[0:00] If you look at everyone who is a Jewish
[0:02] who was a Jew and they're in power,
[0:03] things like that. Look it up, bro.
[0:05] >> So, basically what Trump is doing is
[0:06] like what Hitler was doing except doing
[0:08] it the right way.
[0:09] >> Is the world flat around?
[0:10] >> It's flat.
[0:10] >> When you raise your children based off
[0:12] of that, that's concerning.
[0:13] >> Biden was never really president.
[0:14] >> He's dead supposedly.
[0:15] >> What?
[0:15] >> Charlie Kirk's not actually dead.
[0:17] >> You don't actually believe this. You're
[0:18] just having fun with this.
[0:20] >> No, I believe it.
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[0:54] >> Hi, I'm Chelsea. I'm 29 years old. This
[0:56] is Gary.
[0:58] >> Hi, I'm Luke and I'm 32 years old. Work
[0:59] from DFW
[1:00] >> and this is Financial Audit.
[1:04] >> Yes, it is. Thanks for coming down from
[1:07] the Dallas area. Okay, Chelsea, you're
[1:10] in front of me. What do you do for a
[1:12] living up there?
[1:13] >> I homeschool my kids and I am a
[1:15] caregiver for my sister.
[1:16] >> Oh, kids. Married?
[1:18] >> Yes.
[1:18] >> Okay. How long have we been married?
[1:21] >> Three. Two years.
[1:22] >> Yeah. Put him down. He doesn't want to
[1:24] be with you. almost through September.
[1:26] >> Okay. Well, congratulations. Okay. Very
[1:29] good. How many kids? What are the ages?
[1:31] >> We have four kids total. Three are from
[1:35] my previous marriage and one
[1:37] >> Whose previous marriage?
[1:38] >> Mine.
[1:38] >> Oh.
[1:39] >> Mhm.
[1:40] >> Wow. Jeez. 29. Two marriages. Yikes.
[1:42] Okay. Okay. Just saying. I mean, what
[1:46] are the ages?
[1:47] >> Um, 7, 4, and six.
[1:51] >> Yeah, I think there's another one
[1:53] >> and 9 months. Well, I I messed up the
[1:55] age.
[1:55] >> I met that one. That one was very nine
[1:56] months. She is nine months. Oh my gosh.
[1:58] He's not. He's 9 months. The dog is 9
[2:01] months. She's 14 months. She's 14
[2:03] months.
[2:04] >> The dog's 9 months.
[2:06] >> Oh, that's pathetic.
[2:09] That's rough. That's rough. Dude, you
[2:13] care about the dog more than the kid. I
[2:14] guess that's why you left the other
[2:15] three.
[2:16] >> No.
[2:17] >> Okay. Okay. So, you don't make money.
[2:20] >> I do.
[2:20] >> Okay. Stay at home Very good. So
[2:23] Luke, I hope that means you make a lot
[2:25] of money because it ain't it it's not a
[2:27] super cheap place to live.
[2:28] >> Yeah, I make I make a decent amount. I
[2:30] mean, I'm I'm retired military. I work
[2:32] for roofing company, so we bring home
[2:33] quite a good quite a
[2:35] >> Which one? The retirement or theing
[2:38] roofing?
[2:38] >> Both of them make pretty good money.
[2:40] >> Okay. What do you get from your
[2:41] retirement?
[2:42] >> I get around I'd say about So VA is
[2:45] 4,646.
[2:47] >> Oh, VA. Wait, okay, that's not
[2:48] retirement. It's disability.
[2:49] >> Disability. Yeah. Yeah. Yeah. But you're
[2:51] working in roofing.
[2:52] >> But I work in roofing, too. Yeah.
[2:54] >> What do you do in roofing?
[2:55] >> So, I'm a salesman for roofs.
[2:57] >> Ah,
[2:57] >> yeah. Yeah. Yeah. I'm a salesman.
[2:58] >> Okay, that makes a lot more sense cuz I
[3:00] don't know if I would want a disabled
[3:02] person on the top of roofs doing
[3:05] roofing,
[3:06] >> right?
[3:07] >> Okay. Okay. Oh, never mind. When you are
[3:10] a saleserson, you're getting on roofs.
[3:12] >> No, we have drones now. So, I don't get
[3:13] on roofs at all. Drone.
[3:15] >> Okay. Okay. Modern technology. I
[3:17] appreciate that. Different kind of
[3:18] drone. Not killing brown people this
[3:20] time.
[3:20] >> Right.
[3:20] >> Right.
[3:22] >> What do you make in the roofing?
[3:23] >> So on average about $1,000 a week. Now
[3:26] if you do a make a sale or something
[3:28] sales average depending how big the roof
[3:29] is. I mean you're looking around 25 to
[3:32] maybe like five grand a roof depending
[3:33] on how big it is.
[3:34] >> Okay. But I'm averaging out 4,000 a
[3:36] month.
[3:36] >> But if you Yeah. Give or take. Yeah.
[3:38] Huh.
[3:39] >> If you can make a sale.
[3:40] >> If you make a sale.
[3:41] >> Is he averaging making sales? So he's
[3:43] bringing 4,000 a month.
[3:45] >> 4,000 a month. He's not making a sale.
[3:48] Okay, backstory real quick. Gosh damn.
[3:50] So, time out. Hold on. Let's this this
[3:52] have more context, right? So, I just my
[3:55] other job for roofing just got shut
[3:56] down. They quit business last week,
[3:58] right? Uh there I was making an average
[4:00] about 800 bucks a week and then on a
[4:02] sale average you can make about $1,000
[4:05] for each sale. I made two sales,
[4:07] >> but that business is gone,
[4:08] >> right? So, I just got hired actually
[4:10] signed the offer letter today uh for a
[4:13] for a roofing another roofing company,
[4:14] right?
[4:15] >> Oh, wait. But you want to know how much
[4:16] you're making? Well, I mean, I've been
[4:17] doing roofing off and on for a long
[4:18] time, so I know I know exactly. And uh
[4:21] there's a So, for for now, for about
[4:24] what is it? I think for two months,
[4:25] they'll give me about 1,000 bucks a
[4:26] week. And then after that, when you
[4:27] build your pipeline, that 1,000 bucks
[4:29] goes away, right?
[4:30] >> And you have to replace Okay. Okay.
[4:32] Well, we'll put it as four for now,
[4:34] >> right?
[4:35] >> Yeah. I mean, you seem lack of
[4:36] confidence in this.
[4:37] >> Three to four is on average what I make
[4:39] monthly every single day.
[4:39] >> Yeah. Because he's he he says he's good
[4:42] at sales, but I haven't actually seen
[4:43] him make a sale.
[4:44] >> Pay the hell attention. You know how
[4:45] much money we make? or bring her what a
[4:46] thing cost. You have no idea.
[4:48] >> Because you keep our finances separate,
[4:50] >> bro.
[4:51] >> Bro,
[4:51] >> 3 years. Mhm.
[4:52] >> And the finances are separate. Why?
[4:54] >> You want to be honest about this? Cuz I
[4:55] will.
[4:56] >> Well, please. That's what we're here
[4:57] for.
[4:57] >> Because we've argued a lot. She's damn
[4:59] near left me five, six, seven times. And
[5:01] so I
[5:02] >> Well, she seems to leave every man she
[5:03] breathes with. So,
[5:04] >> well, I mean,
[5:05] >> well, I mean, if they're
[5:08] >> you married or you ain't.
[5:09] >> You made three. Well, see, because I'm
[5:12] Christian and I was like, you know, the
[5:15] Christian church, the faith requires you
[5:17] to breed with
[5:19] >> In fact, I do believe illegal.
[5:23] >> You can't what?
[5:25] >> You're not supposed to get divorced.
[5:26] >> Well, I had real reason. I So,
[5:29] >> and and abuse, but
[5:31] >> Okay. Why are you I'm sorry. Like, yes,
[5:33] you're the victim in that.
[5:35] >> Well, I am.
[5:36] >> Why are you breeding with someone who's
[5:37] abusive?
[5:38] >> Cuz I didn't know. You didn't know he
[5:40] was hitting you when he was hitting you?
[5:42] >> I mean, I'm sorry. I don't want to.
[5:44] That's insensitive, but like
[5:46] >> I It wasn't It was It wasn't like that.
[5:48] >> Oh, so he was abusive without abusing.
[5:51] It's interesting how modern terminology
[5:53] has been kind of flipped
[5:55] >> to saying words that don't mean the
[5:57] thing that it means.
[6:00] >> No, it does. I just really I can't talk
[6:02] about him.
[6:03] >> Okay, I got you. Okay, well, we won't go
[6:05] down that rabbit hole then. Oh,
[6:07] >> yeah. Okay.
[6:08] >> Nice cover up.
[6:10] >> Did I kick you? My bad.
[6:11] >> He said nice cover up, by the way.
[6:13] >> That's not
[6:14] >> nice little scapegoat right there.
[6:15] >> That's not a scapegoat. And you know
[6:17] that.
[6:18] >> Okay. Have you hit her yet?
[6:19] >> Sure.
[6:20] >> Let's Let's try not to.
[6:21] >> She's a little fiscally aggressive,
[6:23] though. So,
[6:23] >> I am in bed.
[6:25] >> Oh, god.
[6:26] >> Okay. Well, that's nice, I guess, for
[6:28] you guys. I mean,
[6:30] >> I think a fifth is on the way.
[6:32] >> Absolutely not.
[6:34] >> It's a possibility.
[6:36] >> Absolutely not. What do you mean
[6:37] absolutely? Are you on birth control?
[6:38] >> No.
[6:39] >> Are you fixed?
[6:40] >> No. No.
[6:40] >> Is he fixed?
[6:41] >> No.
[6:42] >> Is he on condoms?
[6:44] >> No.
[6:44] >> Okay, then what the are we talking
[6:45] about? Absolutely. How do you think
[6:47] babies are made? In fact, I would say
[6:49] you're the expert.
[6:50] >> But you can track it.
[6:51] >> You can track it. It's not perfect. And
[6:54] can swim for a bit, too.
[6:56] >> And you
[6:57] >> And what if he's the part of the 35% of
[6:59] men or whatever that carry infertile
[7:01] >> that Oh, I don't think. Did you put Is
[7:03] the 14 month yours?
[7:05] >> It definitely is. I made that one happen
[7:06] on purpose. So,
[7:07] >> we he he got on medication.
[7:09] >> Okay, but even still, we've had a lot of
[7:11] infertile people on this show that have
[7:13] magically had kids. It's weird how it
[7:14] works.
[7:16] >> Like, what what are we talking about?
[7:18] >> So, he doesn't we have different views
[7:20] on how money should be spent. I'm very
[7:22] much a practical money bills need to be
[7:24] paid first and he's a I'm going to do my
[7:27] fun stuff and then
[7:28] >> bills. That doesn't really make sense.
[7:30] >> Not necessarily. No, that's not how that
[7:31] works.
[7:32] >> That but that's how you work.
[7:33] >> So, I get a guarantee.
[7:34] >> That's not how it works. That's how you
[7:35] work
[7:35] >> every single month, right? And so, and I
[7:38] know like my view is like I have the
[7:41] guaranteed money coming in every single
[7:43] month, right? I know what I can expect
[7:44] to pay, what not to pay, etc., etc. Now,
[7:47] for instance, right? So,
[7:50] how do I say this? Like, like with the
[7:51] mortgage thing, right? Yes, we are.
[7:52] >> Mortgage thing as in the first document
[7:54] in my stack, which is past due.
[7:57] >> Yes, it is.
[7:57] >> Mortgages shouldn't be passed.
[7:58] >> Right now, it's currently past due.
[8:00] >> It's past due.
[8:00] >> You already know this But I don't.
[8:02] You do.
[8:03] >> I don't. I don't.
[8:04] >> So what I do is in my personal this is
[8:06] my I guess opinion I guess whatever
[8:09] where with VA not the VA where Veterans
[8:11] United the way they work from what I've
[8:12] understood right is that it doesn't hit
[8:14] your credit until it's 30 days past due
[8:16] right
[8:16] >> but then you snowball. So how past due
[8:18] are we?
[8:19] >> No we don't snowball. I I just paid the
[8:20] the the payment yesterday. I got
[8:22] paid yesterday. So I submitted the
[8:24] payment for the mortgage yesterday.
[8:25] >> For which month?
[8:26] >> For past Yes. last month. That's we
[8:28] didn't always pass due. We catch it up
[8:31] by current due. So you just paid May's
[8:34] yesterday.
[8:35] >> What? What month we in?
[8:36] >> May.
[8:38] >> Yes. You already know this The
[8:39] same thing forever, dude.
[8:41] >> But I thought we had caught up and we
[8:42] weren't doing it.
[8:42] >> No, we have too much to pay for.
[8:45] >> So the
[8:45] >> even when I read Even when So at one
[8:47] point I had to um what do they call it?
[8:50] What do they call it? Um restructure
[8:53] loan, so to speak. I guess we
[8:54] >> No. No. Which is why are we laid on a
[8:56] mortgage? That shouldn't be the
[8:57] place we're laid out.
[8:58] >> It is the way I've done it every month
[8:59] is I only So I get So the reason I use
[9:01] cash app, right, I get paid a week early
[9:02] if all my paychecks, whatever, blah blah
[9:04] blah. So when we first got the mortgage,
[9:06] >> what? That's the cycle we're in with
[9:07] four kids.
[9:08] >> What's that?
[9:10] >> We're in a cash advance cycle with four
[9:12] kids.
[9:12] >> The way I've always done my entire life.
[9:13] So I
[9:14] >> Well, that's not necessarily good when
[9:15] you have kids.
[9:16] >> It's on a cash advance.
[9:17] >> What? What you justained? They pay you
[9:19] early
[9:20] >> due to which can be okay if you leverage
[9:23] it correctly. But if you're stuck in
[9:24] that cycle where you're not paying your
[9:25] bills on time and you're waiting for the
[9:26] early advances to pay off the previous
[9:27] one,
[9:28] >> then yeah, your cash advance cycling.
[9:30] >> Okay. I've never heard put put it that
[9:31] way, but I guess so. Yeah. Never heard
[9:33] put that way.
[9:33] >> But you're behind on your mortgage. Like
[9:35] I I don't Before we keep going, quick
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[10:57] Links on screen in the description and
[10:59] pin comment below. Let's get back to
[11:01] this financial disaster. So the way I
[11:03] see it is like this, right? Unless it
[11:05] hits my credit. I know that sounds it's
[11:06] going to sound stupid. It's the
[11:07] way my mind views it, right? It's like I
[11:09] paid the mortgage yesterday, we're no
[11:10] longer behind. There hasn't any late
[11:12] there's no it hasn't hit from now.
[11:14] >> The credit now technically the mortgage
[11:16] is due on the first, right? So before in
[11:17] the past,
[11:18] >> I was making a ton of money. I'm
[11:20] making at one point I was making like 20
[11:22] to
[11:22] >> I don't know 23,000 a month at one point
[11:24] being a trainer at Lifetime Fitness,
[11:26] right? That's including the VA, all that
[11:27] stuff. So all together making like 20
[11:28] something,000 a month. So, at the time,
[11:30] I think I um we took a trip to Tennessee
[11:33] at one point, right? And we we didn't
[11:35] pay the mortgage that month. I said,
[11:36] "Okay." I said, "Don't pay the mortgage
[11:37] this month." I said, "I just pay it at
[11:39] the end of the month when I get another
[11:40] paycheck from Lifetime," right? So, when
[11:41] we did that, I we did not budget out
[11:44] money correctly on this trip to
[11:45] Tennessee. What was it last year?
[11:46] >> Oh, now it's a we.
[11:48] >> It's been a wee, bro. It's a wei thing.
[11:49] We're married, aren't we?
[11:50] >> I
[11:52] haven't been a You told Liz you don't
[11:53] believe in late fees. Whether or not it
[11:54] hits the credit, you're still getting
[11:55] late fees.
[11:56] >> Yeah. You ain't got to pay him until the
[11:59] mortgage is done. That's also
[12:00] >> Huh.
[12:00] >> You don't have to pay the late fees
[12:02] until the end of the mortgage. Why?
[12:03] >> Yeah. Well, so you see, I didn't know
[12:07] how he was with money.
[12:09] >> Yeah. We didn't discuss that type of
[12:10] before.
[12:10] >> We didn't discuss that. But like,
[12:12] >> how long were you guys dating before you
[12:13] got married?
[12:13] >> Well, a couple months.
[12:14] >> Okay. So, that's why you're freaking out
[12:15] about move to hell in. So,
[12:17] >> 10 months.
[12:19] >> No, we were It was 10 months when we
[12:21] >> So, okay. Straight up. Let's Let's fix
[12:23] this conversation real quick. And we
[12:24] agreed on this, right? So our context
[12:27] I'm I believe in Jesus Christ, right? I
[12:28] believe the Bible and all this, right?
[12:30] So when you commence a marriage, you
[12:32] have sex that spiritually that means
[12:33] you're married. Read the Bible. It says
[12:35] in word for word, right? I don't know
[12:36] the same verse, but that's what it says.
[12:37] >> How many people have you married then?
[12:39] >> A lot.
[12:43] >> Um
[12:44] >> spiritually speaking here, you know.
[12:45] >> Well, see, okay, this is I came to my
[12:48] faith later on in life because
[12:51] >> So and then with the cross.
[12:53] >> Well, yeah, but you know what? Jesus
[12:55] still loves me and I've repented. So,
[12:58] but yeah, I I I I have a
[13:00] >> You can break them soul tones.
[13:01] >> I've had a past. I've definitely had a
[13:03] past. I have daddy issues. It's fine.
[13:05] >> Who doesn't? What woman in this planet
[13:08] doesn't at this point?
[13:09] >> But yeah, so like I did I slept around
[13:11] >> and it sounds like all your kids are
[13:12] about to as well.
[13:13] >> No, they're great.
[13:14] >> Hell, they are.
[13:21] >> Okay. Okay. What the was my question?
[13:23] Okay. I mean, I have a note that like
[13:25] what's destroying this whole thing is
[13:26] your lack of trust in this. This is
[13:28] built on like conspiracy theories and
[13:30] like I don't even know what the is
[13:31] happening. What are we what the are we
[13:34] talking about?
[13:35] >> Talk about finances. We get a mortgage
[13:36] right now.
[13:37] >> So that's why we're here based on
[13:39] conspiracy.
[13:40] >> We need help manage money when I pay my
[13:42] bill.
[13:42] >> But what is this conspiracy
[13:45] >> Okay, which one? Charlie Kirk's not
[13:47] actually dead.
[13:48] >> What?
[13:48] >> Uh
[13:50] >> um Selena Gomez is actually dead.
[13:54] and her and Justin Bieber's love child
[13:56] is with
[13:58] >> What the are we talking about?
[13:59] >> Well, conspiracy theories.
[14:00] >> Some almost killed my marriage out here.
[14:03] >> Yeah, he doesn't really agree.
[14:05] >> I don't know. I saw some videos
[14:08] uh a lot on Twitter that day.
[14:10] >> What day? Oh, okay. That's fake though.
[14:14] >> So,
[14:15] >> you saw some people die probably.
[14:17] >> But should that look like death?
[14:19] >> No.
[14:19] >> It's questionable.
[14:20] >> Oh, it's questionable, dude. I've seen
[14:22] people show I've been part of shootings
[14:23] in movies. Does that look like death?
[14:25] That looks more like death than
[14:26] >> I don't think movies are like I'll put
[14:29] to you this way. I put to you this way.
[14:30] You look
[14:31] >> when you look at his situation, right?
[14:33] First off, a man shooting a shot that
[14:36] far away
[14:38] has to be very, very, very good.
[14:40] >> He got also just very lucky.
[14:42] >> But the bullet that was supposedly used
[14:44] would have blown up his
[14:45] >> I'll say this, I was an expert shooter
[14:47] in the military. I scored perfect every
[14:48] single time I've shot a weapon in the
[14:49] military. Didn't even stand. Whatever.
[14:52] So where is he? Why would he do this?
[14:53] >> So he's in Okay. So there's theories. So
[14:55] there's theories. Okay. So he can either
[14:57] So either his wife Erica Kirk was in on
[15:00] it or like in on the conspiracy and
[15:03] she's in hiding with
[15:04] >> So we got some Candace watchers
[15:05] >> or Yes. 100%. We know.
[15:08] >> We know. Okay.
[15:09] >> We know.
[15:11] >> But we don't know. No.
[15:12] >> You think?
[15:12] >> We don't know. No. But we
[15:13] >> call It's called a fake, not a no.
[15:15] >> No, we know. So the So either his wife
[15:20] cuz she's got ties to child trafficking.
[15:23] >> She does
[15:24] >> based off of
[15:25] >> based off of the work she did with
[15:27] children. She was kicked out of what was
[15:29] the country? She was kicked out of the
[15:30] country for it.
[15:32] >> Yeah. So
[15:33] >> country.
[15:33] >> You got to know this dog.
[15:34] >> It was like Slavia.
[15:36] >> Slavia. Not country, bro.
[15:39] >> Where is it? Where is it? What was it?
[15:41] No, there was a country that she did
[15:43] like
[15:43] >> Ukraine. UK. Was it Ukraine? No, it
[15:45] wasn't Ukraine. She did.
[15:48] Don't look at me like that. I'm legit.
[15:50] Like, let me just name all the
[15:52] >> I'm just waiting for I'm trying to
[15:54] remember the country, but she was kicked
[15:56] out of a country. She was doing um like
[15:58] adoption work for little kids that don't
[16:01] have parents and they were going missing
[16:03] and so she was kicked out of the
[16:04] country.
[16:05] >> We're not GOING TO HAVE PEPSI WITH BABY
[16:07] FLAVORING IN IT. I MEAN, WHAT THE HELL
[16:09] HAVE WE BECOME?
[16:10] >> SO, ERICA KIRK, you're Satan.
[16:13] >> I'm alleging. you're alleging is a child
[16:17] ring leader.
[16:18] >> She's she's in on it.
[16:20] >> And Charlie didn't die because of that.
[16:23] >> No. So she Okay. So she's was basically
[16:26] his handler
[16:27] >> and either he this is there's two
[16:30] different theories. Okay. So either she
[16:31] was his handler, he found out about all
[16:33] her
[16:34] >> Weren't they just like a classic
[16:35] Christian couple like y'all?
[16:38] >> The So is that kind of what he was
[16:40] preaching?
[16:40] >> Well, in the in the Okay. In the video
[16:43] where he's being shot, it wasn't
[16:45] actually him. It was a hologram.
[16:47] >> Oh,
[16:48] >> there was a there was a trap door. There
[16:50] was a trap door and he So, the actually
[16:53] believe this. You're just having fun
[16:54] with this.
[16:55] >> No, I believe this. I Well, I believe
[16:56] one of two theories. That's one of the
[16:58] theories. I don't believe he's actually
[16:59] dead.
[17:00] >> Okay. And the other theory would be
[17:04] >> um
[17:05] well I've got
[17:06] >> Well, now I understand why you guys
[17:07] can't talk about things cuz you guys are
[17:09] like scary with your
[17:13] >> trap door that you think.
[17:14] >> So yeah, the door. There was a trap
[17:16] door. They covered the trap door up like
[17:19] right either that night or the next day.
[17:22] >> I That's the cover up people.
[17:24] >> The cover up people.
[17:25] >> Yeah, the cover up people. What would
[17:26] you call them? I don't know. Like
[17:28] >> I don't know. Just like who are they?
[17:29] What's the reasoning?
[17:31] >> The CIA.
[17:32] >> So where is he now?
[17:33] >> Um in hiding
[17:34] >> chief obey.
[17:36] >> Why would he want to hide? He was very
[17:38] successful.
[17:38] >> There are people because
[17:40] >> why would he want to be hiding? Well, I
[17:41] will say
[17:42] >> and it's all part of the plan.
[17:44] >> What plan?
[17:45] >> The plan with Donald Trump and all. So
[17:46] it all plays into each other. Okay. So
[17:49] we are under a military operation right
[17:51] now.
[17:52] >> There's an attack on the species by a
[17:54] guild of psychopaths and they must be
[17:56] defeated.
[17:57] >> Yeah.
[17:57] >> Were you a part of this?
[17:59] No.
[18:00] >> Okay. I think he might have some insight
[18:01] if this is a thing.
[18:03] >> So, all of these things like the Charlie
[18:05] Kirk stuff, like the celebrities, all of
[18:07] it
[18:07] >> cuz she's bashed insane. You married her
[18:10] and she's over.
[18:13] >> Is that worth it?
[18:14] >> Thanks.
[18:15] >> Somewhat sad.
[18:16] >> No, but when when all of it goes down,
[18:18] you be like, "Oh, that that crazy
[18:20] lady. She was actually right."
[18:21] >> All of it goes down. What's going to go
[18:23] down?
[18:23] >> It goes down or it doesn't go down. the
[18:24] way it's
[18:25] >> we're all going to wake up to the
[18:26] freaking that's going on in the
[18:28] world. So like the celebrities and the
[18:30] sex trafficking rings
[18:31] >> are going to do what?
[18:32] >> They're going to they're going to get
[18:34] hung in public.
[18:35] >> This is total mental illness.
[18:36] >> What? No. No.
[18:37] >> Yes. Military tribunals are coming.
[18:40] >> Okay. So I will say this on the military
[18:42] tribunals thing like they hold people
[18:45] accountable in a military tribunal
[18:47] because like be one you're too rich your
[18:50] your name's too big or this or whatever
[18:52] the case may be because with military
[18:53] tribunal you are how do I say this like
[18:56] there's a lot of normal citizen laws
[19:00] that they don't I would say quote not
[19:01] have to follow but they are outside
[19:04] those laws because of the the power that
[19:06] they hold so to speak. So in order to
[19:07] Trump to catch some of these people,
[19:09] right, you have to hold a military
[19:10] tribunal to hold them at a higher
[19:12] accountable standard. Something along
[19:14] those lines. It's still kind of like
[19:15] >> it's coming under this military
[19:17] operation.
[19:18] >> Yeah. So they're he's going to expose
[19:20] everybody.
[19:21] >> So honestly, why even care about your
[19:23] personal finances if like this big thing
[19:25] is going to come?
[19:26] >> Why does it even matter?
[19:28] >> It'll solve everything. Why does it even
[19:30] say Biden was never really president
[19:31] either supposedly?
[19:33] >> I don't think so.
[19:34] >> He was never actually sworn in either.
[19:36] Did you see his earlobes?
[19:37] >> Weren't they like old man earlobes?
[19:39] >> No. So he's Okay. So they had like he
[19:43] >> So he wasn't actually president. He's
[19:46] actually dead.
[19:46] >> Who was
[19:47] >> Trump was commander-in-chief of the
[19:49] military. So they put him in as a
[19:51] puppet.
[19:52] >> So I will say this when they when they
[19:54] did his inauguration, right?
[19:56] >> They played the funeral taps over like
[19:59] an actual presidential introduction type
[20:02] deal.
[20:03] >> So Trump did the Afghanistan withdrawal.
[20:05] That was a disaster.
[20:07] >> Um well Trump was in
[20:08] >> Trump was the president when we had 10%
[20:10] inflation.
[20:11] >> Yeah. So yeah. So it was all
[20:13] that was anyway.
[20:15] >> Well it's to wake everybody up to see
[20:16] like co for example
[20:18] >> which was also
[20:20] >> It was and it woke a lot of
[20:21] people pass the inflation reduction act
[20:23] the infrastructure bill the
[20:25] >> um behind the scenes to wake everybody
[20:26] up to make it look like it was Biden.
[20:30] >> Okay.
[20:33] No, it is like if you look at
[20:35] >> look into it, guys.
[20:36] >> You do.
[20:36] >> Can I just ask you a question? Is the
[20:37] world flat around?
[20:38] >> It's flat.
[20:39] >> Okay.
[20:40] >> And I can Well, I can kind of prove
[20:42] that.
[20:43] >> How can you prove that? If the earth is
[20:45] flat, there's a military operation
[20:47] happening. We the the the presidency is
[20:49] not even a thing. Why would we take the
[20:52] effort and sacrifice that required to
[20:53] get this under control if all still got
[20:56] to live? Like there's still
[20:57] >> But if everything comes down, it won't
[20:59] matter.
[21:00] >> It won't matter. people for freedom if
[21:03] all this doesn't matter.
[21:04] >> Well, because it is. He wants freedom.
[21:06] So, right now, we've been under a
[21:08] undercover war for a long time now. So,
[21:10] Trump is actually
[21:12] >> with these elites and these child
[21:14] traffickers
[21:15] >> trying to take over the world.
[21:17] >> Hey, I got rich. Does that mean I'm all
[21:19] of a sudden diddling children? Is that
[21:21] how this works?
[21:23] >> When you unlock a network, do you all of
[21:24] a sudden like, oh, that's a child.
[21:26] >> No, that's not true. But there's a lot
[21:28] of people who are who they get into
[21:32] their rich and fame by selling their
[21:35] soul and doing dirty things with
[21:37] children.
[21:37] >> What the are you talking about?
[21:39] >> Selling your soul. Did you sell your
[21:41] soul?
[21:41] >> No.
[21:42] >> Well, not everybody does.
[21:43] >> Created a popular show.
[21:44] >> For Okay, Justin Bieber. He tried to get
[21:47] out of it, but he sold his soul. He did
[21:49] a lot of bad things.
[21:49] >> Bro, that dude his brain with drugs.
[21:53] >> I don't think I'm listening to that.
[21:54] >> Did he?
[21:56] >> Well, did he? Diddy.
[21:57] >> Diddy and him were like
[21:58] >> Yeah, Diddy was like lube obsessed. I
[22:00] don't know.
[22:00] >> No, he was child obsessed.
[22:02] >> Yeah, pretty sure.
[22:03] >> I don't think his whole did the whole up
[22:05] in just children. It was It was He was
[22:08] on trafficking charges, but not for
[22:10] children.
[22:10] >> Kanye West. They made him look crazy cuz
[22:12] he was starting to call out the
[22:14] >> Well, I think he made himself look crazy
[22:16] and he just got rid of and he just
[22:18] apologized.
[22:18] >> So now the Kanye West that's here isn't
[22:21] actually the Kanye West.
[22:23] >> What?
[22:23] >> See how all this has no factual? No, it
[22:26] does have to though. It does.
[22:29] >> It's all insinuation, bro.
[22:30] >> It's not. It's factual.
[22:32] >> It's not factual. Factual be a fact. But
[22:34] that that phone's black, right?
[22:36] >> Prove to me that the world is flat.
[22:38] >> Well, then you got to pull out scripture
[22:39] and stuff. But basically, yeah,
[22:42] >> I like the Bible. I don't remember any
[22:46] type.
[22:47] >> Hey, type in chat GBT and tell it to
[22:49] make you a model of the world based off
[22:51] the Bible and the Ethiopian Bible and
[22:52] the book of Enoch.
[22:55] do it. Okay. So, you've got like the
[22:57] thing, right? And then you've got the
[22:59] what is it called? That
[23:00] >> we call the foundation.
[23:01] >> Well, you got your foundation, then
[23:02] you've got the
[23:03] >> Oh, You're in this, too. You got
[23:06] the firminant.
[23:06] >> The firmament. Thank you. And then
[23:07] you've got shiel, which is like hell.
[23:09] >> Um, and then let's see, you got the sun
[23:14] are in here. And then when you talk
[23:16] about the book of Enoch, there's
[23:17] different portals right in through here
[23:19] where the angels, how do you make little
[23:22] angels?
[23:24] They control the weather through these
[23:27] portals that go like in and out.
[23:30] >> Oh they have children.
[23:31] >> And then it goes down like this. Well, I
[23:33] teach them about like NASA and stuff,
[23:35] too. But did you know NASA means to
[23:36] deceive
[23:36] >> about that?
[23:37] >> I teach them about all of it so they can
[23:39] think for themselves.
[23:40] >> That's not thinking for themselves.
[23:41] That's you teaching seven, four, six,
[23:43] and 14mony year olds.
[23:45] >> Well, but you're not that's not thinking
[23:47] for themselves. You're telling them.
[23:49] >> No, that's not true. I'm not telling
[23:50] them. I'm saying these are theories.
[23:52] This is Where's the Earth?
[23:53] >> This is the Earth.
[23:54] >> Okay. So, I'm not going to ask or
[23:56] insinuate, but I'm sure in the military
[23:58] you went places. Did you go in a
[24:00] straight line?
[24:02] >> I mean,
[24:03] >> or did you go around the planet?
[24:04] >> I mean, my here's my view, right? When
[24:06] you fly,
[24:07] >> I mean, I've never paid attention enough
[24:10] to know if we're going sideways, going
[24:11] around, or whatever.
[24:13] >> That's not true either. But,
[24:16] >> um, you kids are not being homeschooled.
[24:19] >> They are being full. I am going to
[24:22] >> But I do but I but I don't teach them.
[24:24] I'm not saying this is fact. I say this.
[24:26] >> She does give them options, right? She
[24:27] teaches them about both unless they make
[24:28] their own assumption at something about
[24:30] like the globe and NASA.
[24:32] >> I'm afraid to ask a question.
[24:33] >> I'm scared to hear it.
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[26:02] >> Oh gosh, that's so scary. Some of them I
[26:04] think are planned by the government and
[26:07] um the Freemasons.
[26:09] Don't
[26:09] >> I think the shootings actually do
[26:10] happen, but I think they're just random
[26:12] acts of violence. I do not think that. I
[26:13] mean, let me let me think some of them
[26:16] are because these are
[26:17] crazy as hell these days. But
[26:19] >> like, you know, you got to look like
[26:21] this way. You got kids having kids back
[26:22] in the day. They have their damn
[26:24] parents. We got a victim ass mindset of
[26:25] the world. It's everybody else's fault
[26:26] but mine.
[26:27] >> They think they should have a litter box
[26:28] in their public school bathrooms.
[26:30] >> That's been a huh?
[26:31] >> There are no litter boxes in schools.
[26:34] >> These conspiracies are insulting.
[26:36] >> Yeah.
[26:36] >> Wait, no. What? They want litter boxes
[26:38] in the public school bathroom so kids
[26:40] can pretend they're cats.
[26:41] >> They don't want them. That should
[26:42] actually
[26:42] >> Okay. There's some crazy going on
[26:44] with like weird gender for kids. I
[26:46] Okay, that's fine. But that doesn't mean
[26:48] every mass shooting's fake.
[26:49] >> Well, no. I didn't say every mass
[26:50] shooting. I just
[26:51] >> That doesn't mean the majority that
[26:52] doesn't mean any of them
[26:54] >> a lot of them.
[26:55] >> Sandy Hook.
[26:56] >> O. Yeah. That Well, so actually one of
[26:59] the teachers who supposedly died in that
[27:02] shooting died in another shooting like a
[27:04] couple years ago. Okay.
[27:06] >> Like the same person central casting
[27:09] >> apparently. I guess apparently means
[27:11] reality and fake.
[27:13] >> Bro, you just drew doors on the cap of
[27:16] the earth where angels control the
[27:17] weather.
[27:18] >> Yeah, angels are real.
[27:20] >> They are.
[27:20] >> They are.
[27:21] >> If you're a believer, it's not saying
[27:23] that angels are fake or real. But you
[27:25] said you said they're controlling the
[27:26] weather via a door in the top.
[27:29] >> Regardless,
[27:30] >> did we go to the moon? Did we just fly
[27:31] around the moon?
[27:32] >> Did we just fly around the moon? We did
[27:34] not go. We've not been to it. Did we
[27:36] just fly around it?
[27:37] >> We have not even flown near it. Why?
[27:40] >> But I don't understand why. It's not
[27:41] that difficult.
[27:42] >> Even the buzz dude said that it is.
[27:43] >> But it's not that difficult though to go
[27:45] up Elon. All
[27:46] >> it is
[27:47] >> in Brownsville where he's launching
[27:48] rockets like every 3 days, that's all
[27:50] fake.
[27:51] >> Well, I mean, they're going up, but
[27:52] they're not going that high up.
[27:53] >> What the So, all the satellites where
[27:55] I'm getting my Starlink internet.
[27:57] >> Yeah, it's all fake.
[27:58] >> So, the internet I'm getting is fake.
[28:00] Where's it coming from? No, your
[28:01] internet might be real, but like I don't
[28:03] But it doesn't change the fact that we
[28:05] >> idea of space.
[28:06] >> You think we just got cell phones. You
[28:08] think we could go to the moon and take
[28:09] videos?
[28:10] >> Yes, it's not that difficult to go up in
[28:13] gravity,
[28:14] >> but it all
[28:14] >> like it isn't that crazy. Like, yes,
[28:16] it's difficult for us to be 100% safe,
[28:18] but it's not actually that. It is. I
[28:22] think some of these conspiracies can be
[28:23] true because if you look at the way 9/11
[28:25] happened, right, and why we are
[28:27] Afghanistan and things happened in
[28:28] Afghanistan that didn't make any
[28:29] sense. Like
[28:31] >> you'd have people there, dude, like
[28:32] we're not out there just like fighting a
[28:34] a war, someone trying to kill us, right?
[28:35] We showed up, tried to fix their
[28:37] They got pissed off at us. Now we're
[28:39] fighting back and forth. Obviously,
[28:40] we're gone from there now, right? But
[28:41] >> what does this have to do with the moon?
[28:42] Wait what?
[28:43] >> Because here's here's what I think on
[28:44] that aspect of things, right? It's like
[28:46] like 911, right? 911.
[28:48] >> Oh,
[28:48] >> Was playing a lot of the moon stuff is
[28:50] done underwater.
[28:51] >> Are you going to let me talk or No.
[28:52] What? What the
[28:54] >> Well, you interrupted me, so I figured.
[28:55] >> Well, cuz y'all just going on and on.
[28:57] There's nothing happening in the
[28:57] conversation.
[28:58] >> But there is stuff happening. I'm
[29:00] educating him.
[29:01] >> Just I ain't going to lie to you, bro.
[29:02] You had a whole lot of backual like
[29:03] backs on your stuff. So,
[29:05] >> that's cuz we're jumping topics a lot.
[29:07] >> It's just a bunch of theories.
[29:08] >> So,
[29:09] >> they have no
[29:10] >> I'm like blowing your mind right now.
[29:12] >> No.
[29:12] >> Yeah. She goes off a guy named Derek
[29:14] Johnson 1776 on Facebook, right? Amazing
[29:18] >> on Facebook.
[29:19] >> No. Okay. He's not just on Facebook.
[29:21] He's got different stuff. He is
[29:23] >> I'm pretty sure he has a photographic um
[29:25] >> Here's what I think, bro. You don't know
[29:27] Govern doesn't want you to know
[29:28] I didn't know
[29:32] Like, you ain't going to know
[29:33] unless he wants you to know what you do
[29:34] know. They want you to know it.
[29:35] >> But that's what I'm saying.
[29:36] >> Is Eric Johnson a Christian musician?
[29:39] >> Yeah, he also does music. But you look
[29:41] up his he's like a blueprint of
[29:44] everything and he goes like there's
[29:46] executive orders that put Trump as
[29:49] commanderin-chief. Like the dash the
[29:51] dash means he shot
[29:53] >> Derek Johnson.
[29:53] >> Trump that was fake.
[29:56] >> Have you seen his ear?
[29:58] >> I will tell he
[29:59] >> Yeah. No, like he No, he overplayed the
[30:01] ear thing. It was a piece of like
[30:03] shrapnel from when the bullet hit. Yeah,
[30:05] he overplayed that with the big but to
[30:08] say he's not sh He wasn't shocked. It
[30:10] was planned. It was staged.
[30:12] >> She thinks Trump staged his own
[30:14] shooting.
[30:14] >> So essentially to confirm the interview
[30:18] was there.
[30:19] >> Yeah.
[30:20] >> Yeah. It's all central casting. It's all
[30:22] >> No, nothing's real ever.
[30:24] >> Well, what do you mean?
[30:25] >> No. Anything that's ever happened is not
[30:27] real to you.
[30:28] >> Well, a lot of what we're taught is not
[30:30] real. Like Thanksgiving, the true thing
[30:32] around Thanksgiving isn't like what
[30:34] >> I think one thing you can look at that's
[30:35] may not be real. If you look at like
[30:37] this is going to make some people mad
[30:38] probably, but if you look at the
[30:39] Holocaust, right? There's been some
[30:41] videos put out there. I'll say it. I
[30:44] don't give a Like there's some
[30:45] people out there that that that take a
[30:46] video of Hitler. And I'm not saying what
[30:49] Hitler did was good at all. Not what I'm
[30:51] saying. But what I'm saying is I think
[30:53] nowadays Israel is definitely the head
[30:55] of everything, right? The Jews are
[30:56] whatever. And like if you're if you're a
[30:58] believer, right? And God talks about
[31:01] Israel trying to save the children as a
[31:02] people, as a nation, not as the state as
[31:05] it is, right? Like Israel is a state
[31:07] like its own thing, right? But like
[31:10] they're the most corrupt
[31:11] in the entire world. Like 100%.
[31:14] >> Right?
[31:15] >> And I'm not saying the Holocaust was
[31:16] good. Not I'm saying Hitler had a point.
[31:18] I'm not saying I agree with Hitler. I
[31:20] don't know if I agree with that. Not
[31:22] saying that. Not saying that. Let me
[31:23] fish what I'm saying. Damn it. What I'm
[31:25] saying is is the people who are
[31:27] disrupting our government now, right? If
[31:30] you look at everyone who is a Jewish who
[31:32] was a Jew and they're in power, things
[31:33] like that. Look it up, bro. Look the
[31:35] up. This I'm not a big conspiracy
[31:37] theorist. This is something that I will
[31:38] die on, right?
[31:40] >> Hitler was trying to prevent his country
[31:42] from taking over a bunch of crazy ass
[31:44] powerful type people. Time out. Listen,
[31:47] that is a fact. Now, will I say Hitler
[31:48] killed innocent mother? He did. He did
[31:51] some really bad things, but his main
[31:53] purpose behind it all. He was trying to
[31:57] prevent a takeover from who United
[31:59] States is being run through by now.
[32:00] >> So basically what Trump is doing is like
[32:02] what Hitler was doing except doing it
[32:03] the right way. He's trying to CALL
[32:05] EVERYBODY OUT.
[32:06] >> I DON'T KNOW IF I'M GOING TO SAY THAT,
[32:07] DOG. I ain't going to go that far.
[32:09] >> He's not trying to kill people that far.
[32:10] >> He's not trying to kill people, but he's
[32:12] trying to
[32:13] >> That's a little mix up there, dude.
[32:14] >> He's trying to expose people.
[32:16] >> That is a Yes. Okay. Talking about
[32:18] Hitler would expose nobody. He was
[32:20] saying he say you I don't like either
[32:22] but Trump is trying to get out of my
[32:23] country when he's not trying to kill
[32:24] terminate you. You know what I'm saying
[32:26] that that that's
[32:27] >> you guys find each othering.
[32:33] >> Oh man,
[32:33] >> I don't even know what to say to any of
[32:35] that.
[32:36] >> No, but to like clarify to clarify
[32:38] >> to clarify. THERE'S A LOT TO CLARIFY
[32:40] THERE.
[32:40] >> What Hitler did WAS OKAY. LIKE I LIKE
[32:43] >> WE'RE BACK TO THE AGE.
[32:45] >> NO, because I don't think what he did
[32:46] was okay abortion. Like killing people
[32:49] is not okay. So
[32:50] >> I think what Hitler was getting at, bro.
[32:52] >> What did you say?
[32:53] >> I don't believe in abortion.
[32:54] >> Okay.
[32:55] >> So I don't think because I don't think
[32:56] what Hitler did was okay. I don't think
[32:58] him killing people was okay. But I think
[33:01] that maybe there's a reason for what he
[33:03] was trying to do.
[33:04] >> A different way he could have handled
[33:05] it. Yes.
[33:06] >> But the history people was trying to
[33:09] stop are the same mother running our
[33:12] today.
[33:15] >> Straight up. Come on.
[33:16] >> That's a man. Do you need a
[33:17] minute?
[33:18] >> That's a fact, dude.
[33:19] >> I don't need a minute. I just don't EVEN
[33:20] >> THE STATE OF ISRAEL is running the show.
[33:22] >> I could really use a margarita right
[33:24] now.
[33:25] >> The state of Israel is running
[33:26] everybody's The Rockefellers,
[33:28] Black Rock, Vanguard, all these people,
[33:30] bro. They running They running the show.
[33:32] >> There's four more of them that they made
[33:35] >> and they are going to be the ones who
[33:36] are running this country the right way.
[33:38] >> Oh, our children.
[33:41] >> My daughter's going to be the next
[33:42] president.
[33:43] >> Aiden will be pretty cool. Um,
[33:45] >> me I don't even know, man.
[33:48] >> I don't even know. Well, so clearly your
[33:52] military disability is a brain injury.
[33:54] >> It's a heart issue, actually.
[33:56] >> He does have that
[33:56] >> from the military.
[33:57] >> Yeah, I had a heart attack when I was
[33:59] >> issue. So, he's got from the military.
[34:01] >> I've got some PTSD and too, going
[34:03] on. But
[34:03] >> everyone does, I guess.
[34:04] >> It was all from the military. Yep. Too
[34:06] much caffeine, too much drugs, too much
[34:07] lifting weights, too much stress.
[34:09] >> They gave you the drugs?
[34:11] >> Well, they gave him all sorts of
[34:12] vaccines. We got a ton of them.
[34:14] >> And so that
[34:14] >> Oh Oh my goodness. You're
[34:16] literally latching on to everything that
[34:18] people like you are just on about.
[34:20] >> But because we're right.
[34:22] >> See, you can't say that cuz you don't
[34:24] really know. You just have a
[34:25] >> know. Like I ain't saying I'm right, but
[34:27] I have a theory.
[34:28] >> What?
[34:29] >> But I believe my theory.
[34:30] >> I I think I'm happy that I got some of
[34:33] them when I was a kid.
[34:35] >> No.
[34:35] >> None.
[34:36] >> I I don't believe in vaccines.
[34:37] >> Not even polio?
[34:38] >> No. Um actually, if you look into the
[34:40] history of all these
[34:41] >> Okay. Polio is like a 0.0000 Z3% chance
[34:45] of even getting the paralytic polio.
[34:47] >> It wasn't very good back in the day when
[34:49] a lot of people were getting it.
[34:51] >> I I know. But that's what I'm saying.
[34:52] They were a lot of people were not
[34:54] getting it.
[34:56] Yeah. No, that's just inaccurate.
[34:59] >> And the studies and the uh statistics
[35:02] that you have that you get for that, you
[35:04] have to pay for it. Why do you have to
[35:05] pay for statistics on
[35:07] >> vaccine preventable
[35:09] will tell you? No, you can't do that
[35:12] >> to get the statistics for all these.
[35:15] >> She's saying to get the data on the
[35:17] vaccines, you got to pay for to get the
[35:18] data is what she
[35:19] >> did report that uh from from who?
[35:22] >> From the CDC or whatever the place is
[35:24] that has it.
[35:27] >> Listen, I mean, I think
[35:28] >> probably just use Chad PD. No, you
[35:30] can't. I think everyone is in alignment
[35:32] that maybe went a bit too hard during
[35:34] the co thing with the freak out. Like, I
[35:36] get it, but a lot of that is hindsight.
[35:38] Okay, hindsight. We didn't we also
[35:40] didn't really
[35:42] when it first started we didn't really
[35:44] know.
[35:44] >> Listen, I'm going to tell you when I
[35:45] first started I said guess who I was
[35:47] like actually trying to give you a bone
[35:49] here of like I understand where a lot of
[35:52] people's minds are cuz we went way too
[35:54] hard in places like California license.
[35:56] No, I get it. I get it. I get it. I get
[35:58] it. And hindsight, yes, it wasn't as I
[36:01] get it. If you're a healthy adult,
[36:03] whatever. But come on. I mean, I'm okay
[36:05] that I got the polio. I'm happy that I
[36:07] got the polio. But not everybody is.
[36:09] >> Huh? Not everyone is. What?
[36:10] >> And if your vaccine works, then why do
[36:12] why do why do we need to get it? So
[36:14] let's say you've got your polio vaccine.
[36:16] >> What did you just say?
[36:17] >> And I'm not and your vaccine works and
[36:19] polio is going around. Then why do I
[36:21] need to be vaccinated if your vaccine
[36:24] works?
[36:26] >> Cuz vaccines create antibodies
[36:29] to protect you against.
[36:31] >> But I've got Yeah, but the disease
[36:33] >> I gave him a big uh
[36:35] >> I know. which is why he's kind of
[36:37] >> Mhm.
[36:37] >> You think?
[36:38] >> Listen, dog. That's not why actually.
[36:41] But
[36:42] >> I I dude, I don't even I just don't even
[36:44] know what to say. When there's like
[36:45] different realities, it's not a
[36:47] conversation that can be had. Like I
[36:48] just don't know.
[36:49] >> There's reality and then there's the
[36:50] show that you're being given.
[36:51] >> Okay, Tom. I'm going to say this real
[36:53] quick. This is the basis of what we This
[36:55] is definitely like a belief thing,
[36:58] right? And I will say this. If I So,
[37:00] when I was born, right, my mom, she's a
[37:01] nurse, would have been nurse for 40
[37:02] something years, right? She didn't get
[37:03] us vaccinated at all, right? I think I
[37:05] think we had the vitamin K shot. I think
[37:06] something like that. One or two that was
[37:08] >> individuals do is
[37:09] >> and what I'm what I'm saying is is like
[37:11] there's a lot of people I felt who don't
[37:13] get the vaccines who stay healthy for a
[37:14] very long time, don't get sick very
[37:16] often, whatever, right? And then and but
[37:18] I'll say this on the on the contrary,
[37:19] right? On the contrary, right? When I
[37:21] went to the military, they give you
[37:22] every damn vaccine. You probably think
[37:23] them in your mind is healthy. When I was
[37:26] in there, I I I dude I don't remember
[37:28] one time getting sick besides that,
[37:31] >> right? And that's kind of a big deal I
[37:32] get, right? But the but the heart attack
[37:34] heart attacks can be very much stress
[37:36] induced, stimulant induced, whatever the
[37:39] case may be, right? Stress, whatever.
[37:40] Heart attacks can happen for a lot of
[37:41] freaking reasons, right? Whatever.
[37:42] >> And you said drugs like I don't know,
[37:44] but you said drug. Yeah, drugs.
[37:46] >> Drugs. I took Okay. So, I took a lot of
[37:48] like obviously I mean you've got
[37:50] pre-workouts got a ton of in them
[37:51] you don't really know about, right?
[37:52] >> Including caffeine. And if you were
[37:54] caffeine maxed, like you were you likely
[37:56] above the daily dose, right?
[37:57] >> I'm taking a ton, bro. It would do
[38:00] it. But there was also, you know, you
[38:02] got to look at like SARMs, a selective
[38:04] android module receptor. I don't know if
[38:05] those are or not, but they're basically
[38:07] >> a selective andro receptive module
[38:10] module, excuse me, receptor module. I
[38:13] can't say it, but
[38:14] >> basically what they do is they adapt to
[38:16] your attach to your receptors in your
[38:19] body to create physical
[38:21] >> attributes, whether it's muscle,
[38:22] endurance, whatever. Right? Instead of
[38:23] taking like steroids, it affect your
[38:25] hormones. SARMMS for the most part don't
[38:27] affect your hormones, right? So, I was
[38:29] taking those, right? So, I was pretty
[38:30] jacked. Whatever.
[38:31] >> Things like that. So,
[38:32] >> okay. What's your disability again on a
[38:34] monthly basis?
[38:35] >> 4,646.
[38:36] >> Okay. So, 8,46.
[38:38] Okay. That's
[38:39] >> Wait, what?
[38:40] >> What? Eightal
[38:42] >> with your four with the four that comes
[38:43] in with the other job. So, that's the
[38:45] eye.
[38:46] >> That
[38:46] >> How much is that?
[38:47] >> Uh, 1905 + 955.
[38:51] >> Can you
[38:52] >> whatever that is?
[38:52] >> Math that.
[38:53] >> Yeah. I didn't go I didn't go to
[38:55] college, but I dropped out. So,
[38:57] >> 9005. You said
[38:58] >> 1905. So 1905 plus 955.
[39:02] >> Okay. Plus
[39:05] >> Okay. So yeah, that makes sense that you
[39:07] can stay at home and teach your children
[39:08] to be
[39:09] >> also work.
[39:10] >> Actually, my kids are several grade
[39:12] levels above the average child.
[39:13] >> How would you know?
[39:14] >> Um because I've tested them.
[39:16] >> You tested them? Great. She's got a
[39:19] third party. You got to you got to talk.
[39:21] Say for real, bro.
[39:22] >> So they're actually extremely smart and
[39:25] socialized.
[39:26] >> Uh-huh. They are.
[39:26] >> And I believe that. Did you know over
[39:29] 70% of kids in the public school system
[39:32] aren't even making their
[39:33] >> Did you know that 100% of the things you
[39:35] say I can't trust anymore?
[39:37] >> They like you ruined everything you will
[39:40] ever because you don't know the
[39:42] research. I don't have all the research
[39:43] in front of me.
[39:44] >> This is how you drew the planet. Then
[39:45] you said angels come through this door
[39:47] to control the weather.
[39:48] >> Well, read the book of Enoch.
[39:49] >> Let me just grab my stuff off the bus.
[39:54] >> I don't know that one.
[39:55] >> Okay. Exactly. But do you believe? Okay.
[39:57] Well, here's the thing.
[39:58] >> What is it?
[39:59] >> It's a book.
[39:59] >> It's part of the Bible.
[40:00] >> From the Bible.
[40:01] >> Is it in the Bible?
[40:02] >> Taken out of the Bible.
[40:03] >> Taken out of the Bible.
[40:04] >> Okay. Well, if it's not in, then
[40:05] >> it's cuz of King James, bro. King James
[40:07] is a correct little bag, too.
[40:08] >> Huh?
[40:09] >> King James took the book of Enoch.
[40:10] >> Hold on. If If you are a believer in the
[40:13] Christian faith, the book of the Bible
[40:15] is the word.
[40:16] >> Yes.
[40:16] >> That's it. That's the original Bible.
[40:19] No, that's not it. There was the
[40:20] original Bible. There's the Ethiop.
[40:22] >> There is There's all sorts of things.
[40:24] All sorts of books that were taken out.
[40:25] didn't even answer that.
[40:26] >> Yes.
[40:27] >> Yes. They're the ones that took it out.
[40:28] But
[40:28] >> it's I council nia.
[40:30] >> I can't say that word. But anyway, not
[40:32] >> like the whole purpose of it is, right,
[40:34] is like I believe here's the deal too
[40:36] about the word, right? The word the the
[40:38] the word of God has been translated.
[40:40] >> Your mother's
[40:41] >> your your mother's so
[40:43] >> it's translated so many times, bro. You
[40:45] can't take the word of God in an NIV or
[40:48] a NIT or a King James version and read.
[40:51] >> So why would they take that out? your
[40:53] magical dome
[40:53] >> because then it proves
[40:55] >> government bro that's the government
[40:56] >> why what what advantageous thing would
[40:58] the government have to say that it's hey
[41:01] what what benefit control how are we
[41:03] being controlled by saying the earth
[41:05] >> if you prove God is real
[41:07] >> what does it do to say it's round what
[41:08] do they gain
[41:09] >> okay for what are they gaining because
[41:12] deception the truth the truth that the
[41:14] lord is real
[41:15] >> what how does it disprove that by saying
[41:17] the planet's round
[41:18] >> because when you when you when you read
[41:20] the first when you read the I can't
[41:21] quote it I can't. But if you read the
[41:23] Bible, when it starts when it starts
[41:24] talking about how he made the earth,
[41:27] right? He talks about the firminant
[41:28] waters both the firminant and then he
[41:30] talks about
[41:30] >> how earth was made because then it
[41:32] disproves evolution. E N O
[41:36] >> it disproves evolution and like that we
[41:38] came from monkeys. They want control
[41:40] which is the
[41:41] >> Okay. So, okay. When Darwin made that,
[41:44] you know, he worked on all that. Very
[41:47] good.
[41:48] What does it actually give them that
[41:51] some people believe in evolution?
[41:53] If you prove God, if this proves God is
[41:56] real,
[41:56] >> if you prove God is real, you lose you
[41:58] lose all power, all everything.
[42:00] >> And what does that why does that even
[42:01] matter? Cuz like first of all,
[42:03] Republicans in this country are
[42:04] overwhelming religious and they're
[42:05] trying to push religion.
[42:06] >> They think they think they are, but like
[42:08] >> you want they want you to think they
[42:09] are.
[42:10] >> It's a spiritual battle. But for what is
[42:11] this battle raging, you ask? I don't
[42:13] know. What stands at the center? So then
[42:15] you working together o
[42:17] >> Yeah. E N O C
[42:19] >> Republican Democrats work together
[42:20] anyway.
[42:21] >> It's Yeah. But it's a spiritual battle.
[42:23] >> If I run for office and I get elected,
[42:24] I'm all of a sudden going to just be
[42:26] this evil person, a part of a
[42:27] conspiracy. I wouldn't say that even if
[42:28] I never
[42:30] would have heard of it.
[42:31] >> I think people slowly
[42:32] >> because you're they're going to
[42:33] introduce themselves to you and they're
[42:35] going to ask you to join their and
[42:37] if you say no, then they're not going to
[42:39] let you go further. Or if you say yes
[42:41] and then say no, they're going to label
[42:42] you as crazy.
[42:44] Why do you think they're all on Candace
[42:46] Owen's ass trying to make her look
[42:48] crazy?
[42:50] >> There's one. She might be.
[42:53] >> That's one option.
[42:54] >> She's not crazy, though.
[42:55] >> She might be
[42:56] >> like, you okay, you know Britney Spears?
[42:58] She her and Justin Timberlake actually
[43:00] died in a car accident.
[43:02] >> Enoch was not actually written by the
[43:03] biblical Enoch. It was written by
[43:05] multiple Jewish unknown authors
[43:07] >> allegedly. So
[43:08] >> composed over several centuries from 300
[43:12] BC to 100 BC.
[43:13] >> Yeah, they found
[43:14] >> with some sections possibly even later.
[43:18] >> So Enoch was actually
[43:19] >> it's not a single book. It's a
[43:20] collection stitched together
[43:22] independents though.
[43:23] >> So Enoch was actually sent into the
[43:26] Garden of Eden to be as like a
[43:28] bookkeeper for everything that's uh
[43:32] that person isn't a thing. It was
[43:35] written by other Jews,
[43:37] >> Jewish people.
[43:37] >> But I also think this, bro, you have to
[43:39] go, you have to read the book.
[43:42] >> It may be fine.
[43:43] >> Say it was written by multiple Jewish
[43:44] people.
[43:44] >> That's going to tell you what they want.
[43:46] That's going to show you what they want
[43:47] you to know.
[43:48] >> Okay, very good. And where are you
[43:50] getting the truth?
[43:51] >> Um,
[43:52] >> we made it up. We made this one up. It's
[43:54] a madeup tale. It's a total fabrication.
[43:57] >> The the Lord
[43:58] >> See, this is where he told to What do
[44:00] you mean?
[44:01] >> Enoch said this was written by Enoch.
[44:03] What?
[44:03] >> Enoch said this was written by Enoch. I
[44:05] didn't say Enoch said it was written by
[44:07] Enoch. I said read the book of the
[44:08] truth.
[44:09] >> How am I getting what truth?
[44:10] >> That truth that it was uh that Enoch
[44:12] went into the garden.
[44:13] >> Uh because it's in the Bible. It's in
[44:15] scripture.
[44:16] >> What? Which one?
[44:18] >> In Enoch.
[44:18] >> In Enoch,
[44:19] >> which is not in the Bible.
[44:20] >> It was taken out of the Bible.
[44:21] >> Out of the Bible, though.
[44:22] >> This sounds absolutely insane. And I'm
[44:25] aware
[44:26] >> it was originally in the Bible.
[44:28] >> Oh
[44:30] >> I'm pretty sure I'm right on that
[44:31] though.
[44:32] No, I don't think you're right on
[44:34] anything lately.
[44:34] >> I am right on it. It was taken out of
[44:36] the Bible because they felt like it
[44:38] wasn't it couldn't be um
[44:41] proved legit is their reasoning, but it
[44:44] was in the original.
[44:45] >> Here's my deal, too, bro. Is like if
[44:47] you're talking I don't know if you are
[44:48] or not, Caleb, but if you talk to
[44:49] anybody else who is a believer and not a
[44:51] believer, whatever the case may be is,
[44:53] right? Whatever your belief is, right?
[44:55] It's really hard unless you've
[44:57] experienced God yourself. It's hard to
[45:00] believe that God is real.
[45:02] >> So, it's considered a false attribution
[45:04] by scholars all across multiple
[45:06] centuries since the Bible was made.
[45:08] >> The thing that it talks about is very
[45:10] >> it's very different. They don't want you
[45:12] to believe
[45:13] >> who they you keep saying they who
[45:15] >> the people in control like the
[45:16] Rockefellers the
[45:17] >> the Rockefellers didn't exist I've seen
[45:19] didn't exist when all these
[45:21] >> when they said well they didn't exist
[45:23] over the centuries when they were saying
[45:25] it's a false attribution like it was
[45:27] never not once a part of the Jewish
[45:29] cannon not once a part of the Hebrew
[45:31] Bible Ethiopian
[45:34] >> Ethiopian why the would I care
[45:36] about Ethiopian
[45:36] >> because that's the original like the
[45:38] least messed with Bible
[45:42] You got to show cuz you're reading
[45:43] stuff. How do I know that what you're
[45:45] reading is actually cuz I've done my
[45:46] research.
[45:47] >> From what?
[45:48] >> You're doing like a five minute little
[45:49] scroll
[45:50] >> from what have you done your research
[45:52] though.
[45:53] >> Well, I mean, how does anybody do
[45:54] research? You read books. You research
[45:56] things. You Google. You read scripture.
[46:00] >> Uh, I will say this. I mean, I Yes, I
[46:04] am. I'm closest aligned with
[46:05] Christianity, I guess. Okay. But even
[46:07] still, if you you can't read that and
[46:11] say because you heard it in the book and
[46:15] the book says the book is real that all
[46:16] of a sudden the book is real. Let's be
[46:18] real about
[46:18] >> No, but that's not how that works cuz
[46:20] that's exactly that's faith but that's
[46:21] not fact.
[46:22] >> That's Well, that's your opinion based
[46:24] off somebody.
[46:24] >> No, that's faith. It's not fact. I mean,
[46:26] I still do believe in the Bible cuz I'm
[46:28] I guess you believe it's fact.
[46:29] >> This for me, but I am also a realist. I
[46:32] understand that just because if if a
[46:34] book tells me the book is real, that
[46:35] doesn't mean the book is real.
[46:37] >> The but it does
[46:39] >> because everything that's happened
[46:40] religious belief that's not an actual
[46:42] research fact.
[46:43] >> But okay,
[46:43] >> about the world outside of the book of
[46:45] what was happening.
[46:45] >> So much science points to
[46:47] >> science,
[46:48] >> dude. Okay. Do you know they found
[46:49] Jesus's blood? Like they like all of
[46:52] that is real.
[46:55] >> The arc they found the ark of the
[46:56] covenant.
[46:57] >> They found Yes. They found the ark of
[46:58] the covenant and they tested his blood
[47:00] and it only had the chromosomes from his
[47:03] mom. So there's facts that have been
[47:06] hidden that show everything in the
[47:09] Bible, Israel. Like when the Moses split
[47:12] the sea, they found all of the pieces of
[47:14] the trolley, whatever they're called
[47:16] chariots
[47:17] >> in the bottom of the sea. So there is
[47:20] proof, but they're covering it up in
[47:22] hiding. There's certain stories of the
[47:23] Bible they can go back and find the
[47:25] actual art the artifacts of the story of
[47:28] where it happened and like all of that.
[47:30] But I will say this, I agree with Caleb
[47:32] to an extent where it's like I do
[47:33] believe in God 100% Yeshua, Yahweh,
[47:35] whatever you want to call him, right?
[47:36] But at the same time, I think God has
[47:39] given you the ability to use discernment
[47:40] and also the fact of like being able to
[47:42] decipher fact from fifth from fiction on
[47:44] fiction, right? So no matter if you're
[47:46] no matter if you're a human, bro, you're
[47:47] going to have the issue of okay, yes, I
[47:49] do want to have faith in this, but at
[47:50] the same time, I still speculate I
[47:54] specular whatever you're
[47:56] >> telling everyone else that they're
[47:57] because this is a part it is a part of
[47:59] the Ethiopian and Idian Idian Orthodox
[48:03] Bible. So it's a part of them, but for
[48:05] every other denomination and faith, it's
[48:07] treated as Jewish literature rather than
[48:09] scripture. So you're just saying that
[48:10] the other people's faiths are wrong.
[48:11] >> Okay? So think of it this way. You're
[48:13] just saying the other people are wrong.
[48:14] That's not what I'm saying at all.
[48:14] That's not what I'm saying at all. We
[48:15] are all on our own walk to learn and be
[48:18] taught and told what to believe by the
[48:20] Holy Spirit. However, look at it this
[48:22] way. So, we've got modern medicine like
[48:24] Tylenol, right? So, let's say we're
[48:26] using Tylenol to get our um fever down.
[48:29] Well, then we come across some old
[48:30] scrolls that say, "Oh, you can get your
[48:32] fever down with um a cold washcloth."
[48:35] That doesn't make Tylenol irrelevant.
[48:37] Listen, I'm giving an example.
[48:40] I'm giving an example. That doesn't make
[48:42] the Tylenol any less real.
[48:44] >> No, you're an author. You wrote a book.
[48:46] People are reading your book. It's on
[48:48] Amazon. Oh, no.
[48:51] >> Oh, yeah.
[48:52] >> That one doesn't have to talk about
[48:52] anything crazy.
[48:53] >> Oh, it has one review. That must have
[48:54] been you.
[48:55] >> Actually, no. I don't think your own
[48:58] book. I tried.
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[50:34] >> I mean, I can still write a good book
[50:36] and have my own conspiracies.
[50:38] >> This is true.
[50:39] >> Yeah, it's great. It's helped a lot of
[50:41] women actually.
[50:43] >> It has, including myself.
[50:45] >> True.
[50:46] >> Like I know attorneys that are giving it
[50:48] to their um clients.
[50:50] >> Oh, guys, I just I don't know what to
[50:52] do. Listen, like Yeah. Now I listen. Was
[50:55] was that a financial conversation? No.
[50:57] But does it absolutely suggest
[51:01] how the you probably cannot communicate
[51:04] in this house? Absolutely. Once you guys
[51:06] have sent your set your own realities
[51:09] and your own opinions on something, you
[51:11] guys are hardlined. You will never be
[51:12] changed.
[51:12] >> You got to be flexible, bro.
[51:14] >> But you guys aren't is the thing. And if
[51:15] you guys have different opinions on
[51:17] finances in this house,
[51:18] >> you're married, but we ain't the same.
[51:19] Okay.
[51:20] >> Exactly. But you guys are married, but
[51:21] your finances aren't. You guys are and
[51:24] you guys are so hardlined and you will
[51:25] never be flexible on finances.
[51:26] >> I'm flexible.
[51:27] >> What are you talking about? You just
[51:29] when you went like
[51:30] >> you completely disregard everything that
[51:32] I do. You are not flexible.
[51:34] >> I am flexible. You don't have any
[51:35] control.
[51:35] >> Tell me tell me the finances in this
[51:37] house. How you guys go about it. How the
[51:39] conversation
[51:39] >> she has no idea cuz she doesn't want to
[51:40] know how she she wants to know. When I
[51:42] try to give it to her, she says, "Oh,
[51:44] you're the man. You're supposed to
[51:45] handle I can handle the weight of that.
[51:46] You're supposed to lead her. You do it
[51:47] all. But I want you to do it my way."
[51:49] But he spend he spends his money on like
[51:52] stuff that he shouldn't be doing.
[51:54] >> That is a fact. I won't argue with that.
[51:55] But at the same time,
[51:56] >> my bills are all paid on time. Like but
[52:00] his but when he pays my bills, they're
[52:02] late because he'd rather have fun.
[52:04] >> And also, for what it's worth, I do have
[52:06] to say when you talk about how it was
[52:08] taken out, cuz I care about this, the
[52:10] Jewish cannon, the the tan cannon in
[52:13] Hebrew Bible was largely set by the
[52:15] second century or by the first century.
[52:18] They chose what they
[52:19] >> and the first Enoch was written after
[52:22] that by year 300 or 100
[52:25] >> and
[52:26] >> it was written after the Bible was
[52:27] already said. So you can't say it was
[52:28] taken OUT OF THE BIBLE. IT WAS WRITTEN
[52:31] POST BIBLE
[52:32] >> BUT IT was part of it
[52:33] >> written after. So you can't say it was
[52:35] taken out. So technically that means it
[52:37] was added.
[52:38] >> So you're asking for it to be added. And
[52:40] guess what?
[52:40] >> I didn't know that actually. So that's
[52:42] interesting.
[52:42] >> And when the and the Bible spec
[52:44] specifically talks about in there and I
[52:46] can't quote scripture and stuff. I'm not
[52:47] good enough for that. Okay, you're
[52:48] wrong. But it Huh?
[52:50] >> You're wrong.
[52:50] >> Okay, good. And and whatever it says, it
[52:53] says like it warns you of false prophets
[52:55] and all this and other additions
[52:57] and when people try to add things, it
[52:59] warns of that.
[53:01] >> And this is additive.
[53:02] >> But but is it?
[53:03] >> It is cuz Okay, off of that subject,
[53:06] right? Like if he's what he's saying is
[53:07] is factually correct, right? Off of what
[53:09] he's looking at. If that is a fact,
[53:10] >> I think he's correct,
[53:11] >> right? It's like if it was added to it,
[53:12] then he just quoted the fact that you
[53:14] shouldn't believe in things that are
[53:15] added to it and blah blah blah, right? I
[53:17] mean like I think even if the book of
[53:19] Enoch is true say it is right it still
[53:21] adds a lot of confusion and more things
[53:23] you want to you have to decipher through
[53:25] things you have to try to not or to
[53:26] believe is that was a protection from
[53:28] God say listen bro don't don't go down
[53:30] these rabbit holes cuz all you need to
[53:31] know is about me and only me you have to
[53:33] know all the facts
[53:34] >> yeah like all that
[53:35] >> that that's what it that's what it
[53:37] narrows down to
[53:37] >> well it's fun to go through in like
[53:39] these rabbit holes but like truly
[53:40] ultimately it matters but when you base
[53:42] your whole world view off of rabbit
[53:44] holes and you're raising your children
[53:46] based off of rabbit holes. When you
[53:48] raise your children based off of that,
[53:49] that's raising them off.
[53:50] >> Have you told them this?
[53:51] >> Yeah,
[53:52] >> that's concerning.
[53:53] >> But I've also told them the other
[53:54] theories and I've said it's a theory.
[53:55] >> What theories?
[53:56] >> So like the globe
[53:57] >> I'm sorry. Us going to the moon is not a
[53:59] theory. Us flying around the moon. Those
[54:01] not a theory. Mars. No, that's not my
[54:04] opinion. Mars. You can get a telescope
[54:07] and go see Mars.
[54:08] >> You can look at a theory.
[54:10] >> No, you can see it. I've seen
[54:11] >> But that's not a theory when you see it.
[54:12] >> But how do you know we've actually been
[54:14] there? That's the thing though. We
[54:15] haven't been there.
[54:16] >> So Mars rovers are
[54:19] rovers are We have live feed.
[54:21] >> Yeah, that's fake.
[54:23] >> What?
[54:23] >> I' I've never looked at it. I can
[54:25] >> So when the Soviets in America were in
[54:27] this massive space race and the Soviets
[54:30] sent uh even a rover to Venus, you're
[54:32] saying that's fake. They conspired
[54:34] together. The two enemies of the world
[54:37] conspired together.
[54:38] >> Yeah.
[54:39] >> Why?
[54:40] >> Would the Soviets and America conspire
[54:42] together?
[54:43] >> FAR INTO IT. OH, YOU BUT YOU JUST HAVE
[54:45] TO SAY IT'S fake
[54:46] >> because it is. That's my opinion.
[54:48] >> That's just your opin. That makes no
[54:50] sense. It does. Everything she says is
[54:52] her opinion.
[54:53] >> But it's most likely fact. It's most
[54:56] likely fact.
[54:58] >> Her opinion is fact, though. Like,
[55:00] >> you can't argue with her, bro.
[55:02] >> Well,
[55:02] >> when I say you can't argue with women is
[55:05] the definition.
[55:05] >> Who? Chelsea.
[55:07] >> Chelsea is the definition.
[55:09] >> Damn it. So again like the Torah that
[55:12] was widely accepted and authoritative by
[55:15] 400 BC we
[55:18] >> but Enoch was done by 100 BC there's
[55:22] also
[55:23] >> 300 years after
[55:25] >> there are people who don't believe that
[55:26] >> the prophets were mostly fixed in by 200
[55:28] BC again Enoch 100 BC afterwards
[55:32] >> correct
[55:33] >> huh
[55:33] >> if I do that does that make me correct
[55:35] >> no but if you actually read it
[55:36] >> but I have read it
[55:38] >> but you're doing like a two-minute
[55:39] little reading on Google that could be
[55:41] are you on Wikipedia? Wikipedia is not
[55:43] like a good place to get your
[55:45] information from.
[55:46] >> Okay. Where is lady?
[55:47] >> Um well lots of places.
[55:49] >> Okay. Very good.
[55:50] >> But you have to take
[55:51] >> from the book of Enoch itself when it
[55:52] said no this is actually written before
[55:54] >> the book of Enoch is even mentioned in
[55:56] like the Bible
[55:58] >> where
[55:59] >> um Google it.
[56:00] >> You don't trust Google.
[56:01] >> Yeah. Well, Enoch is talked about in the
[56:03] Bible.
[56:03] >> Well, he is. Yes.
[56:05] So,
[56:08] um I do have something that you can look
[56:09] up that's fact that's actually really
[56:10] interesting in the Bible where it says
[56:13] in the beginning if you translate that
[56:14] to old pictograph ancient pictograph and
[56:18] then ancient
[56:18] >> Why do you think your household
[56:19] financial score is 0 to 10? Zero being
[56:21] the worst, 10 being the best. So is the
[56:23] score.
[56:24] >> Well, the the trans person was 2.5 and I
[56:27] feel like we're better than him her.
[56:30] >> So we're Yeah, the the
[56:32] >> I got your Hammer financial score. Get
[56:33] it for free at kaleammer.com. Just take
[56:34] the assessment. It just takes a few
[56:36] minutes and you can see where you stand.
[56:38] So take it for free. Link below
[56:40] caleb.com. And if you don't want to be
[56:41] like guests who end up on the show, make
[56:42] sure you download the NOS budgeting app.
[56:44] It is great. Tens of thousands of
[56:45] monthly active users for a reason. Check
[56:47] out the free trial. And if you like it,
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[56:50] you save almost 50%. And you get my
[56:52] budget friendly. You get this 30-day
[56:55] meal plan.
[56:56] >> Yay.
[56:56] >> And the budget friendly cookbook, the
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[57:05] Okay. So, yeah, I mean you are right.
[57:07] It's mentioned in the standard Bible
[57:09] that most people say
[57:11] >> uh just in terms of like
[57:15] a person not necessarily doing much.
[57:19] >> There's only
[57:20] >> He went for a walk once.
[57:22] >> He was born once. He was the father of
[57:24] someone once. Okay. I mean, yeah, that
[57:27] that's pretty much it.
[57:30] Uh,
[57:32] >> I'm right. You're wrong.
[57:34] >> About what?
[57:35] >> About this.
[57:36] >> Okay.
[57:37] >> Well, you're the one trying to disprove
[57:38] me. I'm just letting you know.
[57:39] >> Not even that. Just bringing up context
[57:40] of like the timing of like the actual
[57:43] timing like time,
[57:45] >> just context of time. And if that
[57:47] doesn't even make you question
[57:48] something, that's that's a little
[57:49] concerning because the people like you
[57:51] are always like, I'm the open-minded
[57:53] person. I'm the one that's willing to
[57:54] consider anything. But the moment you
[57:55] hear something that actually challenges
[57:57] your conspiracy, it just But you need
[58:00] more context, too, because the
[58:02] >> just time. I just care about when it was
[58:03] written.
[58:03] >> Yeah. But you can't know the exact time
[58:05] because they've changed our calendar and
[58:06] our time.
[58:07] >> Oh, see that's how you can never have a
[58:10] conversation cuz no matter what, the
[58:11] world is fake. And if the world is fake,
[58:13] then you can you can never be right.
[58:15] >> No, legit.
[58:16] >> So, like it doesn't work. What time What
[58:18] year are we in now?
[58:19] >> Well, that part I don't know.
[58:20] >> Okay.
[58:21] >> I think it's like 2013.
[58:22] >> Does it even matter?
[58:23] >> Why does it even matter?
[58:24] >> Yes. If you're talking about this
[58:26] >> year is whenever we decided we started
[58:28] tracking
[58:29] the year is different in different
[58:30] count. It's different in China. It's
[58:32] different in North Korea. The year's
[58:33] different. Yes, it is.
[58:34] >> I know. But what you're saying is is
[58:36] it's true but inaccurate because if your
[58:38] timing makes no sense, bro. Because if
[58:41] your time if you're putting a timeline
[58:42] on something and your timeline changed
[58:45] halfway through.
[58:46] >> Okay. So, you don't trust her with money
[58:47] cuz she's
[58:48] >> No. Like, I understand. I get it.
[58:50] Listen, you Well, I wouldn't trust you
[58:52] with money either cuz you're the one
[58:53] late on the mortgage. But even still,
[58:54] it's just like you're not willing to
[58:56] combine cuz you don't trust her. We need
[58:57] to have a 13mon
[59:00] 13-month year with 28 days in each.
[59:02] >> Why? Why does it even matter?
[59:04] >> Because it fs with our time.
[59:06] >> Why does time even matter? That's my
[59:07] question.
[59:08] >> Hey, what?
[59:09] >> Because if you're going to if you're
[59:10] going to make facts, take like claim
[59:12] facts off of a timeline that isn't
[59:14] accurate. Then you can't make that fact
[59:16] claim to be fact.
[59:19] >> Oh my. I don't even know what to do with
[59:21] you. So yeah, you don't trust combining
[59:23] with her. I don't blame you. I don't
[59:25] trust combining that.
[59:26] >> Crazy.
[59:28] >> What is going on in the household
[59:30] finances right now? Guys, please tell
[59:32] me.
[59:33] >> Well, we did have a flood in our house.
[59:37] >> That was
[59:38] >> No, I'm talking about y'all's dynamic.
[59:41] >> For sake,
[59:41] >> I'll tell you what it is. She
[59:43] >> I'll tell you me, right? Me, I believe
[59:45] in have a little fun. Probably only here
[59:46] for so long. I get money every single
[59:48] month. Like, so I believe in living my
[59:49] life a little bit. Do a couple things I
[59:50] want to do.
[59:51] >> But you got kids, aren't they important?
[59:52] >> Kids to have what they need. They don't
[59:53] have to have what they want. They can
[59:55] have what they need, but need is a roof
[59:57] over your head. And if you're getting
[59:58] laid on mortgages,
[59:59] >> we ain't we ain't we ain't about to
[60:00] lose.
[60:00] >> It's only so long that it gets so close
[60:02] until it impacts your credit until it
[60:04] gets uh
[60:05] >> our our credit's impacted.
[60:06] >> My credit has been impacted for years.
[60:08] I'm I mean, honestly, credit is like the
[60:09] least of my worries right now.
[60:10] >> But people lose their houses every day.
[60:11] You're not in a unique position
[60:13] necessarily. You push it to that edge so
[60:15] many times, then they lose something
[60:16] they need. It's not about what they
[60:18] want.
[60:18] >> Yeah.
[60:19] >> But put it close push it closer and
[60:21] closer.
[60:22] >> True. I just I'll tell you this right
[60:23] now, man. I I Okay, I'll say this. I did
[60:26] make a mistake allowing us to go to
[60:27] Tennessee last year and skipping the
[60:28] mortgage one time, right? I'll say that.
[60:30] And right now,
[60:32] >> yeah, that's just what I decided to do
[60:33] cuz we want to go see family. That's
[60:34] what I did. I said, "Well, I said I'll
[60:35] push the mortgage from the first all the
[60:37] way about the I said, "Wait till I get
[60:38] paid again, right?" Cuz we weren't on
[60:39] track, right? We were. And then I I I
[60:41] basically skipped the month of the
[60:43] mortgage, right? So, I can pay at the
[60:44] end of the end of the month. So, the
[60:45] first month I said, "They're already
[60:46] taking it from us. Let me finish
[60:47] talking." Right? And so, um I did that.
[60:50] And when I did that, I just haven't made
[60:52] enough money ever made enough money
[60:53] again to catch up on that. So, I'm just
[60:54] buying because of that, honestly, for
[60:55] the most part.
[60:56] >> Guys, you know, finances are a leading
[60:58] cause for divorce in this country. And
[60:59] she loves getting divorced. So, this is
[61:02] >> I don't love getting I'm going to
[61:05] pretend that I didn't hear that. What
[61:07] did you just say?
[61:08] >> You like interrupt a lot. Every time
[61:09] I've talked, you just want to interrupt
[61:10] me when I'm talking.
[61:11] >> Well, so because part of it was
[61:12] Christmas like we had to get them
[61:14] Christmas stuff, but um I don't like
[61:17] that
[61:18] >> Sucks and that's expensive. Divorce is a
[61:20] >> You have a voice?
[61:21] >> No.
[61:22] >> Yes,
[61:23] >> I don't.
[61:24] >> I have one. I get real loud, too. But it
[61:26] offends her. So, it does. Wait. Well, I
[61:28] love when I hear someone say they don't
[61:29] have a voice and then the other person
[61:31] that controls them says they have a
[61:32] voice.
[61:32] >> Well, cuz he controls everything.
[61:34] >> She thinks she controls me, but I just
[61:35] do whatever the I want to for the
[61:36] most part.
[61:37] >> Oh, so you do have a voice then?
[61:38] >> Yeah, but it's quiet.
[61:39] >> It's not quiet.
[61:41] >> Have you met him?
[61:42] >> It's quiet.
[61:43] >> It's not quiet.
[61:43] >> Guys, you guys are on a 40-year
[61:45] mortgage. Nobody does that.
[61:47] >> Well, that's okay. So, yeah. I know
[61:49] you're right. Nobody does that until
[61:50] you're about to lose the house and then
[61:51] they offer that.
[61:52] >> So, you almost lost the house.
[61:53] >> I almost did. Yeah.
[61:54] >> See how close we are that we've almost
[61:55] lost the house and we have kids. We
[61:57] don't prioritize fun.
[61:59] >> Exactly. You don't do extra activities.
[62:01] You don't You don't I could go on and on
[62:03] about that one. But even for me, too.
[62:04] Like I'll say that for me. I'll start
[62:06] with me for Yeah, bro. Like I was a
[62:07] dumbass. I spent much money on some
[62:09] video games. I spent some money on
[62:10] >> Ask. Well, he can find out. Don't worry.
[62:13] I don't even know. So, like 2500 a
[62:15] month.
[62:16] >> Not a month. Get the out of here.
[62:17] It's not a month.
[62:19] >> I mean, yeah, our spending's in
[62:20] the thousands. It's it's it's insane.
[62:22] Just within a single
[62:23] >> getting your coffees, getting the
[62:24] snacks. That's where a lot of our money
[62:26] goes.
[62:26] >> He has this thing where anytime he goes
[62:28] to get gas, he has to get a little
[62:29] snacky snack.
[62:30] >> If I gave you the damn money to do it,
[62:32] you do it, too.
[62:32] >> No, cuz I don't like getting out of the
[62:34] car.
[62:34] >> Oh,
[62:35] >> So, and I usually Yeah, I know.
[62:36] >> That's where the juice.
[62:37] >> I don't like
[62:40] >> You're lying at your ass right now. Tell
[62:41] the truth.
[62:42] >> I am.
[62:43] >> You're not. I don't like candy because
[62:46] it has food dye in it.
[62:47] >> So you don't you don't spend money on
[62:48] at all ever.
[62:50] >> I love the taste of red dye.
[62:52] >> Well, it's gonna give you cancer. So
[62:54] >> I'm ready for it. At least I went down
[62:55] having fun.
[62:56] >> Well, I mean tomato tomato. That's what
[62:58] I'm saying.
[63:02] >> That makes no sense, bro.
[63:06] >> No, dude. Like
[63:07] >> um
[63:08] >> here's this is honestly like partially
[63:11] >> my real point of view I've had for the
[63:12] past couple years. I'm stubborn kind of
[63:14] But it's one of them deals
[63:15] where it's like,
[63:16] >> you know, if I and I know you're going
[63:18] to disagree with this, right? Probably.
[63:20] But my view is if it's not getting taken
[63:22] away and I can get it caught up later
[63:24] on, I didn't worry about missing it for
[63:27] a month, right? Cuz the time
[63:28] >> your loan though for the consequence.
[63:30] >> Say that again.
[63:31] >> The consequence is you're on a 40-year
[63:33] loan now.
[63:33] >> That Yeah, that was a big mistake.
[63:34] >> At a 6.25% interest.
[63:36] >> I haven't let that happen since though.
[63:37] I'm not going to.
[63:38] >> Oh, you didn't get on a new 40-year loan
[63:39] since
[63:40] >> No, no, no, no,
[63:41] is I'm not going to get behind damn near
[63:43] 30 grand on my mortgage before they
[63:44] tried to take it. That's what
[63:45] >> How far behind were you?
[63:47] >> We were couple months a couple months.
[63:49] Well, I think it was only like what? So,
[63:50] it's 4,000 damn near 4,000 a month
[63:52] before 2 months plus fees.
[63:54] >> 2 and a half plus fees. Yeah. Something
[63:56] like that.
[63:56] >> Hey, your regular monthly is $3,790.
[63:59] >> Yeah. But I want to throw this out
[64:01] there. I want to throw this out there.
[64:02] that's about to go down to that's going
[64:04] to decrease $1,000 because so when I
[64:07] signed for the house, right, I don't I
[64:09] don't I'm not supposed to pay property
[64:10] taxes, right? They never told me I
[64:13] wasn't aware that you have to go and
[64:15] apply for the exemption. I thought it
[64:16] was just added into your mortgage. I had
[64:18] no one ever told me
[64:19] >> don't you owe the HOA like 6,000 bucks.
[64:21] >> Well, that is very true. Yes.
[64:22] >> And you know, they can
[64:24] >> People have lost their houses for not
[64:26] paying
[64:26] >> and I wasn't aware of that either. Like
[64:27] honestly, so first two years
[64:29] >> that we lived there, this is all on me
[64:31] because she didn't really give a
[64:32] And honestly,
[64:33] >> I did give a
[64:34] >> If you're at home all day, why can't you
[64:36] deal with some She don't want to.
[64:38] Don't
[64:39] >> No, I
[64:40] >> don't
[64:40] >> I he told me he was paying it monthly
[64:42] cuz it would only be like $170 monthly.
[64:44] And then I couldn't get into the pool
[64:46] and or no, the gym there. We have a gym
[64:48] and I couldn't get in and I went and
[64:49] talked to them. They're like, "Oh, you
[64:50] guys are behind." And I was like, the
[64:52] >> I was unaware because you had to pay the
[64:55] separately when I was signing up
[64:56] for the house. I've never bought a house
[64:58] before. I was into all this I just
[64:59] didn't think to think to look into it. I
[65:02] I don't know. I just didn't think about
[65:02] it, right? And so I thought HOAs, all
[65:05] that was tied into it, right?
[65:07] Obviously, it wasn't. So then about a
[65:08] year and a half later, almost two, you
[65:11] know, hey, bro, like you're behind like
[65:13] five grand. Need our money, right? And I
[65:14] was like, what the I thought you been
[65:16] taking out the whole time. No, it's just
[65:17] >> your car's not even registered. You owe
[65:19] $1,600 there. I just don't think you
[65:21] guys do anything.
[65:22] >> Well, on that one, so listen, there's no
[65:24] story on that, right? I always have a
[65:25] story. I know. But so when I bought my
[65:27] first car, right, it was in Texas,
[65:29] right? Tax, titles, fees, laws, all that
[65:31] was included in the deal, right? That's
[65:32] how they do it in Texas, right? Um
[65:34] >> or Oklahoma.
[65:35] >> Oklahoma's different and so was
[65:36] Arkansas. And so when I had to buy this
[65:39] car, the car I was driving at the at one
[65:41] point was paid off, but I'd wrecked it,
[65:42] missing a whole half the car was
[65:44] gone, whatever, right? Um had to go get
[65:47] this car. was the only thing they had on
[65:48] the lot for me supposedly. And so when I
[65:50] bought it, I had never had to pay TTNL,
[65:54] right? And they didn't tell me to do
[65:56] this when I left. So I just didn't think
[65:57] about it. I had no idea. Uh and then
[66:00] when it comes to the tag on the uh the
[66:02] car, right, they told me, "Yeah, just
[66:03] transfer your
[66:04] >> Just pay it. Just pay it. You guys make
[66:06] money. Just pay it."
[66:07] >> We can't because he's spending it on
[66:08] eating out and baseball.
[66:10] >> Yes. You spend $1,000 more than $1,000.
[66:12] >> We know. That's the thing.
[66:13] >> Okay. But we do now. We do now though.
[66:15] We know the HOA. We know the car thing.
[66:17] You guys spent thousands on
[66:18] last month.
[66:19] >> Yes.
[66:20] >> Thousands. So just pay it, guys. Come
[66:22] on.
[66:22] >> What's the best?
[66:23] >> That's the plan now.
[66:24] >> Capital One. Who has this?
[66:26] >> She's got all the debt.
[66:27] >> Okay. Really?
[66:29] >> Straight.
[66:29] >> Wait, but you don't even make money. Why
[66:31] are you the one going into debt?
[66:32] >> This is like before.
[66:34] >> No, it's now. You spent on this now.
[66:37] Last month you spent on this. And
[66:39] listen, you pay it relatively down, but
[66:40] not enough to make it not acrewing
[66:42] interest. And also, it was Hey, she had
[66:45] a pass due fee. So, I thought you were
[66:47] getting on his ass for not paying
[66:48] on time, but you were
[66:49] >> pass
[66:50] I was paying it and then I stopped um
[66:53] getting money. So,
[66:55] >> from what?
[66:56] >> So, I was using So, I was using that and
[66:59] like
[66:59] >> No, from child support.
[67:02] >> Why'd you stop getting child support?
[67:03] >> Because he decided to stop paying it
[67:05] because he's trying to make it to where
[67:06] I can't pay for my
[67:07] >> attorney. Deal with that.
[67:09] >> So, but what I'm saying is like I was
[67:10] pay trying to get my credit back up so I
[67:12] can lower my car payment and
[67:13] >> credit back up. So you're spending it on
[67:15] Chick-fil-A Chick-fil-A McDonald's
[67:17] and This is It's all
[67:19] You and interest is acrewing
[67:22] like you're not even just paying it off.
[67:24] >> But I was because you're supposed to pay
[67:25] it down to like 30%.
[67:26] >> NO, NO,
[67:28] NO. IT'S YOU don't keep it above 30%. Or
[67:31] else if you dude, my credit's better
[67:33] than your credit's ever been. And I've
[67:35] never had interest acrew once on a
[67:36] credit card.
[67:36] >> But it's only like $30.
[67:37] >> Doesn't matter. Doesn't matter. I've
[67:39] never had interest acrew once on a
[67:40] credit card.
[67:40] >> $30. So you spend like cuz it's like
[67:44] $600.
[67:45] >> Yeah.
[67:46] >> Yes.
[67:46] >> No. Well, between two.
[67:48] >> Yeah. No, between this card.
[67:50] >> Well, then this card you spent $534.89.
[67:53] >> That's not recent.
[67:54] >> Oh, yes it is.
[67:56] >> That's not because I only had a
[67:57] >> month ago. One month ago. This was last
[67:59] month. A credit card a month ago. No.
[68:01] >> No. I It was a It was only
[68:04] >> Yes, it's $300. But since you put a
[68:06] little extra towards it, you were able
[68:07] to spend more.
[68:08] >> I didn't put What? Yes, you put 460
[68:11] towards it. MAYBE IT IS. I ASKED YOU WHO
[68:13] IT IS. YOU SAID it's yours.
[68:14] >> Listen, dog. I I Hey, It is a
[68:17] $300 limit.
[68:18] >> I ain't using credit card.
[68:19] >> It is. But since you put to It is yours.
[68:21] I'm being confirmed that it is yours.
[68:23] >> Okay. How are you being confirmed?
[68:24] >> Lindsay's telling me.
[68:25] >> Oh, how? Cuz she's Oh,
[68:28] >> I have an iPad.
[68:30] >> Technology. It's not all a conspiracy.
[68:32] >> I haven't used a credit card in a long
[68:33] time.
[68:33] >> You see,
[68:36] >> and what is it for? Chick-fil-A.
[68:38] Chick-fil-A. McDonald's. Dude, if you're
[68:40] conspiracyrained and you won't have red
[68:41] dye, you'll put McDonald's in your body.
[68:44] >> I think that makes sense. I've gotten a
[68:46] lot I've gotten a lot better because I
[68:48] need cheaper food. So,
[68:49] >> McDonald's isn't cheaper food.
[68:51] >> It is though, actually.
[68:52] >> Compared to like all the fast food these
[68:54] days,
[68:55] >> it's cheap,
[68:56] >> dude. Taco Bell's cheaper. That's pretty
[68:58] much it.
[68:58] >> IT'S NOT THOUGH.
[69:00] >> YOU DON'T know cuz we spent 40 bucks
[69:02] last night for two people.
[69:04] >> Yeah, we spent $40.
[69:06] >> That's what that cost.
[69:09] expensive as hell to eat out.
[69:10] >> Same pass through. You're You guys are a
[69:12] nuisance.
[69:13] >> I know. Well, and I get it from my mom.
[69:15] She doesn't like to cook.
[69:16] >> Shut the up. Be your own adult.
[69:18] >> I don't LIKE TO COOK.
[69:19] >> VISA. WHO SAYS THIS?
[69:21] >> I don't know if that's mine or I don't
[69:23] know. How much is it?
[69:25] >> Um uh the limit's 300, but the balance
[69:30] is 537
[69:32] cents. What the are we doing? Why?
[69:34] >> I don't know if it's mine or not. I
[69:35] can't tell you.
[69:36] >> Sick. How do we not even know who's is
[69:38] whose guys?
[69:39] >> Cuz I wasn't aware of how many credit
[69:40] cards she had till yesterday or passed
[69:42] due. I didn't know this at
[69:44] all.
[69:44] >> How have you guys not had one
[69:46] conversation?
[69:46] >> Because supposedly she doesn't have any
[69:48] money. Has no credit cards and no money.
[69:49] Tells me all the time she says that you
[69:50] lie.
[69:50] >> I don't have any. I didn't lie.
[69:52] >> That's against your faith.
[69:53] >> First off, I did not lie.
[69:55] >> You ain't told me about no credit
[69:56] cards that you
[69:57] >> Secondly, no. I've told you.
[69:58] >> Or you'll get them in. You'll hide them
[70:00] from me and not tell me about it.
[70:01] >> So I don't ask to use it. That's exactly
[70:03] what the happens.
[70:04] >> No.
[70:05] >> Yes. Your minimum is 27807. That's not
[70:07] your normal minimum, but that's what's
[70:08] due because you're over the limit. It's
[70:10] probably like $30 normally.
[70:11] >> Well, and they shut it off.
[70:14] >> Well, they should. Thank goodness.
[70:15] >> None of mine are shut off. So, that
[70:17] thing's canceled. They
[70:18] >> I'm not seeing it as closed. If you you
[70:20] don't even know what card this is. You
[70:21] couldn't even decide whose it is.
[70:22] >> Well, that's his.
[70:24] >> How do you know?
[70:25] >> Well, you just said this.
[70:26] >> No, he just said it was his.
[70:27] >> I don't know if I have a Visa.
[70:29] >> I'm pretty sure I don't. I'm almost
[70:31] positive I don't.
[70:32] >> You Okay, it's yours. I'm being told it
[70:34] is yours. Okay, cool. All right. I mean,
[70:36] I heard the 500 mark
[70:37] >> monthly service fee, late payment fee,
[70:39] interest being charged, and your account
[70:41] is currently closed.
[70:42] >> That one. Okay.
[70:45] >> That's what happens when we just don't
[70:46] touch We don't pay attention,
[70:47] guys. This is a disaster. Indigo.
[70:51] >> That's mine.
[70:51] >> Oh, thank we. We know. We're
[70:56] >> Yeah.
[70:57] >> Okay. Well, you owe uh on a $500 credit
[71:01] limit $96,520.
[71:03] Why do military people just suck at
[71:05] credit cards?
[71:05] >> I don't know, man.
[71:07] >> Especially when you're getting like
[71:08] unlimited money for the rest of your
[71:09] life. Why? Why make this like No,
[71:14] listen. Well, that is a fact. Kind of.
[71:16] Sort of. Kind of, right? But I will say
[71:18] this. There was a point in time I
[71:19] applied for a bunch of credit cards all
[71:20] around the same time, right? And I was
[71:22] out of a job. So, we used a lot of this
[71:24] stuff just to kind of buy what we needed
[71:25] and also what we wanted around that
[71:27] time. Well, I don't think that was
[71:28] around Christmas. I think that was a
[71:30] different time.
[71:30] >> No, this is the balance as of last
[71:32] month, guys. That's what I'm saying. I
[71:33] haven't used that card or
[71:35] >> you can't. You're double the limit.
[71:36] >> I haven't paid anything on it in
[71:38] probably a hot minute. So
[71:40] >> yeah, it's a $88 minimum. I mean, you
[71:42] still before it go to collections, you
[71:44] may as well do this.
[71:45] >> But doesn't it fall off when it goes to
[71:46] collections?
[71:46] >> I mean, you were blaming to Lindsay
[71:48] having a 200 having a job making
[71:49] $200,000 a year is why you have bad
[71:51] money. Like what the
[71:52] >> Well, you said what?
[71:53] >> Huh?
[71:53] >> You were blaming having a job making
[71:56] $200,000 on why you're bad with money.
[72:00] >> I'm being told.
[72:01] >> Well, okay. In a sense, yes. Cuz when I
[72:03] did have those cards, that's when I was
[72:04] working at Lifetime and at when I was so
[72:06] I was using the money or I was using the
[72:07] cards, right? And I when I switched jobs
[72:09] from Lifetime,
[72:10] >> why would you do that? Go make more
[72:11] money
[72:12] >> because well, I haven't I I don't really
[72:14] want to go back there. I don't think I
[72:16] think the clientele has kind of died
[72:17] down, right? But anyway,
[72:19] >> I moved on a different job. They had a
[72:20] guaranteed salary of like 80 grand,
[72:21] right? At the time, I was making more
[72:23] than that, but I was okay. That sounds
[72:24] like a guaranteed money. I was I'm doing
[72:26] the same thing anyway, except for my
[72:27] manager, blah blah blah. And then that
[72:29] job literally went out of business, bro.
[72:30] Like a month after I joined them. They
[72:32] just they just shut down shop, left,
[72:34] whatever. Then I was out of a job again.
[72:35] >> Go back to Lifetime.
[72:37] >> Uh they wouldn't they So when you when
[72:38] you leave Lifetime, No. When you leave
[72:40] Lifetime, you can't go back for 60 days.
[72:42] Not a job or even attend the gym for
[72:44] like two months. So
[72:46] >> that's why they didn't go back. That's
[72:47] like their little policy or whatever.
[72:48] But
[72:49] >> Okay. Well, you're getting fees, fees,
[72:50] fees. Late late. Just be an adult and
[72:53] pay it, dude. Like I don't know what to
[72:54] tell you. Just being a adult.
[72:55] >> Well, that's why we're here.
[72:56] >> Oh, that's why you're here. You could
[72:57] pay the card. You guys make good money.
[72:59] >> Yeah, I just choose not to. Low key.
[73:00] >> Exactly. And in high key, we need to
[73:03] >> Milestone. What's going on? Who's is
[73:05] this?
[73:05] >> That's mine.
[73:07] >> I got a couple that are pretty high.
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[75:04] >> Yeah, but these are still all in decent
[75:06] standing. They can't they're not being
[75:08] charged.
[75:08] >> It's double the limit again. Over double
[75:10] the limit. Got to pay them. or not.
[75:12] >> $64763
[75:14] $85 minimum payment. Again, it's over
[75:16] with fees and It's so stupid
[75:18] cuz these are balances that you could
[75:19] pay off like this with your income, but
[75:20] you just spend all your money on
[75:22] >> Yeah.
[75:22] >> So, it doesn't matter. Credit Capital
[75:25] One Capital One Platinum.
[75:26] >> That could be more me or her. I think
[75:27] that's mine though.
[75:28] >> Well, it's app maxed out and money is
[75:30] being spent. Do you spend on a credit
[75:31] card? Cuz if you do, $5166
[75:34] was spent on this.
[75:35] >> I don't spend money on any.
[75:36] >> So, it has to be you.
[75:37] >> I haven't spent money on a credit card.
[75:39] >> Oh my. Come on. I just Unless you see it
[75:41] on that first card we looked at.
[75:42] >> Well, unless it's something that's a
[75:43] recurring payment that's trying to come
[75:45] out, then I haven't like all the
[75:46] Chick-fil-A McDonald's that I saw was
[75:48] being spent on that first credit card
[75:49] was not you.
[75:50] >> Not recently. No.
[75:51] >> What? But that was last month, April.
[75:53] >> Well,
[75:53] >> you be telling me you ain't no damn
[75:55] money or anything.
[75:56] >> Spent anything in April.
[75:57] >> You can't even agree who's going to
[75:58] Chick-fil-A and McDonald's.
[75:59] tell me.
[76:00] >> Well, no, because I don't Chick-fil-A
[76:02] and McDonald's
[76:03] >> every once in a while. Yes. I don't go
[76:05] to McDonald's. that. I don't go to
[76:06] McDonald's. that.
[76:07] >> Oh, it is you then.
[76:09] SO YOU DO SPEND on a credit card and
[76:10] that was last month. You can't tell me
[76:12] you're not.
[76:12] >> He's literally seen them. Like I don't
[76:14] even have them in my wallet. REMEMBER
[76:15] LIKE
[76:16] >> BROTHER, IT WAS THE FIRST STATEMENT. You
[76:18] can see it yourself. You actually
[76:21] >> see it though because I don't
[76:23] >> Here you go.
[76:27] >> I don't know what to tell you.
[76:28] >> See, it says returned cuz like nothing.
[76:31] >> No, your payment was returned. You
[76:32] pathetic worm.
[76:34] >> Not Not this right here.
[76:35] >> My payment was returned. Yes, because
[76:38] you didn't have enough money in your
[76:39] checking account when the payment was
[76:40] made.
[76:40] >> April April 2nd.
[76:42] >> Oh that was returned. That's not
[76:44] good.
[76:45] >> That's why you had a link fee.
[76:47] >> That's not good. Cuz that was to
[76:48] something that I'm going to have to call
[76:50] her. When was that called her? Good
[76:52] luck. Who's her, dude?
[76:53] >> What do you mean? Was it something? See,
[76:54] this is I don't know about.
[76:55] >> $298.35
[76:57] with a $25 minimum payment on this card.
[76:59] >> I gave you the money for
[77:00] >> And guess what? Hey, we don't spend on A
[77:02] CREDIT CARD. WELL, YOU HAVE THE DOOR
[77:04] DASH AND PANDA EXPRESS. That was me for
[77:07] sure.
[77:07] >> Okay, so you spent on this and yes, you
[77:09] have the reoccurring Netflix, but you
[77:11] also Door Dashed old.
[77:13] >> Nah, I don't know. Dash Pash and Apple
[77:15] Bill $30.79.
[77:17] Who knows? And then Amazon, Amazon,
[77:19] Amazon Amazon Amazon Amazon Amazon
[77:21] Amazon, Apple. Apple bill.
[77:23] >> That's hor.
[77:23] >> So you have it. You autod do it. Show me
[77:26] your Amazon.
[77:27] >> That's yours.
[77:28] >> Open that phone.
[77:30] >> So Amazon COULD
[77:31] >> AMAZON. YEAH, it's you spending stuff.
[77:34] >> I don't give a You were doing it.
[77:35] Shut the up. School stuff in the
[77:37] middle of Gary fall the the spring
[77:40] semester.
[77:42] >> Yeah, we spend
[77:43] >> Are you planning for fall?
[77:44] >> Home school
[77:45] >> And that that is an intense Apple bill
[77:48] of $30.
[77:49] >> Probably multiple accounts that she has
[77:51] that she doesn't track anymore, so they
[77:52] charge the damn things.
[77:53] >> So you can Yeah.
[77:55] >> Which means she's restarted accounts
[77:57] over and over and over.
[77:58] >> Trust me, I'm going to be looking
[77:58] through both y'all's phones here in a
[78:00] bit.
[78:01] >> That's hers.
[78:02] >> That's mine. So like my daughter needed
[78:05] shoes. I got her shoes.
[78:06] >> I don't spend on credit cards. Amazon.
[78:09] Amazon. Amazon. Amazon. Amazon. Amazon.
[78:11] >> But look, it's all kids stuff.
[78:13] >> Give. You're still spending it as money
[78:15] going out.
[78:16] >> Yeah.
[78:16] >> That doesn't Just because it's kids.
[78:18] Hey, just because things are kids
[78:20] doesn't mean it's all good.
[78:22] >> Why are we screaming for anything for
[78:23] the kid is absolutely
[78:24] >> for the audience?
[78:26] >> Ow. Dog quit.
[78:27] >> Okay. First of all, this isn't for kids.
[78:29] Uh, detox Z.
[78:30] >> Yeah. Well, those shouldn't. Those are I
[78:32] usually cancel those.
[78:34] >> Okay. No, they're arriving. They're not.
[78:35] I need to cancel that because I didn't
[78:37] dress that. No, it's right now. And
[78:40] you're not even wearing it.
[78:41] >> I know because I did that
[78:43] >> for the show.
[78:44] >> Site words, a calendar.
[78:46] >> When I got paid,
[78:48] focus test prep. Okay, that one's
[78:50] actually fair. A notebook. Yeah.
[78:52] Swimsuit.
[78:53] >> You got leosi sexy tie criss cross
[78:56] plunge. And then another bathing suit
[78:59] for yourself. So no, this is all not
[79:00] necessities. This this inflatable thing
[79:02] is not a necessity.
[79:05] So like
[79:07] all the isn't like do you need all
[79:09] this? No. Is it nice? Yes.
[79:11] >> See school stuff.
[79:12] >> Not all of it though. You pathetic.
[79:14] >> Yes. I've got four kids.
[79:16] >> No, it's not all this.
[79:18] >> Only two of them really
[79:18] >> childproof. That's fine.
[79:21] >> 21 things in your cart.
[79:22] >> Oh, well that's just like stuff I don't
[79:25] she might want. Yeah. Like uh
[79:28] around your
[79:29] >> Those are rings.
[79:30] >> Uh-huh. Rings.
[79:31] >> And my daughter's birthday's coming up,
[79:32] so like she wants that stuff.
[79:34] >> We need rings. I wanted to add a stack.
[79:37] >> A complete Ethiopian Bible
[79:39] >> for kids.
[79:40] >> Oh,
[79:46] I mean, yeah, you spend so much money.
[79:48] >> I know. But he But but
[79:50] >> but what
[79:52] >> why do you what are you doing at home?
[79:54] How much is added up from Amazon?
[79:56] >> Schooling your kids all day.
[79:58] >> Yeah.
[79:58] >> Okay.
[79:59] >> And then I go to work.
[80:00] >> Do you have to do any of the house
[80:01] chores?
[80:02] >> No.
[80:03] >> That's good.
[80:03] >> When I'm home, yes, I do. No, he does
[80:04] not.
[80:05] >> Oh, what? What does she make you do?
[80:07] >> What does she make you do?
[80:08] >> I pick up Well, let me rephrase. I'm
[80:10] getting trouble. I pick up our mess. I
[80:12] do the dishes. You don't touch the
[80:13] trash. I take the damn
[80:15] trash out to the curb everywhere else.
[80:17] Right. But I touch the dishes though,
[80:19] right? That's a woman's job, right?
[80:20] Supposedly.
[80:21] >> Sometimes you do.
[80:22] >> Sometimes whatever you guys decide. It
[80:24] stacks up for a week straight. Yeah.
[80:25] Then I
[80:26] >> It doesn't stack up for a week.
[80:27] >> I help you. Don't Don't play
[80:28] >> sometimes.
[80:29] >> Don't play.
[80:30] >> Then why are you on your phone for eight
[80:31] hours a day on average?
[80:32] >> Cuz this their school
[80:34] >> school actually is on fire.
[80:35] >> Well, good news. It will in fact tell me
[80:37] exactly what you're doing.
[80:38] >> Yeah. Go look at Facebook real quick.
[80:40] Actually, no. Go to Tik Tok.
[80:42] >> Look on that
[80:45] >> Yeah. So, last week it was uh 17 hours
[80:48] on HBO.
[80:49] >> Oh, well, I do watch TV.
[80:51] >> You watch the same show. watch the same
[80:53] hours.
[80:54] >> Yeah, I go to bed and I fall asleep
[80:55] >> on Facebook 12 hours. Texting on Who are
[80:58] you texting on message for 10 hours a
[81:01] week?
[81:02] >> Yeah. And my mom.
[81:04] >> Okay, we'll go through those in the post
[81:06] show.
[81:07] >> Apple Maps for 8 hours. Okay. But that's
[81:10] probably the thing. But Instagram for 6
[81:12] hours, GPT 3 hours, YouTube 5 hours.
[81:15] >> Mhm.
[81:15] >> Uh I didn't see any school things.
[81:18] >> Well, like YouTube. So why is he doing
[81:20] chores if you're working on if you just
[81:22] are on HBO?
[81:24] >> I I'm well he's not home kind of right
[81:26] now.
[81:27] >> I'm home a week on a week off right now
[81:30] >> and before it was only on the weekend.
[81:33] >> Yes, I am I am away quite a bit right
[81:34] now. But
[81:35] >> we will be going through things later
[81:39] deeper in the post show.
[81:40] >> Man, I tell you what though. You don't
[81:41] piss me off though. You don't tell me
[81:42] I'm wasting money and Oh, now
[81:44] there's more McDonald's uh HTTO in
[81:47] Amazon.
[81:48] >> You eat out too much. But here we are
[81:50] with McDonald's and all kinds of
[81:51] >> Uhhuh. and fees and interest and
[81:52] >> but I'm the though.
[81:54] >> What am I looking at with this credit
[81:55] karma? This is insane. This is
[81:56] ownership.
[81:58] >> Let me see that real quick.
[81:59] >> Okay, so you have one main but that was
[82:00] closed cuz you probably didn't do
[82:01] anything right?
[82:02] >> Yeah, actually I pulled it out. I never
[82:03] paid him a dime. So
[82:05] >> Huh.
[82:06] >> pulled it out and I never paid him a
[82:08] dime. So
[82:09] >> Okay. Does that not feel morally wrong
[82:12] for you? especially as a Christian.
[82:14] >> At the time it was needed. It was like a
[82:16] must.
[82:16] >> They can still pay for it
[82:20] >> line,
[82:22] >> but I choose to do things. See, I have a
[82:24] bit of an impulse control problem. I
[82:26] would say honestly, that's my biggest
[82:28] issue.
[82:28] >> I love coping mechanisms then.
[82:31] >> Well, I mean, if you want to dig in now,
[82:32] this I'm not saying it's an excuse by
[82:34] any means, right? But for a while, I've
[82:36] got what's called what do I have? Um,
[82:38] I've had BPD, right? And so for a long
[82:40] time I didn't realize this and now I'm
[82:41] taking medication for it. It's helped a
[82:43] lot.
[82:43] >> That's good. So
[82:44] >> happy to hear that.
[82:45] >> Yeah.
[82:45] >> Uh Nebraska furnace I think. And uh pay
[82:50] >> per pay 967.
[82:52] >> I bought a trampoline with that one.
[82:53] >> And then you never paid for it. That's
[82:55] great. And then furnace.
[82:57] >> Never did, bro. I never paid for,346.
[83:00] >> I don't need credit right now. I don't
[83:01] give a for credit.
[83:02] >> Yeah, but it is still you received the
[83:04] product and didn't pay for it.
[83:05] >> That could be moralistically wrong. But
[83:07] guess what? You got so much stuff. Okay,
[83:08] here's my view on that too, bro. I've
[83:10] been business owner before. Every
[83:11] company makes so much damn money.
[83:13] >> You've been what?
[83:13] >> A business owner before. Sorry, I know
[83:15] it's not a damn but goofy. What do you
[83:17] want to call me? Whatever. Right. But
[83:19] I've owned a business before. I know
[83:20] what profit margins are and I do
[83:21] it even right now, bro. They're they're
[83:22] most people's profit margins are
[83:24] astronomical.
[83:25] >> No, it depends on a grocery store is 1%.
[83:28] >> But it depends what you're doing. I
[83:30] mean, ours our roofing is over. Grocery
[83:32] >> stores closed all the time.
[83:34] What do
[83:34] >> you mean? Like even Walmart's closed.
[83:37] No, no, no. I'm saying like
[83:39] >> the amount of people that come in there,
[83:41] they they can take that little bit of a
[83:42] hit because they're they're producing so
[83:44] much. They're that has nothing to do
[83:46] with
[83:46] >> So steal. You're okay with it?
[83:48] >> No.
[83:49] >> The Christian man.
[83:51] >> I'm not going to say what I did was
[83:52] right by any means. No, I'm not going to
[83:54] say that.
[83:54] >> Okay. Why don't you pay for it today?
[83:57] >> You got the money today. That's for damn
[83:58] sure. But
[83:59] >> yes, you do.
[84:00] >> I don't.
[84:00] >> Yes. You guys bring in $1,36.
[84:03] >> Bring in more than that.
[84:04] >> Huh?
[84:04] >> How do we bring in more usually than
[84:05] that? Usually you bring $1,000 a month.
[84:09] My sales can differ. Plus, he paid child
[84:10] support last month, so that should be
[84:12] coming in. Okay, he's going
[84:14] >> adding a thousand for her and then
[84:15] hopefully
[84:16] >> money should be coming in. That money
[84:17] should be coming.
[84:18] >> It should be and I hope you guys deal
[84:19] with it, but uh sorry, it was a Nebraska
[84:21] furniture mark and then you didn't pay
[84:23] for it when we first bought that.
[84:24] >> Uh a firm 2346, but it needs attention.
[84:28] >> I can't remember what I use that for to
[84:29] be honest with you.
[84:30] >> Yeah, it's been charged off. It's
[84:31] already in collection.
[84:32] >> No, no idea. Well, how come like it says
[84:35] charged off when I go to collections?
[84:37] Like those aren't in the collections.
[84:39] >> Oh, maybe this one hasn't been yet. But
[84:41] oh, an additional affirm also charged
[84:43] off 2011.
[84:45] >> Yeah, that was for uh
[84:46] >> same with credit one.
[84:48] >> Like 1,478.
[84:51] >> But a lot of these
[84:52] >> never lend to this man ever again. Hey,
[84:54] when you're ready to get back into the
[84:56] since you spent all your time on the
[84:57] phone and you want to actually provide
[84:58] to society and get a job, I'll get you a
[85:01] course career certification so you can
[85:03] get back out there.
[85:04] >> Oh, discover card. This one's actually
[85:06] Nope. This is charged off.
[85:07] >> She's about to go to school soon anyway.
[85:09] >> I am
[85:09] >> for
[85:10] >> um to be a parallegal.
[85:14] >> Who's going to take you seriously?
[85:16] >> A lot of people take me seriously.
[85:18] >> Incorrect. first
[85:21] first credit 7 or 2,100 and it's just I
[85:25] just keep going through it. You're just
[85:26] accumulating tens of thousands of
[85:28] dollars of
[85:29] >> they're not in collections yet. They're
[85:30] just
[85:31] off.
[85:32] >> I don't know.
[85:33] >> Oh, student loans. Who has all the
[85:34] student loans?
[85:35] >> That would be me.
[85:36] >> Okay. Well, then yeah, that was your
[85:37] collection.
[85:38] >> Mine are all paid off. So,
[85:39] >> well, see, there was a miscommunication.
[85:42] I thought my grandma was going to be
[85:43] paying for my like my schooling.
[85:46] >> Well, she isn't. So, what the do
[85:47] you want?
[85:48] >> Yeah. So, and then it got put on hold.
[85:51] >> Deferred.
[85:52] >> Yeah.
[85:52] >> Okay. So, student
[85:56] Well, you also your grandma money I see
[85:57] is coming up soon, so we'll figure that
[85:59] out.
[85:59] >> Well, she'll get it when she gets it.
[86:01] >> Okay.
[86:02] >> That's not true.
[86:03] >> Well, kind of. 9,854
[86:06] for student loans. Are you making
[86:08] minimums?
[86:08] >> No, cuz they had stopped the payment.
[86:10] They just started up again.
[86:11] >> Good. How much?
[86:12] >> I don't know,
[86:14] >> brother. Why,
[86:15] >> sister? because I didn't I haven't
[86:17] called yet.
[86:17] >> I'm going to assume it's like a hundred.
[86:19] >> Okay.
[86:20] >> What the is wrong with you? Pay
[86:21] your
[86:22] >> Yeah.
[86:23] >> What is wrong with you people? Aren't
[86:24] you supposed to be the morally
[86:25] responsible ones?
[86:26] >> Well, see that's the thing is we we are
[86:29] sinners by nature and we're trying which
[86:31] is why we're here.
[86:32] >> You're what?
[86:32] >> We're sinners by nature.
[86:34] >> Well, do better then.
[86:35] >> I'm trying. That's why I'm here.
[86:37] >> You're taking loads left and
[86:38] right and not paying
[86:41] >> You're crazy. I mean, if you look at the
[86:43] dates getting divorced, you're not a
[86:45] >> Wait, did he say loans or loads?
[86:47] >> Loads.
[86:48] >> Loans. Loads.
[86:49] >> You said loads.
[86:50] >> I did say loads.
[86:51] >> Oh, loads. He says loads of loans or
[86:53] something.
[86:54] >> No, loads. She's getting breeded.
[86:56] >> Oh.
[86:57] >> By like 50 different men constantly.
[86:59] >> No, I haven't done that in a long time.
[87:02] >> Yeah, a couple years.
[87:04] >> Lots and lots and lots and lots of
[87:06] years.
[87:09] >> I'm just adding up your collections at
[87:10] this point, guys. This is insane. as far
[87:12] as that's paid off.
[87:15] >> Okay. Well, minus uh
[87:17] >> that 1,800, right?
[87:18] >> No.
[87:19] >> Which one is that?
[87:20] >> 415. You don't even know what I'm
[87:21] looking at.
[87:21] >> Oh, 415. Well, the other one says
[87:22] closed. My bad. That's the only thing on
[87:24] my account that shows collections right
[87:26] there. That's it. And everything else is
[87:27] either
[87:28] >> It's closed, which means you got to
[87:29] start making I don't know what
[87:30] your minimums are.
[87:31] >> The been closed for a long
[87:32] time. They ain't they ain't said nothing
[87:34] to me.
[87:34] >> Oh, potentially negative. Dude, your
[87:36] minimum I don't even
[87:38] Maybe an additional There's more. It's
[87:40] like 3,2697.
[87:43] But like I don't even know what your
[87:44] minimum normally is monthly. It's like
[87:46] an additional $2,000 so far. Like this
[87:50] is crazy.
[87:52] >> But you didn't send us
[87:54] Let me ask you something real quick. On
[87:55] a lot of these collections of sheets
[87:56] supposedly quote unquote collection,
[87:57] >> these are never mind. These aren't
[87:58] collections. A lot of them have the
[87:59] minimums. They've stacked up to about
[88:01] 2,000.
[88:01] >> But they're charged off, right? A lot of
[88:03] them.
[88:04] >> Uh no, not all of them. They're like
[88:05] closed, but there the minimums are still
[88:07] active cuz they're not sold to
[88:08] collections yet. What have they been on?
[88:10] They've been on that that um
[88:11] >> and it's hard for me to get true insight
[88:13] because I'm just seeing it through the
[88:14] credit report. So, it's not even showing
[88:15] me there's an additional 15,241.
[88:20] >> I guess what I'm saying though is like a
[88:23] lot of things a lot of things that
[88:25] you're looking at,
[88:26] >> are they not going to eventually fall
[88:28] off anyway?
[88:28] >> No, cuz they haven't gone to collections
[88:30] yet. So, there's an additional seven
[88:31] years once they do.
[88:33] >> Interesting. whenever they like that.
[88:35] >> This cash app, we have some money coming
[88:37] in.
[88:38] >> That's really not that.
[88:39] >> I prefer Chime, but you do you.
[88:41] >> It's not Jam and Toast forever.
[88:44] >> Subway, Ein Einstein, Einstein's
[88:48] um cash stuff. Donor Express, Chipotle,
[88:51] Apple Bill, Apple Bill, Chipotle,
[88:53] Chick-fil-A, Vending Machine, Bagel,
[88:56] Service Works, Chipotle. It's all
[88:57] Dan's Bagels. Going in and
[88:59] getting some
[89:02] >> A couple samples. That's good. Instead
[89:03] of going in against the make
[89:05] your energy drinks at home. It's very
[89:07] goon stuff, but it's actually tastes
[89:09] better than the energy drinks you do. I
[89:11] promise you that. And it's 40 cents a
[89:12] serving with the 10% discount code we
[89:14] got Caleb gamers.gg. Link in the
[89:17] description below. Get your free
[89:18] samples. Figure out what flavor you like
[89:19] and then make your energy drink. So,
[89:21] you'll never know.
[89:22] >> It doesn't have like the tingles. Does
[89:24] it give you the tingles?
[89:25] >> It's a proprietary blend. So,
[89:26] >> you need the ting. What do you mean
[89:27] tingles? What do you
[89:28] >> She's talking about a pre-workout is
[89:29] what she's talking about.
[89:31] So that's just a that's just an energy
[89:32] drink.
[89:33] >> Yep.
[89:34] >> Yeah. So you stop thinking that I have
[89:36] overdraft protection. Overdraft.
[89:38] Overdraft. Payment. Payment. Payment.
[89:39] Overdraft. Energy drink. Overdraft.
[89:41] Overdraft. Tractor Supply.
[89:44] >> Yeah. No, you guys.
[89:46] >> Pizza Hut. Tom Thumb Vending Machine.
[89:48] Roku.
[89:50] Energy drink. Dude, you just got to do
[89:51] gamer subs. Tastes better and it's so
[89:53] much cheaper. It's like making your
[89:54] coffee at home.
[89:54] >> That's you getting damn energy drinks
[89:55] though.
[89:56] >> No, it's you.
[89:57] >> Ain't no way. I don't drink energy
[89:58] drinks bro.
[89:59] >> They are so dumb. I don't know how you
[90:00] guys have survived. Overdraft.
[90:01] Overdraft. Overdraft. This is crazy.
[90:03] Kohl's. Roy Hut. Apple Bell. Apple.
[90:07] >> Um.
[90:08] >> Damn.
[90:08] >> H. Is it a good flavor? I don't know
[90:10] what flavor it is.
[90:11] >> No, it smells good. It just kind of hit
[90:12] me real hard there for a minute. I was
[90:13] like, damn. It says on the package, do
[90:16] not
[90:17] >> sniff.
[90:19] >> I'll sniff it.
[90:19] >> Because it like you're probably gonna
[90:21] have another heart attack. Vapor company
[90:24] >> dats. I hope you don't, but I'm going to
[90:26] try to I'm going to send you guys to
[90:28] Reed who helps us do finances here cuz
[90:32] listen, he's going to just need access
[90:34] to your accounts cuz with the way you
[90:36] did it, I can't I'm going to do a budget
[90:38] for you obviously, but I couldn't
[90:39] perfectly calculate because it was
[90:40] all in the credit report. I need your
[90:42] statements and your is such a mess
[90:45] it's impossible to see.
[90:46] >> Well, that's the only statements I have
[90:47] is the cash app right now. Well, no.
[90:49] There's statements for the closed
[90:51] account the account.
[90:54] I don't know what the minimum payments
[90:55] are. I calculated them to
[90:56] >> I don't know how to get into this.
[90:57] >> A lot of mine are 40 bucks. Almost all
[91:00] of them about 40 about $40.
[91:02] >> Then a lot of them are just behind.
[91:03] That's why they're showing even higher.
[91:04] So, okay. Let's see. Let's pretend.
[91:07] >> Let's say the minimum is 40.
[91:09] >> Don't pretend cuz like
[91:10] >> I have to though.
[91:11] >> He doesn't have the
[91:12] >> But use your
[91:13] >> I'm upping them.
[91:14] >> No, I could I could tell you what they
[91:16] are if that's allowed. Well, yeah, it's
[91:18] allowed.
[91:22] >> What do you mean you have them?
[91:24] >> What?
[91:24] >> I have Why haven't you cleaned your fish
[91:25] tank?
[91:26] >> Shut the up.
[91:27] >> But it's It needs to be cleaned and
[91:28] they're going to die.
[91:30] >> Let's see. She's been alive.
[91:32] >> Well, I say that.
[91:33] >> That's not what I heard.
[91:35] >> That's not what you heard.
[91:37] >> She's been here forever. Are people
[91:38] secretly replacing her that I don't know
[91:40] about?
[91:40] >> Probably to make you feel better so you
[91:42] don't cry.
[91:43] >> I wouldn't cry.
[91:44] >> I bet you would.
[91:44] >> It's a fish.
[91:45] >> Why can't you have mint? Why don't you
[91:47] like mint?
[91:48] >> Why do I not like mint? Because I don't
[91:49] like the flavor. Why don't you like the
[91:50] flavor? Why don't you like the flavor of
[91:51] something you don't like?
[91:53] >> Well,
[91:53] >> exactly. Shut the up.
[91:55] >> Damn.
[91:55] >> Your mortgage is $3,790.
[91:59] I have your minimums for some things. I
[92:01] have 626 so far, but I don't know
[92:04] >> right now currently for
[92:06] >> Is this accounting for all closed
[92:08] accounts that you don't even know about?
[92:09] >> Well, I don't know. I don't know about I
[92:10] have no access to
[92:11] >> exactly. That's the point. That's what
[92:12] I'm missing. So, let me fix.
[92:14] >> So, I have to guess. That's why you're
[92:15] gonna sit down with him and he's gonna
[92:16] go through your own accounts.
[92:18] Read.
[92:19] >> You'll know, bro. You'll know. Sure.
[92:20] >> He's our extra guy. I'm gonna pay for a
[92:23] session. I'm guessing an extra 480
[92:25] >> plus 626.
[92:28] >> This is on just the conservative side,
[92:30] but like I'm guessing your extra minimum
[92:32] payments are,100.
[92:35] >> It might be lower. I don't know. Okay.
[92:37] What's your utilities? Gas, electric,
[92:38] internet, all combined.
[92:40] >> So
[92:40] >> that's a him. This will be
[92:44] this is probably a more or less average
[92:46] right now. But if you look at electric,
[92:48] it's around 160. Um gas is usually
[92:52] around 79 80. Um if you look at water,
[92:56] let's say like 175.
[92:58] Gas, electric, water, internet is around
[93:01] what? 45.
[93:03] >> Okay. So 460. Gas vroom vroom drive.
[93:07] Both of you combined on a monthly basis.
[93:08] Let's say I'd say on average uh let's
[93:11] say about I'd say like 550
[93:14] >> give or take.
[93:15] >> Phone bill.
[93:16] >> Phone bill. Mine's 175 60.
[93:20] >> Sounds like you got something good like
[93:21] helium that most people should use.
[93:24] >> I'm just on my mom's plan.
[93:25] >> Oh, great. Okay. Yeah.
[93:26] >> Uh car insurance.
[93:27] >> That's around 350 for both of us.
[93:30] >> Necessary food.
[93:32] I'm guessing you can do about a,000.
[93:34] >> No.
[93:35] >> Yeah. There you go.
[93:36] >> Use the meal plan. meal plan and you're
[93:37] meal prepping. Five kids, you're meal
[93:40] prepping. All these dumbass snacks and
[93:42] >> Yeah, snacks means you're meal prepping.
[93:44] That's the thing. You're eating a lot of
[93:45] the same meals over and over again.
[93:46] >> No, I know. I like that. That's fine.
[93:48] Okay. Your household has one more kid
[93:49] than mine. Yes. But you know what my
[93:51] family did on a tight budget? Just white
[93:53] people, tacos, and spaghetti on repeat.
[93:54] It works.
[93:55] >> Well, we do that. And
[93:56] >> Well, there you go. You're fine. And
[93:57] chili is perfect. Is fine.
[93:59] >> But I need the kids snacks every two
[94:01] hours.
[94:02] >> You can get a few things, but you don't
[94:03] need to get all this name brand. You can
[94:05] do a 1,000. It's fine. if you find
[94:06] anything else they need to survive for
[94:07] you and the kids. I'm giving 500 cuz the
[94:09] at home school.
[94:10] >> We usually about 250 for groceries every
[94:12] week is what I give her.
[94:13] >> Oh, there you go. But you also eat out
[94:14] like crazy. Medical healthcare their
[94:16] co-pays.
[94:18] >> How much basis?
[94:19] >> Um I would say
[94:21] >> do you trust the doctors?
[94:22] >> We don't go that often, bro. It's kind
[94:24] of hard to say on a monthly basis.
[94:25] >> A doctor that is more naturalistic, but
[94:29] um naturalistic is not a word. But
[94:31] >> how much?
[94:32] >> It's like I would say like 30.
[94:35] Did you have like a failed home birth or
[94:37] something?
[94:37] >> It was not failed.
[94:39] >> If there was no failed pets,
[94:41] >> I We have three cats and two dogs.
[94:43] >> Yeah, them.
[94:44] >> But it wasn't failed. First off,
[94:47] which ones?
[94:48] >> Cats, dog. Get rid of them bastards in a
[94:50] heartbeat.
[94:50] >> Why? What's wrong with them?
[94:52] >> I hate them.
[94:52] >> He doesn't like cats. But they're sweet.
[94:55] >> Okay. Well, good news. $250 for pet
[94:57] insurance cuz you have so many animals.
[94:58] >> Yeah, we ain't paying that
[95:00] >> We don't have pet insurance. If they
[95:01] die, you need to die.
[95:02] >> Oh, why? Cuz if something happens, you
[95:05] can't afford to take care of them.
[95:06] >> They can go.
[95:07] >> Well, they're inside animals, so like
[95:09] >> Exactly. And if something
[95:12] >> And I'm not even explaining it. 250.
[95:14] >> If something happens, though, guess
[95:14] what? They gone.
[95:16] >> I know. So why do we need the insurance?
[95:17] >> That's how I see it.
[95:18] >> So you don't care if they die. The cats.
[95:19] >> No, I do. I'd be really sad.
[95:21] >> There you go. So are you going to save
[95:22] their life if something were to happen?
[95:25] >> Cuz that's what pet insurance covers.
[95:26] >> We can't afford it. No, we ain't.
[95:28] >> But pet insurance would make So you can
[95:31] >> Oh, my sister had that. But if they die,
[95:32] you still have to pay for it cuz it's
[95:33] like a thing. Like a
[95:34] >> Yes. Oh my gosh, I hate you.
[95:36] >> But he saved you to the dog.
[95:38] >> How much for pet food a month? Uh like
[95:40] 50 bucks.
[95:41] >> And cat litter.
[95:42] >> Yeah. How much?
[95:43] >> Uh
[95:44] >> 70 now.
[95:45] >> No. So the for the cat and dog expenses,
[95:47] I would say maybe $100 every six to
[95:49] eight weeks.
[95:50] >> Okay. So 50 bucks. Okay. Whatever.
[95:52] >> It's not. No, because the litter is not
[95:54] that expensive and
[95:56] >> subscriptions. I'll try to give you 100
[95:58] bucks. I don't know.
[96:00] >> Well, let's see. I guys, this is such a
[96:02] mess. This like I don't even know what
[96:04] this is.
[96:06] >> This is like the It's the worst budget
[96:08] I've made.
[96:09] >> No,
[96:09] >> you don't even say that to every you
[96:11] guys smoke. No, it's the worst in terms
[96:13] of it's so scattered.
[96:15] >> I don't know how true it is or not.
[96:17] >> Is this real accurate though? We have
[96:19] bad debt 87,000.
[96:21] >> Yes.
[96:22] >> Plus student loans and plus a lot of
[96:24] like that.
[96:25] >> Shame.
[96:28] >> But it's fixable.
[96:30] >> Probably have legal room. proable.
[96:32] >> Yeah, sure. I just don't know if this is
[96:34] accurate, but 9 uh 8,500 to survive is
[96:37] what you need to make your payments and
[96:38] everything on time. It might be 9,000,
[96:40] might be 9,500, but either way, if
[96:42] you're bringing in that 13,000 a month
[96:44] that you said you are, then
[96:47] um it's like, yeah, I need that.
[96:51] Then with all your
[96:55] federal first federal okay so 597 your
[96:58] total debt situation is $597,26627
[97:03] minus
[97:05] 498014.93
[97:09] for the mortgage and minus the student
[97:11] loans of $9,854.
[97:13] So debt to pay off 90,000 hours
[97:15] basically with your addition. I'll give
[97:17] you funds spending of 500. But again,
[97:19] that's if the payments that's if the
[97:21] payments aren't higher. If they are, get
[97:22] rid of it. So that gives you an extra
[97:26] $4,000
[97:28] a month to put towards that maybe, which
[97:30] pays it off in under two years. So you
[97:33] can have fun and probably pay off all
[97:36] your debt in under two years.
[97:38] >> A month.
[97:39] >> Well, I'm You didn't say a month.
[97:41] >> It's all a monthly budget. Well,
[97:43] >> well, you pay off in under two years and
[97:45] then 6 months to get a fully funed
[97:47] emergency fund. That's if the debt situ
[97:49] You're going to sit down with Reed and
[97:50] he's going to go further in debt.
[97:51] Listen, guys. This is too impossible.
[97:53] It's too impossible. I didn't have your
[97:55] statements.
[97:56] >> No, it's impossible for me to give an
[97:58] accurate number.
[97:59] >> I couldn't get access to all the stuff
[98:00] that's uncharted.
[98:01] >> Exactly. That's what he will help with
[98:02] cuz he has more time.
[98:04] >> Guys, let's get the Hammer financial
[98:06] score and then go into the post show.
[98:08] There's more things. There's more things
[98:10] to She's hiding from him that we
[98:13] haven't even gone through. We're gonna
[98:14] go into the post show. There just wasn't
[98:16] time. There's Oh, they're planning a big
[98:18] vacation. I'm gonna go through their
[98:19] phone, figure out where that all the
[98:20] Apple came from. See what they're
[98:22] hiding from each other. See how she
[98:23] communicates in their text. It's always
[98:25] chaos. The post show's incredible. Let's
[98:26] get the hammer financial score, though.
[98:27] Spending in a budget. You technically
[98:29] didn't overspend. Actually, surprising.
[98:32] Uh, but you certainly put money towards
[98:34] instead of paying off debt. So,
[98:35] it's not good. I'll give you a two out
[98:36] of 10. Best I can do. We're lower than
[98:39] the the the
[98:40] >> two out of 10 in your spending in the
[98:41] budget category. I'm going through every
[98:43] category. Your debt, there's
[98:44] collections. So 0 out of 10 for that
[98:46] emergency fund. There is no saving. 0
[98:48] out of 10 retirement. Is there
[98:49] retirement anywhere?
[98:50] >> Well, my money is guaranteed for life.
[98:52] >> Yeah.
[98:52] >> I mean, and I have
[98:54] >> I think we deserve a point
[98:56] >> for that. I mean I mean technically,
[98:58] dude, like I mean I know this is kind of
[99:00] iffy like if social security stays
[99:01] intact for that long, great. If it
[99:03] doesn't, we might lose it. But the VA
[99:04] money is for life. Well, social security
[99:06] 2032 it gets cut by mandatory 25%.
[99:09] >> Maybe.
[99:10] >> No, it does unless we readjust
[99:11] something.
[99:12] >> They said maybe. It's a maybe. They said
[99:13] that years ago, too.
[99:14] >> Well, yeah. And then they re they lifted
[99:16] the retirement age.
[99:18] >> Oh, okay. Serious. But mine's mine just
[99:20] >> they have to do something. Yeah. It
[99:22] affects everything, including some
[99:23] Medicare funds. Medicaid funds, too.
[99:25] >> I don't I don't give a about
[99:26] Medicaid but
[99:27] >> No, but Okay. Two out of 10. I'll give
[99:29] that. Real estate. You own a house. The
[99:31] 40-year mortgage is crazy. The
[99:32] interest rate isn't great. What's the
[99:34] house worth? Do we know?
[99:35] >> Think we owe 498. It's worth like 4.85
[99:37] right now.
[99:39] >> No, it's not.
[99:40] >> Yes, it is. It's not worth what we
[99:41] freaking
[99:42] >> house in the market. But I'll give you a
[99:45] three out of 10.
[99:46] >> We owe4.
[99:48] >> No, you owe 500,000.
[99:49] >> No, we don't.
[99:50] >> It's 498.
[99:54] >> Take that out,
[99:54] >> buddy. Your most recent statement and
[99:56] that's all that matters to me. So, I
[99:57] don't give a
[99:58] >> Okay.
[99:59] >> Okay.
[100:01] >> That's your most recent statement.
[100:03] Hammer financial score 1.5 out of 10.
[100:05] Guys, there's so much more.
[100:06] >> Are you kidding me?
[100:07] >> Go yourself. There's so much more.
[100:09] There's so much more to happen in the
[100:11] post show. Join Hammer Lee for three
[100:12] premium shows every day, 6 days a week.
[100:14] Get your hammer financial score. Caleb
[100:15] hammer.com. I'm going to kill myself. Is
[100:17] crazy. Okay. See you there.
[100:18] >> You told Jen that you feel like you have
[100:22] to secretly hide and save money from
[100:25] Luke.
[100:26] >> I got to save money, but you spend the
[100:27] money and me for spending money.
[100:29] Makes no sense.
[100:30] >> He won't pay my bills. like they they're
[100:32] late. But I've never been paid for your
[100:33] dad. He paid for your attorney and he
[100:36] still thinks that your kids are in
[100:38] public school.
[100:39] >> They don't. He doesn't think they're in
[100:40] public school. He thinks they're in a
[100:42] private.
[100:43] >> You are evil. I have an exclusive offer
[100:46] just for you. But there's only one day
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