They're So F*cked | Financial Audit

How long have you lived with the. ex-husband? I mean, we're not even. legally divorced technically, but. >> have you guys been dating? Maybe I don't. even know, honestly. You're getting. cocked. You do let everybody walk over. you. You get steamrolled and you don't. give a No, I don't. The. >> You're a mother of four. It's. unacceptable. It's inexcusable. It is. disgusting and it is pathetic. >> My opinion You just said you don't give. a If you say you don't give a but you're. a mother, that is disgusting and. unacceptable. >> All right, I'll go over it. Who said. Dollarwise is finally here, sending. waves through the personal finance.

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below. Hi, I'm Emma. I'm 31 years old. I'm. Brian. I'm 31 years old. We're from. Sacramento, California. And this is. Financial Audit. Guys, we're the same age. Yeah. I believe yeah, I'm 31. Do they look older than me? I just need to make sure because you. guys look 40. I didn't try to hurt your feelings, but. I'm just like I'm like questioning, do I. look that old? I get that a lot. I think. it's the beard and the tattoos. When he. doesn't shave, it gets gray on the. sides. >> yeah, that's okay. That's it. Okay, very.

good. Now, it's Brian 31, Emma 31. I was reading a note as you guys were. doing the intro. But. are are we not missing someone? >> [snorts]. >> There's like an ex-husband or something. who's very much in this picture. Yes. >> Financially, yeah, a lot of our. >> Financially and living. Yeah. >> And I guess your parents as well. Where. are they? This is like a a. tr-. What is it? A thruple plus parents?

>> Not really. Not not really necessarily a. thruple. Well, we all do live together. Well, first of. all, her living with her ex Are you guys. married? Yeah, it's a weird really weird. situation, so I would say so. Yeah. The. [laughter]. ex-husband's. are all intertwined into these finances? Yeah, it's all pulled together. What the. Yeah. What the actual. May I ask, what the. What is going on? I just got to know. there. Just reading that blew my in. mind. How are we even living that? First.

of all, first of all, just living new fiance. living with ex-husband, weird. Two 31-year-olds living with ex-husband. with their parents, weird as. Save money. Well, save money, sure. Well, this wouldn't be the case. One of. the thickest stacks we've seen in. a year or so. So, what the is going on? This ex-husband, what the I got to know. the baseline here before I get into the.

numbers. Uh. he I guess just we can't really afford. to be on our own. We can't afford to be. on your own. Huh? Probably why we're here. That is. certainly why you're here, but I'm. asking what's going on with the. ex-husband. That's weird as living. with him. I Having the finances. intermingled. How long have you lived with the. ex-husband? I mean, we're not even. legally divorced technically, but How. long have you husband dating? Oh, 3. years. How long have you How long have you guys. been engaged? Oh, I.

don't know. A year? Maybe a year. >> know, honestly. You're getting cocked. >> [laughter]. >> Yeah, I know. It's just it's really tough. situation. What are you doing about it? You okay. with it? What? Yeah, what? Yeah, that's the. thing. That's why I got to you know, get. a grip on my finances so we can get out. of this situation. Is that what it is? Yeah, I'd say so. For the last 4 years. you've allowed it? Yeah, well I mean we. do Are you sure it's the finances? >> We do live in a separate like trailer on.

the property though. Wait, wait, what what is this? What is. the situation? No, someone explain it. >> So the kids, they live in the house. >> There's kids? Yeah, there's four. >> There's children? There's four. Of. yours? Uh they're all mine, but only. their two of them Two of them are mine. So you you reproduced with this one. before leaving the last one? >> Yes. Yeah, pretty much how it is. here. Yes. In that aspect. >> What is this? >> It's not that bad. It's not that bad. What? Do you see this stack of paperwork.

in front of me? >> be a little You're but Huh? I said it. could be somewhere like. >> mean you guys could all be homeless. together. Well, yeah, that'd be. but That would be and were many. people in this situation. Sometimes you. lead to it. Listen, 50% of the. homelessness in the United States that. occurs on a yearly basis is due to. mental health and drugs. That gives. There's another 50%. that is out there for a a wide amount of. categories. 10% or so is about losing a. job. Another 10% is getting evicted. That's.

where you guys could be headed. That's. about 20% of people. You lose a job or. get evicted. You got four kids. Four. kids is the last two with the other? Yeah. We have two twins together. We got. twins together and then the two from my. ex-husband. Okay. Wow, okay, your eggs. go crazy. Yeah. I I got told that. You got told that? You didn't just see. that for yourself? You needed to be told. [laughter] that? It happened twice. And. now we know it. Okay. What What is the I mean we're. we're planning on moving out once we. were looking at houses and then You're. looking at houses? Well And then what?

Uh we ended up going on a couple trips. and then the money kind of got blown. So. why the That's Do you want to move. out or not? We want to move. out. I mean But you went on trips. instead? Yeah. What trips? What trips? Where Where are we going? What's the. What's more important than moving out. for the sake park? kids, by the. way. We spent like $1,000 on VIP. tickets. >> get out of. Better life. I mean, yeah. Well, better life. >> good life. Better life.

Yeah, so. >> Okay, listen. It's a stereotype. It. doesn't apply to 100%. Most stereotypes. don't, but most stereotypes exist for a. reason. They are in a trailer park. It. usually doesn't constitute the best. life. It usually doesn't constitute the. best. future. So, more opportunities. Usually trailer. parks aren't in the best school. districts, either. No, definitely. probably not. Especially in Sacramento. I don't know why you got an opinion on. it when you're just spending it. Yeah, well I just.

>> When you're what? Just spending it. Yeah, I blow a lot of money just on like. stupid all the time. That's my big. problem. You guys aren't even engaged. How are. the How are the finances What are the. What do they even look like if the. ex-husband's intertwined? What is like. the state of What the He helps pay. for like the kids' stuff and Well, he. should. He is papa of two of one of the. sets. But, what what do the finances. look like? You guys are engaged, but you. are still married to someone. What do the finances look like? I need.

an answer. I need details. >> to be honest with you, and I don't look. at the account unless it bounces. >> And a lot of the time she'll tell me. that we have, you know, more money than. we do or that we don't, you know, I can. spend more and when I can. >> Well, you don't care. You spend it. anyways. >> [clears throat]. >> Yeah, cuz like I got to eat every day. when I'm at work and I'll order on. Amazon all the time. More than that. Yeah, a lot more than. that, so. But, when it comes to the finances, I'm. not sure exactly how bad it actually is.

Either. I send you screenshots. constantly, so I don't know how you. don't know how it is. How are you. sending screenshots constantly if you're. not looking at your accounts? I'll fill. the form out. What? >> don't look at the bank account. For. sake. Okay, so she sends you screenshots. constantly. So, what the A lot of times. I just won't care, I guess, or You don't. care? >> not that I don't care, but. >> You just said you don't care. Well, you. know, it's more that I I Yeah, if I just. want to spend the money, even though I. can't, which is. why I've maxed out a bunch of credit. cards.

Okay, so again, the state Let me. summarize. Am I understanding this. correctly that the state of the finances. is you do not look at the accounts. unless you bounce, but you sometimes. look at the pay and force of what you. send screenshots to him, and he says you. let him spend more money than you have. because I guess you need to be coddled. like a baby, but. why do you need to be coddled like a. baby? Why can't you check the see if you. can spend more money than you can? >> that I'm coddled like a baby, but it's. just like I don't pay attention to Why. do you rely on her, though? Like she. says I can spend more than I actually.

can. Why the Why is that even the. reality of the situation? It shouldn't. be. No, no, it is, though. It is. I'm asking you, then why, guy? Why can't you just look. at your own? Well, he. because you don't understand money. I'm. going to be honest with you because you. grew up with it. No one does for a. while, and yes, he sounds like. Ray Romano, but. that doesn't mean he can't understand. anything revolving finances. You're 31, you have access to every resource that. has existed in this world. It's not even.

that. It's It's more of he grew up with. way like all everything handed, not one. thing not handed to him, like Okay, good. So, he doesn't know. So, that limit. Yeah, but you're 31. You're not 21. Yeah, but I spend like. I'm 21, I guess. Well, that's a joke. That's a pathetic joke. Yeah, but it's I mean, you know you got. kids, right? Do you remember that? Yeah. We're going to have to take care of. them, though. They got you know, whatever they need. >> you know? You don't even look at the.

finances. Well, yeah, not not. necessarily. What is that dynamic here around. finances? What is going on? Cuz it. already seems like I mean you're calling. him out on but also I mean you. told Colton you're the organized one, but you also just told me you don't like. to look at your accounts now. So, that. is contradicting versus what you told. Colton and me. There is no organization, I'll be honest. Then how are you the. organized one when you told Colton that? Or are we just saying. >> in a bad situation. Well, I mean, yeah, if neither person is at.

all willing to look at the finances or. being adult, yes, we would be bad. I. feel like I'm an adult. Well, you make both of your husbands put. your paychecks into your account. >> Well, if he wasn't spending what, like. more than a thousand a month on. collectible crap, that would help. Yeah, probably about Thousand bucks a. month on collectible crap? Like that. that's on you? >> Well, like. >> Well, what are we talking about? Yeah, probably Tchotchkes, like. >> pins or figures or Figurines, like a.

five-year-old. >> Again, the kids, are they not more. important? I'm so confused. You give. them a better life. You want them to. grow up in a trailer park. No. No. We. both agree no, yet we do nothing to make. our life better. Ages of the kids? Uh. the twins are 15, almost 16 months, and. then. >> Months, okay. the um older kids are four. and five. But they're twins. Are they four They're. four and five? >> they're No. >> She's talking about the older kids. >> The older kids are not twins. Oh.

>> We got two one-year-old like. 15-month-old twin boys. And then the older boys are four and. five. >> Got you. Listen, so the four So, the. five-year-old probably just started. kindergarten, right? Probably want them. in a better school district. You guys. are doing absolutely nothing to give. them a better life. Better life. I'm not saying their basic. necessities aren't being met, but even. still, they only are until they're not. Again, people become homeless. constantly. People lose jobs. People. don't have emergency funds. People get. evicted. Pretending like that'll never. not happen to you is what happened to. the people that it happened to that they.

didn't think would. There. Yeah. >> What? I feel like I can get What? Oh, your husband will bail you out? The husband that's cocking your fiance? Yeah, well. I wouldn't say that yeah, I wouldn't say. that, but. >> No? No. >> The other man wouldn't bail you guys. out? >> No, cuz we're self-employed. Yeah, he's. like bad teeth and stuff. Well, I mean, I guess you all live in the same trailer. park cuz you usually not known for the. best finances. >> in a house. >> Oh, no, no. So, we live. >> Huh? There's a there's a house on the. property and then we live in a we live.

in a trailer on the property. His parents own the house. So, the kids live in a physical, you. know, >> So, you guys are subsidized? Yeah. And yet you still. What do you do for a living? I'm a. retail manager. And then I What does that entail? Managing. people at a retail store. >> [music]. >> What kind of store? A box store. A big box store. And they allow this?

What do you Your aesthetic? Oh, yeah. Septum piercing, yeah. And the goth and the. >> Yeah. No, they do. Big box allows that? >> Yep. And it's that spirit, Halloween. It. is not the dollar store. >> No. It's a major one. The dollar store is a. major one. Mm, not anymore. Uh, you'd be surprised, rural. Uh. Okay, and what do you make? Well, good.

for you. Good for you. I'm glad they. allow that. Sacramento. Sacramento, baby. I'm going to be honest and say I. don't I think 15 Third? Oh. Just me. every 2 weeks. So, what, 3,000 a month? You were going to be honest about how. much you made? Yeah, I would hope so. I. thought you were going to say you don't. know. >> I don't Well, I don't. Well, why didn't. you say that then? I'm rounding. Up or down? What's your actual income? You What the How can we pay our bills if. we don't know our. What is wrong with you? You don't know. your pay? No. How? How is that possible?

Are you hourly? Yes. So, you're not a. GM. You're a low-level manager. >> Yes. What's your hourly? I don't think she knows. I don't. 24. But you don't know. No. You don't know your hourly. >> No. You don't know your That's insane. >> That's insane. How How can you not know. your hourly pay? How are you accepting a. job without knowing your hourly pay? >> I I've I've been in the I've been in the. same store in the same company for like. 10 years. So, I. >> matter, and it also shows a severe lack.

of ambition if you're capping yourself. at 24 in California. >> me to be up higher, but I don't. I don't want to take the responsibility. on it. >> They want her You don't want to give. your kid a better life? What is wrong. with you? I don't understand. >> with the kids, and I feel like if I go. higher up, then I'm not going to be able. to. >> What's the higher up? Well, salary in. the same company. What's the job? Like. assistant department Like assistant. general manager is pretty much what they. wanted her to do. And what would that. entail hours-wise? 12 hours a day. >> 12 hour shifts How many days a week?

Five. Five. Yeah. Okay. That's a lot. How much would you make? Uh from what I've heard from other. managers, only like. 400 more or 300 more a paycheck than. what. >> You don't know your paycheck? I don't. We've had people in retail. We've had. people in retail, managers in cheaper. cost of living areas that make 60, 70, 80,000 dollars a year. There is an. actual No, there's a career there. You. have to go there to continue going up. But Okay, you want to be with someone. who literally has. just as chill making California minimum.

wage for the rest of her life. You guys will never get anywhere. California's too expensive. Sacramento's. too expensive. It's insane there. Yes, but I no longer have sympathy if. we're literally not. accepting. pay increases. Well, she needs to. promote. That's what she needs to. >> I want to spend time with the kids. That's my problem is I Well, you will. spend time with the kids, but yes, you. will be doing some sacrifices. You'll. still spend time with them. We just need. to promote them. He makes more money. I. spent a lot of time with my mom. >> you. >> I have spent a lot of time with my mom.

I was very blessed to spend a lot of. time with my mom, but she spent 3 years. doing night classes and a lot of crazy. things for her nursing degree. Those 3. years I'm not sitting here cutting. myself because I saw less of mom. I. still saw a ton of her throughout the. rest of the life, but it completely. dramatically improved our household. situation and gave us opportunities. Where we were getting foreclosure. notices on the house. I think your. children, especially at this age where. you could put in a couple years grind. there and hopefully move up to a more. reasonable but better paid position. For any kind of you'll have no career.

trajectory if you don't do anything. I'm. okay with that. And are you okay with. that? Cuz you're allowed to be okay with. that. Sucks for your kids. I'll be. honest, it really does, but you're okay. with that. Your spouse? What do you. mean? $24 an hour in Sacramento, Lindsey, right? That's. Yeah, that's Okay, she's our local. Californian. And night. Californian. Californian. So, yeah. No, I would feel bad for four. children at $24 an hour. Yes, I would. How many hours a week? 20. Yes, I would.

feel bad for those children. You're okay with this. This is your. fiance, kind of, not really because. she's actually married, but Okay. No, I. mean we need to both make more money, especially. >> Nope. Nope. Wasn't my question. Wasn't. my question, You're okay with. this. Your partner having literally no. ambition if not negative. I wouldn't say. she has no ambition at all. >> She just said she has no desire to make. more than that. >> I don't not have ambition. I just. >> What's your ambition then? You're not. taking promotions. What the are you. talking about? What's your ambition? To.

be a mother. She wants me to make more. money so she can stay home with the. kids. That's what I. >> what you want? You want trad wife? You. guys don't look like trad wife. I mean. >> Stop shaking your leg. I'm sorry. Yeah, I mean I I want to make more money. That wasn't my question. Are you okay with the traditional. relationship that she is proposing? Yeah, I'd be fine with it if I could. sustain it, but I mean I don't make much. money. >> That's what you want. You want her to. not work. I mean I'd be fine with that. If I could if we could do it, but I mean. I don't know how how we're ever going to. do that. What, are you cucking in every.

instance of your life? Are you just. passive? You don't care about anything? No, I care. >> no opinion on anything. On her lack of ambition, or what she. wants to do, not bringing in income, you. having to put all the labor on your. shoulders. No, I think that she if she needs to. promote, she needs to be able to make. more money. Well, that just completely. conflicted what you just said you're. okay with her staying at home. I mean I. guess I'd be all right with either one, but. You're kind of a beta. Like in the most literal sense. Like not.

not red pill Like you're. kind of a little Aren't you? I'm. not a You know, it's not like. that. >> Really? Yeah. You have no opinion. Well, no. She needs I think that she. >> You let her roll over you, and you're. okay with that, and she is still married. to another man while you've been dating. her for 4 years. Well, we're taking care. of that. >> willingly. She is Okay, 4 years though. Yeah. 4 years. Could have done the. paperwork sooner. Yeah, you could have. done everything. You do nothing, and. he's okay with it. What the.

No, I didn't Yeah, so we I do think that. she needs to promote and make more. money, but. Like I said But you're also okay with. her staying at home. I mean if it came. down to it we couldn't I know it's. Pick a path. Yeah, pick a path. Have a. backbone. Yeah. You always let people just walk over you. in life? No, I don't do that. I mean. You don't do that. No. Ah, tell me ghost. lady. >> No, dude. Like you you do let everybody. walk over you.

And maybe that's a problem I've had. I. don't really see it. >> And he just let her walk over you. Did. you see that? >> [laughter]. >> You won't. You're a No, I'm not I'm not a. No, like It's not like that. I mean, I don't normally let people just. walk all over me like that, but. Not like outside of. >> But she says yes. Is that what she said? Yes. >> Yes. Well, I wouldn't say that's true. Examples? Friendships and stuff. You let people. just run you over. Oh, yeah. >> Financial situations. You know, spending.

money on other people even though. there's nothing to do with you. Where. all your paychecks went before we got. together. Yeah, I used to blow money on. all of my friends and And then. second I stopped doing that, a lot of. them were gone. So, yes. I guess I have done that before, yeah. So. Even being here, he. um. he applied without telling me. He what? He applied without telling me. Okay, why'd you do that? Cuz she would shut. you down? Um yeah, I was I was afraid of. her saying no and coming on the show cuz.

it's. um. you know, it's it's so bad how you know, finances have gotten so bad. I figured. we needed help with it. I didn't know. how she'd take it if I applied. Uh-huh. So, then I applied to be on the show. >> No, you thought it was funny. Well, I. thought it'd be funny to apply. I didn't. think I was going to actually make it on. the show, but. I also knew that we needed help. Yes, obviously. But listen, the dynamic part. of the or the dynamics within the. relationship is a core thing here. And it's weird. You won't look at the. finances yet you say you're the. organized one. You let her give you.

permission on what to spend and then. it's completely. And then she's literally not willing to. make more money. Not willing to. You. want her to, maybe, but you're okay with. her or not because you don't care, I. guess. Like the dynamic is. And again, she is literally married to. another man. Yeah. >> You guys all literally live together. It's. weird, guys. It is weird. Yeah, I mean, it kind of I guess it doesn't really. work if you look at the finances, but we. made it work for the most part. Really?

Not really, I guess. You sure? This is. insane. >> sure that's not making it work. >> Yeah, Marilyn Manson disagrees with you. No, there's a little I'm not even sure. how much we have in debt to be honest. with you. No, I don't know either. Really? Take a. guess. So, with the car loan. maybe 30. Wait. >> [laughter]. >> Okay, I don't have the angle here. because With the 500k. >> I I don't have the angle that Colton. does. Mhm. So, Colton, can you take a. picture of your angle? Look at me,

everyone. Look at me. And let's let's. put this in. Let's let's put in Colton's. angle from him. >> Mhm. K. Okay, that's on screen now. He's telling. me that you keep kicking him under the. table. Is it when he's saying things you don't. want? I don't Why why do you keep doing that? I don't know. What is happening? What is this. relationship, guys? What is that. dynamic? I'm so confused. What is. Why are you kicking him under the table? >> not embarrassing.

So, I'm not embarrassing. You suck with. money. So, you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because. it's way too complicated to use. So, you. go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money, they got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. Then there's the new guy. on the block, Monarch. Hundreds and. millions of dollars of private equity.

raising so far, but private equity. doesn't have the best track record when. it comes to private data. That's why I. like DollarWise. Built by these people. just like you, poor people just like. you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. dollarwise.com link in the description. below. That's kind of stupid, I'll be honest, but what's not is. actually getting a checking account that. gives you free money. Free money, we. like free money. You can get up to $350.

in bonus cash right now when you sign up. for the checking account that I use, Chime. Also, it makes your savings grow. at a 3.5 APY interest rate. Guys, you. can watch Financial Audit and get free. money at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Chime. Get that $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. WHAT ARE YOU. TALKING ABOUT? What does that even mean? I don't know. What's being embarrassing, him being a I would agree. She. gets real bad anxiety there.

Does she kick when she's anxious? Well, she gets anxiety, she tries to. manifest that on everyone else with her. Are you serious? Well, not like that, but it's like yeah, she gets real bad anxiety and then I. think we should put some headphones on. her. I need to talk to this man without. his fear. of someone else because I think you're. just Just say what you want to say. Just. say it. And we're going to put some headphones. on you and we'll play your favorite.

scream out music. Any specific? Cuz. [snorts] I only listen to Broadway. >> [laughter]. >> Broadway it up, I guess. Like in part one, not part two, though. Good. >> [snorts]. >> Stupid. Am I Can you hear me? Marilyn Monroe, can you hear me? Can you hear me? Can you hear me? Okay, very good. Listen, guy. You're very passive. What is actually. Tell me Tell me in this dynamic.

this the dynamics in this relationship. cuz you are very clearly passive. This. is your chance to be honest and tell. your side. This is it for the entire. internet, for me, for. in this story, what is going on with. you? Cuz you you're getting cucked by a. guy legitimately. You literally just allow her to do. whatever and you do not care. She tells. you what you can spend and it's wrong. What the is happening with you? Well, when it comes to the finances, I. guess the problem is is I just.

>> Everything. There is a dynamic that is. weird, man. What is going on? I want to. move out, but I I want us and the kids. to move out, you know, be on our own, but I can't do that with the amount of. debt we have. >> No, you know that's not my question. You are being pushed over, walked over, ran over, rolled over, and you are not. stopping it. What is going on? Yeah, I. guess I needed I do need to stop and get. a grip on it. What happens when you. speak up in this relationship on things. and have your own opinion that is. different? What actually happens? Well,

we have disagreements. And what happens? I a lot of the times the outcome I won't. I won't won't happen, I guess. So, So, you always lose. No. Are you. okay with this? Cuz that's. unsustainable, though. I don't lose all. the time, but it It sounds like the vast. majority. A good a good amount of. that's unsustainable for a relationship, though. It really is. Yeah. And I I want. to put together a plan that allows you. guys to have a long future together with. the four kids and beautiful family. I. want that. That's what I want. Yeah.

Yes, but that's not possible if you are. just if you have no backbone, you cannot. stand up for yourself, and you can't. What are So, in the financial. conversations, where you get ran over, what What has happened? What What are. What are the things that you have lost. on? Well, just be a. things I want to spend money on and just. like stupid though, like. >> What? She just kicked you again, I'm. being told. Yeah, she did it a second. ago. But, um. What the is happening? I don't know why she keeps doing that.

Looks like she's vibing out to that song. though, but. It'll just be on purchases I want to. make and stuff like that. It'll be a lot. of arguments, but. Yes, but tell me how it goes, because. obviously you get walked over. I'm. trying to understand Well, she'll tell. me not to do it, then we'll go back and. forth for a day or two about it. We'll. get in arguments about it, and then. sometimes she'll break down and let me. do it, sometimes she won't. Just a hit and miss on. >> Well, I feel like it might be good for. you to not purchase something. I don't. think that's fair. What about when. you've had probably the objectively. right opinion? In that scenario, I can.

if it's something that's actually we. legitimately need to do, like buying. that car, I can get her to do it. But, like you know, that was a lot of. money. I think that was 14,000 for that. All right, let's put the headphones on. him. I I want to I want to talk to her. We're We're going to pass the headphones. over. Okay, first of all, why are you. kicking at Steve? Because the way he talks is just. embarrassing sometimes. So, what are you. embarrassed He's I won't I think you're. embarrassed of him. Or is it you don't. try to control so much?

>> about everything. I don't understand how. he's so nonchalant about everything all. the time. All the time, constantly. Tell me. With. the money, with everything. Like it's. it's I feel like he doesn't he's just. there. I want the I want the pushback. and I I don't get the pushback. I don't. get. the reaction. Oh, you want the pushback. >> I want the pushback, yeah. But it's not. it's so okay. And then going and blowing the money. >> a little too passive for you? It wasn't. always like that. Really? What happened? Sobering up, I guess.

So, the moment he from what? Alcohol. Okay, so when he got sober from that, he. became passive? Yeah, which is very. strange to be the opposite, but here we. are. Has he lost all confidence? Is sober him. not confident? >> Yeah. >> And is it the sober part? Or is it just in this world you've just. seen him not confident other than. Was it just that drinking gave him. confidence, but his baseline is just not. confident? I think so,

honestly. Where Where else do we see examples of. this? Is this everywhere in everything? Yeah. With with relationship, yeah. Does that. bother you? Yes. What have you done. about it? Nothing, I guess. Besides trying to be supportive. Support with the sobering? Huh? With the. sobering up. >> Oh, yes, I agree with that. But okay, how long has that been? How long has that been? I guess it's. been worse since. we took out the loan.

for the 401k. I I don't know why it just. >> Okay, but how long has he been sober? 2 years? Okay. >> First year was not. >> So, listen. I got that, but it's been 2 years of. passive. I understand a year of grace, but if it's like year number two, you're. just putting up with it something that. you can't stand. Yeah, I guess. >> How? How is that good for you guys'. future at all? There's no way you'll be. able to make it if if this is bottling. up, you're going to explode. You're. going to explode. He is the father of. your kids, and you guys are kind of. engaged. >> Yeah, kind of.

And that's the problem, I guess, is. everything's kind of and it's just. money. He doesn't give a He doesn't give. a that you live with your ex-husband. He. doesn't give what you do with your. income. He doesn't give a about. anything. And that. And bothers you. But if he's not willing. to grow up. singular ball. >> the spend the money, but not to That's. about it. I mean. Took a loan out. Yeah, I had to take out. of my 401k, yeah. 10,000. >> Are you resentful of his behavior, of.

his lack of being a. man? >> Yeah, I guess so. I don't want to say it, but. >> Looks like a sad puppy over there. Yeah, he does. >> Oh, jeez. So, you had to take out a 401k loan to. help with his spending? >> Mhm. All of it is. So, he can't control he. So, he's. betting in every instance, everywhere. for everything. Mhm.

And then his entire cup is just. spending, of which you have to then take. money out of your 401k to help with. >> Yes. Oh, this is a disaster. I didn't. even. Okay. Yeah, this is this is a. nuclear level disaster of a. relationship. I don't think you guys. were ready for kids or engagement yet. You don't agree on finances and you. can't even stand how he acts and he. wants you to make more money but he. can't stand up for her for a second. You. honestly are a loser with your job. Let's be honest. >> You're a loser with your job. Come on,

you need to be able to give your kids a. better life than they have. and you're choosing not to in order to. spend time. I do agree with that but. listen, $24 an hour in Sacramento, California ain't nothing. That's 50. bucks an hour here. You ain't going to. do life. Yeah. You ain't going to do a. good life for your kids. You're not. going to be able to do after school. programs. You're not going to be able to. do trips with your kids. >> like he should step up with the kids, too. >> Well, maybe. I haven't even gotten to. his income yet. But step up, I don't. think step up is in this guy's life. Has. he ever stepped up? Where's the step up?

Well, for the kids, I guess. Stepped up. from that, sobering up. Well, yeah. Well, you they're 16 months old. Yeah. He's been sober for 2 years. Well, he. stepped up for my other kids, too, to to. help be there for them, even though. they're not. >> Yeah. Why'd you give up with a drunk? You have no self-respect for yourself. >> friends beforehand. >> no self-respect for yourself though. because you're okay with being with a. guy who's just a beta cuck. I. I have self-respect, yeah. >> Do you? Yeah. >> But you don't care and you're not doing.

anything to change it and not. confronting that situation that bothers. you. I. Oops, sorry. Now I kicked you. >> [laughter]. >> It's a whole. kick fest. It's a kicking game, I guess. I guess I don't have an argument for. that. Well, how quick did that 401k. money go that you took out? >> if that. >> A month? >> About, yeah. >> Oh my death. What are we doing. here? >> We paid off a car. The average hourly. wage there, which average is usually not. very good, is 36.66. Yeah.

You're over $10 under the average wage. there. Uh. >> Sacramento, what are we doing? I just, like I said, I don't care. Yeah. I. I care. >> are losers. I care. What? Then. take the promotion. Where is the care? What do you mean? Take the. promotion. What is wrong with you? They. are the age right now where you can do. it and they won't be like "Woe is me.". and have bad memories of missing their. mom that much. I feel like they would. A. little bit, the older ones, but not as.

much as if they were in like if they. were like 10 or 15. I They're five and six right now. Those. memories go away quick. And the. 16-month-old, they don't have memories. They do. No, they don't. It's you It. starts to establish memories around 3. years old. It's the memories with them. that I get. >> Your memories, so it's selfish. So. you're prioritizing your memories. instead of giving them a better life. Now it's being a selfish loser. I guess. >> Loser is an insulting word, but I need.

to be real about how I see it. I'm not. going to sugarcoat it cuz that would. also be rude in its own way. How you are choosing to do your career. in Sacramento, California is. unsustainable. It's not a career. It's being a loser. I. Because you've been offered these. promotions. You can't disagree. You can't. Okay, fine. You disagree. Why? How's it not being a loser? Because I'm. there. >> In your career. I don't know. I don't know. You're there making. minimum wage. Is it Is it minimum wage. in California? Is it like 20 an hour or. something? >> I think it's 20, yeah. Okay, you're.

basically minimum wage and you've been. given more. So. Okay. Yeah. I hope you enjoyed Wicked. Oh, there she. is. I loved it. Listen. I'm going to let you know. So, I think we have established that. you're a little bit of a. beta. I don't want to keep using that word, but I'm going to keep using that word, I. guess. I can't think of another one. And that's very important as we go into. these documents cuz there's going to be. a lot of things that we're going to have. to execute and change. We're We're to.

have to advocate for ourselves a lot of. things. What do you think her opinion is on that. on your your beta-esque? I'm not sure. what your opinion would be, but Well, that's what I'm asking you. What do you. think? That probably that I deal with. people walking over me a little too much. and probably make a lot of stupid, you. know, decisions financially, I'd say. It's probably what she thinks. Yeah, how. do you think she feels though? Uh my. doesn't my doesn't like it a lot, I'd. say. That's it? I. I don't know about Yeah.

Let me now speak for her. She's. resentful. It makes it hard to look at you as a. man. I don't I don't I hadn't thought about. it like that. Yeah, dude. Listen, here's. the thing. Especially if you know she. wants to stay home and take care of her. kids, she even though, you know, she's white facing us right now, it's. she's a bit more trad than you'd think. And usually with that kind of opinion, they kind of want their man to be a man. And you're kind of not being a man in. the traditional. sense. And that kind of uh takes away the lady.

boner. I Yeah, I know it does. How's y'all's. sex life? Good. Close to non-existent? How did I just get good and close to. non-existent? >> it might be good. Not for me. And I I bet he couldn't. argue that. No, not Yeah, I mean it could could. happen more more frequently.

Do you even care? Of course I care. There's a lot of times I'm tired after. work, you know, long days. So, that's actually on you. It's not. even you. No, that one's on me. That's not on her. >> It's always on him. I figured cuz she's. essentially what she was describing was. a a lack of. uh respecting you as a man and a partner. due to. you've been emasculated. She's resentful. So, I thought maybe she. would even be turned on, but I guess. that's not the case.

Okay. Yeah, I mean, are you guys in. couples therapy? No. Well, you. need to be. I want you guys I want this. to work for your kids and for you guys. Are you sleeping with your ex? Uh no. Okay. >> No. When was the last time you have? Long time ago. >> Long, long time ago, way before the. twins. Okay, good. I needed to make. sure. No. Oh. >> for a second. Huh? Like 4 years ago, right? Yeah. So, never will you guys.

have been together? No. >> No. Never, not once? No. No. Well, he lives on the property. Never. not once. >> No. Okay. That was a divorce for a reason. Well, What divorce? Okay. What are you. talking about? Yeah, we already started. the paperwork on that, yeah. No. Yeah, well, why don't you tell him about your. divorce? Oh, for Yeah, I guess it gets. better. Who divorced you for being a. beta? I got an ex-wife from about what, 9 years ago? I think. Are you collecting. them? You got an ex-wife? He collects,

all right. Well, what happened? >> Uh. her just drugs and there was a lot of. stupid I am happy to hear you're 2. years sober. Oh, yes. Yeah, congratulations on that. That is. really good. Thank you. I'm very proud. of you for that. >> know she brought that up. Thank you. She. She did, and I shows that you have. discipline. You have the ability for. discipline. But, she also says that. you only showed your confidence when you. drank, and that your baseline has no. confidence, and has no.

stand up for yourself, no backbone, no. nothing. And I I don't like that. That. crutch. was when you actually. had a sense [clears throat] of self. Yeah, it was just difficult for me. coming off of, you know, doing all that, drugs and alcohol, just refining myself. as I guess been a I agree, but you. cannot let people walk all over you. You. can't. You really cannot. Listen, she. will be right in arguments, but so will. you. And he says that you win 90% of. arguments by default.

Well, because you don't argue back. Like. that's what I'm saying. Like say. something. You don't You say something. Yeah, we'll start an argument and then. she'll. I guess by default I'll. I'll let her win by default and. just be a bum. There's no nothing. No, nothing. No. Nothing about what? You just don't Look. at that. Like you don't care. You don't. push yourself. No, you don't. >> No, it's not that I don't care.

>> No, you don't. I wouldn't say that. Apparently she thinks I don't care. >> Show me you standing up for yourself. No, I care. I care about you and the. kids. It's just I got some issues I've. been working through. No, you don't work. on it. You don't stand up for yourself. No. Yeah, man. I need to Yeah, I. need to do that more. I don't know. It's a whole bunch of. Yikes. And she's a loser with her job, to be. clear.

She needs to Like I was like we were. talking about. I mean I've been stagnant in mine for a. while, too. I need to get my license. >> What do you do? I'm a carpenter. Okay. What do you make? 24 an hour. About the same. Huh? This is. something you can't talk. I make I. can't talk around that. I make the. same amount of money. It's not about the. amount of money you make. You know. that's not what I'm criticizing you. about. It's that you've been given the. opportunity and asked for a raise. They've asked you. They've asked you to. pay you more for more responsibility.

You said no. That is loser mentality. It's If you're making 15, I wouldn't. criticize that specifically. It is the. context of the situation that I'm. criticizing. If he's offered a promotion and you're. denying it. >> I would never. >> Then he's not a loser in that respect. In that respect. What? >> even work at work, dude. You don't even. work at work? >> No, he doesn't. He sits in his car. >> I'm a supervisor. Oh, you supervise from. the car. Meanwhile, I feel like I feel.

like I bust my ass and then he'll turn. around and be at work and get paid to be. at work. >> I got bad knees and a bad back, too. I. fell off a roof a few years ago and then. I have no cartilage in my knees. Wow, man. Damn. I hear that res- I hear the resent. Listen, I'll get you a project. construction project management. certification through CourseCareers. That'll help accelerate that career and. get you better earning pretty quick. Um.

so, make sure you take that. All right, guys, what do we think the financial. score is? I have to get any of these. over this is never going to end, but I. think I at least have a baseline. understanding of your relationship and. it's a mess. I don't like good. luck the rest of us for this. conversation. GOOD LUCK US. BUT, WHAT DO WE THINK our financial. score is? Out of a 10? >> Out of a 10. Zero being horrible, 10. being amazing. Best ever, worst ever. >> Two. Two. Okay. If you want your Hammer. Financial Score, make sure you take that. assessment at CalebHammer.com. It is. free and it only takes a few minutes.

You get your own personalized score. based on your finances. And if you don't want to be like a guest. who ends up on the show, you need to. download the new and improved and. incredible DollarWise Budgeting App. It. is 6.0. It is revolutionizing the. Budgeting App world. You need to check. it out right now. Get your free trial at. dollarwise.app. That link is in the. description below. And only through the. end of March, if you sign up for the. annual version which saves you almost. 50%, you will get my budget-friendly.

cookbook signed by me mailed directly to. you and same with our meal plan as well. But, the cookbook is gone at the end of. March and then it's going away forever. So, this is the opportunity to get it. Check out the Hammer Financial score and. the Dollar Wise app. Links below. Let's get into these finances. What am I looking at? All I know is. we're getting Amazon, Amazon, Ulta, and. Pizza. Looks like a a paid for of some. kind. >> Yes, Sezzle. That's Sezzle. Mhm. Sezzle. You're Sezzle users? Yes. >> Man, Sezzle. I I swear I heard about it.

for the first time the other day and now. it's everywhere. We got a $4,000 credit. limit with them. Why? Just actually why? Because it's easier to stretch the money. out compared to a like big chunk of a. payment. >> Because, you know why? Can you tell me. why it's easier to stretch the money. out? Because you've accumulated so many. minimum monthly payments that. you never have enough money to actually. just buy something anymore. And you're. making it only worse by not not only. having minimum weekly payments ANYMORE, NOW YOU HAVE MINIMUM WEEKLY PAYMENTS.

With credit cards, if you miss a payment. then it gets so amped up you can't pay. it, but at least with Four and Four they. just shut you down till you pay it. again. >> rack up any of those stupid ass debts so. that we don't get completely. Sure. Huh? I. Interesting. Interesting rebuttal. Listen, I'll again I'll let you use the. Fizz card, the debit card that builds. credit, but I don't trust you anywhere. else. This is $1,928.68. of stupid ass stupid.

Doing four weeks, doing two weeks, doing. four weeks. Okay, so. >> Well, a lot of it is is. we both work late and so coming home. Hey, I thought it was all about spending. time with your kids. You, if you're. working late it's already gone anyway. >> Yeah. And then. >> So excuse first of all on the. first part when you said you don't want. to take the promotion, you. But go. on, you work late. Tell me. >> we. a lot of rest of it is well, your. collectibles and then you want to go on. a trip. >> late? What does that even mean? What are.

you saying? >> Neither of us want to cook when we get. home. Wanna? Why would I care about. wanna? you, wanna. If budgeting apps make you feel like. this is for you, most people who. struggle with budgeting aren't. irresponsible. They care about their. money, but they get overwhelmed every. time they look at it. They download an. app, connect their accounts, and try. tracking. [music]. But within a few days, it feels like a. homework assignment they're failing. Too. many categories, too many rules, too. many red alerts screaming at them about. what they did wrong. So, of course they.

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have a better life, but They have a. better life than what? Not than their. current one, but it could be. Why do you. want to keep them stagnant? Why not have. an incredible life? They totally could. After school programs? No. Going on a. school trip? No. No chance you'll ever. be able to afford that. You're. you're paying in foreign Amazon. purchases. You think you're sending them. on a school trip? >> We used that for Disney. >> them on a school trip? You think if one. becomes a band student and wants to. >> and taking a whole bunch of other stuff. We did finance a lot of the Disney on. the Cecil that we did. >> On Cecil? >> Mhm. Well, the tickets The tickets.

>> on Cecil I'm being told Burger King! >> The tickets were on PayPal 4 and 4 and. then. >> gosh, you have 40 to 60 current paying. 4's currently Colton selling me. More. than that, yes. All our food at the airport. >> That's a record on the show by far this. trip. >> here it it was 4 and 4. All the food up here and everything. I. think we even put the rental car on it. Oh yeah, the rental car. We put the. rental car on it. Why? Because the.

payments are so much that we can't. Because of what you did? You did. >> It's backed up. That's. That's where the whole We paid off what? 4,000 on the car with the 10K from the. 401K and the rest went to go pay off the. 4 and 4's and then we racked them up. further than they were. For Old Town Pizza? Yeah. Gualapau? Gaucho? Amazon Brazilian meat. With what? The Brazilian. By the way, you By the way, Meal prepping is just a.

couple times a. week and you're warming it up anyways. I'm not making you cook when you get. home cuz you cook when you're not tired. and then you warm up when you're tired. Yeah, but it doesn't take. >> Do they have microwaves in Sacramento? Yes. >> Then go yourself. A lot of it's me though. I I just I. don't know why I just have a hard on for. eating out so bad. Well, we learned. That seems to be your cope. Your beta. cope because you are like pathetic in. life, so your only thing you can do is. cope. And you cope with fast food.

That's your current addiction. You. likely had an addiction transfer. I forgot the actual term of that, but. you likely have just transferred. I. think I might have, yeah. Yes, it's very. common. It's very common. Yeah, I think. that's probably what happened cuz I I. never really would go out to eat as much. before you when I was doing drugs and. drinking. >> before. I was like barely eating eating. ramen like that. And then I quit. doing that. And then now all I do is go. get fast food. restaurant. >> not as bad for your health, but it's. also really bad for your health. Yeah, it's definitely not good for that. I.

have diabetes type 2. Unchecked, no. insurance. Too much spending money and not getting. insurance to check her diabetes. Uh it. was I was pre type what type 1 is what. they told me like 3 years ago. His dad has diabetes. >> has diabetes. Dude, are you even that fat? No. What the. I drank a bottle of bourbon a day for 5. years straight. That's why. >> Oh, I thought you said today. Oh, okay.

And that would be a different story if. you did. No, I mean you wouldn't know if. I did though. I mean I'd be just like. this, but Okay, so that's how you DUI. Tell that to my DUI. I did get one DUI. right before I quit. You You mean type 2. though, right? Where you develop it? Yeah, yeah. Cuz type 2 one's the one that you get. right? Yeah. It's whatever one you don't have. to take. You don't have to have the. insulin or I had a heart attack and I. went. I had a heart attack Wait, what? You had. a heart attack? I had a heart attack and. when I went to the hospital they ran a.

bunch of tests on me. How old were you Coltyn's asking me. No. one even knows this. How old were you. when you had a heart attack? >> Oh, it was about 6 years ago. About? You. had a HEART ATTACK AT 25? YEP. From drugs? Cocaine will do that to you. Uh so you don't know what kind of. diabetes you Do you have the one that. you can get under Well, that you can. like. >> yeah. Okay, under control both, but one. you can kind of get rid of.

>> under control. Cuz you know, they didn't. tell me at the hospital. >> have the one that you can get rid of, I. believe so, yeah, yeah. If you were. pre-diabetic, I would assume so. They. didn't even tell me at the hospital. They mailed me a letter about it later. So, heart attack DUI. I got kids better. and better, yeah. Dude, what the. Again, I'm so glad you got sober. That. is a beautiful thing, and I love that. for you. Um I really do. Like it is I would much. rather you be this than that, obviously, any day. It's not even comparable. Yeah, I was a complete different person,

too, when I was Like you were having. heart attacks. When's the last time you. checked your blood sugar? I don't think he ever has. >> I a long time ago at my dad's house. Uh. can we get Wes in here and Mark to go. get like a blood sugar test? Yeah, if if I'm not going to make you, but if you're curious, we could do it in. the post show. Yeah, we can Yeah, at the. end, yeah. Yeah, okay. Do you do. consent? Consent pricks. Yeah, let's get let's. get Wes to sit in for Mark, and Mark, go get that blood sugar tester. Another thing is he doesn't like stand.

up for himself physically. Like it was a. fight to get him to sober up. Like that. was part of our first year. >> Well, that's fair. I mean, when people. are drunks and drug addicts, like yes, that is usually an external fight. I. mean, it really is. Like I'm not going. to criticize that. I think I think that's reasonable, right? What does scare me though for someone. that has such an addictive past, and we. know that relapse rates, I mean, it's. better for alcohol than many things, but. um but the other drugs I'm concerned. about. I'm concerned about all of them, but. stress,

stress from all these finances, the. relationship dynamic could be an easy. way to get right back into that mess. >> understand how he can be as stressed as. I am because all of it's under my credit. except for the car, which I had. co-signed on. >> his life though. It's not just a car and. a number. It's his life. It's his kids. I still have to pay it off even though. it's not under my name directly. I still. have to. make the payments to you and then you. make the payments to them. He's tried to. get cards under his own name and every. time it gets denied. Pull up your Amazon. cuz there was Amazon purchases on here.

I need to see your minimum payment. I. mean it's it's it's like 1,500. So I. mean it's paid off and then it gets Oh, it goes right back. spends and it goes. right back. It's it's a joke. It's it's. it's a pathetic. A lot of it are you. know what? I'll show you the. the Affirm cuz that's where all the. payments on Amazon go do. Which one's. that? I have like six, seven different. four and fours. I think that one's logs That's Affirm. I. don't even see the purchase history. I. don't even see the purchase history. This is a disaster. Uh. okay, Affirm with just again logs. I.

mean you're getting It's not. even necessities. No. could be more. empathetic and sympathetic and all the. pathetics. Amazon's all Affirm. No, why. don't you Amazon? I know, [clears throat] but I'm saying all the. payments on it. He doesn't have to see. what you buy. No, your this is all. Oh, the stuff you already got sitting in. the cart? No, let me see. Let me see. Well, that's your that's. your account. LET ME SEE. OH, is that Affirm? >> is probably $333 a month-ish. I have. seen.

Okay, I'm just turning the screen. recording. No, I'm not cuz it's not. there. Why? You have order history too, huh? Yeah, I. got one too. His probably has more than mine. Oh, you have two different ones? Yes. both of you guys? Mine doesn't have a lot on it, but Okay, in the cart. Wait, what do you mean he. put it in the cart? If if this is your. cart, if you have two different Amazons. >> Cuz sometimes he's in my account, sometimes he's in his account. >> [clears throat]. >> MagSafe battery pack. the worst thing in the world. Better than buying a new phone, but we. have.

NHL hockey Anaheim Ducks throwback logo. four and four Seth. you. you. And even worse Matrix the four film the. four film collection for K. >> a giant collection. >> Blu-ray. Oh, it's he has like a hundred. Blu-rays. >> doing? Your kids come first, not $60 of. Matrix. And the first one's the only. good one anyway. That that is true, but I still I like to. collect all the box sets and all that. kind. >> He's not going to watch them. He just. collects them. >> Plus the fourth film. >> [laughter]. >> Oh, we're not going to talk about that.

Yeah, that one's not That doesn't exist. You look like the directors. >> [snorts]. >> License plate. Oh, we got pens. We already got them. MagSafe battery, but there's another one. in the. a wireless charger, NFC stickers, NFC. stickers. I don't even know. Neuro energy and. focus gum. Doesn't work. Isn't it just like What is that? Isn't it nicotine? My friend No, no,

it's like a gum that's supposed to make. you awake more. Well, how does it do it without like. nicotine? Caffeine or It don't work. Makes me sick. >> imagine that. Makes you sick? Yeah. Well, it probably has something that. just makes you sick. Okay. Headphones. >> Christmas tree storage bag. Oh. Beats. We got Beats headphones. you. Ugh. you, guys. What are. we doing? That was after Christmas. That. wasn't even for Christmas. >> No, he That's what that's Rain cover for. a stroller. That's okay. He wanted a new.

iPhone, and so that ended up being a. whole ecosystem, as he calls it, of. Apple devices. So. >> Kids baby syringe. Are we teaching them. how to do the age already? No. >> [laughter]. >> No, no, no. We're trying to not go down. that path again, right? Yeah, no, definitely not. That was for um. >> No, I'm kidding. It's a It's a oral. syringe for the nasty they take. I. know, I'm making I'm making My one son. I'm making addict jokes to an addict. Isn't that what you're supposed to do? I think so.

Let me see yours. Mine's not really that. bad. As I saw 40 things in the cart. Well, you got to get the. >> Most of the in her cart was from me. actually, so. You also don't have the screen. recording. Have you guys never used. these features before? >> No. No. I've never had iPhone until he got us. iPhones. Okay, in your cart, let's see. Oh, Oh, I don't like that. Okay, screen. cleaner spray. It's not That's not the. worst. A. Oh, it's Apple TV, I guess for the kids. you want a case for that. Pimpin ain't.

easy. Vintage license plate wall decor. I don't know how that ended up in there. Double knife skull pirate flag. Lucky Day Blu-ray. What is Lucky Day? >> a movie I saw I wanted to watch I found. on TikTok. But you can rent it for like three. bucks. >> It's all It's all it is non-stop. Two. packs soft silicone sports wrist strap. The Giver, another movie I do not know.

It's my favorite book. The movie is not that great. >> a good movie? It's a good book. Good book, but bad. movie? Well, you got the Blu-ray. You've. already seen it. Jojo Rabbit, that's. good. 30 bucks though. They don't need it. I think that's on. streaming services, which I'm sure you. guys have. I don't have streaming. actually. >> Well, she probably does. Two are. headphones headphone case, Apple Watch. watch organizer so you have a. lot of watches. >> Oh, well, 50. Who Disney Mickey Mouse. Steamboat Pete. uh.

patches, a lot of cases and seat covers. and stickers for your Oh, there's that. patch. There's that patch. Now there's a. Christmas version. That one's pretty good. Your orders Your orders He got a. Elk to electroplate official license. Jason the killer mask. Uh chargers, skull license things. Lots of license plate thing. You got so. many license plate things.

>> He likes his car. Well, I. What did you want and like a new one or. something, right? >> Well, I just got rid of one of my I. traded in one of my cars. >> charger How many charger things do you. need? You get like 50,000 charger. things, dude. You guys are weird. I. Well, I got a lot of to charge, but. Well, get rid of some, That's. all the payments. A lot of them now are. from. >> There's some pointless. >> the iPad, We're going to be here for. 1,000 years. >> phones, the AirPods. >> What is this Zip even? It's the same as.

Afterpay or Klarna or Afterpay. >> the same. Oh, Hot Topic. >> Sometimes I use it on the car for like. >> Target, car. for Hot Topic t-shirts and dresses from. Hot Topic. >> Yes. That's a lot of the t-shirts we have. >> I. I wear the dresses and stuff. I don't. know why I had to clarify that. Well, because of the way he talks, you'd think. he wears a dress. I would I don't wear no dresses. Not anymore. Huh? Homophobic, too? I used to wear dresses at a haunted. house that I worked at. That's why.

That's why I said not anymore. I haven't. done that in a long time. You didn't like hate crime Colton. earlier, did you? What? No. >> [laughter]. >> I'm concerned. No. No, nothing like. that. Not very confident, Colton. You hate. crimed? >> [laughter]. >> 1,600 is Zip. I'm guessing. it's probably like. 333 a month as well, which is just to. replenish cuz you guys can't afford. these minimum payments to save your. life. >> It stays revolving. >> Yeah, no What's this?

That's PayPal four and four. I just paid off the Disney tickets off. of that. SO, THAT'S [laughter]. BUT, THERE'S MORE ON THERE. I DON'T EVEN. KNOW, HONESTLY. I don't have to look. >> Disney? Wait, what world can you guys go. to Disney? >> We went in January. We took all the. kids. All right, may I be insulting? Oh, thank you. Good. You guys are trailer. trash and you're going to Disney? >> Yes. Memories for the kids. Half of them do not have memories, to be. clear. The other ones, they will they. will not remember their 5-year-old.

memories the vast majority of their. life. I think they will. >> have pictures, that's it. Well, that's. worth it for the pictures. >> Good news. Google Gemini. Tell them they went to Disney. They. won't even know. It's not the same. No. it's not. But come on, you know. what I'm saying. >> she wants to go. >> worth it. It is for you. You're selfish. You're selfish. It's your memories. It. is your memories. Your memories. My 4-year-old remembers. it. Now, but he won't By By the age of.

uh 16 and onward, he will not. >> He likes it now. He asked to go, and so we went back for. his Christmas. >> do everything our kid asks? Yes. For the most part. What? That's not good. parenting. No, he. >> who's not a parent, that's not a good. parenting. >> He gets his way a lot. That's not good parenting. Yeah. As. someone who is not, again, a parent, which people love. But that's not good parenting, objectively. Yeah. We get in arguments.

about that a lot, about him getting his. way. Who? The 4-year-old. Arguments with. the 4-year-old? No, arguments with him. because he. >> You know, I don't think he should get. his way every time he wants something. or, you know, this or that or some. but she'll always give it to. him, let him do what he wants, and I'm. very against that. Great. I love when we. can't co-parent. >> No. Dictator? No. I feel like I'm not. We do disagree a. lot on stuff like that. >> She always wins. In that instant, yeah. Dictator? I don't feel like I am. I feel.

like I have to control everything, yeah, because I'm the only one that's. competent enough to do it. I. Well, no. I mean, I I When it comes to. you know, doing stuff with the kids, I. got a grip on a lot of that. Mhm. Okay. So, why you don't get along with the. 4-year-old? It's not I don't get along. with him. >> What? You don't get along with the. 4-year-old? >> him do do he wants, so then he thinks he. can act however he wants to act and then. I don't let him do it. So, then he gets. mad at me about it. About not letting him do whatever he. wants all the time. >> not going to grow up well.

He will. No, he won't. No, no, no, no, no, no, no, no. No kid that just gets. whatever they want and can do whatever. they want, no consequences, ever grows. up well. He's got to have some. consequences in what he does, you know. Yeah, I mean, he's not learning. anything. But the 5-year-old's different though? He's autistic. So, he's He doesn't get things? No, he. does. >> No, no, he does. No, he does. >> He gets He gets a bunch of stuff, too. How autistic? Pretty Pretty severely. He's severe. Okay. I'm putting on a show as autistic kids. these days. No, but he's He's not like. He's nonverbal. He's He can't talk. I.

know. It's like every. guess these days. Yeah. He has therapy. three times a week for most of the day. Okay. [sighs]. Okay. So, he gets a lot, too, but he gets a. lot of that. He was excited for that. trip, too. >> kid gets to walk all over you, too, though. No, I don't I don't let him. She. wants She But except she does, so. She. wants me to let him do that, yeah. You. know, he's just not going to I. understand you wanting to spoil cuz you. love, but. I think that's where a lot of the At. least from my end of the money comes. from is for that.

>> For the kids, yeah. For the spoiling. them. But you know, he is not going to. grow up well. He's really not. I feel. like he will cuz he knows he's loved. No, no, no, what? There is so much more. than that. There is so much more than. that. He'll think he can do whatever he. wants in school with no consequences, and there will be no consequences at. all. >> into one fight at daycare. Bro, he's 4. years old. Only one fight. So far. Only one. Yeah, only one. Well, that happened a. while ago, but still he shouldn't be. doing that. Well, that's not normal, right? He's had.

therapy and stuff and. trying to cuz he's kind of He needs to. He needs He needs parenting. >> He does. I don't know. It's It's been a battle. with the. Oh, I don't even. >> deciding how to do it. What pain for is this? Uh that's PayPal. one. Oh, that's right. That's right. Sorry. $1,500. 54 cents. Probably another 333 bucks. a month. Uh ish. I don't know. Some are more, some are less. I don't You didn't even.

send me statements, so I can't. even ask you. >> you do statements unless you're. a merchant. >> This looks like Klarna, right? I think so. Yeah, that's Klarna. There's. just a lot of them. Walmart, Walmart, Walmart. That was all. the AirPods and. the payment plans on that. That's why I think most of the payments. are for. >> ready to end it. >> two pairs. Because this isn't I can't do. anything here. I really can't. I'm not going to.

Because you guys haven't done anything. like behavior-wise that is going to make. me end it. But like a part of me is like. Guys, I promise this is going to fix it. It's the spoiling the kids. You guys. have no no reasonable dynamic in. communication and good. like your view on everything is so. broken. What we do here is yes, we can. correct some mindsets and yes, we can. create a budget and yes, we can get you. resources. Like you'll get in our master. your money program. You'll get in that. You'll be along with the community. You'll be able to take every single. class we've ever done and ever will do.

So, you guys get that for free forever. That also comes with the premium version. of the Dollar Wise app. So, it's it's. it's great. It's great. But again, that's not the issue. Like the AirPods and I'm paying for. with. Walmart? It doesn't include the money we. owe for cruises. >> It doesn't include anything cuz you guys. go insane on everything. This isn't a. budgeting thing. This is behavior. This. is immaturity. This is. You are passing that immaturity along to. your children. You guys can't. communicate with each other. This is a.

disaster and I've barely even. touched these documents. I've barely. even touched these documents. This is. one of the most egregious disasters I've. ever seen in the almost nearly 4 years. of doing this show. And that is rare cuz. we film three times a week now. It used. to be four, but we still film three. times a week now. And it is rare that I see something that. borderline supercedes all episodes that. have come before it. Yeah, and it's. pretty bad that stack there. I'm so. excited for you guys to finally get your. hands on what I've been working on for a.

year, the brand new Dollar Wise. Budgeting App. And listen, I get it. The. first iteration was a disaster. Many. reasons from working with an external. agency to infrastructure that I. could use, but. let's be honest, that was on me. So, I. put my money where my mouth is. And. after investing millions of dollars and. hiring dozens of people, we've. completely rebuilt Dollar Wise and it is. truly incredible. And to celebrate, I am. giving you some insane deals to sign up. for the first time or trying it again.

after you used the shitty version last. year. But these deals only last through. March 31st and then they're gone. forever. Download now, take your free. trial to test it out, and get the. monthly plan at a 33% for 3 months or. take the annual plan for an insane 50%. discount. And with the annual, you get. my budget-friendly cookbook signed by me. and my brand new 30-day detailed budget. meal plan signed by me as well, both of. them mailed directly to you. But after. March 31st, the cookbook is gone. forever, so this is literally your last.

chance to get it. And if you're feeling. extra sexy, become one of the founder. 500 purchasers to get my founder box. featuring a bunch of goodies plus. lifetime access to the premium version. of Dollar Wise. Don't miss this. opportunity of a lifetime. Download. Dollar Wise and start your free trial. Go to dollarwise.com or click THOSE. LINKS BELOW. >> [applause and cheering].

>> GOOD MORNING. I'VE BEEN LOOKING forward to this for. the last year and a half. Once in a blue. moon, a game-changing paradigm shift. takes the industry by storm. [music]. Financial Audit has changed YouTube. forever, and DollarWise is about to. alter the future of personal finances we. know it. Ladies and gentlemen, it is my. pleasure to introduce the next big thing. in budgeting. What are we doing here? Guys, what are. we doing here? What are we doing here?

What is. What are WE DOING? CALEB! CALEB! CAN YOU SHOW THEM THE NEW DOLLARWISE. LOGO? Introducing DollarWise. reimagined. >> [cheering]. >> DollarWise, rewrite your money story.

The old DollarWise is dead. It is egregious. Yeah, it's pretty dumb. But it's you guys, and it is your. mentality, and it is your immaturity, and your lack of parenting, and your. ability to say no, and your lack ability. of being able to You won't GET A BETTER.

JOB. I. YEAH, WHAT? NOTHING. UH-HUH. And you got. And you steamroll him, and. you're a and you live You won't. even get divorced from the guy. I'm. trying. You're trying? You haven't even. started the paperwork. Oh, help you. Five years, off. What are we doing? What are we doing? I. did start my divorce last year. >> joke, huh? I did get my divorce started. Yeah, cuz they handed you the paperwork.

and signed it. >> That was saying. >> years ago and you're still married? >> Yeah, >> I just got served the papers 6 months. ago. Not even 6 months ago. But we still already paid for the. wedding, so. >> not an episode where a budget will. change your life. IT'S NOT. YOU GUYS ARE ACTUALLY just You guys are. man. You guys are. In every instance of your lives, you. need a man's help. Couples therapist to start. That's a. basic. That's a basic one. Your. 4-year-old probably doesn't need. therapy. He needs a He needs a He needs.

a adult parent. Who will parent? He has the 5-year-old, the autismo one. Yes, we love that. Good for them. Therapy it up. The 4-year-old's really? I don't think. so. >> You just got to be a mother. And mother's more than just love. And. you got to let his dad be a dad. Yeah. Colton is new daddy. >> [snorts]. >> Okay, Colton has $729 of Did you guys.

Guess what your debt was earlier? I. think it's 30. Okay, 30. >> I think. Including the car loan, I think. it's 30. Surprisingly, it is just $24,720, which. I mean just That is still substantial. cuz it's all bad debt. There's not one. good debt there, but it's paying for. paying for paying for paying for paying. for paying for paying for paying for. paying for paying for paying for paying. for It is. It's ruined. It's ruined. Guys, guys, guys. Guys, I mean income You couldn't even. say. I think I make like.

what, 4 grand a month, I think. 4,500, I think. I don't know. You know, Colton? He put 4K. Okay. Oh, that's what he put? >> That's what he told me. Oh. He gets by 800 every Friday. You both think about four, it looks. like. Yeah. So, like 8,000 net a month. >> I have to pay the insurance on the kids. and stuff like that. >> I'm I'm about net. into the talking. about net. I'm talking about net. I. don't know if it was it was a triple.

Wait, your wedding's in September? How's. that even possible? I'm 27. 27? I'm 27. Thank But even still, you got to get. your together. >> ship. But guys, okay, so 8,000 came in. Maybe if we Maybe it's a three paycheck. month. I don't know what's normal. What. What What What What was your outflow. last month? Just guess. Outflow What we. spent? Outflow, that's a part of it. Yes, it's. the majority of outflow, but yeah. Uh we. probably spent. 25 Yeah, about. Maybe three grand. If it's more than that, I'm going to. myself.

Well, prepare the toilet paper. It was. 24,000 Nope, it was 19,054 dollars and. 86 cents. >> That we spent last month? Most of it was. spending, some of it was interest. accruing, but that was your total. outflow. So that's including interest, though. Yeah, but the vast majority is spending. How the do we even spend that much. in one month? >> That's why I'm saying Cuz everything's. debt. It's all four and four payments. Yeah. >> I tell them it's all four and four. payments. It's all what it occurs down to. And. then I maybe sometimes can pay a credit. card off from all the credit card debt.

You don't give a lot. It's not that I don't give Why don't you. Why don't you engage with the financial. conversations in the household? He. doesn't. >> I need to more. >> him why. I just haven't. I don't exactly. >> No, why? Why haven't you? Come on, try. to have some kind of level of self self. self-assessment. Probably cuz in my head. I just tell myself it's fine. I'm going. to pay it off later and I just don't. think about it and I just swipe the. card, buy the and that's just. what I think it is. I'm assuming your. Klarna is like 150 bucks a month, though. I don't know. Okay, we got Afterpay.

You're collecting them all. I do that for the groceries on Walmart. when we don't have enough in the bank. account to pay for it. >> That's That's great. That's great. You. know, maybe you don't spend 800 dollars. on Walmart on Klarna for AirPods. if you can't afford groceries. That was me. I did that. 50 dollars a month probably. I'm just. saying. No, man. It's going to be impossible to. tell exactly what your minimum monthly. payments are. What is this milestone? That's a $1,000. credit card.

And I think the interest on that is. pretty. >> all the way up. I think the interest is like 20% or 25%. >> 28. Is that concerning? Yeah, I'd say. it's concerning. So Why the did YOU. PURCHASE MCDONALD'S ON IT TWICE? AND. VENMO OUT FROM THIS CREDIT CARD? >> for daycare with it. >> on the credit card. If you couldn't. afford daycare, why are you getting. McDonald's? Hm? Please. Please inform me why that's. acceptable in any way whatsoever. Please, if we're paying for our. groceries, why are we getting. McDonald's, which is not a cheap place. anymore, by the way. No, it's not. Really, it's Then why the are you.

getting it if you know that? Cuz it's. easy. It's pro- it's Too easy? What the. are we doing, guys? That's probably me when I was on my. lunch. >> It's infuriating. You are parents. This is not acceptable. I'll just be honest, this is this is far. from acceptable. Yeah, we definitely need help WITH IT. HELP? HELP? HERE'S YOUR HELP. DON'T GET. MCDONALD'S, YOU. CONGRATULATIONS, ARE YOU HELPED?

You already know that. $978.48. 3 years to pay off. Minimum monthly. payment $89. So basically maxed out. Interest fees. What are the fees for? Let's find out what the are the. fees. Probably it's a late fee. It's a. late fee. A lot of them have late fees. And credit protection fees. [laughter]. Why are we not paying on time? Why are. we not paying on time? Oh, here's a. better question. Why are we getting. McDonald's if we're not paying on time? Because the foreign foreign payments. make it so that we can't make other. payments. That didn't answer why you.

ended up getting McDonald's, though. Well, Please answer that part of the. question, if you may. It's easier than. trying to cook. >> It's easy. Is it really easy because now. you're Is that easy? This is easy. Guys, is this easy? Is Are we having an easy. thing right now? Is this easy? >> I basically always This is easy. easy. you. It's all of our physical cash. goes to paying off the foreign forest is. what the. What? It's all the money we get in cash. every month. We have to put in the. paying off the foreign forest. So we. have no cash. That's why we use the. credit cards. You are getting. McDonald's.

I'm not even complaining about the using. paying for. You're using it for AirPods. and McDonald's and Amazon trinkets, dumb. asses. Dumb asses. It was pretty stupid. doing all that. Was? You are. Shut the. up. You are in will. It's one of the. least confident I've had in a. conversation about what life looks like. from here. You get steamrolled and you. don't give a No, I don't. Over it. So, I mean, if you want to say. I don't give a then I don't give a. For a mother of four, it's unacceptable.

It's inexcusable. It is disgusting and. it is pathetic. My opinion, you just. said you don't give a If you say you. don't give a but you are a mother, that. is disgusting and unacceptable. >> your opinion. How is it my opinion if. you said you don't give a but you are a. parent? How is that just an opinion at. all? >> taken care of. Go First of all, they're. getting fed fast food. Second of all, they're getting taken care of is. AirPods. And trips. That's not being. taken care of. One isn't being parented. I'm sure the two coming up on won't be.

as well. They're being taken care of? Mhm. No, that kid's going to get suspended. every second of his life in school. Probably. >> no consequence Probably? So he's being taken care of. You disgust me. You disgust me. It's. fine. How do I disgust you? Please, define. I'm good. Okay, then that's just a. I'm rubber, you're glue. Everything you. say to me sticks back to you or. whatever. How's that for a saying?

>> to take it, sure. That's the only way you're able to. respond to things. You have no argument. It's. How How How do I disgust you? I might. have some coffee breath. I would I would. accept that. Maybe I got a zit or two. I'm a little fat. It's not the greatest. Especially, you know, if I'm on top, you. know, I can see why people would find. that a little disgusting here and there. So, I pillow princess myself when. needed. Uh but other than that.

and I I mean I I washed my this. morning like I do every morning, by the. way, I want to clarify. I'm not really. Where Where's my disgusting? Where's Where's my disgusting? I budget, I take care of my girlfriend, I take. care of the house, my dogs, who are not children, so they. actually don't deserve as much as. humans, but they get spoiled and given. more than pretty much any dogs in the. history of the world with their own. personal walkers and so fur show. chauffeurs and.

getting groomed and bathed every 2 weeks. by someone that pulls up. I take care of. I pay people's wages. I build a. company. I'm disgusting? You choose not to raise. your kid and you're okay with them. getting suspended. You're okay with. getting them AirPods instead of. food. Because you have to pay in for your. groceries. Pathetic. I'm over it. I'm. over it. You this. I'm over it. Oh, look at those pants. That's Those. are normal.

Oh, That's what That's what human. adults wear. Well, hopefully she is able to reflect. on that. I'm sure I went a little harder. than I needed to, but hopefully she's. able to reflect on it. The fact that she. said she doesn't give a. that they will be suspended because she. refuses to parent them. is pathetic. Yeah, no, they need to be parented. I I. agree on that one. What's happening out there, Wes? Are they fighting?

>> [clears throat]. >> It's like hearing voices. What are they. doing? Just She's seems like she's. venting. Oh, she's venting to Lindsey. Oh, well, well, well. I'm actually. personal accountability. It is the. uh struggle for many people. Should I go out there? Should I stay in. here? It is pretty [clears throat] loud, isn't it? Yeah. Interesting. Something's happening. outside of our door, folks. You can stay.

here. Why are there late fees? Sorry. Why are there late fees? Uh that's on the Milestone card. That's. just like I was saying, like the whole. not having the cash to make the payment. Cuz there's just so many. >> What? What? What? No, editor's note. I was just wondering if. that was like. something discussed or something. I just didn't have context. No.

I don't know what's going on out there. No, no, it's okay. We'll continue having. the conversation. A very weird one. The vibes are. questionable. I don't know what's. happening outside of this room. She. going to be back for the post show? Will. she be able to calm down? You know her. Yeah, I think she'll. definitely calm down. Just. [clears throat] give her a few minutes. She just got a little worked up with her. anxiety probably and just couldn't. handle it. Couldn't kick you enough? No, she definitely kicks me enough. Okay, Merrick Bank.

What's going on? This is another credit. card. That's one that she uses for a lot. of miscellaneous I think food and. like gas. >> Oh, now that she's not here, you're. throwing it on her? Well, that one in. particular, yeah. I a lot of the Cecil. >> Brave of you. Yeah, a lot of the Cecil. shit's me with that card. Most of that's. her. Okay, so Merrick, we're sitting at. $905.73. No, we're not. It went up. What the is wrong with you?

$956.61. That's the balance. And a minimum monthly payment of it's. past due, $96. What. What the are we doing, dude? $96 is. your minimum to pay. Just what even is. it? What even is happening here? Late. fee? You just have late fees up the. butt. I dude, I'm so. confused. Capital One, what's going on. with us? That's just another one of our credit. cards. I don't really know what we use. that one for. $230, you don't even know. anything. So, I shouldn't even be doing.

this with you. $25. past due, it's the third one. It the. We've had three credit cards so far and. this is past due. They're all past due. Dude, what is happening here? This is abs- an absolute. joke. Oh, she opened that one for you in. the last year. For you, Colton is. saying. She told Colton that cuz now. Colton has to pay for her cuz she ran. away. That one. That one was for me.

Yes, that's what she said? Wait, all of. them? Wait, what do you mean? Colton. here, say this say say here. What are. you What are you What are you saying? Colton will speak for her because he. No. Hello. She told me all of these credit cards. she had opened recently for you because. of your spending habits. Oh, Jesus. Christ. I didn't know that. What? You. don't even know that? What it What What. is that? What was What was said? Uh she. had said let's see. She said I had to. open all of these within the last year.

Um she needed more credit in order to. keep up with the spending and groceries. And the spending is. out of hand. >> So, she pulled out of a 401k for you. Then she opens all these, she says, for. you. We know her spending's out of control. and things don't make sense, but what. the. Well, I didn't know that part about all. these cards. I didn't know that's why. she opened them. You were was the call, but you were on. the call, And you were homophobic towards this.

man? I wasn't homophobic towards him. He is a. beautiful man. Thank you. What? He He He He and he has a gay fiance, and. guess what? None of them have any gay. ex-husbands they're currently married. to. Not currently. They don't live with their gay. ex-husbands. Okay, Colton, listen. I mean, we're. going to go on the post-show in a few. minutes, but the thing is. What the There is so much to go through. here. What were you What is the dynamic of.

this relationship that you were packing. up? Cuz I just like that's what needs to. be fixed. This None of these finances. are even worth even touching until they. deal with their dynamic in this. relationship. What were you picking up? With the. >> How many hours did you talk to them. even? [clears throat] We did. Yeah, just an hour and a half to two. hours. Really? That's much less than. normal. What did you pick up? >> Um. I have a feeling that there's something. going on with this um ex-husband and. them. Something in the past maybe that.

um. ties them more together than we think. Okay, well, that just sounds like more. drama. So, we'll talk about that in the. in the post-show. I'll stick to the. finances for now. Okay. Okay, Colton. Well, we can send you back. to your your chair. I don't know, dude. You got Credit One. now. I mean, that's like a hundred. bucks. Cherry, I don't even know what. Cherry is. 755 bucks. I think that was I had a. tooth pulled out. That's what I think.

that was. Math? Oh, no. I. 17% interest rate for this one? Of just of a multi-hundred-dollar. balance? What is this? Chase checking 174, Chase savings 25. There's more debt. coming, but this is a checking account. for now. Amazon Zelling out money, withdrawing 2,000, Zell, withdrawing. 855, WHO KNOWS WHO THE WHEN? Amazon. Marketplace return fee. Zell, and then Snap Finance. Why do you.

have Snap? Is this Snap Tools? Uh no, that's Snap-on. Snap is um. it's like a uh. like a lease own kind of thing. For. what? >> So, I paid to have a new radio put in my. car, a new touch screen radio. >> radio, a touch screen radio, wow. It's. the touch screen version of a 1920s. technology. Yeah, I got. >> Radio? CarPlay radio in my car. >> Well, CarPlay's good, but can't you just. plug it in? Uh you know what? I could. have done that one had What kind of car. do you have? 2014 Tucson.

Tucson? Yeah, Hyundai Tucson. And you're. investing into it? Yeah, yeah. Well, it. just got a brand new engine, too, so. Into a 2014 Tucson? Yeah. Is this a nice car? Is it a Well, it's the alley. >> hand shakes. It's the mid-grade one. Leather seats, with last warmers and all. that. It's a mid-size SUV or compact SUV? Why. are you investing into it? Because I own. it outright, so I just want to put some. money into it. But, don't you have debt?

A little too much debt. Yeah, so I mean, it was a stupid decision to do that. It. was a stupid decision to do that. The. radio specifically, engine was maybe it. was necessary. That Oh, for sake, dude. WHAT ARE YOU. GUYS? >> [laughter]. [screaming]. >> ONE PAY. UM WE GOT A CREDIT BUILDER, we got our. auto save with 100 bucks, and then well, let's go go. Um oh, okay, Walmart Disney Solitaire. That has to be like an in-app.

That's her, she's in-apping? Yeah. More Apple bill. Old Town, vending machine, Taco Bell, Apple, Apple, McDonald's, Apple bill, Apple, Apple, Apple, Apple, Venmo, McDonald's. Tequila Grill. Taco Bell. Yeah, and but it's okay that. our kids aren't being parented. Bro,

McDonald's, Venmo, Apple bill. Apple bill. Haha. Carl's Jr. Apple bill Apple bill. PlayStation Network. The reason I know. it's is cuz the groceries are. down on THAT PAYING FOR. >> [laughter]. >> FORTNITE. PAYING NINE BUCKS ON FORTNITE. when we can't put food on the. table with our own money. MCDONALD'S. MCDONALD'S.

WENDY'S. WALMART. Which is because it's not on. the paying for grocery statement. Apple. And we're trying to give our people a. better life. No. Look at this spending. This is a joke. This is a pathetic joke. I'm embarrassed. I am embarrassed. What. a put This is horrendous disgusting. disgusting disgusting. 100 bucks into that savings account. Well done. We made it ladies and. gentlemen. Any balance zero dollars on.

this. Which checking account is this? Which one Golden. That's hers. Hers and the ex? Uh yeah. They share? >> They have a Yeah, A JOINT ACCOUNT. WHAT DOES SHE HAVE A JOINT WITH THE EX? WHAT DOES SHE HAVE A JOINT WITH the ex? What does she have a joint with the ex? You guys this is money. and it was zero dollars and it's like. it's Disney PayPal PayPal McDonald's. empty. Amazon.

Banggood Inc. Banggood Inc. Amazon Taco Bell. Disney solitaire. theater solitaire Disney solitaire again. PayPal quick quack quick quack. then quick quack. McDonald's big boss cafe big boss cafe.

Amazon McDonald's. Disney. solitaire. hair. True life center True life center True. life center. Taco Bell cameo. a $55 cameo. I got no idea about that one. Albi bought it for her ex. Sounds premium?

OH, MCDONALD'S PayPal it doesn't. stop PayPal. quick quack McDonald's. >> [screaming]. Disney Plus Disney solitaire in. app again. What trial knows with that Where Chuck. membership Taco Bell pick and. pull pick and pull. McDonald's it doesn't SO IT DOESN'T. >> [laughter].

>> THERE'S THREE DOLLARS AND FOUR MORE. DOLLARS five more there's five more. pages in this statement. How do you feel this is with her ex? This is with her ex that she is. currently married to. Seven more pages. seven MORE PAGES SEVEN EIGHT MORE PAGES. EIGHT MORE PAGES OF EIGHT MORE. PAGES OF. EIGHT MORE PAGES NINE more. pages of. nine more pages. and 10 more pages.

10 more pages of spending. 10 more pages of spending. 10. MORE 11 MORE [screaming] PAGES OF. SPENDING. WHAT. IS THIS? IT'S ONE. MONTH. IT IS ALL. WHAT ARE YOU. DOING? AND THIS IS WHAT THEY'RE. HORR-. >> [screaming]. >> ACKS. PATHETIC. WHY? HOW DOES THIS MAKE YOU FEEL? That.

I'll be honest, that's pretty much how I. feel [laughter] about that. And. uh And that's the summary of this. episode. Couples therapy. I will pay for your. first two sessions. That is the start at. a minimum. Get your divorces done, and. then I will sit you down with Reed, our. personal accountant, and all the. that helps with people, cuz this is too.

much. But you have to deal with the. relationship first and then the. finances. He will make you a budget. He. will help you deal with all this stuff. and talk strategy. That is not this. conversation because that is obviously. we are beyond far from there. Unless. this be truthful, that is the honest. situation and assessment. This is This. is ridiculous. And combining with the. ex-husband, crazy. [music]. We'll get more into the situation, I. guess how their past are completely. combined and it's all. We'll see if we can check on her and. if if if if if we can get her back on, but she seemed pretty pissed. Hm?

Oh, we're going to call the ex-husband. Oh, we're going to call the ex-husband. Get your number financial score. Click. that join button. Join us for the post. show and hammer elite. Three premium. shows posted every single day, six days. a week. It is incredible. Best. membership number one on YouTube YouTube. verse. And I'll see you in the post. show. I'm going to die. So, what the. with this ex? We were originally. You two and the ex? Yeah. Is this guy a I I Yeah, I guess.

so. Oh. >> Don't forget to download the new Dollar. wise budgeting app. This is officially. now the best budgeting app on the market. and I'm giving you a special deal to. download but only through March 31st. Take a free 3-day trial to test it out. and then you get the monthly plan at a. 33% discount for the first 3 months or. the annual plan at an insane 50%. discount. [music] And with the annual. you get my budget friendly cookbook and. my brand new 30-day detailed budget meal. plan signed by me and mailed directly to. you. [music] Now after March 31st the. cookbook is going away forever so this. is literally your last chance. Don't. miss the opportunity of a lifetime.

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