The Most INSANE Financial Audit Ever

I had found some information out that he. had been. >> more information. >> paying for an app. It was an AI. girlfriend app. >> What the actually happened? How can you. like tell me what the happened? >> Okay. Wow. Sent a dick emoji to Sarah uh. who is an AI Sarah. Did you like AI. Sarah? Uh who sent if you sit on this. lap because [music] you don't have. another choice. I mean, I'm being told that literally.

when you guys are chatting about any. serious topic, he will not sit next to. you out of fear for you seeing his. phone. [music]. >> I point it out and just the Yeah. And. then shrugs and laughs. >> I was talking to his parents about him. uh sending emails to the VA from when he. was in the military. >> What branch? >> He wasn't in it. >> The stories that your friend sent you, you took about your service, she hands. you her phone and you refuse to do the. same. What are you hiding?

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start your free trial. Go to dollar.com. or click the link below. >> Hi, I'm Jade and I'm 30 years old. >> Hi, I'm Bernie. I'm also 30 years old. We live in southern Indiana. >> and [music] this is Financial Audit. >> Wow. Thanks for coming down from the. Midwest, y'all. So, what do you do for a. living? I'm going to start with you, Jade. In southern Indiana ain't It's not. expensive. That is not an expensive. place by any means. >> Uh yeah. Uh depending on like the the. area. >> Nope. That is not an expensive place by.

any means. >> Compared to anywhere else in the country. practically, but. >> yeah, Louisville is very pricey in. comparison for sure. Uh. >> okay. So, it's definitely not expensive. So, you should be doing okay if you're. making halfway decent money. Let's see. What do you do? Uh I uh just resigned. from my job as a Yeah, I know. Uh it was. a field merchandising talent. So I. travel for my job. Uh the hours were not. making up for what we needed. >> Isn't that better than zero hours, which.

is what you do once you resign? >> Yeah. No, I. >> Did you have another job lined up? >> I do. Yes. >> Okay, then why don't you tell me that. that's what you do for a living instead. of what you did? When someone asks me. what I do for a living, I say YouTube. I. don't say my sales job five years ago, six years ago. >> Yeah. >> So, what do you do for a living, Jade? >> Uh, I am going to be starting as a. business manager for a local small. business company. >> Okay. What is uh what does that pay. much? The small business. I always get a.

little nervous on that. What do you. make? >> Salary. So, it's 700 weekly. >> That's good. Okay. Is that your net or. is that your gross? 700 weekly. I'm. going to say safely net. >> That's the safe answer is net. >> I would rather say net than gross. >> You would? >> Would I not? >> Um, >> that's the safe answer. I don't think. that would be the safe answer, but okay. Times 52. So, you're making 36,400 a. year. >> Okay. But in that cheaper area, it's.

where it can come closer to working. That is still a difficult income, but. we're a dual- inome household. We're. married, right? >> Yeah, that's true. with a child. >> Very good. Oh, sure. How old's the kid? >> Uh, they are 16 months. >> How long have we What's the gender? >> It's a boy. >> Yeah. Little boy. >> Okay. Okay. Okay. I just. want to make sure you said there. I. wanted to make see if it was transit 16. months already. Okay. Very good. Uh, yeah. I mean, kids are expensive, but. again, cheaper cost of living area. How.

long have we been married? >> We got married in October. Yeah. >> This past October. >> Wa. So after kiddo. >> Yes. Yeah. We gotten engaged. 23. >> Back in 23. and had kid and then got married. afterwards. Interesting. >> A little out of order, but that's okay. What do you do, Bernie? >> Uh, I work as a health care professional. for people. >> Yes, you do. >> Mental or physical disabilities. >> Oh I was going to say that's why.

you guys how you guys make money, but. actually maybe not. Um, okay. Well, what's your position? >> Uh, they call it a DSP. It's just I go. inh home for the client when they don't. have a facility. >> Oh, Okay. What do you make? >> Uh, probably around 2,000 a month. >> Yeah, that's that's that's unfortunately. what I was. >> Yeah, it's 16 hourly. >> Thinking $24,000 a year in that. >> Mhm. >> Okay. But you combine these then all of. a sudden we're doing okay for your area.

is the thing. cuz again that is not an. expensive place to live. There can be an. expensive like city like I mean. Bloomington can be a bit more expensive, right? That's what it's called. University of Indiana. Like it can be a. bit more expensive but even still. compared to the majority of the United. States certainly not. >> Uh so $3,33 from you on a monthly basis. plus the two. So I mean you guys are. making five 5,000 net. Okay. I mean with. a kid, you know, but good and we're all. combined. Everything's good.

>> Nope. No, we still have separate. finances. >> Well, then how the We have a kid. We're. married. What are we doing? Why? >> I've always been. kind of iffy about finances. Uh. >> iffy about finances. I don't know what. that has to do with you actually joining. with your wife, >> you know, partner for life situation. with a kid. >> We've talked about it. I mean, I'm open. to it. It's just when we went to join. like uh me sign for their account, they're like, "Well, we can't really do. that.". We went to the bank that I have my.

current checking at. >> and her account. >> Yes. And I wanted to add him as a joint. user and they immediately went, "Oh, we're going to create a new account.". They only allowed us to they they pretty. much only offered a second chance. checking where we would have to pay. every month. >> What do you mean pay every month? If you. don't have a balance? >> No, cuz it was poor credit and and. >> checking account. Okay. Go to Chase. Go. to anywhere. I don't know. >> Uh I don't even think we have a Chase in. our town. I would be incredibly.

surprised. >> There might be one, but I don't. remember. >> But even still, you can open a with a. different bank. There's different banks. everywhere. >> Absolutely. Um. >> I mean, I think that would be a step up. Dude only uses Cash App. >> Correct. >> I mean, it's. >> I think it's time to upgrade. >> Yeah. >> I mean, Chime's great as well, don't get. me wrong. Certainly better than Cash. App, but it's also good to just have. just a random like larger institution. just sitting there. Just even just. sitting there. Yeah. >> Yeah. Yeah. >> Okay.

Yeah. >> Oh, I don't know what that means. >> So, when we went and they offered us a. second chance checking, I was like, that. wasn't the intent that we had. We don't. want to have to pay to have a bank. account. >> I know. So, you go to a different bank. That is what adults would do. >> So, congratulations. Keep coming back to. the second checking account. Like, okay, you already did that. We we already. know. Very good. Go to a different bank. >> I didn't know about the collections that. he had had that he never mentioned up. until that point. And I had mentioned. before. >> why you got married. You got married. Why aren't you telling her about your.

finances, That is. irresponsible. It is selfish. It is not. fair. Especially the breed. You. breeded. You had a little bread. situation. >> We're doing that. And she doesn't even. know what kind of money she's attaching. her child to. >> Come on. Why? Why not inform her before. you guys go down this big life adventure. together? Mostly because I. shame mostly. >> Oh, off. What a Dumb. copass excuse. You're someone else's.

life, potentially another with a kid. Shame. You should be ashamed. You hid. that from your spouse, your partner. before making a child in marriage. You. should be ashamed. That's what's. shameful. >> What? But I'm confused. I mean, do we. just hide literally everything until. after we're married? Is that how. marriage works? >> [snorts]. >> No, not a not a good marriage. I. >> Oh, so we're starting off with a bad. marriage. >> I wouldn't say that other than.

>> Well, you just defined a good marriage. is not hiding things and yet you were. hiding that going into marriage and now. she's struggling to get accounts. connected and whatnot with whatever. limited resources you have in your. community because of your finances. Do we own a house? >> No. >> No. >> Okay. Do we want to own a house at some. point? >> Yes. How's that going to happen with man. with completely money of what you didn't. know about that you were attaching. yourself to? The mortgage is only going. to be in her name. That's fair. That's. great. That's wonderful.

>> No, I would like us both to have a say. on a mortgage. >> A say on the mortgage? >> Well, both be on it. I wouldn't want. them just to be on one person's. shoulders in case something happens. >> Okay. But you lied about your finances. getting with her. Yeah. Okay. So, what was your reaction when. you heard this? >> Confused. Concerned. I mean, I also have. collections. Yes. I'm not going to lie. and say that I. >> Well, were you hiding them from him? >> No.

>> So, he knew about You knew about them. going into the marriage. >> Yeah. >> Okay. I admit you. >> Why hide yours? The shame is such a. excuse. Come on. Why were you. actually hiding? Shame. You should be. shamed now. mostly because when I was. growing up, I always got yelled at for. everything moneywise. Um, so I didn't. want to start another fight when instead. of a fight, I could have had a regular. conversation. >> What about fight? She literally tries to. sit down with you every two weeks. Every. two weeks she said in the pre-in Lindsay.

to talk about finances. What do you mean. have a normal conversation? She tries to. do on a daily basis. Sorry. Every other. week, twice a month. So there would be. the opportune time, would it not? >> Yeah. Uh. >> oh I apologize. You are male. You're gay. You're gay. >> Legally gay. Yeah, >> legally. We're legally gay. >> What do you mean legally? You You. switched to male. >> Uh the gender. Yeah. So I had a legal. name and gender marker change. This is. before they had released. Oh,

>> because X wasn't an option. Wait an. option. What do I call you? Do I call. you X? >> No, no, no. That would. >> talk to X over there. >> It would be like a non-binary thing. That's that's kind of the insinuation of. X. >> Okay. Educate me cuz I'm just not. educated. >> Absolutely. So the there's a difference. between biological sex and then. >> certainly cuz I mean you're a chick. >> biologically. Biologically. >> I am female. So I'm a fab assigned. female at birth. Uh and then. >> Well, no, no, no. I mean you were born. with a woman.

>> biologically because there's a. difference. Because there's a. difference. You said biologically and. gender. >> and Yes. So there. >> So biologically I mean you're a woman. biologically. >> Biologically I'm a female. That is the. more appropriate female. Fine. Fine. I. mean when you start saying female all of. a sudden people call you an incel. >> Well I mean when you're speaking about. gender it's man and woman but when. you're speaking about sex it's female. and male. >> Okay. So. female. >> scientifically. >> Aphab. Yep. >> Aphab. >> Aphab assigned female at birth. Uh I am.

female. I am a woman. or I am male or I. am a man. It's the I was assigned female. at birth, but I now identify as such. >> Wait, I thought I thought you said. female was sex, but then gender, the. thing that is what you're changing and. saying is in flux is the other thing, which would be woman. So, it wouldn't be. assigned female, would it? It would be. assigned woman or assigned woman, but uh. officially female scientifically, right? >> No.

>> Using your logic, right? >> No. Right. >> I legally changed it from the letter F, female, to an M, which was male. >> Sex, >> the sex on the driver's seat. >> Oh, so you can change sex. >> Yeah, you can change the sex. >> Oh, I thought we were saying we couldn't. change sex, but we can change gender. >> Technically, both of you undergo. surgeries. Yeah. >> You were assigned female. You are now. male. >> legally, but I. identify as non-binary. So, >> why did you go male then? >> There was no X option at the It was. >> but why go female to male if like you're.

neither? >> Why do the change? >> I mean change is inevitable in everyone. as a human. It's our basic right to be. able to. >> Okay. So how do Cuz I've been calling. you her and she. >> Yeah. She and. >> how do I call. >> Yeah, she and they are fine. >> Oh, so we've gone back more feminine. So. we're she again. >> Not inherently. No. >> Oh, but I can call you she. >> Absolutely. >> But I will call you whatever. >> Yeah. >> And you want to be called? They she it. does that. So we're good with that's.

fine. Yeah. Yeah. >> Good. Wanted to establish that. Very. good. So you're not gay. >> other than on paper. No. >> There we go. Good answer. [snorts]. >> Well, actually on paper, right? Cuz. aren't you male? >> Yeah. On paper. >> Yeah. On paper. Yes. >> On paper, you're gay. Legally gay. Yeah. Legally gay. >> Okay. Okay. Okay. Okay. Just wanted to. make sure I understood as I continue. >> Rainbow pen for your shirt. >> People know that you're little gay on. the inside. Okay, very good. Mhm. So, but yet she is the mask of the household.

anyway because she says that she feels. exhausted for wearing the pants in the. relationship 70% of the time. So, you've. taken the at least OG classic affeminite. role of not doing anything in the uh. taking care of the house in a financial. situation. I'm navigating this. Okay. I'm trying to make. >> it was like the 1950s like. >> Yeah. It's a classic. Yeah. Yeah. Yeah. >> So, okay. She's standing up and taking. care of everything and she's upset that.

she has to take care of everything. You're not stepping the and being a. man. >> Yeah. I mean, I've definitely dropped. the reigns for sure. Uh I wouldn't say. they did everything or in the house, but. the majority I'd say. Yeah. >> Why Why aren't you stepping the up in. this relationship? She's over here being. upset that she can't even have a. conversation with you. She tries every. two weeks. So, how did this ever How. does this every two weeks go? You go. over there, you go to the dude. >> We gotten married in October. Uh, a.

couple months before, uh, I had found. some information out that he had been. >> more information. >> paying for an app. It was an AI. girlfriend app, [laughter]. >> bro. >> Uh, yeah. He had linked his email to my. phone. >> Did you get more feminism? >> It was for DN D in his words. >> In his words. Yeah. No, you don't get a. AI girlfriend for D and D. You You're. not going to me. What? What are.

you paying AI girlfriend for? >> No, I have Don't do that now. >> Stop the cap. [screaming]. >> Yeah, you just got married and she found. out it was happening. So, yeah, just a. few months ago. What the was going on? >> So, uh he linked his email to my phone. for like manga or whatever so I could. read my downtime while taking care of. our newborn. >> Okay. Uh yeah, it so [gasps]. uh that was you know the early bit of 25.

and then this email pops up around our. birthday and I'm like. >> what the hell is this? >> Our birthday. >> Our birthday is like two weeks. >> before. cuz we got our I thought we were. introducing a new pronoun. Okay. >> No. So uh I'd seen an email that was. like oh don't leave your AI girlfriend. hanging kind of and Oh, >> I didn't want to say anything through. text. I wanted to have a face to face. conversation. So, he gets home and I'm. >> He's not good at those. >> So, I was trying to.

mitigate the emotional state that I was. in and the logical and kind of come in. between and come from a like a a sound. ground that I wasn't feeling crazy cuz I. did. I felt insane that that was the. >> has an AI girlfriend. Yes. I think. you're allowed to feel insane in that. situation. So when he got home, you. know, I put our son down and came. downstairs, started cleaning some dishes. so I could get dinner started. >> Pretty much in checking in like, "Hey,

are you okay?" And I was like, "Not. really. I'm I'm not doing okay. I saw. this and I need to talk to you.". >> Why'd you wait for him to talk to you? That's a bit weird. >> No, it's just like a mental I. don't like the like the the the. crankiness waiting for the the guy to. approach a conversation. So like it's a. a twostory townhouse. So he. >> you didn't see him all day. >> No, he was at work. >> He arrived upstairs. >> No, he like came downstairs like when he. came in to the house. >> Okay. >> I was putting on. Okay, I'm following.

Keep going. >> You know, I came downstairs and we do. the mental check-in like, "Hey, how's. your day? How are you doing?" And I. going to assume. >> I just call that talking usually, but. yeah. >> Yeah. But like it's a good check-in with. your spouse to be like, >> "You seem really upset just by like the. the energy that you're given and I was. kind of, you know, >> I had some hot coals under my feet, you. know, and I was like, I'm not having a. I'm not having a good day." And I saw. this and I need to talk to you about it. and I was trying to stay level-headed.

and I got really emotional. I was like, "What am I not bringing to the table. that you need to seek out an AI. girlfriend?". >> Ah jeez. Okay, listen. You're the AI. girlfriend. Why? Why can't you just a. conversation? Why can't you just say, "Yo, what's this? What's going. [laughter] on here, guy?". >> Well, yeah, it was pretty much. >> say, "Why am I not enough?". >> YEAH. [screaming]. SORRY, I'm emotionally insecure. sometimes. Therapy helps. I'm learning. that. But. >> women ast, am I right?

>> Yeah, the titty mobile. I get it. But. it's just I tried to have a. conversation. I got really upset cuz it. was the, "Oh, it's not you. I love you.". And and I appreciated that. I really. did. But it was I needed to know why you. had sought it out and you're like, "It's. for D and D." And I felt like that was. just a really pop out answer. >> It was being paid for, right? >> Yeah. >> Okay. Then Not for DN D. Dude, you could claw the dick out of some D. and D. You could GPT the dick out of.

some DN. You could rock the dick out of. some D and D. >> Yeah. >> Gemini the dick out of some DND. Perplexity the dick out of some Dn D. AI. girlfriend for D and D. Good luck. Come. on. You were feeling lonely. You wanted. to. talk to me, baby. >> No, we were going through a rough time. And. >> well, there it is. I don't think you. were playing D and D for the rough time. I think you were going through a rough. time. Actually, say the real answer now. for the first time in her life. Yes. Go.

ahead. say you were having a a tough. time. >> because. I was making a lot of. poor decisions and I just anytime I do. something I'd end up hurting Jade in. some way and instead of talking about it. like an adult, I took the. stupid way out of it. Yeah. >> No, what you just said said did he just. say anything? That was nothing. That was. information than I knew. >> That was considered more information. He.

literally just said nothing. 20, what. the actually happened? How can you like. tell me what the happened? Do I need to download a AI Bernie to get. an answer? >> I I don't answer for that one. >> What What do you mean? You downloaded a. app. WHY? WHAT WERE YOU USING it for? Did you want to hear? Wow, you're. totally right. Here's an unfiltered goon.

response. >> No, I was. >> Wow, you're so hot, daddy. >> No, I was just. >> really just. >> girlfriend, make me come. Make no. mistakes. >> Uh, but yeah, I don't. >> But yeah, no, you didn't say anything. yet. [laughter]. Say something, PLEASE. YOU'RE ON A. PODCAST. >> YEAH. Why the DID YOU DOWNLOAD THIS APP?

>> Cuz I [clears throat] was stupid and. what shouldn't have been done in the. first place? >> No. No. Why did you download it? Not. because I was stupid. What was the. action? >> Curious to see what it was about. >> There [clears throat] you go. There's an. answer. Okay. You were curious to figure. out what it was about. Now, what made. you so curious to explore Girlfriend of. the AI form instead of girlfriend. girlfriend? Why? Why were you curious to. learn about this to pay for it? I want. to branch out and just say it might be. because we maybe were having.

>> every other month if that. I'm I'm 100%. sure in the first. >> I don't know if you can. there are choice for that. >> You can try. >> Good. >> That port's a little small to be honest. though. >> Uh-huh. Grippy. >> Yeah. We'd have to buy a new phone after. that. >> Okay. So didd in once every other month. >> if that. Yeah. >> I mean just I mean kid hectic things are. crazy. I get it. stress. I mean, I can. see it on your neck right now. You're. stressed. >> Yeah. >> You're blushing. >> Irish. Yeah. >> Does that happen to every Irish person?

>> Uh, yeah. >> When you're So, okay. How about that? That's an actual answer. Why can't you. say that? You were deprived. Were you. deprived? You weren't coming. Your balls. were loading up. >> Yeah, I would say so. >> Wow. Yes, I understand why this is the. more information than you've ever gotten. cuz I don't think he can uh uh actually. answer questions. Drowning in student. loans with massive interest rates. I see. it on the show all the time. People get. a loan to advance their careers only to. be left with sky-high interest rates and. crazy minimums that leave their paycheck.

gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less than perfect credit score and. hung up the phone. Maybe part of you. even thought, "Yeah, that tracks. I. guess I'm stuck. Stop it. You don't. deserve to be buried in a highinterest. loan for the rest of your life because. you hit a rough patch." The banks 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 Y refi. comes in. Why Refi works specifically. with borrowers who can't get refinancing. through traditional lenders. It's their.

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for my insecurities were true. that you. did you you were seeking more intimacy. and that was just hard to say. >> And to be very clear until this very. exact moment, his reasoning was still. DND. >> Yeah. >> Okay. Why I listen? Hey, baby was born. 16 months ago. You guys have had 12. times. Reasonable to say I am struggling with. that. That is not an unreasonable thing. Doesn't mean pressuring the partner, but. that is not an unreasonable thing to be.

having issues with. Why hold the lie of. it was for D and D until right now? And. you know how I know it was a lie? Because she confronted you. You. immediately deleted it and then you. downloaded emoji the next day. And other. a AI relationship app that you paid for. the next day after she called you out. Did you know that? >> I didn't know there was a second AI app. I know about the Enochi one cuz I saw. the subscription and then the add-on to.

his Play Store account cuz again the. email was connected the phone and I. wanted to understand. >> when the app was downloaded. >> A new generation begins. evolved, not just replaced. It's incredible. Always on. Get the. latest features and functionality. Well, that's what you want from your. girlfriend. Latest features and. functionality. Interactive video. stories. Endless choices. make decisions. for her. >> Like I can understand that like my the.

medications that I was on at the time. trying to guinea pig that. >> I get it. You're I get it. And he can. struggle with that. Give him permission. to go someone else or something. That's fine. >> I wouldn't want to do that. >> Yeah. >> We've had that talk. >> And. >> uh I was previously in a poly. relationship and did not. >> We don't have to be poly, >> right? Even. >> be open. Poly involves um emotions. That's where it can get. Yeah, >> but still if you ain't dude does got to. you got to kind of figure out your. situation. >> Mhm. And how often are people safely.

like having sex with others without. getting confirmed tests and showing the. results? >> Well, make sure you get them tested and. show results. >> And when I offered an ultimatum before. we got married and said, >> what was it? >> No lying. >> Stop spending money that we don't. >> Well, he was lying in every way. whatsoever. He was lying until this. exact moment that he was using it for D. and D. >> and go to therapy and most of it still. has not happened if not continuously.

>> You haven't done anything. >> No, >> you made a child with her. You're not. even following the therapy. You're not. even following the. >> Okay. Wow. Zan sent a dick emoji to. Sarah. Uh who is an AI Sarah? Did you. like AI Sarah? Uh, who sent if you sit. on this lap because you don't have. another choice. It's a little depressing. >> What? >> I mean, yeah, I guess she doesn't have a. choice. She's AI. Can you video chat with these people?

>> I don't know. I never did. >> I'm sorry. What did you just say? >> Well, I'm just exploring emoji. >> Okay. I thought you were saying there. was like messages between Bernie and. someone else. I. >> I'm not in Bernie's account. I don't. know what's happening, but honestly. wouldn't be surprised. >> Hey, well, yeah. I mean, honestly, buddy, I mean, the pipes being backed. up. That is an actual That can be an. issue. How are you dealing with that? >> I mean, why won't you let her see inside. your account? That is a concern. >> I thought I was still they still had.

access to my. uh Google. No, I told you the day that. we had talked about you deleting the. apps that I deleted the email as well. >> And then I saw that you had paid for. that add-on or whatever with the Enochi. and I asked you what the hell it was and. you're like, "Oh, it's some just like. pet feeding game or something like. that." And I was like hearing that it's. a. what was that like soft uh uh ichy anime.

pretty much. Huh? >> Ichi animes. >> I don't know. I don't know what this is. >> Like panty shots, not full like not. >> You come to panties. >> No, what I'm saying is hintai full. nudity straight rock and then there's. >> which is itchy anime or etchy anime. depending on. Yeah, it's just a thing. >> Bro, I don't know. I'm not like you. guys. I just I watch two people or I. like I keep it simple. Okay. >> Wait, you have a cuck chair?

>> Uh I meant but I that's that is fine. I. was curious, man. >> Very good. I know. >> I mean, there's something for everybody, I guess. >> Yeah. Yeah. Everybody's got their. flavor. >> I watch people have sex in or I go. It's. as easy as that. I don't know what what. what you're against them watching. >> No, absolutely not. >> Oh, then what's the problem? >> You literally have like DVDs that we. could I just Well, I used to work in an. adult store, so sometimes just online. >> Okay, dude. >> Okay. What was my question that nobody.

answered? Uh, I think it was, "So, what. are you doing? You're backed. [clears throat] up. What's the solution. here other than lying?" Cuz that can't. be the solution. Listen, I think open is. something that is halfway decent. That I. believe when surveyed, if I'm not. mistaken, 99% of people said they would. actually be open to. They're just not. willing to discuss with their partner. But the thing is, I mean, if she's not. down for it, then you can't. And that. would be cheating then. So, we're not. talking about that. Okay, she's down for. porn, but you're kind of meeting in the.

middle. You're talking to AI and you. won't let her in your account to see. If. you downloaded it and logged back in, she could see. Why would you do that for. her? >> I mean, I would pull it now. I don't. have any on my phone. >> I said if you downloaded it and logged. back in, she could see. Why not do that for her? I mean, you. said you were using it for DN D. >> I don't even get to look at his bank. accounts. >> Well, okay. So he hides stuff and AI.

stuff from you. >> Okay. Now he he hides finances as well. Correct. What does he hide there or at. least of what you even think? >> Uh I think one of the last times that we. had done a budget talk, I had saw on his. phone that he had paid 20 bucks for a. game on Nintendo. Uh and I did. overreact. I'm going to be honest. I. did. >> I mean that alone within like just a. closed ecosystem, whatever is not the. end of the world. But I understand if it. is just endlessly hiding purchases from.

each other when we're trying to make the. household better. Yeah, that would be. you overreacted. What? >> Uh I blew up. I was like, why the are we. spending $20 in Nintendo when we can't. even Oh, I don't know. Put gas in the. car or get our kid diapers. Uh. >> oh, come on. If we can't afford diapers, why are you buying video games, AI girlfriends in video games? What the. are we doing? obviously. messing my life up. >> That's not an answer, guys. That's a. answer. Can you answer a.

question? Give me an actual reason. You. purchased Nintendo. instead of putting diapers on the kid, gas in the car. >> Why? >> I hadn't. done anything for myself recently, and I. figured it'd be okay to spend $20 on a. Nintendo game and play it for a little. bit. And that's more important than the. kid. >> I never said that. Nothing's more. important than the kid. >> You did say it through your actions. If. we're struggling to get diapers, which I. don't know why we would in southern.

Indiana with 5,000 hours a month, why. are we struggling to get diapers, by the. way? But even still, well, I guess you. wouldn't have much insight. I mean, I'm. being told that literally when you guys. are chatting about any serious topic, he. will not sit next to you out of fear for. you seeing his phone. >> Yes, >> buddy. I mean, I couldn't stay with. someone like that. I mean, that that is. egregious. I point it out and it's just. the h Yeah. And then shrugs and laughs. >> So you can't even handle the. conversations with her either.

>> This is why honesty and going to therapy. regularly. >> Maybe depends what kind of therapy. You. might get enablement therapy. >> Well, he went to two sessions and then. never went back. >> Okay, so that was another ultimatum she. gave you. Hey, what's the point of. giving ultimatums if you don't follow. through with them? >> Right. And so after the beginning of the. year, I had a I circled back around. I. was like, "Hey, how are we doing? How's. the therapy?". >> He said, "Well, I haven't been back cuz, you know, it was a religious facility. that was offering it at like a more.

discounted price for low-income. families." Understandable. We appreciate. it cuz he didn't have his insurance at. the time. So, now that he's finally been. there over a year, he gets the. insurance. And I go to his doctor's. appointment with him cuz, you know, it. was an off day. And we just went. together cuz it's easier. >> Okay. just one time in general. You have. to go to his doctor's appointment. >> No, we we had done some shopping at. Costco and then I got Yeah. went to his. doctor's appointment together. So, um he. had said that he was going to make sure. that he got an email or a call with. information. Uh it was also on like the.

oh this was your visit information. packet that they give after the visit uh. with the number and the email and all. that stuff to reach out to the resource. Still, still this was uh mid January, beginning of February. I have been. following up pretty regularly. When's. your therapy appointment? When do you. got that scheduled? Oh, it's I got a. written nothing. I've not had a anything. to say for yourself.

I need a second. This is pathetic, buddy. Going to run away from this. conversation like you run away from. every conversation you have with her. You haven't said anything. I feel. horrible for her right now. I don't know. if you're objectively a bad guy, but I. think you might be bad in relationships. Listen, she hands you her phone and you. refuse to do the same.

What are you hiding? I'm just whenever I do something for my. own purchases, I I know I'm bad with. money and I. shame. Oh, shut the What? That's the biggest. I've ever heard in mying life. What the response is that? Shame.

shame. What What are you even How do you. feel hearing this? >> I I want to be understanding, but it's. so. >> No, that's enablement. >> It is disappointing. Like I I get it. It. sucks. Money is hard. I'm not good with. money. I have had to learn this all on. mying own. >> Are you guys a couple or not? Are you. guys married or not? I don't care if. something's hard. You have to work. together. >> I want him to change. I cannot force him. to change. >> No, but you can leave. And it might be.

better for your kid that you do. Two seconds. >> Why is he struggling? Nothing has. happened. Nothing has happened yet. Bro. has said five words. Why is he. struggling? >> I want to answer for him, but I know I. can't. >> You can't? Why? >> He's his own person. >> Oh, for off. Come on. Do you know him or. not? >> I do. And I. >> this weird boundary that's not even. real. Shut the up. Yeah. No. What is. going on? Is he he's he never faced the.

consequences of his life for anything, any responsibility, any growing the up. cuz the moment he's confronted one time, he breaks the down, can't handle it as. he actively traveled across the country. for a show that he's seen, a show that. he's a fan of, a show that he got. onboarded for, and he can't even handle. it. 36 minutes in. something that he's been expecting for. at least you what have you had a couple. weeks buildup coming on here? A week. maybe. >> Yeah. The end of February. end of. February to come financial a.

36 minutes into the conversation he said. like 10 words and he can't handle a. little bit of push back that he knew was. coming. he's a coward are you going to deal with. this for the rest of your life. >> no. >> I think you might cuz it sounds like. I've tried to be understanding no you. enable. and you're going to your entire life and. your kids' life because of it not saying. he's objectively a bad person I cannot. assign that to him but it might not be. good for the relationship ship. >> Good people do bad things a lot. I can.

agree. >> Oh, yeah. But he also won't change. anything. >> Yeah. >> Anything. >> And that's why I gave him, you know, months before the wedding. I'm like, I. either you do these things to make the. change or the marriage is off. I I. cannot financially and as a parent put. >> marriage is here. The marriage is done. Now what? Okay. Okay. Fine. When's the. timeline? When's the If nothing changes, I'm out.

>> Okay, we're being told he's crying. according to Brandon, which I mean, okay. Like, I'm sure. Huh? >> That's rare. >> Well, what the So, someone called him on. a for the first time in his life. Has no one ever been around to call him. on a. >> Uh, everybody's too scared, too. >> What? Too scared to? Why? He's a What's. he going to do? >> Uh, I know that he in he seems. intimidating to a lot of people. And I. know that, >> right? >> Well, does he. he has like a gay tattoo? I don't know. >> what. >> I'm not intimidated by him, >> but. >> Right. And like people find him.

intimidating. >> Uh it So, you know how like some dudes. do the they they puff their chest, they. make Yeah, that's I see it a lot and I. know that's him putting the wall up. I. can see it. I can feel it. >> It's the the emotional barrier like the. bubble. I don't know. >> My goodness. You guys just surround. yourself with the I'm a fat. I can. probably barely sprint across the room, but I am the least intimidated by him. than anyone I've ever met. Plus, it. would help that our security guard would. just shoot him in the face if he tried.

something. But. >> Oh, lovely. >> Well, I mean, he wouldn't anyway. So, no. one's ever stood up and called him on a. in his entire life. And the moment. it happens, he breaks down into tears. Even though, again, I am very confused. >> He knows what show he's on. >> You guys have applied to be on the show. that you both watch. Yeah, he's the one. who got me into your show. >> Where's the confusion here? How is he. surprised? How is he breaking down right. now? I don't want to make someone cry. And I'm also I'm not going to. someone. If he's hiding the AI. girlfriend and he lied until the exact.

moment of the show where he finally. admitted why he had it. If he's hiding. his finances, he won't let you look at. his phone. What else am I supposed to. say? Am I supposed to tell him no, that's okay because everyone else in his. life has told him that's okay. Did he. expect anything different from me? He. had to have expected I would call him on. that, right? >> I mean, it's it was kind of like a set. expectation that like there is clarity, there needs to think. I think sometimes. it can catch someone off guard. Absolutely. >> He thinks he's might be freaking out. because he knows we haven't even. scratched the surface of this.

conversation yet. >> Oh, lovely. >> Okay. Well, we'll take a break. We'll. get him back on. Okay. So, we're in the. middle of financial a right now. As you. guys see, this is the head of financial. audit. We're currently in a break. situation cuz the dude that is the fan. of the show that got his wife on the. show. >> I called him on a. >> barely. I barely even touched the. surface and he walked out of the room. with Brandon and started balding. I. don't I don't know what to do. What did.

he do, Brandon? He hit a pose in there. >> Brandon on the couch and he hit one of. these. >> and then you could see tears. Well, hopefully he's not having like a panic. attack, but I guess like no one's ever. called him out of in his life. And. I barely did. I'm sticking up for her. I'm sticking up for her cuz I feel bad. for her. I do not know how to navigate. this conversation with the guy that is. likely the problem the relationship for. the sake of her if I cannot call him on. his for him to change it cuz no one. else has in his life. >> It'll be interesting. So, we'll see.

Do. >> you all need a couple more minutes? >> Okay. All right. We'll be back. This has never happened before. >> What? >> Hyperventilate. >> No. Like I legitimately don't think he's. ever been called on his because she. does not call him on his. >> Because all of these things happen. All. of you guys don't even know yet. What? There's two more things that we haven't. talked about. The AI girlfriend was like.

the least of it. >> Oh my goodness. And I don't even know. I. don't know yet. No, >> it's He's never been called on this and. that's why he's freaking out in my. opinion. >> All right, I think we're going to try. one more time. Um, >> Brandon, you're going to come with me. >> Let's do it. Okay. >> How we doing? >> How we feeling? >> Better than ago. >> Okay, good. >> Improvement is improvement. >> Mhm.

>> Yeah. Mhm. >> So, I was just having a hard time cuz. when he was calling things out and uh. yeah, most of what I did feel was shame, but it's. getting cold and a stupid reason for. feeling something. My body's just like, "All right, we're going to go ahead and. shut down for a second.". >> Well, where the valid response. it's cleaning up, you know? It's hard to. let it flow. work through the emotions.

>> Yeah. >> I'm trying to be as understanding as I. can cuz I can't feel your feelings for. you, you know. >> Yeah. >> You were talking about feeling the shame. and you're kind of stuck on that. You. even said the reason why. >> Yeah. [sighs and gasps]. >> We have like another hour. >> Yeah. >> Um and this really is when I talk to you. on the phone, you want things to change. And this is a conversation that feels.

like you two haven't been able to have. and we need to have it. >> Yeah. >> So, I would love for you to come back. I. would love to have this conversation and. for us to be able to. get both of you the help and support. that you need. Yeah. You ready for it? You give it a go. [sighs]. Gotch this. dragon troll from the dungeon. Thought. you ought to know.

>> Harry Potter. [laughter]. >> Okay, we're back. [laughter]. >> How we feeling? What happened? I. >> think we had a good heart to heart. But. >> what happened? >> Maybe you should talk. >> Yeah. >> Yeah, maybe. just when you were talking. about me being, you know, a real piece. of. >> Yeah. >> Dad and partner, >> did it dug out the shame that I do feel. because I know I could and should be.

doing better. And. >> having it thrown in my face is, you. know, >> it sucks, but it's also. >> my question is response. If you know you. should be doing better, why aren't you? Cuz that's all talk. >> Cuz it's. hard taking the step to change yourself. when you've done something a certain way. for a long time and breaking through. >> Well, the AI girlfriend isn't something. you've been doing for a long time. >> No, I don't do that anymore.

>> Once we had that conversation about when. she got the email. >> a few months ago, but yeah. Um, what's. to prevent us from doing that again in. the future when why won't you show her. like the messages in there? Why won't. you show her the phone? I understand. like a financial behavior might take a. second, but literally just showing her. like you can just give her your phone. If taking the step is hard, isn't that. the only step is just giving her the. phone? But what what what other step is. there in that process? >> No, that would be a step forward for.

sure. >> It would be. Are you going to? Yeah. I. mean, I would have to go in and download. them again. >> Your phone in general? >> Oh, yeah. No. Yeah, they can have my. phone. >> Uh, I think a slice of truth that might. help this conversation is, uh, he was in. the shower. This was a very long time. ago. You were in the shower one time and. I was worried that you were talking to. someone. Uh, and I did just peek through. your messages. to. >> Okay. And. >> there was nothing there. I was just.

worried. >> Okay. Well, what led you to be worried? >> I think it was like a co-orker you were. talking to or your uh uh. >> but I'm also confused about this like I. you know I haven't used it since you. downloaded an other app the. [clears throat] day after the. confrontation or the AI. So that just. doesn't line up as well. That's kind. ofing stupid. I'll be honest. But what's. not is actually getting a checking. account that gives you free money. Free. money. We like free money. You can get.

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GAMER SUBS AT HOME FOR JUST 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. game. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg GG or click that link in. the description below. Type in code. Caleb. >> cuz there were I think two that popped.

up cuz there was the emoji one and then. a different one that popped up like the. next day. You're like we just had this. conversation. >> Uh you No. No. So it was there was a. two. There was AI girlfriend, it was the. sultry little purple mask and then there. was the Anoi. >> classic Dn D. >> Yeah. And then um you said okay I'll. delete it. And then the next day it said. that you had paid for an add-on and that. was to the Anochi. And I was like, "What. the did we just talk about?" And you're. like, "You're right." And then you said,

>> "Oh, she wasn't right the day before.". >> No, he said I was right. >> They were still right the day before. >> Yeah. >> And what is this thing about envelopes? I'm being told about envelopes. >> Envelopes? What envelopes? >> So, what is an envelope? when I uh my. previous job. >> uh before the field merchandising. talent, I was a retail store manager for. an adult store. >> It was a full-time job. >> and uh I was the bread winner. Uh at.

that point, I had been working there for. a while. We had finally gotten uh our. apartment um our onebedroom. >> Was it the North Park? >> It was the North Park. Yeah. Yeah. >> Okay. And so we found out we were. pregnant a month later. and uh it was late spring I was like I. think it would be a good idea if you. know we start pulling out cash from our. checks every paycheck to put that into. the envelope system that way cuz. >> the envelope system you don't.

>> Okay. Well, you either run it via. envelope or you don't. I don't know. what. >> Well, it was just like a little booklet. It has like the plastic little. >> Yeah, there was like. >> You were just trying to save. >> Yeah, I was literally just trying to. save. >> I was just trying to put cash aside. >> I got ADHD, so if I see the number in. the account, I'm like, "Oh, I have money. inside of my mind. I won't I won't. remember." So, >> you have every mental disability. Yep. >> Uh, cool. Uh, so I was I had switched up. my direct deposit to put 200 of savings. and then from there every check paycheck. I would pull it out and then divvy it.

up. So, I I think I had saved up about. $1,600. Um, good. >> start. >> Yeah. And that was over like a couple. months. [sighs] Uh, and it was after the. ba or it was before the baby shower. Uh, I had asked you to pay the phone bill. and I, you know, I hadn't like kept. track of like checking. Oh, recounting. Oh, this is what this is envelope. What. happened? Anyways, I noticed that the. envelope was missing a lot of money and.

not just $100 here, $100 here. It was a. fact. I had been tallying, oh, this date. putting this much in for this and so on. And I had told him that like this is how. I wanted to do it. So, it's a checks and. balances. There was no outtake that was. written down. And there was a lot of. money messing. >> Oh, what are you doing? Especially while. she just is pregnant, headed towards the. birth. What did you do? It would usually. whenever we had. >> usually multiple times. >> when we had bills I would go ahead and.

if I didn't have the money I would use. what we had on our envelope bills. She. doesn't she doesn't know your financial. situation. You won't tell her. You won't. let her look at anything. How can you. even say? >> So this happened more than once though. >> Uh no not more than once. >> But you said every time or something. like that. You indicated more than one. >> because whenever I mean. >> whenever whenever's not once. >> when we had bills uh I would. >> I would.

>> plan to not. >> refill it. >> and then whenever checks came around. we'd have to pay bills again and I. wouldn't have. >> the extra money to put back into the. envelopes. >> Was this around the time you were. getting behind on the car payments? Why won't you just let hering look at. your accounts? Just let her look. In the. post show, we're going to redownload. those apps and we're going to look at. them. We're going to see what happened. in there cuz I think we need to actually. go through that. But we do also need to. get into the money now or else this is.

never going to end. Oh my gosh. And it. makes no sense because even when that. happened when she confronted you, you. admitted that you only took 90 out, but. that it's not possible cuz it was only. $100 bills or $20 bills in there. So, you couldn't have even taken 90. You. were lying about the amount. >> Yeah. It wasn't just like 100 or 200. >> anything. Won't do the therapy. Won't do. anything. How long do you think she's. going to stay if you do not change the. things of which she has laid out. ultimatums for? How long do you think. she's going to stay? >> I'd be lucky if it was another month or.

so. >> Yeah. And do you even deserve that? I. don't know. >> No. >> Okay, better question. 0% is you're. staying forever. You're not even. questioning leaving. 100% is you're. walking uh out this building, separating. him. Where are you? Those are the two extremes. We're in the. middle. >> 5% 10%. >> What? After all that just that you put. down ultimatums which are 5%. That's. never going to be ultimatums then. Those. aren't ultimatums.

>> It's. >> what? That's a red line in the sand that. gets crossed every time with no. consequences. That's nothing. That's. nothing. 5%'s nothing. No. No. Why would. he ever change? Why would he? You're not. even You're barely even considering it's. barely even a thought. It's barely even. an inkling. >> I grew up with separated parents like. early on 2 years old. I never had a dual. house like parent household. >> Is this working? Is this dual parent. household working? Is it going to be. better for the kid? This thing.

>> if it stays the same? Absolutely not. >> But you're at 5%. When it's only stayed. the same for years, that makes no sense. Enablement. Enablement. You're right. He probably. will never change. Wow. Okay, so let's. get into the finances, guys. And then on gender. term, >> dude, bros. >> Uhhuh. What do we rate the household. financial score at this point? Zero. being the worst, 10 being the best. >> Like a two.

>> Yeah, two. Yeah, I know. I took the quiz. myself and it I was at a five. >> Yeah, but you guys are combined. So, if. you want to take that assessment, take. it for free at kale.com. Just takes a. few minutes to see where you stand in. the world of money. Where you're doing. poorly, where you're doing great. It is. awesome. And you can improve your life. with it. You can also improve your life. with the Dollar Budgeting app. Tens of. thousands of monthly active users for a. reason. Thousands signing up daily. It. is awesome. It is incredible. You can. see the free trial if you like it. And. if you don't, you can cancel. And if you. do, you can keep going and you can. change your life like many other people.

do. Most people take the annual version. cuz it saves a lot of money. And you get. my 30-day meal plan. This guy right. here, signed by me, mailed directly to. you. Hand me that Sharpie, please, if. you may. Thank you, sir. I appreciate. it. So, all I do is I come down here and. I'm like, "Woo, signature. Let's go.". And then you get it. So, there you go. >> Now, you can't have any excuses for not. being able to meal prep, not being able. to plan your meals. It is based on a. $300 per person grocery budget per. month. It is great. It is snacks. It is.

everything. Okay. So, I am going into these. finances, but I mean I just I have to. know just the baseline of this. conversation where it stands. We've. talked a lot about a lot of betrayals so. far. Is that the end of the betrayals? I. want to at least make sure before I keep. going. >> I want to say no, but that might be. >> to say no. >> I mean, I don't want to say that. Yeah, that's the end of everything. Uh-huh. 100%. You know, >> betrayals though. The betrayals cuz. there's lots of betrayals. >> Uh, I don't know. What about you? How. you feeling? No, I I have a hard time.

talking about finances, but I don't. there's nothing in there that I should. have been hiding. >> Okay. So, like I understand that, but. are are you trying to say that you've. said everything that is needed to be. said? >> I think so. Yeah. >> When was trust first broken in this. relationship? >> Do you want to talk about it? >> I couldn't find that in your Apple. Music. RMI. >> Oh, for sake. What is it?

>> Yeah, if you want, we can talk about it. >> Well, we're definitely going to. We're. here. You guys didn't put that on your. no no list, so Oh, we're talking about. it. Well, what are we talking about? I. don't know. Please don't be cheating. >> No. >> No. I've never cheated on them. >> What? Okay. You seem to be the one that can. put words out of your mouth, so why. don't you try to do it? >> I found out uh when we were looking into. getting an apartment. Uh, we had talked. about financing a home as a first-time. home buyer. >> What? When? That quick?

>> It was like March 2 years ago. No, no, it was March last year. >> March last year was the first trust. break. That's crazy. Okay, that's been a. lot since then. What happened? >> I was talking to his parents about. him uh sending emails to the VA. uh about getting his paperwork and all. that stuff from when he was in the. military. What branch? >> He wasn't in it. >> I had a friend of mine who [laughter].

>> Okay. You weren't in it, but you were. emailing the VA. >> No. >> Huh? >> No, I didn't. I It was all just a story. I had with uh one of my friends who was. in the army. We talked about joining in. together and he was uh older and he had. I got a a letter from saying he died in. active combat. and uh. >> what. >> he. >> How does this break her trust?

>> Well, I'm I'm getting there. And uh so I. ended up using he would cuz he would. send me letters about his updating. through basic and then he would get. deployed and he would let me know how he. was doing. >> Okay. >> And uh I ended up taking those stories. and be like, "Yeah, this is what we did. while we were enlisted together.". >> What? >> You know never said it was both of you. You just talked about it being you. though. >> What? Well, no. No. You took his. stories. Whoa. No. No. No. No. No. No.

No. The stories that your friend sent you, you took about your service. >> Yeah. >> STONE VALOR RIGHT HERE. STONE VALOR. WHOA. WHOA. WHOA. WHOA. WAIT. WHAT? WHOA. >> And did what with it? >> I didn't. >> That's like stolen valor Wait. And. did what with it? What with the VA? >> I didn't do anything with the VA. >> What were you trying to do with the VA? Why are we in contact with the VA? Where. does the VA come into this? >> He was lying about that.

>> About what? I'd never contacted the VA. about anything. I was just saying I was. doing it, but I never actually did. >> Do what? >> Covering up. >> Covering up what? >> Continuing the lie. >> The lie to who? From what? >> About being in the military. >> So, you're telling everyone in the. world, including you? >> What? >> Yeah. Whoa, whoa, whoa, whoa, whoa, whoa, whoa. So, when you started this. relationship, dude was like, "I'm a. vet.". >> Not out the gate. No, it was brought up. >> But it happened. >> Wait, you were telling everyone that you. were a veteran? Not everyone.

>> Not everyone. >> A lot of people. >> Our friend. >> Our friend group. You know what? >> Our friend group. Yeah. Yeah. >> But no, I wasn't going on the ranch down. the street like, "Yeah, I'm in the. service.". >> Mhm. >> I mean, you gave you told the people. that any normal person would. >> What? >> It wasn't It wasn't a good moment for. me. >> Does this friend even exist? I don't do. I even believe that? I don't believe any. this guy's saying. Doesn't even matter. if the friend exists, though. It's like. you're using his stories or just Reddit.

stories you found. You were telling. people what was the point? What were you. doing? What are you getting out of this? This is crazy. This and people think I'm. like antia cuz I talk about the. disability thing on the show all the. time. No, I am a huge advocate and I. want to fix the system to make it even. better for people. They are the best of. the best among us protecting this. country, serving. my not my brother specifically was. >> yes there's pieces of in every. system I'm not saying that in general.

people that are putting their life on. the line for the country you know I. respect them as a collective. >> there's pieces of everywhere okay. >> institution that hires them but yeah. >> well the government. >> okay I mean that just meant nothing is. such a broad statement but. >> I mean that I feel bad for the people. that do get in there with good. intentions and then are brainwashed into. believing that the government is the. right way and the only way and if you. don't agree you leave. >> Well, yes, you have to follow the.

military. rules. >> No, like absolutely. >> regulations. >> there. There is a a guideline. Absolutely. But it's. >> okay. I honestly don't give a whatever. I I'm just trying to say I respect the. out of them as a collective cuz they. have put their life on the line. >> for this country they're serving. It's. called service. >> Yeah. >> And you're mimicking being one. For what. purpose? For what purpose was this.

possibly? I've never heard of this. I. mean, I guess we've all heard of stolen. valor, but I've never actually seen. someone do it. I've never like even. heard a story. It's just it's just like. known, right? Oh, okay. I understand. So, you're a. democratic socialist and you're an. anarchist. I don't know why an anarchist. would pretend to be a. vet. I still don't understand why you. pretended to be a vet. >> It was just a stupid decision on my part.

to try and connect to be your answer for. everything. I want to know the why. Your. why can't always be it was a stupid. decision. Why did you actively choose to. do that? You will never get better if you cannot. figure out a reason why you did. something. >> Because I wanted to relate more to him. and when he told me about the stories. he was passionate about it and I was. like I wish I had a passion like that. about something at least and I that's.

what I wanted to do when I was younger. and then I've had a few injuries where I. wasn't able to do it anymore. I had a. motorcycle accident when I was 18. and I messed my left of my left arm and. shoulder up. So, I couldn't do anything. if I wanted to. >> Okay, listen. I'm going to bleep the. word. So, don't be afraid to say the. word. Okay. >> Okay. >> I'm going to count from uh 3 2 1. Then. I'm going to ask you to do something. You must answer it immediately. >> Okay. >> 3 2 1. What's the name of your friend?

>> Okay. That was relatively quick. It was. bleeped. What? Do you know of this guy? >> Oh, sake. >> No, I was about. >> This is the one that you told me about, but there are two friends. Like, I JUST. >> This is a guy. [laughter]. Why? Why? I was almost I almost believed. you for a second. This conversation's.

ridiculous. This is one of the most. ridiculous conversations I'VE HAD. THAT'S AN HOUR AND THREE MINUTES AND I. HAVEN'T LOOKED AT A DOCUMENT. WHAT THE. IS HAPPENING? And did you at least go to your guys's. friends and tell them that you were a. liar? >> I made that a very mandatory thing. He. had said, "Oh, I'll just send a text. message." And I said, "No, if you can. lie to someone to their face, you can. tell them the truth to their face." So, I told all my friend groups that there.

was a lie cuz that was one of the. ultimatums they gave. I was like, "All. right, that's what I'll do. I I'll tell. them the truth.". >> Okay, Cash App. What's going on with. this? No, this must be a checking. account. >> No, it's my I do my direct deposits and. stuff through Cash App. >> It's interesting. Okay. What are you. getting at Walmart for six bucks? Highly. doubt that's groceries. >> I mean, sometimes it's the occasional, oh, hey, I need eggs or we're out of. milk. Can you grab some for the son? Yeah. If there's a Walmart in your town, I bet there's a Chase.

>> or a Wells Fargo or a. >> anything. I think there's a sister bank. to Wells Fargo. But. >> there might be a I mean, I haven't seen. one around, but it doesn't mean there's. >> Okay, we look, there isn't a chase, but. there has to be some kind of major. branch of some kind, if not a Chase. >> Trying to think. >> Okay. What's the name of your town we're. bleeping at? >> Uh, Indiana. >> Okay. First of all, why why live in such. a not great place? I mean, we're in the. county next to it. >> Great. I don't live where I'm born. because I went to a place with. opportunity. >> and moving costs a lot of money and we.

obviously don't have. >> it cost me about $200 and I sold. everything like and then I slept on an. air mattress for 6 months now it's a. little harder with a kid don't get me. wrong but to just suggest that you can't. do it without a ton of money is. also just illogical people move all the. time. >> and we have one car. >> I had one yes I know it's a different. situation it's but it still might cost a. couple thousand dollar but if you even. go into debt for a couple thousand to go. to a place with opportunity where you. make tens of thousands more that is. often times a worthy for the investment. >> I mean, that's definitely an end goal. for us, but it's not in the picture. right now. >> But if you're not doing anything, it's.

that's not a goal. >> That's. okay. First Bank. I think that one's. pretty big if I'm not mistaken. >> For what? >> Fidelity. You got Fidelity. >> That's a green one, right? >> I don't know. I'm not aware. >> That's big. So, you probably be fine. there. Yeah. National Bank. Yeah. Oh, Federal First Savings. Like, you're. fine. There are major branches. There's. a ton of major branches there. Then you. got some credit unions as well, but. you're okay. >> Yeah, I've I've got an account with one. of the local. >> you go. So, what a stupid excuse. We.

were using remedy center cannabis. 55. bucks. >> Yeah, we've. How much you consuming? >> We don't do it all the time. We It's a. purchase that will probably last us. probably over a year cuz we do super. small portions. >> You will not go to cannabis. for a full year from that purchase. Yeah, we cut them into because they're. all the servings are about that big and. we cut it into 16 pieces and. >> they're really strong. >> They're really strong. It's like 500.

milligrams of gummy. >> Okay. Yeah. Yeah. Gummy. And then. obviously right afterwards went to Donut. Bakery. Makes sense. Bath & Body Works. Mega Replay. >> Replay. >> I don't know what that is. >> Ah. Uh it's a it's where you can like. sell old games or console systems. >> Buy not selling. Uh that I had a really. bad day that day and he had brought me a. gift which is extremely rare. >> Well, not that rare. It was $12. But. >> uh you went there with our son, right?

You got some stuff and you had went like. I think you got like a candle or. something at Bath & Body. >> Corilla. >> Serilla. That is an adult store. Yes. >> Yeah. We like to you know spice things. up in the bedroom every now and then. >> I mean once every other month, >> right? But I worked in the business for. well over. >> every now and then. Am I right, guy? [laughter]. AI girlfriend. >> Golden Buddha. >> Food. >> Yeah, food. >> I assumed. I didn't think that was a toy. of Buddha's.

>> I'd be impressed. >> Yeah, I would assume. Maybe some fat food. >> Okay. Donut, bake, and yeah, maybe. groceries from Walmart. I don't know. You want to take some from. Casey's? I know you didn't get $363 of. gas. >> No, I got a drink from Casey's before I. went to work. Okay, stop. >> LISTEN. NO LONGER. NO LONGER, MY FRIEND. Let me make sure it's the energy. version. There you go. Woo. Let's. >> That cannabis has you. What kind of. reflexes were that? You say people are.

intimidated by him? That was the worst. I've ever seen. Dude, let it fully hit. his nose and run down his face before he. even moved. >> I probably would have, too. I'll be. honest. I get bad reflexes. I jump. scared, though. >> Well, yeah. I'm sure you're medicated to. death. Listen. Oh, come on. We. >> Oh, come on. A little bit of. keeps me cool. I'm fine. >> Smiercing therapy four times a week. I. know you're medicated. Self diagnosis. I. know you're desperately medicated. No longer. You are using the gamer subs. It is 40 cents a serving after my. discount code. Link in the description.

below. Gamersubs.gg. You're using that. If you want to figure. out other flavors, you can get free. samples at that using my code. Then. figure out what what you like and you're. making your energy drinks at home now. instead of stopping in and getting some. when you can clearly not afford. it. >> Okay. >> It's delicious. It legitimately is. >> Every guest has enjoyed the of them. Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through.

Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a [music] promise. Guys, just real quick, don't forget to. take your Hammer financial score at. calebammer.com. See where you stand, where you got to do better, WHERE YOU'RE. DOING LISTEN, it just takes a few. minutes and it is free. Figure out where. you stand in the world of money. Caleb.com. Send some money out. Nintendo. again. >> That was one of the Nintendos that we. talked about.

>> Yeah. I mean, this just happened like a. month ago. Uh, air or vacuum. Okay. Yeah. I mean, that's Air. That's okay. Walmart. Nintendo again. How frequently? What are we doing? It's. a Okay. Air again. Okay. How. many times are we getting air? >> When I had my flat Well, I have our car. before I got its engine tore up. I. hadn't replaced the one. >> Uh yeah, the car has been in the shop. since the beginning of the month. >> Yeah, that's brutal. Send money out. BMC.

CPE BMC. It's $200. >> That is our energy. >> That's our energy. Okay, fair enough. >> Center point energy. Knobill Tavern, High Score Saloon, Insomnia Cookies. If. you have an Insomnia cookies, you have a. major bank. And we also That was like. the first date. Cookies. >> Yeah, we That was the first date night. in what, like 6, nine months, something. like that. >> Something like that. >> Okay, that wasn't the point I was. making. Nintendo. again. 20 bucks that time. Nintendo. stacking up. Liquor. Wonderful. Wendy's.

Honeymoon. Waynebach. Wendy's. >> Oh, Waynebach. >> Wayne. Yeah. McDonald's. Getting some. A lot of Maybe gas. That one actually looks like gas. Air. again. I understand why. Maybe. groceries. Definitely. I think gas. >> Does that say ruler fruits? >> That's a grocery store. >> What do you want? >> Ruler fruits. That's a grocery store. >> I know. When he's getting like $3. I bet. he's getting a little drink. >> Yeah, it's a drink. >> Oh, [clears throat] okay. >> We judge it by price typically. See,

this might be groceries. 16 bucks there. Yeah. >> Uh, Sonic. Culver's Dota Bakery and sex. toys again. Double sex toys. >> Is it like7 to $20? >> We're ramping up. >> Uh yeah, we recently talked about him. just going to get something and then. using it and then not saying anything. and not initiating. And that's half of. the problem. >> What are we getting? >> Uh like a pill, like just pills to help. with. >> stimulation. Yeah. >> You're the struggle. So, you want to be.

>> um I. >> Wait, then why are you getting a AI. girlfriend? >> I thought it was because she wasn't. given. >> Oh, yeah. No, I definitely It wasn't on. It wasn't on the front burner, you know? I'm taking care of the kid. I'm staying. home. I'm also working. I'm also trying. to take care of. >> Yeah, but he's the one that can't get. excited. >> I mean, >> I mean, I get it when I'm like overly. stressed or tired. And like that kind of like counter like. adds into that that. >> cuz I I know they're doing the best they. can with our house and.

>> and. >> probably believe that name. But yeah, I. assume that's the kid, right? >> Yeah. Sorry. >> It's okay. 255. Is this your checking. account? Up from five. >> Uh Harry. Yeah, that's me. >> That's okay. It started at five. That's. scary. >> What? >> Groceries. >> Oh, is that the honeymoon? Cash app. Cash app. Cash app. >> Uh. Spotify. Maybe food. Maybe groceries. Cash app. out. Cash app. Cash app. Cash app. Groceries. Groceries. I mean, it's just.

dangerously low balances. It's very. scary. >> Yeah. I mean, >> luckily, no overdrafts. I'm surprised. >> With the previous job that I had, the. pay was constantly infrequent. One week. I could get $100, the next paycheck. would maybe be $900. >> Yeah. But if you guys combine it would. be less of an issue. It would. But I. mean, when we were paying for the. wedding, it was me paying for. everything. I paid for the rental. I. paid for most of the dress. I had a. friend help. And then his grandparents.

paid for the. >> Wait, why didn't you step up and pay. anything? >> He was paying the bills. >> I was paying the bills. >> All the bills. >> Yeah. >> No issues, no late, no problem. Okay. Would you even know? >> Uh, there were a few that were late. There was one time we were like a day. late on the energy bill. >> I was never like super like a week or. two weeks late paying the bill. Yeah. >> Why do we split it like that where you. buy everything including the wedding. bands and stuff? >> Because my income was super infrequent. I couldn't rely on my check to. >> But if you guys were combined, you'd be. able to actually. >> Yeah, I I.

>> listen obviously I want you guys to know. somewhere better opportunities, but I'll. get both of you course career. certifications. A lot of people in the. audience have converted those into six. figure jobs. I'd like you guys to as. well. Just be strategic about which one. you're getting. Look at the job market. Get you guys that. Also, buddy, listen. We got to build your credit. I'll get. you the mine. Used to be called Fizz, but the mine card. >> debit card that builds credit. Can only. spend what's in your checking account. Clearly, you have issues with that. >> It's another cash app. Whose cash app is. this? Zero bucks. And this must be. yours. You're transferring to it, right?

>> Yes. Yes. >> Okay. Well, you're getting on. here. >> Goodwill. I mean, that's probably okay, but people can get there. Sonic. >> It was probably closed or something. MCDONALD'S. Come on, buddy. Literally $80 in that collection. account. Why couldn't you just pay $80? >> I when they called me about the. overdrive the. >> score for like 15 points. 80 bucks. >> I didn't I didn't about them. Uh cuz.

while. >> you didn't know. >> several I didn't remember until they. called them cuz. app credit any any credit. It's. everywhere. It takes 5 seconds. >> What? Any kind of personal. responsibility like advocating for. yourself doing anything? >> I have a hard time getting stuck in the. rhythm where I'm just worried about. dayto-day instead of. >> instead of downloading an app for 3. minutes. >> being comfortable.

>> Yeah, I think it's the sense of comfort. I don't think you like a little bit of. un being uncomfortable in life, but you. don't get that choice with a child and. wife. >> That's true. I I definitely need. >> Well, I'm glad you know you need to. Now, if only you could do something. >> ever once. Sick, man. You can download an AI. girlfriend and sign up for that. subscription, but not download and set. up for Credit Karma. >> Yeah. >> Yeah. So, 80 bucks in that one. What a.

joke. I don't even It's so stupid, man. So stupid. Okay. Yeah, I don't know what Spring El. Capital is. Let's see. Original. creditor's name Bank of Missouri. So, you probably had a credit card with them. or some kind of loan, but you owe 662 to. them. How long has this been in. collections? >> Oh, it's from when I was in a past. relationship. So, I. >> honestly, >> huh? >> When was that? About 3 years, 7 months. ago. So, it's still going to be on your. collections for a very long time. And if. we want to get a house, if we want to.

get additional apartment together, whatever it is, it's going to you. >> Was that one of the payday. >> you? Oh, is it? >> I don't think so. >> AT&T. AT&T. Why'd you let AT&T go to collections? $367. I think that's when uh I was trying to. get out of my. uh. phone plan and I was paid off my phone. and I was trying to get out of their. contract and I had paid my last month. and they still I said I owed something.

so I didn't I didn't know. >> you just let it go so that it would you. in your entire future life. This is this. has been seven months man. Seven months says it's been in. collections at least. I'm sure it was I'm sure it was and not. paid much longer before that, but it was. at least sold to collections, I think. >> Wait, wait, wait, wait, wait, wait, wait, wait. Is that when we switched. from individual phone plans to uh. cricket.

and you said that you were on your. parents plan? >> Trust me, I'd rather do Helium. You said. you were in a parents plan. >> and that they were paying for your phone. bill. >> Is this another lie? Did we just learn. another lie? >> I don't remember saying I was on my. parents' phone plan. >> You may not have remembered now, but I. do recall you saying, "Yes, I'm on my. parents AT&T phone bill and I can just. transfer it." And then you had a problem. trying to get into the account and get. the number transferred over. So, you got.

a new number. >> Guys, therapy is great. Have we. considered couples therapy? >> I have mentioned it. >> You've mentioned it. Very good. And you. won't because. >> I never said we haven't picked a. therapist to go to couples cancer. >> Just haven't picked the therapist. >> I have told him that there are. therapists at the office that I go to. that do couples coun. >> So what is the issue guy? >> No, if we if we can set up a couple's. therapist appointment. I don't have an. issue with that. We just haven't done it. yet. >> So if she doesn't do it, it will not.

happen. I need to get better about taking it. >> needs to get better. Another solid 10. out of 10 answer, guys. I'm glad you. know you need to. Why the don't you? >> Yeah, that's something that we talked. about at the beginning of the year. Uh. New Year's resolutions, whatever you. want to call it. Uh I had asked him how. he wanted to improve this year and. >> stick it in more. >> He said he wanted to go to the gym. Respectfully, I get it. However, my. resolutions were a little bit more.

concrete, more financially based. >> Yeah. You're also not like horribly. unhealthy, [clears throat]. >> if at all. You don't look bad. >> I was like, I mean, I feel like it, but. >> Well, yeah, maybe. I'm sure I'm sure. your cardio is bad and stuff like that, you know. Maybe it's like, you know, but. like for you're not a bad looking dude. So, um, like a gym's good. Go on more. walks. It's nice up there half the year. Go on walks. Yeah. >> Okay. >> We've definitely been doing that lately. now that our kids like.

we're going on go going a couple miles a. day. >> like 15 15 a mile pace. Okay. Very good. So 15 minutes. So good. Do that. No gym. necessary. >> Gym if you want, but that just shouldn't. be our. >> I don't want to say it's not important, but there are things that are getting. the marriage is getting destroyed and we. need to prioritize that. >> Okay. >> Yeah. I need to put stuff like that on. the back burner. >> You just found out that his mom's paying. his car insurance at 30. >> quite recently. Yeah.

>> What the Why do you keep finding out. things still in our marriage? >> The car was in the shop and uh I had I. actually addressed this with her. directly and I was kind of pretty much. saying why are you enabling him? He's an. adult and she's too, >> right? But he's his mommy and should be. letting go. And. >> you're acting like his mommy, too, though. >> And I don't want No, I get it. But I. >> You don't want to, but you do with no. with no stop. And you're 5% leaving. Yeah, good luck. Sorry. Continue.

Continue. I'm interrupting. >> I point out his flaws, but and that I. say that he needs to change and that. it's for the better, but the drive just. falls off. It's like you go to sleep, you wake up, and then the the drive that. want to change goes away. Bro, here's a. direct quote from your application to. come on the show. I'm far from perfect. and aware that I get upset and overreact. at times when I feel like I'm being. manipulated with crumbs. of the truth caked with lies when it. comes to our finances.

>> Yeah, I do. It's It's the fact that I. just find out that his mom his parents. are. >> He's manipulating you and he's like. being like, "Oh, I'm Close your ears.". No, no, no, no. So, don't like I can't. be that bad. Oh, no. I'm just a delicate. little flower. Oh, hello. >> You're just allowing all this. manipulation and him like, "I'm going to. get better. I'm going to get better. Oh, yeah. I know I need to get better. I'm. going to do all the nothing." And you're. just allowing it. Red line in the sand. Push back a thousand miles.

>> I'm a pushover. Yeah, sure. >> I mean, I don't You don't deserve that. I I definitely need to do. >> Okay, you have another one in questions. $1,332 and 1,100 or 1,998. Very good. Okay. Student loans. We got some student. loans. Hi. >> Hold on. Do you not have debt or is this. the student loans? >> No. The student debt is my debt. Um I. >> That's it. And then everything. >> No. No. I've got I got more collections. >> Oh, you have collections, too? Wait.

Okay. Is the,998 you? >> The who? >> 1,998. >> What is that from? >> I don't know. It doesn't say. That's. from uh. when I was in my past relationship with. my partner. >> We had a lot of issues and they weren't. wanting to help pay with bills and. >> Oh, it was her who was the problem. >> I'm sure you had no issues. >> No. And then uh I. >> convenient on this show how everyone is. not the problem in their past. relationships. >> I caught a.

signed up for a secret shopper job and. I've been trying to get that one. uh. what. >> what's the word? >> I don't even know what a secret shopper. job is. >> Somebody goes into a store and kind of. like surveys how the customers are. acting or like how the the employees are. treating guests and how the store is. clean or not so clean. It's Yeah, I've. been in retail my whole life. I I see. it. I know. >> Okay. Okay. You got student loans? >> Yes, I have two student loans. Uh it's.

from when I. >> combination of 4,448. No degree, right? Uh, no. >> Well, you'll get a certification. That'll be good. >> I've been trying to take some. bookkeeping courses during downtime and. that has since been negated. >> I know that's hard. >> Here's your collection. So, we got 761. >> That is the old Verizon bill. >> You wouldn't pay your phone bill either. >> So, that was not in my name. That was in. my ex's name. And I have been trying. >> in some way. You were on it as well. >> It.

>> together maybe. I don't know if he. transferred it to my name without my. knowledge after we split up. I had left. Verizon. I had left Verizon and. transferred to Mint Mobile. >> Doesn't matter. You may have still owed. some money or a contract break fee. I. don't know. You may have still owed on. the phone. >> No, the phone was paid off. >> Well, I don't know. You called them. >> I've been trying to like defer or not. defer. >> She hasn't even called them. She hasn't. even called for Guys, I cannot advocate. for you if you will not have a phone. call with the company that you owed.

money to. Uh, I think I've actually got. an email that is from them, but I have. been trying to dispute. It. >> doesn't matter. Why did you not at least. I I I get the dispute. That's an. important stuff. Why not call Verizon? Hey, why do I owe this? Oh my goodness. How could you not start with the most. basic thing? I cannot advocate for you. if you can't even make a phone call. >> Uh, >> that's as bad as him out there. >> So, that one is under my dead name. Um, and with my legal name change, I don't. know if they're going to try and fight. it. So, >> you get a name change. a legal name. >> Yeah, they changed their name.

>> Oh, you do have a dude's name. No, wait. No, you don't. Well, uh, no, no, no. It's like the middle. >> I mean, I'm. >> You can go either way. >> Believe it, but Yeah. >> Yeah. >> Yeah. Yeah. >> Yeah. >> I know. >> Okay. Well, either way, just make a. phone call. I don't know. Tell him, "Hey, I'm trans and like something. happened. My name, >> sorry, but I also have like I can show. you. It's me. I got my social security. number." That doesn't change. >> Correct. >> Okay. You have collections 2,164 as. well. >> Uh, is it the same as that one?

>> Uh, no, it doesn't look like it. >> Okay. There's one that says Bolinsky. Uh, >> that one didn't say. This one says. Bolinsky. 1,023 is Bolinsky. >> And the next one is a duplication of the. same thing. >> 212. 221. >> There's one that it's the same exact. amount and it's from the same place. >> We I think we got rid of the. duplication. I've been fighting that for. so long to dispute it on Credit Karma. and they're just like, "Well, there's. nothing we can do about it.". >> Well, Credit Karma, no, you might have. to be in touch with the actual bureaus. >> Oh, look. Oh, I didn't I didn't.

even think about that. There I had my. identity still. >> Yeah, there are two. So, I think we. threw it away because we thought it was. double. >> No, there is two collections. Two. separate amounts from that. >> Oh, two separate amounts. So maybe the. 2,164 was. >> either way charter you also owed. >> uh 221. >> spectrum. Yeah. >> So what whatever is to what doesn't. necessarily matter. We know we have all. the collections and at this point you're. just going to have to negotiate them. down or get on payment plans, >> right?

>> That's what it's going to be. But we. need to budget you. >> Mhm. Let's. >> try to budget this household. This. doesn't work if you guys you don't have. to fully combine every account, but I. think everything should go into a joint. checking and then disperse from there so. we can at least decide where money is. going. We use dollar-wise to understand. where everything's going, >> right? >> You use your certifications, you get. your education with master money. You do. you take advantage of all the tools like. every guest has and you change your life. like they have. But it doesn't work if. you guys don't communicate. You need to. go to couples therapy and she shouldn't. be the one that has to book it. Like. stop being a little boy. You're being a.

little boy. And then I'm sorry for the. gendered term, but you're acting like a. child. There we go. Okay. So 5,000 comes. in. No debt minimums because they're all. in collection. Well, student loans. Is. there a minimum in that? 4,448. >> They're active, so I'm not quite sure. >> But you should call them before it. defaults and then they garnish your. wages. >> Okay, I will. I mean, I guess I I don't. know. Like, it just it just started. reactivating with the the I don't know. like something fell through. I don't.

Everybody. >> something fell through. >> So, I know that most people whose. student loans were neutral, they weren't. gaining interest, >> deferred. Yeah, they were on a deferment. because the Supreme Court said no. So. Biden. >> Yeah. deferred it for about what was it. like a year and a half. But that's been. done. >> It's been done for a while now. >> Right. So mine just started re regrowing. the interest. >> Well, you can look at the new repayment. assistance plan. >> Yeah. >> That was passed into law through the one.

big beautiful bill. Well, you don't like. it. However, it's going to help you. So. cry about this. Like, okay, listen. I I. don't like spending more than we bring. in either, but you're going to This is. actually helping you, so you can't. cry about it. It'll bring you. down to like even as low as 1% of your. income being your payment. >> Okay. Oh, that's actually not it at all. Yeah, that's doable. >> It just extends the term you have to. have before it's forgiven. But that's. fine if you're only doing 1% cuz you. shouldn't be as subsidized as you you.

don't need to be. You're making your own. career choices and spending money you. don't have. So you. >> So what does it say the minimum is? Okay, let's put your debt minimums at. 100. I don't know. >> Okay. >> What's your rent? >> Uh 72. >> Yeah, 702 with the the charge fee. >> Okay. What about internet, gas, electric, utilities, all that combined? >> We don't just about. >> uh with gas. >> I saw utility payment. >> Uh uh CPE is 21075. The water bill is around 100 a month. Uh.

we are just getting internet installed. actually this week. Uh. >> 50 I think. >> Safely say 60. >> Okay. I'm going to say utilities is 371. >> Phone bill. >> $90. >> Huh? >> $90. >> Okay. >> Mhm. >> Gas vroom vroom. Drive one car. But how. much should we spend? >> 100 a month. >> I was insurance. How much? >> I want to say probably. 130. You want to text your mom to double. check? >> Yeah, I can go.

>> Oh, she pays for it. >> So, I'm crossing it out for now. Does. she want you to pay for it? >> I can. I We've been talking about. getting it transferred over. >> You don't need to. I would like you to. eventually, but I want you to pay off. your debt. >> Get out of this collection situation, >> but they haven't given me a deadline of. when they want me. >> Maybe on Titty. >> No. >> No. He's eating our food, too. >> Yeah. >> Okay. We should be able to do about 750. bucks in groceries. Meal plan. Meal. plan. >> Oh, yeah. >> Yes. >> Yeah. Yeah. Use thing. >> Yeah. It's a regular thing. Yeah, 750 is. good. Okay, TP found anything else you.

guys need to survive includes diapers. and tampons and all that good stuff and. makeup. 250 bucks. Gym, how much? >> Oh, I was going to go to Planet Fitness. I. >> That was your New Year's resolution. 3. months in. You haven't signed up. Oh my. You can't do anything. Okay. How much is. Planet Fitness? >> 10 bucks. >> Yeah, that's for a basic membership, I'm. pretty sure. >> Okay. Medical healthcare co-pays. I know. you go get diagnosed and medicated for. everything. So, >> uh, co-pays for me are free, but monthly. it's like $119 a month for my, uh, >> anything on your insurance.

>> medical that I have to think about. monthly. >> Uh, no, since. >> 19 subscriptions, I'll put 40 bucks. You. have any pets? Please don't. >> Yes, two. >> Why do the poor people always have pets? >> Uh, what are they? >> Cats. Health and age. >> They're seven years old. >> Oh, yeah. Okay. $100 pet insurance. How. much for pet food? Uh, I think pet food. is about. >> about 30 bucks and and litter as well. and litter. >> Yeah. No, a h 100red bucks a month. covers litter for and food for both of.

them for a month. >> Okay. >> Anything else that needs to be in this. budget? This lovely little budget before. >> uh Spotify. Uh. >> I I gave you $40 of subscriptions. You. decide where that goes. >> Yeah. Yeah. >> $3,32. You have an extra Let's just be. conservative and say $1,750 off on a. monthly bas. So that's if you're. actually combined cuz independently. it'll just get messy and you'll never. know how much you have left over. Just. save up a couple month emergency fund. that takes literally a couple months and. then start negotiating these debts. Say, "Hey, I have this much to settle.

actually." Or just pay them. Most of. them are small. When it comes to the big. ones like the 2,000 and the 2,000 and. 1,300, yeah, let's do some disputes as. we can. But even still, just be like, "Yo, I got a,000. That's all." Just keep. doing that over and over again. Never. give them access to your bank and just. settle. You'll pay off this. You'll pay. off this collection in a matter of. months. Then save up a fully funed. six-month emergency fund and then start. doing 50 3020 which you guys even can on. your income in that cheaper area. 50% to. needs, 30% on fun, which is a decent. amount of money, 20% saving for.

retirement. You'll be fine. My goodness. I don't understand why you guys over. complicated this. It is because of your. behavior. Uncontrolled spending because. you guys can't communicate, which is. what you guys actually need to focus on, which means go to couples therapy. tomorrow. going to get the Hammer. financial score. But remember, join us. for the post show. We are going to. download that app and we're going to see. what was being done on it. >> We're going to let her look through your. phone as well for the first time ever. It's going to be a groundbreaking. moment. Hammer financial score spending. in a budget.

>> H. we spent 4,648. The income was 4,788. Negative. >> Okay. Oh, but cash app launch loan draw. of 1,190 was a part of the income. So, you spent more than you made. Zero out. of 10. [music] Debt collection, zero out. of 10. Emergency fund, nothing. 0 out of. 10. Retirement, nothing. Zero. Oh, wow. Everything says zero. Hammer financial. score, zero out of 10. Get yours at hammer.com. Join hammerly. for three premium shows every single.

day, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, and get an. extra 20 minutes of this show called the. Financial Auto Show. It's going to be. good. I'll see you there. Download that. NOW. Is it giving you a little. tingle reading it? >> No. >> What's he saying? >> I have face palm as I remove my hands. >> Do you have a reason why you say you. struggle to initiate but you can't have. a conversation? >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated.

shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the [music] best membership you'll ever. join. That's a promise.