I Tried Saving Their Relationship, But She's A B*tch | Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: I Tried Saving Their Relationship, But She's A B*tch
Date: June 16, 2025

---

Episode Overview

This episode of Financial Audit sees host Caleb Hammer diving into the messy, financially-fraught relationship of Violet (21) and Max (25), exes from Tampa, Florida. The episode is equal parts financial breakdown and raw relationship therapy, with the trio trying to determine if Violet and Max should rekindle their relationship—while exposing their questionable money habits, old resentments, and messy credit card statements along the way. Caleb probes, jokes, and presses both guests to be honest about their finances and feelings, resulting in a volatile, candid (often hilarious) exploration of love, debt, and dysfunction.

---

Key Discussion Points & Insights

1. Relationship Dynamics & Reason for Breakup

• Violet and Max are recent exes, brought back together for the podcast and potentially in real life.
• Reason for Breaking Up:
  • “Our living situation was bad. I was making nothing.” – Max [07:20]
  • Major catalyst: financial inequality, living with Max’s dad, and fighting over who was the breadwinner.
• Both admit to considering getting back together, but are split:
  • “You seem more split, you seem more in favor and we’re considering it.” – Caleb [12:17]

2. Employment, Income, and Career Frustrations

• Violet: Leasing agent, $22/hr + commission, just started, $3,000/month pre-commission.
  • “I make more than you.” – Violet to Max [01:18]
• Max: Two jobs: warehouse selector ($18/hr, ~30–35 hrs/week) and remote job with mom’s company ($16/hr, flexible).
  • “That's the only job he's had in the last five years until like, a month ago.” – Violet [03:59]
  • “He has an economics degree and doesn't use it.” – Violet [04:13]

3. Financial Behaviors and Bad Habits

• Both have substantial consumer debt, minimal savings, and a history of impulse buys and justifications.
• Violet: Maxed-out credit cards, frequent overspending.
  • “$7,377.60. $7,000? You don’t know this?” – Caleb (breaking down her credit card) [43:07]
• Max: Also hefty debt; previously spent $9,000 on a real estate course he didn’t fully pursue.
  • “So the one who spent nine grand on a course he didn’t pursue.” – Violet about Max [31:17]
• Both have a pattern of buying things they “shouldn’t” afford:
  • “I definitely shouldn't have gone on the vacation.” – Violet [15:12]
  • “You creature. You have your ring on.” – Caleb (mock-shock at their frivolous spending) [65:02]

4. Debt Details & Budgeting Struggles

• Caleb pulls up statements: both are maxed on several cards, making only minimum payments, accruing 20–30% interest.
• Examples:
  • “If you only make the minimum payment, how long does it take to pay off? 19 years.” – Caleb (on Violet’s card) [43:56]
• Both struggle with tracking budgets and recognizing the magnitude of their debt, often in denial or rationalizing.
  • “Why would you not know? Why don’t you budget? ... you don’t care.” – Caleb to Violet [50:05]
• Max has received significant parental support (paid-off loans, car down payments).
  • “You’re never gonna learn your lesson though if you always have something to fall back on.” – Caleb [83:27]

5. Financial Compatibility Game

Caleb runs a series of “who’s more likely…” questions to assess compatibility:

• Who’s more likely to book a vacation they can’t afford?
  • Both: Violet [14:59], confirmed by her trips to Hawaii and the Bahamas.
• Who's more likely to criticize the other's spending?
  • Both: Each other, but for different reasons—Circle K trips (Max) vs. thrift hauls & unnecessary “stuff” (Violet) [18:12-20:45].
• Who’s more likely to hide spending from the other?
  • Max: “Yeah... but mostly food.” [34:13]
• Who’s most financially responsible?
  • Both point fingers. Financial scores are abysmal. Violet receives a 1/10; Max barely edges her out at 2/10 [96:56-97:40].

6. Communication & Conflict Styles

• Both admit to poor communication during fights, with Violet “shutting down” and Max “harping” on issues:
  • “I feel like I talked to a wall.” – Violet [23:35]
  • “You harp on things for days.” – Violet to Max [24:06]
• Conflicts over money, chores, and pets often festered and were never resolved productively.
  • “They don’t even hear each other. They talk at each other.” – Caleb [36:42]

7. Post-Breakup, Rebounds, and Emotional Baggage

• Both dated or sought attention from others, leading to jealousy and unresolved resentment.
  • Max is clearly hung up on Violet moving on quickly after their breakup:
    • “She started seeing someone within like, three weeks.” – Max [09:50]
• Both admit to still sleeping together while “on the fence” about their future.
• Violet confesses she's afraid of moving backward and losing her independence, but ultimately still envisions a future with Max—if things change.

8. Future Plans & Caleb’s Verdict

• Both have plans to slightly improve their situations (Violet moving to cheaper rent, Max having more income), but behaviors haven’t changed meaningfully.
• Caleb’s final, tongue-in-cheek verdict:
  • “Actually, yeah. Get back together. You guys are perfect for each other. You’ll pull each other down... you guys will live in shit completely forever...” [62:15]
• He gives them abysmal financial scores, chastising their lack of seriousness and follow-through.

---

Notable Quotes & Memorable Moments

• On Their Relationship Status:

  • “I texted him and said, ‘Hey, wanna go to Texas next weekend and go on this podcast with me?’” – Violet [05:35]

• On Role Reversal & Resentment:

  • “I’m just tired of feeling like the boyfriend.” – Violet [11:00]
  • “She wants me to get a job. She wants to be a stay-at-home…” – Max [11:02]

• On Debt & Denial:

  • “Why is it above the credit limit? … The real answer was because you spent. Because you’re an irresponsible child with your money.” – Caleb [45:00]

• On Parental Bailouts:

  • “Did you still have student loans?” – Violet
    “I do.” – Max
    “Your mom paid for them. Why?” – Violet
    “No, she didn’t… She gave you money to pay off your entire student loans.” – Violet [36:59–37:14]
  • “You’re never going to learn your lesson though if you always have something to fall back on.” – Caleb [83:27]

• On Financial Scores:

  • “Hammer Financial Score: not terrible. Is rounded up to a two out of ten, and you…” – Caleb [96:56]

---

Timestamps for Important Segments

| Time | Topic/Quote | | ---------- | ------------------------------------------------------------------------------------- | | 00:39 | Introductions: Violet & Max’s ages and backstory | | 01:30–03:17| Their jobs and incomes, commission discussion | | 04:13 | Max’s employment history, Violet wants him to use his economics degree | | 06:00 | Admitting they’re exes, considering reconciling | | 07:20 | Why they broke up: financial imbalance, moving issues | | 09:48 | Relationship mess post-breakup, Violet dated someone else “within three weeks” | | 14:46 | “Who’s more likely” game begins: impulsive spending, criticizing, hiding purchases | | 18:13–20:44| Teasing, laughter, and real frustration about each other’s spending | | 23:35 | Discussion on conflict navigation: shutting down vs. “harping” | | 36:06 | Who’s financially responsible? “You’re embarrassing.” | | 43:07 | Shock at the size of Violet’s credit card debt | | 50:05 | Why don’t they budget? Caleb’s exasperation | | 62:15 | Caleb’s sarcastic blessing (“Get back together. You’re perfect for each other…”) | | 78:08 | Why their relationship felt stagnant; problems with initiative and communication | | 91:13 | Violet’s expensive apartment choice after breakup | | 96:56 | Hammer Financial Score results: both are in a financial hole |

---

Tone & Language

The episode is informal, irreverent, and brutally honest. Caleb uses sarcasm, jokes, and occasional expletives to cut through defenses and expose the reality of their financial (and relational) mess. Notably, much of their banter is laced with both affection and exasperation, giving the conversation touches of both comedy and genuine therapy.

---

Summary for Non-Listeners

This episode is a whirlwind of financial self-sabotage, emotional baggage, and romantic ambiguity. If you’re looking for a masterclass in what not to do with your money—or your heart—Violet and Max give you the blueprint: minimal budgeting, maxed out credit cards, relying on parental bailouts, and poor communication. They’re at best financially codependent, at worst, well-matched anchors for each other's bad habits.

Caleb, not shy with either the math or advice, repeatedly calls out their patterns, fluctuating between therapy mode and mockery, ultimately providing a cautionary tale for young couples mixing relationships and money.

Verdict:
Should they get back together? Caleb says—half-serious, half-joking—they might as well, since no one else would be able to put up with (or understand) the depth of each other's dysfunction. But unless either changes their financial habits or communication, it’s likely they’re destined for more of the same—both in love and in debt.

---

For the juicier drama, “demonetization reasons,” and more post-show drama, Caleb teases that viewers can check out the extended Hammer Elite post-show.

Transcript

[A]

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

[B]

We don't live together.

[C]

Definitely don't live together.

[B]

Mm. Mm.

[A]

Are you sibling. What the am I talking to then?

[B]

He's actually my ex.

[A]

It's a determination of getting back together.

[B]

Maybe.

[C]

Maybe there's been some things going on.

[B]

I saw someone else.

[A]

We were financially together before.

[B]

Cause I was the breadwinner, and he wasn't like. It's embarrassing.

[A]

I should just called you embarrassing.

[B]

I'm just tired of feeling like the boyfriend.

[A]

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

[B]

Hi, my name is Violet. I'm 21 years old.

[C]

Hi, my name is Max, and I'm 25 years old. I live in Tampa, Florida, and this is Financial Audit.

[A]

I live in Tampa, Florida. Now we live in Tampa. All right.

[C]

Okay.

[A]

Well, that's. Okay, well, let's start with you, Violet. You're the one in front of me. What do you do for a living in Tampa?

[B]

Right now? I am a leasing agent. My actual.

[A]

You look like it. You look you.

[B]

And.

[A]

Yep. We step into the apartment lobby, you're there, and you're acting like we're an inconvenience, even though your only job's to show us what a demo apartment looks like.

[B]

Oh, 100%, yes.

[C]

Yeah, she shows one apartment, sends out 10 AI emails a day, and then.

[B]

My boss is proud of me, so. Yeah, I make more than you.

[C]

Oh, all right, well, let's.

[A]

Okay, well, let's speak on that.

[B]

Yeah.

[A]

What do you make?

[B]

Oh, what do I make? I make 22 an hour, plus commission.

[A]

That's more than you. Oh, plus commission. What's hitting your account on a monthly basis on average?

[B]

I just started, so I haven't gotten my first commission to.

[A]

Which is why your boss is happy with you. Cause you haven't had the chance to do things.

[B]

I know.

[A]

To be onboarded. How long have you been doing it?

[B]

I've been there for four weeks.

[A]

Okay, yeah.

[B]

That is just starting. Like, the first two weeks was two weeks.

[A]

No, it is just starting. But it's not like your boss is happy of you performing your job.

[B]

No, I promise you he is.

[A]

No, because it's four weeks. You're being onboarded.

[B]

I know, but I do more than the people who are already there. And he's like, wow, you're Amaz. And it's really the easiest job in the world.

[A]

Yeah. I mean, yeah, it is.

[B]

I know.

[A]

Okay, so what's the commission structure?

[B]

It is depending on the apartment that I lease, quote, unquote. But if it's like our bigger apartments and like our water facing apartments, it's like a 750 commission payout.

[A]

Okay.

[B]

Mm.

[A]

So on average, do people close like one a month, two a month?

[B]

I would say one a week.

[A]

A week?

[B]

A week.

[A]

Okay, so what is going to be.

[B]

Hitting our account on average on a monthly basis?

[A]

Yes.

[B]

When I start getting commission, I would.

[A]

Say hitting our account after taxes.

[B]

I would say commission. Not right now.

[A]

What are you making? What are you making before commission?

[B]

Okay, I would say like 3000.

[A]

What are you making before commission? Right now?

[B]

3000.

[A]

3000Amonth is what you're making before commission. Okay. And you're gonna get 750 a week in commission?

[B]

No, I would say maybe average 400. Because 750 is like the bigger apartments, like our penthouses.

[A]

And then I'm gonna say after taxes, probably gonna be like 1200 times your 3000. So 4200.

[B]

Yeah.

[A]

Okay. And that's her more than you situation. So what do you make the other side of this?

[C]

It's a little weird. I have two jobs. I work like 30 to 35 at one, I'm a warehouse selector and I was making $18 an hour.

[A]

That's one.

[C]

The other one, I got a at home remote job, work it whenever I want, and I make $16 hour there.

[A]

I tell everyone they can get them just for extra things on the side.

[C]

Yeah, well, mine's kind of a special one. I've worked it for like five years. I work for my mom's company.

[A]

Oh, well, that's definitely the easiest way to get it.

[B]

Exactly.

[C]

So I get off pretty.

[A]

What are you hating against it?

[B]

Well, that's the only job he's had in the last five years until like a month ago.

[A]

Oh, so the other ones.

[C]

The other ones are relatively new. Yeah.

[A]

Your job is new too.

[B]

I know, but why are you looking.

[A]

At off of bringing in extra money for the house?

[B]

Because I've been telling him he needs to leave that job for the last five years and find something better. He has an economics degree and doesn't use it.

[A]

Your account on a monthly basis.

[C]

With both combined, I think it's 600 a week from the warehouse and then probably 600 every two weeks from the remote. So 24, like 36. But the warehouse is going to go up like 32. That's 36.

[A]

Well, you said 600.

[C]

600 a week. So 2,400 then, plus 300 a week.

[A]

From the other one.

[C]

Yeah, 300 a week.

[A]

Oh, okay, cool.

[B]

Yep.

[A]

36. So, yes, I guess this half does make more.

[C]

Well, the warehouse job, I'm gonna make more at.

[B]

Yes, of course.

[C]

It's. Well, when.

[A]

I mean, is it. But you're also taking away hours from the other one, right?

[C]

No, do that. I work like, 30.

[A]

30.

[C]

I'm, like, a little nervous.

[A]

Okay. All right, well, what are we gonna round up to four?

[C]

Yeah, I would say about four.

[A]

Okay, cool. This isn't bad, though.

[B]

Yeah, it's not. It's not bad.

[A]

You guys are making the household is $8,200.

[B]

We don't live together.

[C]

Definitely don't live together.

[A]

Okay. Are we talking about moving in, like, where we're trying to get to?

[B]

No. So are you sibling.

[A]

What the am I talking to then?

[B]

So he's actually my ex. And I texted him and said, hey, wanna go to Texas next weekend and go on this podcast with me?

[A]

Why? Why am I talking to you guys then?

[C]

I don't know. We're kind of. We've been talking. Maybe we wanna get back together. Finances were hard when we were together.

[A]

Oh. It's a determination of getting back together.

[B]

Maybe.

[C]

Maybe.

[B]

Eh, maybe. We'll see.

[C]

Maybe.

[A]

So what's the question? How long have you guys been broken up?

[B]

A little over six months.

[C]

Like eight months.

[A]

And we're having talks.

[B]

Maybe. Well, we haven't had a talk yet, actually.

[C]

Yeah, she's difficult to talk to.

[B]

Okay.

[C]

Yeah.

[B]

Yes, we're considering getting back together, but. Yeah, my friends don't even know that I'm talking to him.

[A]

Really?

[B]

Yeah. They don't even know I'm here.

[C]

I didn't know. That's so crazy to me, especially with what's been going on. That's wild.

[A]

So what the f. Done? If we're considering getting back together and we're split kind of down the middle on that. We were financially together before finances were an issue.

[B]

Yeah.

[C]

Because we were talking about moving in together, and that was kind of the biggest.

[B]

The big thing.

[C]

Yeah.

[B]

Because I was the breadwinner and he wasn't.

[A]

Yeah. But now we'd be making em a sequel.

[B]

Yeah.

[C]

Yeah.

[A]

So what's the big concern then, if we're deciding whether or not we should.

[C]

There was like. I mean, there was other relationship things. It wasn't just the apartment, but that was, like, the current, like, struggle we were fighting at the time.

[B]

Yeah.

[A]

Yeah. But if we're going to determine whether or not, especially when it comes to you guys. Finances, because that's what I'm more interested in.

[B]

Yeah.

[A]

If we're. If I give my, like, seal of approval on if you guys should get back together. Like, what was so. Last time. When we broke up six months ago.

[C]

Our living situation was bad. I was making nothing. So I just started because the job that she wanted me to quit, that was the only job I had. And it was, like, the same thing. I might have been making sixteen hundred dollars a month.

[A]

Okay, so that's the one you wanted him to quit.

[B]

Yes, for five years.

[A]

Get another job. Which I get it because it's like, years. You've been to doing this since 20. Working for Mommy. Why are you still working for Mommy?

[B]

Yeah. Why?

[C]

It's like a stability thing. I was like.

[A]

Yeah, but it's stability of nothing.

[C]

Yes, I understand that. I was. I was. I was holding down basically nothing. Like, I could barely survive, and I was putting stuff on credit cards, and that's how I was surviving.

[B]

But it allowed me another job. Easy. You can work at McDonald's and make more.

[C]

Yeah.

[B]

Like, come on. And he just didn't understand that I.

[C]

Was, like, exploring other things. I. I'm kind of like a job hopper, like, trying to find out what I wanted to do. Like, I moved out of Colorado to be a snowboard instructor. That job allowed me to do it.

[B]

Yeah, but then you came back broker. Then you left.

[C]

Yeah.

[B]

No, and then you came back into the exact same thing, and nothing changed.

[C]

Okay.

[B]

And I wanted change.

[C]

All right, well, you can't act like you were making so much money either. You had a sales job, and you had one good week ever.

[B]

Okay, I was working a server job beforehand for six months, and then. Yeah, okay, let me go into sales, because if I'm. You're not gonna make money, why should I stay the breadwinner? Yeah, I mean, like, I don't know. It was just. It was a lot. It was rough, but I left.

[A]

So you broke with him?

[B]

No, technically. Technically, he broke with me, and then I left.

[C]

We were kind of going. We were going through. We were going through a rough spot. So when she got this new job. So she's talking about making all this money. She wasn't. She was working from. I was 7:00am to 10:00pm at night.

[B]

Yeah.

[C]

What? And she wasn't really making that much. She had, like, good weeks here and there, but she wasn't making that much. So there was no quality of relationships visiting here.

[A]

We stayed in a hotel.

[C]

Yeah.

[A]

Staying together.

[B]

Yeah.

[A]

So we're on the path. Why are we considering getting back together? What's the conversation? What's the thought? What's the vibe?

[C]

I think it's definitely like a possibility, but weird. Like since we broke up, there's been some things going on, some stuff that she did that I didn't like and then. I don't. Honestly, my friend, he broke it up.

[A]

What?

[B]

I saw someone else. I dated someone else.

[A]

We were on a break.

[B]

Exactly.

[C]

She started. I don't know if this is weird. We were dating for two and a half years. She started seeing someone within like three weeks.

[B]

That's suspicious.

[A]

Three weeks.

[B]

I mean, rebound.

[A]

It's not like the next day. In that case, I don't know.

[C]

It's someone that she was working with.

[A]

Someone tonight. How would you feel if he went?

[B]

I'd be fine with it.

[C]

I didn't think that's weird. I wouldn't be fine with it.

[A]

Because you're consider. I think so you're on the edge of wanting to get together again a bit more than her.

[C]

It sounds like I made it pretty obvious. Like I think we were just in a bad spot then. And I don't know if all those issues are solved or what, but I made it very obvious that I did want to get back together.

[A]

Like, are you still seeing this other person? We wouldn't be if we're considering getting back together. Okay, so what happened?

[B]

I broke up with him.

[A]

Yeah. So there's. Okay. You want to get back together. You're a little more split and you want to get back together a bit more. This is what I'm reading.

[B]

I don't want to get back together and it to be the same that it was beforehand.

[A]

I agree.

[B]

Exactly.

[A]

But I need to know exactly what was going wrong. So as we can determine going through these documents, going through your guys things, especially if finances were a big part.

[B]

Yeah. It's like I'm just tired of feeling like the boyfriend.

[A]

What the does that mean?

[B]

I don't know.

[C]

Oh, I'm the breadwinner. She wants me to get a job. She wants to be a stay at home. Yeah.

[B]

Do I?

[A]

What you want to be a trad.

[B]

No, but I don't want to be the one supporting the relationship, supporting the finances, supporting all the date night, supporting everything else that.

[C]

I mean, I guess that's kind of how it was then. But like. So when we broke up, we were looking to get a place.

[B]

Yeah.

[C]

We were staying with my dad.

[A]

When you broke up yeah, yeah.

[C]

Like, so the week, finally. This is my. Yeah, yeah.

[B]

But then we get it.

[C]

We got accepted at that place, right?

[B]

We did. And I paid for it also. So for the application and.

[C]

Yeah. So when we broke up, we were looking to get a place, but I'm like, okay, things are rough now. How smart is it to sign a lease with someone that I'm like, okay, like, this would be really bad if we broke up and we just signed this year long lease for this expensive.

[A]

House you're going to get.

[B]

Yeah, for sure, 100%.

[C]

I was like, kind of wanted to take a step back from that. But we were also living with my dad and my brother. And I was like, okay, this is like, not great either. I want to get out. But I was also kind of helping my dad out. Like I was paying him rent, but I was helping.

[A]

But you guys didn't, right? We didn't pursue this.

[B]

We didn't do it. No, we didn't.

[A]

So again with where we stand, considering getting back together. Obviously you seem, you see more split, you seem more in favor and we're considering it. But you wouldn't care if he went and slept with someone? How would you feel if she went and slept with someone tonight?

[C]

No, I would not like that. All. I'm still like, I would say maybe I'm more like, I want to get back together, but I do feel some type of way about, like, the actions. Like, because it wasn't just the guy. Like, I don't even on like New Year's Eve, she's drunk, blowing up my phone, and she's hanging out with this guy. Like, I'm like, okay, I did drunk.

[B]

Text him a couple times.

[C]

A couple times?

[B]

Yeah.

[C]

So I'm like, okay. And I don't really know what's going on. I don't really use social media. So I'm like, I only know what she tells me. Like, I'm glad you asked the question. I didn't know that she broke up with that guy. I didn't even know. But I'm also kind of a spur of the moment person. So I was like, when she invited.

[A]

Me, how long have you been single? And now considering this.

[B]

Oh, boy, I don't know. I would say, I don't know, a few weeks.

[A]

Is it like desperation going back to stability?

[B]

No, that's what I'm saying. Like, I'm not like, let's get back together next day, like tomorrow. Like, no, like, exactly. So it's like if you go, she's.

[A]

More skeptical, you're Gonna have to win it over.

[B]

Like, I just. I don't want to move backwards, unfortunately.

[A]

Would that be backwards? How does that feel?

[B]

That's what I feel like. I feel like it would be backwards. So it's like, I'm open to it, but I don't know. Like, it's scary because, like, I've built a little bit of a good life for myself.

[C]

Moving backwards, but then also inviting me on the trip, like, staying in the same hotel. I mean, I guess that feels bad. Like, I don't. Saying it's moving back.

[A]

One bed, two beds.

[C]

Slept in one bed.

[A]

Okay. Let's be honest.

[C]

I'm gonna ask.

[A]

I mean, I'm gonna ask you guys.

[B]

Yeah.

[A]

Okay.

[B]

Yeah.

[A]

So we're kind of.

[B]

So, like I said, I'm open to it. I just don't want to make it feel like I'm moving backwards.

[A]

So we're closer than we think.

[B]

Yeah.

[A]

Okay.

[B]

For sure.

[A]

I want to see how you guys are assessed.

[B]

Okay.

[A]

Well, the producers put this together because they knew how this conversation was going to go. A bit more than me. I'm going in blind with the audience, but we have a me option and a my ex option. I'm going to give you guys questions just to see how we're approaching this current state of the relationship. And I'll give my seal of approval or denial after this conversation of whether or not we should actually. You guys should actually pursue this.

[B]

Yeah.

[C]

Okay.

[A]

Okay, first question and then hold up to the camera. Who is more likely to book a vacation they cannot afford? Okay.

[C]

All the time.

[A]

Yours is upset to you all the time. All the time. This is a constant thing.

[B]

Yeah, I do.

[A]

Okay, tell me, how is this?

[C]

I took a lot of vacations since we broke up. Where have you gone? You went to Hawaii?

[B]

I went to the Bahamas. I've been like, a couple, like, weekend things, but, I mean, I couldn't necessarily afford them, but I did afford them, basically. So, like, I definitely shouldn't have gone on the vacation.

[A]

What is that?

[B]

Okay, so, like, at the job I was working at during these vacations, I.

[A]

Wasn'T, by the way. I'm being told she went to the Hawaii with a guy.

[B]

I did.

[C]

She did go to Hawaii with a guy.

[B]

Exactly.

[C]

Didn't really know about that either.

[B]

Okay. So I went to Hawaii with that guy. But I had a lot of fun.

[A]

Is it. I. Okay, this was a long time ago, but I went kind of the extended. Going back sexually with an ex a long, long time ago. And if you're the one that clearly Wants to get together a bit more that can kind of. With you. With me, back then, it took me a long time to kind of move on. And especially if she's out. I mean, no offense. I mean, other dudes. How do you feel about that, man? Cause that's. To me, just having been in that situation over a decade ago, like, it with me.

[C]

But, yeah, no, definitely wasn't fun finding out, like.

[A]

But you guys are still sleeping together.

[C]

Yeah, it's a recent, like, as of, like.

[B]

Like, two weeks ago. A week ago?

[C]

Oh, yeah.

[B]

Like, it's like a week. A week ago. A week ago? Yes, a week ago, guys.

[C]

Because when we broke up, like, soon after that, I kind of made it apparent that I wanted to, like, potentially get back together. Like, I was more thinking, like, okay, we need to take a step back. Let's not sign this lease. And maybe more of, like, a break. But then I'm like, literally three weeks after, I'm like, oh, we should go hang out. Like, she came and saw me at a soccer game. She came and saw. And I was like, okay, let's go hang out.

[A]

Oh, this is complicated.

[C]

I was like, let's go hang out. And she's like, oh, no, I don't think this is a good idea. And then I talked to my buddy. I'm like, oh, she's seeing someone already. And I find out she calls me the next day. She's like, oh, I want to talk. And then I'm like, okay, let's talk. Like, call me. And she's like, oh, I need time. Like, she's pushing the call off. And then I'm like, oh, yeah, she definitely doesn't want to do it. And then once I finally get on the phone, she's like, oh, hey, what's up? Like, all nice to me. And I'm like, okay, this is weird. I'm like, okay, just tell me one thing. Are you seeing somebody? Like, yeah. So, like, three weeks.

[A]

I went on two dates exactly before the breakup.

[C]

Two and a half years. But we've known each other a lot longer than that.

[B]

Yeah.

[C]

How?

[B]

Because there's a. I've known him for seven years, though.

[A]

How. What was the.

[B]

So my stepdad is friends with this guy. He's friends with his dad.

[A]

So I don't need more details on that. But I'm just like, when you guys were getting together, you were like, 17 age range, and you were in, like, that 23, 22. So it's like, I'm curious how that relationship was, but just asking. Yeah, okay, next Question.

[B]

Okay.

[A]

Who's more likely to criticize the other person's spending?

[C]

Oh, no.

[A]

So you both think you're more likely to criticize each other.

[B]

Okay. Are you still holding that upside down?

[A]

Why?

[B]

No. Why do you think that I don't like what he spends his money on.

[A]

Go on.

[B]

So his favorite thing in the world is Circle K. How can that be someone's favorite thing? Ask him.

[C]

I wouldn't say. I do go to Circle K a lot. Why?

[A]

It's Circle K. Okay.

[B]

Exactly, exactly.

[C]

Why don't you give it? Because I like Coke Zero. I can get a 79 cent polar pop.

[A]

You can get a cheaper Coke Zero, though, in bulk from Costco.

[B]

Yeah, you can. I don't know if he likes it fresh. You know, he likes that carbonation.

[A]

No, it's not.

[C]

It's not even fresh.

[B]

It's not even fresh.

[A]

It's literally.

[C]

Okay, go on.

[B]

And his Zen. So he. I don't know. He spends more money on that than.

[C]

He ever did on fritters. That's crazy. That's just not true.

[B]

Not like 100% true. But yeah.

[C]

She lives at thrift stores, and I do a thousand pieces of clothing that she doesn't wear and doesn't need, and they're all sitting in bins in her apartment.

[A]

She is kind of in the, like, Kamala outfit today. That is true.

[B]

Thank you.

[C]

Do not come.

[B]

But I don't know, it's like, yeah, I don't like that he spends his money on bull things, I guess.

[A]

Well, he doesn't like money. What do you spend on either? And if we're getting back together, it's.

[B]

Like, I spent my money on us, though. Like, we went on vacations. We went like, out to dinner vacations.

[C]

It wasn't like you were spending on the whole thing.

[B]

No, I wasn't. I paid for majority of all the vacation.

[C]

So this is how, like, that's what.

[B]

I would spend my money on. It wasn't Circle K and zins that you're gonna spit out every 30 minutes. Like, you know, it's different.

[C]

When we went on vacations, we kind of did it. I feel like how a more married couple would be like, shared finances where, like, okay, if she's making, like, if we total our money and she makes 60% of income and I make 40, like, that's probably how we're gonna split.

[B]

The check for a majority of the vacation.

[C]

Yes. She was paying for the majority.

[B]

I was fine with that at the time, but that's what I spent my money on. So it's like are you gonna disprove of that? Of how I spend my money?

[C]

Just the vacations. Oh, like you like constantly spend like going like it's just like shopping, not like on like store stores. But yours is bullshit stuff too. Stuff that you don't need. You know me little knickknack stuffs that like have no place in your apartment or just carried in bins. Like yeah, you have a bunch of. You have a bunch of bull. Okay, at least my stuff's getting used. I drink the polar pop every day.

[B]

Used every day.

[C]

And the apple fritter at Circle K is really good.

[B]

Oh his Doritos for breakfast and then even talking about.

[C]

So yeah, but it's because I work you guys.

[A]

It's an interesting little observation. You guys are covering like your disagreement and like kind of attack to the other person with like a laughter instead of like. Cause like you hear it and it's like a real attack. But then you're like hahaha giggle about it and you're in that weird state.

[C]

I mean maybe like I don't this like my purchase is like she's saying the Circle K. I will fight for that. Like I work in a warehouse. My job starts at 4 4:30pm and I mean it's on the way to work. I'll go get it. It's usually energy drinks to buy in bulk that.

[A]

Okay, look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you, Grandma. Why? Refi says chill out. No more sacrificing the family jewels. They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, you'd swear they were putting your firstborn on layaway. So if you're tired of monthly payments so high that you can't afford a single sweet treat, y Refi's gotcha. They'll arrange your repayment plan, ease the monthly hit, and even let your poor co signer off the hook. Mom, dad, they can finally breathe. Oh, and if you think you'll just get stuck on a call center wait list, guess what? 4.6 stars on Google says why Refi actually picks up and treats you like a real human. Which is a shocker, right? In finance, that's something as rare as me not slamming a Desk every episode. What? So if you're done fantasizing about robbing a bank, don't do that, by the way, but just check out why refi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to yrefy.com/hammer. That's why refi.com/hammer. Or call 888 y refi 78. That's triple 8 y refi 78. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till you're 90 is not the retirement plan you dreamed of. Next. Who has more of a temperature?

[C]

Okay, yeah, no, but, like, when we're.

[A]

Arguing about the finances, does that seem to come out more? Does it get toxic? These financial conversations that we have as a couple had and then might have again?

[C]

They did. And she just doesn't really have a temper, and I don't really.

[A]

Yeah, she giggles off everything you throw at her, which I get.

[B]

I shut down for sure.

[C]

Yeah.

[B]

Cause I feel like I talked to a wall.

[C]

No, she thinks that I can't lose a conversation. Like, I will refuse. And I'm combative, and I know I'm.

[B]

Like, why would I continue the conversation if he's just gonna. Until I say, okay, you're right. And then I say. And then he goes, oh, well, you know I'm not right, so why are you just gonna shut up?

[C]

And I'm like, I don't say that. I don't say that. I know I'm not right, and I'm fighting a thing. No, it's like I'm actually talking to a wall there. You just don't say anything. That was probably the biggest reason why we did break up is because you literally.

[B]

Because you keep going. You harp on things for days. Like, you'll literally. Yes, you do.

[C]

No, you are like, Lily, a wall. You just sit there and.

[B]

Yes. Cause you keep going.

[C]

Agree with. I want to get to, like, a finish line of a point. Like, okay, if we're arguing about this, I want to get to this point. And I'm like, okay, let's get the conversation.

[B]

But if I don't want to get to that point because I don't agree. You still want to get to that point.

[C]

But it's not even that point. It's not even that point. Like, that I want to get to. It's like a completion of the argument. You're just like, okay, I don't want to do this argument. And I wouldn't say I have a temper in our relationship. I probably. I raise my voice pretty loud, like, two times, and I don't want to do that. Like, I don't want to be that person, because I see people that do that, and I don't think it's right. But, I mean, maybe I should have more.

[B]

But outside of the relationship, he also has a temper with his family, with his brother, with his mom.

[A]

Mom.

[B]

Yes. They will argue like, we would go on family vacations, and you can't get through a family vacation without someone fighting.

[C]

All right, well, that's not my fault.

[B]

It is, because you are the problem most of the time. And then you get a kissing mom.

[C]

You're crazy. You're not knowing.

[B]

Yes. Because your whole. Has this other issue.

[C]

I would say this. I think my mom, she has a little. She's a little control freakish.

[B]

So does your brother, and so are.

[C]

You, like, might have passed it down a little bit. So I want control over.

[A]

Okay, so control freak. But if we're having a financial conversation with both are kind of equal halves, two and a half years. You can be talking about marriage around then. Obviously, you guys broke up, but we're considering getting back together. So it's a bit more complicated. But if we're going back into the financial conversation, I mean, give me. Give me, like, what a financial conversation looked like at that point.

[B]

I think the biggest one was when we were looking for an apartment. There were spots I liked more than he did because we have a dog. So he was like, well, I want to place the big yard.

[A]

Who got the dog?

[B]

He got the dog.

[C]

We got the dog.

[B]

He got the dog.

[C]

So when I moved back from Colorado, I'm like, okay, I want to get a dog.

[A]

No, that's. I'm asking post breakup.

[C]

Okay, okay.

[B]

Oh, it was his dog. He kept it. There was no one there.

[A]

Keep going.

[B]

He's like, well, we need a place with a big yard. Well, all the places that I liked didn't have a big yard. They had a small yard. But I was paying for the rent. So he thought he had all this say of where we had to live when I was paying the rent.

[C]

That was the only thing I asked for the entire.

[B]

I know. But it was like, no. Cause then all the other places were farther from my work, closer to yours.

[C]

Places that were like, no street lights. Like, you're not gonna walk your dog at night. Like, sketchy areas. And the yard was the size of this table.

[B]

No, it wasn't. Yes, you were. And you know that's not true. No, but again, anyways, I was paying the rent. I have the bigger say. And he was like, well, you're being selfish. Why would you say that? Because I'm paying the rent. I should have the final say of where we live.

[C]

So she just wanted the nicest place possible.

[B]

I did.

[C]

And they all came along with the smallest yard possible. And I'm like, okay, one of the biggest reasons we're moving is we have this dog and we want to.

[B]

That wasn't the main reason we were moving. That was one of them. Yes, but still.

[A]

Oh my gosh, you guys, this is crazy. I mean, and then literally they just sent me a note that is relevant to how you guys are just going about this conversation. I mean, and they're talking through your guys breakup and stuff. And when they had a conversation with you, right. You gave all the information. Like, you flat out just like called her a. In her face and it's just toxic.

[C]

I said that?

[B]

Yes, you did.

[C]

I mean, I might have said that.

[A]

And I call people all the time, but it's usually out of just like.

[B]

The show and that's how it usually is.

[A]

But like you, it was more of a like attack. I don't know who.

[C]

When I broke up with her, Nothing. She said nothing to me. When I broke up with her, it.

[A]

Was like, it was a shock.

[C]

But that's how she is in basically.

[B]

The same conversation like three months earlier. So it was like I wasn't going to do that again. So I said, okay, packed it up and left.

[A]

Who on, like who. Who was the reason for the breakup?

[C]

I initiated.

[A]

What was the reason for the breakup? Okay, yeah. So it's interesting. You're the one that broke up, but you're the one considering getting back together. You did not choose to break up and you're more on the fence.

[C]

She wanted to break up. You can't lie that we were going.

[B]

Towards you and nothing changed.

[A]

Again, having been on that side before, not on this side. Why are you still diddling up with this guy if you're not fully ready to get back together? Cause it does string him along.

[B]

Because things were good for a really long time.

[A]

Were. But now you're just.

[B]

Well, but you're.

[A]

But you're on the fence.

[B]

Yeah.

[A]

So if you don't know, why are you going back?

[B]

Because things were good. I like his family.

[A]

We're good. But you're not committing to going back. But you're still. So why are you still.

[B]

It's been a Week?

[A]

Yeah.

[B]

Okay. It was like, twice. Twice.

[C]

We are, like, we're, like, hanging out more like, seeing each other.

[A]

I'm just saying, it could really string him along.

[C]

No, she was definitely doing that while we were broken up. Like, you guys.

[A]

Were you guys doing that?

[C]

We were, like, not together throughout. No.

[A]

So either way, this. Unless he's ready to get back together, you are more on the fence.

[B]

Yeah.

[A]

Because, fine, you're 75. She's 50. But even still, unless you're swaying that way. Why?

[B]

Because I want. Like, if things are different and, like, he changes and, like, he gets his life together.

[A]

That sounds more than 50 then.

[B]

Because, like. Yes.

[A]

So you're leaning more towards getting together.

[B]

Yes, but only if things change. Because, like, I don't want before then.

[A]

Because that can mess with someone.

[B]

Okay, then we won't anymore. Like, if that's.

[A]

Well, now I'm breaking this hard.

[B]

Like, I get it, but, like, I don't know. It just happened. Like, I didn't text him. Oh, wanna tonight? No, like, it just happened.

[A]

That's usually what I do.

[B]

Exactly. So, like, no. So, like, yes. Like, I. Like, it was good for a while. I've known him for seven years. I've known his family for seven.

[A]

I know, but you're not getting back. That's. You don't. I'm not talking about where you guys have been. I'm just talking about what you might be doing to someone.

[B]

Okay.

[A]

Someone who's already there almost.

[C]

Because when we did bring up, I was like, I made it real clear that I wanted to get back together. And then at a certain point, I was like, I already asked her, like, to hang out. And then she made it, like, because she was texting me.

[A]

Have you guys broken up before? No. Okay. Who's more likely to get involved in a pyramid scheme?

[C]

No.

[A]

Okay. You both say each other. Why? You know each other's habits. But we're definitely.

[C]

I know what she'll say, but I don't know. You're like. I feel like that's something you think you would be good at. Like, I think you'll do the sales. Like, you'll try and sell, like, someone that you're good friends with will sell you on something. I can get in. You're like, oh, I know all these people. Come on.

[B]

No, I would not.

[C]

I would not do that. You're in health insurance. You're, like, one medium away from.

[B]

But it's different. Health insurance is, like, federally regulated. That's not like I'm selling Mary Kay on the side. Of the street to my hairdresser. No, like, that's different. You, on the other hand, 100. You're always. Let me buy this, let me buy that. This course. That course. Great idea.

[C]

I don't know enough to do a pyramid scheme.

[B]

It doesn't matter. You would sign up for it, though.

[A]

No.

[B]

You would.

[C]

No.

[B]

Okay, so the one who spent nine grand on a course he didn't pursue.

[A]

What?

[B]

Yeah, of course.

[C]

You know.

[A]

What is it?

[C]

You know who Pace Morby is?

[A]

No.

[C]

You don't know who that is?

[B]

No one knows who that is.

[C]

People know who that is. He was on Graham Stephan not that long ago.

[A]

On Iced Coffee Hour.

[C]

Yeah, I don't know.

[A]

For me, I mean, 9,000's pretty brutal. We sell educational programs and we have a lower refund rate than anyone else in the agency.

[B]

Let's just try and sell him. He'll buy.

[A]

In the industry, yeah, but we actually provide value, and people have proven that.

[C]

But.

[A]

But we don't do $9,000. We're like, a couple hundred bucks. So people can change their lives and still have access to it, but also, you know, you know, make.

[B]

But, hey, he's got access to a Facebook community, so it's worth it.

[C]

I was probably in a better financial point then, but that might have been.

[A]

The start of 9,000. What were you supposed to learn?

[C]

So you overtook it? No, I did. Like, I went through it. It's just more of like, well, okay.

[A]

What did it teach then? Because. Because again, we teach budgeting, paying off debt. Not like, oh, you're gonna be a multimillionaire.

[C]

That's not what it was saying, either. You own property, right?

[A]

Yeah.

[C]

Do you have traditional mortgages on them?

[A]

Some, yeah.

[C]

Do you have, like, any creative deals?

[A]

No.

[C]

You know what that is, though, right?

[A]

Actually, one. Technically one, yes.

[C]

What was it, like a seller, finance or something?

[A]

No, I don't have that.

[C]

Okay, so he teaches, like, boring.

[A]

This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win win for both of us. What do you have to do? Sign up for a SOFI High Yield Savings Account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below. And get yourself $5,320 right now. You're someone who dreams of this grand life, 9,000 hours on a course, but you don't even have close to the nest egg necessary for if.

[C]

For to get one you might need like, you could get a $500,000 house for maybe 30 grand out of pocket.

[A]

Do you have 30 grand?

[C]

No, I don't. But. So there was other stuff where you.

[A]

Do have 30 grand.

[C]

But there was other, like, ways like you can get the contract and assign it to someone else and then you would make checking.

[A]

The savings combined for you is $825. What the. Are you buying a 9,000 hour course?

[C]

Well, that was a while ago and.

[A]

It hasn't done it.

[C]

And now everything is.

[B]

I have done it, pursued it afterwards. You finished it. Oh, well, you guys. So. Yes.

[A]

Who's more likely does the hide spending for from the other person in the relationship?

[B]

Yeah.

[C]

I don't know, like on stuff.

[A]

Like you're willing to admit this, that you would be more likely. You guys are considering getting back together and you're saying you're more likely to hide spending?

[C]

It's not like big spending, but I would definitely, like, I'm not gonna hide something like that. But it would be like, oh, I don't want to tell her. I just went and bought food or something like that.

[A]

Why wouldn't you want to tell her?

[B]

Yeah, why wouldn't you want to tell me?

[C]

Honestly, it was more like. Cause like I used to have some weight on me and I have like a weird thing about weight. Like, I don't.

[A]

You look like a former fat. That is true. I seen it.

[C]

We were just.

[A]

Have you ever been to Barton?

[B]

Have you? Up Barton Springs?

[A]

I live in Austin.

[B]

Oh, well, have you been?

[A]

Yeah, it's one of our most popular destinations.

[B]

Okay, okay. Whatever. Whatever. Have you used the diving board? Ask him about his most embarrassing.

[A]

It's too cold.

[B]

Honestly. Okay, ask him about his. So you've never been inside Barn Springs?

[A]

I have. Miserably. Honestly, I. I either sunbathe or.

[B]

Yeah, that makes sense.

[A]

Look at boobs.

[C]

But yeah, fair enough.

[B]

Fair enough. But ask him about his most embarrassing story ever.

[C]

So I had a. Like a party at a friend's house.

[A]

How does that feel? If we're considering getting back together. If we're considering getting back together and he's saying he's the one that's most likely to hide. Yeah, he doesn't want to tell you. How does that feel?

[B]

I don't like that.

[C]

It's mostly Food. Because I'm like, damn. I feel like.

[A]

I know, but it's still something.

[B]

Yeah. No.

[C]

Yeah. Would never be. I know. Like, because I don't think she would.

[B]

Yeah. I'd be coming home like, look what I got at the thrift store today. Spent 100 bucks.

[C]

Like, oh, you want to see this haul? And I'm like, oh, yeah, okay. We spent.

[B]

I don't care.

[C]

$60 at the Goodwill. And we spent $60 at the Goodwill two weeks ago. Or, yeah, three days ago.

[B]

I'll show them. I don't care.

[C]

Especially because what I do is, like, I'll go get, like, a whole pizza, and I'll just eat it.

[A]

Okay. And finally, who's more financially responsible? Okay.

[B]

Yeah. Okay. There's no way you're on one. You're in more debt than I am, and then two mines within, like, the last month. Exactly. Why are you still in debt?

[C]

Okay, Like, I think in. In spurts. I think I. I feel like I'm an in spurt.

[B]

And then you get out of it. You're bl. And then you do it again, and it's absolutely ridiculous. Like, it's embarrassing.

[C]

I think you just have the more worse spending habits.

[A]

Like, mine are just called you embarrassing.

[B]

It is.

[A]

I'm just embarrassing.

[B]

You're gonna.

[A]

They don't even hear each other. They talk at each other.

[B]

Because you get bailed out of. And then you do it again.

[C]

No, I've been bailed out. Like, I've had support, but I bless the last, like, 100%. Okay. I'm sorry. My mom loves me more than yours.

[B]

I know, but, like, it's crazy because you'll just turn around and do it again, and it's just disrespectful to her. What do you mean? I'm saying.

[C]

What do you mean?

[B]

Do you still have student loans?

[C]

I do.

[B]

Okay. Your mom paid for them. Why?

[C]

No, she didn't.

[B]

She gave you money, too, But I.

[C]

Told her they weren't gonna get paid for that.

[B]

Here's money to pay off your entire student loans. Congratulations on graduating. Okay, Mom, I'm not gonna spend it on that, but thank you, bro.

[A]

What the did you do?

[B]

Exactly. Like, that's insane.

[C]

Exactly. You know what I spent it on?

[B]

Was it a Corvette?

[C]

It was a Corvette.

[B]

A Corvette.

[A]

Your mom gave you money to pay off because.

[B]

Oh, but it might get forgiven. So, like, why would I pay it off if it gets forgiven?

[A]

How'd that work?

[C]

Okay. Okay. What are my. What's my student loan for her? Is it out of sympathy no, it's not.

[B]

It's definitely his mom's very nice and like, yes, she does very well for herself. And yeah, if I had a child who graduated, I would 100% pay off his debt if I was, like, had the means to. And it's definitely really nice that she does that.

[A]

I mean, it depends on behavior.

[B]

Exactly. So it's like. But then it doesn't change.

[C]

I have two loans out right now. My student loan loan is. Let's say it's $10,000 and at 5%. And I have a car note out for 10%, which one should I pay off off?

[A]

So was it paying off a car? Yeah, it wasn't buying a car.

[C]

No, I already had the car. No, I already had the car because I saved up the money in Jacksonville. I put.

[B]

I put four money beforehand.

[C]

No, she didn't. See, that's. You don't know, because I put that money. I put that money towards the. I put that money towards the Corvette.

[B]

Based off student loans. And now he doesn't have the Corvette anymore.

[C]

She doesn't even know. I feel like that was the better financial decision.

[A]

Automatically, I choose the 10% in the depreciating asset.

[B]

But respectfully, to your mom, who gave you money specifically to buy a house. But I told her I wasn't.

[C]

I didn't lie to her. I didn't lie to you.

[A]

I wouldn't tell her. I'd have a conversation.

[B]

Well, yeah, but, like, she's.

[C]

No, I told her as soon. I told her as soon as it was smarter to do that. And I'm deferred anyways. Like, I was still.

[A]

But we don't know the context about buying the car. When you got the car, were you buying the car, expecting this money to come from mom? Where conversations happening before that. There's a lot of context that can go involved in you getting this money, then putting it towards the car instead of. Of putting towards the student loans, which she thought you were going to. And if she only wanted you to put it towards the student loans. It was her money, her gift intended for that. Then I would put it towards student loans.

[C]

Before she sent it to me, I told her I wasn't gonna do it.

[B]

Yeah, so she was still gonna do it, and she's not gonna tell it.

[A]

Did you know she was gonna do that? How long did you know she was gonna do that? Was it before you got the car? No. Was it before the car that you knew?

[C]

So it was always kind of an extra.

[A]

There you go. So you got the car because you knew the money was coming. So that is different. That is different than this is a random thing that happened and you put it towards the mathematically making sense. You instead chose to go get the car because you always knew money would be coming, that you could pay off the student loans or it with no. Oh, come on. How?

[C]

Because it was.

[A]

You're a human being. You're able to have that cognitive skill in the back of your brain, knowing that you could pay off the car. Cause his money's coming.

[C]

Okay, either way. Let's just say I did, which I'm not saying either way, which one's better? Because I would have got the car anyways.

[A]

No, no. Cause it's context. It's not a black and white thing. It is context.

[C]

Cause at the time I had the.

[A]

Internet where context is impossible. That's like most Twitter and Reddit threads. That's not how we do it. We're able to have context text here.

[C]

Yeah, but I wasn't expecting that because my, my brother, he has student loans for a trade school. His are a lot more than mine. And like we've kind of heard, like, oh, this is going to happen. But not. I didn't know, like, okay, when I graduate, she's going to pay. Like, she's going to help me out with them.

[A]

So what do you think your Hammer financial score is? 0 to 10, 0 being the worst, 10 being the best.

[B]

Since I sent in the statement. I would say one, but last year it would have been higher if we did.

[A]

So it's gotten worse.

[B]

It has. The last eight months.

[A]

Are you okay with getting someone. With someone back with someone who's gotten worse?

[B]

It's on the up and up.

[C]

But it was, it's gone. I mean, it was kind of my fault. Like she was. She's in a bad spot because of the apartment that she's in.

[A]

Just the apartment?

[B]

Yeah.

[A]

No choices. No going to Hawaii and like that. Really?

[B]

Come on.

[A]

I mean, I chose to do these all vacations. Yeah, but if our rent is more expensive than we can afford, which sucks, then you sacrifice the other things to make life work. You don't get to still just go do whatever the we want when it's mathematically not working. So. No, it's not just his fault. And I know you're trying to get your suck later, so like, don't just.

[B]

I didn't say it was just his fault.

[C]

No, I would say like when the income, the expenses are higher than the income, like, that's bad.

[A]

But then why would we be going.

[B]

To Hawaii because I bought the ticket before my income actually started going down.

[A]

You still decided to go, and it would require spending more money while you're there.

[B]

Yeah. It's not that much more, though.

[A]

But it was more. And if we don't have money, we don't do that. As simple as that.

[C]

And you.

[A]

What's your financial score?

[C]

It's probably like a two right now.

[A]

Okay. I feel it's almost better than her.

[C]

Yeah, definitely better than her.

[A]

If you guys watch your score and see where you are in the world of finances, take the assessment. Go to calebhammer.com or click the link in the description below if you don't want to be like them. Not the breaking up part or the. The randomly hooking up part or whatever. The. The financial part. Download our budgeting app and make sure you sign up for the annual version. And I will send our cookbook and notebook signed by me directly to your doorstep. And don't forget, you can come here to Austin, Texas, by going to calebhammer.com apply. We'd be happy to have you on the show. Oh, my. The longest intro in the history of the show. Cause you guys are just bickering little demons.

[B]

You made us play the game.

[A]

Yeah. To get some insight into you guys. I wasn't expecting it to take that long. Cause if the big question is whether or not we should get back together, the producers were like, well, let's see what they say about each other. And a game's a good way to do that. Freedom Flex. Whose card is this?

[B]

That one's mine. My worst one.

[A]

So her card, by the way, dude, is the $7,377.60. $7,000? You don't know this? You guys know each other's finances.

[C]

Like, she might knows mine better, but she actually.

[A]

Yeah, it's a $7,377 60. What are your thoughts?

[C]

That's insane. I did. That's really bad. That's so bad.

[B]

Okay.

[C]

That's almost as bad as my whole situation.

[B]

Okay.

[C]

Or at least my credit card situation.

[B]

Okay. It's my bad. It used to be good.

[A]

Who gives a about used to? I don't give a.

[B]

No, I know used to. Whatever.

[A]

Even if you're doing something bad in the used to, if you're doing good now, I'm not beating you for your badness for sure.

[B]

Yes.

[A]

Again. This isn't the Internet. It's not how we operate in real life.

[B]

Yeah, no, it's. It's up there. Surprise. Like I told you, it was bad.

[A]

You don't care.

[B]

I do care but like it is what it is.

[A]

How long does this take to pay off? Doing minimum payments only which she does but without purchasing anything which she's incapable of. So how long does it take to pay off?

[B]

I would say 19 years.

[A]

Well she hit it. Maybe she looked at it when she sent it in. Yeah, it's 19 years. And she pretended like she was thinking about it?

[B]

No, cuz like I know it was around. I sent three statements. I don't know which one it is.

[A]

$131 of purchases and 92 cents on a card that you're only putting the minimum to payment towards interest is accruing.

[B]

Yeah, it's over.

[A]

Maxed out by $177. You want to get back together with this creature?

[B]

How's that make you feel?

[A]

Yeah, she's above the credit limit. Yeah, okay, maybe mine.

[C]

If she's a one, I might be the three, four.

[B]

Yeah, right. Okay.

[A]

Why is it above the credit limit?

[B]

The interest hit.

[A]

No, you're purchasing.

[B]

Well that too but that is it.

[A]

That is the thing you have control of. You don't have control of the interest.

[B]

Yeah, I know.

[C]

Pay the monthly payment that like it's going to pay off the interest and a little bit.

[B]

Yes, yes I know that is true.

[A]

So why the would you say the interest then? Because that's not the answer.

[B]

That's part of the answer.

[A]

Yeah, that's some good cope giggling you got. But that's a bull answer because that is not why it's above.

[B]

I know, but you know yet what.

[A]

Did you even collect? The real answer was because you spent. Because you're an irresponsible child with your money. So I the Would you deflect with a bull answer?

[B]

I don't know, I think it speaks to something. Yeah, it does.

[A]

But you're not confronting this at all. You don't care yet.

[B]

I mean like what? I don't know what to say.

[A]

Up over this last year and you don't give a yet. You slid into a worse situation and you've hit the limit there and you don't care and you're probably not ready to change.

[B]

I am ready to change for sure I am. Cuz I got a different job. A lot of that is spending because of my last job.

[A]

What? That doesn't make sense. What was your last job that required spending?

[B]

Ok, well I was in health insurance. You had to buy your own leads and there's a lot of money that goes into your account.

[A]

Why would you put it on are you getting 30% returns on every single lead you spent? Because that's the interest that you're getting on this card that you're not paying off. When I first figured out Netflix, Amazon, Paramount plus, Canva, Apple and Storage. So.

[B]

So those are like my subscriptions.

[A]

I'm also going in, probably getting a morning after. That's actually cvs, it looks like.

[B]

No, definitely not, but no. So like, yeah, all that you just named is my subscriptions that the spending's on there.

[A]

It's subscriptions Bull.

[B]

It's not like I'm going to Target.

[A]

Lady, lady. You are choosing bull subscriptions over actually paying down the card which says you don't care and you're not ready to change. If your defense is, oh, it's just subscriptions, then obviously you're not ready because we would rather pay down the card that is accruing interest that is gonna take 19 years to pay off than have Netflix and at the same time picking up some bull from the store and Apple bills and Amazon. Pull up your Amazon for me. Listen, you lost 600 or fart. Sorry, 800. $845.37 of interest this year so far on here. Okay, you don't give a.

[B]

No, I do.

[A]

But you want to get back together with that?

[C]

I don't know. Like, that's really bad.

[A]

Seriously, when you guys get back together, we're probably, probably considering a future at that point. Okay, like, that's not a fling. A fling, sure. I don't care. Do that. But if you guys are getting back together, finances are an important part of it. And look at this. She doesn't care. She's given up. She's done. And she's just bull way out of this. Pushback money. Stress hits hard, but sometimes the damage isn't just in your bank account. It shows up in how you sleep, how you think, how you show up to your life. And that is where Sondermind comes in. They help you find licensed therapists and psychiatrists fast matched to your needs, your schedule, your preferences. There's no waiting months, no guesswork online or in person. And their app even comes with self care tools to help you in between sessions. And here's the thing. Sonomind works with most major insurance plans, so you're not trading one kind of stress for another. Plus, they're available nationwide, so you can find care wherever you live. So go to soundofmind.com caleb and get started today.

[B]

I know what's on here.

[A]

You don't know how to pull up your Amazon.

[B]

It was loading. Chill. Your WI Fi sucks.

[A]

Oh, does it?

[B]

Yeah, it's terrible. We were trying to do it earlier.

[A]

Here's five things in the cart. $190 bed frame, $243 bed swing back bed, bed 189. Oh, she's choosing one.

[B]

Yeah, I was. They're just in there because.

[A]

Hundreds of dollars. About a thousand dollars of bed frames in there ready to go.

[B]

I'm gonna get all of that.

[A]

No, but you are gonna spend about 250 bucks maybe. And look, we have a max out credit card. And you're.

[C]

Her bed frame is pretty though.

[A]

It continues to be.

[B]

And that's why I'm boring.

[A]

I don't want to just always like jerk myself off or anything about this, but the thing is, I slept on an air mattress for like six to.

[B]

Nine months when I moved here. I have slept on an airplane mattress when I moved to my apartment too. I don't give a.

[A]

You're in bad debt. I got out of bad debt and I stayed out of bad debt. You're back in bad debt. You can sacrifice.

[B]

I know.

[A]

300 pieces of heavy duty gold.

[B]

I told you it was for a wedding. But I got paid back for all that.

[A]

10 inch baby pink candles. Also for the wedding.

[B]

More.

[A]

Okay. Candles. Yes. A lot of that was for gold thing. Okay. Depower extra boost inserts.

[C]

Trying to get taller.

[B]

It was a strapless bra for my. Not the wedding dress. The bridesmaid dress.

[A]

That was the maid of honor return. For a dress.

[B]

Yes.

[A]

Liver treats. And for the dog that I now have a birthday. You got it back.

[B]

Yeah. Cause he can't take care of him.

[C]

Cause I have the two jobs. I've been working like 60 to 70 hours.

[A]

You got him a cake toy mouth guard. These aren't horrible bridal shower stuff. These are crazy. But I am nervous of you spending 250 bucks on.

[B]

I'm not gonna get it.

[C]

What about any bedroom apartment?

[A]

You better not.

[B]

I'm not. I'll sleep on my couch. Like, I'll be fine. So. No, they're not bad. And all those for the wedding. I got paid back. I just had to order them because I was in charge of decorating. So.

[A]

So we know what comes in. How much did you spend last month?

[B]

That I have no idea.

[A]

Why would you not know? Why don't you budget? What are we doing in our lives?

[B]

It's just different.

[A]

Again, you don't care. If you cared, you'd be budgeting. So how much do you think went out? Think of all your life. That happened last month. Payroll was $2,749. Won't win out. And that can be included in debt.

[B]

Probably like 45.

[A]

It was 46.

[B]

Yeah.

[C]

Holy.

[A]

She Double. You're okay with that?

[B]

No, but I wasn't doing. Just happens. Like, I don't know.

[A]

No, no, it doesn't. You do it.

[B]

I mean.

[A]

No, but you're doing the actions to do it.

[B]

I know, but, like, most of that is bills. I have big bills.

[C]

Your bills are not that high.

[B]

They are.

[C]

I want to hear mine because I think mine is going to sound a lot better than that.

[B]

That was a bad month. Like, I didn't really make a lot of money. I was in the transition of a new job. Like, yeah, my income wasn't very high that month.

[A]

You spent less than you made.

[C]

Yeah, I'm him.

[A]

But last time he was the. Yeah, the financial.

[C]

Now that I have the second job.

[A]

But now she is. And she doesn't care, and she's not willing to do anything to change it. How are we going to maintain a healthy relationship financially at least? Because now the roles are reversed.

[C]

So before it was, like, all she did was kind of work, but now she's gotten these jobs and is, like, she's getting older. So now she. She didn't really get that older. Like.

[B]

Yeah, like, I actually go out. I have a life now, whereas before I didn't.

[C]

So she didn't really have the college experience. And I think that's what she's doing now, like, going out, like, partying and things like that. So she's blowing money on that. Where I'm.

[A]

Is that where you want to be? Because again, that would be.

[B]

He's already been there.

[A]

That's the thing. Yeah, but your significant other would just be going out partying.

[C]

It's a big. Like, that's something I've thought about a lot because I don't really party. Like, I don't really drink at all.

[A]

What is your party? Where are you going, like, every night?

[B]

No, but, like, I actually go out with friends. I do things with people. Like, I go out and actually, I have a life versus sitting at home on the couch.

[A]

Well, when I hear partying, it sounds like we're going out. Raging at the bars.

[C]

She went to Orlando and got blacked out drunk and lost her purse and all of her belongings in Orlando.

[B]

I did also.

[C]

Should we talk about what happened at the wedding?

[B]

No, we don't need to. But, yes, I got. I got drunk. I got very, very drunk.

[A]

It's pretty Common?

[B]

Yes, it was open bar.

[A]

Was there a bad thing?

[B]

No.

[C]

No, I guess not.

[A]

What. What happened?

[C]

I don't really know the story, and it sounds like she doesn't want to talk about it.

[B]

I got drunk.

[C]

She gets a little, like, free and loose while she's drunk.

[A]

What? What happened?

[B]

I don't want to talk about it. Like, I made some bad decisions at the wedding, I mean. Yeah.

[A]

Or after the wedding.

[B]

Oh, no, no, after the wedding. After the wedding.

[C]

Like the reception?

[B]

Yeah.

[C]

Fly got drunk, partying, dancing.

[B]

Yeah. I don't know what you're trying to say, but, no, I don't.

[A]

You know, you're making it sound worse than it probably is.

[C]

I'm pretty sure I heard, like, I don't know, maybe hard to keep her top one in front of everyone. No, I think it was just like the bride's dad.

[B]

I flashed the groom's dad. I would never do that to. To him, but it was an accident and I was drunk and the bride wanted to change.

[A]

Who has the ink card?

[B]

Oh, he does.

[A]

Okay, what's going on with this? Because it's also maxed out. Not over this time, like her, but it is maxed out. No purchases this time, but it is maxed out.

[C]

That's part of the pace, Morbi. So it was like.

[A]

No.

[C]

So that's what I thought you wanted.

[A]

A debt for it.

[C]

Yeah, yeah.

[A]

9,000. What would he think if you put this on a card that is accruing.

[C]

Oh, man, he probably loved it. $60 cashed in on me.

[A]

But no, I. I don't know. I don't know him. I don't know him. But a lot of his. A lot of the people I've met behind the scenes in the YouTube world, I understand a screen is separating us and, like, there's a number next to our name, but most people actually have genuine positive intentions. And you just wouldn't actually think that. I don't know if he'd want you to go into debt for this.

[C]

I don't want you to go into debt.

[A]

I want people to buy our educational program. Program. Because I want. I. Because it is a business and also it's a good product and helps people. But I don't want people to go into debt for it.

[C]

This is what I will say because I can remember now. I was pretty iffy about it because it was such a big thing.

[B]

I told them not to do it.

[C]

Maybe, but multiple times. So when I did do it. So it was like three installments, basically. 3,000. 3,000. 3, thousand. And I so I paid off the other ones and I just have that three.

[A]

You're only making the minimum monthly payment for it though.

[B]

What's it at?

[A]

$2,964. Minimum payment. $86.

[C]

I will say.

[A]

It's going to take forever to pay off.

[C]

I will say. I think like, Pace Mory does have good intentions, but like the sales team, I feel like they were kind of pushy. They were like, oh, we can just get a new card, like put it on there.

[A]

Like 300 hours of interest.

[C]

Interest accrued this year. Okay. I mean, that's bad. I know. I. I mean it just stays at that. Like, I know it's bad. I'm working on the other one.

[B]

Two years. That's what I'm saying.

[A]

Like city double cash. Who's this?

[B]

Me maybe? Yeah, I think so.

[C]

Yeah, definitely. You.

[A]

You don't know what cards you have, so you don't know.

[B]

He has like nine, so I don't know if that's also his. So like. Cause he has a freedom flex too. So like I'm just making sure.

[A]

$1,561.20 on here.

[B]

Yeah.

[A]

$41 minimum depayment. Five years to pay off. Only making our minimum payments. So what's up with this card? Three fourths of the way maxed out.

[B]

Yeah. One of. Okay, so I have this one and then I have a capital one. One of them I was using to pay off school. Cause I pay off. Listen, I capture cash flowed school. So all of my semesters I would throw my credit card, but I would have it paid off by the next semester.

[A]

No, no, that's so risky though.

[B]

But I didn't.

[A]

Yeah, but look where we are.

[B]

I know, but it's just my summer semester that I never paid off.

[A]

Well, that still counts.

[B]

I know, but see, I wasn't supposed to take that summer semester. But my financial advice, academic advisor me over. So my. My classes I had to retake or like I. That I retook didn't count. And like I had to take an extra semester of school that I didn't account account for. So that went on the credit card. But everything else I paid like credit card was paid off before that semester even ended. Like month of. So yes, I was supposed to graduate in May.

[A]

When was this?

[B]

This was this past summer. So this was like July last year. Yeah. So I was supposed to graduate May, but I had to take an extra like three courses over the summer to actually finish my degree.

[C]

And it's still not paid off?

[B]

No, it's not she.

[C]

When she got out of Are we.

[A]

Going to Hawaii then this is accruing interest. It's not an interest free card. You wanted to more than actually be debt free and live a financially healthy life.

[B]

Yes, I did at the time.

[A]

And you still do because you haven't changed anything. Look at your spending. It was double what you make. Not his. I know yours, but.

[B]

Yes, but see, I cash flowed my way through college. I got it done quick. I graduated.

[A]

You, you have $1,571 cash flow that.

[B]

I wasn't even supposed to have to take.

[A]

Cash flowing. I'm. Good job. You did the most. Most of the time. Okay, the rest of the time. But you still have this regardless. And you are choosing not to pay it off because you're choosing your own pleasure and fun of life.

[B]

Yeah. Yeah.

[C]

Basically, I think she kind of screwed herself over. She worked at a. She was serving. Yeah, she made a lot more money.

[B]

I made really good money serving at.

[C]

The Hard Rock and then got out of it. And then that's how she was like.

[B]

I got a degree. Yes. I got a degree in marketing. So business and marketing. Graduated at 19 with my Bachelor's also.

[A]

So cool.

[B]

Thank you.

[A]

So look where you are. Yeah, like I celebrate people on their actual like where they are. I know you're like, woo. I'd celebrate your graduation when it happened, but look where you are. It's like I'm not looking back to celebrate.

[C]

Right.

[A]

Okay. But I'll give you a course career certification if you want something extra. Boost your boost. Boost your thing, your resume skills.

[B]

Oh, wait, he said your total debt.

[C]

Yeah, he was like, you don't have 30k.

[A]

Which guys, I will tell you. Calm down. These people, man.

[B]

I didn't ask.

[A]

I'm trying to have a quick conversation with the producer about some notes that, you know, I had here. I'm like, wait, I'm a little confused. And all of a sudden they're just watch your debt, lady.

[C]

It's looking pretty hot.

[A]

We will talk.

[B]

I mean, yeah, no, this is all.

[C]

A surprise to me.

[A]

No, two. I mean, this is bad. You don't consider this because it's not maxed out. It's 3, 4 and it's a yes.

[B]

I know it's yes. I understand that, but it's not a current interest. It's not.

[A]

It's not a current interest.

[C]

Also, it's a new.

[A]

It will in a few months.

[B]

Yes, it will, but it hasn't been. Which is why. Why I opened that card to do.

[A]

My School bank of America card.

[C]

That's probably mine.

[A]

Okay, what's going on with this one guy?

[B]

Yeah, what's going on with that one? That's your favorite card.

[C]

The balance is not as low. Right.

[A]

Lower interest is still. You still purchased on it, though. It's at $408.29. Minimum monthly payment of $35. Not bad. It is still. He's purchased it online. It's a community. If that's what your mindset is, you're to going be forever.

[C]

What did I. What did I.

[A]

Seriously? Okay, that's not a joke.

[B]

I know.

[A]

That is bad.

[B]

Okay, I get back.

[C]

Didn't I pay towards this card this month?

[A]

Yes, but then you purchase on it still, and it's accruing interest. But yes, you put more on it than the minimum. You brought your balance down, but you are still choosing the action. This is what it is, buddy. You are still. Still. Instead of paying it off and putting it towards what could be closer to zero, you decided to put an extra $120 on it. Well, interest is accruing.

[C]

I'm pretty sure I put a lot towards it.

[A]

You did, but you still, instead of putting it closer to zero, decided to purchase on it. It is the behavior of it.

[C]

I think it's mostly cause I leave my wallet and I think that card is connected.

[A]

Take your wallet, you moron. Like, what the is wrong with you? Just take your. You need your driver's license, you tit.

[C]

If I go to work, I don't always have my wallet.

[A]

You drive to work.

[C]

I drive to work, so you should.

[A]

Probably have your driver's license, you titch.

[C]

I do. I have it in the car. But like, if I go.

[A]

Why do you leave your driver's license in the car?

[C]

Because I don't need my wallet for work. It's just kind of like in the.

[A]

So weird. Why are you leaving your driver's license in your car? Put it in your wallet. Take your wallet with you.

[C]

So it's in the wallet, but then I leave the wallet in the car. And then like. So if I want an energy drink before work.

[B]

Which you do all the time.

[C]

I do like sake, but it's in the car. I use tap to pay and I don't have my debit card.

[A]

Where are you getting your energy drink?

[B]

Turco pay?

[C]

No, the. I mean, sometimes, yeah, there's probably circle.

[A]

K. Listen, and you can go back in again, get your wallet, because I have Circle K. Circle K, Circle K, Circle K. Four Circle Ks. You could have gone back in Your car now. I also see vending machine, vending machine, vending machine. Vending machine, vending. Papa John's and Popeyes. Go in the car. Get your wallet, you lazy. Vending machine, vending machine. It's because I've had late fees this year. 2.

[C]

Did I.

[A]

Two late fees this year.

[C]

I. You're gonna dig on me so hard. I can't figure out how to put. I mean, maybe we could do this. I don't know how to set up auto pay for.

[A]

I'm not gonna set up auto pay for you, you child.

[C]

I feel like bank of America is weird. You.

[A]

You.

[C]

But. Yeah, no, that's really.

[A]

What?

[C]

Oh, what is it?

[A]

Okay, maybe. Okay, okay. Maybe you shouldn't get back with him. He's incapable of taking care of himself.

[C]

You think everything else is on auto pay.

[A]

You can't call the bank.

[C]

I can call the bank, but you haven't. Because now, like, I. When was the. Does it say when the late fees were this year? It doesn't say. Like, this year.

[A]

So two months this year.

[C]

Okay. Yeah. That's pretty terrible.

[A]

We're month five. There's been two that you've missed.

[C]

It's probably January and February. Because I'm like, how.

[B]

Cause you went on vacation that week or that month also. So you did February.

[A]

Oh, my gosh. Do either. If you actually care to get out of this debt. I'm so confused.

[C]

I did go on vacation.

[B]

What?

[A]

Where'd you go?

[C]

I went on a cruise.

[A]

You know what? Actually, yeah. Get back together. You guys are perfect for each other. You'll pull each other down. You'll pull each other down. It'll be amazing. It'll be amazing. You guys will live in just completely forever. Yeah. You guys are perfect. Get back together. Good job. Boom. Is that the end of the conversation?

[B]

No.

[C]

No, I don't think so.

[B]

Yeah.

[A]

No $100 of interest accrued this year so far. This is spending. Okay. Capital One saver card.

[B]

Yeah. That one's mine.

[C]

Is it? That one's probably mine.

[B]

See, that's what I'm saying. I don't know, cuz.

[A]

Out. Basically two things.

[C]

Okay.

[B]

Yeah.

[C]

Mine's way higher than that.

[A]

No purchasing on this. Interest is accruing 50 bucks. $1,949. I said no per.

[B]

Okay. I'm just making sure.

[A]

Sorry.

[B]

Good.

[A]

I just got upset that you interrupted me saying numbers because we're trying to put them on screen as I say them. $1949.98 is the balance succeeded down on minimum payment. 13 years to pay off.

[B]

Geez.

[A]

Okay.

[B]

I didn't realize that was mid-30s.

[A]

What's going on with this card?

[B]

I honestly don't know what's on that. I think that was just kind of like.

[A]

You don't know how you got here?

[B]

No, I don't know what I put on that card. Yeah. But, like, I generally don't know what I put on this card at all. I just kind of.

[C]

She just taps swipes.

[A]

Yeah, it's maxed out. It's the only reason you're not purchasing. You probably did the month previous.

[B]

I think it's been maxed out for.

[A]

A while, which means you continue to purchase on it the moment you can. Because it wouldn't be maxed out for a long time.

[B]

Yeah.

[A]

Because your minimum payment will bring it down slowly, but will.

[B]

Yeah, I don't know what's on that at all.

[A]

200 hours of interest this year so far. It's at a 30% interest rate. And it's just. Pull out your phone again.

[C]

Yeah, we flushed, like, two grand down the toilet this year on interest.

[B]

Yeah. Yeah. I have to log in.

[C]

Hmm.

[B]

To Capital One.

[A]

No, just give me your phone.

[B]

Go for it. Yeah, that's what you wanted.

[A]

Okay. We have New York Times Games, monthly subscription, Apple Music, sideline subscription. What's that? That.

[B]

It was for work.

[C]

Was.

[A]

Well, you still.

[B]

I mean.

[A]

Oh, wait. Some of these are inactive.

[B]

Yeah.

[A]

And then photo room AI, photo editor.

[B]

I think that one was, like, a free trial.

[A]

Pull out your phone.

[B]

Okay. Thank you.

[C]

Oh, no. I don't know what I got on here. Is it just a subscription?

[B]

Yeah.

[A]

You creature. You have your ring on.

[B]

Thank you. Oh, I thought you were gonna talk about his brightness. Oh, my God. It's always so dark. And he always has, like, a night shift thing.

[C]

Yes.

[B]

I hate looking at it.

[C]

Like, I try to fall asleep at night.

[A]

It's not night.

[B]

He never turns it off. No, it's always on.

[C]

It's better if.

[A]

No, it's not on right now. But it is dark.

[B]

I turned it off.

[C]

Well, I also have a privacy screen.

[A]

Oh, my gosh. You guys are relentless. Shut the up.

[B]

It's on there.

[C]

Hmm. It's not as bad as yours.

[A]

Grindr. Grindr.

[C]

She actually makes a joke about it.

[B]

I do say that all the time. He has something like that goes off, like, every hour.

[A]

No, this is loading permanently.

[B]

I wouldn't have been shocked.

[C]

Yeah, I get a notification. I think it's like, offer up. And it's like a money D. And she's like, oh, Grindr went off again.

[B]

Yeah, he's popular on there. Festival with this new haircut.

[C]

That's crazy.

[A]

It is a bit 2000.

[C]

You don't like the blonde?

[A]

Just said It's a bit 2000. Okay. Alarm clock for me. That's a built in app though.

[B]

Alarm clocks. That's crazy.

[A]

Lens, Apple Arcade. GoPro. Crunchyroll. Shutter. Endel.

[B]

Not as bad as mine.

[A]

It's not that crazy.

[C]

No, because.

[A]

Well, a lot of them are canceled.

[C]

Yeah, most of them were like, Like, I mean, I'm kind of like. I try and finesse myself.

[A]

He has one thing in his Amazon cart. TV stand.

[C]

Oh, I'm not gonna buy that.

[A]

Well, it's in your cart. Conveniently, both of them aren't gonna buy the things that are in their cart.

[B]

It's been in there for a while.

[C]

Is it like a mount?

[A]

Gloves. He's getting a soccer ball. Dog calming shoes. Pet toys. Pet toys. Pet toys. And a tie. Cable.

[C]

Yeah, all dog stuff. And then I needed work gloves to protect my fingers.

[B]

You're gonna have his soft hands.

[C]

Yeah. My. My soft hands.

[A]

So as many of you know, I've been a big supporter of course Careers for a long time. I'm not just a partner. I actually own stock. And I'm an investor. So why did I partner with course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date self paced courses, one on one, or group coaching from people that work in the industry. And most importantly, they help you actually get hired. Just look at graduates like Nemesso who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and course careers guided him every step of the way. And what truly sets course Careers apart is that it's not Just about learning skills about landing a job. Their curriculum is designed based on what employers actually need. And their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give course careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and course careers is here to help you shape it. Okay, Chase freedom.

[C]

Oh, that's mine.

[A]

This one makes no sense. But you're so close to paying it off and then you put more on it than your minimum payment and then you allow interest to accrue.

[C]

Why?

[A]

It just doesn't make sense. You could pay this off and it could stay paid off. Why are you allowing this to be better? I just don't understand.

[C]

So I think I was like trying to get into snowballing, but like on one of the other ones, like I.

[A]

Put more onto that in classic snowball fashion. You purchased on it. What the are you talking about?

[C]

I don't even what's on that. What I purchase on there.

[A]

I'll tell you. But I'm asking why the you purchasing on a car that you could pay off that is accruing interest. What did.

[C]

Oh my.

[A]

Come on, man. It's Amazon and going and getting gas. But why put it on a card that is a green interest that you can just pay off?

[C]

Probably the Amazon is just because one of the other cards is like was the one I was putting my Amazon on, but that was one's maxed out. So like I put the one purchase on there and then gas.

[A]

If you can't afford it, you can't afford it, buddy. And nothing on there was a necessity.

[C]

The work gloves. How is that not a necessity?

[A]

You think that's. Was that what this was?

[C]

You don't know for a fact if there's one Amazon purchase on there, it's work gloves.

[A]

Okay. Interest is accruing. Takes five months to pay off. Just paying off now. Again, I always tell people people on the show just use the fizz card, man. Only spend what's in your checking account. It forces you. It's like a debit card. Come on. Okay, saver card. This one's yours.

[C]

Yeah.

[B]

What's on there?

[A]

Well, purchases a balance of. It's basically max out as well. $4,865.74.

[C]

Don't look at me.

[A]

Minimum monthly payment $166.

[C]

I think this is a subscription card. Like, I don't even know what.

[A]

I know why, buddy, but it's maxed out interest. It's basically 120 bucks a month is gone, taken from you. And you haven't made much money until recently. You're just allowing that to be pulled from your life, from your future.

[C]

Yeah, Like, I don't know. It's just. It was so bad before I got this job. Like, I don't even know how I was a survivor. Like, it was just all on credit cards. And I don't. Like, I don't use the card now, but anything that is like a subscription. Because before, like, I kind of. When one card, like, the 0% interest runs out, I would just get a new card and that's how I'd have it. And then now I have a couple cards. And then once my financial situation got worse, then I just kind of started maxing them out.

[A]

I just. You guys are made for each other. 21 years.

[C]

21 years.

[B]

21. Damn.

[C]

Need to not pay my minimum monthly payment. 50.

[A]

Why do you want to get back together with her?

[C]

I mean, she said it before, like, there was a lot of good times. And then, like, I think we were just in a bad spot when we did break up.

[A]

And what pushed us over the edge? You pulled the trigger.

[C]

Like, she can agree. We were both just.

[A]

It just pushed us over the edge. What was the final nail?

[C]

So we started getting. Oh, I know what it is. We had the dog and I. I feel like I was taking more care of him at that point, even though he was my dog. But we got him together. Like, I paid for him financially, I was supporting him financially, but we kind of split duties. Well, he was. Or she was watching him, and I was talking to my dad downstairs. She was watching him. Well, she closed our bedroom door and he was out. And he ended up, like, peeing in the house. He was still pretty young at that time. And I went into the room and woke her up and like, hey, he peed in the house. Like, on your watch. And like, she had done this like, a week prior. And, like, she didn't. Like, I was upset about that. Like, she didn't want to help me clean it up.

[B]

Up.

[C]

And I was just like, well, why.

[A]

Not help him clean it up? It's an interesting final breaking point.

[C]

Like, that was just like, it was a culmination of, like, okay, all, like, our quality of relationship was, like, down at that point. And I'm like, I'm like, okay, you're not even really like helping me take care of the dog. Now. That was just like.

[A]

And I know you're a little more split, but why are you considering.

[B]

Well, before we get to that point, also, I was working a lot during that time. I was working 60, 70, 80 hours a week. And he worked from home. So it's like, I come home, I want to sleep. Which is what he. Now you probably understand that a lot more now that you actually work a lot of hours. But it's like, I'm not trying to come home after a 12 hour day and then watch the dog or take care of the dog. Like, unfortunately, no. Like, I'm tired. I have to be up at 7:00am yeah.

[A]

But if you guys choose have a dog and I know you took care of it financially, we're choosing. That's our responsibility.

[B]

Yeah. And like, I would help out, but it was just like, I'm tired.

[A]

I get it.

[B]

You know, so it's like you didn't really understand.

[C]

It's different. You're saying I understand it now. My job is way different. You were, you, you were working 12 hours sitting at a desk, hanging out with a bunch of people. Like, you were probably working, but you weren't working for 12 hours. When I go to work, it's 10 hours of manual labor. I'm putting up 25,000.

[B]

At the time, you were, you worked from home, you maybe did 40 hours a week. And you played video games also while you were working.

[C]

No, I didn't. No, I didn't. That's it.

[B]

Okay, well, so it's different. So it's like, yeah, like you should 100 have more of a, you know.

[C]

But I'm saying like he was in.

[B]

It shouldn't be 50. 50. Yeah, I was, I was tired. Like, I'm gonna take a nap. Like, I'm sorry. We were living at your dad's house. I get that for sure. But also at that point, I didn't want to be living there. I wanted to be moved out.

[A]

Doesn't matter. It's still your responsibility though. You're gonna take it on.

[B]

Yeah, for sure. But you need to be a little more understanding. So like now he just got a new job, it's been a month, and he already relinquished custody of the dog because he can't take care of it. So it's like took less than a month for you to realize working this much hours of a week is really hard. It is. Especially caring for someone.

[C]

So 4:30 and I get home, it doesn't matter. Between three and then as soon as I get home, I go. It's been two months.

[B]

Months before you got rid of the dog is what I'm saying.

[C]

And then as soon as I get home, I go to work at the remote job and I work anywhere from three to five hours. So then I go to bed at eight to nine. Like when am I. When am I going to take care of the dog?

[B]

Exactly. And that's what I'm saying at that time. When was I supposed to.

[C]

I'm not saying you were. You weren't in soul taking care of the dog at that point.

[B]

I wasn't like you were entrusted him.

[C]

For like 15 minutes and he peed.

[B]

Okay.

[A]

Why are you considering me?

[B]

I don't know. Like again, I've said it's never convinced me here, man. No, I've said it before. Like things used to be good. Like things were good. And I feel like I've definitely am getting in a better spot in my life and it's just like, what are you? I am.

[A]

You said it's only gone worse and I kind of have the proof of that.

[B]

Okay, so where's your better? It's getting your batteries.

[A]

You slept around for a little bit, so now you know what it's like outside of him.

[B]

But that's crazy.

[A]

Okay, well, I mean, that is what happened.

[B]

I didn't sleep around.

[A]

Okay, you dated someone else.

[B]

Okay, yeah, yeah, I saw the one person.

[A]

You saw what it was like on the other side. Now you want to go back.

[B]

Well, not just because, oh, it's not green on the other side because yeah, there was definitely a lot of good parts on the other side for sure. But I realized it's not crazy. It was like I. I had a great time with said guy, but I wasn't in love with him. I broke up with. I was like, no, I don't really see a future with you. And it was just that versus I did see a future with him when we were together for the longest time. So yeah, I would like to have that for sure. But I don't want to move backwards.

[C]

Unfortunately, her actually having that conversation with him is. I feel like a big step forward because she has a problem with having difficult conversations.

[A]

Why is it a step backwards though? I understand it's someone you've been with, but why is that a step backwards? That doesn't mean you guys aren't able to. To move forward together.

[B]

I'm so confused is. I don't want it to be a step back. It's Like, I don't want.

[A]

How would it be?

[B]

Because, okay, going into the same.

[A]

You're worse.

[B]

No, getting. No getting into the same relationship as it. Like, I like to be taken out. I like better. But it. It wasn't beforehand. That's what I'm saying.

[A]

I'm saying, what if it's better this time? He's not.

[B]

But I don't know that. But I don't know that.

[A]

He has changed, Elise, in terms of the.

[B]

But no. Now he's working forever. Now he's. He doesn't have time for me. But versus when he did have time for me, he still didn't spend it with me. That's the difference. So it's like, I don't know that it's gonna be better because now he definitely has less.

[C]

C is like, kind of true. But my job, when that was my only job, I worked it. That was solely it.

[B]

And then he played video games, he sat on the couch. He didn't wanna go out. We didn't wanna do things. And unfortunately, I need more. And other people would give it to me.

[C]

What she won't say about that job is the freedom that I had with it. She did like that because she had freedom with her restaurant job. Job. So she's gonna want. She wants a one where, oh, we take, like, two trips a year. Like, she wants to do stuff like that. But obviously it doesn't look like either one of us should be taking a trip for a long time.

[B]

That is true. But still, like, you see what I'm saying?

[C]

She wants an exciting relationship. Which it was in the beginning. Like, we did go do a lot of things.

[B]

Exactly. And then it got to the point where I felt irrelevant. So, yes, when he did break up with me, it was easy to leave.

[A]

How much did you speak up for that? How much did you. You advocate for.

[C]

No, she only. She only said anything when I start a hard conversation. Like, she would never initiate any conversation. That was hard. And that was a big problem I had. And that's why I felt really weird. Like, when we did break up, literally, like, it was crickets. Like, I didn't get anything out of her. Like, I didn't get, like, an okay or like a. Like, not even her opinion on whether or not we should, like, no, like, pushback at all.

[B]

It's because we had the. Basically the same conversation couple of months beforehand. And it was literally like, me begging to stay.

[C]

It wasn't her. No, it was not.

[B]

You guys are turning like, no. And that's the thing. So it's like. No, I'm not saying it's going to be a step backwards, but it could be.

[A]

The purchasing you did on your basically max out saver card, dude. Amazon, Apple, Amazon, vending machine, Vending machine, Spotify, Apple Bell. Apple Bell. But that's like double click Apple Chat or Apple Pay. So probably just some more bull monsters. Whatever you're doing. Energy drinks, dumb 30 interest. I don't understand the point, man. What's the point? Why are you doing this? The interest accrued this year so far, nearly 600 bucks.

[B]

Damn.

[A]

Okay, Amazon, Chase. Chase, Amazon. Who?

[C]

Oh, that's mine.

[A]

Okay, so this minimum payment being made less than the. No, here it is. Okay. Minimum monthly payment $57.75. Balance is $393.80. Okay. Interest is acc inches is occurring across the board. So again, it's another card that you could probably just wipe off.

[C]

But yeah, I'm working on it.

[A]

Prime Visa. Oh, I think that's just a continuation. Who's the Hyundai sonata?

[B]

That's mine.

[A]

2023.

[B]

Yes.

[A]

At almost 8%.

[B]

Yes.

[A]

K. It's a huge balance.

[B]

Yes. It's less than a.

[A]

What you should be. As long as you're making your payment. $16,191.17. Minimum monthly payment. 363-5635-634. Okay. What is this car worth?

[B]

I think it's worth. Last time I looked, I want to say it's worth 23,000 around there.

[C]

Are we looking up what it's worth?

[B]

What do you think?

[A]

Probably we're getting about 2020. But even still, that is an equity position in the car. That's not horrible.

[C]

She did put a good amount down.

[B]

I did.

[A]

Yeah. And I'd probably sell it. Get a $10,000 car, use the $5,000 in equity you're gonna probably get, put it towards it and then only $5,000 loan. Yeah. She's not willing to change. She doesn't care. Just like I said before, I'm not.

[B]

Cheating with the car.

[A]

Of course not. Who gives a.

[B]

Because I like it.

[A]

I don't give a. I want you to get out of she stores. It doesn't matter. Like she's the person I would kick off. She's the person I would kick off. She doesn't care. She doesn't care. She's not willing to sacrifice. She's not willing to count on. You're 21. You'll have so many more opportunities for nicer cars. Who gives a? Make a temporary sacrifice, get out of debt, get a Fully funded emergency fund. And stop around. Dude, it doesn't matter. It's a car. Who gives a fuck? Who cares?

[B]

Yeah.

[A]

Who cares with the person. It doesn't matter.

[C]

Yeah. I will say like, she did buy this car, her car before. That was a pretty piece of.

[A]

Not saying get a piece of.

[C]

I know so.

[B]

But I wasn't going to.

[C]

And so like, what is this? Her relationship is strained with her parents.

[A]

All yalls relationships are strange.

[B]

I don't know what that is.

[C]

That's my car note.

[A]

Okay. What's your car?

[C]

2012 F150.

[A]

Great. So you can haul your groceries. I'm thrilled.

[C]

Well, I got it for a reason. When I moved out to Colorado to be a snowboard instructor, I had a different car that was actually a piece of. And on the way to Colorado. Driving to Colorado.

[A]

Justified. Justified. Justified.

[C]

Just on the way to Colorado. We were driving. Yeah, the tire.

[A]

Well, guess what? You've had this for a while. It's used and yet you're still underwater, like 4,000 bucks.

[C]

Yes.

[B]

How'd you get the car?

[C]

Huh?

[B]

How'd you get the car? You got bailed out again. My mommy.

[C]

I moved out of Colorado. I didn't have any money and my mom linted.

[A]

Is it jealousy or concern?

[B]

No, it's just because he does it. It's definitely concerning. Is definitely concern.

[C]

I don't know. Hey, my mom, she lent me 3500 to put down on it.

[A]

Listen, you're never gonna learn your lesson though if you always have something to fall back on.

[C]

I know. That's why I don't like. That's why I'm like. I'm working on moving out now. And I mean, mommy, no, I live with my dad.

[B]

Well, same thing.

[A]

Same.

[C]

Yeah, I know, but I have you.

[B]

I live by myself.

[A]

Okay. Do you look down on him for this?

[B]

No, but it was. Yeah, I do. Yeah, it feels like it. I do. Yes.

[C]

But she can't say that. I've live. Lived the way like I lived on my own in Colorado. Like I paid my bills. Like we lived together in Jacksonville.

[B]

Yes.

[C]

Like, I have lived away from home. And yeah, I have gotten parental financial support. But I mean, if they're willing to offer it. But I have. I feel like it has held me back. But.

[B]

But it's just when we were together, we both lived there with his dad. And it was only supposed to be temporary. And it was be to supposed.

[C]

And that was how long it was.

[B]

Like six months was what it was supposed to be. Well, how long?

[C]

We broke up and it Was six months.

[B]

No, we lived with your dad for a year and a half.

[C]

No, we moved.

[B]

It was supposed to be six months. And then you decided you wanted to go to Colorado, so I stayed there for another six months. And then you moved back and it was another six months. It was a year and a half. And it wasn't supposed to be like.

[A]

That.

[B]

But it was.

[A]

Yeah. It's basically $12,000. It's $11,888.47. $357 minimum payment. What's the interest rate?

[C]

It's high. 13, maybe 12 high.

[A]

Gas.

[B]

And you're dogging on me for my car when you did the same exact thing?

[C]

Well, I got it because I had to drive 40 minutes through the Colorado mountains to get to work.

[A]

So the only cars that people have.

[C]

There are trucks, four wheel drive cars.

[B]

The guy he moved there with had a Volkswagen Jetta and he.

[C]

Yeah, well, there was also day. You know, I drove every day to work. Right?

[B]

No, I didn't.

[C]

He drove like. He drove the occasional off day. Like if we had an off day and he wanted to go snowboard, then he drove like if. If there was like any real snow, he couldn't go like.

[A]

Is that all the debt? I think that's all the debt. What's the bank of America checking account? What was the bank of America checking account with? 825 went down from 1,325 to.

[C]

I think I paid so far.

[A]

Nope, you just spent on the credit cards to make up whatever amount you put towards it. So it doesn't even matter. You're getting energy drinks. McDonald's, Amazon employees lounge thing. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy. Energy. Energy. Energy, Energy. Sally Beauty. For who?

[C]

Wait, what?

[A]

Sally Beauty.

[C]

Oh, that's for my hair. It's. I dyed it blonde.

[A]

Energy drink. Energy drink. McDonald's energy drink. Energy drink.

[B]

Probably more in there. Keep going.

[A]

Energy, Energy, Energy. Energy. Energy, Energy, Energy, Energy. AMC Energy. Energy. Energy, Energy. What the is wrong with you? Buy a bulk, you dumb tit. You're stopping and spending a ton of money. Like 4 bucks median each time.

[C]

Yeah, I need the energy drinks to go to work and it's hard to.

[A]

Then buy a bulk you.

[C]

But then you would clout. You would be like, oh, are we buying energy drinks on Amazon?

[A]

Yes, I would. Because you should brew coffee. And it's honestly cheaper. But even still, it would be better objectively, I mean, financially.

[C]

I sometimes I try and drink the coffee at work cuz it's free but it's so bad.

[A]

Brew coffee. You can make good coffee and it's affordable.

[C]

I. I don't know how to do that. Like I.

[A]

Are you. It is literally the easiest.

[C]

Also I don't really like.

[B]

You know there's like two coffee makers at your house.

[C]

Yeah, well.

[B]

And one's a Keurig and one's an espresso.

[A]

Daddy. He will help you, little boy.

[C]

There's actually one because they're all broken.

[B]

Oh, is it the Keurig?

[A]

I got only one.

[C]

No, that one broke.

[A]

Sounds like it works.

[C]

I just don't like coffee as much. I really like the white monster.

[A]

You zeld money out and you Venmo money out your checking account. 358 started at 11:49. Nothing to show for with the Max out credit card. Zelling money out Noodles. Uber going in getting some bull Steak n Shake Marketplace. Steak and Shake. Venuing out money bubble down 1. How many dates do you think are in here?

[B]

Probably not on my card.

[C]

Oh, that's a shot at me. Because she was the man in the relationship. I couldn't pay for him. I guess whatever.

[B]

He asked.

[A]

Bull getting waxed before flying here with you. No getting waxed again. Or a tip wax wax tip. Uber eats. Amazon Marketplace. Amazon Marketplace. Amazon Marketplace. Going to get into bull. Selling out money Cash app and out money. T.J. maxx, Chuck E. Cheese. All right, you predator. Cash apping out Money Chuck E. Cheese.

[B]

It was. It was with. I can't say names, but yes.

[A]

I'd hope so though.

[B]

No, it was just Fresh kitchen.

[A]

Venminate up money. Zoning up money and bull. This is stupid. It's so pointless. Savings $862. Not a retirement for either of you.

[C]

I do have a 401k. But it's not.

[B]

I do too. I don't know how to.

[C]

How much for each is probably like three grand maybe.

[B]

Yeah, mine was good, but when I moved to my new job, they didn't offer in case. So I did pull some of it out. Yeah.

[C]

Wow, that doesn't make sense.

[A]

What's the logic? Because they didn't offer.

[B]

You pulled out the well to roll it over.

[A]

Oh, you rolled over. I do an ira.

[B]

I. Some of it and some of it I pulled out. I know.

[A]

Pull out. How much did you pull?

[B]

I pulled out 4,000.

[A]

Why?

[B]

Because like I don't know.

[A]

Because I don't know.

[C]

Where did you pull it out?

[A]

Oh, for sake. That's so moronic.

[B]

I know. It is. I know it is.

[A]

How much is left?

[B]

2,000. Oh, so is that six.

[A]

So you want. This is what you want. Wait, you need to get on the apps.

[C]

I don't like the apps.

[A]

No one does. But you need to move on.

[C]

They're terrible. They're so bad.

[A]

They are.

[B]

But you need to move on my 401k than you did. But yes, I pulled it out.

[A]

Doesn't matter. Again, I don't give a about how.

[C]

Much you have in yours, only mine. Like 3K.

[B]

Okay.

[A]

I don't give a about the past.

[B]

It doesn't matter good or bad.

[A]

I'm only judging on now.

[B]

Yes, this is the Internet.

[A]

Well, it kind of is, but I.

[B]

Have a 401k now. My new job. And I'm contributing to it. So we're building it back up.

[C]

Mine should be more, but I.

[A]

How do I make a budget here? Guys, you're two independent people. I've never had this before. What am I supposed to do here? What am I supposed to do here?

[B]

Separate ones. Oh, that would make the most sense.

[A]

All right, well, let's start with the one who's.

[B]

Which is who?

[C]

You.

[A]

What's your income now? It was like it's 4200 now.

[B]

Right. Okay.

[A]

What's your rent?

[B]

2100. Yeah.

[A]

Why?

[B]

So obviously when we broke up, I moved out and I signed the apartment I liked the most that I wanted to get. And I definitely shouldn't have done it, but I really like where I live. But yes, it's expensive.

[C]

I told her not to do it. I said it was so dumb, but she was gonna be paying like 2 grand anyways for a house that we got. Cuz I was broke.

[B]

Yeah. So I was like, if I was gonna spend it on him, why can't I just spend it on myself? So it was very spiteful. So I did it.

[C]

She got a lot of spite over there.

[B]

I do. I am very. I'm a very spiteful person.

[A]

Minimum Debt payments are $710.34. Utilities, including Internet.

[B]

How much Internet's in the rent? And I believe water's in the rent. But my electric bill's about 70.

[A]

It's not horrible. Gas. Vroom, vroom. Drive. Drive.

[B]

Right now. 150. It will change in the next two weeks.

[A]

Two. Let's budget for that.

[B]

I want to say. Let's say 100 just to be safe.

[A]

Okay. Car insurance.

[B]

Car insurance is 2:30amonth.

[A]

Phone bill.

[B]

That one. That one's a little rough.

[C]

What?

[B]

It's like 175 TP fund, $100.

[A]

Makeup, tampons, whatever the you need. Food, $300. Use the cookbook, cook for each other. If you get back together. I don't give a medical, health care, anything that needs to go on a monthly basis.

[B]

It'll come out of my pay in like 30 days when I. When my 90 days is up.

[A]

Pet insurance for the dog.

[B]

I also get it through work. So It'll. Pet food, 100amonth.

[A]

Month, Jim.

[B]

26Amonth.

[A]

Anything else?

[B]

Oh, shoot. I don't know.

[A]

Food. No subscriptions.

[B]

I would say. I think I honestly like essentials. Needs. That's probably it. Yeah.

[A]

Okay. You need two. No, you need $3,910.34. Lucky with that.

[B]

My rent will be going down down shortly because my lease is almost up.

[A]

When does it end?

[B]

It ends August 16th and I already have a place.

[A]

How much is it gonna be?

[B]

It'll be a thousand.

[A]

Good.

[B]

Flat.

[A]

That's good.

[B]

I know.

[A]

So at that point we'll budget for there. That's gonna be a thousand. $389.66 left once you move.

[B]

Once I move? Yes.

[A]

You're gonna trade. Get your car. Your car. You're gonna owe $5,000 for your new car because that's what you're going to do. Cuz you're not going to. Cuz you're not a child. Don't be dumb. 1000. Now that freedom flex is crazy though.

[B]

Yeah.

[A]

Your total debt is $15,888.78, I think. Unless I'm missing something. Am I missing something?

[B]

That should be everything. I don't. I don't think I owe anybody any money.

[A]

No, I have.

[C]

That's if she sold the car.

[A]

That's if you sell the car.

[B]

Yeah.

[A]

Yeah. Good one.

[B]

Three if I don't. It's what, math wise.

[A]

Yeah. Under a year, you're debt free. That's what you're gonna do. Except you're only getting worse. So that's what you have to do. You're only getting worse. Stop. That's what you have to do to get out of debt.

[B]

Well, I didn't re sign my lease, so that shows.

[A]

Yeah, but you're only getting worse in your behavior. You're giving up. You're changing. Changing apartments. It's a very minimal thing. Total income for you. Yes, but it's not behavior. You're just gonna spend the extra money you have.

[C]

She's actually getting a nicer apartment.

[A]

It's just she's getting $4,000. Is your income Once you don't have rent, do you pay anything to dad? 500. Is that for utilities? Everything too?

[C]

Yeah.

[A]

Cool. Let me get your debt payments. Your minimum monthly debt payments. Almost identical. Like we really are for each other. $742.41. Gas from. From drive. Dr. Drive.

[C]

What I say? Let's just say 100amonth. I. My brother.

[A]

Car insurance.

[C]

130.

[A]

Phone bill.

[C]

I don't have one.

[B]

Mom pays it.

[C]

Okay.

[A]

How does the grocery situation work at home?

[C]

Like since I work so much, I don't buy that many groceries. But I do buy my own food.

[A]

Where you could be meal prepping, then 300 hours TP fund. Just as with her. $100. Medical, healthcare, anything that needs to go out. CO pays what not Jim.

[C]

26Amonth.

[A]

Okay. Anything else that needs to be in your budget that I have not put in there?

[C]

No, I think that's it.

[A]

Yours is a lot easier but also more dense. So $4,000. What comes in gonna minus what's required to live. $1,898.41. You have an extra $2,101.59 left over.

[B]

That's crazy.

[A]

Yeah. You have $29,627.02 of debt.

[B]

Wow.

[A]

And then for you, it takes just over a year to pay off. Then you guys can get together and all up over again. Listen, I don't know. I don't know, guys. We're gonna get into more drama that I want. I know this is a lot of drama, but I kept trying to bring it to finances. So there's more drama we're gonna do in the post show. So stick around. Then I'll give my final vertical whether or not they should get back together. So make sure you subscribe to that. The Hammer Elite membership is the best YouTube membership on the history of the platform. They have told us that themselves. The platform. So check it out. Really helps support the channel. A lot of extra content. Thousands of hours. Hammer Financial score. Let's go. You spending a budget. You didn't overspend. You were about half, but you still spent a lot of money that should have gone towards that. I'll give you a 4 out of 10 debt. It's pretty bad. It's not horrendous. It's not the worst thing in the world. 2 out of 10 though. Emergency fund, no savings. As far as I saw. 0 out of 10. Retirement, definitely behind for your age for sure. About a 2 out of 10 with that real estate. 0 out of 10. Your Hammer Financial Score not terrible. Is rounded up to a two out of ten and you.

[B]

Me?

[A]

Well, you have some kind of stripper name that we gave you. What is it?

[B]

Violet. Violet. Yeah, I know. Wasn't a big fan.

[A]

But better than Destiny.

[B]

That's crazy. Oh, just kidding.

[A]

What?

[B]

We know someone. No, her name's not Nevermind. Just kidding.

[A]

Actually there's a streamer named Destiny, but I don't think stripper with that.

[B]

Yeah, no Destiny I was like thinking of.

[A]

So you're spending a budget, you overspent, zero out of 10 debt. It's not that bad. But you are over maxed out on the card. So I can give you any higher than 1 out of 10 emergency fund. You had a little bit in savings, 1 out of 10 retirement pulled out. But for your age being younger, you're all equal at 2 out of 10. Real say 0 out of 10.

[B]

What I was going to say I still have some in there.

[A]

The amp of beer and you still pulled out and it's dumb.

[B]

I know.

[A]

Hammer Financial Score rounded up to a 1 out of 10 so you win by a little bit. Guys, join us for the post show. It's going to get juicy. Going to pull out some extra drama that we didn't talk about. Demonetization reasons and just how trying to stick to the finances. So make sure you subscribe and if you don't want to be like them, download the budgeting app, sign up for the annual version and I'll send you the notebook and cookbook signed by me directly to your stepsy in the post show. Let me ask you this. Did you not sleep with one person since.

[C]

Well, this is all going to go out right.

[A]

It's behind a paywall. The audience will not know. Say the name. What's your verdict on getting back together?

[C]

I would want us to start going like dating again, like he suggests.

[A]

Just that. What do you say?

[B]

I would.

[A]

He's considering getting back with you and you're considering moving across the country and he doesn't even know this?

[C]

I have no idea.

[A]

Exclusive Members content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.