The Biggest Gold Digger In Financial Audit History

So, this is the kind of guy that knocks. up his girl, isn't it? >> Good he is good. >> He's basically falling off the edge of. that chair. You like you're giving hand. jobs in the back for the money. >> Uh yeah, I don't think that was taking. place. >> It is. It sure is. I had um a regular. We would go to a hotel. >> What did you do at the hotel? >> It was fun. >> What is it it take to get through your. head to stop doing this? >> You better be buying me a yacht or a. house. >> So, it's concerning that you felt the. desire to put your hands on her.

>> I was literally on the brink of like. I've never wanted to physically hurt. her, but I was like. >> something you should have to clarify. >> Well, it's it's getting to that point. It's getting to that point. >> To want to physically hurt? >> Yes. >> Absolutely. My official Gamer [music] Supps flavor. is finally here. Liquid Assets is just. 40 cents a serving, less than 1 calorie, and tastes like raspberry apple. [music]. Why wouldn't you want some? And if you. use code Caleb, you'll get 10% off your. entire order. Just 10% Caleb? Oh, relax. because it does get better. [music] But,

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>> Uh okay, cuz she has big tits. You sugar. baby here? Is that what's happening? >> Uh yeah. >> I mean, he pays all my bills and I. him, so. >> hope it's love. >> Yeah. Whole lot of love and lots of. >> I would hope so because. >> love. >> Okay, sugar babies usually look a little. different. Um but Okay, [laughter]. yes. >> to. When I caught him. >> Huh? >> When I caught him because we've been. together for 10 years. >> him doing? >> I, you know, you put it in, you reel it. in, and he's not he's mine now. You.

catch him. >> Ah, cute. Oh, how many years? 13? >> 11. >> she said? 11? >> 11. >> Yeah, 11. >> Oh, very good. We're married? >> No. >> Okay. Why? Oh, congratulations. When did. you pop that question? >> Oh, god. She knows more. >> ago. >> 3 years ago, yeah. >> What the Why why have we not closed that. knot? >> Ask him. >> Uh. >> Okay, I'll ask you. Why have you not. closed that knot? >> Benefits. Health care. Things like that. >> What about What was the impact that you. have been told? >> Uh well, I would think that I.

>> You would think you have a lot to gain. >> But, um we have six dependents in the. household, so. >> So, okay. >> Actually, >> But, if she doesn't make anything and. you guys get married, then your. household tax liability actually puts. you in a like a. >> It It should. Um. >> Okay. >> Previous years before now, >> Tyrone? >> Uh I run a lawn care company. Um this is my first year like on my own. doing it. >> How many employees [clears throat] do. you have? >> Just me. Just me.

>> What do you make? >> Uh. safe side, 11, 8 a month. >> Oh, okay. Not bad. I was going to It's. kind of concerned. I mean, yes, lawn. care is. >> seasonal. >> Yeah. >> It certainly is. But, so that that safe. side, is that consistent throughout the. year? >> No. >> Okay, so. when you say that's the safe side, is. that going to be like the average across. >> It It It's I. >> Up and down months? >> lower on the lower side of the average. just to be safe. Like, I have a lot.

>> What's your low months? What comes in. low months? >> Uh. like 10,000 11. >> in high months? >> Uh well over 12. >> Okay, so I mean, it's. That's actually not a huge range for low. months, high months. The concern. >> Um. >> Oh, no. During winter months, it's like. half. But, I have to find different. >> low months, >> Okay, yeah, yeah, yeah. I thought you. meant like during the lawn care season. >> Why would I say that? I low months. >> So. >> Why would I want to know the low of the. high? I said the low. Give me the low. >> If we're going to average, it would be. like 4,000 probably if you take all 12.

months. >> extra work? What is that extra work. during the low months? >> Uh last year I did junk removal. I did. spark on the side whenever I wasn't work. doing that. So. Okay, so you do a lot of Okay, just. >> Yeah. >> random things which I. >> Anything I can do for work. >> Yeah. >> There was a concern with you, Mr. Tyrone. One, that fake name. We did not. assign it. Two, didn't realize it was. you. I knew I was going to be filming. with this individual eventually. I was. just hearing murmurs for a couple weeks. You were desperate and really trying and.

begging. to do blackface on here. >> Yeah. >> What the And no, we did not allow. that. The we we we I have like almost no. limits, but I would get called out for. platforming someone doing blackface. >> Yeah, it's crazy. You have You have no. limits and you wouldn't let me do. blackface. >> Well, cuz I would get called out. Could. you imagine my sponsors seeing someone. do blackface and me treating them like a. normal person? Why the did you want. to come on here and do blackface? Uh. you're in St. Louis. I can guess what at. least a large percentage of your paying.

population is. >> Uh. Well, I was going to be anonymous, you. know? So. >> So I figured I mean it's an anonymous. It's an anonymous name, but it's not. like your face. I mean, dude, you got a. battle wound. >> Yeah. >> Like we know. >> Yeah. >> People probably know who you are. That's. not a normal thing we see. What did you. do blackface walking in the hood and get. a bullet in the flip? >> Uh no. No, this is actually cleft lip, cleft palate. Uh but so. my thought was if we you know going to. do white makeup, why not just do black.

makeup and make it a little bit more. fun? >> Not afraid of any consequence. >> No. >> Mr. Pooper is very disappointed. Here's. the thing. >> I'm thinking about things analytically. And I know that that's going to get like. you said, you know, you might get. canceled from it, but think about all. the. >> Yeah, you're not worth me getting. canceled. >> Any publicity is good publicity, right? >> No. >> Oh. Well, >> Not when I lose all my sponsors and uh.

I mean, cancellation, like no one really. cares about people who cancel people. anymore. So, they probably wouldn't have. much of an impact, but even still, I. don't even I think it'd be reasonable. reasonable, finally, for the first time. almost ever for sponsors to actually. have an issue with that. >> Well, >> it's blackface. >> Yeah, I did talk to a buddy of mine. after it got denied. He was a black guy. and. I pitched it to him and he was quiet for. a minute and he goes, "Yeah, that's. racist." And I was like, >> It's just not the best. What was your. take on that, Shelby, when he was.

begging us begging us to do blackface on. Financial Audit? >> To me, that's just he doesn't give a. what anybody thinks. He doesn't. give a. what who says anything about him. >> And you like this? >> It depends on what we're talking about. This particular thing, no. Um Facebook, for example, he likes to just if it. comes to mind, he's posting it. Um and. I've had, I mean, family members contact. me about it, friends contact me about. it. People are like, "The he says. on Facebook is absolutely wild. You need.

to calm him down." And I'm like, "Nobody. calms down. He is who he is. He's going. to say what he wants to say.". >> What's he saying? >> Um. >> [sighs]. >> What. >> Off the top of my dome, I can't. >> I can think of one thing that her friend. is still mad about and I said it what, 2. years ago, 3 years ago? I basically. said, "I don't understand how people. without kids can be broke.". And a lot of people got People do. accountability I just, you know, >> know. I mean, certainly there's other. ways. I mean, that's a conversation. It's not really like I was expecting.

something racist or anti-Semitic or. anything crazy. But you literally wanted. to wear like an afro and gold chain. This was to mimic a black person. It. wasn't just for I hid an identity. Afro. and chain, it was black. >> Woah, I just said the afro. The chain. just came with the wig. So, I wasn't. really going to wear the the chain. >> So, this is the kind of guy that knocks. up his friend, isn't it? >> It is. It sure is. There you go. >> what happened, if I'm not mistaken. I. [clears throat] mean, that's kind of. what I just glanced over and read. You. were out there showing titty, giving. hand jobs in the back for some extra. little tippys. >> A little bit. >> Well, see, knew it, called it. Didn't.

actually know that, but assumed as much. And then he impregnated you, then you. stopped working, then you got fat, and. now he's still with you for some reason. I don't know why. So, what happened? What happened there? >> I think when we actually met, I wasn't. actively dancing. Um I was in school, dropped out of school. >> Every strippers. >> We started, you know, right. We started. hanging out, and every strippers. probably a drop out of school. Um. >> Most of them. >> Yeah, most of them. Um.

to me it was more so of like a we met. and we fell in love, and I started. dancing again because. he was just like, you can do whatever. you want to do, cuz I was. >> You like you're giving hand jobs in the. back for the money. >> Uh yeah, I don't think that was taking. place. So, >> I worked at a very um. >> You didn't do any extra little. >> They have cameras in the private rooms. You can't do anything. >> They all do. You didn't do one thing. >> Hustler knows he frequent. >> I can name drop. Can I name drop?

>> Yeah, of course. I don't care. Why would. I care? >> I mean, just like the club. >> Sure. >> Larry Larry Flynt's all across the. United States. They have cameras in. those rooms. >> Okay, I'm not getting an acknowledgement. of this uh chain. >> can be charged. >> I. >> Can be charged. 100% if they find. anything out. >> Uh I'm getting a note from who I'm. assuming is Brandon and not anyone else. that he's absolutely been beat off in a. nice strip club. So, the thing is, I mean, oh, come on. No, you're not. going to be held legally liable at this.

point. This is so long ago. Statute of. limitation, all that You've. done something. >> I really haven't. Now, what I did do is. I had um a regular and we would go to a. hotel. >> Ah. >> It was fun. >> What'd you do at the hotel? >> He was like 62 years old. Nothing other. than dancing. >> You didn't. >> No, I didn't. You think I'm going to. somebody for $700? $1,000? >> $2,000?

>> Maybe. >> No. >> No. Get out of town. No, absolutely not. >> sex with someone for $2,000 if they're. >> That's disgusting. >> hot. >> No, I don't care how hot they are. Same, huh? >> If a hot person came up to me and said, "Someone was going to pay me to" I'm. just kidding. >> Yeah, exactly. No. What? No. >> If a hot woman came up to me and said, "Let me pay you". >> me a yacht or a house. >> You know, everybody likes to see a. blimp. It's just so big. You You can't. miss it. >> you say you are? is and good is good. >> He's basically falling off that to that.

chair. >> grow facial hair, so I don't want to. hear it. >> Okay. The The producers give you guys. the one thing every time, huh? >> No, I don't even hear about it. I can I. have eyeballs, so I can see. >> Okay. So, you're. weren't doing anything extra. >> Right. >> I believe it. I have no reason to not. trust her, so. >> I mean. >> Bro, you're. You're going to blackface. You don't. even know anything about You're just. like Your worldview is so broken. Your. nose is falling off your face. Like. >> No, I'm not. My world view is I just.

him, so I mean I think he would know. >> Yeah, I just. >> I mean like you can tell when a. pussy's been. Right? >> Like you can. >> Uh. That's Brandon he would know. >> Yeah, he's Everyone's shaking their head. no in the back. They've been with. vaginas like most of us have. I don't think you have a special sensing. penis. >> You could tell. >> You can smell it. You can. tell. >> If someone had sex with someone pH you. freak and someone It's If you had sex.

with somebody and then came back within. hours, you would be able to tell. Yes. >> Wow, that guy maybe. Okay. >> We have lived together for. >> Okay, sorry. I thought you meant in I. thought you meant in general. That's not. what I meant at all. >> Okay, no. I totally agree with that. Yeah, 100%. It's. >> Okay, you lost me and you brought me. back. Okay, fine. That would That would. make sense. That would make sense. In. the same evening, sure. I got you. I got. you. Okay, so you knocked up a stripper. Well done. No one's ever done that. before. Well done as in you found a racist or.

something that makes money. >> go back, honestly. I'd love to go back. >> want you to is the issue. >> And. I mean, why not? Especially if you. >> Well. >> Especially if you go back and you. save money. I mean, your standards, my. standards, little bit different. >> about the standards of those who are. paying customers. >> A naked body doesn't bother me. It's. >> Okay, but certain naked bodies bother. paying customers. >> Oh, no. Yeah, totally. That's why I'd. have to get a mommy makeover first.

>> I you go to the gym? >> Yeah. >> Okay, I agree. >> Absolutely. >> So. when did you knock her up? How many kids. we got? >> Four. Three Three with her. >> Three together. I have a stepdaughter. who's 13. >> Okay, so you have another kid. >> Yes. >> Dropping loads in your 20s? >> Yep. >> 21. >> No, this is. >> No. No. That was pre- That was pre- stripper. era. >> Ages of the kids. >> 13, 9, 3, 1.

>> Did he get it right? >> Yep. >> Oh, well done. Good father. >> I know something. >> [laughter]. >> How is he as a father? I would be afraid. he's beating them. >> So. um. honestly. >> not a good look. >> absolutely amazing um. in the standards of being a father and. in the standards of being a father and a. husband. Like he'll come home from. working 12, 14 hour shifts and he helps. me with housework. He helps me put the. kids to bed. He helps me give them. baths, like anything that needs to be. done I don't.

>> That's so weird about I have a whole. note from your pre-interview that you're. complaining that he doesn't do enough. around the house. So, what the. How are you complaining that about that. in the pre-interview and then you just. sit here and you're. That's actually crazy. >> No, I was complaining I was complaining. that he comes. >> Sorry, actually no, I apologize. You're you're right, you're right, you're right. That is. >> I was going to say that's nuts. It was. >> [laughter]. >> It was the reverse card. He was actually. complaining that you, this stay-at-home. mother, actually doesn't do anything and. you criticize her about her housework.

because. she doesn't do. >> Uh it's not not anything. I just think. more could be done. >> Like what? >> Um. dishes, laundry, everything. >> of hard working 12 hours a day, isn't. that after. >> I'm like install cameras in this. I literally don't sit down. We don't. even own a couch because he's too cheap. to buy me a couch. >> I should get a shirt that says. >> even sit down. Like. >> Cuz I call. >> That's all I say all day. I don't sit. down. So, now that my son is on summer. break and. >> Open your phone. >> Oh, well, I'm going to love this.

>> Yeah, me too. And she specifically told. me don't go through Snapchat. at the beginning, which is fine. >> square foot mobile home, okay? So, let. me let. let that sink in. How long do you think. it should take to clean that? >> I don't know. >> Okay, but you have six people who don't. pick up after themselves. There's no. structure in the home. >> six because I'm part of that six and I. clean up after myself. >> You leave your phone. >> Again, listen, I I respect everyone's no-nos, so I'm not going to do your no-no, but. you know, one of your no-nos was that I.

go through your Snapchat. I have to ask. why. >> Um. I mean, you can, honestly, but. >> was your no. I don't want you to feel. pressured now that you're on your honor, but it is a little weird. >> There's just if you opened some messages. there's nudes saved that I didn't want. you to see. >> With him? >> Yes. >> But not others. >> Right. Sure. Yeah. >> Why would there. be others?

>> I don't know. >> Yeah, it's a good question. >> [laughter]. >> Um. Okay, so. occasionally Oh, you want it back? >> Yeah, it locked very quick. >> Yes, it does. It does that. >> Okay, well, I don't want to see your. news for what it's worth. But I am genuinely curious about this. topic, but again, um okay, for what it's worth, I mean, you spend an average of 8 hours and 10. minutes on your phone a day.

>> You watch podcasts as you do dishes, as. you fold laundry, as you do anything. >> all Okay, what about Snapchat for 10. hours? >> Well, >> And is that a week? In a week, 10 hours. a week? >> a lot. >> Yeah, well, the week before was 12. hours. >> That's our primary like our pri- Like I. said, >> Oh, I'm working 14 hours a day. >> It isn't. >> The one app you don't want me to go. through. >> I talk to. him on that app. I talk Like I said, honestly, open it. There's just one. conversation I wouldn't open because. >> You listening to Facebook while you're.

doing dishes for 9 hours? Holy. >> There's videos on Facebook. It's not. just on YouTube. There's videos on. Facebook. I love I. >> I message for 3 hours. When I get three messages, three reels sent to my messenger within. like 20 minutes, I'm like, "Okay, here's. three. How many did you watch before you. sent me the three?". >> It's funny that he's working. He does. the same thing to me all day long. >> at least he's making money. So, and then. he gets home and you haven't done the. chores. Oh, I can't I can't be Okay, fine. What about her on Safari for for. almost 4 hours a week?

>> Safari like a browser? >> It's a browser. Safari might be I don't. know. Exactly. And then she's on. iMessage, probably buying iMessage. for almost 4 hours a week. So, these are. not podcasts while you're doing dishes. >> Hm, not all of them. >> YouTube is where she watches podcasts. >> Which that is her primary thing, of. which I did not bring up because I was. like okay fine maybe she's watching. podcast and that's fine but the thing is. but as Facebook Snapchat messages Safari. constantly. >> It is it is like I said install cameras.

in this mother. and install really good ones so you can. zoom in on what I'm doing on my phone. please so I can stop listening to this. >> You standing up and not doing anything. is still not doing anything but you are. standing up that is true. >> I mean I am. >> You accomplishing the basic things that. he that the house needs. >> It's not even. the basic things that the house needs. also. >> I mean I appreciate this watch history. you're paying for my house but. >> started dwindling away whenever. >> watch you. >> Yeah sorry um.

>> What are you talking about it is like. >> She just started watching you. >> Oh okay well that's good. >> Yeah yeah Um. >> She was preparing you're right you were. watching it before the past couple days. It's mostly just like crime videos. >> Yeah it's dude it's insane. >> Okay and first of all she has to watch. this cuz she's watching body cam she's. not just doing dishes and listening to. body cam footage [laughter]. So I know you're sitting and watching. you don't listen to body cam. >> that I've seen that I can literally just. seen seen Like I can I just know I can. hear yeah but I've seen so much of it. that I can just do dishes. >> Okay so confirmed she's not doing. now listen ladies and gentlemen if she.

gives consent if she gives her consent. I'll go through the Snapchat in the post. show but we don't we're not going to. here Oh lots of messages from people. some women some men he asked what are. you comfortable with nudes in the bath. good full body titties ass like what. >> Yeah what the is that. >> She said I know I said knows about it. but he doesn't lol Hi you can save those. pics but can you delete them from chat. just to be safe. >> Don't you don't have to.

>> You can read it right there crazy It was. just somebody else. >> It's not very much money. >> I go work 12 13 14 hours a day so you. >> [screaming]. >> Um. But yeah it's absolute it's it's. absolute It's absolute. So she. >> check mine? >> I'm okay. >> I don't know how to I don't know how to. do it. I'm curious. >> But the housework, I feel like really. didn't fall off until summer when my. 9-year-old got out of school. And I'm. taking them to There's um you know, like. a little rec center. >> Sure. And that's fine, but there is more. time in the day.

>> So we're going to the rec center, we're. going to the pool, we're. take going to the park, um. water parks. >> I mean, that's a small thing. >> home doing dishes, scrubbing floors, doing the laundry. >> No, and you don't have to necessarily, but the thing is if that is his big. complaint and he is working 12 hours a. day, he shouldn't be coming home and. doing chores. >> I agree, totally. >> You should do some stuff. Come on. >> I mean, dishes is basic. Dishes is easy. >> I literally do. So I don't know what the. he's talking about. He's got me.

up. >> You do these things, but here's the. thing. You'll do them and then you wait. two or three days. It's like. >> why I wait two or three days? >> No, I don't know why. >> Because I get drunk and then I don't do. it. >> Okay, well that's Actually, yeah, that's. that's actually true. >> That's a problem. >> That is true. >> That is Was there is? >> It was. >> That is true. >> She's 7 days sober. >> Yeah, it's only been a week, but before. that week, it was like a month. And. before that month, it was like another. month. >> Oh, okay. >> What was a month? >> From From December 14th to April 1st.

>> Oh, I mean, told this is court ordered, not actually by choice. 100%. >> It is court ordered. It is. >> What do you mean? Oh, you really are a. freak. Failure, weird freak. >> So So what happened court ordered? >> Uh I got a DUI. >> OH! >> Um. >> Oh good. Why not? >> Yeah. >> That's good for everyone else around. you. >> Dose. >> Not my finest moments. >> Well, you've had two DUIs. >> Moments. >> Dose. >> Sweetie, how do you not learn after the.

first one? You. freak. >> I don't know. My dad went to prison for. 4 years for DUIs and I still didn't. learn, so. >> Really? You are hitting every stereotype. of freak. What is wrong with you? >> Kind of is, isn't she? >> Yeah, literally you breath with that's. curious. Buddy. Yeah, so who's got the bad judgment now? >> You. >> Yeah, calling me the the racist and. whatever and she had kids with me now. the tables have turned. >> been you. I've never had the bad. judgment. >> Yeah, I know but he was saying you did. at the beginning because I wanted to do. blackface. >> Oh.

>> But now we've come full circle. >> judgment of the blackface was a bad. judgment but. >> Okay, so what were you doing when what. happened? >> Um, well about the first one or the. second one? >> When was the first? >> [laughter]. >> The first one was about 5 years ago. >> Okay, well what. >> No. >> 4 years, yeah. I was on probation. >> Oh, true true. >> For sure, of course. >> True. >> It was it was. >> Oh, what a freak. >> It was 4 years ago. It was literally 3. days before my probation ended but.

because I had already met all the. probation requirements, they closed my. probation out early. >> And then you went and got another one. >> And then I got another one. >> When was your other one, your second. one? >> 3 days before her probation was over. >> When was that? >> Like 5 months ago, 6 months ago. >> December, the middle of December, December. Um, so with the first one. I know. excuses, explanation, accountability, okay? >> Women. >> The first one, okay, my mom. >> The first one, um, my brother came home. from the Marines for the first time and.

I was like. let's go out. >> Okay, that didn't mean you have to. drive. You can go get drunk cuz your. brother came home, that's exciting, okay. >> Um. >> We live in the world of Uber. >> Well, okay. You're going to bash me on this but I. swear if I try to get an Uber out to. where I live, it's so rural an Uber will. not come out there. They will drop you. off there but they won't come out there. >> I agree, you're you're god damn right. Um, so the second one. but um, I didn't.

I refused to blow. >> Oh, nice. >> Which actually helped me. Um, >> Pro tip, pro tip, life pro tip. >> Life pro tip, don't blow. Um, actually. just don't even do the field sobriety. cyber. the field sobriety test. Have I been. drinking today? >> Yeah. >> Um, the second one, I. was at a bar drinking with my friends, and then we left the bar and went back. to her house to continue drinking, and. then I was like, I have to go home. because will be mad, even though he.

literally wouldn't be mad, and he would. have been. less mad if I just stayed for the night. >> going to make him more mad. >> Yeah, this is the second one. >> And he told you had to drive home to go. breastfeed your kid. >> Yeah, so. >> supposed to be doing that while drunk. >> By the way, >> Let's drop some knowledge on them. >> [sighs]. >> I'm going to be real with you. Your debt. is not the same as everyone else's. You've got your own unique mix of credit. cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are. different. Your payments are different. Your life is different. So, why do you. need some one-size-fits-all solution.

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[music]. times. 3:00 p.m. Link in the description. to get on the waitlist. They say, now I don't find that. And when I say they, I'm talking about. like doctors. They tell you now, if you. can find the baby, you can feed the. baby. I don't follow that rule, but I do. like. like the alcohol, the the amount that it. will seep in to your breast milk is like. nonexistent. So, there's breast milk. strips that you can get. You dip them in. your breast milk, and they tell you if. there's alcohol present.

Um. So, I bought a box of those, and as long. as those were good to go, I was good to. go. Um. >> That's crazy. You're crazy. >> I mean. >> So, would you blow that time? >> pump and dump is just for your comfort, okay? Like you're just trying to release. your engorged titties. Um and like I. said, I didn't blow. And a lot of times. they'll get. >> one you didn't either? >> I didn't blow the second time either. >> Are you on probation again? >> Not yet, because the case we haven't. gone to court on it. >> god. >> Right now, I am literally just.

>> What is wrong with you? How drunk. >> on bond on my own recognizance with this. breathalyzer. >> were you? >> Way too drunk to be driving. Not drunk enough to black out, which is. >> Oh, great. Oh, that's good. >> That's good for me. That's good. That's. good for an addict. Um but definitely. too drunk to be behind the wheel. >> are you drinking, you dumb. >> I At this point I mean, Like I said, I'm 7 days sober. Before. that, I had quite some time. Um. >> Why are you. >> I was just like, I want to drink before.

I get this breathalyzer test. I'm not. going to be able to drink again. So, I. want to drink one more time. >> kids since the first one. Why are you. having kids with that? >> Because. >> Because it's not it's not always it. wasn't always like this. She had to. prove. >> had two kids since the first one. >> Right. The it wasn't she wasn't always. like this with the alcohol. >> Like she But you've had two since the. first one. >> the DUI? Yeah, she didn't drink. She. like stopped drinking. >> I How long after she got the DUI? >> A long time. Yeah. >> A long time. A year? Two years? Well, that doesn't add up for the 1-year-old.

>> Oh, yeah. >> During During I would say when he was. about 6 months old, I started drinking. again. And it ramped up. Like. >> What? Why did you start drinking again? >> I. Honestly, it just started off as like a. little weekend thing and then it ended. as a stay-at-home mom bored in the. bathtub at the end of the night with a. bottle of. >> you're things to clean? >> I didn't say bored. >> If you What Rebecca, mute your phone, you dumb Did you not listen to the.

instructions? If you got time TO LEAN, YOU GOT TIME TO. CLEAN, DAMN RIGHT. >> TRUE. >> PREACH, BROTHER. >> That's what I'm talking about. She's not. listening. >> She don't listen to me, either. It's. crazy. >> One of your Snapchat payers or whatever. giving you this money? >> Oh, great. Oh. Well, I guess we'll learn about that in. the post show. Hammerly. Okay. Um so, what's the. What's the financial situation of this. house? What does it look like? What's. going on? What's going on with you guys?

What are we talking about today? Cuz. what a. mess you guys are, to be clear. >> Yeah. It's pretty rough. This is. uh well, with the second DUI, we had the. other one paid off, um. which was good. And then she got this one, and it's been. since December. We just found out like a. month ago that she's actually going to. go to court. So then the lawyer fee was. $5,000 for the second one. Um, and for her to get the little blow.

majiggy thing that she's got, um, we had to speed up the process. So we. had to pay the $5,000 like now, which. came from her grandparents because I. don't have $5,000. She definitely. doesn't have $5,000. Um, I don't have. >> So how do the finances work in this. house though? >> What do you mean? I make the money. >> You make the money. How does the. spending, the budgeting, the. communication, how does it go? >> Uh, budgeting is basically non-existent. >> Communication is very non-existent as.

well. >> I check my my banking app to make sure I. have cash. That's that's my budgeting. >> Why are you still with her? Is it the. kids? It has to be. You. >> No, because when she's good, she's. great. >> she's on her second W. >> Yeah, it's not good. >> Yeah, like what the like why are you. I would have walked. >> Well, okay. So, yeah. I've told her. if this continues because literally. talking to them a month ago. she was still drinking. Like I have a. text message saying, "Hey, I just got. home from working 13 hours. She's drunk.

right now. Like I'm getting sick of this. and I'm getting ready to like I'm done.". So I even told her I came home one day. and she was drunk again. And I for the. first time in our entire relationship, I. was literally on the brink of like I've. never wanted to physically hurt her, but. I was like this is ridiculous. >> It's not something you should have to. clarify. >> Well, it's it's getting to that point. It's getting to that point. >> To want to physically hurt? >> Yes. >> Absolutely. >> I'm like I don't want to I don't I was. like I don't know how to say this. I was. like, "But you're literally. >> Just leave. Don't hurt.

>> No, you're making me like despise you. >> Yeah. >> Like and. >> Well, yeah, that's fine. But why does. that get to violence to you? >> just saying like it is on the like I. wasn't actually going to do it, but like. I wanted like it's just What is it to. take to get through your head to stop. doing this? Do I have to beat the. out of you? You have You have three You. have four kids. You have, you know, a. decent home life. You get to stay home. and take care of your kids. Like, I. don't understand what's so bad, what's. so wrong that you have to drown out. every bit of existence with alcohol. I.

don't get it. >> I mean, I agree with you, but you are. concerning me. The things that you're. saying are kind of concerning, especially when you look like a school. shooter who got lost on the way to. school, so still ended up making it to. 34. >> without blasting one up? Bro, I look. fresh. >> [laughter]. >> What are you talking about? >> So, it's concerning that you felt the. desire to put your hands on her? I mean, >> But, I didn't. >> That's good for now. >> good? >> Until she takes another little swig cuz. >> Here's the other thing, too. She's not. When she gets drunk, it's not a good.

time. It's not pleasure It's not fun. It's not like Oh, I takes an alcohol and. I we let's dance and have a good time. and everything's fun and joyful. No. She's an She uh. gets ignorant with me. She's rude to the. kids. >> Like. >> What's that like? >> Basically, it seems like. anything that she has bottled up or. doesn't say, then it just starts to come. out and it's like to the extreme. >> know if that's ignorant. >> No, because it's mostly not true. >> Okay, so she lies? >> Yeah, she gaslights. I hate to say that.

in 2026, but. >> Well, no, that's a real thing. >> Yeah, it's a real thing. It's like the. thing I'm doing work at home. Like, you. pulled up the You're gaslighting me. No, you're not. And then she'll say things. like, uh. you just can't see all the things that I. do. Well, if I can't see it, then is it. happening? What are we talking about. here? If you can't see me go to work, you. can't see me pay the bills, but I'm. doing it. >> I'll say things like, you know, you. don't notice all the small things. Like, for instance, like you didn't do the. baseboards. >> Don't do the baseboards when the sink is.

piled up, when there's six loads of. laundry. Don't do the Baby, why are you. doing that? >> about cleaning with you guys. >> It literally is. >> Bro, I'm a very OCD. I'm very like I. don't want. >> and it's out of control. He's a very. husky and he. >> I don't like that dog. >> He hates my dog. >> weird to not like a dog. >> I know. Dude, he's he's hairy and it's. gross. >> Gross? >> Yes, it's disgusting. Dog hair is. disgusting. >> It's a thousand square feet. Why aren't. you cleaning up the hair? >> I do. I'm vacuum and sweep like every. single day. Every single day. But it's.

>> You said like every single day. Is it. every single day? >> No, it's not. And that's my whole Here's. my whole thing, too. Okay, remember, thousand square feet, three bedrooms, two baths. If you do everything, okay, you get it in tip-top shape, everything. is looking great. Now, what are we doing. here four days a week? Well, cuz I'm. usually off two days. Sometimes not if. it rains or whatever, I have to work an. extra day. Maintenance. We're doing maintenance. How long should it take to maintain? Oh, you want to go to the Rex Plex. You want. to go to the pool. You want to do this. You want to do that. It should take you. an hour. Speed run through all the.

to-dos, and then you go have fun with. the kids for the next 11 hours of the. day while I'm gone. >> I agree with you, but the part that you. are totally missing is like let's say I. have the house clean and this happens. all the time. I go back to take a bath. or something, right? And I come out of. the bath and there's toys everywhere. There's everywhere because you're. on the computer. >> Because you're on the computer, which. you deserve to be on the computer. You. know, like you deserve You deserve to. come home No. You deserve to come home. and be on the computer while I'm in the. bathtub and like relax and do whatever.

the you want to do. But at the same. time, I can do those things and also. pick up as I'm going. So, like when I. get out of the bathtub in the whole. house that I just spent an hour or two. hours cleaning is now messed up and. you're like letting cook and. >> I mean, I'm sorry. I'm having No, we. know. Or. it's the fact that you've already been. drinking and then you're in the bathtub. and it's like, "Oh, it's me bath time. I'm going to drink some more.". >> That does happen. But especially since December, it hasn't.

been happening as much. since December? We're in. June. >> Okay, well December 1st. >> I can pull up pictures right now on my. phone where there's like eight Smirnoff. Ice cans hidden in like a bag in the. trash can. >> Yeah, and then. >> open the medicine cabinet, there's three. shooters in a. >> That was in April. >> That was. >> Where you said it's December. What do you think is after December? >> That's what I said. From December to. April 1st. I know when I stopped. drinking because I know when I stopped. drinking. >> stop drinking though until 7 days ago.

You would have one day. You would have. one day. >> to April 1st. I literally did not drink. at all that entire. >> Okay, well here's the problem. >> time. I drank before my friend's. birthday and then all of a sudden I. drank every day for like 3 weeks. I know. when I drank and I know what I drank and. I know. >> I do have bad short-term memory, so I. can't confirm nor deny what she's. saying. It's but I feel like I. feel like she's gaslighting. >> No, because addicts [laughter] An addict. knows the days that they stopped. drinking. >> also lies. An addict also lies to do.

their drug of choice. Come on. I grew up around addicts my. entire life. That's also why I have no I. have no sympathy for this. I have no. time for this because that's not how I. live my life. I don't drink. I don't. smoke. I don't do any of those things. So, my future is not revolving around. any of that. >> Which I understand. >> Then why are you with her? So, I'm so. confused. >> Because again, whenever the things are. good. like she's a great mom. >> Yeah, but her time has not been good for. a. >> She's a great housekeeper. She's. actually very intelligent when it comes.

like to book smarts and things like. that. She knows what she's doing. >> Um, okay. For you. Okay. >> No, not for me. >> Mm. >> In general. Generally speaking. Above average. intelligence. >> What's the last book you read? >> What was the name of that book? One of. the secret by Freida McFadden is the one. I'm on. >> Oh, she reads books all the time. >> Um. >> I haven't read a book probably since. high school. >> That's why I'm blanking on the name of. the last one I read. It was so good, too. >> But things haven't been good for a long. time. So, that's why I'm confused why.

you're still here now. >> Uh maybe it's the. It's the kids, right? >> No, it's the reminiscing. on the times where things were good. Also, like. >> True. >> wanting to build a future. There's. things that I want to do that involve. her, goals that I have, ambitions that I. have that she is a part of, that I also. need her. to accomplish. >> Have you wanted to leave? >> Oh, yeah. Definitely. >> Why you? He's the one doing. >> Yeah. >> a. >> Hasn't You know how he said it always.

hasn't been like that? It always hasn't. been like that. Um the other thing that. we have had fights about or just like. where I'm coming from, even. far before I started drinking, was like. his when we got together, like he said, like reminiscing on how, you know, that. that amazing phase in the beginning when. our everything is perfect. Um I would. say he slowly stopped showing as much. emotion and like the romance and stuff. like that. And I know that's a normal. thing. I know it happens, but it wasn't. something that I foresaw happening with.

us. So, it's something that like I've. been bringing up for a long time, and it. definitely has gotten a lot better. Um. but there were definitely points, I. mean, I would say around like 2019, 2018. And I remember these years. specifically because they were that bad. I mean, there was like complete. disconnect from us. We hardly talked. Um. I was telling him the other day, like, the first time you told me that I'm. beautiful without being prompted to was. the day that you proposed to me three.

day three years ago. >> Okay, you know what? You didn't get. called beautiful. That's a bummer. You're a. drunk at home who doesn't do while. he. >> If I was If I was told these things, maybe maybe I'd be better. >> I think Oh, it's Oh, it's your fault she. drinks. You don't call her beautiful and. What the is wrong with you? Have. some kind of personal responsibility. >> You're joking, but no. I think she. seriously does. >> No, I do not think. >> What happened Hey, you have to blow into. a breathalyzer, right?

>> Yeah. >> What happens when that court order is. done? It's happened for like 30 times, and. you're complaining how he hasn't said he. doesn't say I love you as much. Like. yes, THAT SUCKS, BUT THE SCALE OF ISSUES. ON both ends, yours is up here. You'd. rather the him not saying I love you. >> the thing is it started way before the. drinking, like I said. So, yeah, that's. a that's a thing for me, that's a deal. breaker for me. If you can't show me. intimacy and love outside of sex, then. that's a problem for me. >> why are you there? >> It's not even. >> talked about it. We've worked through.

it. >> And so you worked through it, so it's. gotten better. Well, there you go. So, what are you complaining about? >> Complaining about? I've been sober for 7. days. That's a. >> Court ordered. >> [laughter]. >> Court ordered and checked via. breathalyzer. >> Yeah, is it Okay, >> I can still go to the gas station to get. a drink if I want. And even if I did. drink, like let's say I could I drink. right now, and I blow dirty in my little. device thing. The only punishment would. just be blowing in it more times. throughout the day. That would be my first punishment. >> a. >> I do. That's why I'm taking it. seriously. That's why I haven't had a.

drink. But, it wouldn't. >> Uh, what do you. >> You know, I wouldn't immediately go to. jail. >> the thing. >> the first time. >> Every time she's been pregnant, she just. stops. There's no drinking, there's no. doing anything. So, here's my thing. If. you have that willpower to do that, why. And like she just said, oh, if my only. consequence if I drink is I just have to. blow into this thing more. Okay? So, I just followed the order because. it's the order, but if I wanted to break. it, I could. Obviously, you can follow. it. So, why.

whenever there's no restriction, there's. nothing stopping you, then it's a problem. But, if there's. something that's telling you you can't. do it, then all of a sudden, oh, I got. to follow the rules. It's no big deal. We could do it, no matter whether it's 9. months or it's 2 years. I don't. understand. >> Plain and simple, just being lazy, and I. didn't want to. I didn't want to stop. Um. >> Do you believe she hasn't even had a sip. in the last 7 days? >> Uh yes, because she every 4 hours or. less that thing goes off and she has to. blow into it whether it's 2:00 in the.

morning, whatever 10 I think it's 10:00. to 6:00, 12:00 around the clock. So. there's like no point where she can and. has like a camera on it, so she can't. have like one of the kids blow into it. Like so I know that she's doing it. >> It's actually never been um it's 100%. tamper proof. It's No one has ever. successfully tampered with a SCRAM. blowing device. However, they have a. breathalyzer. They have tampered with. the ankle monitors that you wear that. can detect alcohol. >> one? >> No, I don't. And I got out of that by.

using. >> get back on it? >> No, I've never had one. >> Ankle monitor? >> No, I've never. >> time? >> I've never had one. The reason that I. have the breathalyzer is in place of the. monitor because it's summer and I wanted. to take my kids swimming and you can't. submerge that thing. So this is still, you know, it puts a strain on the whole. family. It's. >> It's quality parenting cuz you're a. horrible mother. >> I understand. Yeah, totally. >> When I said like if I leave, I'm taking. the kids and the only way you're going. to see them is if you have this device.

So. >> actually what it's mostly used for is. like custody battles. >> Yeah, okay. So yeah, you're a. piece of But I'm being told. >> Not on my good days. >> Shut the up. But I'm being told in. your end, Tyrone, that you consider. yourself. Robin Hood. I don't see how cutting. grass is in Robin Hood. What is this. Robin Hood? Do you steal from. steal steal from who to give to who? What what the are you talking. about? >> Um so I mean we'd have to get into some. of the debt related stuff on that end. Um.

>> He steals from companies {slash} the. government and gives back to himself. What does that even mean? >> Uh I don't steal from the government. I. fall I follow all um legalities involved. with any kind of application processes. or requirements for assistance. First of. all, >> You paid your taxes? >> Uh about that. >> Okay. >> [laughter]. >> Well, >> Taxes. That would be it. >> It's been like 4 years. >> Three. >> with you? >> Three.

>> What's wrong with you? >> Okay. >> You own a house? >> Yes. >> How do they take it? >> No, they won't. >> They could. >> They could, but they won't. >> they will. >> They won't. >> Why do you know? >> Uh just cuz I know. >> Nope. >> Yeah. Yeah. See, I think you like operate out. of a like a you know carrot and stick. mentality. You're more afraid of the. stick and the IRS and the the guys with. the guns. Your favorite sa- I I just. don't I don't care. >> You don't care if they take your house? >> They're not going to take my house. >> take your house. >> No, they won't. [snorts]. >> If the police do come, he told us, "I.

ain't going down without a fight.". >> So, when I first started this, you know, the taxes got complicated quickly. >> Mhm. >> Um I thought I paid enough for my first. year doing doing YouTube. I didn't. Found out a couple years later. >> Did you. >> Yeah. Let them in the know. >> You filed though. >> Yes. >> Yeah, see? You're on the radar. Problem. number one. >> Well, I think you're on the radar now. Problem number two. >> Yeah. I don't think Tyrone is going to. be on the radar. >> Yeah. Yeah. Tyrone. So, >> Not even for. >> No, this year this year I will have to.

file. 100%. >> So, you'll be on the radar. >> Yeah. Yeah. I've never made enough to. where like. I would have. >> for bills last few years then? >> Uh I mean, I was working. >> But you never made enough to pay taxes. That doesn't make sense. >> Well, so when I'm we used to mow, I. would mow for cash. Like it wouldn't be I would work for. someone else, but it would be for cash. >> didn't claim that. >> Or or they would 1099 me and I just. wouldn't claim it. Or you getting. government benefits? Uh she does.

>> I see you guys aren't married. What. benefits are you getting? >> Bingo. Um I get food stamps and medic-. for all the kids. >> Uh mind you, a six-figure household. >> Six figures, no, because that is only. the. >> out to $11,800. >> No, I do not. During This is the first. year that I've ever made that, and this. just started in April. >> Oh, but you can't tell me it averages. that. >> I have a I have a consistent client. list, so yes, it does average out. Um. >> Yeah, for a couple months you have a. consistent client list. >> no, I've been building this client list.

over the last three or four years. You. don't just start a business and have no. clients. >> didn't go from zero to 11. So, you've. been making decent money for a while. >> Yes. So, mind you, nearly six figures. for a while in the household, not even. >> Then what are you talking about? If it's. a consistent client list, you should. have been near that six figures for a. while cuz you're well over it today. >> Last year, okay, so I would have to rent. equipment for my old boss on the. weekends to do the few yards that I had. So, it was like not even anything close. to. making six figures or anything like.

that. >> Okay. >> I was going to I mean, this is a whole. 'nother rabbit hole, but I was going to. purchase this company from him. uh two years ago, I think. >> Okay. Well, regardless [clears throat]. of all that, let's just pretend you. weren't. Well, you are now. >> Uh-huh. >> And that is disgusting if that maintains. through next year. >> Yeah, but it won't be six figures still. >> What? >> Because we only can I can only mow. average of 29 weeks a year. That's the. mowing season. And then once that falls. off, I don't. >> But so what do I actually put as your. average then? >> I told you it would probably be I mean,

whenever I get side jobs, I probably. still make four to six thousand dollars. a month. >> Extra on top of the total? >> Like total on off season. >> So, what is the monthly average I should. put, ish? >> What's 29 week 29 divided by four? 12. six 24. >> I mean, it's hard to say because the the. >> Probably 70,000 a year, maybe a little. less. >> Okay. Wait, then why the should she be. able to claim half? >> [laughter]. >> Uh I think the dependence is the big. thing. I don't know what that it's.

>> with. uh who's claiming them? >> Yeah, she does. >> three dependents. >> You claim them with the zero income. because he goes. >> works for my company. >> What? >> Yeah, she works for my company. >> Why didn't you tell me that when I said. what are you doing for a living? How am. I supposed to go off of information I. don't have? >> stay-at-home mom, but she works for my. company. >> Yeah. >> For tax purposes. >> And what do you make? >> Uh 25. >> Is it 25 last year? >> in addition to your 70 a year? >> No. >> No.

>> What the are we doing? Guys, just. end the federal government and all. benefits. This shit's crazy. I'm so. done. This show has turned me into the. most pessimistic mother. >> We're okay. >> to be so pro-benefits even 2 years ago. and now it's just like every single one. of you mother This is crazy. >> Yeah, so here's the thing, too. Uh tax tax code, your children, if. they're of a certain age, can work for. your company. >> Oh my. >> Pay them up to $15,000 a year, so you. can go ahead and add 15 plus 15 to that.

as well. >> When's that? >> I mean, my son's 9, he helps me cut. grass. >> Why is a kid that young working so. slowly? >> Do I even care about your family? Cuz. you're playing Russian ROULETTE WITH. THEIR FUTURE. YOU'RE SPENDING $5 A DAY. ON BS ENERGY DRINKS AND CHURROS. THAT IS. 2 GRAND A YEAR TO PUT one foot IN THE. GRAVE. ALL WHILE YOUR FAMILY has zero. protection if something happens to you. Make it make sense, bro. If you want to.

actually enjoy those sweet summer. moments without sweating your family's. future, you need Policygenius. It's a. free online marketplace where you can. compare quotes from America's top. insurers side by side, no guesswork. You. can find 20-year policies starting at. just $276 a year for a million DOLLARS. IN COVERAGE. YOUR BS energy drink budget. covers that five times over. Head to. policygenius.com/caleb. right now to compare quotes from top. companies and see how much you could. save. That is policygenius.com/caleb.

Stop being a liability to your family. AND START BEING A PROVIDER. YOU SUCK. WITH MONEY, so you download a budgeting. app. You start with the classic one, YNAB, but everyone just deletes it. because it's way too complicated to use. So, you go to EveryDollar. That's Dave. Ramsey, the personal finance guy, right? Well, they're going to force you to use. it his way. That's not very [music]. personal finances. Rocket Money, but you. got a lot of commercials, but they're. owned by Rocket Mortgage. Guess what. they want to sell you in the end. Then. there's the new guy on the block,

Monarch. Hundreds of millions of dollars. of private equity raised and so far, but. private equity 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 [music] it now, start. the free trial. dollarwise.com, link in. the description below. >> My daughter's 13, she helps me cut. grass. My two youngest kids, they can. be, you know, models for advertising. >> you think this would survive an audit if.

you get audited? >> Yeah, 100%. It's a it's a it's a tax. code. You ran it past a CPA? $15,000 a year. per child, which is tax-free for them. and tax-deductible for me. >> You. You've ran this past the CPA? >> Yes. >> Okay. >> Yeah. >> I'm not I'm not I'm not 100% sure. He's. not He's not the fact-check guy. >> Linzo, pull it up. >> Yes, Linzo. >> [clears throat]. >> Um okay. I mean, I don't know. We can. look at it later. Um but I'm very glad.

>> here here theoretically what you could. do is if you pay your children that. money, I mean, you obviously have to. make a certain income here, but what. they do with their money. doesn't matter. So, theoretically, they. could they could. they could pay bills for you. >> And yet you're getting the child tax. credit still, so I'm funding that. You're welcome. >> you. >> And you're just not going to be filing. taxes and uh you get food stamps on top. of that plus Medicaid. So, we're Oh, I hate everything that is the.

way we have set this up. Yeah, we're we're dependent states now. >> 200 billion yearly SNAP budget is the. problem but not the hundreds and. hundreds and hundreds of billions of. subsidies that go to corporations. But. yes, the little guy getting subsidies. >> isn't money going to them typically. Subsidies is usually usually it's tax. benefits. So, it's money they're not. giving. Food stamps is still money going. out. So, it is different. You can't. compare them one to one. >> Uh it's not one to one. >> Well, then you just made the one to one.

example. >> No. And you know those subsidies are usually. set up in place for them to build like a. corporate. campus so they employ more people. >> Well, it's still to a certain degree. It. still puts more money in the system cuz. they bring in more employees. They have. to pay payroll taxes on that on both. ends. So, what are you talking about? At least. what that. >> Let's use oil and gas. Let's use oil and. gas for an example. How much revenue did. they generate and how much of that. revenue was profit? You're telling me. that they deserve a 700 billion dollar. deduction or subsidy or whatever you. want to call it to grow their business. When you make that much money, you can't.

fund your own. business advancement? >> know about necessarily deserve but I. would still rather have money go to. something that does create jobs which. actually provides a benefit than. than people than people who literally do. nothing sit on their ass and just get. >> SNAP can only buy food. So, >> gets Medicaid and she gets the child. >> tax credits. >> Now tax credits too. Literally just the. >> How many countries pay. for people to have children? You want. the pop What's the population decline in.

all these other countries? >> That has never once helped. Anytime benefits have been provided for. having kids, it has never improved the. situation. It happened for a year in. Hungary and then it fell back down. So, that's not even actually benefiting the. overall issue. It's a populist policy. It's populism. And populism isn't. necessarily good. It just gets votes. >> Not a bad one. >> Huh? >> It's not a bad one. >> Not a bad one for you guys. You guys are. takers, not givers. >> Oh. >> Even if we were to get married. >> So do I agree with every tax credit? No, but I would still rather, if I have to.

choose between someone who literally. does nothing and just get versus. creating jobs that at least help. communities, I'm going to choose that. That doesn't mean I'm like super pro. subsidy. >> I have a job that helps communities, right? >> filed your taxes. You only employ employ yourself. >> I will this year and guess what? I will. pay zero dollars. >> Why? >> I just explained to you how I'll do it. >> So you're okay with the tax subsidies. >> Exactly. >> Okay. So you're okay with the tax. subsidies. >> though. I'm okay. I'm at this level of. the socio-economic ladder, right? I'm.

down here. Whatever I make, yeah, whatever it is. I'm going to play the benefits that are. down here, the loopholes that exist. I'm. going to use them. >> complain about that for others? >> Once my ladder goes up, I'm using as an. example that I'm just doing the same. thing, but I'm doing it from down here. Oh, I hate the poor people because. they're abusing the system. Oh, but I. don't hate the poor people who are. abusing the system. You see what I'm. saying? >> I didn't say that. I said if I have to. choose one to one. I just said I'm. against both, but if I have If you're. making the one to one example, I'm. choosing the one that at least creates. jobs.

I wasn't defending either. >> Okay. >> But I would still rather do something. that contributes to the overall system. versus you that just mooches. >> I mean, well, the thing is too, I. plugged all the numbers into chat GPT, what he makes monthly or whatever, you. know. >> used chat GPT, ladies and gentlemen. >> Yeah, there you go. Um, and. even if we were to get married, the the. food stamps and the Medicaid would. remain about the same because of the off. season where he doesn't make much money. for a. >> So because he went into a business that. isn't actually successful, we should.

fund you? >> Yeah, thank you so much. I appreciate. it. >> Usually you just say. >> it's not successful. It's starting your. own business. >> another job. >> Starting your own business always takes. time in the first two years are. specifically the hardest. >> Yeah. Which we did, and this is how this year. is going good. So, this year we're going. to pay taxes, and now we're going to be. good. >> You're not funding my risk, though. >> We kind of are by putting food on the. table and getting making sure they're. taking scene. And plus the child tax credit so this is. literally money in your pocket. So, yes,

we actually are. >> You're funding her. >> But even if you aren't jointly, like she. said, thanks to chat GPT, your benefits. would stay the same even with your. business cuz the. >> Yeah, okay. So, if I didn't have my own. company and I went and worked for some. minimum wage job because that's let's. say that's all that I could qualify for, nothing changes. >> Well, that's at least you choosing to. get a job, but you choosing to do your. business that isn't successful is us. essentially subsidizing. That is a. little different in the end because. here's the reality. In capitalism, which. is great, here's the reality. In here's.

the reality. In here's the reality. In capitalism, the excitement is if you. start a business and you're wildly. successful, I want you to reap the. rewards. >> Right. >> But if you start the business and you. fail, that's also on you. That's the. risk of it. That's why we celebrate your. reward in success because you did the. sacrifice where you may have lost. everything. Why should we then actually. say, "You know what? If you lose. everything, no worries. We'll just fund. you." That makes no sense. Go get a job. like everyone else. >> I do. When I'm not working. >> Sometimes yeah, when you're not working. So, what brings you to the $70,000 a. year, right? >> Yeah.

>> Okay. So, you're close to the median. household income and I'm sure St. Louis. is a little lower. >> Okay, let's talk about median household. income. How many How many millionaires. and billionaires are in the United. States? Do you think that skews the median. household income? >> Well, that's why median's there. It. skews the average much more. aggressively. That's why we use median. >> Right. Yes, the median's better. Yeah, I. Yeah, but I feel like there's a lot more. people who aren't making the the median. household income than that's what's. listed. >> you think just median is? Median's to. get the median. >> a mean, median, mode. >> Well, we would rather do that than the.

average, though. So, at least we have something to work. with here, buddy. >> Yeah, but I think those numbers are. skewed. I know a lot more people who are making. way less than 70,000 dollars. >> in your life, but I'm just going to go. off of analytics. >> Okay. >> But, I'm glad you use anecdotal. examples. >> Yeah. I'm just saying the data is skewed. >> And you know what? I know some. >> Yeah. >> I know fat people, I guess every single. fat. >> Back at you, bud. >> I'm not a fat person. >> You could be. >> I'm not a fat No, I'm just a millionaire. and billionaire. >> That's cool.

Yeah, it's actually awesome. I wish I. paid 4 million dollars in taxes, that. would be sick. >> Yeah, went right to you. >> Yeah, it's awesome. >> Thank you. >> You know why? Cuz that means you're. making a lot of money. So, I would I. would be glad to pay 4 million dollars. in taxes. >> me. No, no, no, I'm very blessed to be. in my position. I'm not complaining. about that. I would just rather it. actually benefit society and not have. people that can just mooch. >> But, it does benefit society. Healthcare and and snap benefit society. overall. >> Uh potentially, I would want people who. actually need it. Yeah, say. statistically. >> statistically there's more people that. don't probably, you know, like her just.

sitting at home. I would say. statistically speaking, it's an overall. net benefit to society. >> Yeah, there are some bad apples. >> What do you mean? You're saying yeah, she doesn't do anything, she's getting. government subsidies, right? >> not good. >> That's not the statistic though. I would. say more than likely the average person. who's on the benefits. >> Yeah, which is why I don't want to take. it to zero. >> Right. >> But, I think it's also okay. >> a net benefit to society, it is overall. Yes, you did. >> Well, no, no, no, I say I Well, to. clarify my response then if I. accidentally insinuated that, I would.

rather make sure we're at least auditing. the systems properly to make sure people. like her are not qualified. >> 100%. >> So, I think that's fair. Including the. Pentagon, don't get me wrong, hasn't. passed an audit. I'm with you, buddy. If. money's wasteful, I don't want to I've. always said I'm willing to spend more on. taxes if we make sure we're actually. benefiting society more and if we're. actually auditing our systems. So, I'm. not against you on that. Yes. >> I agree. >> Okay, but uh I don't think anyone likes. writing a check for 4 million dollars. That is money that could go to a lot of.

things that I would like to do in life. But instead it is going to things that. we literally cannot audit or pass an. audit of. >> Yeah. >> So I don't think I am required to be. happy about that. >> mean there are you could you know, I'm. sure you do it already reduce your. taxable, you know, income and. reinvesting in your company or other. things in. >> I mean yeah, I mean I employ people but. even still. >> Yeah, but that's I mean reducing tax. income like if I employ someone just to. reduce tax income I would still rather. pay that 40% on that $75,000 than.

literally get zero from it. So that's. not just how it works, buddy. >> Yeah. >> You're saying you're thinking of like a. massive C Corp that does a lot of funky. to use the tax code. I mean I still. need pocket money in my pocket at the. end of the day. >> Right. >> So we don't do that That's not. what most small businesses do and we're. a small business. So no. >> that's what I'm going to do for this. year and probably next year. You have up. to five years to operate at a loss. before the tax or the IRS labels you as. a hobby and not a business. So. >> And you're filing quarterly's next year?

>> Uh maybe. I don't know. I have to talk to a CPA. >> You'll be wanting to file quarterly's. next year. >> Yeah. Well this year I know I'll be able. to write off the truck that I got. I'll. accelerate depreciation on that. The interest on my other truck that I. pay on right now. >> about any of that. But the reality is I. don't know if you're if you're trying to. make a big point about like. I should be happy about writing a check. when we can't pass audits and there's. people like her and many others on the. show. Listen, I'm good with the child.

tax credit I guess it's a populist. policy. I'd love to have if it actually. increased the. birth rate. It doesn't. It never has in. any other history. South Korea has. massive benefits. It's still falling. Um so. you know, it doesn't really work. The. reality is I mean yeah, sure it'd be. great to be like a single household. income and you guys can be in St. Louis. off of 70. So I don't think we need to. do extra support for you guys. >> Probably could. >> Probably could. But you know, you're. just going to claim that your income is. zero, so then we're going to give. everything.

So, yippee, our system has no flaws and. it's perfect, and I guess more people. like me just should be forced to. write. checks, and you'll celebrate, I guess. >> I mean, that's why we're here. >> I'll be No, I'll be I My goal is to be a. part of that person who writes those. checks. >> aren't you Wouldn't you also rather. instead of that and just rule rule, let's take money, like figure out, "Hey, what's the actual issues with where. money is going first?" And then once we. get that settled, "Okay, let's decide if. we need more taxes, if we can do less, or if we should stay the same.". >> That's exactly why we're here and not.

filming a retirement planning. documentary. That's why we're here for. That's why we're here and not planning a. documentary for retirement or something. else that we don't know anything about. because we are not doing good with our. taxes, we're not doing good with our. finances, we're not doing good with. budgeting. >> I don't I think she's saying that we. haven't filed taxes and we or haven't. made a budget is why we're here. I don't. >> Yeah, that's the whole reason you want. me to come on the show, you said, for. financial advice. >> hey. >> Okay, well, then why are you Why are the. pieces not clicking? I'm I'm I'm seeing.

Yeah. >> Pieces not clicking. I'm talking about. I'm talking about him being upset that. I'm not excited for writing a check. >> No, I get I get what you're I get what. you're saying from the perspective of. >> fumes were in that club? >> know. Fixing the system, yeah, but I mean, the. system exists as it exists. I would be okay because again, like I. said, statistically speaking, we're probably not the average. situation. >> No, you're not. >> So, me writing a check towards the. current system we have, yeah, would it. suck at the end of the day? Sure, but as.

long as I'm making plenty of money to. provide for my family, I don't care. because I grew up in obscure poverty, like. poverty poverty. So, like. >> That doesn't mean you can just do. whatever and have any opinion forever. What? I grew up with foreclosure. notices. They've all heard it. >> foreclosure notices. Is that the worst. part about your childhood? I hear you. say that all the time. Is that Was that. >> the worst part, but it's an example of. >> I moved like I don't know five six. houses. I I remember my mom like OD'ing. and she was asleep for like four days. when I was like nine years old cuz she. took like. >> we doing right now?

Is this Are we having a competition? I'm. just saying I don't care. Just like I. don't care about mine either. >> Yeah, but the thing is like the mindset. that you have is because you grew up in. a certain situation. You grew up in a. certain scenario, right? When I say I. grew up in poverty and deprivation and. all that. >> to take your taxes to zero? >> I grew up in a different economic. probably system than you did, the people. that I surrounded myself with, that is. how they operated and how they live. life. So the things that I do, even at. this age, are kind of based on the. mindset that the people around me had.

>> Okay, everyone lives life based on their. personal experience. Yes, we all know. What point are you trying That meant. nothing. >> things that you have learned and been. surrounded with your. >> OD'ing, yeah. Unlearn that. >> No, just being on a Yeah, don't do. drugs. >> Being on assistance. I don't know where. he was going with that, but. I don't know. >> D.A.R.E. >> Yeah. >> Okay. Nancy Reagan, it worked, I guess. >> No, I just think that you have this like. mentality of like I did the something, so it's like you can do it, too, in the.

same exact way I did or Like everybody. has a different mentality. >> said personal finance is called personal. finance cuz it's personal. But I know. that if I can do it, other people can do. it. Not necessarily the same way, but. budgeting is still budgeting. The. numbers work the same way. Money in, money out. >> Yeah, but what I'm talking You're. talking We're talking about personal. philosophies here of why I do some of. the things that I do, right? Not It's not just It's just not. the mindset thing of. >> What mindset?

>> I don't know. >> Exactly, you're being defensive about. nothing. I was responding to you saying. I should be happy that I'm writing the. check. I'm happy I'm in a position where. I get the right to check, but I'm not. happy about losing money that could go. towards life goals that I have, especially when the system is flawed and. I guess you're a fascist if you consider. that there might be some fraud happening. in this country. >> There's a whole lot of fraud. >> Exactly. So, what the was your point? That was pathetic and weird. What do you. think your guys' financial score is? Zero to 10, zero being the worst, 10.

being the best. >> One. >> I haven't seen the show, so I'm. >> heard you're super smart. I just. described what the score would be. >> go with what he said and say a one. It. could be a two. A one. Or maybe a zero. Are we even on. the chart? >> Oh, trailblazer you are. Going against. the grain. Okay, well, if you want to. figure out what your hammer financial. score is, take that assessment for free. Just takes a few minutes at. CalebHammer.com. You can see where you. stand, where you're doing poorly, where. you're doing great. If you don't want to. end up like guests on this show, besides.

not coming from households where your. parents overdose, also just use a budgeting app and you. will figure out where your money is. going. Something you guys definitely. need. So, check out DollarWise. You get. a free trial. DollarWise.com, link in. the description below, or just download. the app. Check it out, see if it works. for you like tens of thousands of. monthly active users do. Sign up for the. annual version cuz it saves almost 50%. and you get the physical version of my. 30-day meal plan signed by me mailed. directly to you and the digital version. of our cookbook. Here you guys go. I. don't know if it works.

>> [screaming]. >> And where was it? St. Louis, they got. grocery stores, but I think I think you. guys can use that. >> Should be good. >> [gasps]. >> Okay. >> Thank you. >> And I am sorry again. Like, I mean, I'm. I'm making light cuz I didn't really. understand the point you're making, but. I mean, I'm sorry. >> for the place you came from if like, >> No, I think what I was. >> And I'm sorry that you Wait, like, it's. horrible that your parents went through. overdoses. That's really sad and it's. really tragic and I'm sorry. Um, I still. didn't really understand the point you. were trying to make and that's why I'm. kind of making light of it, but that is. tragic. And I'm glad you're not.

replicating that experience for your. kids. That's important. >> I think the whole the point There's the. point that I was making was like, if I. could be in a position to where I could. write, you know, that big check to to. the IRS, yeah, it would suck, but it's. like, from where I came from, that's. like the least of my worries, you know. what I'm saying? >> It's the least of my worries, too. I. Okay. >> That's all I was trying to say. >> Doesn't mean I'm happy to do it. >> I yeah, I mean. >> So, I don't Okay. [laughter]. I don't think anyone's Oh, no, I made. lots of money. That's That's really sad. Uh okay, Chime. So, checking account. first, that's interesting. And we do. like chime, chime.com/caleb get $200 for.

signing up, it's free. No reason not to. Did you guys get that $200? >> No. >> You signed up before or without my link? >> I I just found you like 2 months ago. >> Oh, my friend, my friend. You could have. gotten $200. There you go, get $200, lady. Link below. Wow, this is a lot of. Okay. What are we doing in here? Who's. Chime? >> Mine. >> Okay. What are you doing in here? What's going on with this? What am I. looking at? >> Uh. >> And you're stopping at gas stations and. getting some. >> Yeah, buddy. >> doing? >> Uh Bangs.

>> What? Oh, the energy drink? >> Yes, sir. >> No, wait. >> Bang, bang, bang, bang. >> I don't mean to do a plug too close to. another one, but okay. Energy drink, here you go. You're making this at home. Hey, girl, you know, you guys should be on a. budget, so I'm just going to let you. know what this is, so you can force him. to do it at home. It is a powder. It. turns into the most delicious substance. you could ever imagine. It's called. Gamer Supps. It's an energy drink, you. make it at home with my discount code, 10% off Caleb. Link in the description. below. You get it for 40 cents a. serving. So, like you make your coffee. at home, instead of going to nasty ass.

Starbucks anyway. Make it, I guarantee it's better than. Bang. We put Bang in our blind taste. test. This beat it by far. Wasn't even. close to it, right? >> What flavor were you banging? >> What flavor were we banging? Remember? It was a white can. >> That already sounds like trash. >> Well, either way, that's better, I. promise you. >> Purple Haze slaps, bro. Peach Mango, mm. Oh. [snorts]. Mm, Dragon Fruit Punch. It's what you gave me. >> Here, that one's Fruit Punch. >> Oh. >> I tried to get the sample pack like 2. months ago when I found you, and they. were out.

>> Okay. Well, you can get those sample. packs, figure out what flavor you like. Link in the description below. Um okay. Uh and then here, so you're. going to the gas station and getting a. lot of The direct deposit. lease fund. >> Some of those are. >> $136. What's that? >> What is it? >> $136. coal. >> qualify. >> Yeah, what's. >> washer and dryer. >> Are we renting or. >> No, no, it was. uh, what? 4 months same as cash. >> Yeah. >> Because it hit just a couple days after. that. >> That's because I went she Okay, it's set.

up through her account. >> I wasn't paying attention. >> to be paying it. She wasn't paying it. So then I went online and paid it and. then I submitted the payment and it. didn't show that it cleared. So then I. did another payment and and I went back. and I was like, "Oh, okay, so I just. double paid on it, but whatever.". >> Uh, Snapchat. paid for Snap. I thought she was the. Snapchat. >> No, it was uh, I was restoring a streak. with my daughter. >> Uh, okay, the 13-year-old? >> Yeah. >> Yeah, okay. Ben we owe money, a lot of. money. Amazon, Amazon Prime Video, Ben.

we owe money. Amazon and pull up the. Amazon, Spotify, Afterpay. Amazon, Walmart. >> Yeah, but the Walmart was $54. Hard to. know if. >> groceries are from Walmart. >> I hope so. Sonic Drive-In, that. certainly ain't groceries, I'll tell you. that. Zip three so much you three so. much zip and what are you zipping, Zip? >> Uh, that was my daughter's tennis She. started tennis this year, so I got her a. racket, shoes. >> zipping. >> Yeah, but. >> money. >> I I know. I know. I'm at the point now. where where I'm making money, so I have.

like the opposite side of the spectrum. Like I look at my account, I'm like, "Oh, I don't want to spend the money.". So then I'm like, "Oh, paying for." I'm. like turning into like the Jew because. it's like I don't want to see my account. fall below a certain. >> a certain level. >> Are you a Jew for not wanting to lose. money? >> Yeah, see, well, I didn't say I don't. use the paying fours anymore because I. didn't realize like the 30 per whatever. interest rate they charge. But when you. do $200 like 30% Oh, it's an extra 10. bucks or whatever over a month. >> I don't understand how this being Jewish. wanting to have money in your checking. account. >> Uh, come on, do I really need to explain. the stereotype?

>> I do, but just having money. >> right. >> Yeah, but just having money isn't. Jewish. >> I know, but. >> I would I would say having a lot of. money. >> Well, for me is a lot of money. >> Yeah. >> Well, for me is more money than I'm used. to having. >> For you, not for the Jew. >> Exactly. >> Okay, well. Venmo and out money, Prime Video. >> Subs, probably. >> Amazon Amazon Groupon now, that's. Jewish. >> Oh, yeah. I remember what I did on there. Venmo. and out money. >> Yeah, drinks a lot of caffeine. What are. we Venmoing hundreds of dollars to? >> Probably labor.

Or. >> thought you said there is no one. >> My kids help me. >> So, your kids. >> Then my niece also helps me sometimes, and then every once in a while if I'm. packed up, I'll hire somebody. >> What about when your kids are in school? >> Um. I'll just do it by myself. Yeah, I'll. just do it by myself. >> Okay, Venmo Venmo Amazon Amazon pull up. your Amazon. >> She should do that. She's the one who's. doing the Amazon. >> Lady, now. Amazon. More zip you zipped. Amazon. Amazon Amazon. >> That's the same zip.

>> Venmo, Amazon, Amazon, Amazon. A lot of. by the way. This is this is a. crazy statement. Facebook, you're paying. Facebook. You paid Facebook. >> uh probably a verified badge or. whatever. >> What the What do you need to be verified. on? Open your business, maybe? Business. You're monetized? What are you monetized. on? >> Making a whole lot of 15 bucks a month. >> Doing what? >> Just making reels, content. >> What reels? Blackface reels? >> Lawn care, uh opinionated pieces.

>> What's your most radical opinion? >> Um. government sucks, left wing right wing. sucks. Probably the biggest one that I'm. on now is. >> Government sucks, but he wants He's. going to be happy when he gives millions. of taxes to it. Okay, it's an. interesting philosophy. I don't think. that's a radical position. No one really. likes politics. Well, certainly, but. whatever. Okay, that that's not a fun. radical. Do you not have a fun radical. position for me? >> Uh. No, not really.

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check out these three programs from. personal loans to debt relief to car. insurance to see if you can save a. ton of money across the board. Go to. CalebHammer.com or the Caleb Hammer. financial resources part of the pinned. comment or description below and save a. ton of money. I mean Personal. account- personal accountability is like. usually my main thing. Like you know work work hard. >> You know the. >> like you said there's no excuse. I grew. up in whatever, you know, if I can do it. you can do it too. That type of. >> I thought you were about to talk about.

the Jews a few minutes ago. >> No. I can't. >> Scared? >> I can't uh. >> Scared of that? >> Yeah. >> Scared of them? >> Not a good look. >> But you were going to show up in. blackface. We had to tell you no. >> Yeah, that should tell you something. >> That's the first time I've ever heard. him say that's not a good look and. actually cared about something. >> That's that's that's that's what I'm. talking about. >> on camera, >> No, that that the the Jew topic is a. little more. you know, controversial probably than. blackface. >> Yes, I'm asking for your controversial. take. I'd like to know where you stand. in this world. >> AIPAC sucks.

BB's terrible person, terrible leader. That's it. Zionism is bad. >> Question on Zionism, what's Zionism? >> The Christians who support and believe. that Israel is the holy land and we must. protect them at all costs. >> Okay, if I'm not mistaken, I think the. original version of Zionism, like the. definition is just that there should be. a Jewish state. >> That's. probably fine. >> Okay, so like classic version.

>> Yeah, there's nothing wrong with like. Israel as, you know, a place. >> But I don't think that's how that word's. used very much these days. >> Yeah. >> Uh I don't know. I think this is Okay, we got a high chair, hair extensions for. kids, uh fake plants or watering pots. I don't. think we need that to survive. Same with. the body mix. We don't need that to. survive. >> a. >> chalk markers. >> Tattoo removal I'm doing. My grandma. gave me an aloe plant, so I. bought a. >> What? >> I'm getting tattoo removal, so I got an. aloe plant to. rub aloe on it. >> Okay, we got it.

>> Uh. >> Probably cheaper than this. Watering. plant. >> But aloe's good for a lot of good stuff. >> Honestly, I think I think that was the. cheaper route. We got the plant for. free. >> 30 bucks but you can use it a bunch. >> So then you got to go to the water Yeah, but a little aloe thing. How often are. you getting a tattoo removed? >> Every 4 to 6 weeks. >> Aloe is amazing. I mean sun burns. >> What book? The The The book called. divorce. >> Oh, >> Why is that? Looks like a good book. >> How does it? >> I'm not even married. I don't have. anything to prep for. >> Yeah, that's true. That is true.

Rose gold plated chain, go. yourself. Do we not know what situation. we're in here? That's not funny. >> Purple hair mask. >> Lots of cables. Oh, thank goodness you canceled the. airpods cuz you can't afford that. Oh, you don't NEED A SOUND BAR TO. SURVIVE. >> YEAH, I bought I bought 55 bucks. >> Shut the up. You don't have that. You don't have money. >> a VHS and a DVD player and the aux. connect made a sound. bar. >> know. >> all.

>> should see me when I'm riding around on. a lawn mower and I get a notification. that Amazon $20 Amazon $30 Amazon $20. And then do we have a conversation about. it? >> Yes, I have a conversation. >> what does that look like? >> Uh why are you buying on Amazon. that we don't need? >> And I'll be like, we need it. >> Everything is a need, Caleb. If you can. use it, it's a need. >> that was a need, by the way, on there. except for maybe the high chair. >> His work pants, those were on there. >> Okay, I'm fine with that. I'm not fine. with the other 80 items. Yeah, how about. this? Girl.

>> We haven't even got You haven't. >> My daughter's hair bows, okay? Is she. just not going to have bows in her hair? >> Yeah, that sounds like a need. >> colored bows and the hair extensions, you did not need that. >> You haven't even got to the the tax. credit statement from her. >> Oh. >> We originally were going to come on. This was right after taxes had hit. She. spent like over $2,000 on Amazon. >> Yeah. >> On things that we needed. >> How am I supposed to be a homemaker if. you don't want me to make the home a. home? >> You don't. >> Oh, you don't. I'm not there enough to. care, so. >> I mean, I am. [clears throat] That's the.

thing. I have to look at the same four. walls every day. >> Why are we spending so much on the chime. credit card? The new balance is. substantial. >> was just um the the chime whatever like. kind of like the fizz or mine card. whatever it's called now. That's what it. was. >> But the balance is still substantial. >> Anytime I would use my debit card, it. would just be through that. >> Well, it's $3,451.57. now. You're going in and getting some. again. Energy drinks, use Gamer. Supps, Netflix, getting Level. order, Sonic Drive-In, Chick-fil-A. It's. all Going in and getting some.

Energy drink, energy drink, energy drink, Taco Bell, Steak 'n Shake, Stars Entertainment. Who the even. gets that Cash advance ATM. withdrawal, $300. What the are. >> Hold on, that was for Oh, that was that. was for my son's dirt bike. >> Energy drink, Chick-fil-A, Texas. Roadhouse, Imo's Pizza, Imo's Pizza, sunglasses, Concessions by below, Dairy. Queen, Schnucks, and energy drink. The. spending on here is insane. This is. crazy, and you do owe it.

>> Hey, 50% of all of my. >> to be able to spend more on there, you. do owe it. >> 50% of my energy drinks. >> So, the ending balance in your chime. secured, this is the chime secured card. Now, this is a separate one. The one. that I think you were talking about is. $5,398. Okay. And that's just moving money back and. forth. Listen, once you're ready to get back. into the workforce and not be a surfer, please, for the sake of every man, I'll get you a Course Careers. Certification. A lot of people in the.

audience have used that. That you can get in project management, and tech, and the trades, converted into. a six-figure job like many people out. there have. They're incredible. I'll get. you that for free. You guys get a discount, but Okay, Equifax, what is this? Okay, so this is. your Equifax. What is this? A credit. card. TBM. mail? >> That's my also MasterCard. >> Can being told you're practically the. dumbest guest that's sending statements. we've ever had. Why are you over the limit? $581.

>> Yeah. >> The limit is 500. >> Hold on. Hold on. Uh. that might have been a fee. >> Why? Miss payment? It's a $40 payment. >> it's not a miss payment. It was a late. payment because I'm an idiot and I. didn't realize that even if it's 1 day. after the due date, they hit you with a. Why would they not? >> I do. I thought it was you missed a. whole like month. You like you you know? >> No, that's when it becomes a miss. payment on your credit. >> Yeah. Let me see, dude. >> paid that once. That's only happened. twice or three times. Once on that card. and once on. >> the limit already? >> Uh.

>> I'd like to see what you're spending on. this, but you didn't send me the. statement because you're you sent me. statements. >> know. >> What is What is the. >> would have to see my credit card. The. lip thing. >> It's cleft lip. Cleft. >> What What is it? >> You're born with it. >> You're born with it? Is that a brain. injury? >> No. Wait, the couldn't you send us. >> statements? >> I don't remember why I didn't send a. statement for that one. >> Why any of them? I have the all credit. report now. >> There are statements. >> of this is all the credit report. >> Okay, literally, except for your chime. They up. I emailed them. >> Emailed them? What do you What do you.

mean? >> I emailed the statements. >> No, you didn't. >> Yes, I did. Do you want to pull up the. sent on my phone? I 100% did. >> You could have you have to. You can pull. it up. Pull up the email. Yeah, pull it up right now. Let's see. >> Casting, it's on the casting. >> Really? Any? Cuz they're. >> Which exactly? >> Uh that was the sent my. >> I couldn't. >> You couldn't send a PDF to save your. life. You couldn't hear as well. as you can see. >> person on the show. >> I'm saying. >> Yeah. Well, then that's probably why it. didn't come through.

>> Cuz you didn't send it. Yeah, that that. would That would do it. Wait, I'm being told you want to join. the Air Force. >> It was a MasterCard. >> What? How? You can't be a pilot. >> No, I can't. I'm too old. >> Well, that and. >> Air Force Air Force is the only thing. that I can Actually, you could join the. Army, but I don't want to do that. >> you want to do in the Air Force? Why do. you want to join the Air Force? You have. a good business going on. >> Because the off seasons suck. for one, but also like. I I want to make more money on a.

consistent basis, like. >> Yeah, but you'll be away and all this. stuff and you have so many kids. >> we get married I only have to go to boot. camp and then the job training and then. they'll be shipped out with wherever I'm. at. >> Okay. >> So. >> What do you want to do? >> Uh something in like cyber security or. intelligence, something like that, something along those lines. >> Okay, I'm being told you want to get. injured and get the benefits. Oh, the. benefits are great, but that benefit, the disability. >> Uh VA loan, the boots to business, the. disability.

>> the disability though. You won't be the. person. >> You know it, buddy. >> You guys. >> exists, man, why would you not? Why would you not? >> Yeah, it doesn't mean you're not a piece. of for it. >> you I could sure, fair. You're entitled to your opinion as I am. entitled to. >> Also, that's barely even an opinion. Abusing a system that's meant there to. help people? >> Yeah, but it does help people. >> It does. So does food stamps, doesn't. mean you're not abusing it. >> Yeah. >> Which makes you a piece of. >> No. >> Okay. >> Oh, I'm glad. I'm glad you disagree.

The. and sent statements. That's who we cared. about, his opinion. Okay, um Atlas. we owe $218. >> What the. >> I don't know. It's Web Bank or ETLS or. Imagine. It's. >> Oh, that's an that's an Imagine Visa. >> Okay, you owe $218 on this. >> Yeah. >> And the minimum to pay is $27. I'd love. to see what you spent on it, but again. you can't It's hard for me to give the.

advice of like what to cut back on. What you even spent on it to get it to. that. It's hard for me to give any. advice of what to cut when I actually. don't even know what you're spending is. outside of your checking and the time. credit cuz you can't send statements. I. can't. >> [laughter]. >> I can barely do a full I can do a budget. at the end. but I can't say what to adjust from your. current cuz I don't know what got you. here cuz you can't send statements. >> I wish I would have told me. I said those on 6 2. I said those were. on 6 2. Somebody should have said, "Hey, we didn't get any payments from you.".

>> you. We tell you. >> By downloading the Dollar Wise app, I. can tell you what I spent. >> went over all of it on the phone. >> I don't remember. >> As you were going through the credit. report line by line. >> Yeah, I sent the credit report and that. went through. >> You know that. >> Yeah. >> We. >> So, I just don't I don't understand why. the other statements didn't go through. I sent them the same way. Actually, no, they were not PDFs. They I. screenshotted them from my phone,

cropped it, and I sent them in the email. as a picture. >> The PDFs? >> what happened then. You went to go send. the pictures and you didn't select all. the pictures that you needed to send. This would be my guess. >> Dude, I don't even know what to do with. you. Okay, well, this one's in. collections. Applied Bank. >> That's a credit card. >> Yeah, but it's in collections. >> Yeah. >> Why? >> Uh so, that would be whenever I tried to. buy the company. Um. >> $525? That's all that's in collections? >> No.

Um I tried to buy the company. I was. working for salary for this guy for. 60,000 a year. I had a a credit card. I. was doing good. I was making my. payments. >> that? >> 2 years ago. >> And you didn't file your taxes? >> No. >> And you were on benefits while he made. $60,000 a year? >> That. >> that? >> I hate this country. >> No, you I don't think so. >> going to last another 250 years. >> I wasn't at that time. because. >> on yeah, I couldn't. >> Yeah, I don't think she was on that. >> had no benefits whatsoever? >> No. >> Okay. >> Um. >> say so. >> But I was claiming like a thousand bucks. a week. We had lost.

>> But so, I basically lifestyle inflated. I got I took on two personal loans. I. had a credit card. I was making the. payments on all of them. Then. >> the business? >> No, this is pre pre-buying the business. So, I wanted to buy the company from my. boss. He wanted to get out of mowing. I'd been working for him for like 3. years at this point, doing everything. besides basically cash in the checks. So, I'm like, "You know what? I can. start my own company." He's like, "Well, I'll sell you mine." And I'm like, "Okay." So, he tells me what he wants. for it. I don't have the best credit. I. contact SBA uh. >> How much was it going to cost?

>> It was like 120,000 for all the. equipment, all the. uh clients and all that stuff. >> Sure. >> And so, I contacted SBA lender. She goes. through my credit report. We get, you. know, everything where it needs to be. And she's like, "Well, you need a. cosigner.". And I'm like, "Okay. Well, I could try. to find one." So, I reach out to a bunch. of people, can't get anybody even if I. offered them like, you know, monthly. payment or percentage or anything like. that. And I was like, "I'll ask her. grandpa." And he's like, "Yeah, I'll do. it. Bring me a business plan. Show me. all the, you know, business revenue, everything they make, what they're.

doing." And I'm like, "All right, cool.". So, we get going. Go back to her. She's like, "We could do. it. It's going to be a variable rate. loan." And he was like, "Yeah, I don't. know about a variable rate loan." I. talked to another guy. He said the same. thing. So then, my old boss was like, "Well, go to my bank and ask my lender.". And so, I go to him, talk to him. He. pulls it up. >> The one with you didn't get approved? >> I didn't Well, because the the other. lender gave me an option. He said, "Do. this, this, this. Take care of these on. your credit report, and we'll talk we'll. get it done." So, it takes me like 3.

weeks. I get everything paid off. I go. back to him. And then he's like, "Yeah, we're not going to do it.". >> Okay, wonderful. So, great. Uh. TBOM, um you still owe on it. It's not in. collections. $1,550 $1,055. It's a. credit limit of a thousand. Minimum. monthly payment $53. Don't know why the. it's over the limit. Can't see your. spending. And that'll be kind of what's. happening. This is a collection. Uh I. don't know what it was for cuz it's a. part of the collection agency now, but. it's 850. It doesn't You didn't answer.

why things were in collections though. >> Uh because I cuz I. >> my question, by the way. >> Because once I couldn't get the loan for. the company, I had already started. marketing. I had already started. marketing for my business. And I. >> No, because it. >> How else are you going to get a business. off the ground? >> to go through. This guy made it sound. like the banker made it sound like if. you get these things done, we will do. the loan. I understand that, but I was prepping, rolling, getting trying to make sure. that as soon as we hit the ground, we're. running. >> That's why he's in this position. >> And so. >> Yeah, I keep defending him.

>> Here's the other thing. My cousin comes up to me who's been. roofing for like 15 years, and he goes, "Look, you do the lawn care stuff. I'll. handle We can open a roofing side of. this company as well, and I'll be the. project manager basically.". >> Doesn't mean you should be doing all. this money behind marketing before you. own the business. >> Yeah, I understand that. >> the are we talking about? >> the roofing supplies, I get the roofing. materials, we start doing some roofs. Okay? So, everything is taking off. I. tell my boss, "Hey, I have to quit. This. roofing stuff is.

going along. I'm taking on landscaping. jobs. I don't have time to dedicate to. your company and my business." So, I put. in my two weeks. And then turns out my cousin who told me. all this that he could do with. roofing had no idea what he was actually. doing, couldn't project manage anything. >> Almost just like you. That's crazy. >> Yeah, so. I don't have a job. >> Okay. >> Loans didn't get paid, credit cards. didn't paid. You ask how that happened, there you go, that's how it happened. >> Okay, student loans, who's this for? >> Me. >> Okay, it's not huge. What's the.

What's going on with it? >> I went to do. online at WGU for an accounting class. I. had a. >> You haven't made a payment. >> I had a Pell or a FAFSA. >> WGU, everyone WGU, man. >> I ended up dropping out. Um. >> Why did you go to Governor's University? It's like. >> So, it went to. I guess default. >> Okay, uh $2,437. What are you making payments? >> No, it's on uh hold or I don't know what. happened with it.

>> Well, you would have requested it at. this point cuz it wouldn't be automatic. >> like a I don't know, 2 years ago. I have. no idea what's going on with. >> look at it because that actually might. you. And they'll put it in default. like 11% of student loans out there. so. >> Okay. >> call them. Again, it's hard for me to. give advice without actually seeing. because you won't give us but. cuz you're. Okay, collections. Your student loan payment, by the way, is probably like. 30 bucks. >> Okay. >> Um. >> I'll look into that, then. >> Yeah, look into everything actually.

would be preferred cuz then I'll have. information. Okay, collections 3,420. probably for the roofing the. >> No, one was a personal loan for it. Was. that LVNV Funding? >> Yeah, yeah, and the three of them are. >> Yeah. One was for like carpets for the. >> Yeah, you own a home. Guys, these are. the guys getting their own home. All you. have to do is scam the system, you know, get a home. >> No, we bought that like 10 years ago. >> Yeah, we bought it before we started. scamming the system, long before that. >> And then inflation happened. >> Wait, what? Huh? You only owe 44 43,000? >> Yep. >> 4,300?

>> Yep. >> 4,000 4,300, whatever it says, yeah. >> Oh, yeah, 5,000 something 59. We bought. it brand new in 2016. >> what? >> 2016. >> Trailer? >> Uh-huh. >> Oh, you got Okay, you guys are not. homeowners. Got you. >> No, we own it. >> Yeah. >> Yeah, not a not a home. >> Yeah. >> Yeah, not a home. >> a trailer. >> Right. >> It's a depreciating asset. It's a house, you don't own a home, and it's a. depreciating asset. Do you own the land. it's on? >> No. >> Okay, so no, and this isn't That's not a. home. >> You'd be surprised what they sell for. >> It That it's it's better than before, I'll give you that, but you certainly.

aren't getting like the real estate. market value, and you do definitely. don't own land. >> No. Affordable housing. >> Child support enforcement? >> Yeah, so that was supposed to be written. off um whenever. >> It's closed, but it's not off your. credit. The payment is 100 bucks a. month. >> Yeah, we have I have 50/50. >> You owe 7,749. >> It was supposed to be whenever I was. getting that loan, my ex wrote um when I. was trying to buy the business, she. filled out a form to get that stuff. taken off of my credit. report. Um and.

>> Well, it's there. Are you making the. payment? >> didn't go through. No, because we have a. We have 50/50. I pay her. >> Let's let that go to collections. Okay, this Amazon card $139. Yeah, that'll just be paid off with one. payment, so. I'm not going to worry about that. Upstart, what's going on here? Oh, it's. in collections. Yep. Yeah, that's wonderful. Listen to him for advice. Upstart, $502. First premier in collections. >> Credit card problem. >> 49 or 658.

Is this what you want to be with? Car. Hey, it's active. What is it? What do we. have? >> What's the. >> It's a car. >> I have a truck. >> It's a vehicle. Yes, okay. What is it? >> Uh 2003. Ford F250. >> Okay. Oh, okay. How is it? >> Uh it's. >> $8,022. [clears throat]. >> Does the job. >> Payment 332. I don't know the interest. rate. 25%. 25%? Why? Well, cuz you have a chance of a.

collection. Because you refuse to be a. responsible adult in any aspect of your. life. Well, whatever. That's pathetic. You want to be with that? >> Yeah. 25. >> You guys just got another show. I mean, I've honestly given up on your yours. life. So, it's a tip-typical value from. that car right now is about 5,000 bucks. >> It is to do now. It's less than that. >> Yeah. >> Oh, great. Well, you owe. 8,000 at 25%, so. >> Yeah. >> I mean, guys, I don't know. It's just. the way you live life is kind of. pathetic. Your world views are kind of. pathetic. It's just like what hope is. there? Little. But, let me try to do a.

budget, you guys. Um your minimum due payments, and yes, this will consider a mortgage, cuz it's. not really a mortgage. It's just a. loan on a depreciating asset. >> I mean, you can. >> It's a lot. >> it does depreciate. >> $4,105. Yes, it does depreciate. >> 100%, but we're going to get all of our. money back and then some once we sell. it. So, at least we had a place to call. home for 11 years. >> It's not I'm not I'm not I'm not. trashing that. I'm just I can't give it. the benefit of real estate. >> Okay. >> It's not real estate. >> Okay. Yeah, right. It's not.

>> It's like personal property, right? >> It's like a vehicle. You own a vehicle. >> Personal property, personal property. Whatever, I don't care. Uh income, are. you setting 30% aside for taxes? >> Uh this year, no. No. >> Well, I'll give you an income of 5,000. cuz you should be. >> All my deductions, there's no way. That's why I'm not. >> Yeah, I would I would love to see you. get audited. What is your rent to the. land? >> 410. >> Okay. Utilities and everything, does. that come with it? >> Uh no. Electric's 180. >> All utilities combined plus internet. >> Just electric Electric's 180, internet's.

50. >> Okay, 230. Phone bill, how much? >> Uh 246. >> WOO! [screaming]. WHY? >> SHE has a new phone. The new phone. >> When you guys are done, I would just. switch to Helium. It's 15 bucks a line. It is so good. There's kids lines as. well with great protections. I think. like zero bucks. By the way, it's same. coverage as like T-Mobile and stuff. So, I would definitely do that, but you have. to pay off your phones first. Gas and. vroom vroom drive drive, how much? >> That's a hard one because of what I do.

>> Average? >> Uh I mean, last month I spent $3,700 at. on gas. >> Okay, perfect. Car insurance, how much? >> Uh that is 250. >> You have insurance on the house? >> Uh it's included in the mortgage. >> Okay. Uh necessary food, it is a little. difficult with that. I'll give you guys. like a thousand bucks. I think it should. be fine. You're just meal prepping like. crazy. You probably eat out like crazy. I just can't see. >> I want to meal prep because I spend $10. a day. >> Yeah, you do. It's insane. Absolutely.

>> on flat breads. >> If you find anything else you and your. kids need to survive is 300 bucks. It's. toilet paper, it's school supplies, whatever. Changes month to month, the. things. Medical health care, are there. co-pays on a monthly basis? >> Um I don't go to do I don't do anything, so no. >> Okay. I guess we're on government. Yep, okay. Subscriptions, I'll try 50 bucks, 60. bucks cuz you know, the kids and. everything. Uh you have pets? Yeah, you. have the dog. Just the dog? >> Uh we have two dogs, two cats. >> Okay. >> Yeah, I I honestly. >> It's $200 for pet insurance. You want to. keep them alive and certainly can't. afford what? You don't care? I'm not.

doing no pet insurance. Okay, he's evil. Why are you with this? >> He he literally doesn't care about. like we talked about the upbringing. When I grew up like animals were just. like pets. They're just They're just. pets. >> guess what? How you grew up was pets. As you have established how you grew up. was not good. Maybe become a decent. human. >> I. They're fine. >> That's weird. Pet food, how much? >> Uh. We went over. >> 80 bucks a month? >> I have everything written down. >> We went over it and I would say like for. litter and food. litter and food I would say like 200 a.

month. >> Jeez. [snorts]. >> Litter and food between both cats, both. dogs, and the litter. And the litter liners and we have to we. have a automatic litter box. >> a gym that's 75. >> Oh, gym 75? Nice. >> That's good. Um 80 for the animals. That includes. litter and food. >> Oh, okay. >> Okay, 80. 160 bucks is uh my kids' jiu-jitsu and. kickboxing. >> That's in the TPE fund. >> Okay. >> Where you put it is where you put it. >> Uh $150 a month on a trailer that I own, like a utility trailer. >> Well, that's a debt, right?

>> For work, yeah. >> Well, then I have that debt. >> Uh it's probably cuz it's like a. rent-to-own type. Huh. [sighs] I don't know if it pops up. on your credit. No, probably. >> Okay, anything else? >> Um Oh, yeah. $240 a month for her. blowy thing. >> Blowout? >> My portable breathalyzer. >> Oh, 240? Well, you do have to do that. >> And then $600 a month to her. grandparents. >> Do we have to do that? >> Yes.

>> Why? >> Cuz they're the ones who paid for the. DUI. >> They have said several times that. they're okay with us waiting until we're. at a balance. >> no. What's the balance you owe? >> Uh I just paid them 500 like 2 days ago, so. >> 600 a month for how long? >> 3,000, so. >> Okay, so there we go. I'll add three to. the debt. And. >> Hey, the rent. the rent-to-own, how much is that? The trailer. >> How much do I owe on it? >> Yes. >> Uh like 1,200. >> Okay, I have to add that to your debt. Okay, if if if $7,000 comes in and we. save no money for taxes, you technically.

have wiggle room of like 1,500 a month. I'm going to guess cuz your guys' budget. is messy and weird cuz I don't know your. your income's. But if you actually set aside money for. taxes properly, then you'd be fine. I. don't know your debt situation. You owe. like 18,000 to the grandpa, right? Or. something? >> Uh [snorts] eight. >> Eight, okay. >> She crashed her car without insurance a. few years ago and they co-signed for it, so. >> Oh good. Why not? So what's your debt? Like 32,000 actually in reality? I don't know. Again, it was a mess. You. couldn't send us 1,500 bucks a. month. You guys will be debt free in.

less than 2 years. Whatever. It's fine. >> I have no debt outside of whatever is on. that credit report. >> Like the rent-to-own and you have the. family debt. >> I mean collections wise or like anything. like that. >> Okay, that's fine. Collections does not. matter. >> My credit cards were paid up at that. time. >> Whatever, guys. Okay, less than 2 years. This is a mess. I can't do it for real. if you don't give me the actual and. I can't see the statements. So what a. waste of time. The post show will be better cuz I'm. actually going to go through something. fun. Whatever's hiding on that Snapchat. is crazy and I'm excited to see it. Let.

me tell you, it's going to be crazy. Join Hammer Elite. Let's get your Hammer. Financial Score first, your real one. Spending in a budget? Can't tell you. spending. So X, go yourself. I'll count. it as a zero cuz you can't send PDFs. Debt, you have collections, zero out of. 10. Emergency fund? Didn't see savings. >> no. >> Zero out of 10. >> Retirement, zero. >> Retirement, zero. Real estate, you don't. own land. You don't own real estate. >> to join. >> Air Force. >> Okay, Hammer Financial Score, zero out. of 10. I don't give a Let's go to the. post show. This is stupid. I'll see you. there. Join Hammer Elite. Three premium. shows better than the last 20 minutes of. that piece of I'll tell you that.

Uh every single day, 6 days a week, it's incredible. Join it. by clicking the join button or link in. the description below. Or you can go off. platform hammerelite.com or join in the. Hammer Elite app. See you there. >> Thank you. >> Oh, lots of messages from people. Some. women some men. He asked, "What are you. comfortable with? Nudes in the bath, good. full body, titties, ass, late. what? >> Yeah, what the is that? >> She said, "I know I said knows about it, but he doesn't lol.". >> Hi, you can save those pics, but can you. delete them from chat just to be safe? >> Don't you don't have to.

>> You can read it right there. >> No, I'd rather not read that crazy. >> It's not very much money. >> I go work 12, 13, 14 hours A DAY, SUSAN. >> I JUST LAUNCHED THE BRAND NEW HAMMER. Elite app [music] available on every. major platform. So, you can watch every. show anywhere you want. You'll get three. exclusive dedicated shows every single. day, Monday through Saturday. Refer a. friend after you sign up and you get an. additional 30 [music] days of Hammer. Elite access for free. Download the. Hammer Elite app by using the link in.

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