Financial Audit's Most Evil Husband

[00:00] I don't trust him with our kids.

[00:01] >> That's not the greatest thing to hear

[00:03] from our wife.

[00:05] >> But he did tell Lindsay something before

[00:06] you were supposed to come on. He's has

[00:09] an out plan.

[00:11] >> I'm living alone and the kids will go to

[00:13] you for a week. That is that is

[00:15] literally the plan. That's called

[00:17] divorce.

[00:18] >> I have an exclusive offer just for you,

[00:21] but there's only one week left to

[00:23] purchase. You'll get lifetime access to

[00:26] the entire Hammer Elite catalog and my

[00:28] Hammer for Life box packed with limited

[00:30] edition merch. Plus, I just launched the

[00:32] brand new Hammer Elite app, available on

[00:35] every major platform. To celebrate the

[00:37] app launch, I'm offering 30% off the

[00:39] annual plan in the month of June only.

[00:42] Download the Hammer Elite app by using

[00:43] the link in the description or pin

[00:45] comment down below. This is the best

[00:47] membership you'll ever join, and that's

[00:49] a promise.

[00:51] >> Hi, I'm Callie. I'm 28. I'm Drew. I'm

[00:54] 29. We're from the Dallas Fort Worth

[00:56] area

[00:56] >> and this is Financial Audit.

[00:59] >> Welcome. Thanks for coming down to

[01:02] Austin guys.

[01:04] >> Listen, no, you're welcome. You're

[01:05] welcome. I I know I need to be a part of

[01:07] this conversation. I looked at the note

[01:09] for the episode. Don't know much else

[01:11] about y'all, but I know one of you says,

[01:13] "I'm the financial audit of the

[01:15] relationship," which I've never heard

[01:16] that before, and I need Caleb to help me

[01:19] essentially reaffirm that. who is

[01:21] financially auditing each other in this

[01:23] relationship. I don't know. As the

[01:25] financial audit guy, by the way, I do

[01:26] not financial audit my relationship. I

[01:28] don't know how long my relationship

[01:30] would ask if I was financially auditing

[01:32] and Caleb hammering my own relationship

[01:34] on a daily basis. I think she would

[01:36] murder me. Who's financial auditing each

[01:39] other? And who's murdering each other?

[01:41] >> So, I'm trying to financially audit

[01:43] Cali.

[01:44] >> Okay, good luck.

[01:46] >> Yeah, I need it.

[01:47] >> So, what's going on? What? What? What

[01:49] are you financially auditing? Cali, are

[01:50] you guys married?

[01:51] >> Yeah. Get some baselines.

[01:53] >> I said no.

[01:54] >> How the are we disagreeing on marriage?

[01:57] That doesn't make sense. That immediate

[01:59] I'm going to be honest. What the

[02:01] >> Okay, we're not legally married. We are

[02:03] quote Texas common law married. We have

[02:05] >> Okay. So, what do you what do you guys

[02:07] call yourselves?

[02:08] >> Husband and wife.

[02:09] >> Husband and wife. Yeah.

[02:10] >> Then what do you say? No, you're common

[02:12] law married.

[02:13] >> From like a legal standpoint,

[02:15] >> you got the common law protection. You

[02:17] establish it. common law married.

[02:18] >> Okay, then yes, we're married.

[02:20] >> Okay. How long have you, I guess, been

[02:22] together?

[02:23] >> Um, we've been together for like 8

[02:25] years.

[02:25] >> Yeah, about 8 years, I think.

[02:26] >> Why the don't Why not just get married?

[02:29] >> Um, number one, very expensive.

[02:31] >> Not really. Go to the courthouse.

[02:33] >> Okay. I wanted I would I offered that

[02:35] and then his parents said that his

[02:38] parents

[02:38] >> we should have one for the family to

[02:40] bring.

[02:40] >> Okay. So, now we just have none at all.

[02:43] Should be your response to the parents.

[02:45] I mean, you guys are doing I pulled up

[02:47] to work all happy, all excited to get

[02:50] here, get myself a cup of coffee, and I

[02:52] saw you guys flinging dirty diapers in

[02:54] the parking lot. You guys are breeding.

[02:57] >> You ain't married, common law. You guys

[02:59] have been together, but you're breeding.

[03:00] There's children in my office.

[03:03] >> I don't know how many, but there's

[03:04] noises. As I was going out there right

[03:06] before filming,

[03:07] >> how many kids y'all got together?

[03:09] >> Three.

[03:11] >> Oh [ __ ] And you can't even get married?

[03:13] That's weird. How old?

[03:15] >> Um 6 20 months and 6 months.

[03:17] >> What?

[03:18] >> 6 years old. 20 months and 6 months.

[03:21] >> Okay. Why? Why? 20 months. That's the

[03:24] >> He's not 2 years old.

[03:25] >> He's basically

[03:26] >> Say that to him.

[03:28] >> I Okay. He's basically two. You argue

[03:30] with

[03:30] >> I lost track of the months. I just say

[03:32] that he's going to be two in September.

[03:33] >> No, you don't. You go. I don't like

[03:35] that.

[03:35] >> Okay. So, 6 years, 20 months, and 6

[03:39] months.

[03:39] >> Yeah.

[03:40] >> Okay. So, well, we're on a roll. Well,

[03:42] it sounds like you guys are pumping them

[03:44] out quickly. Now, is is there a fourth

[03:46] one coming? Because you went from 20

[03:47] months 6 months.

[03:49] >> No,

[03:50] >> it's on the table, but we're years away.

[03:53] >> See, again, you guys aren't aligned.

[03:54] What? What? What?

[03:55] >> Well, you say if if you ask if another

[03:57] one's coming. I'm assuming like right

[03:59] now. No, we're not.

[04:00] >> You're about to turn 30. When's the

[04:02] years away? You know what happening?

[04:04] Okay. Well, you'd be okay, I guess. But

[04:06] just start heading towards the cliff.

[04:08] >> Well, yes, I guess. Well, it's just if

[04:11] we're making plans, right? I don't know.

[04:14] >> Yeah.

[04:14] >> Are you raw dogging?

[04:16] >> Yeah.

[04:17] >> Okay. So, I don't think it's necessarily

[04:19] 5 years away.

[04:21] >> Could be if we plan it right.

[04:23] >> Oh, absolutely. But it could happen at

[04:26] any time. It's happened on this show.

[04:28] It's likely. Were all them intentional?

[04:30] >> Um,

[04:31] >> exactly.

[04:31] >> No.

[04:32] >> Exactly.

[04:33] >> No.

[04:33] >> And neither was I. This is biology.

[04:35] Welcome to Come. We just recently

[04:39] combined everything.

[04:40] >> 8 years in.

[04:42] >> Yeah.

[04:42] >> Well, I think I understand the why you

[04:45] guys broke up and then you found out

[04:47] you're pregnant, so you're just like,

[04:48] "A, we'll do it."

[04:49] >> Well, no, we got pregnant after we got

[04:51] back together.

[04:52] >> Okay.

[04:53] >> But no, we just recently combined

[04:56] everything. Um, and so with that, he's

[04:58] trying to have more control over it. And

[05:00] I don't like that cuz I haven't had to

[05:02] do that my entire life. Have I had to

[05:05] ask someone, can I go buy this?

[05:08] Um so

[05:09] >> because I'm married, it's not

[05:11] necessarily permission on everything,

[05:13] but it is a conversation whether or not

[05:14] we can afford it in the budget in order

[05:17] to hit the goals that we're trying to

[05:18] get to as a couple.

[05:19] >> That'd be correct if um that was shared

[05:23] with the class.

[05:23] >> If what? Share your [ __ ] Tell you share

[05:25] with the class what the I'm trying to

[05:27] get some insight. Tell me.

[05:28] >> Tell you what,

[05:29] >> what's going on? Why are you saying

[05:30] that? What does that mean?

[05:32] >> I have no clue. So, in all honesty, I

[05:34] >> What is going on then for you to say

[05:35] that? You just have no insight. Is that

[05:37] what you're trying to tell me?

[05:37] >> No, I don't.

[05:38] >> Okay, that's what you got to say.

[05:40] >> Okay. So, why?

[05:41] >> Because he puts it all in a little black

[05:42] book while he works overnight and then

[05:44] doesn't tell me about it and or it's on

[05:46] an app on his phone now and then doesn't

[05:49] show us like the budget. Doesn't show me

[05:51] the budget. We don't have any

[05:52] conversations about it. Ask.

[05:54] >> Well, it's not that she It's not that

[05:56] she can't know. We have conversations

[05:57] about it. I'm not trying to hide.

[05:59] >> She's saying everything that's going on.

[06:01] She's But okay. Well, what

[06:03] >> he doesn't actively try and I've told

[06:05] him multiple times, we need to schedule

[06:06] a time like on a Sunday, sit down, fix

[06:08] our budget, plan out like meals and

[06:10] stuff together, and this is what we need

[06:12] to do, like plan out our grocery list

[06:14] and all of that good stuff. But he has

[06:17] yet to like try that. I'm still the one

[06:20] making the grocery list.

[06:21] >> Wait, but he he was saying in the pre-in

[06:24] that it's all your fault. You weren't

[06:25] even supposed to be on. We just luckily

[06:27] convinced you to come on because he was

[06:29] saying it's all your fault and all your

[06:30] spending. But you're saying he's not

[06:32] willing to put in the effort or try.

[06:35] >> But then he makes like massive payments

[06:37] on cards and then I don't

[06:38] >> cards. Well, yeah. Paying off debt.

[06:40] Wouldn't that be good?

[06:42] >> Correct.

[06:42] >> What's wrong with that?

[06:43] >> But if I don't know about it in our

[06:45] budget and I'm planning to like grocery

[06:46] shop and then money goes out and then I

[06:48] don't tight it. What do you guys do?

[06:50] What do you What do you do for work,

[06:51] Kelly?

[06:51] >> So, I work in real estate.

[06:53] >> Well, in what context?

[06:55] >> I work in management. Property

[06:56] management.

[06:57] >> Okay. Okay. That that could make money.

[06:59] I don't know.

[07:00] So, what do you make?

[07:01] >> I make $96,200 a year.

[07:04] >> Okay, go yourselves. How possibly are we

[07:07] talking about? We made a payment on a

[07:09] car. Now, we don't know if we can get

[07:10] groceries if half of our income is

[07:13] $96,000 a year. Die. What the is wrong

[07:16] with you? That's that you're acting like

[07:18] children. If you're saying making a

[07:20] payment on a card prevents you from

[07:21] getting groceries, you're being

[07:23] children. It doesn't prevent, but it

[07:25] does kind of throw things off when I'M

[07:27] NOT

[07:27] >> NO, NOT enough for half the income.

[07:30] >> I'm not on the Wells Fargo account. I'm

[07:32] not on the MX account. And he goes he

[07:34] goes and does stuff with the MX and

[07:36] makes a payment with the Wells Fargo.

[07:38] >> The problem is that Exactly. Like you

[07:40] said, no communication.

[07:42] >> We We make money. We have sat down and

[07:44] built out a budget and then the second

[07:47] life starts happening, we just throw the

[07:49] budget out the window and it's hundreds

[07:51] of dollars towards this, hundreds of

[07:53] dollars towards that. Stuff that's not

[07:55] in the budget, stuff that we don't

[07:56] actually need.

[07:57] >> What What are we getting that we don't

[07:58] need? Who's getting what we don't need?

[08:00] How often?

[08:01] >> You're crying and complaining that you

[08:03] couldn't get groceries, but you're

[08:05] getting [ __ ] you don't need. So that's

[08:06] that's not the same thing.

[08:08] >> It's not the same thing.

[08:09] >> What is she getting? What is she doing?

[08:10] >> God, I mean, it's everything. It's

[08:12] clothes for herself. Um, you know,

[08:15] shoes. I don't even know what she's

[08:16] getting on Amazon, but [ __ ] just keeps

[08:18] showing up almost every single day. And

[08:21] then not to mention all all the new

[08:23] hobbies that she picks up. Have you ever

[08:25] seen how expensive pottery is pottery?

[08:27] >> Oh, why the are you picking up? Listen,

[08:29] I mean, do a hobby. Hobbies fine. You

[08:31] guys make money. You can get a hobby,

[08:33] but you got to have a fully funed,

[08:35] emergency fund, and no bad debt,

[08:36] >> right?

[08:37] >> And even if you even if you have those

[08:39] things, stick to a hobby. Don't hobby

[08:41] hobby. You're a hobby hopper.

[08:42] >> I am a hobby hopper.

[08:43] >> If you're a hobby hopper, you can't

[08:44] afford to be hobby hopping. You should

[08:46] be able to at 96.

[08:47] >> Set hobby, but I set out to learn

[08:48] something new this year. And I wanted to

[08:50] learn

[08:50] >> new this year. Okay. How many new things

[08:51] is she learning this year?

[08:53] >> This year, I think it's just the pottery

[08:55] so far.

[08:56] >> Okay. Well, how much is it cost? 96. You

[08:58] should be able to do pottery. You can do

[09:00] pottery. 96.

[09:01] >> Pottery is very expensive.

[09:02] >> 96. You can do it. You alone are making

[09:05] more than the median household income in

[09:07] the DFW area in the United States.

[09:10] >> We should be able to afford that. I

[09:12] agree.

[09:12] >> You can if you're not it all up.

[09:14] >> And on all the Amazon packages, my good

[09:17] sir, that's all for work currently.

[09:19] >> That is not all for work.

[09:21] >> All of the packages that are

[09:22] >> the ones that are coming the ones that

[09:24] are coming right now are for work. Your

[09:26] company's paying for that. But over the

[09:28] last I bought one.

[09:30] >> Why do you refuse to show them your

[09:31] Amazon account though? I'm being told

[09:32] that. I've you pull out my phone. We can

[09:35] pull it up right now. You can have it,

[09:36] buddy.

[09:37] >> Why have you refused to show it up until

[09:38] this moment, though?

[09:39] >> Never refused. I've gone through it.

[09:41] >> Why are you saying that then? Why are

[09:42] you telling Why are you telling Lindsay

[09:44] that you refuse that she refuses to show

[09:46] you?

[09:46] >> I think it's because she doesn't want me

[09:48] to see all of the stuff.

[09:49] >> If she's saying she doesn't refuse,

[09:51] though so

[09:54] now if she would if she would ask if I

[09:56] would ask.

[09:56] >> No, we'll look at that later. But you

[09:58] specifically told us that she refuses to

[10:00] show it, but she's saying no. No, no. I

[10:02] don't refuse.

[10:03] >> He's never asked. He's never said

[10:05] anything.

[10:06] >> So, you're saying he refuses to show you

[10:08] the finances? She's He's saying you

[10:10] refuse.

[10:11] >> I've asked. That's the difference is I

[10:13] ask. I say, "Hey, what are we like what

[10:15] what are we what's our budget?" And then

[10:17] he wants to throw out that I go and buy

[10:18] all these clothes. He has set a $100

[10:21] like clothing fund within our budget.

[10:24] And I don't ever

[10:25] >> every single month,

[10:26] >> right? But I've only bought one outfit

[10:29] for myself in like 2 months.

[10:32] >> Absolutely not true.

[10:33] >> I bought a shirt, a pair of pants, and

[10:35] then last month I bought two dresses.

[10:37] >> Okay, how about last month when we That

[10:39] might have even been just 3 weeks ago,

[10:42] we went to the sporting goods store.

[10:44] >> I bought a bathing suit and a bathing

[10:45] suit cover up.

[10:46] >> $400.

[10:48] >> And then we bought a couple of things. I

[10:50] And that's honestly because the store we

[10:51] went to, that's very expensive. I bought

[10:52] a bathing suit, a bathing suit cover up,

[10:54] and then a workout outfit.

[10:57] for the gym. Like that was it.

[10:59] >> It was $400.

[11:01] >> It's Well, you can't wear your bikini

[11:04] out in the middle of public, right?

[11:06] >> Who?

[11:07] >> Um public indecency laws.

[11:09] >> Is this true?

[11:10] >> That is not true.

[11:11] >> I've live Well, Lifetime has the rule

[11:13] that you can't walk out in out of like

[11:15] the dressing room.

[11:16] >> Okay, whatever. That's that that's not

[11:17] the big point. Okay, you complained. You

[11:20] you made the excuse it was dependent on

[11:22] the store. Why'd you go to that store

[11:23] then? That was just what was closest to

[11:25] his parents house and we were going

[11:27] >> if you're going to go to another place.

[11:28] >> Well, I mean

[11:30] >> the entire excuse for that which by the

[11:32] way again you guys can afford a $400

[11:34] purchase. We we haven't even talked

[11:35] about your job. You

[11:36] >> should be able to.

[11:37] >> Median household for your metro $70,000.

[11:40] Yeah.

[11:40] >> You make 94. You not even him included.

[11:44] What do you do for a living?

[11:45] >> I work in public safety.

[11:47] >> Public safety usually pays well these

[11:49] days. What do you make?

[11:50] >> Uh so I make a shade over $50 an hour.

[11:54] Guys,

[11:57] what the are we doing? What does that

[11:59] translate to?

[12:00] >> Around 107 annually.

[12:04] >> You make $200,000 a year in an area

[12:06] where the median household income is 70.

[12:09] And you're telling me you can't get

[12:10] groceries? You shouldn't even be

[12:12] freaking out about a $500 purchase. How

[12:15] have you guys this up so bad? And then

[12:17] you guys don't even have the same

[12:20] conclusion in the end about what it

[12:23] looks like today or how it's gotten

[12:24] there.

[12:25] >> What the has happened. Yeah. Lack of

[12:28] communication. But I don't know which

[12:29] side's correct if any.

[12:31] >> Well, it's not just a lack of

[12:32] communication. We have spent so long

[12:34] living above our means that

[12:36] >> above 200 a year.

[12:38] >> Well, it wasn't always 200. That's only

[12:40] been in the last year and a half or so.

[12:42] >> What? Year and a half is great. So even

[12:44] still last year and a half let's say you

[12:46] lived above your means before that last

[12:48] year and a half you should be able to

[12:49] pay that down.

[12:50] >> So what the are you doing? What is what

[12:53] is

[12:53] >> I think it's just mismanagement of money

[12:55] to be honest

[12:56] >> from

[12:56] >> from probably both parties.

[12:58] >> What' you say both parties to an extent?

[13:00] Yeah.

[13:01] >> Okay.

[13:01] >> I spend but he doesn't communicate what

[13:04] we need to pay and when and how those

[13:06] payments are aligning. Like I know that

[13:08] he has set up how we're going to what is

[13:10] it your payment method for like paying

[13:13] things off.

[13:14] >> Oh the avalanche.

[13:15] >> Oh is avalanche. Okay. Yeah that doesn't

[13:17] work if we spend more money on them

[13:18] anyway. So he's probably not doing

[13:20] avalanche. I don't know. People have

[13:21] this in their mind then they don't even

[13:23] touch it. Yeah was the plan. Immediately

[13:25] spent only did the minimum payment on

[13:27] the top card and then spent double the

[13:30] balance that was already on it. So

[13:32] avalanche you. What are you talking

[13:34] about? There's no avalanche. How do the

[13:35] financial conversations go in this

[13:36] household?

[13:37] >> Not well.

[13:38] >> Tell me.

[13:39] >> It ends in a fight. Always. Um, he

[13:43] thinks he's right. I think I'm right. We

[13:44] butt our heads. And then

[13:46] >> what's the perspective? Tell me. Give me

[13:48] like the most recent example. So my plan

[13:51] is we discuss how much is going to come

[13:54] in. Our um our income is pretty set in

[13:58] stone with the exception of any overtime

[13:59] that I get. That's just extra. Um, and

[14:03] so then we can build out, you know, if

[14:05] we're going to spend $1,000 on groceries

[14:07] every month, uh, we know what our

[14:09] mortgage payment is going to be, we know

[14:10] what the car payments are going to be,

[14:12] we know what our utilities are going to

[14:13] be, and then we should have x amount

[14:16] left over to in this case or given our

[14:19] circumstances, we need to be able to

[14:21] apply that to the debts, but instead it

[14:25] just gets spent on other things.

[14:28] And then the conversations are usually

[14:31] well you know we have we have to do this

[14:33] this is coming up we need to make sure

[14:36] that we can put this money towards this

[14:38] or the second we get any unexpected

[14:40] money instead of applying that towards

[14:42] our existing debts it's I think we

[14:45] should do this with it instead

[14:47] >> but that's always a conversation and he

[14:48] typically agrees to it. It is never me

[14:51] deciding.

[14:52] >> What do you mean? How did that turn into

[14:53] a fight? I said for a recent example,

[14:54] but you guys say you're fighting. What

[14:56] was

[14:56] >> Because we argue about where money goes

[14:59] and then he gets angry about what I

[15:00] spend money on. So if I go and buy my

[15:03] daughter something, he gets he will

[15:06] argue about that. Um or that she doesn't

[15:08] need this.

[15:08] >> That's an example is what I'm asking

[15:10] for. That's what I asked for, guys. Come

[15:11] on.

[15:12] >> He went and bought clothes.

[15:13] >> Clothes. Okay. $890 of clothes.

[15:16] >> Yeah, it's expensive. Expensive. You

[15:19] should be able to afford it in your

[15:20] budget though. You should be able to.

[15:21] What was the argument?

[15:22] >> It It wasn't budgeted. She said, "I'm

[15:24] going to go to Target. I'm going to get

[15:26] a couple of clothes for the kids."

[15:27] >> I said, "I'm going to get all summer

[15:29] clothes because they all need it. They

[15:31] are all in the next size up at the very

[15:33] same time."

[15:34] >> And then without any further

[15:35] conversation, it was I'm buying their

[15:38] full wardrobes for the next four to 6

[15:40] months when we don't have that kind of

[15:42] money available.

[15:43] >> That doesn't make sense. You don't pay

[15:44] for that. Six shirts for my

[15:46] six-year-old. Four pairs of pants, two

[15:48] dresses, and a pair of shoes and

[15:50] underwear.

[15:50] >> Damn. Why'd you got to get so much in

[15:52] one go?

[15:53] >> What do you mean? It's There's seven

[15:55] days in a week.

[15:56] >> She didn't have anything else, and

[15:57] there's no hand-me-downs from the

[15:58] previous.

[15:59] >> She's the oldest.

[16:00] >> There's no family members. I don't know.

[16:01] So, there was no confirmed. There was no

[16:04] other clothes for her to wear.

[16:05] >> Her closet's full. She's borderline 40.

[16:07] What do you mean it's full? Half her

[16:09] butt is hanging out in her bike shorts.

[16:10] Her shorts are her shirt lifts up and

[16:12] shows her tummy whenever she's out. Do

[16:14] you really want her walking around with

[16:15] her belly and butt out?

[16:17] >> She's obviously not.

[16:18] >> No, she's very lean, but she's very

[16:20] tall. So, like the skirt we bought her

[16:23] four months ago, or I mean 6 months ago

[16:25] at this point, doesn't fit.

[16:26] >> Then why in this moment did you text and

[16:27] call him and say, "Ied up."

[16:29] >> I texted him at checkout and was like,

[16:31] "Okay, I that is not literally my text.

[16:36] I up." And he said, "Oh,

[16:38] >> did you though? Cuz right now you're

[16:39] saying you clearly did."

[16:40] >> I don't think I did. I don't think

[16:41] >> Why did you text me up? because I knew

[16:43] he'd be mad about the cost. But then he

[16:46] doesn't ever go buy their clothes.

[16:47] >> What store?

[16:49] >> Target.

[16:50] >> That's not unreasonable.

[16:52] >> Like I wasn't going to Justice. I wasn't

[16:54] going to

[16:55] >> I don't know what that is, but it's a

[16:57] girl store.

[16:57] >> Well,

[16:58] >> I wasn't going anywhere crazy. It's

[16:59] Target and it was $5 Cat and Jack shirts

[17:01] and bike shorts.

[17:03] >> Yeah. I'm not saying that the entire

[17:05] purchase was completely unreasonable,

[17:06] but maybe a little heads up that we're

[17:08] spending almost $1,000.

[17:10] >> Heads up was fine. Did he know? Did he

[17:13] know you were going?

[17:13] >> He did know. I I told him I'm

[17:15] >> So, what was the What did he think was

[17:17] happening?

[17:18] >> He probably thought I was going to spend

[17:19] like $200. But then again, had he ever

[17:23] gone and bought clothing for our

[17:24] children, he would know.

[17:26] >> Is that what you all have negotiated

[17:28] responsibilities around the house?

[17:30] >> No.

[17:30] >> Okay. Cuz I'll be completely honest, in

[17:32] her pre-in she says you're lazy around

[17:33] the house, that you check out at the

[17:34] house, that you just show up and you're

[17:36] just a bad uh

[17:38] >> partner. Yeah. That Well, that is what

[17:40] she said.

[17:41] >> Yeah. I I'm not perfect, but

[17:42] >> Well, not perfect. I mean, she made it

[17:44] sound a little worse. Like, you just

[17:45] don't contribute. So, like, yeah, you

[17:48] wouldn't have any perspective in buying

[17:50] clothes and whatnot if you don't help.

[17:53] >> Like, when was the last time you went

[17:54] and bought them clothes? Give me an

[17:56] actual time, a time frame when you went

[17:59] with me or whenever you went and bought

[18:01] them yourself.

[18:02] >> I don't know. I mean, in the last 6

[18:03] months or so, I've been there or went

[18:06] and bought

[18:07] >> you pair of shoes a month ago and before

[18:09] that. Can you give me another example?

[18:13] >> Not off the top of my head. No.

[18:14] >> Okay.

[18:16] >> What is this lack of helping around the

[18:18] house then? Cuz that's going and buying

[18:20] clothes. But I want more perspective

[18:22] into this.

[18:23] >> So he works nights. Um so on those

[18:25] nights he takes a a short nap um the day

[18:28] of or he has the kids. I work full-time

[18:30] and I I'm throughout the day. So he has

[18:32] the kids. Um, and we have two small ones

[18:35] that don't always lean the most ability

[18:38] to clean, which is okay. Um, but then he

[18:43] has the two days that he's off and he

[18:45] does jack [ __ ] the entire time. He

[18:49] rarely gets up and then the last day

[18:51] that he's off. So like if he works

[18:53] Tuesday and Wednesday or Wednesday and

[18:54] Thursday, he doesn't really do anything

[18:56] until Friday evening or Saturday.

[18:58] >> How many hours a week are you working?

[18:59] So, I have an alternating schedule. Uh,

[19:02] on my short week, I work uh 24 hours. On

[19:06] my long week, I work

[19:07] >> What's he doing on his 24 hours? He's

[19:08] not doing anything.

[19:09] >> That's a great question. I don't know. I

[19:11] clean the whole house.

[19:11] >> Listen, I understand your schedule's a

[19:12] bit. Okay. Your sleep's a bit weird.

[19:14] That I mean, that is fair. That part's

[19:16] fair, but 24 hours, you got you can step

[19:19] up a little at the house. No.

[19:21] >> Yeah. I mean, I I try I do try, but you

[19:23] try.

[19:24] >> Um, well, last week, uh, it was raining.

[19:27] He left the dog outside in the rain. and

[19:28] he slept on the couch. Our toddler was

[19:30] running around with a marker colored on

[19:31] the couch and the baby was awake. And I

[19:34] was in the middle of a work call, got

[19:35] off of that, went downstairs and I said,

[19:37] "Are you kidding me?"

[19:40] Yeah,

[19:42] >> buddy.

[19:43] >> How do you defend yourself?

[19:44] >> What the are we doing? Look, it I I do I

[19:47] do try my hardest to make sure that they

[19:50] are that they're safe, that I'm not

[19:51] leaving them in weird positions like

[19:53] that. But when I'm when I'm working 12

[19:56] hours overnight and then I come home and

[19:58] now I'm responsible for an almost

[20:00] 2-year-old and a baby and keeping them

[20:03] quiet to a point that she can that she

[20:05] can work and not have the noises of of

[20:07] children's lives interrupt her phone.

[20:09] >> This was a Monday or Tuesday. So my

[20:10] sister was off of work and available to

[20:13] help. I also offered

[20:14] >> that was my second question.

[20:16] >> I also offered and said I will take them

[20:18] if you need me to. What do you need from

[20:20] me? And he said no it's fine. I'm gonna

[20:22] try to get them down for a nap and then

[20:25] never sleep.

[20:26] >> It doesn't work because I was about to

[20:27] defend you cuz your sleep that is your

[20:29] sleep schedule and that's fair. I was

[20:30] about to defend you but if the sister

[20:32] was willing to step in and she offered

[20:33] you can't take the responsibility and

[20:35] then not

[20:35] >> he's like the partner in a school

[20:37] project whenever you do all of the work

[20:38] and then he goes me too. And then he

[20:40] gets a grade for it.

[20:41] >> How's y'all's relationship right now?

[20:44] >> We're we're trying. It's it's it's

[20:47] rocky. It's a really hard

[20:48] >> Why is it rocky? So because we have this

[20:51] exact conversation

[20:53] >> 50 times a week.

[20:54] >> Exactly.

[20:55] >> Why did you step up after you have that

[20:57] issue?

[20:57] >> Well, I I

[20:58] >> It's not like a biological problem

[20:59] you're having. That's like a

[21:02] >> It's not like you're not getting hard,

[21:05] >> right?

[21:06] >> And which there are pills for that.

[21:07] >> Okay. And there's pills for that. So

[21:08] there we go. But even so, this is

[21:10] literally just behavior,

[21:13] >> right? I understand that. And

[21:15] >> you're someone with discipline. You're

[21:16] in public. After we h after we have

[21:18] these conversations, I do get better for

[21:20] >> a few days for a period of time and then

[21:23] I and then I have days where I struggle

[21:26] and it's

[21:27] >> it it's hard to have a great day every

[21:30] day. But I I do asking for great day

[21:32] every day.

[21:33] >> Sometimes it feels that way.

[21:34] >> Okay. But also you went to help them buy

[21:36] shoes once in the last 6 months.

[21:40] >> That's not great day every day request.

[21:42] >> But the the biggest conversation that we

[21:44] have is more around the house.

[21:46] because she she complains almost I mean

[21:50] I'd say four times a week that she's

[21:52] doing all the cleaning around the house

[21:54] and that I do nothing to help. But like

[21:56] I said before, I'm having to keep these

[21:59] two rambunctious children active and

[22:03] doing something in a way that it doesn't

[22:06] interrupt or interfere with her work.

[22:08] >> Right. But then you complain to Lindsay

[22:09] that she doesn't cook enough.

[22:10] >> Right. She But there's days where she

[22:12] chooses not to cook.

[22:14] >> Yes. because she had she had a long day

[22:16] of work and instead of cooking, we're

[22:18] just going to order something.

[22:19] >> Can you cook?

[22:21] >> Absolutely. And I love cooking.

[22:22] >> Oh, does he cook?

[22:23] >> Occasionally. Okay, if you love to cook,

[22:25] then cook. But expecting me to cook

[22:28] dinner, clean the entire house, manage

[22:30] all three kids, work a full-time job.

[22:32] Not to mention, I'm also in school.

[22:35] I'm so sorry. I feel like I have a

[22:37] Thanksgiving plate and it's overflowing.

[22:39] And yours has a slice of turkey and

[22:41] maybe a little dollop of potatoes. Take

[22:43] some damn sides off my plate and have a

[22:46] low like have a field day with it. Dude,

[22:49] I don't know what you want.

[22:50] >> You think she's lazy?

[22:52] >> No, I don't think No, you think he's

[22:53] lazy?

[22:54] >> Yes. I mean, he'll do the dishes, but he

[22:57] does

[22:58] >> the dishes. Doesn't clean off the

[23:00] counters. Doesn't clean off the stove.

[23:02] Doesn't take things and put them away.

[23:05] He does the dishes in less sink.

[23:08] >> Are you a minimum effort guy at the

[23:10] house? I I really try not to be, but

[23:12] some days I say the good words. You say

[23:15] you're trying, you do, you want to all

[23:17] these things, but you don't do any of

[23:21] it.

[23:22] >> So, you got the good words, but where's

[23:25] the good actions? You're a disciplined

[23:26] man. You're in public safety.

[23:28] >> You went through it.

[23:29] >> You helped the world be disciplined. Why

[23:32] can't you bring some of that to home? I

[23:34] don't know. I guess maybe I'm just

[23:37] giving too much at work and not allowing

[23:41] myself to have any extra effort to give

[23:44] once I come home.

[23:45] >> It feels a little bit like a cope. I'm

[23:46] not going to lie.

[23:47] >> I mean like maybe that's true, but it

[23:49] feels like family dinners on Sundays

[23:51] with your co-workers and you

[23:52] occasionally find dark dilapidated

[23:54] corners and take naps.

[23:55] >> So

[23:58] I'm confused. I don't get to take naps

[24:01] at work.

[24:03] >> I don't take naps at work.

[24:05] Okay.

[24:06] >> Huh? But why what are you insisting or

[24:08] insinuating here?

[24:09] >> He takes naps at work.

[24:11] >> So, I mean, you're he's saying that he's

[24:13] one of those where you're allowed to.

[24:15] >> I'm going to be real with you. Your debt

[24:17] is not the same as everyone else's.

[24:18] You've got your own unique mix of credit

[24:20] cards, maybe some medical bills,

[24:22] personal loans, and collections,

[24:23] whatever. Your interest rates are

[24:25] different. Your payments are different.

[24:26] Your life is different. So, why do you

[24:28] need some one-sizefits-all solution that

[24:30] treats you like a number? some generic

[24:32] calculator that spits out just pay more

[24:34] as if you hadn't thought of that

[24:35] already. That's what sets PDS apart.

[24:37] They don't just look at your balance and

[24:39] say good luck. They work to understand

[24:41] your specific scenario and help provide

[24:43] alternative solutions to becoming

[24:44] debtree. Whether you're struggling with

[24:46] credit cards, personal loans,

[24:47] collections, or medical bills, PDS Debt

[24:49] has customized options designed

[24:50] specifically for you. Not your neighbor,

[24:52] not some average case study, you.

[24:55] They've helped hundreds of thousands of

[24:56] people get out of debt. And here's the

[24:58] thing, there's no minimum credit score

[24:59] required. They're not here to judge you.

[25:01] They're not here to shame you. They're

[25:02] here to help you get out and help you

[25:04] save more. Pay off your debt faster and

[25:06] start putting money back in your pocket.

[25:08] This is a company that is A+ rated by

[25:10] the Better Business Bureau, post

[25:11] thousands of fivestar reviews on Google,

[25:13] and holds a five-star rating on Trust

[25:14] Pilot that legitimately matters. Here's

[25:16] the thing. If I needed help paying off

[25:18] debt, this is exactly where I'd go for

[25:19] help. You're just 30 seconds away from

[25:21] being debtree with PDS debt. Get your

[25:23] free assessment and find the best option

[25:24] for you right now at pdsdebt.com/hammer.

[25:27] That is pds.com/hammer.

[25:30] pds.com/hammer.

[25:32] Quick question, how much control do you

[25:34] have over your money right now?

[25:35] Technology has changed everything and

[25:38] now it's changing how money works.

[25:40] Crypto started as a niche, but now it's

[25:42] going mainstream. Faster payments, more

[25:44] control, fewer middlemen. This isn't

[25:46] hype. This is where things are going.

[25:49] And getting started today is easier than

[25:50] you think. With Rumble Wallet, you can

[25:52] buy Bitcoin, hold dollarbacked stable

[25:55] coins, even own digital gold backed by

[25:58] real gold all in one place. This is a

[26:00] non-custodial crypto wallet, which means

[26:03] you, not a bank or a platform, control

[26:05] access to your funds. Setup is simple.

[26:07] It connects to your Moon Pay, so you can

[26:09] use your debit card, credit card, or

[26:11] banking account and be up and running in

[26:13] minutes. And for a limited time, you can

[26:15] start your wallet with $5 in US

[26:18] stablecoin, USA Tether, by downloading

[26:20] the Rumble wallet and entering my

[26:23] exclusive promo code Hammer 5 when you

[26:26] sign up now. You can even use your

[26:27] Rumble wallet to support your favorite

[26:29] creators. So, do this now. Scan the QR

[26:31] code on screen or click the link in the

[26:33] description below or go to

[26:34] wallet.rumble.com/hammer

[26:37] and download Rumble Wallet. From there,

[26:39] you can set up your wallet. Enter promo

[26:41] code hammer5 to get your $5 in US stable

[26:44] coin, USA Tether. This is a limited time

[26:47] offer, so act now. Take control of your

[26:49] money. Get started with Rumble Wallet

[26:50] today. Terms and conditions apply. See

[26:52] the description below or visit

[26:54] rumble.com/promo

[26:56] official rules for details. So,

[27:00] yes and no. I mean,

[27:02] >> obvious obviously it's not ideal to do

[27:05] that. Uh, and I and I do my best not to.

[27:08] I've I've dozed off. I'm not going to

[27:09] lie to you and say that I haven't dozed

[27:11] off and fallen asleep.

[27:11] >> So then you're not giving up when we're

[27:13] not when we're not having a busy night

[27:15] at home. That's my argument there is.

[27:18] >> Yeah.

[27:19] >> I mean to be clear with the spending and

[27:21] a lot of things you do, not the clothes

[27:23] thing, but we do know from what we

[27:25] looked at that you are the aggressive

[27:28] aggressive spender on [ __ ]

[27:30] >> You are the villain there,

[27:32] >> right?

[27:32] >> But you're kind of the villain of being

[27:34] lazy at home. And I feel like you're

[27:35] almost taking it out. I'm just going and

[27:38] swiping,

[27:39] >> which doesn't necessarily help us in the

[27:41] end, right? As a household.

[27:43] >> Listen, if he is,

[27:44] >> sometimes you need like a break.

[27:46] >> I agree with that. And I want him to

[27:48] step up so you can, but you don't get

[27:50] revenge. You don't also bring down the

[27:53] household by being a [ __ ] menace on

[27:56] the outside. You do financially, though.

[27:59] >> Okay? So, listen. Just because someone's

[28:02] not stepping up at home doesn't mean you

[28:03] can just not step up outside the home.

[28:06] >> Okay.

[28:07] >> You can't it up.

[28:09] >> Can we take a little break?

[28:11] >> You need a break?

[28:12] >> Yeah. Can we take a little break?

[28:13] >> Okay. Well, take a break.

[28:14] >> I'm honestly very tired. I would not be

[28:16] crying right now. I'm very tired.

[28:18] >> That's okay. Your mother, you see that?

[28:22] Yeah, I see it.

[28:24] She She's not afraid to tell me when

[28:26] she's overloaded either.

[28:28] It would be nice if you listened.

[28:30] >> And it would also be nice if you didn't

[28:32] go spend money you don't have.

[28:34] >> Fair.

[28:35] >> Cuz that's going to add to the stresses

[28:36] of the household. A man not stepping up,

[28:38] not helping the house, that's going to

[28:40] be a reason for divorce at some point.

[28:41] >> Mhm.

[28:42] >> Financial [ __ ] in the house, that is a

[28:45] leading cause for divorce in this

[28:46] country. Do we want to get divorced?

[28:49] >> No.

[28:50] >> I don't read you guys as a couple that

[28:51] wants to get divorced. It's not

[28:52] something I would advocate for in you

[28:54] guys. I don't see that. But are we

[28:56] surprised that the household is rocky

[28:58] right now? No. When you both up in two

[29:01] very clear directions and neither of you

[29:03] seem like you want to make any ground in

[29:05] making those situations better. Like you

[29:07] make the good talk, but you don't seem

[29:09] like you're trying to do any better at

[29:10] the house. You don't sound like you're

[29:11] trying to do any better financially. No

[29:13] wonder he's not willing to. It feels

[29:14] like he's hiding [ __ ]

[29:16] >> I don't think he's hiding anything. He

[29:18] just isn't

[29:18] >> forthcoming. Communicate.

[29:20] >> Yeah. I'd be nervous too if you're going

[29:23] out there and around constantly

[29:25] and in the financial conversations I'm

[29:27] being had again again this is the pre-in

[29:30] a couple of the things that I said were

[29:31] kind of wrong earlier from what he said

[29:33] like the you know he was like a fine

[29:35] well you know we'll stick it out cuz you

[29:36] got pregnant well apparently that wasn't

[29:37] true cuz it was timeline issue and then

[29:39] one other thing I said was kind of

[29:41] incorrect that's cuz he told Lindsay

[29:43] that pre-in [ __ ] before you were coming

[29:45] on so it was going to be a defense

[29:47] mechanism so the story was going to be a

[29:49] little different anyway it sounds like

[29:50] that he was going to tell.

[29:52] >> Well, that's interesting.

[29:53] >> I don't know, but you guys say different

[29:55] things. So, I don't know if this was pre

[29:57] you coming on or not, but he always says

[29:59] that I'm always giving into her. I'm

[30:01] always giving into her is what he said.

[30:03] Is that true?

[30:05] >> Yeah, absolutely. What does that mean?

[30:08] >> Um, it means that I am very persuasive

[30:11] in my arguments

[30:13] for

[30:14] >> by that he said he says no and you get

[30:16] angry and then he's just like fine.

[30:18] >> I don't always get angry.

[30:21] I do not always get angry.

[30:23] >> I mean, I live with the world.

[30:24] >> Any

[30:26] any time that you have said, "I want to

[30:29] get this. I feel like we need this." And

[30:31] I say, "Well, no, we don't we don't have

[30:33] the money to spend on that or we that's

[30:35] just not something that we need right

[30:36] now." Then it is immediately anger. I

[30:41] mean, let's go back to a couple months

[30:43] ago whenever you were wanting to get a

[30:45] Dyson vacuum. We we had two working

[30:48] vacuums at the house.

[30:50] >> They And okay, they are both really

[30:53] really crappy. One of we got one of them

[30:55] from your parents

[30:57] >> and I didn't say it had to be a Dyson. I

[30:59] just said I really like this one because

[31:00] it doesn't have to plug in. We don't

[31:02] have to carry it up and down the stairs.

[31:04] And as the person who cleans the house,

[31:06] I think that I get a little bit of

[31:09] leeway in what I would like to use to

[31:12] clean our home.

[31:12] >> Women love to clean. They bowl of to

[31:16] cook steak.

[31:17] >> Dude, all women are the exact same. My

[31:19] girlfriend's asking for the exact same

[31:22] thing. Look. And you

[31:23] >> And we have cleaners. So, what the is

[31:25] happening?

[31:25] >> I would kill for a cleaner.

[31:27] >> Okay. Well, they're cheap and you guys

[31:28] make a lot of money. I'll be honest.

[31:29] Which, by the way, you specifically

[31:31] wanted the Dyson because the last time

[31:33] we tried to find a cheaper alternative

[31:34] to Dyson,

[31:36] >> we got something else and it broke very

[31:37] quickly and then we replaced it with

[31:40] something different. Had two working

[31:41] vacuums at the time that she was

[31:43] requesting this Dyson. And I said, "No,

[31:45] that's crazy expensive. We don't have

[31:47] the money to spend on that. We have two

[31:48] working vacuums." Immediately, she goes,

[31:51] "When we combined finances, you said

[31:53] that you weren't going to be

[31:54] controlling, but this is the exact

[31:57] controlling behavior that I was trying

[31:58] to

[31:58] >> asking for a vacuum."

[32:00] >> Yeah. Apparently, denying a vacuum when

[32:02] we have two working vacuums is

[32:04] controlling. when one of them weighs

[32:06] like 20 pounds and you're carrying it up

[32:08] the stairs and you're the one doing the

[32:09] most of the work and the other one is so

[32:11] small and compact that it's not meant

[32:13] for like room vacuuming. Our whole

[32:16] upstairs is three bed four bedrooms is

[32:19] the master and three other bedrooms and

[32:21] it's all carpeted.

[32:22] >> Yeah. How much the

[32:25] >> one of them was like 500.

[32:26] >> Guys, you make $200,000 a year. I don't

[32:28] think you understand.

[32:29] >> But we're we're hemorrhaging money

[32:31] already.

[32:31] >> I agree. I think now this is a household

[32:34] beneficial tool potentially. But but

[32:37] where's all the money going that would

[32:39] go to that instead?

[32:40] >> The miscellaneous

[32:41] >> [ __ ] billion monthly payments that we

[32:44] have to make.

[32:44] >> It's a billion monthly payments. It's

[32:46] eating out. But

[32:48] out if I had help.

[32:50] >> You can't do that. You can't do that and

[32:53] get that kind of [ __ ] or well get a

[32:55] vacuum like that if the money goes to

[32:56] the [ __ ]

[32:57] >> You can't $1,000 went out to you last

[32:59] month. $1,000. You make $200,000 a

[33:01] month, but $1,000 going to food eating

[33:04] out actually cuz groceries is was an

[33:06] additional th000. So 2,000 going to food

[33:09] that immediately means no, you probably

[33:11] don't get to have a $500 vacuum and

[33:14] [ __ ] Especially when unknown shopping

[33:15] things we don't 100% know. Could be

[33:17] [ __ ] could be not. Was an

[33:18] additional $1,800

[33:20] >> the previous month. 1,800 other large

[33:23] purchases. These are big picture

[33:25] purchases. Might be [ __ ] might not

[33:26] be. 2,400.

[33:30] So now we have a potential [ __ ]

[33:32] amount of Oh, and then miscellaneous

[33:34] [ __ ] An additional $75,000 by the

[33:36] way. So what are we at? We're like four

[33:39] potential four $5,000 in [ __ ]

[33:42] >> potential has made it in the middle and

[33:44] say minimum $2,000 on [ __ ]

[33:46] >> Yeah, you could get a vacuum. Why are we

[33:49] spending 2,000 on [ __ ] instead?

[33:51] >> Because it's random little things that

[33:52] we want.

[33:53] >> Well, there you go. Then you don't get

[33:55] to have the big thing. Even if it makes

[33:56] your life better, you don't get to.

[33:59] >> So, it's all her.

[34:01] >> Yes. Absolutely.

[34:02] >> So, you didn't pay someone $500 to get a

[34:04] pair of boots, which you've never

[34:06] gotten.

[34:06] >> You didn't pay someone to do that. And

[34:08] you've never gotten the money back.

[34:09] You've never ordered clothes from Adidas

[34:11] online.

[34:12] >> You've never paid for golf.

[34:13] >> $70 of clothes.

[34:15] >> Okay. But you've never paid for golf.

[34:16] You didn't go buy a new a new a new iron

[34:18] for golf and spend a little bit more and

[34:20] get other things.

[34:21] >> Yeah. Yeah, I used I used I used a $300

[34:23] gift card that your sister gave me.

[34:25] >> And you spent more than that?

[34:26] >> Yeah, by $90 for two for two clubs.

[34:30] >> It's all me though. And you didn't go

[34:31] buy these new pants?

[34:32] >> Not these pants?

[34:33] >> Oh, well, you bought

[34:34] >> I had these for over a year.

[34:36] >> But it's all me.

[34:38] >> It's all her.

[34:38] >> Yeah, I see how the conversation's going

[34:40] in this household now. So, you just kind

[34:42] of like uh blow up.

[34:44] >> Okay.

[34:45] >> Yeah.

[34:46] >> But rightfully so. You're sitting here

[34:49] telling me I'm the You're You're sitting

[34:51] here telling me I'm the problem. That

[34:52] I'm the one who spends all this money on

[34:54] clothes and all of this money on random

[34:56] [ __ ] I have

[34:58] >> what? Four four outfits in the last I

[35:00] don't know 6 months, four months.

[35:02] >> I mean, Kelly told Lindsay that she

[35:04] holds grudges against you and I feel

[35:07] like I'm seeing them now.

[35:08] >> What are these grudges? Like cuz if that

[35:11] continues consistently, that's not

[35:13] necessarily healthy at all.

[35:14] >> Continuous behavior that's never

[35:15] changed.

[35:16] >> What's the grudges though? It's grudges

[35:18] against money. It's him telling me that

[35:20] I shouldn't go do stuff and then blaming

[35:21] me for our financial mishaps when he

[35:24] also spends money on random [ __ ] $25

[35:28] every other night at the gas station on

[35:29] gas station food. You love to cook so

[35:31] much. Cook your lunch and take it to

[35:33] work.

[35:35] >> I mean, when I have the kids and I have

[35:37] to keep them quiet, it makes it

[35:39] difficult to make those meals during the

[35:41] day.

[35:41] >> What are we talking about? You can meal

[35:42] prep a couple times a week

[35:43] >> and you can open the back door, can go,

[35:46] "Oh, can we bleep?"

[35:47] >> Yeah. All All their names are bleeped,

[35:49] >> but um he can go outside and play. The

[35:51] other one can sit in a high chair and

[35:53] watch you work. He loves to watch you do

[35:55] things. And then our oldest goes

[35:56] upstairs and plays and does whatever she

[35:58] wants to do or she hangs out with me 98%

[36:01] of the time. So, I'm very confused.

[36:04] >> Yeah. But then the second one of them,

[36:06] let's say the middle child comes back

[36:08] inside and he starts making noise

[36:11] because he's a rambunctious almost

[36:12] 2-year-old. The second he makes a sound,

[36:15] it's blowing up my phone. I'm on a call.

[36:17] I'm on a call.

[36:18] >> If I'm on a call, I'm on a call. That's

[36:19] a serious thing. I have to work. If you

[36:21] want, I can quit my job and our $96,000

[36:24] additional income can go out the window.

[36:26] >> Obviously, that's not what I want.

[36:27] >> Okay.

[36:28] >> But when I'm getting those Exactly. I'm

[36:31] recognizing that your work is important

[36:33] and that you have to be on those calls.

[36:35] But when I'm getting those those

[36:37] messages the second I'm trying to do

[36:39] something.

[36:39] >> Am I on a call 7 days a week, 24 hours a

[36:42] day?

[36:42] >> I mean, obviously not.

[36:43] >> I know. I schedule my stuff for two

[36:45] specific days a week that are my calls

[36:47] are my days are filled with calls back

[36:49] toback. And 90% of those calls I'm on

[36:51] mute. You can come park one with me,

[36:54] park one with my sister, and you can

[36:57] meal prep. You can cook dinner for the

[36:59] afternoon or evening. You can put stuff

[37:00] in a crock pot. Hey, that takes so much

[37:02] off my mental load and so much off my

[37:04] plate.

[37:06] >> Okay.

[37:08] >> Wait, the sister lives with you guys.

[37:09] The sister that you said could help.

[37:11] >> Mhm.

[37:12] >> But she doesn't actually help that much.

[37:13] We're figuring out.

[37:14] >> Well, but via request or she's just not

[37:16] stepping up. Is she asked to help and

[37:18] she doesn't?

[37:19] >> Um, sometimes yes, sometimes no.

[37:21] >> Is she renting from you guys or is it

[37:22] like a temporary?

[37:23] >> So, the the agreement was that she was

[37:25] going to move in with us. uh where we

[37:27] live was going to be a better place for

[37:28] her than where she was living with their

[37:30] parents. And instead of paying rent, she

[37:33] was going to help out with the kids and

[37:35] >> help clean and help clean.

[37:37] >> So, she's supposed to be stepping up a

[37:39] little more than you for the kids.

[37:41] >> She also has a full-time job in which

[37:42] she works Tuesday through Saturday,

[37:45] >> but she's not paying rent.

[37:46] >> No,

[37:46] >> then make her pay rent.

[37:48] >> Okay. Well, right.

[37:49] >> Like she she has to pay in one way help

[37:51] with the kids or rent,

[37:52] >> right? So if if she's not helping out in

[37:54] the originally agreed upon way, it's got

[37:56] to be financially,

[37:57] >> which he never goes and asks her for

[38:00] help. So it's hard for her to just offer

[38:03] it if you're not going to. And circling

[38:06] back, I we had both asked him, "Put the

[38:09] kids with one of us if you need help or

[38:10] whatever." And then he just didn't. And

[38:12] then toddler coloring on the couch,

[38:15] >> right? And then even even though she

[38:18] offers to help sometimes, I still in

[38:21] deep in my heart, these are my children.

[38:23] They're my responsibility.

[38:25] >> Your responsibility.

[38:26] >> So I I have a little bit of trouble

[38:28] pushing the burden of my own children

[38:30] off on someone who

[38:31] >> But that's literally why she's there.

[38:33] >> I think this is kind of toxic, guys. I

[38:36] think it's it's gotten to such a toxic

[38:38] point and it's going to take a big lift

[38:40] to pull it out. just toxicity with the

[38:42] sister, toxicity with teacher. She even

[38:43] said just like she doesn't even like

[38:46] getting gifts from you because it feels

[38:47] like there's always strings attached.

[38:49] Like what the if we can't even give

[38:50] gifts at this point.

[38:52] >> Yeah. I

[38:52] >> Where is this relationship?

[38:54] >> I don't understand.

[38:55] >> Someone someone educate me on that that

[38:58] topic please.

[38:59] >> We had a fight on my birthday so we did

[39:01] not celebrate my birthday and then 2 or

[39:03] 3 days later he takes me to get a locket

[39:06] that I have been I have been wanting a

[39:08] locket for a while. It's one of the

[39:10] things I've consistently gone back to.

[39:11] I've I wanted a locket. Um so 2 or 3

[39:14] days later after I said fight, after I

[39:16] questioned, is that what we're doing for

[39:17] my birthday? We're just going to fight

[39:19] and then do nothing. Then he gets the

[39:21] locket. Um I had mentioned, I don't

[39:24] know, in a few a few times over the

[39:26] years that having nice underwear is a

[39:29] good thing, but then he buys it after

[39:31] fights or for whatever reason and

[39:33] phrases it like, well, I mean, it's for

[39:35] me too.

[39:37] It's no longer a gift if you're getting

[39:39] it for yourself and the obligation is

[39:40] for me to

[39:42] >> that's strings attached.

[39:44] I don't know. And as far as the birthday

[39:46] thing goes, we had a plan for her

[39:48] birthday. My parents offered to watch

[39:50] all of our children so that we could go

[39:51] have a nice dinner for her birthday. And

[39:53] I don't remember what caused what

[39:57] >> something for our home that would

[39:59] improve it. That way we could improve

[40:00] equity whenever we sell. And instead of

[40:03] spending $300 on a steak dinner at Basta

[40:05] that we should go get stuff to make a

[40:07] patio.

[40:08] >> Yeah, that's right.

[40:09] >> And then we had something else.

[40:12] >> Yep. So instead of instead of going to

[40:13] dinner, she made the decision and I

[40:15] verified this several times with her,

[40:17] >> which is fine. Then we were no longer

[40:19] going to do the dinner. Instead, we were

[40:22] going to allocate that money into

[40:23] supplies to build a patio. And then who

[40:27] knows what we thought about that day.

[40:28] She said, "Screw it. We're done. We're

[40:30] not We're not building this patio.

[40:33] And then

[40:35] we didn't And then we didn't do anything

[40:37] on her birthday. Okay. I don't guys,

[40:41] this is just what the Everything's so a

[40:44] villain fight. Horrible. But he did tell

[40:48] Lindsay something before you were

[40:49] supposed to come on. He said he hasn't

[40:52] had the stomach or the will to say it.

[40:54] You remember what that was?

[40:57] >> Mm- No.

[40:59] >> Oh no. Now you conveniently forget.

[41:01] >> I don't remember.

[41:03] >> Brother,

[41:04] >> I've slept since then.

[41:06] >> He has an out plan.

[41:11] >> I have an out plan.

[41:13] >> Buddy, these are your own words, man.

[41:16] Though you're not there yet,

[41:19] and he hasn't said it to her, but he

[41:21] could walk away if they don't get their

[41:23] finances in order. Not there yet.

[41:27] but is waiting for the right

[41:29] conversation that would give him the

[41:32] leeway to say it.

[41:33] >> Well, we've had tons of those

[41:34] conversations.

[41:36] >> What?

[41:37] >> We I've had tons of conversations where

[41:39] I said, "This is not where I want to be

[41:40] in 5 years. I don't want to be here

[41:42] financially or like relationship wise,

[41:44] marriage-wise. I don't want to be in a

[41:46] relationship where we're fighting

[41:48] constantly where I'm doing 90% of the

[41:49] household work and child raising after

[41:52] birthing them and feeding them. I don't

[41:54] want to do this if you're not going to

[41:56] be a partic like if you're not going to

[41:57] be an active parent.

[41:59] >> So both of you were getting

[42:01] >> we had those conversations.

[42:03] >> How freaking like

[42:04] >> I don't have an out. I don't have like a

[42:06] backup plan. I'm not trying to have

[42:08] >> How many times have you talked about

[42:09] your plan for if you leave me?

[42:11] >> If we if I leave you, I'm living alone

[42:15] and the kids will go to you for a week

[42:17] and back and forth. That is that is

[42:19] literally the plan. That's called

[42:21] divorce.

[42:22] >> Why? How frequently is this brought up,

[42:25] guys? I need the rat.

[42:26] >> She has had several conversations about,

[42:29] you know, or several conversations about

[42:34] leaving me. The idea of leaving me. It's

[42:36] not something that is in my head is the

[42:39] the topic.

[42:39] >> But you have an out.

[42:40] >> But you have an out. Yeah, you're

[42:41] talking.

[42:42] >> So, it clearly is in your head.

[42:45] >> You can't say one thing and then act

[42:46] like another and say that it's not there

[42:48] when it is.

[42:48] >> Not to Lindsay, but one of our

[42:49] pre-producers before hers is where the

[42:51] message is coming from. I mean, I I I

[42:53] hate to sound like I'm backtracking, but

[42:55] I I truly feel like that is a

[42:57] misunderstanding of the words that I

[42:59] said to her.

[43:00] >> I really do.

[43:00] >> Before she was supposed to come on.

[43:02] >> Mhm.

[43:03] >> Um

[43:05] >> how close have you gotten to leaving?

[43:07] >> Um

[43:08] >> I know one of you have left before and

[43:10] then the kid.

[43:12] >> Yeah, pretty pretty close.

[43:14] >> When?

[43:15] >> Um a few a few years ago.

[43:18] >> It just

[43:19] >> we were living with his parents. He

[43:21] refuses to say anything. Well, we had we

[43:23] had just left and we moved down here and

[43:25] then we had to find jobs. So, we stay

[43:27] with his parents and he refuses.

[43:30] God, I could not tell you why to stand

[43:32] up and say anything to his parents.

[43:34] Like, his dad will not turn on the air

[43:35] conditioner upstairs and that's where we

[43:37] were living and he will go up there and

[43:38] turn up to like 80 82 degrees in the

[43:40] middle of summer, but then leave all the

[43:42] doors open and heat rises in a two-story

[43:44] home. Um, so it would be 98 degrees up

[43:47] there and it would take like all night

[43:50] to cool down and he would just never say

[43:52] anything and never defend me or our kids

[43:55] or anything.

[43:57] >> You almost laughed.

[43:59] >> Yeah.

[44:01] >> So I didn't stand up to him at that time

[44:03] because

[44:05] his only request was to stop keeping it

[44:07] at 69°

[44:09] >> which it wasn't. It was at 7

[44:10] >> all day every single day. So when it

[44:14] wasn't so

[44:14] >> it was at 75 and it's hard not to keep

[44:16] it at a lower temperature when they

[44:18] don't even run the downstairs one and

[44:20] all that heat is rising. So even if it

[44:22] was set at a at like a set temperature

[44:25] if they would have turned on their

[44:26] downstairs one hey we just had this

[44:28] conversation about HVAC's and how if you

[44:30] turn them off it makes them work harder

[44:32] and your energy bills increase because

[44:34] you're running more power to get them

[44:35] back to a normal temperature. That's

[44:38] what continued to happen because you

[44:39] never stepped up and said anything.

[44:42] >> Be honest here, guys. Has anyone ever

[44:44] looked for apartments? Just on the DL.

[44:46] Just Just looking to look.

[44:47] >> He told me to and I did.

[44:49] >> Oh, you told her to?

[44:51] >> We had a big issue

[44:52] >> around that time. We were going

[44:54] >> What the Look, we we were going through

[44:57] a serious very serious rough spot in our

[45:00] relationship. And at that time, I wasn't

[45:03] sure if I was willing to stay in the

[45:05] relationship

[45:06] >> with the dad thing.

[45:09] >> That was it.

[45:10] >> There there were other things going on.

[45:12] Uh, one of those things is on it's on

[45:13] our list that I don't want to bring up.

[45:15] >> Okay. I don't think I know it, but

[45:17] >> but no, because of what was going on

[45:19] there, I wasn't sure if we were going to

[45:21] continue in our relationship. I

[45:23] suggested that she start looking for an

[45:25] apartment and she looked for a little

[45:27] bit and ultimately we decided that we

[45:29] were just going to stay in our

[45:30] relationship. we were going to try to

[45:31] work through it. And for that issue, we

[45:33] have

[45:34] >> Yeah, we have. We have for that. But

[45:36] that's like the only time where we have

[45:38] really considered either that's the only

[45:42] time I've really considered leaving. Um,

[45:45] and then I mean there's like the little

[45:47] petty squables where we talk about it

[45:49] and I tell him, I don't want to do this.

[45:51] if this is what our life is going to be

[45:52] like. I don't I I don't want to feel

[45:55] like a freaking brood mayor where I just

[45:57] get bread all the time and then I it's

[45:59] my responsibility to have a job and

[46:00] clean the entire house and take care of

[46:02] all of the kids. That's a lot for one

[46:03] person.

[46:03] >> What the

[46:06] >> That's literally what I feel.

[46:07] >> I don't want you I don't want you to

[46:09] feel like you are just a brood mayor and

[46:12] I'm the stud that keeps putting kids in

[46:14] you. But I mean when I when I'm on 2

[46:19] hours of sleep after being awake for 48

[46:22] hours

[46:22] >> which I agree with that part another

[46:24] week work 25 hours

[46:26] >> right but so after that 25 hours of or

[46:30] 24 hours of work there's times where

[46:32] I've worked or been awake for 48 to 50

[46:36] plus hours through those days of work

[46:39] and now I'm responsible for these

[46:42] children

[46:43] >> your children.

[46:44] >> Yes. Yes. They are they are my children.

[46:46] Absolutely. And I have to do something

[46:50] and keep them entertained and keep them

[46:53] quiet enough for her to work.

[46:55] >> Do you guys totally trust each other?

[46:57] >> I don't trust him with our kids. No,

[46:59] >> that's not

[47:01] the greatest thing to hear from our

[47:03] wife.

[47:04] >> I've told him that before that I do not

[47:06] trust his capabilities and taking care

[47:08] of our children.

[47:10] >> He can't stay awake. He I had to go wake

[47:12] him up last night to put our our middle

[47:15] child down cuz he fell asleep putting

[47:17] him to bed so that way he would get up

[47:18] and take a shower.

[47:19] >> Diet. What are you doing? You're fat.

[47:21] I'm fat, too. But like I'm not like

[47:24] responsible for people's lives and

[47:25] children. So if you can't stay awake or

[47:29] having issues,

[47:30] >> right? Well, I typically have to rely on

[47:34] caffeine to keep me awake because

[47:35] >> Right. Why not get healthier?

[47:38] >> I I've tried. It's It's a

[47:40] >> tried.

[47:41] >> I've I've tried. I've tried.

[47:43] >> I've I've been thinner in the past. I'm

[47:45] just about at the biggest I've ever been

[47:46] right now.

[47:47] >> Oh, that's not good. No [ __ ] You're

[47:48] falling asleep.

[47:49] >> Yeah.

[47:49] >> Fatty.

[47:51] >> What the Why aren't you eating less or

[47:53] just better?

[47:54] >> Better. I definitely need to be better.

[47:56] I do work out. I take I I do.

[47:58] >> He does.

[47:59] >> I take There's a few

[48:00] >> I take the boys to the gym with me.

[48:01] >> You can't outwork a bad diet, right?

[48:03] That's my issue. I'm relatively active

[48:05] sometimes.

[48:06] >> We've been playing Russ recently. Now

[48:07] I'm not. RIP. Worth it.

[48:10] >> I don't I like just eat better, dude.

[48:13] >> I know. I I

[48:14] >> Are you the donut and coffee guy?

[48:16] >> No. No. Not the donut. I really I really

[48:18] try to stay away from donuts.

[48:20] >> The coffee is okay.

[48:21] >> But I I Coffee is a Coffee is a problem.

[48:24] >> What? What? What? What's wrong with

[48:25] coffee?

[48:25] >> It's a problem for me. I'm

[48:27] >> Why?

[48:28] >> Because I I need it. I'm addicted.

[48:30] >> Well, yeah, but like caffeine is one of

[48:32] those like

[48:33] >> addictions where it's like not even like

[48:35] an addiction.

[48:36] >> It's like upside. No, it is an

[48:37] addiction. This is like upside though.

[48:39] >> Yeah. Unless you're just like, "What are

[48:40] you down?" Like,

[48:43] >> it could be. Can we

[48:44] >> What the [ __ ] are you on about?

[48:45] >> I'm just saying like if we're talking

[48:46] about addictions, at least he's addicted

[48:48] to caffeine. And I

[48:49] >> That's true.

[48:49] >> Okay. Here's Gamer Subs. Just like you

[48:51] make your coffee at home, make your

[48:52] energy drinks at home. It's delicious.

[48:54] 40 cents a serving when you use my 10%

[48:57] discount code, Caleb. Link in the

[48:59] description below. Get your free samples

[49:00] as well so you can figure out what

[49:01] flavor you like and then you can order

[49:03] your gamer subs. And then, you know, 40

[49:06] cents a serving. So, there you go. that

[49:07] should help but I mean out you can't out

[49:10] eventually you have a baseline then you

[49:12] have to just continuously up caffeine so

[49:14] just like anything else right that's the

[49:16] issue there if you're always chasing it

[49:17] then you can get to a dangerous amount

[49:19] >> um which for larger people fatties is

[49:22] not necessarily best for the heart what

[49:25] are you eating man cuz if you're falling

[49:27] asleep I'm concerned I'm concerned like

[49:29] your health must not be the best

[49:31] >> so I mean I kind of just eat what's

[49:34] what's already available like when I'm

[49:36] at home. Really, when I'm at home,

[49:38] that's when I'm eating at my worst

[49:41] because we're not we're not always

[49:43] taking the time to prepare meals. We

[49:44] don't always have good stuff for making,

[49:47] you know, lunches and, you know, I I

[49:51] just kind of eat whatever I can.

[49:54] >> We do have all the stuff to cook,

[49:55] though. I spend $1,000 a month on

[49:57] grocery and I build out menus, so we do

[49:59] have stuff in there to cook. The issue

[50:01] is that what he's saying we don't have

[50:03] food is we don't have easily ready food.

[50:08] >> Meal prepping and THEN YOU HAVE TO cook

[50:09] it.

[50:10] >> Meal prep a couple times a week, guys.

[50:11] What the [ __ ] are we doing? I love meal

[50:13] prepping. It makes it so much easier.

[50:14] >> Why don't you

[50:15] >> I just I just struggle to actually make

[50:17] the time to

[50:18] >> 25 hours of the week.

[50:21] >> Huh?

[50:22] >> Yeah. 2 weeks and free stuff. We didn't

[50:25] have a 56 hour.

[50:26] >> Not going into detail, but is there ever

[50:28] a situation where you might be required

[50:30] to run?

[50:31] >> Absolutely.

[50:32] >> Okay,

[50:33] >> buddy.

[50:34] >> I'm faster than I look, brother.

[50:36] >> No, I don't think you have any idea how

[50:38] fast I really am.

[50:40] >> I have an exclusive offer just for you,

[50:42] but there's only one week left to

[50:44] purchase. For a onetime payment of $500,

[50:47] you'll get our entire Hammer Elite

[50:48] catalog for life and a limited edition

[50:51] Hammer for Life box packed with limited

[50:54] edition merch you can't get anywhere

[50:56] else. Plus, you'll get access to our

[50:58] exclusive 4hour Hammer Elite Day live

[51:00] stream on June 27th. Plus, I just

[51:03] launched the brand new Hammer Elite app

[51:05] available on every major platform.

[51:07] You'll get three exclusive dedicated

[51:09] shows every single day, Monday through

[51:11] Saturday. And to celebrate the app

[51:13] launch, I'm offering 30% off the annual

[51:16] plan in the month of June only. Download

[51:18] the Hammer Elite app by using the link

[51:20] in the description or pin comment below.

[51:22] This is the best membership you'll ever

[51:24] join, and that's a promise. You suck

[51:25] with money, so you download a budgeting

[51:27] app. You start with the classic one,

[51:29] WAB, but everyone just deletes it

[51:31] because it's way too complicated to use.

[51:33] So, you go to every dollar. That's Dave

[51:35] Ramsey, the personal finance guy, right?

[51:37] Well, they're going to force you to use

[51:39] it his way. That's not very personal

[51:41] finances. Rocket Money, they got a lot

[51:43] of commercials, but they're owned by

[51:45] Rocket Mortgage. Guess what they want to

[51:47] sell you in the end. Then there's the

[51:49] new guy on the block, Monarch. Hundreds

[51:52] of millions of dollars of private equity

[51:53] raising so far. But private equity

[51:55] doesn't have the best track record when

[51:57] it comes to private data. That's why I

[52:00] like DollarWise. Built by these people

[52:02] just like you, for people just like you.

[52:05] No private equity, no gimmicks, just the

[52:08] best budgeting app there is. Download it

[52:10] now. Start the free trial. Wise.com.

[52:12] Link in the description below.

[52:14] >> You and me.

[52:15] >> You and me have the sprints, but we

[52:17] don't have the distance.

[52:19] >> There is no stamina.

[52:21] >> It's the distance.

[52:22] >> No, no, no. You know, I've got stamina.

[52:24] >> Distance buddy. Distance, buddy. Okay.

[52:26] What? You have a 30 second pump and

[52:28] dump. Good for you.

[52:29] >> Sometimes.

[52:29] >> Listen, the thing is us fatties,

[52:31] everyone's shocked how quick I can go.

[52:34] But it's not for a long distance. And

[52:37] that might be necessary,

[52:39] right? Yeah. But if you're falling

[52:42] asleep, come on. If you're falling

[52:44] asleep, come on.

[52:46] All right. What do we think our

[52:47] household financial score is all

[52:48] combined?

[52:49] >> One.

[52:51] >> Well, I think two, two and a half,

[52:53] three.

[52:54] >> Okay. If you watch your Hamburg

[52:55] financial score, figure it out. Take the

[52:57] assessment. Take that assessment for

[52:58] free at calehammer.com. Just takes a few

[53:00] minutes and you can see where you stand

[53:01] in the world of money, where you're

[53:02] doing poorly, where you're doing great,

[53:03] what you need to do to become better.

[53:05] Usually what most people need to do is

[53:06] use a budgeting app. And we've made one

[53:09] for the people on this show and for you

[53:11] and for me. It's called Dollarise. Take

[53:13] the free trial. It comes with the 30-day

[53:15] budget meal plan and the digital version

[53:17] of the cookbook for those who sign up

[53:18] for the annual version, which also saves

[53:20] like 50% on the subscription, by the

[53:22] way. But take the free trial, see if you

[53:23] like it. I'll sign that and I'll mail

[53:24] directly to you. So there you go. No

[53:26] more excuses. Use it. There's recipes.

[53:28] It's easy. It's simple. It's budget

[53:29] friendly. No more excuses, guys. Again,

[53:32] minimum minimum 2,000 on [ __ ] last

[53:35] month. Likely upwards of like 3 or

[53:37] 4,000.

[53:39] What hits our account on a monthly

[53:40] basis? I didn't get that. I know your

[53:41] guys' gross income is large, but so my

[53:45] checks come in every two weeks at

[53:49] Oh, what is it? 30 just about 3,100.

[53:53] >> Okay. And then you

[53:54] >> I get 56 a month.

[53:57] >> Yeah. hers come in at about 2855.

[54:01] >> Okay, so 11,800 now. Like you guys are

[54:05] killing it. It's so upsetting. And the

[54:07] it's always the people who are like

[54:08] killing it on the income scale that get

[54:10] even worse on the finance scale cuz you

[54:12] get access to more tools that'll destroy

[54:14] you cuz you are not credit card people.

[54:16] >> Yeah,

[54:17] >> you're not. WANT PROOF OF IT?

[54:19] Quicksilver one. Who's is this? Are we

[54:21] all on cards together? Buddy, what are

[54:22] you doing? I thought she was the

[54:24] problem.

[54:24] >> Huh? She Huh?

[54:26] >> Yeah. What are you talking about? This

[54:28] is a big problem right here.

[54:29] >> Mhm.

[54:30] >> You know what happened on this card?

[54:33] >> I I don't know. Is that the one I

[54:34] wanted? Cuz I know you have two.

[54:35] >> Yeah, that's the one that you're an

[54:36] authorized user on.

[54:37] >> Maybe you are making problems almost 2

[54:39] years.

[54:40] >> Is that true?

[54:41] >> Uh

[54:42] >> my card is locked. I haven't used it. I

[54:44] went to go get gas and I was like, "Hey,

[54:47] I don't have the debit card with me and

[54:48] I'm at a gas station that doesn't do tap

[54:50] pay. Can I use this?" And he didn't

[54:52] respond quick enough. So, I left and

[54:54] went somewhere else with Tap Pay, but

[54:55] the card is locked. But I haven't used

[54:56] it in well over a year.

[54:59] >> Card is locked.

[55:00] >> Yeah, cuz I'm not I'm on the account.

[55:02] >> You're locked.

[55:03] >> My card is locked.

[55:04] >> My card. You're locked.

[55:05] >> Well, I'm I'm on the account. I don't

[55:07] have access to it. I can't even see like

[55:09] the balances on it.

[55:10] >> What? Why? I I just made her an

[55:12] authorized user and the I mean the app

[55:15] has always been on my

[55:16] >> access to the account.

[55:19] >> I don't know. You've got you've got a

[55:21] Capital One card of your own, too. So,

[55:23] take that up with them.

[55:24] >> But you can't see it.

[55:26] Okay, how can we say she's the problem

[55:28] when you had a balance? He had a balance

[55:29] of $927. Okay, that's large. It acrews

[55:31] interest, whatever. With your income,

[55:33] you can kind of pay it off. But he made

[55:34] the minimum payment of $35 only.

[55:36] >> Mhm.

[55:36] >> Nothing else. No progress. Avalanche.

[55:39] Avalanche. And then he spent $2,000.

[55:43] >> Mhm.

[55:43] >> Why the did you put $35 to it if you're

[55:46] going to spend $2,000

[55:48] acrewing interest? $57.66.

[55:51] New balance $2,9001.

[55:54] minimum monthly payment $87.

[55:58] Uh your kid, oldest kid will be not only

[56:01] out of high school but will also be out

[56:02] of college and also a couple years into

[56:06] his career

[56:08] because this takes 17 years to pay off

[56:10] minimum payments only with no additional

[56:12] purchases which you're incapable of. So

[56:14] what the is the problem? That doesn't

[56:16] look like problem to me or her. That

[56:18] looks like you. What are you talking

[56:20] about? HUH? WHAT ARE YOU TALKING ABOUT?

[56:24] Rack attack.

[56:25] >> Yeah, we bought a uh car rooftop cargo

[56:30] system to go a credit card. You could

[56:34] afford it, but why not put it on? You

[56:36] can't pay off this credit card. You're

[56:37] not paying off this credit card. You

[56:38] only put the minimum towards it. Why not

[56:40] put it on the debit card? Duh.

[56:42] >> Because we didn't have $1,800.

[56:44] >> Did you get the rooftop thing?

[56:47] >> We needed it.

[56:48] >> Why did you need it? We were going to

[56:50] die.

[56:51] >> Well, obviously we weren't going to die.

[56:52] >> Well, then why'd you need it?

[56:54] >> So, we were taking a road trip to see

[56:55] her parents.

[56:56] >> Okay. Didn't need it then.

[56:57] >> We've got her We've got her SUV that is

[57:00] loaded down with children plus the

[57:03] kennel and a dog in the back.

[57:06] >> Didn't need.

[57:06] >> And then we didn't have any room for our

[57:08] stuff. You didn't need to go on the road

[57:10] trip to survive.

[57:13] What the are we doing?

[57:15] >> I think it's important to see family.

[57:16] >> I think it is as well. It sounds like

[57:17] they can afford to come down. My my I

[57:20] won't let them stay with me.

[57:21] >> What?

[57:22] >> They they smoke and I don't like them

[57:24] smoking around my children and they

[57:27] >> a couple days at a hotel's cheaper than

[57:28] this cuz you spent almost $2,000

[57:30] >> and they refuse to stay in a hotel. They

[57:32] refuse to get an Airbnb.

[57:34] >> They they only will stay at my house. Um

[57:37] >> and you won't allow that?

[57:38] >> I won't allow that.

[57:39] >> What the is wrong with these people?

[57:40] What is wrong with you people? What the

[57:41] is happening?

[57:42] >> Well, I've made very clear rules. Don't

[57:43] smoke around my kids. I don't care.

[57:45] >> Yeah, that's fair. Why can't they stay

[57:46] at a hotel or Airbnb to But why can't

[57:47] they just not smoke?

[57:49] >> Okay. Well, they're addicted to it. I

[57:50] would also agree, but

[57:51] >> nicotine patches exist.

[57:52] >> Okay. Insens and all that good stuff.

[57:54] Yes. Yes. Yes. Yes. Yes. I agree. But

[57:56] also, why can't they stay at an area?

[57:58] >> Because my mother is worse with her

[57:59] finances than I am.

[58:02] >> What do you think?

[58:02] >> I agree. It's important to go. You

[58:04] didn't necessarily have to. And even if

[58:06] still, there may have been cheaper

[58:07] solutions.

[58:08] >> 2,000 bucks there. 2,000.

[58:11] >> Something that we're going to continue

[58:12] using.

[58:12] >> Sure. And you know what else you'll

[58:14] continue doing? Paying interest on it.

[58:15] cuz you don't do more than a minimum

[58:17] payment. Then you went inside some store

[58:19] and I think got some like energy drinks

[58:20] or coffee or something.

[58:21] >> Yeah, probably.

[58:21] >> And then Amazon. You did some Amazon.

[58:24] Okay, let me look at this. Amazon.

[58:25] >> Amazon, sir.

[58:26] >> Let me see.

[58:26] >> I haven't spent on Amazon.

[58:28] >> So, you do spend on this card. This is

[58:29] on Amazon. You're not fully locked out.

[58:30] It says it's attached to the Amazon

[58:32] account probably.

[58:34] >> So, let us see here. Ah, iPhone. Okay.

[58:37] What the is wrong with you? What the is

[58:39] wrong with you?

[58:40] >> What do you mean? What? Why do

[58:41] >> you have 15% battery on your phone?

[58:43] We listened to stuff on on my

[58:46] >> plug it into the car. Let it charge.

[58:49] >> I'm sorry.

[58:50] >> What are you doing? 15% at before noon.

[58:53] >> I don't know, man.

[58:54] >> I didn't charge it last night.

[58:55] >> What the is wrong with you?

[58:58] >> I was tired. I was packing up diaper

[59:00] bags and gathering everything.

[59:01] >> How much of a disaster someone is to me

[59:03] if I see them low battery before noon?

[59:05] Their life's a failure.

[59:08] >> Okay.

[59:08] >> Oh, come on. You got to charge your

[59:10] phone. You know how easy easy it is to

[59:12] plug it in somewhere?

[59:15] >> Oh, I did it all on the way up here.

[59:18] >> Plugged my phone.

[59:18] >> Oh, at least you have a way to get back,

[59:20] I guess. So, home master hardware. Okay.

[59:22] It's like some hinges.

[59:24] >> Yeah, those are hinges and a door handle

[59:25] for a screen door for our backpack.

[59:28] >> Some patches. Lots of kids things. A

[59:30] remote.

[59:31] >> Um, those are It's an ice pack.

[59:35] >> A fake plant. We didn't need that to

[59:36] survive. A clock. We didn't need to

[59:38] survive.

[59:38] >> That's for my office. We didn't pay for

[59:40] that.

[59:40] That's for my That's for my office at

[59:42] work.

[59:42] >> Office chair. Well, that's good. Yeah.

[59:44] So, um those work rellated purchases get

[59:47] ref or reimbured

[59:50] rug, pillow, all that stuff.

[59:51] >> Yeah. All of that.

[59:52] >> Okay. And the two chairs,

[59:53] >> all of that until you hit the desk.

[59:55] >> Okay. So, the desk was you.

[59:57] >> Well, no. Like that is

[59:58] >> so after that. Yeah. So, the key lock

[1:00:00] box.

[1:00:01] >> Oh, that's also work.

[1:00:02] >> Okay. Well, what the [ __ ] you talking

[1:00:03] about then? The trash bin

[1:00:05] >> that we we bought a trash can

[1:00:08] >> for our home. That's not the worst. I'm

[1:00:10] just surprised you didn't have one. We

[1:00:11] did.

[1:00:12] >> Well, we did, but Well, then what are we

[1:00:13] doing? These are the small things we

[1:00:15] don't need to do when we're trying to

[1:00:16] pay off that. If you already had trash,

[1:00:18] then there we go. We're okay,

[1:00:19] >> right? But it

[1:00:20] >> right. Cookie cutters. Did you need the

[1:00:23] rectangle cookie cutters? You can do

[1:00:24] this.

[1:00:25] >> I did not need those. You're

[1:00:26] >> So, these are the little things. Okay.

[1:00:28] What the are we doing as a society where

[1:00:31] we're getting a preschool graduation

[1:00:34] >> because they weren't doing graduation

[1:00:36] for her

[1:00:36] >> because it's preschool

[1:00:38] >> kindergarten and I might be a but I have

[1:00:42] graduation photos of myself

[1:00:45] passage

[1:00:45] >> you want to be like smokers

[1:00:47] >> no

[1:00:49] >> but it's a right of passage

[1:00:51] >> you don't not graduate kindergarten

[1:00:53] >> I mean

[1:00:54] >> she had how how much was the the cap and

[1:00:57] gown

[1:00:57] >> I have $1.

[1:00:59] >> It was $18. I have one memory from

[1:01:02] preschool. Other than that, no one else

[1:01:04] has actually no kindergarten. One

[1:01:06] memory. Don't arrest me for this. It was

[1:01:07] illegal. I broke the law. I gas lit

[1:01:11] another kid in a line at the gymnasium

[1:01:13] to pull the fire alarm. He never showed

[1:01:15] up to school again.

[1:01:16] >> You're not the one that pulled the the

[1:01:18] fire alarm, so I think you're good.

[1:01:19] >> But I definitely did some manipulating

[1:01:21] to do it.

[1:01:22] >> But it's memory.

[1:01:22] >> That's the only memory I have. This

[1:01:24] person will not have any other memory

[1:01:25] other than when he illegally did

[1:01:27] something. You do you start holding

[1:01:30] memories from four years old school. Are

[1:01:33] they are they p from kindergarten? Are

[1:01:35] they pictured memories? Cuz remember a

[1:01:37] lot of times vivid memories from

[1:01:38] kindergarten.

[1:01:39] >> She has a memory like me. She remembers

[1:01:41] everything. I kid you not. And he can

[1:01:43] attest to that.

[1:01:43] >> Yeah. Plus the she was so happy to put

[1:01:45] that cap and gown.

[1:01:46] >> I'm getting a lot of pictures in the

[1:01:48] room.

[1:01:49] >> I'm so happy to take those pictures. I

[1:01:51] feel like $18 is money well spent.

[1:01:52] Remember, a lot of the vivid memories

[1:01:54] that we have when we're young children

[1:01:55] psychologically are usually like

[1:01:57] pictures that we construct into memories

[1:01:59] that don't actually fully exist.

[1:02:00] >> But it's memories for me.

[1:02:03] >> Oh,

[1:02:03] >> she's my first baby.

[1:02:04] >> Well, if it's for you, then you're being

[1:02:05] a selfish [ __ ] cuz you don't have the

[1:02:07] money

[1:02:09] >> cuz you got the pants as well. You got

[1:02:11] some low pow Christian shirts for women.

[1:02:14] >> It's just a t-shirt and pants, which to

[1:02:17] survive.

[1:02:18] >> Okay.

[1:02:18] >> Like we're trying to cut back right now.

[1:02:20] Dog whistle. That was for training

[1:02:22] because he said that our dog is not

[1:02:23] training.

[1:02:23] >> I'm okay with that one as a minimum.

[1:02:26] Meditation candles. Don't need it to

[1:02:28] survive. A

[1:02:29] >> meditation candle.

[1:02:30] >> It's the little candles for Bible study.

[1:02:33] Sorry.

[1:02:34] >> Well, [ __ ] off. She can study without

[1:02:37] candles.

[1:02:39] >> Right.

[1:02:41] >> I've never had I remember studying

[1:02:42] without candles.

[1:02:44] >> She can.

[1:02:45] >> Slow feeder dog bowl. That might make

[1:02:46] sense. Cookbook. Christian cookbook for

[1:02:48] beginners. You're paying the premium for

[1:02:50] what? What? What is the where what's the

[1:02:52] atheist cookbook?

[1:02:54] >> It's just a small cookbook and it

[1:02:55] >> that you paid a premium cuz it's

[1:02:57] Christian.

[1:02:58] >> Oh, maybe

[1:02:59] >> they marketed it to you and you paid a

[1:03:00] premium for it.

[1:03:01] >> Okay. We talked about it at my Bible

[1:03:02] study group and we all were going to do

[1:03:04] stuff and that's why

[1:03:05] >> they know you're poor as even though you

[1:03:07] make a lot of money.

[1:03:08] >> We don't talk about our finances there.

[1:03:10] >> Well, that seems like actually something

[1:03:11] kind of important to bring up in that

[1:03:14] community setting, but that's okay.

[1:03:16] Inflect killer spray. That's fine. I

[1:03:17] don't think we're getting a What is an

[1:03:19] atheist cookbook? Muslim cookbook. I get

[1:03:21] it. All of a sudden, you don't get pork

[1:03:22] and it gets scary. I understand.

[1:03:25] >> Atheist cookbook. I don't know. Would it

[1:03:27] be baby hearts?

[1:03:28] >> Is that what atheist eat?

[1:03:29] >> Maybe. I don't know.

[1:03:30] >> I don't think you needed a Christian

[1:03:32] cookbook. You paid the premium for it.

[1:03:34] Large arched felt bulletin board. They

[1:03:38] didn't need it to survive. Like, off

[1:03:40] guys. [ __ ] spending. What are we

[1:03:43] doing? And I'm sorry I triggered you

[1:03:45] with the Muslim cookbook because you

[1:03:46] were ranting beforehand how you're

[1:03:48] scared that you bought a house in an

[1:03:49] area that's being overrun by Muslims.

[1:03:51] And yes,

[1:03:51] >> I'm not scared. Dallas worth is, you

[1:03:54] know,

[1:03:54] >> I'm not scared. You know, Frisco.

[1:03:56] >> Yeah, we're like borderline

[1:03:59] is actually really nice, though. Frisco

[1:04:00] is a beautiful city.

[1:04:01] >> And it's not that they're It's not that

[1:04:02] it's bad. They're they're nice. It's

[1:04:04] just that they literally are overtaking

[1:04:07] everything. And those I mean, okay,

[1:04:10] they're overtaking everything and they

[1:04:12] don't have to pay the premium to ask

[1:04:14] for, I don't know, to paint their doors

[1:04:15] and change stuff in their front lawn

[1:04:17] that we do.

[1:04:18] >> What do you mean?

[1:04:19] >> Our HOA requires you pay a fee.

[1:04:21] >> That's your HOA.

[1:04:22] >> Yes, but they're all ran by um a whole

[1:04:25] family and that whole family lives in

[1:04:28] this HOA and they don't require anyone

[1:04:30] else to pay it. But then if I put

[1:04:34] something in, I tried and I had to pay

[1:04:36] that. But I I talked to a lady at school

[1:04:38] and she didn't have to pay it to get her

[1:04:40] flower beds. I wasn't trying to build

[1:04:41] out flower beds, but she built out like

[1:04:43] a rock board around her flower bed and

[1:04:45] she didn't have to pay for it.

[1:04:46] >> She didn't have to pay the the HOA

[1:04:48] approval fee, no application fee.

[1:04:51] >> No.

[1:04:52] >> It's the first thing he ranting to them

[1:04:54] that the schools celebrate the public

[1:04:57] schools celebrate Muslim holidays

[1:04:58] instead of Christian holidays. Correct.

[1:05:00] And I don't like it.

[1:05:01] >> It's interesting. My daughter came home

[1:05:03] and was talking about Ramadan and how we

[1:05:05] can celebrate it at home and I said we

[1:05:07] don't celebrate that. But that's

[1:05:08] wonderful that you learned it.

[1:05:10] >> Okay.

[1:05:11] >> I learned about Ramadan in school.

[1:05:13] >> No, they don't. They did like they did a

[1:05:16] holiday party and that was it.

[1:05:18] >> Well, I would prefer no religion in

[1:05:20] public schools.

[1:05:21] >> Separation of church and state. I just

[1:05:22] think if you're going to allow one, then

[1:05:24] you should allow all.

[1:05:24] >> I mean, it's okay to say like this is a

[1:05:26] holiday that's happening today. Maybe

[1:05:28] get some snacks and treats. No, they

[1:05:29] devote like a whole lesson plan to like

[1:05:32] Chinese Lunar New Year, Ramadan, all of

[1:05:34] that.

[1:05:36] >> But not Easter.

[1:05:37] >> But not Easter. Not like any any other

[1:05:40] like Jewish holiday or Christmas.

[1:05:42] Selective.

[1:05:43] >> It It is because of who's on the school

[1:05:45] board for this school.

[1:05:48] >> Yeah, it's a bit selective.

[1:05:50] >> Uh do all or do none. I don't know.

[1:05:52] >> Yeah.

[1:05:52] >> Patland.

[1:05:55] >> Yep.

[1:05:56] >> Okay. Uh, you immediately just spent

[1:05:58] 2,600. I don't know what's going on.

[1:06:01] >> Uh,

[1:06:01] >> what's happened here?

[1:06:02] >> That That's the dog. We financed our

[1:06:04] dog.

[1:06:05] >> You just got the dog.

[1:06:07] >> Yep.

[1:06:08] >> Are you afraid of them eating it?

[1:06:10] >> No,

[1:06:12] >> of course not.

[1:06:12] >> That's a racist joke for you.

[1:06:15] Uh $2,570.

[1:06:19] The What is a pet land? This one of

[1:06:21] those like

[1:06:22] >> pet stores

[1:06:23] >> females.

[1:06:24] >> Oh, those are those places are bad,

[1:06:25] dude. I have heard after the fact that

[1:06:27] apparently people have some pretty low

[1:06:28] opinions on them. I didn't know about

[1:06:30] any of that. So, sorry to the people who

[1:06:33] protest pet land.

[1:06:34] >> Well, they're just kind of like puppy

[1:06:35] mills. Not saying like adopt not shop,

[1:06:37] sure, but if like every adopt is like a

[1:06:39] pitbull, like I get it. You don't

[1:06:40] necessarily need to do that cuz they'll

[1:06:41] kill your kids. But besides that, like

[1:06:44] puppy mills aren't always the best.

[1:06:46] >> Was a a like accredited breeder and they

[1:06:49] gave background on horse. Why do you

[1:06:52] think they're going to say, "Hey, we're

[1:06:53] an unethical business. Please come to us

[1:06:55] and spend your money.

[1:06:57] >> Okay. Well, either way, you open a

[1:06:58] credit card with them.

[1:07:00] >> Yeah, it's uh deferred deferred interest

[1:07:02] financing on the dog.

[1:07:03] >> How many dogs you got?

[1:07:05] >> One.

[1:07:05] >> Just the one.

[1:07:06] >> What'd you get?

[1:07:07] >> An Australian Shepherd.

[1:07:08] >> I'm sure it's a beautiful dog.

[1:07:10] >> It's fine, but it's supporting a

[1:07:12] business that isn't necessarily the

[1:07:13] best.

[1:07:15] >> 24 month. Oh, deferred.

[1:07:17] >> Deferred. Yeah,

[1:07:18] >> guys.

[1:07:19] >> I know. We're only making the minimum

[1:07:20] right now.

[1:07:21] >> Oh, yeah. 30 bucks. Okay. So, 2570. I'm

[1:07:24] guessing you have like uh 23 months

[1:07:26] left. 257 uh 23. So, you actually have

[1:07:30] to make $112 payments a month or else

[1:07:34] this is going to acrue at a 36%.

[1:07:37] No, no, no. It is accuring at a 36%

[1:07:39] interest. And then that interest will

[1:07:40] hit if you don't pay it off and what? 23

[1:07:43] months from now.

[1:07:44] >> Yep. So, $112 a month now going forward.

[1:07:48] Are you hundreds of dollars will hit?

[1:07:51] Oh, you don't even like the dog.

[1:07:53] >> I really want

[1:07:54] >> You're not like a dog.

[1:07:55] >> I really want to. What creature are you?

[1:07:58] >> He's I I love dogs. I grew up with dogs.

[1:08:00] >> What?

[1:08:01] >> I want to love him, but right now it is

[1:08:03] so hard.

[1:08:05] >> He lacks training, but he also won't

[1:08:07] train him.

[1:08:08] >> Well, yeah, puppies don't come with

[1:08:09] training.

[1:08:10] >> Well, of course not. But when part of

[1:08:11] the agreement of us getting this dog was

[1:08:14] saying, I will I will do all the

[1:08:16] training. You will do all the training.

[1:08:17] Well, why aren't you training them?

[1:08:18] >> And I do when I have time. Oh, hey

[1:08:21] buddy. No, no, no, no, no, no, no. If

[1:08:22] you said, "Well, let's get a dog. I'll

[1:08:24] do the training.

[1:08:24] >> Lay down. Come and like stay." He knows

[1:08:26] all of this.

[1:08:27] >> The training that hasn't happened. How

[1:08:28] many months old?

[1:08:29] >> He's seven.

[1:08:31] >> Seven months. He's one month older than

[1:08:32] I am.

[1:08:32] >> So, you're out of the puppy training.

[1:08:34] You're out of the potty training.

[1:08:36] >> Yeah. So, training is good. What? And he

[1:08:38] listens to command. What are you

[1:08:39] complaining about then?

[1:08:40] >> He just hyperactive. Sometimes you sit

[1:08:44] and lay down. But the problem is when

[1:08:46] he's running around the backyard, he

[1:08:48] will fur missile into our middle child

[1:08:51] and hit him square in the torso. He nip

[1:08:54] nips all three of them. I mean, he bit

[1:08:56] the toddler on the face the other day

[1:08:58] >> in a play way or aggressive way.

[1:09:00] >> He thinks he's playing.

[1:09:01] >> He thinks he's playing. Yeah. I mean,

[1:09:02] yes, more training is going to Yeah, you

[1:09:04] might need more professional training on

[1:09:05] that, honestly, with kids for what it's

[1:09:07] worth. Yeah. I mean, seven monthy old

[1:09:09] Australian Shepherd, yes, it's going to

[1:09:10] be a bit more wild and you just need

[1:09:12] more professional training.

[1:09:13] >> That's new to me. I've never had such an

[1:09:14] active dog before. I grew up with lap

[1:09:16] dogs. I've I've never been around a dog

[1:09:18] like this.

[1:09:19] >> Yeah, Australians, they're crazy. Yep.

[1:09:21] No, it's true. Um, okay. Well, someone

[1:09:24] needs to take some responsibility here

[1:09:26] and do something and probably do real

[1:09:28] training.

[1:09:29] >> Real training.

[1:09:31] >> Yeah. Maybe paid for, unfortunately.

[1:09:33] >> Robin Hood credit card.

[1:09:35] >> Mhm. I love my Robin Hood credit card,

[1:09:37] but uh you guys have done the opposite

[1:09:40] of me.

[1:09:41] >> Yeah,

[1:09:41] >> I don't have access to that.

[1:09:43] >> I'm okay with you guys like at some

[1:09:44] point doing some kind of like shortcut

[1:09:46] like um like I know you're trying to do

[1:09:48] the avalanche. Not really. But if you do

[1:09:50] any kind of consolidation or personal

[1:09:52] loan, I just want to keep this in the

[1:09:53] back of your head. Bankruptcy, but not

[1:09:55] until you change your behavior because

[1:09:56] we're not changing our behavior. Again,

[1:09:57] there's spending on here. We're if we're

[1:09:59] we're not changing our behavior. You're

[1:10:01] still spending on credit cards that you

[1:10:02] are not even or you're just making the

[1:10:04] minimum payments. you're not pay paying

[1:10:05] off. You done consolidations before?

[1:10:08] >> Yes.

[1:10:08] >> Okay. See, and that just shows cuz then

[1:10:10] you rack it back up. It doesn't work

[1:10:12] until you change your behavior. Okay.

[1:10:14] >> Mhm.

[1:10:15] >> When you're ready. And for people out

[1:10:17] there that have changed their behavior,

[1:10:18] we do have a good personal loan service

[1:10:20] at caleb.com that we just connect you

[1:10:22] with good personal loans, the best

[1:10:24] personal loans for you. Check that out.

[1:10:25] And actually credit cards as well. Those

[1:10:27] are for people that are credit card

[1:10:28] people like me because I do really well

[1:10:30] with the Robin Hood app. So, I use our

[1:10:32] credit card finder service. You guys

[1:10:35] can't the personal loan. Maybe someday

[1:10:37] for consolidation. It's good for them,

[1:10:40] but not for you. Change your behavior

[1:10:42] first because again on here you spent

[1:10:44] $712 even though it's maxed out. WHY?

[1:10:48] Who's Robin Hood card?

[1:10:49] >> It's mine.

[1:10:50] >> Of course. I thought she was the

[1:10:52] problem. $4,685.73.

[1:10:57] $168

[1:10:58] is the minimum. 20 years to pay off

[1:11:01] minimum with no purchases. 20.

[1:11:05] Yeah. YouTube TV, which is fine. Again,

[1:11:08] it's fine, especially at your income

[1:11:09] level. I'll give you a large

[1:11:11] subscription fund. It's okay. Okay. It

[1:11:13] comes with all the NFL [ __ ] Yeah.

[1:11:15] YouTube TV is good.

[1:11:16] >> That's the only reason I got it.

[1:11:18] >> You're putting on a credit card that you

[1:11:19] can't pay off though, so it doesn't make

[1:11:21] sense for you. Storage King, you guys

[1:11:23] have a big storage unit.

[1:11:24] >> Yes, we do.

[1:11:25] >> Lifetime. You can't afford lifetime.

[1:11:28] >> It is. Listen, Lifetime's great. I also

[1:11:30] have that. You don't need it.

[1:11:32] >> I I need it.

[1:11:33] >> Not Lifetime, though.

[1:11:34] >> I need Lifetime.

[1:11:35] >> Why?

[1:11:36] >> So, Lifetime has the only Lifetime is

[1:11:39] the only gym in our area that has um

[1:11:41] >> childare

[1:11:42] >> child care for more than just the

[1:11:44] morning. And I can't always go in the

[1:11:45] morning.

[1:11:46] >> [ __ ]

[1:11:48] Okay. Well, don't put it on a credit

[1:11:50] card. You're paying 550 a month.

[1:11:52] >> Yeah, it's even more.

[1:11:54] >> Good death.

[1:11:56] Good death, man. But look, the dude

[1:11:59] lifetime

[1:12:00] I will not give it up. It's not It's not

[1:12:03] >> You have to budget it in.

[1:12:04] >> I do budget it in the the

[1:12:06] >> You're spending more money than you do.

[1:12:08] >> Yeah. The balance that's on there that's

[1:12:09] from before we even got the lifetime

[1:12:11] membership. But

[1:12:13] >> so it was already at a high balance.

[1:12:15] >> So you're making it worse. You're just

[1:12:16] getting you're maintaining it.

[1:12:17] >> Yeah. But I'm I'm yourself.

[1:12:19] >> I'm paying more than the lifetime plus

[1:12:22] minimum payment every month.

[1:12:24] >> Barely. It's moved down like a couple

[1:12:25] bucks even though you're still spending

[1:12:27] money. That money, that $700 that you

[1:12:28] spent could have been $700 that went

[1:12:30] towards the card and brought it down to

[1:12:32] uh below $4,000. So, go [ __ ] yourself.

[1:12:35] What are you talking about?

[1:12:36] >> I don't care what you say. I'm not

[1:12:37] giving up that membership. I

[1:12:38] >> I'm not necessarily saying you have to,

[1:12:40] but it's going on a credit card.

[1:12:41] >> You just said I can't afford it.

[1:12:43] >> Not in this context. Not on a credit

[1:12:44] card that is accuring interest. If we

[1:12:46] can put it on a debit card, maybe we can

[1:12:47] figure it out. But you got to cut things

[1:12:48] somewhere. I give everyone a gym

[1:12:50] membership on the show. lifetime. A bit

[1:12:52] excessive potentially for your

[1:12:53] situation, but we'll figure it out in

[1:12:55] the end.

[1:12:55] >> All right. Well,

[1:12:56] >> who's the American Express Gold card?

[1:12:58] >> That'd be mine.

[1:13:00] >> Oh, buddy.

[1:13:00] >> So, that's that's a card that I got

[1:13:02] specifically uh for both of us to use,

[1:13:05] even though it's only one card that's in

[1:13:07] my name.

[1:13:08] >> Okay. Well, this one it looks like you

[1:13:09] actually pay off.

[1:13:10] >> Yes. Yeah. That one has been used for

[1:13:12] only groceries and eating out.

[1:13:16] >> OKAY. EATING OUT IS [ __ ] BUDDY. I I

[1:13:19] AGREE, but it's something that we're

[1:13:21] struggling to escape.

[1:13:22] >> So, oh, are you guys adults or not? Shut

[1:13:24] the up. What do you mean you have kids?

[1:13:26] Shut up.

[1:13:26] >> Yeah. So, it goes on that and it's been

[1:13:28] getting paid off every month.

[1:13:30] >> Yeah. Yeah. And I can give you the high

[1:13:31] five for paying it off every month. But

[1:13:32] guess what? The money you're having to

[1:13:33] use to pay it off every month that is

[1:13:34] going towards paying off your eating out

[1:13:36] could be money that is going towards the

[1:13:37] three credit cards that that came before

[1:13:39] this that are not being paid off. So, if

[1:13:42] you spend you know what what did you

[1:13:43] spend on this? You spent like 2,000 on

[1:13:44] this card, right? Across the multiple

[1:13:46] things and you paid it off. Great. Say

[1:13:47] a,000 of it is eating out. That means

[1:13:48] that's a,000 of it that you could put

[1:13:50] towards the Robin Hood card and bring it

[1:13:51] to below 3,000

[1:13:53] combined with the spending you did on

[1:13:55] the Robin Hood card. So, it doesn't

[1:13:56] matter. Like, yes, this is paid off.

[1:13:58] Congratulations. First card of the four

[1:14:00] cards we looked at that has paid off,

[1:14:02] but it is still money being spent that

[1:14:03] could go towards things to improve your

[1:14:05] life and actually avalanche like you

[1:14:07] like to. You're not avalanche. You've

[1:14:08] never heard of avalanche in your life.

[1:14:10] >> I mean, obviously, I've heard of it. I

[1:14:12] wouldn't have brought it up if I had.

[1:14:13] >> You don't know what it is, though. If

[1:14:14] you're not doing it, you're uber eating.

[1:14:16] Uber eating

[1:14:18] >> that that would be

[1:14:19] >> calories [ __ ] Domino's.

[1:14:21] >> I disagree with Uber eating.

[1:14:23] >> What? Okay. He does.

[1:14:24] >> Well, you should. Yeah, it's it's a

[1:14:26] premium. It's like an extra I looked at

[1:14:28] the statistics yesterday. It's like an

[1:14:29] extra 90% sir charge. Yeah, I believe it

[1:14:32] >> 100%. And I I don't disagree, but

[1:14:36] working 8 hours a day, having kids and

[1:14:38] school, and then he is going to go to

[1:14:40] work at 5. He wakes up at 4:30. He takes

[1:14:43] like an afternoon nap

[1:14:44] >> and the sister needs to step in in some

[1:14:45] kind of way in some kind of way. You

[1:14:46] need to step up in some kind of way. And

[1:14:48] also meal prep. If we're cooking a few

[1:14:49] times a week, you can warm things up.

[1:14:50] It's easy.

[1:14:52] >> True. So,

[1:14:52] >> and I do I do I do sometimes like I'll

[1:14:54] make a big I'll make a big meal and

[1:14:57] we'll save it and we'll have it like for

[1:14:59] leftovers or whatever. But when you're

[1:15:02] like the primary cooker

[1:15:04] in your house.

[1:15:06] >> If you or your child spent years growing

[1:15:08] up on social media and experience

[1:15:10] serious mental health struggles, you

[1:15:12] should hear this. Recently, a jury

[1:15:14] ordered Meta and YouTube to pay millions

[1:15:17] for their role in designing and

[1:15:18] promoting addictive platforms. They knew

[1:15:21] their apps could contribute to anxiety,

[1:15:23] depression, and body image issues, but

[1:15:26] did not share those risks while

[1:15:28] prioritizing profits. The recent

[1:15:30] historic verdict underscores the

[1:15:31] consequences of those decisions. Now

[1:15:33] Morgan and Morgan is stepping up to hold

[1:15:35] these platforms accountable for the harm

[1:15:37] they caused. Click the link in my bio to

[1:15:40] take a short quiz. You may be entitled

[1:15:41] to a potential recovery of over $1,000.

[1:15:45] Stop bleeding out money making minimum

[1:15:47] payments across multiple highinterest

[1:15:49] accounts. Most Americans are spending

[1:15:51] hundreds, sometimes thousands of dollars

[1:15:53] that could be going toward actually

[1:15:55] paying down debt instead of lining some

[1:15:58] bank's pockets. And look, if you're

[1:16:00] sitting on highinterest credit card

[1:16:01] debt, a car loan at 18% or oh my

[1:16:04] goodness, a payday loan charging you

[1:16:07] tripledigit interest rates, you need to

[1:16:10] hear this. If you've already cut up the

[1:16:12] cards and built better financial habits,

[1:16:14] but you're still drowning in interest

[1:16:16] payments, barely making progress, this

[1:16:18] is for you. I have opened my very own

[1:16:21] marketplace, a personal loan marketplace

[1:16:23] that lets you get personalized offers

[1:16:25] from multiple lenders in one place. You

[1:16:28] can see if you pre-qualify in minutes

[1:16:31] and it won't impact your credit score.

[1:16:32] But here's the deal. This isn't a magic

[1:16:35] bullet. If you refinance your debt but

[1:16:37] keep swiping, you're just making the

[1:16:39] problem worse. You still need to fix the

[1:16:41] behavior that screwed you in the first

[1:16:43] place. But if you're serious about

[1:16:44] getting out of debt faster, you could

[1:16:46] potentially lower your monthly payment

[1:16:48] by securing a single payment at a much

[1:16:51] better rate. Check out the link in the

[1:16:53] description below to see your

[1:16:54] personalized offers or go to caleb.com.

[1:16:56] And remember, you still got to do the

[1:16:58] work. Listen, I don't know if she I'll

[1:17:00] get your sister a course careers cuz you

[1:17:01] guys are doing great on your income.

[1:17:03] Sounds like she needs to figure her [ __ ]

[1:17:04] out. I'll get her course career

[1:17:05] certification and I'll get her on Helium

[1:17:07] as well for a cheaper phone plan. But I

[1:17:10] don't know, like she needs to step up

[1:17:12] and help. Domino's, Waterburger,

[1:17:14] Starbucks. [ __ ]

[1:17:17] Exquisite Cafe. Morning Donut. Cheeky

[1:17:21] Monkeys. Cheeky Monkeys. So much

[1:17:23] [ __ ] Chick-fil-A.

[1:17:25] The cheeky monkey was a birthday. Black

[1:17:27] Rock coffee Uber Eat 65 bucks in that

[1:17:30] one.

[1:17:31] >> It's [ __ ]

[1:17:33] >> SO, YES, PAID OFF, but could instead go

[1:17:36] towards actually helping to pay off one

[1:17:37] of your bad debts.

[1:17:40] Oh, one main financial. What is this?

[1:17:42] >> Yep. So, this is a consolidation loan

[1:17:44] that I took out a few years ago. Uh

[1:17:47] because we were and this is before most

[1:17:49] of these credit cards that we've gone

[1:17:50] over even existed, but we we had gotten

[1:17:54] stuff or all of our cards maxed out. I

[1:17:56] didn't

[1:17:57] >> all of his cards maxed out and this is

[1:17:58] before we were started looking for a

[1:18:00] home and it's the reason why we couldn't

[1:18:01] buy a home sooner than we did.

[1:18:03] >> So you guys are renting right now?

[1:18:04] >> No, we bought a home but so this was

[1:18:07] like 2 years ago but we lived in an

[1:18:09] apartment for a year and then my job

[1:18:11] gives really

[1:18:12] >> Did he take it out behind your back?

[1:18:14] Yeah, he took it out and didn't tell me

[1:18:15] about it.

[1:18:16] >> And I had been planning and we'd been

[1:18:18] talking about buying a home and my

[1:18:19] >> [ __ ] she can't trust you.

[1:18:20] >> My job gives really great bonuses that

[1:18:22] we could have used toward a down payment

[1:18:24] to lower our rent and then he did this

[1:18:27] which up our debt to income and we

[1:18:30] couldn't buy a house.

[1:18:31] >> Yeah. Yeah, I was wait for another I um

[1:18:35] >> I was trying to control take take

[1:18:38] control of all the finances without, you

[1:18:40] know, having the mature conversation of

[1:18:42] explaining that we're in a bad spot and

[1:18:45] I just did that. I thought I could

[1:18:46] >> What's the point of the personal loan

[1:18:47] anyway? The interest rate is practically

[1:18:49] a credit card at 24.21%

[1:18:51] interest right?

[1:18:53] >> It was still better than the rates that

[1:18:54] I had

[1:18:55] >> and at least I don't know. Okay. Uh you

[1:18:58] can usually declare some kind of

[1:18:59] hardship with many credit cards and

[1:19:01] they'll get you on like a 1% interest

[1:19:03] loan,

[1:19:03] >> but then you have to close out the

[1:19:04] credit card. Yes.

[1:19:08] >> What's the point of the personal? What

[1:19:09] was the consolidation without closing?

[1:19:11] You're just going to end up in the same

[1:19:12] situation which you did. So if

[1:19:16] >> Okay. So $47787.

[1:19:20] >> Mhm. a month and you owe $10,1181

[1:19:24] with an insane interest rate.

[1:19:27] >> Yeah.

[1:19:28] >> Okay. And I'm also being told there was

[1:19:30] another loan that he didn't send in.

[1:19:31] What the what?

[1:19:33] >> So, we have an upstart loan that I

[1:19:35] originally took out to pay for our

[1:19:36] daughter's dental care because he failed

[1:19:39] to put her on his dental plan and she

[1:19:42] never had dental care and then she had

[1:19:44] cavities and that was $10,000. So, I had

[1:19:46] to take out a loan to assist in the

[1:19:48] payment of that because he failed to put

[1:19:50] her on insurance.

[1:19:51] >> Why aren't you putting your kids on your

[1:19:52] insurance dude?

[1:19:53] >> He was lazy and procrastinated.

[1:19:54] >> I have since then it was

[1:19:56] >> Well, since then after the consequences.

[1:19:59] >> Yeah. No, I I recognized where I where I

[1:20:01] messed up in that situation,

[1:20:03] >> but you know, obviously her dental

[1:20:07] health is important and she need there

[1:20:09] was work that she needed to get done. I

[1:20:11] felt like if we waited the two months

[1:20:14] for her to actually be on the insurance

[1:20:16] plan and then schedule everything, it

[1:20:19] would have been okay. But instead, we

[1:20:21] just

[1:20:23] >> pushed through and took care of it.

[1:20:24] >> That he didn't have her on insurance. I

[1:20:26] got independent insurance for her. But

[1:20:27] they told us to wait 60 days before any

[1:20:30] actual care could be done aside from

[1:20:32] like cleanings.

[1:20:34] >> He wanted to get it done ASAP.

[1:20:36] >> It wasn't a

[1:20:38] root canal emergency.

[1:20:40] She she had she had several cavities and

[1:20:42] needed crowns.

[1:20:43] >> Yeah.

[1:20:44] >> Although which age one?

[1:20:46] >> The oldest. So she was she was five at

[1:20:48] the time.

[1:20:48] >> That's like her baby teeth, right?

[1:20:50] >> Yes. But then if you don't take care of

[1:20:52] them, it Well, okay. If you don't take

[1:20:54] care of those teeth and it burrows down

[1:20:55] into the teeth that come up and it like

[1:20:57] you up for the rest of your life.

[1:20:58] >> Okay. So,

[1:20:59] >> and the dentist said you couldn't wake

[1:21:01] >> those. I was at work so he took her.

[1:21:04] >> Oh, you just went. You just did.

[1:21:06] >> Yeah. I I took her and

[1:21:08] >> I I felt pressured to get it done right

[1:21:10] then and there from Cali instead of

[1:21:12] waiting

[1:21:13] >> two months for her to actually have

[1:21:15] insurance coverage that's necessary for

[1:21:17] her to not get those anymore.

[1:21:19] >> Yes. Earlier to get such intense dental

[1:21:22] work right?

[1:21:22] >> Yes. But I was also the only one who was

[1:21:24] brushing her teeth and I would do it day

[1:21:26] and night.

[1:21:26] >> She's brushing her own teeth now. I

[1:21:27] don't she's old enough to do it now as

[1:21:30] long just as long as she's

[1:21:31] >> Okay. What's the balance and upstart?

[1:21:32] Uh,

[1:21:33] >> it's like 5600 because whenever I get

[1:21:36] bonuses,

[1:21:36] >> what's the minimum monthly payment?

[1:21:37] >> It's I think like 112.

[1:21:39] >> What's the interest?

[1:21:41] >> 32%.

[1:21:42] >> What the?

[1:21:44] >> It was what I could get at the time.

[1:21:46] >> Okay. Wells Fargo credit card. What's

[1:21:47] this?

[1:21:48] >> So that's mine. Uh,

[1:21:50] >> what? What? Have they not been yours

[1:21:51] yet?

[1:21:52] >> Everything is Everything that you have

[1:21:54] is mine, but the spending

[1:21:56] >> I gave you all of my stuff.

[1:21:58] >> Okay. Well, I didn't send it in. Sorry.

[1:22:00] What the?

[1:22:01] >> So there's It's even worse. It's even

[1:22:03] more. So

[1:22:04] >> I have like three credit cards. They're

[1:22:06] not bad,

[1:22:07] >> but they're not with like high limits

[1:22:09] like his are. His are matter. They're

[1:22:11] still balances. You dumb tit.

[1:22:12] >> You're right. The the reason she The

[1:22:14] reason I didn't send them in is because

[1:22:15] uh that Upstar loan that I've got was uh

[1:22:18] it consolidated her stuff. So it's in

[1:22:21] >> But she still has balances on her credit

[1:22:23] cards right?

[1:22:23] >> I have recurring stuff that pays off

[1:22:25] every month. So I

[1:22:26] >> pay it off every month. They're

[1:22:27] balances. You don't like I still want to

[1:22:29] know your spending.

[1:22:31] >> Oh, it's like Apple Music.

[1:22:32] >> Be prepared to pull those up. I want to

[1:22:33] see the spending. Either way, 5,336.16.

[1:22:38] Minimum to payment $123.72.

[1:22:42] >> Interest is acrewing. So, it's

[1:22:43] temporarily at 1%.

[1:22:45] >> Right. Yeah. So, that that account that

[1:22:47] account is closed.

[1:22:48] >> Ah, so you did the hardship thing that I

[1:22:50] talked about.

[1:22:51] >> I didn't know that that's what I was

[1:22:53] signing up with them to do. I was just

[1:22:55] >> What's wrong with closing your accounts?

[1:22:56] You you already have a house.

[1:22:57] >> There's nothing wrong with it. I didn't

[1:22:58] know that I could close it and take out

[1:23:01] or get this hardship situation with them

[1:23:03] to have a minuscule interest rate on

[1:23:06] what's left. I didn't know that that was

[1:23:08] an option, but I found it by accident.

[1:23:10] >> Are you paying on that?

[1:23:11] >> Yeah.

[1:23:11] >> I didn't know that.

[1:23:13] >> What?

[1:23:13] >> That he was paying on the Wells Fargo

[1:23:15] one.

[1:23:16] >> Well, he has a minimum.

[1:23:16] >> Yeah, just the just the minimum every

[1:23:18] month.

[1:23:18] >> Um, I think now would be a really great

[1:23:20] time to tell you that he also opened up

[1:23:21] a new credit card with USAA.

[1:23:23] >> Myself.

[1:23:24] >> Yeah. Well, since Okay. Yeah, since we

[1:23:28] just got it in the mail.

[1:23:29] >> Why, dude? What is your addiction here?

[1:23:31] This is insane.

[1:23:32] >> So, a lot of those other ones I fell I

[1:23:34] fell into the trap of points chasing. I

[1:23:37] I didn't do it I didn't do the process

[1:23:39] correctly and that's how

[1:23:41] >> what like interest is acrewing and that

[1:23:42] completely negates any kind of points

[1:23:44] you'd ever get.

[1:23:45] >> Yes. Precisely.

[1:23:46] >> Okay. So,

[1:23:47] >> so and then you applied to financial

[1:23:48] audit, submitted your documents and then

[1:23:50] got a new credit card. Like you already

[1:23:51] know you're

[1:23:52] >> Yeah, I know,

[1:23:53] >> brother. So this hind card so he

[1:23:55] couldn't activate it.

[1:23:56] >> Even on here it says [ __ ] spending.

[1:23:58] Rosa's cafe and tortilla going inside

[1:24:00] getting some energy drinks. More

[1:24:02] Petland. What the? You made your pet

[1:24:05] petland down payment maybe on here.

[1:24:07] >> So that's a separate financing deal. It

[1:24:10] charges over uh it charges over 12

[1:24:14] months a uh a set balance.

[1:24:17] >> Chip donuts. Chip donuts. And I'll be

[1:24:18] honest,

[1:24:20] >> girl had her friends in town. I was

[1:24:23] like, you know, let's give them a little

[1:24:24] Texas love. Gosh [ __ ] please. I used to

[1:24:27] think they were incredible. There some

[1:24:28] Those were the worst donuts I've ever

[1:24:30] had in my life.

[1:24:30] >> It's got to be a fresh glaze. It's the

[1:24:32] only way it's good.

[1:24:34] >> And they're [ __ ] They're just They're

[1:24:36] like bread. This is bread. It's not

[1:24:38] donuts. They're like They're actually

[1:24:40] like a loaf of bread that's slightly

[1:24:41] glazed. They're [ __ ] man. That is

[1:24:44] >> I know. I know there's better donuts out

[1:24:45] there. That's

[1:24:46] >> Yeah. Round donuts. Crispy cream. Donuts

[1:24:49] ever.

[1:24:50] Even Duncan. Tim Horn.

[1:24:52] >> Absolutely. Duncan is trash.

[1:24:54] >> It's not good. You're right. It's not

[1:24:56] good. But it's better than Shipley.

[1:24:58] Shipley's not a donut, dude.

[1:24:59] >> Why are we arguing over Shiplan?

[1:25:03] >> Donut. We are donut connoisseurs.

[1:25:05] >> We are fat. Except

[1:25:06] >> and he's got a bad opinion about it's

[1:25:08] not a bad They're not donuts. You're

[1:25:10] right. Dunkin is [ __ ] But at least

[1:25:12] they're donuts. You were talking about a

[1:25:14] loaf of bread that gets a little glaze

[1:25:16] on it. It's horrible. It's literally it

[1:25:19] is the Congratulations. They're

[1:25:21] horrible. Everyone I saw everyone shake

[1:25:23] their head yes when I said that cuz

[1:25:24] they're [ __ ] donuts. You're a bad fat.

[1:25:26] >> Okay.

[1:25:27] >> I don't want to be fat. So I guess it's

[1:25:29] a good thing that I'm a bad fat. Oh,

[1:25:31] you're only getting fatter and it's on

[1:25:32] shitty food.

[1:25:32] >> Yeah, it's cuz I'm damn good at getting

[1:25:34] fat.

[1:25:34] >> You're damn good at eating the worst

[1:25:36] donuts.

[1:25:37] >> If you're going to be in public safety,

[1:25:38] at least get the good donuts.

[1:25:41] >> Well, I don't get donuts while I'm

[1:25:42] working.

[1:25:44] >> He gets them after for the kids. We do

[1:25:47] like a little donut sundae which has

[1:25:50] >> crispy.

[1:25:51] >> Well, yeah. Honestly, we don't really

[1:25:52] >> I love crispy cream. There's not one on

[1:25:54] the way home.

[1:25:54] >> What the?

[1:25:56] >> It's too out of the way.

[1:25:57] >> Okay. Saver card. Who?

[1:25:59] >> Also mine.

[1:26:00] >> $97242.

[1:26:03] I can never get Shipley. It's

[1:26:05] horrendous. What?

[1:26:07] >> The worst [ __ ] I've ever had. The the

[1:26:09] friends were so disappointed and

[1:26:10] everyone was so disappoint. They were so

[1:26:11] they were just so bad. They were so bad.

[1:26:13] Got the glaze. Got the filled. got the

[1:26:16] uh strawberry sprinkles. We got

[1:26:17] everything and it was all [ __ ]

[1:26:20] Barbarian filled. Horrible. Horrible.

[1:26:22] Horrible.

[1:26:23] >> I don't disagree.

[1:26:24] >> Then I got one and then I ate one the

[1:26:26] next day and it gave me diarrhea farts

[1:26:28] all day. It was horrible. $97242

[1:26:31] cents on here. Interest being acred. No

[1:26:33] purchases, but you're only making the

[1:26:34] minimum payment cuz we're avalanching.

[1:26:36] I.e. spending on the credit cards that

[1:26:38] we're putting more towards. Stupid

[1:26:40] stupid ass. 7 years to pay off. Interest

[1:26:44] is being acrewing like crazy. Yeah.

[1:26:46] Okay. Venmo credit card. [ __ ] me. What a

[1:26:49] balance. And a Venmo credit card takes

[1:26:53] eight years to pay off. 2,784.

[1:26:59] Ridiculous. You'll have experienced two

[1:27:01] more preschool graduations

[1:27:03] by the time this has paid off.

[1:27:05] >> But they're all going to use the same.

[1:27:07] >> Yeah. They better cuz that's the most

[1:27:08] pointless waste of society thing. Our

[1:27:11] quality of education is going down

[1:27:12] everywhere in this country. Everyone's

[1:27:14] becoming more and you're giving them a

[1:27:16] celebration for preschool.

[1:27:17] >> Yeah.

[1:27:18] >> [ __ ] off. Kindergarten, whatever. Same

[1:27:20] thing. Same [ __ ] to me.

[1:27:22] >> $69 monthly payment. Eight years to pay

[1:27:24] off. And oh, you're no interest.

[1:27:26] Interest is being accured. Brutal. Of 50

[1:27:29] bucks practically after a $70 payment.

[1:27:32] $277.84.

[1:27:35] Auto. We have a car.

[1:27:37] >> That's my car.

[1:27:38] >> What is it? It's a 2024 Volkswagen Atlas

[1:27:41] Seek.

[1:27:42] >> Okay. Well, you owe $38,000

[1:27:46] $385.74

[1:27:48] with a minimum monthly payment of $754.

[1:27:52] Now, that's that highinccome [ __ ]

[1:27:55] That's where people themselves. I got

[1:27:57] death threats on Twitter yesterday after

[1:27:59] Dexto posted a clip of me saying we

[1:28:01] spent too much on cars. Here's an

[1:28:03] example. They make so much money then

[1:28:04] they get $800 minimum payment on their

[1:28:06] car that they don't need. You know how

[1:28:08] much it was worth for your $40,000 loan?

[1:28:10] >> So I

[1:28:11] >> What's it worth?

[1:28:12] >> It's worth a lot to me.

[1:28:13] >> Okay. $28,000. You

[1:28:16] >> Okay. Well, I yourself I'm going to

[1:28:18] drive the wheels off it. But also the

[1:28:19] car is what everyone says.

[1:28:21] >> Well, I don't have any plans to upgrade.

[1:28:23] >> We What are you a little Nazi? What do

[1:28:25] you mean? What?

[1:28:26] >> I just like my car. We upgraded because

[1:28:29] all three car seats would not fit in my

[1:28:31] previous car.

[1:28:33] >> Don't care. You owe a lot of money on

[1:28:34] this car.

[1:28:35] >> What am I supposed to do? drag the other

[1:28:36] kid behind me with a chain.

[1:28:38] >> There's other cars that exist that can

[1:28:39] fit it that are not $40,000 at an $800 a

[1:28:42] month payment. I What name it off the

[1:28:45] top of my head? A used Volkswagen.

[1:28:48] >> Ours was No, it was new. But we got a

[1:28:50] better deal on it. You on a

[1:28:51] >> Shut the up. You didn't get a good deal.

[1:28:53] You're underwater by $10,000. What's the

[1:28:54] interest rate on it?

[1:28:56] >> Seven and change.

[1:28:58] >> Go off. So, it's barely even competing

[1:28:59] with the marketplace if your money's in

[1:29:00] there and then you got depreciating. You

[1:29:01] already lost 10.

[1:29:04] You'll lose more as it goes. Me so

[1:29:07] stupid. What is this then? A lease?

[1:29:10] >> Yeah,

[1:29:10] >> you have a lease. What's your lease?

[1:29:12] >> I got a 2025 F-150.

[1:29:16] >> This is

[1:29:16] >> And he had a Volkswagen Jetta that was

[1:29:18] almost paid off.

[1:29:20] >> You are a American.

[1:29:22] You don't do anything. You go to work

[1:29:25] and drive a different car.

[1:29:28] You don't need this. You don't do

[1:29:29] anything. You pick up groceries. Even

[1:29:31] I've used it for things that I couldn't

[1:29:32] have done

[1:29:33] >> a couple times that you could rent a car

[1:29:34] for that you could rent a truck in the

[1:29:36] moment for. You don't need you never you

[1:29:39] never in no way do you need an F-150.

[1:29:43] >> I mean I needed something that just like

[1:29:45] hers that could fit all three car seats.

[1:29:47] >> You didn't need a Ford

[1:29:48] >> also and also do other things like

[1:29:51] whenever we were uh she wanted to build

[1:29:54] something for uh doing pottery

[1:29:56] >> rent.

[1:29:59] You don't need to lease this [ __ ] at

[1:30:01] $579.81

[1:30:02] a month, which your miles will likely be

[1:30:04] over, which your gas payment, especially

[1:30:06] now, is aggressive on.

[1:30:07] >> Yeah, the g the gas is hard right now.

[1:30:09] >> Yeah. Your problem. Your fault.

[1:30:11] >> Can I also just say that um our our

[1:30:14] monthly payments increased on things

[1:30:17] because he had a really sweet deal where

[1:30:19] he was still on his parents' insurance

[1:30:21] and he was not paying his dad for the

[1:30:23] insurance. So, they told him to get his

[1:30:25] own. So now he has to pay what is it

[1:30:28] like $300 with your own

[1:30:30] >> uh yeah between

[1:30:32] that for the budget

[1:30:34] >> the

[1:30:34] >> what's the term on this

[1:30:36] >> uh

[1:30:37] >> 5 years

[1:30:37] >> 40 no 48 months

[1:30:38] >> and what are you going to do after once

[1:30:40] it's done

[1:30:41] >> release it to keep it

[1:30:43] >> why something you don't need

[1:30:45] >> get an auto loan to finish

[1:30:46] >> F150 to get to the office and you have a

[1:30:48] Ford F150 to get groceries this is so

[1:30:51] pathetic

[1:30:53] you you're the most American piece of

[1:30:55] [ __ ] with a stupid car. It's so stupid.

[1:30:58] >> I I think that it's that it works out

[1:31:00] because I mean ju right

[1:31:02] >> afford your car payments are a,000 500

[1:31:05] bucks.

[1:31:05] >> Yeah, I know they're expensive, but I

[1:31:07] mean ju just for the truck I have I have

[1:31:09] a

[1:31:10] >> which you don't utilize.

[1:31:10] >> I have a 40 a 40 mile commute to work.

[1:31:13] >> That's even a worse reason to That's

[1:31:15] even a worse reason to have a truck. A

[1:31:16] 40 mile commute. What the

[1:31:18] >> Yeah. No, I I'm I'm not disputing that.

[1:31:20] The fuel economy sucks compared to to

[1:31:22] the last car that I had. But I'm in a

[1:31:24] position where no matter the weather, no

[1:31:26] matter what's going on, I have to get

[1:31:28] there. So

[1:31:29] >> with it, just stay in an SUV. You'd be

[1:31:31] fine.

[1:31:31] >> Over the winter when we had snow and

[1:31:34] ice just

[1:31:35] >> four-wheel drive SUV, you'd be fine.

[1:31:38] >> A four-wheel drive SUV is the same price

[1:31:40] of pickup.

[1:31:41] >> I went to I think it was like the uh

[1:31:43] it's statistically like the eighth

[1:31:45] snowiest university in the United

[1:31:46] States. Snows up to here constantly.

[1:31:48] West Michigan, [ __ ] Lake Michigan,

[1:31:51] lake effect snow. Crazy. I had a

[1:31:53] two-wheel drive horrible sedan and I was

[1:31:57] doing delivery Jimmy John's and uh uh

[1:32:02] avalanches. Shut up.

[1:32:04] >> Compact snow is way easier to drive on

[1:32:06] than

[1:32:06] >> black ice.

[1:32:08] >> What are you talk? I WAS BLACK ICE every

[1:32:10] second of every day. What do you think

[1:32:12] happens up there? It's horrible. It's

[1:32:14] scary.

[1:32:14] >> I think it just snows and everyone

[1:32:15] drives on it and then it compacts and

[1:32:17] it's easy to drive.

[1:32:17] >> No. And it's also like hurricane snow

[1:32:20] [ __ ] too. Blizzards, buddy, this is a

[1:32:23] cope. You're coping. Shut the up. Your

[1:32:27] house

[1:32:29] $323,85684.

[1:32:33] What's it worth right now?

[1:32:34] >> Um, I think it's worth 368.

[1:32:36] >> Okay. So, I guess you would be close to

[1:32:38] breaking even if you sold it after

[1:32:40] everything.

[1:32:41] >> $2,349.71

[1:32:43] a month. A decent rate. Actually, good

[1:32:45] rate at 4.25. So, I do like to see that.

[1:32:47] That's fine. I'm not freaking out about

[1:32:49] the house. Yeah, the

[1:32:50] >> the mortgage payment's a little higher

[1:32:52] now. Um after the first year there was

[1:32:55] >> So what's it now?

[1:32:56] >> Uh just under uh Yeah, it's just under

[1:32:58] 3,000.

[1:32:59] >> Hey, me.

[1:33:01] >> But that was because our taxes went up.

[1:33:03] And then we also found out that we were

[1:33:04] >> Show me your credit cards.

[1:33:05] >> We were We also found out double paying

[1:33:08] insurance.

[1:33:09] >> Here we go. Checking account. Decent

[1:33:10] money in there, but it's Cheesecake

[1:33:12] [ __ ] Great American Lush. Sonic

[1:33:16] Sonic [ __ ] at Target. [ __ ] at

[1:33:18] Target. Amazon, Sonic, Apple Bill,

[1:33:20] Waterburger Lowe's Nails Etsy

[1:33:23] [ __ ] McDonald's, [ __ ] Sonic,

[1:33:26] [ __ ] SONIC, SONIC, SONIC. WHAT IS

[1:33:29] WITH YOU IN SONIC? It's horrible. It's

[1:33:31] the greasiest [ __ ] in the world. It's

[1:33:32] actually

[1:33:34] defend that [ __ ] because it is one

[1:33:36] drink, maybe two with my sister and it

[1:33:39] keeps

[1:33:40] >> $4250 at Sonic.

[1:33:42] >> That was a night that we all had dinner.

[1:33:44] >> Interesting. Shut the up. No, you

[1:33:47] didn't. Okay. $10. It's a $10 drink

[1:33:50] >> if me and my sister go and she gets a

[1:33:51] >> sister that doesn't pay rent. [ __ ] off.

[1:33:53] Amazon. When is that some energy drink?

[1:33:56] Spotify. Sonic. Apple bill.

[1:33:59] >> Energy drink. Snowy fun. [ __ ]

[1:34:01] Energy drink was a birthday.

[1:34:03] >> Panda Express. Off. You can't afford it.

[1:34:05] >> Amazon. Amazon. School Cafe. Raising

[1:34:08] Cane. Sonic. Amazon. [ __ ] Amazon.

[1:34:10] Amazon. Um, okay. Pharmacy probably.

[1:34:13] Okay. McDonald's. Sonic. McDonald's.

[1:34:16] Amazon. Energy drink. [ __ ]

[1:34:20] Auto pay. Oh, auto payment. Well,

[1:34:22] something I don't know, but it's like 41

[1:34:23] bucks. Black Rockck Coffee.

[1:34:25] >> Oh, that was like an auto payment to a

[1:34:27] card.

[1:34:27] >> Amazon. In-N-Out. [ __ ] Apple bill.

[1:34:30] Water burger. Waterburg. Waterburg.

[1:34:31] Sonic.

[1:34:33] Boot city. Cavenders. [ __ ] Sonic.

[1:34:37] [ __ ] Energy drink. [ __ ] Apple

[1:34:40] Bell. Energy drink. McDonald's. Canteen.

[1:34:43] Vending machine. Yeah, at work probably.

[1:34:46] Vetting machine, black rock coffee,

[1:34:47] Sonic coffee,

[1:34:50] [ __ ] raising canes,

[1:34:53] got the trial for AMC, every dollar.

[1:34:55] Well, now you get dollar wise for free

[1:34:57] forever. So, congratulations.

[1:34:58] McDonald's [ __ ]

[1:35:01] [ __ ] Victoria's Secret, 80 bucks

[1:35:03] there. Chick-fil-A, Starbucks, [ __ ]

[1:35:06] Waterburg, Sonic, [ __ ] APPLE BILL,

[1:35:08] SONIC, [ __ ] [ __ ]

[1:35:12] Energy drinks, energy drinks, Sonic,

[1:35:13] [ __ ] Waterburger, black coffee,

[1:35:15] Amazon. Amazon. What the are we doing?

[1:35:18] Savings $103. Wow, what a stunning

[1:35:20] success. $200,000 a year household. What

[1:35:22] the are we doing? 7% employee

[1:35:25] contribution rate for this TMRS. Well,

[1:35:27] what's the balance? 13,000. Definitely

[1:35:29] behind for your age.

[1:35:30] >> Yeah, but that's

[1:35:31] >> Robin Hood 189.

[1:35:33] >> So on that on that retirement account,

[1:35:35] it's um my employer matches 2 to1. So

[1:35:39] >> that's good, but there's only 13 in

[1:35:41] there,

[1:35:41] >> right? But that's that's only my contrib

[1:35:43] that's only my contributions

[1:35:45] >> because I'm not fully vested yet. So I

[1:35:48] can see the amount that will be

[1:35:50] available. It's just not fully available

[1:35:52] until I hit 5 years with them.

[1:35:53] >> Got you. Even still behind for your age

[1:35:55] for sure,

[1:35:55] >> especially at your income.

[1:35:57] >> And that's you guys know what your

[1:35:58] retirement should be at in about one

[1:36:00] year.

[1:36:00] >> Uh probably $100,000.

[1:36:02] >> $200,000 combined. So, what we need to

[1:36:05] be doing is paying off everything and

[1:36:08] then living solely off one income and

[1:36:10] putting everything else away.

[1:36:11] >> You're just literally having a monthly

[1:36:12] fee on here. You're just paying for your

[1:36:13] monthly fee.

[1:36:14] >> I was just saying I need to I can't you

[1:36:17] still haven't cancelceled that card?

[1:36:18] >> No, I haven't. I'm sorry.

[1:36:20] >> You need to I told her that she needs to

[1:36:23] cancel.

[1:36:24] >> Literally just paid a monthly fee for

[1:36:25] the credit card and you didn't even

[1:36:26] spend on it.

[1:36:27] >> And you still have the credit one?

[1:36:29] >> Yeah,

[1:36:29] >> credit one's insane.

[1:36:31] >> Yeah, I need to delete I need to delete

[1:36:33] them.

[1:36:33] >> Delete it. Um, or I need to cancel them.

[1:36:35] >> Yeah, I told you that 3 months ago.

[1:36:38] >> Sorry.

[1:36:38] >> Well, why didn't you do it?

[1:36:40] >> I forgot to be so honest.

[1:36:42] >> Shut the [ __ ] up. What kind of That's so

[1:36:45] immature.

[1:36:47] Credit One's insane. All this bullshit's

[1:36:49] insane. Minimum Ze payments, no

[1:36:51] mortgage $2,42,341

[1:36:54] without the mortgage, guys. 2500 bucks.

[1:36:59] Never been in the credit one app. This

[1:37:01] is disgusting. Okay. Yeah, you purchased

[1:37:03] 46 bucks here. Where where' it go?

[1:37:05] Where' it go?

[1:37:06] >> Probably to [ __ ]

[1:37:07] >> Canva and church

[1:37:11] and another credit one. Jeez.

[1:37:13] >> The Canva I probably need to expense.

[1:37:15] That's for work. I do a lot of our

[1:37:16] marketing stuff.

[1:37:17] >> But you're doing it on the credit one is

[1:37:19] insane.

[1:37:20] >> It's just what was attached to it.

[1:37:22] >> Uh Stan Pato.

[1:37:25] >> What?

[1:37:26] >> I don't know. It's a store. Some some

[1:37:27] guy's store you spend money in. Cur one.

[1:37:30] Oh, and here we go. Recent transactions.

[1:37:32] Black Rockck coffee. Sonic. It just

[1:37:34] continues. He went inside, got some

[1:37:35] [ __ ] Oh, some gas. Sonic [ __ ]

[1:37:37] Starbucks, Jack the Box, Barnes & Noble,

[1:37:39] Monster Yogurt, Chick-fil-A. What the is

[1:37:41] wrong with you?

[1:37:42] >> You guys are pathetic on your spending.

[1:37:44] This is insane.

[1:37:46] Mortgage 2,900.

[1:37:50] What's your gas, electric, utilities,

[1:37:52] internet combined?

[1:37:53] >> Um, our electric is 150. Our gas is 60.

[1:37:58] Our

[1:38:00] water is 125.

[1:38:03] Our

[1:38:04] trash is included in the water.

[1:38:07] >> Internet. So you utility should be

[1:38:09] around 350. Internet also has her phone

[1:38:12] bundle.

[1:38:13] >> It's included in our phone. How much? Um

[1:38:14] it's like $400 a month for

[1:38:16] >> No, no, it's uh

[1:38:17] >> It just went down.

[1:38:18] >> It just went down to three.

[1:38:20] >> Good death.

[1:38:21] >> For phone plus internet.

[1:38:22] >> 650. [ __ ] off, man. Again, helium when

[1:38:25] your phones are paid off. What the [ __ ]

[1:38:26] are we doing? I know the service is

[1:38:28] great up there.

[1:38:29] >> Phone bill. All right. Well, we already

[1:38:31] Is there an additional phone bill on top

[1:38:32] of that?

[1:38:33] >> Um, he should be paying his parents for

[1:38:34] his um

[1:38:35] >> how much?

[1:38:36] >> No. So, my my agreement with my parents

[1:38:38] is they have me on their plan as the

[1:38:42] as the primary so that they can keep

[1:38:45] >> gas vroom vroom drive. Both of you

[1:38:46] combined. It's going to be insane.

[1:38:48] >> Right now, we're like $450 a month.

[1:38:51] >> The price is even that low.

[1:38:52] >> I also get like a $300 stipend every

[1:38:54] quarter for gas.

[1:38:55] >> Oh, quarter. Yeah.

[1:38:56] >> Okay. So, I'll bring it down to 350

[1:38:58] then.

[1:38:59] >> $100 went to it. Car insurance combined.

[1:39:02] >> Uh,

[1:39:02] >> you just combined it.

[1:39:04] >> Oh, what did it just go up to?

[1:39:06] >> About 400.

[1:39:07] >> Kill me. Okay. Necessary food. Listen.

[1:39:10] Okay. So, two 20month-old pretty much

[1:39:12] eating everything normal.

[1:39:13] >> 265.

[1:39:17] >> That's the That's the last payment.

[1:39:20] >> Oh, he added me to it.

[1:39:21] >> Either way, 20-year-old, 2-year-old.

[1:39:23] >> Mhm.

[1:39:24] >> Eating everything just normal.

[1:39:25] >> Oh, yeah. Yeah. Eats everything under

[1:39:26] the sun.

[1:39:27] >> Six month olds sound like baby food

[1:39:28] though right?

[1:39:29] >> Baby food and formula.

[1:39:30] >> Formula formula is $200 to $300 a month.

[1:39:33] >> That's fine. So I think we should be

[1:39:35] able to do groceries. Total meal

[1:39:36] prepping about a,000 bucks. TP find

[1:39:39] anything else needed to survive. That is

[1:39:40] diapers. That is everything. That is

[1:39:41] [ __ ] as toilet paper. That is school

[1:39:42] [ __ ] It's going to be expensive for a

[1:39:44] household like yours. About 500 bucks a

[1:39:45] month. Medical health care. How much

[1:39:47] co-pays monthly basis? Anything?

[1:39:49] >> Uh we have a uh we owe money to the

[1:39:53] pediatrician's office. Well, that's a

[1:39:55] debt.

[1:39:55] >> Well, it it it's because I didn't know

[1:39:58] the

[1:39:59] >> Well, how much?