Failed OF Girl Has $8.10 In Her Checking Account | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I want to get married. So what, are you just gonna pest her and break down until he caves? Okay. He does not want to get married to me. What so ever. I would be gone from seven in the morning to 11 p.m. How many days a week? Three. Ha ha ha ha ha ha. Your finances were relatively in order until she came into the picture. Yeah, I'd say so. And now it's completely f***ed. Trying to save it for her, she's draining you. She wants to get married, she's leeching on. She's drained your savings, everything's f***ed. The reality is you were making no progress and not the only reason is because the guy's taking care of your every single need. And you want to rush into marriage with him and lock him down? Can you blame me? Next week is the final 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 at 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 mailed directly to you. 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, I'm Megan, I'm 22. What's up, I'm Kyle, I'm 28. We're from Dallas, Texas. And this is Financial Audit. I know it's a messy Monday here in Financial Audit World when Lindsay gives me a little bit of the tea beforehand. I never get the tea. I always go in blind and I still am mostly but when I get a little bit of the tea beforehand, I know it's a messy Monday is what I'm starting to call them. I'm coining that at this exact moment. Thanks for coming in, driving down from Dallas, I appreciate it. Listen, Megan, you're right in front of me. What do you do for a living in Dallas? I work as a market analyst at a big card company. Card company? Grading, like... The f***ing cards? Video game cards. Yeah, when I heard market analysts was like... And then... It's like card IT, I'm basically just researching cards and then putting a bunch of information about it into a big system. And what do you make doing that? I make roughly 43,000 a year-ish. Okay, okay, not bad. I mean, 22, certainly not bad for the 22 years old. Listen, in Dallas, I mean, it's kind of an expensive... Kind of an expensive metro for sure. And what do you do, Mr. K? I'm a body piercer. Ah, yes, it fits the personality. You guys have all the fun things on you, don't you? Totally good at more. Yeah. Oh, are you going to? Maybe, you know, you could do like eyebrows, you could do your lips, you could do... Clip? So what do you make? It's straight commission, so around 40 to 80 K a year. Okay, 40 to 80 K is a huge range. Exactly. Okay, yeah, but what's your monthly average, just your average month? Average month. Average month, 4K. Okay, 4,000, listen. And how long have you guys been married? Dating. Just dating, not married. We just hit our year a couple of days ago. Oh, a couple of days ago, welcome. Listen, Brandon's trying to steal your girl in the background one year, he's still having an intro. So the 44,000, what hits your account on a monthly basis? It's about 1800 every two weeks, so... Wait, I don't even know what this means. This is just a crazy note that just got... He saw her tits before they were dating, and her ex, I mean, there's not, I mean, they're literally, I mean, they're man tits, but that's okay. And her ex was in the room with them. He was, oh, he was pusing your nipples. Yes. Oh, okay, okay. Oh, that was good, that was good. Cause that's all they are is those nipples. Yeah, they're like little boy, little tits there, little boy tits, you know, like Chubby Boy. They're there, grabable. You wanna Chubby Boys? I have small hands, so it works. You like to grab Chubby Boys with these small hands? No, but I can only imagine. Only this Chubby Boy. Yeah. Interesting. Okay, okay, well, I guess that's not weird if you were just piercing then. Cause I was reading that and I was like, what the f... But it is, it is, it's an interesting... Your pierces is like penises too, like random dudes penises. I know, we were trying to convince someone on the team to do it for the post show, but we couldn't. Mark, you coming to the office? Yeah, so talking to the financial audit team, we're gonna have to pierce your dick for the post show. What? So what heads a month? Roughly like 3,800, 4,000. So are we trying to work on marriage as marriage in the future? Cause that's usually what we do when it comes to financial audit. And this would be a strong household income. I want to get married. I ideally would love to combine our incomes and have joint accounts and everything like that. He does not want to get married to me whatsoever. He thinks marriage is a scam. Marriage is a scam, when you mean there's so many natural protections that come with it. Love is real, but marriage is just a scam. How's it a scam? What does that make sense? Scam, how's it a scam? Because 50% of marriages end in divorce. I think more than that. Well, don't get married to someone you're not ready to convince yourself to for life. Don't you think all people that get married think that same thing? No. Oh, well, that's where I thought I would. I think people around with marriage and have some fun. I don't know, is this the guy you're trying to get married to? Yeah, ideally. So you're there, you're ready. You're a year in. Not right now. Like he was like, with your tits while you're dating another guy, right? Yeah, 100%. Okay. So I mean, you probably thought you were going to marry that guy, right? No. Oh, come on. In the time. Then why were you dating him? I had made some poor decisions at that point. Okay, but it's a scam because some people get divorced. That 50% analytic, by the way. I mean, there is something weird with that. It dramatically goes down for how long people have been married though. Like if you make it past the first couple of years or something like that. I don't remember. It's one of those weird kind of flawed analytics. Like it's true, but it's also very contextual. So to be clear, you get married, there's legal protection. So you immediately get inheritance without a will. So things immediately legally transfer. No issues. If you're not married, good luck with that. Spousal property rights. So you get the Spousal Property Rights, Social Security benefits, Employer Benefit Access, Medical Decision Making Authority. This comes with marriage, hospital and emergency access protections, wrongful death and injury lawsuits, immigration benefits, obviously joint tax benefits, debt and liability rules. Like spouses can share responsibility for certain debts and medical expenses can become joint obligations, automatic parental presumptions. Obviously you don't have to testify against your person in court. You both look like you do crazy shit. We don't have to testify against each other. If you're married, you will. If you're not married, you will. So there's a lot of things that come with that. I don't understand the scam because some people- Does all that come with common law? I guess that probably depends on the state, right? Yeah, but who the hell wants to get common law married? Like who's proud to say they got common law married? Who's gonna say that? You just got married. It's not the same. It's not the same and you know it. Weddings are expensive. Well, first of all, she wants a wedding. You don't. Why the fuck are you guys together? That seems like a pretty damn big thing to be clear. I think I can break him. We're a year in. I think you can live in a situation or a relationship without it ending in marriage. No, you can, but you guys aren't aligned on that. But I've said it since the beginning, just to be fair, damn near like first month dating, I was like, hey, I am not a marriage guy. So in Texas, the common law would have to be if proven and that if obviously it's like a lot of work and that kind of pulls all the weight. And a lot of that comes with it, not everything, not everything. You have to have an agreement to be married, which again- All right, two shake. You're not really into living together as spouses. Obviously you have that, but not everything comes with it still, not everything comes with it. And if you have to get married or you really want to get married, I know you say it's a kind of a cute answer. Oh, I'll break him. No, I mean, honestly, I mean, can we be honest? You can love someone and also be wasting your time. If this is like your life goal, life mission, what are you trying to do? You're trying to have kids, trying to have all that shit? No, no kids, never. Okay, well, okay. I mean, if you're rushing into marriage, you can assume that a lot of the other things are gonna come with it, but okay. He is so perfect in every other regard. It's like, why are you so against this one part? Like if it was just- Well, he thinks it's a scam. And if he thinks it's a scam, which it's objectively not, he's so far gone on reality when it comes to marriage. I don't think you guys are ever gonna see the eye to eye on that. So I like, I don't get it. I'm determined. I'm determined. You're determined, but you might just be wasting your fucking time. Then I will waste my time and be happy while I do it. Except you won't be, cause you're not married. And one of your big goals is to be married. I'm not trying to talk you out of dating this guy, but I do need you to see the reality situation. And you're still very much in the honeymoon phase. You're a year in, like what the fuck? Everything's golden. Everything's happy. A couple of fights here and there. Okay, sure. Right? He's just like proven to me to be the best domestic partner in like having the house and doing everything we do together. That's great, but you really wanna get married and he doesn't. How important is that to you? From everything I understand, pretty damn. Scale one to 10, I'd say like an eight and a half. Yeah, that's so, I'm not saying everything else isn't good. I'm not saying that. It is from the sounds of it. I mean, your finances are not, and I don't think you guys agree financially, but sure, he's a good partner and a lot of the other things that matter. I mean, you were telling Lindsay that you're worried about your guys' future together. Did you tell her? I don't know in what context. Oh, maybe in just the context of if you did change your mind. In the context, why would you say that? Like if you changed your mind and you were like, actually, if you're not gonna marry me, I'm leaving. Why would I go into the mindset of marriage thinking that I'm going to change my mind at some point? Why would that make sense? People change, I don't know. But that's, marriage isn't something you just up and wake up one day and decide, no, never mind. Like, no, that's not how you do it. If you really love the person and have I not proven to you that I love you enough times. But he thinks that overall, what he was talking about before is you guys' different views on marriage and finances could be dramatically troublesome in the future of your lives together. That's what Kyle was saying. I could see that, but like, I think my finances have been a little more in order than they have in the past. And I'm willing to make more steps to fix them and actually see a big, big picture future. You know what I mean? That looks happy. That looks like I could afford a wedding. You know what I mean? Or we could just go vacation in Hawaii. That's what you want to do. Well, go vacation anywhere you want. I don't want a vacation, I want a wedding. Well, to be clear, the only reason your finances are better is because he's completely paying your rent. And that's it. You're not actually doing anything different. You didn't improve your life. You're getting subsidized for a guy. No wonder you want to be with him so much. He's completely paying for your entire life. I mean, that's it. I mean, I'm not saying like bad job for funneling the extra money in the right direction. I'm not saying that, but let's be honest is the reason why. Because you find a guy that's willing to fully take care of your rent, even though you guys make pretty much the same amount of money on average. So... I think he makes more than me. I don't think he makes more. But it's commission, so I have to pay for all my supplies and everything. And I'm supposed to be putting money away for taxes. Pays for all the going on to eat. Put money away for taxes. Yeah, right. It's supposed to be. It's supposed to be. I don't know. Some of the production staff on the back end was reading you as a gold digger. Not gonna say anyone, same. Her? Yeah. They can if they want to. He pays for all the food. He pays for the roof over the head. He does not pay for all the food. I pay for all the food. She buys groceries. No, going out to eat, which is by the way, like probably how we eat. Let's be honest. Like sure, I'm glad you get a couple groceries here and there. Listen, and maybe you are, maybe you're not, but the thing is, it sounds like you're finally, you never took care of your situations at all. You're only 22, so it's not like I'm like freaking out about someone at 22 not going absolutely crazy in life. But the reality is you were making no progress. And not the only reason is cause the guy's taking care of your every single need. And you want to rush into marriage with him and lock him down? I kind of understand why. Can you blame me? No, that's what I just said. Yeah. I can also understand why maybe he doesn't want to rush into it, like you just don't want to. I disagree with that. But I understand not wanting to rush into it if someone's attaching herself as a leech to the relationship. And now all of a sudden it's her only, almost, I believe there is love here. I'm not saying there is not. But the only way she is ever able to improve her life is because you're taking care of her completely. It's the only time, which is an interesting situation to read from the outside. The only time you've ever been able to do anything is because he's taking care. And taking care of a couple of groceries here and there, it doesn't almost sort of make the situation fair. Why aren't you sweating things down the middle? Why are we doing it this way? Why are you completely taking care of him? That's like the baby. Because I know that I've made more and... Well, on average, you said you make four. So I don't understand cause she makes 38 a month. So recently, she hasn't had that job. Yeah, that job just started in December. It has not been a long time. Okay, December, we're talking a couple months now. And you just quit your second job as well. Yes, I did. Which means, okay, so we're not bringing in that extra income. That extra income was literally like $137 every two weeks. It wasn't even supplying the gas to get there. That's not crazy, but that helps start paying for the going out to eat that the dude provides or the utilities or the internet or the phone bill or car insurance. Sound like that is just not money, especially when we're drowning in debt. It also sounds like low hours, low effort anyway. If you're only making that much. It was, that's why I... Now, why'd you quit? Let's be honest. So much drama. No, it's because you wanna be a Twitch streamer. I do wanna Twitch stream. That's why, it's because you wanna be a Twitch streamer and you wanna post the what everyone would think is a man chest online. I don't wanna post my chest online. I just wanna play video games for like random people. Literally lies. I know you're trying to get him to start your only... Again. It was an idea to make more money so we could not struggle as bad. Uh-huh, it's an idea, but I know it's a huge argument, it's a huge fight. Yeah, you can downplay it on camera real quick, but I know through the conversations you guys had in pre-production, it's a big drama. It's a big fight, you guys, is disagreement. I'm starting up the OF. I just think... And you used to do the OF. Yeah, I did. And what were you posting? Semi-news. I never posted fully on the main page. I would only do that for people who paid extra. It has been deleted? Yes. Fully deleted. Fully deleted. So you can't even start from where you were. No. You have to start from scratch. Yes. How many followers were you getting? What were you making? You're in the top 4% of creators after a month. I was, after a month and a half, I made about $6,000. Oh, that's the top 4%. Yeah, it's honestly not a very competitive market when you get into the top 10. Oh, you had clients at the card shop. Yeah, so that was actually why I stopped. That's weird. Because people would DM me and be like, I recognize you from the place I worked at, the card shop I worked at. And that was like, that's fucking creepy. I don't need you coming to my job. It's odd. When you've seen my titties. That's weird. Sure, are they coming to there because they've seen your titties or because they already went there? Because they saw my titties. Yeah, that's weird. I don't like that. Yeah. And they became like a safety thing. I understand that. So why are we starting to back up again? Because you're still there. No, I left there. That was a... So this card place is not public facing? No. This position, you're in the back? Yes. Okay, okay. Well, I mean, if you're posting face, yes, everyone's gonna, people are gonna recognize you at some point. And why is this a big fight, big contention? He thinks only f*** women are whores. And so I can have no respect. Yeah, gotta be the change of honesty in the world. I mean, only f*** women are whores. It doesn't mean being a whore is bad. I mean, I'm kind of a whore. Huh? New age. Not in a way, but I also don't think... But I'm not hooking up with anybody. That never happened. I also don't necessarily think that it's bad as long as people are consensual and safe and not being trafficked or abused. So it's like, I don't really care. Exactly. I don't care what consensual adults are doing. Too shame. If I'm safe, happy, rolling in money, posting my own titties, then let me do it. Like it's not... Okay, I will say my ass way better than my titties. Can we talk about that? Like, significantly better. Let me ask my own. How was this successful so quickly? If we're gonna do it again? I'm mainly marketed through my Instagram and it just kind of took off from there with people from my hometown who had recognized me. Well, now it's very... From the hometown that recognized you? Yeah, so people that went to high school with that were just like, oh, she has a f***ing f***ing now. Okay, well, this isn't very... It's not that exciting, honestly. But you're vitamin league against marriage. You're vitamin league... Do you want kids? No. Okay, so you're at least both aligned on that. You don't want to combine the finances. She does. You're vitamin league against her being a whore. But you want to be a whore? Maybe, on the side. Yeah, side whore, but that's what most people will know you for at that point. So what do these conversations go then? Where do they end up? I mean, typically we'll just kind of let it trail off, stop talking about it, change a subject, whatever. That's not productive. Why don't we have an ending? Tell me, tell me how did this conversation actually go? Give me the dynamic. I need to know what this house looks like. So the very first time, I guess we'll bring up the whole f***ing thing first, because that's the one I remember the most. When I first brought it up to him, I was like, hey, I'm really toying with the idea. I could really use money. I kind of want to start my f***ing again. And at first he was like, absolutely not. Like, no, never. We are not doing that. You are not doing that. You are not allowed to do that. You obviously don't respect yourself enough. But then, I introduced the concept that he could join me doing it. And all of a sudden it was okay. Oh, it's okay now, because your dick will be in it? I think it was just me trying to let you in. Wait, is he gonna f*** you on camera? Is this the play? No, I think when we were talking about this, I think I was just trying to end the conversation and be like, yeah, maybe we'll talk about it to end it. But no, I am not gonna put my dick on camera. But he totally would. No, I wouldn't. I think you guys are too nice to each other, especially this year in. I don't think you guys actually stand up. Cause look at that. I mean, just even like, look at this. You guys are vehemently opposed to this, but she's just like, no, it's gonna happen. It's like. Yeah, I didn't know it was this vehemently in her mind anyways, so it's weird. I don't talk about it a lot. So what, are you just gonna pester and break down until he caves? Yeah, that's the goal. With everything. And this is what you, that's acceptable to you. That's a good question. Damn. Yeah, cause you guys are way too early into this relationship and you have not, how long have you guys lived together? This is fresh. This is baby relationship. Yeah. Yeah. Yeah. I don't think I'll break. You haven't thought about the hard shit, dude. What is the hard shit? Exactly. I need to know. I don't fucking know. And you don't think about the fact that I don't think marriage is gonna happen. Why do you care about marriage? I just wanna feel like intimately close to someone. And plus like all the benefits you said, I pay my taxes. So I want obviously the benefits that come from that. I don't wanna be like forever's filing independently because I just have to. Are you sure you wanna file with him? Well, not right now. Isn't that the thing that you literally do not pay your taxes? Right. Yeah. The government. They agree. They're not very effective. They do have the guns and access to taking money before it hits your accounts. Like they have flying black Doritos that wipe countries off the map. I can't die. You and me don't have much of a say. I can't win against an army, but. Yeah, they will get their taxes. How long has it been since you paid taxes? I haven't paid taxes since I've started my piercing career four years. Three years really. In what happens when you get out of the radar? What happens? Then what? What are you just gonna pay a big bill? You're gonna get out of a payment planner? You're gonna say, the government get arrested. Probably fuck the government get arrested. And that's what you wanna be with. To be clear, a guy in jail. You suck with money. So you download a budgeting app. You start with the classic one. Why NAB? 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 gonna 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 wanna 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, play these people just like you. Four people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. That's kinda 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've thought? That's incredible. Check it out, link in the description below. Sign up for time, get that $350 right now in your checking account. I didn't know. He's standing on his principles. I didn't know he wouldn't just. Oh my goodness, have you guys ever had a conversation about anything important that you guys value? What are you guys just, all day? No, no, I mean, you don't really like to talk about personal things in any room. Oh, that's good. You really are a reserved person. Oh, yippee, in a relationship, that's great. I'm the most open with her, so she knows the most about me. So that's really telling that I'm pretty closed off. Uh-huh. I'm an open book, I'll tell anybody anything. Obviously I had no fucking idea if I'll show anybody anything, just like I'll tell anybody anything. So it just sounds like, I don't know, you're hearing and no one's had a relationship about, like no one's had a conversation about where this relationship will actually go because I don't think we're aligned on anything that's actually critical. I really don't. You guys are just having fun, you're fucking around. This is not a marriage, by the way, this is not a marriage. You're not getting into marriage, this is no marriage here, you guys haven't had any conversations relevant to marriage. Good luck wanting a marriage, what the fuck are you on about? What are you talking about? You guys are just having fun, you guys are like high schoolers, having fun. 16, 15, whatever the fuck. What the fuck is in the car? That's all you guys are doing. I mean, it's not even a lot of sex to be real with you. Okay, well I'm not criticizing that, that's not what I'm talking about, but you guys are just having fun and joining each other's experience. Is that so wrong? Is that not life? To do it in the first half? In the first half, but when you aggressively want marriage with him and we don't even realize the huge disagreements that we have, they haven't even come up until this conversation, yes, actually, that is incredibly scary. And he's a hardcore anarchist and you're a hardcore like upper left liberal, like authoritarian up. So it's like, you guys have worldview completely misaligned as well. This dude's far down your left up. Like that is a worldview conflict. He's freedom, freedom, freedom. You're, I'm gonna cancel everyone's career the moment they say a bad word. So that's where I'm concerned like, okay, what are we doing finances? This is separate finances, right? Like separate finances. Isn't your fairness besides not paying taxes, which, I mean, I would already guarantee your financial situation, but either way, I guess your finances were relatively in order until she came into the picture. Sort of, yeah, I'd say so. I was able to have a bit of a savings. And now it's completely drain savings for her. She's draining you. She wants to get married. She's leeching on. She's drained your savings. Everything's, she doesn't have a- You're just happy that there's someone there, I think. I honestly think you're just happy that there is someone, I mean, you are cute. Someone attractive by your side. Mm-hmm, mm-hmm. Jess, I have a structured settlement, so I don't know if that's like- Well, was the deal that it's gonna replenish you? No, that's not. Then what the fuck? Yeah, we haven't talked about it. I've told you verbatim, I wanna put it back into the house. That's crazy that we- Do you have a house or do you own a house? Ah, complicated. What the fuck were you talking about then? The fuck were you talking about? Put it back into the house, what are you talking about? Get yourself a tooth. Two. What happened? What'd you do? I had cavities when I was a kid and they just took them out instead of filling them for some reason. I don't know why. Brutal. Okay. House? Yeah, we have a house, it's not- We have a house, it doesn't sound like it. It's not a house. It is we, you've been dating since May, you guys aren't married, what the fuck are you talking about? I am paying the mortgage of the house to my grandmother who owns the house. And you're saying we? So we really are latching on and taking everything from this man, are you not? Come on, this is how I'm starting to read it. I'm not trying to just be anti-subtant piercing, cause you have it as well. I pay for my own things independent of him though, that's the thing. Oh shit, he pays for going out to eat. Oh yeah, well- He pays for him to go out to eat. He does not pay for me to go out to eat. He does. When your food is taken care of other than a few groceries and the roof over your head is taken care of, yeah, you're right, you can get things independently cause that's the biggest expense in everyone's life. I'm grateful, I'm lucky, I'm blessed. Now, why don't you chip in then? I can, now that I get my fine industry, What were you making? I was making like seven, no, like six, 89 a week before. I don't know what that total is up to. Okay, that's not that big different. I mean, it's like a $800 difference or so. You could have at least chipped in, even like 25% of your income. Also, I did not stop paying rent the entire time I lived there. He says he buys the dinner like 75% of the time that you guys go out. Lies, literally lies. When we go out to eat together. Which is how often? How many times a week do I see you? A lot. We see each other after we, I get off work and after you get off work every night. So post-8pm, what's open post-8pm? I mean, it's hundreds and hundreds and hundreds of dollars. In miscellaneous bullshit alone is almost a thousand. I mean, bullshit is pretty in this household. And it is, I mean, with other large purchases and unknowns, I'm guessing it's about 2000 bucks a month. But it's like, we don't go out to eat a lot together. It's a lot of eating independent from each other. So like his food money is probably equally his and mine. Yeah, but when you guys go out, he does it. Or when you guys DoorDash together, he pays for it. I pay for DoorDash. No, you don't. You have my card on your file. I do. He says he does. His card is on your file, dude. I don't use your card. I pay for DoorDash. I do. I check my finances. He said the app that I use to check my finances is a scam, which is crazy. I figured everything works for me. What is it? Literally everything's a scam, no. Just try Rocket Money or whatever it's called to try and figure out all the subscriptions that my card had and then it didn't do it. I mean, that's a very good, very good sellable feature, but in action, Rocket Money, honestly at this point, everything else has gotten so much better. I used to support them, but at this point, I would do dollar wise anyway. Listen, the fact is Rocket Money, they're owned by Rocket Mortgage. What do you think they're gonna try to sell you in the end? That's all I'm gonna say about that. So scam, not gonna say that. I didn't say scam technically. It just didn't work. It didn't do what I was thinking it was gonna do. Yeah. Okay, but you think everything's cr... I mean, you don't trust the government, you don't trust the government, you're full anarchist. I don't really understand that. I don't understand. Full anarch is kind of crazy. I'm not full anarchy. I just, mainly all three letter agencies are corrupt, should be abolished, should be rewritten. There's an attack on the species by a guild of psychopaths and they must be defeated. CIA, FBI. No agency at all? Most three letter agencies. Is he a red them? No, either a free write them. You'd be a little afraid of having nothing. Well, I mean, right now it's pretty bad having any of them. Look at the world we're in right now. I'm pretty comfortable. Okay. Well, I mean, in general, obviously you get the headlines, right? The headlines are crazy, but in general, Americans have the best life that has ever been had in the entire history of humanity. And Western Europeans as well, relatively. I mean, it's a bit of a struggle in other places outside of Germany and Switzerland in other countries, but it could be so much better. Sure is what everyone says. And then they can't actually give a proposal that has actual provable results from another place. But I think violence is the answer and nobody wants that right now. How can you see? Violence is the answer. So what are we gonna do? What's, what's? This is not a domestic dispute case. I promise we do not. He does not hit women or anything. He's not leaving that virus. Pull the corrupt politicians from their mansions, drag them to the road, shoot them in the back of the head. How do you determine who's corrupt? You can look at that. I know it's hard because- Paper trails. You know, I've gotten to know people behind the scenes from the craters, through some famous people, even a couple of politicians and whatnot. A lot of people are just people and people subscribe so much more to them than it actually is. They're just people. Yeah, they try to navigate what they're in, but people think there's like these grand conspiracies. It's just like, people are just kind of people, man. Now the world is in it, half of America's in this crazy echo chamber of still thinking that the president's and the government is like helping us, it's not at all. It's here to meet from us. I don't know if the government helped me. No. I take care of my own shit. People are not stupid and they do. They do think that. I don't take from the government. When I was getting taxes and I was like supposed to be getting money from the government. Shouldn't be because you don't even pay your taxes. I'd be very upset. Well, when I did, when I had a job that was W-2 and I should have been getting money, I don't want it. I don't want the government. I don't want anything. Leave me the fucking money. W-2, isn't that just you overpaid? Yes, the money he paid, the money he would be earning. This is you getting back. Okay, I don't want it. Don't fuck me. I don't want the government dealing with me. I didn't get money back. It's money you paid. It's not the government. I get that. You paid that money. I get that. Also, I wouldn't just- You're giving yourself your own money. I know that. I wouldn't just set my withholdings to zero. So that you didn't give them anything. That means you didn't give them anything. You wouldn't have given them anything. Oh. You're giving them automatic what they thought you would owe and that's where they would give you some money back. You were playing the system. And then you lost. Yeah, well. You could have played to win. I mean, they would have fucked you in the end, but. Hmm. And how does that conflict with a more authoritarian left? Like if you guys are actually gonna be together, I'm not saying that, but I mean, just from the pre-production phone calls, I mean, we kind of just know where you guys stand. He's like hardcore libertarian. We have more authoritarian left. I'm not particularly political, to be honest. I don't really love politics. I don't. What about loving politics? Like my core beliefs are not very, very stuck in their ways. I'm very flexible with my mindset. I'm always willing to hear people out. I know, but you're ranting about ice for like three hours to Lindsay. Okay, ice is bad. Ice is bad. Cause what do you do when you're taking a five year old? Well, here you go. I see you have some passion. For five year olds getting kidnapped a little bit. Okay, so you got some passion. You know, I don't want that. It's not like you're completely disconnected. No, I know what's going on. I form my own opinion about it. I keep it to myself. I'm just concerned, cause I just feel like how much of a match are you guys? That's just what I keep trying to come back to. I don't care what anyone's political beliefs are, unless you're like a hardcore extremist, you're kind of extreme and you're. It seems like it, but yeah. Well, well, hey, as soon as there's like a coup, I'm out there, Sivor, I'm out there. Things always get worse after coups. Things get more authoritarian after coups. Coups are usually military driven. It's like a military leader. You want the head of the army? The citizens coup, I should say, I guess. Remember, no Russian. Okay, so a revolution. Didn't that happen with January 6th? And we saw that one. That was staged. You think that insurrection was fake? Well, not entirely, but there was definitely like CIA, FBI agents. What are you talking about? Facts? This sound crazy. No, I'm not, okay. You think January 6th is fake? Not all of it, but it was definitely boosted by the CIA to make it look like a bigger thing than it was. What? Just telling you. Which actually, it really sucks, because I really do think that like, if you do want to make a change in the world, you do need to go to where that change is happening. Which would have been whatever, the Capitol Hill or whatever, but now I can't say that because it already happened and it failed miserably. So that sucks. I don't remotely know how to feel about that statement. Which, thank goodness you came on a financial audit, because I don't think you guys know what either of you believe or think or care about. And you're talking about marriage? Good the fuck. I think I've done my job here. You guys are high schoolers having fun. Kiss it in the bathroom, in between class. That's what you guys are doing. That's it. You don't know anything about each other. Anything beyond surface level, can we be honest here? I think I know him. Yeah, I'm more than anything. What, you're learning everything here? No. Everything. Everything about his actual beliefs and cares and desires. She just nods and says, yeah baby, when I say that kind of stuff. And you want to do that the rest of your life forever? When someone just says something so crazy in Outlandish, you just kind of have, but without poking the bear. Do you want to be with crazy? And he probably thinks you're crazy too. Crazy loves crazy, I think it fits. Yeah, until politics get involved, because people blow up with politics. We just don't really get political like that. You're a year in. I haven't seen it. I think both sides are evil for politics, like no matter what. That's true. I'm honestly kind of with him on that point. It's all just bad. Streamism is bad, but even still. It's all just bad. It's all just bad. I agree that the three literate agencies aren't great. I don't think the government really is out to help the common man. I think it's out to help billionaires get richer. I agree with that. Hey, we have the most progressive income tax system in the entire Western world to be clear, federal. Okay, why is it not helping me? Like why is the system not helped anybody? I know why is it a better job? That's your choice to get the education you wanted. What did you get? What was your degree? I got an associates in marketing. And that's the system's fault that you decided to get an associates in marketing? That's an interesting choice. You have a little bit of agency. I'll agree. There's some interesting things that like segregation stuff, not good. Government system, bad, not good. You, you're in a position where you can pretty much do anything and everything. You have agency. I don't wanna hear the system doesn't help you. Yes, in our capitalism where our stock market is the best in the world, people get very wealthy with their unrealized gains. That is true in the ownership of companies that they start investing. That is very true. But also the median American has more disposable income than any other Western country. That means after all the necessary expenses, essentially healthcare, all that good stuff, okay? Disposable income, you got it all. The system didn't prevent you from getting a bachelor degree. The system didn't tell you you have to go work in card games. System, help you, what do you mean? You don't contribute. You don't contribute. If we're just being honest, system, if we're just being honest, you do not contribute to the tax. At least I pay my taxes. No, that's what I was saying. You don't contribute to the tech system in this country. No. You're part of the lower 50%, which is not a bad thing. That's not a shameful thing, but the lower 50% that contribute less than 1% of all net federal income taxes in the country. 50% contribute less than 1%. We have the most progressive income tax system. How do all the European countries pay for all the good stuff? That taxes, sales taxes, natural sales taxes. That's a flat tax. That hurts people like you. Okay, that's how they pay for the good stuff. Federal income tax, we have one of the most, we have the most progressive Western income tax, okay? So system not helping you, we barely ask for you to do anything. You pay such a minuscule percentage and what degree you decided to get was on you. You're gonna make me sound like the most right winger in the world talking about this, but you're just so beyond victim mindset in this. When I heard the system, why did the system help me? I don't think it's the government's fault. I'm not blaming the government. You just asked why it wasn't the system helping me. Not me specifically. Why are they not helping anybody? What do you mean not helping anyone? 50% of our literal federal expenditures in this country go to social programs. 50%, 50%, not helping anyone, 50%. So I have- And we spend more than we take in. I had divorced parents growing up, correct? That meant one parent had to pay child support. Let me fact check that real quick. That meant one parent had to pay child support, correct? How can that parent get away with not paying child support per government orders? And they just get away with that. Well, usually they get arrested for that. Was he working? No. Well, there we go. If he didn't have a job, he can't pay child support. But he would get a job. That's avoiding. They wouldn't- They would pursue, if you go to the court, the court pursues these people like crazy. Absolutely, and they would get locked up 100%. And that should be the consequences of their actions. I agree. What do you mean? People get put in- We've had people on the show where their divorced a partner or whatever, or baby daddy, is in jail for not paying child support. They're on the run. Can't just say that doesn't happen. I don't think anyone's gonna argue that it's perfect, but I cannot let this conversation, before we get into the finances, come from the place of self-victimhood, because we'll never get anywhere. You have agency. You have the ability to do things. There are some things that are shit. Absolutely, but the things you've brought up so far are not. You're barely asked to contribute to the pile. You get more than you give in this country. By far in terms of infrastructure and programs and whatnot, by far, and grass is always greener. Things look better everywhere else, but not even true. The top income earners in the UK basically make pennies on the dollar compared to here. Even though they get free healthcare, I know. Grass is always greener. So before you say why doesn't our system help me, you've been given every opportunity, but it's not perfect. It's not perfect, but no one's gonna hold your hand nor are you entitled to that. I'm sorry. They didn't even pay me unemployment when I filed for unemployment. Like they literally denied my own employment. You must out of qualify because it is not difficult to get on unemployment. They denied it several times. Okay, were you fired for cause? Yeah. Not for cause, but my... The owner of the business did not dispute my unemployment. Therefore he should have been paying it out via the company, but they would not take the fact that I was fired. I'd like to look into them more. We totally can, because it was a truth. But it is not complicated. I'll tell you that. It is not complicated. We don't give the highest amount in the world in Texas, but it's not complicated to get on it. I would have taken anything, but they gave me zero. Guys, what do we think our household, which I guess are we even gonna be a household ever? I don't know, but our household financial score is zero to 10. Zero being the absolute worst, 10 being the absolute best. Six. Four. You think it's pretty good? Pretty solid. Over the half, I don't know. Maybe, I don't know, over the half. Okay, I paid my bills. I paid my bills. Do you? Cause every time anyone has ever said it in history of this world, there are late fees. Hopefully you will be the first to break the trend. No, I have late fees. Yeah. Why do you have late fees? Cause my account has been hacked, and then I got tired of trying to figure out which accounts had to go to what, and then all my auto pays got taken off, and it was just, it's been a journey. You both have nice eyes. Well, thank you. If you want your Hammer Financial Score, go to Caleb Hammer. We make really pretty babies. Oh, you interrupted my segue, my little segue. Make cute babies, you're not trying to have babies. I'm not. Why would you say that? We both have nice eyes, that's what you say. Make cute babies. Okay. Continue with your segue. Caleb Hammer.com, get your score. It is free, just takes a few minutes. And make sure to download the new and improved and incredible, better than rock and mortgage. Dollarwise is budging an app. It is awesome. New features being launched constantly. That team is incredible. They have just built something absolutely special. Check it out. If you use Dollarwise in the past, this is a completely new version built from the ground up. We got rid of that third party agency that kind of, everything. So check it out, dollarwise.app, start a free trial. And if you like it only through the end, is this going up in March? Only through the end of this month in March, can you get my budget friendly cookbook and my personalized meal plan for you, signed by me and mailed directly to you after March the cookbook's going away forever. So that's, if you signed up for the annual version. So check it out, dollarwise.com. Link in the description below. If budgeting apps make you feel like, this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many regulars, screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't common from your spending. It's common from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it? You're not alone. That's exactly what we built, dollarwise. If you want to call them and clear a way to see where your money is going, try dollarwise. Download the app today and get a three day free trial. No set of nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download, dollarwise, and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. 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 GamerSubs 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 and Fatter. The number one ranked energy drink is GamerSubs. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at GamerSubs.gg or click that link in the description below. Type in code Kaleb. Well, I wanna learn how you guys disagree about money, but I guess we'll probably get that as we go through. What am I looking at? Creditor accounts. It's my consolidation. You consolidated. So is this your finances gotten better by he takes care of all the bills and then you consolidated your debt? No, I did that way prior to meeting him. This was way prior to meeting him. I've been consolidating those cards for over a year now. Do you think it's not crazy that you're having to consolidate debt at 22? I do find it a little absurd, but it's the consequences of my own actions. I definitely did do that at one point and now I just gotta deal with it, you know? Okay, how do you feel about this? You're taking care of everything. Well, she's finally taking care of her own shit. Only because of you. Well, your shit gets in your savings go down. You not care, you passive you. Pussy, what's happening? Man, I don't know. I don't know if that's, I guess so. Really, you don't care. Your savings has been drained since she leached on. It's more so. Well, she takes care of her shit. It's more so I do love her and I do think that we're going to live together forever. That's different though. Her money and jobs have gotten better. I don't want to say it like I was the reason, but I was a very good, I kind of was the beginning of making her quit that shitty job with her shitty boss. What? I thought you got fired. I did, but it was kind of a causation thing. Okay. Okay. Yes. Sure. I get it. But how much did you have in savings? At one point I had like 10K in every week. So she drained 10 in your pain for all the bills. So she's taking care of her own things because you're here saving the day. This doesn't bother you. It bothers me a little bit. Here I am on this show and we're talking about it. Yeah. What's your thoughts? Tell me. Let it out, man. You don't let things out. Let it out. What are you actually feeling thinking about this? Cause you guys need to communicate about this or else this shit's gonna be horrible for the rest of your life. I just want my savings to come back up a little bit so that I can buy fun little frivolous things again. I'd hope it's for the merchants if I'm on a retirement, but okay, that's a start. Let's get savings up. I do agree. Why was savings drained? Rent, definitely. And then bills have increased. Because you're taking care of all of it. Because you see that huge draining rent because rent was going, because rent was there to his grandmother and you didn't chip it at all. Even 25%, you made enough to- You're not communicated to me. How am I supposed to fix the problem if I don't know what the problem is? Can you blame me? I passively aggressive say it all the time. And that's supposed to tell me exactly what I need to know? And sometimes she'll be like, do I need to give you money? I'll be like, no, babe, it's okay. And then I offer and you tell me no. I'm sorry, what story are we portraying here? The one where you're just supposed to know that you should chip in a little. But when I offer, I'm told no. That's not true. You've given me like $300 or $400 a few times. I have. Right? What's your point here? So do you want me to contribute? Yes or no? Yes. How much do you want me to contribute? I guess- How much gets you back to your savings? It would be awesome to have half of the rent paid. I can pay all the bills. Well, what is the mortgage? I don't know any of this. 1500. Do you know the rent's 1500? No, I don't. Oh, yes you do. No, I don't. Okay, all right. I guess not. Why bad? Yeah, Britain's 1500. I don't know how much electricity is. I don't know how much water is. I don't know how much any of it is. You've never told me. There used to be about 100 each or so. Now they're about 200 each. Okay. Do you want me to start contributing to those as well? Rent and- No, if you could just give me $750 a month, I would like help. Okay. You guys have never talked. How do you know what the rent is, dude? Never told me. What the fuck? Never asked. But he's been turned. Okay, well who's required to move first? It would be nice of you to ask, but if you need help, you need to not be passive aggressive. You need to say, I need help. Yeah. You're pusified in yourself- Yes. Like why would you not offer? Or ask even what the rent is. I did offer. Like, hey, what's the rent? I'm curious, you know? I just moved in, what's the rent? If I'm moving in, I would be curious to ask what the rent is. I mean, I looked the house up on Zillow, so obviously I knew how much it was there, but I didn't know how much it was in actuality. I didn't know if his grandma was taking any of that. I didn't know. How quickly did you guys move in? Two months. Is that maybe the issue here? Are you guys just speedrunning this thing? I mean, she's already ready to give- I'm not ready to get married right now. Well, in the future. In my mind, it was a better financial decision because she was living in a department that was expensive and they kept doing all sorts of bullshit extra fees and whatnot. So in my mind, it was like, hey, I don't have to drive to her house every other day going after work to hang out with her. We can just go home with the same house. She can help me pay rent. Now we don't have to- She can't be paid rent. Well. Why didn't you advocate for that then at that moment if that's what was in your head? At that time, I was making the most I've ever made. So I wanted to be that guy that was like, you're fine babe, just hang on to it. You know? But I guess I didn't realize that it was gonna be forever. I didn't realize it was not going to be forever. So consolidating all your debt before changing any behavior, because you're not encouraged to, because he's taking care of all the bills. You don't need to know how to budget to save your life. Is this really a smart play? I don't know. It's $7,444.60. With 167 hours a month. So it's even the right play at this time? You immediately got into a situation where another guy takes care of our bills. Well, how long were you single in between? Between him touching your neps with that other guy and- It was a couple of months. It feels weird. Feels weird. Couple of months of single and then moving in after a couple of months feels odd. Well also another thing- And all the bills are taken care of and you never once asked to step up. Another thing when we moved in together is we both have a lot of animals and taking care of those animals, like making sure we always made time for those animals became really difficult when we were spending time with each other. That's true. So we wanted to combine our animals and make sure they were just all in one place where we could take care of all of them at one time. Okay, four cats and four bunnies. Five cats and four rabbits. Five cats and four bunnies, okay. Yippee, I guess. Sure. I mean, I guess we couldn't find, we could excuse us to move in quick. Decent excuse. Listen, your entire thing isn't just hanging out with him though and taking money from him and draining him and him taking care of all the bills so that you can pay the self. It's not just that. You've been bailed out from your structured settlement that you brought up earlier in borrowing inheritance money from your mom. You've never actually taken care of anything. You haven't changed any behavior. You're taking shortcuts along the way from him, from his savings, from his rent, his roof, what is the structured settlement? I was in a car crash when I was about six months old and I flew forward in my car seat. Six months old? Yeah. I flew forward in my car seat and I cracked the entire back of my skull open. And basically we weren't at fault, so we- I don't think you were then. Yeah, I definitely wasn't. So now I get settlement money, I get a couple, a good chunk every third birthday or so since I turned 18. What's a good chunk every third birthday and how long does it last? The last one I believe is when I'm 32 or something like that. And how much do you get? The very last payment's 32,000. Every one before that is an increment of 10. And you have nothing to show for this. So you get 10,000 bucks a year essentially. Not a year. I know, but you could spread it out. I can't touch that money. It's not physically available to me. I only get granted- What are you doing against it? You're barring against it? I just get it on my birthday. It gets deposited into my bank account on the birthday. So you do get it. So basically, you get 30,000 dollars every three years. No, I get- It was 5,000 when I turned 18, 10,000 when I turned 21. So it's ramping. Yes. And then it's gonna be 15,000 is the next one, 20,000 after that, 25, and then the 32. And 32 is the last. Yes. Okay, but you're literally getting just free money for years so far. Because I was supposed to be- I know, well- It's supposed to be. And you have nothing to show for it other than building up a lot of debt and then consolidating it and then borrowing from your parents. Yeah, just about. And this is what you wanna let yourself to, libertarian. The guy who has- That's why we're on this show. Self-responsibility for everything. Yeah, but I can't change someone's mentality. Oh, maybe a little, but not like their f***ing, like their worldview. Good point. I mean, you should know that more than anyone. Yeah. Your worldview is insane. I know. So- I just think that we're all human, so we all have flaws. And if this is our flaw, then- Well, finance is kinda run everything. Yeah, I know, that's why I hate this world. Money sucks. Yeah, but we do need a method of exchange. We kinda struggled with that as civilization throughout the history of forever. Dude, if I could just go pick up some shiny rocks and we could trade those- Yeah, they didn't work very well. I think it would be a better place again. Okay, yeah, let's go back to that. Why don't we go back to drawing pictures on stone walls as well to tell stories? That was cool. They used to do that by the fireplace. They'd do two different kind of images and then they let the fire crack. But it would be at the end of your life expected to be by now. But- People didn't live long when the world was like that. Yeah. I think I'm happier now. Okay. Okay. We got a lot of microplastics right now. Either way, you're okay with this. You're okay with this? She has nothing to show for that. What about the borrowing from our inheritance? What does that look like? So far, it's only been as needed. So I had to pay- As needed? What's as needed? He pays for everything and you make- I had to- You sell your cheeks. I had to pay off the apartment that was charging me money. I had to pay- What do you mean charging you money? Yes, apartments charge money. Weird. So- Rent's odd. I had already planned on moving out. My lease was supposed to end December 26. So she won't help you with rent with both y'alls are in, but she couldn't even pay her own rent. She won't even pay her own rent. My own rent. That was part of the issue. How much have you borrowed from your inheritance? I wanna say like 3,400? Yo, well getting the settlement. Well draining his savings. I haven't gotten settlement money in two years. You are still getting more money than anyone gets for free for nothing. You're not as far as we know. So like, you know, you're just getting free money. Like that's good. Do you understand what I am starting to see here though? If my patterns don't change, then what's the plan? It's not just that it's your entire, this is your identity. This is your life. This is how you live it. And you're dragging him into it. And he's too much of a cuck to say anything or do anything. Or a simp. I don't know. Not a simp. Not a cuck. Not a cuck. Simp. Not a simp. You're a simp in a little dude. I guess to her, I guess, yeah. That's what I'm saying. I didn't say you're simping to me. Usually it's like just to women, I'd imagine. But yeah, I guess I am my girlfriend's simp. You're right. I hope you're not a simp for other women. That's what I was trying to say. That grip must be elite. Cause you were giving up everything right now. Am I? Yes, you've given up your savings while seeing the pattern that she's done her entire life and not caring about it. I think also, cause I've heard about her credit card situation and there was multiple times where she was like, it's so much better now. And I didn't really ask her to elaborate. So I think I kind of thought that man like, oh, it's pretty much all better now. Maybe now, since she's not paying on her credit card, she can help me with rent. Good luck. Then that hasn't happened. How much is in your inheritance? Cause you should put that into a savings. That's not fair what you've done. I don't know. We're going to call the mom in the post show. So make sure to subscribe to Hammer Elite for that. I don't know. I don't want to know. I'm going to ask. That's not right. It's not my money. It's not my business to know. Yeah, you're pulling from it. What is this moral masturbation that you're doing right now? You're pulling from it. Yeah. If my mom wants to give it to me because we have the ability to, then yeah, I'll take it. But I'm not going to take more than I can. But you don't even know what you can take. She would tell me otherwise. She wouldn't just let me take a million dollars. Okay, well I'm going to ask and find out. Indigo, whose card is this? That's mine. Okay, well you are over the limit by $155.94. Yeah, attach yourself to this. Fees charge, interest charge, four years to pay off with minimum of the payments only without any purchases. Can't purchase now. You're over the limit. Bro, what is going on here? Okay, you owe $1,155.94. What are you doing? What's up with the indigo card? That one. What have you been doing? My interest kicked my ass with that one. Well no, if you make your minimum of the payment and you do not purchase, your interest will not put you above the limit. It will not. It was just for that, this particular instance of that card being over the limit, it was the interest. No, unless you're purchasing it doesn't because if you- I was purchasing, but it put it over the limit. Because if you make your minimum of the payment, a credit card is not structured to go above the credit limit. If you make your minimum of the payment, it barely moves the needle, but it won't go above. Unless you purchase to the max and then the interest hits before you make a minimum of payment, which is what you did. And now it's only going up because there's over the limit fees and it's getting f***ing, and you're not doing anything. Even though he's taking care of everything, you're not doing anything. No maturity, no sacrifice, no f***ing anything. You wanna get married, you wanna drag him into this? How's that fair? At least you guys aren't having kids, so we don't have to worry about other people's lives that didn't consent to it. I'm ended up. I hate kids. Really? Yeah, but aren't you, it's different when it's your own. They scare me, I don't like them. They scare you? I didn't get that maternal instinct. I don't care at all about children. They're cool, they're fine. Protect them, keep them safe. They don't need to be so polite. That's a little maternal. I don't care about them otherwise. That's fine, you do, you don't give a shit. Dude, it's at a 36% interest rate, you gotta, why are you not bringing this to below the limit? If he is taking care of everything and you have the money, why aren't you taking this to below the limit? What irresponsible behavior is this? We'll take your money from your fucking inheritance. What is this? This is a pathetic joke. You can take it above the below the limit and a snap of the finger. Even with your previous income. What are you doing? What are you doing? Why are you acting like a child? 22? Okay, so not a child for four years. So why are you acting like a child? I don't know any better about finances. I don't know any better. No one does, you're 22. You have access to more resources than anyone else in the history. He has that 22. I've been using rocket money to help me with that. There you go, there's more resources. Again, I'd use dollar wise, but regardless, it doesn't matter. You have access to all the AI search engines. You have access to all the search engines. You have access to YouTube. You have access to any book, a library or not. You have access to, huh? Library. Library. L-I-B-E-R-R-Y. That's how I say it. Some people, like 50% of people in Michigan say it like that. That's wrong. Okay, huh? There's two Rs. Girl, I'm not gonna listen to someone that has that many holes in their ear. Ears. Yeah, but your left ear is extra special. Oh, thank you. You have access to more resources than any 22 year old has ever had. Did you hear first report? First scientific study that has ever been done. Gen Z is the first generation to get less intelligent than the previous generation. In the history of humanity, IQ scores are lower. It's likely the phone, but you can at least use that to your advantage. The phone can give you any learning opportunity. You are proving the point. Well, I don't know anything about finance as no one does. You learn it. You learn it. And it is your choice, but you're given more opportunity than anyone. But you have success today like never before. Search engines, AI, you name it, books, they keep stacking. You don't get that excuse anymore. You really don't. 18, I'm not f***ing, you know, how did you at 18, but by the time you're 22, yeah, post college, you should know something. You got an associate's degree. You have skills. I'll let you use the FIS card instead of this card, it's a debit card that builds credit. And when you want to make more money, many people in our audience have used the course career certification to change up industries or boost their resumes. Do that, that'll help you make more money. So I'll get you one of those for free, or you, whoever wants it, get it. Thank you. Stop this stuff, man. You have the responsibility to take care of you, and the interest and fees that you're in are your fault, not that I don't know anything about personal finances. You know what happens when you learn you don't know anything about personal finances? Learn them! Right? Isn't that the answer? Listen, I will relatively almost excuse it if you don't even think about the fact that you don't know anything about personal finances, because then it's ignorance. Ignorance is bliss, man. But the fact that you don't know, that you know for a fact you don't know anything about personal finances, that's when you're just purposefully putting it off. You're choosing to not learn anything. And that's inexcusable. You don't get to take the victim hood at that point anymore. You don't. What do you think I'm doing here? I don't know, who dragged who? He seems to be the one that wanted to be here. I applied first. Because he's concerned about you. I applied first. First, he applied second? Yeah. That's why it's her fault? Yeah. You guys are weird. I applied because she said she did, and then she didn't get on. I was like, oh well, maybe I can get on. I didn't think I would, but here we are. Who has the freedom card? Oh, that's mine. That's me. Did you have this in a balance before you met her? No, I did not. No, I got that three months ago. Three months ago, I was already going up to $347.33. It's rampant. I didn't even know you used that card. Mr. I pay my bill just had a late fee this month. Oh, on the, yeah, just because I forgot about it. I forgot it's there. Oh, it's weird how that always works. No, I did. On time, he didn't. Yeah, so he, I saw it late. An extra $40 got a 40 thing? On the Chase app, the app you use for your bank. Yeah. You didn't see it. Well, because you have to scroll down. I usually just click at it to see what the account is. Yeah. And you just know that. But also it was something like I wasn't supposed to use like $300 of it or something in the first month to get a bonus or some shit. And I didn't, I forgot about it. Yeah, it's still your responsibility to set a reminder, put it on autopay. I don't know, whatever you gotta do, take care of it, put it in your budgeting app, otherwise you do it, man. Yeah. All right, I just gotta know, I will say this, you quit vaping. Okay. Yeah, nice. You can use it as a W. Yeah. It really does. Thank you. That's actually really big. Thank you. And that shows an indication of behavior that you can take control of your life, which is important. Right. What? I did start smoking cigarettes. 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 plans signed by me as well, both of them mailed 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 dollarwise.com or click those links below. Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon, a game changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever and dollar wise is about to alter the future of personal finances. We know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting. What are we doing here? What are we doing here? What are we doing here? What is? What are we doing? Caleb, Caleb, can you show them the new dollar wise logo? Introducing dollar wise reimagined. Dollar wise rewrite your money story. Yeah! Yeah! Yeah! Woo! The old dollar wise is dead. Why type that to me? Why type? That's objectively worse. Wait, what? Is it? OK, I'm only smoking like one pack a week. It doesn't matter, dude. That shit destroys your lungs. Why go from vaping to that? I know the nicotine is lower, but like. Because I was puffing on e-cig for a week. 18 hours a day, like straight, like every 15 minutes. That's bad too. How about like not either? I'm addicted. Yeah, I'd rather use zen though. Zen is bad for your lungs. Yeah, OK, he's just right in his lungs though. That's worse. There is almost nothing worse to your body that you could do that is like smoking cigarettes. OK, well I'm doing it to weed off completely. I'm not talking about your mouth. Because like. OK, that's what most people do when they pick up cigarettes. You smoke? You smoke? Work it for me. I vape. Of course you do. Bro, you picked up six. Nancy, you make out with that? I do. She started it. I don't kiss him for a while after he smoked cigarettes though. Do you what? I don't kiss him for a while after he smoked cigarettes. He stinks. Yeah, it's Nancy's. Do you want to smell like that? You want to be that guy? No, but I'm also angry when I don't have nicotine withdrawal. When I do have nicotine withdrawal. Nicotine patch. Like I don't. Wayne, Wayne in any way other than cigarette, man. OK. Do the oral fixation thing. There's like those things that it's just like no nicotine, you know? Yeah, I have nicotine free vapes because I've been on a journey to quit too. So we've been testing different things. Patches, gum. Smell for a certain kind of weed apparently. Oh yeah. Oh, and you pay for it all. That's great. Dude, do you pay for anything? What the fuck is wrong with you? I pay for groceries. I pay for insurance. Groceries. Dude, you're grocery spending? You're grocery spending? It was so small. It was so small that it doesn't even have a number next to it because we couldn't fit it in the pie chart. It was 1.3% of the spending. I don't know the dollar amount because it was that tiny. I pay for the groceries. Fuck off. Let me look at the spreadsheet. I'll see it there. $87. It's Amazon Fresh is what I use for groceries, so it might just be put under an Amazon category, but why pay extra? I don't get it. What? Why pay extra? I don't get it. Pay extra for what? Yes, Amazon Fresh. If you subscribe to Amazon Fresh or else you pay fees. It's just a regular Prime subscription. And Prime, but you have to subscribe to Amazon Fresh or else there's no extra fees? No, no, no, no, no. What? It's just a Prime subscription and they deliver it to your door for free. Maybe it's a different publication. I don't know, but... If Amazon Fresh has been the most cost effective way to get groceries... Even with curbside pickup, still, it is a fee added to an item that is hidden. You might still be paying more per item and you don't even know it. It's less. I've compared it to actual inside grocery stores. It is less. Also, how much do we smoke weed, guys? It's fucking nice out. Who's trying to chill, smoke some loud, film me? Every day, at least twice a day. What is wrong with you guys? In what form? Bong Rips. Can we say that on YouTube? Bong Rips. Yes, whether or not we censor it, I don't know. Ripping that bong, just... K. Fully dominant, like a shot. Getting pot-sewn off the stinky, brinky, skunk-skunk, fuck 12. Well, it's better than a f***ing blunt or something when it comes to your lungs. I want to get sponsored by Backwood Cigars, man. Everybody send and tag Backwood. We are finding... Like, listen, I was more pro weed for a long time and tell a lot of research these last couple of years have come out. There's not... There's... Well, fun. One, just no positive impacts. But okay, you don't need positive impacts for something to be okay to do. But we're starting to see a lot more negative impacts. More negative impacts. Not like a f***ing, you know, heroin or meth addiction, but people's lives, like when they stop smoking weed, they do not find the joy in the things they do as much anymore. Like those actual negative things are happening. Brain development, especially, I mean, there is a part of... You're not a child to be very clear. I need to make that clear. But as your brain is still finishing up the last, like, 1%, you can f*** with that. You really can. I'm not going to make or break your life. But it is important. What else is the date? It's just like, there's a lot of good shit that's not coming out about it. Even like the wine, one glass of wine. Now, we know that all the negatives still dramatically outdo any positives that come with it. It's just like, why do this in twice a day? You guys are kind of like... But we don't drink. You're closer to the addicted side though. I could definitely stop smoking weed if I wanted to. Is what everyone says until they do. No, weed's easy to quit. I mean, compared to nicotine, like having the withdrawal to nicotine. No shit compared to nicotine. Nicotine's actually one of the worst. It's one of the hardest. That's what I'm saying. It's so easy. It's very easy to just make your mind up and go, I'm not going to smoke. I hope so. And it takes more effort to smoke than it does to not smoke. Well, you should because it's not good for you. I don't think I'm going to give up smoking weed. It's also not good for your budget. How much are you spending? We used to get it for free. Used to. You don't. Used to means not anymore. We didn't get it for free. What do you mean you didn't get it for free? What was the... What's the problem? Yeah. Okay. So, one of my friends needed a thousand dollars to cover court fees to see his kid or something like that. So I gave him a thousand dollars and he was going to pay me back over time and he was also selling weed. So I was like, hey bro, just give me a hundred bucks of weed every week instead and then that'll like... You understand based on how she's lived her life, she thinks everything's free. It's starting to make sense now. How much are you paying now per month or a week? On weed? Yeah. It's like a hundred bucks every other week maybe, not even. And still I could cover insurance and whatnot. I pay for insurance. Car insurance? Health insurance. Health vision doctor. You don't get it at a job? No, I don't. He doesn't get any. Do you get yours at your job? Well, then you don't pay for it. I do pay for it. It's extra. If I was just insuring myself... Yeah, you pay extra but your company likely still covers 50, 60, 70, 80% of it. I'm paying $300 a month for insurance. If you're paying $300, that means your company's probably paying like a thousand. I mean still... How much are you guys paying? Your health insurance premiums? Your monthly basis? A few hundred bucks probably? I don't know. Yeah, something like that. And yet they still do that and we're covering, I think it's 80 or 90% of it. Trust me, you're not paying for it. But I understand what you mean. Sorry, and I'm going to just start off on you. I understand what you're saying. But it's not... You're not paying in the private marketplace. It's still $300 out of her paycheck every. Yeah, it's still a check. That is very... For two people, that is actually not bad. That is not bad. It's full coverage. It's forever. Exactly, that is not bad. For two people... Oh my gosh, okay. I'm going to move on to that. That's just something you've ever had any experience in the real world, I'll be honest. EECU. What is this? That's my car. My Mustang. That's your car? That's a 14% you're a Mustang driver? Yeah, yeah, yeah. Why? Why? It's American V8. Now you care about America, but you hate the government? American built, yeah. You got to have some sort of respect for your country you live in. No, my mom had a Mustang growing up when I was a little kid. My grandpa worked at a Ford dealership, so I was always getting hot wheels and posters. Well, it's a 14% and it's $8,887 while it's worth five. That's 9,000 wheels worth five. Okay, at 14% this is not good, dude. This minimum to payment is also juicy at $584.01 as well. But only 36 months, that's why I thought it was decent. What? Do you have another car that you bought last year? And a motorcycle, what the f*** is happening here? Why do you need all this? Well, ideally it was to not drive the Mustang as much. Get rid of the Mustang, get a better one when you can afford it. I want that Mustang for the rest of my life. What is it? It's just a 2011 convertible, it's blue. It's awesome. It's all right. It's a car. It honestly, it's broken more times in our relationship than my car ever has. But not as broken as your relationship. Damn. It's only broken once. Twice. Wait, this is delinquent. What? Oh. What does that mean? It's delinquent. I don't know what that means. You're not paying it. Or you're behind enough for it to be in delinquency. Oh, I think, I've always had it paid. I think this last one I had to pay was an overdraft or something because- You didn't have enough money in your checking account. It's not that. It was auto pay, but my account, my actual bank account, not just my car got hacked. So then I had to get an entirely new checking account. And then- Delinquent? One LAThe? One LAThe? I don't know. I can't see your payment history on here, unfortunately. You have credit karma on your phone? Credit karma? I don't know. No, he does not. I'll tell you right now. There we go. Who's capital one saver? Mine. Back to Megan. $568.69. $569. Eight, uh, sorry. And you have a minimum of the payment 18. That's not even that crazy. Why the fuck aren't you just paying this? I don't get it. This one's part of the consolidation. Okay, okay. That's part of it. Okay. Oh, well, yeah. I mean, it was brought down to 1.9, so it's paying it through that. I understand. You could just pay it off so much quicker. I had a 1.9% ray. I might not, though. Okay, who's cash app am I looking at? Mine. Okay, money from people, 2015, 15, 54. Just getting random money. Probably just food. Yeah, back and forth. Chase, who has eight bucks and 10 cents. What is wrong with you? I don't have eight bucks and 10 cents. He takes care of everything. No, it doesn't matter. You did it this point, and that's all that matters. This was literally a couple of weeks ago. So your statement ended a couple of weeks ago. Yes, it's always going to go up and down. But the fact that you let it, well, he takes care of all the bills down to eight dollars and 10 cents is f**king madness. That is actually madness. Amazon Grocery subscription. I told you. I told you. See? That's why it's free to you. Because you pay a subscription. I told you you have to have a subscription. I thought it was part of nothing, Brian. What is wrong with you? $340 a fees last month. Wait. Oh, Apple bill. Prime video Dutch Bros. Well, we're getting fees. Go and get some bullshit selling out five bucks uptown. Cheesecake, taco, gabbana, where we're getting fees. Bullshit. Apple bill. Chick-fil-A going inside. Get into bullshit. Burger King. Overdraft. Steam games. Where are we overdraft? Then overdraft. Then overdraft. Bullshit. Bullshit. Amazon. Petco. Amazon. Amazon. Senate. Mike's Bakery. Strab sites. Stream labs. Over. And what are you making off Twitch? I don't. Uh-huh. How many followers do you have? Around 100. I'm not affiliate yet. I haven't done the full process to be affiliate. What the fuck? Get into affiliate. It's the easiest thing in the world. They stream like five days. I don't have to. I didn't have time to stream five days. You don't have time? I didn't. Oh, fucking. There's no time. Two jobs I didn't. I don't want to get in that. No, you can defend me. I'm working two jobs. I did not have time to stream. No, doesn't sound like it. I would get home. I would be gone from seven in the morning to 11 p.m. No, no, no, no, no. How many days a week? Three. There's seven in a week. You want me to stream five days a week? Yes. Welcome to streaming and content creation. Is that what you wanted to or not? Oh, you are a child. I am transitioning into it. That's what I wanted to. Transitioning into it. What the fuck are you doing? Oh my God. Don't stream. Don't stream. Why? You don't want to see my beautiful face anymore? It's an okay face. Unfortunately, you cover it in facial reconstruction. Piercings, but it's like. Facial reconstruction. No, no, no, no. Altering. Altering. Altering. Altering. Not reconstruction. It's like, what are you doing? You work three long days. That's what nurses do. I get these a week and they get paid way better than I do. Yes. Maybe you should get a better degree. Welcome to the system. You overdraft to yourself again. So you get a steam game. Dumbass. Mike's bakery overdraft for your stream labs. You can't even stream five days a week. You overdraft again. What I use for overlays on stream. Oh. You overdrafted for it. That's madness. You're just a child. Overdraft, overdraft, overdraft. You're just a child. Overdraft, overdraft, overdraft, overdraft. What the fuck is this? Leave. Leave. Leave. Run. Leave. A thousand dollars in overdrafts. Oh. Bloop your Amazon. What does overdraft mean exactly? She didn't have enough money yet. She still purchased stream labs and steam games. I see. Dumbass. Amazon's all groceries. I'm not kidding. It's just groceries. Oh, let's see. Oh, let's see. Go to my orders. Givey, givey, givey. I'm also going to look through your guys' text messages. In the post show as well. Don't be pretty gay. That's what I want to see. Okay. Yeah. Ben and Jerry's critical groceries is in the shopping cart. Groceries. Chargers. Poop. Cat litter. Scoop free disposable crystals. Oh, I used to get those. Yeah. Lots of them. Givey, these are like necessary groceries, man. Cat food, bun and fruit litter. Her iPod groceries for the household is Orville Popcorn. The three rolls fly strips for the home. Xbox wireless controllers. That was his birthday present. You already got it? Yeah. Oh, okay. Okay. Fine. Fine. Apostasauce. I'll allow that one. A candle. Warmer. Car charger. I don't give a f***. You're still purchasing a Pepsi. This isn't necessary to survive. I'll get you our meal plan. Okay. I'll get you our meal plan. You can also get the grocery list in our debt class that comes with the Master of Money program, which you guys get for free. But what the f*** is this? This is a joke. It's not supposed to say, oh, what the f*** is that? What have you done to your phone? It's all pink. What are you doing in my settings? You know, snooping around. You pay for dropout. You actually pay for dropout. I love dropout. This is not as good as hammerly, but I appreciate it. They're good. That's good. And I call it postie. That's fine. Crunchyroll. Don't need that to survive right now. So does that mean this is your checking account with 2000? Yeah. Leave. Amazon, Appleville, McDonald's. I still have a sense in them on a bullshit. Oh, yeah. When you have freedom, you're free. And a bad car, which you should pay off the freedom. I just wipe out. Why are you bringing money up on there if you're spending your check in account that you can't afford? Does it make any sense? And also just pay your taxes, buddy. Why get arrested? It doesn't make any sense. No, none of us like taxes. But I mean, I'm sorry. You're not in an aggressive tax percentage anyway. Oh, good. It still sucks. I don't know. But just pay. What's the principle? Principle? What's the principle, though? I mean, you drive on the roads. You get the stop lights. The government needs money from me for taxes. They can go to the church. There's billions right there that there's untapped. Okay. But the thing is, you still reap the rewards of living in our society. I was forced to. You will get social security. In any society, even in, I don't know, Uganda? Not the F**k you, Uganda. I'm sorry. But you'll still get taxes and roads sometimes. Welcome to existing. I'm sorry. We didn't consent to it. It still exists. Uber eats PayPal. PayPal Uber Uber smoke and peace. Smoke and peace. Apple bill. Metamafia. The reason I'm not freaking out as much about this, and it is still aggressively bad to be clear. One, he's not over-drafting. He's not taking money from other people and taking from their inheritance and f**king, you know, getting piles of money every three years. This is still stupid. You have a horrible car. You're spending your racket of money on your credit card, and you've drained your savings. What do you drive? These purchases are stupid, huh? What do you drive? Tesla. Oh. Your opinion doesn't matter then. More America built in your car. B**ch. Doesn't he want an immigrant? South America. I mean South Africa. Huh? Well, he is an American citizen, first of all, to be clear. His grandparents are from the United States also to be clear. Don't f**king make me like, I'm not trying to stroke a dick of a man, but I will say it is fully built in America with American shit. That's true. So, what are some parts that they assemble in America, usually for like, four to one knot or made overseas and then brought here? I know that. Well, at least I'm not in a f**king microwave. What is this? Technology progresses and you want to stay in 20th century technology? Yeah. What are we doing? You want to be in the f**king dinosaur? Cold box? Cold boxes that are getting in the refrigerator? I want my car running on explosions of dinosaur skin from 2000 years ago. I don't want a car that can be turned off remotely from 1000 miles away by one button. I don't like that. I will admit to that part. Yeah, not the biggest fan of that. Probably a conspiracy, but also... Probably also possible. Also be generous. Yeah, you will. Apple cash, dollar point, Apple cash, PayPal, PayPal, PayPal. Best Buy Fridays, DoorDash, DashPass. This is... Dude. Yeah. And you're doing victory ministries anyway. I don't know what that is. That's the banana bread. Oh, shit. Homeless people. They're not homeless. They're crack addicts. Recovering crack addicts. And their banana bread is good. It's good. Well, it sounds church related. It's not on our counter and it rotted away. You didn't even eat it. If it's ministries, it's probably church related. Ranton and Raving over there. Yeah. Apple Bell, Smoking Peace. This is so f**king stupid, dude. You have a horrible debt. You're building your freedom card up. Why? Pay it off and stop spending your bullshit and build up your savings. Now it's kind of on you. The whole thing about... Dollar point, Uber Eats, Uber Eats. You've also had an over-traff this year. So f**k off. You are being a dumbass, dude. I don't f**king know. Okay, who has $6,000? Okay, so at least you have this, but you're definitely dramatically behind in retirement. You need to start now, but you need to pay off your debt first. Guys, I don't understand. I don't know why you're together. Do I budget this household together? Probably not because you're not going to be together financially. So it's like, what am I even doing? I don't know how to do this. What do you want from me? Well, how do you think we feel? No, no, no, what do you want from me? How do you want me to structure this? A budget tour of the city. As a householder. As a household. Yeah. Yeah. Okay. Okay. $7,800. It's your income. Oh, it's a budget. It's a household. That actually makes sense for you guys. Is that how you're going to do it? Is Mr. Mann going to have that happen, or so it's? Your minimum monthly debt payments are $910.00 and one cent. What's the rent? $1,500. We're struggling because of that. With your guys' income, it doesn't make any sense. Okay. Utilities. All utilities, including internet combined. All utilities. Just about. About $800.00. That's pretty intense, but okay. It's like. Car insurance. $250.00. Do you together? No. No separate. $29.00 plus. $197.00. Gas, room, room, drive, drive together. I get gas once a week, and it's about $22.00 to fill up. Mine is about $40.00 a week. $248.00. Car insurance $447.00. Pwn bill. My mom pays for mine. Of course. I don't pay mine either, actually. Get helium when you do, because T-Mobile is definitely good in that area. used as those towers for a much cheaper service. As a food should be able to do 600 dollars for the house. T.P. Fun, anything else you guys need to survive to. Fit that should be good. It is tampons, all the goodies, makeup, whatever you need. Medical healthcare, co-pays, how much? I assume you're in aggressive amount of therapy. 30, 50, 75, depending on which visit it is. Okay, well, are there frequents throughout the month? You're not in therapy? I go to the doctor once every three months and that's $30 co-pay. I'll just put 10 bucks, is there a gym? No. I have a gym membership. How much? 20 bucks a month. What the f- do you have a gym membership for? I've always had one. You've never stuck one in a gym ever. It's emergency, I used to. You've never went ever in the entire time we've been together. Okay, subscriptions, I'll put 40 bucks. Pat's, there's five cats. Are they on pat insurance? No, not yet. They need to be. They do. I'm gonna market it at about 250 bucks. How much for a pat food? A month and care. Oh, God. Oh, this shit. That would. Literally all that good stuff. If I had to guess. Yeah, round it. Cat food, I buy like one bag every week. So that's $16.99. And it's probably like 30 bucks for the bunny's food. Well, they get, they get. Just what do we think on a monthly basis to take care of them? Probably like 150. Okay, cool. Anything else that needs to be in your budget, put 40 bucks for subscriptions, 250 for pets, for pet insurance, and then 150 for pet food and litter and all that stuff. Anything else that needs to be in your budget? Is there like any overhaul to be able to do like accident emergency money, like money set aside for? Well, yeah, I mean, you guys should save up like a one month emergency fund before you start paying off debt. Or your highest deductible. Okay, let's see. 5,225. This is only with combined though, because it only works if you combine, honestly. That's where we have a lot of money left over. Let's just round it to 2,500 left over on a monthly basis with our debt. Listen, IRS, we do not know you need to take care of that. Get on a payment plan immediately and pay your penalties and interest. Do not go to jail. Like why the principle is not worth jail. I just don't understand. Jail's not fun. You pay off debt in seven months, guys. This isn't bad. Pay off all the debt in seven months, get a fully funded emergency fund, which at that point will be about, the household 25,000, which takes like six more months. So it's just like, that's a year and a half for me. You guys are at 100% set. This makes no sense. You're being stupid. But you need to figure out the IRS. You need to separate line out of the people you need to chip in here. And you guys need to bunch together and communicate. And more than anything, you guys need to figure out if you're even life partners. Not even life partners, but partners. Especially before you combine finances, because I feel like you guys don't even know each other yet. This is weird. It's surface level and it's weird. Listen to the post show. I'm going to go through their taxi. If they have any fights in there, we'll see if anything juicy is in there. We're going to call the mom talk about the inheritance. And maybe someone will get pierced. We'll see. So join Hammer Elite. Make sure to download, otherwise you can get your Hammer Financial Score at CalebHammer.com. Now click that join button. Join us in the post show in Hammer Elite. See you there. Wait, but I'll also get the Hammer Financial Score. Won't I? Spending in the budget, you overspend zero out of 10 that month. Debt, the whole IRS, zero out of 10. Emergency fund, nothing in savings, zero out of 10. Retirement dramatically behind, especially both of you combined one out of 10. Real estate, zero out of 10, because you're not on that title, right? Right. Okay. So Hammer Financial Score for this household is 0.5 out of 10. Click that join button. See you there. These are texts between me and my friend during the argument. He basically said that if I gave him a, he'll forgive my debt and pay me for the extra hours I work. Did he actually say suck my dick for money? It was like an idea I was contemplating with. And he was just flat out like, no, if you do that, you have no self-respect. Should we call the mom? And may I ask how much is in her inheritance? So I got about $ and I've spent on her probably close to so far. Next week is the final week. Don't forget to download the new Dollarwise Budgeting app. 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 mailed directly to you. 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.