I F*cking Hate Them | Financial Audit

Summary

Financial Audit Podcast Episode Summary

Episode Title: I F*cking Hate Them | Financial Audit
Host: Caleb Hammer
Guests: Jordan (26) & Matt (24) from Springdale, Arkansas
Date: December 22, 2025

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Main Theme

This episode of Financial Audit puts a spotlight on the turbulent financial and relationship dynamics of Jordan and Matt, a young couple grappling with communication issues, patterns of instant gratification, hidden debts, and a lack of financial literacy. Host Caleb Hammer digs deeply—often combatively—into their spending habits, mindset, relationship power dynamics, and massive debt, aiming to confront destructive behaviors and highlight the urgent need for budgeting, accountability, and mutual growth.

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Key Discussion Points & Insights

1. Relationship Dynamics and Communication Issues

• Jordan is characterized by the host as dominant in conversations, often making unilateral financial decisions while Matt acquiesces or remains passive.
  • Caleb repeatedly points out that Matt needs to "stand up" for himself and that Jordan "cucks" him in both financial and everyday decisions.
  • There is frequent banter about whether Matt is able to express his needs, with running jokes about Jordan talking in circles or shutting down communication.

Quote:

"You communicate by saying you’re doing something, then you do it regardless of what he thinks." — Caleb [38:30]

• Matt expresses concerns about being left out of major financial decisions, learning about debts and obligations only after the fact.
  • Jordan downplays or dismisses the seriousness of the secrecy and lack of communication.
  • They share finances only for joint bills, while otherwise maintaining separate accounts, leading to confusion over what constitutes joint vs. personal expenses.

Quote:

"It's joint for the bills… but then separate accounts for personal income." — Matt [34:07]

• Jordan is accused of a “victim mentality” and of twisting narratives to justify her decisions, while Caleb insists she avoids genuine self-reflection.
  • Matt, while admitting Jordan has become better, admits it's a source of ongoing frustration.

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2. Debt, Spending Habits & Instant Gratification

• Staggering household debt, much of it hidden or underestimated:
  • Both guests were shocked to find their real total debt was over $82,000—Jordan herself vastly underestimated her portion.
  • A significant amount is in collections, originating from a mix of past relationship co-signs (notably for a water filtration system), consumer debt, and family loans.

Quote:

"I’ll tell you what’s in it—$82,569.93 of debt. You say you’re not that bad." — Caleb [19:30]

• Large, impulsive purchases justified as “bonding” or self-care activities.
  • Jordan bought a $3,700 OneWheel (electric skateboard) despite already being in deep debt and Matt owning two.
  • Explanations for such purchases include improving self-esteem, shared hobbies, or poor-quality alternatives—which is met with heavy skepticism by Caleb and Matt.

Quote:

"You spent 37[00] on a OneWheel. You know it’s bad." — Matt [16:08]

• Refusal to accept responsibility or consequences for “co-signed” debt.
  • Jordan co-signed a water system loan for a former partner and currently refuses to pay if her ex defaults, despite it affecting her credit.

Quote:

"I'm not paying it. That's not my water system." — Jordan [63:20]

• Heavy spend on eating out and small luxuries (coffee, bakery, boba, etc.)
  • Around 40% of monthly discretionary spending is described as "bullshit" by Caleb.
  • Jordan sometimes borrows small amounts even from family (e.g., her mom) to satisfy cravings for non-essentials like specialty tea.

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3. Income, Employment & Budgeting

• Both work full-time, making a combined income of approximately $4,700/month, but struggle to budget within their means.
  • Jordan, a newly hired receptionist at $21/hour, also does sporadic dog-sitting.
  • Matt works at a botanical garden, earning about $2,300/month.
  • Despite this, their monthly and impulsive spending consistently exceeds income.

Quote:

"You guys spent $5,000 when you brought in about $4,500, so that's a lot better." — Caleb [31:55]

• Misunderstandings about credit, collections, and co-signing persist.
  • Jordan openly admits that, had she understood the implications, she might not have made the same decisions—but also demonstrates repeated failures to learn from financial missteps or research ahead.

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4. Financial Literacy, Enabling, and Therapy

• Jordan is enrolled in therapy but is harshly criticized by Caleb for “enablement” rather than true behavioral change.
  • Her history of unhealthy financial habits is described as unbroken despite therapy and weight loss achievements.

Quote:

"You're in enablement therapy, not having a therapist that actually helps." — Caleb [56:04]

• Caleb characterizes both sets of parents as “enablers,” especially regarding loans and cosigns.
  • Family loans (to both dad and grandma) are considerable, and Jordan's dad financed her OneWheel, which the host derides.

Quote:

"I'm calling him [Jordan’s dad] post-show. We need to stop this enablement." — Caleb [68:00]

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5. Coaching, Tools, and Next Steps

• Caleb enrolls them (at no charge) in his “Master Your Money” program and provides access to budgeting apps/tools.

  • Strong recommendation for picking up extra jobs, strictly following a budget, and considering selling their too-expensive car.
  • Offers career resources (course certifications) to help boost income.

• Long-term roadmap outlined:

  • Pay off debts over 2-3 years
  • Build emergency savings, then retirement contributions
  • Only discuss marriage and meaningful next steps once there’s clear and sustained change in financial behavior

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Notable Quotes & Memorable Moments

• “You are the annoying one in this conversation. That is why I am ripping you.” — Caleb [00:00, 37:44]
  Caleb’s recurring, confrontational refrain frames the entire episode’s tone.

• “I don't know how you're going to deal with this... She glued me back together. No. Yes, he did.” — Jordan & Caleb [81:24]
  Demonstrates Jordan’s perception of the relationship as stabilizing, versus the reality of ongoing financial chaos.

• "If I touch your OneWheel after this, did I fucking like, diddle you?" — Caleb [33:15]
  Exaggerates the absurdity of the couple’s attachment to possessions.

• “You can’t say that. Yes, I can. The boot fits.” — Matt [30:11]
  Matt's rare pushback, met with laughter and more jabs.

• On enabling:

  • “Why would he do that for you? Cause it's so enabling. Such bad decision making.” — Caleb [67:50]
  • “No, he's doing it out of love. He loves his daughter.” — Caleb [69:54]

• On communication breakdown:

  • “I feel like you project your aggression onto your guests. Is there something going on? Are you okay?” — Jordan [36:34]
  • “You cuck him, and you actually smell like a Halloween store somehow.” — Caleb [38:44]

• Repeated use of “cuck,” “beast,” and other provocations:

  • “You absolute beast.” [32:51, 67:47]
  • “You're a mess.” [86:53]
  • “She's broken.” [44:48, 74:47]

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Important Timestamps

• [01:56] — Initial personality clash and first discussion of secrets in finances
• [07:04] — Origin of major debt (water system co-sign for ex-boyfriend)
• [13:18] — Breakdown of $240 hair appointment and “mental health” justification
• [16:08] — $3,700 OneWheel purchase: start of deep-dive into impulsive spending
• [19:30] — True total debt disclosed ($82,569)
• [27:16] — Analysis of household spending versus income ("doing great" vs. "rocky")
• [40:10] — Jordan admits to borrowing from her mom for tea
• [46:00] — Host details how 40% of their spending is on non-essentials
• [54:09] — Jordan reveals she’s banned from Klarna (payment app)
• [55:09] — Weight loss and health journey discussed
• [63:20] — Jordan flatly refuses to pay water system debt
• [82:15] — College now unfunded; plans for career training support
• [98:00+] — Detailed build-out of a bare-bones household budget attempting to fit massive debt and bills

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Summary Table: Financial Situation

| Category | Amount | Notables | |----------------|--------------|----------------------------------------------| | Total Debt | $82,569.93 | Student loans, car, co-signed water system, family loans, medical, collections | | Household Income | ~$4,700/mo | Jordan: $21/hr (+dog-sitting). Matt: $2,300/mo (botanical garden) | | Recent Large Purchases | $3,700 (OneWheel); $240 (hair); regular small luxuries | Funded despite debt; little to no budgeting | | Retirement Savings | Jordan: $7,000 (401k); Matt: $5,000 (401k/Roth) | Not enough for age or combined household | | Monthly Overspend | Spent $5,000; Brought in $4,500 | 40% of spending labeled as “bullshit” (non-essentials) |

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Tone and Takeaways

The tone is highly confrontational, irreverent, and at times caustically humorous, but the episode is peppered with moments of genuine concern and practical advice from the host. The overarching message is one of desperation for the couple to break out of destructive patterns—both financial and interpersonal—before advancing to major life milestones like marriage or children.

The episode stands as a cautionary tale about the interplay between communication, personal responsibility, and financial health within relationships. Listeners are reminded that budgeting, self-awareness, and accountability are key—not just for individual stability, but for relationship resilience.

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Final Recommendations & Conclusion

• Immediate halt to major non-essential purchases
• Strict adherence to budgeting with outside accountability
• Consider reducing car cost via private sale
• Participate in financial literacy programs and potential career upskilling
• Do not proceed with marriage or joint financial moves until there’s substantial progress and transparency
• Address enabling behaviors both personally and within their families

Caleb’s parting words:

“You have to go bring in more money right now and you have to follow the budget. Use the Dollarwise budgeting app. Go through the master your money series. That’s the plan… If you don’t want to end up on this show, make sure you’re not like these guests.” [103:54]

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For Listeners Who Missed The Episode

If you’re looking for a raw, unfiltered look at how easy it is for couples to fall into deep financial disarray—and how relationship communication often tracks with money mismanagement—this episode is both a caution and a call to action. Caleb Hammer’s signature blend of tough love, sarcasm, and real-world advice makes for an engaging, if sometimes jarring, journey through the financial trenches.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You're the annoying one in this conversation. That is why I am ripping you.

[B]

As you should.

[A]

He probably needs someone to stand up to you for the first time because he never has. Because he's probably a little bit of a pussy.

[B]

Go yourself.

[C]

Don't be so mad at.

[A]

Do you not let him speak in the house?

[C]

No.

[A]

No. I think no was the correct answer.

[C]

Is that objecting?

[A]

We don't listen to people that look like you anymore.

[C]

Is it a woman thing?

[A]

No. SJW thing.

[C]

So you're sexist.

[A]

You don't give a about your relationship.

[C]

I'm working on it.

[B]

Work hard.

[A]

Get your free trial to the Dollarwise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. Dollarwise app or link in the description below.

[C]

Hi, I'm Jordan. I'm 26 years old.

[B]

I'm Matt. I'm 24. We're from Springdale, Arkansas.

[C]

And this is Financial Audit.

[A]

It sure is. And you guys drove down, right?

[C]

Oh, yeah.

[A]

How high are you, Matt? Look at you. Look at you. You've either done 10 shots of day or, or, or just sleepless driving through the night from Arkansas.

[B]

Yep, that's exactly.

[C]

He's really tired. Really tired.

[A]

Well, we got a big conversation ahead of us, big guy. Now listen again, I, I, I always say this. I go in blind with the audience. That's the fun of the show. But Colton, you know, kind of waddled in. In fact, you know, he often likes to skip. So he was skipping in. He skipped into my office this morning. He was like, hello, Caleb. And I was like, oh, Colton. Oh, hi. This, this must be exciting. He said, oh, it is, because he has no idea what the is going on. Matt has no idea what the is going on. His lady, this nice little lady here. Something piercing and all. It's just hiding.

[C]

I knew, I knew hiding you were gonna say something. What's the prejudice against that?

[A]

Well, you look like a freak, but.

[C]

Other than that, no, it's just an accessory.

[A]

What did you.

[C]

An accessory. It's an accessory. Get some hearing aids.

[A]

Well, but you said it very weird.

[C]

You said it accessory.

[A]

Said it very California.

[C]

Sometimes I don't. Well, I'm not from there. Thank God.

[A]

Which is very weird because you said it like you were. No, you just look like you belong in a pasture. But other than that, I guess. Correct.

[C]

But I used to weigh 360 pounds.

[A]

So it wasn't a fat joke. Oh, well, it was a. Oh, the bull.

[C]

Oh.

[A]

Oh, she's stupid, too. That comes along.

[C]

She's a little ditzy, but that's okay.

[B]

She does that.

[A]

Well, the main issue, and I think what Colton was trying to tell me, is that your lovely lady here has been hiding an absolute crazy amount of. From you, and you have no idea what is going on in the finances, and it's a complete shit show.

[C]

Okay, first off, first of all, not hiding.

[A]

Well, I was talking to him, but, yeah, why don't you jump in? Not at the gate. I think we kind of want know what personality you are at this point. Sure. What's going on, lady?

[C]

Oh, I just want to, like, get better at budgeting.

[A]

I mean, congratulations. Okay. What the kind of answer is that? The fact is, I mean, the main note that I have is we want to take things to the next step. But she's hiding shit from him.

[C]

Not exactly. No.

[A]

Okay, how would Mr. Matt describe it then? Because I feel like she's trying to downplay something here when the very note that we have from you guys traumatize it. Not necessarily. Maybe. I don't know. The note we have from you guys. Well, mostly him is she says she's ready for the next step, but she keeps hiding her finances from me. That is the note we have. Not from me, not from Colton. From him. So dramatizing.

[B]

Maybe.

[A]

I don't know. But that would be from him. Maybe you should. Do you not let him speak in the house?

[C]

No. We communicate very well.

[A]

No, I think no was the correct answer, and I feel like that's why you probably think it's dramaticized, because you haven't heard what he wants to say and what he actually thinks. I'm already picking that five up.

[C]

Projecting. Are you projecting onto me?

[A]

I don't think so.

[C]

You're project. Oh, you're projecting onto him. Do you not get to talk in your relationship? Yes. No.

[B]

Do I have the floor?

[A]

I would like you to.

[B]

So we want to move forward, but there are some things she's hinted at, things that I don't know the full story to and really, it sounds like.

[A]

She loves to talk and. Yeah, you haven't gotten the full story somehow. That's interesting.

[C]

I'm not a storyteller. Okay.

[B]

Anyways, we're here to Peel back the metaphorical onion layers here on the finances, unbury all the secrets, and hopefully set the record straight.

[A]

Why are those secrets? What is the next step? You say we're trying to move forward. What is forward? Where are we? What is forward?

[C]

Well, we've been together a while and.

[A]

What's a while? Let's try to get specific in this conversation.

[C]

Started officially dating in February, so that's like a little bit, I guess.

[A]

That's a while.

[C]

That is a while.

[A]

When people say a while, I'm thinking a couple years at a minimum. A while. I would say for a little bit. My girlfriend and I have only been dating since February as well. I wouldn't say a while. I'd say we've been dating for a bit.

[C]

Well, okay. You really hyped up time, I guess.

[A]

Okay. You're 26. You're not a child. I think we should have a pretty similar perception of time, but okay. So what is moving forward then? When we've been dating for a little.

[C]

While, thinking about marriage in the next year or so.

[A]

Well, that's good. I love that. Love. Love is in the air. Oh, yeah, that's great. Are you consenting to them?

[B]

I'm consenting. I love her. And again, I just want to get all these finances filled out.

[A]

So what is going on then? What do you think is happening? Because you're. You're saying there's these things you need to peel from the oil and.

[C]

Are you talking about how I pronounce things.

[A]

To move forward into the marriage situation? What do you think is going on? What's your perception?

[B]

Well, I've heard about a water system, and I don't know the full story to it.

[A]

I don't know about a water system. How do we hear about a. What's a. I mentioned. Are you a homeowner?

[B]

No.

[A]

Is it a housing?

[B]

I believe it's from a past purchase or perhaps alone.

[A]

Water. What's a water system for? What? What are you watering?

[B]

Yeah, what are you watering?

[C]

Well, my hair. Because hard water is bad for your hair.

[B]

No. Jesus.

[C]

It's okay. It's from, like, my past relationship that I was in. It was like a. It was like a rebound relationship, and I didn't realize it at the time.

[A]

You rebounded with a water system?

[C]

No, with a person. But he bought a house and then.

[A]

He was, you know, this guy.

[B]

Never met him.

[A]

You're kind of reacting in an interesting way. So I feel like there's some blood. Not the greatest of the bloods.

[C]

He doesn't know Him. Never met him. Just heard about him.

[B]

What I've heard, he is. He's a piece of work, to put it.

[A]

I don't know how that equals a water system.

[C]

So he. We were together for, like, a couple months, and we're tired of driving back and forth because we were, like, an hour away from each other. And so he was like, it would be easier if I just bought a house. So he bought a house.

[A]

Luckily, they go for pennies in Arkansas.

[C]

But it was in Missouri, and it was way more than pennies there or way less than pennies. But he was like, I'm gonna get a house. So he got a house, and I moved.

[A]

Good for him. The boyfriend of two months. Good for him. I'm glad he got a house. He. That's a bad decision, himself. And him.

[C]

Well, I moved in and as a roommate. Time that, like, they sent all these people to, like, sell you solar panels and sell you these things.

[A]

Why does it matter if they come? They always come.

[C]

Because Mormons come.

[A]

The solar panels come. They all come.

[B]

Oh, yeah.

[A]

Why does it matter if they come?

[C]

Well, I don't think Mormons come very often because it's a religious thing.

[A]

But I think they come a lot with their multiple wives.

[C]

I think that's dated, but.

[A]

Well, if they're lucky, they're dating a lot.

[C]

He bought the house. One of those people came to the door and was like, oh, this water system. And at the time, I was in the middle of losing weight, and when you lose weight, your hair gets super thin. I was like, oh, my God, a water system would be great for my hair. And he was like, I can't get it on my own credit with just.

[A]

What are you doing? You're getting a water system just so. Because you're losing weight. This is. That's a. Feels like one of the more stupid excuses I've ever heard to go into a debt.

[C]

Well, but it just.

[A]

Wait, is it a debt? You say you hear about a water system. What do you mean you hear about a water system? Well, the rumors of a water system.

[B]

She told me about this past. I guess I'd call it a situationship.

[A]

Yeah. Two months before moving in. That's actually pretty intense.

[B]

And this is coming from the woman who will not drink water without ice in it.

[A]

So, okay. Bougie cow.

[B]

So very particular about her water, and I think it stems from that. And she heard water system with. What was it? Soft, soft water.

[C]

Reverse osmosis. Okay.

[A]

Oh, for sake.

[C]

It had reverse osmosis.

[A]

Fully, Fully. You.

[C]

No, I Didn't buy it.

[A]

Okay, I'm confused what this rumor of a water system is.

[C]

That guy, he signed on it and he was like, oh, I can't get approved for it with just my name or credit. And so I co sign and a water system. But I didn't understand what co signing was at the time.

[A]

Locked in. Well, so far, in the few minutes we've had. But when you've used reasons for doing anything, it's just. I don't understand. You know what happens when you don't understand something? You learn. You. What are you talking about? I don't understand shit all the time. Does that mean I just do? Does that mean I just do?

[C]

Well, in the moment, it seemed like a rational decision the first time.

[A]

I didn't understand how to stick it in, so I watched some porn.

[C]

That does not tell you how to stick it in the correct way.

[A]

No, but it helped me at least. Proceed.

[C]

You couldn't find a hole like crazy. You needed to learn that.

[A]

But anyway, I could have landed in the wrong one.

[C]

Well, depends on your preferences, I guess.

[A]

The thing is, if I don't understand how to cook, I learn a recipe. If I don't understand how to drive, I learn how to drive. If I don't understand how to film or edit, I learn you. I didn't know that they sent Solar Salesman. I didn't. I didn't know what co signing means.

[C]

I didn't.

[A]

You tit. When was this? You tit. When was this?

[C]

It was like last May. No, not this past May. The one before.

[A]

You were 25. At that time, you had access to GPT, you had access to Grop, you had access to Google.

[C]

I didn't even know GPT existed.

[A]

Doesn't matter. You don't know anything. As your excuse for anything. You had access to Google. I know you know that. You had access to Finyahu. If you really wanted it, you had.

[C]

Access to that Bing, besides the stupid water system.

[A]

No, no, but you could have looked up what is co signing?

[C]

Like that.

[A]

That is no longer an excuse anymore for anything in today's society.

[C]

Well, because the way they explained it to me is that 2002, maybe because they were salesmen, like, I don't know, I took their word for it. They were like, this is what co signing is and it's not even a big deal. And so I just took my word.

[B]

I think part of it stems with the instant gratification.

[A]

It was also instant gratification of and you'll reverse osmosis. Okay, listen, we have different gratifications.

[B]

That this is a. This is a pattern of instant gratification.

[A]

How do you feel getting into dating? This pattern for potential long term marriage?

[C]

I'm more than just a pattern. Okay.

[B]

Considering.

[C]

Don't minimize me.

[B]

I've had to sort of steer her away from that. And she has gotten better. But again, it is still quite frustrating sometimes.

[A]

I mean, in the entire conversation that you guys were having in the onboarding process with Colton, you were just incredibly. Just swearing that you were better off with finances and that you're actually doing pretty good with finances and then you're feeling bad.

[C]

I think we're doing fine.

[A]

You wouldn't be here is the fun fact with that. Like, it's impossible. And you having that mentality. If you want to move forward. That mentality doesn't get you moving forward in a relationship. If you got. Yeah, yeah. Okay. Oh, yeah. What's your perspective on all this? I know you don't know the entire finances, but, like, what do you think? What do you hear this? Like, what. What is even going through your head? I mean, she says she's emotionally self aware.

[C]

Apparently I am emotionally self aware.

[B]

And I'll give her credit, she does. She is self aware. But whenever.

[A]

No one with that hair is ever self aware.

[C]

I literally just did this. Okay. I was like, I want to.

[A]

Then you're certainly not self aware.

[C]

I am self aware. It's gorgeous. I love it. You perm yours. I don't want to hear it.

[A]

All right, stalker Matt, you talk about it.

[B]

Well, if we're staying on the hair topic for a second, I can't justify spending. How much was it?

[C]

Which one?

[B]

Which appointment was it? What was the last appointment? What did it cost?

[C]

240.

[B]

240.

[C]

If I can get a haircut, I was justified. My hair looked really bad. And then my self esteem suffers, and.

[A]

Then it should still be.

[C]

No, I think I look good.

[A]

You look like 2012 SJW.

[C]

My choice. What was popular then?

[A]

Then? Okay, that cost you 300 bucks.

[C]

I'm doing great.

[A]

Oh, that wasn't the question.

[B]

Yup.

[A]

And also, are you again, you're on the show and you want to move forward as a couple?

[C]

Here's the thing. He can't justify a hair purchase. Well, purchase, I don't think it's like a purchase. It's kind of like a support thing. It supports my mental health because it makes me feel better, which I'm not.

[A]

Necessarily 100% opposed to. The thing is, I feel like if he is noticing a pattern of endless instant gratification for being the reason we're doing everything. It's like. It's a continuation of a pattern. Yes. Of which you might have associated with you. A pattern that is continuing down this cycle of bad finances, not letting you guys get to that next step, if that. And there. There is a middle ground. You've never used conditioner a day in your life. I can tell. And you spend way too much on your hair. There is a middle ground here, ladies and gentlemen.

[B]

Like, don't get me wrong, I conditioned this morning.

[C]

Well, I've tried doing it myself, feel it. I've tried doing my hair myself, and it ended horribly.

[A]

I'm not saying that either. Again, that within itself is not an inherently bad purchase, especially from, you know, the female perspective. Okay, I get it. But if it's an endless pattern of instant gratifications leading us to financial misery.

[C]

I think we're in financial misery.

[A]

Well, he does. In order to get to the next step, which is your main goal, he's not willing to get there because you're being an absolute degenerate.

[C]

No, I don't think you know the definition of that word.

[A]

I'm a degenerate, but in different. In more pleasant ways and more fun. And we love it. But the fact is, you are obviously holding it back, or else he would be going to the next step.

[C]

I don't think I'm holding it back.

[A]

Well, let's hear what Matt says, then. Let's hear what Matt says, then. Well, are you a pussy? Not bringing shit up.

[B]

No, I bring it up. But even when I bring it up, things like, for example, the one wheel, I never even had a chance to say no. It just.

[A]

How much was the one wheel?

[B]

How much is the one wheel?

[C]

I know, like, in total or like, it was, like, 3,700. That's not that bad. You have your hobbies. People spend more on stupid Legos.

[A]

I have money to budget. I'm responsible. No, and before this. Before this. For years before this, when I fixed my shit, you guys are literally trying to move to the next step, and you're spending 37.

[B]

You know it's bad.

[A]

100 on a one wheel.

[B]

Already had two, and we were perfectly fine.

[A]

Then I already had. Why'd she do. Why'd she do this? Shut the. I don't even want to hear it. Why did she do this?

[C]

Okay, you don't have.

[A]

Oh, there she is. Come on. She can't listen.

[C]

I want to get in. It was a bonding thing.

[A]

Bonding.

[C]

Bonding thing.

[A]

Bonding. You Bonding. What?

[C]

Bonding. Because it's a good, like, hobby. Outdoor.

[A]

He had two. You are two people.

[B]

I really. I really want one for myself.

[A]

Wait, he had two?

[B]

I. I really wanted a one wheel.

[C]

For myself, and one of them sucked, and I couldn't ride it.

[A]

They had characters or I couldn't support you? Which one?

[B]

They had character?

[C]

The first.

[A]

Huh.

[B]

I've crashed them several times. They got some dings, they got some rough marks, they got some wear on them, but that doesn't make them any less capable of riding than the one you.

[C]

But okay, to be fair, just to preface, I was like, okay, I really like this hobby that he's introduced me to, so I want one of my own. Because we were still.

[A]

That's more important than the next step, though, because, again, that's what's holding back.

[C]

At the time, we had only been together for, like, four months, so I didn't know.

[A]

And you're What? You're an 8, so that's halfway through 9.

[C]

And then we dated before that, but we weren't official because I was making sure I was doing the right thing this time.

[A]

What? What. What does that mean?

[C]

Casually dating but only seeing each other? No, no, no.

[A]

What's the point?

[C]

Going on dates and getting to know each other?

[A]

You. No, I'm kidding.

[B]

That was, like, the first month.

[A]

Okay, so it's been 10 months.

[C]

Well, but I mean, not official. Nine.

[A]

I don't give a fuck about official. Who cares? Are we in middle school? I knew you're dressed like it, so I guess it makes sense. Sure.

[C]

I'm sure it does for you.

[A]

I mean, how much debt do you have? Well, Matt, how much debt do you think you guys have as a household?

[B]

As a household? Well, we recently got a car for me because mine was. It was done. And I believe right now that's about 21. 21? No, 23.

[A]

Let Matt figure this out. I want Matt to figure out what the household finances are, the debt across the board.

[B]

So from my side of things, I know I have 23,000. It's a car payment. All right? It's a loan.

[A]

So the household combined. What do you think it is? Because we're trying to make this a household, a combined household.

[B]

I'd say somewhere about equal. So maybe 20,000 on her end.

[A]

Okay. Which would bring us to.

[B]

As a household, 43.

[A]

Okay.

[B]

Maybe.

[A]

And what do you think? Bitch?

[C]

As a household? You had to throw the bitch in there. Yeah, I'm sure you did. Do you feel good about that? Yeah, I'm glad you do. Okay. So maybe like 30? No, 30.

[B]

30?

[C]

Yeah.

[B]

Oh, my God.

[C]

Like 30 with the car.

[A]

What's this reaction, Matt, what is this? What are you saying?

[B]

I don't know, but I feel like it's gonna get.

[C]

The car's paid off. So, like, I don't think. I don't think it's crazy.

[B]

I'd like to know what's in those papers in your hand a little bit more.

[A]

Well, I'll tell you what's in it. $82,569.93 a debt. You say you're not that bad.

[C]

It's not that bad.

[A]

It's not that bad.

[C]

Not that bad. Not my dad.

[A]

Well, you.

[C]

23,000 as bad as a car.

[A]

You thought you had 30. Yeah, well, it's substantially different. More than double. Are you able to. You're not able to disagree with more than double. Like, that's not something that's disagreeable.

[C]

Okay, but I thought some of it would fall off, to be honest. Like I thought it would just like I thought it would be long enough to talking collections.

[A]

Yeah, okay, maybe there's some collections. So you're gonna marry a woman that allows things to go to collections?

[C]

I was in a different time.

[A]

Different? You're 26, dude.

[C]

You haven't had that much time when that happened.

[A]

Okay, 25.

[C]

Before that, I was in a seven year long relationship.

[A]

Does she want a handshake? I don't know what she's looking for.

[B]

I made really bad decisions, but yes.

[A]

Yes, you just got a $3,700 one wheel while being $82,000 in bad debt. You used to make really bad decisions. You don't give a about your relationship.

[C]

First of all, I do.

[A]

No, you're not trying to do anything to get it forward. You're just trying to get yourself a one wheel because you didn't want to be on his rusty one wheel.

[C]

I wanted my own too, because in that at that time, I didn't know if we would. I didn't know if we were gonna like, work out in the future. I try not to hold on to things like that and just let things flow. But I was like, if we weren't together later, I want my own because.

[A]

Then buy it after a separation.

[C]

But I wanted it then.

[A]

Well, no. So she prefers that over you guys getting married.

[C]

That's not true.

[A]

But you chose it and you purchased it, which puts you behind, which puts you further away from marriage. So. Yes, you do. And you don't stand up.

[B]

I didn't have a chance to stand up with the onewheel.

[A]

Why? What do you mean?

[C]

It was my.

[B]

I was at work and I got a text, and if I could find it, I would show you, but it's so far in our text message logs at this point. But it went something like, hey, babe, I bought a onewheel. I dropped my phone. I was planting vegetables in the ground. I dropped my phone out of excitement. No.

[C]

Yeah.

[B]

No.

[C]

He was excited to ride onewheels with me.

[B]

I was, and I am always amazing. That's how we pulled up to the office, on our onewheels. But you just buying it outright, especially on someone else's credit. I would never.

[C]

I make the payments.

[B]

I would never.

[C]

I make the payments. It's like, we're doing good. Like, I've got a house. Well, I've got a house that I rent, but I've got a house. My car's paid off. I can afford to get my onewheel.

[A]

Can you? You're at 83,000 hours of bad debt, and that's holding you back from marriage. How can you afford that? Fine. What's at the household spent? Well, first, actually. What's your income? What's your job?

[C]

Well, before I came here or before.

[A]

What's your job?

[C]

Jordan, when I called you guys or.

[A]

You called me, I never called you in my life.

[C]

Yeah, but like, when you guys called me and you were like, hey.

[A]

Oh, she can't answer this question.

[C]

Okay, yes, I can.

[A]

I understand why these conversations at home never go well. You know, if you could just answer the title of the job.

[C]

There's a story to.

[A]

Why did I ask for a story?

[C]

I don't care if you did or not. Are you done? Can I talk? Thank you.

[A]

Okay, zoom, zoom.

[C]

So I got laid.

[A]

Pretend like you're on a one wheel.

[C]

I got laid off. And so.

[A]

You do not have a job.

[C]

No, I have a job.

[A]

What is your job?

[C]

I got laid off. And then the next week I got another job, so I.

[A]

Why does it even have. Congratulations. That's the answer. That's the answer. Nothing else answered. Nothing else mattered.

[C]

Yeah, because now I make a little bit more money.

[A]

Who cares then about. What the. You're a receptionist.

[C]

Yeah.

[A]

Well done. I'm proud of you.

[C]

Thank you.

[A]

Those poor customers. What do you make?

[C]

I make 21 an hour.

[A]

Okay. In Arkansas. Especially not in the major metro area of Little Rock. I'm sure that stretches actually decently far. What hits per paycheck cycle. And what is that? Paycheck cycle?

[C]

It's so new that I don't know exactly what it's going to be, but I estimate because the insurance costs more for my paycheck that it'll be about the same as what I made before. So probably like 1150-1200 a paycheck.

[A]

Okay, so 2400 per paycheck. Okay. And you can justify spending a month and a half worth of income on a one wheel?

[C]

It's a hobby.

[A]

How does that.

[C]

How does that equal Caleb?

[A]

How does that equal it being. Okay if it's a month and a half worth of income?

[C]

Well, I also dog sit on the side, so, like I get extra income, but it's not consistent, so I don't count it.

[A]

Well, can we count it?

[C]

Like, I try not to.

[A]

Well, what is like the monthly average for dogs?

[C]

It varies because, like, I don't. It really varies. I don't know. It varies. It could be like 1200. It could be 200.

[A]

And Matt, what do you do for a living?

[B]

I work at a botanical garden. I dig holes.

[C]

He's a plant guy.

[A]

Mm. Okay. What do you make digging holes?

[B]

11.50 bi weekly.

[A]

Oh, shite. Okay, so 2,300. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co sign a release program so your mom and dad can step off the hook. Why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them [e-mail] hammer that is yrefy.com hammer or call 889-733978 that is triple eight nine seven three. Break free from the high interest trap and get your finances under control once and for all. This is not an ad. I actually need your help with something cool I'm trying to build. Financial audit has gotten pretty dang big over the past few years. I went from filming on my kitchen table in my condo to renting out an entire office with multiple sets, a shit ton of full time employees, and some big time sponsors. Now, how I dialed in the exact formula for making videos that gets hundreds of thousands of views every single time. From thumbnails and trailers to editing and audio. We've got this whole YouTube thing down to a science. And the thing about science is it's meant to be taught. In fact, I've been thinking about doing a little YouTuber academy for a while now. But I need your help first. If this is something that you're actually interested in, can you fill out the form linked below? It only takes about a minute and it'll let me know what I should actually include in the academy. So fill it out and stay tuned. Honestly, it would help me out and I want to help the next generation as well. So if you, if you want to be included, just feel free. So the household is 4,700. I mean, how we doing on 4,700 when we're spending an entire household's month of income on one wheels?

[C]

Honestly, I think we're doing great, Matt.

[B]

It's been rocky.

[A]

Where's the difference? Why? Why are we very different sides of the coin when it comes to how the household is doing?

[C]

I guess I'm so different, and I just think it could be worse.

[A]

It could be worse. Why does that all of a sudden make something good though? That doesn't make any sense.

[C]

I will get better.

[A]

No, does it? I will say this. I, I use it like, I say it every time. If you inject once a day versus three times a day, that doesn't make, even though it's better, good. That does not work.

[C]

But it's still better if the United.

[A]

States gets hit with one nuclear bomb instead of four. It doesn't make it good, but it makes it better. It does make it better, but how do. But you make. Make it sound like it's good.

[C]

Good for me. I think we're doing great.

[A]

The median household income is $70,000 in Springdale, Arkansas. You guys aren't there. You're probably, I mean, nat, you're like 55.

[B]

Yeah, we need to make some changes.

[A]

But I'm just confused on what's so different. She's optimistic. What would you say? You okay? Fine. How would you describe him?

[C]

I'm conservative. He wants to like save, save, save, save.

[A]

And this is bad?

[C]

No, I wouldn't say it's bad. It's just like we can't go do fun Things. Or like, not always?

[A]

No. You can't spend a month and a half worth of income. I'm sorry, you can't. No one can do that. If I went and spent a month and a half worth of income, that'd be insane.

[C]

I wanted to enjoy that hobby with him.

[A]

He already had two. You absolute beast.

[C]

And one of them sucked. It's like on its last leg.

[B]

You weren't riding that one. You were riding the good one.

[C]

And then that one started having problems.

[A]

Oh, for sake.

[B]

It still runs fine.

[A]

Huh?

[B]

It still runs fine.

[C]

He says.

[A]

Well, I'm kind of trusting him right now. Cause you seem like you twist things to make what you do acceptable.

[C]

No.

[A]

Yeah.

[C]

No, I don't.

[B]

She has a very I'm gonna make it work mentality.

[A]

Uh huh. But yeah, nothing has ever worked. I mean, you thought you had $30,000 of debt as a household.

[C]

Because I can make it work. I don't think it's that bad.

[A]

You never do. Okay, we know what comes in. What was spent last month?

[C]

Um, did I do dog sitting last month?

[B]

That's such a great question.

[A]

Uh, 100 bucks. Just about 100 bucks. A dog sitting is what I got.

[C]

Oh, no, that's just. I usually get the rest through like Venmo.

[A]

Uh huh. It was $100.

[C]

Interesting, interesting.

[A]

What was spent last month?

[C]

Probably like, see, I don't know. 2000, 2500.

[A]

She's. Okay. You're literally gonna marry a person.

[C]

You can't say that.

[A]

Yes, I can.

[C]

You can't.

[B]

The boot fits.

[C]

That's literally every driver in this state.

[A]

Then we don't listen to people that look like you anymore. I don't know if you know this. You've lost all the power.

[C]

What does that even mean? Are you. Is it a woman thing?

[A]

No. SJW thing.

[C]

So you're sexist.

[A]

That I. I said sjw. Is that women?

[C]

Well, I mean, I don't know. I don't know what SJW is, but social justice. You have to talk over women all the time.

[A]

I talk over everybody, including myself.

[C]

You can't talk over yourself.

[A]

Oh, yes, I do. And that's why I flubbed so many words.

[C]

No, that's just a stutter. That's just because you don't know how to stutter.

[A]

I talk faster than I think. I don't know what I'm saying half the time.

[C]

Well, then maybe you should stop and think for a minute, girl.

[A]

So you can't say that. I can. I just did. What? What? What? What? Back and again. We don't listen to people like you anymore. We really don't. You guys have no power. You guys were like.05% of the population online. You're a performative virtue of signaling weirdo. We already know that.

[C]

Is that just because of the piercing.

[A]

And the color and the color and the weird earrings that you made in a shed?

[C]

No, actually I purchased them from a museum.

[A]

Well, that's even worse. Cause they look like they were made in a shed. That is as clear as day.

[C]

Support small businesses. Don't be rude.

[A]

Small businesses. Is someone in an attic that's set up at a farmer's market some sort.

[C]

Yeah, exactly. Support small businesses.

[A]

Okay. Yeah, it's a lemonade stand version of earrings. Okay, so either way, these people. You're connecting yourself to one of them.

[B]

Like I said, she's been doing a lot better.

[A]

What?

[B]

A lot better.

[A]

Okay, you guys spend $5,000 when you brought in about 4,500, so that's a lot better. I don't want to know where we came from. A lot better. She spent 30. She spent a month and a half. Month and a half of income on a one wheel. That's all. She's doing a lot better.

[C]

She thinks you guys have of income.

[A]

No, it wasn't of your income, you dumb creature.

[C]

Listen, I thought we were joining incomes depending.

[A]

You guys aren't even married, but potentially, yeah, but you. I was talking about your income.

[C]

So, like.

[A]

Well, you went and bought it without him. Okay, fine. You spent basically a month's worth of household income. That is still insane, disgusting, stupid in every way whatsoever.

[C]

It was worth it.

[A]

Was it?

[C]

Yes.

[A]

I looked at him and she's doing the classic the person we hate most in this entire world thing.

[B]

Well, she's happy on it, but it is definitely a stark reminder that we could have used that money.

[C]

Do you not like going on one wheel rides with me?

[B]

Oh, I love it.

[A]

You had to. You absolute beast.

[C]

He had to suck.

[A]

So is it a combined income or not? Is it one? Is it a combined income or not? Is it. Is it a combined household or not?

[B]

Yeah. With Bill's. Tell me.

[C]

Yes.

[A]

Is it with Bills? It is. Then it's the combined 1 wheels. 2. Then he had two. One's yours. There you go.

[C]

You at four months.

[B]

Oh, my gosh.

[C]

You can't just act like at four months you're going to marry someone.

[A]

She's can. You're acting like riding someone's one wheel is a marriage. If I touch your one wheel after this, that I fucking like, diddle you.

[B]

True, true.

[A]

Like, what is happening? Like, I'm. How do the conversations go in this household around finances? Please tell me in extensive detail.

[B]

So I want, I want, I want. No, no, no, no, no.

[C]

That's bullshit.

[B]

Sometimes does it anyway.

[C]

That is. Okay. All right, well, what about Seven Broom? Hmm.

[B]

Well. Well, when I have the money in my account to.

[C]

If it's joint income, do we have the money in our account? I say yes. But then you're like, why did we do that?

[B]

That's not how we set up. We had a joint account for joint bills, but then separate accounts for a personal income.

[C]

Is it joint income or not joint income?

[B]

It's joint for the bills and the things that we both have to pay.

[C]

That sounds different to me.

[B]

All right, are you gonna open up a bank account with someone, like just a roommate?

[C]

No.

[A]

But that's how the conversations go around finances. Again, so she says, I want, I want, I want. You say, no, no, no. And then what tends to happen anyway? So you're domineering and you get what you want no matter what, and yet you probably pretend like you're a victim still in the end.

[C]

Okay, I have never had victim mentality. First and foremost. You have. I'm sure I've never had victim mentality.

[A]

Uh huh.

[C]

Mm. I am literally, like, I say, I'm like a crack addict who doesn't do crack because I can always make things worse.

[A]

You look like you've done.

[C]

No, I don't. I have all my teeth. I literally, like, I don't have fucking scabs.

[A]

Close your mouth. You look like you could be toothless.

[C]

I used to have an underbite.

[A]

Oh, that's why.

[C]

Yeah.

[A]

That doesn't make me feel sympathy for saying that. I'm sorry.

[C]

Sympathy? I'm not a big person.

[A]

You said it like you wanted me to feel bad.

[C]

That's not how the conversations go.

[A]

Besides the point how the conversations go.

[B]

It's always, we're going to, I'm going to make it work. I'm going to make it.

[C]

She says, I always make it work.

[A]

Well, no, you thought you had 30,000. You spent more than you made.

[B]

No, we get hit with our bills naturally, every month. And then it's like, surprise, we have X amount of money, but maybe it's a little under. And she's like, I'm going to make it work. Not, we're going to make it work. I'm going to make it work.

[C]

I do make it work.

[A]

You spend $500 more than you guys brought in last Month?

[C]

Well, I probably brought in 500 from somewhere else in cash.

[A]

No.

[C]

No, I'm pretty sure I didn't.

[A]

No.

[C]

Well, I'm pretty sure I did.

[A]

No.

[C]

If I go back and look, I made a lot of money.

[A]

No, here's the deal. She just doesn't live in reality. How can we work with someone who doesn't live in reality?

[C]

I do live in reality, but you try to make it seem like reality is much more harsh than it is. It's not.

[A]

What do you mean? I just have your numbers on paper. Done by an accountant. A woman accountant, by the way. So it can't even be sexist. So I don't want to hear that.

[C]

Yeah, it's just the way you talk over people, specifically women. And you always talk down. Women don't even play the game.

[A]

Pause for a second. I've been talking over you more than him, but. Cause you've been the obnoxious cunt and he hasn't been. So if he was being the.

[C]

That makes you feel better. I feel like you project your aggression onto your guests. Like, is there something going on? Are you okay?

[A]

Yeah, I have an annoying in front of me. It's very obnoxious. So yes, I'm dealing with it.

[C]

No, I'm not.

[A]

If he was the annoying one, I would be talking in front of him. I roast guys all the time. Again, she. She has the victim mentality. I can already hear it. You got Reddit written all over you.

[C]

I don't even use Reddit.

[A]

That's what they all say. It's written all over you. You were born into it, like the Matrix.

[C]

No, I've never used Reddit. I've never posted on Reddit. Nothing.

[A]

It's an example of just how you act. You're that brained.

[C]

I think my brain is beautiful.

[A]

We upload more women than men cuz we get more women applicants by far. Don't get me wrong. So yes, you probably see more examples there. But every time a guy's on the show, which are typically Wednesdays, I obliterate them the same exact way.

[C]

The reason you probably have more women is because women are not afraid of you. So they come on here.

[A]

I want someone to. What are you talking about?

[C]

You're using that like it's yell at people. And maybe guys are like, oh, I'm an alpha. I'm not going to go on there and have some fucking nerd maybe stop.

[A]

Eating a play to come on the show.

[C]

I don't know why and come on the show.

[A]

Yeah, so I, I Don't know what? I don't know what point you're trying to get to. You're the annoying one in this conversation. That is why I am ripping you.

[C]

Maybe we just don't match, huh?

[B]

As you should.

[A]

And he hasn't been annoying.

[C]

Okay, whatever.

[A]

Well, he probably needs someone to stand up to you for the first time because he never has. Because he's probably a little bit of a pussy. I am getting a little cuck vibes.

[B]

Go yourself.

[A]

Whoa. Respectfully, there's some balls.

[B]

If there's something meant to be said, it'll be said.

[A]

What?

[B]

But I'm not gonna talk over someone who needs to talk over other people.

[A]

Thing is, big guy, you say no, she does it anyway. So you're a pushover.

[B]

All right.

[C]

Sometimes I. I feel like I do communicate, though. I feel like.

[A]

Okay, okay. You communicate by saying you're doing something, then you do it regardless of what he thinks.

[C]

I tell him, and he's like, you cuck him. Do we have the money for it? And I'm like, yeah, I think we have the money for it. I think we'll be fine.

[B]

Here's the deal.

[A]

You cuck him, and you actually smell like a Halloween store somehow.

[C]

It's defactory butter.

[A]

It smells like spirit Halloween in here.

[B]

So usually what happens is, whenever I tell her no, she goes to somewhere else. So instead of cucking me.

[A]

Wait, when dad says no, she goes, ask mom, who is someone else?

[B]

Who is someone else?

[C]

I don't.

[A]

Who are you going and asking?

[C]

What are you referring to?

[A]

What are you referring to?

[B]

Well, for example, we were out and about, and the impulse gratification hit her, and she just wanted to get an HTO drink so bad.

[A]

Huh.

[B]

Her mom was in the neighborhood.

[A]

Hto?

[B]

It's some tea place.

[A]

Tea?

[C]

You have one here, I'm pretty sure.

[A]

Oh, that's the cha. It's not that good.

[C]

I like it sometimes Hto, when I'm not feeling 7 brew, I'll get an Hto.

[A]

I thought you said he was the 7 brew guy.

[C]

He is. But if he sounds like you are.

[A]

Too, so you do it together, so shut the up.

[C]

Yeah. Nah, he's saying, like, I go and ask other people, but hto's literally like $3.

[A]

Okay, so, yeah, what was this ask other people thing?

[B]

She calls her mom, who is so conveniently in the neighborhood, and she's like.

[C]

She was at the time, can I.

[A]

Have some money for hto? You're asking your mother for hto money at 26?

[C]

Yes.

[A]

You're a joke. And you want to sit here and say that you guys are doing well and you're ready to move to the next step. You're a joke. You're asking your mother for money to get t the is wrong with you?

[C]

Honestly, I don't think a lot. I think I'm very emotionally aware. I think we're not that bad off. And I don't think asking to borrow money here and there when you pay it back is like a big problem.

[A]

Back from your family to get bullshit, though. It's not even for like a life necessity. And you guys make.

[C]

That was a very rare occasion. I usually ask her for help.

[A]

Well, that's why he brought up so clearly he finds it very important.

[B]

Mm.

[C]

That's because he doesn't like asking for help.

[A]

You shouldn't need to ask for help. You guys make okay money in a cheap area. No, you're not a medium income yet for the area. But you guys are also like 25.

[B]

And if we're gonna be independent as a couple with like potentially a kid and pets kid.

[C]

Eventually.

[A]

Eventually. I can't even be a part of the conversation right now, guys.

[C]

Eventually. Like I'm saying, when I'm like 28 or 29.

[A]

Why her?

[C]

I'm pretty amazing, first and foremost, so.

[B]

She is pretty amazing. However, everything except the finances. It's literally everything.

[A]

How she communicates. How can you guys have serious conversations? You communicate. You don't allow communication back.

[B]

She talks herself.

[C]

False, False. He shuts down.

[B]

Well, she talks herself into a circle until she admits what's wrong. And then the instant gratification comes back and replants the seed and the cycle restarts.

[A]

Always thinking about planting seeds, aren't you?

[C]

Everything's a plant.

[B]

Your plant's leaking all over the carpet.

[A]

Yeah, that was an issue this morning.

[B]

They're overwatered. They're probably going to die.

[A]

It's not going to die. It's been with us for years. Thank you. His name is Henry. He's okay. I just named him now. But he is struggling this morning. It is true.

[B]

What about those fish in that tank?

[A]

Ah, fish. Thank you.

[C]

Because it killed the other ones.

[A]

No, the other ones jumped. Cause they're guppies and they jump. But all the levels on the water are perfectly fine. We do testing. Thank you.

[B]

You didn't feed them.

[C]

I like the shrimp, though.

[A]

He was fed on Monday. He's getting fed today. You guys are weird. What are you talking about? What are you on about?

[C]

Living things. Talking about eventually. Whoa, whoa.

[A]

Okay, so she Says you shut down. I told you. You cuck him. In conversations, you cuck him.

[C]

No.

[A]

You get cucked. I don't. And you allow yourself to be cucked. Do you get off on it?

[B]

No. And she doesn't.

[A]

Well, she said she does.

[C]

No, I didn't.

[A]

You said he shuts down. Cause you go at him, he shuts down.

[C]

I don't cuck him.

[A]

You cuck him.

[B]

No, you said that.

[A]

Caleb, you're getting cucked, big guy. Why do you shut down?

[B]

Because whenever you hit a wall and she's running in circles, it's like you just let her run in circles till she gets tired.

[A]

Yeah. You must be miserable to have conversations with. If I'm just buzzing, buzzing, buzzing, buzzing.

[C]

I would say that it's where he says, like, I'm running in circles. I'm not running in circles. I'm just trying to make sure that he understands what I'm communicating because I'm. If you say one thing and someone hears another thing, then it's like there's a miscommunication there. But then he doesn't want me to do that because he thinks I'm reiterating and reiterating, and I don't think I'm reiterating.

[A]

So how often does he go to 7 brew then?

[C]

Multiple times a week.

[B]

Not anymore.

[C]

Yes, we have.

[B]

How many times do we go this month?

[C]

Enough to get at least two free drinks, so at least 10.

[B]

How many times have you gone to Seven Brew this month?

[C]

We.

[B]

We're not always going together. I've had Seven Brew, I think twice this month.

[C]

Okay, what about when I bring it to you at work because you're like, yeah, I could use a coffee.

[B]

I could use a coffee.

[C]

And then you're like, I show up with the coffee. There are no objections there.

[B]

What, are you gonna return it and get the money back?

[C]

No, you're just happy I brought you one. You don't object, so it's fine.

[A]

You think she ever spends behind your back?

[B]

Uh, yes, I know she does the onewheel.

[C]

That. That was with love in hopes that we could do our hobby together.

[A]

What a. Cope you with love. You love.

[C]

I thought he would be excited so that we could do the hobby together.

[A]

There was already one. What is wrong with her on this?

[C]

Well, the other one was shitty. You'll understand.

[A]

You'll understand. How would I ever understand?

[C]

You just got to try one.

[A]

I've been on one.

[C]

No, I don't think you have.

[A]

I mean, I quickly got off it because I'm not good at it.

[C]

You didn't try hard enough.

[A]

Well, probably. I mean, what?

[C]

You didn't try hard enough.

[A]

She's broken.

[C]

My God. Imagine being able to do that with your girlfriend and go like on trip.

[A]

She does on one wheel.

[C]

But if she did, being able to do that and like we can buy and save on gas. Save on gas.

[A]

We don't live in that kind of area yet.

[C]

So I. It was a wit purchase.

[A]

Okay, so any more spending behind your back do you think happens?

[B]

Yeah, there's been several like bakery purchases and sometimes it is with like good intent in heart to bring me some food or something throughout the day. But then for me in my point of view, I am as frugal as it gets. Like aside from seven Brew, like I take those things. Like seven brew's like my thing. All right.

[C]

Okay. What about when you're like let's go to the bakery.

[B]

Yeah, whenever we have a little bit of money to spend that's leftover from past month's expenses.

[C]

But I feel that way when I go to the bakery and bring new stuff. That's what I feel like it's coming from.

[B]

But like so what's the difference?

[C]

A lot more but what's the difference.

[A]

Guys, you spent 400 hours going out to eat. Mostly bullshit. Could be video games, could be Magic the Gathering. You guys look like Magic the Gathering type of people.

[B]

Not anymore. House fire took it all.

[A]

There we go. Okay, good. I'm kidding. That sucks. Miscellaneous bullshit though. $1,342.

[C]

Our grocery chips trips are like.

[A]

No, they're not miscellaneous bullshit.

[C]

Walmart.

[A]

No, that's unknown. Usually that's 1,120. This is confirmed bullshit. And then confirmed going out to eat that. It's $1742 and confirmed bullshit. With your guys income that's coming in, especially now that you have a higher income. You did it before. You're spending 40%. 40% on bullshit and you want to move the relationship along. Good luck. No, you want bullshit. You want instant gratification. You want to around. You want to hide shit behind each other's back and you want to not be able to communicate and you want to cuck him.

[C]

I don't cuck him and I don't want to cuck him. Don't be so attic like you make everything be horrible.

[A]

40%, would you say 40%'s not okay?

[C]

It was a more you tit it. It was a. You're a tit first and foremost and not even a good looking one. Second of all, says the cow moo, I don't give a. I think it's cute. I can take it out whenever I want and look normal, but that doesn't affect, like anything. Okay. Here. I don't think it's that bad because that last month.

[A]

40% last month.

[C]

Oh, my God, shut up.

[A]

What is so special about last month? Every month is special.

[C]

It was his birthday and so we spent more on going out to eat and stuff. Because birthday, you.

[A]

You're trying to get to marriage.

[C]

I'm just saying it was not a typical spending month for us. We spent more because we were going out with friends, family and all that for birthday.

[A]

It's a disgusting joke. And by the way, there is unique things every single. You're going to have a birthday month, there's going to be a Christmas month, there's going to be a holiday month, there's going to be. There's always something special. There's going to be an emergency month. He had surgery this year, right? There's going to be a surgery month. There are things that always happen. There is no such thing as a typical month. If you do not allow yourself to budget, if you do not have any boundaries on anything, if you do not hold yourself accountable, shut your up. You don't. You don't know what the word try is. People like you have never tried anything in their life. They just complain. Well, doesn't look like it.

[C]

Yeah, well, we weigh about the same, so.

[A]

Toute. How much do you weigh?

[C]

Like 215.

[A]

And how tall are you?

[C]

Five' ten.

[A]

Okay, one, you're an inch taller, so that weight distributes more.

[C]

That's a cone.

[A]

Two, I'm five, nine. Three, I'm 210.

[B]

Does an inch usually make a difference to you?

[C]

Well, you also don't have tits. So. Different.

[A]

Huh?

[C]

You don't have tits.

[A]

Different says who?

[C]

Are you proud of that?

[A]

Yes. I'm five nine and five pounds shorter, so five pounds less.

[C]

I bet you feel good about that.

[A]

Feeling pretty good. Feeling pretty good. Feeling pretty good.

[C]

Yeah. Have you ever tried to lose weight?

[A]

I'm down 20 pounds. What do you think trying to lose weight is?

[C]

I'm proud of you, but you should try harder. 20 pounds is crazy.

[A]

@ least the first noise out of my mouth isn't moo when I wake.

[C]

Up. It's.

[B]

Not. Inches and pounds don't affect our finances.

[A]

Though. Well, they do. And she eats like a.

[C]

Pig. I.

[B]

Don'T. She.

[C]

Can'T. Protein shakes are.

[B]

Expensive. She can't actually eat like a pig.

[C]

Anymore. I literally can't, like, eat like a pig. You're quiet. Do you have anything else to.

[A]

Say? Just observing you. I'm just letting you go. Just like him. He lets you run in circles until you get tired. Kind of like a.

[C]

Pig. Well, you should try running in circles. Maybe. You lose more than £20. That's.

[A]

Crazy. Are we. Are we hating weight.

[C]

Loss? Just hating that you're not trying harder. You say I don't know how to.

[A]

Try. Well, you don't know how to try. Look at.

[C]

You. I do know how to try. At the right.

[A]

Thing. Maybe only one thing. You can look at everything. I've tried to try. I've tried to grow a business. Oh, success. Tried to grow a top 10 channel on YouTube. Oh, I did. Success. I'm tried to lose weight. Oh, I.

[C]

Did.

[A]

Success. I'm in.

[C]

College. I'm in.

[A]

College. Yeah, you look like a permanent college.

[C]

Student. No, I just started because I didn't want to waste money on student loans when I didn't know what to.

[A]

Do. Go to college during the day. Protest tonight. Cancel People on TikTok on the weekend. We know.

[C]

You. No, you don't. If I were to read a book by its.

[A]

Cover. Yours also. You know. How much? What did you do? That was the most middle school thing I've ever heard in my life. Well, is that what they teach in Kansas or wherever you're.

[C]

From? No, that's just how I feel. You're.

[A]

Judgy. Yes. When there's a. In front of me, of course. Have you heard me judge him? Not that much. No, not that much in 49 minutes. Because he's not.

[C]

Horrendous. Do anything crazy with his.

[B]

Appearance.

[A]

Or. Come on. He looks like he is trapped in a gaming.

[C]

Dungeon. No, he.

[A]

Doesn'T. But since.

[C]

He. He's beautiful. I love.

[A]

Him. But since he is not being a piece of shit. I'm not going.

[C]

On. I'm not being a piece of.

[A]

Shit.

[C]

Ah. I'm not being a piece of.

[A]

Shit. You know what's more expensive than holiday travel? Your phone bill. And if you're still paying hundreds of bucks a month just to text your mom I landed, then we need to talk. This holiday season, give yourself the gift of not getting ripped off. Helium Mobile is flipping the script on phone plans. You can literally start at zero dollars a month with their zero plan. No contract, no credit check, no hidden fees, just real reliable service. It's perfect for light users, travelers, or that second sim you pretend you don't need but totally do. You got Kids, Helium Mobile's got sprout, a $5 a month plan designed just for them so if they forget their lunch or their brain, at least they can call you. And the best part? Helium mobile combines nationwide 5G with a community powered network. Keeps the cost stupid low, like free level low. Plus you can earn rewards called cloud points to spend on places like Amazon and Apple just by using your phone. So ditch the holiday surcharge and get connected for less or nothing at all. Download Helium mobile [e-mail] let's get back to the episode. All right, let's be real. My morning routine used to be chaos. I'd wake up, drink a coffee, and immediately drive into a financial nightmare. But now I actually start my day with something that sets me up to not feel like a gremlin. AG1. AG1 is the daily health drink that combines your multivitamin, pre and probiotics, superfoods and antioxidants all into one green scoop. Which means instead of juggling five different bottles, I can just mix it up and boom. Daily nutrition Handled Routines fall apart this time of year with all the holidays and travel, but AG1 helps me stay consistent. It is quick, it tastes good, and keeps my energy supported, digestion smooth and my wallet closed on unnecessary supplements. It has been so great for my immune health and would be great for yours as well. AG1 has their best offer ever. If you had to drink ag1.com Caleb, you'll get the welcome kit, a morning person hat, a bottle of vitamin D3 plus K2 and AG1 flavor sampler. And you'll get to try their new sleep supplement, AGZ for free, which has been a game changer for my nightly routine. That's drinkag1.com Caleb for $126 in free gifts for new subscribers. Let's get back to the.

[C]

Episode. Don't.

[A]

Even. Come on.

[C]

Dude. He's.

[A]

So. He fertilizes his plants with.

[C]

You. He fertilizes something and you're gonna talk about your little dungeon play or whatever you.

[A]

Do.

[C]

What? Oh, degenerate. That's what you.

[A]

Said? Yeah, I'm a little degenerate. We love a gooner degenerate. What the are we talking.

[C]

About? It's that, but in a different.

[A]

Way. You know how hard she tries. She tries so hard she got banned from.

[B]

Klarna. I didn't heard about.

[A]

That. Oh, this is a real try.

[C]

Hard. That was a long time.

[A]

Ago. Okay, you're banned from.

[C]

Klarna. Um, I'm only banned until I pay it.

[A]

Off. Dude, you're banned from Klarna. That's insane. If that's even a status associated with someone that's.

[C]

Insane. That's not banned. It's just, hey, pay this and then you can use it.

[B]

Again. I found out about the Klarna thing when she got the onewheel. Cause I asked her if she could just use the financing option, the future motion the company uses and she was like, I'm banned from.

[C]

Klarna. I didn't say banned. I just said I can't use it. I'm not banned. I'm not.

[A]

Banned. I need you to talk in circles. Please keep.

[C]

Going. It's not a.

[A]

Circle. Uh huh. No, the weight loss is good. Where were you? Where'd you.

[C]

Start?

[A]

360. That's pretty big. Well, big loss and really big to.

[C]

Start.

[A]

Yeah. Did you meet her at that level? Oh, that's.

[C]

Good. Yeah.

[A]

Right? Yeah, yeah, yeah.

[B]

Yeah. I'm better at the like and I do.

[C]

Try. Okay. I can build good.

[A]

Habits. What is this? Not I changed my whole life.

[C]

Ozempic.

[A]

No. What? That's not a bad thing if you do. It's a.

[C]

Tool. No, no, I had.

[A]

Gastroparesis. Ah, okay. Well, another.

[C]

Tool. But yeah, but tools aren't bad tools. Before that I still like, I changed my whole diet, my.

[A]

Whole. Tools don't necessarily change behav. That's the thing. Because many people, a lot of the gastro surgeries, you know, the vast majority, eventually rebound is the thing. Because it's a tool that can help you get somewhere. Just like consolidation can help your bankruptcy can help here. But it doesn't change the behavior. It means you could end up being a fat.

[C]

Again. Well, even though I did change my behavior a year prior to that, I didn't find out until. Cause I did like a weight management or pro weight loss program to change like my whole lifestyle to see if I could lose it myself. And then they did like tests and they saw that my stomach actually didn't work. I had gastroparesis. Like my food wouldn't move. So then they had to take off the part that wasn't.

[A]

Working. What do you guys think your Hammer financial score is as a household? 0 to 10, 0 being the worst, 10 being the best. Where do we think we are.

[B]

Guys? Ladies.

[C]

First. No, you.

[A]

First. Wow.

[C]

Okay. Cause he's.

[A]

Wrong. Okay. Yes. You definitely seem like the person that is right. He was closer to the debt.

[C]

Number. I've been in therapy for eight years. I'm probably.

[A]

Right. You're in enablement therapy. I can tell. Again, we know people like you. You are the worst among our civilization. You are an enablement therapy. You're not having a therapy therapist that actually helps.

[B]

You. You ask for a score out of.

[A]

10. Yeah. 0 to 10. 0 being the worst, 10 being the.

[B]

Best. 3 or.

[C]

4?

[A]

7. Oh, she's. Oh she's.

[C]

So. Could be.

[A]

Homeless. We're.

[C]

Not. That doesn't mean my.

[A]

Retirement. She's so dumb. She's so. She is so stupid. What is wrong? Why are you doing. What is happening? What is wrong with you? Oh.

[C]

How. Oh. Are you done having a little dramatic.

[A]

Attack? It's a dramatic attack of. Just look at you. How can you even say a 7? 7 would never come close to being on the show. What the wrong with.

[C]

You?

[A]

Nothing. What? Yeah, your therapy is. Your therapy is not working because you have no self reflection. It's working objectively not. If you want your hammer financial score, get it@caleb hammer.com. see where you stand in the world of finances where you need to improve, where you're already doing well. What you need to do to improve. It's just free. Just takes a few minutes. So check it out. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise budgeting app. It is the app that powers the show changes tens of thousands of people's lives out there who are subscribed to it. You can take the free trial new features launch every single month. See if you like it. And if you do, sign up for the annual version because that saves you a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to you. Can I check that out? Dollarwise app. I don't want to tempt you with more food.

[C]

Now. I lost weight. I didn't up at.

[A]

That. You did one thing. I'm very proud of you. Most of us accomplished much.

[C]

More. At least I go to therapy. A lot of people don't even.

[A]

Try. Yeah, but you're going to enablement therapy. I'm not listen to how you.

[C]

Speak. I used to. I used to think like I couldn't even work full time job because my anxiety was so bad. But look at me now. I'm a full time student and a full time employee getting more than 40 hours a week at some points.

[A]

So. Oh, she's doing what everyone else does in college. I'm really proud of her. You should like really pattern some.

[C]

People don't do any of.

[A]

That. You're right. Okay. You're slightly better than the worst among us, but you're pretty much there. Okay. Ispc. What's this? Whose is.

[C]

It? Technically not mine, but I'm the co.

[A]

Signer. Oh, so it's on.

[B]

Yours. So you're a co.

[A]

Sign. You have to pay for it or does the X. Is this the water now?

[C]

Now? Yeah. He wasn't paying for it for many.

[A]

Months. So your credit. Yeah, There you go. 1, 2, 3, 4, 5. In fact, this year so far. Which your.

[C]

Credit? Well, it was the first place, so.

[A]

$12,442. How.

[C]

Much? It was.

[A]

Originally. You got a water system, right? How much was that? 6,000. What the did you.

[C]

Get? It was like the water system that softens your water, and then it was also like a reverse osmosis.

[A]

Girl. You make $2,400 a month doing. And that is high for you. You were making less. Again, this is what you're attaching yourself to. Look at that line. That's wild. I've never seen anything like that. What are you doing? Are you just down here all the time? You're just like. You're gooning at that computer all.

[C]

Day. He's always looking.

[A]

Dirt. You have an incredible line right.

[B]

Here. Do that.

[A]

Again. I'm not gonna do anything you.

[B]

Say. That's.

[C]

Right. He's just in the dirt all the.

[A]

Time. Respect up. I respect them. If you would like to repot that later, we would appreciate it. It needs a bigger pot. It needs a bigger pot. We just don't have.

[B]

One. I'm up for.

[A]

Her.

[B]

Huh? I'm up for.

[A]

Hire. You're up for.

[B]

Her.

[A]

Higher.

[C]

Higher. Yeah, a.

[B]

Job. Take care of your.

[C]

Plans. You'll be your prank.

[A]

Guy. So this is brutally expensive. What's the interest rate on.

[C]

This? I don't.

[A]

Know. It was 119 days.

[C]

Late. Mm, I don't know. I literally don't.

[A]

Know. Wait, it's above. It went up so much. It's.

[C]

113. I messaged him. That little puss boy. I messaged him, and I was like, what.

[A]

The. This.

[C]

Beast? I literally was like, hey, you need to figure out how to get my freaking name off of that, because it's not mine, and I don't live.

[A]

There. You co signed. It's not up to him to get the name.

[B]

Off. Here's the deal. Okay, here's the deal. No ring on the finger. That's gonna kill the credit. My.

[A]

Credit. Well, it wouldn't. A ring on the finger wouldn't kill your.

[B]

Credit. But all the other.

[A]

Debts. No. What it could do is if you guys ever get assets together, depending on the laws in Missouri, right? Kansas, Arkansas. Yeah. This is one of those. Yeah. You guys live where Boogie lives. That's.

[C]

Right. I don't even know who that.

[A]

Is. Well, look outside. Trust me, you'll see.

[C]

Him. I'm not gonna lie. I really don't know how. Like, I don't know how it would. A marriage. I really don't. I.

[A]

Don'T. No, no. Okay. Yeah. If there are assets owned and you die, you would have to settle your debts oftentimes to get access to the.

[C]

Assets. I don't plan on dying, so I think we're.

[A]

Fine. Well, believe it or not, that's not usually how that works. Why can't you follow.

[B]

Instructions? I.

[C]

Did. He has adhd. He has.

[A]

Worked. I swear. This show obviously attracts the worst of the.

[C]

Worst. No, there's been way worse. Okay? I'm not making all the excuses under the.

[A]

Sun. You even reminded him in the green room to mute his phone. Colton saying, why would you. Can I have some advice? You say don't put a ring finger on it until all this is taken care of. Right. May I just advise not to put a finger on that.

[C]

Ring. A finger on the.

[A]

Ring. A ring on that finger. May I just advise.

[B]

That nothing's happening until things get.

[A]

Fixed. May I just suggest that nothing.

[B]

Happened? You can.

[C]

Suggest. Your opinions are not that valid. I don't feel.

[A]

Like. Not that.

[C]

Valid. No. They don't really.

[A]

Matter. Then why are you.

[C]

Here? Like, opinions on our.

[A]

Relationship? Well, that's. He's everything right now is your.

[B]

Relationship. We're here to get help. Big bag of sh. With your name on.

[C]

It. Don't shush me.

[B]

Interesting. So the water.

[A]

System. What. What's going to happen on the car ride home now? No cooking for him tonight.

[C]

Pussies. We're going to go to BUC.

[A]

EE's. Of course you are. You're going to blow a bunch of money on Bucky's. That's great. What's the minimum payment on here? That.

[C]

Usually. I think it was like a hundred, and I want to say 150.

[A]

Maybe. So 150. I'm not going to mark it down as a minimum of the payment you have to make. Now. Why was he late and why did he.

[C]

Restart? We split up and he wasn't making payments on the thing. I don't know. I'm gonna be.

[A]

Honest. What if he stops.

[C]

Again? I don't know. I'm not paying It. I don't live there. I don't live there. It's not my.

[A]

House. It doesn't matter. It's your creditor. Affects everything you do in the future, debt wise. I don't.

[C]

Know. He. He quit paying it and I don't know why. He was like depressed or something. I got him into therapy and we ended up splitting up. And like the last three to four months of our relationship, or if you could call it that, I was living out of my car until I got into my next apartment. So because I didn't want to be around.

[A]

Him. This means literally nothing. You're not getting a sob story. And I don't give a.

[C]

Fuck. I don't know.

[A]

Why. It doesn't. It doesn't matter. What if he stops again, was the.

[C]

Question. I'm not paying it. That's not my water.

[A]

System. It literally is, actually.

[C]

Legally. Well, I can't go get it. I can't just go take it out of the.

[A]

House. You.

[C]

Owe. I'm not paying that. It's not.

[A]

Wrong. Very.

[C]

Mature. I don't want to pay.

[A]

You. This is again, what you are selecting this mature creature. This very mature creature in front of me is what you're selecting to make all of life choices with in the.

[B]

Future. She's not all of that. She's not her past.

[A]

Mistakes. What? No, she is saying right now she will not pay for it. A debt that she would owe on. That's not her past, that's her.

[C]

Future. Well, I can cross that bridge when I get.

[A]

There. Well, you're literally saying you would not do it now. And I don't know if the bridge could hold.

[C]

You. You're one to talk. We're like a five pound difference. Calm.

[A]

Down. Yeah, with one inch as.

[C]

Well. You could use a couple more, I'm.

[A]

Sure. One inch is huge. Right, my guy? Right.

[C]

Right. That's.

[B]

Unfortunate. It's.

[A]

Average. We love an average king. Why do you owe money to your grandma? That's not.

[C]

Average. I got into an apartment that I thought I could afford and I.

[A]

Couldn'T. She can't do anything. She can't do anything. 8,000 bucks, by the way, is a lot of money. It's a lot of money. How much did you not afford? That's crazy. 8,000 isn't a month.

[C]

Rent. I was like piling up, like.

[A]

How many months of rent weren't you paying? Why weren't you paying.

[C]

Rent? I was paying.

[A]

Rent. It was like a.

[C]

Struggle. There was like. I was falling behind because it was so.

[A]

Expensive. How much? Because 8,000 is.

[C]

Crazy. Okay, so there was a lot of things like this.

[A]

Apartment. Oh, you bailed in your lease. Well, that's why. Why'd you.

[C]

Bail? Because I couldn't afford to live there.

[A]

Anymore. What Was your.

[C]

Rent?

[A]

1400. Could you possibly even set up for that if you were making even less than you make now? 1400? You. That's.

[C]

Insanity. That was for a one bedroom.

[A]

Okay? Which is like crazy. I agree. You're stupid for signing up for.

[C]

What was the only place that had that. It was the only place that would approve me with a low like deposit. Well then I didn't have a lot of.

[A]

Money. Then why are you okay with up your credit even more in the future? Because that's gonna limit your opportunities. Just like that did. And then you.

[C]

Got. What's gonna limit my.

[A]

Opportunities? Oh my gosh. Your credit score getting worse. If this dude doesn't pay and then you don't.

[C]

Pay. Like I said, I'll cross that bridge when I get there.

[A]

Okay? You're obsessed with this bridge. You already told me you would not.

[C]

Pay. I don't want to pay. And as of right now, I wouldn't.

[A]

Pay. Well, there you go. That obviously your credit fucked you with this apartment. Then you got into a bad apartment you couldn't even afford, which I don't even know why you sign it.

[C]

In the end, but it had a little yard and I needed a yard for my.

[A]

Pets.

[C]

No.

[A]

Yes.

[C]

No.

[A]

Yes.

[C]

No.

[A]

Yes. I've raised dog in an apartment. Two. Two apartments. One condo. One apartment. No yard. Go for.

[C]

Walks. One of them is terrified of going on walks. I literally have tried to desensitize him. He's just a freaking crackhead. I don't know, like putting a harness on him, he freaks.

[A]

Out. Oh my gosh. Then you obviously should not have gotten that dog. Cause you can't afford to take care of.

[C]

It. I.

[A]

Can. No, no. Objectively, no. Okay. Is there an agreed upon minimum to payment with grammar or how does this.

[C]

Work? No, it's.

[B]

Like. Well, yeah, we set it in our.

[A]

Budget. Budget? You spent 500 more than you made last month. What.

[C]

Budget? The one we tried to stick.

[B]

To. Once a year starts 2026, we have it set up to put away.

[A]

150Amonth.

[C]

Okay. They want us to put it into like a savings account instead of paying it back. And then once we have.

[A]

It. I hate how they do that. It's such an enablement. Piece of shit mentality. I get they're doing it out of a place of Love, but it's not good. You should pay them back. Okay. What? Is this okay to someone's dad? 4,275. Why? Well, 675 for moving, 1,400 for dental.

[C]

Work. Okay.

[A]

Wait. 2,200 for one.

[C]

Wheel. That's now 1900 you owe on this onewheel. Yeah, I'm paying the payments right.

[A]

Now. What a joke. What a joke to your father. You borrowed money from your father for the onewheel. What a.

[C]

Joke. He just financed for me and I pay the.

[A]

Payments. What. What's your minimum.

[C]

Depayment?

[A]

280. And then are you gonna roll that 280 into the rest of those debts from the dental and.

[C]

Moving? That's the plan.

[A]

Yes. Oh, you are a.

[C]

Beast. Well, I'm getting extra pay right now, so I was actually getting.

[A]

Early. Why would he do that for you? Cause it's so enabling. Such bad decision making. Why would he even do.

[C]

That? Because he saw how much fun I was.

[A]

Having. I'm calling him the post.

[C]

Show. No, you're.

[A]

Not. Yes. No. Yeah. No. Oh.

[C]

Yes.

[A]

No. Why?

[C]

Why? I don't think he'll answer the.

[A]

Phone. Well, we'll double text him right now, say, expect a call in 30 minutes. I don't call him. We need to stop this enablement. Text.

[C]

Him. He.

[A]

Won'T. There it is. I'm sure he's disappointed.

[C]

In. He is not disappointed. I'm paying.

[A]

It. Huh. Get the debt yourself then, B. I'm paying.

[C]

It. Though if I wasn't, that's a different story. I'm not having him pay for.

[A]

It. Listen, you guys don't know how to budget. You're. You're not a part of budget. I'll put you guys through. Master your money. It's our. It's our program that goes through Mastering your debt, mastering your budgeting, mastering your investing, mastering your real estate, mastering your job opportunities. So we'll put you through that whole program. And that also comes with the premium version of the Dollar wise budgeting app. You guys get that forever. Check that out and join the community.

[B]

There. Thank.

[A]

You. All that, Caleb. Hammer.com. obviously. But yeah, I also get you guys the fizz card because obviously you guys can't manage. I have death to save your life. Good. Thank goodness. Better be managing it.

[C]

Well.

[A]

Yeah. So you texted.

[C]

Him?

[A]

Yeah.

[C]

Good. We'll see what he.

[A]

Says. Good. Now you're.

[C]

Nervous. Yeah. I love my.

[A]

Dad. Well, good. And I want him to love you too, but not by enabling you. This doesn't change the love. This. We need to get you on a better place and have your relationship not be.

[C]

Abused. I don't think it's.

[A]

Abused. Yes, you do. You.

[C]

Do.

[A]

You. You abuse it. Yes, you do. Not intentionally, in like a manipulative, bad way, but you are doing.

[C]

It. No, I'm.

[A]

Not. She's not willing to take any piece of feedback, by the way. Like, I wasn't even gooning on her that time, and she's not even willing to.

[C]

Accept. I'm not taking advantage of that. If he doesn't agree with it, he tells.

[A]

Me. No, no, he's. He's think he's doing it out of love. He loves his daughter. All right, let's keep going. What? Sis? Okay, a list of collections. What the am I looking at? The am I looking at? Okay. Capital one in collections. You don't even know how much. World Finance Loan.

[C]

Huh? That's my legal.

[A]

Name. Oh, I don't know why that was in there. Then something. Fine. A World Finance Loan. What the. Is this open in 2024 and that already went in collections. It was for you and your.

[C]

Ex. Okay. Yeah. So he. When we were together, he went through like, he tried to do this.

[A]

Debt relief thing, which can be good depending. But you have to change your behavior as you go through.

[C]

It. To stop paying my.

[A]

Debt? Yeah. For negotiation.

[C]

Settings. It went to.

[A]

Collections. Yep. But you have to go through the debt relief.

[C]

Program. But they never told me that they weren't paying on mine. They added mine, but then they said they weren't paying on mine because he had them remove.

[A]

It post breakup. Yeah, well.

[C]

Yeah. And they hadn't.

[A]

Settled. Well, that would be weird. That it would be a part of his debt relief program and.

[C]

Process. Well, that's what I thought, but they said they would add it on and just for us to have one payment. And so then it was already in collections. I was like, what do I do.

[B]

Now? How much do you have in.

[A]

Collections? That's a great question, because I'm not. No, you don't have numbers on here. This is a Google Doc where you're just like, you know, Wakefield and Associates? Is that.

[C]

Legal? How much is it originally.

[A]

Pampered?

[C]

Medical? Yeah, it was radiology. I don't know what for.

[A]

Though.

[C]

What? It was a medical thing. I don't know what it was for.

[A]

Though. How do you not.

[C]

Know? Because I did. I don't know. I go to the doctor a lot, so I don't remember what it was.

[A]

For. Was she testing her TARD.

[B]

Levels? Can you call and like, be like, hey, what is this.

[C]

For? It's already in collections. Does it matter.

[A]

Now? Well, yeah, it's credit. And none of these are old? None of these are that old. They're gonna take forever to fall off. Credit Bureau Systems.

[C]

Seven. 2024. Is that from.

[A]

2024?

[C]

Yeah. The.

[A]

Medical. Yes.

[C]

Yes. I thought Wakefield was from before.

[A]

That. No, mid armor accounts 387. Are these in collections or are these.

[C]

Loans?

[A]

Loans. Okay. So what the is this? So I pet.

[C]

Lands. I got a dog. I shouldn't have.

[A]

Gone. Oh my goodness. No, you shouldn't. You can't afford a dog to save your life. $8,059 on this where the credit limit is 700. That or 7,000. You owe 8,000 where the credit limit is.

[C]

7,000. I didn't pay on.

[A]

It. Yeah. No. What's the minimum payment.

[C]

Tit? I don't know. They closed.

[A]

It. Oh, it's so it's gonna go to collections. You're okay with that? You're just gonna let it sit.

[C]

There? It's already.

[A]

There. You're not. You're. She's not gonna do it. You again. This. This. Look at this behavior. Look at her mindset. She doesn't give a and she.

[C]

Still borrows her mom to go give.

[A]

A go to the tea place every.

[C]

Day and you borrow mom place every.

[A]

Day and you borrow from mom for it instead of actually taking care of your dad.

[C]

Ever. I'm working on.

[A]

It. No, you not work.

[C]

Harder. You work.

[B]

Harder. I.

[A]

Do. Does he work harder than.

[C]

You? Not on his seven brew.

[B]

Habits. As of.

[C]

Lately. How frequent is lately? This past month we have in this past month than in a while. I feel like so that's not.

[A]

True. You made your dad co sign on that loan and you didn't pay it. You're a horrible.

[C]

Person. Worked back.

[A]

Then. That's your second time. How did you not.

[C]

Learn? That was my first.

[A]

Time. Then. Then your second. You. Then you couldn't make the excuse for the other one when you call sign on the.

[C]

Water.

[A]

No. Why? They would never tell you. Why can't.

[C]

You? I.

[A]

Didn'T. No. Why do you have no ability for any. Any.

[C]

Ability? I thought it was just for approval, not.

[A]

Responsibility. You can't do anything unless someone's sits you down and holds your hand. You're incapable of doing anything. So far that's what your excuses have been, that you can't do.

[C]

Anything. No, I can do.

[A]

Things.

[C]

No. Unless someone sits down resources or.

[A]

To know where to.

[C]

Look. Just.

[A]

Google. Are you actually.

[C]

Stupid? I didn't know where to.

[A]

Look? Google. Everything is Google. Oh, you are. What is wrong with you? She. Your kid will die in her.

[C]

Hands. That's.

[A]

False. No, she can't do anything. She'll be like, I don't know how to breastfeed. I'm going to give up and that's it. She won't look it up. She won't ask anyone. She's just done. If she can't figure it out, she would.

[C]

Just. My mom's a nurse, so like I know what to.

[A]

Do. Gosh. So again, without someone holding your hand, you wouldn't be able to do.

[C]

It? Yes, I.

[A]

Would. You are so.

[C]

Broken. You wouldn't.

[A]

Either. Yes, I look things up. You idiot. You idiot. I learn things all the.

[C]

Time. And I don't know if you started getting financially.

[A]

Illiterate. You.

[C]

Idiot. You are an idiot piece of dick sometimes, but. But not always. I just don't feel like. I feel like I'm not that.

[A]

Bad. Oh, shut the.

[C]

Up. Better than I did before. Not opening any other.

[A]

Things. You know what I'm doing right now? You know what I'm doing right now?

[C]

Huh? You know.

[A]

Googling. You know what I'm doing right.

[C]

Now?

[A]

Googling. No, this is even better. You know what I'm. You know what I'm doing? I am uber eating myself an expensive lunch because it's in the budget because I can't afford it because I didn't have got my life late 20s like you.

[C]

Are. Well, you're gonna your 20 pound weight.

[A]

Loss. So it's a salad.

[C]

You. Well, depends on what's in the.

[A]

Salad. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in 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. And we proved this accidentally via a blind taste test. Hammer Elite show Fat and fatter. The number one ranked energy drink is Gamer Subs. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code.

[C]

Caleb. Chicken, fried or.

[A]

Grilled?

[C]

Grilled. Good for you. Proud of.

[A]

You. A light dressing.

[C]

Mushrooms. That sounds.

[A]

Good. Don't pretend like you graze like your breed. It doesn't sound that.

[C]

Good. I love vegetables. My favorite snack is vegetables. Ask.

[A]

Him. Ah, yes. A classic snack. Vegetables it.

[C]

Is.

[A]

Cucumbers. That's my.

[C]

Favorite.

[A]

Celery. There we go. Those are actual.

[C]

Things. They're so.

[A]

Good. And does he hold you a carrot out like this for you.

[C]

To. No. And your mating call doesn't work at me. Work on me. So don't.

[A]

Wait. Meeting call. Yeah, I'll do it.

[C]

Again. No, fits you.

[A]

Better. Please repeat what she just did like 10 times in a row. Okay, we have an auto loan. So you. Your dad. Well done. That usually happens in.

[C]

Arkansas. Please. Disgusting. It's.

[A]

Arkansas. I'm not the one in.

[C]

Arkansas. Dude, he's in.

[A]

Oklahoma. I've driven.

[C]

Through. Calm.

[A]

Down. Okay. We have an auto.

[C]

Loan. It's.

[A]

Closed. So this is what you consider paid off as you.

[C]

Just. No, no, no. I have a paid off.

[A]

Vehicle. So what is.

[C]

This? That was like the first car I ever financed on my.

[A]

Own. Why is it. Why do you.

[C]

Owe. Because it got.

[A]

Totaled. So it's also on your collection. So all this is.

[C]

Collections? Yeah, all.

[A]

That. You are a disaster. So you had a car.

[C]

Repoed?

[A]

No. What.

[C]

Happened? It got totaled. The first one. I got two from that place. The first one my ex at the time or my ex now. But my past relationship, he totaled it and so I got another one. And then I got t boned by a city truck. Broke my collarbone and it totaled the car. And I didn't have women.

[A]

Driving. Am I.

[C]

Right? That wasn't my fault. I'm the one who drove through.

[A]

Dallas. Shut the up. You're taking it so seriously. Oh, you drove through.

[C]

Dallas. That's a big feat. Okay, that was scary. That's a big feat. A big like.

[A]

Achievement. Is she. I have to ask this again. I just. I road trip to Dallas a few times these past couple. These past couple weeks. And it was honestly one of the easiest drives I've ever done in my.

[C]

Life. It was awful last night. It was really.

[B]

Bad. I will say we almost got hit twice by people.

[A]

Do. People.

[C]

Don'T. They don't use blinkers. They cut you off.

[A]

Crazy. It's not difficult.

[B]

Though. Yes. Defensive.

[C]

Driving. Texas drivers are.

[A]

Awful. No, I mean, I. When I was in Dallas, the first moment I went to Dallas, the second time a couple weeks ago, the moment I got downtown, there were two individual moments separated by two minutes where someone was going the wrong way down a one way. It was very confusing, but it's not difficult. I just said, I'm not gonna crash into.

[C]

You. No, but other people were, like, about to crash into me, and I had nowhere to go. There were walls on the.

[A]

Sides. No. I feel like you're.

[C]

Just. No, it for real. It was.

[B]

Bad. She hates that I'm a defensive.

[C]

Driver. He's not a defensive driver. He's a scared.

[A]

Driver. Were you driving or did he.

[B]

Drive?

[C]

She. I was.

[B]

Driving. She drove.

[A]

But. Okay. Progress. Serve one. Progress.

[C]

Serve. How much is.

[A]

It? 275. This one has a monthly payment, so it's.

[C]

Open. Oh.

[A]

That'S. Oh, this was just open in.

[C]

August. No, no, no. It's a. No, but I'm saying it' building thing that I had through my, like, pay.

[A]

Portal. Why are you doing credit? Building. It's like you are literally everything else.

[C]

Though. There's no point trying to build credit. I'm trying to do better.

[A]

Things. Yeah. You won't take care of any.

[C]

Collections. I.

[A]

Don'T. Nor would you pay the water bills. Oh, my gosh. Are you. She is actually a child. If she doesn't know how it works, she gives up. She will not do any kind of semblance of learning. She will not put in any.

[C]

Effort. I'm literally in college, so.

[A]

You. No, that is being handheld again. You're not willing to go out there and learn yourself. You're in class by someone else being teaching.

[C]

You. They don't teach me. It's online. I have to do.

[A]

It. Yeah, you have a curriculum there. Again, you are not. If there is a struggle, you will not figure out how to do it unless you are not in a pampered situation where someone is holding your hand. What? What are you talking about? I don't know. 100. Deal with collections. I don't know what.

[C]

A. You don't mean anything illiterate outside.

[A]

Of that, I'm sure, but this part of finances is literally so easy, it takes five seconds.

[C]

Online. I didn't know what collection. I thought when it was in collections. It's in collections, and it's just staying there until it falls.

[A]

Off. She is a broken individual. I don't know how you're going to deal with.

[C]

This. He glued me back.

[A]

Together.

[C]

No. Yes, he.

[A]

Did. Do you hear how you're talking?

[C]

No.

[A]

Yes. Okay, good.

[B]

One. So you didn't know what collections.

[C]

Was? Do you know what collections is? Explain it to.

[B]

Me. It's when you stop.

[C]

Paying. No, but then what do you do with.

[B]

It? You pay.

[C]

It. But then your credit's already. So like does it even.

[A]

Matter? Yes. Collections getting off your credit dramatically improves your.

[C]

Credit. Well, I didn't know.

[B]

That. You just.

[A]

Yeah. You don't pay anything. Cause you're not willing to do.

[C]

Anything. Yes, I.

[A]

Am. No. I mean just. No. Simply no, you can't say that. That is impossible. Now, as far as I understand it via this note that was just typed to me, the colleges you're going to was being paid for by your last company before you got laid off. How the are you going to do college.

[C]

Now? I'm going to a resource center that will pay for individuals to get a four year degree based on if they accept.

[A]

You.

[C]

Right. No, it's a diagnosis, this.

[A]

Thing. Okay, and what are you going to be diagnosed.

[C]

With? Ptsd. So like they pay for.

[A]

It. Okay, so it's something that like it's a rehabilitation actually.

[C]

Analyze.

[A]

No. I mean yeah, but you could tell them.

[C]

Anything. No, but you have to have a provider that you've seen for an extended amount of.

[A]

Time.

[C]

Okay. Oh, maybe, but I could have.

[A]

Utilized. Sure, but they still have to accept it. And will they pay for the whole.

[C]

Thing? The only thing I'm not sure about is because the school I'm going to is technically out of state, so I might have to switch to a local.

[A]

One. What the. I'm sure they have a limited amount of resources and a massive amount of applicants, so I don't know why you would be the magical.

[C]

One. They have a pretty good program. I mean, I'm sure they have a good program. I got approved for it before, but I didn't know what I wanted to.

[A]

Do. Every program has a limited number of resources.

[C]

Though. Yeah, it's like basically they'll pay for something that will get you into a.

[A]

Career. So that might be a certification out. Listen, I'll get.

[C]

You. It's like a four.

[A]

Year. I'll get you a certification through course careers. Many people in the audience have used it and they've improved their incomes, got new jobs, got great careers. So I'll get you one of those. I'll get you both one of those. Because you both are pretty low income, especially you lower. But yeah, for the area. It Might be okay, but whatever. Listen, with that last, the credit building, you owe 275, and you have a 25 minimum payment. This is more collections. 11,000 for something. Emergency bariatric. Oh, that.

[C]

Was. That was my stomach.

[A]

Surgery. Okay, well, you. Oh, that. Is that in collections? Yeah, 11, 000 in collections. I don't know how you're gonna deal with that. Hey, you got a lot of done to.

[C]

You. Yeah, well, I had.

[A]

Issues. Well, yeah, Emergency's emergency. I'm not. I'm not criticizing for that. Okay. Synchrony. Whose is.

[C]

This? Is that the Care credit? Yeah, that's.

[B]

Carecredit.

[C]

Yes, that's technically him, but it was for my.

[A]

Lasik. Yeah, but it's on his.

[C]

Credit. Yeah, but we pay more than the minimum every month. The minimum right now is like 109. But we pay like.

[A]

150. No, the minimum is 109. And you paid 115 last month.

[C]

But before.

[A]

That, you pay 115 in. That 115, by the way, was late, so it didn't even matter because he had a $30 fee added. Fuck. You don't know anything. You don't know anything because it's.

[C]

On.

[A]

Ach. Hey, by the way, this takes 20 years to pay off, and that's if you actually pay it on.

[C]

Time. So that's with the.

[A]

Minimum. Yeah, which is what you basically do. And you did it. It doesn't even matter anyway. Cause. Just shut the up. When you pay slightly. Couple more dollars in the minimum. It didn't matter because you had a $30 fee because you pay it late. So I don't want to. What was this for.

[C]

Again?

[A]

Lasik. You didn't have to get.

[C]

Lasik. I was paying a lot in glasses because I.

[A]

Can'T. You didn't have to get Lasik. He now owes 34. Okay. $3339. You had to get Lasik. I get glass glasses. I get.

[C]

Glasses. Yeah, I.

[A]

Know. How much.

[C]

Glasses? With the helmet. With the full face helmet.

[A]

On. Hard to.

[C]

Do. What board sports. Like sports with a full face helmet. When you have glasses and then you break up so much.

[A]

Money. Okay, yeah, you get a cheap pair and I can't even remember, but you get a very cheap pair. Very cheap pair meant just for the sports activities. Come on, I've been through this. Not specifically board sports, but. Come on. Come.

[C]

On. It was worth.

[A]

It. No, this is a cope. You are coping. You're making excuses. You wanted this. That's.

[C]

It. But it.

[A]

Was. And he had to put it on his credit. You've used.

[C]

Him. I did not use.

[A]

Him.

[C]

Yes. Actually, no, I didn't use.

[A]

Him. Literally, yes, it's there. What do you.

[C]

Mean? I didn't do that without his permission or anything. This was something we talked.

[A]

About. It doesn't have to be against his permission to use.

[B]

Him. I didn't have any credit history at the time. I kept my credit history, Guy.

[A]

So. Oh.

[B]

Guy. I started.

[A]

Peeing. You're being used in this relationship so far. No, he's not.

[C]

Yes. No. Don't project onto me just cause Project. My girlfriend can't make as much money as.

[A]

You. What are you talking about? This is a document. This is a document, but I'm not using.

[C]

Him. That was something we talked.

[B]

About. It was something we talked.

[A]

About. I know you talked about it, but you used his credit credit, not him. Yeah. Oh, my gosh. She's a mess. She's a mess. What am I looking at.

[C]

Here? It was a credit card I.

[A]

Had. Was in.

[C]

Collections. No, but it's not. I don't know. It just says that the balance is due in full, but it also doesn't say closed and there's no.

[A]

Statements. Well, it'll go to collections soon, but we'll put it down. What is the credit card.

[C]

Called? First.

[A]

Premiere. You're a fucking mess. Okay. Empire Finance Loan. Yeah. You sent us the worst screenshot we've ever seen in the history of the show. So we don't know how to figure it.

[C]

Out. What.

[A]

The. Going on with this because you're incapable of anything. She can't even figure out how to take good.

[C]

Screenshots. She took a screenshot. It was a.

[A]

Statement. So she can't even look up how to do.

[C]

It. What I downloaded from.

[A]

Them.

[C]

Huh? It.

[A]

Was. Tell me what's going on. Empire.

[C]

Financial. It's. I almost had it paid off, but when I got laid off, I renewed it.

[B]

Because. You renewed.

[A]

It? It's a draw loan. You can draw it over and.

[C]

Over.

[B]

Yeah. Like renewed the whole.

[C]

Thing? Well.

[A]

Yeah. How much is ode on.

[C]

It? It's like.

[A]

$700. And what's the.

[B]

Minimum? Oh, my God, like.

[A]

111. You're killing this, man. What do you think about all this so far? Because we have a lot to go through still. This is a mess. Wait, turn to the side.

[C]

Again. No, I think I look great. You're gonna bully me and then I have to bully you.

[A]

Back. But you can't. There we go. There it.

[C]

Is. I don't have meth mouth. I had an underbite. You.

[A]

Idiot.

[C]

Whoa. Why are we throwing the.

[A]

Wrong. Why are we throwing the wrong.

[C]

Words like you throw around the.

[A]

Word? This is a finance show, ladies and gentlemen. We keep it clean.

[C]

Here. Yeah, okay. You just lifted and showed your nipple like, earlier. That's not clean. I don't know the last time.

[A]

You took a shower this morning. I take a shower every morning. But also, we're not talking about ancient history.

[C]

Lady. I don't have.

[A]

Meth. Women always obsessed with the past in.

[C]

Conversations. That's such a misogynistic thing of you to.

[A]

Say. It was also just a joke, but I know people like you can't handle those. So what am I looking at here? Hospital. Hospital. Hospital. I'm sure you require a lot.

[C]

Of diagnosis what hospital that.

[A]

Is. Well, you sent me screenshot. Okay, you sent the screenshots. Let's see if you can.

[C]

Read. Oh, that's because.

[A]

Of. Oh, college taught her how to.

[C]

Read. Because I do treatments at the hospital for.

[A]

Depression. Okay. Is that a.

[C]

Debt? No, it's.

[A]

Not. Why do I see a balance of.

[C]

$3,395? It's co.

[A]

Pays. Well, it says balance, so this is stacking up.

[C]

Balances.

[A]

Yeah. Won't they maybe not see you eventually if you don't ever.

[C]

Pay?

[A]

No. Yeah, maybe. How do you.

[C]

Know? Because I haven't paid in a long.

[A]

Time. I know, but there's probably a limit. 3395. She doesn't pay anything, by the way.

[C]

She's. They never asked me for.

[A]

My. Attach yourself to her.

[C]

You're. They never asked me for my. And I don't get physical bills from them.

[A]

So. Oh, she does ketamine. And now I understand what's going.

[C]

On. It's.

[A]

Bravado. Now I understand. You are full. Dude, how close to the hole are you?

[C]

You. It's bravado. What. What hole? Apparently you can't find the right one ever, so tell me which one you're talking.

[A]

Now. I can now. I can.

[B]

Now. Sometimes I like Google search with a Google.

[A]

Search. Yeah, I. I learned. And sometimes I like to pretend like I'm lost and I. Whoa, wrong one. I'm kidding. That's a joke. That's a very. Some. Some weird hit piece youtuber out there is going to see that and think that I'm actually talking.

[C]

About. It's bravado and it's very helpful. It got me out of a really dark place. So I. I get.

[A]

It. You love the K.

[C]

Hole. But they also don't. They. They don't tell me what the Co pays are because they don't always know what insurance is going to.

[A]

Pay. What's this? World.

[C]

Finance? That's.

[B]

His. I had a surgery back in.

[A]

May. What are you getting surgeries.

[B]

For? Double hernia I had for a couple.

[A]

Years. What are you getting hernias.

[C]

For? Probably.

[A]

Boards. Yeah, isn't it just one wheeling, you guys. You aren't surfing or snowboarding boards.

[B]

Do Pro1 wheel racing whenever I was.

[C]

Younger. Don't give that look just because you don't have a skill like.

[A]

That. I'm talking. Well yeah, but one, he is talking. Thank you. And two, I don't think anyone's ever heard of pro.

[C]

Onewheeling. Yeah, they have. It's on.

[B]

Tv. So.

[C]

Regardless. The sports.

[A]

Channel. Yes, the sports channel. My favorite channel to tune into for my evening.

[C]

News. It's on.

[B]

ESPN. You don't watch TV do.

[A]

You? Sports. I.

[C]

Do. It's on ESPN. Look it.

[A]

Up. ESPN.com. eSPN plus.

[B]

Probably. But okay, well you got a.

[A]

Balance of $728 with a minimum to be able to 104. I'm sorry you got hurt but.

[B]

After the surgery we.

[A]

Just.

[B]

The FMLA wasn't covering our bills so had to take.

[A]

Out. This must be you then. You got a 13% interest.

[C]

Rate. They tried to give us a 25.

[A]

First. Yeah, well probably deserve it but.

[C]

Down there and then we're gonna refinance.

[A]

By stretching the term.

[C]

Probably. No, no. They kept calling me and asking like. Cause we sat dealership for like over an hour discussing the vehicle and we ended up leaving because I was like if you can't get the payment under 500 and you can't get the interest rate round.

[A]

Payment. They stretched the.

[C]

Term. No they didn't. We.

[A]

Left. There's no.

[C]

Way. And they kept calling us for weeks and weeks and weeks and eventually they were like okay, if we just run it under him we can get the interest rate down to this and the payment under.

[B]

Five. I was able to trade in his vehicle, my car which was not minimally.

[A]

Payment. 470 is insane for you guys Income. Guys, what's this car worth? You owe $23,316. What do you think it's worth?

[C]

Worth? I would say probably.

[A]

2119. Yeah. Private sale. So trading probably.

[C]

1615. I mean it's not.

[A]

Horrible. No, but you are under. So we can't really do any kind of fun flexibility here. We kind of could honestly. One, one thing I might do is if it's worth 19 you could private sale it. Borrow the difference and then get a ten thousand dollar car. Then you'll have like a thirteen, fourteen thousand dollars car debt to take care of instead of 23. That could help us. Your minutes payment would be about the same. But this is too much car for your guys's income. Especially with all your debt. It's. It's not even. Not even close. Too much.

[C]

Car. I've made worse car decisions, so I.

[A]

Can'T. What you've done. Why do I give a. Why do you make this all about you? I'm talking about his car. You're such an obnoxious creature. How do you deal with.

[C]

This? I can't really speak on that because I've made worse.

[A]

Mist. Congratulations. Then don't speak. Try that for the first time in your.

[C]

Life. Have.

[A]

You? Yes, but not when I'm on my.

[C]

Podcast. Proud of you. You want a gold.

[A]

Star? Yeah. That's what I seek is her.

[B]

Approval. But once I had more credit history built up, I was going to refinance for a lower.

[A]

Payment. Dude, I don't know. I might sell it. Borrow three to pay it off, then get a $10,000 car on a $10,000 loan. At least that way you owe 13, 000 bucks. Minimum payment will be about the same. Interest rate about the same. That's something I might do. Might consider that. Because I mean it's rough and you're going to be paying it off forever. This term has to be substantial. What is it, like 72 months? 84, whatever. Something like that. Nobody knows. Okay, that's.

[C]

Great. I think it was.

[B]

72. 72.

[A]

Yeah. That's horrendous. Should be no more than 32 or else it's unaffordable for you. That means you can't afford it. And you certainly can't afford this. Not even close. And it's already going underwater. One pay. What's this? Credit builder. Another credit.

[C]

Builder? Yeah, that was the credit builder that we already saw.

[A]

Yeah. Yeah, it's just in and out, in and out, in and out, in and out. Oh wait, no, not the restaurant. I mean transferring. But then also we do get in here. You go and you get some. What are you getting some for? What are we getting? What are we getting in some? I don't know, 6.15 from Walmart. What are we.

[C]

Getting? I don't know. I cook at home a.

[A]

Lot. I know it ain't carrots. What are we.

[C]

Doing? No, really. It could have been like a bag of.

[A]

Potatoes. No, no, no, no, no, no, no. Probably potato chips because you went in and you actually got something from Walmart that was likely groceries. But at the same time you also got something for $6.15. So you had like a second little purchase. What are we.

[C]

Getting? I don't.

[A]

Know. Bullshit. I don't.

[C]

Know. It could have. I'm trying to think. I don't.

[A]

Know. Cuban's.

[C]

Lingerie. It's where I get my shaving.

[A]

Cream. Seven brew. Tic Tac Shop case. No more. Seven. Bruce. Seven brews. Illegal. Make our coffee at home. Listen, if it requires. You are gonna let me talk for a second. Creature. Yeah, that's your beastly noises. We know. We don't need any more proof that you were hatched from an egg. We don't. Okay? We really don't. You're making your coffee at home. We can invest in some good beans. And it will still be cheaper if you guys are energy drink people or Gatorade people like hydration drinks. You are getting gamer subs. You are making this for 35 cents a.

[B]

Serving. Seven is good.

[C]

As. Here's the.

[A]

Thing. Hey.

[C]

You'Re. I don't give a. I bought an espresso machine. A shitty little nespresso.

[A]

Machine. I'm doing my pitch. I'm doing my pitch. Quiet now. Quiet now, lady. Here you go. Free samples. Do you guys like energy.

[C]

Drinks? I.

[A]

Do. Okay, There you go. You make your energy drinks at home now for 40 cents a serving. Get your free samples. Link in the Description below. Gamersupps.gg. type in code Hammer to get that Caleb. And then get whatever flavor you want. 35 cents a serving. Gamer subs. It's very good. There's also a hydration drink version. If you're not a caffeine person, check it.

[C]

Out. I have a espresso.

[A]

Machine.

[C]

Okay. It's a little one. It's just like the little Mr.

[A]

Coffee. You got an Xbox purchase in here in this checking account. Checking account. Wait, hold.

[B]

On.

[A]

What? Yeah, we have Xbox. Five below. Sushi. Guess who? Five below. Bullshit. Bullshit. Going and getting some bullshit. Bullshit, bullshit, bullshit. Seven brew. Seven brew. Bakery Bowling Boba. It's just you guys spent so much.

[C]

Of the bowling. Was a.

[A]

Family. Shut the. I don't give a. Coffee, coffee. Seven brews. Coffee brew. Seven brews. Endless McDonald's, Cox. Walmart. Bullshit, bullshit, bullshit. Bullshit. Cockscop funded Schwendy's, Wendy's, Taco.

[C]

Bell. Well, you want an explanation? I'm giving you.

[A]

One. I don't want to hear you for the rest of my.

[C]

Life. It was for Internet when we.

[A]

Moved. Quiet Boar's Nest. More Seven Brew. Bullshit. Bullshit. Venmo. Victoria's Secret. TikTok Shop.

[C]

No. Yes. I did mine ripped in the.

[A]

Middle. No, I just don't want to hear about your Teddy Tits. State.

[C]

Beauty. It's.

[A]

Clothing. Tits. Tropical Smoothie. Victoria's Secret. Seven Brew Prestige. Man. Bullshit. Doordash Bakery.

[B]

Doordash.

[A]

Doordash. Doordash. Spring.

[C]

Oaks. Maybe we've done.

[A]

Well. Oh, that was Haz Cellular. Raising Canes. Bor's Nest. Spring oaks. Tropical smoothie. 401K. The one we bragged about. That we're so proud.

[C]

Of. I.

[A]

Am. Okay. Seven thousand bucks. Yeah. Okay. Actually, for your income. No, it's halfway decent at your.

[C]

Age. And I'm transferring that into a Roth IRA rolling over. Yeah.

[A]

That disaster. Let's see if we can budget this. Okay, well, still brutal. It's about fourth of your income, even though most of your debts don't even have minimum payments. And who knows, if you have to add that 150 for the water system if you get by your ex. 11 oh. 4.22. What is your.

[C]

Rent? It's like 475.

[A]

Each. We're combining as a household, aren't.

[C]

We? So we also have.

[A]

A. Okay. 950. Okay. So 950. Okay. Gas, electric, utilities, Internet, all that. How much for you.

[C]

Two? Well, I'm not sure because we.

[A]

Just. Oh, my.

[C]

Gosh. It's because we just moved and so all the deposits are still for.

[A]

Like. Just.

[C]

Guess. Probably. Like, I would say that the electric will probably be 200 split between three.

[A]

Yeah. Okay. Internet.

[C]

Gas. Internet's 120. Split between.

[A]

Three. Gas, is there. Gas, is there no.

[C]

Gas? Probably like.

[A]

50Amonth. Yeah. Good, good, good. Split between three. Okay. So for you guys, 247. Phone.

[B]

Bills. Oh, God, I hate this.

[A]

Part. Well, let's. Give me a number, perhaps would be nice. Would like.

[B]

That. So my phone bill is.

[A]

60. Good. In yours? How about let's get it out because I'm.

[C]

Hungry? Like.

[A]

360. Not even gonna ask. They're just. 420. Blaze it up gas. Vroom, vroom. Drive.

[B]

Drive. Maybe 60amonth for.

[C]

Me. It's. I would say probably about the.

[A]

Same. 120. Car.

[C]

Insurances. Mine's.

[B]

165. Mine's 110. 120. Say.

[A]

120. 285. Necessary food. 600. Use the budget Friendly cookbook. Use the meal plan that is included in the budget class in the Master your money series. TP fun. Anything else you guys need to survive. 150. Should be good medical health here. Other CO pays. I go, yes, you do have co pays. You're stacking up. What's our co pays on a monthly basis? Come.

[C]

On. I think it's like 35 per therapy. So that's like 70amonth for that. And then this bravado is like, I pay for the medication and that's. I want to say it's like.

[A]

40Amonth. 110. Is there a.

[C]

Gym?

[A]

Yes. How.

[C]

Much? Like 28. It's for the.

[A]

Subscriptions. Let's try 40 pets. Do they have pet.

[C]

Insurance? So they don't right now. I didn't know if I should get ages in.

[A]

Health. Ages in.

[C]

Health. One of them is.

[A]

14. Okay.

[C]

Nope. The other one seven. Health.

[A]

Good. Okay, I'll do that. 50 bucks. Pet food. How.

[C]

Much? Well, I have another.

[A]

One. How much or what? Age and health. I have age and.

[C]

Health. He's like two or.

[A]

Three. And health good. Okay. 100 pet.

[C]

Food. That's not the only.

[A]

One. Why did you. Why aren't you just giving me how many pets? Ages in health? Please.

[C]

Please. Nine. Good.

[A]

Okay. Probably not, but maybe.

[C]

Three. Good. And the other one's a lizard.

[A]

So I don't know if you need to do no. 150 pet food. How.

[C]

Much? Probably like a.

[A]

Hundred. Okay. Anything else that needs to be in your budget that I have not taken into account, please, now or.

[B]

Never. I don't really.

[A]

Know. I mean, it's obviously pretty much.

[C]

Over. Set aside the money for my.

[A]

Side. There's no way you don't have.

[C]

To put him into.

[A]

Savings. No. Good luck. But let's find out. I'll see if there's anything I.

[B]

Would like to say.

[A]

But. Huh.

[C]

Huh. He wants to.

[A]

Save. The answer to I want to save is, oh, maybe $4,304.22. Listen, probably no savings yet, but let's see. You have an extra around to 400 bucks a month because you bring in a little extra with the pet sitting, you're going to ramp that up the best you can. You might pick up a second job, by the way, because $400 a month is pretty, Pretty brutal on all this because at $82,569.92 that we're going to. Minus the 12,442. Actually, hold on. I want to get rid of collections as well. Okay, let's see. Okay, Dad. 4275. Grandma. $8,040,000 of debt to pay off. So it still takes eight years bankruptcy would be better. But that isn't clear. Family that does. It doesn't fix your car situation. So the reality is you need to go bring an extra 400amonth. You need to go bring an extra 400amonth. Okay. So with that extra,200, just about of the 40,000. Here we go. Pays it off in two and a half years. So those are the minimum dollars that have to be coming in really to make any progress on this. Bankruptcy is not going to really solve much. It might be able to do a consolidation maybe or debt thing. But again that doesn't take. Your major debts are the ones and that aren't going to be forgiven in any of these unless you get rid of your car and your family dies. So. And we don't want any of that to happen. Okay. I would do the car trade in thing. That maybe brings us down to two years instead of two and a half. That helps. Then after that six month emergency fund. And then we need to catch up on retirement for the household. You're doing okay for yourself. But once we do the combined household we're dramatically behind. So we need to really start catching up on your.

[C]

End. What's your.

[A]

Retirement? Nothing as far as I.

[C]

See. That's not.

[A]

True. Oh well, why I don't see.

[B]

It. Roth and how.

[A]

Much? Well, Roth IRA I'm assuming. But how much are in.

[B]

Both? I have.

[C]

7K.

[A]

Okay. As of last and then.

[B]

401K. Believe that's about 5,000.

[A]

Now. Okay, good. Well, we still need to contribute about 20 to keep us on track for retirement. So maybe I'd get a one month emergency fund. Now you need to go work, work, work, work, work or get better jobs, take the course, career certifications, maybe colleges. On pause for a second, I don't know. But we're doing that doing the car trade and then we're grinding this out and we're paying it off in two years. Call it three years to get a fully funded emergency fund as well. Then you guys are living a great life. And you're not even 30 yet, so it's not bad. And you'll be 29. That's not bad. That's a good life. That's a good future. You have to go bring in more money right now and you have to follow the budget. Use the Dollar wise budgeting app. Go through the master your money series. That's the plan. And think about the car trade in situation, not trade in but sell and borrow the difference. Okay. Hammer Financial Score spending in a budget. Well, you ever spent 0 out of 10. Debt, there's collection. 0 to 10. Emergency fund, there's nothing. 0 out of 10. Retirement. This is the one thing we have going for us. So you are at 10 and five.

[C]

Right? Right, seven and.

[B]

Five.

[A]

Yeah. Seven and five and then you're at what, like seven? Okay. 19,000 bucks for your income level are usually. What are we at? Like, 65,000. $60,000 before taxes. Half of the way. We'll double in seven years. Yeah, I mean, we're about. I'd say a four out of ten. Real estate zero. Ten. So Q, seven out of ten. You're a one out of ten. Click that Join button. Join us for the Hammer Financial Auto post show or the Kill. So whatever, you know, it's. It's a fun extra 20 minutes of every single episode. Join Hammer Elites 3 premium shows posted every single day, Monday through Friday. Make sure to get your financial score. Caleb.com. see you in the post.

[B]

Show. Are the children done talking.

[A]

About. Who are you talking to, y'?

[C]

All? If you would have gone up, like, two more levels, we would have had financial audits first. Fist fight. To be fair, he doesn't say a lot normally.

[A]

Anyway. Like, is it that he doesn't say a lot, or do you not let him get a.

[C]

Word? No.

[A]

He. Does she cucks him. Does she cucks him in four days? Thank you. You're here because you don't have a spine to say it to her. Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a.