"Islam Is The Most Feminist Religion" | Financial Audit

We're here for because of him, okay? Are. you sure you're allowed to speak out. against your husband? >> Islam is probably the most like feminist. religion there is. The Middle East. It. is. Middle Eastern countries that are. most well known for their I think that's. all because of media portrayal. What? Yes, it's media. She said in her. pre-interview that he needs to hear. financial advice from a man because he. won't listen to a woman. You are more. open to advice when it comes from your.

male friends, so I thought maybe Caleb. That doesn't mean a man. My friends who. are male So they're all men. DOLLARWISE IS FINALLY HERE, sending. waves through the personal finance. world. This is officially now the best. budgeting app on the market, and I'm. giving you a special deal to download, but only through March 31st. Take a free. 3-day trial to test it out, and then you. get the monthly plan at a 33% discount. for the first 3 months or the annual. plan at an insane 50% discount. And with. the annual, you get my budget-friendly. cookbook and my brand-new 30-day. detailed budget meal plan signed by me.

and mailed directly to you. After March. 31st, the cookbook is going away. forever, so this is literally your last. chance. Don't miss the opportunity of a. lifetime. Download Dollarwise and start. your free trial. Go to dollarwise.com or. click the link below. Hi, my name is Mohammed. I'm 40 years. old. Hi, I'm Celeste. I'm 29 years old, and we're from San Diego, California. And this is financial audit. Yes, it is. It is financial audit. Mohammed, what do you do for a living in. San Diego, California, my dream city if. it wasn't so I'm an applications.

engineer. Okay, please make money. What. do you make? Please make money. Like my. salary? Yeah, what do you make? 91,000. Okay, okay, I'm happy. Listen, San Diego. very expensive. Basically, it's. literally if you don't know this, it is. factually, statistically the best. weather major metropolitan area in the. entire world. Nice. Lucky us. I'm. jealous. Actually jealous. Okay, very good. What. does that break down on a per paycheck. basis or per month net? Per month net is. about 5200, I think. >> Okay. Cool. Listen, San Diego, that's.

still going to be hard to live off, unfortunately, alone. Luckily, this is a. married? Yes. Married household. So, what do you do? What does Celeste for a. living? So, I am a healthcare. coordinator. Okay. What do you make? I. make about 3150 an hour. All right, yeah. San Diego, it's okay. Yeah, what hits. your per paycheck or per month basis. net? So, uh right now, it's it's 1,700. >> How many hours are you working?

A week? 30. 30 hours a week. >> Well, if you know that's not enough from. the looks you're giving, why aren't you. working more? Um just medical stuff. Morbid obesity? No. No. >> Well, what else? Uh anxiety. I have. anxiety. I have a panic disorder. It's. crippling. I work 50 hours a week. >> Well, I'm also a mom and I'm a full-time. Yeah, well, that would be more of an. Okay, both of those would be more of an. answer. Yeah, I have insomnia. I'm not.

making excuses. I work 40 hours a week. >> [snorts]. >> I'm just saying. How long have you guys been married? A. year and How's the kid? Four months? He's seven. One kid? One kid. Are you the sperm? No. No. >> I'm the stepdad. Right. What were you. doing? It It was just a bad. um relationship. >> Relationship, not marriage. No, it was. not a marriage. Actually, um. he was not planned.

>> [screaming]. >> Shocked. Yeah, we broke up and then I. found out I was pregnant. Oh, for [ __ ]. sake. You've been engaged three times. Uh yeah. Wait, how are you even. confident that this one year and. marriage is even going to work, honestly? Engaged three times. What are. you doing? I mean, it's been good so. far. Like, there's nothing. um. >> It's been good so far. Yeah. Okay, I. mean, you're wearing like the special. outfit. Before you get triggered this episode. was filmed before the war in Iran.

buckling. So I'm assuming. We're in the Muslim area of religion. >> Muslim area yes it's not. an area no. No area because there's also. you know there's like Sheikh and no no. no what what am I thinking of now I. don't practice them but you know when. you get into the mountains it gets a. little exciting. The the Buddhist monks no not even. Buddhism. There was this one guy in high school we. all used to call him a terrorist. Oh it.

wasn't me right. He wasn't a Muslim he was just another. one very peaceful religion. I mean. they're all peaceful if you think about. it. saying that we're not peaceful. >> [laughter]. >> statistically it's just. of the the least currently practice ones. I'm not saying you guys aren't I'm sure. I know the vast majority are but if I. mean if we have can pull a stereotype. out of. >> [laughter]. >> out of a. We're not going to go into. that Caleb. I I'm not trying to go into. it I wasn't saying that I was just like. I didn't know for if you were Muslim or. one of the other ones that sometimes.

looks Muslim but isn't Muslim but you. are Muslim. Yes I am Muslim. >> Okay we're. well actually I make fun of all. stereotypes here and but. I'm not I'm not freaking out about. anything I'm not even I'm not accusing. you. We're here for because of him okay. Well that's great but I have a question. about you you've been engaged three. times how do the Muslims feel about that. of your parents I feel like they. wouldn't be so happy especially right. out of wedlock right wedlock. Well. I. wasn't always Muslim.

I was actually raised Catholic well not. Catholic. to Muslim. Yeah. I think. that's a little more rare in Western. culture. It is but um. Okay. I love it I. love being Muslim. >> Sure what what why what are the perks. Um. What are the benefits? That have that come. >> Salvation. >> [laughter]. >> Ah, okay. The overall big religion now. Okay, so Cuz it's the truth, my friend. Okay, so it's more the what comes later. you like. It's not the now thing. No,

definitely the now, too. I always like. growing up as a child, um. I never I always questioned the Bible. And so like I never. >> You don't question the Quran? Of course. I think question everything. Well, I. don't think you're allowed to question. the Quran, especially as a woman. Uh no. [laughter] Definitely not. I mean, come. on. Let's be honest. >> It's It's not that. No. Islam is. probably the most like feminist morals. uh. >> [sighs and gasps]. >> religion there is. Like very much. protective of. >> Yes, it is certainly.

Middle Eastern countries that are most. well known for their. feminism and freedom for women. It is. The Middle East. If they're. practicing Islam, yes. So, you're saying. they're all practicing it incorrectly. everywhere, including. Mecca? I mean, if they're oppressing people, of. course, yeah. Then they're doing it correctly? >> Maybe. Maybe. I don't know. I don't live. there. Listen, I wasn't even trying to. talk Islam. I was [laughter] just trying.

to go off of your engagements, and I. didn't know you converted, but I mean, to say that. the Middle East is the most feminist. part of the world. is curious. Well, she didn't say the. Middle East is the most feminist. No, she said she said Islam. Of which the. Middle East is the home of. It is. I. mean, Indonesia is the most populated. Muslim country, obviously, but you know, the core where it spread from in their. colonization efforts was from the Middle. East. Colonization efforts? Well, all.

religions colonize, absolutely. It's. just one of the more recent ones. I. mean, Indonesia and and even the. Philippines at one point, I mean. that was by Muslim traders, right? They. just went over there. >> Yeah, sure, but when you pushed into. Africa and especially Spain. >> Yeah, okay, yeah, there was an empire. There was an empire, all right. >> an empire and the Christians did it. back. All bad. Not a big crusade guy. I. don't really like killing in the name of. religion, either way. >> yeah. But you're telling me women are.

more free in Islam than any other. religion? I mean, if I mean, I feel like. Listen, I just like I'm going to convert. to Islam, I don't care. Uh Islam's fine. I I don't have a. problem with Islam as a whole. But when. you come here and you say it is the best. religion, most feminist religion for. women, you're going to lose me here. based on everything we see in the. literal world. I mean, it's. >> With the most theocratic regimes. being Islam Islamic right now with the. least freedoms for women and most.

violence against women than any other. countries. I think that's all because of. media portrayal. I don't genuinely. believe that's the type of What? Yes. It's media. What are you talking about? I'm talking about the fact that you. they are portraying these countries in a. certain light and that. >> So when women had a lot of freedom under. an oppressive regime that was Western. focused dictatorship in Iran, don't get. me wrong, not perfect, not purely.

defending Western Western Western or. Christian Christian or anti-Muslim. That's not what I'm doing here. But when. they had that, women could go to school, women could work, women could go outside. without wearing the outfit. You're. talking about Iran? Iran, yeah, Iran. >> So women don't work or go to school. there? Check your facts, Caleb. Or can go to. school. Do you think they have the same. freedoms they had before it became a. three theocratic regime? >> Well, by freedom, what is your definite. that women can go out naked or what? >> Naked? How about just not wearing the. outfit without getting beaten and locked.

up? >> And locked up if they don't wear. >> police, yes. >> Oh, okay. What? Yes. Again, this is not. an anti-Muslim thing I'm talking about, but when you are going to come here, I'm. sorry, this conversation is derailed out. of the gate. [laughter] Usually it. derails a little further. And say it's. the most feminist. Mhm. That goes against everything that. everyone can see with their eyes right. now in all countries. In Saudi Arabia, they just got the right to drive a. couple years ago. A literal couple of. years ago. Mhm?

Mhm. You would be beat in Iran if you took. the scarf off. No, I mean. >> What, you get beat in San Diego? Is that. what you were about to say? I don't think that's the case. I don't. think the American government has. officers around beating you for not. wearing certain things. Not necessarily. in that regard, but Not at all in that. regard, actually. Mhm. I think what she's saying is. the media had a certain portrayal. No, no, no. The media had a certain. portrayal. What was that portrayal? And. then she met me, what you're saying. right now. And then she met me. But what.

I am saying is true in those cultures in. the theocratic Yeah, those cultures, but. not Muslims. Here's the thing. I know. you're not Muslim. But she's saying that. culture is the most feminist, but those. states that are led from Islamic. principles are the least feminist states. in the entire world. Well, it depends on. what you say about Islamic principles as. well. They say they're theocratic. They. can say all they want. That doesn't mean. they actually are practicing do it. Okay, well, are we going to do the whole. thing that Christians do with shellfish.

and a bunch of [ __ ] like that? Are we. picking and choosing what we like. depending on our world values? Western? No, but here's the thing. This. is what I'm going to say, okay? Because. I think what she's trying to say is. this. When we started. >> We're in so much debt. >> Okay, then you're not following Islamic. principles. That's true. >> Then what are you going to tell me? What am I going to tell you? What Well, you're not following it then. We do our. best. It's not about just being perfect. >> There it is. It what it is. You do the. best you can. But uh but.

>> why you go further into debt. That's. doing the best you can? It is. I mean, yeah. We We're failing on that front. It's I mean, I don't care that you. reverted to Islam. I. I surround myself with people who have. Islam. Like we've had people that work. here that are Muslim. I don't give a. about that. I don't really care. As long. as you don't shove, just like Christian, as long as you're not shoving it down. someone's throat, I don't give a. But what you said about women is. dangerous because women are being. oppressed and killed. And as someone. that actually wants freedom I'm not.

saying that those aren't, you know, those aren't real issues. >> world. They're real issues. It's not. just Muslim world. It's happening. throughout the entire world. >> that is by the Muslim-led countries. where the religion is the state. Objectively. I mean, I'm sorry. Objectively. And Western values are a good thing. I. know there's this big, crazy anti-West. happening right now in our culture. Makes no sense. So where women can be. free and do what they want. That's not a. bad thing. And you get to do that here. As a Muslim. Mhm.

>> It's not anti-Muslim. Again, I want to. be very clear. So you converted for him? No. No. >> Oh, well, when did you convert? Uh 3. years ago. Okay. So it was before you met him. No, no, no. It was 2 years ago. >> [laughter]. >> So you didn't convert for him. No, not. at all. >> not. I chose this faith because I believe in. the values of it. Okay. And. um Well, that's good. I mean, he. introduced me to it. >> just like any religion and any religious. person, the values You're picking and.

choosing, for sure. Absolutely. >> It it would be pointless. >> trust me. I mean, it'd be pointless to. revert if um if it was for him. >> Oh, convert. Sorry. We believe that. um everyone is born Muslim and the. um influences of the the world make us. not. and. what not. But yeah, convert I converted to. >> Caleb doesn't want to hear it. I'm. listening this is a little silly but I.

don't think it's silly. Why my my is like you can't put that on. me. You can't tell me I was born Muslim. Well, it's not like that. Remember. remember when I said that I'm okay with. everything until you shove it down. someone's throat. Yeah. No, that's not. that's not what I'm The reason she said. revert is this. Okay, so it's called the. fitra, right? It's the idea that we're. all born with the innate. disposition of believing in God, a. creator. >> give Okay, awesome. Very good. I'm just.

trying not to get too off track. immediately cuz we are 20 minutes in. Who knows how much of this. has stayed in so far but listen, okay, so you didn't convert for him apparently. allegedly maybe. but definitely it was when you guys met. and before you got married. So you have. a kid. So your parents are not Muslim. So they don't give a about your out of. wedlock thing but you do. No, my mom did. definitely. She was Christian. So I mean. she loves my son. So. um Okay, why am I saying she doesn't? My.

goodness. Okay, jeez. I just thought it. would be controversial based on the. garb. I mean I feel like So you're saying. you're on here cuz of him. What is that? Are you sure you're allowed to speak out. against your husband? Sorry, continue. [laughter]. I mean technically not but I mean yes, we are here. NO, WE'RE HERE. I genuinely. think he's hiding things from me. I. think he's. not telling me everything about our. debts or at least what his debts are and. Well, that is if you guys believe in the.

Sharia law version. Are you Sharia? Trigger warning 2.0. Before a. performative YouTuber complains about. Caleb being an Islamophobe, also send. them this video titled he just sucks. where he did the literal exact [music]. same thing to a Christian guy for being. a hypocrite about his own religion and. this couple for being crazy about their. religion. Cry harder, [ __ ]. Sharia just means the path, right? That's all it means. Is it the actual. specific law itself? What?

>> that it cons- that it constitutes. I. think it's best if you don't take. interest-bearing things out. Yeah, of. course I do. He can have three more. wives? Technically, yes. And you're okay. with that? Hell no. Well, then you are. not following. I thought you reverted. It permits, it doesn't require you to. marry three, but it does permit. That is. verse 4:3. That's what they call them. You can have a marriage contract, and. then she can say, "Hey, I will divorce. you if you marry another wife.".

>> Yeah. Yeah. Of which, by the way, you. saying that it's all his fault in 4:34, he is allowed to strike you as a. disobedient wife. I mean, me. >> [laughter]. >> saying. >> with that? That's not. We can go I can go into this all day if. you really want me to, but. we would go down. He is allowed to. He's not required to, but he is allowed to. >> no, that's not how it works. Okay, to. you, but for most experts that have gone. through it. No. Um okay. Uh by the way, in this conversation,

this is very important as of Quran 2. 2:82, a woman's testimony in financial. matters is actually worth half of that. of a man's. So, you're actually only. able to speak on half of what you're. about to do. The rest he has to do. Cuz we're doing. the Sharia version, so we have to be. very literal. And we have to follow the rules as it. said, because we reverted and we care. about the values, because it's the most. feminist. thing ever. Uh so, you can actually only. speak on half of this. Your value is.

only half, unfortunately, when it comes. to uh finances. And what You had a son, right? Yes. Okay, very good. Are you. guys going to have any daughters? What's that? >> Are you guys going to have any. daughters? I mean, hopefully. >> Well, they can only get half the. inheritance actually legally. Mhm. Uh sons, they get 100%. Women, they actually can only get half. Mhm. I really hope you never re-revert. because then he is actually required to. kill you. No, that's. Yes, [laughter] actually that is. religious stuff. >> you're just reading stuff and you don't.

understand what you're reading. >> researched and through through people. that are not in the religion but. actually study from the outside without. having the bias of being born and raised. in it and then have that disproportion. [clears throat]. because their faith and just like anyone. in Christian who I do not rely on to. actually speak about Christianity. because they are so full in it that they. actually can't think critically about. the religion. that same thing happens for people. within Islam. Why do you think I'm. hiding debt anyway? Why? >> Yeah. Nothing to do with. >> what's up with this debt?

So he likes to buy statues. Of Muhammad? Probably not. >> [laughter and gasps]. >> What? Can't have those. Okay, what statues are you buying? Um, okay, well I'm a movie guy. comic book. buff so Predator. Aliens, Terminator. Batman. >> And Superman for statues? I am in debt.

for statues. >> What is our numeric debt for statues? Maybe 50,000. 50,000? Well, that's $25,000 to you. But. yes. What the That's crazy. Why? Why 50,000. for statues is insane. Show me one of. these statues. Can I see one of these. statues please? >> me to pull one up? >> Yes, if we're $50,000 in debt for. statues and you just married this woman. Yeah, can I Sorry, I don't want to go. back to it but listen, do you do you.

feel because of the faith that you have. that you don't need to have this. conversation with her? No. Okay. >> You keep going you. you said it wasn't It's faith thing but. it seems like you're really No, I had to. ask if that was your perspective. >> No. And you're saying no, so I believe. you. I trust you. Again, I I have. absolutely no care in what you guys. believe. Okay, but um. I care when people believe the wrong. thing. Okay, and you believe a lot of the wrong. things cuz you don't understand. I could go through it with you if you'd.

like. Not here, but. maybe another time. Let's see the. statues. Um Very exciting statues. >> is uh. not uh Oh. It's not connected to the. Wi-Fi? No, I'm not. >> Mine mine is connected to the Wi-Fi. A foldable phone? Yeah. >> Like people had those. Google Chrome. Oh. Oh, he sent me a. link. Oh, he did? Okay. Yeah, let me see. these. Are these like human size? They're. Where are you putting them? Uh I mean, it's cool, I guess. Do you.

have like a movie theater in your house? Dude, they're Yeah, they're like three. the deluxe bonus version? I have that. one. I have the deluxe bonus version. >> storage, Caleb. >> How much did that much depth did you. think it was? 30. You were okay with that? >> No. What are the financial conversations. that happen in this house without the. striking? The I mean, usually I'm the one who. initiates them, and we talk about it, and yeah, we we have certain numbers. We.

use the. um EveryDollar. No. Yeah. We use a free version of like the. Dave Ramsey one. >> Okay, well, that's the thing is because. it doesn't automatically connect things. It requires your manual [ __ ] so it's. just so Anyway. So, like I don't want to. do that. I mean, okay, listen, you guys. get DollarWise for free forever now. So, just use that. It's automatic. connection, so that's good. But, um. okay, so you use that, and then what? Which requires manual entry for. everything, which is horrendous, but.

please. I mean, it's just a way to. >> That's just hard to track. I know, but. that's requires you to go through it on. a daily basis. Do you? No. So, do you. actually track correctly? Probably. I. mean, yes, we do. I mean. >> Okay, so when she brings up the. financial topics, what what actually. happens? >> [laughter]. >> I. tend to walk away because I am not good. >> away from it. >> no, no, no, no, no, no. Listen, I'm not. good with. money. Okay, so Wasn't that what the. conversation's for? Yes.

But, it scares me. Okay, hold on. Yeah, but husband wife, we don't get to walk. away from. hard topics, do we? No. No, no, no, no. No, we don't. >> I just get scared. I get nervous. Scared. Okay, we have What about your. entire future and Are you guys going to. have more kids? We want more kids, yeah. Yeah, how are we going to do that? You. can't just walk away from the future. then. That's cowardice. Yeah. It's hard to Well, how do you feel. when this happens? When you just see him. turn around? I mean, I'm [clears throat]. It infuriates me cuz it's just like.

>> Yes. So, what do you do? Let me ask you something. How long have. you been planning to deal with your. debt? 6 months? A year? 2 years? Every. time you make a payment, you say, "I'll. figure this out next month." But, you're. just waiting for the perfect time, the. perfect paycheck, the perfect plan to. magically appear. Meanwhile, that. interest is stacking up, late fees are. hitting, and that balance, it is not. shrinking, it's growing. You're not. treading water, you're sinking. And the. longer you wait, the deeper you go. Every month, every fee, and every point. of interest is working against you. The. math doesn't care about your intentions,

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doesn't have the best track record when. it comes to private data. That's why I. like Dollar wise. Built by these people. just like you, for people just like you. No private equity, no gimmicks, just the. best budgeting app there is. Download it. now, start the free trial. dollarwise.com. [music]. Link in the description below. What usually happens? I'm trying to get. the dynamic in this household. I mean, it it's I feel like it's gotten easier, but I I really. >> you mean easier? Easier [laughter].

because you just accepted it? Well, we're I think we're making better. decisions because like. >> No, we're we're trying to buy a house. now, so Can you guys. Wait, on this income? Can you guys buy a. house. >> not Okay, so that's not. >> of. >> No, no, no, that's not everything. Okay, what's everything? I'm 80% disabled, right? So, I was in the Navy. >> Yeah. Wow, in the Navy. Yeah, I'm a. Muslim guy in the Navy. Muslim Arab guy. in the Navy. >> Why bringing up the Muslims? I don't. care about Muslims, sir. >> [laughter]. >> Well, you kept bringing it up, so I.

thought I would No, based on what she. said. I love people that are Muslim. I. have had people that work here. I've had. friends that are Muslim. I love I don't. really care. I just. No, to be very clear, all the things I. talked about was because she said it was. a feminist religion when it just that. goes against everything. That's. specifically, yeah. Yeah. And that. you're. literally, so I had to Well, I mean, yeah, cuz people are dying, but. no, absolutely. I don't give a Why would. I care that you're in the ne-. Okay. All right. I like your religion. just as much as I like Judaism, as much.

as I like Christianity, as much as I. like. >> not a lot. I get it. >> No, I like religions when people do it. peacefully and well. I don't like it. when people shove it down our throat and. then like beat women in the streets. I. do not throw gays off roofs. I do not. either. Good. Just I'm going to just. Well, that's good. This is the last. time, okay? Just so you understand the. whole dynamic when we were seeing each. other. Her mom actually thought I was. going to beat her. She's like, "Oh, honey, don't marry him. He's going to. beat you." Have I ever hit you? No. >> Have I ever touched you? No. Touched? Touched her? >> In a.

Touched her, man? No. He might in a. aggressive way. >> You know what I mean. Well, unless. consented. But. >> [laughter]. >> Okay, so your 80% disability, what does that come down to? 2,500. >> What happened? What happened? What. >> I have to always ask now because we've. had so many people that have gotten. disabled outside of the military that. end up getting disability from the. military. What happened? Yes. >> Why are you disabled? Insomnia. And my. neck. >> come from the military, though? Yes. Insomnia? Insomnia. How how how An.

anxiety disorder and depression, yeah. Gosh, but everyone has those already. anyway. I mean, exhibit A. Yeah. >> Right? And exhibit B, for what it's. worth. And I certainly didn't serve on a. f-. But. I mean, I'd sink the ship. And damn, thank god you didn't. You. weren't on it. That's what I'm saying. That was a really old ship. But listen, but how how can you track. insomnia to that? The VA has its ways. Okay, so you're an extra 2,800 comes in, but how the [ __ ] are we having a. conversation about First of all, houses. in San Diego, what is that? Like a. minimum 800, 900,000 hours? But not only.

that, how the [ __ ] are we doing that. when we're 50,000 hours in debt today, plus many more thousands of dollars in. the more debt, and she doesn't make dick. of income. Also, it's a 7-year-old. You. made it sound like you're taking care of. a 1-year-old, and that's why you can't. work. So it's a [ __ ] 7-year-old. >> he's special needs. He has Golden Heart Syndrome. Huh? Golden Heart Syndrome. Heart? Golden. Harr. Harr, tell me. What I I do not. know this one. >> So essentially, it's a congenital birth. defect disease. So. the best way to explain it in layman's. terms is.

parts of his body are either in the. wrong spot, or they're. um Where's his arm? No, no, no, no. Like. internally. Okay, where's his heart? His. heart is where it's supposed to be, but. like for instance, he has a right pelvic. kidney. And usually your kidneys aren't. towards the back. >> Okay. So how does this affect him, though? Um I mean, we just recently went. through like spinal surgery. >> He's had five surgeries. >> five surgeries. >> Wait, what does this prevent you from. working, though? I do get the surgery. thing, but. >> No, it doesn't, because I was a single. mom before I married him.

>> you guys have been married for a while, seeing each other for a while. Why why. are you working 30 hours a week now? That just happened recently. That was. >> What what was happening? Um I was. working 40 hours. I started. school to be a Oh, that's right. So what. are you doing in school? Marriage and. family therapy. Do they good money there? And of what. values will you be teaching those. marriage. values? >> I I mean, I'm not teaching any values, In therapy. No, a therapist has their.

own values. Yes, you have to tell them. what your values are. >> So right now it's seven it's 1,700, but. usually it's around um Okay, can May I. just ask? May I just ask? If they if if a man and a woman comes. in, and a man has hit his wife because. she spoke up to him, what will you say. in therapy? That. >> Dang, that's an interesting scenario. I mean. >> Certainly it is. >> Yeah, no. I mean, I would definitely. make sure she's safe and provide her.

resources and. and whatnot. No, that's not a good. situation to be in, but if the client is. saying that she wants to make it work, my job is just to help them work that. through. My job My The client is a. relationship. Okay, so what price of. homes are we looking at today? Between. I think 650 and 750 is like kind of the. range of what we've been looking at. We were pre-approved for more, but. that's kind of where we.

Yeah, they'll pre-approve you for. something way beyond what's acceptable. and that you'll never be able to afford. >> approved me. I said, "Oh, yeah, now. I can buy a bunch of statues." Uh-huh. So, what are you doing with them? They're just in storage units. What are. you doing? That's for posterity when I. have the house. I'll have a statue room. >> your house? No, no, no, no, no, no, no, no, no, no, no. >> no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no. >> So, what are you going to do in a statue. room? I just going to show my. friends. It's It's. It's all It's all my childhood stuff. I.

want them there. >> Your childhood stuff? >> Yeah. Well, some of us don't have rooms. for our childhood stuff in adulthood, especially if a the entire household. then puts your childhood room above your. kid and [snorts and clears throat]. future kids. >> No, no, no. We'll have rooms for them. No, no, no, no, no, no, no, no, but the. finances objectively are prioritizing. statues over the kids. I mean, I. honestly think it's too soon for a. house. You guys disagree about the. house. So, what are the conversations. here? Are you walking away from those, too? Which by the way, I've not gotten the. answer I wanted to. But, go ahead.

>> No, no, cuz that that a house is that's. future. That's right. That's family. I. mean, yeah. >> But, I I genuinely don't think we're. ready for a house. Mhm. It makes me nervous. It makes me. nervous, too. Lots of things that are. worth it in life make you nervous. >> but that's the same thing with the car, too. I wanted you in a safe, reliable car that's not going to break. down on you like the other one did.

What? Isn't that good? >> yes, it is, but. >> Okay, that's way better than statues, okay? But but the a house and a. a. a reliable car is a. >> things because of your statues. Mhm. Okay. I'm so confused. Guys, okay, so she sits. down, tries to make a budget, and you. just walk away. How the [ __ ] can you. possibly have a house if you can't sit.

down and have a conversation with your. wife about budget? >> And. then what? I'm asking how these. conversations go. She says you walk. away. You're So now you're saying you. come back. What is this What actually. happens? I need a little insight into. how the finances are conversed, how. things are managed in this house. I need. something, please. I mean, we just make. sure that our our minimum. minimum debts are paid, and then we have. enough for rent, utilities, gro-. groceries. >> I mean, between us, that's what we talk about.

We talk about those things. >> he walks away. He comes back. And then? And then we talk about it. >> How? We Are we at loggerheads? Do we. disagree? What is happening? What's the. dynamic? We disagree sometimes, but we. >> What are we disagreeing on? Well, like. food and What are we disagreeing about. on food? >> eating out. Hey, who's having what. perspective? I think we eat out a lot. I. don't. Well, I don't. >> Yes, you're the one eating out. No.

>> [snorts]. >> We eat out together most of the time, but usually when I go to work, I got to. go straight to class. And then I'm the one who picks up and. drops off my son. So, I sometimes it's. convenient to go and pick something At. least I don't DoorDash it. Caleb. Yeah, [laughter] but you're the eater of. it. So is he. I mean, that's not when you're at work. or school. That's maybe for dinner.

>> because you don't know how to say no to. me. I get these crazy You do seem like a. [ __ ] a little. Yeah. If you're walking. away from the tough conversations, I. know you say you come back, but she's. saying you can't say no. Are you a. pushover in this relationship? Are we. doing like Muslim reverse? >> [laughter]. >> I mean, I think he just needs to hear it. from you, Caleb. I You're what? I don't. know I'm still trying to determine. what's even going on. I. think that he doesn't fully grasp. our financial situation. He thinks that.

we are able to, you know, do these. things like buy a house, buy a new car, and. >> so I all these things, and I want to. make sure you're I. good. I mean, that's why I got you that. phone. But I I didn't need to get that type of. phone. Like I'm grateful for it. Don't get me. wrong, but like literally I I had to go. to the doctors recently because of all. this stress.

What? What what? I my body just freaks. out. Like I get itchy, I um get muscle. spasms. Like I'm chronically stressed. Lose weight. I'm trying to. Okay, look. As a woman, Oh, Oh, here we. go. >> it comes to stress, >> women when they're talking about their. issues. >> Oh, I will. What as. Some Okay, fine. Some individuals, they.

have a hard time losing weight when they. are stressed. Eat less calories THAN YOU. BURN. YOU GO OUT TO EAT EVERY 5 SECONDS. of your life. I've been doing a lot better. Oh, because I'm a woman, I have to stop for. my food on the way home. Yo, what are. you talking about? What the what the. That's not a woman thing. Listen, if. you're pregnant or if you just had THE. KID 7 YEARS AGO. Eat less calories than. you consume. You're not going through. menopause.

Are you a 29? That'd be weird. >> No. Okay, what are you. you're talking about? >> I just have other diagnoses that affect. my weight and my hormone fluctuation. >> And what are those official diagnoses. now from TikTok? >> Premenstrual dysphoric disorder. Uh-huh. Um unspecified generalized anxiety. >> Unspecified. Okay. And the [ __ ] it's. like anxiety, YOU I HAVE A PANIC. DISORDER. That is not why I'm an obese. individual. IT'S CUZ I EAT more calories. than I burn. It is a simple math. There is a very few specific things that.

will [ __ ] some people. Doesn't sound. like you got them. Uh I mean, it's a lot. of it's. >> Girl. Yeah, eat. Because I'm stressed. Yeah, eat. You can't control yourself. Come on. Neither can I. My doctor My. doctor has told me that I need to. >> Your doctor has enabled you. Eat. frequently, healthy, in less amounts. Yes. That can still be a thing. It is. still a caloric intake versus output. It. is still the math in the end, regardless. of your.

um the time you're eating. It's still. the quantity of calories. Come on, dude. It's pretty basic [ __ ] I'm not saying. it's like specifically like Look at me. I'm not perfect in this. I'm with you. here, but I know what it is. And here's. the reality with a lot of the disorders. that you likely have and with all the. anxiety, with the work, with the energy, everything magically becomes better. when you're no longer fat. It's weird. how that works. I I believe that, but to be fair to be. fair, I mean.

Okay, I weigh 145 lb. >> Yeah, you got a good metabolism. Exactly. So, I could I eat just as much. as she does. I eat probably even more. >> She doesn't, dude. >> some people Some people have better. metabolisms. Most people have like your. metabolism. That's us. Welcome to. America. We're obese. You just got to consume less calories. than you spend. >> think it's a calorie intake thing. >> Okay. Okay. >> No, I genuinely don't. >> save a lot of money if you Okay. Yes, you would save a lot of money, but also. like what the [ __ ] are you talking. about?

>> so What the [ __ ] would Of course it's. calories. What are you on about? It's. not. What? That's not possible. That is. like actually not possible. That's a fat. cope. Fat cope. >> No, it's trauma. Your body holds onto. trauma and then. WHAT ARE YOU TALKING ABOUT? >> OH! OH, SHE LIVES ON TIKTOK. You married. a You married [laughter] TikTok. >> That's actually true. >> No. Where are you? What social media are. you on? >> I'm not. I'm not.

>> [laughter]. >> She's on her phone all even in bed. Just. Yeah, shut the [ __ ] up. You're on. something, dude. >> What? That's not possible, first of all. Just everyone is. And he lives with you, and he sees it. So, shut up. >> He He forgets everything. He doesn't. even know what he's talking about half. the time. [laughter]. Okay, in this dynamic it is a bit weird. cuz I. >> insomnia is not. Sorry, go ahead. I have a note from. Colton. that.

Oh, insomnia. That shit's real, man. It is. [clears throat]. That's scary. I feel so bad for you. That's absolutely horrendous. I am so. sorry you deal with that. That is like. one of the worst things out there. I'm. just. Woo! Oh, I don't want to live with that. So, but she said in her pre-interview that. he needs to hear financial advice from a. man because he won't listen to a woman. is what she's told Colton. Did you say. that happened? No, I said you are more. open to advice when it comes from your.

male friends. So, I thought I kind of in. my head was like maybe Caleb That. doesn't mean a man. My friends who are. male have been around. You don't have. female friends. Well, exactly. So, they're all men. Yeah. You want him to. have female friends? No. See? The only female friends he has are. friend They're my friends. Like we hang. out in groups, like couples and stuff.

like that. >> Colton you overthink. You told Colton. he's reckless. You also said talking to. him about money is like talking to a. brick wall. Is it? I'm a brick wall to you? When it comes to finances, yes. We eventually get there. You just got to. break the wall down. >> Yeah, but I do that on day. like day-to-day with the individuals I. work with. I don't I don't want to do. that at home. Mhm. Like. I mean the common factor is you guys are.

all veterans, but I don't I don't I I. deal with their stress because they're. dealing with homelessness. I don't want. to deal with that at home. I have to. deal with their PTSD, their anxiety, their depression, all of that. She's talking about her job. Yeah. I. >> I got that. So. It's not an excuse for eating. I don't. think so. Again, I feel like I'm not actually. getting the insight and that's actually. kind of what's upsetting to me in this. conversation about what the financial. conversations are like. I'm getting so.

much just different information. Especially from you guys, your. pre-interview versus right now versus. you walking away versus coming back. versus he just won't listen to me versus. what the Who's running the So, you're. running the finances? Yeah. Okay, why. aren't you involved? [ __ ]. I am involved. Just not to the degree. that you think I should be. >> Well, I think you're. >> I want to be. You want to be. So, why. not do it? I don't understand the thing. of wanting but not doing. Do.

Do if want. Okay. Yoda's advice. Try. Do. Do not. >> We understood. Okay. I thought it was. funny, but God, if you want to, why are. you not doing it? Actually. It's still. scary because I know I have a habit of. when I get into something, I start. spending. Okay. >> If you see the numbers, you'll start. spending? >> No, no, no.

Like if he has like available income, he. will start spending on things he likes. >> Okay, so if we do not Do you not spend. regardless? No, no, no. So, let's say we. She budgets, right? She does it and I'm. I'm there with her and then she's like, "Oh, look, we have some extra money.". I sometimes take that like, "Oh, we can. go spend this money out." Like we don't. have much of a savings right now. And. so, yes, talking about finances is kind. of scary, okay? It's real stuff. That's. all I'm That's all I'm saying. And And.

then. it's like it's like with the with the. house, right? We pay 2,500 in rent, right? 2,500. No, it's 2,250. 2250. Certainly not getting a cheaper. No, I know. That was before I got my 80%. and then once I got my 80%, I was like, "Oh, now we can afford. >> guys are like basic middle class maybe a. little in San Diego? It's a little. brutally expensive city. Now, household. income right now with your 80%. When did. you get your 80%? Uh Oc-.

October, November. Okay. How many guys. are at 9,700 net on a monthly basis now? And well, San Diego is still just an. absolute brutal city. They don't build. things. They don't permit things. It's a. complete failure of a things that are. bringing down cost of living. >> Yeah, she gets some I get. [clears throat] Ah, yes, from the penis. How much? 484. Yeah, okay. Well, that's something. What does he do? What's that? Make much? And then the SS. what? Uh, he was he was unemployed when. they they did that and I did it ever. >> Seems to be the case every single time.

And there was something else? My son. gets a dis uh social security. How much? He gets uh 915 a month. >> Hm. Okay, well, these are helping. Still, uh. You know, mortgage payment that you guys. can afford is maybe like 3,000 bucks. How the [ __ ] are you getting that? That's all we can afford. >> 3,000, 3,500 starting to stretch it. about 45. Well, no, no, right. 5,000. That's why I don't. >> Five? Yeah, we were paying 2250 2500. about for rent utilities and all that.

And then now I got the 80% That was. before the 80%. >> is the rent. And then electricity is. like 120. Like there's there other. things. You just don't see like This is. an insane amount of paperwork. Like in. what way is a house a thing? Well, she's. against the house. So, what are the. conversations like when it comes to. actually getting the house? I mean, I I. go with him to go see the houses. I like. the houses, but then. >> fun to go view, but you're against the. purchase, right? Yeah. So, what happens. in those conversations? Cuz this is the. one thing he's actually trying to do. financially.

>> out and I shut down. Is that what you. both do? That seems to be what you both. do. You shut down. We need time to process. and then we come back and have the. conversation. >> Conversation, yeah. And then what. happens? >> And then. >> take action, Kev. Well, but you guys. disagree. So, if you guys disagree, you come back, then what happens in that conversation? They can't answer this question. >> I it's cold feet. That's what I tell. her. I'm like, "Okay, >> do you What do you say? I say that I. don't think it's cold feet and that. you're not you know, it's And then what.

happens? >> reality. And then what happens? You say. you have cold feet, she says I don't, then what? Then we say. I mean, I ask her. I say, "Are Are we. still okay?". And you You say, "Yeah, it's fine.". Yeah, but on the topic of the house, guy. >> That's what I'm saying, on the house. But. >> okay? If she says yes, you're okay? I. mean, the house? >> I feel like it's part of me that like. like fawns into it. Like I. She keep what. >> rolling out fawn language? Oh my. goodness, are you sure you're not Tik.

Tok diagnosed? Dude, what are you talking about Oh my. You're broken. >> language? Like people pleasing and like. >> Oh my god, I hate you. Such a just baby. Nothing is just on you. No. >> It all has to be these micro diagnoses. Stop. Look out your for yourself. Be an adult. So what? You give them that okay to get. a house? She goes back and forth. So. it's like one day she'll be like, "Uh I. don't. >> We're at We're going to get a house.

Right? Yeah. Baby. >> What? Bro. Yes, Caleb, we're going to get a. house. >> See? Right, baby. We're. >> your percentage on that? 100% being I. want to buy a house, 0% I don't. I mean, like 80%. >> What? You do not seem that high. Are you. afraid of the striking? What's. happening? You do not seem that high. Because I understand the value of like. what a house is. It's an asset. >> Okay, guys, so what are we doing? San. Diego, California, three bed, two bath,

three bed, three bath, 1,686 square feet, probably on the. complete edge of civilization, 680,000. Would we okay with that? And it doesn't. look great. Yeah, but it's it's doable. It has a. really nice backyard. And it's it's. lower than this one. So you guys know. this house? Yeah, we visited this house. You like that? You want to get that? >> It's It's on the on the list. >> This one's absolutely gorgeous on the. outside. Love that little Spanish style. Uh three bed, two bath, 1,441 square. feet, 739. Must Must be a little closer.

to town. Yeah. >> Yeah. >> [laughter]. >> How far away is this from San Diego? That's kind of [ __ ] stupid, I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money, we like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can.

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many red alerts screaming at them about. what they did wrong. So, of course they. stopped opening [music] it. Not because. they don't care, but because it makes. them feel worse. And here's what nobody. talks about. The stress isn't coming. from your spending, it's coming from. having zero clarity in using tools that. turn money into a failing grade. If you. ever thought, [music]. "I just want to know where my money's. going without being judged for it.". You're not alone. That's exactly [music]. why we built Dollarwise. If you want a. calmer and clearer way to [music] see.

where your money is going, try. Dollarwise. Download the app today and. get a 3-day free trial. No setup. nightmare, no manual tracking, no. pressure to be perfect. Just connect. your accounts, see where your money's. actually going, and decide if it works. for you. Click below to download. Dollarwise and see if this helps you. feel more in control without the stress. And if it's not a fit, cancel anytime. I. mean, it's in San Diego, but Yeah, but. from San Diego. So, it goes from like um. these are. >> The this one. >> Well, it depends. Are you talking about.

like going towards like downtown? >> Yes, the city. Uh maybe like 20 minutes. >> yeah, it's 20 minutes, yeah. But, we're looking at it mostly for our. work, right? We want to find one that's. close to. >> far is that to work? This one 25. minutes, I would say. >> exactly which one is which, but we have. like a limit of like it can't be more. than 20 minutes. >> is where I want to live. Uh-huh. I don't. blame you. La Jolla is really nice. Uh. okay, 735,000. >> but we can't afford [laughter] it. So. Well, I can't either. Four bed, two. bath, 1,400 square feet.

Oh, that one's my favorite. Really? Yeah. Okay. This one's honestly shitty. Please don't. get this. It got a price cut for a. reason. 675, two bed, two bath, 858. square feet. That's a piece of [ __ ]. inside. That looks horrible. Do not even. consider that. I won't even allow you. What? Why? Why do What's so bad about. this one? >> It's going to be hard to resell. Look at. the price drops. I mean, it's just look. at the tile inside. It's micro dick. size. It's not very good. So, this. that's a hard resell. This is a hard. resell, too. It's a two bed, one bath, 988 square feet, 749,000.

Huh. But, the orange door The orange. door is cute. >> Okay, yeah, paint your next door orange. Listen, I'm being told you put in. multiple offers recently, but you got. denied. Yeah, it's it's true. >> For this one. Well, I mean, it's it's. becoming a uh. It's like a bidding war. It's It's a. bunch of bidding wars out there. >> Oh my gosh. Okay. So Are you guys. combined on finances? We We do have a. joint account. But, are you combined on. finances other than just that joint.

account? >> that mean, combined? Oh. You guys run. everything out of. >> combined finances? Is everything. integrated? Or do we have separate. accounts? What are we doing? >> Separate accounts and rent and. like rent. >> bills go through the joint account. >> told that's why you're stressed about. him hiding debt. Yes, that's exactly. why. >> accounts. So, what's your fear with him. hiding debt? Because I don't know what. he's actually spending on. Um Well, and you don't want her to? No, I just think.

cuz she she she told me a joint account. is going to be good cuz we can all track. each other's expenditures. I can track. hers and she can track mine, but. >> keep each other accountable, you Yeah, but I Or just to know like what's going. on. the budget, but but I I wanted I. didn't want to combine that with all the. debt that I'm paying now. >> Hold on, are you guys I'm married or. you're not a partnership forever? Through life, through all of the. 42 versions and all, don't you get to. share them? Like, yeah, we're Yeah, we're together, but I don't want to.

it feels like I'm passing. like a burden on. I don't want to share. an account with my debt. It's my debt, right? I see it as it's my responsibility to. pay it, so I don't want to share an. account. Well, how do you view it? >> I feel like he's hiding it. Like I think. he's embarrassed. I. >> Are you? No. I'm. There's. >> Because I'm not hiding anything. I. Then then show me. Then you you haven't.

shown me, so I feel like you're hiding. it because you haven't shown me. >> asked to see and you don't, that is kind. of hiding. I mean, I don't think you've. ever asked to see, like, can I see your. bank statements right now? >> I look at your I ask to see your account. all the time. Really? Yes. Okay. Okay, I'll show you next time. What the. [ __ ] That's so weird. That is weird. I. don't I Why don't you do it? She asked. multiple times. >> I didn't hear it that way. >> Bro, how did you possibly hear, "Can I. see your bank account?".

How else do you hear that? Those words? Maybe not those exact words, but. >> See? I I say. do you know, like, what's going on with. the account? Like, do we have enough. money for this? >> And then he hears, "Oh, that's 50% of. the value in money.". I I mean, I just like I feel that. like we don't go item by item. Like. >> a lot of work.

>> What it is a lot of work. It's supposed. to be, especially at first to get it all. under control under one roof. What the. It's a lot of work. Do you not put a lot. of work into things that are important? You have to. You have to put a lot of. work into the marriage, a lot of work. into your job, a lot of work into a. degree, a lot of work into the house, a. lot of work into finances. That's how. things work. You have to put a lot of. work into those ships. Right? I assume. I don't know. You're. doing something. I don't know if you're. bottoming in the showers or what, but. I don't know what they do in the Navy. >> [laughter].

>> Gross? Told you they're homophobic. Wait, what did you say that What did you. bottom feeder? What What did you say? Should gays get married? If they choose. to. That's what they Do you support them. getting married? Here in this country, yeah. What? Every country does things differently. I'm not going to go to the You don't. advocate for them to be able to get. married everywhere? Should I? For. freedom? I should advocate for them to get. married everywhere? You don't. You. don't. You do or you don't? I don't I.

don't advocate for them to get married. everywhere. Like you're saying right. now? Like do I do it? Do I actively do. it? Are you down with making sure every. country allows two gay guys and or women. to marry each other? I don't know. It's a good question. You'd have to ask me specifically. Well, I'm asking you. Sure. I mean, it's not my job to judge. And it's. something that if they choose to do so. Coward's answers. Coward's answers. I'm. just saying, Caleb, it's not what I do.

with my life is different from other. people's. You don't stand up for people. That's not true. Well, I'm asking you to. stand up or stand down. I mean, you stand up or stand down? Some people. don't even want to get married. If a gay. person wants to get married in Pakistan, do you think they should be forced to. allow it? Forced? Yeah, forced. Yeah, sure, why not? Freedom is Okay. Well, not freedom of state, freedom of. people. Yeah.

People should be able to do. >> would recommend to just get married. somewhere else. I should say something by the way. All right, what do you guys think your. financial household score is? Zero being. the absolute worst, absolute best. Two. Two. Hey, if you want your hammer. financial score, take the assessment. It. is free at Calebhammer.com. Just takes a. few minutes and you get to see where you. stand in the world of money, where. you're doing great, where you're doing. poorly, what you need to do to improve. your life. And if you don't want to be. like guests on this show, remember when. they were doing that manual [ __ ] with. every dollar, download the Dollar Wise. Budgeting app at dollarwise.com or just.

download it in the app store. Take the. free trial and see if you like it. And. then most people do and most people. usually stick around it. If you want to. stick around for 50% off, most people. take the annual version. And you will. get my budget meal plan. It splits out. every single day in a detailed meal. plan, how to make food and everything. I. will sign that and mail it directly to. you. Check that out at dollarwise.com. Link's in the description below. Let's get into these numbers. Alrighty, my friends. Who has.

Navy. Federal Credit Union insane balance on a. credit card? Who possibly has that? W- We both do. Who has $23,592? That's that's mine. You're saying IT'S. ALL HIS FAULT? What are YOU TALKING. ABOUT? THAT'S HORRENDOUS! IT'S THAT'S. HORRENDOUS! >> IT'S my only credit card that has a. balance. >> And it's horrendous! Well, t-. One of the What? It's horrible! What are. you talking about? It's justifiable.

HOW? IN WHAT possible potential way? HOW. IS THAT POSSIBLE? I I. um. How Dude, how long do you think this. think this takes to pay off minimum. monthly payments? If you do not purchase anything, which I. know you're incapable of cuz you just. purchased 260 bucks. But how long do you think it takes to. pay off? No purchases, minimum monthly. payments only. Maybe like 40 years. No, 33 years. 33 [ __ ] years. You're going to be in retirement. If I. can retire. >> [laughter].

>> No, probably not cuz you're just. purchasing. Interest is accruing. $215. is just hitting the card in interest. while you're purchasing $260. Basically maxed out. Yeah, it. essentially is. Bro, this is absolute insanity. What do you think of this seeing this. balance? This is disgusting. Did you. know about this? I knew it was high. Yeah. Did you know it was that high? That's horrible. >> But you know, I'm not worried about you. hiding what you're spending it on cuz I.

actually don't know how it got this. high. How did it get this high? What the [ __ ]. is wrong with you? I was So, before I. moved to to California, um When was that? Like a few years ago. Like Like a year a year before we met. >> So, years ago, go ahead and tell me why. this is at $24,000 today. I was homeless. for a few months. My mom is kind of. homeless. First few months and So, years ago, tell. me why it's at $24,000 maxed out with.

SPENDING ON IT TODAY. MY facials and skin care. Okay, Frogan. Listen. Frogan. >> But I mean, other there other things. too. Like during when he was unemployed, I I helped him out. We used some credit. cards That's true. Were you unemployed? After I graduated. So, I graduated. December 2023. Why is IT MAXED OUT. TODAY, [ __ ]. WHAT THE. I WAS paying for rent. I can't pay.

I can't. >> not today though. ON A CREDIT CARD, are. you? No, not on the credit. >> the Why WOULD IT BE MAXED OUT? IT MAKES. NO SENSE. BRO, what's uh. >> I I consolidated everything on the card. Vailed vailed? It's my clothes. Muslim clothes? Yeah. Yeah, I've never heard of it. Yeah, actually it's pretty shocking. So, sometimes I'll walk up and she doesn't. tell me by the way. I'll walk up to the. house and there'll be packages there. Of. hijabs? Of all sorts of stuff, dresses.

and everything. Hijabs too. And then I, you know, I'm. like, "Hey, baby, what is this?". "Yeah, I ordered this again. I Is it. okay? It's already here." I mean, you. can return it. Return it? >> Yeah, if I don't. >> No, I'm saying return it. >> What? You I thought you just said I can. return it. I meant like I can like. >> Did you just spend up to $400 a month on. skin care? What is wrong with you? Caleb, it was a It's not you literally.

just look your age. >> No, it's. >> This isn't even doing anything. No, it's. it's I had like breakout. Like I was. like full on acne. >> you're morbidly obese. No, it's. >> You eat horrendous food. >> It has nothing to do with my diet. What? It Listen, here's the thing. I I'm. going to be May I have permission to be. sexism for a second? Okay. >> Hey, this is a Western secular nation. You can't be sexist here. What? I can be. sexist just not based on religion.

>> [laughter]. >> Go ahead. >> I'm sexist based on myself. Don't take. away his first amendment right. >> [laughter]. >> Yeah, we like Western values here. We. can say things. Listen, here's the. thing. Every single morbidly obese man on this. show. I just tell them and they're like, "Yeah, I'm a fat [ __ ] cuz I eat too. much.". And then every time I talk about a. woman's weight, she's like, "No, it's. not my diet. It's my. all this [ __ ] It's my stress. It's my. trauma." IT'S LIKE, "WHY IS it only. women that like they mathematically the.

caloric thing and what they're eating. doesn't lead to their skin? For women. Every man will just accept it. Like me, myself and I. I know I'm a fat [ __ ]. because I eat. I know why I break out in. zits because I'm [ __ ] eating [ __ ]. McDonald's. You, it's just nothing is your fault. Why? Why? And why is it every fat woman. on the show? The fat men just own it. They're disgusting, they're fat, they're. nasty. Like myself, I own it. I. I PROBABLY GOT SOME [ __ ] SWEAT. UNDERNEATH MY STOMACH roll in between my. dick flap. I don't know.

Whatever's going on down there. We can. hardly see it these days, am I right? Well, you can't see yours anyway cuz it. doesn't exist. Yeah, well, not that, no. But listen, [laughter]. why can't you just accept it? Why do. What is happening in the women brain. right now? It's not anti-women, but to. be clear, every single woman that on. this show that is morbidly obese, it is. becoming a trend like the disability. thing. But they just. The women cannot. acknowledge that it's calories. And. eating. I mean, it is. Yes, calories are important, but I.

genuinely don't have the time to like go. to the gym or do anything to take care. of myself. >> Okay, yeah, but time Time doesn't. indicate you have to eat fast food. though. It really doesn't. You can be. meal prepping quick food. Again, we're. going to get you our meal prep, okay? And our cookbook and all that stuff. So, I'm not saying you have time to go to. the gym, which by the way, yes, you can. fit in a 20-minute cardio workout a. couple times a week. Absolutely, you. can, by the way. Just at home or. something. Just jump rope. But even. still, just diet. You can't out work You. can't work out outwork out a bad diet.

No, that's true. That's true. >> So, it doesn't even matter with that. You're just eating like [ __ ] and you're. breaking out like [ __ ] You're eating. like [ __ ]. >> I'm not eating anymore. >> anymore. And now you spend $400 on skin. care when we can't afford to [ __ ]. live. It's important to me. I'm not. saying it's not, but I don't think you. need to be at 400. I mean, it it did the. job. I I can show you a photo of like. before and after, just to. >> Okay, are the fries in the background? No. There's no french fries. Actually,

that's part of the skin care routine, not to eat certain foods. Woah, that's crazy. Almost like that's probably the primary. issue. It's not. [laughter]. Hundreds of inches. Okay, so does that. mean this is yours at 15,527? So almost as bad. What the [ __ ] is wrong. with you? I I. Right? Is this Is that true? Yes, that's. true. >> I feel like it was a little racist to.

name you Muhammad. Who did that? Oh, you did. You're racist. >> [laughter]. >> Well, it was between that or McLovin, so. And you landed on McLovin? Yeah, it. was between that and Muhammad. Well, I mean, that works. Okay, listen. Okay, so what's going on. with your Navy Federal? Um that's. All right, listen. I'm just going to cut. to the chase with you, Caleb. All of my. uh. all of that debt.

is. from statues and collectibles and and So. additional collectibles and things. and. a couple other things. Shoes and. watches. I'm not even wearing Oh wait, yes you are. I'm wearing a watch. >> What is it? This is a Hamilton Khaki. Field. >> What is that? I thought it was like from. Amazon. How How much is a good brand? How much. is it? This one was my most inexpensive. one. This one was I think 200 or 300. dollars. I have one that's 4,000, so. Oh, that's why her family thought you. were gay. Mhm.

Mhm. That's interesting information. What? Can't take it back now. >> It's because you're so well dressed. A man can't be well dressed? >> I didn't say it, my family did. Stone. him. >> [laughter]. >> Wow. No. Well, you have more sho- you had. more shoes than her, so. They're really. nice shoes. Guys, all right? >> thought you have more. Like I bought him. a whole like shoe organizer so that he.

could put all of his shoes in the. closet. >> awesome. Thank you for that. No, I'm. pro. I'm pro. >> Look good, dude. I'm pro. But it's just. like Look, it's. >> Maybe you just got a homophobic family. Look, if I Look, they're from the. Midwest, so I don't know. I don't know what that means. I'm just. saying like it could be, you know, the. people. >> is. Chicago. The Midwest is Iowa. I don't. That means nothing. >> hear it this way, okay? Okay, I'm. listening. The watches. >> Yeah, this is $15,000 of watches, shoes, and statues?

Hear it that way, [ __ ] 29 years to. pay off your watches, shoes, and. statues, [ __ ] I $232.06. a month in interest is being accrued on. watches, statues, figurines, shoes, [ __ ]. Huh. Curious. I never looked at it that. way. I don't know why I brought you. here. $385.06. a month in minimum monthly payments for. 29 years on not any future statues or. shoes, but the ones you already got in.

storage. They're all in storage? Even. the shoes and [ __ ]. >> No. No, no, no. Not the shoes. Just all. the statues and collectibles and stuff. But. Yeah, here. Here. Check out my shoes. Yeah. They look like shoes. I mean, I I. don't know. How many do you need? Buddy, $3,000 of interest accrued just in a. year with 18% interest rate. It's not. even As far as credit cards go, it's. below the median in this country at. And yet it's still $3,000. Bang. Oh my god.

>> you guys not follow the debt rule, though? I'm sorry. I know I was kind of. memeing on you earlier, but like. actually question. Like with genuine. curiosity, why do you not follow the. debt rule? Cuz it is an actual rule. >> What's the debt rule? You shouldn't have. debt in Islam. [clears throat] Oh. Yes, well, that's. it's tough. When you want When you want something. What that's like saying the same thing. for any other rule. Like uh let's pull. from the Christian one for a second. It's like oh man, it's just tough not to. murder. So, I guess it's okay. Like. what? Just cuz it's tough means you.

don't have to follow it? >> say I don't have to follow it. I am. sinning right now by doing that. Yes. But uh. >> But you continue actively. Mhm. Lindsay who I'm trying to say here. right now and you're a mediator in the. post show says she's never met a. straight man that wears uh your go-to. shoe brand Allen Edmonds. Huh. Nice. Colton the gay? Colton? You want to leave your fiance? Stop it. >> [laughter].

>> I'm sorry baby. I'm leaving you. He kind of looks like a more bearded. older version of your fiance. They're just both brown. That's all I. got. >> [laughter]. >> I don't know. Uh okay. I feel I'm classified as white. here. It's weird. In this country, yes. I'm I'm Middle. Eastern, North African, European. ancestry, considered white. >> country is your family from? Iraq. Oh. Yeah. They call that white?

It's curious. Okay, USAA. I think this. is a. No, this is another credit card. Why. Who's Who's credit card is an additional. USAA of $7,629? That's mine. What the [ __ ] is going on. here, man? It's statues. More statues? Mhm. More. statues. >> these numbers. You know these numbers so. far? Um most of them, yeah. 26 years for. this one. Well, interest is accruing. like crazy. What's the most expensive statue you've. purchased? $4,000. $1,000? Are you.

serious? >> Predator one. It's 1/3 scale. It's 3 ft. tall. It's looks incredible. >> tall? I thought it was like human. height. That'd would be cool. No, it's. 1/3 scale. What's the point then, dude? Bro, okay. So, she told Colton that she wants you. to write a will. Yeah, I don't Uh which. sounds insane to Colton. I don't know. what's going on with that, but. apparently that's a topic. Yeah, no. I I. don't know. >> She wants to off me. I do not want to. off you. I just want you to have a will. Well, as a married couple, you should. probably have a will.

All right? It's not like he has anything to pass. on. >> Statues? statues Yeah, well, she would have to. essentially settle those. Yeah. For any assets. Well, the car is in your name. Yeah, and the house eventually, so. Well, that's going to be in our name, so. you know, so Well, we have to get an. offer first. Or Even an offer accepted. Yeah. Okay. I mean, another $1,500 in interest. accrued, and that's another 18%. Military star, I'm going to assume this. is you. You have an additional $5,827.

in a credit card? That was for watches. >> Dude, you are just brutal. You're just. endlessly going into credit card debt. for your entire life. Like what the. Like this it's not just hard you're not. doing it, you're just endlessly doing. it. You don't even think. Minimum due. payment on this is 124.45. I didn't get. the previous minimum due payment. On the. last Navy Federal, the minimum due. payment was 195. I mean, these are. stacking up. How can you afford a. mortgage? These are already stacking up. over a thousand. WE'RE OVER A THOUSAND.

ALREADY. WELL, ABOUT 10% OF OUR [ __ ] NET. INCOME. I'm pretty confident with the. payments, and I'm not even close to. finished. Like I said, we we could. afford about $2,500 for rent, and now I. got the 80% 2,500 extra. So, now we I. think we can afford a $5,000. >> You're only going further into debt. How. can you say you're affording if you're. going further into debt? That's not. affording. Your lifestyle is taking you. further into debt. You're not affording. You don't know what you're talking. about. What is afford? Never heard of. the word afford in your life. What are you on about? You can't tell me.

you're affording. [ __ ] you, you're a 14. What do you mean? >> I mean, we have extra money, so and we. didn't have it. >> Why why are you going into debt if you. have extra money? You mean the. disability? You're just going to spend. more. Okay, so this is watches. So now any. future watches, you still owe about. 6,000 bucks on past watches. $124.45. a month on past watches. $66.84. a month in interest accruing on past. watches. I paid no tax on them.

>> Yes, I did not pay. >> on all this? You married into this. I did. >> have to settle this if you want any of. the assets. $888 of interest accrued at a 13.99%. interest rate. The interest rates even. compared to many of unfinancial audit, are actually not the worst, but they're. still horrendous and you're just losing. so much money still, even with those. more favorable interest rates. That's how [ __ ] up.

Uh-huh. And you don't care? >> No, I do care. I just. >> What are you going to do about it? What. have you talked about it? What have What. have you said? >> Well, that's also another disagreement. that we have in terms of how. >> So like I like to use the snowball. um Okay, what do you mean you like to. use the snowball? You were spending on. your credit card. You're not. snowballing. You snowballing. You look. more like a snowball than you actually. enact. Starbucks is bull and a waste of money.

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those links below. Anyways, uh. she prefers the the avalanche method. You aren't doing either. What are we. talking about here? Why why is that How. is that even the conversation? That's. what you guys disagree on? You're not. doing either of them. You're spending on. the credit cards. Mora, what the [ __ ]. are we talking about? Disagreement. between avalanche and snowball. And I. don't even care. They finish at about. the same time anyway. Avalanche a little. quicker, but snowball more consistent. because you see the wins early. But that. doesn't matter. That's not even the. conversation. You guys are just spending. on your cards. You're not doing either.

>> No, no. What are you talking about? I. mean, we're trying to put right now the. extra. towards. >> No, you're not. You're spending on it. You're not snowballing. You're not. avalanching. Mhm. You're not doing either of them. You guys are doing the IED method. Nice. Very nice. >> PA-PA-POW! PA-PA-POW! [laughter]. CAN'T CAN'T STOP ME TODAY. I'M ON a. roll. Nice. Do you Do you know what they call a. Shirley Temple in Iraq? A Shirley Mosque.

Oh. Oh. Took me a while to come up with that. one. We got to We got to reconquer that. one again. We got to. We got to take them out again. That's That's the [ __ ] that's coming out. of that country. Oh. Get back in there, boys. Okay. Okay. So, Navy Federal, we have. something for 18%. I mean, How much is that? >> Looks like a consumer loan, personal.

loan. Yeah, it's. >> What? Who? No, cuz we each have one. >> Oh, okay. Great. Uh 13,122. dollars. I think that one's mine. What. the are you doing? Let me guess. >> That was to consolidate. other credit card debt that I used to. buy statues. What is wrong with you? How. are you okay with this? Why did you. marry into this? Well, how much aware of. this were you? >> I wasn't aware of it until like few. months in our relationship. Oh, our. relationship. Yes, but not marriage. Why.

did you want to marry into this? It's horrible. >> Cuz I love him. >> Yes, I love Oh, yeah, sure. Love each. other. That's great. But figure this [ __ ] out and then get. married. Well, I mean, like I'm I'm just. very optimistic person. I mean, I don't. know. >> for divorces in this country? Even though you guys text for finance. answers, but No, we are. Oh, are you? Yeah. Oh, I just assumed that one. I. didn't look at that one. >> Wait, what is the leading cause of uh. Well, one of the leading causes is. Finance. Finance. Oh, okay. >> Yeah. So, $760 minimum monthly payment. And.

have that on top of what we're trying to. do here? No, you're you're not making. it. It's an 18% interest rate. So, this. must be yours then, the $8,684. >> Yes. What is this for? That was Celeste. That was also to. consolidate. >> And you guys racked them all right back. up again, as usual, then doubling the. debt. You guys did not change your. behavior, which means you do not get to. take out personal loans, open new credit. cards, do a transfer, do bankruptcy, cuz. then you end up right back here again, if not worse.

I'll let you use the mine card. It used. to be the Fizz card. It's a debit card. that builds credit. Only lets you use. what's in your checking account. That's. the way to do it. I'll also get you a course to career. certifications, so you can hopefully. find a better job, get a better income. A lot of people in the audience have. improved their income dramatically with. the course career certification. This is just so stupid. You guys are. just screwing it all up in every way. whatsoever. Okay, another Navy Federal. who has a personal loan of $7,901. I. think that's mine. Oh, no, the last one was for your car,

apparently, I'm being told. Yeah, so I. have a personal loan through Navy. Federal. And that was the previous one. >> Yeah, and then I also have one. I paid off my. >> So, it wasn't Celeste, it wasn't her. consolidation, it was Muhammad's. car. So, I I um Your Your personal loan. for the car of $8,684. for a car that's valued at $6,600. >> Yeah, now, when it was when I took out. that collateral. >> When I took the collateral loan out.

using my car as collateral, I don't give. a [ __ ] about that. It's worth less than. you owe now. What? I don't give a [ __ ] about then. Now! Yeah. I took it out to pay off more. to consolidate credit card debt. >> Of course you did. This is all [ __ ]. stupid. What even is the car? It's a. Honda Accord. Is that what you said? Yeah, it's a Honda. >> know. I didn't. I don't know if I heard it or not. Okay, that means this is your personal loan. for your consolidation. This is such a. mess. Okay, this is $7,901.15.

with a minimum monthly payment of. $862.97. But so [ __ ] stupid. At a 16.35%. interest rate. Like what is this even. doing? What is this even helping? Oy oy oy, what a [ __ ] mess. Love sac. Now the seat place the beanie seats. >> Yeah, it's great. I love my love sac. It's the best couch ever. You look like. a love sac. >> [snorts]. >> Dress like one, too. Okay, so what did.

you get? We got a What is it? Four. seats? Yeah. With one has like a storage. Bean bag. storage? >> It's a couch. >> couch. Okay. It's a transformer couch. We love the transformer couch. >> Okay, $67 a month and you owe a total of. $1,901.99. on this transgender couch. Okay, 19. years to pay this off. That's wonderful. The deferred interest is $1,808. Oh [ __ ]. >> But that's not until November.

>> going to pay it off before that. Yeah, sure. Uh-huh, I believe it. Not Not with. the payments you guys are making. 100. bucks a month is what you're doing. No, you're not. [ __ ] you. You don't have. extra money. Good luck. You're going to. get a more expensive mortgage? Yeah, that's nice and comforting in your brain. to say I'm going to. No, you're not. [ __ ] off. IN NO WAY ARE YOU. I DON'T WANT TO HEAR. IT. We're We're going to. >> to. It's not a [ __ ] option, but you. haven't put in the behavior to do it. You're only putting 100 bucks towards it. a month. Well, that's cuz we prioritize. other things first. >> Well, you guys can't agree on how you.

prioritize. Avalanche snowball. Well, it's it would be 250 a month. before it would hit. So if that's true, you have 8 months to do it. Yeah, well, 240, yeah, okay. Okay, and you better. but you're not. You made 100. You made. 100. You had a late fee on this, so it's. just like. >> [laughter]. >> You're paying it off before it hits. NO, YOU'RE NOT. YOU don't know what pay it. off is. You've never heard of pay it off. in your life. A late fee on this left. sack? Yeah, it was because it was it was.

only a day later, but. >> Do it. Fulfill your destiny. You know what you need to do. Wow. >> [laughter]. >> Fulfill the stereotype. No. No, it it was just one time. It it. will never happen again cuz we're going. to pay it off. It'll be fine. It's fine, Caleb. It's fine. >> It's fine. We're going to be fine. >> interest that has already accrued is. 1,800 bucks. It's going to be like. $3,000 by the time it hits. That's our. priority then. We're going to Yes, it. is, but guess what? You're not paying it.

off anything quicker anyway. It's just. like nothing makes sense. YOU'RE PUTTING. MONEY ON DEBT. I DON'T THINK WHAT DO YOU. WHAT do you mean this is your priority? Your priority is currently spending and. get putting in offers for a house that. is going to quadruple your minimum. payment on living? You priority. You don't. That does not align with anything we. have seen in this conversation. You. can't just say that. You can't just say. that. It's so stupid. We we will do it. Upgrade. Upgrade? I don't know. That's just an upgrade. feature. What is this? That looks like a firm. What are you.

affirming? You didn't even know. No. You didn't. even know a firm exists. Right. Those. look like the comedy shows that we went. You borrowed money for the comedy show? Who are the [ __ ] are you affirming. comedy? It was for your birthday. Yeah, but you're affirming it, [ __ ] I get. overwhelmed with big. large. payments. >> you can't afford it. No. No. No. I No. It's.

Life is short, Caleb. >> Oh, shut. >> the [ __ ] up. >> [gasps]. >> $419.21. with a minimum due payment of 58. The. This is going to take forever to pay. What the [ __ ] are we doing? There must. be more things on here. Oh, there's. multiple StubHubs. >> Yeah. She for [ __ ] sake. Oh, yeah, StubHub, StubHub, Market. What the [ __ ] are we doing? What are we. doing? Etsy. She's Etsy. Oh, that was. for the ring, for his birthday. I returned it, though. Cuz he didn't.

like it? No, he loved it, but except for. that it had an engraving. >> So, you took away someone's birthday. present? Yeah. It was his birthday. present. I just. didn't like it. I'm sorry. I thought you said you You. told me you liked it. I liked it. I just. didn't know what I didn't want Well, yeah, that makes sense, but you said you. liked it. It had like a certain engraving on it. that I didn't care too much for. Oh, Caleb, I have to answer this. No,

you don't. We're [ __ ] filming. What. are you talking about? Oh, for [ __ ] sake, your realtor. No. Can you call her back? Maybe we'll call. her back in the post show and hear what. that's about. We'll call her realtor in the post show. Hey, I swear it better not be an off. offer I expect I'm going to I'm going to. kill you. I'm going to kill you. So, I'm. going to [ __ ] kill you. The minimum. due payment's probably 105. Costco, who has the Costco card? That's. mine. Kay, you're becoming the problem.

It's really starting to stack towards. your direction. $402.05. purchasing minimum due payment $41. I thought it was going to be more. groceries. It's Team Mox Teriyaki House. There's Costco, Arco, Harvest. International, Honeybee Family, Fry's. Mix Salty Lemonade, SOMETHING AT THE. MARKETS. THE farmer markets are life. I. like going to the farmers market. >> Good. I like you being able to [ __ ].

PAY OFF YOUR DEBT, [ __ ] You're. spending money on debt. You're making. debt go up. There is no avalanche OR. SNOWBALL. IT AIN'T A THING. OH, YOU GUYS, I'm sorry. What the [ __ ]. are you going to do? You're considering. She might tell us an offer's accepted in. the post show. I'm going to die. You're. going to need to back the [ __ ] out. You. can't afford this [ __ ] You're only. going further into debt. Oh, okay. Okay, actually the last one was Klarna. This. one's Affirm. Oh. West and Gold. Aesthetics. West and Gold Aesthetics. West and Gold. What are we doing? Dude, she's spending.

like. insane. That was. That Those are my facials. >> what happens when you walk away from a. conversation? You have no idea what the. [ __ ] is going on. Mhm. You need to hold. her accountable. Not in the traditional way. In like the. American way. Um. with good conversations and budgeting. Okay. Not the 1950s American way, either. Dang. That's less of a slap, more of a. fist. Oh my god. They're They're for my facials. Your.

skin does look great. Thank you. It. looks okay. What? It's a little greasy, just like. mine. And you look your age. Like that's. it. I told you I You got to see the before. pics. >> I don't give a [ __ ] You just look your. age. It's fine. Yeah, that's got to slow down. You're. Huh? That's That's the facials got to. slow This got to Are you writing all of. them? No, I'm saying it's got to. >> Yeah. Okay, that's good. Slow down. Sunscreen every day? Ab- absolutely. Okay, okay, you're doing the two things. that actually matter, then. Animals.

charge. Most of the [ __ ] is like honestly just. like fake science. Mhm. Well, a lot of it just has so many. conflicting blah blah blahs. And every. aesthetician has their own. opinions. And this is This It's his. aesthetician. I introduced you to her. Yeah, that's. true. She does my eyebrows. Minimum. monthly payment on. is probably like 80 bucks. I don't know. Oh god, I just got to keep going, man. Amazon Who? [clears throat] That's not. mine.

>> Amazon? Okay. Yeah. That's mine. Finally, back to. Mohammed. Here we go with Well, again, he's he he. he doesn't seem to be the issue. $193. I. mean, it's not good. >> Yeah, and some 4K movies. That's all. >> Okay, die. $35 your minimum payment. That's stupid. Amazon Amazon. >> pay that off? Hm? I thought you paid it. >> maybe he did before I got. >> I just bought her some movies during. Black Friday. >> Ooh. Wait, this is a Honda. Oh, wait, is. this an other loan on this? On the same. car? No, it's a different car.

>> Another Honda. Big Honda fans. See, see. Huge minimum payment. So, this is your. car? Yeah. What is it? It's a CRV. It's. a 2026 CRV. Why do you get that at. $1,000 a month that you make? $1,700. What the. You have a literal $773.03. minimum payment even though you make. $1,700 a month. What is wrong with you? What is with Americans? You know, speaking of cultures and how Western. culture is the superior culture in this. world so far, we have failed at this. Endless highway building and endless car.

dependency, and then you thinking you. need a new car that is half your income. What the is wrong with you? A $40,000. balance? $539 as well? What's the value? What's the value? This is crazy. It's. only worth 34. It's only worth 34. A 2026 CRV? 34? We. clocked in her VIN, dude. Wow. Mhm. I'm being told you thought you haggled. on it like a classic Middle Eastern.

And usually you think you're the best. hagglers. Usually it's like watches in. the mall, but I got it for pretty good. Well, no. It's worth 34. What's the interest rate. on this? 4.99. He pays on that one, not me. I don't pay. that one. We Oh, right. I think you got haggled. Like, "Oh, sir, I have such a good deal. for you. Brother, this is such a good. deal, I promise. Just take this, sir. Sign right now, it's so good." I got it. brand new Yeah, that's usually not good.

Really? Yeah, it's the the quickest deprecia-. Okay. Wait, is there a Chevy Spark as well? No, it's a Sonic. That's the one that broke down. Old car? Yeah. The engine seized up, so I had to. get her a new car. Wait, whoa, what is. this Honda Accord loan? 8,000? Oh, okay. So, this is a separate loan. You have 1,600 still owed on this broken. car? Yeah. Yeah. We got to get the title. before we can sell it. Yeah. Yeah. But you if you weren't spending on so.

much [ __ ] you'd just pay this off. immediately. $409.10. a month. And this is. Okay, so this is Muhammad's, right? No, that's my old car. Oh, [screaming] and. it's worth 1,500, so just about. >> Well, it's broken, so it's probably not. worth anything. [laughter]. Who has student loans? We both have. student loans. >> Who's at Who's advantage? His advantage. Okay, well, that's chunky. What was your degree? So, those student loans actually came. from a previous degree. I went to film.

school. Film and television production. And then And I like We're both into that. nerd [ __ ] We'd probably be good friends. outside of financial audit. But, buddy, the way you're doing it is. insane. Yeah. It's insane. Did you ever. do anything with that degree? No. No. I went back to school after the Navy. You sure did. Oh, for [ __ ] sake. It's. like 6.8%, so minimum payment 406.39. right now. And then yours is 56,000? It's actually 66.

That's. It's gone up? It's gone up. >> Oh my [ __ ] Cuz you're continuing to. borrow. for school. That's right. For [ __ ]. sake. Yeah, I'm in my semester. Oh, you're going to be there forever. So, a. second degree. Well, stop. >> degree. Go get a [ __ ] job, dumbass. Okay, I'm so [ __ ] done here. There's. $5.26 in savings. Checking account down. from 2,600 to 1,800. Is this joint this. federal joint?

K, Sports Plex, Burrows and Fries, Disney Plus. Um, Mementos Mementos. Mementos. It's a restaurant. >> All of them. Maybe that's parking, I. don't know. Barnes and Noble, Hana. Sushi, Barnes and Noble, Chuck E. Cheese. membership, Children International. Children. $30. Oh, he donated to. >> to. Donate to your own child by paying. off your debt, dude, and then give more. Jack in the Box vending machine, going. to start getting into [ __ ]. Man. Where's like the halal food? I love that.

[ __ ] That [ __ ] is so good. >> is. You got to You got to You got to. come out to San Diego, man. Dude, I'd. love it. Is that where all the Well, I. You got to go to [ __ ] Michigan. No. That's where all the That's where. all your people are. >> Yeah, when my family came here, they. went to Michigan first, but it was too. cold, so then they went to. >> too cold, but man, let me tell you the. Middle Eastern food there is crazy. I. can't find any of it down here. It kind. of sucks. I settle for Mexican food, but. that's okay. And Texas barbecue, so I'll accept it. Applebee's, Chick-fil-A, Robert V.

Battery, Chuck E. Pedophiles, Chuck E. Cheese. We have a son. [laughter]. What is a son? Amazon. Oh, here we go. Alfanar Restaurant, that sounds about. >> There we go. That is a. That is a. That is a really good Syrian place. Ooh, Syrian. Okay. Huh. >> Best beef kebab I've ever had. We love. it. We love it. That's very good. They. currently don't have a government, but. at least they can still make food. Taco.

Bell, Primo Water, Primo Water, that's. what we do here. I don't know why you. guys need to do it at your own homes. That's what we do it in our office, Primo water. Uh, Grossmont Cinema, Baskin Robbins, Grossmont Cinema, Shana's Burger, Momentos again, [ __ ] Thomas Sushi. Chilaquiles. So good. >> [ __ ] did you call me? No, I said they. have really good chilaquiles. It's a dish. It's a Mexican dish. Why. did you say it like a Mexican? Are you. Mexican? What are you? >> I'm Filipino and and white.

Damn girl, you got colon. Famous. Footwear. Venmo, Venmo, [laughter]. Fashion Valley, AE, aerusa.org, grob.com. I don't even know what these. things are. This is [ __ ] It keeps. going. Barnes & Noble. Um, honest on. that might be okay. >> [laughter]. >> Go to the library. Spot free rent, spot free rent, spot. free rent, spot free rent. So it doesn't. sound free to me. Spending a lot of money there. Delia's. Ice Cream, Oh, that's good.

>> Chuck-E-Cheese, >> [laughter]. >> [ __ ] Public Square, Momentos, [ __ ] Amazon, Mira Mesa Lanes, more Amazon, Amazon, Amazon, Amazon, Jack in the Box, Netflix, Harvest. International, Rose Donuts, Barnes &. Noble, Venmo, no money, you are equal. spenders, you're not snowballing, you're. not debt payoffs. Hey guys, where's our. savings and investing? This is it, 5,400? That's not much. >> got? Where's you? I don't You're [ __ ] 40. Yeah, you're boomer.

>> That's that's why I. I don't. >> You're [ __ ] boomer and you got. nothing. Am I a boomer? Not a boomer. >> Okay, let's try to make this budget. good. I can't I can't wait to hear what. this realtor says. I hope it's a your. offer was not accepted cuz. please, it can't be. It just can't be, guys. Oh yeah, yeah, guys, this is horrendous, these minimum. payments. Good luck. Put an extra dollar each one. Of each. one? Yeah, it'll go down faster.

>> That. does not make that much of a difference. All right, our minimum city payments is. literally $5,127.10. What the. Your rent's 25, you said? Yes, 20 20. 2250. Okay, what about utilities, internet, all combined? Um. Let's say like one 190 190. Oh, that's. not bad. Okay, gas vroom drive drive, how much? 250.

For each of us, yeah. Together? Together? No, no, no, like 250 250. something. >> 250? No. Yeah, well. >> Your work is like 5 minutes down the. street. >> yeah, yeah, yeah, so maybe like 150 for. me. So, 250 total. Um we'll do 350. Car insurances? That Did that go down? >> It's a Well, no, it went up because of. the CRV. Hold on, hold on. It's. I think it's 1365 for 6 months. So, what is that.

every month? 1365? Yeah, I think so. >> For 6 months? Yeah. Okay. Good. $227.50. I have to speed up cuz I have to go on. Fox News where they hate people that. look like you. Now, phone bill, how. much? Uh 250. Food, uh 750. Should be fine. Meal prep, meal plan, use our resources. Do you have anything. else you guys need to survive? 200. That's your facials. That all fits in. that. It's the toilet paper. [ __ ] dildos, whatever you need.

Medical health care. Um. $25 a month for me. And co-pays are probably like. we'll say 30, so 55. >> Okay, 55. Subscriptions, I'll try to do. 50 bucks. You have any pets? Yes, one. We have a cat. One cat. Okay, I know you. guys are anti-dog, right? We are not. Not anti-dog. Really? Someone in New. York City. was this. I love I love the fact that that they. Yeah. Yes. >> Okay, well 50 bucks for pet insurance.

Pet food, how much? Um, 30. I would say like like 15 bucks a. month. Okay. Anything else that needs to. be in this budget? No, I think that's. it. All right, needed to survive. Yeah, how. in the world are you going to [ __ ]. yeah, increase payment? Good the [ __ ]. luck. Just needed to survive on a. monthly basis is when paying off that. debt before that back deferred interest. hits is $9,471.60. and your total income is $11,099. Guys, you're renting. Stay renting.

This call I. I'm honestly nervous to hear, but. you essentially have 1,500 left on a. monthly basis. I mean, that's pretty. much it. Even with that, all this debt? We'll get rid of the student loans, but. you guys have a total of $235,266.02. of debt. It's crazy, but let's minus the. $56,684.00. Then let's minus the additional. $56,263.91.

cuz you're minimum payment your student. loans until they're paid off. That. brings bad debt to $122,995.27. Horrendous, disgusting. My life. I mean, that's horrible. With your 1,500 left on. a monthly basis with no funds spending, it still takes 81 months to pay off. I might be considering. Nah, no. You don't need to do. bankruptcy. You need to go make more. money. Bring in an extra few thousand. dollars and you'll pay off this debt. quicker. Right now it's 6 years. I think. you can pay it off in three and then you. guys can get a house. But you have to go. get a job now. He's already working.

Yeah, he's doing fine. You need to go. double your income. I don't think you. need to go get this other degree. Go. bring in money, pay off the debt, get at. the other degree later. Double your. income now. And you can pay off the debt quicker. All right, we need to call the realtor. back and I have to go cuz this episode. went very long. But let's get their even. financial score and then join us in the. post show. Spending in a budget. Always overspent, zero out of 10. Debt, no collections, is basically We just saw. the numbers. It's basically horrendous. One out of 10. Emergency fund?

Uh zero out of 10. It wasn't a full. thousand. Retirement? Horrible. For our. age, it was about a one out of 10. Real. estate? Zero out of 10. Really bad, guys. Really bad. Hammer financial score? 0.5. out of 10, rounded up. Get yours at. CalebHammer.com. Now, click that join. button. Join Hammer Elite for three. premium shows posted every single day, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Join us for the. post-show. >> there. Do you have a second? I just I. have some really big news for you guys. Okay, yeah. Guess what? You guys closed. Congratulations on your new home. You. How much?

Okay, I'm so done. Don't forget to. download the new Dollar Wise budgeting. app. This is officially now the best. budgeting app on the market, and I'm. giving you a special deal to download, but only through March 31st. Take a free. 3-day trial to test it out, and then you. get the monthly plan at a 33% discount. for the first 3 months, or the annual. plan at an insane 50% discount. And with. the annual, you get my budget-friendly. [music] cookbook and my brand new 30-day. detailed budget meal plan signed by me. and mailed directly to you. And after. March 31st, the cookbook is going away. forever, so this is literally your last. chance. Don't [music] miss the. opportunity of a lifetime. Download.

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