Financial Audit's Most Toxic Couple

0:00This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online makes sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus. So good, so good, so good. Nordstrom Rack is celebrating 125 years of Nordstrom with 125 of the best deals up to 65% off in stores and online. They're only here while supplies last. So shop today. Great brands, great prices. That's why you rack. To watch episodes of Financial Auto a week earlier, check us out on YouTube. We're still together because I have nowhere to go. I mean, she gave you divorce papers, right? Yeah, I've received those. So we've gotten physical. What do you mean gotten physical? When did we get physical?

1:00He started to have sex with me and I kept telling him, no, no, no, no, no. Oh my god, no, no, no. Oh shit. Literally. This is the biggest bunch of bullshit you have ever heard this year. I swear to god. Oh, what happened? So I've launched this man off of me multiple times. She told my mom I was ****. Yeah, I sure did. I sure did. I find that it's ****. It sounds bad, but it's really bad. It sounds bad. Oh, it sounds bad, but it really is. He always gets intense. Do you forgive him forever? No. Dollar wise is about to launch its biggest update ever. My team and I have been working day and night and in the next few weeks, Dollar wise Web goes live. For the first time, Dollar wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar wise referral games with real money and huge prizes. You do not want to miss this. I'm a Dollar wise using the link below and create your account now because when the Dollar wise update drops, the games begin. I want you to be on the next episode of Financial Outlet right here in Austin, Texas.

2:03If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below. Hi, I'm Caitlin. I'm 28 years old. I'm Tim. I'm 30 years old and we're from Clarksfield, Tennessee. And this is Financial Outlet. Well, what do you do, Caitlin, for a living? I am currently a nurse and I'm currently in school to get my... Nurse, make money. Oh, but you're in school for what? To get my bachelor's. A nursing? Yes. So you're not like a nurse? No, I'm a nurse. No, I'm a nurse. Just LPN. I mean, it's LVN in Texas, but I'm really? Really? Yes. So what do you make? So right now I'm doing agency nursing, so it's kind of like contractor work. So I don't go for anything less than 32 an hour. How much do you make? Okay. Huh? So how much do you make?

3:04I make like 39,400 per shift. Okay. Okay. Good, good, good. What do you make per paycheck cycle? What's that paycheck cycle? What do you bring? Home. What's happening? I don't get a paycheck. I get instant pay. Once I do the shift. I get paid. How much instant pay do you get a month? Girl. I don't know. For sake. Okay. How many shifts do you work a week? Average. Average. Average. Assault average. I work three shifts a week. Okay, very good. How much do you get per shift? 398 to 400. We'll call it 395 times three. Okay. And you work 50. Do you get paid? No, it's per shift. So you don't give a vacation time, right? Are you? No. Okay. Take off a ear. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block or finally break down that long article you've had

4:05open for weeks. Gemini and Chrome is here for it. Ready to make anything online makes sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus. A lot, because. Oh, okay. Okay. No, no, no, no, no. Let's say if you've worked and we just did 50 weeks, there's months for it's $0.00. I bet. I'm going to divide it by two. I'm going to say you make, let's call it $4,900 a month if you just work. No. Of course not. No, it makes $1500. And that's because we're going on vacation. So, like, it's like, you're going on vacation three weeks a month? No, it's literally like, so that your math doesn't make sense. Two weeks a month? I would say the average is like, like 600. It's a hundred what? $1 per month. For me? There's months where you don't work. That's two shifts. She does two shifts a month. Some months? Yeah. Some months. It's just. You're allowed to just not be. She straight up. Yeah, they post a shift and I bid on it.

5:06You work two shifts a month? No. That's what he's saying. I don't know what he's talking about. I will work three shifts a week, but if I have a big test coming up, I'll take off two weeks before that test. That could be fair, but that's rare. That's why a couple times a semester, maybe midterms. No, I have to take three big exams. Okay, so three times a semester. Oh no. Okay. So, what are you getting to? How are you getting to? I don't know what the real answer is. I don't know what to put down. Guess I'm, well, definitely the last month has been like, what? I mean, I mean, shifts are your work. Well, I'm talking average. Going forward especially because I mean, with what she was telling me. Okay, I'll call it five. A month? A month. A shift, you said? Between, hello. 395, 395 times five. Yeah. So, 2000 a month. I just feel like that's given us too much money. Is it? Yeah, honestly. Okay, honestly, it doesn't sound like an us though. I don't know why she, did we capture that moment, Mark? But okay, so maybe I don't even know you to repeat it then. The whole thing, or I don't need you to.

6:07What are your no-nose? Do you mind if I talk to you by myself? About no-nose? Yeah, okay, that's fine. Sure. Yeah. Okay, no one's ever done that before. I just sat down so I think I'm going to get you to leave because I'm comfy. You're my guests. Understandable. Okay, yeah, what are your no-nose? First big dinner. Why don't you want him to leave? Because I'm so weird. I've never had that happen. So I have given him to force paperwork and told him that I'm very, very serious about this. We've been fighting a lot. I have no idea about anything with finances. So this is kind of like my, please help me. And I don't know what he's got going on on his side. I'll definitely try my best. Yeah, I mean, okay, there's a lot of things here. We've been on a half. I mean, we'll definitely, okay, yeah, sure, sure, sure, sure. Well, how's that unknown? What's the no-no? Not really anything. I just wanted to talk to you by myself.

7:08Okay. I mean, she gave you divorce papers, right? Yeah, I've received those. You've received those. I would say so. So I don't think it's a Wii. This still Wii. House is still Wii. You just got divorce papers. We're not divorced. We're not divorced together. Usually when the divorce paper happens, we like, you know, separate and, you know, fuck a little, but that's pretty much it. We're still together because I have nowhere to go. So I told him. So you would actually prefer to be clear. She is not a prisoner. You'd be clear if you had somewhere to go, you would very much not be next to him. Yeah, I told him the last time we got into a fight. I said, if I had a relationship with my parents, I would not be coming home. She did say that. You know, if you like worked, what did we do? Is this five shifts, four shifts? Did we do five shifts? Five. If you worked 10 shifts, you could have four plays. Yes. I think that's more of a personal choice than you're right. You served the divorce papers to him. Yes.

8:09Yes. You made that choice, huh? They were not filled out. They were blank. Yeah, they were blank. It was a threat. A threat. It wasn't a threat. Okay. See, that's different than what she told me before. She said, oh, no, no, no, no. Well, I told her, fill them out. And she filled them out. So you were all down for the divorce. I was just responding. 30, 28. Okay. Okay. Okay. Okay. I learned about that in a second. What do you do? I work for the Department of Transportation. What? For the state. Yeah. That's the way I did it. Okay. Doing what? It might be telling the roadways, plowsnow, when it comes down. Six weeks ago. Yes, you do. Yes, you do. Okay. You're not the decision maker. Very good. What do you make? It's not always snowing and I don't know. Yeah. So average is entirely salary. Sure. Now we get like one snow here, like 60, 60. Okay. Well, it's your account per month average. What's 18, 100 plus 15, 100? Yeah.

9:09It's like, six. Very close, but that's not it. Let's go to Gary. Oh, 18 plus 15, you said? Yeah. The much extra always a sign. Okay. If they're always the same, that's actually good. That's consistent. Maybe, you know, we want a little more, but there might be like, yeah, I ran it down. There might be like throw. You guys close to Nashville? Is this close to Nashville? Yeah. So, yeah, yeah. So, it's definitely not, I mean, it's gone up in the cost of living for sure if we're comparing it to many places. Yeah. Okay. Okay. Well, that gives us household income. But again, we're not a household. I'm confused. So, if she left, how would you pay your bills? Would you be able to pay your bills? Okay. Listen, listen. I gave him the divorce paper work and I said, you get your sh** together or as soon as I graduate, I'm leaving. It doesn't make any sense. But, but that is not, see, maybe you shouldn't have told me before we started filming because that just contradicts everything. Well, no, no, hold on. Let me finish. But I will pay for him to finish his schooling because he's in nursing school right now. But you didn't tell me if he gets a sh** together. You told me you handed him the divorce paper. No, I said, you have to have, because I said if you get your sh** together, if you don't

10:14get your sh** together, we're done. That's what you told me before we, exactly what I told you. I must have missed it because I was just trying to like get in here and get, you just hit me out of the gate. Hell yeah. If that's how it's like in the marriage, I'd get divorced too. Get home after a long day's work and she's like, I need to talk to you privately. I mean, I don't agree or disagree, but you know, really trying to protect yourself there. Absolutely. How long have we been married? We've been together 10 years, been married since either 21 or 22, 2022. You know? I don't know exactly what we got married. How everyone knows when they got married. Now we got married twice. Not divorced. Not divorced. Not divorced. Not divorced. You separate, celebrate. So much we love each other. Except divorce papers were handed. Is a threat. That doesn't make sense. It's like, okay, what the f***? So that's why you want your finances figured out together. I may have missed that part. For some reason, I was thinking like you wanted, because these are all intermingled, for sure. Oh, yeah. Okay, so yeah, it's going to be complicated.

11:14I thought you wanted me to do like a separate budget or something so you could get the f*** out of there. No, we're done. But this doesn't line up because again, she just said if she could afford living her on her own or if she had relationship with her parents, she'd go there. I'm sure she felt like it for about 30 minutes, but she just said it here. If you don't get a sh** together, I'm just going to stop. What is sh** together? I like he's so mean to me. He's so mean to me. Okay, fine. Let's get into it. Let's get into it. Okay. Okay, so if you made for maybe four years, maybe five years, who knows when we got married? Why did you go and get those papers? Tell me what is going on. Tell me what's up. Okay. So we have this big issue where I feel like he is a straight asshole to me and he does not recognize it. And then when I'm like, hey, you're kind of a asshole. And he's like, no, I'm not. This is what you did 10 years ago. I deserve to be an asshole. Well, tell me how he's been an asshole though.

12:14I do need more details in this conversation. So we've gotten physical. Oh, my f***. Well, that's different than being an asshole. What do you mean gotten physical? When did we get physical? We've gotten physical a few times. A few times. Tell me about the first one. So the first one was when we, it was a few years ago, this guy lived behind his house. He was beating the shit out of his girlfriend. So I, what happens in Clark's full tendency? What the f*** are we doing? I went to that guy's house, went inside and was like, if you want to beat the shit out of anybody, beat the shit out of me. Are you very intoxicated? But all the cops, you're not a cop. I mean, yeah, that makes sense. But at the time, what am I supposed to do? Just like sit there and be like, all the cops, you're not a cop. But fun. What? She committed a rule number one. Yeah. Well, okay, not just that, but isn't rule number one not to like put yourself in danger when someone else is in danger when you're the toughest mother of the throne earth? Also, yeah. I mean, I had a lot of liquid confidence in me.

13:17Time. What time? It was like, I got it. Oh, sundown. Okay. I'm not laughing. Well, that doesn't sound like him beating you to be clear, but come on. So I went in there, throwing all the shit around. He comes in there. He literally drags me out of this house. The other guy. No, him. No, me. Oh. Somebody's house. And then I got a little bit more angry, started throwing stuff, broke some windows on a car. Who's car? The guy's car. Okay, you're f*** crazy. I don't know what to, I thought you were just trying to separate the woman from a dangerous situation. I was. Now you drive away and get people's cars. Okay, go on. And then I pretty met, I mean, I was throwing. So I was like, Q, you're supposed to be on my side and he's like, no, Q, you're acting crazy. And I pushed him and he like grabbed me. Grabbed me. Yeah, he grabbed me. He was a quick reaction. What's your preference? Is quick, is it happen? Is it as quick as it didn't happen? Is it? And then I took it. And then I like, I was like, it was piss me off. Like, she just slapped a shit out of me. And I'm trying to keep her from going to jail.

14:19So when she slapped shit out of me, I just. And then I dropped it. Michael, you can't beat your wife. Of course I can. I have over five million pounds. Well, listen, I wouldn't grab her throw. It's like, I'd withstand it. It was a quick reaction. But again, that is just like the type of physical thing I'm like concerned about because you were trying to get her out of a dangerous situation. I'm trying to keep her from going to jail. Tell me what's the next one because you said there's a few. You do the next one because I can't really. No, you put this on me. You said I'm abusive. Like, abusive. I didn't say it. Are you telling people she's abusive? No, I'm just. I told you that I play hands. Okay. So and then it's insinuating at the very least. That is a dangerous insinuation to make. Well, I always tell me about the next time. So the next time we were arguing about something, I don't know. And I said, I hate you so much. And I pushed him. And then he pushed me because I just, I don't know. No, I don't. I don't remember. I get so mad. She gets full of rage. I don't remember why the argument started. But it turned into her hitting me in the chest like 4, 5, 6, 7, 8, 9 times.

15:20And I'm like, you know what? This I pushed her off of me. I got to walk away. She pushes me in the back, piss me off. Turn around. I grab her, put her on the bed. I've been her down. It sounds bad, but it's really. It sounds bad. Oh, it sounds bad, but it really isn't. How is it ain't? Because I finished the story. And you're like, oh, yeah, I think they bet. So been her down. And I'm like, dude, just quit. And I get off of her. And I get to walk away and I get pushed. I get pushed in the back again, right? He makes everything worse. He makes everything worse. She's not just quiet. Like, please, get off of me. He's like, you're crazy. And I am like, no, I'm not. I'm fully defending myself. That's why I get so mad. I don't know how I talk during it. Because honestly, I just go into a blank. But anyway, that's not good. That's where people abuse each other. That's where. Like literal abuse. And you just see nothing but red. Well, I mean, I like this. Like, that's not good. That's where people abuse each other. Like literal abuse. So if we're talking abuse, that is literal abuse. And you just see nothing but red. Well, I mean, like that's a magic book. He's sound like it. She pushed me. Tell me not. Because it's not. Like, it's hard to explain. Like, well, you tell me then.

16:22He always gets intense. Well, he's making us have like nothing happen. I don't like this. I don't like this. This is intense to her. Right now, I'm screaming. And this is aggressive. Fine, you tell your side then. So my side is I'm trying to explain, hey, you did something that I really did not like. And then it turns into, no, I didn't. You always do this. Oh, my bad. You always say that I'm doing something. And then I get mad because I'm like, you mother. Like, listen to me. I'm trying to tell you what you're doing and you're not listening. You're putting it back on me. She thinks that I take her. Or even said she wants to start and make him about me. But really it's just a debate. Like we just debate. Like, well, listen, I wouldn't be too concerned about these things in the past that are turning our relationship into things have been better. But I know for a fact, just from looking over from what Devin was telling me, your biggest fight was from a few weeks ago. Yeah. So that is dramatically concerning. Was that before, after Dearing Divorce paper? That is before and right before that. Yeah, right after I printed that.

17:22And that is what interests me. That's what we are today. Tell me. That would what the fuck happened. She said, we're just pissed at each other, right? Do you want to go where you want me to go? I'll go. And then in a relationship gets pissed at each other. Not everyone in a relationship puts hands on each other. And it starts seeing red and throwing people around and then backing off and saying, I wasn't that bad. Come on. And you know, every time I get into a conversation with my friends about it, they're like, he's kind of abusive. You need to leave and I'm like, he's not. Well, now you're seeing it. So I feel like I'm starting it every time. So she takes you to her friends, what you shouldn't do. It depends the escalation. I mean, if you start an argument, but it gets physical on the other side, that's not you starting something abusive. So now that, right? But yes, if you lay hands first, that is you starting it, but if the other person escalates it to more physical violence, it's still wrong on the other end. Yeah. So what do your parents, what do your friends say to abusive? They tell me that he isolates me, that he allows things to get too far, that I deserve

18:22better. He isolates you. What's the argument there? So I barely have any friends. Well, these are your friends you're talking to and they say he isolates me. Why did they say that? Well, because like any time I go out with my friends, it always turns into an issue of, oh, don't spend any money. When are you coming home? And I feel like I can't ever go out anywhere without him being my shadow. I'm just asking questions, like just basic questions of wanting to know what's going on. What? Like, when are you coming home? Where are you hanging out with? Where are you? Where are you? There are better not be a guy there. Why are you going into it like that? Because I'm insecure, but I don't do it the way she keeps you. Why are you insecure about her being around to dude? Well, you think she can't keep her legs closed? I mean. And that pisses me off of you. What that's insane. What is that reaction for? You think I'm a whore? I don't think you're a whore. I think you do whoreish things. What? Brother, you have way more evidence on you for cheating than I ever had. Oh, you were able to say that.

19:23Oh, every financial ordered episode ever. Oh, my, I didn't even get to hear what happened a couple of weeks ago. But how are you saying she's a whore? Horish. What? Ish. If you're insecure, is it logical or not? Has she ever, anybody else know? Has she ever ran her hands up and down somebody else's body? Yes. Jason, to our relationship, we went to a party. I got super drunk and a parent, I don't even remember what the f*** happened. But this guy, we were trying to get this guy hooked up with another girl. And I was like, hey, but that literally was 10 years ago. So what's your issue? You can never rebuild trust in 10 years. A lot of trust her, but no, you don't. You're asking, they're saying don't have guys around. Yeah, I guess I trust her to an extent. So yeah, I'm a little scared and I'm a little insecure. That's a light extent. Your insecurity is not her problem, though. It shouldn't be. That's yours deal with your own shit, man. Got a f*** therapy. What is wrong with you? She can't have friends. That is a little isolating. If you're like pestering her crazy, that she can't do anything.

20:24Yeah, it is a little. It's not like the full isolation. Like, oh, you can't be friends with your family. She makes you sound like so bad. Like she takes, let's just say my symptoms, what I do. And then she's like, how can I make this 100 times worse? Oh, you said there's more evidence on his side. What? So there's screenshot. Oh, you get two screenshots of a group conversation. Literally like six people. Go on. And apparently him and this girl, I don't even know what the f***. I don't remember what kind of discord it was, but it first started off with, he sent a picture of him holding our dog and you can see the back of his head. And then I guess she sent a picture in the conversation. Yes, it is a group conversation, but they were the only two talking to each other. Not sure, that's why it's a group. Not sure, that's why it's a group. And she deleted her picture out of the chat and he kept his blah, blah, blah, whatever. And then a conversation was going on about, oh, are you really a girl? And this mother said, can confirm he's a girl seeing the back of her head or can confirm

21:25she's a girl. I have seen the back of her head. She posted a picture of the back of her head like I'm not I literally evidence of him cheating. Yes. No. And then it gets even better because he's mind you in real life. He's not talking to me barely. He's on his phone 24 seven. That's why I brought you. You don't talk to your wife. I was on some other shit and she was a part of it. Like you were little. I was not in that group. That was a, okay, it was a discord group where these people were like able to, they had AI or some shit to scan the internet. Fine. And I just bought you all the time. And inappropriate jokes. Like she's like, I'm 21 years old. I need to, I have to go babysit someone and he's like, oh, I've seen this before on. All group conversations. And I'm on Judzai. It's a group chase from. Yeah, but the thing is is like you're spending more time talking to these people. Okay. Now that's an issue specifically that, well, can not about the girl. It's not about the girl. See, that's where you lose me.

22:25That's where you lose me, man. I understand if you have an argument that you want him to focus more time on you instead of the friendship. So that's the same argument he's basically having as well. You're being weird with the girls in the group chat, or girls in the group chat. And he's being weird with you not being able to close your legs even though you like touch someone's arm 10 years ago. You guys are both insecure, you can freeze. That's not the only one. Okay, then give me something to act that actually matters. There was another time I was at my friend's house and this is going to make me sound crazy, but I logged into his Facebook and I went to his activity log and he had done, went through this girl's profile like, like, like, like, like, like all her pictures. And when I said, what the, are you doing liking this girl's pictures like this? Like your spam liking her. He said, Oh, that was my friend. He had my phone and he got on my Facebook and went to some random girls. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle

23:26from a 50 page restoration block or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online makes sense? There's no place like Chrome. Check responses set up required compatibility and availability. Very 18 plus Facebook and just started liking everything. Like what? You ain't ever do some dumb shit like that when you were like 18 to a buddy and like, the buddy. I didn't do it. I mean, they did. I'm more than enough. I'm working on a factory like a hot ass factory. They're ain't shit to do by drive forklifts and mess with each other. So he's like, man, let me see your phone. He had like a cricket phone and he had no minutes. So I let him use my phone to look at Facebook and he gets on my Facebook and goes and likes a bunch of pictures on some girl that he knows and my all whatever. Yeah, but I mean, like, how can I defend myself on that if I can't believe it? I can't. Yeah, exactly. I can't believe it. Did you ever talk to the friend? No. No, why was she fine evidence? Like, she just going to make her beliefs stand on them and make them a hundred times worse.

24:29But that's weird, right? That's weird. It's it leans towards weird, but it's not like a gregia. So I mean, if you've seen that kind of shit that people actually do do each other and I'm just showing a 10 years ago. Yeah. Oh, it's 10 years ago. Like you said, 10 years ago. It was time it don't matter. Time don't matter. It's just a liking thing. Wait, huh? Yeah. I don't think what either of you did is that pick of a deal, dude. I don't know either. But why are you, but no, no, no, no, what is a big deal is both of you crash out about it. It's insane how you treat each other and the insecurities you guys have. What the fuck? I get each other's problems like crazy. I really am not that insecure with him. What? No, I really not. I really not. It's because he's always like your eating. You can't be with men. You can't work out of jail. You see, why are you saying that? That's crazy because you touched someone's arm 10 years ago. You're accusing her of being a cheater. She can't have jobs. I didn't have a problem with the jobs. I had a problem with the job. No, he has a problem with the job because what's the job?

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28:33That's illegal. I wouldn't want you working there either of all your co-workers. I was making the most money there. And what? Yeah, but it was like everyone you worked with was taking a bet on when they could give you not to know. I did not know that was going on. Yes, you did. You just admitted that to me. Shut up. How do we find out about it then if you didn't know? Because I posted something on Facebook talking about this guy keeps trying to add me on Facebook and how it's embarrassing that he keeps rescinding his friend request. And then these girls that I worked with were like, hey, by the way, they definitely had a bet going on on Who Good Crack First. And that's when I was like, what the fuck? Yeah, that she told me that she already knew that because I don't know if you told me that to try to hurt my feelings because it was already, but you told me you already knew that. I didn't know about the best. It's in my text that you already knew that. I didn't say I already said you enjoyed the attention. No, I, okay, let me pause there. I said I knew there were men at that jail who liked me in that way. And as a woman who's very self conscious and low self-esteem, yeah, a little bit of

29:39attention. Yes. So a little bit of attention is nice a little bit. I'm not out there like, oh my god. No, it's nice. No, it's fine. I think attention is good. I think about a bet crack. A bet crack is kind of a crack bet. Yeah, that's kind of crazy. That is crazy. Yes, it's good to get attention. And I also don't know why they chose the fat one to be the crack bet, but I'm not that fat. No, you're a beast, but not super obese. I have a measure of that. No, not morbidly. No, it's good. No, it's good. I'm not saying that in terms of it's like, aren't you feeling? But like, I would say to a man, we should say it to a woman too, your obese, I'm obese. Okay, very good. Equality. But I'm not like beating you over the head with it. But that's the only one in Facebook. She's got like six Facebook. Okay, I don't have six Facebooks. I have two other Facebooks. Six Facebooks. I don't know. Six messages, four TikToks. I don't even know how many Snapchat. One main Facebook. She claims she don't have Instagram, but she literally has Instagram on her phone. Okay, but Instagram is different accounts. Instagram is from my high school.

30:39Literally, I have not posted anything. I don't even care about the single Instagram. Multiple Snapchat's is freaky. I do not have multiple Snapchat's. Why do you say that then? Why do you say that? I don't know if it's true or false, but she has many of everything. So why wouldn't, why don't I have many of everything? I have to use in baseless things. Yes. I have two other Facebooks. One. One. Why didn't I made? Because when we were going through issues with somebody, I was blocked on my personal Facebook. So I was using. You're free. Just talk her. But we won the case, didn't we? I don't know. Yes. Yes, I can't go into it. But there is. Okay. That's one of the drama. Person's page and I was getting information from that false Facebook. And yes, I still have it. And then I tried to change my email on my now Facebook. And apparently I made a Facebook back in middle school. And now I'm in. And what about the multiple TikToks? Like that is weird. Multiple TikToks, that's accidental. Because every time I've been logged out of TikTok, I try to look at it. Multiple TikToks, maybe multiple Snapchat's. No, multiple Snapchat's. Listen, I swall for my iPhone to Android.

31:41Now I'm like, damn, I gotta get back on my TikTok. But you had it. I got a log in on my TikTok. Now he has two TikToks. And it brings up some shit she'd have made. So I'm like, damn, what information is even on my TikTok? My email and my phone number are tied to two different fake TikToks that she's made. I can't even get my old TikTok. And when she leaves the house or does all this shit or whatever she's doing, she cuts off her life 360. So I just can't see where she goes. Why? Yeah, because I'm mad. Okay. That does get a bit sketchy. I'm sorry. That's spiteful. I mean, like, listen, I was fully on your side for his, he was being incredibly insecure. And I think I'm, I probably still on your side, but it's getting a little more weird. She's creating a weird- Turn it off for life 360 when you leave. Last time that happened, that episode's not out yet, probably before you guys, but every time she did, she was getting railed. We found something like that. I'm not, because I'm leaving. I'm turning my lip to an awesome thing. Why are you turning it off? So he does not follow me. He does not follow me. I'm not going to follow. So I do want him to be mad. I'm mad. Whenever he pisses me off enough, who make me leave the house, I'm in the mode of, okay,

32:45now I'm going to hurt you, because you hurt me and you're not listening to me. So I turn my life 360 off. So that way he is at home thinking, whatever. Are you playing games? And what healthy marriages games going to work? It's not. It's not going to work. So you think he's going to follow you? Yes. I'm going to wake up my three-year-old, that's dead of sleep. Dress him, put him in a car seat, and then follow her. Like, what? So it's always in the middle of the night? No. The last time I left, it was in the middle of the day, and I literally was texting him. No, last time you left, it was in the middle of the night, and you wound up at damn like Jack in the box parking lot. That's why. Is she dead? She can't. No, I was sleeping. She said, I was coming home. In Jack in the box? Yes. I went to the parking lot. It's a well lit parking lot, where it's a lot of like, please. He's traffic. No, no, no. Does this? Because I didn't want to be home. She was eating Jack in the box and staying, telling me she wouldn't come home. Hey, come home with a shit ton of Jack in the box. On everyone's favorite Ham Relie show, Fat and Fatter, we did Jack in the box, and it is

33:46the best restaurant I've ever had. It's for Stone, it's better. We got a lot of good food. Anyway, so I get that. Don't get the sleeping in the Jack in the box. Nobody does that. It wasn't in the Jack in the box parking lot. It was. It was next to it. So it was like, three-six. We're Jack in the box. No, no, no. People get a motel. Hold on, I got a picture. You have friends. She said money. No, I don't really have friends. Then how are your friends that don't exist telling you that he's abusive? Because I have a mind-sac- Because we had a fight about a chicken coop, and that's the one that she had. What? What are we talking about? We live in the country. Two weeks ago, this, the reason why I was in the fight was the chicken coop. Yes, so this is the one. Okay, sure. Let's get back to the fight. Oh, you guys are all over the place. Whoooo! What? What? She feels like it's the most serious because one time only, this is in 10 years, I left and went to my mom's house. That was a huge mistake on my part, apparently. Why? Well, I don't know. She can talk to her for instance, but I can't go to my mom. She can't go to his mom's house?

34:46My mom was a mild down the road. Like, it's not like I just took off. You know, I go to my mom's. You already been to my mom's by that point. Yeah, I already... Yeah, she'd already been a... My mom was afraid, literally afraid, because she told her, I can't leave dinner in the car, I've got a gun in the car. My mom was literally scared to see what was happening. She was like, gun on me. Wait, what was happening? Guys, what the f***? What happened? That's what I'm saying, that's what I'm trying to think about. Why would we fight? Yeah, I was with Shutty, Sup, and let me talk. Okay, so we gone to a fight. This mother f*** went to the store and bought me chickens to make up from the fight. We don't have a f***ing chicken cube. We don't have any chicken food. What was the something she was asking for? For years. Oh, okay, so it was at least something that wasn't... It wasn't a f***ing random. It was a f***ing random. It was... It may have been a random time to buy it, but the purchase subject wasn't random. The purchase... I go inside, I go to sleep, whatever. We wake up the next morning, and stuff happened, and then we went to the bathroom. What happened?

35:46He started to have sex with me, and I kept telling him, no, no, no, no. Oh, no, no, no. This is the bullshit. Literally. This is the biggest bunch of bullshit you have ever heard this year. I swear to God. I... He won't do. What? Go ahead. Go ahead, and I will follow. Go ahead. So I've launched this man off of me multiple times. He finishes whatever he's doing, and he's like, wait, were you even into that? And I was like, f***ing you. No, I wasn't. I was telling you know the whole thing. She told my mom I was... Yeah, I sure did. I sure did. I'm fine. That is... Consensual, non-consent is her favorite thing. No, it's not mine. We didn't just jump straight in. I didn't jump straight into it. But I never said, hey, let's have some C and C. Basically did. No, I didn't. I didn't say anything, but no. I don't want to have sex. That's not how I started. It started with us cuddling, literally for like 20 minutes, and you kept bouncing your ass off of me. No, I wasn't. Is that not always turning to sex when you're talking? I literally woke up his topic.

36:47It's always something. I'm not really. So that's what it was. But can't be removed at any time, my friend. Well, but she... But CNC complicates things. It's hard to read. In CNC is a say for it, typically. Yes. Did not have a cypher plan it. No, we'll be the ones in CNC. That's relationship to relationship. Depends, what did you guys discuss and agree as a whole? Nothing, there was no discussion. It was just, okay, so that is confused. We're spur of the moment. We've never been... I would have probably clarified personally. I mean, I'm literally kicking this man in the chest, kicking him off of me and telling him no, no. That's when I realized. I agreed. I realized. But... Well, she said you finished. Yeah, but that's when I realized. After. After he finished and then I get up and I'm going to the bathroom and he said, oh, were you even into that? Literally, this 10 years has happened one time. That's how I know I'm not right. Because CNC, it's like you know they're into that because there's discussion. Because we've, I mean, usually... We've never done... We've never actually played out a CNC. Yes, we have. Then what? Then what were you getting out of it?

37:47Nine times out of 10 is aggressive. So I mean, there was basically the same but different. So that happened? What made you do that so different that morning? Another thing. Every time that we've gone to sleep, mad, we literally wake up in a good mood, fine, where you just start today. Yeah. Okay. So I'm thinking it's the same damn thing. I literally get up, take care of the dogs, come back, lay, cuddle up next to her. And it was like 10 minutes of ass bouncing. No, I never... That's right. What is applied consent, which despite where Reddit and TikTok and non-frontal load developed to think is an actual form of consent, however, consent can be removed at any time. I just didn't realize it. Well, I'm sorry. Kicking and saying, no, I don't want to is removal. And CNC, like you said, nothing was established. So CNC is great. But there's clear things that need to be established first. If it's always CNC free, you CNC, that's where there's like a safe word. And that's where we... We didn't have that because you guys also didn't establish that you were in free use CNC.

38:51It wasn't CNC any time. We weren't professionals. We just thought we were. So now, now we know. Now I know. Now you know. I mean, it is complicated. The reality is you technically did per... But for her to 10 years, one incident, it didn't hurt to go to my mom's house and literally scream at the top of her lungs in a neighborhood that... It turns to be very clear. So it was done. It was done. It finished? Well, he finished. You immediately got in the car and drove to his mom's house? No. No, I got in the shower. And he decided to come in there while I was taking a shower. And he's like, you know, what's wrong? And I'm like, I'm still pissed because of everything that happened last night. Like I just injured myself. I just moved this big ass fence tried to. And you, as a man, stood there and watched me. You let me do... This episode is brought to you by Google Chrome. You think you know a browser. But Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block.

39:52Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus. I was letting you finish. Get it, whatever the... And because I said, as a man, you sat there and let me struggle and not help me because you were in a petty ass mood about... Because I didn't... You bring the shed down. Yeah, it's... I mean, it's not the greatest. It's not as important as what happened that morning, but go on. So... And then I did bring up the whole... And... It's crazy. We just got... We got to argue in. And then... I mean, you did... Just crazy. I mean, that is the actual word. But like, if... You know, starting years, it just becomes... All of a sudden, with their wife, they've been together for 10 years. Because the wife can say no. Yeah, but... I didn't know. I know. It's more complicated than Reddit and Twitter will allow it to be in TikTok. It is. That is technically what happened if we're black and white.

40:55And yes, it's more complicated than it is. I mean, again, if you guys like moved beyond it and you had like a corrective talk afterwards, like, yo, that, like, what the... Yeah, and you guys moved... And you guys moved beyond it. That's okay. You guys can do that. But it is technically still something that happened. But it should... I shouldn't carry that lightboard through my life. Probably not if you guys have like moved beyond it. Right? No, I agree. I think that... But let's also acknowledge the fact that that is actually what happened, probably. Yes. And in that helmet, that's how I... And yes, complicated. More complicated than the black and white that the internet will allow it to be. But... You did not want it, correct? Correct. You were hinging them off. Correct. And you kept going. He kept going. That's... Literally launch. You guys... Or in a relationship. If you guys have established that... Okay. There was... It was complicated. I didn't know. We've had CNC discussions. And, you know, we failed that obviously setting boundaries there. Okay. Let's move beyond in. Here's real rules. Okay?

41:55You guys do that? No, we're not just going to stay here and just keep beating you for the rest of your life. Yeah. I may have it when... And we thought... If she wants to, she can. Say hi, can you tell... Is that I start talking? She started talking. Anyway, so... I was in the shower and... I'm not... blah, blah, blah, blah. And then I was telling them... A, B, and C. This is why I'm at it you. This is why I'm at this morning. You as a man stood there. Let me do all this. You didn't help me. I think that's wrong on your part. And then he... I want to see... And that makes me almost think maybe... I mean, I'm on the side that it probably was. But... Damn, I thought we would move in there. But like... But like, was it if the thing she's even more upset about is the fact that she didn't help her move something very good? No, no. So it's like... I was... No, no. I'm not gonna fence it and not make a conclusion. So I literally just said that... Well, I was in the shower. We were talking about the sexual thing. And then I was also telling them like, this is why I'm at it you... He got mad. He said, well, you're f***ing useless. I got mad at that and I slapped him.

42:57Very nice. And then he pushed me. Oh, well, you physical art... Yes, I did start it. I started it. I started it. Like, was this like a... Yeah, it was... That's crazy. You're... You're abusive. That's on our labels. I mean... Yeah, you're an insulter. You're an abuser. Yes. Listen, he called me useless and that like... Which means... And person working in a prison, if you like can't control yourself like that. Well, I don't have interactions with inmates like that. Oh, okay. It's better than... Yeah. Okay, go on. Go on. So you hit him. And then he pushed me. I pushed him back and then he pushed me up against the wall and to get away from the situation. I bit him on the chin apparently so hard. It does. Can I bid? What is he pinning you? Yes. I'm trying to control her like... Stop. No, I kind of understand what you're doing, but she reacted that way because she felt pinned. Yeah. So how come every time I try to leave the bathroom, you throw shit at me? Like every time I try to walk away twice, try to walk away, I get shit at the phone at me.

43:57That's why I turn around. I don't care as much about all this. If you guys didn't say there was a kid. There was one's our son walked in. That's... Yes, there was a kid. He's dead? No, he's alive. Oh, I see what you're saying. There is a kid. Oh, okay. Yeah. One kid. We f*** up with that. But... Well, there's one kid. Two kids, one wasn't home. No, one was home. She literally started. No, even guys' relationships have how many kids are there? Two. Okay, what are the ages? Three and 12. Okay. 12 year olds, not hers. It is, but it's not. No, I understand. I've raised it since you were two. You're alone in that old-round town. I get it. Yeah, I'm more young. It is what it is. Okay, you got away after biting this chin, I guess. And then our son came in and I literally just had the biggest epiphany where I was like, what the f*** are we doing? Yeah, you guys are f***ing fine. You know? Yeah. Hear this conversation so far about how crazy your relationship is. Yeah, I... So I was like, get the f*** away from me. You know, we got done. I gathered up my stuff. I gathered up our son. I went to his mom's house. Like leaving.

44:57Yeah, like leaving. No, she was going to pillow me. No, I was trying to leave. It was such an escalated situation that I knew the best result would be one of us leaving. So I left. I went to his mom's house. I went to his mom's house. As soon as I got to his mom's house, his mom's on the phone with him. I am still in like a panic mode. Like I'm still high anxiety, like freaking the f*** out. I get up there and I'm telling her, like, are you on the phone with him? And she's like, yeah, he's here already told me everything that happened. And I'm like, well, did he tell you that he f***ing f***ing me? And then she's like, I don't know, baby. I don't know what to do. And I was like, it's fine. I'm leaving. It is hard to put someone in an opposition. Yeah, the middle of like nothing. Like she had no idea what was going on. I literally called her and I'm like, yeah, I think I'm thinking of being a caglin about to get a divorce. And for what it's worth based on every conversation I've had on the show where people over sensationalize anything, I actually actively take the step of not believing all of them. It's really sad actually, but it's really pathetic what people have done since me too.

45:57Or I really want to be on the side. Luckily, I am 100% in your side because at least you guys agree on it. But the thing is, when I get the full picture, it's just like someone like grazed against someone's hand and they got crazy. And that's why that's why earlier I was saying whenever I... So I'm just seeing that as like, it's fair that your mom was like kind of like, whoa, okay. Yeah, but in my mind at that time, I was like, there's no help for me here. So my mind went, I have no help. If I were to leave this situation today, I have... Yeah, it's scary. No friends or family. Yes, you're a loser. You're a good girl. I know. This is a hard moment. I know. Good girl's crazy. I know. I'm getting used to it. So anyways, I was like, I literally have nowhere. Like, I don't have friends. I don't have family. So I don't know. But you have Caleb Hammer. I do have Caleb Hammer.

46:57And you could have come to the studio and we would have laid out for you a double-air mattress. Hell yeah, the Ashley brand. Anyway, so I was like, well, I don't have anybody. I don't have friends. I don't have a mom. So I f***ed off the teabin and deleted. Like, I went from like 1500 Facebook friends to now I have 528. Okay, quick question. Yeah. And all that. I was like, I'm feeling sad. I had my mom. What is with the world, Americans? And they're obsession with me. Okay. I mean, let's be clear. Got first instinct delete on my friends on Facebook. What is with you people in Facebook? Like, why is Facebook like, what are you? It's because I had my mom. I had my family on my Facebook. But there's so many things to do before deleting friends like go to a hotel. Yeah. Motel. Well, on broke. Yeah, but I mean, are you guys joined? Like, you said everything's in a time you could have taken, you could have spent money. Okay, so what happened at the end of that thing?

47:58Is that when you printed the papers? Yeah. Okay, well, I think fair took us 45 minutes to get. And now I understand why you opened like before we filmed with that because that's, whoo, it's crazy how much context actually delivered something. We wonder why we spend so much time on, you know, people context. Yeah. It actually does matter even if it's springer and, anyway, so yeah, I deleted everybody, gave them the papers. I said, listen, do you forgive him for what happened? No. But we, Shit. Because I was going to say don't cause him any real life consequences because I was expecting her to say yes, never mind. No, no, I don't. And he knows that I don't agree with any of it. How can you guys agree with it? I don't agree with it. Yeah, but you want to be together? Yeah. I do want to be together because. So when you said here's the papers, get your shit together. What can he do for you to not divorce at this point? So I told him since the very beginning of our relationship, I've been telling him you need to go to a doctor, you need to get on medicine, you have anger issues, you've got anxiety

49:00issues. Or you hit first as well though. Yes. I know. I have my issues, but he can attest. I have gone through leaps and bounds to fix my shit. Have you guys been to therapy together? Yeah. Yeah, once for. And one visit. He said he didn't like her. She gave me a busher day on print offs. I was supposed to do a little print off. I mean, maybe, I don't know. Okay, here's the thing. I'm blessed enough to be able to offer this now because it is hard to offer therapy and therapist and this isn't like a sponsor or a partnership. I have my own personal therapist that has helped me with things and another we're getting kind of to the end of our process. You know, you know, I started having a conversation. I was like, I wish you could help people like my guests like you. He's like, you know what? Let's do it. So I'm going to pay for you guys to go to my own personal therapist. We keep him anonymous. We call him Dr. D on the show. He's really good. He's not an enablement therapist, which I swear like 70% of them are these days. He'll tell you to shut the fuck up and you'll kick your ass verbally, okay?

50:02If you guys suck. So you clearly, you guys need help. But do you want to stay together after all of this? Yes, because literally he's my best friend. Like he's been there for me through a lot of hard shit. I've never had a friend. It's not been some of that hard shit though. He has, but he was with me when I went through like leaving my family completely and that took me months. Okay. I've seen people spend thousands of dollars trying to lose weight and the only thing they lost was the money. From gym memberships to suspicious powders, everything that fails becomes a recurring cost. It gets bigger and bigger. Kind of like you. If I needed an idiot-proof weight loss plan that shrank my waist instead of my wallet, here's where I'd start. Weight loss by hymns is designed to support you at every step of the process. And now hymns offers access to an affordable range of FDA-approved GLP-1 medications, including the Wigovie pill and the Wigovie pen. So you can lose the weight and finally keep it off.

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52:06It brings your financials, inventory, HR, and commerce all of it into one place, one source of truth. So your AI isn't just guessing, it actually knows what it's doing. It automates the boring stuff, gives you insights that make sense, and helps you make fast, confident, cost-cutting decisions. And with the new NetSuite AI connector, you can even plug in your favorite AI tools and ask it anything like, who your best customers are and how much inventory you're about to sit on forever. This isn't some duct taped on tool. It's real deal AI baked into the system that runs your business. If I had to run a large fast growing business, NetSuite would be my go-to. So whether you're making millions or just trying to, go to NetSuite.com slash hammer and download the free guide, demystifying AI. Alright, let's get back to the episode. That I hope we can get you guys together. Let's get to these finances and I have a feeling we're going to learn a lot more about your guys's floors. We go on, I just need to start getting through this stack. Shit. What do you guys think your household financial score is today? Zero to ten. Zero being the worst ten being the best. I got a 2.8. I would say zero.

53:06Alright, if you want to figure out your score, sounds like he did, go to kalehammer.com, take the assessment. It's free. Figure out where you stand in detailed categories. Check it out, kalehammer.com. And if you don't want to be like you guess who on something to show, make sure to download the Dolores budgeting app. It is the best budgeting app for the average American. It is so good. Check out a free trial. See if it works for you. Most people take the annual version after that because it saves nearly 50% on your money and you get the physical version of my 30-day meal plan signed by me, mail directly to you and the digital version of the cookbook as well. Guys, check that out. Dollywise.com or just download the app or go all those links in the description below. Okay. His mom's credit card. Okay. Why are we carrying about, why is this here? What am I doing with this? This mom's credit card. Not really much to do with it other than I, what does this have to do with it? I don't feel like, that's what I'm saying about her income. It's not right because we don't have enough money to pay everything. So my mom gives me her cord and I use it for gas and grocery.

54:07You're 30 years old. Your mother gives you your credit card to get gas and groceries. I mean, we went from making six figures to nothing because she's in school. Okay. What is the six figures situation when she was working with you? We were great. I was making it. I was like, another 60. So we was probably like 120. Okay. And we stopped that to go pursue nursing? Yeah. So I could first start. She was already a nurse, but advanced. Well, the thing is, once she's done with her nursing school, she actually works in you guys are together. You guys are going to make maybe even upward of together 200. Yeah. And I'm going to nurse in school too. Really? You're going to be a nurse. Yes. You can't see it. Isn't that crazy? I told him he would do great in corrections. Yeah. Maybe. I don't know. Just not in a women's prison. You don't have a crack battle, me. Shit. You don't want to be in the women's prison. They'll get you. He'll... No. They will... That's crazy. Oh. Okay. Crazy. I don't know why we're beating the day horse about me. I mean, I've been a drug dealer. I've been this. I've been that, but I ain't been a...

55:08This is in a $600 balance. This has $600 a month. What does this mean? What is like this mom's credit card? What do I put? That's most of our groceries and most of my guess. What's the balance? What do you owe her? I don't know. She said I don't know. Oh, come on. And she does $600 on her own credit card a month. And you give her nothing for it. She just pays for all this. No, he... For right now, yeah. I'll get her back. But how much we don't know. And we don't count amounts. We don't count amounts. I'm gonna get her back. She got me. Get her back in what way? Probably like gifts or something. Like... I'm gonna put down for this. It's not a dead. It's just what I'm having to... But $600 a month. I mean, it's a... I mean, it's a... Actually, it's $1200 a month. She does. She does. She pays for our son's daycare. We kind of afford her. We can afford it. It's not $1200. It's $600 plus $600 is $1200. A month? See, this is where I'm the only one that takes home the finances and I get... Why aren't you participating?

56:08Because I... Because what? Look how frustrated he's getting. Anytime we talk about finances, he gets frustrated and I don't... I don't understand what the hell's going on. Get okay, tell me... How do we... How do we do the finances in this house? Guys, give me some insight. Because clearly, it's a... Mass, obviously, you're not a part of it. But just like, what have we tried to do? What's happening? He... I'm sorry. He used to do it all the time. He's kind of stopped being as responsible. So you're kind of seeing like a roll switch with us. Where I'm kind of taking over the finances more. So you're getting then? I'm getting it. Like, I've got to access... And he was allowing this? Yeah. Yeah. Okay, so what's the issue? What are you talking about, Todd? He cut... I wanted to help the whole time. Why wasn't she? Because she just didn't know. I mean, she grew up where she didn't have to worry about finances or money. So, like, it stressed her out. So I... Yeah, it intimidated me. So I just let her be, you know, like, all right, whatever. But I'm not also... I'm not going out and spending a bunch of money.

57:08Like, if... Yeah, no, no, no, she won't spend money. So here are the spenders? Yes. What do you spend... Why? I don't know, coping against... Are you holding him accountable? What's happening? What are the conversations around the spending? I try to... I see bills are coming up. I can't see his bills, but like, my debit cards... Wait. That you guys said you're combined. We are combined. You don't have to... You're not seeing his stuff then. That doesn't make any sense. Because the way the app is set up, I only have my stuff and then he has his stuff. Can you see her stuff? Yeah. We can't see each other's credit cards, obviously, because we're not joined. But isn't that managing for spending, though? How can we budget if we don't owe our spendings going, guys? No, everything... Don't you want me to check in the account? Just checking, but you're not seeing what the spending is. What the categories are. Well, I know what my categories are, but... That's... I don't know where her is. She don't ever... Is that the point? I don't know. Yeah, that's another thing. I never leave the house. Is it the point for us budgeting? Together is knowing where the money is going. If she can't... You can see it. How do we know? Yeah, I get that part. That's true, but...

58:08I mean, what is she going to look at? Like, I bought gas. Maybe. She wouldn't know. But I wouldn't know. She wouldn't care. I just spent like, hey, why did you go to Walmart and spend $50, four days in a row? Because I'm picking up groceries on the way home. And I'm going to cook when I get there. And I grab a monster truck if I got a new one. I literally have no idea what his credit card amounts are. I know that my credit cards... I have one that got a little high and I was like freaking out. Because I was like, oh my... This episode is brought to you by Google Chrome. You think you know a browser. But Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online makes sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus. God, I've got student loans, I've got credit cards, I'm not going to be able to do this. And he's like 11,000.

59:08Those are rookie numbers. I just like, that's why. I just like rookie numbers. He says those are rookie numbers. I said that ain't shit online that we're literally living off of. So don't stress about it. It's fine. We have to do what we have to do in this moment until we graduate. What the fuck? So I have an Excel sheet for me. It has all the... It's not going to work just to in half. Exactly. And she just made like two weeks ago. No, I made it like... I've been on financial top of the world for the last year. No, I have not. But I have recently been more serious about it. Yeah, she has recently. Very recently. Yeah, I heard it. Listen, nothing that anyone does when they know they're coming on financial. No, we're not coming on financial out of house. He started doing all that before he applied. When did you guys apply? Like not even a month ago. You said you were starting to do this two weeks ago. That's right. She did start. She started before. But then it doesn't really count to me. Okay, so the mom thing, do I put that anywhere?

1:00:08What do I do with that? It's just more of like a... I feel... For having to do that. You should. To be confirmed. She spends $1,200. $1,200. You do nothing. In relation to that. No, he... In relation to that. Oh, yeah, yeah, yeah. For Diker. She does that. About like a quarter of the groceries, a quarter of my guess. And she doesn't throw it. But of the $1,200 you don't have to give her any pennies towards that. And because then you... I'm a bull. I'm a bull. You're not understanding my question. I'm just trying to note, take, how much I've been putting down for like minimum monthly payments and shit. No, no, just minimums. She spends the $1,200 and you give nothing back. Correct? Just put the enough. Thank you. So I'm just going to cross it out for f***. Because it doesn't even matter. Because when we get to your Navy Federal, well, you took it from $9,000 to $21,062.76. Because you purchased $11,000, $681. And only made the minimum to payment anyway. So what the f*** are we doing? The minimum now is $429.15, $220.20 of interest to crew. What the f***?

1:01:08This takes 32 years to pay off. That's why we don't have money when I work my ass off. Your kids will be up to this. Yeah, because we have. 40s and 50s. That is where you'll be in life. Because all you do is the minimum. It's basically maxed out. Did it do it? What the f*** did you do? I lived off of it. We had to live off of it because there was not enough money. My check is consistent. You push her to work more? I try not to. I try not to. I try not to. Well, I feel bad because I won't hurt to do good at school. I want her to have her time. But you have to pay for the bills. I'm sorry. He does. And I do. I go when money's getting low and he's like, hey, you're not. If you had too great a month, it's not in. That's not her salary. This was $11,681. Whatever you got for her salary, that's not it. It's literally what I said. $600 is the average. No, it's not. Because there can be a month with a winning. I literally will go through and work shifts left and right back to back. So that way we have a bunch of money. And then he'll tell me while I'm working, stop picking up somebody's shift, stop working so much.

1:02:08Why would you say this? Because she's a guy dying hyper-folk, whatever they'll. Anyways, she won't work for like three weeks. And this should just be like, okay, I'm going to work Monday through Friday and not give myself any time to do score. I'm like, that's so stupid. Usually do that after I take my big test, then I'll crank out shifts. And then I'll do anything for a month or so. So then the last few weeks that I have to study, I have time to sit home and study. But doing it that way. Oh my gosh. How much insight did you have in the him spending all this money on the scorecard? We're living off of it. How you don't know. Like, are you knowing I got no money? Where do you think shit's coming from? Well, I didn't know that's where it was coming from. It's a rule-king farm supply. Oh, it's chicken shit. Okay, well, you spend $202 on chicken shit. That's what I'm saying. Well, I mean, I bought the chickens, but it's shit's expensive. I wish I, I mean, chicken, this sounds nice. I'd love that, but I mean, this is expensive for people who can't even afford to take care of themselves and their kids. Should we have chickens right now? I don't think that makes sense. Well, our kids definitely get... Via credit cards, you can't afford to. Yeah, sure.

1:03:08You're not doing ads. And then you add chickens on top. Maybe we get rid of the chickens for now. Chickens are gone. Chickens are f- What? We have two turkeys. We do have two turkeys. They died? You didn't give them away? No, they disappeared. All in disappeared? Yes, they did. Except for two turkeys. And they act like dogs. Hey, time for the turkeys to go? Yes, Thanksgiving. They will be Thanksgiving turkeys. I mean, is that not like... I guess it makes sense. Is that budget friendly? I've been a small town in Cityboy. I've never been a worldboy, so I guess it makes sense. You keep fanning well. Oh, yeah, on their fence. I mean, I just don't like how you refer to them as dogs. And now you're gonna eat them. I'm like, well, yeah, it's kind of f- They're like, they're nice, right? They're nice. Yeah, they're pretty cool. Like, if I go outside and I whistle, our female turkeys, she'll call back to me. It's pretty cool. But she's a killer? She is. Well, she's a me- It's a mercy kill. Yeah, she's a meat bird. So if they get too old, they start having like really bad live complications. I can't even walk, because she's so heavy. Yeah, so... So you got her for this purpose? I didn't know what she was when I bought her. I just bought it. She was part of the... I thought it was a dope ass white turkey.

1:04:09Yeah, he... That was part of the purchase of, oh, we just got in a fight. Here's some chickens. So they're nice to you guys? Oh, they're really nice for real. They're cool, shoot. Yeah, yeah, you should get in there. I could never be a farmer. I don't know. I love to eat that shit, but... I couldn't... I couldn't raise then kill. I'm gonna post... Yeah, it'll be tough. I'll just drop them off some more. We'll take them to the armist. We'll live around a bunch of minute nights. Well, you definitely stopped in the gas station and got some energy drinks and bullshit. Come on. $8. What are you doing? I see the gas that you got before that. So it wasn't that. Whatcha doing? Every morning. I take our... Every morning? I take our... I work five days a week. So five days a week, I take our three-year-old to daycare. And we stop at the store and I get... Every day. Two in a... Coffee's... You doing? He gets a juice. What the fuck are you doing in a corn dog? Why is... Where in a corn dog just... How fat is this kid? He is. I'm not fat. He's got... He's a... He's a animal. He got a... He's like a damn dumpster. He will be fat. He...

1:05:09All he does is run around and ask that. He... Then Tarkies. All I do is chase him Tarkies. Great. I'm glad we're killing them. I mean, he's... He's a big antiport. We probably should. Maybe the kid too. Okay. Um... You can't afford that. I know, but... Make your coffee home. I don't know. Do game or subs if you need your energy drinks. Someone was sipping a monster. I don't know where I went. So... Now maybe you need game or subs. It's $0.40 a serving. Get liquid assets, especially. That's our flavor. But you can get whatever flavor you want. Free samples. Link in the description below. Only with code Caleb. And then get game or subs with the 10% discount. We can have $0.40 a serving instead of these multiple energy drinks. So... What does it taste like? That's raspberry apple, but there's like a thousand other flavors. It's really good. We... We... We compared it to like every flavor. And this was everyone's voted favor. This text. The raspberry apple. It's... Can the list... He tried to order a sweet tea yesterday. I thought you had to... I thought you had to... I don't give a shit about your... What you're doing outside here. Shut up. Okay.

1:06:09The thing is... Everything that you're doing with him every day that has cost you eight bucks a day, which adds up a lot. Cornbread. Cornbread. No, it's a corn dog. He did that, I'm sure. And the oven in the morning. Balkbai, Costco. Juice. Balkbai, Costco. Coffee. Balkbai. Anywhere. He likes the ones from the store. And sure he does. I bet he would like growing up in a household that isn't financially stressed. And when you guys get stressed, you start... An obedient. So it's like... Daniel. It's true! You are him in this house? I don't. This isn't the house of the kid. And you prioritizing that is... Prioritizing the... Bullshit of the house getting... And vaping. We're vaping. I'm aint you. That's not good for you. And that's expensive. 27 hours and 36 cents there. That vape will last a month. Doesn't matter. You're putting it on credit cards that you can't pay all along. These are your...

1:07:09We needed this to survive. Shit. Corn dogs and vapes. Come on. Hell yeah, brother. No, it's stupid. And you... Corn dogs and vapes. Big automotive. 7800. Five thousand. What did you do? I was a motor. I was an engine. Oh, yeah. His truck blew up. So right now we've been driving. Wait, did you have other... I swear I saw somewhere you had other cars. I got multiple cars. Then why did you have to fix this one? Because I noticed that you had a driver. I don't know. Yeah. Can you scrap them for money? $300 or... There you go. You said you have five of them, all right? Take it and throw it towards the cars. One, two. Of credit cards. Like four. There you go. I'm not scrapping a 72-shaville. I can sell it. Why? She won't let me sell it. I won't let me sell it. Sell it. I won't let you sell it. I won't let you sell it. I won't let you sell it. Because when he was going to... This was back in his florist days. He had $20,000 cash. We were supposed to save it for a house. I did buy house. We went and looked at a Lincoln cotton needle. And I said, hey, maybe we shouldn't get this car because we're saving to buy a house. And he bald his... And I was out about it. So I was like, whatever dude.

1:08:10And then he went and bought his chavelle for $12,500 out of the $20,000 that we saved for the house. That's not true. So sell it. Well, I don't give a shit. Well, I don't want him to sell it because you bald your... And I was out. Maybe he feel bad. That's his choice then. I've offered. Sell it. What could you get for it? Honestly, probably like 22. Sell it, please. That pays off this credit card. Now, I wouldn't immediately pay off this credit card unless you close it unless you change your behavior or else you're going to rack it right back up again because it's basically maxed out. Corn dogs. Man's warehouse. Me. Racing? Racing $300 and racing. He said they had to use this credit card to survive. Yeah, literally. Racing $300. Racing. Something racing $313 to 76 cents. Okay, well, I don't know what racing is, but Mins warehouse out the... I had to pay to survive. To survive. It Mins warehouse? No, I had to be in a wedding. I'm okay with that. When I'm not okay with the bullshit. When there's other cars you can drive. Well, I wasn't expecting a person like that.

1:09:10Golden Dragon and Taco Bell and Corn Dogs and Corn Dogs and Sonic Drive in. $53 there. And a Patreon membership for $55. Oh, yeah. That was too... I don't know if y'all want me to plug them or not. You can say who it is. Damn, what's his name? Oh, I don't even know. It's the British do with glasses. He covers everything. You know I'm dumb now. Nope. Nope. No, I do what he's talking about. Oh, he has like a thousand channels and they're all like documentaries. Yeah, yeah. What's the do's name? I don't know. Yeah, you did. I don't know his name. Did you subscribe to him? Everyone knows what he looks like. For the day for trials. For the day for trials. He's probably not bald. He's like, you're age. Well, then I don't know who you're talking about. I can't think. I guarantee you his Patreon membership does not have as much content as Hammerly does. I only did it for the David trials. $55, dude. Yeah, I'm gonna get rid of it. Still $55. Hammerly, it's a better... I already got it. I already got it. I got it like four days ago. Best buy.

1:10:10Yeah, it's just corn dogs, McDonald's and Bolshean. Dude, this is insane. You have to stop. There's worse, I mean... It doesn't matter if there's worse. This is still bad. Call me for us. It's gonna be thousands of great. It's gonna be thousands of dollars of interest this year. That is not good for your kids. I know, actually. Okay. You have another Navy federal. Yeah. Why not? You're just collecting them. I got three of you. Well, only the minimum is put towards it. I think, no spending, but it's still at $5,386,090. It takes 21 years to pay off. Minimum 134. It's gonna be thousands of interest this year. Wait, what's this? Is this another Navy federal? Yeah, I got three. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for the role in designing and promoting addictive platforms.

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1:12:12But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where they kill of Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. What's this? What's this? I have an August monthly, what is this account? What am I looking at here? Dude, stop barfing. You're free. I'm sorry, I'm trying to get a shit ton of water. It's water. It's not carbonated. There's a lot of gas stations. It's probably me. Oh, that's the one I'm living off now. Oh my gosh. What's your living off now? Cash advance. Cash advance. Cash advance. No, I can't. And teeks. Corn dogs. Bullshit. Filipino market. American Eagle. That shit was growing. Journey's kids. How long did that tell moon? Early dinstors. Old Navy. Corn dogs. Corn dogs. Corn dogs. I think Derek went maybe. Corn dogs. Oh, the dude. Sonic again. Corn dogs.

1:13:12Pandey Express. Corn dogs. Smoking and vaping. Boop barn. Academy sports. Toy store $200. Corn dogs. Hertz car rental. This is what you're living off of. 90% of it is bullshit. You're not living. You're having fun. This isn't living, dude. This isn't being a responsible father or partner. This is being a piece of shit who can't control their wants and desires. Most of it is for my son. Doesn't matter. You're putting his life. He's gonna have to delay his entire adult life because you guys won't be able to retire and he's gonna have to take care of you. And we're not gonna have social security like we have today. This is the way I see it. So she, our graduation day is next year. Mine is a few years after. But when she graduates, we're straight. And we were good. No, because you're gonna have to take time off to go to school. I know. Well, no, no, no, not not fully.

1:14:12But we were good before this. And I, I don't want it like him to pay the consequences because he will go to school and I'm, he will. When you guys make more money with your lifestyle, you're gonna inflate your lifestyle. That's not happens every. Oh, who do you think's right? You guys in this situation are me who's talked to a thousand versions of you. I don't think he talked to the way I go. We're going, we're going. I was paying off $2,000 a month extra. It paid just a pay off. You're living this lifestyle where you couldn't come back. When you make more money, you will spend it all on debt. Maybe I hope so. But probably not. Based on just how everyone in this situation does it. Because I know for a vector, guys, they're planning on taking a massification in the moment. She graduates. She wants a core. She wants a macro. That's a debt. She wants a, where's the, where's the, where's the vacation to? Even though it's a Disney world. Oh, back to, yeah, that's when, when's the last time you guys went to Disney? It was the last summer or the summer before? Yeah, it was a couple of summers ago.

1:15:13We went for two weeks. And I went to you guys back. Probably like 10,000 bucks. I don't know. 5,000 bucks. And say them on the money. You're going to do that again. Exactly. That's what's going to happen, guys. That core that I stopped using was maxed out on that trip at Ray Lobster. They come back and said, I still owe like $13 off the bill. And that's why I was like, ooh, shit. Again, maybe federal. Strawberry. Uh, this, uh, Metroplex there. Um, corn dog. Wendy's, Instacarp, Pizza Hut. Brut, what's up? It's okay, it's okay, it's okay. Nordstrom Rack is celebrating 125 years of Nordstrom with 125 of the best deals up to 65% off. In stores and online. We're talking incredible savings on brands you love like Vince, Sam Edelman, Rack and Bone, and more. They're only here while supplies last. So shop today. Go into Nordy Club to unlock exclusive discounts. Shop new arrivals first and more. Plus buy online and pick up at your favorite rack store for free.

1:16:13Great brands, great prices. That's why you rack. We're all King. Some strawberry, some barbecue, McDonald's. It's all bullshit, guys. You spend all your money on bullshit. It's only going to get ramped up and worse. I've seen it every time. You can't tell me it's not going to. You're bullshit. You're a bullshit. It's all bullshit, man. The only thing it is is we're just trying to maintain, not having to. You should have been maintaining. This is an insane lifestyle. It's not healthy and bad anyway. I'm not healthy and bad. It is unhealthy and bad. And that's why I've been getting even more stressed out because I have no idea what he's doing, but I know that it's spending all his money to make everything seem as if it's all right. But it's not. It's not. It's not all right. But when I was working full time. It's not all right. You have to accept what I can deal with. It's all going to max out credit cards. Soon you'll be at that cap and then there's nothing to do except open more credit cards. Till next year. Until next year. I don't think you'll make it the next year on this trend. They're going to be maxed out. You're going to have to open personal loans and shit. I've got enough room left on that. I don't think you're already here.

1:17:13But if she'll work, I'm good. Sounds like she won't and you don't let her. No, no, no. Well, yeah, maybe a little bit. But it's like, it's unfair because we're racking up the money. So when I graduate and I start in my own way. And you want to get a like our car. I asked off to pay all this out of it. It's all bullshit, guys. Both of you need to sit down, look at your purchases and spending across all accounts and stop. We have another Navy federal on yours. This is $11,500. Yeah, $15,000 a month. She won't see that's he put that up. I'm sure he did. It's going to be thousands of interest again. You have another Navy federal. We have a shit down on Navy federal. Now things are hers though. At this one, we have $7,670 and 61 cents. They're spending on here and interest with a minimum monthly payment with $2,702. I don't want to see what you spend money on. I don't see. Did you got any else done and then she got some bullshit? Is Dale's done, not bullshit? It is. They're both bullshit.

1:18:13It's stupid. She gets them done and eats them off. I don't eat them off. I don't eat them off. I don't eat them off. I'm not getting them done anymore. You should eat them off. You can't. No, I'm not. Because especially can't afford it. Well, I bought shit and I guess playboy. You play sir R in an emergency mode. You are. Sam's club's synchrony card. Well, having yours to pay off. Why? Well, because the balance is $1,948. $69 with a minimum, you're over the limit. See what I mean that you're approaching? You're not going to make it tell life shit. What are you talking about? Honestly, I don't know how they got over the limit. We have great services at kalepehammer.com. I wish you could take advantage of it, but it's not for you. You could use the car insurance one, obviously. But we have personal ownership. That's incredible. But not for you guys. Because every time you get access to more money, you spend it. This is proof. You shouldn't have it. It's for people like me, not for people like you. So you can not open more credit cards to get to the end of the next year. And I know what you're going to do. Instead, you need to accept that you're in a bad situation and cut down on spending.

1:19:14That's what you really need to do. Minimum monthly payment $68. I tried to get a personal loan through your website. I was trying to get it to consolidate debt. And you shut it. Because you haven't taken control of your spending. You said you're trying to make it tell life shit. That is not the person who can consolidate debt. You'll get in double the debt. I don't have enough income to do. Good. I'm glad you didn't get approved. Good. I'm all over. I got approved. Your interest rate was just two damn high. It's like, probably because you haven't seen any personal loan then. I got personal loans. That's it, man. There's personal loans that are good. And it's for people like me. I've always set this in every single plug. I want to create financial services for people out there like me. Like people out there. I've taken their survey. Most of them are doing okay. You are not. I've said in every single plug, you shouldn't do it. Why are you doing it then? Why don't you listen to me? Staying in enough money. Oh, it's because you're looking for more debts as be able to spend. Whenever I did have a job, I was like, I don't know. Whenever I did have a job and I was working full time and he was paying off debt,

1:20:14I feel like he never spent any money. No. I didn't because I was paying off debt. But now... I don't know. I used to spend all the money. You're going to go to the next level. No money. Spinning everything. So why spend then? Why do we spend when we have no money? Because I'm in there. Yes. I'm not going to just I can't go do with other dude that is financial. Rangy. Yeah. I'm not going to f**king spends their rights. Yes, you should. I mean should. Yeah. Not. Well then, what are we talking about then? If you're not going to take anything. I want to sell a cord. This is like my drain core. I'm cool with sacrifice, but I'm not. But now sacrifice enough to actually get you there. My son won't notice a car gone, but he'll notice if he can't have more toys. He's still reading. Yeah, he's three years old. Yeah, he's a lot of kids. He's ready for, I got 12 year old. If you just go through life and if you have any kind of discipline for the kid, if you have any kind of parenting abilities, you can get them through it. My parents did, you can. I'm fine. I thought you came from middle class. No. I say so. No, you're not. No, no, no. I learned more.

1:21:14Mostly came up lower middle class. My parents are certainly middle class, maybe upper middle class now, but not during my youth. That's because she went back to nursing school. That was really good. But again, that was like, by the time she completed that, I was in early high school. So I didn't read the benefits of it. And my dad's been successful now, but that was only after I went to college. So that's where I feel fucked up because I feel like we went from middle class, down there, probably upper middle class, down to lower class, and it's hard to make that transition of life. I'm sorry, not going out to eat every single day multiple times is not lower middle class. Cutting that back is not all the sudden lower middle class. You wouldn't know lower middle class. Come on. Lower middle class is your utilities get caught up for closure notices on the house. You're not being able to get a corn dog every day is not lower middle class. Shut up. You're privileged. You're acting like a f***er. American. $6,768 on this synchrony card. You went to payment made 146 takes four years to pay off. Who do you know? Okay. Oh my gosh, there's so much here. And I just think it was for your age fax.

1:22:15See if you're able to get age back, you're not lower middle class. Shut the f*** up. We live with no age back for six months. And that's horrible. That's what it was, huh? $2,236 is your Apple card. Oh, because I paid that off to zero and I said don't use it. Exactly. You can do this, which means both of you need to do it together. Go through our mastery money program, learn budgeting, learn debt. You guys are f***ing $2,236 in 34 cents. Yeah, my Apple card gets a little crazy because I forget. I forget my wallet. I forget my wallet. It's my wallet. It's my wallet. But your debit card and your Apple card. What I've said. And then I did that, but one day my debit card got denied. Then you should have been spending money. Well, I know. But I don't know. But I don't know. I could pay in. Oh, that's on some weird crystal shit. $73. What are you doing? I bought like a tarot dick and... Stop. This is pathetic. I don't do that. That's, if you go through my savings, I do not spend any money. I'm sorry. This was literally less than a month ago.

1:23:16Like, shut up. You can't do, you can't not misbehaved for the two weeks knowing you're coming on financial audit and say your entire life changed. Like, shut the f*** up. This is what you just did as you were applying. So shut up. Just stop. This is a cop. This is a cop. You knew in the last two weeks that you were going to be on. So shut up. Okay. Voodoo. I'll tell you exactly what you bought less than two weeks ago. A week ago, voodoo, fandango, jack-in-the-box, McDonald's, voodoo, and dango. I ran into M&G. So that's what you did. So shut up. This is cop. You're giving me cop. I don't even know what does that mean. I would have never heard that. Cop? Yeah, like a coping mechanism. A coping mechanism. What did you call it? A coping mechanism? Oh. Seekin-y Amazon cart looks like it says, you guys f***, he's spending money. No, he's not. The interest is a crime. What? You were spending thousands on the other cart. Shut up. What do you mean? Is that what you were telling her when she was trying to kick you off?

1:24:17I got to live. I don't know what I said. 621-7. You were confused. Yeah, he thought me. I'm right down. Go jerk off of the bathroom. Yeah, I had bad sights. 2020. I mean, come on. The fact that you made it to finishing is kind of wild. I literally kicked him. Where did he finish? I kicked him off of me. Launched his ass to the end of the bed. And while he was rolling backwards, he finished. That's crazy. Yeah, that's crazy. I can't even do it. You have an apple cart too and you have hundreds of dollars. No, no, no, no, no. Let's go. Oh, she must be spending money. No, I don't even have. I don't even have a house. I don't even have a house. I don't even have a house. I don't even have a house. I don't even have a house. I don't even have a house. You must be spending money. No, I don't even have a house. This month. Matter. I'm still in the car. I don't have anything. $399.39. It's a physical card too, dude. $50 and you could have spent previously. Yeah, it's probably previous. I keep physical cards and the gold. Oh, splendid. Your T-Mobile bill and Roku. That's paintings for her. I have these subscriptions. Yeah, this is a bad stuff for her. I'll see you just, right, right, if you're iPhone.

1:25:17Oh, yeah. Oh, yeah. PayPal. Okay, yo, just $67.01. It's just like pay that off. The minimum is... Like 30 years old. I'll pay it off. I don't even care what the money is. 40. Your past due. What? $40. Past due, asshole. It must be. And the late fee added. Amount past due. How the hell? About $7.00. I must have... Oh my gosh. AT&T collections. That's hard. I have disputed this multiple times. I don't care. It's on there. Shouldn't be. Okay, more goods. $118,865. I guess it's not that higher cost aluminum. Like I said earlier, places... Cheap not six years ago. It is a higher cost. We just got a cheap house. You got a good place. Okay, what's the... A Ford percent. That's wonderful. What's the minimum of the payment? $1,077.72 cents.

1:26:18You know, $118,865. Oh my gosh. Okay, student loans. Yeah, those... I'm just paying the interest on those. Yeah. So what's that payment? One is $32 and one is $25. The $25 one is a set amount. I have to change it. So I have to go back in there. So I'll put it for $57 for now. Your student loans are $21,539.47. I don't think you have to pay the interest. But I'm not opposed to you doing that. That's what I was going to ask you. So if... Are those good for payment? I'm going towards the balance at all. No, like interest. With it being $6.39, I'm not opposed to her doing it. So she says it's not a make a break for your budget. You can pull it back if you want to for being aggressive. Because there are higher interest rates in your debt. But I'm not freaking out. Okay. You looked at your student loans.

1:27:20Okay. This Navy Federal, is this one already went through $4895? No, it hers. Well, I already went through hers too though. Is this an additional Navy Federal? Like you've done hers. Yeah, I did. I went through two of her navies. She got three. No, there should be one of those. Is this an additional? No, that should be one of those. Okay. You get more... No, I should only have two. Oh, okay. We already did that. I'm telling you. So this Navy is... Well, we've already got that. Okay. So I think that's not that bad off. Well, you have Navy Federal car loans. Is that those? I got one of you. Most of them are paid off. Okay, $3,590. Does that sound like one of them? You say $3,590? I'll say this Navy Federal... That sounds like a credit card. My truck should have like $6,000. Is this Navy Federal student loan? Yeah. They're all Navy Federal. I got my student loans through Navy Federal. Oh, this is an additional student loan. This is like a private student loan.

1:28:20Not federal. No, the student loans on here... Oh, wait a minute. Were these the Mahila ones? Yes. Okay, so yes. I have two private student loans. Oh, my gosh. Which I... And I have to get more. Until next year. Yep. My coach son. Great. Or you could cash well mostly with how much money you're spending on bullshit. So $4,895. And it's $25 bucks a month. And then whatever this other one is, which I think might also be student probably is $3,590. Great. So we're in the world of getting private student loans now. $31 a month there. What a f***ing joke, guys. Can't Navy Federal... No, I'm back to Mahila. Okay. The Mahila's I don't have to pay on until I graduate. You're just doing an interest, right? Or is that the one you were taking about earlier? That was the one you were talking about earlier. My private ones, I hate. So I'm stopping that. Okay, I got it. Financial aid? Oh, him. I guess so.

1:29:20You already owe. You owe $27,276. I'm just in school right now. I'm in school right now. You guys are borrowing everything. Literally. Okay, well no payments yet, but... Probably... What the hell? We'll be. Gonna jump. You have private student loans as well, dude. Yeah, Navy Federal. Huh? Navy Federal. What are you on now? I'm going to get a job. Navy Federal. What are you on now, that month? $1465. Probably $25. This isn't insane. Guys, this isn't insane. Gosh, okay, more debt. This is like... It won't stop. I mean more... That's why... No, you're literally not. You're spending so much on Bolshev. Do not use the word try with me. All right. Someone's car. And no, you're not. Yes, sir. You're not... You were spending just so much on Bolshev. Do not use the word try with me. All right. Someone's car. And no, you're not. You were spending on Bolshev too. You're trying the last two weeks. I will never allow that in the show. Yes, I have your account from less than a month ago, so shut up. I mean, yes, I have... Shut up! Shut up!

1:30:20Shut up! Shut up! Shut up! You're done. Any amount of money, it's still not try. Shut the fuck up. Shut the fuck up! 6.29% on this car. I'm saying on this car, what car is this? It's a 6,130 dollars. So 2011 Tundra. And is this one that just stopped? Yes, getting a new motor like this week. Good, you spent double the balance you owe on this, right? It's a good truck. Is it? Yeah, now I'm out in put it. We're at 4,800, you just spent 6,000 to get a new motor? That's cap, you know, Dan Gignuel Toyotas. They're in a, you can find a bar on up to the... That's his KBV, I don't know, man. I know, we eat well. $173 and 53 cents a month. The interest rate isn't the worst. Oh my gosh. What's the? They're... Okay, is there's another car with Navy Federal? No. Right? 6,124? That's mine. True. Okay. So that's this one on there. Oh my gosh. Finally through the debt. $5,000 in savings. Incredible. $67 in check in account.

1:31:23Corn dogs, bullshit, McDonald's, Netflix, Corn dog, bullshit, Corn dog, bullshit, Corn dog, bullshit. Maybe bullshit. Check this out. I don't know. Corn dog, snapchat, we're paying for... We're getting our snapchat. Oh. Come on. You got a streak. Oh, you guys are so pathetic. Instead of taking care of your kid. Bullshit. Corn dog. Amazon. Corn dog. Golden dragon. McDonald's. McDonald's. Maybe bullshit. Definitely bullshit. Corn dog, Corn dog. PlayStation. Bullshit. Nails again. Corn dog, Corn dog. Bullshit. Corn dog. Snapchat again. Disney plus. Sonic, bullshit. Corn dog, Corn dog, snapchat. Okay, guys, keep the streak up or down. How many times are you gonna pay for this? My business. PlayStation. Corn dog. PlayStation. Sick. Panda Express. What a f***. This is pathetic. I don't even like Panda Express. Charmin, $1749, you're incorrect. Okay. Panda Express is awesome. I asked. So. $18 in your A-Corns.

1:32:23Oh, his retirement. $42,000. I actually enjoy that. Wow. So the check in the account. I've spent since we've been down here. And just to be fair, because we did spend quite a bit. What are you telling me? Well, the check in the account balance is less than what, whatever says on there, we've spent some money since we've been down here. We get tattoos when we go places like the ween never been. Or do something ween never done. So we got tattoos yesterday. I got a bat. Literally landed when I Mexican and then left Mexican and we got tattoos. Look at it. So again, you guys care more about your own things than your kids. Like I have no energy to give to that anymore. Yeah, congratulations. Okay. Very good. Is that me? Yes. You could too. Is that permanent? I mean, it's a tattoo. Oh, buddy. Oh, buddy. What have you done? But does it look like you? I mean, I could tell it was me, I guess. Look at it.

1:33:23Don't know. Um, like what the glasses? I wouldn't say so because of the beard. Well, I went to Walmart last night. I had two people ask me why I got up. I did it on my arm. I'm like, that's not a p- Caleb, am I? Okay. And what did they say? They're like, oh, okay. Sick. Okay, listen, buddy. If you did that, why don't I get any one of you back? Well, I wouldn't expect you to. How did you get one of me, man? Well, to be fair, you were my first choice. My first choice was a monster truck that's a good death. That makes more sense. I couldn't afford a monster truck. And then the why do you have to get a tattoo? Because this is memorable. It is. It is. There will be a video for you to. That's true. Like permanently online. Yeah, though, that is you permanently on my arm. Yeah. So now, like, when he's old and wrinkled and they're like, what is that grandpappy? He's like, well, back when I was 30, I went on this. Shut the f*** up. I've gained weight since then. You made a mistake. Oh, let me add a few more. I forgot the double chin.

1:34:23It's going to take me forever. There's a little double chin in there. Yeah. It's under the little beard. Well, thanks to Fat and Fat are we're getting into a triple. I owe you. Death payments, not mortgage included, $2,263.53. Wait, does a month, a minimum monthly? Yeah. That's where your ad did. You won't stop spending. You pathetic worm. Including on me. Shit's not even fine. He's not even fine. No, it's not, but you're the one spending. $1,000 worth. No, f***ing gum. I don't know what to do with you. $1,077.22 cents is your mortgage. Gas, like for the home. Gas, electricity, trash, sewer, water, internet, all of that combined. How much for utilities? Three out of a lecture. I averaged $260. Okay. From drive drive gas. Both of you together a month.

1:35:24Average 400. Car shirt so much. Altogether, $1.95 is not bad. Phone bill, how much? That's $150. No, it's $125. I got it to go down. Okay. Groceries. I'm going to do $900 meal prep meal plan, warming up meals, but you're buying them, cooking a few times a week. Meal prep meal prep, you guys are busy anyway. You should be working your asses off. TP fund anything else for you and your kids to survive. $300. What that is, changes every single month. But it's the basics. It's the necessities. Are there copays medical on a monthly basis? No. Is there a gym? Yeah, cause we got prescriptions. Okay, just how much? Yeah, it's probably like 50. Is there a gym? No, we don't. Yeah. What current pets are there? Good. We have three dogs, two cats, or one cat and two turkeys. So probably like what? 200 and feed it for them.

1:36:24They'll go through one big bag, roughly in a month. For all pet supplies and shit, how much am I? 60 plus, that's like $200. No, it's $200. No, I don't know. It's like $120. Maybe. Okay, I'll do $150. I mean, you guys in the middle. Okay, I mean, you have to get some pet insurance for the dogs and cats. Yeah, my mom's sales publisher. Yeah, I'm going to say $200. Oh, she pays for it. Well, we... No, she sales pet insurance. But she said I shouldn't get it. Yeah, I'm... Well, then she shall sell shit pet insurance. It saved my ass many times. Let me tell you. If they get in trouble and their life shouldn't be dependent on you being shit. Yeah, I'm trying to. Okay. And your mother takes care of some other things. Well, she takes care of groceries. So I crossed that out. You can take three quarters of it out. You can put it on 300. I'll put you on... Okay, I'll put you on 300. So I don't have to do day care and shit. Anything else that I need to put in this budget that I have not? You got the auto alarm in there. That's in the middle of monthly payments.

1:37:24Okay, then... I won't think so. No, I don't think that's all of them. I'll try to give you subscriptions of $100. You choose where that goes. You need $5,420 and 75 cents to survive. Obviously, we don't make that. The reality is... And that's with no bullshit spending. You need to make at minimum $2,500 a month to survive. So you need to go do that right now. You need to make sure you're doing that. If you hit that, then you can stop working for the rest of the month. But that's what you have to make net minimum. And then that's with all your income included. You guys are budgeting together. You're going through every statement together. You're plugging in at all and at all as what you guys give for free forever. You're seeing my therapist. And I'll pay for that. And then once you find the graduate, yes, that'll help you. That's still the minimum you need to make when he takes more time to school. You need to make $5,500 minimum to survive.

1:38:24And once you graduate school, we're talking a couple of years and you can start hammering at this debt. And it's going to take maybe a couple of years with your strong income maybe a few years. But you're going to sell your cars, pay off some debt. But nothing matters until you change your behavior first. You don't survive. She doesn't make extra money until you change your behavior. Because it won't matter. And won't make it dent in anything. You won't survive if you still spend all this money. So she needs to make extra money, yes, but you need to reel in your behavior now. Your bolsheist spending was a minimum like 2000. Oh my God. Minimum 2000. It was more gas station food. So guys, it's crazy. Whether or not this relationship could be safe. I don't know. You need to go to therapy. You need a budget together. And you need to get your shit together. You need to stop spending this money. You need to stop being abusive. You need to seek help. That's what we got to do. So that's what we're doing at least until school finishes and then everything changes. So, but that's what I do for now. Because right now you're focused on survival. So let's focus on that. I'm going to call his mom in the post show and get her opinion on what happened. And we're going to see.

1:39:24And you know, that's going to be crazy. And there's always so much more we didn't talk about yet. Let's get your hand in financial score first. Spending it in a budget of your expense, your out of ten debt, collections, your out of ten, emergency fund. There's nothing's out of ten returns. This is where there is. But for making up for you guys both together for your age, it's still only about a four out of ten. Real estate, what's your house worth? About two thirty five. Okay, real estate is really good. So long so it's technically a risk by eight out of ten. It's basically as good as you can get until just a house is like fully paid off. Which is fine. That's not a bad thing. So that's what saves you a hammer financial score. Two point five out of ten. Get yours at Calebhammer.com for free. Now join us in the financial out of post show next to twenty minutes of this episode. It's always juicy. It's always crazy. Three premium shows a part of hammer elite every single day. Six days a week gets incredible. That's why there's over 120,000 monthly active members. You can join our YouTube by clicking that join button or link below or you can download the hammer lead app or go to hammerlead.com. It's the same on both platforms. I just want to give you more options. I'll see you in the post show. Let's see what your mom thinks.

1:40:24We wanted to call and they want your perspective on something. They told the story about a few weeks ago when what she said is she here. No, I don't think so. I think. And that's why I said I have no help. I just launched the brand new hammer elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional thirty days of hammer elite access or free. Download the hammer elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise. I want you to be on the next episode of Financial Out of right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly it down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to K-L-Pamber.com slash apply or click that link in the description below.

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