The Most Ghetto Financial Audit

What's popping up on these Doom Scrolls? >> Stay at home mom recipes. >> Stay at home mom recipes. >> You can't stay at home if he's bringing. in 3,000 bucks a month. >> I told him to get a second job. >> Get a second job so you can sit your fat. ass at home? >> I told him he like he's lazy. I told him. >> What? How does it make you feel Jonathan. that she specifically told Colton that. if she had not gotten pregnant, she. probably would have stayed with you? >> Yeah, I'm just trying to avoid child. support cuz you I don't know how heavy. that that kind of is. >> Wow. >> Yeah.

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>> All right, hi. I'm Jonathan. I'm 27. years old. >> Hi, I'm Melissa. I'm 27 years old. We're. coming from Houston. >> And this is your financial audit. >> Your financial audit. >> It's. >> [laughter]. >> yours. It's Okay. >> Um very good. Thanks for coming over. from Houston. It just it feels I'll be. honest Jonathan, a little racist. We. never get people from Houston and the. moment we do, it's a black man. >> [laughter]. >> And that just feels a little. insulting. No, it's not insulting. No, why would it be insulting that there's a.

black man in front of me? That's not. insulting. But, it feels a little. racist. But, we're not racist. So, that's that's that's a good thing. Um. well, let's see if Houston's racist with. how much you make. What's your job. Jonathan? >> Uh right now I am working at water level. and gauge company and piping company in. Houston. >> How much do you make? >> A check or. >> you make? >> A check what's your pay? Um 20 hour. >> Okay. Okay, not Okay, Houston. You're. doing okay. Okay, so [laughter] that's. fine. That's fine. I You know, 20. Houston.

depends where you live. There's. definitely some wealthy areas. There's. some lower income areas. It's one of. those like classic cities where it's. uh you can get some affordable things in. there, but it's usually just, you know, a little rough as well. Um 20 could. stretch if you're in that area. Are we. married? >> Yes. >> Okay, how many hours a week are you. working for for that 20? >> I am working 40 hours a week. >> Okay, so what hits your account per. paycheck? >> I would say roughly between 1450 to. 1550.

>> Okay, well, let's just call it 1500. then. What is that every 2 weeks? >> Yes. >> Cool. 3,000 bucks. Good. Melissa, what. do you do? You're going to need to make. a little bit more money to. make this house. >> Uh I make 19 an hour. >> okay. As long as you're bringing in, we're doubling this to like 6,000, we. can survive. Well, what do you do? >> I'm just a front office at a clinic and. that's pretty All I do is. medical. It's medical and. I just make 19 an hour. I do not hit.

overtime a lot because the job does not. allow it. >> Okay, well, then yeah, you probably. wouldn't hit it if it doesn't allow it. >> yeah, they do not. >> How many hours a week are you working? >> 40. Yeah. About 40. Maybe like. 39, but I honestly don't want to work. anymore. >> Okay, well, how are we going to do that. if he's bringing 3,000 hours a month? Not a knock against you, but how can we. survive as household? Not going to work. You're going to work. Shut the [ __ ] up.

You're going to work. >> Oh my gosh. Well, I told him Shut up. Why doesn't she want to work? >> Cuz I don't I don't want to hear that. We're not making enough money when we're. really not. And she would put that How. long have you been married? >> We've been married for almost 3 years. >> Uh-huh, and she doesn't want to work. Why doesn't she want to work? >> She doesn't want to work cuz work is too. much. Too much stress. She won't put. >> Ooh, front desk. >> She want She wants to put all her stress. and energy towards the kids. >> Oh, the children. >> Yes, we have. >> And they're still there. >> Yes.

>> [laughter]. >> Well, then how many? >> Two. We have two. >> We have a 2-year-old and a 1-year-old. >> Oh, okay. There's still time. >> Is there? >> Yeah, very good. Okay. No, I get that. We'll stay at home Stay at home mama. That's what you want to do. >> Yes. >> to try to up a little? >> I do because I mean, I've been watching. videos, obviously, on Instagram. [laughter] Well, I mean, it's What are these videos? >> that doom scroll.

>> We do call it a doom scroll. What's. What's popping up on these doom scrolls? >> Stay-at-home mom recipes. >> Stay-at-home mom recipes. >> Stay-at-home. content. Content food recipes, cleaning cleaning. talk. >> to do with kids, anything to do with. emotions. >> Well, emotions and kids, those happen, but why why did I hear the word like. twice in there? Yes, you said twice. >> No. >> [laughter].

>> Did you hear it? >> I think I did once. >> Okay. >> No. >> [laughter]. >> No, legitimately twice. >> Oh, no. I know. I just I like watching. >> And what have you seen? So, okay, yes, the recipes, that's wonderful. But what. what what is that doing for you? Making. it like, "Okay, I want to live at home. forever?". >> Yes, because I always wanted to be this, you know? >> Be what? >> Be a stay-at-home Well, be a mom in. general, but I always knew I wanted to. prioritize my kids. >> Then no offense to Demonte, you picked a.

Jonathan, you picked a wrong. I don't know. I was That's [laughter]. just what was rattling around in my. head. >> Hey, it's all right. >> Then you picked the wrong income to. shack up to. >> Yeah. I didn't. >> Right? >> I didn't think about that for of it. I. was just saying that's so fast to you. >> You can't stay at home if he's bringing. in 3,000 bucks a month in Houston. You're not in rural Appalachia. >> I know, but I told him at least get a.

second. I told him to get a second job. >> Get a job so you can sit your fat ass at. home? What are we doing? >> [laughter]. >> I mean, I'm sorry. That that's the. reality. >> Right. Well, okay. >> Jonathan. >> Yes. >> What's your thoughts on that? Well, go get a second job so I can sit. at home. And yes, be mother. I'm not. saying it's nothing. But when you hear that. >> Oh, my second job. The only thing is if. I'm going to come home to home-cooked. meals, is kids going to be taken care of.

from that and. >> You're okay with that? You'll do the second job, you'll work. the 80 hours a week for as long as. there's a meal at home. A meal's not. hard, by the way. >> It's not. >> it before, so I did it like I did work. two jobs before, but I quit the second. job in the midst of us having the second. having the second kid. >> So, I was a stay-at-home mom before. >> And. >> I had to go back to work because he quit. his second job when I told him not to. quit it. >> I quit it. >> [laughter]. >> At least give I was like, give me some.

time, man. Give me some time to. >> Well, at that time. >> be postpartum. I wasn't even want like I. wasn't even a whole full week postpartum. and I was like, give me give me some. time to be postpartum. Don't quit just. yet. >> you, two, three months before prior. before the birth, she was already. speaking about already trying to fight. to go back to work. Already made the. plans like after I get after I get after. I make the baby after you make the baby. and such such time passed by, I finished. up at work. I'm like, for what? >> You in the military? >> No. >> Is that a dog tag?

>> Oh, this is a dog tag I bought from. years ago. >> Okay, I was just wondering cuz. disability that that would be like the. thing that could. >> He refuses to go to the military. >> Okay. >> [laughter]. >> Is that like a thing you're trying to. push him to? >> I did Well, because we just want. >> to go to the military? >> Yes, because, you know, I just want to. be. >> I was never asked. >> I've never heard that. >> I was never asked if I wanted to go or. what's your pursuit What's your What's. your path? What What do you want to do? I Hey, I I could sit here like this.

>> And he was like, "I don't want to work. for the man." or whatever. I'm like, "Dude, it's it's the It's just uh. temporary thing, you know? It's not. >> well, I'll ask you. I'll ask you, why does he have to do the. military? >> Well, it's you. >> It's just a source of income. It wasn't. like a. >> a job. >> Well, he he quit the second job, so what. can I. >> Okay, why'd you quit the second job, Jonathan? >> I quit the second job because Melissa. here was crying to me about like, "Oh, I'm too stressed out. The kids, I'm not.

sure what to do." and stuff like that. So, how can I. >> Honestly, yeah, that makes more sense. That's. exactly what I would expect to hear from. you. That has the endless amount of. demands. I'm already picking it up. You. got all the demands, no solutions, nothing's ever good enough. I mean, I. can read that from you. I can smell that. from you at this point. I mean, of. course, absolutely. So, he's working. So, oh, there's no one. to help me. There's no one to help me. What do I do? What do I do? What do I. do? I'm home all day. There's no one to. help me. What do I do? What do I do? What do I do? You got to be home more.

So, he quits and it's like, "Oh, now. there's no more need. >> No, that's not it. No, it's just I just give. him so many different options. It's just. that he. >> like the only option she gave you was go. make more money by working 80 hours a. week. >> Yeah. >> He just doesn't. >> Which is a. >> him I told him he like he's lazy. I told. him. >> What? He's working his ass off. He At least he was. I mean, you're doing. 40 hours a week now. So, I mean, yes, if.

you're both doing 40, yes, you have to. equally step up at home. I got that. But, how was he lazy working 80 hours? What was your second job? >> Pizza. I was a pizza man. I was doing. pizza. >> So you were delivering pizza? >> No, I was assistant manager at a pizza. shop. >> Okay. Okay. That's work. He's on his. feet all day. Okay, that's lazy. How many extra hours. were you putting in a week towards that? >> Uh before I quit it, I was doing extra. 25 on that one. Extra 20 Oh, extra 25 or. 30 throughout the week. So I was putting. >> How can you call him lazy? How can you.

call him lazy? >> It's just that I told him I do. >> Her definition of lazy is I come home. from two jobs and still be able to cook, clean, maybe change some diapers, maybe. do this. >> have the whole thing. You have to. decide. Are you stay-at-home mothering. doing the mothering and is he working to. take care of you? >> but that's not it. He twisted it up. That's not it. >> What? That's not it. He made all the. pizzas. He knew he ate them all. >> I. So pretty much I already told him. I was.

like, "Look, I do want to take care of. the house. I do want to. take care of the kids. I want to cook. for you. But every time I cook he's. like, "Oh, we already ate this." Or like, "Oh, this. is the same thing." I'm like, "Dude, this is what we got." Like, this this is. it. Like, he. he wants hamburgers. He wants pizza. >> Hamburger? Pizza? Well, okay, you named. like the two most basic foods. What? That that [laughter] wasn't asking.

for like beef Wellington. >> He just is just saying. >> Hamburger. Oh, no. That. >> [laughter]. >> What? >> Uh well He didn't like my rice and. chicken. I made rice and chicken. >> Well, your What? No [ __ ] He needs. flavor. He needs seasoning. >> Slap your mama. >> Oh my gosh. >> Oh, is it seasoning? He's He's a seasoning. >> Yeah, put slap your mama on, right? >> Yeah. But. >> Do that. >> I did. I did. He just.

>> More. >> Okay. a lot. >> Well, I need some I need some flavor. Is. it besides this one stagnant monotone. flavor? It's almost like tasting. Church's or Popeyes. You eating the same. kind of chicken. It It's going to taste. good, but. eat more of it over time. It's going to. taste the same. Same thing with the. fries. Fries could be good on first. grip, but if you keep making the same. kind of fries, it's going to It's going. to go taste plain over time. >> He says stuff like that. >> I'm with him. Listen, if you're at home, just swap to. get three different seasonings. Swap. them out.

>> So, we've It's just I don't. >> care how you guys live your life, how. you want to live your life, but if your. entire argument is you want to stay at. home and be wife and be mother, so he. goes and works. Yeah, that's your [ __ ]. to figure out then. That's what you. chose. You don't have to do it. I I. don't care what people choose to do, but. if that's what you chose, that's what. you chose. Do it then. And the thing is what concerns me here. is. Well, before I get to that point, why. did you quit your job specifically?

>> To help her out with the kids. >> Okay. >> So, again, you're trying to ask for. everything. Did she ever ask that? >> I never asked for that. I. >> Okay. So, you asked for it then. You. asked for it then. >> I told him, "I just want to vent to you. I just want to tell you, 'Hey, I'm. tired. I I have a lot with the kids.'". That's all I was doing, venting to him. I never told him, "Hey, step up or. change your diapers." Never. >> in response to you venting about me. about the kids, how you expect me to. take it, especially when I'm trying to. help you out? I'm I'm I'm supposed to be the man of. the house, supposed to be bringing in. money and paying all the bills.

>> That's why I told you, "You worry about. the finances. I'mma do everything else.". We argue so much, and it's just to the. point that one time we did threaten to. divorce. Like. >> What? For why? >> Cuz the constant bickering back and. forth, the yelling at each other. >> starting the bickering? Come on. Jonathan, I. Just Jonathan does not present himself. as a man that ever started bickering in. his life. He might finish a picker with a Glock, but he won't start it.

>> The Glock is a little excessive. >> [laughter]. >> I won't go that. >> heard he's not going to do a Glock. >> I won't go that far. I'll probably do it. like a belt or extension cord. >> gosh. >> [laughter]. >> Yeah. >> He the black way, golly. >> But you you never start the fights, do. you? >> No, unless I unless I have to. >> When would you have to? >> Because there had to be certain times. where a. a man has a certain his foot down put. his foot down in certain situations to. regardless. >> What does this mean, Jonathan? >> Mhm. >> So, how frequently are we arguing?

Cuz finances is a leading cause for. divorce in this country, and that's one. of the biggest argument things we have. >> That is a huge argument in our. relationship. >> So, how frequently are we arguing? Having these big arguments? >> The small arguments are almost on a. daily. >> Unfor- small What's considered small? What's a small argument? >> That. The dishes. >> Guys, we can't survive in a house like. that. Who would want to live there? >> You got to wash it from washing dishes. to how diapers are being changed to how.

clothes are being put up cuz we we have. >> You guys are too opinionated on small. things. >> Well, >> Opinionated? >> Yeah, uh I well, >> Or is it just having a strong standpoint. on how things can be done? >> How does it make you feel, Jonathan, that she specifically told Colton that. if she had not gotten pregnant, she. probably wouldn't have stayed with you? Because that would make my heart sink. completely. >> I mean, me I would have I would have.

took it as a like I like I like my free. time back. I just. >> Well, you still have kids. >> Well, I don't have to deal with the. stress of having to wake up to the same. woman who caused me this issue at first. So, all I want to do is I'm going to. separate my time, but still give my time. to the kids, but just. >> he did cheat, so. He cheated. So, I of course I'm free. >> Uh okay, tell me about that. What the. >> So, >> That's.

okay. You have children. >> This is This is before. >> So, it wasn't long ago with a 2-year-old. being the. >> Yeah, so pretty much. he's and I asked him why did he decide. to step outside? >> say asked like a normal person? Why is. this a thing? Houston, what are we. doing? Just say asked. I'll let you say. it, but you're white. >> I'm not. I'm from El Salvador. >> Aren't you white, too?

Yes, I'm white, but I like speak words. >> Yeah, no, I'm from El Salvador. >> And what kind of Doesn't mean you're not. white. What kind of Is there different. shades of white? >> Huh? >> Is there different shades of white? >> White Hispanic, huh? >> Is there different shades of white or is. there one kind of white? >> Uh there's different backgrounds. Yeah, but like yeah, you're like white Latino, right? 25% native. La la la, but I don't you know. >> [laughter]. >> So, but you say it was racist to have me. on the show. >> No, I was asking if it was. I'm glad.

it's not. So, just like okay, so you're. asking asking asking. >> Uh okay, you know what? >> can't say it? >> I can't. >> What you want me to do? >> I say it in Spanish? Since you didn't know I was Hispanic. What you want me to. >> you're white. You look like just like a. fat white lady. Plus, for what it's. worth like black men, skinny black men, fat or fat white ladies, it's just like. it always happens, right? There's like a. science. >> It should be studied. Apparently, according to you. >> According to me, I didn't say it. But I.

was hoping Well, I was hoping Jonathan. could just answer for me why the pairing. just always happens. It's like drawn. Hey, is this gravity? Uh. thick thighs save lives, as they say. >> Huh? >> Thick thighs save lives. They create lives, too, of them. >> Two. >> That's the only reason she's there. >> Hopefully financials are better. >> That's the only reason why I'm still. here. >> No, uh I guess that's why you're still. there, too. >> Okay, so we would neither of us would be. with each other if it wasn't for the. kids. >> Pretty much.

>> Brother, that's brutal. That How is there any future then? Is that even a good future for the kids? Right? >> It's not. >> Why did you pull out twice? >> Well, somebody was begging for a kid, so. >> all beg. They all beg to stay in. You. don't listen. That's the ultimate trap. They're always saying, "Oh, come in me.". You don't You don't come in me. >> Oh, I'm going to come. >> That's the best feeling, though. >> It is the best feeling, and then a.

child. >> Now that you're careful. >> What if you're not careful? If you're. busting inside, you're not careful. You. can't bust at a certain angle inside and. like it's also no kids. Is that like a. ultimate angle of bust? >> Mhm. >> Is there? Cuz if there is, I don't know. it. >> It depends on your curve. If you have a. curve, then. >> Your curve resulted in two. Two kids. So, you wouldn't be Oh, he cheated. Yes, how did he cheat? What the. >> [laughter]. >> So, he cheated. Uh. >> If you guys even love each other Are you.

even anymore? >> Most definitely. >> You are? >> Yes. >> Yeah, I'm being told your sex lives. actually are not great. >> So, >> Great don't worry in what extent. >> It was. >> I don't know. That's what I'm being. told, so I was going to ask you. >> It was bad at the beginning. So, pretty. much we didn't know each other's body. what we like. >> Okay. >> So, we. >> Okay, well I don't need any know all. that. I was just wondering if you guys. don't love each other, then our sex. lives aren't great, and he's uh. cheating, then like yeah, that that. would be a concern. I don't I don't need. to know if like you don't know each.

other's bodies when you first got. together. >> Well, yeah, but that's one of the. results of cheating because we were. arguing so much that there was so much. frustration. >> Oh, back then and today still? >> person wasn't getting what they wanted. despite if they had oh. I wasn't getting what I wanted. >> Really? >> So. >> It's usually the other way around. because like dudes are easy. >> So I was asking I was asking really for. that emotional part just for the. emotional stability from it. So. >> You're like the opposite of every man. ever. She just wanted a bust and you. wanted the.

the post-sex care? >> Oh yeah, most definitely. You see how you see how different it is? >> Yeah, it's weird. >> Yeah, it's weird, huh? Yeah. >> Uh but that's okay. I support it. You. just wanted a bust and leave. >> If you want to call it that I. >> Damn. >> But Houston is a different place. Different kind of people. Okay. >> Especially coming from a black man like. me. >> Yeah, yeah. >> But yes. >> I don't know what you said, but yeah. >> [laughter]. >> He said that. we were arguing too much. There's no. communi- communication and that I'm.

always angry and so he wanted somebody. to be emotionally there for him and make. it a safe space for him. >> So you wanted to get cuddled and. coddled? Oh, Boston. So you went to a. cuddle coddler? >> I wouldn't say cuddle coddler, but just. just cuddle and stable. Did that make. sense? >> And your cheater did that? >> Yeah, by all means. >> So. >> I taught him how to drive, by the way. So. >> Okay. >> I so I felt like you know.

>> great. >> So in other words, when she got with me, I didn't have anything like anything. asset wise or anything to my name to. actually help progress. >> You're on financial audit. >> Do you today? >> Yeah. No. >> What what the Can we talk about? Sounds. like she dragged you down or you dragged. her down. Who even knows? So okay, the. cheating. When did it happen? >> So it happened. >> pregnant yet? >> We didn't know. >> Uh. but you were pregnant? >> Yes, I was. >> pregnant when he was cheating? >> It was Christmas day. >> Oh, you cheated on Christmas day?

>> out. >> Yeah, cuz my birthday was. >> And you cheated on his birthday, the. 23rd. >> Yeah, my birthday was two days before. >> Okay. I guess if there's a day two. If there's a day two of which there is. not. Okay. >> Okay, well. >> found out on Christmas. >> I found out on Christmas because he went. out to walk the dog. He never really. >> dog, pitbull? >> Mhm. >> Pitbull terrier, it it makes it's her. dog. It's her dog. >> It's my dog. Dang, you say you're not. racist? You literally play into the. stereotype. >> See, I just asked a question. You.

answered the racist answer. >> [laughter]. >> I just asked. Or asked. Asked. >> So, I uh while he was out walking, he. has never left his phone and I kind of. had dreams that he was cheating and I. was cleaning. >> can't get my steps in on my on my health. app? Well, first of all, my phone's with me. everywhere. That doesn't mean there's. like something bad on my phone. I just have my phone on me. That's. pretty normal.

>> I didn't think of anything about it, but. I did have dreams and I was cleaning and. the phone literally popped up. >> What they say about dreams? >> Oh my gosh. No. >> What they they paying for a dream or the. dream seems seems to be real whatever. they they investigate, go deep into it. and probably it try to proclaim that the. dream might be real. >> But it was real. >> they say about dreams? >> Oh I don't know. >> Okay, so I'm still trying to figure that. out. >> dreamt it and it was real. >> Okay, well that was a coincidence. It's. a [ __ ] dream. >> Oh my gosh. Well,

>> But yeah, so it did happen. So you. dreamt this all while happening. He was. out walking the pitbull. >> walking the dog and. pitbull and he. he left his phone. Uh I was cleaning. I don't know how the. as I looked at his phone, I didn't even. look. I wasn't scrolling. I just looked. at his phone charging and it message. came up. And I don't know what, how, I just. looked into it. I've never previously. looked at his phone, ever. Never looked.

through his messages, ever. And this one. time I would just. was look I looked. And. I saw all the messages, all the pictures. they sent to each other. >> Oh. Drowning in student loans with. massive interest rates? I see it on the. show all the time. People get a loan to. advance their careers only to be left. with sky-high interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your.

private loans and they looked at your. less-than-perfect credit score and hung. up the phone. Maybe part of you even. thought, "Yeah, that tracks. I guess I'm. stuck." Stop it. You don't deserve to be. buried in a high-interest loan for the. rest of your life because you hit a. rough patch. aren't rejecting you. because you're a lost cause. They're. rejecting you because you're not. profitable enough for them at a. manageable rate. That's where Why Refi. comes in. Why Refi works specifically. with borrowers who can't get refinancing. through traditional lenders. It's their. whole thing. They refinance private. student loans so you're only paying. interest between 0.1% and a 5.99% and.

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Break free from the high-interest trap. and get your finances under control once. and for all. People on the show blame. the economy or the government for their. money mistakes all the time. And look, some of it is real. Inflation hit people. hard, housing is a disaster, and wages. haven't kept up. So, I get it. But, here's the problem. Most of what people. know about the economy, about policy, about what's actually happening with. their money, they got from news sources. with a massive agenda. Left or right, it. doesn't matter. They're not telling you.

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truth on the stories that matter to you. free from manipulation, bias, or agenda. Because the first step to fixing your. money is understanding the world your. money actually lives in. Welcome back to. trustworthy journalism. >> It was just pictures and messages. I. ain't going to physically see the girl. >> Pictures are so cheating, my friend. >> He went to deliver this pizza, supposedly, uh cuz he was working pizza. So, he was supposed he said. >> That was my practice run. That was my. practice run as me trying to be a. delivery man. >> No, that.

>> So, >> Party. >> [laughter]. [snorts]. >> Okay. >> Cuz I was never they never sent. I I always was stuck on the inside as. assistant manager. So, they So, when. they we were short on drivers, they. asked. >> So, you delivered to her specifically, only? >> Yeah, that was that was the first order. >> Are you telling me you never [ __ ]. >> No. >> What? May as well at that point. >> I thought so. I thought I thought about. I thought about that school. >> up? Why were you going to go see her?

>> Yeah, you don't meet someone you get. nudes from and send nudes to and you. don't That's just not That's just that. What? That's Come on. >> No. No. >> I mean, come on. >> And he's like, "Were you going to. cheat?" He's like, "No." Dude, >> Well, you did. If you're sending nudes. and you're getting nudes, that is. cheating. Unless again, you guys are. okay with it, but like exactly, that. wasn't. Here's the thing. Listen, um cheating. not good. not in favor of that. Don't do. that. But. >> What's the butt? >> Why the. Why are you just allowing messages to.

fly through? You're the worst cheater. I've ever met. >> Hey, that's how you know I was new to it. cuz. >> New to it, no. You're. >> Hey. >> Body, you're letting messages pop up? What are you doing? >> It went from. Snapchat to messages on iPhone. I'm like, "Oh, so was it getting. serious? Did you have feelings for her?". >> And you were pregnant when you found. out. >> I found out that I was pregnant 2 weeks.

after we had this. >> Okay, so what happened when you found. out he was cheating? >> I lost it. I I'm very quiet like. >> And I. >> quiet in the sense that I don't like my. drama up there. >> was I excuse my I I removed myself from. the situation and been gone from the. from the space that she was in for like. what, 3 4 days? >> Yeah, well, that's just you running. >> [laughter]. >> away. >> literally instead of talking to me. >> away, but I was. >> He literally went to his mom's and did.

not answer my messages. I wanted to talk. about it. And basically I was so upset. to the. >> you. run away if she wanted to talk about it? Dude, she finds out you're cheating, your wife, pregnant not known yet, and. you leave? >> Beyoncé at the moment. >> 4 days, yeah. >> Oh my goodness, you were engaged. >> Yeah. >> We were. >> That's crazy. Yes, 4 days you left. She. wanted to talk about it. >> He did not answer my phone. He blocked. me for a while. >> You blocked [screaming] her? What was. your intent here? >> Say give her the space I needed. I gave.

her space that she needed. I gave her. space for me. >> You blocked her. >> Yes. >> Yes. >> She can She can figure out what she. needs. And I'd be I'd be scared of a big. Latina as well. >> No, I wasn't scared. >> You blocked her and left. What the. hell's wrong with you? Give her space. Okay, 4 days later. >> was me not caring no more. That was me. just trying to find a reason try to see. if I can find a reason to care. >> Oh, you were done. >> Yeah, I was done. >> Well, you were out. Okay, well, that's. different. Okay, he was done.

>> I was done completely out with it. She. called me one good one good time and. asked me just do it just do it for. respect just out of respect. I'm like, all right, I'll give you the respect and. talk to you one last time just see how. where it would go. And eventually that led from a 3-4. almost a 5-hour talk. >> On the phone? >> No, in person. >> So, you guys met up after 4 days. >> Mhm. >> And that conversation. >> cuz we were living together. So, he went. back to the apartment after those 4. days. >> And that conversation? >> Was nothing but yelling, mhm, crying,

yelling, like hurtful words. >> trying to get out of like our whatever. we've been keeping up from each other. for some months or some years in that. moment. >> We just let it all out. Like, this is. how we feel about each other. >> But, you're still considering that this. won't last a lifetime. Like, you're. actively saying that. You're both saying. that that if you didn't have kids. together, you wouldn't be together. And you're. still considering divorce. You've told. Colton specifically. And honestly, I. mean, and then you told Colton she.

basically forced you into the marriage. So, it's like it's. has anything even changed? Honestly, zero confidence that no one's cheating. on each other since. >> Mhm. Yeah, no. >> Oh, see? She she has no confidence that. that hasn't happened. I mean, you guys don't love each other. You're with each other for the I'm sure. there's a little bit of love in there, some kind of love. But, like if you're. considering living together, you don't. want to be together. You're forced into. a marriage. One of you has a Come on, at. least texted someone at this point in. the last couple of years. There's no. way. And if not both of you.

Yeah, there we go. That response says. everything I need to know from both of. you. We can admit it. You've texted someone, come on. Of course. And you? >> Of course. >> Of course. There you go. >> But as But as far as the. >> I actually haven't. >> In the last 2 years, there's no way. Well, he admitted he has. So, there you. go. You heard it here. >> Cuz I refused to tell other people that. we were having marriage problems, so I. was like. >> Well, good thing you came on and told.

millions of people. >> I know. Now I'm so funny. Ha ha. >> I don't think it's funny, but. >> Well, it's not, especially if you keep. texting people, guys. >> Sometimes we can't see I don't know. about how to. >> a girl? How do you find them? >> No, we're not texting like. >> Oh, he is. He said he is. >> No, not other people. I'm texting my. homeboy. >> Friends. >> My my homeboys my friends. >> Not even. >> Homeboys? I specifically said girls and. you admitted to it until she said she.

didn't and now you're saying your. homeboys. >> Yeah. Mhm. >> Okay. And what happens because she has put an. ultimatum Not necessarily an ultimatum, but a timeline. She says in July, she's. just quitting her job. Come July. That's 2 months from now. What are we going to do? If you don't. even basically want to be there, why the. would he work extra hours? >> It's for the kids. She wants me. >> for the kids. >> Yeah, she wants me to make all the money. for the kids and I'm trying In me, this. is just the stereotype of my area. I'm.

just trying to avoid child support cuz. you I don't know how heavy that that. kind of is. >> Wow. >> Yeah. >> That's how he felt. >> How does this feel to hear? This is. insane. >> Wow, yeah. >> Yeah, I don't hear [ __ ] like this on the. show. This is crazy and I thank you for. being honest, by the way. That's. incredible. You're a beautiful man. What. the. How does that feel to hear? That's. crazy. >> I I should not appreciate that. I just. I wish you would have been more open.

about this, you know, before we had our. second baby, you know. >> know why I didn't have anything. You. should know known weren't ready to have. kids, especially for the first one. >> Well, it happened. And we didn't know it would happen cuz. supposedly I wasn't I couldn't have. babies, so. >> Every. time That's every time on the show. So, why have the second one then? >> Cuz we were better We're. >> We were doing. Things were good We were getting better. and then at that time. >> First year, okay. >> Yeah. But at that time when the second.

time second child did happen when when. he was conceived, it was the time where. everything was good at the product It. was like the uh It felt like a. honeymoon. >> yeah. >> So. >> Even though we've been together for like. 6 years, it felt like we were still in a. honeymoon stage. >> Yeah, it's like a fresh start again. >> Mhm. >> But there's not going to be another one. of those unless you have like another. kid, but please don't. >> No, no. >> Thanks. Cuz you guys aren't even like wanting to. be together. So, it's literally only the. kids and [clears throat] the lack of. child support.

So, child support and the kids is why. he's there. Why are you staying? >> I mean, I love the man. I do. >> No, I I again, I said there's probably. some love here, but you've told Colton. you specifically like. I've considered divorce don't even if if. it was for the kids. Is it just the. kids? >> We both kind of have. >> Hm? >> I said we both have. >> Have what? >> Considered divorce. >> divorce. >> Oh, yeah. No. >> Yeah. Yeah. >> But he keeps saying that there we. shouldn't we shouldn't. So, I don't. understand why he's telling you.

something and he's telling me something. else. It's like he's telling you oh, yeah, no, no more. And then he's telling. me but we should try. We should need we. need to change. We need to work on this. >> I'm saying that for the kids, not saying. it for me and her. It's It's for the. kids. I want the kids to see a better. example out of their parents, not just. to see them bicker and fight over. washing dishes, over. >> you guys fight every single day, I don't. really understand you guys don't even. want to be there. What the hell are we. doing? Like what am I doing? Like yes, I.

can look at the finances of the. household and we do something, but if. there's no future, I just don't really. understand it. And I know your parents. were vehemently against even being with. him anyway, right? >> My mom was at first. >> for different communications, different. backgrounds, black. >> Yeah. >> Okay. So, >> Black is a curse or black is a privilege. in some areas. >> Sure, I okay. >> But the thing is, this is like. >> What the Okay, what are we going to do? What can we do? I can't fix a entire.

Well, I can't fix us wanting to be. together or not. This is like that's. brutal at that point. >> Well, the big issue is the finances. >> down to the sex lives, if we're. sex lives, if we're bickering down to. the dishes, if we're if we don't want to. be with each other for many different. reasons, and we're only there because of. like child support, it's scary. Finances. are going to solve Well, it sounds like. a sliver of the overall issues here. It really does. >> I don't I don't think so. I don't think.

so. I think that by fixing this. financials, I think I won't be. >> You. >> as stressed. >> Jonathan? You. You know why it fixes the. stress for you? Because you want to sit. your ass at home. That's why. When the finances are good, >> get the bill call the bill collector. calls on a daily. >> makes the income so that they they can. be paid. >> too now. >> Now, but you're quitting in a month and. a half, no matter what. Okay? >> So, now I.

So, now I'm put in a position to where I. got to look for another job and not. worry about things. >> was looking for a job, that he's been. applying. I don't think so. I think he. applied once. >> have to? It's I'm sorry, it's modern-day. society. You don't necessarily get to. stay home if you want to. If we're both like lower-skilled, lower-income, you don't get that. privilege. That's just the reality of the. situation. We got mouths to feed, we got. a roof to keep over the head. You got to. work. That's reality. >> Well, I told him I was like.

I can help I can work until you need me. to, but honestly, I really want to take. care of the kids. I want to be there. >> I get that. Who's taking care of the. kids now that you're working? >> My mom. >> That's fine. That happened to me. I. turned out okay. At least, okay? Relatively. >> No. I mean. >> very very overprotective about who. watches the kids. >> And your mother's not good enough? >> My mom is is just that I.

>> the issue, dude? You have to pay the. bills. >> kids. >> Yeah, and I'm sure a reasonable amount, better than daycare. >> That's true, but. >> Well, there you go. You're fine. Go. work. Both of you should probably work. 60 hours a week each, pay off the debt, and then we can consider things. How can. you consider quitting your job before he. has the second job lined up, and even. more importantly, before we have an. emergency fund, and even more. importantly, before we have all the bad. debt paid off? How can you even consider. that? That's so selfish. That's so. selfish with your mother being there. If. there was no one else to take care of.

your kid, I wouldn't say it's selfish, cuz you got to take care of the kid, but. if the mother's there, you have to put. your household first, and make sure you. have a safety net of an emergency fund, and getting out of this debt first. If. not, then you're just being selfish cuz. you want to be home. >> But it's been 6 years of the same thing. >> two two two-year-old kid is the oldest. we have. Shut up. >> we've been together for 6 years. >> Okay, of the same thing what? >> Of the same We've been in debt since we. got together. >> Her mindset has been mainly. since getting with me has been more.

focused on trying to fix the debt that. we already that I I. >> For 6 years? >> that I have so I have signed up to and. stuff like that. I have signed up to. >> It was my It's my debt. >> Well, what the [ __ ] is wrong with you? If it's your fault, why'd I ask that. question? I didn't even know. I don't. know whose debt is whose. K? I didn't. even know. So, if it's your fault, and. it's your problem, we've been dealing. with this for 6 years. You have. You have. >> And I'm just co-signing and going along. with it as. >> Why would you? Why would you enable? Why. would you support this? >> Cuz I love her.

I want to make sure. >> Love her enough to co-sign, not love. enough to stick around though. Just don't understand. Not love enough to not cheat and text. other people. >> It's a different kind of love. A different kind of love that's out. there. >> He just wants to bust, okay? >> That's. what happens. >> No, it's not the it's not the fact I. want to bust, it's the fact that I want. to feel comfortable. I want to be able. to know for a fact I'm in a good place. without. >> do you find with these other women then?

>> I want to say a small little sense of a. sense of security and reassurance that I. was hoping to ask from her. >> Well, what do they do that gives you. that? >> Nothing. Same new. >> Quiet. This is him. >> I'mma say. ask me how I'm doing. How my day is. Or. what's you going on your head. How can I. help you? You need Have you ate? Do you need. anything? Stuff like just small stuff. like that. And then I feel like I had to. come to her and beg her for it. >> And does she still? >> She got She's a slightly better, but.

it's it needs a little bit more. improvement. >> Why don't you step up on that regard? That's not your natural love language, but it's his. >> It's Yeah, it's hard. >> takes a little bit of effort. It's not. something biological within you. You're. able to just do it as a as a courtesy. >> It's Well, it's difficult because when I. ask him, "Hey, how was your day?" Same. old. Or Hey. >> he just wants to be asked. Who cares. what his answer is? >> Well, I don't. >> You have your own needs that he want him.

to provide, and he has this. Who cares. what his response is? That's what he's. asking for. What are you asking him for? And is he delivering? >> Uh not all the time delivering. >> What are you asking for that he's not. delivering? >> This is the What security? This. >> Financial, you're the one going into. debt. >> I just want to be able to. >> Secure financially or secure. emotionally? >> That's That's what I asked. It's the. main thing I ask from him. That's really. it. All I ask is to be financially. secure because I'm.

>> But you're the one going into debt. So. what That's how is that even fair to put. on him? >> But this is why we need. >> go further into debt. You need to make. more money to pay it off and then I'm. going to go further into debt. Hey, but. I want to be financially secure. What. does that make sense? I can't vibe with. yours as much as I can vibe with his. What does that make sense? >> Well, the debt I told him about this. debt before we even got to you know, agreed to get in together. >> explained It wasn't explained thoroughly. as much as now. She would only tell me, "Oh, I'm in debt. I'm trying to get make. sure I get all my stuff together because. I just. >> always me, me.

>> in 6 years. I don't care. What about. since then? Since then, the debt we've gone in, the. debt he's co-signed for. You're begging. him for financial security, but you're. getting him to co-sign on debt that you. make worse. >> Well, we needed a. car. >> can you beg him for financial security? How? Please define what that would look. like. >> Because when I was a stay-at-home mom. and he did give me that sense of. security, I was. I was so much I was improving in in in. all senses of you know,

>> How were you improving? Just cuz you got. what you want, you were happier? Like. yeah, we all are happier when we get. what we want. Life isn't always like. that. >> was more emotional like I was more. emotionally available. I was more. available. >> Available? >> Yeah, because I'm just so I feel like. I'm in the struggle bus. >> come and to make herself available. and to. accommodate to what I actually need and. want. >> Yeah, when we work, we have to give a. little extra energy after work. >> We just have to. >> Well, I Sometimes I don't ask him.

because it's irritating. It's just. irritating sometimes because he's just. >> irritating to ask me how I'm doing? Irritating to ask me about my what's up. with me? >> answer. It's just. >> Doesn't it matter though? That's what. he's asking for, right? >> that, but it I'm like, "What am I. supposed. >> Okay, well express express how you feel. to him. >> You would tell me the same thing so what. am I supposed to be like oh. What am I supposed to say that? I don't. know what am I supposed to say is the. same thing. What what can I say to make you feel. better? There's just no way there's like. you ask me to these things but you don't.

give me the solutions. I'm like when I. ask you for something I do give you like. I'm like this is a solution that could. be. This is another solution that could. be but you just tell me I want this. Okay, how do how can I do that better? You're just like. Okay, well. >> Well, that's. it all comes down to. how you look at the situation about like. especially how I'm trying to tell you. I. understand I won't tell you everything. as verbatim how you want it to be like I. won't come through with a whole detailed. story about oh such such did that I did.

this that and the third. I don't I don't. I'm not built to come with. detailed stories like that. I'm going to. just put it all simple and point blank. >> It's irritating sometimes. >> Here's the thing you just shut him down. Maybe his point's not right but you just. interrupted and shut down. It's not a. productive If that's how every. conversation goes then maybe I. understand why he walks away. >> Well, I feel like I don't shut down. I. feel like I. >> You shut him down. You just did. >> Well. >> Well. >> I disagree but. >> Okay, good one.

Got me. >> I. I took I mean I don't I don't know what. he wants. I don't understand. I like I. asked. But. >> Express what you want then. What's. different? Express what you want that is. different. Specifically. Two for. >> Let him try. [ __ ]. >> it patience? That's mainly the main thing I asked for. is like I said patience cuz when I first. proposed to her. cuz the moment I proposed to her I was. it was a I was put into ultimatum to.

choose. So my mom was going to Flo move. to Florida I was staying with my mom at. that time. So she asked me if I wanted. to come with her or did I want to do. something else. And I was like, what, 19, 20 at the time? So, I didn't really. have much of a. I guess I guided as I guided principle. guided, you know, any guidance on how to. go about that situation. So, I asked her so I could. >> proposal, too. Just an FYI, the proposal, it was literally in the.

bedroom. >> are such a The thing is, I was kind of. against what he was saying right there. I was listening. I'm like, what the [ __ ]. is this guy saying? What is he saying? And then you just interrupt him with. even worse [ __ ] behavior. It's like, what? I'm against both of you. Like, what what the [ __ ] Yeah, cho-. choose the woman over your mother. I'm. sorry. You're not going to live with. your mom forever. >> You're right. But as I said, >> your mother. I'm not saying don't love. her, but yeah, okay, 20, fresh out of. juvie. I'm proud of you.

Choose her. Don't live with your mother. in Florida. >> But as I said, so I at that time, when. my mom did move, she came back. So, it. was like yeah, it it would have would. have been kind of pointless. >> you live with your mom where she lives? You're just. >> It was me with her, right? >> I What are we I don't even know what. we're saying. Guys, >> [laughter]. >> what the. is even happening? I don't even. understand. What point are either of you. You hate the proposal? Who cares? Why. did you hate it? >> Maybe I care.

>> It wasn't Basically, there was nobody. to. >> There was no There was no cameras. >> It was in his room. And he. And he just proposed in his room, and I. was just like, >> Oh. Like I said, that's part of the. ultimatum that I really had. I ain't. really planned that much time into. making that proposal. >> Go to go at least go down to a park at a. minimum. In his room. >> it. I hated it, but I was like, I love. him. I We can make this work.

But yeah, I still kind of kind of hate. that still, to be honest. It's still I'm. just like I wish we could. >> get over it. It is what it is. You hated. it. You hated it. You hated it. But, like, you hated the proposal, but you're. still here right now. Well, I think we. both understand we all understand why. It's the kids at this point. Yes, there's love, but I think we're we've. already to separate. even with that, but we won't because of. the kids, which is sad. Sad for the. kids. Um. Mayan, next time you propose.

>> Next time you propose. >> your home. And if you guys leave, I don't know. But, all I'm saying is, yeah, bad. proposal. Also, like, 3 years ago, get. over it. Like, what what are we doing? Where Why. are you. locked onto that? Who cares? >> Cuz I don't have I don't have pictures. to show my kids. >> She wants She wants a memorable moment. >> and it was your. proposal. >> Make new memories. That's already done. >> to work towards it, but. >> Are you? You keep going into that. You. are not. >> Yes.

Cuz you keep opening that. >> That I'm a part of. >> But, I talked to him about it. Obviously, if you don't agree. >> have said no. He could have. >> If you don't agree, he could have said. no, but he just. >> do anything if he doesn't say no. You're incapable. I just launched a. brand new Hammer Elite app available on. every major platform. You'll get three. exclusive dedicated shows every single. day, Monday through Saturday. And to. celebrate the app launch, I'm offering. 30% off the annual plan in the month of.

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join, and that's a promise. >> If you or your child spent years growing. up on social media and experienced. serious mental health struggles, you. should hear this. Recently, a jury. ordered Meta and YouTube to pay millions. for their role in designing and. promoting addictive platforms. They knew. their apps could contribute to anxiety, depression, and body image issues, but. did not share those risks while. prioritizing profits. The recent. historic verdict underscores the. consequences of those decisions. Now,

Morgan and Morgan is stepping up to hold. these platforms accountable for the harm. they caused. >> Click the link in my bio to take a short. quiz. You may be entitled to a potential. recovery of over $1,000. >> Do you smoke that much weed? You're that. out of your mind? I know you spend a. [ __ ] ton on weed. You're that gone that. you need someone else to say no, or else. you can't consent to you opening a debt? Yeah, blazed every day? >> doing? We're married. So, we're supposed. to talk about it, don't we? So, I don't.

understand. >> conversations are nice, but you can't. have an opinion unless he says. something. You can't have self-control. unless he says something and brings out. the belt. >> the new all the new dip is about. what's for the house. Like, it's not. >> You still have agency. You're allowed to. have the no opinion even if he has the. yes opinion. You know that, right? Do you? Apparently [clears throat] not. What do you guys think your household. financial score is? Zero to 10. Zero. being the absolute worst, 10 being the.

absolute best. >> Zero. >> Three. >> Maybe. I mean, I. >> Three. >> doubt it, but. Why do you think it's a three? >> You said 10 being the best? >> 10 being the best you can ever imagine. >> I'm going to say three. The only reason. I said three cuz it's. it's slowly but surely get getting. adjusted into making the changes that we. need to need to make, but. >> That's. >> Oh, lord. >> Let's let's uh answer a basic question. then. Okay, so we know what comes in is about.

like 6,000 bucks a month. Uh it's kind of what lined up. I mean, okay, we're getting cash advance and a. bunch of [ __ ] I'm not going to count. that. But what went out? What was your. outflow? >> More than what we make. Yeah. >> I'mma say about good 1.5 times what we. make. >> Oh god. >> About 9,500? >> 9,500 over? >> 9,500 was the total. >> Like in a month? That's what we spent? 9,500 in a month?

>> Yeah. >> You sure that's right? Cuz I don't think. that's right. >> That's That's That's numbers. >> If you want to figure out your Hammer. Financial Score, make sure you go to. CalebHammer.com, take the assessment. It. is free. See where you stand in the. world of money. It's free, it takes a. few minutes. See where you're doing. poorly, where you're doing great, and. how to get great from your bad position. if you are. And if you don't want to be. in that bad position for long, like the. guest on this show, make sure you. download the Dollar Aisle budgeting app. There's a free trial to see if you like. it, and most people take the annual. version after the free trial because it. saves a lot of money, and you get my.

personal 30-day detailed meal plan that. breaks out every snack, every meal, every recipe, everything you have to do, and it comes with the digital cookbook. as well, so that you can budget your. meals effectively. No more excuses. I. will sign it and mail it directly to. you. There you go. >> I thought you canceled those. >> The cookbook. The cookbook. Now there's. a digital version of the cookbook that. comes with the 30-day meal plan. >> Oh, okay, okay. Cuz I tried to get your. cookbook, but as you can see, apparently. $9,000 out is crazy. >> Yeah, I think your cookbook is a little. bit outside our budget.

>> Well, I mean, it came with the annual. version of the budgeting app, and the. budgeting app would have saved Yeah, but. it would have saved you hundreds a. month, so actually you would have. But. either way, who has Credit One? I need to know what's. um. co-signed, what's who's on what. All that kind of stuff. Who's on Credit. One? >> Me. >> Just you. >> Just me. >> He's not on it. Okay. >> He used to be on the old Credit One. >> Well, Credit One's like the worst of the. worst of the worst of the worst. It. doesn't get much better than this. >> Yeah. >> So, tell me tell me what's going on with. Credit One.

>> So, the old account I overdrafted so. much and. >> Why? >> Cuz we were obviously living above our. means as you can see. >> Doing what? >> Well, back in the day. we used to yes, back in 2023 or. whatever. >> And I know you're calorically excited. >> But. >> Mhm. >> I we used to spend a lot of money on. weed. >> Oh, like you don't now. Come on, $22 in. Shipley Donuts immediately right there. Blazed out of your [ __ ] mind. I know.

that's what you're doing. >> The donuts is for it's for the family. It's not where this is for her or me. It's for her mom to who helps out with. the kids. >> Yes, it is. >> It doesn't for the family. It doesn't. for you. I got it. >> Okay. Shipley's. >> Good. Houston-based. I love me a. Shipley. >> Yeah, you never you never been to. Shipley's? >> I just said I like it. >> Hey. >> Um well, we would spend so much money. like.

uh. and we didn't have money. >> and then going out to eat. Yes. Yes. >> Yes, we did. But in order to. um. you know, pay for other things, I would. use my credit card like sometimes gas, stuff like that in my credit card, even. food, even food. Um and it was to the point that I just. couldn't keep up with it. >> Even food. Yes, that's what we were. spending on, right? That's what we were. Yeah, you spent almost a thousand bucks.

going out to eat last month. Shut the. [ __ ] up. That's what you were were. That's what you are. That's what you. are. What do you mean were? Were? [screaming] You don't You were. You are. And you will. That's what you do now. >> When you don't have time to cook, this. is what you do. >> Oh, cough. You have time to meal prep, you have time to warm up. Absolutely. >> Well, we feel like we're in the trenches. right now with the worst. >> Trenches? You both work 40 hours a week. Shut the [ __ ] up. >> With the work schedule that we have and. the times that we come home.

>> at 7:00. >> That's what both of my parents did who. worked even more hours. And what did we. do? Spaghetti every day. That's what. happens. It's not yummy. It's not great. White people tacos. White white people. tacos super fun. >> Okay, but kids are nowadays picky, so. >> Oh, nowadays? A 2-year-old and. 1-year-old? Shut the [ __ ] up. >> spaghetti. >> They will eat. >> All kids All kids are. born the same. Not all kids have the. same. >> Are they.

No. They will eat. They will figure it. out. Dude, come on. Unless you spoil them and. give them every single little thing they. want. Are they How many do they have? Are they on the iPad? Not at all. They are never on a device. >> no iPad. >> Thank. Well, I don't understand how you guys. >> I have kids, so I don't want that. So. I. I would yeah. I watch I'm an iPad kid, so I don't want that. And then break the. >> food you put 130 bucks on here. It's not.

an emergency fund. This is not an. emergency fund at this Credit One card. that you are now above the balance of. $22.84. above the limit, okay? $522.82. is what you owe on here. Or 84, sorry. With a $30 minimum monthly payment. Takes 2 years to pay off minimums only, but there are fees being added. There. are minimum. Minimum interest being added. >> I didn't know anything about. >> what Credit One is. It's just endless. fees fees fees fees fees fees fees fees. fees fees fees forever.

>> I didn't know until watching your show. about Credit One how bad it was. >> It's bad. >> Yeah. Yeah, I no idea either. >> Why? Why? Why Why were we putting donuts. on a credit card that has a growing. interest that we cannot pay off? Just. alone. Just alone that concept. Why? Please, anyone. >> Cuz. >> That's $20 that that we don't have to. spend. >> And what was your plan here? What that. is you spend? >> Well, it's not our money that we we have. to pay back, but it's not coming out of.

our pocket. >> Then, you know. >> At that exact moment, sure. So, what was. our grand plan with this? What were you. thinking every time you do this? What. was our plan in the future? >> Our plan was we'll pay it back. >> How? >> Working. >> Check by check. >> And more hours. >> Overtime the overtime I get from my job. >> You work 40 hours a week. You bring in. 3,000 bucks a month. >> And 9,000 was out. >> And then mind you, well, rent, bills. >> Yes.

>> Necessities that the kids going to need. >> Sure. And which Shipley's is not. >> It's a small little treat for the kids. >> For the kids or for her? Come on. >> Well, it's for the kids and her. So. >> Mhm. >> And don't forget her mom also watches. the kids, so we also got to tend to her. mom and make sure her mom's taken care. of. >> Well, I'm okay with that part cuz that. saves money over over the long term. versus like daycare cuz you're able to. work, okay? So, I'm okay with that part. But Shipley's we don't have to get, okay? Okay, listen. Both of you do need to. make more money. That is true. I'll get. you both Course Careers certifications.

of your choice, either the trades or. into tech. A lot of people in the. audience have used them to either get. new positions at their companies or. better positions outside their. companies, get six-figure jobs. Course. Careers is great. So, I'll get you set. up with those, okay? Convert those into. better paying jobs. You have to. Okay, you have to. It's not the easiest. job market in the world right now, but. we we added a lot of jobs last month. Maybe it's getting better. We'll see. Snap. Snap. Why do you owe to. Snap? Oh, no, it's going to collections.

Oh, wait. No, oh, it's been sold off, but it's still on minimum payment. What. the [ __ ] is going on here? Who has this? What what is going on here? Can someone. educate me? Give me a little education. >> I don't know what that is. >> What the [ __ ] is your document? >> Gotcha. >> Oh, what the mattress did you get? >> This was in my last relationship. So, this is how I got the bed. >> What? So, I'm dealing with something. from your last relationship? >> You Yes. >> to go with this? You guys talked about. being together 6 years. >> this. He just See, this is the thing. >> this petition. I always got to keep.

telling him the same thing over and. over. This is a small finance that you. kept He's a small finance you kept away. I understand you told me about the. situation itself but it's small. financial things that happen. I'm. dealing with this now. >> Yeah, like 9 years later what the. >> What? >> How? How possibly are you still paying. on this after 9. >> on everything else and never paid what. we owed. >> How like what was this loan? It's a $25. a month loan. Like this will never be. paid off. Never be paid off. This is. crazy. And you still owe $1,940.92.

at a $25 What was this mattress. possibly? Yeah, you got this in 2021. Which that doesn't even add up with the. 6 years by the way. Are you seeing him. overlap? It's 2026 right now, not 7. >> Yeah, but like we got together like so. fast after that relationship. So, maybe. that's. >> What was the mattress that you still owe. $2,000 on with the $25 payment? What was this? >> So, with my ex I was living with him at. that time.

>> that part. Is it like a $30,000. mattress? I want whatever it is. It must. be incredible. >> It it was. It was. >> What was it? >> It's two twins with like you combine as. a. queen or king or whatever. But they're. like you can raise them up or massage or. whatever. It it's it's. >> Massage? >> Yeah, it's like. >> suite. Yeah. >> Like orthopedic. I don't know. Uh but that what and then they included.

supposedly a free 65-in. um TV. But I come I was he was con- the. ex convinced me cuz we were living in. the apartment with an air mattress, his. inflatable air mattress. >> So you have to get a million-dollar. mattress, a super mattress? >> I didn't think anything. I just I was. just so. >> No [ __ ] But you're still paying on it. You were paying on it? >> Yeah, I was. >> ex? >> He I don't know what he's doing with it. I don't I don't know nothing about him. anymore, but this is my portion. No, no,

thank god. >> Well, 25 bucks a month for like ever. Unless who knows what the interest is, if any. I I don't really know. >> I think they closed it, so I don't think. there's interest. >> Yeah, it was closed, so the collections. and now you're on a payment plan with. collections. >> Yeah. >> Like this is [ __ ] crazy, okay? 194. >> Well, this is the first time I got into. a payment plan. I never paid it until. now. I'm just started paying this like.

last month. >> Yeah, okay. So it went to collections, so it may have actually fallen off. relatively soon, but now you're on this, so it's all reset. >> Oh lord. >> Uh 77 months to pay off. It's pretty. brutal. >> Mhm. >> You'll have this for 6 and 1/2 years. 6. and 1/2 years you're going to be paying. on this. >> A mattress I'm not sleeping on. >> The mattress you're not sleeping on. where he used to sleep. >> Oh [gasps] gosh. >> Great. Great. Great. >> Okay, but that's the past, you know?

>> Okay. Kind of, not really. It's right. now. I would actually say it's right. now. Cuz you're paying on it right now. >> At least with my money, at least with. what I work for. >> it is our money where we are together, so we are joint income. You know we. don't we don't have a shared account, but realize we are making money together. in the same relationship, so. >> Why aren't you guys joint? >> Because there's no money. What what what. we're supposed to join join for? There's. negative. >> with no money, be joint with no money. >> It's more or less the the spending that.

can that can come out of that one. account. Then there we'll really be. looking at each other like where where. is it going? What is he doing? And stuff. like that. >> you say all money goes into one account? >> No, it's a if it were if it were. >> Well, why why don't we? Because then we. would have more insights. Again, put it. through Dollarwise with the automated. account connections and insights, you'll. know exactly where it's going. regardless. But with the but at least. with one account, that makes it easier, right? I don't understand. Why not? >> Because again, I just thought it was. unnecessary since there's no money. I. mean, what money we're going to put in. there? The the the rent money? I mean, I.

we already pay that in our separate. accounts. Like we just make sure that we. have it in whoever has that money pays. it off. >> I'm From my point of view, I don't I. don't see no benefits in having a joint. accounts. >> The benefit is again, more insights, more control. You're able to send out. from that bank account. Out. Everything comes in, you know how. much is coming in. It makes more sense. Okay, collections. I'm being told this is yours. So you do.

have that. Apartment. Why do you owe apartment collections? >> We broke a lease. >> Why? Who's we? >> I apartment was planned out in my name. at first cuz this is the apartment that. we moved into when I when I was instead. of me moving in with my mom, I moved in. with her. >> moved out. I don't think you broke it. If you broke it, you would have a little. payment thing that you could make with. them. >> Yeah, so we we didn't. >> You broke it and didn't pay it. >> Yeah, so in the in the process in the. process of us breaking the lease, what. happened with that is we had a car. we had a car. and the the apartment complex has.

parking. It has small parking like small. parking apartment complex and everything. like that. They have a section where you. have guests. and residents. >> Yeah, that's normal. >> And then you have also spots that are. like reserved for people who actually. pay for a spot. Everything everything, even from the guest spots was taken. >> That's normal. That happens, yeah. >> And then they for they put they put me. in a position where I had to park in a. guest spot and then the apartment. complex switched up their parking. situations like four, five times.

>> Okay. >> And then the past two times they didn't. let us know anything. They didn't. They would send like a notice or they. would send like a mass text or anything. like that. The past two times they. didn't do nothing. So. >> bail on your apartment, [ __ ] up your. credit forever, like what? >> car His car got. >> My My car got towed. >> Oh, could be due to the fact that. >> Spin all night. >> That's annoying. So you paid the bill, you get it back, but. >> And then we And then we talked. >> to 600. This is 4,079. Which one's. worse? Like yes, that's annoying. I'm with you. that that's annoying. I got that. >> Well, also we broke it because we were.

literally a month away from giving birth. to our first son. So the apartment. complex refused to change the. um. >> The main. the the maintenance for the apartment. >> So I didn't want my kid to be crawling. in this dirty carpet. >> Crawling in it! Get a carpet cleaner for. like $200 on Thumbtack. >> What? >> use them. They come clean my rugs. And I. have a decently sized house. It's not. that expensive. That $200 will get your.

carpet cleaned or 4,000. Which one's. better? $500 to get your. car untowed or $4,000. Which one's. better? Guys, standing up to the man. just [ __ ] you. >> It did. >> And now I'm I'm guessing your guy's. credit so [ __ ] with his collections. and everything. Good luck moving from. your current place if you need to. Exactly. No, you'll never be able to. Is. your nice Is your new place at least. decent? You like your new place? >> Uh. >> Oh, great. >> the thing. As far as far as the place.

that we're in right now, she that that's. another thing we need to talk about. That was something that I was I was. excluded off from as well. So when in the midst of us trying to get. inside the house, she already had plans. on what the house looked like and. everything like that. She only told. >> house. >> You guys have a house? >> Yeah, that's the house we're renting. >> But you don't like it. >> I don't. >> It's a house. >> I'm going to say it's it's the house. that is a house is a house, but it but. the fact that I was excluded on like. what the house looked like like the the. whole process of us moving into the. house I didn't know nothing until we. actually officially got there.

>> Well, who cares? >> I care. >> I mean yeah, that that's nice, but like. we're just trying to get more space with. the kid I assume. >> Yes. >> Well, even still. >> the dog. >> But you don't even like it and you pay. >> Well, I didn't know when I got there. >> The reason why don't you like it? >> The reason why is because there was no. lease. There's no lease, so if there's. no breaking the lease. >> And then she she like only like it. because it was convenient to stay by her. mom cuz her mom was. five. >> my mom. >> Well, yeah, that's good especially if. she's daycare. >> for the dog. >> That's good, too. What's the issue? >> So, the issue is that it's now kind of.

falling apart. It's there's no. there's no maintenance. >> not on a lease. >> Mhm. >> Isn't that good? >> Yes, that's why I tried to move into an. apartment. And that was not like so we. pay 1,500. >> But you can't cuz no one will. I mean you have to do like a mom and pop. and just explain the situation. But I. mean you're still probably considered. high risk. >> they're still not. >> [clears throat]. >> who would the [ __ ] would rent to you. guys? Absolutely not. >> Uh so. >> Who would? Like look at your credit. It's disgusting. >> set in my thought process I'm like we. paying 1,500.

We can definitely pay $900 apartment and. so that's why I applied. >> That's how it works, girl. No, you. Okay, yeah, so I mean that [ __ ] I mean. makes sense. I don't know. Now it's in collections. and you can't I mean I would. You're going to have to negotiate that. down to like 2,000. I don't necessarily. want to borrow for it. I don't know. But. it's preventing you from moving. Yeah, that's that's going to hurt you longer. term. >> Mhm. It really it really is. It really is. I'm trying. >> Collections money key.

Oh, what's money key? Oh, that sounds. like you. What is it? >> Yes, I was a loan to pay for rent. >> Why? >> Cuz I didn't have We didn't have the. money. >> Yeah, but you could have worked. I know. you weren't, and your mother was there. >> No, this is back in. >> How close was she? >> My mom? 40 minutes. >> Okay, even still, then you drive 40. minutes, drop the kid off, go work your. ass off, and drive 40 minutes. Life has. been great all the time. You have to. make sacrifices. Now you're doing payday. loans that are now in collections.

That's what happens. So, what the. >> Well, I just. I'm just. >> It's only 700 even too. Like, I mean, yes, that that is Don't get me wrong, 700 is an impactful amount of money. You. spent 900 going out to eat last month. You could get this off your credit. Save. that $900 twice, you might be able to. negotiate your apartment collections. down. You guys have an escape path here with. how much you spend. >> So, you're telling this to. >> Honestly, we didn't know we were.

spending that much on. >> No [ __ ]. >> So, you're telling us a maneuver from. fast food to saving. >> Cooking. at home. >> Yeah. Okay, well, we're I still feel. like we're living in the trenches. So, it's like we not. >> Uh here's a So, here's a Here's Here's a. stereotypical black term. So, my. grandmother before she passed, she would. told me She always told us about a. saying called catch as catch can. So, >> What? >> Say it again. >> Catch as catch can. >> Catch as catch can? >> Yes.

>> Okay, yes, explain. >> So, you're in the kitchen. You're the. catcher. You catch what you can. >> Okay, is that bottoming? >> Who? >> Okay, continue. >> No, I So, I was saying so, you're in the. kit- you're in the kitchen. So, you're. hungry. You play you you are the. catcher. So, you in the kitchen, you. catch what you can to you fix. feed yourself. So, you catch as catch can. >> Saying make hot dogs. >> Okay, so essentially, it's a weird way. of saying eat what's at home. >> Pretty much. >> Okay. >> Okay. >> Could have just said that. But, yeah.

Guess we need a saying for everything. >> He preaches that all the time, but he. doesn't follow through. >> a saying, you guys are poor and. fix that. There you go. Follow that saying. That'll get you places. >> Dang. Well, >> or. I think. >> Fix that. Don't forget the fix it part. >> Bob the Builder style, right? >> Yeah, Bob the Builder, yeah. Yeah, yeah, yeah. We love Bob the Builder. Yes, you guys. have kids. That's okay. I was wondering. I was. like, is that what you're watching for. entertainment? It would make sense, but.

[laughter]. >> No, we watch Dragon Tales and Curious. George. >> Okay. >> Yes. >> Good picks. Good picks. I love that. modern slop. I I appreciate it. >> Oh, it sounds like the kids are growing. up in a non-iPad, decent cartoons. I. appreciate that. I really do. Um okay. So, 700. I don't know why. I'm even You could get on a payment plan. for that, but instead you did for the. better of 2,000, but whatever. Owed to. mother. Which mother? Whose mother? I. know we both have mothers. Okay. >> My mother. >> 2,500. Why?

>> Possibly. >> [sighs and gasps]. >> For electricity. >> Good death, woman. >> Yes, they have. >> you haven't borrowed against? And when. you guys both Right now you guys make. $6,000 a month. Like you you make okay. money. Like very livable median. household income money. What is the issue here? And that's net. That's not gross. That's net. Starbucks. is bull and a waste of money, and you. already know that by making your coffee. at home and investing the rest. So, now.

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you were. Absolutely, yes, you were. Yes, you were. Yes, you were. Yes, you. were. Yes, you were. Yes, you were. You. were getting [ __ ] It was displaced. [ __ ] Absolutely. You get Amazon, whatever it is. Absolutely. I know for a. fact, the spending does not get like. this where it was not before. Yeah, that's impossible. >> [snorts]. >> You can't tell me that. You wouldn't be. borrowing money from your mother. 2,500. >> Yeah, well, most of it was for light. bill cuz it did get shut off. So, I didn't want my kids to.

>> bill got shut off? >> So, we I had to. >> What month was it shut off? >> Ooh, maybe. January. >> Of? By this year? No, the next By If not. this year, then last year. >> Last year, I think. >> What? No, no, no. Was it January 25th or. 26th? >> 25th. >> Guys, was it this year or last year? >> [laughter]. >> I don't know. >> Guys, was it 5 months ago or last year? >> Safely, we don't remember. >> Last year. Let's just say last year.

>> No, I need to know exactly I need to. know Search your chat with your mother. I need to know exactly when the. electricity was paid off. Would it be in. your chat history? >> That's a long time. >> I talked to her in front of. face-to-face. >> I want to look at your checking account. during that month, but you can't even. tell. Of course, you're spending money. on [ __ ] Absolutely. No, of course, you were. There's no way you weren't. Now, are you on a payment plan or. anything? Did you have one kid or two kids when it. shut off? >> One. >> One. Yeah, so it was last year.

>> know what month. >> Yeah. So, it was last year. >> period like that the time period. A. little long time ago. >> Was it warm or cold out? >> It was getting hotter again, so it would. have to be like January, February. February, probably. >> I don't know. This is Houston, so maybe. like. it start to get hot like around March, April. >> Oh, good death. Oh, good death. How are you guys going. to just make it in life? What the [ __ ]. are you doing here? What the [ __ ] are. you doing here? >> Living on a living on a dream. >> What do your parents think about your. financial situation currently?

>> Oh, they They're. >> My mom though really doesn't My parents. really don't know much about my finances. or they don't really know much about. what's going on in my own household cuz. I keep that discreetly between us. >> them for. financial. >> 2,500, woman? >> No, he did his mom. >> ask my people I don't ask my parents for. any financial advice cuz. >> Why? Advice? >> In general. Just in general cuz my my my parents. separated when I was 10 months old, 9 10. months old. >> Well, I know. >> And then um. due to that. due to that due from that point on.

uh it was really my dad who walked away. So trying talk go to my dad about the. advice or anything kind of advice at all. is just went left. >> worse situations. Financially. That's fine. That's fine. So. But yeah, that's part of it. And then. >> [sighs]. >> And are you honest to your parents about. your financial situation when you borrow. money from them? Because your dad's up. next. Are you honest? >> Yes. >> Okay, I'm being told specifically no.

So tell me the truth, woman. >> She does know. It's just. >> Parents, cuz you borrowed 2,500 from. your dad as well. >> Yeah. >> Come on. >> They know why I borrowed the money from. them. >> Yes, but your financial situation. overall. Do they know that you're. spending a thousand dollars going out to. eat? >> No. >> two hundred dollars on miscellaneous. [ __ ] instead of paying them back a. single dime. >> Mhm. No, the pet they do not know. >> not. Let's call them in the post show. >> Mhm. >> Yes, absolutely. Yes, I will call them. and I'm telling them how you're spending. your money. Absolutely. I bet she's.

watching the kids right now, isn't she? Uh-huh. >> They don't know. >> to have a nice little chat. Okay. So why'd you borrow 2,500 from. your dad? The English speaking dad. >> Insurance for a car. >> 2,500? >> It's been years. of him. >> What is wrong with you guys? You're 27. It's time to grow the [ __ ] up. There is. nothing wrong with falling onto loving.

family when you face a hard time. But. you're not facing a hard time. You are. spending money you don't have on. [ __ ] you don't need. It is not. improving life. And then you borrow from. them for insurance for years. You borrow. for the lights because you chose fun. over lights because you refuse to work. even though mother can watch. This is. pathetic. You guys make okay money when. you both work, which is what you can do. And yet you borrow from them. continuously and don't pay them back a. single cent. It's pathetic. You should. feel pathetic. You should feel ashamed.

You deserve that feeling. Now you need. to do something with it, but you deserve. that feeling. >> Well, >> of hard to hit me with that feeling cuz. I'm a. No, I don't I don't I say I don't care. too much, but it's uh the. >> You don't care? You have no pride as a. man? >> No, I have pride. It's just haven't hit. me like that yet. >> How is it not right now? Where's the. wake-up call? What could I even say to. you? >> I don't know yet. I'm still trying to. figure that part out. >> No, I think it's just don't give a [ __ ]. then. And then what's the point of any. of this if you don't give a [ __ ] If you.

don't give a [ __ ] you're never going to. take care of her. You're never going to. take care of the kids. You're never. going to sacrifice anything. You're. never going to cut back on spending. You're never going to combine accounts. You're never going to open a budgeting. app. You're never going to educate. yourself. You're never going to have a. hard conversation with her without. running away like a little [ __ ] You're. never going to stop cheating. You're. never going to do anything unless you. man the [ __ ] up and care about the. consequences to the actions that you are. doing. You never going to do anything. Maybe. you shouldn't stay. >> I'm staying regardless. >> What? Even if she wants to leave? >> She wants to leave, that's on her.

>> She can find a copy and paste of you in. Houston like this. >> It's Houston, so I mean. >> Exactly. That's what I'm saying. >> But you. >> A small a small skinny black guy? Yeah, I think she can find him. >> Find him a man Finding versus. maintaining is two different things. >> Well, she can't maintain you. You don't. give a [ __ ]. The only reason you're not gone is. because of child support. You said it. yourself. >> Right. >> Disgusting.

Why do you call Man up. >> that survival. >> Survival? What about survival of your. kids? I'm sorry. I I've had fun goofing and. gooning and whatnot to the you know, like hee hee hee jokes and stuff like. that. But I have to ask. Now just like this is. a man-to-man, you know, not not a racial. thing. Man-to-man though, why don't you want to. be the stereotype that is bad? And and. discuss it. I mean, it's a shitty. stereotype. It is. It sucks that it.

exists. It does. We can joke about it. We can have fun. Cuz we joke about all stereotypes here. It's it's it's the fun of the show. But why why would you not want to crush. that stereotype in like a reality? With. everything you just said, you not caring. and you not leaving just out of fear for. having to give a little bit of money, why not crush that? Why not try to be a. pillar of your community and try to make. life better. and look better and be better. >> And at what time was it for for to build.

the experience to make sure that it gets. to gets to a point like that, right? >> Huh? >> You you had to build the experience to. over time to get to a point like that, right? >> said you don't care. You told me you. don't care. >> No, the wake-up call hasn't hit me yet. I didn't say. >> Then what? What can she do then? If she hears that, what the [ __ ] do you expect from her? >> I don't. >> At that point she should leave. I don't want I don't want I don't want. love to break up or a kid to not have a.

father. But at that point she should. leave. If the guy next to her says he. doesn't care, that's it. That's has been a pathetic excuse for a. man. If you don't care, if you don't have a wake-up call, you. still got to put in the effort. regardless to step up for the household. and for your community. >> to work, yeah? >> You go to work, but you just told me you. don't care. >> If I didn't care, I wouldn't be working. at all. But I care to I I I care about I. don't. >> 40 hours. I mean, you're doing kind of. the basic minimum requirement.

Like you'd be doing the same even if. you're on your own so you can pay for. your own bills. >> But I wouldn't be it wouldn't be as much. of debt involved. >> Yeah, it wouldn't be as annoying at. home. Yes. I don't know. That's really. disappointing, man. That's really disappointing. So. disappointing. That you even owe to your dad's friend. $7,000 to your dad's friend? If that. isn't a wake-up call for how pathetic.

this household is, I don't know what. else could be. >> [sighs and gasps]. >> Well, we needed a car. We needed a car. So. because we were down to one car and it. was a beat-up car and it gave up uh it. gave up us it gave up on us. Um so we had zero cars. >> that I would receive the cars that I. would be given it would always be broke. down or. be wrecked. And I think right now we're on our I.

think I'm on my my third car. >> Yeah, so happens when we're getting. cheap beaters. This is going to be even. worse over time. So we want to get a. $10,000 car at a minimum that is. approved by multiple mechanics before. you leave. So uh how are you are you. paying on this? To the dad's friend? Of. course not. Why would we? What a joke. So what is So does this car still exist. today? This one? What is it? >> It's a 20 s-. >> 2017 Buick Encore. >> Buick and it's broken down. >> It just so I asked if it's being driven.

to. >> It broke down literally. >> So right now. >> drove to drive to get over here. >> My car. >> Okay, so how are you getting places? >> I would take my I have my dad cuz my dad. work with my dad. I have my aunt work. with my homeboy. I have them take me. from from work and take me home. >> Why don't we do that? Instead just and. just save up for a car. >> want to be cuz he said that his dad it's. he feels like he's a bother. He don't. want to. >> Yeah, you are. But you're a bother of. your household now. You're a bother of. her dad's friend.

You're a bother of your dad. It's okay. >> him this. I was like I was like I'm. willing Look, I'm willing to take you to. work at 5:00 at 4:00 in the morning. >> go. She's even willing What the [ __ ] is. wrong with you? >> that's too much and. >> I'm bleeping it. What's your address? >> 4500. >> goodness. You guys don't even barely. live that far out of the city. I. guarantee you could you can find a bus. nearby. Okay, what's the address for. your work? You can bike there.

>> Yeah, it's 18 20 minutes, right? Yeah. >> Oh, you little [ __ ]. Yeah, it's going to be a little bit more. of a bike but like a motorized bike or a. [ __ ] moped, man. Moped. You know. what? It's two turns. Two turns. Boop. Boop. Uh-oh, sorry. Okay, one turn, two turn. and you're there. That's all it is. It's. a straight shot. It's a straight shot. Airport to Scott.

to the street you work on. What is wrong with you? Borrowing money. for this. car. I mean, it's a it would be a brutal. walk. I'm not suggesting doing the walk, especially in Houston. Good luck. >> And then I. >> All right, the bike ride I mean, yeah, it's going to take you like 30 minutes. but I I bet Let me see. Okay, public transportation No, it. actually they it can't find a way there. cuz it's Houston. It's pathetic. But you. can moped. You can get a moped that's. not going to break down and I know rains. a lot in Houston. Get a little rain. coat. I know, it's not perfect but. looking what you're having to do. Look.

at what you're having to do. If you're. not willing to sacrifice any I. Okay. So, what are we going to do with the car. that's broken down, the Buick? >> Between trying to work or make a way to. try to fix it or give it up. Just give. it up. >> much is it going to cost? >> To fix it? >> To fix it uh. >> You got a quote? >> Yeah, so parts is like 393. Uh labor is. >> So, 900 and something. >> 984 total. >> Guys, you spent that going out to eat.

Okay, your mom's friend. You borrowed. 3,000 You guys are pathetic. This is the. most pathetic borrowing I've ever. witnessed. What do you owe to your mom's friend? What is the mom? >> That was a down payment for the car. >> Oh, good debt. So, down payment from. mom's friend. was given to dad's friend for the car. that you borrowed 7,000 from dad's. friend. >> And still owe her money. >> Are you paying her?

I really hope. >> We're working on it. >> Either you're doing it or you're not. So, shut the [ __ ] up. I really hope. I pray. that your kids watch this at 15 or 16 or. 17 and they see that their parents. improved. And this is where they came. from. Cuz it'll give them a good kick in. the ass for their life. See how. their parents were and that they made it. work because they sacrificed a little. >> Yeah.

>> But if they watch this. >> And it's still. >> 16 or 17 and it's just as bad if not. worse, they should be ashamed. >> Mhm. >> No, that's what I was more or less. saying accept this from me. >> Sorry. >> Yeah, you should cry about that. You. should. Yeah, you're being a shitty parent. Yes, you are. Financially, yes. You are. Financially, yes. Not. necessarily morally. >> I hate borrowing. I hate I hate owing. people. >> Do you? Cuz you do it every 5 seconds of. your life. Like, I would cry with you if.

it wasn't proven again. >> Like, I don't think you guys are. necessarily morally bad people or the. cheating and so on. >> [laughter]. >> But. >> That's crazy. >> Um, like, I don't You know, you don't. beat each other. Right? >> No, no, no. No. >> Okay. >> I went through the drive-thru. >> I can't define you as an overall bad. people, but as far as on the show yes. you are. You are but you don't have to. be forever. Right now doesn't define. your entire future and the past doesn't. define right now. What happens in the. future is up to you. But you don't give. a you don't have a wake up call and you. just keep borrowing and sacrifice.

nothing. You just want to eat. To the landlord, to your current. landlord that you don't even have a. contract for? You owe 1500 for what? >> That's the rent but we already paid half. of it. >> Okay, so it's 750 but you still owe. monthly on top of that, right? >> Just this month. It's just this month. that we owe. >> Okay. >> Mhm. >> And then next month what? You don't owe. rent next month? >> Yeah, so we're late again. So we're. always late on rent. >> Oh good death. Good death. Yet okay, how can you be. late on rent and still go out to eat?

That makes no sense to me. You owe a. parent okay, you're just being a selfish. dick but. what the. you you're late on rent and you're going. out to eat? That's insane. Yeah, why not? Student loans passed. through, for sure. Are these federal? >> I believe so. >> Oh, you're going to get garnished. If they're passed through they're going. to get defaulted on and they're going to. get garnished and you're going to lose. like 30% of your paycheck which you. can't afford. So get on a repayment. assistance program. That's what was. passed through the BBB last year, okay?

That's the new payment system. You can. get on it. You're lower income. You can. get on as low as 1 2 3% of your income. So call them immediately and figure this. the [ __ ] out, okay? Good death. I'm going to bet it's like a. $25 payment after that. Row, come on. Did you even did you get a degree? >> No. >> What I dropped out too. It's okay. It. just depends what you do with your life. after that. >> Right. But. >> So obviously not good. 60 I yeah, I mean I think student loan. borrowers like 40% of them don't have a. degree if I'm not mistaken. So I mean.

it's it's not over surprising but what. were you studying? >> I was a marine biologist major. >> Okay. Sure. 6,500. >> You need to call them now. Get on like a $25 payment or else it's. going to get garnished and they're going. to steal like 200 hours a month from. your paycheck cuz it's the government. They can do that. 227 in our Chime account. We do love.

Chime. Chime's great. Sign up. chime.com/caleb. Get your $200 for free. You'll have just as much as they do in. their Chime, literally in free money. just by signing up. That's bad. >> Mhm. >> Well, you started with 98. That's even. worse. Oh, we're DoorDash in Hawaiian Bros. Okay, this is pathetic. What a. joke. Behind on rent. cough. Amazon Amazon Temu. church you're donating $250 to the. church. >> Yeah. >> when you can't afford your own rent? The. church gives people money to help pay.

their rent. You're not giving the church. money right now. You're the people the. church helps. Do you understand that? You can give more to the church when you. have more money when you get rid of. debt. I'm not saying don't do your. religious obligations. >> It's a must. >> Huh? >> It's a must. >> No, it's not. The church gives you money. when you're in your position. It's not. >> the church. We don't tell We don't tell. anything. >> You should. That's what the community of. the church is for typically. Talk to the pastor about your financial. situation. See what the pastor says. Okay? You can give more money to the charities.

or whatever of your choice when you. sacrifice, get out of debt, have an. emergency fund and have money invested. You can give more over the course of. your lifetime than continuing to give a. little bit of money now while you're. poor. Also, $250 is insane for your. financial position. Let's just be honest. >> Yeah. >> This is still a must though. >> No, she's the one who got me into. tithing for the church. So, I was with. it as far as donating for the church. >> I'm down for but you guys are poor. They. would give you money. Typically, churches give money to the poor.

>> I mean, it's a must. I I I can't. >> maybe it's just a. >> What? No, talk to the pastor. See what. he says. Talk to the pastor. I bet if you say I. can't afford to keep the [ __ ] lights. on, minus the The pastor would be like, "Girl, you're. Nah, I I still have to do my thighs. Sorry. >> You're not willing to see what the. pastor says? Wouldn't he be a better. authority than you? >> I I mean, I have to swallow my pride and. >> You're broken. Swallow your pride, swallow your. McDonald's, McDonald's, Chipotle,

McDonald's, Amazon, Amazon, Torchy's. Tacos, Little Caesars, Foodorama. [ __ ] why not? [ __ ]. McDonald's, McDonald's, McDonald's, [ __ ]. But your DoorDash and Aldi, Chuck-E-Cheese, sure makes sense for the. kids, but you don't have to get food. there and [ __ ] [ __ ] Apple Cash. balance added $250. What is wrong with. you? $520, even worse. SP Everyday Dose, that's mushroom coffee. What is wrong with you?

You're a joke. Subway, McDonald's, McDonald's, Amazon, Amazon, McDonald's, Walmart, Walmart. But it's [ __ ]. It's $3.15. You're not getting anything. necessary from there. [ __ ] Apple. Cash. What a joke. Time, yours negative $40. Yeah. Oh, good [ __ ] Kirby. [ __ ] And You're getting the energy. drinks, aren't you? >> Yes, he is. >> Gamer Supps, you're making your energy. drinks at home, just like your coffee at. home. There's a Steve Harvey one if.

you'd prefer that on their website. >> All right. >> Get that, get your free samples to. figure out what flavor you like, then. use the 10% discount code Caleb, link in. the description below as well. Just use. that link. Make your energy drinks at. home just 40 cents a serving. No more of. this two $4.72 cents like he did at. Kirby Express. Then your DoorDash and. Papa Papa's Barbecue, your ATM. withdrawal, going to the strip club, 63. bucks, >> [snorts]. >> or probably cat weed. One withdrawal, Apple bill, Chipotle. Apple Doubt it. No, cuz I may maybe. Uh.

Chipotle, McDonald's, Cash App. [ __ ] [ __ ]. Cash App, [ __ ] McDonald's, Jack in. the Box. You guys don't give up. You. just want to eat every second of your. life out there. This is disgusting. [ __ ]. Energy drink. China Cafe, Xbox, Jack in the Box, Apple. Cash App, Popeyes, Apple Cash. Golden. Chick, fresh donuts, huh? >> to love Popeyes, huh? >> I do love Popeyes. I mean it makes me.

[ __ ] like liquid, just absolute dookie, but so I don't, unfortunately, but it's. good. Yeah. Good times, good times. Spotless. Oh, car wash in Houston. You don't need. that. McDonald's, McDonald's. Especially your car is like broken. Energy drink, McDonald's. Well, while. your dad drives you, this is disgusting. Door Dash again, ATM withdrawal again, ATM withdrawal again. Energy drink. Domino's, Burger King, energy drink, McDonald's, Amazon. This is pathetic. This is disgusting. You guys are just.

You don't care. You spend all your money. and you make no money and you want to. quit your job and this is. You guys have just given up on your life. and you're just trying to get all the. food down y'all's throats. >> [snorts]. >> Let me figure out your budget. What the. >> [gasps]. >> She did something as a revenge. Okay, we're going to get into it. This is. crazy, but we're going to get into that. in the post show. Oh my When you. cheated, she did something that you.

don't know about. She's using this as a. platform to talk about it. Your anxiety. should be spiking. This is not This is. crazy. Okay. You're disgusting. What is wrong with. you? You're a bad person. Okay. [ __ ]. I'm jumping ahead. Okay, 5,500 is your. income, just about. Debt payments. Dude, you're going to be pissed. We checked him. We checked his weapons, right? Okay, $80 minimum to pay me. I don't. know how the [ __ ] you guys can't even do. that [ __ ] What's your rent?

>> $1,550. >> What's your utilities? Internet, gas, electric, all that combined? >> Electric is probably like 250. You said gas? >> Yeah. >> For me is. >> Gas, house gas. Is there not. >> Oh, no, no. >> have electric. >> Okay, is there internet? How much? >> Yes, internet is. 60. >> 60 bucks. >> Okay, 310. Okay, gas and broom broom. drive drive, how much? >> I do. >> Between both vehicles or just one? >> Yeah, both. >> Me is just $53 per week.

>> And you? >> Mhm, same, about 50 a week. >> Okay, we'll call it. 420. Very good. Car insurance, how much? >> Uh. >> [sighs]. >> Like 300. >> Just. >> Yeah. >> Okay, phone bill? >> Uh. 180 for both. >> Okay, do helium once your phones are. paid off. I'm assuming they're not with. that bill. Okay, groceries. What's the.

2-year-old eating? >> Um chicken and meat. >> Same. >> Okay. >> Almost every Almost yeah. >> They eat almost everything. >> 800. Very good. TP, fun, anything else. you and the family need to survive? 300. bucks. Health. care. Okay, any uh minimum co-pays and. whatnot monthly basis? >> We don't I don't have health insurance. >> Why? >> Because I missed my deadline at work. >> dollars. You're getting on at least. minimum. Okay, uh subscriptions we'll try like 70 bucks.

between you both. You have any pets? Yeah, you got the dog. Uh $50 pet. insurance cuz you can't afford an. emergency. How much for pet food? >> Uh maybe like 60 a month. >> Okay. Is there a gym? >> Not anymore. >> Okay, anything else that needs to be in. this budget that I have not. taken into account yet? Okay, you guys have wiggle room. I'll. give you about a thousand dollars of. wiggle room. >> In that first debt, correct? Like to pay. it off cuz we want.

>> have a thousand dollars left on a. monthly basis. About 1,100, but I'm just. going to round it to a thousand to be. safe. Listen, with that, yeah, I mean. your minimum two payments that you have. the Credit One, we need to pay that off. I mean you pay that off in the first. month and the student loans you get on. the minimum, you don't touch it other. than the minimum on the rat plan and the. bed you pay off the bed in two months so. in three months we have all debt paid. off besides collections and family. After that, you're just starting. negotiating it down. We deal with the. collections and then the family. We get. on a minimum family plan. Uh I mean even.

just small amounts so they could see it. coming in and it's the same amount that. went to your bed and Credit One. That. way they can at least feel the. difference in your budget budget doesn't. change. And at that point you're just saving up. 2,000 for two months. You pay off the. apartment. You You pay off the [ __ ]. collections that you had at $700 like. that. And then you start grinding away at the. family. This [ __ ] isn't hard. This is. done like a [ __ ] year, year and a. half and then you get a fully funded. emergency fund. And yeah, you keep. working. I don't give a [ __ ] and you. should pick up extra shifts so you can.

pay off that quicker. Then we get a. fully funded emergency fund. Then you. guys live 50/30 turning which you. totally can with your income. 50% on. needs, 30% on wants which is a good. amount of money on wants which you. finally get to have again. You have to. cut your budget down to zero which I. don't believe you guys can because your. spending is insane and 20% going to. savings so you have a chance of. retirement. Okay? That's what you guys. are doing. Okay, I got to get in this. post show because this is about in to be. insane the [music] [ __ ] that she did. behind your back when you cheated. I'm glad you're using this platform to. finally come clean. Let's get the Hammer. Financial Score. First, spending in a. budget zero out of 10. Debt is.

collections zero out of 10. Emergency. fund is nothing zero out of 10. Retirement is nothing zero out of 10. Real estate is nothing zero out of 10. Hammer Financial Score zero out of 10. Get your score at CalebHammer.com. Now. click that join button. Join Hammer. leave the best membership on YouTube. with three shows, three premium. incredible shows every single day six. days a week including the extra 20. minutes of this episode the Financial. Audit Post Show. It's That's going to be. wild. I'll see you there. >> Because you decided to cheat. Well, I. decided to step out and cheat more than. you did. >> So, what what do you mean?

>> So, I decided to cheat back and actually. text my ex. >> The same ex who beat you up and stuff. like that. The same ex you talked that. much crap about. The same ex who I tried. to save you from is the same ex you. >> Wait, what you do though? What you do. though? >> I went to his house, meet up, and couple. drinks, and it was good. >> I just launched the brand new Hammer. Elite app available [music] on every. major platform. To celebrate the app. launch, I'm offering 30% off the annual. plan in the month [music] of June only.

Plus, I have an exclusive offer just for. you. But, I'll only have 1,000 available. to purchase. You'll get lifetime access. to the entire Hammer Elite catalog and. my Hammer for Life box packed with. limited edition merch. Download the. Hammer Elite app by using the link in. the description [music]. or pin comment down below. This is the. best membership you'll ever join, and. that's a promise.