They F*cking Hate Each Other | Financial Audit

Hey, you know how I got this [ __ ]. fat, Caleb? Every time I [ __ ] your mom, she makes me a sandwich. So, if we want. to keep going with the fat jokes, we can. go there. >> I think the bottom line is we wouldn't. be in so much trouble if she hadn't. taken out a bunch of credit cards. >> Well, at least I have a high school. degree. >> If he was married to you, he would smoke. nicotine, too. She willing pick a fight. with a brick wall. We were in. Waterburger the other day. Some lady. came in and bitched about her food and. she was like, "Shut the up. It's not. that big of a deal." And it's like, dude, this is why I had to start. carrying a gun in the car was because. you start [ __ ] with everybody on the.

road and then they get out of the car. and want to come fight me because of. your mouth. You're going to get us. killed. So, yes, I [ __ ] go smoke. nicotine because I have to deal with. you. >> That sounds like a you problem. >> Godamn it, dude. >> That sounds like a you problem, not a me. problem, dude. Having to put up with all. this [ __ ] is killing me. So yeah, I. smoke a little bit of nicotine because. if I don't, I'm gonnaing jump off a. building from having to deal with all. the [ __ ] that you start. >> You came for the finances. What if you. could have more? Join Hammer Elite this.

month for free and discover [music] what. the number one membership on the. platform has to offer. >> Helicopter. >> See description for more details. >> Hi, I'm Benjamin. I'm 31. >> And I'm Zena. I'm 30. We're based out of. Nevada, Texas, [music]. >> and this is Financial Audit. >> Yes, it is. Thanks for coming. I have no. idea where the that is, but that's okay. I do know it's a small town based on. what you told me before we started. filming. So, very curious to hear what. we do for work in Nevada, Texas. What do.

you do for work in Nevada, Benjamin? >> Uh, so I just recently got a job working. for a gun supplier in the. >> They make guns in Nevada. Uh little I. actually commute out a little bit to. Grapevine which is about an hour away. but. >> another place that also no one knows. your hours your commute's an hour. >> Yeah. So we live basically. >> Why don't you live where industry is? >> Okay. Well look dude like it's not. thating easy to find a job in DFW that. isn't like horse slop right now. And so.

like you really have to dig. >> it's literally one of the best job. markets in the entire country. That. metro. >> Well metrics say that. Employers say. that. Employees say that. All the data. says that. You don't say that. >> Well, I mean, but the the reality of it. is is that places are always hiring, right? But I submitted over 75 job. applications. >> You're not qualified to anything to save. your life. Well, actually, yeah. You're. very close to DFW. >> I was going to say, so we're talking. about you're just the lake. >> Yeah, but it's like. >> So, what are you doing? >> So, it's like an hour. So, it's like an.

hour to go through traffic and [ __ ]. It's not actually a f. >> You chose to live where you live, so I. don't really care. I mean, you're. literally you're closer to Dallas than. Dallas Carding Complex is. >> Well, we used to live in Fort Worth. >> Yeah, we used to live in Fort Worth, >> but we moved. >> We moved back. >> Okay, very good. So, you make guns? >> Uh, sort of. I sell like the accessories. to make guns. >> Ooh, exciting. What do you make? >> Uh, AR-15 parts. >> No income. >> Oh, uh, like $20 an hour. I just.

started. Like literally my first day is. Monday. >> Well, that's okay. Well, I I don't know. why that equals just just $20 an hour. Like, you can start a job making good. money. >> Yeah, I guess I just started off at 20. My job that I was laid off from, I was. making about 23. So, what was that job? >> Um, I worked security for an amusement. park that I'm not allowed to say. >> What kid did you touch? >> Uh, no, not kids. Uh, this is an adult. theme park for adults. >> Adult? What? There's titties? >> Uh, sometimes. Sometimes. Yeah,

sometimes there's titties. >> Are the rides like going up your ass is. like oral? Put it this way. It's like. the closest thing to doing acid without. actually doing acid. It's like a. psychedelic art experience. So people. would come in. >> That's what we're talking about. Why'd. you get laid off? >> Uh because the company's [ __ ] to be. 100%. >> That's what everyone says who gets laid. off. >> Like Okay, so they started as an artist. >> The disgruntled former employee. Here he. is, ladies and gentlemen. >> Listen, every time. >> they got bought out by Disney. And when. they got out bought out by. >> Disney bought a titty park. Well, it's.

not I can't I legitimately like can't. say exactly what it is, but they have. investments and because like I signed an. NDA, which is good. >> Essentially, I can like come up to the. line and tell you. So, when they bought. >> No, I want you to respect the NDA. I. >> I sue the out of people that break NDA. So, I hope Disney does, too. We all. should. >> I I mean, they're there for a reason. I. I don't like I don't want to hear the. sign. >> You chose to sign. I don't get. >> right. I had to pretty much. Anyway, to. get a severance maybe. Yes. So,

>> well, there you go. So, you chose that. It was an agreed agreement between two. people. I don't want to hear it, >> right? But anyway, the end of the end of. the thing was is they when they bought. us out, they laid off 400 employees from. all of the exhibits and a majority of. those took a majority of those that took. a hit were security professionals. because they're switching to an AI. platform. >> Um, yeah. >> Security for stopping people. >> Yes. So they have so they have like. three so they have like three actual. security guards but then everything else. is done through you know. >> uh. >> don't but camera work so it.

>> probably [clears throat] makes sense to. an extent. I mean. >> I mean I just. >> as long as like the camera is catching. things the security can respond in. person and you would need less security. Kind of makes sense. I mean I don't I. don't root for layoffs. It's not very. fun. It's not great. It affects people. You weren't making that much more. >> No. >> I mean no offense. That's not like the. career trajectory of a big breadwinning. opportunity. >> No. And that's why I also was. >> But now you're making less. What are you. What's Do you have a degree?

>> Oh, no. No. Absolutely not. >> Why that reaction? >> Um I think college is a wasted. >> Sure. You're making $20 an hour 31, >> right? But you know, >> I mean, I agree college can be done very. incorrectly. >> I just wasn't. But I don't think you're. the example of the person to say that 20. is not necessarily bad, but in DFW it's. not great. >> Well, in DFW it's not great. And the. only reason I took the pay cut to take. this job is because it has a really like. >> You didn't take the pay cut to take the. job. You got laid off for your last job.

>> Well, right. But either way, I mean, I. think the bottom line is uh I know that. this company has a good culture and has. an opportunity for growth. So that's why. I'm cool with going there. It's a. >> Yeah. Yeah. Yeah. Sure. Sure. Sure. Sure. So, what's going to hit? Oh, she's. she was rolling her eyes. I didn't see. it, but they caught it. What did you. roll your eyes at, lady? Yeah, I haven't. talked to you yet, Zena. >> Oh, what's going on? >> He was He doesn't have like no degree. I. like tried to push him to go to school. and like get something, but he can never. figure out what the hell he wants to do.

>> Well, see, that's the thing that matters. cuz going to college without knowing. what you want to do. Sure, you could do. like two years at a community college, that's fine. But getting a certification. if you don't know what you want, I I can. get you a course career certification. You look you look like you were born. into it. I can get you an IT. certification through course grace. A. lot of them out there have done it and. made a lot of money. So I mean I I'll. get that for you. But yeah, I mean. college. still college degrees on average do earn. double the lifetime value. Those with. college degrees now people [ __ ]. college. They go to college spend way.

too much get they [ __ ] around. They 40%. drop out and the median that goes to. college gets $40,000 of student loans. And again, 40% of those drop out and. people get [ __ ] degrees and there's. stupid ways to go to college and. expensive colleges that you don't need. to go to and you think you're doing it. for connections and it doesn't really. work out. Don't get me wrong, I'll talk. the anti-ol game, but if we're being. objective about it, no, not college in. general is just [ __ ] Like, that's. not how that works. College can be very. good if you do it properly. >> I mean, look at you right now. You can't.

find a job and you just settled for $20. an hour in DFW. >> Yep. Well, I mean. >> I mean I'm pretty sure like McDonald's. worker at least in a m in Austin. McDonald's starts at 16 17 an hour they. can't hire people. So you're not. >> Yeah, [laughter]. >> like doing incredibly well at 31. So to. just [ __ ] on college, you're not the. example and shining light to do that. >> I think he just kind of took a job. whatever get like came to him because. he's been unemployed. >> Yeah, cuz all the credit. >> How long have you been unemployed? >> Well, he's been out of work since April.

Well, Colton's saying that she's kind of. upset with you because she's been. carrying your dead weight. >> Yeah. >> Through the unemployment. >> Mhm. >> Yeah. Uh. >> I think that's the issue. >> Yep. >> Yeah. I mean, >> well, Zena, tell me about it. >> Well, I've been the bread winner since. we got together. >> Well, we know you like bread, that's for. sure. >> Yeah, I do. But. >> what was the point of that there? There. was no there was no need for me to say. Why Why did I even Why did I immediately. go for the fat joke? >> I mean, you look like you like bread, too. though. >> Girl, you could eat 10 of me before we.

get to that. >> You know what? I could. I really like. Texas Roadhouse rules, >> dude. Yeah. Who doesn't? No, we'll goon. to that. >> We willing. I will go to that. God damn it. >> Go. >> Zena and I Zena and I are going to go. have a party at Texas Roadhouse and. you're not invited, [ __ ]. >> I mean, you get out of here. >> We're going the fatties are talking. Go. lay down. >> Don't you have a dragon to chase or. something? than you and Sam Wise Gamji, the rest of the other hobbits. You know,

I'm just wondering, is that a hairy foot. joke? >> No, it's cuz you're short. >> Well, how tall are you? >> 6'4. >> I guess I am shorter than you. I am the. median average height for an American. male, but. >> So, you're cool with being average? >> Yeah. Well, in terms of height, sure. >> Okay, >> I'm cool with that. We don't need a dick. measuring contest. You're basically. dying in poverty and can't make more. than $20 an hour. >> That's fair. Oh, it's like those memes. the liar. And you're only one year older than me.

Trust me, I'm not worried. >> You know, I mean, you got to look up. when you talk to me, so I may be. balding, but that's okay. >> Not while we're sitting, >> but it does help. It does help when we. stand that I can't see the top of your. head is receding. >> See, exactly. That's that's part of it, right? >> Yeah. That's your only defense is. >> Yeah. >> Like, [clears throat] look, dude, I. think the bottom line is we wouldn't be. in so much trouble if she hadn't taken. out a bunch of credit cards. >> Oh, that's now that's a deflection. >> Yeah. Well, you know, I wouldn't have to. take out so many credit cards if you. actually like worked. >> I mean, I did work. >> No, you didn't. >> You could have got a job.

>> You could have done something like. part-time. >> I mean, I could I mean, I guess, but at. the same time, you know, >> he throws it on He throws it on you. >> He throws everything on me. >> Of course. >> I It's always my fault for everything. >> So, Zena, what the is actually going on? He's throwing that you're taking out all. the credit cards. Please tell me what's. going on. >> Well, we were like, I I don't make as. much money as like I would like to. So, like we were surviving. We lived in an apartment together. You. know, we were paying like $1,800 a. month. And so, like my income only.

covered like a good portion of our. bills. So, we were struggling. So, I had. to take out all these credit cards to. help pay for things like gas, groceries, >> which which okay, we'll see because I. have a good feeling a lot of it went to. [ __ ] But cuz that always continues, you know, that always continues even. after laid off in our culture and our in. our incredibly consumerism culture. But. the thing is, why the weren't you going. out and working and bringing home some. bread? Why weren't you?

>> Because listen, >> let's just take her word for a second. And you guys only lived off the minimum. necessities and you had to put it on. credit cards and open them, max them out. just because you were just What was he. doing all day? >> Nothing. Literally nothing. >> Oh, he had to do something. >> No, he would stay up all night during. the day and I would. >> gaming. There we go. So, he's doing. something. So, he's being a [ __ ] he's. he's being a little incel. >> Mhm. A little gooner. >> Yeah. Well, no. Let's not give that. glory. >> That word. >> doesn't matter. It's not applicable to.

you. You're not fun like the rest of us. You're a degenerate who stays up all. night and plays video games instead of. actually trying to provide for the. household that he lives in. You don't. get the title of Goonar. You're a loser. >> So, uh [laughter]. I think that we should probably also. mention that I had to be on put on FMA. leave because I had disease. >> for I uh. >> basically started having some health. issues. >> It doesn't matter. You got laid off and. you didn't go get another job though. Well, this is actually I mean that's.

what I'm talking about. Exactly. And. we're talking about what recently. happened when she had to put everything. on credit cards cuz FML leave you still. get the money. No, you don't. You didn't. get anything. No, you don't. And so even. when he got laid off, your company. didn't offer anything. So like. essentially what happened was the reason. she had to take out the credit cards in. her defense and this is the one time. that I will defend her is because I. >> But the one time you hear that you. literally will never defend me. >> Well, I mean like so I got Crohn's. disease. cuz I got diagnosed with. Crohn's disease. It put me out of work. I had to be hospitalized for a period of.

time. >> Okay. How is it today? >> Uh not great, but I just there's. >> Can you work. >> now? Yes. I've. >> Okay. If you can work, then work and. we're not chromeing it up. >> And I mean like it that doesn't matter. An excuse is a excuse, but the bottom. line was. >> Well, I mean, it happened. It's sorry. And I can have sympathy for it. I agree. But that's not where we are today. And. again, that didn't affect the layoff and. what you're doing during the layoff. You. were gaming all night. Well, I think. what ended up happening was is the. reason I got laid off is because I got. put on FMLA leave, which of course is. illegal, but I can't, you know, fight.

that. But when I came back from my. leave, essentially they're like, "Oh, hey, like we don't have a position for. you anymore.". >> Yeah. I mean, they light off a [ __ ] ton. of people. >> Yeah, cuz you were gone for 4 months. >> Yeah, but I mean months. >> Four months from April. >> Is that what it qualified for? >> Yeah. Yeah, that's what they That's what. it qualified for. I uh stayed up and. played video games and [ __ ] all night. >> How long were you off? cuz it's 12 weeks. unpaid that you're able to take off. >> Yeah. So, I was off from. >> It's a bummer they didn't offer anything. outside of that. >> No, they didn't offer anything outside. of that. But, uh, essentially I was off. from like April to September. So, pretty.

or August. Yeah. >> You did more than the 12 weeks. >> Yeah. I mean, they gave me a little bit. of that. Well, because it was considered. a debilitating illness and it still. technically like I could take disability. for it, but I think that like that's. garbage cuz I can still stand up and. like go to work and do [ __ ] And so to. take disability from somebody that. actually [ __ ] needs it. But then why. didn't you? >> Because it. >> cuz you didn't apply for it. >> I didn't apply for it. I. >> Well, there you go. So why the are you. putting it all on her? >> Like obviously she has like the.

experience to go out and get better jobs. than I do. >> She's just a loser. What the is this. >> sometimes? [snorts]. >> I mean Yeah. >> And what do you do, Zena, for a living. with all your degrees? >> Um collector. >> I am a scheduler for two oral surgeon. practices. >> with all our degrees. We're a scheduler. >> I don't have that many degrees. You made it sound like you're a. collector of What are you talking about? >> I have a certification. >> Hell no. You've got like [ __ ] dude. You. went to school like three different. times. >> I went to school twice. First of all, I. went to school. >> One was a beauty degree. So, we'll just. like throw that one out cuz that was.

aing waste. You didn't even go get. licensed afterwards. So, don't start. that [ __ ] with me. >> Well, at least I went to school. >> I mean, oh, okay. Yeah, you don't. evening use. What the are you talking. about? >> I use I went to school to be a medical. assistant. I did it. >> You did it? Yeah. And now you're aing. scheduler and you're more than [ __ ]. about me not having a degree. Okay. We've established that it's not that. hard to make more money than me. Congratulations. >> Yeah. Well, at least I have a high. school degree. >> Oh, a high school degree. Okay. So So. because I have a GED, that makes sense.

>> You don't have a GED either. >> All right, mother. Stop airing [ __ ] out. on the podcast. God damn it. >> Why would you say you have a GED? If you. >> because I got to apply for jobs and. [ __ ] I use chat GBT to make that [ __ ]. Like to make what [ __ ] We got fake. diploma all the time. [laughter]. >> First of all, first of all, >> the fact that it works is. >> not even that, but no one asked to see a. high school diploma. >> Dude, you would be surprised. I've been. asked like four different times applying. for jobs recently. I had somebody like. actually go through and like verify my.

employment at other places. >> Well, yeah. I mean, that can happen in. those automated systems that can run it, but often times you can put degrees of a. lot of things on resumes. >> Yeah. Well, see, and that's the thing is. I like I don't lie about other degrees, but yeah, like I dropped out of high. school. >> Why not just get your GED? >> Cuz he's lazy. >> Yeah. >> So, you've been a loser, a lazy loser. your entire life. Why'd you drop out of. high school, lazy loser? >> So, I dropped out because we'll get into. family stuff later. But my dad doesn't. really like never really believed in. school. He was a bar owner. He's so.

>> But it's you, not him. >> Yeah. But when I was still living with. him, he was like, "You don't need to go. to school. You need to drop out and come. help me with the business.". >> What is wrong with him? He's. >> also He's Arab and like had a very So. like Yeah. >> You're an Arab. >> Yes. >> Mhm. >> Yeah. >> Oh, yeah. Your last name's scary. >> Yeah. [laughter] Yeah. See, so like. >> I didn't see that. >> So like, you know, hey, listen. >> Well, he's they're the white Arabs. They're Lebanese.

>> Yeah. All right. Look, just because my. uncle, you know, he's a suicide bomber. instructor. Not even kidding. He. facetimed me into his recent class. He. said, "All right, kids. I'm only going. to show you this once. No. >> Okay. So, your dad's weird. >> Dad. Dad is very weird. Dad is very. controlling. I've actually gone like no. contact. Uh. >> a GED is very simple to get if I'm not. mistaken. >> I mean, I think now. >> why not just I would have to study and.

like just do it. I just. >> It's not the dude. The most people I've. ever met can go get GEDs. >> Dude, have you ever [ __ ] Have you ever. [ __ ] with algebra like out of high. school? Like as an adult, >> but again, the most people I've ever met. have gotten GEDs. >> I I mean, like, I could do it. I just. haven't I haven't seen a purpose. >> Well, look, it's it's making you Well, what purpose? You make $20 an hour in. DFW. Again, $20 an hour in the middle of. Kansas. Sure. DFW. That's difficult cuz. I'm guessing you're going to be bringing. in 2,800 a month after taxes and.

everything. Probably. Guessing that's. what you're What do you make being a. scheduler? 24. >> At least you guys live in a listen on. the edge of DFW for sure, but it is the. middle of nowhere. It must be cheap. Yes, it must be cheap. What hits your. account per paycheck? And what's that. paycheck cycle? >> My pay bi-weekly and it's about 1,600. >> And you make how much? >> 24. >> Oh, 1,600. Yeah. >> Yeah. >> Per paycheck cycle. Okay. So, 32 for. you. Yeah, that makes sense.

What made him actually go get this job? >> I forced him to get a job. Is that the. environment we want to potentially ever. bring a kid into? Is this is this is the. Why' you settle for this? >> I mean, I love them, but it's kind of. like, yeah, our relationship has been. like a. >> it's been rocky. I mean, like, you know, I like am fully aware that I have had. like I've been a piece of [ __ ] And so. like coming on the show and like kind of.

moving forward from that is me like. trying to correct the I like it's no. excuse. How do the dynamics work in this. house when it comes to finances? Cuz. again, you just started a job. You. actually haven't even started the job. So what has been happening when it comes. to finances in this household? Your. guys' conversations. What is it like? She runs everything. >> There's no conversations cuz he has no. idea what our finances are. >> Why? Dude, you're lazy and everything. What's one thing you've done? I don't. know. I mean, >> be at the top of a leaderboard in Call. of Duty, probably. But other than that,

what else? >> I fixed my car and I. >> that I had to spend $5,000 on. >> because you got a shitty ass car. >> Are you able to do anything? Is he able. to do anything? Why? Why do you put up. with a loser? >> He's able to game. That's like what he. does. >> All right. >> Plays his little what is it? The ROG. outli. >> Listen. Yes. I don't think we need to. slander specific companies. But yes, >> slandering you. I think we can all play. games without being. losers. >> To be honest with you, I like am really.

terrible with numbers. I'm really. terrible at everything, apparently. >> Shut the up. Learn something, [ __ ]. >> I mean, yeah, >> I'm not good with numbers either, but I. can do personal finances. It's not. complicated. >> I mean, I just like I don't know. She's. just always kind ofing handled it, so I. just let her handle it. >> Why? Why are you just letting him be a. piece of [ __ ]. >> I tried and it doesn't work. Then tell. me tell me about the try and how this. works. >> I didn't even activate my debit card. >> Well, okay. So, we switched. >> Oh, you're a what are you? >> And I ordered him a debit card.

>> and we got it in and for like 4 months. he wouldn't activate it and for 4 months. he didn't even have the. >> because my whole my whole thing behind. it was is if I don't have aing job I. don't need a debit card so I don't. spending money like. >> But you still do probably. >> No, I. >> you do. Hold on. You do. No, don't. evening lie. How many times do you go to. Dutch Bros? >> All right. When I was employed, I used. to go to Dutch. >> No, even when you're not employed, you. went to Dutch Bros. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans.

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Or call89733978. That is89733978. Break free from the highinterest trap. and get your finances under control once. and for all. That's kind ofing stupid, I'll be honest. But what's not is. actually getting a checking account that. gives you free money. Free money. We. like free money. You can get up to $350. in bonus cash right now when you sign up. for the checking account that I use. Chime. Also, it makes your savings grow.

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mean, >> dude? Like, let me tell you, she willing. pick a fight with a brick wall. We were. in Waterburger the other day. Some lady. came in and bitched about her food and. she's like, "Shut the up. It's not that. big of a deal." And it's like, dude, >> you can't. >> it doesn't matter. She was yelling at a. service worker, >> right? But that's hering prerogative. She wants to yell at that. Don't get. involved. This is why I had to [ __ ]. carrying a gun in the car was because. you start [ __ ] with everybody on the. road and then they get out of the car. and want to come [ __ ] fight me. because of your mouth.

>> Well, it's because you want to pick a. fight with people. >> I don't What are you talking about? You. called somebody ugly in the Walmart. parking lot yesterday for cutting you. off. You seriously hurt that dude's. feelings, too. I'm not even No, it's. noting funny. Why you laughing about it? >> Dude, you seriously like ruined that. guy's day cuz he took a parking spot. And then are we even going to go as far. as like the [ __ ] Renos's incident. when we went out and you yelled at that. whole group of girls for just having a. good time. >> when. >> Tell me about it.

>> I don't even remember. >> If I didn't have toing like No, you talk. [ __ ] perpetually. >> I do. >> to everybody and that's aing problem. So. yeah, I still a little bit of Yeah. What. do you mean it's not a [ __ ] problem, dude? I have guys coming out of their. car with tire iron. Your fault. >> It's my fault. I'm not the one that. rolls down my window. Shut up, ugly. Blah blah blah blah blah. Like, dude, you're going to get using killed. >> Well, if they deserve it, dude. I would. Yes. So, yes, I [ __ ] go smoke. nicotine because I have to deal with. you. Yes, you are a problem. You are not.

for public consumption. >> That sounds like a you problem. >> God damn it, dude. >> That sounds like a you problem, not a me. problem. may be a [ __ ] loser, but godamn if I. didn'ting Dude, having to put up with. all this [ __ ] is killing me. So. yeah, I smoke a little bit of nicotine. because if I don't, I'm going toinging. jump off a building from having to deal. with all the [ __ ] that you start. So. don't even with me everything else. Yeah, fine. All right, fine. >> The [ __ ] down, bro. >> [ __ ] you. Seriously. Jesus Christ. >> You're stupid.

>> You're rebuttled. [laughter]. Uh, >> I mean, >> that does paint a picture. I'll be. honest. >> I'm a [ __ ] And I've never claimed not. to be a [ __ ] And I've told you when we. first started dating that I was a actual. [ __ ] but I call people out. Like, I. don't give a [ __ ]. >> There's a difference in between like. calling somebody out and then like. straight up being like, "Hey, I know my. husband's got hands, so I'm going to. talk [ __ ] to you because I know that. there's nothing you caning do about it.". You know what I mean? Like seriously,

>> you know, like I don't care. Like even. if I talk like I talk [ __ ] to you. I. call you Megamind. >> All right. Which. Right. Okay. >> Why? He doesn't seem that bright. >> Well, as you. >> look at the forehead. [laughter]. >> As you pointed out, I have a receding. hairline. >> Is going away. Byebye. >> He's got a big ass forehead. >> It's very shiny. >> I feel so loved at this table right now. I can feel the love here. Well, I mean, you wanted to you wanted to come at me.

for no [ __ ] reason. >> Are we coming at you because you can't. shut your [ __ ] mouth? >> Well, that has nothing to do with our. finances. >> What do you mean it has nothing to do. with our finances if I end up having to. go to the hospital because some dude. beat me with a tire iron because of some. stupid [ __ ] that you said? >> Well, I would say it has to do with the. finances because if you guys try to have. a conversation about finances, how can. it happen if Well, he's saying you act. like a [ __ ]. >> right now. He's the one that's blowing. up to be fair. But. >> he's acting like a [ __ ] But if you if. you if he's correct and saying you do.

when you try to have a financial. conversation, >> I feel like I have to explain it to him. like he's a child. >> I have to put a table in between us when. we argue cuz I'm afraid that you're. going to beat mying ass. >> What are you talking about? I have to. have a escape route. You are a 6' tall. woman. Okay, I'm not trying to with. that. So yeah. No, I just let [ __ ] go. And the reason I don't ask questions. about theing finances when like the 12th. Amazon box this week shows up is because. yeah, I'm not trying to get beat. >> Okay,

I'm tired of you already. >> Well, tell me, how do these. conversations go though? >> Like, I need to know a bit more. >> He literally just sit there and stare at. me like he's dumb. And I'm like, do you. understand what I'm talking about? >> Every time I open my mouth. >> And I'm like, we have these bills to. pay. And he's like, uh-huh. Uh-huh. And. I'm like, what the are you doing? Do you. even understand what I'm talking about. half the time? I think it goes in one. ear, not the other. That's why your head's so big. >> Is that true? >> Full of air. >> Is that true? You don't listen? You're.

just. >> I do listen, but here's the thing is. that she [ __ ] overreacts to every. single little. >> So, like for instance, she sees, oh, we. have this bill coming up in 3 weeks. I. don't know how we're going to pay for. it. And it's like, okay. So then I go. dig in the collection of [ __ ] that I. have, sell a few things, and I'm like, "There we go. It's no big deal." But. she'll worry up until that point. But. that's why we buy [ __ ] like gold and. silver, and that's why we keep that [ __ ]. around is so when the spot price goes. up, we sell that [ __ ] and get our money.

back and be able to pay bills when we're. not employed. >> What? What the What are you talking. about? That is still a volatile market. Even though gold has done quite well. Metals have done [clears throat] quite. well. >> Gold's done really well. >> $64,45381. a debt. Why the are we getting assets? >> What? >> Well, it's. >> cuz gold does well. It doesn't do better. than 30%. So, >> no, it doesn't do better than. >> Which is what the are we talking about? And he also told Colton that you you say. you can't hide any purchases because. she's like a blood hound. >> Yeah. >> But why should you have to hide. purchases? >> Well, see, I that's I just don't even.

try. That's. >> why would you? >> Well, if you're complaining about not. being able to hide purchases, why would. why should you be hiding purchases? >> Well, cuz somebody else. >> Cuz he shouldn't be buying anything cuz. he didn't have a job. Yeah, but like and. I acknowledge that. That's why I didn't. even activate my debit card is what do I. need it for if I don't. >> You still had Apple Pay. You had a. PayPal card that was linked to our. account. So, it's not like you weren't. spending. >> I don't understand why you feel like you. would need to hide purchases, though. Like, your complaint is that you're not. allowed to hide purchases cuz she's a.

blood. But what the [ __ ] is that? Well, you shouldn't be hiding. >> necessarily. >> Why you think he hide? Does he hide? >> Yeah, all the time. He hides everything. Actually, he lies about everything all. the time. You're a liar. So, a loser and. a liar. >> Course. Of course. >> What's the What's the lie? >> Everything. Like, I swear to God. Like, he's gotten tickets and he's like, "Oh, it's not my fault. They just pulled me. over.". >> The body cam footage. >> Yeah. The body cam foot. Yeah. On. YouTube. >> What? Yeah. >> And what happened? >> He was speeding and he tried to tell me. that he was like, "Oh, they just pulled.

me over for like. >> It was only 135 and a 70, wasn't it?". >> Stupid. >> Oh, as a guy who goes fast full MKBHD. style. >> Mhm. I don't go that fast. I mean, >> yeah, she lied about the whole thing and. then the body cam footage came out and. they're like, all you could see is the. cop and then you just see him fly by and. I was like, are you kidding me? You lied. about this. >> You've also said that he's super into. investing, but it always destroys your. savings. >> Sometimes if I come across a good deal. for something that I know that can be.

flipped in the long run, I'll buy it, hold on to it for a month or two, and. then sell it. Uh, >> no, you don't hold on to it. You hold on. to it forever. And then we're in a bind. You're like, "Oh, I guess I'll sell it.". Well, I mean, yeah, cuz that's what that. [ __ ] is for. >> And your gold and silver [ __ ]. >> I I mean, look, >> you just sold First of all, you just. sold all your gold and silver. How much. did you get for it? >> Um 500. >> No, you didn't. [clears throat] 170. >> Oh, yeah. That's right. The two pieces I. sold. Yeah. >> Yeah. That helps so much. >> Yeah. >> How does it destroy the savings? >> He pulls money out of s Well, we don't.

really have savings anymore. >> So, if you just save a few pennies, he. immediately takes it and tries to turn. it into. >> Yeah. Well, so we had a little bit of. savings, but he decided he needed a gun. >> All right. >> So, he went out and bought a new gun. >> We're quiet. You said it's cuz she goes. crazy. >> Yeah. Well, actually, why? >> Yes. So, >> don't even you are you are nuts. Don't. even act like that is definitely the. reason. >> You literally are like, "Oh, we're going. out to Dallas. Let me pack my gun.". >> Well, yes, because somebody likes to run. their goddamn mouth. Really? Hey, were.

you going to talk about like and part of. it, not only that, like I hold a. security license where I sometimes am. able to pick up armed gigs and to do. that you have to furnish your own. firearm. >> But that's the Yeah. You're like, "Oh, I. not right now." No, you don't. Because. they're kind. >> Your house needs money, dude. You. weren't working for like 6 months. >> Yeah. >> What the is wrong with you? Why not go. work, >> dude? Drop some Mc Fries if necessary. >> Oh, no. He said he would never work for. food service. >> What the is wrong with you? We've all.

put in our time. >> I did it for like 5 years or so. The. wrong with you. Put in your time, [ __ ]. >> Yeah. I mean, I guess like I don't know. I'm just not. >> Bills or bills or bills are bills. It. doesn't matter. They don't discriminate. >> Mhm. >> Yeah. >> You need to get a job. You do now, but. you might need to work more cuz $6,000. net being for the household in DFW. You. guys are below the median for sure. >> Yeah. >> I think the plan is to eventually. hopefully get out of DFW. >> Oh, his argument for the gun is that. it's one of a kind. you'll earn money on.

it and sell it or sell it for your. future kids or something. What the. >> Okay, so um. >> what are we on about, dude? >> So So like look, I had a Glock, right? I. sold the Glock, got 700 for it, and then. I took the 700 and put it down on. >> down. >> Yeah. >> Down. >> So I put it in layaway um that because. it didn't it didn't gain interest. I. made sure that it didn't gain interest. >> Yeah. And then we had to pay another. $300 for it. But essentially, I got the. gun for.

750. >> [ __ ] are you talking about? >> And then I had it appraised because it. was a uh so it had a special serial. number. It had some features on it that. were really interesting that I hadn't. seen before. So I called the company. >> But you guys are dying in debt. You. didn't have a job. You still You just. got one. You haven't even started. The. How is this even an option that we're. even considering? >> Yeah, it was it was an impulse purchase. >> Yeah. No [ __ ] Your entire life is. impulse, is it not? >> Yeah, pretty much. Dude, you do nothing. and then you think you can go get a big. expensive gun, a special gun.

>> What is this, Zena? What was your. thoughts when this was happening? What. did you say? What happened? >> Could have literally use that money for. bills. >> Yeah. >> To pay off at least one of my credit. cards. And he was like, "Well, I felt. like the gun was necessary," which it. wasn't cuz what the do you need a gun. for? We don't even go anywhere. >> I think that it's important for every. household to own a firearm. We're in. [ __ ] Texas. >> Dad does. You don't need him. >> Your dad is also never home and Do you. know where the guns are at? >> Yeah. So, there's guns there, but.

>> Exactly. And he knows where they are. And my dad has said that he could use. them. >> You also live in a town of like five. people. I assume you've seen one black. person and you got you freaked out. >> Probably. >> Hey, listen. I'm Arab. We're cool with. the blacks. It's the white people that. scare me. >> What? You are as white as it gets. >> If you could tell the TSA that again, I. would really appreciate. >> It is your last thing. That's it. White. >> Dude, when we're walking down the. street, no one thinks you're Arab. There's not a single person in this. world. They see the name on your. passport or whatever. That's what they. see. >> Yeah. And then you bought this while you.

were unemployed. >> Oh, that dad does not live with them. You live with dad. >> Yes. We moved in with my parents. >> 31. Oh my. In a cheap ass small town. What the are we doing? What is wrong. with you guys? >> Well, so it was actually my parents idea. that we moved in with him. Every time. we're around my brother-in-law, he's. always talking to him like, "You got to. get your [ __ ] together." My dad's like, "Why are you doing this? Get your [ __ ]. together. Even my mom is like, "Get your. [ __ ] together.". >> To him. >> Yes. >> Why the won't you listen to anyone? Do. you have no shame?

>> I mean, no. It's Well, now I'm. >> starting to like look going through the. whole thing with getting laid off and. doing all that. I I have been very. immature, but I've just decided like I'm. tired of living like this. >> Oh, [ __ ] How long was it going. while everyone was [ __ ] on him until. he was like, "Okay, I'll play.". >> They're still [ __ ] on him. They're. still [ __ ]. >> Why are they [ __ ] now? >> Because it like he just finally got a. job. So now like the whole time my dad. is like, "Where did you get a job?". >> If we know anything about Hispanics,

they're probably grinding. They're. probably working their dick off. >> Yeah. >> Well, one of them actually is also. unemployed, I think. >> Does he do things though? >> Yeah. >> Well, there you go. You just gamed all. night. >> You don't do anything. >> You can't even cook. >> That is true. I cannot cook. I would. burn water. I have to come home from. work that I have to get up to 4 a.m. Then I come home and then I make dinner. and then I clean the kitchen. >> Wait, why the did you do anything if. you're a house husband?

>> His mom didn't let him do anything. She. cleaned, she cooked, she did everything. >> Was she a like full beekeeper? >> Yeah. >> Okay. So, yeah. I thought those ones. were strict, but. >> No, she was she was very nice. >> Not really. So when. mom and dad weren't at the bar, they. felt like guilty. >> Do they want her to be beekeeper? >> I don't No, I. >> They don't really care. >> No. Okay. Well, you said they're very. strict. >> I told her from the beginning like I'm. not a housewife.

>> They definitely don't like how she like. >> they don't like how like. >> she makes more money. She They don't. like how she's. >> Oh, dude. I wish my girlfriend made more. money than me. Then we'd just be rolling. around in that. That's weird. I'll never. understand that logic. >> Yeah. He like, >> "Please make more money. Let me stress. less.". >> Well, they're like traditional. >> Like dad is 80. >> Dad's 80 to give you an idea. And mom is. like 65. So. >> Oh, >> yeah. >> And how old was Knowing where they came. from? How old was she when they met?

>> Uh, she actually was She's from Florida, so she was in Yeah. So she was in like. her 30s when they met. >> Oh, never mind. >> She's uh Isn't she like Cherokee, though? >> Yeah, she's Cherokee. So she's 100%. Cherokee Indian. So I'm like, >> "What the?" And then she went beekeeper. >> Yeah. So that's fine. >> Must have been a mailman involved or. something cuz I'm awfully white. >> That's kind of crazy. >> She was a model in Florida for a while, too. And like Yeah. So. >> why'd you do this to herself? >> Cuz dad has always statistically made a.

lot of money. Um. >> Okay. There's other people that make. money that don't like block you. I mean. likeing like like dad pretty much. controlled the bar scene in the DFW area. from like 1985 to 2010. >> How rich is your dad? >> He's not rich at all. >> Not anymore. >> So what the he controlled the bar scene. in Detroit Fort Worth? >> Well, no. I mean like he No, in DFW for. like all of DFW. So dad had 10 bars at. one point in time. >> There were probably more than 10 bars in. Detroit, Fort Worth, metropolitan area.

>> No, those were just the 10 that dad. owned. >> Yeah. And but basically the amount of. stuff that he was making over like $3. million a year at one point. We had a. giant house and then the IRS came and. [ __ ] everything up because he wasn't. paying his taxes. >> Well, I don't think they everything up. I think he did. >> Well, of course, you know, and I mean. >> Okay. >> You know, and I like. >> he took after him and started his own. little business and of course it failed. >> Wait, you did? >> Yeah. I [snorts] mean, it hasn't a bar. >> No, not a bar. I uh So, because of my.

connections in the tactical community, I. made. >> in the what? Okay. I knew that this was. going to be a No. In the what community? >> It's like in the tactical community. So, >> what the is that? >> So, like Navy Seals. Uh, some people. I've sold my products to. Navy Seals, police forces. >> I don't know what any of this is. >> I I feel like I could. >> Yeah. But the thing is is that he. doesn't actually do it. I do all the. work. >> Yeah. >> What? What are you talking about, >> dude? You're You are doing what your dad. did. >> Yeah. >> Except you're not actually going and.

making any money from it. You'reing. using her in every way whatsoever. and making her do everything, but you're. not going and making bread, which at. least somewhat offsets it. You just do. nothing. You game and she does all the. work. She makes the jewelry, whatever. the this is. >> Mhm. >> What the [ __ ] is wrong with you, dude? This makes no sense. I don't get it. What is even the jewel? Do we have one? Is there an example? You have a picture? >> I can show you pictures. >> Yeah, show me a picture. What the are we. making? >> So, what is a military men? Um,

>> they're buying jewelry. >> Okay. So, it looks like. >> Oh, it's just those little butt buddies. >> So, it's like a They're not really. >> How did you make these friends? >> I'll plead the fifth on that one. There's. >> Huh. >> There's one right there. Um, so basically they're made out of. Technora Kevlar cord. Um, the cord can. cut through PVC pipe. It can cut through. restraints. Um, the magnets can be used. >> They're beaded necklaces that these. military men are purchasing. What the. are we talking about? >> Right. So they look that that's the.

whole idea behind him though. And it. >> Well, they look very gay. >> Have you heard of Ed Calderon? >> Huh? >> Have you heard of Ed Calderon? >> Nobody has ever heard of him. >> No, he was on. >> No, I have not. Okay. >> He was on what? >> He was on the Joe Rogan show. Um Ed is a. counter abduction specialist from Tijana. and I kind of got some of the ideas from. him to start making these. >> Yeah. >> Gay necklaces. Because because the whole. idea is is if you have a handcuff key or. the back on the back of one or something. like that, you get stopped by dudes that. want to you up. They take you They don't.

normally take your jewelry, right? They. they take all of the other [ __ ] out of. your pockets. Knives. >> Dude, your ancestors used to conquer. Spain. You're making gay necklaces. >> I I mean, >> he's not making them. I'm making them. >> That's true. You're making your woman. >> You know, if I have an extra one laying. around, I'll send you one to the to the. shop so you can put it up with your. >> So you can put up with your Labou. Even. she says nobody wants it. I mean, yeah. >> I mean, there's people that want it, but. like normal people don't want it. >> Who are these people? >> They're just like I don't know. They.

like play with knives and guns and [ __ ]. >> Knives and guns can be fun, but I don't. understand why they want to be like, "Hey, look, I'm a bottom type of. >> Netflix." It's like they they're like, "It's a rosary." And I'm like, I think. it's kind of gay. >> It's gay. And we love the gays. >> We do. We love the gays. >> We have a gay right here. And we love. him. >> I know. One of my favorites. [laughter]. Um, >> is that like the token? >> But it is very gay. >> I mean, well, I think part of it is is. that it's not supposed to look. threatening, right? So, the whole. >> I'll confirm that. >> So, so the whole idea So, the whole idea.

is is that the cordage that's on that um. I actually have another video on that. page that I will show you later where. Let me show you something. I hate having. to explain it because. >> No, no, no. He doesn't hate explaining. it. He if you give him a chance to. explain it, he will tell you all about. it. I [ __ ]. >> You're also not the one who makes it. Well, I mean, in the beginning I did. >> Why' you stop? You do nothing. >> Even in the beginning, you're like, I. need you to do it cuz you're so much. faster. >> Why did you stop? Why' you stop? >> You did nothing. >> Okay. What is he game?

>> Uh, what is it? Call of Duty. >> No, I don't really. I play like vintage. games, so I download free. >> I actually don't know what it is. >> All night. You're playing vintage video. games? >> Yeah. So, I download like old Game Boy. games. >> What? >> Um, let me think. I just got done. playing uh Mother 3, which is a. Japanese. >> So all day she's grinding. You're. playing Mother 3. >> Yeah. Downloading. >> Game Boy games. I just played The. Suffering on PlayStation 2. That was. fun. Um.

[screaming]. >> you came for the finances. >> But what if you could have more? >> Welcome to [music] Hammer Elite, YouTube's number one membership. Get. even more exclusive members audits. your. time 100%. But. >> juicy post shows. >> You were doing this behind his back. But. one of them I've actually never seen. this photo. >> Spicy audit [music] breakdown. >> We still don't feel with people like. that. Like he is a next level. >> Audit updates. >> I'm seeing a therapist now.

>> Personally or romantically or both. >> behind the [music] scenes moments. >> and budget buddy surprises. And for this month only, you can get all. of this for free. Join with the link in. the [music] pinned comment or. description below. Submit proof of. purchase at hammer elite.com and we. [music] will reimburse you for your. first month with a $10 digital gift card. that can be spent anywhere in most.

countries. You have no idea [music] what. you're in for. >> Starbucks is [ __ ] and a waste of. money. And you already know that by. making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR just 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is.

game. >> Literally, the cherry flavor is insane. Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. We have to pay for like. >> Does he have an extra gaming room? >> No. >> No. >> Sits on the couch. >> What? Where? In the living room. >> Yeah. >> In the living room where everyone else. in the house that everyone else lives. in. >> Mhm. >> No wonder they hate you.

>> Yeah. I mean, >> well, we have our own living room. >> You. >> Yeah. >> Yeah. They see you do this all day. Not. providing for their sister, not. providing for their daughter. What the? Of course they hate you. >> What? You are pathetic. >> Sure. I mean, I. >> What do your military bros think of you? >> They think he's the coolest person in. the world. >> No way possible. How do they think that? >> Cuz he's a bullshitter. >> Well, that and uh. >> Mhm. >> that I I've kept my identity pretty like. separate from that. >> What identity? What are you talking.

about identity? >> So, like Okay. like you don't have an. your identity is playing mama 3 or. whatever. [laughter]. >> So I like uh. >> I don't even know what that is. >> So I like kept my private my personal. life private because. >> what personal life? >> So like they don't know anything about. my private life at all on when I sell. that stuff because I don't really like I. didn't even really want to come do this. I don't like to put arts. >> Why the are you here? >> Cuz I forced him to. >> Good good good. We like you know. >> big Zena fans here. I I just kind of I'm. a very private person.

>> No, you're not. You'll talk about. yourself all the time. >> A brick wall. But. >> you [ __ ] will. You never shut up. >> So what is this? So you're not private. You're just. >> I just don't like people knowing certain. things. >> Yeah, you're telling me everything. without me barely even asking because. that was what was agreed upon. >> Well, that's good. I appreciate it. It. is a podcast. >> That's what we agreed upon is what's the. point of me coming on if I'm not going. to offer you all of the information. immediately. >> Okay. I got to get some of these. finances. [laughter] I got to get into.

this. This is But I'm I'm very nervous. of how your guys' situation works and. just your existence in this. relationships makes me nervous for the. future of this. Well, come on. You. haven't worked. You just got a job and. it's not much for the Dallas area. >> Yeah. >> And honestly, you don't make much for. the Dallas area either. Luckily, we're. in a smaller town and you guys must not. have much overhead cuz So, I don't even. understand how we're struggling if we're. living at home like and yet going out to. eat. What what did we spend last month. as a household, do we think? >> I don't even want to [ __ ] know, dude.

>> Well, guess 20 grand. [screaming]. >> Take a guess. >> Okay. He's [ __ ]. >> Okay, you're right. That GED will be. very difficult. >> Mama Mama Mama said the TV was the. devil. >> Yeah, like I said, he doesn't know. anything about our finances. >> 20, you know, >> I think like maybe like $7,000. >> You guys, >> I don't know. Like. >> it was $800, which is insane for a house. that makes no money cuz you didn't even. have this job yet. $7,000. You don't.

bring even net with him bringing in. money is 6,000 a month once he starts. his job. BOTH OF YOU COMBINED. SO. [laughter] what $7,000? >> I have no idea. >> So apparently she don't know numbers. either. Alone was $2,000 all combined at. a minimum. And there's some unknowns. that we'll go through, but what the. [ __ ]. What the [ __ ] I mean, you were spending. last month on the income that came in of. that 3,200. 63% went to [ __ ] minimum. And it's.

probably closer to 70, 75, 80. Okay. What do we think the combined household. financial score is? 0 to 10. Zero being. the worst, 10 being the best. What do we. think it is, guys? >> I think a three. >> I think a zero. >> All right. If you want your Hammer. financial score, see where you stand in. the world of finances by taking the free. assessment at caleb.com. see what you. need to do to improve your life or where. you're already doing good or where you. are just doing horrible. It's free. kaleer.com. And if you don't want to be. like a guest who ends up on the show, you'll actually know your numbers if you. download the dollar wise budgeting app. There's a free trial to see if you like.

it. And if you do, sign up for the. annual version cuz it saves a lot of. money and it comes with this special. little bonus where I sign my personal. budget friendly cookbook and mail it. directly to you. only exists for a. couple more months and then it's gone. forever towards the uh beginning of 2026. which this honestly might even be. uploaded at that point. So it was like. our backlog's so big these days. Who. knows? Uh so yeah, check that out. Dollarise.app. All the links are in the. description below. Yeah, we got to get. into this. Okay, CarMax. First of all, CarMax, horrible choice because this is.

everything's overpriced. This is this is. it's brutal. No negotiating. It's just. bad. I goting yelled at by her, by the. way, for saying that that price was. [ __ ] and that we need yell at him. for that and that we needed to. negotiate. And then she got negotiated. >> We don't negotiate. >> Well, and that's when I told her we. probably should. And also, I didn't like. the salesman. Like I. >> the There was nothing wrong. The. salesman was super nice. >> He tried to sell us a car that smelled. like cigarettes and you were like, "Okay." Yeah. >> No, I didn't. I said detail it. No, I. mean, he did say that they would detail. it for free. Mother, you don't ever.

trust a a used car salesman to do. something after you buy the car. That. >> so what happened? What? >> You Yeah. What? What happened? He. wrecked my car. >> I didn't wreck. >> How many accidents now? >> All right. A [ __ ] a [ __ ] teenager hit. me when I was driving her car. I was. minding my own business. >> Do we have the Do we have. >> Now that we know he lies about, do we. have the police cam of that? >> Yes, we have the police report. We have.

the police report. >> I mean, the insurance found the other. driver at fault, so I'm assuming that's. correct. >> Okay. Which means it probably covered. your car then. >> Yeah. >> Yeah, it did. But I only had $1,400 left. to pay on my car. >> But did it not cover the value of the. car? >> No, it did. >> Okay. >> But I almost was free of a car payment. >> Well, I know. But you could roll that. value into a small car balance cuz what. did they give you? What did insurance. give you? >> Uh 6,000. >> Okay. And that wipes out 1,500. There. you go. 5,000 to put down on a 10,000. giving you a 5,000 loan. Yeah, it sucks,

but that's not that bad. So, what but. what was the issue? Cuz Oh, because we. owe 26,115. So, it's not like we did we. did the right thing anyway by any means. WHAT THE IS THIS? WHAT HAPPENED? >> I didn't pick the car. I had nothing to. do with buying that car. That's all. >> Why did it have to be this car? >> Cuz I wanted a car that was going to. last a long time. >> That could be any car. Not necessarily, but get a car looked at. Yeah. >> Yeah. Well, my other car lasted me a. long time until he wrecked it. >> Well, there you go. So, you know, you. didn't need this car. >> I didn'ting wreck it. Some chopped ass.

teenager that was playing like fetty [ __ ]. or whatever merged into my lane when I. wasn't looking and slammed into me when. he was all right. So, first of all, if. you could tell me how it's mying fault. that I'm in the middle of a lane and. this motherucker hits me this way by. merging into me when I am very clearly. there without [ __ ] using a signal or. anything so bad the cop even came out. and was like, "Oh, dude, this is open. and shut. he's 100% at fault. Filled out. the police report and then [ __ ] lady, his mom shows up who wasn't even there.

and was like, "You hit him. This was. injustice." Blah blah blah blah blah. blah blah. All this othering [ __ ]. only to come to find out that her son, her chopped ass Edgar looking Vector. from Despicable Me [ __ ] haircut. ran into me. So, not mying fault. Stop. saying I wrecked your car. Some chopped. ass teenager wrecked your car. Listening. to Fetty Walk. >> Yeah. All right, we need to get Tyler in. here and get down, gentlemen. Thank you. Um, he uh got in a car crash and he's.

very upset that they were playing Fetty. [ __ ] and but called them an Edgar. Um, who do you hate more here? He bought. guns because of uh. >> Well, no, >> he admitted. >> No, we did not admit that I bought guns. because of I bought guns because of my. crazy assing wife. Has nothing to do. with either of these people here. >> Who do we hate more? I think the one in. the middle. >> No, [laughter]. no, no. You gave me a option. >> The haircut of the hair of the car. >> Has nothing to do with the air with the.

bought the guns for that. >> And I mean, honestly, I don't have any. problem with either of you. My problem. is with you. >> Why? >> Why? >> I don't know. You've beening beating my. ass up the whole time. So, >> because you're a loser at them. >> We all do. >> I mean, no. No offense. >> You know what? [laughter]. Listen, it has nothing to do I'm sure. you're both wonderful. >> Oh, thank you. >> And that was [ __ ] up. >> What? Oh, okay. So, you bring in like. the two ends of the stereotypes he saw. just. hold on,

>> bro. I'm Arab. I'm not white. I'm not. going to. >> Hold on. I have all the stereotypes in. this office. Thank you. >> Of course. Freaking gerrymander to. [ __ ] bring them back in to tip a. [ __ ]. >> Yes. The diversity hires DEI. >> WHOA. [ __ ]. >> That's crazy. If you want your if you. want your Hammer racist score, get it at. caleb.com/racist. See where you stand in. the world of racism. Whether you need to. be more racist or less racist, that is. calebammer.com/racist. So, okay. You didn't want to get this.

car. >> I didn't at first. >> Then why the did we get it? Or you said. he's crashing multiple cars. >> No, no, no. He crashed my car multiple. times. I did. Dude, >> what are we doing? >> Being a dumbass. All right. So, one one. was definitely my fault. I'll admit to. that person. What? Dude, you told us. earlier you're going 130. >> Well, that's not in hering fusion or. whatever. >> You leave my That car was car, >> but we know you drive insane. >> I mean, >> I've been saying you go 165.

>> I mean, I Yeah, I did get pulled over. going 165 the other day by a state. trooper. >> Were you not arrested for that? >> No, I got a warning. >> Okay, that's crazy. >> I have the warning in the car, too. >> That's crazy. >> I do not speed like that if there's. other people on the road. You got pulled. over by a state trooper. There were. other people on the scene. >> Yeah, but that means there were other. people around, [ __ ]. >> No, there wasn't. >> He was. >> Well, right. But if he's hit All right. First of all, those [ __ ] like. >> over in the middle of the day. >> So, yeah, people were around. >> No, there was nobody around. >> Yes, there were. Cuz. >> open.

stretch of highway on the toll road. >> Texas toll road. No one around. You. always right. So, there were some people. around, but at the same time, [laughter]. like I [ __ ]. >> again, >> I can drive like that, though. >> So, it's a Ford Edge 2022. You have. $26,115. >> Mhm. >> 14% interest rate. What the [ __ ] are we. doing, guys? >> Oh, you're going to be pissed at mine. >> Oh, for sake. With a minimum monthly. payment of $53,481. What are we doing? >> What are we doing, Z? Okay. So, the. interest rate was going to be 19%, but.

my dad co-signed for me. So, he doesn't. have the best credit either, so that's. why we got 13%. But, I wanted a good. reliable car that was going to last. >> Reliable car. And you got a Ford, get a. Toyota. >> Thank you. >> I couldn't find a Toyota within my price. range. >> You went to CarMax. You couldn't like. everything's out of any reasonable range. regardless cuz they're all overpriced. What do you think it's worth? >> Like 20,000. >> 18. >> I was going to say, yeah, it's already. depreciated. We're seeing 18.

>> Yeah. I mean, Edmonds. is appraising at 18,1323. and we find them to be the most reliable. source for valuing cars better. So, that's what we use now. You agree? Yeah, >> I agree. I've used them in the past. >> Exactly. Edmonds is great. So, that's. what we started using now. So, 18,000. >> which I told. >> you don't have equity to trade in. I. mean, that's a good place for equity. tradeins, but it's not right now because. you don't have it. >> Yeah. And I put 3,000 down on it. But you got 5,000 for the car. >> I gave my dad. No,

>> you got 7,000, but 5,000 afterwards. Yeah, after the paying off the last What. the. >> Well, I gave my dad 1,000. >> How many people live in this house, by. the way? >> It's four. >> What? I thought you said sibs. You got. siblings? >> No, they're all married. >> Oh, they're all married. And. >> you guys are married. >> Yeah, but they but they like live in. their. >> They're adults. Yeah, they're adults. >> Yeah. >> What do I see? Pass due. No, current. dude. Oh, got nervous. Western funding. What is this? That's my car. >> What is your car? >> Uh, a bubble car.

>> A gianting money pit. Uh, >> what kind of car, [ __ ]. >> Volkswagen, GTI, >> autobomb. >> It's a fast car. Is that. >> It's a turbo car. Little tight. What's. >> 0 to 60? >> Uh, 2.3 seconds on gravel. >> It's ugly as. >> on gravel. >> Yeah, that's the only place I've tested. it. >> Okay. >> I mean, it's a fast car. It's a piece of. [ __ ] It's the first time someone's come. in and actually is able to. >> Yeah, that's why I was talking [ __ ]. about your test. >> My Well, yeah, I'm 2.5, you know. >> I mean, we're close enough. >> We're close. Well, you owe $17,479.

on this death trap with a minimum. monthly payment of $49347. And what is this interest rate? Cuz you. said it's horrible. >> It's stupid. >> What are we doing? Why? When did you get. this and why? >> Why was he driving your car in broke? He. has this. >> So, here's what happened. >> Cuz his car was in the shop. >> So, I had So, I had a Cadillac. M. Oh, this story is so fun. >> You have a sticker on it that says, "Only gay cops pull me over." And they. didn't give you a ticket. >> No. >> Maybe they found it funny. >> I had a Cadillac. Wasn't paying.

attention one day, was speeding, came. around a corner, saw a bunch of brake. lights, too late, rear ended somebody, total the Cadillac. So, after I totaled. the Cadillac, um, which was also a. performance car, I went and, uh, dad. insisted again that we go to this one. motor. >> Is it here? >> No, it's not here. I didn't drive it. >> What the [ __ ]. >> I didn't drive it here. Yeah, but it's. an interesting topic. We could have. taken a look at it. >> I I mean, well, I wasn't sure it was. going to make it up here. >> That's. >> what the Okay, so you owe an 18%. interest rate loan with $500 a month,

$17,479. balance on a car you don't even know if. it'll make it here. >> Okay, so we've had it. And look, dude, this was the stupidesting decision I. ever made. But my dad was really pushing. for me to get this particular car. I. wanted to go She wanted to go look other. places. I wanted to go look other. places, but dad was like, "No, >> why do we give a [ __ ] about this guy? You've already decided he was bad.". >> It took Well, it took like it took a big. >> Why did he want this? >> Because Okay. My parents like both of.

them drive Mercedes they can't afford. Okay. Like they're drowning in debt. because dad used to be rich. And so it's. the opulence thing, right? Dad was like, "No, son. >> I just looked up a picture. It doesn't. even look that cool.". >> But dad, it's not that. And I actually. kind of quite. >> No, hold on. Cuz you absolutely wanted. this car. I quite like it. >> Yeah, even though she was like, I want a. GTI. I want. >> There we go. That sounds like the real. reason, not papa. >> But we only had Well, we had two. options. It was either a Buick Lasaber, which would have been a better choice, >> or there's a lot more cars actually out. there. >> But dad was like, you need to go to this.

one place. And if you do not go to this. one place, >> I do not care what dad says. >> Okay, look, I'm a piece of [ __ ] Like, we've acknowledged that, right? And so, like, one of the only things in this. world that gives me peace is speed. And. I don't know how to. >> You have seven escape and evasion. incidents on your record. >> I mean, not anymore. Seven. Not anymore. >> You've had That's insanity. >> I Yeah. I mean, look, if you know they. can't catch you, what's the point? >> They have. >> No. No. Okay. So, the only reason they.

caught me and first of all, that was. when I had my motorcycle. So, I had a. Suzuki high abus. >> Oh my gosh. How you're alive, I have no. idea. Also, by the way, you have ne like. your equity position according to. Edmonds is literally $7,000. >> Yeah. No, I should have never bought. that car. You have no equity. You're. underwater by 10,000. >> Yeah, it's stupid. I. >> Oh my god. >> You didn't know that? >> No, he You know what? No, he said that. like his car was worth like 13,000. So I. was like, okay, maybe like 5,000. But to. find out that it's only worth $7,000. >> after we put 10 grand in parts in 6.

months, we've owned it. >> Income tax for 2021. >> Yeah. >> For all. >> 2022. offer at 432 and not one but for. the last 3 years who's owing income tax. >> We both are. >> Whoa. Hey, for once I'm not theing. target here. There's another person. sitting at this table. Yeah, there we. go. >> No, hold on. That's for both of us. That. is for both of us. Actually, >> you don't get enough taxes taken out.

>> because you don't know how to fill out. your W2. >> Wait, so that would be on you then? >> No. No. I mean, I think it's on both of. us, obviously. >> This might be an equal blame one that. I'll take. >> Do you put enough aside? >> [ __ ] no. >> No. >> Oh, then what the [ __ ] you doing? Why. don't either of you? >> Well, this year I had to go tax exempt. because I wasn't making enough to cover. our bills. So, I know for next year. we're definitely going to owe. >> Well, this is a bill. Your taxes are a. bill. You don't get to choose paying.

taxes. >> I've never had to pay into taxes. So, when it started, I was like, I can't pay. this. And so, it's just progressed over. each year. What the [ __ ] are you doing? Yeah, you owe taxes. >> Mhm. >> To the federal government of $2,2761. That's over the course of 3 years total. Are you on a payment plan yet? >> Yes. >> What's the monthly payment? >> $100. >> Oh, for [ __ ] sake. That's going to. take forever and interest and fees and. [ __ ] Usually they're fed rate plus. 2, three. So, what are they at? 7 8 9%.

Something like that. >> Yeah. >> What a mess. Easy pay leasing. What is. this? That is his car repairs. We had to. finance it because I couldn't afford it. >> Not happy about it either. >> Why'd you get into this car? Oh, we. already went over it when I got it. What. a stupid thing. Why didn't you just give. up? Start over. Repo it. Let it go. >> What did Iing tell you he was going to. say? >> Then what are you going to drive? >> Because I have said for the. >> I agree. I would have done that in the. past and then trying to figure out that.

situation. >> Like dude, I've told her many times. We. just need. >> YOU'RE ALSOING PASSED DUE on it. So, >> no, we're not. Yes, you are. >> Yeah, >> [ __ ]. >> It's by the way. I don't have like It's. like I have to figure out what bills I. can pay. >> because I'm having to pay like $177 for. a car repair every 2 weeks for you. >> You're not going to making money. What. are you complaining about, [ __ ]. >> I mean, how can we pay bills if we don't. make money when you sat on your ass. played video games all night? Mama 3 all. night. >> That's fair. You. >> I feel like you don't have any room to.

talk cuz you don't even know our. finances. Actually, >> can be here. Like I you dragged me. >> What are we doing then? I understand why. you wanted him to come on, but if he. doesn't want to be here and he doesn't. give a then you're never going to make. it. >> It's not that I It's not that I don't. give a It's just like I don't have. answers to all this [ __ ]. >> Well, we're here because I'm hoping he. will realize that he needs to get his. [ __ ] together. Otherwise, our marriage. isn't going to work. >> I agree. What's the ultimatum? Cuz there. should be. >> Like he needs to get his [ __ ] together. otherwise. >> What does that look like and by when? like hopefully within the next year you.

get your [ __ ] together because like we. want to start a family but obviously we. can't. >> Okay, what does [ __ ] together look like. by end of 2026? What does this need to. look like for the marriage to continue? Because that is actually valid not out. of love but out of she doesn't want you. dragging her down her the rest of her. life and that is fair. >> and I can understand that. That's. >> so what is the ultimatum? >> Divorce. >> No, no, no. What do the finances need to. look like? What does he need to. >> what does it what does it need to look. like? What does what he does for that. degree brain? He needs to understand our. finances. He needs to realize that he.

needs to work harder to get a better. job. >> Okay, but what does he have to do? What. does it need to look like? What does he. need to commit to. >> go toing school? Like what do you want. me to do to get there? All right, that's. what I told you to do. I know you know. what ultimatum means. >> School for what though? Like there's. that's that's very broad. >> Like I want him to figure out what he. wants to do with his life. He's 31. >> I agree. You need to figure out what. you're doing. Like what the you have. nothing what are your interests, dude? What are your interests? I mean, I'm. really really good with electronics and. vehicles. >> Okay, then do something in it or or do.

be automotive. Be a technician. >> Dude, I have a buddy that just went to. school foring welding. >> and he makes the same amount as I do. without aing degree. I guess he's a. shitty welder, but. >> Well, I don't know. I can't speak for. welding, but I do know that in the car. industry, if you're actually working for. a successful business, you can do well. >> I mean, I would love to do automotive or. it like. >> then do something, dude. Why? Why not? You already you know. Okay, that's what. he selected. So he knows what he wants. to do, then do it. >> But I mean, school, >> he's going to changeing money. >> Yeah, you can get student loans in your.

position. >> Mhm. >> But I thought student loans were bad, Caleb. Every time I watch this show with. a very. >> And you haven't watched and you're a. [ __ ] It is debt. What is bad is. borrowing for [ __ ] What is bad is. borrowing for a [ __ ] degree, borrowing to go to a college just for. the sports team, borrowing to spend on. things like cars and stuff, which many. people do with their student loans. If. you were going to trade school and you. were getting uh some student loans, which might not be subsidized, but some. student loans from the federal. government, which I think you would. qualify for, you'd be fine if it has a.

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And second, my investing app of choice. these days is Weeble and get a 2% match. on all of your money that you transfer. over. And finally, sign up for automated. investing with Acorns. Typically, the. signup bonus is only five bucks, but. with my link, you get $20. Ladies and. gents, you get money, I get money. Enjoy. Links are in the description. below. >> I guess I just haven't um like I've. always thought it would be like. unobtainable based on our financial. situation. >> The the general rule is never borrow. more than you'll get in the first year.

of income based on the job you get from. your degree. >> Right. I I mean, I would love to be like. a systems manager or something, not have. to deal with people. >> Do it. >> Will he do it? Probably not. >> Let's make a bet. You like to make bets, right? >> Make a bet with her. She's betting. she'll divorce you. Okay. >> I literally We had a bet like a while. ago that I would let him get a. motorcycle if he got a good paying job. >> What's a good paying job? >> Like more than me, >> like 30 an hour. >> So, school needs to start by let's say.

summer, summer or fall at the latest. That should be the ultimatum. >> And he needs to complete school. That is. also the ultimatum. Okay. But if I. complete school, it might be a. certification. It might be college. It. might be trade school depending on what. you're trying to do. But yes, >> but let's make this interesting. If I. >> No, I don't give a You're literally. fighting for your marriage. That should. be interesting enough, [ __ ]. >> But also, I think it would be fun that. if you. >> I don't care what you think. >> I just want you to get in the front seat. of the car with me. >> I don't know. I would never. >> Nobody wants to do that. >> That is the last I am scared. Don't be.

scared. >> That is a rational fear. >> Mhm. I'm scared. I don't let him drive. anywhere. >> You drove down here? >> Yeah. I drive everywhere. >> I'm not allowed to drive. >> What is Well, your past due on this. What is the overall balance? Cuz I don't. even know that. >> Uh I think it's like 3,000. >> No, it was000. >> So, it's originally 2500, but if we. don't pay it off within the 90 days, it. adds. >> 90 days. When was this? >> October. >> Mhm. >> Yeah. >> So, 90 days is imminent. >> Yep. >> December 2nd. >> And what will the balance be then?

>> It will add 3,000. >> It'll more than double. >> Yeah. It's one of those predatory loans. >> that you chose. >> We didn't really have a choice. You have. a choice to let this car just die cuz. it's going to cost you money forever. >> But also, I thought you said you can fix. cars. >> I mean, you can, but you can't fix a. [ __ ] blown turbo in your garage, dude. Like, >> that wasn't even for the for the turbo, >> you know? And you can't fix like aing. block seat issue. You can't fix a Like, no. This car is a piece of [ __ ].

>> So, is it 16406 every other week? >> Mhm. No, it's like now I think it's like. 177. >> Well, yeah, probably fees being added. >> Yeah. >> Okay. 164.06 * 2. So, every month it's. 32812. Listen, I'm a little confused. If. we have to pay off 2500 in 90 days, why are we pass due on the most critical. debt of all? Cuz it'll more than double. in about a month from now.

>> Because I didn't have the money for it. Well, cuz he wasn't working. >> Mhm. >> But we still spent 2,000 hours on. [ __ ] minimum. >> Yeah. >> So, wait, what are we talking about? I. think 2500 minimum, actually. So, what. are we talking about? Like, Q, you did. have money. Who's spending? Who's the. spender? >> Yeah. >> So, you there was money to actually pay. this off. >> Be soing quiet now. You're talking all. thating [ __ ] earlier. Yeah. >> Your [ __ ] spending in one month. could have paid this entire thing off. >> Yeah. Well, some of it wasn't [ __ ].

>> [ __ ] Oh, no. Oh, let's pull up the. so miscellaneous bull miscellaneous. [ __ ] and going out to eat was 2500. total. >> Amazon list. >> Miscellaneous 1,200. uh $218.60. plus $84.17. for going out to eat. So, [ __ ] at a. literal minimum, literal minimum right. now. is $2,22.77.

at a literal minimum is [ __ ]. spending, but there's thousands of. unaccounted for that we don't know yet. Unknown shopping is 642. Um, and an additional 500 that we do not. or we're not able to allocate an. additional 1,100. You say Amazon. Sure. Let me see the Amazon payment revision. for half this [ __ ]. >> Or amazing grains for. >> those are dogs food. >> Things of cheese sticks. I think we got. some yarn coming in. >> That's his cord.

>> Dog harness. I'm sure we didn't have. one. Erase dry erase markers. That's. probably not needed. Same with a. whiteboard. We don't need that to. survive. >> I've got it for work. >> Peppermint pearl foaming gel. I don't. know. But work off. Have them get. something. Good molecules hydrating. facial gel. How many do we need? Good. molecules. Good molecules. Good. molecules. We got like a thousand. different good molecule things. >> Skinare. >> Yeah, but you got like a thousand. different things. >> No, I didn't. >> Yes, you did. 1 2 3 4 five in one day. Different things. >> when we're literally trying to prevent a. debt from more than doubling. Picture.

frame. Didn't need to survive. >> That one was me. >> Gift card in a box. We did not need that. to survive. >> Magneted iPhone Pro cover. I can I can I. can do that if it does if it prevents us. from Is this phone new? >> No. >> Yes. Not new. New. No, >> no. I uh probably had it seven, eight. months, maybe. >> That phone case was for my phone. >> [ __ ] sake. Is your phone now? >> No. >> Okay. USB cable, charging brick, uh USB. cable, card holder, uh cable clip. So,

you didn't need that to survive. 10. grips. 911 comp. >> That's that. Yeah, I had to get Well, I. didn't have to get anything. I bought. some new grips for my gun. >> Some 911 grips. >> 1911. It's the year it was made. >> Making me nervous here. More front phone. case. Oh, but that's being me. >> There's more skin care. >> Body lotion. Dude, all your skin should. It's like we're up to seven now. When. we're trying to prevent a debt from. paying off neon loot band, I'm sure you. had one for your watch. Screen protector.

for the watch. I mean, that's maybe. okay. More Himalayan shoes for the dogs. I mean, they don't need treats 100%. I. will say that that I I'm going to defend. her here. We have a dog that is a. [ __ ] demon. She's half uh Italian. greyhound, half Chihuahua. If we don't. get her those chews, she destroys the. house. So, that's the only thing that. keeps her from [ __ ] happy birthday. We don't need that. Hole punches, we. don't need it. Uh Gatorade powder. hydration [ __ ] No, no, no. Listen, you're doing gamer subs from now on cuz.

one, it's cheaper and two, it tastes. better. It's 40 cents a serving or 35. cents a serving, whatever it is. You can. get free samples just like this to see. what flavor you like. Link in the. description below. Gamersubs.gg. Type in. code Caleb. So, this is the energy drink. version. So, you can make your energy. drinks at home, but there's also the. hydration drink version, and they taste. better than Gatorade. Trust me. As. someone who used to like Gatorade, but. now only drinks Gamer Subs, it's. awesome. >> So, no more of that. Yeah, it's all. [ __ ] Lots of party [ __ ] Yeah, it's. just it's so much [ __ ] It's. endless. We can't be doing that if we're. afraid of a debt being doubling.

>> And I mean, you can It's unacceptable. >> I ordered like two things out of that. wholeing thing. The rest is. >> Yeah. It's unacceptable. >> Like. >> unacceptable. >> Yeah. Well, some of the stuff was. needed. No, barely. Barely. >> I'm in like the shoes is the only thing. that I can like. >> Yeah. A couple things. >> like cuz our dog, she is aing menace. I. love her dearly, but she's a feral. child. So, >> okay. Well, we owe $990.33. on a Sam's Club card, which is maxed out. with interest acrewing. Takes 3 years to.

pay off with minimum payments only. without purchases. And I'm sure when. there's the ability to purchase, you'll. do it. >> Yeah. Uh, you've had late fees this year. about two. >> Oh, I didn't know that. >> Why? You're the one that manages the. finances. You're the special finance. >> Yeah, I didn't know there was late. payments. >> No, this year. >> I didn't know. >> So, the one that. How is there any chance if the one that. is managing the finances doesn't even. know about the late fees? >> Well, I mean, sometimes it's like I have.

it set up on autopay. >> Yeah, you probably didn't have enough in. your checking account. >> No, probably not. That's why. >> I probably have a lot of like. >> What are we doing? >> Don't make me lose hope here, guys. What's Indigo? >> It's another credit card. >> Yeah, but like what's going on? >> Um I That was one of the credit cards. that I took. >> It's over It's over the limit. >> Yeah. >> What the are we doing? $7541. limit. 700 fees. Prestige V. Oh, Uber Eats. We're Uber.

eating on a credit card that we can't. pay off that is getting fees cuz we're. not able to pay on time and is acrewing. interest. You what are we getting on. Uber Eats? Off. >> I sometimes I'll get lunch AT WORK. >> NO. PACK AING SANDWICH. >> I know. I need to. >> That's it. It's easy. It's simple. It's. basic late fee just so we can order Uber. Eats and getting vacant smoke. Is that. you? >> I will say I Dude, what the is wrong. with you? You're trying to die. You. don't do anything and you vape all day. What aing joke. Two years to pay off if. you don't purchase, but you do on Uber. Eats. What a joke. And he was mad on the.

phone call with Colton when uh Colton. was asking what you Uber eat. Pisses you. off. >> It just seems stupid when she spends a. bunch of money on groceries to take a. >> Well, I have to wake up at 4:00 in the. morning. >> Oh my goodness. I don't give a sandwich. the night before. Shut the up. What? What? Shut Shut up. Be an adult. I don't. give a [ __ ] You live with your parents. Shut up. I don't care. That's a dumbass. excuse. I don't give a Make your. schedule switch around when you're Oh my. gosh. So, you've had a late fee every. month this year so far in this car.

Yeah, probably. >> That's a joke. It's a pathetic joke. Pathetic joke. Pathetic. joke. >> Well, I mean, I'm the only one making an. in like an income, so it's hard to pay. all the bills. >> Yeah, but you're Uber eating on the. card, so no. [ __ ] off. It's at a 35.9% interest rate of death. Kill me now. Milestone.

What's going on? >> Another credit card I had to take out. >> Yeah, but now that I know we're doing. Uber Eats on it, the had to take out. What are we talking about? Had to take. out. You didn't have to do Uber Eats. $675.31. on a limit of 700. Minimum payment $47. Oh, closing into minimum. I didn't write. it down. Minimum for that is 80. So, these are starting to stack. Oh [ __ ] I. didn't write down the Sam's Club one. either. Okay, Sam's is 40. Okay. And then again with the milestone.

card. Great. Fees interest. purchases. Two years to pay off. AND IT'S ANOTHER. RUBBER EATS. PULL UP your Rubber Eats. now. >> I don't have my phone with me. It's in. my purse. >> Yeah. >> Let me see. Let me see. >> I'm [laughter]. >> Yeah. Yeah. Youring turn, dude. McDonald's yesterday. >> Yeah. Mc McDonald's yesterday. McDonald's breakfast yesterday for $20.

Well, and then two days before that, Gran & Berry. Two days before that, Gran. and Berry 26 2658. The Jersey bikes. One. day before that, OH, THE CHIPOTLE, THE. MCDONALD'S, THE TACO BELL, MCDONALD'S, MCDONALD'S, MCDONALD'S, PANERA SUBWAY. OH. OH, you even celebrated 911 with Panera. Slate on every month this year so far. Is this another indigo or did I Yeah, it. is. >> I have two of them.

>> Is happening here? That's over the. limit. >> Yeah. >> Is there Is there hope here, ladies and. gentlemen? There must be. Listen, I I'm. going to put you guys through our master. your money series where you got our. master your debt, master your investing, master your budget, master your real. estate, everything you'll need to know. in the world of personal finances. I'll. put you through it for free. Caleb.com. for you guys obviously, but and it comes. with the dollar wise budgeting app. premium version as well. Um, but you. guys got to start learning the basics. cuz this is a disaster. The Uber Eats is. insane. The lack of budgeting, the not.

knowing about late fees, insane. Insane. You have, you are taking the classes. together, guys. It is not an option. Take them together. It has changed tens. of thousands of people's lives for a. reason. Please take the quizzes, go. through them, be very intentional. It'll. take you hours because it's literally. five classes. Five extensive, very. detailed, made by financial professional. classes. with me as the face invoice, but it's. okay. Okay. Fees. Oh my gosh. Yeah, it's fees.

and interest. Okay. So, let's see. Yeah. 565 12 on a $500 limit with a payment of. $40 is due late uh half the month this. year at a minimum. 30% interest. over the limit. What an insane. Okay. Quicksilver. Who's is this? What's going. on? >> All of the credit cards are mine. Oh [ __ ] yeah. You wouldn't go get a. job. You're a piece of [ __ ] Yo, 508.94. on a 500 limit with a minimum payment of.

25. 3 years to pay off if we don't. purchase. I'm sure you do. There it is. You did. 68 bucks. [sighs] Let's see. what we [snorts] got. You went into. Kroger and spent on a card that was max. >> I don't know what I went in there for. Probably groceries. >> Do you Uber Eats every second of your. life? Sometimes Uber Eats and then I. look and it's almost every day. It's. every other day minimum interest fee. You're late half the months this year so. far. What a joke. 30% interest rate.

Credit one. Who is this? Or what's going. on with this? By the way, credit one. Worst of the worst of the worst of the. worst. If you have this, you're the. worst credit card person ever. imaginable. >> Yeah. >> Shocker. We're over the limit. You owe. 4736. Limit 450. Minimum do 90. Well, usually 60, but you pass through. 30. No, normally 30, but you pass. through two months. Why? Yeah, pass. through every month. You're late every. joke. What a joke. What are we doing?

Why wouldn't you want to step up and at. least get involved in the numbers? I. understand you weren't working and being. a piece of [ __ ] but you're home all. day. Why can't you sit down and look at. [ __ ] Huh? She says she had it handled. Why'd you. say that? >> Because that's objectively incorrect. >> She says she had it handled. Well, that's cuz he won't take any part in our. finances whatsoever. >> Blame, blame, blame. None of us are able. to say, "Yeah, I up.". >> You know, I should be more involved and. that's kind of why we're doing this. >> What a joke. Mattress firm. So, you go. through one a month,

>> I mean, hey, you know how I got this. [ __ ] fat, Caleb? Every time I Your. mom, she makes me a sandwich. That's how. I got thising fat. So, if we want to. keep going with the fat jokes, we can go. there. >> She is way out of your league, my. friend. She would never touch you. I'm I. mean, are you sure? Cuz I was dating my. buddy's mom's in high school. So, like, what'sing you? Well, that's very weird. of you and your buddy's mom. Listen, I. haven't posted a picture of my mom on. social media, but I did post a picture. of my dad and theing chat lost their. damn minds and gooned. So, they're out.

of your league. $2,68. owed on here. $71 minimum payment. 3. years takes to pay this off. Is there deferred interest happening? No, it's interest free. >> Okay, then if there's no deferred. interest, then I'm not freaking out. about that. Oh my gosh, this Target has. to be this. text I've ever seen in my life. $2953.

$2953. It's up cuz you purchase and then fees. Oh, you guys can't do anything. Both of. you are a complete disaster. You can't. do anything. 41 is the normal minimum. payment, but we had a late fee. Who's. surprised? You guys can't do [ __ ] Okay. A regular Capital One. My gosh. And with $44.72 of purchases. Why? $286.84. Oh, down here. Limit 300. Both your. credits must be destroyed. $25 payment.

Uber Eats and Door Dash. Hey, pull up. your Door Dash now. >> I don't have the Door Dash app anymore, >> motherucker. >> I don't I don't use Door Dash. We're. about to check that cuz I'm pretty sure. she still has it on there cuz I'm pretty. sure I saw a Door Dash thing come. through literally the other day. We're. late. We've been late. Let me see here. >> And it's destroyed. Oh, so you deleted. that [ __ ] before we came over here. You. know what? Let me in both y'all's phone. real quick. Zena has Apple Gear Plus. That's okay. But then two Apple Gear. Pluses, iCloud Plus, that's fine. Lose.

it. You do not need to pay $40 for. weight loss. What are we doing? >> I don't pay. >> Just get get What? Yes, you do. It's. right there. You t It's literally right. there. And you also just signed up for. it this month. >> Or you signed up for a year ago. I don't. know. >> Um. well, ad block, but you cancelled that. Apple Care's. Okay. You pay for GPT. I. love GPT. It's fun. It's fun. >> I I use it to like make my resumes when. I was when I was applying. >> Oh my. What a joke. >> Well, I mean like if you look at. >> iCloud Plus. Listen, but you just can't.

afford [ __ ] I'm glad you at least. canceled Discord. I think that's all. your debt. We have negative86.36. in our checking account. >> Yep. >> What is happen. then? Why does this page exist? Cuz if it's highlighted, it's [ __ ]. or potential [ __ ] Why does this. page exist if we're negative $86 in our. checking account? Why? Why the possibly. barbecue, Velvet Taco, Bojangles, Amazon, Amazon, Apple Bill, Amazon,

Brahms, Waterburg, Apple, Amazon, Costco, uh, well, Costco, maybe that was. groceries. Maybe it's not. It's kind of. cheap, so I don't know. Torrent, Apple, Amazon, McDonald's, POP [screaming]. SHELF. GET SOME [ __ ] GET SOME [ __ ]. GOING in and getting some [ __ ] from. Q2, QT, Amazon, TJ Maxx, MCDONALD'S. [ __ ] MCDONALD'S, PAYPAL, PAYPAL, Apple Bill, Apple [ __ ] You stopping. in 7-Eleven to get some [ __ ] $3.79. probably energy drinks, right?

>> Yeah. >> Yeah. You're making them at home with. gamer subs now. 35 cents a serving. Apple my booster. There's not anything. on here that is necessary. We're. negative. >> The pirate ship is like what we use to. ship out our orders that come from the. jewelry. >> Cancel it. You don't know what you're. doing. Amazon signic Dutch Bros. PayPal. PayPal. And more distribution. He hto. Hto. Apple bill. [ __ ] McDonald's. [ __ ] [ __ ] Actually, that one. was gas. I'll get you that one. National.

Enterprise. Pirate ship. Panda Express. [ __ ] Mexican. Amazon. Amazon. It. keeps going. Fine jewelry. $218. What are we doing? >> No, that's for his business. >> Shut the up business. You don't like gay. jewelry. >> Yeah. Pirate ship flat wearable apple. chewy pawn pawn 380 pawn Dutch bros. >> Your guns.

withdraw was rejected. Taco Bell going. into some BS. Mr. Dumplings vape and. smoke. McDonald's gems. Oh, it keeps. going. And yet we're negative. You guys. are morons. You guys are uncontrollable. You guys are living at home with your. parents. Pathetic. Taco Bell, PayPal, Taco Bell, Apple, Apple, McDonald's, Brahms, Apple Bill, Dutch Bros, Sushi, Amazon, Waterburger, Pirate Ship, Apple, Tik Tok, Sam's Club, McDonald's.

[ __ ] Bull. It keeps [screaming]. going. Oh, which are all rejected yet? We're going and getting [ __ ] every. day. Multiple times aing day. Chick-fil-A. Chick-fil-A, PayPal, Duncan. [ __ ] [ __ ] Duncan, Apple, Apple, Amazon, Taco Bell, Pirate. Ship, Apple, R. Oh, THAT WAS GAS. PAYPAL, APPLE. [screaming] IT KEEPS. GOING. Taco Bell, Apple, Apple, Apple. I. don't know what you're getting with. Apple, but you're Apple paying. constantly. I would have to look through. that, but I bet it's all [ __ ] cuz. I'm sure you're somewhere. Another. withdrawal rejected. Who would have. thought? [ __ ] Taco Bell, Duncan,

Amazon. What a [ __ ] joke. And that's. it. I don't see retirement. I don't see. savings. You guys are done. No, there is no way. I'm going to try to. budget this, but [laughter]. with your behavior. Woo! Good the luck. $6,000. Do you have to. pay rent or utilities to the household?

>> We do. Uh, >> what? How much? >> We pay 800 a month. Is there not like a cheaper one bed. place you can live in that small ass. town? >> No. >> No. >> debt payments. Let's figure this out. Good luck. Your minimum monthly debt. payments alone, which by the way, you. $1,855. [laughter]. What's your phone bill? >> Uh 216.

>> 216 or 260? >> 216. >> Tell them why. >> But we also I don't even give a. >> Oh, it's important. >> We also pay his parents' phone bill. >> Die, die, die, die. She's the one who. chooses to pay. Die, die. >> How do groceries work in this household? >> Uh, we buy our own groceries. >> $600 for groceries. Use the meal plan. Gas. Vroom. Drive. I know you guys drive. far. How much for each? >> Like. >> I take about 40 40 bucks every two days. [screaming].

every two days. >> When I'm when I'm actually working ON. AVERAGE A MONTH ON A MONTH, HOW MUCH IN. GAS, [ __ ]. >> I think probably like 500 a month. >> Both combined? >> Yeah. >> Car insuranceances? >> Ooh. Um, our car insurance is very expensive. >> How much? >> It's $636. >> $150 TP fund. Anything else to survive? Are there co-pays for medical things. we're doing quite often? How much a. month? >> $100. Is there a gym? >> No, obviously.

>> Uh, subscriptions. I will try 40. You. have pets? >> Yes. >> Yeah, that's right. The dog, right? Just. one. Two. >> Ages and health. >> Um, one of them is a year old. She's. perfectly fine. >> Other one. >> Um, he's six and he has IDD. So, he. >> I don't know if that qualifies. I'll at. least get $50 for pet insurance. How. much for pet food? >> Uh, 70 a month. >> Anything else that needs to be in your. budget that's not going to work? Uh, I. don't think so. Do you think? Can you.

think of any? No, probably not. >> Yeah. I mean, you guys still have a. thousand left over. Will your parents. not Will will your parents let you live. there for free for a second? If what? Under under the only agreement that they. allow you that they only do that if. you're getting your [ __ ] together. >> Yeah. My dad has said that he would uh. not charge us rent. >> Hey, we got an extra 9.82 a month. Well, let's take away that 800 as well for. rent. They give us an extra $1,782 a. month. No [ __ ] spending, no nothing.

Your guys' debt is ruined, destroyed, kill me. It's horrendous. Yeah, this is your behavior. Like, if. there's any indication, like this is one. of the most disastrous behavioral things. I've ever seen in my life, which is why. I'm like, the [ __ ] luck, guys. But I. mean, yeah, I mean, you can take care of. it. You can take care of it in about 3. years, which is not that bad. It's fine. for most adults on this show. go work, get, you know, put in some time for. school, get some extra money on the.

side, then get a better paying job, get. some raises, get a better paying job, work on moving up in career. You can. probably pay this off in two and a half. years, but it all comes down to behavior. change. And nothing in here shows any. behavior change. Use the dollar wise. app. Good luck, guys. Then get a fully. funed emergency fund. Then you need to. live 50 30. Maybe go out uh and live on. your own, but you got to at least start. contributing 20% to retirement once we. have that sixmonth emergency fund after. you pay off the debt in two and a half. to three years. But that's it. That. relies on behavior change. So, I don't. know. >> I did just get a second job, too.

>> Well, good, cuz that'll help speed it. up. But none of that matters if we don't. blow all of our income, which is what. you guys do. Join us in the post show. Oh, let's get the Hammer financial score. first, though. Spending in a budget, overspent, debt, IRS, 0 out of 10. Emergency fund, nothing, 0 to 10. Retirement, nothing. Okay. Hammer. financial score, easy as it gets. 0 out. of 10. Click that join button for an. extra 20 minutes of this episode. There's always extra hidden things that. we'll talk about with the producers and. three premium shows posted every single. day Monday through Friday. I'll see you.

there. >> No, you lost your old apartment. You own. of them. You owning apartment. >> I think it's kind of that I only knew. about a few of those credit cards. >> You've known about a few of them. >> A few is not all of them. >> Oh, what is this? We're doing the whole. schoolyard thing. wipe that stupid smirk. off your face and you just. >> your hairline grows back. >> We for real. >> The only reason you're yelling at me is. because there's a room full of people. >> Yeah, cuz it's the only time I feeling. safe. Normally I argue with aing table. in between us cuz you'reing crazy.

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