Financial Audit's Craziest Divorce

Summary

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Financial Audit — "Craziest Divorce"

Host: Caleb Hammer
Guests: Virginia (26), Tony (28), Waco, Texas
Date: August 3, 2026

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Overview

This episode dives into the raw and tumultuous financial—and personal—history of Virginia and Tony, a heavily indebted, recently engaged couple from Waco, Texas. Before even tackling their finances, host Caleb Hammer explores a chaotic web of rushed marriages, infidelity, legal troubles, and messy co-parenting—all of which shape their current instability. The central storyline: Are these two, dogged by impulsive spending and poor decision-making, doomed to repeat their chaotic patterns, or can they finally break the cycle?

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Key Discussion Points & Insights

1. Relationship History: Divorce, Cheating, and Impulsivity

• Both partners are on their second divorce, planning a third and second marriage respectively.

  • Tony married his high school sweetheart at 19, divorced after infidelity, quickly remarried, and now is engaged again.
  • Virginia married young in a transactional military marriage for insurance and separation pay, divorced after two years.
  • Both admit to cheating in prior relationships. Tony: “I was cheating on her. Thought about killing myself.” (04:22); Virginia: “I did entertain military people... sent nudes.” (12:44)

• Rushing into life decisions:

  • Tony admits post-divorce rebound relationships and getting married “within four months” of knowing his second wife.
  • Virginia and Tony moved in together and combined finances within months of dating.

“You guys move so quick on everything, you're gonna end up in another mess again.” —Caleb (16:09)

2. Finances: Dysfunctional Management

• Combined finances very early in the relationship (“way too soon” by Caleb’s standards, 15:57).

  • Use Capital One accounts with both named as account holders.
  • Virginia maintains a separate hidden account with $600/mo “for bullshit spending.”
  • Tony’s net income crippled by $1800/mo child support; “I bring home is... I think it’s 2,400 monthly.” (14:26)

• Frequent overdrafts and lack of budgeting.

  • Both spend heavily on “bullshit”—fast food, energy drinks, vapes, impulsive Amazon purchases, unnecessary Panda Express, and pet supplies.
  • Both accuse each other of being irresponsible, but both are clearly culpable.

“You make less than her because of that. What is wrong with you? Why can't...Guys don't.” —Caleb (15:30)

3. Communication & Dynamics

• Enabling & Codependency:
  • Virginia acts as a financial “mommy,” trying to give Tony an “allowance” because he refuses to track spending.
  • Tony displays learned helplessness: “I'd rather that she did do it so that way I didn't have to.” (40:53)
  • Both on parents’ phone plans; Tony’s still living in his father’s mobile home.
  • Recurring manipulation and hiding of spending.

“How are you not embarrassed? He is a father of children and you have to mother him and you're okay with that?” —Caleb (41:48)

4. Debt & Spending Details

• Major debt load (approx $40,000+):
  • Tony: Student loans, credit cards (CreditOne at 28.7%), personal loans, $1,400 Verizon bill in collections, truck loan.
  • Virginia: Truck loan ($30k on a $25k vehicle), student debt, high utilization of credit cards.
  • Regular use of payday loan apps (e.g., Dave) and cash advances via Cash App.

“You don't have anything we can save going for you.” —Caleb (60:35)

• Finances further destabilized by helping exes and friends.
  • Virginia previously funded an ex who was unemployed, even giving him access to her Cash App and paying his bills.

5. Living Situation & Family Complexity

• Reside in Tony’s father’s mobile home on six acres, far from Virginia’s work.
• Tony fears moving “will make family disown him and lose inheritance.”
• Tony’s family has a history of disowning relatives over relationships with people of color; highlighted for its impact on their sense of security.

6. Future Plans & Wedding

• Wedding planned for October 2027 in North Carolina.
• Virginia’s mother is taking control of planning, signing contracts and paying for parts against Virginia’s wishes.
• Budget for wedding is low ($2500 venue), with family helping, but cause for more conflict due to financial constraints.

7. Retirement, Assets, and Score

• Tony: ~$11k in 401k; Virginia: None
• Very far behind on saving or building net worth.

“You were the responsible one, the mature one...Nobody ever talked to me about 401ks.” —Virginia (92:46)

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Notable Quotes & Memorable Moments

• On quick marriages:

  “What the f*** is wrong with you guys? You're 26, dude. How have you guys been married this many times?” —Caleb (02:53)

• On infidelity:

  “Dude, you're going to be his third marriage. He's going to be your second and he lost his first marriage because he cheated on her with multiple women. What the f***?” —Caleb (09:08)

• On combined finances:

  “But you've already done the biggest thing of all, which is combining finances, so it doesn't even matter at that point.” —Caleb (16:18)

• On financial parenting:

  “Why do you need her to be mommy? What the f*** is this? Can you not man up, dude? You're older than her.” —Caleb (40:13)

• On toxic family legacy:

  “An individual in my family is no longer welcome...because she was dating black people. They disowned her for that.” —Tony (97:21-97:27)

• On impulsive, wasteful spending:

  “We can't afford life, guys. What the f*** are we doing?” —Caleb (59:53)

• Financial self-awareness:

  “Maybe a one, maybe a one and a half.” —Virginia rates their finances (51:57)
  “I'll be 0.5.” —Tony (51:59)

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Timestamps for Important Segments

• Domestic/legal drama, jail, cheating: 00:03–09:08
• Chronology of relationships and marriage history: 01:36–11:56
• Infidelity confessions and “entertaining” people: 11:11–13:17
• Fast engagement, moving in, financial merging: 14:19–16:15
• Combining and hiding finances (“Bullshit money”): 31:00–37:09
• Overdrafts & mutual hypocrisy: 53:08–55:35
• Living arrangement & family tensions: 60:03–64:25, 97:03–97:27
• Wedding planning conflict: 71:51–74:47
• Debt & credit card/loan breakdown: 75:54–90:07
• Retirement and savings, self-assessment: 92:31–94:39

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Tone & Takeaways

• Tone: Sarcastic, blunt, sometimes harsh but laced with humor. Caleb is relentless in calling out self-destructive patterns, but also tries to give concrete advice—sell the truck, fix the SUV, stop impulsive spending, set up a real budget, and grow up.

• Dynamics: The couple oscillate between admitting mistakes and defending/justifying them, often displaying mutual suspicion but also codependency.

• Financial Score: Hammer Financial Score 0.5/10 — a dire situation, with no emergency fund, no house, no savings, and little hope unless drastic changes are made.

• Memorable Conclusion:

  “Grow the f*** up. Stop being a pathetic piece of s***. And I'm going to call your dad. We're gonna talk about that. And we gotta figure this out.” —Caleb (95:56)

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Key Lessons

• Don’t rush into major life decisions (relationship, money, moving in, combining finances).
• Learn from past mistakes or risk repeating them.
• Hidden spending and joint finances require total transparency.
• Adult independence (housing, bills, responsibilities) is crucial for a sustainable partnership.
• Prioritize paying off high-interest debt and building an emergency fund before big expenditures.
• Open communication and accountability are vital; enabling each other’s bad behavior only entrenches dysfunction.

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Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[B]

She went and filed some charges on me for some domestic stuff.

[A]

What did she say?

[B]

That I pushed her.

[A]

Come on.

[C]

He was drinking and driving with the kids in the car.

[B]

In the conclusion, my attorney told me that there was a warrant out for my arrest.

[A]

Yo, you went to jail. Why are you sending all this to. You said friend. Were we? We're not sending friends this. Yeah, but would you be insulted if she sent nids to another guy? Very.

[C]

That's dumb. That mindset is dumb.

[A]

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[C]

This is Virginia. I'm 26.

[B]

And I'm Tony. And I'm 28. And we're from Waco, Texas.

[C]

And this is Financial Audit.

[A]

Hey, thanks for coming, Austin guys. Happy to have you. Virginia, what do you do in Waco, Texas for a living?

[C]

I am a patient care technician at a dialysis clinic.

[A]

Sure. I hope you make money. Do you make money? What do you make?

[C]

I make 2214 an hour right now.

[A]

Okay. You didn't seem confident in that number, but then you gave a very exact number sent.

[C]

Yes, because I'm supposed. We were supposed to have raises put in on Monday, but they didn't put them in yet.

[A]

Well, what's it gonna be? Do you know what you're gonna make?

[C]

I have no clue. That's. I.

[A]

How do you not know what you're gonna make?

[C]

Because they didn't tell me how much of a raise I was getting.

[A]

Okay, maybe you didn't get a raise. So what is your.

[C]

How many hours a week on average? Probably 44, but it kind of varies.

[A]

Cool. What's your per paycheck Pay?

[C]

I wanna say.

[A]

And hopefully it's going up again. We just don't know how much. It's probably gonna be like a 2%, 3% thing.

[C]

Yeah, I'm hoping for five, but that'd be great. Right now it's about 1400 every two weeks.

[A]

1400 every two weeks.

[B]

Good. So, Tony, I. I do field service on. On compressors and such. I make more trades.

[A]

Related?

[B]

Yes.

[A]

Could be More money. Let's see.

[B]

I make 70k a year, but I pay a lot in child support. And so I bring home is.

[A]

Well, that was your fault. That's not your job. Your job's good. Trades are good.

[B]

Yeah, that's all me. The.

[A]

How you dumping loads, dude? Are you guys married?

[B]

No, not yet.

[A]

Are you going to get married?

[C]

Yes.

[B]

Yes. Next year.

[A]

How many times have you been married?

[B]

Twice.

[A]

Okay, you're 28th. We're going to be. You're giggling about that. That would actually make me incredibly nervous.

[C]

I've also been married one time before.

[A]

What the is wrong with you guys? You're 26, dude.

[C]

Yeah.

[A]

What. What the is wrong with you?

[C]

I'm gonna marry you.

[A]

How have you guys been married this many times?

[B]

I had a bad problem with thinking with my little head instead of the big one.

[A]

Yeah, I don't get married based on a penis. I faced on a penis. I don't propose with my penis.

[B]

The second are you talking about was I was cohorsed. Not like coerced, coerced, but like.

[A]

Oh, I was coarse. Except for, you know, I wasn't actually really coarse. What are you saying?

[B]

She was pushing me and just.

[A]

That's what you say? No.

[B]

Yeah, it was.

[A]

Well, you got ripped into marriage.

[B]

No, I was just. I was in a bad spot because of the. The first divorce. It was pretty short after that. It was bang, bang, pretty short time.

[A]

So short.

[B]

Literally like the. Just, you know, a few months. Well, probably a month after it happened.

[A]

Oh, how long have you been divorced? Since your last divorce. Okay, that's kind. Are you guys engaged?

[C]

Yes.

[A]

Okay, that's kind of bang bang again. How have you not learned this blessing? This is a thing. What is wrong with you guys? How long were you with your first?

[B]

We were together for about seven years.

[A]

When did you get married? How old were you?

[B]

19.

[C]

Oh, I didn't know that. I never, like, looked at the timeline, so I never knew.

[A]

Okay. How long were you with your second?

[B]

About a year. The entire. We got married within four months of knowing each other.

[A]

Why are you having so many kids?

[B]

That was with my high school sweetheart.

[A]

I guess you were together for a

[B]

while, so that's ultimately what led to the first marriage.

[A]

Why'd you get divorced?

[B]

I was cheating on her. Thought about killing myself.

[A]

This show. You didn't know that? Nobody. Oh, giggle about it. He's giggling about cheating on his first wife when you're about to be his third.

[C]

Yeah. I also didn't actually know that's why they broke up. I Knew there was.

[A]

You're learning about that now.

[C]

Back and forth on each other for a little bit. I don't remember if you.

[A]

Tony, what'd you do? What was happening?

[B]

I was just off working on the road and.

[A]

Huh?

[B]

I was traveling for work. I was doing wind turbines.

[A]

Lizards.

[B]

No, no, no, no, no, no, no. Just Tinder. Going on dates. Cause I would be in the area for three to six months.

[A]

Oh, my gosh. But why didn't you just, like, try to do, like, open or just break up or something? You had kids with this woman? Why did you, like, ask permission or something? Because I'd get it six months, constantly somewhere. I mean, yeah, I would struggle.

[B]

She definitely wasn't open to it.

[A]

Well, did you talk about it?

[B]

No. I like it.

[A]

But then you don't know. But either way, even if she wasn't. If she isn't, then if you're a loyal husband, don't. How. How often are you.

[B]

It only happened a couple times.

[A]

Huh. How many years then?

[B]

That was like. All right, at the. The end, I went out on wind turbines, and within six months, we separated.

[A]

What the. How'd she find out? Show and adultery.

[B]

The crazy. My Snapchat had my first and last name on it, and one of the girls looked me up on Facebook and saw our. Our profile and message.

[A]

She outed you? Yeah. You deserve it. Yeah.

[B]

Wow.

[A]

What happened?

[B]

We. We talked about it, argued for a while.

[A]

Argued?

[C]

Oh, no.

[A]

I stuck my dick in another woman without your permission.

[B]

Yeah.

[A]

So really an argument to be had.

[B]

It was more just like her yelling at me.

[C]

Yeah.

[B]

And upset about it. Not so much like an argument back and forth. And then.

[A]

This was two years ago, by the way. No, based on. Oh, you're right. A year ago.

[B]

No, this was.

[A]

Bro. Based on your timeline of how. How. Yes, it. Absolutely. Based on the timeline of how long you're with your second marriage, and you said this was the end of your first marriage. You only had a month gap between them, too. This is a year. Year and a half ago.

[B]

We've been together. I think I misspoke.

[A]

Okay. How long were you guys together?

[B]

We've been.

[A]

A year. We've been together two years ago.

[B]

Yeah, that would have.

[A]

Two years ago. Two and a half, max.

[B]

20, 21.

[A]

What? No, that timeline does not make sense. No, that timeline does not make sense. May I? This. This. This is. I'm. I'm. I'm struggling here. No, you're just trying to make her feel like you're not gonna cheat on her.

[B]

That's. We separated and we got divorced and then we got back together af.

[A]

You got back together and then cheated again?

[B]

No, I didn't cheat again. But that's when.

[A]

Okay, hold on, hold on, hold on. You guys, you guys have been together for a year. That's. You guys. One year. There was a. How long of a gap between you and there's a. Since you started dating her.

[B]

We.

[A]

Since you started dating her in your last divorce.

[B]

There was a. I would say a four month gap. And we've been. It's been more than a year now. Yeah, but not. It's just a few months.

[C]

Maybe like a year and a half if that.

[A]

Four month gaff. Gotcha. And you're with that ex for a year. Ex. Two. One year. There was a one month gap and you were with her for seven.

[B]

But that was. We were separated for a while.

[A]

How long are you separated?

[B]

I don't remember exactly how long.

[A]

Come on.

[B]

That's what I'm trying to think about. But it was.

[A]

Dude, you're with her for seven years. You cheated. End. Even with a little separation, there's only one month between this and then a year. There was four months before you guys got together. So here's the thing. I'm talking a year. Year. One, two. Two and a half years.

[B]

We were separated for like a year and a half. Maybe two years because we went through the whole. We were divorced. Everything had happened and.

[A]

Why'd she leave you the second time then?

[B]

She would never stop. She had started dating somebody else and then he cheated on her. And so she came and started not questioning her. I was the other guy in the. In that situation and I didn't know it. And so that's when I left. But it really.

[A]

Wait, she was cheating on him with you?

[B]

Yeah, with me. And so it really messed with me and that's why I just jumped into the relationship with X too. And it was really just a rebound. But. Yeah.

[A]

How many women were you with when you cheated? Come on.

[B]

I think for sure one before we actually separated. No, there might have been a second one before we actually separate. No, it's just a long time ago.

[A]

Not really. It's really not kind of a blur.

[B]

And there was a lot right after it happened.

[A]

That's like four years. So it's probably closer to three. Dude, the reality is she didn't even know. She didn't even know. That's why you guys got divorced. She didn't even know. Dude, you're going to be his third marriage. He's going to be your second and he lost his first marriage because he cheated on her with multiple women. What the. Why are you. Why are you guys. Guys, guys. You met five months after his second divorce. The second divorce was absolutely crazy. You've only been together for a year, and you're both going to get into your second or third marriage. What the are we doing? Why are we. Why are we doing this so quick? When's your marriage?

[C]

The date is October 2027.

[B]

Yeah.

[A]

Okay, so gave yourself a little more time there. I can appreciate that. Thank you. Don't feel like a rebound, honestly?

[B]

No, not like I feel more like a rebound.

[A]

Okay, so why'd you get divorced? When did you get divorced?

[C]

I got divorced in 2020. 2024. The. The end of 2024.

[A]

Okay, so like a year. But you've been together for a year. You guys got together immediately after her divorce?

[B]

Yeah. Well, no, not after her. No, she got divorced and then that. She was dating another guy for a while, that she had moved.

[A]

No, no. End of 2024. Meaning, like the beginning of 2025. You guys have been together for a year.

[B]

Were.

[A]

Which means at the beginning of 2025, if you guys. If you guys got together a year ago, from the day.

[B]

Yeah, we started dating, it was like

[A]

20, 24 months after your divorce. Okay, March, three months after your divorce time.

[C]

Did I say the wrong year or something?

[A]

You must have.

[B]

Unless you dated a whole nother guy for, like a year after the divorce.

[A]

Yeah, it must have. It must have been ended. 23.

[C]

Yeah, sorry. Yeah. End at 23.

[A]

Why'd you get. How long were you with that man?

[C]

I was with him for two months before we got married. It was your. Your typical military marriage. He's deploying. I had no health insurance. It was a win win. I got health insurance. He got bah and separation pay. While he was deployed, we had a lot of fun and partied whenever he was stateside. Came back from deployment, it wasn't the same.

[A]

What does partied mean?

[C]

We just went out. Well, actually, we were kind of the party house. We threw a bunch of parties, a lot of drinking, just having fun.

[B]

Yeah.

[C]

It aged you 40 years, probably. There was not really a connection. Honestly. It was just having fun and then turned into a.

[A]

How long were you married?

[C]

Uh, two years.

[A]

What the. Why'd you guys get divorced?

[C]

Uh, he came back from deployment. We kind of realized both. That we didn't connect anymore. It wasn't a. I don't want to say a real marriage. We were married, but. Oh, yeah, there was no genuine Connection. We had nothing to talk to each other about, so eventually I just decided to leave.

[A]

Okay. You left?

[C]

Yeah.

[A]

No. Did you tell him? Making it sound like you just kind of walked away?

[C]

So he was actually deployed and.

[A]

Oh, come on.

[C]

Yeah.

[A]

Were you with someone before you broke up?

[C]

No.

[A]

Really?

[C]

Really. Huh. Really? Wow. Wow. I will say I did entertain military people.

[A]

What's that? What does that even mean?

[C]

There was. There was one night where we were drinking. We went to Whataburger. There's a guy in the parking lot. My dogs were in the car. He came to say hi to the dogs, and then we ended up two stepping in the parking lot at Whataburger. And I was kind of entertaining him a little bit.

[A]

What's entertaining him?

[C]

Just talking. Okay.

[A]

That's called talking.

[C]

Yeah.

[A]

Not entertaining.

[C]

We were flirting back and forth on Snapchat quite a bit.

[A]

Okay. You sent nudes.

[C]

Yes.

[A]

Okay, so you cheated.

[C]

Great.

[A]

Dude, this. Everyone's a cheater. I'm just convinced at this point. Everyone's a cheater. Guys, just go open if you don't. People don't vibe with open and that's okay. Then don't. Then break up or stay together. Be a loyal. What is wrong with you?

[C]

And at least we have that conversation, though, about being open. It didn't work.

[A]

Well, there you go. Yeah. You still sent nudes. So you cheated.

[C]

This is true. This is true.

[A]

How many people you send nudes to?

[C]

Just him. Just the one.

[A]

Both of you. Second and third marriage. Both cheaters. Why are you confident this is gonna work?

[C]

I mean, I know I've changed. And the feelings.

[A]

A couple years.

[C]

Yes.

[A]

Okay. How much did you. How long of a gap between seeing that other guy you talked about that was a rebound.

[C]

That definitely did not.

[A]

How long end up the rebound was the gap between him and him between X and.

[C]

I mean, Tony.

[A]

Yep.

[C]

Maybe a couple months.

[A]

Well, that's why you feel like a rebound.

[B]

Yeah. They broke up around Valentine's Day, and then we started dating in March.

[A]

Okay, so it was not a couple months.

[C]

My bad.

[A]

It was like a couple weeks. And by the way, it's not like. Okay, so you learn stuff in a year. Because I know what happened. I was reading over during that entire conversation we had, which we didn't know most of that stuff, but we do know what happened with that guy. Yeah, he was living in a hotel and he was just fully funded. His life. You let him in your cash app. You gave him access to your cash app. You were giving him money. You were just funding him. You can't tell me you learned your lesson. That was a year ago.

[C]

Yeah, it was a year ago.

[A]

You don't know what the. Are you guys talking about?

[C]

Well, with that, I learned a lesson

[A]

that don't give a guy that's homeless your cash app. I don't know if you would need

[C]

to learn a lesson to not let people take advantage of you to actually stand up for yourself, set boundaries. That was a big one.

[A]

She's not letting someone into your cash app. If you're. If we're on the boundary conversation.

[C]

Yeah, that's what I'm saying.

[A]

You're just a broken individual.

[C]

Then zero boundaries before this. And then I think going. Going through that and funding him and

[A]

how much money did you give him?

[C]

I could. I couldn't even tell you. I know he didn't have a job for several months. I was fixing his resume and turning in the resume, applying to jobs. Him. And. Yeah. Right around the end, he finally got a job.

[A]

And. Yeah. You take a guy where half his money goes to child support.

[C]

Yeah.

[A]

Because he can't keep it in his hands.

[B]

Yeah.

[A]

How much do you own child support monthly basis?

[B]

I pay 1800 every month.

[A]

How old? Oh, what was your pay?

[B]

70K a year.

[A]

Okay. Now what do you actually make net on a monthly basis post child support?

[B]

I think it's 2,400 monthly.

[A]

You make less than her because of that. What is wrong with you? Why can't. Guys don't. How old are they?

[B]

Six and eight.

[A]

We're going to be paying for this for a long time. You have any kids?

[C]

No. God bless. Sounds bad, but I'm so glad I didn't have a kid with that man.

[A]

Well, I'm sure you canceled the couple along the way. Okay.

[C]

Fuck.

[A]

Okay, so two kids. You guys are. What the. Okay, so what are we. What are we. You guys are a year together. Have you combined finances? Please tell me no at this point. Yes. You taking inside? Yes. Guys, you move so quick on everything, you're gonna end up in another mess again.

[C]

At least we're waiting until 2027 to get married.

[A]

Yes. I am actually glad you're not doing the not. But you've already done the biggest thing of all, which is combining finances, so it doesn't even matter at that point. What are we doing? Getting a document signed that has a couple legal protections and tax benefits. Sure, that'd be great. But other than that, you guys can combine your finances. Your life is now intertwined in a way that would take forever to untangle. If something bad Happens. What do you guys think this will be the one after you've popped out babies. You're paying for those. And after you just cheating on military people, of course. As always happens. And you other when you're with a wife of seven years, which is crazy, by the way. Why is this the one? No offense. Look at what life has done to you guys. You look literally 45. And the eye bags that you have in the discoloration around your eyes, it's like you have cancer or something. Like. Something is like you guys have gone through death and you're not even 30.

[B]

Yeah, I've been working hard a long time.

[A]

Not a paid child support.

[C]

Yeah.

[B]

And supporting him before I was on child support. Huh? I said, and I had to support him before I was on child support.

[A]

We've been fully divorced from the second. Before you met her.

[B]

Yeah. Well, no, no, no, no, no.

[A]

Of course not. Sure. So why do you guys think this? A couple months is the one?

[C]

I. I can speak for myself. And the. The connection that I have with him is so much stronger and so much better than it was. I understand it's only been a year, but, I mean, we've been through honeymoon phase. Been through a lot of. A lot of together as far as figuring out. Figuring out finances together was really big.

[A]

You haven't figured out finances together. You're on the show where I figure out your finances for you.

[C]

This is true.

[A]

So what. What have you figured out together?

[C]

Navigating co parenting has been a whirlwind. It is now good. It's a wonderful relationship between everybody. And then, I guess moving in together, moving out together.

[A]

What?

[C]

Yeah.

[A]

Moved out together?

[C]

Yeah.

[B]

So when we first moved in. Well, we first started dating, I. I moved in with her and her friend.

[A]

You moved in with her when you first started dating?

[B]

No. Well, yeah, it was pretty quick.

[A]

How quick?

[B]

It was in July.

[A]

How do you guys not learn a lesson? That was like, two months later? How do you guys not learn a lesson?

[C]

And the crazy part is, in the beginning, him and Mao both were like, we've rushed it before. Like, we're not rushing shit this year.

[A]

You've rushed everything.

[B]

Yep.

[C]

And then he moved in.

[A]

He will literally put a ba. Can you have babies? He will put a baby in you. Are you on birth control?

[C]

Yes.

[A]

What kind?

[C]

The nexplanon.

[A]

That's a shot in the arm?

[C]

No, that's the implant.

[A]

Oh, right. Oh, that's kind of what I meant. Oh, sorry. There is a shot version, you're right.

[C]

Yes.

[A]

Okay. Well, that's good. That's like the highest effectiveness. Thank goodness. Okay, I will. I will accept that then.

[C]

Responsible.

[A]

Well, yes. Basic minimum requirement with what happens between you guys, because you guys literally can't control your impulses. Okay, so over a year you guys learned how to do co parenting. Something that would just be required. Dating him, by the way. You guys moved in quickly. You guys are happy in the honeymoon phase. So that's why you think this is going to be it for everything.

[B]

I mean, I.

[A]

Do you know your track record.

[B]

Yeah. And that's a lot of why I wanted to push the wedding back and not.

[A]

But why have you combined your finances already then?

[B]

It's more. So we do it through Capital One. So we have separate accounts, but they're combined. We're both secondary holders on each other. So we can see each other's finances, but she has her own.

[A]

Why so quick?

[B]

That is an excellent question. I think back to what I said about which head I think with sometimes I don't always.

[A]

So why did you let him move in so quick if you were both like. Nah,

[C]

he. He was struggling to pay his rent and his bills and honestly, we were.

[A]

Wow, that sounds like someone I want to move in with me. It sounds like I'm dating a loser who can't figure out his own shit on his own. So why am I supporting.

[C]

Yeah, but we had the discussion beforehand about his finances and what was hindering him from having that.

[A]

What was hindering him?

[C]

Attorney fees I was having to pay

[B]

for all the divorce and all the other drama that she brought up with the divorce.

[A]

What was that?

[B]

She went and filed some charges on me for some domestic stuff. They ended up. It was all bullshit. She just made it.

[A]

Was it. What did she say? What? Before you. Before we hear the conclusion, what did she say happened?

[B]

She said. That I pushed her down or something. I don't know. I don't even remember.

[A]

No, what did she say?

[B]

That I pushed her.

[A]

Come on.

[B]

Okay.

[C]

She also claimed that he was drinking and driving with the kids in the car and specifically said that it was a Michelada, which I don't know if you know what that is, but it has tomato juice in it. Doesn't really drink. I mean, he definitely does not like tomatoes, so.

[A]

Tony.

[B]

Yeah, yeah. No, that's. I mean, don't get me wrong, I do drink, but it's not like a regular thing. Like, I might go have a couple.

[A]

How would you claim that?

[B]

Because she. She was just trying.

[C]

She's crazy.

[B]

Yeah, she basically, she told me right when we Separated. That I wasn't going to see my kids anymore, and that was just kind of an attack at me.

[A]

Why would she claim you pushed her down?

[B]

I don't know.

[A]

Okay.

[B]

In the conclusion there, I had to go to a divorce hearing, and so my attorney told me that there was a warrant out for my arrest.

[A]

Oh, you went to jail?

[B]

Yeah. And so they. I went and turned myself in for it. They dismissed all the charges.

[A]

Good.

[B]

And so it's crazy that you can get a.

[A]

That, like, unless you, like, you're. Well, no, I guess I. I would rather people get arrested before going through the whole thing in case people are violent. But it's so weird. Before you're even charged with it. It's so interesting to have to go to jail. How long were you in jail?

[B]

I just spent the night. I wouldn't.

[A]

It's still crazy. Yeah, it's. It's. It's a. Yeah. It's an interesting thing how that happens. Okay, so you hear a guy that had court fees for allegedly, and turns out didn't, but allegedly push someone down and drove drunk with his kids, and you're like, move in?

[C]

No.

[A]

See, we have different standards.

[C]

This. Yeah.

[A]

For people moving in with us.

[C]

Yeah.

[A]

You and me.

[C]

Yeah. I guess. I'm not sure how much of that situation I knew before you moved in. I don't remember.

[A]

Girl, you didn't even know. He cheated on his first one, and that was the divorce.

[C]

Well, I knew that he cheated, but I didn't.

[A]

The reason for the divorce. It's crazy. You guys are together now. You're talking about getting married. You already have a marriage date on the calendar.

[C]

Yeah, well, after.

[A]

You didn't even know that's how they got divorced.

[C]

And understanding the.

[A]

Oh, right after you cheated on him.

[C]

That it was, you know, distance. Distance doesn't always work for everybody. So I thought that maybe it was just. He was gone for six months, she was at home alone with the kids, and she just didn't want to do it anymore. Mm.

[A]

Give me your phone. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study.

[C]

You.

[A]

They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more, Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS. That is pdsdebt.com hammer pdsdebt.com hammer you suck with money. So you download a budgeting app. You start with the classic one Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey. The personal finance guy, Right. Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials but. But they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block. Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise bills. Play these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start free trial.com link in the description below. C so what's going on today, guys?

[B]

As far as what we have, Just what's going on? Spending. That's the. The spend too much money for sure.

[A]

Okay. Who's Cecil?

[C]

That's my brother.

[A]

Okay, that's good.

[C]

Is my best friend's husband. He's a guy I play video games with every now and then. It's been a while since we played games.

[A]

Okay. Messaging. Not too many weeks ago with him on Snapchat with disappearing messages. Just seeing if, you know, things are living up. Why are you sending all this?

[C]

That was one of my friends from high school. It's been a long time since I talked to him.

[A]

Okay. Actually has been a while. That's fair. Your friends from high school. Geez. I mean, you're sending interesting things to your friends.

[C]

Yes, but.

[A]

Okay, yeah, that was a while ago. Okay, let's not say friends. Come on. I mean you guys are definitely flirting.

[C]

Yeah.

[A]

But on here.

[C]

Yeah, nothing to recume of anything.

[A]

Okay, let me see your phone. Seeing if we're keeping up trends here. Guys, if you're a few months into this. I said I've discovered a lot of things on my phone. Okay. See she. This is why you can't listen to her say friends. Yeah, yeah, that's right. Is that. Is that. Do we send friends that.

[B]

Yeah.

[A]

Like that was a full on booty cheek. You know, it was in fact a

[C]

full on booty cheek.

[A]

Huh?

[C]

Said it was in fact a full on booty cheek.

[A]

Yes, that's what I said. Okay.

[B]

I don't understand why they're. Because why do you still have them in your Snapchat?

[A]

Well, I mean it sounds like. I mean that for what's. It's weird. That's an older chat he saved that. But what concerns me is the guy that she was just talking to a few weeks ago that she plays video games. She was. She says that's my friend who I play video games games with.

[C]

That's watching.

[A]

If that's if. But if that's what we call friends. If we're literally sending full on ass cheeks to our friends, that starts to concern me. You know what I mean?

[B]

I agree it is concerning.

[A]

Just based on our history. Just based on our history. I'm not even fully alleging 100%. I'm just saying based on history. What are we doing? Does that Instagram.

[C]

That's

[A]

Huh.

[C]

We ride dirt bikes together.

[B]

A friend.

[C]

Yeah.

[A]

Okay.

[B]

Wow.

[A]

Lots of memage.

[C]

Yeah.

[A]

To each other. Okay.

[C]

Lots of memes.

[A]

I mean there's just lots of guys you are messaging in here. I'm not seeing anything in a purple.

[C]

Probably maybe a month ago cuz I was at home board and I was like I want to play.

[A]

Yeah.

[C]

I don't even know who you're talking about.

[B]

Okay.

[A]

He was asking when you were coming to.

[C]

Oh, that's my area. That's my friend's husband.

[A]

Okay. Talking to your friend's husband a lot. Okay. Okay. That's okay.

[C]

He sent me one message that's okay.

[A]

It's okay. What's this paired thing?

[C]

Oh, that's our relationship app.

[A]

Why?

[C]

It gets us talking a little bit more about what's going on in our

[A]

lives rather than just, are you guys struggling?

[B]

No, we started doing that when we first started dating.

[C]

Just to have different conversations than your typical getting to know someone conversations.

[B]

Three different questions that it asks you every day, and they're just random and you answer them and both see what the other said.

[A]

Okay, so just based on our history, just based on our history, do we have any nerves? Cheater. Cheater.

[B]

I know that I haven't done anything. I think it's concerning that, you know, calling people friends, but.

[A]

Well, yeah, if we're sending ass cheeks to friends. And then you are talking to that gamer guy a lot. Come on. Right? I mean, no, no.

[C]

I think I messaged him once and asked him if he was working, would

[A]

you play video games with him?

[C]

And I don't really play games anymore.

[A]

What you just said. See, how is the story changing there?

[C]

It's not changing. I don't play anymore. I. I wanted to get back into playing. And I don't play Call of Duty unless I have a friend to play with. My best friend works a 9 to 5 Monday through Friday, so she can't play with me while I'm off is a police officer. So he works the rotating schedule. So I never know when he's gonna work. So I have to ask him if he's free before we can hop on the game. And again, I'm not playing by myself.

[A]

Your phone so far looks clean on Snapchat. I can't see. The last time Tinder was downloaded, but it is not downloaded now. I don't know how to say the last time it was downloaded, but it is not downloaded now.

[B]

And I deleted it after we agreed to both delete. I deleted my full on account.

[A]

Yeah, until you guys went official, right?

[B]

Yeah.

[A]

Okay. Okay. I think we're safe. Are you not nervous? Cause I would be nervous just based on our history, how quickly you guys move, dropping loads and cheating. You both cheat. Okay, not nervous. Okay.

[B]

I think a lot of what makes me feel better about it is I've never had the desire to cheat on Virginia, and that's.

[A]

Well, you've been together for a year. Well, wasn't it like seven years into the your first marriage when you started cheating?

[B]

Yeah, I would say right at the very beginning there was a different time that that happened, but that was when we were still in high school. Like, Right.

[A]

High School. It's different.

[B]

The. And then everybody that, like, I dated or entertained after that.

[A]

I keep saying entertained because I was.

[B]

I wasn't having a relationship, but I'm not sure how they felt about the. What we were doing.

[C]

They probably all thought you were on the road to a relationship.

[A]

Okay, so what are we talking about today then? You all have combined your finances some way too early, in my opinion, especially with just how quick you guys move. So what's going on?

[B]

I'm also trying to find out what. She's got a whole separate account that she puts $600 into every month that I don't get to see.

[A]

Why, if we're combining to get, like, eyes on everything, why is there a separate $600 a month account?

[C]

So, I mean, in the beginning, when we put all of our finances together, I think it was like, maybe four to six months of us being together where we decided to have access to each other's bank accounts. I thought it was a safe idea to go ahead and have a little bit set aside for myself. And then I never changed it.

[B]

I asked her to see it, and she just kind of brushed it off and changed the subject and said she'd rather not.

[A]

Weird.

[C]

I don't. I don't think you've ever actually asked to see it, but he just said he did. I mean, it's just. It's a lot of the charges on that account that I get mad at him for, so.

[A]

Huh.

[C]

Yeah. So, like.

[A]

No, no, no. What the fuck does that even mean?

[C]

Gas station, fast food, stuff like that. That's. That's my. That's my bad, bad account where I just spend bullshit money.

[A]

So.

[B]

Backstory. She was watching the show first, and she was telling me how I was messing up on my finances, and so I started watching too, but then, you know, come to find out she was doing all of the exact same things and just hiding it from me while getting on to me for doing it?

[A]

Well, would it make you feel better or worse that she literally, out of all the statements she sent, did not send us this statement? Why? We got a statement for everything, just

[B]

not says that she couldn't get it,

[A]

but all on screenshots.

[C]

I. It told me specifically not to send screenshots unless it was.

[A]

Unless you could some other statements.

[C]

I. I didn't see something.

[A]

Right.

[C]

I thought it was just if it was like a. What is it like after.

[A]

I mean, that's pretty easy, right?

[B]

Yeah.

[A]

Has this cause drama a little bit,

[B]

but I. I don't know. It's also you know, she's. It's her paycheck going into it, so I get it is.

[A]

But if we agreed to go combine so we could all get eyes on it. If she has to get eyes on you, it's weird that she's hiding something.

[B]

I agree.

[A]

It's also weird that she didn't send a screenshot or something. This is 300 bucks. That's the one you put $300 in.

[C]

That's from today.

[A]

Okay, so she put 300 in today, but it auto.

[C]

Like I have direct deposit. 300.

[A]

So when you Gestapo and Dollar General get $11 of stuff, what are you getting?

[C]

That was dog food and dog toys, but I used cash, and then I spent the rest of my card.

[A]

Okay, well, that also becomes difficult when things are in cash. It's hard to track cash. Kingwood bows.

[B]

What is that?

[C]

I don't know. I did get a coffee the other day.

[A]

Well, it looks like some kind of.

[C]

It was a coffee and a restaurant or something.

[A]

I mean, it's 15 bucks and all.

[B]

$15?

[A]

Oh, it's 15.

[B]

I spent three, four dollars at the gas station.

[C]

Yeah, it was a bowl and a coffee.

[A]

Well, $30 of Panda Express. But you're getting on his ass for a couple dollars at the gas station.

[C]

$30. Panda Express was for me and for him. I brought it home to him.

[B]

Okay, that's still. I'm like, I'll stop at the gas station, spend three, four dollars on a. On an energy drink or maybe four dollars on some taquitos.

[C]

You agreed to go to Panda Express. I ask you if you want food. You say you want Panda Express because you don't want to cook anything. And I'm gonna get home late, so I got Panda Express for both of us to eat.

[B]

I don't know.

[A]

Okay, $102 in marshalls. Old Navy. $57.

[C]

I lost weight, so I have to buy new clothes.

[A]

How much did you lose?

[C]

I think from the beginning, probably 30, 30, 40 pounds. So.

[A]

Okay, that's good. Congratulations.

[C]

Thanks.

[A]

Old Navy.

[C]

Yeah, that's my paycheck.

[A]

So 100 out there. Some Petsmart. I mean, it's.

[B]

I mean, it's. What are you getting at Petsmart?

[A]

Some bullshit.

[C]

I had to buy that big ass dog at kennel.

[B]

That's right.

[A]

There's some bullshit. I mean, 20 bucks a chick fil a. There some bullshit. Some not bullshit. It's a mixture of both. It's a mixture of both.

[C]

Yeah.

[A]

Wings and more. $44, Farmhouse Frozen Yogurt. $22. Farmhouse Frozen Yogurt.

[B]

$7.

[A]

Chuck E. Cheese, $67.

[C]

I had the kids that day.

[A]

Uh huh.

[B]

This is ridiculous.

[A]

That's a lot of bullshit spend.

[C]

I had the kids and I was already in Brian. What was I supposed to do? Take them home?

[A]

No, the thing that concerns me, there's

[B]

a park right down the road.

[C]

So I'm supposed to drive an hour back home, hang out with them at home, just to drive them back the same day. That makes no sense.

[B]

There's a park right by their house too.

[C]

And we went to the park and it was hot. They didn't want to be there anymore.

[B]

There's literally a splash pad.

[C]

I'm aware of that. I tried to get them to play in the splash pad and they didn't want to. They wanted.

[B]

That's why you're the parent and you make a decision.

[A]

The thing that concerns me though is like if in the relationship you're railing on him for spending bullshit money, which is relatively fair, but then you hide your own. That dynamic just becomes kind of. It's a little manipulative. That was a weird way to say that.

[C]

I mean, I don't. I bought him food, I went and hung out with the kids.

[A]

Okay, that was one time. But there's lots of bullshit purchases. We just went over in there.

[B]

You don't have to spend 100 and whatever it was on clothes.

[A]

Okay, none of you should spend money on bullshit. But the thing, well, okay, the clothes thing, she lost weight.

[B]

Well, I mean, you do need clothes, but you don't have to go spend a hundred dollars. It's, it's, you know, it's Marshalls.

[C]

It's literally Marshalls. $100 at Marshalls goes way further than if I just went to the mall and decided I'm gonna buy jeans today. It'd be a hundred bucks for one pair of jeans.

[B]

So I'm saying like that's, I literally

[C]

got so many pairs of shorts. I got some tank tops.

[A]

I think guys, that's not the issue that I'm bringing up. Why go so hard on him for spending money on bullshit? Which again, I think that part with in general is okay. But if you are hiding your money that you are spending bullshit on.

[C]

I understand, I spend money on bullshit. But he is a criticism.

[A]

That's not the criticism. The criticism is why do you get to rail on him for his bullshit spending when you hide yours?

[C]

Because I feel like his is worse.

[A]

Is that true?

[B]

I don't think so. I, I think we're about equivalent.

[C]

The gas station shit just really adds up. Really adds up. He'll be like, well, it was only $3. Yeah, $3 four times a day.

[A]

Oh, I agree that's bad. But why do you get to criticize that if you are hiding your bullshit spending?

[C]

I, I mean, it's not like I'm hiding the responsible one.

[B]

Here she is. Yeah, as far as she's, she's better.

[C]

I keep track of the payments, when they're going to come in, when they're going to go out. So that's, that's my, my little tidbit of responsibility.

[A]

Okay, well, in the pre interview he called himself the responsible one. But

[B]

I would say of lately. But she's definitely been. Been blowing money left and right and I've been trying to do better. Then just today we went and got McDonald's, but what's the dynamic?

[C]

And stopped at the guest.

[A]

What's our communication around finances?

[B]

We talk about it, we sit down and look at it, and we agree on a budget and then neither one of us sticks to it.

[C]

No.

[A]

Why?

[C]

Oh, well, no, the last time that we talked about money, it kind of went more like that. But before we decided to like sit down and attack it 100% together, it was, I refuse to open the bank account because face ID takes too long. So he never knows how much he's spending. Literally will overdraft in his checkings account while he has money sitting over there in his savings account. And it doesn't make sense to me. If you have money, why are you overdrafting in your account? Oh, because my face ID takes too long. It's face id.

[B]

It's not that the face ID takes too long, it's that I drive a lot. And so if I'm trying to drive and check the bank account.

[C]

But that's where face ID literally comes in handy.

[B]

The face id, when it doesn't work, then it goes over and then you got to manually type in the password and so that's aggravating and I don't do it.

[A]

So rather overdraft, if that makes sense.

[C]

Yeah.

[B]

You know, I can't make it make sense, but does happen and I. It is what it is.

[A]

No, that's not. It is what it is.

[C]

That's your lazy white literally never looks at the bank account. We'll never know how much money is

[B]

going in or coming out or when she's looking.

[A]

Well, so that if you can spend it or not.

[C]

Exactly.

[A]

Right.

[C]

See, that was my thing. What was that question with my bullshit spending? I know how much is in the account and I know how much I can afford to spend. He doesn't look, he doesn't know. And then next thing you know, he's negative.

[A]

She did an overdraft. That is true.

[C]

Negative something dollars.

[A]

Why do I hear that you want to give him an allowance or something? Wouldn't that just be further enabling that behavior of him not learning? What is this you wanting to give him an allowance?

[C]

So the conversations that we had were that he's better with cash because he'll keep track of how much cash he has because it's right there in his hand instead of having to open an app and use face id. So the idea was to let him have X amount of money from every paycheck that we get, and we get paid opposite weeks. So it'd be.

[A]

Why do you need her to be mommy? What the is this? Can you not man up, dude? You're older than her.

[C]

And I was also supposed to tell him how much he's allowed to spend each time we get paid.

[A]

Why do you need mommy?

[B]

I don't think that I need a mommy. I just don't want to deal with it.

[A]

That's you needing mommy. Why can't you grow up and be an adult where you have to deal with it? Because you have to deal with it. You need to be a adult.

[B]

I think it just stems a lot from I made really good money for a while and just didn't have to look and knew that it was there.

[A]

Hey, guess what? Things have changed. How long has it been since it changed?

[B]

About a year now.

[A]

Okay, then why do you need Mommy?

[B]

I. I don't think that I do. I think I would just rather. Rather that she did do it so that way I didn't have to.

[A]

Is that how you want your marriage to be?

[C]

No. No.

[A]

Okay, then what the are we doing here, guys? This is why we take time before we go into a marriage, before we move into each other, before we combine finances. You didn't know this? You're learning it now. On the ground, in the moment. Know why they got divorced, dude? I mean, come on.

[C]

I'm trying to get him to be. Be better. And honestly.

[A]

Well, guess what? He just said he doesn't want to and he wants you to control it. So what the do we do with that, huh?

[C]

Give him an allowance?

[A]

No, you're literally just enabling his behavior. You're okay with that because that is you being mommy.

[C]

At least it is a set amount that he can spend. And it's not just, wow, you're okay with being hard.

[A]

You're okay with being mommy. That's pathetic.

[B]

How.

[A]

How are you not embarrassed?

[C]

It's his money too, this time.

[A]

That's embarrassing. How are you not embarrassed? He is a father of children and you have to mother him and you're okay with that for the rest of your life?

[C]

Just in the finance area, because he just doesn't.

[B]

Look, I feel like I take care of most of the rest of everything else. And so what's that like, the taking care of the house and the dogs and all that stuff.

[C]

And, you know, he honestly does do more around the house than with the dogs than I do.

[A]

Dude, dogs are easy. Yeah, but I'm not talking about here.

[B]

I'm not saying that it is a lot.

[A]

I'm just saying this is financial communication. This is gonna determine one of the leading causes for divorce in this country for the rest of your lives. And temporary marriage.

[C]

It's hopefully not temporary that.

[A]

Well, I'm going off of just the trend that.

[B]

And another thing is, is in my previous marriage, it was, you know, she didn't work while we were together because she was taking care of the kids. And so the, the dynamic there. The dynamic There was 100%. I was making the money and she was taking care of the finances, and she handled it. She paid the bills and she just managed the money. So I was very accustomed to that from a previous relationship. And so I still kind of have that expectation. I went straight from that to having money and not looking and just. I had money, so I just swiped it and then I had no money, and so I just wasn't swiping. And then now, you know, I'm back to making my.

[A]

I just want her to take care of me. This is so. It's so weird. I mean, I have in your notes that, well, I mean, you feel like you have to mother him. So, I mean, that's. And that's obviously as clear as day. But that you feel like she doesn't respect your opinion. What does that even mean? And even why should she if she has to give you an alarm? So why the should she respect your opinion? What opinion do you get to have?

[B]

I, I, I think I have good opinions. Honestly.

[A]

I. Oh, there's a guy who won't even look at his own bank account. Tell me, tell me about this, about

[B]

paying down our debt and, you know, trying to. I'm not. That's exactly what I'm telling you, is that we've sat down and talked about this things and we just not stuck to it. That it's not a Matter of that we haven't tried, but we just don't actually try when we discuss it.

[C]

I feel like before I was trying to.

[B]

And that's. I did spend a long time of, like, trying to actually better my credit. Better stuff, and then I just fell off.

[A]

Why?

[B]

Just wanted to sass. It was just wanting to go party. Wanted to have fun. What is this?

[A]

What is this you guys go party thing? You. That's.

[C]

We don't party any party.

[A]

He's bringing up what is due to 28. What are you doing going party?

[B]

Oh, it's not anymore. This was when I was working, like, traveling on the road. That was all I was doing.

[A]

That's so long ago. We're talking about today.

[B]

Oh, yeah, Today. Now I'm just listening to your opinion because I'm still.

[A]

What opinion?

[B]

That we should pay down paying off the debt. Like how we look at that.

[A]

You don't even know the finances of the house. You don't even know. How can you even have an educated opinion?

[B]

Because you know, she went and bought a truck.

[A]

I thought you're the responsible one.

[C]

Okay, so I had a truck already,

[B]

so it's not like we actually needed.

[C]

First of all, it was like four months into us dating, and he was like, oh, you can use my truck whenever. But okay, I bought a truck, but. And I needed a truck to transport the dirt bike off.

[A]

He said, you can use his truck whenever.

[B]

I told her it was a bad idea.

[C]

I was dating him for, like four months. I cannot trust within four months that I'm just gonna use his truck whenever I want and he's gonna have no problem with it. That doesn't make sense.

[B]

Even if not, my advice to her for that was is you have a car that you just finished paying off. Instead of buying a truck, use mine and just put the truck payment that you're willing to make into a savings account. That way you have a down payment if something does happen and we break up and you don't have my truck or something, you know, for any reason like it. And then she doesn't want to do that. That's Stuff like that. And then she doesn't actually listen to the advice that I give you.

[A]

Four months in for what it's worth. So, I mean, but even still, it was probably. It was a stupid choice for sure. Yes, definitely. How much for that ring?

[B]

120.

[A]

Okay, so how do the conversations go then? A financial conversation happens. What's the topic? How does it go in this house?

[B]

Mostly her bitching at me about spending too much at the gas stations and

[A]

what do you do?

[B]

Tell her get me cash and I'll pay attention more.

[A]

So it's actually, it's less of a.

[B]

And I wouldn't call it an allowance. I would say that it's budgeting his bullshit spending.

[A]

Well, I wouldn't even just say that. I think it's his anti you bitching at him fund. I think that's why he wants it more than you mothering him. If you're bitching at him constantly and it's just a miserable whore to be around at home like, well, yeah, he may as well do the thing that's a little less freedom, but at least he doesn't have to listen to his wife. My gamersupps flavor is finally here. It's called Liquid Assets and it tastes like raspberry Apple and Success. Use discount code Caleb to get 10% off your entire order plus free gifts you actually want, drinkware stickers, full on apparel, even some seriously limited edition swag. And one out of every ten tubs has my face printed right on it. And the whole offer stacks up six times. The more you buy, the more you unlock and the better your chance to see my sexy face on your tub. Get 100 servings of delicious zero sugar, less than 1 calorie, liquid assets for less than 40 cents a serving, plus all the freebies until they're gone. Gamers Hubs is fully stocked and shipping worldwide. Right now, all you need to do is head to gamersupps GG Caleb or click the link in the description below. This stuff is a game changer. If you or your child spent years growing up on social media and experience serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan. And Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

[C]

It's extremely frustrating when he has a cooler in his work van. We have snacks at home, we have energy drinks at home. We have drinks at home. And yet he just doesn't take them. He just decides, well, that's fair.

[A]

Actually, I would nag and bitch at you, so I think it's justified.

[C]

Then it's like, take it at the Gas station.

[A]

Take it. Be a man. Take it. You were the problem. She nagged at you.

[B]

Yeah.

[A]

And that's fair.

[B]

You know, I forgot my lunch. It's. I'm very, very forgetful.

[A]

Every day, forever.

[C]

So often.

[B]

Yeah, it's just. It does happen sometimes. It is. I just don't want to eat it. That happens sometimes, too. It's a mix. But the.

[C]

Okay.

[A]

We'll make your energy drinks at work. Here you go. This is Gamer Subs. Shake it up. Put the powder in. It's delicious. It's better than any energy you've had. And here, towards the end of July, comes out the Caleb Hammer flavor. Whether or not I don't think this episode. Well, I don't know if it's coming up or if it's already out. You get the Caleb Hammer Liquid Assets flavor. Gamer subs get your free samples, figure out what flavor you like. Link in the description below. Below, use the discount code Caleb. And then it's 40 cents a serving with my 10% off link. It is delicious, guys. Check out my flavor. It is so good. No more energy drinks, man. Just like, you got to make your coffee at home and you're on a budget. Make your energy drinks at home. What the is wrong with you?

[C]

I even bought a Keurig because I have. I had an espresso machine, which, honestly, the pods. I don't know if you know, but the pods for espresso is expensive.

[A]

Yeah, but it's so cheap when you go to Starbucks to.

[C]

To Facebook Marketplace. Found a keurig for like 10 bucks.

[A]

Got that.

[C]

The pods.

[B]

And she still gets coffee from wherever it is that she goes.

[C]

No, my coffee is free. I don't ever pay for my own coffee. Well, I lied. I did pay for coffee the other day.

[A]

Didn't we just see it? Yeah, we saw it. Literally.

[C]

There's one coffee.

[B]

No, but with a regular truck, there's a. There's some kind of.

[C]

I needed a drink.

[B]

Some kind of cup from somewhere because

[C]

somebody else at work buys me a coffee.

[A]

Yeah. And if. If that. Then it's fine if someone else at work buys you a coffee. Huh.

[B]

Said more friends.

[C]

Yes. All of my. My co workers.

[A]

I don't know. Yeah, I mean, you both are cheaters. Like, I would have a hard time. Trust him. I would. That's fair. Come on. Couple years into this thing, you guys are fighting about money. Yeah. Someone's gonna go stick it into your.

[C]

You can literally look and see how long ago it was that I've messaged him. You can also Go look at his Facebook account right now and see that he's engaged as well.

[A]

That doesn't stop.

[B]

It's weird that you know that and that y' all still, you know, or

[C]

on Snapchat because, I mean, we were friends. Don't get me wrong. There was like a weird little period where we were both flirting with each other and nothing.

[A]

You played games with.

[C]

No, not.

[A]

That's who you're talking to though. And you call him a friend.

[C]

Oh, no, nothing.

[A]

We know what you do with your friends.

[C]

No, I've literally said I've never met in person. We're from the same.

[A]

It doesn't matter. You're first cheating with sending nudes.

[C]

I'm telling you.

[A]

Would you be insulted if she sent nudes to another guy?

[B]

Very.

[A]

Okay, see, then you don't have to meet him then.

[C]

I. I mean, I don't understand. I don't.

[A]

I hope not. You guys don't have a good track record.

[C]

I don't.

[A]

You know, yellow flags in yours. No red flags or anything in yours. But again, I'm not saying you are now, but just based on what happened last time, where you guys are, you know, in like weird marriages, things are going hard. You guys don't fix your finances. You guys continue to argue, push blame on each other. Two years into this, leading cuts for divorce, finances, you guys are arguing all the time. Someone's gonna get it stuck in or stick something in somewhere. I mean, this is your guys natural reaction is to cheat. That's what both of you did. It's like your natural reactions when things are not easy, you lash out by.

[B]

I think that I feel a little bit like I've grown out of that. Maybe.

[A]

But I doubt it. I mean, you're a guy with a penis.

[B]

Yeah.

[A]

You're paying child support and you're a woman with a pussy. Like you want to get it filled. That's what happens every time. Like, this is. This is not. That's your guys's past. What do we think our household financial score is today? 0 out of 10 or 0 to 10. 0 being the absolute worst, 10 being the best.

[C]

Maybe a one, maybe a one and a half.

[B]

I'll be 0.5.

[A]

Guys, we have revamped the Hammer financial score. If you got it before, see the more accurate version now, caleb.com. it is free. Just takes a few minutes to take. And you can see where you stand in the world of money where you're doing poorly, what you need to do to improve your finances and what you're already doing. Great. And if you don't want to be like a guest who ends up on this show, guys, make sure to download the Dollar Wise budgeting app. Take the free trial, and if you like it, most people take the annual version because they save a lot of money. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you. And the digital version of our cookbook. Check that out. Kamer.com$wise.com all those links below. All right, guys. See, I have a checking account first. That's rare. That means something's kind of. What am I looking at here? Capital One.

[B]

Probably both of us.

[A]

Is this the combined?

[C]

That might be the combined one. I'm assuming it's the combined one.

[A]

I have two check ins and two savings on this capital one. Okay, okay. See, what the are we doing here? Why are we purchasing on Amazon if the account is negative? Why are we purchasing from the corner market? $5.41. What is that? Energy drink. That looks like an energy drink. If the account is negative. Dude, the account is negative. Huh?

[B]

I wasn't looking. I had no clue.

[A]

That's pathetic. Grow up. Stadium concessions. We're purchasing $31.50. Who did it?

[B]

Probably both of us.

[A]

Well, hey, you're the looker. You're the responsible one. You were negative.

[C]

Yeah.

[A]

Negative.

[C]

Yep.

[A]

Why were you purchasing $32 from concessions if you were negative? Responsible 1. Adult mother.

[C]

We were at a football game and it was really.

[A]

Wow, that changes was really hot.

[C]

You can't bring outside drinks into a football game. Wow. So we should purchase while we're negative. I'm not saying we should have purchased when we were negative.

[A]

I thought you were the responsible one. I thought you were Mother. Mother.

[C]

If I need a drink and it's hot outside in Texas, I'm going to get a drink.

[A]

You guys got more than a drink. It was $32.

[B]

Probably some snacks in there. Probably some cotton candy or something.

[A]

That's interesting. That's interesting. How it slipped in for our hydration.

[C]

The kids were with us that day too. Huh?

[B]

I don't remember.

[A]

Well, who purchased on Amazon for $51.46?

[B]

Not me.

[A]

Okay. Why'd you do that when you're a negative mother? Responsible one Mother.

[C]

Huh?

[A]

Thought you were the one that looks at your account.

[C]

No, no, no, no.

[A]

Huh?

[C]

This is connected to his card. So that was not me. This account is connected to his card. His card is not Amazon.

[B]

That's all four of them.

[A]

Huh? What are we talking about? Okay, we stopped and got an energy drink. That's you. While negative because you won't look because you're pathetic. Travel center, $49.40.

[B]

Probably gas.

[A]

Was it? Huh?

[B]

Probably gas.

[A]

Okay. Amazon Prime, $8.11. Well, we're negative already.

[B]

That was probably the subscription. That's The Price Tavern.

[A]

$44.17. Something Tavern wasn't.

[C]

I don't know what that is.

[A]

Oh, great. Definitely the responsible one. $44. Well, negative. That's what pushed it. Negative, actually. What is wrong with you Or. No, that was the end of the negative. Crazy. The payroll came in and it saved you. If it wasn't for that, you would have still been negative. But we're still doing.

[C]

That's what he always.

[A]

We were gaining. Dude, what are you talking about? You did concessions. You did the Tavern. I know you did the Amazon spending. Sorry. The Amazon spending was 97.41. Like, what the is wrong with you? That's. While you were already negative.

[C]

I'm just saying he lets it go negative and his.

[A]

You.

[C]

His thought process.

[A]

Well, it was negative. How can you possibly push on his

[C]

card what you just did there?

[A]

Stadium and Tavern.

[C]

That's not me.

[A]

Amazon. He says he doesn't purchase on Amazon.

[B]

I don't.

[C]

Yeah, he does.

[A]

Show me your Amazon then.

[C]

But his. His thought process is I'd rather overdrive my bank account because there's no fees rather than spend on a. A credit card which end all be all. You don't have the money. Don't spend the money.

[B]

In my defense.

[A]

In your defense, it is.

[B]

There is no. No overdraft fees or anything like that. And so that's the main reason that I don't care.

[A]

No, but you likely have a minimum balance fee, so this isn't possible. He's only had one purchase and It's. It was 1998. So these purchases were you.

[C]

Maybe that was a. A bookshelf or something. Would you buy a show?

[A]

He has some work stuff in his

[C]

cart that's not working.

[A]

So pull up your Amazon.

[C]

That's not a 3D printer.

[A]

Oh, okay. Don't purchase that stuff, you freak.

[B]

I. I got the 3D printer for free.

[A]

It was you.

[B]

Yeah.

[A]

See you.

[C]

Not for that amount of money.

[A]

Yes. No one. Okay. There was no other purchases. He could have done that.

[C]

Did that. That's a. What is that? Coat hangers and dog collars.

[A]

Shot shock collar.

[C]

We don't shock the dogs. They get beeped. We have six acres.

[A]

I like the beef is good.

[C]

And they just get beat.

[A]

Make sure you turn the shock down to Literally, I think it's one's the lowest setting, so that if you accidentally do it because one. I felt one. You can't even feel it.

[C]

Yeah, no, it's a very, very different. And they have very good tires.

[A]

But you have 11 things in your cart.

[C]

Oh, yeah, I have a lot in my car right now.

[A]

I'm really bad about that farmhouse kitchen. That's so shit. Batteries. That's okay. You don't need this.

[C]

We almost ordered Spongebob yesterday.

[A]

You don't need that Spongebob shirt. You don't need that SpongeBob cup. You don't need that SpongeBob shirt. That Spongebob shirt. The Spongebob violin. You don't need that.

[C]

The violin will be queen set.

[A]

You don't need that queen set. You. You. Nothing's funny. You guys are literally, like, on bankruptcy. Your bankruptcy will be hilarious. The entire Internet will laugh at you. Your divorce will be hilarious. Your third, your second.

[C]

I'm just saying the violin would have been funny. And even in those situations.

[A]

Why is that even funny? What are you talking about? Shut the F up. Shut the f up. Shut up. So we got some energy drink cash app out. Crickets. $37 crickets. I don't even know what that is.

[B]

Oh, that's a restaurant.

[A]

Why do you guys go out so much? This is crazy. You got energy drink, Energy drink, energy drink, energy drink, fatty smoke shop, vapes.

[B]

Who? Both of us.

[C]

Both of us.

[A]

What is wrong with you guys? It's always the hicks that can't control their spending just vaping their lungs away. Why?

[C]

Why?

[A]

Why do you guys do this?

[B]

Addiction. Yeah.

[C]

Yeah.

[A]

When did you start?

[B]

I started vaping fairly recent. Not recent, but, like, within the last few years. I started. Started smoking when I was 12, and then I quit. From the smoking cigarettes to the vaping.

[C]

You were dipping sometime in between there, too.

[B]

Yeah, well, I was dipping at the same time I was doing Waco.

[C]

Ew. Uh, ew to the dipping. Ew.

[A]

For all of it. You're barely better.

[C]

At least mine. It tastes like blue raspberry.

[A]

Yeah, you're killing your lungs.

[C]

Ice.

[A]

Shut the up. Dude, you look 40. Look what you're doing to yourselves.

[C]

You know what? At least I'm having fun.

[A]

Yeah, and you'll die before you're actually 40. Okay, and you.

[C]

How long? How long? I probably started when I was 20.

[A]

Why'd you even start at 20? You weren't at 12 with him.

[C]

A funny haha joke.

[A]

Oh, just like the violin.

[B]

It's hilarious.

[C]

Let me get addicted this without coughing my lungs out like you did. And then next thing I know, I'm out there buying my own vapes.

[A]

You learned to dance like that sarcastically? Yeah, I guess so. What?

[C]

Pretty. Pretty.

[A]

Yes, I was gonna say, that's exactly what you are. We don't need to do 30 for $38 on bath and body works or $42 on the candle box or earthbound for $40.

[C]

Oof.

[A]

We can't afford life, guys. What the are we doing? What the are we doing, Zelling? Out a lot of money. Travel center. But that looks like nice gas that time.

[B]

900 for Zelda. And that's just rent.

[A]

It was 292.

[B]

Oh, then that was utilities.

[A]

Zell. Who are you, Zelling?

[B]

My dad. I rent from my dad, and the utilities are in his name, so I send the dad.

[A]

Why? What's this? What's your rental situation?

[B]

It's his property.

[A]

On his property. Okay, well, like a mobile home?

[B]

Yeah.

[A]

Oh, you guys are just so hicked to the bone. You own the mobile home?

[C]

Single, wide.

[A]

Do you own the mobile home, though?

[B]

He. It's in his name, man.

[A]

You don't have anything we can save going for you? Does he live on the property?

[B]

No.

[A]

Okay, that's good.

[B]

It's a.

[A]

It's his property. Privacy, right?

[C]

Yeah, No, I still don't have privacy because it's his land. It's his house. It'll just show up whenever. I'll just show up to the house.

[A]

How often is he showing up?

[B]

His. Not like he comes in the house or anything like that. He just shows that he has cows that he puts on the property.

[A]

What?

[B]

He comes up. We live on six acres, and so we live a little bit outside of town. And so.

[A]

Well, I would assume cows.

[B]

And so he just. He puts a few of them out there.

[A]

How do you like it? Because if we're. If we're making goals and stuff. Yeah. In the middle of nowhere. Cows. Dad always showing up. No, no, she's showing up because it is. I mean, like, I love my parents. Like, I get it. But, like, if they're just, like, endlessly showing up, it's like, what are we doing? How frequently? How frequently?

[C]

Endlessly showing up frequently. But, I mean, maybe once every couple of weeks, and they'll just come and do random shit in the yard. We came home from a dirt bike proper fence in the yard that we had discussed.

[A]

Why do you guys live on his property then, if you hate it?

[B]

I don't hate it.

[A]

Well, she does. Your wife about.

[B]

Because we pay Significantly less in rent than where we would in, you know, somewhere else. And plus, at the end of the day it's. I already know that when. When he passes on that that's getting left to me. Like the property and stuff like that.

[A]

Doesn't mean you have to live on it now. I mean, how far are you guys away from work?

[B]

I just walk to my work van every day.

[C]

He travels for his job.

[A]

So what about you? Sounds like you're far from town.

[C]

Yeah, no, I'm driving an hour and 20 minutes.

[A]

She doesn't like living there because she's far from everything. She's an hour and 20 from work. Oh, my gas bill and maintenance on car and the dad and cows always show up and she doesn't even want that. Why are you forcing her to live there? She's your wife about to be.

[B]

I'm not forcing her to live there.

[C]

I can't agree that it is cheaper. And I can appreciate the fact that we have what we have for what

[A]

she spent on gas a month.

[C]

A lot. And that's what I was.

[A]

How much? How much?

[C]

I want to say probably 600 bucks.

[A]

Okay, see, imagine if half of that went to rent combined with what you're giving your dad live in civilization.

[C]

But he's convinced that if we move off of this land and out of this house. So he lived there previously, then he moved in with me. He's convinced if we move out of that again that his family will disown him and he won't get the land anymore.

[A]

It's your dad's property. Why would he do that?

[B]

Because I know that he doesn't want to sell it and so. But it would put him where, if he was having to make the payments, where he would have to sell it. The whole reason that he got put there was to help me out.

[A]

Why the does he have it if he can't pay for it? He's doing cattle on there. He's not making money.

[B]

The property is the house. The.

[A]

Oh, the payment on the owns the property.

[B]

We've had the property. Well, the family's property is paid off.

[A]

Okay.

[B]

Yeah.

[A]

And well then yeah, he can get rid of the single house. Who cares? Well, how would you guys want to live in when you move there anyway?

[B]

Who would is depreciating asset? So he can't sell it right now without going upside down, and that's the issue.

[A]

That's fine. Cover the difference. How much would the difference be?

[B]

I. I haven't looked into it.

[C]

He refuses to look into it.

[B]

It's not that I've asked them to about it, but they just every time they get real back office actually ask them about it. I've asked like is there ways that we can go about getting out of here?

[A]

I'm going to call them in the post show and we're gonna deal with this so you're future wife can actually have a little bit of breathing room. My goodness. This is insane. Yeah, I'm sure it'll be contentious, but I'm good at contentious. I just yell energy drink. Energy drink bullshit McDonald's. We can't say we can't afford shit if we're just doing this every like literally once or twice a day. This is insane. Energy or cash up $35 energy drink. Energy drink. She.

[B]

Oh.

[A]

Oh, good. Why not a whole other page of Dairy Queen Pandora jewelry.

[C]

That was my ring.

[A]

Geez. You got the ring like six months in, seven months in.

[B]

No, that would have been. Would you guys start dating March of 25.

[A]

Okay, so okay. Almost a full year. Supplements. Supplements. Cash app. 30 bucks. Energy drink Maybe Bullshit. Maybe not. Hard to tell. Energy drink game pass. 32 bucks. Energy drink. Energy drink. Cash app out. Cash app out. Jewelry and more.

[C]

It's a lot of cash app.

[A]

It is. Where's it all going? It's like 30 bucks. 30 bucks. 30 bucks. 30 Bucks. Who's it going to?

[B]

It's probably loan repayments. Cash.

[A]

Oh my goodness. I'm going to need to see your cash app statement. You have access to his cash app statement?

[C]

No.

[A]

Oh, so we don't have full access to. To being able to see things.

[B]

She's more.

[A]

She has her borrowing money from one at a time. What?

[B]

That's what I'm talking about is probably the $30.

[C]

I found out he was borrowing money for from cash app. I had no clue whenever a charge for like what was it? Like 300 bucks hit our account and I was like, who the cash app in 300 bucks to like that. Are you doing music? Oh, I owe cash up money. So they just take whatever they want to take. Whatever they. I don't know. Dumb.

[B]

I had signed up for like a lump sum repayment. Instead of drawing it out on that

[C]

specific one, we had to talk about that one. Okay.

[A]

Lots of cash app. Cash app. Bun slot food.

[C]

That's a burger place.

[A]

Parking. It continues. This is crazy that it continues. What are we doing? Oh, because there's two checking accounts. So this is the other joint checking account, I guess. Okay. Energy drink. Microsoft game pass again. So we have two different game passes that's great. Pizza Hut vending machine. You're gaining like an energy drink again. 40 cents, dude. 40 cents. Raspberry cherries mine. Raspberry apples, mine. Best flavor ever. We'll send you one when it comes out. It's so good. We compared it to like every flavor we've tweaking with all these combinations. It is insane.

[B]

Yeah, that does actually sound really good.

[A]

It's insane. It's actually insane. Bullshit. Subway, Amazon. There we go. I'm sure there is like monthly maintenance bullshit because you don't have enough in there even without the overdrive. Oh, he's been big on using Dave. He's been using Dave. You know that.

[B]

It just. It wasn't something that was a continued thing and so it never really came up. It wasn't like I was hiding it, but I just. I never, never thought to tell her.

[C]

Had no clue what it was.

[A]

Now I know. Yes, a lot goes to child support. That's fair. But even still, you're just like, why spend so much money on if you're in like that pay advanced cycle, like you can get out of it in a month with just getting half your energy drinks.

[B]

That's why we're here. That's.

[A]

No, you just get half your energy drinks. What am I good? What the. What do I do with that? That's why you're here.

[C]

Three a day.

[A]

Congratulations. That's why you're here. Don't get half energy drinks. You get. Congratulations. That's why you're here. Well, you figured it out.

[B]

No, I'm not. Not that specifically, but obviously we just, you know, we're impulsively spending all of our money and that's why we're here.

[A]

Don't impulsively spend all your money. Congratulations.

[B]

A lot of that is I drive a lot. Like, I drive to Dallas every day. Good.

[A]

Buy bulk energy drinks. Good. Have gamer subs. Make your own energy drink.

[C]

He has a cooler in his van.

[A]

I don't even need that. Dude, you make it. It's so cheap.

[C]

We also have like 50 shaker bottles at home.

[A]

Like, what are we doing then? Oh, what is this? Oh, okay. One of the angry things that you were talking about, why he's just never going to escape the cycle, is that you're. Okay, you're upset of him blowing the money from his previous cycle. So it's always in it. Cuz you got $10,000 from your employer or something, but then you just blew it. Like, what the. Why? Why'd you get 10,000 hours?

[B]

So the. I was Working for a company and they, they got sued in a class action lawsuit and I, I joined on

[A]

it and joined the Morgan and Morgan one. By the way. I think you literally get free money. Like the description wasn't even going to plug that. But like, like almost like everyone's getting free money from that one.

[B]

But yeah, no, they, so they, they paid out for that 10,000 you got.

[A]

Jeez. How'd you, how'd you. 10,000. You already make good money, dude. Where to go?

[B]

Mostly attorneys. That was. I was making payments the attorneys. And that's why I had no money when we first met. But then I used most of that to pay all that off.

[A]

Yeah, I'd be concerned too.

[B]

I did definitely blow some money

[A]

upgrading your truck tires and upgrading your radio. Yeah, yeah, radio. I knew how much you upgrades a radio.

[B]

Well, it took it. It wouldn't turn on anymore. And so I just got.

[A]

It's a radio. Plug your phone in.

[B]

It didn't do that. That's what I'm saying. I got something that would do that.

[A]

How much did that cost?

[B]

It was like $115 off Amazon.

[C]

I knew he was getting that amount of money and we had discussed saving that amount of money.

[A]

I didn't know you guys were together.

[C]

Yes, I discussed saving X amount of money. I don't remember exactly how much it was that I wanted to set aside. And he was dead set on buying a dirt bike. With a dead set on buying a dirt bike. I got him to, to not buy a dirt bike with it. God bless you.

[A]

Put it towards like your future wedding. Ladies and gentlemen, I got something new to help you that we have personally built right here on caleb hammer.com we have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Caleb Hammer dot com. We also have auto insurance. Now you can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier. But only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck but if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance. To see if you can save a shift ton of money across the board, go to caleb hammer.com or the Caleb Hammer Financial Resources part of the pin comment or description below and save a ton of money. 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. And honestly, it literally tastes better. 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 Sauce. Literally.

[C]

The cherry flavor is insane.

[A]

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, how are you gonna spend on the wedding next year? Well, you guys are like this.

[C]

Hopefully not a lot. My mom is really bulldogging her way in. Love her to death, but okay.

[A]

So your dad, her mom.

[C]

I was convinced that we would just go to an Airbnb. I want to do it in North Carolina where my family is.

[A]

Okay, sure.

[C]

And plus, I love the mountains. Texas sucks landscape here, awful. So I want to go to Texas.

[A]

Well, where in Texas?

[C]

The only place I've been is like, Central Texas.

[A]

Okay, well, then you're in one place. I was going to say, because you got tall pines on the east, you got swamps in the east, you got rolling planes in the panhandle, you got the hill country here, you got big mountains and desert in the west, you got national parks in the west, we have one of the most diverse states in terms of landscapes. You can get everything in here, so I wouldn't just say that. But you can still get married in North Carolina. Yeah, you're just talking about the literal Smoky Mountains, which, I mean, again, you can find diverse topography here, but either way, for the family, I do get that.

[C]

Yeah.

[A]

So, yeah, if you stay in Waco Surprise, you're not gonna see very much.

[C]

I've been a little outside and I mean, it's still nothing compared to North Carolina landscapes. But I digress.

[A]

Anyways, it's not usually the place in the country. Everyone's okay. Sure, go on. I've driven through there so many times.

[C]

I mean, you're probably just driving through the city.

[A]

What? No, I've driven through the. Oh, why did I call them Smoky Mountains?

[C]

No, the Appalachian.

[A]

Appalachian? Yeah. I've driven through them multiple times. Well, how much are you gonna spend for that?

[C]

That's what I'm getting to. I only wanted to get an Airbnb for a week for me and him and just go get married in the backyard because that's cheap. My mom, however, called me and found this venue. Don't get me wrong, it's cheap. It's 2500 bucks for three days, two nights. I told her no because I don't want to spend any extra money. I just want to go to an Airbnb, get married in the backyard, whatever, whatever. And then she called Tony over here, and Tony said, oh, yeah, that sounds great. So what did my mom do? Put the deposit down. It was like, okay, you owe this much by this. This amount and this much by this amount.

[B]

I didn't agree to it. Knowing that she had said no. She called and asked me what I thought about it, and I took that as we were having.

[A]

You had already said no specifically.

[B]

I said no, and so I thought it was just discussion about it.

[C]

Well, now there's already a contract signed, and they did agree to pay for half of it.

[B]

Almost half.

[A]

Okay, half of the 25. Yeah, it's not that much. It's fine.

[B]

Just do it. And at that point, we would almost spent that much on an Airbnb.

[A]

I mean, it's your wedding. If you don't want to do that specifically, then definitely don't do it, but.

[B]

And they're gonna take care of a lot of the other stuff that we would have had on top of it,

[C]

like the chairs, the receptions at the

[B]

same time, like, having like an actual.

[A]

Like, how much is it going to cost in the end?

[B]

No, that's all included with. But we would have to get that on top of the Airbnb.

[C]

That's still additional because I still want to keep.

[B]

And so that's.

[A]

Why would you want it if you could pay for it? Yeah, you can afford it in a year. We can afford it right now.

[C]

We can't.

[A]

No, if you're doing it right now. But it's whatever. I mean, literally, you spent like, I. You spent more than that on synchrony this last month. So it's like, what are we talking about? The conversation. You don't even. Yeah, but you spent more than that, more than your half on just that. So, like, if we're talking about affordability, like, what. What the are we doing here? You literally just got 2,379.

[C]

That's for what So I went and got my glasses and I used my carecredit for it and then I went to the dentist and they gave me this treatment plan and I told them I had carecredit. I thought they were just putting it on the account to like charge as I went in and did stuff. But no, they charged the whole amount that I had on my care credit for my carec. So now I'm in the process of trying to get refunded but.

[A]

Well you better cause the deferred interest is accruing and one of them is going to hit in just a few months. Yeah, that's going to be hundreds added. That's going to you.

[C]

Yeah.

[B]

Okay.

[A]

But even more critically credit one which is basically the worst you can get. What the is going on here? Who is this?

[B]

That's mine.

[A]

Why? What's happening?

[B]

It was to rebuild credit and I didn't know that it was one. It was that bad. It was the only thing I could get approved for.

[A]

No. So probably don't take it. If it's the only thing you can get approved for. You'll know it's predatory.

[C]

He didn't know that until he started

[A]

working on it's horrible. 28.74 interest rate. Now this thing about the wedding you said earlier, you're talking about pushing it back.

[B]

No, just not like getting married and like Russianly. Yeah.

[A]

What?

[C]

I thought that I missed something in the conversation that he was talking about just not getting married and I was. It was a very confusing second.

[A]

Now why are you all in all this debt? Dude like credit builder but it's all maxed out. Why are you in the debt? You didn't purchase on it? Because there's not really much wiggle room to purchase. 569.92 owed on it with a 30 minimum payment. Why do you owe

[B]

only making minimum payments and still charging on it? I. I honestly. Let me connect.

[A]

Why? Why is the balance that high? Why'd you get into it is what I'm asking. Game

[C]

pray more spending.

[B]

What were we buying? I don't remember.

[C]

Can find.

[B]

I think I was just surviving off

[A]

fix anything if you know nothing?

[B]

I'm pretty sure I was.

[C]

We were surviving off of my card when we moved. That was my card.

[B]

No, that was before cuz there's no. No recent charges. It's just maxed out cuz the limit should only be 500.

[A]

I don't know.

[C]

That's not my card. That's on my card. I don't have access to that card. I don't know how you spend your money, so.

[B]

But yeah, I. I also. My. My second wife was. She had a very bougie lifestyle, you know, and so I was paying for that, and that ran up a lot of the. The tab.

[A]

And then you're paying for on credit one just everything.

[B]

Because I had.

[A]

You know how bougie was this lifestyle. What? You had no input on the lifestyle?

[B]

No, that was just a lot of like, very differences in our lifestyle. She was very bougie. Like, she.

[A]

Why she had a 900 say no

[B]

and not wanting to listen to her.

[A]

Oh, it seems to be a common thread in your relationship. So you have no backbone. You're a.

[B]

No, I wouldn't say that.

[A]

I would.

[B]

I would say that some things aren't worth arguing about.

[A]

And it seems like everything, including you going into debt for your credit game

[C]

ruined is definitely something to worry about.

[A]

What's your credit score?

[B]

Terrible.

[A]

What's your credit score?

[B]

Oh, five something.

[A]

Oh, my God. Quicksilver. Why are we purchasing on a card that we cannot fully pay off and only put minimums to that is accruing interest? What are we doing? Who is this?

[B]

That's hers.

[A]

Why? You're the responsible one. Why are you purchasing on a card that is accruing interest that you cannot fully pay off?

[C]

I didn't even know it was accruing interest at that point, honestly. What do you mean? I haven't had it.

[A]

$78.48 minimum monthly payment. 25. Then you should definitely know. You should be tracking it even closely.

[C]

When we moved out of my friend's house, we. The whole reason we moved out is because.

[B]

Don't care.

[A]

Don't care. Still don't care.

[B]

I don't care.

[A]

I don't. What does this have to do with you? I've seen Wilder's interest occurring on this car.

[C]

We had to get furniture. I'm assuming that's probably what that was.

[A]

SEO.

[B]

That's gas station.

[C]

What?

[A]

No. You're just putting gas on a car that is a. Creating interest that you cannot pay off. What the are you talking about? What rambling cope are you doing?

[C]

Maybe that was. Maybe I didn't have enough money in my account, so I just swiped my card for gas. But I promise you I paid you.

[A]

I have enough money in your account. Responsible one mother.

[C]

Probably because I was spending. Awesome.

[A]

How are you, Responsible one mother?

[C]

I wouldn't say that I'm super responsible, but I'm more responsible than he is. At least I look at the damn account and I know I don't have any.

[A]

And this is going to go down in a flaming mess.

[B]

That's. I. I really did think that she was. She would tell me that, you know, she's looking at the bank every day and this is the. The arguments that how are you spending all this money? But, you know, I'm checking the bank and I'm trying. She was getting on to me for it. But, you know, she's also spending all the. The money and the.

[A]

Okay, well, I have a capital one card now. There's no balance on it, so I'm not going to write it down. But what concerns me is there's been a late fee this year. Even though you've paid it off. Why are we having late fees?

[B]

Is that the. Is it the Quicksilver Platinum?

[A]

Platinum secured capital one?

[B]

That's me.

[C]

That's you.

[A]

Why is it late? Why are you not on time? Well, are we shocked with your history. No, but what the is going on?

[C]

Because you didn't look at it, probably.

[A]

Why is auto pay not on then if you know, you suck.

[B]

That. She. She said all that stuff up for me.

[A]

She had to set it up for you. How the is he gonna deal with.

[B]

Why do I need to.

[C]

I don't know how he did it before I came in, honestly.

[A]

You're a father, dude.

[B]

Yeah.

[A]

You need your literal fiance to set up auto place for you or else it won't be done. I just don't want to understand how pathetic this is. As a father, as a man, as a partner. What is wrong with you?

[B]

I don't think there's anything wrong with delegating. And that's delegating.

[A]

It's your card.

[B]

Yeah. And I could delegate the finances to her. And I thought that this was her.

[C]

No.

[A]

Okay. She doesn't want to. And she's your partner.

[B]

No.

[A]

What are we doing?

[B]

But that's what the discussion is.

[C]

The thing I stress the most about is finances. And the fact that you just want to throw all your finances on top of everything else onto me. Sucks. That shit is dumb. That. You know, that is the biggest thing that stresses me out. The biggest thing that'll get me in a bad mood quick. And the fact that you refuse to care for yourself is awful. It's extremely irritating, and I can't stand it.

[B]

But you're already checking every day. Why can't you just tell me?

[C]

Because why the do I have to tell you? You're a grown up. You're a grown man. Literally, you're a grown man. All it is is open the App face id. The same face ID that you use to unlock your phone that takes less than five seconds to look.

[B]

The issue is not the face id. The issue is when it does not work. I'm not gonna sit there and type out my face.

[C]

So then why the don't you even try?

[B]

I'm going to try once.

[C]

If it doesn't work, guess what? Try again in a couple hours or some shit. I don't know. It sounds like a bunch of bullshit excuses and it's dumb. And you're not driving 24 hours a day. When you stop at the gas station to buy your little snacky snack, your little drinky drink, guess what? You have the time right there. You're stopped. Boop.

[B]

Well, whenever you look, just say, hey, we don't have the money for you to spend any money today.

[C]

I literally have.

[A]

I've told you.

[C]

We don't have the money to spend. And guess what? There's still energy drinks being purchased.

[B]

It's fee free. Overdraft.

[C]

I don't give a about fee. Free overdraft. Maybe we should just turn that shit off on your card because mine does not allow me to overdraft. You just overdraft because. Oh it. When the paycheck hits, it won't be negative anymore. That's dumb. That mindset is dumb.

[B]

Yeah.

[A]

Think you are a child. Let me just also say, do you pay your phone bill? No, of course not. At 20. Great. Who pays it?

[B]

I'm on my parents plan and it's more so I just for they. They don't ever ask for it and I don't ever remember to just.

[A]

Of course you wouldn't. You have no responsibility to save your life you live with on your dad's property.

[C]

You.

[A]

You've never done anything. You've never accomplished anything other than coming instead of a woman.

[C]

Wish it was a woman, huh? At least it was a woman.

[B]

Why?

[C]

Because his dad definitely would have disowned him if it weren't a woman.

[A]

Okay, he's homophobic.

[B]

My dad's just a very staunch Baptist conservative.

[A]

Like we would be homophobic.

[B]

Yeah.

[C]

Yeah.

[B]

I wouldn't say he goes out of his way to do anything.

[A]

If he came inside men, he just wouldn't have kids. We wouldn't know. He's probably come inside men. Who knows?

[B]

No.

[A]

Are you homophobic?

[B]

No. I don't have any problem with people that are gay. I'm just not into that,

[A]

Okay? Oh, collections. Who has collections? You're the bad collection. You have a right credit guy.

[B]

That's What?

[A]

This is $1,417. I bet you're on your parents phone plan.

[B]

That's a lot of why I'm on their phone plan.

[A]

Oh, my gosh. You really can't do anything. This is pathetic.

[B]

That was after the first divorce. We had a phone plan together. I thought that I canceled it, but I guess I didn't. Or maybe. I don't know. I really don't. But they kept billing me, and I wasn't using them anymore. And so then I just. It showed up and I just haven't

[C]

paid him, so he just decides to ignore it.

[B]

It'll fall off after seven years.

[A]

You know what else they can do, though? Sue you. Yeah, it's happened on the show. It's happened in many of the Caleb Hammer shows.

[C]

That's a lot of money for Verizon.

[A]

It's decent enough to sue. You know what they do? They sue you. You like going to court. You go to court, you spend on legal fees. You know what they do? They get a court order. That court order garnishes your wages. Your wages are already taken, thanks to child support. Why not have even more taken from you? That's not uncommon.

[B]

They can wait in line.

[A]

What do you mean?

[B]

They. They can't legally take more than 50% of my wages. And so if they get to that

[A]

point, then who can't?

[B]

Anybody that you can't have. That's the law. They can't withhold more than 50% of what your. Your wages are.

[A]

And so, okay, maybe child support, maybe default on student loans. This might be a court order on extra. I don't know. Yeah, but even still. Even if it is 50. 50's insane. Literally, she. She's being forced to live somewhere she really doesn't want to, and you're like, yeah, let's just take even more of my money. Like, that's pathetic. You're not a partner. You love Verizon. Go that much, Go to collections. Dude, I don't even know.

[B]

Well, I didn't know about it until it was in collections.

[A]

You were crying about your finances, and your mom said that she was gonna take over. Your mom's gonna take over Yalls finances.

[C]

No, no, no. That was. I was overreacting. I got a speeding ticket a little while ago, and I was. I don't know why I panicked so much, but I was like, I don't have enough money to pay for this. I literally just switched our car insurance so that it would be cheaper. And because I had a little meltdown, my mom was like, don't worry, I got the phone bill.

[A]

Oh, you're on your mom's phone bill too? The adult, the responsible one. The.

[C]

That's because my phone wasn't paid off whenever I got divorced and I didn't want to pay for it.

[A]

This must be a car loan. What is this? $30,711. That's my loan.

[C]

That's my truck.

[A]

For 10. When you didn't even need a truck. When you got a truck. When he had a truck, when he said you could use the truck, you got a 10 loan on a truck.

[B]

It's 10.

[C]

It's not 10. It's 10.8.

[A]

That's a percentage paid off. I don't know. 620. That's still not the best. And it's not the worst either, though. But what do you think it's worth that you owe $30,000. 711 on.

[B]

If I had to guess, 25 maybe.

[C]

Yeah, maybe it'd be right there. A payoff or just about five grand you're underwater on.

[A]

And not dramatically, but you know what I would potentially do. This gets you out of the situation quicker. Sell it, borrow 15. 15. 5 pays it off. 10 gets a car, especially truck. You don't need to be driving a truck an hour and 20 minutes to and from work. What the.

[C]

Have an SUV too, but the transmission is. Is pretty awful and it's a little scary to drive.

[A]

Okay, well, I would actually then especially I would borrow what's required to get, you know, the transmission. Absolutely 100% fixed on that. And then the 5,000 hours difference and sell this car. Then all of a sudden you have no payment.

[B]

We have two vehicles that we own outright. There's no. Like, we just need to.

[A]

Yeah, yeah, we'll borrow what's required to fix them. Sell this.

[B]

Ah.

[C]

What's the working part? Like I said, the transmission and the suv.

[A]

I'm good with that.

[B]

They run and they go A to B.

[A]

No, let's fix the transmission. Let's borrow. Do you guys not listen to what I'm saying? Let's borrow what's required. Sell this, borrow the difference. And then what you had borrowed maybe 10,000 total. Then what's the transmission?

[C]

Where you borrow the. The difference from personal loan.

[A]

What's the transition? Caleb Hammer dot com.

[C]

The transmission. I literally have no clue. No clue.

[A]

How much do you know? Are you a car? I don't have a car.

[B]

I know it'd be.

[A]

I have modern vehicles, so I don't know.

[C]

We saw you drive your Your modern vehicle today.

[B]

Yeah.

[A]

I pulled up to your nasty truck. I know.

[C]

Yeah, it is pretty muddy right now.

[A]

But I was like, great. I'm filming some hillbillies. I bet they stink.

[C]

We don't stink.

[B]

You don't stink, but you can't back up either.

[A]

Huh?

[B]

You have a self driving car and you can't even make it into your. You have to correct. It's a very big parking lot to have to do that.

[A]

I don't think. Did I correct?

[C]

Yes, you did.

[A]

Oh, okay. Oopsie.

[C]

It's self driving.

[A]

I overdrew. I drove myself. I don't know.

[C]

Yeah.

[A]

Is that okay? Do I have your permission to drive myself? Yeah.

[C]

Yeah.

[B]

This time.

[A]

Okay. And I don't have to get my transmission replaced, so. Cause I don't.

[C]

Well, you know, I just bought a new truck because the transmission didn't work.

[B]

The transmission.

[A]

So borrow for the transmission. The difference. Get rid of this. Okay, good.

[C]

There's a lot more wrong with it. But the transmission's the biggest thing.

[A]

Well, fix what's wrong with it. You'll still. You'll have a paid off car. You get rid of that loan and you'll have everything paid off. Okay, this is insane. We're talking an insane. Like your car payment, your gas, your, your.

[C]

Yeah, it's 1200 bucks right there.

[A]

Exactly.

[C]

Yeah.

[A]

So I have a secured loan of $5,262. What is this?

[C]

That might be my dirt bike. Sake.

[A]

What's the interest rate?

[C]

Zero.

[A]

For how long? Forever.

[C]

Forever.

[A]

$115. But you're just adding it to the minimum payment. Just sell it. Get out of it.

[C]

No.

[A]

Why?

[C]

Cause I ride my dirt bike. I raced my dirt bike.

[A]

Okay, let's see if we can keep it. But we definitely want to pay it off quick. Definitely get rid of the truck.

[C]

Yeah. Yeah.

[A]

CNBA.

[C]

I wanted to try and figure that.

[A]

109. Why do we not pay this off? CNBA. What's this? CBNA.

[B]

That doesn't sound familiar.

[C]

I don't even.

[A]

Someone else. 100.

[B]

Can I see it?

[A]

No.

[B]

Okay then. I don't know.

[A]

You're not gonna get any more information than I just gave.

[B]

Okay.

[A]

$30 is Odon Best Buy.

[C]

Oh. Oh, I guess that's my Best Buy account then.

[A]

Oh, it's almost paid off. Just pay it off, dude. Minimum to payment $30.

[B]

Ah.

[A]

Who has student loans?

[B]

Both of us.

[C]

Both of us.

[A]

Do you guys have degrees?

[C]

No.

[B]

No.

[A]

I get you both course career certifications. There's trades, there's tech, there's a lot of really good things. Supply chain chain management. People in the audience have used them to get six figure jobs. Six figure raises. Okay, both of you. I'll get those for free. Discount for you guys obviously, but okay, yeah. Student loan. Student loan. Student loans. How long do you guys go to school?

[B]

I was in for about a semester and a half. I did two semesters.

[C]

Yeah, I did a year and a half. So.

[A]

Okay, well. So it's not. Definitely not worth going back.

[C]

Okay, Wait, I want to go back.

[A]

Well, someone's late. Someone's late. Someone's student loans have just restarted a couple months ago, as most peoples in the country have, and you're late.

[B]

That'd be me. I wasn't making any payments.

[A]

I didn't even going to.

[B]

I have started since. But I didn't even know that because that's what happens.

[A]

You know what happens? It goes to default. Then all of a sudden, whoopsie garnishment.

[B]

Yeah, no, they are again.

[A]

Even though you have kids, you ain't gonna get any taxes.

[C]

He had no clue how much his. His student loans were or who he was going through for the loans until probably right before we. We did all of this, honestly.

[A]

Okay, we have a student loans. Okay for Tony. $8,759. What's your minimum, Tony?

[B]

103.

[A]

Good. What's your minimum, Virginia?

[C]

Less than 100 bucks.

[A]

$90. Sure. What's the minimum?

[C]

I don't know. I've just been paying, so it's not

[A]

gonna be an accurate budget, dumbass.

[C]

Well, I've been paying 100 bucks a month towards it.

[A]

I don't give a what you're paying. I want to make a budget, dude.

[C]

At least I make my payments.

[A]

Oh my goodness. You don't understand.

[B]

Hey.

[A]

11, 000 in someone's 401k.

[B]

Who's mine? Okay.

[A]

Definitely very behind for your age. For your income. I'm glad you at least have something. Do you have anything?

[C]

No. Right.

[A]

That you were the responsible one, the mature one. You.

[C]

Nobody ever talked to me about 401ks.

[A]

What? Nobody's ever talked about anyone about 401ks. We all learned.

[C]

How was I supposed to know that that's what that was?

[A]

Everyone else shut the up.

[C]

Literally no clue how.

[A]

Excuse accountability. Who would have thought?

[C]

Not I. I guess.

[A]

Clearly. Minimum monthly payments for your debt, $1,127. Income 5,200. What's your rent?

[B]

922.

[A]

Utilities?

[B]

Usually about 250. Well, does that include the Internet? That's 350 with the Internet and trash

[A]

phone bills all paid for by parents, you could do healing when you get your own. If as long as T mobile's good out there, uses those kind of towers. Gas, vroom voom. Drive, drive. Because it looks like you're staying there for a bit. How much a month? What was it for?

[C]

At least 600.

[A]

What was the for you?

[B]

I don't really if I'm going somewhere. We're going.

[A]

Okay. So 650. Let's call it car insurance.

[C]

It's 165.

[B]

You we're together.

[A]

165 for both.

[C]

Yeah. USAA.

[A]

Your gas will go down when you use your SUV. But borrow for the difference.

[C]

Well, hopefully it will. My turbo's out too. So like the gas mileage, that's what you need to.

[A]

And you will still save more money.

[B]

It definitely once we get that fixed.

[A]

Food, $600. Use the meal plan. Meal prep, TV fund, $200. Everything else you guys need to survive. Toothpaste, tooth. It varies on a monthly basis, but try to keep it at 200. Health care. Are there co pays on a monthly basis?

[B]

No, not typically, no.

[A]

Is there a Gym?

[B]

Yeah, it's 81 for both of us.

[A]

81 together?

[B]

Yeah, it's a couple's membership.

[A]

How much? How many what pets you have?

[C]

We have two dogs.

[B]

Okay.

[A]

$100. Pet insurance. How much for pet food?

[C]

Probably like 60 bucks a month.

[A]

Maybe subscriptions? I'll try 50. Anything else that needs to be in this budget?

[B]

I have a 128 payment that I. Yeah, $128 payment that I have to make. That's a minimum payment.

[A]

Two. Okay. Something we can't talk about, right?

[B]

Yeah.

[A]

120.

[B]

Do what?

[A]

120.

[B]

128.

[C]

What are we not talking about?

[A]

Oh, shut the up. If we're not talking about it. We're not talking about it. Do you not know what not talking about it is? Are you the dumbest person I've ever met? Trust me, I want to make the show interesting. So if I can't talk about it, do you think you can talk about it? Shut the up. $767. How much do you have left over? Well, let's get rid of the student loans.

[B]

So.

[C]

Sorry.

[A]

You okay?

[C]

Yeah.

[A]

$40,727.34. 767. You can pay off your debt four and a half years. Yeah. We got to boost these incomes. You especially. We got a boost, boost, boost. Get these course career certifications. Let's try to get more money in or work, work more hours, get a second job. And let's get this down to two and a half years and get a six month emergency fund and start a 50. 30. 20. 50. I need 30 on wants 20 to invest it. Okay. That gets us there is this including

[C]

the 600 truck payment as well.

[A]

Yeah. So you get rid of that, you speed that up dramatically, it'll actually cover a lot off of it. So you'll actually probably be closer like two years. If you do we get a good job, you shave that off because you still have to borrow like 10 to get everything fixed and borrow the difference. So let's call it about two and a half years. Years I think is what you guys can do. Okay. Grow the up. Stop being a pathetic piece of. And I'm going to call your dad. We're going to talk about that. And we got to figure this out. You might call your mom about the wedding too. So lots of confrontational phone calls. Get ready. Post show is probably going to be even more interesting than the episode. But spending in a budget. Let's get your Hammer Financial score. Spending in a budget. You over spent 0 out of 10 debt, there's collection 0 out of 10 emergency fund, there's nothing 010 retirement, got something. But combine the income dramatic behind for our age. 2 out of 10 real estate. You don't own anything. You're not on the deed, you're not nothing. 2 out of 10. 0 out of 10 Hammer Financial Score 0.5 out of 10 get yours updated caleb hammer.com right now. Now join us in the post show. It'll be an extra 20 minutes of this episode plus three premium shows every single day, six days a week. You can join here on YouTube by clicking that join button or the link below or you can join on hammerly.com or the Hammer Elite app. I'll see you guys there.

[C]

He's scared that his family would quite literally disown him for this.

[A]

Your dad sounds like a hard ass. We're not going to go too hard on him. But I need you to learn.

[B]

An individual in our in in my family is no longer welcome at the family because she chooses to to date certain types of people.

[A]

What do you mean certain types of people?

[B]

She was dating black people or black man and that was what it was.

[A]

They disowned her for that.

[B]

Yeah.

[A]

You think he'll be embarrassed when he sees this and learns about you?

[B]

Hello, can you hear me?

[A]

I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.