The Most Hated Couple In Financial Audit History

Summary

Financial Audit Podcast: "The Most Hated Couple In Financial Audit History"

Host: Caleb Hammer
Guests: Hannah (26) and Mark (23) from Spokane, Washington
Date: August 18, 2025

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Episode Overview

This episode dives into the chaotic financial lives and relationship dynamics of Hannah and Mark, a young married couple described by Caleb Hammer as perhaps his most frustrating guests to date. With a combined debt topping $60,000, chronic underemployment, poor money management, and unfiltered repartee, the conversation exposes not only their financial struggles but also deeper issues of accountability, personality clashes, and mutual enabling. As usual, the discussion is frank, unvarnished, and bordering on combative—equal parts hard advice and jaw-dropping disbelief.

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Key Discussion Points & Insights

1. Employment Situation & Income Streams

• Hannah:
  • Full-time DoorDash driver, working 40-70 hours/week (though claims were disputed by the host, who flagged exaggeration).
  • Net weekly income: $500–$700 before expenses; approx. $1,600/month after accounting for gas and maintenance.
  • History of transient jobs: quit McDonald’s four times, worked at a taco stand, and briefly at Overstock.com’s call center.
  • Hopes to start a part-time McDonald’s position again, aiming for full-time later (state minimum wage: $16.66/hr).
• Mark:
  • Unemployed; claims VA disability for a traumatic brain injury (TBI) incurred during military service (Army National Guard, not combat-related): $2,489.96/month, rated at 90% disability.
  • Previously worked as a detention deputy; left after worsening head injury following a car accident.
  • Considering an online certification in accounting through Course Careers.

Memorable Quote:

"You make more permanently forever for the truck driving than you do driving the car on a monthly basis."
– Caleb (05:23)

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2. Relationship History & Dynamics

• Together less than two years; married recently (approx. 7-8 months).
• Frequent, sometimes hostile jokes at each other’s expense; Mark is mostly quiet, Hannah is boisterous, and Caleb is openly critical.
• Both admit a pattern of rushing into relationships and struggling with personal boundaries.
• Caleb repeatedly criticizes Hannah, urging Mark to divorce her on multiple occasions.

Memorable Exchange:

"You need to leave her."
– Caleb (65:04)
"I ask him why he hasn't."
– Hannah (65:02)
"What's your answer—desperate?"
– Caleb (65:08)
"No."
– Mark

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3. Debt Analysis

• Total debt: Over $60,000, primarily from credit cards, personal loans, car loans, and a camper.
• Credit usage: Multiple cards maxed out or over limit; several late fees and interest charges accruing.
• Notable examples:
  • Quicksilver Card: $4,174.82 balance, $144 minimum/month, maxed out since early 2024.
  • Personal loan for Christmas gifts.
  • $9,829 owed on a defective camper.
  • Car loans on vehicles worth less than owed ("dramatically underwater").
  • Owes $5k to Hannah’s grandmother (from a totaled car), $500 to family for insurance, and money to friends.

Memorable Quote:

"You're negative $11,465 in equity. But I'm gonna drive that thing until the wheels fall off."
– Hannah (80:35)

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4. Spending Habits & Money Management

• Both engage in "retaliatory" spending:
  • Hannah overspends on going out to eat and personal care.
  • Mark makes tit-for-tat microtransactions in games as "revenge" when Hannah spends.
• Lifestyle choices:
  • Over $1,700/month spent on fast food—more than is made from DoorDash.
  • Every dollar is accounted for—either in minimum debt payments or non-essential food.
  • Excuses for spending range from "exhaustion" and health issues to lack of planning ability ("quarter life crisis").
• Poor or nonexistent budgeting:
  • No clear or constructive financial conversations.
  • Frequent lying and obfuscation about actual hours worked and money spent.
  • Both lack long-term financial vision and preparation for emergencies or retirement.

Memorable Moment:

(Caleb reviews Hannah’s spending from DoorDash income and finds it almost exclusively spent on fast food, sometimes at the same chains she delivers for.)
– [See 87:00–89:20]

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5. Family & Upbringing

• Hannah, only child, is the sole inheritor of her grandmother’s approx. $600,000 estate, though distribution is complex and years away.
• Mark is estranged from his mother after being kicked out as a teenager.
• Both sets of parents/families are enabling financial irresponsibility (e.g., Hannah’s mother buying her tires, grandmother forgiving debts).

Memorable Exchange:

"Disown her. Take her out of the will, make her fight for it, make her learn things. You’re enabling her. You don’t give a s*** about anything."
– Caleb (84:20)

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6. Mental Health & Addiction Issues

• Both openly discuss ongoing struggles:
  • Hannah: Addicted to nicotine from an early age, admits to regular substance use and mental health crises.
  • Mark: TBI affects concentration, sleep, and mood; struggles to hold traditional employment.
• Attempts at therapy have been inconsistent and generally unsuccessful.

"It’s not about how do I fix the spending, it’s how do I fix me."
– Hannah (52:55)

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7. Host’s Perspective

• Caleb is unusually scathing, at times cutting off guests and openly expressing both frustration and disbelief at their choices, personalities, and lack of progress.
• Frequently questions whether to cut footage to keep listeners from clicking away, citing unprecedented insufferability.
• Repeatedly advises Mark to leave Hannah for his own well-being and depicts both as the archetypes of financial mismanagement.

Notable Quotes:

"She is one of my least favorite people I’ve met in the three years of doing this show."
– Caleb (54:00/65:11)
"There’s no budget that fixes it. You spend all your money that you make just — just alone. On minimum payments. And then you spend all the money you make even more, practically how much you make, on just going out to eat."
– Caleb (91:00)

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Notable Quotes & Memorable Moments (With Timestamps)

• [02:40]
  "Because we're in debt and I haven't been able to get another stable job." – Hannah

• [05:39]
  "90%?" – Caleb, incredulous at Mark’s VA disability rating.

• [15:40]
  "What did you attach yourself to here?" – Caleb questioning Mark on why he stays in the marriage.

• [19:54]
  "Stressed about what? Because you don't have money, because you don't work, because you don't have a job. And by the way, ... the amount of hours that you suggested you're putting in at door dash ... it's hyperinflated." – Caleb

• [24:00]
  "This is what he said in the pre interview, quote, direct quote: 'I was interested in two things. Alcohol and p**y.' And you had two. And you had one of them in regards to her."* – Caleb, reciting Mark’s pre-interview comment.

• [40:06]
  "You guys categorize DoorDash as essential in your budget." – Caleb, highlighting their flawed priorities.

• [52:55]
  "It's not the how do I fix the spending, it's the how do I fix me." – Hannah

• [54:00/65:11]
  "She's one of my least favorite people I've met in the three years of doing this show." – Caleb

• [65:04-65:08]
  "You need to leave her." – Caleb

• [91:00]
  "There’s no budget that fixes it. ... You guys are completely immature. You need to separate. You're enabling each other. Your parents have raised a horrible child and they're enabling the out of you. Grandma should make sure you don’t get a cent. What a joke." – Caleb

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Timeline of Important Segments

• 01:26 — Introductions and work status.
• 02:40 — Hannah details DoorDash hours and motivations.
• 05:02 — Mark explains VA disability.
• 08:03 — Discussion about Mark's transition out of military/work.
• 12:58–13:28 — Hannah talks about potential inheritance.
• 19:54 — Caleb confronts Hannah about lying to producers and lack of financial honesty.
• 24:00 — Mark's pre-interview quote about reasons for marrying Hannah.
• 28:14 — Reality check with their actual monthly spending ($7,184) far exceeding income.
• 40:06 — DoorDash categorized as an "essential" (fast food) expense.
• 52:55 — Hannah addresses underlying issues ("fix me, not just spending").
• 65:04 — Caleb urges Mark to leave Hannah.
• 79:55–81:38 — Review of car/camper loans, chronic underwater debt.
• 84:20 — Caleb calls out Hannah's grandmother for enabling.
• 90:50 — Breakdown of how nearly all disposable income is spent on takeout.
• 91:00–92:13 — Caleb summarizes the hopelessness of their budget and relationship dynamics.

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Final Thoughts

This episode of Financial Audit is a window into self-sabotage, justified resentment, and intra-couple enabling. Caleb Hammer’s tough-love approach is harsher than usual, reflecting his clear frustration with Hannah and Mark’s refusal to face their issues—financial and otherwise. The episode's key lesson: No amount of budgeting tips or interventions can help those unwilling to take accountability and change fundamentally unhealthy patterns, both with money and relationships.

For those who haven’t listened, this is a confrontational, often uncomfortable, but ultimately educational look at what NOT to do in personal finance—and, perhaps, in partnership.

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If you’d like to take your own ‘Financial Audit’ score or learn more, visit calebhammer.com or Dollarwise.com.

Transcript

[A]

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[B]

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[C]

She's usually not this bad.

[A]

I wasn't this bad before the quarter life crisis.

[B]

She's one of my least favorite people I've met in the three years of doing this show.

[C]

I knew you were going to say that.

[A]

I say it's a little bit of a compliment.

[B]

I'm talking. I don't really care. I have to be candid. You're very unpleasant. You need to leave her.

[A]

I ask him why he hasn't and.

[B]

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[A]

Hi, my name is Hannah. I'm 26.

[C]

I'm Mark and I'm 23 and we live in Spokane, Washington.

[A]

And this is Financial Audit.

[B]

Welcome down to Austin guys. Thanks for coming in Hannah. You're the one in front of me. So let's start with you. What do you do for a living.

[A]

In Spokane right now?

[B]

Love birds. Look at them. So cute. Very good.

[A]

Right now I doordash basically full time.

[B]

Full time. You're 40 hours a week, give or take.

[A]

So the active time versus dashing time. Active time means an order. It is in my possession. I'm taking it to them. That's roughly 35.

[B]

Are you putting in 40 though? You yourself out there grinding? Okay, very good.

[A]

50 to 60.

[C]

Yeah, it gets up to 60. There was one week, a couple of weeks actually in the past couple months that it's gotten up to 70. She's out of the house 10 hours a day.

[B]

Why? I mean that's can be good, can be bad. I don't know if we're making here.

[A]

I'm coming out of the Gate with it. So yeah, yeah, I'm doordashing like 40 plus hours a week.

[B]

Why, why, why are we putting so in so much?

[A]

Because we're in debt and I haven't been able to get another stable job in our home or in our town, Spokane.

[B]

Honestly don't know much about it, to be completely honest. Tell me what's what, what's coming in on a weekly monthly basis with this amount of hours that we're putting into this job.

[A]

Weekly basis, anywhere from 500 to $700.

[B]

But that's before all expenses, right? Any man, unfortunately.

[A]

And we drive a Ford Explorer.

[B]

It's one car.

[C]

Technically we have two, but my cousin leases the second car for me.

[B]

Okay. Miles in the. On the Ford in year.

[A]

We've had it for less than a year.

[B]

What is the year of the car?

[A]

Oh, 2017.

[B]

Okay, and what's the miles on it?

[A]

I think we're somewhere just short of a hundred thousand, maybe ninety thousand.

[B]

Okay, so all for over a hundred net. No, we're not like net after everything. After gas, all this stuff. Four to five hundred a week probably. But stacking more maintenance and miles on this car. Okay, okay. And having a hard time finding a stable job. Okay, sure, sure, sure, sure.

[A]

The last real job I had was.

[B]

At a job, but it's not.

[A]

But well, the last job I had that was like somebody else writing paychecks for me, not door dash was part time at a taco stand. And it was like 25 hours a week starting out.

[B]

Obviously not enough. Okay, so you're making sixteen hundred dollars a month net before you said anything aside for any of the self employment taxes, all that good stuff. Okay. So I'm hoping you make money. What do you do, Mark?

[C]

I'm unemployed.

[B]

Oh. Oh, she finds that amusing, Mark, that you guys are on the edge of poverty. Oh, she continues to find it amusing.

[C]

Well, I get disability from the va.

[B]

Okay. And it's. Hold on. But I'm not against it. It's the fact that literally every single person that's ever served in the history of this show gets disability, which is very interesting. And the fact that there are people out there that coach you on how to get higher ratings of disability seems to be a flaw in the system. Whereas there are people who have actually been injured serving more than most of.

[C]

The people that go to those coaches. And I've never talked to any of them.

[B]

Well, you've never personally. That's anecdotal when we're talking about the industry as a whole. What was your service I was a.

[C]

Truck driver in the Army National Guard.

[B]

And how much do you get from this forever?

[C]

It's just short of 2,500. It's 24. 89. 96.

[B]

Okay, so make more permanently forever for the truck driving than you do driving the car on a monthly basis. Okay, so what do you rate it at?

[C]

That is 90%.

[B]

90%?

[C]

Yes.

[B]

Jeez. Okay. F sake. And how many years did you do that?

[C]

Technically I'm still in, but I'm in the process of getting out because of all of the disability stuff. But it's been four years.

[B]

Okay, so why are you unemployed last month? Because you're disabled?

[C]

For the most part, yes.

[B]

Because that would actually be a real reason for disability. Reminder, basically everyone also that's been on permanent disability forever also has a full time job. Meaning that. Okay. They're clearly.

[C]

Yeah. No.

[B]

Able to do some things.

[C]

So the main thing that I.

[B]

That's not the only reason people can get disability, by the way, is because they can't do things.

[C]

But the main thing that I'm disabled for is I got a traumatic brain injury.

[B]

Why.

[C]

I was about 10ft up in the air and landed on my head.

[B]

Doing what? You're supposed to be driving trucks.

[C]

Had nothing to do with the actual job.

[B]

Oh, good. Yeah. Oh, that's wonderful.

[A]

And that's what we do. We get that money now.

[B]

Yeah. Are we doing.

[C]

I'm trying to get it up to 100 because of course.

[B]

You are sure of. Why not? Instead of getting a job. That's great. Okay. I have. Well, you have permanent brain disability now. But just because something happened. Lawyers. Oh, my gosh. People are trying to get disability for acne now that they got in the military. It's crazy. Okay. Okay. Sake. Oh, boy. And it had nothing to do with the actual job he had. That's wonderful. This is so good. This is so good. I'm thrilled you guys were paying so much in taxes. Like 2% of the federal budget. My goodness. Well, there are veterans starving on the street and don't have anything that actually got injured in the service of the job that they were doing. What the are we doing? Oh, my gosh. Okay.

[A]

Can I give you one anecdote?

[B]

No. So you can't do any other job.

[C]

I have issues standing up for too long, and I will get let down.

[B]

Because of that thing that didn't involve the job you were actually doing. Okay, it did. So what is can't stand up? So are you able to set it a desk? Are you able to do things? I want to make sure you at least find value in the rest of life that you're doing.

[C]

That's something that I've actually been looking at with the show and stuff. With your course career stuff that you do.

[B]

Yeah, we can get you a course career certification for sure, but. Okay, that's obviously not.

[C]

I want to.

[B]

What are you trying to do?

[C]

Based on what I've looked at on course careers, I would love to do accounting.

[B]

Okay, yeah, let's do that. That's a good place to do it now. I understand. Okay. I don't play. But you're technically still in service. You're just on your way out. What are you making in this? Because I said I'm okay with that little transition period. I'm not freaking out about that. When you say unemployment, I'm like, oh, why doesn't he have a job? Well, she also doesn't have a job. What the fuck is going on? You're in that transitionary period. I'm okay with it. And we should help people obviously transition from the military into the private sector, but either way, how much were you making?

[C]

So since it was just the National Guard, it was only a couple hundred bucks a month.

[B]

Oh, wait, yeah, that's right. So this was not full time?

[C]

No.

[B]

Did you have a job? When's the last time you've had a job?

[C]

Last year.

[B]

23. Okay.

[C]

Last year I had a full time job.

[B]

Doing what?

[C]

I was a detention deputy at one of the local jails.

[B]

Okay. Why weren't you doing that anymore?

[C]

Because.

[B]

Stand. Probably not.

[C]

So my head injury got worse and I ended up hitting some ice and drove a car into a lake.

[A]

Three weeks before our wedding?

[B]

Yeah.

[C]

Ever since then the head injury's gotten worse and so I haven't.

[B]

What treatment is there? I don't know.

[C]

Trying to manage it with medication and stuff. That's the best of you.

[B]

Need to step the up. You're married. Why aren't you doing at 26? No offense. Because you offense.

[A]

Well, in my defense, I am gonna be dropping the McFry's.

[B]

Okay, so you're putting the fries in the bag soon. Doing. But what does that actually mean to you?

[A]

That means I'll have secured full time.

[B]

Like actually McDonald's?

[A]

Yes. Oh, actually McDonald's for my fifth time.

[B]

This your fifth time at McDonald's?

[A]

Yes.

[B]

Okay, so when I said step up, I actually meant it. Not this. Okay. What the are you guys?

[A]

I don't know. I'm only child. So Mommy and daddy.

[B]

What does that mean?

[A]

Might have spoiled me a Little too much. I'm an only child and then I'm the youngest grandchild and the only grandchildren.

[B]

Um. Oh, how long have you guys been married? Are there kids?

[C]

No kids. We got married last November, so seven, eight months now.

[B]

Okay.

[C]

It was end of the month, so.

[B]

Okay. Last November. Okay, good. Congratulations.

[A]

Also, there's a little bit of a reason I haven't been super able to.

[B]

Communicate in this conversation.

[A]

Yeah, that too. But no, I haven't really worried too much about putting away for retirement or anything like that and just kind of been coasting.

[B]

Cuz you're a single child.

[A]

Yeah, yeah, on my mom's side. I am actually. Yes. On my mom's side I'm the only grandchild and my granny has 22 acres and roughly a $600,000 estate.

[B]

Okay.

[A]

That I'm the sole inheritor of.

[B]

It goes Grandma. Well, go see your mom. Yeah, she gets nothing.

[A]

Exactly. 15 years, so 75.

[B]

Your mom gets nothing. 76 would be the math.

[A]

Yeah. No, mom and uncle, they get stuff. They're not the Sony. Well, they get stuff and then it goes straight to me because my uncle never had kids.

[B]

Gabba Jungle's alive. So he gets some.

[A]

Yeah, he's going to have some of it too. But there's a, like there's a $40,000 life insurance policy that's going to come straight to me when. When, when Granny. That, that, that.

[B]

How's her health?

[A]

She had a stroke. Her heart is afib. She' and still eats a ton of sugar. Lover. But part of the reason I took so long to move out of my hometown was because I was worried that my grandparents are going to die soon.

[B]

Okay, so I mean, you. What if it's put in third across from everything? I don't know what's going to happen with the property, but it's a weird thing to bake on. Let's say you get $200,000. That's nice. That could be in 10, 20 years though. We don't know.

[A]

Could be one fully set up adults that have property and things like that.

[B]

Yeah, but they still like. What do you mean? They have more probably nostalgia. The daughter and son.

[A]

But they didn't grow up.

[B]

Yeah. Okay, well, it's still their parents, but have they given it up? So what the are you talking about? What are you. What are you. What are you asking?

[A]

There, there was literally like a financial planning.

[B]

Have you seen. Okay. And what?

[A]

Yeah, there. So there was a financial planning meeting and my mom and my uncle discussed like, you know, right now there's no plans to sell the property, but if it did, it'd go 50. 50 between the two of them.

[B]

Okay.

[A]

A bunch of stocks and investments and stuff.

[B]

600,000. Not a lifetime.

[A]

No, not a lifetime. But they've basically said once I prove myself, I could have access to that. To like.

[B]

Yeah.

[A]

Or in a business or something.

[B]

Like maybe $200,000 of it. Which is not insignificant. Actually. It's an incredible amount of money. Not enough to retire on. Not even close. Pay off debt. Sure. Down payment towards the house or chunky down payment. Absolutely. Maybe. But also, you know, potential tax implications. Who knows? And who even knows what they're going to keep or how this is. I feel like you're not able to speak on this.

[A]

No.

[B]

Probably not adequately for what the actual distribution looks like between their kids and then what goes to you.

[A]

But that not your grandparents.

[B]

Kids.

[A]

There's only two of them.

[B]

I know. So what goes between them and what goes to you?

[A]

Like they both love me.

[B]

I'm sure they love you. It. Is it a. But is it a three way split?

[A]

No.

[B]

Are you talking about. Okay, well, she. She doesn't know what the she's talking about, so I don't know why she's even gapping about this, but. Great. There's your retirement plan. My guy. I can't work because you're injured. And I'm sorry about the injury.

[C]

I have some retirement.

[A]

He's actually smart.

[B]

No, his brain's broken. Okay, so listen, how do you feel about having a wife that is seven months into wifedom? How long are you guys before together? Before? Is that a joke too? My gosh, we laugh at everything. Okay.

[C]

Like eight months.

[A]

My mom actually got really mad when I told her that we were getting married because it was roughly the same amount of time that it was.

[B]

I'd be more mad if I was. I'll be honest.

[C]

My mom has no opinion.

[B]

It's.

[C]

It's. It's just she's not up.

[A]

Even if she had an opinion, her opinion would be irrelevant.

[B]

Okay.

[A]

You hate her for justified reasons.

[B]

What?

[A]

Can I say it?

[C]

Leave it at this. I got kicked out when I was like 16 and moved in with my grandparents.

[B]

So you hate her.

[A]

I hate her guts more than he.

[B]

Okay, whatever.

[C]

I just tried to leave her out of the conversation.

[A]

He's in.

[B]

Okay. What I've been trying to say for these past few minutes, except you guys are miserable to be around, is the fact that how do you feel that you are unable to work because of an injury that I feel sad about that Is that sucks. And your wife is kind of absolutely in unable to provide in any way whatsoever. She's gone and quit this job five times. She's going to be food service forever. Not hating food service. Well, what the are we doing? She's not going anywhere. The what did you attach yourself to here?

[C]

Personality.

[A]

Somehow he likes me though.

[B]

It's cuz he has a brain injury. We've been through this.

[C]

I've said it myself.

[A]

Is it bad that we literally talked about it relatively? I think it was last night. Like if we.

[B]

I don't care. I do not care. I don't care. I don't give a. I don't give a f, dude. I don't give a fuck. Okay, so what is going on in your guys lives? What's your conversations around money and your lack of it?

[C]

We pay whatever we can with what I get at the beginning of the month. And then as the month goes on, any bills that come up, she doordashes like crazy to make them up.

[B]

Okay, what are we spending money on? What are the conversations? What are the conversations? What's the knowledge of knowing and what is going on?

[A]

I really need him to stop getting mad at me for what I'm spending on you then retaliating.

[B]

Does that mean. What is your. What is this? Fine. What is his retaliation?

[A]

His retaliation is microtransactions on the Google Play store or on Xbox Live.

[B]

What are you getting? Why? What? And it's retaliatory.

[A]

Yes, retaliatory.

[B]

So she spends and then we're like I'm going to retaliatory spend. I thought you were the financial sane one. Isn't that what you established? Would a financially mature individual have retaliatory spending when we have. Oh, by the way, none of which being any appreciating assets. $56,521.66 of debt. Bad debt, no good debt, Nothing benefiting you whatsoever. And were retired Tory spending. What the are you doing? What is that? First of all, why are you still spending when you don't have a job and you're unable to provide it? You've quit McDonald's five times. Great. Yeah. Thanks for participating in this relationship by your spending. But then the retaliation. What's the point?

[C]

I still do half of what she does.

[B]

Huh?

[C]

I still spend half of what she does. If that.

[B]

So this is where the conversation then goes again. What the is your conversation like when it comes to money, how do we communicate? What does it look like? Walk me through an example. Have a financial conversation. Perhaps Go on. So you learn about a spending. What kind of spending there is? Or what do you learn?

[C]

She goes out and spends stupid money on.

[B]

Wow. Oh, okay. Okay. And then walk me through that conversation.

[A]

Usually. Okay. So part of it is with his tbi, his sleep schedule is all funky, wonky.

[B]

That's the traumatic brain injury.

[A]

Yeah. So his sleep schedule sucks. I sleep on a relatively normal schedule.

[B]

Let's go spend money we don't have. What the.

[A]

Sometimes.

[B]

Keep going. Keep going.

[A]

He'll, like, put in a car for me or something, and then he'll find, like a receipt or a rapper or.

[B]

Or is what he said, by the way.

[C]

So that's not even receipts from the rappers. Yeah.

[B]

Pick the winner. And these conversations. I'm. I'm. I will ask for the fourth time, how do these go?

[A]

Usually, like, he'll come in and wake me up and he'll be like, so did you do something? You want to tell me about something? And then I'm just kind of batting at the bush as far as, like.

[C]

She tries to dance around it. Like, I don't know. Most of the time when I clean the car, it's because I've known for, like, three days and I can smell it.

[B]

That's cute. That's funny.

[A]

No.

[B]

Yeah. Destroy your lungs f. Cking Hilarious. That's wonderful. Spend money you don't have while you're nearly $60,000 in bad debt. What a wife. Okay, so she beats around the bush. How do you confront this? I really need to know how this is communicated, guys. And your inability to answer this question is frustrating.

[C]

I just try to get her to talk me through why she went out and did that.

[B]

And there'd be a millionth time you don't answer. But this is an endless thing. And then he catches you constantly, and then you're hiding behind his back for some reason. So why aren't you answering?

[A]

Because I'm stressed.

[B]

Stressed about what? Because you don't have money, because you don't work, because you don't have a job. And by the way, we know from a fact, from the conversations you had with the producers, the amount of hours that you suggested you're putting in at doordash, which would make it seem like she's grinding. It's hyperinflated, inflated. From the pre conversations you had with the producers. Yeah. Look good while you're on camera. Wonderful. Do that. So stressed about what? Lying about how many hours you work. I'd be stressed. Lying. Stressful. What are you stressed about? Lying about how much you're lying about.

[A]

Maybe how stressed we are. Stressed about his health conditions. Stressed about how much I can help around the house. And also help around the house doing what?

[B]

What are you doing?

[A]

Laundry.

[B]

Square footage.

[A]

560.

[B]

Great. Yeah.

[A]

Horrible. And we have two cats.

[B]

And they maybe don't know. Yes. If you can't afford them, you can't afford them or you can't take care of them, then it's irresponsible for you and selfish.

[A]

I've had Roosevelt for 10 years and I've always made sure that he was taken care of.

[B]

Okay. But if you're stressing about it and you're having to consume drugs in order to make it through, then no, I don't think you're able to handle having Roosevelt.

[A]

I was consuming before I had Roosevelt.

[B]

You've been consuming for over 10 years?

[A]

Yes.

[B]

So you've been consuming since like 14?

[A]

Yes.

[B]

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[A]

Small town, ladies and gentlemen.

[B]

It's literally the person you hate at your office, right in front of me. I get to experience today.

[A]

Yeah, it was a small town and there was nothing to do really, other than drink or smoke or do.

[B]

Yeah, I guarantee you other people live there that weren't just destroying their life. Okay, so you're addicted.

[A]

I've quit before.

[B]

Yet you have found your way back.

[C]

Quit for three months?

[A]

No. Why is longer than that?

[C]

Four maybe you gave me a bullshit.

[B]

Last time and I know you're a little broke and that's okay. Why are you with her? Because, no offense. Oh, no, no, no. She's one of my least favorite people I've met in the three years of doing this show. I don't really care. I have to be candid. You're very unpleasant.

[C]

Okay, I knew you were gonna say.

[A]

That'S a little bit of a compliment.

[B]

No, it's not. And you knew I was gonna say that because you know what you're with. Why the are you with her? I like her.

[C]

She knows a lot of other people.

[B]

That's impossible. Incorrect. Try again.

[C]

That's the truth. I like her and I know that.

[B]

It annoys other people and that's fun.

[A]

I take care of him where I can. You know, his head's hurting. I bring him an ice pack and caffeine or give him a little bit of that gok gawk to help him go to sleep.

[B]

Huh? Oh. Oh, that's not funny. Everyone just vomited watching this show. Oh.

[A]

Ladies and gentlemen, or some of them, I relate.

[B]

Oh, this is what he said in the pre interview, quote, direct quote. I was interested in two things. Alcohol and. And you had two. And you had one of them in regards to her.

[A]

Disgusting.

[B]

When are you starting your job?

[A]

August 5th.

[B]

What are you gonna be making? What is the job?

[A]

I think it. It's just literally I had like a 15 minute conversation with the hiring manager.

[B]

Wow, this is a great answer to what is your job?

[A]

State minimum wage. I think it's 1666 an hour. And you're a floater? Crew member.

[B]

Crew member. There you go. Okay. Wow, that was difficult for you.

[A]

Yes.

[B]

Okay. Washington minimum stay. Wonderful. Good. So how many hours a week are we going to be working?

[A]

Starting is going to be part time, but once all of the college students return, I'll be at full time.

[B]

So once more workers.

[A]

No, no, no, no. Once more customers.

[B]

Oh, okay. Okay. So part time is what?

[A]

Part time is 25 to 30 hours a week.

[B]

Okay, so she's. Okay. Spokane. What is the job market like in Spokane for people that other people want to spend time around? Because. Yeah, no offense. I mean, can we, can we be real world about this? I mean, we don't bullshit the show.

[A]

No, we don't.

[B]

In an interview process, multiple round. Who is hiring you? I've been with you for 30 minutes. I would never consider once in my life allowing you to be in this workplace.

[A]

I've had a number of like, good jobs that weren't McDonald's jobs.

[B]

You're 26 and you've worked at McDonald's five times. I. What are these good jobs you've had?

[A]

I worked for Overstock.com in a call center.

[B]

Okay. So I'm talking about getting on a career path.

[A]

Oh, yeah, I want to go back to school.

[B]

That's a career path. Okay, great. And what are you going back to school for?

[A]

Originally I wanted to be an engineer. So I have a partial associates of science currently.

[B]

Partial associates of science. So I e. You did not get an associate's.

[C]

Yes, he has credits.

[B]

Yes.

[A]

I took them while I was in high school. It was. It was called running high school.

[B]

Which means they're likely almost 10 years old. Which means, by the way, they might not transfer at that point.

[A]

No, I checked.

[B]

Okay. Yeah, you have like a couple years left, so you better get there now.

[A]

Yeah, that's why I'm here.

[B]

No, that.

[A]

That's why I'm here. So I can get the finances so that I don't have to doordash as much and so I can actually plan when I'm gonna go to school.

[B]

Okay. That's why I'm here. Ladies and gentlemen, if you're not the most insufferable person I've ever met in my life, Please go to calebhammer.com apply and you can be on this show. Why I'm here? Why the am I here? Okay, so you guys should be managing your money then. If we only have a very limited amount that comes in and you're certainly outside anything decided for taxes. Not that you're not very much, but there are some self employment things that happen so we know what hits our account. And you're starting in a few weeks another job that honestly is not going to bring in much more than that, if we're being completely honest. But $4,000 is what we're walking away with right now before any tax is necessary. Good. How much did we spend last month?

[A]

Maybe 4,000.

[B]

Okay. Yep. So that's what we bring in. So break even.

[C]

Yeah, something near that. I'd say maybe over by 500.

[B]

Why would you allow over by 500 if you're the financial responsible person who does revenge spending, which doesn't even make sense as the financially responsible person, but sure.

[C]

I'm not there with her 24 7.

[B]

Yep. Why would you. Why would you stay with someone like that? Why would you, as you budget, not cut back your own spending if she's overspending by $500?

[C]

I have severely cut back.

[B]

He's severely cut back, he says. But your revenge spending. What the are we talking about? I'm getting very conflicting reports here.

[C]

Hers probably adds up to like 150 bucks every month.

[B]

$150 of fund spending. That's it.

[C]

Of just the. And then the stuff that I do in return is like maybe 50, 60.

[B]

Then why the are we spending $7184.98 last month?

[A]

What? Really?

[B]

Yes.

[A]

How much actually came in?

[B]

We talked about that. We already know the answer. Okay, you talk because I enjoyed conversating with you more.

[C]

I just don't know. That just doesn't match what I'm.

[B]

What?

[C]

I've seen the numbers. I've seen.

[B]

What numbers do you see? What is your guys financial discipline look like, making budgets and whatnot? What are the numbers are you seeing? You want to be an accountant, right? What numbers are you looking at?

[C]

Yeah, the numbers that I see are closer to maybe five going out. Oh, oh, going out.

[B]

Listen, when I read the debt number, that was bad debt alone. There is a whole other category for low, no in lower no interest debt, which is an additional nearly 6,000. So you guys are actually over $60,000 of debt. What the are we doing? And then blowing 2000 more than comes in. What the are we doing, guys? What a joke. I'm gonna go three, two, one. Go on. Go. Your favorite part. I want you to give me what you think your Household score is. 0 to 10, 0 being the worst, 10 being the best. Okay, same time. 3, 2, 1, 0. Okay. If you guys want your financial score, go to calebheimer.com or click that link in the description below. Take the assessment. It is free. Or Dollarwise.com as well. It is free. And I'll give you your score. And if you don't want to end up a guest on this show, make sure you're downloading the dollar wise budgeting app. Sign up for your free trial and then sign up for the annual version if you want to save a lot of money. And also get a signed version of our budget friendly cookbook that I'll mail directly to you. Join Dollarwise Central, our all in one program to get all of our educational tools and premium version of the budgeting app for 80% off. Dollarwise.com let's get into these documents. How are we doing, ladies and gentlemen? I How are we holding up?

[A]

A little bit of a question about how you got the 7,000 number.

[B]

It's a great question. Let's go through these documents perhaps.

[A]

Yeah, okay. I'll hold it onto it until we get to the. The one that I think it might be Phoebe.

[B]

She's cooled off from the beginning, by the way. I do appreciate that, ladies and gentlemen. What you probably didn't see is we cut a lot of her being annoying at the beginning because we don't want you to click off of this video. And usually we don't cut things, but it is important that you watch. What do you do, Mark?

[C]

I'm unemployed, okay?

[B]

He can't work and you guys are starving and drowning in debt and we're laughing about it. Oh, we're still laughing about it. Oh, there it is. We're still. Oh, I felt that.

[A]

Okay, sorry, I didn't mean to spray.

[B]

What did you attach yourself to here?

[A]

Plot.

[B]

Huh?

[A]

I was making a reference to how in anime they call.

[B]

Oh, my. I do not like her. I'm sorry, guy, you've this personality that.

[A]

You'Ve married is talking to one of my friends that I had previously played video games and been in a Discord friend group with and also played DND with. And yeah, he. He's a disabled veteran and an engineer and made plenty of money. So he was like, hey, do you want to come live with me for a little while? Maybe see how the east coast is?

[B]

You were on the East Coast?

[A]

Yeah, I was. I was already. Huh?

[B]

You said you were in Boston. Said you were in Boston.

[A]

I moved from Washington, Southwest Washington to Boston.

[B]

So this was the move then?

[A]

Yes.

[B]

Okay.

[A]

Yeah. Southwest Washington to Boston. He.

[B]

So your kink is disabled. Vets, by the way, just want to call that out. Go ahead and keep going.

[A]

Yeah, this is number three.

[C]

Number three, she compares me to her dad.

[B]

Number three, she only disabled people.

[A]

You heard it here, the four year long relationship. He wasn't disabled.

[B]

I'm sure he is after being four years with you.

[A]

Yeah. So I.

[B]

Okay, so you moved to Boston. Traumatic experience. Our quarter life crisis. Is it able? Mom says keep going.

[A]

I mean, I got like a full Brazilian on that card. I got a massage on that card. I spent crap at Marshalls.

[B]

TJ Maxx, why have you made us think about your vagina twice in this episode? Like, can you. Can. Can. Listen, you're not Sydney Sweeney. For sake.

[A]

I have had people ask me if I had an of.

[B]

No, no, no, I don't.

[A]

For the record, thank.

[B]

Keep going.

[A]

Yeah, yeah. Basically, I just kind of.

[B]

What's the quarter life crisis?

[A]

I reached four years with that guy and I realized he wasn't going to marry me.

[B]

Discord mod.

[A]

No, no, no, no, no.

[B]

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

[A]

No, not the discord.

[B]

Oh, you are the worst storyteller that's ever existed.

[A]

He would agree with you.

[B]

Okay, so everyone would agree with me. Literally hundreds of thousands if not millions are agreeing with me right now.

[A]

Four year long relationship. Got that part Was attached to mommy's titty.

[B]

So were you.

[A]

No, I wasn't.

[B]

Yes you are. You are enabled by mommy and daddy. Your self confessed spoiled and now she's calling you a quarter life crisis allowing you and enabling you to around your entire life. You've never contributed to society in any effective way whatsoever. And you should be taking care of someone who unfortunately has a brain injury. Yet you won't. And you consider bringing him an ice pack and given some glucky Glucky being taken care of. That is not funny. You are a genius joke and you are not a good partner. So I don't want to hear a quarter life crisis. You. Your entire life is a crisis.

[A]

Yes.

[B]

Great. $3,087.58 is owed on here. Minimum monthly payment of $107. Yeah, when you basically make zero, that is substantial. How long does this take to pay off minimum payments? Only without doing any purchases. And I'm sure you need to get waxed for him unpleasantly. Actually no.

[A]

He. He waxes my upper lip because I grow a mustache faster than he does.

[B]

Not surprised again, but yeah.

[A]

No, I don't know. Six years, seven years?

[C]

20.

[B]

Okay. 17. She just came.

[A]

No. Yeah. Okay, so basically, I maxed that card out while I was beginning and during. And after the Massachusetts trip. Yeah.

[B]

Okay, wonderful.

[A]

That was kind of just my swipe tap.

[B]

Yeah, keep going. Swipe tap. Yeah. That's okay that you swiped and tapped. What's not okay is you've had a late fee this year so far, you dumb tit. Why are we not paying a card on time? Even if you're not purchasing on it now, a previous waxing does not constitute not paying. Why is there a late fee?

[A]

Because I need to pay the electric bill before I pay. They're not gonna go get a good job. They won't hire me.

[B]

No. Why would they?

[A]

Because I'm.

[B]

How are you guys gonna survive? How are you guys making it into your 40s financially? How can we. She's incapable to hold down a job. She quit McDonald's five times and no one's gonna hire. No surprise. And then you. You can't work, and I. That's fine. It happens. You fell. Wish it was work related, but okay, listen. Hey. What? How are we gonna make it? You can't. You're making me lose hope before we've even hit 40 minutes, unfortunately. Meaning I have a long way to go. But sake. How can you guys make it into your 40s financially?

[A]

I wasn't this bad before. I wasn't this bad before the quarter life crisis.

[B]

When did you start spending on this? Two years ago. What the. You had a missed payment. This year wasn't this bad. You've been horrible for two years. What the. Are you possibly trying to suggest that I can't. You just cried about paying electricity and you've quit, like, 50,000 jobs.

[A]

No, no, no. I prioritize.

[B]

How long did you do call center? How long did you do call center?

[A]

Almost a year.

[B]

Okay. Why the aren't you doing call center?

[A]

Because none of the ones I've applied to have called me back.

[B]

No, that job still.

[A]

Oh, that job still. The. Not the four year long relationship, but a different ex. Boyfriend was also a different disabled vet. No, no, no, no. He wasn't a vet. His brother was.

[B]

Well, yeah, no, she crossed the family line.

[A]

No, he tried to. He looked at my butt, but I never.

[B]

You looked at your butt? I look at everyone's butt.

[A]

He looked at my butt when I thought he wasn't home, and I walked to the bathroom in, like, just a T shirt. And then he confessed about it to my mom because he was working in this Culture for my mom.

[B]

Everyone looks at everyone's bus.

[A]

He confessed it to my mom, though. He was confused.

[B]

Do we not all look at everyone's bus butts? Yeah, everyone does. Who do you walk around?

[A]

You're just looking at everyone's side to somebody's mom, though.

[B]

I'll confess it to your mom right now. Look at everyone's butt. I'm gonna actively not look at your butt. I'm going to honestly say that because I know what your existence is. And then it's ruined it. And it's not even a sexual thing. Everyone just looks at everyone's butt. It's just. It's. It's a. But okay, whatever. I don't care. Okay, so he tried to you, apparently.

[A]

Yeah. And the. The ex boyfriend, he always slept in. And I didn't have a car of my own yet.

[B]

Also addicted to weird sleeping habit X's. Listen, I'm confused. She's prioritizing the electric bill. That's why she didn't make her $30 or $100 minimum payment. Of course. Yeah, $1,751. Going out to eat, by the way, which is a quarter percent, which was a quarter of our spending, which was already $2,000 over what comes in golf just off prioritizing our electricity. What are you talking about? You're prioritizing throwing food down your throat. You spent more going out to eat than you made delivering food. I don't want to hear. What a joke. You spent more than half of what comes in for the entire household. You spent what comes in just from his disability alone going out to eat. Nearly come the on. Don't with me. Don't with me.

[A]

Sometimes.

[B]

I don't wanna hear it. Sometimes what? Yeah, let's hear this.

[A]

We do the fast food. Because I'm so exhausted by the time.

[B]

I'm done solid for working, let's be honest. 30 hours a week, if we're being real and what's about to be 25 with McDonald's. I don't wan can hear it. At least you get a free meal after you work two hours at McDonald's. Right? So we got that going for us.

[A]

But yeah, with him not being able to stand to make him stuff sometimes when I'm out. Well, he.

[B]

Okay, so he can't meal prep.

[A]

We have a very.

[B]

Because he can't stand. You cannot meal prep.

[A]

Our freezer is literally smaller than your aquarium.

[B]

Okay, okay. That's weird. Get a mini freezer, Amazon. Like a few hundred bucks. Oh, I just solved all your problems. And I thought for a half a second.

[A]

With what money?

[B]

The $1,700 you spend going out to eat on a monthly basis. You. You're not. Maybe you are. I don't know. But how can you not? Huh?

[C]

I said that's debatable.

[B]

Okay? And honestly, again, not surprised. So, okay, you guys categorize a doordash as essential in your budget. You told the producers.

[A]

Please. Did we?

[B]

Yes, or else they would not tell me. You told them that. I can excuse him for memory issues.

[A]

I don't know. I was in a car accident. I think I had a concussion.

[B]

There it is. Things are lining up, ladies and gentlemen.

[A]

I crashed my first car. It was a Mazda 3 that my granny bought for me by taking out of that 40, 000 insurance policy that I'm inheriting.

[B]

Quiet. You can get a small freezer, even a cooler at that point. Guys, come on. You can meal prep a couple days in advance and keep things in the refrigerator as well. Not talking about meal prepping a month in advance. I know you have the time. I know you have the ability. Stop making excuses. This is the dumbest thing I've ever heard in the last 30 minutes.

[A]

Well, okay.

[B]

Yeah. So, late fee, $523 of interest this year so far. Nearly a 30% credit card. She says she can't meal prep because her schedule is all over the place. The schedule that you're choosing, you're choosing your own hours. What is wrong with her?

[A]

It's not that I'm choosing, it's that I. I need to go out in doordash to make the money. And so I wake up, I see doordash is busy.

[B]

Why have you quit McDonald's four times in a row now leading up to number five.

[A]

One of them, it was. I was a manager in training, and somebody who was also a manager in training was given actual manager sh. Shifts. And she was a self admitted recovering junkie.

[B]

Still probably a better person than you.

[A]

I don't know. I was there for five hours without a break and she was there for an hour and went and took her lunch break with her little boyfriend that's also a drug addict.

[B]

Okay, so why'd you quit?

[A]

I quit because.

[B]

And that did not happen four times.

[A]

No, it didn't happen four times, but that one time it happened.

[B]

Right, so there's three other times that don't involve. I would think.

[A]

Yeah. Yeah, there's three other times. Okay, so the. The one other time, it was while I was still in high school and I quit so I could Prioritize school.

[B]

That's fine. Two more to go.

[A]

Two more to go. Wait a minute. Oh, okay. So this is technically my fifth McDonald's, but only fourth time being employed. So one of the times I was employed, I worked at two different stores.

[B]

What was the other quit?

[A]

The other quit was the same as the first McDonald's. So my very first job was McDonald's. That's in high school. Same McDonald's, June of 2023. I was working there for maybe a month.

[B]

And I would love to know why you quit. Because that was the question that I asked.

[A]

Oh, because that was the start of my quarter life crisis. I quit like maybe a week before I got.

[B]

You were being a dumb. Okay, great. Gotcha. And why are you no longer working at the call center? It was because you had to move.

[A]

It was because I accrued enough. Like late strikes because the ex boyfriend refused up early enough.

[B]

Why the does that matter? Him getting up?

[A]

Because I couldn't drive alone.

[B]

You couldn't Uber?

[A]

No, it was an hour commute.

[B]

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[A]

It was an hour commute nowhere where they didn't even have Uber.

[B]

Okay. You couldn't drive.

[A]

If I drove and took his car, I don't know how he would have reacted.

[B]

Is he a woman beater? Did you leave him?

[A]

Yeah, I did end up leaving him.

[B]

There you go. Okay, so you got fired for not showing up to work. Oh, he just yelled. So he'd never hit you?

[A]

No, he never hit me.

[B]

Okay. Sake. Guys, this is just. It's. What a mess. Okay, Cabellos. We have a Cabal's card. Who's. What? When? Why?

[C]

That's mine.

[B]

Yes. Go. What's going on? The financially sound one with a 6000 hours Cabela card.

[C]

I got that when I actually had a decently paying job and I had a bunch of gift cards that I was using to actually buy myself a new gun. And then I got offered a brain.

[B]

Injured person with a gun.

[C]

I can still go hunting and stuff.

[A]

And.

[B]

Yeah, children at schools. Okay.

[A]

I know it's a. It's a pistol. Not a. Not a kill.

[B]

I don't know if you know this.

[A]

Yeah. But most of the school shooting.

[B]

How about you talking to the mic? You're on a podcast.

[A]

Most of the school shooting things happen with like.

[B]

Go on, keep going.

[C]

I got offered a bunch of extra like bonus money stuff. The points and stuff for signing up on that day because they had a.

[B]

Special how much bonus monies.

[C]

It was like a total of like $200.

[B]

Right? You just lost $100 in interest this month alone. So you got 6,000 hours in pistols.

[C]

No, that was like the first like $100 on there.

[B]

So why the.

[C]

Okay, because I lost the job that I had a couple days after That I ended up quitting that job.

[B]

Why? Yeah. What was the job?

[C]

It was a construction job and they were trying to make me go into a termite infested attic where it was crumbling underneath me literally the day after that. And so I. Yeah, for some reason.

[B]

I don't fully trust your side of the story, but either way, okay, you quit.

[A]

He didn't weigh that much back then either, so it's not.

[B]

How does that feel? That must be good.

[C]

I don't know.

[B]

Okay, great. Yeah, you got a star guy. You got a star of a wife. Best wife I've ever seen. A guy. Buddy, listen. Yeah, a lot. Huh? Huh? Who did you guys meet? Bumble shut that down.

[A]

I was working at the dining center at the college and I asked him my question.

[B]

Oh, and other jobs. She's quit, guys. She's only had about 50 jobs in her. Yeah, eight years of adulthood.

[A]

No, I've been working since I was 6. Oh, yeah. That is eight years. No, that's longer. No, I'm sorry, I don't do math.

[C]

Well, 10 to 16 or 10 to 20. 16 to 26. 10.

[A]

Yeah, okay. 10 years. I've been working since I was 16, guys. Yeah, I, I, I today, junior. I quit that job because they put me at a different dining facility, that Greek row, where I would have had to pay an additional like 150 bucks a month for parking.

[B]

I'm talking about his credit card. I don't give a about whatever you're talking about. I didn't even listen to you. I'm turning you out at this point. Okay, so you quit a job. Why didn't you then go get another job or at least wait for a job to be lined up or at least have an emergency fund before you blew everything on a cabela's card.

[C]

I was in a relationship with somebody else at the time and they were very needy. They needed things all the time.

[A]

Materialistic.

[B]

Okay, and you say no or you.

[A]

Say goodbye or spend your own money because you have a job too.

[B]

Okay, who the are you talking about? You're the one that goes blows all the money and drug addict. Shut the up high horse. Is she on?

[A]

At least I paid for my own apartment.

[B]

Oh, just quiet, quiet. I don't want to hear you.

[C]

I just like doing things. I like providing and was trying to do everything.

[B]

Well, no offense, you do not provide now, but you do have kind of a reason for it. Okay, yeah, it sounds like I'm getting a collective thought from the room that you guys just can't be Single because it's near. It's pretty much dangerous.

[A]

I don't remember the last time I was single for more than like two months.

[B]

Huh. Which is why a guy got married in like, just a few months.

[A]

It was a whole month longer than the first marriage.

[B]

Different time. Different time.

[C]

Yeah.

[B]

Okay. All right. Cabela's minimum payment. 159,40 purchases. Why are we purchasing on a car that is agreeing interest that we cannot pay off that is also making minimum. Minimum monthly payments? Go high. Oh, actually, you have been engaged before, so. Oh, good. And that engagement ring was hers.

[A]

No, no, no. This is actually my granny's wedding band.

[B]

Okay, but the engagement ring he gave you was hers.

[A]

Technically, the one he proposed with wasn't. That was a thrift shop ring that we got.

[B]

Then what am I being told?

[C]

The engagement ring was technically a copy of that one.

[B]

Okay.

[C]

The engagement ring was my grandma.

[B]

Okay, so you've been engaged before.

[C]

Yes.

[B]

Right. You're 24.

[C]

Three.

[B]

Oh, good.

[A]

He was 21 when he got engaged the first time.

[B]

Yeah. Then two years later, he did it again over under. On this marriage. Lasting. Curious. Okay, so why the are you spending on this credit card guy?

[C]

That's the reactive spending.

[A]

Yeah, that's where he puts his retaliatory spending is whenever there's.

[B]

Okay, why are you retaliating? I was not talking to you.

[C]

Because she has a mental breakdown if I try and talk to her about it.

[B]

Well, that's one of the least surprising things I've ever heard. You seem like someone that has a mental breakdown if someone looks at your butt.

[A]

Yeah, kind of.

[B]

Okay, so she has a mental breakdown if someone snaps their fingers or does anything. She's afraid of that last guy yelling. I'm guessing. Now, knowing how she probably over sensationalizes everything and tries to put herself on a moral high horse when it comes to your other ex, even though she does basically the same exact thing. The dude probably said, hey, can you please not take my car without me knowing? And that was abuse to her.

[C]

Okay, so she tells me that I don't yell enough. We came down her because she wanted somebody to yell at her, so.

[B]

But why are you retaliating spending though? Because she blows up. So what's this mental breakdown that happens.

[C]

Every time she ends up on the floor crying? Basically.

[A]

Because I feel like a.

[B]

You are good. Recognize it, change it. You should feel that. Put in any kind of action. Use a budgeting app. This is not complicated stuff. And obviously I'm going to create a budget and tell you what you're doing wrong. That is the point of the show. But to suggest you couldn't have downloaded a budget app. What the are you talking about? How, how, how you don't spend. How.

[A]

It's not the how do I fix the spending, it's the how do I fix me.

[B]

Go to a therapist, dude.

[A]

I actually have an appointment tomorrow.

[B]

Okay, good. Thanks.

[C]

Took three months of convincing.

[B]

You tried. You were trying to convince.

[A]

I've done therapy before and it didn't work.

[B]

No, no, no, no. It was either the therapist itself wasn't a good match for you or you were honestly not showing up to be real. Let's be. Let's be honest. Look how you've shown up to this conversation again. I think a lot of it was cut because you're just literally one of the most insane people I've ever met. Okay, so this card is maxed out. That's great. Started over. Maxed out. That's actually even better. Wonderful. Oh, yep. It's screw dumb. Screw dumb. Screw dumb. Screw dumb. Screw dumb. Whatever. The Tap to pay mobile game. That is even. Is it? What are you buying?

[C]

It's just a Google app.

[B]

Yeah, I know. What are you buying?

[C]

It's just bonuses in the game.

[B]

Why?

[A]

Or going ad free. That's his favorite.

[B]

Just one time to go ad free.

[C]

That one was one time, but different months. There's different games.

[B]

1, 2, 3, 4, 5.

[C]

Yeah, the 10$1 or whatever that's on there was that.

[B]

So you've had a new game and then you just go crazy?

[C]

It's just when it comes up, I don't know.

[B]

So you guys living situations in a smaller apartment. Good. You can't afford much more. What's your rent? Because I don't know how the you're paying any of this.

[A]

950Amonth, water, sewer, garbage included.

[B]

Good. And you're going to stay there as long as you can.

[A]

And Internet, you're going to stay there.

[B]

As long as you can.

[A]

Right now our lease is set to end in April of 2026.

[B]

We're going to renew it. We're trying to leave to make sure they keep it down. Right.

[A]

Given that it's a college area, they have enough turnover that they don't give a shit if you threaten to leave. In fact, if we. If we even missed our electric bill that I said I prioritize paying. That counts as a lease break. And how much of a fee is that?

[B]

It.

[C]

It's a lease break fee. And right now with the term that we're at. That'd be like 9,000.

[B]

No one ever suggested you dump tit not paying your electricity bill. You pay $1,700 on going out to eat. Shut the upper up. What the kind of.

[C]

Is that the amount of turnover they have? We have to renew three months ahead of time.

[B]

Okay. Sounds like. Yeah, but let's definitely try to keep it under a thousand. Or. We're looking around for sure.

[A]

Well, can I say we actually do want to move out of that apartment at the end of the lease.

[B]

You can. Is it going to be under a thousand dollars? This next place?

[A]

If we move down to Texas. It will.

[B]

Please don't. I don't know where. Panhandle. Please. Thank. Okay then.

[A]

God. I don't want to live in Austin. Yeah, keep Austin weird. It's like Portland girl.

[B]

You're literally one of the weirdest people I've ever met in my entire life.

[A]

I don't have blue hair or septum piercing, so I don't know that you can actually.

[B]

You're blue there anymore. Yeah, 20.

[A]

20 was a different time. And it. That doesn't count.

[B]

It was. It really was. And glad we've corrected her where we were, but either way. Okay. Oh, God. You've had a late fee this year so far. You guys are perfect for each other.

[A]

Yes. That's why we got married so quickly. Oh, can we kiss on camera? Is that allowed? Just a little quick little peck.

[B]

Just a little pick. No, no, no. Shut the up. You're so annoying. It is not cute. It's not funny. You're not pleasant. And I'm doing everything in my power to hold it together for the next 35 minutes so I can get the away from here. Yeah. Ton of interest. Nearly $70 or $700 this year so far in interest accrued. And this is a less interest rate at 20%. Okay. Alta. Not really putting it to use. I'll be honest. Or is this not working? But I'm guessing that's you.

[A]

I didn't. We woke up late, so I didn't do.

[B]

Okay, so it's hers. Great.

[A]

Why would he have an ulta card?

[B]

Maybe they're shore you.

[A]

He doesn't like.

[B]

Oh, no. I was able to figure out an answer within a half a second of thinking.

[A]

Those stores are too smelly for him.

[B]

Okay.

[A]

But. Yeah, I just had that one since like 2020. Wait, it.

[B]

No. What's the balance? What's the balance?

[A]

It's actually gone up.

[B]

What is it now that is not cute. You're your life.

[A]

It's like three.

[B]

His life.

[A]

50, give or two.

[B]

Great.

[C]

Wonderful.

[B]

It's a minimum payment. Sake.

[A]

$30?

[B]

What a joke. For what? What? You said 350 now.

[A]

Yes. I got like, exfoliating stuff and shaving cream and.

[B]

Yeah, for that stash. I know.

[A]

And the legs.

[B]

Okay.

[A]

He calls me Sasquatch.

[B]

Stop, stop.

[A]

I'm from the Sasquatch state.

[B]

When someone asked you if you had an of. They were being dared to. I promise you.

[A]

No. They were like, no.

[B]

No. I don't know.

[C]

No, it was five years ago.

[A]

No, they've asked for a reason than that. Sure.

[B]

Jan who?

[A]

Guys I used to work, go to school with. Or weird college kids. Weird guys.

[B]

Discord. I could see that. Permanent renters. Sure.

[A]

Yeah.

[B]

It's the closest they'll get. And have you seen the women that use Reddit? Yeah. Okay, so what is this? It's a 30 interest. You're getting interest charged like crazy. Of course. Great.

[A]

It's community. Of course. It's a lot of interest.

[B]

And we're just making the balance go higher instead of trying to improve our life in any way whatsoever.

[A]

But I needed that stuff.

[B]

No, you actually did not. You. What?

[A]

I got sunscreen for the trip.

[B]

Exfoliating. No. Face mask? No.

[A]

You get little, like, bumpies and ingrown hairs and stuff.

[B]

No, you do. And they're a lot.

[A]

What was it that I have? I have like, multiple hairs that grow out of a single.

[B]

Go get a prescription, have health insurance, cover, and you can use an HSA if McDonald's offers that.

[A]

That's probably worse than state insurance if I'm being real, which is what I know.

[B]

Nhsa. That's not health insurance.

[A]

No, I'm talking about, like, what? McDonald's insurance, if they have insurance.

[B]

I didn't talk about it.

[A]

I thought you said you have insurance. Pay for it. You said something about insurance and hsa.

[B]

Hsa?

[A]

I don't know what that is.

[B]

Well, maybe insurance. Maybe insurance. Okay, stop, stop, stop, stop. No, that is not this conversation. Maybe I did say that. Okay. Usaa. Okay. The big old military guy. That's right. Okay, we got a balance of. Oh, God. 515 on a credit limit of 500. The financial sane. One reminder is how this conversation was framed. Wonderful. It's gone up from 505. Why? Oh, fees and interest. What the f. Is wrong with you? What is going on, Guy? I know you might not be able to stand, but you can sit at a computer and look at your statement. So. What the Is going on?

[C]

I just. I can't do anything. It's.

[B]

Well, that's clear as day. But you can look at a statement. What do you mean he can't do anything? What are you talking about, can't do anything?

[C]

She goes out to make the money to make up for it.

[B]

It. What? You bring in more money than her with disability.

[C]

I paid what I can right at the beginning, and then that's it.

[B]

Why were you. Why are you. Why is there a late fee, buddy? For a literal $15 minimum payment. 31. Now, why were you late on that? I know for a fact you could put that in.

[C]

That was like a day late. Because I just missed a day is a day.

[B]

Why is it late? Why is it not on autopay? I swear, that's the. Oh, that's like acid to people on the show.

[A]

Viable reasons to not have a. Oh, sure.

[B]

Let's hear from you. One of the most reasonable people I've ever met.

[A]

So our Explorers on autopay. Our car's on autopay crowd and the Avista bills on autopay. But that doesn't incur, like, thousands of dollars of fees.

[B]

Why is this not on auto pay?

[A]

Because it's not one of the most important bills.

[B]

But you're. But now it's over the limit, you tit. You actual creature. You actual creature. That is holding us back as a society. What the. Why are you guys moving to Texas? What is your opportunity here?

[A]

Everything's cheaper.

[B]

Yeah, if you work. You can't. And you don't.

[A]

I want to.

[B]

Right. Says the 50 jobs in 10 years, girl. Yes. So what the f. Ck is your. Where are you moving to?

[A]

We don't have an exact location in mind yet.

[B]

You have an exact. When's your lease done?

[A]

April of 26.

[B]

Okay. Okay. And what are you planning to do here?

[A]

I mean, he's already said he wants to kind of go into accounting some. If he can.

[B]

So let me guess. You've switched jobs once or twice and just kind of forgot about that old 401k. Yeah. You're not alone. 25% of all 401k assets are lost or forgotten. That is billions of dollars floating in limbo because the rollover process is somehow stuck in 1997. Max machines, physical checks, talking to human on a phone. No, thanks. That is where capitalize comes in. Today's sponsor in your retirement account's best friend. They're a free concierge service that helps you track down your old 401K. Open or connect an IRA of your choice and roll everything over without you lifting a finger. No paperwork, no Please hold. No problem. If you've got an old 401k gathering dust, roll it over today with Capitalize. Hit the link in the description or go to highcapitalize.com caleb so as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date self paced courses, one on one or group coaching from people that work in the industry. And most importantly, they help you actually get hired. Just look at graduates like Nemeso who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, about landing a job. Their curriculum is designed based on what employers actually need. And their network of industry coaches will guide you through the entire process from learning the skills to interviewing, doing resume help and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options and when you're ready, use the link in the description for 50 off the full course. Your future starts right now and Course Careers is here to help you shape it. What are you, what am I doing here?

[A]

Probably something in hospitality management leaves her leave.

[B]

I'm sorry. You are going to be held back your entire life. Listen, I, I goon, I joke around. I, I, I like, we like to, you know, like couples and it's fun to see the drama and all that and you know, the drama's real and we see it and it's interesting. You need to leave her. You need to leave her.

[A]

I ask him why he hasn't.

[B]

You need to leave her. And that's a great question. What's your answer? Or desperate.

[C]

No.

[B]

No. I think this has to be some kind of desperation. Something's going on. She's one of my least favorite people I've ever met filming on this show. You need to leave her. Buddy, listen, you got some up flaws, that is for sure financially. But a sloppy top once a night, ain't it? That is not a reason to keep someone around. You rushed into this marriage. You made a mistake. She is a mess.

[C]

She's not as big of a mess as no things I've dealt with before.

[A]

Actually, the reason I'm a fan of this show.

[B]

Yeah, let's hear from you.

[A]

Because it makes me feel a little bit better about our finances.

[B]

Well, now everyone feels better because you're with the worst person I've ever met. And I do not know how much is cut in order to make sure people did not click off at the beginning because sake.

[A]

Well, I hope they're at least entertained.

[B]

They know and that's why they would click off. Which is why we cut that part of you being literally insane. I'll get you guys set up on the fez card. Debit card. That builds credit. At least provide resources. I just. Big guy, you can do a lot better. I don't know what Spokane's like, but. I'm sorry. And I kind of want to say sorry to you, except I just. I'm not sorry.

[A]

It's okay. Nobody's ever been sorry to me before.

[B]

Okay, don't try to make it a little victim thing. Look how you. Look how you go around in this world. I guarantee you the vast majority that you have dealt with has been on you based on how you are doing things.

[A]

Even when my own cousin bullied me from elementary through high school.

[B]

It's not a. It's not about that. And honestly, I don't see how that impacts you. Being one of the most annoying people I've ever met and leaving every job you've ever had. I'm talking about that kind of. You live with your cousin? No. Okay, then I don't give a. I'm sorry. You're over the credit limit. You're late. Takes five years to pay off. $31 minimum payment. Everyone had bullies. I sympathize with it. But to say that's why you can't hold down a job and that's why you're insufferable in this conversation. No, come on. We're not gonna. We're not gonna bullshit.

[A]

I wouldn't use it as a reason I can't stop.

[B]

$72 of interest this year so far. $30, of course, for fees. Quicksilver.

[A]

That one's mine.

[B]

What's going on with it?

[A]

It's probably my oldest credit card. I don't have a special little place in my heart for it or anything like that. It's. Why is it over the maxed out for? I.

[B]

How to get maxed out?

[A]

Quarter life crisis. I. I'm gonna throw that out quite.

[B]

A bit, but it's moronic and it's dumb and it's stupid, and it's an excuse, and it's a cope shut. Like, what are we doing? That will never get you anywhere. Dude. Someone who's able to make an excuse for everything, you're never gonna get anywhere. You can't even communicate with her. You told me you cannot communicate with her because she just breaks the down. No. And then she's gonna say you bullied her because you brought up, oh, she spent money, and that you're abusive. Probably because you brought up the fact that, hey, you spent a little bit of money.

[A]

No.

[B]

Yes.

[A]

I don't think he's.

[B]

I know how people like you work. You're right. I'm saying if he did bring that up and you guys broke up, you would claim him as an abusive ex. I know you. You're Tick Tock incarnated.

[A]

Actually, I didn't download TikTok.

[B]

You're ready. You're Tick Tock. Well, you're all the worst parts of our society. $144 minimum payment. $4174.82 is your balance. Yeah, Maxed out. Out. How long has it been maxed out?

[A]

Probably at least since I got back in from Massachusetts in January 2024. January 2024.

[B]

Oh, the whole run up and everything. Could have just said one.

[A]

But why?

[B]

To answer the question, okay, what made it max out? Over max out? And why have we made no progress on getting it under max out?

[A]

What made it over maxed out? I think we had to put. Put gas on it or something that month.

[B]

Did we have any on that previously? This can't all be gas.

[A]

Oh, no, that again. Just like the saver one. While I was in Massachusetts and coming back from Massachusetts. Quarter life crisis. That was just swipe, tap, swipe, tap. Chick fil A. Marshalls. T.J. maxx.

[B]

Hold on. I need a little. I need a little support. Cuz I know I don't necessarily. Because if we do cut some things in this episode, ladies and gentlemen, I know I kind of look like a dick because you guys didn't see everything. So. Confirmation. Need confirmation. I have four people watching this, four producers and one guy in sales. Brandon, am I just cranky or is. Or am I absolutely justified in my. How I feel towards her? Respectfully, you're the most insufferable person I've ever heard. Jordan. One of the nicest people that works here, by the way.

[A]

Jordan, unfortunately justified.

[B]

Weston, also a sweet soul.

[A]

I'm monitoring audio and my ears are bleeding.

[B]

Lindsay, the one who was casting.

[A]

No comment.

[B]

No comment. She's too nice. Okay. Which also means confirmed. So here's the reality. Because I know I probably don't look great here and that's bad for brands, but I honestly don't give. Because I'm willing to just be open and honest about everything and just. I'm just. I'm be. I'm. I'm myself. If I don't like someone, I don't like someone. If I like someone, I like someone.

[A]

I wouldn't ask you to be any.

[B]

Other way I'm talking. She thinks it's a presidential debate. I needed to frame that just in case we cut some of the more obnoxious moments at the beginning that. Oh my, this is miserable. Okay, let's get back to it. Quicksilver. 4100 is how many were.

[A]

I actually just recently had to contact them and say that I wasn't able to make my monthly payment.

[B]

And so why you spent a thousand for 700? Hey, capital one. If you're seeing this, you spent $1,700 going out the last month. She could have paid this. Capital One. Sue her ass into the ground. Fix her. Make her learn. Quarter life crisis. Let's face a real crisis. Don't. Why couldn't you pay your payment $144?

[A]

If I'm honest, I don't have a good reason why. I don't know.

[B]

What did you tell them? What did you tell them?

[A]

I told them that we are facing some financial hardship related to my husband's disability service.

[B]

Leech. You're going to be the one who spends all their money. Their entire life has nothing to retire. Social Security. Who knows what the that looks like? And you're going to be working. Then you're going to be on the news. There's going to be a sob story about an 85 year old woman you working at Walmart not able to pay the bills and it's going to be sad because you're old when we actually know throughout your entire life you just around spend all your money while the rest of us sacrifice and then I'm going to have to pay more taxes taxes to support you who did nothing but just have fun their entire Life. Moronic.

[A]

Yeah.

[B]

$102 this interest this month so far. 608 this year so far. What? What are you possibly gonna say?

[A]

Well I paid those down at one point during the quarter life crisis.

[B]

Okay.

[A]

I took out of an investment account that I had.

[B]

Great, wonderful. How much was in it?

[A]

Somewhere between three and five thousand and.

[B]

We will all be supporting her with higher taxes by the time our generation is old shoulder. You're welcome. Thanks for your service.

[A]

Some of that was stemi check too of course semi check that I had held on for for like four or five years.

[B]

Wasn't it like two $500?

[A]

There was like three different stimmy checks I think at least for Washington I think it was a total of 3,600. I think I skimmed the 300 or 600 or whatever off the top and then I threw that 3,000 into like a high yield savings or whatever.

[B]

What a productive society we live in. Okay, another almost max out card with spending happening. It's called the freedom card. Whose is it?

[A]

Mine.

[B]

Okay, you're spending on it why? Yeah, takes over a year to pay off without purchasing but you can't help a purchase Minimum to payment $40 Purchase 62 Balance went up it is now maxed out is going on yeah 62 gas on it by the way I was $453.26 sense it's a year right.

[C]

Now because it has no interest.

[B]

Her gas was going into McDonald's and purchasing things. Oh also I couldn't remember Hay range mobile which it's a for laundry.

[A]

That's our laundry. Okay, that's fine cuz we don't have washer.

[B]

Oh we've had a lay fee this year so far. Who would have thought not? Well actually I would have. Of course I would have Walmart. Who even knows? I doubt it's groceries knowing how much you guys go out to eat.

[A]

Actually whenever we do buy meat we buy the clearance stakes and stuff from Walmart. Whatever we see the yellow tag on.

[B]

Three times they cook food a year laundry Obviously that's fine McDonald's. What the. You should be taking money from them not giving them 27 interest. Oh good, more pass Shut up. Pass do on this next one. What's lccu?

[C]

Local credit union.

[B]

Yeah, who's though technically?

[A]

Joint.

[C]

Okay, it's joint, but it's in my name.

[B]

Okay, his. Okay. LCCU past two. Amount 55. So that's the normal minimum, but obviously you'll double that now. New balance 325.13. Is that a 10 something? Not the worst.

[C]

And they don't charge fees or anything, so.

[B]

No, but that can hit your credit if you leave it too long.

[C]

I've always gotten them before the credit.

[B]

Hit, so you better. Until you don't is the thing. Because look how far behind you guys are.

[A]

We've already taken care of that late payment. But that doesn't matter.

[B]

What are we doing here? What have you spent on here?

[C]

That one was a personal loan.

[B]

This is a personal loan? Yeah.

[C]

For Christmas.

[B]

For gifts. Guys. Oh, you're just. Oh, you're doing everything you can think of something that exists in this world. You are doing everything the wrong way. What?

[A]

I haven't taken out any payday loans or Affirmed or claraed anything. I stopped using my afterpay after I realized I wasn't feeling good about it.

[B]

Okay, what is this? What is a $9,829 bill?

[C]

That's the camper.

[B]

Camper?

[C]

Yes.

[B]

And whose name? Camper for what? Probably to camp in. But what the. Why? Whose name? Your name probably. What the are you doing? You can't even stand up. You're gonna do a camper?

[C]

The job that I had last year, I was actually living out of it.

[B]

Maybe you should still you guys both.

[A]

That's the plan.

[B]

After the lease goes off in Texas, you're gonna live. Hey, talking to the mic.

[A]

So after the lease is over, we're considering.

[B]

Why didn't you do it in the first place? Why didn't you do it in the first place? Idaho. Okay, great. Why didn't you do this in the first place?

[A]

Because I already had the apartment when we met.

[B]

So you had this on your own? You had this apartment on your own? Oh, what a creature. Oh, you would have been.

[A]

So I was 3,000amonth.

[B]

Campers at 10%. Yeah, and then you quit like you did every job. 9%. Sorry. Okay, middle monthly payment is.

[C]

217.

[B]

217. Great. More stacking. What's this camper worth? Took out a 10,000 hour loan to buy this from a friend alone. It was from a friend?

[C]

Yeah.

[B]

You don't even know what the value of this was.

[C]

No, it at the time was worth.

[B]

Show me Pictures. Someone show me pictures right now. Show me interior pictures and exterior pictures immediately. Right the now make sure you send them to. Well for like. Put your phone away.

[A]

Let me see if I have any.

[B]

Your photo album probably terrifies me.

[C]

It needs a bunch of fixed now.

[B]

Oh no. Who? No Surprise. Shock camper. Come on. Can you even use it? Or is it repairs needed to even use it?

[C]

There's a window busted out.

[B]

Oh, for sake. What are we doing?

[A]

And insurance already paid out to get that repaired.

[B]

And you use that for bills? No, McDonald's probably. Honestly, what can I say?

[A]

I like sweet tea.

[B]

It's worth while in its current condition. Probably about seven, I think. And in okay condition is worth about 10. But I mean you got things you also need to replace. Okay, I have a list. Heating ducts, broken cabinet in the bedroom. Broken bench in the dentist. That trim fridge is broken. Valve in the toilet is broken. Shower base is missing. Cover for access underneath. Rear window needs replaced. Missing blinds, Missing screen door. Water heater needs repl. This thing's probably worth like 5,000.

[A]

Oh.

[B]

What? How much of this was broken when you got it?

[A]

The blinds are because of our great Pyrenees.

[B]

Huh? Yeah, they're crazy. I have one.

[C]

Yeah, you have a dog.

[A]

It lives with the mother in law, AKA his grandmother.

[C]

The shower basin and the toilet were broken already.

[B]

What are you doing? Dude, what are you doing? What a joke. The way you. I don't. This is good. Good luck.

[A]

Thanks.

[B]

That's really all you're probably gonna get. No offense.

[A]

Stcu, Spokane Teachers credit.

[B]

Who's a teacher?

[C]

It's just a bank.

[B]

Okay, well this is at 8%. What is. What is.

[A]

Oh, it's the Explorer.

[B]

Oh. Oh. It's a nearly thousand dollar minimum payment. Know that it's interest services here. Thank. Oh, what's the minimum monthly payment?

[A]

398 and cents.

[B]

Okay, I'll say 398. Oh. Balances $23,465.88. Oh, that's an insane balance for you guys. Situation.

[A]

We traded in my Toyota Corolla that was almost paid off in order to get it. It was originally proud of you.

[B]

I've never been more proud. You're an incredible person. Is that what you want? I don't know.

[A]

We needed it for safety.

[B]

I need the worth of the car. We're still on the camper in the dock.

[A]

No, the camper has sentimental value. That's where he proposed to me.

[B]

I'm talking about the document that is pulled up in our notes that we are communicating back and forth is the camper. Thank you for constantly trying to participate in this conversation beyond what you're necessary for. It's worth $12,000. You're negative $11,465 in equity.

[A]

But I'm gonna drive that thing until the wheels fall off.

[B]

Well, you better, cuz you owe an infinite amount of money for you guys on it in the minimum payment. Good luck. Good luck affording it.

[A]

That's one of the ones that's on auto pay at the first driving into the ground.

[B]

I'm gonna drive into the ground immediately because we're door dashing LCCU loan again. What does that. This is another 9,000 hour loan. For what?

[C]

That's the other car.

[B]

What's the other car?

[C]

That's. That's a 2012 escape.

[B]

Oh.

[A]

That. We don't even drive.

[B]

Why?

[C]

My cousin lives. Can you drive Sometimes My cousin.

[B]

How do you know if you can or not?

[C]

He's based on what I. What my head feels like.

[B]

Yeah, but what if you get stuck in a situation where you've been driving, then all of a sudden your head's her.

[A]

He doesn't go anywhere by himself.

[C]

Yeah, she's with me all the time.

[B]

So that was the question, basically. Well, it's at 8.5% interest rate. Minimum C payment is what, 222?

[C]

Yeah, take my cousin pays me $300 a month.

[B]

Great. It's worth 4300. Dramatically underwater as usual.

[A]

He originally got that loan with the ex that he was engaged to.

[B]

Great. And hopefully you'll be an ex soon enough.

[A]

I don't think his uncle can help him refinance the Explorer though.

[B]

I don't give a. Go bankrupt and bankrupt your relationship as well. Get a fresh restart. Dude. Buddy, I'm cheering for you. You, I don't know. I hope you do well. Cause you're human on this planet, but for sake. I don't know. I don't know, dude. I don't know. Okay. Personal debts. Personal debts. 500 to your family. For what? For what?

[C]

There was one month we couldn't pay the insurance for.

[B]

Why you spent $7,900 going out to eat. Why exactly? Sake. Borrow from the family. What's your minimum towards them?

[C]

I pay them back by, you know, working around the house.

[B]

Working around the house. You can't stand off.

[A]

He can't, he can't work like a traditional job where like somebody's on him about you need to be doing something 20 or you know, the full time that you're working. But he can like Putter basically is what I would call it.

[B]

Not able to speak for himself. You have to answer this for him.

[A]

Sometimes I just word things better. It takes him a little bit of processing time.

[B]

You're the worst person at answering questions. I've met. Met today.

[A]

Today. How many people have you met today?

[B]

5,000 hours to your grandma. For what?

[A]

That's the Mazda that I totaled.

[B]

Oh, can you still owe 5,000 to grandma?

[A]

Yeah, I have.

[C]

That's the one that she borrowed from retirement account or her.

[A]

Yeah, my granny borrowed from the life insurance policy.

[B]

No, no.

[A]

Okay, that's already paid back it.

[B]

Huh?

[A]

It's already paid back in it.

[C]

That's already taken into the live life insurance. But not back to Granny.

[A]

Granny and my uncle put it back in.

[B]

So they forgave you or do you still owe it?

[A]

I still owes them.

[C]

But not the life insurance.

[A]

This is the granny with the $600,000, I assume.

[B]

Why did you pay back grandma?

[A]

Why haven't I?

[B]

Yes, that would be the question.

[A]

She wants me to prioritize paying stuff that does interest.

[B]

Disown her, take her out of the will, make her fight for it, make her learn things. You're enabling her. You don't give a about anything. So you're not paying a minimum?

[A]

No, not currently.

[B]

And I see $250 to your friends. For what? Your friends. Your friends.

[A]

Isn't that only half now? Cuz we paid him some.

[C]

No, we paid. We paid him back 75. But he sent me money. Literally. I was on the phone with him and he's like hey, check, check your cash app. And I went and bought groceries that day.

[B]

Seventeen hundred dollars. Oh, okay, man.

[A]

If it helps, we use.

[B]

Shut up. Don't say any words. I don't care. I do not care. Stop. I don't like you. You guys are the ones that are going to be getting assistance in this world and you do not deserve it. It's insane. This is disgusting. The life you guys live. What's your minimum to your friend? Is there. I don't know.

[C]

There's not.

[B]

Great. Wonderful. And your mom just sent you $1,000. Just sent you $1,000. That's not even in the notes. You spent more than that going out to eat last month and yet this.

[A]

Isn'T the first set of tires she's.

[B]

Bought me in the post show. We're calling her in the post show. I don't give a. We're calling her and hopefully she answers.

[A]

She works accounts payable and hopefully she answers. It's the end of the Month. Month.

[B]

Hopefully she answers. Okay, we'll leave a voicemail if not exposing your entire ass.

[A]

Yeah, she knows I'm going on the show. She's gonna watch the video.

[B]

Good. Well, she'll see this and mom, stop enabling the most annoying daughter that's ever been born on this earth. You made a mistake.

[A]

It's just safety. She only enables safety related.

[B]

No, no, no, no. You spent. You don't understand.

[A]

No, I get it.

[B]

Someone just freeze frame that. Zoom in on that and just frame that for anytime anyone wants to get last longer. Yeah. Surprised you make it there, buddy. That's all I'm saying. He usually has a pillow over his door dash, actually.

[A]

For the light. He has light sensitivity issues.

[B]

Yeah, for the light. Oh. Oh, buddy, you do not listen. There are more women out there. I understand. Listen, you're. You're a bigger dude. Maybe it's a little harder. You can't stand up. Makes it harder to date. There are other people out there. I promise. The grass is greener. The grass is greener.

[C]

She's usually not this bad.

[B]

No, no. Don't believe. Don't believe whatsoever. The fact that you said this bad. Listen to your language. Okay, doordash. I thought doordash was supposed to be you getting money, but you're spending. Getting nails.

[A]

Yeah, going to get some. I. I got nails done.

[B]

Getting some it.

[A]

So this is just the debit.

[B]

Some Subway. Oh, Dutch Bros. Dairy Queen going in and getting some bs. Oh, guys, this is her doordash orders. They're all just going out to you off McDonald's tacos. The land. McDonald's Paradise Cafe. McDonald's. McDonald's. What a joke. What a joke. Buffalo wild wings going in, getting some BS going and getting some BS going and getting some B.S. going and getting some BS. A lot of BS on this. It's not even highlighted. But it's all BS. Puffs and cups going in games and BS. Dairy Queen. Taco Bell. Dutch Bros. Dutch Bros. Sake. What a joke. Oh, get into BS Dominoes. The land. Java McDonald's door she. Door dash McDonald's with her door dash earnings. I'm gonna die and this is ridiculous. Taco Bell. Taco Bell. Shut up. Up. Shut your entire life up. Taco Bell. Handy. I'm going who knows the what some bull McDonald's probably shut the up Java. McDonald's. McDonald's. McDonald's. Talk about the land McDonald's. Talk about all of her earnings goes out to eat. You're the only one supporting the household. Leave her. Leave her. Leave her. If this is not a indictment of her and her entire existence and how she prioritizes. She says she's going out there and taking care of the house. Bull. She spends every dime going out and throwing food down her throat. Just because you get a little throat here and there is not worth it. It is not worth it. Leave her now. She's going to destroy your life. Arby's.

[A]

McDonald's. Shut the up.

[B]

Shut the up. Sonic. Buffalo Wildings if I don't want people to hear you, I just swear. Because that way it's censored and bleeped, meaning they literally cannot hear you even if you're talking at the same time. So that' right off me. Yeah, exactly. No, please. No one disgusting DoorDash bad McDonald's. Who is the P1FCU?

[C]

That's the joint debit account.

[B]

Wonderful. There's $6 in there. Happy helping food. Happy helping food. Starbucks, Goodwill, Buffalo wild wings, Danny's. McDonald's McDonald's chips in Java going in getting some BS AMC door dashing AMC door dashing door dashing DoorDash nom nom McDonald's Buffalo's wild wing Harbor Freight Tools Premium nom nom nom nom Java nom nom DoorDash McDonald's Arby's DoorDash McDonald's Taco Bell nom nom Tim 10 what a joke our entire life is. What a absolute embarrassing joke this entire life is. Primal Queen Doordash Buffalo wildling Sonic the Land tantan nom nom McDonald's 15,000. Is that your retirement? Leave her. I hope he had a prenup, even though it wouldn't necessarily be necessary. However, she's just a leech. You better not take anything when he leaves you because you don't deserve it. What is this? 3,000.

[C]

That's another retirement of you.

[B]

Oh, for sake. Great. Yeah. What a benefit you are in this household. What a benefit.

[C]

You are the nom. The nom nom.

[B]

One that you're going to save your life. You need to save your life.

[A]

Oh, what he says I do save his life?

[B]

No, he just. He's never. Nope. Uh, impossible. He had a horrible ex. Which makes you look better. That is pretty much it. Listen, your minimum payments alone just constitute your entire pay. And then your entire pay goes to going out to eat, okay? Oh, okay. That's all she does. Then you just blow all your money as well. This is embarrassing. Good. The luck. There's no budget that fixes it. You spend all your money that you make just. Just alone. On minimum payments and then you spend all the money you make even more practically how much you make on just going out to eat. No, no. You guys are completely immature. You need to separate. You're enabling each other. Your parents have raised a horrible child you and they're enabling the out of you. Grandma should make sure you don't get a a cent. What a joke. I'm gonna call your mom the post show. Hopefully she answers. If not, I'm gonna leave a voicemail. But I'm gonna call you grandma then. But I'm done. I'm done. I'm gonna go get some air outside while they set up for the post show. But this was miserable. Thank you. Watch us in the post show say Lindsay should he divorce her?

[A]

He is part of the problem too. The car was valued at thousand dollars. They were gonna be trading it in. We live in a hilly area.

[C]

Talk based on the weather conditions based.

[B]

On the weather conditions in that area. Off Shut the up Elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.