These Illegal Immigrants Are F*cked | Financial Audit

Were you guys born in the US? >> We are dreamers from Mexico City. >> I feel like it's it's maybe one of the. things that's like holding me back from, you know, like marriage. I think she. lives in a very um optimistic world. She. thinks that, you know, everything will. magically just work out itself. And. >> oh, he gets into the numbers and where. they've gone. >> You're an idiot. I mean, this is like a. male thing and a girl thing. I've talked. to all my girlfriends and this is. literally how we all like our brains. work this way. If you're not willing to. take literally the most basic sacrifice. in the one thing you have, there's. nothing here and you guys are done every.

single day. >> Shut the [ __ ] up. I'm done. >> With a refresh look and upgraded. features, download Dollarise, the best. budgeting app there is. And until. October 27th, you can lock in the first. 3 months at over 30% off. Or upgrade to. annual and save an additional 25% and. get a free signed cookbook by me. Download the Dollar Wise budgeting app. today and take advantage of your free. trial. Hello, my name is Natasha. I'm 29 years. old. >> And I'm Oscar and I'm 32 years old. And. we're from Phoenix, Arizona.

>> And this is financial audit. >> I do have to ask, is that dyed gray or. are you graying at 29? >> I am gray at 29. >> Is this his fault? >> Yes. And my kids? Yeah. >> Okay. Oh, actually kids. That's good to. know. What? How many kids do we have? >> We have three. >> Okay. Are you guys married? >> We're not. Why are you sticking it in so much. without taking it away, big guy? >> Um, >> for marriage? I mean, stick it in, but. don't drop the babies.

>> Whoa. Jesus. >> I just. >> What? You don't think people for. marriage? You have three children. >> I don't know how they got there. >> Uh-huh. >> I mean, I just don't really see the the. benefits of like, you know, being. married and. >> Well, I thought you were going to say of. condoms. >> Oh, no. >> Okay. Benefits of being married. Well, there's lots of things. There's legal. protections. There's automatic wills. essentially that are taken in account. You can't testify against the other per. you're not compelled to testify against. the other person in a court of law. There's lots of natural benefits that. come with it. There's lower tax rates.

Child tax credit can stretch further. Um. it's literally just a legal thing by the. way. But then obviously if you guys are. ready in the emotional love way, then. yeah, lots of benefits. >> Yeah, you should make a decent woman out. of me. >> Yeah, he made a great woman out of you. Thanks for coming over from Phoenix. Um. what are the ages of the kids? Uh, we. have a 17-year-old daughter. >> 17. >> Dude, that even made Colton gasp. I. don't even like was it the. >> I am mentally 29. You can do your own.

math, >> but I am mentally 29. And I will die by that. >> How old are you? >> Don't worry about it. Old enough. >> That's kind of very important when we. calculate debt and interest. Well, old. enough to have kids is younger than you. should be having sex if we're being. honest. >> Yeah. I don't think you're going to be. able to get out of her. >> Yeah. No. >> Okay. How old do mental math? >> Do your mental math. Okay. >> That doesn't make any sense. You could.

have had you could have had a kid at. like 13. >> All right. Well, sometime in high. school. >> How old are you when you had a kid? >> Sometime in high school. >> She She's over 30. >> Okay. Are we going to have a producting. conversation? >> Yes, sir. But can we just pretend that. I'm 29? >> No, because your compound growth in the. overall marketplace, if we're thinking. about how much time you have to retire, is wrong with 35. >> I don't I don't love you anymore. >> The [ __ ] wrong with 35? That's not. even a big difference. That's 6 years.

>> That's so stupid. Why even do that? I'm. so confused. You know, that dramatically. affects everything in the world. >> Mentally, if you keep yourself young, you'll feel young. So mentally, I tell. myself I'm 29, so I feel young. Or is. she mentally? I can't figure this out. >> You're horrible. >> No, I mean, you could have just told me. your age. That's a very weird way to. start the episode cuz I asked you before. I even started filming. You said 20. What the [ __ ] What? I don't understand. It impacts everything. Age impacts. everything. We're doing the numbers. Your limited life here on earth. All the.

numbers that we are doing, the plan that. we come up with at the end and the all. the interest acrewing on debt or the. compound interest in the marketplace is. all dependent on age. >> Okay. Even your hammer financial score. is dependent on age when it comes to. retirement. So why why are we. pretending? That's so what a stupid way. to start the conversation. I'm sorry. >> My age. I'm sorry. >> This is stupid. This is Come on. I. wanted to come in like I you we were. giggly and I was like coming in feeling. good and you're just Why just that at.

the beginning? >> I'm sorry. >> What do you do for a living? 35year-old. Natasha. >> I am a stay-at-home mom now. Um, I just. had my baby. She's 3 months old. >> Okay. So, there's a 17-year-old, 3-month-old, and a what? >> And a 12-year-old. >> So, you had a kid at 18. [Laughter]. >> Okay. That's not that crazy anymore. It. would have been crazy at what was the. math going to be like 13.

>> Yeah, that would have been pretty. concerning. And I would have also been. looking at you. Well, well, I mean, you're at that point you. would have been 3 years older than me, so it's her then. So, this is it's. whatever. Okay. Okay. So, stay at home. mother. So, not making any money now. Is. it because we're afraid of you leaving. the house and immediately getting lost? Cuz based on this conversation so far, that's my main concern. I'm afraid to. let you leave the studio. Can you get to. the airport? No. I don't know. Without. him, good luck. >> No, I cannot.

>> Are you essentially a predator because. you're dating a mental child? No, she's not. She's not mental. >> She just What do you do, Mr. Oscar for a. living? Oscar is a very racist name we. gave you, but I'll accept it. >> It's all right. Um, >> better than like Domingo or something. >> Yeah, that one would have been better. actually. >> Yeah. >> But anyways, >> cuz your real name is actually quite a. white name. So, we just went like. >> It is. >> He He Well, I mean, it can be. I know.

whites with that name, but we went full. sombrero and Shaker with the fake name. we gave you. >> I blame. >> Oh, you chose it? >> Yeah. >> You're racist against yourself. >> Oh, never mind. No, no, no. The name he. goes by is his middle name. His first. name is actually incredibly incredibly. incredibly taco driven. >> It is. >> Okay. What do you do for a living? >> I work in construction. >> Yeah, he does. Okay.

Keep going. >> What do you do in construction? >> I'm a carpenter. Um, I drive the. forklift around. >> I thought I saw you renovating my house. Um, okay. >> You just drive the forklift around. >> Yeah, for the most part. >> Dude, you got the [ __ ] gig. Out of. all the construction workers, you got. the gig. You got a little bit of breeze. with the motion. >> That's what you a little bit of breeze. Dude, you're not doing this. You're. doing this. >> Yeah, I'm doing that. But it comes with. a lot of responsibility. It's not just.

>> responsibility is good because. responsibility usually comes with. income. I'm saying you got to get away. from the physical part of construction. Especially, I mean, Phoenix, we're. talking Phoenix. It's a little warm. there. >> It's not like I get paid extra, you. know, for taking on the extra. responsibility. >> Well, yeah, but you get less physical in. the heat and the sun and the crazy. >> Actually, no. I get worse cuz I'm. outside. I'm outside all day. So, >> isn't it most of construction outside? Well, you can get it like interior like. you know when you're working inside the. building. >> Interesting. I'm trying to make you. sound I'm trying to tell you you have a.

halfway decent part of the construction. gig and you're just really wanting to. tell me it sucks. >> It's cuz everyone like thinks that it's. like oh is it you know you got the. easiest part. It's not necessarily like. the easiest. >> Why are we a dick measuring who has the. worst construction job? I like I don't. know. >> I would rather have that than the person. nailing on the roof. >> Yeah. Yeah. Yeah. I know. >> Okay. I'll just say that. >> But don't make it seem like I'm working. inside, you know, like. >> No, I didn't say that. I just Okay. It's. oddly defensive. You guys are.

interesting. >> Well, you're making it seem like, oh, you got the dream job. Is not the dream. job, you know? Like, >> is this better than many of the others, is it not? >> True. >> I guess. >> So, it depends on your point of view. >> What do you make, Oscar? >> I make uh 31 an hour. >> Very good. How many hours a week. >> working right now? 50 60 hours. Depends. It fluctuates a little, but. >> yeah, grinding because and you can cuz. she stays at home. Is there a part of. Well, >> no, 3-month old didn't make sense to.

stay home. So, is there a plan of you. going back to work? Because he wouldn't. have to work as much if you were also. bringing in income. I understand. definitely being home at a 3-month. I'm. totally vibing with that. If he's. willing to put in the work, how do you. feel putting in that much work? >> It's more stress. >> Yeah, that's a lot of hours. 50, 60. >> Yeah. >> But stay at home wife, it is harder to. support on a single income these days. So, you really got to stretch those. hours to make that work, especially with. three children. Wait, not married. How. long have you guys been together? A. 17-year-old. >> So, my two the 17 and 12 year olds are.

from my previous marriage. >> Oh, >> I would love to go back to work. Um, unfortunately, I was terminated from my. previous job, but um I'm. >> Is it because you kept calling yourself. 29 on every HR report and all onboarding. processes? >> Yes, that's for sure. Why? >> Cool. What hits your account per pay? What's your per pay? Is it every other. week or bi-weekly? Monthly, weekly. Good. What hits? >> Yeah, it's around. >> on average. >> 14,500. >> Why are you fired? Oh, wait. Okay, let.

me get the math. Let's do 1450 if that's. the average times 52 divided by 12. Average it out. We're looking at about. not bad $6,283.33. Now, cost of living in Phoenix has. certainly gone up over the past few. years, but even still, it's not like the. most insane expensive city in the. overall country. Uh, but either way, why. did you get fired? >> But with that, he does get union taken. out. And then. >> I asked what hits the account. >> Is that what hits the account? >> Yeah. Yeah. Yeah. That's great. N, let's.

go. Well, that's being tax exempt. >> Oh, why? >> Cuz I lost my job. >> Huh? >> Cuz I lost my job. Why? You're going to have to pay taxes. if you guys aren't filing joint. The kid. isn't yours except for the. three-month-old. The child tax credit, I. mean, it's not going to cover your. income fully covering all tax. You'll. >> we are going to file joint and he's. going to be head of household and we can. claim the 12-year-old. That's the. arrangement we have. >> 17 is split custody. >> Yeah, they both are.

>> Okay. But even still, will 6,000 cover. the full total taxes you Oh, making you. make good money like that. six. Well, well, that's after taxes. I'm no taxes. Sorry. That's after you took. the amount you're putting to taxes from. paycheck basically to zero, right? Full. zero. >> Uh just uh federal zero. >> Well, yeah. Is there income tax in. Arizona? >> Yeah. >> Okay. >> But I don't do it I don't do it like the.

entire year, though. >> You're doing it now because you got laid. off. Even still, you're talking we're. talking you probably make like 80 80 I. don't know how much you take. So I'm. assuming 80 you're going to pay taxes. especially if there's uh yeah state. especially. >> this year I think I'm going to be making. like 65. >> then the math you just gave me makes no. sense. >> because. >> yeah I get like even still you're going. to have to for the year but on top of. that like it depends on like on the.

project like I I was working 40 hours a. week it like overtime barely picked up. >> so it's like it fluctuates you know and. it's not okay. >> but you'll probably still Oh, two to three by the end of the year. >> even with claiming both of the kids and. myself. >> I think so. Just about. just about. It's going to be close. depending on a lot of things. Okay. Why'd you get fired? >> Um, so I was 8 months pregnant. I had. been with the company already a year and. a half and I got let go when I was eight.

months pregnant. They told me that it. was because I was not adhering to my um. breaks and schedule. And I have. determination letter like it says. exactly that I was not adhering to my. breaks and schedules. >> I mean why the weren't you? >> Because unfortunately I get very very. sick and nauseous. Um so sometimes I. have. >> You were pregnant. >> Mhm. I had to like run to the bathroom. and like use the bathroom. >> I don't. >> So you have to go on a queue when you. >> There might be a lawsuit type thing in.

there. So when you go on on breaks and stuff, you have to go in a certain queue uh at. with that employer to go on breaks and. sometimes I didn't have time to do that. So I would just run to the bathroom. >> Did you start taking did you move up. from 40 to that 60 after she got laid. off or have you been doing that for a. while? >> Well, it's it just depends on the. project. Uh the project started picking. up so overtime came with it. But. >> Oh, so when the project's done, I go. down. >> Yes. >> I got I got lucky, you know. the project.

going to be done? >> Well, I guess lucky if you want to call. it that. >> When's the project going to be done? >> Um, >> projected. >> two, three years. >> Oh, okay. It's a chunky one. >> Yeah. But I mean, in construction, they. can change it. >> Yeah, it certainly can. >> Even with elections. >> It sounds like you told Colton that you. think they later off to avoid maternity. leave. >> I think so. Yeah. >> Can you prove that? >> I mean, they start. >> How close can you prove that? >> I have like documentation. I was with. the company a year and a half and they. never like brought anything about my.

breaks, my anything about like me taking. too much time during my breaks or. lunches or anything. So, >> okay. It's hard during my pregnancy. show. >> Yeah, just during my pregnancy, they. started making a big deal out of it. And. then I had um FMLA. I had approved um. work compensation or work accommodations. and I had approved um. >> So, what's going on financially now in. the household? What are things looking.

like today? >> Uh it's uh tight budget, >> you know. I So, well, no, I don't hope. so, but I hope you're at least. budgeting. I mean, is that 100% true? If. we go through your spending and income. payroll that came in was a,000 less than. you suggested. Well, 500. It was $5,836. came in. Okay. Uh, you know, maybe a. shorter month, whatever. Maybe it was. just less overtime that month. That's. great. How much was spent in the. household on our tight budget?

>> Uh, less than what came in. >> Huh? >> Less than what came in. >> Okay. So, less than what did I say? 5,836. What do you think? >> What? Counting bills and everything. >> Oh, every. >> everything. Sorry. >> You don't think bills are spending? Um, I would say probably around $4,500. >> Okay. It was $8,42. What is this tight. budget we're talking about? Cuz that. doesn't seem tight. That seems like. you're blowing all your money. >> Yeah. I don't know where that spend.

>> No. And where's the tight budget if you. don't know where the money's going? Isn't that what a budget's for? Isn't. that what a budget would say? Where the. money had gone, where it is going to go? >> I runs the finances. What's the dynamic. here? >> He definitely runs the finances. >> Okay. So you just take care of the kids. and that's pretty much it. >> Yeah. And scheduling and all that. Yeah. >> Scheduling. >> We have very active kids. >> So taking care of kids. Okay. So you. >> Well, right, isn't it? >> Yes. >> You're scheduling the kids things.

That's taking care of. >> Okay. That's a weird thing to take. offense to, I guess. But. >> you run the finances. How could you be. so wrong? >> By a lot. I mean, just. >> over 2,000. >> I don't know. Just kind of hoping that. it would be less. I mean, I tried to get. her involved in the in the finances, but. it's just not, you know, it's not there. And I I I feel like it's it's maybe one. of the things that's like holding me. back from, you know, like marriage and.

whatnot that it's like we don't. >> we don't necessarily agree on like the. finances. Like, >> what do we disagree on? What's what's. the big conflict here? her. way of budgeting is just I don't know. It just doesn't make sense, right? Like. I don't know like it just she says like. she tries to do it like week by week and. saying like you know at the end of the. week we'll have extra money but it's. like it it's not really extra money you. know and she thinks that it it's free to. spend. >> Well, how is she thinking this? Why if.

you're the running if you're the one. running the finances why is she thinking. this? >> So she doesn't she doesn't uh like the. way I do it. So she tries tries to do. her own. >> What do you think? What do you not like? He says you don't like something. >> So I can show you. He uses this app. that's called budget. dollar. I. >> use an app. >> I don't know. But he wants me to follow. the. >> You should use dollar-wise. New features. launched today as filming. >> Oh, maybe it's not. I don't know. But he. wants me to go in there and like.

categorize everything. That annoys me. and it's so tedious. Well, first of all, that's a bit weird. because again, if you use dollar-wise, it would be automatically categorized. Fix a couple things once and then it. automatically fixes it forever. So, there we go. That solves that issue. But. oh, no. Oh, I have all day. >> No, I don't. I have a three-month-old um. breast. >> I know, but you can hold the phone while. it sucks on the tit. >> No, you cannot. You have to support the. head and the breast. >> Fair enough. Put it down. Then look at.

the budgeting. This is like the these. tweaking the categories things if you do. it every other day does not take that. long unless you're going out there and. blowing all your money endlessly. constantly. >> Like lack of sleep. I sometimes I don't. even feel like I'm here. Like I'm like. zombie mode. I'm like running on like. fumes. >> Okay. So after we did the two tax credit. had a household with her as a dependent. I guess. Yes. >> Um with the money you've likely set. aside for taxes this year so far. I. mean, you're going to have to pay.

3,317ish. in federal, not state taxes, and that. was probably set aside this year so far. already. So, I think you might be okay. I extra careful. I don't know. I don't. want to promise that. It is not my fault. if you owe money by the end of the year, but that's at least what we're seeing. Okay. >> I'm just hoping my tax lady can work up. some magic. >> Why do you have a tax lady, though? You're just literally, you know, you're. taking standard deductions saying you. have a kid. Why do you have a tax lady? You don't really have a complicated. thing. Are you a contractor? No. >> Yeah, exactly. Why? Why do you need a.

CPA specifically? >> I started doing our taxes. So, I mean, >> so they can work. >> You're the person that doesn't know the. money of the household at all, nor the. categories of anything that is. happening. But is that not true? >> But I can do the taxes. Okay. >> How? You don't know what the is. happening. How. >> you're so mean. >> What am I? You just You don't know. Can. you like is there a rebuttal? Is like. you don't know what's happening. How are. you the tax person? But when it comes to. the taxes, I can go through like the. prompts and through the system and like.

>> I mean, as far as I know, this is this. is what I have through the conversation. you guys had with Colton before is that. you guys who he tries to sit you down in. budget and you just simply don't listen. You just don't listen. >> I do listen. >> Oh, [ __ ]. >> He is so ted. He's very. >> Oh, he gets into the numbers and where. they've gone. >> Yes. >> And what's the alternative? I just want. to have a breakdown of every week what. needs to go out weekly budgeting that. just gets way too.

>> to me. >> I want to go through everything that's. on the week every week and then at the. end of that week have what we need for. that week. So the amount we need the. amount that's set aside for future. bills. So for next week or the week. after. it works for me when I was living by. myself. >> Well, you're incorrect. When I was. living by myself and with my apartment. and my own kids, I it worked perfectly. fine and I was able to pay all my bills. and I was able to pay a month. >> You had no debt.

>> I did have debt. >> Shut the [ __ ] up then. What are you. talking about? Clearly, it didn't work. if you had debt. Like what? That doesn't. make any sense. >> Well, I was saving up to buy our home, so it didn't work. Yes, I had debt but um unfortunately. sometimes I just had to put some stuff. on credit card. >> as in your budget didn't work. >> because I was learning to live on my own. as. >> learning. Yes. >> Well, when did you break up with this. dude or how quickly did you guys what.

you wait six years ago you guys met, right? You guys started dating six years. ago. So what the you talking about? When. are you talking you talking about over. six years ago? >> I literally live with myself for only. like a year. So, I learned to start. paying for my own stuff and all that. >> This was so long ago. I don't give a. [ __ ]. >> Okay. But, um, it's. >> also weekly budgeting just doesn't work. cuz there's things that don't hit. weekly. Rent's not a weekly thing. Car. bills aren't a weekly thing. It doesn't. make sense. When a massive expense comes.

that might be 30, 40% of our income, like rent, sometimes 50%. That doesn't. make sense to budget in weekly because a. weekly amount wouldn't cover that. You. have to budget it monthly and make sure. you have enough money. Caleb, it doesn't. work for you. I've talked to all my. girlfriends and this is literally how we. all like our brains work this way. >> Maybe this is like a male thing and a. girl thing because. >> Oh, are you really going to do guy math. versus girl math and [ __ ]. >> Yes. I swear to God, it's different. All. my girlfriends have the same way of. budgeting. And. >> I have a little question for you. Let's. play some trivia. Uh,

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and see how a real personal approach can. help you escape the private loan. nightmare. Because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. Which one? Which one had. that? Cuz it wasn't my YouTube money. that did that. Which one accumulated a4. million net worth? Okay. So, whose. system likely works. versus not? Do they have debt? >> But again, can they have debt? Do they. have debt? >> You're a guy. >> What does that mean? >> I don't know. And I'm going to their de. like their finances. Then why the are. you listening to people you don't even. know if their finances are working or.

not? >> Because I'm not going to pride in their. like personal. >> Why do we trust that it works? >> I'm just saying that all of us girls. think the same way. >> Little sexist. >> No, my click. My little girlfriend. click. Not all girls. Just my girlfriend. click. >> Yeah, I don't I don't get that. I don't. Do you hate them? They sound horrible. Well, no. I I wouldn't say I hate him. I. just. >> You guys have a click name?

>> The click. >> You're such an ass. >> Thanks. >> Like I I Why are we listening to people. if we don't even know if they're. successful or not? Like would I listen. to a random person on the street or even. a friend? No. Okay. For example, there. is actually someone in my friend group. who always tries to talk about, you. know, what should be done in the world. of business, yet he's never built a. business in his life. Why would I listen. to that person? >> Like, why would I?

>> I'll ask them about their. >> if I saw them build a successful. business, then let's do it. He has. experience. He would know what's going. on. He doesn't. So, it's like, okay, I. listen and I nod and then I don't do the. things he says because he has no real. real world experience with it. What? Like you don't know if they maybe. they're complete failures, maybe they're. not. And you don't see it on the. outside. No one shows it on the outside. in the United States. We just put. everything on debt and we look like. we're living a good normal middle class, upper middle class life, no matter who. you are.

>> True. >> Uh-huh. So why the are we listening to. them? Girl brain versus boy brain. This. is stupid. >> I don't know. It just I It works. >> Why would a boy do it different? Come. on. If that's what you're going to say, what's the why? It just when he talks. about it and he like breaks everything. down like he wants everything very. >> rationally instead of emotionally. >> You're so annoying. Everything. >> Come on. If you're going to go boy brain. versus girl brain. >> monulously and like he like wants. everything categorized and it just it.

>> you don't want it categorized. >> No, I just want to know like. >> housing should be in the same category. as going to McDonald's. >> What housing should be. >> what? You're annoyed that he categorized. his purchases and expenses. So that's. why I just want to know like what needs. to go out every week and what needs to. like be set aside for future. >> but you don't know want to know to what. and also weekly doesn't matter again. this isn't boy brain versus math brain. let's say what's your rent. >> $1850. >> okay $1850.

divided by the what I'm going to round. down to as uh $6,000 not 6,200 on a. monthly basis. Okay, that's 30%. Now, there's usually four weeks in a month, right? >> Mhm. >> Can do we agree on this? >> Yeah. >> Yes. >> Do we agree on this? Uh, Colton, may I. have a whiteboard? I I just I really. want to draw out what a boy brain. thinks. >> See what I have to deal with when I'm. doing a budget? >> Uh, yes. I would divorce her immediately. even though you're not even married.

>> He's not married, so he can't divorce. me. >> That's what I just said. Okay. So, there's four weeks. Here's a week. >> My god. >> Here's a week. >> He's already doing it wrong. >> Here's I'm doing it wrong. >> Yes. >> How am I doing it wrong? You don't even. know what I'm doing. >> I need horizontal. >> These are four weeks, right? >> Okay. >> Okay. Do we agree? >> Sure. >> 1 2 3 4. Yippee. We figured it out. Now,

if you're budgeting weekly of what money. goes out on a weekly basis, well, fun. fact, rent hits once. And yeah, there it. is. So, that's the first week. Rent is. 30% of income. If we're budgeting weekly, each week is. only 25% of our income. That means this. is cuz this is already overfilled by.

rent. You can't budget weekly cuz it's. already gone. It's done. It's. obliterated. It's ruined. You have to. budget monthly because if you budget. monthly, rent is only this. And then you can figure out what to do. Your week what? This doesn't make sense. You can't budget weekly. >> See, again, this is what makes sense to. you. >> Okay. Girl brain math. Erase this and do. it for me. >> So, >> girl brain. >> Girl brain. >> Girl brain your face. >> What was What does that even mean? I.

don't know. >> Okay. So, the way I like to do it is. >> Yes. The girl braid method. >> Gotcha. >> Okay. >> We went horizontal. Yeah. >> So, I like to think of everything that's. going to come out this week. And. >> well, can you explain what everything is. here? I explained what everything is so. I could so you could follow. >> Okay. Sorry. Mortgage. The. >> What are the lines? >> This is one week. One week, two week, three weeks, and four weeks. >> Okay. So, there was no line for the.

fourth week. That's interesting. >> Oh my god. See, >> I just want to make sure I'm following. >> Yes, I am. >> I'm just What? >> You're so annoying. >> What are you on about? >> Anyways, so whatever needs to come out this week, I need to know what monies we need here. and then what's left over. And then. whatever money is from left over here, I. need to know what needs to go on the. next week, the next week, and the next. week. and what's left over for each. week. And I would love to have whatever.

is left over here go to the next month. already. >> But it's not possible. No money would be. left over. >> I want to build it up so that we can. have money left over. So that's the. thing where I get annoyed with him cuz. I'm like, "Okay, you're telling me that. this money is left over in the account.". >> Budget isn't savings. A budget's just. like the money going out that is. inavings. >> Huh? >> I know it's not savings. Then how can. you only spend half of the first week. when your rent is 30%.

>> I don't know what you're saying, but. >> what if rent is 30% of your income and. each week is broken down to 25%. >> Cuz you get paid weekly. >> This is what you like guys like. mentally cap yourself because you're. like, "Oh, we're already like here. >> I'm just confused. >> We're already here. We're already. spending all of this money." I'm like, "Okay, maybe I'm mentally capping. myself. Can you ask Can you answer me. how this works?" You need to start. building your money. So, I need. >> So, you're talking about reserves. You're talking about savings. Savings. isn't budgeting, though. >> Are you going to let me talk?

>> Yes. >> Reserving money and then having money. set for the next month's bills already. So, I need to have everything for the. next month already. Every month. So, right now, I want to. have everything for November already. And then after that, I once we have. money left over and I know that we're. going to have everything for December, then I know that we have savings and. that needs to go into the different. account. >> Brought in less than $6,000 and spent.

8th. I don't think what you guys are. doing is working. Why are we What's your. thoughts on this? You're not saying a. thing cuz what the is what am I. witnessing? >> It's cuz I'm still trying to understand. her method. We've had this conversation. over and over and I still don't. understand her. >> I like I kind of get part of bit but. she's like moving ahead to the next. month when I'm still trying to figure. out this month. >> I mean she's listen when we're budgeting. on a monthly basis. This is what a. budget actually looks like is you say we.

have this much money to spend. >> or well the expenses are this and you. tow your money where it's going. You're. talking about reserves. You don't even. know what's required on a monthly basis. cuz you won't do a budget and figure out. what categories are when you're not. willing to cut down and break down where. money is going on a category basis. You. can't know how much is required for the. next month. >> When you cut down, if it tells me like. >> no no no break down. You're not willing. to see where money is going on a. category basis. So you can't say what.

November costs to save up for in the. month of October. >> I will say it's hard to stick on a. budget with three kids. >> What do you mean? That's you. Are you. telling me people with children don't. budget? >> No, I'm not saying that. >> Shut the [ __ ] up. This is more expenses, but you have to choose. >> I mean, I don't expect you to understand. you don't have any kids. >> No, but I have a budget. You do not. I. have money. You do not. But no kids. >> I've been successful in life. You have. not. But you don't have. >> You are 32 and you are further behind. than I was at 1.

>> And that's okay. That's a weird like I. mean so this has nothing to do with. brag. That's fine. It's not bragging, but if you're going to say, "I don't. understand cuz I don't have kids." Oh, I. understand numbers, big guy. A children, a child is not needing to be involved to. do a budget. >> I'm just saying it's harder to stick to. the budget when there's kids involved. >> Cuz you just have discipline, big guy. >> Everything seems, you know, easier on. the outside. Like they say, it's easier. said. >> everything is easier on the outside than.

not. But if you have a little bit of. discipline, you can commit to any. realistic budget and you can follow it. You tell the money where it is going. If. it is no, if you've overspent on a. category, you tell them, "No, we cannot. go to McDonald's today.". >> I will say my kids were not very used to. being limited. >> First of all, first of all, a. 12-year-old and 17-year-old can handle a. conversation saying, "Hey, we don't have. as much money right now, and we're. trying to fix some of our mistakes.". >> I wish you met my 17-year-old. >> Okay, then your 17-year-old's a piece. But what about for like sports? Like.

they want to He's 17. He's basically an. adult. She is a child. She's living the. tick tock frontal lobe 25-year-old life. She's almost 18. She can have. independence and sign up for the. military at 18. And she's being a. dumbass. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That.

is bad tracking. And it's exactly why I. use Dollar. It shows you exactly where. your money is going every single month. Spending, subscriptions, and savings, all in one simple dashboard. Everything. you need and nothing you don't. And when. you download Dollar today, you'll get a. try for free, plus 3 months for just. $9.99. So you can finally take control. and see what your money's been doing. behind your back. Click below to get. started. >> No, she's not. She has a job. She works. She pays for a lot. >> I don't understand. She's not someone I. would want to have in a workplace. If.

she can't handle a conversation about. needing a budget, >> she. >> if she is that immature of a. >> it's. >> then I don't want to hear. >> we are going to. >> she needs to handle she needs to handle. conversations. >> If she can't handle dude she's about to. literally potentially go to college and. live on her own. If she can't handle a. conversation about how her parents need. to come back that I don't want to hear. give a [ __ ] about her. She needs to. handle it. >> No, I wasn't saying that. When we first. met. >> No, no, no. You just said, "I I wish I.

could have heard a conversation with my. 17-year-old.". >> When we first met, it was harder to tell. her. No, she. >> Okay, congratulations. It's not 6 years. ago. >> Okay, you're right. >> I don't give a She understands better. She not When I lost my job, >> then there's no issue. >> You're right. When I said when I sat. them down when I lost my job and I told. them, "Hey, things are got to be a. little bit tighter." They understand. They do tell. >> then why the bring up it's harder to. budget with a child and they can't. handle that conversation. What are you. talking about? backtracking real quick. This is why we build up. >> Why do I care about earlier?

>> Cuz this is why we build up debt. >> What? Dude, I'm talking about now. You. guys are saying it is harder to budget. with children. It is an extra thing put. in there. Of course, it's a little The. more and more things you put in there, the harder it gets. That is an objective. reality. That doesn't mean you can't. >> You're right. >> So, what are we talking about? >> They're very active. >> You know why it's hard to budget? Because the two people that are supposed. to be budgeting together can't agree how. to budget. Can't agree on how to spend. money. If there's bonus money, you blow. it. You know all the numbers even though.

you don't because we talked about it and. you didn't know what the was actually. going on. And then she's just out there. doing whatever, not even being involved. So that is what I would say makes it. harder to budget out cuz you have. children. >> Well, I will say because they're active, they have tournaments and such. So when. they have things going on out of state. >> the budget, >> you're right. if I was involved in the. budget, but when it's like things that. they have going on, I just say, "Okay, yeah, we're going. We're going to. California. We're going to Vegas. We're. going.". >> Then you're a bad mother. >> I want to be there. I want to go to the.

competitions. >> Budgeted in. You guys make money. >> Well, >> you guys also have debt. How much debt. you guys have? Oh, >> yeah. >> Uh, >> over $100,000 of debt. That's not even. That's not even the house. Literally. Wow. 133 $130,000 of debt. That is not. the house. That is not the primary. mortgage. >> I didn't think it was that high. >> Yeah, I didn't either. >> Oh, good. I'm glad we know absolutely. nothing. Listen, you I understand cuz.

you don't know a single thing in this. world. I don't know how you survived. this long. You You look at the numbers. How the do you not know? Isn't our goal. to pay off the debt? Apparently not. Not. if you don't know how much debt there. is. >> It's It's difficult. You'll probably see. once we start getting into the finances. I kind of she ran her finances one way. and I did mine. Well, I mean, you. already saw, but obviously, you know, like she has her credit cards, I have my. credit cards, you know, and so. >> she ran what?

>> She has her credit cards and I have my. credit cards and you know, they're not. all joining. >> But you don't communicate about the. overall spending because obviously we. have to put money towards the credit. cards when it comes to paying minimum. monthly balances at a minimum. You guys. just don't talk, do you? I mean, we. tried to, but like when she had a she. had a job, she had like some money from. her paycheck put into her own account. that I didn't have access. >> I have my own credit card. >> I mean, you guys aren't married. Maybe. you should do finances separately for. now. I don't. >> I'm not married. So,

>> okay. So, she wants to get married is. what I'm picking up. >> But we can't like I'm just asking for. >> Would it make more sense? >> So, just get married. Six years in we. have a kid together, right? The kid was. his, right? The new one. I just don't. see like the point like. >> Well, I already gave some reasons. >> Yeah, but it's like I don't know like is. it tax bennies? >> I don't think it's necessary. Like I. mean we're. >> it's not I guess 100% necessary but it. makes complicated things a little less. So. >> I already gave him a daughter. >> Gave him Okay. Interesting.

>> But I mean. we probably we could probably talk about. that later. You know. >> what the kid? >> No. Down the No, no, no. marriage down. the line, you know, like. >> why? I mean, I don't understand. You're. blaming her running up on credit cards, but you're running up credit cards as. well. Someone ran a train on her before. Now there's a 17 and 12year-old that. apparently we can't have a conversation. with. Like, if that's just what we're. blaming things on, like, I don't get it. Can't have a conversation with them. >> Yeah. See, he wants me to be financially.

responsible, but I'm not his wife, so I. don't have to really listen to him. >> Though, come on. You guys are acting. like life partners. I'd be okay if you. relatively combined at least overall. aspirations even though legally you. don't have those protections that would. protect you afterwards to just get. married. >> Why not? >> You don't have to do a big thing. Just. do it for the protections at a minimum. >> Just want scares you. >> What scares you? >> What scares me is the like that she's.

going to want a a big wedding. >> Oh my god, that's not even true. >> No, no. Do that in a couple years. just get the legal protections now. >> Like go to the court and sign papers. No. >> Oh, okay. Well, maybe you're right. >> But I was saying like go like his mom. has a really nice big house, so I was. like just do a backyard wedding. Like I. don't I'm not even asking for like a big. >> Yeah, but you guys don't really have. money to do that. >> So we can get padinos. >> Okay. Nobody knows what that is. >> Godarents.

Well, it's not a. >> god parents. What the have to do with. you not spending money? >> Ding. It's like a Mexican thing like you. ask for like. >> um. >> basically financial help. >> Yeah. To help you with certain things. >> Well, that'd be great if they can. Who. knows their financial ability or if they. would even want to. But do what? They. cover 100%. >> Oh, I mean they don't. >> You don't have money. You're. overspending. You're. >> How much retirement you got? >> Uh right now because I've taken it out. >> Oh, that's a giggle. We're giggling at. that. She's giggling. Hey, your future.

wife is giggling at the fact that she. took money out of her retirement. >> I lost my job three times and that's why. I had to. >> stop getting fired. >> I'm not getting fired on purpose. >> Well, does anyone I guess that's kind of. quiet quitting in a way. >> Yeah, that's a trend. But that's. >> an old trend now. It's quiet firing. >> I had some really bad things happen in. my life. Some family losses and. unfortunately affected my job. performance and that's why. >> three times. >> Yes, three times. Unfortunately, my mom.

and my baby sister um passed away one. year apart. >> Yeah. >> Yeah. It's tough. That's [ __ ] And I'm. sorry, but. >> I was probably not the best employee. I'm not. >> Well, I mean, knowing this and your lack. of communication with the person you. want to marry, I highly doubt you. communicated with the bosses. What. you're going through and I mean, they. will give some grace. Most normal bosses. will give some grace, but not permanent. grace. I asked for a couple they they. literally asked me to go back like a. week after my losses and I'm like I need. more time. They're like well. >> what were your jobs? Not the not the.

companies just like what was the like. job? >> The first one was at the financial. credit union. The second one. >> okay so yeah it's a credit union. You're. right. They're going to be more. corporate. You know it you got to do the. job. They can replace you like that. That's fair. That makes sense. I. understand it. That's not how I would. run a business but I get it. Okay. Next. one. >> The next one was administrative. assistant. Well, yeah, they kind of need. that almost like 24 hours a day. So, I. also kind of understand that one. Would. again, would I do it? Not necessarily. But I understand it. You're gone. >> Yeah. And the second one was my um was.

my baby sister. So, that one really. affect me. >> Oh, yes. I get that. I understand it. But I also understand the job. Yeah. >> Like they can just go get someone in. like two seconds. >> No, for sure. >> Okay. And the next job was. >> Well, this latest time was because um. >> I know, but what was the job again? It. was just processing like back. >> again an easy one to replace. So I. understand why they would want someone. in there who's just going to do the job. even if there's tragedy going on. Sucks. But I do understand it.

>> Guys, there's so many things to talk. about. Okay. But I just I have to get. into these finances. I'm just my big. concern is we're getting these finances. but we haven't even come close to any. kind of resolving of just how you guys. view budget because if you if you guys. we can walk out of here understanding. the debt and where the spending is. But. if you guys are not aligned on how to. budget and how to communicate there it's. there's no conversation. You guys are. >> I will I promise if we have a good plan. and a good way to get out of debt after. this I promise I will.

>> Girl, you won't even monthly budget. I'm. saying I will start doing it. >> I tried to get her to to do a budget for. this month and she. >> What happened? >> She she fell through. She didn't she. didn't do it. I I told her before the. the previous month ended. >> like, "Hey, can you work on it that way. like you know you can put in things that. you want to do or like you know like if. there's certain like things that you. want to spend on um that you can put it. on there and see so you know you know. how we're going to be for that month.". And she couldn't do it. And now he wants.

me to ask permission every time I spin. Ah, >> the permission thing gets a little. weird. And not the marriage or the. dynamics is a little weird because. you're an incredibly untrustworthy. person when it comes to finances. When. it comes to finances, not saying you're. going out there and taking dick every. day. I'm not saying that. Neither is he. I don't think I don't think he's taking. dick every day either. >> I don't think you are either. >> I'm not taking dick every day. I'm. giving dick. >> We'll have to ask your partner to. confirm that. But yeah, >> she'll confirm that. Then also we have. fun. We have fun. I'll tell you that. Uh.

but also uh yeah, but tr money. trustworthy. So I understand that. And. you know, and then it gets a little. maybe overcontrolling where it's like. permission for spending. It's just like. it's hard. It's hard. It's hard. It's. hard. It's hard. >> Yeah. For sure. >> I'm going to go 3 2 1 point on point. I. want you guys at the exact same time to. give me what you think your financial. score is. 0 to 10. Zero being the worst, 10 being the best. Okay. >> Okay. Yep. Three trace dose uno.

>> five. >> one. >> almost at the same time you're why again. why five why do you think you're middle. of the road. >> Kayla but f you okay I think everybody. has debt um. >> okay that's not true but yes Americans. love debt. >> I think that I really think that I try. not to spend as much or try to like do. everything I want to do So, I try to hold myself back and not spend.

as much. >> I think she lives in a very um. optimistic world where she thinks that, you know, everything will magically just. work out itself and. >> like she doesn't care about the numbers. who like what the numbers are showing. >> She just think everything's just going. to get resolved out of nowhere. >> magically. Easara, >> no, you said it wrong. But I was close. enough to get my point across.

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>> You know, I'm Mexican. >> I don't know what other languages you. speak. All I know is I got a little. intimidated. Okay, that's all I'm. saying. That could have the [ __ ] could. have been what they chanted before the. [ __ ] plane hit. I don't I don't know. what's happening right now. Okay, that. all sounds gibberish to me. >> You are gibberish. >> I am from West Michigan where I saw. approximately two people that weren't. white my entire life before coming down. to this diverse location. >> That you from Texas this whole time? >> Nope. If you watch your financial score. or hammer financial score, uh trust me,

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Okay, here we go. We got our chunky one. at the beginning. So yeah, I mean on your record and when. people do employment searches, I mean. your record is going to show firing on a. lot of the employment databases. If they. marked it as such, they will see you as. fired for performance. How are you going. to get another job? I don't even know. I'm concerned. Three firings, unless. they're not marked as firings and it's. like layoffs, stuff like that. Okay, that'd be different. But straight up. fire.

>> I'm not sure. But I've been very lucky. getting hired. >> Yeah. Yeah. To what wages? Cuz these. don't sound like. >> I mean, >> you know, >> my last job was probably the worst one. that I had. I was making like. >> going down. Yeah. 19. Phoenix ain't. cheap. But you guys together now it it. provides. It provides. It's not bad. >> But of course, on your own, I mean, I I. don't know. But $7,787. out of the gate. chunky as. Of course,

you guys couldn't send a statement cuz. people don't know how to use anything. Who has this? >> There was no statement for that one. >> There always is. Who has their phone? >> No, there's no statement. >> There is. Who has their phone? There is. >> Yes, there is. There always is. There's. no such thing as not a statement. >> There's not a statement, >> dude. This is discover. They have. statements. You. >> It literally pull it up. >> Statement summary right now. >> It's coming up. It's loading. Your Wi-Fi. sucks. It's literally loading. See? Oh, I. believed you. I didn't think it like.

wasn't literally loading, >> but that one. >> I sent my discovery in a. >> there wasn't a state. I don't know if. you want to look at it, but there wasn't. a. >> That's why I asked for it. >> cuz um. cuz if you can see on the screenshot, >> what's your normal minimum monthly. payment, big guy? >> Okay, here it is. 156. Wow, that's never. going to get paid off. >> It barely came up, right? Cuz I I barely. did that. >> So, I clicked view statements. >> Oh, yeah. >> Then I September at that time. And. there's the statement. >> At the time I sent it, it was that was.

hard. >> There was only the screenshot of that. was a very difficult thing. No. one. >> fees. $370 of fees. Was this a transfer? >> Yes, >> dude. Chunky. Why? Because we couldn't. afford to pay it. I mean, >> can you even afford this? >> Well, we at the time we couldn't. So, this is when she like lost her job. So. like we weren't going to like we're. going to see. >> this is why a six month not having an. emergency fund is an emergency. You.

never know when you're going to lose a. job. You never know when you're going to. be pregnant and at the same time. You. never know when that's going to happen. And that is very that is a scary. combination lady. Then all of a sudden. you get fired from three jobs in a row. >> So I had to do that balance transfer. It's not like I wanted to but I had to. do it cuz we weren't going to be able to. afford like all the bills for the next. month. So in order. >> Yeah. I mean, I would have called first. and like asked for hardship due to a. layoff and they would have put you at. like a low like 1% rate thing for a. little while. Usually, they're pretty.

lenient. They would have done that for. maybe 6 months instead of taking this. massive 10% fee out of the gate. You. just got Well, not 10%. Let's see what. what did we get hit with? >> Can we do that with discover now? >> They said it was 5%. >> Yeah, 5%. You just got hit. That wasn't. 5% of crewing. That was 5%. >> But now I got 0%. >> for a second, >> which is going to make up for it. >> for a little bit. If you called, you. wouldn't have had an extra fee, maybe 1%. lower payment. Well, it doesn't matter. It's transferred onto a 0% card. >> But again, it was just to make it was. just to make.

>> um. for that long. We're talking it's not. even a full year from now. >> I think it was like I don't remember if. it was 10 months or 12 months. >> 10. >> 10. >> which is now less than that. So it's. luckily I mean it's not acrewing. deferred interest but this thing'sing. chunky dude. This is a huge debt. Decades to pay off. Decades to pay off. Minimum monthly payments only without. purchases. And that's if you don't. purchase because you do have a little. room to purchase. $1,713 of purchases.

can be done. That's crazy. Now, why'd you rack up that credit card. in the first place? They had to be. transferred. Cuz here's the reality. You. weren't racking up that credit card when. you were laid off. You transferred cuz. you're well, not laid off, fired. So, a lot of the balances. I like to give gifts. So, when Christmas time, birthday, >> $7,787. of gifts. >> Well, I mean, we've also we've also, you. know, taken trips. Uh, last year we went.

to Miami. >> Not without an emergency fund. That. makes no sense. That makes no sense. >> I mean, it made sense at the time. >> It does not. It never makes sense. Nothing makes sense about spending fund. money when you do not have an emergency. fund cuz look where we are today. You. just ate 5% like that because you didn't. have an emergency fund to cover your. payments for 6 months. >> But it was it was to go see uh Lo Messi. >> I mean I don't know if you're. >> in Miami FC. >> No, it was uh it was it Copame America.

Yeah. >> Yeah. It was like international. >> What did you just say with Argentina? >> American Cup. >> Don't intimidate me again. >> American Cup. >> That that's just the name of the. competition, but it is an international. So, it wasn't with Miami. >> In Miami, but their soccer stadiums. about a thousand years from downtown. football, >> but they don't go they don't go to. Phoenix. >> Like, the World Cup's coming up next. year. So, >> you know who invented the term soccer? >> Maya. >> No, >> the Mayans. >> No, the US. >> The British. >> Oh, I don't know about that. But the. Mayans.

>> they still call it football and they do, but a lot of places call it uh soccer. >> No, only America does. >> Nope. That is not true. That is not even. close to true. I believe it's Australia, many Asian countries, >> all the Asian countries that I've. listened to. >> I said some Asian countries dick. >> You're a dick. >> Yes, I embrace it. >> But yeah, that's what that's I mean, >> okay, that was 100% necessary when we. didn't have an emergency fund to cover. ourselves when an emergency happened. And now an emergency has happened. >> She had a job at the time. I didn't.

think. >> Well, you didn't have an emergency fund. That is when you build an emergency. fund. You don't build it when an. emergency is happening. That's when you. spend it, you dumb. Like what do you. think an emergency fund is for? It's an. emergency. >> Well, there was still room in that. credit card for the for an emergency. >> Oh, my [ __ ] credit card. And look where. we are today. You just had to transfer. because you can't cover the minimum. payments. >> But now the other one's zeroed out. So. now that one's the emergency. So in case something does happen, that. one's, you know, free. It's ready to go. >> Free and ready to go. So that's So. that's what it is. So we spend it on an.

interest occurring card now that we're. also that we could see Messi. I mean, I. say it was it was worth it. >> No, because now you guys are literally. dying and I'd say your kids are more. important than Messi. >> Yeah, I would I would say that, too. But. I mean, you you have to see Messi before. he retires. Like, it's just a must as a. soccer. future three year the three-month-old. when you see this in the future, your. parents prefer Messi over you. >> No, she wasn't even born then. >> Yeah, she wasn't born.

>> Dude, was she pregnant? >> No. Okay. Well, the 17-year-old and. 12-year-old when you hear this tomorrow. >> Yeah. >> They have their dad. >> Okay. United States, Canada, Australia, New. Zealand, Japan, South Africa, Papa New. Guini. They call it soccer. >> Oh my god. >> They call it soccer. >> 90% of the world calls it football. >> Dumb. Cuz they're too afford. >> You're an idiot. A lot of.

>> good one. A lot of places play other. sports, but mostly they call it. football. >> Well, yeah. I mean, cricket in the. places where they like to eat crickets. >> So stupid. >> Sure. Sure. Caleb. >> can't eat cows, so they try to get their. protein somewhere. >> You don't follow sports. >> I I heavily follow sports. What are you. talking about? >> Apparently not. >> Patriotic sports. Freedom. >> NFL. America. >> I just I mean, I don't get it. I mean I. you're wearing a a Japanese something.

where they call it soccer. >> They call it football. I've listened to. Comcast. They call it football football. >> You've listen to Comcast? >> Yeah. Like when they're the announcers. where they're commenting commenting. >> Commentating. >> Commentating. >> I don't. footballer. That's what you hear? That's. that's what you hear and like oh they. call it football. >> You're an idiot. No. >> How have you not gotten cancelceled? Seriously, >> I'm unconsensible. I'm full goon to the.

max every day. If you're full goon to. the max and everyone knows you're a. goon, no one gives a when you're a goon. >> True. >> Who? Also, we're done with cancel. culture. No one gives a pearl clutchers, Tik Tockers, Redditors, they have been. shunned to the edge of society. Sponsors. don't care. The real people who are not. terminally online don't give a there is. no cancellation. >> After they try to cancel Eminem, I was. over it. I was like, >> they try to cancel me like 50 times. It. doesn't work. >> No, >> why would it? I don't have a bunch of. [ __ ] in the audience. I do love your. hair, by the way. >> And I really don't like yours.

>> So, PayPal credit. This is Natasha. Um, I just have a note. I just have. >> Yeah. >> Yeah, cuz there's no statement. So, he. wrote it on a piece of paper and printed. it. 4,500. She does not have the. statement. Can you pull it up on your. phone? >> No. I got. >> What is wrong with you? What is wrong. with you in every way? >> Are you going to let me say it? Well, I. really like hearing you not talk, so I. try to interrupt you, but I'll give you. this moment. >> My god. So, I got blocked from that one. because I was not able to make the.

monthly payment because. >> Well, we could go to Miami. >> No, >> you t. >> because when I made a purchase, I don't. know how or why, but apparently they. open it open like a debit card instead. of what was my credit card and it. charged that. So, I had no idea. Yeah. I. >> Wait, wait, no, no, no. What? What? They. opened up a debit card instead of a. credit card? >> Yeah. So, I had my credit card already. and then somehow I charged up a debit.

card with them. I have I didn't know I. had even had. >> charged up a debit. What is she saying? >> Okay. >> I don't know. So, that's one of the. accounts that she handled on her own. with the money that she was getting on. on the side to her own account. So, I. have no idea. I do I do remember just. seeing statements about it like past. due. And when I talked to her, she said. she was going to get she was going to uh. take care of it, but that never. happened. >> Still confused on what you're trying to. say. >> I'm really really confused. >> I was on PayPal. I was making a.

purchase. >> I'm sorry. Listen here. Here's the. reality. Here's the reality. When you. set yourself up as being the arbiter of. girlin versus boybrain, you are going to. make us as a country repeal the 19th. amendment. You being the arbiter of. women. I am not the arbor when it really. trying to freak me out. >> Please follow Jessica Crocker. She's. better. >> Do we know Jessica Cocker? >> She's Isn't she one of your. representatives? Texas. >> It was at this moment that he knew he.

[ __ ] up. >> Oh, Jasmine. Sorry. Jasmine Cocker. >> You don't even know the people of the. >> She's not my representative. >> Not my representative. >> Oh, well, sorry. >> I don't think I I. >> She's Texas. >> Isn't she Houston or something? I don't. know. continue. >> Okay. Well, I was making a purchase on. PayPal. Then when I went to check. >> tickets, >> when I went to go check out, it charged. a debit card with PayPal that I had no. idea I even had or was a option.

>> while at the same time also lying to him. about the overall price. >> No, >> you lied about the price. >> Yes. >> No, >> she didn't tell Oscar the full price of. the tickets. Yes. What the? Like seriously? >> I'm sorry. It's just um I I didn't get. to see her the first time because my. friend was getting married. So this time. I really wanted to go see her and I just. wanted to secure the tickets and I. wanted floor tickets. >> So I I had a great time at the show, but.

I mean she you know she had set a price. and I was like you know okay like you. know I got to see Messi so you know you. could see Shakira. mess it up and shake. it like her. >> But I didn't know she had lied about the. price. I mean, so how much was it? Like, >> sorry. >> Yeah, that. >> How much was it. >> for all three tickets? Cuz we took my. daughter, it was 4,500. >> What the [ __ ] That's. >> But I That's insane.

>> I need Well, we had agreed. >> and I was pregnant. >> That's insane. Still though, >> what the wrong with you? What did she. tell you it was? >> It was Sue 2000. >> Half. more than half. >> But it was Shakira and I don't know what. I was going to be able to see her. >> If I serious, it was four grand. >> You're a liar. >> Yeah. Sorry, >> but I think.

>> she doesn't give a. dude. Why? I'm sorry. I'm sorry. Listen, she you you seem like a fun person to go. to the bar with, but not a fun person to. live the rest of life with because. you're a liar and can't communicate in. any way whatsoever. Why the are you with her long-term. partnership? I would agree. A friend, maybe you stick it in sometimes. Friends. with benefits. I'm okay with that. Life. partner, why the are you choosing this. one? >> God. Oh, she let her roll the. collections. Yeah, that's right. Okay,

great. She's. >> Yeah, that was champion hero. Hero of us. of all here of all of us. The [ __ ]. speaker of all women. >> No, I am not. I am not the speaker of. all women. Please girl this way. Boys. like you think that way. >> Yeah. So I I I did see the statements. coming in and I kept telling her and. telling her and like she just never like. >> she doesn't she's a strong independent. woman that can't be strong or. independent. >> Never said I was an independent woman. >> Yeah, that's as clear as day. It. wouldn't last a second. You did a year.

on debt. I did not do a year on debt. >> You literally said you were putting it. on debt sometimes. >> Like once or twice. Not like all the. time. >> Once or twice is living it on debt, dude. >> Oh my goodness. >> You couldn't live on your own. So this. in collections, there's no minimum. payment anymore. >> No, I have no access to it. I have no. idea what it is, where it is, nothing. >> That's up in the air. Oh, I'll give her. magically. That's her way of thinking. I'm sure.

he's going to come back and buy this. But. >> I don't know. Like I tried calling them. and I told them I needed access to the. PayPal account so I could make payments. and they never like they were like, "Okay, let me get you over to PayPal.". I'm like, "I will say this for what it's. worth. PayPal phone support is. absolutely horrendous. Me just trying to. log into my PayPal sometimes is it's no. PayPal is horrible." But. >> I tried. I promise I did try. >> Okay, this this is what I'm getting. This is what I'm getting. I'm getting. this from Colton. He's engaged to.

may we say a hot Colombian man like very. he he he puts Are you Colombian? >> No. >> No. >> You're kind of Colombian. >> What the? >> He he. >> Okay. You're kind of Canadian. >> Kind of from Michigan. >> Exactly. Yeah. I got poutine on the. breath, dude. >> Uh but like he he's like he's like you. but hotter. And um and they love. Shakira. >> Yes. >> But they would never pay that much. >> Stop lying. He would have gone. He would have gone.

>> Stop lying. >> And he met Shakira, so he doesn't have a. reason to go. >> Well, yeah, he's done. Apparently, he's. like best friends with Trisha Pis. I. didn't even know this. Like, this this. blows my [ __ ] mind. Like, every day I. learn new pieces of lore. That is crazy. Uh, but. uh, okay. Now, even they will go. >> Sorry. >> They're full like the nose Colombian. Damn.

>> Again, I had fun at the show, but. >> I don't. >> not knowing how much it was. But. >> see, and he was happy not knowing how. >> I was at the time. Not anymore. >> Ladies and gentlemen, you know him. You. love him from the Hammer Squad in. Hammer. We have You can come here. Uh a. uh the the native Colombian himself. >> Yes, he is. I need a Colombian score 0. to 10 from Mr. Puerto Rico. Oscar is not. Colombian. >> A Colombian score 0 to 10. You can ask a.

few questions then give him a score. Zero is no Colombian. 10 is full. Colombian. >> Full Colombian. What part of Colombia. are you from? >> Medí. >> Okay. He has an accent. One point. >> Uh, what's your favorite Colombian food? >> Uh, yeah. >> That's a lot of thinking. Minus one. point. >> What's your favorite part about. Colombia? >> My favorite part? Uh, the places, the. people. >> That's minus one point. Very patriotic. >> Now, the Colombian accent is known to be. one of the best Spanish accents. Can you.

give me a few Spanish words? >> Uh, I just know Chima. >> Minus one point. He's already at -2. points, Caleb. >> So, is he a zero out of 10? >> He's a negative two out of 10. One more. Soccer. It's a big part of Colombian. culture. Who's your favorite Colombian. player? >> Uh, Jame Rodriguez. >> He gets one more point, but he's at his. overall score 0 to 10. >> Negative one out of 10. >> Okay. If you want your Hammer Colombian. score, go to calebammer.com/colian.

>> Shouldn't Colton leave. >> like the score? >> Colton takes Colombian dick. He's not. Colombian. >> Okay, never mind. I don't want you to. score that. >> Okay, so I guess I can move on if we. don't have that. And we don't know what. it is right now. I'm sure it'll hit your. credit collections at some point. What's. Desert Financial Credit Union? Okay, we. have a credit card with Credit Union. This wasn't [ __ ] transferred. doesn't. look like uh purchase $43. Why are we. purchasing on a car that we cannot fully. pay off that is acrewing interest? Why. the possibly why?

>> I don't remember what we purchased on. it. >> It's yours. >> Yeah, it's mine. I can't remember. I. want I might want to say it was uh. the visit to the pediatric. >> What? >> Pediatrician. >> Uh a co-ay. >> perhaps. Oh, the $43. Why is the balance. so high? >> What is What's going on with this card? Well, that's one of the ones I. transferred over to the to the Discover. Oh, >> and there's still a balance. >> Yeah. Me. Hey, this lower balance now of.

$4,3301. Uh, that has a minimum payment of $114. How long does it take to pay off if we. do minimum minimum monthly payments only. without any purchases? >> Like 10 years, I want to say like 10 years. >> 11. Yeah. 11. 27y old. 28-year-old is what your kid. will be. >> Is that what you bought the robot on? >> Robots. >> Secret robots. >> Yeah. >> What? What are you buying? Robots.

>> It was a cleaning robot. >> Secret robots. >> Cleaning robot. >> Yeah, it's a cleaning robot. Yeah, >> they're not $7,000. >> It wasn't that brand. But wait, no, it. wasn't. It wasn't the full. >> That wasn't the full. >> Are you guys like known for being very. good at cleaning? when we when we get paid to do. >> I know what else sweeps and mops women. >> [ __ ] you. >> In fact, today is Thursday. There's a. few of you in my house right now getting.

to work. Um, >> it does help a lot because it's so. dusty. So, it does help like cleaning. >> So, I got it because knowing that the. baby was on the way and then we have. dogs. I don't want like, you know, all. over the place. >> Oh, Chipotle. Bad Mexicans. Bad. Mexicans, guys. This is bad. That's You. may as well have just gone to Taco Bell. What is this? >> Oh, Chipotle is good. >> Text me next to the core, though. >> It's good. It comes in. I mean,

>> it is good. It's just Oh, you've had a. late fee this year. >> Did you know that? >> Yeah. >> Do you know he's had a late fee on his. credit card that you want to combine? >> Nope. >> In a husband way, what's your thoughts. on him having a late fee? Uh, not going. to say anything because I probably have. some, too. >> No. What's your thoughts? >> That I have some, too, so I can't judge. him. >> You ever meet someone and think, "Wow, that person definitely moonlights as a. haunted corn maze actor." No, just me. Well, it's that time of the year again. when everyone is hiring for wild holiday.

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Recruiter find the right people for your. roles, holiday or not. Four out of five. employers who post get quality. candidates within the first day. And. right now, you can try it for free at. ziprecruiter.com/caleb. That is ziprecruiter.com/caleb. Ziprecruiter, the smartest way to hire. Listen, I'll let you guys use the Fizz. card individually. You can get that. It's a debit card that builds credit. So, you can do that. It only lets you. spend what's in your checking account. cuz you obviously overspend dramatically. every month, every day, every week, every way we do it. Oh, it was a $900,

$800 stupid cleaning robot. It's so. dumb. Listen, I'll get you a course. career certification as well so that you. can get into a new career field, make. some more money. A lot of people in the. audience have used it very successfully. and there's a massive discount obviously. link below. But um. >> this crazy $500 in interest, late fee, interested on Chipotle. And I guess I. mean you guys still buying things behind. your back like you bought the robot. behind her back and then you bought a TV. behind her back. >> Yeah. I mean,

>> why why is this like lying about the. concert tickets, doing the TV behind. your back, all this bull? >> But I mean, those are small purchases. compared to Shakura tickets. >> Sure, if we're doing compare and. contrast, but it is still substantial. money that you do not have. >> But like we get more use out of, you. know, like a robot that cleans like on a. daily basis versus, you know, going to. one time thing like. >> But it was an experience. >> Yeah. But $4,000. Yeah. We. >> I mean, I relatively agree. I hope in. the near future I get also a lot of uses. out of robots. Okay.

>> But yeah, you should get one too. >> Well, that's not the robot I was. thinking about. >> Gross. >> But either way, I can afford it. >> But again, it it does a really good job. It cleans. >> It cleans. It keeps the house like nice, you know, like. >> Oh, that's okay. You just can't afford. it. I want you to get it. I want you to. go to Sakira. I want you to do all this. stuff. You don't have an emergency fund. Now you guys are you guys are in this. situation cuz you never sacrificed while. you actually made money. You just lived. the I'm making money so I'm going to. blow it all.

>> So that's why we want to start like I. told him I want to like start coming up. with a real plan that we're going to get. out of debt. >> and I'm going to interrupt you. I get. that. But then when you guys talk about. budgeting you don't agree on anything. >> Well this is the I think this year we. have finally like kind of like. >> this year it's the 10th month. Okay. This couple past months we have. finally like started to like got more. serious about it and like. >> and what does that look like? Cuz when I.

hear when the first thing I heard. basically in this conversation is he. last month tried to sit down and budget. with you and it just didn't work. >> Okay. >> It was just a complete failure. >> Okay. I will say that I'm also having. like mommy brain and sometimes like I'm. >> okay. Mommy brain, girl brain, all the. brains except for any personal. responsibility apparently. >> I'm like running on fumes like zombie. mode. Like I sometimes don't even like. like one time I walk. >> That's a part of it. But you know, you. just have to sit down once a month to. just start this once a month to start. it. Once a month, a couple hours.

>> Okay, true. >> But get some babies. You're no longer. pregnant anymore. Just glug. Actually, a. little bit. Breastfeeding. Okay, never. mind. Uh go out and have a nice little. meal, but then bring your little things. and just like have some fun. Make it a. fun thing. >> I will allow you guys to spend money. If. we go to the baruding, if we go to the. bar, I I I would be more inclined to. drink, but I can watch sports. >> No, I need you to focus up. I want us to. have fun with whatever we're consuming, but you need to be focused in the. conversation. >> I am very good at like multitasking.

>> Really? Cuz you haven't been able to. task on one thing this conversation. >> Yes, I have. >> I Okay, but I I mean, I don't know. Okay. Platinum Plus. Who couldn't give the. statement for the thing that I could. pull a statement for? Good. Pull it up. on your phone. >> You can't pull a statement. >> I tried. >> Uhhuh. >> He's not techsavvy. Sorry. >> Were you guys born in the US? >> No, we are dreamers. >> Oh. Brought here as children. How old.

were you? >> I was nine. >> You? >> Oh, that was five. Five years old. >> Wow. Well done. And we're both from Mexico. City. >> A lot of people are going there these. days. >> So pretty. I wish we could go back one. day. >> Forcefully. >> Well, no. White people are white people. are moving there like crazy. People in. Mexico City are very upset at it. >> There's. >> I heard that they don't want them over. there. There's like a. >> Exactly. And.

>> look at that. Generating statements. >> There was no statement available. I had. to screenshot it. And then I I don't even think it let me. screenshot it. I had like 64. Is this. another balance transfer? >> Yeah. >> So, we've done double. >> Yeah. So, I put three cards into two. cards. It also helped with like trying to keep. it organized for the month instead of. instead of having three payments, just. having two.

I will say because I know immigration is. such a hot top the hot button topic. right now in a non-controversial way. because obviously every country chooses. or I guess you know wants to choose who. is coming in and out. You're the like. you're theing dude cuz we have a. declining birth rate. If people are. going to come here I want you. This. dude's coming here working 40, 50, 60. hours a week, grinding, adding a population increase. You know,

that's what I like. I like people who. areing coming in and then they're like, "Oh, I love America. I'm going to work. and, you know, contributing to the. overall culture." I love that. >> Good job. >> Thank you. >> You stop. You're so bad. >> No, you're okay. >> I promise I I've always had a job. I'm a. hard worker. We've always gotten fired. from a job. >> Just this past couple years cuz I had a. really hard losses. I promise. >> Are you guys protected right now? >> Yeah. >> Current.

we have a system. >> We have a a work permit that we have to. renew every two years. >> As long as we don't get like any. felonies or tax evasions, anything like. that, then. >> I'll pay my tax. >> I'll pay my taxes. >> We pay taxes every year. Be careful. We'll be good. >> Be careful. Yeah. These balance. transfers. What's the minimum payment on. this thing? >> Do you even know? 42. >> Oh my gosh. It's never going to be paid. off. And you're just taking those 5%. fees forever. Why? Why? Why will it be? Because that's you're you're a transfer. You're not a payer. Why can you sit here.

and tell me. >> again? It was just to make room for the. for. >> I understand why, but why are you how. are you able to tell me that it will be. paid off when all you ever do is. transfer, not actually make progress? be. because. I mean I. >> I mean thank you for fueling our economy. by coming to the country and then. spending money you don't have in. consumer debt. You're keeping people. alive and paying the bills. >> Well, I feel like if if if once she goes. back to working and you know eventually.

we can sit down and make a budget, we'll. start paying them off. >> No, no, no, no, no. Should we not sit. down and make a budget when things are. harder more than anything? >> No. Yeah, for sure. I'm saying like I I. still don't think she's going to be, you. know, like I don't I think we're going. to have a a struggle like getting on the. same page financially just cuz of how. she wants to work it and how. >> you have an accent if you've been here. since 5. Weren't you raised? >> No, like what wasn't most of the. language development skills done? >> Spanish on a daily.

>> Yeah, you speak Spanish but an accent. You were your language skills were. raised in the United States. >> I mean I don't know. That's just how it. is. I mean, >> I'm vibing with him. >> I mean, in my house, like we still. >> You don't know. He has an accent. >> I don't hear it. No, >> he has an accent, right? >> Yeah, he has an accent. It's not like. crazy. A little. >> Yeah, >> a little. But also, you I mean, you you. came later. at 9. >> Yeah. >> I mean, so you had some of your language. skills developed in Mexico. >> Mhm. >> This is interesting. It's not a bad.

thing. This is very interesting cuz five. and nine are different, but like, you. know, that's where a lot of the language. skills, primary education started around. five. It's just like, huh? >> We speak mostly Spanish. So, >> yeah, we're trying to teach our our. daughter Spanish first cuz she she's. she's going to learn English anyways. through like school, you know. >> Mhm. Mhm. Okay. PayPal credit yours. >> Yeah. >> Yeah. >> Okay. Yeah. Interesting $82.14. No purchases. Thank [ __ ].

>> Yeah. $122 minimum payment, $4,41.38. 30.38% interest. This is brutal, dude. This is. >> Yes, it is. >> Some is interest free, but but it's. acrewing deferred interest and that's. going to be ton of money and that is. already passed. >> Wait, is it? >> No, wait one second. One second. No, it's not. In a couple months it will. though. Couple months. >> What's the remaining balance on that? >> Uh almost 700 bucks. >> Oh, that's not bad.

>> Okay. Well, you guys are spending more. money than you have. >> Oh, but maybe we can pay it off fast. And this is the Miami trip I Right. >> Yeah. So it was it was split in in two. >> Oh, you owe your mom for the trip, too. 1,400 bucks. >> I guess it was split in three. >> Oh, what are we doing? >> What are we doing? >> I will say. >> it was. I we were kind of forced to go. I mean, I wanted to go, but we were kind of. forced to take a longer vacation cuz I. was just going to like our intentions.

were just to go see the game, come back. kind of thing. like a three-day thing, >> but then. >> that's great. Why does the future of. your household not supersede seeing aing. game? >> I don't get it. Like, I want you to have. fun. I want to go have fun. It doesn't. supersede my entire life, though. >> Well, I was working then and we did kind. of have some money set aside, but then. his mom decided that she wanted to make. it a family trip. So it turned into like. everyone going. So we had to take our.

kids and we made it a week long trip. >> Yeah. We we were just planning on doing. the weekend but then you know she. >> we did have the money for that but. because they turned it into a family. >> How much money you had to borrow for. this. You couldn't afford it regardless. no matter what. In the end you could. not. >> But we did have fun though. And. >> and this is this is what's troubling. You guys can't agree on how to budget. and you both are totally okay with this. You're totally okay with this. So, how. does that mean when you leave, you're. not just going to all the same way? >> Look at this. You're totally okay with. this. >> cuz now we don't have the second income.

So, now we I mean we can't Before we had. the income to where we. >> bought a $800 costume for Deadpool. versus Wolverine on this $800. >> Yeah. >> Yeah. >> What the are you? >> And he didn't wear it for Halloween last. year. I told him to. >> What is wrong with you? >> And this year he should wear it. >> It's something I wanted to do with my. brother is like. >> $800. Yeah, but it was like, you know, like it. was something that we're both fans of. like the movie and so yes, >> you know, he wanted to dress up so I was. like, I'll do it too. You know, like.

>> he was Wolverine. >> $800. >> and he looked really good in it. >> But it was a nice suit. >> Like a nice costume. >> Sure. This is. >> Yeah. But I mean, we had fun and we took. a lot of pictures with strangers and. >> we just had a good time. >> That's worth $100. >> I mean, we were thinking of charging, but. >> we didn't. Okay. Yeah. Good luck. >> Everyone was asking. >> Okay. Who has Desert Financial again? Who has another Desert Financial credit. card? >> Mine. >> Okay. Almost all the debts yours so far,

by the way, except for the PayPal that. she never paid. >> Put mine on top. That's all it is. >> But I usually put the crazy ones on top. >> Oh, >> we do pay both of them. We did charge on. most of them. >> We did charge on most of them. Both of. us. >> Okay. The balance went up. It went from. 2714 to 386. >> It did. >> It did. But the minimum payment of $86. He purchased $430.71. or while interest crude of $45.3. >> 400. DP or uh DA Prim.

Yogi Grill Raising Canes. and then pediatric but that's okay. I. wouldn't put it on a credit card but. Home Depot be careful pulling up. >> I know. >> he can be there hours just walking. around where I'm like okay what do you. need? IO 19. Let's go. What do you need? IO 11. Let's go. And he he hates going. to Home Depot with me. >> It's cuz Okay, so I like to do things. around the house. >> Boring. >> Cafes, dupus. And then voodoo.com.

fandango. >> Oh yeah. >> Hours and interest is here. Is this. [ __ ]. >> Those are movies that we can make. We. can make a home movie night instead of. going to the movies. >> So we you don't have money. >> We save money. >> You don't have money. YouTube is free. They don't have. >> Who is Discover it? >> That's mine. >> Okay. You purchase 61 bucks on a card. you can't pay off. That interest is. acrewing. Takes seven years to pay off. if you don't purchase. Why the [ __ ]. >> How much is she purchased? >> 61 37. That's not too bad.

>> It doesn't. What? It doesn't difference. The deal takes seven years. So, she's. not purchasing. So, this is going to. take in forever now in infinity. >> Does it show what I purchased? >> Yes. I was hoping you might have a. little insight first. >> No. >> Great. Cuz uh guys, I don't think you're. going to live. I don't think you're. going to make it because you're taking. this all as a joke. >> Well, it's just been a a stressful few. past months. I mean, with the baby and. everything, her not working. And so, it's like, you know, it's like if we. have to put things on the credit card, then like what else can we do? Future.

>> Oh, it was Amazon and Culver's. >> Oh. >> Oh, >> so die. Like, this is bull. It's all you. bull. >> But the Amazon could have been for a. baby. >> Okay. Pull up your Amazon. >> Um, and the pull up your Amazon. the. coververse. I think it was because I was. driving by and I didn't have my wallet. on me, so I just tapped it. >> You can't afford it regardless if it was. on credit. You dumped it. You have debt. You have $130,000. of bad debt. $130,000 of bad debt. I. don't give a [ __ ].

>> Now I have a Wells Fargo cash visa. Whose is this? >> Oh, that one's mine. >> And back to mostly you. Why are you the one? So, >> cuz she seems like she is like mentally, but you're, you know, >> see, I try not to have a lot of credit. cards. I. >> Why are you the one in the finances with. the worst finances? >> Because banks love me. I don't know. >> They really do. You make them a [ __ ] ton. of money. But why are you I'm saying for. the household, the one running the.

finances if you're the one that is. objectively so far the worst, including. both so far. >> I don't know. I I I feel like I I I. look at the numbers so I think I'm I'm. okay to you know. >> Why do you think it up? Why Why is he. the one in control of finances? Why? >> Because he doesn't want to do it my way. >> He doesn't want to do it my way. >> So you when you guys sat down and. discussed who's doing finances, essentially you just gave it to him. because he didn't want to do it your. way.

>> No, it was mostly like I relinquish. control over time and he just took over. basically. >> Okay. Well, it's a $41 minimum monthly. payment. 17 years to pay off, $161 of. purchases. Um, this this one is pediatric. Again, I. would rather be on debit, but even still. promotional balance until. now, not that many months from now, like. five. So, that'll start acrewing interest. There's no deferred interest, but it is. chunky. Okay. Who's the Bank of America?

>> Wait, what was that? >> On. >> that was Wells Fargo. Yeah. On the Wells. Fargo, the balance was to like help out. my sister. >> Oh, the overall balance. >> for the bankruptcy. >> For the bankruptcy. You guys are headed. to bankruptcy. >> Why did you have to help her for it? >> Well, I mean, you you know, I went with. her to like go see to like a. >> She doesn't She doesn't care how much. she spends. If you think I'm bad, she's. worse. She doesn't care how much she. spends. She's always like doing a bunch. of things. She doesn't even do things.

like for the kids. So, and she like. takes out cars that she can't even. afford. So, why are you helping her with. the bankruptcy? >> Because she's my sister and I mean, >> okay, but I'm not giving my sister. >> she had like a a a lawsuit on her hand. So, it's like my sister had. bail her out, you know, like I had that. car, >> but she has a husband and she lives. rentree with your parents. >> Yeah, but. >> what? >> Yes. >> Yeah, but like I. >> And yet you put thousands on a credit. card. >> Why? Well, because I.

>> I'm okay with helping. I just wanted to. help her out and like. >> Yeah, but we help them in other ways. >> Yeah, but I think this wasn't helping. I. think this was enabling. >> Yeah, she does. She has no. responsibility of finances whatsoever. If I'm bad, she's like 10 times worse. >> Oh, wait. You didn't even give her. money. You just gave the card to her to. your sister and she just ran it out. >> That's crazy. >> That's [ __ ] wild. >> I mean, I like to help my family. >> Yeah, but you're enabling her spending. >> Your mom has bailed her out so many. times. So many. She built her out. $10,000.

and she went and racked up everything. again. >> I don't know. It's just when a sibling. comes, you know, asking for help, >> of course, but she hasn't changed her. behavior. She's been bailed out a. thousand times. It sounds like. >> and she doesn't pay rent. She doesn't. have like big expenses other than her. car. And she has a husband. >> I mean, she did say she was going to pay. me back when she got her like tax money. >> And how many times has she told that to. her parents that have been bailed out? >> Yeah. I don't know. >> I mean, that's the thing. >> At least twice. Sometimes someone. actually help actually helping someone.

is them learning for the first time. ever. How old is this? >> Like you're going to help her? You can. even buy me a ring. >> Okay. Well, I don't think he wants to. marry you. >> I do want to marry her, but I'm. >> kidding. That's down the line. Has to. be. >> I'm kidding. >> How old is she? >> She's older than her than him. >> She needs to learn the skills herself or. she's never going to make it ever. When. her parents pass away, she's never going. to make. Who is the Bank of America? >> That one's probably mine.

>> Okay. >> Well, minimum monthly payment $46. Balance $1,5001. 7 years to pay this. off. >> Interest is acrewing. Well, interest is. acrewing. So, you've had a late fee this. year. >> Yeah. >> There it is. >> Mommy brain. >> No. Come on. >> Yes. I literally. >> Every mother has late fees. >> I'm not saying that. >> Shut the up. That is not Shut up. >> I'm saying I have foggy brain. >> That's okay. Set up minimum minimum. monthly payments. automatic payments. I. can't because. exactly because you don't budge it cuz.

it's all down the line. When you don't. do the primary normal main easy thing, relatively easy, all of a sudden nothing. works down the line. That's just how. this that's how it goes. >> Okay. >> Sephora. Who's Sephora? >> Mine. >> I bought my daughter um Kendrick and. Sisa tickets. >> on Sephora. >> for her birthday/ch Christmas gift. Dude. Okay, so she's going to be okay. with not getting anything for Christmas. >> Well, this was last past Christmas.

>> Oh my going to die. >> I was not okay with that. >> Especially after having like coming from. a big purchase that we did on her as. well. >> What big purchase? >> Her kinera. >> Oh yeah. >> Like I was not okay. >> Oh, how much was her kiniera? >> My car was about 5 to 6,000. >> So, thousand,000? >> Yes. What? [Music]. What are we doing?

>> But it should look really pretty. >> No, they never do. >> Excuse you. >> Oh, it's always over the top. Too this. is it's too much. It's too much. It's. too goddy. It's No, >> you're too much. >> Yes, but I embrace it. >> But it's like Mexican culture. >> Yeah. And I'm so glad I'm not having a. Mexican child cuz that sounds expensive. when you hit 16. You're not a woman. Huh? >> You're not a woman. >> Does the woman have to pay for it? >> No. You only girls do it, not guys.

>> Yeah. >> Yeah. But if I have a Mexican woman. child that'll be in a kiniera at 16. >> 15. >> 15. >> Yeah. >> Well, you got fees and interest on here. You've had two late three four late fees. this year. She's had four years. >> I'm sorry. >> You're sorry. No, you're not. When. people are sorry, they don't do it. anymore. You dick. >> She keeps me in the dark for a lot of. these. Now, apparently for everything. You guys keep each other in the dark for. everything. This is so stupid. >> I kept on forgetting the due date.

I kept on forgetting the dates. >> There was four times this year. >> I know. >> Set a reminder. You I would forget too. if I was trying to remember the date. every single month. Set a reminder. You. >> I did. >> Desert Financial again. Are you back? >> Do you have three cards with them? >> Yeah, I do have three. >> Oh, for sake. Okay. Desert Financial. What's going on again? Then that one. I don't know what's the balance on it. >> It's much smaller at $264.77. >> Oh, I had to put uh my vehicle.

registration on there cuz I had new. money. >> See, dude, this is what happens. You. guys made money. And you do still make. money, but you live so much fun that. once a need pops up, you have to put it. on a credit card cuz you're. undisiplined. You're irresponsible and. you guys are not adults. >> It's a joke. >> But I was interesting. on having the money than you did and. you're doing secure. Shut the [ __ ] up. I. don't want to hear it. Can you late fees. this year so far? This is so stupid. >> There's a late fee. >> Yes.

Yes, there is. Who is the US bank? >> That's our joint account. >> A joint debt? >> No. Checking. >> debit. >> Okay. Well, there's a mount due. Oh, mortgage. >> Mortgage. Yeah. Yeah, we have the. mortgage there. >> What the? Your mortgage is 3,627. That's. expensive. >> No, it's $1850. >> It's 18. We don't usually pay it on the. first. So it they send us a statement. >> You had passed due. >> Yeah, but it's due. But it's not past. due. >> But it was and you owe double the That. is What are you doing, guys? Dude, this.

is what happens when you budget weekly, though. It just gets so close. >> We're not budgeting weekly. He's. budgeting monthly. >> He's not budgeting $1,813.91. >> Minimum monthly payment. Sorry, that is the minimum. $1,813.91. >> And you're on the joint mortgage. >> Yes. >> 4.3 rate. We like that.

>> What? What is the balance? >> We got it at a good time, but. >> Oh, here we go. >> I just don't like the house. >> Oh, good. $260, $6318. Why don't you like the house? >> Cuz it doesn't have a pool. Go to a community pool, dick, >> a home equity loan, >> and a Toyota 4Erunner. >> Yes. >> Those are all joints as well.

>> Oh, why did we get a home equity loan. >> to consolidate. >> 80% and then you didn't consolidate? You. racked it up and then you transferred. them again. You never pay off debt. You. just consolidate transfer. You guys. cannot do another one of these tools, including bankruptcy, until you change. your [ __ ] behavior. You can't do any. of these shortcuts until you change your. behavior cuz you'll just end up with. more debt. It happens every episode and. you guys are just continuing that trend. >> So, no bankruptcy, you said. >> No, not until you change your behavior.

cuz then you'll end up in the same. amount of debt again and be doubleed. >> Okay. >> You owe 52, no $281. Do you mean to have. any equity anymore? >> Yes. >> Uh, >> barely probably. >> I don't know cuz we also I don't know. cuz we also have uh uh uh solar panels. >> Oh yeah. >> I don't even think we have that. We. don't have that. What the is wrong with.

you guys? Minimum to payment 378.40. What's your solar panel? Uh. the total debt. I would have to look. I. don't even like the house. We're getting. solar. So, I have a question for you. Do. you know by any chance if the solar. panel company is going in bankruptcy? >> Huh? >> The solar panel company is going. bankruptcy. >> Yeah, >> that's fing bankruptcy. >> It's not a school. You're not going to. get it forgiven. >> I was just going to ask like what do we. do then? >> First of all, bankruptcy is a lot of. things. They might just be restructuring. debt. They might not be going out of. business. You don't you don't know.

>> Yeah, they're getting bought. >> Well, there you go. You're still going. to owe it. >> Current balance for it is 33,000. Minimum monthly payment. >> 168 a month. >> What's your interest? >> Uh it's like 1% 1 2% something like. that. 1.99. >> 4ERunner. Whose is it? >> Family car. >> Well, originally it was going to be kind. of like my car cuz I I have my little my. little beater that I take to work, you.

know, >> and she had her her own. >> You need this. shatter vehicle and it's. and I want I wanted a 4Runner. >> So once we did the the consolidate, >> you did a consolidation then you got a. 4Runner. You guys are aing mess. You're. the you're you're the collection of. everything bad with consumerism. $37,87.96. at an interest rate of 7%. Not even. good. Minimum monthly payment 674. Working 60 hours a week in order to. afford a 4Runner. Well done. That's. where you are. What do you think it's. worth? What do you think it's worth?

>> Like 44. 4D. >> 40. >> So at least you have an equity position, but for sake then it paid off Jedha. that's worth 1,700. >> Yeah, that's my little beater. >> That's the one. >> Sell the 4Runner tomorrow. I'm not even. kidding. Sell it cuz you might actually. make money. Break even for all I care. Get out of that minimum payment drive. beat. Beat her. Beat her. But. >> that's I don't give a what what what. what? >> Well, my beater is not going to last me. very long. It is at 200. And then when.

we do that, we get a $10,000 car. I. don't care. Get rid of the 4Runner. You're in a blessed position. Rare on. this show where you have an equity. position. Get out of it tomorrow. It's. not It's not a question. >> Are you getting out of it tomorrow? Are. you getting out of it tomorrow? >> Dude, let me answer. I'm thinking of. getting a Tacoma. >> Huh? >> I'm thinking of getting a Tacoma. >> No, no, no, no, no. Nope. You're not. getting anything. You're driving the. beater until it's dead. >> I think I deserve a. >> I need to make sure you agree with me. >> Make him agree. This is what you are doing or else there.

is no path here that I'm willing to. accept cuz this is a basic sacrifice and. I need to see you're making sacrifices. or I'm ending this thing now. >> Is it negotiable? No. >> Can I make you sell driving the beater. until you until it's done and the. repairs would be stupid. >> Wait, wait, wait. But we do need a. family car. So get another like beater, right? You said. >> why? Don't you have something a beater? >> No. >> No. >> Okay. Okay then. Yes. A$10,000 car. >> Okay. 10,000. >> Where are we going to get 10,000 from? >> When you shop to used, used used. It's. not going to be great. It's going to be.

years old, but you get a you take a look. at it every whatsoever and get an. independent mechanic to look at it as. well. Make sure it's safe and it's not. going to take cause it's going to be a. 2-year car, guys. We're not looking for. a generational car. This is a twoyear. car you're getting for $10,000 and then. you upgrade once we're out of debt. Do. you agree to this or no? >> Well, what if I. >> agree to it or no? >> But our daughter needs a car, too. >> Nope. No, she doesn't. She can get her. own car. She can work and get her own. car. Do you agree to it or no? >> Agree to it or no?

>> Can I get a second job? >> Agree. No. You already work 60 hours a. week. Okay, >> then that's it. I'm ending this. This is. no conversation to be had. I'm ending. the episode. If you're not willing to. take literally the most basic sacrifice. in the one thing you have, there's. nothing here. And you guys are and I'm. sad to see that. That is sad. And that's. and then that's not me wanting to end. this cuz I'm outraged or anything. If. they're not willing to take a single. basic step, I'm done. >> We have to. >> you hammer financial score off. Come. join us in the post show. I have to do.

an extra 20 minutes. I get to do I'm. blessed to do an extra 20 minutes and. hammer the best membership on YouTube. and three premium shows posted every. single day. Monday through Friday. Shut. the [ __ ] up. I'm doing my spiel. >> Good death. What is wrong with you, woman? Join Hammerly. I'll see you in. the post show. You were just spending. money behind his back that he didn't. even know. you were blowing money that. he didn't even know was happening. >> I got, you know, like a a statement in. the mail saying, you know, like you got. a loan for, you know, x amount of money. and I I I asked her. >> the secret loan behind your back.

>> Yes. >> How can you say you've been getting. better over the past 4 years and then. take out a loan behind his back? >> No, like seriously, I it is a big eye. opener. >> Yeah. I don't want it. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.