Str*pper Stormed Off Financial Audit

Summary

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Financial Audit Podcast Summary

Episode: Str*pper Stormed Off Financial Audit
Date: October 13, 2025
Host: Caleb Hammer
Guests: Pixie (22), Levi (24)
Location: Gulf Coast, Mississippi

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Overview

This explosive episode of Financial Audit features a young engaged couple, Pixie (former stripper, new Domino's delivery driver) and Levi (brewery worker, ex-car wash manager), who lay bare their financial and relationship chaos. The discussion delves deep into their mounting debt, fraught communication, questionable spending, and the stresses of expecting a child. With brutal honesty, sarcasm, and plenty of drama, host Caleb Hammer scrutinizes their finances, calls out dysfunctional patterns, and attempts to illuminate a path forward, even as arguments spiral and Pixie “storms off” mid-show.

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Key Discussion Points & Insights

1. Background & Income Situation

• Pixie recently started at Domino’s as a delivery driver after nearly a year of unemployment; previously, she worked as a stripper (making $500–1,000+/night in Mississippi and Louisiana).
• Levi works as a cellarman in a brewery ($16/hour, 35–37 hours/week), formerly a car wash manager ($4,000/month before being fired).
• The couple are engaged, expecting their first child, and own a house acquired largely as a result of Pixie’s stripping income and Levi’s somewhat improved credit.
• Both lack stable or sufficient income streams; Pixie's new job is unlikely to replace her stripping earnings.

“I was making my entire paycheck… working at the strip club.” – Pixie (08:12)

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2. Financial Mismanagement & Debt

• Their mortgage is $1,381/month, a perilous commitment given their combined net income (~$2,000/month now).
• Levi has hidden significant amounts of high-interest debt from Pixie. Over $50,000 was accumulated since his firing, largely on consolidation loans and credit cards.
• Many credit cards are maxed out, with late fees and minimum payments totaling $1,500+ monthly, not including the mortgage.

“You owe a total of $179,447.95.” – Caleb (124:51)

“That’s $1,589.17 in debt minimum payments, not including the mortgage.” – Caleb (130:17)

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3. Questionable Expenses & Priorities

• Despite constant struggles to pay basic bills, they routinely spend large sums eating out (notably, $1,000+ in one recent month).
• Significant credit card purchases are for nonessential items – energy drinks, gaming computers, pet expenses, vehicle maintenance, personal indulgences.
• Levi justifies some purchases as “keeping Pixie happy,” creating an illusion of stability while digging deeper into debt.

“If we are at a $1,300 mortgage on $2,000 net income... $1,000 going out to eat already pushes over our entire budget.” – Caleb (38:19)

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4. Communication & Relationship Dysfunction

• Their communication is circular, combative, and often devolves into name-calling and shutdowns.
• Pixie repeatedly expresses feeling uninformed, unappreciated, and restricted in the relationship; Levi is openly controlling with access to money and decision-making.
• Levi admits to hiding debts to “protect” Pixie from stress, but this creates deep mistrust.

“He’s not ever completely 100% honest with me…” – Pixie (84:27)

“You want her to fight, you want the fight fight. You’re not trying to resolve it.” – Caleb (79:58)

• Host and producers grow increasingly concerned; even after exposure, Pixie seems resigned, hoping for a “magic fix.”

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5. Irresponsibility Around Parenthood

• The pregnancy was not explicitly planned; they cite “illusion of security” from Pixie’s strip club income as a reason they were not using reliable contraception.
• Pixie’s mother stepped in (briefly) to pay for groceries, but has had to stop due to her own financial stress.
• Both struggle to articulate how they will afford a child; Caleb bluntly challenges their readiness and responsibility.

“You aren’t ready to be parents. You might be loving, but you’re not ready.” – Caleb (42:25)

• The couple also have four dogs and three birds, further straining their finances.

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6. Mental Health, Control, and Family Issues

• Family backgrounds include disability, lack of financial education, and unsupportive environments.
• Levi is open about his controlling tendencies and desire for Pixie to be more confrontational, while also expressing frustration at her shutting down.
• Host and producer point out the “red flags” of control and manipulation.

“Is this a controlling relationship?” – Caleb (107:01)

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7. Host’s Assessment & Recommendations

• Host levels harsh critiques and analogies (e.g., comparisons to “pimp”-like dynamic, jokes about animal welfare), emphasizing the severity of their situation.
• Caleb recommends bankruptcy as the likely only solution, paired with budgeting and counseling (offering to pay for a financial planner session).
• The couple receives a “Hammer Financial Score” of 1/10.

“Hammer Financial Score for the household: 1 out of 10.” – Caleb (134:58)

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Notable Quotes & Memorable Moments

• On hidden debt:
  “This is the second one you don’t know about. That’s right. Guess what? We’re nearing $20,000 of debt you didn’t even know about.” – Caleb (57:15)

• On priorities:
  “She kept asking why did we get a house? And still your answer was we got a bird.” – Caleb (59:27)

• On their dynamic:
  “Levi’s always right.” – Pixie (102:45) (recurring refrain throughout the show)

• On controlling behavior:
  “Because I don’t allow her to use them [credit cards].” – Levi (105:07)
  “That’s the dynamic you want in your relationship? …That’s crazy.” – Caleb (105:27)

• When Pixie storms off:
  “I’m done.” – Pixie (78:52)

• On hope:
  “I just think things will work out for some reason.” – Pixie (90:48)
  “Wow, that’s deeply optimistic. Based on nothing.” – Caleb (90:52)

• On the financial mess:
  “I wish I knew the full picture before we even got here …now I have to mentally process this for, like, the next week or so.” – Pixie (130:01)

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Key Timestamps

• 01:49–02:30 – Meet Pixie & Levi; overview of their situation
• 06:49–07:46 – Pixie explains getting fired from strip club due to pregnancy
• 10:06–10:45 – Pixie starts tattoo apprenticeship (unpaid)
• 13:01–14:03 – Pixie describes moving in with Levi immediately; relationship timeline
• 15:17 – How stripping supported their lifestyle/backstory of buying the house
• 18:04–18:12 – Pixie was paying mortgage, groceries, and “our fun”
• 38:19–39:03 – $1,000/month eating out, and impact on basic bills
• 52:16–52:45 – Host points out argument tactics; producer notes history of long, unproductive talks
• 57:15–57:45 – Reveal of $20,000 secret debt at 25% interest
• 78:52–79:08 – Pixie storms off after escalating blame/personal insults
• 90:12–91:10 – Host bluntly labels them “not ready” for a child or house; Pixie displays wishful optimism
• 130:01–130:17 – Reality check: $1,589 minimum debts + $1,381 mortgage = budget bust
• 134:58–136:11 – Hammer Financial Score: 1/10; tease for post-show bombshell

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Tone, Style, and Delivery

The episode is marked by sharp wit, no-nonsense financial analysis, and raw, sometimes uncomfortable honesty. Caleb maintains his signature blend of tough love and humor, mixing practical advice with biting sarcasm (and a few intentionally provocative jabs). The guests are candid and unfiltered, alternating between nervous laughter, argument, and resignation.

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Conclusion

This Financial Audit episode is a dramatic cautionary tale about communication breakdown, poor financial literacy, and the dangers of denial. Pixie and Levi’s story underscores hard lessons about the importance of transparency, planning, and maturity—especially before major life decisions like homeownership and parenthood. With bankruptcy looming, a baby on the way, and constant discord, their future hinges on immediate, drastic changes—financial, relational, and personal.

If you’re seeking an entertaining (if exasperating) primer on what not to do with your money and your partner, this candid episode delivers.

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For more, listen to the full episode or join the post-show for further revelations!

Transcript

[A]

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[B]

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[C]

Oh, so you lied to credit and you got a $3,000 computer. Shut the up.

[A]

Every single time I got money it all went to you.

[B]

She's saying she does not feel like she ever gets treated.

[C]

I don't know what the you want. What do you want?

[A]

I'm done.

[C]

Did I get you out of your parents house? Did I?

[B]

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[A]

Hi, my name is Pixie. I'm 22 years old.

[C]

I'm Levi and I'm 24 years old. We are from the Gulf coast of Mississippi.

[A]

I and this is financial audit.

[B]

I told my pregnant wife to skip the mortgage payment so we can make our credit cards is the one and only note I have. What the is that is not a good start, I'll be honest. Thanks for coming in from the Gulf coast, guys. That's crazy. Well, you guys are young to have a mortgage so this is exciting. Gulf coast probably not one of the more expensive areas. I know Mississippi sure isn't.

[A]

Yeah, it'd be cheap.

[B]

It'd be cheap.

[C]

No, not really. She's lying. She does not know money.

[B]

She does not know money.

[A]

No, actually I don't okay. He was actually the guy who taught me a lot about money and got me to get certain credit cards whenever I was 21. So it's okay.

[B]

We're all informed on different things. Well, that's okay that you don't know money. He doesn't understand hairlines. Like we got. It's. We all got our own issues. Okay. It's okay. What do you do for a living, Pixie?

[A]

Right now I was employed, unemployed for a little minute and then.

[B]

Little minute?

[A]

I just.

[B]

Now A little minute.

[A]

I don't know. How long was that?

[C]

I mean, technically she's been unemployed for like a whole year now, I would say.

[B]

Why are we saying technically?

[C]

Well, she was a for a while, but she's not licensed.

[B]

Well, that's how you guys met.

[C]

No, actually you didn't pay. No, no, I don't go to clubs. I'm sorry, I don't go in with any of that.

[B]

This is not linking.

[C]

We actually met at. We worked at the same job. We worked at a car wash together.

[B]

This a strip car wash?

[C]

No, no, it's a regular car wash. An express wash. You know, go up to the station, buy a wash, drive on through.

[B]

Oh, okay. Ok.

[C]

Regular run of the mill.

[B]

So you were putting out tits?

[A]

Yeah, for almost two years.

[B]

I was like full booby dancing.

[A]

It was fun.

[B]

I'm sure people enjoyed it. Did you make money?

[A]

I made a lot of money.

[B]

Pregnant? Yeah. Yeah, they usually end up there, but it's true. Were you guys dating the entire pregnancy?

[C]

Yes. So.

[B]

So you never did a back room.

[A]

Deal even before I was a.

[C]

Yes.

[B]

You never did a backroom deal then? Because here's the thing, I'll be honest. Which you probably wouldn't admit to, but here's the thing. I've only had one other run as far as I can remember, but I've had many people on the show that have gone to clubs and they've all paid to stick it in every single one of the dudes. Never once.

[C]

I will say that is not me.

[B]

Well done. I hope so. Oh, very giggly. Okay, we're happy to be here.

[A]

I'm nervous.

[B]

Okay. Yeah, I know. It's a cope giggle. It's okay. It's okay. Good. Well, I'm glad you didn't do that because again, all of a sudden that just started becoming our perception after every dude that was like going to strip clubs and spending money have had strip stiff actually. And then I had one other stripper. We never even uploaded the episode because she came all up and we didn't even realize it until like. And we didn't realize until 15 minutes in. Then we were like, we can't film this and you need to go get help. But. And she was sucking for money, so. So that was my perception.

[A]

Yeah.

[B]

No, I'm happy to hear you haven't. Do I fully believe in.

[A]

Not done that before? Actually I've been offered in a back room some dude, whilst I was like giving him a dance, he was like, if I give you a hundred extra dollars, will you suck my dick?

[C]

And.

[A]

And I told you dollars. I took the money.

[B]

Worth it. What does it usually cost?

[C]

Huh?

[B]

What does it usually cost?

[A]

Well, up there it was $300 for the 30 minute room. And that's like where he took me. And he had already given me the money. And then I was like, okay, well, he gave me the.

[B]

Did your coworkers accept to go down?

[A]

Huh?

[B]

What? Did your coworkers accept to go down? What's the going rate?

[A]

Well, up there, like, it was like $300, like flat.

[C]

He's. He's asking how much.

[A]

Oh, I have no clue.

[B]

Come on. Your friends didn't ever discuss you and.

[A]

Your co workers any with any of.

[B]

You guys didn't talk?

[A]

No. And none of them really admitted to it because they would get like, I.

[B]

Think the stripper that came because they'd.

[A]

Get aids, they'd get insta fired. Oh, for prostitutes?

[B]

Probably that too. Probably. Yeah. I think the one girl that came on the show said five hundred or a thousand.

[A]

What the. No.

[B]

Does she wanted her. I don't know. Yeah, it's really sad. That's why I'm just glad to hear you haven't done it. You say you have a job now, though. I assume it's not stripping. We're pregnant. Even though I bet some would enjoy seeing a little head peeking through.

[A]

Actually, they. They told me that once I was like showing like too far that I wasn't allowed to like show my face up there anymore.

[B]

Oh, they fired you?

[A]

Well, they didn't fire me.

[B]

They fired for being a.

[A]

They told me I could come back.

[B]

When you were done with the pregnancy. Yeah, sure, sure. Okay. What do you do then? What do you do? You said you said you were unemployed, but now you're not is what you're suggesting.

[A]

Yeah, I just got a job at Domino's.

[B]

Okay, good, good, good. As a delivery driver. So Tippin. How long have you been doing that?

[A]

I literally just started.

[B]

I was a delivery driver for Jimmy John's. Honestly, same age at 22. I mean, I did it from, like, 18 to 22? I think so. Just about to.

[C]

Sorry.

[B]

What?

[A]

Why are you crying?

[C]

Cause you said 18 to 22, and she's 22 and she's just now starting it. Sorry.

[B]

I think you're. Well, she was grinding. She was stripping.

[C]

Yeah, she was grinding. Okay.

[B]

I know that poll.

[C]

I don't. I don't like.

[B]

And Men's Lives.

[A]

I was a hustler.

[C]

Yeah, she was a hustler.

[B]

She was bouncing on dick that were.

[C]

In jeans, wearing jeans. She did not know about that.

[B]

I didn't okay with that.

[C]

She did not know about the towel trick until I told her about the towel trick.

[A]

Yeah, you bring a little towel and you could just, like, lay it on their lap.

[C]

And that way. That way there's another layer of protection.

[B]

I don't know. That's not my scene. Apparently. It's yours if you know the trick.

[C]

No, I just watched a lot of videos.

[A]

He's never gotten a lot.

[B]

Yes. Tripper videos. Everyone's favorite. So what do you make? How long have you been doing this?

[A]

Which one? Dominoes A day.

[B]

So you don't know how much you're gonna make?

[A]

Oh, have tips and everything? No.

[B]

What's your. What's your wage? Hourly?

[A]

They said it was $8.

[B]

They said it was $8. You don't know.

[A]

In store. In store.

[B]

And then once you're on the road, it goes down.

[A]

Yeah, it's like $4.

[B]

Yeah. That's traditional. Okay.

[A]

And then, like, the guy.

[B]

How many tips did you get that night?

[A]

It was, like, 13, but I only did, like, four deliveries. And, like, over how long? I was, like, splitting it. Training me. It's just like, a few hours.

[C]

Literally two hours training.

[B]

Do you need to drop off pizza? I didn't get trained to drop off sandwiches.

[A]

Making sure you're not, you know.

[B]

And are you?

[A]

I'm not.

[C]

A little bit.

[B]

Is she okay? Yeah. Okay. And what do you do? Because you must make money in order to pay these bills. Except what bills? We're suggesting to skip mortgages, so I'm assuming not doing incredibly well. Okay. That. Yes. Your pedo smile is really glaring through me. These laughs are loud. Ladies and gentlemen, I don't know how this is translating to the other side, but my ears are bleeding.

[C]

So. Currently, I am a cellarman at a brewery, so I can. And keg, beers, seltzers.

[B]

What do you make?

[C]

I'm making $16 an hour right now.

[B]

Damn. It's like, basically the only income in the house. How many hours a week are we.

[C]

Working 35 to 37, he tries to.

[A]

Hit 40, but he usually comes home for an hour every day for lunch, which.

[C]

Yeah, I have recently stopped that. So there was a point in time where I was coming back home because she wasn't home to take care of the dogs, to bring them outside and whatnot.

[B]

Why was she home?

[C]

Because she was at the tattoo shop. She's also a tattoo apprenticeship.

[A]

Oh, yeah, I have a tattoo.

[B]

Why not?

[A]

Sorry.

[B]

Why not just do something that. We're just not making money. Yeah, why not? Okay, great.

[C]

That's my exact thought, too.

[B]

That's your exact thought too?

[C]

Yeah.

[B]

What are the conversations around this?

[C]

Well, okay, so I've been in and.

[A]

Out of it for like a few years, like whenever I was eight.

[B]

Right. It's very effective.

[A]

Yeah. Whenever I was 18, I started an apprenticeship, like, right out of high school. And that person, like, he ended up, like, doing some really bad. And he had to, like, skip state. And so I never ended up, like, getting.

[B]

Yeah, but what's your thoughts on this? Because you're against it. I'm talking about. What's the conversation like around these.

[C]

Well, I mean, at first I was fully okay with it because I did have a good paying job and we were able to pay for everything pretty much. But after I lost that job and I ended up having this job, I've been trying to really get her to get more of a traditional job to where she can actually, you know, put forth towards the money that we need. Of course, now that's not to, you know, put her down because obviously, yes, she was stripping. She did make lots of money. She.

[B]

You were. You were making good money.

[C]

Yeah, she. She.

[B]

Well. Do they show hole in Alabama? Mississippi. Do they show hole in Mississippi? No, they don't in Texas, so.

[A]

Well, the club that I worked at here in Mississippi was a whole club. The. There was nudity, but, like, only on stage. Like. Yeah, like, girls could get naked.

[B]

Whoa. That's illegal in Texas.

[A]

Yeah, but like, the only right. The only requirement was that, like, you legal in Austin. Yeah. The only requirement was that, like, you're not on the edge of the stage where someone can, like, reach out and touch your.

[B]

18 + is full nudity. 21+ is only topless. How does that even makes sense? The older you get, the less nudity.

[A]

Hey, titties are titties, though.

[B]

Very weird. Titties are fine. They get boring after a while.

[A]

Sounds kind of gay.

[C]

Grandpa, do yours get boring?

[B]

Yes. Yeah. Okay, so what hits your account on a per paycheck basis and what is it, like, bi weekly?

[C]

It's weekly and yeah.

[B]

Well, hits on weekly.

[C]

Um, 450 to 500, 2000.

[B]

How we doing?

[C]

Not good.

[B]

Obviously not well if we're having to potentially skip a mortgage. You guys got a house together? How long have you guys been together?

[C]

Two years?

[A]

Yeah, about two years.

[B]

You guys met at the car wash?

[C]

Yes.

[B]

How, like, quickly did you guys get together?

[C]

We were talking for about a month, and then I was giving her rides home, and then I convinced her to take a ride to my house and. Okay, not at first.

[A]

Okay, okay.

[B]

But that was your first date. Hey, wanna come to my house? No, no, I'm taking you home. No, actually, come to mine instead.

[A]

So what happened was, is my car, I ended up having an accident and, like, one of my tires blew.

[B]

Okay.

[A]

And my boyfriend at the time refused to come in, like, give me rides and, like, help me out. And he was kind of being about it being, like, after a month of.

[B]

You taking her, you broke up and just started dating him?

[A]

Um, I kind of didn't. I didn't break up with him until after I already went.

[B]

He was your manager? He was your manager?

[A]

Sorry, Levi.

[B]

You went over and you. Him before you guys broke up?

[A]

Yes.

[C]

Yeah, she did.

[A]

But I did break. Like, I broke up with him directly after, and I didn't really get to have a physical conversation with him because he kind of just texted me who.

[B]

Was the boss of him and you.

[A]

No. What.

[B]

What's your manager?

[C]

Yeah, I, I, I was, I was on the low totem pole of the manager status, but, yes, I wasn't.

[B]

Oh, you were her manager?

[C]

Yes, I was her manager.

[A]

Yes. Yeah.

[B]

So you cheated now you broke up?

[A]

I didn't feel bad about it. I've been trying to break up with that guy for, like.

[B]

You know how you do it?

[C]

You do it.

[B]

Break up? What do you mean, trying to break up? What the. What's wrong with you?

[A]

Every single time I tried, he would, like, do that guilt trip, like, yeah, Kim, walk out. I don't give a. I'm gonna. If you leave me.

[B]

Well, maybe he does. I don't know. It doesn't mean you're forced to stay with someone.

[C]

You could call the police. If they say that, you can send them to the psych ward.

[A]

Okay. Okay. Well, I want to talk about that guy.

[B]

How quickly did you guys move in together? Quickly did this. How quickly did this all?

[A]

Pretty much once he brought me home and, like, we did the deed, I, I pretty much never left his house.

[B]

Like, you guys moved in Immediately.

[C]

Yeah, she pretty much.

[B]

Are you guys married?

[C]

We are engaged.

[B]

When did you guys get engaged? Because you're pregnant. August, you're pregnant. Have we mentioned that yet?

[A]

Yeah, yeah, I'm pregnant.

[B]

Yeah, she's pregnant. We have mentioned that. August, you got engaged?

[C]

Yes.

[B]

How far?

[A]

I am almost 20 weeks pregnant.

[B]

Okay. Okay. Is that why we got engaged? Guys, if we're talking about skipping paying our mortgage, why did we get off preggy?

[A]

So whenever we had gotten the house, like, I was stripping and, like, I made all the money in order for us to, like, make the down payment for the house thing.

[B]

Oh, it's the scene from the Big Short. I was a bartender. Now I own a boat. Okay, hold on. I'm gonna.

[C]

I'm gonna stop her right there, because.

[A]

Like, I don't know. Yes, because we had a house. We thought we'd be stable.

[C]

Hold up. Okay. Her stripping did not pay for the down payment of the house whatsoever. The down payment was $1,400. Okay. Her stripping did not go towards that. Her stripping actually went towards my debt, okay? Because I had about $4,000 worth of debt.

[A]

And how do you lie to me?

[C]

I had a shitty credit. No, I didn't lie to you. That's is what. This is exactly what I told you. And we've talked about this many times. You just don't know the money. I've tried to explain this many times.

[B]

Where's the confusion?

[C]

The confusion is she thinks that she basically paid for the down payment of the house, but in reality, she kind of just paid my debt and got my credit higher so that we could then buy the house.

[B]

How does she not know that She's. Why don't you know it?

[C]

She's slow.

[A]

I'm not slow. I guess this was unexplained to me. I don't know. Like, I thought, like. So I was, like, making the money. I was pretty much, like, just giving it to him.

[B]

You and her pimp?

[C]

No, I mean. Well, so it was my idea. Yeah, I mean, it was really her idea. So I guess you could say I was, quote, unquote, taking advantage of her or whatever. But I mean, I wouldn't say so because, I mean, Got her.

[A]

I mean, at this point, I kind of do.

[B]

How did. You guys. Can't pay for, apparently.

[C]

Well, I mean, it'll. It'll get paid for.

[B]

Will it? I mean, I'm being told no.

[C]

I mean, we are technically. We did miss the. This last month. We are actually behind. We did pay last month.

[A]

Okay.

[C]

Before the due date.

[B]

Do you even know this?

[A]

What I hate about.

[B]

Do you even know this?

[A]

Okay, I thought he told me that we'd be okay if all of a sudden I got pregnant and it'd just be his income. He told me he'd made just enough money to where he'd be able to.

[C]

$2,000 a month.

[B]

What's your mortgage, 13? What? In what world is 2,000 hours a month? How do you guys live off of that? I wouldn't be giggling. What the you guys are doing?

[A]

I'm nervous. I'm nervous. I'm nervous.

[B]

That's insane. In what world do you sit there? Money man. She knows nothing about money. You're the money man. How the.

[C]

I mean, technically, if you break it down. If there wasn't any other payments.

[B]

I mean, if there wasn't any other payments. Shocker. Food is a payment. Utilities are a payment. There's payments everywhere. Up until life is payments.

[A]

Up until I had to quit stripping. Like, I was making our mortgage payments. I was making money for all the groceries.

[C]

She was paying for the groceries. And our fun. My job at the car wash was paying for everything because I was making about 4,000amonth at the car wash. Why.

[B]

The did you leave the car wash?

[C]

I got fired, actually.

[B]

Both fired. Okay. Why were you fired?

[C]

Yeah, she quit the car wash. Yeah.

[B]

She was just fired from stripping.

[C]

Okay. Yeah, okay, fair.

[B]

Why? Why.

[C]

Why was I fired from. Yeah, there was a customer that didn't want to follow the car wash's policies, and he got handsy with me, and I essentially defended myself. The company didn't see it that way, and they fired me.

[B]

Did they have cameras?

[C]

Yeah.

[A]

Yeah.

[B]

And that's why they didn't see it themselves.

[C]

I mean, whenever a person pushes you back 10, 15ft and advances on you, I also watch. I would say that's pretty clear assault, but. Okay, it's because there's no tolerance policy against customers or something like that. I don't.

[B]

Well, what else happened? I mean, I was just texting. What happened?

[C]

Oh, okay. Well, he advanced upon me pretty much, and I unholstered my weapon. They have a no weapons policy.

[B]

Seems like grounds for firing.

[C]

I mean, yeah, if they have a.

[B]

No weapons policy and you whip out a gun.

[A]

Okay, well, like the car was.

[B]

That's a convenient thing to left out. Leave out that if Colton wasn't here, who already knows your entire life story, you. I would not have known the car wash was. Which doesn't make me trust anything you're saying.

[A]

Ghetto like area. I give a.

[B]

That's the Policy, and he got fired for it. And that's what happens. Maybe that shouldn't be the policy. Sure, but it wasn't. He got fired for breaking the policy. Is that not fair?

[C]

Yeah, no, it is fair. What I believe is unfair that everyone in the company knew that I carried and that I carried it for the past two years while working for the company.

[B]

Dude, you broke the rule.

[A]

I mean.

[C]

Yeah, no, I understand. I accept. I accept. What happened? Like, I. Yeah, okay.

[B]

Why'd you quit and go into stripping? Who just goes into stripping?

[A]

Well, I was still working at the car wash. Whenever I started stripping, I just, like, was making so much money that I was like, I'm making my entire paycheck, like, working at the strip club.

[B]

Why'd you pick up stripping?

[A]

It just seemed easy. Like, I'm pretty, I'm young, like.

[B]

Yeah. For long? I don't know, man.

[C]

There's people that strip into their 50s making money.

[A]

Yeah. There was a grandma in there making good money. Hell yeah.

[B]

Grandma go off, like, okay, for those into grandmas. I mean, how much were you making? I mean, you don't really have tits.

[A]

You want to donate some teddy?

[B]

Oh, from this happily.

[A]

And in. In. In Mississippi, I was making like, five to 800. And then I stopped working in Mississippi.

[B]

800 a night.

[A]

A night.

[B]

Okay. How many nights a week?

[A]

I would work, like, one or two nights.

[B]

Are you going back right after birthday?

[A]

Yeah. Okay, well, not right after, like, but.

[B]

Like, is that what we want to do? Because what's the. What's the career trajectory there? Right? Because that's what we're thinking about if we're locking down what we're doing for work.

[C]

I would love for her to not even have to work. I. I like, I truly.

[B]

Well, 2,000 hours a month.

[C]

I know. Yeah. Yeah. I wish I could have transferred into the same career field because there are other car washes down there, but one of them is ran by an imbecile.

[B]

Why are you car wash obsessed?

[A]

He's been in it for.

[C]

I like cleaning cars.

[B]

He's 24. I don't know.

[C]

He's become a detailer. No, I. Okay, so I do have a mobile detailing business. I do also do that. It's just not. It's just not big.

[B]

Well, that probably. Yeah, exactly. It's not that big.

[C]

Up recently, though, I have started.

[B]

When did you guys get this house? Why'd you think you could get a house? Just because the strip money, that's not such a consistent source of income. So much life changes.

[A]

It was pretty Consistent. I. For what?

[B]

The two years you did it. Like that's not a career trajectory on a 30 year mortgage. 30 year mortgage. It's not a two year mortgage.

[A]

The plan was I was going to strip until like I. Like I pretty much couldn't anymore. Well, yeah, but no career was gonna help. I don't know.

[B]

Which isn't doing.

[A]

Isn't doing now because I'm an apprentice. I just started.

[B]

Yeah, I've been trying to do it for two years. Have you been cash flowing this?

[A]

I support it.

[B]

How much does that cost?

[C]

Credit cards, how much does that cost? Anywhere between 6 to 700.

[B]

I thought you were going to say thousand. Okay.

[C]

No, now the. Now the detailing business. Yeah, that's more like 2000.

[A]

Yeah, he did ask me before he did all this stupid. I was just like, if you think it's gonna be. It's gonna work. I guess.

[B]

So guys, if you can barely even afford your mortgage and we're talking about skipping, how are you even affording. How are you even affording food? How are you even affording, like putting food on the table?

[C]

So we do have a lot of frozen stuff. She'll eat a chicken pot pie.

[B]

That costs money. How are you affording it? That doesn't make sense.

[C]

Some way somehow.

[B]

I mean, what's the some way somehow?

[A]

My, My mother, she. She kept on like offering it. Like I kept on offering what? I kept on refusing her, but she kept on being like, I'll buy your groceries like your mother's offered because she sees you guys.

[B]

How are you gonna afford a kid? Oh, okay.

[A]

And she, she was okay with doing it for a little while.

[B]

And then how long was she paying for yalls groceries?

[A]

It was only like two or three weeks that she.

[C]

Yeah, like she did it when? Within the last two months.

[A]

And now she has gotten kind of mad at like. Like she offered the help, but now she's like no longer wanting to provide said help.

[B]

Potentially good, but why? What's her reason?

[A]

She's saying it's a financial struggle on herself too. And the groceries are expensive for her too.

[B]

Probably is.

[A]

O.

[B]

She's enabling. Probably. Like what the are we doing?

[A]

They have their own financial issues.

[B]

I'm sure everyone does.

[C]

Yeah, Yeah. I don't know. We try and be open with everything, but I mean, I mean he says.

[A]

That he's completely transparent about all this stuff.

[B]

How did you guys choose to get a pregnancy?

[C]

We didn't choose that. It was just.

[B]

Why weren't you wrapped up or why weren't you pilled up?

[C]

Well, at that. Well, whenever she. Whenever, like this all happened, I still had my good job, so, like, I was still.

[B]

No, but you just said it was a. Whoops, baby. That doesn't answer why you weren't wrapped up. Dude, I had a good job, so I didn't wear a condom. What?

[C]

Well, yeah, we're still.

[B]

That's an interesting form of birth control.

[C]

I mean, if someone believes that they're somewhat stable, they have a home, and.

[B]

They don't give a. Like, were you trying to get pregnant or not? Or did you just not give?

[A]

I. I think we had the illusion of security because I was stripping and so I was making it possible for us to.

[B]

But were you guys trying to or not because you were condomless? No birth control.

[C]

I mean, I would say we ran out of condoms, if anything.

[B]

Condoms are pretty expensive, dude, go to the free clinic.

[C]

Oh, yeah, you can do that. You can do that. It was kind of.

[A]

I'm allergic to latex.

[C]

Oh, yeah, she is allergic to latex.

[B]

Did you not know that? What the.

[A]

No, we.

[C]

No, I knew that. I just forgot.

[B]

So you're wrong. Why didn't you do anything then? Like, even a cup or whatever that is?

[A]

I was on the pill for like a really long time.

[B]

You guys were just straight up dropping loads. Straight up, dropping loads constantly. And you just didn't give a.

[A]

No, not party naked. Okay.

[B]

Yeah, it does. It absolutely does. But with no protection, any kind.

[C]

I wouldn't say that we weren't trying and I wouldn't say that we were trying, but if it happened, we would take it as a blessing.

[B]

And is it a blessing?

[C]

Yes, I would say it's a blessing. Even. Even. Even in our state that we are in and how.

[B]

Which means very not great life for the kid also, meaning kid will grow up. Why Explain how we have lots of support there.

[C]

Thousands of kids that are born in.

[B]

Situations and you think they have an incredible life.

[C]

I believe I have an incredible life. I was born in a pretty situation, buddy.

[B]

I don't know. Maybe I think you're being a little optimistic right now. But come on, look where you haven't landed up anywhere spectacular.

[C]

I mean that. Okay. I love my job, though. They support me, they'll help me.

[B]

Yeah, but you can't pay your mortgage.

[A]

We have had many arguments about him getting a second job.

[B]

It's a repeated cycle oftentimes and you're bringing someone into that before you're even ready again. It's not much. You just pay off your debt before you run an emergency fund. Then yeah, knock it up. No, I stick it in the butt until then.

[C]

I understand.

[B]

Right.

[A]

I personally don't like it up my.

[B]

Okay.

[C]

I do like to try.

[B]

Okay, okay, okay.

[A]

You want to start fighting?

[B]

So it's an interesting time to bring a kid in again because you're bringing it into a repeated cycle. Seems pretty selfish.

[C]

What's the best way to break a repeated cycle than with a completely unexpected thing to help you realize what the you're doing?

[B]

You've been pregnant for how many weeks was that again?

[A]

Almost 20.

[B]

Yeah, I have your spending just a couple weeks ago, and a lot of it is what?

[C]

Bill.

[A]

Right. He's got the chart.

[C]

He's got a pie chart.

[B]

How much wind going out to eat last. Last statement last month.

[C]

Oh, you can blame her on that.

[A]

Bitch. What?

[B]

Well, how can I have a number, perhaps.

[C]

Let's see. We probably went out twice, maybe so. 150.

[B]

Okay. How much? What do you think? Come on, you were there. What do you think? What would you think just based on what you experience?

[C]

Just a guess.

[B]

A guess, lady.

[A]

$100.

[B]

Very good. It was a thousand. So you guys are. Yeah, you guys are. That plus your mortgage and you're way over. Yes. That was literally going, like, restaurants. Yes, you. You absolute. What? Yes, you. Welcome to numbers. I know you also seem to blame her a lot. Does he blame you for all the debt?

[A]

He does blame me for some of the stuff. It kind of does feel like a lot of this is my responsibility. Like, whenever I. I don't know, whenever I was, like, stripping, it felt like all my money was pretty much just, like, going out the window. Like, for his debt.

[B]

For your debt?

[A]

Yeah. I mean, whenever I was working in Louisiana, I was making, like, 800 to, like, a thousand dollars a night.

[B]

Still don't understand it, but that's good.

[A]

Like, I don't know it. Like, it's a money that should, like, last, like, a while. Like, I don't know, like. But, like, it was just, like, gone, like, that. Gone. And then it would be like, the end of the next week, he'd be like, off. You gotta go stripping again. And, like, make all this.

[C]

Well, she goes.

[A]

Like, you're gonna be, like, really bad if I don't make anything.

[C]

She went like, this is gonna be.

[B]

Insulting, but when I'm curious about something, I'm curious about something. So I'm unfortunately a filterless person. What the. Did people like.

[C]

What do you mean?

[B]

What do people like?

[C]

I don't know.

[A]

I always just talk them up. I would just chat them.

[C]

Okay.

[B]

It's the flirt. Yeah, because I guess you're young if people are into that. Specifically 22. That's right.

[A]

Yeah.

[B]

But, like, usually I don't understand, like.

[A]

What is their 40s and what's going on? I don't know.

[C]

What do you mean?

[B]

You just look like a person. This is like just the very normal, basic, average person.

[A]

I would just like, be like, really bubbly and cute. Like, the rooms are pretty dark also.

[C]

Damn, that's rude.

[A]

I know how to throw that. I know how to throw it back.

[C]

She does have it.

[B]

She makes up for it in the background.

[C]

Yeah, yeah, yeah, yeah, yeah, yeah. Especially now with her.

[B]

You have to.

[C]

It has gotten bigger.

[B]

Well, that happens.

[C]

Those have gotten big. They were smaller, if you can believe that.

[B]

It's possible. Okay.

[C]

Yeah, yeah, they were a lot smaller.

[B]

I'm gonna go three, two, one, and on point. I want you guys to give me at the exact same time what you think your financial score is for the whole household. Both of you combined. 0 to 10. 0 being the worst, 10 being the best. Okay, we get it. Same time. 3, 2, 1, 0, 0. We did not understand. Same time, but I appreciate it. If you want to get your financial assessment, take the Hammer financial [e-mail] it is free. See where you stand, where you're doing well, where you need to improve, where you completely take it. And then make sure. If you don't want to be like a guest who ends up on this show, sign up for the dollar wise budgeting app. There's a free trial and if you like it, you can save a lot of money by switching to the annual version. And when you do, I will sign my budget friendly cookbook and mail it directly to you. Learn more about Dollar Wise, the brand new upgrade updated Dollar [e-mail] all right, let's get into these documents because there's quite a few. Quite a few. Lots of paper lately. Getting lots of applicants with lots of debt.

[C]

You're welcome.

[B]

It's exciting. For $2,000 a month, it's very scary. We don't know how your income converts. I'm going to guess it's probably going to be an additional 15. You know what? What are you on the. What are you on the calendar for the schedule for how many hours a week?

[C]

She don't know.

[A]

I don't know. They haven't told me anything.

[B]

But you don't know your schedule? What if your schedules.

[C]

Right now, that's my exact same question. I'm joking.

[B]

Really, I.

[A]

Well, no, I told them I was going to come here so I because.

[C]

I wanted to obviously make a budget too because obviously, I mean obviously I have no idea how the I spent $1,000.

[B]

Well, speaking about not knowing how, I do have a note here. This debt you don't even know about. He sent this in and you don't even have a clue. Apparently if you've Google learn how to code more than three times this month, it is time to stop searching and start training. There's a reason you keep bouncing around. Most programming courses just teach theory, leaving you to figure out how to practice on your own. If you're tired of stumbling your way through clunky dev courses, no closer to a six figure dev job than the last time you watched a free python tutorial on YouTube. I've got something for you. It is called boot.dev and it's hands down the best way to learn how to code in a way that actually prepares you for the real world. Boot.dev is the only platform I found that actually trains you instead of just having you memorize syntax. Every lesson is followed by a coding challenge that feels more like playing a video game than taking a test. It's like if Duolingo in the gym had a baby built for backend developers. Python JavaScript Go 0 fluff just skill building hands on coding reps that train your brain to actually think like a developer, and their new training ground feature lets you work on smaller problems until you're confident enough to handle the next lesson. It's like grinding in video games to get enough XP for boss fights. That way, even when you're stuck, you're having fun. I never thought I'd be able to learn anything like coding, but boot.dev makes it addicting. So you want to code. Cool. Stop googling and start training. Go to boot.dev and use code Caleb Hammer to get 25% off your entire first year on the annual plan let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, y refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 889-733-978. That is 889-733-3978. Break free from the high interest trap and get your finances under control once and for all.

[A]

She knows I know he's in debt.

[B]

The first ones here are the ones she does not know about.

[C]

No.

[B]

Why doesn't she know about these?

[C]

So, like, the first main one, I kind of didn't want her to pay for all of my debt, and so I kind of wanted to hide a little bit of.

[B]

Hide?

[C]

Yeah.

[B]

She can't be aware and not pay at the same time.

[C]

I mean, I guess.

[A]

I mean, he asked me to help him with his debt, but, like.

[B]

But this is unknown. This is unknown.

[A]

He didn't tell me a number.

[C]

So I started to get tired of her being, I guess, scared or paranoid about the money.

[B]

Were you?

[A]

Yeah. It did put me in a mood.

[B]

How'd that go? Tell me about it.

[C]

I mean, I. So, I mean, we got into a few arguments. Of course, there were times where, like, I would come home and I'd ask, like, hey, what are we having for dinner? And she really wouldn't know because we wouldn't have anything. I just don't want her to be doing everything for me.

[B]

Are you?

[A]

I mean, for a while it kind of was.

[B]

Why? Why was she doing everything for you?

[C]

Well, so whenever we first started talking and we got together, she helped me out getting, like, my money together, and she helped me out with a little bit of her money to get a truck.

[A]

I gave him a thousand dollars for that truck.

[B]

Well, have you ever done anything yourself?

[C]

Sorry.

[B]

It's okay. What's going through his head right now? Don't grab his dick. We're not in the strip club.

[A]

I was grabbing his leg.

[B]

What's going through his head right now?

[A]

I don't know. He just. He doesn't like to discuss this stuff with me, I guess. And so he's always, like, kind of deflected from these conversations.

[B]

Is that fair to her, though, if you guys are engaged? She's pregnant. She. She has full nut. Converting to child like this is important times for her to be informed on the situation that a baby's about to be born.

[C]

Yes, that is true. She should be informed on everything. But I also don't want her to be worried about every little thing. Like I don't want her because no matter what, like, look, I know it's horrible to say, but if I have to miss a mortgage payment and them yell at me for 15 days, 30 days while I keep the electricity and the water on so that she, it seems okay. And if it comes to the point where we lose the house and we go back to my parents, I don't want her that whole time being stressed out about it.

[B]

Then why the did we spend a thousand hours going out to eat? I would be on your side. I would shed tear with you. I'd even give you a tissue. You, you spend a thousand hours going out to eat. I straight up, if we are at a thirteen hundred dollar a month mortgage on $2,000 net income right now, $1,000 going out to eat already pushes over our entire budget and we're complaining about not keeping the utilities on. You can almost your entire mortgage, which is already way too much of your money. You can't spend half of your income going out to eat and then cry about a mortgage and then cry about utilities. You can't.

[C]

I mean, I'm not, I'm not even. I'm not crying about that. Don't say I'm crying about that. I'm crying about the state that I'm putting her in.

[B]

Okay, then why the are you doing it? Because that thousand was spent to try.

[C]

And keep her happy or something, I guess.

[B]

I don't know.

[C]

To keep up the illusion.

[B]

Are you a dog? You gotta be. You have to spend on bones to keep her happy. $1,000 a month when we can't pay our bills. She's gonna be a mother of a child in a house that is financially unstable. I think that is what's gonna provide more unhappiness than anything else.

[C]

That's a fair point. That's. I mean, I hear you.

[A]

I mean I would have, I would have much more respected honesty and been like, hey, we need to go on a budget plan. Like we can't go out to eat like as often as like you want to.

[B]

Well, if that's the case, I've told.

[C]

You that many times.

[A]

I mean, he didn' fully put the brakes on. And so I didn't know where the stopping point was because again, I wasn't Fully. And I guess I wasn't fully informed on, like, what the was going on because he kept on telling me everything was okay.

[C]

I would tell her everything's okay. Then we wouldn't do anything, though. So, I mean.

[B]

Well, how do you feel about the fact that he did lie? Even with positive intent, potentially, he did lie. Thoughts?

[A]

I'm, I'm, I'm a little stunned. Like, I don't know.

[C]

She, She's. She's in the blank right now.

[A]

Yeah.

[B]

Well, here's one of, by the way, two debts that you've never even heard of or known that have existed, by the way. So let's start with number one. Yeah, yeah, exactly. Zabble. $9,057.18 with a minimum monthly payment of $271.49. By the way, on the $2,000 income, what are we at? That's like 15, 12. 12 and a half percent of our income to one. Minimum payment. One minute payment on a debt you didn't even know about. What the is this for? At a 24.2% interest rate, by the way. Horrendous. Disgusting.

[C]

My credit cards were out of 32. That's better.

[B]

Oh, you're telling me it's a consolidation?

[C]

It is.

[A]

I knew, I knew he was doing consolidation loans. I just didn't know it was that bad.

[B]

Where do consolidations lead us? May anyone please tell me? Yes. Balance. You drain it to fill the consolidation, but all of a sudden, now there's a big old money we can spend, and then you spend it, and then we're in double the debt. This is how it always works every time. Either through bankruptcy, consolidation, credit card transfers, you name it. Those are incredible tools. Incredible tools. But only after you change your behavior. And I get. I mean, I just saw $1,000 going up. Okay, okay. Hey, what was the outflow last month? Outflow includes interest accruing. But what was the outflow last month? We know what came in. It was nothing.

[C]

Bull. Probably about 3500.

[B]

Dude, your payroll was literally $1254 last month. Oh, okay. 1200 was paid. Were you stripping at this time?

[A]

No. Yeah, I was. I was.

[B]

How much did you make?

[C]

I think she was just finishing.

[B]

How do you pay? You put it in the atm?

[A]

No, I, I usually cash app.

[B]

Like, what is it?

[A]

I usually kept it cash. Unless he was paying bills. If he was paying bills, I don't think. Then he put it in his bank account.

[B]

I don't know. What was the outflow? Inflow is probably like 3,000. 4,000.

[C]

That's. That's why I said 3,500 for the inflow.

[B]

Well, no, no.

[C]

What do you think?

[B]

Outflow of 3500. What do you think? I know it's a guess, but what do you think? Come on.

[A]

I don't know.

[B]

You see the life around you? What do you think? It's spent on a monthly basis. This was the entirety. Come on. I don't know, dude, just picture your life. I need you to have some kind of reflection. $5,891.56. Bringing a kid into that. What a joke. What a joke. What are we doing? You guys aren't ready to be parents. You might be loving, but you're not ready.

[A]

Like, for some reason I still feel.

[C]

I mean, you're already on the right track.

[B]

A job, now, it's not gonna bring in much.

[C]

I know it's her unknown hours.

[B]

Like, this is confusing in a lower income, lower cost of living area. It's not going to be a. It's going to be money. It's not going to replenish the stripping. It's not going to replenish the stripping.

[A]

He. He kept on telling me everything would be okay if I had to quit my job. Like, I. I was like fully thinking everything. Yeah.

[B]

Why would you tell her this?

[C]

That was when I still had the car wash job.

[B]

Okay. Which brought in 3,000amonth instead of 2. 4.

[C]

4.

[B]

Okay. You still spent 6,000 last month. How would that have still worked?

[C]

Well, I wasn't in debt at that point in time either.

[B]

When did we not have debt?

[C]

I. At that point in time, I did not have the zabble or the one main.

[B]

Oh, but the other debt we had. Suicide.

[C]

It was. It was mostly gone. It was most.

[B]

When. When was this.

[C]

I've paid this debt off at least two or three times.

[B]

When was it that job? When were you fired?

[C]

In March of this year.

[B]

You have a killing. You have accumulated besides the mortgage. Approximately. Gotta do the math. You have accumulated since literally March, $51,000 of bad debt. 51,000. That's outside of the mortgage, ladies and gentlemen. 51,000.

[A]

So. So you knew all this and you still wanted me to get you a PS5 for Christmas?

[C]

You. And you got a $3,000 computer. Shut the upper.

[A]

Told me it was gonna be okay. Like you could pay for that.

[C]

Is your credit good? Is your credit cards good? Yeah, they are.

[B]

Yeah.

[A]

But I still have $700 on my Discover card. Like, I. Like you told me you were gonna give me the money back and I would have that paid off. Yeah, and I still don't.

[C]

I. The previous. I never said I would pay off the PS5. I never said that.

[A]

You told me you'd help me with it. I've had zero help. I said I've given me no money for that. And whenever I was stripping, you barely gave me any money to really pay that.

[C]

Said that I would pay for the gun that we bought on your card. Did I not give you money for that gun, yes or no? She's laughing because she knows I'm right. I never said I would help pay for that PS5. Not once. Tito's handmade vodka is America's favorite vodka for a reason.

[A]

From the first legal distillery in Texas, Tito's is six times distilled till it's just right and naturally gluten free, making it a high quality spirit that mixes with just about anything from the smoothest martinis to the best bloody Marys. Tito's is known for giving back, teaming up with non profits to serve its communities and do good for dogs. Make your next cocktail with Tito's. Distilled and bottled by 5th Generation Inc. Austin, Texas. 40% alcohol by volume. Savor responsibly.

[C]

The gun. Yes, I will agree to that.

[A]

Okay, well, you didn't, like, help me help myself, I guess. Because every single time I got money.

[C]

Help me help myself.

[A]

Every single time I got money, like, it all went to you.

[C]

Like, every single time it went to. Okay, correction.

[A]

It went to us.

[C]

It went to us.

[A]

It went to us. And you like. Yeah, I could have paid off my card for one night stripping. Like, I could have.

[C]

Would that have fixed our situation?

[A]

No, not really.

[C]

Okay.

[A]

I would have had less debt.

[C]

Your. Your debt is not the problem here.

[A]

I know it's not, but I could have helped you. I don't know. Some.

[C]

You can.

[A]

What the.

[C]

You can still help. Are you. Are you that special?

[A]

I just hate having $700.

[C]

I understand.

[A]

I hate having $27,000 in debt that I didn't need to take on. Like, I like. I like. Nothing gets spent on me like, ever.

[C]

A thousand dollars worth of restaurant money went towards you. The are you talking about?

[A]

I would have rathered it been something else. I don't know.

[C]

Okay, then don't ask for sushi every f. Cking day.

[A]

I'm pregnant. So make it.

[C]

We're on WIC now. You can buy that and make it. You gonna fill out the snap or the tan or whatever the f. Ck that form it. You gonna fill that? Are you gonna answer a yes or no question when it's an open ended. Yeah, she asked me a yes or no question and didn't know how to f Ing answer it. Sorry, you can't. Wait, wait. We are in Texas, right? Mutual combat does count, right?

[B]

Okay, that. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way, what whatsoever, like literal tens of thousands of people have done with our programs, go to Dollarwise.com, click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com let's go. Sorry, you're on SNAP.

[C]

No, we are.

[A]

I just got WIC and we are applying to Snap. He did the wrong application.

[B]

How much comes in with wic? What does that go to?

[C]

WIC is strictly for the groc.

[B]

What is it.

[A]

They give you like basic. They'll give you bread, milk, cereal.

[B]

They'll give you.

[C]

No.

[A]

Okay, you could go shopping.

[B]

Yeah, but how much can you get a month? Okay, so what can I contribute to the grocery budget?

[C]

It's separated. So there's like a fruits and veggies budget that they give you. I think it's like $47.

[A]

Yeah, it's $47 a month. And if you don't spend it all, then it just goes out the window.

[C]

And then we get X amount of pot. I don't know the exact that we get.

[B]

I want to be able to contribute to the grocery buses so we can put less cash towards it. Well, the computer was bought with the zab alone.

[C]

It was. Wait, what it. So it was.

[B]

Was a gaming computer.

[C]

I built it.

[B]

Yes, that hers. Her little. Her $3,000. Oh, now that you've calmed down, it's ours.

[C]

Well, I mean she wanted it.

[B]

It's gone down to ours. It's become ours. Streaming.

[C]

No, she plays this game called Planet Zoo.

[B]

You never.

[A]

I can't play it anymore because, you know.

[C]

What do you mean you can't play anymore?

[A]

I'm never home. And if I am home, I have, like, I. I'm focused on other things.

[C]

Like, maybe you shouldn't have a tattoo apprentice. You can have more time at home.

[A]

Oh, oh, okay. So I shouldn't strive for my career?

[C]

You don't make any money in it.

[A]

You don't make money for a while, but once you get the clientele, like, you can make some money.

[C]

Like, now, here's the most important question is, are you going to get that clientele? I'm just saying, like, you can do all this drawing, but, I mean, you're not even doing anything on skin. You're not doing anything on fake skin.

[A]

Yeah. Cause I don't want to anyone up on real skin because that's kind of, you know, a little bit permanent.

[B]

Oh, how often do we communicate like this?

[A]

Oh, no, we usually at each other at this point. Oh, this is communication? Yeah. No, this usually goes down the.

[B]

Yes. I'm asking how often.

[C]

Oh, we have a lovely conversation. At least once a week.

[B]

Once a week? I'm surprised it's that little.

[A]

No, it's more like twice a week.

[C]

Oh, okay, maybe.

[B]

Yeah. The women are better at remembering.

[A]

Typically, he usually starts the bit, she'll.

[C]

Remember that, but she won't remember anything else.

[B]

Well, no, no. Women. Yes, women. You. Yes, you guys do better remembering arguments.

[A]

He forgets them, and I'm just like, we move on.

[C]

Actually, I remember the important parts of the arguments, the fundamental parts of it, but.

[A]

Okay, he's always right.

[C]

No, there are many times I've said that you are right.

[A]

I can't even count on one hand. Okay, how many times you have said that?

[C]

Did I.

[A]

You are bullshitting for the camera.

[C]

Did I not.

[A]

You are bullshit.

[C]

Did I not blame the government for asking a stupid question?

[A]

Yeah. After we had a whole fit and you called me a mess.

[C]

Because you asked me a yes or no question and you told me that you didn't know how to answer it. Yes. No, no. Yes. I will agree that I. I do get, you know, heated at times and I do get loud. But if you, I don't know, look past.

[A]

Levi's always right. Levi's always right. That's all you need to know.

[C]

And Pixie's always.

[B]

I will say from a debate tactic, you do shut down unstopped.

[A]

Yeah, I do. And he knows that. He knows that.

[B]

If we're strategically trying to win, which I don't think that's not necessarily how we should be having these conversations. I'll just say. And then, Mr. Levi, you do get a bit personal.

[C]

Yes, I do.

[B]

Which is it necessarily best for these type of conversations? I will also say.

[C]

Fair. Yeah, I agree with you. I agree with you. I could work on my tone of voice and how I come out.

[B]

Colton just texted in here, and this is why his conversation with you guys was four hours long before you came here. Oh.

[A]

Sorry.

[C]

Oh, he enjoyed it, though.

[B]

I'm sure he did. I'm sure he did.

[A]

Slowly turns next page.

[C]

It's just like, Sorry, microphone.

[B]

And you're telling me the conversations outside of here are even less effective than that? Because it just gets petty as.

[A]

Oh, yes. Oh, yes, it does.

[B]

What is the pettiness it turns into?

[A]

Well, he calls. He usually, like, ends up calling me a dumb. Because my mother has a. Okay, it's not because Disability. And so he starts saying because she's. That I'm.

[C]

No, that is not true. That is not.

[A]

That has happened before.

[C]

Just. Just because your mom is.

[A]

I'm exposing his narcissism. Okay.

[B]

So that's how it ends up. You call each other names.

[A]

He calls me names, and I just shut down.

[C]

She shuts down before I start with the names, actually.

[B]

So she shuts down. That triggers you, and then you bring out the names.

[C]

Yes.

[B]

Why don't you. Well, no, I don't want you.

[C]

I would love.

[A]

He'd get more pissed.

[C]

No, no, see, that's the thing. That's the thing is I would love for her to, like, get some fiery back. I would love for it.

[B]

Why?

[C]

It would show me that she's alive.

[A]

I'm a violent person.

[C]

No, I'm not telling you to be violent. That's not what I'm saying.

[A]

No, if I get angry, I get violent.

[C]

I would just love. I would love for you to just use your words and not shut down to the point to where I do yellow.

[A]

Y' all are. Y' all are gonna see this on the news to hear from me.

[C]

You'll hear it from me.

[B]

Sorry.

[A]

He's gonna be dead in the ditch.

[B]

Do you not like mom?

[C]

Oh, no, I do not. I do not like her immediate family, really, at all. The rest of her family, though, I. I do like them. But her mom and dad, I truly believe that they have failed her.

[A]

Oh, yeah. They didn't teach me about any kind of financial.

[B]

Does she have.

[A]

She is missing part of her brain.

[B]

It was Taken out?

[A]

No, she was born that way.

[C]

Yeah, she was born with.

[B]

How is she.

[C]

Scale of 1 to 10?

[A]

Okay, she's. @ some point she was smart and able enough to want to become a nurse. And then she had gotten pregnant and then she married my dad and I guess she just gave up on that. She's been a stay at home mom like my entire life. That's all I've ever known.

[B]

She legally consent to that?

[A]

To what?

[B]

The sex?

[A]

Yeah, yeah. She's not that.

[B]

I don't know. I'm going off of.

[C]

See, I. I question that too.

[A]

She just has really bad memory issues because her brain's. That's overcompensating for what's missing.

[B]

It's just memory. That's it.

[C]

Oh, it's thought process too.

[A]

Oh, yeah.

[C]

And motor skills.

[A]

Yeah, she. She has zero motor skills.

[C]

No, she can move though. Like, she can walk around.

[A]

She's literally missing the part of your brain that controls like, what's the word? Like all your motor functions. All of them? All of them. Like if she's about to face plant, she has to like physically think about it instead of just like.

[B]

Gravity won't do it.

[A]

She won't have the reflex. She doesn't have the reflex. She has to like actually think about what the she's doing.

[C]

She got no Abdullah oblongata or whatever that thing is, right? Medulla oblongata. Is that what it is? Or is that. Oh, alligators have that, right?

[B]

Water Boy. $8,723.79. One main financial at a 25.5 interest rate, minimum payment $268.66. What the is this? Possibly this is the second one you don't know about. That's right. Guess What? We're nearing $20,000 of debt you didn't even know about. How much stripping is that? How much butthole being gazed into is that 20,000.

[C]

So that would be less than a year actually.

[B]

Show your butthole to people.

[C]

No, she doesn't. She might have flashed it. I'm not. I mean, if she wants to give a little wink to them.

[B]

Have you been. Let's have her answer.

[A]

No, I did not take off my underwear.

[B]

Very well done. Okay, good.

[C]

That makes me happy.

[B]

That makes me happy too. $20,000 of debt you did not know about. All at like that. 25 interest rate, minimum payments now equaling a fourth of the household income.

[A]

Why did we get a house?

[C]

Because we had two dogs.

[A]

We could have lived with your mom.

[B]

Two dogs, two birds.

[C]

My mom was mad at You. Because you kept doing laundry in your goddamn underwear. All right, we were stuck in a house with three other people.

[A]

I didn't know about that.

[B]

What's wrong with a woman in underwear?

[C]

My mom don't want to see that and her husband don't want to see that.

[B]

Just underwear.

[A]

I would. Literally.

[B]

It's the same thing you'd see at the beach, right?

[C]

I mean, panties bent over. I mean.

[A]

No, I would wear shorts. I remember, like, I would never step out of your room without shorts on.

[C]

Okay, well, I mean, if it wasn't really that, then okay, well, okay.

[B]

We couldn't live with mom cuz hole was slightly showing, which apparently we don't show, but kind of around house maybe. I don't know. It's a mother. Interesting. We had to buy a house and you bring up these dogs and birds and what we were.

[C]

We were living with my parents in a small room. I already had a dog. We ended up getting a bird for some reason.

[B]

Why?

[C]

Ask her.

[B]

Okay.

[A]

Why? He. He didn't tell me.

[C]

No, she kept asking.

[A]

Okay. I really wanted this kind of bird for like, a really long time. But, like, I was fully okay with, like, bringing it to my house and then, like, going to. Can take care of them.

[C]

Like, you never. You never went to your house to take care of your first bird? You stayed at my house. Your father and mother would take care of your.

[B]

Ladies and gentlemen, if you want a solid six and a half out of ten to impregnate them, just go to the south and get them a bird.

[C]

Yes.

[B]

And then you can do anything.

[C]

Yes.

[B]

So she asked, why did we get a house? And still your answer was we got a bird.

[C]

No.

[B]

And we lived in a small room.

[C]

We were cramped.

[B]

And that happens. But I don't understand why that equals let's get a mortgage instead of rent a pit bull.

[C]

Mississippi can't rent.

[B]

Don't have a pit bull.

[C]

You what?

[B]

Okay.

[C]

Damn. That's my baby.

[B]

Well, that didn't work out very well.

[A]

Okay.

[C]

I mean, I had that dog beforehand.

[A]

We have way too many dogs at this point.

[B]

How many dogs do you have?

[A]

We have four.

[B]

For every pit bull, the.

[A]

I have three. I thought we were full. And then we got another one.

[C]

That's her fault.

[B]

What's the percentage the child makes it to one. With every pibble we add.

[C]

Oh, 100%. Haku would offend. Yeah, Haku's very, very protective. He's a good boy.

[B]

Great.

[C]

One out of four. When did making plans get this complicated? It's time to streamline with WhatsApp, the secure messaging app that brings the whole group together. Use polls to settle dinner plans, Send event invites and pin messages so no one forgets mom's 60th and never miss a meme or milestone. All protected with end to end encryption. It's time for WhatsApp Message Privately with everyone. Learn [e-mail] Ah, two out of four. This is my thought process.

[A]

And the other 50%. Levi's always right.

[C]

Haku's the alpha. Haku's the alpha. And he has dog.

[A]

He's a little. How many times when I first met.

[C]

Him, how many times did you leave the bunny out and hockey.

[B]

There's a bunny.

[C]

There was a bunny.

[A]

I got rid of him.

[B]

And then the pit bull ate it.

[C]

No, we sold it because the pit.

[B]

Bull was gonna eat it.

[C]

No, the pit bull would protect that thing with its.

[A]

Mostly because I got pregnant and like, all the animals.

[C]

Let me. Let me. Hold on. Let me. Let me. Let me say something real quick.

[B]

How many animals right now?

[C]

Seven.

[B]

What are they?

[C]

Three birds and four dogs.

[B]

Good. Guys, what are you doing? You're bringing a child into this?

[C]

Look, a pit bull will not eat a dog unless you treat it poorly.

[B]

A dog.

[C]

Oh, I said that wrong. A pit bull will not eat a baby unless you treat it wrong.

[B]

You know what's interesting? No one else has to say that about any other dog breed.

[A]

A poodle will eat your baby.

[C]

Yeah, a poodle will. A Chihuahua will out of jealousy. A Staffordshire pit bull will not.

[B]

Interesting that. They're the only ones that have statistical probabilities of.

[C]

They are nanny dogs. They are actually really low on that list. Thank you very much. I would love for you to research that, actually.

[B]

Okay.

[C]

You may know credit cards and whatnot, but pit bulls are not dangerous.

[A]

I think you're being.

[C]

I think he's being towards pit bulls and generalizing them. I think they're what?

[A]

I think.

[C]

I think they're what, ranked 23, 24.

[A]

I think we are assholes for any of them and having no time for any of them, especially the baby. The baby dog.

[C]

You wanted the baby dog.

[A]

Cause I was like, holy, that's cute. But, like.

[C]

And then now you hate him. You.

[A]

You told me it was gonna be chill. You were gonna take care of the dog. You were gonna train the dog. Now you have no time to train the dog. This dog misbehaves, and he's just a asshole.

[C]

The other three are good.

[A]

Like, I honestly, like, kind of want to get rid of him. Like, low key.

[C]

I Do give me time. I mean, we can sell him for a decent amount.

[A]

He is a pure split I have given you. All of you want to get rid of him. I'm a very patient person. My mom is disabled. I have been taught patience.

[C]

Hey, we got rid of your bunny. I will. I will make a deal with you and I will get rid of one of the dogs. If you want to get rid of Chonks. Since you got rid of your bunny, I will get rid of Chonks. See, now she's sad because she doesn't want to get rid of him.

[B]

Oh, also, Pitbulls only make up 60 to 70% of all fatal child dog related accidents in the United States.

[A]

He's also the only one that has bit you. Do you want to show people your thumb?

[C]

That's chunks.

[A]

Yeah.

[C]

He bit you, not Haku.

[B]

Yes, I guess it's the good 30% also.

[C]

You gotta put that in context.

[B]

One of the good ones.

[C]

You gotta put that in context. Two of the dogs were fighting. Okay. And I was stupid.

[B]

That's the context for 70% of all fatal child attacks. Okay. You asked me to look it up, so I did.

[C]

Well, I was more specifically wanting you.

[B]

To look up 70%.

[C]

Okay.

[B]

Of all child fatal dog related incidents in the United States.

[C]

Okay. Yeah, they. Okay.

[A]

Small children. Yes, you're right.

[B]

When they're easier to just.

[A]

Yeah. Literally like a infant that we're going to have.

[B]

I love dogs. I actually don't care about pit bulls. I pet every pit bull I see. And I love dogs. I lived with one for a bit. It was actually the worst dog I've ever lived with. I'm going to say that. But that's okay. I don't think it was the pit bull's fault. I think it was the owner's fault.

[A]

See?

[C]

See now pissed.

[B]

And in front of my door every day I woke up.

[C]

You could probably.

[B]

Either way, 70%.

[C]

You can research that 70%. And I bet out of that 70%, 80% of those people are horrible dog owners.

[B]

You guys are insane. And the fact that again, according to you, this is considered one of the more productive conversations y' all have, I.

[C]

Think that's because there's a third person there. That's why it's productive.

[B]

I'm barely involved. Navy Federal Credit Union. Okay, she knows about this one. Did you know it's over. Maxed out. You look like you just woke up from my. What happened?

[A]

Did I what?

[B]

I don't know. As you pulled up. Back to the map to the mic.

[A]

No, I have never done.

[B]

Hi Alison here. Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to webull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amounts, and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with Direct and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up. Incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to helium. Get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com you will not regret any of these. Change your life today. Navy Federal did you know you're maxed out?

[A]

He didn't tell me he was the opiate billing. How much is it?

[B]

$2,015.63. It's a $2,000 credit limit. What do you think about that?

[C]

It'll get paid.

[A]

He keeps on telling me I don't know about money, but I'm starting to think he doesn't.

[B]

Well, I agree that probably neither of.

[C]

You know at one point it was good.

[B]

Does that matter? If it weren't, if you didn't murder anyone but then you did is your defense. Well, I didn't murder people up until now. Like it doesn't matter. This is what's happening. I also wouldn't judge you if you're a piece of 10 years ago. I judge you for what you're doing now.

[C]

That's good. That's good.

[B]

Yeah, now's all that literally matters. And the future Pass. Not as much. That's what it was.

[C]

I like that.

[B]

Okay, great. So stop bringing up that argument. $66.21 of purchases. Are we summoning something to the child? What was that?

[C]

Her palms are sweaty, knees weak, arms are heavy.

[B]

Hold it out.

[C]

Ugh.

[B]

Okay, $66.21 a purchase is why on a credit card we can't pay off. That is not accruing interest or that is accruing. It's just that we can't pay off. That is over the limit, even.

[C]

I don't know. That's probably my longest running credit card right there.

[B]

Oh, good. Wonderful. How long does this take to pay off? If we do not purchase.

[C]

What you're.

[B]

Incapable of and we only make minimum payments, which is all you do.

[C]

Probably four years.

[B]

Four years is your kid will be four?

[C]

Yeah, he would be.

[B]

How long do you think? Okay. Your kid will be 13, actually. Oh, that's if you don't purchase, but you always do.

[C]

Oh, that would just be minimum payments, though.

[B]

Thirteen will be in. Yes. Minimum payments without purchases.

[C]

Okay.

[B]

Yes. You put a little extra towards minimum. Doesn't make. It doesn't make any difference though, because you purchased well beyond what would have been considered net minimum anyway.

[C]

13.

[B]

Middle school, right? I think. Yeah.

[C]

Yeah.

[B]

Kids in middle school and this is finally getting paid off almost high school. That's not fair.

[A]

No, that's not fair.

[B]

In what way is that not fair?

[A]

That's not fair to them.

[B]

To who? To the kid. I agree. So why the are we purchasing on it? What did we do, Spotify? Peacock. Peacock? Why Peacock? I'm Amazon Prime. Something on Prime. You went into a gas station. Got what you getting?

[C]

Kickstarts for the morning.

[B]

Kickstart? What's that? An energy drink? Yeah, and that's why. This is literally why I approach these guys to be our things. Have you heard of gamerstops? Well, you should. Dude, you buy the tub. You buy the tub, it's 40 bucks. But you get 100 servings. That is 100 of your kickstarts every morning. That is 25 cents per energy drink. Instead of you going and spending $8.30.

[C]

Is it as good?

[B]

Yes, dude, it's incredible. Yeah, do it. Seriously. We've tasted them all. This is great. I don't know if I've had this one. Good is my favorite. It's cherry.

[A]

Yeah, you like that dino fart, don't you?

[C]

That does actually taste pretty good.

[B]

Dude, fire. I'm not gonna lie. It's literally they're like the only people. I reached out wanting a sponsorship because it's so good.

[C]

That's pretty good.

[B]

We got that link below. You know what to do. But either way. 25 cents. 25 cents. 25 cents for your wake up thing instead of this $8 80. This is like the most budget. I always tell people to buy in bulk. This is it. It's 25 cents instead of $8.

[C]

I like.

[B]

That's budget to its core. Yeah, 25. Off with my link. But either way, I, I have bought.

[C]

Energy drinks in the past in bulk to save money.

[B]

Even better, dude. Get the powder, put it in the shaker. It's just as good.

[C]

I, I, I do have a whole bunch of Gatorade. Zero powders that I do also.

[B]

Yeah, I mean, that works.

[C]

Yeah.

[B]

I mean, come on, look at this. We're going in and getting $9. We're pushing it over the credit limit. It's just unacceptable. McDonald's and then Hungry's. $178 of interest and an 18 credit card. Who has the Amazon on their phone? Pull it up, start a screen recording. We'll black out private information.

[A]

I don't really make purchases.

[B]

I better not see an 8 inch dildo on there because I saw that yesterday on someone else's Amazon. Seeing how it's only yours, I would be concerned. What are you homophobic?

[A]

I wouldn't buy a dildo off of Amazon. I'm not afraid to be classy and go to Bad Dragon.

[B]

Get one of those local establishment, shout out, what are we going to Amazon?

[C]

Yeah, I know, but what are we Amazon?

[B]

Just start a screen recording. I'll navigate. I'll drive. I'll drive.

[C]

You drive. Okay.

[B]

I can't be offended with a man whose mustache is going over his lips and his hairline is halfway to the back of his head. It's impossible, physically impossible for me to be.

[C]

There are plenty, and I mean plenty of great men in the world that have this hairline that were also born with it.

[B]

Yeah, but they're not also going all the way down. They don't look 40 at 24.

[C]

I like my hair. I can put it up in a nice ponytail. It's curly, it's beautiful, it's soft. I mean, girls love it. It's fine.

[B]

You look like you were born in the sewer. You collect pizza in the sewer? Why don't we have a Nissan truck transmission, $325 thing in here and then a universal 4 millimeter. This isn't the cart ready to purchase $400 worth of shit.

[C]

Oh, that's, that's just been staying in there.

[B]

Well, I meant it needs to because. What the is going on?

[C]

I meant to put that into the safe for later.

[B]

So I hear at low calories for a much better cost. This does grow back hair. Allegedly not confirmed.

[C]

I really don't need those air hoses.

[A]

Okay, so this is also my thing. He always, like, is ready to make another purchase, but whenever I could trip the turkey. What?

[C]

No. Like bringing my to, like the shop and fixing it or fixing her thing or.

[A]

Yeah. And like, he always gets what he wants, but the instant that I want something, it's like, oh, is this true?

[C]

I would say it's 50. 50.

[A]

I would say it's 100% true. As the person who never really spends money on themselves.

[C]

You got tattoo stuff, you got some clothes, you got a computer.

[A]

You got most of my closet. I've had it since high school.

[C]

Yeah. Yeah. Have we not gone shopping, though?

[A]

Yeah, to Walmart. Got one item for me.

[C]

Okay. And you didn't want to go to any other store. You don't know where to shop. Okay? So I've told you many times, take your money that you make and go to the goddamn store with either my mom. Your mom, if she can navigate that well and buy it.

[A]

You already know whenever I go out with my mom, I'm gonna drive.

[C]

I know that you're gonna drive. Cause your mom can't drive. I'm surprised that she makes it to this goddamn house. That's hilarious, actually. Also, that's not the same hairline.

[A]

That's gonna be your hairline whenever you get up there in age.

[B]

Yeah, 25.

[C]

So one can have hairline and still have that hair.

[A]

So you're about to make a trade.

[C]

Based on a friend's text, but which.

[A]

U do you listen to is it we could buy a house in Tulum, get optioning those options. We could lose everything.

[C]

Or let's do a little research.

[A]

Get your head in the trade and.

[C]

Make the investment decision that's right for you. Learn [e-mail] TradeSmart.

[B]

Sometimes women like to be spoiled. My girlfriend likes getting gifts and whatnot. It's fine. That's not her love language, but she still likes it. I feel like you probably don't get that.

[C]

She gets sushi.

[B]

What's. What's your love language? Do you know what that is?

[C]

She responds to dick.

[B]

Well, yo. See, that's what a guy thinks a woman only wants.

[A]

I don't know. I haven't treated myself in a very long time.

[B]

Well, what do you like to be treated? There's quality time, there's touch, there's gift giving, acts of service and words of affirmation.

[A]

I don't know. I just want this dude to give about me. I don't know.

[B]

Huh. Oh, you want him to give a about you?

[A]

Yeah, I don't know.

[B]

But in which ways? Which qualities do you find to be the most important to you? Because I feel like you're just not getting them.

[A]

I don't know what to expect.

[B]

No. What do you want? What in your dream world would you get?

[A]

I would like to get my nails done. I know that's expensive, but like.

[B]

Okay, so him gifting you going and doing nice things.

[A]

Yeah.

[B]

Okay, well, how does it feel that you're not receiving any of this?

[A]

I just keep on thinking, like, come around the corner.

[B]

But do you ever bring it up and talk?

[A]

I do. And then he.

[C]

I don't remember.

[A]

Levi's always right.

[C]

I don't remember the last time that you asked to get your nails done.

[A]

Yeah. Cause I stopped been asking.

[C]

Okay. That had been a while ago then. Do you want me to go get some nail polish? I'll paint them for you.

[A]

I spent the money and I still never got my nails done.

[C]

You got your nails done many times while you were a stripper. What the.

[A]

Once, dude.

[B]

Yeah.

[C]

And then you complained that the nail tech your nail and you said, I'm not.

[A]

Yeah, I know the go to now, but like, I can't go to him.

[B]

How do you. I mean, do you. Do you always have to put her in her place to be shut down? You have to own the lib. Like, what are you.

[C]

I would. I would love for her to answer.

[B]

Back, but that's just going in an.

[C]

Unproductive circle forever because she just says the same thing. That doesn't counteract my thing.

[A]

I'm literally trying to communicate and then.

[B]

She'S saying she does not feel like she ever gets treated. Yeah, I heard she wants to be treated.

[C]

Yeah, I hear that.

[B]

And. But your response is no, you did all the time, or you haven't brought that up in a while.

[C]

Yeah, as. As far as the nail painting. Yeah, she hasn't brought that up whatsoever. But does she bring up sushi? Does she bring up wanting to go places? Yes.

[A]

Yeah. Because I usually get those things if I ask.

[C]

Okay, so if I ask for other.

[A]

That's like too much.

[C]

What else have you asked for besides nails, clothes?

[A]

Just to go out and do something else. I don't fucking know.

[C]

And we have tried to go out and buy you clothes, but every single thing that I pick out, you're either like, no, not that. Or you're like, I wish it would be like this. I wish it would be like this. You can't keep wishing without.

[A]

Like, I like what I like. I'm not gonna force myself to Then, like, I'm not gonna buy. Like, I'm not gonna force you to spend money on that. I know I'm not gonna like or I know I'm not gonna wear.

[C]

Okay, then find what you want to wear and we will buy it. We could have been on here. We could have been on this exact show. And instead of him saying $1,000, going out to eat, he could have been like, you spent $1,000 on clothes, on.

[B]

Whatever the fuck.

[C]

I don't know what the you want. What do you want? What do you want?

[A]

I don't know what I. Okay, okay. At this point, I.

[C]

Then what the are we even doing here? That like, if I don't know what.

[A]

What the are we doing here, dude? Like, in reality, I never thought I.

[B]

Would even be on this.

[C]

I wish, I actually wish I would have been on this show with actually good debt or. Well, no, no, that's good. Correction, with minimal debt.

[A]

Too bad, dude, like, you done yourself. You weren't honest with me the entire time I've been paying your. Like, I know, like some of that stripper money definitely went to you. Yeah, like you're selfish as.

[C]

I mean, you could say that. Yeah. Did I?

[A]

I'm done.

[C]

Did I get you out of your parents house? Did I get you your own house? Did I?

[B]

Well, let's give. Okay, let's give her a moment. Why take it so far? Take it so personally. She started going personal too there.

[C]

Dude, life's personal.

[B]

Not with your significant other.

[C]

You have to be real though.

[B]

No, that's not a product. Listen, I understand that's not the best way to have a productive conversation in a relationship where things get so hyper emotional.

[C]

Okay.

[B]

I guess Lindsay will talk to her and maybe we can get her back on.

[C]

She'll be okay.

[B]

Okay. Yeah. Well, how often do you put her in this kind of position, dude, Come on. How often does that. How often does that happen?

[C]

More than I really wanted to.

[B]

We've barely even gotten into this money, dude.

[C]

More than I wanted to.

[B]

More than you wanted to. Yet that's how you have the conversation.

[C]

I would wish for her to actually give me points back. Like I would love for her to actually.

[B]

You're pushing her to just fight. You just want her to fight because you want the fight fight. You're not trying to resolve it. Come on. If you want her to give you the actual points, you're just saying you want her to fight. You want to have the fight.

[C]

Because otherwise she will literally just shut down from the very beginning.

[B]

Do you understand why you will have an opportunity that you haven't had before, and that is to watch back this conversation and see how you act in these situations. It's not healthy. Okay. Okay. I'm gonna. I'm gonna check on her. I'm gonna try to corral her back. Sit. Think.

[C]

This is financial audit?

[B]

Eventually.

[A]

You.

[C]

Okay?

[B]

She's back. Grab some hydration. Okay. Feeling good? Feeling okay? Yeah, it got heated. It got heated. Good. Okay. What's going through our head right now, guys?

[A]

This is my usual response. Just. I just. I just try and just like, forget that's happening.

[C]

So. So that would be. That what you said would probably be the answer. Just giving up? Yeah.

[B]

What are you thinking about? Well, you went and got your Gatorade, talked to Lindsey, had your pregnancy pee, which we collected for later. What are you thinking about?

[A]

What you gonna do? Sell it.

[B]

It's what fuels me.

[A]

Ew.

[B]

Okay. What's up with the synchrony care card? The.

[C]

Is that care or car?

[B]

Think car.

[C]

Car. Okay. The synchrony car card was essentially just going to be one of those cards that we were going to use in case we needed to do any major.

[B]

Why not have a funded emergency fund instead of having a car preemptively, just in case, like, you get a foreign expense.

[A]

He said that we were getting that for. In case, like, the Camry had problems or like any of the other cars.

[B]

I've never heard of someone get a card for a just in case. Very specific category. So. So this is why we have emergency funds.

[C]

Yes. Yes. So I was thinking that if it was more than what the card would be and. Or if it was more than what we had at that point in time, we would use what we had to use on the card and. Or for like. Because you can use it for gas too, and it traditionally is a zero percent. Unless of course, you go over the three months to six months and then they. What does 268 horsepower sound like?

[B]

You're hearing it right now.

[C]

The all new Audi A5.

[B]

Precision crafted to bring the thrill to every turn. This is powerful performance. The all new Audi A5.

[C]

But it. I mean, it was.

[B]

It was for our vehicles. What are these fees?

[C]

Fees?

[B]

What fees? Late fees. Yeah, late fees. You know, he's late on his debt. He's late on your bills. His laid on your bills. Just a credit card bill. Minimum monthly payment of $76. 76. Late on 76.

[A]

He didn't. He didn't tell me that he was late on any cards. I was under the impression that they Were being paid.

[B]

What do you think?

[A]

Minimumly.

[C]

So that. So that is. The late payments are 100 on me. I was debating on whether or not to do one of those bullshit. What are they? What's that? That main one. That national debt relief or whatever the it is. Okay. I was thinking of doing that again the third time.

[B]

Like that's worked so successful.

[C]

I. I know.

[B]

So you're just gonna let it die.

[C]

That's why.

[B]

But you wouldn't communicate that to your fiance that you're just gonna communicate that. Actually, she's saying she doesn't. I.

[C]

We didn't do it. I. I told her that. I was like, I didn't tell. Okay. I didn't tell her the debt that I was in, but I did tell her, hey, I have a little bit of debt. I'm thinking of doing this to get rid of it.

[B]

You remember this?

[A]

He did tell me about it, but again, I didn't know how much debt he was actually in, so I didn't really get like the full picture, if that makes sense.

[C]

She got the overview, not the details.

[A]

Yeah. He's not ever completely 100 honest with me because I think he's just scared that I'm gonna get actually angry with him, which I never really do get pissy with him. It's usually he gets angry at me.

[B]

Really?

[C]

Okay. I get mad at you for up. Real life simple. Okay. This is real life simple. Okay. As in like taking two hours to do a 30 minutes of dishwashing. Like, what?

[B]

You're getting angry at her for 30 minutes of dishwashing?

[C]

Okay.

[B]

What the.

[A]

Okay, no, no, no, not 30.

[C]

No. She will take hours to do a 20 minute job.

[B]

But what's that getting angry at?

[A]

I have continuously told this man I have adhd. I will. I will con. Like, I will start a task and be like, oh, wait, I was supposed to go do this other thing. I'll stop the task. Go do. Do whatever the f. It is. Finish whatever the it was before and be like, oh, I didn't finish this. Let me come back.

[C]

So.

[A]

And that's just like how I work. That's just like I'm ping pong.

[C]

Whenever I was still working at the car wash and I was making enough. Enough money for everything, quote unquote. I essentially just wanted her to become a housewife. And is that what you wanted and still continue her apprenticeship? Because I could allow her to do that.

[B]

Because you could allow her to do. Is that what you wanted?

[A]

What I want slash wanted was to start my apprenticeship. Not really. Worry about money. Like, he told me not to worry about it. So I was under the impression I could start my career doing this, and then, like, everything would be fine. Like, it didn't matter if I made money, like, straight off the bat or not. Like, I would be able to have time to get my. Together and. I don't know, everything would be fine. That. That was my impression, at least.

[B]

Do you guys even know the special thing that's happening with this credit card? The.

[C]

The care card? What do you mean?

[B]

So that's a no. And I know you definitely don't know, right? The balance, 15, 16.

[C]

Oh, are you talking about the interest accrues on the whole thing?

[B]

Deferred interest?

[C]

Yes, Yes, I. I understand. The deferred interest and everything. Yes.

[B]

Yeah. Wonderful. When does it hit?

[C]

It's probably already hit.

[B]

Actually, it hits in four days. Four days. You will have an immediate $300. That hits $300. It'll push it well beyond its limit. I mean, you're going to get four here. $300. You're about to lose. Hey, someone's gonna come to you and take $300 in three days. They're just gonna come take it.

[C]

If I had it.

[B]

Because he didn't manage this. He didn't pay this off in time.

[C]

Are you gonna say something or just look at me? Stupid.

[A]

I don't know how to respond to that.

[C]

Fair. Like, what? I mean, how many times months ago I was telling you to get a job? Months ago.

[B]

Why didn't she?

[A]

I was applying to jobs and I was trying to get a job. They just weren't calling back and. Or I would go to the interview. This is one time at, like, Subway. I went to the interview, the told me I had the job, and, like, everything was good. I was gonna be on the schedule next week. And, like, I was under the impression that that was what was gonna happen. She ends up just ghosting me and not telling me when to come in. And then I end up texting her and being like, hey, like, when do you need me to come in? Like, I'm ready to work. And then she's like, oh, well, actually, the person that was supposed to be, like, quitting decided, like, not to quit just yet. I believe that she just lied to me to not hurt my Maybe.

[B]

I know that. I mean, it makes sense. Oh, guys, this is at a literal, literal 35% interest rate. That's as bad as it gets. It doesn't get worse than that.

[C]

Yeah, I know.

[B]

That's for credit cards at least.

[C]

Talking about her job experience, though, I will also say that she did have a job at Lowe's, but she quit when this was back in March, I think.

[B]

Why?

[A]

I was still a stripper. Like, I was.

[C]

I was still barely.

[A]

Shut the up. Shut up.

[C]

I mean, you don't go.

[A]

For three years, whenever I went in for the job, like, they were training me, but they just gave me a broom and then just walked off. And then I was just like.

[C]

I mean, if they give you a broom, you should know what to do, right?

[A]

I mean, I was sweeping up, but, like, where the did this lady go? She's supposed to be, like, telling me what the to do.

[B]

Quit the first day.

[C]

She quit the second day, I think, actually.

[B]

Do you quit? I feel like you're someone that maybe doesn't. How long are you gonna last at Domino's if you're not getting that instant return that you're seeing? Well, maybe you will, though, because tips. But I feel like if you're not seeing that instant return that you get in stripping, I don't know. This is a crazy debt. What even went on? This.

[C]

That was the truck that I sold, actually. It went towards the truck that I sold.

[B]

Then he sold it and didn't pay it off.

[C]

I paid off. I actually paid our mortgage that month.

[B]

With what I. Oh, guys. This house situation's ridiculous. You guys aren't ready for a kid. You're not ready for a house. One of this kid's first memories. No, actually, it's gonna happen before he forms memories. This is gonna be a foreclosure. Guys are gonna get pushed to that point.

[C]

It doesn't have to end in foreclosure, technically. I mean, we could sell the house.

[B]

Maybe not the best market.

[C]

No, that is not what I wanted. It is worth more than what we bought it for, though.

[B]

That's not what she wanted. This is not what your. Your future wife wanted.

[C]

No, it's not. She loves our house.

[B]

We're good together.

[C]

Why?

[B]

It doesn't seem like the healthiest of all the relationships I've ever witnessed.

[C]

I don't know. I love her. I care deeply about.

[B]

She's giving a shrug. Why are you still in this? It's probably. Is it cause of that?

[A]

No, I. I love him. Like, I genuinely do.

[B]

Okay.

[A]

I just think things will work out for some reason.

[B]

Wow, that's deeply optimistic. Based on nothing. Okay, discover it. This one's maxed out 998.20. So this is another one.

[C]

Oh, all of them are maxed out, sweetheart.

[B]

Yeah. Sweet.

[C]

Let's just get that out of the way.

[A]

I've never had someone call me sweetheart.

[B]

Yeah, who the Does 2025. I've never heard someone audibly say that.

[A]

Like. Yeah, and then you walk off.

[B]

I gotta go to this trip club. $988.20. Let Brandon know when you're back on the pole. He'll take a trip to.

[C]

Tip her.

[B]

Well, okay. He's supportive. Okay. Oh, he won't. $988.20. $43 minimum monthly payment. $22 of purchases. Well, $22.61 of interest accrues. This takes four years to pay off. Why are we purchasing on this? Possibly. Who has access to the cards?

[C]

Majority of them are actually in the safe.

[B]

Well, they're all being spent on so far. Who has access to these? You don't. Okay, so you have all the cards that you were deflecting towards her in the beginning. Where the are you purchasing? Last card was all bull purchased on. What about this?

[C]

Probably also. Why probably? Some of it's probably her Amazon stuff to her.

[A]

No, it's a few hundred dollars.

[C]

Checkers. She. She needs to eat on her way to work, man. Huh? Checkers. You gotta eat on your way to work.

[A]

Yeah, but I definitely gave you that money.

[C]

The checkers money?

[A]

Yeah, like I was making money. I was definitely giving it to you. Like.

[C]

Yeah, every money. All the money that you gave to me went towards other bills.

[A]

At any point I could have paid for this.

[C]

Not with four or five hundred dollars of.

[B]

Oh, boy. Two late payments this year so far, by the way. Two late fees. Two late fees this year so far on this card. This is what you're in that you don't know about. We got a savor card. I guess it means at least this is never dry, huh? All right.

[C]

Nah, she left it before. Okay.

[B]

No one wants to picture what a balding dick looks like. $968.54 with $34 minimum depayment. This one takes seven years to pay off. $38 to purchases. 25. That's the first time I've ever touched a stripper. I need hand sanitizer.

[A]

Hey, I ain't got aids.

[B]

The. I did not accuse of this. I don't think you get AIDS from a pole. Lots of bacteria.

[C]

I feel like you could though. Can you?

[A]

If the fucking licks in rubs are wet coochie on it, I guess.

[B]

Guys, that's not how AIDS gets spread. Wet coochie. Maybe a little sexual.

[C]

I mean, isn't it bodily Fluids though. So I mean like if a girl is grinding, okay.

[A]

If she coochie down with alcohol, I want all your alcohol. Chill out.

[B]

If she cooch touches the cooch. Yeah, maybe a bit. But blood's the big one. And semen. $968.54. Zo down here. This one's close to max out. About 100 bucks away. $25 of interest, $38.74 of purchases, meaning well beyond our minimum payment. It was. Woo. Just accrued up. Yeah. Great. Well done. You're not credit card people. You're not.

[C]

This makes me burp, man.

[B]

Use the fizz card. Debit card that builds credit, doesn't let you spend what's not in your checking account. And listen, I'll get you a course career certification as well so you can get into the actual workforce at some point. People in the audience have used that to add to their resume and they actually go get increases in jobs or pay. So I'll get. I'll get you guys that. Okay.

[C]

Thank you. Thank you.

[B]

Yeah, I mean, on this card it's Amazon and Netflix. Great. Necessities for life. I haven't had one necessary purchase yet. I want to be clear. I've gone through 1, 2, 3, 4, 5 five accounts so far. Not one necessary purchase. Oh, we've had a late fee this year.

[A]

Yay.

[C]

Another 50 bucks down the drain.

[B]

25.

[C]

Oh, I figured it would be 41. There's another car that charges 41.

[B]

There's no nonchalant about it. You have a child coming.

[C]

Yeah.

[B]

When's it due?

[C]

February 7th.

[A]

Just gonna answer this for me?

[C]

Yeah.

[B]

Do we know gender?

[C]

Male.

[A]

I can't answer these questions.

[C]

Sorry.

[A]

I have the little dude just wiggling around and me and you over here just answering.

[C]

Yeah, he kicks you too? I'm sorry, go ahead. He'll have to try harder than that. I'm not. I'm not saying I weigh 125.

[B]

I could lay on you and I.

[C]

Can pick you up.

[B]

No.

[C]

What do you weigh? 200? 250. You weigh more than that?

[B]

No.

[C]

Damn. I was about to like.

[B]

2:15 ish.

[C]

2:15. Okay. I can. I can bench you.

[B]

I can pull more gravity.

[A]

I highly doubt that. He hasn't worked out in a very long time.

[C]

Okay.

[A]

He just recently started working out. He's.

[C]

Yeah, I lift kegs on a daily.

[B]

Arms are thicker than yours. She's five foot one.

[A]

I haven't been stripping for a minute.

[C]

Look at this.

[B]

Okay. Gulf Coast Federal Credit Union visa, Platinum. What's Going on with this.

[C]

I know. That's probably like my least used card.

[B]

Which is why it's maxed out.

[C]

Yeah, I know at one point it wasn't.

[B]

And that's why we purchased 55 strip club. Colin.

[A]

No, the. The.

[B]

Not listen to.

[C]

No, I'm joking.

[B]

Not listen.

[C]

They calling me.

[B]

I want to go through. You know what? Based on your guys arguments, I haven't done this in a while. I want to go through your guys text messages. Oh, no.

[C]

Oh yeah.

[A]

Oh, Jesus Christ.

[C]

Yeah, Common's gonna be calling me some names.

[B]

Is this that bad?

[C]

Oh, prob. Yeah, 100%.

[B]

Oh, I really have to. There's nothing spicy in them, right?

[A]

No, we don't text any spicy to each other.

[B]

Snaps, Snapchats.

[A]

Oh, oh yeah.

[C]

She'll send me nudes on snapchat all the time.

[B]

There it is.

[C]

I'll be at work and I'll be like, God damn. What the. Okay.

[B]

941, 27 on this card again. Max out.

[C]

Your hand again.

[A]

Another one?

[C]

Yeah. I literally told you every single one of the cards that he's going to pull out another either right there or right at it.

[B]

109 minimum payment. Oh, it's past due. $55 currently.

[C]

Yes. Yes, it is.

[B]

Okay, all done.

[C]

Thank you.

[B]

Dude, what are you even doing? Yeah, it was a return payment fee because you didn't have enough money.

[A]

That's what we're doing.

[B]

Did you hear what happened?

[C]

Yeah, I did.

[B]

You did not have enough money in your checking account, so it bounced. Meaning he got an extra fee for not having enough when it tried to pull the minimum monthly payment.

[A]

Yeah, just throw that.

[B]

Yeah, we've already hit a late fee this year. Had interest. This is just horrible. Not even that high of an interest rate for credit cards. I mean, it's 17, but come on. Care credit for the pats.

[C]

Yes, sir.

[B]

Okay, which pit bull hurt which pitbull? You ever change jobs and totally Forget about the 401k you left behind? Yeah, well, so did literally millions of other people. In fact, over $2.1 trillion now sits in forgotten 401ks. That's almost 25% of all 401k dollars just floating around like socks in the dryer. Except these socks could have been comp. And this isn't a small issue. The number Of Left Behind 401ks has doubled in the last 10 years. We're at nearly 32 million accounts. And thanks to federal layoffs, there are nearly 3 million forgotten TSP accounts too. That's the government version of a 401k and worse. As account balances rise and 401ks start including private equity and other alternatives, the whole system gets more complex and your money gets harder to track. And that is where today's sponsor, Capitalize comes in. They'll help you find your old 401k, set up or connect an IRA. You actually control and handle the whole rollover process for you. No faxes, no paper checks, no stress. So roll over your old 401k today, hit the link in the description or go to highcapitalize.com. caleb, your future self and your net worth will thank you.

[C]

No, that one actually was. So the newest one.

[B]

Don't tell me it's for a bird.

[C]

No, it's for the dog.

[A]

We brought one of the birds here.

[C]

Oh, no, that was your baba. That cost 50 bucks. Okay. And. Okay, that's not the big spender on that.

[A]

Okay, okay. Okay.

[C]

The big spender on that is our newest dog, Chunks. We had taken him to the vet to get his first round of vaccines. It cost $150. It was completely fine. We got home, he seemed perfectly fine. Everything was going great. Then around 10 o', clock, he started to throw up a lot of blood and shit.

[B]

Blood.

[C]

Yeah.

[B]

That sucks. I'm sorry. Yes, that sucks is a good way there. That's why we would definitely take a dog to the vet.

[A]

But that's why we have pet insurance.

[B]

But you guys have insane amount of pets. Yeah, I know. That sucks. And that's. You guys shouldn't have pets you can't afford. You can't even pay your mortgage. Should you have pets? No. Why? You can keep accumulating them. You can't afford them. It's selfish. You can't take care of them.

[C]

They're happy, dude.

[A]

The dogs are definitely happy. They're living a miserable life. But in my opinion, in my opinion, I think the dogs are living kind of a miserable life. Like a little bit. Yeah, I know, I know. I know you're mad. I'm sorry.

[C]

I. They have a backyard. They're fed every day. They have plenty of toys they interact with.

[B]

Why are they miserable?

[C]

Yeah, yeah.

[A]

We're always working or doing so, like they're like a good majority of the day. Like they're locked up. Like whenever we are home, they're. They're outside, they're like playing and stuff and like in the backyard, tearing up our backyard. I don't know. I just think we have too many of them. I think three was like the max.

[C]

Then why did you want the fourth.

[B]

Why?

[A]

You were the one who suggested it. You're the one who found the Facebook post and was like, oh, my God, he's so freaking cute. And I was like, oh, my God. And you just should not have showed me a baby dog.

[C]

Did I show you that post?

[B]

Yes, you did.

[C]

Okay.

[A]

I was like, oh, my shit.

[B]

I must hold him. It's selfish. You must hold him. You must. That's selfish. You guys can't take care of these dogs adequately when emergencies happen. I mean, this has a limit of 1,000. If another emergency pops up, how are we paying to keep one alive? It's not fair to them. You can't afford pet insurance. I guess you guys can't afford to live with your current mortgage. Like, this doesn't make sense.

[C]

You can. If he is going to die, you can save him by making it happen as quickly and painless as possible.

[B]

Yes, but that is unfair to the dog, that you're the one who's like, let's get more and more and more and more and we can't afford to keep them alive.

[C]

They are being fed. They have a nice home. Okay?

[B]

Did you not hear my argument? You don't have to repeat that. We all know that. Do you understand what I am saying?

[A]

Levi's always right.

[B]

Is that the catchphrase around the house?

[C]

That's her catchphrase, I guess.

[B]

Well, do you understand why?

[C]

Yeah, I.

[B]

Because you didn't. You didn't. You said your point, and then I brought up something counter for you to potentially listen to, to challenge your own point of view and recognize, okay, maybe that's not right. And then instead of even acknowledging, went back to your original point, like, that's how you do that. Is Levi is always right. If.

[C]

Okay, if one of the dogs get into a situation where literally will die and we can't afford to save them, God forbid, 32%. A 9 millimeter will solve that real quick. Like it's crispy gnome. That. Yes. That sounds horrible. That is horrible.

[B]

Does it sound horrible? Probably. It's horrible.

[C]

If the dog can't be saved, then it can't be saved.

[B]

It can't be saved because you chose to adopt him and you can't afford to take care of them. That's the only reason they can't be. That's why it's selfish. Levi's always right. I'm more on Pixie's side here. Me and my girlfriend are gonna adopt a stripper and take her away.

[C]

You're too big for her.

[B]

I said we're Gonna adopt her.

[A]

Yeah. Doesn't mean they're taking my clothes off. Jesus.

[B]

We would have, but. I'm kidding. We don't go for sixes.

[A]

Boom. Roasted.

[B]

Discover It. What's going on with this?

[C]

Says the four.

[A]

Boom. Roasted.

[B]

Every zero you add to your net worth adds a number, though, so that's what's lucky. That's why I am statistically put, pushed to an 8 out of 10.

[C]

So you can pull a 10 that'll take all your money.

[B]

Prenups.

[C]

Ah, yeah. There we go.

[B]

$745.59 is on the Discover it card. What's going on with this?

[C]

Which one is that?

[B]

Also, at least you can see my lips. I trim. I care about my appearance.

[A]

I usually curl it up.

[C]

I love this mustache.

[A]

I will defend the mustache. I love. It's radish. I don't. Okay, okay.

[B]

Mississippi 440. What's going on with this card? And the first card we didn't have purchases on still takes three years to pay off.

[C]

That's her card, right?

[A]

Yes, it's my car.

[C]

Wow.

[B]

The first card that didn't have purchases was her card.

[C]

Yeah, because I don't allow her to use them.

[B]

That's insane.

[A]

I'm just here, man. I'm just here.

[C]

I mean, if I let her use them would be in even a horrible position.

[B]

No, hold on. Okay, you meet, you love. I get it. But what the. That's the dynamic you want in your relationship. I'm just gonna say no, then. What the.

[C]

Huh?

[B]

What the f. What the. What are you doing?

[A]

I don't know. I don't know, man.

[B]

Oh, I, I, I. What would I say you're doing? Accepting and coping and it's insane. I don't know why the you're dealing with this. Not saying you're bad in all instances. I don't know. But what the is that? Because I don't let her. And then you hate that dynamic and you're just accepting it and having a baby with it. What? That's what you're committing to for the rest of your life. Not trying to break you guys up. I don't want you guys to break up necessarily. But what the is that? That's crazy.

[A]

Break up either.

[B]

Yeah, but. Exactly. But why would you not want that? Because that is kind of one of the craziest, most controlling things I've ever heard in my life.

[A]

I don't know. I.

[B]

That's concerning. For me to hear this straight up, that's concerning.

[A]

Okay, so.

[B]

And you just accept it like, because you've compromised, you've accepted and you've settled on it. Are you afraid you won't find anyone here?

[C]

I.

[B]

You're afraid that you're pregnant?

[C]

I. I'll let her speak freely. And I'm going to the restroom so that I don't even know what she's saying and she can accept.

[B]

You're gonna watch it back, dude.

[C]

I. Yeah, I will. I will. I will. No doubt. Yeah. I'm gonna watch this whole episode, to be honest. Oh, but I do really gotta go pee. I'm sorry.

[B]

Go pee, dude. Have a pee.

[A]

Okay, now I'm nervous. He got mad at me for spending.

[B]

On, like, normal hair. When you see it from the back, He.

[A]

He got mad at me for spending on this card.

[B]

Well, whenever I did. On all his cards.

[A]

Yeah. But I didn't know, like, he was maxed out on all of his.

[B]

Is this a controlling relationship?

[A]

I mean, I guess you could call it that.

[B]

Well, come on. Is this a controlling relationship?

[A]

I mean, he. He does like, Colton. He sails the boat.

[B]

Colton talked to you guys for a few hours, and we're just. This is a.

[C]

We're.

[B]

I'm committing to the financial audit. The movie, the sequel. Colton. Is this a controlling relationship? Engaged? Colton, by the way, very experienced in the dating world. He goes more for, you know, the gay side, but he's still, you know, relationship. Is this controlling? Because what the Is happening here? It seems very much like it is, at least with especially purchases, like the fact that he won't let you use any cards or the fact that he. What I don't like is that he's kind of telling you. What I noticed was, oh, you used this card for a gun that I wanted to get you, and then was telling you, oh, but I got you this. But I want you to use your card for it. And then it's like coming on here and saying, oh, but now you are owing on that gun, and you need to make purchases on it. I don't like that. And then he specifically sat here and said, for this one. Yeah, I won't let her.

[C]

Yeah.

[B]

This is red flags galore. I'm not saying he's inherently across the board a bad person. I'm not. But this dynamic's weird, and the way he talks to you is weird. How have you not seen these conversations that have happened in this episode? The dude goes for insults, and he will not give an inch. And he seems very controlling and manipulative. You just nod your head. Did he wash his hands? I don't think that's possible with how quick you were and the distance that it was from. Okay.

[C]

You want to smell them?

[A]

Yeah, he washed them.

[B]

Thoughts?

[A]

I think you're right. I think you are right and you.

[B]

Will just accept it and sit with it forever.

[A]

I feel like every single time I try to communicate, it just ends up being show.

[B]

Exactly.

[A]

Levi's right.

[B]

So what can you do then? You're just going to accept it forever?

[A]

No, I'm just hoping that we can communicate.

[B]

That doesn't just magically happen. That's not how this works. That's not how any relationship has ever worked in the history of the world. Nothing just magically happens. You holding onto that is a cope extreme.

[C]

Huh?

[B]

You can't just, uh. That this is your life.

[A]

I don't know.

[B]

Oh, I don't know.

[A]

I don't know what the fuck I'm doing. I don't know what the I'm doing.

[B]

Well, here's the reality. If we can be completely honest, compared to even 10 years ago, especially 20, 30 years ago, you at 22 are about the mental and life maturity. As people back 10, 20, 30 years ago were at about 16, 17. Okay. People are maturing less today. Like, pretty much every polling and survey that's been done on this shows that people are just maturing less. A lot of it had to do with the COVID generation. You're kind of a part of that. I don't know if you're mature enough to be in this type of situation and committing to what you're committing to right now.

[A]

I mean, I don't want to blame my parents at all, but, like, they kind of did just keep me underneath the rock and told me never to get a credit card. All them are bad.

[B]

You're just accepting this forever.

[A]

Like I'm.

[B]

And your hope is a magic fix.

[A]

I don't know.

[B]

I'm just afraid to look back at this conversation in 10 years when you're 32.

[A]

I was hoping by the time I was 30, I'd have my own tattoo shop. But yeah, financial.

[B]

That's not the point here, dude. That is not the point here. Lowe's. What's happening with Lowe's?

[C]

Loez, we got that. To expand our front walkway.

[B]

Why is that critical? Out of everything that's happening in our entire life, to expand a front walkway? $503.29 minimum monthly payment, $41. Why the is that even considered remotely important?

[A]

We needed a distraction, honestly, from what the was going on in life.

[B]

What the was going on?

[C]

I Got this approximately a month before I got fired.

[B]

Still don't know why. This was the important critical purchase she.

[C]

Kept yelling at me about not having.

[A]

I was just making complaints. Like I wasn't like putting my foot down and saying happen if he can.

[B]

If he hears a complaint about something long enough, yes, he will probably do an action to do it because it's a signal that you want something to be done.

[A]

I complained about other and I don't get it. So I don't know why the.

[B]

Oh, that's on him.

[A]

Like a compromise.

[B]

I mean that's on him.

[A]

Like this could have waited but we didn't interest.

[B]

I mean it is interest free period for a second. 31.99 is what it will be.

[C]

They also closed that account.

[B]

Oh, that's.

[C]

Yeah.

[B]

Okay. Interesting. This interest kicks in and you know, mid next year, Amazon, we're affirming Amazon at 36%. What? What the is this? What the is this?

[A]

What the.

[C]

I truthfully don't even remember what was on that Amazon.

[B]

Oh, good.

[C]

I truly wonderful.

[B]

I'm thrilled.

[C]

I can't even.

[B]

Oh, I don't even. What's the minimum on it? I don't even know, dude.

[C]

$30.

[B]

Oh great. $30 minimum. It's at $184.73.

[A]

It just keeps on getting deeper.

[B]

Yes, yes it does. And you had no idea about how much of this, how much of this did you know about? Just straight up know about?

[A]

I knew about him consolidating like the loans and everything.

[B]

Did you know you're marrying into this? You know, this is the father of your. This is the finances that your child grows up in.

[A]

I kind of feel dumb.

[B]

Dumb for what?

[A]

I don't know, not knowing all this.

[B]

Why wouldn't you let her know? It doesn't seem fair to me. Is it fair to you? Is it fair to you that you are not informed of this before you accepted an engagement?

[A]

I mean, I would have accepted it either way, but.

[C]

Aw, she loves me.

[B]

She does love you.

[C]

I love her too.

[B]

Great. Wonderful. Is it fair that before being engaged. No, that she would not know. Then why the would you not tell her? $305 for this AutoZone, another 36% interest. What's the minimum on that?

[C]

That I don't even know.

[B]

I'll say 30.

[C]

That was. That was. That was all that, that AutoZone was actually all for her. That was for her car.

[B]

Very quick and happy to say when it's for you, by the way. I, yeah, I am almost thrilled to do so.

[C]

I mean it was my first transmission filter change and fluid flush. It went smoothly. Car runs.

[B]

Great Harbor Freight. What's going on? Fees. Fees. There's a late fee?

[C]

Yeah.

[B]

Late fee. How many. How many lay fees have we had that we've talked about so far? 5? 4. Late. All your bills.

[A]

Write this down.

[C]

So the reason why a few of those were late is because I was thinking of doing the national debt.

[B]

A reason one of them was late is he literally didn't have the money in the checking account. It bounced.

[A]

Yeah, yeah.

[B]

So you just don't have enough money to even pay your. Your bills, by the way.

[C]

But that Harbor Freight was to purchase a few things for the mobile detailing.

[B]

Oh. Oh, great. Wonderful. Yeah. $488. 70 and then $72 minimum payment. What the are we doing here?

[A]

Didn't. Didn't you tell me that you've made back the money that you spent for.

[C]

The details and it went towards the mortgage and the lights.

[B]

We shouldn't be having a kid if the conversation we're having is keeping the lights on. I'm sorry. We would be using rubber. It's too late, obviously, but you guys should have been much more cautious.

[A]

God forbid a freak accident happens.

[B]

Is that a freak accident if you're not using protection, you dumb tit. If cum is inside of you and you do not have a pill or whatever other variety you would prefer. Yeah, believe it or not, babies come from that.

[A]

Yeah, yeah.

[B]

So freak accident? What are you talking about?

[A]

Forget what I said.

[B]

Capital one platinum card. Now what? What's going on with this? All right. $231.02 is out on this with a minimum monthly payment of $25. Oh yeah. Oh yeah. It keeps going. Trust me.

[A]

How many more papers do you got?

[B]

This is the normal stack of paperwork that most people come into the studio with. That's what's left.

[C]

Yeah, I got like nine, 10 credit cards, three loans.

[B]

She doesn't even know this. This is wonderful. This is so. What a relationship. What an incredibly ran relationship we have.

[A]

I. I don't want to know what this drive back is going to be like.

[C]

Oh, ten hours of fun they drove. Hey, gotta save the money.

[B]

Oh.

[C]

Yeah.

[B]

Except we literally like give enough money to cover the flights and everything. But that's okay.

[C]

See? But less. That would be less.

[B]

I get it. I get it.

[C]

You fucking.

[B]

Yeah, I understand payoffs. This is gonna be horrible. What is the drive back gonna be like? Because I want to know how this goes after this. How does this go? Post conversation.

[A]

I mean, if he Wants to have a fit. I guess we can have a fit.

[C]

Or is that what you call them?

[A]

Or I can just be quiet and you can shut the up until we get home. And then we can just. Just can choke each other.

[C]

There's no mutual combat in Texas though. Let's have a conversation here. No, I'm jump. I do not condone hitting women ever. Sorry I had to say that. Cuz I'd be joking about that. Too much.

[A]

Women don't have rights.

[B]

How do you think this conversation is going to go on the way home? 10 hours.

[C]

Probably not much conversation.

[B]

Turning to Kermit the Frog all of a sudden. What the happened?

[C]

Probably does it hurts the throat.

[B]

Continue. How does it go?

[C]

Probably it's either gonna go where there's no conversation the whole way.

[B]

Ten hours. That's crazy.

[C]

Okay. Or we're gonna argue for a little bit. I'll tell her to shut the up and she might. She might not it. And then however it really goes from there.

[B]

Why would you tell her to shut the up?

[A]

Got us deep.

[C]

It's dangerous to drive and have arguments and discussions.

[A]

We could pull over and fight each other.

[C]

Only in Texas.

[A]

Pull over anywhere. Any state. I don't give.

[C]

Yeah, but it's legal in the other states.

[B]

So no answer. Okay. That's essentially what I got from that.

[C]

I gave. I gave you two answers.

[B]

No, it sounds like the. The. It's just going to be completely unproductive in every way possible. Probably because we refuse to change our communication style and work on ourselves. Probably this cash app. 150 bucks went out. Let's see.

[A]

I gave him some of that money.

[B]

Well, it's all gone.

[C]

Yeah. I went towards the.

[B]

What?

[C]

I went to the dogs. They. It had been a good minute since.

[B]

They really afford that. Oh, we have a motorcycle. Why the. Why the? No. Why the. This is unacceptable. How can you possibly allow yourself to have this? And when you can't pay our mortgage?

[A]

I. I told. I told Levi this was a terrible idea. But he convinced me on the first purchase.

[C]

I can just do on the second purchase.

[A]

No, you convinced me on the first and second purchase. Let's get that correct.

[B]

Okay.

[A]

That this was gonna be a great thing. He said that he was gonna teach me how to ride motorcycle. But that never happened.

[C]

We got the 300 because I didn't have a vehicle at that point in time. Great.

[B]

But you do now sell it. What's it worth?

[C]

I don't know.

[B]

Yeah, we didn't get the value. But you owe $5,276. Minimum payment of $167 a week. Just.

[C]

Is that the 300?

[B]

Yes.

[C]

It's probably worth 5,400.

[A]

Sell it.

[B]

You cannot afford one 67 hour minimum payment. You can't.

[A]

Especially when it's bouncing.

[B]

We're already done. Fair. And you need to get back to bouncing on dick as soon as possible to pay off all this debt. Except not really. I mean, I. Let's. How do you really want to be a stripper?

[C]

So. So I'm curious. How would I even really go about selling that vehicle if I listed on.

[B]

Facebook, Marketplace and credit.

[C]

But. But, like, I don't own it, though. Like, I don't have, like, a title to it, so how would I really go about that?

[B]

Usually you do the exchange at the end. There's legal paperwork and whatnot.

[C]

Okay.

[B]

I mean, state to state. There's different rules, so.

[C]

Okay.

[B]

You're just gonna have to look. All right.

[C]

I'll do my research.

[B]

Suggest you can't sell it. This is ridiculous.

[C]

I can definitely sell the 300. I'll agree with you there.

[B]

Good. Sell it. You just can't afford this minimum payment. It doesn't make sense.

[A]

He does drive the 500 every day.

[B]

Does he have a car as well?

[A]

No, he has that.

[B]

Well, the 500's even worse.

[C]

It's a Pathfinder.

[A]

He could drive my Camry some days if I wasn't working.

[B]

Okay, if you're working, there is nothing besides this for him. Yes, drive the 300 because this one's more expensive. And sell this one.

[C]

It would be a whole lot safer for me to drive the 500 than the 200.

[B]

Is that a cope?

[C]

No, no, it. Quite literally it would be. I have to drive on the interstate and it is significantly safer for me to drive the 300.

[B]

Why?

[C]

Speed.

[B]

Huh?

[C]

If. If I have to get out of a dangerous situation. No, if.

[B]

How fast does the 300 go?

[C]

85. Oh, shut the up, people. Drive hundred on that road.

[B]

Go every right lane, dude. Right.

[C]

They will not see you. The amount of accidents that happen.

[B]

Well, yes. You shouldn't have a motorcycle anyway. It increases your risk of death by like 80.

[A]

My mom called me the other day because someone died, so.

[B]

Who?

[A]

My mom called me the other day.

[B]

Figured out how to use the phone.

[C]

Yeah, that's what I'd be wondering sometimes.

[A]

Well, actually, she can't even text. She has to use like the text to speech whenever.

[B]

There it is.

[A]

Yeah. She has no hand. Eye coordination.

[B]

Yes. No, I wouldn't have this.

[C]

It saves a lot on gas. Also, no.

[B]

Again, I'd keep the 300 and stuff. Here's dumbass cope. Sell the 500. The 500.

[C]

40 more dollars. Only 40 more dollars?

[B]

No, it's 8669. I understand that you have to pay is substantially higher. I don't want to hear it.

[C]

All right.

[B]

$217 to do minimum payment. What's the interest rate on this one? What's the interest rate on the other one?

[C]

9.99.

[B]

Both?

[C]

Yes.

[B]

Oh, they're horrible. Get rid of this one.

[C]

I'll get rid of the 300.

[A]

He's gonna get rid of my motorcycle. Of course, technically was supposed to be my motorcycle.

[C]

You'll learn on the 500. It's easier. Anyway.

[B]

What is this? This looks like something in the world of real estate, but I don't know.

[C]

So that's the mystery core. So that's that. It's a FHA loan. Essentially a down payment.

[B]

This is a loan for your down payment?

[C]

Yes.

[B]

Oh man. You were not in a position to get a house.

[C]

That's what MHC is for though. Huh? That's what they're for though.

[B]

No, dude, it's at a 2% interest. It's not horrible. But if you have to borrow for a down payment, you can't get a house. And I know for a fact you didn't have a fully funded emergency fund, meaning you can't afford a repair if it happens. 74.35 minimum payment. Yo. $9,568. This is moronic. And everybody wants.

[C]

That's what insurance is for though. For a repair.

[B]

Shut the dude. Insurance. Depending on. What if your washer and dryer breaks?

[A]

Oh, it did. We bought a new washer.

[B]

There it is.

[C]

So we. If you're.

[B]

If your dishwasher breaks, we don't use our. If your fridge breaks.

[A]

We already buy a new fridge.

[B]

Uh huh, exactly. That will break again at some point.

[C]

Roof.

[B]

20 inch roofs have to be replaced here and there.

[C]

It's a brand new roof. Uh huh.

[B]

And that has to be replaced here.

[C]

And there as warranty.

[B]

Warranty based on what though?

[C]

I'm not actually sure exactly.

[B]

We don't know, buddy. There's an. Insurance is a beast to deal with a beast. We got a 5.59% mortgage rate to not anticipate the cost of housing. Dude. And you've already had to replace things like. Don't be a moron. Also, it's not 1300. It's literally 1,381. It's closer to 1400 for your income. That's insane. And 19 cents. You owe a total of $179,447.95.

[A]

Woo.

[B]

Type in your address. I'm gonna have you type it because he looks greasy.

[C]

I'm the one with clean hands.

[B]

So we owe it. Owe on the house. $190,000.

[C]

With both loans, it's worth 216.

[B]

We'll see.

[C]

Oh, it's currently down. Huh huh.

[B]

What did you say it was worth worth?

[C]

Oh, it was 16.

[B]

It was you. 194, 000.

[C]

And.

[B]

And by the way, Zillow is very generous.

[C]

It is.

[B]

So you would actually lose money if you sold the house because you have to come up with closing costs. You'd have to come up with all the fees, all the realtor. 6% for both ends splitting.

[C]

Would you lose like what, 60,000?

[B]

I don't know about that much. But you would. You'd be out of pocket. I'm guessing about 20, 25, maybe 30.

[A]

Yeah.

[B]

And you said, oh, we'll sell it. That's what he said earlier, right? Remember that? Remember when he said that? That was interesting. I was curious. Play that back.

[C]

Technically, I mean, we could sell the house.

[B]

Yeah, I don't think that's gonna happen because you guys would be. And you're. If you keep it, good luck. $10 in that checking. But then also a thousand in this checking. It's a bit weird going in, getting his energy drinks again. Camera subs, man. 25 cents a serving. What are we doing? I like Graham Stephan and his life Coffee. This is even cheaper. McDonald's. Hungry llama. Chick Fil. A raising. Cane's winning. Got an energy drink. Hungry Llama energy drink. Amazon Dunko probably. Hungry llama energy drink. McDonald's energy drink. McDonald's.

[C]

See we roll.

[B]

Sushi.

[C]

Sushi.

[B]

Oh, wow, guys. Hey, she had one out of ten.

[C]

The. The Hungry Llama is.

[B]

Wait, you always. I mean, I can push things onto.

[C]

Her, so I'm not pushing that onto her.

[B]

Come on. You just get so excited when it's her and not you.

[C]

I mean, I was just about to explain the Hungry Llama, though.

[B]

Hungry Llama energy drink. Checkers energy drink. Hungry Llama, raising canes. Auntie Anne. Domino's supposed to be getting money from Domino's. Uh huh. Energy drink, energy drink. Hungry Llama energy drink.

[A]

Huh. Some nights I don't feel like cooking.

[B]

Cough. That's not an option. You can't afford your life. And also, he can cook too.

[C]

I. I cook most nights.

[B]

You work 38 hours a week. I don't want to hear water, coffee, Energy drink. Energy drink. Energy drink. Sonic icebox. Energy drink. Energy drink. Michael stores Hungry Llama. Domino's energy drink. A firm paying for towns something Energy drink. This is insane. Golf, sport. Well, that's utilities. That's okay. Dunko Sparklight. This is insane.

[A]

Sparklight. Yeah.

[B]

Okay, that's fine. This is insane. $5 in the savings. Well, really, we're almost headed to retirement. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Sal. Beauty. Sally Beauty. McDonald'. McDonald's.

[C]

That's her.

[B]

Oh, wow. She got one again. He's so excited. Shut the up salon.

[A]

McDonald's spent on my hair energy drink for.

[B]

Yeah, she didn't. I'll be honest.

[C]

I thought she didn't get any. I thought she didn't do anything.

[A]

You got mad at me whenever I did that.

[C]

I got mad at you way after the fact because you did. You changed it again.

[A]

My hair's grown out. I literally just bought color to put back in my hair. That's literally what I was like.

[C]

You can't stay natural. You can't just have a beautiful brown head of hair.

[A]

It's growing the out. What the am I supposed to do with this?

[C]

Nothing. Wow.

[B]

It's gonna be an interesting 10 hours. Saucer. Checkers energy drink. McDonald's. Again, I've seen like 50,000 energy drinks in here, but we're freaking out about her doing one thing. And neither of you should do either of these things. To be clear, but your level of freak out on her doing one thing when you're out going insane. What the are we doing?

[C]

I don't know.

[B]

I know you also got $150 immediately spent on a Red Bull beverage before that flavor went out of stock as well. You just blew it.

[A]

Hey, he did ask me about that first.

[B]

Yeah, but you don't know anything about the money. And I'm glad he asked. You asked about the hair thing, right?

[C]

No.

[A]

No, I did not. I didn't think I should have to ask.

[B]

No, but it's good to communicate while we're budgeting. Trying to get out of Deb.

[A]

Well, he communicate with me, so.

[B]

I agree. I agree you're both. But it's really silly how angry he is about it when he does the same amount of insanity, if not more. Energy drink. Energy drink. Energy drink. Cash app. Cash app. Retirement item fees twice this year.

[C]

What do you have return item fees on? Well, no, that. That. That actually makes me curious because she doesn't spend on anything. So why. Why Would she have a return item fee?

[B]

Guys, what are our thoughts? Give me your thoughts while I'm adding up the math. What do we think? We just went through all the depth.

[C]

Oh, I know. We're fully in the negative by, like, a good pixie.

[B]

I want to hear your thoughts because you didn't know what was going on. We just went through everything. What do you think?

[A]

I'm disappointed.

[B]

Give me more than that. I'm adding up numbers.

[A]

I don't know. I wish I knew, like, the full picture before we even got here. That would have been really nice because now I have to mentally process this for, like, the next week or so. So that's nice.

[B]

$1,589.17 are a debt minimum payments, not including the mortgage, which is $1,381.19. Well, there we go. Our budget's already over. We. We lost the debt payments in the mortgage. It's gone. Like, we're done. That's it. I mean, let's assume maybe you bring in an additional 2000. Where are we at currently? And that's hopeful because we don't know how many hours you're working. We don't even know what's happening at this job.

[C]

No.

[B]

So we're already at 3,000. Let's see. Let's keep going. Utilities, Internet, all that stuff combined into the mic. How much?

[C]

The electric bill actually has gone up.

[B]

How much?

[C]

It's at like 160. 170.

[B]

Gas.

[C]

Like vehicle gas.

[B]

No gas for the house. Is there no gas?

[C]

Like 30 bucks.

[B]

Okay. That'll be more in the winter, but that'll supplement, you know, from the electricity. Internet.

[C]

It went up to 80. I am canceling it.

[B]

Utilities.

[C]

Find a different one, though.

[B]

Utilities. For now, 271. Phone bill.

[C]

Don't have one parents either?

[A]

No, no, my parents pay for my.

[B]

And you get your own. Do helium. 15 bucks a month for each line. If T mobile is good in your area. Uses the same towers. Gas. Vroom, vroom. Drive, drive. Both combined.

[A]

I don't really pay for my gas all that often, so I buy her.

[C]

Gas all combined in a month. Let's see.

[B]

Best guess. Come on.

[C]

120.

[B]

Car insurance combined.

[C]

Her mom pays for her car insurance.

[A]

My mom just informed me that.

[B]

How much is it?

[A]

She said it was $69.

[B]

You're gonna have to pay for that soon.

[A]

She's been. She paid for it the last two months.

[B]

Okay. How much is yours?

[C]

The motorcycles are. They're paid for the year.

[B]

180180 for a year. Not six months, a year. Divide that by 12 plus your 67, you said. Okay, so car insurance, 82 bucks.

[A]

It was like $200 but I had full coverage.

[B]

So you're not going full.

[A]

Okay, yeah.

[B]

$600 for groceries. Use the budget friendly cookbook and the meal plan we give you in the budgeting class. Totally fine. You just gotta warm up, cook a few times a week and then warm up up TP fund anything else to survive. We should be able to do 150. Toilet paper, tampons, all the goodies. You probably don't need those right now anyway, right? Isn't that how that works? Medical, health care, co pays. The co pays. I mean she's not going. You're not going to the doctor.

[A]

No, I'm going. Yeah, but there's no co pays. I'm underneath my parents insurance and, and.

[B]

There'S no co pays.

[A]

There's no co. Co pays.

[B]

Is there a gym?

[A]

All paid. We don't go to the gym.

[B]

Okay, subscriptions 30. Okay, well I'll bucket in that bucket. I'll write in gym. 30 bucks.

[C]

Nobody needs a gym membership. No one. Go on your body.

[A]

I feel like a flabby flapjack.

[C]

Nobody needs a gym membership.

[B]

$30 for gym. For her, $30 for subscriptions. If we can pen insurance. Good. The pet food, how much?

[A]

We don't know that number.

[C]

80 bucks a month.

[A]

Yeah, for the dogs.

[C]

It would be. For the dog, I'm gonna say 100.

[A]

No, the dogs, we have to buy them food multiple times a month. I would like to say because we got four of them.

[B]

Well, even if you're bringing an extra 2,000, we're still under. So currently in order to survive you need $4,348.28. Yeah, you bring in 2,000. And even with her additional 2,000 if we're lucky, you're this one. I, I listen, you're one. You're gonna sell the bike, preferably the more expensive one you probably want. This is guys are. Here's the reality. Maybe we change our behavior and learn how to budget for a couple months and then you can do bankruptcy. But I'm gonna paid for you to sit down with one of our finance people, Reed. I'll pay for the session. He's going to go through this. He's going to analyze before and then give you guys a plan because you just need extra help. I think bankruptcy is the only way to help it. That doesn't even help our mortgage situation. You guys are no, but again, that doesn't solve your issue because your house is way too much. This is just crazy. I'm sorry. This is just like. I don't even know, guys. I'm sorry. I don't even know I'm going to pay for that session at this point. I mean, I'm burnt out and this is.

[A]

I'm sorry.

[B]

It's fine. This is your life, so I'm sorry. Oh. Oh, okay. I'm not gonna spoil what it is. Oh my goodness. There's something that Levi doesn't know that she's been doing that we're gonna talk about on the post show. Sorry, big guy. It's weird too. And juicy. Okay, we'll do that on the post show. Let me get the Hammer Financial score and then we'll go into the post show. Click that join button. Hammer Financial Score. Spending in a budget. 0 out of 10. Overspent debt that. I mean, it's impossible to Pay. It's a zero out of ten. There's not even collections or IRS. And it's a zero out of ten. Like that's insane. Emergency fund. There's nothing zero out. In retirement. There's nothing zero out of ten. Real estate. It's a break even house. Three bed, two bath, 1300 square feet. I'd rather be 15 for resale, but three bed, two bath is least helping. Okay with the break even, not a perfect spot Interest rate, well, you got double dead on 5 out of 10 because at least you're in the market. So Hammer Financial Score for the household. 1 out of 10 guys. Join Hammer Elite. Click that join button. We got three premium shows we post every single day, Monday through Friday, including an extra 20 minutes of this episode in the Financial Auto post show. I will see you there right now where we are gonna expose Pixie for something Levi doesn't even know. Get ready. Someone from Thrift club is still sending her a lot of money through Cash Up.

[A]

I. I text him every other day.

[B]

Oh, every other day.

[C]

Oh, that's my favorite one. God, I love you. I know you're getting married and having a baby, but I will always love you.

[B]

Boo.

[C]

I just wanted you to know.

[B]

You were doing this behind his back.

[C]

One of them. I've actually never seen this photo.

[B]

I want you to answer truthfully. Have you ever done anything with him? Elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.