Cheating Gold Digger Is Destroying His Life | Financial Audit

Summary

Financial Audit Podcast – Episode Summary

Episode Title: Cheating Gold Digger Is Destroying His Life | Financial Audit
Host: Caleb Hammer
Guests: "Chad" (27, oil field worker) & "Stacy" (25, aspiring realtor), El Paso, TX
Date: February 9, 2026

---

Episode Overview

In this episode, Caleb Hammer sits down with married couple Chad and Stacy to conduct a financial "audit" and dig into the core of their relationship and financial dysfunction. The conversation rapidly steers into deeply personal territory, including infidelity, emotional cheating, psychological dynamics, uncontrolled spending, and the reality of living paycheck-to-paycheck despite high household income. Hammer maintains his trademark blunt, irreverent tone while guiding the couple—and the audience—through a sobering look at their finances, lifestyle inflation, and communication failures. The episode is equal parts intervention, roast, and cautionary tale.

---

Key Discussion Points and Insights

1. Background & Relationship Dynamics

• Chad works in a hazardous oil field role, claiming a gross income of $110,000/year, with post-tax and overtime variance ($4,000-$7,500/month).
• Stacy pushed Chad to get a higher-paying job, delivering an ultimatum: "Get a job, get your money up, or I'm leaving." (00:33, 05:50)
• Power dynamic: Stacy now controls the household finances, with Chad sending his entire paycheck to her.
• Stacy: “He has no control over money…if he were to keep the check, it would go straight to credit cards.” (09:20)
• The couple shares a turbulent six-year relationship marked by emotional volatility, frequent arguments, and both admitting to emotional and digital forms of cheating.
• Both admit to resenting certain behaviors in the other; neither seems fully equipped or willing to take accountability.

2. Income & Job Satisfaction

• Chad hates his oil field job but feels trapped due to financial obligations and relationship pressure.
  • Memorable Quote: "I work 12 hours a day...one single move, I can kill somebody...I hate it." (02:16, 06:13)
• Stacy, a new realtor, earned $40,000 in her first year but hasn't had consistent employment in several years: "Basically, I'm unemployed until I get employed again." (12:20)
• Hammer notes that both could earn similar or more money in lower-stress work, given their spending habits and income mismanagement.

3. Infidelity (Physical and Emotional)

• Stacy's Sugar Daddy Incident: While dating Chad, Stacy took money and gifts, visited a sugar daddy's home, and exchanged messages that Chad later discovered.
  • “She went behind my back and, like, had a sugar daddy.” (00:44, 18:38)
  • Stacy insists no physical cheating occurred: “I did not get sugar or give sugar. I just got money.” (19:03)
• Chad admits he’s afraid to set boundaries, fearing Stacy would seek out other men for money again.
  • Memorable Quote: "Big reason why I've never really put my foot down is because...she went behind my back and, like, had a sugar daddy." (00:44, 18:38)
• Both parties have flirted, messaged, or interacted with others online. Chad admits to using video chat sites and downloading Tinder, while Stacy engaged in long-term emotional affairs.

4. Financial Structure and Overspending

• Chad’s pay is funneled to Stacy, who is described as a "spender" and has a history of blowing through cash on shopping, restaurants, trips, and luxury goods.
• Monthly spending grossly exceeds their income. In one example, $13,256 went out vs. $7,500 coming in. (37:53)
  • Hammer: “You overspend. You beyond overspend. You guys have nothing.” (37:53)
• Major debts include maxed-out credit cards, a $357,000 mortgage, $72,000 in non-mortgage debt, and a car loan deeply underwater.

5. Debt, Credit Cards & Loans

• Stacy and Chad have accumulated severe bad debt:
  • Over $72,000 in non-mortgage debt, including credit cards, a $5,000 collections item from Chad’s old apartment (eviction during COVID), and personal/401k loans.
  • Chad took out two 401k loans (once to pay for shopping in Cancun at Stacy’s insistence).
  • Both have repo history and poor credit management (multiple cards over the limit, accounts accruing high interest, and two lay fees already in the current year).
• Buying habits reveal impulsivity and lifestyle inflation; the couple jumped from struggling with bills to splurging as soon as Chad’s income increased.

6. Lifestyle Inflation & Household Mismanagement

• Major household purchases post-income boost: new house, new dogs (now four), expensive Airbnb getaways, name-brand clothes, luxury beauty items, high-end gym & pet expenses.
• Savings are rapidly draining ($11,500 to $4,000 in recent months, now using “tax savings” money for spending).
• Hammer: “You're draining your tax for bullshit fun spending. Oh, you guys are ruined.” (85:04)
• Stacy admits to “manic spending” (bipolar episodes), tried meds, but quit: “I try my hardest.” (74:00)

7. Communication & Boundary Issues

• The couple fails to communicate meaningfully about money, boundaries, or emotional needs.
• Stacy admits “the check gets sent to me” because Chad would otherwise blow it all on credit. However, her spending is unmonitored and equally unrestrained.
• “It doesn't get communicated...his idea was just paying off the credit cards each time with his whole check...I told him you need to send me [the] check.” (42:05)

8. Parenting Aspirations Amid Chaos

• Despite enormous financial and relational instability, the couple is “actively trying” to have a baby.
  • Hammer: “You’re spending more than you make...Your friends applying for you to come on the show because you’re a complete mess. And you guys are trying to have a baby.” (38:51, 40:00)
• Hammer sharply criticizes the irresponsibility of bringing a child into this chaos.

9. Host’s Analysis & Guidance

• Harshly direct, Hammer points out the lack of trust, internalized power imbalances, and self-destructive behaviors.
• Urges them to hold off on children, radically cut discretionary spending, and dedicate 2.5 years minimum to paying off all debt before considering parenthood.
• Recommends closing all credit cards (“You guys are not credit card people. Close these. You already have a house. So what do we need credit for?” [60:35]), using cash/debit, and focusing on building an emergency fund.

---

Notable Quotes & Memorable Moments

“Get a job, get your money up or I’m leaving.”
— Stacy, (00:33, 05:50)

“I hate it, cuz I work 12 hours a day... one single move, I can kill somebody.”
— Chad, (02:16, 06:13)

“I basically told him, you don't get to see these tits anymore unless you're out in the oil field.”
— Caleb, mock-summarizing Stacy's ultimatum, (09:01)

“That’s you being mother. Not you serving cunt, it’s you being mother.”
— Caleb, calling out Stacy's controlling behavior, (09:35)

“The main reason why I don’t like telling her no... she went behind my back and had a sugar daddy.”
— Chad, (18:38, 24:50)

“You seem like the fakest... I’m not, I promise. Like, I really do regret it. Seriously.”
— Stacy, on regret after the sugar daddy incident, (25:43)

“You guys are trying to have a baby... this kid is not consenting to come into the world, you are choosing to put the burden on this child that you guys are enjoying all your entire life. So when it comes to you retiring, that child is going to have to put their life on hold.”
— Caleb, (41:08)

“You overspend. You beyond overspend. You guys have nothing. What are you talking about?”
— Caleb, (37:53)

“My manic episode is... spending. Like, I’ll go to TJ Maxx.”
— Stacy, on her spending binges, (72:33)

“You can’t even agree on whether you fight or not!”
— Caleb, as Chad and Stacy contradict each other, (59:09)

“You’re draining your tax for bullshit fun spending. Oh you guys are ruined.”
— Caleb, (85:04)

“Hammer Financial score, that is going to be a… three out of ten.”
— Caleb, (90:54)

---

Timestamps for Important Segments

• 00:33 – Stacy delivers her job ultimatum to Chad
• 06:10 – Chad admits to hating his oil field job, pressured by ultimatum
• 09:14 – Chad describes sending his paycheck to Stacy; reason for control
• 18:38–26:00 – Sugar daddy & cheating discussion explodes; emotional fallout
• 30:41 – Chad admits to his own "video chat" boundary-crossing
• 37:53 – Bombshell: Monthly outflow exceeds income by thousands
• 41:08–41:54 – Hammer condemns plans to have a child amid financial chaos
• 60:26 – The couple explains their cascade of credit card spending and debt
• 72:33 – Stacy talks about bipolar, manic episodes, and financial consequences
• 90:54 – Final Hammer Financial Score: 3 out of 10

---

Tone & Language

• Conversation is blunt, irreverent, and darkly humorous.
• Both Caleb and guests use explicit and colloquial language.
• Host frequently uses sarcasm and direct confrontation to cut through denial and rationalization.

---

Summary Takeaways

• Extreme lifestyle inflation: Despite a household income that could provide stability, persistent overspending, debt mismanagement, and impulsiveness have left Chad and Stacy in a precarious state.
• Power and trust issues: Stacy’s financial control is a response to Chad's prior financial recklessness, but she’s equally undisciplined. Both partners express mistrust, partly rooted in unresolved and repeated emotional betrayals.
• Unfit for parenting (for now): Their current dynamics—financial, emotional, and communicative—would make responsible parenting nearly impossible.
• Urgent need for behavior change: Hammer’s core message is that both must address personal issues, spending addiction, and communication patterns if they hope to achieve stability or long-term happiness.

---

Hammer's Game Plan for the Couple

1. No children for at least 2.5 years.
2. Cut out all discretionary spending and close all credit cards.
3. Use a strict budget (recommendation: Dollarwise or similar tools).
4. Devote all “want” money to debt repayment.
5. Stacy should resume therapy and medication adherence; both should consider counseling.
6. Long-term: Build a six-month emergency fund and increase retirement savings.

---

Conclusion: This episode is a masterclass in self-imposed financial disaster fueled by poor communication, boundary issues, and unresolved relationship trauma. Hammer does not mince words in his assessment, and the episode serves as a compelling warning about the risks of unchecked spending and partnership dysfunction.

Transcript

[A]

New year, new me. Cute. But how about New Year, new money? With Experian, you can actually take control of your finances. Check your FICO score, find ways to save and get matched with credit card offers, giving you time to power through those New Year's goals. You know you're going to crush start the year off right. Download the Experian app based on FICO's Score8 model offers an approval not guaranteed. Eligibility requirements and terms apply subject to credit check which may impact your credit scores. Offers not available in all states. Experian.com for details.

[B]

Experian to watch episodes of Financial Audit a week earlier, check us out on YouTube.

[A]

I basically told him, get a job, get your money up or I'm leaving.

[C]

Big reason why, like I've never really put my foot down. She went behind my back and like had a sugar daddy.

[B]

What? Well, you guys were dating, she would.

[C]

Go to his house, I went to his house.

[B]

And like you actually think she went over to this guy house? And not a single thing ever happened. Once.

[A]

Nothing happened, I promise you.

[B]

Does anyone in the world believe that for a single second?

[C]

And then like I saw texts of her talking shit about me to him.

[B]

Was any image sent anywhere?

[C]

His side of the texts were deleted, but not her side.

[B]

Why were his side of the text deleted?

[C]

I don't know.

[A]

What?

[C]

When she's psychotic.

[B]

Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to Dollarwise.com to change the future.

[C]

Hi, I'm Chad. I'm 27 years old.

[A]

And I'm Stacy. I'm 25 years old and we're from El Paso, Texas.

[C]

And this is Financial Audit.

[B]

Thanks for coming over. Did you guys fly? Because that's a long ass drive. What is that, like eight hours?

[A]

Yeah, eight hours.

[B]

We me. Well, thanks for coming over from El Paso. The second guest from El Paso, as you told me before. So happy to have you guys. Chad, you're the one in front of me.

[C]

Yes.

[B]

What do you do for a living in 27?

[C]

I. I work in the oil field.

[B]

Oil field is money.

[C]

Yeah.

[B]

You guys seen Landman?

[A]

Yeah, we watch it. It's our show.

[B]

Halfway decent second season.

[C]

Okay.

[B]

Not as good. It became like a relationship drama. I don't know why. It was kind of. They had something there. But either way, everyone's kind of watching Landman. So I know you must be making money. What do you do in the oil field?

[C]

I work in Frack and I basically.

[B]

Operate all the equipment A little dangerous.

[C]

It is because I work with, like, 10,000 psi of pressure. Yeah, stuff like that. So one single move, I can kill somebody.

[B]

What's scarier? The shower. That.

[C]

That. Honestly.

[B]

Good. Yeah. Good.

[C]

Yeah.

[B]

I'm glad to hear that. So what are you making then? Because you must get that hazard pay.

[C]

I make a hundred. 110.

[B]

Yeah. You do? 110. Yeah. Okay. That's not bad.

[C]

It's not bad, but it doesn't feel.

[B]

Like password is kind of cheap. Cheaper than. Yeah, than the rest of Texas. Come on.

[C]

Yeah.

[B]

You know, in, like, the start of the southwest. Southwest starts on this i35. You know, it's where it separates the south and southwest. You're out there. It's a little cheaper until you get to Phoenix.

[A]

Yeah.

[B]

Yeah. Okay. So what did you say? 105, 110. 110. What hits your checking account, like, per paycheck and what's the paycheck?

[C]

So we get paid, like small check, medium check, and a big check.

[B]

What? Yeah.

[C]

So like a month, I'll get, like, a small check, which is around, like, 2300.

[B]

What? Okay, but what hits us on a monthly basis? And I don't know why it's like.

[C]

That, but 4,000 to 6,000amonth.

[B]

Why does it range? Because that's a big range. That's a pay the bills on that kind of range. Yeah.

[A]

So that's what we're struggling with.

[B]

Well, are you hourly or.

[C]

Yeah.

[B]

Yeah. Yeah. Oh, well, that's why it would range, right? Yeah.

[A]

Yeah.

[B]

Okay, so four, but at the same time, I can say five.

[C]

We're consistent hours. Like, I work, like, two weeks on, and like, in those two weeks, I'll do like 112 hours one week and then 90 hours another week.

[B]

Okay.

[C]

But it's the same.

[B]

So why does the pay fluctuate?

[C]

Because sometimes. So on the two weeks, I'll do. Like, when I work nights, I'll do. We'll get paid for those two weeks at night. It's. It's really weird, but.

[B]

So do I say 5,000? Yeah, we can say 5,010 after taxes. What the are you talking about?

[C]

Yeah, it's good.

[B]

That's 6,000. Wouldn't be 110 after tax. I know, because you're not making 110 after tax.

[A]

Over time.

[C]

Yeah, we make.

[B]

Over time would be included in the pay that hits your account.

[A]

It's just weird because.

[C]

It's weird, but, like, on paper it says I make 110, but at the.

[B]

Same time, that's not how it doesn't work. How much money do you make or not?

[A]

You can't see. What have you made year to date?

[C]

110.

[B]

Like, well, no, I mean, it's the new year, but I assume you mean last year.

[C]

Yeah, last year.

[B]

110 is what you made before taxes?

[A]

Yes.

[B]

Okay, so that's your before taxes. I mean, let's see. Income, I had payroll. 7426. That's. That's well beyond what you said was your hire. Okay, who's here? The company or you?

[A]

Him. It's literally him. He literally tries to make, I don't know, this crazy math in his head. Like the one, check to check. Three, check, small, medium, large. Like, I don't get it.

[B]

He does that or the company does it.

[A]

He does it. But then the way he tries to make the math work.

[B]

Why are you doing that?

[C]

Because that's how it is.

[B]

Okay, she just said it wasn't the company, it was you.

[C]

No, but that's how we get paid. Like, I don't know how to explain it.

[B]

I don't know. You could at least attempt to.

[C]

So, okay, so. Oh, two weeks.

[B]

Oh, I don't know. I just want to know the number that hits your account. And it was 7,500.

[A]

Yes.

[C]

Yeah.

[B]

Is that abnormal?

[C]

Yeah, yeah, yeah.

[A]

No, it's not abnormal. I feel like it's very normal. I literally made him get this job. Yeah.

[B]

What does that even mean, made him get this job? Well, what does that look like? How do you make someone get.

[C]

Well, she told me.

[A]

Like, I basically told him, you either get a job, get your money up, or I'm leaving.

[B]

Do you get to pull that kind of weight?

[A]

Yeah. Do you not see me?

[B]

Okay, how many? Okay, so you went and got the job because you were afraid of her leaving?

[C]

Yeah. Yeah.

[B]

Do you even like this job?

[C]

No, I hate it.

[B]

Well, actually, it doesn't sound like a great job.

[C]

Like, I hate it, cuz it's like I work 12 hours a day.

[B]

Wait, what was he doing before where you were like, go make money or else I'm leaving?

[A]

He was a server.

[B]

During COVID you looked down on service workers.

[A]

I was a server too, but I was making money.

[B]

Did you see how you just said that?

[A]

No.

[B]

Your server was a stripper based on how you just said that?

[C]

Basically.

[B]

He just said basically.

[A]

No, no, no.

[C]

I really.

[A]

I worked out of those restaurants where it's like, girls only, but it's not strippers. Like, we were dressed, we had clothes on.

[B]

Girl, your tits are basically fully out. Here, Like, I. I see how you're.

[A]

Presenting out there, too.

[B]

Exactly. That's what I'm saying. Well, Hooters.

[A]

No, it's called union.

[B]

Is that how they talk in El Paso? I don't think so. You're in the middle of the desert.

[C]

They do.

[B]

Why?

[A]

I don't know.

[B]

Okay, so you look down on service workers and you.

[A]

No, I don't.

[B]

Did you see how you replay. Wait, what was he doing before where you were like, go make money or.

[A]

Else I'm the server.

[B]

During COVID you looked down on service workers.

[A]

I was a server, too, but I was making.

[B]

Did you see how you just said that?

[A]

Okay, I don't like service workers. I was a service worker.

[B]

Yes, but you were like, you have to go get money. You're like, it was a service.

[A]

Sara's worker, he was making, like, $20, if that, a day. A day. And he had to pay rent.

[B]

That doesn't make sense where you work in one hour because they still have to pay.

[A]

Yeah, but then the check would come out, like, two weeks later, you know, so.

[B]

Well, yeah. That's paychecks.

[A]

Well, yeah. So it was very short, like, $200, because then they would send him home if it was dead. So it's not like he was making, like, the eight hours.

[B]

So you did that ultimatum?

[A]

Yeah.

[B]

What did you think when you heard that? If my girlfriend gave me an ultimatum like, that she wouldn't be my girlfriend.

[C]

I was scared.

[B]

I was like, no respect.

[C]

Like, I don't know.

[B]

Now I. No, no. For what it's worth, I mean, I'll play a little devil's advocate now. If it's just you just not giving a shit in life, if it's you not, like, pulling your weight in a relationship and she pulled an ultimatum for that, then I think that's fair.

[A]

It's a lot of that.

[B]

Then. I think that's fair.

[A]

Yeah. So, like, at the beginning of the relationship, like, he didn't. He never had a really good job, and I had. I was bartending and serving at one point. So, like, I was making money, so I would pay for the dates and stuff like that. So it did get to the point where I was like, you have to pull some weight.

[B]

Okay, well, yeah, pulling some weight. I mean, that's. That's relatively fair. Well, how long. Are you guys married?

[C]

Yes.

[B]

How long have you guys been together? Oh, congratulations.

[C]

Six years.

[B]

Glad to hear that. So you went and got this job when?

[C]

20, 22. Me.

[B]

I don't know how. You do not know how Much money hits your account by then. And I can see your pocket watching. That's clearly your entire career is pocket watching. And so that's how you know how much is coming in. 7,500. Usually on a monthly basis.

[A]

Right.

[B]

Okay. At least we have the number from her. I don't understand why you don't know. Maybe because you're not the one that cared. You didn't really care how much money you were making before until she was like, you don't get to see these tits anymore unless you're out in the oil field.

[C]

So, like, when I get paid, I like right away. I sent her the check.

[A]

This just started happening recently, though.

[C]

Yeah.

[A]

Because he has no control over money.

[B]

What does that mean? What do you do?

[A]

So, like, if he were to keep the check, it would go straight to credit cards. And then he would try to figure out how to pay the bills with the credit cards. And I don't agree with that. So I told him, you need to send me the check. We're going to put.

[B]

Send me the check. That's you being mother. That's not you guys working together and changing behavior and meeting goals together. That's you being mother. Not you serving cunt. It's you being mother.

[A]

I just learned. I. I guess I learned that from my mom. She does that?

[B]

Yeah, mother.

[A]

Not to me, to my dad.

[B]

That's the relationship you want. You want to mimic that?

[A]

No, no. I would love to, like, be more in tune with finances.

[B]

What. What does that mean to you? You said, give me a check and he just. He's your little simp cuck boy. How you work on an oil field, it's dangerous. But why do you seem like a. Outside of that? Yeah, you're whipped.

[C]

Whipped. And she just.

[A]

Mommy issues. Yeah, he does have mommy issues, though.

[B]

Is that what you like like this?

[A]

No, I don't like it. I don't like.

[B]

I'm not. I was literally looking at him and clearly talking to him. How did you answer that?

[C]

I don't like it bothers me. Like, her attitude bothers me a lot, but I don't know why.

[B]

See that face? First time she's ever heard it.

[A]

No, no.

[C]

I tell her every day. Every day. She doesn't care me.

[B]

Oh, I see a picture of you on the restaurant's website and yeah, the cleavage is there.

[A]

The restaurant website?

[B]

Yeah.

[A]

I was like it girl for a while.

[B]

Huh? Okay.

[C]

She loves to spend like the. When I sent her the check, like, I never see. So, like, I don't.

[B]

She getting the Check, then.

[A]

Okay.

[B]

If she's just out there blowing it all.

[A]

I used to blow it all. Ever since we got a house, I can't blow it all like we have.

[B]

Why do you keep saying no? She still does, as in past tense.

[A]

I didn't say blued. Yes, I said I used to blow it off.

[B]

No, but now you do.

[A]

Oh, I did. I did. Well, I haven't done that.

[B]

I know English is a second language, and.

[A]

Yeah, clearly. Huh. And El Paso it is in my household, too.

[B]

Yes, that's what I'm saying. You think I'm. What I'm saying is a joke, but it's not.

[A]

I know.

[B]

Okay, whatever. That's fine. I don't care. But. Okay. So you made him go get a better job to be the breadwinner, to be the man, to be the earner so that you can spend more money. So what do you do? Clear. High. Superior. Being on this entire planet, Inflation.

[A]

For the longest time, I didn't do anything. Like, I was just. He basically took me out of work. And then now, from 2022, he's only.

[B]

Had the job a few years. This isn't.

[A]

Yeah. Okay, so from 2022 to 2024. 2025.

[C]

Yeah.

[A]

No, 2024. December. And then I got my real estate. Yeah, I got to get your.

[B]

Okay, so you still don't have a job?

[A]

Basically, I'm unemployed until I get employed again.

[B]

What does that mean? You've been unemployed for, like, three, four years?

[A]

No, I'm a realtor.

[B]

Which means you don't have a job. I think, like, 50% of realtors actually sell a house within a year or buy. Get someone to buy a house.

[A]

I sold eight for my first year. So, I mean, how much did she.

[B]

Bring in her first year?

[C]

Like 50.

[A]

Which was.

[C]

40,000.

[A]

40.

[C]

40,000.

[B]

Okay, so poverty.

[A]

From 0 to 40.

[B]

0 to 40 is good, but literally anything would go up. I mean, you could make that at McDonald's. So you can make more in McDonald's.

[A]

I would hear that.

[B]

Yeah. You would make more at McDonald's. Well, they usually look like you at McDonald's. No, they don't.

[A]

I have seen people that work there. They do not look like me, who.

[B]

Takes my credit card. So you look down on his job. You made him go get more money. What made you get back into making money Last year?

[A]

I saw how unhappy he was at his job.

[B]

Yeah, that you made him get. Because what's, like, your career opportunity? End goal there.

[A]

There's none he wants to, like.

[B]

I want to get back into school.

[C]

And I want to be able to.

[B]

Like, get into school for what?

[C]

Either real estate or like, oh, for sake.

[B]

What are we doing? Like, also, I'm sorry, you're a little too monotone, I think, for that world. You're not, you're not, you're not.

[C]

I can work on it, Salesy. I can work on it, but either like real estate or like, like a construction company.

[B]

Now that I see. What do you mean by that? Not because I'm racist, but because you don't have to talk.

[C]

Yeah, like const. Construction company.

[B]

Or like, I'll get you a construction project, man. Management certification to course careers. I'll get you one of those. Okay, so you got a lot of people in the audience have used it and they make a lot of money now. So that's good. That's a good start. Yeah, I do like construction. Construction is good. Texas is a good place for construction. We build a lot here. We don't have permidine. Like California. Um, that's a good thing. But if you're gonna. If you're gonna be a real. I don't. I don't see being. It's not like that.

[C]

I can't. I can work.

[B]

I give up. I've never even seen someone give up that quick in anything. I actually. That is impressive. I've never seen anyone give up on anything that quick in my life.

[C]

I'm not giving up, but like, that was.

[A]

I never seen anything basically like the attitude he had before getting this job. Like, he would. Like, what was that like?

[B]

What, you destroyed him.

[A]

No.

[B]

With your pussy whipping. No, girl. You have a high heel on his neck. You made him get into something he hates. Now, don't get me wrong. If you were being a little cuck boy pussy. You know, just letting the world roll over you and you are contributing to your relationship. That's fair for her to sign up and say. Or stand up and say, yo, get your shit together. Do something with your life. That's fair. Doesn't mean go into something you absolutely hate to get the highest buck. Not necessarily, but I don't know. You can't say no to her. I mean, I literally have that in my notes. Yeah, like I have in my notes. You saying if you say no to her, you're afraid of her leaving?

[C]

It's not that I'm afraid of her leaving. I just.

[B]

Well, that's what you said to the producers.

[C]

To hear her.

[B]

Well, yeah, look at her. I mean, that's like what. That's what fuels her, is probably Being a bitch. Yeah, well, that's not a good thing. You're miserable. Miserable to be with, most likely.

[A]

No, I'm not. I'm very.

[C]

No, she can be good. She can be good.

[B]

I'm.

[A]

I'm very loving. I'm very nurturing. Like, I promise, when I'm in a good mood, just don't get me in a bad womb.

[B]

Oh, good mood. Okay.

[C]

But she's in a bad mood 24 7.

[B]

Exactly. That's what I'm saying. Look at you. Come on. You're a spicy Latina. Which is. Which is fun for a night. And then we send you on your way.

[A]

It's definitely hard to deal with. Like, I get that, but he just does things sometimes, and it just makes me explode.

[B]

Okay, well, you said to Colton that spending is his fault because he won't say no. That's directly what you said. And you want to be more in tune with your finances, but that's what you're saying.

[A]

Well, I feel like he. He needs to spending a little more or.

[B]

Why don't you just control your own habits, you dumb.

[A]

I do. So let me give you a scenario. Okay. I'll go to the store, and I'll be on FaceTime with him. I'm like, oh, my God, it's so cute. And he'll be like, you should pause.

[B]

Pause. You have your headphones in or not?

[A]

No.

[B]

Oh, my goodness. Every time.

[A]

I'm just.

[B]

Were you born here?

[A]

Yes.

[B]

Yes. Yes, actually. And you're still One of those FaceTimers in public, overly loud.

[A]

Yes.

[B]

Oh, you're the worst. We still. We still need to somehow send you back. Even though you're from here, we need to send you back somewhere. I don't know where, but Anyone that does FaceTime in public, super loud. Send him somewhere. I don't know where.

[A]

I'll FaceTime him, right? I'll be like, oh, this is cute. And then he'll be like.

[B]

And then everyone is misguided.

[A]

And then I'm like, no, babe, we can't right now. We don't have money. He's like, babe, it's fine. Actually, yes.

[B]

Why? Well, first of all, have some self control. What's wrong with you? But also, why don't you speak up? Why are you just a push? Why do you just let do.

[C]

I do, and I do not.

[B]

Based on what she's saying, when I.

[C]

Tell her, she'll be like, you imagine.

[B]

It in the shower later, you'll start crying.

[C]

Yes. On FaceTime.

[B]

Important person in the middle of Sheen. No.

[A]

Sheen is not a real store. It's online only, by the way.

[C]

But see, but she'll start crying. Like, in public, anywhere, really.

[A]

I will not.

[C]

Yeah, she will.

[A]

No, I will not start crying. He literally has no control. That's it.

[B]

He's saying, you'll start crying. And I see how caked up all that shit is. That must be fucking smearing.

[A]

Yeah, it's actually scary. If I cry, I can't cry on camera.

[B]

Huh?

[A]

I can't cry.

[B]

Here, you can cry.

[A]

I can't.

[B]

Can't.

[A]

No.

[B]

You don't say words very well. Okay, so you say you put your foot down, or else she cries, but she says you don't even put your foot down. Yeah, I'm just trying to understand the dynamic of this relationship. As we get into the money here, there's a clear disconnect on the reality of the situation.

[A]

Like, dead ass.

[B]

Dead ass.

[C]

Big reason why, like, I've never really put my foot down. It's because, like, during that time, I didn't have this job. She went behind my back and, like, had a sugar daddy.

[B]

What? Well, you guys were dating.

[C]

Yes.

[B]

What? And so that's your fears. You say no, and then she goes out and gets some sugar?

[C]

Pretty much.

[A]

I did not get sugar or give sugar. I just got money.

[C]

She wouldn't just get money for sugar. She would go to his house.

[A]

Some men are that dumb.

[B]

She would what?

[C]

She would go to his house.

[A]

I went to his house in the.

[C]

Morning and, like, at night.

[B]

That's huge.

[A]

No, no, no, no.

[B]

That's huge.

[A]

But I just took breakfast.

[B]

What if. What if I touched him? I went to someone's house. What? What is this?

[A]

Nothing happened, I promise you.

[B]

Does anyone in the world believe that for a single second? Why would you go to someone's house and nothing happens? Not even all?

[A]

Because he was gonna give me. He literally gave me 500 to take him breakfast. To go pick up the breakfast from. What is it? Crack and Barrel.

[B]

Crack and Barrel, Girl, what is wrong with you?

[A]

What is it called?

[B]

Crackle Barrel.

[A]

Crackle Barrel. And then I picked up the food. He literally placed the order to the phone. I didn't have to place the order. I picked up the food, drove it to his house, and then.

[B]

What is this sugar daddy situation? What was the entire. From your perspective? Because I don't even trust her perspective. What happened?

[C]

So she was working at that union place, and at the time, I was like. She said I was a server, so I wasn't really making good money.

[B]

Yeah.

[C]

And then. Well, I Guess she found him there. And then the restaurant. Yeah.

[B]

Oh, at your titty restaurant?

[A]

Yeah, he came to me. Yeah, a few shots will do a lot.

[B]

What did you just marry? Oh, a few shots. You okay?

[A]

Yeah. A few shots for the man. He left me $800 that day. He said, keep the change.

[B]

Go on.

[C]

So, yeah, so she got the sugar daddy and it was like. Was going on for like a couple of months. From what I saw on the text.

[A]

It was like three months.

[B]

But you didn't know this was happening?

[C]

No, no, the. The reason I found out is because I was doing like a real estate course, online course. And then I was borrowing her her iPad. And then, like, I saw texts of her talking about me to him, saying. Saying that like, oh, what the. Gonna leave me?

[B]

Oh, we're starting. This is the first episode we're filming in the year and we're starting full Springer and I love it. What the are you talking about? That's insane. What are you. What is wrong with you, woman? What is wrong with you, woman?

[A]

Time.

[B]

It was hard time. Shut the up. Talking trash about your boyfriend behind his back to a guy that's giving you money that you met at the titty bar, that you go over to his house? What are you talking about? What is that? What the. Did you even think and say what the.

[C]

I was mad.

[B]

I was mad. But like, let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 880-89733978. That is 889-733978. Break free from the high interest trap and get your under control once and for all. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money? We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account.

[A]

He showed up to my job.

[B]

Shut the up. He's talking.

[C]

So I showed up to your job and like, I was pissed off, but all I did was just sit down and like just mad dog her, huh? I was mad dogging her.

[B]

What does that mean to you?

[C]

Like, I was just like standing there just with an angry face. And then. And we had like a little talk. I was very calm. She says I. Like I was yelling at her, but I wasn't. But I told her, you can be honest with me.

[B]

Yelling at her would have been totally.

[A]

Valid at my job. It would have been valid at my job.

[B]

Maybe not the best place for her, but I think you talking trash about your boyfriend that you keep behind his back to a guy that has given you money of whose house you've been to. Whose house you've been to. And he sees it only on accident by using your iPad. And yes, I think yelling anywhere would have been relatively valid. Beating you? No, but yelling, I think a little. Yeah, not an emotional abuse type of situation, but I think being angry and yelling, yes, I think most people would consider that valid.

[C]

So that's like the main reason why I don't like telling her no, because.

[B]

Dude, do you.

[A]

Do you actually believe I swear up and down I didn't do anything.

[B]

Who the F. C.K. trusts you for anything? Fake tits. Listen, you actually think she went over to this guy house and not a single thing ever happened once?

[C]

No, you don't like.

[B]

See? See, you hear that?

[A]

Are you kidding me? Chad?

[B]

Oh, yeah, you used the fake name correctly. That's nice. Okay, I don't think so.

[A]

I swear, like, okay, the only thing that did happen and he knows that.

[B]

This isn't about defense anymore. He legitimately thinks that likely something happened and you just have never copped to it.

[A]

No.

[B]

And he's afraid of that happening. Again, what do you think about that? Because that is real.

[A]

That is legit. It was really sad and I wish I never did it. Honestly, like, I regret it so much.

[B]

Oh, my goodness. You seem like the fake.

[A]

I'm not, I promise. Like, I really do regret it. Seriously.

[C]

Not at the time.

[B]

You saw the entire text conversation?

[C]

Kinda. I saw, like some parts.

[B]

Well, like, was any image sent anywhere?

[C]

No, because, like, his side of the texts were deleted. But not her side.

[A]

He didn't need an image. He saw me in person. Come on.

[B]

Why were his side of the text deleted?

[C]

I don't know.

[A]

What?

[C]

Yeah, like, his side of the texts were deleted.

[A]

When?

[B]

Look at that face. That is the most. That is the most. I just got caught in a. Oh, no, you are not sly, dude.

[A]

No, I swear.

[B]

Look at you.

[A]

I swear, bro, Nothing happened there, I promise. But I promise.

[B]

Many people consider emotional cheating worse than physical.

[A]

No, Yeah, I. I consider it worse.

[B]

And that is for multiple months.

[A]

I would say it wasn't like I liked the dude. Like, I just like his money.

[B]

We don't know. I don't know.

[A]

He was. He had a receding hairline. He was old as he has a little bit of.

[C]

Don't attack me.

[B]

Well, it's.

[A]

It's just little back there.

[B]

It's fine. Finasteride would be a good start, but.

[A]

I swear nothing happened.

[B]

I don't believe you. Okay, who would give money for literally nothing ever? Not even a single titty pick?

[A]

I promise you. I've had a real sugar daddy where I have had to give sugar, but.

[B]

And that was that while dating. No bullshit. At 19.

[A]

Yeah. Yeah, I had him really young.

[B]

How young?

[A]

I was freshly 18, but.

[B]

Are you sure you were 18?

[A]

Yeah, yeah, I was, I promise. Yeah. And I had had to give sugar, but even surprised myself.

[B]

Huh?

[A]

I was so surprised. He didn't want sugar, I swear.

[B]

Well, he's afraid of you doing this again. And why the were his text deleted? That is sketchy as.

[A]

I don't know. I don't remember. It was years ago. Oh, but I don't think they were deleted. Maybe you know how, like, sometimes it doesn't like, sync, right, with the iPad and iPhone?

[B]

No, that's not how that works. No. Well, now as someone with an iPad here, where it all syncs. No.

[A]

Well, that's what happened. It was improperly synced. Like, there's no way it was.

[B]

Look, you see how she's so confidently saying it's because it wasn't synced? Like she didn't even know she claimed to not even know about 20 seconds ago that the messages on his side were. Then how are you confidently saying it's cuz it wasn't synced?

[A]

That's my only explanation cuz I didn't delete them.

[B]

You are such a liar. You're too easy to see through the lies.

[A]

What?

[B]

This is as clear as day that you're a liar. The fact that you confidently said what happened and why it wasn't there when 20 seconds ago you literally. What? His messages weren't there? That's crazy.

[A]

Well, liar. I didn't know they weren't there, but now I'm trying to come up with an explanation onto why they were not there.

[B]

And if he requested sugar, would I.

[A]

Have given it to him? No, I would have cut it off.

[B]

Easy to say.

[A]

I ended up finding out he had a wife that he didn't tell me about. So that's probably why he didn't want sugar.

[B]

You were literally dating someone. What the.

[A]

Were the. What moral.

[B]

I was not dating him. I. Oh, what moral high ground are you standing on? He had a wife. You had a boyfriend.

[A]

Well, I'm sorry. Was a different time.

[B]

Yeah, say that to him. But he's afraid of you literally doing it now cuz he doesn't trust you.

[A]

I would never do that to him again. Like it's a whole different.

[B]

What you literally have.

[A]

Well, yeah, but I wouldn't do it again. I learned my lesson.

[B]

How you learn your lesson?

[A]

I felt regret. I was.

[C]

I normally. What's it called? The seven stages of grief.

[A]

Yeah, it was hard.

[B]

Look at her face. That is the face of. No. Do you think she actually regrets it? No.

[A]

What the heck?

[C]

And I can tell you no because. I can tell you no because we went to Cancun that year because of him.

[A]

Yeah. He gave me like 30 grand in like the span of two months.

[B]

No way. There was not a drop. That is impossible.

[A]

I wish I could call him so you could ask him.

[B]

Call him.

[A]

I don't have his number.

[B]

Besides that, has anyone cheated in this relationship? No.

[C]

No, not physical that I know of. But like emotionally.

[A]

Me?

[C]

Yes.

[A]

What about you?

[C]

No, I haven't. I've done stuff. But like not like. But like over the. Like.

[B]

What have you done?

[A]

No, you can't justify what you did.

[B]

Wait, what did you do? Cheating. Wait, do you know?

[A]

Yeah.

[B]

What happened?

[C]

It was like video chats and stuff. That's it. But that's it.

[A]

But that's it.

[B]

Colton, did you even know this? Didn't even know this.

[A]

I'm glad you run this up?

[C]

No, that's because, like, it was, like, years of, like, cheating on her side.

[B]

Years.

[A]

So you're justifying.

[B]

Wait, so you were doing multiple cheats?

[A]

No, no, no, no. It was just conversations, convers she had.

[C]

Like, she was in love with some guy that she never met. And, like, that was, like, at the start of the relationship. And she would cry to me about him, saying that she wants to go see him, and, like, that you.

[B]

Okay.

[C]

And then what else?

[B]

And why you stayed? I have no the idea with that.

[C]

I don't know.

[B]

But, yeah, what else?

[A]

And then there's no way you're venting everything, right?

[C]

This is not therapy. Well, there's been, like, a couple of times that I've caught her, like, talking. Talking to other guys.

[B]

What does that mean?

[A]

Like, they flirt with me, and I just.

[B]

Where? Where?

[C]

Like, Like, Instagram and, like, people.

[B]

She's not even at a bar when drunk. Like a. Like, a little off. Oh, that's like an actual real thing. Like, continue, like, chatting, chatting, chatting. Which is okay, by the way. If you guys establish that boundary that it's fun, fine. We could be a little freaking fun. But you guys didn't.

[A]

We had a boundary with prior. With porn, and he crossed that boundary.

[B]

Girl, you were literally. You've emotionally cheated, like, 30 times if it sounds like.

[A]

And who knows how long he was doing that for?

[B]

Okay, so what was this video thing you were doing?

[C]

It was just, like, video chats. Like, me talking to girls.

[B]

And.

[C]

And he paid us, like.

[A]

And he had a Tinder.

[C]

That I only used, like, one night. And then I never met with anybody.

[B]

Yeah, why would you have a.

[A]

To meet up with someone? And that's, like, literally what it is for.

[C]

I never met up with anybody, like, ever, ever.

[A]

But, you know, I didn't. You know what? Like, I did my. He did your. But we're clean.

[B]

Yeah, the video chat. So you. You paid for a private video chat.

[C]

Yeah.

[B]

And you were just, like, multiple and goon to that person.

[C]

Yeah.

[A]

Probably for, like, a year.

[B]

Oh, yeah. Yeah. And it was like a clear. No boundary on.

[A]

Yeah. Because why tmi. We used to watch together, but then it got to a point where I didn't want to keep watching it together. Like, it just felt like. Like the intimacy between us wasn't as great because of the porn. So then I. I drew the line and I was like, I don't even feel comfortable with you watching alone. Like, in general, you know, There was no reason why.

[B]

You just did. Just said.

[A]

No, no, there was a Reason I didn't like how it made me feel. Like. Yeah, but him watching two girls that.

[B]

Are his own, though, clearly it ended up. You did have an issue. Yeah, we found out.

[A]

But, yeah, because he did. He stopped watching the Freeport and he went to go pay for it, and there was, like, multiple apps on his phone.

[B]

What of it?

[A]

It's like an. It's like apps. It's like apps that you go into and, like, I don't know.

[B]

The oil field's that boring.

[A]

Yeah, probably everybody there does it.

[C]

It's not.

[B]

Like, are there, like, oil lizards? Like, there are lot lizards for truck drivers.

[A]

What's that?

[B]

Like, nasty ass hoes kind of like yourself that just, like, show up to the oil? No, no fields.

[A]

I feel like there is not that I know of.

[C]

Like, I've never, like, done anything with anybody in person, so.

[A]

Why'd you have Tinder?

[C]

I told you what happened.

[B]

That's kind of crazy. The downloading Tinder thing is kind of crazy. Yeah.

[C]

Yeah, it is. Like, it was.

[B]

You guys could do these things separately if you guys establish that it's okay in your relationship. Yeah, but you guys were only doing these things behind each other's backs. How the. By the way, if we can't even trust each other on that kind of level, can we trust each other on a literal numbers level? Finances level, not to go spend money behind each other's back if we're literally flirting and sleeping? Honestly, a little touch, probably. Come on.

[A]

I did not touch it.

[B]

I don't believe you.

[A]

I did not touch this.

[B]

Okay, Answer honestly here, because this could be years ago and we can all move on here. We can all move on here. Okay? He can move on. At any point during the entire relationship, did you ever touch an other penis? No, I do not believe you. Did you ever touch another boob? No, I do not believe you. I don't believe either of you. And I think both of you are too scared to say no.

[C]

I've never touched another boot.

[A]

I don't believe you.

[C]

Her tits are the only tits I've.

[B]

Ever touched in my life, and they're horrible.

[A]

I'm gonna get them redone. You're gonna put that into my budget? Please. Because clearly I need a better one.

[B]

Well, yeah, I hate when they're like that. It's great. Well, but they're also not mine, so that's this to deal with. Yeah, I don't believe either of you.

[A]

No, I don't.

[B]

Because you both are serial cheaters in different ways. And I highly doubt. I Never went to the physical level. And again, it's okay if it did. If you guys established a boundary or two. If it happened like five, four years ago, we can move beyond it. But the both of you are. Because I guarantee, guarantee if you admitted to the tit you likely touched, she would then feel okay to tell that. Has a guy touched your tit?

[A]

No.

[B]

Has a guy seen your tit?

[A]

No.

[C]

Oh, why are you thinking about it?

[B]

There it is.

[A]

Because I was like. What do you mean scene? Like in person or a tit pic? No.

[B]

Well, why'd you have to clarify in person?

[A]

Yeah, because I was confused. I knew. No picture.

[B]

She's the worst liar.

[A]

Okay. What?

[C]

Okay, okay.

[B]

But that was a while ago.

[C]

Yeah.

[B]

When that happened.

[A]

Years ago. Yeah, See, got her to admit it to it. You, you about the sugar daddy. It was years ago.

[B]

So how the can we trust each other to manage each other's money and manage the wallet? You have to give her a check.

[C]

You, you.

[B]

You trust her with this check? You can't even trust her in your like romantic and sexual. What do you mean? No. What the. No, you're going to have.

[C]

I don't trust her like in like going out to like spend all of it at once.

[B]

Is that it? Then would that not be trusting?

[A]

And yeah, I wouldn't spend all what I do.

[C]

Like, she'll wait for all the bills to get paid and then she'll spend.

[A]

All my rest, whatever's left.

[B]

Okay, guys, I know what came in on a monthly basis. Let's see. Did you have a commission? Check it. Let's see.

[A]

No, not this month.

[B]

No. Okay, so 7,500 is what came in, what went out, what was the outflow for the house? What was the outflow for the house? Come on, money manager lady.

[A]

I want to say around. I thought it was 7,000, but I want to say it's more.

[B]

How much do you think, money manager?

[A]

I want to say like eight or nine.

[B]

What do you think, Chad?

[C]

Like 10,000.

[B]

$13,255.54. So spending after the bills are paid. You overspend. You beyond overspend. It's all you guys have. Nothing. What are you talking about? And you guys just got married. Which, by the way. Huh? That's crazy. But two. I mean, just. Just calculated. Known. 100. Known was approximately 1600. 1600 is known between miscellaneous and going out to eat. But then there's also unknown. There's unknown stuff. Unknown shopping 860.95 and other large purchases which we don't Know if they're full 5513. So half of that could be bullshit as long as well, but we know for a fact that minimum, $1,600 was spent on bullshit at a minimum. Oh, you guys are trying to have a baby. Yeah.

[A]

Actively trying.

[B]

Is this the time?

[A]

So I thought it was before you guys called me.

[B]

You applied?

[A]

No, my friend did. She applied for me.

[B]

Really?

[A]

Yes. I was telling her, like, my financial situation. Situation, and then she was like, you need to go on the show. Yes.

[B]

Yes. That's funny. Yeah, we'll bring her into the post show.

[A]

Yeah, she was like, you need to go on the show. You sound just like this episode. And she showed me this. The stripper episode.

[B]

Yeah. You are basically a strip. Yes. And come on, you seem like a strip.

[A]

I'm not.

[B]

Now you use the fake test.

[A]

I could probably. I mean, probably gonna be making a little more money.

[C]

No. Because she doesn't know how to twerk.

[A]

That's crazy.

[B]

Is it?

[A]

I can't say what I'm gonna say.

[B]

What? Say it. What? Say it.

[A]

But I could work on your. Yeah, like, dead ass.

[B]

Oh, trying to make a baby.

[A]

Yeah, but I. Maybe not standing up.

[B]

Like, I want this child to have the best potential future as possible, and.

[A]

That'S what I want, too.

[B]

Okay, but yet you're doing nothing to, like, to try to do that. You spent 2,000 more than you made last month. No, wait, it was way more than 2,000. It was like 5,000 more than you made. 6,000. What am I talking about? Your friends applying for you to come on the show because you're a complete mess. Complete disaster. Complete. Up in every way. You guys are going behind each other's backs. And everywhere so ever. He's afraid of you spending all the money after the bills are paid. Are the bills even paid on time? We'll find out. And you guys have horrendous. How much debt do you guys have? Okay, that's not a number.

[A]

Including the house or. No.

[B]

No, let's just say outside of the mortgage. The mortgage loan is 357,494, which means he's basically locked into this job, by the way. Or else you need to have your income substantially go up so he can downgrade his income, but either way. Yeah. How much debt outside of that? What do you think, Chad? How much debt outside of the mortgage?

[C]

So adding the car and the credit cards, like, I want to say, like 60,000.

[B]

Okay.

[A]

I want to see 75 right in.

[B]

Between $72,468, 90 cents. Why after paying bills, are we just going spending money instead of funneling the rest towards paying off debt so our kid can have the best future possible?

[A]

We do. We get a little bit and then we divide in between three girls.

[B]

More than you made. Debt went up. Shut the up. You don't know what you're talking about. No, you don't. Shut up. What are you talking about? You. You spent thousands on bullshit. What are you talking about? That money went to bullshit. It didn't go to paying off debt. You. What are you talking about? This kid is not consenting to come to the world. You are choosing to stick it in. You are choosing to twerk on it. The kid is not consenting to come into this world yet you are going to put the burden of him on this child that you guys are on enjoying all your entire life. So when it comes to you retiring, you, that person, that child is going to have to put their life on hold to take care of their parents because their parents decided to live up their life. And now your kid won't be able to. That's not fair.

[C]

It's not.

[B]

So it's working on it right now. Where you can't even communicate about money. How does money get communicated in this household right now other than the check just gets sent to her? What's the communication?

[A]

It doesn't get communicated. Like, the reason the check gets sent to me is because his idea was just paying off the credit cards each time with his whole check so everything would go to credit cards. And then when we got the house, I was like, you need to send me a check. Because I was scared because he's had a card repo. So, like. And he pays for my car.

[C]

Yeah, that was, like, during COVID Yeah.

[A]

So I'm afraid that that's going to happen again.

[B]

All right, what do you guys think the household financial score is 0 to 10. 0 being the absolute worst, 10 being the absolute best. What do you guys think?

[A]

1 6?

[B]

What the. You think you're above? Just, like, straight down the middle.

[C]

Like, we're not that bad, but we're not that good.

[B]

You know, he had a car repo a couple of years ago, and he.

[A]

Just told you how much we're in debt?

[B]

No.

[C]

Yeah.

[B]

Bad debt. Outside of the mortgage, it's fixable. You know that moment in a business meeting when someone says, let's use AI, but everyone just nods and no one knows what that actually means? Yeah. Most companies right now, meanwhile, your competitors, they're not guessing. They're already putting AI to work. And with NetSuite by Oracle, you can too. NET Suite is the number one AI powered cloud ERP trusted by over 43,000 businesses. It pulls your financials, HR, inventory, CRM everything into one source of truth. That connected data makes your AI actually useful. We're talking smarter automation, better insights and fast decisions that save you money. And now the NET Suite AI connector lets you plug in your favorite AI and ask real business questions. Who are my best customers? How much inventory? Are we drowning in stuff that actually matters? If I were running a fast growing business at scale, NetSuite would be what I'd put in place Place. If your revenues are at at least seven figures, get our free business guide demystifying AI at netsuite.com hammer that is netsuite.com hammer let's get back to the show. Want to know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollar wise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try for free. Plus three months for just 9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started. Because you have a good job. Yeah, you think you're doing well. Yeah, that's what people think. Pulls the weight. Sometimes when you have more bring in a higher income, you get into a worse financial position in this country than those who make less.

[C]

Yeah.

[B]

If you want your Hammer Financial score, find out where you stand in the world of money. Take the assessment for free@caleb amber.com just takes a few minutes. You get to see where you're doing poorly, what you need to do to improve and where you're doing pretty great. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise budgeting app. Guys. New features being added every single month. Massive refresh coming in February. It's incredible. And most people sign up for the annual version because it saves about 50%. And you get my budget friendly cookbook signed by me mailed directly to you. And that only exists through the end of March and Then it's going away forever. Can't be purchased. Can't be nothing. It is going away. So check that out. Gallerwise app. Get your free trial. All those links are in the description below. And of course, you guys get access to that. And you get access to our master your money program, which has every class we've done and every class we will do in the future. And the community of people that are trying to fix their finances or are making their finances even better. So make sure you guys sign up for. Oh, just use those resources. Okay? Okay. All right, Cap, put a one saver card. You guys authorized users? Are these individual credit cards?

[A]

Authorized user in all of them.

[B]

Oh, you. So he has the credit cards. You became an authorized user?

[A]

Yes.

[B]

Leech. Okay, so I did it.

[C]

So, like, how about her credit?

[B]

Really? Huh.

[C]

So, like, how about her credit?

[B]

Your credit?

[C]

But no, I know.

[A]

Credit was. And it held mine for a while.

[C]

When I was doing really good. Like, I was like, at a 700.

[B]

Okay.

[C]

Until this year. Ish. Last year?

[B]

Last year? Yeah. Why? What happened last year?

[C]

Just credit cards and over spending.

[B]

Why? What happened? You doing trips? What trips? What trips are you.

[C]

Well, here too. Like, we like to come to Austin a lot. Where else?

[A]

I don't think the trips are the problem.

[B]

That's a road trip. That's not even like a big thing.

[A]

Yeah, but we spend a lot here.

[B]

Why were you even spending?

[A]

The food. It's delicious.

[B]

She loves good food. You live in the middle of a desert.

[C]

Yeah, she loves food and to, like, shop.

[B]

Yeah, we have halfway decent shopping, I guess. Compared to El Paso. I'm sure it's great.

[C]

Yeah, but she, like. She loves going to like.

[B]

Where are you going? Huh?

[C]

Aritzia.

[A]

Aritzia.

[C]

What's it called?

[A]

Aritzia.

[C]

Yeah, that. Whatever.

[B]

What are you getting?

[A]

Business casual clothes. I'm a realtor.

[B]

Listen. Now I know shit's expensive. I just got a bag for Christmas for my. What did I get? Lindsay? I got something. What did I get? I got a bag. Some kind of bag. Chanel. I got a Chanel bag for the girlfriend. What the are women doing? You guys are insane. The amount of money you guys spend. What the is happening? I don't. I don't even understand. When I went in there, it was exotic languages. I didn't even understand.

[A]

Yeah.

[B]

Is wrong with you? He's making all the money. You want to have a kid? Yeah. You come to Austin, blow it all in. What? Hermes or Hermes.

[A]

Want to see your brand on tv? Roku ads manager Makes it easy to launch targeted ad campaigns in minutes, track results in real time, and drive on screen purchases with just a click of the Roku remote. Get a $500 match on your first $500 spent with code [e-mail]. that's code R O K [e-mail] Terms.

[B]

Apply, all that bullshit.

[C]

But then she makes me get great value ice cream.

[B]

Like, dude, that shit's nasty. I'll be honest. Great value is not good.

[A]

I don't eat there. I eat Ben and Jerry's.

[B]

So you make him great value and you eat Ben and Jerry's.

[A]

The fudge popsicles, they taste the same.

[B]

Same. No.

[C]

No, they don't.

[A]

They do.

[B]

You think you would know that more than him?

[A]

I don't like the fudge popsicles.

[B]

Okay, so we're spending a. Each time you come to Austin, you spend around 2000. How. How now?

[A]

It's so cool. What?

[B]

What is.

[A]

What is Airbnbs?

[B]

Girl, we live here. Everyone's shaking their head no in this room. Well, you're choosing Airbnbs that are insane. We had someone that has an Airbnb on the show recently. What did she charge tonight by the airport?

[A]

Less than 200.

[B]

Yeah.

[A]

Oh, wow.

[B]

Yeah, less than 200. Oh, wow. W. How long are you guys staying? Four bedrooms in a pool. You could get cheaper, guaranteed.

[A]

I need that link. I love a pool.

[B]

Yeah, it's called Airbnb.com.

[A]

Oh, the link of that specific one, though.

[B]

No, you just look sort by price. What the is wrong with you? How long are you guys staying in Austin and how often? I still don't know how it goes.

[A]

We usually stay for a week. Week? His week off?

[C]

Yeah.

[B]

What? Every week you have off, you come to Austin?

[A]

No. Every other week? No and not. We don't come every time.

[B]

I was gonna say. I've never heard of this.

[A]

Listen, I.

[B]

This the city. Okay? It's fine. I've never heard of this.

[A]

We don't come every.

[B]

You also have other ones to choose from. You got Dallas almost just as close to San Antonio. Okay, San Antonio is more you guys.

[A]

But it's more family oriented.

[B]

Yeah, it is, I guess. Yeah, you're right. Austin's little.

[A]

It's like more like. No, we don't even go to the bars.

[B]

What the are you talking about?

[A]

Just like the food, the vibes. You get to walk everywhere. It. Everywhere's dog friendly.

[B]

I would assume in Dallas as well. I mean, if you go to the Walkable pockets are Going to be walkable regardless of where you go. As long as they're walkable. Pockets.

[A]

I've never been to Dallas.

[B]

You haven't been to Dallas?

[C]

It's too ghetto. Well, it looks too ghetto.

[B]

Honestly, I checked the crime rap when I was considering moving there. The crime that happens there compared to the crime here is absolutely insane. The crap, the crime that happens in every city compared to Austin is actually kind of crazy. It's kind of crazy, but someone did get killed immediately when the new year happened at our old office.

[A]

That's crazy.

[B]

Wasn't my fault. Okay, so what's going on in this car? Traveling to Austin?

[A]

Yeah, that's our travel card. We usually. That one used to be paid off all the time.

[B]

So whenever we would travel now it's over. Maxed out.

[A]

Yeah, because of the phone bill.

[B]

Where else are you guys traveling? Wait, it really is just Austin, Phoenix. Did you call me?

[A]

Scottsdale?

[C]

Yes.

[A]

Cancun. What the does that mean?

[B]

I just call it Cancun. Like. Like an American.

[A]

Sorry.

[B]

Well, so Arizona.

[A]

Carmen.

[B]

What?

[A]

That's where we go.

[B]

Where?

[A]

Playa del Carmen. It's like the best city in Cancun. They have like a whole street.

[B]

So. How do you say in American?

[A]

Playa El Carmen.

[B]

Playa Carmen.

[A]

Playa Carmen.

[B]

Nice. There you go. Yeah, now I get it. I'll go there. I'll go to Playa Carmen. I'm not gonna go to Cancun. No, come on. I was setting up to say Playa Carmen the Mexican way.

[A]

Oh, Playa del Carmen.

[B]

Yeah. Okay, so I guess. Well, Arizona's probably just as close, right? Just about.

[A]

That's like six hours a little closer.

[B]

Yeah. Isn't that crazy? Because that's like a whole other state away. You have to go through New Mexico and everything. Yeah, it's still closer than going to Central Texas. Yeah, Texas is damn big area. Okay, so let's see what you spent money on, cuz why the are we spending $682.67 on a car that is over the Limit and accruing $97.29 of interest? By the way, you. Why are we spending on that? Huh?

[A]

We didn't spend on.

[B]

Huh.

[A]

It's the phone bill. It goes in automatically.

[B]

Phone bill. 682.67.

[A]

It's like $370.

[B]

The rest of it, I don't know.

[A]

Probably other bills because we have not touched that card.

[B]

Chad, how long does this take to pay off? If you guys do not purchases which. Which you guys are incapable of and you only make your minimum three payments. How long does it take to pay off?

[C]

Like 20 something years?

[B]

What do you think?

[A]

15 years.

[B]

Okay, 19 years.

[A]

I'm close.

[B]

19 years, your kid will be graduating high school.

[A]

Yeah, yeah. Hopefully not. We're gonna get this resolved.

[B]

Hopefully not. What, you want the kid as you. No. Hope it's gonna be held back that much?

[A]

No, hopefully. Hopefully we get this paid off way before then.

[B]

I would hope so. Not gonna happen when you're buying games on there. You got your security bill on there. You got your phone bill on there, which, by the way, is $424. What is wrong with you? Use helium. If T Mobile is good and El Paso use helium is the most insane phone bill. We have Verizon phone bill I've ever seen.

[C]

Yeah, because of my job.

[B]

What's wrong with your job? They make you pay 500. 500amonth.

[A]

He works in the middle of nowhere.

[B]

That doesn't equal Verizon service. 500amonth.

[A]

That's what I told him. I keep telling him, let's go to T Mobile. He does not listen.

[B]

No, no, it doesn't matter if you do Verizon just for the service, it's going to be like what, 120, 150 bucks a month about how this is 500amonth.

[A]

The device.

[C]

Just because of the devices.

[B]

Well, why are you financing your devices? Huh? Huh? Well, what devices you guys possibly financing? He got this much.

[A]

Mine is not new. He has a brand new one.

[B]

Yeah, I had. I had like 500.

[C]

I like the 16.

[A]

Well, that one.

[B]

That one was on here as well. Stupid, stupid, stupid. On a car that goes above the limit in a cruise. Interesting. Why do you guys want to pay 30% on all these bills you guys have? You have bills that you signed up for and you want to pay 30% more. That's smart. That's great. And then Camino Real Regional.

[A]

What? Isn't that a hotel?

[B]

Oh, my. You.

[C]

Yeah, that's a hotel.

[B]

Yeah.

[A]

What does it say?

[C]

What does that say?

[B]

$74.56. $74.56?

[A]

No, with a water.

[B]

What?

[C]

Water.

[A]

Water bill. That's what it's like.

[B]

It's like 700 bucks in interest last year. 700 ripped. 700 that you spent on the oil fields? Gone, destroyed, obliterated. At a 28.74 interest rate.

[C]

28. I didn't know that.

[A]

You didn't know you applied for them?

[C]

No.

[A]

I don't even have a say when you apply.

[B]

What? Yeah, well, he doesn't have A say when you go text men behind his back either, so.

[A]

Neither do I.

[B]

He's not texting women. He was on booby cams.

[A]

You could text people there. You can meet up with people there.

[B]

You can meet up.

[A]

Yeah. It's a prostitution site, basically.

[C]

Not that I know. I just did the chats. Like the video?

[A]

Not that he knows of. Did you not read the terms and conditions?

[B]

What websites do you use to meet your prostitutes?

[A]

Brandon, don't. Don't give it to us. He does not need that.

[B]

You want to have control.

[A]

No. You said no.

[C]

Wait, what? No. Yes. Yes, I do have control. No, but like, I don't. Like what? I don't know.

[B]

Oh, boy. Guys, obviously not credit card people. I'd use the fizz card. It's a debit card that builds credit. A lot of people out there use it to build their credit and not if they know they don't have the self control. And clearly you guys don't. Platinum card. What's going on with us?

[C]

Is that the Greek card? Yeah, that's her.

[B]

What?

[A]

Like that's not my card. The blue card is my card.

[B]

Oh. We do it based on color.

[A]

Yeah.

[B]

Oh. That's how you know you're in a poor household. Which, by the way, you guys make a lot of money. You shouldn't be. But that's how I was raised the color of a card. That's when you know you have the green card, you have the blue card. Oh, you guys are broke. You guys are broke.

[A]

I thought we were rich.

[B]

Well, you're. And it's also over the limit. Again, rich. Two cards over the limit. Interesting. 90 minimum to payment. 15 years to pay off. Why are we purchasing again? 783.11 on a card that is accruing interest. 64.75 last month. It is above the limit. $2,608 and 73 cents. Why the are we purchasing, huh?

[C]

I think.

[B]

I don't know what color this card is.

[C]

No, this one. This one has been getting better.

[B]

It's above the limit.

[A]

Dude, go into that one too.

[B]

It's above the limit. What is wrong with you? It's been getting better. It's above the limit.

[C]

Yeah.

[B]

You guys just got two brand new dogs.

[A]

Yeah.

[B]

You're trying to have a kid and you just got new dogs and you can't afford to even take care of yourselves. And you got things that.

[A]

We have four dogs. Yeah. They're so cute.

[B]

They're probably cute. But why the.

[A]

Because we got a house. So I have A backyard.

[B]

Yeah, but he's out in the field all day.

[A]

Well, yeah, but I take care of them.

[B]

Told you you didn't work.

[A]

I do. I tried my hardest. I try my best, huh?

[B]

Yeah. No one believes that. No one believes that. This is insanity. Other pugs, three pugs, golden retriever and a gold. Oh, my gosh. It's all. It's all standard scores. Jack in the Box. Supplement Express, Cabo Cut something. Smoothie King. Buffalo Wild Wings. Nayak. Vending machine. Going in some bullshit smoke shop. Apple Bill. Apple Bill. Allsup. Allsup. Paramount. All Sup Experience. Credit score. You're paying for that shit. Fast track. Apple Bill. Desert Palo Verde. Apple Bill. Going inside. Getting some bullshit. Getting some bullshit. Hundreds of dollars in interest. What the are we doing? Pull up your phone. Give it to me now. Now give me this shit. And you too, by the way. I'm about to do same thing for you. Apple Bell Pain for gbt. You work on the oil field. What are you even using it for, dude? I mean, I like it, I use it, but what the are you using it for? How do I not blow up the oil today?

[C]

Just for fun?

[B]

Duolingo. What are you learning?

[C]

I was learning German for a good minute, but then I just.

[B]

Why gave up? Are they on the move again?

[C]

No, it's just for fun.

[A]

I was wondering. Okay.

[B]

Hbo. Max it is. That and Apple TV are like the best for the premium tv. But you can't. I don't know if you can afford it right now. ICloud Plus. Okay, open.

[A]

I did open it. You took too long.

[B]

How many men are in here?

[A]

Lot. But they're realtors.

[B]

What?

[A]

They're realtors.

[B]

Why do you say everything like when? Like.

[A]

Do I really?

[B]

Yes. It doesn't annoy you.

[C]

You're used to. I don't hear it. Yeah, like come used to it.

[A]

He doesn't even hear me.

[B]

I'm gonna go through your guys text messages and the post show. I bet you guys just fight.

[A]

No, we don't actually.

[B]

Peacock. He just said yes. You said no. See, you can't even agree on that.

[A]

No.

[B]

Oh, Facetune. I am not surprised. Yeah, you were the most face tuned. Yeah. Oh yeah. Well, it's there. And you look like the exact person that would use Facetune. Peacock. Why the are you paying for that? At least he's paying for a good one with hbo.

[A]

I watch Real Housewives hoping to become one one day.

[B]

Yes, I'm starting to understand Canva. Ample music that's included with your verizon. Plan. But that's only 500amonth. Colton's telling me you also have an obsession with T.J. maxx.

[A]

I do.

[B]

Why? It's C.J. max. What's so special?

[A]

We have something new every day.

[B]

Oh, you're keeping the children employed in Vietnam, I guess.

[A]

Yep. A job's always good, huh? A job's good.

[B]

Clicks over 1.1682.11. Minimum monthly payment. $64. 13 years to pay this off. Interest occurring. Purchasing. $858. What are we doing? $858 when the interest rate is occurring. 44.76 dollars cents a month. What are you doing, guys? Why are we purchasing on this as well that. So this one gonna be all. What's going on with Quicksilver 1?

[C]

I think it was like. Like when one car doesn't have money, we go to the next and then the next.

[B]

The next color.

[C]

Yeah, pretty much.

[B]

You guys are not credit card people. Close these. You already have a house. So what do we need credit for? Destroy them. Well, I burn like that.

[C]

And that was a plan before we got the house.

[B]

And then. Well, I got an afford.

[C]

No, we couldn't afford the house.

[B]

Then why. How did that plan.

[A]

Because, okay, so he tried paying off the credit cards before getting the house. So he got a loan on his 401k to pay off the credit card.

[B]

Which is so stupid because you didn't change your behavior first, which means you just build up the credit cards again.

[A]

Yeah. Okay, so now we can't close it, but the plan was to close it.

[B]

Well, the credit cards you can still close, but. Yeah. What happens if you quit your job or if you get fired? What if the oil industry. Listen, oil. Oil is getting nice and cheap again. Supply is flooding the market. Sometimes that means. That means they might slow down so that price can stabilize a bit more so they can make more money, which might mean layoffs.

[C]

Just say, not with the company I'm working for.

[B]

That company never lays off.

[C]

It's rare.

[A]

They do.

[B]

It's rare. You're right. Honestly, in a lot of companies is honestly even like mass layoffs. And tech was a bit more rare until this year. Federal government a little more rare until this year when the economy changes and oil prices are on the way down, you know, getting like. What is it, like a buck 50 in some places now for a gallon of gas. Kind of crazy. Or if the economy comes to a big slowdown, which last quarter's GDP numbers were good. But we heard you nine years of bring back the snack wrap and you've won. But maybe you should have asked for more. Say hello to the hot honey snack wrap. Now you've really want go to McDonald's and get it while you can. People cut back on. I'm just saying you already want to quit anyway. Then all of a sudden your 401k loan comes due. What are you going to do?

[C]

I. I've been paying it like every.

[B]

Check it comes out of the yeah, but it will become due like that. No huh. Didn't even know that risk, did you? Oh it's all Smoke Shop. Who's killing themselves we both of why.

[A]

You already he does nicotine like that.

[B]

Kills you bad and what do you do? Dunk weed. What you think that's as good?

[A]

It's a little more natural.

[B]

Nicotine is natural but they put a lot of shit Tobacco's natural.

[A]

Ones that look like an iPad are natural.

[B]

What do you do? Vape.

[A]

Yeah but it doesn't look like an iPad. It's extracted from the plant.

[B]

Shut up. Just shut up. You know okay. Smoke shop going in against the what are you getting a Dollar General for like 4.95 every day probably milk. Every day you go get a gallon of milk.

[C]

Oh no. Like it's chip munchies.

[A]

They're called munchies. You should try them. They sell them at the gas station.

[C]

Only or a dollar she eats okay.

[B]

Munchies. Munchies. Munchies. Password of course Went inside, got some bullshit all subs Went inside got some prop wire smoke and vape all subs Prime Video Amazon Prime Video Microsoft all subs are we doing Guys, this is all. It's all you dumbass. Two lay fees this year so far. I thought. I thought the credit cards on the credit card. I thought you gave the check to her so she can pay your bills on time and then go it goes through yeah like but interest and late fees on this card interest rate almost 30%. Oh Ashley home furniture I will never buy from Ashley again.

[A]

Why?

[B]

Horrible experiences. Not great kind of shitty products. I like the person who works there that I bought from have a good relationship with her but most because she relative of someone I know. Either way regardless still wouldn't buy from Ashley. Oh my gosh. You oh. $5,486 to 75.77 with Ashley at 168.99amonth. What is wrong with you guys?

[A]

No interest.

[B]

Yeah, until there is you dumb tit. Takes 3 years to pay off.

[A]

But I'll pay it off by then.

[B]

You have to. Yes, it's not really an option. What was this for?

[A]

Our couch and our guest bedroom furniture.

[B]

How critical was that? We had to do the guest bedroom furniture or else we were gonna die.

[A]

I got a half off.

[B]

Dude, that's Ashley's thing. It's. So they do have.

[A]

No, no, I price matched. It was like a thousand something at Ashley and then online, I think it was at.

[B]

At Ashley?

[A]

No, online.

[B]

At Ash.

[A]

No, online. On Big Lots, I think.

[B]

Big Lots?

[A]

Yeah, Big lots had it online for like, half the price. So I got.

[B]

If Big lots even sells it, you shouldn't consider it.

[A]

Well, I'm not sleeping on it. It's for guests.

[B]

What a host.

[A]

Hey, they got a brand new mattress that cools when you're sleeping.

[B]

Is that where we want our mattresses from, Kohl's?

[A]

No, no, no. It cools. It's like fresh cold.

[C]

What, fat people won't be sweating?

[A]

Yeah.

[B]

Do you mean it's cold?

[A]

Yeah.

[B]

Does it have the eight sleep on it that cools you?

[A]

I think so.

[B]

No, it doesn't. You spent 10,000 hours on a mattress cover. That cools you?

[A]

No, it's not a mattress cover.

[B]

It's a mattress. Is it the natural cooling bullshit?

[A]

Yeah, I think so. I don't know. They sold me on it.

[B]

Yeah, no shit.

[A]

I got an open box, so it could be cheaper. They told me that they just open the plastic and then they send it back.

[B]

By the way, you're getting a paper statement fee on this every single month. You're literally paying for that instead of just going digital to. What's wrong with you? Yeah, why do that? Just go digital, you dumb minds.

[A]

Me? I have too much going on.

[B]

No, you know, you. You have nothing going on. You're a fake Realtor kind of come. Well, come on.

[A]

A little bit.

[B]

You made less than you'd make working at McDonald's.

[A]

But it's a new year, so for everyone. It'll go better this year. Maybe I'll hit six figures.

[B]

Oh, collections. Why do we have collections?

[A]

For fun.

[B]

What the is going on? Dude, we got $5,067 in collections. What?

[C]

That was a apartment that I.

[B]

What is wrong with you?

[C]

Why During COVID I got evicted. I couldn't pay for it.

[B]

Why?

[C]

I didn't wasn't making any money.

[B]

Why?

[C]

I didn't have a job. Well, I didn't have a good job.

[B]

Dude, Texas closed for like a month.

[A]

That's why I gave him an ultimatum, because he was getting evicted.

[B]

It was that job.

[A]

Mm.

[B]

It's a win win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Webull and get a 2% match on all of your money that you transfer over. And finally sign up for automated investing with acorns. Typically the sign up bonus is only 5 bucks but with my link you get $20. Ladies and gents. You get money, I get money. Enjoy. Links are in the description below. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy drink is gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 off your order at gamersupps gg or click that link in the description below. Type in code. Caleb, why don't you go get a job? We Texas did not struggle during COVID for like a month or two maybe.

[A]

And then we got checks.

[B]

They approved you for a mortgage with this.

[A]

I was impressed.

[B]

You are impressed.

[C]

Great.

[B]

Glad they impressed you. $5,067. What's your plan with this looking the other way? Well, it's gonna be on your credit until 2031 at the earliest.

[C]

It's like seven years. So it's like yes.

[B]

Yeah.

[C]

2031.

[B]

Yeah. This hit 2022 and I was trying.

[C]

To like, basically like I hired somebody to. For them to like get it, to get rid of it.

[B]

Hired somebody to dispute it?

[C]

Yeah, to dispute it.

[B]

Well, why would it be disputed? You didn't pay your rent. They evicted you. You owed this.

[A]

Yeah.

[B]

So instead of paying something you actually owed, contractually, you hired someone to dispute it.

[A]

That's what I told them.

[C]

And they were doing it. They were going to do it. They were sending letters.

[B]

There was nothing to dispute. You got evicted. Fairly.

[C]

Yeah.

[A]

But what I kept telling him to call him and set up a payment plan and he never would. He's like, no, it's just gonna go away. He's like, why would it go away?

[B]

Eventually.

[C]

It goes away.

[B]

Yeah, to a certain point. But there are certain. You know, there are legal protections as well, if they ever view it worth going to court for. They could. Yeah, they probably won't. Yeah, but they could. But it's been known to happen.

[C]

Well, hopefully it doesn't.

[B]

I hope they don't. It's been sitting long enough where I don't think they would, but we'll see. Okay, here's another loan. What is this? $4,226.62 with a minimum monthly payment of $101.16. What is this?

[C]

That's the other 401k loan, too.

[B]

You have two 401k loans?

[C]

I already paid one off earlier this year, and then I got a second one.

[B]

401K loan.

[C]

Yeah.

[B]

So obviously that is taken before your paycheck hits. Yeah. So why'd you get another one?

[C]

To pay off the credit card.

[B]

So you did it twice? Yeah. Yeah.

[A]

And I didn't find out about the first one until.

[C]

Well, the first one, it was because we went to Cancun and she wanted to go shopping, and I didn't have the money for it, so.

[B]

You took out a 401k loan for shopping in Cancun?

[A]

I didn't even know what the is wrong with you.

[B]

Well, you know why he did it. So you wouldn't go suck behind his back for a paycheck. Because that's what you're known for.

[C]

No, no.

[A]

Defend me close.

[C]

No, she's not known for that.

[B]

Making a guy think like his is gonna get sucked for a paycheck.

[A]

Yeah, Yeah. I lied to people.

[B]

Oh, we know. And. But it's not very hard to see through for you. Dude, that is crazy. What the. What is this relationship to you? Another sugar daddy, but this one you just bounce on.

[A]

No, no, I truly love him. Like, the reason I'm with him is.

[B]

He'S taking out a 401k loan. So you don't leave him for money.

[A]

He did that so you don't leave him for money. But that's his own traumas. He should work on that.

[B]

His own traumas? Wait, from you? From your actions.

[A]

Wait, can you stop therapy from your.

[B]

Actions a couple years ago?

[C]

Yes.

[A]

Like, if you chose to forgive me, we chose to move on from it.

[B]

Whoa.

[A]

And you simply can't.

[B]

That is like, you want to seek.

[A]

Therapy to make it better.

[B]

Actual victim blaming, not the bullshit TikTok stuff that you always see that wannabe victims do. That is actual. That is insane. Why what you did that you're saying then he needs to seek therapy.

[A]

He did something to me, and I seek therapy.

[B]

The cam girl. You seek therapy because he jacked off to a cam girl once?

[A]

No, I seek therapy.

[B]

You were literally cheating. Why?

[A]

I just seek therapy to be a better person.

[C]

Bipolar.

[B]

You're gonna need a lot more.

[C]

She's psychotic.

[B]

Yeah. What girl? Look at yourself. No shit. Watch this episode back.

[A]

I'm not psychotic.

[C]

What did your therapist tell you that you have. What do you have?

[A]

I get manic episodes from spending.

[C]

What?

[B]

Spending? Yes.

[A]

So, like, how do you get Frost. Spending.

[B]

Spending.

[A]

So my manic episode is. Is spending. Like splurging. So, like, I'll be going through, like, a manic episode, and I just want to spend money and, like, I'll go to T.J. maxx. Yeah.

[B]

That all they have in El Paso?

[A]

Yes. That's the only fun thing. Unfortunately, the mall is like. Well, the good mall is like, what, 30 minutes away from us, so. Can't go there.

[B]

Why? You live. I go 30 minutes every day to get the work.

[A]

Yeah, but you live in a big city. Like, that's expected. Is it?

[B]

El Paso, considered a city.

[A]

It's really small.

[B]

It's the fifth largest in Texas, but it's still in like the. In the country. It's still the halfway decent sized city.

[A]

Yeah, it's just. There's a lot of traffic. That's really what makes the.

[B]

Why go to a city that's. Well, okay, you're right, actually. I do not want you to go to that mall. Why am I trying to.

[A]

Exactly. Don't enable me.

[B]

Yeah, no. Well, you should have a little bit of self control.

[A]

I don't. I try. I even took.

[B]

Try what? Try.

[A]

I literally took bipolar medication and it helped me.

[C]

It did, but then she took it, and then she stopped taking it. Yeah, she saw how good she was doing.

[A]

Yeah, I was doing. I'm a. I was doing so good, I thought I didn't need it anymore.

[B]

What?

[A]

Yeah, but let me tell you, I need it. I really need it. Hopefully my doctor doesn't watch this because.

[B]

Yeah, why don't you just do what your doctor says?

[A]

Well, I try. I try my hardest.

[B]

You try? You actively chose to stop taking a medication?

[A]

I didn't actively choose. I just forgot one day, and then I forgot the next day, and then I just forgot. And then by the time I remembered, I already forgot. Three days. So it's basically like restarting the treatment. So, like, what's the point?

[B]

To get back on the medication. You Dumb. What are you talking about?

[A]

I'll work on that.

[B]

Don't you just have to take it? Isn't that it?

[A]

Yeah, but remembering to take it is hard. It's like two pills.

[B]

Do you take anything else?

[C]

We do.

[A]

No.

[B]

No. Yeah, Weed with that medication, by the way.

[A]

Yeah, My doctor does not like that. It can cause psychosis. Yes, that's the reason why I don't take it. Because, like, God forbid, I guess I close this one day. That'd be very scary.

[B]

One day.

[A]

Probably soon.

[B]

Okay, so this is the 401k loan, $4,226.62, that you're not taking advantage of growth in the market of. Which was an incredible year in the market, by the way. Incredible year. You're paying the interest back to yourself, but it's like. It's stupid. Instead of actually gaining the good shit, what are you gonna do when you get pregnant? You're not gonna smoke?

[A]

Yeah, why wouldn't I. Why would I.

[B]

Stop now if you can?

[A]

Okay, I will. I'll do it for you.

[B]

Huh?

[A]

I'll do it for you. Just because you asked me.

[C]

I've asked you to stop so many times, but you don't listen to me.

[A]

Yes, like, he's asked me to stop because he said, I've told her. She sees. I do really good. I do really good off of it. Like. Like I am.

[C]

Because of weed. She weighed, like, 200 pounds last night.

[B]

He literally.

[A]

Literally. We came to Austin and he looked at me and he was like, come here, babe. I'm sorry. It just looks like you're in a fat suit right now. Like, what the. Of course I got it together, and now we're here. I still need to lose a little weight, but not a fat suit.

[B]

That's all. That's the reason you wanted her to quit? Not her lungs, not her health.

[A]

Yeah, I got fat.

[B]

Are you still fat?

[A]

No, not to me. I'm kind of skinny. He just said I'm not skinny. I'm. I feel like I'm thick.

[B]

He thinks you're still fat.

[C]

No.

[A]

You said you really think I'm fat?

[C]

No, no.

[A]

Let's talk about you.

[B]

Give us a twirl.

[A]

Thick.

[B]

Thick.

[A]

Yeah, I'm thick. Not fat.

[B]

Curves. Yes, it holds more here.

[A]

Yes, unfortunately.

[B]

Which is why you use Facetune.

[A]

Yeah, yeah. And even the Facetune does not take off my double chin. You need to show me how to use it, because I don't know.

[B]

I don't use it. I embrace.

[A]

Well, you know about it. So you Must.

[B]

What? You just called him out for being fat. Well, he's not fat.

[A]

You can't see them love handles, bruh.

[B]

He is leaving not fat in any way whatsoever.

[A]

He cries himself to sleep every day because he's.

[C]

No, I don't.

[A]

Yeah, he literally tells me I'm so fat I can't eat today.

[B]

Well, that's likely someone caring about their health. And his fat is not actual fat.

[A]

Come on. It's not fat.

[B]

Give us a twirl.

[A]

Give a troll. Come on.

[B]

This dude is not fat. What are you talking about?

[A]

He's. He's.

[B]

He's average built, sure, yeah, maybe. But he's not fat.

[A]

Well, he calls himself out. I'm just.

[B]

Well, yeah, because he probably cares. Yeah, or you just let yourself go. He said it, not me. I looked great when you were fat.

[A]

Yeah, I'm still pretty. Being fat does not make you ugly. I've seen some fat people with beautiful faces.

[B]

Fat people usually like age better because it's stretchy. Yeah, they do like face.

[A]

I noticed.

[B]

But then they don't make it to as high of an age.

[A]

Yeah, because all the.

[B]

But they do have baby face longer. Okay, house, here we go.

[A]

We got a good rate. You're gonna be really proud.

[B]

It's fine. That's kind of just what rates are. It's about 5%.

[A]

They weren't that when we got it.

[B]

When did you get it?

[A]

In August. Yeah, it was like a six.

[B]

Yeah, it's like five, six. Yeah. Did you pay down?

[A]

Yeah.

[B]

That's not being proud. You paid down the rates.

[A]

No, we didn't pay down the rent. We paid down payment. Yeah, we did pay down payment.

[B]

What was your down payment?

[A]

14,000.

[B]

What is that? FHA. Yeah, I'm really proud of that. Okay. It's fine. I guess puts you in a precarious situation in a housing market like Texas.

[A]

Address? How do you not know the address? Be so for real.

[B]

Have you ever typed in an address? Yes. You put the zip code first?

[A]

Yeah.

[C]

It was an accident. Because I saw the zip codes there first.

[B]

What the. Your kid. This is gonna be the dumbest child I didn't think ever born. No. Yes.

[A]

No. I hope not. You think it will?

[B]

What are you guys. You owe357,494.89 with a 44.875 interest rate at $2,560.28 a month.

[A]

It's not coming up. It says. We didn't get that.

[B]

Huh?

[A]

It's not coming up.

[B]

What is it?

[A]

Do I tell you. The address.

[B]

Give it to me. Do we have the link to like something maybe one eternity later? No, that's New Mexico.

[A]

Yeah, we are in New Mexico. Like state line.

[C]

Like.

[B]

Oh wow. You're technically in New Mexico.

[A]

Yeah.

[B]

New Mexico's a hole actually.

[A]

No, yeah it is.

[B]

You actually have an equity position. For what it's worth this in the middle of nowhere, it's worth probably about $381,500. Okay, so a little bit of an equity position, which is better than a lot of people are getting these days. New Mexico. Interesting. New Mexico sucks.

[A]

It does, but it's. We wanted to be on the west side and that's the closest to the website we could get.

[B]

Yeah, that's real west side. That's hyper west side. In fact, I would say that's like ultra west side. As in across the state line.

[A]

Yeah.

[B]

Oh my gosh. What are you doing? That's horrendous. Okay. Oh shit. I thought that was the end of the day. What is this? What is this? Mazda.

[A]

That's our negative equity. Mazda.

[B]

Is this a loan or a lease alone? What the. $780.86 a month Mazda. What?

[A]

It's a CX50.

[B]

Why? 41 744. See, listen, you're like, we can't afford our bills. Go get a better job and then you got a better job and then you made your bills go this well.

[A]

Let me tell you something.

[B]

Yeah, tell me something.

[A]

I actually have same exact car, but the smaller, same color, everything, just a few miles on it. And then I went and I traded it in because I wanted the newer, bigger version.

[B]

What am I supposed to get from that?

[A]

That's why I'm dumb.

[B]

Okay.

[A]

Yeah. Oh yeah. And then also we thought we had financed for five years and we actually financed for six years. That's why the payment seemed better in our head at the moment. Cuz it was only $100 above.

[B]

Go. $41,744.85. What do you think it's worth?

[A]

Like 25 000?

[B]

Well, it's valued at 20 $129. That's insane. You're underwater by half. What the crazy.

[C]

Nope.

[B]

That is absolutely crazy.

[A]

Yeah. We want to get rid of him.

[B]

Good luck. How? You're underwater by half.

[A]

Can we count?

[B]

What's the interest rate? What's the interest rate?

[A]

I think it's a four. Four?

[B]

I hope so.

[A]

Yeah, it's a four.

[B]

Oh my gosh. Your repossession is still on your.

[C]

But like that. Like but like, what, Colton? Today. And like, I was surprised because I didn't know. I said.

[B]

You said it's in your experience. He doesn't have your experience.

[C]

No, I know, but like, it didn't. It never showed in my. Every time I would check it or like when.

[B]

Oh, it's on there right now. $7502. It'll probably fall off in the next year or two. Yeah, finally. Is that the end of our debt?

[A]

Yes.

[B]

Oh, what a mess. Guy. Oh, my goodness. Checking account's all right. Started with 4259. That's great. But ended with 805. It's horrible. Zelling out. Zelling out. Salad, country club, smoke shop. Going against the. Getting some donuts and hot something. Apple, cash, atm. Who knows where the that went. Ven for Troy. Zelling out. Pet Smart. Going against the Smoothie King. Moochie's Mexican. Vending machine. Vending machine. Chili's Teriyaki. El Coochieville.

[A]

El Cochivill is crazy.

[B]

Cimarron. Pat Smart. But it was again, like a dollar. Walmart. It's hard to know. $3.96, probably. Bullshit. Bullshit. Nothing but cake. Chipotle, TJ Maxx. Bullshit. Bullshit. Potential bullshit. Rossos Grande, ice, grande ice. Grande ice, Grande ice, Grande ice, grande ice. What's that? $2.60 every time. Oh, my. What is wrong with you guys? 66 cents in savings, down from 11. Well done. Yeah. From Pilot. Pilot. Oh, my gosh. It continues. Guys, what are we doing? Zelen? Return payment fee. Return payment fee, Club fee. El Paso. Zelling out. Zelling out. El Paso. Samar does something I don't know. And then. What is this? 10,000 in this savings? It used to be because it went down from 11. 500. What is it down from?

[A]

10 to 4.

[B]

Why?

[A]

Because we've been using my savings, so we didn't have credit card money.

[B]

What? You. Yeah, we over maxed out your credit cards. What do you mean?

[A]

Yeah, that's why. So now we're using my savings.

[B]

See you guys. My savings. Why do you talk like this? See, you guys are spending more than you make. You can't say that. You pay your bills and then the rest goes to fun. No, you're overspending. Shut. You guys are broken. You've gone from 11,500 down to 4,000 in a couple months. You guys are headed down to being completely destroyed. 44,000 in this retirement account, but 4,000 of it is on a 401k loan. So about 40. It was 30. Your savings account was 30.

[A]

Hey, the down payment came out of that for the house.

[B]

Yeah, but that was like 12.

[A]

Only 14.

[B]

Okay, so half. So you've lost 10,000 in savings by overspending recently. And look at your bullshit spending those thousands upon thousands upon.

[A]

Yeah, that's to pay taxes. So I'm huh. It's to pay taxes. It's my tax money. It's not even savings.

[B]

Oh, you're draining your tax for bullshit fun spending. Oh you guys are ruined. Good. The like. Did you guys file jointly or separately?

[A]

We still, we haven't filed.

[B]

What are you going to do jointly or separately? Well, what's recommended might be worth separate.

[A]

Yeah.

[B]

I mean how do I incorporate your income into the house? How do like I'll round you guys up to like 8, 500 or something as your income if you set aside money for taxes. I don't even know, maybe 9,000. But let's see, let's see if we can do this. Obviously we know Your mortgage is $2,560 and K minimum monthly debt payments $1,241.85. And what's your gas, electric utilities, all that shit combined. How much?

[C]

Around 300.

[B]

Okay. Phone bill. What was it again?

[A]

370.

[B]

No it wasn't. It was like four.

[A]

That was just a one time because he got a new device.

[B]

Gas from drive. Drive. Both of you combined gas me.

[C]

It's like $40 every two weeks.

[A]

Mine is like. I want to say 15. No, 200amonth.

[B]

280Amonth. Car insurances all combined.

[A]

To 150.

[B]

Food 600. Meal prep, warming up. Not going to be exotic, not going to be fun. Use the meal plan that comes in our debt class in the master your money program. And use the cookbook obviously if you need to TV fund anything else needed for survive. This is makeup, toilet paper, anything. Tampons, all that good stuff. 150. Medical, health care, their co pays monthly basis. Nothing at all. No medications?

[A]

No. It's free.

[B]

Jim.

[C]

$60?

[A]

No, it's for both. Yeah, it's like 60 for both and then I take legree and that's 200amonth.

[B]

That's the fat injection.

[A]

No. What is. It's like Pilates, but harder.

[B]

So 260amonth. Wait, what was their gym? 40, 60.

[A]

Yeah, 60.

[B]

Okay, so 260. I mean are you going?

[A]

Yeah, every day. I just started.

[B]

Ah, that makes sense. $40 for subscriptions and you have pets. It's gonna be like 200 for pet insurance because you Got to be able to take care of them if an emergency happens. How much for pet food?

[A]

I want to say 300. Like 300 every month. Oh, they all eat different food?

[C]

Yeah.

[B]

Why?

[A]

One has medicated food and then the rest are allergic to chicken. But the golden eats big kibble.

[B]

And then, and then there should be two pugs that are the same at that point.

[A]

But there's a pug puppy. So there's puppy food and then there's regular.

[B]

You guys have lifestyle inflated the craziest. And you want to have kids. Me? Yeah. Even with this man, Listen, even if you don't even have income coming in, you have an extra thousand a month after your necessities. That's it. A thousand. And I hope extra money comes in. Let's say an extra 2,000 or an extra thousand comes in on top of that after you set money aside for taxes on average, like it's going to be chunks here and there and you're just going to have to hold over. But you guys got to budget this like crazy. Your bad debt, the repo car should fall off soon, so I'm going to delete that. And the data, your apartment debt, we'll let that fall off as well. So 59, 899 of bad debt we have to take care of and 90 cents right by the 2000 we can put towards that on a monthly average that still takes two and a half years. But that's fine. That's fine because you're not even 30 yet. You'll just be getting about 30. Yeah, you, you're still a couple years away at that point and being debt free at the time, besides the mortgage is great and that leads you're, you can have a kid until then as well. You have to budget in a little for that obviously, but you just got to bring in more money. Well, you're gonna want to stay home. Okay. No, hold off a kid for two and a half years. Maybe you don't have to, but it's gonna slow down things and I want to set up the kid for the best success.

[A]

Okay.

[B]

Two and a half years to pay off debt and call it another year to get a fully funded six month emergency fund. Three and a half years. Then you're living 50, 30, 20, 50% of needs. 30 for wants, which will be a lot of money because you guys should be making decent money. And 20 and 30 can go to. Or 20% gets invested because you got to start catching up on your side and you, you know, decent foundation, actually pretty good foundation. But you need to ramp it up because in about three years you should be at 100,000 invested. You're not even halfway there yet. So that's where we are. That's what we're doing. That's the game plan. Guys.

[C]

Think we can afford a Alexis because she wants a lake.

[B]

I don't care what she wants. Yeah, dig a hole for yourself in the desert. Laying it. Fill it up and you'll be free. Listen, we're gonna bring in the friend who applied for them in the post show and she wants to confront Chad for a bunch of. Oh, okay. The drama's gonna be crazy in the post show. Guys, get ready. We're gonna expose some more things between them that we couldn't talk about on the main show for privacy reasons. Join us in the post show. Let's get the Hammer Financial Score. Spare any within a budget your response? 0 out of 10 debtors collection, 0 to 10 emergency fund, you've drained it to 4. 4 out of 10 retirement. 401k is going to bring it down a little because that's called due. Then you're going to have to pay. It gets. But even still with the 40,000 you have outside of that loan, I will give you a solid. Well yeah, but then it includes your income because we're combined so it's actually going to bring it down. I'm going to give you guys a 3 out of 10 retirement because you have nothing. Real estate, equity position, good interest rate unfortunately in New Mexico. But I won't hold it against you. Okay, yeah, no, I'll give that a 7 out of 10. It would be nice to see a little more equity. But we'll get that in the years to come because after you sell and with all the fees and commission everything, you'll still just break even today. But Hammer Financial score, That is going to be a woo three out of ten. All right, join us in the post show. Three premium shows posted every single day, six days a week. It's incredible. Best membership number one on YouTube for a reason. Come join us for an Amazing extra 20 minutes. See you there.

[A]

He has an issue where people ask him to borrow money and then those same people will go on trips or go out and pop bottles a day before after he already sent them money. And we're not in a position to send people money.

[B]

Wait, you guys are training savings? Why the are you giving people money?

[C]

It's family. It's family and friends and she's your family.

[B]

You guys are.

[C]

No, I know my like the reason. Because of all this.

[A]

What? What is because of that?

[C]

No, no. Because of you.

[A]

Because of me.

[B]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. And that's a promise.

[C]

Lifelock how can I help?

[A]

The IRS said I filed my return, but I haven't.

[B]

One in four tax paying Americans has paid the price of identity fraud.

[A]

What do I do?

[B]

My refund though. I'm freaking out.

[C]

Don't worry, I can fix this.

[B]

Lifelock fixes identity theft guaranteed and gets your money back with up to $3 million in coverage.

[A]

I'm so relieved.

[B]

No problem.

[C]

I'll be with you every step of the way.

[B]

One in four was a fraud paying American. Not anymore. Save up to 40% your first year. Visit lifelock.com podcast terms apply.