These Illegal Immigrants Are F*cked | Financial Audit

Summary

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Financial Audit

Episode: "These Illegal Immigrants Are F*cked"

Host: Caleb Hammer
Guests: Natasha (35, "mentally 29" – stay-at-home mom), Oscar (32, carpenter)
Date: October 26, 2025

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Episode Overview

This episode of Financial Audit dives into the chaotic finances—and personal dynamics—of Natasha and Oscar, an undocumented couple from Phoenix, Arizona. With three kids, over $130,000 in consumer debt (not including their mortgage), a tumultuous employment history, and cultural/relationship challenges, Caleb attempts to untangle their money mess—and their communication breakdown. The discussion is raw, confrontational, and laced with Caleb’s signature blunt (sometimes abrasive) humor.

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Key Discussion Points & Insights

1. Background & Dynamic

• Immigration Status: Both Natasha and Oscar are Dreamers—they came from Mexico City as children under DACA.
  • Natasha arrived at age 9; Oscar at age 5 ([74:11]).
• Family Setup:
  • Not married, but living as domestic partners.
  • Three children: 17, 12 (Natasha’s from previous marriage), and a 3-month-old baby together ([05:01]).
  • Natasha is a stay-at-home mom, recently fired while 8 months pregnant ([14:10]).
  • Oscar works 50–60 hours/week as a union carpenter ([08:36]).

2. Income & Tax Issues

• Oscar earns $31/hr, but pay varies with extra hours and union deductions ([08:29]).
• Household is essentially single-income since Natasha lost her job, increasing financial strain.
• They operate mostly tax-exempt currently, which may result in a tax bill ([10:12]).
  • Anticipate owing ~$3,000 in federal taxes despite deductions ([18:10]).

3. Budgeting Conflict

• Philosophical Clash: Natasha prefers "weekly" emotional budgeting, believing it’s a “girl” thing, and claims her friends do it too ([21:24], [21:39]). Oscar, and Caleb, argue for monthly, categorical, "math brain" budgeting.
  • Natasha: "When I was living by myself ... I was able to pay all my bills ..."
  • Caleb: "You had no debt ... Clearly it didn’t work if you had debt." ([20:05])
• Communication Breakdown: Oscar manages finances but finds Natasha disconnected and unwilling to use his budgeting app or track categories ([15:27]).
  • Oscar: “I feel like it’s maybe one of the things that’s holding me back from marriage … we don’t necessarily agree on finances.” ([16:02])
• Natasha admits she “just wants to know what needs to go out each week,” finding categorizing “tedious” ([17:05]).
• Caleb challenges the “girl brain vs boy brain” logic, lambasting both their approaches and lack of financial discipline ([25:21], [27:09]).

4. Spending & Debt Patterns

• Household brings in $5,800–6,200/month but recently spent $8,000 in one month (“tight budget”: [14:18]).
• Massive consumer debt: Over $130,000 not counting their mortgage.
  • 10+ credit cards, several in late fees or collections ([37:57], [38:11]).
  • Multiple balance transfers done, but never actually reducing principal ([75:00]).
  • Home equity loan used to consolidate debt, but immediately reaccumulated more ([93:09]).
  • Example purchases: $4,500 on Shakira concert tickets (Natasha lied to Oscar about the price – told him $2,000; actual was over $4,500 for three tickets) ([61:37]); $7,700 Discover bill, $800 Deadpool/Wolverine costumes, and trips to Miami to see Lionel Messi—all on credit ([53:29], [80:54], [81:16]).
• Pattern of impulsive, non-essential spending and lack of an emergency fund—leads to further debt and balance transfers when actual emergencies hit ([51:59]).
• Both make purchases behind each other’s backs; Natasha took a secret loan ([98:45]), Oscar bought a TV without telling her—complete lack of trust and communication ([71:14]).

5. Relationship & Marriage

• Not married: Oscar cites lack of trust on finances as major reason ([09:14], [16:02]).
• Natasha wants to get married (“just go to court, sign papers”), but Oscar is reluctant, allegedly fearing she’ll want a big wedding (she says that's untrue) ([40:42]).
• Caleb: "If you're not willing to take literally the most basic sacrifice...there's nothing here. And you guys are done." ([97:01])
• Family finances run separately, only some debts and the mortgage are joint.

6. Work & Life Hardships

• Natasha repeatedly fired: 3 jobs in the last few years, including while pregnant; at least one possible FMLA violation but unsure if legally actionable ([14:10], [42:13]).
• Personal tragedies: Loss of mother and sister—tied to job performance issues ([42:13]).
• Both stress that they're “hard workers” but have clearly struggled to adapt and communicate, both professionally and as partners.

7. Debt Details & Assets

• Mortgage: $260,631; payment $1,850/month ([92:11]).
• Home equity loan: $52,281 ([93:52]), used and then racked up new credit card debt afterward.
• Solar panel loan: $33,000, 1.99% ([94:55]); company is entering bankruptcy, but they'll still owe the debt ([94:41]).
• Toyota 4Runner loan: $37,087, 7%, $674/mo ([95:03]). Caleb tells them to sell it immediately, buy a $10,000 “beater,” or he's "ending this episode" ([97:01]).
• Jetta (older car): paid off, worth $1,700 ([95:55]).
• Several credit cards in collections/late—Natasha can't even access her PayPal credit account anymore ([58:31]).

8. Cultural & Gender Commentary

• Recurrent riffing about “girl brain” vs “boy brain” budgeting, with Natasha claiming the weekly style is common among her girlfriends ([21:39]).
• Caleb often pivots to satire, denouncing “girl math” and defending his “math brain” logic ([27:09], [29:34]).
• Strong references to cultural norms (Mexican traditions, Quinceañera: $5–6K for the party ([89:26]); use of "padrinos" (sponsors) to help pay for weddings) ([41:09]).

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Notable Quotes & Memorable Moments

• On Natasha's Age:

  • "Can we just pretend that I'm 29?" – Natasha ([03:17])
  • "No, because your compound growth in the overall marketplace... is all dependent on age." – Caleb ([04:02])

• On Budgeting:

  • "Her way of budgeting just doesn't make sense ... at the end of the week, she thinks it's 'free to spend.'" – Oscar ([16:27])
  • "Girl brain math. Erase this and do it for me." – Caleb ([29:36])
  • "Shut the up then. What are you talking about? Clearly it didn’t work if you had debt." – Caleb ([20:17])
  • "You guys are a mess. You're the collection of everything bad with consumerism." – Caleb ([95:26])

• On Overspending:

  • "I like to give gifts. So when… Christmas time, birthday..." – Oscar, explaining $7,700 Discover bill ([53:29])
  • "But it was to see Messi!" – Oscar, about Miami trip on credit ([54:06])
  • "Your parents prefer Messi over you." – Caleb (to their future baby) ([56:07])

• On Relationship Issues:

  • "He wants me to be financially responsible, but I’m not his wife so I don’t have to really listen." – Natasha ([40:14])
  • “If you’re not willing to take literally the most basic sacrifice in the one thing you have, there’s nothing here. And you guys are done.” – Caleb (re: selling the 4Runner) ([97:01])

• On Debt & Denial:

  • [After Natasha admits to lying about Shakira ticket price]:
    • "You seem like a fun person to go to the bar with, but not someone I’d want to live the rest of my life with because you’re a liar and can’t communicate in any way whatsoever." – Caleb ([62:18])
    • "What the f*ck? That’s insane." – Oscar (finding out total ticket price) ([61:42])
  • Caleb: “You never pay off debt—you just consolidate, transfer…You can’t do another one of these tools, including bankruptcy, until you change your behavior.” ([93:17])

• On Family Enabling:

  • "Why are you helping [your sister with bankruptcy]? ...This wasn’t helping. I think this was enabling." – Caleb ([86:45])
  • "She has no responsibility in finances whatsoever. If I’m bad, she’s like, ten times worse." – Natasha ([86:52])

• On Immigration and Work Ethic:

  • "You’re the dude. Because we have a declining birth rate...If people are going to come here, I want you. This dude’s working 40, 50, 60 hours a week.” – Caleb ([75:16])
  • Both maintain DACA status and must avoid legal/tax violations to renew work permits ([76:11]).

• On Consequences and Final Warnings:

  • “I’m sad to see that. That is sad. If they’re not willing to take a single basic step, I’m done.” – Caleb ([97:01])

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Important Timestamps

• 03:17 – Natasha admits to not being open about her real age.
• 05:44 – Natasha explains her current status as recently-fired, stay-at-home mom.
• 14:10 – Story of being fired while pregnant, possibly for break/FMLA issues.
• 16:02 – Oscar admits budgeting disagreements hold him back from marriage.
• 21:24–21:39 – Natasha and friends' "weekly/girl budgeting" philosophy.
• 37:57 / 38:11 – Debt revealed: $130,000+ consumer, not counting house.
• 53:29 – Oscar details $7,787 credit card balance origins.
• 61:37–62:03 – The Shakira concert blowup: Natasha's hidden $4,500 spend.
• 74:11 – Immigration status history.
• 93:09 – Home equity consolidation and rebounding debt.
• 95:26–97:01 – Caleb's ultimatum: sell the 4Runner or the episode ends.
• 98:45–98:53 – Natasha’s secret loan behind Oscar’s back.

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Tone & Delivery

• Caleb is candid, brash, and sarcastic—often ribbing both guests for their rationalizations, math, and lack of discipline.
  • Provides technical explanations, but frequently diverts into satirical or exaggerated cultural commentary.
• The guests (Natasha & Oscar) vacillate between defensiveness, humor, exasperation, and moments of real vulnerability (especially about employment struggles and family loss).
• The overall dynamic is confrontational but oddly light, despite serious financial distress.

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Summary Table: Financial Situation (approx.)

| Debt Type | Who | Amount | Notes | |------------------------------|-----|--------------|----------------------------| | Consumer Credit Cards | Both| $130,000+ | Revolving, frequent lates | | Mortgage | Joint| $260,631 | $1,850/mo | | Home Equity Loan | Joint| $52,281 | Used, then re-racked debt | | Solar Panels | Joint| $33,000 | 2% int, company bankrupt | | Toyota 4Runner Car Loan | Joint| $37,087 | 7%, $674/mo, equity pos | | Jetta (beater car) | Joint| Paid off | Worth ~$1,700 |

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Conclusion: Caleb's Financial Audit Verdict

• The biggest issues: lack of aligned budgeting, impulse spending, hidden debts/purchases, and refusal to make basic sacrifices.
• The relationship is marred by denial, secrecy, and emotional decision-making about money; no hope of financial progress unless both face reality, communicate, and make drastic changes.
• Caleb gives the harsh assessment: Without basic discipline and willingness to sacrifice (e.g., selling the expensive 4Runner for a “beater”), this couple has “no path—nothing here.”
• The episode ends with Caleb’s ultimatum and a call for both the guests and audience to seriously reconsider their financial habits and partnership dynamics.

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For listeners:

If you or your household see any of your own habits in Natasha and Oscar, consider this a warning: only brutal honesty, strong communication, and a willingness to track (and cut!) your spending will save you from a financial disaster like this.

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Notable Quotes Recap (with Timestamps):

• "Can we just pretend that I'm 29?" – Natasha ([03:17])
• "You never pay off debt—you just consolidate, transfer…You can’t do another one of these tools, including bankruptcy, until you change your behavior." – Caleb ([93:17])
• "If you’re not willing to take literally the most basic sacrifice in the one thing you have, there’s nothing here. And you guys are done." – Caleb ([97:01])
• "You seem like a fun person to go to the bar with, but not a fun person to live the rest of life with because you’re a liar and can’t communicate in any way whatsoever." – Caleb ([62:18])
• "What the fck? That’s insane.*" – Oscar (on Shakira tickets) ([61:42])

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[End of Summary]

Transcript

[A]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Were you guys born in the US.

[B]

We are dreamers from Mexico City.

[C]

I feel like it's maybe one of the things that's like, holding me back from, you know, like, marriage. I think she lives in a very optimistic world. She thinks that, you know, everything will magically just work out itself and.

[A]

Oh, he gets into the numbers and where they've gone.

[B]

You're an idiot. I mean, this is like a male thing and a girl thing. I've talked to all my girlfriends and this is literally how we all, like our brains work.

[A]

This way, if you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here. And you guys are done. Shut the up. I'm done. With a refreshed look and upgraded features. Download Dollarwise, the best budgeting app there is, and until October 27th, you can lock in the first three months at over 30% off or upgrade to annual and save an additional 25% and get a free signed cookbook by me. Download the dollar Wise budgeting app today and take advantage of your free trial.

[B]

Hello, my name is Natasha. I'm 29 years old.

[C]

And I'm Oscar and I'm 32 years old. And we're from Phoenix, Arizona.

[B]

And this is financial audit.

[A]

I do have to ask, is that dyed gray or are you graying at 29?

[B]

I am graying at 29.

[A]

Is this his fault?

[B]

Yes. And my kids? Yeah.

[A]

Okay. Oh, actually, kids. That's good to know. How many kids do we have?

[B]

We have three.

[A]

Okay. Are you guys married?

[B]

We're not.

[A]

Why are you sticking it in so much without taking it away, big guy? For marriage, I mean, stick it in, don't drop the babies.

[C]

Whoa.

[B]

Jesus.

[C]

I just.

[A]

What? You don't think people. For marriage? You have three children.

[B]

I don't know how they got there.

[A]

Uh huh.

[C]

I mean, I just don't really see the benefits of like, you know, being.

[A]

Married and I thought you were gonna say of condoms.

[C]

Oh, no.

[A]

Okay. Benefits of being married? Well, there's lots of things. There's legal protections, there's automatic wills essentially that are taken in. You can't testify against the other. You're not compelled to testify against the other person in a court of law. There's lots of natural benefits that come with it. There's lower tax rates. Child tax credit can stretch further. It's literally just a legal thing, by the way. But then obviously, if you guys are ready in the emotional love way, then. Yeah, lots of bad.

[B]

You should make a decent woman out of me.

[A]

He made a great woman out of you. Thanks for coming over from Phoenix. What are the ages of the kids?

[B]

We have a 17 year old daughter.

[A]

Seven team. Dude, that even made Colton gasp. I don't even like. What's the.

[B]

I am mentally 29. You can do your own math, but I am mentally 29, and I will die by that.

[A]

How old are you?

[B]

Don't worry about it.

[A]

That's kind of very important when we calculate debt and interest. Well, old enough to have kids is younger than you should be having sex. If we're being honest.

[C]

Yeah, I don't think you're gonna be able to get out of her.

[B]

Yeah. No.

[A]

Okay.

[B]

How old is this? Do your mental math.

[A]

Okay, that doesn't make any sense. You could have had a kid at like 13.

[B]

All right, well, sometime in high school.

[A]

How old are you when you had.

[B]

A kid Sometime in high school?

[C]

She. She's over 30.

[A]

Okay, are we gonna have a productive conversation?

[B]

Yes, sir, but can we just pretend that I'm 29?

[A]

No, because your compound growth in the overall marketplace, if we're thinking about how much time you have to retire is.

[B]

I am close to Denny's age. There you go.

[C]

Just put her at 32.

[A]

Okay? She's 35. We have it confirmed through documentation. What? The wrong 35.

[B]

I don't. I don't love you anymore.

[A]

The wrong with 35. That's not even a big difference. That's six years. That's so stupid. Why even do that? I'm so confused. You know that. Dramatically.

[B]

Because mentally, if you keep yourself young, you'll feel young. So mentally I tell myself I'm 29, so I feel you.

[A]

Or is she? Mentally. I can't figure this out.

[B]

You're horrible.

[A]

No, I mean, you could have just told me your age. That's a very weird way to start the episode because I asked you before I even started filming. You said 20. What the. What I don't understand. It impacts everything. Age impacts everything. We're doing the numbers. Your limited life here on Earth, all the numbers that we are doing, the plan that we come up with at the end, and the. All the interest accruing on debt or the compound interest in the marketplace is all dependent on age.

[B]

Okay?

[A]

Even your Hammer Financial scores dependent on age when it comes to retirement. So why. Why are we pretending that's so. What a stupid way to start the conversation.

[B]

I'm sorry.

[A]

It's just stupid. It's just. Come on. I wanted to come and like, I. You, we were giggling and I was like coming in feeling good and you're just. Why just it. At the beginning.

[B]

I'm sorry.

[A]

What do you do for a living, 35 year old Natasha?

[B]

I am a stay at home mom now. I just had my baby, she's three months old.

[A]

Okay, so there's a 17 year old, three month old and a what?

[B]

And a 12 year old.

[A]

So you had a kid at 18. Okay, that's not that crazy anymore. It would have been crazy at what was the math gonna be, like 13? Yeah, that would have been pretty concerning. And I would have also been looking at you. Well, well, I mean, you're at that point, you would have been three years older than me. So this is her then. So this is. It's whatever. Okay. Okay. So stay at home mother. So not making any money now, is it? Because we're afraid of you leaving the house and immediately getting lost? Because based on this conversation so far, that's my main concern. I'm afraid to let you leave the studio. Can you get to the airport? No, I don't know without him. Good luck.

[B]

No, I cannot.

[A]

Are you essentially a predator because you're dating a mental child?

[C]

No, she's not. She's not mental.

[A]

She's just a man. And you, what do you do, Mr. Oscar for a living? Oscar's a very racist name we gave you, but I'll accept it. Better than like Domingo or something?

[C]

Yeah, that one would have been better actually.

[A]

Yeah, but anyways, because your real name is actually quite a white name, so we just went like it is he. Well, I mean, it can be. I know whites with that name. But we went full sombrero and shaker with the fake name we gave you.

[B]

He chose it.

[A]

I blame. Oh, you chose it.

[C]

Yeah.

[A]

You're racist against yourself. Oh, never mind. No, no, the name he goes by is his middle name. His first name is actually incredibly, incredibly, incredibly taco driven.

[C]

It is.

[A]

Okay. What do you do for a living?

[C]

I work in construction.

[A]

Yeah, he does. Okay.

[B]

Keep going.

[A]

What do you do in construction?

[C]

I'm a carpenter. I drive the forklift around.

[A]

I thought I saw you renovating my house. Okay. You just dried the forklift around?

[C]

Yeah, for the most part.

[A]

You got gig. Out of all the construction workers, you got the gig. You get a little bit of breeze with the motion. A little bit of breeze. Dude, you're not doing this. You're doing this.

[C]

Yeah, I'm doing that. But it comes with a lot of responsibility. It's not just responsibility is good because.

[A]

Responsibility usually comes with income. I'm saying you got to get away from the physical part of construction especially. I mean, Phoenix, we're talking Phoenix. Yeah, but it's not like warm though.

[C]

Not like I get paid extra, you know, for taking on the extra responsibility.

[A]

Well, yeah, but you get less physical in the heat, in the sun and the crazy.

[C]

Actually no, I get worse cuz I'm outside. I'm outside all day.

[A]

So is it mostly construction outside?

[C]

Well, you can get it like interior, like you know, where you're working inside the building.

[A]

Interesting. I'm trying to make you sound. I'm trying to tell you you have a halfway decent part of the construction gig and you're just really wanting to tell me it sucks.

[C]

It's because everyone like things that is like, oh, is it, you know, you got the easiest part. It's not necessarily like the easiest.

[A]

Why are we dick measuring who has the worst construction job? I like, I don't know. I. I would rather have that than the person nailing on the roof.

[C]

Yeah, yeah, yeah, I know.

[A]

Okay, I'll just say that.

[C]

But don't make it seem like I'm working inside, you know, like.

[A]

No, I didn't say that. I just. Okay. Oddly defensive. You guys are interesting.

[C]

Well, you're making it seem like, oh, you got the dream job.

[A]

No, I.

[C]

Dream job.

[A]

Well, is this better than many of the others? Is it not true?

[C]

I guess it depends on your point of view.

[A]

What do you make, Oscar?

[C]

I make 31 an hour.

[A]

Very good. How many hours a week working right now?

[C]

50, 60 hours. Depends. It fluctuates a little, but yeah.

[A]

Grinding because. And you can. Because she stays at home. Is there a part of. Well, no. 3 month old didn't make sense to stay home. So is there a plan of you going back to work? Because he wouldn't have to work as much if you were also bringing an income. I understand definitely being home at a three month. I'm totally vibing with that. If he's willing to put in the work. How do you feel putting in that much work?

[C]

It's more stress.

[A]

Yeah, that's a lot of hours. 50, 60. Yeah, but stay at home, wife, it is harder to support on a single income these days. So you really got to stretch those hours to make that work. Especially three children. Wait, not married. How long have you guys been together? 17 year old.

[B]

So my two, the 17 and 12 year olds are from my previous marriage. Oh, I would love to go back to work. Unfortunately I was terminated from my previous job but I.

[A]

Because you kept calling yourself 29. Yeah. Every HR report and all onboarding processes.

[B]

Yes, that's for sure. Why?

[C]

Cool.

[A]

What hits your account per pay? What's your per pay? Is it every other week or we're talking bi weekly, monthly? Weekly. Good.

[C]

What hits? Yeah, it's around on average 14, 1500.

[A]

Why were you fired? Oh wait. Okay, let me get the math. Let's do 1450. If that's the average times 52 divided by 12 average it out. We're looking at about not bad. $6283.33 now cost of living in Phoenix has certainly gone up over the past few years. But even still sound like the most insane expensive city in the overall country. But either way why did you get fired?

[B]

But with that he does get union taken out and then I asked what hits the account.

[A]

Is that what his account?

[B]

Yeah.

[A]

That's great Nap let's go then.

[C]

Yeah, well that's being tax exempt.

[A]

Oh why?

[B]

Because my job.

[A]

Huh.

[B]

Because I lost my job.

[A]

He just recently Taxes. If you guys aren't finally joined, the kid isn't yours. Except for the three month old. The child tax credit, I mean it's not going to cover yet your income fully covering all tax. You'll.

[B]

We are going to file a joint and he's going to be head of household and we can claim the 12 year old. That's the arrangement we have.

[A]

17 is split custody.

[B]

Yep, they both are.

[A]

Okay. But even still will 6,000 cover the full total taxes you owe making because you make good money like nat6. Well that's after taxes, but no taxes. Sorry. That's after you took the amount you're putting to taxes from paycheck basically to zero.

[B]

Right.

[A]

Full zero.

[C]

Just federal zero.

[A]

Well yeah. Is there income tax in Arizona?

[C]

Okay, but I don't do it. I don't do it like the entire.

[A]

Year though you're doing it now because you got laid off. Still you're talking. We're talking. You probably make like 80. 80. I don't know how much union takes on assuming 80 you're gonna pay taxes. Especially if there's.

[C]

Yeah state especially this year I think I'm gonna be making like 65 then.

[A]

The math you just gave me makes no sense.

[C]

He just got a raise. Yeah, I get it. Like. Well even still you're gonna have to the year. But on top of that like it depends on like on the project. Like I. I was working 40 hours a week like overtime barely picked up. So it's like it fluctuates, you know, and it's not always, but you'll probably.

[A]

Still owe 2 to 3 by the end of the year.

[B]

Even with claiming both of the kids and myself, I think so.

[A]

Just about. Just about. So it's going to be close depending on a lot of things. Okay. Why'd you get fired?

[B]

So I was eight months pregnant. I had been with the company already a year and a half and I got let go when I was eight months pregnant. They told me that it was because I was not adhering to my breaks in schedule and I have determination letter like it says exactly that I was not adhering to my breaks and schedules.

[A]

I mean, why the weren't you.

[B]

Because unfortunately I get very, very sick and nauseous. So sometimes I have.

[A]

You were pregnant?

[B]

I had to like run to the bathroom and like use the bathroom.

[C]

Hold on.

[A]

I don't.

[B]

So you have to go on a queue when you.

[A]

There might be a lawsuit type thing there.

[B]

So when you go on on breaks and stuff, you have to go on a certain queue at. With that employer to go on breaks and sometimes I didn't have time to do that so I would just run to the bathroom.

[A]

Did you start taking. Did you move up from 40 to that 60 after she got laid off or have you been doing that for a while?

[C]

Well, it's. It just depends on the project. The project started picking up so overtime came with it, but.

[A]

Oh, so when the project's done, it might go down.

[C]

Yes. I got. I got lucky, you know.

[A]

When's the project gonna be done?

[C]

Well, I guess Lucky, if you wanna call it that.

[A]

When's the project gonna be done?

[C]

Rejected. Two, three years.

[A]

Oh, okay. It's a chunky one.

[C]

Yeah.

[A]

Okay.

[C]

I mean in construction they can change it.

[A]

Yeah, it certainly can.

[C]

Even with elections.

[A]

It sounds like you told Colton that you think they later off to avoid maternity leave.

[B]

I think so, yeah.

[A]

Can you prove that?

[B]

I mean they start.

[A]

How close can you prove that?

[B]

I have like documentation. I was with the company a year and a half and they never like brought anything about my breaks, my. Anything about like me taking too much time during my breaks or lunches or anything. So.

[A]

Okay. It's hard during my pregnancy show.

[B]

Yeah, just during my pregnancy they started making a big deal out of it and then I had fmla. I had approved work compensation or work accommodations and I had approved.

[A]

So what's going on financially now in the household? What are things looking like today?

[C]

It's tight budget, you know.

[A]

I hope so. Well, no, I Don't hope so, but I hope you're at least budgeting. I mean, is that 100% true? If we go through your spending and income, payroll that came in was a thousand less than you suggested. Well, 500. It was $5,836. Came in. Okay, you know, maybe a shorter month. Whatever. Maybe it was just less overtime that month. That's great. How much was spent in the household on our tight budget?

[C]

Less than what came in.

[A]

Huh?

[C]

Less than what came in.

[A]

Okay, so less than. What did I say? 5836. What do you think?

[B]

What? Counting bills and everything?

[C]

Oh, every.

[A]

Everything.

[B]

Sorry.

[A]

You don't think bills are spending?

[B]

I would say probably around 4,500.

[A]

Okay. It was $8,042. What is this tight budget we're talking about? Because that doesn't. Tight. That seems like you're blowing all your money.

[C]

Yeah, I don't know where that spend.

[B]

No.

[A]

Then where's the tight budget if you don't know where the money's going? Isn't that what a budget's for? Isn't that what a budget would say? Where the money had gone? Where it is going to go?

[B]

I.

[A]

Who runs the finances? What's the dynamic here?

[B]

He definitely runs the finances.

[A]

Okay, so you just take care of the kids, and that's pretty much it.

[B]

Yeah. And scheduling and all that.

[A]

Yeah, scheduling.

[B]

We have very active kids, so.

[A]

Taking care of kids. Okay, so you. Well, right, Isn't it?

[B]

Yes, yes.

[A]

You're scheduling the kids things, and that's taking care of. Okay. That's a weird thing to take offense to, I guess. But you're on the finances. How could you be so wrong by a lot, I mean over 2,000.

[C]

I don't know. Just kind of hoping that it would be less. I mean, I tried to get her involved in the. In the finances, but it's just not, you know, it's not there. And I. I feel like it's maybe one of the things that's, like, holding me back from, you know, like, marriage and whatnot. That is like, this. What we don't. We don't necessarily agree on, like, the finances.

[A]

Like, what do we disagree on? What's. What's the big conflict here?

[C]

Her way of budgeting is just. I don't know, it just doesn't make sense. Right. Like, I don't know, like, it just. She said, like, she tries to do it, like, week by week and saying, like, you know, at the end of the week, we'll have extra money, but it's like it, it's not really extra money, you know, and she thinks that it's free to spend.

[A]

Well, how is she thinking this? Why if you're the one, if you're the one running the finances, why is she thinking this?

[C]

So she doesn't, she doesn't like the way I do it, so she tries to do her own.

[A]

What do you think? What do you not like? He says you don't like something so.

[B]

I can show you. He uses this app that's called budget.

[C]

I use an app.

[B]

I don't know, but he wants me.

[A]

To follow the should use dollar wise new features launched today as filming.

[B]

Oh, maybe it's not, I don't know. But he wants me to go in there and like categorize everything that annoys me and it's so tedious.

[A]

Well, first of all, that's a bit weird because again, if you use dollar wise it would be automatically categorized. Fix a couple things once and then it automatically fixes it forever. So there we go. That solves that issue.

[B]

But oh no.

[A]

Oh, I have all day.

[B]

No, I don' A three month old breast.

[A]

I know, but you can hold the phone while it sucks on the tit.

[B]

No, you cannot. You have to support the head and the breast.

[A]

Fair enough. Put it down then. Look at the budgeting. This is like the, these tweaking the categories things, if you do it every other day, does not take that long. Unless you're going out there and blowing all your money endlessly, constantly, like lack of sleep.

[B]

I sometimes I don't even feel like I'm here. Like, I'm like zombie mode. I'm like running on like fumes.

[A]

Okay, so after we did the 2 tax credit, had a household with her as a dependent, I guess.

[B]

Yes.

[A]

With the money you've likely set aside for taxes this year so far, meaning you're gonna have to pay 3317ish in federal, not state taxes. And that was probably set aside this year so far already. So I think you might be okay. I'm extra careful. I don't know. I don't want to promise that it is not my fault if you owe money by the end of the year, but that's at least what we're seeing. Okay.

[C]

I'm just hoping my tax lady can work up some magic.

[A]

Why do you have a tax lady though? You're just literally, you know, you're taking standard deductions saying you have a kid. Why do you have a tax lady? You don't really have a complicated thing. Are you a Contractor.

[C]

No.

[A]

Yeah, exactly. Why, why do you need a CPA specifically?

[B]

I started doing our taxes so.

[C]

So that they can work in that.

[A]

Doesn'T know the money of the household at all. Nor the categories of anything that is happening. But is that not true?

[B]

But I can do the taxes. Okay.

[A]

How? You don't know what the happening. How?

[B]

You're so mean.

[A]

Am I? You just. You don't know. Can you like, is there a rebuttal is like you don't know what's happening. How are you the tax person?

[B]

But when it comes to the taxes, I can go through like the prompts and through the system and like.

[A]

I mean, as far as I know, this is, this is what I have through. The conversation you guys had with Colton before is that you guys who he tries to sit you down in budget and you just simply don't listen. You just don't listen.

[B]

I do listen.

[A]

Oh, bullshit.

[B]

He is so. He's very.

[A]

Oh, he gets into the numbers and where they've gone.

[B]

Yes.

[A]

And what's the alternative?

[B]

I just want to have a breakdown of every week what needs to go out.

[A]

The monthsly budgeting that just gets way too far.

[B]

Listen to me. I want to go through everything that's on the week, every week and then at the end of that week have what we need for that week. So the amount we need the amount that's set aside for future bills. So for next week or the week after. It works for me. When I was living by myself.

[A]

Well, you're incorrect.

[B]

When I was living by myself and with my apartment and my own kids, it worked perfectly fine. And I was able to pay all my bills and I was able to pay a month.

[A]

You had no debt.

[B]

I did have debt.

[A]

Shut the up then. What are you talking about? Clearly it didn't work if you had debt. Like what? That doesn't make any sense.

[B]

Well, I was saving up to buy our home, so it didn't. Yes, I had debt, but unfortunately sometimes I just had to put some stuff on credit card.

[A]

As in your budget didn't work because.

[B]

I was learning to live on my own. As learning? Yes.

[A]

Well, when did you break up with this dude? Or how quickly did you guys. What you met? Wait, six years ago, you guys met? Right? You guys started dating six years ago?

[C]

Yeah.

[A]

So what are you talking about? What are you talking you talking about? Over six years ago.

[B]

I literally live with myself for only like a year. So I learned to start paying for my own stuff and all that.

[A]

This was so long ago.

[B]

I don't Give a f. Okay, but.

[A]

I'm it's also weekly budgeting just doesn't work because there's things that don't hit weekly. Rent's not a weekly thing. Car bills on a weekly thing. It doesn't make sense. When a massive expense comes that might be 30, 40% of our income, like rent, sometimes 50%. That doesn't make makes sense to budget in weekly because a weekly amount wouldn't cover that. You have to budget it monthly and make sure you have enough money.

[B]

Caleb work for you? I've talked to all my girlfriends and this is literally how we all like our brains work this way. Maybe this is like a male thing and a girl thing because oh are.

[A]

You really gonna do guy math versus girl math?

[B]

I swear to God it's different. All my girlfriends have the same way of budgeting.

[A]

And I have a little question for you. Let's play some trivia. Did your friends or did I accumulate a quarter million dollar net worth before starting a very successful business by 25? Which one? Getting rich in 2025 is actually way simpler than most people think. You don't need years of experience or a fancy degree from Harvard that leaves you in debt. You can actually start earning in just a few weeks. Whether it's a high paying job or just you wanting to launch something of your own. AI isn't just helpful anymore, it is a requirement. And nearly every job today demands AI skills as chances of people who are skilled with AI is 130% more than the rest. Worry not. I've got good news for you. This weekend you can join the two day AI mastermind workshop by OutSkill, the world's first AI focused education platform. It's happening this Saturday and Sunday from 10am to 7pm Eastern on both days just by attending the 16 hours with the expert mentors. Learners from Outscale have built and shipped over a hundred AI products all with zero code and working revenue models of 4,000 to $5,000. By the way, it's rated 4.9 out of 5 on Trustpilot and it's highly credible. Now what makes this different? Firstly, it's just a 16 hour short commitment which is best suited for someone with a busy professional schedule. You also get free lifetime access to outskills exclusive paid AI community to grow alongside 5,000 plus AI first professionals. And also their AI learning dashboard is super seamless to navigate which enhances your overall learning experience. Over 10 million people have attended this training in the past year across different industries and now it's your turn. During the two live training, you'll learn 10 plus powerful AI tools, prompt engineering, automating your workflows, and building AI products without code. Limited seats available, and they're filling fast. Grab yours now via the link in the description. Pay us join the WhatsApp community to stay updated before the big blast Look, Private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, Grandma. Why Refi says Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Why? Refi has gotcha. They'll rearrange your payment plan, ease the monthly hit, and even let your poor co signer off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what? 4.6 stars on Google says why Refi actually picks up and treats you like a real human shocker, right? In finance, that's about as rare as me not slamming the desk every single episode. So if you're done fantasizing about robbing a bank, don't do that. By the way, check out why Refi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to yrefy.com hammer that is whyrefi.com hammer or call 889-733-978 that is 889-733978 and see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. Which one? Which one had that? Cause it wasn't my YouTube money that did that. Which one accumulated a quarter million dollar net worth? Okay, so whose system likely works versus not do they have debt?

[B]

But again, do they have that? Do they have dad, you're a guy.

[A]

What does that mean?

[B]

I don't know. I don't go into their deep like their finances.

[A]

Why the are you listening to people? You don't even know if their finances are working or not.

[B]

Because I'm not going to Pride in their, like.

[A]

But why do we trust that it works?

[B]

I'm just saying that all of us girls think the same way.

[A]

Little sexes.

[B]

No. My click. My little girlfriend click. Not all girls. Just my girlfriend click.

[C]

Yeah, I don't, I don't get that. I don't.

[A]

Do you hate them? They sound horrible.

[C]

Well, no, I, I wouldn't say I hate them. I just don't know.

[A]

You guys have a click name. The Click.

[B]

You're such an ass. Thanks.

[A]

Like, I, I. Why are we listening to people if we don't even know if they're successful or not? Like, would I listen to a random person on the street or even a friend? No. Okay, for example, there is actually someone in my friend group who always tries to talk about, you know, what should be done to the world of business, yet he's never built a business in his life. Why would I listen to that person? Like, why would I?

[B]

I'll ask them about their, like, if.

[A]

I saw them build a successful business, then let's do it. He has experience. He would know what's going on. He doesn't. So it's like, okay, I listen and I nod and then I don't do the things he says because he has no real world experience with it. Like, you don't know if they, maybe they're complete failures, maybe they're not. And you don't see it on the outside. No one shows it on the outside. In the United States, we just put everything on debt and we look like we're living a good, normal, middle class, upper middle class life no matter who you are.

[B]

True.

[A]

Huh. So why the are we listening to them? Girl brain versus boy brain? This is stupid.

[B]

I don't know. I just, I. It works.

[A]

Why would a boy do it different? Come on. If that's what you're gonna say. What's the why?

[B]

It just when he talks about it and he like, breaks everything down. Like he wants everything very rationally instead of emotionally. You're so annoying.

[A]

Come on. If you're gonna go boy brain versus.

[B]

Girl brain and like, he like, wants everything categorized and it just, It.

[A]

You don't want it categorized?

[B]

No, I just want to know, like.

[A]

Housing should be in the same category as going to McDonald's.

[B]

What housing should be what?

[A]

You're annoyed that he categorizes purchases and expenses.

[B]

So that's why I just want to know, like, what needs to go out every week and what needs to, like, be set aside for future.

[A]

But you don't want to know to what and also Weekly doesn't matter. Again, this isn't boy brain versus math brain. Let's say. What's your rent?

[B]

1850.

[A]

Okay. 1,850 divided by the what I'm going to round down to as $6,000, not 6,200 on a monthly basis. Okay. That's 30%. Now, there's usually four weeks in a month, right? Do we agree on this?

[B]

Yes.

[A]

Do we agree on this? Colton, may I have a whiteboard? I just. I really want to draw out what a boy brain thinks.

[C]

See what I have to deal with when I'm doing a budget?

[A]

Yes. I would divorce her immediately. Even though you're not even married?

[B]

He's not married, so he can't divorce me.

[A]

That's what I just said. Okay, so there's four weeks. Here's a week.

[B]

Oh, my God.

[A]

Here's a week.

[B]

He's already doing it wrong.

[A]

Here's. I'm doing it wrong.

[B]

Yes.

[A]

How am I doing it wrong? You don't even know what I'm doing.

[B]

I need horizontal.

[A]

These are four weeks. Right?

[B]

Okay.

[A]

Okay. Do we agree?

[B]

Sure.

[A]

One, two, three, three, four. Yippee. We figured it out. Now, if you're budgeting weekly, of what money goes out on a weekly basis? Well, fun fact. Rent hits once and. Yeah, there it is. So that's the first week. Rent is 30% of income. If we're budgeting weekly, each week is only 25% of our income. That means this is. Cause this is already overfilled by rent. You can't budget weekly. Cause it's already gone. It's done. It's obliterated. It's ruined. You have to budget monthly. Because if you budget monthly, rent is holding this, and then you can figure out what to do. Week one. This doesn't make sense. You can't budget weekly.

[B]

See, again, this is what makes sense to you.

[A]

Okay, Girl brain math. Erase this and do it for me.

[B]

So girl brain, Girl bring girl. Bring your face.

[A]

What was the. What does that even mean?

[B]

I don't know. Okay, so the way I like to do it. Yes.

[A]

The girl brain method. Gotcha.

[B]

Okay.

[A]

We went horizontal. Yeah.

[B]

So I like to think of everything that's gonna come out this week.

[A]

And can you explain what everything is here? I explained what everything is so I could. So you could follow.

[B]

Okay, sorry. Mortgage the.

[A]

No. What are the lines?

[B]

This is one week, one week, two week, three weeks, and four weeks.

[A]

Okay, so there was no line for the fourth week. That's.

[B]

Oh, my God.

[A]

See, I just want to make sure I'm following him. I'm just.

[B]

What? You're so annoying.

[A]

What are you on about?

[B]

Anyways, so whatever needs to come out this week, I need to know what monies we need here and then what's left over, and then whatever money's from left over here. I need to know what needs to go on the next week, the next week, and the next week, and what's left over for each week. And I would love to have whatever's left over here go to the next month already, but it's not possible.

[A]

No money would be left over.

[B]

I want to build it up so that we can have money left over. So that's the thing where I get annoyed with him because I'm like, okay, you're telling me that this money is left over in the account?

[A]

Budget isn't savings. A budget's just like the money going out. That is savings. Huh?

[B]

I know it's not savings.

[A]

Then how can you only spend half of the first week when your rent is 30%?

[B]

I don't know what you're saying, but.

[A]

What if rent is 30% of your income? Then each week is broken down to 25% because you get paid weekly.

[B]

This is what you, like, guys, like, mentally cap yourself because you're like, oh, we're already, like, here.

[A]

I'm just confused.

[B]

We're already here. We're already spending all of this money.

[A]

I'm like, maybe I'm mentally capping myself. Can you ask. Can you answer me how this works?

[B]

You need to start building your money. So I need.

[A]

So you're talking about reserves? You're talking about savings. Savings isn't budgeting, though.

[B]

Are you going to let me talk?

[C]

Yes.

[B]

Reserving money and then having money set for the next month's bills already. So I need to have everything for the next month already, every month. So right now I want to have everything for November already. And then after that, I. Once we have money left over, and I know that we're going to have everything for December, then I know that we have savings, and that needs to go into a different account.

[A]

Brought in less than $6,000 and spent eight. I don't think what you guys are doing is working. Why are we. What's your thoughts on this? You're not saying a thing. Because what the is. What am I witnessing?

[C]

It's because I'm still trying to understand her method. We've had this conversation over and over, and I still don'. Understand her. Okay. Like, I kind of get part of it, but she's like, Moving ahead to the next month when I'm still trying to figure out this month.

[A]

I mean, she's. Well, listen, when we're budgeting on a monthly basis, this is what a budget actually looks like is you say we have this much money to spend or well, the expenses are this. And you tell your money where it's going. But you're talking about reserves.

[B]

Yeah.

[A]

You don't even know what's required on a monthly basis because you won't do a budget and figure out what categories are when you're not willing to cut down and you break down where money is going on a category basis. You can't know how much is required for the next month.

[B]

You cut down if it tells me.

[A]

Like, no, no, no breakdown. You're not willing to see where money is going on a category basis. So you can't say what November costs to save up for in the month of October.

[C]

I will say it's hard to stick on a budget with three kids.

[B]

Yeah.

[A]

What do you mean? That's. You. Are you telling me people with children don't budget?

[C]

No, I'm not saying that.

[A]

Shut up. This is more expenses. But you have to choose.

[C]

I mean, I don't expect you to understand. You don't have any kids.

[A]

No, but I have a budget. You do not. Yeah, but I have money. You do not. I've been successful in life. You have not.

[C]

But you don't have.

[A]

You are 32 and you are further behind than I was at 1.

[C]

And that's okay. That's a weird, like, I mean, so.

[A]

This has nothing to do with.

[C]

That's fine.

[A]

It's not bragging. But if you're gonna say I don't understand because I don't have kids. Oh, I understand numbers, big guy.

[C]

No, I'm not a.

[A]

Children. A child is not needed to be involved to do a budget.

[C]

I'm just saying it's harder to stick to the budget when there's kids involved.

[A]

Because you just have discipline.

[C]

Big like everything seems, you know, easier on the outside. Like they say it's easier said everything.

[A]

Everything is easier on the outside than not. But if you have a little bit of discipline, you can commit to any realistic budget and you can follow it. You tell the money where it is going. If it is. No. If you've overspent on a category, you tell them, no, we cannot go to McDonald's today.

[B]

I will say my kids were not very used to. To being limited.

[A]

First of all, first of all, a 12 year old and 17 year old can handle A conversation saying, hey, we don't have as much money right now and we're trying to fix some of our mistakes.

[B]

I wish you met my 17 year old.

[A]

Okay then your 17 year old's a piece.

[C]

But what about for like Sports?

[A]

Like he's 17, he's basically an adult. She is a child. She's living the tick tock frontal lobe 25 year old life. She's almost 18. She can have independence and sign up for the military at 18 and she's being a dumbass. Wanna know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollarwise today day, you'll get to try for free. Plus 3 months for just 9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

No, she's not. She has a job. She works, she pays for a lot.

[A]

I don't understand. She's not someone I'd want to have in a workplace. If she can't handle a conversation about needing a budget. If she is that immature of a. It's that I don't want to hear.

[B]

We are gonna.

[A]

She needs to handle. She needs to handle conversations. If she can't handle. Dude, she's about to literally potentially go to college and live on her own. If she can't handle a conversation about how her parents need to come back, then I don't want to hear about her.

[B]

I wasn't saying she needs to handle it. I wasn't saying that when we first met.

[A]

No, no, no. You just said I I wish I could have heard a conversation with my.

[B]

17 year old when we first met. It was hard to tell her no.

[A]

Okay, congratulations. It's not six years ago.

[B]

Okay, I don't give a. She now understands better. She not when I lost my job.

[A]

Okay, then there's no issue.

[B]

You're right. When I said when I set them down when I lost my job and I told them, hey, things are gonna be a little bit tighter. They understand.

[A]

They do now why the bring up? It's harder to budget with a child and they can't handle that conversation. What are you talking about? You're backtracking real quick.

[B]

Why we build up.

[A]

Why do I care about earlier?

[B]

Because this is why we build up debt.

[A]

What? Dude, I'm talking about now you guys are saying it is harder to budget with children. It is an extra thing put in there. Of course it's a little. The more and more things you put in there, the harder it gets. That is an objective reality. That doesn't mean you can't.

[B]

You're right.

[A]

So what are we talking about?

[B]

They're very accurate.

[A]

You know why it's harder to budget? Because the two people that are supposed to be budgeting together can't agree how to budget, can't agree on how to spend money. If there's bonus money, you blow it.

[B]

What?

[A]

You know all the numbers, even though you don't. Because we talked about it and you didn't know what the was actually going on. And then she's just out there doing whatever, not even being involved. So that is what I would say makes it harder to budget out because you have children.

[B]

Well, I will say since they're active, they have tournaments and such. So when they have things going on.

[A]

Out of state, the budget.

[B]

You're right. If I was involved in the budget. But when it's like things that they have going on, I just say, okay, yeah, we're going to. We're going to California. We're going to Vegas.

[A]

Then you're a bad mother.

[B]

I want to be there. I want to go to the competition.

[A]

Budgeted in. You guys make money. Well, guys also have that. How much debt you guys have?

[B]

Oh, yeah.

[A]

Over a hundred thousand dollars of debt. That's not even. That's not even the house. Literally. Wow. 133. $130,000 of debt. That is not the house. That is not the primary mortgage.

[C]

I didn't think it was that high.

[B]

Yeah, I didn't either.

[A]

Oh, good. I'm glad we know absolutely nothing. Listen, you. I understand because you don't know a single thing in this world. I don't know how you've survived this long. You. You look at the numbers. How the. Do you not know? Isn't our goal to pay off the debt? Apparently not. Not if you don't know how much debt there is.

[C]

It's. It's difficult. You'll probably see once we start getting into the finances. I kind of. She ran her finances one way and I did mine. I mean, you already saw, but obviously, you know, like, she has her credit cards. I Have my credit cards, you know.

[A]

And so she ran what.

[C]

She has her credit cards and I have my credit cards. And you know, they're not all joined.

[A]

You don't communicate about the overall spending because obviously we have to put money towards the credit cards when it comes to paying minimum monthly balances at a minimum. You guys just don't talk, do you?

[C]

I mean, we try to, but like when she had a. She had a job, she had like some money from her paycheck put into her own account that.

[B]

Yeah, I would have my own credit card.

[A]

I mean, you guys aren't married. Maybe you should do finances separately for now. I don't know.

[B]

Not married, so.

[A]

Okay, so she wants to get married is what I'm picking up.

[C]

But we can't. Like, I'm just asking for this.

[A]

Wouldn't it make more sense? So just get married six years in, we have a kid together. Right. The kid was his. Right.

[C]

I just don't see like the point. Like.

[A]

Well, I already gave some reasons.

[C]

Yeah, but it's like, I don't know, like, is it tax pennies? I don't know. Think is necessary. Like, I mean, we're.

[A]

It's not, I guess 100 necessary, but it makes complicated things a little less so.

[B]

I already gave him a daughter.

[A]

Gave him. Okay, interesting.

[C]

But I mean, you probably. We could probably talk about that later, you know.

[A]

What, the kid.

[C]

No, no, no, no marriage down the line, you know.

[A]

Why? I mean, I don't understand. You're blaming her running up on credit cards, but you're running off credit cards as well. Someone ran a train on her before. Now there's the 17 and 12 year old that apparently we can't have a conversation with. Like, if that's just what we're blaming things on, like, I don't get it. Can't have a conversation with them.

[B]

Yeah, see, he wants me to be financially responsible, but I'm not his wife, so I don't have to really listen to him though.

[A]

Come on, you guys are acting like life partners. I'd be okay if you relatively combined Elise overall aspirations, even though legally you don't have those protections that would protect you afterwards to just get married. Yeah, why not? You don't have to do a big thing. Just do it for the protections at a minimum. I think she wants what scares you.

[C]

I think she. What scares you what scares me is the, like that she was going to want a big wedding.

[B]

Oh my God, that's not even true.

[A]

No, no. Do that in a couple years. Just get the Legal protections now.

[B]

Like go to the court and sign papers. No.

[A]

Okay, well, maybe you're right.

[B]

But I was saying, like, go like, his mom has a really nice big house, so I was like, just do a backyard wedding. Like, I don't. I'm not even asking for like a big.

[A]

Yeah, but you guys don't really have money to do that.

[B]

But we can get padrinos.

[A]

Okay. Nobody knows what that is.

[B]

Godparents. Well, it's not a goddamn have to.

[A]

Do with you not spending money.

[B]

It's like a Mexican thing. Like you ask for like basically financial help. Yeah. To help you with certain things.

[A]

Well, that'd be great if they can. Who knows their financial ability or if they would even want to. But do What? They cover 100.

[B]

Oh, no.

[C]

I mean, they don't.

[A]

You don't have money. You're overspending your.

[B]

How much retirement you got right now? Because I've taken it out.

[A]

Oh, that's a giggle. We're giggling at that. She's giggling. Hey, your future wife is giggling at the fact that she took money out of her retirement.

[B]

I lost my job three times. And that's why I had to do that.

[A]

Stop getting fired.

[B]

I'm not getting fired on purpose.

[A]

Well, does anyone. I guess that's kind of quiet quitting in a way.

[B]

Yeah, that's a trend.

[A]

But that's an old trend now it's quite firing.

[B]

I had some really bad things happen in my life, some family losses, and unfortunately affected my job performance. And that's why.

[A]

Three times.

[B]

Yes, three times. Unfortunately, my mom and my baby sister passed away one year apart.

[A]

Yeah, it's tough. It's fucked. And I'm sorry, but I was probably.

[B]

Not the best employee. I'm not.

[A]

Well, I mean, knowing this and you're lacking communication with the person you want to marry, I highly doubt you communicated with the boss of what you're going through. And I mean, they will give some grace. Grace. Most normal bosses will give some grace, but not permanent grace.

[B]

I asked for a couple. They. They literally asked me to go back like a week after my losses. And I'm like, I need more time.

[A]

They're like, well, what were your jobs? Not the. Not the companies. Just like, what was the, like, job?

[B]

The first one was at the financial credit union. The second one.

[A]

Okay, so yeah, it's a credit union. You're right. They're going to be more corporate. You know, you got to do the job. They can replace you like that. That's fair. That makes sense. I understand it. That's not how I would run a business, but I get it. Okay. Next one.

[B]

The next one was administrative assistant.

[A]

Well, yeah, they kind of need that almost like 24 hours a day. So I also kind of understand that one. What again, would I do it? Not necessarily, but I understand it. You're gone.

[B]

Yeah. And third one, the second one was my. Was my baby sister. So that one really affected me.

[A]

Oh, yes, I get that. I understand it. But I also understand the job.

[B]

Yeah.

[A]

Like, they can just go get someone in like two seconds.

[B]

No, for sure.

[A]

Okay. And the next job was.

[B]

Well, the latest time was because.

[A]

I know, but what was the job again?

[B]

It was just processing, like back again.

[A]

An easy one to replace. So I understand why they would want someone in there who's just going to do the job even if there's tragedy going on. Sucks. But I do understand it. There's so many things to talk about. Okay. But I just. I have to get any of these finances. I'm just. My big concern is we're getting these finances, but we haven't even come close to any kind of resolving of just how you guys view budget. Because if you. If you guys. Guys, we can walk out of here understanding the debt and where the spending is, but if you guys are not aligned on how to budget and how to communicate, there's no conversation. You guys are.

[B]

I will, I promise, if we have a good plan and a good way to get out of debt after this, I promise I will start.

[A]

You won't even monthly budget.

[B]

I'm saying I will start doing it.

[C]

I try to get her to. To do a budget for this month. And what happened? She. She fell through. She didn't. She didn't do it. I. I told her before the. The previous month ended, like, hey, can you work on it that way? Like, you know, you can put in things that you want to do or like, you know, like if there's certain, like, things that you want to spend on that you can put it on there and see so you know, you know how we're gonna be for that month. And she couldn't do it.

[B]

And now he wants me to ask permission every time I spend.

[A]

Ah, the permission thing gets a little weird. And not the marriage or the dynamics is because you're an incredibly untrustworthy person when it comes to finances. When it comes to finances. Not saying you're going out there and taking dick every day. I'm not saying that. Neither is he. I don't think. I don't think he's taking dick every day. Either.

[B]

I don't think you are either.

[A]

I'm not taking dick. Every day. I'm giving dick.

[B]

We'll have to ask your partner to confirm that.

[A]

But yeah, she'll confirm that. And also, we have fun. We have fun. I'll tell you that. But also, yeah, but money trustworthy. So I understand that. And you know, and then it gets a little maybe over controlling where it's like permission spending. It's just like. It's hard. It's hard. It's hard. It's hard. It's hard.

[B]

Yeah, for sure.

[A]

I'm going to go three, two, one point on point. I want you guys at the exact same time to give me what you think your financial score is. 0 to 10, 0 being the worst, 10 being the best. Okay.

[B]

Okay.

[A]

3. Trace dose uno.

[B]

5.

[C]

1.

[A]

Almost at the same time. You're. Why again, why 5? Why do you think you're middle of the road, Caleb.

[B]

F you. Okay, I think everybody has debt.

[A]

Okay, that's not true. But yes, Americans love debt.

[B]

I think that. I really think that I try not to spend as much or try to like, do everything I want to do. So I try to hold myself back and not spend as much.

[C]

I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself and like, she doesn't care about the numbers who like what the numbers are showing. She just think everything's just going to get resolved out of nowhere.

[A]

Magically eras Rita Suarez.

[B]

No, you said it wrong.

[A]

But I was close enough to get my point across. Don't speak. I don't speak terrorist. All right, listen here, Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to webull. Do the same and transfer to my investing app of choice. And you get cash bonuses of $200 all the way up to $30,000, depending on initial funding amounts, and up to 8.1% APY on your money and up to 3.5 matches for your Iraq. And then number two, a great new checking account that I've switched over from SoFi, and it's called Chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up incentives are only five bucks, but you get $20 with my link number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to helium. Get a literal zero dol or a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com you will not regret any of these. Change your life today. All right ladies and gentlemen, excuse me if I don't know. That could have been you could have. That could have been full Al Qaeda. I don't know what's happening.

[B]

You know I'm Mexican.

[A]

I don't know what other languages you speak. All I know is I got a little intimidated, okay? That's all I'm saying. That could have, could have been with the chanted before the plane head. I don't, I don't know what's happening right now, okay? That all sounds gibberish to me.

[B]

You are gibberish.

[A]

I am from west Michigan where I saw approximately two people that weren't white my entire life before coming down to this diverse location.

[B]

Did that you from Texas this whole time?

[A]

Nope. If you watch your financial score Hammer Financial score. Trust me, you're probably not a 5 out of 10 unless you're doing halfway decent. Then you know you'd be getting up to there. See where it is. See where you need to do better. See where you're already doing pretty okay. See where you're completely Caleb hammer.com it is free and if you don't want to be like a guest who ends up on the show, download the dollar wise budgeting app, sign up for your free trial and if you like it you can sign up for the annual version to save a ton of money. And when you do only for a couple more months, I will personally sign my budget friendly cookbook and mail it directly to you. Dollar wise.com okay, here we go. We got our chunky one at the beginning. So yeah, I mean on your record when people do employment searches, I mean your record is going to show firing on a lot of the employment databases. If they marked it as such, they will see you as fired for performance. How are you going to get another job? I don't even know. I'm concerned. Three firings. Unless they're not marked as firings and it's like layoffs, stuff like that. Okay, that'd be different. But straight at fire.

[B]

I'm not sure but I've been very lucky getting higher.

[A]

Yeah. To what wages? Cuz these don't sound like.

[B]

I mean, you know, my last job was probably the worst one that I had. I was making like 19 going down.

[A]

Yeah, 19. Phoenix ain't cheap, but you guys together now? Yeah, it. It provides. It provides. It's not bad. But of course, on your own, I mean, yeah, I. I don't know. But $7,787 out of the gate, Chunky. As, of course, you guys couldn't send a statement because people don't know how to use anything. Who has that one?

[C]

There was no statement for that one.

[A]

Always is. Who has their phone.

[C]

No, there's no statement.

[A]

There is who has their phone. Yes, there is. There always is. There's no such thing as not a statement.

[C]

It's not a statement.

[A]

Dude, this is Discover they have statements. It literally pull it up.

[B]

Statement summary. Right?

[A]

It's coming up.

[C]

It's loading. Your wi Fi sucks is literally loading.

[A]

See, I believed you. I didn't think it like wasn't literally.

[C]

Loading, but that one is.

[B]

I sent my discovery.

[C]

I don't know if you want to look at it, but there wasn't.

[A]

That's why I asked for it.

[C]

Because. Because if you can see on the.

[A]

Screenshot, what's your normal minimum monthly payment, big guy? Okay, here it is. 156.

[C]

156.

[A]

Wow. That's never gonna get paid off.

[C]

It barely came up, right? Because I. I barely did that.

[A]

So I clicked view statements.

[C]

Oh, yeah.

[A]

Then September. Then there's the stage at the time I sent it. That was hard.

[C]

There was only the screenshot.

[A]

That was a very difficult thing. No, that was so hard. Fees. 370 of fees. Was this a transfer? Yes, dude. Chunky. Why?

[C]

Because we couldn't afford to pay it.

[A]

Can you even afford this?

[C]

Well, we, at the time, we couldn't. So this is when she, like, lost her job. So, like, we weren't gonna, like, we're gonna.

[A]

This is why a six month not having an emergency fund is an emergency. You never know when you're gonna lose a job. You never know when you're gonna be pregnant. And at the same time, you never know when that's gonna happen. And that is very. That is a scary combination, lady. And then all of a sudden you get fired from three jobs in a row.

[C]

So I had to do that balance transfer. It's not like I wanted to, but I had to do it because we weren't going to be able to afford like all the bills for the next month. So in order.

[A]

I mean, I would have called first and like, asked for Hardship due to a layoff. And they would have put you at like a low, like 1% rate thing for a little while. Usually they're pretty lenient. They would have done that for maybe six months instead of taking this massive 10 fee out of the gate. You just got. Well, not 10. Let's see, what, what did we get hit with?

[B]

Can we do that with Discover now?

[C]

They said it was 5%.

[A]

Yeah, 5%. You just got hit. That wasn't 5% accruing. That was 5% just.

[C]

But now I got 0% for a second, which is going to make up for it for a little bit.

[A]

If you called, you wouldn't have had an extra fee. Maybe 1%. Well, it doesn't matter. It's transferred onto a 0% card.

[C]

But again, it was just to make. It was just to make. We're talking about the budget.

[A]

It's not even a full year from now.

[C]

I think it was like. I don't remember if it was 10 months or 12 months.

[B]

Months.

[A]

10.

[C]

10.

[A]

Which is not less than that. So it's. Luckily, I mean, it's not accruing deferred interest, but this thing's chunky, dude. This is a huge debt. Decades to pay off. Decades to pay off. Minimum payments only without purchases. And that's if you don't purchase because you do have a little room to purchase. $1,713 of purchases can be done. That's crazy. Now, why'd you rack up that credit card in the first place? That had to be transferred? Because here's the reality. You weren't racking up that credit card when you were laid off. You transferred because you're, well, not laid off. Fired.

[C]

So a lot of the balances. I like to give gifts. So when. Christmas time, birthday.

[A]

$7,787 a gift.

[C]

Well, I mean, Christmas. We've also, you know, taken trips. Last year we went to Miami.

[A]

Not without an emergency fund. That makes no sense. That makes no sense.

[C]

I mean, it makes sense at the time.

[A]

It does not. It never makes sense. Nothing makes sense about spending fun money when you do not have an emergency fund. Because look where we are today. Just ate 5% like that. Because you didn't have an emergency fund to cover your payments for six months.

[C]

But it was, it was to go see Lionel Messi. I mean, I don't know if you're in Miami fc. No, it was. It was a. Was it Copa America? Yeah, yeah, it was like international.

[B]

Okay.

[A]

What did you just say?

[B]

American Cup.

[A]

Don't intimidate Me again.

[B]

American.

[C]

That's just the name of the competition. But it's an international, so it wasn't with Miami.

[A]

Miami. But there's soccer stadiums about a thousand years from downtown.

[B]

It's football, but they don't go.

[C]

They don't go to Phoenix. Like the World Cup's coming up next year, so.

[A]

You know who invented the term soccer?

[B]

Maya? Yeah. No, the Mayans.

[C]

No, the U.S. the British.

[B]

Oh, I don't know about that.

[C]

But the Mayans, they still call it football in London.

[A]

Yeah, they do. But a lot of places call it shocker.

[B]

No, only America does.

[A]

Nope, that is not true. That is not even close to true. I believe it's Australia. Many Asian countries.

[B]

All of the Asian countries that I've listened to.

[A]

I said some Asian countries, dick.

[B]

Who's a dick?

[A]

Yes, I embrace it.

[C]

But yeah, that's what that's.

[A]

I mean, okay, that was 100 necessary. When we didn't have an emergency fund to cover ourselves in. An emergency happened and now an emergency has happened.

[C]

She had a job at the time, I didn't think.

[A]

Well, but you didn't have an emergency fund. That is when you build an emergency fund. You don't build it when an emergency is happening. That's when you spend it. You dumb. Like what do you think an emergency fund is for? It's an emergency.

[C]

Well, there was still room in that credit card for the end for an emergency.

[A]

Oh my God. And look where we are today. You just had to transfer because you can't cover the minimum payments.

[C]

But now the other one, one's zeroed out. So now that one's the emergency. So in case something does happen, that one's, you know, free. It's ready to go.

[A]

Free and ready to go. So that's. So that's what it is. So we spend it on an interest occurring card. Now that we're also. That we could see Messi.

[C]

I mean, I say it was, it was worth it.

[A]

No, because now you guys are literally dying. And I'd say your kids are more important than messy.

[B]

Yes.

[C]

Yeah, I would, I'm. I would would say that too. But I mean you, you have to see Messi before he retires. Like it's just a must as a soccer player.

[A]

Your future three year. The three month old. When you see this in the future, your parents prefer Messi over you.

[B]

No, she wasn't even born then.

[A]

Yeah, she wasn't born, dude. Was she pregnant?

[B]

No.

[A]

Okay, well the 17 year old and 12 year old, when you hear this tomorrow.

[B]

Yeah, they have Their dad.

[A]

Okay. The United States, Canada, Australia, New Zealand, Japan, South Africa, Papua New Guinea. They call it soccer.

[B]

Oh, my God.

[A]

All right, soccer.

[B]

90 of the world calls it because.

[A]

They'Re too to afford anything other than a ball.

[B]

You're an idiot. A lot of good one. A lot of places play other sports, but mostly they call it football.

[A]

Well, yeah, I mean, cricket. In the places where they like to eat crickets.

[B]

Sure, sure.

[A]

Caleb can't count. So they try to get their team somewhere.

[B]

You don't follow sports?

[A]

I, I heavily follow sports. What are you talking about? Apparently not patriotic. Sports. Freedom.

[B]

NFL, America.

[A]

I just, I mean, I don't get it. I mean, I, I. You're wearing a Japanese something where they call it soccer.

[B]

They call it football.

[A]

Football.

[B]

I've listened to Comcast. They call it football.

[A]

You've listened to Comcast?

[B]

Yeah, like when they're the announcers, where they. Commenting? Commenting.

[C]

Commentating.

[B]

Commentating.

[C]

Better.

[A]

Oh, footballer. That's what you hear. That's. That's what you hear. Oh, they call it football.

[B]

You're an idiot. No.

[C]

How have you not gotten cancelled?

[A]

Seriously, I'm uncon. I'm full goon to the max every day. If you're full goon to the max and everyone knows you're a goon, no one gives a. When you're a goon.

[B]

True.

[A]

Who? Also, we're done with cancel culture. No one gives a pearl. Pearl clutchers, tiktokers, Redditors. They have been shunned to the edge of society. Sponsors don't care. The real people who are not terminally online don't give a. There is no cancellation.

[B]

After they try to cancel Eminem. I was over it. I was like, dude, they should have.

[A]

Canceled me like 50 times. It doesn't work.

[B]

No.

[A]

Why would it? I don't have a bunch of pussies in the audience.

[B]

I do love your hair, by the.

[A]

Way, and I really don't like yours. So. PayPal credit. This is Natasha. I just have a note. I just have. Yeah, yeah, because there's no statement. So he wrote it on a piece of paper and printed it. 4, 500. She does not have the statement. Can you pull it up on your phone?

[B]

No, I got.

[A]

What is wrong with blocked? What is wrong with you in every way?

[B]

Are you gonna let me say it?

[A]

Well, I really like hearing you not talk, so I try to interrupt you, but I'll give you this moment.

[B]

My God. So I got blocked from that one because I was not able to make the monthly payment because, well, we could go To Amy. No, not yet.

[A]

Tits.

[B]

Because when I made a purchase, I don't know how or why, but apparently they open. It opened, like a debit card instead of what was my credit card. And it charged that. So I had no idea. Yeah.

[A]

What? They opened up a debit card instead of a credit card?

[B]

Yeah. So I have my credit card already, and then somehow I charged up a debit card with them. I have.

[A]

I didn't know I had even had up a debit. What is she saying?

[B]

Okay.

[C]

I don't know. So that's one of the accounts that she handled on her own with the money that she was getting on. On the side to her own account. So I have no idea. I do. I do remember just seeing statements about it, like, past due. And when I talked to her, she said she was gonna get. She's gonna take care of it, but that never happened.

[A]

Still confused on what you're trying to say. I'm really, really confused.

[B]

I was on PayPal. I was making a purchase.

[A]

I'm sorry. Listen, here. Here's the reality. Here's the reality. When you set yourself off as being the arbiter of girl brain versus boy brain, you are gonna make us as a country repeal the 19th amendment, you being the arbiter of women.

[B]

I am not the arbiter of women.

[A]

I'm really trying to freaking.

[B]

Please follow Jessica Crocker. She's better.

[A]

Do we know Jessica Cocker?

[B]

She's. Isn't she one of your representatives? Texas.

[C]

It was at this moment that he knew he up.

[B]

Oh, Jasmine. Sorry. Jasmine Crocker.

[A]

You don't even know any of these people of the.

[B]

She is not my representative.

[A]

Not my representative.

[B]

Oh, well, sorry.

[A]

I don't think she's Texas. Isn't she Houston or something? I don't know. Continue.

[B]

Okay, well, I was making a purchase on PayPal. Then when I went to secure tickets, when I went to go check out, it charged a debit card with PayPal that I had no idea I even had or was a option, while at.

[A]

The same time also lying to him about the overall price.

[B]

No.

[C]

You lied about the price?

[A]

Yes.

[B]

No.

[A]

She didn't tell Oscar the full price of the tickets? Yes.

[C]

What the. Like, seriously?

[B]

I'm sorry, it's just I. I didn't get to see her the first time because my friend was getting married. So this time I really wanted to go see her, and I just wanted to secure the tickets and I wanted.

[C]

Floor tickets, so I. I had a great time at the show. But, I mean.

[A]

Yeah, that's a hero.

[C]

She, you know, she had set a price and I was like, you know, okay, like you know I got to see Messi so you know know you could see Shakira.

[A]

Messi doesn't shake it like her.

[C]

But I didn't know she had lied about the price. I mean so how much was it like?

[B]

Sorry, okay, that.

[A]

How much was it for all three.

[B]

Tickets because we took my daughter. It was 4500.

[C]

What the. That's.

[A]

But I guess that's insane.

[C]

Well, we had agreed and I was pregnant.

[A]

That's insane.

[C]

Still though.

[A]

What the wrong with you? What did she tell you it was?

[C]

It was Sue 2000.

[A]

Half. More than half.

[B]

But it was Shakira and I don't know why I was going to be able to Shakira if so my.

[C]

But you're serious. It was four grand.

[A]

You're a liar.

[B]

Yeah, sorry, but I think she doesn't give up, dude.

[A]

Why? I'm sorry, I'm sorry. Listen, she. You. You seem like a fun person to go to the bar with but not a fun person to live the rest of life with because you're a liar and can't communicate in any way whatsoever. Why the are you with her? Long term partnership? I would agree. A friend maybe. You stick it in sometimes. Friends with benefits. I'm okay with that. Oh, life partner. Why the are you choosing this one? Oh, she let her roll the collections. Yeah, that's right. Okay, great.

[C]

She's.

[A]

Yeah, that was champion hero. Hero of us, of all. Hero of all of us. The speaker of all women. No, I am not.

[B]

I am not the speaker of a woman.

[A]

Please do not wait boys. Like you think that way.

[C]

Yeah, so I, I did see the statements coming in and I kept telling her and telling her and like she just never like she doesn't.

[A]

She's a strong, independent woman that can't be strong or independent.

[B]

Never said I was an independent woman.

[A]

Yeah, that's as clear as that day. You wouldn't last a second. You did a year on debt.

[B]

I did not do a year on debt.

[A]

You literally said you're putting it on debt.

[B]

Sometimes like once or twice. Not like all the time.

[A]

Once or twice is living it on debt, dude.

[B]

Oh my goodness.

[A]

You couldn't live on your own. So this is in collections. There's no minimum payment anymore?

[B]

No, I have no access to it. I have no idea what it is, where it is, nothing.

[C]

That'S up in the air. Oh, it'll get rust off magically. That's her way of thinking. I'M sure it's gonna come back and bite us.

[B]

I don't know. Like, I tried calling them and I told them I needed access to the PayPal account so I could make payments, and they never. Like, they were like, okay, let me get you over to PayPal. I'm like, I'm not calling.

[A]

I will say this for what it's worth. PayPal phone support is absolutely horrendous. Me just trying to log into my PayPal sometimes is. It's no. PayPal is horrible.

[B]

But I tried. I promise. I did try again.

[A]

This is what I'm getting. This is what I'm getting. I'm getting this from Colton. He's engaged to. On, may we say a hot Colombian man. Like, where he. He. He puts. Are you Colombian?

[C]

No.

[B]

No.

[A]

You're kind of Colombian. He. He.

[B]

Okay. You're kind of Canadian. I'm from Michigan.

[A]

Exactly. Yeah. I got poutine on the breath, dude. But like, he. He's. But hotter. And. And they love Shakira.

[B]

Yes.

[A]

But they would never pay that much.

[B]

Stop lying.

[A]

Gone. He would have gone.

[B]

Stop lying. And he met Shakira. So he doesn't have a reason to go.

[A]

Well, yeah, he's done. Apparently. He's, like, best friends with Trisha Paytas. I didn't even know this. Like, this. This blows my mind. Like, every day I learn new pieces of lore. That is crazy. But okay. Not even they will go, sorry. They're full like the nose. Colombian.

[B]

Damn.

[C]

Again. I had fun at the show, but I danced on it, not knowing how much it was.

[B]

But see? And he was happy not knowing how.

[C]

Much I was at the time. Not anymore.

[A]

Ladies and gentlemen, you know you love him. From the Hammer squad. In Hammer Elite, we have. You can come here. Here A. The. The native Colombian himself. Yes, he is. I need A Colombian score 0 to 10 from Mr. Rico. Oscar.

[B]

He is not Colombian.

[A]

A Colombian score, 0 to 10. You can ask a few questions, then give him a score. 0 is no Colombian. 10 is full Colombian. Full Colombian.

[C]

What part of Colombia are you from? Medellin.

[A]

Okay. He has an accent. One point.

[C]

What's your favorite Colombian food?

[A]

That's a lot of thinking. Minus one point. What's your favorite part about Colombia?

[C]

My favorite part? The places, the people.

[A]

That's minus one point. Very patriotic.

[C]

Now, the Colombian accent is known to be one of the best Spanish accents. Can you give me a few Spanish words? I just know Chimba.

[A]

Minus one point. He's already at negative two points, Caleb. So is he a zero out of ten?

[B]

Don't they say Marika too.

[A]

He's a negative two out of ten. One more. Soccer.

[C]

It's a big part of Colombian culture.

[A]

Who's your favorite Colombian player?

[C]

James Rodriguez.

[A]

He gets one more point. But what's he at? His overall score. Zero. Ten. Negative one out of ten. Negative one. Okay, if you want your hammer Colombian score, go to calebhammer.com Colombian.

[B]

Shouldn'T Colton me like the score?

[A]

Colton takes Colombian. Dick. He's not Colombian.

[B]

Okay, never mind. I don't want you to score that.

[A]

Okay, so I guess I can move on. If we don't have that and we don't know where it is right now, I'm sure it'll hit your credit collections at some point. What's Desert Financial? Credit Union. Okay. We have a credit card with credit union. This wasn't transferred. It doesn't look like purchase 43. Why are we purchasing on a car that we cannot fully pay off that is accruing interest? Why the possibly why?

[C]

Oh, I don't remember what we purchased on it.

[A]

It's yours.

[C]

Yeah, I can't remember. I want. I might want to say it was the visit to the pediatric pediatrician.

[A]

A copay, perhaps. Oh, the 43. Why is the balance so high? What is. What's going on with this card?

[C]

Well, that's one of the ones I transferred over to the. To the Discover.

[A]

Oh, and there's still a balance? Yeah, to me. Hey, this lower balance now of $4,330.01 that has a minimum payment of $114. How long does it take to pay off if we do minimum, minimum monthly payments only without any purchases, like 10 years.

[C]

I want to say like 10 years.

[A]

11. Yeah, 11. 27 year old, 28 year old is what your kid will be.

[B]

Is that what you bought? The robot on robot secret.

[A]

What are you buying?

[C]

Yeah, what.

[A]

What are you buying? Robots.

[C]

It was a cleaning secret.

[B]

Robot.

[C]

Yeah, it's a cleaning robot.

[A]

Yeah, they're not.

[C]

It wasn't that brand. But wait. No, it wasn't. It wasn't the full amount. That wasn't the full.

[A]

Are you guys like known for being very good at cleaning?

[B]

When we get paid to do.

[A]

I know what else? Sweeps and mops. Women. In fact, today is Thursday. There's a few of you in my house right now getting to work.

[B]

It does help a lot because it's so dusty. So it does help like cleaning.

[C]

So I got it because knowing that the baby was on the way and then we have dogs. I don't want like, you know, all over the place.

[A]

Oh, Chipotle. Bad Mexicans. Bad Mexicans. Guys, this is bad. That's. You may as well have just gone to Taco Bell. What is this?

[C]

Oh, Chipotle is good.

[A]

Tex Mex to the core though.

[C]

But it's good it comes in.

[A]

I mean it is good. It's just. Oh, you've had a late fee this year. Do you know that?

[C]

Yeah.

[A]

Do you know he's had a late fee on his credit card that you want to combine in a husband way? What's your thoughts on him having a late fee?

[B]

Not gonna say anything because I probably have some too.

[A]

No, what's your thoughts?

[B]

That I have some too, so I can't judge him.

[A]

You ever meet someone and think, wow, that person definitely moonlights as a haunted corn maze actor? No, just me. Well, it's that time of the year again when everyone is hiring for wild holiday jobs. Lead elf, real bearded Santa, Snowplow operator. If your job requires a CDL and jingle Bells, you need the right person fast. Whether you're hiring for one of these roles or any other role. The best way to find the perfect match for your role is on ZipRecruiter. And right now you can try it for [e-mail] Caleb you can see how many job seekers in your area are a fit for your role right away. And their resume database lets you unlock top candidates info instantly. It's no Wonder they are the 1 rated hiring site on G2. Let ZipRecruiter find the right people for your role, holiday or not. Four out of five employers who post get quality candidates within the first day. And right now you can try it for free at ZipRecruiter.com Caleb that is ZipRecruiter.com Caleb. ZipRecruiter the smartest way to hire. Listen, I'll let you guys use the fizz card. Individually you can get that. It's a debit card that builds credit so you can do that. It only lets you spend what's in your checking account because you obviously overspend dramatically every month, every day, every week, every way we do it, it oh, it was a $900, $800 stupid cleaning robot. It's so dumb. Listen, I'll get you a course career certification as well so that you can get into a new career field, make some more money. A lot of people in the audience have used it very successfully. There's a massive discount obviously. Link below. But it's crazy. $500 in interest, late fee, interest to Create on Chipotle. And I get. I mean, you guys still buying things behind your back. Like you bought the robot behind her back and then you bought a TV behind her back. Back.

[C]

Yeah.

[A]

I mean, why, why is this like lying about the concert tickets, doing the TV behind your back, all this.

[C]

But I mean, those are small purchases compared to Shakira tickets.

[A]

Sure, if we're doing compare and contrast, but it is still substantial money that you do not have.

[C]

But like we get more use out of, you know, like a robot that cleans like on a daily basis versus, you know, going to a one time thing. Like, but it was an experience. But $4,000 that we.

[A]

I mean, I relatively agree. I hope in the near future I get also a lot of uses out of robots. Okay.

[C]

But yeah, you should get one too.

[A]

Well, that's not the robot I was thinking about.

[B]

Gross.

[A]

But either way I can afford it.

[C]

But again, it does a really good job.

[A]

It cleans. It cleans.

[C]

It keeps the house like nice.

[A]

You know, like, oh, that's okay. You just can't afford it. I want you to get it. I want you to go to secure. I want you to do all this stuff. You don't have an emergency fund. And now you guys are. You guys are in this situation because you never sacrificed while you actually made money. You just live that I'm making money. So I'm gonna blow it all.

[B]

So that's why we wanna start. Like I told him, I want to start coming up with a real plan that we're gonna get out of debt.

[A]

And I'm gonna interrupt you. I get that. But then when you guys talk about budgeting, you don't agree on anything.

[B]

Well, this is the. I think this year we have finally.

[A]

Like kind of like this year it's the 10th month.

[B]

Okay, this couple past months, months, we have finally like started to like gotten more serious about it.

[A]

And like, what does that look like? Because when I hear. When the first thing I heard basically in this conversation is he last month tried to sit down and budget with you and it just didn't work.

[B]

Okay.

[A]

It was just a complete failure.

[B]

Okay. I will say that I'm also having like mommy brain. And sometimes like, I'm okay, mommy brain.

[A]

Girl brain, all the brains. Except for any personal responsibility, apparently I'm.

[B]

Like running on fumes. Like zombie mode. Like, I sometimes don't even. Like, like one time I woke up, part of it.

[A]

But you know, you just have to sit down once a month to just start this. Once a month to start it once A month? A couple hours.

[B]

Okay, true.

[A]

Get some bevies. You're no longer pregnant anymore. Just glugging actually. Well, breastfeeding. Okay, never mind. Go out and have a nice little meal. But then bring your little things and just like have some fun. Make it a fun thing. I will allow you guys to stay.

[B]

If we go to the, if we go to the bar. I would be more inclined to.

[A]

But you can't drink.

[B]

But I can watch sports.

[A]

No, I need you to focus up. I want us to have fun with whatever we're consuming. But you need to be focused in the conversation.

[B]

I am very good at like multitasking.

[A]

Really? Because you haven't been able to task on one thing, this conversation.

[B]

Yes, I have.

[A]

Okay. I. I mean, I don't know. Okay. Platinum plus. Who couldn't give the statement for the thing that I could pull a statement for good. Pull it up on your phone.

[C]

You can't pull a statement. I tried.

[A]

Uh huh.

[B]

He's not tech savvy. Sorry.

[A]

Were you guys born in the us?

[B]

No, we are dreamers. Oh.

[A]

Brought here as children. How old were you?

[B]

I was nine. You?

[C]

Oh, I was five. Five years old.

[A]

Wow. Well done.

[B]

And we're both from Mexico City.

[A]

A lot of people are going there these days.

[B]

So pretty. I wish we could go back one forcefully.

[A]

Well, no, white people are. White people are moving there like crazy. People in Mexico City are very upset at it.

[C]

I heard that they don't want them over there.

[B]

There's like a protest and look at that, generating statements.

[C]

There was no statement available. I had to screenshot it. And then I. I don't even think it let me screenshot. It had like screen recorded.

[A]

Is this another balance transfer?

[C]

Yeah.

[A]

So we've done double.

[C]

Yeah. So I put three cards into two cards. It also helped with like trying to keep it organized for the month. So instead of having three payments, just having two.

[A]

I will say because I know immigration is such a hot topic, the hot button topic right now in a non controversial way because obviously every country chooses or I guess you know, wants to choose who is coming in and out. You're the like, you're the dude. Because we have a declining birth rate. If people are going to come here, I want you. This dude's coming here, working 40, 50, 60 hours a week, grinding, adding into population increase. You know, that's what I like. I like people, people who are coming in and then they're like, oh, I love America. I'm gonna work and you know, contributed to the overall culture. I love that.

[B]

Good Job.

[C]

Thank you.

[B]

Stop. You're so bad.

[A]

No, you're okay. I promise.

[B]

I've always had a job. I'm a hard worker.

[A]

We've always gotten fired from a job.

[B]

Just this past couple years because I had really hard losses. I promise.

[A]

Are you guys protected right now? Yeah, currently we have a system.

[C]

We have a work permit that we have to renew every two years. Yeah, as long as we don't get like, any felonies or tax evasions, anything like that, then I'll pay my taxes. I'll pay my taxes.

[B]

We pay taxes every year.

[A]

Be careful.

[C]

We'll be good.

[A]

Be careful. Yeah. These balance transfers, what's the minimum payment on this thing? You even know?

[C]

42.

[A]

Oh, my gosh. It's never going to be paid off. And we're just taking those 5% fees forever. Why, why, why will it be. Because that's. You're. You're a transfer. You'. Payer. Why can you sit here and tell me again?

[C]

It was just to make room for the.

[A]

I understand why, but why are you. How are you able to tell me that it will be paid off when all you ever do is transfer, not actually make progress?

[B]

Because.

[C]

I mean, I. I mean, thank.

[A]

You for fueling our economy by coming to the country and then spending money you don't have in consumer debt. You're keeping people alive and paying the bills.

[C]

Well, I feel like if. If once she goes back to working and, you know, eventually we can sit down and make a budget, we'll start paying them off.

[A]

Should we not sit down and make a budget when things are harder more than anything?

[B]

No.

[C]

Yeah, for sure. But I'm saying, like, I. I still don't think she's gonna be, you know, like, I don't. I think we're gonna have a. A struggle, like getting on the same page financially just because of how she wants to work it. And how do you have an accent.

[A]

If you've been here since five? Weren't you raised. No. Like, what? Wasn't most of the language development skills.

[B]

Spanish on a daily?

[A]

Yeah, you speak Spanish. But an accent. You were. Your language skills were raised in the United States.

[C]

I mean, I don't know. That's just how it is. I mean, I'm vibing with it. I mean, in my house, like, we.

[A]

Still don't know he has an accent.

[B]

I don't hear it.

[A]

No, he has an accent, right? Yeah, he has an accent. Crazy. A little. Yeah, a little. But also you. I mean, you. You came later. Later at nine.

[B]

Yeah.

[A]

I mean, you so you had some of your language skills developed in Mexico. This is interesting. It's not a bad thing. This is very interesting. 5 and 9 are different, but like, you know, that's where a lot of the language skills primary education started around 5. It's just like, huh.

[B]

We speak mostly Spanish, so.

[C]

Yeah, we're trying to teach our, our daughter Spanish first because she's gonna learn English anyways through like school, you know.

[A]

Okay. PayPal credit. Yours?

[B]

Yeah.

[C]

Yeah.

[A]

Okay. Yeah. Interest accruing $82.14. No purchases. Think.

[C]

Yeah.

[A]

$122 minimum payment. $4,041.38. 30.38% interest. This is brutal, dude. This is. Yes, some is interest free, but. But it's accruing deferred interest and that's going to be a ton of money. And that is already passed.

[C]

Wait, is it?

[A]

No, wait one second, one second. No, it's not. In a couple months it will though. Couple months.

[B]

What's the remaining balance that?

[A]

Almost 700 bucks.

[B]

Oh, that's not bad.

[A]

Okay, well, you guys are spending more money than you have, but maybe we.

[B]

Can pay it off fast.

[A]

And this is the Miami trip.

[C]

I.

[A]

Right.

[C]

Yeah. So it was, it was split in. In two.

[A]

Oh, yo, your mom for the trip too. 1400 bucks.

[C]

I guess it was split in three.

[A]

Oh, what are we doing? What are we doing?

[B]

I will say it was.

[C]

We were kind of forced to go. I mean, I wanted to go, but we were kind of forced to take a longer vacation because I was just gonna like. Our intentions were just to go see the game, come back kind of thing.

[B]

Like a three day thing.

[A]

But then that's great. Why does the future of your household not supersede seeing a game? Well, get it like, I want you to have fun. I want to go have fun. It doesn't supersede my entire life though.

[B]

Well, I was working then and we did kind of have some money set aside, but then his mom decided that she wanted to make it a family trip. So it turned into like everyone going. So we had to take our kids and we made it a week long trip.

[C]

Yeah, we were just planning on doing the weekend, but then, you know, she.

[B]

We did have the money for that bad. But because they turn it into a.

[A]

Family money, you had to borrow for this. You couldn't afford it regardless, no matter what, in the end you could not.

[C]

But we did have fun though.

[A]

And. And this is, this is what's troubling you guys. Can't agree on how to budget and you both are Totally okay with this. You're totally okay with this. So how does that mean when you leave, you're not just gonna. All the same way. No, look at this. You're totally okay with it because now.

[C]

We don't have the second income. So now we. I mean, we can. Before we had the income to where.

[A]

We bought a 800 costume for Deadpool versus Wolverine. Us. $800?

[C]

Yeah.

[B]

Yeah.

[A]

What the Are you.

[B]

And he didn't wear it for Halloween last year. I told him to.

[A]

What is wrong with you?

[B]

And this year he should wear.

[C]

It's something I wanted to do with.

[A]

My brother is like $800.

[C]

Yeah, but it was like, you know, like, it was something that we're both fans of, like the movie. And so, you know, he wanted to dress up, so I was like, I'll do it too.

[A]

You know, like, he was Wolverine 800.

[B]

And he looked really good in it.

[C]

But it was a nice suit, like a nice costume.

[A]

Sure. This is.

[C]

Yeah, but I mean, we had fun and we took a lot of pictures with strangers and. Oh, yeah, had a good time.

[A]

That's worth $800.

[C]

I mean, we were thinking of charging, but.

[A]

Yeah. Okay, good. Yeah, good luck. Everyone was asking, who has Desert Financial again? Who has another Desert Financial credit card?

[C]

Mine.

[A]

Okay. Almost all the debts yours so far, by the way, except for the PayPal that she never paid.

[C]

Put mine on top. That's all it is.

[B]

Is.

[A]

But I was usually put the crazy ones on top.

[B]

Oh, we do pay both of them. We did charge on most of them. We did charge on most of them.

[A]

Both of us. Okay. The balance went up. It went from 2,714 to 3,086.

[C]

It did.

[A]

It did. With a minimum payment of $86, you purchased $430.71 a while interest crude of $45.03, 400 DP or DA Premium Yogi Grill, Raising canes, and then Pediatric. But that's okay. I wouldn't put it on a credit card.

[C]

But.

[A]

Home Depot. Be careful.

[B]

I know he can be there. Hours just walking around where I'm like, okay, what do you need? Io19, let's go. What do you need? Io11, let's go. And he. He hates going to Home Depot with me.

[C]

It's good. Okay. So I like to do things around the house.

[A]

Boring cafes, dupas, and then voodoo.com fandango.

[C]

Oh, yeah.

[B]

Those are movies that we can make life. We can make a home movie night instead of going to the movies. Yeah. So we.

[A]

You. You don't have money we save money. You don't have money. YouTube is free.

[B]

They don't have movies.

[A]

Who is discover it?

[B]

That's mine.

[A]

Okay. You purchased 61 bucks on a card you can't pay off. That interest is accruing. Takes seven years to pay off if you don't purchase. Why the. How much did she purchase is 61. 37.

[C]

That's not too bad.

[A]

It doesn't what it does. That's not the difference. It still takes seven years. So she's not purchasing. So this is going to take in forever. Now infinity.

[B]

Does it show what I purchased?

[A]

Yes. I was hoping you might have a little insight first.

[B]

No.

[A]

Great. Cuz guys, I don't think you're going to live. I don't think you're going to make it because you're taking this all as a joke.

[C]

Well, it's just been a stressful few past months. I mean with the baby and everything, her not working and Susan like, you know, it was like if we have to put things on the credit card, then like what else can we do? Future.

[A]

It was Amazon and Culver's.

[B]

Oh, oh.

[A]

So die. Like this is bull. It's all you.

[C]

But the Amazon could have been for a baby.

[A]

Okay, pull up your Amazon and the.

[B]

Amazon, the culvert, I think it was because I was driving by and I didn't have my wallet on me, so I just tapped it.

[A]

You can't afford it. Regardless if it was on credit, you dumped it. You have debt. You have $130,000 of bad debt. $130,000 of bad debt. I don't give a. Now I have a Wells Fargo cash Visa. Whose is this?

[C]

Oh, that one's mine again.

[A]

Back to mostly you. Why are you the one so. Cuz she seems like she is like mentally. But you're, you know.

[B]

See, I try not to have a lot of credit cards.

[A]

Why you're the one in the finances with the worst finances.

[C]

Because banks love me. I don't know.

[A]

They really do. You make them a ton of money. But why are you, I'm saying for the household, the one running the finances, if you're the one that is objectively so far the worst, including so far.

[C]

I don't know, I, I feel like I, I, I look at the numbers. So I think I'm, I'm okay to, you know.

[A]

Why do you think he's up? Why, why is he the one in control of finances? Why?

[B]

Because he doesn't want to do it my way. He doesn't want to do it my way.

[A]

So you. When you guys sat down and discussed who's doing finances, essentially you just gave it to him because he didn't want to do it your way.

[B]

It was mostly like, I relinquish control over time, and he just took over, basically.

[A]

Okay, well, it's a 41 minimum depayment. 17 years to pay off 161 of purchases. This one is pediatric. Again, I would rather be on debit, but even still. So brochure will balance until now, not that many months from now, like five. So that'll start accruing interest. There's no deferred interest, but it is chunky. Okay, who's the bank of America?

[B]

Wait, what was that one?

[A]

That was Wells Fargo.

[C]

Yeah, on the Wells Fargo, the balance was to, like, help out my sister.

[B]

Oh, the overall balance for the bankruptcy.

[A]

For the bankruptcy. You guys are headed to bankruptcy.

[B]

Why did you have to help her for it? It.

[C]

Well, I mean, you. You know, I went with her to, like, go see. To, like.

[B]

She doesn't. She doesn't care how much she spends. If you think I'm bad, she's worse. She doesn't care how much she spends. She's always, like, doing a bunch of things. She doesn't even do things, like, for the kids, so. And she, like, takes out cars that she can't even afford. So why are you helping her with the bankruptcy?

[C]

Because she's my sister, and I mean.

[B]

Okay, but I'm not giving my sister.

[C]

She had, like, a. A lawsuit on her hand, so it's like, okay, my sister had one bail her out, you know, like, I. That car.

[B]

But she has a husband, and she lives rent free with your parents.

[C]

Yeah, but.

[A]

What?

[B]

Yes.

[C]

Yeah, but, like.

[A]

And yet you put thousands on your credit card.

[B]

Why?

[A]

Well, because I. I'm okay with helping.

[C]

I just wanted to help her out. And, like.

[B]

Yeah, but we help them in other.

[A]

But I think this wasn't helping. I think this was enabling.

[B]

Yeah, she does. She has no responsibility of finances whatsoever. If I'm bad, she's, like, 10 times worse.

[A]

Oh, wait, you didn't even give her money. You just gave the card to her. S. To your sister, and she just ran it out.

[B]

That's crazy.

[A]

That's wild.

[C]

I mean, dude, I like to help my family.

[A]

Yeah, but you're enabling her.

[B]

Your mom has bailed her out so many times. So many. She bails her out $10,000, and she went and ranked up everything again.

[C]

I don't know. It's just when a sibling comes, you know, asking for help of course.

[A]

But she hasn't changed her behavior. She's been bailed out a thousand times, it sounds like.

[B]

And she doesn't pay rent. She doesn't have, like, big expenses other than her car. And she has a husband.

[C]

I mean, she did say she was gonna pay me back when she got her, like, tax times.

[A]

Has she told that to her parents that have been bailed out?

[C]

Yeah, I don't know.

[A]

I mean, that's the thing.

[B]

At least twice.

[A]

Sometimes someone actually help. Actually helping someone is them learning for the first time ever.

[B]

How old you sister. Like you're going to help. Or you can even buy me a ring.

[A]

Okay, well, I don't think he wants to marry you.

[C]

I do want to marry her, but.

[A]

I'm kidding.

[C]

That's down the line.

[B]

That has to be it.

[A]

I'm kidding. How old is she?

[B]

She's older than her. Than him.

[A]

She needs to learn the skills herself. Herself. Or she's never gonna make it. Ever. When your parents pass away, she's never gonna free. Who is? The bank of America.

[B]

That one's probably mine.

[A]

Okay, well, minimum payment, $46. Balance, $1501. Seven years to pay this off.

[B]

That was a balance accruing.

[A]

Well, interest is occurring. So you've had a late fee this year. Yeah, there it is.

[B]

Mommy brain.

[A]

No, Come on.

[B]

Yes, I.

[A]

Literally every mother has late fees.

[B]

I'm not saying that.

[A]

Shut the up. That is not shut up.

[B]

I'm saying I have foggy brain.

[A]

That's. Okay. Set up minimum. Minimum monthly payments, automatic payments.

[B]

I can't because. I don't know.

[A]

Exactly. Because you don't budge it. Because it's all down the line. When you don't do the primary, normal, main easy thing. Relatively easy, all of a sudden, nothing works down the line. That's just how this. That's how it goes.

[B]

Okay.

[A]

Sephora. Who's Sephora?

[B]

Mine. I bought my daughter Kendrick and Sissa T tickets on Sephora for her birthday slash Christmas gift.

[A]

Dude. Okay, so she's gonna be okay with not getting anything for Christmas?

[B]

Well, this was last past Christmas.

[C]

I was not okay with that. Especially after having, like, coming from a big purchase that we did on her as well.

[B]

What big purchase?

[C]

Hurricane.

[B]

Oh, yeah.

[C]

Like I was not okay.

[A]

How much was her quinceanera?

[B]

My part was about 5 to 6,000.

[A]

2,000?

[B]

Yes.

[A]

What? What are we doing?

[B]

But she look really pretty.

[A]

No, they never do.

[B]

Excuse you.

[A]

Oh, it's always over the top, too. This is. It's too much. It's too much. It's too gaudy. It's.

[B]

No, you're too much.

[A]

Yes, but I embrace it.

[C]

But it's like Mexican culture.

[A]

And I'm so glad I'm not having a Mexican child because that sounds expensive. When you hit 16.

[B]

You're not a woman.

[A]

Huh?

[B]

You're not a woman.

[A]

Does the woman have to pay for it?

[B]

No, you. Only girls do it, not guys.

[A]

Yeah, yeah, but if I have a Mexican woman child that'll be in a Quinceanera at 16.

[C]

15.

[A]

15.

[B]

Yeah.

[A]

Well you got fees and interest on here. Dude, you've had two late three, four late feast this year. She's had four.

[B]

I'm sorry.

[C]

You're sorry?

[A]

No, you're not. When people are sorry, they don't do it anymore. You dick.

[C]

She keeps me in the dark for a lot of these.

[A]

Apparently for everything. You guys keep each other in the dark for everything. This is so stupid.

[B]

I kept on forgetting the due date. I kept on forgetting to do things.

[A]

There's four times this year.

[B]

I know.

[A]

Is that a reminder you. I would forget too if I was trying to remember the date. Every single month.

[B]

Month.

[A]

Set a reminder. You. I did Desert Financial again. Are you back? Do you have three cards with them?

[C]

Yeah, I do have three.

[A]

Oh for sake. Okay, Desert Financial. What's going on again?

[C]

That one. I don't know. What's the balance on it?

[A]

It's much smaller at 264.77.

[C]

Oh, I had to put my vehicle registration on there because I had.

[A]

Dude, this is what happens. You guys made money and you do still make money. But you live so much fun that once a need pops up you have on a credit card. Cuz you're undisciplined, you're irresponsible and you guys are not adults. It's a joke.

[C]

But I was.

[A]

Shut the up interest is planning on having the money than you did and you're doing secure. Shut the up. I don't want to hear it Kin you late fees this year so far. This is so stupid.

[C]

There's a late fee? Yes, yes there is.

[A]

Who is the U.S. bank.

[B]

That's our joint account.

[A]

A joint debt?

[C]

No checking, debit it.

[A]

Okay, well there's a mountain due. Oh, mortgage.

[C]

Yeah, yeah, we have the mortgage there.

[A]

What the. Your mortgage is 3627. That's expensive.

[B]

No, it's 1850.

[C]

It's 18.

[B]

We don't usually pay it on the first so it they send us a.

[A]

Statement you had past due.

[B]

Yeah, but it's.

[A]

It was.

[B]

But it's not past due.

[A]

But it was. And you owe double the. That is. What are you doing?

[B]

It already got.

[A]

This is what happens when you budget weekly though. It just gets so close.

[B]

We're not budgeting weekly. He's budgeting monthly.

[A]

He's not budgeting. $1,813.91. Minimum monthly payment. Sorry, that is the minimum. $1,813.910. And you're on the joint mortgage.

[B]

Yes, yes.

[A]

414. Right. We like that. That. What? What is the balance.

[C]

We got it at a good time, but.

[A]

Oh, here we go.

[C]

I just don't like the house.

[A]

Oh good. $260,631.80. Why don't you like the house?

[C]

Cuz it doesn't have a pool.

[A]

Go to a community pool, Dick. A home equity loan and a Toyota 4Runner.

[B]

Yes, those are all joints as well.

[A]

Oh, why did we get a home equity loan to consolidate that 80% and then you didn't consolidate. You racked it up and then you transferred them again. You never pay off debt. You just consolidate. Transfer. You guys cannot do another one of these tools, including bankruptcy until you change your behavior. You can't do any of these shortcuts until you change your behavior because you'll just end up with more debt. Debt. It happens every episode and you guys are just continuing that trend.

[B]

So no bankruptcy, you said?

[A]

No, not until you change your behavior. Cuz then you'll end up in the same amount of debt again and be double.

[B]

Okay.

[A]

Oh, you owe $52,281. Do you mean to have any equity anymore?

[C]

Yes, barely, probably. I don't know cuz we also. I don't know cuz we also have solar panels.

[B]

Oh yeah.

[A]

I don't even think we have that. We don't have that. What the is wrong with you guys? Minimum to payment 378.40. What's your solar panel debt?

[C]

The total debt? I would have to.

[A]

Look, I don't even like the house, but we're getting solar.

[B]

So I have a question for you. Do you know by any chance if the solar panel company is going in bankruptcy?

[A]

Huh?

[B]

The solar panel company is going bankruptcy? Yeah, it's filing bankruptcy.

[A]

It's not a school. You're not going to get it forgiven.

[B]

I was just gonna ask like what do we do?

[A]

First of all, bankruptcy is a lot of things. They might just be restructuring debt. They might not be going out of business. You don't. You don't know.

[B]

Yeah, they're getting bought. Bought.

[A]

Well There you go. You're still going to owe it.

[C]

Current balance for it is 33,000. Minimum monthly payment, 168amonth.

[A]

What's your interest?

[C]

It's like 1%, 1 2%, something like that. 1.99.

[A]

Forerunner. Whose is it?

[B]

Family car.

[C]

Well, originally it was gonna be kind of like my car because I have my little. My little beater that I take to work. You know. And she had her.

[A]

We need this.

[C]

She had her vehicle. And it's. And I want. I wanted a Forerunner. So once we did the deck consolidate.

[A]

You did a consolidation. Then you got a forerunner. You guys are a mess. You're the. You're. You're the collection of everything bad with consumerism. 37087.96. At an interest rate of 7%. Not even good. Minimum monthly payments. 674. Working 60 hours a week in order to afford a 4Runner. Well done. That's where you are. What do you think it's worth? What do you think it's worth?

[C]

Like 44.4d40.

[A]

So at least you have an equity position. But for sake. Then it paid off. Jetta. That's worth 1700.

[C]

Yeah. That's my little beater.

[A]

Sell the 4Runner tomorrow. I'm not even kidding. Sell it because you might actually make money. Break even for all I care. Get out of that minimum payment drive. Beat her. Beat her. Beat her. That's it. I don't give a. What. What? What? What? What? What?

[C]

Well, my beater is not going to last me very long.

[A]

It's at 200 and then when we do that we get a 10,000 hour. Car.

[B]

Car.

[A]

I don't care. Get rid of the Forerunner. You're in a blessed position. Rare on this show where you have an equity position. Get out of it tomorrow. It's not. It's not a question. Are you getting out of it tomorrow? Are you getting it out of it tomorrow? Let me answer.

[C]

I'm thinking of getting out Tacoma.

[A]

Huh?

[C]

I'm thinking of getting out Tacoma.

[A]

No. No, no, no. Nope. You're not getting anything. You're driving the beater until it's dead.

[C]

I think I deserve it.

[A]

I need to make sure you agree with me.

[B]

Make him agree.

[A]

This is what you are doing. Or else there is no path here that I'm willing to accept. Accept. Because this is a basic sacrifice. And I need to see you're making sacrifices. Or I'm ending this thing now.

[C]

Is it negotiable?

[A]

No.

[C]

Can I? Maybe.

[A]

You are selling. Driving the beater until you. Until it's done and the repairs would be stupid.

[B]

Wait, wait, wait. But we do need a family car. So get another like beater. Right? You said.

[A]

Why don't you have something? A beater? No. Okay. Okay then yes. A $10,000 car. Okay, 10,000.

[C]

Where are we going to get 10,000 from?

[A]

When you shopped used, it's not going to be great. It's going to be years old. But you get a, you take a look at it everywhere so ever and get an independent mechanic to look at it as well, make sure it's safe and it's not going to take cost. It's going to be a two year car, guys. We're not looking for a generational car. This is a two year car you're getting for $10,000. And then you upgrade once we're out of debt. Do you agree to this or no? Well, what if I agree to it or no?

[C]

But our daughter needs a car too.

[A]

No, no, she doesn't. She can get her own car. She can work and get her own car. Do you agree to it or no? No. Agree to it or no.

[C]

Can I get a second job?

[A]

Agree. No. You already work 60 hours a week. Okay. And that's it. I'm ending this. This is no conversation to be had. I'm ending the episode. If you're not willing to take literally the most basic sacrifice in the one thing you have. There's nothing here. And you guys are. And I'm sad to see that. That is sad. And that's, and then that's not me wanting to end this because I'm outraged or anything. If they're not willing to take a single basic step, I'm done.

[B]

We have to.

[A]

You Hammer Financial score off. Come join us in the Post show. I have to do an extra 20 minutes. I get to do. I'm blessed to do an extra 20 minutes. And Hammer Elite, the best membership on YouTube and three premium shows every single day, Monday through Friday. Shut the up. I'm doing my spiel. Good death. What is wrong with you, woman? Join Hammer Elite. I'll see you in the Post show. You were just spending money behind his back that he didn't even know you were blowing money that he didn't even know was happening.

[C]

I got, you know, like a, a statement in the mail saying, you know, like, you got a loan for, you know, x amount of money. And I, I, I asked her.

[A]

The secret loan behind your back.

[C]

Yes.

[A]

How can you say you've been getting better over the past four years and then take out a loan behind his back.

[B]

No, like, seriously, I. That's a big eye opener.

[A]

I don't want to hear it. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.