Scumbag Admits To Beating His Wife | Financial Audit

I had a really bad issue of like just. blowing up constantly. >> You got beaten your wife. >> Uh, >> how many times did you put your hands on. her? >> Twice. >> Oh my. >> I don't even know what I I genuinely. just lost it. >> Have you found a new lady? >> No. >> Are you trying? >> I mean, the younger the better, right? >> Sign up for the new and improved. Dollarise budgeting app. Take the free. trial and if you like it, sign up for. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. And for a limited time.

only, if you want to bundle all of my. educational programs together with the. budget app, join dollar central and save. 80%. Take the trial and learn more at. dollar.com. I'm Tony. I'm 28 from Poria, Illinois. This is Financial Audit. >> Yes sir, it is. Thanks for coming down. I know Poria. It's a good time. Cheap. area for sure. >> This is the top five reasons [music]. not to move to Poria. You should be. Well, actually, it depends on your job.

and income. What do you do? >> Um, I'm a technician at a factory in. Illinois. Um, and [clears throat] I work. on anything that comes off the line that. requires repairs or damage along the. process. >> That usually makes money, right? What. are you doing, sir? What are you making? >> I'm making about 2,000 every two weeks. from that job is what hits your account. 2,000 every two weeks. So 4,000, you. know, it's not like the most thrilling. of all the incomes in the world, but. Poria, you know, I know. Well, you can live a pretty okay life on.

$4,000 net a month. >> Well, especially when I'm I'm I'm. actually get VA disability, too. >> Okay. What' you do? >> Um, like job-wise or like what? >> What were you doing in the military? >> I was a tank mechanic. >> Yeah. Blowing up except fixing the that. would blowit up. You'd think so, but you. know, um, >> we're not blowing up as many things. these days. Okay. And in the army, Marines. >> Army. Yep. >> Good. I was actually a service recovery. unit, so I didn't really touch the. Abrams when I got in, but uh,

>> and what happened? What's your. disability? >> Oh, um, when I was in basic, uh, there's. like phases, red, blue, white, and blue, which red's like physical. Uh, during. the first phase, red phase, I, uh, took. like a 20 foot fall onto my knee. >> Why' you do that? Uh there's there's a. there's a rap a repelling tower called. like eagle tower and when uh one of the. parts on it is like a German wall which. is like a wall that goes like straight. up and there's like a rope. I went up. the wall got to the very top and. couldn't transition and they told us to.

let go if we feel like we're falling so. we don't have our hands on the rope. because we weren't wearing gloves. because you know. >> was it your immense amount of gravity? >> Yeah, pretty much. Yeah, I I was. actually a lot skinnier back then. Like. I was like, >> "Okay, so what hits your account for VA. disability on a monthly basis?". >> Uh about 1,500. >> So you're not 100%. You're what are you. like 25? >> Um I'm actually at 60%. >> Oh, I I know you hate it, but uh. >> hate it. >> Yeah. >> Hate what? >> You're always I know you've only had one.

person on the whole show that hasn't uh. had VA disability. >> What do I hate? >> You hate Well, you hate that um that. people abuse it. Don't you? >> Not not necessarily. >> abuse. You use the word abuse. You don't. hate abuse. >> Well, people abuse the system that like. they. >> You don't hate when people abuse the. system. >> No, I'm just saying you you you hate. that people are abusing it. >> Do you not? >> No, I'm just saying that you do.

>> Okay. Yes. I don't like when people. abuse welfare or disability or. >> student loans or Pell grants or any. system. No, you're right. And we don't. have sacred cows. Um, sounds like I. mean, you actually became injured in. what you're doing, so that's why I. didn't comment on it in any way. What's. Okay, what's the point of that? >> Um, trying to vindicate myself basically. of why I deserve the disability. I don't. know. Just push back against your. disability.

>> No, it's just my own issues are is part. is that, you know, self-doubt, you know, >> what brain damage from the fall. >> Oh, yeah, definitely. and and probably. um you know. other things. >> Okay. I guess you even bragged to Colton. that I would probably hate that you're. on disability. Why would I hate that. you're on disability? >> Uh. you got injured in your service. I want. you to have disability. I want anyone. who becomes injured or faces mental.

things through their disability to get. even more. The only way to do that is by. shutting down those who went and got. coached on how to get disability for. their acne or things that didn't happen. in their service to be like, "No money. for you and let's give money to everyone. that needs it and even more." So, >> it's funny you say that because when I. was going through my medical side, like. the physical evaluation, they only gave. me 5% for my actual hip injury and the. rest and then after I got through the. physical process, they're like, "Would.

you want to see a therapist?" And I was. like, "Yeah, sure." And after talking to. the therapist for like an hour, he's. like, "I think you have anxiety and. depression." And that's where like 40. >> correlates it to the military cuz a lot. of people have anxiety and depression. outside of. >> that. [laughter]. >> Oh, >> yeah. >> Okay. Well, good. I mean, you're working on. lines, right? >> Um, no. Um, so where I work, we have. bays that everybody works in and uh. basically anything that doesn't require. um a lift like a lift to lift uh the.

vehicle we're working on. >> Um I do anything besides like drive. units and batteries. >> So is it physical? >> Yeah, it it it just depends on what what. comes into the bay and what we need to. work on. >> But your job is physical? >> Yeah. >> So your injury is not preventing you. from doing your job? No, I would say I. would say no. Um, >> okay. [laughter]. >> Okay. So, $5,500 a month.

>> Um, >> good. I also. >> again in Poria I should be doing well. Go on. >> I also I also have a roommate that pays. uh about $800 a month. >> Okay. Plus $800. Why the are you here? >> Um, well, I I actually went through a. divorce because of a Pokemon addiction. I kind of got into. >> the is a Pokemon addiction. >> Uh, you know, CO sitting at home all day. and. >> co that was a second ago. Big guy. >> Big guy. >> Hey, long co. Haven't you heard of it? I.

mean, >> long co, man. Same thing, just with. debt. >> That sounds like the dumbest thing I've. ever heard. [laughter]. >> Long debt. You have long debt. >> Yeah, just like a lot of people. >> Wait, no, no, no. explain this divorce. Pokemon whatever the. if that's what got you here. What the. are you talking about? >> It it it it's it's that's a part of it. But I'm also kind of struggling with. buying Legos and it's it's like a whole. another addiction to.

>> Yeah. Yeah. >> that cures your anxiety and depression. I guess. >> it's very therapeutic. One little piece. of. >> cope. >> Yeah. >> Everything's cope. So. >> everything's computer. >> Uh-huh. So, what the was going on? >> So, me and me and my ex, we got married and. uh. >> this a military marriage, you know, they. go quick. >> Yeah. Yep. Well, and we we we got. together, we met each other when we were.

in high school at a job and we were. together for like two years till she got. out of high school and then I was. already out in in the military because I. was a year ahead of her. >> Yeah. >> And um. >> predator. Mhm. >> Yeah. you know, grooming. Uh, [sighs]. >> it's funny. Go on, keep going. >> Um, so we we we once she got out of high. school and I was already out of the high. school for a year, we got married and uh. we were together for 4 years. >> Boring.

>> And he said that I had a tear in my. labroom and I need it repaired. Um, even. then I kind of had I started spending on. Pokemon and I was I wasn't as bad as. before like co. >> Well, okay. Well, what you weren't as. bad as you were before? What do you mean. before? Like what what Pokemon? >> I'd like buy a pack or two and then um. >> Sounds like cigarettes. Okay. >> Yeah, pretty much. Every day just one. pack and. >> what. >> pack? Strip it through, you know, hope. for the best. >> day. That's insane. >> Uh,

>> what's the cost of a pack? >> It's like three bucks. Yeah, but a day. is insane, >> dude. That's that's over a thousand. bucks a year. >> Yeah. Yeah, it definitely added up. And. it I didn't feel it as much. Uh. and it was just it like you said, it was. a cope. But uh. >> and also I doubt actually at your income. level $1,000 a year is what put you. under. I I highly highly I you there's. no way you didn't spend more on Pokemon. Come on. You had to have spent much more. on Pokemon than that. Well, so when I.

when I got out of the army, I went and. uh I was a contractor on base working on. uh. >> I have the number 15 grand. >> Yep. >> 15,000 on Pokemon. >> Yep. And I'm still paying on it. >> You're still paying on Pokemon? Pokemon. debt? >> Sell your Pokemons. >> I did actually. I sold it. >> You already did. What did you sell? >> So I when she found out about it and she. found out how bad it was. It's like a. collection interacting. >> And I was hiding it like one, too. But. >> really, where were you hiding the.

Pokémon? >> So, we had an attic area in our house. and I just shoved the box in there. >> That's insane. >> What was the intent of the Pokémon if. you had to hide them and you couldn't. even like play with them? >> Well, I I I I got really into like the. Pokemon collection and watching YouTube. videos and seeing the values. >> You hid them? >> I Yeah. >> You didn't even get to enjoy them. Bask. in their glory. Well, I I had them in um. fold in uh like cases and like kept them. so they wouldn't get bent and I had them.

in so in the attic area that I had like. my computer in front of it. So I was. like I'd move my computer out and pop. >> You had your computer in the attic? >> No. No. So, the upstairs area, it's like. a large room and that's where I kind of. like had a gaming area and uh there's. like a attic that Oh, a door to the. attic where the. >> hid the access to the door with your. computer set up. >> kind of. >> That's crazy, guy. That is crazy. >> And um and uh so basically when she.

found out, she said I had to sell them. right then or she was going to divorce. me. So, I took all the cards and just. sold them at a pawn shop for like a. third of the price. >> And yet, she still divorced you. >> Yes. >> Lose. Lose. Why the did she divorce you? >> Um, >> probably because my insane husband is. hiding behind a computer setup so I. don't see a door to the uh crawl space. in the attic area where he hides.

[laughter] his Pokemon's like a dead. body. Um, so basically like. >> how'd she even find out? >> Getting stuff mailed to the door. basically. I'm pretty sure that's why. she saw one box and she's. >> very bad at hiding addictions, aren't. you? Come on. You go through all that. length to hide it in your attic and then. you don't even vet when things are. coming. >> Well, I I it was like a two-year thing. So like it it took like two years for. her to finally because she worked at the. same schedule as me and usually I got. off a little bit before her. So, it was.

easier to just grab the package and. pretend like it didn't happen. >> Dude, that's insane. >> Um, >> I hope you know that. Why'd you divorce. you? So, it was about it was like two. years later and uh it was after I had. gotten out of like fully out of the. military and she uh she was strug I I I. had started to go to therapy for like my. anxiety and depression. >> and I had a really bad issue of like. just blowing up constantly about like. the littlest things. >> and I had.

>> feeding your wife. >> No. Um [laughter]. >> it wasn't the confidence of an answer. that I was hoping for. Well, I things. got physical, but it wasn't me. initiating the phys physicality. >> Uh, this is your opportunity to explain. that. [laughter]. Like I I would anytime we got an. argument, I would try to separate myself. from the argument and I'd close doors. behind me and she'd try to kick kick. down the doors. and if I tried to leave the house or.

leave and leaving my truck, she would. try to stop me from leaving my truck. leaving him leaving. >> and and it it it went both ways. I'm not. I'm not saying like. >> And what about your way? Because I'm. only hearing her way so far. So, there's. one there's there's one time when um she. was cooking something and I uh I she. gave it to me and I I tried it and I. didn't like it and I told her that and. um it's kind of hard to remember ex. every detail, but she she I I think I.

got a little more like verbal like like. this I don't like it and she just kept. asking me why and I was like I don't. like it. I think I think it tastes bad. and or it tastes like and I got kind of. mean with it. Um, and so she threw it. was like a it was like a taco or. something or some something with a. tortilla, but she threw it at me and I I. I got up and I I was like and I tried. leaving and she just kept getting my. way. >> So.

>> So uh she kicked me and I grabbed her. leg and she fell on the ground. >> Uhhuh. Uhhuh. >> And she kept kicking me so I held on to. her leg. Uhhuh. >> So, you guys fought a lot? >> Yes. Um, and it it was it got better. when I went to therapy because I I I was. able to like if I got over stimulated, I. could be like, "Hey, I'm getting kind of. upset right now. Give me like 5 minutes,

calm down, we can talk about it." And. that was working for like 2 years. And. then um we got to a point where I I just. came home from work. I I was like, "Hey, I'm going upstairs. I'm gonna go play on. my computer and relax." She's like, "Can. I come up and hang out with you?" And I. was like, "Yeah, that's fine." And so I. had like a chair behind me and she sat. there just and I literally just turned. on my computer and it wasn't even turned. on yet. And she's like, "We really need. to clean up here." And uh I was like, "Well,

>> it's bleeped. It's okay.". >> Uh I was like, "Well, you know, I I just. got home from work. I just want like 10. minutes to relax. Like that's all I. want." And so she started like cleaning. and I'm like, I really need some time to. just calm like relax. Like today wasn't. a good day. Just give me a few minutes. And she just kept pushing it. And uh I. was like, I'm getting really upset right. now. Like just give me 5 minutes to calm. down. And she did not she would not. leave me alone basically. And uh I.

freaked out, started yelling. Um, she. called my mom and uh tried to get my mom. to talk. >> because you must have been freaking out. a lot. >> It It was a. >> You must have been raging. Come on. >> It was It was full on. It was a It like. I don't even know what I I genuinely. just lost it. Uh and she called my mom. and my mom answered. My mom was like, "Tony, uh I don't know what's going on. Like what's wrong? What's wrong?" And I. was like, "You're what's wrong? you you. you're the way that you were when I was.

a child is the reason that I is. basically blaming her for the rage and. the me freaking out like I always did. >> and then she packed up and left or. >> no um she she did leave to a hotel for a. little bit but then she came back and. she was like I'm not happy I don't know. if I want to be in this relationship. anymore and she was like I'm not sure. >> yeah who the was happy in this. relationship ship. >> and we we we talked about it and I was.

like it's not like I'm happy either. Like I'm not sitting here, >> right? So you Why were you trying to. keep her? >> Well, so we we were talking about it and. um I was telling her like it's not like. I'm happy either. Like I'm not saying. you deserve me freaking out and you you. don't deserve me you don't deserve. anything that's happened. I'm not. sitting here saying that. It's just I'm. struggling and I know you're struggling. too. How many times did you put your. hands on her? candidly.

>> twice. >> What was the other time? >> Um [gasps] I I I woke up early and I. made her coffee and she was complaining. about what about how I made it and she. was trying and she was trying to leave. so I got in front of her and kept her. from leaving so try to talk her to her. because she was trying to go to work. do. that. and. >> and. ba basic. basically just keeping her from leaving.

that like I blocked the door from her. from leaving. >> Uhhuh. But you said you put her hands on. her. >> Yeah. Unhealthy relationship in every. way whatsoever to be clear. And she was. physical with you quite often. It it it. was I I would say 50/50. >> No, neither of you should have to be. clear. Uh and you guys had a dramatic a. lack of boundaries in every way. You. wouldn't let her leave and force her to.

talk. Horrible. She wouldn't let you. have a moment of space after you got. home. Horrible. And then your guys's. reactions to either of those. Horrible. And when why the would you guys be. together? Of course, I would say break. up. My goodness. Okay. So, poke. Pokemons, to be clear, not the reason. for the breakup. It's the hitting each. other. >> Yeah. >> Yeah. And now you're saying it's gone to. Legos.

>> Yeah. Um, so basically my grandma, she. got me a P no Giza for Christmas with a. light set and ever since then I've just. kind of been buying. >> Last Christmas. No, it's been. basically Yeah, since my divorce. Uh. about 5 years. >> Your divorce is 5 years ago. >> Yes, I'm pretty sure. I I tried. >> And how much is the Pokemon.

continued since then? Cuz it was. discovered 2 years before divorce. Divorce is 5 years ago, so 7 years ago. How much has the Pokemon addiction. continued? Um, I have some just stored. away, but I haven't bought any. >> So, it's transitioned to Lego. Yes. Over. the last 5 years. Tell me about that. And you're spending on Legos. >> Yeah. >> You said you're still paying for some. Pokemon in here. You said like what the. You told me that. Okay. >> No. No. I said I said I was buying a. pack every once in a while.

>> And you said I'm still paying for that. >> Oh, yeah. Well, no. I mean, I'm still. paying on it as far as like debt. >> Yes. What do you think I just said? >> It sound like you said I was still. buying. >> Okay. and Lego. >> So, uh, my grandma got me a Pyramid of. Giza with like a light set. >> We got the light set. Pyramid of Giza. Yes. >> And, uh, so basically I've just bought. like one one every once in a while. And, uh, one every once in a while. I don't. know what one every once in a while. means to you. >> And also Legos are so Legos are so. expensive. They're insane. They're. hundreds of dollars. Hundreds if not.

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debt, not push you further into it. Check them out at yrefi.com/hammer. That is yfy.com/hammer. Or call89733978. That is 89733978. Break free from the highinterest trap. and get your finances under control once. and for all. So you didn't get rid of an addiction, you translated an addiction to something. else. Yeah, >> which is often what happens if we don't. actually deal with whatever the we're.

doing. It seems to be maybe your cope. for whatever issues you're dealing with. and then that cope has just been. translated to another cope instead of. actually dealing with it in helping. coping mechanisms ways. Um. yeah. Um oh good. You use cash advances. for Legos. Oh my. I didn't think I'd ever read in my life. that someone. does cash advances for Legos.

Buddy, what are we doing? What are we. Have you found a new lady? >> No. Are we shocked? >> No. >> Yeah. Are you trying? >> Uh I mean I was talking to somebody a. bit ago and literally. >> she found your collection. >> No. We uh we were we were Snapchatting. I'm Tony. I'm 28 and we're going to meet. the next weekend. And I. >> Snapchatting is for by the way. >> Well, we didn't meet through. Snapchatting. It's just we we talk. >> Yeah, but if you transition to Snapchat,

that is too. >> Basically, she she had I messed her in. the morning like, "Hey, I hope you're. doing good. How's class going?" Because. she was she's in college for she was in. college for like cosmetology or. something. And um how old how old is. she? >> She was 22. Nice. >> Yeah. Um, but basically I I looked at. her message and said and she said, "It's. going pretty good, lol." And then her. account was gone. Some of like literally. blocked on everything. Like I literally. just asked her how's classes going and.

it was gone. So you're a gooner. You go. for the college is I mean the younger. the better, right? >> No. I would say I I in fact I would say no. biologically. Yeah. When they're most. fertile. Come on, Caleb. >> Oh my. >> Come on, man. Yeah. I don't have a. picture of her. Uh but uh. >> I would say May I for the sake of. society have your bottom be 21?

>> Oh yeah, for sure. >> Okay, please. And thank you. >> I will say anything under 21, they're. too immature. usually. Uh-huh. >> Yeah. I don't have a picture of her. >> 18's legal, but you're not 25 anymore. So, it's like, you know, >> I haven't The last thing that you're. approaching I was was with was my. ex-wife, so we're good. >> Not her last name. >> Yeah. >> What did she look like?

>> Um, >> just I'm sussing you out right now. >> Shorter, blonde, kind of. >> I I go on. Not not not like 13-year-old short, but. you know, it's. >> not suggesting nor I did not indicate. >> You're implying. >> I am not. I just wanted to see what. you're going for. >> Not not that. >> No, I don't care. Uh I don't care what. two legal consenting adults do. I don't. give a This isn't Tik Tok or Twitter. where we over sensationalize everything.

I'm just trying to see. I'm really. trying to look. >> No saved photos. No, >> you guys never met. >> No, we were getting ready to that. weekend. >> Oh, >> and it was like the Wednesday before I. was. >> only That's it. >> The most recent. um I I was with somebody for like a. month um before like actual relationship. and uh she was she was something else. but and she was uh 20s early 20s so you. know staying within that legal range or.

okay range. What do you have to def Why. do you have to define it? >> Yeah, because the way you're I don't. know. Just you know. >> I actually would like to say I didn't. suggest anything about going too young. That was you. >> You're implying it. You're implying it. heavily. But regardless, I would I kind. of was wondering if you'd buy me the. Eiffel Tower. >> You. >> because I I my inside. >> Q. You want an Eiffel Tower 13-year-old? I don't want. >> I don't want you can be the other leg of.

the tower, Caleb. Like, come on. I got. $140 of insider credit. All right. So, if you just give me a 500, I could get. the Eiffel Tower and we get this going. I You get a light set for like $100 for. it. I'm sure. >> Show me your light set. Your special. little light set. We'll put it in video. >> Stream record. >> Well, just send us the picture. We'll. put it up. >> That That I have because I put that into. a I put in an album just for you.

Oh, here. >> So, that that's not Lego. That's a off. brandand that my mom. >> I thought we were doing Lego. >> Yeah. Well, here's Lego. Here's Lego. with a light set. >> Okay. It's Notre Dame, I think. Notam. Sorry. >> Yeah. And light set. >> And it has lights inside of it. And. here's a Japanese castle with some. lights on it, too. >> Yeah. It looks like it just got nuked. That's [laughter] about right. >> And here's some plants. A lot of the. plants plant Legos I have my mom usually. gets me because we'll go to like Walmart.

like do for especially for. >> this why you go for young because you're. mentally there. >> Yeah, pretty much. >> Oh my gosh, dude. You didn't have to say. that. >> Uh here and here's uh you know. Taj Mahal. from here. >> Uh Endurance. >> I don't know what that is. Okay. Yay. You show me your collection. I'm really. proud of you. >> And there's the Titanic. the 4 foot long. like 10,000 pieces. >> How much debt do you have? Not including. your house cuz somehow you have been.

able to scrge together owning a home. Other than that, how much do you have? >> I think it's around 67,000. 68. >> Looking about 73. What the is going on? Why would you. continue legoing? Well, so a majority of that is from actually a. roof repair on my house and also uh I I. got a truck. >> The truck isn't even half of that, dude.

>> No, >> come on. >> So, I got the truck uh when my car was. going through some or my truck my car I. had a Dodge Journey and it was having. some transmission issues and so I was. like, "Well, I'll get just get a truck. Let's get a truck that solves all the. problems. >> Well, I took it in to get looked at to. get see if it could be fixed and they. quoted me like $7,000 for to fix it or. $300 in credit towards another vehicle. and I was like I basically said that I'd. rather just fix it get it fixed myself.

and which I did. Yes. Um. >> then what the what are you saying? >> Well, so I I wanted a truck regardless. And uh basically I I spent like a,000. bucks to get my car fixed. It's like I. bought a transmission off of eBay Motors. and got it put in for like $500. Um, and. it's been running me good for about a. year now. Um, but yeah. >> Uhhuh. >> So, I kind of wanted a truck because I I. want I' I'd like to I'd like to start.

>> really excited about this truck. >> I Well, I' I'd like to start working on. cars outside of my actual job. >> Okay. But I'm being told you already. have a dream car from your grandpa. So. why why the are we obsessing with this. truck that you probably cannot afford in. any way whatsoever. >> Well, I Well, first I I used the truck. to bring the car to Illinois because my. my grand when my grandpa passed away, he. left me basically a hot rod project. And. it's not. >> What's the car? This dream car.

>> It's it's it's not it's it's a rat rod. >> That's what the car is called. No, it's. what it. >> What's the car? It it it it's literally. just a frame and then body panels. and I I still need to put it. >> drivable. It's so it's not drivable. So, you're not pulling up to schools with it. currently. Okay. >> Not in that waiting lane yet. >> Good. Thank goodness. >> Okay. So, you need a car. Why don't we. fix that or sell? I don't know. It's.

sentimental. Okay. Well, this is. difficult. >> because he he died and when he was when. he was currently like in the stages of. dying, he said he hoped he could see it. completed before he died. >> Mission failed. >> Next time. >> Yeah, it's kind of hard when he I got. the car one week and next week he's. dead. And I literally called him the day. before he died. >> Was that his whole crux? Like. >> I don't know. It's like as soon as he. got in Illinois, he's gone, you know? But I I had called him the day before. and then he I when I looked at his.

Facebook profile because I was looking. at the pictures. >> That's how you found out he died. >> So it's up because I looked at his. Facebook and I was unfriended and I'm. like what's going on? And the way I'm so. sorry. The way I found out he died was. somebody said RIP Larry on his profile. and I was like what the And I didn't. >> It's not funny that you lost your. [laughter] grandpa, but that is such a. ridiculous. >> That is such a ridiculous thing. >> It's up because I messed up I messed I. messaged his girlfriend at the time and.

was like, "Hey, hey, is he was on the. prowl as well. Want to know a [music]. dirty little secret?" And no, I'm not. starting an only. You're not broke. because you suck with money. you just. can't see where it's going. If your bank. account is empty at the end of every. month, that is not bad luck, that is bad. tracking. And it's exactly why I use. Dollar. It shows you exactly [music]. where your money is going every single. month. Spending, subscriptions, and. savings all in one simple dashboard. Everything you need and nothing you. don't. [music] And when you download.

Dollar today, you'll get a drive for. free, plus 3 months for just $9.99. So. you can finally take control and see. what your money's been doing behind your. back. Click below to get started. >> She She was within uh his age range, so. he's good. >> What's his age range when you get up. there? >> Uh about 50, I think. But uh. >> 50 years difference. >> Yep. Um. >> Okay. [laughter]. >> But um he So I I me I texted her like, "Hey, what's going on with grandpa? I'm. He's unfriended me." And uh I didn't.

even get a message back for like 3 days. And then I finally found out he passed. away. I'm like, >> "That's very I I'm sorry. That that's. really hard. That's really hard." Um, yeah. I'm sorry for your loss. >> and I I haven't even really. >> And I get the car sentimental with it. I. don't want to with that. I I I agree. But I would love you to be able to. hopefully drive it and maybe get rid of. a truck that we can't afford. >> Um Well, and I would I would like to. keep the truck longterm because I I so I. got the warranty on it and it. >> Oh my I.

>> Come on, car fix guy. You can fix cars. Well, the the engine completely [ __ ] out. and I I didn't at that point have a way. to repair it and that's why I got the. >> Wait, which on which car is what? >> The the truck the truck the engine. already [ __ ] itself. >> Yep. It So. >> the truck that we owe on. >> So my big uh Ram 1500 uh the Hemi uh. [ __ ] out on it, which was common because. it doesn't get enough oil pressure to. the top of the engine. >> I thought we specifically bought this. truck because the engine got the.

transmission got on another car. Yeah. And uh Well, >> so are you trying to like make this into. a business, repairing things? >> I would like to at some point. And I. I've already when my. >> Oh, I'm being told you want to open it. with your mom. >> Well, no. So, my mom my mom, she went to. school to work on motorcycles. And I was. like And I told her like instead of. working in a factory, she'd actually do. what she enjoys and like actually use. >> mother. You seem like you've been. coddled by mother. >> I wish. Um but she's she's like in her.

50s. She's She's. >> You seem like someone that would still. be sucking the tit. >> I mean, I love my mom. I mean, >> I don't know. >> Okay. >> Her tits are a little saggy, but you. know. >> Okay. Do not start a business with saggy. titty mother, please. >> No, I I wasn't planning on it. I just. wanted to help her. >> Why did you tell Colton that? Cuz I have. the note from that. Well, because uh. well, >> or she wants to. >> right now she's working at a factory and. she's not and she has a degree at like. from Phoenix, Arizona for MI MIT or UTI.

I I don't know the exact name for it. >> I I don't know the I forget the exact. name for but it's like the mechanical. institute like for and she to she went. to Phoenix specifically to get the. degree and she's not using it. And I I. told her like I'd help her get it like I. wanted to help her to like pursue that. What the um what are half the things. you're saying? What what even is this. right now?

>> Mostly but you know. >> I agree. What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> I took the score and I think it gave me. like one. >> Okay. And do you want to take the score. by taking the quiz? See where you're. doing well. see where you're failing, where you need to improve. It just takes. a few minutes and it is free at caleb. hammer.com and you'll get your very own. Hammer financial score. Remember, if you. don't want to be like a guest who ends. up on this show, sign up for the Dollar. Wise budgeting app. It is my preferred. budgeting app. It is what all guests. use. It is what thousands of people sign.

up for on a daily basis. And if you want. to save a lot of money, sign up for the. annual version. And when you do, I will. sign my budget friendly cookbook and. mail it directly to your door. Learn. more at dollar.com or click those links. below. [sighs and gasps] Let's jump into. these documents. What a what a start. Navy Federal, it's for vets. Well, or at. least you got to know a vet or be. related to one in some kind of way to. get in, right? And uh they love you. because you have a literal $20,000.

$53.99. balance. What the possibly is this Lego? Is this Titanic? What is this? It's It's. Pokemon cards and the cash advances. basically. >> for the Pokemons and for the Legos. The. cash advances for the toys. >> For the to. [laughter].

what the is insane. In what world. possibly is this considered reasonable. in any way? Hey, by the way, how long. does this take to pay off if you do not. purchase on it and you only put your. minimums towards it, which you do? >> I think uh about like 40 or 50. >> 31, but that's still crazy. That is crazy. You'll be nearing retirement age. >> I know. And that that's kind of part of. the reason where I was like I started. seeing your show and I was like I I.

really need to get my together. >> because that's great. >> Because when I. So, you wanted to get your [ __ ] together. when you started watching the show. So, you would do good things because we had, you know, a bit of money coming last month. I. didn't see VA hit, but 4,778 hit from. payroll. What was the outflow? What was. the outflow? Because you're learning, because you're doing things. You're. getting your together. What was the. outflow? >> Uh, I I actually have rocket money and I. I think it said like seven. >> close 7 thou $6,77859.

That was your outflow. So, that's. getting our [ __ ] together. That's I'm. getting better. That's I've seen the. show and I'm turning around. What the. are you talking about? You never You did. you listen with the volume off? What did. were you doing? >> Well, it's even turn on the show, go. into the other room and just sit there. and goon. >> Um, it's even crazier because I didn't I. didn't even process the idea that uh. minimum payment would last like 30 years. until I saw your show and I was like, "Okay, so I'm".

and um. >> and then you did nothing. Listen, I know. when you see the number 30, you're like, "Ew, that's disgustingly ancient." That. doesn't mean you can't start making. progress towards it. You didn't do. anything. You didn't do anything. >> I'd rather just play with Legos, man. >> I'm sorry that it's not a freshly 18. number. [laughter]. >> Hey, those Legos are at least for 18. year olds. All right. At minimum.

So, us getting our together is. nothing. because again, you spent more than you. made. So, you found the show. Oh, I need. to get my together. Here's the wakeup. call. And then we do nothing with it. >> Well, that month, I'm pretty sure I sold. I I had bought a Kia while my truck and. >> had your income. >> Well, that would be included in your. income. Um, well, I bought a Kia when my. truck and my journey were both getting. worked on and I fixed it up a little bit. and like and I I actually sold to my mom. around that time and I put the cash in.

there, I'm pretty sure. >> I'm being told you put your closing cost. on your house on this card as well. >> I believe so. >> That's insane. In what world did you. think you were possibly ready for a. house if you have to use a credit card. for the closing costs? Um, well, luckily. >> Poria is cheap. >> Well, and luckily with the VA loan, it. it was like $1,000 for closing costs, >> but that's that's not what that.

necessarily means at all times. That. doesn't mean that's Yes, that makes it. easier to get in housing. That doesn't. mean it's necessarily a good thing for. you because I doubt you had a fully. funed emergency fund and that means your. equity position in the leniency like a. in it in order to sell your house and. not lose money and have to write a check. was probably a micro dick size. [laughter]. Um, oh, it's it so it's even I I just. kind of figured like instead of putting. like 1,500 towards an apartment, it. would be better to put like 1,100.

towards a house and just like have that. actually. >> not when you can't afford a house cuz. then it's a disaster. >> And I actually had a kind of I I had. roof repairs, which is that's another. loan on there. And I think that that's. like a whole another story on a. >> Let me guess. Your roof wasn't good, so. you had to repair it. >> Yeah. >> Yeah. Thrilling story. >> So, I was I was on the roof and I. >> read a book about that one. >> Um I'll put in my 13 Reasons Why. Um,

but I basically I was on the roof. clearing out the gutters and uh I uh I. uh kept and there was like a weak spot. and I and I so I I I felt like I had to. get it repaired and when I was going. through the process for the loan, I told. him I couldn't get the loan because I. had the my truck payment. And to. clarify, you're joking about the 13. Reasons Why thing, correct? >> Yeah. Thank you. This would be a different conversation. to sell.

Okay. Your minimum monthly payment on. here. is $49645. >> That show pussed out, guys. I. >> That show pussed out when it came to the. guy bringing the AR-15 to the school. >> I I've literally only seen like reals of. it. So I I have not watched it besides. reals. >> If they were going to be a full. realworld house is out there, they. pussed out. >> Oh yeah. Like like the Charlie Kirk.

assassination. >> What? >> That was pretty crazy. >> Yeah, that was crazy. >> Did you see the video when it came out. or when it happened? >> I think everyone saw the video. >> That That was. >> many of which against our will. >> Yeah. >> What are you the one who did it? >> No. I I like Charlie Kirk. Uh I. >> Okay. >> I I I made him my uh uh banner on. Facebook before I deleted Facebook. like. a picture of him like or like a. painting.

>> Uhhuh. What? After the death? >> Yeah. >> Well, that's very sad. No one should. die. >> No. Um, >> no one anytime should die. >> But yeah. Uh, >> well, having this conversation with you, I'm afraid that you're going to. >> do that to me later. >> Buy me the Eiffel Tower. You might not. have a problem. >> Get light set. You know, you'll really. be my good graces. >> So, I have to bribe you for my life to. buy an Eiffel Tower set. Yeah. Okay. Your minimum monthly payment.

is substantial of $49645. for your regular paycheck. That's. already an eighth of your income. That's. huge. That you. Well, more like a 16th, but even still, no, an eighth, right? Yeah. You know, the holidays are coming when. your fridge is full of leftovers and. your living room is full of guests. And. let me tell you, folding chairs from the. garage doesn't cut it anymore. And that.

is why I started shopping on Wayfair. I. got this cozy armchair that looks like. it costs a fortune, but I got it during. their Black Friday sale for way less. Plus, it showed up fast, and I don't. have to lift anything heavier than my. phone to order it. Wayfair is the go-to. for all things home. furniture, cookware, rugs, holiday decor. Yes, even. the inflatable snowman your HOA probably. hates. >> Absolutely not. No whimsical statuary. visible from the street. >> And the selection, you're not seeing the. same basic stuff every other store has.

It's actually fun to scroll. And right. now, during their Black Friday sale, you. can get up to 70% off. Don't miss out on. the early Black Friday deals. Head to. wayfair.com to shop Wayfair's Black. Friday deals for up to 70% off. That is. w afir.com. Sell ends December 7th. Now, let's get. back to the podcast. >> Okay. [laughter]. When it comes to numbers, you have. nothing to say, do you? But when it. comes to it's it's hard to argue. numbers. Numbers.

>> unless it's attached to the pair of. tits, right? >> Well, you don't see that number, >> but you should clarify it. [laughter]. >> Always clarify. Always check IDs before. you do anything. Verify age. Make sure it's not a fake. ID. This is it. A you'll be happy about. this. Um or maybe it's too high for you, but I don't know. An 18% interest rate. Dude, the interest charge this year so. far is $2,180.74.

>> I just I thought I could afford it. I. thought, you know, it's just part of my. paycheck going out of the way. I thought. I. >> part of your paycheck. Yes. I'd say. actually half more than half of your. paycheck has gone to interest this year. so far in this card alone. And at the. time of the statement, it was it was. just look at that the payment. It was. just it was halfway through the year. So. this will be an entire month's work that. you done will go to the interest on this. card alone because you're putting dump. from your down payment from Legos from. Pokemon cash advances and you'd be.

spending on it if it wasn't borderline. maxed out. I know for a fact based on. your behavior and the spending of you. spending more money than you make. anyway. So yeah, I I mean. >> a whole month of you out there grinding. goes to this interest. >> Grinding for those Legos, man. Can't be. grinding for minor. >> Stop. >> Got to work. Got to do Legos. Keep. myself distracted. >> What? So you don't do that?

>> Yeah. >> Colton, any chance we can get a hard. drive check in the post show, please? I. don't want to look at it either in a. more official capacity. Okay. Okay. Yes. Grinding for the Legos. I. agree. Remember that entire month's. worth of income could have gone to. Legos. But instead of to Legos, just go. to interest. So that's not grinding for. Legos. That's grinding for your previous. sets, not future sets. >> And [laughter].

go on. >> Uh it's just. >> What are you trying to say? It's just. easier just to ignore the problem and. just kind of set it to the side. >> and not think about it and just. >> it is. Yeah. Hand money to the sand. It. absolutely will. But once it gets to the. point where you're unable to pay for a. mortgage, then what do you do? >> Then then it just rolls downhill and it. everything. >> explain. >> You lose your house. I mean, luckily. I've never lost a house. my house in. Kansas. I actually lost I had to pay a. little bit of money in but and even then.

I only got like a thou a few hundred. bucks out of it. >> You made money. >> likeund few hundred bucks on the one. downstairs. >> So you're going to end up in that. situation again and that's even if. you're lucky. >> Yeah. According to Zilla, my house is. like one. >> Okay. Colton wants me to ask to see uh. your wishless cart. >> Oh, currently. >> my Lego Insiders cart. >> Your Lego Insiders cart. Yeah. What's. sitting in the car for Lego Insiders? >> Well, right now it's the uh. >> Let's see. No, just show me. I want to.

see it. Yeah, I guess you told Colton in. the green room before this. He was just. so excited. Look at my Legos. >> Yeah. Well, it's more of the wish list. The wish list is where all the stuff is. >> Look at my Legos. >> But yeah, in my bag I have the Eiffel. Tower. >> Oh, he has the Eiffel Tower. You And. then on the other list, >> uh, and the wish list started screen. recording, too. >> Oh, and I have nothing against Legos, by the. way. I really don't. >> So on here I have like. >> Yeah, we got to show show. Let's see. Give, give, show. I'm afraid to touch.

this phone. $5,549.71. sitting in here. You We got a Batman. skyline backdrop. Uh uh uh X-Wing Starf Fighter Insect. Collection. I feel like I've seen those. like just just at like Barnes & Noble. and not Captain Jack Sparrow's pirate. ship. >> Okay. I thought it was called the Black. Pearl, but gotcha. [laughter] There's. Jabba sail barge. The Eiffel Tower. The.

Milky Way galaxy thing. Concord, which we should bring back, by. the way. Bring back the Concord. Let us. travel quicker, ladies and gentlemen. Tai Interceptor flower arrangement. instead of, you know, going and getting. a date and bringing her real life. flowers. Yeah, that's great. Vince, Vince, Van Go, Starry Night, who's Van. Go, Sunflowers, dinosaur fossils, steamboat, vending. machine, shuttle, aircraft, car. This is crazy.

This is crazy. Mineral collection, Mona. Lisa. By the way, she looks like she has. Down syndrome when she's the Lego form. So, I don't know if we're getting that. I see myself in her. All right. >> Uh, [clears throat] yeah. Fountain. garden. Traditional chess set. Do you play chess? >> I I have. >> What the are we doing? Trevy fountain. Uh, the creeper. [laughter]. The battle droid. Enderman Tower. Disney.

Pixar. Mini bus se uh bonsai trees. Hibiscus. Nokin Castle Game Boy. That's crazy. This is insane. This is insane. Don't. you even come close to considering this. Don't you even come close to considering. this. That is all That was all We are. not going into debt for Down syndrome. Mona Lisa. We're not. I'm sorry. We're. not. >> It's a self-portrait. Come on. And then.

the plants, they'd never die. So, just. make them. >> I have nothing against Legos. I don't. really give a what uh adults do. There's. nothing wrong with labels. You're going. into debt. And are we surprised that you. can't get a girl to meet you? Aren't we not surprised? Do you have a. dating profile? >> I made a Tinder when I got here. >> When you got to Austin? >> Yeah. >> Well, we will review that in the post. show with our dating expert, B Dog. [laughter]. >> I don't know if I want his input. I know. he went out with a kid recently. >> It was an accident and it was.

>> same thing. >> He tried to get her home safely. I. >> instead of abusing his position like you. would. >> Abusing my age isn't abusing a position. >> An age isn't a position. It's constantly. changing. >> She tried to grab his dick when he was. trying to get her home safely. Are you. saying you wouldn't allow that? I know. for a fact you and your situation would. allow it. >> No, I've I've been around kids. I don't. let them just in. >> It was in his car. >> Same effect.

Dependency. >> He acted very appropriate. I cannot say. I have the confidence you would do the. same is all I'm saying. Hip hop credit. What's going on? Uh that that that's. kind of my kryptonite right now. It's. what I use more than anything. Uh just. because. >> There is no way you have not gone. for a happy massage. >> I actually haven't. >> Come on. >> I really haven't. The two people I've.

ever asked that to in the history of the. show, I know for a fact have and both. say they haven't. >> I really haven't. Like I I had a friend. I had a friend at my work who said that. he'd go to them and but I. I re I genuinely have not. >> I have heavy doubt. >> If I did, you'd hate on statement, wouldn't you? >> Not necessarily. >> Happy Funtime Place, happy ending place. >> Is that how it works? I. >> You never know. You don't ever see You. don't see a massage on there, though. Okay. Well, you can get a massage.

There's nothing wrong with getting a. massage. >> Yeah. Well, I'm just saying you won't. see one on there. >> Well, maybe it wasn't in this month. I. mean, I got 250 bucks in my pocket. >> They say on the statement, "We do. illegal behavior here.". Okay. So, PayPal credit. Yes. Continue. >> Uh, with, by the way, fees. Great. Why? >> It was A LATE FEE. $41 LATE FEE, [ __ ]. WHY? I just didn't uh watch my money.

close enough. >> Why? >> And I had like bunch of payments come. out at once and that that was on. automatic payment. >> Then that happens every time if it's. automatic. So you should have been able. to expect it and you know that would. coming. I I'm I think that was when my. car was getting worked on and they were. char they made me pay like $300 for. electrical diagnosis. and I just didn't I just like you said I. don't have I don't have a savings or. emergency fund and that's kind of where. I'm kind of going back and over and over.

and constantly at like the limit of. where I. >> The minimum payment is 41, right? >> Yeah. >> You couldn't make a $41 payment. >> Not not when that late payment came. You're hitting You're going that low in. your checking account, bringing in. $6,300. a month. >> when whenever I have an emergency. Yeah. >> How much was the emergency then? >> Well, it was so electrical diagnosis. >> Yes. How much? >> And they charge like $300 for it. >> Uh VA did not cover. >> for electric for. >> I don't know. What is it? Wait, what was. it? >> A car. A car.

>> Oh, it wasn't. >> my journey. My journey. My Dodge. Journey. >> Sorry. I thought it was something. medical. >> No, no, no. It I. >> 300. So you 300 make makes or break you. making 63. >> without emergency fund. Yeah, >> it's not about an emergency fund. You. should have, you know, you should have a. little bit of fluff in your checking. account. >> So $300 payment popped up and that was. an emergency that pushed us to the. brink. Yet in the same month you spent. $47169. going out to eat. Make that make sense.

Make that make sense, Mr. Tony. Make. that make sense. >> Some people like some people like the. fluff. I got to keep the fluff on, you. know. Got to got the minority. Got to be. more obese, you know. >> The minority like the fluff. Unless. you're getting yourself a feeder. >> Cushion [snorts] for the pushing, you. know. >> Nope. It's not good to be fat. >> As a fat man, >> it's not good in any way whatsoever. There is no benefit. >> I've lost like 30 pounds. >> Not in health, not in age, not in.

nothing, not energy. There's no benefit. >> I've lost like 30 lbs in the past few. months. >> That's good. certainly wasn't because. you spent $500 going out to eat. You. cannot tell me that you were late making. a $41 payment because you had a $300. emergency pop up when you spent. basically $500 going out to eat. You. cannot tell me that. is. no sympathy. You would have sympathy. with me if all the money coming in was. going to minimum payments and minimum.

payments and living expenses only. survival and then something hits that. you can't afford. That's an emergency. Yes. But that's not how this worked. You. spent $500 going out to eat. That was. the choice. That was you. >> The McDonald's fries are pretty good. That's what I'm saying. >> I love them. I'm [clears throat] a. fellow FF. >> Especially when they're they're like, "Oh, buy $20 worth of stuff and then you. get fries for free." It's like, "All. right, there we go." And then everything. you buy there is like $10. >> Shut the up. There is no sympathy here.

You were choosing that. You cannot. complain. You cannot complain about a. $300 purchase stacking up. Miscellaneous. [ __ ] alone. Those could be video. games. They could be Pokémon, Legos. That was $600. Double what you said your. emergency was. That put you in the. ground. So, you we're talking minimum. And we have other large purchases in. unknown shopping that we're going to go. through and find out if it's bull of an. additional 1300. But either way, [snorts] either way, you had AT MINIMUM.

at minimum. $1,100 of [ __ ] minimum. And you're. telling me $300 is what destroyed our. life? You that is immature. That is. irresponsibility. That is not owning up. for our own actions. That is not acting. like an adult. That is a loser who was divorced because. he couldn't keep his hands off his wife. 5 years ago and stop his addictions and.

now can't land a single date going out. and coping with his life. >> I've had dates. >> Did they know? >> I mean, it's not something you talk. about on a date. At least not the first. date. >> Uh-huh. Talking to a girl at a bus stop is not a. date. 35% interest rate. This is insane. This is insane. This is disgusting. This. is unacceptable. You are late on that. You allow this in order for you to go to.

Mickey De's and get some Legos. This is. not a life that you deserve as a human. on this earth to have. But it is the one. that you are choosing to live. Choosing. to live. Again, if everything was barely. breaking even cuz you were just doing. necessities and nothing else and you. weren't around, you would have my full. sympathy. Full sympathy and I would cry. the tears with you. But you are blowing. a minimum $1,100 on bull. [ __ ] over that is a sixth of your. income. The bull.

and you cry to me about a $300 payment. You. capital one business. Yeah. Big business. guy. What's your business? Is this the. car repairs? >> Yeah, I I actually I did make I did make. a a LLC. >> LLC. Great. Really? >> Uh I I use that card to buy some tools. basically. Like uh. >> Oh, you have $150 a transaction. What's. that? >> Um I think that was for uh.

Pesty. I They had a yearly subscription. >> What's a Pesty? It it's like a bug uh. control like they basically a treatment. system for your house so that you could. keep like I was having ants come in my. house and I use that card a a year. before that transaction to pay for it. >> Yeah. $1,51.98. with a minimum payment of $50 $35.34 of. interest acred only making the minimum. and without purchasing of which he do by.

the way this would take 15 years to pay. off so much longer than that. it. Well, it has a Pesy has a yearly subscription. plan and I just forgot to cancel. I did. cancel, but. >> good. I mean, it's as easy as that, big. guy. But you obviously spent more than. just $150 recently to boost it up to. this $1,500 to your business. That. doesn't make money, right? Right. Right. >> Right. >> I don't want to hear it again. >> I got a welder though, so you know, I. I've used it a few times. >> Buddy, if you want to actually make some.

money somewhere, I'll get you a course. career certification if you look for a. change in a career field. Lots of people. in our audience have done that and it's. boosted their income and they change. jobs. I'll do that for you, but what the. is this? Your business isn't a business. It's a hobby and you're justifying it to. spend money on interest recurring cards. that you cannot pay off. I don't want to. hear it. Well, I I actually I since I. was in the VA and I have disability, I. also have the GI bill and I would like. to get to the point where I could. actually utilize it for. >> What's that point? >> Uh. >> what do you view as being that point?

lower payments and um kind of have. >> How can we get there if we spend $1,100. minimum on [ __ ] likely approaching. 1,500 to 2,000? >> Tighten up and stop buying Legos. >> Sure, but you don't. So, you haven't. been. And so, you already know what you. want to do, but clearly that is not what. you care about. You care about the. literal $5,000 sitting in your Lego. >> I know that Eiffel Tower is calling my. name right now. Honestly, that Eiffel. Tower is really calling my name. >> Why do we care about the Eiffel Tower?

There's a fake one in Vegas. >> It's France, you know, homeland. Got to, you know, enjoy it. >> You were born in France. No. >> Shut the up. >> I mean, you told Colton you were. literally you're going to buy it in the. green room. You like you are going to. buy. [laughter]. >> I said if if I'm going to yelled at it, I might as well buy it. >> What? That makes no sense. Explain that. cuz that makes no sense to me. I just I. it's I it's just uh. if I'm gonna get yelled at it, might as.

well buy it. Not there's no point to get. yelled. >> You just repeated it again. >> There's no point. There's no point in. getting yelled about it if yelled about. it if you're not just going to do it. anyways. >> Huh? If I'm going to get yelled about. something, I might as well do it. If I'm. going to get arrested for something, I. may as well do it. What are you like? What What is this logic? I don't if I'm. getting in trouble for it, why wouldn't. I just do it? >> What is that's that's the reason that's. not the reason, but that's certainly a a.

negative consequence of doing something, meaning it would be a reason to not do. it. >> Yeah. But then I could also get the. dopamine of building it and having it in. my collection. And I could put lights on. it and make it even cooler and then, you. know, maybe do some uh field trips in to. show it off. You know, >> based on everything else you said in. this conversation, this is not making me. feel good about you leaving this. building. >> $1,457.91. on this proform financing. What is this.

proform financing? >> So that that's actually a treadmill. ever used or put together? >> Yeah, it's it's in my garage. I have a. little So, my house has a threec car a. three bay garage and one bay I have a. weight set and then my treadmill. The. other bay is the rat rod and the last. bay is where I have like my tools. So, yo, $1,457.91. on the treadmill. Must be a pretty nice.

treadmill with a $45 minimum monthly. payment. Now, this is interest free. Is. there deferred interest? >> No. As long as I make every single. payment, it. >> have a second page. >> As long as I make every single payment, it'll be uh interest free, >> which I the reason I kind of. >> equal 39 payments, >> which that's kind of the reason. Okay. Yeah, that is true. >> That's kind of the reason I went for it. is because I was already paying for a. gym membership and. >> Yeah, sure. I get that. But here's the. thing with you. The fact is you're just.

adding more debt to the pile, more. minimum payments to the pile that you. can no longer control. And with that, again, remember you have a $45 payment. here. The $41 payment from the PayPal. credit you missed. Like adding more. minimum payment, a gym, you can cancel. You can go on walks. I would like you to. have a gym. Absolutely. But worse comes. worse, you can get rid of it. You can't. get rid of this. You can try to sell it, but you're not going to be able to eat. the entire amount. So, with this, you're. just adding more to the pile of minimum. payments that you cannot control, and. it's going to you come time for another.

$300 payment to hit. >> it. It It's also got a 4-year warranty. on it. So, if anything, >> I don't give a. >> Listen, a gym doesn't have a warranty. It doesn't need a warranty. They'll fix. their This makes no sense. This is You. are obligated to pay it legally. contracted $1,500. You can cancel a gym. Now again, I want you to go to the gym, but you're in a situation where you. literally told me you couldn't make a. $41 minimum payment on the PayPal. You. were late on that. Why would I want and. advocate for you adding a $45 minimum. payment from this pro form financing, even if it is for an item on a payment.

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I I figured it it would be worth it in. the sense of having the availability. just oh go out to the garage, work out, go. >> Sure. But you can also run outside or. walk outside as well or jog outside. whatever you're doing on the treadmill. >> It's just easier. Also, you're in Poria. It's not even that hot. >> It's been pretty hot. >> It's not hot. I am from the Midwest. Shut the [ __ ] up. You don't know hot. You've never heard hot in the It's. actually my garage cooler because of uh. >> No, it doesn't matter. You are not hot.

outside. It is okay. Go run. >> 90° is pretty hot. >> Oh, 90°. Oh, sounds like a nice fall. day. Shut the up. >> No, 70° is a nice fall day. >> Exactly. That's what I'm saying. It's. not hot there. Shut up. You're fine. People run here at 110. I got a bad hip. It just makes it easier having this. smooth which I can vibe with but then go. to the gym to do it again. You can if. you cannot afford a $42 minimum payment. You cannot afford this. >> It is good financing. It is a good. purchase.

The gym membership is 30. So 45. >> which you can get out of when you need. to. And 30 is cheaper. I don't know if. you know how numbers. >> it is cheaper but long-term 45 I would. have that and on top of the 4year. warranty it just ensures that a. long-term investment shut the up affirm. what is going on I here you were not. able to pull it up as my document says. he couldn't figure it out. what the what is even the the affirm so.

um my sister actually asked has been. asking me to take her to a Billy Isish. concert. and uh so basically I I just affirmed. the tickets and the whole basically the. whole travel plan. >> 1,200. >> Yeah thing. >> pretty much. Uh well so. >> she's great. I've seen her in concert. You can't afford it. Your sister I don't. care. >> The the concert was like 600 and then. basically uh that that's the flights and. the Expedia package.

Where's the concert? >> Florida. Uh Miami. >> Why'd you go to the Florida one? Do. something closer. Also, you can't afford. it. And listen, again, we all love Billy. Eyish, especially us Gooners. They are. substantial, but you cannot afford this. in any way whatsoever, especially for. double people. >> Um well, we're actually bringing her her. boyfriend's daughter with us because she. she promised her that she would my. sister promised her. >> Did you pay for that? >> No. So, >> but you paid for your sister. I paid I.

paid. >> I paid the majority. >> How old's your sister? >> She's 26. >> Q. She can pay for her own damn tickets. You can't afford this. You can't afford. you going alone. >> She She actually gave me uh $800 towards. the total. >> Great. You still can't go. You. shouldn't. This is not something you can. do. >> I want you to have these experiences, but not when you've done everything in. your life to just live for fun now and. pay for it later. Now is later. You. can't do it. You're still paying for. your McDonald's from 3 years ago. Like.

this doesn't make sense anymore. This is. what a responsible adult does. Sacrifices. >> She's been asking to go for like the. past. >> She can go then. She can go then. >> And uh. >> she can go then. She is she. >> We have the same mom. So probably. >> she's 26. She can go herself. She can go. with I hear she has a boyfriend. That's. the rumor I heard. >> He He's not He doesn't like do going to. social stuff. >> Doesn't matter. She can still go and. with the kid as well. >> Um yeah. Well, and it's funny because. when I landed in Dallas,

>> that's hilarious. >> She uh messaged me saying that she wants. to go see K at at some point. >> I don't I still don't care what she. wants to see. >> Why does she want to see matter at all. in any way whatsoever? You are not her. You are not her father. You are not her. boyfriend. I don't give a if you can. afford it, then you do it and we. celebrate that. You cannot. You are. still paying for Pokémon literally over. 5 years ago. So, I do not want to hear. this. K. Shut up. Well, she she's done a. lot for me. I'd rather just, you know, enjoy. I want to spend time with my. sister.

>> Spend time with your sister. You do not. need to spend $1,200 to spend time with. your sister. And if you do, she's a bad. sister. >> Well, it's either that or we go out and. get plastered on Everclear. So, you. know, it's a one or the other. >> You can't go to a park and enjoy the. sunset. >> No. >> It's easier to talk and have a have a. conversation when you're drunk. >> Oh, your life sucks. What's your minimum payment to a firm? >> Um, I think it's like $200 because I did.

the zero interest if paid in this amount. of time. >> Reminder, you can't make a $41 payment. So, we'll see how this goes. Especially, look, now we have another. substantial minimum payment. This must. be the truck, right? >> That's the truck. >> $4,648.77. >> That's the truck and roof repair. >> What? So, when I was going through the. roof repair or when I was looking into. it, they they offered to give me cash to. put towards the truck to make the. payment for the roof repair more uh. feasible. >> How much is the roof repair cost?

>> Uh 23. and then they gave me 17 to pay towards. my truck. >> What's the truck worth? >> Um I I actually took that day. >> I actually took it in to see if I. couldn't uh sell it and they they said. they'd give me eight for it. Yeah, >> you owe $40,000 on an $8,000 truck. >> Well, it's the roof and the truck. It's. the roof, >> but the debt is likely tied to it. You. have a $40,000. debt lean on an $8,000 truck. That is.

insane. >> I don't know if that that debt is leaned. against the truck because they didn't. they don't have the title. >> What's the interest rate on this? >> 15%. Oh, for something we are underwater on by. $32,000. $32,000 underwater. We're underwater by. over. >> the the original. >> Shut up. 75% over that. And then we have. a 15% interest rate of death on that. Oh.

my gosh, guy. Oh my goodness. What have. you done? The original interest rate on. the truck when I first got it was like. 18. So I saw 15. I thought it'd be better. Oh, and you're considering solar. He's considering financing solar. >> You live in the Midwest. [screaming].

>> Clouds. >> They they did the uh clouds. They did. the service and they said I could. >> Yeah. The salesman said what? What did. the salesman say? >> Uh $150 a month at 2.5% increase. >> Okay. >> For leasing the solar panels and they. would repair the rest of my roof. basically. >> Uh-huh. Uh-huh. Okay. Now, Mr. Bad Dog. Brandon, the one vetting your profile, the translator, you know him, you love. him, sold solars uh door to door at one.

point. Please tell us how good of a deal. is he getting. >> You're getting [ __ ]. >> Do not consider this. Do not consider. this. He literally sold this product. He's doing the exact He did the exact. same job that you are being sold to. >> My My electric bill is like $300. >> Oh my goodness. He fell for every. talking point. He fell for every talking. point. And he's now pariting them. Dude,

are you kidding me? Solar can be good. If you're in Arizona or Texas or. California, YOU AIN'T. YOU AIN'T. You. tit. >> The roof repair is the main reason I was. interested in it because. >> your roof has been repaired. >> Well, no. That that that loan was for. like a se my roof is huge. Like there's. multiple layers and multiple angles. And. so the solar. >> You have a McMansion. Well, how many. square feet you got? >> I don't I don't know the exact How many. square feet you got? >> I don't know the exact square feet. ish. >> How many bed? How many bath?

>> Uh, it's three bed, two bath. And. there's also another room which I would. consider a bedroom, but. >> it's an office probably. >> It It's a pretty good size though. You. can fit a bed and it's an office. >> Yeah, I use it as my. >> Okay. You probably have like a 15 to. 2,000 square foot, 1500 to 2,000 foot house. Your roof. isn't that crazy. >> If you saw it, you'd understand. >> And it probably has weird McMansion. crevies. Yeah, >> you'd understand. If you saw. >> I get it. I KNOW. I AIN'T NO HOUSES. But. basically the they said that they repair.

the whole garage roof and then the. basically anywhere where the solar. panels were going which is my garage and. then the. >> You're getting these [ __ ] solar. panels. >> No. >> Oh my goodness. No, you're convinced. You're sold. You've been sold. >> I was in the process of actually doing. it and then they canceled it and I think. it was because of the tariffs like. because when you know. >> they canled. >> I think so because I just looked at it. and it said uh pending pending pending. pending and it's been like that for the. past like two years. >> Good. Let it be pending forever. Please, please.

15% on a car. We're underwater by over. 75%. Disgusting. Disgusting in every way whatsoever. Another Navy Federal. This looks like a. personal loan, right? What's this for? >> I think that that might be for the. >> the what? >> For the truck. >> The debt on the truck. Well, so like I. said, the the roof repair loan, they. gave me 17 to put towards the truck, but. I still had 4,000 that had to go that I. needed to finance and I wanted to get.

out of the loan that was in with a. different bank than Navy Federal. because it was at 18%. And so I went to. a lower interest rate. Ladies and. gentlemen, this is one of you. Every single person. who comes on the show, watches the show. and is from the audience, this is one of. you. This is your neighbor. This is your. friend. This is your family. We do not. talk about personal finances in this. capacity in this country. This is what. people are doing out there. This is the.

most This is insane. What the actual. potential [ __ ]. >> Well, that's part of what ruined my. marriage is not talking about finances. >> Yeah. Yeah, that's that's what it was. >> I said part. >> Mhm. Yeah, [laughter]. that was hurt. That was hurt. >> You like your gamer subs, >> ladies and gentlemen. Huh? >> Like your gamer subs. >> I like gamer subs. You can have normal. >> Yeah. >> Look, it's Charlie's goof juice. >> You picked the most You picked the most. mundane one over there. >> She drinks gamersubs.gg/caleb.

Link below. You can also get free. samples to see if you like it. More. affordable than your dumbass gas station. purchases for like $5. This is like. making your own coffee at home and it. tastes better. I do promise that. Yes. Yeah, it's okay to be a little gooner. But guys, ladies and gentlemen, whatever just happened to good old. classic, just sit down at your computer, open up. the screen, get a just a nice big fake.

pair of tits from probably like a. 32-year-old woman pretending like she's. 25 with a dude who's like 80 pretending. like he's 60. >> So, like type. Yes, exactly. Okay, you're parasocial. [laughter]. Whatever happened to just classic? Why. do we got to bring tentacles into. things? Why do we got to bring Why do we. have Jeffrey Jeffrey Epste's island, man? >> I don't know. I feel like better to. answer that. >> People just want to ant up the ante. constantly.

>> Guys, just jerk off the regular. >> Please. No tentacles. I don't want it. Come on, man. Don't say that. Don't say. that. Do you guys know what that is? [laughter]. Do you guys know is what he's saying? It's drawings of children. >> No. No. >> 500year witches. All right. They're. immortals. >> Don't do this. Don't try to do not do. defensive. >> Listen, I've made crazy jokes in my.

life. I've made crazy jokes in group. chats. Listen, I've gotten cooked for. them, but they're jokes. You are going. too far on this. This is crazy. This is. absolutely crazy. [snorts]. Okay, so truck 2.0, I guess. [sighs]. $4,824.99. The minimum monthly payment of $92. This.

is going to take forever to pay off. $92.18. Yeah, I think it's uh that low because I. got the longest term [laughter] and an. 11% interest. >> Wonderful. >> Mortgage. $142,544.58. [sighs]. 5.25% interest rate. Not Not bad. Um,

>> it was originally like 7.125 and. >> you refinanced. Yeah. Or you bought. down. Okay. >> I refinanced to the 5.25. >> It's interesting. $1,18742. >> Type in your address, big boy. Yeah, you'd pretty much break even if.

you sold today. Except not really cuz. you have the closing cost on a credit. card. But you'd break even after all. fees and realtors and [ __ ]. >> Well, Zillow always goes more than it's. actually worth. >> Yeah, Zillow gets a little excited. Not. a bad house though. It's It's cute. His. roof is not that crazy. It's just It's a. couple layered roof. And he tried to. make it sound like something insane. >> Well, it almost goes, >> buddy. It's a roof. >> It's got angles. >> A couple different It has angles, guys. His roof has angles. >> More angles than a 13year-old. Come on, man.

>> It's aing house. Calm down, you tit, dude. You t It's not a bad house. You'd. break even today, so I'm I'm okay with. that. Okay. It's a cute. cute house. 419 in our checking account. 414. Five in savings. It's not good. ATM withdrawal. Who knows where that. went? $23. Stopping in the gas station,

getting $3.19 of what? >> Probably an energy drink. >> Exactly. That's why the Gamer Subs, DUDE. THE GAME. IT'S 25 cents a serving. What do you Which one do you want? Which. one do you want? >> I don't know. I don't know what the. flavors are. >> Um, >> whichever one has the biggest boobs, I. guess. >> Well, this one's incel tears, which he. desperately has and needs. This one's. very good. I tried it the other day. That's what I took home with me. Um, that one's yummy. >> There you go. You can make it right now. You can shake it up. >> Go ahead. Put it in.

I should try it. >> 25 cents a serving instead of your. stupid $4 purchase. >> Well, actually, I have a Costco. membership, too, which I've been getting. a Lani from Costco. That's good for. buying a bulk. This is still cheaper, though. It's like making your coffee. instead of going to Starbucks. >> Yeah. Give it a good shake. Give it a. good shake. Hey, I stopped in. Got some more. [ __ ] Give it more of a shake, dude. You got to shake for like 30 seconds all. over the paperwork. >> Well, it's cuz you're a messy. That's. Those are incel tiers. >> Sloppy is good, man. Sloppy is good.

>> Sloppy toppy, >> buddy. You haven't been near a mouth in. a long time. Champion Express. It does smell good. That's the That's. the tropical one. I really do like that. one. Amazon Arby's. Good. >> Yeah, really good. >> Amazon Arby's. Listen, they're Goon. They're Goon, but they are actually. really yummy. Venmo. Legend. Legend of something. No. Legend. of Slime. That's That's a mobile game. >> You're buying in at Mobiles.

>> Yes. >> Off Champion Express. Amazon going in getting an energy drink. You take that. Going in and getting an energy drink. McDonald's. You got premium. Amazon. going in getting some [ __ ] Bumble. dating. Yeah. So, you got Bumble, too. >> Well, no. Uh, you're paying for it. >> Well, when that girl like uh deleted me. off everything, I just deleted it. I was. like this. and I I anytime I get. >> Steam game going in getting an energy.

drink. More Bumble car wash. Come on. It's not even winter yet. YOU AMAZON. SONIC CAR WASH YOU. IT'S NOT EVEN winter. yet. There's The Legend of Slime again. Ghost invite. It's another inapp dumb. game. Stopping in getting an energy. drink. Another inapp game purchase. Sonic. Another inapp game purchase. Ghost invasion. Energy drink. Energy. drink. Energy drink. Car wash. you. It's. not winter. Going in and getting some. [ __ ] Ultimate Microsoft. Microsoft. Ultimate. Spotify.

Uh, going in getting an energy drink. Going in getting an energy drink. Prime. Video. Ghost Invasion. Snake Crusty. something. I don't know. It's another. inapp game. Zingga, you got the inapp. bull. Winning got some [ __ ] from the. gas station. Amazon. Ghost invasion. Ghost invasion. Ghost invasion. This is. sad and disgusting and depressing. Getting an energy drink. Culver. Now. that's good, but you still can't afford. it. Kobe revolving sushi. Kobe. Uh,

Legend of Slime or whatever. The Amazon. I think you rented a movie or bought a. movie and then Legend of Slime. Legend. of Slime. eBay going in getting some [ __ ] and. then pub 60 bucks. Crazy. Again, listen. Get whatever you want. [snorts]. Get get whatever you want. Okay. We'll. send you some gamer subs or something so. you can stop going and blowing hundreds. on this. Okay. >> Okay. >> 10% off link in the description below. Or get your free samples. Type in code.

hammer. Retirement surprising. at $8,179. Is that the company you work at? >> Yeah. >> The car one. >> Yeah. >> Oh, that's cool. We're bleeping it for. the name, but I know they had a factory. there, but it is the rust belt. Well, it's in it's in that's where the factory. is specifically. >> I'll be honest, many things you've said. in this conversation have been. concerning. Um, and the way you had a. relationship with your ex is concerning. And then just everything that's just.

it's all concerning. >> That's why I'm single right now. >> Part of the reason. >> Okay. 6,300. We're putting for the. income. All right. Debt payments. Navy Federal Credit. $48645. PayPal credit $41. $50 for the Capital. One Business, $45 for the ProForm. financing, $200 for a firm, $641.91. for the truck and a roof. And then the.

truck 2.0 is $92.18. Uh, and then we'll do the mortgage. separately. But your debt minimum. payments not including mortgage is. $1,566.54. Then our mortgage is sitting at. $1,18742. Now utilities and everything combined, internet, utilities, gas, electric, what? How much? >> Um I think it's like. 500. 400.

>> I'll do five. Phone bill. Uh 80. And I. actually I um. where I work they offer a phone like. stipened or like basically like. >> do it. I do I do I do like if every. month I have to submit my bill and. >> that's included in your pay. >> Yes. I think it's 80 bucks. >> Um and remember uh we did include the. rent that his roommate gives him and. that 63 that comes in. So hopefully that. person doesn't leave or else you get 800.

bucks. But either way gas room from. drive drive. How much a month? >> Uh, probably like 100 bucks if I had to. guess. >> Okay. He's just sitting inside getting. inapp purchases all day. >> Minecraft, man. I'm playing it. constantly. >> Oh, we know. Car insurance. >> Uh, I think it's like my last bill is. like 120. >> Okay. You can do $300 of food, groceries, meal plan, cook a few times a. week, warm it up, lots of overnight. oats. You're going to be doing good, yummy things. It's all healthy. It's.

three meals a day, plus snack and. dessert. You'll be fine. Meal prep. >> I actually got overnight oats from. Costco because they have like a bigger. box. >> Okay, that's probably a more expensive. way to do it, but we'll see. $100 for TB. fun. Anything else you need to survive? Medical or healthcare? You have co-pays. and stuff to do? >> I have VA uh medical. So, >> okay. >> Besides like. >> subscriptions, let's try to do 50 cuz. you got some games. Do you have any. pets, please? No. >> I have a dog. >> Age and health? >> Uh he's five and he's he's pretty good. >> $50 for pet insurance. How much for dog.

food? Uh, I'd say like [sighs and gasps]. 30 bucks a month. I just get a big. >> Anything else that needs to be in your. budget that I have not taken in account? >> Um, I don't believe so. >> Okay. Well, we got wiggle room for days, meaning your debt situation is. absolutely moronic. So, $4,83. So, what I will do is give you what is. that? $417 416. for fun in your budget. Oh,

>> which brings you to 4,500. 6,300 divided. by $4,500. That means you have an extra. $1,800 even after fund because you being. in this debt is the dumbest piece of no. reason for you to be in debt. >> I might be able to get the Eiffel Tower. with that. >> Shut the up. You have $72,000 of bad. debt, $1,800 a month to put towards it. It takes 40 months to pay off. That is. not that bad given how substantial the. debt is. It's just over 3 years. Call it. four years when we get the entire uh. emergency fund and everything together. Give a little wiggle room there. You're.

totally f dude. This is going to be a. little bit of a grind, but I gave you. fun money. [ __ ] off. [ __ ] OFF. [ __ ]. OFF. WELL, I I I actually got in an. argument with a friend about uh about uh. wanting to like tighten down recently. because I told him I was kind of looking. at jet skis and then he started buying. jet skis and said he was really looking. forward to me buying his jet ski from. him and I was like I can't and I got in. a little bit of a confrontation about. it. >> Great. Well, maybe we'll talk more about. that in the post show. We're also going.

to call his mom in the post show and do. the dating app uh do the dating app. audit as well. But let's get his hammer. financial score. Hammer financial score. spending a budget. Overspend. 0 out of. 10. Debt, no collections. He could pay off this debt. He's being. moronic with it. And he missed the. payment, but it's a two out of 10. debtwise. Emergency fund. There was. nothing. 0 out of 10. Retirement. definitely behind for your age, but at. least you got something there. I'm going. to give it a 2 out of 10. Real estate. Real estate. Yeah. I mean, you're break. even. You don't have an incredible. equity position. You still got to do. some things to the roof, it sounds like.

So, I'm going to give it a 6 out of 10. because of some things you just got to. take care of and then get more of a. position in the marketplace. It's going to be a Hammer financial. score two out of 10. Take yours at. Caleb.com and now click join. See an. extra 20 minutes of this episode by. subscribing to Hammer Elite where you. get three premium shows posted every. single day Monday through Friday, including this financial auto show. See. you there. There's a protective order. against him from his wife. Literally, the most I did after we had separated. was I left her stuff at her parents. house.

>> For her to say that she feels in danger, >> this is insane. Hammer Elite is the best. YouTube membership on the platform and I. just upgraded it. Three exclusive. dedicated shows every single day, Monday. through Friday. Join with the link in. the pin comment or description below. This is the best membership you'll ever. join. That's a [music] promise.