The Craziest Reveal In Financial Audit History

He fell asleep on FaceTime with another. girl. Had it screenshotted on his phone. while we were together. So I take care. of him. >> I I don't get it. >> Out of obligation. Like we have a child. together. Yeah. That's literally the the. only reason. >> He had an AI girlfriend. Great. Okay. >> It was Haley. She was a blonde. A curvy. little blonde. >> Did you care? >> Yeah. But it wasn't like a oh my god, you're cheating on me. It was a oh my. god, you're a loser. Like I'm. embarrassed. What the. >> He also said this episode this is going. to be his last straw by the way. >> I don't know why it would be his last. straw. So there's the FaceTime are you.

counting that? >> Yeah, the FaceTime the the military AI. and then the and then the other one. >> So what's the other one? >> It was the guy. is finally here sending waves through. the personal finance world. This is. officially now the best budgeting app on. the market and I'm giving you a special. deal to download. Get a free 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. discount. And most people sign up for. the annual version cuz it saves a lot of. money and you get my detailed 30-day.

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Go to caleb.com/apply or click that link. in the description below. >> Hi, I'm Remy. I'm 25 years old. >> Hi, I'm Jacob. I'm 26 years old. We are. from Pittsburgh, Pennsylvania. >> And this is Financial Audit. I'm here to get the truth because all he. does is lie to me. That's what was at. the top of the application to come on. the show. I'm guessing he is you cuz. you're the guy. Um that's interesting. I'm very curious to learn more. But. first, Remy. >> Yes. >> Well, thanks for coming down, guys. What.

do you do for a living in Pittsburgh, Pennsylvania? Beautiful city. >> Cashier, waitress, and then on the side, I clean people's houses. >> Okay. Are you making money? It's hard to. say. Uh are you I mean what what are you. getting paid? What's your hours? What's. happening? >> Um so when I waitress I make 283 plus. tips. When I cashier I make 13 an hour. >> Um and then I uh clean a house I make an. extra $100 a month. >> Rust Belt Cities, Midwest, Megalopouloolis, not usually the most. expensive areas in the country.

Pittsburgh, I don't have the full data. off the top of my head. I feel like that. being half of the income, you could. actually do halfway decently. What are. you making normally a month net? >> Roughly $800. So like my paycheck from from. >> what the. >> I only work three days a week. I'm. part-time. We have a 2-year-old. So I. watch her and she's in daycare part. time. >> What is the cost difference between. daycare and you going and just working?

>> Uh daycare is $600 a month for 3 days a. week. >> Okay. And what would it be for five? Uh. about $1,000 a month. >> Okay. You would net more. >> probably. >> based on your income. No, not probably. I mean for 3 days you're making eight. You're making eight spending six. You're. netting. It's not great. If you work. five and have him watch for five, you. would net and we'd probably be an extra. 100red or 200 up. >> By the way, just.

>> your career is a joke. 25. Like this is. this is nothing. We're not we're not. going to survive off of this. You're. right. But that's why I'm choose to. bring a kid. Okay, good. What What are. you studying? >> Engineering. >> Okay. What kind? I mean, that's good. >> Environmental. Well, right now it's just. broad um associate and then from there. I'm going to go. >> associate. We're still an associate. This is going to take forever. I mean, if you're working and taking care of the. kid, how much how much how many credit. hours are you taking? >> Uh 12. So, it's like that full time. So,

okay. How long it take you to have a. degree of which you might be able to. make money from that degree. So, I'm. going on my second year this year. Um, it'll probably take three years. >> Bro, his mom's paying for the daycare. >> right now. Yeah, cuz we had to catch up. >> But don't tell me that. I mean, yes, it. is expensive. But why are you making it. sound like it's all on you? His mom's. paying for the daycare. >> at the moment. >> You lied all the time. You lied by a. mission. >> I have to pay her back. So, like I. >> It's a debt. It's an accumulating debt. >> as of right now. So, I I wasn't working. >> What do you mean as of right now? What.

does the as of right now mean in this. context? So, I have to I have to catch. up what I owe her and then take over. paying daycare because. >> catch up what you owe her in what way? For her paying previous daycare or. something different? >> Yeah. So, I there was a 3-month period. where I wasn't working cuz I between. school and taking care of our child. Um. >> Why weren't you working? >> I was working. So, I And why weren't you. working? >> Cuz we needed somebody to cover a child. So, >> how many hours a week were you working? >> 40. Why weren't you working when you got. home? Um, >> you know, this is during that time I was. during that time I was I was so I there.

was a. >> You said you weren't working. >> Well, during the 3-month period. >> Yeah. Why weren't you working? >> Um, I was focusing on school. That was. like my main we we had discussed it. We. had. >> But you were going into debt in the. family. So, at that point, >> I didn't know at that time we were going. into debt. >> to the in to to your family. >> all Yeah. All together. >> What do you mean? He was doing it. secretly behind your back. >> Yeah. Like I didn't know how much money. was. >> so great. $600. Is that what you said? You make $800? >> $800 a month. >> A month. Okay.

It's not a household. What do you do? What do you possibly do? >> I'm a diesel mechanic. Make $24 an hour. >> Okay. There's something. There's a. start. 40 hours a week. What do you net? >> My net is 3,200. >> Okay. We can pay bills on that in. Cincinnati. >> I also have a second job that I'm. >> really only recent. >> Yeah. only recent for what he's doing. >> I made him go get it. I applied for him. >> Okay. Why are you freaking out about the. only reason?

>> Because the the I had found out about. >> It's been a month and a half that I've. been working at this new job. >> I had found out about an extra. >> thousands and thousands of dollars of. debt that I wasn't talked to about. I. was like, "Okay, we'll get into that. I. need your income situation. What's the. second job?". >> So, I'm a dishwasher/cook. >> Okay. What do you make with that? 15. >> Uh 12. >> Yeah. >> Okay. What extra comes in a month? >> Uh, >> expected since it's so recent. >> Okay, good. I mean, listen, 4,200.

or 5,000. 5,000 net. Very good. Yeah, you have disability, right? >> Mhm. >> You're in the military. >> I was. >> Are you the first person in the history. of the show in the military to not get. disability? >> Well, you were kicked out of the. military. >> Yeah. >> How do you get kicked out? You had to do. something. Why'd you get kicked out of. the military first? What What were you. serving? What was your service? Do I say. thank you for the service? Did they get. kicked out? What's the rule? >> I mean, >> I wouldn't. >> You can just say whatever you want. I. >> Well, I usually do. What were you doing? >> I was in the army. >> Sure. Doing what?

>> Diesel mechanic. Anyone sheriff? >> Did you do blow up a car? >> Oh, I wish. I mean, honestly, that would. be more fun. >> Why were you kicked out? >> I was accused of doing something that I. didn't actually do. >> And what were you accused of? >> Uh, apparently having nudes and having a. sex video on my phone. >> Nudes? >> From another person. He was cheating on. me while I was pregnant. >> What is this showing? I swear I This. wasn't even.

>> I scanned the notes and I didn't even. see that. >> So, originally um I had found out when. he when he told me that. >> this was two years ago cuz you're kids, too. So, sorry. Go ahead. >> No, you're good. when he when he told me. he was getting kicked out, he told me it. was because they had caught him watching. a racist Tik Tok. Um, and I know like. >> think of anything that was racist that's. black. >> I know. He was trying to stereotype. He. was just like, "Oh, Kool-Aid and. watermelon and fried chicken and.

>> Yes, being racist is fun." I know. >> So, um, I was like, "I know you don't. get kicked out of the military for just. watching a TikTok. They'll article 15. you. They'll take your paycheck, but. they're not going to kick you out of the. military. >> Okay. >> Um, so like in the back of my mind, I. can't figure it out. I can't I have no. clue. I'm not going to go into his first. sergeant, and his first sergeant is. going to tell me. >> Okay. >> So, I just believed that it was a racist. video until. >> Stop your vocal, fry. Talk like a normal. person. >> until 2 months after. Um, >> okay. She's not. >> How do I. >> talk like a normal?

>> The Am I not talking normal? >> Is that her normal? She's a vocal fryer. >> Continue. Well, um I two months after we. had our daughter, he was on FaceTime. with his friend who was deployed into. Poland and his friend was they were. talking about why he got kicked out of. the military and he was like, "Oh, cuz. some dumb and turned all of the volume. down and his face got beat red and he. stopped talking and left the room. and then wouldn't tell me or elaborate.".

>> His name is Jacob. Can we stop this? Like, you know how many bleeps we're. having to do right now? Woman, please. Jacob, >> I already told I was like, "Give me a. hand." Like, "Give me a piece of paper. and a pen. I can write it out on the. desk.". >> What happened there in that moment? >> He got caught. He got exposed. >> Yeah, I got exposed. But. >> buddy, you can't say you didn't cheat. If you're lying about the reason you got. caugh uh kicked out anyway, why would. you in any way? Why would you believe. Why' you lie about the reason you got. kicked out? >> Cuz he's ashamed. >> What? He's He's like actually still. confused by that. You didn't have an.

answer for that prepared? >> Um, no. Not really. No. >> What? You haven't thought about the. reason you lied in 2 years. >> I mean, I didn't really have to lie. about it. I mean, I could have came out. and said it, but. >> you did lie. We're trying to figure out. the why. >> Yeah. It was just easier to come up with. something other than that. >> cuz why not just going det. >> That's closer to the reality. >> I mean, that's close, but. >> what did you You had images of another.

person that was serving. Supposedly, I. had pictures. >> I'm sure they were going around the. base. >> No, I'm sorry, but the MPs did a full. investigation. No, they didn't. >> Yes, they did. They They did a full. investigation and kicked you out. They're not going to do a full. investigation, deem you worthy of being. kicked out. If they did a full. investigation, they would have asked for. my phone. And then I would have told. them, "Here, here's my phone. Here's my. shit.". >> Well, because she probably gave enough. evidence to show, hey, yeah, he has. these. >> No, they would still would have asked. They still would have asked for my. phone. But I can't even trust that they.

didn't. >> Okay, so sex. >> for having noods on your phone or. something. >> Sex videos apparently. >> Yeah, they're going to ask. >> videos involving you. >> No, her and her sergeant. Her and her. sergeant. >> Yeah. >> Good. What is happening over there? Like. I mean I get it. >> You get lonely apparently. I don't know. >> No, I mean I get it. >> I mean we were in we were in California. obviously which is gross cuz there's no. showers, there's no nothing. So you're. just it's you're in a clam shell. basically smelling like fish. >> Huh?

>> He was he he's trying to say that he was. on a like a train I was in and so I was. at NTC which is the national training. center in California. >> They advised you to get a lawyer though. and you didn't even do that. >> Well they asked me to get a lawyer and I. said no cuz I asked the girl I said hey. am I am I going to if I get a lawyer am. I going to be able to you know turn it. over and win and she goes probably not. So then. >> probably not but maybe find out. So. that's. >> dishonorably discharged. >> No, general with honorable conditions. >> What?

>> I was told other than honorable. >> No, I got a general with honorable. conditions. >> Why are you saying cheat? >> Um, so like for this instance? >> For this instance? >> Yeah, for this instance. >> Sure. Let's go with this instance and I. guess we'll learn about more instances. So, um. I personally don't think having nudes or. pictures or situations um involving. other people that you're not disclosing. um as loyal. Like had he been like, "Hey, yeah, this girl sent me this. I.

just want to let you know." Like that. would have been different. But like you. you hid this stuff behind my back, got. kicked out of the military, and then a. year later someone else in the base. >> That's cheating to me. >> Which also just like I don't I mean, I. assume military bases, high school, small colleges. I mean, that shiting. happens more and more these days. Like, it just happens. Just own it. Like, people are treating it around. It's not. a good thing, but like you were young, everyone was stupid. Just own it. Move. on. >> Right. But, I mean, >> you're not ready to own it. Like, I.

don't understand the point. You know, >> he never owns anything. No, it's just he. just. >> What What is the point to not own it? I. would own it. Like, I don't care. I I. own my mistakes in the past. >> I was over it and then it was just like, "Okay, I'm out." And then I'm with my. kid and I start working like. >> But you had multiple witnesses against. you. >> Yeah. Multiple. >> against you? >> Yes. >> Why would there be multiple witnesses. against you? >> Because they didn't like. >> What's this grand plot? >> They didn't like me. >> Why? >> Um one, I had to go and work on their.

vehicle more times than none. And then I. told them to off basically cuz I was. tired of working on them. >> You want to do his job? >> Um I was the only one doing my job cuz. my sergeant wanted to be in the truck. and just sleep and be on his phone all. day and just basically off and not. worry about his soldier being out with. no I was going out of sleep for 36. hours. >> Okay, so we're we're completely aligned. that he totally like at least had.

pictures at some point, maybe deleted. them and checked off to the video a. couple. Yeah, something. >> Who cares? I mean, it's No, it's not. good, but it's in the past. You can just. apologize and move on. Or. >> at least you're doing it now. That's the. first time I've heard of it. I didn't. find out that it it was it was nudes and. some girl until just now. That was the. first time I've ever. >> really. >> Yeah. >> Why do you do this? >> Why? I don't understand how. This is 2. years ago. She knew that there was. something more. >> I've been I've been trying to get that. information. He was like, "It's nothing. It's not It's literally nothing. That's.

That's the answer.". >> Why are you with him then? I couldn't be. with someone like that. It's I don't I'm. codependent. >> Yeah, be codependent with someone who'll. tell you. Why hide that from her? >> I don't know. Cuz I just thought it was. dumb and it was like it's over with. >> It is. But why not just own it and move. on, dude? I again like. >> Cuz that's what I was doing. I was just. trying to move on. It was just like. leave it in the past. >> But own it. Own the mistake. You learn. from it. You. >> made the mistake of being kicked out of. the military. >> No, but you didn't own the mistake of. your act. Like your your mistake, your. action. It wasn't a mistake you got. kicked out of the military. You got.

kicked out of the military cuz you were. >> right. Not wrong. But. >> so you said this instance. What's. another instance? >> He was he fell asleep on FaceTime with. another girl. Had it screenshotted on. his phone while we were together. I. don't even know her name. He still. hasn't even told me who she was. >> What? Wait. And you're still with him? >> Yeah. >> That's insane. I'm sorry. That's bad. to say. He's the bad person in that. context. Especially not telling you. But. I'm.

>> for staying. >> I know. I just I. >> the two ladies in here like that's. insane, right? Like why the would you. stay? You're choosing to stay at that. point. So what what happened when when. >> um So that was probably 6 months into. our relationship. >> Oh my. >> Like prior to me even getting pregnant. So I had an out and I still didn't take. it. >> So what happened there? >> Nothing. Just. >> Who are you facetiming? >> I don't know. It was from somebody from. um.

who you were in someone from Costco. >> No, Alaska. >> Okay. How did you meet her then? >> Snapchat. They just write they added me. on a um like people you may know or. whatever. >> Uh-huh. >> Yeah. >> Who asked who for a call? >> She called me. She just went in and. called video. >> How did she get your number? Because it. was definitely on FaceTime. It was a. FaceTime screenshot. >> Okay. So, somehow she got your number. you called. What were what were the. expectations of the phone call? >> There was no there was no expectations.

>> Okay. Then what did you guys talk about? >> We just talked about like life and then. >> for a long time cuz you fell asleep. >> Me falling asleep was because I was on a. 24-hour bender of no sleep. >> Bender. >> Yeah. So I had. >> what? >> I had um. >> he was working. >> Oh, working's good. Okay, I got that. >> They had 24-hour duty. >> Uh and you saw this and then what? Uh, I. confronted him, but like at that time I. was like kind of homeless, so I was I. was just like whatever.

>> She was deeply homeless because of. >> deeply homeless. Yeah. >> Her husband kicked her out of the out of. the house. Oh, you you had a husband. while you were with him while he was. cheating on you while. >> we were already in the process of. divorce before I ever met. >> Look at you. 26 with a baby and already. one divorce. >> One divorce. >> One divorce in. You guys are married. now? >> No. >> No. No. Hard no. >> Hard no. >> Hard no. Go on. >> I Why would I tie myself to somebody who. can't even. >> I did. Yeah, that's automatically tied. to him. But why would I like financially.

and for the rest of. you have finances? >> I'm not assuming his debts. >> Okay. I don't know. You guys might have some. common law marriage as well by the way, but. >> in seven years in Pennsylvania cuz we. live in a commonwealth. >> Oh jeez. Okay. So. why are you with him today then? Why not. go work on yours. >> your whole future relationship? >> It feels more like. out of obligation. Like we have a child.

together. Yeah. That's literally the the. only reason. >> How does this make you feel hearing. this? >> He's heard this before. >> I mean, you're chill with it. Like you. don't give a. >> I wake up, go to work, come home, go to. my other job, come home. >> You don't get to use that as an excuse. >> I'm not using. the past month. Still, even then, even. then I would go to I would wake up, go. to work. >> and then you were home by 3 p.m., >> right? >> And still did nothing. >> No, I stayed with the kid while you did. other things because you were like, "Hey, I had the child for all day.". Pushing off the child to you.

>> It wasn't push off the child to you. It's, "Hey, I need to get some stuff. done while you sit here and play video. games.". >> Call me and be like, "I'm overexerted. I. can't be touched. I'm touched out.". Like, you need to get here. >> Yeah, that's that is very true. do and. and. >> but there was also a list of things that. needed done and you're a dad like you. can be a parent too, >> right? And I never said I didn't have to. be. I'm just saying that like I came. home. >> and needed and and. >> I just wanted like 30 minutes of my time. just to relax from work and then I could.

be like I'll go in and be a dad. >> But it was an unfair is it? He was. working on a line assembly. Like you. >> Yeah. But it's okay to win, come home, have 30 minutes of like relaxation, and. then get back into like maybe not 30, but he'd have like 15 minutes, go. upstairs, get changed, breathe, maybe. shower, and then come back downstairs. >> That's a I mean, >> but she's in bed by 7:00. Like we have. we have a late. Yeah. Supposed to be. later. >> But he's getting home at 3:00. >> Yeah. So there's. >> Okay. There's a lot of time if he has 30.

minutes to relax. >> Yeah. And then. >> So what's the like Yeah. Maybe a step up. more, but I think 30 minutes of. relaxation when he gets home is not the. end of the world. >> No, it's not the end of the world. Like, I never I never crashed out because he. wanted 30 minutes. I crashed out. >> Well, why is why why is this the topic. then? She says she doesn't care if you have 30. minutes to yourself. I mean I mean. granted I mean she's with you know her. all day. >> Yeah. >> And so like I get that she gets. overwhelmed and everything.

>> No, of course. No, no. I'm not I'm not. opposed to you wanting to break or her. wanting to help. >> Well, why? She just said she doesn't. care if you take 30 minutes. >> I mean, >> is that even true, though? >> I mean, the reality is in the pre-in she. was calling you a lazy piece of. multiple times. >> Oh, >> yeah. >> Why? >> I I am lazy. >> Cuz you don't do it. He's I mean, >> he doesn't do anything unless I like nag. him to do it. So, we have we have an. agreement. >> I don't take I don't take things like. into initiative. Like if I see.

something, I just like leave it and. until I have to grab it until I don't. get it. >> I don't know. I makes no sense. >> Yeah, I know. Um we like. >> Why are you with her? >> She'll mother. she'll mother you and the baby. >> Yeah, >> because I treat him like his mom. >> Did we have this kid intentionally? >> No. I love her. Like I would never I. would never give him back. But no, definitely didn't plan this child. >> Wasn't planned at all. >> Do you guys sleep in the same bed? >> Yes. Uh, for a little while we didn't,

but yeah, we are back in the same bed. >> Do you want something to work? I'm so. confused. You guys sound like you're. both like done with it, but we're just. there out of. >> We've honestly like I mean like. >> there was there was tensions between. >> Yeah. tensions cuz I just read you. cheated on him. >> Yeah. Yeah, I did. >> Did go back and forth. >> I did do that once. No, it wasn't back. and forth. It was once and I came clean. to you within a month. >> Within a month? >> Yes. >> What happened? >> Um, >> what is this show? just cheating. >> I had a friend on on uh Snapchat and he.

would for the past years would just. randomly swipe up on my stories. Um my. birthday last year, he had swiped up on. my my story and then we just started. talking and then um about a month into. us just friendly talking, he invited me. to like go out to dinner with him and I. was like, "I just want to let you know. like I have a kid and a boyfriend." And. he was like, "Oh, that's fine." Like, "I. don't really care." And then it from.

there it got like spicy and I started. sending him nudes. >> No. What do you mean? No. No. You jumped. a lot of steps. >> Like we would just start. >> He invited you to dinner and then. >> I never went to dinner with him. >> Oh. >> Um he So he lives in New York. >> So how did he get you to send flaps? >> Uh I didn't send flaps. >> Just titties. Okay. But how did he get. you to do that? >> He. We just grew a rapport by like flirting. with each other. Um, and then. at one point he I mean like I didn't he.

I I had already been sending him nudes, but then he had sent me money to like. get new tires for my car and get my. haircut um because he didn't want me. driving my car around with a kid in it. with bald tires. >> Crazy. >> Um, and prior to him sending me the. money, like I got uh like my conscious. was eating me alive, so I came to I was. like, "Hey, I just want to let you. know.". >> Hold on. Didn't his sister find out. before him, though? >> Yes. Yeah. His sister and his mom both. knew part. >> and didn't his and what did his sister. say? >> Uh you go girl. Get it. Like leave his.

loser ass. >> Leave him. >> Yes. Yeah. >> Hey, keep cheating. >> Yeah. >> What the is this entire What is wrong. with you guys? >> I'm going to be real with you. Your debt. is not the same as everyone else's. You've got your own unique mix of credit. cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are. different. Your payments are different. Your life is different. So, why do you. need some one-sizefits-all solution that. treats you like a number? Some generic. calculator that spits out, just pay. more. As if you hadn't thought of that. already. That's what sets PDS apart.

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DollarWise. Built by these people just. like you, for people just like you. No. private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start the free trial. link in the description below. >> So, we were at his dad's for Halloween. and his sister called me and she goes, "Girl, you've cuz I don't usually use. Snapchat a whole lot." She's like, "Girl, you've been on Snapchat a lot. Like, are you seeing somebody else?" And. I was like, "Yeah, I definitely am." Um, his name's. >> This is crazy.

>> Uh, and she goes, "Go get it. Like, I. don't care. He's a loser. I I completely. understand you're doing what you're. doing." his mom then reached out to his. sister and was like, "Hey, just so you. know, uh I like I just want to know is. is cheating on or is. >> Yeah. just cheating on on Jacob. Um and. she was just like, "Yeah, yeah, she is.". And she was like, "Only unhappy people. cheat. There's I get it. Only unhappy. people cheat. >> What the is this enablement? This.

is crazy. I mean, I agree. Maybe you. should leave him, but cheating is still. just leave. Don't cheat. Leave." Well, that's my conscious started open. So, I. I went to him and I was I laid it all on. the table. I was like, "This is how I. feel." Um, things need to change. obviously, like I'm unhappy. And the. next morning, he had downloaded like six. dating apps. So, he told where his head. was at as well. >> Meanwhile, I get home from work and. she's. having phone sex on FaceTime. >> I did do that with uh the guy from New.

York. >> So, after you admitted to cheating? >> Yeah. And you didn't say stop. >> At this point, we're no longer together. >> Like, >> oh yeah, you guys broke up officially in. that moment. >> Like, we still lived together, but like. at that point, we were no longer. mess. >> Okay. So, you just started having people. over and. >> Oh, no. I. >> No, no, it was just all on phone. >> Yeah, it was all phone. I. >> No, all on her phone. >> No. Did you? >> No. >> You guys broke up. I mean. >> Oh, no. He couldn't pull girls. >> No. >> Really? >> Yeah. >> It's not difficult. >> I mean,

>> for him it was. Shouldn't be. >> being the wacky weirdo. Yeah, >> you're the wacky weird No, you're just a. loser. I. >> mean, yeah, but. >> I haven't seen any wackiness yet. I've. just You're lazy. Where's your wacky? Wacky is fun. Lazy. >> Wacky weirdo. I mean, I'm just a weirdo. >> Is he a wacky weirdo? >> No, he's not. That was the weirdest. description of him. He's just a loser. >> No, I'm weird. Like, I don't know. >> No, he's just a liar and a loser. >> I mean, I'm inclined to rather I mean, I'd rather not use dating apps. I'll. just go to like somewhere where it's. open.

>> Do that. Okay. How long were you guys? He had an. AI girlfriend. Great. Okay. >> Did you really? >> He did. Her name was Haley. She was a. blonde. A curvy little blonde. >> When did you have an AI girlfriend? You. pathetic. >> March. >> When? >> March. >> Yeah. This year. This March. >> Were you guys together at that moment? >> Uh, yeah. We. >> Did you care? Uh yeah, but it wasn't. like a oh my god, you're cheating on me.

It was a oh my god, you're a loser. Like. I'm embarrassed. What the Like I'm not. completely ugly. >> You sure about that? You sure about that? >> And this is what you're choosing is some. AI girl. What the are you guys? What the. are you guys? >> Okay, so last year you cheated. You guys. broke up. How long are you guys living. together but still together? Wait, total. or since? >> How long did you guys stay separate? >> Uh, so we split beginning of December or.

like late November. Yeah. 2025. >> When did you guys get back together? >> Late January 2025. Mid January 2025. >> And since then, any cheating besides AI. girlfriends? >> Not that I know of. >> Would you admit it now based on your. history? >> I would admit. Yeah. >> No, you wouldn't. No, you wouldn't. >> No, you wouldn't. Based on your history, there's no way you didn't send nudes. around the base. >> No. No. Is there a reason would can you. get dishonorably discharged post? >> Like if you told us now, could you face. consequences? >> I don't think so.

>> Why are you not on disability? >> Cuz I haven't gone to the VA. >> Cuz he's lazy. >> Wow. Too lazy to even do that. That's so. easy. >> It is. >> Say that you're having like dick issues. and you get I mean I have feet issues. >> Oh my god. His feet are disgusting. If. you were to show them on camera, you. have to. >> because of the military. Yes. >> You want to see my feet? Yeah. >> It's disgusting if you show it on. camera. >> You're going to have to censor it. it. Um, if I whip it on the table, you're. going to need disinfectant on the table. So, >> you go on that side. The next guest can. deal with it. >> Um, I mean, I can go around here and I.

can show you. >> No, I need this to see it. Whip it to. see it. >> Oh, god. >> Don't touch me with it. >> It's actually disgusting. I've been. telling it. >> It's the same on the OTHER FOOT, TOO. >> HOW? >> THEY LOOK THE EXACT SAME. >> HOW DID THE military cause that? Uh, >> no, no, no. He didn't take care of his. own feet when on a ruck march. So, while. he was in the military, he can blame it. on the military. >> On one march,

>> he's just not. >> No, no, no. It was like So, when I was. in like just in general just going. around and wearing the same boots. um in California, we there was no. showers, there was no nothing. You. couldn't like you were basically just. >> Yeah, but does everyone else have those. feet? I mean, exactly. >> So, no one's been on the dating app. since January. >> No, >> I mean like I still have Hinge, but I. haven't been on. >> All mine's deleted. >> I haven't deleted it. No, I still have.

it. You. >> guys are creatures. This is becoming. cheating audit. Like, I swear this is. like What are we doing here? >> Hinge. Just search Hinge. >> What's Shifty? Uh, >> our work app. That's how I like get my schedule. Oh, I got to log in. Well, for what it's worth, she's logged. out. So, how many cheats did we do in. total? I'm sorry. You cheated on a guy. with him with a guy? >> Yeah. Yeah, that was it. That's all I've.

done. >> Four, I would say. >> You guys haven't been that long. together. So, wait, what are the four? >> Um Oh, >> what are the four? So, there's the. FaceTime. Are you counting that? >> Yeah, the FaceTime, the the military, the AI, and then the and then the other. one. >> So, what's the other one? Is. >> it the guy? He's gay. >> He's a little queer. I always suspected he was a little gay. Um, and then when he realized he. couldn't pull girls, he started pulling.

guys because I don't like butt stuff cuz. I think it's gross and it stinks and I. feel like I need to shower. >> even though I'll flip her over and eat a. rest. >> That's disgust. You're. disgusting. >> When did you get with a man? >> I never really got with a man. It was. just more sending dudes than anything. and FaceTime calls, >> but I never. >> um. >> So you were jerking off with dudes over. FaceTime? >> Yeah. >> Okay. >> Oh, it was like. >> um November. No,

>> it started November. It went into March. >> of of of last year. >> So yeah, when we split, he went. >> Well, it went into March. He said you. got back together in January. I asked if. there's any January. It was the. beginning of January. Wait, how do you. feel that he's, you know, >> I've always suspected it. His sister. thinks he's. >> No, I'm not like. >> How frequently do you guys have sex? >> Like maybe once a month. >> if. >> if Well, he's gross. Like, and I'm like, that's not me like trying to dig on him, but like he's a mechanic. He doesn't. shower. His hands are disgusting. I. don't want him touching me. I have pH.

balanced parts that he doesn't need to. be touching. >> And I have to get her in the mood. >> Okay. So, who. Okay, believe the name. Does he go by in. your snap? >> Who's. >> uh So, that was one of the guys I. matched with on Hinge prior to I haven't. if you if you look. >> on Snapchat, it's right there. >> I haven't opened them. If you look at. it, I haven't opened them. >> in four weeks. >> Swipe over. There's more than just four. weeks. You can open them. Like, you can.

open the messages. >> Who's Marcus? >> Uh that was one of my best friends. husbands when we lived in Tennessee. >> Who's Iceman from 2 hours ago? Uh, so. that's somebody I messed with prior to. meeting. >> Why'd you message him two hours ago? >> Oh, we talk all the time. We never. stopped. >> Do you care? >> What the? >> This is insane. >> I just know cuz I know the whole story. and the whole scheme. I mean, he lives. on the other side of. >> Wait, what the what the. >> It was videos of his dog. It was videos. of his dog. Saw them this morning.

>> Yeah, Jacob. Now, why is he sending Jim. pictures of himself? >> Because he's a little hoe. >> A couple days ago, >> he's I'm me. I bully him and he likes. me. >> She bullies him. Flirtatious. It is. >> You don't consider the cheating. >> And again, he is a man that is jacking. off with other men and that doesn't. >> I I. >> don't I don't care if anyone's gay or. by. But like, does that concern you as. the woman who is with him? >> Um, just because I think you're a little. like I think you're a little closeted. and maybe you should own that and move. down a path that you want to do and not.

waste my time. >> Oh my god. Wait, hold on. Whoa. You guys. have been This is just in the last few. hours. Yeah, >> you guys have been chatting constantly. Oh, I think he knows that you're on the. show right now cuz he just responded lol. to the screen recording happening. >> probably. >> Dude, he is very active. He is into you. >> This is the FOUR WEEKS AGO SNAP. >> That's I listen. >> It's a That's why I stopped talking. >> I CLICKED THE BUTTON. IT SAID JACKET OFF. which you like. Oh, this is what he.

looks like. He's a little freak. >> He's He's a little weird. That's why. >> you got him. I never got with him. anymore. >> That's why I never got with him cuz he. wasing weird. He was a weirdo. That's. why all of his messages were left. unread. >> Well, I apologize video editor who's. getting this snap. You just saw a big. dick. That was like a normal dick. But. either way, you don't give a. >> He doesn't care. He doesn't care about. anything. Like I could literally sleep. with another man in our bed and he'd be. like, "Okay, as long as like.

>> Well, that might change. But. >> Huh? >> That might change. >> What? Bringing another man to the house. >> You'd like it? >> No. >> Okay, >> that might change what you carrying but. bringing another man. >> So that would be too far. >> Yeah. >> Even though you would like to have sex. with him. >> No, >> he's a bottom. >> No, I'm not on top. >> Do you know? >> Yeah. >> You've done it. >> I've always No, I've always been top. >> No, that's a lie. That's a lie. He's. entirely lying right now. >> Tell me. I cuz when he was talking to.

the guy that uh he was talking to, he. had mentioned that he is the bottom and. likes to be the bottom. So they're going. to be conflicting, >> Jacob. >> So you couldn't be with a bottom cuz you. would both be bottoms. You want a. bottom? >> Hey, someone got to do it. Don't be ashamed. >> Don't be ashamed. Who cares? Be the. bottom. Take the dick. Take the dick. >> There's no problem with liking what you.

like. Like I am not. >> I wouldn't necessarily be trying to uh. continue a relationship with a mother. and my child. >> if you want to just go take some dick. Are you guys open? >> Uh at this point, no. But it's. >> This is so confusing, guys. How are you. doing things? Okay, let's um. scent. >> Okay, she's snapping with apparently. Honestly, I don't even know who is. >> Well, you're snapping with him.

Uh, continuously. Let's see what. sent. Okay. >> I do know him. I know him from high. school. >> Why are you talking with a guy from high. school? >> Uh, so I had. I had kicked out of the house, but I had. left myself cuz I knew he wasn't going. to leave. >> Um, and he had messaged me, so we just. started. >> What did you send? Oh, he had messaged me like a hi. So, I. was like, >> "You sent a picture though.". >> Did I? >> Yes. >> Oh, I don't remember if I'm being.

completely honest. >> JJ Rab, >> most So, most of these people I. hinge and then I just stop. >> This is a couple weeks. These are all a. few weeks ago. >> I Well, yeah. I'll like open their. messages and then I never respond. Most. of them. >> No, the the the the the. received as in you sent them pictures. Oh, >> but you don't give a So, it doesn't even. matter. So, there's no reason for me to. even care, right?

>> I mean, >> so I guess you would care if he cheated. on you, but. >> uh to a point like it's at the it's it's. >> What do I do with this? You just don't. give a. >> It's at the It's happened so much. >> Leave for the kid. >> that. >> uh I don't like I don't feel emotion. from it anymore. I'm just not surprised. anymore. >> Okay. So, when you guys have sex, he has. to make a move on you. >> Yes. >> You have no sexual interest in him. >> Barely any. Yeah. At all. >> Leave.

>> Yeah. >> Leave each other. Go get the dick of. your dreams. >> And go get the dick of your dreams. >> Uh. >> I don't understand. I don't You guys are. together for the kid, but is it is it. even good for the kid? >> I No, I don't think it is at all. >> No. So, what what are we doing? Is it a. budgetary issue? >> I mean, at this point, It's nothing. >> I think it's. >> And you could live on your own. I mean, I could. >> No, he with with the things he has to. pay off. No, he couldn't. >> Yeah, but he could go bankrupt and. figure it out. It's not the end of the. world. >> I mean, I'd still I mean, I could still.

figure it out. >> The only reason he is floating right now. is because his mom helps pick up all of. his bills because he lives with his. child. That's the only reason she's. willing to help. >> Yeah, but again, if we can get rid of. his debt, he could live on his own. You. couldn't. I mean, both of you told me. >> That's why she also put an application. in for um housing. >> Mhm. >> Oh, you have? You're ready? Yeah. I'm. approved for public housing. >> So, you're done. >> I'm This is my last ditch resort of if. he can't get his together and stop. hiding.

>> But you're not attracted to him. >> It's not that I'm not attracted to him. He's taking care of himself. >> No, you said you weren't. >> I. >> sexually like sexually. >> That's a part of It's a big part of a. relationship. >> It is. I just think he. >> it's not the make or break for. everything, but it's like if there's so. many things going on and if you're just. straight up not into him, like I don't. care that your guys' sex life is low, but if one is just straight up not into. the other person, then what are we. doing? >> I don't think like I'm not just not into. him. I just think he's a gross. >> you said. What else does that mean then?

>> That he just like he needs to shower and. take care of himself. >> I think he's into you anyway because I. mean when when we're in the behind the. scenes conversation, we know what he's. into. was just checking off the. transport thing. >> Yeah, you're right. I know. Um. >> I don't think you're into each other. >> I And that's like that's what makes me. think like are you are you gay or do you. just like something in your ass? Because. he's looking at women who have dicks. So. like do you just want something in your. ass or are you actually gay? >> Wow. Jacob,

>> I mean it can go either way, but it's. just more of a like a switch. I don't. know. >> You're a verse. >> I'm verse king. >> Like you get like bored of something and. then you want to like you want something. else. >> Uh okay. Why not incorporate that into. the bedroom? >> Talk to me. I didn't know for a reason. >> I do have Yeah, I have stuff. He just. chooses not to like. >> get toys. Put them in. >> I literally asked her to. >> Oh, no. No. Yeah. I won't I won't touch. that. He can do it to himself. >> No, no, no, no, no, no, no. Have.

>> I think that's gross. I think it's. gross. I don't want any part of that. It's literally a king. >> It's sex. So play that. >> If you love him. >> I also asked her if we could do like. have like on the background so that she. keeps her head like in the game. >> and she says yeah. >> I just think it's I don't know. I think. that's weird. >> Yeah. >> I personally think that's weird. >> Just like I don't know. I don't know. Okay. Okay. But if you do leave and again you.

make no money here. I'm being told you. have another man on standby. Yeah. Um, >> and he found this out in March. >> Um, so, and. >> there's a letter. Let me see the letter. What's the letter? >> Oh. >> Oh, it's an actual thing that's here. >> Yeah. >> Oh my goodness. Okay. Let's see. >> So, this is from our coworker cuz I got. him a job at. >> our So, the dishwasher job he got, um, I. got him that job. >> And you probably don't give a about this. letter, do you? >> I mean, I do cuz it's just more of like.

>> my coworker wrote that. Caleb, don't. open till audit. So, have you guys not. seen this? >> I have no clue. I have a general idea. cuz I know her. >> Okay, this is interesting. For Caleb, don't open till. >> I mean, it's her little parrot. >> It's She's not my little parrot. >> No, she literally says everything that. she will say words to her and then. she'll come back at me and say them and. it's the same exact words, just a little. different. >> No, she just has very strong opinions. about. >> Jacob. Jacob.

>> Holy. >> Strap in, folks. Get the cozy fire going. and everything. It's story time. My name is and I am. her. Well, actually, I guess you knew. the fake name. Remy and Jacob's coworker. and Chad's. Chad, is that the other guy? No, that would have been that was going. to be your fick name. >> I am Remy and Jacob's coworker.

>> I would like to start by saying one. thing. >> Ew. This man, if that's what you want to. call him, is the most disgusting, worthless waste of skin I've ever met. Thankfully, I've only had a few. encounters with him, but that was enough. for me to see who he really is. Jacob works night, so I don't have to. work with him too much. To be honest, I.

don't know that. To be honest, I don't. know what that what to be honest. I. don't know that what he does can be. considered work. He just stands around. staring at me. >> He does check her out. Yeah. No. Yes, he. does. Yes, he does. >> He wants her to stick it in his ass. There is not a single thought behind his. beady little eyes. He just watches. The. way he watches is the way a wolf watches. its prey. I've caught him multiple.

times, but unlike a normal person, he. doesn't look away. He doubles down. He looks into my eyes. One day, he came in as a customer and he. sat at the front and watched my every. move for over an hour. Best part is I. got fed up and folded and told him to. stop because he was creeping me out and. he tried to lie and say he wasn't even. looking at me. Yuck. I was so upset I.

had a breakdown in the back until he. left. Remy also told me she had caught. him checking me out right in front of. her eyes, which isn't surprising since. he admitted to her face that he found me. attractive. And he had. feelings for me. He's well over 5 years. older than me, by the way. I'm 21, 26. I don't like the Why is she.

like a weird victim? >> Yeah, I don't know. girl. You had me. until you acted like a weird Tik Tok. Reddit. Like 5 years older than me and were. CONSULTING ADULTS. OH MY GOD. I just got. like what? Shut the. I tried just being a to him and thought. that would make him leave me alone. Instead, I found out he's into that. What kind of man gets off being told. treated that way? For what it's worth,

some people enjoy brat play. >> Yeah, >> not me, but some people do. Okay, obviously I stopped doing that and I. stopped giving him attention of any. kind. He hates it. I know how badly he. wants attention from me and it's gross. Truly boy behavior. But that's. Chad for you. you a creepy, lying, worthless, deadbeat dad who gets off.

being degraded by a younger coworker who. hates his gut guts. No one gives a. about this younger thing. I know your. frontal lobe is not fully developed, so. you're then don't have a job. But. besides that, you're right. with all the hate for Chad, Remy and. Chad's coworker. P.S. Chad is always late and makes Remy. act as his mother and tell our managers. that he'll be late. He can do absolutely. nothing for himself. Very embarrassing.

if you ask me. Remy, on the other hand, has never let me down. I love her with. my whole heart. Xoxo. which I only asked her that one time cuz. I was busy. And. >> why are you staring at her while. admitting that you're attracted to her. to her? >> She says that I have feelings for her. But. >> No, you admitted it to me when we were. on our break and you were just like, "Oh, yeah. I think I think is cute.". >> Show me a picture.

>> I better not say anything because I'm uh. all 10 years older at that point. I'm. basically a. >> We're not friends on Facebook. Just look. up a name on Instagram or something. >> Oh, I probably could have found her. >> Uh, >> what? >> That does not like it doesn't look like. her. >> Her doesn't look like her. >> No, honestly, those photos don't look. what look like what she usually looks. like on a daily bas. And uh.

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these platforms accountable for the harm. they caused. Click the link in my bio to. take a short quiz. You may be entitled. to a potential recovery of over $1,000. But okay, but if they have extra. chromosones, you don't care as long as. they got a dumpy. >> She looks I mean I'm sorry. She looks. like don't blur it, but like I'm showing. the room. >> She's She looks.

Yeah. Okay. Uh, okay. I don't know why we're. fighting over her. At least this looks. like a human, not an alien. Okay, whatever. But like, listen, I started this. conversation with like he lies to me and. like it's the the financial lying is. what I thought we were going to go into. I didn't know there was all this. cheating Um, but I was going to ask you how you guys. manage the finances in the household. And I guess I should know. And.

what does he lie about finance-wise? But. I think as clear as day, we've. established, guys, just literally don't. don't be together. We're halfway through. the episode and we already know for a. fact, don't be together. Like, we know this, right? >> Yeah. He also said this episode is going to be. his last straw, by the way, in his own. separate interview. >> Oh, good for him. That's I I don't know. why it would be his last straw. >> Yeah, why would it be? It sounds like. literally she takes care I mean, you pay.

for the bills. I will say that. >> I mean, that's kind of like what like. why I'm still here is for the bills. >> Yeah, but Yeah, right. It's the only. reason you keep them around, right? >> Um at this point, yeah. What the? So, am. I just creating a separation plan by the. end of this? Like, what are we doing? How How do you the finances work in this. house right now? >> So, right now, I pay our electric bill. and then like our subscriptions. He pays. all of our bills. >> So, everything's separate 100%.

>> Yeah. For the most part. And that's how. we like it and probably should certainly. keep it. >> No. So, if we were to stay together, I. would prefer everything coming out of. our joint account. >> Have you not heard this conversation so. far? that's even a consideration for. you. >> I Well, >> a man that literally li half the he. has said in this episode, you learn for. the first time in this episode. >> The issue the issue is is because I. can't see when he makes large purchases. or when he does something behind my. back. I don't have access to his bank. account. So, I don't like when he went. out and bought a gun behind my back. I.

didn't know until I found a receipt. >> Do I trust you with a gun? >> You shouldn't. He leaves them like 3 in. above the ground for my toddler to grab. >> Unlock. >> Give me a hell yeah. You know, many kids killed themselves. because of that, right? >> It's unloaded. She can't it back. >> No, that's there was. there were bullets in the magazine and. you left it 3 in above the ground. Like. I have a picture of it. >> Like that is a very freaking story. I'm. a gun owner. I like guns. I'm not.

anti-guns. >> No. >> But I am anti- bad gun safety. >> A gun a gun safe. like he has a box for. it. >> and actively chooses not to use it. >> Well, I also leave it in my car like. it in his car for anybody to break into. his car and and take. >> Well, not exactly, but I normally take. it out of my car when I leave my car. >> This kid's going to die. >> Mhm. >> Like actually has like a halfway decent. chance. >> And you hid the purchase from her, so. she didn't even know this was happening.

You just had to wait until you found it. when your kid was touching. >> Basically, that's exactly how it happened. That's. how 90% of all of his purchases happen. is I just find it find either find it or. get a random statement in the mail that. I'm like, "What the what is this?". >> And how much did it cost? >> Uh 7 700. >> M. That's pretty juicy. >> It was definitely 700. >> That's pretty juicy. >> No. >> Oh, you drive around without car. insurance, too.

>> Yeah. Yeah. He. >> Oh, the kid doesn't even have insurance. The kid doesn't have insurance. >> Yeah. So he. >> What are we do? Guys, this is honestly. one of the biggest messes and disasters. I think I've ever seen. >> Like it's actually crazy. >> So he chose to purchase uh a large. amount of tools instead of getting her. insurance. So instead of putting the. $400 a month into his company insurance. to cover our child care, he decided. >> because this is what I've been thinking.

about for months. >> Insurance? >> Yes. our insurance. Is that not how you say insurance? >> Is that not how you say insurance? >> How do you say it? >> Insurance. >> Thank you. Said it right. >> I don't know. Um he he chose to spend. the money that we should have budgeted. budgeted for our insurance to to insure. insurance. to uh. >> insure and then end. >> tools instead of making sure our kid who.

was having seizures had insurance. >> She still had she still has insurance at. that time. >> She had insurance. She had she was on. state now. state insurance be because he. we got kicked off of state uh. >> I started making I started making more. money and you only get up to that. >> we would have $4,000. stayed on state assistance had he put. her on insurance because they they. factor they factor the um the amount.

that you spend on like your bills and. and insurance to to your income and had. he he paid for the insurance she we. would have still qualified ified. So, we. lost our child care payment. We lost our. Well, that was also another reason why I. wasn't because we weren't paying for. childare. Um, the state was paying for. childare. We lost our insurance. And. then we um What else did Oh, our food. stamps. Guys, what a what are you guys? >> Aliens.

>> Had he paid the insurance, we would. still have our child care child care. covered. We would still have our. >> Meanwhile, I was still waiting for my 90. days and then that's when it like. insurance got cut. But he chose to buy. $600 a month worth of tools instead of. >> Oh my. >> Wait, the debt. You have tool debt. >> Oh my. You're not one of the I haven't. had those in forever. >> Oh my goodness. I thought we just. stopped doing I thought we moved on as a. society. You're easy to sell to. >> Mhm. >> Mhm. >> Yeah. >> Check the hat.

>> You have a Snap-On hat. >> Snap-on hat. Snap-on socks. Snap on. Snap-on socks. Snap- on hat. >> Why do you not. >> jacket? I have a vest. >> which he hid at work. I didn't know he. had all of that. >> Jacob, would you be with her if you. didn't have the kid? >> Am I on his opinion? >> Like I mean, yes. >> Why? >> I mean, it's cuz she mothers you. It's. easy.

>> I'm still I mean, I'mract still. attracted to her. Still love her. And. >> would you be with him without the kid? >> No. I mean, like it's the codependency. is the only reason. And I also like I. think it's a lot of I feel guilty. because all of his family lives out of. state and he moved to my home state. >> Yeah. Who gives a if you guys aren't. he he's the one that can go get an. apartment like. >> Yeah, >> this is insane, guys. I really don't. understand. Okay, so the state of the relationship is.

>> complicated. Yeah, we're working like. we're. >> like we want to try to work it out and. everything and. >> I think you do. >> I think I like I would like to see. >> it's like an 8020. >> Um but I have very family. This is a. just weird mess of. >> insanity. >> Well, I mean it like in all honesty, she. talks to my family more than anything. >> Yeah, his mom set up a trip to come with. codependency. I mean, that's what she. said. It makes sense. It fits into her. why she won't leave, which is honestly.

pathetic. The thing is, buddy, why don't. you want a better life for yourself? I'm so confused. You don't want a better. life for yourself in any way whatsoever. >> Man, it's less stress. I wake up, go to. work, >> actually more stressful, though, if you. don't get a better life. >> That's. >> No, cuz he leaves all the stress to me. Like, he doesn't stress about it at all. I do 100% of the stressing for our. relationship. >> See, I don't pay attention to where. money goes. I just go $20. >> because mommy's there as well. >> Mhm. >> To bail you out. M.

>> What do you guys think your household. financial score is today? Zero out of. 10. Zero being the worst, 10 being the. best. >> Zero. >> Yeah, between a zero and one. >> Well, get yours for free at. kaleammer.com. Your hammer financial. score and improved so you can see where. you stand in different categories. So, if you've taken it before, take it. again. See how you've improved, see how. it works, what you need to do to. improve. It's free and it just takes a. few minutes. And if you don't want to be. like a guest who ends up on the show, make sure to download the Dollarise. budgeting app, the one we made. specifically for you guys, for the. average everyday American.

Check it out, get your free trial, see. if you like it. And most people do, and. they take the annual version because it. saves almost 50% and you get the. physical version of my 30-day meal plan. signed by me, mailed directly to you, and the digital version of the cookbook. as well. So, check those out, guys. Check those out. Okay, so his mom, I mean, we talked. about the money. I thought she was. gifting you money. Why do I see his mom. $8,000? Cuz I cuz that's the money that. she paid for into my motorcycle when.

you have a car and a motorcycle. >> I have a truck, a car, and a motorcycle. >> Get rid of two. >> Get rid of two. >> So the issue with getting rid of any of. Listen, I'm all for it. I made him list. his car because we couldn't afford. bills. Um which is our only reliable. vehicle for him. Um his truck isn't. worth anything. He owes more on the. truck than what it's worth to sell. And. the motorcycle, if he sells it, he owes. all the money to his mom because if he. sells it, she claim I'd make nothing off. of it. >> Good though. You owe her the money. Pay.

her off. >> You're not a moral person. >> That doesn't pay off the bike, >> right? >> He's saying that that's because of the. bike. And I That's not because of the. bike. She blatantly said that you don't. owe her because of bike stuff. You owe. her for more if you do sell the bike. So. it's more like 12,000 if you end up. selling the bike. That's just her picking up your phone. bill and paying your your negative. account. >> That's not your motorcycle.

>> Yeah. >> Nothing. >> Nothing. >> Get rid of it then. >> Which one? >> Motorcycle truck. Really? >> I mean, >> and yeah, you're going to have to pay a. little extra. Why the not? What's the reasoning, dude? Just because it all goes back to your. mom, not in your own pocket. So because. of that, >> it's just more of the fact that like I. have like it's. >> Jacob's a car guy. >> Yeah. >> Yeah, that's fine. Do it at work. Do it. at work. I don't give a Be.

attached to your kid. Take care of your. kid. >> Try to be attached to her. Win her back. Stop being a loser. Pathetic failure. This is metal. This is gears. It is not. as important as the human flesh that you. created. Why are you prioritizing it over them? That's pathetic. >> I mean, dude, go to a glory hole, suck a. dick, take a dick up the ass, then. you'll be fine. You'll be reset. You'll. be good. Then sell this. That's your. other passion. Get on Grinder. Go take a.

dick. >> My car is more my passion. >> Really? Than that? >> I don't know. He is like set on the fact. that his car is the fastest stock turbo. car. It's not really star. >> He knows. >> Mhm. >> What is it then? >> It's a Volkswagen Jetta. >> You don't know what a Volkswagen Jet is? >> No. >> Um. >> why would I? What What's so good about. it? >> It's loud. It's fast. Um. >> Well, loud's annoying.

>> No, it's not. >> He's He purposely welded a cherry bomb. under it to make it even louder. >> Yeah. So, you're literally just like you. annoy everyone else just for your own. benefit. You're the selfish person on. the road. Nobody respects you. Nobody. likes you. To be clear, nobody turns. their head at you other than in disgust. while you drive. >> Actually, I've had multiple people like. go, "Nice car, dude.". >> It's only cuz you're $1,600 rims. >> You're annoying to everyone on the road. Nobody respects what you do when you. pull up. How fast is it? What is it? 0.

to 60. >> 0 to 60 is. >> slower than Tesla. >> It's 3 seconds. But. >> I know that. I mean, >> it is. >> Yeah. Yours are You have all power. Yours is an electric motor. It's all. power. It's all torque. Now, >> it's fun. It's a toy. >> Yeah. >> I get to actually have fun. >> To a certain extent. >> Oh, I'm sorry. It doesn't go. >> Yeah. Exactly. >> I don't need it to go. I just want it to. go. >> No, I like the sound my car makes when. >> Yeah. You like the sound. I like the.

feeling in my body when it goes quicker. >> Yeah. Or. >> Yeah. Is that when you just eat and play. video games or scroll through? >> I do that on the way back. >> Yes, my car drives for me. It's modern. technology. >> I think it's slightly crazy that you. have travel anxiety in a jet, but you're. willing to like. >> I don't have traveling anxiety in a jet. for safety, though. >> But you're willing to eat your food and. not pay. >> that. Then how have you not heard my. actual reasoning? >> I just I think it's crazy that you're. willing to not pay attention to the. road, but you're too scared to get on a.

plane. >> So, you haven't actually listened to my. reason. Also, I mean that's exposure, right? If like I self-driving, I was. like about like the first 80 times. If I. was on a jet every day of my life, I. wouldn't be afraid of a jet. >> But you won't get in a jet. You at least. got in the You're not. listening to what I say. >> So, I got on a jet 6 months ago. >> And you cried. >> I did cry. But again, if I was doing it. every day, but if I was doing it every. day, it would be different. >> Even then, if it's like your first time, I mean, like me going on a plane for my.

first time, I was like, "Okay, cool. It's just like a roller coaster. >> Yeah, but you don't care about anything. >> No. >> Well, exactly. >> Like still. >> I I honestly with how with how you've. turned out, I would still rather turn. out like me. >> and struggle with that. >> cuz I at least care about things. >> No, cuz I can just go through life. without having to worry about. >> Yeah, but your life's a failure and it's. impacting others. >> But I'm still getting by. >> No, you're not getting by. You're having. everybody else pick up the slack and. when they when I when I leave you, your. mom's going to pull the rug and no. longer help you cuz she's only Yeah.

She's only helping out of obligation cuz. lives with him. >> Okay. >> The baby. >> The kid. Insane name by the way. Bleeped. Well, who the names kid that? >> It's a town in Wyoming. >> That's the worst name of a baby I've. ever heard in my life. >> Yeah. So is Queen or Princess or. Rainbow. >> Those are stripper names. Why are we. doing those? >> Yeah. Yeah. Why? There's people doing. at least it's unique. >> At least that's biblical. It's like one. that exists. That was That's not even a. name. That's. >> I beg to differ.

>> He's going to be the first one in a. school shooting. >> She But. I beg to differ. >> What? That's a woman's name? >> Yes. >> Say it again. We're bleeping it. >> Uh, it's like diarrhea on the mouth. >> What the Tesla? >> Oh, that's fine. You don't have to drive. it. No one's forcing you to get that. >> I'm not saying I'm not annoying to. everyone in existence when I'm driving. because it's not going Like like what. the it's only pleasurable to you. Everyone else is annoyed. Like people.

are having conversations then you come. by and you just disrupt everything. >> I can't tell you how many times like can. you please stop revving like quiet down. because you're pissing off the. neighbors. >> Yeah. You're obnoxious. You're actually. only serving you. At least in my Tesla. when I do self-driving, it's actually. more safe for everyone else around me. >> I don't know. Still, >> why do you still wouldn't. >> The reason I care about your car is cuz. you're annoying everyone. If you just. had your car cuz you liked it and you. didn't annoy everyone, I wouldn't give a.

>> Why do you care about what car I drive. when I'm not annoying other people? >> He hates electric vehicles. >> I hate electric vehicles. >> Why? It's like hating a refrigerator. when you have an ice box. >> I mean, I'd rather have a ice box than a. refrigerator. >> What? >> Okay, get rid of your refrigerator. You. get home and get an ice box. >> He think I need to be a man. It needs to. be gas. Our refrigerator doesn't work. anymore. >> How his brain works. >> Okay, that was like the older. technology. Just like everything else, we make newer technology. >> No, we go. >> we'll go from electric car someday to.

something new. Maybe just endless. nuclear cars. >> and a self-driving vehicles that are. like Ubers around here or. >> freaking me the. >> Well, that's cuz you live in like the. stone age. for everyone else. They're. great. >> because you don't have to have a. passenger. That's. >> At first, I thought it was like a map. car where it was just like updating. maps. >> I thought it was like a Google car. >> Yeah. >> Yeah. But instead of getting a car where. a dude's talking to his family overseas. and smells like literal death, you just. have a car that drives you safely.

>> Okay. Yes. I'm sorry. Yeah. 21st century. is very scary to you. I don't really. care. The rest of us are going to. progress as a society and which is fine. You can be obnoxious and eventually get. drive by. His. car looks ghetto to me in my opinion. >> Show me. Let's just see it. >> I mean, >> so this is the one thing you care about. in life. >> Yeah. >> I mean, all. >> prefers over his kid, right? >> I was just going to say that like he he. puts that a higher priority than our.

child. >> I mean, that's insane and actually. disgusting. >> Yeah. >> Now, whose best friend do we owe 600 to? >> Mine. >> Why? >> Baby necessities. >> You suck as a mother. >> Yeah, I could tell that was. >> Yeah. Do better. What the is wrong. with you? Move in with your family. Get. your together. Get your education. And then. >> go and live a life with a man that. actually cares about you. Doesn't have. >> What is that? Trench foot. Like I don't. even know. >> That's military doesn't even know. >> Describe it. It's they. >> won't go to the VA, you freak. >> Well, I've had two surgeries on my feet.

two separate times. or the VA cuz maybe. you actually deserve even though it was. actually your fault, not the military's. fault for what you did, but you might. actually deserve disability more than. most people that have been on this show. that get disability that don't actually. have an issue. Like you actually have an. issue. Again, your fault, but cuz no one. else has it that you served with cuz. they took care of themselves, right? >> Well, they they took care of it. They. they did the surgeries and then he. continued to not take care of himself. So, he got trench foot again. I don't. know about.

ghetto other than the the purple rims. which is actually really here. This is. >> he knows. >> You can say whatever you want. I've. heard everything underneath the sun. about it, but everybody else thinks it's. cool. But. >> who's everybody else? >> Nobody else. >> Let's make sure we get this picture for. on screen. But to me, other than the. purple worms, I would literally think. it's just a normal sedan that people are. driving by. Murka down the driver's side. with like in flag.

>> Gay. >> See, at least that would have been. patriotic. >> Yeah. >> Is gay. >> Yeah, cuz Pennsylvania is gay. That's. illegal to have something on your. windshield on the driver's side. >> A windshield? Yeah. >> You put it on a different one. >> No, he doesn't like it. Different. window. >> It has to be on that one. >> Yeah, >> cuz everybody else does the other way. And he doesn't want to be different. That's exactly why. >> Oh, so she actually thinks in the pre-in. process, she was actually thinking the. only reason. that you haven't gone to get a.

disability rating is because she thinks. you're actually dishonorably discharged, but you're just hiding it. And you just. That's why you can't get it. >> No, no, I can get it. I just haven't. >> This I've heard free money. There's. really no reason not to. I don't. understand. There's really no reason for. you not to. You go to your second job. Why not take that time and go get like. the free money? Makes no sense. I've. been saying that for years and I I'm at. the point where I know there's something. off about it because he set up the. appointment and then actively chose to.

not go to the appointment. >> It is sus. >> I mean, understandably, but like it's. also an hour away from. >> an hour away for a couple thousand bucks. for the rest of your life. >> It makes it makes absolutely and that's. his excuse is, "Oh, I work." Okay. Well, you would make more money if you just. went to the VA and got your benefits um. and missed one day worth of work or a. couple hours, leave on lunch. >> I kind of agree. And again, you are. actually someone that has something. which no one has ever been able to prove.

on the show that they have something. You were the first one ever able to. >> Yeah. I just I mean. >> he doesn't care. He doesn't care about. anything. >> Wanting to go, but it's. >> Why don't we leave? Why hope? This is. You're hoping for nothing. Daughter's. college fund 1,300. Who do you owe this. to? >> Our daughter. So that was in a in an. account that got drained. >> What? Yeah. >> You took from your own daughter's. college fund for what? >> To catch up on bills that weren't. getting. >> all while you're getting like a $700 gun. and pumping thousands into your car.

you in reality with how the money has. moved, you took from your daughter's own. future for your car, which literally. means in a mathematical example, you do. prioritize your car over your kid. Cuz. every time you spend a dollar on that. car for a purple rim or whatever could. be going to paying back your daughter's. college fund. >> Yeah. >> I didn't realize it was that much, but. >> Well, you admit now you care about your. car more than your daughter. You don't realize anything's that much.

>> because that is an actual example right. here. >> That is a reality. >> Will you admit that? >> Yeah. I mean, >> well, say it like you care more about. your car than your kid. >> I do like my car. >> That's disgusting. >> That's pathetic. You're a pathetic. excuse of a man. But on the. >> not cuz you suck dicks, but because you. don't take care of your daughter that. you produced.

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>> Yeah. I mean, >> yeah, cuz he looks at he looks at her. and me as they'll figure it out. My mom. will either take care of it or or Remy. will figure it out or some something. will happen. I can just focus on me. >> Now, I do have good news. You're not. really going to have to replenish it. with that gun sitting out. >> That's It's not funny. Like, you're not. That's not funny. It's tragic and up. >> He's kind of funny.

>> But I Yeah, I agree with that. >> The fact that we're staying with someone. who prefers their car over their kid is. uh that's pathetic. You're equally. pathetic. >> for enabling this by not leaving. That's. why I applied for government housing cuz. at this point we. >> So you've been approved? >> Yeah, I've been approved. There's a wait. list though cuz I can't How long's the. wait list? >> Uh 1 to two years. >> Yep. Yes, it is. Why not move back in. with family? Your family's there. >> Um my mom my mom. >> Dude, you got to do it at some point.

though. >> I No, I've I've genuinely considered. moving back in with my mom. Like we've. talked about it. She has the room for. me. Um. >> if it's there, then do it. Why not? >> Cuz I want to make this work. like I. wanted. >> Well, who cares? That is make it a work. You're backing off. You're getting. through school. You're you you you make. a you get a good job, make a good. income, and you live a great life. without a pathetic worm. being there. >> I I should I know I genuinely should. I.

just struggle with coming to terms of. like moving on from things. >> Why is he saying you wouldn't move in. with your mom, though? >> I don't want to live with my mother. Like, >> what's wrong with y'all's relationship? There's nothing wrong with my mom. You. just said there is. No, I don't like my. dad. I don't I don't have an issue with. my mom. >> But like with Well, but is he there? >> My dad? >> Yeah. >> Well, he threatened to slash my tires. and shoot me, so I won't let him be. there. >> But does he live with your mom? >> Oh, no. No. They got They just recently. got. >> Why would he threaten that? What' you do. as a daughter?

>> He No, he's just actually crazy. No, I. know. He's like actually crazy. Um he he. got a spinal surgery and they put him on. all kinds of psych meds and he went. >> he stopped smoking weed and doing drugs. and he went through like withdrawal. >> Um and I stopped talking to him because. of it. >> So he's an addict. >> Yeah. Um. >> because of a surgery. So it was hardly. even his fault. >> No, but he's always been an and. now he's using it as amplified. Yeah. Yeah. >> Um. >> Okay. Well, I would definitely move in.

now to your grandpa. We owe 3,000. Guys, this is the most amount of individual. family that I think I may have ever. seen. It says his grandpa. >> Is it your grandpa? >> No, that was grandpa. It was the. >> 3,000 to someone's grandfather. >> Wasn't to the grandfather. It was. >> I was going to say my grandparents are. dead. >> Um that is your. >> forgive the debt. >> That is your debt. I. >> What's it 3,000 for? >> Oh, that was to your dad. That was for. your schooling.

>> What are your schooling? What schooling. did you ever accomplish? nothing cuz I. barely went to college. >> Was this for college? >> I I wasn't with him at this point, but. that's what I. >> Yeah. I tried going to college and I got. out and was like, I can I can learn. more. >> No, I'm being told this is to help you. guys move. >> Oh, no. That is the. >> We already paid that off. We already. paid off who' you. >> My grandfather. I didn't put. >> to your grandpa and it's done. >> Yeah. >> Why did you b When did you borrow this? >> When we when I moved in January of 2024.

>> So 2 years ago you borrowed. So you guys. have been born for family since you guys. have been together. >> Yeah. >> You you will never get out of this cycle. then. You won't. You guys enable each. other's bad behavior. None of you face. any consequences and family's always. there to bail you out. You with the. living place, you with money. And you guys would probably have like. split custody anyway. So his mom would. probably still take care of him. >> Um I don't think he would actually get.

50%. I don't think he even wants 50% cuz. he can't. >> He probably doesn't. >> He Well, I can't even. >> if you guys split. Well, how much how. what custody do you. >> 50/50? >> Really? >> Yeah. >> I can't even leave him with her. Like I. left her when we were when we were split. up for that like period of time and I. went on a date with Back Burner guy. I. came home and she was covered in vomit, screaming, crying. I had to rush her to. the hospital. >> What? >> Like he I don't trust him to keep her. There's no way he's. >> kidding me. >> I'M DEAD SERIOUS. >> WHAT HAPPENED, I was sleep. It.

was. >> He was not sleeping. She was down He was. downstairs and she was upstairs. screaming. Yes. >> No, I was like, "No, you weren't. You. were sitting on the couch wide awake. when I walked in.". >> And she was upstairs screaming. And I. looked and I said, "How long has she. been up there? Like, how long has she. been doing this?" And he goes, "I don't. know. It just started." No, the it. didn't because she was covered in vomit. Her entire crib was covered in vomit. The floor was covered in vomit. And and you actively said, "Oh, it just. happened. I have no clue.

>> And this is the one time you left him. home with her? >> Yeah. >> What the buddy? In what world. would you get 50/50 custody? You can't. take care of this kid to save their. life. >> Like, I've been I've changed over the time. >> In what way? >> Every way. >> What? >> Yeah. >> You don't you don't you don't because. also No, your dog you left him in the. kennel with puke for 3 days. >> Oh my. What is wrong with the dog? Not.

even three days. But the the kennel was. covered in vomit for three days and he. chose not to clean it. >> It's evil. >> He wasn't even in the He wasn't even. stuck in the kennel for 3 days. >> No, he was I just said that he wasn't in. the kennel for 3 days. But you left the. you left the vomit in there so long that. it dried to the pan. >> So has he changed? >> No. How are you saying you changed? Give. an example. I mean I don't like when. something happens and.

>> well when something happens it gets. cleaned like. >> 3 days later. >> when I nag you. >> her dog. in there. >> that day I cleaned it up I would hope so. you have to guys this is a ba basic. minimum requirement for owning a a dog. >> and because I. >> her dog puked on the floor I cleaned it. up. >> that's a basic thing I this is not crazy. guys. >> like yes. >> how are we bragging about this. >> that's the thing like you you the grass. needs cut right now. Did the ent all the. dishes need done like the the.

responsibilities that you assumed as. yours and that's I'm more willing now to. pick. >> does he take the dog for walks? >> Oh no no he he got this job. um it's a it's a German shepherd mental. stimulant for. >> the whole uh working dog has a whole lot. of energy under the the assumption that. he was going to take him for a run every. day because. >> Have you ever taken the dog for a walk. once? >> Not once. He no a walk probably twice. No, when I first got him, I would take. him for walks. >> No, you took him for like two walks. total. Um, he's now over 2 years old.

>> So, at out 105. >> under the assumption Oh, I was. >> Oh my goodness. He forgot to feed the. dog for two days once. >> He forgets to feed the dog constantly. Constantly. I have to consistently feed. the dog. >> Dogs are easy. >> Mhm. >> Dogs are easy, dude. I even I even. install made sure we installed a fence. in the backyard to make sure that he. could just let the dog out. >> You own the house? >> No. No. >> No. >> I got uh free fencing, so I just like.

put it in in the back myself. >> The landlord now. >> No. >> No. But there's it's a slum lord. Like. we're our fridge doesn't even work. >> No. >> Well, he prefers ice boxes. So. >> Well, that's why we have an ice box out. front. >> His father This is the school. >> Yes. But I don't But I don't have to pay. that back. >> You don't have to? Why? cuz he said that. I didn't have to. >> Okay. Um Okay. I've never seen this in. the history of this show. I have a. picture of a ripped up bill that is.

labeled him. >> Behind that credit for tools. >> So, this is his tool count that I had no. clue he had. Um he comes walking. He. doesn't he checks the mail. He doesn't. open the mail. He'll just sit it on the. table. it'll pile up for months. So, when he walks in and I hear him opening. a piece of mail and then ripping the. piece of mail up, I'm like, "What is. going on? What is this?" Um, and he was. like, "Oh, it's just junk mail." And I. didn't think of anything at first. And.

then two seconds went by and I was like, "He doesn't even open the mail. Like, what do you mean junk mail?" So, I went. to the garbage, pulled out one piece of. paper, and it was this one that says. payment, payment, payment with a bunch. of dates. And I was like, "This isn't. junk mail. What is this?" So, I pulled. every piece out, puzzled it together, and said, "Oh, wow. This is $12,000. worth of debt I didn't know about.". >> What were you hoping happened here, buddy? >> To have it paid off before I found it.

>> What's the minimum payment? >> Minimum payment is um. >> 2695. >> Huh? >> It's $65 a week, but I pay 70. >> Oh, what a guy. Yeah. Okay. Averages. two. Yeah. 289 a month. >> Yeah. >> That's insane. That's crazy. 12,000 hours. Yeah. What. were you hoping for?

>> I mean, to the point where like I would. tell her about it. I just needed like I. just didn't know. >> You think you would ever tell you about. this if you didn't find it? >> No. No. And I didn't I didn't find out. about it that way. Actually, I found out. by his mom telling me because she's. still on his bank account. >> Um, telling me that, "Oh, yeah, you guys. could probably afford your bills if he. didn't spend this much money on tools. >> Why? What is with you guys and snap. tools? Why the go into this $12,13.50.

a minimum payment of nearly $300 a. month?". >> Cuz it's a convenience thing. >> Yes, but get some used tools. Get some. Dude, don't get everything. >> We were We were in the process lifetime. warranty. Something breaks, the truck. comes to you. You can't afford this. It's just Is it. >> We were in the process of buying a house. when his mom came to me and said, "Hey, this is why you can't afford to live.". >> Oh my You You guys almost bought a. house. I'm glad you did. >> I didn't I wasn't signing. Like, I.

wasn't co-signing. He was entirely doing. it himself. >> What are you doing? Okay. Um, >> what the are we. >> When did you guys almost get a house? Two months ago. >> April. >> You don't love each other. >> I So, I originally wanted TO GET A HOUSE. >> so he could afford to live without me.

Like, I need. >> How could that make him afford to live. without you? Buying a house. So, calculating it out, the house we were. looking at in the the place we No, it's. a house. The house we were looking at. >> was just under including um taxes and. insurance. It was just under what we. were renting. So, I was like, you know. what? Like, let's get you to the point. where you can afford to live cuz if I. decide to leave you, I don't want you. living in your car. You still need a. place to like watch our daughter and be.

a father. >> Really? You think you'd ever do that? >> Apparently not. No, >> but um. >> house I mean starter house definitely. very old but. >> yes. >> Okay. >> Um so we were we were. >> looking at houses and his mom came up to. help look cuz she was going to help us. with all the the closing costs. >> Oh, someone just bought it a couple days. ago. >> VA loan was going to cover um. >> the down payment. So we didn't have a. down payment. His mom was going to help. us cover the closing costs. So I had her. come out to just help look like I I.

appreciate your opinion. And when she. came out, that's when she was just like, "By the way, like you guys can't afford. to pay your bills right now because of. his tool." Um, and then like two weeks. later is when I got that statement in. the mail, cuz I didn't even know what he. was spending on tools until then. >> Oh, you told the producers that you. could use your uh uh coworker's tools. >> I can, but if he leaves, then what? >> Then get your tools. >> Why am I going to use somebody else's. tools when I can just go get my own.

tools? >> Did that and you wanted to get a house? Granted, yes. But I could. >> Granted, yes. >> But like I still I still need my own. tools. >> Used. >> If it breaks, well then what? >> You'll get. >> become homeless. Then what? >> Or you could go to like Craftsman and. get a whole set for 3,000 or. >> 12. Your tools. nearly 15% of the purchase price of the. house. It. >> just sold for 9021.

Okay. What is this account? You're. getting a lot of that is declining. Payments left. Looks like a firm or. something. It. >> is a firm. >> What are you doing? Cuz you're doing. like What is this speed pay? You're. doing speed pay, gas bill, speed pay. What are you doing? >> So, when I didn't have any money, I just. use a firm so it'll give me that extra. month. >> What's speed pay? Speed Pay. What is.

that? 90. >> Payday loan. >> No. Um, that was. what it. >> That's where we work. >> Yeah, that's the restaurant that we work. at. >> So, >> you're affirming food at the own at the. restaurant you work at? >> So, I actually I asked him to pay for. that and I didn't realize he didn't have. money. So, instead of telling me, hey, I. don't have money for this, he affirmed. it. >> Me, dude. This is like oh 18 payments.

left on this. I don't even know what. what are your minimums minimum stacking. up to on a firm. >> Um. >> I don't even know what the full balance. is on here, dude. Do you. >> I know the one that's. >> okay. I can I can do the math. >> 67. >> I know three of them. $1,111.61.

at least. I mean, it's a mess. It's a. mess, dude. And then what was it? It was. like 18 payments of three payments. This is divided by 18. Just go. with 66 hours a month. What a joke, dude. What a mess. This is. a firm. Who's a firm? >> That's. Jacob. >> Stop saying his real name. That one. would have been paid off by the time we. filmed this. Same same with this one. But what? You're getting insane things. You're just using the virtual card for.

everything at 35% interest. 35%. interest, >> That was for our Expinity bill, too. He. paid our Wi-Fi. >> The ones we just looked at. >> Mhm. >> Oh my gosh. Why? You guys should just give up at this. point. Like, what is there? The fact. that you're still with each other blows. my mind. Like this felt like an audit. Like I was like, why even go through the. finances? I am obviously cuz you came. on. But it's like guys, you shouldn't.

even be together. And we est we. established that in the first half, right? >> Unfortunately, >> who has credit one? Him. So far, it's all you, dude. Credit One's. insane, by the way. It's like the worst. credit card that exists. I just need something to bump up my. credit score, >> which is why you're above the limit. It's harming your score. The limit's. 500. You owe 573.97.

>> It's probably more now. >> It's Yeah. >> And that is to help your credit score. >> At first, it was supposed to help, but. then. >> when at first when. >> when I first got it, it was supposed to. help cuz I was just getting gas at that. point, paying and paying it. I'll get. you guys course career certifications. I'll get you that in the trades and I'll. get you in whatever the you what are you. going to school for again? >> Engineering. >> Okay. We have some we have some great. tech certifications and like that. Project management. Go ahead and get. those. Use those. People in the audience. have converted them into six figure. paying jobs.

>> Dude, the we have a debt forgiveness. program on kale.com. Personal loans and. car insurance as well. But which you. need car insurance. So use our car. insurance tool kale.com. But I'm still. paying like astronomical amount. >> Yeah, you'll probably get cheaper on our. website. The thing is, I don't want you. guys to do any of those except for the. car insurance until you have changed. your behavior. And I don't even know if. you guys should be together. So, I don't. even know what changing behavior looks. like. Okay. >> That one's mine. >> You have a Capital One. >> That is mine. >> You are late. >> on your payment.

>> One of them I was. Yeah. >> Why? >> Um I didn't realize that I didn't have. the money in my account when it pulled, so it bounced. I was a broke am. >> am Yeah, I am a broke. >> You guys suck, man. Because you're. purchasing on this card that you're. getting late fees on that you're not. paying on time. You're not at the credit. limit, luckily for you, but it's it's. not terribly far away. $528.83, $25 minimum payments. You couldn't even. do that. And $6 from Walmart. Probably.

at that point. Then Apple bill, Paramount Plus, Goodwills, >> Wendy's for Walmart. Uh membership. >> Oh, membership. I didn't even know you. do memberships through Walmart. Bookstore, potentially groceries, potentially Definitely. >> Book store is for her college. >> Eating at your own place again, guys. Come on. Uh, Apple Bill and Ross. stores. And then late fee. It's so. stupid. Of which you've had three, four.

this year so far. Four late fees. So, no, this wasn't a Oh, oopsie. I just. forgot that one time. You guys are just insane. Okay, him. Let's see. What is it? I think auto. loan. Volkswagen. Jedha. Mhm. >> His special little baby. For some. reason, that makes no sense. Plus a. personal loan. So. Jedha. is. $9,1225. Personal loan is $2,3716. Why the do you have the personal loan?

>> It's for my truck. you is worth less than 2,300. What's. your Jetta worth? >> Uh, right now standing it's between 10. and 12. >> Like 10. >> If you actually care about your kid, sell it. >> I mean, I already have it posted on. Facebook. >> Good. >> Only cuz I made him. >> Well, >> like that was. >> Well, the had a decent interest rate. It's a It's a bummer that you have. >> his mom co-signed for it. That's the. only reason. >> What's the personal loan interest rate?

You got fees and like crazy. The fees are probably going to be late, like overdraft. >> This isn't even on that yet, though. This is just fees for the loans and then. you have interest. Okay. Interest rate. for the personal loan for the truck. That's not even worth it. It's 13.2%. >> Cuz he he told them that it wasn't for a. vehicle. That's why he got a personal. loan. >> OH, OKAY. His checking account ended. with 238. Thank.

who knows where that went. Okay. Let's. see. Where'd this go? Energy drinks. You're a big energy drink boy, aren't. you? >> No. Mountain Dew up the wall. I drink. about I drink over a little gallon of. like Mountain Dew. >> a day. >> Okay. No longer. Make gamer subs. It's. very delicious at home. It is 40 cents a. serving with our discount link below. 40. cents a serving. Make your energy. drinks, your pops, your everything at. home. We have their Caleb Hammer Liquid. Assets Financial Autoflavor. One out of. every 100 gets one with my face on it.

That's the the special draw. >> I was actually going to ask you if I. could have one of those. >> Uh, unfortunately, we just don't have. them. >> Huh? >> One out of every 10. I am correcting. myself. That is updated information. Um, okay. One out of every 10 has my face on. it. And yeah, check it out, guys. Link. in the description below. You can also. get free samples down there to figure. out what flavors you like. And then it's. 10 cents. 40 cents a serving. Much. cheaper than his multi energy drink. $3. Three. Yeah. Mountain Dew. Mountain Dew. Mountain Dew.

Uh, and. >> sometimes it's three times a day. Go to. the gas station. >> Apple cash. Yeah. No The. overdraft. Mountain Dew. I think. probably Mountain Dew. This is. man. Mountain Dew. Mountain Dew. Mountain Dew. Mountain Dew. Mountain. Domino's dominoes. I don't know. Tools. More tools. Different tools. Quality tools. This. doesn't snap. >> No. >> Quality tools. >> Quality tools is um. >> You want different tools? >> Yeah. >> Multiple. >> Yeah, I have multiple. >> I didn't even have that debt. Where's. that debt? >> Yeah, you do. It's the tech credit. The.

one where she has the ripped up papers. That's from Cornwall. No, that was. Cornwall. >> How much you owe on Snap? >> I owe. >> Oh my. >> He wouldn't get me this paperwork. I've. been asking him for 3 months. >> Well, the dude retired, so like he. hasn't even shown up. Like there's So. the guy from Snap-On retired. He's gone. >> Yeah, but the company still exists, but. >> this company does still exist, but they. need another person to run his route. >> They haven't showed up. You can only pay. him in person. >> Yeah. No. Yes. No, you can't. You can.

call them. >> Mine is on a truck account. >> Like you said, >> we know it was $50,000 spent originally. on those snap tools. >> I mean, guys, it's all just mountain. dues and Mountain duels. Dues. and Okay, Mac tools. $20. Is that $20 a. week? >> Uh, two weeks. >> Okay. $40 a month, dude. Probably like 10,000 hours now. No, no, it's probably like 12 at best. What's your personal loan minimum.

repayment? >> My personal loan is 104. >> And the Jetta. >> 432. and. >> yeah, you're getting overdrafts like. crazy. Okay, you. >> that's me. >> You started with negative $15. So, let's. not pretend like you're good. You. >> So, that was for Zel. You went negative. for Zel, you dumbass. >> That was uh during the time frame that I. wasn't working. >> Join account $3. Wow. Incredible. A. couple that should definitely be. together. Um, >> that's my medical. So, that's from.

having a child. >> Okay. 600. You get on a payment plan. >> Uh, not yet. No, I haven't even started. anything on that, >> guys. So, here's the thing. I don't know. what to do cuz you guys shouldn't be. together. Budget as a household, budget. individually. I don't know. But here's. the advice. This is the reality of the. situation. certainly use the dollar. budgeting app, but more than anything, sell the motorcycle. Sell the Jetta, pay.

back the smallest to largest loan. I. don't know. I don't know what to advise. you cuz if you guys aren't together, yeah, you are dependent on him. financially. If you're not together, I. don't know. You can't pay bills. >> Yeah. But move in with family, get a. cheap ass apartment, man the up on. taking care of your kids and dogs, and. pay smallest to largest. I don't know. That's kind of it. But I. don't know how to budget you guys. I. really don't. Cuz you guys shouldn't be.

together. You're not together. Your. finances are a mess. I don't have all. the statements. But that's the basic. thing. Or at least with you, with all. your debt, prove you can budget for 3. months, then go through bankruptcy or a. debt forgiveness program or something. mess. >> I always do smallest to largest. >> He So, >> always do, buddy. You're in. >> If you look at the affirm, he took out a. $9ome dollar affirm to partially pay off. the Snap-on. So, he put that $930. towards Snap-on. >> owes an interest rate on that 936%.

>> And still owes Snap-on. >> I didn't know what it was for, but. that's. >> I didn't know that he took out the. affirm until a month after he did that, >> guys. I don't even know what a mess. I. can't I can't do this. I can't go. through this. There's nothing reasonable. for me to do here. The advice is sell. those things. Maybe consolidate if you. can prove your budget, but I just don't. even have hope for that. Probably break. up, live with your family, get a cheap. ass apartment, and be a good dad. I.

don't know. Okay, I'm actually interested in calling. your backup. I want to see his. perspective on this. Well, let's call. her backup in the post show. Hammer. financial score obviously is zero. It's. not even close. It's no returns. It's. nothing. It's not real estate. You. almost did. I'm glad you didn't. Get. yours at kale.com. Now, join us for an. extra 20 minutes. We're going to call. her back burner and back burner in the. post show. An extra 20 minutes of this. episode. Uh, also three premium shows. every single day, 6 days a week. Over a. 100,000 monthly active users for a. reason because it is the best membership.

on YouTube. Join by the join button or. click that link below or you can go off. platform at the Hammerly app or. hammerly.com. I'll see you guys there. How does it feel to be this woman's. backup option and she won't leave this. pathetic actual waste of space that. she's with? >> Not the best. >> I don't like the idea of like leaving. him. I don't know why. I don't I don't. know why. >> And this dude rocks his. constantly. >> in the shower. Yeah, >> I use her toys. I just launched the. brand new Hammer Elite app available on.

every major platform so you can watch. every show anywhere you want. You'll get. three exclusive dedicated shows every. single day, Monday through Saturday. Refer a friend after you sign up and you. get an additional 30 days of Hammer. Elite access for free. Download the. Hammer Elite app by using the link in. the description or pin comment down. below. This is the best membership. you'll ever join, and that's a promise. I want you to be on the next episode of. Financial Audit right here in Austin, Texas. If you think you have interesting. finances with an interesting personality. or a story or a life or relationship, I.

will personally pay you to take time off. of work, fly you down to Austin, get you. personal transportation, a hotel, food, and we'll have a great time hanging out. Go to kale.com/apply or click that link. in the description below.