[00:01] >> Good. Is good. >> He's basically falling off the You like the money? >> Uh, yeah. I don't think that was taking >> It is. It sure is. I had um a regular. [00:14] >> It was fun. to stop doing this? >> You better be buying me a yacht or a house. So, it's concerning that you felt the desire to put your hands on her. [00:31] her, but I was like, >> is that something you should have to It's getting to that point >> to want to physically hurt. >> absolutely. >> My official Gamer Subs flavor is finally [00:44] here. Liquid assets is just 40 cents a serving, less than one calorie, and tastes like raspberry apple. Why wouldn't you want some? And if you use code Caleb, you'll get 10% off your entire order. Just 10% Caleb. Well, [00:58] relax because it does get better. But not until 3 p.m. because that's when Gamer Subs unlocks the real deal. After 3, every order of liquid assets will also come with up to six free gifts, stacking up to six times. 3 p.m. Link in [01:13] the description to get on the wait list. >> Hi, I'm Shelby. I'm 31 years old. >> Hi, I'm Tyrone. I'm 34 years old. We live in St. Louis, Missouri. And this is Financial Audit. >> It absolutely is. Thanks for coming down [01:26] for a living? >> Uh him. sugar baby her. Is that what's happening? >> I mean, he pays all my bills and I him. So, [01:39] >> I hope it's love. >> Yeah. Whole lot of love and love. I >> lots of love. >> Okay. Sugar babies usually look a little different. Um, but Okay. Yes, >> I used to when I caught him. [01:52] together for 10 years. >> What do you catch him doing? >> I You know, you put it in. You reel it in. And he's nine. He's mine now. You >> 11. [02:04] >> No. >> Okay. Why? Oh, congratulations. When did >> Oh, God. She knows more. >> Three years ago. Years ago. Yeah. that knob? >> Ask him. [02:18] closed that? Not >> benefits, healthcare, things like that. >> What about Well, what's the impact that you have been told? >> Uh, well, I would think that I actually [02:31] >> Uh, well, I would think that I actually money, but um we have six dependents in >> actually, >> but if she doesn't make anything and you guys get married, then your household tax liability actually puts you in like [02:43] >> Okay. >> previous years before. >> What do you do, Tyrone? >> Uh I run a lawn care company. Um this is my first year like on my own doing it as >> How many employees do you have? [02:58] >> Just me. It's just me. >> What do you make? Uh, safe side 118 a month. >> Oh, okay. Not bad. I was gonna It's kind of concerned. I mean, yes, lawn care is [03:13] that is a good business. >> It certainly is. But so that that safe >> No. >> Okay. So, when you say that's the safe average across >> it? It It's I lower on the lower side of [03:28] >> What's your low months? What comes in like 10,000. >> What comes in high months? >> Uh, well over 12. >> Okay. So, I mean, it's actually not a [03:41] The concern um >> Oh, no. During winter months, it's like >> Okay. Yeah. Yeah. I thought you meant like during the long care season. >> So, >> why would I want to know the low of the [03:55] high? I said the low. Give me the low. >> If we're going to average, it would be months, >> you do extra work. What is that extra >> Uh, last year I did junk removal. I did spark on the side whenever I wasn't [04:08] working doing that. So, Okay. So, you do a lot of Okay. Just >> random things I can to work. >> There was a concern with you, Mr. Tyrone. One, that fake name. We did not [04:22] you. I knew I was going to be filming with this individual eventually. I was just hearing murmurss for a couple weeks. You were desperate and really trying and begging to do blackface on here. [04:34] >> Yeah. >> What the And no, we did not allow that. We we we I have like almost no limits, but I would get called out for platforming someone doing blackface. >> Yeah. It's crazy. You have no limits and [04:46] >> Well, cuz I would get called out. Could you imagine my sponsor seeing someone do normal person? Why the did you want to come on here and do blackface? Uh you're in St. Louis. I can guess what at least a large percentage of your paying [05:00] population is. >> Uh well, it's going to be anonymous, you >> Not really. So, I figure >> I mean, it's anonymous name, but it's >> Yeah. >> Like, we know. [05:13] >> People probably know who you are. That's not a normal thing we see. >> What did you do? Blackface, walk in the hood, and get a bullet in the lip. >> Uh, no. No. This is actually a cle lip, cleft pallet. Uh, but so my thought was [05:28] white makeup, why not just do black makeup and make it a little bit more >> Not afraid of any consequence. >> No, >> Mr. Popo is very disappointed. >> Here's the thing. I am thinking about [05:42] >> Here's the thing. I am thinking about things analytically and I know that know, you might get cancelled from it, but think about all the cancelled. Any publicity is good publicity, right? [05:55] >> Oh, well, >> not when I lose all my sponsors and uh I cares about people who cancel people anymore. So, they probably wouldn't have much of an impact, but still I don't even I think it would be reasonable [06:09] reasonable finally for the first time almost ever for sponsors to actually >> Well, >> cuz it's blackface. >> Yeah, I did talk to a buddy of mine after it got denied who's a black guy. I [06:22] pitched it to him and he was quiet for a minute and he goes, "Yeah, that's racist >> it's usually not the best." What was your take on that, Shelby, when he was on financial audit? >> To me, that's just he doesn't give a [06:36] what says anything about him. >> Yeah. >> It depends on what we're talking about this particular thing. No. Um, Facebook for example, he likes to just if it [06:51] comes to mind, he's posting it. Um, and I've had I mean family members contact me about it, friends contact me about it, people are like the he says on calm him down. And I'm like, nobody calms down. He is who he is. He's going [07:05] >> What's he saying? >> Um, >> Off the top of my dome. I can't >> I can think of one thing that her friend two years ago? Three years ago, I [07:18] basically said I don't understand how people without kids can be broke and a I just, you know, >> I don't know. I mean, certainly there's not really like I was expecting something racist or anti-semitic or [07:32] wanted to wear like an afro and gold chain. This was to mimic a black person. It wasn't just for hidden identity. Afro and chain. It was black. >> Whoa. I just said the afro. The chain just came with the wig. So, I wasn't [07:45] >> So, this is the kind of guy that knocks up a isn't it? >> That's what happened if I'm not mistaken. I mean, that's kind of what I just glanced over and read. You were out there showing titty giving hand jobs in [07:57] >> a little bit. >> Well, see, knew it. Called it. Didn't actually know that, but assumed as much. And then he impregnated you. Then you now he's still with you for some reason. I don't know why. So, what happened? [08:10] What happened there? I think when we actually met, I wasn't actively dancing. Um, I was in school, dropped out of school. We started, you know, right? We started hanging out and every is probably a drop out of school. Um, [08:25] >> Mhm. most of them. >> Yeah. Most of them. Um, to me it was more so of like a we met and we fell in love and I started dancing again because he was just like you can do whatever you want to do cuz I [08:39] back for the money. >> Uh, yeah. I don't think that was taking place. So >> I worked at a very um, >> you didn't do any extra little >> They have cameras in the private rooms. [08:53] >> They all do. M >> you didn't do one thing. >> Yeah, of course. I don't care. Why would I care? >> Sure. >> Larry Larry Flint's all across the [09:06] those rooms. >> Okay. I'm not getting an acknowledgement of this uh chain. I don't know. >> Can't be charged 100% if they find anything out. Uh, I'm getting a note from who I'm assuming is Brandon and not [09:22] anyone else that he's absolutely been beat off in a nice strip club. So, the thing is, >> I mean, oh, come on. No, you're not going to be held legally liable at this point. This was so long ago, statute [09:34] done something. >> I really haven't. Now, what I did do is >> I really haven't. Now, what I did do is I had um a regular and we would go to a I had um a regular and we would go to a hotel. Ah, [09:48] >> What did you do at the hotel? >> He was like 62 years old. Nothing. Okay. >> Other than dancing my job. >> No, I didn't. You think I'm going to >> $700? >> $2,000? [10:00] >> No. Get out of town. No. Absolutely not. >> Have sex with someone for $2,000. If hot >> No, I don't care how hot they are. Same. said, >> someone was going to pay me to No, I'm [10:13] >> No. >> What? No. "Let me pay you." >> Buying me a yacht or a house. miss it. >> Who do you think you are? [10:27] is and goody is good. >> Your is basically falling off the chair. don't want to hear it. >> Okay. The the producers give you guys the one thing every time. Huh? I haven't even I have eyeballs so I can see. [10:41] >> Okay, so you're weren't doing anything extra, >> I believe it. >> I have no reason to not trust her. So >> I mean you were going to black face. You don't even know anything about you're [10:54] just like your world view is so broken. Your nose is falling off your face. Like and him. So I mean I think you would know. >> Yeah. I just >> I mean you can tell when a has been [11:06] right. >> That's true. Like you can >> he's everyone's shaking their head know in the back they've uh been with vaginas like most of us have [11:18] penis >> you could tell >> you can smell it you can you tell >> if someone had sex with someone you came >> and some if you had sex with somebody and then came back within hours you [11:33] would be able to tell yes we have lived Okay. Sorry. I thought you meant in I thought you meant in general. Yeah. 100%. It's Yeah. >> Okay. You lost me and you brought me [11:47] make sense. That would make sense in the same evening. Sure. I got you. I got you. Okay. So, you knocked up a Well done. No one's ever done that before. Uh [11:59] >> well done as you found a racist or something that makes money >> back. Honestly, I don't >> but we don't want you to is the issue. >> Well, >> especially you go back and you [12:13] standards, a little bit different. >> Well, I'm talking about the standards of those who are paying customers. >> A naked body doesn't bother me. It's >> okay. But certain naked bodies bother paying customers. [12:27] >> Oh, no. Yeah, totally. That's why I'd have to get a mommy makeover first. >> Absolutely. >> So, we got? >> Four. [12:39] >> Three together. I have a stepdaughter um who's 13. >> Yes. >> Dropping loads. Early 20s. >> Another. >> No. No. [12:52] >> That was pre that was pre era of the kids. kids. >> 13 9 three 1. >> Oh, well done. good father. I know something. [13:04] >> Um, how is he as a father? I would be afraid he's beating them. >> So, um, honestly, >> that's not a good look. >> Absolutely amazing. Um, >> okay. Well, the stripper thinks he's [13:17] father and a husband. Like, he'll come home from working 12, 14 hour shifts and put the kids to bed. He helps me give them baths. Like, anything that needs to [13:29] be done. It's so weird because I have a whole note from your pre-in that you enough around the house. So, what the >> how are you complaining that about that in the pre-in just sit here? [13:42] >> That's actually crazy. >> No, I was complaining I was complaining >> Sorry. Actually, no. It was on me that >> you're right. You're right. You're >> I was going to say that's nuts. It was It was a reverse card. He was actually [13:55] complaining that you, the stay-at-home mother, actually doesn't do anything. because she doesn't do >> Uh, it's not not anything. I just think more could be done. [14:07] >> Like what? >> Um, dishes, laundry, everything. >> I'm like, install cameras in this I literally don't sit down. We don't >> I should get a shirt. >> I don't even sit down. Like, [14:23] down. So, now that my son is on summer break and open your phone. >> Yeah, me too. And she specifically told me don't go through Snapchat at the >> We live in a thousand square foot mobile home. [14:38] home. >> Okay, so let me let that sink in. How clean that? >> I don't know. pick up after themselves. >> That's not true. say six because I'm [14:52] myself. >> You leave your clothes by the So, I'm not going to do your no no. But you know, one of your nos was to not go why. >> Um [15:05] >> that was your no. I don't want you to feel pressure now that you're on it. But it is a little weird. >> There's there's just if you opened some messages, there's nude saved that I didn't want you to see [15:19] >> But not others, >> right? Sure. >> Why would there be others? [15:31] >> I don't know. >> Yeah, it's a good question. >> Um, okay. So, occasionally Oh, you want it >> Yeah, it locked very quick. >> Yes, it does. It does that. [15:46] >> Okay. Well, I don't want to see your news for what it's worth. But I am genuinely curious about this topic. But again, um, okay, for what of eight hours and 10 minutes on your phone a day. [16:00] you fold laundry, as you do anything. >> Well, that's okay. What about Snapchat for 10 hours? >> Well, is that a week in a week? 10 hours >> Still not the week before was 12 hours. >> That's our primary like our p like I [16:15] worked at 14 hours a day. That is the one app you don't want me to go through. one app you don't want me to go through. >> I talk to him on that app. I talk and like I said, honestly, open it for >> conversation. I wouldn't open [16:27] >> Facebook. You're listening to Facebook while you're doing dishes for 9 hours. >> There's videos on Facebook. It's not just on YouTube. There's videos on Facebook. I messages for 3 hours. [16:40] I get three me three reels sent to my like, "Okay, here's three. How many did you watch before you sent me the three?" same thing to me all day long. >> Yeah, but at least he's making money. [16:53] So, and then he gets home and you haven't done the I can't I can't be >> The whole Safari like a browser. >> It's a browser. >> I mean, that might be I don't know. >> Exactly. And then she's on iMessage. [17:06] >> iMessage for almost 4 hours a week. So these are not podcasts while you're >> YouTube is where she watches podcast >> which that is her primary thing of which I did not bring up because I was like okay fine maybe she's watching podcast [17:19] and that's fine. But the thing is but as Facebook Snapchat messages Safari >> probably not going to believe it but seriously Facebook I mean I get on >> It is. It is. Like I said, install cameras in this mother and install [17:33] really good ones so you can zoom in on what I'm doing on my phone, please, so I >> You standing up and not doing anything is still not doing anything, but you are >> So, why aren't you accomplishing the basic things that he that the house [17:47] needs? >> It's not even the basic things that the >> I mean, I appreciate this watch history you're paying for my house, but >> started dwindling away whenever >> she doesn't watch you. [17:59] every >> She just started watching. >> she was preparing. You're right. You weren't watching the past couple days. I >> It's insane. >> Okay. And first of all, she has to watch [18:12] this cuz she's watching body cam. She's not just doing dishes and listening to sitting and watching. You don't listen to body cam. literally see. Seen >> like I I just know I can. Yeah. But I've [18:25] dishes. >> Okay. So, confirm she's not doing she gives consent, >> if she gives her consent, um I'll go through the Snapchat and the post show, but we don't we're not going to here. [18:39] Lots of messages from people. Some women, some men. He asked, "What are you comfortable with? Nudes in the bath, good full body, titties, ass late." >> Yeah. What the is that? >> She said, "I know I said knows about it, [18:53] >> Crazy. Hi. You can save those pics, but can you delete them from chat just to be >> You can read it right there. >> Crazy. >> It's not very much. >> I go I go work 12, 13, 14 hours a day. [19:08] >> WHAT IS THIS? >> UM, but yeah, it's absolute it's it's >> Can you check mine? >> Can I'm okay. do it. I'm curious. But the housework I feel like really didn't fall off until [19:21] summer when my nine-year-old got out of school and I'm taking them to there's um you know like a little rec center. >> That's fine. But there is more time in >> days a week. So we're going to the rec center. We're going to the pool. We're [19:34] >> take going to the park um water parks. I mean we're just at home doing dishes, scrubbing floors. >> And you don't have to necessarily. The thing is, if that is his big complaint [19:46] shouldn't be coming home and doing chores. >> You should do some stuff. Come on. >> I do. >> I mean, dishes is basic. Dishes is easy. >> I literally do. So, I don't know what [19:59] the he's talking about. He's got me up. >> You do these things, but here's the thing. You'll do them and then you wait 2 three day. >> No, I don't know why. >> Because I get drunk and then I don't do [20:11] >> Okay. Well, that's actually Yeah. That's our excuse. That's a problem. That's a >> It was. >> She's 7 days sober. >> Yeah. It's only been a week, but before that week, it was like a month. And [20:25] >> Okay. >> What was a month? >> From from December 14th to April 1st. >> No, I'm being told this is not actually by choice. It is order. >> What do you mean? Oh, you really are a [20:40] failure. Weird freak. So, what happened? Court ordered. >> Um, >> OH, GOOD. WHY NOT? you. >> Do [20:54] >> not my finest moments. >> Well, you've had two DUI. first one, you freak? >> I don't know. My dad went to prison for learn. So, >> really, you are hitting every stereotype [21:07] >> Kind of is, isn't she? >> Yeah. Literally seen you bred with that. >> buddy. >> Yeah. So, who's got the bad judgment >> Yeah. Calling me the racist and whatever. And she had kids with me. Now [21:21] >> It's always been you. I've never had the bad judgment. he was saying you did at the beginning because I wanted to do blackface. >> I mean, your judgment of the black face was a bad judgment. But Okay. So, what [21:36] were you doing when what happened? Um what was the first one or the second >> When was the first? >> The first one was about five years ago. >> it was four. Yeah, I was >> Oh, true, true. [21:52] >> Oh, what a freak. >> It was 4 years ago. It was literally 3 days before my probation ended, but probation requirements, they closed my probation out early. [22:05] >> And then I got another When was your other one? Your second one? >> Like 5 months ago. 6 months ago. >> December. The middle of December. >> December. The middle of December. >> Um, so with the first one, I know [22:19] Okay. >> The first one, >> yeah, accountability. >> The first one, um, my brother came home from the Marines for the first time and I was like, let's go out. [22:33] drive. You can go get drunk cuz your brother came home. It's exciting. Okay. >> Um, >> we live in the world of Uber. >> Well, okay, you're going to bash me on this, but I swear if I try to get an [22:46] Uber out to where I live, it's so rural. An Uber will not come out there. They >> Don't come out there. >> I agree. You're You're goddamn right. >> What' you blow? >> But, [23:00] >> um, I didn't. >> I refused to blow. >> which actually helped me. Um, >> life pro tip. >> Life pro tip. Don't blow. Um, actually, just don't even do the field cy [23:12] drinking today? >> Um, the second one I was at a bar drinking with my friends and then we left the bar and went back to her house to continue drinking. And [23:27] then I was like, I have to go home because will be mad. Even though he literally wouldn't be mad and he would have been less mad if I just let you >> I mean told you had to drive home to go breastfeed your kid. [23:40] while drunk. By the way, >> bust out some knowledge on them. >> I'm going to be real with you. Your debt is not the same as everyone else's. cards, maybe some medical bills, personal loans, and collections. [23:53] Whatever. Your interest rates are different. Your payments are different. Your life is different. So, why do you need some one-sizefits-all solution that calculator that spits out, just pay more. As if you hadn't thought of that [24:06] They don't just look at your balance and say, "Good luck." They work to help provide alternative solutions to becoming debtree. Whether you're loans, collections, or medical bills, PDS Debt has customized options designed [24:21] specifically for you. Not your neighbor, not some average case study. 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After 3, every order of liquid assets will [25:28] also come with up to six free gifts stacking up to six times. 3 p.m. link in the description to get on the wait list. >> They say now I don't find them. >> And when I say they, I'm talking about like doctors. They tell you now if you [25:43] can find the baby, you can feed the baby. I don't follow that rule, but I do baby. I don't follow that rule, but I do like like the alcohol the the amount that it will seep in to your breast milk is like non-existent. So, there's breast [25:55] milk strips that you can get. You dip them in your breast milk and they tell them in your breast milk and they tell you if there's alcohol present. Um, so I those were good to go, I was good to go. Um, [26:07] >> I mean, >> so would you blow that time? >> They say pump and dump is just for your comfort. Okay. like you're just trying to release your engorged titties. Um, and like I said, I didn't blow. And a [26:19] didn't either. >> I didn't blow the second time either. >> Not yet because the case we haven't gone to court or anything >> What is wrong with you? >> I'm out on bond on my own recgnissance [26:34] >> How drunk are you? >> Way too drunk to be driving. >> Oh, great. Oh, good. >> That's good for me. That's good. That's good for an addict. Um, but definitely too drunk to be behind the wheel. [26:48] >> So, why are you drinking, you dumb? >> I at this point, I mean, even like I said, I'm 7 days sober. Before that, I had quite some time. Um, I was just breathalyzer test. I'm not going to be able to drink again. So, I want to drink [27:03] >> There's two kids since the first one. Why are you having kids with that? >> Because it's not it's not always it wasn't always like this. She But you've had two kids since the first one, >> right? That it wasn't She wasn't always [27:16] >> Like But you've had two since the first one. >> The DUI. Yeah. She didn't drink. She like stopped drinking after she got the >> How long? >> Long time. Yeah. Long time. [27:28] >> A year. Two years. Well, that doesn't add up for the one-year-old. say when he was about 6 months old I started drinking again and it ramped up [27:40] >> why did you start drinking again? >> I honestly it just started off as like a little weekend thing and then it ended as a stay-at-home mom bored in the >> Why are you bored if you're uh things to clean? [27:55] >> I didn't say bored phone you dumb. Did you not listen to the instructions? >> If you got TIME TO LEAN, YOU GOT TIME TO >> True. >> Preach, brother. [28:10] >> She don't listen to me either. It's crazy. >> One of your Snapchat payers or whatever giving you this money. >> Oh, great. Oh, well, I guess we'll learn about that in the post show. Hammer [28:22] about that in the post show. Hammer elite. Okay. Um, so what's the what's What does it look like? What's going on? we talking about today? Cuz what a mess you guys are to be clear. [28:35] you guys are to be clear. >> Yeah, it's pretty rough. This is uh well, with the second DUI, we had the other one paid off. Um which was good and then she got this one. And it's been since December, we just found out like a [28:50] month ago, that she's actually going to go to court. So then the lawyer fee was $5,000 for this second one. Um, and for her to get the little blow majiggy thing that she's got, um, we had to speed up the process. So, we had to [29:07] pay the $5,000 like now, which came from her grandparents because I don't have $5,000. She definitely doesn't have $5,000. Um, I have house, though? >> What do you mean? I make the money. [29:21] spending, the budgeting, the communication, how does it go? Uh, budgeting is basically non-existent. >> Communication is >> budgeting is in my brain. I check my my banking app to make sure I have cash. [29:34] >> Why are you still with her? Is it the kids? It has to be you. great. >> Yeah, but she's on her second W. >> Yeah, it's not good. >> Like what the like why are you I would [29:46] have walked. So yeah, I've told her if this continues because literally talking to them a month ago, she was still drinking. Like I have a text message saying, "Hey, I just got home from working 13 hours. [30:01] She's drunk right now. Like I'm getting sick of this and I'm getting ready to like I'm done." So I even told her I came home one day and she was drunk again. And I for the first time in our entire relationship, I was literally on [30:14] physically hurt her, but I was like this is ridiculous. Like >> Well, it's it's getting to that point. It's getting to that point >> Yes. Absolutely. >> I'm like I don't want to I don't I was [30:27] like I don't know how to say this. I was like but you're literally literally No, >> Like >> Well, yeah, that's fine, but why does that get to violence? No, I'm just saying like it it was on the like I [30:39] wasn't actually going to do it, but like I wanted like it's just what is it take this? >> Do I have to beat the out of you? >> You have three kids. You have four kids. You have, you know, a decent home life. [30:51] your kids. Like, I don't understand what's so bad, what's so wrong that you have to drown out every bit of existence with alcohol. I don't get it. concerning me. The things that you're saying are kind of concerning, [31:05] shooter who got lost on the way to school, so still ended up making it to 34 without blasting one up. >> Bro, I look fresh. >> What are you talking about? >> So, it's concerning that you felt the [31:18] >> So, it's concerning that you felt the desire to put your hands on her. >> That's good for now. >> So, it's good >> here's the other thing, too. She's not When she gets drunk, it's not a good [31:31] time. It's not pleasure. It's not fun. It's like, oh, I take some alcohol and I everything's fun and joyful. No, she's an She kids with you. >> Yes. [31:44] >> Basically, it seems like anything that she has bottled up or doesn't say. Then it just starts to come out and it's like to the extreme. >> I don't know if that's ignorant. [31:56] >> Okay. So, she lies. >> Yeah, she gaslights. I hate to say that in 2026, but a real thing. >> Yeah, it's a real thing. It's like the thing I'm doing work at home like you pulled up the you're gaslighting me. No, [32:10] you're not. And then she'll say things like, uh, you just can't see all the things that I do. Well, if I can't see it, then is it happening? What are we >> If you can't see me go to work, you can't see me pay the bills, but I'm [32:23] >> I'll say things like, you know, you don't notice all the small things. Like, Don't do the baseboards when the sink get filed up when there's six loads of doing that? >> It's all about cleaning with you guys. [32:36] >> bro. I'm very OCD. I'm very like I don't want >> a husky and it's out of control. He's a very husky and he >> He hates my dog. >> It's so weird to not like a dog. [32:48] >> Dude, he's hairy and it's gross. >> Gross. >> You have a Roomba. It's 1,000 square feet. Why aren't you cleaning up their >> I do. I'm vacuum and sweep like every single day. Every single day. But it's [33:01] every single day? >> No, it's not. And that's my whole here's 1,000 ft², threebedroom, two bath. tip-top shape. Everything's looking great. Now, what are we doing here? Four [33:15] days a week, cuz I'm usually off two days. Sometimes not. If it rains or whatever, I have to work an extra day. Maintenance. We're doing maintenance. you want to go to the reclex? You want to go to the pool? you want to do this, [33:27] you want to do that. It should take you an hour, speedrun through all the the kids for the next 11 hours of the day while I'm gone. you're totally missing is like, let's say I have the house clean, and this [33:40] a bath or something, right? And I come everywhere. There's everywhere because you're on the computer. Because you're on the computer, which you deserve to be on the computer, you know, [33:53] like you deserve to come home. No, you deserve to come home and be on the like relax and do whatever the you want to do. But at the same time, I can do those things and also pick up as I'm going. So like when I get out of the [34:07] bathtub and the whole house that I just spent an hour or two hours cleaning is now messed up and you're like letting cook and >> I mean I'm sorry I'm having my bad. >> No, we know or [34:19] drinking and then you're in the bathtub and it's like oh it's me bath time. I'm going to drink some more. >> That does happen, but especially since much. >> Oh Since December, we're in June. [34:35] I can pull up pictures. Hey, I can pull up pictures right now on my phone where there's like eight smearing off ice cans hidden in like a bag in the trash can. three shooters in a >> That was in April. [34:49] >> That was You says December. What do you think's after December? That's what I said. From December to April 1st. I know when I stopped drinking because I know >> You didn't stop drinking though until 7 days ago. You would have one day [35:05] to April 1st. I literally did not drink at all that entire time. One time. I drank before my friend's birthday and then all of a sudden I drank every day for like 3 weeks. I know when I drank and I know what I drank and I know [35:19] can't confirm nor deny what she's saying is But I feel like I feel like >> No, because addict an addict knows the days that they stopped. >> An addict also lies. An addict also lies to do their drug of choice. [35:35] >> Come on. I grew up around addicts my entire life. That's also why I have no I time for this because that's not how I live my life. I don't drink. I don't smoke. I don't do any of those things. So my future is not revolving around any [35:48] >> which I understand. >> Then why are you with her still? I'm so >> Because again, whenever the things are good, like she's a great mom, for >> She's a great homekeeper. She's actually [36:00] very intelligent when it comes like to book smarts and things like that. She >> Okay. For you. Okay. >> No, not for me. >> generally speaking, >> above average intelligence. [36:13] >> What's the last book you read? What was the name of that book? Want to know a secret by Freda McFaden is the one I'm on. >> I haven't read a book probably since high school. [36:25] too. >> But things haven't been good for a long time. So that's why I'm confused why you're still here now. >> Uh maybe it's the it's the kids, right? >> No, it's the reminiscing [36:39] Also like >> wanting to build a future. There's things that I want to do that involve her. Goals that I have, ambitions that I have that she is a part of that I also need her to accomplish. [36:52] >> Have you wanted to leave? >> Oh, yeah. Definitely. >> Yeah. >> You're just You know how he said it always hasn't been like that? It always hasn't been like that. Um, the other [37:04] thing that we have had fights about or just like where I'm coming from even far before I started drinking was like his when we got together like he said like amazing phase in the beginning when everything is perfect. Um, I would say [37:21] he slowly stopped showing as much emotion and like the romance and stuff like that. And I know that's a normal thing. I know it happens but it wasn't something that I foraw happening with us. So, it's something that like I've [37:34] been bringing up for a long time and it definitely has gotten a lot better. Um, but there were definitely points I mean I would say around like 2019, 2018 and I remember these years specifically because they were that bad. [37:49] I mean there was like complete disconnect from us. We hardly talked. Um, I was telling him the other day like the first time you told me that I'm the day that you proposed to me three day three years ago. [38:01] >> Okay. You know what? You didn't get called beautiful. That's a bummer. >> You're a drunk at home who doesn't do while >> I was think maybe maybe I'd be better. [38:15] >> I think Oh. Oh, it's your fault. She drinks. You don't call her beautiful some kind of personal responsibility. you. >> You're cooking. But no, I think she seriously does. [38:27] >> Yeah. >> What happens when that court order is done? It's happened before like 30 times. And doesn't say I love you as much. LIKE, YES, THAT SUCKS. BUT THE SCALE OF ISSUES [38:42] ON both ends. Yours is up here compared to him not saying. >> The thing is, the thing is it started way before the drinking, like I said. me. That's a dealbreaker for me. If you can't show me intimacy and love outside [38:55] >> It's not even >> because we've talked about it. We've >> Well, there you go. So, what are you complaining about complaining about? That's a win. >> Court ordered. [39:10] >> Cordered and checked via breathalyz. >> Yeah. Is it okay? a drink if I want. And even if I did drink, like let's say I could I drink device thing. The only punishment would just be blowing in it more times [39:24] first punishment. >> So you don't give a seriously. That's why I haven't had a drink, but it wouldn't >> The first time >> every time she's been pregnant, she just [39:38] stops. There's no drinking. There's no doing anything. So here's my thing. If doing anything. So here's my thing. If you have that willpower to do that, why? And like she just said, "Oh, if I my only consequence if I drink is I just [39:50] Okay. So, I just follow the order because it's the order. But if I wanted to break it, I could. Obviously, you can follow it. So, why whenever there's no restriction, there's nothing stopping [40:03] you, then it's a problem. But if there's something that's telling you you can't to follow the rules. It's no big deal. We could do it. No matter whether it's 9 months or it's two years. I don't understand. [40:16] >> Plain and simple. Just being lazy. And I didn't want to. I didn't want to stop. in the last seven days? >> Uh yes, because she every 4 hours or less that thing goes off and she has to [40:29] blow into it whether it's 2:00 in the morning, whatever. 10 I think it's 10 2 6 12 around the clock. So there's like no point where she can and it has like a camera on it so she can't have like one of the kids blow into it like so I know [40:42] that she's doing it. >> It's actually never been um it's 100% tamperproof. It's ne no one has ever successfully tampered with a scram blowing device. However, they have a breathalyzer. They have tampered with [40:54] >> You have one? >> You probably get back on it. >> No, I've never had one. Um >> ankle monitor? No, I've never >> I've never had one. The reason that I [41:07] have the breathalyzer is in place of the monitor because it's summer and I wanted submerge that thing. >> So, this is still, you know, it puts a strain on the whole family. It's >> Yeah, cuz you're a horrible mother. [41:21] >> Yeah, totally. >> When I said like if I leave, I'm taking the kids and the only way you're going to see them is if you have this vice. So that's that's actually what it's mostly used for is like custody battles. [41:34] >> Okay. Okay. So yeah, you're a piece of But I'm being told >> Shut the up. But I'm being told on your end, Tyrone, that you consider yourself Robin Hood. I don't see how cutting grass isn't Robin Hood. What is [41:47] this Robin Hood? You steal from steal steal from who to give to who? What the are you talking about? >> Um so I mean we'd have to get into some of the debt related stuff on that end. Um, he steals from companies/ the [42:03] What does that even mean? >> Uh, I don't steal from the government. I fall all follow all um legalities involved with any kind of application [42:15] processes or requirements for assistance. First of all, >> you paid your taxes. >> Uh, about that. >> taxes, huh? That would be it. >> I think it's been like four years. [42:28] >> Okay. >> You own a house? >> They could. >> They could, but they won't. >> Uh, just cuz I know. >> Nope. [42:41] >> Yeah. Yeah. See, I think you like operate out of like a, you know, carrot and stick mentality. You're more afraid of the stick and the IRS and the the guys with the guns your favorite. Say, I I just don't I don't care. [42:54] They're not going to take my house. They might take your house. No, they won't. >> If the police do come, he told us, "I ain't going down without a fight." >> So, when I first started this, you know, the taxes got complicated quickly. [43:06] >> Um, I thought I paid enough for my first year doing YouTube. I didn't. Found out a couple years later. >> Did you? So, so in the notes, >> Yes. >> Yeah. See, you're on the radar. Problem [43:19] >> Well, I think you're on the radar now. Problem number two. be on the radar. >> Yeah. Tyrone. So, file one. >> Well, there you go. So, you'll be on the [43:33] >> Yeah. I've never made enough to where like I would have years then. >> Uh I mean, I was working. That doesn't make sense. >> Well, so when I we used to mow, I would [43:47] mow for cash. >> Like it wouldn't be I would work for >> You certainly didn't claim >> or they would 1099 me and I just government benefits? >> Uh, she does. [44:00] are you getting? >> Bingo. Um, I get food stamps and medic for all the kids. >> Uh, mind you, a six figure household. >> You average out to $1,800. >> No, I do not. During this is the first [44:16] year that I've ever made that. And this just started in April. that. >> I have I have a consistent client list. >> yeah, for a couple months you have a consistent [44:28] list over the last three or four years. You just start a business and have >> Okay, then it didn't go from 0 to 11. So you've been making decent money for a >> Yes. >> So mind you, nearly six figures for a [44:41] about? If it's a consistent scientist, you should have been near that six it today. >> Last year, okay, so I would have to rent weekends to do the few yards that I had. So, it was like not even anything close [44:55] to >> making six figures or anything like >> Um, I was going to I mean, this is a whole another rabbit hole, but I was going to purchase his company from him >> uh two years ago, I think. [45:09] you are now. >> Uh-huh. >> And that is disgusting if that maintains through next year. >> Yeah, but it won't be six figures still. >> What? because we only I can only mow [45:21] average of 29 weeks a year. That's the mowing season. And then once that falls >> So what do I actually put as your average then? >> I told you it would probably be I mean whenever I get side jobs, I probably [45:33] still make 4 to $6,000 a month >> extra on top of like on offseason. >> So what is the monthly average I should put is? put is? >> What's 29? We 29 divided by 4 12 6 24 [45:49] >> I mean it's hard to say because the the >> probably 70,000 a year maybe a little >> then why the shoulds >> uh I think the dependence is the big thing. I don't know what >> yes with uh who's claiming them. [46:03] >> I have three dependents. >> You claim them with the zero income >> What? >> Yeah. what are you doing for a living? How am I supposed to go off information I don't [46:15] for my company. >> Yeah. >> And what do you make? >> You think you did 25 last year? [46:27] >> No. >> What the are we doing, guys? Just end the federal government and all benefits. This shit's crazy. I'm so done. This show has turned me into the most pessimistic mother. I used to be so pro [46:43] benefits even two years ago and now it's just like every single one of you mother this is crazy. >> Yeah. So here's the thing too. Uh tax tax code your children if they're of a certain age can work for your company. [46:56] >> You pay them up to $15,000 a year. So you can go ahead and add 15 plus 15 to That >> I mean my son's nine. He helps me cut grass. >> Why is a kid that young working so [47:09] slowly? DO YOU EVEN CARE ABOUT YOUR FAMILY? Cuz you're playing RUSSIAN ROULETTE WITH THEIR FUTURE. YOU'RE SPENDING $5 A DAY ON BS ENERGY DRINKS AND CHURROS. That is two grand a year to put one foot IN THE GRAVE. ALTHOUGH YOUR [47:24] FAMILY has zero protection if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need Policy Genius. It's a free online marketplace [47:37] where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20-year policies starting at just $276 a year for a million DOLLARS IN COVERAGE. YOUR BS ENERGY drink budget covers that five [47:51] policygenius.com/caleb right now to compare quotes from top companies and see how much you could save. That is policygenius.com/caleb. Stop being a liability to your family and START BEING A PROVIDER. YOU SUCK [48:05] WITH MONEY, so you download a budgeting app. You start with the classic one, wine, nab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? [48:17] Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what? They want to sell you in the end. Then there's the [48:29] new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people [48:42] just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Wise.com. Link in the description below. My daughter's 13. She helps me cut grass. [48:56] know, models for advertising. >> Brother, you think this an audit if you >> Yeah, 100%. It's it's a it's a tax code. >> We ran it past the CPA $1,000 a year per child, which is taxree for them and tax deductible for me. [49:11] >> You you've ran this past the CPA? >> Yes. >> Yeah. >> I'm not 100% sure that he's not the fact >> Lenzo, pull it up. >> Yes, Lindso. [49:24] Um Okay. I don't know. We can look at it later. Um, but I'm very glad could do is if you pay your children that money, I mean, you obviously have to make a certain income here, but what they do with their money [49:39] doesn't matter. So, theoretically, they >> you have file taxes. >> They could pay bills for you. >> And yet, you're getting the child tax You're welcome. Thank you. >> And you're filing taxes and you get food [49:54] stamps on top of that, plus Medicaid. So% >> Oh, I hate everything. That is the way we have set this up. >> Yeah. Yeah. We're dependent. >> The entire 200 billion yearly SNAP [50:08] hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes, the little guys. >> Well, subsidies isn't money going to them. Typically, subsidies is usually usually it's tax benefits. So, it's [50:21] still money going out. >> So, it is different. You can't compare >> Uh, it's not one to one. >> Well, then you just made the one one >> And you know those subsidies are usually set up in place for them to build like a [50:34] corporate campus. So they employ more people usually to a certain degree. It because they bring in more employees. They have to pay payroll taxes on that on both ends. >> So what are you talking about? At least [50:47] an example. How much revenue did they generate and how much of that revenue was profit? You're telling me that they deserve a $700 billion deduction or subsidy or whatever you want to call it to grow their business. When you make [51:00] that much money, you can't fund your own business advancement. >> I don't know about necessarily deserve, but I would still rather have money go which actually provides a benefit. >> I mean, the SNAP program can only buy [51:12] >> than people who literally do nothing sit on her ass and just get >> She also gets Medicaid and she gets the child tax credits. No, tax credits too. Literally just the money pay. How many countries pay for people to have [51:27] population decline in all these other matter? That is never once helped. >> Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary and then it fell back down. So [51:41] that's not even actually benefiting the overall issue. It's a populist policy. necessarily good. It just gets votes. Yeah. >> not a bad one. >> Not a bad one for you guys. You guys are [51:53] >> Oh, >> even if we were to get married. >> So, do I agree with every tax credit? No. But I would still rather if I have to choose between someone who literally does nothing and just get versus [52:05] creating jobs that at least help communities. I will choose that. That right? >> You haven't filed your taxes. >> I will this year. And guess what? I will pay $0. [52:18] it. >> So you're okay with the tax subsidies? >> Okay. So you're okay. >> Yeah. Here's my point though. I Okay. ladder, right? I'm down here. Average middle class whether I make Yeah. [52:32] benefits that are down here. The loopholes that exist. I'm going to use >> Once my ladder goes up, I'm using as an example that doing it from down here. Oh, I hate the poor people because they're abusing the [52:45] system. Oh, but I don't hate the rich people who are abusing the system. >> I didn't say that. I said if I have to choose one to one, I just said I'm making the one to one example, I'm choosing the one that at least creates [52:58] I wasn't defending either. >> Okay. But I would still rather do mooches. >> I mean, well, the thing is too, I what he makes monthly or whatever. You know, [53:12] gentlemen. >> Yeah, there you go. Um, and even if we were to get married, the the food stamps and the Medicaid would remain about the same because of the off season where he doesn't make much money [53:26] >> So, because he would do a business that isn't actually successful, we should >> Yeah. Thank you so much. >> That's interesting. Usually, you just another job. >> Starting your own business always takes [53:40] but you're taking on that risk yourself. Yeah, to be >> fund your risk. Isn't that on you? >> We kind of are by putting food on the table and get making sure they're taking [53:55] >> and plus the child tax credit. So there's just literally money in your pocket. So yes, we actually are. you're funding her. >> But even if you went jointly, like she said, thanks to Chat GPT, your benefits [54:08] business because the offseason if I didn't write my own company and I went because that's let's say that's all that I could qualify for. Nothing changes. get a job. But you choosing to do your business that isn't successful is us [54:23] different in the end because here's the reality in capitalism, which is great. Here's the reality. Here's the reality. I don't do nothing. The capitalism, the excitement is if you start a business and you're wildly successful, I want you [54:38] the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success because you did the sacrifice where you then actually say, you know, if you lose everything, no worries, we'll just fund [54:51] like everyone else. >> I do when I'm not working working. So, which brings you to the $70,000 a year, right? median household income. I'm sure St. Louis is a little lower. [55:04] income. How many how many millionaires and billionaires are in the United >> Do you think that's use the median household income? the average much more aggressively. That's why we use median, [55:16] >> right? >> Yeah. So, median's better way to get >> Yeah, but I feel like there's more people who aren't making the the median >> What do you think just median is? Medians to get a mean median mode. Yeah. [55:29] though. >> So, at least we have something to work skewed. >> I know a lot more people who are making >> I'm glad in your life, but I'm just going to go off of analytics. [55:42] >> but I'm glad you use anecdotal examples. >> Yeah, >> Yeah, >> I know fat, too. I guess every fat >> back at you, bud. [55:54] >> You could be a fat. I'm just a millionaire and billionaire. awesome. I wish I paid $4 million in taxes. That would be sick. >> Thank you. >> You know why? Because that means you're [56:07] taxes. >> Trust me. No, no, no. I'm very blessed complaining about that. I would just rather it actually benefit society and not have people that can just mooch. >> But it does benefit society. [56:20] >> Healthcare and and SNAP benefits society overall actually need it. Yes. >> Say statistically. Statistically, there's more people that don't probably, you know, like her just sitting at home. [56:32] I would say statistically speaking, it's an overall net benefit to society. >> What do you mean? You're saying, yeah, she doesn't do anything. She's getting government subsidies, right? That's not the statistic, though. I would say more [56:44] than likely the average person who's on the benefits. >> right? >> But I think it's also >> Yes, you did. >> Well, no, no, no. I say I Well, to [56:57] clarify my response than if I accidentally insinuated that, I would rather make sure we're at least auditing the systems properly to make sure people >> Oh, 100%. >> So, I think that's fair. Including the [57:09] Pentagon, don't get me wrong, he hasn't passed an audit. I'm with you, buddy. If money is wasteful, I don't want to I've always said I'm willing to spend more on benefiting society more and if we're actually auditing our system. So, I'm [57:22] >> I agree. >> Okay. But, uh I don't think anyone likes writing a check for $4 million. That is money that could go to a lot of things that I would like to do in life. But instead, it is going to things that we [57:36] literally cannot audit or pass an audit of. happy. >> But there are some I mean there you already. reduce your taxable, you know, income and reinvesting in your company [57:49] or other things. >> I mean, I mean, I employ one, but >> yeah, but that's I mean, reducing tax income, like if I employ someone just to reduce tax income, I would still rather pay that 40% on that $75,000, then [58:02] not just how it works, buddy. Yeah. >> You're you're thinking of like a massive CC corp that does a lot of funky to use the tax code. I mean, I still need of the day, right? >> So, we don't do that That's not [58:16] what most small businesses do. And we're a small business. this year and probably next year. You have up to five years to operate at a you as a hobby and not a business. So, >> and you filing quarterlys next year? [58:31] >> and you filing quarterlys next year? >> Uh, maybe. I don't know. I have to talk >> You'll be wanting to file quarterlys next year. able to write off the truck that I got. I'll accelerate depreciation on that. [58:45] pay off. >> I'm not complaining about any of that. you're if you're trying to make a big point about like I should be happy about writing the check when we can't pass audits and there's people like her and [58:59] good with the child tax credit. I guess it's a populist policy. I'd love to if it actually increased the uh birth rate. It doesn't. It never has in any other history. South Korea has massive benefits. It's still falling. Um, so, [59:14] reality is, I mean, yeah, sure, it'd be great to be like a single household off of 70. So, I don't think we need to do extra support for you guys. just going to claim that your income is zero. So, then we're going to give [59:28] everything. >> So, yippy. Our system has no flaws and it's perfect. Then I guess more people like me just should be forced to write checks and you'll celebrate. I guess I mean that's why we're here. [59:41] part of that person who writes those checks. >> I know. But aren't you wouldn't you also rather instead of that and just ru let's take money like figure out hey what's the actual issues with where money is [59:53] going first and then once we get that settled okay let's decide if we need should stay the same. Yeah, that's exactly why we're here and not filming a retirement planning documentary. That's why we're here for [01:00:05] >> That's why we're here and not planning a documentary for retirement or something because we are not doing good with our taxes. We're not doing good with our finances. We're not doing good with >> she's saying I I think she's saying we [01:00:17] haven't filed taxes and we or haven't made a budget is why we're here. I don't financial advice. >> Financial audit. >> Okay. Okay. Well, then why are why are the BR pieces not clicking? I'm I'm I'm [01:00:31] >> pieces not clicking. I'm talking about I'm talking about him being upset that I'm talking about him being upset that I'm not excited for writing a check. from the perspective >> if we're in that club. [01:00:43] >> Fixing the system. Yeah, but I mean the system exists as it exists. >> I would be okay because again, like I said, statistically speaking, we're probably not the average situation. me writing a check towards the current [01:00:57] the end of the day? Sure. But as long as I'm making plenty of money to provide for my family, I don't care because I grew up in obscure poverty. Like poverty poverty. So like >> that doesn't mean you could just do [01:01:11] Well, I grew up with foreclosure notices. They've all heard. worst part about your childhood? I hear you say that all the time. Is that >> the worst part? But it's an example of >> I moved like I don't know about [01:01:23] finances. Uh I I remember my mom like oding and she was asleep for like 4 days like 40 annex. >> Is this are we having a competition? I'm don't care about mine either. >> But the thing is like the mindset that [01:01:36] certain situation. You grew up in a certain scenario right when I say I grew to zero >> because I grew up in a different >> economic probably system than you did. The people that I surrounded myself with [01:01:51] that is how they operated and how they live life. So the things that I do even live life. So the things that I do even at this age are kind of based on the mindset that the people around me had. >> Okay. Everyone lives life based on their [01:02:03] personal experience. Yes, we all know. What point are you trying that meant? >> Unlearn things that you have learned and been surrounded with your entire >> No, just being on assistance. >> Yeah. Don't do drugs. [01:02:15] >> Being on assistance is where he was going with that. But Yeah. Okay, Nancy Reagan, it worked, I guess. mentality of like I did the something. So, it's like you can do it too in the [01:02:31] >> everybody has a different mentality. >> I've always said personal finance is called personal finance because it's personal, but I know that if I can do it, other people can do it. Not necessarily the same way, but budgeting [01:02:44] is still budgeting. The numbers work the same way. Money in, money out. talking about personal philosophies here of why I do some of the things that I do right now. It's just not >> the mindset thing of [01:02:59] >> I don't know >> exactly. You're being defensive about I should be happy that I'm writing a I get to write the check, but I'm not happy about losing money that could go [01:03:13] especially when the system is flawed. And I guess you're a fascist if you consider that there might be some fraud happening in this country. >> There's a whole lot of fraud. >> Exactly. So, what the was your point? [01:03:26] think your guys' financial score is? 0 >> One. >> I haven't seen the show, so I described what the score would be. >> I'm just going to go with what he said [01:03:39] >> I'm just going to go with what he said and say a one. It could be a two, a one, maybe a zero. Are we even on the chart? Oh, a trailblazer. You are going against the grain. Okay. Well, if you want to figure out what your Warhammer financial [01:03:51] Just takes a few minutes at calebammer.com. You see where you stand, doing great. If you don't want to end up like guests on this show, besides not coming from households where your parents overdose. Uh, also just use a [01:04:05] where your money is going. Something you guys definitely need. So, check out Dollarise. You get a free trial. Wise.com. link in the description below See if it works for you like tens of [01:04:18] Sign up for the annual version cuz it saves almost 50% and you get the signed by me mailed directly to you and the digital version of our cookbook. the digital version of our cookbook. Here you guys go. I don't know if it [01:04:32] where was it? St. Louis. They got grocery stores, but I think I think you >> Okay. >> Thank And I am sorry again like I mean understand the point you're making but I mean I'm sorry for the place you came [01:04:45] mean I'm sorry for the place you came from like you know and I'm sorry that parents went through overdoses. That's really sad and it's really tragic and understand the point you're trying to make and that's why I'm kind of making [01:04:58] light of it. But that is tragic. I'm glad you're not replicating that >> I think the whole the point just the point that I was making was like if I write, you know, that big check to the the IRS, yeah, it would suck. But it's [01:05:12] I'm saying? >> That's the least of my worries, too. >> No, I Yeah. I mean, >> so I don't Okay, I don't think anyone's Oh, no. I made lots of money. That's That's really sad. Uh, okay. Chime. So, [01:05:27] interesting. And we do like chime. Chime.com/caleb. Get $200 for signing up. It's free. No reason not to. Did you guys get that $200? >> You signed up before or without my link? >> I I just found you like two months ago. [01:05:40] >> Oh, my friend. My friend. You could have got $200. There you go. Get $200, lady. >> Link below. Wow. This is a lot of P. Okay. What are we doing in here? Who's >> Mine. >> Okay. What you doing here? [01:05:52] looking at? >> Uh, you're stopping in gas stations and >> What are you doing? >> Uh, bangs. >> Yes, sir. >> Bang, bang, bang, bang. [01:06:05] >> I don't mean to do a plug too close to another one, but Okay. Energy drink. Here you go. >> You're making this at home. Hey, girl. know what this is so you can force him to do it at home. It is a powder. It [01:06:19] you could ever imagine. It's called Gamer Subs. It's an energy drink. You make it at home with my discount code 10% off Caleb. Link in the description serving. So like you make your coffee at home instead of going to nasty ass [01:06:31] it's better than bang. We put bang in our blind taste test. This beat it by flavor? What flavor were you banging? >> What flavor were we banging? >> Remember? >> It was a white can. [01:06:45] promise you. >> Purple haze slaps, bro. Peach mango. me >> here. That one's fruit punch. Yeah. >> I tried to get the sample pack like 2 months ago when I found you and they [01:07:00] >> okay. Well, you can get those sample packs. Figure out what flavor you like. Link in the description below. >> Um, okay. Uh, and then you get So, getting a lot of The direct deposit lease fund. [01:07:12] >> What is it? >> $136. Coal >> qualify. Yeah. Washer and dryer. You're >> renting or No, it was uh what? Four months. same as cash. [01:07:25] after that. >> That's because I went She Okay, it's set >> I wasn't paying. >> She was supposed to be paying it. She wasn't paying it. So, then I went online and paid it and then I submitted the [01:07:38] payment and it didn't show that it cleared. So, then I did another payment okay." So, I just double paid on it, but whatever. >> Uh Snapchat pay for I thought she was the Snapchat. [01:07:50] daughter. >> Okay. The 13-year-old. >> Yeah. Okay. Ben out money. A lot of money. Amazon. Amazon. Prime Video. Ben Money. Amazon. Pull up the Amazon. Spotify. Afterpay. [01:08:05] >> Amazon. Walmart. Yeah, but the Walmart is $54. Hard to know if that's groceries Sonic Driving. That certainly ain't groceries. I'll tell you that. Zip. zipping? Zip. >> Uh, that was my daughter's tennis. She [01:08:21] racket shoes >> and you're zip painted. >> Yeah, you make money. >> I I know. I know. I'm at the point now the opposite side of the spectrum. Like I look at my account, I'm like, "Oh, I [01:08:33] I'm like, "Oh, paying for." I'm like turning into like the Jew because it's >> a certain level. >> Are you a Jew for not wanting to lose >> Yeah. See, well, I didn't I don't use the paying fors anymore because I didn't [01:08:47] realize like the 30 whatever interest rate they charge. But when you do $200, >> I don't understand how that's being Jewish. Wanting to have money in your >> Uh, come on. Do I really need to explain the stereotype? [01:09:00] >> Yeah, but just having money isn't Jewish. >> I would say having a lot of money there. >> Well, for me is a lot of money. >> for you, not for the Jew. >> Exactly. [01:09:13] >> Okay. Well, out money Prime Video out money Prime Video >> subs. Amazon Amazon Groupon. Now that's on there. >> Venu out money. Drink a lot of [01:09:27] of dollars to? >> Probably labor >> My kids help me. >> So your kids And then every once in a while if I'm packed up, I'll hire somebody. [01:09:40] >> What about when your kids are in school? >> Um, can I just do it by myself? Yeah, >> Okay. Venmo. Venmo. Amazon. Pull up your Amazon. Amazon. >> Lady now. [01:09:55] Amazon. More zip. You zipped. Amazon. Amazon. Amazon. >> The same zip. >> Venmo. Amazon. Amazon. Amazon. A lot of crazy statement. Facebook. You're paying Facebook. You paid Facebook. [01:10:10] >> That was uh Amazon. Amazon >> verified badge or whatever. verified for your business? Maybe business. on? >> Making a whole lot of 15 bucks a month. [01:10:22] >> Just making realels content. >> What reels? Blackface reels. >> Lawn care. Uh, opinionated pieces. >> What's your most radical opinion? >> Um, government sucks, leftwing, right-wing [01:10:37] on now is >> government sucks, but he wants he's going to be happy when he gives millions of taxes to it. Okay. It's an that's a radical position. No one really likes politics. [01:10:49] are either on one side or the other. >> Well, certainly, but whatever. Okay, that that's not a fun radical. Do you have a fun radical position for me? >> Uh, no, not really. >> If you or your child spent years growing [01:11:03] up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew [01:11:15] their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now, [01:11:28] Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something [01:11:41] new to help you that we have personally built right here on caleb.com. We have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already [01:11:54] okay when you're good at debt. I them for a situation. So, we have good personal loans on caleb.com. We also have auto insurance now. You can check [01:12:07] for free and see if you can save a ton of money on auto insurance. And then to close it off for now, cuz we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. [01:12:19] This makes it so much easier, but only if you're actually ready to change. if you continue the same bad behavior. So, it's not for you if you still suck. check out these three programs from personal loans to debt relief to car [01:12:33] insurance to see if you can save a ton of money across the board. Go to calem.com or the Caleb Hammer financial resources part of the pin comment or money. >> I mean, personal personal accountability [01:12:48] is like usually my main thing. >> Say the man who's going to show up in black work hard, you know, there like you said, there's no excuse. I grew up in whatever, you know, if I could do it, you could do it, too. That type of [01:13:00] >> No, >> I can't scared. >> I can't uh scared. Yeah. >> Not a good look. blackface. We had to tell you no. >> Yeah, that should tell you something. [01:13:12] him say that's not a good look and actually cared about something. >> Why are you pussified on camera, >> No, that that the the Jew topic is a little more, you know, controversial. Probably the [01:13:25] controversial take. I'd like to know where you stand in this world. where you stand in this world. >> Apac sucks. BB's terrible person, terrible leader. That's it. Zionism is bad. [01:13:40] >> Question on Zionism. What's Zionism? >> The Christians who support and believe protect them at all costs. >> Okay. If I'm not mistaken, I think the definition is just that there should be a Jewish state. [01:13:56] That's probably fine. >> Okay. So, like classic version. wrong with like Israel as, you know, a place, >> Yeah. >> Uh I don't know. I think this Okay, we [01:14:09] got a high chair, hair extensions for kids. Uh fake plants or watering pots. I Same with the potty mix. We don't need that to survive. I got a chalk markers. >> Tattoo removal. I'm doing My grandma gave me an aloe plant, so I bought a [01:14:24] What? I'm getting tattoo removal. So, I got an aloe plant to rub aloe on it. >> Okay. CVS one time. >> Probably cheaper than this watering. >> I don't know, honestly. I think I think [01:14:38] that was a cheaper route. We got free >> 30 bucks, but you can use it a bunch. you getting a tattooing? >> Every is amazing. I mean, called Divorce. >> Oh Why is that? [01:14:53] >> No, does it. >> I'm not even married. I don't have anything to prep for. >> That's true. That is true. Uh, rose goldplated chain. Go yourself. Do we not know what situation we're in here? That [01:15:05] sound funny. >> Purple hair mask. Lots of cables. Oh, thank goodness you canled the AirPods cuz you can't afford that Oh, YOU DON'T NEED A SOUND BAR TO SURVIVE. [01:15:19] >> YEAH, I bought I bought five bucks. No. You don't have this You don't have >> I bought a VHS and a DVD player and the AUX connect. >> This is all >> Yeah, you should see me when I'm riding [01:15:31] notification that Amazon $20, Amazon $30. Amazon $20. >> Yes, I have a conversation. >> Tell me what does that look like? that we don't need? >> And I'd be like, we need it. [01:15:46] use it, it's >> none of that was a need, by the way, on >> His work pants. Those were on there. >> Okay, I'm fine with that. Now, I'm not bought those. >> Girl, [01:16:00] >> My daughter's hair bows. Okay. Is she just not going to have bows in her hair? >> need a bunch of colored bows in the hair extensions. You did not need that >> You haven't even got to the the tax credit statement from her. [01:16:13] >> Oh, originally were going to come on. This was right after taxes had hit. She >> Yeah. >> For things that we needed. >> You don't. >> Oh, you don't. [01:16:27] >> I mean, I am. That's the thing. I have to look at the same four walls every credit card? The new balance is substantial. >> That was just um the the Chime whatever like kind of like the Fizz or Mine Card, [01:16:40] >> But the balance is still substantial. >> Anytime I would use my debit card, it would just be through that. Well, it's $3,45157. Now you're going in and getting some again. Energy drinks, used [01:16:53] gamers ups, Netflix getting Leavevel order. Sonic drive-in. Chick-fil-A. It's all Going in getting some Energy drink. Energy drink. Energy drink. Taco Bell Steak and Shake. Stars Entertainment. [01:17:06] Who the even gets that >> Cash advance. ATM withdraw of $300. What >> Hold on. That was for uh Oh, that was my son's children. Energy drink, Chick-fil-A, Texas Roar House, Emo's Pizza, Emo's Pizza, sunglasses, [01:17:21] concessions below, Dairy Queen, Shnooks, an energy drink. The spending on here is insane. This is crazy. And you do owe it. >> in order to be able to spend more on there, you do my energy drinks. [01:17:36] >> So, the ending balance in your time secured, this is the time secured card. Now, this is a separate one. The one that I think you were talking about is that I think you were talking about is $5,398. [01:17:49] forth. Listen, once you're ready to get back into the workforce and not be a surfer, please, for the sake of every man, I'll lot of people in the audience have used that that you can get in project [01:18:04] management and tech and the trades. Convert it into a six-figure job like incredible. Well, I'll get you that for free. You guys get a discount, but Okay. Equifax. What is this? Okay. So, this is your Equifax. What is this? A credit [01:18:16] your Equifax. What is this? A credit card. TBO Mail. That's milestone >> Okay. I'm being told you are practically the dumbest guest at sending statements we've ever had. >> Why are you over the limit? $581. [01:18:30] >> the limit is 500. >> Wait, wait, hold on, hold on. Uh, that might have been a fee. >> Why? Mispayment. It's a $40 fee. It's not a mispayment. It was a late payment because I'm an idiot and I didn't [01:18:43] realize that even if it's one day after the due date, they hit you with late. whole like month. You like you, you know. >> Yeah. >> You do. [01:18:55] happened twice. >> At the limit already. >> I'd like to see what you're spending on this, but you didn't send me the statements. >> I don't know. What? What is the nose [01:19:08] >> It's cle lip. Cle it. >> You're born with it. Yes. Is that a brain injury? No. >> Why the didn't you send us statements? statement for that one. >> Well, any of them. I have They're all [01:19:20] >> There are statements. >> The rest of this is all the credit report literally except for your time. >> They up. I emailed them. mean? >> I emailed the statements. [01:19:33] >> Yes, I did. Hey, you want to pull up the scent on my phone? I 100% did the email. >> Yeah, pull it up right now. >> Casting. It's on the casting. >> Really, Annie? Cuz there [01:19:47] >> Uh, that was the >> send to save your life. life if you couldn't hear. >> I'm the most person. didn't come through >> cuz you didn't send it. Yeah, that that [01:20:02] would that would do it. Wait, I'm being told you want to join the Air Force. It >> It's a possibility. >> What? How? You can't be a pilot. >> Well, that and >> Air Force Air Force is the only thing [01:20:17] >> What do you want to do in the air? Why do you want to join the Air Force? You have a good business going on. >> Because the off seasons suck for one, >> Because the off seasons suck for one, but also like I I want to make more [01:20:30] money on a consistent basis. Like, >> yeah, but you'll be away and all this >> Yeah, but once we get married, I only have to go to boot camp and then the job with wherever I'm at. >> Okay. So, [01:20:43] >> what do you want to do? >> Uh, something in like cyber security or intelligence, something like that. Something along those lines. injured and get the benefits. >> Oh, the benefits are great. But that [01:20:55] benefit, the disability, >> uh, VA loan, the boots to business, the be the person. >> You know it, buddy. >> You got it. >> If the system exists, man, why would you [01:21:07] >> Yeah. It doesn't mean you're not a piece of >> You That could sure fair. >> You're entitled to your opinion as I am >> That's a That's barely even an opinion. Abusing a system that's meant there to [01:21:20] >> Yeah, but it does help people. >> It does. So does food stance. Doesn't >> Which makes you a piece of >> No. >> Disagree. >> Oh, I'm glad. I'm glad you disagree. The [01:21:34] Hansen statements. That's who he cared about. His opinion. Okay. Um Atlas, we >> What the >> I don't know. It's Web Bank or ETLS or [01:21:48] Imagine. It's >> That's an imagine Visa. >> Yeah. >> And the minimum payment is $27. I'd love >> you can't It's hard for me to give the advice of like what to cut back on, [01:22:03] >> what you even spent on it to get it to that. It's hard for me to give any don't even know what your spending is outside of your checking and the time credit because you can't send statements. I can't I can barely do a [01:22:15] full I can do a budget at the end, >> but I can't say what to adjust from your current cuz I don't know what got you here cuz you can't send statements. >> I wish I would have told me. >> I said those on 62. I said those on 62. [01:22:29] didn't get any statements." >> We tell you. We tell you. >> You said you went over all of it on the phone. >> I don't remember. as you were going through the credit report line by line. [01:22:44] went through. >> We know that. >> So, I just don't I don't understand why the other statements didn't go through. I sent them the same way. Actually, no, they were not PDFs. They I screenshotted [01:22:59] them from my phone, cropped it, and I sent them an email as a picture. went to go send the pictures and you didn't select all the pictures that you needed to send. This would be my guess. >> Dude, I don't even know what to do with [01:23:15] collections. Applied bank. >> That's a credit card. >> Yeah. >> Why? >> Uh, so that would be whenever I tried to buy the company. Um, [01:23:27] >> $525. That's all that's in collections? >> No. Um, I tried to buy the company. I was working for salary for this guy for 60,000 a year. I had a a credit card. I >> 2 years ago. >> You didn't file your taxes? [01:23:41] >> And you were on benefits? Well, he made $60,000 a year. >> we're not going to last another 250 years. >> Yeah, I don't think she was on. >> You guys had no benefits whatsoever. [01:23:54] >> No, not you say so. >> But I was clearing like a,000 bucks a >> It was >> But so I basically lifestyle inflated. I credit card. I was making the payments on all of them. Then [01:24:07] >> No, this is pre pre- buying the business. So, I wanted to buy the for like three years at this point, cashing the checks. So, I'm like, "You know what? I can start my own company." [01:24:21] And I'm like, "Okay." So, he tells me what he wants for it. I don't have the best credit. I contact uh SBI uh loan advisor. It was like 120,000. Okay. For >> Sure. >> And so I contact the SBA lender. She [01:24:38] you know, everything where it needs to be. And she's like, "Well, you need a co-signer." And I'm like, "Okay, well, I could try to find one." So I reached out even if I offered them like, you know, monthly payment or percentage or [01:24:52] "Yeah, I'll do it. Bring me a business plan. show me all the, you know, what they're doing. And I'm like, "All right, cool." So, we get going, go back to her. She's like, "We could do it. It's going to be a variable rate loan." [01:25:07] about a variable rate loan." I talked to another guy. He said the same thing. So, then my old boss was like, "Well, go to my bank and ask my lender." And so, I go approved? >> I didn't. Well, okay. [01:25:22] me an option. and he said, "Do this, this, this, take care of these on your credit report, and we'll talk, we'll get it done." So, it takes me like 3 weeks. I get everything paid off. I go back to him and then he's like, "Yeah, we're not [01:25:34] >> Okay, wonderful. So, great. Uh, uh, TBOM. Um, you still owe on it. It's not TBOM. Um, you still owe on it. It's not in collections, $1,550 $1,55. It's a credit limit of a,000. Minimum payment $53. Don't know why the it's over the [01:25:48] limit. Cancel your spending. And that'll be kind of what's happening. This is a was for cuz it's a part of the collection agency now, but it's 850. things were in collections, though. >> Uh because I [01:26:03] >> That was my question, by the way. >> Because once I couldn't get the loan for marketing. I had already started marketing for my business. And I >> No, because >> How else are you No, it was planned to [01:26:16] the banker made it sound like if you get these things done, we will do the loan. >> I was prepping, rolling, getting trying to make sure that as soon as we hit the >> And so, >> yeah, I keep defending it. [01:26:30] >> Here's the other thing. My cousin comes up to me who's been roofing for like 15 years. And he goes, "Look, you do the lawn care stuff. I'll handle we can open a roofing side of this company as well, and I'll be the project manager [01:26:42] this money behind marketing before you own the business." talking about? I get the roofing supplies. I get the roofing materials. We start doing some roofs. >> Okay. So, everything is taking off. I [01:26:56] tell my boss, "Hey, I have to quit. This roofing stuff is going along. I'm taking on landscaping jobs. I don't have time to dedicate to your company and my business." So, I put in my two weeks. >> And then turns out my cousin who told me [01:27:10] roofing had no idea what he was actually doing. Couldn't project manage anything. >> Yeah. So, >> I don't know what the have a job. didn't paid. You asked how that happened. There you go. That's how it [01:27:24] >> Okay. Student loans. Who's this for? >> Me. >> Me. >> Okay. It's not huge. What's the What's going on with it? >> I went to do uh [01:27:37] had a >> You haven't made a pay. >> I had a PE or a FAFSA. >> WG everyone WGU man. >> I ended up dropping out. Um, >> Western Governor's University. It's like [01:27:49] >> Western Governor's University. It's like >> Okay. Uh, $2,437. What are you making payments? happened with it. >> Well, you would have requested it at [01:28:02] >> Yeah, I did like a I don't know, two years ago. I have no idea what's going actually might you and they'll put it in default like 11% of student loans out there. So, >> call them. Again, it's hard for me to [01:28:15] give advice without actually seeing because you won't give us But cuz you're Okay. Collections. Your student loan payment, by the way, >> Um >> I'll look into that then. [01:28:28] >> Yeah. Look into everything actually would be preferred cuz then I don't have information. Okay. Collections 3,420. Probably for the roofing The >> No. One was a personal loan for was that OVNV funding? [01:28:40] >> Yeah. Yeah. Three of them are. >> Yeah. One was for like carpets for the guys getting on the home. All you have to do is scam the system. You know, >> No, we bought that like 10 years ago. >> Yeah, we bought it before we started [01:28:52] happened. >> Wait, what? Huh? You only owe 443,000. >> 4,300. >> Or 3,400. >> Oh, yeah. 5,0009. >> We bought it brand new in 2016. [01:29:07] >> Yeah. >> Oh, you Okay. Okay. You guys are not >> Yeah. >> Yeah. Not a home. >> You own a trailer. It's a depreciating asset. It's a house. You don't own a [01:29:20] >> No. >> Okay. And this isn't That's not >> You'd be surprised what they sell for. >> It's It's better than before. I'll give value. And you definitely don't own land. [01:29:33] >> Affordable hous >> child support enforcement. >> Yeah. So, that was supposed to be written off um whenever credit. The payment is 100 bucks a month. [01:29:46] >> 7,749. >> It was supposed to be whenever I was getting that loan, my ex wrote um when I filled out a form to get that stuff taken off of my credit report. Um and [01:30:02] have we have 50/50. >> I pay her. >> Let's let that go to collections. Okay, this Amazon card, $139. Yeah, that'll just be paid off with one payment. So, not going to worry about that. Upstart, [01:30:15] >> Yep. >> Yeah, that's wonderful. >> Listen to him for advice. $52 >> first premiere in collections. >> first premiere in collections. >> May 49 or 658. [01:30:30] >> This is what you want to be with car. Hey, it's active. What is it? What do we What's >> It's a car. >> It's a vehicle. Yes. Okay. What is it? >> Uh 2003 [01:30:44] Ford F250. >> Okay. Oh, okay. How is it? >> $8,22. >> Does the job. >> Payment 332. I don't know the interest rate. I don't [01:30:57] >> 25%. Why? Well, cuz you have a chance of responsible adult in any aspect of your life whatsoever. >> Yeah. 25. >> Of course. You just got to pay for each [01:31:09] other. You guys, I've honestly given up on your yours life. So, it's a t typical 5,000 bucks. >> You have to do No, it's less than that. It's great. Well, you owe 8,000 at 25%. So, [01:31:22] you live life is kind of pathetic. Your worldviews are kind of pathetic. It's just like what hope is there? Little. But, let me try to do a budget, I guess. this will consider a mortgage because it's not really a mortgage it's loan not [01:31:36] >> it's a lot >> I mean it does depreciate $1,15 yes it does depreciate >> 100% but we're going to get all of our money back and then some once we sell it so at least we had a vehicle for 11 [01:31:52] years I'm not I'm not trashing that I'm just I can't give it the benefit of real >> okay you're right it's not >> it's like personal property, right? Yeah, personal property. >> Whatever. I don't care. Uh income. Are [01:32:06] you setting 30% aside for taxes >> uh this year? No. No. cuz you should be >> all my deductions. There's no way. >> Yeah. I would I would love to see you get audited. What is your rent to the [01:32:20] >> 410. >> Okay. Utilities and everything. Does that come with it? >> Uh no. All utilities combined plus >> Just uh electric's 180. Enter. That's 50. [01:32:38] >> Woo. Why? >> She has a new phone. >> When you guys are done, I would just switch to Helium. It's 15 bucks a line. It is so good. There's kids lines as [01:32:50] like zero bucks, by the way. It's same coverage as like T-Mobile and stuff. So, have to pay off your phones first. Gas. Vroom vroom. Drive. Drive. How much? >> average >> uh I mean last month I spent $3,700 on [01:33:05] >> Okay, perfect. Car insurance, how much? >> Uh that is $250. >> Uh it's included in the >> included. Okay. Uh necessary food. It is [01:33:17] you guys like a,000 bucks. Think should be fine. You're just meal prepping like >> I want to I want to meal prep because I spend $10 a day. Yeah, you do. It's >> On flatbreads. >> TP find anything else you and your kids [01:33:32] toilet paper. It's school supplies, whatever. Changes month to month. The co-pays on a monthly basis. >> Um, I don't go to do I don't do anything. So, no. >> Okay. I guess we're on government. Yep. [01:33:45] Okay. Subscriptions. I'll try 50 bucks. 60 bucks cuz you know the kids and have the dog. Just the dog. >> Uh, we have two dogs, two cats. >> Okay. >> Yeah. That's $200 for pet insurance. You [01:33:57] can't afford what? You don't care. >> I'm not doing no pet insurance. >> No, he he literally doesn't care. >> The same way that I do Okay, like we talked about the upbringing when I grew up like animals were just like pets. [01:34:10] >> Hey, guess what? How you grew up? >> They're pets. was not good. Maybe you become a decent human. >> That's weird. Pet food. How much? >> Uh, [01:34:22] written down. >> We went over it and I would say like for >> litter and food I would say like 200 a month >> litter of food between both cats both dogs and the litter [01:34:36] >> litter box >> Oh gym 75 nice that's good. >> Oh okay. >> Okay. 80 [01:34:49] kickboxing. >> That's in the TP fund. Okay. >> Where you put it is where you put it. >> $150 a month on a trailer that I own. >> Well, that's a debt, right? >> For work. Yeah. [01:35:01] >> Why didn't I have that debt? >> Uh, it's probably cuz it's like a rent >> I don't know if it pops up on your credit. >> No, probably not. Okay. Anything else? >> Um, oh yeah, $240 a month for her [01:35:18] >> Blowout. >> My portable breathalyzer. Oh, 240. >> Well, you do have to do that. >> And then $600 a month to her >> Yes. >> Why? [01:35:31] DUI. >> They have said several times that at about >> Oh, no. No. What's the balance you owe? >> Uh, I just paid them 500 like 2 days ago. So, for how long? [01:35:44] >> So, there we go. Add three to the debt. 8,000. >> And hey, the rent the rent to own. How much is that? the trailer. >> How much do I owe on it? Uh like 1,200. >> Okay. I have to add that to your debt. [01:35:56] Okay. If if $7,000 comes in and we save no money for taxes, you technically have wiggle room like 1,500 a month. I'm going to guess cuz your guys' budget is messy and weird cuz I don't know your your income's. But if you actually set [01:36:09] you'd be fine. I don't know. Your debt situation, you owe like 18,000 to the >> Eight. Okay. Me. few years ago. They cosign for it. So, >> Oh, good. Why not? So, what's your debt? [01:36:23] Like 32,000 actually in reality. I don't know. Again, it was a mess. You couldn't send us 1,500 bucks a month. You guys will be debtree in less than 2 >> I have no debt outside of whatever's on that credit report. [01:36:35] >> No, you have the rent to own and you have the family debt. >> Okay, that's fine. Collections has not been time. >> Whatever, guys. Okay, less than 2 years. [01:36:47] if you don't give me the actual and I can't see the statements. So, what a better cuz I'm actually going to go through something fun. Whatever is excited to see it. Let me tell you, it's going to be crazy. Join Hammerly. Let's [01:37:01] get your hammer financial score first. Your real one. Spending in a budget can't tell your spending. So, X, go yourself. How common is a zero cuz you collection. 0 out of 10. Emergency fund, dancy savings, no [01:37:15] >> Retirement zero. Retirement zero. Real estate. You don't own land. You don't >> Okay. Hammer financial score 010. I don't give a Let's go to the post. This Hammer League. Three premium shows. Better than the last 20 minutes. That [01:37:27] piece of I'll tell you that. Uh every single day, 6 days a week. It's button or link in the description below. Or you can go off platform.com or join in the Hammer Elite app. See you there. >> Oh, lots of messages from people. Some [01:37:42] women, some men. He asked, "What are you comfortable with? Nudes in the bath good full body titties ass late. What? >> Yeah. What the is that? >> She said I know I said knows about it, but he doesn't. Lol. [01:37:56] delete them from chat just to be safe? >> Crazy. >> I'd rather somebody else. >> It's not very I go work 12, 13, 14 hours a day. [01:38:09] >> WHAT IS THIS? I JUST launched the brand new Hammer Elite app available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a [01:38:23] friend after you sign up and you get an additional 30 days of Hammer Elite Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join.