The Most INSANE Couple Ever | Financial Audit

[00:00] If you look at everyone who is a Jewish

[00:02] who was a Jew and they're in power,

[00:03] things like that. Look it up, bro.

[00:05] >> So, basically what Trump is doing is

[00:06] like what Hitler was doing except doing

[00:08] it the right way.

[00:09] >> Is the world flat around?

[00:10] >> It's flat.

[00:10] >> When you raise your children based off

[00:12] of that, that's concerning.

[00:13] >> Biden was never really president.

[00:14] >> He's dead supposedly.

[00:15] >> What?

[00:15] >> Charlie Kirk's not actually dead.

[00:17] >> You don't actually believe this. You're

[00:18] just having fun with this.

[00:20] >> No, I believe it.

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[00:54] >> Hi, I'm Chelsea. I'm 29 years old. This

[00:56] is Gary.

[00:58] >> Hi, I'm Luke and I'm 32 years old. Work

[00:59] from DFW

[01:00] >> and this is Financial Audit.

[01:04] >> Yes, it is. Thanks for coming down from

[01:07] the Dallas area. Okay, Chelsea, you're

[01:10] in front of me. What do you do for a

[01:12] living up there?

[01:13] >> I homeschool my kids and I am a

[01:15] caregiver for my sister.

[01:16] >> Oh, kids. Married?

[01:18] >> Yes.

[01:18] >> Okay. How long have we been married?

[01:21] >> Three. Two years.

[01:22] >> Yeah. Put him down. He doesn't want to

[01:24] be with you. almost through September.

[01:26] >> Okay. Well, congratulations. Okay. Very

[01:29] good. How many kids? What are the ages?

[01:31] >> We have four kids total. Three are from

[01:35] my previous marriage and one

[01:37] >> Whose previous marriage?

[01:38] >> Mine.

[01:38] >> Oh.

[01:39] >> Mhm.

[01:40] >> Wow. Jeez. 29. Two marriages. Yikes.

[01:42] Okay. Okay. Just saying. I mean, what

[01:46] are the ages?

[01:47] >> Um, 7, 4, and six.

[01:51] >> Yeah, I think there's another one

[01:53] >> and 9 months. Well, I I messed up the

[01:55] age.

[01:55] >> I met that one. That one was very nine

[01:56] months. She is nine months. Oh my gosh.

[01:58] He's not. He's 9 months. The dog is 9

[02:01] months. She's 14 months. She's 14

[02:03] months.

[02:04] >> The dog's 9 months.

[02:06] >> Oh, that's pathetic.

[02:09] That's rough. That's rough. Dude, you

[02:13] care about the dog more than the kid. I

[02:14] guess that's why you left the other

[02:15] three.

[02:16] >> No.

[02:17] >> Okay. Okay. So, you don't make money.

[02:20] >> I do.

[02:20] >> Okay. Stay at home Very good. So

[02:23] Luke, I hope that means you make a lot

[02:25] of money because it ain't it it's not a

[02:27] super cheap place to live.

[02:28] >> Yeah, I make I make a decent amount. I

[02:30] mean, I'm I'm retired military. I work

[02:32] for roofing company, so we bring home

[02:33] quite a good quite a

[02:35] >> Which one? The retirement or theing

[02:38] roofing?

[02:38] >> Both of them make pretty good money.

[02:40] >> Okay. What do you get from your

[02:41] retirement?

[02:42] >> I get around I'd say about So VA is

[02:45] 4,646.

[02:47] >> Oh, VA. Wait, okay, that's not

[02:48] retirement. It's disability.

[02:49] >> Disability. Yeah. Yeah. Yeah. But you're

[02:51] working in roofing.

[02:52] >> But I work in roofing, too. Yeah.

[02:54] >> What do you do in roofing?

[02:55] >> So, I'm a salesman for roofs.

[02:57] >> Ah,

[02:57] >> yeah. Yeah. Yeah. I'm a salesman.

[02:58] >> Okay, that makes a lot more sense cuz I

[03:00] don't know if I would want a disabled

[03:02] person on the top of roofs doing

[03:05] roofing,

[03:06] >> right?

[03:07] >> Okay. Okay. Oh, never mind. When you are

[03:10] a saleserson, you're getting on roofs.

[03:12] >> No, we have drones now. So, I don't get

[03:13] on roofs at all. Drone.

[03:15] >> Okay. Okay. Modern technology. I

[03:17] appreciate that. Different kind of

[03:18] drone. Not killing brown people this

[03:20] time.

[03:20] >> Right.

[03:20] >> Right.

[03:22] >> What do you make in the roofing?

[03:23] >> So on average about $1,000 a week. Now

[03:26] if you do a make a sale or something

[03:28] sales average depending how big the roof

[03:29] is. I mean you're looking around 25 to

[03:32] maybe like five grand a roof depending

[03:33] on how big it is.

[03:34] >> Okay. But I'm averaging out 4,000 a

[03:36] month.

[03:36] >> But if you Yeah. Give or take. Yeah.

[03:38] Huh.

[03:39] >> If you can make a sale.

[03:40] >> If you make a sale.

[03:41] >> Is he averaging making sales? So he's

[03:43] bringing 4,000 a month.

[03:45] >> 4,000 a month. He's not making a sale.

[03:48] Okay, backstory real quick. Gosh damn.

[03:50] So, time out. Hold on. Let's this this

[03:52] have more context, right? So, I just my

[03:55] other job for roofing just got shut

[03:56] down. They quit business last week,

[03:58] right? Uh there I was making an average

[04:00] about 800 bucks a week and then on a

[04:02] sale average you can make about $1,000

[04:05] for each sale. I made two sales,

[04:07] >> but that business is gone,

[04:08] >> right? So, I just got hired actually

[04:10] signed the offer letter today uh for a

[04:13] for a roofing another roofing company,

[04:14] right?

[04:15] >> Oh, wait. But you want to know how much

[04:16] you're making? Well, I mean, I've been

[04:17] doing roofing off and on for a long

[04:18] time, so I know I know exactly. And uh

[04:21] there's a So, for for now, for about

[04:24] what is it? I think for two months,

[04:25] they'll give me about 1,000 bucks a

[04:26] week. And then after that, when you

[04:27] build your pipeline, that 1,000 bucks

[04:29] goes away, right?

[04:30] >> And you have to replace Okay. Okay.

[04:32] Well, we'll put it as four for now,

[04:34] >> right?

[04:35] >> Yeah. I mean, you seem lack of

[04:36] confidence in this.

[04:37] >> Three to four is on average what I make

[04:39] monthly every single day.

[04:39] >> Yeah. Because he's he he says he's good

[04:42] at sales, but I haven't actually seen

[04:43] him make a sale.

[04:44] >> Pay the hell attention. You know how

[04:45] much money we make? or bring her what a

[04:46] thing cost. You have no idea.

[04:48] >> Because you keep our finances separate,

[04:50] >> bro.

[04:51] >> Bro,

[04:51] >> 3 years. Mhm.

[04:52] >> And the finances are separate. Why?

[04:54] >> You want to be honest about this? Cuz I

[04:55] will.

[04:56] >> Well, please. That's what we're here

[04:57] for.

[04:57] >> Because we've argued a lot. She's damn

[04:59] near left me five, six, seven times. And

[05:01] so I

[05:02] >> Well, she seems to leave every man she

[05:03] breathes with. So,

[05:04] >> well, I mean,

[05:05] >> well, I mean, if they're

[05:08] >> you married or you ain't.

[05:09] >> You made three. Well, see, because I'm

[05:12] Christian and I was like, you know, the

[05:15] Christian church, the faith requires you

[05:17] to breed with

[05:19] >> In fact, I do believe illegal.

[05:23] >> You can't what?

[05:25] >> You're not supposed to get divorced.

[05:26] >> Well, I had real reason. I So,

[05:29] >> and and abuse, but

[05:31] >> Okay. Why are you I'm sorry. Like, yes,

[05:33] you're the victim in that.

[05:35] >> Well, I am.

[05:36] >> Why are you breeding with someone who's

[05:37] abusive?

[05:38] >> Cuz I didn't know. You didn't know he

[05:40] was hitting you when he was hitting you?

[05:42] >> I mean, I'm sorry. I don't want to.

[05:44] That's insensitive, but like

[05:46] >> I It wasn't It was It wasn't like that.

[05:48] >> Oh, so he was abusive without abusing.

[05:51] It's interesting how modern terminology

[05:53] has been kind of flipped

[05:55] >> to saying words that don't mean the

[05:57] thing that it means.

[06:00] >> No, it does. I just really I can't talk

[06:02] about him.

[06:03] >> Okay, I got you. Okay, well, we won't go

[06:05] down that rabbit hole then. Oh,

[06:07] >> yeah. Okay.

[06:08] >> Nice cover up.

[06:10] >> Did I kick you? My bad.

[06:11] >> He said nice cover up, by the way.

[06:13] >> That's not

[06:14] >> nice little scapegoat right there.

[06:15] >> That's not a scapegoat. And you know

[06:17] that.

[06:18] >> Okay. Have you hit her yet?

[06:19] >> Sure.

[06:20] >> Let's Let's try not to.

[06:21] >> She's a little fiscally aggressive,

[06:23] though. So,

[06:23] >> I am in bed.

[06:25] >> Oh, god.

[06:26] >> Okay. Well, that's nice, I guess, for

[06:28] you guys. I mean,

[06:30] >> I think a fifth is on the way.

[06:32] >> Absolutely not.

[06:34] >> It's a possibility.

[06:36] >> Absolutely not. What do you mean

[06:37] absolutely? Are you on birth control?

[06:38] >> No.

[06:39] >> Are you fixed?

[06:40] >> No. No.

[06:40] >> Is he fixed?

[06:41] >> No.

[06:42] >> Is he on condoms?

[06:44] >> No.

[06:44] >> Okay, then what the are we talking

[06:45] about? Absolutely. How do you think

[06:47] babies are made? In fact, I would say

[06:49] you're the expert.

[06:50] >> But you can track it.

[06:51] >> You can track it. It's not perfect. And

[06:54] can swim for a bit, too.

[06:56] >> And you

[06:57] >> And what if he's the part of the 35% of

[06:59] men or whatever that carry infertile

[07:01] >> that Oh, I don't think. Did you put Is

[07:03] the 14 month yours?

[07:05] >> It definitely is. I made that one happen

[07:06] on purpose. So,

[07:07] >> we he he got on medication.

[07:09] >> Okay, but even still, we've had a lot of

[07:11] infertile people on this show that have

[07:13] magically had kids. It's weird how it

[07:14] works.

[07:16] >> Like, what what are we talking about?

[07:18] >> So, he doesn't we have different views

[07:20] on how money should be spent. I'm very

[07:22] much a practical money bills need to be

[07:24] paid first and he's a I'm going to do my

[07:27] fun stuff and then

[07:28] >> bills. That doesn't really make sense.

[07:30] >> Not necessarily. No, that's not how that

[07:31] works.

[07:32] >> That but that's how you work.

[07:33] >> So, I get a guarantee.

[07:34] >> That's not how it works. That's how you

[07:35] work

[07:35] >> every single month, right? And so, and I

[07:38] know like my view is like I have the

[07:41] guaranteed money coming in every single

[07:43] month, right? I know what I can expect

[07:44] to pay, what not to pay, etc., etc. Now,

[07:47] for instance, right? So,

[07:50] how do I say this? Like, like with the

[07:51] mortgage thing, right? Yes, we are.

[07:52] >> Mortgage thing as in the first document

[07:54] in my stack, which is past due.

[07:57] >> Yes, it is.

[07:57] >> Mortgages shouldn't be passed.

[07:58] >> Right now, it's currently past due.

[08:00] >> It's past due.

[08:00] >> You already know this But I don't.

[08:02] You do.

[08:03] >> I don't. I don't.

[08:04] >> So what I do is in my personal this is

[08:06] my I guess opinion I guess whatever

[08:09] where with VA not the VA where Veterans

[08:11] United the way they work from what I've

[08:12] understood right is that it doesn't hit

[08:14] your credit until it's 30 days past due

[08:16] right

[08:16] >> but then you snowball. So how past due

[08:18] are we?

[08:19] >> No we don't snowball. I I just paid the

[08:20] the the payment yesterday. I got

[08:22] paid yesterday. So I submitted the

[08:24] payment for the mortgage yesterday.

[08:25] >> For which month?

[08:26] >> For past Yes. last month. That's we

[08:28] didn't always pass due. We catch it up

[08:31] by current due. So you just paid May's

[08:34] yesterday.

[08:35] >> What? What month we in?

[08:36] >> May.

[08:38] >> Yes. You already know this The

[08:39] same thing forever, dude.

[08:41] >> But I thought we had caught up and we

[08:42] weren't doing it.

[08:42] >> No, we have too much to pay for.

[08:45] >> So the

[08:45] >> even when I read Even when So at one

[08:47] point I had to um what do they call it?

[08:50] What do they call it? Um restructure

[08:53] loan, so to speak. I guess we

[08:54] >> No. No. Which is why are we laid on a

[08:56] mortgage? That shouldn't be the

[08:57] place we're laid out.

[08:58] >> It is the way I've done it every month

[08:59] is I only So I get So the reason I use

[09:01] cash app, right, I get paid a week early

[09:02] if all my paychecks, whatever, blah blah

[09:04] blah. So when we first got the mortgage,

[09:06] >> what? That's the cycle we're in with

[09:07] four kids.

[09:08] >> What's that?

[09:10] >> We're in a cash advance cycle with four

[09:12] kids.

[09:12] >> The way I've always done my entire life.

[09:13] So I

[09:14] >> Well, that's not necessarily good when

[09:15] you have kids.

[09:16] >> It's on a cash advance.

[09:17] >> What? What you justained? They pay you

[09:19] early

[09:20] >> due to which can be okay if you leverage

[09:23] it correctly. But if you're stuck in

[09:24] that cycle where you're not paying your

[09:25] bills on time and you're waiting for the

[09:26] early advances to pay off the previous

[09:27] one,

[09:28] >> then yeah, your cash advance cycling.

[09:30] >> Okay. I've never heard put put it that

[09:31] way, but I guess so. Yeah. Never heard

[09:33] put that way.

[09:33] >> But you're behind on your mortgage. Like

[09:35] I I don't Before we keep going, quick

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[10:57] Links on screen in the description and

[10:59] pin comment below. Let's get back to

[11:01] this financial disaster. So the way I

[11:03] see it is like this, right? Unless it

[11:05] hits my credit. I know that sounds it's

[11:06] going to sound stupid. It's the

[11:07] way my mind views it, right? It's like I

[11:09] paid the mortgage yesterday, we're no

[11:10] longer behind. There hasn't any late

[11:12] there's no it hasn't hit from now.

[11:14] >> The credit now technically the mortgage

[11:16] is due on the first, right? So before in

[11:17] the past,

[11:18] >> I was making a ton of money. I'm

[11:20] making at one point I was making like 20

[11:22] to

[11:22] >> I don't know 23,000 a month at one point

[11:24] being a trainer at Lifetime Fitness,

[11:26] right? That's including the VA, all that

[11:27] stuff. So all together making like 20

[11:28] something,000 a month. So, at the time,

[11:30] I think I um we took a trip to Tennessee

[11:33] at one point, right? And we we didn't

[11:35] pay the mortgage that month. I said,

[11:36] "Okay." I said, "Don't pay the mortgage

[11:37] this month." I said, "I just pay it at

[11:39] the end of the month when I get another

[11:40] paycheck from Lifetime," right? So, when

[11:41] we did that, I we did not budget out

[11:44] money correctly on this trip to

[11:45] Tennessee. What was it last year?

[11:46] >> Oh, now it's a we.

[11:48] >> It's been a wee, bro. It's a wei thing.

[11:49] We're married, aren't we?

[11:50] >> I

[11:52] haven't been a You told Liz you don't

[11:53] believe in late fees. Whether or not it

[11:54] hits the credit, you're still getting

[11:55] late fees.

[11:56] >> Yeah. You ain't got to pay him until the

[11:59] mortgage is done. That's also

[12:00] >> Huh.

[12:00] >> You don't have to pay the late fees

[12:02] until the end of the mortgage. Why?

[12:03] >> Yeah. Well, so you see, I didn't know

[12:07] how he was with money.

[12:09] >> Yeah. We didn't discuss that type of

[12:10] before.

[12:10] >> We didn't discuss that. But like,

[12:12] >> how long were you guys dating before you

[12:13] got married?

[12:13] >> Well, a couple months.

[12:14] >> Okay. So, that's why you're freaking out

[12:15] about move to hell in. So,

[12:17] >> 10 months.

[12:19] >> No, we were It was 10 months when we

[12:21] >> So, okay. Straight up. Let's Let's fix

[12:23] this conversation real quick. And we

[12:24] agreed on this, right? So our context

[12:27] I'm I believe in Jesus Christ, right? I

[12:28] believe the Bible and all this, right?

[12:30] So when you commence a marriage, you

[12:32] have sex that spiritually that means

[12:33] you're married. Read the Bible. It says

[12:35] in word for word, right? I don't know

[12:36] the same verse, but that's what it says.

[12:37] >> How many people have you married then?

[12:39] >> A lot.

[12:43] >> Um

[12:44] >> spiritually speaking here, you know.

[12:45] >> Well, see, okay, this is I came to my

[12:48] faith later on in life because

[12:51] >> So and then with the cross.

[12:53] >> Well, yeah, but you know what? Jesus

[12:55] still loves me and I've repented. So,

[12:58] but yeah, I I I I have a

[13:00] >> You can break them soul tones.

[13:01] >> I've had a past. I've definitely had a

[13:03] past. I have daddy issues. It's fine.

[13:05] >> Who doesn't? What woman in this planet

[13:08] doesn't at this point?

[13:09] >> But yeah, so like I did I slept around

[13:11] >> and it sounds like all your kids are

[13:12] about to as well.

[13:13] >> No, they're great.

[13:14] >> Hell, they are.

[13:21] >> Okay. Okay. What the was my question?

[13:23] Okay. I mean, I have a note that like

[13:25] what's destroying this whole thing is

[13:26] your lack of trust in this. This is

[13:28] built on like conspiracy theories and

[13:30] like I don't even know what the is

[13:31] happening. What are we what the are we

[13:34] talking about?

[13:35] >> Talk about finances. We get a mortgage

[13:36] right now.

[13:37] >> So that's why we're here based on

[13:39] conspiracy.

[13:40] >> We need help manage money when I pay my

[13:42] bill.

[13:42] >> But what is this conspiracy

[13:45] >> Okay, which one? Charlie Kirk's not

[13:47] actually dead.

[13:48] >> What?

[13:48] >> Uh

[13:50] >> um Selena Gomez is actually dead.

[13:54] and her and Justin Bieber's love child

[13:56] is with

[13:58] >> What the are we talking about?

[13:59] >> Well, conspiracy theories.

[14:00] >> Some almost killed my marriage out here.

[14:03] >> Yeah, he doesn't really agree.

[14:05] >> I don't know. I saw some videos

[14:08] uh a lot on Twitter that day.

[14:10] >> What day? Oh, okay. That's fake though.

[14:14] >> So,

[14:15] >> you saw some people die probably.

[14:17] >> But should that look like death?

[14:19] >> No.

[14:19] >> It's questionable.

[14:20] >> Oh, it's questionable, dude. I've seen

[14:22] people show I've been part of shootings

[14:23] in movies. Does that look like death?

[14:25] That looks more like death than

[14:26] >> I don't think movies are like I'll put

[14:29] to you this way. I put to you this way.

[14:30] You look

[14:31] >> when you look at his situation, right?

[14:33] First off, a man shooting a shot that

[14:36] far away

[14:38] has to be very, very, very good.

[14:40] >> He got also just very lucky.

[14:42] >> But the bullet that was supposedly used

[14:44] would have blown up his

[14:45] >> I'll say this, I was an expert shooter

[14:47] in the military. I scored perfect every

[14:48] single time I've shot a weapon in the

[14:49] military. Didn't even stand. Whatever.

[14:52] So where is he? Why would he do this?

[14:53] >> So he's in Okay. So there's theories. So

[14:55] there's theories. Okay. So he can either

[14:57] So either his wife Erica Kirk was in on

[15:00] it or like in on the conspiracy and

[15:03] she's in hiding with

[15:04] >> So we got some Candace watchers

[15:05] >> or Yes. 100%. We know.

[15:08] >> We know. Okay.

[15:09] >> We know.

[15:11] >> But we don't know. No.

[15:12] >> You think?

[15:12] >> We don't know. No. But we

[15:13] >> call It's called a fake, not a no.

[15:15] >> No, we know. So the So either his wife

[15:20] cuz she's got ties to child trafficking.

[15:23] >> She does

[15:24] >> based off of

[15:25] >> based off of the work she did with

[15:27] children. She was kicked out of what was

[15:29] the country? She was kicked out of the

[15:30] country for it.

[15:32] >> Yeah. So

[15:33] >> country.

[15:33] >> You got to know this dog.

[15:34] >> It was like Slavia.

[15:36] >> Slavia. Not country, bro.

[15:39] >> Where is it? Where is it? What was it?

[15:41] No, there was a country that she did

[15:43] like

[15:43] >> Ukraine. UK. Was it Ukraine? No, it

[15:45] wasn't Ukraine. She did.

[15:48] Don't look at me like that. I'm legit.

[15:50] Like, let me just name all the

[15:52] >> I'm just waiting for I'm trying to

[15:54] remember the country, but she was kicked

[15:56] out of a country. She was doing um like

[15:58] adoption work for little kids that don't

[16:01] have parents and they were going missing

[16:03] and so she was kicked out of the

[16:04] country.

[16:05] >> We're not GOING TO HAVE PEPSI WITH BABY

[16:07] FLAVORING IN IT. I MEAN, WHAT THE HELL

[16:09] HAVE WE BECOME?

[16:10] >> SO, ERICA KIRK, you're Satan.

[16:13] >> I'm alleging. you're alleging is a child

[16:17] ring leader.

[16:18] >> She's she's in on it.

[16:20] >> And Charlie didn't die because of that.

[16:23] >> No. So she Okay. So she's was basically

[16:26] his handler

[16:27] >> and either he this is there's two

[16:30] different theories. Okay. So either she

[16:31] was his handler, he found out about all

[16:33] her

[16:34] >> Weren't they just like a classic

[16:35] Christian couple like y'all?

[16:38] >> The So is that kind of what he was

[16:40] preaching?

[16:40] >> Well, in the in the Okay. In the video

[16:43] where he's being shot, it wasn't

[16:45] actually him. It was a hologram.

[16:47] >> Oh,

[16:48] >> there was a there was a trap door. There

[16:50] was a trap door and he So, the actually

[16:53] believe this. You're just having fun

[16:54] with this.

[16:55] >> No, I believe this. I Well, I believe

[16:56] one of two theories. That's one of the

[16:58] theories. I don't believe he's actually

[16:59] dead.

[17:00] >> Okay. And the other theory would be

[17:04] >> um

[17:05] well I've got

[17:06] >> Well, now I understand why you guys

[17:07] can't talk about things cuz you guys are

[17:09] like scary with your

[17:13] >> trap door that you think.

[17:14] >> So yeah, the door. There was a trap

[17:16] door. They covered the trap door up like

[17:19] right either that night or the next day.

[17:22] >> I That's the cover up people.

[17:24] >> The cover up people.

[17:25] >> Yeah, the cover up people. What would

[17:26] you call them? I don't know. Like

[17:28] >> I don't know. Just like who are they?

[17:29] What's the reasoning?

[17:31] >> The CIA.

[17:32] >> So where is he now?

[17:33] >> Um in hiding

[17:34] >> chief obey.

[17:36] >> Why would he want to hide? He was very

[17:38] successful.

[17:38] >> There are people because

[17:40] >> why would he want to be hiding? Well, I

[17:41] will say

[17:42] >> and it's all part of the plan.

[17:44] >> What plan?

[17:45] >> The plan with Donald Trump and all. So

[17:46] it all plays into each other. Okay. So

[17:49] we are under a military operation right

[17:51] now.

[17:52] >> There's an attack on the species by a

[17:54] guild of psychopaths and they must be

[17:56] defeated.

[17:57] >> Yeah.

[17:57] >> Were you a part of this?

[17:59] No.

[18:00] >> Okay. I think he might have some insight

[18:01] if this is a thing.

[18:03] >> So, all of these things like the Charlie

[18:05] Kirk stuff, like the celebrities, all of

[18:07] it

[18:07] >> cuz she's bashed insane. You married her

[18:10] and she's over.

[18:13] >> Is that worth it?

[18:14] >> Thanks.

[18:15] >> Somewhat sad.

[18:16] >> No, but when when all of it goes down,

[18:18] you be like, "Oh, that that crazy

[18:20] lady. She was actually right."

[18:21] >> All of it goes down. What's going to go

[18:23] down?

[18:23] >> It goes down or it doesn't go down. the

[18:24] way it's

[18:25] >> we're all going to wake up to the

[18:26] freaking that's going on in the

[18:28] world. So like the celebrities and the

[18:30] sex trafficking rings

[18:31] >> are going to do what?

[18:32] >> They're going to they're going to get

[18:34] hung in public.

[18:35] >> This is total mental illness.

[18:36] >> What? No. No.

[18:37] >> Yes. Military tribunals are coming.

[18:40] >> Okay. So I will say this on the military

[18:42] tribunals thing like they hold people

[18:45] accountable in a military tribunal

[18:47] because like be one you're too rich your

[18:50] your name's too big or this or whatever

[18:52] the case may be because with military

[18:53] tribunal you are how do I say this like

[18:56] there's a lot of normal citizen laws

[19:00] that they don't I would say quote not

[19:01] have to follow but they are outside

[19:04] those laws because of the the power that

[19:06] they hold so to speak. So in order to

[19:07] Trump to catch some of these people,

[19:09] right, you have to hold a military

[19:10] tribunal to hold them at a higher

[19:12] accountable standard. Something along

[19:14] those lines. It's still kind of like

[19:15] >> it's coming under this military

[19:17] operation.

[19:18] >> Yeah. So they're he's going to expose

[19:20] everybody.

[19:21] >> So honestly, why even care about your

[19:23] personal finances if like this big thing

[19:25] is going to come?

[19:26] >> Why does it even matter?

[19:28] >> It'll solve everything. Why does it even

[19:30] say Biden was never really president

[19:31] either supposedly?

[19:33] >> I don't think so.

[19:34] >> He was never actually sworn in either.

[19:36] Did you see his earlobes?

[19:37] >> Weren't they like old man earlobes?

[19:39] >> No. So he's Okay. So they had like he

[19:43] >> So he wasn't actually president. He's

[19:46] actually dead.

[19:46] >> Who was

[19:47] >> Trump was commander-in-chief of the

[19:49] military. So they put him in as a

[19:51] puppet.

[19:52] >> So I will say this when they when they

[19:54] did his inauguration, right?

[19:56] >> They played the funeral taps over like

[19:59] an actual presidential introduction type

[20:02] deal.

[20:03] >> So Trump did the Afghanistan withdrawal.

[20:05] That was a disaster.

[20:07] >> Um well Trump was in

[20:08] >> Trump was the president when we had 10%

[20:10] inflation.

[20:11] >> Yeah. So yeah. So it was all

[20:13] that was anyway.

[20:15] >> Well it's to wake everybody up to see

[20:16] like co for example

[20:18] >> which was also

[20:20] >> It was and it woke a lot of

[20:21] people pass the inflation reduction act

[20:23] the infrastructure bill the

[20:25] >> um behind the scenes to wake everybody

[20:26] up to make it look like it was Biden.

[20:30] >> Okay.

[20:33] No, it is like if you look at

[20:35] >> look into it, guys.

[20:36] >> You do.

[20:36] >> Can I just ask you a question? Is the

[20:37] world flat around?

[20:38] >> It's flat.

[20:39] >> Okay.

[20:40] >> And I can Well, I can kind of prove

[20:42] that.

[20:43] >> How can you prove that? If the earth is

[20:45] flat, there's a military operation

[20:47] happening. We the the the presidency is

[20:49] not even a thing. Why would we take the

[20:52] effort and sacrifice that required to

[20:53] get this under control if all still got

[20:56] to live? Like there's still

[20:57] >> But if everything comes down, it won't

[20:59] matter.

[21:00] >> It won't matter. people for freedom if

[21:03] all this doesn't matter.

[21:04] >> Well, because it is. He wants freedom.

[21:06] So, right now, we've been under a

[21:08] undercover war for a long time now. So,

[21:10] Trump is actually

[21:12] >> with these elites and these child

[21:14] traffickers

[21:15] >> trying to take over the world.

[21:17] >> Hey, I got rich. Does that mean I'm all

[21:19] of a sudden diddling children? Is that

[21:21] how this works?

[21:23] >> When you unlock a network, do you all of

[21:24] a sudden like, oh, that's a child.

[21:26] >> No, that's not true. But there's a lot

[21:28] of people who are who they get into

[21:32] their rich and fame by selling their

[21:35] soul and doing dirty things with

[21:37] children.

[21:37] >> What the are you talking about?

[21:39] >> Selling your soul. Did you sell your

[21:41] soul?

[21:41] >> No.

[21:42] >> Well, not everybody does.

[21:43] >> Created a popular show.

[21:44] >> For Okay, Justin Bieber. He tried to get

[21:47] out of it, but he sold his soul. He did

[21:49] a lot of bad things.

[21:49] >> Bro, that dude his brain with drugs.

[21:53] >> I don't think I'm listening to that.

[21:54] >> Did he?

[21:56] >> Well, did he? Diddy.

[21:57] >> Diddy and him were like

[21:58] >> Yeah, Diddy was like lube obsessed. I

[22:00] don't know.

[22:00] >> No, he was child obsessed.

[22:02] >> Yeah, pretty sure.

[22:03] >> I don't think his whole did the whole up

[22:05] in just children. It was It was He was

[22:08] on trafficking charges, but not for

[22:10] children.

[22:10] >> Kanye West. They made him look crazy cuz

[22:12] he was starting to call out the

[22:14] >> Well, I think he made himself look crazy

[22:16] and he just got rid of and he just

[22:18] apologized.

[22:18] >> So now the Kanye West that's here isn't

[22:21] actually the Kanye West.

[22:23] >> What?

[22:23] >> See how all this has no factual? No, it

[22:26] does have to though. It does.

[22:29] >> It's all insinuation, bro.

[22:30] >> It's not. It's factual.

[22:32] >> It's not factual. Factual be a fact. But

[22:34] that that phone's black, right?

[22:36] >> Prove to me that the world is flat.

[22:38] >> Well, then you got to pull out scripture

[22:39] and stuff. But basically, yeah,

[22:42] >> I like the Bible. I don't remember any

[22:46] type.

[22:47] >> Hey, type in chat GBT and tell it to

[22:49] make you a model of the world based off

[22:51] the Bible and the Ethiopian Bible and

[22:52] the book of Enoch.

[22:55] do it. Okay. So, you've got like the

[22:57] thing, right? And then you've got the

[22:59] what is it called? That

[23:00] >> we call the foundation.

[23:01] >> Well, you got your foundation, then

[23:02] you've got the

[23:03] >> Oh, You're in this, too. You got

[23:06] the firminant.

[23:06] >> The firmament. Thank you. And then

[23:07] you've got shiel, which is like hell.

[23:09] >> Um, and then let's see, you got the sun

[23:14] are in here. And then when you talk

[23:16] about the book of Enoch, there's

[23:17] different portals right in through here

[23:19] where the angels, how do you make little

[23:22] angels?

[23:24] They control the weather through these

[23:27] portals that go like in and out.

[23:30] >> Oh they have children.

[23:31] >> And then it goes down like this. Well, I

[23:33] teach them about like NASA and stuff,

[23:35] too. But did you know NASA means to

[23:36] deceive

[23:36] >> about that?

[23:37] >> I teach them about all of it so they can

[23:39] think for themselves.

[23:40] >> That's not thinking for themselves.

[23:41] That's you teaching seven, four, six,

[23:43] and 14mony year olds.

[23:45] >> Well, but you're not that's not thinking

[23:47] for themselves. You're telling them.

[23:49] >> No, that's not true. I'm not telling

[23:50] them. I'm saying these are theories.

[23:52] This is Where's the Earth?

[23:53] >> This is the Earth.

[23:54] >> Okay. So, I'm not going to ask or

[23:56] insinuate, but I'm sure in the military

[23:58] you went places. Did you go in a

[24:00] straight line?

[24:02] >> I mean,

[24:03] >> or did you go around the planet?

[24:04] >> I mean, my here's my view, right? When

[24:06] you fly,

[24:07] >> I mean, I've never paid attention enough

[24:10] to know if we're going sideways, going

[24:11] around, or whatever.

[24:13] >> That's not true either. But,

[24:16] >> um, you kids are not being homeschooled.

[24:19] >> They are being full. I am going to

[24:22] >> But I do but I but I don't teach them.

[24:24] I'm not saying this is fact. I say this.

[24:26] >> She does give them options, right? She

[24:27] teaches them about both unless they make

[24:28] their own assumption at something about

[24:30] like the globe and NASA.

[24:32] >> I'm afraid to ask a question.

[24:33] >> I'm scared to hear it.

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[26:02] >> Oh gosh, that's so scary. Some of them I

[26:04] think are planned by the government and

[26:07] um the Freemasons.

[26:09] Don't

[26:09] >> I think the shootings actually do

[26:10] happen, but I think they're just random

[26:12] acts of violence. I do not think that. I

[26:13] mean, let me let me think some of them

[26:16] are because these are

[26:17] crazy as hell these days. But

[26:19] >> like, you know, you got to look like

[26:21] this way. You got kids having kids back

[26:22] in the day. They have their damn

[26:24] parents. We got a victim ass mindset of

[26:25] the world. It's everybody else's fault

[26:26] but mine.

[26:27] >> They think they should have a litter box

[26:28] in their public school bathrooms.

[26:30] >> That's been a huh?

[26:31] >> There are no litter boxes in schools.

[26:34] >> These conspiracies are insulting.

[26:36] >> Yeah.

[26:36] >> Wait, no. What? They want litter boxes

[26:38] in the public school bathroom so kids

[26:40] can pretend they're cats.

[26:41] >> They don't want them. That should

[26:42] actually

[26:42] >> Okay. There's some crazy going on

[26:44] with like weird gender for kids. I

[26:46] Okay, that's fine. But that doesn't mean

[26:48] every mass shooting's fake.

[26:49] >> Well, no. I didn't say every mass

[26:50] shooting. I just

[26:51] >> That doesn't mean the majority that

[26:52] doesn't mean any of them

[26:54] >> a lot of them.

[26:55] >> Sandy Hook.

[26:56] >> O. Yeah. That Well, so actually one of

[26:59] the teachers who supposedly died in that

[27:02] shooting died in another shooting like a

[27:04] couple years ago. Okay.

[27:06] >> Like the same person central casting

[27:09] >> apparently. I guess apparently means

[27:11] reality and fake.

[27:13] >> Bro, you just drew doors on the cap of

[27:16] the earth where angels control the

[27:17] weather.

[27:18] >> Yeah, angels are real.

[27:20] >> They are.

[27:20] >> They are.

[27:21] >> If you're a believer, it's not saying

[27:23] that angels are fake or real. But you

[27:25] said you said they're controlling the

[27:26] weather via a door in the top.

[27:29] >> Regardless,

[27:30] >> did we go to the moon? Did we just fly

[27:31] around the moon?

[27:32] >> Did we just fly around the moon? We did

[27:34] not go. We've not been to it. Did we

[27:36] just fly around it?

[27:37] >> We have not even flown near it. Why?

[27:40] >> But I don't understand why. It's not

[27:41] that difficult.

[27:42] >> Even the buzz dude said that it is.

[27:43] >> But it's not that difficult though to go

[27:45] up Elon. All

[27:46] >> it is

[27:47] >> in Brownsville where he's launching

[27:48] rockets like every 3 days, that's all

[27:50] fake.

[27:51] >> Well, I mean, they're going up, but

[27:52] they're not going that high up.

[27:53] >> What the So, all the satellites where

[27:55] I'm getting my Starlink internet.

[27:57] >> Yeah, it's all fake.

[27:58] >> So, the internet I'm getting is fake.

[28:00] Where's it coming from? No, your

[28:01] internet might be real, but like I don't

[28:03] But it doesn't change the fact that we

[28:05] >> idea of space.

[28:06] >> You think we just got cell phones. You

[28:08] think we could go to the moon and take

[28:09] videos?

[28:10] >> Yes, it's not that difficult to go up in

[28:13] gravity,

[28:14] >> but it all

[28:14] >> like it isn't that crazy. Like, yes,

[28:16] it's difficult for us to be 100% safe,

[28:18] but it's not actually that. It is. I

[28:22] think some of these conspiracies can be

[28:23] true because if you look at the way 9/11

[28:25] happened, right, and why we are

[28:27] Afghanistan and things happened in

[28:28] Afghanistan that didn't make any

[28:29] sense. Like

[28:31] >> you'd have people there, dude, like

[28:32] we're not out there just like fighting a

[28:34] a war, someone trying to kill us, right?

[28:35] We showed up, tried to fix their

[28:37] They got pissed off at us. Now we're

[28:39] fighting back and forth. Obviously,

[28:40] we're gone from there now, right? But

[28:41] >> what does this have to do with the moon?

[28:42] Wait what?

[28:43] >> Because here's here's what I think on

[28:44] that aspect of things, right? It's like

[28:46] like 911, right? 911.

[28:48] >> Oh,

[28:48] >> Was playing a lot of the moon stuff is

[28:50] done underwater.

[28:51] >> Are you going to let me talk or No.

[28:52] What? What the

[28:54] >> Well, you interrupted me, so I figured.

[28:55] >> Well, cuz y'all just going on and on.

[28:57] There's nothing happening in the

[28:57] conversation.

[28:58] >> But there is stuff happening. I'm

[29:00] educating him.

[29:01] >> Just I ain't going to lie to you, bro.

[29:02] You had a whole lot of backual like

[29:03] backs on your stuff. So,

[29:05] >> that's cuz we're jumping topics a lot.

[29:07] >> It's just a bunch of theories.

[29:08] >> So,

[29:09] >> they have no

[29:10] >> I'm like blowing your mind right now.

[29:12] >> No.

[29:12] >> Yeah. She goes off a guy named Derek

[29:14] Johnson 1776 on Facebook, right? Amazing

[29:18] >> on Facebook.

[29:19] >> No. Okay. He's not just on Facebook.

[29:21] He's got different stuff. He is

[29:23] >> I'm pretty sure he has a photographic um

[29:25] >> Here's what I think, bro. You don't know

[29:27] Govern doesn't want you to know

[29:28] I didn't know

[29:32] Like, you ain't going to know

[29:33] unless he wants you to know what you do

[29:34] know. They want you to know it.

[29:35] >> But that's what I'm saying.

[29:36] >> Is Eric Johnson a Christian musician?

[29:39] >> Yeah, he also does music. But you look

[29:41] up his he's like a blueprint of

[29:44] everything and he goes like there's

[29:46] executive orders that put Trump as

[29:49] commanderin-chief. Like the dash the

[29:51] dash means he shot

[29:53] >> Derek Johnson.

[29:53] >> Trump that was fake.

[29:56] >> Have you seen his ear?

[29:58] >> I will tell he

[29:59] >> Yeah. No, like he No, he overplayed the

[30:01] ear thing. It was a piece of like

[30:03] shrapnel from when the bullet hit. Yeah,

[30:05] he overplayed that with the big but to

[30:08] say he's not sh He wasn't shocked. It

[30:10] was planned. It was staged.

[30:12] >> She thinks Trump staged his own

[30:14] shooting.

[30:14] >> So essentially to confirm the interview

[30:18] was there.

[30:19] >> Yeah.

[30:20] >> Yeah. It's all central casting. It's all

[30:22] >> No, nothing's real ever.

[30:24] >> Well, what do you mean?

[30:25] >> No. Anything that's ever happened is not

[30:27] real to you.

[30:28] >> Well, a lot of what we're taught is not

[30:30] real. Like Thanksgiving, the true thing

[30:32] around Thanksgiving isn't like what

[30:34] >> I think one thing you can look at that's

[30:35] may not be real. If you look at like

[30:37] this is going to make some people mad

[30:38] probably, but if you look at the

[30:39] Holocaust, right? There's been some

[30:41] videos put out there. I'll say it. I

[30:44] don't give a Like there's some

[30:45] people out there that that that take a

[30:46] video of Hitler. And I'm not saying what

[30:49] Hitler did was good at all. Not what I'm

[30:51] saying. But what I'm saying is I think

[30:53] nowadays Israel is definitely the head

[30:55] of everything, right? The Jews are

[30:56] whatever. And like if you're if you're a

[30:58] believer, right? And God talks about

[31:01] Israel trying to save the children as a

[31:02] people, as a nation, not as the state as

[31:05] it is, right? Like Israel is a state

[31:07] like its own thing, right? But like

[31:10] they're the most corrupt

[31:11] in the entire world. Like 100%.

[31:14] >> Right?

[31:15] >> And I'm not saying the Holocaust was

[31:16] good. Not I'm saying Hitler had a point.

[31:18] I'm not saying I agree with Hitler. I

[31:20] don't know if I agree with that. Not

[31:22] saying that. Not saying that. Let me

[31:23] fish what I'm saying. Damn it. What I'm

[31:25] saying is is the people who are

[31:27] disrupting our government now, right? If

[31:30] you look at everyone who is a Jewish who

[31:32] was a Jew and they're in power, things

[31:33] like that. Look it up, bro. Look the

[31:35] up. This I'm not a big conspiracy

[31:37] theorist. This is something that I will

[31:38] die on, right?

[31:40] >> Hitler was trying to prevent his country

[31:42] from taking over a bunch of crazy ass

[31:44] powerful type people. Time out. Listen,

[31:47] that is a fact. Now, will I say Hitler

[31:48] killed innocent mother? He did. He did

[31:51] some really bad things, but his main

[31:53] purpose behind it all. He was trying to

[31:57] prevent a takeover from who United

[31:59] States is being run through by now.

[32:00] >> So basically what Trump is doing is like

[32:02] what Hitler was doing except doing it

[32:03] the right way. He's trying to CALL

[32:05] EVERYBODY OUT.

[32:06] >> I DON'T KNOW IF I'M GOING TO SAY THAT,

[32:07] DOG. I ain't going to go that far.

[32:09] >> He's not trying to kill people that far.

[32:10] >> He's not trying to kill people, but he's

[32:12] trying to

[32:13] >> That's a little mix up there, dude.

[32:14] >> He's trying to expose people.

[32:16] >> That is a Yes. Okay. Talking about

[32:18] Hitler would expose nobody. He was

[32:20] saying he say you I don't like either

[32:22] but Trump is trying to get out of my

[32:23] country when he's not trying to kill

[32:24] terminate you. You know what I'm saying

[32:26] that that that's

[32:27] >> you guys find each othering.

[32:33] >> Oh man,

[32:33] >> I don't even know what to say to any of

[32:35] that.

[32:36] >> No, but to like clarify to clarify

[32:38] >> to clarify. THERE'S A LOT TO CLARIFY

[32:40] THERE.

[32:40] >> What Hitler did WAS OKAY. LIKE I LIKE

[32:43] >> WE'RE BACK TO THE AGE.

[32:45] >> NO, because I don't think what he did

[32:46] was okay abortion. Like killing people

[32:49] is not okay. So

[32:50] >> I think what Hitler was getting at, bro.

[32:52] >> What did you say?

[32:53] >> I don't believe in abortion.

[32:54] >> Okay.

[32:55] >> So I don't think because I don't think

[32:56] what Hitler did was okay. I don't think

[32:58] him killing people was okay. But I think

[33:01] that maybe there's a reason for what he

[33:03] was trying to do.

[33:04] >> A different way he could have handled

[33:05] it. Yes.

[33:06] >> But the history people was trying to

[33:09] stop are the same mother running our

[33:12] today.

[33:15] >> Straight up. Come on.

[33:16] >> That's a man. Do you need a

[33:17] minute?

[33:18] >> That's a fact, dude.

[33:19] >> I don't need a minute. I just don't EVEN

[33:20] >> THE STATE OF ISRAEL is running the show.

[33:22] >> I could really use a margarita right

[33:24] now.

[33:25] >> The state of Israel is running

[33:26] everybody's The Rockefellers,

[33:28] Black Rock, Vanguard, all these people,

[33:30] bro. They running They running the show.

[33:32] >> There's four more of them that they made

[33:35] >> and they are going to be the ones who

[33:36] are running this country the right way.

[33:38] >> Oh, our children.

[33:41] >> My daughter's going to be the next

[33:42] president.

[33:43] >> Aiden will be pretty cool. Um,

[33:45] >> me I don't even know, man.

[33:48] >> I don't even know. Well, so clearly your

[33:52] military disability is a brain injury.

[33:54] >> It's a heart issue, actually.

[33:56] >> He does have that

[33:56] >> from the military.

[33:57] >> Yeah, I had a heart attack when I was

[33:59] >> issue. So, he's got from the military.

[34:01] >> I've got some PTSD and too, going

[34:03] on. But

[34:03] >> everyone does, I guess.

[34:04] >> It was all from the military. Yep. Too

[34:06] much caffeine, too much drugs, too much

[34:07] lifting weights, too much stress.

[34:09] >> They gave you the drugs?

[34:11] >> Well, they gave him all sorts of

[34:12] vaccines. We got a ton of them.

[34:14] >> And so that

[34:14] >> Oh Oh my goodness. You're

[34:16] literally latching on to everything that

[34:18] people like you are just on about.

[34:20] >> But because we're right.

[34:22] >> See, you can't say that cuz you don't

[34:24] really know. You just have a

[34:25] >> know. Like I ain't saying I'm right, but

[34:27] I have a theory.

[34:28] >> What?

[34:29] >> But I believe my theory.

[34:30] >> I I think I'm happy that I got some of

[34:33] them when I was a kid.

[34:35] >> No.

[34:35] >> None.

[34:36] >> I I don't believe in vaccines.

[34:37] >> Not even polio?

[34:38] >> No. Um actually, if you look into the

[34:40] history of all these

[34:41] >> Okay. Polio is like a 0.0000 Z3% chance

[34:45] of even getting the paralytic polio.

[34:47] >> It wasn't very good back in the day when

[34:49] a lot of people were getting it.

[34:51] >> I I know. But that's what I'm saying.

[34:52] They were a lot of people were not

[34:54] getting it.

[34:56] Yeah. No, that's just inaccurate.

[34:59] >> And the studies and the uh statistics

[35:02] that you have that you get for that, you

[35:04] have to pay for it. Why do you have to

[35:05] pay for statistics on

[35:07] >> vaccine preventable

[35:09] will tell you? No, you can't do that

[35:12] >> to get the statistics for all these.

[35:15] >> She's saying to get the data on the

[35:17] vaccines, you got to pay for to get the

[35:18] data is what she

[35:19] >> did report that uh from from who?

[35:22] >> From the CDC or whatever the place is

[35:24] that has it.

[35:27] >> Listen, I mean, I think

[35:28] >> probably just use Chad PD. No, you

[35:30] can't. I think everyone is in alignment

[35:32] that maybe went a bit too hard during

[35:34] the co thing with the freak out. Like, I

[35:36] get it, but a lot of that is hindsight.

[35:38] Okay, hindsight. We didn't we also

[35:40] didn't really

[35:42] when it first started we didn't really

[35:44] know.

[35:44] >> Listen, I'm going to tell you when I

[35:45] first started I said guess who I was

[35:47] like actually trying to give you a bone

[35:49] here of like I understand where a lot of

[35:52] people's minds are cuz we went way too

[35:54] hard in places like California license.

[35:56] No, I get it. I get it. I get it. I get

[35:58] it. And hindsight, yes, it wasn't as I

[36:01] get it. If you're a healthy adult,

[36:03] whatever. But come on. I mean, I'm okay

[36:05] that I got the polio. I'm happy that I

[36:07] got the polio. But not everybody is.

[36:09] >> Huh? Not everyone is. What?

[36:10] >> And if your vaccine works, then why do

[36:12] why do why do we need to get it? So

[36:14] let's say you've got your polio vaccine.

[36:16] >> What did you just say?

[36:17] >> And I'm not and your vaccine works and

[36:19] polio is going around. Then why do I

[36:21] need to be vaccinated if your vaccine

[36:24] works?

[36:26] >> Cuz vaccines create antibodies

[36:29] to protect you against.

[36:31] >> But I've got Yeah, but the disease

[36:33] >> I gave him a big uh

[36:35] >> I know. which is why he's kind of

[36:37] >> Mhm.

[36:37] >> You think?

[36:38] >> Listen, dog. That's not why actually.

[36:41] But

[36:42] >> I I dude, I don't even I just don't even

[36:44] know what to say. When there's like

[36:45] different realities, it's not a

[36:47] conversation that can be had. Like I

[36:48] just don't know.

[36:49] >> There's reality and then there's the

[36:50] show that you're being given.

[36:51] >> Okay, Tom. I'm going to say this real

[36:53] quick. This is the basis of what we This

[36:55] is definitely like a belief thing,

[36:58] right? And I will say this. If I So,

[37:00] when I was born, right, my mom, she's a

[37:01] nurse, would have been nurse for 40

[37:02] something years, right? She didn't get

[37:03] us vaccinated at all, right? I think I

[37:05] think we had the vitamin K shot. I think

[37:06] something like that. One or two that was

[37:08] >> individuals do is

[37:09] >> and what I'm what I'm saying is is like

[37:11] there's a lot of people I felt who don't

[37:13] get the vaccines who stay healthy for a

[37:14] very long time, don't get sick very

[37:16] often, whatever, right? And then and but

[37:18] I'll say this on the on the contrary,

[37:19] right? On the contrary, right? When I

[37:21] went to the military, they give you

[37:22] every damn vaccine. You probably think

[37:23] them in your mind is healthy. When I was

[37:26] in there, I I I dude I don't remember

[37:28] one time getting sick besides that,

[37:31] >> right? And that's kind of a big deal I

[37:32] get, right? But the but the heart attack

[37:34] heart attacks can be very much stress

[37:36] induced, stimulant induced, whatever the

[37:39] case may be, right? Stress, whatever.

[37:40] Heart attacks can happen for a lot of

[37:41] freaking reasons, right? Whatever.

[37:42] >> And you said drugs like I don't know,

[37:44] but you said drug. Yeah, drugs.

[37:46] >> Drugs. I took Okay. So, I took a lot of

[37:48] like obviously I mean you've got

[37:50] pre-workouts got a ton of in them

[37:51] you don't really know about, right?

[37:52] >> Including caffeine. And if you were

[37:54] caffeine maxed, like you were you likely

[37:56] above the daily dose, right?

[37:57] >> I'm taking a ton, bro. It would do

[38:00] it. But there was also, you know, you

[38:02] got to look at like SARMs, a selective

[38:04] android module receptor. I don't know if

[38:05] those are or not, but they're basically

[38:07] >> a selective andro receptive module

[38:10] module, excuse me, receptor module. I

[38:13] can't say it, but

[38:14] >> basically what they do is they adapt to

[38:16] your attach to your receptors in your

[38:19] body to create physical

[38:21] >> attributes, whether it's muscle,

[38:22] endurance, whatever. Right? Instead of

[38:23] taking like steroids, it affect your

[38:25] hormones. SARMMS for the most part don't

[38:27] affect your hormones, right? So, I was

[38:29] taking those, right? So, I was pretty

[38:30] jacked. Whatever.

[38:31] >> Things like that. So,

[38:32] >> okay. What's your disability again on a

[38:34] monthly basis?

[38:35] >> 4,646.

[38:36] >> Okay. So, 8,46.

[38:38] Okay. That's

[38:39] >> Wait, what?

[38:40] >> What? Eightal

[38:42] >> with your four with the four that comes

[38:43] in with the other job. So, that's the

[38:45] eye.

[38:46] >> That

[38:46] >> How much is that?

[38:47] >> Uh, 1905 + 955.

[38:51] >> Can you

[38:52] >> whatever that is?

[38:52] >> Math that.

[38:53] >> Yeah. I didn't go I didn't go to

[38:55] college, but I dropped out. So,

[38:57] >> 9005. You said

[38:58] >> 1905. So 1905 plus 955.

[39:02] >> Okay. Plus

[39:05] >> Okay. So yeah, that makes sense that you

[39:07] can stay at home and teach your children

[39:08] to be

[39:09] >> also work.

[39:10] >> Actually, my kids are several grade

[39:12] levels above the average child.

[39:13] >> How would you know?

[39:14] >> Um because I've tested them.

[39:16] >> You tested them? Great. She's got a

[39:19] third party. You got to you got to talk.

[39:21] Say for real, bro.

[39:22] >> So they're actually extremely smart and

[39:25] socialized.

[39:26] >> Uh-huh. They are.

[39:26] >> And I believe that. Did you know over

[39:29] 70% of kids in the public school system

[39:32] aren't even making their

[39:33] >> Did you know that 100% of the things you

[39:35] say I can't trust anymore?

[39:37] >> They like you ruined everything you will

[39:40] ever because you don't know the

[39:42] research. I don't have all the research

[39:43] in front of me.

[39:44] >> This is how you drew the planet. Then

[39:45] you said angels come through this door

[39:47] to control the weather.

[39:48] >> Well, read the book of Enoch.

[39:49] >> Let me just grab my stuff off the bus.

[39:54] >> I don't know that one.

[39:55] >> Okay. Exactly. But do you believe? Okay.

[39:57] Well, here's the thing.

[39:58] >> What is it?

[39:59] >> It's a book.

[39:59] >> It's part of the Bible.

[40:00] >> From the Bible.

[40:01] >> Is it in the Bible?

[40:02] >> Taken out of the Bible.

[40:03] >> Taken out of the Bible.

[40:04] >> Okay. Well, if it's not in, then

[40:05] >> it's cuz of King James, bro. King James

[40:07] is a correct little bag, too.

[40:08] >> Huh?

[40:09] >> King James took the book of Enoch.

[40:10] >> Hold on. If If you are a believer in the

[40:13] Christian faith, the book of the Bible

[40:15] is the word.

[40:16] >> Yes.

[40:16] >> That's it. That's the original Bible.

[40:19] No, that's not it. There was the

[40:20] original Bible. There's the Ethiop.

[40:22] >> There is There's all sorts of things.

[40:24] All sorts of books that were taken out.

[40:25] didn't even answer that.

[40:26] >> Yes.

[40:27] >> Yes. They're the ones that took it out.

[40:28] But

[40:28] >> it's I council nia.

[40:30] >> I can't say that word. But anyway, not

[40:32] >> like the whole purpose of it is, right,

[40:34] is like I believe here's the deal too

[40:36] about the word, right? The word the the

[40:38] the word of God has been translated.

[40:40] >> Your mother's

[40:41] >> your your mother's so

[40:43] >> it's translated so many times, bro. You

[40:45] can't take the word of God in an NIV or

[40:48] a NIT or a King James version and read.

[40:51] >> So why would they take that out? your

[40:53] magical dome

[40:53] >> because then it proves

[40:55] >> government bro that's the government

[40:56] >> why what what advantageous thing would

[40:58] the government have to say that it's hey

[41:01] what what benefit control how are we

[41:03] being controlled by saying the earth

[41:05] >> if you prove God is real

[41:07] >> what does it do to say it's round what

[41:08] do they gain

[41:09] >> okay for what are they gaining because

[41:12] deception the truth the truth that the

[41:14] lord is real

[41:15] >> what how does it disprove that by saying

[41:17] the planet's round

[41:18] >> because when you when you when you read

[41:20] the first when you read the I can't

[41:21] quote it I can't. But if you read the

[41:23] Bible, when it starts when it starts

[41:24] talking about how he made the earth,

[41:27] right? He talks about the firminant

[41:28] waters both the firminant and then he

[41:30] talks about

[41:30] >> how earth was made because then it

[41:32] disproves evolution. E N O

[41:36] >> it disproves evolution and like that we

[41:38] came from monkeys. They want control

[41:40] which is the

[41:41] >> Okay. So, okay. When Darwin made that,

[41:44] you know, he worked on all that. Very

[41:47] good.

[41:48] What does it actually give them that

[41:51] some people believe in evolution?

[41:53] If you prove God, if this proves God is

[41:56] real,

[41:56] >> if you prove God is real, you lose you

[41:58] lose all power, all everything.

[42:00] >> And what does that why does that even

[42:01] matter? Cuz like first of all,

[42:03] Republicans in this country are

[42:04] overwhelming religious and they're

[42:05] trying to push religion.

[42:06] >> They think they think they are, but like

[42:08] >> you want they want you to think they

[42:09] are.

[42:10] >> It's a spiritual battle. But for what is

[42:11] this battle raging, you ask? I don't

[42:13] know. What stands at the center? So then

[42:15] you working together o

[42:17] >> Yeah. E N O C

[42:19] >> Republican Democrats work together

[42:20] anyway.

[42:21] >> It's Yeah. But it's a spiritual battle.

[42:23] >> If I run for office and I get elected,

[42:24] I'm all of a sudden going to just be

[42:26] this evil person, a part of a

[42:27] conspiracy. I wouldn't say that even if

[42:28] I never

[42:30] would have heard of it.

[42:31] >> I think people slowly

[42:32] >> because you're they're going to

[42:33] introduce themselves to you and they're

[42:35] going to ask you to join their and

[42:37] if you say no, then they're not going to

[42:39] let you go further. Or if you say yes

[42:41] and then say no, they're going to label

[42:42] you as crazy.

[42:44] Why do you think they're all on Candace

[42:46] Owen's ass trying to make her look

[42:48] crazy?

[42:50] >> There's one. She might be.

[42:53] >> That's one option.

[42:54] >> She's not crazy, though.

[42:55] >> She might be

[42:56] >> like, you okay, you know Britney Spears?

[42:58] She her and Justin Timberlake actually

[43:00] died in a car accident.

[43:02] >> Enoch was not actually written by the

[43:03] biblical Enoch. It was written by

[43:05] multiple Jewish unknown authors

[43:07] >> allegedly. So

[43:08] >> composed over several centuries from 300

[43:12] BC to 100 BC.

[43:13] >> Yeah, they found

[43:14] >> with some sections possibly even later.

[43:18] >> So Enoch was actually

[43:19] >> it's not a single book. It's a

[43:20] collection stitched together

[43:22] independents though.

[43:23] >> So Enoch was actually sent into the

[43:26] Garden of Eden to be as like a

[43:28] bookkeeper for everything that's uh

[43:32] that person isn't a thing. It was

[43:35] written by other Jews,

[43:37] >> Jewish people.

[43:37] >> But I also think this, bro, you have to

[43:39] go, you have to read the book.

[43:42] >> It may be fine.

[43:43] >> Say it was written by multiple Jewish

[43:44] people.

[43:44] >> That's going to tell you what they want.

[43:46] That's going to show you what they want

[43:47] you to know.

[43:48] >> Okay, very good. And where are you

[43:50] getting the truth?

[43:51] >> Um,

[43:52] >> we made it up. We made this one up. It's

[43:54] a madeup tale. It's a total fabrication.

[43:57] >> The the Lord

[43:58] >> See, this is where he told to What do

[44:00] you mean?

[44:01] >> Enoch said this was written by Enoch.

[44:03] What?

[44:03] >> Enoch said this was written by Enoch. I

[44:05] didn't say Enoch said it was written by

[44:07] Enoch. I said read the book of the

[44:08] truth.

[44:09] >> How am I getting what truth?

[44:10] >> That truth that it was uh that Enoch

[44:12] went into the garden.

[44:13] >> Uh because it's in the Bible. It's in

[44:15] scripture.

[44:16] >> What? Which one?

[44:18] >> In Enoch.

[44:18] >> In Enoch,

[44:19] >> which is not in the Bible.

[44:20] >> It was taken out of the Bible.

[44:21] >> Out of the Bible, though.

[44:22] >> This sounds absolutely insane. And I'm

[44:25] aware

[44:26] >> it was originally in the Bible.

[44:28] >> Oh

[44:30] >> I'm pretty sure I'm right on that

[44:31] though.

[44:32] No, I don't think you're right on

[44:34] anything lately.

[44:34] >> I am right on it. It was taken out of

[44:36] the Bible because they felt like it

[44:38] wasn't it couldn't be um

[44:41] proved legit is their reasoning, but it

[44:44] was in the original.

[44:45] >> Here's my deal, too, bro. Is like if

[44:47] you're talking I don't know if you are

[44:48] or not, Caleb, but if you talk to

[44:49] anybody else who is a believer and not a

[44:51] believer, whatever the case may be is,

[44:53] right? Whatever your belief is, right?

[44:55] It's really hard unless you've

[44:57] experienced God yourself. It's hard to

[45:00] believe that God is real.

[45:02] >> So, it's considered a false attribution

[45:04] by scholars all across multiple

[45:06] centuries since the Bible was made.

[45:08] >> The thing that it talks about is very

[45:10] >> it's very different. They don't want you

[45:12] to believe

[45:13] >> who they you keep saying they who

[45:15] >> the people in control like the

[45:16] Rockefellers the

[45:17] >> the Rockefellers didn't exist I've seen

[45:19] didn't exist when all these

[45:21] >> when they said well they didn't exist

[45:23] over the centuries when they were saying

[45:25] it's a false attribution like it was

[45:27] never not once a part of the Jewish

[45:29] cannon not once a part of the Hebrew

[45:31] Bible Ethiopian

[45:34] >> Ethiopian why the would I care

[45:36] about Ethiopian

[45:36] >> because that's the original like the

[45:38] least messed with Bible

[45:42] You got to show cuz you're reading

[45:43] stuff. How do I know that what you're

[45:45] reading is actually cuz I've done my

[45:46] research.

[45:47] >> From what?

[45:48] >> You're doing like a five minute little

[45:49] scroll

[45:50] >> from what have you done your research

[45:52] though.

[45:53] >> Well, I mean, how does anybody do

[45:54] research? You read books. You research

[45:56] things. You Google. You read scripture.

[46:00] >> Uh, I will say this. I mean, I Yes, I

[46:04] am. I'm closest aligned with

[46:05] Christianity, I guess. Okay. But even

[46:07] still, if you you can't read that and

[46:11] say because you heard it in the book and

[46:15] the book says the book is real that all

[46:16] of a sudden the book is real. Let's be

[46:18] real about

[46:18] >> No, but that's not how that works cuz

[46:20] that's exactly that's faith but that's

[46:21] not fact.

[46:22] >> That's Well, that's your opinion based

[46:24] off somebody.

[46:24] >> No, that's faith. It's not fact. I mean,

[46:26] I still do believe in the Bible cuz I'm

[46:28] I guess you believe it's fact.

[46:29] >> This for me, but I am also a realist. I

[46:32] understand that just because if if a

[46:34] book tells me the book is real, that

[46:35] doesn't mean the book is real.

[46:37] >> The but it does

[46:39] >> because everything that's happened

[46:40] religious belief that's not an actual

[46:42] research fact.

[46:43] >> But okay,

[46:43] >> about the world outside of the book of

[46:45] what was happening.

[46:45] >> So much science points to

[46:47] >> science,

[46:48] >> dude. Okay. Do you know they found

[46:49] Jesus's blood? Like they like all of

[46:52] that is real.

[46:55] >> The arc they found the ark of the

[46:56] covenant.

[46:57] >> They found Yes. They found the ark of

[46:58] the covenant and they tested his blood

[47:00] and it only had the chromosomes from his

[47:03] mom. So there's facts that have been

[47:06] hidden that show everything in the

[47:09] Bible, Israel. Like when the Moses split

[47:12] the sea, they found all of the pieces of

[47:14] the trolley, whatever they're called

[47:16] chariots

[47:17] >> in the bottom of the sea. So there is

[47:20] proof, but they're covering it up in

[47:22] hiding. There's certain stories of the

[47:23] Bible they can go back and find the

[47:25] actual art the artifacts of the story of

[47:28] where it happened and like all of that.

[47:30] But I will say this, I agree with Caleb

[47:32] to an extent where it's like I do

[47:33] believe in God 100% Yeshua, Yahweh,

[47:35] whatever you want to call him, right?

[47:36] But at the same time, I think God has

[47:39] given you the ability to use discernment

[47:40] and also the fact of like being able to

[47:42] decipher fact from fifth from fiction on

[47:44] fiction, right? So no matter if you're

[47:46] no matter if you're a human, bro, you're

[47:47] going to have the issue of okay, yes, I

[47:49] do want to have faith in this, but at

[47:50] the same time, I still speculate I

[47:54] specular whatever you're

[47:56] >> telling everyone else that they're

[47:57] because this is a part it is a part of

[47:59] the Ethiopian and Idian Idian Orthodox

[48:03] Bible. So it's a part of them, but for

[48:05] every other denomination and faith, it's

[48:07] treated as Jewish literature rather than

[48:09] scripture. So you're just saying that

[48:10] the other people's faiths are wrong.

[48:11] >> Okay? So think of it this way. You're

[48:13] just saying the other people are wrong.

[48:14] That's not what I'm saying at all.

[48:14] That's not what I'm saying at all. We

[48:15] are all on our own walk to learn and be

[48:18] taught and told what to believe by the

[48:20] Holy Spirit. However, look at it this

[48:22] way. So, we've got modern medicine like

[48:24] Tylenol, right? So, let's say we're

[48:26] using Tylenol to get our um fever down.

[48:29] Well, then we come across some old

[48:30] scrolls that say, "Oh, you can get your

[48:32] fever down with um a cold washcloth."

[48:35] That doesn't make Tylenol irrelevant.

[48:37] Listen, I'm giving an example.

[48:40] I'm giving an example. That doesn't make

[48:42] the Tylenol any less real.

[48:44] >> No, you're an author. You wrote a book.

[48:46] People are reading your book. It's on

[48:48] Amazon. Oh, no.

[48:51] >> Oh, yeah.

[48:52] >> That one doesn't have to talk about

[48:52] anything crazy.

[48:53] >> Oh, it has one review. That must have

[48:54] been you.

[48:55] >> Actually, no. I don't think your own

[48:58] book. I tried.

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[50:34] >> I mean, I can still write a good book

[50:36] and have my own conspiracies.

[50:38] >> This is true.

[50:39] >> Yeah, it's great. It's helped a lot of

[50:41] women actually.

[50:43] >> It has, including myself.

[50:45] >> True.

[50:46] >> Like I know attorneys that are giving it

[50:48] to their um clients.

[50:50] >> Oh, guys, I just I don't know what to

[50:52] do. Listen, like Yeah. Now I listen. Was

[50:55] was that a financial conversation? No.

[50:57] But does it absolutely suggest

[51:01] how the you probably cannot communicate

[51:04] in this house? Absolutely. Once you guys

[51:06] have sent your set your own realities

[51:09] and your own opinions on something, you

[51:11] guys are hardlined. You will never be

[51:12] changed.

[51:12] >> You got to be flexible, bro.

[51:14] >> But you guys aren't is the thing. And if

[51:15] you guys have different opinions on

[51:17] finances in this house,

[51:18] >> you're married, but we ain't the same.

[51:19] Okay.

[51:20] >> Exactly. But you guys are married, but

[51:21] your finances aren't. You guys are and

[51:24] you guys are so hardlined and you will

[51:25] never be flexible on finances.

[51:26] >> I'm flexible.

[51:27] >> What are you talking about? You just

[51:29] when you went like

[51:30] >> you completely disregard everything that

[51:32] I do. You are not flexible.

[51:34] >> I am flexible. You don't have any

[51:35] control.

[51:35] >> Tell me tell me the finances in this

[51:37] house. How you guys go about it. How the

[51:39] conversation

[51:39] >> she has no idea cuz she doesn't want to

[51:40] know how she she wants to know. When I

[51:42] try to give it to her, she says, "Oh,

[51:44] you're the man. You're supposed to

[51:45] handle I can handle the weight of that.

[51:46] You're supposed to lead her. You do it

[51:47] all. But I want you to do it my way."

[51:49] But he spend he spends his money on like

[51:52] stuff that he shouldn't be doing.

[51:54] >> That is a fact. I won't argue with that.

[51:55] But at the same time,

[51:56] >> my bills are all paid on time. Like but

[52:00] his but when he pays my bills, they're

[52:02] late because he'd rather have fun.

[52:04] >> And also, for what it's worth, I do have

[52:06] to say when you talk about how it was

[52:08] taken out, cuz I care about this, the

[52:10] Jewish cannon, the the tan cannon in

[52:13] Hebrew Bible was largely set by the

[52:15] second century or by the first century.

[52:18] They chose what they

[52:19] >> and the first Enoch was written after

[52:22] that by year 300 or 100

[52:25] >> and

[52:26] >> it was written after the Bible was

[52:27] already said. So you can't say it was

[52:28] taken OUT OF THE BIBLE. IT WAS WRITTEN

[52:31] POST BIBLE

[52:32] >> BUT IT was part of it

[52:33] >> written after. So you can't say it was

[52:35] taken out. So technically that means it

[52:37] was added.

[52:38] >> So you're asking for it to be added. And

[52:40] guess what?

[52:40] >> I didn't know that actually. So that's

[52:42] interesting.

[52:42] >> And when the and the Bible spec

[52:44] specifically talks about in there and I

[52:46] can't quote scripture and stuff. I'm not

[52:47] good enough for that. Okay, you're

[52:48] wrong. But it Huh?

[52:50] >> You're wrong.

[52:50] >> Okay, good. And and whatever it says, it

[52:53] says like it warns you of false prophets

[52:55] and all this and other additions

[52:57] and when people try to add things, it

[52:59] warns of that.

[53:01] >> And this is additive.

[53:02] >> But but is it?

[53:03] >> It is cuz Okay, off of that subject,

[53:06] right? Like if he's what he's saying is

[53:07] is factually correct, right? Off of what

[53:09] he's looking at. If that is a fact,

[53:10] >> I think he's correct,

[53:11] >> right? It's like if it was added to it,

[53:12] then he just quoted the fact that you

[53:14] shouldn't believe in things that are

[53:15] added to it and blah blah blah, right? I

[53:17] mean like I think even if the book of

[53:19] Enoch is true say it is right it still

[53:21] adds a lot of confusion and more things

[53:23] you want to you have to decipher through

[53:25] things you have to try to not or to

[53:26] believe is that was a protection from

[53:28] God say listen bro don't don't go down

[53:30] these rabbit holes cuz all you need to

[53:31] know is about me and only me you have to

[53:33] know all the facts

[53:34] >> yeah like all that

[53:35] >> that that's what it that's what it

[53:37] narrows down to

[53:37] >> well it's fun to go through in like

[53:39] these rabbit holes but like truly

[53:40] ultimately it matters but when you base

[53:42] your whole world view off of rabbit

[53:44] holes and you're raising your children

[53:46] based off of rabbit holes. When you

[53:48] raise your children based off of that,

[53:49] that's raising them off.

[53:50] >> Have you told them this?

[53:51] >> Yeah,

[53:52] >> that's concerning.

[53:53] >> But I've also told them the other

[53:54] theories and I've said it's a theory.

[53:55] >> What theories?

[53:56] >> So like the globe

[53:57] >> I'm sorry. Us going to the moon is not a

[53:59] theory. Us flying around the moon. Those

[54:01] not a theory. Mars. No, that's not my

[54:04] opinion. Mars. You can get a telescope

[54:07] and go see Mars.

[54:08] >> You can look at a theory.

[54:10] >> No, you can see it. I've seen

[54:11] >> But that's not a theory when you see it.

[54:12] >> But how do you know we've actually been

[54:14] there? That's the thing though. We

[54:15] haven't been there.

[54:16] >> So Mars rovers are

[54:19] rovers are We have live feed.

[54:21] >> Yeah, that's fake.

[54:23] >> What?

[54:23] >> I' I've never looked at it. I can

[54:25] >> So when the Soviets in America were in

[54:27] this massive space race and the Soviets

[54:30] sent uh even a rover to Venus, you're

[54:32] saying that's fake. They conspired

[54:34] together. The two enemies of the world

[54:37] conspired together.

[54:38] >> Yeah.

[54:39] >> Why?

[54:40] >> Would the Soviets and America conspire

[54:42] together?

[54:43] >> FAR INTO IT. OH, YOU BUT YOU JUST HAVE

[54:45] TO SAY IT'S fake

[54:46] >> because it is. That's my opinion.

[54:48] >> That's just your opin. That makes no

[54:50] sense. It does. Everything she says is

[54:52] her opinion.

[54:53] >> But it's most likely fact. It's most

[54:56] likely fact.

[54:58] >> Her opinion is fact, though. Like,

[55:00] >> you can't argue with her, bro.

[55:02] >> Well,

[55:02] >> when I say you can't argue with women is

[55:05] the definition.

[55:05] >> Who? Chelsea.

[55:07] >> Chelsea is the definition.

[55:09] >> Damn it. So again like the Torah that

[55:12] was widely accepted and authoritative by

[55:15] 400 BC we

[55:18] >> but Enoch was done by 100 BC there's

[55:22] also

[55:23] >> 300 years after

[55:25] >> there are people who don't believe that

[55:26] >> the prophets were mostly fixed in by 200

[55:28] BC again Enoch 100 BC afterwards

[55:32] >> correct

[55:33] >> huh

[55:33] >> if I do that does that make me correct

[55:35] >> no but if you actually read it

[55:36] >> but I have read it

[55:38] >> but you're doing like a two-minute

[55:39] little reading on Google that could be

[55:41] are you on Wikipedia? Wikipedia is not

[55:43] like a good place to get your

[55:45] information from.

[55:46] >> Okay. Where is lady?

[55:47] >> Um well lots of places.

[55:49] >> Okay. Very good.

[55:50] >> But you have to take

[55:51] >> from the book of Enoch itself when it

[55:52] said no this is actually written before

[55:54] >> the book of Enoch is even mentioned in

[55:56] like the Bible

[55:58] >> where

[55:59] >> um Google it.

[56:00] >> You don't trust Google.

[56:01] >> Yeah. Well, Enoch is talked about in the

[56:03] Bible.

[56:03] >> Well, he is. Yes.

[56:05] So,

[56:08] um I do have something that you can look

[56:09] up that's fact that's actually really

[56:10] interesting in the Bible where it says

[56:13] in the beginning if you translate that

[56:14] to old pictograph ancient pictograph and

[56:18] then ancient

[56:18] >> Why do you think your household

[56:19] financial score is 0 to 10? Zero being

[56:21] the worst, 10 being the best. So is the

[56:23] score.

[56:24] >> Well, the the trans person was 2.5 and I

[56:27] feel like we're better than him her.

[56:30] >> So we're Yeah, the the

[56:32] >> I got your Hammer financial score. Get

[56:33] it for free at kaleammer.com. Just take

[56:34] the assessment. It just takes a few

[56:36] minutes and you can see where you stand.

[56:38] So take it for free. Link below

[56:40] caleb.com. And if you don't want to be

[56:41] like guests who end up on the show, make

[56:42] sure you download the NOS budgeting app.

[56:44] It is great. Tens of thousands of

[56:45] monthly active users for a reason. Check

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[56:56] >> Yay.

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[57:05] Okay. So, yeah, I mean you are right.

[57:07] It's mentioned in the standard Bible

[57:09] that most people say

[57:11] >> uh just in terms of like

[57:15] a person not necessarily doing much.

[57:19] >> There's only

[57:20] >> He went for a walk once.

[57:22] >> He was born once. He was the father of

[57:24] someone once. Okay. I mean, yeah, that

[57:27] that's pretty much it.

[57:30] Uh,

[57:32] >> I'm right. You're wrong.

[57:34] >> About what?

[57:35] >> About this.

[57:36] >> Okay.

[57:37] >> Well, you're the one trying to disprove

[57:38] me. I'm just letting you know.

[57:39] >> Not even that. Just bringing up context

[57:40] of like the timing of like the actual

[57:43] timing like time,

[57:45] >> just context of time. And if that

[57:47] doesn't even make you question

[57:48] something, that's that's a little

[57:49] concerning because the people like you

[57:51] are always like, I'm the open-minded

[57:53] person. I'm the one that's willing to

[57:54] consider anything. But the moment you

[57:55] hear something that actually challenges

[57:57] your conspiracy, it just But you need

[58:00] more context, too, because the

[58:02] >> just time. I just care about when it was

[58:03] written.

[58:03] >> Yeah. But you can't know the exact time

[58:05] because they've changed our calendar and

[58:06] our time.

[58:07] >> Oh, see that's how you can never have a

[58:10] conversation cuz no matter what, the

[58:11] world is fake. And if the world is fake,

[58:13] then you can you can never be right.

[58:15] >> No, legit.

[58:16] >> So, like it doesn't work. What time What

[58:18] year are we in now?

[58:19] >> Well, that part I don't know.

[58:20] >> Okay.

[58:21] >> I think it's like 2013.

[58:22] >> Does it even matter?

[58:23] >> Why does it even matter?

[58:24] >> Yes. If you're talking about this

[58:26] >> year is whenever we decided we started

[58:28] tracking

[58:29] the year is different in different

[58:30] count. It's different in China. It's

[58:32] different in North Korea. The year's

[58:33] different. Yes, it is.

[58:34] >> I know. But what you're saying is is

[58:36] it's true but inaccurate because if your

[58:38] timing makes no sense, bro. Because if

[58:41] your time if you're putting a timeline

[58:42] on something and your timeline changed

[58:45] halfway through.

[58:46] >> Okay. So, you don't trust her with money

[58:47] cuz she's

[58:48] >> No. Like, I understand. I get it.

[58:50] Listen, you Well, I wouldn't trust you

[58:52] with money either cuz you're the one

[58:53] late on the mortgage. But even still,

[58:54] it's just like you're not willing to

[58:56] combine cuz you don't trust her. We need

[58:57] to have a 13mon

[59:00] 13-month year with 28 days in each.

[59:02] >> Why? Why does it even matter?

[59:04] >> Because it fs with our time.

[59:06] >> Why does time even matter? That's my

[59:07] question.

[59:08] >> Hey, what?

[59:09] >> Because if you're going to if you're

[59:10] going to make facts, take like claim

[59:12] facts off of a timeline that isn't

[59:14] accurate. Then you can't make that fact

[59:16] claim to be fact.

[59:19] >> Oh my. I don't even know what to do with

[59:21] you. So yeah, you don't trust combining

[59:23] with her. I don't blame you. I don't

[59:25] trust combining that.

[59:26] >> Crazy.

[59:28] >> What is going on in the household

[59:30] finances right now? Guys, please tell

[59:32] me.

[59:33] >> Well, we did have a flood in our house.

[59:37] >> That was

[59:38] >> No, I'm talking about y'all's dynamic.

[59:41] >> For sake,

[59:41] >> I'll tell you what it is. She

[59:43] >> I'll tell you me, right? Me, I believe

[59:45] in have a little fun. Probably only here

[59:46] for so long. I get money every single

[59:48] month. Like, so I believe in living my

[59:49] life a little bit. Do a couple things I

[59:50] want to do.

[59:51] >> But you got kids, aren't they important?

[59:52] >> Kids to have what they need. They don't

[59:53] have to have what they want. They can

[59:55] have what they need, but need is a roof

[59:57] over your head. And if you're getting

[59:58] laid on mortgages,

[59:59] >> we ain't we ain't we ain't about to

[1:00:00] lose.

[1:00:00] >> It's only so long that it gets so close

[1:00:02] until it impacts your credit until it

[1:00:04] gets uh

[1:00:05] >> our our credit's impacted.

[1:00:06] >> My credit has been impacted for years.

[1:00:08] I'm I mean, honestly, credit is like the

[1:00:09] least of my worries right now.

[1:00:10] >> But people lose their houses every day.

[1:00:11] You're not in a unique position

[1:00:13] necessarily. You push it to that edge so

[1:00:15] many times, then they lose something

[1:00:16] they need. It's not about what they

[1:00:18] want.

[1:00:18] >> Yeah.

[1:00:19] >> But put it close push it closer and

[1:00:21] closer.

[1:00:22] >> True. I just I'll tell you this right

[1:00:23] now, man. I I Okay, I'll say this. I did

[1:00:26] make a mistake allowing us to go to

[1:00:27] Tennessee last year and skipping the

[1:00:28] mortgage one time, right? I'll say that.

[1:00:30] And right now,

[1:00:32] >> yeah, that's just what I decided to do

[1:00:33] cuz we want to go see family. That's

[1:00:34] what I did. I said, "Well, I said I'll

[1:00:35] push the mortgage from the first all the

[1:00:37] way about the I said, "Wait till I get

[1:00:38] paid again, right?" Cuz we weren't on

[1:00:39] track, right? We were. And then I I I

[1:00:41] basically skipped the month of the

[1:00:43] mortgage, right? So, I can pay at the

[1:00:44] end of the end of the month. So, the

[1:00:45] first month I said, "They're already

[1:00:46] taking it from us. Let me finish

[1:00:47] talking." Right? And so, um I did that.

[1:00:50] And when I did that, I just haven't made

[1:00:52] enough money ever made enough money

[1:00:53] again to catch up on that. So, I'm just

[1:00:54] buying because of that, honestly, for

[1:00:55] the most part.

[1:00:56] >> Guys, you know, finances are a leading

[1:00:58] cause for divorce in this country. And

[1:00:59] she loves getting divorced. So, this is

[1:01:02] >> I don't love getting I'm going to

[1:01:05] pretend that I didn't hear that. What

[1:01:07] did you just say?

[1:01:08] >> You like interrupt a lot. Every time

[1:01:09] I've talked, you just want to interrupt

[1:01:10] me when I'm talking.

[1:01:11] >> Well, so because part of it was

[1:01:12] Christmas like we had to get them

[1:01:14] Christmas stuff, but um I don't like

[1:01:17] that

[1:01:18] >> Sucks and that's expensive. Divorce is a

[1:01:20] >> You have a voice?

[1:01:21] >> No.

[1:01:22] >> Yes,

[1:01:23] >> I don't.

[1:01:24] >> I have one. I get real loud, too. But it

[1:01:26] offends her. So, it does. Wait. Well, I

[1:01:28] love when I hear someone say they don't

[1:01:29] have a voice and then the other person

[1:01:31] that controls them says they have a

[1:01:32] voice.

[1:01:32] >> Well, cuz he controls everything.

[1:01:34] >> She thinks she controls me, but I just

[1:01:35] do whatever the I want to for the

[1:01:36] most part.

[1:01:37] >> Oh, so you do have a voice then?

[1:01:38] >> Yeah, but it's quiet.

[1:01:39] >> It's not quiet.

[1:01:41] >> Have you met him?

[1:01:42] >> It's quiet.

[1:01:43] >> It's not quiet.

[1:01:43] >> Guys, you guys are on a 40-year

[1:01:45] mortgage. Nobody does that.

[1:01:47] >> Well, that's okay. So, yeah. I know

[1:01:49] you're right. Nobody does that until

[1:01:50] you're about to lose the house and then

[1:01:51] they offer that.

[1:01:52] >> So, you almost lost the house.

[1:01:53] >> I almost did. Yeah.

[1:01:54] >> See how close we are that we've almost

[1:01:55] lost the house and we have kids. We

[1:01:57] don't prioritize fun.

[1:01:59] >> Exactly. You don't do extra activities.

[1:02:01] You don't You don't I could go on and on

[1:02:03] about that one. But even for me, too.

[1:02:04] Like I'll say that for me. I'll start

[1:02:06] with me for Yeah, bro. Like I was a

[1:02:07] dumbass. I spent much money on some

[1:02:09] video games. I spent some money on

[1:02:10] >> Ask. Well, he can find out. Don't worry.

[1:02:13] I don't even know. So, like 2500 a

[1:02:15] month.

[1:02:16] >> Not a month. Get the out of here.

[1:02:17] It's not a month.

[1:02:19] >> I mean, yeah, our spending's in

[1:02:20] the thousands. It's it's it's insane.

[1:02:22] Just within a single

[1:02:23] >> getting your coffees, getting the

[1:02:24] snacks. That's where a lot of our money

[1:02:26] goes.

[1:02:26] >> He has this thing where anytime he goes

[1:02:28] to get gas, he has to get a little

[1:02:29] snacky snack.

[1:02:30] >> If I gave you the damn money to do it,

[1:02:32] you do it, too.

[1:02:32] >> No, cuz I don't like getting out of the

[1:02:34] car.

[1:02:34] >> Oh,

[1:02:35] >> So, and I usually Yeah, I know.

[1:02:36] >> That's where the juice.

[1:02:37] >> I don't like

[1:02:40] >> You're lying at your ass right now. Tell

[1:02:41] the truth.

[1:02:42] >> I am.

[1:02:43] >> You're not. I don't like candy because

[1:02:46] it has food dye in it.

[1:02:47] >> So you don't you don't spend money on

[1:02:48] at all ever.

[1:02:50] >> I love the taste of red dye.

[1:02:52] >> Well, it's gonna give you cancer. So

[1:02:54] >> I'm ready for it. At least I went down

[1:02:55] having fun.

[1:02:56] >> Well, I mean tomato tomato. That's what

[1:02:58] I'm saying.

[1:03:02] >> That makes no sense, bro.

[1:03:06] >> No, dude. Like

[1:03:07] >> um

[1:03:08] >> here's this is honestly like partially

[1:03:11] >> my real point of view I've had for the

[1:03:12] past couple years. I'm stubborn kind of

[1:03:14] But it's one of them deals

[1:03:15] where it's like,

[1:03:16] >> you know, if I and I know you're going

[1:03:18] to disagree with this, right? Probably.

[1:03:20] But my view is if it's not getting taken

[1:03:22] away and I can get it caught up later

[1:03:24] on, I didn't worry about missing it for

[1:03:27] a month, right? Cuz the time

[1:03:28] >> your loan though for the consequence.

[1:03:30] >> Say that again.

[1:03:31] >> The consequence is you're on a 40-year

[1:03:33] loan now.

[1:03:33] >> That Yeah, that was a big mistake.

[1:03:34] >> At a 6.25% interest.

[1:03:36] >> I haven't let that happen since though.

[1:03:37] I'm not going to.

[1:03:38] >> Oh, you didn't get on a new 40-year loan

[1:03:39] since

[1:03:40] >> No, no, no, no,

[1:03:41] is I'm not going to get behind damn near

[1:03:43] 30 grand on my mortgage before they

[1:03:44] tried to take it. That's what

[1:03:45] >> How far behind were you?

[1:03:47] >> We were couple months a couple months.

[1:03:49] Well, I think it was only like what? So,

[1:03:50] it's 4,000 damn near 4,000 a month

[1:03:52] before 2 months plus fees.

[1:03:54] >> 2 and a half plus fees. Yeah. Something

[1:03:56] like that.

[1:03:56] >> Hey, your regular monthly is $3,790.

[1:03:59] >> Yeah. But I want to throw this out

[1:04:01] there. I want to throw this out there.

[1:04:02] that's about to go down to that's going

[1:04:04] to decrease $1,000 because so when I

[1:04:07] signed for the house, right, I don't I

[1:04:09] don't I'm not supposed to pay property

[1:04:10] taxes, right? They never told me I

[1:04:13] wasn't aware that you have to go and

[1:04:15] apply for the exemption. I thought it

[1:04:16] was just added into your mortgage. I had

[1:04:18] no one ever told me

[1:04:19] >> don't you owe the HOA like 6,000 bucks.

[1:04:21] >> Well, that is very true. Yes.

[1:04:22] >> And you know, they can

[1:04:24] >> People have lost their houses for not

[1:04:26] paying

[1:04:26] >> and I wasn't aware of that either. Like

[1:04:27] honestly, so first two years

[1:04:29] >> that we lived there, this is all on me

[1:04:31] because she didn't really give a

[1:04:32] And honestly,

[1:04:33] >> I did give a

[1:04:34] >> If you're at home all day, why can't you

[1:04:36] deal with some She don't want to.

[1:04:38] Don't

[1:04:39] >> No, I

[1:04:40] >> don't

[1:04:40] >> I he told me he was paying it monthly

[1:04:42] cuz it would only be like $170 monthly.

[1:04:44] And then I couldn't get into the pool

[1:04:46] and or no, the gym there. We have a gym

[1:04:48] and I couldn't get in and I went and

[1:04:49] talked to them. They're like, "Oh, you

[1:04:50] guys are behind." And I was like, the

[1:04:52] >> I was unaware because you had to pay the

[1:04:55] separately when I was signing up

[1:04:56] for the house. I've never bought a house

[1:04:58] before. I was into all this I just

[1:04:59] didn't think to think to look into it. I

[1:05:02] I don't know. I just didn't think about

[1:05:02] it, right? And so I thought HOAs, all

[1:05:05] that was tied into it, right?

[1:05:07] Obviously, it wasn't. So then about a

[1:05:08] year and a half later, almost two, you

[1:05:11] know, hey, bro, like you're behind like

[1:05:13] five grand. Need our money, right? And I

[1:05:14] was like, what the I thought you been

[1:05:16] taking out the whole time. No, it's just

[1:05:17] >> your car's not even registered. You owe

[1:05:19] $1,600 there. I just don't think you

[1:05:21] guys do anything.

[1:05:22] >> Well, on that one, so listen, there's no

[1:05:24] story on that, right? I always have a

[1:05:25] story. I know. But so when I bought my

[1:05:27] first car, right, it was in Texas,

[1:05:29] right? Tax, titles, fees, laws, all that

[1:05:31] was included in the deal, right? That's

[1:05:32] how they do it in Texas, right? Um

[1:05:34] >> or Oklahoma.

[1:05:35] >> Oklahoma's different and so was

[1:05:36] Arkansas. And so when I had to buy this

[1:05:39] car, the car I was driving at the at one

[1:05:41] point was paid off, but I'd wrecked it,

[1:05:42] missing a whole half the car was

[1:05:44] gone, whatever, right? Um had to go get

[1:05:47] this car. was the only thing they had on

[1:05:48] the lot for me supposedly. And so when I

[1:05:50] bought it, I had never had to pay TTNL,

[1:05:54] right? And they didn't tell me to do

[1:05:56] this when I left. So I just didn't think

[1:05:57] about it. I had no idea. Uh and then

[1:06:00] when it comes to the tag on the uh the

[1:06:02] car, right, they told me, "Yeah, just

[1:06:03] transfer your

[1:06:04] >> Just pay it. Just pay it. You guys make

[1:06:06] money. Just pay it."

[1:06:07] >> We can't because he's spending it on

[1:06:08] eating out and baseball.

[1:06:10] >> Yes. You spend $1,000 more than $1,000.

[1:06:12] >> We know. That's the thing.

[1:06:13] >> Okay. But we do now. We do now though.

[1:06:15] We know the HOA. We know the car thing.

[1:06:17] You guys spent thousands on

[1:06:18] last month.

[1:06:19] >> Yes.

[1:06:20] >> Thousands. So just pay it, guys. Come

[1:06:22] on.

[1:06:22] >> What's the best?

[1:06:23] >> That's the plan now.

[1:06:24] >> Capital One. Who has this?

[1:06:26] >> She's got all the debt.

[1:06:27] >> Okay. Really?

[1:06:29] >> Straight.

[1:06:29] >> Wait, but you don't even make money. Why

[1:06:31] are you the one going into debt?

[1:06:32] >> This is like before.

[1:06:34] >> No, it's now. You spent on this now.

[1:06:37] Last month you spent on this. And

[1:06:39] listen, you pay it relatively down, but

[1:06:40] not enough to make it not acrewing

[1:06:42] interest. And also, it was Hey, she had

[1:06:45] a pass due fee. So, I thought you were

[1:06:47] getting on his ass for not paying

[1:06:48] on time, but you were

[1:06:49] >> pass

[1:06:50] I was paying it and then I stopped um

[1:06:53] getting money. So,

[1:06:55] >> from what?

[1:06:56] >> So, I was using So, I was using that and

[1:06:59] like

[1:06:59] >> No, from child support.

[1:07:02] >> Why'd you stop getting child support?

[1:07:03] >> Because he decided to stop paying it

[1:07:05] because he's trying to make it to where

[1:07:06] I can't pay for my

[1:07:07] >> attorney. Deal with that.

[1:07:09] >> So, but what I'm saying is like I was

[1:07:10] pay trying to get my credit back up so I

[1:07:12] can lower my car payment and

[1:07:13] >> credit back up. So you're spending it on

[1:07:15] Chick-fil-A Chick-fil-A McDonald's

[1:07:17] and This is It's all

[1:07:19] You and interest is acrewing

[1:07:22] like you're not even just paying it off.

[1:07:24] >> But I was because you're supposed to pay

[1:07:25] it down to like 30%.

[1:07:26] >> NO, NO,

[1:07:28] NO. IT'S YOU don't keep it above 30%. Or

[1:07:31] else if you dude, my credit's better

[1:07:33] than your credit's ever been. And I've

[1:07:35] never had interest acrew once on a

[1:07:36] credit card.

[1:07:36] >> But it's only like $30.

[1:07:37] >> Doesn't matter. Doesn't matter. I've

[1:07:39] never had interest acrew once on a

[1:07:40] credit card.

[1:07:40] >> $30. So you spend like cuz it's like

[1:07:44] $600.

[1:07:45] >> Yeah.

[1:07:46] >> Yes.

[1:07:46] >> No. Well, between two.

[1:07:48] >> Yeah. No, between this card.

[1:07:50] >> Well, then this card you spent $534.89.

[1:07:53] >> That's not recent.

[1:07:54] >> Oh, yes it is.

[1:07:56] >> That's not because I only had a

[1:07:57] >> month ago. One month ago. This was last

[1:07:59] month. A credit card a month ago. No.

[1:08:01] >> No. I It was a It was only

[1:08:04] >> Yes, it's $300. But since you put a

[1:08:06] little extra towards it, you were able

[1:08:07] to spend more.

[1:08:08] >> I didn't put What? Yes, you put 460

[1:08:11] towards it. MAYBE IT IS. I ASKED YOU WHO

[1:08:13] IT IS. YOU SAID it's yours.

[1:08:14] >> Listen, dog. I I Hey, It is a

[1:08:17] $300 limit.

[1:08:18] >> I ain't using credit card.

[1:08:19] >> It is. But since you put to It is yours.

[1:08:21] I'm being confirmed that it is yours.

[1:08:23] >> Okay. How are you being confirmed?

[1:08:24] >> Lindsay's telling me.

[1:08:25] >> Oh, how? Cuz she's Oh,

[1:08:28] >> I have an iPad.

[1:08:30] >> Technology. It's not all a conspiracy.

[1:08:32] >> I haven't used a credit card in a long

[1:08:33] time.

[1:08:33] >> You see,

[1:08:36] >> and what is it for? Chick-fil-A.

[1:08:38] Chick-fil-A. McDonald's. Dude, if you're

[1:08:40] conspiracyrained and you won't have red

[1:08:41] dye, you'll put McDonald's in your body.

[1:08:44] >> I think that makes sense. I've gotten a

[1:08:46] lot I've gotten a lot better because I

[1:08:48] need cheaper food. So,

[1:08:49] >> McDonald's isn't cheaper food.

[1:08:51] >> It is though, actually.

[1:08:52] >> Compared to like all the fast food these

[1:08:54] days,

[1:08:55] >> it's cheap,

[1:08:56] >> dude. Taco Bell's cheaper. That's pretty

[1:08:58] much it.

[1:08:58] >> IT'S NOT THOUGH.

[1:09:00] >> YOU DON'T know cuz we spent 40 bucks

[1:09:02] last night for two people.

[1:09:04] >> Yeah, we spent $40.

[1:09:06] >> That's what that cost.

[1:09:09] expensive as hell to eat out.

[1:09:10] >> Same pass through. You're You guys are a

[1:09:12] nuisance.

[1:09:13] >> I know. Well, and I get it from my mom.

[1:09:15] She doesn't like to cook.

[1:09:16] >> Shut the up. Be your own adult.

[1:09:18] >> I don't LIKE TO COOK.

[1:09:19] >> VISA. WHO SAYS THIS?

[1:09:21] >> I don't know if that's mine or I don't

[1:09:23] know. How much is it?

[1:09:25] >> Um uh the limit's 300, but the balance

[1:09:30] is 537

[1:09:32] cents. What the are we doing? Why?

[1:09:34] >> I don't know if it's mine or not. I

[1:09:35] can't tell you.

[1:09:36] >> Sick. How do we not even know who's is

[1:09:38] whose guys?

[1:09:39] >> Cuz I wasn't aware of how many credit

[1:09:40] cards she had till yesterday or passed

[1:09:42] due. I didn't know this at

[1:09:44] all.

[1:09:44] >> How have you guys not had one

[1:09:46] conversation?

[1:09:46] >> Because supposedly she doesn't have any

[1:09:48] money. Has no credit cards and no money.

[1:09:49] Tells me all the time she says that you

[1:09:50] lie.

[1:09:50] >> I don't have any. I didn't lie.

[1:09:52] >> That's against your faith.

[1:09:53] >> First off, I did not lie.

[1:09:55] >> You ain't told me about no credit

[1:09:56] cards that you

[1:09:57] >> Secondly, no. I've told you.

[1:09:58] >> Or you'll get them in. You'll hide them

[1:10:00] from me and not tell me about it.

[1:10:01] >> So I don't ask to use it. That's exactly

[1:10:03] what the happens.

[1:10:04] >> No.

[1:10:05] >> Yes. Your minimum is 27807. That's not

[1:10:07] your normal minimum, but that's what's

[1:10:08] due because you're over the limit. It's

[1:10:10] probably like $30 normally.

[1:10:11] >> Well, and they shut it off.

[1:10:14] >> Well, they should. Thank goodness.

[1:10:15] >> None of mine are shut off. So, that

[1:10:17] thing's canceled. They

[1:10:18] >> I'm not seeing it as closed. If you you

[1:10:20] don't even know what card this is. You

[1:10:21] couldn't even decide whose it is.

[1:10:22] >> Well, that's his.

[1:10:24] >> How do you know?

[1:10:25] >> Well, you just said this.

[1:10:26] >> No, he just said it was his.

[1:10:27] >> I don't know if I have a Visa.

[1:10:29] >> I'm pretty sure I don't. I'm almost

[1:10:31] positive I don't.

[1:10:32] >> You Okay, it's yours. I'm being told it

[1:10:34] is yours. Okay, cool. All right. I mean,

[1:10:36] I heard the 500 mark

[1:10:37] >> monthly service fee, late payment fee,

[1:10:39] interest being charged, and your account

[1:10:41] is currently closed.

[1:10:42] >> That one. Okay.

[1:10:45] >> That's what happens when we just don't

[1:10:46] touch We don't pay attention,

[1:10:47] guys. This is a disaster. Indigo.

[1:10:51] >> That's mine.

[1:10:51] >> Oh, thank we. We know. We're

[1:10:56] >> Yeah.

[1:10:57] >> Okay. Well, you owe uh on a $500 credit

[1:11:01] limit $96,520.

[1:11:03] Why do military people just suck at

[1:11:05] credit cards?

[1:11:05] >> I don't know, man.

[1:11:07] >> Especially when you're getting like

[1:11:08] unlimited money for the rest of your

[1:11:09] life. Why? Why make this like No,

[1:11:14] listen. Well, that is a fact. Kind of.

[1:11:16] Sort of. Kind of, right? But I will say

[1:11:18] this. There was a point in time I

[1:11:19] applied for a bunch of credit cards all

[1:11:20] around the same time, right? And I was

[1:11:22] out of a job. So, we used a lot of this

[1:11:24] stuff just to kind of buy what we needed

[1:11:25] and also what we wanted around that

[1:11:27] time. Well, I don't think that was

[1:11:28] around Christmas. I think that was a

[1:11:30] different time.

[1:11:30] >> No, this is the balance as of last

[1:11:32] month, guys. That's what I'm saying. I

[1:11:33] haven't used that card or

[1:11:35] >> you can't. You're double the limit.

[1:11:36] >> I haven't paid anything on it in

[1:11:38] probably a hot minute. So

[1:11:40] >> yeah, it's a $88 minimum. I mean, you

[1:11:42] still before it go to collections, you

[1:11:44] may as well do this.

[1:11:45] >> But doesn't it fall off when it goes to

[1:11:46] collections?

[1:11:46] >> I mean, you were blaming to Lindsay

[1:11:48] having a 200 having a job making

[1:11:49] $200,000 a year is why you have bad

[1:11:51] money. Like what the

[1:11:52] >> Well, you said what?

[1:11:53] >> Huh?

[1:11:53] >> You were blaming having a job making

[1:11:56] $200,000 on why you're bad with money.

[1:12:00] >> I'm being told.

[1:12:01] >> Well, okay. In a sense, yes. Cuz when I

[1:12:03] did have those cards, that's when I was

[1:12:04] working at Lifetime and at when I was so

[1:12:06] I was using the money or I was using the

[1:12:07] cards, right? And I when I switched jobs

[1:12:09] from Lifetime,

[1:12:10] >> why would you do that? Go make more

[1:12:11] money

[1:12:12] >> because well, I haven't I I don't really

[1:12:14] want to go back there. I don't think I

[1:12:16] think the clientele has kind of died

[1:12:17] down, right? But anyway,

[1:12:19] >> I moved on a different job. They had a

[1:12:20] guaranteed salary of like 80 grand,

[1:12:21] right? At the time, I was making more

[1:12:23] than that, but I was okay. That sounds

[1:12:24] like a guaranteed money. I was I'm doing

[1:12:26] the same thing anyway, except for my

[1:12:27] manager, blah blah blah. And then that

[1:12:29] job literally went out of business, bro.

[1:12:30] Like a month after I joined them. They

[1:12:32] just they just shut down shop, left,

[1:12:34] whatever. Then I was out of a job again.

[1:12:35] >> Go back to Lifetime.

[1:12:37] >> Uh they wouldn't they So when you when

[1:12:38] you leave Lifetime, No. When you leave

[1:12:40] Lifetime, you can't go back for 60 days.

[1:12:42] Not a job or even attend the gym for

[1:12:44] like two months. So

[1:12:46] >> that's why they didn't go back. That's

[1:12:47] like their little policy or whatever.

[1:12:48] But

[1:12:49] >> Okay. Well, you're getting fees, fees,

[1:12:50] fees. Late late. Just be an adult and

[1:12:53] pay it, dude. Like I don't know what to

[1:12:54] tell you. Just being a adult.

[1:12:55] >> Well, that's why we're here.

[1:12:56] >> Oh, that's why you're here. You could

[1:12:57] pay the card. You guys make good money.

[1:12:59] >> Yeah, I just choose not to. Low key.

[1:13:00] >> Exactly. And in high key, we need to

[1:13:03] >> Milestone. What's going on? Who's is

[1:13:05] this?

[1:13:05] >> That's mine.

[1:13:07] >> I got a couple that are pretty high.

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[1:15:01] work.

[1:15:04] >> Yeah, but these are still all in decent

[1:15:06] standing. They can't they're not being

[1:15:08] charged.

[1:15:08] >> It's double the limit again. Over double

[1:15:10] the limit. Got to pay them. or not.

[1:15:12] >> $64763

[1:15:14] $85 minimum payment. Again, it's over

[1:15:16] with fees and It's so stupid

[1:15:18] cuz these are balances that you could

[1:15:19] pay off like this with your income, but

[1:15:20] you just spend all your money on

[1:15:22] >> Yeah.

[1:15:22] >> So, it doesn't matter. Credit Capital

[1:15:25] One Capital One Platinum.

[1:15:26] >> That could be more me or her. I think

[1:15:27] that's mine though.

[1:15:28] >> Well, it's app maxed out and money is

[1:15:30] being spent. Do you spend on a credit

[1:15:31] card? Cuz if you do, $5166

[1:15:34] was spent on this.

[1:15:35] >> I don't spend money on any.

[1:15:36] >> So, it has to be you.

[1:15:37] >> I haven't spent money on a credit card.

[1:15:39] >> Oh my. Come on. I just Unless you see it

[1:15:41] on that first card we looked at.

[1:15:42] >> Well, unless it's something that's a

[1:15:43] recurring payment that's trying to come

[1:15:45] out, then I haven't like all the

[1:15:46] Chick-fil-A McDonald's that I saw was

[1:15:48] being spent on that first credit card

[1:15:49] was not you.

[1:15:50] >> Not recently. No.

[1:15:51] >> What? But that was last month, April.

[1:15:53] >> Well,

[1:15:53] >> you be telling me you ain't no damn

[1:15:55] money or anything.

[1:15:56] >> Spent anything in April.

[1:15:57] >> You can't even agree who's going to

[1:15:58] Chick-fil-A and McDonald's.

[1:15:59] tell me.

[1:16:00] >> Well, no, because I don't Chick-fil-A

[1:16:02] and McDonald's

[1:16:03] >> every once in a while. Yes. I don't go

[1:16:05] to McDonald's. that. I don't go to

[1:16:06] McDonald's. that.

[1:16:07] >> Oh, it is you then.

[1:16:09] SO YOU DO SPEND on a credit card and

[1:16:10] that was last month. You can't tell me

[1:16:12] you're not.

[1:16:12] >> He's literally seen them. Like I don't

[1:16:14] even have them in my wallet. REMEMBER

[1:16:15] LIKE

[1:16:16] >> BROTHER, IT WAS THE FIRST STATEMENT. You

[1:16:18] can see it yourself. You actually

[1:16:21] >> see it though because I don't

[1:16:23] >> Here you go.

[1:16:27] >> I don't know what to tell you.

[1:16:28] >> See, it says returned cuz like nothing.

[1:16:31] >> No, your payment was returned. You

[1:16:32] pathetic worm.

[1:16:34] >> Not Not this right here.

[1:16:35] >> My payment was returned. Yes, because

[1:16:38] you didn't have enough money in your

[1:16:39] checking account when the payment was

[1:16:40] made.

[1:16:40] >> April April 2nd.

[1:16:42] >> Oh that was returned. That's not

[1:16:44] good.

[1:16:45] >> That's why you had a link fee.

[1:16:47] >> That's not good. Cuz that was to

[1:16:48] something that I'm going to have to call

[1:16:50] her. When was that called her? Good

[1:16:52] luck. Who's her, dude?

[1:16:53] >> What do you mean? Was it something? See,

[1:16:54] this is I don't know about.

[1:16:55] >> $298.35

[1:16:57] with a $25 minimum payment on this card.

[1:16:59] >> I gave you the money for

[1:17:00] >> And guess what? Hey, we don't spend on A

[1:17:02] CREDIT CARD. WELL, YOU HAVE THE DOOR

[1:17:04] DASH AND PANDA EXPRESS. That was me for

[1:17:07] sure.

[1:17:07] >> Okay, so you spent on this and yes, you

[1:17:09] have the reoccurring Netflix, but you

[1:17:11] also Door Dashed old.

[1:17:13] >> Nah, I don't know. Dash Pash and Apple

[1:17:15] Bill $30.79.

[1:17:17] Who knows? And then Amazon, Amazon,

[1:17:19] Amazon Amazon Amazon Amazon Amazon

[1:17:21] Amazon, Apple. Apple bill.

[1:17:23] >> That's hor.

[1:17:23] >> So you have it. You autod do it. Show me

[1:17:26] your Amazon.

[1:17:27] >> That's yours.

[1:17:28] >> Open that phone.

[1:17:30] >> So Amazon COULD

[1:17:31] >> AMAZON. YEAH, it's you spending stuff.

[1:17:34] >> I don't give a You were doing it.

[1:17:35] Shut the up. School stuff in the

[1:17:37] middle of Gary fall the the spring

[1:17:40] semester.

[1:17:42] >> Yeah, we spend

[1:17:43] >> Are you planning for fall?

[1:17:44] >> Home school

[1:17:45] >> And that that is an intense Apple bill

[1:17:48] of $30.

[1:17:49] >> Probably multiple accounts that she has

[1:17:51] that she doesn't track anymore, so they

[1:17:52] charge the damn things.

[1:17:53] >> So you can Yeah.

[1:17:55] >> Which means she's restarted accounts

[1:17:57] over and over and over.

[1:17:58] >> Trust me, I'm going to be looking

[1:17:58] through both y'all's phones here in a

[1:18:00] bit.

[1:18:01] >> That's hers.

[1:18:02] >> That's mine. So like my daughter needed

[1:18:05] shoes. I got her shoes.

[1:18:06] >> I don't spend on credit cards. Amazon.

[1:18:09] Amazon. Amazon. Amazon. Amazon. Amazon.

[1:18:11] >> But look, it's all kids stuff.

[1:18:13] >> Give. You're still spending it as money

[1:18:15] going out.

[1:18:16] >> Yeah.

[1:18:16] >> That doesn't Just because it's kids.

[1:18:18] Hey, just because things are kids

[1:18:20] doesn't mean it's all good.

[1:18:22] >> Why are we screaming for anything for

[1:18:23] the kid is absolutely

[1:18:24] >> for the audience?

[1:18:26] >> Ow. Dog quit.

[1:18:27] >> Okay. First of all, this isn't for kids.

[1:18:29] Uh, detox Z.

[1:18:30] >> Yeah. Well, those shouldn't. Those are I

[1:18:32] usually cancel those.

[1:18:34] >> Okay. No, they're arriving. They're not.

[1:18:35] I need to cancel that because I didn't

[1:18:37] dress that. No, it's right now. And

[1:18:40] you're not even wearing it.

[1:18:41] >> I know because I did that

[1:18:43] >> for the show.

[1:18:44] >> Site words, a calendar.

[1:18:46] >> When I got paid,

[1:18:48] focus test prep. Okay, that one's

[1:18:50] actually fair. A notebook. Yeah.

[1:18:52] Swimsuit.

[1:18:53] >> You got leosi sexy tie criss cross

[1:18:56] plunge. And then another bathing suit

[1:18:59] for yourself. So no, this is all not

[1:19:00] necessities. This this inflatable thing

[1:19:02] is not a necessity.

[1:19:05] So like

[1:19:07] all the isn't like do you need all

[1:19:09] this? No. Is it nice? Yes.

[1:19:11] >> See school stuff.

[1:19:12] >> Not all of it though. You pathetic.

[1:19:14] >> Yes. I've got four kids.

[1:19:16] >> No, it's not all this.

[1:19:18] >> Only two of them really

[1:19:18] >> childproof. That's fine.

[1:19:21] >> 21 things in your cart.

[1:19:22] >> Oh, well that's just like stuff I don't

[1:19:25] she might want. Yeah. Like uh

[1:19:28] around your

[1:19:29] >> Those are rings.

[1:19:30] >> Uh-huh. Rings.

[1:19:31] >> And my daughter's birthday's coming up,

[1:19:32] so like she wants that stuff.

[1:19:34] >> We need rings. I wanted to add a stack.

[1:19:37] >> A complete Ethiopian Bible

[1:19:39] >> for kids.

[1:19:40] >> Oh,

[1:19:46] I mean, yeah, you spend so much money.

[1:19:48] >> I know. But he But but

[1:19:50] >> but what

[1:19:52] >> why do you what are you doing at home?

[1:19:54] How much is added up from Amazon?

[1:19:56] >> Schooling your kids all day.

[1:19:58] >> Yeah.

[1:19:58] >> Okay.

[1:19:59] >> And then I go to work.

[1:20:00] >> Do you have to do any of the house

[1:20:01] chores?

[1:20:02] >> No.

[1:20:03] >> That's good.

[1:20:03] >> When I'm home, yes, I do. No, he does

[1:20:04] not.

[1:20:05] >> Oh, what? What does she make you do?

[1:20:07] >> What does she make you do?

[1:20:08] >> I pick up Well, let me rephrase. I'm

[1:20:10] getting trouble. I pick up our mess. I

[1:20:12] do the dishes. You don't touch the

[1:20:13] trash. I take the damn

[1:20:15] trash out to the curb everywhere else.

[1:20:17] Right. But I touch the dishes though,

[1:20:19] right? That's a woman's job, right?

[1:20:20] Supposedly.

[1:20:21] >> Sometimes you do.

[1:20:22] >> Sometimes whatever you guys decide. It

[1:20:24] stacks up for a week straight. Yeah.

[1:20:25] Then I

[1:20:26] >> It doesn't stack up for a week.

[1:20:27] >> I help you. Don't Don't play

[1:20:28] >> sometimes.

[1:20:29] >> Don't play.

[1:20:30] >> Then why are you on your phone for eight

[1:20:31] hours a day on average?

[1:20:32] >> Cuz this their school

[1:20:34] >> school actually is on fire.

[1:20:35] >> Well, good news. It will in fact tell me

[1:20:37] exactly what you're doing.

[1:20:38] >> Yeah. Go look at Facebook real quick.

[1:20:40] Actually, no. Go to Tik Tok.

[1:20:42] >> Look on that

[1:20:45] >> Yeah. So, last week it was uh 17 hours

[1:20:48] on HBO.

[1:20:49] >> Oh, well, I do watch TV.

[1:20:51] >> You watch the same show. watch the same

[1:20:53] hours.

[1:20:54] >> Yeah, I go to bed and I fall asleep

[1:20:55] >> on Facebook 12 hours. Texting on Who are

[1:20:58] you texting on message for 10 hours a

[1:21:01] week?

[1:21:02] >> Yeah. And my mom.

[1:21:04] >> Okay, we'll go through those in the post

[1:21:06] show.

[1:21:07] >> Apple Maps for 8 hours. Okay. But that's

[1:21:10] probably the thing. But Instagram for 6

[1:21:12] hours, GPT 3 hours, YouTube 5 hours.

[1:21:15] >> Mhm.

[1:21:15] >> Uh I didn't see any school things.

[1:21:18] >> Well, like YouTube. So why is he doing

[1:21:20] chores if you're working on if you just

[1:21:22] are on HBO?

[1:21:24] >> I I'm well he's not home kind of right

[1:21:26] now.

[1:21:27] >> I'm home a week on a week off right now

[1:21:30] >> and before it was only on the weekend.

[1:21:33] >> Yes, I am I am away quite a bit right

[1:21:34] now. But

[1:21:35] >> we will be going through things later

[1:21:39] deeper in the post show.

[1:21:40] >> Man, I tell you what though. You don't

[1:21:41] piss me off though. You don't tell me

[1:21:42] I'm wasting money and Oh, now

[1:21:44] there's more McDonald's uh HTTO in

[1:21:47] Amazon.

[1:21:48] >> You eat out too much. But here we are

[1:21:50] with McDonald's and all kinds of

[1:21:51] >> Uhhuh. and fees and interest and

[1:21:52] >> but I'm the though.

[1:21:54] >> What am I looking at with this credit

[1:21:55] karma? This is insane. This is

[1:21:56] ownership.

[1:21:58] >> Let me see that real quick.

[1:21:59] >> Okay, so you have one main but that was

[1:22:00] closed cuz you probably didn't do

[1:22:01] anything right?

[1:22:02] >> Yeah, actually I pulled it out. I never

[1:22:03] paid him a dime. So

[1:22:05] >> Huh.

[1:22:06] >> pulled it out and I never paid him a

[1:22:08] dime. So

[1:22:09] >> Okay. Does that not feel morally wrong

[1:22:12] for you? especially as a Christian.

[1:22:14] >> At the time it was needed. It was like a

[1:22:16] must.

[1:22:16] >> They can still pay for it

[1:22:20] >> line,

[1:22:22] >> but I choose to do things. See, I have a

[1:22:24] bit of an impulse control problem. I

[1:22:26] would say honestly, that's my biggest

[1:22:28] issue.

[1:22:28] >> I love coping mechanisms then.

[1:22:31] >> Well, I mean, if you want to dig in now,

[1:22:32] this I'm not saying it's an excuse by

[1:22:34] any means, right? But for a while, I've

[1:22:36] got what's called what do I have? Um,

[1:22:38] I've had BPD, right? And so for a long

[1:22:40] time I didn't realize this and now I'm

[1:22:41] taking medication for it. It's helped a

[1:22:43] lot.

[1:22:43] >> That's good. So

[1:22:44] >> happy to hear that.

[1:22:45] >> Yeah.

[1:22:45] >> Uh Nebraska furnace I think. And uh pay

[1:22:50] >> per pay 967.

[1:22:52] >> I bought a trampoline with that one.

[1:22:53] >> And then you never paid for it. That's

[1:22:55] great. And then furnace.

[1:22:57] >> Never did, bro. I never paid for,346.

[1:23:00] >> I don't need credit right now. I don't

[1:23:01] give a for credit.

[1:23:02] >> Yeah, but it is still you received the

[1:23:04] product and didn't pay for it.

[1:23:05] >> That could be moralistically wrong. But

[1:23:07] guess what? You got so much stuff. Okay,

[1:23:08] here's my view on that too, bro. I've

[1:23:10] been business owner before. Every

[1:23:11] company makes so much damn money.

[1:23:13] >> You've been what?

[1:23:13] >> A business owner before. Sorry, I know

[1:23:15] it's not a damn but goofy. What do you

[1:23:17] want to call me? Whatever. Right. But

[1:23:19] I've owned a business before. I know

[1:23:20] what profit margins are and I do

[1:23:21] it even right now, bro. They're they're

[1:23:22] most people's profit margins are

[1:23:24] astronomical.

[1:23:25] >> No, it depends on a grocery store is 1%.

[1:23:28] >> But it depends what you're doing. I

[1:23:30] mean, ours our roofing is over. Grocery

[1:23:32] >> stores closed all the time.

[1:23:34] What do

[1:23:34] >> you mean? Like even Walmart's closed.

[1:23:37] No, no, no. I'm saying like

[1:23:39] >> the amount of people that come in there,

[1:23:41] they they can take that little bit of a

[1:23:42] hit because they're they're producing so

[1:23:44] much. They're that has nothing to do

[1:23:46] with

[1:23:46] >> So steal. You're okay with it?

[1:23:48] >> No.

[1:23:49] >> The Christian man.

[1:23:51] >> I'm not going to say what I did was

[1:23:52] right by any means. No, I'm not going to

[1:23:54] say that.

[1:23:54] >> Okay. Why don't you pay for it today?

[1:23:57] >> You got the money today. That's for damn

[1:23:58] sure. But

[1:23:59] >> yes, you do.

[1:24:00] >> I don't.

[1:24:00] >> Yes. You guys bring in $1,36.

[1:24:03] >> Bring in more than that.

[1:24:04] >> Huh?

[1:24:04] >> How do we bring in more usually than

[1:24:05] that? Usually you bring $1,000 a month.

[1:24:09] My sales can differ. Plus, he paid child

[1:24:10] support last month, so that should be

[1:24:12] coming in. Okay, he's going

[1:24:14] >> adding a thousand for her and then

[1:24:15] hopefully

[1:24:16] >> money should be coming in. That money

[1:24:17] should be coming.

[1:24:18] >> It should be and I hope you guys deal

[1:24:19] with it, but uh sorry, it was a Nebraska

[1:24:21] furniture mark and then you didn't pay

[1:24:23] for it when we first bought that.

[1:24:24] >> Uh a firm 2346, but it needs attention.

[1:24:28] >> I can't remember what I use that for to

[1:24:29] be honest with you.

[1:24:30] >> Yeah, it's been charged off. It's

[1:24:31] already in collection.

[1:24:32] >> No, no idea. Well, how come like it says

[1:24:35] charged off when I go to collections?

[1:24:37] Like those aren't in the collections.

[1:24:39] >> Oh, maybe this one hasn't been yet. But

[1:24:41] oh, an additional affirm also charged

[1:24:43] off 2011.

[1:24:45] >> Yeah, that was for uh

[1:24:46] >> same with credit one.

[1:24:48] >> Like 1,478.

[1:24:51] >> But a lot of these

[1:24:52] >> never lend to this man ever again. Hey,

[1:24:54] when you're ready to get back into the

[1:24:56] since you spent all your time on the

[1:24:57] phone and you want to actually provide

[1:24:58] to society and get a job, I'll get you a

[1:25:01] course career certification so you can

[1:25:03] get back out there.

[1:25:04] >> Oh, discover card. This one's actually

[1:25:06] Nope. This is charged off.

[1:25:07] >> She's about to go to school soon anyway.

[1:25:09] >> I am

[1:25:09] >> for

[1:25:10] >> um to be a parallegal.

[1:25:14] >> Who's going to take you seriously?

[1:25:16] >> A lot of people take me seriously.

[1:25:18] >> Incorrect. first

[1:25:21] first credit 7 or 2,100 and it's just I

[1:25:25] just keep going through it. You're just

[1:25:26] accumulating tens of thousands of

[1:25:28] dollars of

[1:25:29] >> they're not in collections yet. They're

[1:25:30] just

[1:25:31] off.

[1:25:32] >> I don't know.

[1:25:33] >> Oh, student loans. Who has all the

[1:25:34] student loans?

[1:25:35] >> That would be me.

[1:25:36] >> Okay. Well, then yeah, that was your

[1:25:37] collection.

[1:25:38] >> Mine are all paid off. So,

[1:25:39] >> well, see, there was a miscommunication.

[1:25:42] I thought my grandma was going to be

[1:25:43] paying for my like my schooling.

[1:25:46] >> Well, she isn't. So, what the do

[1:25:47] you want?

[1:25:48] >> Yeah. So, and then it got put on hold.

[1:25:51] >> Deferred.

[1:25:52] >> Yeah.

[1:25:52] >> Okay. So, student

[1:25:56] Well, you also your grandma money I see

[1:25:57] is coming up soon, so we'll figure that

[1:25:59] out.

[1:25:59] >> Well, she'll get it when she gets it.

[1:26:01] >> Okay.

[1:26:02] >> That's not true.

[1:26:03] >> Well, kind of. 9,854

[1:26:06] for student loans. Are you making

[1:26:08] minimums?

[1:26:08] >> No, cuz they had stopped the payment.

[1:26:10] They just started up again.

[1:26:11] >> Good. How much?

[1:26:12] >> I don't know,

[1:26:14] >> brother. Why,

[1:26:15] >> sister? because I didn't I haven't

[1:26:17] called yet.

[1:26:17] >> I'm going to assume it's like a hundred.

[1:26:19] >> Okay.

[1:26:20] >> What the is wrong with you? Pay

[1:26:21] your

[1:26:22] >> Yeah.

[1:26:23] >> What is wrong with you people? Aren't

[1:26:24] you supposed to be the morally

[1:26:25] responsible ones?

[1:26:26] >> Well, see that's the thing is we we are

[1:26:29] sinners by nature and we're trying which

[1:26:31] is why we're here.

[1:26:32] >> You're what?

[1:26:32] >> We're sinners by nature.

[1:26:34] >> Well, do better then.

[1:26:35] >> I'm trying. That's why I'm here.

[1:26:37] >> You're taking loads left and

[1:26:38] right and not paying

[1:26:41] >> You're crazy. I mean, if you look at the

[1:26:43] dates getting divorced, you're not a

[1:26:45] >> Wait, did he say loans or loads?

[1:26:47] >> Loads.

[1:26:48] >> Loans. Loads.

[1:26:49] >> You said loads.

[1:26:50] >> I did say loads.

[1:26:51] >> Oh, loads. He says loads of loans or

[1:26:53] something.

[1:26:54] >> No, loads. She's getting breeded.

[1:26:56] >> Oh.

[1:26:57] >> By like 50 different men constantly.

[1:26:59] >> No, I haven't done that in a long time.

[1:27:02] >> Yeah, a couple years.

[1:27:04] >> Lots and lots and lots and lots of

[1:27:06] years.

[1:27:09] >> I'm just adding up your collections at

[1:27:10] this point, guys. This is insane. as far

[1:27:12] as that's paid off.

[1:27:15] >> Okay. Well, minus uh

[1:27:17] >> that 1,800, right?

[1:27:18] >> No.

[1:27:19] >> Which one is that?

[1:27:20] >> 415. You don't even know what I'm

[1:27:21] looking at.

[1:27:21] >> Oh, 415. Well, the other one says

[1:27:22] closed. My bad. That's the only thing on

[1:27:24] my account that shows collections right

[1:27:26] there. That's it. And everything else is

[1:27:27] either

[1:27:28] >> It's closed, which means you got to

[1:27:29] start making I don't know what

[1:27:30] your minimums are.

[1:27:31] >> The been closed for a long

[1:27:32] time. They ain't they ain't said nothing

[1:27:34] to me.

[1:27:34] >> Oh, potentially negative. Dude, your

[1:27:36] minimum I don't even

[1:27:38] Maybe an additional There's more. It's

[1:27:40] like 3,2697.

[1:27:43] But like I don't even know what your

[1:27:44] minimum normally is monthly. It's like

[1:27:46] an additional $2,000 so far. Like this

[1:27:50] is crazy.

[1:27:52] >> But you didn't send us

[1:27:54] Let me ask you something real quick. On

[1:27:55] a lot of these collections of sheets

[1:27:56] supposedly quote unquote collection,

[1:27:57] >> these are never mind. These aren't

[1:27:58] collections. A lot of them have the

[1:27:59] minimums. They've stacked up to about

[1:28:01] 2,000.

[1:28:01] >> But they're charged off, right? A lot of

[1:28:03] them.

[1:28:04] >> Uh no, not all of them. They're like

[1:28:05] closed, but there the minimums are still

[1:28:07] active cuz they're not sold to

[1:28:08] collections yet. What have they been on?

[1:28:10] They've been on that that um

[1:28:11] >> and it's hard for me to get true insight

[1:28:13] because I'm just seeing it through the

[1:28:14] credit report. So, it's not even showing

[1:28:15] me there's an additional 15,241.

[1:28:20] >> I guess what I'm saying though is like a

[1:28:23] lot of things a lot of things that

[1:28:25] you're looking at,

[1:28:26] >> are they not going to eventually fall

[1:28:28] off anyway?

[1:28:28] >> No, cuz they haven't gone to collections

[1:28:30] yet. So, there's an additional seven

[1:28:31] years once they do.

[1:28:33] >> Interesting. whenever they like that.

[1:28:35] >> This cash app, we have some money coming

[1:28:37] in.

[1:28:38] >> That's really not that.

[1:28:39] >> I prefer Chime, but you do you.

[1:28:41] >> It's not Jam and Toast forever.

[1:28:44] >> Subway, Ein Einstein, Einstein's

[1:28:48] um cash stuff. Donor Express, Chipotle,

[1:28:51] Apple Bill, Apple Bill, Chipotle,

[1:28:53] Chick-fil-A, Vending Machine, Bagel,

[1:28:56] Service Works, Chipotle. It's all

[1:28:57] Dan's Bagels. Going in and

[1:28:59] getting some

[1:29:02] >> A couple samples. That's good. Instead

[1:29:03] of going in against the make

[1:29:05] your energy drinks at home. It's very

[1:29:07] goon stuff, but it's actually tastes

[1:29:09] better than the energy drinks you do. I

[1:29:11] promise you that. And it's 40 cents a

[1:29:12] serving with the 10% discount code we

[1:29:14] got Caleb gamers.gg. Link in the

[1:29:17] description below. Get your free

[1:29:18] samples. Figure out what flavor you like

[1:29:19] and then make your energy drink. So,

[1:29:21] you'll never know.

[1:29:22] >> It doesn't have like the tingles. Does

[1:29:24] it give you the tingles?

[1:29:25] >> It's a proprietary blend. So,

[1:29:26] >> you need the ting. What do you mean

[1:29:27] tingles? What do you

[1:29:28] >> She's talking about a pre-workout is

[1:29:29] what she's talking about.

[1:29:31] So that's just a that's just an energy

[1:29:32] drink.

[1:29:33] >> Yep.

[1:29:34] >> Yeah. So you stop thinking that I have

[1:29:36] overdraft protection. Overdraft.

[1:29:38] Overdraft. Payment. Payment. Payment.

[1:29:39] Overdraft. Energy drink. Overdraft.

[1:29:41] Overdraft. Tractor Supply.

[1:29:44] >> Yeah. No, you guys.

[1:29:46] >> Pizza Hut. Tom Thumb Vending Machine.

[1:29:48] Roku.

[1:29:50] Energy drink. Dude, you just got to do

[1:29:51] gamer subs. Tastes better and it's so

[1:29:53] much cheaper. It's like making your

[1:29:54] coffee at home.

[1:29:54] >> That's you getting damn energy drinks

[1:29:55] though.

[1:29:56] >> No, it's you.

[1:29:57] >> Ain't no way. I don't drink energy

[1:29:58] drinks bro.

[1:29:59] >> They are so dumb. I don't know how you

[1:30:00] guys have survived. Overdraft.

[1:30:01] Overdraft. Overdraft. This is crazy.

[1:30:03] Kohl's. Roy Hut. Apple Bell. Apple.

[1:30:07] >> Um.

[1:30:08] >> Damn.

[1:30:08] >> H. Is it a good flavor? I don't know

[1:30:10] what flavor it is.

[1:30:11] >> No, it smells good. It just kind of hit

[1:30:12] me real hard there for a minute. I was

[1:30:13] like, damn. It says on the package, do

[1:30:16] not

[1:30:17] >> sniff.

[1:30:19] >> I'll sniff it.

[1:30:19] >> Because it like you're probably gonna

[1:30:21] have another heart attack. Vapor company

[1:30:24] >> dats. I hope you don't, but I'm going to

[1:30:26] try to I'm going to send you guys to

[1:30:28] Reed who helps us do finances here cuz

[1:30:32] listen, he's going to just need access

[1:30:34] to your accounts cuz with the way you

[1:30:36] did it, I can't I'm going to do a budget

[1:30:38] for you obviously, but I couldn't

[1:30:39] perfectly calculate because it was

[1:30:40] all in the credit report. I need your

[1:30:42] statements and your is such a mess

[1:30:45] it's impossible to see.

[1:30:46] >> Well, that's the only statements I have

[1:30:47] is the cash app right now. Well, no.

[1:30:49] There's statements for the closed

[1:30:51] account the account.

[1:30:54] I don't know what the minimum payments

[1:30:55] are. I calculated them to

[1:30:56] >> I don't know how to get into this.

[1:30:57] >> A lot of mine are 40 bucks. Almost all

[1:31:00] of them about 40 about $40.

[1:31:02] >> Then a lot of them are just behind.

[1:31:03] That's why they're showing even higher.

[1:31:04] So, okay. Let's see. Let's pretend.

[1:31:07] >> Let's say the minimum is 40.

[1:31:09] >> Don't pretend cuz like

[1:31:10] >> I have to though.

[1:31:11] >> He doesn't have the

[1:31:12] >> But use your

[1:31:13] >> I'm upping them.

[1:31:14] >> No, I could I could tell you what they

[1:31:16] are if that's allowed. Well, yeah, it's

[1:31:18] allowed.

[1:31:22] >> What do you mean you have them?

[1:31:24] >> What?

[1:31:24] >> I have Why haven't you cleaned your fish

[1:31:25] tank?

[1:31:26] >> Shut the up.

[1:31:27] >> But it's It needs to be cleaned and

[1:31:28] they're going to die.

[1:31:30] >> Let's see. She's been alive.

[1:31:32] >> Well, I say that.

[1:31:33] >> That's not what I heard.

[1:31:35] >> That's not what you heard.

[1:31:37] >> She's been here forever. Are people

[1:31:38] secretly replacing her that I don't know

[1:31:40] about?

[1:31:40] >> Probably to make you feel better so you

[1:31:42] don't cry.

[1:31:43] >> I wouldn't cry.

[1:31:44] >> I bet you would.

[1:31:44] >> It's a fish.

[1:31:45] >> Why can't you have mint? Why don't you

[1:31:47] like mint?

[1:31:48] >> Why do I not like mint? Because I don't

[1:31:49] like the flavor. Why don't you like the

[1:31:50] flavor? Why don't you like the flavor of

[1:31:51] something you don't like?

[1:31:53] >> Well,

[1:31:53] >> exactly. Shut the up.

[1:31:55] >> Damn.

[1:31:55] >> Your mortgage is $3,790.

[1:31:59] I have your minimums for some things. I

[1:32:01] have 626 so far, but I don't know

[1:32:04] >> right now currently for

[1:32:06] >> Is this accounting for all closed

[1:32:08] accounts that you don't even know about?

[1:32:09] >> Well, I don't know. I don't know about I

[1:32:10] have no access to

[1:32:11] >> exactly. That's the point. That's what

[1:32:12] I'm missing. So, let me fix.

[1:32:14] >> So, I have to guess. That's why you're

[1:32:15] gonna sit down with him and he's gonna

[1:32:16] go through your own accounts.

[1:32:18] Read.

[1:32:19] >> You'll know, bro. You'll know. Sure.

[1:32:20] >> He's our extra guy. I'm gonna pay for a

[1:32:23] session. I'm guessing an extra 480

[1:32:25] >> plus 626.

[1:32:28] >> This is on just the conservative side,

[1:32:30] but like I'm guessing your extra minimum

[1:32:32] payments are,100.

[1:32:35] >> It might be lower. I don't know. Okay.

[1:32:37] What's your utilities? Gas, electric,

[1:32:38] internet, all combined.

[1:32:40] >> So

[1:32:40] >> that's a him. This will be

[1:32:44] this is probably a more or less average

[1:32:46] right now. But if you look at electric,

[1:32:48] it's around 160. Um gas is usually

[1:32:52] around 79 80. Um if you look at water,

[1:32:56] let's say like 175.

[1:32:58] Gas, electric, water, internet is around

[1:33:01] what? 45.

[1:33:03] >> Okay. So 460. Gas vroom vroom drive.

[1:33:07] Both of you combined on a monthly basis.

[1:33:08] Let's say I'd say on average uh let's

[1:33:11] say about I'd say like 550

[1:33:14] >> give or take.

[1:33:15] >> Phone bill.

[1:33:16] >> Phone bill. Mine's 175 60.

[1:33:20] >> Sounds like you got something good like

[1:33:21] helium that most people should use.

[1:33:24] >> I'm just on my mom's plan.

[1:33:25] >> Oh, great. Okay. Yeah.

[1:33:26] >> Uh car insurance.

[1:33:27] >> That's around 350 for both of us.

[1:33:30] >> Necessary food.

[1:33:32] I'm guessing you can do about a,000.

[1:33:34] >> No.

[1:33:35] >> Yeah. There you go.

[1:33:36] >> Use the meal plan. meal plan and you're

[1:33:37] meal prepping. Five kids, you're meal

[1:33:40] prepping. All these dumbass snacks and

[1:33:42] >> Yeah, snacks means you're meal prepping.

[1:33:44] That's the thing. You're eating a lot of

[1:33:45] the same meals over and over again.

[1:33:46] >> No, I know. I like that. That's fine.

[1:33:48] Okay. Your household has one more kid

[1:33:49] than mine. Yes. But you know what my

[1:33:51] family did on a tight budget? Just white

[1:33:53] people, tacos, and spaghetti on repeat.

[1:33:54] It works.

[1:33:55] >> Well, we do that. And

[1:33:56] >> Well, there you go. You're fine. And

[1:33:57] chili is perfect. Is fine.

[1:33:59] >> But I need the kids snacks every two

[1:34:01] hours.

[1:34:02] >> You can get a few things, but you don't

[1:34:03] need to get all this name brand. You can

[1:34:05] do a 1,000. It's fine. if you find

[1:34:06] anything else they need to survive for

[1:34:07] you and the kids. I'm giving 500 cuz the

[1:34:09] at home school.

[1:34:10] >> We usually about 250 for groceries every

[1:34:12] week is what I give her.

[1:34:13] >> Oh, there you go. But you also eat out

[1:34:14] like crazy. Medical healthcare their

[1:34:16] co-pays.

[1:34:18] >> How much basis?

[1:34:19] >> Um I would say

[1:34:21] >> do you trust the doctors?

[1:34:22] >> We don't go that often, bro. It's kind

[1:34:24] of hard to say on a monthly basis.

[1:34:25] >> A doctor that is more naturalistic, but

[1:34:29] um naturalistic is not a word. But

[1:34:31] >> how much?

[1:34:32] >> It's like I would say like 30.

[1:34:35] Did you have like a failed home birth or

[1:34:37] something?

[1:34:37] >> It was not failed.

[1:34:39] >> If there was no failed pets,

[1:34:41] >> I We have three cats and two dogs.

[1:34:43] >> Yeah, them.

[1:34:44] >> But it wasn't failed. First off,

[1:34:47] which ones?

[1:34:48] >> Cats, dog. Get rid of them bastards in a

[1:34:50] heartbeat.

[1:34:50] >> Why? What's wrong with them?

[1:34:52] >> I hate them.

[1:34:52] >> He doesn't like cats. But they're sweet.

[1:34:55] >> Okay. Well, good news. $250 for pet

[1:34:57] insurance cuz you have so many animals.

[1:34:58] >> Yeah, we ain't paying that

[1:35:00] >> We don't have pet insurance. If they

[1:35:01] die, you need to die.

[1:35:02] >> Oh, why? Cuz if something happens, you

[1:35:05] can't afford to take care of them.

[1:35:06] >> They can go.

[1:35:07] >> Well, they're inside animals, so like

[1:35:09] >> Exactly. And if something

[1:35:12] >> And I'm not even explaining it. 250.

[1:35:14] >> If something happens, though, guess

[1:35:14] what? They gone.

[1:35:16] >> I know. So why do we need the insurance?

[1:35:17] >> That's how I see it.

[1:35:18] >> So you don't care if they die. The cats.

[1:35:19] >> No, I do. I'd be really sad.

[1:35:21] >> There you go. So are you going to save

[1:35:22] their life if something were to happen?

[1:35:25] >> Cuz that's what pet insurance covers.

[1:35:26] >> We can't afford it. No, we ain't.

[1:35:28] >> But pet insurance would make So you can

[1:35:31] >> Oh, my sister had that. But if they die,

[1:35:32] you still have to pay for it cuz it's

[1:35:33] like a thing. Like a

[1:35:34] >> Yes. Oh my gosh, I hate you.

[1:35:36] >> But he saved you to the dog.

[1:35:38] >> How much for pet food a month? Uh like

[1:35:40] 50 bucks.

[1:35:41] >> And cat litter.

[1:35:42] >> Yeah. How much?

[1:35:43] >> Uh

[1:35:44] >> 70 now.

[1:35:45] >> No. So the for the cat and dog expenses,

[1:35:47] I would say maybe $100 every six to

[1:35:49] eight weeks.

[1:35:50] >> Okay. So 50 bucks. Okay. Whatever.

[1:35:52] >> It's not. No, because the litter is not

[1:35:54] that expensive and

[1:35:56] >> subscriptions. I'll try to give you 100

[1:35:58] bucks. I don't know.

[1:36:00] >> Well, let's see. I guys, this is such a

[1:36:02] mess. This like I don't even know what

[1:36:04] this is.

[1:36:06] >> This is like the It's the worst budget

[1:36:08] I've made.

[1:36:09] >> No,

[1:36:09] >> you don't even say that to every you

[1:36:11] guys smoke. No, it's the worst in terms

[1:36:13] of it's so scattered.

[1:36:15] >> I don't know how true it is or not.

[1:36:17] >> Is this real accurate though? We have

[1:36:19] bad debt 87,000.

[1:36:21] >> Yes.

[1:36:22] >> Plus student loans and plus a lot of

[1:36:24] like that.

[1:36:25] >> Shame.

[1:36:28] >> But it's fixable.

[1:36:30] >> Probably have legal room. proable.

[1:36:32] >> Yeah, sure. I just don't know if this is

[1:36:34] accurate, but 9 uh 8,500 to survive is

[1:36:37] what you need to make your payments and

[1:36:38] everything on time. It might be 9,000,

[1:36:40] might be 9,500, but either way, if

[1:36:42] you're bringing in that 13,000 a month

[1:36:44] that you said you are, then

[1:36:47] um it's like, yeah, I need that.

[1:36:51] Then with all your

[1:36:55] federal first federal okay so 597 your

[1:36:58] total debt situation is $597,26627

[1:37:03] minus

[1:37:05] 498014.93

[1:37:09] for the mortgage and minus the student

[1:37:11] loans of $9,854.

[1:37:13] So debt to pay off 90,000 hours

[1:37:15] basically with your addition. I'll give

[1:37:17] you funds spending of 500. But again,

[1:37:19] that's if the payments that's if the

[1:37:21] payments aren't higher. If they are, get

[1:37:22] rid of it. So that gives you an extra

[1:37:26] $4,000

[1:37:28] a month to put towards that maybe, which

[1:37:30] pays it off in under two years. So you

[1:37:33] can have fun and probably pay off all

[1:37:36] your debt in under two years.

[1:37:38] >> A month.

[1:37:39] >> Well, I'm You didn't say a month.

[1:37:41] >> It's all a monthly budget. Well,

[1:37:43] >> well, you pay off in under two years and

[1:37:45] then 6 months to get a fully funed

[1:37:47] emergency fund. That's if the debt situ

[1:37:49] You're going to sit down with Reed and

[1:37:50] he's going to go further in debt.

[1:37:51] Listen, guys. This is too impossible.

[1:37:53] It's too impossible. I didn't have your

[1:37:55] statements.

[1:37:56] >> No, it's impossible for me to give an

[1:37:58] accurate number.

[1:37:59] >> I couldn't get access to all the stuff

[1:38:00] that's uncharted.

[1:38:01] >> Exactly. That's what he will help with

[1:38:02] cuz he has more time.

[1:38:04] >> Guys, let's get the Hammer financial

[1:38:06] score and then go into the post show.

[1:38:08] There's more things. There's more things

[1:38:10] to She's hiding from him that we

[1:38:13] haven't even gone through. We're gonna

[1:38:14] go into the post show. There just wasn't

[1:38:16] time. There's Oh, they're planning a big

[1:38:18] vacation. I'm gonna go through their

[1:38:19] phone, figure out where that all the

[1:38:20] Apple came from. See what they're

[1:38:22] hiding from each other. See how she

[1:38:23] communicates in their text. It's always

[1:38:25] chaos. The post show's incredible. Let's

[1:38:26] get the hammer financial score, though.

[1:38:27] Spending in a budget. You technically

[1:38:29] didn't overspend. Actually, surprising.

[1:38:32] Uh, but you certainly put money towards

[1:38:34] instead of paying off debt. So,

[1:38:35] it's not good. I'll give you a two out

[1:38:36] of 10. Best I can do. We're lower than

[1:38:39] the the the

[1:38:40] >> two out of 10 in your spending in the

[1:38:41] budget category. I'm going through every

[1:38:43] category. Your debt, there's

[1:38:44] collections. So 0 out of 10 for that

[1:38:46] emergency fund. There is no saving. 0

[1:38:48] out of 10 retirement. Is there

[1:38:49] retirement anywhere?

[1:38:50] >> Well, my money is guaranteed for life.

[1:38:52] >> Yeah.

[1:38:52] >> I mean, and I have

[1:38:54] >> I think we deserve a point

[1:38:56] >> for that. I mean I mean technically,

[1:38:58] dude, like I mean I know this is kind of

[1:39:00] iffy like if social security stays

[1:39:01] intact for that long, great. If it

[1:39:03] doesn't, we might lose it. But the VA

[1:39:04] money is for life. Well, social security

[1:39:06] 2032 it gets cut by mandatory 25%.

[1:39:09] >> Maybe.

[1:39:10] >> No, it does unless we readjust

[1:39:11] something.

[1:39:12] >> They said maybe. It's a maybe. They said

[1:39:13] that years ago, too.

[1:39:14] >> Well, yeah. And then they re they lifted

[1:39:16] the retirement age.

[1:39:18] >> Oh, okay. Serious. But mine's mine just

[1:39:20] >> they have to do something. Yeah. It

[1:39:22] affects everything, including some

[1:39:23] Medicare funds. Medicaid funds, too.

[1:39:25] >> I don't I don't give a about

[1:39:26] Medicaid but

[1:39:27] >> No, but Okay. Two out of 10. I'll give

[1:39:29] that. Real estate. You own a house. The

[1:39:31] 40-year mortgage is crazy. The

[1:39:32] interest rate isn't great. What's the

[1:39:34] house worth? Do we know?

[1:39:35] >> Think we owe 498. It's worth like 4.85

[1:39:37] right now.

[1:39:39] >> No, it's not.

[1:39:40] >> Yes, it is. It's not worth what we

[1:39:41] freaking

[1:39:42] >> house in the market. But I'll give you a

[1:39:45] three out of 10.

[1:39:46] >> We owe4.

[1:39:48] >> No, you owe 500,000.

[1:39:49] >> No, we don't.

[1:39:50] >> It's 498.

[1:39:54] >> Take that out,

[1:39:54] >> buddy. Your most recent statement and

[1:39:56] that's all that matters to me. So, I

[1:39:57] don't give a

[1:39:58] >> Okay.

[1:39:59] >> Okay.