The CRAZIEST Reveal In Financial Audit History

To watch episodes of Financial Audit a week earlier, check us out on YouTube. You are not able to define what is going on in this relationship very well at all. Because last time we had a big fight was a couple weeks ago when she started talking to another man. It was an old friend from high school. You didn't make it sound like a friend. He can check my phone because I know he has his doubts. But it did happen a couple years ago. It's the same guy. She sent him to **** in 2023. She told me she's only talked to him on Discord, but that's just the voice. She still talks to him on Snapchat. Whoa! Okay. And all of the messages are where you can see them. Because I made it that way. Dollar Wise is finally here, sending waves to the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, 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 or 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. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies plus lifetime access to DollarWise Premium. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below. My name's Luna. I'm 23. I'm Alphonse. I'm 29 from Tulsa, Oklahoma. And this is Financial Audit. Thanks for coming down to Austin, guys. What do we do in Tulsa, Oklahoma for a living? Let's start with you, Luna. I work in a fast food restaurant. Okay. You do have fast food restaurant vibes in you. I don't know how to explain that, but it's like if I pull up to the McDonald's, you'd be the one white out of all the Mexicans? Not quite McDonald's. Okay. You don't want to say which one. And that's okay, right? I'm assuming. Drive-thru based. Drive-thru based. Okay. Solely drive-thru. Drive-thru stalls. Uh-huh. Gotcha. Okay. What's your position there? I'm a chef manager. Okay. So maybe making some money. I tell people what to do. Hopefully that's a little more money. Oh, I see. We got a cute couple shirt. I didn't notice this when we were in. Yeah. Hopefully we're in love then. That'd be good. I don't want people on who aren't in love. So what do you make in this position? Right now I make $15.25, but... Well, Tulsa, it's not one of the more expensive cities, so $15.25 certainly stretches further than like $15.25 in Austin or Dallas or Atlanta. So, okay, $15.25, how many hours a week do you get in? $35 to $40. Why is it $35 to $40? Why is it not $40? You're the schedule manager. Schedule yourself to $40. I have a manager above me that does the schedule, and we're not supposed to have overtime technically, so she tries to schedule... Well, $40 is not overtime. hours, but we have to take breaks. So if I don't take all of my breaks, I get closer to 40. If I take all my breaks, I get closer to 35. Okay, so it hits your account per pay cycle. I get paid every week. And what's that hit? It hits on Friday. No, 440. 440 a week. Okay, thank you. 430 a week. 430 a week is actually kind of brutal. 52 divided by 12. I'm going to say that's $1,863 a month net average. some months are longer more weeks, some are shorter her health insurance is over expensive compared to other places she's getting screwed with health insurance you guys not married? are you getting married? how long have you guys been together? I've been together 5 years I proposed officially last year we're engaged congratulations, when are you guys getting married? we don't know yet financially first I would say so Because $1,863 ain't going to make you very far. So, Mr. Alphonse, you better be making a shit ton. Please tell me. What do you do? I'm a line cook, part-time. You also look like that. You guys look like your jobs. Yeah. I don't know how this is possible, but you look at your jobs. Well, that's good. What kind of line cook? If you love cooking, what kind of cooking are you doing? Burgers. Okay. Is it like an Applebee's? Yeah. Type. Yeah, it's Chili's. Hi, welcome to Chili's. Oh, well, same thing. They're the same exact thing. Yeah. Hey, if you love cooking. I do. It's not the place I would be because isn't it a lot of it like frozen? But that's okay. I respect that. Yeah, Chef Mike has used a lot. He's our best chef. He's used a lot. If we need more time away from each other in doing work, we do DoorDash. If you need more time away from each other. Yeah. So we need more time away from each other than the people that are engaged. If we need time to cool down. Maybe that's why we haven't gotten it. Cool down. Are you guys fighting a lot? It depends on the week. But yeah, there's some things that she yells at me about. And I yell at her about and yell. Yeah. That's not necessarily the greatest. It's not too bad, but it's not great. It's not too bad, but it's not too great. That meant absolutely nothing. So our finances is what's putting the strain on it the most. Well, I would say so. That's why you're here before you have to say that yourself. What do you make in this position? I make $15 an hour and I work three days a week because I am disabled. I have a broken knee I have a chunk of my kneecap missing Why are you working a standing up job? Because it's the only thing I can get I used to work as a forklift technician and I lost that job because I needed knee surgery But you already had it, right? Yeah, I had it last year You get a forklift job again I actually went there yesterday or today Well, same place, but Tulsa's not a micro dick town. I'm sure there's other places with forklifts. Yeah, the place I used to work at is one of the biggest forklift dealers in the United States, even the world. They offered me the best benefits and the best dollars per hour. For Tulsa. Well, three days a week. How many hours are you working, though? What's your pay? About $300 every two weeks. that's why there's doordash that's why there's doordash they just do doordash dude all the time i it would be great if three hundred dollars it'd be great if people would order more every week or every other every other oh fuck dick okay so it's 600 bucks what are we even doing that's not even money it's not money but it's it's it's what i can do i mean it is what you can do but you can also do customer service sitting down i don't it's better than when he was in his recovery and not working oh yeah i was on play for six months well yeah but were you on any kind of disability no why they denied me because i can quote quote work you know you're recovering from your surgery yeah yep because yeah social security does not want to pay out okay well they pay out a lot to a lot of people so i don't know how you that up i'll be honest but either way you're like the first person in the history of financial audits ever get denied for any kind of benefit to have for your entire life. I went to the VA yesterday and they also denied me. VA? Yeah. You were in the military? I was. What'd you do? I was a helicopter mechanic. Okay. That's kind of cool. It was cool up until I was discharged. Why were you discharged? Medical reasons. What medical reasons? Bronchitis. And because Obama was making cuts in the military, they used that to discharge me. Cuts in the military? Have we ever had cuts in the military? What are you talking about? Obama made the most cuts in the military and they were actually starting to... Are you sure budget cuts or they were just relocating where money is? I'm pretty sure we only ever increased military costs in this country. I mean, I need to pack check myself but that is pretty much what we do. Yeah, no. When Obama's office was about $800 million for the military budget and then when Trump took office it tripled to like $3 trillion for military budget. What are you talking about? We don't have a $3 trillion military budget. Pretty sure we do. I'm pretty sure it's like $800 billion, and for the first time ever, he proposed a trillion dollar one. Sometimes, yeah. If I'm wrong, I'm wrong. Also, the bronchitis, was that due to the military? Yeah, so when I was in Virginia for training, I ended up getting pneumonia. and I pushed through it and it transformed into bronchitis. Okay, and the VA, what did you try to claim disability on with the VA the other day? This is the first time in history. Yeah, I went there to use my GI Bill because I'm going to school for cybersecurity. Well, thank goodness. You do have to do something. I'll get you a course career certification in cybersecurity. So I'm going to online college half-time to get my cybersecurity degree. Half-time? Why are you half-time? me working nothing. Why are you only half-time working full-time? What are you doing? So between DoorDash, Chili's, and... I would just stop the Chili's things. They're paying for my college. Really? With your, like, five hours a week? Tuition assistance, yeah. You just have to work there for a minimum of 10 hours a week to qualify for their tuition assistance. Not bad. Go for work for Chili's, guys. Yeah, no kidding. So when they told me that, I was like, hell yeah, because my brother's in cybersecurity. He was in Air Force for seven years. So he makes $115,000 a year working for Microsoft. so he told me it's like dude if you can't work because you're need going to cyber security so i was like hell yeah hell yeah hell yeah so when the chilies told me they do a tuition reimbursement uh i decided to do that and it's about for tuition it's like a thousand dollars twelve hundred dollars the reason you guys get in each other's throats though is because you're not paying rent no how do you not pay rent don't you want a roof over your head i think you want a roof over yet. You can't just not pay rent. I don't choose not to pay rent. Well, kind of. Maybe. What's your rent? $800. Then you choose not to pay rent because you guys bring in $2,500 before DoorDash. So you're choosing not to pay rent. $2,500? I don't care what it feels like. That's the number. You're choosing not to pay rent. What are you talking about? Asshole. You are choosing not to pay rent. We have been able to pay rent up until this month. But why? That doesn't make any sense. It doesn't make any sense. He had to get his car registered. But you've got NBA support. Your rent paid for three months. For the first three months. Okay, well, there you go. So you have gotten support. It's not like you're just on the hook. We're just leaving you to dry and die for what it's worth. And now you can't pay rent even though, I mean, listen, $800 for your guys' income, it's not absolutely great percentage-wise, but you could pay rent. So between our car payments, our car insurance, with all the utilities, and specifically and oh we eat out a lot well a thousand dollars actually last month you can't pay eight hundred dollar rent you you think you need you think listen maybe you are entitled to certain benefits but let's just get away from the entitlement for a second you don't need that to pay your rent you're not entitled to that for your rent you don't need that you're spending a thousand dollars going out to eat and then not paying eight hundred dollar rent you're choosing not to pay rent you should get evicted honestly I don't want anyone to get evicted I don't want people to be on the street Well, maybe you should be, because you're spending a thousand dollars going out to eat when you're not paying rent instead. The reason we don't eat is because we don't have an oven that works. And why do we not have an oven that works? You know Chef Mike works real well. You use it all day at work. Come on, you're not going to do it at home. Yes, you can. Absolutely. You can get that pre-prepared shit absolutely 100% loony. Our stovetop works, just not the oven. Stovetop works? Then what the f*** are we doing? You don't just have to use oven. By the way, if you're cooking, like, really good fresh food anyway, stovetop typically does it. Unless you're getting, like, what are you doing? a induction stove the induction stove it's all electric like what is that what are we crying about we love a good flame yeah i would love a flame but you don't i don't no cook it on the stovetop boil your eggs on the stovetop cook your steak on the stovetop between working But do you know how much groceries are? Yes. They're expensive. They're not as expensive as going out to eat. They're about the same. No, they're not. Not even close. We do the math. We check it once a quarter. Fuck you. Fuck you. You can do $300 a person with meal prepping. That is $600 a month that you guys could spend. You're doing $1,000 going out to eat. And then you get groceries on top of that. So go fuck yourself. I don't even think you guys did grocery shop I don't even have grocery shopping No we don't go grocery shopping Then you can't tell me It's the same amount You don't know what the f*** you're talking about And you haven't had an oven since you guys have moved in Which means you're not even working to even try to get an oven Him and Facebook Marketplace That's where we got our oven Yeah we got it for free off of Facebook Because the motherboard doesn't work Because you know every f***ing meal That's actually crazy You're literally crying about not being able to pay rent. Oh, victim me. But then you eat out every single meal. You, your priorities are whack. That is on you. And then it breaks down into arguments. What are the arguments? Go ahead. Take me through one. What goes on in this household? How are finances communicated? What gets to this big, big fight that you guys have to cool off? Usually he forgets about one of his bills and then he cries about it as soon as he finds out. Well, he seems to cry about everything that he's irresponsible about. I focus on all of the main bills. With my paychecks, I pay the rent, utility, gas, electric. You do not, in fact, actually, I would suggest, but continue. All of the main bills is focused on I pay all of that with my paychecks. Incorrect. Well, first of all, that's impossible. If you make $600, you can't pay an $800 rent. That's just silly. What the f*** are we talking about? I'm making another almost $800,000 a month doing DoorDash. Okay, with the contractor taxes you need to set aside, by the way, and then gas and maintenance that are not included in that income. I include gas, but not the maintenance. Okay, well, maintenance you probably should because you are putting wear and tear on your vehicle, not just tires. Mr. Late to get his oil change by like 1,000 miles. Because we can't afford it right now. Okay, every time you say that, I will ring up that you spent $1,000 going out to eat. That is a lie. An oil change. What's an oil change? Go for it. I haven't had one of those for a second. If I do the oil change myself between the oil filter, the six quarts of oil. If it's just yourself, then what the f***? Why are you not doing it? You're a handyman. Do it. I don't have... So when I do it myself, I go to my buddy's house because he's got the ramps to do it. But since we moved, he lives an hour and a half away. My f***. You just told Colton this morning when you guys got here, you haven't even paid a single month that was due, a single bill that was due last month. Utilities, rent, cards, everything. Yeah. All while you're going out to eat? This is disgusting. this is disgusting unknown spending an additional unknown spending we don't know exactly what it is because it's at a place that's hard to tell if it's bullshit or not and now that you guys said you don't get groceries i know it's bullshit that's an extra 700 of bullshit and plus other large purchases 600 you spent minimum on bullshit 2200 2200 in one month where you're choosing not to pay utilities rent credit cards you you irresponsible you say you work so you take care of the bills you didn't take care of the bills last month we're in this month and you didn't even take care of last month what are you talking about big man who shows up to pay the bills this month that we haven't paid yet everything this month why i have your spending you guys are a joke what's your thoughts on this what's going on here woman i'm just wondering where the money's going other than food why don't you know why don't you sit down and look why don't you guys communicate take the bills put them on the table look plug them into dollar wise look i could ask him and he'll try and is that what happens is that what gets into the fight yeah so when we bring up finances we argue about where the money's going i tell her where i have my paycheck's going she tells me where her paycheck's going and we disagree but i have never been late on any of my personal bills because i know where my money is going so it's just you skirting around where the money is going it's you lying because she just said she knows where her money is going yeah it's because it's going to fast food just as much as mine is. What is the fight? I'm confused on the argument. I usually use my cash tips for our food. So there's additional spending then outside of this. Amazon? Steam games? What do you mean Amazon? You get more stuff off of Amazon than I do. No, we would buy the same on Amazon. Last time I bought something, it was Gamersubs. so the last time you bought you bought something for people other than yourself on your Amazon when we're struggling with bills that was one thing and it was Christmas it was more than just Christmas when you have two friends that you bring up from your past you buy them things just as much as you buy self things and when it comes to pay your bills, which is a lot of loans. Once you pay those off, your money will go to food or your hair dye. I haven't bought hair dye in a year. Or it would go to fast food just as much as mine. It goes fast food. You're just as guilty of fast food as I am. I'm not saying I'm not. What gets to the fight? I'm confused. I'm saying the steam where the money because even though his bank account used to be our shared account, but I took my card that I used for that account and opened my own account. What is the fight? I'm still confused. You say you guys blow up, fight, and have to spend time away from each other. You are not able to define what is going on in this relationship very well at all. Because last time we had a big fight was a couple weeks ago when she started talking to another man. and that's and that's when that's one of the recent fights we had another fight we had no no hold on no you are not gonna brush past that what the it wasn't what the actual it was an old friend from high school i told him you didn't make it sound like a friend I have told him all conversation will be in discord so that he can see it. I have told him he can check my phone because I know he has his doubts about whether something's going to happen or not. I've told him it won't. Told him it won't. It's weird that we're even having this conversation. It's like nothing's going to happen. But it did happen a couple of years ago. It's the same guy. she told me she's only talked to him on discord but that's just the voice she still talks to him on snapchat okay and all the messages are where you can see them because i made it that way oh what the yeah in no way whatsoever would any guy or gal want this person in the picture of the relationship wait you guys have been together five years yep since two years ago uh she sent them nudes in 2023. So the reason she has her own bank account is because we separated for a few months after that. And so we ended up having our own separate finances. I don't think it was the finances that needed to separate after that. Well, because we separated a couple months. What the f*** is wrong? Why'd you do this? I low-key don't even remember. No, that is bullshit. Two years ago, sending dude your tits and puss and hole. And you don't remember. You're just telling me you can't remember. Whole deflection and refusal to take accountability. Bullshit. I know why. This is one of the defining moments of the relationship. And now you're talking to this dude again. I don't even remember what happened yesterday. Oh, shut the up. That is some of the dumbest bullshit excuses that anyone could ever say. What the f*** is wrong with you? Why did you do this? And why are you talking to him again? Again! Lady, why? What the f***? I would blow the f*** up too. You suck with money. So you download a budgeting app. You start with the classic one, YNAB. But everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? 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Get that $350 right now in your checking account. I try to set boundaries with him. I told her that she can talk to him as long as... What? She told me... What? She wants me to trust her. And so... Who? So... Yeah. Hold on. By the way I have absolutely zero confidence based on what she is using for these excuses right now Oh she pissed I can see it She didn know this was going to come up Did she I can see it on her face No she did not Oh, she's cooking. Okay. Yeah. So, Rip, I mean, hey, maybe don't, like, cheat. I mean, be in open school. That's fun. We love a good open here and there, except you weren't. That's the thing. I have zero confidence in the world right now. Zero confidence in the world with her. I can't remember what happened yesterday that he did not stick it in her. So there was a physically impossible Because he is currently in the Navy And stationed Yeah but how long was it happening That I don't know All I know is when I found out The messages It was after the fact I was in dive school Oh it's because you went through her phone Yes I found out going through her phone You had a suspicion I did Why are you a cheater I would like to tell the story When I read through the messages, it happened while I was in dive school. She was lonely because I was focusing on dive school and wanted something else, wanted the attention. So she got the attention from two different guys and sent them both the nudes to get something because she offered too. They didn't ask. She offered. Are they even good? To me, they are. Okay. And apparently to them they are because they saved it in Snapchat. That's how I found out. Because they saved it in the messages. Have you gone through and deleted those? It's saved on their end. She can't delete them because they haven't saved. So it's still saved to this day. And I asked her why she opened that door. Because she asked me why don't I trust her. And I said because it happened with him. Is that your phone? Yeah. unlock your phone she talks to him on snapchat and they all they do is send pictures and i have it set to where the picture is saving the chat and it's just it's just pictures there's no text so and you're okay with this i told her that i don't want her texting him on snapchat oh dude he's a boy dude he's a boy you're allowing this look at this he sent a blur the name blur Blur the name, please, chat. He sent a, okay, I'm sexy, kind of want to fuck type of picture. And she sent a sexy, I want to fuck the picture. Dude, you're getting cucked right now. Okay, why are you sending this to him? Huh? Why is this being sent? You can go look at all my other friends. I send the same pictures in streets. You're not sending back and forth. This is not weird. That is weird. I asked her why she does it. She said she doesn't know. What the? But they sent news back to each other. sorry they sent noobs back to each other they're just sending devil horned photos of their faces back and forth yeah she thinks that's funny funny she thinks it's funny oh that is such a cop-out that is such a cop-out too i get wet every time this happens don't with me come on you tell me you don't get any you you don't want anything from him no bullshit maybe back then yes but as right now, no. I don't believe you at all. You guys are just sending back and forth, back and forth. She does that with all my friends. She doesn't... All your friends! Don't do the same thing as... She talks to two people. Her friend, Cass, that she used to fuck in high school. He's sending shirtless photos! That's from two years ago. Look at the date. It doesn't matter. He's sending shirtless photos two years ago. You know what was happening two years ago? You guys were dating! You guys were dating! yeah that's most voice that should have seen so there's no offense but i mean you're kind of fat i am but me too and she's texting this military hunk you know and she's sending like you know this yep and stuff that's why we had the biggest fight because i don't trust her it's all men men men men men she's sending no this doesn't happen this does not happen with normal people there's no women friends in there there is no no no do you stop yourself right now for a second you stop yourself right now there's three women there's there's there's there's there's who's a man there's there's there's finally is a woman then there's are you daddy i am daddy What the fuck? Is this allowed? What the fuck? Is that allowed? Is, I know for a fact, a woman. That is her best friend. Which ones have received nudes in there? It was... It was... I believe. Who? Who? This guy? No. The guy that you... Okay, so... We already went through it, so you're still sending stuff to him. Who else got nudes? He had... Oh, three years ago? Okay. Same time. So three years ago? So this happened before the two years ago, too. It was the same time. It was the same guys the same time. Okay. And this guy, she sent, okay, so she sent him nudes. Yes. She sent him nudes, yet she is still slacking. Slacking. Screenshotting. I'm not screen recording. Snap. Huh? Snapchatting. Is that the word you're looking for? Yeah, she snapped him. She's still snapping him now. Yep. Who else in here? those are the only two those are the two yep well good news they're not in chat anymore did you force them to delete them that is a girl girl girl girl girl girl and then the rest are dudes and two of them you sent nudes girl and girl and girl yeah but two of them you sent nudes to do you not get that do you not get that and i had chat am i the only one here i had you're like You're actually okay with this somehow. I'm not okay with it. Then why do you allow this? I had cut them out. The way you talk to these guys is crazy. I had come to him and I said, these people are my friends. If I don't send messages to them and talk to them in Discord only. Are they your friends? You sent nudes to them. Are they your friends? You sent nudes to them. Nudes to them. Nudes. all these men all these men when we had the fight i told her the only way i would trust her is if i can see everything and this is why i said in the chat to every picture they sent back and forth get sent into that chat for me to look draw the line man she's trying to be talking to people and i told her like any texts that needs to be on discord or text but yet she still sends texts to him in the snap why'd you send nudes to them two years ago two people at the same time and i have zero confidence she did not take any other dick so sorry spam call i can show you exactly what the pick the link is the link not gonna click on it but oh f it's a fan view it's what started before a downgraded of you had of used to this is a used to oh don't yeah i get it okay Okay, I see. I thought you were clicking a link for him to pay. So what is this? Do you do this anymore? No. Is it deleted? Yes, I deleted it. It's not deleted. I swear I deleted it, though you count. Last month, I went to the website to see if you're still uploading it, and you haven't been uploading, but it's still there. I thought I deleted it. I mean, you haven't been uploading, so I didn't bring it up, but it's not deleted. I don't even remember the login if it's still active. That's saved. Your login is saved. It is? It's saved in the browser, yeah. That's how I was able to log into it. That's news to me. Why the f*** is it still in chat? It's saved on his end. I can't get rid of it. Why would you not request to delete it? If he's going to be able to chat with him, why not request to delete it? Because I... I'll do it. I forgot about it until he brought this conversation up. When she started talking to him again. When I started talking to him again. You brought it up to him? So the way I found out she's still talking to him is I came home from work and she was on a Discord call with him. Ah! Ah! Ah! How does that not make you just walk the f*** out? There was also a camera sitting right behind my shoulder in the corner of the room that he has access to so he could hear the conversation. No, that's not, that's such a get- that's, oh my f***, I don't know, I don't know. Colton if your husband did this fiance no not a chance right not a chance so I told her that I asked her why is she even open that door again okay I mean this shit's crazy it is crazy I mean I'm sorry that shit's crazy you sent him tits and vagina you sent him tits and vagina vagina it's not even just tits pussy pussy we had a whole fight and You would think so? And then this is happening again now? How can you trust each other? I'm sorry, to bring it back to finances. How can you trust each other's finances if she's talking to a guy that she sent pussy pics to? Who, by the way, again, and she didn't even say no, I didn't. When I brought up the two people, I have zero confidence she did not stick it in once. Those people she's never... I haven't. Okay, Ants, this is... Because it'll come out at some point in a relationship. This is the time now. This is the time. I know you want to lie. I know you want to lie. And you have beautiful blue eyes. I'm saying this as a compliment right now so that you could, I don't know. Trust me for a second. In the five years, have you never once touched another man's penis? Do not lie. I don't believe that for a second. I really do not. I am telling you I have not. How many more people have you sent pictures to? It was just those two. But why would you? Pussy too. I don't get it He was away at dive school So that's an excuse? That makes it valid I'm saying it doesn't make it valid I'm saying that I don't know why But that's how it played out You don't know why You don't know why What do you mean? Two guys at the same time two guys at the same time hold on hold on open it again oh okay it's still here i was like did you turn it off or yeah well he's sending shirtless photos and then you said nice he said thanks and then you sent oh then you just sent the link out of the blue would you support me what is it look at it google's been done well let me sign it okay i'll send you a screenshot of it okay damn okay you good i'm just a worker and i'll check it out later then the other guy where's the other guy? Who is it? This is crazy. Do you even send him nudes? Oh, yeah. All the time. I get the better ones. You do get the better ones. Okay, I don't think this person has to save them anymore, does he? I don't think he does. But I found out, but it was in there when I looked. Also, did you lose a lot of weight? I've been between 110 and 130 my entire life. I think it's because she got taller. She was, I don't know. Were you dating her, 12? No. She just got taller? I got like a couple inches taller. Have you ever been with anyone else? During the relationship? No. I have not. But he has talked about an open relationship. Well, that's okay. Talking and proposing is different than doing something without the consent of the other person. there's nothing wrong with open relationships if done properly and healthily i didn't bring up open but i brought up uh bringing another person in if she was interested wait that is that that is bringing up yeah you cannot equate bringing up to sending pussy to two individual men vaginal holes holes of the vagina tuckle lips and it was hairy and they were there and they saw them they did what the how can there be any trust in this relationship relationship uh we yeah i guess are you surprised i guess you guys met via dnd party where she was already dating someone else in the group yeah oh and she left the guy and you before they even broke up no while they were together she you yeah and you're surprised that she's potentially a cheater she was you while dating the other guy so the only reason my goodness she when we she told she didn't say that she broke up with him until after wait what the oh you can this cannot be this episode is insane oh my goodness yeah i wouldn't combine accounts i wouldn't be anywhere near you might be a pleasant person in a lot of way but you're a cheater i'm not going to deny it but i have changed okay but you've done it consistently because a co-worker of his gave him a warning and said that you were cheating on him and slept with her co-worker's boyfriend his co-worker's boyfriend and i can tell you exactly what happened with that situation that was mad that i was doing better at my job and that our manager preferred me over her in an hour at a fast food it was a different job was the job coffee shop. I don't think she was that jealous enough to try to destroy a relationship. She was. Because she moved down there specifically for the manager position and I was doing better at it than her. And who do you believe? I believe her because I had a friend. Which her? Really? A co-worker in a relationship told you that the person who is a serial cheater from her ex and to you him so the reason why i believe her is because i had a friend do a a basically a he was a pi i had him be a pi and verified everything pi what that she didn't go over again that doesn't mean it didn't happen pi can't do past other than if there's an entire archive online of them tweeting about yeah i took this dick dude they have i'm I'm sorry. So I was sent a video. You don't want it to be real. I was sent a video. The chick that was trying to break up a relationship sent me a video of her boyfriend, another girl. And yeah, she sent me a video. Hold on, that was another girl. Sounds like he's a cheater too, by the way. Yeah, no, he was. He actually gave her the clap because he was like two different women. And I even, because that lady, that girl. That doesn't mean they didn't. If she's a cheater and he's a cheater, I feel like they likely cheated with each other. If he had the clap and they, she would have given me the clap. No, no, not necessarily. One, not a guarantee of spread. Two, condoms. Three, I was just saying she never wears condoms when she cheats. We've never used condoms. When she cheats. And three, maybe didn't have the clap yet. That doesn't mean you have it your whole life. at the time, so when all of that happened, I know that the video I was sent wasn't her, because the chick was too big. You wouldn't admit on a show that's being watched by a million people that you've ever taken a penis, so I don't blame you. But I've seen a lot of things on this show, and look at your history. Maybe you haven't in the last year, but you can't say three years ago you never have. Not once. Come on, it's in the past. I seriously have not gone and anybody else. You've sucked a dick. No. You've given a handjob. No. You've kissed someone. No. I don't believe you, but that's okay. I have nothing more. Pictures from those instances. So the only ones that he caught are the only ones that happened? They are. It's interesting that that's convenient. I will say the reason why I believe her, because those are the only two guys she's had a connection with. Lies. That's impossible. She's literally Snapchatting like 10 men right there. All of those guys are coworkers. But also even – do you think coworkers in fast food and restaurants do not – that is what they're known for. That is literally what they do to get through shifts in meth. That is it, especially in Tulsa. Dude, I think you are blissfully ignorant. I'm just going to let you know. And I think it's because – has he struggled with women? You can say that, but – You're out of his league. I think he's kind of struggled with women. I think he doesn't want to lose you. he's his fiancee i don't i don't want to lose her but the fact that i believe her doesn't have anything to do with her i mean it does but i don't have a reason to believe that she statistically people are most likely to cheat on well with co-workers that is where and she's snapping them okay open one up of a co-worker random to show me a co-worker actually i'm not gonna no let me pick i was gonna open snapchat for you okay so which one's t a co-worker he is He's an old coworker from when I was in Louisiana. So about eight and a half years ago. I will say 99% of those people are just streaks. She just sends streaks to them. Nothing else. Recent coworker. Conveniently, some of his previous snaps that are saved have now been recently deleted and unavailable. That is her ex-girlfriend from high school. Girlfriend. From high school. Vaginal connection girlfriend. Not that far. But girlfriend, girlfriend? We kiss. And you're snapped. But that's about it. Oh, you are a cock. You are a cock. Yeah, she's sending sexy picture there, sexy picture there. Okay, come on. Tattoos, tattoos, tattoos. Tattoos. Come on. Lesbianism. Sexy picture, sexy picture. Showing her belly. Come on. You're getting cocked. Okay, what about... he is not a co-worker he was from one of them are co-workers dude he was one of the other ones from high school guess what i talked to uh no i think isn't one of your old neighbors yeah he was also a neighbor yeah what'd you do in 2021 because you asked him what korean dish you guys just made together smoked weed and made korean dishes yeah with a high uh ex-high schooler I think he was a neighbor that she grew up with. Oh, even better. A guy neighbor that they're slacking. What about... He is an old co-worker. Oh my gosh, none of them are co-workers. Every person I... He just transferred. He just transferred. Every person I call out, dude. Every person I call out. Every person is not a current co-worker that I've called out. Oh, they rode to work together quite a few times. Yeah. She's done that with multiple coworkers. She rides to work with her male coworkers multiple times. They don't have cars, and if the manager on shift currently before I go in can't do it, somebody has to. I don't know if he's going to answer. If budgeting apps make you feel like s***, 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 red alerts screaming at them about what they did wrong. So, of course, they stopped opening it. 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So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a 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 Gamersupps. 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 Gamersupps.gg, or click that link in the description below. Type in code Caleb. There's no way he just did that. This is from a previous job. He is my only contact with that job to have been able to get my tax forms. On Snapchat? You call. I did call him. I only had his Snapchat. So fucking weird. Just remind me. He is a current coworker. Although I think he's at work right now, so I don't think he'll be there. Also, I mean, come on. I'm just being objective. He's a very attractive man. He is not. Okay. Okay. Well, maybe. We went over. And he was An old co from eight and a half years ago I don think he going to answer either I don think so because you guys only do streaks Yeah Most of them, we only do streaks. You send like one in the morning, one at nine. I think that's about it for most of them. This is weird. And the fact that you're okay with it. I guess you... Because I trust her. Based on what, I have no idea, but it's because you are afraid of being alone, let's be honest. So, Alphonse, you've also told Colton that apparently there's a girl that you were suspicious of that she hooked up with in high school. That's what I told you. Okay, have you a woman since you guys have been together? No. But you said you want to bring her in. You told Colton, you said you want to go hang out with her. Oh, she wants to go hang out with her. In Louisiana. You want to go hang out with her? The woman that you had I also have family over there. Yes, but you want to go see her and hang out with her. Buddy, I'm sorry. Come on. Come on. She, since that incident in 23, and we had her fighting out, falling out and everything, she did build trust. Or she's better at hiding. She's a serial cheater her entire life. I don't believe shit. Once you're a serial cheater, you're a serial cheater. Between statmaps and live 360, and she hands me her phone all the time, and I'm allowed to use her phone, it's just Which is why you're able to see exactly what happens when she drives with her male coworkers to and from work. Because that's all that is. Uh-huh, that's all it is. No one's ever given or gotten roadhead or touched once in their lives. What do we think the household financial score is? Oh, like a 1 or a 0.5? Mm-hmm. Probably about the same. Okay, if you want your Hammer financial score, take the assessment for free at CalebHammer.com. You can see where you stand in the world of money. Where are you doing great? where you're doing poorly what you need to do to improve. Make sure to download if you don't want to be like a guest who ends up on the show, the new and improved DollarWise budgeting app. It is incredible. It is taking the budgeting app world by storm. It is awesome. Check it out. It is brand new. And if you take the annual version, which most people do, not only do you save 50% only through the end of March, but you get my budget-friendly cookbook signed by me, mailed directly to you, and then it's going away at the end of March. And you'll get our new daily budget meal plan signed by me, mailed directly to you. I can't believe you had to put our cameras all around the house just because of her. The camera is just the one in the office because our cat likes to roam in there. Our cat constantly goes on her lap and bothers her on her chair. What's this quick credit connect? That is a loan that I have. Why do you have a loan? To fix the car to go suck someone's dick? No. To help pay rent and utilities. Oh, so when we were paying rent we weren't even paying that was when i was unemployed which the va paid for your rent no so i was unemployed uh for six months the va helped us move into our current house and paid for the first three months wait why am i being told that you're about to buy a house well because we are what you're not paying rent asshole how are you gonna make that make sense so we are looking at a house in Mississippi for $45,000 and the monthly payments is going to be half of rent. Yeah, Mississippi. I guess you guys don't really have careers so you could go anywhere. For $45,000? Yes. What is it? A trailer? It is a manufactured home. No, two bedroom, one bath. Why are you doing a depreciating asset? Just rent. It's better. Can't stand renting. Well, yes you can and you will Because it's better. Don't get a manufactured home. Why are we moving to – what are we doing here? Trying to get her away from all the dicks she's used to? No. We're trying to get – I'm tired of f***ing renting. Why? This is – dude, so you get a depreciating asset and you have to rent the lot you're on anyway. No, then we're going to own the land it's on. You're going to own the land. Yes. Okay. That could be the only upside. But a manufactured housing takes a lot of money, goes down in value, and then you have to try to sell it and it gets f***ed. Why is this our dream? What the f*** is happening here? What are we talking about? The main dream is the land to build our own house. The manufacturer home is just to be able to have a temporary... And how are you getting a manufactured house and land and potentially building a future house when you can't even pay $800 rent without all these loans, without not paying it? What the f*** are you talking about? What the f*** are you talking about? Just because the last year doesn't mean that's what's going to be f*** for the future. Yeah, but it doesn't mean you can't do it now. It was just a year and a half of just f***ed up shit. But that certainly means you can't get a house now. I'm fucking my knee between having different jobs. I'm doing the best I can with what I have. Right. Savings $171. How the f*** are you doing this? Yes, that does mean you can't do this now. That's a good question how we're doing it. But it's just, it's been happening. I told you you're literally going to do it in like a couple months. How? You have $100 in savings. You've done nothing but f*** up everything for a year and a half. This makes no sense. I'm not saying you can't do it in five years, but how are you doing it today? hopes and dreams oh for and hopes and dreams she's not cheating on you that's how you build that trust that trust is three years of three years of going through DMs and she found a way to get it out of the DMs come on seen this game before I've had cheaters before and I know them and smell them when I can they're right next to me why not just open up You obviously want to f*** other men And that's fine There is biological desire there And you The open relationship would only benefit her Yeah, because you can't land No You can go to the gym, get some game Dress better Yeah, probably But it's I would rather stick to what I have Oh, no, I agree, I agree I would just draw the line in the f***ing sand I tried drawing a line and she wants to cross it but you're the one who proposed open uh i proposed bringing another person in relationship why um at the time it was just stale and um with her being swinging both ways bringing another woman in relationship would benefit the both of us did you say no i said that's a possibility then what happened uh what happened is the conversation got dropped and never brought up again. Why? I don't know why. It was just... My guess is because we got too busy focusing on our jobs and trying to make money to pay our bills. Uh-huh. Sure. Back my last job, I was getting $25 an hour. We were living very comfortably in a three-bedroom house. The room is saying having an open relationship takes all the fun out of cheating for her. It is true. It is true. Cheating is a kink for many people. It is. It's kind of crazy. It's forbidden. It's bad. It's naughty. I mean, I prefer more the open thing, but it's because I don't want to give her as well. Hurt my feelings. I don't think anybody really wants to unless that's. Yeah, but I think that's what she likes. Is that the thrill of it? No. Huh? What? Okay. Mm hmm. I mean, you couldn't even afford to take care of your two dogs. You had to rehome them. So you're going to get a mortgage. What are you talking about, asshole? The this makes no sense. You're literally putting this on a f***ing loan, and now your payments on here are $211.29. Who knows what the f***ing interest is? It's horrendous. It's already above the original balance you took out of $3,000 because you're probably not even paying this. What a joke. I have made three payments on it already. And the interest is so brutal that it's just f***ing for a long time. I think the interest is 23%. Yeah. What are we doing? Why do you guys live the lives that you live? Okay, okay, okay, okay. Oh, fees, fees, fees, fees, fees, fees. What's CC Flow? It's a line of credit to help build my credit. To help build your credit? What f***ing credit are you trying to build? You have f***ing personal loans and credit cards and bullshit everywhere. What do you mean build your credit? I'm just trying to make my payments on time, build my credit so that I can... You already have debts. Make those payments on time. I am. Why do you need this? Because I originally pulled that out to help with bills. Oh, there you go. That's the real answer. What's the credit limit on that? I can't see. I don't know. Because if CCFlows, the one was $3,000, that one was to consolidate, I think, two small ones. So that's what it was. You don't know. Oh, my gosh. You don't even know what's happening. Neither of you know what's happening. $1,000? What? You owe $2,308.98. That was the limit that it gave me originally. And then it has refinanced twice. All right. I'll let you use the Fizz card. It's a debit card that builds credit. How about that? Only lets you spend what's in your checking account. Do that. That's it. You can't do anything else. Wait, you had a wife? Yeah. What? You had a wife? So this is why, this extra confirms why you're sticking around. Because you're just afraid of having to go through this again. Well, yeah. Oh no You can't just put up with someone Who takes it Behind your back Why'd you guys break up? That's wife Yeah so it was We were living With her mom And we had a kid And it was You have a child? Yes he lives with his mom His mom that doesn't want him Mike's wife okay well why'd you break up because that's even more intense she divorced me because she cheated on me with her high school sweetheart are we sure this isn't your king what me getting cheated on why would I want that I don't know just because it happens to me doesn't mean I want it to happen so if if my life has to restart multiple times because my wife or girlfriend cheated on me I don't I'm not into that that's I've wanted that when that happened I but she left you you didn't even leave her when she cheated she left you she left me you are afraid of being alone She left me for him and then told my son to call him dad and put me out of the picture completely. She took the house. Did you go to court, dude? No, because. Do you not give a fuck about your kid enough to go to court? I couldn't. What is wrong with you? What do you mean you couldn't? Because I was in a hospital for attempting suicide. Wow, man. Damn. Oh, my goodness. So while I was in there. Then do it later. I'm glad you're alive. Let's be clear. the reason why i haven't yet is because if i were to go now i would lose and there would be no point why because she already has the kid and i am on as you can see my financially wouldn't be able to let him see the kid without her being there and she doesn't even have the time to bring why she was just attracted to another dude why is she being rude to you Oh, no, she's more than that. So that guy that she cheated with only lasted two years. Oh, my book. And now she's with a woman. How old is your kid? Oh, my goodness. What is why you surround yourself with the worst women? Eight? That's a good question. Eight years? Your kid's eight? No, my kid was born in 2019. May 31st, 2019. Okay. Who calls? He's turning seven in May. Yeah. Okay. How long has it been since you talked to your kid? It's been two years. Oh, good death. because so you guys don't have a kid together right no i was living in idaho when uh i was i reached out to her she and she reached out to me um she was living in dfw and told me she was leaving texas to move to tulsa oklahoma she cheated she left you then she cheated and you won't leave and now you're honestly if in the post show brandon literally just her you wouldn't do anything. You literally would not do anything. I would. No, you wouldn't. If it happened and I knew it happened, I'd be gone. No, no, because this has happened so many times and you've never left. The only thing that's happened is nudes. That's the only thing that's happened. Okay, if she literally took a titty, sent it to Brandon in the post show, you would do nothing. If it happened now, no, I would be gone. Because it's, it happened once and it hasn't happened again and I told her, if it happens again, I'm gone. $349 hours of fees. Why is there fees? Why are there fees happening everywhere? I don't even know. What one is that one? This is the f***ing CC flow. I just, I, I, I, I, I, I don't, I don't, I just don't, like, it's like, we're gonna go through this, but how will you ever trust each other? I am not trusting them. You literally have access to all her messages. I do. That is that bad. Our relationship is in that stage. I'm gonna go through y'all's text messages in the post show. Okay. and every time this happens it's gonna be juicy i know for a fact it's gonna be juicy why does this have 145 percent interest rate what is this what is this loan that can go long it's a payday loan yeah that's been refunded three times well i don't know what i'm gonna say it's 1200 $1,925.44 because you just keep refilling every time for f***ing what? We originally got it. It was to help us buy groceries and then the next time when I refinanced it, it was for utilities because we had What do you guys make on your f***ing DoorDash? I make $450 a week. A week. Okay, let's call that after gas maintenance, everything. After gas is the $320. Okay, let's call it 250 then a week okay and then let's call it 200 after taxes that you will set aside make 200 extra a week in actual true after tax profit times 52 divided by 12 okay an extra 867 a month you i make about 150 a week okay on door dash before everything yeah uh you don't do door dash as much as i do i think it's 150 a month is what you do you think a month yeah i think a month because you do when you go to or dash it's like once a weekend i'll call like a hundred bucks then for you yeah oh yeah you guys you're broken man yeah it's because she works four hours yeah well this is a payday loan is crazy payment of oh it's twice a month you're actually making these payments yes the check and go is what she one of the first things she pays with her paychecks $148.12 a month at 145% interest rate Indigo I believe these ones have horrendous interest rates don't they 36% me what are we doing it's maxed out so it's another one of yours why do you need a credit builder dude that one I pulled out payday loan that one I pulled out because you better be pulling out so he's not getting another baby that's not his $970.91. I got that one to help us when we were moving down here because we forgot to account for how much gas we would need after pulling a U-Haul. Speaking of pulling out, I'm just going to keep going back to it because this is, again, the trust thing. Answer this question right now. Okay, hey, let's take your word. You have not cheated. You have not physically cheated. Okay? And you have not sent nudes in three years. Okay? So we're aligned on that word. And you will not cheat. like even if you wanted another guy you would not cheat now answer me this if given permission would you want to other people men and women if given permission this if you say yes if one second if you say yes it doesn't mean you will without his permission i am asking with permission would you be open to that i'd be open but i probably wouldn't take it because after the past year I've been addicted. Addicted. Oh, good. Five years in. Just the last year. I've been off the walls addicted. Why? What changed? More than I was. What changed? That's a good question. How often do you guys... If I initiate, it's once or twice a week. If she initiates, it's once a month. That's addicted? So you would. Come on. If you're giving permission, you would... Come on. I'm saying giving permission. I'm not saying cheating. Giving permission, you would want to f*** other men and women. Given permission. Not necessary. I am. I love your shit, man. Okay. Okay. Okay. Okay. Three years to pay this off. You're addicted is once a month. That's not how I usually define it. That was two years. Like the past two years before this last year, I was doing like once a month. He just said once a month. Like since start of 2026. Which is. I have been doing it more. twice a month yippee I have initiated it three times the past week okay the past week what the fuck are we talking about she got a little horny it's ovulation window great not yet someone pull up their Amazon I'm being told to pull up your Amazon you've had a late fee this year me? yeah like it's nothing a singular late fee Yeah. Oh, start a screen recording. Okay. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. 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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 and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33% discount for three months. Or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies, plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. For fuck's sake. Is this a foldable phone? It's so long. Yep, it's a Motorola Razr. Oh my goodness. Fucking gaming shit. Memory foam seat cushion. Yeah, where you can sit down and game shit. Oh my gosh, professional earbuds for gaming shit. What the f*** is this? Couples Rose app remote. Please don't, that's not on right now, is it? No. I don't, we haven't used it yet. Dude, it's just gaming shit and f***ing stupid shit, man. Oh my goodness. And then another f***ing vibrator. And then, you just set up a gaming setup. How much did you invest into this gaming setup? Actually, the monitors, that's for her Christmas f***ing sake. She was using our TV recording. and I on Christmas I got her two monitors for her setup how often do you watch like once a month if at all I don't know it just doesn't line up he watches it more than I do well if you're not f***ing him that's fair yeah I watch f***ing most daily oh and I jog off like once or twice a day oh Oh. Oh. Oh. Hopefully not in the triple dippers. Gamersupps is good. Use my link on the Gamersupps website. You'll get a discount, okay? The reason we got it on Amazon is because her grandparents got us a $75 Amazon gift card. Okay. But in the future, use mine. I think it's a 10% or 20% discount. It's $0.40 a serving. It is much better to make at home. It cheaper You got a Donald Trump best game or everything And Second Amendment American flag I mean Christmas That was his Christmas stuff Okay That's exciting. And his birthday stuff. Learn a lot while sitting on the pot. Oh, my goodness. You guys are. That book was wild, by the way. That was a book. Yes. Yes. You've read in your life. I have. Okay. I buy him books so that he can read them because they're topics that he's. Oh, that's a fun game. That's a great board game. That's a great board game. It's a great game. Okay. Interest and fees. Oh, this is a different Indigo card. No, this is Destiny. Destiny. What is the Destiny card? That's her. Oh, my gosh. It's all you so far. That was for... We need a credit builder. When I first moved out of my grandparents' house. It was to help me... What was that? I think it was back when we... That was 21. Yeah, when you moved in with me shortly after we got together. $48 monthly fee, credit protection, two years to pay off. What a disaster. What a disaster. Who's creditning? That's Luna's. Oh, Luna! You're just an incredible... What a catch you got here. Most of the loans I have pulled out are because he has shit credit and can't pull them out. I need to define this because everyone in the audience always thinks I'm attracted to literally every single one that comes on here. I just want to be objective. You are not my type, but you are also out of his league. Yeah. Beyond. I agree with that. And that is why you aren't with all this debt with the cheating with the history with it's just like that is why you will not leave. I won't leave for multiple reasons. Yeah, because she takes your dick has big tits is way beyond your league and you're afraid of being alone. Yeah, that's about it. That is it. That is why you won't leave. How does that make you feel? That's why he's not leaving. If pussy whipped them. Wouldn't use that term. I would. I was going to say titty whipped, but. Oh, I've seen both, so. Thank goodness only one of them is Harry. $33.42 a month. $498.73. They really go full bush in Oklahoma, huh? I would know. I haven't tasted any of the Tulsa rainbow. You've only been with one woman? In Tulsa? Yeah, we've lived in Oklahoma for not that long. We've been in Oklahoma. So we're in Oklahoma because my baby mama moved up here, and I moved down here to go be with my son. Where's down, up, where, what? These directions make no sense. From DFW. Yeah. She moved up from DFW to Tulsa, and I moved from Idaho to Tulsa to meet her. Idaho? Yeah. Actually, I hear Idaho's nice. It is very nice. I loved Idaho. But now you're in Oklahoma because of my son. But we moved here so that he could get to know his son and everything, and then that's a free story like two three months after i'm sorry we moved here and she moved here she lost her job got evicted and had to move in with his mother his mother not her mother yet you can't see the kids though no because after she moved out of my mom's she went no contact she doesn't contact my mom anymore the last my mom heard from her is she moved in with a co-worker from a job she had for two months okay what's going on with credit ninja That one was mine. $498.73. $33. I don't even know. You're using kickoff. I do like kickoff as a credit builder. We both have kickoff. That's if you don't f*** it up. Okay, you haven't f***ed it up. That's good. You have not brought it to that $3,500. That's the $35 one. Whose kickoff is this? The $35 a month is. That's why it's not being f***ed. That's good. $35 a month. $3,150. No, no, no. Sorry. That's the balance. $350. Okay. Yeah. Again, this can be a tool to be used, and you're doing it. This one you're doing right. I'm okay with that. Let's see how you're doing it. Okay. Even better, actually. Oddly enough. I went with the cheaper one because I know I have all the other bills, and until those are paid off, I don't want to stretch myself thin. $45 with $5 a month. So. Good. Who's Quicksilver? Mine. Wait. Are we sure that one's yours? Who's above the limit? What's the limit? $300. That is hers. Of course. That is the first credit card I ever got. Oh, so let's keep it maxed out. I had paid it off once completely. Great, so let's keep it maxed out. And then I had to use it again when we moved down here for the down payment. You're not down here. You're up in Oklahoma, like nine hours away. Seven, but yes. You ain't down here. Compared to Idaho, yes. Well, everything compared to Idaho is down here. okay $318.60 with the $25 minimum repayment takes 19 months to pay off if you even pay it off with your purchasing money while interest is accruing while late fees are happening she's late on everything why are you with her just for the tits are they that good no they're fine there's big tits everywhere for Starbucks Starbucks late fees Starbucks you what are you doing what are you doing I have recently backed off of Starbucks because we bought the game and then you didn't recently was literally her last statement where she's not paying it on time getting two Starbucks going above the limit. I recently stopped. This is your literal most recent statement available. You. Make your coffee at home. Make your energy drinks at home. Fuck you. We got gamer sips literally right after we sent these to you. She doesn't like coffee at home. What? Starbucks is like the worst coffee. Just get the beans and you can make it just as shitty. I will say I used to work at Starbucks. And because of that... That was your coffee shop that someone was jealous about? Nope. That was a different one. That was the coffee shop that she had at a resort in Idaho. Okay. Alphonse, you're a Quicksilver. Yes. Time for your Quicksilver. Let's see. $138.26 with a minimum monthly payment of $25. Okay. Seven brew coffee. You're still going. Fuck you. Steam. Going in and getting some energy drinks probably. Steam. Steam. talk about Steam. First of all, how are you spending so much on Steam? I play video games. I do not buy this many video games in a week. It's either a video game or a game game purchase. Oh, you know what you are? I was looking to buy a new video game the other day, and you know what I saw, Brandon, on the top sold? All three are simulators on Steam right now. I do not buy those games. I don't. I can show you my Steam library. Who are you to talk with? I can show you my Steam library. Well, he is, well, come on. You're the two times a dayer. You got a p***er, my friend. I do I'm glad you can at least still stick it in her When I was Trying to stick it in her like everyday We ended up having a fight because She thought I was using her for her body So I had to cut back on that And? Were you? I was not I think you kind of are, that's the only reason you're sticking with her I mean I love her too which is why we're Sticking through all of it You were upset that he wanted to have sex everyday? I wasn't upset It was just with there were a lot of times where he woke me up from sleeping because he gave me consent for it even though I told him that it was okay every now and again random times throughout the night like at 2am he would just be sometimes 2am sometimes noon when she's sleeping at noon but permission I did give him permission to do it sometimes that's fun did you define it was not defined he was doing it every day almost every day Almost every day. So my sleep schedule is a thing. I told her I'd rather stick it in than watch porn. Yeah, well, yes. But, I mean, and that is a fun little kink thing. I mean, I get it. We all like to have fun. And as long as the permission is given, that's something she wanted to do every day. I will admit I did get over. I did go too much. Also, are you able to do it when she's not asleep, too? Yes. Yeah. Okay. I just wanted to make sure it wasn't just that. No. No, it's just. I have to be careful not to cry around him. You f*** when you cry? He gets extremely turned on when I cry, so I can't cry around him. Ayo, what the f***? I can't explain it, don't ask. No, that's weird, man. Please explain. I can't, I told you I can't. And every time you cry, you f***? Yeah, actually. If he sees it, yeah. You're not, why don't you say no? Can you? I can, yes, but I already tell him no about a lot of other things, so. And he does those anyway? Steam games, apparently, yes. Oh, not sexual. Oh, sexual, no, I don't. You guys have, like, a free use situation, I'm hearing. Yes. That's fun. We like it. I'm a big fan. But, you know, as long as it's given, express consent for free use. Whenever she wants to, she can, and vice versa. Well, I think, yeah, you were trying to get yourself permission, but yes. I don't think she's, okay. She's done my bones when I'm slept a couple times. Oh. See, you do it too. Yes. What it's worth. I mean, you're usually not hard while you're sleeping, but. Oh, no, I am sometimes. What is wrong with you? I don't. A lot of things. It's a longer. It's a shorter list of what's not wrong with me. Okay. Who's not making their payment on their coastal community bank? What is that? Actually? You've been okay so far. Coastal community. I don't know what that is. I think it's. the 125 balance. That must be a collections. I don't know what that is. This is credit karma, yes, but who has Coastal Community Bank? I don't know. We don't even know who's... The only things I have... Minimum, we want the payment 25 bucks, balance 125. Who knows what you purchased it on, but someone's late 1, 2, 3, 4, 5 months in a row. It's going to go to collections. That's got to be you. Do you want collections? Huh? Huh? Don't want collections. What did you say? I said it's probably him. I don't know what that is. But neither of us know, so we're not sure. Highest balance, 600. Balance, 125. I don't even know what this one is. We got another Coastal Community Bank of $71. I don't even know the amount of this. Probably $25. So someone else has $75 in good standing with Coastal. And then what's TAB Sunbit? That is collections from back in like 2017. Yours? Yes. Bad. From 2018. 2018. Hopefully it'll be falling off soon. We'll see. That's going to f*** your hammer financial score. F*** sick. What is this? Nelson. That is a car I had when my... Oh, it's repoed? Yes. Voluntarily. When I lost my job. I voluntarily repossessed it before I got late. What could you think? You're in volunteer. It's so good. We know neither of them are good, but that was better than the alternative. I got that car when I had my job, and when I lost my job, I voluntarily repossessed it before it went late. and we couldn't. $8,154 out of the, I think it was $15,000 when I got the car. Kickoff we already have. Open Sky City Bank. I don't think we did this. That is my, uh, that was a credit card. So close. Yep. Man, so you're just a collections guy. When I lost my job, yeah, when I was unemployed for six months. Why didn't you file for unemployment then? I couldn't because I quit. Oh, fucking retard. Wait, I thought you said you... It was a mutual between me and the job. I put in my... I thought you got laid off because you were gone for the surgery. No. Community college. Passed you $1,200 for what, asshole? That's my college. That is the best balance that my job is supposed to pay for. Are they going to? Because it is past due. $1,231.16, which is the balance, but it's also past due. Are they going to pay for it? or they're supposed to if they don't are they going to they're supposed to i have a kickoff in collections fine okay who has three thousand one hundred sixty eight dollars in federal student loans me oh wait no there's probably gonna be more right or is it just there's two okay there's a subsidized and i'm a subsidized what is this for ongoing right now it's for dive school yeah from his dive school what are you gonna do with dive school underwater welding and uh I was 235 pounds when I went into dive school. Does that mean you're fat or not? I don't know. How tall are you? I am now. Back then, I was not. How tall are you? 6'2". I mean, it's probably a little overweight, but okay. 3,000. Okay, student loans. You're in school now, so you don't have to pay on these. Those are dive school. Those I do have to pay. Why? Tell them you're in school. They know I'm in school. What kind of school are you in? Online college. No, you would not have to pay. Is it a certification? uh yes oh there you go yeah probably five thousand sixteen dollars what's your monthly payment to student loans it is it's for the both of them fifty dollars twenty five each oh my fuck okay okay good looks like that's it checking account zero dollars and yet we're still steam water burger pick the worst burger there is literally taco bell He went inside and got some bullshit Clash of Clans you're paying for? What? I did that once You suck other guys dicks I did that once Clash of Clans Recently Really? Yeah Sean and I started playing Naked together And she's playing with the Sean as well No Yeah, she's been playing around I'm having a good time See? Wait, what? I'm not Not playing When I make a joke Wait, hold on confirms it. She said Sean. He said Sean. I said co-worker. No, Sean. That, he said Sean. That's Shawnee. When is that got some bullshit? Got some bullshit. Donuts. Crunchyroll. Taco Bell. McDonald's. Bullshit. Steam purchases. No, the Walmart's not groceries. They don't do groceries. Amazon. Taco Bell. Bolster. When I got some bullshit. Polly Buzz Chat? AI. you're paying for AI you're paying for AI well it's okay if it's a tool for work but you just grill things so I don't I use it for bullshit hold up I deleted it what do you do with polychat I don't know what this is polybuzzchat I've never heard of it it's like random role play there's a different role play for AI he's like with ai no it's it's role play yeah like dnd type role play oh you can goon but i didn't use look at you the two times a day or yeah no way you're not taco bell bullshit amazon mcdonald's starbucks bullshit bullshit lopez girls door dash dave you're using dave i am me Amazon's theme purchase Discord Nitro Taco Bell Bullshit Bullshit Evolution Cigars Chili's Bullshit DoorDash Snapchat Paying for Snapchat DoorDash Evolution Cigars Bullshit It was $2 Just to restore our streak Surprise you don't have Overdrafts Is this yours? Yes 171 Not much better Amazon IHOP Bullshit Del Taco Minnesota Woodlands Broadway Liquor That's a lot of liquor That was for his Christmas present Liquor? She bought me 6 bottles of Jim Bean What's wrong with you guys man? You guys are weird Tattoos Do you have tattoos? There's that piercing Bullshit Blizzard Hello Candy bullshit Arby's well you're spending a lot of money on Blizzard 15 bucks there Arby's McDonald's Amazon Hulu Lin Cuisine Chinese Pokemon Go Starbucks Taco Bell IHOP and I've charged something food bullshit McDonald's McDonald's Starbucks Taco Bell bullshit Prime Video premium all the payments to all my loans doesn't matter you were laid on some and you're only making minimums on others shut the fuck up Starbucks, DoorDash and Casey's you can't pay rent and you're borrowing to pay for utilities go f*** yourself and you're not going to make society feel bad for you anymore once I actually dive into the spending this is what happens every f*** time for everyone that pretends they're like a financial victim, no you're not you just f*** around, Taco Bell, Little Caesar going into the bulls***, Taco Bell McDonald's going into the bulls***, DoorDash over-trap fees, twice already this year f*** you f*** you all for Taco Bell you guys are a f***ing joke the over-trap's weren't for Taco Bell yes it was because it was still in your purchase history it all comes down to it in the end okay income I didn't know she over drafts on her account well she does and yet you're with her even though she sucks other guys dicks I don't remember that when you paid one of the utilities with my card it didn't show up on my account until Monday and then it overdrafted my account by ten dollars total income for the house $3,430 okay well I'm sorry keep going clarify to each other while I add this up when the utility went negative I think we I door dashed and put the money in their account to pay for it to come out of negative no car payments here we should have two car payments oh my but I didn't get them I think oh so I got one of them Did I miss it? Did I miss it? Oh my, what is that? What's the balance? We have two cars. What's the balance? One is $14,000, the other one is $13,000. What's the minimum monthly payment for the $14,000? $540,000 a month. $540,000? Yes. And for the $13,000? $440,000. For three years. What's the interest rates on these? $18,000. all right good luck 1 868 dollars 51 cents is your new monthly payments 800 rent what's your utilities and internet combined uh water is 120 a month electric is 150 a month gas is 90 a month and internet internet is 50 a month or 10 for utilities That's crazy. Phone bill. $150. Use helium. It's cheaper. $15 a line. T-Mobile's good there. I'm sure it is in Tulsa. Gas. Vroom, vroom, drive, drive. $200 a month. For both? Yes. Car insurance. $350. It used to be $450. Grocery. $600. Meal prep. Warm up. It's easy. It's chill. I don't give a fuck on the stove top. Put it in the fridge. Use the microwave. I don't give a shit. Use our meal plan in our budget-friendly cookbook. Assholes. $200 for teepee fun. tampons anything else you need new socks whatever it is that pops up are there co-pays medical payments on a monthly basis on a monthly basis no gym no subscriptions i'll try 40 bucks games and shit pen insurers you got pets one why you already got rid of what do you have a cat cat okay 50 dollars for pen insurance how much for pet food uh 40 a month at most cheap yeah anything else you need in this budget before i say go because there's no way this is going to work I believe that's everything $4,708.51 you're not getting a house I don't know what the f*** you guys are talking about you're already underwater this makes no sense and you suck other guys dicks it's like what are we doing $1,278.51 under like maybe she needs to start the OnlyFans no not really I would never advocate for that unless you really want to what the f*** is going on here assholes what the f*** are we doing what a joke you need to go through the certification as quick as possible and I'll get you a course career like I said on top of it get into cyber security do not increase your lifestyle and pay off all this debt change your behavior maybe go through bankruptcy and you need to figure out something for your f***ing career I'll also get you a course career certification this is income and you guys have gone beyond debt beyond debt you'll never fix this and I don't know how you're not homeless you might need to move in with family I don't know guys you need to improve your careers make more money then pay off this shit. There's no way you're going to do it now. Bankruptcy is likely in the future. This is this is fucked. I need to do your hammer financial score, but join us for the post show, guys. I guess I missed another debt. We'll figure that out in the post show. Me. Oh, the car loans are new as well. I'm going to go through their text. Oh, there's some friends debts. Oh, my. There's so much. There's so much. Oh, my goodness. We'll go into that in the post show. Click the join button. Hammer financial score. Spending in a budget. You overspend zero out of ten debt. There's collections. zero out of 10. Emergency fund is zero dollars. Retirement is nothing. Real estate is zero. Hammer financial score is zero out of 10. They're f***ing features at CalebHammer.com Click the join button. Join the number one membership on YouTube for a reason. Hammer Elite three premium shows posted every single day Monday through Saturday. It's awesome. Join us for the post show. Me. I got something! Uh oh. Lately, I've been feeling disconnected and more like roommates than partners. You wanna talk now or you gonna continue to be pissed off? Then she says, I was talking with a friend that I told about we went to high school together what is your issue while you also sent him your literal don't forget to download the new dollar wise 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 at a 33 discount for the first three months or 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. 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