Dismissing Mental Health Diagnosis
45sHigh conflict and controversy as a husband dismisses his wife's mental health diagnosis, sparking debate on relationship dynamics.
▶ Play ClipThis Financial Audit episode features April and Sebastian, a couple from Tyler, Texas, with a combined monthly income of $4,100. Their finances are in shambles due to high-interest debt, poor communication, and a failing coffee cart business. The host, Caleb Hammer, dissects their spending, debt, and relationship dynamics, ultimately giving them a Hammer Financial Score of 0 out of 10.
April earns about $500 a week as a server, while Sebastian makes $2,100 a month after taxes as a D1 track coach. Their combined monthly income is $4,100.
Caleb questions how they survive on $4,100 a month, noting that Sebastian's coaching job pays very little and April's income is inconsistent.
April took out an Affirm loan at 36% interest to start her coffee cart business, which is not yet profitable. Caleb calls this 'insane' and a 'hobby' rather than a viable business.
In four months, April has done only 20 events, and her business has not generated any profit. She has no website and spends excessive time on social media.
The couple separated last year and almost divorced. Sebastian had already paid for divorce paperwork. They are now struggling with trust and communication.
Sebastian previously earned $2,000 a week as a truck driver but quit due to mental health issues, including panic attacks and an accident. He now has a record that prevents him from returning.
April feels exhausted and overwhelmed, leading to arguments about her lack of contribution to the business. Sebastian feels she is not doing enough.
Caleb discovers Sebastian frequently texts and video calls female athletes, which April finds concerning. Sebastian defends it as part of recruiting.
Sebastian has banned April from grocery shopping because she overspends. Caleb points out this is a symptom of deeper trust issues.
April's Affirm loan has a 36% interest rate, and the couple has multiple credit cards with high balances and late fees. Their total debt includes a mortgage, student loans, and repossession.
Both have made late payments, incurring extra fees. Caleb notes they are 'made for each other' in their financial irresponsibility.
After listing all expenses, Caleb calculates they are underwater by about $400 a month. He suggests bankruptcy or moving to a city with more opportunities.
Caleb gives them a score of 0 out of 10, citing no emergency fund, no retirement savings, and overspending. He urges them to change their behavior.
April and Sebastian are trapped in a cycle of low income, high-interest debt, and poor communication. Without significant behavioral changes and a move to a location with better job opportunities, their financial and marital future looks bleak.
"The title accurately reflects the host's harsh criticism of the wife's financial decisions and the couple's toxic dynamic."
What is April's average weekly income as a server?
$500 a week.
02:08
What is Sebastian's monthly income after taxes?
$2,100 a month.
09:40
What interest rate is April's Affirm loan for the coffee cart?
36%.
01:12:31
How many events has April done for her coffee cart in four months?
20 events.
18:04
What was Sebastian's previous weekly income as a truck driver?
$2,000 a week.
26:42
How much is the couple's mortgage payment?
$1,751 per month.
01:39:07
What is the couple's Hammer Financial Score?
0 out of 10.
01:43:33
How many times has April overdrafted her checking account this year?
About 30 times.
01:36:29
What is the interest rate on the couple's Capital One card?
28.99%.
01:29:10
How much is the couple's student loan debt?
$52,142.
01:33:14
36% Interest Loan for Unprofitable Business
Highlights the extreme financial irresponsibility of taking on high-interest debt for a business that hasn't made any money.
01:12:31Hammer Financial Score of 0
Summarizes the couple's complete financial failure across all categories.
01:43:33Near Divorce and Separation
Reveals the severe marital strain caused by financial issues.
22:28Lost High Income Due to Mental Health
Shows how mental health can derail a high-earning career and lead to financial ruin.
26:42Banning Spouse from Grocery Shopping
Illustrates extreme lack of trust and control in the relationship.
54:12[00:01] last year. >> What was last year? >> You know, we went through uh >> I don't know. [ __ ] dude. >> A separation. >> Oh, you guys were separated last year.
[00:14] >> If he's going to be that opinionated on what I'm doing right or wrong, then be >> So, she has an official diagnosis and you're just like dismissing it. >> So, if you get diagnosed with something like 15 years ago, does it last forever?
[00:27] I just I think I speak on nothing but facts and you just speak on all emotions and I can't argue with your emotions. >> Who's this person from? I'm believing her name, but >> why do you do video calls with her?
[00:41] >> why do you do video calls with her? >> Uh very frequently coaching stuff. >> Uh okay. Merry Christmas in July. I'm in a giving mood even for you naughty ones. budget,
[00:56] debt, investing, real estate, all of it. 50% off right now. Not sure where you stand? My new and improved Hammer Quiz does the dirty work for you. 2 minutes and you'll know exactly how naughty or nice your finances look. Plus, next
[01:10] steps based on your score. Take the quiz, then take advantage of 50% off and finally fix your finances for good. >> Hi, I'm April. I'm 29 years old. >> I'm Sebastian. I'm 31 years old. We live in Tyler, Texas. And this is Financial
[01:24] Audit. >> Thanks for coming down to Austin, guys. >> I'm a server. >> Okay. Well, attorney Yeah, I mean, that can make >> Yeah, server, waitress. Sure. That that
[01:39] restaurant. I mean, I know I know some people here, my like favorite sushi places make really good money, but then there's, you know, you could be at Chili's and not. Are you at the Chili's or the nice sushi restaurant? I'm at a
[01:52] new Mexican restaurant that is just taking off. Mexican's good. not a higher priced food place, meaning you're probably not making as much. actually. >> Okay, what do you make?
[02:08] >> I I about 500 a week, >> Why do you look like confused and dumbfounded and shocked and concerned and basically every human emotion? Are you sure it's 500 a week?
[02:23] >> I average average average 500. I think it's a good average. not all of the weeks? >> Are you saying she makes more than that? >> I thought so. Somewhere. >> You think so? Or does she know?
[02:36] >> Would he know? >> No. part. Like I do the budgeting and stuff, should know. Um it was >> He should know. Doesn't he know you're
[02:49] the controlling Latino wife? >> Not controlling. We sit down. We sit down. I mean, come on. And I go through. of being punished. >> We sit down and we go through our budget
[03:02] information. Whether it sticks or doesn't, that's that's outside of my >> Kind of. I mean, depending on who you communicate, it's different per you need a different communication style.
[03:15] style. >> Probably. I don't know. Maybe she is >> Yes. >> You're getting like war flashbacks all episode or something. >> Yeah. Like she controlling doesn't
[03:28] listen to me. Um I just have to kind of >> What is she not listening to? >> What is she not listening to? >> Uh how I think money should be spent or And >> what do you think? What's your opinion?
[03:42] I just think that we have a little too much that we don't need in life in like we just >> What is the person who's trying to be frugal not get a say? Wouldn't that like prevent us from being this massive stack
[03:57] of financial documents? If the frugal person had a say, why can't he have a >> He's not frugal. He tries to like he come off as frugal even like when we talk but then he'll be the one who's like also making
[04:12] purchases. So it's pretty back. >> You mean I got to buy something like >> but I can't but I can't. >> So is he the controlling one? >> Okay. So I mean that was opposite of the, you know, intense Latina energy I
[04:27] was kind of getting in here. So how's he the controlling one? issue. Why does it have to be control, not teamwork? What do you mean? So, what does the control look like on his side? >> Well, like he'll
[04:41] he gets upset at any little thing that I try to do with the money or like it's always a problem or if I don't listen to how he wants to do things or what he how he wants to do things or what he wants to do then it's a problem and like
[04:53] my opinions on matters of things are not really >> Accept. >> What does that mean? What happens when >> It's not a good one. >> Okay. And that might be the case, but
[05:08] opinion, though? >> It gets shut down. >> You're just shutting her down. >> Sometimes I'll tell her why it's not a >> You can't even look at her. >> Yeah. What's going on? Hello.
[05:22] >> now he just forcefully did. >> No, that's usually how it goes. cuz like whenever I tell her no and then I just have to look up at the face and I'm like and then I feel bad for telling her no or not agreeing with what she wants me
[05:35] easier if I just >> looking it's not sad, it's mad. >> Yeah. Sometimes you look mad and I don't like you looking mad. So yeah. So like I'll tell her that it's not a good idea because of X, Y, and Z. Or sometimes
[05:50] and >> Okay. But you go do things >> Mhm. >> Is this an understood dynamic in the >> No. >> Okay. Then what the like like
[06:05] >> well like okay for example I didn't know that you were going to have to give >> Okay. >> For that trip that you guys took to go to that meet. That was completely >> not told to me. I knew that it was
[06:21] >> I don't know. >> You don't even know the number. >> Who was that? Is that a kid? >> Huh? >> His friend. You're giving friend money. >> No, because they went they went on a
[06:33] >> No, because they went they went on a trip for a competition and um >> He's a He's a >> What does that mean? >> Yeah. >> What does it mean when I say what are
[06:45] said what the are you competing in? >> Yeah. Was it two different things, >> No. Okay. Just >> But now I know you're a coach, she said. the way. >> Anyway, so he went on this trip to watch
[06:59] his friend and his athlete compete. I didn't know that he was going >> College athletes. >> What sport? >> He went to watch them compete. This was outside of his school that what the
[07:12] competitions. And then he calls me when he's there and he tells me like, "Oh, we went to the casino. Good thing I won $100 so I can pay him back for the trip. >> so you were going to just gamble. You weren't watching. You weren't cruding.
[07:27] >> Okay. One, it was multiple things were being covered on the trip like recruiting, coaching, and there's other learning from them also. >> Okay. What grade do you coach?
[07:40] >> Division >> one. >> one. >> Really? >> I don't teach anything. >> Coaching, coaching, coaching. Sorry.
[07:55] >> Okay, that fits your body type a little more. That makes more sense cuz I knew >> Okay. >> I mean, there's people like, and you >> You know what to do. >> Well, I know, but you do fit that mold,
[08:09] >> Yeah. >> I would say versus the printer. >> Okay. Gotcha. >> You going to be okay with that? You'll be fine. >> And so, hold on. Wait. And so, yes, we
[08:22] went to casino, but only went to the casino because I had never went there you get the free play money. >> What conference? >> Oh, is the uh Are we in like do we
[08:34] >> Mhm. >> Southland. That's not SEC. That's not >> That's none of the It's none of the power fors. It's like a like a mid major
[08:47] and there's like one right below that >> because down here there's sunb belt. >> It's below sunb belt. >> But it's a D1. >> Mhm. So I wouldn't >> Okay. What do you make?
[09:01] >> Uh >> must not be much at that point. >> Like I bring that makes sense. This is more of a volunteer position. >> I would say upgraded volunteer. >> Okay. And are you sure it's D1?
[09:15] >> How often do you guys win? >> Uh, well, all of our sports aren't the >> track team is the best out of all of them. >> Out of all the [ __ ] >> Well, we went to regionals. So, like
[09:28] to regionals. >> Went to regionals. >> Just went. Okay. Very good. >> Didn't you have some athletes win at >> Yeah. So, like we >> What do you make, Sebastian?
[09:40] >> Uh, 2400 a month. No, it's less than that. >> D1, Coach Min. >> No, here the paycheck comes in as 21, I >> Oh, that 21. Yeah. >> Are you sure it is D1? Do you even know?
[09:54] It's below Sunb Belt. >> It's D1. It just It sucks. It's shitty >> No, I I Well, yes, that is true. She's saying it's below 24 >> after taxes. Uh, what hits his account is 21.
[10:08] >> Oh my gosh, guys. How are you surviving on $4,100 a month? busting my ass. >> Burly. No, you're not. You're making even less. >> No, I I do extra stuff. I bring in extra money. I have to.
[10:20] >> So, now you're making two. So, okay. Yeah, sure. So, what's this extra you're >> I'm trying to start up a business. >> Okay. That's not doing extra. You're >> But >> Okay. Who are you coaching for no pay?
[10:34] >> Lol. Um, no. I'm >> You just audibly said LOL. >> in my head. >> You're 29. Okay me. Yeah. What do you
[10:46] >> Well, it's >> or what do you do? What are you trying >> Coffee cart business. >> Yeah, there's definitely no coffee. That's not a crowded market at all. Okay. So, what what's so special about
[11:00] >> Actually, a lot is special about it. >> Of course. I'm sure. Yeah. >> Yes. >> What is there? Vanilla and mocha. I >> caramel. >> No, actually no. None of that. My
[11:13] bestsellers are Kajita Crunch. Uh >> the [ __ ] did you call me? >> What is that? >> So I I infuse culture into my coffee. So >> kill myself. >> You infuse culture? No, just tell me
[11:29] what the flavor. >> Keta crunch. A kaheta is like caramel but not. It's made with goats milk >> and it's like burnt. So, it's has deeper flavors. >> Okay, great. And your next bestseller?
[11:43] >> Pistachio. Pistachio. >> I mean, I love it. I get pistachio Yeah, it is yummy. >> Yeah, I do. what? >> Well, no. Pistachios everywhere.
[11:55] >> Doing but it's different. So, my coffee. >> Is this one burnt as well? >> M burnt. >> No, only Kahita's good burnt. >> Okay. So, what's different about your pistachio? Well, so like the coffee that
[12:07] I use, I use cold brew. I make it myself. Nowhere does cold brew. beans are different. >> My beans. Okay. I get my beans directly sourced from Honduras. I'm Honduran, so I'm bringing my culture into it. It's
[12:22] really high quality beans. I know other coffee places use high quality blah blah blah, but I do. And it's catered for experiences like doing events, weddings, >> It's starting. So, >> okay. See, so shut the up.
[12:38] >> You can't tell someone to shut up when you ask them what did they do. >> It's not >> That's literally how it works. I growing. I'm at a point where I'm breaking even. I'm not losing money
[12:52] >> What? >> No. Tell me what. >> So like I took out uh like a firm in >> firmed for your business. What else was I going to do?
[13:06] I going to do? >> Small business loan. >> Oh my goodness. That's insane. Affirming your startup cost is crazy.
[13:18] >> But it wasn't that it wasn't that much. It's not like I'm starting up,000. >> Okay. I mean, that's a lot of money to be putting on a firm when that [ __ ] can acrew at like a 35% interest depending on what you got. This stack of paperwork
[13:31] can't even tell me you're making money from this, right? your special Honduras. Potachio pistachio. You will great. Well, I can't calculate you will. I can long have you been doing cart? >> Uh
[13:46] >> Go yourself. What the are we doing? You haven't made a dime. What are we doing? bad. >> Are you going to go work for a real school someday? >> Yeah, that's the goal. Uh I given it a
[14:00] record, it doesn't sound like you guys do very well. I just said we were doing >> Well, I just >> And like in his he does really well. >> So like before you go to nationals, you go to regionals, right? I mean, you
[14:12] >> Go to nationals. >> There's a lot of people go to nationals. don't go to nationals. >> Did you go to nationals? Well, that's >> I'm just saying like you were talking about other schools like you were naming
[14:24] saying we did other better than other schools in Texas that from conferences >> Okay. Nearly 7% of uh imported coffee beans come from Honduras anyway. So >> that's a low percentage >> I guess, but it's not as like hardcore
[14:38] it sound. Like I thought this was going to be like less than 1% like this is >> I don't know. I don't have that kind of money to invest on that kind of crazy >> Okay. Well, listen. I love the entrepreneurial mindset. I'm not I don't
[14:53] I know is you guys do not make much money. >> Yep. And you guys fight about everything regarding finances anyway. Like you wants. So it's just like is this what we should be doing in general? And I know
[15:05] from the pre-in that of the venture you're doing, he's kind of growing now a little. Maybe because he's on camera and another dude's calling her camera and another dude's calling her out, but he was fully resentful. Why? I
[15:18] think I do enough. I don't know what else he wants to do. in terms of >> What do you mean? I think there's no she in terms of putting her face out there for more businesses or people to see
[15:34] >> No, he wants me to post more. >> Yeah, I should be posting more, but I time, mental capacity to like be worried about a post and like making it perfect and all these things. He doesn't think I'm doing enough. I'm doing as much as I
[15:47] can with my capacity, with my capabilities for my business, but he >> But I mean, you don't care about her pursuing this, do you? I do. >> Like, in what way? >> So, I want this to be something that
[16:01] turns into something successful. Like, I've reached out to people to have her set up her coffee cart at events that are going on at the school. I let her >> Okay, that's fine. >> But what isn't she doing? Because again,
[16:14] in in the pre-in, like I mean, I was literally told that it was a therapy session, a full on like crazy therapy session your entire pre-in. So, like there's the posting thing that she doesn't do enough of. Then I tell her I
[16:27] people. Not everything can be done just on social media." So, like there's live. There's neighborhoods. There's apartment complexes. There's just people >> I mean, yeah, that might be good for business. Um, and you can give advice,
[16:42] but is she does she want the advice? >> I think she just wants the advice to say that we communicate. I don't think she actually wants to listen or do what I say. ad
[16:59] full-time job that I don't want to have but I have because we need to pay bills you know like you want me to do 100% in these two things but there's not enough
[17:11] >> you just got your nails and had brunch all day on Monday >> which literally was planned it was planned so far in this plan to do that but you can't plan to do the stuff that needs to be done for the business to
[17:25] >> How much are you helping for her business? >> I think so. >> That's terrible. Y'all should be You >> MOM, LOOK AT ME. >> YOU AIN'T DOING NOTHING.
[17:38] >> OKAY. I mean, you don't have to. I'm just curious because if she's like if into things that you think she should be doing, are you stepping up and having to take care of things that she's not? >> Yeah. So, I mean, like outside of more
[17:51] stuff around the house, I mean, do more stuff around the house, but I help with the coffee carts now that my season, my school year is done. So, I do things like that. How many events has she done in this four months?
[18:04] >> What the Oh, come on. In four months. Like, come on. That's pathetic. And I have already set up like 20 >> 20 over the course of what? Contract signed month. Contract signed month and
[18:19] it. >> No, I would say did they sign the contract? Oh, you paid to be in the events. Oh, so it's not they didn't hire >> I'm doing a wedding. I have my Instagram account.
[18:33] >> Give me your phone. Open your phone. What the are we doing? So you don't have a website. Okay. So, how much time are you having to spend helping her with but it sounds like she doesn't want the advice. Sounds like she wants to be
[18:46] >> I don't think I spend too much, but in terms of like the posting and stuff, I spend almost as much time on my own stuff as I do on hers. So, I'm really terms of >> which can you can do, but does she want
[19:01] do that? >> I want You spend an average of almost basically 5 hours a day on the phone. That's this week. Last week it was over 6 hours. >> I spend my when I'm at
[19:14] be making money. >> Whenever it's dead and there we'll have then we'll be dead for like 2 hours cuz it's still a new restaurant. I'm just on my phone. What else am I going to do? >> Well, it's Instagram 8 hours a day.
[19:27] >> Okay. >> Okay. Texting 6 hours a day. Facebook for 4 hours a day. What are you doing on Facebook for 4 hours a day? At that that point. You should have a website. You should be managing things. You
[19:39] >> doing a lot of things if you're on it that much. Tik Tok 2 hours a day. You >> Okay. Then what the are we doing? So that is time you could be doing stuff. don't want to, that's fine. But it sounds like he has a problem with it.
[19:52] And do you agree or disagree? Like >> I it's not I overthink. Here's my thing. Whenever it comes to like posting stuff, I overthink it so much. I have so many but then I'm like it's not perfect. And I told him, I'm like, if you have this
[20:06] would want you to help instead of half assass just saying like this is what you should be doing and like I send you stuff like why don't you can you we just post the stuff that you create because I don't want to be overthinking like
[20:19] or not. That's what I'm saying. >> I want him to help full in if he's full in or be in or be out. >> Okay. What's your take? So part of like all of this is that so we down we have one car now and so we rely heavily on
[20:33] this one car to transport and to get to the events that we need to get to. So I have to stop Ubering because we can't just be putting the miles on the car and out maybe like 15 20 minutes to actually get orders or people that need to get
[20:48] going. So I had to stop doing that. >> Are you in or out though? she said. I'm in. >> You son of a [ __ ] I'm in. >> Do you? And you want him to be You log in on your phone and just post. Just do
[21:02] the thing that I'm not good at. I suck at it. I overthink it. It stresses me out. Do it. I I love doing the events, being there, doing it. But social media a >> I have a husband who's amazing at it and
[21:18] that way. >> Can he though? Can he all the way >> Literally, all he has to do is log in and post the things that he makes. to do your dream. >> If he's going to be that opinionated on
[21:33] what I'm doing, right or wrong, then be in it. Support me. you're not doing what needs to be done to promote the business in the way that makes us money. Like, I had to give up what I was doing that was giving us
[21:46] >> It was barely giving us money. It was wear and tear on the car. It really account. I understand that it was wear and tear on the car, but I didn't have that. Now I'm having to ask you for money. My accounts weren't going
[22:00] negative. Now they're going >> aren't making money so far, right? >> I will make money this way. >> It's always Okay. How's the marriage? >> It's ups and downs. >> Not based the fa on the face she gave.
[22:14] >> Tell me. >> I think it's been hard to recover since last year. Um, and >> what was last year? >> what was last year? >> What was last year?
[22:28] >> A separation. >> Oh, you guys were separated last year great and everything and then it just feels like it's like >> going towards separation again. >> No, not not to that extent because and I
[22:43] >> No, not not to that extent because and I feel like I wouldn't just quit on us. you guys been married? >> Two and uh >> Yeah. >> How long?
[22:55] >> Yeah. >> Are you thinking divorce? >> Yeah, I was. >> How close were you guys to divorce? was 40. >> Well, paying for what?
[23:08] >> He's still paying. He has a payment plan for all the divorce stuff that he had. >> Yeah. >> Yeah. So, like it first started off as a separation and then it just I was like, "Yeah, let's just do the divorce."
[23:21] >> let's just give up. >> Well, what was what do you I mean, are >> fighting? I was fighting for our marriage. I was literally trying to do >> Why were you out? >> I just felt like I had to do a lot of
[23:35] things to babysit us in terms of making sure that >> That's kind of what I'm hearing today again. she's running her thing that isn't bringing money but takes all her time.
[23:49] >> Okay. So, go on. Sorry. You weren't >> Yeah. So, we were working together and I I had to make sure that she was doing her job so that way I could do my job cuz if one of us got fired then we were both pretty much going to get fired or
[24:01] we weren't going to be able to do it together. Um and then just and then I that stopped me from being a truck driver. And then so that's whenever I
[24:13] started coaching. And then she wasn't loving truck driving by herself. That >> What the So you guys were probably making more money. Truck drivers make be a truck driver today. >> I can't.
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[26:42] finally, un finances for good. >> Um, when I was truck driving alone, I ended up uh driving for a local company uh doing like rock hauling and stuff. Um, I was making like $2,000 a week. It was crazy. Um,
[26:57] >> I was working like 15 hours a day, waking up at 2 a.m. We were going wasn't sleeping. I wasn't like okay mentally. Like I was not being a safe
[27:09] >> Oh, what happened? What did you do? >> So, in a span of two weeks, a lot. Uh, >> What? >> Okay. So, first I got a speeding ticket. was really funny. It was a miles over. What are we doing, guys? You're
[27:24] >> Yes. >> Clearly not. Pathetic. Those multi-tonon vehicles. What are you doing? So, speeding ticket. What else? happened with the truck, it was with my personal I hit some animals on the road.
[27:39] or what? >> Yeah. Yeah. >> Okay. >> The dog. >> A dog? What's wrong with you? You're evil. I'm not evil.
[27:52] >> all in two weeks. Come on. Hitting multiple animals and speeding. >> Well, guess what? And then you made other living things actually check out of life against their consent by myself. Like [ __ ] I was going through panic
[28:06] emergency room like three different times. I was fainting. Then why are you at He left. He left. >> UBER. IF YOU'RE FAKING >> AT 2 A.M. There's no Ubers around. >> You're being selfish at that point. And
[28:21] the selfishness had consequences. >> Anyways, I ended up having a car >> I had an accident with the truck. It was a small accident, but that's what got me fired. >> No accountability either. It's all
[28:33] excuses for it. >> It's the reality of the reality that you chose to do time. I didn't choose for my husband to leave me and put me through >> You were going through hard times. You were going to the emergency room. You
[28:46] were fainting. If that is happening, do not get behind the wheel no matter what. people killed. >> Okay, >> Yeah, which is why >> you're a selfish [ __ ]
[28:59] going to quit because I was like, I can't keep doing this [ __ ] Obviously, I properly. >> Yeah, we know that. >> Okay. >> Come on.
[29:12] my record, so I can't be hired for like 3 years or something. behind the wheel again. I'm nervous. >> I don't want to. Anyways, it doesn't >> You both are insane, >> but we should maybe figure something out
[29:24] someone of us does maybe get back in the truck driving. So, not. You need other jobs. >> Was stupid. He shouldn't have got certification. People in the audience have used those. I'll for both of you. I
[29:37] working. uh for both his dream job. I don't give a on the table. I don't care. Do you have kids? I understand. But if YOU HAVE KIDS, >> THEN I don't then. Okay, then you have a
[29:49] you course scares again. A lot of people in the audience have converted them into six figure jobs. Okay. >> Okay. What? Okay. >> Okay. What? Okay. >> What do you want?
[30:01] >> Oh [ __ ] Okay. So Okay. Okay. You were you were one court date away from >> Why the didn't you >> I I realized my biggest thing was I >> Guys, you brought that up at the beginning of this conversation that
[30:15] >> Yeah. >> So, I don't think anything's been >> So, what? Tell me. >> So, I think I felt like I was finally >> temporary. >> Yeah.
[30:28] signed the papers cuz I was like, I can't keep going through this. If he doesn't want me, he doesn't want me. Let me just sign your papers. Here you go. do whatever you want with your life. He he all of the sudden felt like that was
[30:41] >> No, not regret. >> Really? Because it doesn't sound like >> Well, like there was a time whenever things were getting better. Like she was things. >> Yes, there was a time, but it's not
[30:54] be enough. >> Why do you have to be so dramatic about make me feel all the time. because it's like a roller coaster where like if I'm not at my 100% best then I'm not enough but I can't always be at my 100%.
[31:08] 100. >> But you're not okay with that. >> You're not doing 100 and you're barely at 50, >> Emotionally, >> can you say that there's more things
[31:22] >> There's a few more things that I could be doing. Yes. That's there's always going to be more that I could be doing, but I'm like always exhausted. I'm >> You're always exhausted. That's just
[31:34] adult. Like I don't understand. Like that's why I get so angry. And like I just don't understand how the thought process of having a kid is possible. If you're saying you're always tired, >> that can't be a option. If you're, "Oh,
[31:47] anything. My life jobs right now." >> So you want a third? >> No. What are you talking about? Third, I want No, I want to set us up to be at a point where >> $2,000 a month. He has a joke of a job.
[32:02] It's a hobby. And you Well, I don't even know. This is pathetic. I mean, you're people killed. >> You should have been arrested. Like, >> That's a little extreme. >> Not really. You're putting people's
[32:15] lives in danger. Let's get you the off the road forever. Who the [ __ ] off the >> Well, she's off the road now, so for even your own personal car? shouldn't let you in general going forward. That's for sure. So you how the
[32:29] how are you setting yourself up to have a kid? I don't see that happening. Look at the stack. >> With the business growing, it can get to >> Dude, she has a dime. What the we talking about growing.
[32:42] and that's up. No, it's not. It's at the bottom. >> She defaults on her debt cuz you guys have so much debt and so much spending and [ __ ] and then all of a sudden whoopsie. We just don't even have money
[32:55] go to these events and pay for the events and all these different things. I lot of things. There's You think businesses don't collapse overnight? >> This is a hobby. You have a hobby. You have a hobby. And the waitressing isn't
[33:08] >> No, it's not doing [ __ ] I wanted to stop waitressing. I had the opportunity more money. Dude, no one's going to this place. Or is this too cheap? Something's their liquor license yet. Once they get their liquor license, more people will
[33:23] >> who cares? Why are you supporting them? There it's a business. Go for a better >> There's nothing else >> in our town. There's nothing >> than move to a place with opportunity. >> We can't sell the house yet.
[33:36] people I'm talking to that are owning these houses and no opportunity areas? making >> You know why it's cheap? Because there's no opportunities. When we bought it, we were making people buy.
[33:49] >> There's a college in the town. So, we thought that that was the opportunity. >> Yeah. >> Well, then clearly that college sucks in >> I mean, >> if there's only a restaurant,
[34:03] >> it's not the It's the best restaurant there. There's just >> And yet it's like failing. >> They're they're starting out. >> I come from a college town. hundreds if not at least a thousand
[34:17] >> Did you come from a Bay College town? Cuz this is a small college town. Cuz this is a small college town. >> Also, D1 and it's in the Mac conference. that's doing better than your conference, then you need to give up.
[34:30] before I give up? >> Well, you make no money and she wants to >> I am aging out. >> Yeah, but I'm older. So, I feel like have to do with anything? Because if I can be patient and see what's the aging
[34:44] >> Surgical clock. Yours is fine. Mine is running out. You won't be able to. >> Probably. I don't I already mean you don't you don't want to be you want to be young and spry for the kids.
[34:58] >> Okay. And so then I have to get a job based on us having a kid, which I >> You want to have a kid? I mean, you almost divorced her last year. >> Yes. I want to have a kid, but I don't want to be the only thing that's holding
[35:14] feel >> exactly, which is basically his love mean, in the entire pre-in, it's that like working together, you two together and trucking showed who you really are. And he can't feel like he loves someone
[35:29] who isn't making their lives better and that you guys aren't on the same page, you guys aren't on the same team, all the [ __ ] And for someone like him who is a professional coach, that actually does matter. No shame he would want to
[35:41] actually contributing. >> Yeah. provider. You don't do anything. Your business is a failure. interview, you didn't say you look down on her, but everything you were saying
[35:53] >> Oh wow. >> That is how I perceive it, too. Just so you know. >> But that might not be invalid. >> and he can't be with someone that he considers pathetic and not contributing
[36:06] >> which is actually crazy because I'm busting my ass to bring in the remaining and only making $2,000 a month. Meaning that it's actually worse cuz there's >> which is crazy. Oh my god. >> No, that just means you suck. You're a
[36:21] horrible teammate. >> She used to be in like pharmaceutical back into. >> I'm not going to go back to that [ __ ] I >> Yeah. So, you hate make not making money now. You hate making money. At least
[36:36] were doing. >> There's more to life than just money and I'm not going to have a job where I'm hating myself because of the job that's >> Right. There's more to life than money, right?
[36:48] and if you want kids, you need to be set up for it. And you guys have a lot of divorced is because of finances, right? >> It's not the number one, but it is a >> And if you allow Yes. But you almost got divorced already, guys. You got closer
[37:01] know. >> He just gave up. He just wanted to give up the >> necessarily giving up. Like he accepted the L. And you guys are now like your like your relationship might not be a
[37:13] complete failure, but your finances are. And if that's a big part of it, if like it is, like yeah, maybe you guys did lose. >> Yeah, I that was my mindset for a bit. >> I just don't see how I don't do enough
[37:25] when I am working. I've always been working. understand how you don't do enough and then I'm giving examples of how you're then I'm giving examples of how you're not doing enough?
[37:42] therapy session, he was saying or that he always makes it feel like you're making him out to be the bad guy. Is that true? >> Oh, me? Yeah. >> Oh, yeah. I think if I don't agree with
[37:57] what she says, then I just turn into the bad guy. If I don't 100% support every single idea that she has, and then I'm just the negative Nancy that just poops >> And that's kind of crazy cuz you're supporting his
[38:11] he's supporting your insane dream job. That is [ __ ] You guys are supporting each other in your lunacy. >> But I whenever I took the job, I was we >> more high school coach. Yes, that's
[38:24] and I'm working through trying to figure that out. each other in your lunacy dreams, then how can you say he's the villain? >> I never said he was a villain. >> You make him feel like he is, though.
[38:37] enough. Clearly, we're both doing something wrong with how we're making >> How? >> I'm pretty great. I work hard. hard. Okay. >> Isn't it results not the actual working
[38:51] that makes the difference in the >> I don't know how to better structure myself in order to get better results but instead of criticism maybe I could that I'm not >> he's not a professional business owner.
[39:05] >> Well, but then don't give the criticism if you can't give the help. it's worth. >> He is trying and I do recognize what are you talking about? You specifically told Lindsay that he does not meet your
[39:18] mean? >> Well, like emotionally and stuff, you know, like in a marriage, like I want my husband to support me lovingly, not to looking down on me, criticizing me. >> Well, yeah, that might be his coaching
[39:32] needs? That happens. >> I want to be loved. >> I want to feel loved. Like, you know, >> examples, lady. >> Okay. And I've been telling him this. When we started, it was like a fairy
[39:45] >> welcome to every relationship. >> Okay, but like why can't we get back to that? Like why can't you hug me? Why can't you give me kisses? it. Why am I having to beg my husband to give me affection and attention? Why?
[40:01] That doesn't make sense. You're my husband. You should want to give me a to give me a kiss goodbye. You should want to wrap your arms around me. You should want to take pictures of me like you used to. But you don't because I'm
[40:14] at least give it >> an us thing. It was an us thing. >> honeymoon face. >> I hug her. I kiss her. Do I smother her >> No. >> No. But I'm always having to ask for it.
[40:28] >> Just because you just cuz you ask like first thing when you come in through the >> That's like me saying I come home where's dinner? I don't have to ask for give me a second. And I will give you a hug and a kiss. Right.
[40:41] >> And but Okay. >> No. Like literally lately I get home and take. Let me see how that's how bad it's gotten." Because in my head I'm like, "Does he even care to give me a hug?"
[40:57] him? >> I'm gonna argue with that. But if I see you every single day, we wake up and sleep together like we sleep in every single day. I don't think I need to welcome you home like you came back from
[41:10] war with a hug and a kiss. Unless I'm wrong in that logic. >> Yeah, you're wrong in that logic. >> We're not like friends living together. We're husband and wife. >> You work even half a mile away from me.
[41:24] I stopped by the restaurant to see you on like twice a week for lunch, >> which is nice. I do like that. >> Okay. you with hugs and kisses every time that I see you.
[41:37] >> A concern here. I thought you both said you work your asses off, but you sleep >> Because I've been trying to make up for that time that I've missed out with her lot. >> Then shut the up.
[41:52] We sleep in every day. Shut the up then. You're pathetic. >> This has just been the past. >> Shut up. Come on. Come on. That's great. >> Shut up. Come on. Come on. That's great. How often you guys?
[42:05] >> What then? What are you talking about? >> Three times a week. >> So, you're getting affection, you're getting love, you're getting touch, looking at you and it's just like, you know, like an animal.
[42:18] >> I like the lights on. So, like that's >> There's been times when I ask for it and happen sometimes. >> This happens a lot.
[42:31] a week, I don't I think you're okay. That's a healthy amount, right? >> So, it's going down. >> Don't be dramatic. Okay. >> Well, Lindsay is saying that she said she feels constantly rejected.
[42:45] >> so what does that mean? >> That means I put myself out there. I try to like start something and then it's there's always an excuse. There's always a reason of why not. When I try to initiate, it gets shut down. Every
[42:58] single time that I try to initiate, it gets shut down. So, I have to wait until >> Well, yes. Both have to feel like it. >> That's not crazy. Like, every single >> if I don't feel like it and he wants it, then I'm going to get myself in the mood
[43:11] >> Okay. You're better than me. I don't I don't know what to tell you. Um, >> I will say there's a mathematical equation here. If we're just talking basic biology, if he wants to, you don't want to, and you say, "Okay, that's 30
[43:24] seconds." If you want to and he doesn't want to, that he has to >> actually, you know, cuz whenever I'm in can't argue with that,
[43:38] get him to come, it's like 30 seconds. You're you're a mission. >> You're an easy comer. >> I make it a whole performance. It's like it's not something that I just jump in and out of. So like it takes
[43:50] and out of. So like it takes >> Give me your phone, buddy. This is background. Black people in anime.
[44:04] very interesting. >> So like, why do you mean black people? interesting. They're >> like the only ones who like it. >> No, but every single time >> black people tend to like anime. is
[44:16] definitely following very goony content on Twitter, I will say. >> Mhm. >> Like there's some booty shaking and [ __ ] like that, which is a little interesting. Then booty booty booty says
[44:29] everything on everything on everything on X so far is soccer and ass. Okay. Use X.
[44:43] >> Okay. >> Um, there is a guy, he sends like stuff >> What? >> I have a
[44:55] coworker that sends stuff. >> Sends what? >> Stuff that's not appropriate. >> On Instagram. >> Okay.
[45:07] >> So, that's just where some >> You said WhatsApp. >> What? What? just booties and boobs. And why? It's just his sense of humor. >> I think I know who you're talking about.
[45:25] >> And Brad and I are both gooners, but we don't send each other. >> Sometimes. >> Oh my god.
[45:37] >> Okay. You talk to a lot of people on WhatsApp. Why? Uh part of recruiting. >> He's always recruiting. He's always working. >> Who's this person from? >> I'm believing her name, but
[45:54] >> An athlete. >> Why do you do video calls with her? >> Uh, very frequently. >> Talk about coaching stuff.
[46:06] >> Talk about coaching stuff. >> Uh, talking. It's a little interesting. You've met her a lot.
[46:18] Picked her up a lot from the airport. >> She's from a different country. with her? >> My athlete? What's my relationship with >> Yeah. >> But she lives in Germany,
[46:31] >> correct? >> Okay. You guys text a lot, but Okay. I just didn't know student athletes and coaches texted this much.
[46:46] anything like alarming. Is this It is a lot of texting, which is very weird. But maybe that's normal. I don't know. >> it's always the women. Why Why aren't you texting the men that much though?
[46:58] >> That's something that I tried to figure out. I The guys don't talk a lot. No, you're not texting them as much. >> I call them, but >> But you're really texting these very attractive women a lot.
[47:13] >> I wouldn't say they're attractive, but I guess I can see how someone else would. >> What? Come on. But she's attractive. What the are you talking about? What are you? Come on. Done with that. What's this?
[47:29] >> Olafly. Olafly. Oh, just it looks like hinge, but I guess it's not. Okay, that's good. Oh, that's concerning. >> I do think that he invests more time than necessary into literally every
[47:44] >> Maybe. Maybe not. I'm not I'm not 100% sure. It's just It was just It's just interesting that it's always the young women, you know.
[47:56] Uh, >> I have two guys and four girls. Uh, and then next year I'm going to have four guys and seven girls. Whenever I
[48:08] travel I'm gone for three or four days of the week and whenever he's home he's >> Makes sense. But >> so like the whole second semester I'm >> Well, there wasn't really anything too concerning on his phone, but he's around
[48:22] with him traveling? >> No, it's just the fact that like he doesn't know how to balance like his >> work job. Either you support his dream tell you. >> But he gets home and he's still working.
[48:36] >> But part of it is that I talk to international athletes and so the time zone in Germany or in New Zealand are drastically different than times here. >> What is this other woman that I have in my notes?
[48:51] >> The job. >> Oh, okay. Okay. Okay. Hey, what do you guys think your uh financial score is? 0 to 10
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[52:05] if you're, like I said, for the annual version because it saves almost 50% and 30-day meal plan signed by me, mailed directly to you, and also the digital out. Listen, I understand your guys' relationship is messy. Yes, you should
[52:19] should kiss your wife. That's normal. That's fine. I understand if it's up and busy. We're tired. Whatever. That's normal. But like I mean guys, what are we doing? And if you guys just think each other are the controlling ones in
[52:32] anywhere? I don't know. How do you guys communicate on money? Like all this all this right here. You said you know it. He doesn't know anything. So where's the me this is the plan and this is how things are going to happen and I trust
[52:47] money whenever she asks for it and then whenever I need money for >> send the money. Why are we not combined? >> We had we had a combined account when we got married and we just never used it and it got out.
[52:59] >> Because it's just easier. >> No, it's not. If everything No, it's budget as a household if everything goes into one account. or do anything with it. >> He just never got back to doing it
[53:14] were the exact >> How can you manage off of two accounts into? How can you manage the household? >> Because most payments come like I just pay for it. He only is in charge of the internet and the car insurance and his
[53:31] credit card minimum. So when he gets paid every month, he keeps what he needs for those payments and just sends me the rest and then I pay everything else. So bad at making payments. Like he would
[53:44] >> So how do we talk about the money though? You just accept it when she says look at it. >> So she would be the controlling one >> Because I organize it. I'm the organized one. So
[53:57] he says you can't spend money? >> Well, yeah. Well, you're the one managing the money. I'm conf I'm really That dynamic is just so confusing to me. brought in. >> So, like I think I She says I'm
[54:12] her she's not allowed to go to the grocery store because anytime we she like >> what that's a list of two items, she'll always get 10 items. Like it's never ever has there been a trip where she
[54:25] goes in for exactly what she needs and only gets those items or less. It's always more. So I said, "No more going to the grocery store." >> Yeah, most of it. >> Well, that's weird to not let your wife
[54:37] >> Why? >> We have a conversation around budgeting, we allocate from there instead of just saying, "No, you can't go to the grocery >> I understand that, but if it saves an argument of her just constantly keep on
[54:49] >> You know what an argument is? That's just avoiding forever and letting a build and then blow up to another one more meeting before divorce again. grocery store. Sure, but you're gone sometimes.
[55:01] >> often times. A lot. You're gone a lot. >> Whenever I come back, I make sure that what we need to do for the week. I plan accordingly. I say, "Hey, I got this for for lunch." >> You for the week for me. This is so
[55:14] weird. Maybe she is right that you guys are more like roommates than >> Yeah, I think so. >> You're good with that? That's what you >> well, it seems like you're the one encouraging it with how you're managing
[55:27] >> You're trying to stop an argument because I feel like we just communicate just for the fact of just saying that we just talk. Like, no thing actually comes out of our communicating. >> When we were given actual tactics of how
[55:39] that stuff. >> That's not true. that. >> I need to hold a spoon in my hand. >> [ __ ] tactic of how to communicate that we were taught yet we don't use any
[55:51] of these things that we were taught. >> Okay. So when we did therapy before and conclusion that I make everything just sound like a sol a suggestion and not an actual answer. >> I changed the way that I said things. I
[56:06] made more decisive statements. It was either yes or no. Uh and then once I did that, you still weren't listening to me. And then I told you I didn't want to be to make sure that you listen to me, even though you said that's the only way that
[56:18] you listen. So I changed how I communicate and nothing changed. faith that all of a sudden we're going to learn how to effectively communicate. to learn how to effectively communicate. >> Okay.
[56:35] better communicate. >> I understand that. And I gave you therapy for. >> Therapy? That therapy that we did like those two times like >> Oh, two sessions. Come on. That's not
[56:48] was my therapist that I was like, "Can I bring my husband in?" Because >> No, you're talking about I'm talking about the first one, the premarital >> It was like one thing one. >> Okay. But I'm saying
[57:01] >> before we got married, before there was actual issues between us because we were still issues, >> but at Okay, everything went down last year. We almost got divorced. I was living in
[57:15] problem. Everything was fine. >> Wait, really? Were you bringing up >> He would bring things up like >> you were just ignoring them. >> Jokingly sometimes. >> How are you bringing them up? It's his
[57:27] >> I say I don't think that this is a healthy way of going about this. I think this is taking away a lot of >> uh Okay, for example, when we were truck driving, >> she would constantly stop for a lot for
[57:41] brakes. And then the pee breaks turned into she was having conversations with >> Driving? >> No. And so she had to stop driving like pull over to help out with whatever that the family had going on. And so
[57:56] >> on and off. That's not a problem. But it was every single day. And so whenever hours that she's supposed to, that puts me behind on the hours that I need to be driving to make up like for >> But did you actually bring up the issue?
[58:10] just acted like nothing. >> He would say things like maybe this is >> And do you not get the hint or you're >> Yeah, I was >> No. >> How How are you not then?
[58:23] >> How How are you not then? >> Now I actually like take into account >> really cuz he's afraid to start arguments. >> He's afraid to have conversations. >> I don't know why he's afraid to. And now
[58:36] couldn't even communicate. >> No, he doesn't. You do. He doesn't. >> because before I would like I can't I don't know what to say. I would shut down. And now I actually speak up. I give you my opinions. I tell you what I
[58:48] other. >> No, every time he brings up his honesty, he said. >> That's what he needs. That's what he likes. Because when I was nice and he never listened to me, so now I have to
[59:01] be [ __ ] and I have to be mean for him to be receptive to Is that what you >> What are we doing right now? What are Why are we just being nonsense? >> Yeah. >> No. Like who would like I tell you what
[59:13] >> No. Like who would like I tell you what needs to be done. You reply back after I lay it down on how it needs to be done. You say, "I feel like I'm not enough. I feel like I don't do enough. What I do isn't enough. And it makes me feel like
[59:25] >> Yeah. >> That's what happens whenever I say how we need to do better. >> And so whenever you reply with that, I don't what am I supposed to do? I just I think I speak on nothing but facts and
[59:38] you just speak on all emotions and I can't argue with your emotions and >> It is true. Emotions are impossible to argue with. It really is >> cuz this is not logical. It never is. I mean that is true and I deal with that
[59:52] every day on this show. >> Your feeling is a feeling. I think I take a lot of what he says into consideration, but it doesn't separate the fact that we're in a marriage where feelings do matter.
[1:00:05] completely disregards the feeling. But if the feeling is the entire argument and outweighs a reality of a situation, that becomes an impossible conversation. impossible conversations because I've been very emotional lately because
[1:00:18] >> again. So, we're headed towards that divorce again. Why are things really, at the beginning. You guys can't answer. If things are really, really bad. What household. Guys, >> what's really bad is that I just don't
[1:00:31] think that she does enough. I was relying on her to take off with this >> delusional. >> I don't want to say where it's at, but I was putting faith that she was going to be putting more work into it to be at a
[1:00:45] happening. >> It doesn't always have to be just me >> So, I'm not doing anything. >> It's exhausting. So, I'm not doing >> No, I'm not talking about like you doing something for my business, but like it's
[1:00:58] summer vacation. You don't have as much workload as you did. But what are you doing? >> I sent you a whole like sheet of companies and people that we need to go talk to to take off with this business.
[1:01:11] >> But you just give ideas. You just give ideas. Did you like make plans? >> Did I give you this stuff? >> Yeah. And so I think we can agree that my strong suit is not talking to people and putting a bubbly face to these
[1:01:27] people, right? >> So why is that not something that you who we need to go talk to and you never follow up on any of >> And then how you don't even know how many like events that I have signed you
[1:01:40] up for that just didn't go through. >> I do because I got the calls that they on there so you do know. Actually, I'll take it back. Sorry. I just feel like >> that I signed up for that he thinks that I'm sitting there and not doing anything
[1:01:52] >> that's the thing. You're just only relying on farmers markets like you're not actually getting up and walking and talking to anybody. >> Like there's so many people that you can actually meet in the neighborhood in the
[1:02:06] >> Well, you said you were going to go like figure out the Rotary Club thing like months ago and you just yesterday told me what you figured out with that. misread of mine at the beginning. I honestly thought this cuz it was weird.
[1:02:19] like, "Oh, he has this dream job. I really want that." And you're it's like problem?" You see, no, this is a complete disaster. This thing, this passion project, this business, you guys, this is like the fight.
[1:02:34] >> Yeah, it is because even before like up to this point that >> this is I mean that's insane. That entire like I zoned out there for a second just how you guys are being. She was I think the all the products that
[1:02:47] she was buying I thought was overly expensive. Like I didn't know anything about like any of the coffee stuff, but I just looked into it for a little bit. coffee that she could be using without sacrificing the quality. I found her
[1:03:01] cheaper coffee cups to be using. So every like from the very beginning, I've been finding cheaper ways to do what she's been doing. I think I've been more given her a hard time about that stuff. I got frustrated because it seems like
[1:03:13] I'm always finding the cheaper way to do something or to maximize >> I'm not upset about helping you. I'm doing literally everything I can to help you. I just want you to take initiative charge in your business. This isn't my
[1:03:27] business. >> I'm doing You're doing like 10% and I'm >> 10% I'm doing saves us so much money, >> right? And thank you. But just because you're having to do 10%, you're bitching and whining about it as if like I
[1:03:40] shouldn't have to do this. >> I shouldn't. I I shouldn't. I don't ask you to come help me with my job. That's something I took on. coffee car. >> I have no problem helping you.
[1:03:53] >> Yes, you do. You clearly do. That's what you literally just said. The 10% you >> No, I said the 10% because you minimized the 10% like it was nothing. The 10% saved us a whole lot of money. The 10% is putting you in front of more people.
[1:04:13] anything. >> I'm not doing anything. I'm not doing the other 90%. Cool. >> The 90% the once a month. >> The 90% the once a month. >> It's going to I've booked pretty much
[1:04:27] end of August. >> Yeah, I agree. You did. You did do that >> because it was the only dates available. I would have been booked more previous >> Okay. So, why are you only relying on farmers markets to sell the stuff?
[1:04:40] and do the weddings. I have a wedding booked. It's just the first of many that >> Who's the wedding with? >> Your athlete. So, that wouldn't have been possible without me, right?
[1:04:53] >> Yeah. I'm not I'm not minimizing the help that you do give. I'm saying the moan about it. So, don't help. >> Okay, then the coffee cart is never >> You haven't been? >> I have been.
[1:05:06] >> You just went over how you're not making any money and then it would have been worse if I didn't find cheaper solutions on everything that you were already on everything that you were already doing.
[1:05:19] much your cups were. >> No, I did tell you how much they No, eventually you couldn't tell me how much the supplies cost you >> because I didn't have it in front of me. I'm not memorizing every single little
[1:05:31] thing, but I have things written down. You asked me if you're in the middle of of my ass. If I don't know it, I want to give you an exact number. business on the back of your hand on terms of how much everything cost.
[1:05:43] >> Yeah. >> No, I have it written down. I'm because I know I don't have the mental capacity to be memorizing every single you're organized. You're not actually doing anything with the organization.
[1:05:56] >> Okay, >> did that answer any questions? >> did that answer any questions? >> I mean, in general, honestly, guys, That's the fight. >> That's one of the fights.
[1:06:10] >> Oh, what's the other one? >> My emotional stuff. That doesn't matter. >> No, I guess it does. as if it's a fight. What's your emotional [ __ ] You crazy. >> I've been depressed. >> He doesn't get it because my brain
[1:06:23] decides not to make certain hormones. That's how depression works for some >> Maybe it's not just I'm sad. It's literally kind of But this feels like >> I get it. But so far it's sounding like a self diagnosis.
[1:06:35] a self diagnosis. >> No, it's been diagnosed and I just I I understand. He doesn't get it. He's like, "These things happen and you It literally is so hard to just get out of bed every morning.
[1:06:47] >> So, she has an official diagnosis and you're just like dismissing it. >> So, if you get diagnosed with something like 15 years ago, does it last forever? >> Yeah, baby. It's a diagnosis. Just because I don't go to therapy
[1:07:02] >> like regularly because we can't afford it doesn't mean that the diagnosis >> right? And so, yes, I guess I'm completely dismissing her depression uh state right now, but the way that I look at it is we're not in a spot where
[1:07:17] >> allowing it, >> doing nothing. If you can identify your problem and you're not doing anything to make the problem better, then it just as an >> excuse myself every single day to just
[1:07:30] get out of bed and do the things that I need to do to go to work to do I have to do that too. Even the very you are not going through this.
[1:07:47] household? this conversation, guys. How are you surviving? If he doesn't even believe in your own diagnosis, how do you make it from here? >> I don't know. >> I mean, a real diagnosis is a real
[1:08:01] diagnosis. Yes, I agree. There's lots of Tik Tok diagnosis [ __ ] >> Like, is that not incredibly dismissive? Borderline just bad as a partner?
[1:08:18] >> Is that not just bad as a partner? >> Yeah. doesn't even believe in your own mental health [ __ ] That's real diagnosed. When >> Okay. I just didn't. >> What's your point? I just never saw
[1:08:32] anything or >> Okay. So, this is the deal. Anytime that work situations get really hard, coincidentally, something with her coincidentally, something with her mental state always is correlated to
[1:08:46] >> Yeah. Why be with me? Why'd you come back to me? you talked about how you had a better work ethic. I mean, I saw that you had a that trucking gravel place whenever you got the accident. But I just thought
[1:08:59] that things would just keep on getting better. And so like you taking wanting >> coming back to me was writing on life like living normal life with somebody else as a partner where things go up and
[1:09:13] else as a partner where things go up and down. I'm not delusional like not everything is always going up but why is it every single time that you have a rough time at work you always say oh I'm depressed.
[1:09:27] Well, you can't use it as a crutch, as a fall back. If you weaponize it in the >> it sounds like it a little. If you have a tough time at work, you can't just be like, "Oh, my depression." >> I think the real debilitating.
[1:09:39] >> No, it's trigger. So, what triggered my depression is the fact that I'm a I'm a waitress and I have men all the freaking time hitting on me. And I tried and he He didn't give a damn that I was getting hit on at work.
[1:09:53] uncomfortable getting hit on at work? >> No, he didn't. He laughed it off. >> He made a joke out of it. But if she's uncomfortable, that's not good. bartender then if they're thinking that they're not going to get hit on?
[1:10:06] wouldn't you support that? >> She had another chance to get a job at a church. The church is an hour and 15 minutes away. She said she would take it if she stayed at her mom's place that's not even 10 minutes away from there. All
[1:10:20] the job and she said, "I'm not gonna stay at my mom's anymore if I do that." you actually not care that I stay at my >> mom agree on what happened?" whatever he thought it was was being said, but what what was said is I just
[1:10:37] asked, "Are you going to be comfortable with me staying at my mom most of the >> And he said, >> he just No, there was no answer. It was a back and forth of like, "But you said you would be okay with that." So,
[1:10:51] or not. part of what was going on. We were actually at conference, so it's like our biggest track meet of the year. So, she was sending this to me while I was doing that at the same time. So, I could have misread her text message, but
[1:11:04] I know I replied back with the deal was that you taking this job was that you were going to stay at your mom's, right? answer? >> Because I was asking you.
[1:11:17] >> I said the deal for you taking this job is you staying at your mom's. >> Okay. How is that not an answer? >> That's not an answer. >> Kind a little. I mean, it isn't the most clear. No, but it's like you can get it
[1:11:31] insinuate kind of like the when he was trying to tell you to do better before come home like every other week or something and then eventually I said every other week and things like that and he was like the deal was for you to
[1:11:44] don't see me. don't see me. >> I think dude just gets down to business. activities to >> Well, I said I'm also working on a way
[1:11:59] >> Uh-huh. >> But, >> okay. This affirm has $3,46.84 on it. Minimum payment is 60223 Amazon, Nike, [ __ ] Uh, some grocery. You were affirming groceries.
[1:12:15] >> It was for the business. >> No, well, that's stupid. You're not a good sign. >> Okay. business [ __ ] [ __ ] [ __ ] It's all stupid. IT'S WHAT ARE YOU DOING?
[1:12:31] >> Are they all in paying for financed? >> Some of them have been paid for, but >> Are they payin for? >> Oh, finance. Finance, finance, finance, rate, ladies and gentlemen, for her business that makes no money. 36%
[1:12:45] interest rate. The S&P 500, one of the best indexes you can be a part of. Average is 10% a year. That's considered a good return. She's at a 36% LOSS. IS >> I don't I didn't think it was. I thought it was likely. Pull it up. Pull it up.
[1:12:58] Pull it up. Pull it up. PULL IT UP. AND I want to see your Amazon, too. >> Okay. >> Dude, it is literally so stupid. It is the stupidest disagreement I've had on the show. A coffee cart. What the out of
[1:13:11] had abusers, we've had everything. It's a coffee cart that is causing this a coffee cart that is causing this issue, guys. It's so stupid. >> So, it should be easier. >> It's the dumbest thing for you guys to
[1:13:25] argue about. I don't understand. It's don't get into it or do. >> Just like, come on. It's a hobby. >> That could be a big business one day. >> Could be, but it's not. And you guys don't make money, so just shut the up.
[1:13:38] Yes. 36% interest. There you go. Figured it out. You just don't look at [ __ ] and someday. No, you're a big business for a Okay, that's what you're a big business for. You don't even look at the [ __ ]
[1:13:51] >> that I'm not going to buy. >> Then why is it in your cart? So you just that I might want to buy that you might want to buy at 36% interest cuz she look >> I saw the total price that it gives. So if it's it was like $26 extra like
[1:14:06] >> Yeah. spending so much [ __ ] on the business on here, but it's just listen, business on Amazon affirm. Here's your things uh from the Amazon cart. A lot of as well, but a lot of it is. And it's just so much stupid business. Here's her
[1:14:21] very guys, her super special. Nobody else does it. Uh >> I have not seen anybody else. >> Her special little sauce is a sauce from just Amazon that she gets that anyone else can get, but they don't. So, she's
[1:14:35] not like homemaking it or like home or they don't. They don't. That's why That's why it doesn't have like 500 five star reviews. You Yes, people are about? >> I haven't seen any other coffee shops do
[1:14:47] >> Girl, you live in a town with two restaurants. No [ __ ] You're not >> Yeah, they don't have it. >> They a singular coffee shop that I pick >> Yeah. >> Like many I've been doing a lot of
[1:15:02] research. Not many people do the kaheta. It doesn't matter. It's just it's a flavor. Okay. >> What's it called? Kajeta mamada. >> Kamada. That's what the flavor is called.
[1:15:14] called. >> No, my Well, yeah. The kaheta period. >> No, my Well, yeah. The kaheta period. >> Oh, there it is. Um, let's see. Uh, okay. In the area there's Mñan Coffee, Dame Cafe, Verarac Cruz, All
[1:15:27] Natural, which by the way, that's not even like a that place is a chain. Brew >> Okay, >> girl. You're in Texas. It's everywhere.
[1:15:39] You are what Texas looks like. Not me. You. So, don't you can't say did your research. We just did that in 2 seconds. >> Just because of a handful of them also being pushed now, aren't they? >> Okay.
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[1:17:51] >> Okay. That was bought on Amazon. >> No, that wasn't a syrup. Like my actual syrups are homemade. >> Oh my goodness. Uh-huh. One main >> Um, >> this is insane. This is $18,791.
[1:18:06] married and we had actually paid a lot of it off >> it doesn't make any sense. I don't understand doing that. Listen, we have everything at calebmer.com cuz I like good debt,
[1:18:18] like you to get into. And that's what I preach. I like credit cards, but not for makes no sense. Why consolidated debt if with double the debt. >> Yeah. At the time, uh, we were truck
[1:18:31] driving. Well, I was still truck driving. So, um, consolidating, we had >> gotten better, but I haven't fully fixed the behavior, >> right? We didn't fully fix it, but we thought it was the right option to do at
[1:18:44] >> And >> so why if we have this high insane minimum payment, high balance, probably bad interest rate, oh really bad to 24%. If we have this, why the are we opening
[1:19:01] investing money in businesses and that investment, by the way, is all on 20 34% interest 36% interest rate debt. Why are WE DOING THAT IF we can't even pay off the previous consolidation? Huh? Huh? Can someone answer that? We can't even
[1:19:15] we take out an investment in a business at 26 36% interest that doesn't make a >> That is a good question. >> Does anyone have an answer? Is there an here? No, there isn't. Where is it? Tell me, please. I can't find it.
[1:19:29] >> I think we were desperately trying to figure out what to do in >> That's not the answer. That's not the answer. Why? No, no, no. No, no, no, no. If you're desperately trying to figure it out, why is the answer take out a 36%
[1:19:42] >> on something that makes $0, please? Instead of like, well, there is building a business which takes money of which you did a 36% interest debt. That is an option out there. There is like ANOTHER OPTION CALLED GET A JOB.
[1:19:56] >> literally. >> Okay, go to another town. You guys opportunity cuz you guys are >> I was applying to jobs in the towns that were like an hour away >> and you have to move somewhere. You have
[1:20:09] to move to DFW or something. You have to move to places with opportunity. >> Okay. Then you're a broken individual or your resume is completely broken and you >> Okay. Everywhere. Dude, Silver Goat has
[1:20:22] it and there's Silver Goats all over Austin. Cafe Java has it. Um Plaza Colombian coffee here has it. Dame Cafe. >> Good thing we don't sell in Austin then. >> But that's the thing. You're saying no one has it. And that's just a little
[1:20:35] one has it. And that's just a little part. That's Austin is the uh Dude, even >> Yeah. >> This is a basic thing. Yeah. San Antonio, Houston, Dallas, FORT WORTH, ALL LARGER
[1:20:50] >> right? But we don't live anywhere near those places. >> No. It's an example cuz you said no one else does it. Yes. Even here in a smaller city, everyone else does it. So up near you, yes, there are places who
[1:21:03] willing to make area? >> Uh, it was going to be 21 an hour. >> It was part time. >> Good. That's what you need. You need a business. >> That was the goal. And I was told not to
[1:21:18] >> by him. You weren't. We just went over how I didn't tell you not to take it. the >> It doesn't make sense. You were zero dollars you took out a lot of debt for. So it's like obviously getting a
[1:21:31] >> That was the only job in this entire time that I got. So nope. >> You made negative money. pizza place because there was nobody else.
[1:21:45] >> Yeah, I did that and now I'm getting more money than I was doing that. >> No, you'd be doing that in adjacent to what you're doing now. No coffee shop what you're doing now. No coffee shop again. Her choice was take out 36%
[1:21:59] interest rate debt on something that doesn't make any money. Deliver pizza. Deliver pizza makes money. I would deliver pizza. >> Barely is still more money than debt. I don't understand. How can you not
[1:22:11] >> I don't understand how you don't see that. I'm still working a full-time job like I was. But instead of the coffee, >> I'm saying you keep the full-time job here and instead of getting the coffee cart, you get the part-time job. It's
[1:22:26] not against your full-time job. How many hours a week you working? >> It varies. It varies. It's lately it's been I do double shifts most of the >> How much? >> What is that? like,
[1:22:40] >> oh my god, >> 50. Let's say 50 60 to 60 hours a week, >> dude. Then you're 50 to 60 hours. >> No, I don't think that's cuz you're only >> You're making 60. >> I am working full days.
[1:22:54] >> I'm working two of them are like full days and then the rest $8 an hour. >> It's I work on tips. I work on tips. >> On average, you're making $8 an hour. move somewhere. There is just a certain There is a reality and it's capitalism.
[1:23:08] socialism, too, cuz it's still connected with it. Doesn't matter. That town's not move somewhere with opportunities. That's the reality. >> That's it. >> But that means he leaves.
[1:23:20] >> We We We He makes no money. I don't give a He'll go find literally a high school job in any large metro that will pay him double. And Texas. >> That's fine. Once he gets to the point where he's has a certification,
[1:23:32] >> he's in a D2 [ __ ] He can go a But that's not like my issue. My issue is I what you need to do in order to take care of your side of Bills have been getting paid. >> You just we just went over how much the
[1:23:47] infirm break. Just put it on magnet. Do you >> It's not very sticky. I just didn't think things would be falling off. It's not sticky. >> We don't know that it's a magnet. It's
[1:24:00] >> Okay. >> Magnets are not sticky. They're magnets. >> I didn't know it was a magnet. So, we just went over how you took out all of >> Yeah. >> So, I think that shows that I can't rely
[1:24:13] on you on terms of how the money is being spent. I trusted that you had it under control or knew what you were doing with that. I guess I mean, I whenever you said that you didn't have much more money left in a firm or you
[1:24:28] had so much in a firm, but that's that's my fault for not asking. But I didn't think that over $3,000 was an infirm. Not to mention the interest rate that was on top of that.
[1:24:42] money was being spent. >> And I showed you. I literally have shown going on? >> Uh that the leftover from that is pretty >> Mhm. >> Put a wedding on. Guys, you don't do
[1:24:56] takes two six years to pay off if you do minimum payments. Now, you do a little if that's the right strategy. When we have other things to pay off that are worse, i.e. a firm, higher interest rate, and lower balances, it makes sense
[1:25:09] and snowball method. So, this makes no sense. But interest is acrewing at $34.56. You owe $1,540 at a $49 minimum monthly payment. You've had uh I believe two late fees this year
[1:25:23] >> Yeah. >> For why? Pathetic. >> That's why I started paying the bills just >> And you're not reliable either.
[1:25:37] need to be paid on time. >> You are made for each other. Neither of late payments isn't >> Yes, that's extra money that you then >> I understand it was a mess up but just saying someone's reliable for just
[1:25:51] messing up once or twice a lot more than >> twice by the time of the fourth month of >> fifth month. >> So it's like by continue that average of the year >> right and so that's
[1:26:05] >> Yeah. I just need that >> you can't manage it. You can't even >> you can't manage it. You can't even coach your own life. I was I was trying >> which I do. I make sure that bills are paid on time.
[1:26:18] purchasing on a card that we're only making a minimum monthly payment that is >> I think that one's mine and it's groceries that I purchase on that card. >> groceries. >> 14 hours of groceries.
[1:26:33] >> That's how little groceries we buy. >> You weren't allowed to get groceries. mean, it's not a strict rule like she >> sounded like it sounded like there's an extreme lack of trust. Okay, groceries aren't a thing you can't get, but why
[1:26:47] can't pay off that is acrewing interest? That makes no sense. Why make it even >> Bills. >> Bills. That might have been just No, I >> Other bills. >> Okay.
[1:27:03] >> or like $250 going out to eat. Unknown shopping and another $250 need [ __ ] at least $100. So potential [ __ ] minimum $600. How can you not have any [ __ ] What the you talking about? Other large purchases $745. I don't even
[1:27:18] [ __ ] It could be not. Could be half. Who knows? But at least $600 on >> Yeah, >> that's what happens when you spend money >> that's what happens when you spend money on [ __ ]
[1:27:35] than your previous month because you spent. You chose to put it on there and it's acrewing interest. Going to be hundreds by year end. How much did you guys spend on that wedding that you had to put on a
[1:27:49] >> Oh, what was it like? >> Oh, you guys have credit one. Of course >> That was my first >> 15 credit. 15,000. Dude, you guys >> when at the time we
[1:28:02] >> At the time we were >> truck driving, >> Yeah, but why are we putting on debt then we're still paying today? >> Because when we got those credit cards, they had like that special where like we
[1:28:14] get like 5%. So we ended up getting like,00. guys aren't credit card. >> If the job stuff like didn't happen then >> Yeah, there was a plan. We were We were really good.
[1:28:27] thought? >> Okay. Credit One, one of the worst credit cards ever. $47.98, $30 minimum fee payment. Interest, fees, >> Yeah, it was my first credit. >> It was my first credit.
[1:28:41] >> Mhm. >> Living the Mexican dream, aren't you? >> Okay. Capital One. >> Yes. >> Okay. Only making the minimum. >> Right.
[1:28:53] >> Right. I also use that for groceries. >> Why? And an interest acrewing card. Cuz you don't have any money cuz we spend it all on [ __ ] $310.98 >> Very low. >> Interesting. [ __ ] 28.99%
[1:29:10] >> Interesting. [ __ ] 28.99% interest of death. M NMF or [ __ ] NFM. >> At a furniture store. >> Why? Oh, you guys are just you're
[1:29:22] everything. insurance premium. You got insurance in your sevenyear payment plan furniture. You guys are >> I got that when we were separated and I >> Yeah. So, you should go to Facebook Marketplace regardless.
[1:29:36] >> But I >> Guys, your argument for I had money so I credit card. That makes no sense. >> I paid half of it up front of my the purchase I made. >> I didn't $56 the same bed. good Facebook
[1:29:51] >> mattress. >> I know you wouldn't really need to or Austin after sleeping on an air mattress for 6 to9 months while I was paying off >> then I went and got like a $400 mattress. It's not the greatest thing in
[1:30:05] could afford. Do what you can afford, not what you can't. >> No, cuz you put it on a credit card. No, cuz you put it on a credit card. Just a credit card. Shut the [ __ ] up. $56 a month minimum monthly payment insurance
[1:30:19] premium on it $1,254.19 owed owed uh is deferred interest acrewing.
[1:30:32] interest acrewing on it. Oh, because it's deferred and it will hit Oh, in Hundreds will be added to that balance. You guys are And you didn't even know that, did you? No, >> of course not. Okay. United card. What's
[1:30:47] on a card that we can't pay off. Is it for groceries? >> Oh, great. Uh >> oh. Basically, max out at $46769
[1:31:01] a $500 limit. What is it? card that we can't pay off that is acrewing interest. Why pay penalties on your essentially interest on your utilities? Why do that? That's stupid. I
[1:31:14] thought we were paying that off. Like I thought that the money for the utilities turning around paying that. >> No, not with your $40 minimum payment. I is going up. >> Oh, that's where the internet
[1:31:27] >> and then interest acres on that. And then also this card must have a annual or both. >> I got it cancelled. I Well, it was supposed to get cancelled. Nope. We went to the bank to get it cancelled and
[1:31:40] >> nope. You guys are so irresponsible. You don't follow anything that's happening. Okay. Care Credit. Who's this? >> Mine. And it should be 0% interest. >> Well, the So is your furniture thing, but there's deferred interest. So, let's
[1:31:52] but there's deferred interest. So, let's see what happens with this. $3,515. ago. >> Oh my gosh. Years ago. Still paying for it years ago. Four years to pay off. You've paid interest of $141 this year.
[1:32:07] But um so there was like 2 months once I lost my job that I couldn't pay and I >> They closed it down and they said it'll be 0% credit one who >> uh mine.
[1:32:20] >> Guys, this debt is extensive. It's both y'all's fault. Don't try to blame each You're both >> $39.54 90 uh 54 cents with a minimum monthly payment of Oh, we're past due. Oh, we're
[1:32:34] past due 3 months. That one they had given me uh >> it's a $30 normal minimum payment you owe 999 because you're stupid. >> They So we did a thing where the credit protection the credit protection. So
[1:32:46] they paid for the minimums for the past 6 months and it was supposed to keep going and it didn't keep going and they didn't tell me that it didn't keep >> Why should they have to tell you? >> Log in, manage your finances, use dollar
[1:33:00] >> No, I did. I called them and I said, "Hey, like can we get uh I need I continue need the help >> and they said yes." That it was going to >> Who has $52,142 of student loans? Why are you only on a
[1:33:14] acrue interest forever? You're never >> Probably income based because you have no income because you're D2. >> Yeah, that's exactly it's on income based. And so I was I was making a chunk
[1:33:31] a dent into it. And so >> bleeping at what school do you work at? >> Never heard of that. >> So part of the reason why like it's so much is that I uh
[1:33:43] suck. Uh kids are paying more for their college so they can be D1 and fail at everything. It makes no sense. So stupid. So what degree did you get? >> Uh communications and then a minor in kinesiology. Sure, why not? $52,14969
[1:34:05] uh more interest acrru almost you you more interests in 10 days on this loan than you make on a minimum this loan than you make on a minimum monthly payment. Your minimum is $56.28
[1:34:17] income based stupid because of course pathetic. Yeah, literally just went D1. That's crazy. The Southland Conference. I've never heard that in my life. Are they the
[1:34:33] worst conference in D1? They have to be. >> No, there's lots. There's lots of >> Are they the worst conference in D1? >> No, I don't think so. I mean, there's >> they have to be. >> No, there's plenty of other worse ones.
[1:34:46] conferences? >> No, there's lots. There's lots of matter. >> Sure. like >> Sure. like >> football, hockey, baseball, basketball.
[1:34:58] >> maybe soccer. >> Soccer. >> So, of the ones that matter, there's like football has power five, really power four now, really power two, actually. And uh and then uh the group
[1:35:11] of five, >> of which the Southland does not exist, >> right? So, I mean, in terms of those, then yes, they're way worse than all of >> Oh [ __ ] that's brutal. Cuz like I I I went to a group of high school and they
[1:35:23] >> Great at hockey, decent at soccer, really bad at football, but you're telling me you're worse than them? Good luck. Why the kids having to pay more luck. Why the kids having to pay more for that [ __ ] That's pathetic.
[1:35:35] >> Mine. >> Dude, you're literally $317. You started >> Dude, you're literally $317. You started 15. Divorces, man. This is the worst thing I've I've What checking account has ever ended with negative $317 on the
[1:35:49] >> Is that mine or is that yours? >> No, not mine. >> No, not mine. >> Guys, this is insane [ __ ] Something closet Ace Hardware zelling out money. This is
[1:36:03] >> Oh, that's mine then. >> Recurring Netflix zel. >> Oh, you're the divorce her. Apple bill, Home Depot, Ross Stores, Marshalls.
[1:36:16] Affirm. Affirm. >> That's mine. >> Home Depot restaurant. restaurant. Affirm. Amazon. Affirm. Affirm.
[1:36:29] [ __ ] Stupid. Affirm. Reoccurring. Apple. Start a negative. Ended more negative. Some [ __ ] You've overdrafted like 30 times this year. This is insane. Your chase not even much better. Started with
[1:36:42] six bucks. Ended with 55 or actually nope. That was her savings. Went from six bucks to 55. Even though she's overdrafting and losing all benefit, your checking account ended with $23. Not much better. Amazon. Amazon.
[1:37:02] payments like what the charges? Sorry. >> Yeah. Yeah. Yeah. Yeah. Why?
[1:37:17] monthly payment plan. >> Oh, that's your previous Peacock. Uh, Marketplace, uh, Cable, AMC, [ __ ] Sonic
[1:37:29] he's not going negative, but you're still spending all your money on [ __ ] Stopping in and getting some [ __ ] Probably some energy drinks. You get Gamer Subs instead. It tastes better. I promise. Amazon. Affirm zel.
[1:37:42] better. I promise. Amazon. Affirm zel. So stupid, dude. >> What is it? >> It's a GMC Terrain 2016.
[1:37:55] >> No. >> Yes. No, they paid off. What's the >> So, this is like to a family, >> a friend. Yeah. >> a friend. Yeah. >> Great. $5,950.
[1:38:10] Uh, minimum payment you sometimes do 250, 200, 300, 300, 300. 250, 200, 300, 300, 300. Okay,
[1:38:25] >> For something. A car. Apartment. >> You got repo. >> Of two repos. Of course you guys did. You're made for each other. You're made for each other. City. Uh, yeah. So 30,000 repos is
[1:38:38] insane. >> That's just one. >> What's your other repo? >> Both of them are under 69. This stupid. was that? >> Where's the mortgage at a 7.3% interest
[1:38:51] rate? Jeez. Yeah, I would sell this. You'd get a lower rate anyway. Well, maybe not with your guys' credit. $172,657.34. >> We bought it for $179. Monthly payment $1,751.
[1:39:07] >> All right, guys. >> So, even if we wanted to sell it, we can't until next year cuz we got to wait 3 years. Otherwise, we pay the >> Why would you guys do that? Why harm yourselves with the home purchase?
[1:39:21] Americans obsessions hurt them constantly. It's so stupid. Makes no sense. You guys are financial morons. I'm so done. I'm so done. I'm so done. So, income? Oh, your side
[1:39:33] job doesn't count. 4,100. All right, let's get these debts. Obviously, we let's get these debts. Obviously, we know the mortgage that is 1,751. that. Should sue you for that. You know, they'll garnish your wages potentially.
[1:39:47] They'll get a court order. Seen more and more of that on the Caleb Hammer show. Link below. People are loving that. We thought that their like insurance or >> what >> took care of that when cars get repoed
[1:40:02] and it just like >> shits on the credit and disappears? you're talking about. Is there something I'm missing here? Something different happened that I wasn't aware of? >> No, we our my thought was we can barely
[1:40:17] afford it as is. Like we couldn't. So, we had to do something to get rid of it. And I'm going to follow up with them to see what I need to do to like do like low monthly payments because >> what's your gas, electric, utilities,
[1:40:31] >> Uh 300. Three 300 300 to 400. >> 300. Yeah. 350. >> Okay. Phone bill >> What's wrong with you guys? Once you pair for phones, switch to Helium. If
[1:40:47] that same kind of service. But that's with your family and everything, right? >> Well, do they pay you? >> Oh my goodness God. >> When I can't pay a vroom, v room drive, how much?
[1:40:59] >> It ends up being about 60 a week. drive that much. >> 250? >> 50? >> Oh, okay. 200 bucks. Car insurance.
[1:41:12] >> 163. >> Guys, your house is literally worth Yeah. What you bought? Like you would have to write a check to sell your house even after the three-year thing. Okay. Uh necessary food 600 bucks. Use the
[1:41:25] based on HB pricing. It's perfectly fine. Walmart, all that good stuff survive? Toilet paper toothbrush changes every single month. What the category is for, but it is $200. Medical, healthcare, their co-pays monthly basis.
[1:41:38] >> Oh. Um yeah. So it goes through his um >> What's the co-pays on a monthly basis? >> Uh 20. >> What gym? Is there a gym? bucks. You have any pets?
[1:41:50] >> Uh, two mortoos. >> $100 pet insurance. How much for pet food? >> 50 a month. this budget that I have not taken an account for?
[1:42:04] >> If if you guys even break even, I will be so surprised. But if you do, bankruptcy. >> Well, that literally might be the only
[1:42:20] option. Yeah, you guys are underwater by a,000 by 400 a month. 1,300. Um, no, not bankruptcy. Unless you can follow your budget and actually prove you change your behavior for at least a quarter for 3 months. If not, you'll end
[1:42:35] years. We've seen it before from other bankruptcy people. Uh-huh. Yeah, we've seen it before. You're not special. So, you have to change your behavior or some Those work too, but you got to change your behavior first. Or better yet,
[1:42:49] listen, even just renting somewhere cheap in a on this mortgage for a year, then cut your loss. Learn the lesson and literally just go make as a household $8,000 a month cuz you too easily can
[1:43:04] and you'll be fine. you'll be able to pay off this debt in a few years these mistakes again. You guys live in the literal middle of nowhere. Tyler's the closest large town, but I have your address pulled up and you're literally
[1:43:19] nowhere. Like, you have to move to a place with opportunity. This is the reality of the situation. This is pathetic. That's it, situation. This is pathetic. That's it, guys. That's it. Hammer financial score.
[1:43:33] Yes, this is you guys are Spending in a budget, you overspend, 0 out of 10. Emergency fund, there's nothing. 0 out of 10. Retirement, I estate, at least you have something, but it's break even. You're have no equity
[1:43:46] you're in the market. That's what matters. But it is still not great. that's going to give you anything and rounded up just barely. One out of 10. Get yours at kaleammer.com. Join us for
[1:43:59] things we're going to talk about. Listen, 120,000 active members for a reason. Three premium shows every single day, six days a week. It is the best there is. Click join to join here on YouTube. Or you can go on the Hammerite
[1:44:12] want to be, same membership in all places. Love you. See you in the post >> I thought it was a great resume, everybody. I showed >> Dude, she's a she's a she's a server. She has a two-page resume.
[1:44:24] think this is a good resume? >> Started as a I haven't been a server resume. Okay. >> You're not a sea suite. That's one of the most hilarious resumes ever. That was almost worse than Brent's. I just
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