for the dog. that I now have him a birthday. You got. it back. Yeah, cuz he can't take care of. him. Cuz I have the two jobs. I've been.

working like 60 to 70 hours. You got him. a cake toy, mouth guard. These aren't. horrible. Bridal shower stuff. Mhm. They're crazy. But I'm am nervous of you. spending 250 bucks on. I'm not going to. get it. New apartment. You better not. I'm not. I'll sleep on my couch. Like I'll be. fine. So, no, they're not bad. And all. those for the wedding I got paid back. I. just had to order them cuz I was in. charge of decorating. So, so we know what comes in. How much did. you spend last month? That I have no.

idea. Why would you not know? Why don't. you budget? What are we doing in our. lives? It's just different. Again, you. don't care. If you cared, you'd be. budgeting. So, how much do you think. went out? Think of all your life that. happened last month. Payroll was. $2,749. What went out? Probably. And. that could be included in debt. Mhm. Probably like 45. It was 46. Yeah. Holy. Double. You're okay with that? No, but I. was at this point. Why are you doing it?

It just happens. Like, I don't know. No. No, it doesn't. You do it. I mean, no, but you're doing the actions. to do it. I know, but like most of that. is bills. I have big bills. Your bills. are not that high. They are. I want to. hear mine cuz I think mine is going to. sound a lot better than that. That was a. bad month. Like I didn't really make a. lot of money. I was in the transition of. a new job. Like, yeah, my income wasn't. very high that month. You spent less. than you made. Yeah. I'm him. But last. time he was the Yeah. the financial. Now.

that I have the second job, but now she. is and she doesn't care and she's not. willing to do anything to change it. How. are we going to maintain a healthy. relationship. financially at least? Cuz now the roles. are reversed. So before it was like all. she did was kind of work, but now she's. gotten these jobs and is like she's. getting older. So now she she didn't. really get that older like Yeah. Like I. actually go out I have a life now. whereas before I didn't. So she didn't.

really have the college experience and I. think that's what she's doing now like. going out like partying and things like. that. So she's blowing money on that. where I'm Is that where you want to be? Cuz again that would be he's already. been there. That's the thing went. through that. Yeah. But your significant. other would just be going out party. That's a big like that's something I've. thought about a lot cuz I don't really. party. Like I don't really drink at all. What is your party nor? Are you going. like every night? No. But like I. actually go out with friends. I do. things with people. Like I go out and. actually have a life versus sitting at. home on the couch. Well, when I hear.

partying, it sounds like we're going out. like raing at the bars. She went to. Orlando and got blacked out drunk and. lost her purse and all of her belongings. in Orlando. I did. Also, should we talk. about what happened at the wedding? No, we don't need to. But yes, I got I got. drunk. I got very drunk. That's pretty. common. Yes, it was open bar. Was there. a bad thing? No. Okay. No, I guess not. What What happened? I don't really know. the story and it sounds like she doesn't. want to talk about it. Like I got drunk.

She gets a little like free and loose. while she's drunk. Like what? What. happened? I don't I don't want to talk. about it. Like I made some bad. decisions. So at the wedding. I mean. Yeah. Oh, after the wedding. Oh, no. No. After the wedding. After the wedding. Like the reception, right? Yeah. It was. black drunk. Parting dancing. Yeah. I don't know what you're trying to say, but no, I don't know. You know, you're. making it sound worse than it probably. is. I'm pretty sure I heard like I don't.

know, maybe hard to keep her top on in. front of everyone. No, I think it was. just like the bride's dad. I flashed the the groom's dad. I would. never do that to to him. But it was an. accident and I was drunk and the bride. wanted to. Oh, he does. Okay. What's going on with. this? cuz it's also maxed out. Not over. this time like her, but it is maxed out. No purchases this time, but it is maxed. out. That's part of the pace Morbby. Um,

so it was like No. Mhm. So that's what I. wanted to debt for it. Yeah. So it makes. sense cuz I doubt you would $9,000. What. What would he think if you put this on a. card that is acrewing? Oh man, he. probably $60 cashed in on me. But no, I. I don't know. I don't know him. I don't. know him. Uh, a lot of a lot of the. people I've met behind the scenes in the. YouTube world, I understand a screen is. separating us and like there's a number.

next to our name, but most people. actually have genuine positive. intentions and you just wouldn't. actually think that. I don't know if. we'd want you to go into debt for this. I don't want to go into I want people to. buy our educational program cuz I want I. cuz it is a business and also it's a. good product and helps people, but I. don't want people to go into debt for. it. This is what I will say because I. can remember now. I was pretty iffy. about it because it was such a big. thing. I told him not to do it maybe, but multiple times. So when I did do it, so it was like three installments. basically. 3,000 3,000 3,000 and I So I.

paid off the other ones and I just have. that you're only making the minimum. monthly payment for it though. What's it. at? Uh. $2,9164. Minimum monthly payment $86. I. will say I think it's going to take. forever to pay off. Um I will say I. think like Pace Morphe does have good. intentions but like the sales team I. feel like they were kind of pushy. They. were like oh we can just get a new card. like put it on there like $300 of.

interest acred this. year. Okay. I mean that's bad. I know. I. I mean it just stays at that. Like I. know it's bad. I'm working on the other. two years. That's what I'm saying. Like. city double cash. Who's this? Uh me. maybe. Yeah, I think so. Yeah, definitely. You do you know what cards. you have like three? So you don't know. what he has like nine. So I don't know. if that's also his so cuz he has a.

freedom flex too. So like I'm just. making sure. $1,561.20 on here. Yeah. $41 minimum. monthly payment. 5 years to pay off. only making our minimum payments. What's. up with this card? Um, it's three4s of. the way maxed out. Yeah. Um, one of. Okay, so I have this one and then I have. a capital one. One of them I was using. to pay off school cuz I pay off. Listen, I cash flowed school. So all of my. semesters I would throw my credit card, but I would have it paid off by the next. semester. No. No. Listen, that's so.

risky though. But I didn't. Yeah, but. look where we are. I know. But it's just. my summer semester that I never paid. off. Well, that still counts. I know. But see, I wasn't supposed to take that. summer semester, but my financial ad or. not my financial, my academic adviser me. over. So, my some of my classes I had to. retake or like I that I retook didn't. count and like I had to take an extra. semester of school that I didn't account. for. So, that went on the credit card, but everything else I paid like credit. card was paid off before that semester. even ended like month of. So, yes, I was.

supposed to graduate in May of when was. this? Last this was this past summer. So. this was like July last July. Yeah. So I. was supposed to graduate May, but I had. to take an extra like three courses over. the summer to actually finish my degree. And it's still not paid off. No, it's. not. She messed when she got out of we. going to Hawaii then. This is acrewing. interest. It's not an interest free. card. You wanted to more than actually. be debtree and live a financially. healthy life. Yes, I did at the time. And you still do because you haven't.

changed anything. Look at your spending. It was double what you make. Mhm. Not. his. I know. yours. But yes, but see, I. cash flowed my way through college. I. got it done quick. I graduated. You You. have a You have. $1,561 that I wasn't even supposed to. have. That is not cash flowing. I'm good. job. You did the most most of the time. Okay. The rest of the time, but you. still have this regardless. And you were. choosing not to pay it off cuz you were. choosing your own pleasure and fun of. life. Yeah. Yeah. Basically, I think she kind of.

screwed herself over. She worked at a. she was serving and she made a lot more. money. It was more expensive. I made. really good money serving at the Hard. Rock and then got out of it and then. that's how she was like paying that. I. got a degree. Yes, I got a degree um in. marketing. So, business and marketing. Okay. Graduated at 19 with my bachelor's. also. So cool. Thank you. So, look where you are. Yeah. Like I. celebrate people on their uh actual like. where they are. I know you're [ __ ].

Thank you. like like woo. I I'd. celebrate your graduation when it. happened, but look where you are. It's. like I'm not looking back to celebrate. Mhm. Okay. But I'll give you your course. career certification if you want. something extra. Boost your uh boost. boost your thing. Mhm. Your resume. skills. Oh, wait. He said you were total. debt. Yeah. He was like, you don't have. 30K. Guys, I will tell you. Calm down. These people, man. I didn't ask. I'm. trying to have a quick conversation with. the producer about some notes that you.

know I had here. I'm like wait I'm a. little confused and all of a sudden. they're justing what's your debt lady? It's looking pretty hot. We will talk. I. mean yeah no this is all surprise to me. No two I mean this is bad. You don't. consider this cuz it's not maxed out. It's three fours and it's a current. Yes. I know it's Yes, I understand that but. it's not a current interest. It's not. It's not a card interest. It's a new. card. It will it will in a few months. Yes, it will. But it hasn't been which.

is why I opened that card to do my. school. Bank of America card. It's. probably mine. Okay. What's going on. with this one guy? Yeah. What's going on. with that one? That's your favorite. card. The balance is not as low, right? Lower. Interest is still purchased on it. though. It's at. $4829. Minimum monthly payment of $35. Not bad. It is still he's purchased it. on Instagram. If that's what your. mindset is, you're going to be forever. What did I What did I seriously? Okay, that's not a joke. I know that is bad.

Okay, I get that. Didn't I pay towards. this card this month? Yes, but then you. purchased on it still is acrewing. interest. But yes, you put more on it. than the minimum. You brought your. balance down, but you are still choosing. the action. You This is what is buddy. you are still still instead of paying it. off and putting it towards what could be. closer to zero, you decided to put an. extra $120 on it. Well, interest is. acrewing. I'm pretty sure I put a lot towards it. But you did, but you still instead of.

putting it closer to zero decided to. purchase on it. It is the behavior of. it. I think it's mostly cuz I leave my. wallet and I think that card is. connected. Take your wallet, you [ __ ]. Like like what the is wrong with you? Take your You need your driver's. license, you tit. Um, like if I go to. work, I don't always have my wallet. Drive to work. I drive to work by So, you should probably have your driver's. license. You tit. I do. I have it in the. car, but like if I go What? You leave. your driver's license in the car? Because I don't need my wallet for work.

It's just kind of like in the car. That's so weird. Why are you leaving. your driver's license in your car? Put. it in your wallet. Take your wallet with. you. It's in So, it's in the wallet, but. then I leave the wallet in the car. And. then like So, if I want to energy drink. before work, which you do all the time. I do like but it's in the car. It's I. use tap to pay and I don't have my debit. card. Where are you getting your energy. drink? Circle. No, the I mean sometimes. there's probably listen and you can go. back in and get youring wallet cuz I. have Circle K. Circle K. Circle K. Circle K. Four Circle K. You could have.

gone back in your car. Now I also see. vending machine. Vending machine. Vending machine. Vending machine. Papa. John's and Popeye's. Go in the car. Get. your wallet. You lazy. Vending machine. Vending machine. It's because I've had. late fees this year. Two. Did I two late. fees this year? I You're going to You're. going to dig on me so hard. I can't. figure out how to put I mean, maybe we. could do this. I don't know how to set. up auto pay for I'm not going to set up. auto pay for you, you child. I feel like. Bank of America is you. But yeah. No, that's really not cuz what is it? Okay.

Maybe. Okay. Okay. Maybe you shouldn't. get back with him. He's incapable of. taking care of himself. You think he can. auto pay? You can't call the bank. I can. call the bank, but you haven't. Cuz now. like I When was the does it say when the. late fees were? This year. It doesn't. say like this year. So two months this. year. Okay. Yeah, that's pretty. terrible. We're month five. There's been. two that you've missed. It's probably. January and February cuz I'm like cuz. you went on vacation that week or that.

month also. So you did February. Oh my. gosh. Do either of you actually care to. get out of this that I'm so confused. I. did go on vacation. What? Where did you. go? I went on a cruise. You know what? Actually, yeah. Get back together. You. guys are perfect for each other. You. will pull each other down. You'll pull. each other down. It'll be amazing. It'll. be amazing. You guys will live in just. completely forever. Yeah. You guys are. perfect. Get back together. Good job. Boom. Is that the end of the. conversation? No. No, I don't think so. Yeah. No.

$100 of interest acured this year so. far. This is spending a [ __ ]. Okay. Capital One Saver card. Yeah, that. one's mine. Is it? That one's probably. mine. See, that's what I'm saying. I. don't know cuz we both maxed out at. basically 2,000. Okay, that's mine's way. higher than that. [ __ ] sake. No purchasing on this. Interest is. acrewing 50 bucks. $1,949. I was I said no per. Okay, I'm just. making sure. Sorry. Good. I just got.

upset that you interrupted me saying. numbers cuz we're trying to put them on. screen as I say them. $1,949.98 is the balance. $68 minimum payment, 13 years to pay. off. Jeez. Okay. I didn't realize that. was mid30s. What's going on with this card? I. honestly don't know what's on that. I. think that was just kind of like You. don't know how you got here? No, I don't.

know what I put on that card. [ __ ]. card. Yeah, I mean probably [ __ ]. But like I generally don't know what I. put on this card at all. I just kind of. She just taps, swipes. Yeah, it's maxed. out. It's the only reason you're not. purchasing. You probably did the month. previous. M I think it's been maxed out for a. while. Which means you continue to. purchase on at the moment you can cuz it. wouldn't be maxed out for a long time. Yeah, cuz your minimum payment will. bring it down slowly but will. Mhm. Yeah. I don't know what's on that.

at all. $200 of interest this year so far at a. 30% interest rate and it's just it's. just Pull out your phone again. Yeah, we. flushed like two grand down the toilet. this year on interest. Yeah. Yeah. I had to log in H to Capital One. No, just give me your phone. Go for it. Oh, that's what you wanted. Okay,

we have New York Times monthly. subscription. Apple Music sideline. subscription. What's that? It was for. work. Was Well, you still. I mean Oh, wait. Some of these are. inactive. And then Photo Room AI photo. editor. I think that one was like a free trial. Pull out your phone. Okay. Thank you. Oh. no. I don't know what I got on here. Is. it just a subscription? Yeah. You creature. You have your ring on.

Thank you. Oh, I thought you were going. to talk about his brightness. Oh my god, it's always so dark and he always has. like the night shift thing. Yes, I hate. looking at it. Like I try to fall asleep. at night. It's not night. He never turns. it off. No, it's always on. You never. know. It's not on right now, but it is. dark. I turned it off. Well, I also have. a privacy screen. Gosh, you guys are. relentless. Shut the [ __ ] up. [Music]. What's on there? H. It's not as bad as. yours. Grinder. Hm. Grinder. She.

actually I do say that all the time. He. has something like that goes off like. every hour. No, this is loading. permanently. I wouldn't have been. shocked. Yeah. I get a notification from. an app. I think it's like offer up and. it's like a money ding. And she's like, "Oh, Grinder went off again." Yeah. He's. popular on there. Mhm. Especially with his new haircut. That's crazy. It is a bit 2000. You don't like the blonde? Just It's a.

bit. 2000. Okay. Alarm clock for me. That's a. built-in app though. Alarm clock. AI. Lens. Apple Arcade. GoPro Crunchyroll. Shutter end. Not as bad as mine. It's. not that crazy. No, because Well, none. of them are cancelled. Yeah, most of. them were like I mean I'm kind of like I. try and finesse one thing in his Amazon. cart TV stand.

Oh, I'm not going to buy that. Well, it's in your cart. Conveniently, both of. them aren't going to buy the things that. are in their cart. It's been in there. for a while. He's getting sport gloves. He's getting a soccer ball, dog calming. shoes, pet toys. Pet toys. Pet toys. And. a tie cable. Yeah. all dog stuff. And then I needed. work gloves to protect my fingers. Are. you going to have his soft hands? Yeah, my my soft hands. So, as many of you. know, I've been a big supporter of.

course careers for a long time. I'm not. just a partner. I actually own stock and. I'm an investor. So, why did I partner. with Course Careers? Because I truly. believe in what they're doing. A lot of. people have questions about online. certifications versus traditional. college degrees. Let me be clear. I. wouldn't put my name behind something. unless I knew it worked. The thing is, not everyone has the time or resources. to spend four years in college or take. on massive student loan debt. Horse. Careers offers a practical, affordable. way to launch a career in a high demand. field like tech sales, IT, and.

accounting, where companies are hiring. based on the skills needed, not broad. college degrees. In fact, right now, one. in three companies are dropping degree. requirements, and that number is only. going to continue to grow. I know some. people think online programs are a quick. fix, but that's not the case here. Course careers takes effort and. commitment, but they provide you with a. streamlined, proven path. They offer. up-to-date, self-paced courses, one-on-one or group coaching from people. that work in the industry, and most. importantly, they help you actually get.

hired. Just look at graduates like. Nomeso, who went from driving FedEx. trucks to a cyber security job at. Disney. That didn't happen by chance. He. put in the work, and course careers. guided him every step of the way. And. what truly sets course careers apart is. that it's not just about learning. skills, about landing a job. Their. curriculum is designed based on what. employers actually need. And their. network of industry coaches will guide. you through the entire process from. learning the skills to interviewing, resume help, and beyond. So, if you're. serious about starting a new career.

without wasting years or piling up debt, give Course careers a try. Start with. their free intro course linked in the. description to explore your options. And. when you're ready, use the link in the. description for $50 off the full course. Your future starts right now and Course. Careers is here to help you shape it. Okay, Chase Freedom. Oh, that's. mine. This one makes no sense, buddy. You're so close to paying it off and. then you put more on it than your. minimum payment and then you allow. interest to acrue. Why? It just doesn't. make sense. It's you could pay this off.

and it could stay paid off. Why are you. allowing this to be better? I just don't. understand. So, I think I was like. trying to get into snowballing. Um, but. like on one of the other ones, like I. put more on that one. In classic. snowball fashion, you purchased on it. What the [ __ ] are you talking about? I. don't even What's on that? What did I. purchase on there? I'll tell you, but. I'm asking why the [ __ ] you're. purchasing on a card that you could pay. off that is acrewing interest. What did. Oh my. Come on, man. It's Amazon and uh.

going and getting gas, but why put it on. a card that is agreeing interest? Did. you get this pay off? Um, probably the. Amazon is just because uh one of the. other cards is like was the one I was. putting my Amazon on, but that one's. maxed out. So, like I put the one. purchase on there. And then gas. If you. can't afford it, you can't afford it, buddy. And nothing on there was a. necessity. The work gloves. How is that. not a necessity? You think that's was. that what this was? Um, you don't know. for a fact. The If there's one Amazon.

purchase on there, it's work gloves. Okay. Interest is acrewing. Takes five months. to pay off. Just pay it off now. Again, I always tell people on the show, just. use theing Fizz card, man. Only spend. what's in your checking account. It. forces you. It's like a debit card. Come. on. Okay. Saver card. This one's yours. this time. Yeah. What's on there? Well, purchases. a balance of it's basically max out as.

well. $4,865.74. Don't look at me. Minimum monthly. payment $166. I think this is a subscription card. Like I I don't even know what I know. why, buddy. But it's maxed out. It's. just it's a it's it's basically 120. bucks a month is gone. Taken from you. and you haven't made much money until. recently. You're just allowing that to. be pulled from your life, from your. future. Yeah. Like I don't know. It's.

just it was so bad before I got this. job. Like I don't even know how I was. surviving. Like it was just all on. credit. cards. And I don't like I don't use the. card now, but anything that is like a. subscription because before like I kind. of when one card like the 0% interest. runs out, I would just get a new card. and that's how I'd have it. And then now. I have a couple cards. And then once my. financial situation got worse, then I. just kind of started maxing them out. I.

just You guys are made for each other. 21 years. 21 years. 21. Damn. Need to not pay that minimum monthly. payment. 50. 50. Why do you want to get. back together with her? Um, I mean, she said it before like. there was a lot of good times and then. like I think we were just in a bad spot. when we did break up and um what pushed. us over the edge.

You pulled the. trigger like she can agree we were both. just it just what pushed us over the. edge. What was the final nail? So we started. getting Oh, I know what it is. We had. the dog and I I feel like I was taking. more care of him at that point. Even. though he was my dog, but we got him. together. Like I paid for him. financially. I was supporting him. financially, but we kind of split. duties. Well, he was wa or she was. watching him and I was talking to my dad.

downstairs. She was watching him. Well, she closed our bedroom door and he was. out and he ended up like peeing in the. house. He was still pretty young at that. time. And I went into the room and woke. her up and like, "Hey, he peed in the. house like on your watch." And like she. had done this like a week prior and like. she didn't like I was upset about that. Like she didn't want to help me clean it. up and I was just like, "Why not help. him clean it up?" It's an interesting. final breaking point. a uh like it was a culmination of like.

okay all like our quality of. relationship was like down at that point. and I'm like I'm like okay you're not. even really like helping me take care of. the dog now that was just like and I. know you're a little more split but why. are you considering well before we get. to that point also I was working a lot. during that time I was working 60 70 80. hours a week and he worked from home so. it's like I come home I want to sleep. which is what Now you probably. understand that a lot more now that you. actually work a lot of hours. But it's.

like I'm not trying to come home after a. 12-hour day and then watch the dog or. take care of the dog. Like. unfortunately, no. Like I'm tired. I. have to be up at 7:00 a.m. Yeah. But if. you guys choose to have a dog and I know. you took care of it financially, if. we're choosing that's our. responsibility. Yeah. And like I would. help out, but it was just like I'm. tired, you know? So it's like you didn't. really understand that. It's different. You're saying I understand it now. My. job is way different. You were you you. were working 12 hours sitting at a desk.

hanging out with a bunch of people. Like. you were probably working, but you. weren't working for 12 hours. When I go. to work, it's 10 hours of manual labor. and putting up 25,000. At the time you. worked from home, you maybe did 40 hours. a week and you played video games also. while you were working. No, I didn't. No, I didn't. That's okay. Well, so it's different. So it's like. Yeah. Like you should 100% have more of. a you know. But I'm saying like it. shouldn't be 50/50. Yeah. I was I was. tired. Like I'm going to take a nap.

Like I'm sorry. We were living at your. dad's house. I get that for sure. But. also at that point I didn't want to be. living there. I wanted to be moved out. Doesn't matter. It's still your. responsibility though if you're going to. take it on. Yeah. For sure. But you need. to be a little bit more understanding. So like now he just got a new job. It's. been a month and he already relinquished. custody of the dog because he can't take. care of it. So it's like took less than. a month for you to realize working this. much hours of a week is really hard. It. is especially caring for someone. So.

from 4:30 and I get home. It doesn't. matter between 3 and then as soon as I. get home I go it's been 2 months before. you got rid of the dog is what I'm. saying. Yeah. And then as soon as I get. home I go to work at the remote job and. I work anywhere from 3 to 5 hours. So. then I go to bed at 8 to 9. Like what. when am I going to take care of when am. I going to take care of the dog? Exactly. And that's what I'm saying. At. that time, when was I supposed to? I'm. not saying you were supposed You weren't. in soul taking care of the dog at that. point. I wasn't. Like, you were. interested in him for like 15 minutes.

and he peed. Okay. Why are you. considering me? I I don't know. Like, again, I' I've said here, man. No, I've. said it before. Like, things used to be. good. Like, things were good. And I feel. like I've definitely am getting in a. better spot in my life. And it's just. like What? Are you getting worse? You. said it's only gotten worse. And I kind. of have the proof of that. Okay. So, where's your better? It's getting. better. Your better is you slept around. for a little bit. So, now you know what. it's like outside of him. But that's.

crazy. Okay. Well, I mean, that is what. happened. I didn't sleep around. Okay. You dated someone else. Okay. Yeah. Yeah. One person around. You saw what it. was like on the other side. Now you want. to go back. Well, not just cuz Oh, it's. not great on the other side. cuz yeah, there was definitely a lot of good parts. on the other side for sure. But I. realized crazy. That's not crazy. It was. like I I had a great time with said guy, but I wasn't in love with him. I broke. up with him. I was like, "No, I don't. really see a future with you." And it.

was just that versus I did see a future. with him when we were together for the. longest time. So yeah, I would like to. have that for sure, but I don't want to. move backwards. Unfortunately, her. actually having that conversation with. him is I feel like a big step forward. cuz she has a problem with having. difficult conversations. Why is it a. step backwards, though? I understand. it's it's someone you've been with, but. why is that a step backwards? That. doesn't mean you guys aren't able to. move forward together. I'm so confused. It's not is I don't want it to be a step.

backwards. Like, I don't want to. How. would it be? Because Okay. Going into. the. same No, getting No. getting into the. same relationship as it like I like to. be taken out. What if it's better? But. it it wasn't beforehand. That's what I'm. saying. I'm saying what if it's better. this time? He's now sitting on his I. don't know that. But I don't know that. Well, he has changed Alisa in terms of. the But no, now he's working forever. Now he doesn't have time for me. But. versus when he did have time for me, he. still didn't spend it with me. That's. the difference. So it's like I don't. know that it's going to be better.

because now he definitely has is like. kind of true. But my job when that was. my only job. I worked it. That was. solely it. And then he played video. games. He sat on the couch. He didn't. want to go out. We didn't want to do. things. And unfortunately, I need more. and other people would give it to me. But what she won't say about that job is. the freedom that I had with it. She did. like that because she had freedom with. her restaurant job. So, she's going to. want she wants to one where oh, we take. like two trips a year. Like she wants to. do stuff like that. But obviously it.

doesn't look like either one of us. should be taking a trip for a long time. That is true. But still like, do you see. what I'm saying? She wants an exciting. relationship, which it was in the. beginning. Like we did go do a lot of. things. Exactly. And then it got to the. point where I felt irrelevant. So yes, when he did break up with me, it. was easy to leave. How much did you. speak up for that? How much did you. advocate for Oh, she only she only said. anything when I started a hard. conversation. Like she would never. initiate any conversation that was hard. And that was a big problem I had. And.

that's why I felt really weird like when. we did break up literally like it was. crickets. Like I didn't get anything out. of her. Like I didn't get like an okay. or like a like not even her opinion on. whether or not we should like no like. push back at all. Yes. Cuz we had the. basically the same conversation couple. months beforehand and it was literally. like me begging to stay. It wasn't her. No, it was not you. You guys are. training like No. And that's the thing. So, it's like, no, I'm not saying it's. going to be a step backwards, but it.

could be. The purchasing you did on, you're. basically max out saver card, dude. Amazon, Apple, Amazon, vending. machine, vending machine, Spotify, Apple. bill, Apple bill. But that's like double. click, Apple chat or uh Apple Pay. So, probably just some more [ __ ]. monsters, whatever you're doing. Energy. drinks, dumb, 30% interest. I don't. understand the point, man. What's the. point? Why are you doing this? The. interest acred this year so far nearly.

600 bucks. Damn. Okay. Amazon Chase. Chase Amazon who? Oh, that's. mine. Okay. Says minimum monthly payment being. made less than. the No, here it is. Okay. Minimum. monthly. payment five uh. $57.75. Balance is.

$393.80. Okay. Interest is. acrewing. Interest is occurring across. the board. Just again, it's another card. that you could probably just wipe off, but yeah, I'm working on it. Prime Visa. Oh, I think that's just a continuation. Who's the Hyundai Sonata? That's mine. 2023. Yes. At almost 8%. Yes. Okay. Wow. It's a huge balance. Yes. It's less than.

it was. Uh it should be as long as. you're making your payment. $16,191.17. Mhm. Minimum monthly payment 36. 356. 356.34. Mhm. Okay. What is this car worth? Um, I. think it's worth, Last time I looked, I. want to say it's worth. 23,000 around there. Are we looking up.

the what it's worth? What do you think? Probably. We're getting about 20. 20. But even still, that is an equity. position in the car. That's not. horrible. Mhm. She did put a good amount. down. I did. Yeah. And I'd probably sell. it. Get a $10,000 car. Use the $5,000 in. equity you're going to probably get. Put. it towards it. And then only $5,000. loan. Yeah. She's not willing to change. She doesn't care. Just like I said. before with the car. Of course not. Why. a piece of metal? Who gives a Because I.

like it. I don't give a I want you to. get out of She stores. It doesn't. matter. Like she's the person I would. kick off. She's the person I would kick. off. She doesn't care. She doesn't care. She's not willing to sacrifice. She's. not willing to comp. And you're 21. You'll have so many more opportunities. for nicer cars. Who gives a [ __ ] Make a. temporary sacrifice. Get out of debt. Get a fully funed emergency. Have fun. And stoping. around, dude. It doesn't matter. It's a. car. Who gives. a Who cares? Yeah. Who cares what the.

person It doesn't matter. Um Yeah. I will say like she did um buy. this car. Her car before that was a. pretty piece of [ __ ] I'm not saying get. a piece of I know. So, and I wasn't. going to. And so, like, what is this? Her relationship is strained with her. parents. All y'all's relationships are. strange. I don't know what that is. Um, that's my car note. Okay. What's your. car? Um, a 2012 F-150.

Great. So, you can haul your groceries. I'm thrilled. Well, I got it for a. reason. Um, when I moved out to uh, Colorado to. be a snowware instructor, I had a. different car that was actually a piece. of [ __ ] And on the way to Colorado, driving to Colorado, justify, justify, justify, justify, justify. On the way to. Colorado, we were driving. Yeah. The. tire. Well, guess what? You've had this. for a while. It's used, and yet you're.

still underwater like 4,000 bucks. 8,000. How'd you get the car? Huh? How'd. you get the car? He got bailed out. again. My mom when I moved out of. Colorado, I didn't have any money and my. mom lent me. Is it jealousy or concern? No, it's just cuz he does it. It's It's. definitely concern. It's definitely. concern. I don't know. Hey, my mom, she. lent me $3,500 to put down on it. Listen, you're never going to learn your. lesson though if you always have. something to fall back on. I know. That's why I don't like That's why I'm. like I'm working on moving out now. And.

I mean with mommy? No, I'd live with my. dad. Well, same thing. Same. Yeah, I. know. But I have And you I live by. myself. Okay. Do you look down on him for this? No, but it was I do. Yes. But like she. can't say that I've lived away like I. lived on my own in Colorado. Like I paid. my bills. Like we live together in. Jacksonville. Yes. Like I have lived. away from home. And yeah, I have gotten.

parental financial support, but I mean. if they're willing to offer it, but I. have I feel like it has held me back, but but it's just when we were together, we both lived there with his dad and it. was only supposed to be temporary and it. wasn't. And that was How long? It was. like 6 months was what it was supposed. to be. Well, when we broke up 6 months, No, we lived with your dad for a year. and a half. No, we moved. It was. supposed to be 6 months and then you. decided you wanted to go to Colorado. So. I stayed there for another 6 months and.

then you moved back and it was another 6. months. It was a year and a half and it. wasn't supposed to be like that. Well, I mean you ow basically $12,000. It's. $11,88847 $357 minimum monthly payment. What's the interest rate? Uh it's high. Uh 13 maybe 12. in high gas and you're dogging on me for. my car when you did the same exact. thing. Well, I got it cuz I had to drive.

40 minutes through col like the Colorado. mountains to get to work. So, the only. cars that people have there are trucks, um, four-wheel drive moved there with. had a Volkswagen Jetta and he Well, there was also days, you know, I drove. every day to work, right? No, I did not. He drove like he drove the occasional. off day. Like if we had an off day and. he wanted to go snowboard, then he. drove. Like if if there was like any. real snow, he couldn't go. Like. is that all the debt? I think that's all.

the debt. It was the Bank of America. checking account. Was the Bank of. America checking account with 825? Yeah. Went down from 1,322. I think I paid stuff off. Nope. Uh, you just spend on the credit. cards to make up whatever amount you put. towards it. So, it doesn't even matter. You're getting energy drinks. McDonald's, Amazon, employees lounge thing. Uh, energy drink. Energy drink. Energy.

drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy. drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy. Energy. Energy. Energy. Energy. Sally. Beauty. Um, for who? Wait, what? Sally beauty. Oh, that's for my hair. It's I dyed it. blonde. Energy drink. Energy drink. McDonald's. Energy drink. Energy drink. Probably. more in there. Keep energy. Energy.

Energy. Energy. Energy. Energy. Energy. Energy. Energy. Energy. AMC. Energy. Energy. Energy. Energy. What the is. wrong with you? Buy a bulk. You dumb. tit. You're stopping and spending out of. money. like four bucks median each time. Yeah, I need the energy drinks to go to. work and it's hard to buy in bulk, you. but then you would cl you would be like, "Oh, why are we buying energy drinks on. Amazon?" I Yes, I would because you. should brew coffee. It's honestly. cheaper, but even still, it would be.

better objectively. financially. I sometimes I try and drink the coffee. at work cuz it's free, but it's so I. said brew coffee. You can make good. coffee and it's affordable. I I don't. know how to do that. Like I Are you It. is literally the easiest. Also, I don't. really like uh You know, there's like. two coffee makers at your house. Yeah. Well, and one's a cure egg and one's an. espresso. Daddy, he will help you, little boy. There's actually one cuz. they're all broken. Oh, is it the cure. egg? I got the only one. No, that one.

broke. Sounds like it works. I just don't like coffee as much. I. really like the white monster. You zeld. money out and you Venmo money out. Your. checking account. 358 started at 1,149. Nothing to show for with the max out. credit card selling money out noodles. Uber going and getting some [ __ ]. Steak and shake marketplace. Steak and. shake. Venuing out money. Bubble down.

one. How many dates do you think are in. here? Probably not on my card. Oh, that's a shot at me cuz I she was the. man in the relationship. If I can pay. for him, I. guess. Whatever. He asked. Bull. Getting waxed before flying here. with you. No. Getting waxed again. Mhm. Or a tip. Wax. Wax. Tip. Uber Eats. Amazon marketplace.

Amazon marketplace. Amazon marketplace. Going to get into [ __ ] Selling out. money. Cashapping out money. TJ Maxx. Chuck-E-Cheese. All right. Predator cash app money Chuck E. Cheese. It It was It was with um I can't say. names, but yes, I'd hope so, though. No, it was just Fresh Kitchen, vending out. money, selling out money, and bull. Mhm. This is stupid. It's so pointless. Savings, $862. Not a retirement for.

either of you. Um, I do have a 401k, but it's too I. don't I don't know how to How much for. each? Probably like three grand maybe. Yeah, mine was good, but when I moved to my. new job, they didn't offer for rowing. So, I did pull some of it out. Yeah. Wow. That doesn't make sense. What's the. logic? Because they didn't offer you. pulled out. That doesn't Well, to roll. it over. Oh, you rolled over to an IRA? I some of it and some of it I pulled. out. How much did you pull out? How much.

did you pull out? I pulled out 4,000. Why? Because like I don't know. I don't know. Because I don't know because I just. pulled it out. Oh, for sake. That's so. [ __ ] I know it is. I know it is. How. much is left? 2,000. So is that six? So you want This is what. you want. Wait, buddy. You need to get. on the apps. I don't like the apps. No. one does. But you need to move on. They're terrible. They're so bad. They. are. But you need to move on my 401k.

than you did. But yes, I pulled it out. I did. Doesn't matter again. I don't. give a about how much you have in yours. I only have like 3K. Okay. I don't give. a [ __ ] about the past. It doesn't. matter. Good or bad. I'm only judging on. now. Yes, I know. This is theing. internet. Mhm. Well, it kind of is. But. I have a 401k now. My new job and I'm. contributing to it. So, we're building. it back up. Mine should be more, but I How do I make. a budget here, guys? You're two. independent people. I've never had this. before. What What What am I supposed to. do here? What am I supposed to do here?

Separate ones. Oh, that would make the most sense. All right. Well, let's start with the. one who's, which is who? You. What's your income. now? It was like It's 4,200 now, right? Okay. What's your rent? 2100. Yeah. Why? So, um, obviously when broke up, I moved.

out and I signed the apartment I liked. the most that I wanted to get and I. definitely shouldn't have done it, but I. really like where I live, but yes, it's. expensive. I told her not to do it. I. said it was so dumb. But she was going. to be paying like two grand anyways for. a house that we got cuz I was broke. Yeah. So, I was like, if I was going to. spend it on him, why can't I just spend. it on myself? So, it was very spiteful. So, I did it. She's got a lot of spite. over there. I do. I am very I'm a very. spiteful person.

Minimum debt payments are. $710.34. Utilities, including internet, how much? Um, internet's in the rent, and I believe water's in the rent, but. my electric bill is about 70. It's not. horrible. Gas, vroom, vroom, drive, drive. Right now, 150. It will change in. the next two weeks. Two. Um, let's. budget for that. I want to say, let's. say 100 just to be safe. Okay. Car. insurance. Car insurance is. 230 a month. Phone bill. That one. That.

one's a little rough. What? It's like. 175. TP fund. $100. Makeup, tampons, whatever. the you need. Food, $300. Use the. cookbook. Cook for each other if you get. back together. I don't give a medical. healthcare. Anything that needs to go on. a monthly basis. Um, it'll come out of. my pay in like 30 days when I when my 90. days is up or insurance for the dog. Um, I also get it through work, so it'll pet. food, 100 a month. Gym, uh, 26 a month. Anything else?

Um, oh, shoot. I don't know. Uh, food, no subscriptions. I would. say I think I honestly like essentials. needs. That's probably it. Yeah. Okay. Um, you need. two. No, you need. $3,910.34. Lucky with that. My rent will. be going down shortly cuz my lease is. almost up. When does it end? Um, it ends.

August 16th. Good. And I already have a. place. And how much is it going to be? It'll be a,000. Good. Flat. That's good. I know. So, at that point, we'll budget. for there. That's going to be. $1,389.66 left. Mhm. Once you move. Once. I move. Yes. You're going to trade. Get. your car. Your car. You're going to owe. $5,000 for your new car cuz that's what. you're going to do. Cuz you're not going. to [ __ ] Cuz you're not a. child. Don't be dumb.

$1,000. Now that freedom flex is crazy, though. Yeah. Your total debt is. $15,888.78, I think. Unless I'm missing. something. Am I missing something? That. should be everything. I don't I don't. think I owe anybody any money. [Applause]. No, I have That's if she sold the car. That's if you sell the car. Yeah. Yeah. Good. Three. But if I don't, it's what?

Mathwise. Yeah. Under a year. You're. debtree. Mhm. That's what you're going. to do. Except you're only getting worse. So that's what you have to do. You're. only getting worse. Stop. That's what. you have to do to get out of debt. Well, I didn't resign my lease, so that shows. Yeah. You're only getting worse in your. behavior. You're giving up. You're. changing apartments. It's a very minimal. thing. Income for you. Yes, but it's not. behavior. You're just going to spend the. extra money you have. She's actually. getting a nicer apartment. It's just. she's getting $4,000 is your income. What's You don't have rent. Do you pay.

anything? 500. 500. Is that for. utilities, everything, too? Yeah. Cool. Let me get your debt payments. Your. minimum monthly debt payments almost. identical. Like, we really are for each. other. $74241. gas from vroom drive. Um, what I say, let's just say 100 a month. I My brother. gives me car insurance. Um, 130. Phone bill. I don't have one. Mom pays it. Okay. Like, how does the.

grocery situation work at home? Um, like. since I work so much, I don't buy that. many groceries, but I do buy my own. food. Well, you could be meal prepping. then. $300 TV fund just as with her. $100. Medical healthcare, anything that. needs to go out, co-pays, what not? Jim, um 26 a month. Okay. Anything else that. needs to be in your budget that I have. not put in there? Um no, I think that's it. Yours is a lot. easier, but also more debt. So, $4,000. is what comes in. Going to minus what's.

required to live. $1,89841. You have an extra. $2,1159 left over. That's crazy. Yeah. You have. $29,6272 of debt. Wow. And then for you, it takes just. over a year to pay off. Then you guys. can get together and all up over again. Listen, I don't know. I don't know, guys. I We're going to get into more.

drama that I wanted. I know this is a. lot of drama, but I kept trying to bring. it to finances. So, there's more drama. we're going to do in the post show. So, stick around. Then I'll give my final. vertical whether or not they should get. back together. So, make sure you. subscribe to that. The Hammer Elite. membership is the best YouTube. membership on the history of the. platform. They have told us that. themselves, the platform, so check it. out. Really helps support the channel. A. lot of extra content, thousands of. hours. Hammer Financial Squads. Go you. Spending in a budget. You didn't. overspend. You were about half, but you. still spent a lot of money that should. have gone towards that. I'll give you a. four out of 10. Debt, it's pretty bad.

It's not horrendous. It's not the worst. thing in the world. Two out of 10, though. Uh, emergency funds, no savings. as far as I saw. 0 out of 10. Retirement. definitely behind for your age for sure. About a two out of 10 with that. Real. estate, zero out of 10. Your hammer. financial score, not terrible, is. rounded up to a two out of 10. And you? Yeah. Well, you have some kind of. stripper name that we gave you. What is. it? Violet. Violet. Yeah, I know. Wasn't.

a big fan, but better than Destiny. That's crazy. We Oh, just kidding. What? We know someone. No, her name's not. Never mind. Just kidding. Actually, there's a streamer named Destiny, but I. don't think stripper with that. Yeah. No, Destiny. I was think you're spending. a bunch of overspend. Zero out of 10. Debt, it's not that bad. But you are. over maxed out on a car, so I can't give. you any higher than one out of 10. Emergency fund, you had a little bit in. savings, one out of 10. Retirement. pulled out, but for your age being. younger, you're all equal at 2 out of.

10. Real estate say 0 out of 10. What? I. was going to say I still have some in. there. The amp up and you still pulled. out and it's dumb. I know. Hammer. financial score round it up to a one out. of 10. So you win by a little bit. Guys, join us for the post show. It's going to. get juicy. Going to pull out some extra. drama that we didn't talk about. demonetization reasons and just [ __ ]. trying to stick to the finances. So make. sure you subscribe and if you don't want. to be like them, download the budgeting. app, sign up for the annual version, and. I'll send you the notebook and cookbook. signed by me directly to your doorstep. See you in the post show. Let me ask you. this. Did you just not sleep with one. person since well this is all going to.

go out right? It's behind a payw wall. The audience will not know. Say the. name. What's your verdict on getting back. together? I would want us to start going. like dating again. Like he suggests just. that. What do you say? I would. He's considering getting back with you. and you're considering moving across the. country and he doesn't even know this. I. have no idea. Exclusive members content. Click the link in the description or pin. comment below and watch thousands of. hours of extra and uncensored content.