The Biggest Losers I've Ever Had On Financial Audit

Why did you tell Lindsay you feel dependent on  him? Because he spoils you. You have like $5. left to your name, if that. And if there's one  deviation from an electric bill, a water bill, you're I'm screwed. Yeah. You're [ __ ] Haven't  you only been bailed out endlessly? I mean, I have had bailouts from my family in the past.  Where's any kind of personal responsibility or. advocacy for yourself? I mean, he's the piece of  [ __ ] Don't get me wrong. He's the one doing it. And you're willing to promise her that, hey, if  you birth out a kid, honestly, I have a note that. she doesn't even want for what it's worth. You  don't even want a kid. This is the final day.

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this is literally your last chance. Don't miss the  opportunity of a lifetime. Download Dollarise to. start your free trial. Go to dollar.com or click  the link below. Hi, my name is Zoe. I'm 37. Hi, my name is Jimmy. I'm 50 and we're from central  Arkansas. And this is Financial Audit. Why would. someone with your accent land in central Arkansas?  Out of all places in the United States to go, central Arkansas. So, it's a bit of a long story,  but long story short is I met very short. Yeah. I.

met a girl on the internet back in the mid '90s.  Well done. Was not me. Yeah. And uh that girl. met me in the mid '90s. Oh jeez. And uh got on a  plane and flew to America and the rest is history. Okay. In central Arkansas. Yeah. Well, that's  where she lived. So like reverse 90day fiance. way before kind of. Well, actually, no. I guess  it is cuz you came to America. So I guess it is. to America. Yeah. So that's 90day Fiance. I came  to America 2 days later I got married without a.

social security number. Really is 90day fiance.  Well, welcome guys. Thanks for coming down to. Austin. I do appreciate it. Zoe, you are right  in front of me. So, let's start with you. You. never saw this coming. I summoned pot of green to  draw three additional cards from my deck. What do. you do for a living? I um do customer service  at a bank. I'm in the call center. Sure. Have. we ever talked? Probably not. Okay. Hey, I would  hate you if I did. And what do you make? Yeah, just nobody likes it. What do you make? Um, I  make like 1672 an hour like or 1672 an hour. I.

think it's 1672 an hour. Yeah. Okay. How many  hours a week are we working? 40. Yeah. Well, usually about 41. Yeah. I get a little bit over  that one extra hour. So, what do you make per. paycheck cycle and what is that paycheck cycle?  Um, I get paid every two weeks and it's roughly. $1,200. Cool. 1,200. Listen, central Arkansas,  lower cost of living compared to the rest of.

the United States. But Jimmy, what do you do? 50  should be honestly past the height of the career. at this point. You're on your way down. I knew  you were going to say, well, yeah. Yeah. Um, you look good for your age, I think. Well,  thank you. Uh, I work hair dye. No, no, everyone asked me that. No, it's it's all natural.  Well done. Um, yeah. So, I'm 50 and I work for. a big telecommunications company retention  and I bring home about 1,800 bi-weekly. So, 3,600 a month. Okay. Okay. So, 3,600. Good. Are we  married? No. Dating. Did you just say yes? I said.

no. Oh, you said no. Okay. I was going to say that  would be a weird disagreement. Oh, okay. Yeah, that was a funny joke. Okay. Um, so what's  going on, guys? What are we talking about? Well, I uh have a bit of a spending habit when it comes  to buying collectibles online. The the FOMO living. in the moment. What are you collecting  besides women in central Arkansas? Well,

seems to be it's like racing racing memorabilia,  you know, car racing memorabilia. Okay. Racing. towards young bigger and bigger age gaps or  No. I mean, I don't really give a 4750. I mean, it was it was in the note that like it was  like, "Oh, the age gap." And I'm like, "I mean, you're you're past 21. I don't give a consenting  adults. Who who gives a shit?" Um, but um I mean, it depends where you guys are in life. There there  will be an interesting thing where she's going to.

be towards the height of her career and you're  going to be entering social security age. Like, that's odd. Like, that's an uncommon thing, at  least in today's culture, for sure. and yet you're. the one spending all the money. I think more than  anything, it's the fact I don't even think that. that's the actual issue. I'm looking over. It's  the weird way that you are living your lives with. I think you're not even paying your own mortgage  if I'm not mistaken. I'll need transparency there.

But not only that, she lives with you every other  week like she's an adopted child or like a split. custody child. and they're spending time. This is  very confusing. Yeah. So, so what the is actually. going on here? Right. Well, I think what's  happening is recently with my purchases online, Trump's tariffs have been kicking my ass. Like  your purchases online? Yeah. Okay. Don't purchase.

Right. But again, can you afford it? What's your  return? I have 50 years old. You're not going to. like that. It's bad. Well, it sounds like you  probably shouldn't be making the purchases. regardless of any tariffs. It's uh it's at about  my real time is about 50 grand right now. Well, that's a complete joke for your age. So, why are  we purchasing without tariffs? Are you giving. him a hand job under the table? What's happening  there? No, I'm just petting his knee. Okay. Um you. know, it's just it's giving him some comfort.  No, it's that's fine. It's just uh you know, the the purchases. I mean, I have that fear of  missing out and you know, fear of missing out.

of what what are you missing out on? Well, you  know, like what collectible are you missing out. on? like you know like replica race helmets  for example is usually what I what I buy and. they're quite they're quite expensive and like  they're usually the like one of a kind items so. there's like you can't one of a kind item that  who cares about what about the missing out on. retirement you're not afraid of missing out  on retirement what are you going to do it's. not like she makes a killing then all of a sudden  you she's going to be well I don't know are you. going to say did so you married the other one how  many have you been with since her how many are we.

trying to lock down you mean before me well in  between the one he moved here for and you are we. bouncing between women. Just just two ex-wives.  Yeah. Oh, so yeah. That's not like casual. No, these are ex marriages. These are they weren't  just dating or messing around. No, exactly. So, you ready to be ex-wife number three in  the USA? Ah, cuz that's where this trend. is heading. And then it's really weird that  you like again are like a split custody child.

Well, I have kids that I do have split. So, you  have done that yourself? Yes. Just very good. Okay. Uh, so what's going on with that? How many  kids you got? You have kids, Jimmy? I do. Two two. girls in their early 20s. Okay. Okay. Almost  almost ready for you to date. Just, you know, if you weren't really Not that young. I have my  limits. I'm about And you? Yeah. Um, I How old are. they? I have two kids. um a girl that's about to  be 14 and a boy that's about to be 11. Okay. Like.

this week and in a couple weeks. So very close.  I'm proud of him for that. So why are you with. him on a week and why aren't you paying your own  mortgage? I don't even know what that means. But. let's start with you. Why are you only with him  every other week? Um so with my ex-husband and. our two kids, we have 50/50 custody. So, I have  them every other week and then he has them for a. week. And on my week with the kids, you stay with  him when you don't have your kids. Correct. Yes.

When I have Why? Why? Why? Why can't you stay with  him when you have your kids? Are you guys going to. be together forever? Are we focusing on this as an  actual future relationship? We I mean we would. He. has You would if if what? He has no issue with my  kids. Like, if we had enough What do you mean we. would? What's would means but we would But there's  not enough room. We would need a house big enough. for the Brady Bunch to have his kids, my kids,  his dad. They're in their early 20s. They're.

still there. No, one of them is still living with  me. The other moved out recently, but yeah. So, one of my kids is still living with What do they  think of new mama? Oh, yeah. They get along with. her. I mean, okay. It's always pretty easy to get  along with. They love me. Um, but at first they. did ask what in the world we would have in common.  Yeah. But they had some they had some issues. with the age gap initially. Why 3750? I mean, you  guys are past what do you have in common? I mean, you're not like nine and 20. Like, what? I think  you guys would pretty much have everything in.

common. You guys are well in your adulthood.  What is there not to have in common at that. point? There's not like weird things that happen  at uh 49 that isn't happening at 36. I mean, it's I I don't get it. Okay, that's weird. Well, I  mean they are their early 20s, so they think that, you know, you Yeah. I mean, in their early 20s,  yes, that would be a different stage of life that. someone nearing retirement for sure. So, we didn't  have that thought about we have nothing in common. It was his daughters that did. Yeah. But we do  have lots in common. I mean, and uh about about.

the mortgage. So, if I could talk about that a  little bit. I mean, please. Yeah. So, I mean, I've lived in my own house now for about the last  7 years. And my dad moved from Australia to the. States to live with me. And he ended up, you know,  selling his house for about 600,000 Australian, which ended up being about 410,000 American  dollars. And well, one of the things he said to. me before he left Australia to move in with me,  cuz obviously we talked about it, he was like,

"I'm going to make your life better. I'm going  to make your life better when I move with move in. with you." True. Well, the [ __ ] is why why would  he make your life better? What is that? That's. a weird thing. Yeah. Because he knew about my  financial situation. That's what men say to women. They want to Well, I mean, this is like what  I'm I'm his, you know, last remaining child. So, when he when he moved here, you know, he basically  lent me like 40 grand to pay off, you know, bad credit card debt. I got all that paid off.  That doesn't fix anything. That doesn't change. any behavior. Well, last year it didn't change  any behaviors. This year, I'm I'm working on it,

but it's it's a work in progress. We're like 2  months into the year talking about that's nothing. Yeah. And anyway, he uh he said he was going to  pay my mortgage for all of 2025. So that that was. that happened in Okay. You want dad moving in with  you regardless if he's paying the mortgage? Well, you actually like actively want that. I mean, I  love my dad and I gave him Yeah, but you want him. to move in with you. I love mine, too. Wouldn't  want him living with me. I mean, I'm I'm happy. that he's there. I mean, I gave up a third of  my house, you know? He's got he's got the master. bedroom. He's got the master master bedroom master  bathroom. Yeah. like I'm living in my my kid's old.

bedroom. It's a It's a bit of a weird dynamic,  but it it works. You It was a weird dynamic as. in you wouldn't send us your mortgage statement  because my dad's paying it, so you just wouldn't. send it to us. It was an oversight, but I mean,  I oversight. You wouldn't send it to us. I mean, I don't mind showing it to you, but I mean, I can  tell you exactly what my payoff amount is. Well, I will need to know that in your financial audit.  And believe it or not, I don't know why you. wouldn't send it cuz my dad is paying it. So, he's  still paying it into 2026. Into 2026 and then it's.

on me and but so this and when what are you you're  50. Why are you acting like you're 15? Well, you know, I just Why'd you get a house if you  couldn't afford it? What are you doing? And also. get out of it if you can't. I could I could afford  the mortgage. It's just that I was overextending. my credit cards to, you know, keep my head above  water, you know, like using my credit cards to buy. groceries before he moved in and, you know, stuff  like that. It was a bit of a tough situation. And. how do you feel about Papa being there? I mean,  I understand I guess not moving in with that,

especially if you're saying you don't have enough  room. Well, yeah. It sounds like he's taking up. the master bedroom. Yeah, it's um it's definitely  an interesting dynamic. It was fun coming home on. that that first Well, it wasn't our first date.  It was like our third second date. Oh, she's not. a [ __ ] Oh, no. I just we didn't even do anything  that night, but I was just saying coming to his. house for the first time and meeting his dad um  was a little odd. Um, and uh, yeah, it's a little.

complicated. He's always there. He um, he lives in  the kitchen on his computer. Yeah. From like 7:00. in the morning to basically midnight every day.  Rinse, repeat. That's what my dad does. He just. What do you want? Do you want him there or gone?  I mean, I don't mind him staying there. I mean, well, it sounds like it kind of You're like,  "Oh, that that's all he does." I mean, it was. I think basically this is like, you know, he's  in his twilight years. He's in his mid70s. So, I think the the way he looks at it is he's moving  in with me. He's helping me out financially for a. while and if anything happens to him like you  know health-wise or what have you, you know,

I'll be there to take care of him. I think that's  that's what he's looking at as far as the big. picture is concerned. Okay. So, how long have you  guys been together then? Today is our 16 month. Yeah, 16 months. Almost a year and a half. Yeah.  anniversary. Yeah. You're counting by the months. like it's a newborn. That's weird. But are you  guys getting married anytime soon? I mean, we've. talked about it. I mean, it's it's on the cards.  It just, you know, we haven't on the cards. What? What? What are we looking at? So, I am open to  marriage and I'm not in a hurry to get remarried.

cuz I was in my last marriage for just about 15  years. Um, but he uh, you know, he's been married. twice and he's not really excited about a third.  Well, you know, married and divorced twice, it's. expensive. And, you know, well, what did you do  wrong? Well, I mean, it's a two-way street, right? I mean what what did I do wrong? I mean what  about what was wrong? I mean okay so the the first. marriage it basically ended in I mean financial  infidelity and then just actual infidelity side.

her side. She cheated. Yeah. She cheated toward  the end of the marriage, you know. And that's. when we had we had two kids. Yeah. It was pretty  pretty horrible. Um second marriage was basically. just financial infidelity. Like she would hide  purchases like she was addicted to buying clothes, addicted to buying shoes, you know. You were  hiding purchases in the end I was because Oh, there you go. It sounds like both sides. Yes. I  mean, you know, and then the sick of marriage, you just kind of grow apart. And so, someone that  hides marriages from their spouse is someone you. want to get married to. Uh, well, I mean, it's  kind of what I'm used to, I guess I could say. Oh,

good. You want to repeat that? No. No. He's He's  way better than than my ex-husband was. Um, how. do you know? Are you guys combined? No. How can  you say he's way better than your ex-husband? Um, I just mean emotionally speaking, I Everyone's  a victim of their ex apparently every time. It's like no one no ex was ever good in the  history of relationships. It's like grain of.

salt. I don't really believe you what 15 years  with someone. What? Um, so with him, honestly, we never should have got married to begin with.  And then for a long time we just our I stayed with. him because of the kids. But um he is definitely  a narcissist. Okay, great. And um he also hid a. lot of spending and um and you want to repeat  that cuz this is someone who has done that.

I'd be like, "Well, I don't give a [ __ ] about  it." It's his dad. I don't really care. But he's. paying your mortgage. He's helping you get out  of a shitty situation. Yeah. And you're hiding. spending from him while he's extending  his mortgage paying into this year. So, his behavior is continuing. Yeah. How can you  say it's better? How can you say it's getting. better? How can you say this will be better? Yeah.  I mean, last year I kind of squandered, you know,

because I was basically saving 2,000. I mean, I  had $2,000 I could save every month and I really. should have put it, you know, toward doubling down  on the mortgage, but I basically I just No, you. don't have to double down on the mortgage. I mean,  I like on the payments. I mean, why that doesn't. make sense. You have nothing in retirement. Well,  I mean, financial expert over here. Yeah. I mean, well, and then that's always a thing. I mean,  you said that my retirement at my age is a joke. I know it is, but it's like that 6% getting  company match in a 401k like that 6% of Well,

I mean, I know it wasn't enough, but even at 6%  it was I couldn't afford it. The last few years, you could you probably spend money on [ __ ] I  mean, you're hiding spending from your dad today. I'm being told. Well, and how can you tell me it's  not going to be a repeated pattern with her if you. are literally doing that to your dad right now?  Yeah. You said you could set 2,000 aside a month, but you're not. So, how is this going to  be better for either of you? Sounds like. a repeat. You like someone, so you're willing  to head down the same path you already are,

and then you're going to claim victimhood in 5  years. Oh, I was dating a narcissist. I married. a narcissist. I got bred by a narcissist. No, you  see it right now and you're going to go down it. again and then be like a permanent woman victim  again 5 years from now, cry all over Twitter. and Tik Tok or something. No, you're literally  seeing this and now you're defending it. I mean, where's any kind of personal responsibility or  advocacy for yourself? I mean, he is the piece. of [ __ ] Don't get me wrong. He's the one doing  it. But you're walking right into it and you are.

already preemptively defending it. So, how could  I have any sympathy for your past relationship. or this one that you're about to get into even  further? I'm upfront with it. I mean, I He tells. me about all of it. He's hiding it from his dad.  He's telling you, but he's if he's already hiding. it now from the person that is there to bail him  out, what is preventing him from doing that in. the next multi-deads to you? How are you not  connecting that dot and immediately defending. it? Well, I mean, I don't hide everything  from him. It It's just be Okay, so something.

came in the mail one day and he knew what it  was and he was like, "If this happens again, I'm not paying the mortgage anymore." And I was  like, "Well, shit." Yeah. I mean, and you know, I I changed my habits for a couple of months and  then the FOMO comes back. I mean, I know you don't. appreciate the hobby and and what I'm collecting,  but I mean, that's I understand hobbies. I get. that. But I also understand your retirement is  a joke and you're hiding it from your dad who. was there to bail you out. I'm not hiding all of  it. And and he knew my situation. Stuff that is.

at least impactful you are though. And even just  hiding any of it, like what are you determining? You're hiding 50% of it and that makes it okay  cuz it's you're not hiding. That's why I was. determined to go into 2026 debtree like clean  slate. I didn't and well I kind of I mean I kind. of did except for the my consolidation loan but  that was well that's not debtree. Consolidating. debt is not debtree. He keeps forgetting about  that one. What do you mean that's like everything. if you consolidate all your debt into another  debt doesn't mean that debt is gone. Well in.

a way I mean in a way it is because I I didn't  run the I didn't run the cards back up that were. paid off. I didn't run them up. Yeah. What has it  been a couple months and I see you're spending. We. spend more than we make. So, how long until then?  Yeah. The hobbies that we're hiding. Yeah. I mean, it Yeah. The spending more than I make. That That  is an issue. It is an issue. Your dad came here. with over $400,000. He's down to $110 to $120,000  now. Yeah. And you're just allowing him to do. that for his entire life. That's his entire life  savings cuz he came over from selling that house,

right? Yeah. And you're just it well blowing all  the [ __ ] on hobbies. Well, my dad's always had. an issue with spending. I mean like since uh what  he said is he was spending he's you how do you. possibly just deflect to that dude made money he  came here he's paying for your mortgage and he's. draining it down paying your mortgage how is it  your dad having an issue not you having an issue. not being able to pay your own mortgage and when  he does instead of you setting yourself up for. any kind of success for when he's no longer here  cuz I doubt he's young you're blowing it all and.

then you immediately say yeah he's had problems  spending you you've had problems spending what. are you talking about how' you deflect to him  immediately I'm not blowing blowing his money. except for what he is putting towards a mortgage.  What I'm talking about? Yes, you're blowing your. money while he's doing that. How are you saying  he has a spending problem? He's paying for your. mortgage. I'll tell you, not even a month  since he moved to uh America. He spent like. $25,000 on what he called his little hot rod. It  was a 2007 bright orange Mustang with a flame job, V8 engine. You also let him buy you a Corvette.  Well, yeah, I did because he he said, "Would.

you like a Corvette for your birthday?" Who's  going to say no to that? Me if I care. Okay. So, you're saying I don't care about my dad because  I let him buy me a Corvette because his finances. have gone from 400,000 hours to 120. Yeah. And  Well, that was at the very beginning though. We. still had 400,000 at that time. Yeah. Well, that's  the start of draining it down. Yeah. I mean, and he bought he bought his, you know, he  bought my oldest daughter a $25,000 Subaru. uh SUV. And uh I mean, I I could go on for about 5  minutes about what he spent his money on. I mean,

but you have a problem with him doing that, but  not a problem buying you the your your Corvette. and not a problem with him paying your mortgage.  I do have a problem with with him doing that. And. I and I called him out on He's like, I know, I  know, I know. And there's like ST 74 going on 75. Yeah. So, I mean, he's he's getting up there. And  sometimes I feel like, you know, maybe there needs. to be some type of uh, you know, I don't know,  conservatorship or something like that over over.

you know, his money. I bro, you're taking care of  your mortgage. I know. Yeah. For another eight or. nine months. Yeah. Eight or nine months. How How  do you determine when that's done? Cuz it supposed. to be done 2 months ago. I know. And so how do how  do we deter And this is what you want to get into. Are you hearing this? I mean, he's a generous  guy. He's a generous guy. I mean, he is. He be. a generous son and say no. And actually take you  guys make decent money, especially together. Now, I understand we're not combined because we're  not married yet, but even when we are married,

Jimmy doesn't want to get combined. Yeah, that's  an easy way to hide spending. Are we not stacking. the red flags at this point, lady? You want to  get combined? He does not want to get combined. What the he Well, when we've had the discussion  before um about what it would look like when we. do merge everything. Um I am the traditional the  way I did it in my 15-year marriage was, you know, we had one account that everything went into. His  check went into my check went into all the bills.

He also said he did hidden spending and stuff,  so I don't think that even worked for you. But go. ahead. Yeah. Well, he gas station purchases every  day, you know. Um, hidden or did you see it? Cuz. you had a joint account. Oh, I saw it. He was just  lying about what it was for. What was it for? Um, mainly cigarettes and lottery tickets. Just a $1  scratchy. Thank you. Ah, 50 bucks. Continue. So, you had joint before and you want to be joint now?  Yes. when you get married and eventually divorce.

once we once we get together. Yeah. You know,  permanently. Um that's how I see it. You know, maybe having separate accounts for fun money just  so we don't have to, you know, as long as it Okay, but he doesn't want this. Listen up. If you want  your savings to actually earn something, I got. something for you. Plus, you can get up to $350 to  kickstart it. The average savings accounts right. now are paying around .39% APY. So, if you've got  5,000 dollars saved, you're earning like 20 bucks.

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Don't put this off. Sign up today and actually  make your money work for you. Let's get back to. the show. You suck with money, so you download  a budgeting app. You start with the classic one, wab. But everyone just deletes it because it's way  too complicated to use. So you go to every dollar. 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.

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that I get paid every 2 weeks into an account  to cover the household items, you know? Yeah, but that's you transferring money into it. Not all  the money goes into it and you transfer a little. out for fun on separate. That's different. I mean,  it could be the other way around as long. Okay, so my first marriage Well, I She shook her head  and I know that's not true from the notes of. the phone call. That is a That is a walk back cuz  you're on camera, right? Right. I like I like to. have a little play around. So, what's happening?  What's a little play around money, though? I mean,

to the to the point where I don't have to make a  call and go, "Hey, honey, can we check the bank. account? make sure there's like $7 or $10 so I can  get a 6 in Subway sandwich. Like I don't want to. do that. That's that's No, it's it's less about  that. It's more about we have conversations at. the beginning and end of every single month  after we go through the budget and see what. happen and know what can be allocated to things  like 6 in sandwiches, which I don't know why the. you're going to Subway all places, but even still  you are. And that is an agreed upon conversation. at the beginning and end or mid of every single  month. It's not for every single purchase, but if.

they're separate accounts and money is going who  knows where, we're not budgeting as a household, we can't agree on where money should be going and  properly allocated in different places. I mean, I would still like a bit of money to be allocated,  you know, towards, you know, my hobbies and and I. support her hobbies as well. Uh, but I would I I  don't mind cutting back on that, but I still want. to be able to to do that, you know. Well, you guys  had a tense conversation a couple weeks ago. Yeah. Yeah. It was about uh just about this. Yeah. Tell  me what happened. Well, you know, basically what. we just did, u you know, but he with his idea, he  said, you know, I would put in a chunk of money.

into a joint account. He would put a chunk of  money into the joint account and pay the bills. And he said, "Whatever's left over is our fund  money." I said, "But you make double what I make. Don't you see that causing some tension somewhere  along the way where you have twice as much fun. money as as I do?" And, you know, stuff like that.  and he said, "Well, it wouldn't be exactly 50/50. going into the joint account." You know, obviously  he, his words, obviously he would put in,

you know, a higher percentage of the bill since he  makes twice as much as I do. I have no issue with. that. But I don't know how that How was an intense  conversation then if you have no issue with it? What the [ __ ] are we talking about? Every piece  of information we have is you were not okay with. that. And you are not okay with that. Now you  sit here and say you are okay with it. I'm so. confused. I feel like that's not helpful when this  conversation's done because that is a tone change. immediately. I'm not trying to have a tone change.  She walked She had to walk out of the room. She.

had to walk out of the room in that conversation.  She stormed off. Now you're just sitting here. saying you're okay with it. I mean, I'm I'm not  trying to be controlling about my money. I mean, I am No, I think you're changing your tune on  camera. No, I'm not trying to change my tune on. camera at all. Okay, then. Why was it completely  different until you were on camera? I'm I Lindsay. asked if you guys came to an agreement. She said  no. Well, I I told Zoe that I would be happy.

to put a good chunk of my money into the joint  account. It's just that I would like to have some. playaround money. It doesn't really matter. Some  How are we defining some? Cuz you guys did not. come to an agreement and she walked away. Tell me.  Yeah, sure. I mean, I think What happens though? I. summon pot of green to draw three additional cards  from my deck. Go ahead. He's asking you. I mean, well, you were there. You're the one that told  You told Lindsay that you guys did not come to. an agreement. Tell me. We'll come to an agreement  when it comes to that point. So, like when is ever.

that point then? Well, that that is what we have  to determine. I mean, we we have You guys want to. have more kids? Yeah. What the Well, you're  kind of getting a little backwards. I mean, I'm I know I'm 50. She's 37. Well, I mean, she's,  you know, she's in the the twilight years, right, of being You want to have more kids or not? I  even know that you want to. Then what the are. you trying to tell me? I'm just I'm just saying  the the likelihood of us conceiving is pretty low. And Okay. Well, she just ripped out the IUD.  Well, well, that's right. Yep. We yanked that.

sucker out. So, are we wanting and trying to have  more kids or not? Again, I feel like you're doing. the thing that just happened in the last three  conversational points where you're literally. backing out of the exact topic that we had in your  pre-in trying to have kids and now you're saying, "Well, I know I'm old." So, that that wasn't the  conversation. You told them you are trying to have. kids. You want to have kids. What are you doing  here? I'm just saying why are you giving this like. why are you doing this uh looking like a good guy  on camera when this has absolutely nothing that.

has happened in the pre-in applicable to anything  that happens after this. So why why is he acting. this way? You're saying the things you know that  make you look good but not the things that applied. to anything that happened before this or anything  that will happen after this. Meaning this is no. longer a productive conversation if you're  going to [ __ ] I'm not I'm not bullshitting. Okay. Well, that was not the information you gave  before. We are of the mindset that if it happens, great, but we're not going to be going into any  like fertility doctors or anything like that. So,

we're actively trying. We're just not going  to pay extra medical [ __ ] Correct. Yeah. Should we bring a child into this? You guys are  preparing for a child when she can only You guys. are actively dumping come in there for the sake of  children while she only stays with you every other. week. I visited her, too. I don't think I mean,  okay. Well, she only stays with you every other. week. Well, your dad is still there. Well, you  have nothing to speak for for retirement 10 years.

away from retirement. In fact, even less so if  we're talking like Roth accounts, 401k, Roth IRA, you have nothing to speak of as far as I know.  You guys are completely up lives. No room for. the current kids and we're banging to have more.  What the are we doing, guys? I feel like this is. literally the most irresponsible thing. Why aren't  you moving in with her? We've talked about that. Well, it sounds like we've talked about a lot and  agreed on nothing ever because no conversation is.

productive because we just say what makes us look  good. He says space. Space is good. I do like. my space. I agree. You can have space in a same  house. That is We've also talked about that. Yeah. Well, I'm glad we talk about things. What did we  come to when we talked about it? Well, have you. ever talked about something and concluded? Follow  through with it. Yeah. I mean, well, according to. her face, no. But yes, you go ahead and say yes. I  mean, I I would like to follow through with that. I mean, so our discussion about that was if my  youngest daughter ever decided to move back home.

to her old room that I'm currently staying in, why  would she? Well, if her rel if something happened. to her to her relationship turbulent relation  turbulent turbulent relationship it's it's no. but if if she were to ever move back home I had  discussed with Zoe that you know I would since I. work from home I would you know after work go to  her house hang out and go back to work the next. day acting like you're in high school. This is so  weird and you're trying to bring a kid to this.

You won't even combine finances. Well, I know the  likelihood of of bringing a kid doesn't matter. It can happen. Robert Dairo has done it many of  times. Well, and I'm sure he spent a lot of money. to do that to become a father dropping loads,  man. Well, then he must be very You're the same. age as Elon. Dude's busted nuts left and right,  popping out kids. Elon's older than me. I'm sure. he's he's paying something to to look older and  he's actively Well, yeah, for some, but some he's. just busting out. First of all, I mean, you're  50. You can b like you're you're [ __ ] going. It's her. It's her that we're concerned about and  she's on that edge. And then other things as well.

Okay. But it can still happen. And I'm prepared  for that. I mean, I would cut out. Are we Are we. prepared? Cut out all the [ __ ] tomorrow. That's  my point. If you could, then why aren't you would. be my question. You weren't willing to for the  sake of your dad. You're not willing to for the. sake of her. You weren't willing to for the sake  of the last ex before that. So why the would this. be different? You weren't willing to for your  other kid. You weren't willing to for the other. kid besides that kid. Why is all of a sudden it  is different for this? This is the man who says.

the good words, who promises the good things, who  does the good talk, but never does the walk. We've. seen it time and time again. Every woman that  has seen it in a relationship, every woman has. said in a relationship, it will always happen.  Tomorrow never comes. Tomorrow never comes. But yet you keep doing that and her and a child  might come into this situation that is completely.

and I don't think you'll change anything. You're a  broken record. Your pattern is relentless of never. changing anything. And you're willing to promise  her that hey, if you birth out a kid, then I say. I have a note that she doesn't even want for what  it's worth. You don't even want a kid. Why do I. have that note? I wouldn't have that note if it  wasn't something. No, I I I mean I have my boy, I have my girl. They are of the age where they can  take care of themselves. So, yes, finally. Um, so,

you know, I wasn't super, you know, I wasn't  super eager of having another kid, you know, two and done kind of thing. But, uh, he, you know,  really wants, uh, you know, especially a boy, he would be happy. There you go. You actively  want. I mean, it would be nice to carry on the. family name. The family me, right? I mean, [ __ ]  Well, you a little. What What's your What's your. family? You're not a dynasty. I don't Well, I  mean, who cares? What do we're We're not in the.

middle evil era. What What What are you What What  are you passing on? I mean, my family is from that. time frame, but I mean, but you know, every  family's from that time frame. Welcome to the. human history. But like family name, what legacy  are you? What legacy are you trying to push on? I. don't have I think I put pressure on myself to to  carry on the family name because it it ends with. me like if I don't have a son and will the world  the world will the sun will rise in the morning?

Sure. That's but we lose. I mean to to answer what  you what you were saying a couple of minutes ago, I think it it's it's about selfishness. I mean,  and maybe maybe a little entitlement because. I mean to give you some context, you know, cuz I  said earlier that my dad has always been bad with. money, you know, this is going to date myself,  but we owned a video store in the '8s and '90s. and good time to own one. Well, it was Yes. It was  a boom time for videos and VHS and all that. And. my dad would be the reckless spender and my mother  would be the one that would put the flames out and.

try to make numbers meet and wham. So, I need  to impregnate a woman who doesn't want to have. a kid while everything is and I've never changed  behavior once because my dad owned a video store. in the 80s. What the [ __ ] are you saying?  But what I'm saying is is that that pattern. of his reckless spending is he hasn't changed.  He's still the same. And Oh, so that means you. should not change. What the are you saying?  I don't give a [ __ ] about your dad. Well, I mean, the byproduct of of what's happening right  now is is because of that. And I'm very grateful. for that. He's paying your mortgage. I know. And  I'm very grateful for that. I mean, what the is.

he saying right now? It may it may not look like  I'm grateful for it, but I am. But I think No, just like literally what's your point? I I I would  love I loved being pregnant. I love babies and. toddlers. I love all of that. And I think he would  be a great father. You loved being pregnant? Yes, I am one of those. Some women don't, but I mean  Zoe does. What is being loving being pregnant. even? I just I felt strong and powerful and  beautiful and I don't know. It's the one time. in my life I actually liked my body, you know?  I don't I don't know. It's hard to explain it.

Oh, I mean, you make life until you, you know.  Huh? You can feel the baby and, you know, you just. carry on life, right? I mean, you're making life.  That's beautiful. Oh, yeah. No, it is beautiful. I just But don't really hear that. I didn't um  have a lot of help when my babies were babies. So, that's another reason why I was like two and done.  But, and you think you're going to have help now?

dude doesn't fix his [ __ ] for what it's worth  at all and you guys only spend a week at a time. together. He is super he's he's super hands-on and  and helpful. Hands on what way? Well, I mean I I. was getting up at 2 3:00 in the morning, you know,  taking care of my kids when they were little. I. mean, uh she never had that help when when she had  her kids when, you know, when they were little. So, I mean, and when they're participating in  sports and wanting to learn at 10 and you're 61, then what? Yeah. I yeah at at this rate I will  not make it probably to 70 if I very good that's.

that's what you want to hear when you're  about to birth a kid and that's when they're. graduating high school. You like hearing that? No,  I definitely don't like hearing that. He is um you. know along with the finances we are both working  on being healthier u the last two months or stuff. we've been okay that means nothing then tell me  when you've done something for 6 months I have. your most recent statements it's all that means  nothing to me your food spending is ridiculous. shut the up is when when you're absolutely  when you're really bad but just because it's.

slightly better than being even worse doesn't mean  you're really bad right now is Okay, it doesn't. $500 going out to eat. Unknown spending 1,113.  Guarantee a lot of that was going out to eat. Miscellaneous [ __ ] Stopping in and getting  some [ __ ] Uh energy drinks, whatnot. Another. 500 bucks. So now going out to eat in one house,  probably about $1,200. Other large purchases,

we don't know. This food one month. Jesus Christ.  This was an additional $4,220, I'm assuming. Yes, cuz mine doesn't. does not suggest being better  financially. It does not suggest eating better. And no, that is not your dad's fault for having a  video store in the 80s. That is you swiping your. card, getting those points. Uh-huh. Getting  those points. He likes those points. Dropping. dead on the floor before 70 before your kid has  graduated high school if we had a new kid, which.

there is a chance. And I know right now you also  admitted to getting to the point where you're kind. of dependent on him financially. That's what you  said. Well, you're dependent on him financially. because he spoils you. You sucker him into  spending money so that you can go out to eat and. just further go down that hole. Well, to be fair,  I getting a headshake. I'm getting an agreement. Finally, he agreed to something that was said  before you guys came on. Ouch. Yeah. Well, I make.

enough to to support myself and my kids, and I was  getting by without him perfectly fine. I just Now. you're dependent. It's very close. Both of them  immediately change their tune when they come on. the show. When the point that the other one said  before coming on is against them. In fact, she was. the one that said, "I feel dependent on him cuz  he spoils me." And now she's on camera, changes. her tune. Chat, never come on the show if you're  like these people. Well, I mean, if if we were to.

break up tomorrow, I would I mean, financially,  I would be okay. I make enough to support me and. my family, and I did. Why did you tell Lindsay you  feel dependent on him? Because he spoils you. Your. words? Well, I mean, yeah. I certainly wouldn't  be as enjoyable without him. For sure. Cuz I can't. And I mean, I can't afford anything. Everything  is is paid. You have like $5 left to your name if.

that. Exactly. And if there's one deviation from  an electric bill, a water bill, you're screwed. Yeah. You're Yeah. That doesn't sound like you'd  be able to be independent. I I mean, I was for. almost 2 years. It was, but now you're not. I  mean, it was different because you were living in. an apartment. Now you have your own house. I mean,  that is true. What? How could you not bring that. up in the context of you saying you' be fine? What  the is wrong with you? No [ __ ] That's different. It's a lot different. What the is wrong with  you? I swear both of you just want to just say.

the right thing. Oh my goodness. I mean, the house  is in the apartment. You know what that means? You. guys are actually worse than the average guest  that comes on and says bad [ __ ] because you. guys are just hiding it. Meaning, you're not  willing to take accountability for one single. thing in your lives when you're in the wrong.  Not one thing. Meaning you're going to you guys. are going to be the average guest changes their  life after this. You guys are going to get worse. not willing to take accountability for one thing  that is happening. Not only that, the things you.

justing said before coming on. It's disgusting.  Good luck, brand new kid. What do we think. the household financial score is as a combined  household today? Zero being the absolute worst, 10 being the absolute best. I'm going to go with  four. Two. All right. If you want your Hammer. financial score, get it. Link in the description  below or at caleb.com. Just takes a few minutes. just takes a few minutes and it is free. See where  you stand in the world of money, where you need to. improve, what you need to do to improve, and  where you're already doing great. And if you.

don't want to be like the guests that end up on  this show who clearly don't know their numbers, download Dollarise, start your free trial,  and you'll immediately see once you connect. your accounts where everything is going. You'll  get incredible insights and how to change your. life. Check it out. Most people after the free  trial take the annual version if they like it. because it saves 50%. And then you get my personal  30-day budget meal plan signed by me. This one's. already signed. Sign in boxes. It is a detailed  meal plan for every day of the week. Snack,

drinks, all the good stuff. So, you no longer  have an excuse that, "Oh, cooking's hard. Oh, I can't budget on a low budget." It's all there.  It's all wonderful. And the only way to get it. is by getting the annual version of Dollar. I'll  sign it and send it directly to you. Wise.com or. the app store. Let's get into these finances.  City personal loan. Is this the consolidation? That is a consolidation. This is the consolidation  at a 13% interest rate essentially. Man, I thought. that was pretty good. I mean, why is that good? I  mean, I'm sure it's better than a 30% credit card,

but why is that good? Honestly, I thought it was  like 9 or 10%. I didn't realize it was uh 13 point. something. Then why when you heard it did you  say, "Well, that's pretty good." I mean, if you. thought it was lower, I mean, it's better than 17  or 20, right? But yeah, I Oh, that makes it good. if I only smoked once a day versus three. What  are you talking about? It was It was just to pay. off debt. It was to go It's not paying off debt. I  It was just trans. It's transference of I realize. that which by the way before change of behavior  which we know you did not via the statements here.

with only $50,000 in retirement at 50 years old  dying on the Walmart floor. The fact is you're. just going to hurt yourself. You may have been  good for a month which no you actually haven't. been cuz regardless maybe a little better but not  good. you are going to end up in the same exact. position because it has happened every single time  in the history of the show that guests have come. on that have done this or bankruptcy or credit  card transfer or a debt consolidation program. They end up in a worse position because now they  have that debt and then they build up their other. debt. Okay, maybe you haven't built it all the  way back up in one month, but you will cuz you.

[ __ ] cuz you cope because you blame everything  on your debt even though he's paying your mortgage. like a weirdo. You're about to have the expenses  of a children, a child potentially if it happens, which it might, and there's a halfway decent  chance for what it is worth. And then you consider. this actually paying off debt. Just having that  mindset alone suggest that it will build back up. And this doesn't terrify you to get into. This  doesn't terrify you in every way whatsoever. It. does consume me. And well, good thing I wasn't  asking you. I was asking Zoe. I was looking at.

her, but she wasn't looking at me. I don't know  if she was looking for a donut somewhere, but. I didn't hear the question. Oh, good. Wonderful.  Okay, I was reading the notes. The smell of the. bagel shop downstairs is really filling the room.  I mean, this may be difficult for you to believe, but I have changed. I mean, for example, I  just hang on a second. Shut the up. No, I just. I mean, but you're spending more than you make,  so that's not going anywhere. I I don't know what.

the we're talking about. And I would also be  worried about AI debt. Yeah. Or AI. I mean, I. I I position. Yeah. Absolutely. You're not really  doing anything to get you there. A couple thousand. and 50,000 in retirement or 50. It's not really  changing your life and spending thousands more. than you guys make on a monthly basis. Yeah. I  mean, and having $412,000 in debt. Yeah. That ship. has sailed as I think as far as 401k is concerned.  Okay. Yeah. It's not just 401k. It's retirement. and savings. It's being able to survive.  That's kind ofing stupid. But I'll be honest,

but what's not is actually getting a checking  account that gives you free money. Free money. We. like free money. You can get up to $350 in bonus  cash right now when you sign up for the checking. account that I use. Chime. Also, it makes your  savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money  at the same time. Who would have thought? That's. incredible. Check it out. Link in the description  below. Sign up for Chime. Get that $350 right now.

in your checking account. If budgeting apps make  you feel like, this is for you. Most people who. struggle with budgeting aren't irresponsible. They  care about their money, but they get overwhelmed. every time they look at it. They download an  app, connect their accounts, and try tracking, but within a few days, it feels like a homework  assignment. They're failing. Too many categories, too many rules, too many red alerts screaming at  them about what they did wrong. So, of course, they stopped opening it. Not because they don't  care, but because it makes them feel worse. And.

here's what nobody talks about. The stress isn't  coming from your spending. It's coming from having. zero clarity in using tools that turn money  into a failing grade. Have you ever thought, "I just want to know where my money is going  without being judged for it," you're not alone. That's exactly why we built Dollar. If you want  a calm and clearer way to see where your money is. going, try DollarWise. Download the app today and  get a three-day free trial. No setup nightmare,

no manual tracking, no pressure to be perfect.  Just connect your accounts, see where your. money's actually going, and decide if it works for  you. Click below to download Wise and see if this. helps you feel more in control without the stress.  And if it's not a fit, cancel anytime. And again, the only reason you've been able to save a  couple thousand is because you sold something, not because you changed behavior. The only reason  you were able to save a couple thousand isn't. because you changed behavior. Cuz your dad  is paying your mortgage. If you weren't able. to sell something to which, oo, what a big man.  He sold something he thought he wasn't going to. sell. You You just made a one adult decision in  the first time in 50 years. Yeah. He's Well, dad.

still pays your mortgage. If you had to pay your  mortgage and now there's not another and now you. can't sell that car again, you will not be there.  That's not progress. That is the same mindset as. the consolidation. No, I do not want to [ __ ]  on you for selling the car. That was good. But. you viewing that as making a big change in life is  a failure because the consolidation isn't selling. something. Yeah, you made the decision. I'm glad  you did that. But you didn't change behavior that. actually cut spending and saved the money. You  sold something and your dad took care of the.

mortgage so you didn't have to put the money there  instead. So I don't want to hear it. And to be. fair, part of his emergency fund is it was selling  the car and his income tax refund. And about 3,000. of that is insurance. That is still sitting in  my bank account that I have to pay uh to the. insurance company for my daughter's recent. It's  not his money. Yeah. So, so it's about 17, not not. 20, but it Yeah. And part of it was income tax and  um and your bonus stipens. Bonuses. Yeah. Yeah.

So, I just I don't know. In the end, this is it's  not a behavior change. It's really not. Really. not. And what happens when you all sudden have  to start paying your mortgage? I don't know. I. feel like the emergency fund is going to be dipped  then. No. Okay. We've talked about that. I mean, basically, the eating out is We've talked about  that, too. Okay. The eating out is going to have. to Do we get to talk about it? That's exciting.  The eating out is going to have to stop. Like I. mean maybe once a week. Hey guys, congratulations  chat. I don't have to push back on that because. the eating out is going to stop. Never has is  not, but it's going to. So guess what? I guess.

the conversation's over. He's definitely going to  change that for the first time in his entire life. at 50. What do you want me to do with that, man?  Seriously, think about it from my perspective. Sit on my side. A guy that's never done anything  right in his entire life comes here and says I'm. going to change that. We talked about it. What do  you want from me? Am I gonna say congratulations? Shake your hand. You're on your way. You're  going to change. Everything's perfect. Like you, man. I will never understand that. I'm getting  more and more of those answers on this show. It.

makes no sense. You cannot come in here with this  indication of behavior and the lack of changing. it, bragging about a consolidation and selling a  car and then say, "Well, Caleb, it's okay because. we talked about it and we will at some point in  the future change it." What do you want me to do, man? That's why I'm here. That's That's why that's  why he's here. I need help. He's hitting them all, ladies and gentlemen. I need help with nothing.  He has nothing. Why can't you budget? Why do you.

need Caleb Hammer? a who's fat and eats McDonald's  all the time, can't even get his own weight under. control to make you a budget. How are you in  life where you can't do a single thing by the. time 50 that you need a 31-year-old fat to make a  budget for you? Huh? I use a notepad for a monthly. budget. I just I go by what the notepad shows.  I pay my bills on the phone. And how's that been. working? I'm just basically flying by the How's  that been working? It's It's been [ __ ] It's not.

And how long have you been doing it? It's not  too long. 7 8 Okay. 7 8 years. So on year one. didn't work, but we kept doing it. Year two didn't  work, so we kept doing it. Year three didn't work, so we kept doing it. Year four didn't work, so we  kept doing it. Year five didn't work, so we kept. doing it. Year six didn't work, so we kept doing  it. Year seven didn't work, so we kept doing it. At what point does the penny drop? I'm like,  [ __ ] this is not working. Yes, that was my.

question, actually. Um, maybe you might have an  answer. I mean, for the last six or seven years, it's basically just been paying off debt with tax  refund, with bonuses that I would get from work, paying down the debt as much as I could, and then  recharging it back up. That was the only way that. I could afford to pay my bills, to pay groceries.  Bills, you're just going in debt and replacing it. with other debt eventually. And then you budget  on paper. Why do you need that 31-year-old Caleb.

Hammer with no college degree or credentials to  make you a budget when you have been trying a. notepad for seven years and didn't realize that at  least year five it wasn't working dollar-wise is. great. You guys get it for free forever and that  will change your budgeting habits. But guess what? Even before it came out, there were other ones.  What the is wrong with you? That's why I'm here. and we're going to change it. [ __ ] you. You're  50. You've held children. They're all out of.

college now or in college. Why haven't you done  a single thing and the only answer you have is. that's why I'm here and I'm going to change it.  I want to know why you haven't changed a single. thing. And the fact that you haven't been able to  give me an answer means no accountability has ever. been taken and no accountability ever will. Just  selfish cope. That I mean it's as simple as that. Selfish. So what's the selfishness? Why? What  are we trying to do? What is it? Living life. Do we Who do we not care about? Clearly her. I  don't give a [ __ ] about her. I do care about.

Zoe. I continuing your selfish behavior. I mean,  there is there is a method to my madness. I mean, the things the things that Explain it. Yeah.  The things that I buy, which is, you know, sometimes it's collectible racing helmets. I  try to buy them for cheap and then, you know, keep them for 6 12 months and then flip them  and resell them. And the going out to eat. The going out to eat. Flipping and selling your  [ __ ] I mean, yeah, the going out to eat is has. been kind of crazy. That's interesting. What's  the method to our madness there? We We like to. go out to eat. No method. It's literally just you  can't control your behavior to save your life. So,

is meal prepping? Congratulations. You get  one of those. That would be helpful. I mean, I don't mind cooking. I mean, I I like to cook.  I think I'm a pretty decent cook, but I forget. Maybe do it. We have started cooking more at home.  Oh, good. It's Guys, it's the same four answers. Oh, we've started doing things better for the  last two weeks. Caleb, give us a high five, guys. By the time I knew I was going to  come on financial audit and get yelled at, we started changing the moment we applied.  Like, [ __ ] off. That means nothing. I mean,

I've always cooked at home for me and my kids.  It's sporadic. It's just on the weeks when I'm. with him. Oh, good. That's indicative of a great  future together when we're together all the time. Uh-huh. So, this person alone is $13,500. Yes.  with a oh my minimum monthly payment of $1,200.85. That was intentional. I knew what I was doing  with that. You knew what you were doing with. it. Yep. You thought the interest rate was 8% and  not 13. Well, I knew what I was doing with it. I.

got a half a half a percent uh deduction with auto  pay. A half a percent. Yeah. To like 12 something. Well, what a king. You really got to pass on that  family line. You're so smart. Half a percent. We got to keep that gene pool around. I  mean, it's half a percent. It's not bad. Could be worse. Could be worse. There's a cope.  Thoughts on any of this? I advised him against.

the consolidation loan before he got it. Uh,  or against it. I don't know if I said against, but yes, I was I was against it. I did  try to tell him cuz as you may have known, we do watch your show a lot. And we like to  say, "What would Caleb say?" And um you know, I was telling him before the consolidation loan  that, you know, he needs to try to not spend on. his cards for several months before doing the  consolidation. And uh next thing you know,

he's like, "Well, I did it." It's like, "Okay,  we'll see." In hindsight, it was a dumb move. I should have sold the vehicle back then, but a  few months ago, I still wanted to keep it and I. changed my mind and recently got rid of it. But  yeah, it was it was a bit of a bonehead move. But $1,250, I mean, it'll be paid off at the end  of this year. Says who? Says the papers. I mean, I I intentionally did it. Make your payments  if your dad doesn't. And then all of a sudden, you have to make your mortgage. Yeah. Like  this is a lot of ifs and hopes and dreams.

It's not like I'm incapable. You're right. If  nothing absolutely happens, you'll be fine. But. something always happens. You're also obese at  50. Something always happens. AI is happening. Something always happens. Yeah. And that's  that's why I've been working on, you know, this emergency fund. That's why I've been working  on it for the last couple weeks before I knew I. was coming on financial audit. Stop repeating the  same [ __ ] over and over again. It means nothing. It means nothing. You selling a car, not changing  your behavior means nothing. It means I will give.

you a high five for the one correct decision  you've made your entire life. But other than that, you did not change progress. You did not cut  spending. Your dad is paying your mortgage. You are given every blessed opportunity  imaginable. Do not give yourself a high. five high for saving up a couple thousand  bucks, buddy. Do not. And stop trying to use. it as a get out of push back free card. Like my  goodness, what the do I do with people like you?

It's impossible, man. You make this conversation  impossible if you just fall back on the same. [ __ ] that we've already established is not  valid. PayPal, what's going on? [ __ ] spinning. So, this is you. Oh, that Yeah, that's me. I  thought I I thought you said, "Oh, don't you know, mate, the the consolidation was my only god." That  That is the one that I use basically for anything. eating. I thought you said the consolidation was  your only debt earlier. I don't I don't remember. saying it was my only debt. Maybe I misheard  that. I mean, I I think I told Lindsay it got.

paid down to like maybe 1,500, maybe a,000, and  it's gone back up since that conversation. So, what's even the point? I have this balance. It  went down since the conversation, and it went. right back up to this balance now. Oh, it's even  higher than it is now. See, so you're going to. you're and you brag about your behavior. You brag  about saving a couple thousand dollar, but this. one's even higher than it is now. In what world?  In what world will I ever listen to you that I'm.

going to stop eating out? You spent $26,000 on  eBay last last year alone. Yeah, I added it up. kind of as a joke just to see humorous. I mean, it  was birthday gifts, you know, Valentine's gifts, [ __ ] spending, you know, buying stuff for  myself. I mean, it Yeah. He go eBay before Amazon. Yeah. Yeah. Like anything you would normally just  go to Amazon or Walmart for, he'll go to eBay. Yeah. But yeah, he also buys a ton of helmets.  So, and that and again, some of them are to keep,

some of them are to flip, and I do I do sit on  them for a little while. My problem is is that I. buy one and then it arrives and I unbox I'm like,  [ __ ] this looks really good. I'm going to keep. it and not sell it like I intended. That's that's  one of the issues that I have is like I buy it to. intend it to flip it and I'm like, damn, that's  really cool. I want to put on the display. I just. wish your dad bought one before you dropped  as a child. So, what is the balance now? Uh, yeah, cuz I think on that it's like maybe eight  on that. It it it goes up and down. It es and.

flows. Oh my goodness. $8,000. What's the minimum  monthly payment? I think it's like 1251 140, but. it wouldn't be lower. That doesn't make any sense.  It's probably like 200. The Yeah, the the interest. is like $100 on there. Oh, yeah. It takes 20 years  to pay off. He'll be dead. Yeah. 20 years. Yeah. Based on his health at least. They'll be around in  70 maybe. Well, just lose some weight. You'll be. around for a while. You got good jeans with your  dad. Just lose some weight. I got to do the same.

thing. I get it. He's been smoking for 50 years  and he's still a spring chick. I I freak some. people get those extra lucky things. And maybe  you'll get lucky with the obese thing as well. But. let's just put, you know, statistics on our side.  Like it's not great that I'm like this at 31, but. certainly can't be like it at 50. You just can't.  That type two diabetes sucks. Okay. Show me. Show. me the card. Bring it up. You got diabetes. Type  two. Yeah. It freaking You're having You're trying. to have kid. You have diabetes. Type two. Not type  one, but I mean it's the shittier one, but it's.

still still shitty. Yes. It's the one you can get  rid of. Do you want me to do a screen record? Why? Why? Why are you like saying type two? Like I I  know if it was type one, I wouldn't be criticizing. you. It is type two and you're trying to have a  kid. I think he's trying to say type one. Isn't. that something you can pass on to kids? Maybe. I  don't know. No, I mean type two type two can be. reversible from what I understand. Yes. And you  have it and you're trying to have a kid. Yeah.

Are we not understanding what I am saying  here? I am understanding what you're saying. Are you going to make it to 70? I mean, how many  insulin shots do you give yourself a day? Well, you don't you're not on insulin with type two.  Type one. Type one. Type one's insulin. Yep. Most people are. Yes. Type two. Oh, absolutely. I  just have some special medication for it to like. Okay. Okay. Yeah. Yeah. Join the screen record.  He takes medicine and controls his sugar intake. You're This is controlling your sugar intake.  Sugar-free. But yeah, sugar. So, it's it's.

fat then. You consume fat? Probably. I mean, I  probably mean I like I like a good steak every now. and again with the fat. Okay. Well, there you go.  I mean, I love steak, too. I get it. And shouldn't. be doing it. Shouldn't be doing it. Shouldn't  be doing it. Okay. I mean, we got $227 there, $214 there, $93 there, $228 there, $37 there,  $25 there. All this What's this Tenso? Oh, it's. um a service company where they I buy something  off of a auction site in Japan, and they're like.

the middleman that packages it up and sends  it from the seller to the shipping place. Oh, it's very Yeah, it's an expensive hobby. It's an  expensive hobby. Yeah. Maybe don't do it or cut. it back by 75%. Instead of a helmet a week, get  a helmet a month. Yeah. I mean, I buy, you know, three or four a month on average. Oh. Yep. And  that's not working. I look at Oh, but I look at.

it like like a nest egg. Like I'll give you an  example. I bought one from Japan like for 450. I. can sell it tomorrow. This is not an exaggeration.  For like 2 or 3 grand. And you probably going to. be like, "Do it. I have good news." Yes. Yeah. And  I I'm sitting on it. Well, then it's not a good. nesting if you're not willing to sell it. Tell  them about the one you just sold. Oh, yeah. What? Yeah. I just I just sold one for $500 and now the  the the buyer is not very happy with it and he's. wanting to back cuz I was Yeah, I was Yeah, I was  going to tell you like I made $1,000 on eBay this. month, but now it's only 500 because the guy's  not happy with So why do you only tell me the good.

thing and never the bad? Well, I mean it's it's a  bummer. I mean I I didn't see that. I didn't see. that. Good response. Why do you tell me the good  and never the bad? Oh, it's a bummer. Wonderful. You will never accept responsibility for anything.  I am capable of accepting responsibility. Oh, when. I when I think that I'm in the wrong. Okay. Not  being able to take care of a new kid, not being. able to take care of your current kid. She can't  move in with you cuz you don't have enough space. Your dad's taking care of your entire life. You've  drained hundreds of thousands of dollars from.

him essentially. And the only thing you've had to  brag about is that you sold something you already. owned, which yippy, yay. Proud of you. $50,000 for  retirement. Please tell me. My kids My kids can. rely on me. I mean, I I joke with Not financially.  I mean, I joke with them. I mean, sometimes I'm. the I'm the bank of dad, but I mean, when I bail  them out, I'm going into debt. Haven't you only. been bailed out endlessly in your 50 years? I  mean, what? That's the only reason you got I mean, I have had bailouts from my family in the  past. Like, you know, 2010 was like $5,000. Oh,

2017 maybe like three grand and then dad paying  them. I don't know about those. What? No. Are you. serious? I only know that. Oh my. So, you've been  bailed out like on average like every four years. and she didn't even know she's getting into this.  I mean, there's some context to that. I mean, you know what's the con? No, I don't even care.  I don't even care. All I know is you just build. it. Honestly, you just took out a 401k loan as  well. Yeah, that was and I bet to him that's.

progress. No, that was that was just me feeling  guilty and for the [ __ ] spending in 2025. Yeah, I mean I felt guilty about it and I got so we  borrow against our 401k which if we get laid. off with the AI becomes due like that which means  taxes and penalties because you have to sell in. order to get there and you're also not getting the  market gains which kind of sucks actually because. we're in a down market right now and we really  want to take advantage of those market gains as. much as we can but instead you're just like I'm  paying myself back with interest and it doesn't. even compete at all with market gains. Well  so that's your guilt. It's better it's better. than the withdrawal. I mean you have to punish  yourself. Yeah. Last September I mean I I just.

went off the rails on eBay and spent like four or  five grand. not many months ago. Yeah, I know. And. you're trying to tell me this entire conversation  that we've changed and only a few months ago, you just spent five grand on eBay. Yeah. Ah, yeah,  I know. I'll just go kill myself. What the [ __ ]. are we doing, guys? What are we getting at Walmart  when we go there? Cuz that's not usually like. grocery prices in that kind of range cuz it's not  spending that much. It's probably groceries and, you know, coloring books and Oh, coloring books.  Colors. Zoe likes to, you know, color and coloring.

books to relax. You get them at Walmart sometimes.  We do. I've gotten one or two books at Walmart. Usually it's on Amazon. I am judging you a little,  but I'm trying not to. You do what's fun. I like. the color. It's calming. It's relaxing. I like  the color by numbers. No, no, no. I'm trying to. I'm I'm I'm accepting it. Is it that PayPal at  Walmart? I guess that would be like Yeah. Well, I mean, sometimes I I do I do the PayPal at  Walmart just to Oh, Guadalajara. Everyone's.

favorite destination. Mexican Grill. You must see  that a lot. So good. Yeah. It's a great Mexican. restaurant. That's our favorite restaurant. Oh,  and it's so good for you guys. Clearly, I mean, Mexicans are like the fattest people on Earth.  So, I think it's the most obese country. Yeah, I think. Right. It might be. I I think so. But  they're pretty awesome. Well, yeah. But you keep. eating their food, you're going to look like the  most obese country. Yeah, we go there at least.

It tastes good for a reason. Yeah, we go there at  least once. At least once a week. Oh, that's good. That's our cutting back, ladies and gentlemen.  Every other week cuz Oh, shut the You can't No, I. don't even believe you. Subway. There's the We're  getting healthy. Subway. Eat fresh and go for the. same age gap as Jared. Dairy Queen. F1.com.  Yeah. Streaming service Waffle House. $60 a. Waffle. Waffle House is cheap. What do you have to  eat to consume 60 bucks a Waffle House? That must. have been when we went out with the kids. Yeah,  probably. Okay. Yeah, actually. Okay. But even.

still, this is money we don't have. Okay. This  is $4 from Walmart. That's not groceries. You get. your zerocalorie energy drinks, right? Yeah. Well,  there you go. Okay. No longer. You little friend, you are not going to interrupt my pitch. Thank  you. Are using Gamer Subs from now on. Gamer subs. Delicious. This right here is 40 cents a serving.  So, this is what the pack looks like with the. Gimmer Sups, but you guys can actually get free  samples using my link in the description below.

and typing in code Caleb. So, this is absolutely  delicious. It's caffeinated. It's an energy drink. It's wonderful. You shake it up. It's delicious.  You make it the strength you want. It's awesome. There's also the hydration versions if you don't  want caffeine. Check it out. 40 cents a serving. Make your energy drinks at home like you make  your coffee at home. Get your free samples to. figure out what flavor you like. Gamersubs.gg.  Link in the description below. Code Caleb. Okay, now you can interrupt me. Oh, I was just going to  say as far as I know, you don't really go anywhere. and like buy energy drinks. Not like just one off.  You get the packs. Yeah, I'm looking. Well, then.

who knows what we got there. But no, seriously,  do it. Any chance to save some money? Oh, you can. you can you can try it right now. Yeah. Can I get  a bottle of water? Oh, all right. She's thirsty, too. I've been made to ask for some water. Okay.  here. Yeah. Here, let me make you while I keep. going through this. Here, take a take a big swig  of this to give us some room. Uh, senior tequila.

That's what we need. Our health is already so  good. Guadalara Mexican again. Water burger. We. like Mexican. Okay. Copper penny. Copper penny.  Mallister's landing. Flea market. Waffle House. Again, it's the same places over and over again.  [ __ ] [ __ ] Sending money. 1,233 spending. Oh, that was I put a full scoop in there and just  start with that with a good That was that was a. mistake. Um Oh, that was a mistake. I commissioned  somebody to paint something for me and uh yeah,

it the the tariffs kicked my ass. I mean, oh you  the tariffs. I mean, just like don't do it. It was. like a $100 to ship it there. I had to pay. Also,  when the the tariffs were struck unconstitutional. well recently. They still you're still having to  pay for them right now. And the I spent $500. I'd. give it a I spent $500 in tariffs a couple of  days ago with some recent purchases from Japan. $500 in tariffs and shipping, but the majority  of it was tariffs. Okay. It's ridiculous. See, if it's strong enough, you might need to  do an extra scoop. It's up to you for what.

flavor you like. I also don't even know what  flavor that is. They have like a thousand. Yeah, probably another scoop. Scoop it  up. Let's go. Okay. Yeah. I commissioned. somebody to to pay in something for me and it  just All this while your dad is taking care. of your mortgage, mind you. Yeah, I'm  well aware of that. And that's that's. that's why I got the debt consolidation  loan. Oh, that's going to be strong. Okay, you did the whole thing. You're about to You  only did like half, right? Half thing is going to.

like Where' the lid go? Interesting like crazy.  At least no late payments. That's good. That's. why that paper clip way down there. All right. All  right. What are we talking about? the lid. Okay. So, what is this? Oh, savings plan. Oh, is this  your 401k loan? Yes. Sake. Okay. And you're ready. to return [ __ ] You're paying yourself back, but  you better not give. So, this goes against Okay.

What is this $50,000 retirement anyway? This is  like 37 38. And then you're borrowing against it. anyway. Okay. Um I checked it a couple days ago.  The market's gone up. the stock for my company. went up like uh well that's good but for the p  for the 10,000 you're borrowing against you're. now reaping that reward. I mean I'm probably gonna  regret asking this what should it be at my age. like my 401k like 200 300 grand 400 grand. What's  your annual income? Probably I mean before after. taxes before before probably like 83. Oh dude  I know. Shut up like this number. Did you try.

it? I know not yet. I've tried it before. We got  the sample pack was awesome. I'm Oh, a fan. See, did you want to try this? Yeah, sure. I mean,  I think at minimum, if I'm not mistaken, it's. supposed it's it's supposed to be somewhere around  like $581,000. Boy, for your income, probably. I'm. cooked. Yes. Change your behavior. You're not  doing that. Including what is this? Steeple.

steeple chase my apartment. Why do  you owe three Why do you owe $3,48? Um, for breaking the lease. For why? Starbucks is  [ __ ] and a waste of money. And you already know. that by making your coffee at home and investing  the rest. So now you need to do that with your. energy drink as well. Make gamer subs at home  for just 40 cents a serving. And honestly,

it literally tastes better. And we proved this  accidentally via a blind taste test in our. Hammer Elite show, Fat and Fatter. The number  one ranked energy drink is game. Literally, the cherry flavor is insane. Listen, you can also  get free samples to see if you like it or 10% off. your order at gamersubs.gg or click that link  in the description below. Type in code Caleb. I am so excited for you guys to finally get your  hands on what I've been working on for a year,

the brand new Dollarise budgeting app. And listen,  I get it. The first iteration was a disaster. Many. reasons from working with an external agency  to [ __ ] infrastructure that I could use, but let's be honest, that was on me. So, I put  my money where my mouth is. And after investing. millions of dollars and hiring dozens of people,  we've completely rebuilt Dollar. And it is truly. incredible. And to celebrate, I am giving you  some insane deals to sign up for the first time.

or trying it again after you used the shitty  version last year. But these deals only last. through March 31st and then they're gone forever.  Download now, take your free trial to test it out. and get the monthly plan at a 33% discount for 3  months. Or take the annual plan for an insane 50%. discount. And with the annual, you get my budget  friendly cookbook signed by me and my brand new. 30-day detailed budget meal plan signed by me as  well. Both of them mailed directly to you. But.

after March 31st, the cookbook is gone forever.  So this is literally your last chance to get. it. Don't miss this opportunity of a lifetime.  Download Dollarise and start your free trial. Go to dollarise.com or click those links below. Uh  so my lease was up in December. Um, and I started. looking at houses in August or September. And, um,  reasonable time to start looking. That's not bad. All right. Um, and we closed on the house November  1st when my lease was up December 1st. And the way.

I was explained, pay the last month. I know that's  what I'm saying. So, the way I was explained is, you know, the breaking the lease amount was  equal to one month's rent. So I was like, "Okay, so I could either pay November's rent or I  could pay the exact same amount for breaking the. lease." So I moved out November 1st thinking  I would just pay that month's rent. Is that. what they agreed upon in writing? That's the  way I understood the contract. What should.

your understanding? Who gives a about your  understanding? Did you ask them? They just. told me that the last Oh my goodness. rent  would be due. Okay. And then did you ask him? Did Did they Did they say yes or no? No, she did  not. Why would you just assume things? I mean, I thought they did tell me that. You thought they  did tell you that? Dude, this was a couple months.

ago. You thought they did tell you that? Well,  they just told me that they thought that that. last month would be that I would owe it. And  so I just thought it was that or that. And I. Why haven't you paid for $3,48? She doesn't  have it. Simple. She doesn't have it. Well, for one thing, I don't have it. But also, that's  not the full expenditure. They also are trying to. charge me like $600 in damages. Yeah. Did you take  pictures and everything before you left and before. you started? We didn't think about doing that.  We just You guys ever live somewhere? I mean,

it's been a while since the first time I've  ever lived in an apartment. That was I mean, we just cleaned it really good. We did like  a deep clean. There were like some pin holes. Before you move in, you take pictures and when  you move out, you take pictures. It's the first. apartment I'd ever lived in. Um, I've always known  I would never give you that advice. Like, listen, I mean, I don't even come from like good advice  and at least I knew that. I don't I don't have. any family. I don't have relatives. So, what's  your plan here? You just hoping it goes away. So, they were charging me all these damages and they  gave me a checklist of before I moved out. I gave.

them lots of notice that I was moving out. They  gave me a checklist. This is what we're going to. look at and this is what we're going to charge you  if there's damages. And then after I moved out, they sent me this invoice for like $600. Yeah,  don't get me wrong, they're shitty. That's why you. have to do the due diligence. Well, then I asked  I was like, "Well, can I get a breakdown? What. exactly are you charging me for?" And they sent me  the same list, but I compared it to the one they. gave me a month prior and everything had doubled.  Everything. Okay. Like if they were charging $30.

for this, I asked them I You don't have any proof.  You have nothing to do. So just pay it. Well, I mean firms. I have the one they gave me that  said this is how much the damages cost. You go. to a lawyer. I don't know yet. I'm dealing with  other legal. I mean, trust me, I'm on your side, but it's like I also don't want you to get even  more hurt by having this your credit. I know. And. and I have been considering going Okay, this  looks like a mortgage who owes $147,793.96. So, that is not much, Chase. That is the mortgage  with my ex-husband. Yes. Are you on this? Yes,

he is. with your ex. He will not remove me. Why?  How long have you guys been? Right now? Almost 2. years we've been divorced. Well, in court right  now. We're in court right now. And and so far. nothing. We He Who pays? He pays for it as as of  right now. Hopefully he doesn't miss anything. Yes. Um but yeah, it's been almost 2 years. He has  not done anything to get my name off of it. Well,

yeah. I mean, he kind of wants to [ __ ] you  over, which again, I'm on your side, but what. are things looking like? So, he was supposed  to go before a judge at the end of January to. tell him why he should not be held in contempt of  court for not doing his stuff. And because of that. big snow and ice that came through at the end of  January, it got delayed. They said, "We're going. to postpone it." And so far, there's been no date  set. But you guys want to buy this house anyway, I'm being told. So, for an investment property,  you guys think you're getting into landlording,

but you just got by one. You don't even know  what happens. So J yeah Jimmy has I mean Jimmy. 50,000 hours in retirement. Yeah. I was here how  you should be a landlord and get into that game. I mean I if it came to it I would you know I'd  be I'd be open for an investment property and. that would be you guys are going to get so so we  that's so much more expensive and less it's just. like what and how also how are you buying what  money are we buying this with? I mean believe. it or not my credit score is like 830 right  now. So leverage. Yeah. And you know, we we.

were just kind of toying with the idea that if he  can't get my name off the mortgage any other way, then I'll just buy out. Okay. Does he want you  to? No. Oh, he does not ex How is that our plan. if he's not going to sell? He would still want us  and need to want to sell. The court would force. him to sell the house if he can't get my name  off the mortgage any other way. Has the court. said that? Is that what we're trying to fight  for? That's what my lawyer has said would be the. end result if potentially if they win. If you win.  Yes. Yeah. If he if he won't assume the mortgage,

if he can't refinance it. Okay. Who has a Ford  Edge? Me. All right, Zoe. What's the interest on. your Ford Edge? 17%. [ __ ] sake. What the are  we doing here? I know. Yeah. You know. Well, I Then why are we still spending [ __ ] money  instead of paying this off if we know? That's. even worse than ignorance. So, I'd rather you be  ignorant. I'm not even going to say it. Huh? I'm. not even going to say it. Say it. We've talked  about it. Oh, and where have those conversations.

led to? Um, well, so I was actually going  to ask your opinion on some of it. Uh, good. Pay it off. Well, yeah. I don't have  the money. Well, you would have more money. if you didn't spend thousands on [ __ ] I  was looking I was looking at getting like. You don't spend anything. When we look at  your accounts, I'm going to see no spending. This is worth $8,000. It's worth $8,000. Okay.  So, we have a game plan because I've I've bought.

a couple of vehicles for my kids over the last,  you know, four or five years and I've financed. them through a local bank. The interest rate is  like 6 and a half, maybe 7%. If you know, you. give them the VIN, you talk up like the features  and everything, they like, "Oh, okay. you know, we'll give you like eight or nine grand loan  and then we're wanting to use that money and, you know, obviously if it was what the balance was  on the vehicle, pay it off and then have a lower. interest rate cuz it'll get it from 17 that she's  paying now down to 6 to 7. And I know it's 6 to 7. cuz that's what I've done with previous loans  with my credit score. Are they booing me? No,

they're saying boos. Okay. Well, you don't think  that's a good idea? Potentially. I mean, I feel. like what happens with what you just did with  your personal loan, you let your foot off the gas. because you thought you made progress. And this  is going to be another example of it. Technically, mathematically, sure. But I feel like this is  going to prevent us from pushing hard and we're. going to continue our [ __ ] spending. What is  this? $40,000 $40,682.13 interest rate of only 4%.

That is the solar panels on my ex-husband's house.  And again, he hasn't taken my name off of it and. it isn't solar panels is I I don't even know if Do  you have the legal fight on this one? I don't even. know. Yeah, it's in our It's in our divorce decree  that he's supposed to remove my name from it. Oh, if it's in the decree then. There you go. Okay.  Yeah, he's supposed to remove my name from the. um from $227.88 on a monthly basis. But let me  mark these as an X because he is paying those.

pretty airtight. Interest rates not bad though.  Okay. Another mortgage is Are we Is this finally. yours? That's my mortgage on my house. What  are you doing? You have Okay. That's my new. Yeah. Um I've had lots of houses in the last  few years. That's great when we can't afford. our bills. Okay. $178 and $328.96 with  a minimum monthly payment of $1,36056.

Okay. Yeah. I mean, it's below 6%, minimum payment  is chunky for your income. It's already half. I. don't know how the Well, yeah, they'll overqualify  you like crazy, but this is insane. Yes. Um, well, if your mortgage while we're So, the mortgage  rate, so of course they throw on the um the. extra taxes and the It doesn't matter. You agree  to this minimum monthly payment or right around. it and it's 50% of your income. This is horrible.  This is a horrible decision as a mother. Right.

What I was going to say is before they threw  on the the home insurance. What do you mean? You would know the minimum of the payment. They  projected to you. Also, this is not your first. house. I'm saying you do not get to play. I'm  such a ditzy little. You're same as what I was. paying at the apartment is what I was getting at  before they threw on the home insurance. You know, your home insurance is you [ __ ] This is your  second house. And what my lender told me my home.

insurance rate was going to be was half of what  it actually ended. Still, okay, hold up. Okay. Estro and everything. That's taxes and insurance.  And the insurance of that is probably like $150. So half was 75. So it went from 75 to 150. That  extra $75 did not make or break the fact that. this is 50% of your income. So don't [ __ ] me.  These are the [ __ ] champions. I have never been. [ __ ] more than these two people. Oh my. You have  barely any equity child support 7%. You haven't.

thrown that into the Well, you didn't tell me that  with your income, so why would I? Well, you didn't. ask. You asked where my income was. And then you  could have But I also get child support. That's. what everyone else does in the history of the show  that you watch. So, what's your child support? They always throw it in later. What's your child  support? I think I know my own show. What is your. child support? It's $198 every two weeks. Wow.  That really makes this mortgage affordable. 198 every two. Wow. Millionaire status.  Logan. Okay. That was also about the.

cheapest house I could get in my town. That's  not necessarily a good thing. I know. Also, you don't need to own. Like, why do you  feel like you had to? Yo, 216 625. No, that was the original. Uh, where is it now? Um,  should be like 190 something. Okay. 190 19362.

and he's making all payments currently. Yes.  So ridiculous. Look, when he when he came to. live to America, he's like, "I'm going  to make your life better." And I'm like, "Well, you know what? I'm going to make my life  better." Me. What a sugar daddy. I know. Well, what a cope. Just like make your own life better  while he's paying for this. You're just not. So, I don't understand. Okay. With $1,816 on a monthly  basis. Yeah. And you do have equity in this house. and he's paying for it about 140 I'd say in  equity. Okay. Best Buy. Who owes $600 on Best.

Buy interest free currently? That's me. Bought a  a dryer. New dryer. The other one almost caught. fire. What do you mean it almost caught fire?  Yeah. Three years to pay off. No interest until. a long story about how a dryer almost caught fire.  So, my washing machine wasn't spin drying clothes. properly and wet towels would go in the dryer and  lint buildup and yada yada yada fire. You take the. lint out. Well, yeah, but it was like collecting  at the back where you couldn't really get to it.

Okay. Deferred interest is acrewing. It needs to  be paid off. 2027 5 2027. Okay. Who has Capital. One Quicksilver? That's me. Okay. This one's paid  off every month. So, I'm not going to freak out. about this one. But there is still spending. And  the spending is spending regardless. says spending. could be going to other things. $280, $48 and1  173 to Walmart. That could have been one one of. the times that I, you know, bought the groceries  that month. And this one's paid off every month,

too, so I'm not freaking out about it. But Saver  Card, it's still spending, though. Amazon. Amazon. Zach's fees. Amazon. That's uh your daughter's.  Yeah. Okay. Yeah. Yeah. So, uh I got a credit. card for my youngest daughter to help build up a  credit score, and I charge it up every month and. then pay off. Well, I mean, I talked to her, of  course, and you know, she's like, "Yes, but you, the guy that What happens when your dad all of a  sudden again isn't making a payment? You're going. to your kid." She's 21 and she's got a 744 credit  score. That's not That's not too shabby. For now,

you were on this until you it look what you've  done your entire life. It's a cycle of unfuck, right? I mean, I never really thought of it like  that, but you've no technically I have that card. in case of emergencies. Yeah. Oh, she's current.  Oh, great. It's already getting messy. What are. we doing, guys? You're going to destroy your so  stupid. I'll let you use the mine card. It's a. debit card that builds credit. Used to be called  the fizz card. It's the mine card now. And I'll. also get you a course career certification  so you can use it. Get into a career path. like many people in the audience have with  course careers and improve your income system.

situation dramatically. Okay. This card's also  paid off an entity online. Is that the rice car. stuff? Okay. Who has a balance of $217 in this  checking account of which I can't even see the. name of what bank it is. No, this is a balance  due. What is this? Someone tell me what this is. Oh, this is my lawyer stuff. Okay, you owe  210. Uh, no. I'm owe like 1,100 actually. Now,

do you have a minimum monthly payment? As of yet?  No. Um, they send me an invoice every month, but I. already told them or asked them if I could wait  until after the court stuff because if what are. you going to get a sum of money? Well, if we win,  then he has to pay all of the legal fees. Okay. His and mine. Um, but of course, if I lose, I have  to pay all of mine and his. There's a lot writing. on this. I'm going to assume this one's you. Yep,  that's me. Okay. And yes, the balance has gone up.

That's good. But it rotates like crazy, so I'm  not going to count it for much. Put $100 PayPal, Best Buy, Amazon, PayPal, Z PayPal, Zel. Where's  Where are all the Z's going? Probably maybe to Zoe. and my kids. Sometimes I bail them out. Thousand  hours in this. Who's this? Who's that's mine? Okay. The person who doesn't spend money. Family  Dollar. Stopping in getting [ __ ] Donuts. Amazon. Amazon. Ring. Basic plan. Uh, [ __ ] [ __ ] [ __ ]  Zel Audible. Go to the library. Roblox. Roblox for.

the kid. I get it. You can't afford it. And stop.  He's getting pedophile. No. He gave me his birth. He got like holiday cash. And so I spended  it electronically and he gives me the cash. for it. Zach, Amazon, Zel, KFC, [ __ ] Maybe my  perfect resume. Okay. Uh, [ __ ] And maybe okay. at Walmart. Walmart. And then your retirement's  at $123. Killing it. And almost 40. It's also.

absolutely horrible. Yeah, Walmart's Guys, this  is like I again I think this is endless cop saying. the right things. I don't necessarily believe  that things are going to change after this, but I will make a budget and I hope you guys are  able to communicate and I hope that a kid isn't. born in this world and that's sad to say. But the  401k stuff is also part of the legal issue. Um, the whole time we were married, my ex didn't  want me putting money into my retirement. because he just put money into his retirement  and he would be there to What would you get.

me? What would you get? Um, because he took  out a 401k loan to buy this house um that my. name is still on. It would only be about 7 or  8,000. Well, at least you can put that towards. retirement or pay off some debt. Okay. Mortgage  $1,816.40. You do pay for that on your own. No. 1360 I pay. Yeah.$ 1360. Yes. Yeah.  Loans on top of that $1,756.85.

The ones that you guys take care of. City card  being the big one. Chunky one for sure. Plus. your car. Uh, okay. Both of you separate, but  gas, electric, internet, utilities all together, please. For each of you. Mine is 350 for for  electric. Oh, just electric. Uh gas is well uh. in the summer it's like 40 in the winter it's like  200 so you know. Okay I'll put it 100 I don't know. maybe 250 alltogether for me. What about internet?  Uh I got to stip in. So mine is about 100 out of.

pocket 30. What the xf in my Yeah. Yeah. Okay.  So utilities 850. Okay. Phone bills 280. Well, Zoe pays me 80 a month and my bill is like  284 with employee discount. So, but it's. 284 for Okay. 284. I would switch to Helium  if T-Mobile is good in your area. 15 bucks a. line. Very good. Same service. Vroom vroom. Drive  gasoline. How much? Well, gas just went up. So,

I think I do about $45 every 10 days. So, um, n  so 120 130 and so 145 and I'm about 90 a month. Yeah. Okay. Car insuranceances. Mine's like $500.  Mine's 190. I've got like six vehicles on it, though. Mhm. Okay. Sell them. Be an adult. $690.  TP fund. Anything else for you and your kids to.

survive? It's difficult in your guys' situation,  but I think 350 should be good. Food. Okay. One. lives at home still. Two lives at home. Sh. Okay.  Well, he doesn't pay for his daughter's stuff. She. buys her own things. The one who lives at home,  not even groceries. She She gets her own groceries. and like do not touch them. Okay. Okay. Then you  should be able to do I only spend 13. $900. Yeah. You go out to eat like none other subscriptions.  We'll try to do meant for me. $75 pet. Do we have.

any pets? I have a cat and got two dogs. Age is  health. Uh, one's 15, one's five. 5-year-old will. do pet insurance. My cat's about five. Okay.  $100 for pet insurance. Have food. How much? 60 for me. I'm just doing math. Um, I'd  say like 50 a month for food and litter. 100 bucks. Anything else that needs to be in  this budget that I have not put in yet? I mean,

with your cars and phones and stuff, are you  putting in that your daughters give you money? Oh, yeah. But we'll put that into the income.  How much? That's negligible. I mean, well, how much? Uh, one gives me, shoot, one gives  me 82 87 and the other gives me like 400. So, Oh, that's negligible. Well, one is not really.

Okay. Well, has to forgive and the 80 I give you  for the 6,700. Well, that doesn't matter. Part. is my ex too. So, oh, 6,71. And then how much  comes in from them again? Oh, for the kids. No, from his kids. Yeah. $487. So, what? 487. Okay.  So, $6,883. And without that, because it is not. negligible, you guys would have been without it  actually underwater. But you have an extra $18159.

You need to get a better job. We need to  cut spending. I've been trying, guys. Well, this is the reality of the situation. You will  break even for a while. I would try to consolidate. by selling a house, moving in together, get this  thing, get the show on the road. That cuts our. expenses dramatically. Um, but what when you're,  again, like I said, the moment your dad takes over. your mortgage, this is gone. You have an extra 181  on basic necessities. 1,800 then, right? I'm gonna. be negative 1,800. Yes. Yeah. See, yeah. This is  where like everything has to change. Yeah. Yes.

Everything has to change. That's what I'm saying.  Uh it's going to take years to pay off the debt. obviously like this. But this just can't be how  it is. You guys need to actually consolidate. Try. to get bills under one thing so that we can bring  payments down. Get rid of your cars. Cut this car. insurance thing. That's going to save a lot of  money, too. Um meal plan, meal budgeting. Yep. Not going out to eat. With that, you can actually  bring this probably up to an extra $500 a month. and we can actually make progress and pay off  debt in a few years and get to a fully funded.

emergency fund, which is critical. In retirement,  we just we're going to have to really be pushing. like 40% towards retirement on a monthly basis  after we have a fully funed emergency fund, including you cuz you're dramatically behind. Oh,  what? No, I was just going to ask your opinion on, you know, I just got my income tax refund, um,  which isn't a huge amount. Well, that's what I was. going to ask. Should I put it towards retirement  or should I put it towards the car? Debt. Yeah, debt. debt. All right, guys. There's something we  haven't been able to talk about. He he wanted to.

only talk about it in the post show. It's crazy.  We're gonna talk about it in the post show. Yeah. Get ready. Join Hammer to see that, but let's  get the Hammer financial score first. Spending. in a budget, overspent, 0 out of 10. This is for  the household debt. Well, apartment collection, 0 out of 10. Emergency fund. Technically, it's  not in collections yet, I should say. Nothing's in. collections. Okay. Uh, it's got for your income,  it's basically as bad as it gets. One out of 10. Emergency fund, two well, no h. Yeah, two out of  10. Retirement, very behind, three out of 10. Real.

estate, you have an equities position. Yours is  weird. And then complications with X, it's going. to bring it down a little bit, but I'll give you  a 6 out of 10 there. So, Hammer Financial Score, round it up, 2.5 out of 10. See you in the post  show. Join Hammerly. Get your hammer financial. score. Caleb.com. Click the join button now. join  us for the post show. What could you not say in. the main show? Every now and again, um I would  like, you know, cuz I've got his account linked.

up to uh linked up to uh one of my bills. So, I  would like just like You're taking money from him. without him knowing. It's maybe like a month.  Oh, well, he's paying your mortgage. I know. You're taking money from him without him knowing.  Literally pulling from his account. What the This. is the final day. Don't forget to download the  new Dollarise budgeting app. This is officially. now the best budgeting app on the market, and  I'm giving you a special deal to download, but only through March 31st. Take a free 3-day  trial to test it out. And then you get the monthly. plan at a 33% discount for the first 3 months,  or the annual plan at an insane 50% discount.

And with the annual, you get my budget friendly  cookbook and my brand new 30-day detailed budget. meal plan signed by me and mailed directly to  you. Now, after March 31st, the cookbook is. going away forever. So, this is literally your  last chance. Don't miss the opportunity of a. lifetime. Download Dollarise and start your free  trial. Go to dollar.com or click the link below.