$160,000 Of Weed Debt | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I got a $122,000 inheritance check. To the in which we, like, blew in... A year and a half had... We were spending at least $1,000 a week on bud and... $1,000 a week on weed? I thought that I had told him about everything that I... Like, all of my debt. That's not my fault. He didn't remember. Why has no one considered leaving? Has anyone considered leaving? I have in the past. So the answer is, leave her. She's a complete failure. She's a f*** up. She's done. DollarWise is finally here, sending waves to the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount. And most people sign up for the annual version because this saves a lot of money, and you get my detailed 30-day meal plan signed by me mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click the link below. I'm Alexis. I'm 24. I'm Drake. I'm 23. We live in San Antonio. And this is Financial Audit. Thanks for coming up to Austin, guys. Nice to meet you. Listen, Alexis, you're right in front of me right now. So I'll start with you. What do you do in San Antonio for a living? Cheapest major city in Texas, so income can stretch further. Yeah, I mean, everyone hates it. Continue. Go on. What do you... I don't know about that. I work at a smoke shop. A head shop. Ah. Yeah. I'm about to quit, too. Okay, for a better job. Oh, you'd think so, wouldn't you? I don't know yet. She's got no plan. I have no plan. And I've told her since she's got the job to keep looking at other jobs. I wanted to ask your income situation. Oh, yikesies. Horrid. I have enough money to pay for groceries, and that's about it. No, he's asking you, like, how much you make. Oh, 12 an hour. That one went right over my head. All right, chat. We're in for a struggle. Here we go. Okay. What hits your account per paycheck cycle? Per paycheck, what hits your account? Let's just try that, actually. Anywhere between, like, 350 and 450, depending on how many hours I work. So, yeah, her job is pretty late. Okay, yeah, why don't you talk for her? Because she doesn't know what the fuck to say. So she's supposed to be part-time at her job, smoke shop. but they were sounds like she is with that pay but they're working her full-time and that pay is full-time 384 dollars or whatever yeah she actually works more than 40 hours some week but they stop the clock is that a weekly pay yes and they stop the clock at 40 hours on their books but she'll work more than 40 and they don't pay it over time and a half talk to a pro bono employment lawyer oh they probably want to make some money sue them i don't know how that works I didn't know that was an option. Talk to a lawyer. But lawyers are expensive. Pro bono. Pro bono. They would take a look at it, assess it. Is it really worth it, though, when it's not that much? Maybe. I don't know, because you actually might have an employment case of not just back pay, but potential even worse. Sure, I guess. I don't really know. That's what a lawyer is for. But, okay, how many hours a week are you working on top of that 40 that you're not being paid for? I usually average between like 35 and 45. Okay, so sounds like she's not always above that 40, but that 45, you're not being paid for the five. I'm getting paid, just not time and a half like it's supposed to. It's under the table cash. Yeah. Well, under the table cash is also not being taxed. I mean, it's supposed to be, but you're not paying tax on it, so I guess it at least actually makes up for it relatively. You're not getting paid 50%, so not 100%. Yeah. Okay, is the whole thing under the table? Not the whole check. And what's this under the table? They're like, here's some cash? But they just don't want to pay the time and a half. They don't want to pay the time and a half. You said under the table. I'm quantifying what the f*** that means. Just cash. That's what I asked. And then you answered something completely different. So they just give you cash once a week? If I work more than 40 hours, then yeah, I get whatever extra I'm supposed to get in cash. And have you brought this up? No. I told her to. If you haven't advocated for yourself, then I'm all of a sudden not giving a shit. Advocate for yourself. How long has this been happening? Since like January-ish. There's a bunch of employees that quit. It's over a couple months. Okay. And I told her all the time. I don't give a shit about what you're going to say. I'm talking to her. Sorry. I'm not trying to come out of the gate as a dick. You just keep jumping in, man. It's like, dude, I'm trying to talk to your woman right now. Listen, I mean, the dude, his biggest fear in the world is being cucked. Before I even met him, he was just blabbing around the office. I hope no one here steals my girl today. Okay, no. I just know y'all are a bunch of gooners. A bunch of gooners, but we don't just swim in one without their consent. Two, taking them from men. I've heard Brandon's comment where if it's not married, you know. That's what he said. So you guys are not married? Not yet. Not yet. We are engaged. Congratulations. Thank you. When are we getting married? How long have we been engaged? We're getting married in June, and then we've been engaged two years. Two years. Two years. What the? Okay. How long have you guys been together? Six years. Six years. Okay. So how long is this job going to last before you quit? Am I even putting the income on paper? Does it matter? Since they banned all of the THCA bans, I went through that with the nicotine ban, and I don't want to deal with that with people through the THCA ban. What do you mean? At the end of the months. People are mean. The amount of people that yell at me. You're in retail. I mean, that unfortunately happens. I obviously don't advocate for it, but unfortunately that is the reality of the situation. Okay, so whatever this law is goes in effect at 331. I honestly don't even know what it is. I'm not in that world of destroying my brain. But, okay, so you don't want to deal with it? So you're going to go from income to no income, even if it is a shitty situation? I don't want her to. At the end of the month? I keep telling her she needs to have a job before she leaves. Okay, so what are the conversations surrounding this then? Obviously, there is a big divide here. So just give it to me then. Obviously, this is what you want to talk about. So tell me, what the fuck? She wants to quit, like, all the time. And I keep telling her to have another job first. I'm okay with her quitting. So she's quitting by the end of the month, which, by the way, is in one week. Yes. Less than. So go on. Oh, I just, she has to have another job because right now we can't make it unless she has some kind of income. I was going to go back to doing DoorDash and stuff until I find something else. I have a friend that his wife is able to get me in on, potentially in on her company. Potentially in on her company within five days. Okay. No. The training doesn't start until June, so I'd have to figure it out until then. What are you talking about? Okay, what is figuring it out until then? He says he needs to have a job. What happens in the conversation? That's what I've been asking, guys. He says he wants you to get a job. What the f*** happens in this conversation? He tells me to start looking, and then I look, and then it kind of just ends there. She half-asses looks, though. Huh? She half-ass looks. Yeah. She doesn't really, like, she'll, like, kind of scroll. I'll look, but, like, nothing is hiring right now. I have applied it before. I mean, that's not 100% sure. It's not a great job market, but nothing is hiring? No. She spent three years looking for a job for a while. That I did, too. Because always saying nothing was hiring. How looking? Oh, when was that? A few years ago. Okay, well, that's when literally everyone was hiring in the best employment market we've had in the history of the United States. So fuck off with that. So that excuse no longer holds water. Nobody is hiring you because your resume sucks or your interview skills suck or your skills actually suck or you're bad at working and now you can only sell drugs to druggies. That's all you're capable of doing or driving in a car, which is what pretty much every immigrant does when they come to San Antonio. So that's pretty much where you are. Unfortunately. Yeah, she did. Unfortunately, so you recognize you're 100% of the problem. You don't even have an alternative opinion to this. Very good. So the answer is leave her. She's a complete failure. She's a f*** up. She's done. I mean, that's it, right? I mean, I'm sorry. I mean, you didn't stick up for anything. You didn't try to advocate for any kind of position or opinion. You're just like, nope, I suck. I'm the problem. Good. She's done. She is not willing to work on it for the past few years. That's it. End the relationship. Why the f*** would you stay with that? I don't understand. Like, at least if she had an argument, even if it was wrong, at least there's some kind of perspective to be had but she doesn't she's just like no i'm a failure i'm okay with it how would you ever want to stay with someone like that well to be fair the the last job she had before this one um was a computer she was working from home on the computer and working from home on computer everything's computer that's beautiful wow yes but dogs i was living with my friend at the time our dog and his dog got into a fight they're both pit bulls She tried to stop it, and now her hands got torn up. Her hands and her arms got torn up. I think it wasn't. They both, like, severe nerve damage in both of my hands. You can, like, see all the scars. That's after scar surgery, too. Type for me. I'm fine now. What the fuck is the issue? I mean, I guess for the few months after that, right, she couldn't type. So she was on some kind of not medical leave. What's the point here? Medical break. Does that have to do with her not saying no one's hiring for two to three years? No, not really. What the f*** was the point of that? What was the cope? Just because you're attracted to her and you like her doesn't mean she's going to be a good person in this relationship. Correct me if I'm wrong here, but we brought up the problem, the problem that you are having, and her entire thing was like, yes, I do suck, and I am a loser, and I don't care. Well, she did finally get a job. It's not that I don't care. I struggle finding – I don't know what I want to do in life. I want to find a career, but I don't know what I want to do. Okay, figure it the f*** out. that's not my problem it's not his problem it's your problem being an adult step the f*** up and deal with it what do you want from me i don't know what i want to do in life then take an appointment quiz talk the f*** hey i do something like what the f*** am i supposed to do like that's not a problem that can be solved by someone else you're just gonna cry about it forever that you don't know what you want to do like i'm sorry i'm probably coming across as a dick but like what point like what's the what's the alternative oh okay well i'm sorry to hear that yeah and then what you'd never do anything ever it's like what no figure it the f*** out and i also don't care it's an income if you can't figure it out you still need to get an income i don't really give a s*** i'll get you a course career certification in something you want well if you can actually figure out what you want people in the audience have converted those into six-figure jobs just you got to figure out what the f*** you want we've had these conversations and it just doesn't go anywhere just like this she doesn't know what she wants to do she wants to go back to school but she has no but she has no idea what she wants to go back why would you even go back to school that It doesn't even necessarily matter. I don't believe in college and all that. You don't believe in college. That doesn't make sense either. No, not unless you actually need it, right? All these people spend money, thousands of dollars, go to college and don't do anything with the degree. Tens of thousands. Exactly. Sure, but a degree on average, people with degrees earn double lifetime earnings. Not necessarily. Well, no. On average, the overall statistic is those with a degree. Not necessarily. F*** you, not necessarily. The statistic is double lifetime earnings. Didn't someone, I couldn't remember who. Someone famous said that the next generation of millionaires are going to be plumbers, HVAC, and electricians. And none of those people need degrees. Yeah, and Abraham Lincoln said, nigga. So I don't care what your famous person said. How do we even know if what that famous person said is real or not? Like, what did he say? What did he say? That the next generation of millionaires are going to be plumbers, electricians, and HVAC. The trades. Sure, yeah, no, they're going to do very well. We don't have to spend thousands of dollars in degrees. That's all everyone can do. All of a sudden that happens. The pay for that demand goes down because the demand is lower because there's a lot of people in the job market. If everyone did that, the pay wouldn't be as good. I'm just saying I don't agree you should go to spend thousands of dollars on college unless you're going to go be a doctor or an engineer and actually use that degree. That's not how that works. Teachers do well with their degree. A lot of teachers now don't even need degrees now, right? You need a bachelor's degree to go to any school to be a teacher. To be a librarian, you need a master's degree. There's a lot of degrees that make sense. I'm not saying go get an art degree or a music degree, but there's a lot of degrees that make sense. Okay, but going to college with no purpose doesn't make sense. Sure, there you go. Once you push the goalposts all the way to the other side of the earth, yes, I agree with you. But your I don't agree with college at the beginning is... Not everybody needs college. And a lot of people waste money going to college. And the famous person was Jensen from NVIDIA. Did you look it up? I didn't. That's my quant. Your what? The magic man in the computer did. we love them i want to at least go to college to get my basics and why do you need your basics if you're not going to convert that into a degree that has a return on investment hopefully at that point i'd be able to hopefully what i want to do good continue hey you're 24 and you've never figured out anything ever and you literally just sit and your only complaint is i can't figure it out in my defense i thought i would have offed myself by now but oh how nice that's only what every other guest says on this show so that's such a bullshit thing such a gen z shut the f**k up shut up okay boogie2998 like what shut up that's not a reality that was ever probably likely considered I don't even want to hear it don't even say that is seriously 30% of all guests are saying that these days I don't even need to think about it I wasn't even worried about it I didn't even think I'd be alive shut the f*** up grow up and do something take a second and think and advocate for yourself what a dumbass bullshit stupid point you have. You have no maturity in life, and you refuse to do anything, especially even for your fiance. It's kind of gross. Step up! I do a lot. I take care of everything at home. The dogs, the groceries. I cook dinner every single night of the week. So do you just want to be a trad wife? That would be fun, but we can't quite afford that. Okay, what's your job? What's your job, Jake? Drake? I'm an HVAC technician. Oh, I wonder where that big opinion came from earlier. Like that the labor demand is so tight. That is why your pay is high. Enjoy it. Also did plumbing before this. Congratulations. What do you make? $4,000 a month salary plus some commissions. How much commission? Because that isn't like the big ego stroke. It really just depends, right? HVAC could be slow during the winter. Average month, asshole. I guess average $1,500 to $2,000. A month. A month. Okay, so what hits your account a month on average? On average, I guess a little over $5,500. Okay, I mean you can do a household in San Antonio on that. So you could trad wife it. And I know from what we have is she desperately wants to get pregnant and become a MILF ASAP. But I guess you guys don't agree on this kid thing at all. You guys aren't even joking on finances. You can't even have conversations about money without her shutting down. Yeah. slightly. And he won't even stick it in you as far as I know, right? Work can be stressful sometimes. Work can be stressful sometimes. I'm also the service manager. Ah, okay. So you want to get babies put in you. He's not really putting it in you. And life is stressful. You can't even talk about money. He shuts down the financial conversations. You can't even answer questions to save your life. What the fuck is going on? Why are we even together if we don't agree on literally pretty much anything? And things aren't even healthy here. Because I love her. She's hot. Goddamn. What did you want to hear? Not necessarily. You're not bad looking. I'd like to think that's not my best or my only quality. But I'd want to be more than just pretty. Okay, says the wannabe trad wife. We attempted that. That's why I made her get a job because after the whole computer thing, I gave her some time to stay at home and I was making some money. and but i would come home the house wasn't clean dishes were stacking up in the sink aren't you doing shit pure laziness at that point honestly that seems to be the reality currently that you getting another job or being responsible in any way or two years when you were looking for a job and no one's hiring even though everyone was hiring anyone i was doing like doordash in that time period so it wasn't like well that's not it's not three hours of it per per day if that Well, she's doing something. You're suggesting she was only staying home. I'd leave it anywhere between 9 and 11, and then I'd come home at 4.35. How are you guys able to have this lifestyle that you want when in the interview, again, before this, when you weren't there, he's saying, oh, my goodness, it is so annoying how she's constantly asking for everything. And then you said independently, it's so annoying how he's always saying no for everything I'm asking for. That's because she has a bad habit in like five minutes bringing up 10 different things we can spend money on. and Ed's stressed out with everything else. We've got to spend, I've got to pay bills. We have a wedding coming up. I have absolutely zero money saved up for, you know. We don't have all the extra money to be blowing on rent. She wants a goat, a house, a car, anything and everything. She'll ask for it. I mean, I have a note that you think she's the entire problem for y'all's financial situation. Well, she does spend a lot. I know nothing about the finances. If I knew more, I probably... Why don't you clue her in? I don't know. What, are you hiding the finances? No, I'm not hiding any. That's a relatively decent argument. I have a bad habit of asking people for help. I just do everything myself because I know it's going to get done. No, she just wants to look, dude. What the fuck are you talking about? Help? You're not asking for help. It's like she doesn't know what's going on in the finances. So she just swipes. She kind of does. She does know. She knows the car payment, car insurance. She knows the rent. She just doesn't know exactly, like, I guess, when it gets paid. I don't know. She does because I have my... Or how much money is anywhere. I know how much the car payment is, and I know how much rent is. Knowing how much a payment is is different than knowing how much money is coming in, where it is. Yeah, we don't sit down or ever have conversations like that. Okay, well, she's advocating for that. Yeah. She's saying her spending is bad, but she doesn't even know her spending is bad. I'm severely, severely self-aware that my spending is bad. Then why do you do it? Great question. That is a great question. Honestly, my entire life, everything has always just been handed to me. Oh, good. And it is a very horrible horror. How would you grow up? That's the entire point of this conversation so far for you. It's not being a literal child. She went from living with her parents to living with me, and I started paying all the bills. There was no transition period? No. No. I guess you're still children. Yeah, no. When we started, like, I moved out of my parents' house. I never, I've never lived on my own. I've never had to, like, take care of all of the bills and everything on my own. and so like I am very ignorant whenever it does come to that because everything. How ignorant are you? When you sent in statements for the show, you guys got into a massive fight the moment he saw your statements. I didn't realize she wasn't paying off her credit. Tell me exactly what happened with that. Because she told me, oh, I'm going to get groceries. I'm going to open up a credit card, and I know her spending, so I kind of urged her not to. And she was like, well, I'm going to do it. Now that I have a job, I'll use it to get groceries, and then I'll pay it off every month and just use it to build my credit. Well, I guess that happened one time and she never paid it off. And I didn't realize that. I didn't know. And when we were sending in statements, she was like, yeah, this is maxed out because I never paid it. Yeah. Same thing with her cash up. I didn't know her cash at borrow was maxed out either. I thought getting a credit card would be a good idea. I thought that I would be responsible and pay it off, unfortunately. I don't like to pay it off. I want the money. You don't like to pay it off. It's not that I don't like to. I don't want to spend the money. Yes. I don't want to spend the money because then it's not in my account and then I can't spend it on other things. And this is what you want to be with? That's why we're here. I want to get it changed. Especially before we get married and combine finances. I need to pay it off. It's in my brain that I need to pay it off and I know I do. Okay, so you're incapable of everything. You can't look for a job. You can't pay off a card. You can't figure out what you want to do. You can't figure out even what class to take. You can't do anything. And your only excuse is, I can't do it. Like, what the fuck? I don't know how to work with that. Someone like you is just a child. They think, because people in this TikTok generation of bullshit, Gen Z, crybaby, moral masturbators, they accept you saying, my boundary is not having to think about that. It's like, no, fuck your boundary. I don't give a fuck about your boundary. Your boundary doesn't all of a sudden entitle you to be a moron. like like this is your enablement no longer you not thinking is you f***ing up your life but what am I going to do with that I can't do anything I don't give a f*** and I have no sympathy for it you're just choosing not to and you're falling back on that excuse that other people have allowed for you to excuse your behavior grow up it's I'm I know that there's like I know I need a new like I need a new job and I need to find something before I quit I'm like I like I'm too comfortable with not like, my job is easy. I don't have to do much. My job is easy. That's why I'm quitting. I'm quitting because I'm not making the amount of money that I need to be making. And you haven't asked them once. You haven't even literally brought it up in a singular conversation. I was told something about the management position and then ever since then... You haven't brought up your pay. At all. Not once. 12 an hour. I don't care you have. No, you're. You haven't brought up your pay to them. One time. Oh, yeah, no. Stop believing out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or, oh my goodness, a payday loan charging you triple digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. 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Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial, DollarWise.com. Link in the description below. If you're incapable of doing that, it's not even a conversation. Just bring up a conversation. At least drop it as a nugget. Bro, you're incapable of doing anything. How you wake up every day, I don't even know. You're incapable of anything. Are you not hearing that yet? And that's what you want to be with? I'm so confused on that. I could never handle that in my life. She can't do anything. Anything. She did get to retire me for a few months when she got her dead uncle check. Yeah. I got a $122,000 inheritance check. To then which we, like, blew in a year and a half. Two months? A year and a half? What? No, it was about a six. It was like eight months. I'm what? A school bus? We decided to chase his dream. Your dream's a school bus? You, you. It was his dream. It's pretty cool. That was not my dream. And? And we converted it into a mobile home. For $120,000? No, no, that was only maybe $40,000. She thinks it's $60,000. I say $30,000, so we meet in the middle and say it's about $45,000. What? How does that even work? How about you just do the math? We did, and I swear it was only like $35,000 that we spent into it. I feel like it was more. No, because we sat down and did the math. I don't care. Besides the point, yeah. Oh, my. And where'd the rest of it go? I did quit working for six months. What? I was building the school. I was building it out. So the plan was. That was your job was building on a school bus. Oh, you suck. Oh, you suck equally now. Buddy, no one would survive off $120,000. No, as we learned, it went pretty quickly. You thought you would make it to death? No, not to death. Then how can you take time off work? Because that just needs to sit there. It needs to grow. Bro, you just lost millions of dollars if you put that in the marketplace over the course of your life and compound growth. Millions lost. Yeah, it's a big regret. And what's the situation of the school bus? Right now, it's parked in our backyard, but it's making us passive income, I guess, because my brother lives in it, and I charge him $450 a month to live in it. Why don't you sell it? I don't want to sell it. I don't care. Because I want to take trips in it. When? The plan was to travel and live the van life. Yeah, but how can you? You guys don't make money. And now you do HVAC. It's not a... It's not easy. No, exactly. During the winter, it slows down a little bit. I'll be able to. Take some nice winter trips. And her? She works part-time. She can probably get off. Except she doesn't. Yeah. It's like mostly full-time lately. What the fuck are you talking about, dude? Sell this shit. No, I don't want to. Get the money to pay off the debt. No, if I sold it, I would be buying another bus and doing it again. Great process. And the rest of the check just went to literally living because you guys wanted to sit on your ass for just living? No, living. And drugs. Smoked a lot of weed. We were spending at least $1,000 a week on bud. $1,000 a week on weed? Yeah, for like a solid three months. Yeah. You guys are losers, man. You guys are losers. When was this? This was 2023. bro you guys are like 20 22 yeah yeah we weren't the brightest did anyone have any advice did anyone talk to you guys actually my dad his dad said it was a great idea my dad said we were stupid your dad's right what the fuck is wrong with your dad dad's a hippie as well hippie doesn't mean poor yeah he kind of is oh he is doesn't mean you have to be poor though yeah yeah he kind of pushed me into getting the bus because i've always i've always dreamed about it for a while um i always wanted to do it when i was younger and then you know we had money and we were looking at buses talking about it and he kind of pushed us into doing it we get swayed into things relatively easy i wanted a house and or a new car a house you want to buy a house that's what i wanted to do with the check and it was... That would have made sense. At least that's an asset, relatively. A bus is an asset, too. Sure, but you say at the high end, $45,000 with $120,000 went to that. So at least with $120,000 put in a house, you couldn't touch it. I mean, it's something to live in if we ever are homeless, so it is in a house. Why would you ever be homeless? How about don't f*** up? That's the plan. Uh-huh. So sell it, then. This is so stupid. It's still an RV, basically. I can use it to travel. Okay. Are you guys ever going to get joint, though, so that we both have eyes on the money as a full picture if we're about to enter marriage in june i feel like that's after marriage thing maybe but are you are you even gonna do joint if she can control her spending a little bit yeah well can you control it i want to i just never have if the card's not in my purse or not around me then that the money again you're incapable of doing anything someone else would have to do it for you the guy i'm why are you marrying a literal child this is a joke this is pathetic. Guys, you are not headed in the right direction. She was literally... She's already considering starting an OF to sell her feet that look like children's feet. We've talked about it. Gotta do what you gotta do for a paycheck. Or just work. Why is the woman's only excuse in 2026 is to... Yeah, that's your potential wife. No, that's why I talked her out of it. We never really considered it. Can you talk her out of it? What do you mean you never really considered it? You were considering it. It was a last resort not likely happening. You're about to quit your job and not have a paycheck until training starts in June. Last resort becomes real quick. Wait, okay, whip them out. Put it on the table. Let's see what we're working with. My feet? Yeah. For free? Yeah. No, my toes aren't done. Do them. Whip them out. Let's see if these are worth payables. Not really a feet guy, but let's find out. Chat, what'd you pay for these? Don't. No, that's weird. Hey, let us know. If it's good money, I mean, we might have to start it. Don't look at the bottom of my feet. They just look like feet. I mean, I'm a little confused. They're small. They look like child's feet. Would people even know proportions via picture? Maybe. If you put it next to, like, a banana? A weirdo's going to be a weirdo. A weirdo's going to be a weirdo. They'll ask for you to, like, piss on your feet, yes. But I don't know about, like... Oh, God. If it's for children. You know. Yeah, I always told her I'll pick up some side jobs or do what I have to do before we start doing that. Because she, again, isn't capable of anything. I can do things. What? Whenever. What have you done? What the fuck have you done? Because in this conversation, I haven't heard shit. I had a $122,000 check. Yeah, your uncle died. That's what you accomplished? No. Yikes. That sounds horrid. That's it. Right? You spent it. You weren't capable of managing it. Very true. I, you know. So what the f*** are you capable of? You said, I can do things. Give me an example. You can't even sign up for a f***ing course at a community college. You're broken. I have looked into them. Oh, good. She's looked. She Googled something. I don't know what I, like, it goes back to, I don't know what I want to do. Okay, take an assessment. Have conversations. Look things up. Read a f***ing book. That's your fault, your problem. Figure it the f*** out. You might not have a perfect situation, but you will at least lean towards something that you would want to do more than something else. I told her always if she doesn't know, she could start getting into scheduling and phone calls and customer service to help me whenever I want to start a business. Oh, for f***s sake. Oh, my goodness. This will be the biggest business failure in the history of the world. He's already had a business failure. Yes, I'm not surprised. What was it? I helped a buddy of mine start an HVAC company. It was actually pretty successful. Oh, yeah? Yes. Uh-huh. A year and a half we hit our million-dollar mark. Oh, wow, and? And his dad was our silent investor who helped us get started, not very silent, and started pulling a lot of money away from the bank account before it was scheduled to start him receiving his payments. That's probably his money. That's the way he saw it, but his money was ready to spend. Was that the way he legally saw it? No, because legally he wasn't supposed to start getting paid yet. Did you guys sell him? That was between him and his dad, and I kind of gave up on everything. What percentage did you own? See, that was the other thing, right? The talk. I always own 10% of the business, 10% of the business, but whenever I ask for paperwork. Why don't people like you get things on paperwork? I don't get it. I don't know, and that's where I screwed myself, and I just walked away from it because I did so much for that company. Okay, well, he got an angel investor of how much? I think he invested $150. Very good. How are you investing $150 into this business that you're going to take off and bring your wife away to do calls when she's incapable of even doing anything in her life? We don't need $150 to start. Sure, but you were able to get to a million dollars, and I bet $150 helped. $150,000 helped you get there. It does. Work vans and stuff and all that. Yeah, things, you know, HVAC. Yeah, that's interesting. Yep. I mean, I have a lot of contracts. How's the business doing today? Oh, they shut down a week after I left. Yeah, I don't think. But I still retain a few of those contracts from when I was there because they weren't in there for him. They were there for me. I just don't understand. Guys, how are you getting married in June if we can't have a financial conversation? If we don't trust the joint account because he's not willing to do a joint account with you because he thinks you'll just spend his money too. If you don't even have anything saved going into the wedding, how the fuck is marriage in a couple months even a part of the conversation? Hopes and dreams. Nope. We were technically supposed to get married last year. And? And we had nothing saved up. And you have nothing saved up. Yes, but now we have a venue picked out and set. So, and we've sent some invitations out. Very good. How much does the venue cost? It only costs $900. It's a really nice venue, but my boss helped me out with it. He knows the... And what about the rest? What's the wedding going to cost? The venue is like $900. I have a wedding invitation for you. Thanks. I'm thinking the rest is going to cost about $10,000. That's what it is. She says no. Very good. How much do you guys have? None. Nothing. Okay. But I was talking, I talked to my dad. We have a wedding invitation? Yeah. How are you going to feel when Brandon f***ed your wife on the wedding night? No, that's not happening. It's your biggest fear. We'll make it come true. Brandon, stay away, buddy. We did talk to my dad over the weekend, and he is helping us with a portion of it. We just need to get him. What's a portion? We need to get him the numbers of like the vendors and cost. Very good. Thank you. Yes, you're very excited about this invitation. That's wonderful. Great. I would not come because I'm going to come and nothing's going to be there because you guys aren't paying for this wedding. There's no way you can afford this wedding. I don't know what the you're thinking. If I show up, I will be showing up to nothing. And here we go. I hope you're hungry for nothing. Not necessarily. We haven't picked anything out, but we're starting. You don't have any money. Her dad is supposed to help a little bit. Help a little bit of the 10. How much is he giving? He hasn't clarified. We have not clarified. What are we talking about? Why the f*** would I drive an hour and a half? It's actually in Ciblo, so it might be a little closer than San Antonio. Ciblo? No one's heard of Ciblo. It's near Seguin. I've kind of heard of that city, but I know San Marcos and New Braunfels. It's right next to New Braunfels. Yeah. It's in between New Braunfels and Seguin. Okay, okay. San Marcos. Okay. San Antonio. Very good. And it's a very beautiful property. That's wonderful. None of this excites me because you won't be there. You can't afford anything. If I have to, I will be there with just me and her. I'm not going to show this because that's the real names. And my uncle who's supposed to marry us. And that's it. And I'll be happy with that. Guys, I just don't even know. I just, I don't know. If you cannot have a financial conversation, what's the point of anything we're doing here? Learning how to have the financial conversation. I've tried, but you won't even talk when I try to get you guys to talk about an argument you've had. She just goes, yeah. I shut down. She does shut down a lot, and that's why it's hard to have those arguments because she'll just stop crying. Yeah, well, I heard you shut down the conversations. I do, too, as well. Okay, so she shuts down, you shut down. So where is there a conversation to even be had? Hardly ever. What was the last financial argument we've had? When we pulled up the statement. And what was your rebuttal? I thought that I had told him about everything that I, like, all of my debt. I thought, that's not my fault. He didn't remember. I do have a hard time remembering stuff as well. wow oh my god i have a lot of conversation that happens at work so i constantly am remembering a hundred different things from work and okay so she's right so you were wrong she shuts down as well guys you are not giving me examples are you incapable of conversations i'm literally just trying to understand something in a conversation like every time that we try to have the conversation he i'll say something and he'll get like a salty attitude and then just walk away and like the conversation never goes look like what is said what's the dynamic because literally anything please for sake guys why can't you answer this question i don't kind of told you this pretty much how our conversations goes she's asking for something i say no because we're broke because i paid no she just said you said something salty what is that that's pretty much it i'm broke i just paid a bunch of bills i can't pay for that shit and then the conversation just never goes further from like every time we've tried to have like a habit why are you guys still together if you can't even have a conversation, why has no one considered leaving? Has anyone considered leaving? No. I have in the past, but that's what pushed her to get a job. So only at the threat of leaving do you ever do anything in life. I didn't threaten to leave or anything. It was just more of like, I need you to step up and be a partner in this relationship. Which I did. I stepped up and I got a job. Yeah, so unless someone fully confronts you, you aren't capable of doing anything. I have a lot of issues with trying to do things by myself and get things done by myself, which I kind of attribute back to the way that I was raised and everything was just always done for me, which I like I need to break that habit of expecting everything to be done for me. And I know that. What do you mean? It's just like you say the right thing. You just don't do it. So I'm confused. I'm confused on how there's any productivity to be had, even you leaving this conversation. and i'm getting a little more insight because thanks to lindsey she's actually able to have she's able to say things unlike you guys i don't know what your problem is but she actually gave me an example thank you lindsey okay so she asked you to take her on a trip to las vegas or new orleans and you said shut the up just on the phone and they're like it's like what are we doing like if that's how we're having conversations you're right nothing ever will become productive and when you say shut i've never told my girlfriend to shut the fuck up in an argument i've never i've never just the moment that would happen no shit she's gonna shut down what do you think's gonna happen she says shut the up of course it was joking around oh was it it's happened multiple times that sometimes it doesn't necessarily always feel like a joke mm-hmm cope i don't mean it to be rude. Doesn't matter. She hears it. You're saying that. She hears shut the fuck up. I guess I could be nicer in the way I say things, but And you blame her for shutting down after she hears that? I don't do that every time. After her guy tells her to shut the fuck up. I do not do that every time. Not every time. It just happens. Well, she might expect it going into it. I want to have the financial conversations. I want to be more a part of things. He doesn't talk to me about them. What happens? So he just says, shut the fuck up. That's it. And walks away. Oh, I pay this. Blah, blah, blah. It's paid. This bill's paid. That bill's paid. And that's the exact same issue. So why won't you let her in? I do. I let her know every single time I'm paying something. What? No. No, no, no, no, no, no. She wants to understand more about the finances. You're like, well, I paid this. I paid this. Shut the fuck up. I do not do that. That's what she just said, and you kind of agreed with it. So how are you saying no? No. I tell her every week when I paid something. I'm like, I'm paying rent this week, and then the next week I'll be paying utilities bills. Is that what you're asking for? No. Exactly. You're answering a question that wasn't answered. What are you asking for? She's always asking for random stuff, and I just ask the stuff. When, after bills are paid, we need to figure out what money is going towards where. We need it, like, we're supposed to be getting married, but we haven't, like, decided anything. And I, I guess I don't even do that myself, so. it's like every time that we've had the conversation about okay so what do we want to eat what do you what bartender it's i don't know i don't know i like i can't i'm not marrying myself i can't plan a wedding all by myself there's like no give back to the conversation and i refuse to make all of the decisions for that by myself especially whenever i'm not even the one like mainly paying for anything how do i like i don't know how to sounds like she resents you for not having any when he's saved for the wedding. I resent not having the conversations about what we need to do in order to save what to get where we need to go. I mean, that's been hard when we spend it all. The conversations, asshole. That's what she's asking for. I'm bad at having conversations, I guess. Yes, I have learned that in 45 minutes. I want to have the conversations. They just make it away. We do have those conversations. I'm bad about making, I guess, decisions like that. I really, I don't have an opinion too much. I want the wedding to be. You don't have an opinion? I do. What do you mean? You clearly do. You just won't talk, man. And then you accept it as the W. And then she's just sitting there in silence and never having any knowledge of what's happening. I want her, the wedding to be the way she wants it. It will be. I'm not marrying myself. Getting by Brandon. I'm not marrying myself. I can't make all the decisions. I agree. He gives no influence. So why marry him if he can't have these conversations? because one of the leading causes for divorce in this country is financial problems. Why are we getting into this, guys, when we both agree, though on different spectrums, that this is not working? I'm not saying you guys don't love each other. I'm not saying that I want you guys to break up. But getting into marriage, when we literally cannot have these conversations, like physically, impossible. It makes no sense. And this is a couple months away. And that's why we want to start learning. To be clear, she does resent you for not saving up money for the wedding and not having those conversations that she wants to have. She might not say it, but she does. And you told Lindsay that you resent her for being growing up spoiled. There's resent on both sides. There's incapable of communicating, letting things fester. This is going to boil up into a big explosion someday. I don't want it to. Oh, very good. You don't want it to, yet you do nothing. What kind of response is that, asshole? What am I supposed to think? Think for a moment. I just heard you say, well, I don't want it to. What do I do with that? What do you want me to do with that information? I give you this big thing of what is happening. Well, I don't want it to. What do you expect from me? What am I supposed to do with that? Put yourself on the side of the table for a second. What do you expect? I haven't learned to have those financial conversations. We both grew up. Learned to? Yeah, I grew up in a family. Why don't you Google how I have this conversation? Why don't you read a book? I don't read. I don't do reading. What up? I'm Jared. I'm 19, and I never fucking learned how to read. Well, yes, that is clear. Why don't you audiobook? Books are boring. So you're not willing to learn anything ever. That is not true. Why not look it up a YouTube video about marriage and finances, relationships and conversations? Why not advocate for couples therapy? There are so many things to do. You, in 2026, no longer get the excuse of, well, I never learned. You have access to everything. GPT, Grok, Perplexity, Gemini, all of them. Anything and everything you need. Right there, Claude. I don't. Talking to someone at work. I talk to people at work all day long. And? I love talking to customers. I can talk to them all day long and sell jobs. Obviously not what I meant. you asking a co-worker that you're close to. You know how this is going on. What do you think? All of his co-workers are his brothers. Yeah, my brothers are the ones who work for me. Oh, both of you are c***s and bitches and just p***s in this relationship. That might be the way you guys make it to the end of life together because neither of you have any f*** balls. You'll just be miserable and never financially successful as a couple. You'll be failures and losers for the rest of your lives because no one is willing to stand up. That's not true. I'm working hard to have a good career. That doesn't matter if it all goes out the door and we're not able to communicate to prevent that. Dude, I've seen the highest income earners on this show have worse finances than the poorest. And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the out of you. That's kind of stupid. I'll be honest. but what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Doesn't matter how much comes in. When you can't deal with this, y'all are going to be miserable. Then you're thinking of bringing a kid into the picture? No, you guys disagree on that. I haven't heard that disagreement, but I know she wants to get bred to death. I'm not ready to have a kid yet. Well, I know. You can barely even stick it in when you're stressed by installing pipes. HVAC units. We lack communication skills between us. Oh, yeah? Oh, that's groundbreaking information. Every time we try to have a conversation I get emotional I start to cry And then he just immediately leave the conversation And like nothing ever gets resolved I do bad with emotions I don't, my dad always taught me never to bring emotions into arguments, because then it throws out the facts. Potentially, yes, into arguments, but does immediately just walking away and never resolving it afterwards fix it either? No. The anger just festers, and then nothing ever gets resolved. It's like I want to have the conversations. He just thinks that he can't have them with me because I'll cry. Okay. Example. Try to have the conversation now. I want to know more about the finances, and I want to be a part of things, so therefore I know where I can help. Well, I pay rents $1,100, and that comes out the first week of the month. And then the next week after that, I pay all the utilities, which is about $500, $600-ish. and then the week after that is car insurance which is about $400 something and then car payment the week after that which is $500 something and that's just kind of how I do it in my head I don't there's not much to talk about when that's all it is oh don't talk to me you guys are having the conversation I mean where you response is hold on okay I'll jump in the fact is that example relationship is exactly how you guys described it before she said i want to be involved in the finances like i don't and then you just went down the list of what you pay how is that how is that responding to her that is her knowing no she wants to look at the budget the income the expenditures i don't have a budget i literally do it in my head just yes if you guys sit down and build it up together the answer to her question and worry is not used to saying, well, I pay rent and I pay utilities. What? How is that the answer? Yeah, I've shut down too. How do you respond to that? That's a horrendous answer. That's one of the worst answers I've heard in this show. Did your dad also teach you how to bring a f*** with your responses? Yes. Guys, what do I think the financial score in this house is? Zero to ten, zero being the absolute worst, ten being the best. One. I think I took the score and I was 1.2. Well, you can take that score at CalebHammer.com. See where you stand in the world of finances. Get your Hammer financial score for free at CalebHammer.com. It's pretty awesome. Thousands of you take it literally daily. It's kind of awesome. And also tens of thousands of you have downloaded and are members of the DollarWise budgeting app if you don't want to be like a guest who ends up on this show. So make sure you download that. Test it out, see if you like it. And when you do, like most people do, you should sign up for the annual version because it saves you 50% and you get my signed 30-day budget meal plan right here. This one I already signed. This one's for you guys. It is detailed, your 30-day meal plan, drinks, snacks, food, all the goodies right in here. It's awesome. I'll mail that to you after I sign it. Then you no longer have an excuse for not being able to meal plan, budget your meals, everything like that. Even count calories, okay? So that's it. Let's get into these cards. What's happening here? Okay, very good. Why the f*** are we behind on making the Capital One Quicksilver payment? That would be her account. What is wrong with you woman? I thought I would pay it off and use it for groceries. You thought you would? Yeah. That didn't. Why didn't it? Self-reflect! I would use the money and then something else would come up and then I would never go back to paying it off. It was just like... Why? I'm trying to get self-reflection. In my brain, if I pay it off, like I make like $200, $300, $400 a week. Paying it off would take my entire paycheck, and then I wouldn't have money for like anything else. They have monthly payment plans. Why not make the minimum of $65? It's supposed to come out. It just comes out at the wrong times, and then I'm like. No, no. Oh, the auto pay does not come out after the payment is due. No. It comes out. Yes. I just, I never have money in my account whenever it needs. That's it. It bounces. It gets sent back. Yes. This takes two years to pay off. The limit is $300, but you owe $433, $422.62. But you owe $300. What the f*** are you doing? Yeah. The fact that there's even transactions blows my mind. I don't know how that even happened. No, that must have been. No, no, no. That was a return payment. Must have been. And then a late fee on top of that. Yeah. Yeah. Yeah, that was the card I was talking about that we got. Return ACH card payment. 65. Why don't you have money in your checking account? Huh? I my entire paycheck pretty much goes to groceries. And then I don't really have money. Groceries and gas. That's essentially. That doesn't make sense. With the amount of money you said you make, which I'm not writing down because you're saying you're quitting by the beginning of next week anyway, so I'm not even taking an account for the household. But even still, groceries and gas, unless you're just literally filling up like 10 Ford F-150s and feeding a house of 10, does not equate to bringing those paychecks to zero every week. Amazon. It brings, not necessarily Amazon. I go to the gas station. Show me your Amazon. What are you getting at the gas station? Red Bull. Why? And snacks. Why even the one off? Listen, obviously I advocate for Gamer Subs because it's much more, much more makes sense financially. It's very good. It's wonderful. And here's the pack version. It is $0.40 a serving. Let me make sure. This one's the hydration caffeine. Okay, this one's the energy drink. Here you go. $0.40 a serving using my discount code, Caleb at Gamersubs.gg, or just use my link. You get the free sample, see what flavor you like, and then get it. Make your energy drinks at home like you make your coffee at home. It tastes better, like legitimately. and because red bull shit anyway i mean these are really good and what this red bull is not good red bull is amazing dude red bull is not very good good this is good right very good but this ain't up there with my favorite red bull flavor now that one is actually is up there with my favorite one but okay well i must be more of a strawberry guy than peach yeah but i still think red bull is red bull yes bro when we did the blind taste test red bull was barely it wasn't even close which red bull were y'all trying just the red bull just the original yes red bull okay see the original so use that type in code kale use this is your 40 cents a serving you're making it at home you're not stopping at the gas station but even if you do have to do red bull which i really don't understand why buy him in bulk instead of single use retards i've started doing that give me amazon um the last couple purchases only one of these was me the rest of them were him and his brother what was you the oops snap clicking buttons um the one that was me we all do share an amazon account you're talking around your mic okay why are you doing nail shit your nails aren't even paint and they're cut yeah so what the fuck are you doing i've been like slowly teaching myself how to do that it's all amazon that drains her account amazon and random other bullshit that she spends on and then yeah all of the other stuff was what games his christmas Does she buy any games? She spends a lot of money on her phone games. Phone games? Sometimes I stuck really bad in my game. Huh? She pays her way through games. No, why? Because I just get stuck on a level. I'm really bad about that. What game? She has like three or four games she spends. What, you spent $1,000 in two weeks on Sims? I did do that. Hold on, what's even purchasable on Sims anymore besides the DLC? But you do that once and it's done. but it's not a thousand and multiple packs she gets all the different types of packs I like rage bought pretty much rage bought? what do you rage? he made me mad and so then I was like I don't even remember what it was about probably something with his game and what? what about his game would make you angry for you to go spend a thousand dollars on sims because I spent ten dollars on a the my game for skin or something that's it You got upset at him spending money on a game, so he spent a thousand on Sims? I don't think that's what it was. There was more to it. We were arguing about something. Probably her asking for something, and I said no to that, and then bought the $10 in the game. And she was upset. And then what are these mobile games that you're just buying the f***ing bullshit? Buying coins to pay my way through. Gems and coins, and oh my- Candy Crush, Monopoly, it's a block game. No, you are not! Candy Crush isn't even like downloaded, downloaded. I haven't played that in a while. Color Block Jam, Monopoly Go, and Fallout Shelter. Oh, for sake. Oh, my goodness. The chokehold those things have. It's so bad. Yeah, that you are doing. Stop. I think what also makes that worse is. They can't take accountability for anything. They've had two late fees this year on this card, which, by the way, was only two months of statements. So every month this year so far, you are later. Yes, that's been late for a while. And you want to bring a kid into this? Not now. Really? I want to wait until we're after. I want to get married first and then kid. Great, okay, so a kid in a couple months. Shut the fuck up. Okay, answer me this. You know, I love to ask it. Okay, I know your sex lives are rough right now, but when they're not, he sticks it in, right? Yes. Does he stick it in without a condom? I'm on birth control. Thank goodness, what kind? The thingy in my arm. Good, that's the best kind. Well done. That's the first time I can clap for protection on this show. That is one thing I am big on, is protection. In some type of way. Either it be a condom or the thingy in her arm. We have never used a condom a day in our relationship. She's had the thingy in her arm, yeah. Well, you don't need to, and that's there. Yeah. So, well done. Twinkie for life. Might be why you're a**, but... Potentially. I don't know. It's actually expired. It is expired. I need to go to the doctor. but in other countries it's lasted up to five years another yeah another i take back my applause how does this happen in every financial audit episode that's why the every intelligent person in this country is no longer having children children when they need to be the ones having children and it is literally the white trash or ghetto or or poor mother that are breeding And you guys will be breeding. I don't care. You're busting raw loads in her on expired birth control. It's been working still. Still, or you just haven't hit that window. It's FDA approved in America for three years, but other countries it's FDA approved for five years. Yes, it might mean the 99% protection might be 95 now. You want that risk? That's still better than a lot of others. It is better, but you want that risk? You want to bring a kid into this once you can't stop buying gems? You can't even have a conversation? You think you'll ever talk to your kid? Your kid will have a f***ing issue and you'll never be disciplined. He'll never be disciplined. Oh, yes, he will. No, he won't. You can't stand up for yourself whatsoever. I don't do spoiled rags. You can't do anything. Yes, you will. Yes, you will. Not kids. You do here. What are you talking about? That's literally all you do. You're a c***ing life. That's why the first thing you said when you walked into this building, for some reason, which blows my mind and has never happened before, please make sure nobody f***s my girlfriend. No. Why that would happen, I don't know. But even still, I don't think it was on anyone's mind until you said it. No, no. I told Brandon to watch himself. And now, right afterwards, green room, choo-choo! And you're not invited. You wish. Oh, God. Oh, like she'd turn down anyone here. Listen. I am happily in a relationship. I'm sure you are, and I always are. God dang. I need to go to the restroom. Pregnant B***s P-Lot Hey, chill out, chill out You are so funny She actually, we did actually have a scare a few months ago Yeah, shocker, to nobody Okay, I'm gonna stretch my legs too then Because I don't need to have a private conversation with you Y'all have really nice toilet paper Y'all got the expensive toilet paper With this, I'm gonna keep it close here We are filming We are live Oh, yeah That was in the video Shout out to Mark Thanks, Mark Thank you, Mark. Let's talk about the Quicksilver. Second Quicksilver. There's two Quicksilvers? Is it supposed to be your Quicksilver or do you have two? He has one. I have one. The capital one. Yes, the Quicksilver. Drake. I brought some packs if you want to rip some magic packs with me. Oh, thank you. Someone else already did that? I don't give a f***. It's not Pokemon. Pokemon is for children. It's magic, the gathering. I've I've I've I'm further from that than I've even been to Pokemon and I'm not even close to Pokemon How much is spending on Magic the Gathering the guy that got angry at his fiance for spending too much money I mean he spent two hundred fifty dollars on this card which was accruing So how much is spending on Magic the Gathering rip a pack rip a pack asshole rip a pack All right How much are you spending on this was the question that I asked that you will answer now It depends. I mean... Oh, my goodness. If you try to answer... 200 a month. Pause. This guy. Have you ever seen him have a conversation with someone before? Can he do it? Is he able to hold a conversation with a human being? Yeah. I don't know, man. I really don't think so. Rip. 200 bucks a month? You're bitching and moaning over here? That's not bad. 200. It could be a low car payment. I guess. My car payment's like 500. Well, yeah. You'll have a normal card payment. I got some good stuff in this, actually. Wow, somehow you made it even less interesting than the previous card rip that someone did on the show. Good f***, man. See that? That's worth some money right there. Okay. I got a Teenage Mutant Ninja Turtle. Yeah, it's from the new set that just dropped, the Teenage Mutant Ninja Turtle set. So, childhood memories, I had to get the pack, you know. And then I may or may not have bought the Commander set. Yeah. As well. Oh, did you or did you not? He did. Okay. On the way here. What the f*** are you spending on a car that you cannot pay? Oh, Animal Center. Animal Cancer Center. Yes. Our dog had double ball cancer. Had? Yes, he's doing great now. Oh, he's alive. Very good. Yeah. Okay. Yes. We're good. He's doing great. So we just chopped off the balls. Pretty much. That's good. Why do you not have pet insurance? He's older and it was a pre-existing condition. You're convinced that your friend caused the cancer? That's what she thinks. She's dumb. I am mildly convinced of this because he would flick him in the balls. And then a couple months after that, we noticed that one ball just started to look a little different. And a couple months later, come to find out that he had a tumor on his ball sack. So I mildly convinced. Dude, I think you guys are just a little. Because here's the thing. Even just how your relationship started. Even just how your relationship started. You were dating up. You were dating with someone. You broke up with your friend because of Drake, actually. You broke up with your friend because of Drake. No. Not necessarily of him. Yes, your friend. It was. And you and your friend had a huge falling out because of your relationship with Drake. It wasn't necessarily, like, our relationship was a part of it. But she was, yeah. Her cousin was dating his younger brother, and then they broke up. I don't think that's the issue, though. No. I think the issue is that your friend thought Drake was toxic and controlling. Like, I'm glad you're bringing up that other thing, but. I mean, I don't see how he is. sure but your friend did and that was the fight so it doesn't matter about the cousin I don't care about that her friend's dad was also a piece oh very good oh my gosh you guys seriously suck at this so much I don't know how I do not know how you are bad at this the conversation that happened the big fight you had with your friend was on how he was toxic and then you guys like you hear that and you're like well his dad was also a piece of shit well also he dated a cousin I don't care. I'm focusing on the thing I am talking about. Your friend stood up to you because of him. And you guys had a phone out because of that. And other stuff. Not just me. Someone else want to finish this conversation? They can't do this. Oh, they can't. Oh, they are so bad at this. Oh, for fuck's sake. Not too bad. Is anyone going to tell me about that conversation or do we just want to talk about something else? I don't know really how the conversation went. That was between her and her. I don't know. You just keep saying yes instead of answering. She said that he was manipulative and toxic. Yes. Very good. You're doing it now. Why do you say that? And from her perspective, she says that he controls everything that I do and I don't see that. Oh, this is very good. I'm surprised I had to take five minutes to try to get that from you. Is that not worth something? The fact that you had to break up with your friend because they had a perspective that the guy you're with was maybe not good for you. I don't trust her judgment. Why? She's in the same relationship with the dude that's done the same exact shit to her. Maybe that's why she can see it. But if she can see it, then why is she still with that guy? Is she still today? Yes. They actually just got an apartment together. Better than you guys. You guys moved in immediately when you never even lived on your own. You know nothing but codependence. Yeah. Which is a quick and easy situation to fall into something that is manipulative. It's a rough saying of that word. And controlling. From my perspective and the previous years, like, so far in our relationship, I don't see it as, like, I don't feel like there's manipulation or, like, I don't. I understand where she was coming from, but at the same time, I don't. It's because I wanted her to get a job. That's probably what it was. That's the only thing. Probably what it is? That's the only thing. I really don't care what she does. she can do whatever she wants. I'm not really controlling as long as I need help with rent sometimes. No, whenever I go down to the Houston area. No one has ever sent something as bad as... What the f*** is this, guys? It's like I've never had glasses or something. What am I looking at? That's, I guess, the screenshots from our screen recording of our Credit Karma. There was something that wasn't able to be sent over. I made it into a PDF, and I could see it on my end just fine. You look like a PDF. What is that even supposed to mean? $413. Needs attention. National Credit Systems. Collections? Yes. For who? That one's on both of ours. That's for the apartment. Why didn't you allow an apartment to go to collections? Because I already paid them their money. Doesn't look like it. No. I would actually say. We moved out, and they called me a few weeks later saying I owed $700 in damages, blah, blah, blah. And I owned up to it because we did have puppies at the time that kind of destroyed. So I brought in $700 cash to the apartment complex. Did they say cash worked? Yeah. And I gave it to them. I thought all was good. And then a few months later, I got a letter in the mail saying I still owed $400-something. Well, why not pay it so your credit's not – listen, I don't like it. I do not like it. I agree. But your credit is not – because it's credit. Like, I care about that more. I didn't realize it was going to go to my credit until I already went to my credit. Okay, well, why not just still kill it? So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. 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The number one ranked energy drink is Gamersubs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at Gamersubs.gg. Or click that link in the description below. Type in code Caleb. That's two months of Magic the Gathering on your... A friend said if I wait long enough, they'll send me a deal for a lot cheaper. No, not necessarily. Well, actually, no, I wouldn't necessarily say that. Usually it's going to have to be you reaching out and negotiating. But even still, this is $413. I don't even know how much effort they're going to work on. I feel like I shouldn't have to even pay that $413. Agreed. I am on your side. Is that the argument we're having? No. But your credit is... Yeah. It's been getting... Uh-huh. So on... She's saying she wanted to get a house. You still want to get a house at some point? Marriage, kids, who knows? We do. Certainly that birth control is not helping right now. the fact is not with this that would look bad I mean that's the smallest one I worry about that one less or it the easiest to get off so fix it first Moron Oh my goodness But then I have to have I don have 413 just laying around for it If you do two months of not doing Magic the Gathering, you actually do. But then I'll spend it on something else. Okay, don't. Don't spend it on putting it in a savings account where it goes to this immediately. I'll try to do that, maybe. William, let's find out. uh national credit systems 1973 what's this for if this is still all of mine i believe that's yours that's not mine yeah that's gonna be for my my appendix surgery i think um i went into the why didn't you get it on a payment plan you didn't have insurance i didn't have insurance or anything no why didn't you get on a payment plan for the 1,973 hospital pay medical bills they'll drop off in a few years. Okay, you guys just received the worst advice from, like, everyone. This is so stupid. That's so stupid, man. Is your family doing well? Not necessarily. Why are we listening to them? Because I didn't want to have to pay that right then and there. I wouldn't want to pay it either. Do we do what we want always in life? No. You wanted to blow $120,000 sitting on your f***ing ass and smoking weed. Was that good? No. Should we do what we want? you guys will be losers for the rest of your lives no i don't believe that i do listen to your answers now well and lack of throughout this conversation you guys cannot do anything in this world you're incapable you are basically mentally 15 14 13 i wouldn't say that i do i would say that actually no i don't care what you would say i feel like i really don't you are not you are not someone that has any worthy opinion on any of this. Look at where you are now. Your opinion is worth nothing. Actually, your opinion is worth negative. Your opinion is in collections. I'll give a f*** what you think. When it comes to money, sure, I guess, when it comes to finances. Believe it or not, when it comes to money and finances, that's what we're talking about. I'm not going to be a loser as far as life. I'll have a nice job. I'll start a company. Doesn't matter. I'll hit you up in 10 years and I have a nice million dollar company. Yeah, million dollar company that was able to be accomplished because of $150,000 investment. Nope. Yes, it was. You're talking about the last company. Yeah, the one that actually hit that number? Yes. It hit that number because I was there. Says every former employee. Okay. I mean, that's why they had it closed down a week after I quit. Everyone, including myself, thinks we're worth more than we actually are and we actually have less of an impact when we're gone than we think. I mean, they literally couldn't run it without me there. There was probably more happening. Come on. Looks like there was a lot of financial issues with dad taking the money from the account. We found out he was taking money from the company account to go start another company. Well, there you go. I don't think it was you, guy, that is a former employee who thinks he delivered more value than he actually did, like every former employee in the history of every company in the history of humanity. I literally scheduled everything. Oh, wow, that's hard. Oh, wow, that's difficult. I did everything for that company. Uh-huh. Yeah, that's hiring another HVAC person if it's a real million-dollar company. Buddy, you're not that guy. You're fine. You're a good worker. I am that guy. No, you're a good worker. That doesn't mean you are the bread and butter in the sauce. I wouldn't say I'm the best, but I'm good at what I do. At HVAC. And plumbing. And dealing with customers and scheduling and... Okay, those last two things are very easy. I do them now. Yeah. Contracts. I love closing the big contracts. Closing contracts. Yeah, you know, like new homes or apartment complexes that they're building up. Like we do a lot of work out here in Austin, San Antonio. The business you work for? Yes, the current business we work for. Chat. Chat. Save me from this one. Okay, who owes 949 in collections? I believe that is also mine. Oh, seems like you're actually the horrible one. That one is also for the appendix. I think that was the appointments afterwards. Payment plan. Okay, Midland Credit Management, 2079. That one's mine. Very good. We're back to Alexis being bad. What is it? After the dog fight, both of my hands were covered in really, really bad scar. Payment plans, guys. And I got laser treatment. Payment plans, man. I'm not saying, listen, I don't even like our health insurance system. Don't get me wrong. I'm not even defending it, but just I don't understand why you want your credit. you just allow it i feel like they never gave me the option for payment plans at least when i went in for the hospital and shit they were just like it's going to be two thousand dollars unless you have insurance and i was like i don't got insurance can i get on a payment plan i have a question regarding that because it's through care credit well this is paid around a credit card so the credit card went to collection you're not going to get on a payment plan for the credit card you actually already had one it was called minimum payments you should have done that that's that you didn't this one's even worse because you're just a moron how do i go about like i'm not able to get into that account to be able to pay anything? It's because Midland Credit Management owns this debt now. You have to contact them. Okay. I wasn't sure how that worked. I'm not even sure how to pay some of that stuff off. You guys have never tried to look anything up in your lives. I've tried to get into the Care Credit account. Do you guys have phones? Do you guys have a computer? A tablet? Do you guys have the internet? Yes. In San Antonio, I know it's like... I'm not very tech savvy, though. yes googling is very tech savvy i know since san antonio is like 25 years behind every other texas city but i you guys can use google yahoo who uses yahoo anymore that was the point and kind of the joke not very good one that i was making i'm who's why why why are we late on our insurance some insurance i don't even know what insurance of insurance put together wonderful why and what insurance well that was that's our car insurance losers for the rest of your lives and there's gonna be a kid brought into the picture how this happens our dog was going through the surgery and that was all expensive and so i just wasn't gonna put it on a credit card no no that's not how much was the surgery uh after everything around 5k between everything i couldn't we couldn't get pet insurance because after he was diagnosed they won't take him well yes that's i'm advocating for obviously yeah you don't get to hey i need car insurance i just got in a car crash he's also old too he's older well that's gonna make it hard but that's why you should have had it before i'm sorry i know that really wasn't a thing until like he was already seven or eight when was he seven or eight like he's two three years ago okay lies i've never really heard about pet insurance you've never heard of anything neither of you have ever heard of anything. You can't do anything. I've had pet insurance for almost seven years. I don't even got insurance on myself. Well, you're broken. Do not have children. And hopefully that allows natural selection to take care of itself. T-Mobile. We're unpaid. That's the same thing I had. Do Helium Mobile. It's the same towers as T-Mobile. I can't. Why? I have everybody on my phone plan. My whole family. Stop. You are an adult. You are on your own. I don't give a f*** about them. I mean, I do. a little bit. A lot of them are my little brothers, too. I also do not care. Your parents can be parents. Well, that is the thing. My dad used to pay for their phone bill and have it on theirs, but then he would forget to pay, so everybody's phone would get shut off. I don't care! This is not your responsibility. You can't take care of your own bills. You can't take care of your own bills. I still pay them. I never said I was on time. No, no, no, no, no, no, no, no, no, no, no, no, no. You're multiple months behind a lot of things. Get off. switch to helium shut the fuck and you used the mind card used previously the fizz card debit card that builds credit can't spend more than what's in your checking account it's all what you people can handle you can't do anything else you guys are failures failures at conversations, life and finances finances, sure everything else, yes especially conversations when it comes to finances, sure buddy, I try to talk about a lot of different things here you could not do that. Revolving around finances? No, revolving around. I was just trying to get an example of a conversation you guys have had, and it required Lindsay telling me. You guys can't talk. We talk all the time. But you're just saying nothing. Yeah. Listen, when is I got a gas? Bullshit. When is I got bullshit? Vaping and smoking. So you buy from your own store? Sometimes. Loser. Bought from your own store? Loser. Text Bass. I don't even know what that is. Gas station. Okay, well, you went and got some bullshit because that ain't gas. Most likely a rebel. Was that your cash app or mine? That was way too many transactions to be mine. But that's her with my cash app card. The gas station ones. That would be me. How are we even having unprotected sex with birth control that is broken when you do not have health insurance for yourself? Like, it's so irresponsible. And also, why do you not even have health insurance? Get just the critical coverage one that is like the cheapest there is. Well, because I had it. That'll prevent bankruptcy. And then my mom took me off of it right before the appendix thing, actually. So it kind of sucks. Does it matter? You'd be taken off in a couple years regardless. And then I had it again with a different company, and I left that company. That's wonderful. I ask why do you not have it now? Just because I never set it up. I don't know. Because you guys are incapable of anything. Waiting for my employer to be able to offer it so it's cheaper on me. Will they? Eventually. When? We just started the service side, so there's only three texts right now. So he's waiting to get a few more texts. You guys are incapable of everything. Okay, this must be a car, $8,547.73, and a 13% interest rate. Whose car? That's ours, but she drives it. What is it? Honda CRV, 2018. 13% interest rate. Why? I didn't even know what interest rates were until after. Because we don't know anything, because we can't Google shit, because you guys are incapable of literally living. I don't know how you made it in here. I've never heard of roads. I've never heard of gas. I've never heard of putting in an address into a GPS system. It's worth, surprisingly, 10,000. So you guys actually have an equity position of about 1,500. I wouldn't know about that. You wouldn't know about anything. You don't have to say that anymore. I'm assuming that for every topic in the history of everything. Okay? You don't have to tell me. You're going to drop your kid on its head and you're going, I had no idea that that would be bad. I don't understand. I don't understand. I don't understand. Like, what the fuck? You're the guy that the girl says, I had no idea. I couldn't do it without fucking asking. It's like, ah, you can't do anything. I would never do that. And I could do it. Would you even know if you did? Yeah, I think I would know. I don't think so. I don't think so. I didn't even know I had to wear a condom. I didn't even know vaginas is where the babies came from. I didn't even know. You don't know anything. I know a lot. Maybe just not when it comes to my finances. Buddy, you know HVAC, and that's it. And plumbing, and carpentry, and a little bit of electrical. Trade work. I could build you a house. No, I would never trust you to build me a house. That is the last thing I would ever do, allow in my life. $496,091. A lot nicer than the houses that go up around here. But not nicer than the houses I own. $496,091 is your minimum monthly payment. Yes. checking account who has usaa me okay 1300 in there not horrendous 25 zelda that was probably got some bullshit bullshit apple cash money sent 140 464 must have been your deposit when inside got some bullshit when inside got some bullshit when inside got some bullshit when inside got some bullshit ten dollars sent out Winning's I Got Some Bullshit $21 went out Cash App What are we doing with all this? My brothers Will like Transfer money to each other If like We're at a store Or they'll be on a job site And they'll be like Can you give me some drinks Or food or something And so Or vice versa I'll ask them to give me some money P. Terry's Burger Stand Groupon $56 Winning's I Got Some Bullshit Las Palapas Zelenai $80 San Antonio Zoo Cash App Cash App 170 there. Cash App 150 there. Storage? You paying for storage? Am I? Yes. What storage? My postal? Oh, that's for my company, I guess. I have a DBA, and I have to have a mailbox for it. Why not your house? Why use my house? So you don't pay for... You can't. It's not my house, so I don't know if I can. I rent the house. I don't know. Even just pick a random... I don't know. Well, mine was my house forever. Maybe I was doing that illegally. Did you own it? Yes, I did own it. I don't know. A place you rent? That's a good question. Actually, I don't have the answer. Fair enough. Okay. Hey, that's... Do you know? Exactly. And guess what I'm going to do? I'm going to look it up later, so I do. It's weird how that works. You know, when it's I got some bullshit, when it's I got some bullshit, Cash up out, cash up out. The clothes spin, Disney Plus. Cash up out, cash up out. Clothes spin is not bullshit. That is laundry because we don't have a washer and dryer in the house. You can't afford one. We could win one. We could. We just didn't have space. We don't have a space to put a washer and dryer. We had the ability to buy one. Okay, calm down. Apple cash sent out. Game, Xbox game. I don't even know. Maybe it's Game Pass, but it just says Xbox game. It's probably the Game Pass I buy from Marvel. Prime Video. I post the storage again, so two times in one month. It only should be once. Two businesses this time? No, it's not only one. Amazon Prime, Apple Bell, Apple Cash out, Zelle, Netflix, Microsoft, Amazon, Home Depot. I post a storage, Apple Bell, I post a storage. Why are they charging so much? $40 there. Yeah, you're getting this. I post a storage. Dude, it's like, dude, dude, dude, dude, dude, dude, dude. I thought it was only supposed to be, it's supposed to be like a $5. Zelle, going in against the bullshit. Yeah, you don't, yeah, just fucking look at your accounts, asshole. Put it in the Dallas. It's automated. It would tell you like, hey, what's this? This is reoccurring. What the fuck is going on? It would automate it immediately. Bigs 205 going inside getting some bullshit. Selling out $2.75. Your checking account started with $0.38 and it was $6. What the fuck is wrong with you? AppleBill. AppleBill. Go inside getting some bullshit. Maybe don't do that. Little Caesars. Maybe don't do that. AppleBill. Maybe don't do that. Little Caesars. Go inside getting some bullshit. Maybe don't do that. You don't have money. Go inside getting some bullshit. Maybe don't do that. You don't have any money. When inside got some bullshit. Maybe don't do that. You don't have any money. AppleBill. Maybe don't do that. You don't have any money. When inside get some bullshit. Maybe don't do that. You don't have any money. Have you ever considered that? That's an interesting solution. Phone. Give. Now. Oh, no. If you're looking for all the subscriptions, it's probably going to be on my phone. Give. Okay. Crunchyroll. Apple won. And not Hammer Lee. You got just the thank yous here, which doesn't really make sense. Yeah, Hammer Elite Tour, the good one. There's three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. I don't pay for it at my end. I know, but the value for the money, it's the best there is. That's why it's number one. She's paying for Gmail and iCloud and Canva. Who the f*** are you paying for Canva selling vapes? All of the wedding stuff, I've been doing it. Yeah, we can really afford a wedding $10 in savings. $0 in this one. Yeah. I think I only keep $10 in there. You owe money to cash out. Your account's not here at $241? Yes. that's been negative for a while. Why? Same thing with my credit card. I borrowed the money and then I... I buy the money. Borrowed and then didn't want to pay... I buy the money I borrowed? What? I borrowed the money from Cash App and the Cash App borrow thingy and then kept forgetting to pay it back and or just not paid it back. How much bad debt do you guys think you have? 15 to 20? I feel like mine's around like 3 to 4K. personally. The household moron. Oh. You're getting married in a couple months. I'd say like 10. Okay, 22,000. That's probably with my friend's car in there as well. Is it? Yeah, I got a friend with a car. What? Tell me. I helped him get a car a few years back and he was supposed to be making payments on it. You borrowed it though? No. No, I was one of the signers. No, you co-signed in your friend's car? He was the main signer. I've learned my lesson. Have you? Yes, I will never do that again. But he crashed it. I guess the insurance didn't pay out all of it, so he still owed a few grand on it, and he still hasn't paid it back. And I'm not going to pay it back. That's for him. Are you still friends with him? Yes. This is the same friend that I'm, like, mildly convinced gave our dog bald cancer. Okay, you guys are just pathetic. Yeah. In life. I'm so f***ing done. Your debt minimum fee payment is $586.91. $5,500 comes in, maybe. I don't know. Your income is going to zero. What's your rent? $1,100. I'm going to call this friend in the post show, and I'm going to yell at him. Okay, give me the... Good luck. I'm good at yelling. Give me the gas, electric, water, all the utilities plus the internet. How much? $550. Phone bill, normally. Right at $500. $496 or something. And you pay for all? They don't give you anything? No. So they will... My dad, he pays late. He will pay like three or four weeks late. Like he just paid me now. Okay. He's off. He's done. Get your own phone bill. We're doing healing. Do you guys own your phones or are they payment plans? Mine's still being paid off, I believe. Mine's about to be paid off. It's being paid off. Okay. Then we'll do $140 for phone plan. Yeah. And all my brothers pay for that. Gas and Vroom Vroom Drive Drive. Leave that home plan. It's not an option. Like $200 to $300 a month. Both combined. Okay, car insurance. That's $390 something because it just dropped from $400 to $300. Pretty brutal. $390. Okay, food, $600. Use the meal plan. She crashes every car. I've been crashing a while. TP fund, $150. Anything else you need to survive? Makeup, birth control, whatever you need. All the good stuff. Medical, health care. Are there co-pays? Are there shit? I'm still on my parents' insurance, so I... Okay, I'm putting in $200 for you to literally get the worst health insurance ever, but it will prevent you from going bankrupt. Let's do subscriptions. $40. Pets. We have one dog? Two. What's the other? Health and age. She's five. Just turned five. Health insurance for her, $50. Pet insurance. How much for pet food? $40 a week for the big bag? It'd be about $150-ish a month. Jeez. They're about 30 to 40 bucks a month I don't know if you guys in the world are being able to afford that But we'll find out Sometimes our dogs eat nicer than us Our dogs are always fed We might not be Shut the fuck up You guys are going in and buying bullshit every day That is the dumbest shit ever I've actually gotten better Oh have you gotten better? Yes for the past few months I have not really bought lunch Objectively I have last month Shut up I'm so done with you $4,256.91. I'm sorry if I'm being rude, but I literally have it in front of me. Shut up. I literally have it in front of me, asshole. You still stop in and get bullshit even if you pack lunch. It makes it even worse. Okay, listen, with the flexibility and weird medical shit, I'm going to say there's $1,000 left. And that's if you make your average of $55,000. You just need to average out through the high and low months and save up for the low months. But even still, at least with that. so is your friend's car thing in collections yes okay which one is that san sanitate i believe santander santander yes yes because we're global winning when when did that go to collections uh last summer okay you want to have that credit for almost a decade no he he did tell me last week that when he gets his tax return he's gonna pay it off okay i doubt he's gonna get 7,000. He has a child now. That'll help, but with someone? Yes. He's with somebody who has two other children as well. That tax return money is going to her with the child. He's not head of household. She makes more than him. And it's her house. I'm going to minus that debt for now, because if you focus on it, it'll be the last one, because hopefully he grows up, but I have no hope in that. So, bad debt, $14,724, with your, obviously, $1,000 a month. It takes 14 months, 15 months to pay off. then a fully funded emergency fund and then start investing because you guys obviously have nothing it's all very basic stuff the thing is it's not complicated you guys are just losers you can't have conversations you can't do anything you can't talk to each other you can't stand up you can't advocate for yourself you're going to quit your job you say nobody hired like shut the fuck up you will have a thousand excuses why this will not happen but it's the it's one of the easiest things i've filmed in months easy as that i'm so done i am so done and sell the bus pay off the that. I can never. Stop being a dumb... Okay, then fuck you. I don't give a shit. I don't give a shit then. If you're not willing to sacrifice, I don't give a fuck about you then. Does that have to be a sacrifice? Yes. Alright. I'm doing the Hammer Financial. Shut the fuck up. I'm doing the Hammer Financial score. Join us in the post. I'm done with you, dude. You're not willing to sacrifice? Die. It's making me money. Shut the fuck up! It'll make you more money selling it, paying off the debt that have minimum payments. Dick. Hammer Financial score. Spending in a budget. 0 out of 10. They overspend by a few hundred bucks. Surprised he knows only that. Debt collection 0 out of 10. Emergency fund 0 out of 10. There's nothing. Retirement nothing 0 out of 10. Real estate 0 out of 10. First in a long while. Hammer financial score 0 out of 10. Get yours at CalebHammer.com. Join Hammer Elite, the best membership on YouTube for a reason. For the post show, I'm going to call this friend and I'm going to talk to him. Oh my. There is something crazy. Okay. Okay, we got to talk about Mexico. Oh, God. What the? I'll see you guys there. No, we didn't. I had to bribe him to stay out of jail. How much did it cost to bribe a cop? Oh, my goodness. Dude, you could have got f***ed. Call him. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.