The Biggest Losers Ever On Financial Audit

His credit score is actually four. I. didn't know that that was possible. >> I didn't either. >> He's a loser. >> Well, he was the bad boy, yeah. >> You're getting shamed for not doing the. dishes even though she doesn't do. anything all day. Your life sucks. >> Are you going to let him say that I. don't do anything all day? >> No, she she does do a lot. She's. actually you're whipped. >> Oh, I hold people's hands when they cry, but a little bit of pushback on you not. meal prepping and brings you to tears? >> I feel like I've ran our household by. myself for so long and he has a ring. I. don't know if I'd say yes tomorrow.

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promise. >> I'm Mason. I'm 27. >> [music]. >> I'm Maya. I'm 27 and we're from Austin, Texas. >> And this is Financial Audit. >> [music]. >> Yes, it is. Thanks for coming into the. studio, guys. Nice to have a local. That's rare these days. Okay, what do you do, Mason, for a. living here? >> Uh I actually sell car keys. I just. started this business or not started. >> sell car keys? >> Yeah, car keys, key fobs, remotes. If it. starts your car or locks it, I can make. a duplicate.

>> Well, why was I like supposed to be. surprised? Like, I like I actually sell. car keys. Uh okay, like yeah, you have a. job. >> Yeah, most people just don't know you. can get it from not the dealership. Okay. >> Cool. You sell car keys. Is this a. commission-based thing? >> Uh it is commission-based. >> Very good. You're the salesman. >> Yeah, I'm the salesman. I make the keys. as well. >> He's going into his pitch right now. You. can move on. >> Anyways, >> yeah, hopefully I'll be running my own. business in the next year. >> What business? Car key business? >> Yeah.

So it's called. >> Are you talking about you being a. franchise owner? >> Uh it's. >> starting your own business. You're. running a franchise. >> Basically. >> Which I mean, yeah, that is like you are. kind of in the business owner sphere. there. Definitely very close to it. Um. actually I mean I would say you are, but. that is different. You're not like. starting something from scratch and. building up. You have a model that. works, so that's different. >> Exactly. >> Well, okay. Well, there'll be lots to. talk about there. That'll be. interesting. But what are you making. now? >> Uh right now anywheres between 500 and. >> Wait, what? Pause. You've had the job.

for like 3 weeks. How the are you. telling me you're going to open a. branch? >> 500. >> to open a branch? You've had this job. for 3 weeks. >> Yeah, the goal is is in 6 months I'll be. running my own business. >> been there for 3 weeks. How do you even. know if you like it? >> Actually, he does his manager and him. like he's mentoring him. He's already. been promoted. They're they have like a. track with it. >> weeks? >> I agree with you. I think it's. ridiculous. >> like who smoked and met there something. I don't know what's going on. They're. you're not promoted What what are you. talking about? What's this promoted you.

got in 3 weeks? >> When you start OFF. >> WOW, YOU'RE INCREDIBLE. Run the whole. thing. >> You start off with sales. Sales are up. >> do. >> Yes. And then you go into actually. programming and cutting and making the. keys. And then you go into running the. van. >> That's just like basic labor that you do. at a factory. That's not like. >> Basically. >> Okay. >> But. after I do that for a little while, then. I'm starting inventory. >> A little while? What do you mean. starting inventory? You've been there. for 3 weeks. What do you mean little. while? This sounds like you've just been.

trained to do the job, not being. promoted multiple times. You're just. unlocking new things you're supposed to. be doing for the job. It's like if I was. a cook, I'd eventually learn how to get. to the filet. It's not like I got a promote. Did you get a pay raise? >> I got more sales. >> Why are you telling me you got a. promotion? You didn't get a promotion. >> I This dude gaslighting you or he's just. excited about keys. >> that he. >> And we're unlocking things in your. just in your training. That's all that's. been happening. >> Basically.

>> Don't go around telling people you're. getting promoted, guy. >> But it is a promotion. >> How? No, it's. >> Because I wasn't able to do it before. And then I unlocked it and now. >> It's not a skill tree in a video game. >> I could see it being that though. >> It's not a job promotion. >> on video games. >> That's fair. >> Okay. >> I don't know if I will. I don't know. Don't tell me what. >> Anyway, in 6 months I'll be running my. own van, hopefully. That is the goal. >> Van? >> So, it's a van. It's a road show. >> just see some of that. Looks like you.

pulling up in a van in a neighborhood. >> The worst part is it doesn't Yeah, it's. at Costco. So, Costco, Sam's Clubs. >> They work as partners. >> Partner with them. We sell the keys, make it in the parking. lot. Costco is the one that actually. gets paid. >> Very good. All right. You You unlock van. at the end of your training cycle. >> Basically. >> Okay, so you've been working for 3. weeks. How can we even tell How can you. even tell me how much money you make? In. 3 weeks it's it's very difficult. Maybe. it's been the the best month for keys.

>> Uh yeah, it's definitely fluctuated. >> He said. >> Fluctuated hits a lot in 3 weeks. So, we. can't even tell him. >> It went from 500 to 900. In two paychecks. >> Huh? No, what? What do Why do you keep. saying things and making noises? What. are you adding to this conversation. right now? >> I just don't think that he knows. completely what he's talking about. because he doesn't keep track of any of. this stuff. At all. So, I just. I. >> Keeping track? It's been 3 weeks. What. are we talking about keeping track? What.

track are you keeping? Have you even been How many paychecks. have you received? >> Two. >> Okay, what do you mean he's not keeping. track? >> Well, he. >> 500, 900. Where's the keep track? >> He just sends them like over to me at. the end of the day. Like there's no. tracking as to what his check is. He. didn't know what he got paid or not? >> Yeah. >> Is the 500 correct? Is the 900 correct? [clears throat] If he gave it to you, can you tell me? >> It was 620 something. >> the first time in this entire. conversation, I was actually talking to. you and then you didn't talk. Cuz. usually you're talking when I'm talking.

to him. >> Sorry. >> Um. the five you said he sent you the. paycheck. He said he got 500 and 900. Are those correct? >> Yes, Net. That is correct. >> So why are you interjecting and saying, "Oh, he doesn't even keep track." I'm. sure you don't Guys, I'm sure you don't keep track of either. of you or else you wouldn't be on this. show. Let's be honest. But either way, why would the Why are you talking. You wear the pants in this relationship. of mine, right? >> That's why we're here.

>> Oh, yeah. I'm sure it is, you little. cuck boy. I Okay, so you just Yeah, you. walk all over him. I can already tell. You You wouldn't even let me have a. conversation with him for 4 minutes. without you trying to make noises and. interject and say stupid that he. ain't care about. >> He Yeah, he stresses me out because it's. like. >> me out. >> That's fair. We're all stressed out at. this table then. Because it just feels like like it took. 2 weeks of him just to ask his boss what.

his commission rate was. Like he just. didn't know that. He was going in blind. I'm trying to like budget for it. >> a job without knowing your commission. rate? >> He didn't even. >> the job. >> Yes. Ask what the commission rate is. >> To be fair, I asked in the beginning. I. told her. >> You're going to "to be fair" me? "To be fair"? You "to be fair". Know your commission. rate going into the job before you make. sales "to be fair". >> Okay, "to be fair" what? >> I told her what it was in the beginning.

before I started. Yes. What the. commission rate. >> it then. >> He told me what the estimate but what. his manager said, "Here's the estimate. of what most people make for me, it's. around $1,300. That was the interview. conversation. He has not hit that amount yet at all. and like obviously he hasn't worked. there that long, but like it's not. looking like it's going to be $1,300. It. became, "Oh, well they usually make 700. to 900 on a good week." and then it's, "Oh, on a bad week 500 and we pay. hourly. Oh, we don't." So, I didn't have.

an answer and this 14% was after his. first check cuz we calculated it. >> Okay. Okay. So, this is weird to me planning. I mean I'm. I'm already being told that you have a. history of dipping out of jobs left and. right. Is that correct? He has a history of that? Okay, then how. the are we planning our entire. future around a job that you've had for. 3 weeks if you're endlessly dipping out. of jobs? What is your history What's. this history of jobs? I'd rather hear it. from you. >> Yeah, he has a habit of like not showing.

up or like being late enough that he. just stops going. >> Are you a lizard, dude? >> Um he also has a habit of just taking. whatever job falls in his lap. He hasn't. had a career path or anything that he's. had a goal for until this job, which is. why I'm like I want to support you in. this cuz. >> If he's been there for 3 weeks, can we. at least let it sit for 3 months before. If cuz I bet if you have a van, I highly. doubt they just give you, right? It's. probably going to cost some. You're renting it. Okay, so now you're. like a. prostitute. And they're pimping you out. I can see that.

>> It reminds me of an MLM a little bit. I'm not going to lie. Like a pyramid. type thing. >> Okay. >> Yeah. >> May I have the whiteboard? Um okay. How does How does this work? >> How does what work? >> Okay. So, you have a van. >> Mhm. >> At Costco. This is. >> Well, his boss has one right now, but. yeah. >> Well, you So, you would get a van. >> Right. >> Yeah. Very good.

That's you. Okay. So, your boss. Who's Who's your boss? >> Uh. >> I don't need an. Anyways. >> What's the context of. >> What's his role? >> He's the owner of that van. He's the. owner of that van. >> Oh, he owns the van? >> You're renting it from him? >> No, no, no, he's not doing any of that. yet. That's. >> No, no, in the future when you have your. van, who's your boss? >> Um. >> Oh. >> Not name, I don't need a name. It's not. literal who it is. >> The company. >> Yeah, just. >> Who's the company? >> [laughter]. >> He just wants to name all the names. I'm.

just talking about What is the context? >> They own all the vans or. >> Honestly, I couldn't tell you. >> You're saying this is your entire. business and life. >> Basically, they own everything. They own. the vans, they own everything, they give. you the van. >> and the machines. >> And yeah, the van, the machines, the. inventory. >> Okay. And they have more people under. them? >> Yeah. So, there's. >> All of them are. >> They're nationwide. They're nationwide. in Canada like. >> So, it's a franchise? >> Yeah.

>> Okay. So, there's more vans. Got you. They all go to the company. >> Mhm. >> Is that the main company? >> Yes. >> So, you're. The guy that you're using the van right. now, do you rent the van from him? >> I don't rent the van at all. He rents. the van from the company. >> no, I got that. So, that's that Okay. >> He doesn't pay anything. >> THE ANSWER WOULD BE NO, BY THE WAY. >> NO. >> That's all the answer would be. My I'm going to see you guys talking to. you. Good death, people.

Okay. So, the answer is no, you do not rent. from your current boss who owns the van. >> Yes. >> Correct. >> Correct. >> Okay. You rent from the van. Can you pay. Can you pay off. company. the van from the company? Can you pay it. off or is it a permanent rent forever? >> rent. >> Do you Who owns the van itself, the. physical asset? >> Uh. I believe it'd be the company. >> So, no matter what So, is that a. franchise and you're always paying a. rent for the van? So, they own the van.

>> Yeah. >> [snorts]. >> And his boss gets a bonus if he becomes. a franchise owner, suddenly he makes. more money, too. >> His current boss. >> boss? My current boss. When he promotes. me out and I get my own van, then he. gets like a kickback. >> like an MLM like. >> Kind of. That's what I'm saying. It. sounds more like a franchise with MLM. qualities than a pure. triangle. Um because for what it's worth, I mean, you're just working directly with the. company. You're not like under Like it.

would have been very triangle to me if. you were like under the guy that you're. in now. Like yeah, he gets a bonus for. signing you up for the franchise. Okay, I get that. But if like he owned vans. and he was you were using the van and. renting it out from him and he was. renting it out from the company, then. yeah, it would get a bit more triangle. to me. But I think it's it's more on the. franchise side and they just make a lot. of money because you're paying the rent. What's the rent for the van if you get. the van? >> Uh I believe it's $300. I don't know if. they just rent it out for a little bit. My boss currently has two vans and he.

pays $300 in rent. I don't know if it's. $300 per van. >> Yeah. >> Working in the van and you're one of the. van guys. >> Yeah. >> Okay. I don't I don't think it's full. pyramidy. Um but it sounds like a. Yeah, it's just he's franchising It's. like franchising out of McDonald's. almost and you got employees and he's. just franchising out vans. So, I. wouldn't say that. I don't know if it's. a good business to get into. I can't. necessarily sign that. I wouldn't say it's a full MLM, though. >> I definitely think it's better than the. previous jobs that he's had because.

there's been no like upward mobility. >> after like 4 weeks and never shows up. and losers it out? Dude, you're 27. >> It's a little longer than 4 weeks. >> How many jobs you bail out in by 27? You. guys have kids? You've been together for. a while, right? >> I have. Well, he has. two kids. >> guys have been together for 13 years. He. has two kids. >> I have two kids. We've been together for. 3 years. We've known each other for. >> third boyfriend in high school 13 years. ago and we've known each other since. then. >> Why? He's a loser.

>> Mhm. >> I was like the nerdy kid in high school. He was the bad boy, yeah. >> He was the bad boy? >> Yeah. >> How are you the. >> Look at you. >> I have changed a lot since then. >> in high school. >> What bad boy were you? >> I was I was the the party kid that. everybody knew and was at every party. >> just a drunk failure. Okay. >> Yeah. >> Well, you look at I don't know if you. are. >> I don't drink anymore. >> Okay. >> Yeah. >> Oh, he said it anymore. Okay. Great. Well, you know, I was just saying you.

look at So, what can I even say you. make? 1,500 a month? >> It It's looking like it's going to net. about like 2,500, I'm hoping. Hopefully. >> From the 900 and 500, how are you. getting that number? >> Weekly. >> Weekly. Okay, so let's call it 2,500. That's good. And sell keys, I guess. Maya, what do you do? >> Um I'm unemployed right now. >> Okay. >> I lost my job. >> for his job if you're unemployed? >> Um I'm unemployed. Why are you when he's.

bringing in the money? I get it, he's a failure in a lot of. parts of life, but at least he's. bringing in money. You're the one. without the job. >> my job in March. Um I have an autoimmune. condition that flares, and I was in and. out of the hospital at the time, and. >> you on disability or something then? >> I have applied for disability. We're. waiting for an answer. It has gotten. progressively worse over 7 years. >> What is it? >> Um so, I have type two immune. dysregulation. Um. I can show you a video. That's the. easiest way to explain or like a. picture. >> Okay.

>> But it's like my. >> me. >> My skin flares to a point where like I. can't regulate my temperature. I can't. move. I can't function. >> Well, we're we're applying for every. work-from-home job that we can, right? >> I'm applying, yeah. >> Which means maybe you wouldn't be able. to get disability. I don't know. >> No, I I don't know. I have applied. Um. it says that supposedly you can still. have. >> Okay, so how long does a flare last? >> It can last 3 weeks, 4 weeks, but right. now I'm on so I can I can take temporary. medications. So right now my skin is a. lot better because I'm on it. Um the. problem is you can't take it long-term.

because it like destroys your bones and. like cuts your immune system real bad. I've already gotten like infections from. that. >> not informed enough on this to give a. perspective so I don't. No, I. >> Yeah. >> Like I could sit down and throw up but. then I might be bad and I don't know or. I could say yeah, you're doing well and. then people in the comments will tell me. oh no, she's just being a lazy. piece of I don't know. >> You right. I would love to be working. I. would love to be I want like even when. I'm working full-time like I'm working. other jobs. Like I want to be working. right now. >> called? >> Um type two immune dysregulation. We are.

still looking for like the official. diagnoses. These are like parts of it. that I experience. >> Okay. Well, yeah, that's not going to. help us in this financial situation. Okay, so you didn't get unemployment. >> I did get unemployment. We have two more. weeks of it. >> Okay. Um okay, so. what's going on guys? What are we. talking about? Yeah, you seem domineering and. controlling. >> That's probably true. >> I don't know but you're also not the one.

bringing in money. I don't know. Like. okay, so you said even if it's with the. flares and you're like you sit all. day. >> I've been the main earner for like all. three years of our relationship. Uh my first like one was 80,000 and then. when I had like my own I was contracting. for a bunch of different marketing. teams. >> Okay, then the National Library of. Medicine by the way, it does say that obesity makes it. substantially worse. >> Yes. I appreciate that but. >> You appreciate that. Well, like.

>> I I appreciate that there's a lot of. things that could cause it and um the. reason I can't lose weight is because of. the inflammation in my body. The. inflammation marker is um so it slows. down all your systems. So my IgE, the. normal range is like. like four. >> at all your eating, you're telling me. you're at a calorie deficit every single. day. >> We don't eat multiple meals a day. We. can't afford to. >> That doesn't matter. Well, that's okay. >> I'm in a calorie. >> You objectively can. Either way, doesn't. even matter. Multiple meals a day, if I. eat two slices of cheesecake cheesecake.

slices, then I'm over my caloric amount. for the day. It's not necessarily a. amount of meals. >> I promise. And my. >> Well, your promise means nothing to me. >> [gasps]. >> Okay. >> I've had it on this show like multiple. times. >> marker that I have, the normal range is. up to 460 minus 15,000. >> Okay. >> So, it's like. >> Well, I'm just going to literally have. to take your word for it, but. >> You can take his word, too, if he'll. speak up at all. Like. >> Well, he's a loser and [snorts]. usually fat people make every excuse to. be fat. >> That's fair. >> But um including myself. So, like I I.

get it, but it it does say literally a 5. to 10% body weight reduction. significantly reduces flares for that. type of. >> Look up. hypereosinophilic. >> not going to look up I'm just. going to have to take. uh. your word on it. >> Mhm. Okay. >> So, it's like the question in the end. becomes so, now what? Okay, you can't lose weight cuz the. flare does that. The flares are worse. because your weight is high. >> So, >> think just morbid obesity just like just.

exists forever, though. >> I agree. So, >> just happen to the human body, yeah. >> It does when inflammation builds in your. body. Your system My system does not. like digest properly. Like it doesn't. function the way that a normal person's. would. >> know, but usually for people that have. digestive issues, again, I don't I don't. want to speak too much on something I. don't fully have the context behind. Um. but even for people I know that have. digestive issues, they usually have just. they have medicine they take to help. with their digestive issues. >> So, I take like six medications right.

now for all the. like things that this causes, right? But. we don't know what the actual diagnosis. is yet. I've been seeing a specialist. and oncologist for last year. >> I'll try You're just going to have to. tell me cuz I'm just going to have to. let her go on that one cuz I don't. know. But he smokes cigarettes. all day, every day. I think you guys can. afford more than a couple meals a day. The if he's doing like the most. expensive addiction that works. >> Yeah. Um. >> So, shut the up with that. >> I. >> Oh, you can't afford to eat? Yes, you. can. I can get you on a budget.

where you can Even still, with. this lower income, you guys would be on. food stamps. So, like, you'd be fine. >> We were on food stamps until we got cut. and then when. >> Why'd you get cut? >> I was I got my job. So, I we were making. too much at the time. >> so get it again. It's meant for people. in your situation who are in hard times. I'm not against that. You can afford to. eat. Why haven't Have you. applied? >> Do now, yes. We're waiting. It's. pending. >> Pending for how long? >> For about [clears throat] a month so. far. >> Okay. Okay, and then you're on insurance which. still or your unemployment which is how.

much? >> Um I I get a thousand every two weeks. >> Okay, yeah, you guys could eat. You guys could eat. With that, you're at. $4,500. You guys can eat multiple meals. a day with significant meal prepping. I. can get you guys on a budget. >> meal prep. That I think I would expect. that from. >> not meal prepping? You're telling me you. can't eat multiple meals a day? Then. shut the up. You don't get to play. victim. >> that? >> You don't get to play victim on. that. >> See, that's partially my fault because I. My job around the house is to keep the. kitchen clean and. >> It's not just that It's not just that.

though. It's like. >> Hold on, wait. He's the one that's. working. Why is he making the kitchen. clean? You're sitting on your. ass. With flares, I'd get up and clean. the kitchen. >> Uh it's. >> Wait, what? No, no, no. Why is that your. responsibility if you're the one. bringing in the money right now? >> Because the. >> That is his only responsibility at home. >> His is his responsibility is making the. money. Why can't you do it? You literally don't. have a job. >> do do it most days and it's supposed to. be under him. >> Well, meal prepping is a couple times a. week. I don't understand why you aren't.

able to do that when you do nothing. >> Because when I'm flaring, I can't do. anything. >> you're not always flaring. >> Uh it's pretty constant, honestly. >> not flaring cuz I'm on steroids right. now and I can't take them long-term and. I'm I Lindsey actually came up with a. good idea that I could potentially work. with a doctor to take them for photo. shoots or something that I can do like. money for. I just. >> Photos? >> Cuz I I'm a. >> What? >> I work in marketing. I have all of my. camera equipment. I own a photography. business. >> photo shoots?

>> Yes, to make money for us. Yes. >> sense. That makes more sense. >> Um, so I'm trying to find ways that I. can work, but it's unpredictable. >> uh. >> And. >> Maybe, I don't know. That's a very. competitive market. You you don't just. enter it and all of a sudden be. successful. That's usually. >> in it? >> Everyone has Every awesome photographer. has experience in it. You know how many. there are? What the do you think. you are? >> She actually went to school for it, though. >> No one gives a in the arts. The. arts is outcome-driven. No one gives a what degree or where. you went. It's a It's true. It's it's.

the social media present. What the. What Why are you guys pretending like. See, there there's actually something I. know about. The arts and out there. performing. There is something I. actually know about and just hearing how. arrogantly you guys are pretending like. you know everything immediately makes me. doubt everything you said about the. medical Cuz I'm not informed on. that, so I'm not going to push back. against it. But seeing how much informed. you thought about how she's going to do. in photography and all her in. school, it's like, no, you guys are. So, now I can't even trust your take on.

that medical Because you just. showed how arrogant you are. and pretending like you guys know. everything. >> I think you're wrong. >> Drowning in student loans with massive. interest rates? I see it on the show all. the time. People get a loan to advance. their careers only to be left with. sky-high interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less-than-perfect credit score and. hung up the phone. Maybe part of you. even thought, "Yeah, that tracks. I. guess I'm stuck." Stop it. You don't.

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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 personal finances. Rocket Money, they 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 in 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, poor people just like. you. No private equity, no gimmicks, just [music] the best budgeting app. there is. Download it now, start the. free trial. dollarwise.com. Link in the. description below. >> Um, I think the photography. >> Very good. So, you're making thousands. of dollars. >> It is entirely outcome driven. I think. that it could be supplemental income for. now. I'm not planning to stop. >> Maybe. How are you getting clients? And. what? What kind of photography? What are. you doing? >> Portrait photography, family. photography.

>> Okay, yeah, there's definitely none of. that in the entire. Huh? >> I I've done it in Steiner Ranch before. Neighborhood pages, post as a. photographer. I've gotten money from. that. >> doing that. >> I know. But I'm saying. that or like like I need to do. something. I need to in. >> If you're able to do that, why can't you. do something else? >> Well, because in that specific instance, I might be able to take medication for a. shoot, but being able to consistently. maintain a job with how the flares are. and how severe they can get, that's. hard. That's why I was struggling so.

much in my job. >> Yeah, potentially, but you're you're. discounting the amount of work it takes. just to even get a shoot on an ongoing. basis. >> I I That's what I'm saying. I don't. think it's ongoing. I think it's. something. >> if you literally can't move when you're. flaring, it's like. Okay. >> I Yeah, I have. >> So, okay. You're getting shamed for not doing the. dishes even though she doesn't do. anything all day. Rip you. Your life sucks. >> to. >> to let him say that I don't do anything. all day? >> No. She she does do a lot.

>> Oh, you're whipped. You're pathetic. Yeah, but it She she actually does do. The dishes specifically, the soaps. that we use flare her hands and cause. blisters and She can't do. anything. >> No, I really can't. And it it drives me. up the wall to work. >> are you going to do? >> Um. >> What are you going to do in life? Like. this is like time to give up then, I. guess. I don't like I don't [laughter]. know. I have nothing for you. If. everything in this conversation is, "Well, my flares." It's like, "What the. fuck?" Why'd you come to financial. audit? This isn't flare audit. I can't.

help you with your flares. Your your. body's That's not my I can't fix it. >> it's it's ridiculous. My parents have. offered to help us like pay for medical. for me to go to Mayo Clinic. That is a. natural referral, and we're going. I. know. >> Okay. Well, what can I do? >> The problem is that during like this. time, this is the first time in 3 years. I haven't been able to work, and I'm not. entirely sure that. he will maintain us. I can't work very. much and I'm. >> Guys, you literally told me you're not. meal planning and meal prepping. >> We plan We meal plan. I'm not like meal.

prepping breakfast, lunch, and dinner. >> Why? If we're crying about not having. enough meals a day when with the. unemployment you guys do make enough and. you'll get food stamps soon. Uh. and he smokes cigarettes all day and. you're paying for chat GPT and all this. Yeah, your little addiction. By the way, um. a while the current you meal prepping. Thank you guys. She has a real medical. thing. I'm This is how I'm reading it now. Just. with their arrogance and how they're not.

willing to cut back on things and just. how are they doing and then they. complain about the meals. If you guys. haven't picked up on this, I am now. She has a real medical diagnosis. But she's using that to be a victim in. everything in life. >> not. >> Well, you're having this conversation so. far. So, prove me wrong. >> It took me 7 years of dealing with this. >> we go. >> to get to a point where I could even. like get to like not working. >> Cool. I don't see how that How does that. make up for you being a victim of not.

meal prepping? >> playing victim. I don't want to deal. with this. I don't want to be. >> you're using it to play victim in. everything. >> I can't. >> So far. Meal prepping Oh, here we go. Oh, I hold people's hands when they cry, but a little bit of pushback on you not. meal prepping and brings you to tears? Meal prepping. Meal prepping. It's meal prepping. GUYS, IT'S IT'S IT'S IT'S MEAL PREPPING. I'M SORRY. I can't have sympathy for. >> It's not No, no, no. It's not about the. meal prepping. It's that I do everything.

in our house nonstop with this and I'm. being called the victim and you don't do. anything. You work. >> He's working. >> You finally got a job after 3 months of. us wasting the $12,000. we had in savings. >> If he didn't have a job, I'd be kicking. his ass if he's not helping around the. house, but he has a job. You don't. >> We. >> Why is it on him to deal with the. dishes? I'm sorry. If that's If. that's the big thing that holds us back. from meal prepping, >> says that it's on him to deal with the. dishes and he hasn't done them in like 6. months. So, I don't understand how. that's his [laughter] job.

Okay. >> Okay. He's pathetic for not doing it, but I'm sorry. If someone's not doing. the dishes for 6 months, I just step up. and do the dishes. >> do them. That's what I ASKED. >> THEN WHY ARE WE CRYING [screaming]. ABOUT NOT BEING ABLE TO MEAL PREP? >> RIGHT NOW, I can't like. I can't manage our finances well enough. to have money. >> up. I'm talking about meal prepping. I. didn't bring up finances yet. I'm. talking about meal prepping. You. literally cr-. pulled the victim card immediately 5. minutes into the episode about "Oh, we. can't even get three meals.

A DAY.". IT'S CUZ YOU WON'T DO THE DISHES. [laughter]. DISHES! I CAN'T HAVE SYMPATHY FOR THAT. I have. sympathy for your flare-up and not. working. That's why I haven't pushed. back in that. I didn't say go get a job. You haven't heard me say that. Cuz. that's real. I have sympathy for that. DO I HAVE SYMPATHY OF RUNNING SOME. A DISHWASHER? >> I I AM doing that. I'm not saying it's. going. >> Then why aren't we meal prepping?

>> It's hard for me to manage like all of. our finances and try and figure out. where we CAN GET MONEY TO DO THAT. >> Meal prepping's time. Meal prepping's. time. What do you mean? >> here so we can get your budget notebook. and all of the things that are supposed. to help. >> goodness. No, fans. Yeah, it's nice. The. 30-day meal plan is nice, but you know. how to meal prep. You're not. individuals. Guys, spaghetti and meatballs and. sandwiches. >> I can't eat half of that either.

>> Oh my gosh. Why am I even talking to her. then if she can't do anything? What can. you eat? >> It's kind of limited. >> Hey, what can you eat? WAS THE QUESTION. that you'll be answering? Thank you. >> Um we have like a set list of. >> Hey, what can you eat? >> I'm trying [laughter] to I mean there's. a lot I can't eat. I. >> Okay, let's talk about what you can eat. >> Okay, I can't have tomatoes. I can't. have any nightshades. I can't have. >> can. Can, do you know what the word can. is? Let's try can. >> All right, so like chicken noodle soup.

again. >> have her answer cuz like I don't trust. you. You're a little You're dumb. >> on how much I'm flaring, but I can have. things like soups. I can have like. chicken. >> meal prep. That's the easiest meal prep. Soup. >> That's what we've been doing. >> What? You just said you haven't been. meal prepping. We only only what? Two. meals a day? We we we we can only have. two meals A DAY. I'M SORRY. YOUR YOUR TEARS ARE FUELING. me this episode because they mean. nothing. They mean nothing. [snorts]. When when there's actually something sad. that happens in an episode, I'm sad with.

the guest. Your tears are pathetic right. now. >> I'm I'm I have a hard time with this. conversation um because. >> meal prepping. >> No, not of not meal prepping. This whole. thing. >> all we've been talking about for 20. minutes. That was disgusting. Control. yourself. >> [laughter]. >> Um it's just that like yes, there's a. lot that I can't do and it sucks right. now and meal prepping is part of it. >> Can we meal prep soup? You said you can have chicken?

>> I'm not I I. >> You said chicken. >> Yes, we are meal prepping like for a. couple days, but it's not like like a. week of like stuff that. >> Unnecessary food you spent $800. I can. get you $600 at HEB with the meal plan. and the cookbook for meal prepping for a. month. So shut the up trying to. come in here. and cry, baby, that you can you can't. have three meals a day. when you spend $800 a month for two. people on food. Oh, she's going to cry. about that, too. Okay, what What are we. doing? What are we doing? >> Am I the only the only one who's going.

to talk in this conversation or not? >> Uh no, I'll talk, too. I just got told. to shut up when I was talking. >> [sighs and gasps]. >> Okay. Here's the thing. For all three years of our relationship, I have been the main earner. I'VE WORKED. >> CONGRATULATIONS, HERE'S YOUR REWARD. This is the best I can do for a gold. star. >> No, I don't. >> What's the point? >> My point is I'm tired of it. Like I have. like. >> Well, okay. Well, congratulations.

You're tired of it worked cuz now you. don't work and he does. So, it doesn't. matter. Your dream came true. >> No. >> What do you mean? I don't know. But like. e. I was on your side until all of a sudden. you started talking about things I. actually do know. And then I realized. you were just arrogantly being victims. Which makes me just not unfortunately. trust what you're saying about the. medical, but I'm not informed enough to. push back. So, I don't really care. >> Um. So, we had 12 grand from the inheritance. that I got or tax tax return that I have.

or whatever. >> Okay. >> Um and savings when I lost my job. He just didn't apply for jobs. So, we. spent all of that 12 grand during that. time when I was actively paying and out. of the hospital. Right. Yes, he now has. a job. >> Guys, do you hear me in this show? I've. said multiple multiple times I don't. give a about what you have done. I. care about what you are doing. What you. are doing now is he has a job, you do. not. I'm not going to criticize you for. the job part, but I'm going to criticize. you for what you do with the money that. comes in. And what that is is.

I mean you spend nearly 66% of the money. you spent getting groceries, you also. spent going out to eat. You're going to cry and and moan. pathetically about not being able to eat. three meals a day, yet you go out to. eat? Guys, >> Most of that. >> What the This is first world. problems. This is beyond first world problems. Complaining about not getting enough. meals on the table, yet you go out to.

eat? >> We don't go out. >> conversation are we Oh, hey, uh woman. You go out to eat. You can't say that. >> But you don't say that. >> Shut up. >> You literally can't Most of that is me. getting food. >> a part of it. >> No, like we don't go out on dates. When. are you going out? >> doesn't have to be a date. to go out to eat. Hey, is McDonald's going out to eat? Is. Chick-fil-A going out to eat? Is. Starbucks going out to eat? Is getting. DoorDash of $359 going out to eat? >> That was groceries. >> Not all. We'll see.

>> Yeah. >> Pizza Hut, is that groceries? Is that. going out to eat? I don't know. I think. I feel like I feel like uh Pizza Hut, if. I'm not mistaken, is not actually being. made at home. Uh I might have to be. fact-checked on that one. Comments, let. me know. >> you meant like restaurant food. >> McDonald's is Did you make those fries. at home? Or was that ingredients you got from a. store called McDonald's? So, you you you you want to come in here. and look sad. and get the sympathy of the audience and. me for not being able to have three. meals a day yet. Uh McDonald's, Chick-fil-A, Starbucks, DoorDash, and.

Pizza Hut. are. happening. Oh, yeah. Yeah. >> Yeah, there you go. Again, most of that. is me. >> just got called on your Sorry, you. can't be victims when there's proof of. you guys not being actual victims. I. know that's a card you seem to have. played your entire life so far. You're saying no, yet you just did it. for 35 minutes. >> That is not a card I played my entire. life, and that's not how I operate. >> What? That's. >> You've operated in at least multiple.

parts of this conversation. >> Yeah, I I'm in the part of my life where. for the first time I can't figure it out. myself. >> the medical thing, but you're victim. You're victiming on the food prepping, you're victiming on the budget, you're. victiming on the income coming in, and. then I'm talking about the unemployment. differently of the job you got fired. from, but you still got unemployment. anyway. You're victim talking about. not having enough meals, yet you spent. enough for three people on groceries, and you also went out to eat for an. additional $600. Yes, you absolutely.

did. Don't try to pretend like you. didn't. I will not let that slide. There. will be nothing productive that it comes. from this conversation if you are not. able to accept that you are being a. victim. If you are not willing to accept. that part of your behavior being called. out, then you'll never improve ever in. your life. And then what the am I. doing? >> Right. >> Uh-huh. Speak, boy. >> On what? >> Something. She said you're not speaking, so there must be something there. In. fact, unfortunately, when I look at you, I can tell there's nothing, but.

>> Honestly, I I don't know I don't know. what. >> Told you there was nothing. >> [sighs]. >> Okay. So, you're the breadwinner. How. much money were you making? >> Um 65 to 70, depending on where I was. working. >> Now, you were telling pre-production. that. uh. you had your last job for 10 months. [clears throat]. >> Mhm. >> and you were stressed all the time, >> Mhm. >> which led to the flare-ups. But, you. were in I mean, no offense, and I have. some of them here and they have the. least stressful jobs.

Marketing. >> Marketing is not stressful. Um the boss. that I had was. >> She. >> like like crazy. She had more. >> Wait, multiple people were going to the. ER from this marketing job? >> From from the boss that we had, multiple. people on my team all went to ER for. stress-related incidents, yes. >> What? Okay. Make I uh uh. >> Yeah. And we went to HR. >> HR, make sure you never hire anyone from. that team. Sounds like a lot of bunch of. >> Oh, no. >> No, no. She She was a and I never. spoke to her directly.

>> you work there? >> No, but I could. up. What? [laughter]. >> Um I worked from home, so he witnessed. it and then. >> worked from home. And your. What did your boss do? >> Uh took her credit. >> Well, she not only did she take credit. for everything. She was. >> That's our We went to the ER cuz of her. and she took the credit? >> No, no. She's She not only is working other jobs. like while supposed to be maintaining. just this job which is. >> the stress to go to the ER? She had. another job? I'm not Okay, continue. >> her whole workload. We had no no.

training when I started. >> Okay, these are basic job things that. everyone has experienced out there. Continue. >> Okay. Um. >> Waiting for the. >> She would constantly push off all of her. work on us last minute and like. >> You've all experienced this as well, Vi. >> I've. experienced it. I'm not saying that it's. like not. >> everyone went to the ER. I'm waiting for. the thing that sent everyone to the ER. >> It It was constant. It was like it's not.

like was It wasn't like a boss like If I. dealt with a boss, that's fine. I mean, she was like pushing off projects. telling us we had 1 day to do them when. it was like a 2-week project to make a. book like a whole thing to print and. produce, right? >> Yeah. >> I mean, she. >> like a shitty job, but we've all been in. this position before. >> it was a horrible job and I kept and I. kept it and I did it anyway because we. had to as you said, right? >> I think you guys were enabling each. other. >> Um. >> I really do and this victim mindset. I really do.

>> Um my team member who worked under me. went to the ER for She was in for a week. and a half. She was admitted. Um for like she had some stomach thing. They were saying if she doesn't cut back. stress in her life, she's going to have. to. >> had a stomach thing. She needed to cut. Cutting back stress is a thing that is. often times given as a prescription to. multiple things. That doesn't mean she. was given that due to high stress, but. you want to cut back on stress through a. lot of things that happen to your body. Yes, that is very common. Blood pressure.

blah blah blah, all of it. Cut back on. stress. That doesn't mean stress caused. it, though. >> Well, it. From my understanding. >> Oh, You guys can never have a job. No, her previous job she held down for. like. >> Yeah, I had my last job for 4. >> What's multiple years? >> 4 or 5 years. >> Okay. >> Yeah, I I was working as a contractor. I. So, I worked full-time for Canon, VMware, a marketing agency called Innovatis, and.

a couple e-sports teams. >> Why didn't you leave the job with your. Nazi boss? >> Um because I didn't have clients. anymore. My main client did not. >> No, why didn't you go get another job? >> I I was applying the whole time I was. there. I just I couldn't find anything. that like I would go through interviews, multiple like interview processes, get. to the final point, and they would say, "You know, we would have selected you, but. >> is what's concerning for me. With the. notes that I'm given and what you talked. about the little side stream of income, that you want to keep being an. entrepreneur, you want several streams. of income, and you want to make.

businesses out of hobbies. I don't think. you realize you having a bad boss, yeah, was stressful. You will never experience stress like. running a business. >> No, I I know, and I. >> It is the stress most stressful If you. ever get employees, if you ever get. anything, you will never experience. stress higher than that. I've aged like. 10 years in 2 years. >> about like my flares. Like I have to. >> Oh, wait, well, all of a sudden when it. comes to her. doing what she wants to do, she can do something about her flares. But when it comes to her working a job, and she can't work a job because of her.

flares. >> regardless. That's That's why like right. now when I'm not working, that is what. we're doing. I'm on the second month of. a new treatment that we're trying. I'm. supposed to go to Mayo Clinic in July. I start with a new specialist. >> Okay, so it's time to get a job after. that, then. >> Right. And that That's my concern is. like we're blowing through savings like. crazy. This job Like I appreciate. >> out to eat? Why was our going out to eat. spending $500? >> [sighs]. [snorts]. >> All right. >> Because it. >> But let's cry about it.

Yeah, keep touching her. That's going to. make this go better. Uh I think you guys got called on your. for the first time in your life cuz. no one around you is willing to. >> Yeah, I don't really have very many. people in my life, especially to call me. out on my aside from her. And she does call me on my most of. the time. >> doing the dishes. >> Not [snorts] doing the dishes, keeping a.

job. >> Well, get a job. You should probably. just be a adult. Yeah, that's. that that would be nice. I don't think. that's her nagging or her being on your. ass. I think you should just get a job. and take care of the house like a adult. >> Yeah. >> Yeah. And it's pretty pretty pathetic. not to. You guys said you have kids, right? Is that what I heard? >> Yeah, they don't live with us. >> How many kids? >> Five and six. >> No, you said you have kids. >> I have kids, yes. >> kids, five and six? >> Mhm. >> You probably provide child support? >> Yeah, roughly 200 a month. >> Does that.

>> Not anymore, though. >> Yeah. >> Why? >> Because the child support is to my. mother. My mother has custody. >> when I when I lost my job, we her and I. sat down with our budget and we were. talking about like not doing it in the. meantime while we figure out what's. going on. >> [snorts]. >> Um. >> How do we even get communicate in this. house? Cuz I feel like you probably just. like. >> Yeah, I bet if you hammer in down, you'll be like, "Well, I don't I'm not. thinking about anything.". >> He He just won't talk to me ever. Like. we'll sit down to look at our budget and. he'll look at it and be like, "I'm too.

tired to have this conversation right. now." And he'll just leave. >> yell and cry at him. >> No, I We just stop. We actually don't. fight very often at all. >> We just don't talk at all, either, which. is why we're not fighting. >> Well, I don't know if he's capable. But I mean, I'm being told you primarily. talk about your relationship through. sending each other TikTok videos, anyway. >> Uh. >> Neither of us watch them. That's the. whole thing about it. >> Well, I don't think that's a way of. communicating, anyway. I'll just. uh lay that out there. >> type thing because it's. >> cuz you're both cuz he's just the.

>> Yeah. >> [snorts]. >> Basically. >> It's just frustrating. I feel like I've. ran our household by myself for so long. >> [snorts]. >> and he has a ring [clears throat]. and I'm like, I don't know if I'd say. yes tomorrow. >> Oh, you're not married? >> Mhm. >> Oh, thank goodness. Both of you run from. each other. Hey, dated in high school. That's great. Guys, no offense. I mean, mhm mhm mhm mhm mhm. I don't want to. mhm it's a.

If he's leaving, it's not like leaving. someone that just got like. like stay try of cancer, right? I mean, right? Right? [clears throat]. Like it'd be it'd be bad if he left her. probably. It would look bad. >> Oh. >> It'd probably be less stressful. actually. >> Huh? >> He would be less stressful. >> He would be less stressful? >> No, no, no. I think it would be like if. we were to break up, it probably would. be better on my flares and less. stressful. >> Oh, yeah, that's what I'm saying. I. think both of you would be much happier.

I don't know why you guys are together. Like what what is keeping us together? >> Love. >> Huh, sounds like it. Is she going to cry the entire hour and. a half? >> No. >> I just launched the brand new Hammer. Elite app available on every major. platform. You'll get three exclusive. dedicated shows every single day, Monday. through Saturday. And to celebrate the. app launch, I'm offering 30% off the.

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historic verdict underscores the. consequences of those decisions. Now, Morgan & Morgan is stepping up to hold. these platforms accountable for the harm. they caused. Click the link in my bio to. take a short quiz. You may be entitled. to a potential recovery of over $1,000. >> [laughter]. >> Don't lie to him. Probably. I'm [snorts] just It's like all the Like. we've we've never been able to talk. about it or like sit down. I can't get. him to have a conversation. >> All right, let's have the conversation. now. >> time that we've sat down and it's just.

all coming out. >> So, what have you wanted to say to him? Tell him. >> One, I don't know if I'd say yes if you. proposed tomorrow. I love you and I've loved you for like. so long, but you don't help around the. house. You don't apply for jobs. You. don't contribute to our finances. You. have no motivation in life to have. goals. I want to accomplish something. I hate. that I'm in a position where I can't. right now. >> [snorts]. >> And I'm I you have watched me at home. still doing everything I can. I've gone. through our whole house, which you. failed to mention. Like, I am actively.

DoorDashing. I'm the first person who's. fixed our car, which that was a whole surprise and like. $1,300 we did not need to spend had you. done what you had told me we're going to. do. >> [snorts]. >> I feel like I spend all the time being. in charge and undoing what you just like. if you don't do it, it becomes a problem. and I undo it. And right now, like now that we're in a. position where it's like I'm not making. money, then what? Like do we lose our.

apartment next or do we figure this out? Because I don't know. You know, well. well well, how much do you make in. commission? I don't know. You forgot to. pick up your check for a week and a. half. Like that's like you're getting paid. Why would you not want money? Like like. pick like just take your check from him. You don't do anything, you just forget. But your last job you worked 4 hours a. day watching YouTube all day and then. um and then you went to like home and. played video games for 8 hours a day and.

still weren't helping around the house. So it's like this isn't like a new. problem where it's like, oh, you know, you're not cleaning while I am home. But. so. >> That's fair. I can admit I was a lazy. piece of for the first 3 years of. our relationship, didn't help, didn't do. >> Wait, I believe this that's the. all of it. >> That's all of it. you, please. >> Our 3 year anniversary was in April. >> Sorry, I don't want to interrupt you. except I just did. Continue.

>> That's fair. Anyways, I have been a lazy. piece of I haven't helped out. I. haven't done anything to. support the relationship. But I feel. like I am starting to try to help out. >> You're showing up to your job. And I. would argue that that's a pretty basic. adult skill that needs to be done, right? >> Yeah. >> But I would say that I've heard you say. that you recognize that it's wrong and. that there's a problem and that you. recognize that like the stress is like. clearly having an issue.

>> keep responding cuz he cuz he said a. lot. >> done anything. >> Yeah. I I. I haven't. I am working on being more. not not open open's not the right word. but communicative. I don't think that's a word. >> Okay, well that. I'm trying to. actively. be more uh uh. present in the relationship. I haven't. done the greatest job of it. >> Mhm.

So, just. >> Is he He's saying he's working. Is he. working? >> He is working. >> Okay. >> that. >> No, no, no. He says he's working on all. of that. Is he working on all of that or. is he just pushing it off? >> he went on a business trip for a week. this last week. He's been gone the whole. week. Um he had 4 days off before he left and. I said, "Before you leave, I need you to. do these three things that I can't do. before you go. I need you to fix the. litter robot that you like deprogram so. it's working while they're gone. I need. you to do the dishes that you have your.

special cast irons that you wash a. specific way and whatever. >> Fair. >> Um and. what were the other ones? >> One more should have been. >> There's There's two more, but they're. they were like very simple like things. and he had 4 days to do them and I told. him at the beginning of the 4 days so he. had plenty of time. When he left, he left the litter robot unplugged, didn't fix it, didn't do the dishes, didn't help with like any of the four. things I had asked him to do. Um. there was actually something that caused.

a problem. I'm trying to remember. >> a robot. >> It was Yeah, he had left it like. completely unplugged to the point where. like I didn't find out until like a. couple days in. >> Why can't Why don't you just Why Why. don't you do anything? Also, what the. business trip 2 weeks. into this job? >> yeah. They go to Tulsa They go to to. Tulsa once a month to go sell there. because it's a better market, but that. is was not our experience when he went. >> Yeah. >> What the. Tulsa, they just need more keys? >> Yeah. No, but they just don't have vans.

there so. >> Why doesn't someone start a van there if. it's such a good market? >> I Because my boss is now covering that. >> Give it to me. Oh, thank it's an iPhone. >> They both are. >> need? Whatever I want, boy. How is it that you are 4 years younger. than me and look 40 years older than me? >> Uh a lot of what I was doing. not. good. >> You also don't have a chin.

>> [laughter]. >> He's [snorts] not wrong. >> Damn. >> We've talked about that, though. >> Yeah. >> Oh, it's gone. >> He needs dental work. Ask him about his. interests. >> a dental thing? >> Oh. >> Yeah, I. >> Ask him about his interests. >> That's fine. I don't I don't know if. that changes you having a chin. Uh type in your passcode, freak. Do you not know your passcode? >> Wait. >> It's like a PIN, not like your passcode.

passcode. >> Yeah, it should be. Bring it back up. I don't know what you. did. >> Okay, you will eventually lock your. phone. >> This. >> Three failed passwords but. >> How do you know my. Trying to look at his screen time, which. is for some reason password protected. What the is wrong with you? >> Uh. I have no idea what that passcode is. >> be our anniversary? >> That's what I tried.

>> Brother. >> Uh-huh. >> He doesn't know his bank password, either. >> So, she has to take care of everything. for you. >> Do you want me to try? >> He's not hiding. >> No, he's not hiding. >> I'm just. a little slow sometimes. >> Oh. So, she she she she. So, she got your health insurance for. you cuz you're pathetic. She knows your.

bank logins cuz you're pathetic. Why. can't you do. >> Um just a lazy piece of and I'm. relearning. >> He answered it. We just leave. Yeah, you might love him, but your life will be so much better. without him. You guys haven't bred yet. You're not married. Leave. Leave. Why? Why? Yes, you love you'll. love someone else. There's a lot of. life. You're 27. Leave. >> I told him that if this isn't something. that we can resolve, then.

>> This isn't just something though. This. is the finances. I'm talking about He. leaves his job every 5 seconds. He's. only excited cuz he just went on a. trip to Tucson. But. that he doesn't do his like custom. dishes that he needs to do. He doesn't. do the kitty litter. He doesn't do. anything. Bro won't get health. insurance. Bro won't do anything. Doesn't know his bank login. He can't even burp like a normal adult. That's on camera. That you need to leave. this man. I'm sorry.

Like I don't know what what what is what. does he provide for you? Besides that. you love him. Which is important, but. you will find love. Yes, you will. >> No, no, no. The. the to answer your question, um. he. I mean. he does show up in ways that like if I'm. flaring and I need help, like he will. help. He's there like. >> [snorts]. >> you know, but. but financially or like in terms of.

having goals or motivations in life, like no, that's not something he. seems to have or pursue. >> that even if I loved them. Even if they. were Even if it was Sydney Sweeney and. she didn't have. >> I could be with Sydney Sweeney if she. was like I'd make her my housewife. I'm. not going to lie. >> No. >> It'd be fine. >> Never mind. She she can have no. ambition. I don't think that that's a. good. >> Yeah, yeah, yeah. THAT'S FINE. >> BUT LISTEN, he a 10 out of 10. >> I just I I know that like he's capable. of it. I've seen it before. Like we've.

been friends for so. >> When? When he does it for like a month? >> No, he didn't used to be like this. Like. years ago like when we've. >> What happens? >> He went and made a some poor choices. that. >> that's fine, but the poor choices are. done, right? >> Right. And he's. >> is he not bouncing back? >> capable. Like like this. new job for the first time, like I think. the reason he's so excited is he feels. like he is doing something. >> Okay, but for what it's worth, he's. excited that he's been at a job for 3. weeks. 1 week was on a. paid trip to the desert.

Like I he's too We're all excited a. couple weeks into a first Dude, I was. excited a couple weeks. A couple weeks into a what I worked at a. pop pop place. That place ended up. sucking. >> Yeah, I worked at a garden center. I was. super excited and then I hated that job. >> That's how it all starts. So that means. nothing that he's excited. >> Right. I just I want to give him the. support to have whatever career path he. wants, but I just don't know how to do. that when he doesn't even know what he. wants. >> Uh go to settings. I don't think cuz for what it's. Change screen time.

Turn off screen time pass Yeah, but he. needs to take. >> I might know it. >> You got to wait 4 minutes. >> Oh, you can do. forgot passcode. And then. your Apple account. >> Do you know your Apple password? >> Buddy, if you don't know your Apple. password, I'm going to and I actually. believe it. I I I believe it. He's. If you make kids with him, they're going. to have. like triple downs. You can't. Don't breed with this man.

Okay. >> It hasn't been tracking. So we can't. even see. Cuz it's been off. >> I will say you won't see anything on. there anyway. He doesn't spend a ton of. time on his phone. He spends it all on. his computer. >> Even at home when she needs extra help? >> Yeah, like 8 hours a day. >> Gaming what? Oh, gaming she said. >> Gaming. Apex. >> Okay. How many hours a day? >> It was. pretty constant. >> It was? I'm talking about now. >> I introduced it to him like maybe 2.

years ago. He has about 4,000 hours on. the game already. >> Okay. That's I mean that's a lot, but I. know people with even more, right? 4,000? >> Yeah. >> How many did you have on Rust, Brandon? 5,000? Okay, it's a lot. It's a lot. >> Yeah. >> Okay. Yeah, that's a lot. Okay, but how. much now though? >> Uh from the time he gets home till he. goes to bed, so probably about 4-5 hours. a day. And then on his days off it's all day. >> You just started streaming again, too. See, if you're able to stream if you're.

able to do the full-time thing. >> twice. >> But even still, let's pretend you make. it as a streamer and you make a. full-time. You want to be able to handle. a cancellation. The first cancellation. you get, your body would literally. >> I've been a streamer before. >> infla- Yeah, big enough to get a. cancellation? >> Uh yes. I was making about 2 grand a. month as a streamer. >> Okay, so not big enough to get a real. cancellation. >> Not like a. >> If you ever made a substantial enough. living off it to get a real. cancellation, your body would literally. explode. If your stress from a marketing. job cuz your boss handed you a. last-minute project was enough to flare. up, dude, you would die. You would.

actually die. Your Your organs would. shut down. You couldn't handle it. >> I don't think I can handle not working. either though. I have always worked. >> off. >> No, like. >> Okay, what do you guys think your Hammer. Financial score is for the household? Zero being the worst, 10 being the best. >> Zero. >> You're able to get there all on your. own. Proud of you. Appreciate it. >> for free, CalebHammer.com. Take the. assessment, just takes a few minutes to. see where you stand in the world of. money, where you're doing poorly, where. you're doing great, how you can get to. the place of doing great. And a good way.

to get there, unlike the guests on this. show, is to download the Dollar Wise. budgeting app, take the free trial, see. if you like it. Most people do. And if. you do, sign up for the annual version and save. almost 50%. That's why most people do. it. And then you also get the signed. version of my 30-day meal plan. >> Thank god. >> I'll sign it and mail it directly to. you. It comes with the digital version. of the cookbook for all the recipes. >> Appreciate it. >> Uh-huh. That's for all the snacks, drinks, and meals. >> Huh? >> No. If you're a good boy, I'll sign it.

>> Say less. Oh my. >> Visa. Well, Best Buy. >> It's all of the credit cards. >> Well, you know, you're a nerd, too, so. Oh, okay. Well, why are you going into. credit card debt? >> Because we have to pay bills. So, when I like in the times. >> Why'd you go to the $500 last month? Doesn't make sense. Miscellaneous. also $500. Doesn't make sense. You spent on minimum $1,000. last month. You can't use the excuse cuz. pay bills. You've been spending. You're on. He just got this job. You're unemployed.

Unemployment's about to run out. Food. stamps hasn't kicked in yet cuz it takes. like 30 days. Why $1,000 on then? I guarantee. you all the credit cards going up was. $9,000. You spent $260 on here. If I turn the page, will it all be. necessities on the Best Buy card? >> The Best Buy card, no. >> Then how can you tell. See how she tried to be a victim there? She tried to look good. She tried to do. it again. >> right. >> Why is the credit card up? >> Cuz we had to We had to pay bills. >> We had to pay the bills that we we.

couldn't afford. >> I asked the cards and I obviously said. the Best Buy. >> Buy card. >> Oh, we couldn't afford I had to make. sure that food food food's on the table. so we. we could. we could live. >> Okay. Okay. >> Like what. What are you talking about? $216.49. SPENT. WHY DON'T you just use a credit. card while you only made a $30 minimum. monthly payment, which is higher now. It's up to $51. $51. It's a new minimum. Yeah, you owe $1,929.04.

on a $2,000 limit. What do you know. about the finances of this household, my. friend? >> Um. honestly, not. I know. >> know about anything, my friend? >> I know about car keys. I can tell you that our average. >> at Apex? >> I. >> He's okay. >> Oh, I'm not mad. 4,000 hours to be okay. >> What are we 4,000 hours to be okay? >> He was almost a master's player. And he. was. >> Put the fries in the bag.

>> He won't work fast food anymore. He. won't do fast food. >> That's not what I'm saying, but also. yes, you will. You are the prime suspect. for fast food. No offense to fast food. workers. But. >> No, he was a full-on manager. and everything and for fast food, he was. like excelling in that. He just won't do. it. >> I won't do it today. >> Well, that's pathetic. Leave him. If he. won't do something, leave him. Are you flaring now? You're getting red. >> It's cuz I cried. >> Does that equal flare? Are you going to break? >> No, my skin's you'll you'll see it it. like.

>> Is it disgusting? >> No. >> Okay. >> the video. I mean, it's just going to. look really red. I'm going to be able to. draw on my face. Like we can play. tic-tac-toe. >> Well, why didn't you like fast food? >> Uh. Was it the clientele? Not necessarily the clientele. It was. Oh, it was the it was the work. It was. >> He worked at KFC. >> He did. >> I ran that KFC. >> WHO'S THE SLIMY LITTLE COWARD OF A. TWINKLE TOAD SUCKER DOWN HERE WHO.

GOT SIGNED HIS OWN DEATH WARRANT? >> OH, just like you're going to ran the. van. >> Run. >> I know. I was using your word. I was being a silly goose. >> But yes, I'm going to own that van. With rent. >> You're going to rent it. >> With a permanent rent forever. Okay. >> [sighs]. >> So, let's see what this Best Buy card. was spent on. That is basically maxed. out, by the way. Maxed out, by the way. Maxed out, friend. Okay. Oh.

>> That is a problem. >> Yes, I have. >> late fee this year? >> Yes. >> Why? Pourquoi? >> Um. >> Before she says what she says, $1,000 on. in a month. >> Yeah, no. I'm I'm trying to remember. what the late fee was for. I don't. remember, candidly. I have I think, three total. I don't know. >> Your eyelash is falling off your right. eye. Mhm, inside corner. >> Oh, it was it was it was last month. Uh Best Buy interactive software?

>> [snorts]. >> What did you buy at Best Buy for. $216.49? >> Um we replaced his controller and. returned it. >> Yeah. >> No, we returned it though. >> Yeah. Okay, we didn't need to replace a. controller. I'm glad you returned it. I'm sure you'll spend it on something. else next. $30 and 30.74% interest rate, which by the way, deferred interest not. that long from now for the first one. So. much interest is going to hit this card. is going to boost it way above the. limit. Yeah, January.

>> Yep. >> Mhm, it's $300 in January. >> Oh, if it is an a nice old Affirm. Klarna, whatever. >> Klarna's all Klarna. She's a Klarna. girl. What's your Klarna in Klarna girl? Tell. you what it is, Amazon Amazon Affirm. TPW? >> Fishing license. >> Do we need a fishing license if we're. complaining about not being able to put. food on the table? Is that what the food. on the table you're going to get is? Fishing? >> No, but we have caught fish and eaten. it. >> Cuz you're in Austin, where are you. fishing? Like Travis? >> Lake Travis.

Lake Travis. >> need a fishing license to fish on Lake. Travis? >> You need a fishing license. >> fishing license to fish anywhere. >> Is that true? >> Yes. I've done a lot of uh. >> No, I haven't. I've been No, that was a. long time ago in Michigan anyway. >> And a water pass is about 40 bucks each. >> Okay. This is a hobby. Correct? >> Mhm. >> Okay. Why are we doing this if we can't put. food on the table? >> Well, cuz if you get a fishing license, you can put food on the table. And it's not that's not why it happened. It's not why it happened.

>> We were on a trip with my parents to. Corpus and he had a buddy from high. school who wanted us to go fish with. him. He's a commercial fisherman, required us to have licenses. >> When you couldn't put food on the table. Any chance $500 poles came with it? >> Yeah. >> Yeah. >> The answer would be yeah. Pathetic. What is wrong with you? >> That was um. >> You can't You said. the credit cards are going up because we. can't afford We're just putting our. necessities on it. We're putting our. necessities on it. $500 in fish. >> were actually inherited from her.

grandfather who passed away. >> you spend $500 on poles though? >> So we fixed his rods and then we bought. him. >> we're unemployed and we're dying? >> We. >> Yeah. >> We had gotten the inheritance and it was. like the week that I lost my job. >> What? The pole fix? >> Yeah. >> Yeah, we fix So we fixed my my grandpa's. poles and then we got him fishing rods. And then the the logic, which rightly or. wrongly. >> cuz you go to Lake Travis now and you. use these poles to get some fish on the. table. >> have something we can do together when.

we're broke. >> Carp? Not necessarily tasty, but it's. everywhere and it is still protein. >> Yes, exactly. >> There's also catfish in there. >> We also grow a lot of our food, too. >> What the are talking about? You're. backing further and further away from. what you're. >> We're We're I'm trying to So we spend a. lot on That's part of the. problem is like. >> How much land are you growing? How much. land do you have in Austin? >> We have a patio. >> and I grow a. No, but it's a 20-ft balcony. >> Whoa! How much food are you growing? What are you growing? >> So we have tomatoes, jalapenos, onions, potatoes, blackberries, blueberries,

bell peppers, carrots. >> going to produce much but. >> carrots, um. >> Carrots, maybe. Okay. >> And we have a community garden in our. complex. >> Yeah, that has like apples, pears, plums. >> going to need it all. That that's. It's that. Okay, listen. Um that's the setup coming payment. Pull. up your Affirm for me. >> That's Klarna. Do you want Affirm or. Klarna? >> great. So I know Affirm's coming. >> Yeah, it is. It's worse. >> Okay.

Why is your screen so nasty, creature? >> Eh. >> Uh just What are you doing, lady? Can't. you just like. >> Have you seen my skin? That's an. impossible battle. >> What? What's happening? >> It just. >> You shedding? >> Pretty much. >> Well, use lotion. >> I do daily for 3 hours. We have a 3-hour. routine. Yes, it's like a whole. thing. >> broken. Why are you with her? >> Because I love her. >> Okay. >> It wasn't like this 6 months ago, either. >> $319.83.

Looks like you're monthly. Oh, cuz you. got them all on like the 32% interest. rate. $32.25. Here. Oh, so I'm just touching all your skin. right now. This is nasty. Amazon, Walmart, TikTok. TikTok. >> SAY I'M A. >> TIKTOK. HUH? >> I said didn't you say I'm a Let's. just try skin. >> Touching other people's dead skin? >> It's not a dead skin. >> That's being a. >> Yeah. >> Putting it on my fingers. >> Yeah. >> Other people's dead skin.

>> Yeah. >> on to I'd rather be yelled at by TikTok. So, that purchase, um, specifically, I can. only wear certain fabrics and stuff. >> Of course you can. >> We got them from, uh, if you look at it, it's all shirts from this one company. that. like it's a certain like fabric that. we've know that I can wear, and so it's. all that. >> I'm just brushing around skin right now. >> You want me to wipe it off for you? >> That's kind of stupid, I'll be. honest. But, what's not is actually.

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by securing a single payment at a much. better rate. Check out the link in the. description below to see your. personalized offers, or go to. CalebHammer.com. And remember, you still. got to do the work. >> But do you need this many shirts is the. question, cuz you're getting that. >> Cuz I'm I'm. >> You're getting a lot of shirts. And. also, paddle boards. >> Mhm. >> All shirts. All shirts. YEAH, SHIRTS, PADDLE BOARDS. >> WELL, that was. >> need paddle boards. Need. paddle boards. >> with you. Um. >> Well, you agree with me, then you're. good. There's also some sage. Does that.

make your skin better? You got a nice. You cut it off your skin? There's an air pump. Got to get it for. the paddle boards probably. And then a. lot of shirts. Do you need all that? All your Amazon. >> Yeah. The shirts are the one that you see on. Klarna, though. >> Yeah, how many do you need? >> Um. >> Go through and One thing in the cart. What are you thinking about? You don't need more fake jewelry. >> I didn't buy it. >> It's in the cart. It's a dangerous. place. Okay, well, you got Yeah, a lot of. makeup Lot of makeup A lot of.

makeup. Injection pain relief. >> It's for when I get my treatment. >> Mhm. That one's actually fair. Cat stuff that's fair. You got a. official Why aren't we fishing already, guys? What are we doing? That was. canceled. Thank goodness. Gloves. For the skin? >> Yeah. >> Okay. >> It's for the cats. >> Okay, now there's too much cat stuff. You're getting too many toys. If you. can't afford to put food on the table, we're not getting that many toys. >> Yeah. >> You're way too many things. Guys, we're.

getting How many gloves do we need? >> I have a lot. Um I have. I think you're back. >> need kitchen aprons. >> Um I think that you're back past that. >> kitchen aprons. >> No, I agree. I think you're back past. when I lost my job. >> Even still, this is insane. You guys. didn't have a fully funded emergency. fund. >> We do. We We did at the time. >> Not fully funded. 12 12 was enough? I. don't think so. If you're not able to. survive right now for $4,000, then 12. was not enough for a fully funded. emergency fund. That math's not mathing. Your rent alone is 1,800 bucks, which is. crazy, by the way. >> Yeah. >> For He wasn't working that entire time,

and you allowed to have a $1,800. >> Well, I paid all of that myself. Fine. Like we still saved money. >> routine to make it sound worse when you. told pre-production earlier that it was. an hour routine. >> Well, I do it multiple times a day. >> So, three times a day? All right, Jean. You're going to do it in the post show? Please don't. >> No. >> Okay, give Give me that Affirm, which is. where all the Amazon's, which was. honestly mostly bull I'll be. honest, there was a couple things. things, then the medical thing was good. Uh cat food, I understand. Endless amount of gloves and cat toys.

and aprons and and and. >> are for my. >> 1,289 No, you have like a thousand pairs. of. >> This is bad. >> $1,289.95. Okay, and I'm trying to figure out the. minimum. Ew. Jean, do you want me to wipe it off? >> Why aren't YOU DOING IT NOW? >> BECAUSE I FORGOT. WE'RE JUST. I'm trying to figure out. You can tell I don't use these apps. man. The only times I do is on the. show. >> I'm afraid if you touch it, it'll get.

nastier. Okay, I'm trying to get to like your. purchases or something. >> Okay. Wait. Wait. Wait. Wait. >> It's at the bottom on the home page. >> It would be under your like manage. >> That makes sense. >> Okay, and your minimums okay, okay, okay, okay. $231.13. Okay, good. >> [snorts]. >> Oh, we have an Amazon card on top of it.

Great. Why do you have all the credit cards and. he has nothing? >> He doesn't have credit. His credit was a. four according to Lindsey. I found that out before the show. >> What is wrong with you in life? You suck. >> Yeah. >> You suck. Go live in a cave. >> He probably loved that. >> Yeah, he has the brain of someone who. lives in a. >> Honestly, I would prefer to live in the. cave. >> your Apex there, though, buddy. >> That's fine. I could have a real life. >> Why would I work a second job if I'm. living in a cave? >> because you're on unemployment and your.

maybe in the future wife can't work. >> That's why I'm trying to own a business. >> Oh, buddy. Owning a business means money. and Dude, he's he's I got a. >> That's just man, he's. but. >> That's just man, he is so. He is so The few things that's his way. out. Businesses take forever to actually. be able to bring home a decent profit. Forever. >> Yeah. Let's say my boss says he's been. at it for a year and a half and he's. bringing home like 200 grand at the end. of the year. >> That's why it sounds like an MLM because.

everyone has all these sales techniques. to try to get you to do it. >> Yeah, that's. >> Then the commission thing is kind of. weird. >> And it's weird that it was 1,300 when. you first started and now it's like, well, 500 on bad weeks. It's like, well, that doesn't help me manage the budget. >> [sighs]. >> Yeah. >> Yeah. Okay, so $1,474.84. minimum monthly payment $80.31. >> Mhm. >> $33 of interest. Fees being added? Why? Purchasing on a card that we can't pay. off that takes 7 years to pay off. >> We had to put the car on it.

>> Huh? >> We We So. >> Your vehicle from from the drive? >> We had Not Not the whole purchase. Um. >> No, it was Prime Video. Prime Video. >> Oh. >> I was out there movies and getting Prime. Video and we can't put food ON THE TABLE. ACCORDING TO YOU. HUH? >> [screaming]. >> HUH? SOMEONE PLEASE INFORM ME. Inform me. I. must be. cuz I'm confused. >> It's better be entertained and broke. than just broke. But you wouldn't be as broke if you. weren't spending as much money on. entertainment. Also, you already have. Apex. So, it's free.

>> That's fair. >> have all of our family's subscriptions. to every other platform. >> Oh, everybody, stop. You guys suck. I'm being told you're resentful about. his job situation. Why? Unless you want to go back to. school or find one of your businesses, which again, I don't think you can. handle either of those. >> do that on the. side of a full-time job. That's not like. something that. >> Um when we were on our like interview. thing, um. he had said that we didn't know that it.

was rented. He hadn't asked his boss. He. was saying that there was a down payment. and like we would pay for a van. And I was like out of all the things. like I've designed my own card game. Like I've. I We've done a lot that I would love to. invest in that we've talked about. investing in. and we're not and then it's like I'd. love that you finally found something, but. >> [snorts]. >> I mean, it's not like you've been. attempting to have a business this whole. time and it's. >> Yeah. >> I want to support you, but I also want. you to support other things, too. Not.

now when we don't have money, but like. you know, for the last 3 years you've. watched me try to start businesses and. basically like that was just not an. option of. something you participated in, you know, or like wanted a part in or invested in. with me or anything. So, I am a little I want to support you. no matter what. I want you to be. successful because I need you to be. successful so we can have a future, but. also. yeah, it kind of sucks that we're I'm. going to full support you in this and of.

course I'm going to and it's not doesn't. go the other way. >> cuz that's a new resentment and he's. only just found this thing. >> Then we end up on financial audit. >> No, cuz that hasn't happened yet. This. resentment's barely started. You want to start a thousand businesses. You have your card thing that you talked. about. Uh you had a plant selling thing, a. stained glass company. >> No, no, no, it wasn't. >> You're you're doing everything that. everyone already does. Why can't you do. something new in the marketplace that. hasn't been done? >> The.

>> There's a new card game every 30. seconds. >> It It's like a journaling It's supposed. to be to help with therapy. It was I. actually designed it to get him to help. like to talk to have for us to be able. to talk. No, he hasn't played it. We haven't played it at all since it was. produced. Actually. >> Maybe it's not a good business then. Uh. child, you're in debt child support. >> Yeah. >> What the. >> Yeah, there was a good solid four years. that I was off and not doing.

But I have started paying it DOWN AND. BACK. >> [screaming]. >> WHAT'S THE MONTHLY REQUIREMENT for this? >> I think the monthly requirement. >> agreed with with his mom. >> Yeah. >> No, uh uh. no, no, no, the one on his credit. The one on his credit from the court. >> Yeah, I think it's like a hundred and. something. >> Brother. >> But I typically been paying two. >> Well, let's just do the minimum. That. doesn't make sense to do more. He owes in back child support 12,891. You're a degenerate piece of.

>> Yes. >> What the is wrong with you? >> There was a What's wrong with him? >> There was a brief period of time Well, I. don't want to brief. >> Say I'm not going to ask questions, so. say as much as you'd like to about it. >> Uh I was just doing a lot of bad things. with a lot of bad people. >> Okay. Is this deep as you'll go? Okay. Well, you still spend $250 a month at the. convenience store on cigarettes and. energy drinks. >> Yeah. >> Yeah, maybe that should go to your back. child support, you failure. >> Yeah. I have paid off.

a lot of it to my mother. >> Great. >> I don't care about this one on your. credit. >> I talked to your mom yesterday. And um she said that that's already been. deducted from this total. >> Uh. >> Minus the like thousand that like we've. paid from the budget that I made. Um. yeah, the the the lump sum payment that. you've been telling me about that. apparently is already out of that. amount. >> Wait, what do we owe our parents $8,595? Is that that? >> No.

>> That's part of the. >> It's additional? >> Yeah. >> The car? What car? >> So. I had a car when I entered the. relationship that was paid off. Um he. got T-boned by a driver who ran a red. light in the car. It was an insurance. total. >> Why are you with this guy, dude? >> Um no, it wasn't his fault. They were. drunk or something or whatever. >> else is, though, which is insane. >> But we tried to get it as close to like. the insurance payout as possible. We. were about like two grand off, so my. parents let us loan it from them versus. a bank with interest and stuff to help.

us out. >> Good damn. So, do you have a minimum for. this $8,595? >> No, they They said they would love. progress on it and we They know we're. here and like the the goal is to come up. with a plan that we can present to them. >> to present? >> We've paid off. >> You spent a thousand on last. month. Like it doesn't work. >> Then that's why we're here. >> [gasps]. >> Um it's just Yeah. So, two grand of it. is bills. There's a line item somewhere.

>> Bills? Good Well, you spend $1,000. a month on. >> bill is that you bring in. >> This is so stupid. It's so pointless. You don't You didn't need to be in this. situation. Not as At least not as bad as. you are now. And you should have worked. two jobs. And yes, you should go back to. fast food if you need to get another. job, you pathetic worm. Tax guy. 350 bucks? >> Mhm. I got to pay. >> You didn't pay him up front? >> Uh. >> You owe him in the back? >> No, yeah. It's It's uh back. Um I have. minimum with him. >> Or just lump sum?

>> It's just 350. >> Dude, why didn't you pay him? >> was for 3 grand. It's due now. >> You hired his services. Why didn't you. pay him? >> Yeah, it's due It's due now. It's not. that I'm. >> Why do you need a tax guy W-2? >> Uh because I have a lot of things that. are written off from the contracting and. stuff. >> What contracting? >> Um so, like any marketing clients I pick. up or anything like that. >> How much money did you make from that? >> Last year? Probably maybe 10 grand. It wasn't bad.

It was just a couple of months. >> of that. >> Yeah, I'm I'm working on that. I have. all of my. >> And then you have a payday loan, Mason. >> Yes. >> I didn't know about that. >> 8 years ago or something. >> I have no idea. >> From 8 years ago, wouldn't be. What, you just said it, we didn't see. it? >> No, I Yeah, I have. >> He said it in the phone call yesterday. I have never heard about it before. >> never seen it. >> Yeah. >> Didn't show up in his credit, either. >> His credit score is actually four. >> Yeah. >> I didn't know that was possible.

>> I didn't, either. Honestly. >> What? That's insane. You suck at everything involving life. >> Yes. I can agree to that. But not everything. I still think I'm a. pretty decent ex-player. >> Take that off again? >> No. What? >> Take it off again? >> What? You just sit there. No. >> Oh. Okay.

>> Yeah. Literally everything except Apex. >> I don't I'm not sure you're as good of a. Apex player or something. >> about it. >> It's time to finish your thinking and do. it. >> It is not. >> We have done it before. It is worse. >> It is not. >> It feels worse. >> not. So, you guys are just used to that. >> I don't think I'd be sure. >> It is not. It is actually four. That is. an actual screenshot. His credit score. is four. That's crazy. I've never seen that. before. That is crazy. >> How did you even fix that?

>> I didn't even know I had that. >> Yeah, I'm going to make you call the. parents in the post show and I want to. hear their perspective here. This is. insane. And here's the checking. account. It's all spending. Who's Wells Fargo? Who's Wells Fargo? What the is. wrong with you? If you're the one crying. to me. >> All of our money comes out of my my. accounts for our cards and stuff. >> You're the one crying that you can't get. food on the table. Crying that you're. blowing through the 12 because of life's. necessities. You! Half price price books? Go. yourself. >> No, I sold those. So, I I.

>> Don't give a You spent the money. regardless. You're the one that chose to. let the card Shut the up for a. second. Netflix, Amazon, DoorDash and Subway. It was all. groceries, she said earlier. I said we'd. see. $50 to. DoorDash Subway. Uh-huh. Home Depot 27 bucks. Michael's. stores, you have to do that $25. you. Home Depot, Home Depot, DoorDashing. There was actually. groceries 50 bucks paying extra for it, by the way, to do that. Ultrahuman, Home.

Depot going there all the time. DoorDashing double. double double price. 150 bucks looks. like a restaurant. Apple Cash 10, Pink. Cherry Nails. We're going and getting. our nails did when we're draining our. emergency fund. That doesn't look like. an emergency. >> a necessity. >> No. >> No. Yes, it is actually a necessity. because. >> yourself in Minecraft." That you're. That's not She can do little. No, I can't. It'll turn my nails green. We did that.

>> Okay, you don't need nails then. You're. unemployed. Shut the up. This is. not an emergency for survival. You know. what emergencies are? >> Survival. It is a necessity. >> Lis- just just it's not what you're. really It's not what you're thinking. >> have nails on, she will like gouge her. skin open because of her skin being as. fragile as it is. >> THEN STOP SCRATCHING. I CAN'T. >> YES, YOU CAN. NO. >> I can't. >> Oh my gosh. Dude, people with OCD get. their behaviors under control with. coping mechanisms. You are not the only. person in the world that has that.

>> That's what the nails are as a coping. mechanism so it doesn't tear her skin. up. >> Could it be cheaper? Absolutely. >> Yes, wear gloves all day. >> I don't know. You're not the only person. that deals with the bad habits. >> It's not just it's the skin. It's not. >> I know. Isn't it bad to scratch it regardless? >> Yes. >> So, stop. >> I'm trying. It's hard. >> You need acrylic, but you don't need the. fancy designs. >> That is true. I can. >> with the stupid spending.

>> You're in emergency mode. Amazon Amazon DoorDash DoorDash and. Chick-fil-A. Oh, we were going to go for groceries. You. Amazon Amazon Amazon Ring multi-plan. And maybe. [clears throat]. >> We had a bunch of break-ins in our. complex though. >> Well, great. You're spending 1,800 bucks. for that. Move. >> Yeah, that's true. >> DoorDashing Rambles again, but you're. paying a premium for it. THEN. DOORDASHING CHICK-FIL-A. AMAZON Prime. Video. TikTok Shop for Oh, and there's.

more nails getting did. Pizza TikTok. Shop. Prime Video. Uber and. >> That was to the vet for an emergency. >> IT'S ALL Except for that. It's. all You, are you Chase? >> We're both Chase. >> Oh, yeah, we're both. >> $86. in here. >> That's probably mine then. >> We're getting like I don't know what. this change thing it's highlighted. though. >> It's our savings. So I he didn't even. actually know about. The only way that I. >> bright calm. Oh, wait, bring it.com.

>> Bridget, that was that was like a. short-term loan, but we don't use that. anymore. >> Oh, I hope it's not cuz that just. happened. And we're over drafting multiple times. since you're so far. No shock. I don't know why we would have want to. go into savings if we're over drafting. Stupid. And is this the savings? No, but this. checking account ended with negative. $4.74, [clears throat] but we went to. Jessica Hollis Park and we went to. McDonald's and Academy Outdoor Sports.

$100 when we're literally negative in. the checking account. Ordering Inc. Ordering Ordering? Ordering. >> No, cancel the membership. >> I have to have one. That No, I don't. have to have one. It was recommended by. my doctor and we track my flares through. it. He wanted one. And so he got it. >> that one, you. >> He It's not even active. He just wears. it. >> Good. And then what's the point? Etsy. >> And that's my. >> That's not necessary. >> No. Chick-fil-A. That's. not necessary. That's not doctor. recommended. Stop and inside getting your.

Apple. Shell. Yeah, you were stopping got some. Etsy. Audible. OpenAI chat. GPT. Parchment university docs. It might. be, but no one's in school. >> That was my That was for me looking into. going back to school. >> Looking into it? >> I needed my um. >> Goodwill. Stopping in getting some. Your energy drink. Stop. Gamer Supps. 40 cents a serving. with my discount code. That one's free. Get your free samples so you can figure. out what flavor you like with code. Caleb. Then get.

that Gamer Supps for free well for 40. cents a serving instead of. stopping in and getting a like. you did for $3.89. $3.89 at Starbucks. Apple. cash. Piece of. 14 hours in this. What's savings at? I. don't see savings. >> So, it's in. >> What's retirement? Where's savings? I. don't see. >> savings left over like after we've lost. our jobs like in our actual accounts, but this is.

>> Just tell me a number. >> I'm looking at it. >> I get you both course career. certifications so you can definitely get. on better career paths. >> I don't know what his is at because I. just set it up on his phone and I. haven't looked at it, but mine's at 330. >> And retirement? >> I have one 401k that was active for 3. months and I haven't gotten it from. >> yourself? >> Yeah. >> 500. $44.69 is your minimum. There's no car. payment, correct?

>> No. >> Okay, your rent's 1,800? >> Mhm. >> All utilities plus internet? >> Uh. >> Combined, how much? >> Maybe 380. >> Gas, broom broom, drive drive. >> Uh use Well, with his new job probably. about 200. >> For both? >> We only have one car. >> Car insurance, how much? >> Uh 130. >> Car bill? Uh phone bill? >> Uh we don't pay it. No, that's on our. parents. >> Six Uh should be able to do actually 500. groceries. You got to cut it tight. Copays monthly basis, anything?

>> Um 120 for him. >> You? >> Uh. 60 for me. And the rest my parents are helping me. cover for the flares. >> Subscriptions, try 20. You got to cut it. to basically one. You have pets? Yeah, you have cats. How much? >> We have three. >> Three? >> No, it gets worse. We have four snakes, three cats, and a fish tank. >> Okay, 150 for the cats for pet insurance cuz. you can't afford. >> We have $90 pet insurance for all three. of them.

>> Yes. >> Yeah. >> It covers all three of them and. >> 90, how much for cat food or pet food. across the board? >> Uh. $74 every 2 months. And then oh, all across the board then. it would be $50 for the snakes each. month. >> Is on top of that? On top of the 74. every two? >> Y- yes. >> Okay, I'll just call it 75 uh, call it. like 85. >> Okay. >> Okay, now let's call it 90. So, anything else that needs to be in this. budget that I have not done?

>> Mm. Um, >> like gym? >> No, we have a gym through our complex. Um, let me I'm pulling up my budget. Hold on. >> Okay, we have. >> budget. >> Okay, we're well right now obviously. make 2,500 a month which is nothing. >> Oh, his uh, health insurance and my health. insurance, not the co-pays. Um, his health insurance is $95 a month,

mine is 130. My dental is 12, his got canceled. >> Okay, so I mean your budget's likely. going to be around 4,200 bucks a month. then. >> That's right, yeah. >> with insurance, you. uh, unemployment I mean you technically. don't only break even. Stop shaking your. leg. You. have an extra couple hundred bucks, 300, but that's put down in 2 weeks. So, food. stamps will help cover the food bill, but that's not going to be enough to. actually pay your rent. It's way too.

expensive. Uh, just hopefully if you're actually. disabled which again I'm just I don't. even going to comment on. If you are, hopefully they approve you cuz that's. what it's for and you make enough to. make break even, but. you guys just need to focus on breaking. even then you can go through bankruptcy. or something. I don't know cuz right now. this is like once the unemployment's. done and if you don't get on. uh, disability, you guys will just be. negative completely and it's not really. a thing. So, the advice is. the reality is you need to go get a. second job. You're working an in hours a.

week minimum cuz bills have to be paid, and you're doing DoorDash as much as you. can. >> I yep, I'm working on it. >> And. that's it. And you just. you might just want to declare. bankruptcy. You might be able to pay off. the You need to stop spending on the. credit cards, but if you guys don't. double your income, which is pretty much. the only path, which means you double. working or getting better at sales or. you doing something you can do, but I'm. just not going to comment on it, cuz I. don't know, makes it impossible. But there's just nothing.

So, meal prepping and meal planning. Yeah, we're out of tight budget as quick as. possible, but you need to go work two. jobs. >> All right. >> And you need to work as much as you can. in between flares. Are you? I don't. know. But I can't comment on it, so. >> [music]. >> That's just it. That's just it. Sorry, and bankruptcy might be a good. thing, but only if you change your. behavior for a few months and prove it. Or else you'll end up back in this. situation in a few months. >> It won't knock off my parents either, huh? >> Nope, but that one doesn't have a. minimum to payment. Your minimum.

payments are why you can't survive right. now. >> Okay. >> All right. Listen, we're going to call. the parents to get their perspective in. the post show, but let's go let's get. the same for score first. We'll get you. all the resources you can to try to help. with all this, but listen, right now is. you just need to go work. That's it. You got nothing for you. Just. Well, I can't even comment, so. not informed enough. Spending in a. budget. You have a score of zero out of 10. Debt. Family debt. Uh. collections and Okay, zero out of.

10. Emergency fund. Nothing anymore, zero out of 10. Retirement, definitely. nothing, zero out of 10. Real estate, nothing, zero out of 10. Hammer. financial score zero out of 10, as you. predicted. Get your Zikoko credit score. at Now, click that join button, join the. best membership on YouTube. Three. premium shows posted every single day, six days a week, called Hammer Elite, where you get to watch an extra 20. minutes of this episode, where we're. going to call the parents to get their. perspective, called the financial audit. post show. See you there. Call the. parents. >> They're going through They don't know. what any of this. >> They're struggling, right? They're. struggling. You have to help, right? >> No. >> So. I heard mom say no in the background.

>> Have you ever up in your life? >> With my choice in men. >> That's crazy. That's actually a crazy. >> You know, are you really thinking Are. are you really at your breaking point. where you might leave this relationship? >> I just launched a brand new Hammer Elite. app available on every major platform. To celebrate the app launch, I'm. offering 30% off the annual plan in the. month of June only. Plus, I have an. exclusive offer just for you. But, I'll. only have a thousand available to. purchase. You'll get lifetime access to.

the entire [music] Hammer Elite catalog. and my Hammer for Life box packed with. limited edition merch. Download the. Hammer Elite app by using the link in. the description or pin [music] comment. down below. This is the best membership. you'll ever join, and that's a promise.