I Exposed Her Cheating On Financial Audit
100 min
•Mar 30, 20262 months agoSummary
Financial Audit audits a former couple (Lily and Bernard) from Southeast Texas who remain financially entangled despite breaking up four years ago. Lily, a chip company sales rep earning $78k annually, supports unemployed Bernard with rent, allowance, food, and gifts while maintaining a relationship with another man for 3.5 years—creating a complex web of financial dependency, hidden spending, and undisclosed arrangements.
Insights
- Financial entanglement with exes creates enabling dynamics that prevent personal growth and accountability; clear boundaries and complete separation are necessary for both parties to move forward
- Lifestyle inflation and daily discretionary spending ($1,300+ monthly on food, energy drinks, alcohol) can sabotage debt payoff efforts even when income is substantial; behavioral change must precede financial restructuring
- Undisclosed financial arrangements in relationships constitute a form of infidelity and erode trust; transparency about money flows to exes is essential for healthy partnerships
- Substance abuse (daily alcohol consumption, marijuana dependency) and financial irresponsibility are often interconnected; addressing addiction must precede any financial recovery plan
- Parental financial control and enabling (mother managing accounts, taking money for bills, second bankruptcy) perpetuates cycles of dependency across generations
Trends
Rising prevalence of financially entangled ex-relationships in younger demographics, complicating modern relationship structuresNormalization of hidden financial arrangements and selective disclosure in relationships, particularly regarding support for exesIncreasing substance abuse (alcohol and cannabis) correlation with unemployment and financial instability in working-age adultsCredit card debt accumulation through small daily transactions ($5-15 purchases) rather than major expenses; death by a thousand cutsGenerational financial dysfunction: parents with bankruptcy histories enabling adult children's poor financial habitsGig economy and unstable employment patterns making traditional debt repayment strategies ineffectiveSocial media and streaming services (OnlyFans) creating new spending categories for financially unstable individualsMotorcycle/luxury asset ownership by financially distressed individuals as status symbol despite inability to afford basic obligations
Topics
Financial infidelity and disclosure in relationshipsCredit card debt management and interest accrual401k loan misuse and retirement planning failuresUnemployment and job search barriers in regional marketsSubstance abuse (alcohol and cannabis) and financial impactParental financial control and adult dependencyDaily discretionary spending tracking and budgetingEx-partner financial entanglement and boundary-settingMotorcycle financing and asset liabilityStudent loan repayment strategiesEnabling behavior in relationshipsRegional employment challenges (construction, trades)Checking account management and overdraft patternsAllowance systems for unemployed adultsWorkplace relationships and power dynamics
Companies
H-E-B
Major supermarket chain where Bernard was hired but quit after failing drug test due to marijuana possession in his bag
Walmart
Employer where Bernard worked for one year at $9/hour full-time, one of his longest-held jobs
Kroger
Major grocery chain where Lily works as a sales rep for a chip company, visiting stores for product placement
OnlyFans
Subscription platform where Bernard spends $15/month on content, contributing to his credit card debt
People
Lily
Guest who earns $78k annually, supports unemployed ex-boyfriend financially while in 3.5-year relationship with anoth...
Bernard
Guest, Lily's ex-boyfriend of 4 years ago, currently unemployed since July, financially dependent on Lily, struggles ...
Caleb Hammer
Podcast host conducting financial audit and analysis of guests' spending and financial decisions
Lily's current boyfriend
Unidentified man in relationship with Lily; unaware of full extent of financial support to Bernard; works at same com...
Quotes
"I financially support a grown man who just can't get a job since July."
Lily•Early in episode
"Why are you with this pathetic excuse of a man? He's a child, he's a joke. He's a beta, he's a bitch."
Caleb Hammer•During initial reaction
"I only have so much money every week. How much does spent going out to eat? At least $12 a day."
Caleb Hammer (questioning Lily)•During spending analysis
"You're not willing to leave him, you're not willing to stand up to your parents, you're not willing to even move in with the boyfriend of three and a half years."
Caleb Hammer•During financial assessment
"I figured one day I'd have a job and I could start paying on it. Like it did in January? Like it did in July? Like it did in March? You've had fuck jobs."
Caleb Hammer•Discussing credit card debt
Full Transcript
To watch episodes of Financial Audit a week earlier, check us out on YouTube. How long have you guys been together? We broke up about four years ago. Are you dating someone yet? Yes, three and a half years. What does that guy think about you being here with your accent? You can't stop giving money to. I don't think he knows. I did not tell him that we were coming here. You threatened to call the cops on me if I put my hands on you. That'd be thank for that. Not the first time I had a call to the cops. Better be thankful for that. Oh, fuck, okay. So you guys slept in separate rooms? Yes. Yes. We slept in separate rooms. We certainly did not sleep together. And I got the receipts, okay? Why is he giving that face? This is the last week. Dollarwise is finally here, sending waves through 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, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan and a 33% discount for the first three months for the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and MealDirectly.du. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, my name is Lily. I'm 29. I'm Bernard. I'm 34. We are from Southeast Texas. And this is Financial Audit. Guys, thanks for coming over to Austin. I really do appreciate it. Lily, you're right in front of me. I'll start with you. What do you do for a living? I am a sales rep for a very popular chip company. Chip? Yes. Okay, so you go around to the grocery stores. Yes, I'm in the big grocery stores. I'm not in the trucks. The big grocery stores like H-E-Bs, Kroger, all of them. Not in the... In the trucks. We do both sides. Trucks? Yeah, I go to convenience stores. Okay, what do you make? What's your monthly pay? So I'm salary.70, but I do a lot of overtime. Salary? After taxes? How do you get salary and then over? Okay. Okay, well, no, never mind that. It's just a little less common, but go ahead. After taxes, I make about $78,000. That's what hits. Good. What hits your account on a monthly basis? That's great income, especially for... I mean, you guys are like an hour outside of Houston, so the cost of living dramatically goes down. Right. I'm sorry, what was the question again? What'd you say? What hits your account net on a monthly basis? Oh, I think I did the math. I was like 6,500. I'd hope you'd do the math. How the fuck else would you budget? Okay, 6,500. What do you do, Bernard? I am currently unemployed. Well, that 6,500 has to stretch everywhere. Why are you unemployed? I cannot seem to procure employment in my area. Cannot? What does cannot seem? I try. I mean, I have a note here from Lily. I financially support a grown man who just can't get a job since July. She used that. She had one that was her words. You did that one for Spice. Yeah. Also, I financially support a man who keeps getting fired from every job he's ever had. That's pretty, I quit sometimes too, that happens. So even more of a child, okay? So what, what is your industry that you can't procure a position in? Well, I've worked predominantly in construction and the restaurant industry. Why can't you procure construction? Because that happens everywhere, especially in states that build like Texas. It's very nepotistic. I don't know anybody. Very nepotistic construction known for nepotism. Pretty sure it's known for- You gotta know somebody. Like illegal immigrants of anything. Well, I'm also not. I'm also not. Yeah, but also not really. But I mean, kind of, I mean, here and there, but construction's booming. I know it certainly slowed down over the past year. The old guys that are in the trades, they don't want to hire young guys because it's threatening them. So why are other people getting jobs and not use specific? And also you're 31. That's a good question. You're 31. There's only so much to go around in a small town. Okay, and you're the only, okay, it's not that small of a town. It's a lot smaller than here. You're the awesome, yeah. Yes, are Houston? Well, yes, Houston is the largest city in the US. LA, the second largest city in the US. Houston's about to be number three. Austin, the 11th in the US. Yes, I don't think we're comparing it to the top dogs. It's from a town like I am from. Well, isn't that town like a quarter million metro probably? About 183 last time I checked. Metro or city? City. Okay, so probably about a quarter million metro. It's also disrepair. It's falling into entropy fast. Perfect, so it needs construction. Construction jobs. But that is like from the town that I'm from and there were jobs everywhere from construction in Michigan. Doesn't even build like Texas. So I think this is a you problem, especially if it's since July. Listen, I would say I'd get it if it was a couple months and you're struggling on. Since July, the fuck you doing? I certainly do think that I bear a certain amount of responsibility for that. I would hope so. There's also the issue that even if I found a job, it's not going to like take me out of the position that I'm in, especially like a retail job. Is this the position you're in being a loser? Yeah, pretty much. I don't know you enough yet. What's the threshold to not be a loser? 50K a year? How about you just get a job? I'd love to. You'd love to? What is he doing to get a job? Well, I'm putting in his applications right now. So not very much. I've had several interviews. You rely on her, the woman who was working overtime to pay the bills for you to do that. To even get an interview, even at a minimum? What is wrong with you? You know how they have the assessments? Well, maybe not just you have a job, but when you apply for a job, they make you do these assessments on the computer. Yes, I've applied for jobs before. If I do, I always get rejected. Did you graduate high school? Yes, I did. Did you go to college? I did close to half semester college. And you dropped out? That's okay. I did too. I didn't have the money for it. Actually, my grandfather told me he'd pay for it. When it came time to pay for it, he refused. He left me with the bag and I couldn't afford it. So I left. Well, I'm having a hard time. I have insipathy when she's the one putting in job applications for you. Well, this is a long time ago. Long time ago, exactly. You're 34. You ain't the young one anymore. What do you mean? They're not letting the young ones get in. You're like almost towards the middle of your career. Your middle of your career comes in a few years. What? What are you talking about? I played at every electrical place I could find in the Golden Triangle and all of them said they were full upon. In the Golden Triangle? Okay, they were seeing this before filming. I know there's the Texas Triangle. It's called the Golden Triangle. San Antonio, Austin, to Dallas, to Houston, to back. And apparently they're in South East Texas. I still don't really understand it. Hardening County, Jefferson County. Because it's literally, you take Austin, Central Texas, you go East, that's where they are. All of a sudden that becomes South, even though we're central, doesn't really make sense. South is like South, Audrey. Now that's also center, I wouldn't say that's Southeast, but that is South, it's not, there's no Southeast if you go down from there. It's just a gulf. I would have came up with a different, I would have called it the butthole of Texas. Okay, if it was up to me. Yeah, that's great. But all I know for a fact right now is your procurement of jobs is actually her just buying weed for you while you watch TV and play video games all day. Essentially. Why are you with this pathetic excuse of a man? He's a child, he's a joke. He's a beta, he's a bitch. What the fuck, why are you, how long have you guys been together? We were together for four years. Oh no, we were together for almost three years actually. Oh no, yeah, we broke up about four years ago. Why are you guys together? No, we're not together, of course not. Why the fuck are you here? What are we talking about? Well, I mean- What the fuck is going on? Why do I have to- We're financially entangled. We're financially entangled. Oh shit, okay. Wow, that's the first in this show. No, that's actually interesting because that is the situation that many end up in. Okay, good, I'm going, wait, why are you finding this weed in fucking while he just plays video games? Do you guys live together? No, we don't live together. I live with my parents. What the fuck is happening? Who do you live with? I rent a shack from my buddy. He's got like a tool shack in the yard. Dear such a- And I rent- Well, I'm glad you escaped this because what the fuck? I don't understand why you're still funding his weed in gaming. Well, I mean- Oh, you pay his rent too. Oh my fuck, what is happening? I'll be honest, I'm actually kind of excited because it's rare that we get a completely different kind of landscape of a conversation in financial audit honestly these days because so many financial conversations you can have. And I was actually a little disappointed for a second. I was like, do I need to yell at casting? Why do I have a couple that isn't together? But no, you guys being a broken up couple but still financially entangled, this is curious. And this happens to couples every single year. I don't know, it was much about four years later. I would suggest, I mean, you're a loser and also you have no balls. Well, I would like to add that this hasn't been the thing for four years. She hasn't been supporting me since we broke up. This is more of a recent thing since I lost my job. Bro, he's gone. And he lost his job in July. What the f*** are you gonna do? Are you just gonna support a child for the rest of your life? No, the end goal is to help him get on his feet. But I mean- How are you helping him by taking care of all his bills while he just smokes weed and plays video games all day? In what way does that actually get someone on their feet? I must agree, I am an enabler but I mean- Yes, you're an enabler. He's trying, he absolutely tries. I mean, he goes to interviews. I mean- After you put in applications, how much effort do you think he's putting in these interviews if he can't even put in applications? Come on, be honest. I- I- Are you dating someone yet? Yes. What does that guy think about you being here with your ex that you can't stop giving money to? What the f***? I don't think he knows the full extent of it. What? Really? How long have you been with this guy? Three and a half years. Oh, f***, okay. What the f***? Okay, so you don't think he knows the full extent. You tell me what the f*** is going on? What the f*** is going on? Dude's getting cucked in 4K financially. What the f*** is- How does he feel? I mean, he trusts me, obviously. He's very self-confident and he's very sure of himself. So, I mean, he knows that I love him and I'm not gonna cheat on him. So, yeah, he's not happy about the situation. I don't think any man would be. I don't think it's a relationship ender but he's definitely not happy and I would like to be out of the situation. Three and a half years. You guys are progressing to a more mature relationship, maybe even next steps, right? Yes. And he wants f***ing F-tier curly-haired man loser to just follow you around the rest of your life, including him? Following him around with your ex? No, no way. I don't want this to be the rest of our life. That's for sure. I definitely want some separation and maybe that's the whole reason I'm coming on here. Do you guys have feelings for each other? No, I love him very much but not in love. What the f***? This new guy. What extent does he know? I mean, he knows pretty much everything. Really? He just said not much? I mean, he knows but he does, not the financial parts, I guess. I might know why he did that. That's the conversation. We're not really intertwined. So pretty much everything except for anything. You guys stayed in Austin last night, right? Yeah. Just stay together? I got two different hotel rooms, obviously. I'm not like that. Come on, Caleb, come on. I'm asking, I'm just asking. So you guys slept in separate rooms? Yes. Yes. We slept in separate rooms. We certainly did not sleep together. Don't even, don't even. Like this, yes. I'm just asking rooms. I got the receipts, man. I got the receipts, okay? Why is he giving that face? We did not sleep together. I want you to listen to me. I'm gonna say this again. I did not have sexual relations with that woman. I'm not asking that. I'm asking if you slept in the same room. We got two rooms, one for her, one for me. I slept in my room and she slept in hers. We've been doing this walk a long time. We stayed watching few dramas. And then she went to her room. Okay. Okay. Should we call this guy at some point? This is crazy. I feel like we should. What the f- Okay. Okay, you're a loser, but also you're a f- weird dude. Yeah, it's a really weird dynamic. Oh, that you are doing. And staying up and watching Futurama together. It was family guy, but yeah. I think you'd only want to call me a loser, Mr. Hammer. And what would be the opposite of that? What I'm seeing. What's the threshold and I'd be a loser? Is it 50K? Okay, on a point, smoking weed all day. She's applying for jobs for you. She is, you fail every interview, every assessment, all the basic shit. I don't need you to be an electrician. Do you have a certification? Have you gone to trade school? I had a certification, but it expired. Well, there you go. How about you renew though? What the f- is wrong with you? Listen, I'll get you a- I couldn't find a job, so I didn't have the money to put to renew in it. Okay, well, fund that instead of funding this weed. Moron, what the f- is wrong with you? Yeah, I definitely need to prioritize. I've been letting him kind of run wild and now it's time to get the reins on it. I disagree with the framing of that. I wouldn't call it running wild. Really? My f- guys, the story, just this, okay, I didn't know. I had no idea what I was walking into. She makes him lunch every day and drops it off for him. Yeah, I start working at 330. We did that so that we wouldn't be going out to eat lunch every day. We? We? We? Who the f- is a boy for three and a half years? Who is work going out to lunch every day? What are you talking about, we're? Well, before when she wasn't dropping to lunch off, she'd get off of work and I'd be hungry and we'd go get something to eat, like a McDonald's or something. And then it was me, by the way, who had this idea to actually buy actual food so that we didn't have to do that shit. That's not the point of what I reacted to. Come back to us. He likes McDonald's. Come back to us. Whoa, do you not understand? What the f-? You make him lunch every day? Almost every day, if I don't wake up late, I don't want to be late for work. So you live with your boyfriend? No. Three and a half years and you don't live with your boyfriend and then you leave your parents house and you drop off food to your ex? Yeah. So you don't live with your boyfriend? Right. Of two and a half years? Three and a half. Of three and a half years. Would you leave your house every day to see him first thing? My boyfriend's very self-sufficient. I don't need to do that for him. That's not what I'm asking. That's not what I'm saying. You have a boyfriend of three and a half years and every day the first thing you do in the morning is see him. Oh yeah, I know that for sure. It doesn't escape my mind. Well, you're the one doing it. I was your first. Are you trying to win your way back? Don't even. Are you trying? Who broke up with who here? I broke up with him. Well, no, that's not true. Initially I broke up with you. Oh, okay. And how's the win back campaign gone? There is no win back campaign. Okay, so in the financial entanglement, you say that's what the current boyfriend doesn't know? Correct. So you're saying he knows about the lunch every day? Yeah, I think, yeah. He knows I make him lunches every day. This is a load of barnacles. Okay. And did he know about the late night family guy, future drama extravaganza? I did not tell him that we were coming here. Is that bad? He won't watch it. Are you actually kidding me? I didn't want him to talk to you about it. You have to say what is happening right now? This is the most insane thing I've ever heard in my life. Well, you didn't tell anybody who was coming. I didn't tell my family either. You don't have to tell them. I think she told one person. But your boyfriend, that you're going with your ex, that you drove all... Is there any... Is there... Oh, we have to call this man. No. I don't know if it's gonna be in the main show and the post show, but no, no, no, no. It's not an option. We're calling this man. You bought a solar panel for him too? I'm so confused. What the fuck is this? What is this? You bought a solar panel for him? Not like a big one for his house. What do you mean? It's like that big. It's enough to charge a little battery pack that I can charge my phone on, basically. What? Wait. If you can't charge your phone, how do you play video games all day? Well, I haven't handheld. I bought my handheld for Christmas. You bought him a handheld for this previous Christmas. Yeah. A couple of months ago. Well, he had a switch, but it wasn't working. Like, he wanted more. What is it? A dream deck? A steam deck? No, it's an amber neck. It's an Android thing. So on the switch, I have to buy video games so that's more money, but on the amber neck, I can just play the games I already own. So I actually haven't spent any money on video games since Christmas. Yeah, because I... Well, that sounds completely true. Yes, it is. I'm pretty sure you went to Game Exchange a couple of times. Do you not feel bad about this? Not even the fact that she's thinking, the fact that she has a boyfriend, that's the egregious part here in my mind. Oh, he doesn't care. He gives no shits. What do you think about her boyfriend? I'd put him in a body bag. Ah. So not the biggest fan? They've never met. Certainly can be. He's never met the guy that you're spending all your time with? No, no, he hasn't. No, but... Colton, this is insane! Where do you find these people, Colton? Oh, jeez. Not in real life. No way. What the f***? So he's seeing this. I don't think he's ever watched it, but I'm not going to tell him. There's a halfway decent chance a short or clip will pop up. As much as he likes finances, you'd think he'd come across this show. Yeah, he's very good with his finances. Okay, fine. What has he told you about Mr. Bernard being around all the time? What has he expressed? What has he shown you? What are the conversations that have happened? Well, he gets pissed every time I tell him I'm doing... Like, he's not happy about the lunches or anything like that, but he still... He doesn't really have an opinion. How about the existence of Bernard and the fact that you see him all the time and buy him all this stuff? He doesn't like it, but he understands. Understands what? Understands how? What is his understanding? What does this he understands? Well... This is insane. I mean, we broke up a long time ago and there was a reason for that breakup. So... Yes? I'm pretty sure he knows it ain't going to happen again. But, I mean, his living situation right now is not very good, and I'm actually more focused on that and getting that fixed than focusing on my relationship right now, which is really bad to say, but it is the truth. Okay, my friends, I respect the rules. I will not break the rules. May I tell the audience what the rule is? Sure. Because they will be confused. I need to share from you as well. Okay. Okay, because I can't do it, because they will be confused why I haven't asked it. Okay. I cannot, and now I understand why, ask questions about sex between them. So, that is the last time that will be mentioned, and we will not go deep into that. There's also another rule about comparing their dick sizes. I didn't understand that one, and now I do. But, I appreciate you allowing us to tell the audience what the rule is. It's okay. Yeah, no problem. And now we will not go into those subjects as you have requested. Does Bernard ever go over to your house, let you live in with your parents? Yes, he's allowed over once a week. What? What is that? I've never heard anything like this in my life. What the f*** is that? I can only come once a week. Oh, I'm gonna come. He's allowed to come over to do his laundry and take a shower. Play Xbox. And play some Xbox. What the f***? What's wrong with that? Oh, shut the f*** up. Are you serious? What the f***? How do you feel about all this? But I'm kinda, I kinda... Partially how I feel about it is, I don't see why I can only come over once a week. I don't see why I can't just come over. Yeah, who made that rule? My father. And why? Because he doesn't like anything since he's a mootcher. Here's the thing, you know, it's actually kinda crazy. This is weird how this is working right now. I despise you at the beginning, thought you're a loser. And yeah, I mean, you probably are technically a loser, but I kinda like you. What? I kinda like him. Duz is kinda winning, right? He's just kinda winning. Like good for you. Oh, my dime, come on. Yeah, but you're not stopping. Your dad's the one who had to implement rules because you couldn't. Fair. This is crazy. This is actually f***ing crazy. We will call this, we will call this boyfriend and tell him, we have to, I'm sorry, this is not an option. You didn't say there was a rule before, so we're going. We're f***ing going. My gosh, okay. So wait, where do your parents think you are right now? They think I'm my boyfriends. Your parents think you're spending the night at your boyfriend's house right now? Yes, yes. The more they don't know, the better. I think we should call the father as well. No, no. Absolutely yes. This is absolutely crazy. So why, okay, because we will look into the financial entanglement, but what was the break up that allegedly happened, but I guess hasn't really happened? No, please, tell me. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock and money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise. Bill's play these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download and now start the free trial. Dollarwise.com, link in the description below. 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 $350 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. Link in the description below. Sign up for time, get that $350 right now in your checking account. Well, we watch you guys break up. We explain the break up. We started living together when we, we started living together early when we started dating. We only dated for like a month, I think. Yeah, and you got kicked out of his grandmother's house. I got kicked out of my grandmother's house. And he moved in with me and my parents. I moved in with her and her parents. Why'd you get kicked out of your grandmothers? Well, so Lily came over one night and my grandmother's asleep. I have people over sometimes and so Lily comes over one night. We didn't do anything, anything. We're just on the bed cuddling, fully clothed. And my grandmother, I see her poking her head in my room and then she turns away. And then the next day she comes at me and she says, I think you would be more happy if you lived on your own, which was not possible for me at the time. I did have a job at the time. And he didn't mention that I was, I also wore short shorts and his grandmother is deeply religious. So I mean, I don't think she really liked that. That's weird for her, but it is her house. It's a none, but so I moved out and went to Lily and her parents' house. And the plan was, is I was gonna get an apartment, but we spent a lot of time together and things were going really well. So we just kind of got comfortable in staying together like that. Yeah, and I was... Is that when the money started getting intertangled? Well, I had a job at the time. And I was in school at the time and I had a job and had an internship. So like my time was spread really thin. So when we started, I was like in the relationship, but I was like half out of it as well. Like he was living in my house. It's okay to be independent and busy. That's not an inherently horrible thing. No, but... It just depends on the relationship. Her best friend moved in to this whole situation and it created a situation where like every night she would come home and she would spend time with her friend drinking. And I didn't really like the friend. Just would stay inside. And so this rift started to form. And after a while of that, I kind of started talking to somebody on Messenger. And... He was trying to break up with me and because of this person and I didn't want to break up. Well, it wasn't necessarily because of the person, but... I mean, we're... To be able to say the relationship... There's a lot of cheating in this world. To be able to say the relationship, I got us an apartment, got us out of my parents' house. And tried... That's what will save that. I mean, obviously all the problems were coming with all the people around us. Like I was getting spread then like Pete, I mean, my parents wanted my attention. And you were with your friend. You were boozing with your friend every night. That's also true, yes. But he also didn't want to participate in a... Yeah, maybe he didn't want to booze with your friend. I wouldn't want to booze with your friend. He didn't want to hang out with my parents either. My parents were paying for most of that at that time anyway. Gotta put in a little bit of the parental love. And he didn't get in a lot. At the time, I thought I did. I don't remember my relationship with her dad really going souring until like right after we moved out. And then... But why is all of a sudden, if we're living with someone, we're dating her, why is that we message someone? Cause this was forming. I felt like abandoned essentially. Yeah, but you hadn't broken up yet or gotten permission though, open relationships. So that is cheating. And I know here I have a type... I didn't know how to communicate things like that. Okay, that's not communication though. Cause I have a message that said your message is this person was about a fetish dynamic you wanted to explore. That's not there's a rift. That's not I'm feeling abandoned. That's you're messaging someone about a kink you wanted to explore. What was that? A master slave dynamic. Me and the other person both shared that fetish and that was something that Sarah was... Who was the master who was the slave? I was the slave. Ah, yeah. And it was a dynamic that I didn't feel comfortable trying to share. Because I didn't know with Lily because I felt like she wouldn't understand the dynamic and that it would have too many implications in the real world and not be able to just be compartmentalized. Keep the kink inside, inside the house. Well, I even tried to get into the kink with him and he just didn't want it. He wanted that separate. He wanted the girlfriend and then he wanted the sex stuff was allowed. Which could be fun if you guys are aligned on that. But we were. Yes, you're feeding them against cheating, aren't you? I don't like it. I trust them until they give me a reason not to trust them. Yeah, I know. You're so against cheating. And then, okay, so you found out somehow, right? Yeah, I looked through his phone one night. Don't ever do it, guys. It's not worth it. I looked through it. I saw it was under a different name and I was like, you mother f***er. I just threw the phone. He was asleep and I slapped him across the head and it was not my brightest moment. Wait, but then he broke up with you? Well, I had broken up first before we moved into the apartment. And then I was trying to save the relationship. And then we moved into the apartment together and she looked through my phone. She actually looked through my phone a couple times. I agree, never go through someone's phone. Let me see your phone. Really? Yes. You've seen the show. Absolutely. Of course. Also, someone smells like booze here. Who was drinking? Me, maybe. I had to calm down a little bit. It is currently 27 minutes into the episode and it's 11.53 AM at the time of filming this. I'm off today. Yes, it is. I'm out driving. I drove here. He's driving back. What time did you drink? 10. He texted, I'm awake this morning. She said, okay, I'm bringing you a waffle to his place. And then I asked for milk. What do you mean by that? And then she said, come down to my room for a second. I was doing my makeup and hair in the room. So why do you need him to come down? So because he was getting all the stuff out of the room and I had all my stuff in my room and he was getting stuff down to the car. I was trying to be on time. Yeah, and we got here early. Just the wrong building. Okay, Tuesday, she says, so I'm finishing up work but I slept like total shit last night and I'm exhausted and still sick. I really want to go home and take a nap. Did you want me to bring you food? I mean, I guess that's not crazy because we already know that you guys are. But I mean, that is crazy. Normally. It's just so normal to us. I don't really think of that as crazy. It is not normal. Our whole dynamics not normal. Mom asked me to swing by Walmart for a few groceries. You wanna shop with me? Or just have me meet you after? I mean, he doesn't do anything all day. Let him come out. Come on, he can come to the Walmart. I did go shopping with her that day. Her mom was like. You hit her up all the time and then you never really finish. You always like. What's the finish? I went shopping. No, no, no, you hit her up all the time. Like what you doing? She's like, I don't know. I'm doing okay. She's like, what you doing? Well, we continue the conversation when I go and talk to him. Uh-huh. You're only supposed to text for a meetup. Don't just sit there all day texting. Who's Ponyboy? Ponyboy is his friend. Oh, well, all it's both of our friends. Ponyboy is my ex-drummer. Okay, you're talking to him too. Yeah, I mean, they had a huge fight and I'm kind of the go between with that. Okay, I guess you had a big fight with him at some point. This was years ago, man. He was. Oh, you're trying to take accountability now. What's Vidor? That's one of the, those cities in the Golden Triangle of Southeast Texas. We're briefing the name. Of Southeast Texas. Definitely East. That is for sure. Headed back now. I want to meet me in my house in 12 minutes. Okay. When you take it out of context, it might be so crazy. Are you kidding me? He lives about seven minutes away from my house. I'm not going to go into the rule that you told me about. I come scoop you up. Yes, I'm here. Dude, this is a lot of engagement for meeting all the time. All the time. I see him every day. We hang out every day. Do you guys communicate on any other platform? No, maybe I'll send him some memes on Facebook. Messenger. Messenger. No Snapchat, no Instagram. No, I don't do it. I don't have Snapchat. I'm an adult. So sometimes I'm a Messenger. Yeah, you can look at Messenger. It's not a problem. He's trying, man. He's really trying to find something. Trying, no. I'm not even, dude, I already have. You guys are, you're meeting up all the time. He's an auditor. And that's what he does. I mean, I'll be honest. In the end, are you, first of all, he's at the top of your text list and Messenger list. He's just at the top. Where's the other guy? I mean, he's at the error. He texts us all the time. Are you hoping he sees us and breaks up with her? No, I'm hoping he doesn't see that. I'm hoping nobody sees it at this point. Why? He's embarrassed. Oh man. So I know right before she broke up with you, you went out and just made up with a bartender. Yeah. I'd played a show with, with pulling bullion. And there was a bartender and we all went to I hop, like everybody, all the band people. And your revenge for her breaking up with you was you buying feet pics from her old roommate. Oh yeah. Well, that, that comes later, but that was, that was a thing. Yeah, but I'm being told you weaponized these feet pics. Yeah. Well, it was a means of revenge on, on both of them. It was a revenge on Lily for having a boyfriend and it was revenge on the friend for being a dig. Uh-huh. And I guess your revenge immediately was going and you know, for you in a woman. And while I was paying for the apartment, he sure as hell wasn't me. So I mean, it's not my fault that he couldn't finish with the girls. With the girls? Well, with the girls he drew me with, it's not in my fault he couldn't score. Huh? What does that mean? You mean he couldn't get with them? She's saying that. So the people he messaged. She's saying that she won ups me because she could get laid and. I mean, if you're gonna, if you're gonna make out with a girl you might as well just because there's already downhill from there. Guys, this is weird. So how intertwined are the finances still? Very intertwined. Why? Why after three and a half years? Why? Four years. I think there is a lot of guilt from all that retaliation. What's the guilt? What do you mean? Oh, from that retaliation? Yeah. That's the guilt. That's what you feel guilty about right now. Hiding this from your boyfriend and parents and all that shit. And whatever the family guy means. I like family guys. That's the guilt. That's what the guilt is. Guilt from four years ago. So what's the intertwined? Tell me. Well, essentially she has her finances and I have no finances. All my finances come from her. Oh, completely. And the current boyfriend doesn't know that part. I mean, considering a situation, I'm sure he can assume. Because we thought about it. Is he a cock? Is he a little pussy? He's very, he's very alpha male. What? No. Yeah, he's so alpha male. He goes around talking about how alpha male he is. No, I don't. Okay. Well, if he, who goes around saying that? He does or she does? Her husband. I mean, you're the one who is a slave, not him. Yeah. Yeah, but at least he's like, he understands himself. He embraces it. Someone going around, I'm an alpha male. Sounds like the biggest pussy I know. And also no offense. I'm getting cocked for three and a half years. Sounds like the biggest pussy I know. I mean, I mean, he could have moved me in a lot sooner and we wouldn't be in this mess. At least he likes being slaved instead of cocked. I mean. It looks like he likes a good weapon instead of you fucking a dude in front of him. I mean, it was behind closed doors, but I mean, yeah. Still. So I don't know about that. Actually, I'd like to say for the record that when she slept with the boy, I busted in the room and I told the dude, you're not sleeping here. You creep. And full disclosure, I paid you a hundred bucks to get out of the apartment. That was the first time. That was the first time. Not the second time. That was the first time. That was the only time. That was two times. Bullshit. Yeah, it was. No, I don't believe that. But you're the one who did. Y'all were watching Justice League black and white and I'm like, why is the aspect ratio all weird? Cause I was fucking with the guy cause I didn't like him. Well, he was a loser anyways. And you threatened to call the cops on me if I put my hands on him. Yeah. So he better be thankful for that. Not the first time I had to call the cops. Better be thankful for that. At the first time you had to call the cops? She did not have to call the cops. What? She didn't have to call the cops any times, but she did. Huh? What was the first time? He gets angry. In what way? What has happened? I have left before and I was kind of vindictive and I did turn off the internet and stuff. So I might have, I mean, he didn't take that too kindly and I tried to leave with a weed and stuff too and he didn't take too kindly to that. So I couldn't really get out the door. He wouldn't let you leave? That's not true. That is not true. That is true. She was the one standing, I was not standing. I was standing at the door. She was at the door. I was not in between her and the door. She had the weed and bag. I tried to grab the bag. I was not trying to grab at her. I was not trying to touch her. And I fell. But we tumbled together. We fell together actually, both fell down. And before any of this happened, she slapped me in the face. I slapped you in the face because you pulled at me. And when the cops came out and I told them, no, no, you slapped me first, then I reached for the weed. And when the cops came out, they asked me if I want to trust press charges. And I said, no. Well, they asked me to. Because you ain't about that life. You have no idea what it's like to deal with the legal system. I've had to deal with that shit. You do not want that. That's fair. What have you dealt with? I had, I've had probation two or three times. Oh, for what? So the first time I had probation, I was underage and I hit a guy on the bus for. I didn't know that. Shooting a spitball at me. Were you reasonable? When I was 19, I picked up a possession of marijuana charge and a minor in possession of alcohol charge. And I did probation for that. And I want to say, well, no, it wasn't probation, but I spent a night in jail one time for a trespassing ticket. And are these on your record when people do background checks? They're all expunged. Okay. And there was another one? That should be it. Okay. So two probation and a 32 hours in jail. That's it. When you're surprised you're not getting a job and your lifestyle and your personality is a bit. Brof. Not employable. So long as you've had a job. Well, every job I have, I excel at in the work itself. It's the HR and the corporate talk and the news speak that I can't do. The news speak? Yeah. From like 1984, that's how people talk nowadays, man. Because he talked about... The news speak? Does he excel? Karen talk. I mean, he's really good at his job when he gets it, but like the last job that I kind of helped you get into, you kind of f*** that one up. Oh, you gave it to him? What's long as you've had a job? Well, it was in like the end of December, beginning of January. I got hired on at a major supermarket. H-E-B. And I didn't even make it. I had the computer day where you watch all the videos and I had one day of training on the floor. That's the longest job you've had? No, no. I'm sorry. What's the longest job you've had? The longest job I've had was a year. Looks like by 34? I've had two jobs I've held for a year and those are the longest I've ever held a job. What were they? Walmart I held for a year. And the other one? The gas station job? Oh, I held the gas station job for two years, but it was off and on because I went... That's where we met. I went like a year and then quit. That's where you met? Yeah, we both worked for the same gas station company, but different scores. We weren't intertwined. He worked by the one I lived close to and I came in one night to get a four logo. And yeah, I was gonna ask him out. Well, he was gonna ask me out apparently, but I asked him out first and I got the number. Now, why'd you quit H-E-B after a couple days? Oh, well, let me finish. Yeah, so we did the training day and I'm supposed to be hired for overnight and they're telling me I'm supposed to have a schedule by the end of my training day. I don't have it. And I go home and the next day my manager calls me. He's like, can you come in today? And I couldn't, I literally didn't have clean clothes. And I'm like, no. He's like, well, when can you come in? And I'm like, I can come in overnight. And he's like, can you come in tomorrow at 9 a.m.? And I thought that was a little weird, but I wasn't thinking too hard about it. So I said, yes. So I go in the next day and he's like, we have reasonable suspicion and we're going to drug test you. I straight up told him like, oh, you ain't got to drug test me. I'll just tell you right now, I'm gonna pop for marijuana. And he's like, well, I'll tell HR that you're refusing to take a drug test. I'm like, that's not what I'm saying. But I asked him what the reason suspicion was. He said there was an aroma coming from my bag. And I think- Like her and booze. Very reasonable. Well, I didn't remember. And I think that's just because it's so habitual. I'm pretty sure that I took like a butter too. Cause I didn't have any at home. She works at the same H-E-B through her job. So I stopped by the car and I grabbed some weed and I put it in my bag. Then I go inside and I don't think about it cause I'm such an habitual smoker. So when I say I bear a certain amount of responsibility, that's what I mean. I do bear a certain amount of responsibility for my situation. I would say so. So what's this corporate dog? Give me an impression. Hi, how are you doing today? Yeah. We're looking for somebody with a flexible schedule who wants to be part of a team. Okay. Do you fit that description, sir? I mean, yes, that would annoy me a little, but don't you think that is actually relatively fair? Just be real with me, man. This is life or death for me. Take me the job or don't. Well, it sounds like don't. You don't fit the culture. They want, cause people at H-E-B, I honestly have only had good experiences with people working at H-E-B. And I feel like you wouldn't be that. So. That's fair. That's fair. I got the personality of a professional wrestler. Okay. So before we go into these finances, I have one other to know that is honestly just blowing my mind, cause it's leading to a different conclusion than I think you intended it to when you said it. But it was like, oh, every time I think of getting back together, it's an instant no, not worth it. I understand. It should be an instant no. But the thing is you're considering getting back together while you've been with the guy for the three and a half years. Do you not hear that part when you say that? What is this thought of getting back together? You're with a mother man. No, no, I never thought about like that before. What? How can you say every time I think of getting back together, it's an instant no. You've been with someone for three and a half years. I know our situation. So does all the people in my life, when people ask me. No, objectively no. When all the people- Objectively no, you just, you said you- Oh yeah, all the people know the situation in my life, okay? No, first of all, Pinar'd. And second of all, no. You said your boyfriend doesn't. You said he knows like 50% honestly. He doesn't know I'm here. He doesn't know I'm here. He doesn't know you're here. He doesn't understand the extent of the financial entanglement. He doesn't understand the details of everything. He knows broad scope, high level. That's what he knows. Right. So no people don't know the situation. What the f*** are you talking about? Well, when they ask me about it and like why I keep them around is because I want to help them and I do want to see them do better. I want him to get better. Like I want him to be able to live and actually live. Come on, Caleb, come on. Bro's just winning. Doesn't have to do anything all day. Gets the f*** around, do drugs, play video games and he gets his dick sucked. It's an assumption not asking. It's not that great to do nothing all day trust me. No, it's not. It's not, but- It's depressing. No, it absolutely is. And honestly, you should man the f*** up and I'll get you a course career certification and something to choice, maybe construction, maybe a tech trade or maybe, sorry, maybe a trade. You take what you want with it. You go through the certification and get a f***ing job. That means you actually have to apply. A lot of people in the audience have used course careers to improve their income dramatically. So you should too. No, I mean, yes, you are an absolute joke. You really are. As far as a 34 year old, but with the fact that you're enabling it also, there's some weird shit going on and I'm not gonna go down that rabbit hole, but it's like, what the f***? I feel bad for your boyfriend and I feel bad for you. And also you're enabling him and also it's a f***ing mess. I mean, you're giving him allowance plus take care of all his bills. What's an allowance? You're giving him an allowance? Yeah. Why? How much? For what? It's like, it's just $80 a week. It's like, if he wants to make sure- It's a little allowance though. You are giving an X from four years ago an allowance. These are my numbers, boys. All right. This is the number of Ham and Media LLC. They're seeing it for the very first time. What you have done with the memberships, I think, is remarkable. I see how much you're posting and it is mind-boggling to me how much you get out there. Yeah, and honestly, since that membership number, because this is January's official numbers, we've added... F***, now it's not helping out. I'm amazed at how much your shorts make you. Can I say that? Oh, sure. Your shorts generate you f***ing f***ing f***ing month. This was crazy. What happened? You see, what was that? I mean, we lost... F***ing f***ing f***ing. I'm texting him. It's the same. I'm not happy. We're talking about like the same... Let him digest. I'm not happy right now. I'm actually texting him. Who are you texting? Robert, COO. Is Robert doing a good job if this is happening? We'll see what he says. Is there a price? Baramze Solutions says, Caleb, we want this. Uh, after tax is 100. 100 million dollars. I'd consider that. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. to do it himself. He's not gonna do anything because you just endlessly support him and buy him things. I mean, he told he guilt you into buying more things constantly. Guilt? Well, she said you do. I kind of use as an seven for him to do something. Just do what? You do this and all. She brought me to come here. Yeah, I did. What did you do? Did you get him to come here? Well, we might have went by the Lego store on the way over here. And I might have bought him a Lego set. He didn't even like it, though. It's not fair. Now we got to go back before we leave. Like, I got a Lego set too, but that's besides the point. OK? Oh my goodness, it's under your seat. Let me see it. This is the one she got. Oh my goodness. This is reality. Every time someone thinks the show's not real, that's the power of love, baby. I mean, it's cool. I like it. I'm a fan. I want one. I belted last night. You really like it? You did. I did. Not him? She got something for her and then she got something. Well, she got something else for me. What'd you get? I got the new Millennium Falcon, but we're going to take it back because it's part of the Lego's smart brick system and I'm not trying to buy in on their smart brick system. OK. That's a little deeper down the lower than I even know. I guess I'm not in that deep. All right. This is going to be out in your finances of zero. Your finances are loser. Your finances are a bunch of $2,000 in a year my entire life. That's not possible. If you've held down a job for a year, that's not possible. Unless you mean holding down a job is like five hours a week for a year. I guess I've never done the math on this. I had the Walmart job from February to February, so I had it for a year. I was making at the time. What was it? $9 an hour. And I was working full time, so I've never known the math on that. OK. Well, that's more than $10,000 a year. Regardless, I'm going to be auditing your finances and we need to get you the separate and you need to grow the cup. Your financial score is zero. I'm just going to say it now. I want to know what you think yours is. Zero being the absolute worst, ten being the absolute best. Well, I took it back in July when I started. I mean, when I first did the application, I did another one again, and I got 2.5. Oh, OK. And I'm hoping a 3.5 now. We never know. Oh, see. Listen, if you want that score the same way she did, all you have to do is go to CalebHairman.com, take the assessment. It is free. It just takes a few minutes to see where he's standing in the world of money, where he's doing great, where he's doing poorly, where he needs to improve. And if you don't want to end up like him or her, sign up for the new and improved dollar-wise budgeting app. It is incredible. It has changed the ecosystem of budgeting apps out there. Take the free trial to see if you even like it. And if you do, most people sign up for the annual version because it saves 50%. And you honestly, I don't think this is this is this after March. Is this being uploaded after March? Oh, this is gone. Sorry. Actually, you lost it. That doesn't exist anymore, but you will. Annual members get our budget meal plan. It's a detailed meal plan for every day of the month signed by me, mailed directly to you. It's also sick, but the cookbook's gone forever now. Sorry, you missed your opportunity. Go to dollarwise.com, kellohammer.com, get set up with all that good stuff and change your life like tens of thousands of other people have. Let's get into this. And if it is still March, just in case, then it's still available. But who knows? Oh, gosh, you paid for a parking ticket for 500 dollars for him as well? What the fuck are you doing? Is there anything? What was that? Beep boop. Did you not? Do you not mute your phone like we told you to do? I'm sorry. That was I'll do that now. I'm so excited to call your boyfriend. You have no fucking clue. You have no clue. All right, let's talk about discover it. I'm going to assume every account is yours, right? Yes. Do you even have an account anywhere of anything? I actually have two accounts at Federal Credit Unions. What? You don't even know this yet. You give him money. Wait, wait, what? You don't have credit. That's my checking. Those are my checking accounts. Those are my natures and my stellar. Stellar? What stellar? That's the bank up the street. So well, it's not even a bank. It's a credit union. Do you have a character? A Federal Credit Union where I just put I have checking account where I put money in. What money? You don't have money. The money you give me for allowance. Oh, OK. Or actually, there's nothing in the stellar at all. So why do you have it then? It's a bank account. It's a checking account. So in case I get a check, I can check it. I can cash it. Well, isn't that supposed to be what the natures does? Well, yeah. But I picked they don't have natures in Houston. So when I worked in Houston, I got the stellar. OK. Continue. Go ahead. Well, look at those if we can. So discover it. You're holding an immense balance. Yet you're giving a man child money and buying him an $800 Lego set on the way here. Yet you're holding an extreme balance that is accruing interest. $2,594.44 with interest accruing of $34.99 a month and a minimum of $55.00. You put way more on than you put towards it by far, not even close to you. You have that. What are you doing? This takes 10 years to pay off and you'll still be a child that you're supporting. What the fuck is wrong with you? Are you spending so much damn money on this credit card when you are not paying it off to save your fucking life? Well, I mean, my money only goes so far every week. I get paid every week and I... Is this all going to him? Yeah, moron? No shit. When I get paid... I only have so much money every week. How much does spent going out to eat? I only have so much money every single week. How much does spent going out to eat in the previous month? At least $12 a day. Maybe... That's a good estimate. I would say probably like $4,500. What would you say? She spends on a monthly basis going out to eat. She only has so much money. Well, what's $12.30? Like $300 something? $360, so probably $400 just for lunch at least. $1,332.43 in the previous month going out to eat. But I only have so much money in a week. Fuck you. What are you talking about? That's an insane amount of money. That's the fourth... No, no, no. That's like a fifth of your income. What are you doing? What are you talking about? What are you talking about? Well... Why don't you live at home? You blow it all going out to eat. You're a loser too. Live at home 28, 29. I'm wrong with you. Actually, I'm okay with living at home. But listen, you do well. You don't need to. No. You're literally having to get permission to have your ex come over. Her parents couldn't afford the place they have it. And there. Also, you're getting milked from that direction too. Yes. Oh, good. Yeah, and they just... So you're putting money towards their rent or something? Oh, yeah. I give them $400 a month and they just went through their second bankruptcy. So they don't have money right now or any credit card. So if they need something... Before... If she's in here for money, her mother has her hands on it. She's on my account. She takes out what she needs to pay bills. I don't physically pay my own bills. Okay? She takes them out. She budgets it out for me. Oh. They bought GOP once with your money? Yeah. Yeah. That's expensive. Yeah, the year's worth. They bought the year's worth? Yeah, two... Wow! I think together is like 44. Bro, you got to get out. You just got to go be independent move somewhere. Just get away from these people. You can love your parents and still move when you... I don't know what that for years. Oh, you're that guy. You're the equal thing. You're the same thing. What are you telling her that? What do you mean you are that? What? She's paying your rent, your utilities, your everything. Why can't you move in with your boyfriend? You've been together for three and a half years. Allegedly. Yes, we have definitely been together for three and a half years. I... My first... I've only had three relationships. My first two, they moved in really fast and I felt really trapped. So... It's three and a half years. It's different than one month for you guys. Well, we also work together. So... You and your boyfriend? Yeah, we work. Why would you do that? We don't work together together. We work for the same company. He's your boss. That's not entirely true. He... We were the same position when we started, but he got promoted. And now he's your boss. Yes. He can't work over me, so... It's not inherently bad as long as you guys follow all the HR rules. Everything's disclosed. Everything's blah, blah, blah, blah, blah. TikTok's going to be my power dynamic, but there's clear things that companies do to make sure there actually is an apartment balance. Yeah, we're not the only ones that... But that is f***ing weird. In general, I can see. And you won't move in together. His longest relationship was like seven years and it was long distance. So he's never really lived with a woman either. He's lived with his parents. Why are you wasting your time with this boy? If you're not even willing to move in with him. Oh, I'm willing. Why aren't you? Your parents are milking you and your ex is milking you. Do you not understand that? That's f***ing crazy. I've got two old so many times. You have kids? No. I do want kids though. You already have them. Yeah, I know. So when you guys live together, is he going to be able to come over? No. No, I'm trying to get him all settled in his own life, get a girlfriend, you know. Oh, so first off, the f*** up. He clearly wants to be with you. No, it's not happening. I'm sorry. Okay, but you would choose her if given the choice. Not anymore. Stop the cat. What? No, not anymore. I think he got hurt when I told him no, even if I broke up with my boyfriend, I wouldn't go. I wouldn't go. She's never told me that. That's a lie. No, you haven't. That's never what you said. What did she said? We had a conversation actually kind of recently about this and her boyfriend was never a factor in any of the things that she told me. Essentially what she told me is that she would not be able to trust me if we were to come back together. And of course, you know, I posit that that was years ago and I'm a different person, but yeah. He's grown. I still can understand that sentiment. But to me, it's like at this point, how can I get back with her, even if she breaks up with her boyfriend knowing that she was with him for so long, knowing what I know about him. So you would have wanted to get back with her if she didn't say that. I mean, at some point, at some point I absolutely would have gotten back with her. But like, man. I do not like anything I know about her boyfriend. He doesn't know anything about my boyfriend. I know what he said about Charlie Kirk's assassination. What did he say? I hate your friendship. He said, I don't give a fuck. He was a piece of shit. I did not say that. That's what you told me. He said, that's what you told me. You told me he said. Charlie Kirk. Well, he also got mad at a whole wrestling corporation for doing a skit about the assassination of Charlie Kirk. And then he will. No, that was a different thing. That was a different thing. What was it? And I did not blow up at a proportion. It was, they recreated the Rampage Jackson situation. Well, Rampage Jackson attempted to murder a professional wrestler or an amateur wrestler in real life. And then they recreated it for their storyline. It was a local promotion. And I tried to get their spot from the Comic-Con pool. Yes, I did. Because that was a bad test. You have too much time on your hands. He can't, he doesn't have Instagram anymore because he keeps getting fights on Facebook because he keeps getting in fights in the comments. You keep finding people that like the assassination and yelling at them? It's not even about that. It's just random stuff. No, well, it's so, the thing about the assassination is. Yeah, it's good enough. Let's get into this. Yeah, let's get into this. Okay, so here's the thing. I don't care about Charlie Kirk. Don't like him. I don't agree with him with the most things, especially with foreign policy and politics. But the fact that somebody can get shot in America for expressing their political beliefs and engaging with people. I think every normal person will believe. It's as soon as against that. Not her boyfriend. Boyfriend didn't give a... That's a bad take that your boyfriend has. Death shouldn't be celebrated. I can't speak on my boyfriend. I don't even know if that's an accurate representation of what he believes. So. Yeah, why do you have that opinion? You've never met this guy. Literally the words came out of her mouth. I don't believe that. 100%. He hears what he wants to hear. Every day. You drink every day? So she don't remember. I do. You're an alcoholic? I am. I'm trying to quit. We're both trying to... Oh. There's another thing. I used to tell her when we were together, you can't become an alcoholic. And lo and behold. Decent rule. That's a pretty good rule. I mean, both of his parents were alcoholic. So I don't think that helped in our relationship either. So I think it was... My mother died from cirrhosis. We are trying to quit. Okay. Any other addictions I should be aware of? I smoke marijuana every day. Well, we know that. We know that. What about your, what was just typed to me? Scratch off. Oh yeah. But I only have so much money every week. Yeah, tell me. It's been a lot better because I don't have the money to do it anymore. What's a lot better? 60 hours a week for your whiskey. 400 a month for your weed. Oh, how much for your scratch offs? Oh, you guys are, you guys are... Wow, society is carrying you guys along. Yeah. Isn't it? Well, I mean, I have fun. I mean, scratch offs. I don't want to be at home all the time. I mean, I don't want to be... But you drive to different locations to sell chips. Yes. Are you drinking? No, no, no, no, no. I have to work. I mean, shoot, everybody likes a cup of whiskey after work. Don't they? A cup of whiskey? Do we call them cups of whiskey? A glass of cup, you know. A cup of whiskey sounds a bit different than a glass of whiskey. I would, that sounds about how you smell. Oh, was that what you were drinking this am? Yes. Oh, for... Before you came here. Really? Wait, how early did you start drinking this morning? Probably nine. I think I said 10 early. I think it was nine. I get nervous and yeah, it helps with the nerves. Oh my gosh, both of you are insane. I had no idea. Honestly, I'll be honest. I didn't think this episode would be anything. I saw you guys and you guys were so quiet. Every time I tried to talk to you guys out there, you didn't say anything back to me. I don't know why. Like usually guests are like kind of happy to see me. But I was like, hi guys. You didn't even acknowledge me. I was like, all right, what the fuck am I dealing with here? But this is insane. You guys are actually insane. What the fuck is wrong with you guys? Is that what you're spending the 2,139 and you're 1,300 going on to eat scratches? How much is scratches a week? You're miscellaneous bullshit. That must be scratches 545. 545! How much? That wouldn't be that much. 4,300 scratches. Unknown shopping, 529. Other large, 1,600. Dude, you probably spend, you probably spend 3,000 hours a month on bullshit. I probably spend like a... This is insane. For this credit card you're saying, oh my, I hope my score went up from July. You just added thousands to this interest accruing card and it's all bullshit. You fucking... Well, January is the better of the months. Glad you don't have last months. No, this goes through January and in December. Oh yeah, yeah. All the way through January. No, this is the entire month of January. Glad you don't have February's. What is wrong with you? Oh, nothing. That's pathetic. What is wrong with you? It was my birthday in Valentine's day. What size of whiskies do you get? 750 milliliters. Okay, how big is that? Oh, shit, that's pretty big. That's what she said. I don't know. So it's one of the bigger bottles? I guess. And how frequently are you buying these? Twice a week. Okay, I am not a drinker. Please. It's a lot. Give me indications. What is it, 700 liters? 750 milliliters. 750 milliliters twice a week. Okay, I'm getting shocked faces in this video. Yeah, I, yeah. That's a lot of whiskey. Yeah, and I've been alcoholic for probably about last eight to 10 years. It's 29. Oh, good. You're an actual alcoholic, but you don't drink at work? No, but the problem is. What? Maser is true. Bro, can you, what the fine, go. No one has to on the show. What is wrong with you? We're trying to film something here. Yeah, he has a small bladder. Why the fuck are you supporting this? This degenerate piece of shit. Brandon, come double team with me here. What the fuck is happening here? Smell her breath, Brandon, it's horrendous. Well, yeah, it's alcoholic. You wouldn't even let me have you. It's not even noon. I even asked, call, oh, come on. I've been for minutes. You're just trying to hide your booze. Sorry. Brandon, what the fuck? She needs to abandon this man immediately. You two are the two biggest losers we have ever had on the show. Yes, but you're, but you're supporting him. Oh, that's harsh. He's the biggest. Oh, that's harsh. Yeah, I do a lot. You're doing exactly. Why are you supporting him? You need to abandon him. Well, he's literally homeless. What can I do? You're cheating on your boyfriend. Well, allegedly we do not, we are not going into that. Not physically. What you don't know and we're not talking about. Financially, he's very well off. I mean, he doesn't give a shit. I mean, financially. Oh, you're going behind his back though. He doesn't know everything that's going on. You said he doesn't know the details. That is still infidelity. I suppose in a way. No, it's infidelity. Infidelity doesn't have to be sticking it in, which again, we're not talking about. So I don't even know, but it doesn't matter. Okay. Why are you doing this to another man? And why are you supporting the loser? You need to leave. And also you just go get some help. If you actually are struggling, get some help dude. Yeah, for sure. I'm going to prefer you go to rehab over fixing your finances any day because your life matters more than that. Can this guy get out of the picture? Can you please leave Bernard? What the fuck are you doing? Stop. He will figure out his own shit. Humans figure out their own shit. They do. They do all the time. People have financial supports and family support. So there's nothing I can do here. You'll never leave him. You'll never abandon him. We're talking about an ex-boyfriend right now. Right, right, right. How many ex-girlfriends are you supporting financially? None, none. Exactly, I'm supporting no ex-girlfriends financially. Okay. Here he is. Here he is. So the spending on here, going in and getting some bullshit, going in and getting some bullshit. Who's going in and buying energy drinks and shit? Energy drinks are for him and then I'll buy Starbucks. Okay, you're no longer buying him energy drinks and Starbucks. Make coffee at home, give him coffee at home and buy him gamer subs. He can make this at home with his water. Here's some free samples. You can see which flavor you like. Okay, there's a few different ones. They're very good. You can get free samples of gamer subs.gg Link in the description below. Make sure you use code Kailed and then you can figure out what flavor you like. And then it's literally 40 cents a serving with my discount of 10% off using my like, okay? That's making energy drinks at home and they're incredible. They're legitimately incredible. No more stopping designing it into bullshit. Make your energy drink at home, okay? Use gamer subs. My energy drink, energy drink, Taco Bell, Little Caesars, KFC, energy drink, McDonald's, Chipotle, Dunkin' Donuts, Door-dashing specs. That has to be very frequent. No. Energy drinks, McDonald's, Wendy's, Thai food, Dunkin' Donuts again. That must happen all the time. Sonic, Dairy Queen, Energy drinks, Barnes & Noble, Door-dashing, Kekorame, McDonald's, Greek Grill, Starbeez, No Make It Home Starbucks, F*** you. It's also like the worst chain. Like it actually is like the least good coffee. I like their consistency. No, you don't. They're consistently shit. Any coffee, for example, a coffee shop is just like bean milk. It's just like every coffee shop's consistent. Every place I go to is consistent. Shut the f*** up. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Sub's at home for just 40 cents of serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat & Fatter. The number one ranked energy drink is Gamer Sub's. 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 GamerSub's.gg or click that link in the description below. Type in code Kaleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars in hiring dozens of people, we've completely rebuilt dollar wise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33% discount for three months or take the annual plan for an insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well. Both of them mail directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download dollar wise and start your free trial. Go to dollar wise.com or click those links below. Elsa's Greek Grill, Starbucks, Water Burger, energy drink, energy drink, coffee, Taco Bell, Dairy Queen, Dornash Dash Pass. That's what you need if you can't afford bills spending thousands of dollars a month on bullshit, putting it all on credit cards while we're getting abused for every fucking angle financially. Dairy Queen, Little Caesars, Apple Bill, Longhorn Liquor, Dornash and Kikurame, Subway, energy drinks, energy drinks, coffee, Wendy's energy drink, Chick-fil-A, Olive Garden, discount liquors, Dornash and Kikurame, spoon it, and I'm sure you guys definitely did not spoon it during Family Guy. Okay, and energy drink, coffee, sonic, Sally Beauty, Papa John's, Sheen, Longhorn Steakhouse, 101 bucks, Longhorn Steakhouse, 80 bucks. That was not me, I ain't been treated no Longhorn Steakhouse. She got lunch for her girls at work and they re-fershore. On your card? Well, she can't have credit cards because of the, you know. So, because of what? Because they went through their second bankruptcy. Which is where you're headed by the way, so yeah, continue that trend, but not only that, debit card! She can use her debit card. I don't leave money in my debit card. Her debit card! She can spend her own money, what the fuck are we doing? How old's your mother? 55. Girl, can I just get you to go to rehab, get out of rehab, go to meetings, and then just leave Southeast Texas and go anywhere, any direction in the country. Leave these people, leave these people, you're getting abused from every angle. Well, seriously, just you need to get out. And the fact that you're vlogging your life away as well is just telling how, it's probably, are you okay with it all? You're just willing to submit and just accept life as it is horrendously. Starbucks, Carame, Door-dashing specs, energy drink, Dunkin' Donuts, energy drink. It's pathetic. First month of the year, Korean interest is gonna be thousands by year end. Thousands! Let me see your checking account. It's only gonna go back so far, but I'll show you what I can. You'd wanna get back with an alcoholic? What does your boyfriend think about your drinking? I did tell him, but he doesn't, I don't think he realizes the extent. What the fuck? How many of you guys see each other? What the fuck is happening here? Sounds like this guy is nonexistent. We see each other when we're both off, so once or twice a week. We talk every day, we text every day. I would like it to be more frequently, obviously. It doesn't smell you? I think you're smelling my perfume. You just did a breath in a Brandon's mouth. I am not smelling the perfume. How much did you drink this morning? Well, I got a higher alcohol content than usual. So instead of 50%, I think I did 75% and like 150 proof. But how much did you drink? I couldn't tell you. Like, I don't really think about it. Oh my. What, you'd go from the bottle? No, no, no, no, no. I just put it in a cup and I kind of sip on it. How much did you put in a cup? Okay, well, he figures out how to use a phone. Oh, here we go. He figured it out. I'm gonna wanna touch this. I really don't. I feel like you have like- I've been trying to give a new phone for a while. No! Seriously, can you just stop? What is wrong with you? Is this a bad phone? Good, let him figure out his life. You know he's gonna be literally like this forever until he figures it out. And he's never gonna figure it out if you don't stop babying him. That's very true. You have 75 bucks in here. Oh my gosh, you need to see us just going to the cafe. Wonderworld and energy drinks and McDonald's. It's like, that's all I needed to see. It's nothing, it's horrendous, it's pathetic. Can you enable that and you support it? Yeah, but- It's sad, it's disgusting, stop. I'm trying to do more for myself. Like, I got like a release trip planned in like four months and we're- To Belize? You're going to Belize? Yeah. No, do a trip to rehab. No, I'm going to my friend, I'm going to my friend. Take them to rehab. 700, I just got a whiff, that was rough. $705.05 with a minimum monthly payment of $75 in your past due on credit one. Your past due, why- Credit one. Does he have credit one? I don't have a credit one card now. Who has credit one? My sister has a credit one. That must have been mine. What are you talking about? Must have been, this is, you're behind. Yeah, I do have credit one. Girl, he has a max out credit card. No, you don't. You don't even know? You don't have credit, how the f*** do you have a credit card? Well, that was from a couple years ago when I was an electrician. Nope, this was actually a month ago, two months ago. Well, the statement? Yep. A month ago. Which is only behind one payment. A month ago. There's a late fee. Somebody, my dad was like, you got to build credit. You have a doctor, you have a doctor. This is credit card and you didn't know about it and I'm being told, bro, see this is what you're allowing. And you're okay with this? You're pathetic, you're pathetic, stop. What do you mean he doesn't have credit? You don't have credit, you have credit. This is credit one, they will approve anyone. It doesn't f***ing matter. And he has credit. I can't use it. What do you mean you can't use it? Yeah, it's maxed out. It's maxed out. Oh, what? What did you use it on? What did you use it on? Food, energy drinks. Oh my. I gave you an allowance. I give you $80 a week. Like seriously. I can't use that to pay the card though. I have to use that for food and. You can't pay the card. You can't use that to pay the card? How are you paying the card then? You don't make money. I'm not paying it. You're not paying it. So who do you think is gonna pay it? Who the f*** do you think's gonna pay it? I figured one day I'd have a job and I could start paying on it. Like it did in January? Like it did in July? Like it did in March? You've had f*** jobs. When did this come in? You didn't have a job then. I'm pretty sure we pulled it out when I had a job. The idea was I was supposed to build credit. What did you spend it on? There's no way it's just energy drinks. You drink like two energy drinks. You gotta pee like a f***ing race horse. What did you spend it on? Just stuff, normal stuff. You know, energy drinks, food. Gunnership, games. I do have an only f***ing thing. That is a thing. An only f***ing thing? You have an only f***ing thing? Subscribe to one. Well, I'm on only f***ing as a consumer. We'll say that. We'll say it like that. We had a huge problem with only f***ing when we were together. She's paying your f***ing rent and allowance and you're on only f***ing for points. The only dollars you're... That's what it is. $15. Is it all about the feet? It's all about the feet for me, yeah. And the... And the booting. Well, you're a loser too. And you're enabling it. What the f*** is wrong with you? I gotta figure out that card now. Thanks a lot for that. Why do you? See, I can't... There's no conversation to be had here. Dude, I'm sorry. No, no you do not. I didn't even know about it. What can I do about it now? Who gives a f***? Who gives a f***? You don't even know about it. You leave him. Leave him. Let him figure it out. If you do not, you will be doing this until you're 80. What is wrong with you? Stop. I can't convince you. Listen, I'll let you use the f***ing mind card. It used to be called the Fizz card. It is the debit card that builds credit. That's all you need. It only allows you to spend what's in your check-in account and you have 75 bucks. Instead of blowing all this money, you don't f***ing have. Okay? How much do you spend on feet a month? Oh, a month, maybe 14. That's insane for your financial position. Yeah, considering I don't have... And he's late and he's destroying everything. Congratulations. By the way, here's another credit card that you don't know about. You have a second card. Are you f***ing serious? What is this one? Another Capital One, isn't it? Capital One, platinum. Is it Maxed Out 2? Credit One, Capital One. It's not Maxed Out. It's over Maxed Out. Yeah. By far. I can't make a dent in the payments. Was that for the picture? Like seriously? It's not all for pigs. What is it then? What f*** is it? Is it games? It's probably a snipping amount into games. Probably Transformers, action figures. Transformers, action figures. Oh my God, dude, this is pathetic. Why are you, why? He has a storage unit full of games. He has a storage unit. Yeah, he can't afford his own rat. Why are you supporting this? I guess I'm too far deep. No, no, no. You can literally just walk away. This isn't a hole. You can just walk away. You don't have to dig out. You don't have to do anything. You just walk away. Do you pay for the storage unit too? Yes. I'm gonna kill myself. Yeah, it's over max out. The limit on here is $300. He owes $460. She might get over that. How long, how old's that freaking card? Like how much interest is that? Well, you know, you buy things here and there next thing. It's over maxed out. $10 here and $1 there and then next thing, you know. My God, it's your f***ed up too. You got f***ed cuts on your arm. Well, that's from when I was a teenager. Good. These guys are messed up, man. Oh, shit. Well, I'm glad you stopped. Can we just say that? Yeah, that is not a thing currently. Good. For a long time now? Yeah, it was a once isolated incident when I was 14. 14. Well, the minimum is $217, but it's like not really, it's just because you're behind on everything. And this is about to get sent to collections and there's $235 a fee, 102 dollars of interest that have just hit at a 30% interest rate. Who has the 401K loan? The only one that has a 401K? Well, that makes sense. Oh my goodness, you took out $16,262. For what? For what? For what possibly? My credit card was over $17,000. So I figured it would be easier to take it out of my 401K and pay off. That clearly didn't help because you just spent thousands on your credit card and racked it back up because you didn't change your behavior, nor are you willing to cut your parents off, nor are you willing to just walk away from this loser. What is this? Why do you do this? Why do you consider this acceptable in any form whatsoever? If you lose your job, this calls do, do. Yes. And this is not gaining anything in the market. You're just paying yourself back a few percentage points. While you're losing everything in the market, it's horrendous, it's horrible. 620 a month comes from your paycheck towards this. Are you sure you're 6,500 net? Is that before or after that? It's after, that was net. Better be. That's insane. What is wrong with you? And that's not the first loan I've taken out either. This will be the third time I've found I guess my 401K. Why? It's just, the amount's gotten bigger every time. Bro, why though? Why? What were the other ones for? Paying off the credit card. Why do you do that without changing your behavior? That got you down to the first place, cause clearly you just get up every single fucking time. Well, that's why we're here. That's why you're here. Shut the fuck up, that's why you're here. This is a mess that's beyond anything I can do. You're not willing to leave him, you're not willing to stand up to your parents, you're not willing to even move in with the boyfriend of three and a half years. You need rehab, you need to grow the fuck up for the first time in your damn life. You're already grain, man. This is true. You're literally already grain and you don't have a job. This is true. You're pathetic. Okay, I'm being told to take out a 401K loan once a year. This last one was for two years. Insanity, in fucking insanity. Yes, you are grain Colton, but you have a job. So is that bad to gray? It's the fact that he's a child and he's grain. I started gray when I was 22. I got a couple grades here too. Well, it's cause you're a drinker. You're aged like 90. I mean, come on, I'm just gonna be honest. You're going for an early grave. I had a very close family member die of alcoholism. It's not great and you're headed down that path. There's a lot of changes coming for sure. Oh good, they're always coming, never here. It's funny how that works, isn't it? I'm trying. Are you? I mean, yeah. You have whiskey on your breath from 75% proof alcohol from 9 a.m. this morning. Where's your trying? I don't smell trying, that's for sure. So where's your trying? We're definitely eating out less. We're? We're? Why is it we're? Do you not understand? This is an impossible conversation. There is no win from here. The fact that you're giving we're, we're not a we're. Why? We're not a we're. I pushed for us to buy groceries and more often instead of. I still buy groceries, you're not in us. You're not in us. This shouldn't matter. This should not be the words that are being used. Instead of going out for so much, that's how the lunches started actually. Yes, that's been the past couple of months and they have helped, but we still go out at least once a day for food. Typically. There's no hope here. Who else are Harley Davidson? I own it. But he uses it? Yes, I don't have a license for it. I mean. What is it? An Iron 883 Sportster 2022. I can't find the total balance on this. I think it's about 10,000 around 10,000. That's insane. You're not even using it. And this dude's gonna smoke pot one day and just crash it. So you pay $223.79 a month? 78 cents a month, $223.78 a month? Around there, yes. Like 185, I think. What? No, your minimum monthly payment is $223.78. It's like 180 or 90 and then there's a $40 like a warranty essentially. Okay, so your minimum monthly payment is $223.78. Yes, sir, that is correct. Do we have the value? It won't pull it up. We don't know, but listen, I highly doubt it's worth that 10. My dad said if he f**ks this up, then he'll take it. Will he pay for it? I don't know about that. Oh my goodness, you surround yourself with losers. Her dad ain't about that life. This is your entire life as losers. Do you realize that? Do you realize you are surrounded by losers in every way? I mean, I guess it takes one to no one. We're all losers around here. Takes one to no one. I don't, how am I a loser? I mean, you're pretty on chapstick first of all. What? This doesn't make any sense. I mean, you just gotta, you gotta put those lips up. Well, that explains why yours are dry and crusty and being bitten. Like what the f**k? Zoom in on those 4K. No. Thanks for that. You're welcome. I hear the one who brought it up. Yes, I'm putting on chapstick. It's, we dehumidify the office so it's more comfortable, which means it's more dry. So you're just surrounded by losers. It doesn't mean you necessarily aren't, you are, but you can fix that. But honestly, the best way for you to, I've given up on you. There's nothing I can tell you in the end. The real answer is you just need to get a f**k job, but you're not going to, so I don't really care. You're gonna f**k your whole life. You're done. Okay. You are the only one with any kind of hope, but you're always gonna be a loser if you only surround yourself with losers. You need to escape being around losers. Yeah. And you need to probably go get some help. Yeah. I choose not to have friends because this ends up happening. Okay. Well, that's not how friendships work though. You're just surrounded by horrible people at all times. Student loans, so it's 33,000, or 30,889 dollars for 21 cents to student loans. That's me. Okay. What f**king degree do you have? A bachelor's in marketing. Okay. I guess. I mean, you're making great money, so it works. Okay. What's your minimum monthly payment? I pay like 200, 250, so I think it's 200 is the minimum. Payment plan of some kind that is lower. So 200 dollars payments. The minimum of the interest rates are horrendous. We got one that just peaks over 5%. Most of them are low. So I would do minimum to payments until these are paid off. Why are you putting extra towards that? And that doesn't make any sense. You have a credit card that is accruing interest. You have a motorcycle that is accruing interest. Yeah. That is not worth what it is. Why the f**k are you putting? Least of the worries. Least of the worries. Checking account, $21 started with negative 67 cents. Yet you're giving him money. Dude, this is such a pathetic joke. This is a pathetic joke. And I cannot wait to call this guy in the post show. You have no f**king clue. This is going to be incredible. We don't call each other, so this is going to be interesting. I've never really called him before. What a great relationship of three and a half years these two have had. And they see each other two times a week and they never call. Yeah, this is great. Okay. Energy drink. Energy drink. ATM will draw $80. So I think that's for his allowance. Cash app, 100 bucks. Dunkin' donuts. Subway. Colorado Canyon. McDonald's. Don't... Energy drink. Cash app, 15 bucks. Energy drink. Energy drink. Raising Canes. Energy drink. Little Caesars. Actually, groceries, finally. Energy drink. ATM will draw $20. Energy drink. Energy drink. Miller's Discount. McDonald's. Jack in the Box. Energy drink. McDonald's. Energy drink. Energy drink. Cash app, 10 bucks. Energy drink. Energy drink. Charlie's Philly. Spoonit. Energy drink. Donald's. Energy drink. Novrowski's. Energy drink. Energy drink. McDonald's. Cash app, $100. Cash app, 180. Who gets these? That's for his stuff. I thought he got 80. Oh my. Energy drink. Energy drink. Actually, groceries. Again, $500.18 will draw. I don't know what that was. Energy drink. Energy drink. Energy drink. Dairy Queen. Raising Canes. Sonic. Energy drink. Energy drink. KFC. Energy drink. Energy drink. Energy drink. Gamers Subs, guys. It's so much more affordable. Not this $5 every time. 40 cents a serving. 40 cents a serving. That's so good. You have no idea. It's the future. It really is. Spoonit. Energy drink. Energy drink. Burger King. 80. It will draw 80 bucks. There's the allowance. Energy drink. Energy drink. McDonald's. Energy drink. Energy drink. Cash app, $75. Energy drink. Longhorn Liquor. Taco Bell. Energy drink. McDonald's. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Starbucks. Energy drink. Jacket the box. Auntie Ann's. Donald's. Energy drink. And Ann's. When do you go there? The **** is wrong with you. What? So he has access to your checking account? I mean, I'll let him use my card sometimes. No! Why? What is wrong with you in every way whatsoever? Sorry. Your retirement's a **** joke, $27,000, but you owe against it, $16,000. So it's **** nothing. It's pathetic. It's horrendous. It's so stupid. What are we doing? Is there even a budget to make for her? She's a... I don't know if you need rehab, but you need to start going to meetings and slowing down and stopping. Obviously, don't cold turkey for alcohol. You **** die. But my gosh. See, expert opinion on that. It's doctor supervision. Income, $6,500. What's your rent? Or what do you pay for your parents? My mom takes out $300 a week. She takes out, okay. A week? Ah, yeah, yeah, yeah. Well, that's for my phone, my rent, my... He only had 15 bucks a month, same towers and services, T-Mobile. It's all on the family plan. Yes, but get that and move the **** away. Get that and move the **** away. I don't give a ****. Get that and move the **** away. $1,200. Wow, more. Minimum monthly debt payments, yours. Not your 401K, because that becomes before your net. $478.78. Phone plan, you will. You need to get out. You need to move the **** out. How much Vroom Vroom Drive Drive gasoline? Vroom Vroom Drive Drive gasoline. $200 a month. Car insurance. $140 for me and... So that's that. And? What was it? 89 for him? It's like 89 for them, yeah. $229 necessary for you. You can do 300, move out. Do you do groceries for the house? No, just for him. They do it. We buy groceries to her family. He's not in the budget anymore. We're cutting them out. And in fact, I'm okay with the car insurance until he gets a job. No, car insurance for three, this is what I'll do. You can support him for three months. After three months, he will have transitioned or he's done. That's it. He has three months to do it. And then you're cut dry, okay? $300 for groceries. Okay. Car insurance was just yours, $115. Good. TV fun, anything else you need to survive? $100. Medical health care. Co-pay us on a monthly basis, do you? No. Jim? No, not anymore. Subscriptions, let's say $40. You have any pets? Over eight, so no. Well, I mean, my dog's over eight years old, so I don't need any insurance for her. My, but depending on the breed, how much for pet food, either way? My mom pays for it. Okay. You moved the fuck out. Well, let's get your shit right now. Anything else that needs to be in the budget that I have not taken into account? You're completely cutting them off in three months. Hello? Anything else that needs to be in the budget? Anything else? No, ask him. He's not a part of this. He's done. I don't give a fuck. He needs to figure out his life, man. No, not that I can think of. Go to counseling if you need to do whatever you need to do. If you're living expenses. How am I gonna afford to go to counseling? Buddy, you make zero money. You live near Houston. You can get free shit. Like crazy. You have no idea. All you have to do is look. I really don't. Absolutely. We get it all the time in the show. You're liars who are not looking into things. No, no, I've been trying. Can we send him resources? We will send him resources because they're pathetic and can't use search engines. I try. Listen, you have an extra 5,000 hours a month. Wipe off your debt in a few months and then you're done. I'm so put this. That's it. You have an extra 5,000 hours a month. Shut the fuck up. This is so stupid. Got them off in three. Girl, the fuck up. Get some help. Stop being a pussy. I'm gonna call the boyfriend the post show. Join it. Hammer Elite, Hammer Financial Score. Just go fuck yourselves guys. This is Hammer Financial Score. Click join Hammer Elite. That's it. See in the post show. How do you feel about your girlfriend and her ex-boyfriend going to Austin together and watching Family Guy late into the night in the same bed together? What couple kind of conversation is this? It's a conversation where I'm trying to tell you you might be getting cucked, dude. This is the last week. 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