This Has Never Happened Before | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I have written right to my left, if he doesn't get his finances fixed immediately, there's no f***ing wedding. It's not even just the debt that's making me want to call it off, I'm also the only one paying for it. Bro, she literally told us in private without you that she's thinking of moving out. I'm exhausted every day. Is that what we're going to do when we go back home? Do you want me to pack up and go? Because if that's what I need to do, I will. 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 take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane discount and most people sign up for the annual version because this saves a lot of money and you get my detailed 30-day meal plan signed by me mailed directly to you plus the digital version of my cookbook for each recipe don't miss the opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click the link below. Hey, this is Kimberly. I'm 26. I am Hudson. I'm 25. We're in South Bend, Indiana. And this is Financial Audit. Thanks for coming down, guys. An hour from my hometown of Kalamazoo, Michigan. Nice to bring you all down to Austin, Texas. Kimberly, what do you do for a living? I am a medical assistant. Sure. What do you make? I am making $18.36 an hour. I think I take home monthly about 21. A little fun fact for everyone. Indiana, not expensive. So that's actually potentially okay. Say your take home one more time for me. Roughly 21. A month? A month, yeah. I pay every two weeks. Hudson, what do you do? I work at a steel factory. Sure, there's northern Indiana for you. If you've ever heard of Gary Indiana, that stinky, shitty place on the lake, that's where they make shit. It's horrible. Okay. I mean, you kind of look like it. I fit into the group. You really do. what the f*** is that hairstyle? It's, you don't even want to. Can you lift it up? That's not what I was talking about. This? Okay. It's bad. You know it looks like it's receding more with your weird thing down the middle. This is supposed to be here, but it's bad. Did everyone in the steel plant encourage you? The hard hat, you don't see it, so it works out. What do you make, Steel? I'm at 2125. Sure. What's your take home? Take home, It's about 2,200. It only brings an extra 100? No, that is not. You're making more. You're close to 700. Why does she know and you don't? I know it's like 700 a week. Take home. So times four. Which is? 28. 28. And that's why he hits metal for a living. Okay. Well, okay. Now, you combine that and you live in South Bend, that ain't half bad. But here's the thing. I have written right to my left, if he doesn't get his finances fixed immediately, there's no fucking wedding. Which I assume is coming from you, if you're saying him. Absolutely. So, what is going on? I wouldn't get married to someone who's shitty with finances either, but what is going on? I just, so when we got together, he had the debt. It wasn't nearly as bad, anything like that, but I was aware he had some. When was that? Uh, 2023. Okay. Okay. Only barely just three years ago, potentially we were in a situation where you were coming in with debt, but not this bad. And this is a bad, it's a lot of paperwork. Go on. Um, and for a while we were paying our debt every month. He was doing his, I was doing mine. We were kind of just doing our thing. And then my, we had some things happen that made it where I no longer had a job and some things happen. did you do did you lay it off um my son got cancer yep rip no okay no all this well in remission we're good yes wonderful no real okay starting to look like a cancer patient so it passed to you yep wow so anyway so i'm time to shave I quit my job so I could take him to the hospital. I could be there for him. He kind of took over the financial responsibility for me and my son a month into meeting each other. Oh, why? Did you request this or did he just naturally do this? He just naturally stepped up and he did. And how did you feel about that? It was interesting because my son's dad is not that kind of guy. So having someone step up that barely knew us was just crazy. It was good. It was a good feeling, but it's intimidating as well because I'm like, we don't know each other. Yeah, I wouldn't necessarily allow it. I know there's a lot happening, but that already happened. So then he took over. For about a year, I didn't have a job. We were going through that. Once he was done with everything with his cancer, I went back to work right away. This is a lot of backstory for if you do not get your finances fixed, I'm not marrying you. It was like a week or something. I saw. Yeah. So, okay. So anyway, so then all of a sudden he got. I'm giving him one week to fix his finances so there's no wedding is what was said in the pre-interview. Yeah. So what the, like, I'm sorry, cancer. No, yeah. Cancer's not good. So basically I was trying to. But what's happening now? He's just not doing it. Like he racked up all that debt from taking care of us and then just gave up. Like, I don't know. He just like stopped paying his stuff and it's racked up. Why are you giving up? I'm covering all the other expenses right now. What other expenses? You're giving up like Notre Dame did with the college football bowls. Paying for all of us going out, eating all the time, and then every time we go out to the mall, University Park buying stuff all the time. And then every time we go out and about. That's giving up on paying your debts? Okay, she's giving you a week or the marriage is off. Yeah, I don't. Well, so you're going to keep going to the ball like a teenage girl? She's lying. The wedding ain't off. She's lying. No, I'm not going to marry somebody and commit my life to somebody who can't even pay their $100 a month thing, and then what, we get married and we have all this debt from the wedding and we move into a house and you don't pay that? We have two children. Yeah, but. You can't just forget about all this stuff. That doesn't make any sense. I'm not doing that. I'm not putting myself and my children in a situation. How's your finances? Not nearly. Not as good? Bad as yours. She always does this. She goes in a rabbit hole about how I'm bad, but she's over here buying stuff left and right. Are you fucked? No, I don't think. I wouldn't say I'm fucked. He's the best thing you are, but if you're the one giving the ultimatum, but he's saying you're kind of the same. Okay, look at your debt number and look at my debt number. Mine is very easily fixable. I just have to commit to it. Yours is like. Then why didn't you fix it? wouldn't that be exactly what you would do if it was so easy to fix? You're the one putting the ultimatum, meaning he's the one that is completely fucked up. If you're also doing bad, is there an ultimatum to give necessarily? Maybe that's why he thinks you're bluffing. Are you bluffing? I'm also, so it's not even just the debt that's making me want to call it off. I'm also the only one paying for it. He hasn't put a single penny towards our wedding. Okay, well, you're making more out to the wedding. Yeah, like not a penny. So it's like I'm paying for it all. And if our finances were basically combined at one point during cancer, sad, sad, cry, cry. Why is it so independent now where he's choosing where to put his money? You're choosing where to put your money. It seems like we went immediately combined, then separate. Now we want to get combined again with marriage. So I pay my bills. I've paid my credit cards. As soon as I got back to work, I started getting back. When did you get back to work? Obsessed with going back and forth. Morning of 2024. Okay. Well, there we go. Two years ago. So, yeah, again, I'm talking about today. I don't give a fuck about. So I pay my bills every month. I've paid my car payment. I pay my insurance. When you say bills, you're talking minimum payments, not actually wiping balances. I have tried to pay extra when I can. Whereas? Like, not a single payment. You're just not making a payment? Yeah, no, there's no payments being made. We're just ignoring them. Yeah. I wouldn't want to marry that either. What the fuck is wrong with you? Yeah, if you guys are, do you own a house? No. Are you going to own a house? We have a child. One. Two. Ages. Not in this market. We have the five-year-old son, and we have a nine-month-old daughter. Oh, my goodness. You're not paying your payments? South Bend. You can afford a house in South Bend. Not with my credit. Because of you not paying your debt. That's what I'm saying. What about your kids? Would you not care about them? I think you should. I think we're fine. We're fine? Your credit's not fine. You can't get a house. What do you mean we're fine? Where's the fine? Do you want to get a house for the kids? I would love to get a house for the kids. And fuck you. Yeah. Also, why are you having a kid with someone you're not married to, what I'm guessing is, the second time? No, my son is from a previous relationship. Yeah, marriage. Yeah, marriage. No. That's what I just said. Why are you having another kid with someone you're not married to again? Why do we keep making this mistake? What happened last time? Okay, last time was not the same as this time. And what happened last time? Last time I met a guy when I was 19 at work and got pregnant. This one was a committed long-term relationship. But what happened last time? Why did it not work? Because he was abusive. Okay. This one is not. Wow, you love having sad things in your past. Yeah. Yeah. Okay, why don't you hit her so we can get something sad in the present? We should. Okay. She's lucky. Bad joke. With that wedding stuff, I am paying it back to her. Yeah. Okay, so you're going to pay it back to me, but when is that going to happen? You're not paying your debt. How can I trust that you're going to pay your debt to me? Is he abusive or are you just trying to cover up that? Oh, no, no, no. Your ex before. Okay, you collect them. You collect them. Wow. Your ex before that was the finers. Yes. I have a track record. Okay, so minor, abusive, and now it is someone who's borderline. I don't want to say financially abusive, but you are completely taking down the relationship and you're not going to be able to do the things that married couples want to do with house? and cars and other things like that for the sake of their children because you are deciding unilaterally to completely fuck the finances. All the weight's going to be on her shoulders, you don't give a fuck. Want to get in a relationship? You want to head down this path again? No, he's not diddling a kid. Thank goodness. Appreciate it. No, he's not beating you. I don't see any marks. Appreciate it. But do you want to go down a path of another guy that is... Well, I mean, I guess that's why you put on the ultimatum. I would too. I mean, it is a learning lesson at this point. Obviously, different things. But it will hold back and for life and your kids' lives as well. If this dude doesn't give a shit and he consults no one in the things that he does with his own finances because he only thinks about him and himself. No, I'm paying everything back and I already told you that. What do you mean? You haven't made a payment. I heard you haven't made a single payment. Where's the paying it back? I don't hear paying it back. For the wedding, paying her back. It was more than a wedding in life. The wedding is here. We're talking about the debt that is here and back that you still need to make up for. I don't see you paying me back. Let's just throw out a number, two grand that I put into the wedding. I don't see you paying me back when you couldn't even pay back your $600 credit card. I didn't care about the credit card. Okay, but now your credit is, and when I marry you, that's going to bring my credit down. that's going to make everything go to shit for me too. Your credit's already shit because you don't pay your stuff anyways. I do pay mine every single month. Yes, it's the minimum payment, but at least I'm paying it. Is it getting anywhere? My balance is going down. Yours seems to be going up in fees. And now, oh, I'm sorry. An attorney's office has now gotten a hold of you. Oh, for the collections? Yeah. Yeah. So, yes, I have my own shit, but like... How could you possibly defend yourself and even try to put her in a position that's comparable to yours. It's the same thing, in my opinion. How? How, in your opinion, is it the same thing, guy? Yeah, how is not one of my things being in collections, not one of mine reaching out to me letter after letter after letter and call after call? Because you continuously use the card. You just keep racking it up. No, I don't. I do not use my credit cards. I haven't touched them. Every time we hit target, that thing gets used every time. I know I use my money that I make from my job when we go do that stuff. My credit cards I stopped using because I didn't. So why are you still having to pay on them? Because I still have balances on them. No, don't get me wrong. Like she might be doing bad behavior still. Doesn't mean she's equally as bad as like she's like smoking a lot of weed daily. Right. Maybe not the best for her brain and lungs, but you're like injecting. It's like it's not comparable. Yeah. Probably instead of getting her bullshit, she should be paying down her cards more. I will yell at her for that. But you trying to equate you just not paying anything on your debts? Buddy, I know for a fact here that you're like, okay, no, I'll help pay back for the wedding. I'll help pay back for the wedding. But only after I get my dream car. Which is what I'm trying to do. Uh-huh. Yeah, go ahead. And you're just trying to say you're comparable? Not in that way, no. Not in that way? I would say that's a part of the entire way. Yeah, I don't understand how you're doing this whole dream car thing when you owe me money, you owe credit card money, and now you're wanting to get out a loan and add a ton more debt. I mean, you're not talking about going and getting a small loan and buying a car off a friend. Like, you're wanting to go to a dealership and get a $20,000, $30,000 car. How are you doing that when you're being potentially sued by a credit card? Yeah, wait, how are you borrowing that money? And also, whose dream car is a $20,000, $30,000 car? And also, how are you borrowing that money with your subprime credit? Oh, bringing the 30% interest rate into this household? Yeah, we are. That would be how I am, how I do it. And you think that's a good idea with two children. That's how yours is too. Drive time? Yeah. Same thing. And my car, I'm paying. I am able to afford and pay for my stuff. We'll see about that. No, I would get a high interest rate, but with my hourly, I can afford it. And what is your dream car? Well, I wouldn't say dream car, but... Look, I want to get a Mustang. With our two children. There's seats in the back. They'll live. Why a Mustang? Yeah, it's a... You're wanting a two-door car with two car seats in the back. I don't even care about that. Just why a fucking Mustang? They're nice. They're nice. Okay. Yeah, having no debt, debt-free is really nice too. We'll get there. We'll get there when. It's been three years. And for some reason, your number's going up. Mine are going down. What am I missing here? If I'm understanding this correctly, you're giving him a week from the filming of the show to show that he's changing his behavior. And I'm not saying like you don't have – I'm not even giving him a dollar amount. Just show some initiative that you're going to pay it off, like something. Call the place to have a payment plan. Some kind of effort towards getting rid of it. I'm not going to be putting in the work for my stuff. And then you just continue willy nilly and then you get a wedding and then you benefit from whatever work I do put in. Like, how is that fair to me? And anyway, my car died. I need a car. OK, I get it. What did you say? My car died. I need a car. I'm borrowing my mom's car now. Sure. Is that OK? Not really. Is she allowing that? For now. As of now. Does she say she doesn't want that anymore? Recently. She said that? She bitches in Mars. Instead of a Mustang EcoBoost bullshit, dumbass. Good, I guess mileage. That's nice. Do you see the priority difference here? I do. And why the fuck would you even stay with him? I don't understand. If this is his entire mentality, where does the rest of the marriage go? Where does the future of our relationship go? What does it look like? I have no idea. You're going to be like this throughout forever with more kids, maybe? Well, and that's the other thing is like we've even had that conversation. Like he wants more kids. And I'm like, how do you want more children when we? Farther down the line. Okay, but, well, that's not anyway. But I just, I don't understand like where in your brain. Let's add on another kid that costs. God knows how much a kid costs every single day. Look at how much we spend on our daughter to make sure she's got things. And you want to add another one. Not anytime soon. I already told you that. Yeah, but it's just the point that that's even a thought in your head. That's something you want. You want a new car. You want this. You want to have that. We have time. Where are you getting your financial information from? I look it up online. No, go ahead. TikTok. Not all TikTok. TikTok? TikTok, YouTube, Google, everything. Yeah, he's got some guys that his friends have told him about that are on TikTok that are really good at all this stuff, so he'll listen to them. Good at what stuff? Just finances. They tell you what to do. Finances? What finances? Car? Guide? They tell you on how to work with your finances better. Work with your finances? What do you mean? Can you talk? It's like how you can... What fumes are at this plant? I guess a lot. Yeah, I agree. To help you pay off your debt. Is it to make stuff? To use stocks? What are they teaching you? It's just to pay off the debt. But I did start getting a payment plan, but then I never even paid it. So the TikTok suggests get your EcoBoost Mustang? That's what they suggest on TikTok. Well, no. Then what the fuck are you talking about? Well, I lost my car, and then my mom bitched at me. Okay, but she offered up her car, I'm being told. So you said no. Yes, I told you, why don't you take over my car? Since you drive it for work and I'm the primary transportation all the time anyway, I'll get a bigger car like an SUV. How are you going to get a car? With my money. What money? What do you mean with what money? You don't have any money for a car. Again, okay, I obviously do have money for a car if I'm able to pay. All my bills are being paid every month. And I've even started saving. Like I've got automatic savings coming out of my account so I can have money on the side for emergencies. I have a savings account for our children. So if they need anything, I have my own money set aside for them. It's not nearly enough for a new car, especially with credit. That's why you work towards it. Unlike you, who's just been working towards it going down. Do you see how this is? That part's not about me. It's about you getting a new car. I can get a new car if I need to. What do you know about her finances? What do you know about his? I don't know anything about his. He doesn't tell me anything. We're thinking of getting married? Oh, no, that's a conversation we've had multiple times that I'm very open about mine because I am in a relationship with you and we have a child together. So I'm very open about my money, where I'm at, if I can or can't afford something. Him, on the other hand, just negative. Is that true, Hudson? It's true. And you'll just willy-nilly go negative. You'll just be like, oh, I have a $200 overdraft protection, so I'll just go $200 in the negative. Oh, I get paid next week. It's fine. If she's being open, why are you not sharing shit, dude? Because whenever we go out and do anything outside of when I'm at work, I'm paying for everything. That's why you won't share your information about your finances? It's not sharing. I just don't talk to her about my finances ever. If she asks, I will say exactly what's happening. What do you mean happening? What are we talking about? What does that look like? Tell me. You ask, then what? I'll simply just ask, what are we looking at with money? Here I am. I'm going to get paid for two more weeks. Whatever the case may be, can we afford to go do X, Y, or Z? Yeah, it's fine. And I'll say yes or no. And I respond every time. And if you tell me yes, as the man of our house, I trust that that's a fact. We're good. But then, next thing I know, I see you're- What does him having a dick mean he knows numbers? Well, I mean, he's still like, I mean, I don't know. I just believe that the man of the relationship should be able to handle it. Lots of trad couples on this show. It's kind of crazy. Very interesting. To a point. That language. I'm not going to say I'm completely traditional because at the end of the day, I also make my own money. Then why put traditional values on him while not on yourself? There are certain things, certain parts of our life that I definitely think is you and certain things are me. But only him. It's like, here's traditional expectations on him and no traditional expectations on me? I have money expectations for him, and I have motherly expectations for me. I'm the primary parent. I take care of my children. He should be able to be like, we can't afford this. We're not doing that. So I'm confused. If you're not getting the insights you demand, why are you giving him money? I'm being told you're giving him money. Why are you giving him money if you're not even getting the insights into the finances that you demand from the man who should be? First of all, is that even him being the financial man if you're giving him money? No. So you're a child? Yes. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, 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? 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 DollarWise, built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below. That's kind of stupid, I'll be honest. but what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys you can watch Financial Audit and get free money at the same time Who would have thought That incredible Check it out Link in the description below What money are you giving me Whenever you need money when you can afford to get food at lunch when you at work and you like can you send me money for Chipotle or can you send me money to go get some Taco Bell or whatever the case may be? That's not even true at all. When is this? Is it in the statements? Okay, here's the reality of the situation. You won't give her the information she wants. I do if she gives it. If she asks for it. If she asks for what? She just asks if we can afford this. Yeah, I don't say how much money is in your account. I just say can we do this or not. Why? Why don't you try to get insights into that? Why don't we try to know what combined would look like? I think because subconsciously I know that he's going to either say yes and he's lying. Well, no. How about you just actually get the documents? Import everything into a budgeting app like DollarWise. But isn't that what we do when we make a household budget? But we've also tried budgeting 100 million times. Well, how'd you do it without getting combined finances? Not actually combined accounts, but bringing both document sets together. We have done that. I mean, we've sat down and we've gone through the bills we pay, and we've come up with a good budget. Like, generally, I want to do it, and he doesn't. What the fuck is wrong with you? I do do it. What do you mean? When do you do it? The only thing that harms the whole budget is, honestly, food. Food is the only thing that harms the whole budget. Okay, what about when I say, let's go to the grocery store and get two weeks of food? Two weeks of food and we don't use it and it gets wasted. And I do use it and I will cook dinner and things like that. But then you're like, oh, I don't want that. Maybe they would do better cooking dinner if you actually helped with the kids around the house. I hear you literally just get home and just play video games, don't even acknowledge them. Or you take your little nap. Don't forget about that. Yeah, after the nap we do whatever we need to do during the day. You play video games. Yeah, what about- If I have time. She's saying you just play video games all day instead of taking care of the kids. That's hard for her to kick. Well, and I don't understand how I get home from work at 5 p.m. and I immediately am into mom mode. I'm making dinner. I'm giving baths. I'm doing all that. And you're playing your game or you're on your phone or you're or I'm literally vacuuming around you and you're just watching me on your phone. And you don't like the baby will be crying while I'm trying to do this. And I have to get up and go do it while you sit and play your game or the middle of night. I'll get woke up. I get up at 6 a.m. for work and she'll be crying, crying, crying. And you'll just be sitting there on your computer. I'll wake up and I'll look over. You're on your computer playing the game while she's crying, so I have to get up and do it. Like, I don't understand. This is my new shift? It doesn't matter. It doesn't matter what shift you're on. You always have done that. Even before the baby would need something or whatever, like you're like, well, I can't pause the game. So just wait a second. Yeah, that's what I did now. Yeah, but it doesn't matter. Before is not like that at all. Yes, when we worked the exact same shift, it was different, but you've been on this shift, this night shift, for months. So even if it was two months, it shouldn't be happening. I shouldn't be the default person just because you want to play your game or you need to go do this or I want to go test drive some more Mustangs or whatever. Mustangs? Yeah, I don't understand. How is it all? Pointless car. I understand getting the groceries to cook, but it is difficult if we're both coming home from work and then you play video games and she has kids running around and screaming and also needs to cook at the same time and you're not helping. And that's usually when I'll end up being like, let's just go grab something. No, when it was on my first shift, that stuff never happened. I never played the game. I can play it maybe once a week. And I said that that's true. When you got off at three and I got off at five, it was much different. Correct. But you now are on the shift, and as far as I know, you're going to be working the shift for the foreseeable future. It feels like you're not willing to do anything other than get to your goal of the Mustang because I know you're trying to be a streamer. That's what you were focused on. Then you gave up on that. Now you want to get a car instead of actually helping them. And one of the big things of actually helping is getting out of the mom's basement. She wants to get out of the basement, but you're doing absolutely nothing to get out of there. And you're prioritizing getting a Mustang? Who gives a shit about your Mustang? Get out of the basement. And while we're at your mom's, I feel like you'll default to just having your mom. Here, will you watch the baby real quick? Or asking your sister to watch the baby real quick or whatever. Whenever we run around. Okay, but what about when we move out? You're going to have to do some shit you don't want to do. You're going to have to take the kids to the grocery store with you. Correct. While I'm cooking, whatever. But you won't do it now. If you won't do it now, how can I trust that you're going to step up in the way that you need to when we move out? If we move out. When we moved out before, there was no problems. We didn't have a baby. So? Not the same. We had a child who could entertain himself and I could cook while he played in his room. Bro, she literally told us in private without you that she's thinking of moving out without you to motivate you to get your shit together. She's lying. Am I? Yes. You always say that. Yeah. She always says that. Is that not worth something? Has she moved out? Yeah, but why do I have to move out for her to smack you in the face? The threat of you, of your family up and moving away from you? It doesn't matter. The threat of me getting up and moving away from you should be enough for you to be like, oh, shit. Let me reevaluate what I'm doing and what's going on around me. But instead, you're just like, oh, that's what she says all the time. She's not going to do it because she hasn't done it. So should I do it? Because the only thing that's stopping me is the fact that I love you, so I don't want to do that. But at the same time, I have to think about my kids, who I think about first all the time. Well, it seems like they and I are the last thing that you think about, and it's what you want, you want, you want. Then it's us. But I do think about them too first. How? When? She thinks she's a single mom. Because whenever I'm at home, we're always doing things that you want to do nonstop, and it's always costing the highest amount of money. That's not true. I've told you multiple times we can go. Tell me about that. What? What's happening? What's she doing? Well, we always have to go somewhere because we can never sit at home and do nothing. So that means every time we leave the house, it's automatically we're going out to eat every time. And that's a nice $70 bill. 60, 70 with us three eating in there. And then on top of that, we're probably going to go somewhere, probably the mall, Target. Got to get new jeans. We got to get makeup. We got to get whatever new we need every time because we can't sit at the house because it's so boring. How are we going to budget moving out? It's so boring. We just do that every second of our lives. Okay, so my turn. So whenever we do go out, I have said multiple times, I involve my kids in everything. I'm that parent who I just feel almost like a guilt when I don't involve my kids in the things I'm doing. but I've even said why don't we we can go do something for free we can go for a walk we can go take the kids to the park whatever he doesn't want to do that stuff so then I'm like okay you don't want to do that stuff no I do like doing that stuff but every time we leave the house it costs money so I don't want to go anywhere you're lying I've multiple times said I've even asked can we go let's go have a picnic at the park with kids well that means bringing food not paying for food at the fast food place that's have we ever went because you don't want to every time we do told you we can do every time we go do stuff that is what i want to do you literally like look miserable you look like you are having the worst time of your life but i tell you i tell you every time we can go do it yeah because it costs less it's not the same if i ask to go do something you look like this the whole time i do not i don't yes you do you look miserable or you'll complain or you'll make comments or you'll just give off this like annoyed i could be doing something else so the The only time you don't look like that is when we go do stuff, like go to the movies or go bowling or we go out to eat. When we go do stuff that costs money, you actually look like you're having more of a good time than when we just spend good quality time together. And the reason I don't like staying home is because when we're home, you're either on the game or you're on your phone. Is that true, Hudson? Is all that true? Partial of it. Are you not having fun out with the family? I do have fun with the family, but I do like staying home. and playing your game or being on your phone or watching youtube well let's think for a second it is fair to well i mean with kids we have to take care of the kids that's not an option but it is good to get space it's good to get rest he is in a very he's in a much more manual job than you so his body needs more rest it's and some people like to stay at home more than go out obviously with kids there's less of a compromise we're able to do but that's not an inherently bad thing for him to do but if that's all we do then it is bad but all we do is go out and spend money is also not good well and i also disagree about the work a little bit um he's not like the hands-on working at his plant that's not you don't know anything about yes you literally work you the most that you do is walk from building to building that's the only physical labor you do and at my job i'm up walking around the halls so you're walking around the same yes i walk around just as much as you do. You load semi-trucks? Do you do that by hand or do you use a forklift for that where you sit and control? You still have to know how to do all that stuff. Yes. So you have a mentally heavy job. Have you loaded a truck with a forklift? I know that you don't use muscle to do that. Have you used a crane? You also don't use muscle to do that. You're using machinery. Like you're operating a machine. Correct. You're not like back-breaking labor every single day. So when you're doing the whole, oh, I'm so exhausted. I'm exhausted every day from working and figuring out food for our kids and taking care of our kids and getting our kids to bed and all that. And you get home at 11 or whatever and you just immediately get on your game. And so when I wake up in the night. What am I supposed to do at 11 o'clock at night when everyone's sleeping? What are you playing? On my game? Whatever is on there. Right now, Marvel Rivals. Show me your left hand. Damn it. Give me your phone. Open your phone. Right hand? Damn it. Wait. Show me your palms. No, I mean, he has some marks of a working man. He has some marks of a working man. And I wear gloves. Okay. Her state of mind is a slightly unpleasant day. Wow. It's today? Yes. I mean, I'm sorry. You're at 1.6 miles a day total. No, I will say I did move locations, so I'm not walking around as much as I was. Whoa. All of a sudden, the goalpost has been shoved to the other side of the city. the moment I actually look at reality. 1.6 miles a day. How are you so exhausted when all, but that's all you do. Well, if you load trucks with a crane and you have to move the coil. So again, a lot of mental. You have to still have physical in there. When you walk to the building. You have to use the chains too. Have you ever picked up a chain? You know how heavy those are? You still have to have that physical in there. Plus you have to wear a hard hat, arm guards, You have to have boots on. You have to wear all that shit. Dude, 1.4 for the month of January and February. There's no way. Yes. I'm walking around my office all day. There's no way. Dude, and it calculates with your phone as well. See, but I don't have my phone on me at the office because I can't. But if you don't have your watch, I'm saying. Yeah, that's what I'm saying is there was a while there that I didn't have that on. Bro, I'm a fat f*** who literally just sits down and films all day, And I averaged 2.6 miles a day for those couple months. And I'm a fat f***er. But I'm not saying I'm physically exhausted every day. Bro, you with your kid is only moving 1.4. Yes, you did. No, you cut back to that. Yes, I walk around just as much as you do. I'm exhausted every day. Yeah, you literally just sat there and said, I'm exhausted every day. Yeah, mentally. I'm not physically exhausted. I can give you the honest. I'm not physically like, oh my gosh, my back, my legs. It's funny how your tune changes while you're here, which almost makes me kind of agree with a potential part that he said. Listen, I do think you're probably maybe a majority part of the problem. I'll be honest. But he said in private with us before that he's just endlessly trying to keep up with the bossy woman in the house, always micromanaging everything in our lives. And that is exhausting. That is mentally exhausting, too. I'm mentally exhausted. Ask him. Ask him. He's the one who said it. Have three children. Ask him. He's the one that said it. Yeah. It's nonsense. I mean. Do you think I'm not exhausted micromanaging you all the time? Yeah, but you're micromanaging, but I can't do anything. I'm taking care of my child. I'm taking care of our other child. And I'm telling you, hey, could you maybe fold this basket of laundry that's been sitting here for three days so I don't have to do it for fucking once? And then I fold it, and you bitch it the way I did it. No, I don't. So why would I fold it? No, I don't. Every time I try to do anything, it's not right. You barely take your dog outside. You don't take him out for me. I can barely get you to take your dog outside. So, yes, I micromanage you all the time being like, hey, can you do this? Hey, do you mind doing this while I'm doing this? Then I get home and he's still in the cage. You have to. Oh, I guess you do need that. Bro, I mean, I wouldn't be surprised, though. Hearing this conversation, how you push the goalposts, are we really that surprised? You might be the nagging woman. And that's exhausting. It's exhausting. It's exhausting. It's hard to look like a victim as well. So why are you nagging all the time? Just let me do what I need to do. If I, quote, let you do what you need to do, you're just going to be on your game. You're just going to be trying out cars. And on his phone constantly? Yes. Yes. You spend more time a day on average on your phone than he does, by the way. At nighttime, for sure. Doesn't matter. When the kids are asleep. The weekly average. So you're on your phone. The daily average, 447, 458. You beat him. everything you're bitching about the moment i actually dig in you have to push the goalpost because you're complaining about something that you equally do if not i don't get on my phone okay so i'll get on my phone when shit is done when laundry's done you're on facebook every day yeah who cares everyone's on facebook every day point is no especially not your age my point is is that i don't decide to turn my brain off Dude, the time that he uses? Oh, let's go back to week. Okay, you scrolled TikTok a lot. Recently, yes. I've been looking at cards. Yeah. And also, you're on Facebook a lot, too. Is this like an Indiana thing? Are you guys that far behind? Why are you on a safari? Oh, wedding planning. That's probably most of my internet use. Okay, well, you know, because of the conversations going on right now, she specifically has not booked a hotel for your wedding night. Has not done anything for the honeymoon. I told her what we need to do for that. But no, but she's not confident enough to do it because of this dynamic. Because it has to be her way. You mean I don't feel like I should be financially responsible for our entire conjoining of lives? So until I know that you're going to actually grow up and do the right thing. But I told you I'm already paying you back for all that. God knows when. When I get my car. You can't even pay back a company who you owe money to. How do I know you're going to pay back someone you're comfortable living with? oh bro this actually is not looking good for you listen i think we'll i think we'll do to work he's on his phone which whatever that's fine saturday and sunday when he spends it with you guys those are the days that he spends less than even like an hour and a half on his phone you during the work days nothing on your phone on the weekends when you guys are supposed to be spending time together with the kids those are your maxed out days for example sunday of last week alone was five six hours and as of now weekends are the only times i see them yes and you're not on your phone during the weekend no your entire argument was that anytime you guys are together he's just on his phone no he's not he's objectively not i have the metrics right here and during the week my phone is the default whenever we go out i'm the one that looks up places to eat i'm the one that's not true that day that day was two hours on facebook and the rest was just miscellaneous yeah i'm on when i'm on facebook i'm on marketplace looking at wedding shit all the time yes i am and i even send it to you i've sent you a bunch of stuff even still you just scrolling there on you know being a girl with a wedding dream is still just scrolling and having fun but we're talking we're actually conversating like we'll sit down we'll sit down and when we're eating and i'll have facebook out marketplace or i'll have safari out we're talking about wedding stuff now for what it's worth i will say this bro you're on tiktok eight hours and 34 minutes last week. Correct. That'll destroy your brain. I've been looking at cars. Besides, it's rough, man. Yeah, yeah, yeah. That means you're getting way too close to this damn car. Well, you guys have finances, to be very clear. Can't afford this wedding that's coming off, and she's not even booking shit because she doesn't even know if she's going to end up getting married to you right now. And all you're doing is this car? What about her? What about the priorities of the relationship? Let's also add in that my dad, sorry, me and my dad are paying for this wedding and my dad even has said like you looking into this car is insane uh that's not good step stepfather not liking you it's usually where like kind of the close bond goes not what i hear from what she says what i mean i literally told you that when i when i told my dad about you looking at a new car and what it was and all that he literally sat down with me at lunch one day and was like that's not why are we doing that like he and we went to next weekend and booked a venue because my dad wants to pay for his daughter's wedding like at the end of the day he's going to do what he's supposed to do as the father of the bride that he's going to do but he didn't he he knows he can talk to me about that stuff well clearly he actually doesn't because he's talking to her behind you when he when they go to lunch at work yeah but he's saying the things that he's not telling you in person what does that tell you he can always talk to me you're saying My dad's not going to pick up the phone and call you and be like, you're a fucking idiot. You need to put this car shit behind you and focus on what matters. Probably should, but. No, seriously. If he did, maybe I would. Call him in the post show. Oh, if my dad said it to you, you would probably do the right thing. But when your future wife says it to you, it's fuck you. I'm going to do whatever I want. That's basically what you just said. Even for the babysitting, only Kimberly is paying for the babysitting. Well, all your money is going for this potential car. You're not even helping out there. Potential shit. Like keyword potential. Not even for sure. Her entire tax refund to the wedding. Correct. Paying for all the babysitting. You, nothing. Car. That's because I need a large down payment. You don't need this car. You can get a $10,000 car. I don't get why you can't just settle with a nice. I don't want. I want a nicer car. Want. Want. There it is. Want. Yeah. Well, she pays for all the babysitting. Paying for all the wedding. I pay for babysitting. No, you don't. Not according to her. Your mom literally told us that we're going to have to start looking into paying a daycare, which we didn't want to do because daycares are insane and expensive. She said, we're going to have to start doing that because you're not paying her. Because I don't agree with that. She said, you're doing great. You're paying me what you owe me. Everything's going well. But he's not. And that's not fair. And I agree. But also, I don't agree with having to pay her a lot of money like that. Okay, but it is what it is. So I'm just not going to pay it. So where does all your money go? She doesn't know where all your money is going. That's her big question. Tell us, where does all your money go? When I get paid, I put about $200 in the savings for the car. Okay, instead of the family. But then after that, the rest goes to whatever we do during the weekend. That's weird because I feel like I've been swiping a lot lately. On what? And I've been everything. On the wedding. We swipe on the wedding. Wedding, when we do go get food, when we do go get stuff for the kids at the store, everything. Anytime we go anywhere and a card is needed, here comes mine. That's not true. Here I am taking care of it. Yes, we did. We just got into a big fight a couple weeks ago about it because I was literally like, is there going to be a time when I'm not paying for everything? Yeah, because you pay for all the wedding and you got it all misconstrued. What about all the other times when we go out and we're in person like this and I'm still, here's my card. Hey, are you going to get this? No, you just go ahead. Oh, okay. Yeah, you get those all twisted because you think you're paying for everything. I am paying for everything. Because the wedding, I already told you that. I am paying for everything. What was the argument? Because we went out to Target and she paid for everything. No, it wasn't Target. It was Hobby Lobby. She paid for everything that was for the wedding. And then after that, she got in the car and she was all pissy and mad. And I told her, I already told you I'm paying you back. And she says she's buying everything. No, and I said that that was fine for you to pay me back. But I didn't know it was you pay for everything up until the wedding. And then God knows how long before I pay you back. I didn't know that. I thought it was like, I'll pay this or that, no, whatever. And then like in a week or two, you'll give me a little bit. Like I thought it was going to be like a normal. I didn't know it was. Yeah, you're going to actually pay for the entire wedding and then I'll pay you back maybe on our one year anniversary. Like that's how it feels. Was there a conclusion to those arguments? No, we just fought and then it ended. That was it. Is that how it usually goes? Yes. How long did you guys fight? It was about. Like a 20, 30 minute. It wasn't that long. Was it heated? It was, yes. I'd kill myself. Yeah, I started crying. Yes, it was heated. so raising voices for probably for the first time ever yeah that was your first time ever raising your voice i told her what'd you do what was it like i didn't like it was intense like it wasn't well especially if you've come from an abusive relationship i'm sure that would be a little scary and we've gone this long and you've never ever raised your voice to me and you raised your voice at me was he about our wedding not yelling but louder i mean but i wouldn't say yelled i told her multiple times before she's paying for everything with the wedding now but I'm paying her back. Starbucks is bulls**t and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. 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 Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. all the way through. While you're saving for this car because that's what you want to do. Why do you get to just tell her, hey, you're paying for the wedding. I will pay you back. Why do you get to dictate that? Does she agree? Why is it not a concept? Or you would agree to it? No, let's rephrase. In the beginning, she agreed to it. And then now because it's happening, she's freaking out. Yes because again you didn say you going to pay for the wedding all the way I just thought it be like I said I go like we go to Hobby Lobby I get some of the flowers and stuff And then next week you send me like 50 bucks or like, I thought it was going to be like a slow kind of here and there normal thing. I didn't know it was going to be full commitment. I got it. Don't worry. You get your car and I'll cover this. Before this argument, we had another conversation about it and I told her exactly how it's going to be. And then I told you, fine. And then she freaked out about it. Why do you get to say how it's going to be? Why is it not a conversation with an agreement? She agreed to it. Because there's no talking to you. Look at where we're on, like we're trying to do it right now and I can't, you're still just like, It's the same thing. You don't talk to me about my finances. Whenever you ask, I tell you everything. It shouldn't be, but we should just always be on the same page. Like we should, I should know what's going on. You should know what's going on. Well, it's hard to be on the same page when you control it all. What am I controlling when you're clearly making it obvious that you have full control over this. This, I told you and you agreed to it, but everything else is in your control. Okay. What do we think our household financial score is right now, combined zero to 10, zero being the worst, 10 being the best? What do we think? Honestly, probably two. Okay. I'd say not including, well, I'd say about a four. All right, well, if you guys want to get your hammer financial score, you should take that assessment for free at CalebHammer.com. Again, it's free, just takes a few minutes, and you can see where you stand in the world of money. Thousands of you take it daily for a reason. It's really cool to see where you stand in the world of money. And if you don't want to end up like that, get on the same page. Know what your finances actually look like. Automated, easy, with DollarWise. My favorite budgeting app. It is incredible. Check it out. Download it for free in the app store that you need to use and take the free trial. See if you like it. And most people do. That's why there's tens of thousands of monthly active users. And most people sign up for the annual version after the free trial because you get my 30-day budget meal plan that we designed for every single meal, snack, and drink for 30 days so you no longer have an excuse for meal prepping, meal planning, all that stuff. I will sign it, and I'll mail it directly to you guys. So I will sign this one. There you go. Nice and signed. Now, no more going out to eat. It's as easy as that. Use that shit. Snacks, drinks, all the goodies. no more needing to go out to eat guys otherwise.com killhammer.com all those links below let's get in who has the apple card what are you doing apple card guy not paying what's going on just not no why just not where's the logic did tiktok tell you this no this was before the tiktok Okay, well, now you're on TikTok land. Why are you not paying? What's the logic? Before, with the situation when she wasn't working, is when I stopped paying it. Years ago? Years ago? Yes. This card is now. This is years ago. So what now? Well, before, we were going out to eat nonstop, so I didn't have any money. Get what I thought. We're talking about right now. Why don't you pay now? Now I just need to. Oh, that's a good reason for not paying. What the fuck are you talking about, man? Yeah, that doesn't make any sense. You owe the whole thing, obviously, at this point. We're both aware that you need to do it. Why aren't you doing it? I got to the point where I had a payment plan and then I didn't have any money. Well, how do we get on a payment plan again? You owe $1,715.54. Obviously, that is the total balance due immediately because you just haven't paid in forever. Yes. What the fuck are you getting on here? That was being used for a lot of food back then. Yeah, that was for food mainly. Pretty much any time we went out to give food. Staying in Indianapolis and stuff. Indy, Cincinnati. Indianapolis? For the hospital and stuff, yeah. Oh, okay. Thank goodness. Yeah, this is all like during, yeah. That one specifically is from that. Yeah, because we stayed, we lived for a month in Cincinnati for his radiation and stuff. So that, yeah. So that card pretty much got used for that. I don't understand that, but you've got to, hey, contact and get them out on payment plan if that's even available anymore. Well, and I've even told him that. Like, just give them a call. I mean, they deal with how many people every day that are like, I, you know, I need to get taken care of. How do I do it? And he just won't. He just won't call them. Oh, you'll email them. Why won't you do anything? I know she's probably a nagger, and it's probably annoying. We don't like that. But why don't you do anything in the end? Make the call. Send an email. Do anything. Well, I got to the point where I sent emails. I didn't get a response from them, but I did set up a payment plan, and then it never got paid, so it just kind of fell off, and I haven't done anything with it since. Yes, but she is saying, reach out, call, email. I am asking why. Today, you will not. Well, I have done it. I just haven't paid it. Yeah, you set up a payment plan, but then never paid the payment plan, and now they took it back. Because whenever I was going there. When was that? I'd say it was about a month ago. No. What the fuck? Two months ago. Can you make the payment now? That's gone. It's revoked. They revoked it? They took it off. The payment plan, they took it off. Why'd you not make a payment two months ago? That's no longer Indianapolis. Two months ago, I didn't make the payment plan because I didn't have the money in my account. It was probably like $30. It was $150, I think. Okay, yeah. It's a little chunkier. They did a six-month. $150 is a lot of money. It is. At the time, it was. So it's $1,067, which is what you guys spent going out to eat last month. So what the fuck are we talking about now making $150 payment? That's a choice. That's a choice. That's not being responsible. That is not being good parents even, actually, I would say. The food is the problem. The food is a part of the problem. Unknown shopping, an additional $984. We'll see where that went. Miscellaneous bullshit. Could be video games. Could be trinkets. Could be whatever. 987. Bullshit on here most likely alone will range from $2,500 to $3,000 if not even more because of the large purchases as an additional $1,200. Now why did you look at her when I said miscellaneous bullshit? Because I barely buy many things for myself. I barely buy anything for me either. Okay, well someone is or combined. Because this is minimum $2,500 in bullshit most likely closer to $3,500 in bullshit on a monthly basis when we're crying about not being able to do a $150 payment. Who the fuck is doing what? Take some responsibility, both of you. Those trips to Target's going to be in there. Yep, and I, yeah, I would say probably Target, but there's also... What are you doing at Target? There's also a $50... What are you doing at Target? Buying for my kids. Buying what? Formula's $50, we usually buy that. Is this what you're saying? She's going there only for necessities? Not for necessities. There's necessities being bought, but there's other things that are being pushed into the cart. That's obviously what I'm asking about. You think I'm sitting here screaming about formula? No. So when we go, we will walk through. We'll get everything that we need. You're kind of manipulative. When we're walking. Manipulative. What the fuck? You're manipulating when you speak. The things that you were saying about him that we then learned was in your phone. And I say, clearly, Miss Lene's bullshit. Why do you look at her? Oh, it's Target. Okay, what's going on at Target? and getting baby formula. Obviously, that's not what we're talking about. Do you manipulate everyone around you? Does she manipulate you and people around her? Because she was in this conversation with screen time with how active and tired she is. And then, oh, no, I'm in mental exhaustion. Oh, no, actually, you know, I get on my phone only when things are done. Oh, no, he's on his phone all weekend. Yeah, but that stuff's true. And he could, I mean... He's not on his phone all weekend, actually. I saw. I'm talking about with me. Oh, it's actually just me looking at wedding stuff all the time in the Facebook marketplace. Well, it's still fun for you to do. you're doing that instead of things that actually matter so i think you manipulate a lot i'm really starting to see that clearly with that response of saying baby formula you think i was talking about necessities of target when he was talking about the bullshit again i was talking about the bullshit you get what the okay i want to know what bullshit i've been buying for myself that's what i want to know because i'm pretty sure every time we come back when we have bags it's literally is it stuff we need no but it's usually i decide to buy a cute little outfit for our daughter a couple pairs of pants that probably doesn't need like well that's so bullshit when you do that three times a week of different things that he doesn't need i'm just out here buying makeup and buying shoes and buying clothes for myself like it's you make it like i'm this just oh i'm just buying for myself and i don't care about anything else and oh i don't care about my kids i just want to buy for me when it's not even that it's buying things that just gets thrown away or gets thrown away. Half the clothes that you bought for him that was necessity was all given to Goodwill or given to somebody else that he grew out of or he's never half of them had tags on him still. That's not true. Right. Okay. The numbers will show up. I'm going to put $150 for the minimum. You need to call them back immediately, be a big boy and put the $150 to there instead of the $25 to $3,500 a month on bullshit, which is you guys combined. What a joke. You guys can't agree on anything. Do you agree on anything? What do we agree on? I can't even agree on getting married. Hey, when she says she's going to move out to teach you a lesson, when she says I'm going to give you a week, an ultimatum to get your shit together, show some signs of progress, what goes through your head when you hear that? What are you thinking, man? And if I were hearing that, I would be actually a little nervous. It doesn't get me nervous at all because I know that she's lying with that stuff. I'll bark no bite. I've moved out before. Where? When I moved back to my dad's house. When was this? Was it with me? Yes, it was. When? When I was staying at your house when everything was going on. That has nothing to do with me. That's my mom. It doesn't matter. I still did it. You think I won't do it again if it's not working out where you're not doing the right thing with you? You didn't. You haven't yet. When it's been about me, you haven't. Is that what we're going to do when we go back home? Do you want me to pack up and go? Because if that's what I need to do, I will. Yeah, but you haven't yet. You've said it multiple times. Okay. Okay. It is kind of true. Ultimatums don't work if you don't ever follow through with them. Because I don't want to. I don't want to. I know you don't want to, but then don't put on an ultimatum because it doesn't work. I don't know what else to do. It'll never be respected, though. Yeah, but now no ultimatums, they don't work anymore either. Yeah, I know. That's why I'm like, what do I do then? That was like my last. Well, you might actually have to leave, unfortunately, for what it's worth. You can love someone and know they're not the best for you and your kids for the rest of your life. Not necessarily suggesting that because I think you are a little bit of a manipulator and I think you are a little bit of also the problem. And you do kind of treat them like a child in some cases with the ultimatums and stuff. And listen, is that going to end a productive result? I don't really know. Treating him like a child. You want to be a child like your ex? I feel like I shouldn't have to do that stuff. Like I shouldn't have to feel like I'm taking care of another child. I'm telling you right now, if I don't tell him. You have to feel like I'm saying maybe you shouldn't. And now you're saying have to feel like? No, you're not the victim at all times. No, I'm not trying to be. But you just did. you immediately turned with me saying, is it the best that you always treat him like a child to? I shouldn't feel like I have to. It's the truth. Yeah, but just don't. Why are you? Because I already feel like a single parent every fucking day. So my way to maybe not feel that way is to be like, hey, would you mind maybe giving our daughter a bath for me? Hey, could you wash some bottles? Hey, could you take out the trash? Why don't you even take out the trash? I do take out the trash. and wash all the bottles yeah oh sorry sorry you're right you're right you wash bottles that is the one thing i know i can rely on in the trash when it's full and over like flowing like not overflowing buddy how do you feel when she says she feels like a single parent that would like doesn't hit the home because she she's just she has to have everything her way every time i try to do something it's all it's not her way it's wrong which is true why would i want to continue on doing it if it's wrong that's not that's not an unfair counter argument no it's not and i i that part i will say there are some things that i like a certain way i and i know you're forcing it to only you can do it though but then what about all the other stuff that what i don't know like cleaning up picking up helping out around the house like the only thing i know what you mean have one little room there's there's no picking up if if there's a sock in a spot that it shouldn't be it's the world the whole day is over until that sock is picked up that's not true everything has to be no no it is not it is and because i want you to pick up after yourself like i literally feel like you're a teenage boy living in my house that's how it feels because everything has to be your way it's because you feel like it's okay for there to be take out food trash here and takeout food trash there and a diaper on the floor over here and a pile of your clothes over here yeah no our room is this big so yeah those couple things make it feel like the entire room is like cluttered more than it already is with four people in one room and because i do it my way i guess you don't do it what's your way your way because you're not doing because it's not your way what's your way my way your way is letting your best buy card go to collections it did go to collections why that one is before that one best buy was city bank right i don't know what bank they have it with but it's the best buy car i think that's city city city bank was when when he had the stuff in cancer down in indy that was no so city bank city bank he's talking about the best buy card that you used to go buy your computer parts before you before i met you i know Going into collections was when... So that's almost four years ago, and it's still not a payment on it? Best Buy, the actual card was before you. Yes. When it went to collections was when he had... Yet you still have a balance on it, even though you got the balance before you ever even met me. Yeah, that's because I was a dumbass with computer parts. And you're still a dumbass because you're still not paying it. Now, because it's in collections. It was in collections months ago. All that just to play Marvel's Rivals. It's a fun game. Okay, Monarch Recovery. Again, this must be in other collections of yours. Correct. $951.19. What is this? I think that's the Mac. You can settle at 60% off or in two payments. Monarch. Isn't that the mattress? There's so many weird names for them. Listen, you can pay only $380 at one time, and you'll wipe it out. Why not just do that? You guys make money. You spent over $1,000 going out to eat. So why can you not make just a $380 payment, which is huge? You score up like 15 points. I couldn't even make the $150 payment. But you can. You can spend $2,500 minimum on bullshit on a monthly basis. Minimum. Minimum. You just got to stop going out to eat so much. It's not just that. It's other things, too. The other things is mostly you. What's... Saying mostly me. What else is in there? I don't know. ask the guy with all the numbers. I mean, you're... Go through it. I mean... What was this for? If that's the one I think it is, I think it's for our mattress. Not our mattress, your mattress. But that was also a long time ago. That's what I'm saying. This is all like residual stuff from before me. I don't understand how you still have debt from before we got together. Well, before when I met you, I was paying minimum payments like you are now on yours on all of them. And then a lot of them got, I just stopped paying them when I was covering the whole house. Okay. But that was two years ago. Correct. They went into collections. Okay. So why didn't you call to take care of it? Why haven't you reached out to them to try and figure out how to fix it? How to, like you set up a payment plan with the national debt relief. I got that set up for you so that they would lump sum it together and you would just pay them instead of distributing against these 12 things that you have and you canceled it. Because they were doing, they were doing, that's when I started looking at TikTok. They were doing the same thing that I could have done myself. Obviously not. Which I didn't do it then. That's the point. Is that I helped you get set up to succeed and get taken care of. And even that you were like, no, I'm not going to pay that. And you canceled it. What? Because I figured I could pay it on my own time. But you haven't for two years. So what makes you think that you can't, like I'm not, what am I missing? I have more collections. Discover, 2,237. What happened there? Discover was. Yeah, these are all for Paul U, man. You know, it's crazy. I didn't even know about that. I didn't know about the balance. Well, you didn't know about any of these? I didn't know the balance. I mean, I knew about them. What happened, man? Yeah, I didn't know. You're f***ing the household's credit. How are you going to get a subprime loan on this piece of shit? The Discover card, like, when was that? That was the one. I think that's actually one. Why would you want to catch yourself to this guy for the rest of your life when this is his behavior? Well, this is new information, so. You knew about the Discover card? I knew about the Discover card, but I didn't know you owed $2,000 something. What's what happens when you don't pay it? But I didn't even know what the balance was. So how do I? Yes, I know when you don't pay it. I didn't know that there was $2,000. Yeah, like on that page alone, you've got five or so grand. You didn't know about any of these in the green room. Colton said this was like blowing your mind like an hour ago. Yeah, I didn't know about Verizon. What is that? Yeah, Verizon. Verizon, that one honestly shouldn't even be on there. But it is. That one screwed me. Oh, fuck you. I mean, this is not how it works. What do you mean they screwed you? What has screwed you? What screwed you to Verizon? Hey, look at you. Brand new iPhone. That's too many. Caseless. Brand new iPhone. I see you. Yes. Can you afford that? I don't know. She has a case. I can tell if it's new. But yours, I held it brand new. Yeah, we got these together. Okay, well, then you're a part of the problem, too. I didn't know about that. You accepted it. Yeah, but you're getting brand new phones. Can't even pay $150 minimum payment. What are we talking about? He took the phones, and I was like, I'm fine with my phone. There's nothing wrong with it. It works just fine. You didn't want to pass her? We went to the place and see phones, and she wanted it then. No, you said we're doing it. Obviously, I wouldn't. I always get the new iPhone. Which is just absurd. I was perfectly fine. Then we also got an iPad that we didn't need. Actually, I did need it for the job that I was doing. Do you take it to work? I wasn't. That was the second job that I had that I was doing. What was that? That's what we got the iPad for. what job was that when i was an apprentice okay some financial services bullshit guys this is what a mess there's nothing you guys don't mind anything i have no idea how you guys will ever budget together so this financial services 1229 macy's you have a macy's card that went to collections but how macy's was she didn't even know about any of this an hour ago macy's we used it we went there and used that card who me and you when we went to the when we went to the mall when you bought your cologne is that what you're talking about that was not what we bought there what did we get there we went there and we had to get stuff it was upstairs you pushing blame on kids well because every time we go out anything at macy's the only time we've The only time we've ever gone to Macy's was to get your cologne. That's not true. News to me. We went there on a way also got Christmas stuff too. And then you let it go to collections? I did let it go to collections. That's you. Capital One. Who has a Capital One Platinum? That's mine. Okay, well you have a balance of $346. The person who's so good at finances with the $25 minimum payment takes almost two years to pay off. interest accruing it's not that far from maxed out probably was just recently interest accruing so what the fuck going on here nothing i mean i just make the minimum payment and i just i had it on autopay are we spending so much on bullshit then if we're not just paying this off you can pay this off with a third of what you guys spend going out to eat i'm so confused you guys's lifestyle makes no sense you care about nothing other than going and just getting something to eat getting to drink it and so close we don't need a bullshit i mean i i mean i'm being told endlessly that you go in for just one thing you need but leaving with five things you don't and don't forget i want you to be on the next episode of financial audit so go to calebhammer.com slash apply or click that link in the description below you'll have a great time and i'm gonna roast the out of you guys just real quick don't forget to take your hammer financial score at calebhammer.com see where you stand where you gotta do better where you're doing shit listen it just takes a few minutes and it is free figure out where you stand in the world of money calebhammer.com that's you yes but you can pay this off like this you guys making $4,900 net as a household together no I don't even think I did that math right did I no no no no absolutely not it's probably $5,900 right wait no no no yeah it is $4,900 okay good with that in that shitty town You guys are doing fine. You guys are doing fine. Yes, somehow. You always have no money. I don't know. No, no, somehow. Fuck you. I saw you spending somehow. Fuck you. What are you talking about? Go in needing one thing, get out with five you don't. Fuck you somehow. Fuck you. Make this payment, get rid of the minimum monthly payments, and you have money. It's magic. What's wrong with you? If we stay home, we don't spend money. Okay, yeah, we can keep on defaulting to that if that's what makes you feel better. Well, why can't you stay home a day? why do you have to go every day he's suggesting not we do stuff saturday sunday that's it now before when all this was going on it's been non-stop we can't stay home for almost a day always leaving we are literally crammed in a room so because we're crammed in a room we have miserable i didn't and it doesn't have to be spend money as i said earlier like if we just went for a walk, like just got outside with our kids. Our kids don't deserve to be locked in a room this big with you, me, both of them, their belongings, our belongings, a dog like Doesn that have a yard There a yard Well what the Yes And he has a place set outside oh that he won play on because it too small for him okay go ahead but it still a place set outside he can still play on play on it if it's too small for him how we could literally go to the park that's right down the street but getting you to do that but we don't pulling teeth but we don't i don't ever i don't ever argue about it yes you do i tell you every time we can go do but that's fine. No, you only ever. But every time we do go to that park, what happens after the park? Oh, let's stop here and do this and then do this. Every time we get in the car and leave, let's go somewhere else. It's never go to the park and then go home. And whenever we go to the park, oh, it's seven o'clock at night. We don't have time to make dinner now. Go to Cane's. Go to Chili's. Go to wherever we go. So if we stay home, we have no choice but to. Okay, so if we start staying home, are you going to do things with us? Like would you sit down and color with your stepchild? Are you going to sit and play with your daughter? That's what I've been doing. Are you going to conversate with me? I can't tell you last time we sat down and had a conversation as a couple. We don't talk. But also you're the one who has the on your phone when we're together. Nine times out of ten when I'm on my phone when we're together, It's because you bring something up and then we start talking about something and we're looking at it together, looking at something or researching something nine times out of 10. Same thing when you're on your phone, when we're together occasionally, you will actually do that. If I'm on my phone, it's when we're if I'm on my phone, it's me doing what I'm doing, which is during the week. I don't think that there should be any time where I'm sitting with our kids, spending time with our kids, and you're just... You have a maxed out credit one. I have a what? Maxed out credit one card. Yes. The worst card. Basically, you can get the definition of being bad at money. You have that. You took that out. You maxed it out. So what the f*** are you talking about? $292.76 with a $30 minimum to payment. Fees. Interest. Accruing like crazy. Credit one. What are you talking about? Going to sign and getting some bullshit with this? I don't remember exactly what I got that for. I got it years ago. Years ago, yet it's recently maxed out. I have a use... Because it would be going down more if it wasn't maxed out just within the past at least six months. I haven't used a credit card it's impossible with that balance that's what I'm saying you pay these cards but you use them after that you're spinning in a circle going nowhere that month because you can't there's only a couple dollars on there you get maybe candy bar so it must have been that other one what the other card for what whenever you use it Please tell me the last time you saw me use a credit card. I'd say it's been about three weeks. Yeah, you're high. What is a credit builder account you have? It has a 16% interest rate. That's pretty bad for a credit builder. And you leave a $356.45 balance with them with a $35 minimum payment. And then you have, you got into CDs with them, $717. at 0.1% interest? 0.1% interest? That card is... What the f*** are you doing? That card's not the same as these. So you pay... That's a credit builder. I still know what... I know, but it... So I pay on it. And every time I pay on it, it builds it up, and then I get it paid back out to me. It's not like... It doesn't become a credit card. You pay on... What pay back out? Where's your pay back out? Going into your CD of 0.1%? No. So I pay... What is it? $20, $30 a month or whatever? $35. So I pay $35 a month, every month, and that all... So the balance on it isn't like a credit balance. I can't use that card. I can't use the money that's on it. I know you can't use it. So it stacks up, and then once I've reached a certain number, like let's say a $500, like that's what the credit card is. Once I've paid that, all the interest, everything, all that, they'll pay it out to me. So I get paid back the however $700. 100% of the interest? Yeah, I got all of it. So how are they making money? I don't know how it works. I just know that I've done it twice where I've paid it, paid it, paid it, and it built up my credit, and then I get a payout at the end. it's i don't know well i don't see what brand this is or else i would look that up oh it's yeah i can't think of what it does no no i got this no you do not get the interest back that's how they're making money you have no idea what the you're talking about no but i thank you for being so confident jeez i can't believe you had to make me look that up and make me question if i was a reviewer dude come on no shit you don't get the interest back yeah you get the the balance back. Not the interest. That's what I'm saying. So what I'm saying is you are losing 16% on it. It's stupid. I know you're not spending it, but you did on credit building. You spent it on credit building. You are still losing that interest, 16%. You're gaining nothing. Shut the... I'm just going to write this one off because the next minimum payment will take care of it. But what is this? Affirm? 86.25? Zip? What are you zipping? Zip. Zip. That's everything. I used that for a hot minute recently. Payment plan, everything. Oh, and here's another $27. Oh, keep going. Here's another $25. Pull up your zip. Let me see what you're buying. Let me see what you're buying. He's using that card more like a debit card. Let's see. Guys, why? Why are you zipping everything, man? You guys have money. You're ruining it at all. Oh. Food, Christmas. Yeah, Saltgrass Steakhouse, 136. Think you can afford that? What the fuck are you doing? Target. We'll consider half of it bullshit. Amazon, 344. Michael Kors, Soho, Japanese Bistro, 107. Like, you guys are actually spending, like, expensive places. I mean, Texas Roadhouse, Buffalo Wild Wings, Virginia Ramen Bar. Not up there. Here. There. Huh? They have Virginia up there? It's gone that far Good for you, Jinya Good Tengotsky Black I didn't know that was a chain It's from Houston I don't know who made it that far Best Nails Spa Yeah, so you're spending almost 80 bucks a pop there multiple times Athens Jewelers $553 Now that's the ring sake olive garden camela's more athens jewelry and other 506 artimo babill 148 kill me now notre dame outlet center they literally refuse to play football games and yet you still buy their shit that's pathetic go irish yeah if they play trade wins restaurant Olive Garden. This is a joke. It's going to be all food. Pathetic. Listen, I mean, I'll get you a course career certification so you can at least make more money. One of you. People in the audience convert those into a six-figure paying job. You can too. If you need to make more money, it helps us get out of this debt. But that's if you do not lifestyle and inflate yourself. Oh, for fuck's sake. What's the bridge request? Oh, Fort Fusion. Your car? For fuck's sake. King! King! Good. You got a Ford Fusion, $14,159.23. The minimum monthly payment of what? I pay $344 a month. Oh, my goodness. Well, that's going to f***ing stack. What do you think it's worth? We actually just recently checked. My car's only worth like $6,000. Six? We got nine. Really? Well, trade-in might be six. We got nine private party. Okay. So that actually might make sense. And you want to make that even worse? buy a $30,000 car that'll be worth like $15,000 immediately? 2024. Mustang. Dude, it's a fucking Mustang. What are you doing? It's pathetic. They're nice. I like them. No, they're not. And no, you don't. No. Oh, my gosh. It's better than the Nissan Altima. I think it's horrible. Yes. It is. Everything is. Like, what? A few shitty cars and you're still picking one. Bullshit. Panera Bread. Burger King. All this money that we can't put towards our minimum payments. Apple Cash. Subway. Go inside and get into bullshit. What are we doing when we stop in a gas station and get something for $2? What are we doing? Who's doing it? What is this? Cash App, right? You went into Citgo. $1.59. Cash App. That's because I have a trick when I go get Subway. Inform me. Well, if you go to Subway at a gas station and you use the footlong deal, you get a footlong for seven bucks, then you get a pop because I'm not spending $3 on a pop from Subway. So I buy it from Citgo for a dollar, whatever it is. Fifty-nine. Instead of paying $17 at Subway, I spend eight. That's your trick. Yes. Buy something that's still more expensive than buying in bulk. Everywhere I go, when I go out to eat, it's all with whatever trick discounts I can use. Or if you want a trick, buy it in bulk, then take it with you, and then it's like 50 cents a can. And also you're going a bottle. You can buy the bottle bulk too. Bottles aren't the same either. Nope. Fountain drinks. Oh, for f***s sake. Fountain tops, so much. This is also the same. So when we do the grocery thing, when I was like, let's go grocery shopping. Oh, so you're going to Subway. Do you have taste? They got a really good chicken bacon ranch. Out of Europe. You go for the caffeine or do you go caffeine before you eat? Caffeine. There you go. Gamer Subs, 40 cents a serving. Make it yourself. Shake it, shake it, shake it. 40 cents a serving caffeinated. 10% off using my code, Caleb. Link in the description below. Get your free samples. See what flavor you like. and then you get 40 cents a serving. You're making that at home now. There's the caffeine-free version for hydration electrolyte drinks or there's the caffeinated version. Stop being a weirdo, man. There's electrolyte drinks too? Yes. I need those for work. Okay. Thanks. For work? I thought she said you did no physical labor. That's what she thinks. They're very good. They're honestly some of the yummiest drinks you will literally ever have. It blows everyone's mind. Is this queso? Yep, that one's queso. No, it is queso. Okay. McDonald's, Dunkin' Donut, sending someone $62.50. What, for weed? What are we doing? $62? Yeah. That's our rent. Yeah. And you can't pay off that. You guys are broken. Yummy Bowl, Cinemark, McDonald's, Taco Bell, Texas Roadhouse. I think I'm going to give you some Texas Roadhouse later. That sounds good. Burger King. I can afford it. We'll go in and get into some bullshit. Apple Cash sent out. $139. Monarch Recovery Management. So you went on a minimum monthly payment there. I did do one with them, yes. Which one is that? Which one can I add a minimum monthly payment to for that to wipe out? Monarch, I think, is the mattress. The what? Monarch. It's what? It's like the one that had the six-month. Yeah, yeah, yeah. What is that? The Discover, the mattress, the Verizon, the Hudson? Mattress, I think. Mattress? Okay. I believe so. Okay, so what is that? Oh, shit. So instead of the pay all and what is that? One thing that $300 pay once thing, you're going to pay one 16 six times instead of $300 once. Well, that's smart. It works better. You're going to continue breeding with that brainpower. His little trick with fountain drinks. Yeah. Okay. Mission barbecue. Dairy queen. Dave's hot chicken. Raising canes. Burger King. Amazon. Dunkin Donuts. Going in and getting your little trick drink. Wendy's. Sushi, Cinemark, Taco Bell, Taco Bell, Apple, Apple, Wingstop. You guys are spending so much money. This is insane. You can't make a payment. Get off. Hibachi, Apple, Amazon, Taco Bell, McDonald's, Cinemark. Sending out money. Steak and Shake. I'm a steak and shake. Spotify, Chili's Grill and Bar. Go ahead and get some bullshit. Marshall's for $200. Sending money. Kohl's, $200. Taco Bell, Olive Garden. When has that got some bullshit? Raising Cane's Steam. Oh, what's that one? I don't know. 11 bucks. Sounds like in-game to me, Skins Marvel Rivals. Could be. Mm-hmm. Go in and say it's a bullshit. EA, $18. Paramount Plus. Yeah, I didn't know about that one. Why? Paramount Plus. $90. Send out to someone. Burger King. Chipotle. Chipotle. Prime Video. Burger King. This is pathetic. This is pathetic. This is pathetic. You use Cash App Advance? fuck me borrow oh there it is oh there it all is actually i just flipped the page and there it all is fuck me man apple cash okay good is this your cash app or does he have a second cash app uh that would probably that's probably mine oh for fuck's sake guys went inside got some bullshit smiley indoor playground and arcade 46 dollars sent $175 out McDonald's sent $5 out sent $5 out sent $150 out it's pathetic the send out on mine is better than cash app better high yield savings account and you get $350 and you set up direct deposit using my link get a free $350 right now when is that got some bullshit Dunkin Donuts oh my gosh I'm about to kill myself for the third bank who has this it's me it's crazy seeing this shit that is like local to my past life. Burger King. Well, that's not local to my past life. Holiday photo. Go in a second. It's a bullshit. Buyer's market. Bendix Family's restaurant. Cash app. Cash app. Dunkin' Donut. Cash app. Go in some bullshit. New China. Ben's soft. What is that? I guess you don't know. Cash app. Cash app. Cash app. Cash app. Cash app. Snack. Chili's. Chili's. Dunkin'. Cash app. Cash app. Best Nail Spa. Restaurant. Olive Garden. New China. Best Nail Spa. bullshit Nintendo bullshit cash app Ichiba? Ichiban? Ichiban? Ichiban? Yeah. What? $50 what? Is that the buffet? I'm going to die. Ichiban. Oh no, that's the place about the house. Apple Panic Express Cash App Cash App Cash App Cash App Cash App ATM I'm going to draw who knows where that $40 went. Some going inside getting into bullshit I think. Cash App Cash App Cash App Bullshit Cash App you went inside and got some bullshit too. $3 cash station. What the fuck is wrong with you guys? Notre Dame never even went there, but you got a check-in account with them. Oh, got an overdraft fee. Bro. He was just overdrafting left and right. Why do we have another cash app? Zero bucks. I don't even know what's happening there. That's your savings, isn't it? Yeah, this is his savings account. Wow, thrilling. 20 cents. What a father. $91 in yours. Not much better. Plus another 53 in that one. pathetic. Cash app investing, $12.11. Wow, we're just doing so great. What about the savings for this car? What is this I save $200 a month? Savings for the car only came after tax season hit. Of which this just is now. Yeah. So your amazing $200 a month is you have $200 set aside once? No. It's a little more now. It's probably like $2,000. Okay. It's a little better. Do you believe that? She is shocked face. No. You have more than that in there. More? For the car? Yeah. I just saw it. What? What is happening? How much? I'm pretty sure when I just looked at you, you had like 53 in there. That's not all for the car. Well, congratulations. You're keeping about. Well, let's figure out what you need to survive. You're taking the rest and you're throwing it to death. And that's not an option. I don't give a. and you're going to continue using your mom's car or her car. I don't give a shit. We're sharing cars. We're dropping each other's off. Welcome to what Americans did before like the previous 20 years. You mean the suggestion that I made that we share a car for a little while? Yes. Yeah. It's okay to have a little sacrifice. $4,900 is what comes in. Thank you is what you're going to say to me, by the way, for paying net taxes so you guys can take taxes because that's why you have that 50 whatever sitting there. Welcome because of the children. I give you money. You're welcome. Thank you. Thank you. Okay. Good. Call me daddy next time. Love writing my checks. So I just get wasted on people who refuse to sacrifice on their own. Debt minimum to payment $700.39. Rent. Currently, what is it? It's weird. $500. Yeah. Okay. That includes everything, utilities, internet, all that stuff. Internet's separate. Oh, how much? 75, I think. Okay. Yeah? Yeah, 75. Okay. I don't... That's all me. I pay all that. Okay. He has to get his high frame rates. Mm-hmm. Phone bill. What was it? I saw like a 150. 150. It's like 255. It's split, so that's why I said Gas, vroom, vroom, drive, drive How much? For Probably We'll just say $160 a month Okay, car insurance I pay that, it's $111 Necessary food, you two kids How does food work at this house while you live there? We don't really have anywhere to put food So they take care of it? No How does it work? If you shop If you get a little cooler. Oh, sorry. We have a drawer in the fridge. Okay. That we can put. Dude, get it. Facebook marketplace. Cheap little fridge. It's okay. Yeah. So that's what I thought. That's what I wanted to do. And then it was. I don't care anymore. That's what you're going to do. Okay. Three kids. We can do two kids. Plus you guys follow that. You're doing meal prepping. It's not the most fun, but it's fine. $900. Anything else you guys can just survive on a monthly basis. I'll do $300. That is nails. That is cool activities. That is whatever. It changes per month. Medical health care. co-pays on a monthly basis any no okay is there a gym no no okay subscriptions let's try 40 bucks a month uh you said there's a dog yes age health um he's eight he's good okay let's try to get pet insurance 50 bucks how much for pet food dog food 40 every probably three weeks so we'll just say 40 a month okay oh okay 40 anything else that needs to be in this budget um i think subscriptions is probably more. I said, well, no, it's not. You're cutting it down to 40. Okay. You're lucky I'm even giving you that. I used to give zero. I've been paying a lot more on gas recently. Well, should I make the gas up? Yeah. You guys are going to be sharing a car now. Oh, well, now then no. Until you give that car back. I would use it. But now the catalytic converter is bad, so it's like 12 miles per gallon. Yeah, it's bad. Okay, I'll boost up gas to 200 from 160 or more. Plus 40. Gotcha. Listen, I mean, you will be able to... You guys are just responding. It's just because you spend it all on fun. It's because you spend it all on fun. You guys are totally able to get out of this. You have an extra $2,228.61 a month. I'll give you fun of $228.61. Okay? All your savings above $2,500, you're cashing out and you're throwing it towards debt. Today, that is not an option. You hear me? That is the reality. You are not getting your car yet. our debt situation including collections 25,861 dollars and 26 cents you are going to wipe out about 2,500 so you have 23,000 hours of bad debt of 2,000 hours to pay you pay it off in less than a year then we save up a fully funded a six-month emergency fund and i think about six months maybe even less and then you guys can move out you can get married before then as long as you actually start seeing some behavior change but you guys are moving out in a year and a half living a great life living 50 30 20 50 percent on needs 20 on investing 30 on fun living a great life make a good income for the area you're totally fine off this is the one of the easiest situations i've ever seen in my life just requires a little bit of budgeting a little bit of sacrificing actually combining your shit and getting on the same page and communicating maybe go to couples therapy off so easy what bullshit i want to call this dad who actually is i guess needs to stand up to you for the first time in the post show um and we will uh talk more about oh shit some other things they didn't want to talk about in the main show they wanted to wait for the post show because there's less people watching okay let's get the hammer financial score spending in a budget let me see you brought in 8 200 which is actually how oh okay most of it's taking out debt. Never mind. Okay. Actual pay is what you said. Where do we spend 7,006? So okay. Zero out of 10. You ever spent debt? There's a collection. Zero out of 10. Emergency fund? Now, I'm glad you have some money. Then it should go to debt. I'm only considering that about a two out of 10 on the emergency fund because you need to pull money out. Put it towards that and you'll still have collection. So fuck off. Retirement zero. Real estate zero. Hammer financial score. Round up 0.5 out of 10. Get yours at CalebHammer.com. Click join. Join Hammer. Leave Best membership on YouTube where you get three premium, incredible, high-quality shows posted every single day, six days a week, including an extra 20 minutes of this episode called the Financial Audit Post Show. It's going to be a good one. What could you not talk about in the main show? I don't think that we should be paying for ****. I don't like that. Hello? Hey. So we're – Can you buy a time here? So – Hello. Um, so – Oh, gosh. I really don't want to know. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.