Str*pper Exposed On Financial Audit

Summary

Financial Audit Podcast

Episode: “Str*pper Exposed On Financial Audit”

Host: Caleb Hammer
Guests: August (27), Jade (25)
Date: April 24, 2026

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Episode Overview

This intense, candid episode of Financial Audit dives into the financial chaos, relationship dynamics, and emotional struggles of August and Jade, a lesbian couple from New Orleans. August is a bartender and psychology student, while Jade is a stripper and legal abstractor (with a son from a previous relationship). The conversation covers boundary-breaking, money management, debt, family responsibility, and open relationship conflict—layered with dark humor and Caleb’s classic, direct style.

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Key Discussion Points

1. Relationship Dynamics and Emotional Labor

• Roles and Resentment: August feels like the “slave” in the relationship, carrying all the emotional and practical labor (cooking, cleaning, paying and planning for dates).
  • August: “I literally do everything.” (03:13)
• Lack of Affection: August wants more acts of love and affection, like small gestures (“hand on the lap,” “random kisses”), which Jade resists or dismisses.
  • August: “Actions. Louder than her words.” (05:58)
• Boundary Issues: Ongoing anxiety over Jade texting/flirting with other men from her work as a stripper. August seeks boundaries, but Jade admits to “liking attention.”
  • Caleb: “If she is saying, do not send images to this man, I do not like—no shit, she’s not trusting you. This is cheating.” (13:36)

2. Open Relationship Confusion and Cheating Accusations

• Sending Nudes and Flirtation: Jade has been sending explicit images to men against August’s wishes, leading to accusations of cheating.
  • Caleb: “That’s full flap being sent to another man…This is cheating.” (12:14, 13:36)
  • Jade: “I just like to flirt. I like to look at it.” (97:13)
• Flirting vs Actual Infidelity: Jade insists it’s just for attention; August cares less about the flirtation than the lying.
  • August: “My biggest issue with her is the lying. I’d be fine with the pictures being sent…” (25:16)
• Past Engagement and Bisexual Crisis: The couple was engaged, but Jade’s uncertainty about sexual orientation and continued flirtation with men led to the engagement’s collapse.
  • Jade: “It was more like a bisexual crisis.” (16:29)

3. Family & Parental Responsibilities

• Jade’s Son: Jade became a mother at 18; August participates in raising the child. No financial support from the child’s father.
  • Jade: “I started college and got knocked up.” (26:11)
  • Jade: “He did tell me that he was pretty sure he was sterile because he has type 1 diabetes. I was 18. Why would I know better?” (26:21)
• Living Situation: Four generations living in one house, soon moving out on their own.
  • August: “We did get approved for the apartment yesterday though. So we will be moving out.” (28:05)

4. Income and Spending

• Earning Potential:
  • August (bartender): $3,500–$4,000/month.
  • Jade (stripper + legal abstractor): $7,000/month (approx. $1,300 from the abstractor job, rest from stripping/tips).
    • “Are you trusted with legal files?” “Yeah, and how much you paid? …About $1,300 every two weeks.” (19:44–19:53)
• Spending Habits:
  • Both heavily overspend on “fun” items: gifts, trinkets, Pokémon, toys, self-tanning, Squishmallows, random shopping trips, vaping (~$3,328/year).
  • Massive impulsivity and lack of price-checking; “We both agree on doing poorly.” (37:34)
  • Frequent overdraft fees and minimum credit card payments.

5. Debt Crisis

• Massive Combined Debt: Over $72,000—primarily Jade’s student loans, car loans, Klarna/credit card debt, and some collection accounts.
  • Caleb: “$72,845…And this princess treatment is only leading us deeper in the hole.” (31:11)
• Credit Management: Both have poor control—minimum payments only, multiple late fees (Jade: two late fees in three months (75:46)), new car bought while underwater on previous car, use of Buy Now Pay Later apps (Klarna, Affirm) with items already in collections.
  • Caleb: “You cannot open a credit card if you cannot fully pay it off. That is the entire way.” (81:12)
• Misplaced Priorities: Both prioritize instant gratification over necessities, with little knowledge of basic budgeting tools.
  • Caleb: “You guys actually make six figures a year combined.”
    August: “Yeah, like we’re not poor.”
    Caleb: “Yes, you are. That’s what I’m trying to say.” (77:02)

6. Budgeting and Household Finances

• Budget Attempt: Caleb walks them through a quick household budgeting exercise; they could be financially secure if they cut spending and prioritized, with $5,000/month potentially left after minimum bills.
  • “It literally takes eight and a half months and you get a fully funded emergency fund.” (95:22)
• Financial Score: Household financial score: 0.5/10.
  • “Zero out of ten because you overspent, debt there’s collection, zero out of ten, emergency fund…2 out of 10…Hammer Financial Score 0.5 out of 10.” (96:40)

7. Emotional and Mental Health Factors

• Jade reveals she has Borderline Personality Disorder (BPD), contributing to emotional volatility, outbursts, and difficulties with communication.
  • Jade: “So I have bpd... I get like, rageful.” (44:14, 45:34)
• Communication Breakdown: August feels invalidated; Jade overwhelmed and unable to give the consistent reassurance August seeks—classic push-pull dynamic.

8. Recurring Patterns and Notable Quotes

• Cycle of Fighting: Most arguments now center on boundaries, attention, lack of affection, and emotional needs.
  • August: “I bring up a boundary…she just makes it impossible.” (42:13)
• Self-Awareness Mixed With Deflection: Jade: “I don’t look at price tags. Like, if I see it and I want it, I’m getting it.” (38:16)
• Humor and Dark Sarcasm: Caleb’s style is relentless, sarcastic, and often brutal—but the guests are mostly receptive.
  • Caleb: “Your entire life is a joke.” (79:21)
  • “You overdrafted the other day, literally yesterday, the day before coming on financial audit, you overdrafted. Shut the up.” (59:01)
  • “You guys have a trillion Legos in your carts and stupid…” (79:05)

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Memorable Moments and Quotes (Timestamps)

• On Relationship Roles:
  • “I cook, clean, plan the dates, pay for the dates.” – August (03:00)
• On Boundaries and Cheating:
  • “That’s full flap being sent to another man…This is cheating.” – Caleb (12:14; repeated 13:36)
• On Financial Irresponsibility:
  • “You guys are just control your spending and budget. Budget together. Shut the up children.” – Caleb (95:22)
• On Emotional Breakdown:
  • “My biggest issue with her is the lying. I'd be fine with the pictures being sent. I’d be fine with whatever.” – August (25:16)
• On Communication and BPD:
  • “When my emotions are really high, she wants me to coddle her. But I’m also upset, so I need to cool down before I’m able to have clear thoughts.” – Jade (44:14)
• On Financial Score:
  • “Hammer Financial Score 0.5 out of 10. Get yourself [help].” – Caleb (96:42)
• On Overdrafting:
  • “You just overdrafted the other day, literally yesterday, the day before coming on financial audit, you overdrafted. Shut the up.” – Caleb (59:01)
• On Stripping and Work:
  • “What is he even paying for? You got no boobs.” – Caleb (12:40)
  • “Are you sending nudes during the slow season?” – Caleb (53:41)

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Timestamps for Key Segments

• 02:15: Introductions & dynamic—August feels like the “slave”
• 05:04: Jade’s flirting/texts and issues with boundaries
• 12:00–14:00: Cheating accusations; Jade sending nudes
• 16:27: Engagement called off: “bisexual crisis”
• 18:47–19:50: Their incomes (bartender/stripper/abstractor)
• 28:05: Approved for their own apartment
• 31:11: Debt: $72,845
• 37:34: Overspending agreement: “We both agree on doing poorly.”
• 44:14: Jade’s BPD and its effect on emotional regulation
• 53:41: Overdrafts, slow season, and risky finances
• 62:07: $10,000 spent on Squishmallows
• 95:22: Budgeting exercise/solution: how quickly they could stabilize finances
• 96:40: Hammer Financial Score: 0.5

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Conclusion

This episode is a roller coaster of candid admissions, relationship wounds, and unfiltered financial truths. Caleb’s blunt assessment makes clear: despite six-figure household income, August and Jade are drowning due to unchecked spending, lack of communication, and poor boundaries. Their path to financial health is possible—but only if dramatic behavioral change and honest communication take place.

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Listen on YouTube or your favorite podcast app.
Apply to be audited at calebhammer.com.

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Transcript

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[B]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. What DM did you see that? Just with you. Pull it up. Let's see. Oh my goodness. How do you feel about her texting? Because I'm scrolling up for like hours I hate. Okay. Have you tried to put a boundary on?

[A]

Yes.

[B]

And.

[A]

And then I have too many emotions and I'm putting her in a boundary.

[C]

Okay. She also woke me up at my sleep.

[A]

Okay, but she lied.

[B]

If she is saying do not send images to this man, I do not like. No shit. She's not trusting you. This is. This is cheating.

[C]

I'm the princess.

[B]

Princess is sending you Mad Men.

[C]

Oh, I don't know how to word it better than like I call the shots.

[B]

You know, I think you should probably just leave.

[C]

You couldn't pay her to.

[B]

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[A]

My name is August. I'm 27 years old.

[C]

I'm Jade. I'm 25 years old.

[A]

We're from New Orleans, Louisiana, and this is financial audit.

[B]

Feel like I'm doing some kind of mediation thing here. I looked over, saw what the thing is, says I'm coming on because my girlfriend treats me like a slave. Well, you're both women, so I don't know which girl treats the other girl like a slave. I have a feeling I'm doing some immediate who treats who like a slave? What slavery is going on. Glad we're both white.

[A]

At least I am the slave.

[B]

You're the slave?

[A]

Yes.

[B]

The butch one. The butcher one.

[A]

Offensive. I'm not a butch butcher. I'm a mask, but that's fine.

[B]

Yeah. Mask, top, bottom.

[A]

No. I cook, clean, plan the dates, pay for the dates.

[C]

I'm a princess.

[A]

She does nothing.

[B]

But you cook, clean.

[A]

You're.

[B]

You're like the submissive housewife, but. But also the man.

[A]

Yes. I literally do everything.

[B]

So what's the issue? If I'm going to mediate, I want to know the. Is going on.

[A]

She. I'd be fine doing all this stuff if she just, like, gave me a little bit more of, like, affection or, like, emotional understanding, Some kind of, like, clarity.

[B]

Can I give you that? You seem like the emotional one. You're like the.

[C]

Exactly, I'm the emotional one. I. I am bi. So, like, being with girls is a bit harder, for sure.

[B]

Well, yeah, it takes more work down there, if that's what you're talking about.

[C]

Yeah. Like, I can barely handle my own emotions. I'm supposed to handle that way.

[B]

Yes. No. Yeah. Let me tell you, anytime I have

[A]

an emotion, it's like, it's over. She's immediately angry.

[B]

What do you do? You just crash out on her the moment she. This makes no sense because that, like, matches with your aura, and you're, like, swapping. You're like, again, the butch one. You're the.

[A]

Okay, I'm still a girl. Like, I might. I. I wear the boy clothes.

[B]

Yes, yes, yes, yes. And the things. I'm just saying. Stereotype, you know, stereotypically. Okay, so what happens? You break down and you just, like.

[C]

I mean, I just. I feel like I get really frustrated really easily because, again, like, I can't even handle my own emotions. Caleb.

[A]

Some immediate yelling. I'll be like, I'm calm.

[C]

Like, why are you yelling? I'm screaming.

[B]

Okay, well, she just said yes. Hey, the one that's saying you do says you do. Give me an example. What's the last fight we had? I assume it was something related to Coming out on this show, someone's probably

[A]

up here more so has to do with her job.

[B]

Okay, so tell me what happened. What was the conversation?

[C]

Take a while.

[B]

What was the conversation?

[A]

She has man hoes in her phone.

[C]

She acts like she doesn't have her own.

[A]

Okay. But like, I don't. I go through the text messages every now and again.

[C]

It's very like flirting now and again is crazy. It is constant.

[A]

She gives me no reassurance to feel stable in the relationship. Like my position is safe.

[C]

Strongly disagree.

[B]

Give your point then, because I have no. I am kind of unheard of.

[C]

Reminds her like, I. I want to be with her. When we first talked about, like our whole arrangement and stuff, like, I. I chose to stay for a reason because I want to be with her. I just, you know, I. I like both. I want to have both. Like Hannah Montana.

[B]

How do you feel about this?

[A]

Actions. Louder than her words.

[B]

So what are the actions that are happening? That are no actions?

[A]

There are no actions.

[B]

What actions would you want to see?

[A]

Just like, you know, if I'm driving, which I always am, like just a hand on the lap or if I'm cooking, she can just come hug me. Or like, just random kisses throughout the day.

[B]

Women care about such weird things. I don't understand. I'm just. I'm connecting eyes with Brandon over here and both of us just don't get it. Like, I provide these. Cause they are also requested in my relationship. I don't fully understand it though.

[C]

So you do stuff because it's very. Request it. Not just because.

[B]

Because. No, but also because I love her. I want to do it because I love her.

[C]

Because I fulfill a need. Not because of.

[B]

Yeah, but out of love. Not out of a chore I want to do. Because she wants it. Right? Right. So why aren't you doing. Because she wants it.

[C]

I do.

[B]

She just said she's not. You're not?

[C]

No, she, like, I'll go to give her a random kiss, like she wants, and then she'll. She'll be like, but you don't want to. And I'm like, I'm doing it.

[B]

Okay. That's weird. Like, yeah. Why. Why hurt her like that? Why immediately go, well, I mean, that's just like, she's doing something because of you, but because she wants to because she loves you. Why hurt her in that and try to make that worse? Which means you won't get fulfillment on either end. It'll just bring, like, pressure.

[C]

I don't.

[A]

I feel like it's just been Going on for so long that, like, now I feel like I need to extra put on pressure because it's. It's been like two and a half years. But I mean, I hit on every love language, you know what I'm saying? Like, words of affirmation, acts of, like, service. My real showing of love is buying her stuff. Cause that's, you know, how I was raised.

[B]

Is that what she likes?

[C]

I love a gift. I love a trinket.

[A]

She likes acts of service a lot.

[B]

Okay, so you said it stems from her job and people sliding into the DMs from the job.

[C]

Acts of service.

[B]

What was that?

[C]

The whip?

[B]

Okay. Is that the. With her cuz the slave thing? Is this like an ongoing thing?

[A]

It is an ongoing thing.

[B]

That's not necessarily good. If that's actually her problem, why are you, like, feeding into her insecurity in this relationship? That's not. That's like the deeply uncaring.

[C]

I. I care.

[B]

No, it's. That action is deeply uncaring where she has specifically brought on to the. Coming out of the show that she feels like you treat her like a slave and then you make a joke about it.

[C]

But I have been like, lately, because she complains about it. I'll be like, it's about what? About doing too much or being a slave. I have tried to start. Well, I've tried to start doing stuff for myself. And she's like, no, I want to do it for you. So it's just a catch 22. Like, I'm damned if I do. I'm damned if I don't.

[B]

What's your job?

[C]

I'm an entertainer.

[A]

A sh.

[B]

So who's sliding into these DMs?

[A]

Oh, she hands out her number like she's Oprah.

[B]

So what dm? Did you see that? Just you pull it up. Let's see. Let's witness it right now.

[A]

She, I will say, is a flirt. She does like attention.

[B]

You pick. You pick. The chat. The chat. That is so egregious. You pick. This is your chance, Ms. August Misk. Emotional mask. August. To choose.

[A]

Oh, you could just.

[B]

You had it already.

[A]

You could just go through it.

[B]

Okay, now this is financial audit. I need to bring this to finances in some way so far, and I have not in seven minutes.

[A]

They're not paying her. They're not giving her money. That'd be a different conversation.

[B]

Are they supposed to.

[A]

That would be a different conversation.

[C]

Okay. He did pay me when I met him.

[B]

Do you have Sugar Daddies?

[C]

No. I want one.

[B]

Let's See how this. Or am I gonna have to be scrolling forever?

[C]

You're gonna be scrolling forever then.

[B]

Fuck, man.

[A]

What are we doing? It's like three weeks of shit.

[B]

Three weeks. This is all three weeks?

[A]

Yes. Could just one.

[C]

But he's long distance. Like, it's not like we hang out.

[B]

Why has he given you money?

[C]

When I met him. I met him at work. Oh, my God. I went out of town.

[B]

Oh, my goodness. How do you feel about her texting? Because I'm scrolling up for like hours right now.

[A]

I hate.

[B]

Okay, have you tried to put a boundary?

[A]

Yes.

[B]

And.

[A]

And then I have too many emotions and I'm putting her in.

[C]

Okay. She also woke me up at my sleep.

[A]

Okay. But she lied.

[B]

Tell me. Tell me about that. I don't know what's happening. What? What happened?

[A]

Did you send pictures? You know, is there anything I should be concerned about?

[C]

There's nothing we can say.

[B]

Oh, he sent a boner. There kind of focus features in Blumhouse present Obsession.

[A]

When I have a crush on a guy no one knows.

[B]

Be careful.

[C]

I wish Nikki love me more than

[B]

anyone in the entire world. Who you wish for? Obsession is 96% fresh on rotten Tomatoes. I love you so, so, so, so much. It's blood soaked nightmare fuel broken. Split your butt on her. You have been warned. Obsession. Rated R under 17. Animated without parent. Only in theaters May 15 with special engagements in Dolby.

[A]

Yeah.

[B]

Pictures covered. Covered. So I didn't have to see his penis. Thank goodness.

[A]

Yeah.

[B]

Why are you texting him so much? Like, it's so much. Bro, this isn't even. This is not even two weeks ago. I'm still going hard. Also huge Charlie Kirk fan. Who? You? I don't know. Notifications from Charlie Kirk just popped up.

[C]

I'm screaming.

[B]

Was it Twitter I'm turning on. Do not be so random.

[C]

Come on. I'm not a fan here.

[B]

There it is. So you specifically requested that she did not share any of these?

[C]

What are you seeing?

[B]

Booty.

[C]

Okay.

[B]

Vagina. I've just seen your.

[C]

Okay, cool.

[B]

On this show.

[C]

Cool.

[B]

Well, you're a stripper, so I assume you don't care. And there's more. Booty.

[C]

Awesome. I forgot about that.

[B]

And how do you feel about this? What? Really? Cause this is what she said you lied about.

[C]

I didn't lie about those. I lied about those.

[B]

You woke her up in the middle of the night. Why?

[A]

I have, like, really bad anxiety and like, I was not able to sleep and I was like. Let me just. I'm like a pinksy. You Know. Yeah, I know. I know, I know.

[B]

So, Chad, that's full flap being sent to another man.

[C]

Flap is crazy.

[B]

That's full flap being sent to another man.

[A]

So I work at the club with her as a bartender. So I do meet these men. They do know that we are dating. Wait, can you. Can you pull up a picture of him just so Caleb can see how. Stop.

[C]

Caleb can't find it.

[A]

This man is.

[C]

He's gonna get there event.

[B]

Am I?

[C]

It's a really bad picture. He takes bad pictures.

[B]

Okay, well, what's he even paying for? You got no boobs.

[C]

Would you like to donate some?

[B]

Nope.

[C]

All right.

[B]

I don't think he has a picture of him. Okay, so she's sending this too. She's sending this. Okay, great. You're sending that. You only started talking to him a couple months ago and you put the boundary of no sending images.

[A]

It was more like I was just asking. You know what I'm saying?

[B]

Like, are we kidding ourselves right now? This is crazy. This is crazy.

[A]

That is what I saw and what grew up out of her.

[B]

That's upsetting. That sound is. That's a very moist sound you got going on. So this guy is making you excited, bro. Just like, what are we doing? No, I turned down the volume. Now let me go see what the most recent chats are. Yes. This would make me freak the out, too. If she's putting now, I assume boundaries are a little more loose. Cause we're stripping, correct?

[A]

Yes.

[B]

But if she is saying, do not send images to this man, I do not like. No shit. She's not trusting you. What are you doing? This is cheating. This is cheating.

[A]

And that's what we talked about. I mean, I'm okay, you know, if she wants to get her flirting from the guys or whatever, I'm allowed to get some Sally on the side and flirt if I want to.

[B]

What a mess. I mean, if you guys have.

[C]

I'm the princess.

[B]

Princess is sending you masturbating to men.

[C]

Oh, I mean, call. Just like. I don't know how to word it better than like, I called the shots, you know?

[B]

And what about her? The person you're with or. I think you should probably just leave, right?

[C]

I give her that. You couldn't pay her to.

[B]

What is it? Is it a desperation? That's horrible. That's disgusting. I've never heard something that bad on this show.

[A]

Dang.

[B]

That's evil. No, no, that is evil. Is that not evil?

[C]

I'm not a hypocrite, though. I give her all the same rights that I have.

[A]

The thing is, is that I don't really want it from other people. I just kind of want it from her.

[C]

She does it, though.

[A]

And so it does kind of suck that the things I ask for, other people get without putting in the work that I do.

[B]

That is true. You're giving this guy full, like, cream.

[A]

Thanks. Thanks. There was no cream, literally.

[B]

And she just wants your. Are we wived? Oh, What? Oh, no. What?

[A]

We. What we were talking about, you know, getting engaged and.

[B]

Okay, just talking.

[A]

Getting married in the summer.

[C]

Well, there was a ring.

[A]

There was a ring that has been returned.

[B]

Damn. Was tempted to dance for you for free. She sends them. Are we like. Cause, like, guys, I didn't do it, though. There is a shit ton of paperwork here. Prostitute yourself. But what are we doing? I'd never take financial advantage of you, baby.

[C]

Okay, she knows about the pet names, but I just. I don't say, like, my baby because she's my baby.

[B]

Have you ever him.

[C]

No.

[B]

Answer a question truthfully right now, I swear. A different question.

[C]

Oh.

[B]

Have you ever given favors, like a

[A]

hand job or something?

[B]

Even a hand job?

[C]

No. No.

[B]

Bullshit.

[C]

No.

[B]

With that kind of crap. I do not believe that for a second.

[C]

Where's these? I'm Granny.

[A]

I have asked these questions multiple times.

[B]

And outside of work.

[C]

No. No.

[B]

You never met up with one of them outside.

[C]

We might have hung out, but it was in public. It was at ihop.

[A]

I did confirm that. With the people she was with.

[C]

We were at ihop.

[A]

Did confirm.

[B]

Okay.

[A]

Even her friends were pissed off with her.

[B]

You guys were engaged and then you got bored and then you kicked it off is what I'm being told.

[C]

I wouldn't say bored.

[B]

You called off the engagement.

[C]

It was more like a bisexual crisis.

[B]

Well, okay. Hey, can we just do this? Cause I like the emo one right now. The one that looks like she smells of cigarettes, but thankfully doesn't. I like her.

[A]

Oh, not you.

[B]

I like her. She seems like a normal. Well, she seems like a person. She seems like we'd get along. I'm on her side.

[C]

Okay?

[B]

And you're stringing her along. No, you absolutely are. Which I do not like. I'm sorry, this is a bit springer right now. I know. I will get into this, I promise. But, hey, man, this is where the conversation's naturally gone. If she is doing everything for you, you're not giving any of the love languages now. I think you pushed back against that a little bit in a way I don't like. For what it's worth august, but. And then you call off the engagement cause you're having a bisexual crisis. Cause you pro.

[C]

It's more of a mutual conversation, though.

[B]

Can we just be completely honest?

[C]

Yeah.

[B]

What are you, 25?

[C]

Yeah.

[B]

I've seen where the story goes. You're lezed up, lezzed up. You're full. Yeah. You're full. Clit.

[C]

Strictly un dickly.

[B]

Yeah. You're gonna want to end up with a guy.

[C]

No.

[A]

So we have talked about this before.

[B]

I really feel like it.

[C]

I just like them as side pieces.

[B]

I don't know, man. I don't know. I feel like you're gonna want that princess treatment. The classic.

[C]

She is my man, my man, my baby, my baby.

[B]

But she doesn't like that.

[A]

So we. We've talked about it before in detail. I've asked her when she's dated men in the past. Like, do you miss women being with women? And she's like, yeah, absolutely.

[B]

She doesn't even care right now. I'm being told. So it's like, I can't.

[A]

Yeah, she did.

[B]

I mean, she can't.

[C]

I just.

[B]

She can't.

[C]

I just can't make out right now.

[A]

To be fair. I want, like, high school makeouts. It's fine that I don't get it all the time.

[C]

Don't spit in her mouth.

[B]

I've never been a make out person. I just. I don't get it. Like, I don't want someone's mouth.

[A]

I'm definitely someone that, like, you know, life is short. If you're bisexual and you want both.

[B]

Not necessarily. You can go. You can. You can. You can do a lot of things that aren't making out that are not vanilla.

[A]

Correct.

[B]

Okay. Okay. What do you make the slave? What does the slave make?

[A]

Anywhere between 3,500 to 4,000amonth.

[B]

That's pretty good. Is that net? Is that what hits? Yeah, that's what I'll put at 35 to be safe. Jade, no favors on the side. What do you make a month?

[C]

Roughly 7,000.

[B]

Really? Does that line up? You believe that?

[A]

Yes, I. Yeah, we just making sure.

[B]

What? It's mostly just tips thrown on stage, or is it the Lappies?

[C]

I also have, like, a remote job.

[B]

Doing what?

[C]

I'm an abstractor.

[B]

Okay. What the. What the fuck is she doing?

[A]

Some kind of lawyer shit. I don't know what.

[C]

The firm I work for, they, like, represent banks during, like, foreclosures.

[B]

And what do you do?

[C]

I'm like their little bitch. I collect, like, the files for them.

[B]

Well, or is someone attracted to you?

[C]

No, I don't even. I don't even go there. They just found out that I have pink hair.

[B]

You're trusted with legal files. Yeah, and how much you paid? What of your seven comes from that?

[C]

It's like 13 something every two years.

[B]

Oh, okay. Okay, okay. Okay.

[C]

So roughly they.

[B]

So you're still making a decent amount stripping? Yeah, mostly lap dances and whatnot.

[C]

I assume stage has been better lately though.

[B]

I'm being told you don't. You honestly don't even know what the job is. You just sometimes close the laptop and walk away

[A]

and does.

[C]

I'm not saying I'm good at it. I do have like family members that also work there, so they help me a lot. Like when I'm confused.

[A]

Mommy.

[B]

Oh. And I assume that is quite often every day.

[C]

Little bit.

[B]

Okay, so I'm just confused. Is there even actually a future here? I'm not denying that there might be love for each other. But you want dick. She doesn't necessarily like that you're always in guys DMs. She says no. Yet you literally lie about that. I do not believe you don't get favors outside of the scene. I'm being told your sex drives don't even match. You're treating her like a slave and she hates it. And you don't give her any of the love languages she likes. So what's the difference?

[C]

I think I've gotten a lot better at the love languages. Like I've gotten a lot more affectionate. I've started telling her how cute her outfits are because she loves that pause.

[B]

They do like that I have to

[A]

be like, do I look okay?

[C]

Bullshit. The other day I did it unprovoked one time. Oh my gosh.

[A]

And this a lot more, I feel like is a bit of an A reach. Okay, I might get like a

[C]

we're in the car. What do you want me to do? Suck your lips?

[A]

Anything. Genuinely anything. I'll take anything.

[C]

I play with her hair when we're in the car. What more can I do? And she has a new tattoo on her arm, so I try to avoid her arm.

[A]

That was Monday. That's Monday.

[B]

Yeah. That's bullshit. Excuse. Okay, so it sounds like you're really not doing more

[A]

pitiful efforts.

[B]

Why are you still in this relationship with someone who wants penis and literally will not? But I want cooch too. Great. But she doesn't want you doing all this stuff and sending these videos to men. And she. She has said no. And yet you are still doing it

[C]

to be clear, she left the house specifically knowing.

[B]

Huh.

[C]

About like some pictures?

[B]

Huh?

[C]

Don't act like you don't know.

[B]

Wait, no, no. What are you saying? I don't know what you're talking about.

[A]

I know that you sent pics, but what are you talking about leaving the house like this? I don't know what the she's talking about anyway. No, I love her more than anything.

[B]

But is it good for you? Is it good for your life? You're 27. You're aging out.

[A]

I know. So that is also a fear factor. But no. I have a degree in psychology. I've always been very open minded. I don't think that bisexual people should be put in a box. You know, I am. You know, like life is short.

[B]

Do you want to be monogamous?

[A]

I don't even know that much myself right now. Like, I know that I love her and I want to be with her.

[B]

She doesn't need to be put in a box. But it's okay to be monogamous. And it's also okay to not be.

[C]

I admit to being excited that she can act on certain temptations that she has had.

[B]

Do you?

[A]

I have had temptations.

[B]

Do you? Well, everyone does, right? And when polled independently, the vast majority of people mostly, but even the vast majority of people prefer open. I mean, that's not a crazy concept. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, Right. Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money that you got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial Dollar wise.com link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now, when you sign up for the checking account that I use, Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. Yeah, but you have to be both on the same page with clear guidelines and rules. And you're not following those rules, not following those boundaries. So which equates to them cheating. And we do not like cheating here. Why? I do not. I understand your love, but it might be bad for you. This person that is abusing you financially, abusing you, milking you, not giving you anything you want, not even listening to your boundaries or instruction, but does not respect and then tells you you're wrong to your face. I do not understand why you are putting up with it. I really do not. Other than love. And love's not enough good reason in the end.

[A]

That's fair. My biggest issue with her is the lying. I'd be fine with the pictures being sent. I'd be fine with whatever.

[C]

Wait.

[B]

You raised her son for her? I didn't know you did. Trading at Schwab is now powered by Ameritrade. Unlocking the power of thinkorswim, the award winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on thinkorswim desktop with robust charting and analysis tools. All while you uncover new opportunities with up to the minute market news and insights. ThinkOrSwim is available on desktop, web and mobile. To meet you where you are. It's built by the trading obsessed to help you trade brilliantly. Learn [e-mail] trading I did it. And you just raised her son for her. What are you? You're a failure. You're a loser.

[C]

She's not raising for me.

[B]

You have a son? How old?

[C]

I do. He's gonna be 7 in August. He's 6.

[B]

Oh, 18.

[C]

Yeah.

[B]

Why? What happened?

[C]

I started college and got knocked up.

[B]

Why so complicated these days?

[A]

She was living like Sex in the city back then. Okay.

[C]

He did tell me that he was pretty sure he was sterile because he has type 1 diabetes. I was 18. Why would I know better?

[B]

Is he in the picture? Diabetes now? Are you getting money?

[C]

No.

[B]

Why have you not tried to get it legally?

[C]

Because then he.

[B]

Does he even know? Yeah.

[C]

Oh, yeah. Okay.

[A]

He lives in the same city.

[C]

I heard he Moved away again.

[A]

Okay. Period. Better.

[C]

Yeah.

[B]

Well, why not go to the court, get money.

[C]

Well. Cause then he busted the load. He would try to be in my son's life and him and his wife for like the out and they don't.

[B]

Why were you with Head?

[A]

That was her type. She likes ugly men and men that have issues. Just serious issues.

[C]

At the time I like felt like I could, like, like I could fix him.

[B]

Girl, your life is completely.

[C]

I was 18.

[B]

He's not even on the birth certificate.

[A]

Okay, no, no.

[B]

Bro, I really don't get it. This is such a mess. And you're just breaking every boundary known to man. You want to start a. She's not in favor of that. But you want her to join something she's not even in favor of. It's like everything here is broken. I do not understand what you're doing to self. So I don't. You're hurting yourself. You're like self inflicted hurting yourself. I really don't get it. And I bet there's a connection to the kid. I bet that's pulling some weight as well.

[A]

Absolutely.

[B]

Or raising her kid for her because she's a fucking failure is kind of gross.

[C]

Does not raise him for me. I do homework with him every day. Well, no, you do homework with him.

[A]

She does not.

[C]

He begs to do it with my mom a lot. So whenever it's time. We live in a house where it's four generations of us.

[A]

We did get approved for the apartment yesterday though. So we will be moving out. Yes.

[C]

Yeah.

[B]

Oh my goodness. I couldn't imagine the absolute chaos.

[C]

Yeah, Yeah.

[B]

I have a lot of paperwork in front of me. Whose fault? What's going on?

[C]

I definitely have them.

[B]

Okay, so there we go. So it's life abuse, it's financial abuse. It's everything. You're carrying down the relationship.

[C]

Why are you there?

[B]

Why? It doesn't make sense anymore. It doesn't make sense anymore.

[A]

The sex is good.

[B]

Is it? I like I. I told. I. I was told. The drive is completely different.

[C]

She has a libido of Andrew from big mouth.

[A]

I do. Or like J. I could. Yeah, no, I could go all day

[C]

every day and you like a rabbit.

[B]

Not you.

[C]

In the beginning, I was definitely a lot closer to matching it. But I definitely feel like the repressing my sexuality was affecting things and especially. Cause when we first got together, repressing

[B]

being into men, which is pretty normal.

[C]

Well, when we first got together, one of the first conversations we ever had, she was like, yeah, I don't care if you have a boyfriend on the side, and. And then like, a week later, she was like, yeah, never mind.

[B]

Yeah, because I could understand how that would be leading to jealousy, especially if emotions are being developed on the other side in mind.

[A]

She was like, no, I'm very monogamous. Like, when I said that, hey, was

[B]

the last time you took a dick answer truthfully,

[C]

we went.

[A]

We had a. A. Yeah.

[B]

So you can't be against that then, if you participated.

[A]

I participated because I love her and I wanted.

[B]

How long ago?

[A]

Last summer.

[B]

So you haven't independently been with someone in a while. You're just sending images and photos?

[A]

Yes.

[C]

Yeah. No, I didn't hook up with you.

[B]

And if you would just go hook up with a guy, then what?

[C]

Well, we would talk about it.

[A]

Yeah, yeah, yeah.

[C]

Like, I would tell her.

[A]

It definitely wouldn't be anybody that she's texting like this. It would have to be, like, strictly a hookup and then, like, hit it and quit it. Yeah. Not this emotional.

[B]

I. I definitely agree with that. Okay, so what's our future looking like? You're a bartender, you're a stripper, and then family's helping you out in something.

[C]

What do we love this family Hopes for more.

[A]

Family does help me, but I'm in school. Like I said, I had my degree in psychology. I'm now pursuing civil engineering to give her even more of a princess life.

[B]

And that's what you want to do? You want to enable her even more, the one who has drive this down with all this debt. What's the household debt? What do we think the household debt is?

[C]

I know mine.

[B]

I'm like, household. We just. Guys, we've been engaged.

[A]

I have no debts, so it would be all hers. And I would guess like 72,000. I'd guess like 45, 70 with, like, school.

[B]

$72,845.

[A]

Can you repeat that?

[B]

$72,845. And this princess treatment is only leading us deeper in the hole. The household brought in 8,000 last month, which doesn't align with the numbers he gave me. It's lower than that. But even still, out was 10,800. Oh, yeah, that goes up. I'm being told, yes, you want to do civil engineering to make more money. But Jade wants you to do civil engineering so she can stop working.

[C]

No, I want to pursue. You're not going to like it. I'm teaching myself tattooing right now, so I want to be a tattoo artist. But I also am about to finish my degree, and I want to Go to grad school so I can be a researcher in psychology.

[B]

Oh, for. Guys, what are we doing? You're gonna research psychology?

[A]

Yeah.

[C]

And tattoo.

[B]

I'm gonna kill myself. What the are we talking about?

[C]

I'll be able to help you.

[A]

I always say that she's a jack of all trade and a master of none. She just floats around to whatever idea she's on. She's passionate about it, and then it fizzles out and she's onto the next thing.

[B]

Yeah, I would say so. As in the next person. You guys were supposed to get married this summer.

[A]

I will say that that was kind of rushed on both ends. More so, I think out of fear of losing each other and, like, just wanting to lock it in.

[B]

What, Getting married would make us lose each other?

[A]

No. So we don't. So we don't, like, lock that shit in. You know what I mean?

[B]

No, I don't. How often do we fight guys? Especially on all this shit, I assume. I mean, you have to be afraid of the $72,000 of debt that would come into this marriage. Her spending everything you're supporting.

[C]

I'm not the only spender.

[B]

So she's not going into debt for it, though.

[A]

No. I mean, I do love Klarna, but, I mean, I pay that shit.

[C]

She did. Just open her credit card.

[B]

Okay. Is she going into debt?

[C]

Well, there's some debt.

[B]

Or is she using it properly? I have credit cards. Okay, well, is that a balance? Is that balance being paid off?

[A]

Yes, yes.

[B]

Like a full balance.

[A]

I've been putting, like, 150 to 200

[B]

every time she said it's 2000.

[A]

It is.

[B]

So you're not paying it off.

[A]

I'm making payments to pay.

[C]

Oh, fuck.

[B]

That's not. No, no, no, no. You put 2,000 on, you pay 2,000. Oh, you're going down the same hole as her.

[A]

Okay, what are we doing? We did want to go on a cruise this summer, so I just, like, put it on the chronic car.

[C]

Cause I'm graduating.

[A]

But I paid off a good ticket from college.

[B]

With what?

[C]

Bachelor psychology. Oh, my.

[B]

What is with you guys in psychology?

[C]

I already said it.

[B]

It's like that. No, you said you wanted to go into research in psychology. I didn't know you were graduating, like, Right. I didn't know you were in school psychology right now. What are you. What are you guys getting such a worthless degree?

[C]

Well, I want to go to grad school, so.

[B]

Of course you do.

[C]

Okay.

[A]

And I wasn't aware of how much schooling and money it takes, so. As soon as I didn't get into the master's program, I gave that up.

[B]

What school are you at?

[C]

Uno. It's about to become lsu. We got bought out.

[B]

Okay. Your school just got bought out. That's just.

[A]

That speaks enough for what kind of school. You are so bad.

[C]

Oh, it's not that bad.

[A]

No, it is.

[B]

Schools don't just get bought out.

[A]

My. My department, it is very bad.

[B]

I'm just trying to picture you in the classroom.

[A]

Right.

[C]

They love me.

[B]

They might enjoy your personality. Maybe. I don't even know. Or the, you know, tas enjoy.

[A]

I know, right?

[C]

It doesn't hate me for sure.

[B]

And loves me, son. Loves you.

[C]

It's a woman.

[B]

Still.

[A]

I. I do love her, too.

[B]

A woman professor. Definitely a lesbian teacher.

[C]

I don't think she is, but I don't really know my bald.

[B]

Okay. That's the cat. Okay. Funny. That was good. Wonderful.

[C]

You like that one?

[B]

Okay. What was the last conversation we've had financially?

[A]

I wanted to start helping.

[B]

Disagreement.

[A]

Paying for our son's school. Let's just say our $10,000 a year.

[B]

What?

[C]

But my mom pays half of it.

[A]

Why?

[C]

Do you know the education system in Louisiana?

[B]

I'm sure there's good public school districts and bad public school districts.

[A]

Correct.

[C]

Why are you guys still at the bottom of the entire country? It's not good.

[A]

I went to public school.

[B]

Are there charter schools?

[A]

She went to private. We ended up in the same class for the same degree.

[B]

Are there charter school options?

[A]

Yes, there are other options. And she doesn't want to make him upset by moving him to a new school.

[C]

Okay.

[B]

Bro, he's seven. He doesn't know what the is going on.

[C]

But I want to give him as many resources as I can. Like, there's better, you know, teacher student ratios. They offer all kinds of different, like, programs and stuff. They have, like, a pool on campus and shit.

[A]

No, they just. They do little theater things every week that we have to go to. And I'm like, are they even learning anything in class?

[C]

Yes.

[B]

Okay, so the conversations you wanted to provide to that, even though you're kind of against it.

[A]

I've been against it for so long.

[B]

But you want to provide to it, so make this make sense to me.

[A]

Start helping.

[B]

Why? I feel like you do everything.

[A]

She does have a lot of bills. I have no bills.

[B]

Yeah. Cause she just. Cause she takes on everything because her

[C]

parents help her with her school. They help with her car insurance. I'm on my own for all that.

[B]

Guys, you're 25 and 27. Why are we still doing bachelor degree bullshit?

[C]

Okay, well, I got knocked up my first semester. It took a while.

[B]

Yeah, don't do that with crackheads. Freak.

[C]

And I didn't do it again.

[B]

Are you on birth control?

[C]

For what?

[B]

You take dick? Sometimes.

[A]

Once.

[C]

Once. And it was wrapped.

[B]

Well, that's good.

[A]

Yeah.

[B]

Glad to hear that.

[C]

Can y' all cut that?

[A]

No, not slurping?

[C]

No, I spilled a little. Thanks.

[B]

Okay. And how did that conversation go, though?

[A]

Anytime that we talk about finances, like, it's. That's the only calm fights that we have.

[B]

Really?

[A]

Yeah, she did the math on it. Cause obviously I make significantly less than she does. It rounded up to about me donating. About, like, contributing 400.

[B]

Why is there no issues there in financial conversations?

[A]

Because we both like spending money.

[B]

So we both agree on doing poorly.

[A]

Correct.

[B]

Is anyone gonna step up and be the adult for the future of your relationship?

[A]

Am trying.

[B]

For the future of the seven year olds. You're trying? Is she trying?

[C]

I'm gonna apply.

[B]

Who's trying? Both. Do you guys agree on trying?

[A]

Okay, we agree on trying.

[C]

I'm the one that says, no, let's not go to Target. She will be like, let's go to. There's a store called Tiny Buffalo. It has like boo Boos and shit. Yeah. She'll be like, let's go to Tiny Buffalo today. Let's go to Target. Let's go to the Pokemon store. And I'm like, let's not. Because I know that I have no self control. I also, like, I don't look at price tags. Like, if I see it and I want it, I'm getting it.

[A]

She'll be like, should we get this one or this one? I'm like, well, this one's $2. This one's I usually get her. Let's get the cheaper one.

[C]

But again, that's why I try to avoid, like, going in there, period.

[B]

So how did the conversation go? If she wants to go, you don't want to go, what happens?

[A]

We go.

[C]

Yeah.

[B]

So why, why does she win? Why does the irresponsibility.

[C]

She has to win sometimes, doesn't she?

[B]

Yeah, but if it's winning, only in the financial negatives for us, why is it always a win on her side?

[C]

I pay for stuff too, though.

[B]

No, no. But if you're saying no, we can't afford it. Why does she always win?

[A]

It might not be always. She might tell me no. Like one out of ten times I've

[C]

seen my girl on a couple times we did not go to Tiny Buffalo. Last time she asked.

[A]

No, we didn't.

[B]

Okay. So one time. I'm glad the financial conversations are a little better, but it's because you guys are aligned on being shit. Who's trying to change more quickly? I think it's you. Are you going to hold back the relationship? Are you going to hold back the finances at this house? Because your parents are the one funding everything, so you've never had to actually realize sacrifice and budgeting and understanding money.

[A]

Correct. Yes, there is that, but I also, like.

[B]

So that's not fair to her.

[A]

Buy shit, so.

[B]

Well, you're sad all the time because she's correct.

[A]

Yes. So, I mean, I don't think I'm

[C]

horrible, but it's also discouraging when I do, like, put in efforts and she's like, oh, I just. And then I'll say, like, well, I've been doing this and this, and she's like, oh, that's true.

[A]

I acknowledge your efforts.

[C]

It's like sight. Acknowledgement.

[B]

Yeah. No, no, I mean, I get that too. I get that too.

[C]

I, you know, it's hard to keep momentum like that, you know?

[B]

It is. No, no, no. The girlfriend I love to the end of the world is, you know, similar to you in that regard. And I'm more similar to you. I'm not, but, like, I am similar where it's. It's less of my natural instinct to be like that and the other person wants it. So it can be a little discouraging when you, you know, hear only the negatives and you want to do better. So I do get that. You got. You just have to be more. More supportive of what she's at least trying to do because she's trying to do it for you. It not doing it for her, she's doing it for you late in the

[A]

game, like, it's okay.

[B]

Do you want it to never happen, though? Like what. Like, what's the. What's the. What's the alternative?

[A]

It just. It just feels like a little like a sprinkle of.

[B]

Well, you got three. You can accept that there's positive movement. You can leave, or you can hope that nothing ever happens. Which one are you going to do?

[A]

I'll go with the first one.

[B]

Yeah. I think would be the only fair option. Right. And you just got to keep stepping up and doing better. You really do.

[C]

Yeah.

[B]

But actually, you have to keep the momentum up and you have to help her by not dissing, encouraging her.

[C]

I pleaded for.

[B]

And putting that pressure on. When it's all pressure, it makes it hard.

[A]

And then I paid for it.

[C]

Okay, I bought us a 200.

[A]

Well, she bought her friend a 200 dinner.

[C]

Did you not eat?

[A]

Did I not contribute towards the bill voluntarily?

[C]

I told you not to give me money. But I'll tell her not to do these things. And she's like, I want to, and. But I still get, like, put down for it. Even though she said it's what she wanted to do.

[B]

So how often are you guys fighting? If finances isn't one of the biggest fight things, how often are we fighting in this relationship?

[A]

It's been more recently that we've been fighting.

[B]

Really? What's it ramping up because and for. Why?

[A]

It's just a lack of communication. Like, I cannot bring up anything. Like, okay, I'll bring up a boundary, or I'll bring up something that bothers me.

[B]

Give me an example.

[A]

Texting all day. Like, she'll ignore me or. Or our son. No, there was. Yes, don't to text whoever back. And I'm like, you know, I'll bring it up. And it's just instant, like, raised voice. And like, just pissed off. Shuts it down immediately. And like, it used to not be like that. Like, we used to have really good conversation and communication skills. And now it's just. She shuts down immediately.

[C]

My thing is just. It's just all the time. So it's just. It's hard. It gets overwhelming.

[A]

And it's all the time. Because the reassurance that I get, well, she just started giving it to me. So it's been easier to not have to feel insecure and like, bring it up constantly. But before it was like, nothing. So I'm just constantly in my head. So I want to talk to her about it, and she just makes it impossible.

[B]

What? This seems pretty important.

[C]

I don't know. I just. I disagree. I feel like I try to give her reassurance, but, like, there are times where I'll say something and it's like, not exactly what she wants to hear. And so she'll tell me what she wants to hear. And then she's like, but I don't want to feed you lines.

[A]

It's like, don't. You're an adult. You should be able to.

[C]

But what I say is that there is a certain.

[B]

This is difficult because I feel like I've been there sometimes too. So I do understand it. In her brain, it's not. It's more complicated. Some people just need that extra guidance. Cause it's just not in their just natural sphere.

[A]

And I've told her and I've given the guidance for two and a half years. And I also lead by example, if that's fair. If I up. I mean it's an hour long deep felt apology and like, you know what I'm gonna do differently next time? Why? It's not gonna happen again. And her wait, her it's I'm sorry, I love you. And like that's it. That's it. I'll be like, can you think of any?

[C]

I want to be here. I want to be with you. Not immediately after the fight and shits and giggles.

[B]

Where is Daredevil?

[C]

I'm right here.

[B]

Don't miss the return of Marvel Television's Daredevil Born Again.

[C]

So what's next?

[B]

I believe we we're gonna take this city back over medicated in an all new season now streaming only on Disney plus.

[C]

They're hunting us. It's time we started hunting them.

[B]

I can work with them.

[A]

This should be tons of fun.

[B]

Marvel Television's Daredevil Born Again now streaming

[A]

only on Disney plus After the fight it is.

[C]

So I have bpd. So a lot of times, like, she wants an immediate, like emotional thing out of me, but when my emotions are really high, she wants me to coddle her. But I'm also upset, so I need to cool down before I'm able to have clear thoughts.

[A]

You are fully capable of asking for a minute. Does she ever say that? No, I have to be like, do you need a minute?

[C]

She's absolutely a liar. There have been times where I'm like, I'm gonna go sit in the office for a minute. And she's like, you're gonna walk away from me?

[B]

If we can't get to a place of any kind of communication in a healthy way, what kind of feature is there here? You have to mean in the middle ground and some kind of communication style.

[C]

Calm.

[A]

I stay calm. I used to get.

[B]

Yeah, but you bring a lot of emotions. You do, you do. Emotional versus logical.

[A]

That's fair. No, that is.

[B]

Which isn't necessarily helpful either. It's okay to be emotional in an argument. Well, in like having an emotional feeling and being able to communicate because of that. But it can't only be from emotions. Especially when the other person's also a little more volatile, which she is.

[A]

She's difficult to handle when I'm so sensitive.

[B]

So how do these end? Do they ever end with any productive.

[C]

Yeah, yeah, eventually.

[B]

Now why do we think it's ramping up?

[C]

I think I get really overwhelmed really easily. Again, like, do you know what BPD is?

[B]

Yes.

[C]

Okay, cool. Yeah. So, like, instead of getting, like, crazy manic, I get, like, rageful. So it's just hard.

[B]

She rages on you.

[A]

She might throw a fan here or there, but it's never on me.

[C]

Okay. One time I just threw it on the ground. Not even toward her. Like, have you ever been to a rage room?

[B]

If you know. Yes. If you know you're getting to that point of rage, ask for five minutes. Ask for five minutes to go.

[C]

Calm down. Please. Give it to me.

[B]

Why won't you give her time?

[A]

Cause my anxiety's so bad, I want to, like, fix it now.

[B]

I get that. I mean, I'm closer to that as well. You know, I try to fix it, but you have to. You have to give that space for her to calm down or else it just doesn't work. It won't work.

[C]

Amen. I need to get my whip.

[B]

And I assume there's a lot of pressure here too, especially with the kid being brought in. August says to Colton that she feels like she's carrying the entire entire finances of this entire relationship.

[C]

And she's crazy.

[B]

She literally got a job to help try to pay off your debt. Well, you just want to be a princess. And she's not being spoiled at all. And she would love to get spoiled even just once while she is in control of the relationship. She's paying for all the dates. She's paying for everything, everything, everything. And she got the job to pay off the debt.

[C]

Car insurance. I pay his tuition. I pay for majority of our groceries. Yeah, she pays when we go out to eat, but mostly that's because she's the one that wants to go out to eat.

[B]

Like, and don't forget, I want you to be on the next episode of Financial Audit. So go to caleb hammer.com apply or click that link in the description below. You'll have a great time. And I'm going to roast the out of you. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gaming sauce. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code.

[C]

Caleb, I used to be a really good meal prepper. And then she'd be like. Like she's the person. She can't like think her meals ahead of time because if she's not craving it in that moment, she will not eat it.

[B]

You gotta go to Walmart that day.

[A]

I go to Walmart like every Friday.

[C]

Thanks.

[B]

Is what she said true? Is what you told us in the pre interview a lie? Are you not the one that is carrying the weight of this financial relationship?

[A]

Absolutely am.

[C]

Do you pay my car? Not.

[A]

I don't pay your car. I don't have.

[C]

Do you pay your tuition?

[A]

I don't have your bills. But I do take care of us. Those are like, you know, your bills.

[C]

Yeah, most of our dates. It's also hard for me.

[B]

That's it. Just taking care of dates isn't control.

[A]

I buy her so much shit.

[C]

Not that she asks us the gifts and stuff isn't. She hates a trinket because she's a minimalist. I'm a maximalist. It is so easy a shop for me.

[A]

It would be nothing for her to go to the store and just pick up one type of Pokemon.

[B]

But buying bullshit like that is not carrying the financial weight of a relationship. That's not the. That's not. That's just buying shit. That's not taking care of bills, utilities, debts, shit like that. The tuition. That's not taking care.

[A]

Mind you, she does put herself a bit in a hole. You want to talk about your sshmallows or your littlest pets?

[C]

I mean, not really, but not a little.

[B]

How much?

[A]

Oh, she did cash flow it at least out of her savings.

[B]

How much out of her savings? I mean when and how much?

[C]

When and how much? Maybe a little over a year ago. And it was only like 10,000.

[B]

No, it was not.

[A]

It absolutely was.

[B]

10,000 for Mercedes.

[A]

We have what, 14 bags of squishmallows in our attic.

[B]

Can you sell them?

[A]

No.

[B]

Why?

[C]

I don't want to.

[B]

Oh, so you can sell them, you just don't want to. Dude, 24, maybe even 23 years old at that point with 10,000 in savings is awesome. Better than the average person. And you it all for squishmallows. This is insane.

[C]

Have you ever laid on a squishmallow?

[B]

Have you ever had a child? Wait. The answer is yes. How about you take care of them?

[C]

He is well fed, well groomed, he is very smart. In a private school. He's in soccer.

[B]

Yes, but you could be setting him up for so much success like college in the future, all these different things.

[C]

I have a sub account for him also.

[B]

The most important thing is as well is a little bit of space, a little bit of independence. And if you guys are going to go into an apartment together and you will just drain your savings for $10,000 of Squishmallows, what's going to happen? You won't do it again. You got to build up to it and you spend more than you make and you're dead at 72,000. Shut the up. If we are in financial hardships all of a sudden, no savings means bye bye apartment which happens to Americans all day across this country every day, every second, constantly. And you' unique and you'll have to start doing special favors to not do that. And we don't want you to do that. I don't want you to produ yourself if you don't want to.

[C]

I don't.

[B]

Yeah. Well, there you go. Okay, so hold on guys. What do we think our household pretend we're combining. We kind of know that. Big number. Our household financial score is zero to 10. Zero being the absolute worst, 10 being the absolute best.

[C]

We're going two.

[A]

I was going to say two as well.

[B]

Okay. If you want your Hammer Financial score, take the assessment. It is free@caleb hammer.com just takes a few minutes. See where you stand in the world of money. Thousands of you do that daily so you should too. Caleb.com and also tens of thousands of you are active members of the dollar wise budgeting app. Tens of thousands. Almost 100,000 because it is incredible. People are changing their lives and you can download it and start a free trial to see if you like it. And if you do, guess what? Most people sign up for the annual version because it saves almost 50% and you get my personal 30d 30 day budget meal plan signed by me just like I did with this one which you guys get. I will sign it and I'll mail directly to you. So no more meal prepping confusions. Not being able to do. I lay out every meal, every snack, every drink that you can do for 30 full days and then you just repeat that ongoing and switch it up. Do things around. Well, you want the cookbook too.

[A]

I was about to say I was expecting like a hardcover.

[B]

Well it's not being offered anymore but you can have it limited the meal plans just more. This is better for what people in the financial situation because the cookbook's good. Because you can cook a few individual Meals. But the meal plan gives you the detail throughout a whole month.

[A]

We do like to cook.

[B]

You're rubbing me.

[C]

Sorry.

[B]

I have a checking account first, which is very rare, which means something's here. Who has a checking account with $6 in it?

[A]

That would be you.

[B]

I. I carry the weight of the finances on my shoulder and I take care of everything. Oh, no bullshit. But then when you said about it, it was just going. Going out to eat and bullshit and buying her trinkets.

[C]

She also buys a lot of Pokemon.

[A]

That card is more for my funsies.

[B]

Your funsies?

[A]

Yeah, ebay. I do like eBay.

[B]

Nearly $6,700 of funsies in a month.

[A]

And food. I don't know.

[B]

Just that. Not.

[A]

I don't know what I spend my money on. Yeah, you don't know.

[B]

Why haven't you plugged it into something like Dollarwise or a budgeting app of any kind? It's so easy. It's automated. Literally. You literally connect it. It takes like two seconds and it's automated and it tells you everything.

[A]

I'm never like, dying for money. You know what I'm saying?

[B]

Like, okay, you have $6. What happens when that minimum payment is owed?

[A]

I put my cash back in the bank. It just happened to be at $6 when I sent it.

[B]

Now you're gathering minimum payments because you decided to open a credit card and not pay it off. What happens when that payment hits? I'll tell you. Either overdraft or return payment fee.

[A]

I have like $400 remaining on that balance. So it's like right there. It'll be done.

[B]

We'll see. Depends where your money is now. With $6 done by the end of the month. Who knows? Who knows if drinks slow down. Tourist season. When is tourist season in New Orleans over with? It's getting hot. Exactly.

[C]

Yeah. No.

[B]

So income dry. Hurricane season. A common. What happens when a big storm hits New Orleans and you're down for a few weeks? You going to make that minimum payment anymore?

[A]

She'll go travel.

[B]

What? Is that a thing?

[C]

Yeah, you know that.

[B]

I did not know that.

[C]

The more you know.

[B]

How do you even do? How do you. How do you. What do you mean?

[C]

Like, you literally just go wherever you want. You audition. You got a contract.

[B]

Oh, you have to audition, though. And they have to accept it.

[A]

She's hot up in smoke. I like. We both like to vape.

[B]

What is wrong with everyone your age? Everyone your age is a vaper.

[C]

I was on pills. Sequoia.

[B]

I was on pills. Yeah, but vape Smoking vape pills?

[C]

Yeah. Cessation. Yeah, cessation.

[A]

I don't know.

[B]

I've never heard of this. Okay, you were. Are you?

[A]

No.

[B]

So why does it even matter?

[C]

Okay, well, so my mom switched jobs. I'm still on her insurance for just a little bit longer. So when she switched jobs, I lost insurance for a brief period, so I couldn't get a refill. And then I was too embarrassed to ask my doctor for, like, a reference. A 4, 3 cert.

[B]

It's a doctor.

[C]

Yeah.

[B]

Doesn't give a. Yeah. Well, was it working?

[C]

Shame.

[A]

Oh, you have no shame.

[C]

A little bit.

[B]

Was it working?

[C]

It definitely helped me decrease my usage a lot.

[B]

How much do you guys smoke?

[A]

She would literally fight against the pill. She'd be like, oh, it's making me nauseous. And then still smoke, which I. I mean, I like, though.

[C]

But if I did. Skinny Legend.

[B]

Are you skinny?

[C]

I mean, not really.

[B]

You seem fit. You don't seem fat.

[A]

She's not fat. I wouldn't even call her, like, dysmorphia. Yeah.

[B]

Oh, no. I wouldn't have even said you're pudgy.

[C]

So you think I'm skinny. Thanks.

[B]

Well, how do you not beat her?

[A]

I think she's so cute.

[B]

She is.

[A]

Yeah.

[B]

How do you not beat her? She's obnoxious. How much are we spending on vaping? A lot.

[A]

Two a week at 16 for one per person. Yeah.

[B]

So 16 times two times two.

[A]

16 times four times four.

[B]

All right, let's do that monthly.

[C]

She also overdrafted, by the way.

[B]

Well, that's exactly what I just said would happen. If you have $6 last night. For what?

[A]

Okay, here, Austin. Okay. I went to buy her something.

[B]

$3,328 a year. You lose a month's worth of income on your household.

[A]

Okay, that's actually foul.

[C]

No.

[B]

Yes. An ENT that you work goes to the vapage of the house.

[A]

Okay, that is. That is an issue for sure.

[B]

If you look all of a sudden, you figure things out.

[A]

But the overdraft has been fixed. I did put money back on the card.

[B]

But you overdraft, you head to exactly where I said you're going. You're already there. That's only going to get worse, though.

[A]

Yeah, on the credit card. It was on my debit.

[B]

That's. That's where overdrafting is, dude. Listen.

[A]

What is it if I miss a payment on the card? The credit card late fee. Okay, miss payment.

[B]

Listen, the thing is, I've seen people entering your position, and I've seen How it ended years later. You're going down a dangerous path and you have no idea. You are at that point where you might be able to stop. Okay, just had your overdraft. You are headed into slow season and eventually storm season even worse.

[A]

I mean, I do have backup jobs. Like, I never, like, burn a bridge, so I do have bosses that will take me back.

[B]

I hope so. But I know you guys are in the middle of New Orleans.

[A]

Yeah. Yeah.

[B]

There's only so much that you can do in your type of industry. Backup jobs and all these different things. During slow season, I plan on going

[C]

to Florida, like, Pensacola, to dance over the summer.

[A]

That's if. That is if she can build trust, which I doubt it.

[B]

Trust with who? You?

[A]

Yeah, she's not going to.

[B]

You're gonna leave your son?

[A]

Oh, she already has. You went on a week. You were gone for like two weeks.

[C]

I was gone for a week and a half to work. And he does spend weekends with my mom. And he loves going to his lolly is what he calls his grandma, but he likes going to her house. So, like, when he's hanging out with her. Anyway, I'll go work.

[B]

Yeah. You're talking three months.

[C]

No, not the whole time. Like, I wouldn't stay out there for a whole three months.

[A]

It would be like a weekend.

[C]

Pensacola's. Yeah, Pensacola's like three hours.

[A]

Yeah.

[C]

Like, I can literally go for a weekend and come right back.

[B]

Why go there?

[C]

Because they're busy in the summer.

[A]

Yeah.

[C]

Who doesn't go to Florida in the summer? Well, I mean, some people, but a lot of people do.

[B]

I thought that's when you shouldn't go because that's when it's humid and disgusting. But okay.

[A]

Beaches.

[C]

Yeah.

[B]

Get in the water cash app. Sending 50 out. Where'd that go?

[A]

To her? Or does it say, I don't know?

[C]

No, it's you.

[B]

No, it's blacked out. This is your account, but you sent

[A]

out $50 going out.

[B]

Yes, out. I would never tell you when.

[A]

I don't know. I make a lot of cash out payments.

[B]

2. For what?

[A]

To sometimes the her. Sometimes she'll get her nails done and be like, yo, can you send my nail person?

[B]

What the fuck did that cost? Those are shit. Oh, good back scratches. But shit.

[C]

They're cunty.

[B]

No.

[C]

Yeah.

[A]

No, they're not her best.

[B]

They're ghetto.

[A]

They're not my fave.

[B]

Those nails pick up ebt.

[C]

Okay, Short king.

[A]

Weak.

[C]

Anyway, I'm five foot nine.

[B]

The American average. How tall are you?

[C]

Short king.

[B]

I'm Not a short king. Okay, so why would that even matter? It's the American average.

[C]

So proud of being average.

[B]

I am proud of being average. Also proud of not having a kid at 18.

[C]

Good for you. Anyway, these were 115.

[B]

No, they were not.

[C]

What's up?

[A]

I'm not paying for them.

[B]

Jimmy John's.

[A]

Yeah, good shit.

[B]

I do like Jimmy John's, but she probably can't afford it.

[A]

I mean, the money was in the account.

[B]

You just overdrafted the other day, Ricard. Literally yesterday, the day before coming on financial audit, you overdrafted. Shut the up. Cash out. About $40. Walmart. That tracks with you guys. I don't even know if that was groceries, though. It's not really expensive. You went and I got some. What are you getting at the gas station?

[A]

Probably pizza and a drink.

[C]

Drinks.

[B]

Gas station. You're getting Racetrack.

[A]

No, Racetrack has great pizza.

[C]

They have good empanadas.

[A]

They do. Thank you.

[B]

Am I getting too privileged? Am I getting too privileged for this to, like, gross me out thinking about.

[A]

Ew.

[B]

It's good, Mark, you're poor. Am I getting too privileged?

[C]

Why don't you pay him enough?

[B]

I don't know. Okay. A solid. I don't know. Okay. No, he'll get there someday, Mark. He'll get there someday.

[C]

Give that boy a raise when he

[B]

meets his annual review performance. Yeah, absolutely.

[C]

You got this, Mark.

[B]

That's what everyone does now. That boy's pizza. I bet that's actually good pizza.

[A]

Oh, it's, eh. I would actually say racetrack is.

[B]

What the is wrong with you?

[A]

And that was for our son. Like, he likes pizza from there. So it's like this big. It's like.

[B]

You have Racetrack near here.

[C]

Y' all have like, 7 11.

[B]

Well, that's everywhere.

[A]

It's not, dude. We don't have it.

[C]

Yeah, we don't have that.

[B]

I guarantee you have 711 in the city.

[C]

No, not in the city, because I know Racetrack.

[B]

I think we have that in Michigan.

[A]

To be fair, Yalls, canes out here sucks. So could be different pizza out here.

[B]

So you guys came to a city with lots of good food and got canes.

[A]

It was 3am

[C]

to do break in.

[B]

Yeah.

[C]

Okay. I might.

[B]

No, we don't have racetracks. They're up in Dallas.

[C]

I like Dallas.

[B]

Why?

[C]

They have a Meow Wolf.

[B]

Huh?

[C]

They have, like, cool art stuff. They have a Meow Wolf. There's this place called Rainbow Vomit. That was cool.

[B]

Wow. Everybody, surprisingly do not have a 7 11. Okay, well, never mind. I was gonna get. I was Gonna get some racetrack pizza from the post show. But we can't even get that cash app out. 50 bucks again? Walmart. I doubt this. Groceries probably bullshit. EBay for $72. EBay for $11.66. What?

[A]

A keychain? It's a Tyranitar keychain.

[B]

What? I don't know what that is. Did you just call me a slur?

[A]

Oh yeah, she's got it.

[C]

That's him.

[B]

It looks like a member of the kkk.

[C]

That's crazy.

[B]

It doesn't. Not as someone that does not look like Pokemon.

[C]

Looks like. He kind of looks like. He looks like Tommy's little dinosaur guy, you know Reptar? Yeah, something like that.

[A]

Whatever.

[B]

Well, you have a young gravy tattoo too.

[A]

Yeah, we're not showing that one.

[B]

Why?

[C]

It's on my ass.

[A]

Right under the cheeks.

[B]

Right under the cheeks.

[A]

Under the cheeks. But cheeks is fat.

[C]

It's an autograph too.

[B]

By him.

[C]

Uh huh.

[A]

On a piece of paper.

[B]

He did it personally.

[C]

He did.

[B]

He is a fan of the show, right?

[C]

Is he? Hey, baby.

[A]

Hey Ari. What?

[B]

What's your alarm for?

[C]

Hey Matt.

[B]

Well look at it in the post show behind the paper.

[A]

Okay.

[C]

Period. Yeah, yeah, period. I also have Baby no money's name tattooed, but I'm waiting to get.

[B]

Why are you. Why, why? Just why those two?

[C]

It's my voice. I love them.

[B]

Okay.

[C]

I love Baby no money's a really great person. And I love how unserious.

[B]

Whoa. She fully fell for it. Like, I'm sure he's not a bad person.

[C]

Awesome.

[B]

I'm sure he's not a bad person.

[C]

He's vocal about like issues.

[B]

Exactly. That's what you fell for it. Because he just goes on to whatever the next thing is. He just posts about it like, I don't hate him at all again.

[C]

As you should.

[B]

He wanted to come on the show. We've texted. Like he. He's a good. I think he's probably a good dude, but he's literally like the classic like online. Like whatever the next thing. No, whatever the next thing is, he's an advocate for. So it's like you just kind of fell for it like you played, right? It's good. So keep doing your thing, buddy. You're making money. I appreciate it.

[C]

Love you, Alex.

[B]

Ulta. Okay, you don't.

[A]

I self tan. It's a little light right now, but in the sun. No, I can't tan. Like, I just get sunburned.

[B]

Marshalls. You went and said got some bullshit from racetrack again. Yeah, you get energy Drinks there too.

[A]

Yeah.

[B]

Okay, no longer. You are now using gamer subs. It is 40 cents a serving. It tastes better. It's really good. It's so good. 40 cents a serving. Using my discount code link in the description below, get your free samples to figure out which flavor you like and then either get the energy drink version or the electrolytes non energy drink version. It's up to you. Even melatonin versions as well. Check that out. 40 cents a serving. Make your energy drinks at home. Just like your coffee. Now that's how many times you go to racetrack. Five below. Pet smart. Great. We have pets to take care of. Fantastic. Amazon, Walmart.

[C]

The rabbits are in my life too.

[B]

Avian and exotic animal.

[A]

They had to get $4.

[C]

Yeah, we had to snip them.

[B]

Snip what? The rabbits?

[C]

Yeah. They had two litters.

[A]

Yeah.

[B]

Dick's Sporting goods. Amazon bullshit. Up in smoke again. McDonald's raising canes. You can't say the financial weight of the household is on you and you're just spending it all on literally just pleasuring yourself.

[A]

I mean, I buy it for her too.

[B]

Raising canes, which I do not know how a corporate chain like that even one state away has such a disparagement.

[A]

Like I don't really get that at the seasoning.

[B]

That doesn't make sense. You know that shipped from a factory somewhere, right?

[C]

No, I'm telling you, it may have

[B]

been some shitty workers. At 3am it may have been some shitty workers.

[C]

But like even like eBay.

[B]

Again.

[A]

18.

[C]

It was different.

[B]

That doesn't make sense. EBay, eBay. 18 again. Discount zone. EBay. $40 wingstop. Ooh, we love Spotify going in and getting some bullshit Apple Cash. Cash app. Cash app. Cash app. Cash app. Hundreds of dollars up in smoke

[A]

drinks.

[B]

So get off the strip. Go to another strip maybe.

[A]

Yeah.

[B]

Why? Strip club, right? And then you spent money there where you work again, which. How do you not just get a drink?

[C]

Why are you looking at me?

[B]

No, why aren't you allowed to just get a drink?

[A]

I just want to go like hang out with her.

[B]

You go. You're such a. No, you were just afraid she was getting inserted.

[A]

I have friends there too.

[C]

Layer.

[A]

Yeah, she does. Double layer.

[B]

What, you don't go naked on the strip?

[A]

Hell no.

[C]

No. First of all, it's illegal where we are.

[B]

You can't titty out.

[C]

No push. I mean, I show nip. Nips for tits.

[B]

Well, there you go. That's nudity. But yeah, okay.

[A]

But yeah, she definitely can't do the

[B]

One we went to as a hammer squad once was full.

[C]

No, not. Not this Pussoir for free.

[B]

Oh, it was nice. I like it. But in the lap dances.

[C]

No, still no. Really doubled up.

[B]

It's kind of crazy. Also. Thank you, Chat. At the moment of filming this episode, we just hit 3 million subscribers. CP. Thank you, Chat. Your hand is cold. Your hand is hot. That's weird.

[C]

Yeah, I have to use dry hands at work.

[A]

She's got sweaty ass. Hands like liquid.

[B]

McDonald's crawling seafood. Getting some bullshit. Raising canes. Appleville McDonald's. You can't complain about her when you're spending all this money, dumbass. Amazon prime discount zone where you work again. Amazon Crawl and seafood. I also missed a shit ton up here.

[A]

Alex. Cutie Pie.

[C]

Okay.

[B]

Cutie Pie boutique and Klarna TikTok shop.

[A]

Chronic migraine.

[C]

15 or more headache days a month each lasting four hours or more can

[A]

make me feel like a sleep spectator in my own life.

[C]

Botox Onobotulinum toxin A prevents headaches in adults with chronic migraine. It's not for those with 14 or fewer headache days a month. It's the number one prescribed branded chronic migraine preventive treatment.

[B]

Prescription Botox is injected by your doctor. Effects of Botox may spread hours to weeks after injection causing serious symptoms. Alert your doctor right away as difficulty swallowing, speaking, breathing, eye problems or muscle weakness can be signs of a life threatening condition. Patients with these conditions before injection are at highest risk. Risk Side effects may include allergic reactions, neck and injection site pain, fatigue and headache. Allergic reactions can include rash, welts, asthma symptoms and dizziness. Don't receive Botox if there's a skin infection. Tell your doctor your medical history. Muscle or nerve conditions including als, Lou Gehrig's disease, Myasthenia gravis or Lambert Eatin syndrome and medications including botulinum toxins as these may increase the risk of serious side effects. Why wait? Ask your doctor.

[C]

Visit botoxchronicmigraine.com or call 1-800-44-BOTOX to learn more.

[B]

Bar a Tik Tok shop. Exotic animal thing again, we're one going in. Getting some. This is insane. It still goes on. You're a problem. You're going to hold back the entire relationship because your parents have spoiled your entire life. I don't think you're being slaved. I don't think you know what the you're talking about. Okay? At that point you just demand a lot. You just demand a lot and you can't accept any progress that's been Done. It doesn't make any sense and you're not doing enough. Most likely, but even still continue making that progress. But this bullshit at the beginning, like I wanted to come on. Because my girlfriend treats me like a slave.

[A]

No, I agreed to be here. I didn't sign us up.

[B]

Uh huh. That's the note I had. Yeah, Exactly. Cheesecake Factory, 100 Bucks, Walk Ons, Hulu plus Jimmy John's, Cash App 27 Cash App 50, Cash App 50, Domino's, Chegg's study, going, eating some bullshit, getting some

[C]

bullshit she didn't even know about Chegg.

[A]

Yeah, I gotta cancel.

[B]

What is that?

[A]

Chegg. It's like it basically helps you like do your homework and stuff.

[B]

Yeah, cheating.

[A]

Yeah, we're not gonna call it that. I don't cheat.

[B]

Of course not.

[A]

It just helps me do my homework.

[B]

Uh huh.

[C]

Yeah.

[B]

The break room, doordash dash pass, Taco Bell, Klarna, TikTok shop, get in some bullshit Apple Bill, Ghost City Tours, Uber discount zone, Henry's Esquera. Oh it keeps going dead on decor down Decatur. Decatur.

[C]

Yeah, that was like our.

[A]

We did go out. We had a little. A cute date.

[B]

So as many of you know, I've been a big supporter of coursecareers 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 CourseCareers? 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 debt. CourseCareers 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 coursecareers is here to help you shape it. 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. Do you text her this too? I mean, I know I need more and all this stuff.

[A]

Oh, no.

[B]

Your little fights, we're always.

[A]

Yeah, we're always together.

[B]

I'm gonna review that in the post show. We'll see Revered Reverend Zombie house. Guys, you spend so much money, all right. Shop, going into raising canes, Vet pet, Smart pet, Walmart, but I think crawling

[C]

Seafood, Poke Poke, Nola. That's a Pokemon.

[B]

$48. 48. You don't have money. You just overdrive for the first time yesterday you the theater. Theater up in smoke. JJ Seafood, Sally Beauty, Tooty Tootie, Frozen Raising cakes, Klarna Atmitraw. 40 bucks. Who knows where that went? Thank you. Done. That's insane.

[A]

Klarna's paid off.

[B]

I am surprised. Congratulations. It took four payments. Glad that happened. Automatically without any self restraint. And then you just overdrafted yesterday, so shut the up. I'm surprised that is your first time. Okay, now all the debts are yours, which means you have an Alta card.

[C]

I do.

[B]

What's going on with this?

[C]

I opened it. 20, 22 ish, something like that. It was the first card that gave me like a big credit limit. They never should have.

[B]

No, you. You never should have signed up for. Of course they want to. They're making money. What are you talking about?

[C]

It was like a $5,000 limit when I opened it. They told me.

[B]

What is this?

[C]

What? What is what?

[B]

What's in your purse right now?

[C]

Do you want some?

[B]

What is that?

[A]

What are you thinking?

[B]

I'm actually thinking sugar from the. Look at it from here.

[C]

Salt the clementine.

[A]

She just likes to as a Jew. Okay, speaking Of. I know you hate this, but can I get to the bathroom?

[B]

No. $1,873.69. So 65 minimum. This takes eight years to pay off. Oh, I pay more than the minimum A little bit. But we'll see how long you can while debt is going up. Other places like, yes, you can. In a month. It's like, we'll see. 30.9%. No, no, no. Most of the interest is. Okay. 26 and then some is at 30. It's insane.

[A]

Dollars or percent interest, baby.

[B]

Okay, you have a freedom card. What's going on with this? You're spending money on this. Spending money on an interest accruing card that you do not fully pay off and takes two years if you don't spend.

[C]

Yeah, that has my Amazon prime subscription. And so like every time we, like, rent or buy a movie, it goes on there.

[B]

How about you pay off the cards and use the checking account? Listen, I'll let you use the mine card debit card. That builds credit. I'll allow that. And I'll get you both his course career certification when you make no money with your bachelor degrees.

[C]

Okay.

[B]

Because people in the audience have used them to get six figure jobs. Yeah. Are you in that now? Exactly. You. I'll hear when I hear it. Amazon. Amazon Prime.

[C]

Prime. Prime.

[B]

Prime. Someone. Do you have a shared Amazon account?

[A]

No.

[B]

Hold up your amazons.

[C]

Fine.

[B]

$80 in fees.

[C]

Wait, do you want, like, fees?

[B]

Okay, you've had late fees this year. 2. Yeah, yeah, I paid. I pay more. I pay more. Then next account. Two late fees. This year's afar. Three months in. You. You've missed two out of three.

[C]

You're. I'm screaming. My bad.

[B]

Do you not care about that? August. She said two of the three months late this year. Are you guys.

[C]

That purse is cute.

[B]

Yes.

[A]

She's talking about the damn purse.

[C]

Yes.

[B]

Do we not give a. I mean, I give a.

[A]

But that's.

[B]

Then what are you gonna do? What are you gonna do? That's your wife. That's your almost wife. You were about to be your wife.

[C]

Life.

[B]

You don't give a. Are you guys going to combine accounts? Were you going to combine accounts?

[A]

I don't. She wants to combine accounts. I've kind of been against it.

[B]

429 couch.

[A]

We're moving out.

[B]

You can't afford that. Go to Facebook Marketplace. You don't have money.

[C]

You don't have a couch.

[B]

Well, there you go. I don't give a. You have dogs.

[A]

I don't.

[B]

Don't you? Okay. Off. You don't have money.

[C]

It was a free cat exercise, Matt.

[B]

Don't have money. Oh, king bed frame. You don't have money. Sleep on a mattress. You poor mother. Become not poor by not being dumb asses. You guys actually make six figures a year combined.

[A]

Yeah, like we're not poor.

[B]

Yes, you are. That's what I'm trying to say. You don't need to be. You shouldn't be.

[A]

I'm not asking people for money. I have the money.

[B]

No, you don't. You overdraft the destiny. Are you money?

[A]

What Am I dealing with a card, though?

[B]

Yes. No. After you overdrafted, you don't have money. I just saw your checking account ain't out. Shut up. Endless charging cables, a dumbass purse, clothes for days, carpet cleaner. That one's actually fine metal. Tough feeder for rabbits. Okay, I'll accept Lego floating shells for your Lego. Bullshit. You. It's stupid, but because you don't need it. Dog pee pads. Why do we have that? Is that for the rabbits? Yeah, you need a clipboard folder. You need multiple clipboard folders. You need a thousand clipboard folders and notebooks. You need that Pokemon backpack.

[A]

No, I got a different Shut the up.

[B]

Spray things. Flexible tripod. What are you doing?

[A]

Wouldn't you like to know?

[B]

Yes, what are you doing?

[A]

I actually don't know why that's in there.

[B]

You purchased it for $20.

[A]

I didn't buy it.

[C]

No, it's in the cart.

[A]

It's in the cart.

[B]

Oh, I'm looking at the cart. Oh, you purchases this for the. Of course.

[C]

Maybe.

[B]

Are you guys. So you're actively doing this?

[A]

No, we're not actively doing it, but

[B]

you're buying it for conversation. So you guys are doing it. You guys are going to do it.

[C]

Talking about doing it.

[B]

And where do you stand on this?

[A]

We've been talking about it for, like a year.

[B]

Where do we. Where's our opinions?

[A]

I need more trust in the relationship. I don't know.

[C]

For what do you want me to get out of my car?

[B]

I don't think you'll ever get trust, though, from both ends. I don't think she's ever going to do what's required. And I also don't think. I think your goal post will always move, so I don't think you're ever gonna have it.

[A]

I mean, we did have it until, like, until the lying's been more recent, but yeah, lying.

[B]

I mean, you were cheating. Essentially, you were doing something behind the back that the boundary would have said no. Yes.

[C]

Okay.

[A]

And you ask her why? And like you can't even get an answer for it.

[B]

I don't like hardcover, colourpops and all this bullshit in your purchases. It's so stupid. You have 33. Three things in your cart.

[C]

Being abused.

[B]

Legos in our cards. Oh, okay. You have about a trillion Legos in your carts and stupid. Let me see your purchases. Let me see your purchases. Shut the up.

[C]

Okay.

[B]

Is this okay?

[C]

The T shirt was for our son's school fair thing.

[B]

Beats it. Just endlessly gets. It's just stacked with bullshit. This is so stupid. What a waste of money. Your entire life is a joke. Okay. What is this? True Accord. Outstanding amount of 277. I don't know what this is for.

[C]

That's my Klarna. It's in collection.

[B]

Oh yeah.

[C]

It was so long ago though, I forgot what it was for.

[B]

It couldn't have been that long ago.

[C]

I don't know.

[B]

$277.07. How'd you even get approved for this apartment?

[C]

My credit score isn't that bad.

[B]

What's your credit score?

[C]

It's like 670 something. I have credit karma. May I look at it? I actually got an email yesterday that my score went.

[B]

What's your score?

[A]

I don't have a credit score.

[B]

You just opened a credit card.

[A]

I just opened it, but I don't have.

[B]

You put that much on a credit card you just open?

[A]

Yeah.

[B]

So stupid. Okay, what's this? Affirm, right?

[C]

Is that me?

[A]

Yeah. I don't have a firm.

[B]

Klarna. Your Klarna, my Clara. Ebay's over and over again now you paid it off, but this is still it's money you are spending instead of your future. EBay, eBay, eBay, eBay, eBay, EBay. Then your new credit card.

[A]

Yeah.

[B]

Was the 2000. Brought it down to 400. But even still, that's aggressive. It is. Interest accruing it is back for 15 months. Oh my. What's your minimum? Probably like 25.

[A]

I don't know. It's set up on auto for the full balance. No, obviously.

[B]

No, it's not. She makes minimums and she's gonna get so far just headed down that path.

[A]

I've been minimums, I've been paying it

[B]

all a little more. But even still you're not paying off the balance, which is the only excuse, the only way you are allowed to take out of balance is if you pay it off. What?

[A]

Nothing.

[B]

What do you want?

[A]

I just opened that card. I put it on there. And now it's already down to 400, I feel like.

[B]

But it's not down to zero. You cannot purchase things on a credit card. This is just. It just shows how the behavior is going to go into the interest accruing period. You cannot open a credit card if you cannot fully pay it off. That is the entire way.

[A]

I can't use it when the interest.

[B]

No, I would just put gas on it once a month and pay it off immediately. That's what I would do.

[C]

30% it will be. Is that the goal?

[B]

What? No. Cause this is gonna be accruing interest. You wanna be under that? No, no, no, no, no. Shut the up. You wanna be under that or else a credit.

[C]

Okay, fine.

[B]

But you can still keep it at $0. You'll be fine. Just spend gas once a month on there. What is your issue?

[C]

I'm bad with self control.

[B]

Then you shouldn't have access to abilities to spend money you don't have. There you go. Take away the tools. Discover it almost paid off.

[C]

Yeah. That one's on auto. Pay for the full balance.

[B]

I'm gonna cross it off. Yeah, I see. But it's still money you do not have that you're just purchasing. And it's on the bullshit that I just saw. Prime Video. Etsy prime video. Prime. Prime. Prime. Prime. Amazon Prime. This is stupid.

[C]

Discover.

[B]

Yes.

[A]

I'm not the one that our kid

[C]

was spending on the Chase.

[B]

No. You have no idea what's going on ever about anything.

[C]

That's crazy. Do I pay for two?

[A]

To what? Amazon accounts?

[C]

Yeah, because. Are there ones on there?

[B]

Chase Auto. What is this? At a 12.74 interest rate? What's your car?

[C]

New car.

[B]

New car? What did you get?

[C]

I have two cars.

[B]

What did you get?

[C]

I got a 20, 25 Chevy tracks.

[B]

Why? 33.129.97. Always the strippers that get a car they can't afford. 679. Going into the slow season, your income fluctuates way too much. It's already worth only 21,000. You're underwater by 12. 12,000 that you just got on a car. You're underwater by 12,000.

[C]

Well, my other car had like.

[B]

Doesn't matter. Give a 10,000 hour car something. You don't even know what it was or what the cost would have been.

[C]

Girl. No, I don't know.

[B]

Take it to someone that does. Bring the butch one with you.

[A]

God damn masks. Mask, lesbian. I'm not butch or dyke or any of those other.

[B]

I wouldn't call you that.

[A]

It's just a little offensive. I'm not butch.

[B]

You can cry. Cry to her about it later.

[A]

Like if I looked like you, it'd be butch.

[B]

Yeah, yeah. No, bear.

[A]

No, no. That's a gay man.

[B]

Exactly. I'm a man. If you looked like me, you'd be a bear. No, you don't know what twink means.

[A]

Twink is skinny.

[B]

I'm sassy.

[C]

If you'd be skinny, I'd be a twink.

[B]

Yes, you do. Yes you do.

[A]

Oh, he's saying yeah, yeah.

[B]

Trust the gay.

[A]

Fine.

[B]

You don't know what you're talking about.

[A]

You're lucky.

[C]

You're like one of those whatever.

[B]

Yeah, no, no. Bear chunkers. Yes, bear.

[C]

I always thought of it like bear.

[B]

What am I.

[C]

He's not a bear.

[B]

Put me into something. Put me into a category.

[A]

A tubby custard.

[C]

It would be like a chubby twink.

[B]

Cub. Bear cub.

[A]

Bear cub.

[B]

Bear. Little transition cub, whatever. What cub?

[C]

Put those away.

[A]

No, right.

[B]

What?

[A]

Your whiskers.

[B]

You don't like em?

[A]

No, I'm a lesbian.

[B]

You don't like em.

[C]

No.

[B]

You're a bitch.

[A]

She likes them to look like babies.

[B]

You're like, what? Huh?

[C]

I don't. It like gives like a trim or something, huh? I don't like her lips hair either.

[A]

I do shave.

[C]

Yeah.

[B]

Okay, dude, this is a minimum payment that in the slow season terrifies me of $679.61.

[C]

And I do still pay my other car too, so I'm paying like almost a thousand dollars a month.

[B]

What cars?

[C]

Okay. I was by my like salesperson.

[B]

Oh, shut the up. You don't get by a salesperson. No, you fell into getting sold.

[C]

But he convinced me for whatever reason.

[B]

What do you think a salesperson is

[C]

not trade in my other car.

[B]

He can make salesperson sell it myself

[C]

because what do I know? I'm a girl, Caleb. I'm a girl.

[B]

So girls are. Congratulations on the day we. I'm a young ho today because of your logic on May. No, no, no. March 26th is national something. I don't know, payday. You know what that means?

[A]

No.

[B]

This is for the last calendar year apparently for the math that what men made from January 1st to January 1st, you guys now finally made from January 1st of last year to now. It took you an extra three months to catch up. And you're advocating for that because you're saying women are don't deserve money.

[C]

I don't think women are.

[B]

Well, you owe 70 cents on the dollar because of you. You're bringing down your entire marketplace.

[C]

I'm sorry, girls.

[B]

I'm just a girl as an excuse for everything. You. Your fault.

[C]

Not on your breakfast.

[B]

And I'm happy you cost less. Unfortunately, it requires your family keeping you at a job even though you're not qualified for it. And you'd be fired if your family wasn't there. So what do you owe on this old car?

[C]

I think it's like 7,000.

[B]

Oh, next page. Oh, it's this. It's the one on.

[C]

Ooh, it's under 7.

[B]

Oh, you guys deserve to get $6,707 at a 10.46% interest rate.

[A]

Are you not Jewish?

[B]

Huh?

[A]

Are you Jewish?

[B]

No.

[A]

So you can make that joke.

[C]

You look like a. I can make

[B]

jokes about anything I want. Whether or not someone chooses to be a friend it.

[A]

Period. Huh?

[C]

You look like a small and wide little Dickie.

[B]

What's a little Dickie?

[C]

You don't know little Dickie? Hi, I'm Dave.

[B]

Huh.

[C]

You know, white crime, shit like that.

[B]

Is it L? I, L? Dicky?

[C]

Yeah.

[B]

How do you spell Dickie?

[A]

What's a Y?

[C]

Dick Y.

[B]

Uh, really? I mean, he's like full, like Afro. It's a perm.

[C]

Okay.

[A]

Oh, I love that you claim it, though.

[C]

That's a choice.

[A]

Good for you.

[B]

Yeah, I don't care. Why does it not look good?

[A]

It's a little fallen.

[B]

Yeah. Yeah. I don't know. It's time to re. Perm now. At McDonald's, a McDouble is 250, so you can get your gym gains on or just get lunch for only 2.50. Get more value on the under $3 menu. Limited time only. Price, prices and participation may vary. Prices may be higher for delivery

[A]

today.

[B]

Didn't work out very well. It was actually kind of weird, but, like, I don't know what happened.

[C]

But that's also not good for your hair, isn't it?

[B]

It's okay. I take finesse.

[A]

Right?

[B]

I'm fine.

[A]

Trying to see the hairline.

[B]

It's fine. I got a big forehead, but hairline.

[A]

Yeah, it's pretty good.

[B]

Yeah. No, I'm not Jewish.

[C]

Okay.

[B]

Would you care if I was?

[A]

No, I. I'd feel better that you love said Jew. Oh, yeah, we do.

[C]

I would.

[B]

I would have put her on $358 a month. So that's on top of your previous car payment. You have a child. Why'd you get this car? So expensive and so stupid.

[C]

So that I can safely drive in places.

[B]

Why do you think every car before 2025 was immediately you get in it and you die. No, you're a stripper.

[C]

Okay. But also I'm not good at taking care of cars. And this one comes with the app, so it tells me when I have to take care of it.

[A]

Ever born not engaged.

[B]

I said you were engaged.

[C]

It tells me when I nail oil change. It tells me my tire pressure.

[A]

Helpless.

[C]

Literally tells me stuff. Literally.

[B]

Go yourself in Minecraft. And not like literally.

[C]

I actually die in Minecraft a lot. I don't play anymore.

[B]

The kids game.

[C]

I don't have the dexterity.

[B]

Dexterity. It's a kids game.

[C]

Yeah, I'm good at.

[B]

Mario, you are dating a broken individual. Okay? You have 39, 000 loans. 29000 hours of student loans.

[C]

Oh, really?

[B]

That's not good. You're not done. 29, $865. Your minimum TV is going to be like 250 bucks. 300 bucks. 3. 3. On top of all your other debt that you really can't pay off. So does that mean this Chase checking account is yours? 329. Well, better than her.

[C]

I don't have a checking with Chase. I don't have a checking with Chase.

[B]

So you have two?

[A]

Yeah. What the f. Well, I keep one.

[B]

Hey. Went from 200 to 300. Yippee. It's transferring things back and forth.

[A]

Yeah.

[B]

And you had an overdraft fee actually the other day, so not even just yesterday. So you've actually had multiple overdraft fees. So you actually have no idea what you're talking about. So shut the up. Do not defend your financial position in any way whatsoever. You're broken. You have no idea what's happening. You're broken. You have no idea what's happening. Shut up.

[C]

That's me.

[B]

Okay, you have like a thousand different accounts. I don't fully understand why.

[C]

So one of them I have a sub account for what?

[B]

I'm so confused how you're the one that is doing better. Like kind of. I mean, you have more debt and the car is. Do you actually have 7,000 in savings?

[C]

Yeah. Well, that is.

[B]

How is the literal one doing better than you?

[A]

Because that's for her kids.

[C]

Part of that is like, even still she was able to do it put to the side because I pay. So my mom, like I said, she pays like half of his tuition. So 5,000 of that next year is going straight to his tuition tattoo supply,

[B]

Real Skin, USA Nails, Amazon, Amazon getting fucking vending machine bullshit. Amazon bullshit. Amazon, Amazon bullshit.

[C]

Where you work?

[B]

Discount zone, which I Think we have one of those here? Unless they use that name for a lot of places. Is it a chain? Okay. Never been, but I've driven past it. Avian and exotic animals again. So you guys go there every second of your life. Vaping Chinese. Cash app. Cash app. Up in smoke again. Bullshit. Going to work. Amazon up in smoke. The boutique again. And withdraw. And withdraw. Yeah. Withdrawing 679. Who knows where that went? Vaping Cash app. Cash app. Cherry Kitten. Apple Cash. Oh, okay. Starbucks nails again.

[C]

Well, that's ideal market.

[B]

Cash app out. Uber eats. You know what money. I think that was parking. I think. Cash app. Cash app. Apple Bell. Vaping Southern images.

[C]

That was my son's school pictures.

[B]

Don't start on Onlyfans.

[A]

Why?

[B]

Because your kids friends will find it.

[C]

Okay.

[B]

At some point it's gonna be very embarrassing. And one of. One of you are more. And one of you are. Would be decent to masturbate to. And you do not want your son's friends to masturbate to.

[A]

To be fair, you have not seen me when I'm at work.

[C]

Bartending body is tea. That waste is ridiculous.

[B]

Are we gonna budget as a householder independently? Cause we should do as a household at this point.

[A]

I think so, yeah.

[B]

Okay. So household income.

[C]

Okay.

[B]

Let's get your debt. Minimum deputy payments.

[C]

I am. I did get a planner for it.

[B]

Good. Proud of you.

[C]

It was free too.

[B]

Wonderful.

[C]

That's where I was.

[B]

How many guys are you texting like this? How many guys does she text in like this?

[A]

3.

[B]

What is in half?

[C]

One of them's kind of falling off a little bit.

[B]

Why?

[A]

I mean, they all live far away.

[C]

Yeah.

[B]

So he fell off or you fell off. Why are you texting them? If you're not getting anything, why are you texting them?

[C]

Companionshipy.

[A]

Oh, wait. What the. What do you mean?

[C]

What do you mean? You read the deck.

[B]

Okay. We'll continue that in the post show. I'm gonna look at all them. Here we go. Okay. What's your rent?

[A]

14.

[C]

Oh, new rent. The soon to be.

[B]

Yes.

[C]

Right.

[B]

Utilities estimate.

[A]

Well, it's included.

[B]

Okay. Not. Is that including the Internet? Gas and electricity.

[A]

Yeah.

[B]

Good. Okay. Debt Minute payments. $1,167.61. Student loans will go on top of that. Unless you go to grad school. But then even knows who knows what we're doing. Phone bill.

[C]

Mine's like 71.

[B]

Okay.

[A]

Mine's paid for.

[B]

Okay. 71. Gas. Vroom, vroom. Drive. Drive.

[A]

I would put it high up there because we both drive to school.

[B]

Well, tell Me. We're high up there.

[C]

Maybe 50 a week for me.

[B]

Okay, so 200 for you.

[A]

Yeah. 400 as well.

[B]

How much for car insurance?

[C]

I pay mine six months in full. So what is it? I think it's like 14 for the six months.

[B]

Okay. 233 you.

[A]

Mine's taken care of.

[B]

I don't understand how you're all this up. You are the issue.

[A]

I. Yeah, kind of.

[B]

I mean you're getting worse. So 233amonth for you. 234. We'll call it groceries. Well kid and everything which will be able to do about 800. Follow the meal plan. They got to do meal prep. It's pretty good. So it's you're okay. TP fund. Anything else for you guys to survive? Tampons. Morning after all that good stuff. 250.

[A]

$80 for the rabbits for.

[B]

Okay, yeah, I'll put that in the pet. Okay. $80 for rabbits. Medical healthcare. Their co pays and on a monthly

[A]

basis I do get sick a lot. They're probably like 20 bucks.

[B]

Okay, 20 bucks. Subscriptions. I'll put 50. Okay. Anything else that needs to be in this budget, I need to know now.

[C]

My nails and hair like maintenance, oddly

[B]

enough actually might be justified for your work. Okay, so here's the thing. I'll give you a thousand dollars for whatever. Are you a contractor?

[C]

What do you mean?

[B]

Okay, go in Minecraft.

[C]

Oh, I figured it out. I am a. Yeah.

[B]

I'm giving you a thousand dollars for whatever you put it towards Fun. You put it for anything. It doesn't matter. And yet even still with that, you have an extra 5,000 hours left. So be easy. You guys just control your spending. You guys are absolute morons. $72,845.65. Yeah, it is. You guys are stupid of even needing to be on the show. Minus student loans. 42,000 minus. Okay, let's just call it $42,000. What's left by $5,000 literally takes eight and a half months and you get a fully funded emergency fund. Call that an extra eight months or whatever. A year and a half. You guys have a fully funded six month emergency fund and everything. And then you save up for retirement. You guys will be fine. That was the easiest in the world. Shut up. You guys are just control your spending and budget. Budget together. Shut the up children. We'll get back into that crazy and go through everything that's going on in the post show. So make sure you stick around for that. But let's get their hammer financial score first together spending in a budget over 0 out of 10 because you overspent debt. There's collection 0 out of 10 emergency fund but that savings for the kids okay there was like 2000 also additional 2000 so 2 out of 10 retirement. I didn't see anything. 0 to 10 real estate 0 out of 10. You need to start saving for retirement now. In a year and a half you'll be able to and you'll be able to actually have a pretty good retirement together. So Hammer Financial Score 0.5 out of 10 get yourself Caleb hammer.com Join Hammer Elite by clicking that join button. Join us for an extra 20 minutes of this in the Financial Auto Post show and three premium shows posted every single day six days a week. See you guys there and thanks for 3 million subs. Bye bye. At the end of that conversation you said no for emotional and extra shit. Yeah. What the do you mean by that?

[C]

I mean no.

[B]

Please go into it tell because she's not happy about this.

[C]

We've had those talks.

[B]

What are you getting out of this?

[C]

I like to flirt.

[B]

So you want to watch them jack up?

[C]

I like to look at it.

[B]

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