The Biggest Losers Ever On Financial Audit

Summary

Podcast Summary: Financial Audit

Episode: The Biggest Losers Ever On Financial Audit
Host: Caleb Hammer
Guests: Mason & Maya
Date: June 22, 2026

---

Overview

This episode of Financial Audit features a candid, often combative “audit” of Mason and Maya, a couple from Austin, TX, whose financial life has spiraled into chaos. With a blend of brutal honesty and dark humor, host Caleb Hammer exposes not only the scope of their money mismanagement – credit card and family debt, shaky employment history, and impulsive spending – but also deep-rooted issues in their relationship and personal accountability. The conversation grows increasingly raw as emotional defenses break down, leading to hard questions about their future together.

---

Key Discussion Points & Insights

Mason’s Employment & Aspirations

• Current Job: Mason recently started selling car keys/remotes at a franchise arrangement (selling/duplicating keys in Costco/Sam’s Club parking lots).
  • Fact check: He's been at the job only 3 weeks, yet speaks as if he’s ready to run his own van/franchise.
  • Commission: Unclear, inconsistently stated by Mason; Maya steps in to clarify (often with visible frustration).
  • Host’s Skepticism: Caleb relentlessly questions Mason’s claims about quick promotions, pointing out this is just basic job training, not career advancement.
    • “It’s not a skill tree in a video game.” (A, 04:14)
• MLM Concern: Both Caleb and Maya raise concerns the franchise system has multi-level-marketing (MLM) qualities (referral bonuses to “bosses” etc.), but conclude it’s more of a standard franchise with questionable upside.
• Job-Hopping & Commitment:
  • Maya explains Mason’s history of taking whatever job “falls in his lap” and not showing up (or quitting after a few weeks).
  • Host’s rebuke: “Dude, you’re 27. How many jobs have you bailed out on by now?” (A, 13:06)

Maya’s Health & Work

• Unemployment: Maya is currently unemployed due to a debilitating autoimmune condition (type 2 immune dysregulation); she’s applied for disability and is receiving unemployment for two more weeks.
• Medical/Health Struggles: Maya explains severe, unpredictable flare-ups; hospitalizations; ongoing search for diagnosis/treatment at Mayo Clinic.
  • Host’s pushback: Caleb oscillates between sympathy and skepticism, especially regarding weight/inflammation/excuse-making dynamics.
  • Memorable Quote:
    • “Your promise means nothing to me.” (A, 17:45) (On claims of being on caloric deficit.)
• Work From Home/Side Hustles: Applying for home-based jobs; discusses doing photography/streaming/gig work as flare-ups permit.

Financial Habits and Spending Issues

• Budget Breakdown: Despite claims of hardship (“can’t afford three meals a day”), the couple admits to frequent takeout, streaming services, shopping, paddleboards, fishing trips, pet costs, and myriad nonessentials – often charged to credit cards or “pay over time” apps (Klarna/Affirm).
  • Host’s frustration: “I can get you on a budget where you can eat. You guys can eat multiple meals a day.” (A, 20:09)
  • Hypocrisy called out: Going out to eat, DoorDash, new fishing rods, and subscription services all appear in statements during supposed emergency mode.
• Debt Overview:
  • Maxed-out credit cards (Best Buy, Amazon, Klarna, Affirm, etc.).
  • Family loans (from Maya’s parents for a car, significant sum).
  • Massive back child support owed by Mason ($12,891), plus questionable payday loans in collections.
  • Near-zero emergency fund, no retirement.
  • Notable Moment:
    • “Your credit score is actually 4.” (A, 82:04)
    • “I didn’t know that was possible.” (A, 82:08)

Relationship Dynamics & Communication

• Domineering/Passive Dynamic: Maya is described as controlling (by host and herself)—the “main earner,” organizer, budgeter, and decision-maker, while Mason is passive, non-confrontational, and historically lazy.
• Resentment & Emotional Breakdown:
  • Maya tears up repeatedly, feeling unsupported.
  • Mason concedes to being “a lazy piece of shit” for most of their relationship:
    • “I can admit I was a lazy piece of shit for the first three years of our relationship. Didn’t help. Didn’t do…” (B, 48:50)
  • Caleb pushes them to confront the reality that their mutual enabling and failure to communicate may be their core problem.
• Should They Stay Together?
  • Both host and guests openly question whether the relationship should continue.
  • Host: “If you make kids with him, they're gonna have like triple downs. You can't. Don't breed with this man.” (A, 56:54)
  • Maya: “I don’t know if I’d say yes if you propose tomorrow.” (C, 47:14)
• Communication Failure:
  • “We just don’t talk at all either, which is why we’re not fighting.” (C, 43:47)

---

Notable Quotes & Moments (with Timestamps)

• “Your credit score is actually 4. I didn't know that was possible.” – Caleb (A, 82:04)
• “You make 1500 a month.” – Caleb (A, 14:05)
• “It took two weeks of him just to ask his boss what his commission rate was. Like he just didn’t know.” – Maya (C, 06:53)
• “I have been the main earner for, like, all three years of our relationship.” – Maya (C, 16:44)
• “You’re using that to be a victim in everything in life.” – Caleb (A, 27:52)
• “Do you wanna just…Why don’t you do anything?” – Caleb to Mason (A, 51:17)
• “If you make kids with him, they're gonna have like triple downs. You can't. Don't breed with this man.” – Caleb (A, 56:54)
• “I just don’t think he knows completely what he’s talking about…” – Maya on Mason’s work info (C, 05:21)
• “I am working on being more…not open…communicative.” – Mason (B, 49:49)
• “I could be with Sydney Sweeney if she was…like…I’d make her my housewife.” – Maya joking (C, 55:22)

---

Timestamps for Key Segments

• 03:30–07:15: Mason’s job claims, rapid “promotion,” and host skepticism.
• 13:06–15:00: Mason’s job-hopping and lack of direction; couple’s tenure and history.
• 15:45–17:10: Maya’s medical situation, disability, limitations.
• 20:00–29:50: Food insecurity, disputed meal prepping, and host calling out victim mindset.
• 32:00–37:00: Financial hypocrisy – takeout/entertainment spending during crisis.
• 43:00–47:00: Relationship communication breakdown.
• 47:10–51:16: Maya’s emotional plea ("I don't know if I'd say yes if you propose tomorrow.")
• 56:54–58:00: “Triple downs” & realization this relationship may be past rescue.
• 61:00–66:00: Credit card breakdowns, impulsive purchases (controllers, fishing gear, paddleboards, etc.).
• 78:00–79:06: Mason’s massive child support arrearage and priorities.
• 82:04: Shocking revelation of Mason’s abysmally low credit score.
• 91:00–93:43: Host’s final budgeting, bleak outlook, advice (bankruptcy, double income, extreme budgeting).

---

Tone and Style

• Blunt, confrontational, and darkly humorous: Caleb oscillates between biting sarcasm and genuine exasperation, often shifting tone to match the guests’ defensiveness and apathy, but also toggling into moments of empathy.
• Vulnerable and tumultuous: Maya breaks into tears several times; Mason admits deep personal failings; the couple faces hard truths on-air.
• Candid and unfiltered: Frequent cursing, mockery, and little sugar-coating of personal responsibility or future outcomes.

---

Conclusion & Takeaways

• Caleb’s final advice: The guests must double their income (second jobs, gig work, deliveries, etc.), stop all non-essential spending, and possibly pursue bankruptcy if underlying habits don’t change.
• Memorable Closing: “Ten-point hammer finance financial score: Zero out of Ten, as you predicted.” (A, 93:43)
• The episode ultimately becomes less about numbers and more a raw exposé on personal accountability, relationship enmeshment, and breaking cycles of self-sabotage.

---

For listeners:
This episode is a masterclass in financial tough love and interpersonal conflict, exposing the real, often messy roots of money problems—and the equally tough challenge of fixing them.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. Your credit score is actually 4. I didn't know that was possible.

[B]

I didn't either.

[A]

He's a loser.

[C]

Well, he was the bad boy. Yeah.

[A]

You're getting shamed for not doing the dishes even though she doesn't do anything all day. Your life sucks.

[B]

I kind of.

[C]

Are you gonna let him say that I don't do anything all day?

[B]

No, she. She does do a lot.

[A]

She's actually whipped.

[C]

Oh.

[A]

I hold people's hands when they cry. But a little bit of pushback on you not meal prepping and brings you to tears.

[C]

I feel like I've ran in our household by myself for so long. And he has a ring. I don't know if I say yes tomorrow.

[A]

I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a TH000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever jo. That's a promise.

[B]

I'm Mason. I'm 27.

[C]

I'm Maya. I'm 27. And we're from Austin, Texas.

[B]

And this is financial audit.

[A]

Yes, it is. Thanks for coming into the studio, guys. Nice to have a local. That's rare these days. Okay, what do you do, Mason, for a living here?

[B]

I actually sell car keys. I just started this business. Or not started.

[A]

I actually sell car keys.

[B]

Yeah, car keys, key fobs, remotes. If it starts your car or locks it, I can make a dupe.

[A]

Why was I, like, supposed to be surprised? Like, I like. I actually sell car. Okay. Like, yeah, you have a job.

[B]

Yeah, most people just don't know you can get it from. Not the dealership.

[A]

Okay, cool. You sell car keys. Is this a commission based thing?

[B]

It is commission based.

[A]

Very good. You're the salesman.

[B]

Yeah, I'm the salesman. I make the keys as well.

[C]

He's going into his pitch right now. You can move on anyways.

[B]

Yeah, hopefully I'll be running my own business in the next year.

[A]

What business? Car key business.

[B]

Yeah, so it's called.

[A]

Are you talking about you being a franchise owner? It's not starting, but he's opening a franchise, which I Mean, yeah, that is like you're kind of in the business owner sphere. They're definitely very close to it, actually. I mean, I would say you are, but that is different. You're not like starting something from scratch and building up. You have a model that works. That's different.

[B]

Exactly.

[A]

Okay, well, there will be lots to talk about there. That'll be interesting. But what are you making now?

[B]

Right now, anywhere is between 500 and pause.

[A]

You've had the job for like three weeks. How are you telling me you're going to open. Open a branch? They can open a branch. You've had this job for three weeks?

[B]

Yeah. The goal is is in six months,

[A]

I'll be running my own for three weeks. How do you even know if you like it?

[C]

Actually, he does. His manager and him it like he's mentoring him. He's already been promoted there. They have like a track with three weeks. I agree with you. I think it's ridiculous.

[A]

Everyone's like, can smoking met there or something. I don't know what's going on there. You're not promote. What are you talking about? What's this promoted you got in three weeks? When you start. Wow, you're incredible. Run the whole thing.

[B]

You start off with sales, which you still do. Yes. And then you go into actually programing and cutting and making the keys. And then you go into running the van Labor.

[A]

This is like basic labor that you do at a factory. That's not like basically okay.

[B]

But after I do that for a little while, then I'm starting inventory.

[A]

A little while. What do you mean starting inventory? You've been there for three weeks. What do you mean little while? Sounds like you've just been trained to do the job. Not being promoted multiple times. You're just unlocking new things you're supposed to be doing for the job. It's like if I was a cook, I'd eventually learn how to get to the filet. It's not like I got aing promot. Did you get a pay raise?

[B]

I got more sales.

[A]

Why are you telling me you got a promotion? You get a promotion. I was told I this dude's gaslighting. Or he's just excited about making games.

[C]

He's excited.

[A]

Unlocking things in your. Just you're in your training. That's all that's been happening.

[B]

Basically.

[A]

Don't go around telling people you're getting promoted, guy.

[B]

But it is a promotion.

[A]

How?

[B]

No, it's because I wasn't able to do it before. And then I unlocked it and now

[A]

it's not a skill tree in a video game.

[C]

Tasks.

[B]

Now, I can see it being that,

[A]

though it's not a job.

[C]

Getting started on video games.

[A]

That's been three. Okay, maybe I will. I don't know. Don't take it.

[B]

Anyways, in six months, I'll be running my own van. Hopefully that is van. So it's a van. It's a road show to see some

[A]

of that looks like you're pulling up in a van in a neighborhood.

[B]

The worst part is it doesn't. Yeah, it's at Costco. So. Costco, Sam's clubs, they go there.

[C]

Partners.

[B]

Partner with them. We sell the keys, make it in the parking lot. Costco is the one that actually.

[A]

Okay, good. Very good. All right. You. You unlock van at the end of your training cycle, basically. Okay, so you've been working for three weeks. How can we even tell. How can you even tell me how much money you make in three weeks? It's very difficult. Maybe it's been the best month for keys.

[B]

Yeah, it's definitely fluctuated.

[A]

He's had fluctuated a lot in three weeks. So you can't even tell me it

[B]

went from 500 to 900 in two paychecks?

[A]

Huh? What? What? Why do you keep saying things and making noises? What are you adding to this conversation right now?

[C]

I just don't think that he knows completely what he's talking about because he doesn't keep track of any of this Stu. At all. So I just.

[A]

Keeping track? It's been three weeks. What are we talking about, keeping track? What track are you keeping? Have you even been. How many paychecks have you received? Two. Okay, what do you mean he's not keeping track? Well, he said 500, 900. Where does he keep track?

[C]

He just sends them, like, over to me at the end of the day. Like, there's no tracking as to what his check is.

[A]

Does he know what he got paid or not? Yeah. Is the 500 correct? Is the 900 correct? If he gave it to you, can you tell me?

[B]

It was 620.

[A]

Okay, for the first time in this entire conversation, I was actually talking to you, and then you didn't talk. Cause usually you're talking when I'm talking to him. Sorry. You said he sent you the paycheck. He said he got 500 and 900. Are those correct?

[C]

Yes, Nat, that is correct.

[A]

So why are you interjecting, saying, oh, he doesn't even keep track? I'm sure you don't get. Guys, I'm sure you don't keep track of either of you or else you want to be on this show. Let's be honest. But either way, why would the. Why are you talking? You wear the pants in this relationship. Am I right?

[C]

That's why we're here.

[A]

Oh, yeah, I'm sure it is, you little cuck boy. I. Okay, so you just. Yeah. You walk all over him. I can already tell. You wouldn't even let me have a conversation with him for four minutes without you trying to make noises and interject and say stupid shit that I didn't care about.

[C]

He. Yeah, he stresses me out because it's

[A]

like, you stress me out.

[C]

That's fair. We're all stressed out at this table then. Because it just feels like. Like it took two weeks of him just to ask his boss what his commission rate was. Like, he just didn't know that he was going in blind. I'm trying to, like, budget.

[A]

Did you accept a job without knowing your commission? Right.

[B]

He didn't even know I needed a job.

[A]

Yes. Ask what the commission rate is to be fair.

[B]

I asked in the beginning.

[A]

I told her, you're gonna. To be fair. Me, to be fair. You, to be fair, know your commission rate going into the job before you make sales. To be fair. Okay. To be fair.

[B]

Once I told her what it was in the beginning, before I started. Yes. What the.

[C]

He told me what the estimate, but what his manager said. Here's the estimate of what most people make for me. It's around thirteen hundred dollars. That was the interview conversation. He has not hit that amount yet at all. And, like, obviously he hasn't worked there that long, but, like, it's not looking like it's going to be $1,300. It became, oh, well, they usually make 700 to 900 on a good week, and then it's, oh, on a bad week, 500. And we pay hourly. Oh, we don't. So I didn't have an answer. And this 14% was after his first check because we calculated it.

[A]

Okay. Okay. So it's just weird to me, planning. I mean, I'm already being told that you have a history of dipping on jobs left and right. Is that correct? He has a history of that. Okay, then how the. Are we planning our entire future on a job that you've had for three weeks? If you're endlessly dipping out of jobs? What is your history? What's his history of jobs? Rather hear from you.

[C]

Yeah, he has a habit of, like, not showing up or, like, being late enough that he just stops going why

[A]

are you a lizard dude?

[C]

Um, he also has a habit of just taking whatever job falls in his lap. He hasn't had a career path or anything that he's had a goal for until this job. Which is why I'm like, I want to support you in this because.

[A]

Nice to have a goal when he's been there for three weeks. Can we at least let it sit for three months before? Yeah, because I bet if you have a van, I highly doubt they just give you. Right. It's probably going to cost you rent of money. You rent it. Okay, so now you're like a. We found that out yesterday prostitute and they're pimping you out.

[C]

It reminds me of an MLM a little bit. I'm not going to lie. Like a pyramid type thing.

[A]

Okay.

[C]

Yeah.

[A]

May I have the whiteboard? Okay, how does this work?

[B]

How does what work? Draw it.

[A]

Okay, so you have a van at Costco.

[B]

This is.

[C]

Well, his boss has one right now, but.

[A]

Yeah, well, so you would get a van, right? Yeah. Very good. That's you. Okay, so your boss. Who's your boss? I don't even. Anyway, what's the context? What's his role?

[C]

He's the owner of that van.

[B]

He's the owner of that van.

[A]

Oh, he owns the van. You're renting it from him?

[B]

No, no, no.

[C]

He's not doing any of that yet. That's.

[A]

No, no. In the future, when you have your van, who's your boss? Oh, not name. I don't need a name. It's not literal who it is.

[C]

The company.

[A]

Yeah, just who's the company? He just wants to name all the names. I'm just talking about what is the context. They own all the vans.

[B]

Honestly, I couldn't tell you.

[A]

You're saying this is your entire business?

[B]

In life, basically, they own everything. They own the vans. They own everything. They give you the van and the machines and. Yeah, the van, the machines, the inventory.

[A]

Okay. And they have more people under them.

[B]

Yeah. Oh, they're nationwide. They're nationwide in Canada. Like.

[A]

So it's a franchise.

[B]

Yeah.

[A]

Okay, so there's more vans. Gotcha. And they all go to the company. Is that the main company? So you're the guy that. You're using the van right now. Do you rent the van from him?

[B]

I don't rent the van at all. He rents the van from the company.

[A]

No, I got that. So that's that. Okay.

[C]

He doesn't pay anything.

[A]

The answer would be no, by the way. No, that's all theing answer Would be. My goodness, you guys talking to you good death people. Okay, so the answer is no, you do not rent from your current boss, who owns the van.

[B]

Yes.

[A]

Correct. Correct. Okay, you rent from the van. Can you pay. Can you pay off Company. The van from the company, can you pay it off? Or is it a permanent rent forever? Who owns the van itself? The physical asset?

[B]

I believe it'd be the company.

[A]

So no matter what. So it's not a franchise and fee. You're always paying a rent for the van. So they own the van.

[B]

Yeah.

[C]

And his boss gets a bonus if he becomes a franchise owner. Suddenly he makes more money.

[B]

His current boss, my current boss, when he promotes me out and I get my own van, then he.

[C]

Like, when you hire, like an mlm, kind of.

[A]

That's what I'm talking. It sounds more like a franchise with MLM qualities than a pure triangle. Because for what it's worth, I mean, you're just working directly with the company. You're not, like, under. Like, it would have been very triangle to me if you were, like, under the guy that you're in now. Yeah, he gets a bonus for signing you up for the franchise. Okay, I get that. But if, like, he owned vans and he was. You were using the van or renting it out from him and he was renting it out from the company, then, yeah, I'd get a bit more triangle to me, But I think it's more on the franchise side. And they just make a lot of money because you're paying the rent. What's the rent for the van?

[B]

If you get the van, I believe it's $300. I don't know if they just rent. My Boss currently has two vans and he pays $300 in rent. I don't know if it's 302 fans

[A]

and he has people working for the van. Yeah, working in the van. And you're one of the van guys.

[B]

Yeah.

[A]

Okay. I don't. I don't think it's full pyramid, but it sounds like a. Yeah, it's just these franchises. It's like franchising out of McDonald's almost. And you got employees, and he's just franchising out van. So I wouldn't say that. I don't know if it's a good business to get into. I can't necessarily sign that. I wouldn't say it's a full mlm, though.

[C]

I definitely think it's better than the previous jobs that he's had because there's been no, like, quits after like four

[A]

weeks and never shows up and losers it out. Dude, you're 27. A little longer than how many jobs you bail out. And by 27, you guys have kids. You've been together a while, right?

[C]

Well, he told me before.

[A]

You guys have been together for 13 years? He has two kids.

[B]

No, I have two kids. We've been together for three years. We've known each other.

[C]

He was my first boyfriend in High School 13 years ago, and we've known each other since then.

[A]

Why? He's a loser.

[C]

I was like the nerdy kid in high school. He was the bad boy. Yeah,

[A]

He was the bad boy. How are you? The. Look at you. I have changed.

[C]

It was a lot different in high school.

[A]

What bad boy were you?

[B]

I was. I was the. The party kid that everybody knew and was at every party.

[A]

Now you're just the drunk failure. Okay.

[B]

Yeah.

[A]

Well, you look at it. I don't know if you.

[C]

I don't drink anymore.

[B]

Yeah.

[A]

Oh, he said anymore. Okay, great. Well, no, I was just saying you look it. So what can I even say? You make 1500amonth.

[C]

It seems like it's going to net about like 2500, I'm hoping.

[A]

How the. From the 900 and 500. How are you getting that number?

[C]

It's a weekly.

[A]

Oh, weekly. Okay, so let's call it 25. That's good. Tell Keys, I guess. Maya, what do you do?

[C]

I'm unemployed right now.

[A]

Okay.

[C]

I lost.

[A]

Why? You shouldn't own him for his job if you're unemployed.

[C]

I'm job.

[A]

Why are you. When he's bringing in the money, I get it. He's a failure in a lot of parts of life, but at least he's bringing in money. You're the one without the job.

[C]

I lost my job in March. I have an autoimmune condition that flares, and I was in and out of the hospital at the time.

[A]

And why aren't you on disability or something then?

[C]

I have applied for disability. We're waiting for an answer. It has gotten progressively worse over seven years.

[A]

What is it?

[C]

So I have type 2 immune dysregulation. I can show you a video. That's the easiest way to explain. Or like, a picture. Okay, but it's like.

[B]

Show me.

[C]

My skin flares to a point where, like, I can't regulate my temperature. I can't move. I can't.

[A]

Okay, well, we're applying for every work from home job that we can. Right?

[C]

I'm applying. Yeah.

[A]

Which means maybe you wouldn't be able

[B]

to Get a disability?

[A]

I don't know.

[C]

Yeah, I. I don't know. I have applied. It says that supposedly you can still have.

[A]

Okay, so how long does a flare last?

[C]

It can last three weeks, four weeks. But right now I'm on, so I. I can take temporary medication. So right now my skin is a lot better because I' on it. The problem is you can't take it long term because it, like, destroys your bones and, like, cuts your immune system real bad. I've already gotten, like, infections from that.

[A]

I'm not informed enough on this to give a perspective. So I don't know. Yeah, like, I could sit down, I might be bad and.

[B]

Or.

[A]

Or I could say, yeah, you're doing well. And then people in the comments will tell me, oh, no, she's just being a lazy piece of shit. I don't know.

[C]

Right. I would love. I would love to be. I want, like, even when I'm working full time, like, I'm working other jobs, like, I want to be working.

[A]

What's it called?

[C]

Um, Type two immune dysregulation. We are still looking for, like, the official diagnoses. These are, like, parts of it that I experience.

[A]

Okay, well, yeah, that's not going to help us in this financial situation. Okay, so you didn't get unemployment.

[C]

I did get unemployment. We have two more weeks of it.

[A]

Okay. Okay. So what's going on, guys? What are we talking about? You seem domineering and controlling.

[C]

That's probably true.

[A]

I don't know. But you're also not the one bringing in money. I don't know. Like, okay, so you said. Even if it's with the flares and you're like, you sit all day.

[C]

I've been the main earner for, like, all three years of our relationship. My first, like, one was 80, 000. And then when I had, like, my own, I was contracting for a bunch of different marketing teams.

[A]

Okay. From the National Library of Medicine, by the way, it does say that obesity makes it substantially worse.

[C]

Yes, I appreciate that, but.

[A]

You appreciate that.

[C]

Well, I. I appreciate.

[A]

I mean, maybe lose weight.

[C]

That could cause it. And the reason I can't lose weight is because of the inflammation in my body. The inflammation marker is so it slows down all your systems. So my ige. The normal range is like. Like, if I look at all your

[A]

eating, you're telling me you're at a calorie deficit every single day.

[C]

We don't eat multiple meals a day. We can't afford to. That's.

[A]

I'm in a calorie can, but either way doesn't even matter. Multiple meals a day. If I eat two slices of cheesecake. Cheesecake slices, then I'm over my caloric amount for the day meals.

[C]

I promise. And my.

[A]

Your promise means nothing to me.

[C]

Okay?

[A]

I've had it on this show, like multiple times.

[C]

The inflammation marker that I have, the normal range, is up to 460, minus 15,000.

[A]

Okay, so it's like, no, I'm just going to literally have to take your word for it.

[C]

But you can take his word to speak up at all.

[A]

Like, well, he's a loser. And that's usually fat. People make every excuse to be fat.

[C]

That's fair.

[A]

But including myself. So, like, I. I get it. But it does say, literally a 5 to 10% body weight reduction significantly reduces flares for that type of look condition.

[C]

So hyper cinnaphilics.

[A]

I'm not gonna look up. I'm just gonna have to take your word on it. Okay, so it's like the question in the end becomes, so now what? Okay, you can't lose weight because the player does that. The players are worse because your weight is high. So I don't think just morbid. Obesity just, like, just exists forever, though.

[C]

I agree.

[A]

So that doesn't just happen to the human body.

[C]

It does when inflammation builds in your body, your system. My system does not, like, digest properly. Like, it doesn't function the way that a normal person.

[A]

Yeah, I know. But usually for people that have digestive issues, again, I don't want to speak too much on something I don't fully have the context behind. But even for people I know that have digestive issues, they usually have just. They have medicine they take to help with their digestive issues.

[C]

So I take like six medications right now for all the, like, things that this causes. Right, but we don't know what the actual diagnosis is yet. I've been seeing a specialist and oncologist for the last year.

[A]

You're just gonna have to tell me because I'm just gonna have to let her go on that one, because I don't. No, but he smokes cigarettes all day, every day. I think you guys can afford more than a couple meals a day. If he's doing, like, the most expensive addiction that works. Yeah, so shut the up with that.

[C]

I can't afford to eat.

[A]

Yes, you can. I can get you on a budget where you can eat.

[C]

I'd love.

[A]

Even still, with this lower income, you guys would be on food stamps. So, like, you'd be fine.

[C]

We were on food Stamps until we got cut. And then why'd you get caught? Well, I was. I got my job, so we were.

[A]

Well, now you're not. So get it again. It's meant for people in your situation who are in hard times. I'm not against that. You can afford to eat. Why haven't. Have you applied now?

[C]

Yes, we're waiting. It's pending.

[A]

Pending? For how long?

[C]

For about a month so far.

[A]

Okay. Okay. And then you're on insurance, which still. Or your unemployment, which is how much?

[C]

I get 1,000 every two weeks.

[A]

Okay. Yeah, you guys could eat. You guys could eat with that. You're at $4,500. You guys can eat multiple meals a day. With significant meal prepping. I can get you guys.

[C]

We need a meal prep that. I think I'm meal prepping.

[A]

You're telling me you can't eat multiple meals a day? Then shut the up.

[C]

You know, when I stick to that,

[A]

you don't get to play victim. Bullshit on that.

[B]

See, that's partially my fault because I. My job around the house is to keep the kitchen clean. And it's not.

[C]

It's not just that. It's not just that, though. It's like.

[A]

Hold on, wait. He's the one that's working. Why is he making the kitchen clean? You're sitting on your ass with flares. I get it. But clean the kitchen, it. Wait, what? No, no, no. Why is that your responsibility if you're the one bringing in the money right now?

[B]

Because the.

[C]

That is his only responsibility at home.

[A]

He's his responsibility is making the money. Why can't you do it? You literally don't have a job.

[C]

I do do it most days. And it's supposed to be under him

[A]

preppings a couple times a week. I don't understand why you aren't able to do that when you do nothing.

[C]

Because when I'm flaring, I can't do.

[A]

Okay, but you're not always flaring.

[B]

It's pretty conscious.

[C]

I'm only not flaring because I'm on steroids right now, and I can't take them long term. And I'm. I. Lindsay actually came up with a good idea that I could potentially work with a doctor to take them for photo shoots or something that I can do, like money for. I just.

[A]

Photos.

[C]

I. I'm a.

[A]

What?

[C]

I work in marketing. I have all of my camera equipment. I own a photograph.

[A]

You do the photo shoots?

[C]

Yes. To make money for us? Yes. So I'm trying to find ways that I can work, but it's unpredictable.

[A]

I mean that's. And maybe, I don't know. It's a very competitive market. You don't just enter it and all of a sudden everyone has. Every awesome photographer has experience in it. You know how many there are. Who the do you think you are? I'm with you on the school for it. No one gives a in the arts. The arts is outcome driven, right? No one gives a what degree or where you went. It's a.

[B]

It's true.

[A]

It's. It's the social media present. Why are you guys pretending like you see there. There is actually something I know about the arts and out there performing there is something I actually know about. And just hearing how arrogantly you guys are pretending like you know everything immediately makes me doubt everything you said about the medical shit, because I'm not informed on that. So I'm not going to push back against it. But seeing how much informed you thought about how she's going to do in photography and she went to school, it's like, no, you guys are so now I can't even trust your take on that medical because you just showed how arrogant you are and pretending like you guys know everything.

[C]

I think you're wrong.

[A]

Drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99% and they legally cannot charge you more. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus, their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates, and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefi.com hammer that is yrefy.com hammer or call 888 Yrefi 78. That is 888-Y Refi 78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one ynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy. Right. Well, they're going to force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what? They want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise bills. Play these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below on the photography. Shit.

[C]

No.

[A]

Very good. So you're making thousands of dollars.

[C]

It is entirely outcome driven. I think that it could be supplemental income for now.

[A]

Plenty, maybe. How are you getting clients? And what. What kind of photography? What are you doing?

[C]

Portrait photography. Family photography.

[A]

Okay. Yeah, definitely none of that.

[B]

Neighborhood.

[A]

The entire.

[B]

Huh?

[C]

I. I've done it in Steiner Ranch before. Neighborhood pages, Post. As a photographer. I've gotten money from that.

[A]

Everyone's doing that.

[C]

I know, but I'm saying like that or like. Like I need to do something. I need to.

[A]

If you're able to do that, why can't you do something else?

[C]

Well, because in that specific instance, I might be able to take medication for a shooting, but being able to consistently maintain a job with how the flares are and how severe they can get, that's hard. That's why I was struggling so much in my job.

[A]

Yeah, potentially. But you're discounting the amount of work it takes just to even get a shoot on an ongoing basis.

[C]

That's what I'm saying.

[A]

I don't think it's ongoing, which, I mean, if you literally can't move when you're flaring, it's like. Okay, yeah. So, okay, you're getting shamed for not doing the dishes even though she doesn't do anything all day. Rip you. Your life sucks.

[C]

Are you gonna let him say that I don't do anything all day?

[B]

No, she. She does do a lot.

[A]

She's actually whipped. You're pathetic.

[B]

Yeah, but it. She. She actually does do the dishes. Specifically, these soaps that we use flare her hands and cause blisters.

[A]

And she can't do anything.

[B]

No, I really can't.

[C]

And he judges work.

[A]

What are you gonna do? What are you gonna do in life?

[B]

Like, just.

[A]

It's like, time to give up then, I guess. I don't, like, I don't know. I have nothing for you. If everything in this conversation is, well, my flares. It's like, what the. Why'd you come to financial audit? This isn't flare audit. I can't help you with your flares. Your body's. That's not my. I can't fix it.

[C]

I think it's. It's ridiculous. My parents have offered to help us, like, pay for medical for me to go to Mayo Clinic. That is our next referral. And we're going. I know.

[A]

Okay, well, what can I do?

[C]

The problem is that during, like this time, this is the first time in three years I haven't been able to work. And I'm not entirely sure that he will maintain us. I can't work very much and I'm.

[A]

Guys, you literally told me you're not meal planning and meal prepping.

[C]

We plan. We meal plan. I'm not like meal prepping. Breakfast, lunch, and dinner.

[B]

Why?

[A]

If we're crying about not having enough meals a day, when with the unemployment. You guys do make enough and you'll get food same soon. And he smokes cigarettes all day and you're paying for chat. GPT and all this. Yeah, your little addiction. By the way, why the aren't you meal prepping? Thank you. Guys. She has a real medical thing. This is how I'm reading it now. Just with their arrogance and how they're not willing to cut back on things and just how they're doing. And then they complain about the meals. If you guys haven't picked up on this, I am now. She has a real medical diagnosis, but she's using that to be a victim in everything in life.

[C]

Absolutely not.

[A]

Well, you having this conversation so far. So prove me wrong.

[C]

It took Me. Seven years of dealing with this.

[A]

Oh, here we go.

[C]

To get to a point where I could even, like, get to like, not working.

[B]

Cool.

[A]

I don't see how does that make up for you being a victim of not meal planning?

[C]

I'm not playing victim. I don't want to deal with this. I don't want to.

[A]

No, but you're using it to play victim in everything. I can't so far. Meal prepping. Oh, here we go. Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and brings you to tears. Meal prepping. Meal prepping. It's meal prepping, guys. It's. It's meal prepping. I'm sorry, I can't have sympathy for tears for meal prepping.

[C]

It's not about the meal prepping. It's that I do everything in our house non stop with this, and I'm being called the victim. And you don't do anything. You work.

[A]

He's working.

[C]

You finally got a job after three months of us wasting the $12,000. We had savings.

[A]

If he didn't have a job, I'd be kicking his ass that he's not helping around the house. But he has a job. You don't. Why is it on him to deal with the dishes? I'm sorry if that's the big thing that holds us back from meal prepping.

[C]

He says that it's on him to deal with the dishes and he hasn't done them in like six months. So I don't understand how that's his job.

[A]

Okay, okay. He's pathetic for not doing it, but I'm sorry. If someone's not doing the dishes for six months, I just step up and do the dishes.

[C]

I do them. That's what I.

[A]

Then why are we crying about not

[C]

being a meal prep right now? I can't, like, I can't manage our finances well enough to have money up.

[A]

I'm talking about meal prepping. I didn't bring up finances yet. I'm talking about meal prepping. You literally pulled the victim card immediately five minutes into the episode about, we can't even get three meals the day. It's cause you won't do the dishes.

[B]

Dishes.

[A]

I can't have sympathy for that. I have sympathy for your flare up and not working. That's why I haven't pushed back on that. I didn't say go get a job. You haven't heard me say that. Cause that's real. I have sympathy for that. Do I have Sympathy of running some. A dishwasher.

[C]

No, I am doing that. I'm not saying it's going.

[A]

Then why aren't we meal prepping?

[C]

It's hard for me to manage all of our finances and try and figure out where we can get money to do that.

[A]

Meal prepping's time. Meal prep is time. What do you mean?

[C]

That's why we're here, so we can get your budget notebook and all of the things that are supposed to happen.

[A]

Oh, my goodness. No offense. Yeah, it's nice. The 30 day meal plan's nice, but you know how to meal prep. You're not individuals. Guys, spaghetti and meatballs and sandwiches.

[C]

I can't eat half of that either.

[A]

Oh, my gosh. Why am I even talking to her then if she can't do anything? What can you eat?

[C]

It's kind of limited.

[A]

Hey, what can you eat? Was the question that you'll be answering. Thank you.

[C]

We have, like, a set list of

[A]

hey, what can you eat?

[C]

I'm trying. I mean, there's a lot I can't eat.

[A]

Okay, let's talk about what you can eat.

[C]

Okay. I can't have tomatoes. I can't have any night shades.

[A]

I said Ken. Ken. Do you know what the word can is? Let's try Ken.

[B]

All right, so, like, chicken noodle soups.

[A]

Let's have her answer. Cause, like, I don't trust you. You're a little. You're dumb.

[C]

It depends on how much I'm clearing. But I could have things like soups. I can have, like, chicken noodles.

[A]

Easiest meal prep. That's the easiest meal prep soup.

[C]

That's what we've been doing.

[B]

What?

[A]

You just said you haven't been meal prepping only two meals a day. We can only have two meals a day. I'm sorry. Your tears are fueling me this episode because they mean nothing. They mean nothing when. When there's actually something sad that happens in an episode. I'm sad with the guest. Your tears are pathetic right now.

[C]

I'm. I'm. I have a hard time with this conversation because.

[A]

Not meal prepping.

[C]

No, not of. Not meal prepping. This whole thing.

[A]

Well, that's all we've been talking about for 20 minutes. That was disgusting. Control yourself.

[C]

It's just that, like, yes, there's a lot that I can't do, and it sucks right now, and meal prepping is part of it.

[A]

Can we meal prep soup? You said you could have chicken.

[C]

I'm not.

[A]

You said chicken.

[C]

Yes, we are meal prepping, like, for a couple days. But it's not like, like a week of, like, stuff that unnecessary food.

[A]

You spent $800. I can get you $600 at HB with the meal plan and the cookbook for meal prepping for a month. So shut the up. Trying to come in here and cry baby that you can. You can't have three meals a day. We need to spend $800 a month for two people on food. Oh, she's gonna cry about that too. Okay, what. What are we doing? What are we doing?

[C]

Am I the only one who's gonna talk in this conversation or not?

[B]

No, I'll talk too. I just got told to shut up when I was talking.

[C]

Okay, here's the thing. For all three years of our relationship, I have been the main earner. I've worked.

[A]

Congratulations. Here's your reward. This is the best I can do for a gold star.

[C]

No, I don't.

[A]

What's the point?

[C]

My point is I'm tired of it. Like, I like.

[A]

Okay, well, congratulations. You're tired of it worked because now you don't work and he does. So it doesn't matter. Your dream came true.

[C]

No.

[A]

Am I being do mean I don't know, but, like, I was on your side until all of a sudden you started talking about things I actually do know. And then I realized you were just arrogantly being victims, which makes me just not unfortunately. Trust what you're saying about the medical. But I'm not informed enough to push back, so I don't really care.

[C]

So we had 12 grand from the inheritance that I got or tax return I have or whatever and savings when I lost my job. He just didn't apply for jobs. So we spent all of that 12 grand during that time when I was actively in a job now, right? Yes. He now has a job.

[A]

Guys, do you hear me in this show? I've said multiple, multiple times, I don't give a about what you have done. I care about what you are doing. What you are doing now is he has a job. You do not. I'm not going to criticize you for the job part, but I'm going to criticize you for what you do with the money that comes in. And what that is, is, I mean, you spent nearly 66% of the money you spent getting groceries. You all spent going out to eat. You're gonna cry and. And moan pathetically about not being able to eat three meals a day. Yet you go out to eat. Guys, most of that first world problems. This is beyond first world problems. Complain about not getting enough meals on the table, yet you go out to eat.

[C]

We don't go.

[A]

What conversation are we? Oh, hey, woman, you go out to eat. You can't say that. But y' all don't say that. Shut up.

[B]

Most of that is me getting food.

[A]

Hey, you're a part of it.

[C]

No, like, we don't go out on date. When are you going?

[A]

It doesn't have to be a date to go out to eat. Hey, is McDonald's going out to eat? Is Chick Fil a going out to eat? Is Starbucks going out to eat? Is getting DoorDash of 359 going out to eat?

[C]

That was groceries, not all.

[A]

We'll see. Yeah, Pizza Hut. Is that groceries? Is that going out to eat? I don't know. I think. I feel like. I feel like Pizza Hut, if I'm not mistaken, is not actually being made at home. It might have to be factored on that one. Comments.

[C]

Let me know. I thought you meant, like, restaurant McDonald's.

[A]

Did you make those fries at home or was that ingredients you got from a store called McDonald's? So you. You. You. You want to come in here and look sad and get the sympathy of the audience and me for not being able to have three meals a day yet McDonald's, Chick Fil A, Starbucks, doordashing, and Pizza Hut are happening.

[B]

Oh, yeah.

[C]

Yeah.

[B]

Again, most of that is no.

[A]

You just got called on your sorry, you can't be victims when there's proof of you guys not being actual victims. I know. That's a card you seem to have played your entire life. So far you're saying no, yet you just did it for 35 minutes.

[C]

That is not a card I've played my entire life, and that's not how I operate.

[A]

What? That's how you've operated in at least multiple parts of this conversation.

[C]

So, yeah, I. I'm in the part of my life for. For the first time, I can't figure out.

[A]

I'm not criticizing the medical thing, but you're a victim. You're victiming on the food prepping. You're a victiming on the budget. You're victiming on the income coming in. And I'm talking about the unemployment differently at the job you got fired from, but you still got unemployment anyway. You're a victim talking about not having enough meals, yet you spent enough for three people on groceries. And you also went out to eat for an additional $600. Yes, you absolutely did. Don't try to pretend like you did. And I will not let that slide. There will Be nothing productive that it comes from this con. If you are not able to accept that you are being a victim, if you are not willing to accept that part of your behavior being called out, then you'll never improve ever in your life. And then. What the am I doing right? Uh huh. Speak boy.

[B]

On what?

[A]

Something she said. You're not speaking so there must be something there. In fact, unfortunately, when I look at you, I can tell there's nothing.

[B]

But honestly I. I don't know.

[A]

I don't know. Told you there was nothing. Okay, so you're the breadwinner. How much money were you making?

[C]

65 to 70 depending on where I was working.

[A]

Now you were telling pre production that you had your last job for 10 months and you're stressed all the time, which led to the flare ups. But you were in. I mean no offense. And I have some of them here and they have the least stressful jobs. Marketing.

[C]

Marketing is not stressful. The boss that I had was she like. Like crazy. She had.

[A]

Wait. Multiple people were going to the ER from this marketing job?

[C]

From. From the boss that we had. Multiple people on my team all went to ER for stress related incidents. Yes. What?

[A]

Okay. Make.

[C]

Yeah. And we went to hr.

[A]

Make sure you never hire anyone from that team. Sounds like a lot of bunchies.

[C]

Oh no, no, no.

[B]

She was. She was a. And I never spoke.

[A]

Did you work there?

[B]

No, but I shut the up.

[A]

What?

[C]

I worked at home, so he witnessed it and then she worked from home.

[A]

And you're. What did your boss do?

[B]

Took her credit.

[C]

Well, she. Not only did she take credit for everything, she was.

[A]

That's our. We went to the er.

[C]

No, no, no, no no no. She's. She not only is working other jobs, like while supposed to be maintaining this

[A]

job, which give you the stress for the er. She had another job. Okay.

[C]

We picked up her whole workload. We had no.

[A]

Okay.

[C]

No training when I started.

[A]

Okay. These are basic job things that everyone has experienced out there. Continue.

[C]

Okay.

[A]

Waiting for the.

[C]

She would constantly push off all of her work on us last minute.

[A]

And like you've all experienced this and so have I.

[C]

I've experienced it. I'm not saying that it's like not.

[A]

You're saying everyone went to the. The er. I'm waiting for the thing that sent everyone to the er.

[C]

It. It's just. It was constant. It was like. It's not like was. It wasn't like a boss. Like if I dealt with a boss, that's fine. I mean she was like pushing off projects, telling Us, we had one day to do them when it was like a two week project to make a book. Like a whole thing to print and produce. Right.

[A]

Yeah.

[C]

I mean it sounds like a shitty

[A]

job, but we've all been before.

[C]

Yeah, it was a horrible job. And I, And I kept it and I did it anyway because we had to, as you said. Right.

[A]

I think you guys were enabling each other. I really do. In this victim mindset. I really do.

[C]

No, my team member who worked under me went to the ER for. She was in for a week and a half. She was admitted for like she had some stomach thing. They were saying if she doesn't cut back stress in her life, she's.

[A]

She had a stomach thing, she needed a cup. Cutting back stress is a thing that is oftentimes given as a prescription to multiple things. That doesn't mean she was given that due to high stress. But you want to cut back on stress through a lot of things that happen to your body. Yes, that is very common. Blood pressure, blah, blah, blah. All of it cut back on stress. That doesn't mean stress caused it though.

[C]

Well, from my understanding. Oh, from my.

[A]

You guys can never have a job.

[B]

No. Her previous job she held down for like.

[C]

Yeah, I had my job multiple years, four or five years.

[A]

Okay, Multiple years.

[C]

I was working as a contractor, so I worked full time for Canon VMware, a marketing agency called Innovatus and a couple esports teams.

[A]

Why didn't you leave the job with your Nazi boss?

[C]

Because I didn't have clients anymore. My main client did not fulfill.

[A]

No. Why didn't you go get another job?

[C]

I was applying the whole time I was there. I just, I couldn't find anything that like I would go through interviews, multiple like interview processes, get to the final point and they would say, you know, we would have selected you.

[A]

But see, this is what's concerning for me with the notes that I'm giving and what you talked about, the little side stream of income that you want to keep being an entrepreneur. You want several streams of income and you want to make businesses out of hobbies. I don't think you realize you having a bad boss, that was stressful. You will never experience stress like running a business.

[C]

Not.

[A]

I know it is the stress most stressful. If you ever get employees, if you ever get anything, you will never experience stress higher than that. I've aged like that 10 years to

[C]

do something about like my flares.

[A]

Like I have all of a sudden when it comes to her, her doing what she wants to do, she can do something about her flares, but when it comes to her working a job, she can't work a job because of her flares.

[C]

Regardless. That's. That's why, like, right now, when I'm not working, that is what we're doing. I'm on the second month of a new treatment that we're trying. I'm supposed to go to Mayo Clinic in July. I start with a new specialist.

[A]

Okay, so it's time to get a job after that then.

[C]

Right. And that. That's my concern is like, we're blowing through savings like crazy, this job. Like, I appreciate.

[A]

Why are we going out to eat? Wait, why was our going out to you spending $500?

[B]

Right.

[C]

Because it.

[A]

Let's cry about it.

[B]

Yeah.

[A]

Keep touching her. That's gonna make this go better. I think you guys got called in your. For the first time in your life because no one around you is willing to.

[B]

Yeah, I don't really have very many people in my life, especially to call me out on my shit. Aside from her, and she does call me on my shit most of the time.

[A]

Yeah. Like not doing the dishes.

[B]

Doing the dishes. Keeping a job.

[A]

You should probably just be a adult. Yeah, that's.

[B]

That.

[A]

That would be nice. I don't think that's her nagging or her being on your ass. I think you should just get a job and take care of the house like a adult.

[C]

Yeah.

[B]

Yeah.

[A]

And it's pretty. Pretty pathetic not to. You guys said you have kids, right? Is that what I heard?

[B]

Yeah. They don't live with full kids.

[A]

How many?

[C]

Two, five, and six.

[A]

No, you said you have kids.

[B]

I have kids. Yes.

[A]

You have kids. 5 and 6. You probably provide child support.

[B]

Yeah. Roughly 200amonth does that.

[C]

Not anymore, though.

[A]

Why?

[B]

Because the child support is to my mother. My mother has custody.

[C]

Yes. When I. When I lost my job, we. Her and I sat down with our budget and we were talking about, like. Like, not doing it. In the meantime, while we figure out what's going on,

[A]

how do we even communicate in this house? Because I feel like you probably just.

[C]

We don't.

[A]

Yeah, I bet it's you hammering down and you'll be like, do I. I'm not thinking about anything.

[C]

He. He just won't talk to me ever. Like, we'll sit down to look at our budget, and he'll look at it and be like, I'm too tired to have this conversation right now.

[A]

And then you yell and cry at him.

[C]

No, I. We just stop. We actually don't fight very often.

[B]

At all.

[C]

We just don't talk at all either, which is why we're not fighting.

[A]

Well, I don't know if he's capable, but I mean, I'm being told to primarily talk about your relationship through sending each other Tick Tock videos.

[C]

Anyway, neither of us watch him. That's a whole thing about it.

[A]

Well, I don't think that's a way of communicating anyway.

[C]

It's like a passive aggressive type thing because it's.

[A]

Because you're both and he's just.

[B]

Yeah, basically.

[C]

It's just frustrating. I feel like I've ran in our household by myself for so long and he has a ring and I'm like, I don't know if I'd say yes tomorrow.

[A]

Oh, you're not married?

[B]

No.

[A]

Oh, thank goodness both of you run from each other. Hey, you dated in high school. That's great, guys. No offense. I mean, I don't want to. It's a. If he's leaving, it's not like leaving someone that just got like. Like stage five cancer. Right? I mean, right, right. Like, it would be. It would be bad if he left her. Probably. It would look bad.

[C]

It'd probably be less stressful actually.

[A]

Huh?

[C]

It would be less stressful.

[A]

He would be less stressful.

[C]

No, no, no. I think it would be like if we were to break up, it probably would be better on my players and less stressful.

[A]

Oh, yeah, that's what I'm saying. I think both of you would be much happier. I don't know why you guys are together. Like, what is keeping us together? Love? Huh? Sounds like it. She gonna cry the entire hour and a half?

[B]

No.

[A]

I just launched the brand new Hammer Elite app. Available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But it's limited to the first 1000 people to purchase. For a one time payment of $500, you'll get our entire Hammer Elite catalog for Life and a limited edition Hammer for Life box packed with limited edition merch you can't get get anywhere else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pin comment below. This is the best membership you'll ever join. And that's a promise. If you or your child spent years growing up on social media and experienced Serious mental health struggles. You should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan. And Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

[C]

Don't lie to him. Probably. I'm just. It's like, all. Like, we've. We've never been able to talk about it or, like, sit down. I can't get him to have a conversation. All right, let's have the first time that we've sat down and it's just all coming out.

[A]

So what have you wanted to say to him? Tell him one.

[C]

I don't know if I'd say yes if you propose tomorrow. I love you, and I've loved you for, like, so long. But you don't help around the house. You don't apply for jobs. You don't contribute to our finances. You have no motivation in life to have goals. I want to accomplish something. I hate that I'm in a position where I can't right now. And I'm. You have watched me at home, still doing everything I can. I've gone through our whole house, which you failed to mention. Like, I am actively door dashing. I'm the first person who's fixed our car, which that was a whole surprise. And, like, $1,300 we did not need to spend. Had you done what you had told me you were gonna do. I feel like I spend all the time being in charge and undoing what you just, like, if you don't do it, it becomes a problem, and I undo it. And right now, like, now that we're in a position where it's like, I'm not making money, then what? Like, do we lose our apartment next, or do we figure this out? Because I don't know. You know. Oh, well, how much do you make in commission? I don't know. You forgot to pick up your check for a week and a half. Like, that's, like, you're getting paid. Why would you not want money? Like. Like, pick. Like, just take your check from him. You don't do anything. You just forget. But your last job, you worked four hours a day watching YouTube all day, and then. And then you went to, like, home and played Video games for eight hours a day and still weren't helping around the house. So it's like, this isn't like a new problem where it's like, oh, you know, you're not cleaning while I am home. But.

[B]

So that's fair. I can admit I was a lazy piece of shit for the first three years of our relationship. Didn't help. Didn't do.

[A]

Wait, I believe this. That's the. All of it. That's all of it. But continue, please.

[C]

Our three year anniversary was in April.

[A]

Sorry, I don't want to interrupt you, except I just did. Continue.

[B]

That's fair. Anyways, I have been a lazy piece of shit. I haven't helped out. I haven't done anything to support the relationship, but I feel like I am starting to try to help out.

[C]

You're showing up to your job, and I would argue that that's a pretty basic adult skill that needs to be done right. But I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that, like, the stress is like, clearly having issues.

[A]

Keep responding. Because you said a lot.

[C]

You haven't done anything.

[B]

Yeah, I haven't. I am working on being more not. Not open.

[A]

Open's not the right word.

[B]

But communicative.

[A]

I don't think that's a fucking word.

[B]

Okay, well, that. I am trying to actively be more present in the relationship. I haven't done the greatest job of it.

[C]

So is he.

[A]

He's saying he's working. Is he working?

[C]

He is working. Okay, he's doing that.

[A]

No, no, no. He says he's working on all of that. Is he working on all of that or is he just pushing it off?

[C]

So he went on a business trip for a week this last week. He's been gone the whole week. He had four days off before he left. And I said, before you leave, I need you to do these three things that I can't do before you go. I need you to fix the litter robot that you like, deprogrammed so it's working. While they're gone, I need you to do the dishes, that you have your special cast irons that you wash a specific way and whatever. And what were the other ones?

[A]

One more should have been.

[C]

There's two more, but they were like very simple, like, things. And he had four days to do them. And I told him at the beginning of the four days, so he had plenty of time when he left. He left the litter robot. Unplugged didn't fix it. Didn't do the dishes. Didn't help with like any of the four things I had asked him to do. There was actually something that caused a problem. I'm trying to remember some of the robots, but it was. Yeah, he had left it like completely unplugged to the point where like I didn't find out until like a couple days in.

[A]

Why. Why don't you just. Why, why don't you do anything? Also where the business trip two weeks into this job.

[C]

Yeah, they go. They go to Tulsa once a month to go sell there because it's a better market. But that is was not our experience. When he went.

[B]

Yeah.

[A]

What the. Tulsa. They just need more keys.

[B]

Yeah, yeah. No, but they just don't have this man.

[A]

I guess. So why doesn't someone start a van there if it's such a good market?

[B]

Because my boss is now covering.

[A]

Open your phone. Give it to me. Oh, thank. It's an iPhone.

[B]

What do you mean?

[A]

Whatever I want? Boy, how is it that you are four years younger than me and look 40 years older than me?

[B]

A lot of what I was doing not good.

[A]

You also don't have a chin.

[C]

He's not wrong.

[B]

Damn.

[C]

We've talked about that though.

[A]

Yeah.

[C]

He needs dental work. Ask him about his.

[A]

Oh, it's a dental thing.

[C]

Ask him about his injuries.

[A]

That's fine. I don't know if that changes you having a chin. Type in your passcode, freak. Do you not know your passcode?

[C]

Wait, it's like a pin, not like your passcode. Passcode.

[B]

Yeah, it should be.

[A]

Bring it back up.

[B]

I don't know what you did.

[C]

Okay. It will eventually lock your phone.

[A]

This free.

[C]

Failed passwords.

[A]

How do you not trying to look at his screen time which is for some reason password protected. What the is wrong with you?

[B]

Uh, I have no idea what that passcode is.

[C]

Would it be our interpretation?

[A]

That's what I tried, brother.

[B]

Uh huh.

[C]

He doesn't know his bank password either.

[A]

So she has to take care of everything for you.

[C]

Do you want me to try? Okay.

[A]

He's not hiding.

[C]

No, he's not hiding.

[B]

I'm just a little slow sometimes.

[A]

Oh, so she, she, she. So she got your health insurance for you? Cuz you're pathetic. She knows your bank loans. Cuz you're pathetic. Why can't you do

[B]

just a lazy piece of. And I'm relearning.

[A]

He answered it. We just leave. You might love them, but your life will be so much better without him. You guys haven't Bred yet you're not married. Leave. Leave.

[C]

Why?

[B]

Why?

[A]

Yes, you love. You'll love someone else. There's a lot of life. You're 27.

[B]

Leave.

[C]

I told him that if this isn't something that we can resolve, then this

[A]

isn't just something, though. This is the finances I'm talking about. He leaves his job every five seconds. He's only excited because he just went on a trip to Tucson, but that he doesn't do his, like, custom dishes that he needs to do. He doesn't do the kitty litter. He doesn't do anything. Bro won't get health insurance. Bro won't do anything. Doesn't know his bank login. He can't even burp like a normal adult. That's on camera that you need to leave this man. I'm sorry. Like, I don't know what. What, what is. What does he provide for you besides that you love him, which is important. But you will find love. Yes, you will.

[C]

No, no, no. That. To answer your question, he. I mean, he does show up in ways that, like, if I'm flaring and I need help, like, he will help. He's. They're like, you know, but. But financially or, like, in terms of having goals or motivations in life, like, no, that's not something that he seems to.

[A]

I couldn't be with someone like that even if I love them. Even if it was Sydney Sweeney and she didn't have.

[C]

I could be with Sydney Sweeney if she was. Like, I'd make her my housewife. I'm not gonna lie. It'd be fine.

[B]

Never mind.

[A]

She. She can have no ambition or everything like that.

[C]

That's true.

[A]

But listen, he ain't a 10 out of 10.

[C]

I just, I. I know that, like, he's capable of it. I've seen it before. Like, we've been friends for when.

[A]

When he does it for like a month.

[C]

No, he didn't used to be like this. Like, years ago. Like, when we've.

[A]

What happens?

[C]

He went and made some poor choices.

[A]

Fine. But the poor choices are done. Right?

[C]

Right.

[A]

And so why is he not bouncing back?

[C]

He feels capable. Like. Like he might not be for the first time. Like, I think the reason he's so excited is he feels like he. He is doing something. Okay.

[A]

But for what it's worth, he's excited that he's been at a job for three weeks. One week was on a paid trip to the desert. Like, I. He's too. We're all excited. A couple weeks into it first. Dude, I was excited A couple weeks into, when I worked at a pop Pop place. That place ended up sucking.

[C]

Yeah, I worked at a garden center. I was super excited. And then I hailed.

[A]

Exactly. That's how it all starts. So that means nothing. That is exciting.

[C]

Right? I just, I want to give him the support to have whatever career path he wants once, but I just don't know how to do that when he doesn't even know what he wants.

[A]

Go to settings. Well, I don't think. Because for what? It's change screen time, turn off screen time, pass. Yeah, but he needs to.

[C]

I might know it.

[B]

You gotta wait four minutes.

[A]

Oh, you can do. Forgot passcode. And then your Apple account.

[C]

Know your Apple password.

[A]

Dude, buddy, if you don't know your Apple password, I'm gonna. And I actually believe it. I, I, I believe it. He's. If you make kids with him, they're gonna have like triple downs. You can't. Don't breed with this man.

[B]

Okay.

[A]

It hasn't been tracking, so we can't even see because it's been off.

[C]

I will say you won't see anything on there anyway. He doesn't spend a ton of time on, on his phone. He spends it all on his computer.

[A]

Even at home when she needs extra help.

[C]

Yeah, like eight hours.

[A]

What? Oh, gaming success.

[B]

Gaming apex.

[A]

Okay. How many hours a day?

[B]

It was pretty constant.

[A]

It was, I'm talking about now.

[C]

I introduced it to him like maybe two years ago. He has about 4,000 hours on the game already.

[B]

Okay.

[A]

I mean that's a lot, but. And I know people with even more. Right? 4,000.

[C]

Yeah.

[A]

How many did you have on rust, Brandon? 5,000. Okay. It's a lot. It's a lot.

[C]

Yeah.

[A]

Okay. Yeah, that's a lot. Okay, but how much now though?

[C]

From the time he gets home till he goes to bed. So probably about four, five hours a day. And then on his days off, it's all day.

[A]

You just started streaming again too. See, if you're able to stream. If you're able to do the.

[C]

I've streamed twice.

[A]

But even still, let's pretend you make it as a streamer and you make a full time time. You wouldn't be able to handle a cancellation. The first cancellation you get, your body would literally.

[C]

I've been a streamer inflame.

[A]

Yeah. Big enough to get a cancellation.

[C]

Yes, I was making about two grand a month.

[A]

Okay, so not big enough to get a real cancel. Not like if you ever made a substantial enough living off of it to get a real cancellation, your body would literally Explode. If you're stressed from a marketing job because your boss handed you a last minute project was enough to flare up. Dude, you would die. You would actually die. Your organs would shut down. You couldn't handle it.

[C]

I don't think I can handle not working either though. I have always worked. No like.

[A]

Okay. What do you guys think your Hammer Financial score is for the household?

[C]

0.

[A]

0 being the worst. 10 being the best. 0. You're able to get there all on your own. Proud of you.

[B]

Appreciate it.

[A]

Cheers. For free caleb hammer.com Take the assessment. Just takes a few minutes. See where you stand in the world of money. Where you're doing poorly, where you're doing great. How you can get to the place of doing great.

[B]

Okay.

[A]

And a good way to get there, unlike the guests on this show is to download the dollar wise budgeting app. Take the free trial. See if you like it. Most people do. And if you do, sign up for the annual version. It saves almost 50%. That's why most people do it. And then you also get the signed version of my 30 day meal plan.

[C]

Thank God.

[A]

I'll sign it and mail it directly to you. It comes with the digital version of the cookbook for all the recipes.

[C]

Appreciate it.

[A]

Uhhuh. That's for awesome snacks, drinks and meals.

[B]

Huh?

[A]

If you're a good boy, I'll sign it.

[B]

Say less.

[A]

Visa. Well Best Buy.

[C]

It's all of the credit cards.

[A]

Well you're a nerd too so. Oh okay. Why are you going into credit card debt?

[C]

Because we have to pay bills. So when I like in the time

[A]

why'd you go out to eat $500 last month? Doesn't make sense. Miscellaneous. Also $500 doesn't make sense. So you spent on minimum 1000 hours last month. You can't use the excuse because cuz to pay bills you've been spending. You're on. He's he just got this job. You're unemployed. Unemployment's about to run out. Food stamps hasn't kicked in yet cuz it takes like 30 days. Why 1000 hours on then? I guarantee you all the credit cards going up was not a TH000 you spent 216 hours on here. If I turn the page will it all be necessities on the Best Buy card?

[C]

The Best Buy card? No.

[A]

Then how can you tell? See how she tried to be a victim there? She tried to look good.

[C]

Good.

[A]

She tried to do it again. Why is the credit cards up? Pay the bills. I asked the cards and I obviously said the best Part buy card. Oh, I had to make sure that food. Food's on the table. Okay, okay, like what are you talking about? 216.49 spent. Well, interest is accruing. Well, he only made a 30 minimum payment which was higher. Now it's up to 51. $51 is your new minimum. Yeah. You owe $1,929 and 4 cents on a $2,000 limit. What do you know about the finances of this household, my friend?

[B]

Honestly, not I know.

[A]

Do you know about anything, my friend?

[B]

I know about car keys. I can tell you that.

[A]

Our average even good at apex.

[C]

He's okay.

[B]

Oh, I'm not.

[A]

4,000 hours to be okay. What are we. 4,000 hours to be okay.

[C]

He was almost a master's player.

[A]

Put the fries in the bag.

[C]

He won't work fast food.

[B]

I don't do fast food anymore.

[A]

That's not what I'm saying. But also, yes you will. You are the prime suspect for fast food. No offense to fast food workers, but no.

[C]

He was a full on man manager and everything and for fast food he was like excelling in that. He just won't do it.

[B]

I won't do it.

[A]

Well, that's pathetic. Leave him. If he won't do something, leave him. Are you flaring now? You're getting red.

[C]

It's because I cried.

[A]

Does that equal flare? Are you gonna break?

[C]

No, my skin. You'll see it like.

[A]

Is it disgusting?

[C]

No, you saw the video. I mean it's just gonna look really red. I'm gonna be able to draw on my face like we can play tic tac toe.

[A]

Well, why didn't you like fast food? Was it the clientele?

[B]

Not necessarily the clientele. It was.

[A]

Oh, it was.

[B]

It was the work. It was.

[A]

He worked at kfc.

[C]

He did.

[B]

I ran that kfc.

[A]

Who's a slimy little common a shit twinkle toad down here who just signed his own death warrant. Oh, just like you're gonna ran the van run. I know I was using your word. I was being a silly goose, but

[B]

yes, I'm gonna own that van

[A]

with rent. You're gonna rent it with a permanent rent forever.

[C]

Right?

[A]

Okay. So let's see what this best fight card was spent on. That is basically Max out, by the way. Max out. By the way. Max out, friend.

[B]

Okay.

[C]

Oh, that is a problem.

[B]

Yes, I am.

[A]

Got a late fee this year.

[C]

Yes.

[A]

Why Pork? Why? Before she says what she says, a thousand dollars on bullshit in a month.

[C]

Yeah, no, I'm. I'm trying to remember what the late fee was for? I don't remember. Candidly. I have, I think, three total. I don't know.

[A]

Your eyelash is falling off your right eye, inside corner. Oh, it was. It was. It was last month.

[C]

Month.

[A]

Best Buy Interactive Software. What? You buy a best buy for $216.49.

[C]

We replaced his controller and returned it.

[B]

Yeah.

[C]

No, we returned it, though. Yeah.

[A]

Okay. We didn't need to replace a controller. I'm glad you returned it. I'm sure you'll spend it on something else next. $30 and 30.74% interest rate, which, by the way, the deferred interest not that long from now for the first one. So much interest is going to hit this card. It's going to boost it way above the limit.

[C]

It's 300 in January.

[A]

Oh, if it isn't a nice soul. Affirm.

[B]

Klarna.

[C]

One of those.

[A]

Oh, Klarna. She's the Klarna girl. What's your Clara and Klarna girl Tell you what it is. Amazon. Amazon Affirm. TPW Fishing license. Do we need a fishing license if we're complaining about not being able to put food on the table? Is that what the food on the table you're gonna get is fishing?

[C]

No, but we have caught fish and eating it.

[A]

Because you're in Austin. Where are you fishing? Like Travis.

[C]

Lake Travis.

[A]

To fish on Lake Travis?

[C]

Yeah. Fishing license, fish anywhere.

[A]

True. Yes, I've done a lot of. No, I haven't. I've been. No, that was a long time ago. In Michigan, anyway.

[C]

And all water pass is about 40 bucks each.

[A]

Okay. This is a hobby, correct?

[B]

Mm.

[A]

Okay. Why are we doing this if we can't put food on the table?

[B]

Because if you get a fishing license, you can put food on the table. That's not why it happened.

[C]

We were on a trip with my parents to Corpus, and he had a buddy from high school who wanted us to go fish with him. He's a commercial fisherman. Required us to have licenses when you

[A]

couldn't put food on the table. Any chance $500 poles came with us?

[C]

Yep.

[B]

Yeah.

[A]

The answer would be yeah. Pathetic. What is wrong with you?

[C]

That was. You can't.

[A]

You said the credit cards are going up because we can't afford. We're just putting our necessities on it. We're putting our necessities on it. $500.

[B]

The poles were actually inherited from her grandfather who passed away.

[A]

How did you spend $500 on poles, though?

[C]

So we fixed his rods.

[A]

And do we do that when we're unemployed and we're dying.

[C]

We had gotten the inheritance and it was like the week that I lost my job.

[A]

What, the pole fix?

[C]

Yeah, yeah, we fixed. So we fixed my. My grandpa's poles and then we got him fishing rods. And then the. The logic, which rightly the logic is

[A]

you go to Lake Travis now and use these poles and get some fish.

[C]

Was. We have something we can do together when we're broke.

[A]

Carp. Not necessarily tasty, but it's everywhere. And it is still protein.

[C]

Yes, exactly.

[A]

There's also catfish.

[C]

They also grow a lot of our food too.

[A]

What the are we talking about? You're backing further and further away from what you're.

[C]

We're. We're. I'm trying. So we spend a lot on. That's part of the problem is like I try growing.

[A]

How much land do you have in Austin? We have a.

[C]

We have a balcony and I grow a. No, but it's a 20 foot balcony.

[B]

Whoa.

[A]

How much food are you growing? What are you growing?

[C]

So we have tomatoes, jalapenos, onions, potatoes, blackberries, blueberries. Potatoes that could actually do something.

[A]

The rest of that, it's not going to produce much.

[C]

Carrots. It's carrots maybe.

[A]

Okay.

[C]

And we have a community garden in our complex.

[A]

Yeah.

[B]

That has like apples, pears, plums.

[A]

You better eat it all.

[B]

That.

[A]

That's. It's n. Okay, listen, that's just an upcoming payment. Pull up your affirm for me.

[C]

That's Clarna. Do you want affirm?

[A]

Clara Clarno. Great. So I know affirm's coming.

[C]

Yeah, it is. It's worse.

[B]

Okay.

[A]

Why is your screen so nasty creature. Just. What are you doing, lady? Can't you just like.

[C]

Have you seen my skin? That's an impossible battle.

[A]

What? What's happening?

[C]

It just.

[A]

You shedding?

[C]

Pretty much.

[A]

Don't use lotion.

[C]

I do. Daily for three hours. We have three hour routine.

[A]

Yes.

[C]

It's like a whole fucking.

[A]

Okay, you're broken. Why are you with her?

[B]

Because I love her.

[A]

Okay.

[C]

It wasn't like this love was months

[A]

ago either, I guess. $319.83. Looks like you're monthly. Oh, because you got them all in like the 32% interest plan. $32.25. Oh, so I'm just touching all your skin right now. This is nasty. Amazon, Walmart, TikTok.

[B]

TikTok.

[A]

TikTok. Huh?

[C]

I said.

[B]

And you said I'm a pussy.

[A]

It's just dry skin touching other people's dead skin.

[C]

It's not a shirt.

[A]

That's being a pussy.

[B]

Yeah.

[A]

Putting it on my fingers.

[B]

Yeah.

[A]

Other people's dead skin.

[B]

Yeah.

[C]

Moving on to I'd rather be yelled at by TikTok. So that purchase specifically, I can only wear certain fabrics and stuff.

[A]

Of course you can.

[C]

We got them from. If you look at it, it's all shirts from this one company that like, it's a certain like fabric that we know that I can wear. And so it's all that.

[A]

I'm just brushing around skin right now.

[C]

Now you want me to wipe it off for you?

[A]

That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would thought have thought. That's incredible. Check it out. Link in the description below. Stop bleeding out money. Making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders. In one place you can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to calebhammer.com and remember, you still gotta do the work. But do you need this many shirts is the question. Because you are getting that.

[C]

Because I'm.

[A]

Yeah, you're getting a lot of shirts and also paddle boards. All shirts. All shirts. Paddleboards. Well, that was you don't need paddleboards.

[C]

No, I agree with you.

[A]

Oh, you agree with me?

[B]

Then you do it.

[A]

You also got some sage. Does that make your skin better?

[C]

That's vanilla bean.

[A]

Are you cutting off your skin? There's an air pump. Gotta get it for the paddle boards. Probably. And then a lot of shirts. Do you need all that? Well, your Amazon.

[C]

Yeah. The shirts are the one that you see on Klarna though.

[A]

Yeah. How many do you need? One thing in the cart. What's she thinking about? You don't need more fake jewelry.

[C]

I didn't buy it.

[A]

It's in the cart. It's a dangerous place. Okay, well, you got. Yeah. A lot of makeup. A lot of makeup. A lot of makeup. Injection. Pain relief.

[C]

It's for when I get my treatment.

[A]

That one's actually fair. Cat stuff. That's fair. You got a fish oil. Aren't we fishing already, guys? What are we doing on that? Was cancelled. Thank goodness. Gloves for the skin.

[C]

Yeah.

[A]

Okay.

[C]

It's for the cats. Yeah.

[A]

Okay. Now there's too much cat stuff. You're getting too many toys if you can't afford to put food on the table. We're not getting that many toys.

[C]

Yeah.

[A]

Okay. Way too many things, guys. We're getting. How many gloves do we need?

[C]

I have a lot. I have. Why I think you're back.

[A]

You don't need kitchen aprons.

[C]

I think that you're backpack.

[A]

You don't need kitchen.

[C]

No, I agree. I think you're back past when I lost my job. Job.

[A]

Even still. This is insane. You guys didn't have a fully funded emergency fund.

[C]

We do. We did at the time.

[A]

Not fully funded. 12. 12 was enough. I don't think so. If you're not able to survive right now for $4,000 and 12 was not enough for a fully funded emergency fund. That math's not mathing. Your rent alone is 1800 bucks. Which is crazy, by the way.

[C]

Yeah, for.

[A]

He wasn't working that entire time and you allowed to have a 1800 dollar.

[C]

Well, I paid all of that myself. Fine.

[A]

Three hour routine. To make it sound worse, when you told pre production earlier that it was an hour routine. Routine.

[C]

Well, I do it multiple times a day.

[A]

So three times a day. Ocean, the post show. Please don't.

[C]

No.

[A]

Okay. Yep. Give me that.

[C]

Affirm.

[A]

Which is where all the Amazons. Which was honestly, mostly. I'm being honest. There's a couple things. Then the medical thing was good cat food. I understand. Endless amount of gloves and cat toys and aprons and. And. And the gloves are for 1,289. I know. You have, like, a thousand pairs.

[C]

This is bad.

[A]

$1,289.95. Okay. And I'm trying to figure out the minimum.

[C]

Do you want me to wipe it off?

[A]

Why didn't you do it now?

[C]

Because I forgot. We're just.

[A]

I'm trying to figure out. You can tell I don't use these apps, man. The only times I do is honestly, I'm afraid if you touch it, it'll get nastier. Okay. I'm trying to get. Get to, like, your purchases or something. Okay, wait, wait, wait, wait.

[C]

It's at the bottom on the homepage card. It would be under, like, manage.

[A]

Manage. Yeah, that makes sense. Okay. And your minimums. Okay, okay, okay, okay. $231.13. Okay, good. Oh, hopefully we have an Amazon card on top of it. Great, Great. Why do you have all the credit cards and he has nothing?

[C]

He doesn't have credit. His credit was a 4, according to Lindsay. I found that out before the show.

[A]

What is wrong with you? In life, you suck. Yeah, you suck. Go live in a cave.

[C]

He'd probably love that.

[A]

Yeah, he has the brain of someone who lives in it.

[B]

Honestly, I would prefer to live in the.

[A]

Couldn't have your apex there, though, buddy.

[B]

That's fine.

[C]

It.

[A]

I could have work a second job. Job.

[B]

Why would I work a second job if I'm living in a cage?

[A]

More money. Because you're on unemployment and you're maybe in the future wife can't work.

[B]

That's why I'm trying to own a business.

[A]

Oh, buddy. Owning a business means money. And dude. Oh, he's. He's.

[B]

I got that.

[A]

Just meant he is, so. He is so. If he thinks that's his way out. Businesses take forever to actually be able to bring home a decent profit. Forever.

[B]

I'll say. My boss says he's been at it for a year and a half, and he's bringing home, like, 200 grand at the end of the year.

[A]

That's why it sounds like an mlm, because everyone has all these sales techniques to try to get you to do it.

[C]

Yeah.

[A]

Then the commission thing is kind of weird.

[C]

And it's weird that it was 1300 when you first started, and now it's like, well, 500 on bad weeks, it's like, well, that doesn't help me manage the budget.

[A]

Yeah. Yeah. Okay, so $1,474.84 minimum monthly payment. $80.31. $33 of interest, fees being added. Why Purchasing on a card that we can't pay off that takes seven years to pay off.

[C]

We had to put the car on it.

[B]

Huh?

[A]

Your vehicle from. From Drive. Drive.

[C]

We had not. Not the whole purchase.

[A]

No, it was Prime Video. Prime Video. Oh, we react in movies and getting prime video when we can't put food on the table. According to you.

[B]

Huh?

[A]

Huh? Someone please inform me. Me, inform me. I must be, because I'm confused.

[B]

Just better be entertained and broke than just broke.

[A]

But you wouldn't be as broke if you weren't spending as much money on entertainment. Also, you already have Apex, so it's free. That's.

[C]

We also have all of our family subscriptions to every other platform.

[A]

Oh, buddy, stop. You guys suck. And being told you're resentful about his job situation. Why? And that you want to go back to school or fund one of your businesses, which again, I don't think you can handle either of those.

[C]

I do that on this side of a full time job. When we were on our like interview thing, he had said that we didn't know that it was rented. He hadn't asked his boss. He was saying that there was a down payment and like we would pay for a van. And I was like, out of all the things, like, I've designed my own card game. Like I've. We've done a lot that I would love to invest in that we've talked about investing in and we're not. And then it's like, I'd love that you finally found something. But I mean, it's not like you've been attempting to have a business this whole time. And it's. I want to support you, but I also want you to support other things too. Not now when we don't have money, but like, you know, for the last three years you've watched me try to start businesses and basically like, that was just not an option of, of something you participated in, you know, or like wanted a part in or invested in with me or anything. So I am a little. I want to support you no matter what. I want you to be successful because I need you to be successful so we can have a future. But also, yeah, it kind of sucks that we're. I'm gonna full support you in this and of course I'm going to. And it's not. Doesn't go.

[A]

What if every sentiment builds and builds and builds, builds and blows up though? Because that's a new reset, man. He's only just found this thing, then

[C]

we end up on financial audit.

[A]

No because that hasn't happened yet. This resentment's barely started. You want to start a thousand businesses. You have your card thing that you talked about. You had a plant selling thing, a stained glass company.

[C]

No, it wasn't.

[A]

You're doing everything that everyone already does. Why can't you do something new in the marketplace that hasn't been done? It's a new card game every 30 seconds.

[C]

Seconds. It's like a journaling. It's supposed to be to help with therapy. I actually designed it to get him to help. To talk. For us to be able to talk. No, he hasn't played it. We haven't played it at all since it was produced, actually.

[A]

Maybe it's not a good business then. A child you're in dead. Child support?

[B]

Yeah.

[A]

What the.

[B]

Yeah, there was a good solid four years that I was off and not doing shit, but I have started paying it down.

[A]

What's the monthly requirement for this?

[B]

I think the monthly requirement.

[C]

What we agree with. With his mom.

[B]

Yeah.

[A]

No, well, no, no. The one on this credit. The one on his credit from the court.

[B]

I think it's like a hundred and something, brother.

[A]

But I typically have been paying 250. Well, let's just do the minimum. That doesn't make sense to do more. He owes in back child support 12891. You're a degenerate piece of. Yes, the is wrong with you? What's wrong with him?

[B]

There was a brief period of time.

[A]

Well, you keep alluding to it.

[B]

Brief.

[A]

Say I'm not going to ask questions. So say as much as you'd like to about it.

[B]

I was just doing a lot of bad things with a lot of bad people. Okay.

[A]

It's as deep as you'll go. Okay.

[C]

Yeah.

[A]

Well, you still spend $250 a month the convenience store on cigarettes and energy drinks.

[B]

Yeah.

[A]

Yeah. Maybe that should go to your back. Child support, you failure.

[B]

Yeah, I have paid off a lot of it to my mother.

[A]

Great. Well, I hear about this one on your credit.

[C]

I talked to your mom yesterday and she said that that's already been deducted from this total minus the like thousand that like we've paid from the budget that I made. Yeah, the, the. The lump sum payment that you've been telling me about that apparently is already out of that. That amount.

[A]

Wait, why do we owe our parents 8595? Is that that?

[C]

No, that's part of the car.

[A]

It's additional. The car? What car?

[C]

So I had a car when I entered the relationship. That was Paid off. He got T boned by a driver who ran a red light in the car. It was in insurance. Total.

[A]

Why are you with this guy?

[C]

Dude, no, it wasn't his fault. They were drunk.

[A]

Still, everything else is though, which is insane.

[C]

But we tried to get it as close to like, the insurance payout as possible. We were about like 2 grand off, so my parents let us loan it from them versus a bank with interest and stuff to help us out.

[A]

Good. Yeah. So do you have a minimum for this? 8595.

[C]

No, they. They said they would love progress on it and we. They know we're here and like, the. The goal is to come up with a plan that we can present to them we've paid off.

[A]

You spent a thousand on bullshit last month. Like, it doesn't work.

[C]

Work then. That's why we're here. It's just. Yeah. So two grain of it is bills. There's a line item somewhere.

[A]

Bills. Good. Well, you spend a thousand dollars a

[C]

month on the car bill is the two grain.

[A]

This is so stupid. It's so pointless. You. You didn't need to be in the situation. Not as. At least not as bad as you are now.

[C]

Yeah.

[A]

And you should work two jobs. And yes, you should go back to fast food if you need to get another job. I be pathetic worm. Tax guy. 350 bucks.

[C]

I got a.

[A]

Do you have him up front in the back?

[C]

No. Yeah, it's. It's back.

[A]

You have minimum with him or just lump sum?

[C]

It's just 350, dude.

[A]

Why didn't you.

[C]

It was for three grand. It's due now.

[A]

You hired his services. Why didn't you pay him?

[C]

Yeah, it's due. It's due now. It's not that I need a tax guy W2, because I have a lot of things. Things that are written off from the contracting and stuff or contracting. So like any marketing clients I pick up or anything like that.

[A]

How much money did you make from that last year?

[C]

Probably maybe 10 grand. It wasn't bad.

[A]

It was just a couple more of that.

[C]

Yeah, I'm. I'm working on that. I have all my.

[A]

And then you have a payday loan, Mason.

[B]

Yes.

[C]

I didn't know about that.

[B]

Eight years ago or something.

[A]

Our collections.

[B]

I have no idea.

[A]

It's from eight years ago. Would it be. Well, you just said it. We didn't see it.

[B]

No, yeah, I have.

[C]

He said it in the phone call yesterday. I have never heard about it.

[A]

But we've never seen it.

[B]

Yeah.

[C]

Didn't show up in his credit either.

[A]

Your credit score is actually four.

[B]

Yeah.

[A]

I didn't know that was possible.

[B]

I didn't either. Honestly.

[A]

What? That's insane. You suck at everything involving life.

[B]

Yes, I can agree to that. But not everything. I still think I'm a pretty decent ASAP player.

[A]

Take that off again.

[C]

No.

[B]

What?

[A]

Take it off again.

[B]

What? You just. No.

[A]

Oh, okay.

[B]

Yeah. Literally everything except Apex.

[C]

I'm not sure you're as good of a player.

[B]

I was thinking about it, but it's

[A]

time to finish your thinking and do

[B]

it so much worse.

[A]

It is not.

[C]

We have done it before. It is worse.

[A]

It is not. It is not. You guys are just used to that.

[C]

That could be true.

[A]

It is not. It is actually 4. That is an actual screenshot. His credit score is 4. That's crazy. I've never seen that before. That is crazy. How do you fix that?

[B]

I didn't even know I had that.

[A]

Yeah. I'm gonna make you call the parents in the post show and I want to hear their perspective here. This is insane. Then here's the checking account. It's all bullshit spending. Who's Wells Fargo? Who's Wells Fargo? What the is wrong with you if you're the one crying to me all

[C]

of our money comes out of my. My accounts.

[A]

You're the one crying that you can't get food on the table. Crying that you're blowing through the 12 because of life's necessities. You half price books go yourself.

[C]

No, I sold those. So I don't give a.

[A]

You spent the money regardless. You're the one that chose to have the car shut the up for a second. Netflix, Amazon, Doordash and Subway. It was all groceries. She said earlier. I said we'd see $50 to DoorDash. Subway.

[C]

Uh huh.

[A]

Home Depot. 27 bucks. Michael Storrs. You have to do that. $25. You Home Depot. Home Depot. Door dashing. There was actually groceries. 50 bucks. Paying extra for it, by the way. To do that. Ultra human Home Depot. Going there all the time. Doordashing. Double, double, double place. 150 bucks. Looks like a restaurant. Apple cash. 10 pink cherry nails. We're going and getting our nails did when we're training our emergency fund. That's like an emergency fund.

[B]

That's actually a necessity. No, no. Yes, it is actually a necessity.

[A]

Hey, go kill yourself in Minecraft. That you're. That's not. She can do a little.

[C]

No, I can't. It'll turn my nails green. We did that.

[A]

Okay. You don't need nails. Then you're unemployed. Shut the up. No, this is not an emergency. For survival. You know what emergencies are Survival.

[B]

It is a necessity list.

[C]

Just. It's not what you're really. It's not.

[B]

When she doesn't have nails on, she will like gouge her skin open.

[C]

My skin. So fragile.

[B]

Because of her skin being as fragile as it is.

[A]

Stop edging. I can't. Yes, you can.

[C]

No, no, no. I can't.

[A]

Oh my gosh. Dude. People with OCD get their behaviors under control with coping mechanisms.

[C]

It's not.

[A]

You are not the only person in the world that has that struggle.

[B]

That's what the nails are. It's a coping mechanism so it doesn't tear her skin up.

[C]

Could it be cheaper? Absolutely, yes.

[A]

Wear gloves all day.

[C]

I don't know.

[A]

You're not the only person that deals with the bad habits.

[C]

It's not just. It's the skin. It's not.

[B]

I know.

[A]

Isn't it bad to scratch it regardless?

[C]

Yes.

[A]

So stop.

[C]

I'm trying. It's hard.

[A]

You need acrylic, but you don't need the fancy designs.

[C]

That is true.

[A]

I can stop with the stupid spending. You're in emergency mode. Amazon, Amazon Doordash, Doordashing, Chick Fil A. Oh, it was all for groceries. You Amazon, Amazon, Amazon Ring Multi Plan.

[C]

Maybe we had a bunch of break ins in our complex.

[A]

Well, great. You're spending 1800 bucks for that move.

[C]

Yeah.

[A]

Doordashing rambles again. But you're paying a premium for it then. Doordashi, Chick Fil A, Amazon Prime Video, Tick Tock Shop for. Oh, and there's more nails getting did. Pizza Hut, Tick Tock Shop Prime Video, Uber in.

[C]

That was to the vet for an emergency.

[A]

It's all except for that. It's all you. Are you Chase?

[C]

We're both Chase.

[B]

Oh Yeah.

[A]

We're both 86 in here.

[C]

That's probably mine.

[A]

Then we're getting like. I don't know what this change thing. It's highlighted though.

[C]

It's our savings. So he didn't actually know.

[A]

The only way that I Brightcom. Oh, wait. Bring it.com.

[C]

bridget, that was like a short term loan, but we don't use that anymore.

[A]

Oh, I hope not because that just happened. And we're overdrafting multiple times this year so far. No shock. I don't know why we would have money going into savings if we're overdrafting. Stupid. And is this the savings? No, but this checking account ended with negative $4.74. But we went to Jessica Hollis park and we went to McDonald's and Academy Outdoor Sports. $100 when we're literally negative in the checking account or Airing Inc. Or a ring Ordering.

[B]

Ordering.

[A]

No cancel the membership.

[C]

I have to have one that no, I don't have to have one. It was recommended by my doctor and we tracked my flares through it. He wanted one and so he got it.

[A]

Sold that one you he.

[C]

It's not even active. He just wears it good.

[A]

What's the point? Etsy. That's not necessary. Chick Fil A that's not necessary. That's not Docker recommended stopping inside getting Apple shell yeah, you're stopped and got some Etsy audible OpenAI chat GPT Parchment University docs it might be but no one's in school.

[C]

That was. That was my. That was for me looking into going back to school.

[A]

I needed my goodwill stopping in getting some your energy drink stop. Gamer subs 40 cents a serving with my discount code. That one's free. Get your free samples. Figure out. Figure out what flavor you like with code Caleb. Then get that gamer subs for free. Well, for 40 cents a serving instead of stopping in and getting a like he did for $3.893.89 at Starbucks. Apple Cash piece of 14 hours in this. What's savings at? I don't see savings.

[C]

So it's what's retirement?

[A]

Where's savings? I don't see.

[C]

We don't have savings left over like after we've lost our jobs like in our actual accounts. But this is.

[A]

What do you have? Just tell me a number.

[C]

I'm looking at it.

[A]

I'll get you both course career certifications so you can definitely get on better career paths.

[C]

I don't know what his is at because I just set it up on his phone and I haven't looked at it but mine's at 330

[A]

in retirement.

[C]

I have one 401k that was active for three months and I haven't gotten it from.

[A]

You guys are so.

[C]

Yep.

[A]

$544.69 is your minimum. There's no car payment, correct?

[C]

No.

[A]

Okay. Your rent's 1800. All utilities plus Internet combined. How much?

[C]

Maybe 380.

[A]

Gas. Boom boom. Drive.

[C]

Drive usually. Well, with his new job, probably about 200 for both. We only have one car.

[A]

Car insurance. How much?

[C]

130.

[A]

Car bill, phone bill.

[C]

We don't pay her. No, that's on our parents.

[A]

Six should be able to do actually 500 groceries. You got to cut it tight, right? Co pays monthly basis.

[C]

Anything 120 for him, you 60 for me and the rest. My parents are helping me cover for the flares.

[A]

Subscriptions. Try 20. You got to cut it to basically one. You have pets? We're going to cats. How much? How many?

[C]

We have three.

[B]

Three.

[C]

No, it gets worse. We have four snakes, three cats, and a fish tank.

[A]

Okay, 150 for the. The cats for pet insurance because you can't afford.

[C]

We have 90 pet insurance for all three.

[A]

Enough?

[C]

Yes. Yeah, it covers all three of them. And 90.

[A]

How much for cat food or pet food? Across the board?

[C]

74 every two months and. Oh, all across the board. Then it would be $50 for the

[A]

snakes each month is on top of that. On top of the 74 every two.

[C]

Yes.

[A]

Okay, I'll just call it 75. Call it like 85.

[C]

Okay.

[A]

Okay, now let's call it 90.

[B]

So

[A]

anything else that needs to be in this budget that I have not done? Like gym?

[C]

No, we have a gym through our complex. Let me. I'm pulling up my budget. Hold on.

[A]

Okay, we have. Okay, well, right now, Obviously, you make 2, 500amonth, which is nothing.

[C]

Oh, his health insurance. And my health insurance, not the CO pays. His health insurance is 95amonth. Mine is 130. My dental is 12. His got canceled.

[A]

Okay, so I mean, your budget is likely going to be around 4,200 bucks a month. Then that's. Yeah, with insurance, you, unemployment. I mean, you technically don't only break even, stop shaking your leg, you have an extra couple hundred bucks. 300, but that's done in two weeks. So food stamps will help cover the food bill, but that's not going to be enough to actually. Your rent's way too expensive. Just hopefully if you're actually disabled, which again, I'm just not even going to comment on. If you are, hopefully they approve you because that's what it's for. And you make enough to. To make break even. But you guys just need to focus on breaking even. Then you can go through bankruptcy or something. I don't know. Because right now it's just like once the unemployment's done and if you don't get on disability, you guys will just be negative completely, and it's not really a thing. So the advice is, the reality is you need to go get a second job. You're working at 80 hours a week minimum because bills have to be paid and you're doing doordash as much as you can.

[C]

Yep, I'm working on it.

[A]

And that's it. And you just mean you might just want to declare bankruptcy. You might be able to pay off the. You need to stop spending on the credit cards. But if you guys don't double your income, which is pretty much the only path, which means you double working or getting better at sales or you doing something you can do. But I'm just not going to comment on it cuz I don't know, it makes it impossible. There's just nothing. So meal prepping, meal planning. Yeah. We're on a tight budget as quick as possible. But you need to go work two jobs and you need to work as much as you can in between flares. Are you. I don't know, but I can't comment on it. So that's it, that's the set. Sorry. And bankruptcy might be a good thing, but only if you change your behavior for a few months, improve it or else you'll end up back in the situation in a few months.

[C]

It won't knock off my parents either, huh?

[A]

Nope. But that one doesn't have a minimum payment. Your minimum payments are why you can't survive right now. Okay, all right, listen. We're gonna call the parents to get their perspective. Perspective in the post show. But let's, let's get the same connection score first. We'll get you all the resources again to try to help with all this. But listen, right now you just need to go work. That's it. You got nothing for you just. Well, I can't even comment. So not informed enough. Spending in a budget. You overspent. 0 out of 10 debt, family debt, collections and okay, 0 out of 10 emergency fund, nothing anymore. 0 out of 10 retirement, definitely nothing. 010 real estate.

[C]

Nothing.

[A]

0. 10 hammer finance financial score. 0 out of 10. As you predicted. Get [e-mail] now. Click that join button. Join the best membership on YouTube. Three premium shows posted every single day, six days a week called Hammer Elite where you get to watch an extra 20 minutes of this episode where we're going to call the parents, get their perspective called the financial auto post show. See you there. Call the parents, think through.

[C]

They don't know what any of this.

[A]

They're struggling, right? They're struggling. You have to help, right? No. So I heard mom say no in the background. Have you ever up in your life

[C]

with my choice in men?

[A]

That's crazy. That's actually a crazy answer.

[C]

Are you really thinking, are you really at your breaking point where you might leave this relationship?

[A]

I just launched the brand new Hammer Elite app available on every major platform to celebrate the app launch. I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.