Trans Man Talks Back To Me For Nearly 2 Hours | Financial Audit

So, what does a better life look like? Be able to have my top surgery. Top. surgery. I'm a trans guy. Interesting. How much does that cost? $1,000 to do. it. You're negative in your checking. account. Download my new simpler budget. app today and take control of your money. once and for all. And as an extra. limited timeon only bonus, I will give. you a signed version of my budget. friendly cookbook for free when you sign. up for Simpler Budget Premium.

Annual. Hey, this is Sam. I'm 31 years. old. I live in Atlanta, Georgia, and. this is Financial Audit. Thanks for. coming over from Atlanta. That's a. pretty good trip. What do you do there. for a living? I'm a project. manager/sales guy. Oo. Oh, that's an. interesting. That's two jobs, but okay. So, you better be making money. How much. you making for a year? 82. Yeah. Okay, that's money. How are you feeling living. on Atlanta at $82,000 a year? I think it.

should be better, but living there or. making more money? Making more money. will be better because I have a problem. with my job right now and he doesn't pay. me on time. It should be better. Wait. Okay. You make 82,000. How much of that. actually comes in? I mean it does come. in 82,000 but the way that is coming in. he split everything. What does that. mean? So if for an example if I get I. have a base salary so it's uh. 1,150 per week but he doesn't pay me.

every week. So he's like 14 days behind. sometimes 16. How often? Um four years. Okay. Four years. Yeah. No, I'm saying. how often is he late though? Uh, every paycheck. Yeah, every. paycheck. Okay. Well, maybe you're. leaving the job at that point. I'm going. to be honest. We once in the history of. the show had a week called fat stack. week and it was the thickest paperworks,

thickest stack of paperworks. And I. don't go through the paperwork anymore. beforehand cuz I like to go in blind. with the audience and go through the. experience with them. And when I sat. down here, I was quite surprised cuz. this is a lot of [ __ ] paper, dude. you belong in that week. What are you. doing here? What's going on? What are we. talking about? I really want to give my. wife a very good life. Um, our Yep. Okay, cool. How long have you guys been. married? Um, this year is going to be 5. years. Wow. Okay, very cool. Any kids?

Nope. So, what does a better life look. like? Be able to have my top surgery. Be. able to top surgery. Top surgery. Like top surgery. Like trans. Yes, I'm a. trans guy. Interesting. Yeah. Oh, don't. look like No, I mean, well, congratulations. You've done that very. well. Uh, successfully made it to the. other side, it seems. I have no idea. Okay. Well, I honestly, this was years. ago, but I had someone on the show. It.

pretty much their entire financial life. just to get top surgery, I think. Or a. lot of money. One of one of the. surgeries. I I don't I don't know which. one at that point. No, that was that was. probably top surgery. No, that one came. from man to woman. You went from man. woman to man. Woman to woman. Yeah, I. always joke about like I have to come. out twice. What? Like I always joke. about like how I have to come out of the. closet twice being a lesbian and being a. trans guy. Oh my goodness. Yes. The. world's very confusing. Okay. Yeah,

sure. How much does that cost? Around 20. grand cuz I have to be at home at least. 3 weeks because not working. I have. someone to be with you. Pay time off? No. No pay time off in this job? Never. How structured is this job? It doesn't. really make sense to me. You get paid a. lot of money, but you rarely pays it. You don't have paid time off. I'm just. like, I'm like, but you've been there for 4 years. So, the way the the way it was, he found me.

on the restaurant like 4 years ago. Okay. Um, he was trying to get my wife. to work for him and then my wife like, "No, I don't know you." and give me his. number. And then months go by, he was. there again and like, "Hey, I really. need someone to be, you know, getting. calls and putting my schedule and all of. that." So I gave him um she gave I gave. him a text like, "Hey." And back then I. was not a trans. So I was fooling like a. girl still. So I gave him my original. name like, "Hey, this is wife of Da.". And then he's like, "Okay, meet me here.

5:30 in the morning." Wait, you guys. were married? Yeah, married. Yeah. Wait, she married? So she married a chick? Yeah. What did she think about um like. this whole She was cool, but her parents. in the beginning like I was the first. chick that she had, let's say like that. She was always straight. She was always. with guys in Brazil cuz she's from. Brazil as well. Yeah. So when we met and. that works, I guess. We met and I was. working on the restaurant. I was a. manager of this Brazilian restaurant. Yeah. And then she was there being a.

regular just visiting her cousin that. lives in Atlanta as well. Um, she was in. and out and I'm like, "Hey, you know, you look nice. You look cool. Why you. don't work here? Do a little bit of. money. Go back to Brazil with a chunk of. money." Like, "Okay, are you going to. give me the job?" I'm like, "Yeah." So, months go by. Are you like a butch. lesbian? Yeah. Yeah. Yeah. Like, I can. see cuz you already got like the you got. the dude energy on you. So, I feel like. you're kind of like a you know, but I. was only like that when I moved to. United States. Like when I was away from. my parents and I actually like.

Brazilian. Yeah. You got the BBL. Yeah. All the goodies. Yep. Sure. And Okay. So, we're trying to save up for a. $20,000. booby go bye-bye. Yep. Okay. That and um. I want to take uh I might say this on. ovary like the ovary out. We're taking. out the oves. Yeah. The eggs. Yep. Yep. Cuz I'm not going to be I'm not going to. get pregnant or anything like that. So, I'm just going to take that out. Well, you don't want to. I don't want to. Okay. Yeah. We don't want to. Right.

Well, I. mean Yeah. I mean that makes sense. I. guess you would have to have someone. else to say. Yeah. Yeah. At the point. Okay. So, we're scrambling and we're. cutting. Sure. How much does that cost? Um 12. $15,000 to do it for that one. For the s. Oh, for the ovary. Yeah. Um that is. around 13. So, we have 20 plus 13. Yeah. So, 30 let's call 35 35,000. Okay. So, we're looking for 35,000. Uh, I don't.

judge. I'm just here to do math. We're. we're we're in the math game here. Someone asked me what I want to budget. for. And plus the time off because she. has not she cannot work. She had to be. with me. And then after that for two. weeks though, like two or 3 weeks. Did. she have paid time off? No. The did she. do? She do Amazon deliver. and Instacart deliver. Yeah, that's. that's full contract. That's the one. thing that I really wish that she. couldn't work with that. Um, so 2022 was.

when my mom came here and she started. living with us and stuff got very tight. and in her side of credit card it's. where we put a lot of moving cuz I have. to move like. so it was supposed to be my mom and my. sister to live together cuz she had a. house back then like a townhouse so you. have more space but she got to a divorce. like right like couple months. How does. this impact you? I had to move and I had. to move her a bigger place cuz we were. living in an apartment in one bedroom.

So she was bringing her dog and I'm like. I I cannot have a dog in this bathroom. My mom cannot sleep in a couch. So and. the only way that I move with my mom. it's my wife putting like saying like I. will just move if we move it in a place. in a house with three bedrooms. So we. have a lot of space in a yard so the dog. can be happy and all of that. So we did. our research and and like couple weeks. before my mom getting here is where I. got approved for a house and the only. way that I got approved it's making a. huge down payment and I had and she had.

to create a credit card for that and so. most of her credit card is because we. put like trucks moving and um the down. payment u maybe a couple um rents were. there first too. Yeah. Okay. Like I I don't know. Your finances are. obviously This is an absolutely insanely. thick stack. Are you trying to say what. got you into this was you had to move? Is that what you're saying? The stack of. thickness is in front of me because you. had to move. Is that what I mean? In her.

credit card. Yeah. And her credit card. Yeah. In her side of her credit card. Like her I don't care about her whose. credit card. Her credit card. Your. wife's. Yeah. Okay. Yep. And her credit. card. Is her credit card in here? Yeah. Everything is there. Oh, this is both of. you. Oh, well, I mean, you guys have. been together 5 years and there's no. kids. No, we're not planning on kids. No. No. Okay. Okay. Well, where do you think you are. in the world of finances? 0 to 10. Zero. being the absolute worst finances, 10.

being the absolute best. Where do you. think you are? 0.5. Yeah. You want your. Hammer financial score, take the. assessment. The link is in the. description below. You can always just. go to calebmer.com as well if you want. to come on the show. Caleb.com/apply. I'd be happy to have. you on. here. Okay. Now, you said you do sales. What What do you sell? I sell um. projects. So, I sell concrete like a. driveway, entertaining wall, pavers, stone work. So, I go to houses. Um they.

call us of course to do an appointment. and then I do a walk through and see. what the the person wants to do. And. then when I got home, I build the. estimate up and and send it to the. client. Like last year, I was able to. sell $4 million for the for the company. $4 million. That's that's awesome. What's your commission percentage? Um. 1.5. Yeah. And that 82. Is that from. that? Yeah. Okay. So 82. I mean, I. have Oh, this is with your wife. combined. I have the household income at.

10,788 from the last month, right? Yep. Yep. Yep. That's not bad. Yeah, this is. over six figures. 120, right? It's not. bad, but 120 is great. Yeah. Yeah, it's. great. I should I have I want more, of. course. For sure, but that's close to. like median double median the household. income in the entire United States. I. don't know that. Yeah. Yeah. Yeah. Yep. The median household. Well, the the. amount that I had to spend to work for. him is insane. Do you get it reimbured? Never. Do you are you a contractor? Yes,

I can. So, you can write it off. So, I. deduct right off. The only thing that. the lady when I do the the taxes she. write off is just my miles. Well, why. why not more? Do you maybe your CPA is. [ __ ] Maybe you get a different CPA. Why. do we stick with the lady? I I we change. it this year. We're going to change this. year. Yeah. I mean, wait, we're going to. change later this year. Why do you file. quarterly? Um, no. I mean, that would. Okay. Okay. 10,000 came in.

You're both contractors, so we're. setting aside money for taxes. No. K. How long have you been You've been doing. this for 4 years. How was 2023's taxes? Uh, how much I had to pay? Did you pay. them? Um, I paid them monthly. Huh? So, it's um You still pay them? Yeah, I. still pay them. You still pay them? See, and but why would we then not start. saving for the taxes we're doing now? If. if we're already paying previous taxes. monthly, why do we want to continue.

stacking that up with having to pay last. year's taxes monthly? It's hard to do. budget when you're not getting paid, man. It's like it's Yeah, but you are. getting paid. You're not getting paid on. time. Which does suck and I do empathize. with that. But you still you put the. listen have to pay taxes without getting. paid. Get that. Okay. You only save for taxes when you get. paid. So listen, making a payment on a. rent, like if for some reason you don't. get paid a once that entire month, but. you get paid five times the next month. cuz the dude [ __ ] up. Yeah, that.

sucks. That sucks. But you only put. aside money for taxes once you get paid. So it doesn't matter when you get paid. If you get paid once that month, you set. 30% aside from that away. But when he. pay me, it's already a lot of fees. already gone. Like I have fees. Yeah. like for my credit card that I'm trying. to do minimum payment. So, and then. enter and so fees come in and then I had. to pay that and then um for whatever. fees that I we have like a rent or um.

water. Yeah. Expenses, but you can. control some of those. The rent, you. know, you can choose what rent you have. I feel I never have money on my banking. account when it's probably because you. blow it all and you're stupid about it. Listen, you made 2,000 10,400 for the. household last month. How much did you. guys spend as a household? Probably. that. No, you. spent6,000. Yeah, you spent. 16,000. So, I don't have money. Who.

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yrefi.com/hammer. That is. yfy.com/hammer or callle8. yrefi-78. That is8. yrefi-78. Break free from the. highinterest trap and get your finances. under control once and for all. Probably. because of fees, right? No. I mean, I. don't I don't [ __ ] know. I mean, we're going to go through everything. We're going to find out, but how would. you not even know? Oh, $16,3342 down to the penny. I have no.

idea how much my wife does. So, I kind. of Wait, what? Why? You guys have been. You've been married for 5 years. Do you. not communicate? Do you not talk? We. don't talk too much cuz we always It's. not five. Was it your accent? No, she. What do you mean my accent? Okay. Why did you guys talk? Uh, we. always get nervous like we're never. Yeah. We never person that knows how to. deal with money or came with people that. you know parents none of us are or to do. money. So none of us come from parents. that know how to do trying to see like.

hey can we do this can we do that we are. counted with money that I will still. receive like oh yeah maybe right now. like all the promise that I have with my. boss like oh yeah um start doing with. your car and I will give you a car in a. couple months if I see you going to stay. with me if you're good and whatever and. I'm the only seller beside him. Okay. So, I always put in my head like, "Okay, once he gave me a car, I'm going to sell. mine and we're going to do more money. and then we can, you know, pay all this. stuff." But that never came. So, I. always wait was waiting for something to. happen so I can start saving moneyish,

something like that. Make sense? Yes, I. guess. But you literally spend $6,000. more than you guys made. So, what do you. wake team for? It's part. because vacationwise maybe like my. vacation. No, I mean why the [ __ ] can we. go on vacation when fees are the ones. destroying our lives? You said fees like. rent. It's a life fee I assume is the. way you're thinking about it. Which is. fine. Sure. I guess. Yeah. You got to. have a roof over your head. That's a.

life fee. But if you can't afford that, why are you going on vacation? If you. guys can't talk about money, why are you. going on vacation? Because when we talk. about vacation, we see our our um we. kind of forget about credit cards. Yeah. You see it escape from the real world. Yeah, maybe run away instead of actually. dealing with your problems. It is hard. to talk with her. Why? I need to know. why. I mean, she's not here now. She's. right there. So, she So, tell me why. Well, because she when I say something,

she disagree and I think I'm right. Now, why do you guys disagree when you're. talking about money? Give me an example. Uh for an example um when I saw stuffers. getting tight for us and I told him like. look you need to get another job like. beside the one you have to use car so we. can sell one car use that money for pay. some stuff and then we could be better. and I can pick you up and back and forth. if you need that and she disagree with. me. She's saying that the problem it's. not her with her job in the car it's me. not getting paid in.

time and um Huh. Okay. So, how do we. resolve that then? How did the. conversation usually go from there? And. I tried to make her work work more hours. cuz she only worked from 6:30 to 3. Wait, from 6:30 to 3? Yeah. And then. after 3, she doesn't do anything. She. just go home. Well, 6:30 to3 what is. that? That's. still 8. hours to work. But the she doesn't do. that much. Like the only way that I. Sounds like a full day's work though. She just starts early. She does, but.

it's just not enough. like she I mean. she doesn't work the whole time. So. around noon she go home she feed her. noon during lunch. Isn't that the peak. hour? One of the peak hours. I don't. know for Door Dash and stuff. I don't. know. She doesn't deliver um food. It's. um Well, you said Amazon and what? Amazon does Whole Foods. Oh, they pick. up like grocery stuff and stuff and. everything. So she go there and at noon. she stay there for 30 minutes. If I'm.

there, she stay for an hour or two and. then she just work one more hour and. come back. So, you don't think she works. enough? So, what do you do? You try to. talk about it. I try to talk about it. I'm like, "Look, let's try to do like a. resume for you and like put it out. there. Maybe work on Target or work a. better job. Okay. A different job.". Okay. We can sell that. She like, "No.". She said, "No, it's not the problem.". Cuz she don't think that she's the. problem. Like, she's not the whole. problem. Of course, if it's both both. together, she just thinks the problem is. not getting not getting not getting paid.

in time. Me not getting paid in time. And that's why u Well, no. I mean, obviously, objectively, the problem is I. mean, you must have gotten paid on time. this month. cuz the month that we have because if. you're making $82,000, I mean, that. makes sense with what hit your account. Combined household income at the. 10,788. That's not about not getting. paid on time. I think it's the. $16,000 you guys spent. We We never. agree when it comes to money. Yeah. How. But that that that that's math. That is.

$16,000 more than $10,700. I don't know. if we know this. Yeah. Makes sense. But. Okay. But the thing is, right? When we I. could sell my car when it was a good. condition. Still car. It's a jump. Okay. So, I told him like, "Look, let's sell. this car. You get a normal job. Home. work at Home Depot. you need um um okay. whatever you really want her to work. retail it seems yeah sure I mean I don't. wish no I I understand but she has a.

very good degree in in Brazil it's a she. has to do she's from Brazil okay what's. her degree um producer in like radio TV. the calls that is a very good degree I. think it is I mean I don't have anything. she has odd degree I don't know if. that's a very soughtafter in demand job. it's not but maybe if She kind of put. the work in maybe. Oh, sure. Does she? No. She I mean I've been one year asking. her like, "Look, let's sit down. Let's.

put everything together. I need to know. how much you do." And the way we don't. know how much exactly. I mean, if she. probably she probably knows, but she. always reopound money from the app like. every 3 days. And I tried to talk with. her like do weekly, but since I don't. get paid and she need to take that money. off and to buy something to gas or. sometimes um it's so tight for me that I. need to call him like, "Hey boss, I need. you to pay me at least $300 cuz tomorrow.

I will not have gas to work for you.". And of course, I do a little bit of. drama saying I'm I'm sick or my car. needs to to do something cuz that's the. only way I can get the money back, like. my money that he's always like on my. commission, he's always behind two. months. Well, if he's always behind two. months, now listen, and I'm not I'm not. uh saying he's okay for that. Not even. close. I'm not defending him at all. But. if he's always behind for two months and. you've been there for four years, aren't. you. technically if you're always getting. what happened two months ago, you're.

still you know what's coming. I know. it's coming. I know what's coming. But. so the agreement was every 15 days which. No, no. Again, I'm not supporting him. But that if it is consistently two. months behind, been there for 2 years, like that's not the major issue. It's. It's stupid and you should probably. honestly work for someone else. I'll be. honest. It is hard. But you know what. you made two months ago what is going to. hit like that's just a budgeting thing.

at that point. I don't know how to do. budgeting. So I mean Okay. Well, you. neither of you leave the studio until. you download the simpler budgeting app. We made it specifically for you. Made it. for everyone in the audience. Made it. for me. I use it on a weekly basis. You. get the premium version for free. You. guys get a couple week trial, but make. sure you download the simpler budgeting. app. And I'll give you before you leave. a founders edition of our simpler money. notebook, and I need you to journal your. financial journey in there, and I'm.

going to read it when you come back on. the follow-up channel. Okay. All right. Awesome. Thank you. I'll send you guys a. signed version if you are an annual. member to Simpler Money Premium. We'll. ship it right to you. And I also have a. degree in Brazil, but because. Okay. because it was a very bad um. college. They don't exist anymore. So, there's not a way I can pull up my. certificate or um you didn't get your. degree before it closed. But I I moved. here and I I thought I were never going.

to use it, so I just lost it. Honestly, a lot of places you can say you have a. degree on your resume and. but that's I kind of nervous because of. that cuz I No, but you got the degree. I. do. But it's not You're not even lying. I do. Yeah, just put it on your No, never works. No, no, no, no. Just put it. on your resume. I don't care, dude. Just. put it on your resume. That's I'm sorry. that the college closed down, but put it. on your resume and put your experience. on there as well. I need to start. getting these documents cuz we'll be. here for a thousand years. They won't.

like ask for it. I I have Okay, well, don't listen to that. I'm going to shoot. them in the face next time they talk. I. will. I don't know. Like, I don't think. they know what they're talking about. They'll ask to say it like you have to. walk into the office and give them the. resume. One time I for Microsoft, they. like need people who speak Portuguese. It's different in Atlanta and they asked. for it. They asked to see the physical. degree. Yeah. And then I lost maybe they. were getting some red flags in some. areas or maybe that's what they do with. foreign like I don't know. Most of a lot.

of people that I know work there and. they're like look you need to bring the. certificate cuz they will not hire you. Certification. Wait, what's the. certification in? U tech it but it's not. a degree. It's so you get you're. certified in something. Yeah. you might. want to see the the okay if that that's. different. If it's like a cyber security. certification or something, if it's like. a boot camp that is specifically. designed for a certain specialty, they. might want proof of that specifically. because it is it's different than just. going and getting like a BA in fine. arts, right? You're going through a boot.

camp. Yeah, that might make sense to. send proof of record for there. Maybe. they also as they do the background. checks, maybe those don't automatically. pop up like a degree would. So, I I. could see that as making sense. Listen, I'll gift you a course career. certification of your choice. Just go. through that. There's a lot of tech ones. on there. So, if for some reason yours. is a struggle, just go ahead and get one. of those. I got to jump into these cars. Okay. So, a firm. Mhm. What What the. [ __ ] are we doing? So, a firm, there's a. lot of um furniture um that happened.

when we we have to move to the big house. when my mom was big house when um 2022. This you a this is a five threeyear-old. affirm. I mean most of them. Yeah. Most. a firm. People get this for like four. payments. But we still pay. I I think. I'm talking about dude. I see caffeine. army cappuccino. Uh ship station. What. the are you talking about? Oh, I didn't. know my wife put that stuff up there in. a firm. I thought she documented. You.

don't even know. Debit card. Oh my gosh. Oh my gosh. Oh. my gosh. Nope. Oh, it's all financed car. because you guys don't have the money. because you spend 60,000 even only. 10,000 and 700 comes in. Oh, okay. Yeah, this is the danger of not talking. This. is the danger of not communicating. I. don't care if you guys don't always. agree or disagree on what the solution. is, but we at least need to know where. the money is going. Money is going. We. can't agree or disagree about that. I. found out because this is where the. money is going. I found out that we.

split her rent our rent and I didn't. know about that. Like she Why is she Why. why why are you guys doing things? No, no, no. Why are you guys doing things to. your household financially without. talking to each other? Well, she told me. once um cuz last year we had to bring. her parents here to to get a visit like. visit and do a vacation. Okay. And why? Because her their visa will expire this. year and that Okay. And they will not be. able maybe like there's a big chance. they will not be approved to renovate.

that one. Why? Um, I really don't know why, but that's. how Well, then I don't believe you. because they never been here. So, they. have like a visa for 10 years, and I. think if you never use it in 10 years, it will be difficult to prove to them to. get approved like, well, you never been. there in 10 years. Well, that's an. actual answer. So, we agree saying like, look, we're going and that's where we. have a little bit of fight, but in the. end, I agree and it's our fault, my. fault as well. Wait, but did you guys.

pay to bring them? Yeah, we have to pay. But it's their vacation. Why are you. bringing They They don't have money. They don't have money. Maybe they. should. Like they You don't have money. But we could pay for the for the. vacation. What the I saw an insane. number. And it's nothing. It's nothing. beneficial. Yeah. $60,000 of bad debt. You have negative money. You don't just. not have money. You have negative money. So I don't know what the we're talking. about. You have to pay everything before. you put it on credit. We we did cash flow and a firm sometimes.

maybe to to okay but most of the time. but when they got here the thing was. more than 80% was paid. So I told her. like look if you really want to bring. them we need to work a lot. I need you. to do extra hours and everything so we. can bring them. And that's the only way. And let me go. She did. She did. No she. did. She did. She she was like working a. lot and she bring a good money but and. then after they came we she just we just.

came back to the same thing and um it. was a lot. It was very expensive and I. feel bad because. um we took them also in Atlanta so they. can they know where we live and. everything and my I bring my mom but my. mom paid for her stuff. Wow. An adult. But when it comes to food, my wife was. feeling bad because we were paying for. her parents and she's like, "Look, what. the what the Okay, cool. Awesome." Yeah, she's getting caffeine army cappuccino. on this right now. That's good. That's.

helped me so much with my work. Yeah, you're affirming it and paying. attention. I didn't know about that. I. thought I was Well, guess why you are? Because you guys don't talk. No, no, no, no, no, no, no, no. It's not even about. not talking. It's that you guys just go. do things. You just do things without. the other person even knowing. So when I. tell her like look buy this and um sake. yeah and what the it's just very it was. the about the vacation was everything. very expensive and I didn't know how. much how much did you guys spend um just.

to fly for 5,000 the round trip because. um you guys spend in total. around 14 16 because we had to buy um. Magican Kingdom like four tickets um the. Animal Kingdom for tickets as well and. then the extra stuff, Airbnb, the car. rental and. um food and then we had to pay also for. the tickets to go to Atlanta and then we. had to pay the tickets to go to Orlando.

again so they can get the flight and go. back. It was separated and because we. live in apartment onebedroom, we had to. rent uh we had to um get a hotel for. them and we had to pay for that. But it. was not like that. The first agreement, the agreement was them pay for the their. hotel and pay for their why the they. spent everything home like well then why. would you allow it? I don't I didn't. know about that when I came. No, but. then you supported it by you spending. your own money. I'm going to make them. go back like I can't I would adults.

You're adults. You can have a. conversation, can't you? But they like. Well, you can't even have a conversation. with your wife. So, I know you like free. things and I'm giving some things away. for free right now. and let me show you. how to get it. First, I'm giving you a. limited edition financial audit Tumblr, plus a 30-day trial of Simpler Budget. Premium to new users when you buy my. four class bundle. And this trial is. normally only 14 days, but I'm doubling. it just for those purchasers. And do you.

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They're going to say, "Well, well, I. don't have money for food. I'm going to. just eat in front of them. Like, oh, this is so good and you cannot when you. spend 14,000 hours and you have no money. and Yep. Uh, yep. Yep. I was surprised that we were. able to pay for that. I'm very. surprised. And then I talk after with my. wife like, if we could do that money, why we not doing to pay our stuff? And. yeah, that's what the I'm saying. There's no 600 on a firm with a. $2652 minimum monthly payment, which is.

stupid, which means interest is. acrewing. At least I think it's is fe. now. There's a lot of fe now or I don't. I. Oh, for sake. Here's here's Okay, this. is a different affirm loan. Okay, so I. have a feeling we're about to go through. a few affirms here. Here's another. affirm. $318.89. This is for solid wood detail. What? For [ __ ] sake, man. It's like a a.

furniture maybe. I don't know. Me. Um, it might be the furniture cuz I know we. bought like two furniturees on on our. new apartment and um it might be that I. didn't know how the price was when I saw. it and I'm like, "Oh, this is expensive. We're still paying." New apartment, the. big house or after the big house? After. the big house. So, every time we move. every second of our lives and we have to. refresh our entire entireing furniture. package of the house. Yes. No, not. everything, but like like some spots. that you're like, "Oh, something right.

here can go. Something right there can. go." and we just buy it because it's. going to be looking good. And um there's. a part now that I I told her we're not. going to move for at least 5 years now. Yeah. Bull. But yes. Why are you moving? No. Is I don't know yet. What is noish? Because my mom today lived with my. sister and October my sister is going to. New York. Proud of her. And then my. mom's going to be alone. And then is. your mom incapable of anything? Well, she has heart problem. She had to go to.

uh um surgery and so she she is she a. citizen? Um she had a green card. She. will be a citizen in in a couple years. I mean she'll receive some kind of. disability, right? Because of her No. Well, she can't work because of her. heart. No, no, she does work, but. she's living alone. Like I'm scared that. she can't, you know, do something and. just die or something like that. Okay. How bad is it? It it is kind of bad. It's not as bad now because she did the. surgery and before we we lived together,

but it didn't work at all. Like in um I. think my mom have kind of jeal like I. don't say if it's jealousy. It's not. jealousy. She It's weird for my mom. knowing that I'm married cuz I always. been her baby. Does that make sense? So. she was kind of competed with my wife. like who gave me more attention and. after not getting attention to her or my. wife, they both don't live with her. then. She sounds like a [ __ ] brat. Well, that's what I'm doing now. Like, I. put my feet and I'm saying that I'm.

cannot live with you and I and I know. right now I can't afford to help her, but I I um told her that I could. What's. her job? Why'd you tell her you could? Because I don't want her to live with. me. They they My wife and my mom don't. they don't get along at all. Yeah, sounds like it. Sounds like they're both. kind of I don't know why. cuz they're. both Sounds like sounds like and my my. mom she well we have cameras at home so. we we caught her um talking about my.

wife though so that's what she say well. when she well let's say if she's tired. one day and she doesn't do food my wife. just stay um stays sleeping or something. like that she tell my sister that. doesn't have any respect for me just go. in my house and do whatever she wants. and talk about me and my wife um saying. like oh yeah when she's tired she. doesn't um food for us, that kind of. stuff. And I got very mad because my. wife is it's not her job. My mom was the. one not working back then. So my mom can. easily do the food and everything.

together. I mean, it's just it's just. not a So we talked a couple weeks ago. and I told like, "Look, I can't I don't. want you. I'm like, you know how the. hell we've been through living together. and I bet you don't want to do that. again." Mhm. And then my wife also. doesn't want to live with her, but I uh. she said like if we live it has to be. like the same conditions the last time. we had to move in a bigger house. I'm. like no stop moving. Listen listen. It's. it was supposed to be my sister. You.

were paying off furniture from two. places ago and your current place. Go off. You're not moving. Was it all my. my sister's fault? because she had a. house back. You can't take. responsibility for I can't I can't but. it was not used furniture. You did not. need to do what you did, man. It you. know it makes my wife happy. It makes me. happy seeing the house looking nice and. um feels real nice when we have all. these minimum payments and we can't. afford to survive and we're paying six. What's your retirement at?

Nothing. You nothing. That. happiness doesn't really exist. Yeah. Yeah. After watching the show that. I kind of figure out that I need to do. something and um realized Well, what. have you done then? What do you mean? What have you done? After watching the. show, I realized I could I tried to talk. with my wife about like doing a budget. or something. And maybe you guys aren't. compatible if you can't even have a.

conversation. She she's just very she. doesn't face too much stuff and she. always walked away like yeah maybe you. guys aren't compatible or maybe she. can't be the one that's even looking at. finances. Maybe you just have to control. it and she just has to accept it. I. don't know. I was like when we got. married I was the one that was. controlling everything and then I got. this job and then I'm like look I don't. I don't have time to look if I'm paying. for this if all you have to do is use. literally a budgeting app again not. theing plug but my goodness it's like. it's the easiest thing in the world.

It's the easiest thing in the world. You. just connect it to your account and you. don't have to budget. It's there. Review. it on a monthly basis so you know how to. adjust it for the next month. But it. literally just tells you. And I mean. when you have credit card, man, it's. just nice to spit everything like like. and because in Brazil we don't we have. credit card but it's different. We don't. have credit. Then you're obviously not a. credit card person. Like listen, if it's. all of a sudden, oh, I got all this. credit. Let me whatever you said, then. you can'ting use credit cards. You're.

you're. not you're not mature enough to have. access to a credit line. You're not. I. think I'm today if I'm starting for. zero. 16,000 made 10. You. Yeah, that's that's incorrect. Incorrect. And even if you have it, then. she'll use it. Even if you're being the. responsible one, then she won't be. At. least from what I'm hearing in this. conversation, it was a lot not putting. my saying no. I was always like, "Yes, yes, we can do this. We are." Do you.

have a better beard than me? Testosterone. H. It's interesting. Do you use that little. um you know that little um it's like a. roller with some thing that helped me a. lot? Are you talking about? It's like a. little roll that you pass on your your. face and open your um and it worked. It. worked. Or did the testosterone work? No, no, it worked. I have like just a. little bit like right here, a little bit. right here and just right here. So I. started to using that like for 6 months.

and everything just grow and I'm only. have three years in testosterone. So. it's pretty good. Yeah, you have like you need some stuff. right here. Yeah, I got some patches. Okay, I got some patches. It'll be nice. Clara, you owe. $2896 with. $79.71 on a monthly basis. Yeah. I. didn't know my wife Wayfair in Walmart. Oh, another another I didn't know my.

wife. So, three times in a row I don't. know my wife. Okay. Yeah. This this. marriage is going so well. Lazy put to. go to the market and she could work. there all the time. She like, "Well, if. you're not going with me, let's just do. a pickup." But I thought that the pickup. was always on debit. And I really really. started looking everything again since. November last year. So, I didn't have. too much idea cuz I didn't have time. Like sometimes I go to work at 7:00 a.m. and I'm coming back 1:00 a.m. and I have. to be Yeah. I have to be up again the.

next day. Well, she can't be lazy. If. she's taking all this time off during. the day, she needs to go to the grocery. store. She already picks up groceries. for other people. She can say to her. like, "Why? You're already there. Why. did you don't do it?" She's like, "Well, you're not here with me." And you know, blah blah blah. And what? Make a list. We're adults. Yeah. What does it matter. if you're there? We tried to do list, but she want me to be there as well. Oh. my gosh. What is she incapable ofing. surviving? But she just like had to me. around and um when I'm around I get more. likes to and that's fine. That's fun. You still got to do the basics. Yeah.

When we don't get what we like the but I. don't like to go because I kind of I. always say how are you guys surviving. together? Take just take like the more. expensive cuz it's going to be better or. let's take of two of those because then. you don't have to come do a lot of trips. and everything. So I tried, you know, like sometimes she like want me to go, sometimes she just to the pickup and. that's it. And yeah, um I always ask. like, "Hey, if the pickup like has some.

the grocery more expensive, they make. more." It's like, "No, just if you. deliver, I'm picking up. So it's not. that expensive.". Okay. Well, I don't I don't know how to. fix that. That's not I'm not talking to. her. I'm talking to you. And that's the. other thing. I wish she was here because. she will Well, why is she? Um, she's. shine. She's very shine. Like, she's. very, very shy. Like, she I don't have. any pictures with her at all. Almost. almost I don't have any pictures of my. wife. It's a little weird. Okay. Is this.

another. Clara? Wait, am I just What am I looking. at? Okay. This is Endless. You had. Lighting Lane. This is another This is a. new Walmart one. This is 33. Not even. going to put that down. Disney, right? I. don't know. It's that you jump. You tell. me. I think like the the thing that you. don't have to be on the on the line and. then you just jump because our parents. are like plus 60. So they will not be. too much waiting on I see PayPal but I. can't even see what's like owed on it.

What's owed on PayPal? I see lots of. purchases on PayPal, Nintendo, Hulu, Best Buy. Like what what's owed? I. don't know. Or is this cons is this a. PayPal like checking account? I know. Do you owe money? How do you. buddy? I cannot help you if you can't. tell me. But the thing is I just know. about this. What's PayPal paying for? I. don't know what you currently have. When. I applied to the show, I had to get my. my my wife phone when she was sleeping. to pick everything like to get all her.

stuff cuz why? Cuz I wouldn't cuz she. won't do it. Like she would just lie for. me. She is. So what the why why is she. not willing to change? She is willing to. change, but I think she expect me to do. it. Like, that's impossible. If you. don't even know what her spending is, you can't fix that. That doesn't make. sense. We had We had three accounts in a. row where it's like, "Yeah, that's. secret." My wife, why not? She's not like doing it behind. my back. I just thought that she was. doing on the debit card. Like, she tell.

me like I'm still That is behind your. back. I don't think so. That's behind my. back. But she's still saying I'm buying. this and that, but I just thought it was. be debit. Okay. But um and that's one one of the things. that I'm very like you say we're not. compatible, but we are very compatible. Like we are. But is this. uh wife mom? Yeah. She sent money for.

her parents in Brazil. Special bonus. document. That's a What is this? Um, she sent. money to her parents in Brazil. What? But this is what that doesn't make any. sense. You guys are You don't have You. don't have money. Yeah, but they need. help sometimes. No, no, no, no, no. Don't them. But I. This is I get that I saw that. They need. help sometimes. I get that. But you you. help. Oh my gosh. Like I don't know what to do. because And I'm really Stop. I don't.

need to hear things. You need to hear. this. You need to hear this. Oh my to. hear this. Fine. Tell me thising. critical information. So her parents. just trying to [ __ ] think for a. second but okay. Her parents live her. older brother. He's 34. He do a very. good money but he doesn't help at all. that house. Okay. Then your mom then. your wife needs to stop. That's what I. told her. Well again what the am I doing. here? Cuz I'm talking to you.

Yeah. What do you want me to do? I I. want you to, you know, I don't want you. to agree with me saying that she needs. another job or something like that. Well, she needs to stop spending this, sending it like it's hundreds a month. And I didn't know. I I I just You didn't. know about this either. No, that's a. app. That's a different app that you. have to spend. Uh that Well, she was. hiding this. She She was never hiding. She's like, "Oh, I'm going to She tell. you." Yes. But the dollar amount. No, then it's hiding. I just thought it would be $100 per.

month. But when I got to her phone. secretly and I had to go through all of. that cuz I went to her conversation with. her mom just to see the screenshot that. she sent like, "Hey mom, I send this, I. send that." And then I find out what. kind of app that she was using. What do. you want me to do? Hey guys always ask. me, Caleb, what do you invest in? And. honestly, I keep it pretty boring. Take. a look at this. Take a look at this. This is my investments right here. And. this is why you got to follow me on. Blossom if you want to see just that. A.

couple weeks back, I stumbled upon this. social investing app called Blossom and. thought, "All right, let's give it a. try." And it turns out it's actually. really cool. And to be clear, they're. not a brokerage. Blossom is a completely. free social media platform. They're not. your typical investing app. It's social, meaning you can follow exactly what I'm. investing in, and you can check out my. portfolio in real time and even discuss. strategies with me and other investors. There's no guessing games, just clear. transparency. So, if you're curious. about how I'm investing or just want to.

get smarter with your money, download. Blossom right now. And you can follow me. at Caleb Hammer. I'll be sharing my. exact portfolio breakdown, investing. tips, even responding to your questions. It's totally free, super simple, and way. more fun than just guessing stocks. alone. So, hit that link below, join me. on Blossom, and let's grow our money. together. Seriously, right now, you can. actually see what my portfolio looks. like today. She I need your help to go. through all of this. I need your help to. make a budget and um to pay all of that.

and and put my and of course when I do. that I I I will feel my life will get. more together. You know that's what I. need. Um I I really need her to. understand that we are not in a good. position right now like we were in the. past. And I think the only the only. thing is right now is she's kind of see. that we are not going going too well but. she expect too much on my I I feel I. have a lot of pressure. Do you want me.

to do like is this a vent sesh like okay. cool talk to her dude like I don't know. we try then you guys are incompatible. leave. No, then what do you work? What. is what after here? Maybe you know this. is the budget we have to do so we have. to work like this or maybe if you get. another job or if you work on your. resume and I get another job but I told. her I cannot get another job cuz even if. I get paid late I still get that amount. of money but we just had to work around.

that. But she does like um maybe last. year 30,000 and then that's the only. thing that I know and then I put it like. I do the math. Yes, the math adds up. That's what you guys made last month. I. don't know, dude. Uh, Delta Sky Miles. Gold card. I mean, this is an insane. balance. This is the thick balance so. far. $3,8982. Yeah, that's mine. Yeah, there's Okay, so maybe it's not only your wife, you. little tit. But it's us together. It's. not her. Well, do you just It's her to.

be not changing jobs and understanding. my side and maybe help me, but it's not, you know, her fault. Not I cannot spend. $3,000 by myself. I think it's both of. us. Do you [ __ ]. Huh? You don't think you can spend. $3,000? By myself with what? Like. there's a lot of fees. Go get a nice TV. like this is you could spend 3,000 like. this if you want to. It's What the [ __ ]. are you talking about? Yeah. Now you're. saying TV. It makes sense cuz I do get a.

I got a big TV. Well, there you. Yeah. Like, like I said, I once I never. ever ever have a Hey, a uh How long does. this take to pay off? Minimum monthly payments only without. purchasing on it. Three years, which by. the way, you're basically credit limit. So, I know you're incapable of three. four years. Three, four years. Yeah. 14. Yeah. 14 years. Yeah. 14 years. And no. more retirement, no more no compound. growth, no anything. Yeah. Three years.

No. 14. 14. You are a fast mover. Please. have a seat right there. That's a lot. Yeah, it's a lot. You're going to be in. your mid-4s. Yeah, I'd say it's I think. there's a lot of feeders as well because. when we were putting the cash together. to bring her parents here, we had to. stop what that I stopped paying the. credit cards. Well, then obviously you. couldn't have afford to do that, dude. It is as simple as that. I'm sorry. Listen, I understand why you did it. It.

is something I would have tried to make. work. You couldn't. That is that. But. they were if you couldn't pay your. bills, you can't do that. But she Oh my. gosh. But you But yeah, but I mean after. that we we were like look we had to work. more. We had to do this. I'm starting to. get annoyed. And then um my boss. starting to give me day offs because he. was he were like kind of knowing that he. would not be able to pay me the full day. and everything. So that really really. You need a new job. Yes. Okay.

Congratulations. We've learned this. $103.74 of interest acured in one month. alone. You're going to lose 1,200 bucks. on that in one year. It's at 30%. interest. Like $1,200. Yeah. Wait, in. fees? Not well interest. Interest. specifically. That is a fee, right? The way you think about fees, yes. The. way you've used the word fee, sure. But. a literal fee, no. But.

and then on top of that, do we have more. fee? If you don't pay on time, uh, so if you bring them again and you. decide not to pay, then yes, I'm not. doing that. Okay. $1,100. $1,13 on this and seven cents blue cash. everyday card. What's up with this card? Uh, well, that one is um I had to pay. like tires and uh No, because you didn't.

have an emergency fund because we. haven't been responsible once with our. money because also, by the way, you you. purchased $30 on here this last month. I. mean, you're still purchasing. You're. purchasing plus interesting. Your. balance went up. Your balance went up. Oh, we're over the credit limit. Yeah. Yeah. It's all her fault, right? All her fault. You know, all her fault. Above the credit limit. Yeah. Yeah. Yeah. This is what happens when someone. brings something someone on the show and. they're not able to like you didn't you. guys didn't come on together. You came. on and you just like oh I'm the good. one. I'm the good one. It's all her.

It's all her. It's all her. No [ __ ] you. Look at this. You're above a credit. limit. But it's us together. I don't. What do you mean? Well, let's find out. It's us together. So what this cash app? Cash app. That's what it says. It was. cash app. $30.90. Probably to pay. something. I don't remember. Probably to. pay something. I would think so. Like. pay um does it say how much your cash? $30.90. I was about to say if it's a tip for.

someone, but that's too much for a tip. maybe. So uh depends on what it is or. how it might be tip cuz the only thing. that we use Vimo or Cash App is for. tips and I and you do it on I remember. someone was um needed gas on a gas. station and they asked me for So you go. above the credit limit. They asked you, so you did it. It wasn't you both. It. was you. You did this. You It is you, too. Yeah, it's both. I'm not saying it. is both. Sure. But you've only put.

everything so far on her. This one. This. one. Being over the credit limit is you. I just No. This one on this credit limit. is you. You. This one. This one. Yeah. Was me. Yes. The above credit limit. credit card is you. Okay. But oh. my Oh my goodness. Oh my. What do you. want? Punch the beard right off your. face. What are you talking about? I do.

understand that 32 cash app whatever. Okay. Was over the limit. But we had to. use it because I didn't have money to. fix my car to go back to work. [ __ ] you. You didn't have to send money to someone. for their own gas. I felt bad. Yeah, but. you didn't have to. But I felt bad. Congratulations outside. Yes. A little. empathy. I love it. We all love it. It. puts you above a credit card limit. You. will never have a chance to retire. You'll never have a chance to be. successful in this country. You will. never have that chance if you keep.

putting that over. Listen, help. everyone. Help everyone. But the best. way to Hey, no, don't open your mouth. I. don't want to hear it. The best way to. help others is for you to be in a. financially sound place because then. you're able to help others forever. instead of barely being able to help. people now. I get it. And do you I do. get it. I I of course don't you do that? Because I think because the way I was. raised, we didn't have money. I was.

sleeping on the floor and whatever blah. blah blah all of that. In Brazil, we. don't have money for anything. So when I. see a family that needs cash to go home. or Yes, there's your heart. Congratulations. I'm not against the. heart. I'm against dumbassery. But even I I I can't say no. Even if I. put it on a credit card and then just. see that's my How about that? How about. that butt? That's a good butt. But. you water. [Applause]. rebuttal. You just can't afford it.

You're above a credit card limit on. there. I love the empathy. We give. We. give. We give. We give. We give. But the. best way to do that is be by being in a. financially sound place. So you're able. to give forever instead of just putting. yourself over the credit limit. Now you. can't anymore. You prepare yourself. You. live. a dude. You're ruining it. You're. ruining it. You're ruining it. You want. to get rid of the tits? Good luck. You I. don't know how you could afford that. You're over the [ __ ] credit limit. I'm just You're just [ __ ] it. $35,000.

is how we started this conversation. Wanting $35,000. 35 what? for the eggs and for the. boobas. Eggs. Oh. Oh, okay. Yeah. Yeah. That's. what I need. I want to say eggs. I. didn't like over something like that. Yep. Yep. That's what I really my goal. in the next two years maybe. Yeah. Well, you're not meeting it. Not even close. You'll never get there. You'll never get. there. You'll never get there. That's. why I'm here. Just so I can get there. That's why I'm there. Oh, that's why. you're here. Yeah. There's a. catchphrase.

$83.32 with a $23 minimum monthly. payment on this. Another blue cash. We. have two blue cashes. One is mine, one. is hers. So, congratulations. The other one over the. credit limit. She's. not your minimum payment. Oh, is. 14168. Didn't write it down.

And she didn't purchase. She didn't purchase. because Oh, you did. You did. You Well, there's not a way to see if. it's mine or hers. Maybe that one is. mine and that one. The other one is. hers. And I'm just confused. You don't. know who the has balances? No. Oh, good. Yeah. The one who's going to be. financially responsibly running the. house. I was 2021 2022. Maybe I maybe. bring that back. What's that was very.

good over that to be honest. Cool. Yeah. Use the same skills. Did you lose them. or have you become like what what's. happen? It's just because of I think. what I put in my head. I'm like, "Oh, I'm doing so much money right now. I can. do this. I can do that. I can pay for. this. I can pay for that." And and all. those credit cards was coming on the. mail. I'm like, "Oh yeah, my credit is. good. And let's let's do this and that.". And soon when she got her papers, she. applied for credit cards and then um you. know, everything just went for there. our vacations like Oh yeah, we're going. to do a vacation. Let's do a new credit.

card and put it everything there. Like. 2023 we went to Orlando and that's where. I have Is this a different trip? Yeah. And when we talk Yeah. went to Orlando. Disney. Um Orlando. Um Universal. Yeah. How much did that cost that trip? I. don't have no idea. I just put. everything on a credit card. I It was. supposed to be less, but when I got home. and I saw the credit card, I was like, "Oh." cuz we had to rent car and then. hotels and the tickets and then. this you guys have made it this far.

Well done making it this far. Uh. interest is acrewing on this like crazy. of course and blah blah blah. It's it's. all I got to continue. There's so much. paperwork here. What? I heard you open. your mouth. What? No, I I was just. saying that a lot of a lot of credit. cards there. It's my little treat that I. like to eat chocolate. I'm a big. chocolate eater. Yeah. Like we have. 60,000. hours, but at least at least if I don't.

know the math on top of my head, but I. am person that I need at least six or. seven 10 bars of Hershey's per day. What? Yeah. I will wake up three in the. morning, go to the gashion and and buy. three bars of Hershees. [ __ ] Yeah. What. is is this my strange addiction? What? What show am I on right now? The are you. talking about? Why Hershey's out of all. chocolate? It's like the worst. It's. not. It's the best one. What? Yeah, it's. the worst. It is objectively the worst.

We had like a blind chocolate taste test. in our uh in our membership. Um. Yeah, it was the worst. And then that. one people pick up that one the worst. What? Yeah, cuz it's the worst. What was. the best one? I don't remember. But not. Hershey's. Nah, the worst is the worst. There were two I think there were there. were three that were better than. Hershey's. Hershey's is not good. I I. like them. Hershey's are not good. Yep. The king size. They're better. And I. have a little thing because it's more. you know one thing that I explained to.

my wife and she thinks I'm crazy because. it Hershey's is only bad if they are. about to expire the next 7 months. The. China it is crazy. What the So look look when that expired. I'm assuming they got this for you, but. you probably don't need it. I obviously. don't need it either, but if you look at. the expiry date, it will not melt on. your mouth if it's about melt. Probably. barely even chocolate. I'm I'm being for real. You have to buy.

the Hershey's that is about to expire in. one year. Like I go chocolate because. you probably eat everything. Look where. it expired. If it's not saying like. 2026, it's bad. I I hopped to gas. station to gas station to find the new. ones. Dude, you're weird. I mean, it. has it's a lot of ingredients for just. chocolate. I never see that. So, I. like this is not that good as far as.

chocolate goes. Now, since it's the only. thing in front of me, but again, when is. gun expired? When? Just see it over. there. You're looking. Probably had to. I'm looking. You don't shut up. You're not looking. Right. Okay. Where. would I find it? Hershey's expert. Yeah. Yeah. Right there. Yep. Open. Trying to. see if that is kind of blackish. He does. know where it is. Okay.

2026. 2 2026. Oh, that's a good one. And. it still tastes like No, it doesn't. I. bet that doesn't. open your mouth. Almost. It touched your tongue. Mhm. Thank you. Capital one. This is a good one. Oh, it's melting in my mouth. It's. chocolate. Chocolate melts in. No. What? What? I think it would be bad if it. doesn't. If you bought Tic Tac Tic Tac.

Tic Tac Tic Tac. Tic Tac's not. chocolate. It kind of is. It's not good. though. It's not kind of chocolate. It. doesn't melt. It's not chocolate. Mhm. I. guess it does. No, it doesn't. Wait, why. the [ __ ] are we comparing Hershey's to. Tic Tacs? Kit Kat. Kit Kat. Kit Kat. Yeah. Well, there's bread in it. Nah, that SP is bad. But um Reese's is. my second one. So, but I also had to buy. Always. It's going to expire the next. year. Yeah, Reese's is good. I love.

Reese's. Yes. I called wafers bread. Okay. Capital. One. So, as many of you know, I've been. a big supporter of Course Careers for a. long time. I'm not just a partner. I. actually own stock and I'm an investor. So, why did I partner with Course. Careers? Because I truly believe in what. they're doing. A lot of people have. questions about online certifications. versus traditional college degrees. Let. me be clear. I wouldn't put my name. behind something unless I knew it. worked. The thing is, not everyone has.

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payment. What's going on with this? How. what is the balance on that one? Oh my, just said it. Uh $84 $8441. That's probably hers. So, okay. So, what's going Do you not know then. because it's hers? I mean, I don't. really. um I I always thought that she was. paying her credit card, at least the. minimum payment. And uh she is she lives. on Amazon. She loves Amazon. So, um when.

I was living with my mom, I was seeing. every day package like stuck and stuck. and like building everything. Sorry. Building building like in front of my. house, I'm like, "Hey, why do you need. this? Why do you need that? Why are you. buying this? Why are you buying that?". for an example. She loves sweaters and. to to vote in Georgia. Okay. She likes. it, especially when it's, you know, kind. of chilly and everything, but it does. get chilly in Georgia. Can I ask a. question? Yeah. She fat. No. Okay. Us. fat people like sweaters. It makes us.

look better. But she's shy. It's too hot. in here. You think it's hot in here right now? I'm cold. No, Austin. Oh, okay. It was. cold last night. Just in general. But so she does a lot. of like small purchase on very cheap. stuff that can break and then she would. still buy it like sweaters. She likes to. buy like the cheaper ones to go to work. but she was buying every other week. because when you go and wash them they. kind of like go small because they are.

very bad. And I'm like, look, instead of. you paying like $15, $17 for three or. four every two or 3 weeks, just go and. buy like a a new like a good one, a good. brand, and then I will not shrink when. you're This is not my biggest concern. I. mean, we'll see. There were no purchases. in there. Your Capital One, mine, right? Platinum. Yep. Might be. Okay. Well, she. learned how to send a statement. You. learned how to send a screenshot. Oh, no. It's hers. Okay. So my statement,

it's mine and hers is screenshot. What's. the minimum of the payment? 88 bucks. Okay. And that's what I screenshotted. because I did not know too much how to. $57828 owed. Everything there was this is thick. What? This Apple. Oh yeah, that's the. worst. They are the worst one. They have. the worst interest. Well, maybe don't do. it. You did it, dude. Listen, you're not. a credit card person. I mean, I just. thought it was nice. So, so the the.

Apple Mind side Apple was and this was. when my dad passed away. So, I had to. run to Brazil and put it on an Apple. card. I didn't have money savings. So, okay. $53 minimum monthly. payment. Listen, when when my um so this. was 20 years to pay off. Oh [ __ ] So. yeah, that was 2020 when my my dad. passed away and um after our balance has. been that high for 4 years. It's more.

more fee that there's more fees. Interest still if you're making your. minimum monthly payment, it still goes. down. No, but I stopped doing that. You. stop making your payment because I need. to save money for a vacation. That's not. how this works, dick. That's not how. this works. I I that's the only thing. that have you know like that's the only. thing I told my wife like look this year. is going to be this after we bring your. dad we have to your. mom how this works guys so we stopped. sending money to him but it's always.

like oh no you haven't I just seen I. just went through a statement remember. [ __ ] couple statements ago this the. secret little statement that Jake. brought out remember that no money has. not been stop being sent I thought it. was cuz you guys Great. She also pay her. mom credit card and I What the not even. paying your own barely? I I think people. in Brazil think because we live here and. then they think we have a lot of money. but that is not true. Americans do have. a lot of money but we have a lot of.

spending but that spending part is a. choice. Cost of living is higher. That's. less of a choice but still we do have. more margin here. We still do have more. margin here. Listen, you can break down. most of the top countries. You break. down Germany. You break down Canada, you. break down the United Kingdom, you break. down France, you break down the United. States, they have a lot of things, right? They have a lot of things that a. little higher taxes, but they don't have. to take care of healthcare or health. insurance. They don't have to take care. of all this stuff. So, you think, okay, maybe Americans have a lot of money, but.

it has to go towards all this stuff. So. if you break it down on a mathical. median. percentagewise, we still have more money. left over after all expenses, even after. all taxes, after all expenses, then. everyone uh not well, there's obviously. some smaller countries that have crazy. uh incomes, but we have more money left. over than our competitor. countries. So we are known for having. more money and they are correct in that. We have more money net left over. But.

you chose to go to Universal and spend. You don't even know how much money. You've chosen to [ __ ] around. You guys. chose to stack Amazon boxes to the. rooftop. That was your choice. Are they. entitled to your money? No. But you chose to blow all the money. I did feel good in the at time. No. [ __ ] [ __ ] That didn't feel good. So, and just like your 3:00 a.m. candy bar. Like, yes. No [ __ ] Why aren't you just. buying bulk instead of going at 3:00.

a.m.? That's so weird. Because and then. I eat more. Oh my god. Cuz I Because So. you have no self-control. Uh about. chocolate. No, I don't. I really don't. Like chocolate. Okay. It's not. It is. I. mean, if I do Brazilian chocolate, it's. way more bad. Like do it at home. But. But we have endless chocolate here. Man, you can get European chocolate here and. it's great. It might be more expensive, too. Yeah, it might be. But at least. it's not. You're going to still spend. knowing you.

I I love you. They want me to give you. another piece, but you don't deserve it. I do. You've not been good. I've been a good boy. Yeah, I've been. there. Okay. Yeah, let's not say. that. Let's not say that. Okay. Truest. What's up with this one? Um, is that a. credit card or um our or it's a credit. card? Cuz we have our bank. So, our bank. is truest as well. So, I don't know. Okay. So that is mine and well only 145.

I don't know why the we're not paying. that off with your strong income. 8. months to pay off. You only make your. minimum payment. $20 minimum payment. It. might be interest charge $3.73. What is. up with this? Why is it not just paid. off? I put autopaid. So just a paid. minimum. And um Sure, but why not just. pay it off? You make the money. I've seen that much. in spending so far. Minimum cuz. And I. know we have yet to get to the spending. because oh I because I always think if I. do pay it off everything I will need the. extra money to pay one of our actually.

bills like the bills that we have to. have to live. The is your rent? Um 17. Okay. So you have plenty left over and. then so you what bills? I'm just afraid. not to get paid or she's not doing that. much. Um cuz if it rains it doesn't. work. your stuff money aside because if. you're going to stay there, you need to. have a chunky emergency fund. You've been there for four years. Maybe. you be an adult. My gosh, we never talk. about that. And that's bad. We don't.

even have to. And the the bad the bad. things of being a family of Brazilian. that they do kids to take care of them. And right now, it's it's [ __ ] stupid. It is. We We realize that cuz my mom So. I don't give a congratulations. You're. here. Yeah. You don't have to. It might. now. Huh? Not right now, but before we. like because when my dad passed away, my. I was 100% helping my mom in Brazil. 100% cuz she my p my and I would do the.

same thing. It's the entitlement. Don't. like um she's just working right now. Um. after 20 years cuz my dad was a type of. guy that oh yeah, woman doesn't work and. all of that. I'm the man and blah blah. blah. But my dad was not a great guy. with money as well. Um very very bad. decisions that made us go to sleeping on. the floor and my mom making me go bed. hungry when I um bed early. I get it. I. get it. I ask you why you haven't paid. $143. I don't know. We ended up with.

sleeping on the floor for the fourth. time. Like I get it. That's sad. I do. empathize with that. Why the haven't. you? Why not prevent having to sleep on. the floor again? How about we do that? Okay. So when I thought and this is kind. of dumb right now it's dumb after you. know being here and or watching your. show. I thought when you pay make the. minimum payment there's no fee on that. or interest in fee. I thought if you. what cuz in Brazil it's like that. And I. know this is not Brazil. You've been. here for a long time. Yeah. But I always.

pay my stuff off. But I'm like okay let. me just put it on before marriage. Before You've been married for 5 years. Yeah. I've been here for 10 at night. So, this excuse holds noing weight and I. only had a credit card the first time. cuz um Okay. My sister told me it was a. good idea to just credit one. I mean, you just blow past what I say. IRS. Yeah, here it is. Yeah, we saw this. coming. That's bad. And I.

13,29068. Last week we just saw that if. we own uh x amount of ar my wife can not. be a citizen. Maybe they will Well, yeah. Yeah. Honestly, fair. Yeah, of. course. But paying taxes. I'm paying. monthly. I'm paying them. You're paying. your past taxes. You're not even going. to You're negative. You have no money. You spend more than you make. There's no. way you're paying for your 2024 taxes. Good luck. So, no, you're not paying for. your taxes. Yeah, I'm scared about that. too.

cuz again we didn't put any money on. side and um Yeah. And you still don't. I. didn't. It's not We didn't It's You. don't You do not. It isn't past tense. It is present. It's hard. Okay. It's hard. No. Yeah. It's hard when youing spend 14,000 hours. and you make 10. But yeah, it's 8,345. from 2022. and then 4,954 from 2023.

Okay. Acrude failure to pay penalty. Are. youing kidding me? What's your monthly. damn payment? Um, only 140 150. Yeah, let's allow that interest to acrue even. more. I'm going to mark it as. 150. Stupid dude. Why allow the interest. to acrewue even more? I didn't know it. was I thought like it was a one plan. thing. Huh? I thought it was a one plan. thing. Like you you if I did like if I. own $5,000 and you can pay more. I know.

But I thought So why a lot I didn't know. there's fees if I just paid the minimum. Buddy, you've been here for so long. All. you have to do is look at one statement. ever. Do one search ever. Well, no. I. never know. Noing [ __ ]. That's what I'm saying, dude. That's. You're copying what I'm. saying. Okay. KiaForte. Yeah, that's a bad decision. Yeah. Has. there been one good decision in here so. far? I don't think so. But that was the. worst one. That one. Um I less than.

paying our taxes. Preventing us from. potentially being able to stay in this. country? No. I think that would be the. worst. Well, that car I only had to buy them to. work cuz I had a Corolla was paid off. and everything, but I got in an accident. that for some reason. Do you have an. LLC? Do you have a business? You don't. even have aing business? I I tried to. talk with my boss like, "Hey, do you. think it's a good idea?" He say, "No, your boss is like borderline actually. stupid. He doesn't pay you on time. You. trust a guy that doesn't pay you on.

time?" I trusted him until last year. Oh. my dude, I'm starting gas. Yeah, I know. Yes. But and he promised me like, "Hey, cuz. if you bought this business expense and. it's actually accurate as a business. expense, there's things you'd work with. your CPA dramatically." She doesn't do. anything. Then you need a new CPA. Do. you have no agency? Are you incapable of. doing anything? Like you just say like. no one's willing to help. You're not. willing to have a conversation. Nothing.

Everything is out of your control. apparently. No, but I I as bad happened. to me, I do about it. Like I will never. understand this lack ofing effort. I. just thought it was normal that that's. the only thing that we have to do cuz I. I trusted her and she looked more. professional than me. Trust people. It's not we like if you not had that. education, you just have to trust. None. of us have that education and it is a. very small minority that have financial.

education. None of us. I didn't. They. didn't. Your wife didn't. No one that I. work with, as far as I know, had any. financial education. We learned it. because we put in the effort. So, I. tried like last year, I tried to. ask about like, hey, do you think it's a. good idea to do a LLC with my condition. and that work with this? And I put all. my stuff over there. And then and even. that saying that was kind of the same. thing being a 1099. So, I'm like, why.

I'm going to do LLC if I'm not going to. be with this guy? Well, it helps with. organization. Like, it's a it is the. pass through. An LLC is a pass through. I have no idea what is that. Okay. I. have no idea. Honestly, that's the least. of my concerns right now. I'm just like, listen, you owe $479 on us. What's the. car worth? six 6,000 I think because that car today. in Atlanta is one of the most um like.

people rob there. So after a couple. months when I bought it, I got this. letter from um Progressive saying like, "Hey, we're going to raise your um. about 10,000. It's worth what you owe as. far as we can tell." But I bought it. from Carvono and when I do like my. That's a bad decision. Yeah. When I do. like put in all my information, put the. miles and everything, they say like it. worth $6,000. So that's what they want. it for so they can sell it for higher. Carvana, we put in your VIN and the.

information. We got 10,000. Well, it's someone I we got in an. accident. 400. Yeah. Two accident. One. we But did you tell us that information? So we put it in. But we put in the. information you gave us and we have. $10,699 private sale. I didn't know. about that. And. um you look well I look on Carvana like. the the place that I bought and um they. say that Carvana is aing.

machine that buys your car for way under. value so it can sell it for over value. Honestly, is that what a dealer do? Like. they going to pay you used cars. Yeah. But Carvana, that's their entire. business model. Well, knowing that I. actually Okay. Was it Wells Fargo? It's. out of the car. What's this car? Um, what is it? What type? Yes. What is this. car? CHR Toyota. Um, 2021. You guys got cars that you probably. could not afford.

This was a 90% interest rate. What was. the interest in the last one? 20. something, I think. No. No. No. No. Yes. Maybe. I don't know. I'm just saying. [ __ ] kill me on the key 20s. something% interesting. [Music]. I didn't have man then you don't get it. but then how I'm going to work huh how. I'm going to work I need that car and. and and when I try to like what did you. buy it for what price. um 20 Yeah you didn't need a $20,000 car.

something you didn't need a. $202 but but it was so expensive car but. you put in the extra effort, man. Cuz I. assume, listen, when everyone everyone. complains about it's the car, it was the. car market. Yes, I that is accurate. I. just asked them and then they tell me. they go to one dealership and I'm just. like, "Okay, well then yeah, you deserve. it." Listen, on this stupid ass 9% car, $13,663.14 is owed with a minimum.

monthly payment of. $53953. She has a higher minimum to. payment balance than you even though she. makes less money. At least we never are. late on that. Okay, congratulations. Bare minimum. effort. Yep. At. least this Apple card. Does she have an. additional Apple card? She does. Why is. Why is he a collections? Because she. doesn't pay for many many years.

That was the car that we had to put that. we had to put um our down payment for. the house. And when we listen estimated. when we moved like from that big house. and we got back to a smaller apartment, we also put everything over there. And then when we moved to this apartment. um in 20 in January 2024, we had to move again because um three. pipes. What are you saying, dude? Just. what the [ __ ] are you saying? A lot of.

moving was on that card because. congratulations. Don't be aing dumbass. We all move. I've moved once a year my. entire life except for once where I. stayed somewhere for two years. I I like. not to move. But since 2020, great. And you make money. It's. inconsistent, but you make it. You just. budget correctly around that. So much. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Oh my gosh. And they're.

also [ __ ] They're not cheap. They're. not cheap. Amazon. Amazon. Pull up your. [ __ ] Amazon. Do you guys share an. account? Yeah. Pull it up. Pull it up. Pull it up. Pull it up. Can I pick gas, please? It's going to be her phone. I don't. care. [Applause]. I really go to the restroom. Can I go?

Go. pee. I'll look at your Amazon. Go. [ __ ]. pee. Have a little I have a little. tinkle. Socks. Long sleeve workout. High-waisted workout. More socks. Hair. care. Cat treats. More cat food. Cat. toys. Cat lounge thing. Cat toys. Cat. litter. Okay, it all goes to cats. Okay. Uh, more clothes. More clothes.

More pet things and cat stuff and cat. stuff and cat stuff. and face stuff and cat stuff and cat. stuff and cat stuff. My gosh, this is. crazy. Shampoo, meal prep. bowls, cat stuff, cat stuff, cat stuff, cat stuff. They really are gays. Okay. My gosh. salt and probiotics, bloating. Someone. was.

bloating, gloves, and jackets, and yeah, I mean, it's just But so much cat stuff. I don't think it's 100% needed. Obviously, we. want Yeah, I'll save it. Oh my gosh, ladies. and gentlemen, I just looked down. The checking account started with a. negative balance and it ended with a. negative balance with $9,000 going in. and. out. What the are we doing.

here? Push it. out. I'm not sharing sharing chocolate. with a non-handasher. Why did you. [ __ ] wash your hands? I did. Sit. down. I don't trust that. What the [ __ ]. are we starting with negative in our. checking account and ending with. negative in our checking account? Get. right up on that mic cuz you're quiet, remember? Yeah. Um Um Am I negative, Mike right now? Like Oh my.

I mean I know sometimes we might be. because I didn't get but you ended and. started negative. when I Oh. my you started $4464 ended. $3328. You have fees. Let me guess. That's an overdraft. has to be. Has to. be. But guess what? We we we went to a. steakhouse. Thank goodness we went to. aing steakhouse. We had to go to a. steakhouse. We really had to go to a. steakhouse. We wouldn't be able to. survive if we didn't go to aing. steakhouse. Well, if you see $1,000.

If you see, we didn't got some bull. Well, that donuts lottery. Lottery. It's. not mine. Lottery. Probably mine. Yeah, it's probably mine. But that it wasn't. mine. It's probably mine because we both. gambling. We're we're gambling to try to. [ __ ] pay for the tit removal. Brazilian bakery. checks. Zel,300. But zel is for my our own account. together. That's the stupid cuz you're. negative in your checking account. But.

that's when I I get my check. You went. in and got some bull Starbucks. Brazilian bakery went and got some bull. Starbucks. I I need to eat. So uh Oh my. I'm gonna We need anothering. I I Why should I say that's not too. horrible? Something that. can't cleanse. You see that's why I get. chocolate when I'm nervous like you. like.

You're nervous cuz you're a dumb with. your money. Well, I'm nervous when I. lottery Victoria's Secret. That's for my. wife. My god. That's probably for her. Yeah, of course. I don't use. it. I get her stuff. presents when she needs pennies like. relentless to take them off anyway. So. why does it even matter? Went in and got. some bull. Brazilian bakery. Brazilian. bakery. Zelling out money. ATM withdraw.

162. Who knows what the that's for? There's the fee. Went and got some BS. Paradise. Zelen out. Zelan out. Pan. express. Yeah, I I eat a lot on um on the road. It's um she I do meal prep once I'm. working only at the office cuz they have. microwave, but most of the time I'm 2. hours away from my cheeky little. producers. We got you something that. youing well really love to fulfill your.

addiction and it ain't the chocolate. In. this case, we got you a special little. scratch off. Why don't you scratch it? Let's see what you win. Let's see what. you win. Oh, there's a little coin. Scratch that. Scratch that. Maybe you. can pay for the big old surgery. Let's. see. You are so [ __ ] And a little Yes.

Okay, it's true. It's. true. It's kind of. nice. Okay. I don't think there's. anything else under. there. Starbucks zing it. out. Getting some. bull. Zel Panda. Zel getting some BS. Cloud9 smoke. That's probably when my. mom was. smoking. Yeah, she stopped on your car, buddy. This isn't This is a month ago. She probably um yeah she stopped like a.

month ago cuz she had your mom have your. debit card. I was with her and she. probably didn't have money. Then she. didn't have money but she paid me. Yeah, she paid me back. But my mom she stopped. smoking after you. that BS money. Going to get into BS. Brazilian bakery. Yeah, it's pretty Oh, our other checking. account. It only has a dollar in it. Sorry, $121. So we bettering gamble. I.

don't know why my wife I mean she she. opened that one cuz she my wife. My. wife. Oh my wife. My wife for her work. Like she doesn't use that one. My wife. I think she transfers back and forth. It's not even [ __ ] on. here. Okay. What we got? Okay. This. checking account actually has money. Well, it started with $93, but it ended. with a,000. I'm sure that's not normal. Got in some BS. What are you going to. the store to get? Who are you going into. the store and getting things? Is this.

the freaking Hershey's? We're going and. getting Hers. It actually. me. Going and getting some Hershey's. Going and getting some Hershey's. Brazilian something. Going and getting. some Hershey. Oh, there's so many. purchases on here. Yeah, I used my card. for Guys, I have to read these. Yeah, that's that's our main account. Restaurant Amazon. restaurants. I'm I'm working in. subscriptions. Netflix. Oh, there's a. whole othering page. I hate this. Apple.

store purchase. I don't even know. Hulu. Rose Brazilian. McDonald's. Little burn. Going in getting someing. Hershey's. Pop. Winning and get some. Hershey's. We need to get some. Hershey's. Shake Shack. Hershey's. Yeah. Most of the time I'm not eating. I just. get Hershey's. Yeah. Amazon, Banana Bread, Brazilian Bake, Lottery,

Shopify, Lash Tech. Who's getting their. lashes done every five seconds? Amazon. Paramount. It's not Lash F. It's just. like the cheap ones that she probably. she goes and buy on Amazon cuz she used. to do her. Panda Express. Yeah. Wait. Chocolate. Brazilian bake. Amazon. Chocolate. Chocolate. I'm. chocolate. Chocolate. I'm trying. Decor.

McDonald's. Amazon. Overdraft. There it. is. Chocolate. Chocolate. Amazon. Panda. Express. Chocolate. Rocket money. You don't even. have to pay for that. You get this. Yeah, I stopped saying that overdraft. Dude, this is stupid. You're playing on. your wife. No, it's not. I don't hear. your voice anymore. I'm I've. concluded the $5,000. We're going to the.

lottery twice. Thank we go to the. lottery on everying account except for. the one that she has, by the way. Well, this is hers. Oh, you're going to talk? Yeah. What are you talking about? What. are you going to say? The lottery is is. both of us, but I know she likes to. grumble a little bit. That's right. You. both like to just destroy everything if. we win. You're not a credit card person. If you're going to use a credit card, use a Fizz card cuz it's at least a. debit card that builds credit. You can't. have access to credit lines. This is so. dumb. You're 1 2 3 4 5 6 7 8 9 10 11 12. 13 14 15 individual debts. Damn. Yeah,

that's good. Let's see if there's even a. chance here. $10,7885 is what came in. Let's see your. debt and monthly payments. my. wife. And just to be clear, I don't what. it's not I don't want I don't want. people to think that I'm blaming only my. wife. But I just say what you want to. say. I just want you know maybe if we.

change she changed um work that will be. a little bit better. Oh you like getting. maybe a pay a paycheck that only like 15. days or make a little bit better. Your. debt minimum. payments. Your debt minimum payments, my. guy. Oh my god, my dude. $1,853.92. What is your rent one more. time? 1,700. 17. What about utilities on. a monthly basis? 100. Um, energy 100. Um, and water comes like 40.

That's it. Okay. Internet. Um, it's. already included on apartment. 140. Okay. Very good. Gas. Both of you maybe. $600 per month. Car insurance is both of. you. Um, right now is $450. Phone bill. $270. $66 is my mom. So, she paid me. She's. pay she paid me very like before. Well, that's calculating your income cuz we. calculated everything that came in. So, TP fund. Anything else to survive?

$200. Groceries. We have $600. Use the. cookbook that comes with the budgeting. app. Anything medical? Medical on a. monthly basis? No, just we have um. insurance for our cats. Gym $20. Okay. How much for the cats? Um insurance? $60. both? 60 each? No. Okay. Six both. Six. for both. Okay. Cat food? 120 per month. Anything else that needs to be in your. budget that I have not put in your.

budget? That is necessary for survival. Um our. car payments. I put all your debt in. there. insurance, car, rental. I'm. trying to remember here, but I think. that would be it. I I know like per. month I might need like $5,000 to. survive, maybe. Uh, no, buddy. Round up. It is literally by a couple dollars, basically 6,000, but. $5,993.92. But you still have left for.

money. There is no reason to be in this. debt. And that's why I'm going to just. [ __ ] nearly borderline just end this. Let's just call it $4,000. Get $500 of. fund. Sure. Sure. $500 to send to people. or $500 for fun. It is up to you, but. that's what I'll allow. You have $3,500. extra. Choose what to do with that $500. Okay, great. You have $60,000 of debt. Cool. $3,500. Good. It's done in 17 months, dude. This ising nothing. This There's. no reason to be in this debt. It is less. than a year and a half and you're out of. the debt and I gave you $500 of fun.

money, which everyone everyone who's. been on the show wishes they had. But it. doesn't Matt it doesn't Matt you'll have. a fully funed emergency fund and be. completely debtree within 2 years. I'ming done. I'ming done. We're going to. the post show. We're going to theinging. post show. You can join our membership. link in the description below. Hammer. Elite has more content than any other. YouTube membership and it's also one of. the largest memberships on this entire. platform and that is for a reason. confirmed by our internal sources. So.

make sure you join that. Best value for. your dollar. Hammer financial score. Spending in a budget, you overspend zero. out of 10. Debt, you have collections. and IRS debt. Zero out of 10. Mercy. fund. Nothing in saving. Zero out. Retirement nothing in there. Zero. Real. real estate. Zero. Even though there's. no reason cuz you have so much money. left over on a monthly basis. This is. the stupidest zero out of 10 in the. world. But you have a [ __ ] Amber. Financial Store. Zero out of 10 for. absolutely no reason whatsoever. Probably because you ruin your brain. with chocolate. Chocolate. Chocolate. Chocolate.

Chocolate. Chocolate. We're going to the post show. Chocolate. It's not [ __ ] It's not. Go. We're. going. Download the budgeting app. Sh. Download the budgeting app. See you in. the post show. Bye. Bye. Sh. I'm going to let you know. He blamed you. for all of them. It's not like that. You. think I am the problem and I'm not the. problem. And you don't help me too much. We start the conversation blaming me. I. am the one who pays for everything. What. do you think of uh your wife all of a.

sudden being like, "I'm a husband now.". That's not good.