The Worst Finances In Financial Audit History

In what in world did you guys think you. were ready to bring in a child into this. world? Mindset is that. Oh, you weren't. paying them, your mother was. >> But they were still being paid. >> not the point. If you guys can't even. survive on your own, how the [ __ ] do you. think it's time to be a parent? >> paid house. >> your mom was. Are you not able to. understand this? >> What. >> What paid it off? I haven't seen paid IT. OFF EVER. WHERE'S THE PAYOFF? SHOW ME. THE PAYOFF. I DON'T SEE IT. WHAT ARE YOU. TALKING ABOUT PAYOFF? YOU'RE A. DUMBASS. HOW CAN YOU TELL ME YOU'RE. PAYING WHERE'S THE PAYOFF?

>> IT PAYS OFF. You pay You pay Look, okay. No, it literally does not show up. It. does not show up. >> Pay child in there. Your mother's. Good luck in there. You're. The summer budget reset is now live. Get. a full year of Dollar Wise Premium plus. my four best-selling educational courses. and a digital copy of my budget-friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to.

you. This is a better deal than we've. ever done before and it's only for a. limited time. It is 67% off everything. So don't wait until that first pool. party to get financially ripped. Click. the link below, save big, claim your. bonuses now. >> Hello, I'm Jessica. I'm 32 years old. >> Hi, I'm Angie and I'm 31 years old. We're from North Dallas. >> And this is financial audit. >> Okay. >> Too stiff? >> Oh, I don't know. Are you scared? Like.

Well, thanks for coming on. >> [laughter]. >> Oh, what? >> Well, I don't know. You're excited about. something. Jessica, what do you do for a. living in North Dallas? >> Truck driver. >> Wow. >> Yeah. Semis. >> You're not a You're You don't do. conversations, do you? >> No. [laughter]. >> Well, good thing you came ON A PODCAST. >> ALL I DO IS TALK to her. >> I'm the one that talks. >> Oh, yeah, and she does all the talking. for me. Are you on the truck as well? >> Yep. >> Okay, do you guys truck drive together?

>> Yep. >> Is this how this works? Okay, so how. does this work? How does this look? Is. it one paycheck, two paycheck? How does. this work? Are you getting paid for the. route? >> Separate separate paychecks. Um. >> not in the same truck? >> We are in the same truck. >> Why is it separate paychecks then? Are. you not just completing the same route? >> We're two people. >> I know, but it's not paid per route. Okay. Okay. Listen, I mean, I'm not a. truck driver, I don't know. You tell me. Educate me. What do you make, Jessica? >> I make. um. I'm going to say 13. >> What are you going to say? How about.

like what you actually make though? >> It varies. But the average is 13 a week. 1,300 a week. >> Very good. Is that what hit your account. or is that what you make before tax? >> That's what hits my account. >> Okay, 1,300 bucks a week. Okay, very. good. Angie. You paid the same? >> No, make the same. >> You make Okay, very good. >> truck. We drive the same. >> Right, I did get that fact. That is. true. Uh but I wanted to make sure. So. that means the household net income is. $135,200.

Well, $135,200. a year. That ain't bad net. And in suburbia, Dallas. Now north, you. know, the north Dallas area is where it. gets a bit more expensive in like the. suburban life. But listen, >> I kind of swore we made more. >> We do make a little more, but. >> Then why would you tell me that number? I would like to know how much you. actually make. This is financial audit. where I audit the finances of which I. would need to know your income before we. do anything. Would you like to try again. and tell me what your income is? Should.

we do part two? >> varies. So I put average, >> Okay. Well, if that's if that's average, you wouldn't make more. >> I beg to differ. >> of a year, that's not average then. >> I beg to differ. >> She doesn't handle the money. >> Okay, well, you don't handle the money. So how would you know? >> I would just swipe the card. Boom. >> That's how you beg to differ? You swipe. the card. That's an interesting. argument. >> Cuz I think I make more money. >> I'm about to make myself [ __ ].

You think you make more money. Do you. make more money? >> more money. >> Are we married? >> Yes. Yes. >> Congratulations. How long? >> Hit a year. >> In March. >> Okay. How long were you dating before? >> Uh. 2020 2021. So, 5 years. >> Okay, yes. Very good. Okay, well, that's. actually kind of low and slow. >> Yeah. >> For les this one situation. >> [sighs]. >> Well, that's good. Well, welcome to. being responsible, I think, right? Is. that what you were trying to be? Were.

you trying to be responsible? >> Maybe. >> Okay. Oh, you were her trucking. instructor. Oh, you like groomer a little? >> No. We're best friends for a year. And then. >> You're her driving instructor. Okay. >> Only for a month. >> And were you best friends before that or. after that? >> No. I met her in the truck. >> We met in Chicago. >> And you locked her into your. your semi? She hasn't been able to leave ever. since?

>> Well, I was quitting becoming a. instructor and moving to just driving. regular, and she needed a partner. >> What kind? >> I needed a trucking partner cuz I was. about to get out. >> together and then all of a sudden. one night we got a little. >> instructors get a new student, and then. I have to go off and find my own partner. to drive with, and I didn't want to do that. >> Yeah, I was saying you guys were driving. for a full year together, and all of a. sudden someone made a move.

Got a little [snorts] juicy. A little spicy. >> Just a little bit. Just mild mild spicy. >> Okay, so what's going on, guys? What are. we talking about? I guess I don't know how much money you. make, but well, I said, "Oh, no, Jessica. says this is how much you make.". >> Yeah. then I trusting Jessica? I I feel. like I'm trusting Jessica because Alicia. looks at the account and being told you. don't, you just swipe, right Angie? >> Mhm. >> Dang, swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe. That's what. she's singing song Christmas.

She also calls it the magic money card. >> Never runs out. >> Wow, that's someone I would want to. attach the rest of my life to. Why the [ __ ] did you pick that? That's delusional. >> Just look at me. >> What about you? I can't tell which one. looks more like a man. Like I don't. know, what am I supposed to be doing. here? >> Oh, rude. >> Kind of, I guess. Not really. I mean. you're lesbians. I mean you you get it. Lesbian truckers, what what what else am. I supposed to do here? Come on. >> We're here because my wife got pregnant.

by a man. >> That is usually how that works. >> Another man. >> Well, gay man. >> Yes, she had another man. >> I mean you were the one that just got. insulted when I said you looked like. one, so. >> a man. >> I mean I knew that. You know that? Okay. >> But. I did. >> I knew I knew I knew. >> Oh, you figured it out. >> [snorts]. >> Okay. >> a little bit. >> Well, yes, that is usually how that. works. The nut of a semen from a penis. attached to a man is usually how.

a woman such as yourselves gets in. pregnant. Well done on that. >> Thank you. >> you find the penis? >> Uh, Facebook. >> What in the [ __ ] are we doing here? You. know about the penis? >> I do. >> Oh, you know about the penis. >> I picked them. >> So you consented to the penis. >> Yes. >> You picked the penis. You helped pick. the penis, penis picker? >> Yes. >> Woah, woah, woah, woah, woah, woah, woah, woah, woah. >> We looked into pregnancy. We looked at. how much everything was going to cost. We thought about IVF. >> Oh, it's expensive. >> Way too expensive.

>> guys make good money, but go ahead, continue. >> Way too expensive, so I took the. opportunity to look on Facebook. >> There's Facebook. >> Yeah. >> Facebook Marketplace not. Not Marketplace. We show up to the. >> rude. Oh, okay. That makes sense. Yeah, there's sperm donor groups. Okay. Thank you, Zuck. Providing. Very good. Okay, so what did you find? I. don't I don't know. I've never done. this. >> Uh well, we found a lot of creeps. >> Who would have thought? Not me.

>> So, we had to filter through all that. cuz they like. >> What? They just want breeding. >> Mhm. >> things? >> Yeah, and most of them they want to do. it all natural and stuff. >> Oh, yes. They want to stick their penis. inside of you. >> So, we got to absolutely not. >> Yeah. >> [laughter]. >> I guess that wasn't that wasn't an. option. >> Yeah. >> Oh. >> Oh, well, so what did we find instead? >> Still a lot of creeps. >> So, you selected a creep? >> No. No, he. >> that's where you would answer, so what. did you find instead? >> He's very nice.

Found a nice man. A nice a nice. 27-year-old. >> Y'all, let's see what this guy looks. like. And how much did you give him? >> It was free. There are people that charge. Like we um. >> What's the point? >> They. >> Why did he do it? >> To help. He likes helping people. He has um. >> Okay, I mean definitely incel, but the. thing is. the incel, I feel like he would do that.

so that he could like have sex, but like. you guys didn't have sex. Um. Okay, you guys all friends? How far is. he Do you guys like live next to him? Is. he going to be a part of the kid? >> No, he lives. 4 hours away. >> Okay, so he's going to be a part of the. kid's life? Is this going to be. complicated? What kind of rules and. regulations did you do paperwork and. [ __ ]. >> lot of paperwork. >> Okay, a lot of paperwork that was. legally approved or was it downloaded. from lawyer.com? >> I mean, it was notarized. >> Oh. Oh, notarized?

>> Yeah. >> Officially notarized? >> Yeah. >> Actually, okay. Okay, okay. Well, not. that they not that a notary specifically. would say that, yes, this document is. going to hold up in a court of law, but. you know, they validated that at least. it was signed correctly. >> Mhm. And he plans to give us three more. >> What is he getting out of this? I'm so. confused. >> He's helping us. >> He just helps people. He's very nice. >> So, he just wants to spread his seed all. all over the world. >> Mhm. >> All over. >> Think he has like eight kids right now?

>> Two on the way. >> And that document it also says you. cannot get child support, correct? >> Correct. >> Thanks for him. Oh my goodness. Wait, wait, I don't understand this. What this. is a weird passion for him. >> Although somebody is doing that to. somebody else right now. >> Well, yeah, no [ __ ]. That's what I would be. nervous of. Okay, so he's not going to. be involved again. So, listen, are we. even ready for a kid? I don't understand. how we're going to do it. You want a. different job or you going to stay home? I don't understand. What are we going to. do? We live in a truck all day. Are we.

long haul, short haul, what are we. doing? >> Oh, long haul. >> Kind of long haul. >> Kind of long haul. >> Kind of long haul. >> We're on the road four days out of the. week and then we're home three days. >> doing a newborn, especially two, cuz. you're going to do it again immediately? >> we switch off. >> With the incel? The incel nut? You know, these kids are going to be shooting up. schools left and right. >> Mhm. >> No. >> No. >> Okay. >> believe it. >> If we're long haul right now for the. next two months. >> Three months. >> You give birth in three months. >> I want to go all the way to the.

>> Oh, you both tried to get pregnant at. the same time. How the [ __ ] are we going. to do that? You You wouldn't be able to. do that. You know, for long haul if. we're. almost long haul trucking, how the [ __ ]. are we going to do that? >> We'll figure it out. >> Oh, what an answer. Let's know, what was. the what was your plan, guys? And if. that's actually your answer, then you're. a selfish. >> I You just roll with the punches. >> No, okay, well, then you're a selfish. cuz the kid's coming to this world and. we're just going to roll with the. punches. You don't prepare. You don't do.

anything. >> You roll Roll punches. >> Roll with the punches? You have a kid. plan for the kid. Make the kids life. good. >> a plan, but not. >> Okay, then what's your plan? What's your. plan? Even not too much of a plan, what's your plan? >> with the punches. >> That's your plan. Okay. So. >> Until work says she. >> You're laughing. That's funny. Your kids. not going to have a plan. Kids not going. to have any parents [clears throat]. around them. >> There's a plan. She just doesn't know. the plan. >> Oh, she doesn't know the plan. The. person who also tried to get pregnant. and wants to get pregnant next. What's. the plan? Planner. >> Plan is one person we we make enough. money for one person to to work.

>> Maybe. I don't know. What's your odds? >> Our rent? 1,200. >> Yeah, yeah, you could do one person. Okay. >> See, that's the plan. >> Okay, well there's usually more bills. than one person. I mean I have a stack. of debt. Why are you in debt if you guys. make so much money? So [ __ ] you. What's. the plan? >> Roll with the punches. >> Shut the [ __ ] up. I will murder you. >> I'm telling you roll with the punches. >> plan. She said she knows the plan. You. don't know the plan. You've never heard. of a plan in your life. >> You go. as the. >> Is that how you got here? >> Yeah.

>> Yeah. I don't think that worked very well. >> You're on financial audit, [ __ ]. >> went with. >> So you, what is the plan? >> What with our first one or with more to. come? >> What's your both? >> Okay. The first one, my ideal plan is. roll with the punches. >> Stop saying that. >> I'm going to I'm going to still do. trucking. but local, which I'm be home every day. and I want her to get a job that at. least makes $500 a week.

>> How are we taking care of the kid then. if we're both still working though? Full time. >> There's daycare. >> Okay, you're put you're doing immediate. daycare at zero. >> Mhm? >> Okay. >> Or I have to be able to afford that. That's expensive. I could have maybe my. brother. He he's a. >> He's a good breast feeder. Um. Yes, yes, yes. Pump into the fridge. I. know. I get it. >> I And also I'll be working overnight, so. during the day. No. >> What? Okay, so you take care of the kid. at night? When are your days off?

>> to go to bed sometime. >> Cuz you got to Yeah, you have to sleep. Exactly. That's what I'm saying. Like. what What When's your time with the kid. then? What? You're You're literally a couple. months away from giving birth and we. have no idea how the [ __ ] we're taking. care of this kid. That's kind of selfish. just cuz you guys wanted to have kids. I. want everyone to have kids who wants to. have kids, but you got to at least think. of what the [ __ ] life looks like. >> No we're not. >> immediately going to get pregnant again? Also, weren't you the one got that. pregnant? When you both took the nut? >> Mine didn't hold. Clearly.

>> Hold? >> Yeah, it didn't take. >> Oh, it didn't take. Okay, well, that's a. little different. Oh, I thought you were talking like. miscarriage. I don't know. Hold? >> Yeah. >> You got a miscarriage? >> a No. >> Oh. >> You got a. in you put it inside. >> Okay, so we have no plan. >> We do. Thought my plan was pretty good. >> You're. >> You roll with the punches. >> How are you seeing the kid? How are you. taking care of the kid? I I feel like we. don't have anything here. And you're.

How many kids are we going to have? >> We want three ideally. We want three. But if it comes down to it, we'll have. to have four. If we have four three boys. >> Yeah, but she wants to stay at home be a. trad wife I'm being told. >> Mhm. She's tried it before in the past and it. did not work. >> With who? With you? >> Yeah, who else? >> Well, what failed? I don't know. Someone. you may have been with before. What the. [ __ ] you think? >> to make her get a job. >> Absolutely not. >> I don't know your life. I don't know. you. How would I know that? Shut the.

[ __ ] up, you noxious creature. So, what. failed? >> Laziness. She didn't keep the house. clean. >> Oh, so you wanted to be a Okay, that's. not trad wife. You were just a lazy. >> But I had I had other things. >> What were you doing? What other things. you had? >> I was making carpets. I was. >> Oh, making carpets. >> Yeah. I was. >> That's a classic trad wife. >> Trying to find. something to do. >> She has a lot of hobbies.

>> That's not tradwife-ing though. That's. just you doing what you want to do and. having her work. >> No, because I could technically make. money. >> Let me guess, you call yourself an. entrepreneur, too? >> Yeah, I do. >> Yeah, what's your little entrepreneur? >> I told you, making carpets. Custom shoes. Sneakers. >> Oh, wow. >> Custom shirts. >> Custom shirts. >> Uh-huh. And. we've made. >> zero. >> Uh-huh. They call them her hobbies. >> It's a work in progress.

>> They're just hobbies. Uh-huh. Yeah, and that I mean, it sounds like. that's all they'll ever be. I don't want. to [ __ ] on your dreams, but like you've. made zero in how many years? >> And she. >> of making carpets. >> She wanted me to start a hot. shot business. >> a couple months ago. >> Hot shot, you guys started a hot shot in. Texas? I mean, that [ __ ] just got like. pretty much. >> No, we did start a hot shot business. >> shot, what's this? >> It's uh where you get like a dolly truck. and your own trailer and do loads. yourself.

>> And what have you made? >> Nothing, it failed. Lasted like four months. >> even make a dollar? >> We made money. >> Uh. no, not really. >> Did we not make money? All those trips. we took all over the place. >> For as much money we invested into it, we did not. >> We We We only did it for a couple. months. We're not going to make back. what we put into it, though. >> Well, maybe if you helped a little, we. would have made a little more money. >> you want me to help? >> Booking the loads, come with me on. trips, or. >> Did I Did I not sit there?

>> It was your idea to make to start the. business. >> I have a lot of ideas on a lot of. business. stuff. >> And that's why I stopped listening. about your little different businesses. >> Well, everyone has the Everyone could. have the idea, "Oh, I'm going to make. shoes. That's not a unique idea to make. shoes. We've done that. Humans have done. that since forever. What are you What. are you You're not I'm sorry. You don't. have a unique idea. What's your unique. idea? Everyone has picked up things and. moved them. What is your unique.

What are your ideas in business then? You're not going to do anything if your. idea in business is I'm going to make. shoes. No one does that. Try what? You. have to have What are you bringing to. the marketplace that is actually unique? >> Nothing. Nothing at all. >> But I have a lot ideas. >> Ideas? What are your grand ideas that. are not already being done the exact. same way or better? >> You have a new idea? You know, I'll come up with it. I will.

I will come up with it eventually. >> strategy. It'll just happen. >> Maybe my kid would want to join this. wonderful idea. >> Oh, poor child. >> What the. >> [laughter]. >> What do you mean? What are you Are you. going to make him make carpet? >> No, not carpets. Like that's another. >> thing. You're a freak making carpets. clothes shoes. You couldn't even you, somehow, in the world of the Dallas. metropolitan area, about to be the third. largest metro in the country, couldn't. make money moving things for people.

>> Why would I want to move things for. people? >> then? Why don't you guys do a hot shot. >> But that was for like. I'm thinking you're thinking of moving. people's houses, not like. >> you moving? >> Tires. >> Good. And you couldn't even do that in a. the fourth largest metro in the US, about to be number three. You couldn't. even make that work there with millions. of people. How the [ __ ] you going to be. able to do anything? >> But that would.

That's out on the road. That's That. wouldn't benefit. >> somewhere to pick [ __ ] up. What do you. mean you're not benefiting anything? It's money. >> the place. All over the US. >> I You do have a new business venture. She told me the other day she wants to. be a barber. >> Yep. >> Never once cut hair. >> to be a barber? Very good. Yes. >> That is true. >> Again, that's not you having a business. idea. That's just you wanting to do. something different. >> are great. >> Yes, she loves. munching on those carpets. We know. Listen.

>> She loves switching switching on. everything like jobs and everything. She. gets tired. >> Well, I get it. >> bored. >> I do I'm all over the place though. I'm. a. Like I want to do a thousand different. things, but you got to lock the [ __ ]. you have a kid coming in a couple. months. You don't get to choose this. anymore. You don't get to be that. independent. >> but. >> May? I think it is. >> a lot of ideas that he could potentially. think that it might be a good idea. >> let him be an entrepreneur with that. How about you take care of the roof over. his head today? >> Easy. I join him.

I. have the money. >> years you can. Today, make sure there's food on the table. Today. >> I Well, I guess I'm going to have to. just still truck drive until I find a. new idea to come up with. >> about ideas. You're not coming up with. ideas. Cutting hair is not an idea. What do you think you are? Dude, you're. the laziest entrepreneur I've ever heard. or the most I can't tell. >> Well, I guess it's new to me. It's. new to me.

>> it's new to humans. Other people cut hair. >> I can't just think out of the box. I. can't just be like oh I want. >> Then you can't be an entrepreneur. No, it's as simple as that. Cold hard truth, if you can't think out of the box you. are not an entrepreneur. Give up. >> No. I refuse to give up. I'm going to. keep trying. >> an entrepreneur. If you can't think out. of the box, you will never be. successful. >> help? >> At thinking out of the box? >> Help me. What do you want me to help you with? >> What are you talking about? >> I want to do something that will benefit.

our lives and our kids' lives. >> Good. Works. You make money. You guys. are six figures net. You guys do. incredible for the metro, for the. country. >> be on the road and never see my kids. >> to do something you want to do. But, I. thought you guys were three on, three. off, or whatever. I don't know. Right. right? >> Mhm. >> Okay. You're going to see the kid. >> No. No. I want to go to games. I want to go. to his games. >> Okay. Well, first of all, he's going to. be zero. He's not playing baseball this.

year. So, like you have some time to do a. transition into some different kind of. trucking or something. >> Yeah, but at zero, he's even going to be. smiling, seeing people, seeing colors, seeing me. At zero, and if I'm I'm on the road. >> 3 days, you're going to see a lot of. smiling for 4 days. >> work 3 days, you're off 3 days. And if. >> You're off 4 days. You could request to. work only 3 days.

>> Well, there you go. You'd get a good. amount of [clears throat] money still. >> No. >> guys already make a lot of money. You. can take a little pay cut. >> How? >> With what she just said. You're so. stupid. She just said. What? >> We have so many bills. You can't. >> What? Then you can't do what you Your. plan wouldn't make sense then cuz your. plan. was based on basically only paying for. rent. by one person stopping working. >> No. >> So, what? She just said you have a lot. of bills. >> We have a lot of bills. I just I just. need her to get a job that's going to. make her just.

>> Oh my god. >> $500 a week. >> $500 a week thing? What is this? What is. this target? What is he done? Does she. even know this? Does she understand? Make the logic work for me. >> I've I've told her. I've told her that. >> Tell me. >> Cuz say I continue making like at least. uh $1,200 a week. That's what? $4,800 a month. And then if she brings the extra $500 a. week, that adds $2,000. So, that'd be. like. $6,800 a month. That's good. >> I'm going to be real with you. Your debt.

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now and start the free trial. YNAB.com, link in the description below. >> Well, but that's half of what we're. making now. >> days of work. >> That's half of what we're making now, though. >> But I still need to get. >> Can you guys afford half? She suggested. no with the bills you got. Listen, with. the conversation that we just had about. this business stuff, like what the. How do you guys even have. conversations around the finances in the. house? What does this look like? What do. the conversations look like in this. house? >> Um she simply I can't. >> Yeah, she starts spending this money. >> She starts talking about her business. adventures and I.

>> shut them down. >> And what do you do? No, tell me. I want. an example. What do you do? Give me a. recent conversation about it. >> Okay, I want to be a barber. >> No. >> What about a tattoo artist? >> No. >> Why? >> Because you. you've never even drew. You've never drew drawn anything in your. life. You got to teach yourself how to. draw. You got to You got to You got to. You got to You got to You got to. >> You got to. You learn. It's like a learning process. >> And then barbering, you've never cut in. hair. >> I Even my hair you don't cut. >> I did too cut your hair out on the truck.

that one day. You were like, "Oh, I need. you to cut my hair." What did I do? I. balded it. I balded you. >> That's not. That's a baldy. That's. That doesn't require skill. >> There's people that. >> I feel like two toddlers are having a. conversation. This is how it looks in. this house. When she talk What the This. is This is like a grade school. conversation. >> What do you expect? >> An adult conversation. >> We just had one about. >> It was a grade school conversation. I cut your hair on the road. Didn't you.

see when I took out my scissors and. started snipping? >> I disagree. >> Oh, good rebuttal. >> You. >> Well thought out, very nuanced. >> I am. >> You are. What? What are you? >> I. just think. that I [clears throat]. >> need to get out of the cabin, man. >> [laughter]. >> Why? >> You can't talk. >> I talk to people on the phone. I talk to. people in the shipper.

>> In the shipper? >> Yeah. >> I don't know what the shipper is. >> Where we go to unload the truck. >> Okay, so okay. The shipper. Very good. Now I know what a shipper is. >> Glad I learned something today. Okay, so. that's okay. Conversation on the job, sure. What about when it comes to. spending, budgeting, our goals, everything like that? How do those. conversations go? Who is what? Cuz I. know you blame her for the debt. I have. the note I was just type that you blame. her for the debt. Does she even know you. blame her for the debt? And you, do you even know that she. blames you for the debt?

>> No. >> No? Okay, so what are the conversations that. happen? What is the insight? I need. insight into how the finances are. communicated in this house, please. >> I want to Hey, can I buy this? >> You at least ask for everything. >> Not for everything. I. was just. >> Then you're leading me down the wrong. path. >> and I'm like, oh, this is cute. I'mma. get it. >> Cute? What's cute? >> Baby clothes. >> Okay. >> And I'm like, oh, I'm going to get it.

But me, she'd be like, oh, no, it's too. expensive. She'd be like, no, don't do. it. But I'm just going for cuteness. I. don't care if. it's. >> Oh, and Jessica, what do you think about. this? How do you communicate back? And. what do you communicate back? Because my. communication would be divorce and. murder. But what would yours be? >> [laughter]. >> No, never. You wouldn't murder me. >> Okay, how do you communicate back? >> I just could just a simple no.

>> That's it? And there's no pushback? There's no worries? Then why are we in. debt? >> Why are we struggling if if you can just. say no and you're the financially. responsible one? You can just say no and. she's like, okay. Then why the [ __ ] are. we struggling? You guys make a [ __ ] ton. of money. If you've been pregnant for what is it? 7 8? I forget. >> 7. >> 7 7 months. >> Mhm. >> Why is this not improving? Why is this. so bad? Why is the most recent statement. so. Why? Cuz you have a kid coming. >> Okay. >> And if you can just say no and she's. like okay dokies, then why the.

[ __ ] are we in this situation? >> started taking over the bills. >> Yeah. We? From? >> My mom. >> [clears throat]. >> What bills? What do you mean bills? >> Well, the house, the. >> The house? What about the debt you're. in? Was it your mom's debt that you took. over? >> Yeah. It is. It's all. >> All your mom's debt. You don't have any. debt. >> Well, the thing is um. when. >> She has. >> When we started working. >> What are we saying? If she says you have. debt, so why are you trying to gaslight. me? What the [ __ ] are you talking about?

Trying to improve? >> not know. that we had debt. >> You didn't know that you had debt. >> Yeah. >> All right. All right. >> This is This is our. >> What kind of. >> second This is our second month doing. our own bills. >> spending was 1,750 regardless of debt. 1,750 without the rent, just [ __ ]. nothing not improving life at all. >> We did our. >> And a minimum by the way, minimum. >> Mhm. >> You what? >> We redid our house. >> That's not miscellaneous [ __ ]. Stopping at a gas station, stopping at.

McDonald's. >> We used to smoke. >> I'm glad you don't cuz you're pregnant. and you almost were. You want a high five for that, I ain't. going to give it to you. That's kind of. basic. >> You sure? >> Yes. >> Glad you don't. >> an ashy piece of [ __ ] Well done. Proud. of you. You woke up to what we all figured out. Gas? Who said That's not miscellaneous. [ __ ] That's transportation, of. which is very expensive. In fact, it's. 38% of your spending. I'm not. complaining about that. I might, but I'm. not.

Cuz I assume you guys fill your own. tanks cuz you're independent. contractors, right? >> No. >> So how's the transportation so. expensive? >> Probably going into truck stops and. buying food and stuff. >> No, no, no, no, Transportation. You You Usually it's not gas. >> Oh. Would it be like. >> Well, [ __ ] We'll have to go into it, but I would like to hear I I was. thinking maybe you would have any kind. of insight into your finances. I thought. you were the. >> is our second month ever paying our own. bills. >> How, guys? I'm so confused. We're 31 or. 32. What the [ __ ] is wrong with you.

guys? >> Well, >> Even what? Yeah, our mom Our mom's. >> No, her mom. >> Okay, [ __ ] you. Why were you never. independent in your life even before. her? >> I'm irresponsible. I don't even have a bank account with my. >> How were you surviving. before her mother? >> My parents. >> Your parents. So, you guys are coddled. children. And yet you thought it was. time to bring a child in of your own. >> We grew up. >> Pathetic. No, you didn't. Growing up. wouldn't be this. Growing up wouldn't be.

putting more on a credit card than you. spend. >> have a house over our head. We still. have electric on. We still have water. >> For now. >> We grew up. >> For now. >> From. our parents will. not. I don't know about you, but for my. parents doing everything for me, you know, to us, well, me now paying stuff on our. house, I think I grew up. >> You're pathetic. I'm calling your. parents in the post show.

>> Oh. Well, my mom died. So, you can't. >> What? >> Yeah, my mom died last month. That's why we're taking over. >> Oh, yours is dead, too? >> Yeah. >> Guys, everyone's getting dead parents. Stop. I'm sorry. That's hard. Your father? >> You can call him if you want. >> Okay, got one. We have found one alive. >> I think, [laughter]. you know. >> Don't call mine. He doesn't speak.

English. >> I'll call his. No, we we wouldn't do that. We wouldn't. do that. We like Angie's. >> He's in Mexico. >> Ah, yes, yes, yes. >> So, you could call them all you want. >> [laughter]. >> We'll just groan them instead. No, we make jokes. No. >> So, that's why I'm saying it's only been. >> I'm sorry to hear that your mother. passed away, by the way. >> Since we Yeah, she was in charge of. paying all of our bills for us. >> why I stopped 2 months ago. >> Yeah. >> Okay. >> I didn't even know that was that much.

money. So, all of it was that much money. We just gave her a flat rate. >> told we're going to call your sister cuz. your sister's living off you guys, milking off of you cuz she was milking. off of mom, and now mom's not there, and. now she's milking off of you guys. Which. doesn't even I mean, I don't even know. if that's your Yeah, sure, she might be. like a [ __ ] sister or something, but. you guys have your own lives regardless. Even without her, you guys are just. destroying it by spending more and more. money. But, you guys are afraid to. confront her, to get her out of the. house? Why are we afraid? How can you be. afraid?

>> Uh, she used to beat me up when I was. little, so. >> Okay, well, you're certainly not little, I'll tell you that. >> Hey. Hey. >> What? >> That's that's mean. >> Yes, you're on financial audit. >> Okay, but talking about somebody's weight is. rude. >> Did you not watch the 15-minute. onboarding video where I said, "I'm. going to make fun of your weight, and if. you don't like that, tell me.". >> Oh, yeah, I did. >> Oh, that's weird. Okay. So, you're not tiny anymore. Hit back. [laughter]. >> No, it's it's not worth the headache.

She'll stop talking to me for a while. >> Good. Right? Isn't that what we want, to. get her out of the house? >> No, just because she stops talking. doesn't mean that she's going to get out. of the house. >> Okay, who owns the Do you own the house? >> It is our house. >> No, do you own the house? >> Like, is it in our name? >> YES, YES, YES. WHO OWNS THE HOUSE? GOOD DEATH, THIRD. TIME. >> MY GRANDMA owns the house. >> Okay. >> [clears throat].

>> Grandmother's perspective on this, then? >> She's not alive. >> She's dead. >> Who'd the title get passed to? It would. get passed. >> Then who'd the title get passed to? >> Me, but not yet, cuz it just happened in. March. >> Okay. So, [snorts] once it is your. house, take your legal authority and kick her. the. out. Right? If you Why are you afraid to. confront her? I'm so confused. Because. she's violent? >> No, it's just it's not violent. It's not. worth the headache. >> Well, but but but Okay, then what's her. What's the problem with her being there?

If that's not worth the headache, then. the headache of her being there must not. that be that big. >> She. has a dog. >> Woof. Like Okay, welcome to American. households. >> Her dog is mean. >> Okay, she has a bad dog. >> Yes. >> That's our big issue for wanting to kick. her out? >> Well, she leaves her dog at our house, and. then she just leaves for days, and then. comes back. >> And you've brought this topic up? >> Mhm. >> Mhm.

>> We brought it up to her several. >> She does her own thing. Walked away. >> Okay, then yeah. So, you'll kick her. out. >> won't talk to us. >> Okay, then kick her out. You're living. with a child. >> talk to us? >> Cuz you'll evict her. You own the house. >> We don't own the house. >> Well, no. Yes, she does. >> Not yet. >> Well, she's about to. >> know. >> [clears throat]. >> to. I'm saying when she gets it. >> About to is going to take more than. a year. >> It's going to take a year to get the. title? Two years? Why is that so.

challenging? >> my uncle's the executor of the house. >> And? >> He's in prison. >> What is wrong with your family? >> [laughter]. >> Never said our family was perfect. >> Okay, but you want to move into a new. house anyway, so I don't even understand. the purpose here. >> I do. >> We are not going to do that. >> Why? >> Because it's our house. >> Our house. >> You've been in that house, that family. household for. >> How are we even going to get a new. house?

>> your whole life. You sell that house. that we're currently in. You sell it. >> How? The uncle's in prison. >> Well, is he going to be in prison. forever? >> Well, you made it basically It sounded. like it would take 2 years. >> I mean, yeah, it's going to take 2. years. >> to So, you can't sell the house for 2. years? >> She could rent it. >> Can she? >> Can you? >> Can't get the sister out? >> No. >> She'll come with the house. >> You don't have a roommate. >> Uh-huh. Okay, that's not a real answer.

So, that's not a real solution to your. issue. You want to move. >> Yeah, I want to move. >> you against this? I guess this is what I'm being told this. is one of you guys' biggest. disagreements. >> This is our biggest disagreement. >> What's the issue? What What is he What's. What are you advocating for? >> We have a kid. Why not move into a house. that is ours, that we can call ours? >> That is our house. >> Not a childhood home. I moved out of my. childhood home. Why wouldn't you want to move out of.

yours? >> And then what's your. >> It's almost paid off. The house is. almost paid off. We It's a four-bedroom, four-bathroom house, and we only pay. 1,200. And we live in the suburbs, so. >> Okay, well, you'll still live in the. suburbs, probably, cuz that's really all. Dallas is. >> What if I don't want to live in Dallas? >> She wants to move to Pennsylvania. >> I want to move somewhere closer to. my family. >> Do you want to?

>> No. >> Okay, then obviously we're going to have. a. problem. And also, who knows if the. opportunities are as good as wherever. you are going to be in Pennsylvania, where in Pennsylvania? >> It's probably not, but it doesn't have. to be in Pennsylvania. >> And where? Okay, Philly has. opportunities. >> Yeah, but it it doesn't No, she's not. going to feel comfortable enough to live. over there. >> What? Why? I don't. >> I don't know anybody over there. >> No, but that's that's that's moving.

It happens. >> Yeah, but. it's like. she'll never feel comfortable enough. around like my side of the family. >> So, how are we how are we coming to any. kind of agreement on this topic then? We. want to move we want to move somewhere. else. No, we're not going to move. The. the mortgage came in I mean that's a. decent argument and I I do get that, but. you could have. sold the house. You could have sold the. house and then you could walk away with. that massive equity position. >> I wouldn't get the whole the whole.

amount of the house. >> what is not just you on the title? Who. would? >> No, it it does go to me, but my mom. said that if the house. >> Said? >> Yeah. >> Said? >> Yeah, said. >> Said might not be enough. You might get. the full amount. >> I know, but I'm pretty honest person. So, she said if if the house ever gets. sold, I got to split it between my. brother and my sister. >> Okay, but they don't get equal rights to. the house before selling? >> would get a bigger portion and they know. that. >> then that's not equal splitting.

>> Well, they know I'm. paying on it and have been paying on it, so. >> How long? >> Uh 2 years. >> Oh, your mother wasn't? >> Uh-uh. We would send her mom money. >> How much were you guys giving her? >> We gave her $2,000 a week. >> A week? >> Yeah. >> What? >> To pay all of our bills and. >> All wait, she was paying y'all's credit. cards? >> Yeah. >> Woah, you guys are actual children. Why. do you guys think you are in the place. to bring one into this world? >> No, no, no, just like credit cards and.

basic [ __ ] Not knowing that [ __ ] at 32. and you're bringing a kid into the. picture? Wait, you didn't even know cuz you only. started doing it for 2 months. >> second month doing our financial stuff. >> got that part, but you are 7 months. pregnant. In what [ __ ] world did you. guys think you were ready to bring in a. child into this world? What the [ __ ]. irresponsible selfish behavior mindset. is that? >> You wouldn't even know. You weren't. paying them. Your mother was. >> But they were still being paid. >> not the point. If you guys can't even. survive on your own, how the [ __ ] do you.

think it's time to be a parent? >> house and electricity. >> WAS. ARE YOU NOT ABLE TO understand. this? Are you that much of a. >> It's our money paying all the house. >> you were not doing it. You couldn't Can. you even tell me how much So So $2,000 a. week. And how much of those went to. actual bills that were your own? >> Who knows? >> See, then you CAN'T TELL ME. LIARS. EXPENSES OF $5,000 A MONTH you guys. found out on your own, I'm being told. But $2,000 a week being taken from mom, where did that go? $8,000 a month. Where.

did that go if it was only $5,000 in. expenses? No, but it's only $5,000 in. expenses a month is what you guys have. found out. Where the additional three? >> We went on a lot of vacations. >> But you're So your mom would pay for. them? So your mom had the savings. >> Yeah. >> What? So your mom was putting it into. savings for you. Why the [ __ ] did your. mom think this was a good way to live? >> It worked. >> No, it did Did it work? >> It did. >> Okay, total savings $460. No, it didn't work. Where did the extra. 3,000 a month go? For years.

>> It went to vacations. >> Vacations. >> $3,000 a month vacations every single. >> No, it went to. >> So every two months you guys were doing. a great grand European vacation. Cuz that's what the [ __ ] I could do. every two months. >> No. >> Then what the [ __ ] are we talking about? >> Well, we did have a lot of arguments. with her of why we're paying so much. >> Yeah, and she said. >> What did she say? I don't remember what. she said, but. >> What? And you guys just allowed it and. continued? What the [ __ ] are we doing?

>> I think we lowered the amount we gave. her. >> To? >> I think we lowered it to only. >> 1,500. >> each. >> No, each No, for the 1,500 a week. >> Okay. >> Yeah. >> Well, that wouldn't make up for. Oh, I know. I don't know. That. Yeah, it'll still be a thousand more. than your bills, though. Like, where. would that go? Didn't go into savings. You had 400 bucks. >> She probably gave some money to my. brother. >> Oh, nice little redistribution from. y'alls then. >> Brother. brother and sister.

and so. >> taken from you, given to your brother. >> also we were we were paying for her. doctor's visits and stuff. >> fine, but you should be able to. >> You should be able to allocate how much. money you want to be providing to that. yourself. >> her to retire and we would take care of. her. We take care of her. >> Right, but she's taking the money. without you guys designating how much. money you want to give. >> Why would we designate where the heck. the money go? >> Cuz it's your money. You can choose how. much money you give. But you had zero. insight. You're giving 8,000 for 5,000.

You had no idea where money was going. She was just blowing it. >> not good at math. So I'm not good at. math. >> be able to actually manage that. Huh? >> I'm not good at math. So I wouldn't know. how much money. >> I'm actually very nervous that you are. on the road. >> Do I have to do math on the road? >> She's not a good driver, either. >> is broken. Exactly. One, you're a woman. >> Women can drive. >> Can I? >> Can you drive a semi? >> No. >> Exactly. >> But I'm a [ __ ].

>> Well, nobody told you to be that. >> No, just a common. Oh, I'm kidding. We love women drivers. here. We love women drivers here. Better. than immigrant drivers. >> Do you? >> Yes. >> What's wrong with them? >> Who? >> Immigrant drivers. >> What do I what? I didn't say anything. that would respond to you. >> you love women drivers rather than. immigrant drivers. >> [clears throat]. >> that was a joke. That's why I looked at. the camera like Jim from The Office, but. also two, I mean yes, there have been.

actual documented issues. >> I didn't catch the joke. >> Yes, that's why I said I'm concerned of. your brain being on the road behind a. multi-ton vehicle at 70 miles per hour. >> When and where we have not found out. >> Our truck goes 75. >> Even scarier. >> [laughter]. >> What's the financial score of this. household? Zero to 10, zero being the. worst, 10 being the best. >> I think we're at a solid four. >> Oh, we agreed on it. >> Mhm. We agree on things.

>> We could agree on a lot of things. Good. Glad to hear it. That's. >> agree that ours is a four? >> I don't know your finances yet. I wanted. to get the baseline, understand what. happens in this household. Now I'm going. to go into the portion of the show that. you signed up to be on where I go. through the documents and then I'll tell. you your score in the end. >> Great. >> Okay. If you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45. minutes to get yours like they do, but. you can get yours at CalebHammer.com. Take the assessment, takes a few. minutes, see where you stand in the. world of finances, where you're doing. bad, where you're doing great. Again, it.

is free at CalebHammer.com. And if you. do not want to be like them where. they're just figuring [ __ ] out now for. the first time in their lives, download. the Dollar Wise Budgeting app, the app. that you guys should be using. Get your. free trial, see if it works for you. Most people take the annual version. because it saves a lot of money. And. when you do, you get the digital version. of my cookbook and my 30-day detailed. budget meal plan where you can meal plan. every single snack, drink, meal, everything on a $300 person budget. It. is awesome. We verify it each quarter to. make sure it's sticking with that. budget. We'll raise it when we need to. I'll sign and mail directly to you. This.

is what you need to change your food. life, change your budget. Download. Dollar Wise thousands of monthly active. users for a reason. Check it out. >> Is it signed? >> No. >> I thought you You just said you'll sign. it for me. >> it for the annual Dollar Wise? >> Huh. >> She missed that part. >> Looks good. >> Dollar Wise dot com, link in the. description below. Let's get into this. Who has the. Quicksilver? Do we even know who has the. Quicksilver yet? >> It's both of us. >> You're both on it? >> We're not on it.

We're not on it at all. It's my dad's. card, but we use it. >> Oh, okay. Then what's the. >> I have it in my wallet. >> Your dad's card? >> Yeah. >> Mr. Mexico? >> Mhm. He has. >> Summer is the perfect time to get your. budget in shape. And now that DollarWize. is officially the best budgeting app on. the market, I'm giving you [music] a. special deal to download, but only for a. limited time. When you sign up for. DollarWize annual, you'll get my. four-course educational bundle [music]. as a special bonus. So you can get.

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or click that link in the description. below. That's kind of [ __ ] 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 up to $200 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below.

>> He has good credit. >> He has great credit. >> Does he? >> He does. >> When on a card that is maxed out over. $1,000? And it's his card, I don't think. he has great credit. I don't think you. >> never even touched it. >> Doesn't matter if you. You guys are Oh my gosh, you guys are. pathetic. No, no, no, no, no. I'm sorry. I'm sorry. I have to pause. You guys are. actually morons if that's That's think. this works. Just because he doesn't know. about it or he doesn't use it doesn't.

mean it being maxed out over a thousand. dollars over the max doesn't impact his. credit when this is his credit card. Are. you guys that pathetically stupid? I. have to ask. I have to ask. I know I'm. being mean right now, but I have TO ASK. IN NO WAY IN THIS WORLD YOU GUYS think. just because he is not the one swiping. that it is not impacting his credit when. it is his credit card. >> Okay. That's why we're paying it off. >> You you dumb. You dumb. I'm so sorry. I'm so sorry. I'm being so mean. No, you.

are not. >> We are paying it off. >> YOU PUT A THOUSAND BUCKS TO IT. YOU. SPENT THREE. YOU. TIT. DUDE, you have a credit limit of. 7,000 ON IT. YOU OWE EIGHT. PAY IT OFF. GO [ __ ] YOURSELF. Pay it off. You never. heard Pay child in there. YOUR MOTHER'S. HAVE YOU GUYS EVER HEARD OF WHAT PAYING. IT OFF IS? YOU SPENT. >> TRIPLE. >> [screaming]. >> TRIPLE what you even PUT TOWARDS THAT. PAY IT OFF. >> WHAT ARE YOU TALKING ABOUT?

>> IT'S A THOUSAND DOLLARS OVER THE. LIMIT. PAY IT OFF. >> WHAT PAY IT OFF? I HAVEN'T SEEN PAY. [screaming] IT OFF EVER. WHERE'S THE PAY. OFF? SHOW ME THE PAY OFF. I DON'T SEE. IT. >> WHAT ARE YOU TALKING ABOUT PAY OFF? >> YOU'RE [ __ ] TRIGGERING ME. YOU'RE A. DUMBASS. HOW CAN YOU TELL ME YOU PAY IT? WHERE'S THE PAY OFF? >> IT PAYS OFF. You pay. >> [laughter]. >> You pay Look, okay. You pay as much as. you need for the bills that month. >> What do you. >> [screaming].

>> No. No. NO. NO. NO. >> THAT'S WHY THE PAYMENT NEVER SHOWS. BECAUSE it it was a thousand dollars. over. I thought the limit was 800. 8,000. REMEMBER. >> JUST LOOK AT IT. JUST LOOK AT IT ONE TIME. YOU OWE IT. SEVEN. >> IT DOESN'T show up. >> WHAT DO YOU THINK? IT LITERALLY DOES. YOU SAID IT. >> LITERALLY DOES NOT show up. It does not. show up. >> You You sent me this, MEANING YOU HAVE. ACCESS TO THIS. You.

>> Hey, I did not send you that. >> Who did? Papa? Papa in Mexico? No, I sent it. THEN YOU CAN LOOK AT IT. >> look at it. >> BUT YOU CAN! YOU CAN! I KNOW IT'S NOT. [screaming] A. BASKET OF FRIED CHICKEN OR WHATEVER THE. YOU LOVE. YOU CAN STILL LOOK AT IT. >> I don't think I've ever looked at one of. those. >> You're I don't expect you to do. anything, but you at least. >> Can I just found out about that card 2.

months ago? [laughter]. >> YOU'RE THE ONE SWIPING ON IT. HOW DO YOU. JUST FIND OUT ON IT? >> I swipe on it. It's in my wallet. And I just tell her, "Hey, it's over the. limit. Can we pay this?". >> Bro, you don't even have a checking. account. You're 31 and you don't have a. checking account. Why the. do you have access to this credit card? >> I have access to all credit cards. They're in my wallet.

Well? >> What do I do here? This I'm sorry. This kid's. Can we just be candid here? THIS KID'S. WITH YOUR UNDERSTANDING OF CREDIT LIMITS. or looking at accounts or you having. access to cards, you don't even have A. CHECKING ACCOUNT. YOU DON'T HAVE A PLAN. TO SAVE your. life. Uncle who controls everything's in. jail and you're spending 3,000, won't. putting a thousand, couple hundred. towards it. >> [laughter]. >> And you didn't look at it.

>> Yeah, it's a learning process. >> You're learning. You're learning. You're. 32. You're 32. >> And we just At 32, YOU CAN LEARN ABOUT. INVESTING in mortgages, but you're 32. We don't have TO. >> AT 32, YOU DON'T LEARN ABOUT OPENING A. CHECKING ACCOUNT. >> WE NEVER HAD to learn before. >> That's what [screaming] I'm saying is. the problem. Don't bring in a kid yet. >> Uh, a little too late for that. >> Is it? GO TO COLORADO. [screaming]. >> NO, YOU CAN'T DO THAT.

>> OKAY, I wasn't advocating for it anyway. I'm just saying you guys are This is. This poor kid. >> a little. He's kicking. >> He's going to need to kick a lot harder. to end it. I'm sorry. >> Uh. >> He's just He's. >> He's It's learning. You learn. Like I. said, you roll with the punches. >> You don't have a checking account at 31. >> I'm heiress. Oh. >> Exactly, so your kids. >> No. I'll grow up. >> Why haven't you then?

>> We didn't have to. >> Yeah, didn't have to. >> THERE WAS NO NEED. >> WHY WERE WE IMPREGNATING OURSELVES? >> WELL, you're still getting taken care. of. >> Cuz your grandma Everything was. >> died 2 months ago. >> Everything was taken care of. >> 7 months ago. >> Everything was. taken care of. That's why. Why Why else? We had a roof. We had all the bills. covered. We gave the money that needed. to pay for bills and then some.

It was taken care. >> Yeah, we have We have the financials for. a kid. >> You have the financials. >> [laughter]. >> You're over the limit on this. You have. the financials. >> Yeah, but how much. >> [laughter]. >> How much extra money do we make that you. were just talking about? >> That's a great question. Well, here's. the answer to that question. You brought. in 6,367. last month. I don't know how, maybe. hours were cut. You spent. >> Oh, and I didn't even work last month. >> Well, that's why. your income was half.

>> Mhm. >> Yeah. And I didn't even. That's what I just said. >> It was me. >> You guys are so. >> I brought that in. >> Yeah, you brought that in for. You guys are [laughter] so. That's. >> Cool. >> Yes, I just said you made half income. Why didn't you even work last month? WELL, YEAH, NO [ __ ]. >> BUT THAT'S NOT. >> YOU SPENT YOU SPENT 11,000. I DON'T CARE. WHO BROUGHT IT IN. >> [screaming]. >> WHAT DOES IT MATTER. WHO BROUGHT IT IN?

WHY DO YOU GUYS THINK THAT WAS A. RELEVANT PART OF THIS CONVERSATION? I'm. just telling you 6,000 were spent last. >> bank account and I brought in the money. and I have all these ideas. for a new job and I still brought in. that. Look at that. I'm doing something right here. I am capable of having a kid. >> Oh. You have spent 10. You spent 11. You. spent 11. 11 was spent. So, telling me. your financials are good. Is that what.

you said? Your financials are good. How. much money do we have left extra? What. do you mean left extra? >> That was just last month. That was a a. bad month. >> Oh, it's always conveniently a bad month. the month that I have the statements. for. How does that work? Shut the [ __ ]. up. Bad months. There's a bad month. every month. That's how months work. >> you we we went into a situation two. months ago. We got ourselves out of that. >> Last month. >> situation. >> Last month. >> Last month. Yeah. >> Last month. Why weren't you working, you. And even when you weren't, why'd you. spend more than you made?

>> I Well, I was working but I I got forced. on leave of absence. >> even work last month. >> Yes, she got forced. >> Forced by who? >> By the uh my trucking job. >> Why? Who'd you run over? What kind of. >> out I was pregnant and they forced me to. go on leave of absence. >> What? >> Yeah. >> Make that make sense. >> Exactly. Make that make sense. >> Uh. >> It I'm pretty sure it's illegal to do. and technically I still work for that. company and I'm still on leave of. absence.

>> Okay. Well, so this is your dad's, but. okay, who's making the minimum payments. on it? >> We are. >> We Okay, you don't have a checking. account. Okay. But I And none of you are authorized. >> gotten money last month. >> Proud of you at 31. Well done. So, who. >> Thank you. >> Are you guys on this? Authorized users? >> No. >> No. >> Perhaps nothing is on any of y'alls. credit. >> What? Uh no. >> We just want to pay it off and close it. >> Which is why you spent 3,000 after. putting a thousand a couple hundred. towards it. >> Yeah, but it was the month of March.

>> strategy. >> The month of March when I had no no job. >> Yeah, that's when you cut spending, you. dumbass. >> Yeah. >> Dumbass. Dumbass. >> Oh no. >> It'll get paid off eventually. >> what a great strategy. It's interesting. how it always defaults to that. It'll. happen, not it's happening. 24 years to. pay off, you won't be alive and the kid. will be out of college. >> Yeah, but he'll have money. He'll have money. He will be A-okay.

>> You guys are the dumbest people. >> Huh? Who said? >> Me. >> Why? >> You You the way you process information. and the things you say. >> nice. >> It's cute. >> It's scary. It's not cute. >> I'm not attracted to mentally disabled. people. That might be a fetish of yours, not of mine. >> I'm not mentally disabled. It's a. Pennsylvania thing. >> What? No. What? Just cuz your senator can't read? >> looked at. >> he had a stroke. >> none of this stuff ever in my life and I.

still don't. >> Great mother. You'll be. >> Well, she's the math person, so. >> [sighs]. >> Cuz she's Asian? That's. That's racist. >> Mexican. Mhm. >> White Mexican. Your toner's running out. >> Okay. So, you guys have access to log. in. >> Mhm. >> [clears throat]. >> Okay, so we don't send daddy money. to pay this.

>> No, we we just pay it from our account. >> You pay, you swipe and you fix credit in. the meantime. >> We help his credit. >> Over maxed out by a thousand, you are. not helping his credit, I promise you. that. >> know that. I I should have paid that. >> Doesn't matter if you know it or not, you're doing it. >> 10 minutes ago we found it out. >> Just found that out. >> That's You sent me this statement. yourself. >> Don't look at the statements. >> That is equally. >> Should have looked at it. >> Also, why is it just not in Dollarwise? You would see it all. It's automated, man. Okay. Okay. Okay. Okay. Quicksilver.

>> Mhm. >> $7,934.89. minimum monthly payment. 266. Aggressive, especially if we're about to. cut our income in half. Again, you won't be alive when this. card's paid off. And the interest that accrues on this is. insane. It's almost like 200 bucks a. month. >> Yeah. I know, that's crazy. >> Yeah. >> I don't understand. >> But just. >> Pay some extra on it. No, she doesn't. understand interest.

>> Is that what you're confusing them. >> Yeah. It's the. I'll tell you later. >> Sound worth it. It. That's not even like That's honestly not. even the critical part of this. It's. just the fact that you're spending and. look at this. None of it. None of it is making your life better. It's actually making your life worse. To be clear. >> Ow. >> It's fast food. It's just awful fast. >> got to eat. >> You got to eat. You don't got to eat. yourself into the grave. Don't you want.

to be around for your kid? Don't you. want to make it to his high school. graduation? >> We're truck drivers. What else are we. supposed to eat? There's not a lot of room. We can't just. go to the back of the truck and cook. food. >> Yeah, but you could at least be even. stopping more at healthier places. You're not. This is Wendy's and Burger. King over and over again. >> That's all that's at truck stops. Have you been to truck stops? >> I have been to truck stops. >> You wouldn't say it's the healthiest. >> Okay, what are you getting there? >> It says right there. >> No, it does not say what your Wendy's.

order is. >> Oh. >> What's your classic Wendy's order? >> Biggie Bag. >> What comes in the Biggie Bag? >> Junior Bacon Cheeseburger. >> Okay, well, there you go. You're not. getting a salad. >> Ew. Who gets a salad? You need like the. greasy food to keep you up to keep you. driving. >> Well, that's going to make sure she. doesn't make it to high school. graduation again. >> She already went through high school. >> Oh, she's a. [ __ ] That that that that. I know you're But the thing is. people like her don't make it to.

mid-50s. >> Calling me fat again. >> I'm not calling you fat, you are fat. >> She's pregnant, she's not fat. >> No. You can't say fat. You can't You. can't say that. >> [sighs]. >> Anyways, I got this weight being a. trucker. >> You You Well, she's a trucker, too. I've. seen other truckers. In fact, my uncle's. a trucker, not morbidly obese. >> Yeah, she plays sports. I Maybe you. should play sports then. That's not you. being a trucker, it's you playing. sports. The thing is, listen, why is it that people ask, "Why Why is. that a part of the financial.

conversation?" One, there's three. There's three things. One, you're. bringing a kid into the world. Can't change the fact that you're. morbidly obese now, but that does. increase complications. Two, I want you. to be there to his high school. graduation. At this trajectory, you're. not. Three, it's expensive. The. lifestyle you're maintaining. >> eats healthy. >> A Biggie Meal is not. >> That's my order. You didn't ask her. order. >> She's not eating healthy. You don't. maintain that. >> You don't know that. >> Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic. math.

I'm sorry, it just is. Might be eating. healthy, but it's a substantial amount. >> So, you want her to eat salads? >> I don't know. IT'S A START. I And the. point is, number four, if you're going. to do the ma- the immense amount of. sacrifices that that is required to pay. off this debt, what is the point if you. won't be around to even enjoy the. benefits? So, there's lots of reason we. bring up weight on this show. In five, let's add a fifth one to it as. well. If you are healthy and more in. shape, you'd have more energy to make. more money to pay off debt quicker.

That is basically reality. >> But you need money to pay off debt. >> That's what I just said. >> to do with health. >> Yes, usually healthy people have more. energy to work more to make more money. to pay off debt quicker. >> But we have a set route, so. >> You guys do well. You guys do well. financially, but that is an additional. argument that could be done. And you. have days off, that's more jobs. Okay, it's in-app purchases. It's Burger. King, Microsoft payment, Wendy's, Wendy's, paying for a U-Haul, Smoothie.

King, which is not healthy, by the way. Sugar. Each one is like 600 calories. It's. brutal. They are delicious. >> They got fruit in them. I get a strawberry banana smoothie. I don't see them putting in sugar. >> You don't see it. There it is. >> You watch them make it. >> I You They put sugar in it, dude. >> Just saying.

>> Temu, Temu, what are we Temu-ing? >> Baby stuff. >> Oh, you basically Temu Temu the baby. himself, so. >> Yeah. >> No, I guess we may as well keep that up. Get in Go in and get some [ __ ] Uh. this U-Haul Lone Star boat thing again. >> U-Haul, we help. I think your sister. >> Twice? >> Oh, we paid for her U-Haul. >> Temu, Temu, Uber membership. Thank goodness. Temu, Temu, okay, we're Temu-ing a lot. You. guys are crazy. >> We love Temu.

>> I know, you're Asian. You went and you. got some [ __ ] again. What's this. Froot. Loop-y? Froot Loop-y? >> Who? >> Froot Loop-y. >> No idea. >> Great, wonderful, incredible. >> How much is it? >> Uh $28.71. Olive Garden, real healthy. Frolatti. again. Frolatti. >> Never heard of it. >> Good death. Well, [clears throat]. someone's doing it multiple times. Uh yeah, driving things, that makes. sense. Into it. What if you pay for Into.

It? Doesn't make sense. Cuz they're your. you're not independent contractors. I. don't get it. Play Pass. Some in app Play Pass thing. Cube Smart, so we have a storage unit for $83. >> We have We have two. >> Why? Get rid of it. Doesn't matter. Sell. everything. >> It's my sister's apartment. It was isn't. her. >> Why are you paying for it? >> Because. >> Stop. >> She's She can't. >> Well, she needs to get a job and she'll. figure it out. >> She has a job. >> Then she can. >> No. >> Yes.

>> She can't. >> Yes, she can. Why can't she? >> [sighs]. >> Tell him. >> What? >> Tell me. She'd rather go out and spend her money. >> don't understand what can't is. She can, and you are enabling her, just like your. parents have enabled you guys, and. that's why you guys are. today. Bank of America credit card, okay. Uh. Well, this one. >> Oh, that's good. That's a good one. >> was paid off, but it's not anymore. Now. it's maxed out again.

Okay, so who who who who who who who who. who who who who who is this? >> It's both of us. >> Are you guys actually on it? >> She is. >> It's mine. >> So it's yours. So it's not hers. Her credit is not on it. >> No. >> Okay, so it is Jessica's. Very good. $288.25. 13 months to pay off $25,000 a month. What's all this? This is all [ __ ] I get it. You guys just swipe. That's funny. That's funny. That's funny. Your lives.

Yeah, nice gum smile. Going to get some [ __ ] Going to get. some [ __ ] Going to get some. [ __ ] PlayStation. Going to get some. [ __ ] Lost jalapeños. There's the. Mexican in you. $66 there. PlayStation, McDonald's, Little Caesars. Going in. against the [ __ ] What are you going. in against the [ __ ] at 7-Eleven? >> Gatorade, energy drinks, water. We live down the street from it. >> Oh, very good. Buy in bulk. >> Pizza. >> There you go. Gamer Supps, well done. That is your energy drink that you'll be. making on the road, you'll be making at.

home. It is 40 cents a serving with my. 10% off discount code Caleb, link in the. description below. Just go to Gamer Supps. That's GG. Get. free samples of different flavors, figure out what flavors are your. favorite, then order those. It's 40. cents a serving. You're making your. energy drinks at home and on the road. just like you would make your coffee. It is much more affordable that way. Than stopping in and getting a $4 one. like you did there. [ __ ]. McDonald's. Ledo's right? Ledo's.

L I Do Right? L I Do Right? >> No idea. >> Great. It's a restaurant it looks like. and 19 bucks. Fuzzies, Conco, Carl's, Duncan, Charles Philly Cheesesteaks. You're killing yourself, you're killing. your money. This is embarrassing and. you're smiling. You're smiling. This is. a joke. You have a child coming in a. couple months and this is a joke to you. You're pathetic. You're pathetic. >> No. >> You're pathetic. Yes. >> to eat. >> Got to eat. Make a sandwich. Have you. learned your gender? >> Yeah. Still got to eat. I don't like eating at.

home. >> You don't have to. Make it home. Take it with you. >> I am. >> You're not. [laughter]. >> I do take it home. >> Aren't you supposed to be a tradwife? Isn't that what you want to be? >> I have to learn how to cook. >> Do you not know what a tradwife is? I'm. sorry. Like I'm not even advocating for. tradwife dumb, but if that's what you. want, that's what it is. >> I just want to stay home, clean the. house. >> But you wouldn't even do that. Oh, you're so pathetic. >> cleaner. The vacuum. >> vacuum? Oh my goodness.

>> It cleans for us. >> It's not cleaning, that's just. vacuuming. >> Okay. >> You got to clean toilets and [ __ ] too. And kitchen Oh my gosh. You guys are never going to make it. You. guys are never going to make it. How the. [ __ ] did you. >> [gasps]. >> That's why you predatorized her. She was. in the truck. She couldn't go anywhere. She couldn't even figure out what the. door handle is cuz she's And then you. forced her. Oh my goodness. >> I know what a door handle is. >> Wells Fargo.

That's mine. Oh, good. >> Isn't that yours and your sister's? Or. just yours? >> Yeah, I put my sister's name on it when. I when I was younger. Because she would uh deposit stuff into. it. Deposit stuff into it? It's a credit. card. You can't deposit stuff into it. >> I'm talking about my checking account. >> And don't forget I want you to be on the. next episode of Financial Audit. So, go. to calebhammer.com/apply. or click that link in the description. below. You'll have a great time and I'm.

going to roast the [ __ ] out of you. >> STARBUCKS IS BULL and a waste of money. And you already know that by making your. coffee at home and investing in the. rest. So, now you need to do that with. your energy drink as well. MAKE. GAMERSUPPS 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. GamerSupps. >> 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 gamersupps.gg. or click that link in the description. below. Type in code Caleb. >> The credit card's just mine. >> Okay, well, you only made the minimum on. this. No surprise to anyone. Well, no, it was a couple bucks more than the. minimum. >> to do? >> Shut the [ __ ] No, you got to pay more. >> minimum payments. >> Who says? >> The app. >> Yes, that is an option. That is an. option.

You married an imbecile. >> But you got to make the minimum payment. if. >> She's not in charge of the financials. >> [laughter]. >> That's very true. She just carries all. the cards. >> She's driving. >> I know how to drive. I know how to. >> Our lives are in danger. >> on the road. >> No, you have no processing ability. >> Yeah, stop means stop. A green light. means go. Got it. I know the gas and I know the brake. >> Wow, there it is. That's everything you. need to know, right? >> Yeah. >> $795, it's maxed out. No one's.

surprised. 4 years to pay off. Kid will. be four by the time this is even paid. off. You made $75 payment, which I I. like I said, it's more than the minimum, but then I realized it was worthless. anyway cuz you purchased $95 on it. So, you have They completely You have [ __ ]. it. Let's see, what did we even get? Interest accruing, [ __ ] [ __ ]. [ __ ] You [ __ ]. Oh, Pizza Hut. Pizza Hut. Thank goodness. Going inside. getting into [ __ ] a couple times. And Pizza Hut. >> Pizza Hut's good.

>> It's actually not. It's like the worst. >> What's your choice of pizza? >> Anything besides Pizza Hut. It's greasy. and it tastes like nothing. >> Are you a Domino's fan? >> Better than Pizza Hut. >> What? No. >> Bro, it's not 2012 Domino's. >> All right, so what's your favorite. pizza? >> Well, first of all, not going to be a. chain. I'm just going to say that cuz. there's a lot of good pizza. And the chains aren't it. >> Yeah. >> we don't have that option.

>> But yes, Domino's, Papa John's, Hungry Howie's, you name it, it's. better. Pizza Hut's the worst. >> I don't think so. >> Cuz I mean, yes, Pizza Hut might taste a. little better than Little Caesars, but. Pizza Hut, you're paying the same price. as actual good pizza places. You make. >> the best pizza. >> Wow. >> Yeah. >> I understand it. Okay. So, you've had a. late fee this year? >> Are you surprised? >> No. >> Oh. >> But I would like you to be.

Because that should That should be That. should be a big wake-up call. And it's. It's not a good thing. How much was it? Remember your whole make a minimum. payment thing? That's what avoids that. $25. >> Oh, that's nothing. >> Oh my gosh. So, that's the mindset that. gets people in the show and into. bankruptcy and losing their children and. their house and their everything. Smile about that. That's wonderful. >> you got We got other credit cards. So, we missed one minimum payment on this. one. We still got other ones. It's not like. it's going to.

break us or make us. >> Jessica, I'm sorry. You picked the wrong. partner. >> Just financially. >> No, that's one of the leading causes for. divorce. That's one of the leading. causes for divorce in this country. >> doesn't understand money. >> over money. Because you you have nothing. to argue about. You You know nothing. You're just go. You. are. >> a child. >> Oh. No. No. >> [snorts]. >> This, I'll be honest, I'm more worried. for this child coming into this world. than most any child.

This is actually very scary. You don't. understand the impact of what is. happening here. >> will not have to worry about money. >> No, that's not how this works. They will. grow up in a house where he will be. worrying about money. >> No, he won't. >> this works. You guys are so ignorant to. this. >> We didn't. We didn't worry about money when we grew. up. >> it sets you up for so much success. >> It did. >> Is that the argument you want to use. when we're talking about this with where. you ended up? >> looking at paper. It's not like a paper, so.

She just looks at how we live. >> No, no, no, no. No. >> I look at what I got. >> to go through an education plan, and. then it needs to be an ultimatum, and if. not, you need to leave her. >> What? >> Oh. You guys are not going to make it in. life, and then I'm and then I'm me, an. actual contributor to this world, is. going to have to subsidize you. >> What do you mean? I'm living right now. I'm going to make it alive, and so is my. kid. And we're going. >> How what does that have to do with what. I just said? >> You're because you think that we're not. going to make it alive cuz you're.

reading these little. into papers. >> to have to subsidize you. Why are things. more expensive? Health care, morbidly. obese. Why is uh interest in everything. so horrible? People go through. bankruptcy, no consequences whatsoever. Boom, you guys. Why is everything so. bad? Takers. People that will never learn any. responsibility cuz you'll take advantage. of every system that has ever existed. >> I know, but we barely found out about. this stuff, and we're working on it. >> care at all. She said a missed payment. or a late payment's not bad.

>> Well, that was one. There's a lot of them. Oh. >> Oh, well, good to even know that. Pathetic. You guys are why things are bad for. those who work. >> But we work. >> Yeah, we work, too. >> For now. You already talked about. cutting your income in half. >> Yeah, for when the baby comes. >> Your income's going to go down, then. you'll get more access to social. programs that I pay for, and then you'll. get more child care subsidy. >> money for a social program. >> child care subsidy. You're welcome. >> We wouldn't even know how to go about.

getting all of that. >> about to say. >> It's It's called the standard deduction, and it will be automatic for you cuz you. will clear declare the income. >> But don't you got to apply? >> No, you would show that you have a. dependent. >> Oh. >> I don't do taxes. >> You don't do taxes? >> She does my taxes. >> [laughter]. >> I've never once done my taxes. >> [laughter]. >> Taxes I could do. I think.

>> The IRS will literally take everything. from me if I miss $1 in taxes. You guys, they won't even give a [ __ ] and then I. have to give you all my money. It's pathetic the way we've built. society to in just encourage people like. you. It's disgusting. It's disgusting. Mortgage. This doesn't make sense.

Okay. >> [laughter]. >> You're past three payments. >> I told you what happened. >> You make so much money. >> No, my mom died. So, we had. >> You didn't immediately call the. bank of the house you live in? >> No, we didn't. I didn't know if the. payment was due or not. >> THE PAYMENT'S ALWAYS DUE. >> NO, but you don't know when. We just. took over these. >> It's three months, NOT THREE DAYS. YOU.

call the bank. That don't Don't know what bank it's on. there. >> is. >> You look in the mailbox. >> That's what we just FOUND OUT. >> GOD, THREE MONTHS LATER. WHAT IS WRONG. WITH YOU GUYS? YOU CAN'T DEAL WITH [ __ ]. OKAY. >> WELL, >> SHH. >> It. >> Shh. >> It. >> Shut up. >> It. >> Let me write this down. Shut up before I. have to hear your nonsense. >> You got to write quick. >> Shut up. >> Up. I can't when I have to deal with.

you. >> Can't deal with you. >> impossible. >> So, you can't do two things AT ONCE. >> NO. >> WELL, that sounds like a personal. problem. But, >> Brains cannot adequately do two things. at the top level. >> What? >> time. Top level, shut up. Great interest. rate. Don't give this up. If you do, it's pathetic. >> That's what I'm saying. >> And then you didn't pay. You didn't even call. Hello, THE BANK. >> BANK. >> SHUT UP. THE BALANCE IS $53,351.09. Do not give that up. Do not let this go. to foreclosure. I will kill you in. Minecraft. Please, this is the This is.

such a glorious, glorious thing in a. booming area where you have an equity. position. Do not this. >> The minimum payment. >> is 1,200. >> Mhm. >> Do not give up this amazing equity. position in a boom area. Do not this up. >> So, we're not moving. >> No, I mean Well, no, no, I don't want. you to lose the house. You can sell the. house and get I mean.

have an incredible equity position. You. can do that. I'm just saying don't lose. it to foreclosure. Okay, uh why are we past due on T-Mobile? >> The The answer is always going to be the. same. We just took over it 2 months ago. >> But but but but 2 months ago? >> We didn't know. >> What do you think would happen? >> We didn't even know the login. >> That part is okay, but you can call. >> Well, we tried to call to um lower the. bill. And they told us no.

>> So, you didn't call to pay the bill, but. you called to lower it? >> Yeah, [laughter]. we paid the bill. Go off. Well, you want to lower it? >> Off, guys. Okay, what is this? >> That's a car that we just got. >> You guys just got a car loan and you. can't even figure out credit cards? >> We needed a new car. >> I traded in my truck for it. >> Why? >> Because her truck's a gas guzzler. >> My truck payment was $1,300.

>> okay, so it wasn't a paid off truck. >> [sighs]. >> What's the interest rate on this? I. can't see. It's not on the statement. You wouldn't know. There's no way you. would know. You know nothing. Not even. worth me asking. >> [laughter]. >> Uh-huh. Uh-huh. What do you think this car is. worth that you owe $25,082 on? >> Think like 23. >> Okay, it's worth $16,000. >> Is that good? >> No, it's not good. >> Oh. >> Asian math failed her this time.

$25,000. 82 bucks. >> it's worth the uh cheaper payment than. paying 12,000. >> And you know that's the poorest mindset. that Americans have? You know that's what [ __ ] Americans is. they they stretch payments further and. further and further thinking the minimum. monthly payment is all that matters. Listen, yes, this might be better than. the truck, but your your equity position. is horrendous likely cuz you rolled over. negative equity either way. But the. thing is that mindset right there is. what [ __ ] most Americans. Paying for. it, it's cheaper. Do this, do that.

Everything's cheaper cheaper cheaper. Stretching it longer, but then you're. stacking more and more debt. forever on top of each other. Keep more. risk over your head forever. You want to. get out of debt as quick as possible. >> [snorts]. >> We're trying. >> Especially but no, you're not. Shut up. The If you spent more than you made, you. won't try. You have every credit card. that was there that you spent money on. You spent more than you put towards IT. TRY YOU DON'T KNOW WHAT THE word try is. You've never tried anything in your. life. You've never done anything in your. life. Like actually, you've never done. anything in your life, so you can't say. that. You've literally never done. anything. You've been a child. And you still are. Minimum monthly.

payment is 476.46. >> I'm not disagreeing with you on that. one, but we are getting better at paying. things. >> No. No. Like no. >> Reminder, we also are 2 months in on. doing all this. >> Oh my gosh. I know, and that's [ __ ] and. whatever. >> Hey, that's my car. >> Oh, what car do you have? What car do. you possibly owe $46,227. on a your.

and you have this? >> I have a '23. Jeep Gladiator Mojave. >> Why? Why do you have a $46,000. car? Why do you need that? >> It was cheaper than my other car. >> that? >> Cuz her Scat Pack got totaled. >> What did you just say? Also, you're past. So, you're past due. by. 4 months.

What is wrong with you? How do you fall. behind. >> Yeah. >> is it past due then? >> 4 months. >> I know. What's the number? >> $1,362. Normal minimum is $362. >> No. That that uh payment is $1,300. >> Oh, so you're okay. You didn't make the. full payment. You couldn't make the full. payment. So, I see. Your current amount. due is $1,725.20. The regular amount due is $1,360. You.

have a $1,362 monthly payment on your. Jeep? >> Yep. Yep. >> No, that's not the number, is it? >> It's It's more than the house payment. >> number? The number on screen? >> Uh. They did not send me VINs. >> [gasps]. >> I sent you the VIN. >> shh. >> Uh actually, let me double-check. That. one should be in the email. Actually, this is for the Jeep. The Jeep. I did not have a VIN. >> Oh. >> Oh, oh, do do do do. You owe $1,300 a month on a car that you. owe $46,000 on, which your interest is.

probably like 30% or something. predatory. >> No. It's not 30%. >> What is it? >> I think it's like 11 or 12. >> Yeah, it's still [ __ ] Shut the [ __ ] up. >> IT'S NOT 30%. >> SHUT UP! >> 30 is double. >> Dude, oh my gosh. Why are you still on. the previous topic? I'm trying to move. on. Are you incapable of having. conversations? So, should I start that. again before getting interrupted? Okay, thank you. Let me try this again. So, you owe $46,000. with a $1,362.

monthly payment. What do you think that. car is worth? >> I'm going to say 30-something. >> What would you say? >> I don't know. >> Try. What do you think? What do you. think it's worth? >> A lot of money. >> Okay, $15,990. You got predatored. >> No, not for a Mojave. >> Might be a little more, but that's what. we got. But, it's certainly no more than half of. what you owe. No more. You're Do you guys everything you're.

bringing in a kid into this mess? This. is disgusting. You you are easily within. the top three highest minimum payments. ever, but you are easily the most ever. So, this is horrible. And you're stuck, and you can't get out. of there. You can't borrow the. difference. You're f-. >> We're not even trying to sell it or. nothing. We like the car. >> Oh, good. She likes a $1,300 monthly. payment more than her. mortgage. >> [laughter]. >> It's a nice car.

>> Good luck [screaming] in there. You're. f-. >> No, he won't. >> No, he won't. No, he won't. Watch. >> is. will be his, probably. >> Okay, I have a [ __ ] ton of collections. I'm not even going to. I just whatever. Listen, I mean, it's. all bad. It's about $1,000 in. collections. Who? >> Both. No, I think that's you, the. $1,000. >> The $1,000 added up. >> Cuz mine's way more. >> Oh, yeah.

>> Okay. Okay, who has. I think this is Affirm. >> Yeah. >> You're Affirming. Your. team is. >> [snorts]. >> What's owed on Affirm? What is this? What What is this? Is this. different brand? >> That's Klarna. >> What do you owe on Affirm? >> Mhm. Say right there. >> What's your monthly payment? No, this is. your upcoming payment. >> I think it's like 20. >> Okay, totally you. What? >> There's three different ones, and. they're like 20 each. Oh. >> Okay, total [clears throat] Affirm owed.

is $263.32. Going to guess. >> They're all almost paid off, too. >> Almost, but they're not. 53. payment. But, it's all stacking. That's where. your mindset's broken. It's stacking. So, Klarna. 100, 116. What are we Klarna-ing? >> Mhm. TVs. >> No, it's eBay. >> Oh. >> TVs multiple? >> Uh we have a. 100-in TV. >> That's already paid off.

>> Why do you have a 100-in TV? You guys. are so man. >> To play Fortnite. >> [laughter]. >> You get to see the people really big. when they're really far. >> can shoot them. So you can shoot them. We got anywhere from a 100-in to a. 75-in. >> You know that actually goes against the. gamer mindset, by the way. >> Why? >> You actually want relatively smaller. screens so that you're able to analyze. better. >> I'm too blind to see.

I need and the bigger. >> It doesn't matter. I'm not considering. you guys professional gamers. The Klarna. You guys are so man. Klarna is 262.98. uh owed, but your minimum appears to be. >> That is a lot. Wipers. >> Yeah, you're behind on that one, by the. way, but either way. uh. that'll be paid off in two payments. Shut up. 131.95.

>> Auto pay. Yeah, it says auto pay. >> Yeah, well, you probably don't have. enough in your checking account. Yes, you can when you don't have enough in. your checking account. >> It doesn't get paid through our checking. account. >> Yeah, when you don't have Yeah. >> Oh. >> You guys are. so. >> so nothing. I don't know. >> Like I don't even know if this is even. worth continuing. You guys won't be able to do anything. You guys are starting from negative. Negative knowledge. Like it's actually. so broken. I don't even know what this. is. This is an an Affirm?

>> negative knowledge cuz we just. started. >> with the the other one. >> I don't know. You have an eBay? This is. an Affirm. This is another Affirm. Whose. Affirm? Her Affirm? >> I don't have Affirm. >> So you got another Affirm? No, that's the payment that came from. the previous Okay, whatever. Unless I don't even if these are debts. or not. This is such a mess. You got to. figure it out. >> SeatGeek, that's a Chiefs game. >> Okay, this one's closed. It's a closed. account of 1,000. So, this is a. collections that I think Jessica has.

1,326. Pathetic. Okay, and now checking account. And I. don't even have to ask whose cuz you're. a literal child at 31. And it's. disgustingly pathetic. You have 131 and. you're checking account. Yes, you. probably bounced at one point. Had a. payment that failed. What? What? You see cheeseburger? What? Burger King, Taco Bell, went outside, got some [ __ ] went. some [ __ ] Uber, Amazon, Amazon, Sonic. Do you see how you just destroy.

your body and your life and your. finances? >> It's me. I have the card. >> see how you just destroy your body, your. life, and your finances? Shut up, both. of you. >> No. >> You have a child coming that in a couple. months. Apple bill, ATM withdrawal, who. knows where that $100 went. Whataburger, Patreon, Ancestry, what? You wanted to figure out. if you're Asian or not? Uh. going out to eat, $45, Apple bill, stopped at the gas station, got some. [ __ ] used Gamer Supps. It is so. much cheaper and it tastes better. Photo. print online. What are you doing? Zelle.

money, ATM withdrawal, $240 and who. knows where. Went outside, got some. [ __ ] used Gamer Supps, Amazon, Apple bill, PlayStation. Uh I think somewhere in your town, Uber, and Amazon, donuts, Subway, Patreon, Google, Hulu, Netflix, Subway, premium. This is a ridiculous Wait, who is Bank. of America then? >> That's mine. >> two checking accounts? >> No, it's a savings. >> Oh. Our savings that only went down. That's. good.

Okay, so this kid is going into a. savings collapsing household. And then our Wells Fargo savings went. from 1,600 to 25. >> Yeah. >> Oh, my. >> Invisalign. >> Oh, that's more important than our kid. >> He's going to be taken care of. >> No. That's not how this works. The world is not just sunshine and. rainbows. This is not I don't want to. boomer this, but like this is not this. is not how this works. >> He will be okay. >> Oh, wonderful. You hear that, kids? >> took over. >> No issues. >> We just took over.

>> That means nothing. You drained your. savings to go on vacation. >> That was That wasn't a vacation. No. >> What was it? >> We went to Mexico for my mom's last. last day on Earth. >> She was in Mexico. >> No, we took her from Texas to Mexico. >> Okay. Well, listen, I can appreciate. that more. >> Cuz that's what she wanted. >> Yeah, I can appreciate that much more. I can appreciate that. And you guys make enough money to be.

able to fund that. And so, you would. immediately in that circumstance, of. which I can appreciate, immediately. replenish the savings with the next. paycheck. That's how that works, by the. way. So, total income, well, it's going. to get kind of half. We'll put up 11,266. for now for the next 3 months. But your. minimum monthly payments, including the. mortgage, is $2,217.72. That's not you catching up on minimum. monthly payments. That's normal minimum. monthly payments. What's your gas, electric, internet, all that combined? All your utilities, how much? >> Uh two, four, five.

550. >> Uh gas, vroom vroom drive drive, both of. you guys combined, not work. >> It's going to be. uh 80 for the month. >> For both of you? >> We work at the same place. >> Why did you say that What the What Yes, but you told me your. Well, your transportation was that much. because you're driving Shut Oh my. goodness, phone bill. It was in there. It was like 1 something. something. >> No, it's 389. >> Pay off your phone, switch to Helium for.

$15 a month. >> We have a lot of. >> Yeah, you need to pay off your devices. and then do that cuz it actually has the. same coverage as T-Mobile or very. similar. >> paying for things that we don't use and. people. >> rid of them. Get rid of them. Get them. off. You are independent now. Car. insurance, how much? >> Uh, 350. >> Okay, necessary food. I'll do a little. more cuz you're on the road for a little. bit of needing to go out and stuff, but. 800. You will be meal prepping mostly.

Coolers. Like a You just have to. This is not an. option. TP fund, again, a little. elevated cuz you're on the road, but. I'll do 300. >> That's way too much. >> You don't It is everything else. It is toilet paper. It is toothbrushes. It is tampons. It is everything. It is. makeup. It is everything. Okay, fine. 200. >> That's still too much. I think like 100. >> Subsc- I doubt it, guys.

Shut up. Subscription 75. Medical health care, are there co-pays. on a monthly basis? >> Yes. >> Um, I know I still got uh to pay 1,500. for the. >> No, co-pays. Just ongoing co-pays. >> Uh, yeah, I pay my insurance to the. How much is it? 165. every 2 weeks. >> Okay, 330. >> Yeah. >> Is there a gym? >> No. >> No. >> Are there pets?

>> Yes. >> Yes. >> You guys are truckers, why? What do you. have? >> A Rottweiler. He's five and he's so adorable. He comes with us on the road. >> Ah, okay. Pet insurance, 50 bucks. How. much for pet food? >> Uh, about 50 a week a month. >> Anything else that needs to be in this. budget that I've not put in? >> Uh, a little bit more for subscriptions. >> Go [ __ ] yourself. >> We have a lot. And his food's. >> You're cutting a lot. >> His food's on a subscription. >> what he said. I put that in as a.

separate line item. You do not. understand things. >> She has selective hearing. >> No, she's actually a [ __ ] Like. actually. Not as an insult. Like she's actually. stupid. It's. kind of alarming. >> No. I just don't know nothing about this. stuff. >> Okay, needed to survive 309. Sorry, 5,091. 72. I'll give you. $500 in [ __ ] spending. Congratulations. It's going out to eat,

subscriptions, whatever you want. >> I have to. >> So, let's call it 5,600. >> 5,600 to live. Let's call it that. Which when your income cuts in half. is not going to be much left and you. have to cut your [ __ ] spending. But. until then, you have an extra, let's. call it 6,000 just to be conservative. left on a monthly basis. Of which of. that. of the. 141,935,000. of that minus about.

2,000, let's call it 400 of collections. minus the mortgage of. 53,351. Okay, so $86,184. of bad debt of the $6,000 if you. maintain it, which I would appreciate, would take actually 14 months to pay off. the debt. Then you could get a fully. funded emergency fund. So, actually I. would do that. I would continue these. work hours as much as you guys can even. through the birth, as much as you guys. can. You obviously do things that you. have to do. But.

of those months that you're able to do. the kind of work that you're doing now, if you follow this budget, you can pay. off your debt in 14 months, which sets. you guys up for a great success. Call it. in a year and a half to pay off your bad. debt and get a fully funded emergency. fund. And then at that point, which is 6. months of your living expenses, at that. point, your kids going to have a great. life and you're going to live within. your means, which is 50% on needs 30% on. fun, which is a lot of money for you. guys, and 20% on savings, so you guys. can have a retirement so your kid. doesn't have to take care of you. What a joke. This is so easy to pay off. You guys make so much money. It's just a. literal joke. It's actually kind of.

pathetic. Especially with a kid on the. way. This is pathetic. The fact that you. guys haven't learned anything until 31, 32 is very pathetic. Very pathetic. We're going to call this. the sister. in the post show. We're going to. confront her. Um and then yeah, I guess. you're getting sued and stuff. Okay, we. got to talk about a lot of stuff in the. post show. Let's get the Hammer. Financial Score first. Hammer Financial. Score Spending in a budget. Oh, you. overspent zero out of 10. Debt is. collection zero out of 10. Emergency. fund, you drained it to zero. Zero out. of 10 practically. Retirement, didn't. see anything zero out of 10. Real. estate, not on the title yet.

Can I give a score to that? I can once. you're on title today. It has to be a. zero, but it will Andrew behind on the. three Either way, it will go up to a. five or six depending where you are on. the payment status pretty quick. Could. be a seven or eight if you're actually. caught up really well and it has a good. equity position. Maybe even a nine. But. today is zero. Hammer Financial Score. zero out of 10. Get your shoes to. calebhammer.com. Click that join button. Join Hammer Elite to get three premium. shows every single day. Six days a week. including an extra 20 minutes of this. episode called. the Financial Audit Post Show where. we're going to call her sister. I'll see.

you there. >> Hello. >> We're talking about you. How you live. with us and stuff. >> I am trying to find a place, but I I. have not found anything yet. [music]. >> You as a family are planning a huge trip. to Disneyland. >> I wanted to have some fun. >> We were thinking paying us dollars a. week. >> Yeah, think about it. >> I think she's the most person I've ever. met. >> Don't forget the summer budget RESET IS. NOW LIVE. >> GET A FULL YEAR OF DOLLAR Wise Premium. plus my four best selling educational. courses and a digital copy of my budget.

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