---
title: 'Financial Audit''s Most Evil Husband'
source: 'https://youtube.com/watch?v=ZTx2ngpe-QM'
video_id: 'ZTx2ngpe-QM'
date: 2026-06-30
duration_sec: 6321
---

# Financial Audit's Most Evil Husband

> Source: [Financial Audit's Most Evil Husband](https://youtube.com/watch?v=ZTx2ngpe-QM)

## Summary



## Transcript

I don't trust him with our kids.
>> That's not the greatest thing to hear
from our wife.
>> But he did tell Lindsay something before
you were supposed to come on. He's has
an out plan.
>> I'm living alone and the kids will go to
you for a week. That is that is
literally the plan. That's called
divorce.
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>> Hi, I'm Callie. I'm 28. I'm Drew. I'm
29. We're from the Dallas Fort Worth
area
>> and this is Financial Audit.
>> Welcome. Thanks for coming down to
Austin guys.
>> Listen, no, you're welcome. You're
welcome. I I know I need to be a part of
this conversation. I looked at the note
for the episode. Don't know much else
about y'all, but I know one of you says,
"I'm the financial audit of the
relationship," which I've never heard
that before, and I need Caleb to help me
essentially reaffirm that. who is
financially auditing each other in this
relationship. I don't know. As the
financial audit guy, by the way, I do
not financial audit my relationship. I
don't know how long my relationship
would ask if I was financially auditing
and Caleb hammering my own relationship
on a daily basis. I think she would
murder me. Who's financial auditing each
other? And who's murdering each other?
>> So, I'm trying to financially audit
Cali.
>> Okay, good luck.
>> Yeah, I need it.
>> So, what's going on? What? What? What
are you financially auditing? Cali, are
you guys married?
>> Yeah. Get some baselines.
>> I said no.
>> How the are we disagreeing on marriage?
That doesn't make sense. That immediate
I'm going to be honest. What the
>> Okay, we're not legally married. We are
quote Texas common law married. We have
>> Okay. So, what do you what do you guys
call yourselves?
>> Husband and wife.
>> Husband and wife. Yeah.
>> Then what do you say? No, you're common
law married.
>> From like a legal standpoint,
>> you got the common law protection. You
establish it. common law married.
>> Okay, then yes, we're married.
>> Okay. How long have you, I guess, been
together?
>> Um, we've been together for like 8
years.
>> Yeah, about 8 years, I think.
>> Why the don't Why not just get married?
>> Um, number one, very expensive.
>> Not really. Go to the courthouse.
>> Okay. I wanted I would I offered that
and then his parents said that his
parents
>> we should have one for the family to
bring.
>> Okay. So, now we just have none at all.
Should be your response to the parents.
I mean, you guys are doing I pulled up
to work all happy, all excited to get
here, get myself a cup of coffee, and I
saw you guys flinging dirty diapers in
the parking lot. You guys are breeding.
>> You ain't married, common law. You guys
have been together, but you're breeding.
There's children in my office.
>> I don't know how many, but there's
noises. As I was going out there right
before filming,
>> how many kids y'all got together?
>> Three.
>> Oh [ __ ] And you can't even get married?
That's weird. How old?
>> Um 6 20 months and 6 months.
>> What?
>> 6 years old. 20 months and 6 months.
>> Okay. Why? Why? 20 months. That's the
>> He's not 2 years old.
>> He's basically
>> Say that to him.
>> I Okay. He's basically two. You argue
with
>> I lost track of the months. I just say
that he's going to be two in September.
>> No, you don't. You go. I don't like
that.
>> Okay. So, 6 years, 20 months, and 6
months.
>> Yeah.
>> Okay. So, well, we're on a roll. Well,
it sounds like you guys are pumping them
out quickly. Now, is is there a fourth
one coming? Because you went from 20
months 6 months.
>> No,
>> it's on the table, but we're years away.
>> See, again, you guys aren't aligned.
What? What? What?
>> Well, you say if if you ask if another
one's coming. I'm assuming like right
now. No, we're not.
>> You're about to turn 30. When's the
years away? You know what happening?
Okay. Well, you'd be okay, I guess. But
just start heading towards the cliff.
>> Well, yes, I guess. Well, it's just if
we're making plans, right? I don't know.
>> Yeah.
>> Are you raw dogging?
>> Yeah.
>> Okay. So, I don't think it's necessarily
5 years away.
>> Could be if we plan it right.
>> Oh, absolutely. But it could happen at
any time. It's happened on this show.
It's likely. Were all them intentional?
>> Um,
>> exactly.
>> No.
>> Exactly.
>> No.
>> And neither was I. This is biology.
Welcome to Come. We just recently
combined everything.
>> 8 years in.
>> Yeah.
>> Well, I think I understand the why you
guys broke up and then you found out
you're pregnant, so you're just like,
"A, we'll do it."
>> Well, no, we got pregnant after we got
back together.
>> Okay.
>> But no, we just recently combined
everything. Um, and so with that, he's
trying to have more control over it. And
I don't like that cuz I haven't had to
do that my entire life. Have I had to
ask someone, can I go buy this?
Um so
>> because I'm married, it's not
necessarily permission on everything,
but it is a conversation whether or not
we can afford it in the budget in order
to hit the goals that we're trying to
get to as a couple.
>> That'd be correct if um that was shared
with the class.
>> If what? Share your [ __ ] Tell you share
with the class what the I'm trying to
get some insight. Tell me.
>> Tell you what,
>> what's going on? Why are you saying
that? What does that mean?
>> I have no clue. So, in all honesty, I
>> What is going on then for you to say
that? You just have no insight. Is that
what you're trying to tell me?
>> No, I don't.
>> Okay, that's what you got to say.
>> Okay. So, why?
>> Because he puts it all in a little black
book while he works overnight and then
doesn't tell me about it and or it's on
an app on his phone now and then doesn't
show us like the budget. Doesn't show me
the budget. We don't have any
conversations about it. Ask.
>> Well, it's not that she It's not that
she can't know. We have conversations
about it. I'm not trying to hide.
>> She's saying everything that's going on.
She's But okay. Well, what
>> he doesn't actively try and I've told
him multiple times, we need to schedule
a time like on a Sunday, sit down, fix
our budget, plan out like meals and
stuff together, and this is what we need
to do, like plan out our grocery list
and all of that good stuff. But he has
yet to like try that. I'm still the one
making the grocery list.
>> Wait, but he he was saying in the pre-in
that it's all your fault. You weren't
even supposed to be on. We just luckily
convinced you to come on because he was
saying it's all your fault and all your
spending. But you're saying he's not
willing to put in the effort or try.
>> But then he makes like massive payments
on cards and then I don't
>> cards. Well, yeah. Paying off debt.
Wouldn't that be good?
>> Correct.
>> What's wrong with that?
>> But if I don't know about it in our
budget and I'm planning to like grocery
shop and then money goes out and then I
don't tight it. What do you guys do?
What do you What do you do for work,
Kelly?
>> So, I work in real estate.
>> Well, in what context?
>> I work in management. Property
management.
>> Okay. Okay. That that could make money.
I don't know.
So, what do you make?
>> I make $96,200 a year.
>> Okay, go yourselves. How possibly are we
talking about? We made a payment on a
car. Now, we don't know if we can get
groceries if half of our income is
$96,000 a year. Die. What the is wrong
with you? That's that you're acting like
children. If you're saying making a
payment on a card prevents you from
getting groceries, you're being
children. It doesn't prevent, but it
does kind of throw things off when I'M
NOT
>> NO, NOT enough for half the income.
>> I'm not on the Wells Fargo account. I'm
not on the MX account. And he goes he
goes and does stuff with the MX and
makes a payment with the Wells Fargo.
>> The problem is that Exactly. Like you
said, no communication.
>> We We make money. We have sat down and
built out a budget and then the second
life starts happening, we just throw the
budget out the window and it's hundreds
of dollars towards this, hundreds of
dollars towards that. Stuff that's not
in the budget, stuff that we don't
actually need.
>> What What are we getting that we don't
need? Who's getting what we don't need?
How often?
>> You're crying and complaining that you
couldn't get groceries, but you're
getting [ __ ] you don't need. So that's
that's not the same thing.
>> It's not the same thing.
>> What is she getting? What is she doing?
>> God, I mean, it's everything. It's
clothes for herself. Um, you know,
shoes. I don't even know what she's
getting on Amazon, but [ __ ] just keeps
showing up almost every single day. And
then not to mention all all the new
hobbies that she picks up. Have you ever
seen how expensive pottery is pottery?
>> Oh, why the are you picking up? Listen,
I mean, do a hobby. Hobbies fine. You
guys make money. You can get a hobby,
but you got to have a fully funed,
emergency fund, and no bad debt,
>> right?
>> And even if you even if you have those
things, stick to a hobby. Don't hobby
hobby. You're a hobby hopper.
>> I am a hobby hopper.
>> If you're a hobby hopper, you can't
afford to be hobby hopping. You should
be able to at 96.
>> Set hobby, but I set out to learn
something new this year. And I wanted to
learn
>> new this year. Okay. How many new things
is she learning this year?
>> This year, I think it's just the pottery
so far.
>> Okay. Well, how much is it cost? 96. You
should be able to do pottery. You can do
pottery. 96.
>> Pottery is very expensive.
>> 96. You can do it. You alone are making
more than the median household income in
the DFW area in the United States.
>> We should be able to afford that. I
agree.
>> You can if you're not it all up.
>> And on all the Amazon packages, my good
sir, that's all for work currently.
>> That is not all for work.
>> All of the packages that are
>> the ones that are coming the ones that
are coming right now are for work. Your
company's paying for that. But over the
last I bought one.
>> Why do you refuse to show them your
Amazon account though? I'm being told
that. I've you pull out my phone. We can
pull it up right now. You can have it,
buddy.
>> Why have you refused to show it up until
this moment, though?
>> Never refused. I've gone through it.
>> Why are you saying that then? Why are
you telling Why are you telling Lindsay
that you refuse that she refuses to show
you?
>> I think it's because she doesn't want me
to see all of the stuff.
>> If she's saying she doesn't refuse,
though so
now if she would if she would ask if I
would ask.
>> No, we'll look at that later. But you
specifically told us that she refuses to
show it, but she's saying no. No, no. I
don't refuse.
>> He's never asked. He's never said
anything.
>> So, you're saying he refuses to show you
the finances? She's He's saying you
refuse.
>> I've asked. That's the difference is I
ask. I say, "Hey, what are we like what
what are we what's our budget?" And then
he wants to throw out that I go and buy
all these clothes. He has set a $100
like clothing fund within our budget.
And I don't ever
>> every single month,
>> right? But I've only bought one outfit
for myself in like 2 months.
>> Absolutely not true.
>> I bought a shirt, a pair of pants, and
then last month I bought two dresses.
>> Okay, how about last month when we That
might have even been just 3 weeks ago,
we went to the sporting goods store.
>> I bought a bathing suit and a bathing
suit cover up.
>> $400.
>> And then we bought a couple of things. I
And that's honestly because the store we
went to, that's very expensive. I bought
a bathing suit, a bathing suit cover up,
and then a workout outfit.
for the gym. Like that was it.
>> It was $400.
>> It's Well, you can't wear your bikini
out in the middle of public, right?
>> Who?
>> Um public indecency laws.
>> Is this true?
>> That is not true.
>> I've live Well, Lifetime has the rule
that you can't walk out in out of like
the dressing room.
>> Okay, whatever. That's that that's not
the big point. Okay, you complained. You
you made the excuse it was dependent on
the store. Why'd you go to that store
then? That was just what was closest to
his parents house and we were going
>> if you're going to go to another place.
>> Well, I mean
>> the entire excuse for that which by the
way again you guys can afford a $400
purchase. We we haven't even talked
about your job. You
>> should be able to.
>> Median household for your metro $70,000.
Yeah.
>> You make 94. You not even him included.
What do you do for a living?
>> I work in public safety.
>> Public safety usually pays well these
days. What do you make?
>> Uh so I make a shade over $50 an hour.
Guys,
what the are we doing? What does that
translate to?
>> Around 107 annually.
>> You make $200,000 a year in an area
where the median household income is 70.
And you're telling me you can't get
groceries? You shouldn't even be
freaking out about a $500 purchase. How
have you guys this up so bad? And then
you guys don't even have the same
conclusion in the end about what it
looks like today or how it's gotten
there.
>> What the has happened. Yeah. Lack of
communication. But I don't know which
side's correct if any.
>> Well, it's not just a lack of
communication. We have spent so long
living above our means that
>> above 200 a year.
>> Well, it wasn't always 200. That's only
been in the last year and a half or so.
>> What? Year and a half is great. So even
still last year and a half let's say you
lived above your means before that last
year and a half you should be able to
pay that down.
>> So what the are you doing? What is what
is
>> I think it's just mismanagement of money
to be honest
>> from
>> from probably both parties.
>> What' you say both parties to an extent?
Yeah.
>> Okay.
>> I spend but he doesn't communicate what
we need to pay and when and how those
payments are aligning. Like I know that
he has set up how we're going to what is
it your payment method for like paying
things off.
>> Oh the avalanche.
>> Oh is avalanche. Okay. Yeah that doesn't
work if we spend more money on them
anyway. So he's probably not doing
avalanche. I don't know. People have
this in their mind then they don't even
touch it. Yeah was the plan. Immediately
spent only did the minimum payment on
the top card and then spent double the
balance that was already on it. So
avalanche you. What are you talking
about? There's no avalanche. How do the
financial conversations go in this
household?
>> Not well.
>> Tell me.
>> It ends in a fight. Always. Um, he
thinks he's right. I think I'm right. We
butt our heads. And then
>> what's the perspective? Tell me. Give me
like the most recent example. So my plan
is we discuss how much is going to come
in. Our um our income is pretty set in
stone with the exception of any overtime
that I get. That's just extra. Um, and
so then we can build out, you know, if
we're going to spend $1,000 on groceries
every month, uh, we know what our
mortgage payment is going to be, we know
what the car payments are going to be,
we know what our utilities are going to
be, and then we should have x amount
left over to in this case or given our
circumstances, we need to be able to
apply that to the debts, but instead it
just gets spent on other things.
And then the conversations are usually
well you know we have we have to do this
this is coming up we need to make sure
that we can put this money towards this
or the second we get any unexpected
money instead of applying that towards
our existing debts it's I think we
should do this with it instead
>> but that's always a conversation and he
typically agrees to it. It is never me
deciding.
>> What do you mean? How did that turn into
a fight? I said for a recent example,
but you guys say you're fighting. What
was
>> Because we argue about where money goes
and then he gets angry about what I
spend money on. So if I go and buy my
daughter something, he gets he will
argue about that. Um or that she doesn't
need this.
>> That's an example is what I'm asking
for. That's what I asked for, guys. Come
on.
>> He went and bought clothes.
>> Clothes. Okay. $890 of clothes.
>> Yeah, it's expensive. Expensive. You
should be able to afford it in your
budget though. You should be able to.
What was the argument?
>> It It wasn't budgeted. She said, "I'm
going to go to Target. I'm going to get
a couple of clothes for the kids."
>> I said, "I'm going to get all summer
clothes because they all need it. They
are all in the next size up at the very
same time."
>> And then without any further
conversation, it was I'm buying their
full wardrobes for the next four to 6
months when we don't have that kind of
money available.
>> That doesn't make sense. You don't pay
for that. Six shirts for my
six-year-old. Four pairs of pants, two
dresses, and a pair of shoes and
underwear.
>> Damn. Why'd you got to get so much in
one go?
>> What do you mean? It's There's seven
days in a week.
>> She didn't have anything else, and
there's no hand-me-downs from the
previous.
>> She's the oldest.
>> There's no family members. I don't know.
So, there was no confirmed. There was no
other clothes for her to wear.
>> Her closet's full. She's borderline 40.
What do you mean it's full? Half her
butt is hanging out in her bike shorts.
Her shorts are her shirt lifts up and
shows her tummy whenever she's out. Do
you really want her walking around with
her belly and butt out?
>> She's obviously not.
>> No, she's very lean, but she's very
tall. So, like the skirt we bought her
four months ago, or I mean 6 months ago
at this point, doesn't fit.
>> Then why in this moment did you text and
call him and say, "Ied up."
>> I texted him at checkout and was like,
"Okay, I that is not literally my text.
I up." And he said, "Oh,
>> did you though? Cuz right now you're
saying you clearly did."
>> I don't think I did. I don't think
>> Why did you text me up? because I knew
he'd be mad about the cost. But then he
doesn't ever go buy their clothes.
>> What store?
>> Target.
>> That's not unreasonable.
>> Like I wasn't going to Justice. I wasn't
going to
>> I don't know what that is, but it's a
girl store.
>> Well,
>> I wasn't going anywhere crazy. It's
Target and it was $5 Cat and Jack shirts
and bike shorts.
>> Yeah. I'm not saying that the entire
purchase was completely unreasonable,
but maybe a little heads up that we're
spending almost $1,000.
>> Heads up was fine. Did he know? Did he
know you were going?
>> He did know. I I told him I'm
>> So, what was the What did he think was
happening?
>> He probably thought I was going to spend
like $200. But then again, had he ever
gone and bought clothing for our
children, he would know.
>> Is that what you all have negotiated
responsibilities around the house?
>> No.
>> Okay. Cuz I'll be completely honest, in
her pre-in she says you're lazy around
the house, that you check out at the
house, that you just show up and you're
just a bad uh
>> partner. Yeah. That Well, that is what
she said.
>> Yeah. I I'm not perfect, but
>> Well, not perfect. I mean, she made it
sound a little worse. Like, you just
don't contribute. So, like, yeah, you
wouldn't have any perspective in buying
clothes and whatnot if you don't help.
>> Like, when was the last time you went
and bought them clothes? Give me an
actual time, a time frame when you went
with me or whenever you went and bought
them yourself.
>> I don't know. I mean, in the last 6
months or so, I've been there or went
and bought
>> you pair of shoes a month ago and before
that. Can you give me another example?
>> Not off the top of my head. No.
>> Okay.
>> What is this lack of helping around the
house then? Cuz that's going and buying
clothes. But I want more perspective
into this.
>> So he works nights. Um so on those
nights he takes a a short nap um the day
of or he has the kids. I work full-time
and I I'm throughout the day. So he has
the kids. Um, and we have two small ones
that don't always lean the most ability
to clean, which is okay. Um, but then he
has the two days that he's off and he
does jack [ __ ] the entire time. He
rarely gets up and then the last day
that he's off. So like if he works
Tuesday and Wednesday or Wednesday and
Thursday, he doesn't really do anything
until Friday evening or Saturday.
>> How many hours a week are you working?
So, I have an alternating schedule. Uh,
on my short week, I work uh 24 hours. On
my long week, I work
>> What's he doing on his 24 hours? He's
not doing anything.
>> That's a great question. I don't know. I
clean the whole house.
>> Listen, I understand your schedule's a
bit. Okay. Your sleep's a bit weird.
That I mean, that is fair. That part's
fair, but 24 hours, you got you can step
up a little at the house. No.
>> Yeah. I mean, I I try I do try, but you
try.
>> Um, well, last week, uh, it was raining.
He left the dog outside in the rain. and
he slept on the couch. Our toddler was
running around with a marker colored on
the couch and the baby was awake. And I
was in the middle of a work call, got
off of that, went downstairs and I said,
"Are you kidding me?"
Yeah,
>> buddy.
>> How do you defend yourself?
>> What the are we doing? Look, it I I do I
do try my hardest to make sure that they
are that they're safe, that I'm not
leaving them in weird positions like
that. But when I'm when I'm working 12
hours overnight and then I come home and
now I'm responsible for an almost
2-year-old and a baby and keeping them
quiet to a point that she can that she
can work and not have the noises of of
children's lives interrupt her phone.
>> This was a Monday or Tuesday. So my
sister was off of work and available to
help. I also offered
>> that was my second question.
>> I also offered and said I will take them
if you need me to. What do you need from
me? And he said no it's fine. I'm gonna
try to get them down for a nap and then
never sleep.
>> It doesn't work because I was about to
defend you cuz your sleep that is your
sleep schedule and that's fair. I was
about to defend you but if the sister
was willing to step in and she offered
you can't take the responsibility and
then not
>> he's like the partner in a school
project whenever you do all of the work
and then he goes me too. And then he
gets a grade for it.
>> How's y'all's relationship right now?
>> We're we're trying. It's it's it's
rocky. It's a really hard
>> Why is it rocky? So because we have this
exact conversation
>> 50 times a week.
>> Exactly.
>> Why did you step up after you have that
issue?
>> Well, I I
>> It's not like a biological problem
you're having. That's like a
>> It's not like you're not getting hard,
>> right?
>> And which there are pills for that.
>> Okay. And there's pills for that. So
there we go. But even so, this is
literally just behavior,
>> right? I understand that. And
>> you're someone with discipline. You're
in public. After we h after we have
these conversations, I do get better for
>> a few days for a period of time and then
I and then I have days where I struggle
and it's
>> it it's hard to have a great day every
day. But I I do asking for great day
every day.
>> Sometimes it feels that way.
>> Okay. But also you went to help them buy
shoes once in the last 6 months.
>> That's not great day every day request.
>> But the the biggest conversation that we
have is more around the house.
because she she complains almost I mean
I'd say four times a week that she's
doing all the cleaning around the house
and that I do nothing to help. But like
I said before, I'm having to keep these
two rambunctious children active and
doing something in a way that it doesn't
interrupt or interfere with her work.
>> Right. But then you complain to Lindsay
that she doesn't cook enough.
>> Right. She But there's days where she
chooses not to cook.
>> Yes. because she had she had a long day
of work and instead of cooking, we're
just going to order something.
>> Can you cook?
>> Absolutely. And I love cooking.
>> Oh, does he cook?
>> Occasionally. Okay, if you love to cook,
then cook. But expecting me to cook
dinner, clean the entire house, manage
all three kids, work a full-time job.
Not to mention, I'm also in school.
I'm so sorry. I feel like I have a
Thanksgiving plate and it's overflowing.
And yours has a slice of turkey and
maybe a little dollop of potatoes. Take
some damn sides off my plate and have a
low like have a field day with it. Dude,
I don't know what you want.
>> You think she's lazy?
>> No, I don't think No, you think he's
lazy?
>> Yes. I mean, he'll do the dishes, but he
does
>> the dishes. Doesn't clean off the
counters. Doesn't clean off the stove.
Doesn't take things and put them away.
He does the dishes in less sink.
>> Are you a minimum effort guy at the
house? I I really try not to be, but
some days I say the good words. You say
you're trying, you do, you want to all
these things, but you don't do any of
it.
>> So, you got the good words, but where's
the good actions? You're a disciplined
man. You're in public safety.
>> You went through it.
>> You helped the world be disciplined. Why
can't you bring some of that to home? I
don't know. I guess maybe I'm just
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>> It feels a little bit like a cope. I'm
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>> I mean like maybe that's true, but it
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>> So
I'm confused. I don't get to take naps
at work.
>> I don't take naps at work.
Okay.
>> Huh? But why what are you insisting or
insinuating here?
>> He takes naps at work.
>> So, I mean, you're he's saying that he's
one of those where you're allowed to.
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official rules for details. So,
yes and no. I mean,
>> obvious obviously it's not ideal to do
that. Uh, and I and I do my best not to.
I've I've dozed off. I'm not going to
lie to you and say that I haven't dozed
off and fallen asleep.
>> So then you're not giving up when we're
not when we're not having a busy night
at home. That's my argument there is.
>> Yeah.
>> I mean to be clear with the spending and
a lot of things you do, not the clothes
thing, but we do know from what we
looked at that you are the aggressive
aggressive spender on [ __ ]
>> You are the villain there,
>> right?
>> But you're kind of the villain of being
lazy at home. And I feel like you're
almost taking it out. I'm just going and
swiping,
>> which doesn't necessarily help us in the
end, right? As a household.
>> Listen, if he is,
>> sometimes you need like a break.
>> I agree with that. And I want him to
step up so you can, but you don't get
revenge. You don't also bring down the
household by being a [ __ ] menace on
the outside. You do financially, though.
>> Okay? So, listen. Just because someone's
not stepping up at home doesn't mean you
can just not step up outside the home.
>> Okay.
>> You can't it up.
>> Can we take a little break?
>> You need a break?
>> Yeah. Can we take a little break?
>> Okay. Well, take a break.
>> I'm honestly very tired. I would not be
crying right now. I'm very tired.
>> That's okay. Your mother, you see that?
Yeah, I see it.
She She's not afraid to tell me when
she's overloaded either.
It would be nice if you listened.
>> And it would also be nice if you didn't
go spend money you don't have.
>> Fair.
>> Cuz that's going to add to the stresses
of the household. A man not stepping up,
not helping the house, that's going to
be a reason for divorce at some point.
>> Mhm.
>> Financial [ __ ] in the house, that is a
leading cause for divorce in this
country. Do we want to get divorced?
>> No.
>> I don't read you guys as a couple that
wants to get divorced. It's not
something I would advocate for in you
guys. I don't see that. But are we
surprised that the household is rocky
right now? No. When you both up in two
very clear directions and neither of you
seem like you want to make any ground in
making those situations better. Like you
make the good talk, but you don't seem
like you're trying to do any better at
the house. You don't sound like you're
trying to do any better financially. No
wonder he's not willing to. It feels
like he's hiding [ __ ]
>> I don't think he's hiding anything. He
just isn't
>> forthcoming. Communicate.
>> Yeah. I'd be nervous too if you're going
out there and around constantly
and in the financial conversations I'm
being had again again this is the pre-in
a couple of the things that I said were
kind of wrong earlier from what he said
like the you know he was like a fine
well you know we'll stick it out cuz you
got pregnant well apparently that wasn't
true cuz it was timeline issue and then
one other thing I said was kind of
incorrect that's cuz he told Lindsay
that pre-in [ __ ] before you were coming
on so it was going to be a defense
mechanism so the story was going to be a
little different anyway it sounds like
that he was going to tell.
>> Well, that's interesting.
>> I don't know, but you guys say different
things. So, I don't know if this was pre
you coming on or not, but he always says
that I'm always giving into her. I'm
always giving into her is what he said.
Is that true?
>> Yeah, absolutely. What does that mean?
>> Um, it means that I am very persuasive
in my arguments
for
>> by that he said he says no and you get
angry and then he's just like fine.
>> I don't always get angry.
I do not always get angry.
>> I mean, I live with the world.
>> Any
any time that you have said, "I want to
get this. I feel like we need this." And
I say, "Well, no, we don't we don't have
the money to spend on that or we that's
just not something that we need right
now." Then it is immediately anger. I
mean, let's go back to a couple months
ago whenever you were wanting to get a
Dyson vacuum. We we had two working
vacuums at the house.
>> They And okay, they are both really
really crappy. One of we got one of them
from your parents
>> and I didn't say it had to be a Dyson. I
just said I really like this one because
it doesn't have to plug in. We don't
have to carry it up and down the stairs.
And as the person who cleans the house,
I think that I get a little bit of
leeway in what I would like to use to
clean our home.
>> Women love to clean. They bowl of to
cook steak.
>> Dude, all women are the exact same. My
girlfriend's asking for the exact same
thing. Look. And you
>> And we have cleaners. So, what the is
happening?
>> I would kill for a cleaner.
>> Okay. Well, they're cheap and you guys
make a lot of money. I'll be honest.
Which, by the way, you specifically
wanted the Dyson because the last time
we tried to find a cheaper alternative
to Dyson,
>> we got something else and it broke very
quickly and then we replaced it with
something different. Had two working
vacuums at the time that she was
requesting this Dyson. And I said, "No,
that's crazy expensive. We don't have
the money to spend on that. We have two
working vacuums." Immediately, she goes,
"When we combined finances, you said
that you weren't going to be
controlling, but this is the exact
controlling behavior that I was trying
to
>> asking for a vacuum."
>> Yeah. Apparently, denying a vacuum when
we have two working vacuums is
controlling. when one of them weighs
like 20 pounds and you're carrying it up
the stairs and you're the one doing the
most of the work and the other one is so
small and compact that it's not meant
for like room vacuuming. Our whole
upstairs is three bed four bedrooms is
the master and three other bedrooms and
it's all carpeted.
>> Yeah. How much the
>> one of them was like 500.
>> Guys, you make $200,000 a year. I don't
think you understand.
>> But we're we're hemorrhaging money
already.
>> I agree. I think now this is a household
beneficial tool potentially. But but
where's all the money going that would
go to that instead?
>> The miscellaneous
>> [ __ ] billion monthly payments that we
have to make.
>> It's a billion monthly payments. It's
eating out. But
out if I had help.
>> You can't do that. You can't do that and
get that kind of [ __ ] or well get a
vacuum like that if the money goes to
the [ __ ]
>> You can't $1,000 went out to you last
month. $1,000. You make $200,000 a
month, but $1,000 going to food eating
out actually cuz groceries is was an
additional th000. So 2,000 going to food
that immediately means no, you probably
don't get to have a $500 vacuum and
[ __ ] Especially when unknown shopping
things we don't 100% know. Could be
[ __ ] could be not. Was an
additional $1,800
>> the previous month. 1,800 other large
purchases. These are big picture
purchases. Might be [ __ ] might not
be. 2,400.
So now we have a potential [ __ ]
amount of Oh, and then miscellaneous
[ __ ] An additional $75,000 by the
way. So what are we at? We're like four
potential four $5,000 in [ __ ]
>> potential has made it in the middle and
say minimum $2,000 on [ __ ]
>> Yeah, you could get a vacuum. Why are we
spending 2,000 on [ __ ] instead?
>> Because it's random little things that
we want.
>> Well, there you go. Then you don't get
to have the big thing. Even if it makes
your life better, you don't get to.
>> So, it's all her.
>> Yes. Absolutely.
>> So, you didn't pay someone $500 to get a
pair of boots, which you've never
gotten.
>> You didn't pay someone to do that. And
you've never gotten the money back.
You've never ordered clothes from Adidas
online.
>> You've never paid for golf.
>> $70 of clothes.
>> Okay. But you've never paid for golf.
You didn't go buy a new a new a new iron
for golf and spend a little bit more and
get other things.
>> Yeah. Yeah, I used I used I used a $300
gift card that your sister gave me.
>> And you spent more than that?
>> Yeah, by $90 for two for two clubs.
>> It's all me though. And you didn't go
buy these new pants?
>> Not these pants?
>> Oh, well, you bought
>> I had these for over a year.
>> But it's all me.
>> It's all her.
>> Yeah, I see how the conversation's going
in this household now. So, you just kind
of like uh blow up.
>> Okay.
>> Yeah.
>> But rightfully so. You're sitting here
telling me I'm the You're You're sitting
here telling me I'm the problem. That
I'm the one who spends all this money on
clothes and all of this money on random
[ __ ] I have
>> what? Four four outfits in the last I
don't know 6 months, four months.
>> I mean, Kelly told Lindsay that she
holds grudges against you and I feel
like I'm seeing them now.
>> What are these grudges? Like cuz if that
continues consistently, that's not
necessarily healthy at all.
>> Continuous behavior that's never
changed.
>> What's the grudges though? It's grudges
against money. It's him telling me that
I shouldn't go do stuff and then blaming
me for our financial mishaps when he
also spends money on random [ __ ] $25
every other night at the gas station on
gas station food. You love to cook so
much. Cook your lunch and take it to
work.
>> I mean, when I have the kids and I have
to keep them quiet, it makes it
difficult to make those meals during the
day.
>> What are we talking about? You can meal
prep a couple times a week
>> and you can open the back door, can go,
"Oh, can we bleep?"
>> Yeah. All All their names are bleeped,
>> but um he can go outside and play. The
other one can sit in a high chair and
watch you work. He loves to watch you do
things. And then our oldest goes
upstairs and plays and does whatever she
wants to do or she hangs out with me 98%
of the time. So, I'm very confused.
>> Yeah. But then the second one of them,
let's say the middle child comes back
inside and he starts making noise
because he's a rambunctious almost
2-year-old. The second he makes a sound,
it's blowing up my phone. I'm on a call.
I'm on a call.
>> If I'm on a call, I'm on a call. That's
a serious thing. I have to work. If you
want, I can quit my job and our $96,000
additional income can go out the window.
>> Obviously, that's not what I want.
>> Okay.
>> But when I'm getting those Exactly. I'm
recognizing that your work is important
and that you have to be on those calls.
But when I'm getting those those
messages the second I'm trying to do
something.
>> Am I on a call 7 days a week, 24 hours a
day?
>> I mean, obviously not.
>> I know. I schedule my stuff for two
specific days a week that are my calls
are my days are filled with calls back
toback. And 90% of those calls I'm on
mute. You can come park one with me,
park one with my sister, and you can
meal prep. You can cook dinner for the
afternoon or evening. You can put stuff
in a crock pot. Hey, that takes so much
off my mental load and so much off my
plate.
>> Okay.
>> Wait, the sister lives with you guys.
The sister that you said could help.
>> Mhm.
>> But she doesn't actually help that much.
We're figuring out.
>> Well, but via request or she's just not
stepping up. Is she asked to help and
she doesn't?
>> Um, sometimes yes, sometimes no.
>> Is she renting from you guys or is it
like a temporary?
>> So, the the agreement was that she was
going to move in with us. uh where we
live was going to be a better place for
her than where she was living with their
parents. And instead of paying rent, she
was going to help out with the kids and
>> help clean and help clean.
>> So, she's supposed to be stepping up a
little more than you for the kids.
>> She also has a full-time job in which
she works Tuesday through Saturday,
>> but she's not paying rent.
>> No,
>> then make her pay rent.
>> Okay. Well, right.
>> Like she she has to pay in one way help
with the kids or rent,
>> right? So if if she's not helping out in
the originally agreed upon way, it's got
to be financially,
>> which he never goes and asks her for
help. So it's hard for her to just offer
it if you're not going to. And circling
back, I we had both asked him, "Put the
kids with one of us if you need help or
whatever." And then he just didn't. And
then toddler coloring on the couch,
>> right? And then even even though she
offers to help sometimes, I still in
deep in my heart, these are my children.
They're my responsibility.
>> Your responsibility.
>> So I I have a little bit of trouble
pushing the burden of my own children
off on someone who
>> But that's literally why she's there.
>> I think this is kind of toxic, guys. I
think it's it's gotten to such a toxic
point and it's going to take a big lift
to pull it out. just toxicity with the
sister, toxicity with teacher. She even
said just like she doesn't even like
getting gifts from you because it feels
like there's always strings attached.
Like what the if we can't even give
gifts at this point.
>> Yeah. I
>> Where is this relationship?
>> I don't understand.
>> Someone someone educate me on that that
topic please.
>> We had a fight on my birthday so we did
not celebrate my birthday and then 2 or
3 days later he takes me to get a locket
that I have been I have been wanting a
locket for a while. It's one of the
things I've consistently gone back to.
I've I wanted a locket. Um so 2 or 3
days later after I said fight, after I
questioned, is that what we're doing for
my birthday? We're just going to fight
and then do nothing. Then he gets the
locket. Um I had mentioned, I don't
know, in a few a few times over the
years that having nice underwear is a
good thing, but then he buys it after
fights or for whatever reason and
phrases it like, well, I mean, it's for
me too.
It's no longer a gift if you're getting
it for yourself and the obligation is
for me to
>> that's strings attached.
I don't know. And as far as the birthday
thing goes, we had a plan for her
birthday. My parents offered to watch
all of our children so that we could go
have a nice dinner for her birthday. And
I don't remember what caused what
>> something for our home that would
improve it. That way we could improve
equity whenever we sell. And instead of
spending $300 on a steak dinner at Basta
that we should go get stuff to make a
patio.
>> Yeah, that's right.
>> And then we had something else.
>> Yep. So instead of instead of going to
dinner, she made the decision and I
verified this several times with her,
>> which is fine. Then we were no longer
going to do the dinner. Instead, we were
going to allocate that money into
supplies to build a patio. And then who
knows what we thought about that day.
She said, "Screw it. We're done. We're
not We're not building this patio.
And then
we didn't And then we didn't do anything
on her birthday. Okay. I don't guys,
this is just what the Everything's so a
villain fight. Horrible. But he did tell
Lindsay something before you were
supposed to come on. He said he hasn't
had the stomach or the will to say it.
You remember what that was?
>> Mm- No.
>> Oh no. Now you conveniently forget.
>> I don't remember.
>> Brother,
>> I've slept since then.
>> He has an out plan.
>> I have an out plan.
>> Buddy, these are your own words, man.
Though you're not there yet,
and he hasn't said it to her, but he
could walk away if they don't get their
finances in order. Not there yet.
but is waiting for the right
conversation that would give him the
leeway to say it.
>> Well, we've had tons of those
conversations.
>> What?
>> We I've had tons of conversations where
I said, "This is not where I want to be
in 5 years. I don't want to be here
financially or like relationship wise,
marriage-wise. I don't want to be in a
relationship where we're fighting
constantly where I'm doing 90% of the
household work and child raising after
birthing them and feeding them. I don't
want to do this if you're not going to
be a partic like if you're not going to
be an active parent.
>> So both of you were getting
>> we had those conversations.
>> How freaking like
>> I don't have an out. I don't have like a
backup plan. I'm not trying to have
>> How many times have you talked about
your plan for if you leave me?
>> If we if I leave you, I'm living alone
and the kids will go to you for a week
and back and forth. That is that is
literally the plan. That's called
divorce.
>> Why? How frequently is this brought up,
guys? I need the rat.
>> She has had several conversations about,
you know, or several conversations about
leaving me. The idea of leaving me. It's
not something that is in my head is the
the topic.
>> But you have an out.
>> But you have an out. Yeah, you're
talking.
>> So, it clearly is in your head.
>> You can't say one thing and then act
like another and say that it's not there
when it is.
>> Not to Lindsay, but one of our
pre-producers before hers is where the
message is coming from. I mean, I I I
hate to sound like I'm backtracking, but
I I truly feel like that is a
misunderstanding of the words that I
said to her.
>> I really do.
>> Before she was supposed to come on.
>> Mhm.
>> Um
>> how close have you gotten to leaving?
>> Um
>> I know one of you have left before and
then the kid.
>> Yeah, pretty pretty close.
>> When?
>> Um a few a few years ago.
>> It just
>> we were living with his parents. He
refuses to say anything. Well, we had we
had just left and we moved down here and
then we had to find jobs. So, we stay
with his parents and he refuses.
God, I could not tell you why to stand
up and say anything to his parents.
Like, his dad will not turn on the air
conditioner upstairs and that's where we
were living and he will go up there and
turn up to like 80 82 degrees in the
middle of summer, but then leave all the
doors open and heat rises in a two-story
home. Um, so it would be 98 degrees up
there and it would take like all night
to cool down and he would just never say
anything and never defend me or our kids
or anything.
>> You almost laughed.
>> Yeah.
>> So I didn't stand up to him at that time
because
his only request was to stop keeping it
at 69°
>> which it wasn't. It was at 7
>> all day every single day. So when it
wasn't so
>> it was at 75 and it's hard not to keep
it at a lower temperature when they
don't even run the downstairs one and
all that heat is rising. So even if it
was set at a at like a set temperature
if they would have turned on their
downstairs one hey we just had this
conversation about HVAC's and how if you
turn them off it makes them work harder
and your energy bills increase because
you're running more power to get them
back to a normal temperature. That's
what continued to happen because you
never stepped up and said anything.
>> Be honest here, guys. Has anyone ever
looked for apartments? Just on the DL.
Just Just looking to look.
>> He told me to and I did.
>> Oh, you told her to?
>> We had a big issue
>> around that time. We were going
>> What the Look, we we were going through
a serious very serious rough spot in our
relationship. And at that time, I wasn't
sure if I was willing to stay in the
relationship
>> with the dad thing.
>> That was it.
>> There there were other things going on.
Uh, one of those things is on it's on
our list that I don't want to bring up.
>> Okay. I don't think I know it, but
>> but no, because of what was going on
there, I wasn't sure if we were going to
continue in our relationship. I
suggested that she start looking for an
apartment and she looked for a little
bit and ultimately we decided that we
were just going to stay in our
relationship. we were going to try to
work through it. And for that issue, we
have
>> Yeah, we have. We have for that. But
that's like the only time where we have
really considered either that's the only
time I've really considered leaving. Um,
and then I mean there's like the little
petty squables where we talk about it
and I tell him, I don't want to do this.
if this is what our life is going to be
like. I don't I I don't want to feel
like a freaking brood mayor where I just
get bread all the time and then I it's
my responsibility to have a job and
clean the entire house and take care of
all of the kids. That's a lot for one
person.
>> What the
>> That's literally what I feel.
>> I don't want you I don't want you to
feel like you are just a brood mayor and
I'm the stud that keeps putting kids in
you. But I mean when I when I'm on 2
hours of sleep after being awake for 48
hours
>> which I agree with that part another
week work 25 hours
>> right but so after that 25 hours of or
24 hours of work there's times where
I've worked or been awake for 48 to 50
plus hours through those days of work
and now I'm responsible for these
children
>> your children.
>> Yes. Yes. They are they are my children.
Absolutely. And I have to do something
and keep them entertained and keep them
quiet enough for her to work.
>> Do you guys totally trust each other?
>> I don't trust him with our kids. No,
>> that's not
the greatest thing to hear from our
wife.
>> I've told him that before that I do not
trust his capabilities and taking care
of our children.
>> He can't stay awake. He I had to go wake
him up last night to put our our middle
child down cuz he fell asleep putting
him to bed so that way he would get up
and take a shower.
>> Diet. What are you doing? You're fat.
I'm fat, too. But like I'm not like
responsible for people's lives and
children. So if you can't stay awake or
having issues,
>> right? Well, I typically have to rely on
caffeine to keep me awake because
>> Right. Why not get healthier?
>> I I've tried. It's It's a
>> tried.
>> I've I've tried. I've tried.
>> I've I've been thinner in the past. I'm
just about at the biggest I've ever been
right now.
>> Oh, that's not good. No [ __ ] You're
falling asleep.
>> Yeah.
>> Fatty.
>> What the Why aren't you eating less or
just better?
>> Better. I definitely need to be better.
I do work out. I take I I do.
>> He does.
>> I take There's a few
>> I take the boys to the gym with me.
>> You can't outwork a bad diet, right?
That's my issue. I'm relatively active
sometimes.
>> We've been playing Russ recently. Now
I'm not. RIP. Worth it.
>> I don't I like just eat better, dude.
>> I know. I I
>> Are you the donut and coffee guy?
>> No. No. Not the donut. I really I really
try to stay away from donuts.
>> The coffee is okay.
>> But I I Coffee is a Coffee is a problem.
>> What? What? What? What's wrong with
coffee?
>> It's a problem for me. I'm
>> Why?
>> Because I I need it. I'm addicted.
>> Well, yeah, but like caffeine is one of
those like
>> addictions where it's like not even like
an addiction.
>> It's like upside. No, it is an
addiction. This is like upside though.
>> Yeah. Unless you're just like, "What are
you down?" Like,
>> it could be. Can we
>> What the [ __ ] are you on about?
>> I'm just saying like if we're talking
about addictions, at least he's addicted
to caffeine. And I
>> That's true.
>> Okay. Here's Gamer Subs. Just like you
make your coffee at home, make your
energy drinks at home. It's delicious.
40 cents a serving when you use my 10%
discount code, Caleb. Link in the
description below. Get your free samples
as well so you can figure out what
flavor you like and then you can order
your gamer subs. And then, you know, 40
cents a serving. So, there you go. that
should help but I mean out you can't out
eventually you have a baseline then you
have to just continuously up caffeine so
just like anything else right that's the
issue there if you're always chasing it
then you can get to a dangerous amount
>> um which for larger people fatties is
not necessarily best for the heart what
are you eating man cuz if you're falling
asleep I'm concerned I'm concerned like
your health must not be the best
>> so I mean I kind of just eat what's
what's already available like when I'm
at home. Really, when I'm at home,
that's when I'm eating at my worst
because we're not we're not always
taking the time to prepare meals. We
don't always have good stuff for making,
you know, lunches and, you know, I I
just kind of eat whatever I can.
>> We do have all the stuff to cook,
though. I spend $1,000 a month on
grocery and I build out menus, so we do
have stuff in there to cook. The issue
is that what he's saying we don't have
food is we don't have easily ready food.
>> Meal prepping and THEN YOU HAVE TO cook
it.
>> Meal prep a couple times a week, guys.
What the [ __ ] are we doing? I love meal
prepping. It makes it so much easier.
>> Why don't you
>> I just I just struggle to actually make
the time to
>> 25 hours of the week.
>> Huh?
>> Yeah. 2 weeks and free stuff. We didn't
have a 56 hour.
>> Not going into detail, but is there ever
a situation where you might be required
to run?
>> Absolutely.
>> Okay,
>> buddy.
>> I'm faster than I look, brother.
>> No, I don't think you have any idea how
fast I really am.
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This is the best membership you'll ever
join, and that's a promise. You suck
with money, so you download a budgeting
app. You start with the classic one,
WAB, but everyone just deletes it
because it's way too complicated to use.
So, you go to every dollar. That's Dave
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Well, they're going to force you to use
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>> You and me.
>> You and me have the sprints, but we
don't have the distance.
>> There is no stamina.
>> It's the distance.
>> No, no, no. You know, I've got stamina.
>> Distance buddy. Distance, buddy. Okay.
What? You have a 30 second pump and
dump. Good for you.
>> Sometimes.
>> Listen, the thing is us fatties,
everyone's shocked how quick I can go.
But it's not for a long distance. And
that might be necessary,
right? Yeah. But if you're falling
asleep, come on. If you're falling
asleep, come on.
All right. What do we think our
household financial score is all
combined?
>> One.
>> Well, I think two, two and a half,
three.
>> Okay. If you watch your Hamburg
financial score, figure it out. Take the
assessment. Take that assessment for
free at calehammer.com. Just takes a few
minutes and you can see where you stand
in the world of money, where you're
doing poorly, where you're doing great,
what you need to do to become better.
Usually what most people need to do is
use a budgeting app. And we've made one
for the people on this show and for you
and for me. It's called Dollarise. Take
the free trial. It comes with the 30-day
budget meal plan and the digital version
of the cookbook for those who sign up
for the annual version, which also saves
like 50% on the subscription, by the
way. But take the free trial, see if you
like it. I'll sign that and I'll mail
directly to you. So there you go. No
more excuses. Use it. There's recipes.
It's easy. It's simple. It's budget
friendly. No more excuses, guys. Again,
minimum minimum 2,000 on [ __ ] last
month. Likely upwards of like 3 or
4,000.
What hits our account on a monthly
basis? I didn't get that. I know your
guys' gross income is large, but so my
checks come in every two weeks at
Oh, what is it? 30 just about 3,100.
>> Okay. And then you
>> I get 56 a month.
>> Yeah. hers come in at about 2855.
>> Okay, so 11,800 now. Like you guys are
killing it. It's so upsetting. And the
it's always the people who are like
killing it on the income scale that get
even worse on the finance scale cuz you
get access to more tools that'll destroy
you cuz you are not credit card people.
>> Yeah,
>> you're not. WANT PROOF OF IT?
Quicksilver one. Who's is this? Are we
all on cards together? Buddy, what are
you doing? I thought she was the
problem.
>> Huh? She Huh?
>> Yeah. What are you talking about? This
is a big problem right here.
>> Mhm.
>> You know what happened on this card?
>> I I don't know. Is that the one I
wanted? Cuz I know you have two.
>> Yeah, that's the one that you're an
authorized user on.
>> Maybe you are making problems almost 2
years.
>> Is that true?
>> Uh
>> my card is locked. I haven't used it. I
went to go get gas and I was like, "Hey,
I don't have the debit card with me and
I'm at a gas station that doesn't do tap
pay. Can I use this?" And he didn't
respond quick enough. So, I left and
went somewhere else with Tap Pay, but
the card is locked. But I haven't used
it in well over a year.
>> Card is locked.
>> Yeah, cuz I'm not I'm on the account.
>> You're locked.
>> My card is locked.
>> My card. You're locked.
>> Well, I'm I'm on the account. I don't
have access to it. I can't even see like
the balances on it.
>> What? Why? I I just made her an
authorized user and the I mean the app
has always been on my
>> access to the account.
>> I don't know. You've got you've got a
Capital One card of your own, too. So,
take that up with them.
>> But you can't see it.
Okay, how can we say she's the problem
when you had a balance? He had a balance
of $927. Okay, that's large. It acrews
interest, whatever. With your income,
you can kind of pay it off. But he made
the minimum payment of $35 only.
>> Mhm.
>> Nothing else. No progress. Avalanche.
Avalanche. And then he spent $2,000.
>> Mhm.
>> Why the did you put $35 to it if you're
going to spend $2,000
acrewing interest? $57.66.
New balance $2,9001.
minimum monthly payment $87.
Uh your kid, oldest kid will be not only
out of high school but will also be out
of college and also a couple years into
his career
because this takes 17 years to pay off
minimum payments only with no additional
purchases which you're incapable of. So
what the is the problem? That doesn't
look like problem to me or her. That
looks like you. What are you talking
about? HUH? WHAT ARE YOU TALKING ABOUT?
Rack attack.
>> Yeah, we bought a uh car rooftop cargo
system to go a credit card. You could
afford it, but why not put it on? You
can't pay off this credit card. You're
not paying off this credit card. You
only put the minimum towards it. Why not
put it on the debit card? Duh.
>> Because we didn't have $1,800.
>> Did you get the rooftop thing?
>> We needed it.
>> Why did you need it? We were going to
die.
>> Well, obviously we weren't going to die.
>> Well, then why'd you need it?
>> So, we were taking a road trip to see
her parents.
>> Okay. Didn't need it then.
>> We've got her We've got her SUV that is
loaded down with children plus the
kennel and a dog in the back.
>> Didn't need.
>> And then we didn't have any room for our
stuff. You didn't need to go on the road
trip to survive.
What the are we doing?
>> I think it's important to see family.
>> I think it is as well. It sounds like
they can afford to come down. My my I
won't let them stay with me.
>> What?
>> They they smoke and I don't like them
smoking around my children and they
>> a couple days at a hotel's cheaper than
this cuz you spent almost $2,000
>> and they refuse to stay in a hotel. They
refuse to get an Airbnb.
>> They they only will stay at my house. Um
>> and you won't allow that?
>> I won't allow that.
>> What the is wrong with these people?
What is wrong with you people? What the
is happening?
>> Well, I've made very clear rules. Don't
smoke around my kids. I don't care.
>> Yeah, that's fair. Why can't they stay
at a hotel or Airbnb to But why can't
they just not smoke?
>> Okay. Well, they're addicted to it. I
would also agree, but
>> nicotine patches exist.
>> Okay. Insens and all that good stuff.
Yes. Yes. Yes. Yes. Yes. I agree. But
also, why can't they stay at an area?
>> Because my mother is worse with her
finances than I am.
>> What do you think?
>> I agree. It's important to go. You
didn't necessarily have to. And even if
still, there may have been cheaper
solutions.
>> 2,000 bucks there. 2,000.
>> Something that we're going to continue
using.
>> Sure. And you know what else you'll
continue doing? Paying interest on it.
cuz you don't do more than a minimum
payment. Then you went inside some store
and I think got some like energy drinks
or coffee or something.
>> Yeah, probably.
>> And then Amazon. You did some Amazon.
Okay, let me look at this. Amazon.
>> Amazon, sir.
>> Let me see.
>> I haven't spent on Amazon.
>> So, you do spend on this card. This is
on Amazon. You're not fully locked out.
It says it's attached to the Amazon
account probably.
>> So, let us see here. Ah, iPhone. Okay.
What the is wrong with you? What the is
wrong with you?
>> What do you mean? What? Why do
>> you have 15% battery on your phone?
We listened to stuff on on my
>> plug it into the car. Let it charge.
>> I'm sorry.
>> What are you doing? 15% at before noon.
>> I don't know, man.
>> I didn't charge it last night.
>> What the is wrong with you?
>> I was tired. I was packing up diaper
bags and gathering everything.
>> How much of a disaster someone is to me
if I see them low battery before noon?
Their life's a failure.
>> Okay.
>> Oh, come on. You got to charge your
phone. You know how easy easy it is to
plug it in somewhere?
>> Oh, I did it all on the way up here.
>> Plugged my phone.
>> Oh, at least you have a way to get back,
I guess. So, home master hardware. Okay.
It's like some hinges.
>> Yeah, those are hinges and a door handle
for a screen door for our backpack.
>> Some patches. Lots of kids things. A
remote.
>> Um, those are It's an ice pack.
>> A fake plant. We didn't need that to
survive. A clock. We didn't need to
survive.
>> That's for my office. We didn't pay for
that.
That's for my That's for my office at
work.
>> Office chair. Well, that's good. Yeah.
So, um those work rellated purchases get
ref or reimbured
rug, pillow, all that stuff.
>> Yeah. All of that.
>> Okay. And the two chairs,
>> all of that until you hit the desk.
>> Okay. So, the desk was you.
>> Well, no. Like that is
>> so after that. Yeah. So, the key lock
box.
>> Oh, that's also work.
>> Okay. Well, what the [ __ ] you talking
about then? The trash bin
>> that we we bought a trash can
>> for our home. That's not the worst. I'm
just surprised you didn't have one. We
did.
>> Well, we did, but Well, then what are we
doing? These are the small things we
don't need to do when we're trying to
pay off that. If you already had trash,
then there we go. We're okay,
>> right? But it
>> right. Cookie cutters. Did you need the
rectangle cookie cutters? You can do
this.
>> I did not need those. You're
>> So, these are the little things. Okay.
What the are we doing as a society where
we're getting a preschool graduation
>> because they weren't doing graduation
for her
>> because it's preschool
>> kindergarten and I might be a but I have
graduation photos of myself
passage
>> you want to be like smokers
>> no
>> but it's a right of passage
>> you don't not graduate kindergarten
>> I mean
>> she had how how much was the the cap and
gown
>> I have $1.
>> It was $18. I have one memory from
preschool. Other than that, no one else
has actually no kindergarten. One
memory. Don't arrest me for this. It was
illegal. I broke the law. I gas lit
another kid in a line at the gymnasium
to pull the fire alarm. He never showed
up to school again.
>> You're not the one that pulled the the
fire alarm, so I think you're good.
>> But I definitely did some manipulating
to do it.
>> But it's memory.
>> That's the only memory I have. This
person will not have any other memory
other than when he illegally did
something. You do you start holding
memories from four years old school. Are
they are they p from kindergarten? Are
they pictured memories? Cuz remember a
lot of times vivid memories from
kindergarten.
>> She has a memory like me. She remembers
everything. I kid you not. And he can
attest to that.
>> Yeah. Plus the she was so happy to put
that cap and gown.
>> I'm getting a lot of pictures in the
room.
>> I'm so happy to take those pictures. I
feel like $18 is money well spent.
Remember, a lot of the vivid memories
that we have when we're young children
psychologically are usually like
pictures that we construct into memories
that don't actually fully exist.
>> But it's memories for me.
>> Oh,
>> she's my first baby.
>> Well, if it's for you, then you're being
a selfish [ __ ] cuz you don't have the
money
>> cuz you got the pants as well. You got
some low pow Christian shirts for women.
>> It's just a t-shirt and pants, which to
survive.
>> Okay.
>> Like we're trying to cut back right now.
Dog whistle. That was for training
because he said that our dog is not
training.
>> I'm okay with that one as a minimum.
Meditation candles. Don't need it to
survive. A
>> meditation candle.
>> It's the little candles for Bible study.
Sorry.
>> Well, [ __ ] off. She can study without
candles.
>> Right.
>> I've never had I remember studying
without candles.
>> She can.
>> Slow feeder dog bowl. That might make
sense. Cookbook. Christian cookbook for
beginners. You're paying the premium for
what? What? What is the where what's the
atheist cookbook?
>> It's just a small cookbook and it
>> that you paid a premium cuz it's
Christian.
>> Oh, maybe
>> they marketed it to you and you paid a
premium for it.
>> Okay. We talked about it at my Bible
study group and we all were going to do
stuff and that's why
>> they know you're poor as even though you
make a lot of money.
>> We don't talk about our finances there.
>> Well, that seems like actually something
kind of important to bring up in that
community setting, but that's okay.
Inflect killer spray. That's fine. I
don't think we're getting a What is an
atheist cookbook? Muslim cookbook. I get
it. All of a sudden, you don't get pork
and it gets scary. I understand.
>> Atheist cookbook. I don't know. Would it
be baby hearts?
>> Is that what atheist eat?
>> Maybe. I don't know.
>> I don't think you needed a Christian
cookbook. You paid the premium for it.
Large arched felt bulletin board. They
didn't need it to survive. Like, off
guys. [ __ ] spending. What are we
doing? And I'm sorry I triggered you
with the Muslim cookbook because you
were ranting beforehand how you're
scared that you bought a house in an
area that's being overrun by Muslims.
And yes,
>> I'm not scared. Dallas worth is, you
know,
>> I'm not scared. You know, Frisco.
>> Yeah, we're like borderline
is actually really nice, though. Frisco
is a beautiful city.
>> And it's not that they're It's not that
it's bad. They're they're nice. It's
just that they literally are overtaking
everything. And those I mean, okay,
they're overtaking everything and they
don't have to pay the premium to ask
for, I don't know, to paint their doors
and change stuff in their front lawn
that we do.
>> What do you mean?
>> Our HOA requires you pay a fee.
>> That's your HOA.
>> Yes, but they're all ran by um a whole
family and that whole family lives in
this HOA and they don't require anyone
else to pay it. But then if I put
something in, I tried and I had to pay
that. But I I talked to a lady at school
and she didn't have to pay it to get her
flower beds. I wasn't trying to build
out flower beds, but she built out like
a rock board around her flower bed and
she didn't have to pay for it.
>> She didn't have to pay the the HOA
approval fee, no application fee.
>> No.
>> It's the first thing he ranting to them
that the schools celebrate the public
schools celebrate Muslim holidays
instead of Christian holidays. Correct.
And I don't like it.
>> It's interesting. My daughter came home
and was talking about Ramadan and how we
can celebrate it at home and I said we
don't celebrate that. But that's
wonderful that you learned it.
>> Okay.
>> I learned about Ramadan in school.
>> No, they don't. They did like they did a
holiday party and that was it.
>> Well, I would prefer no religion in
public schools.
>> Separation of church and state. I just
think if you're going to allow one, then
you should allow all.
>> I mean, it's okay to say like this is a
holiday that's happening today. Maybe
get some snacks and treats. No, they
devote like a whole lesson plan to like
Chinese Lunar New Year, Ramadan, all of
that.
>> But not Easter.
>> But not Easter. Not like any any other
like Jewish holiday or Christmas.
Selective.
>> It It is because of who's on the school
board for this school.
>> Yeah, it's a bit selective.
>> Uh do all or do none. I don't know.
>> Yeah.
>> Patland.
>> Yep.
>> Okay. Uh, you immediately just spent
2,600. I don't know what's going on.
>> Uh,
>> what's happened here?
>> That That's the dog. We financed our
dog.
>> You just got the dog.
>> Yep.
>> Are you afraid of them eating it?
>> No,
>> of course not.
>> That's a racist joke for you.
Uh $2,570.
The What is a pet land? This one of
those like
>> pet stores
>> females.
>> Oh, those are those places are bad,
dude. I have heard after the fact that
apparently people have some pretty low
opinions on them. I didn't know about
any of that. So, sorry to the people who
protest pet land.
>> Well, they're just kind of like puppy
mills. Not saying like adopt not shop,
sure, but if like every adopt is like a
pitbull, like I get it. You don't
necessarily need to do that cuz they'll
kill your kids. But besides that, like
puppy mills aren't always the best.
>> Was a a like accredited breeder and they
gave background on horse. Why do you
think they're going to say, "Hey, we're
an unethical business. Please come to us
and spend your money.
>> Okay. Well, either way, you open a
credit card with them.
>> Yeah, it's uh deferred deferred interest
financing on the dog.
>> How many dogs you got?
>> One.
>> Just the one.
>> What'd you get?
>> An Australian Shepherd.
>> I'm sure it's a beautiful dog.
>> It's fine, but it's supporting a
business that isn't necessarily the
best.
>> 24 month. Oh, deferred.
>> Deferred. Yeah,
>> guys.
>> I know. We're only making the minimum
right now.
>> Oh, yeah. 30 bucks. Okay. So, 2570. I'm
guessing you have like uh 23 months
left. 257 uh 23. So, you actually have
to make $112 payments a month or else
this is going to acrue at a 36%.
No, no, no. It is accuring at a 36%
interest. And then that interest will
hit if you don't pay it off and what? 23
months from now.
>> Yep. So, $112 a month now going forward.
Are you hundreds of dollars will hit?
Oh, you don't even like the dog.
>> I really want
>> You're not like a dog.
>> I really want to. What creature are you?
>> He's I I love dogs. I grew up with dogs.
>> What?
>> I want to love him, but right now it is
so hard.
>> He lacks training, but he also won't
train him.
>> Well, yeah, puppies don't come with
training.
>> Well, of course not. But when part of
the agreement of us getting this dog was
saying, I will I will do all the
training. You will do all the training.
Well, why aren't you training them?
>> And I do when I have time. Oh, hey
buddy. No, no, no, no, no, no, no. If
you said, "Well, let's get a dog. I'll
do the training.
>> Lay down. Come and like stay." He knows
all of this.
>> The training that hasn't happened. How
many months old?
>> He's seven.
>> Seven months. He's one month older than
I am.
>> So, you're out of the puppy training.
You're out of the potty training.
>> Yeah. So, training is good. What? And he
listens to command. What are you
complaining about then?
>> He just hyperactive. Sometimes you sit
and lay down. But the problem is when
he's running around the backyard, he
will fur missile into our middle child
and hit him square in the torso. He nip
nips all three of them. I mean, he bit
the toddler on the face the other day
>> in a play way or aggressive way.
>> He thinks he's playing.
>> He thinks he's playing. Yeah. I mean,
yes, more training is going to Yeah, you
might need more professional training on
that, honestly, with kids for what it's
worth. Yeah. I mean, seven monthy old
Australian Shepherd, yes, it's going to
be a bit more wild and you just need
more professional training.
>> That's new to me. I've never had such an
active dog before. I grew up with lap
dogs. I've I've never been around a dog
like this.
>> Yeah, Australians, they're crazy. Yep.
No, it's true. Um, okay. Well, someone
needs to take some responsibility here
and do something and probably do real
training.
>> Real training.
>> Yeah. Maybe paid for, unfortunately.
>> Robin Hood credit card.
>> Mhm. I love my Robin Hood credit card,
but uh you guys have done the opposite
of me.
>> Yeah,
>> I don't have access to that.
>> I'm okay with you guys like at some
point doing some kind of like shortcut
like um like I know you're trying to do
the avalanche. Not really. But if you do
any kind of consolidation or personal
loan, I just want to keep this in the
back of your head. Bankruptcy, but not
until you change your behavior because
we're not changing our behavior. Again,
there's spending on here. We're if we're
we're not changing our behavior. You're
still spending on credit cards that you
are not even or you're just making the
minimum payments. you're not pay paying
off. You done consolidations before?
>> Yes.
>> Okay. See, and that just shows cuz then
you rack it back up. It doesn't work
until you change your behavior. Okay.
>> Mhm.
>> When you're ready. And for people out
there that have changed their behavior,
we do have a good personal loan service
at caleb.com that we just connect you
with good personal loans, the best
personal loans for you. Check that out.
And actually credit cards as well. Those
are for people that are credit card
people like me because I do really well
with the Robin Hood app. So, I use our
credit card finder service. You guys
can't the personal loan. Maybe someday
for consolidation. It's good for them,
but not for you. Change your behavior
first because again on here you spent
$712 even though it's maxed out. WHY?
Who's Robin Hood card?
>> It's mine.
>> Of course. I thought she was the
problem. $4,685.73.
$168
is the minimum. 20 years to pay off
minimum with no purchases. 20.
Yeah. YouTube TV, which is fine. Again,
it's fine, especially at your income
level. I'll give you a large
subscription fund. It's okay. Okay. It
comes with all the NFL [ __ ] Yeah.
YouTube TV is good.
>> That's the only reason I got it.
>> You're putting on a credit card that you
can't pay off though, so it doesn't make
sense for you. Storage King, you guys
have a big storage unit.
>> Yes, we do.
>> Lifetime. You can't afford lifetime.
>> It is. Listen, Lifetime's great. I also
have that. You don't need it.
>> I I need it.
>> Not Lifetime, though.
>> I need Lifetime.
>> Why?
>> So, Lifetime has the only Lifetime is
the only gym in our area that has um
>> childare
>> child care for more than just the
morning. And I can't always go in the
morning.
>> [ __ ]
Okay. Well, don't put it on a credit
card. You're paying 550 a month.
>> Yeah, it's even more.
>> Good death.
Good death, man. But look, the dude
lifetime
I will not give it up. It's not It's not
>> You have to budget it in.
>> I do budget it in the the
>> You're spending more money than you do.
>> Yeah. The balance that's on there that's
from before we even got the lifetime
membership. But
>> so it was already at a high balance.
>> So you're making it worse. You're just
getting you're maintaining it.
>> Yeah. But I'm I'm yourself.
>> I'm paying more than the lifetime plus
minimum payment every month.
>> Barely. It's moved down like a couple
bucks even though you're still spending
money. That money, that $700 that you
spent could have been $700 that went
towards the card and brought it down to
uh below $4,000. So, go [ __ ] yourself.
What are you talking about?
>> I don't care what you say. I'm not
giving up that membership. I
>> I'm not necessarily saying you have to,
but it's going on a credit card.
>> You just said I can't afford it.
>> Not in this context. Not on a credit
card that is accuring interest. If we
can put it on a debit card, maybe we can
figure it out. But you got to cut things
somewhere. I give everyone a gym
membership on the show. lifetime. A bit
excessive potentially for your
situation, but we'll figure it out in
the end.
>> All right. Well,
>> who's the American Express Gold card?
>> That'd be mine.
>> Oh, buddy.
>> So, that's that's a card that I got
specifically uh for both of us to use,
even though it's only one card that's in
my name.
>> Okay. Well, this one it looks like you
actually pay off.
>> Yes. Yeah. That one has been used for
only groceries and eating out.
>> OKAY. EATING OUT IS [ __ ] BUDDY. I I
AGREE, but it's something that we're
struggling to escape.
>> So, oh, are you guys adults or not? Shut
the up. What do you mean you have kids?
Shut up.
>> Yeah. So, it goes on that and it's been
getting paid off every month.
>> Yeah. Yeah. And I can give you the high
five for paying it off every month. But
guess what? The money you're having to
use to pay it off every month that is
going towards paying off your eating out
could be money that is going towards the
three credit cards that that came before
this that are not being paid off. So, if
you spend you know what what did you
spend on this? You spent like 2,000 on
this card, right? Across the multiple
things and you paid it off. Great. Say
a,000 of it is eating out. That means
that's a,000 of it that you could put
towards the Robin Hood card and bring it
to below 3,000
combined with the spending you did on
the Robin Hood card. So, it doesn't
matter. Like, yes, this is paid off.
Congratulations. First card of the four
cards we looked at that has paid off,
but it is still money being spent that
could go towards things to improve your
life and actually avalanche like you
like to. You're not avalanche. You've
never heard of avalanche in your life.
>> I mean, obviously, I've heard of it. I
wouldn't have brought it up if I had.
>> You don't know what it is, though. If
you're not doing it, you're uber eating.
Uber eating
>> that that would be
>> calories [ __ ] Domino's.
>> I disagree with Uber eating.
>> What? Okay. He does.
>> Well, you should. Yeah, it's it's a
premium. It's like an extra I looked at
the statistics yesterday. It's like an
extra 90% sir charge. Yeah, I believe it
>> 100%. And I I don't disagree, but
working 8 hours a day, having kids and
school, and then he is going to go to
work at 5. He wakes up at 4:30. He takes
like an afternoon nap
>> and the sister needs to step in in some
kind of way in some kind of way. You
need to step up in some kind of way. And
also meal prep. If we're cooking a few
times a week, you can warm things up.
It's easy.
>> True. So,
>> and I do I do I do sometimes like I'll
make a big I'll make a big meal and
we'll save it and we'll have it like for
leftovers or whatever. But when you're
like the primary cooker
in your house.
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And remember, you still got to do the
work. Listen, I don't know if she I'll
get your sister a course careers cuz you
guys are doing great on your income.
Sounds like she needs to figure her [ __ ]
out. I'll get her course career
certification and I'll get her on Helium
as well for a cheaper phone plan. But I
don't know, like she needs to step up
and help. Domino's, Waterburger,
Starbucks. [ __ ]
Exquisite Cafe. Morning Donut. Cheeky
Monkeys. Cheeky Monkeys. So much
[ __ ] Chick-fil-A.
The cheeky monkey was a birthday. Black
Rock coffee Uber Eat 65 bucks in that
one.
>> It's [ __ ]
>> SO, YES, PAID OFF, but could instead go
towards actually helping to pay off one
of your bad debts.
Oh, one main financial. What is this?
>> Yep. So, this is a consolidation loan
that I took out a few years ago. Uh
because we were and this is before most
of these credit cards that we've gone
over even existed, but we we had gotten
stuff or all of our cards maxed out. I
didn't
>> all of his cards maxed out and this is
before we were started looking for a
home and it's the reason why we couldn't
buy a home sooner than we did.
>> So you guys are renting right now?
>> No, we bought a home but so this was
like 2 years ago but we lived in an
apartment for a year and then my job
gives really
>> Did he take it out behind your back?
Yeah, he took it out and didn't tell me
about it.
>> And I had been planning and we'd been
talking about buying a home and my
>> [ __ ] she can't trust you.
>> My job gives really great bonuses that
we could have used toward a down payment
to lower our rent and then he did this
which up our debt to income and we
couldn't buy a house.
>> Yeah. Yeah, I was wait for another I um
>> I was trying to control take take
control of all the finances without, you
know, having the mature conversation of
explaining that we're in a bad spot and
I just did that. I thought I could
>> What's the point of the personal loan
anyway? The interest rate is practically
a credit card at 24.21%
interest right?
>> It was still better than the rates that
I had
>> and at least I don't know. Okay. Uh you
can usually declare some kind of
hardship with many credit cards and
they'll get you on like a 1% interest
loan,
>> but then you have to close out the
credit card. Yes.
>> What's the point of the personal? What
was the consolidation without closing?
You're just going to end up in the same
situation which you did. So if
>> Okay. So $47787.
>> Mhm. a month and you owe $10,1181
with an insane interest rate.
>> Yeah.
>> Okay. And I'm also being told there was
another loan that he didn't send in.
What the what?
>> So, we have an upstart loan that I
originally took out to pay for our
daughter's dental care because he failed
to put her on his dental plan and she
never had dental care and then she had
cavities and that was $10,000. So, I had
to take out a loan to assist in the
payment of that because he failed to put
her on insurance.
>> Why aren't you putting your kids on your
insurance dude?
>> He was lazy and procrastinated.
>> I have since then it was
>> Well, since then after the consequences.
>> Yeah. No, I I recognized where I where I
messed up in that situation,
>> but you know, obviously her dental
health is important and she need there
was work that she needed to get done. I
felt like if we waited the two months
for her to actually be on the insurance
plan and then schedule everything, it
would have been okay. But instead, we
just
>> pushed through and took care of it.
>> That he didn't have her on insurance. I
got independent insurance for her. But
they told us to wait 60 days before any
actual care could be done aside from
like cleanings.
>> He wanted to get it done ASAP.
>> It wasn't a
root canal emergency.
She she had she had several cavities and
needed crowns.
>> Yeah.
>> Although which age one?
>> The oldest. So she was she was five at
the time.
>> That's like her baby teeth, right?
>> Yes. But then if you don't take care of
them, it Well, okay. If you don't take
care of those teeth and it burrows down
into the teeth that come up and it like
you up for the rest of your life.
>> Okay. So,
>> and the dentist said you couldn't wake
>> those. I was at work so he took her.
>> Oh, you just went. You just did.
>> Yeah. I I took her and
>> I I felt pressured to get it done right
then and there from Cali instead of
waiting
>> two months for her to actually have
insurance coverage that's necessary for
her to not get those anymore.
>> Yes. Earlier to get such intense dental
work right?
>> Yes. But I was also the only one who was
brushing her teeth and I would do it day
and night.
>> She's brushing her own teeth now. I
don't she's old enough to do it now as
long just as long as she's
>> Okay. What's the balance and upstart?
Uh,
>> it's like 5600 because whenever I get
bonuses,
>> what's the minimum monthly payment?
>> It's I think like 112.
>> What's the interest?
>> 32%.
>> What the?
>> It was what I could get at the time.
>> Okay. Wells Fargo credit card. What's
this?
>> So that's mine. Uh,
>> what? What? Have they not been yours
yet?
>> Everything is Everything that you have
is mine, but the spending
>> I gave you all of my stuff.
>> Okay. Well, I didn't send it in. Sorry.
What the?
>> So there's It's even worse. It's even
more. So
>> I have like three credit cards. They're
not bad,
>> but they're not with like high limits
like his are. His are matter. They're
still balances. You dumb tit.
>> You're right. The the reason she The
reason I didn't send them in is because
uh that Upstar loan that I've got was uh
it consolidated her stuff. So it's in
>> But she still has balances on her credit
cards right?
>> I have recurring stuff that pays off
every month. So I
>> pay it off every month. They're
balances. You don't like I still want to
know your spending.
>> Oh, it's like Apple Music.
>> Be prepared to pull those up. I want to
see the spending. Either way, 5,336.16.
Minimum to payment $123.72.
>> Interest is acrewing. So, it's
temporarily at 1%.
>> Right. Yeah. So, that that account that
account is closed.
>> Ah, so you did the hardship thing that I
talked about.
>> I didn't know that that's what I was
signing up with them to do. I was just
>> What's wrong with closing your accounts?
You you already have a house.
>> There's nothing wrong with it. I didn't
know that I could close it and take out
or get this hardship situation with them
to have a minuscule interest rate on
what's left. I didn't know that that was
an option, but I found it by accident.
>> Are you paying on that?
>> Yeah.
>> I didn't know that.
>> What?
>> That he was paying on the Wells Fargo
one.
>> Well, he has a minimum.
>> Yeah, just the just the minimum every
month.
>> Um, I think now would be a really great
time to tell you that he also opened up
a new credit card with USAA.
>> Myself.
>> Yeah. Well, since Okay. Yeah, since we
just got it in the mail.
>> Why, dude? What is your addiction here?
This is insane.
>> So, a lot of those other ones I fell I
fell into the trap of points chasing. I
I didn't do it I didn't do the process
correctly and that's how
>> what like interest is acrewing and that
completely negates any kind of points
you'd ever get.
>> Yes. Precisely.
>> Okay. So,
>> so and then you applied to financial
audit, submitted your documents and then
got a new credit card. Like you already
know you're
>> Yeah, I know,
>> brother. So this hind card so he
couldn't activate it.
>> Even on here it says [ __ ] spending.
Rosa's cafe and tortilla going inside
getting some energy drinks. More
Petland. What the? You made your pet
petland down payment maybe on here.
>> So that's a separate financing deal. It
charges over uh it charges over 12
months a uh a set balance.
>> Chip donuts. Chip donuts. And I'll be
honest,
>> girl had her friends in town. I was
like, you know, let's give them a little
Texas love. Gosh [ __ ] please. I used to
think they were incredible. There some
Those were the worst donuts I've ever
had in my life.
>> It's got to be a fresh glaze. It's the
only way it's good.
>> And they're [ __ ] They're just They're
like bread. This is bread. It's not
donuts. They're like They're actually
like a loaf of bread that's slightly
glazed. They're [ __ ] man. That is
>> I know. I know there's better donuts out
there. That's
>> Yeah. Round donuts. Crispy cream. Donuts
ever.
Even Duncan. Tim Horn.
>> Absolutely. Duncan is trash.
>> It's not good. You're right. It's not
good. But it's better than Shipley.
Shipley's not a donut, dude.
>> Why are we arguing over Shiplan?
>> Donut. We are donut connoisseurs.
>> We are fat. Except
>> and he's got a bad opinion about it's
not a bad They're not donuts. You're
right. Dunkin is [ __ ] But at least
they're donuts. You were talking about a
loaf of bread that gets a little glaze
on it. It's horrible. It's literally it
is the Congratulations. They're
horrible. Everyone I saw everyone shake
their head yes when I said that cuz
they're [ __ ] donuts. You're a bad fat.
>> Okay.
>> I don't want to be fat. So I guess it's
a good thing that I'm a bad fat. Oh,
you're only getting fatter and it's on
shitty food.
>> Yeah, it's cuz I'm damn good at getting
fat.
>> You're damn good at eating the worst
donuts.
>> If you're going to be in public safety,
at least get the good donuts.
>> Well, I don't get donuts while I'm
working.
>> He gets them after for the kids. We do
like a little donut sundae which has
>> crispy.
>> Well, yeah. Honestly, we don't really
>> I love crispy cream. There's not one on
the way home.
>> What the?
>> It's too out of the way.
>> Okay. Saver card. Who?
>> Also mine.
>> $97242.
I can never get Shipley. It's
horrendous. What?
>> The worst [ __ ] I've ever had. The the
friends were so disappointed and
everyone was so disappoint. They were so
they were just so bad. They were so bad.
Got the glaze. Got the filled. got the
uh strawberry sprinkles. We got
everything and it was all [ __ ]
Barbarian filled. Horrible. Horrible.
Horrible.
>> I don't disagree.
>> Then I got one and then I ate one the
next day and it gave me diarrhea farts
all day. It was horrible. $97242
cents on here. Interest being acred. No
purchases, but you're only making the
minimum payment cuz we're avalanching.
I.e. spending on the credit cards that
we're putting more towards. Stupid
stupid ass. 7 years to pay off. Interest
is being acrewing like crazy. Yeah.
Okay. Venmo credit card. [ __ ] me. What a
balance. And a Venmo credit card takes
eight years to pay off. 2,784.
Ridiculous. You'll have experienced two
more preschool graduations
by the time this has paid off.
>> But they're all going to use the same.
>> Yeah. They better cuz that's the most
pointless waste of society thing. Our
quality of education is going down
everywhere in this country. Everyone's
becoming more and you're giving them a
celebration for preschool.
>> Yeah.
>> [ __ ] off. Kindergarten, whatever. Same
thing. Same [ __ ] to me.
>> $69 monthly payment. Eight years to pay
off. And oh, you're no interest.
Interest is being accured. Brutal. Of 50
bucks practically after a $70 payment.
$277.84.
Auto. We have a car.
>> That's my car.
>> What is it? It's a 2024 Volkswagen Atlas
Seek.
>> Okay. Well, you owe $38,000
$385.74
with a minimum monthly payment of $754.
Now, that's that highinccome [ __ ]
That's where people themselves. I got
death threats on Twitter yesterday after
Dexto posted a clip of me saying we
spent too much on cars. Here's an
example. They make so much money then
they get $800 minimum payment on their
car that they don't need. You know how
much it was worth for your $40,000 loan?
>> So I
>> What's it worth?
>> It's worth a lot to me.
>> Okay. $28,000. You
>> Okay. Well, I yourself I'm going to
drive the wheels off it. But also the
car is what everyone says.
>> Well, I don't have any plans to upgrade.
>> We What are you a little Nazi? What do
you mean? What?
>> I just like my car. We upgraded because
all three car seats would not fit in my
previous car.
>> Don't care. You owe a lot of money on
this car.
>> What am I supposed to do? drag the other
kid behind me with a chain.
>> There's other cars that exist that can
fit it that are not $40,000 at an $800 a
month payment. I What name it off the
top of my head? A used Volkswagen.
>> Ours was No, it was new. But we got a
better deal on it. You on a
>> Shut the up. You didn't get a good deal.
You're underwater by $10,000. What's the
interest rate on it?
>> Seven and change.
>> Go off. So, it's barely even competing
with the marketplace if your money's in
there and then you got depreciating. You
already lost 10.
You'll lose more as it goes. Me so
stupid. What is this then? A lease?
>> Yeah,
>> you have a lease. What's your lease?
>> I got a 2025 F-150.
>> This is
>> And he had a Volkswagen Jetta that was
almost paid off.
>> You are a American.
You don't do anything. You go to work
and drive a different car.
You don't need this. You don't do
anything. You pick up groceries. Even
I've used it for things that I couldn't
have done
>> a couple times that you could rent a car
for that you could rent a truck in the
moment for. You don't need you never you
never in no way do you need an F-150.
>> I mean I needed something that just like
hers that could fit all three car seats.
>> You didn't need a Ford
>> also and also do other things like
whenever we were uh she wanted to build
something for uh doing pottery
>> rent.
You don't need to lease this [ __ ] at
$579.81
a month, which your miles will likely be
over, which your gas payment, especially
now, is aggressive on.
>> Yeah, the g the gas is hard right now.
>> Yeah. Your problem. Your fault.
>> Can I also just say that um our our
monthly payments increased on things
because he had a really sweet deal where
he was still on his parents' insurance
and he was not paying his dad for the
insurance. So, they told him to get his
own. So now he has to pay what is it
like $300 with your own
>> uh yeah between
that for the budget
>> the
>> what's the term on this
>> uh
>> 5 years
>> 40 no 48 months
>> and what are you going to do after once
it's done
>> release it to keep it
>> why something you don't need
>> get an auto loan to finish
>> F150 to get to the office and you have a
Ford F150 to get groceries this is so
pathetic
you you're the most American piece of
[ __ ] with a stupid car. It's so stupid.
>> I I think that it's that it works out
because I mean ju right
>> afford your car payments are a,000 500
bucks.
>> Yeah, I know they're expensive, but I
mean ju just for the truck I have I have
a
>> which you don't utilize.
>> I have a 40 a 40 mile commute to work.
>> That's even a worse reason to That's
even a worse reason to have a truck. A
40 mile commute. What the
>> Yeah. No, I I'm I'm not disputing that.
The fuel economy sucks compared to to
the last car that I had. But I'm in a
position where no matter the weather, no
matter what's going on, I have to get
there. So
>> with it, just stay in an SUV. You'd be
fine.
>> Over the winter when we had snow and
ice just
>> four-wheel drive SUV, you'd be fine.
>> A four-wheel drive SUV is the same price
of pickup.
>> I went to I think it was like the uh
it's statistically like the eighth
snowiest university in the United
States. Snows up to here constantly.
West Michigan, [ __ ] Lake Michigan,
lake effect snow. Crazy. I had a
two-wheel drive horrible sedan and I was
doing delivery Jimmy John's and uh uh
avalanches. Shut up.
>> Compact snow is way easier to drive on
than
>> black ice.
>> What are you talk? I WAS BLACK ICE every
second of every day. What do you think
happens up there? It's horrible. It's
scary.
>> I think it just snows and everyone
drives on it and then it compacts and
it's easy to drive.
>> No. And it's also like hurricane snow
[ __ ] too. Blizzards, buddy, this is a
cope. You're coping. Shut the up. Your
house
$323,85684.
What's it worth right now?
>> Um, I think it's worth 368.
>> Okay. So, I guess you would be close to
breaking even if you sold it after
everything.
>> $2,349.71
a month. A decent rate. Actually, good
rate at 4.25. So, I do like to see that.
That's fine. I'm not freaking out about
the house. Yeah, the
>> the mortgage payment's a little higher
now. Um after the first year there was
>> So what's it now?
>> Uh just under uh Yeah, it's just under
3,000.
>> Hey, me.
>> But that was because our taxes went up.
And then we also found out that we were
>> Show me your credit cards.
>> We were We also found out double paying
insurance.
>> Here we go. Checking account. Decent
money in there, but it's Cheesecake
[ __ ] Great American Lush. Sonic
Sonic [ __ ] at Target. [ __ ] at
Target. Amazon, Sonic, Apple Bill,
Waterburger Lowe's Nails Etsy
[ __ ] McDonald's, [ __ ] Sonic,
[ __ ] SONIC, SONIC, SONIC. WHAT IS
WITH YOU IN SONIC? It's horrible. It's
the greasiest [ __ ] in the world. It's
actually
defend that [ __ ] because it is one
drink, maybe two with my sister and it
keeps
>> $4250 at Sonic.
>> That was a night that we all had dinner.
>> Interesting. Shut the up. No, you
didn't. Okay. $10. It's a $10 drink
>> if me and my sister go and she gets a
>> sister that doesn't pay rent. [ __ ] off.
Amazon. When is that some energy drink?
Spotify. Sonic. Apple bill.
>> Energy drink. Snowy fun. [ __ ]
Energy drink was a birthday.
>> Panda Express. Off. You can't afford it.
>> Amazon. Amazon. School Cafe. Raising
Cane. Sonic. Amazon. [ __ ] Amazon.
Amazon. Um, okay. Pharmacy probably.
Okay. McDonald's. Sonic. McDonald's.
Amazon. Energy drink. [ __ ]
Auto pay. Oh, auto payment. Well,
something I don't know, but it's like 41
bucks. Black Rockck Coffee.
>> Oh, that was like an auto payment to a
card.
>> Amazon. In-N-Out. [ __ ] Apple bill.
Water burger. Waterburg. Waterburg.
Sonic.
Boot city. Cavenders. [ __ ] Sonic.
[ __ ] Energy drink. [ __ ] Apple
Bell. Energy drink. McDonald's. Canteen.
Vending machine. Yeah, at work probably.
Vetting machine, black rock coffee,
Sonic coffee,
[ __ ] raising canes,
got the trial for AMC, every dollar.
Well, now you get dollar wise for free
forever. So, congratulations.
McDonald's [ __ ]
[ __ ] Victoria's Secret, 80 bucks
there. Chick-fil-A, Starbucks, [ __ ]
Waterburg, Sonic, [ __ ] APPLE BILL,
SONIC, [ __ ] [ __ ]
Energy drinks, energy drinks, Sonic,
[ __ ] Waterburger, black coffee,
Amazon. Amazon. What the are we doing?
Savings $103. Wow, what a stunning
success. $200,000 a year household. What
the are we doing? 7% employee
contribution rate for this TMRS. Well,
what's the balance? 13,000. Definitely
behind for your age.
>> Yeah, but that's
>> Robin Hood 189.
>> So on that on that retirement account,
it's um my employer matches 2 to1. So
>> that's good, but there's only 13 in
there,
>> right? But that's that's only my contrib
that's only my contributions
>> because I'm not fully vested yet. So I
can see the amount that will be
available. It's just not fully available
until I hit 5 years with them.
>> Got you. Even still behind for your age
for sure,
>> especially at your income.
>> And that's you guys know what your
retirement should be at in about one
year.
>> Uh probably $100,000.
>> $200,000 combined. So, what we need to
be doing is paying off everything and
then living solely off one income and
putting everything else away.
>> You're just literally having a monthly
fee on here. You're just paying for your
monthly fee.
>> I was just saying I need to I can't you
still haven't cancelceled that card?
>> No, I haven't. I'm sorry.
>> You need to I told her that she needs to
cancel.
>> Literally just paid a monthly fee for
the credit card and you didn't even
spend on it.
>> And you still have the credit one?
>> Yeah,
>> credit one's insane.
>> Yeah, I need to delete I need to delete
them.
>> Delete it. Um, or I need to cancel them.
>> Yeah, I told you that 3 months ago.
>> Sorry.
>> Well, why didn't you do it?
>> I forgot to be so honest.
>> Shut the [ __ ] up. What kind of That's so
immature.
Credit One's insane. All this bullshit's
insane. Minimum Ze payments, no
mortgage $2,42,341
without the mortgage, guys. 2500 bucks.
Never been in the credit one app. This
is disgusting. Okay. Yeah, you purchased
46 bucks here. Where where' it go?
Where' it go?
>> Probably to [ __ ]
>> Canva and church
and another credit one. Jeez.
>> The Canva I probably need to expense.
That's for work. I do a lot of our
marketing stuff.
>> But you're doing it on the credit one is
insane.
>> It's just what was attached to it.
>> Uh Stan Pato.
>> What?
>> I don't know. It's a store. Some some
guy's store you spend money in. Cur one.
Oh, and here we go. Recent transactions.
Black Rockck coffee. Sonic. It just
continues. He went inside, got some
[ __ ] Oh, some gas. Sonic [ __ ]
Starbucks, Jack the Box, Barnes & Noble,
Monster Yogurt, Chick-fil-A. What the is
wrong with you?
>> You guys are pathetic on your spending.
This is insane.
Mortgage 2,900.
What's your gas, electric, utilities,
internet combined?
>> Um, our electric is 150. Our gas is 60.
Our
water is 125.
Our
trash is included in the water.
>> Internet. So you utility should be
around 350. Internet also has her phone
bundle.
>> It's included in our phone. How much? Um
it's like $400 a month for
>> No, no, it's uh
>> It just went down.
>> It just went down to three.
>> Good death.
>> For phone plus internet.
>> 650. [ __ ] off, man. Again, helium when
your phones are paid off. What the [ __ ]
are we doing? I know the service is
great up there.
>> Phone bill. All right. Well, we already
Is there an additional phone bill on top
of that?
>> Um, he should be paying his parents for
his um
>> how much?
>> No. So, my my agreement with my parents
is they have me on their plan as the
as the primary so that they can keep
>> gas vroom vroom drive. Both of you
combined. It's going to be insane.
>> Right now, we're like $450 a month.
>> The price is even that low.
>> I also get like a $300 stipend every
quarter for gas.
>> Oh, quarter. Yeah.
>> Okay. So, I'll bring it down to 350
then.
>> $100 went to it. Car insurance combined.
>> Uh,
>> you just combined it.
>> Oh, what did it just go up to?
>> About 400.
>> Kill me. Okay. Necessary food. Listen.
Okay. So, two 20month-old pretty much
eating everything normal.
>> 265.
>> That's the That's the last payment.
>> Oh, he added me to it.
>> Either way, 20-year-old, 2-year-old.
>> Mhm.
>> Eating everything just normal.
>> Oh, yeah. Yeah. Eats everything under
the sun.
>> Six month olds sound like baby food
though right?
>> Baby food and formula.
>> Formula formula is $200 to $300 a month.
>> That's fine. So I think we should be
able to do groceries. Total meal
prepping about a,000 bucks. TP find
anything else needed to survive. That is
diapers. That is everything. That is
[ __ ] as toilet paper. That is school
[ __ ] It's going to be expensive for a
household like yours. About 500 bucks a
month. Medical health care. How much
co-pays monthly basis? Anything?
>> Uh we have a uh we owe money to the
pediatrician's office. Well, that's a
debt.
>> Well, it it it's because I didn't know
the
>> Well, how much?
[100:00] >> It's $100 every month for
[100:01] >> It's for 27 months. It's $2,700.
[100:04] >> Well, add 100 bucks to the debt cuz
[100:05] that's what it is. Are there any co-pays
[100:07] on a monthly basis, though?
[100:08] >> No.
[100:09] >> Okay. Jim, what was it like 550?
[100:11] >> Oh, it's way more than that now cuz uh
[100:15] third kid, then she added Pilates to it.
[100:19] >> How much?
[100:19] >> 765.
[100:21] >> We'll see how it ends up. Pet insurance
[100:23] 50 bucks. How much for pet food? Uh
[100:26] >> 50 bucks every quarter. He He eats like
[100:29] a cup of food for
[100:30] >> it'll ramp up. Okay. 20 bucks. I'll put
[100:32] >> No, he's fully grown now.
[100:34] >> Okay. So, seven months.
[100:36] >> He's still a puppy.
[100:38] >> I mean, he's not he's not going to grow
[100:41] in size anymore.
[100:42] >> I don't know if that means he's
[100:43] >> subscriptions. I'm going to try to give
[100:45] you guys like 200 bucks if I'm being
[100:47] nice. Let's see. Anything else that
[100:48] needs to be in this budget?
[100:51] Uh, I don't think so.
[100:53] >> I don't have
[100:54] >> All right, guys. Yeah, even with that,
[100:56] there's some wiggle room, but there's a
[100:57] lot of debt to pay off. Okay, so needed
[100:59] to survive. $9,36411.
[101:02] I give you $200 for subscriptions. You
[101:04] can use some of that. Put it to fun.
[101:06] Maybe $100 for subscriptions, 100 for
[101:07] fun. You don't get to spend money on
[101:09] [ __ ] or not right now because you
[101:11] have an extra Okay, let me do this. Let
[101:13] me give you guys $200 for fun. You have
[101:15] an extra $2,200
[101:17] on a monthly basis. Okay. So, that's
[101:19] going out to eat. It's going doing
[101:21] whatever. Save it up over a month and
[101:22] have $400 next month. Whatever. But I
[101:24] need to figure out more than anything
[101:26] the most important.
[101:30] Okay. So, total debt $68,4104
[101:35] plus what's the total pediatrician debt?
[101:38] >> $2700.
[101:39] >> Okay.
[101:41] With the $2,200, I mean, yeah, you guys
[101:44] paid it off in just about 2 and a half
[101:47] years. And that's not bad. And I'm
[101:48] giving you fun money. And you know,
[101:50] overtime, more we can rack up, the
[101:51] better that pays it off. Raises
[101:53] throughout the years, that'll pay it
[101:54] off. I wouldn't be surprised if you guys
[101:55] pay it off in about 2 years to be
[101:57] completely honest. And that's with fun
[101:58] money in a great subscription fund. And
[102:00] I gave you a lot. But you're meal
[102:02] prepping. We're not eating now. You can
[102:03] use your $200 for take from
[102:05] subscriptions. You can use $300 towards
[102:06] There you go. But whatever. It's 2
[102:08] years, guys. This isn't the end of the
[102:10] world. Or two and a half depending if
[102:11] your income is purely stagnant. But you
[102:13] have to make a change. You have to make
[102:14] a sacrifice. No more credit card
[102:16] spending. And it's all in the debit. And
[102:17] yes, you did have enough money in there.
[102:19] You didn't have to put it on credit
[102:20] card. Stop around. You guys are behind
[102:22] on retirement. Don't put yourself in a
[102:24] dangerous situation with your kid. You
[102:25] guys make an incredible income. Take
[102:26] advantage of it now, guys. Stop being
[102:28] pathetic. Stop being pathetic. Then
[102:31] after that, a fully funded six-month
[102:32] emergency fund. Then 20% is going to
[102:34] retirement on a monthly basis. And you
[102:35] guys have an incredible 30% to spend on
[102:37] fund with your $11,800, which will be
[102:40] even higher, but you'll be able to spend
[102:41] $3,540 a month on fun. [ __ ] off. It's
[102:44] better than anyone gets to ever. So shut
[102:46] the up. This is the easiest situation
[102:48] ever. It's disgusting that you're in it.
[102:50] It's disgusting that you're not getting
[102:51] out of it. It's not complicated.
[102:52] Communicate. Go to couples therapy.
[102:54] Figure it out. Before we go to the post
[102:57] show, let me get their hammer financial
[102:58] score. Get yours at calehammer.com.
[103:00] Spending in a budget.
[103:03] You overspend dramatically. $22,000.
[103:05] Zero out of 10 cuz you guys don't
[103:07] communicate. You won't talk. You don't
[103:08] budget. Use dollar-wise debt. No
[103:11] collections, which is good.
[103:14] But it is pretty I I'll give you a 2 out
[103:16] of 10. Not good. Obviously, two years to
[103:19] pay off though. Emergency funds. Uh
[103:21] there was really nothing in savings.
[103:23] There's a little bit in checking
[103:24] account. I'll give you a two out of 10
[103:25] to be generous cuz there's like 6,000 in
[103:26] checking account, but I'm sure that
[103:28] fluctuates dramatically. In fact, I'll
[103:29] give it a 1 out of 10 because of that.
[103:31] Retirement definitely behind for our
[103:32] age. I didn't see anything from you.
[103:33] What?
[103:34] >> No. My company doesn't have a retirement
[103:35] plan and I don't have
[103:37] >> they don't have a 401k.
[103:38] >> No,
[103:38] >> they don't have to match for them. Okay.
[103:40] Well, you still have access to IAS. So,
[103:42] >> right off.
[103:43] >> I have an interest bearing savings
[103:44] account but
[103:45] >> okay. IRA, max it out, dude. Okay,
[103:47] whatever. Uh, retirement. I will give
[103:50] you about a 3 out of 10 there. That
[103:52] might be generous. Real estate is the
[103:54] only thing going for you. You can sell
[103:55] at break even. Great interest rate, good
[103:57] location, you're in a boom town. Yeah.
[103:59] Yeah. Yeah. No, I'm happy with the real
[104:01] estate. Eight out of 10, but I'm going
[104:02] to bring the retirement down to two.
[104:08] Hammer financial score. Get your at
[104:10] Calebhammer.com.
[104:11] Real estate's caring you guys three out
[104:13] of 10. Join us in the post show by
[104:15] clicking that join button or by
[104:16] downloading the Hammer elite app or
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[104:23] membership on both places. Love you
[104:24] guys. Thanks for supporting us. See you
[104:26] in the best membership on YouTube in the
[104:30] h and the financial auto post show.
[104:32] >> There was a a consolidation loan that we
[104:33] didn't talk about.
[104:34] >> But you haven't changed your behavior.
[104:35] You spent so much money. Hey, it wasn't
[104:37] even my idea. Whose idea was it? Kelly,
[104:40] >> it was your idea.
[104:41] >> So was the So was the upstart.
[104:44] >> How much was the loan for?
[104:46] >> $1,000.
[104:47] >> Consolidated.
[104:50] >> I have an exclusive offer just for you,
[104:52] but there's only one week left to
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