Scumbag Admits To Beating His Wife | Financial Audit

Summary

Podcast Summary: "Scumbag Admits To Beating His Wife"

Financial Audit with Caleb Hammer — November 12, 2025

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Episode Overview

In this intense and at times uncomfortable episode, host Caleb Hammer sits down with Tony, a 28-year-old VA-disabled Army veteran and factory technician from Peoria, Illinois. The discussion unravels Tony's complicated finances, but far more than that, it exposes deep issues with addiction, unhealthy coping mechanisms, failed relationships, and the personal turmoil underlying his money problems.

This episode is notable for its raw honesty, Caleb's trademark blunt (often irreverent) humor, and the disturbing admissions Tony makes about his past behavior, particularly his physical altercations with his ex-wife. Financial problems quickly become a lens for exploring Tony’s unresolved trauma, emotional volatility, and patterns of self-sabotage.

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Key Discussion Points & Insights

1. Tony's Background and Income Sources

• Tony works as a factory technician, making about $4,000/month (net).
• He receives VA disability pay ($1,500/month) for injuries and anxiety stemming from Army service.
• He lives in a modest Peoria home and rents out a room for $800/month, further boosting his monthly cash inflow.
  • [01:18] Tony: "I'm making about 2,000 every two weeks from that job ... I actually get VA disability too."
  • [04:50] Tony: Describes injury during basic training and the process of qualifying for disability.

2. Coping Mechanisms: Addiction to Collectibles

• Tony exhibits addictive tendencies — first to Pokemon cards (accumulating $15,000 in debt), then to Lego sets after his divorce.
  • [07:05] Tony: "I'm also kind of struggling with buying Legos and it's like a whole nother addiction."
• He admits these habits are "therapeutic" and help with his anxiety/depression but ultimately drive financial ruin.
  • [21:04] Caleb: "Which is often what happens if we don't actually deal with whatever the F we're doing. It seems to be maybe your cope for whatever issues you're dealing with ... Instead of actually dealing with it."

3. Marital Strife & Physical Fights

• Tony's obsessive spending, hidden from his wife, led to the breakdown of his marriage.

• The marriage included mutually physical and emotionally volatile arguments:

  • [11:12] Tony: "She was getting stuff mailed to the door ... for two years for her to finally ... find out."
  • [12:14] Tony: "Well, things got physical, but it wasn't me initiating the physicality."
  • [16:32] A (Caleb): "How many times did you put your hands on her? Candidly."
  • [16:38] Tony: "Twice."

• Tony provides concerning explanations and recounts two incidents where he physically prevented his wife from leaving or responded physically to her actions.

  • [13:55] Tony: "She kept kicking me. So I held onto her leg."
  • [16:43] Tony: "I got in front of her and kept her from leaving ... I blocked the door from her leaving."

• Caleb is emphatic in condemning the lack of boundaries and mutual toxicity.

  • [17:29] Caleb: "Neither of you should ... you guys had a dramatic lack of boundaries in every way ... both reactions to either of those. Horrible."

4. Financial Deep-Dive: Debt and Spending

• Tony's debts have ballooned to over $72,000 (not including his mortgage).

  • Breakdown includes:
    • Credit card balances maxed out on toys/collectibles.
    • PayPal Credit, Affirm (concert tickets), business cards, and loans for truck and roof repair.
    • He has minimal savings, and most new debt is layered atop the old.

• Occasional responsibility — Tony sold his Pokemon cards, albeit for a fraction of their value, to appease his ex-wife (unsuccessfully).

• Tony spends $400–$500/month eating out, plus regular small purchases on energy drinks and in-app mobile games.

• [46:18] Tony’s LEGO Wishlist: He has $5,549.71 of LEGO sets in his online cart.

5. Financial Reckoning (and Denial)

• Caleb calculates Tony’s minimum debt payments (excluding mortgage) at $1,566/month.
• Despite over $6,300/mo income, Tony’s overspending and irrational priorities keep him in perpetual financial peril.
• Tony’s attempts to rationalize expenses (e.g., treadmill financing, buying a truck) are met with scathing skepticism by Caleb.
  • [42:30, paraphrased] Caleb: "Your minimum payment is an eighth of your income. That’s huge!"
• Tony routinely ignores opportunities to tighten up, and his stated intentions to improve fall flat.
  • [37:20] Caleb: "You didn’t do anything ... You didn’t do anything."

6. Unhealthy Relationship Patterns

• Tony fixates on dating younger women, justifying preferences in ways that raise red flags.

  • [22:41] Tony: "I mean, the younger the better, right?"
  • [22:55] Tony: "Biologically, when they're most fertile..."
  • Caleb tries to set a moral/legal boundary: "May I for the sake of society, have your bottom be 21?" ([23:10]). Tony agrees but continues to discuss his attraction to younger women.

• Caleb pointedly challenges Tony’s attitudes and makes note of his general immaturity and emotional stuntedness.

  • [26:09] Caleb: "This is why you go for young. Because you're mentally there."

• Joking references to underage, inappropriate, or unhealthy sexual fixations become a recurring (and uncomfortable) undercurrent.

7. Business Ventures and More Debt

• Tony started an LLC "business" (car repairs/tools) but it isn’t viable, simply serving as justification for more spending.
• Tony is considering further ill-advised purchases (solar panels, Jet Skis), much to the panel’s exasperation.

8. Admonishments, Solutions, and The Financial Score

• Caleb repeatedly admonishes Tony: for lack of accountability, refusal to change behavior, and using coping as excuse for destructive cyclical habits.

  • Memorable moment [55:40]: "That is a loser who was divorced because he couldn't keep his hands off his wife five years ago and stop his addictions and now can't land a single date going out and coping with his life."

• Potential Path Forward:

  • With $1,800+ of surplus income a month (after all living and reasonable discretionary expenses), Tony could clear his bad debt in about 40 months.
  • Caleb urges him to designate these funds strictly for debt payoff and to end his impulsive collectible spending.

• Hammer Financial Score: 2 out of 10.

  • Debt: 2/10 (not in collections, but egregious behavior)
  • Emergency Fund: 0/10 (no emergency cash)
  • Retirement: 2/10 (way behind for age)
  • Real Estate: 6/10 (break-even position, but little equity)

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Notable Quotes & Moments (with Timestamps)

• On Physical Altercations:

  • Tony [00:10]: "Twice."
  • Caleb [04:09]: "What, Brain damage from the fall."
  • Caleb [17:29]: "You guys had a dramatic lack of boundaries in every way. You wouldn't let her leave and force her to talk. Horrible..."

• On Addiction & Denial:

  • Caleb [21:05]: "You use cash advances for Legos. Oh my. I didn't think I'd ever read in my life that someone does cash advances for Legos."
  • Tony [21:43]: "No." (when asked about a new relationship)
  • Caleb [59:35]: "If I'm going to get arrested for something, I may as well do it. What is this logic?"

• On Financial Reality:

  • Caleb [35:16]: "Navy Federal ... $20,053.99 balance. What the possibly is this? Lego? This is Titanic. What is this?"
  • Caleb [42:30]: "Your minimum payment is substantial of $496.45 for your regular paycheck. That's already an eighth of your income. That's huge."
  • Caleb [86:47]: "You have 72,000 hours of bad debt. 1,800 a month to put towards it takes 40 months to pay off."

• Dark Humor & Red Flags:

  • Tony [22:41]: "I mean, the younger the better, right?"
  • Caleb [23:10]: "May I for the sake of society, have your bottom be 21?"
  • Caleb [26:09]: "This is why you go for young. Because you're mentally there."
  • Tony [26:12]: "Yeah, pretty much."
  • Tony [76:55]: "500 year witches, all right? They're immortals." (defending disturbing anime references)

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Segment Timestamps

• [00:45] Tony's Introduction & Income
• [01:18] Job and Military Background
• [04:50] Process of Acquiring VA Disability
• [06:11] Living Arrangement and Roommate Income
• [06:22] Divorce & Onset of Collectible (Pokemon) Addiction
• [11:12] Escalation of Addiction, Hiding Cards from Wife
• [12:07, 14:39] Fights, Therapy, and Physical Altercations Details
• [21:04] Addiction Shifts to Legos; Financial Outflow
• [34:06] Financial Scorecard and Documentation Review
• [37:20] Critique of Tony's Inaction Following Wake-Up Call
• [46:18] Lego Wish List Review ($5,549 in cart)
• [55:40] Caleb’s Monologue on Tony’s Self-Sabotage
• [66:34] Affirm Loan: Financing for Billie Eilish Concert
• [69:47] Review of Truck and Roof Repair Loan
• [73:02] Discussion of Ill-Advised Solar Panel Purchase
• [75:10] Revealing This is Typical American Financial Life
• [85:39] Budget Construction
• [87:08] Projection for Debt Payoff: 40 Months at $1,800/month
• [87:31] Closing, Reference to Post Show and Financial Score

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Final Thoughts

This episode is both an object lesson in personal finance gone wrong and a window into the complicated psychology that often drives money problems. Tony’s willingness to discuss deeply personal failings, paired with Caleb’s unfiltered critique, makes for riveting and at times disturbing listening. The financial autopsy, while thorough, is ultimately less shocking than the personal revelations about boundaries, addiction, and out-of-control coping mechanisms.

Key takeaway: Without addressing the real emotional and behavioral roots—money problems, addictions, and toxic relationships won’t end. Financial repair for Tony starts with personal accountability and a hard stop to self-sabotage masquerading as self-care.

Most memorable quote:

• Caleb [55:40]: "That is a loser who was divorced because he couldn't keep his hands off his wife five years ago and stop his addictions and now can't land a single date going out and coping with his life."

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For a more granular breakdown, listen to the extended post-show available on Hammer Elite for dating profile audits, a call with Tony’s mom, and further analysis.

Transcript

[A]

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

[B]

I had a really bad issue of, like, just blowing up constantly.

[A]

You got beating your wife. Uh, how many times did you put your hands on her?

[B]

Twice.

[A]

Oh, my.

[B]

I don't even know what. I genuinely just lost it.

[A]

Have you found a new lady? No. Are you trying?

[B]

I mean, the younger the better, right?

[A]

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[B]

I'm Tony. I'm 28 from Peoria, Illinois. This is Financial Audit.

[A]

Yes, sir, it is. Thanks for coming down. I know Peoria. It's a good time, cheap area for sure. This is the top five reasons not to move to Peoria. You should be. Well, actually, it depends on your job and income. What do you do?

[B]

I'm a technician at a factory in Illinois and I work on anything that comes off the line that requires repairs or damage along the process.

[A]

That usually makes money. Right. What are you doing or what are you making?

[B]

I'm making about 2,000 every two weeks from that job.

[A]

This is what hits your account. 2,000 every two weeks. So 4,000. You know, it's not like the most thrilling of all the incomes in the world, but Peoria, you know. I know. Well, you can live a pretty okay life on $4,000 net a month.

[B]

Well, especially when I'm. I'm. I'm actually get VA disability too.

[A]

Oh, okay.

[B]

What you do like job wise or.

[A]

Like, what were you doing in the military?

[B]

I was a tank mechanic.

[A]

Yeah. Blowing up. Except fixing the. That would blow up.

[B]

You'd think so, but, you know, we're.

[A]

Not blowing up as many things these days. Okay. And in the Army. Marines.

[B]

Army, Yep.

[A]

Good.

[B]

I was actually at a service and recovery unit, so I didn't really touch the Abrams when I got in, but.

[A]

And what happened? What's your disability?

[B]

Oh, when I was in basic, there's like phases, red, blue, white and blue. Which. Red's like physical. During the first phase, red phase, I took like a 20 foot fall onto my knee.

[A]

Why'd you do that?

[B]

There's a rappelling tower called like eagle tower, and one of the parts on it is like A German wall, which is like a wall that goes, like, straight up and there's, like, a rope. And I went up the wall, got to the very top and couldn't transition. And they told us to let go if we feel like we're falling. So we don't have our hands on the rope because we weren't wearing gloves, because, you know.

[A]

Was it your immense amount of gravity?

[B]

Yeah, pretty much. Yeah. I was actually a lot skinnier back then. Like, I was like.

[A]

Okay, so what hits your come from VA Disability on a monthly basis?

[B]

About 1500.

[A]

So you're not 100%? You're. What are you, like, 25?

[B]

I'm actually at 60%. Oh, I know you hate it, but.

[A]

Hate it?

[B]

Yeah.

[A]

Hate what?

[B]

You're always. I know you've only had one person on the whole show that hasn't had VA disability.

[A]

What do I hate?

[B]

Well, you hate that people abuse it, don't you? Not necessarily abuse.

[A]

You use the word abuse. You don't hate abuse.

[B]

Well, people abuse the system.

[A]

You don't hate when people abuse the system?

[B]

No, I'm just saying you hate that people are abusing it, do you not? No, I'm just saying that you do.

[A]

Okay, yes. I don't like when people abuse welfare or disability or student loans or Pell grants or any system. No, you're right. And we don't have sacred cows. Sounds like. I mean, you actually became injured in what you're doing. So that's why I didn't comment on it in any way. What's a. Okay, what's the point of that?

[B]

Trying to vindicate myself, basically, of why I deserve the disability. I don't know.

[A]

Did I push back against your disability?

[B]

No, it's just my own issues, you know, self doubt, you know?

[A]

What, Brain damage from the fall.

[B]

Oh, yeah, definitely. And probably, you know, other things.

[A]

Okay. I guess you even brag to Colton that I would probably hate that you're on disability. Why would I hate that you're on disability? Uh, you got injured in your service. I want you to have disability. I want anyone who becomes injured or faces mental things through their disability to get even more. The only way to do that is by shutting down those who went and got coached on how to get disability for their acne or things that didn't happen in their service to be like, no money for you, and let's give money to everyone that needs it. And even more so.

[B]

It's funny you say that, because when I was going through my medical side, like, the physical evaluation, they only gave me 5% for my actual hip injury and the rest. And then after I got through the physical process, they're like, would you want to see a therapist? And I was like, yeah, sure. And after talking to the therapist for like an hour, he's like, I think you have anxiety and depression.

[A]

And that's where like 40 correlates it to the military. Because a lot of people have anxiety and depression outside of that.

[B]

Oh, yeah.

[A]

Okay, well, good. I mean, you're working on lines, right?

[B]

No. So where I work, we have bays that everybody works in and basically anything that doesn't require a lift. Like a lift to lift the vehicle we're working on, I do anything besides like drive units and batteries.

[A]

So is it physical?

[B]

Yeah, it just depends on what comes into the bay and what we need to work on.

[A]

But your job is physical?

[B]

Yeah.

[A]

So your injury is not preventing you from doing your job?

[B]

No, I would say no.

[A]

Okay. Okay. So $5,500 a month. Good. Again, in Peoria. Should be doing well. Go on.

[B]

I also have a roommate that pays about $800 a month.

[A]

Okay. Plus 800. Why the are you here?

[B]

Well, I actually went through a divorce because of a Pokemon addiction that I kind of got into.

[A]

The is a Pokemon addiction.

[B]

You know, Covid sitting at home all day and Covid.

[A]

That was a second ago. Big guy. Big guy.

[B]

Hey, Long Covid. Haven't you heard of it? I mean, Long Covid, man. Same thing, just with debt. That sounds like the dumbest thing I've ever heard.

[A]

Long debt? You have long debt?

[B]

Yeah, Just like a lot of people.

[A]

Wait, no, no, no. Explain this. Divorce, Pokemon, whatever. The. If that's what got you here. What the are you talking about?

[B]

That's a part of it, but I'm also kind of struggling with buying Legos and it's like a whole nother addiction. Yeah, yeah.

[A]

That cures your anxiety and depression, I guess.

[B]

It's very therapeutic. One little piece of. Yeah, everything's cope.

[A]

So everything's computer.

[B]

Uh huh.

[A]

So what the was going on? So me and.

[B]

Me and my ex, we got married. And this is a military marriage.

[A]

You know, they go quick.

[B]

Yeah. Yep. Well, and we got together. We met each other when we were in high school at a job, and we were together for like two years till she got out of high school. And then I was already out in the military because I was a year ahead of her.

[A]

Yeah.

[B]

And predator. Yeah. You know, grooming.

[A]

It's funny. Go on, keep going.

[B]

So once she got out of high school and I Was already out of the high school for a year. We got married and we were together for four years.

[A]

Boring.

[B]

And he said that I had a tear in my labrum and I need it repaired. Even then, I kind of had. I started spending on Pokemon and I wasn't as bad as before. Like, Covid.

[A]

Well, okay, well, you weren't as bad as you were before. What do you mean before? Like, what are your Pokemon?

[B]

I'd like, buy a pack or two and then.

[A]

Sounds like cigarettes. Okay.

[B]

Yeah, pretty much every day. Just one pack and what? Strip it through, you know, hope for the best day.

[A]

That's insane. What's the cost of a pack?

[B]

It's like three bucks.

[A]

Yeah, but a day's insane, dude. That's. That's over a thousand bucks a year.

[B]

Yeah, yeah, it definitely added up. And it. I didn't feel it as much. And it was just like you said, it was a cope. But.

[A]

And also, I doubt actually at Your income level, $1,000 a year is what put you under I.

[B]

High. I.

[A]

Highly, highly. I. You. There's no way you didn't spend more on Pokemon. Come on, you had to have spent much more on Pokemon than that.

[B]

Well, so when I, when I got out of the army, I went and I was a contractor on base working on.

[A]

I have the number. 15 grand?

[B]

Yep.

[A]

15,000 on Pokemon?

[B]

Yep. And I'm still paying on it.

[A]

You're still paying on Pokemon? Pokemon debt. Sell your Pokemons.

[B]

I did, actually. I sold it already did.

[A]

What did you sell?

[B]

Sell. So I, when she found out about it and she found out how bad it was, it's like a collection. You're acting. And I was hiding it like one too.

[A]

But really we're hiding the Pokemon.

[B]

So we had an attic area in our house, and I just shoved the box in there.

[A]

That's insane. What was the intent of the Pokemon if you had to hide them and you couldn't even, like, play with them?

[B]

Well, I, I, I got really into like, the Pokemon collection and watching YouTube videos and seeing the values.

[A]

You hid them?

[B]

I. Yeah.

[A]

You didn't even get to enjoy them. Bask in their glory.

[B]

Well, I had them in fold in like cases and like, kept them so that they wouldn't get bent. And I had them. So in the attic area, I had like, my computer in front of it. So I was like, I'd move my computer out and climb.

[A]

You had your computer in the attic?

[B]

No, no. So the upstairs area, it's like a large room, and that's where I kind of like Had a gaming area and there's like a attic that. Oh, a door to the attic where.

[A]

The AC hid the access to the door with your computer set up.

[B]

Kind of.

[A]

That's crazy, guy. That is crazy.

[B]

And so basically when she found out, she said I had to sell them right then or she was gonna divorce me. So I took all the cards and just sold them at a pawn shop for like a third of the price.

[A]

And yet she still divorced you? Yes, I still see your shadows in my room can't take back the love Lose, lose Why the did she divorce you? Probably because my insane husband is hiding behind a computer setup. So I don't see a door to the crawl space in the attic area where he hides his Pokemons. Like a dead body.

[B]

Um, so basically, like, she even find.

[A]

Out.

[B]

Getting stuff mailed to the door. Basically. I'm pretty sure that's why she saw one box.

[A]

And she's very bad at hiding addictions, aren't you? Come on, you go through all that link to hiding in your attic and then you don't even vet when things are coming.

[B]

Well, I. It was like a two year thing. So like it took like two years for her to finally. Because she worked at the same schedule as me and usually I got off a little bit before her, so it was easier to just grab the package and pretend like it didn't happen.

[A]

Dude, that's insane. I hope you know that. Why'd she divorce you?

[B]

So it was like two years later and it was after I had gotten out of like fully out of the military and she. She was struggling. I had started to go to therapy for like, my anxiety and depression and I had a really bad issue of like just blowing up constantly about the little things and I had gotten.

[A]

Beating your wife? No, I wasn't the confidence of an answer that I was hoping for.

[B]

Well, things got physical, but it wasn't me initiating the physicality.

[A]

This is your opportunity to explain that.

[B]

Like, I would. Anytime we got in an argument, I would try to separate myself from the argument and I'd close doors behind me and she'd try to kick down the doors. And if I tried to leave the house or leave and leaving my truck, she'd try to stop me from leaving my truck. Leaving and leaving. It went both ways. I'm not saying like, and what about your way?

[A]

Because I'm only hearing her way so far.

[B]

So there's one time when she was cooking something and I. She gave it to me and I tried it and I didn't like it. And I told her that. And it's kind of hard to remember every detail, but I think I got a little more verbal. I don't like it. And she just kept asking me why. And I was like, I don't like it. I think it tastes bad or it tastes like. And I got kind of mean with it. And so she. It was like a taco or something, or something with a tortilla, but she threw it at me and I got up and I was like. And I tried leaving and she just kept getting in my way. So she kicked me and I grabbed her leg and she fell on the ground. And then she kept kicking me. So I held onto her leg. Uh huh.

[A]

So you guys fought a lot?

[B]

Yes. And it got better when I went to therapy because I was able to, like, if I got overstimulated, I could be like, hey, I'm getting kind of upset right now. Give me like five minutes to calm down and we can talk about it. And that was working for like two years. And then we got to a point where I just came home from work. I was like, hey, I'm going upstairs. I'm gonna go play on my computer and relax. She's like, can I come up and hang out with you? And I was like, yeah, that's fine. And so I had a chair behind me and she sat there and I literally just turned on my computer and it wasn't even turned on yet. And she's like, we really need to clean up here. And I was like, well.

[A]

It'S bleeped, it's okay.

[B]

I was like, well, you know, I just got home from work. I just want like 10 minutes to relax. Like that's all I want. And so she started like cleaning. And I'm like, I really need some time. Just calm, like relax. Like today wasn't a good day. Just give me a few minutes. And she just kept pushing it. And I was like, I'm getting really upset right now. Like, just give me five minutes to calm down. And she did not. She would not leave me alone, basically. And I freaked out, started yelling. She called my mom and tried to get my mom to talk to me.

[A]

Cause you must have been freaking out a lot. You must have been raped. Come on.

[B]

It was full on. I don't even know what. I genuinely just lost it. And she called my mom and my mom answered. My mom was like, tony, I don't know what's going on, what's wrong? What's wrong? And I was like, you're what's wrong. The Way that you were when I was a child is the reason that is basically blaming her for the rage and me freaking out like I always did.

[A]

And then she packed up and left.

[B]

Or no, she did leave to a hotel for a little bit, but then she came back and she was like, I'm not happy. I don't know if I want to be in this relationship anymore. And she was like, I'm not sure.

[A]

Yeah. Who the f was happy in this relationship?

[B]

And we talked about it and I was like, it's not like I'm happy either. Like, I'm not sitting here saying.

[A]

Right. So you. Why were you trying to keep her?

[B]

Well, so we were talking about it and I was telling her, like, it's not like I'm happy either. Like, I'm not saying you deserve me freaking out and you don't deserve me. You don't deserve anything that's happened. I'm not sitting here saying that. It's just I'm struggling. And I know you're struggling too.

[A]

How many times did you put your hands on her? Candidly.

[B]

Twice.

[A]

What was the other time?

[B]

I woke up early and I made her coffee and she was complaining about how I made it and she was trying. And she was trying to leave. So I got in front of her and kept her from leaving to try to talk to her.

[A]

Okay.

[B]

She was trying to go to work.

[A]

That and.

[B]

And b, basically just keeping her from leaving that like I blocked the door from her from leaving.

[A]

Uhhuh. But you said you put her hands on her. Yeah. Unhealthy relationship in every way whatsoever, to be clear. And she was physical with you quite often.

[B]

It was, I would say 50. 50.

[A]

No, neither of you should have to be clear. And you guys had a dramatic lack of boundaries in every way. You wouldn't let her leave and force her to talk. Horrible. She wouldn't let you have a moment of space after you got home. Horrible. And then your guys reactions to either of those. Horrible. Why the would you guys be together? Of course I would say break up. My goodness. Okay, so poke Pokemons. To be clear, not the reason for the breakup. It's the.

[B]

It's a fact.

[A]

Hitting each other.

[B]

Yeah.

[A]

Yeah. And now you're saying it's gone to Legos.

[B]

Yeah. So basically my grandma, she got me a pyramid of Giza for Christmas with a light set. And ever since then I've just kind of been buying.

[A]

Last Christmas?

[B]

No, it's been basically, yeah. Since my divorce. About five years.

[A]

Your divorce was five years ago?

[B]

Yes. I'm Pretty sure I tried.

[A]

And how much has the Pokemon continued since then? Because it was discovered two years before divorce. Divorce was five years ago. So seven years ago. How much has the Pokemon addiction continued?

[B]

Um, I have some just stored away, but I haven't bought any.

[A]

So it's transitioned to Lego?

[B]

Yes.

[A]

For the last five years. Tell me about that. And you're spending on Legos?

[B]

Yeah.

[A]

You said you still paid for some Pokemon in here. You said, like, what the f. You told.

[B]

No, no, no, I said. I said I was buying a pack every once in a while and you.

[A]

Said I'm still paying for that.

[B]

Oh, yeah. Well, no, I mean, I'm still paying on it. As far as, like, debt.

[A]

Yes. What do you think I just said?

[B]

It sounded like you said I was so buying.

[A]

Okay. And Lego.

[B]

So my grandma got me a pyramid of Giza with like a light set.

[A]

We got the light set. Pyramid of Giza. Yes.

[B]

And so basically I've just bought like one. One every once in a while and one every once in a while.

[A]

I don't know what one every once in a while means to you. And also, Legos are so. Lego sets are so expensive. They're insane. They're hundreds of dollars. Hundreds, if not thousands, sometimes. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co center release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 888-973-3978 that is 889-733978. Break free from the high interest trap and get your finances under control once and for all. So you didn't get rid of an addiction. You translated an addiction to something else.

[B]

Yeah.

[A]

Which is often what happens if we don't actually deal with whatever the F we're doing. It seems to be maybe your cope for whatever issues you're dealing with and then that cope has just been translated to another cope instead of actually dealing with it in helping coping mechanism ways.

[B]

Yeah.

[A]

Oh good. You use cash advances for Legos. Oh my. I didn't think I'd ever read in my life that someone does cash advances for Legos. Buddy. What are we doing? What are we. Have you found a new lady?

[B]

No.

[A]

Are we shocked?

[B]

No.

[A]

Yeah. Are you trying.

[B]

I mean I was talking to somebody a bit ago and literally then she found your collection. No, we were, we were Snapchatting. I'm Tony, I'm 28 and we're going to meet the next weekend and I.

[A]

Snapchatting's for by the way.

[B]

Well, we didn't meet through Snapchatting. It's just weird. We talked.

[A]

Yeah. But if you transition to Snapchat, that is too.

[B]

Basically she, she had, I messed her in the morning. Like, hey, I hope you're doing good. How's class going? Because she was, she's in college for, she was in college for like cosmetology or something. And how old is she? She was 22.

[A]

Nice. Yeah.

[B]

But basically I, I looked at her message and she said it's going pretty good. Lol. And then her account was gone so like literally blocked on everything. Like I literally just asked her how class is going and it was gone.

[A]

So you're a Gunner. You go for the college is, I.

[B]

Mean the younger the better, right?

[A]

No, I would say I, I, in.

[B]

Fact I would say no biologically when they're most fertile. Come on, Caleb.

[A]

Oh my.

[B]

Come on, man. Yeah, I don't have a picture of her, but.

[A]

I would say may I for the sake of society, have your bottom be 21?

[B]

Oh yeah, for sure.

[A]

Okay. Please and thank you.

[B]

I must say anything under 21, they're too immature usually.

[A]

Uh huh.

[B]

Yeah. I don't have a picture of her.

[A]

18'S legal. But you're not 25 anymore, so it's like, you know, I haven't, the last.

[B]

Time I was with was my ex wife, so we're good.

[A]

Not her last name. What did she look like? Just, I'm sussing you out right now.

[B]

Shorter, blonde, kind of.

[A]

I, I go on.

[B]

Not, not, not like 13 year old, short. But you know, I was not suggesting.

[A]

Nor I did not indicate.

[B]

You're implying.

[A]

I am Not. I just wanted to see what you're going for.

[B]

Not, not that.

[A]

No. I don't care. I don't care what two legal consenting adults do. I don't give a. This isn't tick tock or Twitter where we over. Sensational. I'm just trying to see.

[B]

I'm really trying to look.

[A]

No saved photos?

[B]

No.

[A]

You guys never met? No.

[B]

We were getting ready to that weekend. Oh. And then it was like the Wednesday before I was in.

[A]

And that was only. That's it.

[B]

The most recent. I was with somebody for like a month before, like actual relationship. And she was, she was something else. But. And she was 20s, early 20s. So, you know, staying within that legal range or. Okay. Range.

[A]

What do you have to def. Why do you have to define it?

[B]

Because the way you're st. I don't know. Just.

[A]

You know, I actually would like to say. I didn't suggest anything about going too young. That was. You.

[B]

You're implying it. You're implying it heavily. But regardless, I would. I kind of was wondering if you'd buy me the Eiffel Tower.

[A]

You.

[B]

Because I, I. My insider.

[A]

You. You want an Eiffel Tower 13 year old?

[B]

I don't want. I don't. You can be the other leg of the tower, Caleb. Like, come on. I got $140 of insider credit. All right? So if you just give me a 500, I could get the Eiffel Tower and we get this going. You get a light set for like $100 for it. I'm sure.

[A]

Show me your light set. Your special little light set. We'll put it in video stream record. Well, just send us the picture. We'll put it up.

[B]

That, that I have because I put that into a. I've put in an album just for you.

[A]

Oh, here.

[B]

So that, that's not Lego. That's a off brand that my mom.

[A]

I thought we were doing Lego.

[B]

Yeah. Well, here's Lego. Here's Lego with a light set.

[A]

Okay. Is Notre Dame. I think Notre Dame. Sorry.

[B]

Yeah.

[A]

It has lights inside of it.

[B]

And here's a Japanese castle with some lights on it too.

[A]

Yeah, it looks like it just got nuked. That's about right.

[B]

And here's some plants. A lot of the plants plant Legos. I have. My mom usually gets me because we'll go to like Walmart especially.

[A]

This is why you go for young. Because you're mentally there.

[B]

Yeah, pretty much.

[A]

Oh my gosh. Dude, you didn't have to say that.

[B]

Here's you know, Taj Mahal you know, from here, endurance.

[A]

I don't know what that is. Okay, yeah, you showed me your collection. I'm really proud of you.

[B]

And there's the Titanic. The four foot is long, like 10,000 pieces.

[A]

How much debt do you have not including your house? Because somehow you have been able to scrounge together owning a home. Other than that, how much do you have?

[B]

I think it's around 67,068.

[A]

Looking about 73. What the is going on? Why would you continue Legoing?

[B]

Well, so a majority of that is from actually a roof repair on my house. And also I got a truck.

[A]

The truck isn't even half of that. Dude, no, come on.

[B]

So I got the truck when my car was going through some. I had a Dodge journey and it was having some transmission issues and so I was like, well, I'll just get a truck.

[A]

Oh, just get a truck. That solves all the problems.

[B]

Well, I took it in to get looked at to see if it could be fixed and they quoted me like 7,000 to fix it or $300 in credit towards another vehicle. And I was like, I basically said that I'd rather just get it fixed myself in which I did. Yes.

[A]

Then what the. What are you saying?

[B]

Well, so I wanted a truck regardless. And basically I spent like 1000 bucks to get my car fixed. Like I bought a transmission off of ebay motors and got it put in for like $500. And it's been running me good for about a year now. But yeah, uh huh. I kind of wanted a truck because I'd like to start really excited about this truck. Well, I'd like to start working on cars outside of my actual job.

[A]

Okay, but I'm being told you already have a dream car from your grandpa. So why the are we obsessing with this truck that you probably cannot afford in any way whatsoever?

[B]

Well, first I used the truck to bring the car to Illinois because my grandpa passed away. He left me basically a hot rod project.

[A]

And it's not what's the car? This dream car.

[B]

It's, it's, it's not, it's, it's a rat rod.

[A]

That's what the car is called?

[B]

No, it's what it.

[A]

What's the car?

[B]

It's literally just a frame and then body panels and I, I still need.

[A]

To put it drivable. It's so it's not driving. So you're not pulling up to schools with it currently. Okay.

[B]

Not in that waiting lane yet.

[A]

Good. Thank goodness. Okay, so you need a car. Why don't we fix that or sell it. I don't know. It's sentimental. Okay, well, this is difficult.

[B]

He died. And when he was. When he was currently, like, in the stages of dying, he said he hoped he could see it completed before he died.

[A]

Mission failed. Next time.

[B]

Yeah, it's kind of hard when he. I got the car one week, and next week he's dead. And I literally called him the day before he died.

[A]

Was that his Horcrux?

[B]

Like, I don't know. It's like, as soon as he got in Illinois, he's gone, you know? But I had called him the day before, and then when I looked at his Facebook profile, because I was looking.

[A]

At the pictures, that's how you found out he died.

[B]

So it's up. Because I looked at his Facebook and I was unfriended. And I'm like, what's going on? And the way.

[A]

I'm so sorry.

[B]

The way I found out he died was somebody said, rip Larry on his profile. And I was like, what the. And I didn't.

[A]

It's not funny that you lost your grandpa. But that is such a ridiculous. That is such a ridiculous thing.

[B]

It's up because I messed up.

[A]

I messed.

[B]

I messaged his girlfriend at the time and was like, oh, hey, is.

[A]

He was on the prowl as well. Want to know a dirty little secret? And no, I'm not starting an. Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is. Is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollarwise today, you'll get to try for free. Plus three months for just $9.99, so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

She. She was within his age range, so he's good.

[A]

What's his age range when you get up there?

[B]

About 50, I think.

[A]

But the years difference.

[B]

Yep.

[A]

Okay.

[B]

But he. So I mess. I texted her, like, hey, what's going on with Grandpa? He's unfriended me, and I didn't get a message back for, like, three days. And then I finally found out he'd passed away. I'm like, that's very.

[A]

I. I'm sorry.

[B]

That.

[A]

That's really hard. That's really hard. Yeah. I'm sorry for your loss.

[B]

And I, I haven't even really done.

[A]

And I get the car sentimental with it. I don't want to with that. I, I, I agree. But I would love you to be able to hopefully drive it and maybe get rid of a truck that we can't afford.

[B]

Well, and I would like, I would like to keep the truck long term because I, I, So I got the warranty on it and it, oh, my. It. I.

[A]

Car fix guy. You can fix cars?

[B]

Well, the, in the engine completely out. And I, I didn't at that point have a way to repair it.

[A]

The. Wait, which, on which car is what?

[B]

The. The truck.

[A]

The k. The truck. The engine already itself.

[B]

Yep. It.

[A]

So the truck that we owe on.

[B]

So my big Ram 1500, the Hemi out on it, which was common because it doesn't get enough oil pressure to the top of the engine.

[A]

I thought we specifically bought this truck because the engine got. The transmission got on another car.

[B]

Yeah. And.

[A]

Well, so are you trying to, like, make this into a business, repairing things?

[B]

I would like to at some point, and I've already. When my.

[A]

Oh, I'm being told you want to open it with your mom?

[B]

Well, no. So my mom, My mom, she went to school to work on motorcycles, and I was like. And I told her, like, instead of working in a factory, she'd actually do what she enjoys and, like, actually use Mother.

[A]

You seem like you've been coddled by Mother.

[B]

I wish, but she's, like, in her 50s. She's, she's.

[A]

You seem like someone that would still be sucking the tit.

[B]

I mean, I love my mom. I mean, I don't know.

[A]

Okay.

[B]

Her tits are a little saggy, but, you know.

[A]

Okay. Do not start a business with saggy titty mother, please.

[B]

No, I wasn't planning on it. I just wanted to help her.

[A]

Why did you tell Colton that? Because I have the note from that. Well, because, well, or she wants to.

[B]

Right now she's working at a factory and she's not. And she has a degree at, like, from Phoenix, Arizona, for MIT or uti. I don't know the exact name for it. I don't know the name. I forget the exact name for it, but it's like the Mechanical Institute, like, for. And she took, she went to Phoenix specifically to get the degree, and she's not using it. And I told her I'd help her get it. Like, I wanted to help her to, like, pursue that.

[A]

Shopping is hard, right? But I found a better way. Stitch Fix online Personal styling makes it easy. I just give my stylist my size, style and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me, pieces plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started [e-mail] Spotify. That's stitchfix.com Spotify. What the. What are half the things you're saying? What even is this right now?

[B]

Mostly. But, you know, I agree.

[A]

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

[B]

I took the score and I think it gave me like one.

[A]

Okay. And do you want to take the score by taking the quiz? See where you're doing well, see where you're failing, where you need to improve? It just takes a few minutes and it is [e-mail] and you'll get your very own Hammer Financial score. And remember, if you don't want to be like a guest who ends up on this show, sign up for the Dollar Wise Budgeting app. It is my preferred budgeting app. It is where all guests use. It is what thousands of people sign up for on a daily basis. And if you want to save a lot of money, sign up for the annual version. And when you do, I will sign my budget Friendly cookbook and mail it directly to your door. Learn [e-mail] or click those links below. Let's jump into these documents. What a. What a start. Navy Federal. It's four vets. Well, or at least you got to know that or be related to one in some kind of way to get in. Right? And they love you because you have a literal $20,000 $53.99 balance. What the possibly is this? Lego? This is Titanic. What is this?

[B]

It's. It's Pokemon cards and the cash advances.

[A]

Basically, for the Pokemons and for the Legos, the cash advances for the toys. For the toy. What the. That is insane. In what world possibly is this considered reasonable in any way? Hey, by the way, how long does this take to pay off if you do not purchase on it and you only put your minimums towards it, which.

[B]

You do, I think about like 40 or 50, 31.

[A]

But that's still crazy. That is crazy. You'll be nearing retirement age.

[B]

I know. And that's kind of part of the reason where I was like, I started seeing your show and I was like, I really need to get My together. That's great because when I.

[A]

So you wanted to get your together when you started watching the show so you would do good things. Because we had, you know, a bit of money coming last month. I didn't see VA hit, but 4778 hit from payroll. What was the outflow? What was the outflow? Because you're learning, because you're doing things, you're getting your together. What was the outflow?

[B]

I. I actually have rocket money and I, I think it's at least seven.

[A]

Close. 7,000. $6,778.59. That was your outflow. So that's getting our shit together. That's. I'm getting better. That's. I've seen the show and I'm turning around. What the are you talking about? Never. Did you listen with the volume off? What were you doing?

[B]

Well, it's crazy.

[A]

Did you turn on the show, go into the other room and just sit there and goon.

[B]

It's even crazier because I didn't even. I didn't even process the idea that minimum payment would last like 30 years until I saw your show. And I was like, okay, so I'm. And.

[A]

And then you did nothing. Listen, I know when you see the number 30, you're like, ew, that's disgustingly ancient. That doesn't mean you can't start making progress towards it. You didn't do anything. You didn't do anything.

[B]

I'd rather just play with Legos, man.

[A]

I'm sorry that it's not a freshly 18 number.

[B]

Hey, those Legos are at least for 18 year olds. All right? At minimum.

[A]

So us getting our together is nothing because again, you spent more than you made. So you found the show. Oh, I need to get my together. Here's the wake up call. And then we do nothing with it.

[B]

Well, that month I'm pretty sure I sold. I had bought a Kia while my truck and your income.

[A]

Well, that would be included in your income.

[B]

Well, I bought a Kia when my truck and my journey were both getting worked on. And I fixed it up a little bit and like. And I actually sold it to my mom around that time. And I put the cash in there, I'm pretty sure.

[A]

Oh, I'm being told you put your closing costs on your house on this card as well.

[B]

I believe so.

[A]

That's insane. In what world did you think you were possibly ready for a house if you have to use a credit card for the closing costs? Well, luckily, Peoria's cheap.

[B]

Well, and luckily with the VA loan, it was like $1,000 for closing costs.

[A]

But that's, that's not what that necessarily means at all times. That doesn't mean. That's. Yes, that makes it easier to get in a housing. That doesn't mean it's necessarily a good thing for you because I doubt you had a fully funded emergency fund. And that means your equity position in the leniency, like in it in order to sell your house and not lose money and have to write a check was probably a micro dick size.

[B]

So it's even. I just kind of figured like instead of putting like 1,500 towards an apartment, it would be better to put like 1,100 towards a house and just like.

[A]

Have that actually not when you can't afford a house. Cause then it's a disaster.

[B]

And I actually had a kind of. I had roof repairs which that's another loan on there. And I think that's like a whole nother story on.

[A]

Let me guess, your roof wasn't good so you had to repair it. Yeah, yeah. Thrilling story.

[B]

So. Well, I was, I was on the roof and I read a book about that one. I'll put in my 13 Reasons why. But I basically I was on the roof clearing out the gutters and I. And there was like a weak spot and I. And I saw. I felt like I had to get it repaired. And when I was going through the process for the loan, I told him I couldn't get the loan because I had my truck payment.

[A]

And to clarify, you're joking about the 13 Reasons why thing, Correct?

[B]

Yeah.

[A]

Thank you. Because this would be a different conversation if. So. Okay. Your minimum monthly payment on here is $496.45. That show pussed out. That show pussed out. When it came to the guy bringing the AR15 to the school, I. I've.

[B]

Literally only seen like reels of it so that I have not watched it besides reels.

[A]

If they were going to be a full real world house is out there. They pussed out.

[B]

Oh yeah, like, like the Charlie Crick assassination.

[A]

What?

[B]

That was pretty crazy.

[A]

Yeah, that was crazy.

[B]

Did you see the video when it came out or when it happened?

[A]

I think everyone saw the video. That was many of which against our will.

[B]

Yeah.

[A]

What are you the one who did it?

[B]

No, I like Charlie Kirk. I made him my banner on Facebook before I deleted Facebook. Like a picture of him or like a painting? Uh huh.

[A]

What, after the death?

[B]

Yeah.

[A]

Well, it's very sad. No one should die. No, no one anytime should Die. But yeah, well, having this conversation with you, I'm afraid that you're gonna.

[B]

Do.

[A]

That to me later.

[B]

Buy me the Eiffel Tower. You might not have a problem. Get light set. You know, you'll really be my good graces.

[A]

So I have to bribe you for my life to buy an Eiffel Tower set?

[B]

Yeah.

[A]

Okay. Your minimum payment is substantial of $496.45 for your regular paycheck. That's already an eighth of your income. That's huge. That you. Well, more like a 16th. But even still, no. An eighth. Right. Yeah. You know, the holidays are coming when your fridge is full of leftovers and your living room is full of guests. And let me tell you, folding chairs from the garage doesn't cut it anymore. And that is why I started shopping on Wayfair. I got this cozy armchair that looks like it costs a fortune, but I got it during their Black Friday sale for way less. Plus, it showed up fast. And I don't have to lift anything heavier than my phone to order it. Wayfair is the go to for all things home. Furniture, Cookware, rugs, holiday decor. Yes, even the inflatable snowman your HOA probably hates.

[B]

Absolutely not.

[A]

No whimsical statuary visible from the street in the selection. You're not seeing the same basic stuff every other store has. It's actually fun to scroll. And right now, during their Black Friday sale, you can get up to 70% off. Don't miss out on the early Black Friday deals. Head to Wayfair.com to shop Wayfair's Black Friday deals for up to 70% off. That is. W A Y F A I.com sale ends December 7th. Now let's get back to the podcast. Okay. When it comes to numbers, you have nothing to say, do you? But when it comes to it's.

[B]

It's hard to argue. Numbers. Numbers.

[A]

Unless it's attached to the pair of tits. Right?

[B]

Well, you don't see that number, but.

[A]

You should clarify it.

[B]

Always Clarify. Always check IDs before you do anything. Verify age. Make sure it's not a fake id.

[A]

This is a. You'll be happy about this. Or maybe it's too high for you, but I don't know. An 18 interest rate? Dude, the interest charge this year so far is $2180.74.

[B]

I just. I thought I could afford it. I thought, you know, it's just part of my paycheck going out of the way, I thought.

[A]

Part of your paycheck? Yes. I'd say actually half. More than half of your paycheck has gone to interest this year so far on this card alone. And at the time of the statement, it was. It was just. Look at that. The payment, it was just. It was halfway through the year. So this will be an entire month's work that you've done will go to the interest on this card alone because you're putting dumb from your down payment from Legos, from Pokemon cash advances. And you'd be spending on it if it wasn't borderline maxed out. I know for a fact, based on your behavior and the spending of you spending more money than you make anyway. So. Yeah, I. I mean, a whole month of you out there grinding goes to this interest. Grinding this year.

[B]

Grinding for those Legos, man. Can't be grinding for miners.

[A]

Yeah, but you stop.

[B]

Gotta work. Gotta do legos. Get myself distracted.

[A]

What? So you don't do that?

[B]

Yeah.

[A]

Colton, any chance we can get a hard drive check in the post show, please? I don't want to look at it either in a more official capacity. Okay. Oh, okay. Yes. Grinding for the Legos. I agree. Remember, that entire month's worth of income could have gone to Legos, but instead of to Legos, just go into interest. So that's not grinding for Legos. That's grinding for your previous sets, not future sets.

[B]

And. Go on.

[A]

It's just trying to say it's just.

[B]

Easier just to ignore the problem and just kind of set it to the side and not think about it and just.

[A]

It is. Yeah, sand, it absolutely will. But once it gets to the point where you're unable to pay for a mortgage, then what do you do?

[B]

Then it just rolls downhill and everything.

[A]

Explain.

[B]

You lose your house. I mean, luckily, I've never lost a house. My house in Kansas, I actually lost. I had to pay a little bit of money in, but. And even then, I only got like a few hundred bucks out of it. You made money like a few hundred bucks on the one downstairs.

[A]

So you're going to end up in that situation again. And that's even if you're lucky.

[B]

Yeah. According to Zilla, my house is like one.

[A]

Okay. Colton wants me to ask to see your wish list cart currently.

[B]

Oh, my LEGO insider's cart.

[A]

Your LEGO insider's cart? Yeah. What's sitting in the cart for LEGO insiders?

[B]

Well, right now it's the. Let's see.

[A]

No, just show me. I want to see it. Yeah, I guess. You told Colton in the green room before this. He was just so Excited? Look at my Legos.

[B]

Yeah, well, it's more the wish list. The wish list is where all the stuff is. But yeah, in my bag I have the Eiffel Tower.

[A]

The Eiffel Tower, you. And then on the other list and.

[B]

The wish list, start screen recording too. Oh.

[A]

And I have nothing against Legos by the way. I really don't.

[B]

So on here I have like show.

[A]

Show, show, let's see. Give, give show. I'm afraid to touch this phone. $5,549.71 sitting in here. Ya. We got a Batman skyline backdrop, X wing starfighter, insect collection. I feel like I've seen those like just, just at like Barnes and Noble and not that. Captain Jack Sparrow's pirate ship. Okay, I thought it was called the Black Pearl, but. Gotcha. There's Jabba, Sail barge, the Eiffel Tower, a Milky way galaxy thing. Concord. Which we should bring back by the way. Bring back the Concord. Let us travel quicker. Ladies and gentlemen. Tie Interceptor flower arrangement. Instead of, you know, going and get a date and bringing her real life flowers. Yeah, that's great. Vince. Vince. Van Gogh, Starry Night. There's gonna go sunflowers, dinosaur fossils, steamboat, vending machine, shuttle, aircraft carrier. This is crazy. This is crazy. Mineral collection, Mona Lisa. By the way, she looks like she has down syndromes when she's the LEGO form. So I don't know if we're getting that.

[B]

I see myself in her. All right.

[A]

Yeah. Fountain garden traditional chess set. Do you play chess?

[B]

I have.

[A]

What the are we doing? Trevi Fountain. The Creeper, The Battle Droid. Enderman Tower. Disney Pixar minibus. Bonsai trees, Hibiscus, Noshwezkin castle, Game Boy. That's crazy. This is insane. This is insane. Don't you even come close to considering this. Don't you even come close to considering this. That is all. That is all. We are not going into debt for Down Syndrome, Mona Lisa. We're not. I'm sorry, we're not.

[B]

It's a self portrait. Come on. And then the plants, they'd never die. So just make them put them.

[A]

I have nothing against Legos. I don't really give a. What adults do. There's nothing wrong with labels. You're going into debt. And are we surprised that you can't get a girl to meet you? Are we not surprised? Do you have a dating profile?

[B]

I made a Tinder when I got here.

[A]

When you got to Austin?

[B]

Yeah.

[A]

Well, we will review that in the post show with our dating expert, B Dog.

[B]

I Don't know if I want his input. I know he went out with a kid recently.

[A]

It was an accident.

[B]

And it was same thing.

[A]

He tried to get her home safely instead of abusing his position like you would.

[B]

Abusing my age isn't abusing a position. An age isn't a position. It's constantly changing.

[A]

She tried to grab his dick when he was trying to get her home safely. Are you saying you wouldn't allow that? I know for a fact you and your situation would allow it.

[B]

No, I've been around kids. I don't let them just.

[A]

It was in his car.

[B]

Same effect. Dependency.

[A]

He acted very appropriate. I cannot say I have the confidence he would do the same. That's all I'm saying. PayPal credit. What's going on?

[B]

That's kind of my kryptonite right now. It's what I use more than anything.

[A]

Just because there is no way you have not gone for a happy massage.

[B]

I actually haven't.

[A]

Come on.

[B]

I really haven't.

[A]

The two people I've ever asked that to in the history of this show, I know for a fact have, and both say they haven't.

[B]

I really haven't. Like, I had a friend at my work who said that he'd go to them, but I genuinely have not.

[A]

I have heavy doubt if I did.

[B]

You'D paint on statement, wouldn't you?

[A]

Not necessarily.

[B]

Happy fun time, please. Happy ending. This episode is brought to you by Netflix from the creator of Homeland. Claire Danes and Matthew Rhys star in.

[A]

The new Netflix series the Beast in.

[B]

Me as ruthless rivals whose shared darkness will set them on a collision course with fatal consequences.

[A]

The Beast in Me is a riveting psychological cat and mouse story about guilt, justice, and doubt. You will not want to miss this.

[B]

The Beast in Me launches November 13, only on Netflix. Please.

[A]

Is that how it works?

[B]

You never know. You don't ever see. You don't see a massage on there, though.

[A]

Okay, well, you can get a massage. There's nothing wrong with getting a massage.

[B]

Yeah, well, I'm just saying you won't see one on there.

[A]

Well, maybe it wasn't in this month.

[B]

I mean, I got 250 bucks in my pocket.

[A]

Like, I don't know if they say on the statement, we do illegal behavior here. Okay, so PayPal credit. Yes. Continue with, by the way, fees. Great. Why? It was a late fee. $41 late fee, asshole.

[B]

Why? I just didn't watch my money close enough.

[A]

Why?

[B]

And I had, like, a bunch of payments come out at once, and that.

[A]

What?

[B]

That Was on automatic payments then.

[A]

That happens every time if it's automatic. So you should have been able to expect it. And you know, that would coming.

[B]

I. I think that was when my car was getting worked on. And they were char. They made me pay like $300 for electrical diagnosis, and I just didn't. I just. Like you said, I don't have. I don't have a savings or emergency fund. And that's kind of where I'm kind of going back and over and over and constantly at like, the limit of where I.

[A]

The minimum depayment is 41, right?

[B]

Yeah.

[A]

You couldn't make a 41 payment.

[B]

Not. Not when that late payment came.

[A]

You're hitting. You're going that low in your checking account, bringing in $6,300 a month.

[B]

When. Whenever I have an emergency. Yeah.

[A]

How much was the emergency then?

[B]

Well, it was. So it was an electrical diagnosis?

[A]

Yes. How much?

[B]

And they charged like $300 for it.

[A]

VA did not cover for electric.

[B]

For car.

[A]

I don't know. What is it? Wait, what was it?

[B]

A car.

[A]

A car.

[B]

Oh, it wasn't my journey. My journey. My Dodge.

[A]

Sorry, I thought it was something medical.

[B]

No, no, no.

[A]

300. So 300 make, makes or break? You making 63 without emergency fund. Yeah, it's not about an emergency fund. You should have. No, you should have a little bit of fluff in your checking account. So 300 payment popped up and that was an emergency that pushed us to the brink. Yet in the same month you spend $471.69 going out to eat. Make that make sense. Make that make sense, Mr. Tony. Make that make sense.

[B]

Some people like. Some people like the fluff. I gotta keep the fluff on. You know, the minority gotta be more obese.

[A]

You know, the minority like the fluff. Unless you're getting yourself a feeder.

[B]

Cushion for the pushing, you know?

[A]

Nope. It's not good to be fat as a fat man.

[B]

I've lost.

[A]

Not good in any way whatsoever. There is no benefit.

[B]

I've lost like £30.

[A]

Not in health, not an age, not in nothing. Not energy. There's no benefit.

[B]

I've lost like £30 in the past few months.

[A]

That's good. Certainly wasn't because you spent $500 going out to eat. You cannot tell me that you were late making a $41 payment because you had a $300 emergency pop up when you spent basically $500 going out to eat. You cannot tell me that. That is no sympathy. You would have sympathy with me if all the money coming in was going to minimum payments and. Minimum payments and living expenses only survival. And then something hits that you can't afford. That's an emergency. Yes, but that's not how this worked. You spent $500 going out to eat. That was the choice. That was you.

[B]

The McDonald's fries are pretty good.

[A]

They are. I love them. I am a fellow fe.

[B]

Especially when they're like, oh, buy $20 worth of stuff and then you get fries for free. It's like, all right, there we go. And then everything you buy there is like $10 cub.

[A]

There is no sympathy here. You were choosing that. You cannot complain. You cannot complain about a $300 purchase stacking up miscellaneous bull alone. This could be video games. It could be Pokemon, legos. That was $600 double what you said your emergency was that put you in the ground. So you. We're talking minimum. And we have other large purchases and unknown shopping that we're going to go through and find out if it's bull of that additional 1300. But either way, either way you had at minimum, at minimum eleven hundred dollars of bullshit. Minimum. And you're telling me $300 is what destroyed our life? You. That is immature. That is irresponsibility. That is not owning up for our own actions. That is not acting like an adult. That is a loser who was divorced because he couldn't keep his hands off his wife five years ago and stop his addictions and now can't land a single date going out and coping with his life.

[B]

I've had dates.

[A]

Did they know?

[B]

I mean, it's not something you talk about on a date. At least not the first date. Uh huh.

[A]

Talking to a girl at a bus stop is not a date. 35% interest rate. This is insane. This is insane. This is disgusting. This is unacceptable. You were late on that. You allow this in order for you to go to Mickey D's and get some Legos. This is not a life that you deserve as a human on this earth to have. But it is the one that you are choosing to live. Choosing to live again if everything was barely breaking even because you were just doing necessities and nothing else and you weren't around, you would have my full sympathy, full sympathy. And I would cry the tears with you. But you are blowing at minimum eleven hundred dollars on bull Bull over. That is a sixth of your income. The bull. And you cry to me about a $300 payment. You capital one business. Yeah, big business guy. What's your business? Is this the car repair Bullshit.

[B]

Yeah. I actually did make a llc. Llc.

[A]

Great. Really?

[B]

I used that card to buy some tools, basically. Oh, Yeah.

[A]

I have $150.85 a transaction, so. What's that?

[B]

Um, I think that was for pesti. They had a yearly subscription.

[A]

Huh. What's a pesti?

[B]

It's like a bug control. Like they. Basically a treatment system for your house so that you could keep. Like I was having ants come to my house, and I used that card a year before that transaction to pay for it.

[A]

1,500. $1.98 with the minimum payment of $50. $35.34 cents of interest accrued. Only making the minimum. And. And without purchasing, of which you do, by the way, this would take 15 years to pay off. So much longer than that.

[B]

Well, it has a pesi. Has a yearly subscription plan, and I.

[A]

Just forgot to cancel.

[B]

I did cancel, but. Good.

[A]

I mean, it's as easy as that, big guy. But you obviously spent more than just $150 recently to boost it up to this. 1500 to your business. That doesn't make money. Right, right, right, right. I don't want to hear it again.

[B]

I got a welder, though, so, you know, I. I've used it a few times.

[A]

Buddy, if you want to actually make some money somewhere, I'll get you a course career certification. If you look for a change in a career field, lots of people in our audience have done that, and it's boosted their income and they changed jobs. I'll do that for you. But what the is this? Your business isn't a business. It's a hobby. And you're justifying it to spend money on interest recruiting cards that you cannot pay off. I don't want to hear it.

[B]

Well, I. Actually, I. Since I was in the VA and I have disability, I also have the GI Bill, and I would like to get to the point where I could actually utilize it for.

[A]

What's that point? What do you view as being that point?

[B]

Lower payments and kind of have.

[A]

How can we get there if we spend 1100 dollars minimum on bull? Likely approaching 1500 to 2000.

[B]

Tighten up and stop buying Legos.

[A]

Sure. But you don't. So you haven't been.

[B]

I know that.

[A]

So you already know what you want to do, but clearly that is not what you care about. You care about the literal $5,000 sitting in your Lego.

[B]

I know that Eiffel Tower is calling my name right now. Honestly.

[A]

Huh?

[B]

That Eiffel Tower is really calling my name.

[A]

Why do we care about the Eiffel Tower. There's a fake one in Vegas.

[B]

It's French. You know, Homeland. Gotta, you know, enjoy it.

[A]

You were born in France.

[B]

No, shut the up.

[A]

I mean, you told Colton you were literally. You're going to buy it in the green room. You like you are going to buy.

[B]

I said if I'm gonna yell at it, I might as well buy it. What?

[A]

That makes no sense. Explain that, because that makes no sense to me.

[B]

I just. I. It's. I. It's just if I'm gonna get yelled at, it might as well buy it.

[A]

Not.

[B]

There's no point.

[A]

Hey, you just repeated it again. There's no point. Can you explain it?

[B]

There's no point in getting yelled about it if. Yelled about it if you're not just gonna do it anyways.

[A]

Huh?

[B]

If I'm gonna get yelled about something, I might as well do it.

[A]

I'm going to get arrested for something. I may as well do it. What are you like, what. What is this logic?

[B]

If I'm in trouble for it, why wouldn't I just do it?

[A]

What is this? That's the reason. That's not the reason, but that's certainly a negative consequence of doing something. Meaning it would be a reason to not do it.

[B]

Yeah, but then I could also get the dopamine of building it and having it in my collection and I could put lights on it and make it even cooler and, you know, maybe do some field trips to show it off.

[A]

Based on everything else you said in this conversation, this is not making me feel good about you leaving this building. $1,457.91 on this pro form financing. What is this pro form financing?

[B]

So that's actually a treadmill.

[A]

Ever used or put together?

[B]

Yeah, it's in my garage. I have a little. So my house has a three car, three bay garage and one bay. I have a weight set and then my treadmill. The other bay is the rat rod. And the last bay is where I have, like, my tools.

[A]

So you have $1,457.91 on the treadmill. Must be a pretty nice treadmill with a $45 minimum monthly payment. Now, this is interest free. Is there deferred interest?

[B]

No. As long as I make every single payment.

[A]

I have a second page.

[B]

As long as I make every single payment, it'll be interest free, which the.

[A]

Reason I kind of equal 39 payments.

[B]

Which that's kind of the reason.

[A]

Okay. Yeah, that is true.

[B]

That's kind of the reason I went for it is because I was already Paying for a gym membership.

[A]

Yeah, sure, I get that. But here's the thing with you. The fact is you're just adding more debt to the pile. More minimum payments to the pile that you can no longer control. And with that again, remember, you have a $45 payment. The $41 payment from the PayPal credit you missed. Like adding more minimum payment. A gym, you can cancel, you can go on walks. I would like you to have a gym. Absolutely. But worse comes to worse, you can get rid of it. You can't get rid of this. You can try to sell it, but you're not going to be able to eat the entire amount. So with this, you're just adding more to the pile of minimum payments that you cannot control. And it's going to you come time for another $300 payment to hit.

[B]

It's also got a four year warranty on it. So if anything goes good, I don't give a.

[A]

Listen, Jim doesn't have a warranty, doesn't need a warranty. They'll fix their. This makes no sense. This is. You are obligated to Pay illegally contracted $1500. You can cancel a gym now. Again, I want you to go to the gym, but you're in a situation where you literally told me you couldn't make a $41 minimum fee payment on the PayPal. You were late on that. Why would I want an advocate for you adding a $45 minimum to payment from this pro form financing, even if it is for an item on a payment plan that is decent.

[B]

It'S just easier to. It just makes it easier and it makes it. I, I figured it would be worth it in the sense of having the availability just oh, go out to the garage, work out, go.

[A]

Sure. But you can also run outside or walk outside as well, or jog outside. Whatever you're doing on the treadmill, it's just easier. So you're in Peoria. It's not even that hot.

[B]

It's been pretty hot.

[A]

It's not hot. I am from the Midwest. Shut the up. You don't know how you've never heard hot in your life.

[B]

It's actually. No, my garage is actually cooler because of.

[A]

No, it doesn't matter. You are not hot outside. It is. Okay, go run.

[B]

90 degrees is pretty hot.

[A]

Oh, 90 degrees. Oh, sounds like a nice fall day. Shut the upper.

[B]

No, 70 degrees is a nice fall day.

[A]

Exactly. That's what I'm saying. It's not hot there. Shut up, you're fine. People run here at 110.

[B]

I got a bad hip. It just makes it easier having the.

[A]

Smooth, which I can vibe with, but then go to the gym to do it again. You can. If you cannot afford a $42 minimum payment, you cannot afford this. It is good financing. It is a good purchase.

[B]

30. The gym membership was 30. So 45, which you can get out.

[A]

Of when you need to. And 30 is cheaper. I don't know if you know how numbers work.

[B]

It is cheaper, but long term, 45, I would have that. And on top of the four year warranty, it just ensures a long term investment.

[A]

Shut the up Affirm. What is going on? I hear you were not able to pull it up. As my document says, he couldn't figure it out. What the. What is even the affirm.

[B]

So my sister actually has been asking me to take her to a Billie Eilish concert. And so basically I just affirmed the tickets. And basically the whole Travel plan was 1200. Yeah. Thing pretty much. Oh, well. So she's great.

[A]

I've seen her in concert. You can't afford it, your sister. I don't care.

[B]

The concert was like 600 and then basically that's the flights in the Expedia package.

[A]

Where's the concert?

[B]

Florida.

[A]

Why'd you go to the Florida one? Do something closer also. You can't afford it. And listen again, we all love Billie Eilish, especially us Gooners. They are substantial. But you cannot afford this in any way whatsoever, especially for double people.

[B]

Well, we're actually bringing her boyfriend's daughter with us because she promised her that. My sister promised her.

[A]

You pay for that?

[B]

No. So.

[A]

But you paid for your sister.

[B]

I paid. I paid you. I paid the majority.

[A]

How old's your sister?

[B]

She's 26.

[A]

You. She can pay for her own damn tickets. You can't afford this. You can't afford you going alone.

[B]

She. She actually gave me $800 towards the total.

[A]

Great. You still can't go. You shouldn't. This is not something you can do. I want you to have these experiences, but not when you've done everything in your life to just live for fun now and pay for it later. Now is later. You can't do it. You're still paying for your McDonald's from three years ago. Like this doesn't make sense anymore. This is what a responsible adult does. She sacrifices.

[B]

She's been asking to go for like the past two years. Go then.

[A]

She can go then and she can go then. She is. She.

[B]

We have the same mom, so probably she's 26.

[A]

She can go herself. She can go with. I hear she has a boyfriend. That's the rumor.

[B]

I heard he's not. He doesn't like going to social stuff.

[A]

Doesn't matter. She can still go. And with the kid as well.

[B]

Yeah, well, and it's funny because when I landed in Dallas.

[A]

That's hilarious.

[B]

She messaged me saying that she wants to go see corn at some point.

[A]

I don't. I still don't care what she wants to see. Travel. Why does she want to see matter at all in any way whatsoever? You are not her. You are not her father. You are not her boyfriend. I don't give a. If you can afford it, then you do it and we celebrate that you cannot. You are still paying for Pokemon literally over five years ago. So I do not want to hear this. Corn. Shut up.

[B]

Well, she. She's done a lot for me. I'd rather just, you know, enjoy. I want to spend time with my sister.

[A]

Spend time with your sister? You do not need to spend 1200 hours to spend time with your sister. And if you do, she's a bad sister.

[B]

Well, it's either that or we go out and get plastered on Everclear. So, you know, it's one or the other.

[A]

You can't go to a park and enjoy the sunset.

[B]

No, it's easier to talk and have. Have a conversation when you're drunk.

[A]

Oh, your life sucks. What's your minimum depayment to a firm?

[B]

I think it's like $200. Because I did the zero interest if paid in this amount of time.

[A]

Reminder. You can't make a $41 payment. So we'll see how this goes. Especially look, now we have another substantial minimum payment. This must be the truck, right?

[B]

That's the truck.

[A]

$40,648.77.

[B]

That's the truck and roof repair.

[A]

What?

[B]

So when I was going through the roof repair or when I was looking into it, they offered to give me cash to put towards the truck to make the payment for the roof repair more feasible.

[A]

How much did the roof repair cost?

[B]

23. And then they gave me 17 to pay towards my truck.

[A]

What's the truck worth?

[B]

Today I actually took it in to see if I couldn't sell it, and they said they'd give me eight for it.

[A]

Yeah, you owe $40,000 on an 8,000 hour truck.

[B]

Well, it's the roof and the truck. It's the roof, but the debt is.

[A]

Likely tied to it. You have a $40,000 debt lien on an $8,000 truck. That is insane.

[B]

I don't know if that debt is leaned against the truck because they didn't. They don't have the title for it.

[A]

What's the interest rate on this?

[B]

15%.

[A]

Oh, for something. We are underwater on by $32,000. $32,000 underwater. We're underwater by over the original. Shut up. 75% over that. And then we have a 15% interest rate of death on that. Oh, my gosh, guy. Oh, my goodness. What have you done?

[B]

The original interest rate on the truck when I first got it was like 18, so I saw 15. I thought it'd be better.

[A]

Oh, and you're considering solar? He's considering financing solar. You live in the Midwest. Clouds.

[B]

They. They did the Clouds. They did the service and they said I could.

[A]

Yeah, the salesman said what? Yeah, what did the salesman say?

[B]

$150 a month. A 2.5% increase.

[A]

Okay.

[B]

For leasing the solar panels. And they would prepare the rest of my roof, basically.

[A]

Huh. Huh. Okay. Now, Mr. B dog, Brandon, the one vetting your profile, the translator. You know him, you love him. Sold solars door to door at one point. Please tell us, how good of a deal is he getting?

[B]

You're getting fucked.

[A]

Do not consider this. Do not consider this. He literally sold this product. He's doing the exact. He did the exact same job that you are being sold to.

[B]

My electric bill is like $300.

[A]

Oh, my goodness. He fell for every talking point. He fell for every talking point and he's now parroting them. Dude, are you kidding me? I'm just. Solar can be good if you're in Arizona, Texas or California. You ain't. You ain't you tit.

[B]

The roof repair is the main reason I was interested in it.

[A]

Because roof has been repaired.

[B]

Well, no, that loan was for like a set. My roof is huge. Like, there's multiple layers and multiple angles and so the solar was.

[A]

You have a McMansion. Well, how many square feet you got?

[B]

I don't. I don't know the exact. I don't know the exact square feet.

[A]

Ish. How many bed. How many bath?

[B]

It's three bed, two bath. And there's also another room which I would consider a bedroom, but it's an office probably. It's a pretty good size, though. You can fit a bed, but it's an office. Yeah, I use it as my.

[A]

Okay, you probably have like a 15 to 2000 square foot. 1500 to 2000 square foot house. Your roof isn't that crazy.

[B]

If you saw it, you'd Understand?

[A]

It probably has weird McMansion cravies.

[B]

Yeah, you'd understand.

[A]

I get it. I know houses.

[B]

But basically they said that they prepare the whole garage roof, and then basically where the solar panels were going, which is my garage. And then the.

[A]

You're getting these fucking solar panels?

[B]

No.

[A]

Oh, my goodness, no. You're convinced you're sold? You've been sold?

[B]

I was in the process of actually doing it, and then they canceled it. And I think it was because of the tariffs. Like, because when, you know they canceled. I think so, because I just looked at it and it said, pending, pending, pending, pending. And it's been like that for the past two years.

[A]

Good. Let it be pending forever. Please, please. 15% on a car. We're underwater by over 75%. Disgusting. Disgusting in every way whatsoever. Another Navy Federal. This looks like a personal loan, right? What's this for?

[B]

I think that that might be for the.

[A]

For the what? For the trucking debt on the truck.

[B]

Well, so like I said, the roof repair loan, they gave me 17 to put towards the truck, but I still had 4,000 I had to go. That I needed to finance. And I wanted to get out of the loan that was in with a different bank than Navy Federal because it was at 18%. And so I went to a lower interest rate.

[A]

Ladies and gentlemen, this is one of you. Every single person who comes on the show, watches the show and is from the audience. This is one of you. This is your neighbor. This is your friend. This is your family. We do not talk about personal finances in this capacity in this country. This is what people are doing out there. This is the most. This is insane. What the actual potential.

[B]

Well, that's part of what ruined my marriage, is not talking about finances.

[A]

Yeah, yeah, that's what it was.

[B]

I said part.

[A]

Yeah. That was hard. That was hard.

[B]

You like your gamer subs, ladies and gentlemen? Huh? Like your gamer gamer subs?

[A]

I like gamer subs, but you can have normal. Yeah, look, it's Charlie's gift juice. You picked the most.

[B]

You picked the most mundane one over there.

[A]

She drinks gamer stuff. GG Caleb. Link below. You can also get free samples to see if you like it more affordable than your dumbass gas station purchases for like $5. This is like making your own coffee at home. And it tastes better. I do promise that. Yes. Yeah, it's okay to be a little gooner, but guys, ladies and gentlemen, whatever just happened to good old classic? Just sit down at your computer, open up the screen, get a. Just a nice big fake pair of Tits from probably like a 32 year old woman pretending like she's 25 with a dude who's like 80, pretending like he's 60.

[B]

So like confidence type.

[A]

Yes, exactly. Okay, you're parasocial. Whatever happened to just classic? Why do we got to bring tentacles into things? Why do we got to bring.

[B]

Why do we have Jeffrey. Jeffrey Epstein's island, man?

[A]

I don't know. I feel like.

[B]

Because people.

[A]

Better to answer that.

[B]

People just want to up the ante constantly.

[A]

Guys, just jerk off. The regular.

[B]

Please, no tentacles. I don't want it. Come on, man, don't say that.

[A]

Don't say that. Do you guys know what that is? Do you guys know what he's saying? It's drawings of children.

[B]

No, no.

[A]

Yes.

[B]

500 year witches, all right? They're immortals.

[A]

Don't do this. Don't try to do more. Do not do defensive. Listen, I've made crazy jokes in my life. I've made crazy jokes in group chats. Listen, I've gotten cooked for them, but they're jokes. You are going too far on this. This is crazy. This is absolutely crazy. Okay, so truck 2.0, I guess $4,824.99. The minimum monthly payment. $92. This is going to take forever to pay off. $92.18.

[B]

Yeah, I think it's that low because I got the longest term and an 11% interest rate.

[A]

Wonderful mortgage. $142,544.58. 5.25% interest rate. Not. Not bad.

[B]

It was originally like 7.125.

[A]

You refinanced?

[B]

Yeah.

[A]

Or you bought down?

[B]

Okay, I refinanced to the 5.25.

[A]

It's interesting. $1,187.42. Type in your address, big boy. Yeah, you'd pretty much break even if you sold today. Except not really because you have the closing costs on a credit card. But you'd break even after all fees and realtors and land.

[B]

Zillow always goes more than it's actually worth.

[A]

Yeah, Zillow gets a little excited. Not a bad house, though. It's. It's cute. His roof is not that crazy. It's just couple layered roof and he tried to make it sound like it was something insane. Well, it also goes, buddy. It's a roof. It's got a couple different. It has angles, guys. This roof has angles.

[B]

More angles. Come on, man.

[A]

It's a house. Calm down. You have tit, dude. You tet. It's not a bad house. You'd break even today, so I'm. I'm okay with that. Okay. It's a cute, cute house. 419 on our checking account. 414. Five in savings. It's not good ATM withdrawal. Who knows where that went? $23. Stopping in the gas station, getting $3.19. Of what?

[B]

Probably an energy drink.

[A]

Exactly. That's why the gamer substitute the gamer. It's 25 cents a serving. Which one do you want? Which one do you want?

[B]

I don't know. I don't know what the flavors are. Whichever one has the biggest boobs, I guess.

[A]

Well, this one's incel tears, which he desperately has and needs. This one's very good. I tried it the other day. That's what I took home with me. That one's yummy.

[B]

There you go.

[A]

You can make it right now. You can shake it up. Go ahead, put it in.

[B]

I should try it.

[A]

25 cents a serving instead of your stupid $4 purchase.

[B]

Well, actually, I have a Costco membership, too, which I've been getting a Lonnie from Costco.

[A]

That's good for buying a bulk. This is still cheaper, though. It's like making your coffee instead of going to Starbucks. Yeah, give it a good shake. Give it a good shake. Hey, stopped and got some more. Give it more of a shake. Dude, you gotta shake 30 seconds in, all over paperwork. Well, it's because you're a messy. That's. Those are incel tears.

[B]

Good, man. Sloppy's good.

[A]

Soppy Toppy, buddy, you haven't been near a mouth in a long time. Champion Express. It does smell good. That's the. That's the tropical one. I really do like that one. Amazon Arby's. Good.

[B]

Yeah, really good.

[A]

Amazon Arby's. Listen, they're goony. They're goony, but they are actually really yummy. Venmo Legend. Legend of something.

[B]

No, Legend of Slime. That's. That's a mobile game.

[A]

You're buying in app. Mobile. Yes, off Champion Express. Amazon going in, getting an energy drink. You take that going in and getting an energy drink. McDonald's, you got premium Amazon going in, getting some bull Bumble Dating. Yeah, so you got bumble too?

[B]

Well, no. Deleted it.

[A]

You're paying for it.

[B]

Well, when that girl, like, deleted me off everything, I just deleted it. I was like this. And anytime I get Steam Game going.

[A]

In, getting an energy drink. More Bumble Car Wash. Come on, it's not even winter yet. You Amazon Sonic Car Wash. Ew. It's not even winter yet. There's the Legend of Slime. Again. Ghost invite. It's another in app dumb game. Stopping in, getting an energy drink. Another in app game purchase. Sonic. Another in app game purchase. Ghost Invasion. Energy drink. Energy drink. Energy drink. Car wash. You it's not winter. Going in and getting some bullshit. Ultimate Microsoft. Microsoft Ultimate Spotify. Going in, getting an energy drink. Going in, getting in an energy drink. Prime video. Ghost Invasion. Snake Crusty something. I don't know. It's another in app game. Zynga. You got the in app, went in, got some bull from the gas station. Amazon. Ghost Invasion. Ghost Invasion. Ghost Invasion. This is sad and disgusting and depressing. Getting an energy drink. Culver's now that's good but you still can't afford it. Kobe revolving sushi. Kobe. Legend of Slime or whatever. The Amazon. I think you rented a movie or bought a movie and then Legend of Slime. Legend of slime. Ebay going in, getting some bullshit and then pub 60 bucks. Crazy again. Listen, get whatever you want. Get. Get whatever you want, okay? We'll send you some gamer subs or something so you can stop going and blowing hundreds on this, okay?

[B]

Okay.

[A]

10% off. Link in the description below or get your free samples. Type in code. Hammer retirement surprising at $8179. Is that the company you work at? Yeah, the car one, yeah. Oh, that's cool. We're bleeping it for the name, but no, they had a factory there. But it is the Rust Belt.

[B]

Well, it's in. That's where the factory is. Specifically.

[A]

I'll be honest. Many things you said in this conversation have been concerning. And the way you had a relationship with your ex is concerning. And then just everything this is. It's all concerning.

[B]

That's why I'm single right now. Part of the reason.

[A]

Okay, 6300. We're putting for the income. All right. Debt payments. Navy Federal Credit Card 486.45. PayPal credit 41.50for the capital one business, 45 for the pro form financing, 200 for a firm, 641.91 for the truck and roof. And then the truck 2.0 is $92.18. And then we'll do the mortgage separately. But your debt minimum fee payments, not including mortgage is $1,566.54. Then our mortgage is sitting at $1,187.42 now. Utilities and everything combined. Internet, utilities, gas, electric. What? How much?

[B]

I think it's like 500, 400.

[A]

I'll do five.

[B]

Phone bill, 80 and I actually I. Where I work, they offer a phone, like stipend or like, basically like do it. There's a couple of. I do, I do, I do. Like if every month I have to submit my bill. And that's included in your pay? Yes, I think it is.

[A]

It's 80 bucks. And remember, we did include the rent that his roommate gives him in that 63 that comes in. So hopefully that person doesn't leave. Or else you get 800 bucks. But either way, gas. Vroom. From drive. Drive. How much a month?

[B]

Probably like 100 bucks if I had to guess.

[A]

Just sit inside getting in and out purchases all day.

[B]

Minecraft, Man, I'm playing it constantly.

[A]

Oh, we know. Car insurance.

[B]

I think it's like my last bill is like 120.

[A]

Okay. You can do 300 hours of food, groceries, meal plan, cook a few times a week, warm it up, lots of overnight oats. You're gonna be doing good, yummy things. It's all healthy. It's three meals a day plus snack and dessert. You'll be fine. Meal prep.

[B]

I actually got overnight oats from Costco because they have like a bigger box.

[A]

Okay. That's probably a more expensive way to do it, but we'll see. $100 for TV, fun and anything else you need to survive. Medical or healthcare. You have co pays and stuff to do.

[B]

I have VA medical, so.

[A]

Okay. Besides like subscriptions, let's try to do 50 because you got some games. Do you have any pets, please? No.

[B]

I have a dog.

[A]

Age and health.

[B]

He's five and he's. He's pretty good.

[A]

$50 for pet insurance. How much for dog food?

[B]

I'd say like 30 bucks a month. I just get a big.

[A]

Anything else that needs to be in your budget that I have not taken into account?

[B]

I don't believe so.

[A]

Okay, well, we got wiggle room for days, meaning your debt situation is absolutely moronic. So $4083. So what I will do is give you. What is that? 417. $416 for fun in your budget, which brings you to 4500. 6300 divided by 4500. That means you have an extra $1800 even after fun. Because you being in this debt is the dumbest a piece of no reason for you to be in debt.

[B]

I might be able to get the Eiffel Tower with that.

[A]

Shut the up. You have 72, 000 hours of bad debt. 1800amonth to put towards it takes 40 months to pay off. That is not that Bad, given how substantial the debt is. Just over three years. Call it four years when we get the entire emergency fund and everything together. You have a little wiggle room there. You're totally fine. Dude. This is gonna be a little bit of a grind, but I gave you fun money.

[B]

Off.

[A]

Golf off.

[B]

Well, I actually got in an argument with a friend about wanting to tighten down recently because I told him I was kind of looking at Jet skis and then he started buying Jet skis and said he was really looking forward to me buying a Jet Ski from him. And I was like, I can't. And I got in a little bit of a confrontation about it.

[A]

Great. Maybe we'll talk more about that in the post show. We're also going to call his mom in the post show and do the dating app. Do the dating app audit as well. But let's get his Hammer Financial score. Hammer Financial Score. Spending a budget. Overspend 010 debt. No collections. He could pay off this debt. He's being moronic with it and he missed the payment. But it's a 2 out of 10 debt wise emergency fund. There was nothing. 0 out of 10. Retirement definitely behind for your age, but at least you got something there. I'm gonna give it a 2 out of 10. Real estate. Real estate. Yeah. I mean you break even, you don't have an incredible equity position. You still got to do some things to the roof it sounds like. So I'm going to give it a 6 out of 10 because of some things you just got to take care of and then get more of a position in the marketplace. It's going to be a Hammer financial score 2 out of 10. Take [e-mail] and now click join. See an extra 20 minutes of this episode by subscribing to Hammer Elite where you get three premium shows posted every single day Monday through Friday, including this financial auto post show. See you there. There's a protective order against him from his wife.

[B]

Literally the most I did after, after we had separated was I left her stuff at her parents house for her.

[A]

To say that she feels in danger. This is insane. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise.