"Islam Is The Most Feminist Religion" | Financial Audit

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My friends who are male. So they're all men. Dollarwise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months for the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and Meal directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, my name is Muhammad. I'm 40 years old. Hi, I'm Celeste. I'm 29 years old. We're from San Diego, California. And this is Financial Audit. Yes, it is. It is Financial Audit. Muhammad, what do you do for a living in San Diego, California? My dream city if it wasn't so. I'm an applications engineer. Okay, please make money. What do you make? Please make money. Like my salary? Yeah, what do you make? $91,000. Okay, okay. I'm happy. Listen, San Diego, very expensive. Basically, it's literally, if you don't know this, it is factually statistically the best weather major metropolitan area in the entire world. Nice. Lucky us. Jealous. Actually, jealous. Okay, very good. What does that break down on a per paycheck basis or per month net? Per month net is about $5,200, I think. Okay, cool. Listen, San Diego, that's still going to be hard to live off, unfortunately, alone. Luckily, this is a married? Yes. Married household. So what do you do? What is it? Celeste for a living. So I am a healthcare coordinator. Okay, what do you make? I make about $31.50 an hour. Oh, yeah, San Diego. Okay, yeah, what hits your per paycheck or per month basis, net? So right now, it's $1,700. How many hours are you working? A week? 30. 30 hours a week. Well, if you know that's not enough from the looks you're giving, why aren't you working more? Just medical stuff. Morbid obesity? No. Well, what else? Anxiety. I have anxiety. I have a panic disorder. It's crippling. I work 50 hours a week. Well, I'm also a mom and I'm a full-time student. Okay, well, that would be more of an answer. Okay, both of those would be more of an answer. Yeah, I have insomnia. I'm not making excuses. I work 40 hours a week. Just saying. How long have you guys been married? A year and how's the kid? Four months. He's seven. One kid. One kid. Are you... What, this firm? No. No, he's not the same. I'm the stepdad. Right, what were you doing? It was just a bad relationship. Relationship, not a marriage. No, it was not a marriage. Actually, he was not planned. Shocked. Yeah, we broke up and then I found out I was pregnant. Oh, for f***'s sake. You've been engaged three times. Wait, how are we even confident that this one year in marriage is even going to work, honestly, engaged three times? What are you doing? I mean, it's been good so far. There's nothing... It's been good so far. Yeah. Okay, I mean, you're wearing the special outfits. Before you get triggered, this episode was filmed before the war in Iran. Buckle in. So, I'm assuming we're in the Muslim area of religion. Muslim area, yes. Is there an... It's not an era, no. No, area because there's also, you know, there's like sheik and... No, no, no, what am I thinking of? No, I don't practice them, but when you get into the mountains, it gets a little exciting. Hmm. The Buddhist monks? No, not even Buddhism. There was this one guy in high school, we all used to call him a terrorist. It wasn't me, right? He wasn't a Muslim. He was just another one. Very peaceful religion. I mean, they're all peaceful if you think about it. Are you saying that we're not peaceful? Statistically, it's just... Of the least currently practiced ones. I'm not saying you guys aren't. I'm sure I know the vast majority are, but I mean, if we have to pull a stereotype out of a... Look, okay. I'm not trying to go into that, Caleb. I'm not trying to go into it. I wasn't saying that. I was just like, I didn't know if you were Muslim or one of the other ones that sometimes folks Muslim, but isn't Muslim, but you are Muslim. Yes, I am Muslim. Okay. Well, actually I make fun of all stereotypes here, but... I'm not freaking out about anything. I'm not even... I'm not accusing you. We're here for because of him, okay? Well, that's great, but I have a question about you. You've been engaged three times. How do the Muslims feel about that of your parents? I feel like they wouldn't be so happy, especially bred out of wedlock, red-wedlock. Well, I wasn't always Muslim. I was actually raised Catholic. Well, not Catholic. You converted to Muslim. Yeah. I feel like that's a little more rare in Western culture. It is, but... Okay. I love it. I love being Muslim. Sure. Why? What are the perks? What are the benefits that have... Salvation. Okay. The overall big religion. Yes. Because it's the truth, my friend. Okay. So it's more the... What comes later you like? It's not the now thing. No, definitely the now too. I always growing up as a child, I never... I always questioned the Bible. And so... But you don't question the Quran? Of course. I think question everything. Well, I don't think you're allowed to question the Quran, especially as a woman. No, definitely not. I mean, come on. No, no, it's not that. No, Islam is probably the most feminist, more religious religion there is, like very much protective of women. Yes, it is certainly Middle Eastern countries that are most well known for their feminism and freedom for women. It is. The Middle East. If they're practicing Islam, yes. So you're saying they're all practicing it incorrectly, everywhere, including Mecca? I mean, if they're oppressing people, of course, yeah. Then they're doing it correctly? Maybe, maybe. I don't know. I don't live there. No, no, no. Listen, I wasn't even trying to talk as well. I was just trying to go off of your engagements and I didn't know you converted. But I mean, to say that the Middle East is the most feminist part of the world is curious. Well, she didn't say the Middle East is the most feminist. Yes, she did. No, she said Islam, of which the Middle East is the home of. I mean, Indonesia is the most populated Muslim country, obviously, but the core where it spread from in their colonization efforts was from the Middle East. Colonization efforts. Well, all religions colonize, absolutely. This is one of the more recent ones. I mean, Indonesia and even the Philippines at one point, I mean, that was by Muslim traders, right? They just went over there. Yeah, sure. But when you pushed into Africa and especially Spain. Okay, yeah, there was an empire. There was an empire, all right. There was an empire and the Christians did it back, all bad. Not a big crusade guy. I don't really like killing in the name of religion, either way. No, yeah. But you're telling me women are more free in Islam than any other religion? I mean, I feel like. Listen, I just like, I'm converted to Islam, I don't care. Islam's fine. I don't have a problem with Islam as a whole. But when you come here and you say it is the best religion, the most feminist religion for women, you're going to lose me here based on everything we see in the literal world. I mean, it's. With the most theocratic regimes being Islam, Islamic right now, with the least freedoms for women and most violence against women than any other countries. I think that's all because of media portrayal. I don't genuinely believe that's the type of. What? Yes, it's media. What are you talking about? I'm talking about the fact that they are portraying these countries in a certain light and that. So when women had a lot of freedom under an oppressive regime that was Western focused dictatorship in Iran, don't get me wrong, not perfect, not purely defending Western, Western, Western or Christian Christian or anti Muslim. That's not what I'm doing here. But when they had that women could go to school, women could work, women could go outside without wearing the outfit. You're talking about Iran? Iran, yeah. So women don't work or go to school there? Check your facts, Caleb. You think they have the same freedoms they had before it became a theocratic regime? Well, by freedom, what is your definite, that women can go out naked or what? Naked, how about just not wearing the outfit without getting beaten and locked up? They get beaten and locked up if they don't wear it? The morality police? Yes. Oh, okay. What? Yes. Again, this is not an anti Muslim thing I'm talking about, but when you are going to come here, I'm sorry, this conversation is derailed out of the gate. Usually it derails a little further. And say it's the most feminist that goes against everything that everyone can see with their eyes right now in all countries. And sorry, Ray, but they just got the right to drive a couple of years ago, a literal couple of years ago. You would be beaten Iran if you took the scarf off. No. What, you get beat in San Diego? Is that what you were about to say? I don't think that's the case. I don't think the American government has officers around beating you for not wearing certain things. Not necessarily in that regard, but... Not at all in that regard, actually. I think what she's saying is the media had a certain portrayal. No, no, no. The media had a certain portrayal. What was that portrayal? And then she met me. What you're saying right now. And then she met me. But what I am saying is true in those cultures, in the three-year credit regimes. Those cultures, but not Muslims. Here's the thing. I know you're not Muslims. No, she's saying that culture is the most feminist, but those states that are led from Islamic principles are the least feminist states in the entire world. Well, it depends on what you say about Islamic principles as well. They say, they're theocratic. They can say all they want. That doesn't mean they actually do it. The principle. Okay, well, are we going to do the whole thing that Christians do with shellfish and a bunch of shit like that? Or are we picking and choose what we like depending on our world values? No, of course not. Because you guys are more Westerned. No, but here's the thing. This is what I'm going to say. Okay, because I think what she's trying to say is this. When we started... Are you guys dead? We're in so much debt. Okay, then you're not following Islamic principles. That's true. Then what the... Are you going to tell me? What am I going to tell you? What? You're not following it then? We do our best. It's not about just being perfect. There it is. What is? You do the best you can. But... But is why you go further into debt? That's doing the best you can. I mean, yeah. We're failing on that front. I mean, I don't care that you revert to Islam. I surround myself with people who have Islam. Like we've had people that work here that are Muslim. I don't give a f*** about that. I don't really care. As long as you don't shove, just like Christian, as long as you're not shoving it down someone's throat, I don't give a f***. But what you said about women is dangerous. Because women are being oppressed and killed. And it's someone that actually wants freedom for women. I'm not saying that those aren't real things. Having it across the entire Muslim world. It's not just Muslim world. It's happening throughout the entire world. No, but that is by the Muslim-led countries where the religion is the state. Objectively. I mean, I'm sorry. Objectively. And Western values are a good thing. I know there's this big, crazy anti-West happening right now in our culture. It makes no sense. So where women can be free and do what they want. That's not a bad thing. And you get to do that here. As a Muslim. That's not anti-Muslim. Again, I want to be very clear. So you convert it for him? No. No. Oh, well, when did you convert? Three years ago. Okay. So it was before you met him? No. No, no, no. It was two years ago. You didn't convert for him? No, not at all. Of course not. I chose this faith because I believe in the values of it. Okay. And that's good. I mean, he introduced me to the faith. The values, just like any religion and any religious person, the values you're picking and choosing for sure. Absolutely. Yeah. It would be pointless. Same thing for Christians, trust me. I mean, it'd be pointless to refer. I've seen him on the show. If it was for him. To revert. Oh, convert. Sorry. We believe that everyone is born Muslim and the influences of the world make us not. And whatnot. But yeah, I converted to- He doesn't want to hear it. I'm listening. This is a little silly, but- I don't think it's silly. Why? My- It's like, you can't put that on me. You can't tell me I was born Muslim. Well, it's not like that. No, no, no. Remember when I said that I'm okay with everything until you shove it down someone's throat? Yeah. No, that's not what I'm- The reason she said revert is this. Okay. So it's called the fitra, right? It's the idea that we're all born with the innate disposition of believing in God, a creator. Okay, I don't give a- Okay. Awesome. We're good. I'm just trying not to get too- off track immediately because we are 20 minutes in. Who knows how much of this has stayed in so far? But listen, okay, so you didn't convert for him, apparently, allegedly, maybe. But definitely it was when you guys met him before you got married. So you have a kid. So your parents are not Muslims. So they don't give a- What's your auto wedlock thing? But you do. No, my mom did, definitely. She was Christian. So, I mean, she loves my son. So- Okay, why am I saying she doesn't? My goodness. Okay. Geez, I just thought it would be controversial based on the garb. Oh, yeah, yeah, yeah, yeah. I mean, I feel like- So you're saying you're on here because of him. What is that? Are you sure you're allowed to speak out against your husband? Sorry. Continue. I mean, technically not. But I mean, yes, we are here. Not. No, we're here. What are you talking about? I generally think he's hiding things from me. I think he's not telling me everything about our debts, or at least what his debts are. Well, I mean, that is if you guys believe in the Sharia law version. Are you Sharia? Yeah. Trigger warning 2.0. Before a performative YouTuber complains about Caleb being an Islamophobe, also sent them this video titled, He Just Sucks, where he did the literal exact same thing to a Christian guy for being a hypocrite about his own religion, and this couple for being crazy about their religion. Cry harder, Pussies. Sharia just means the path, right? That's all it means. If so, for a fact- The actual specific law itself? What? The laws that it constitutes- Of course, I think it's best if you don't take interest bearing things out. Yeah, of course I do. You can have three more wives? Technically, yes. Then you're okay with that? Hell no. Well, then you are not following. I thought you reverted. No, it's- It's- It permits, it doesn't require you to marry them to three, but it does permit that is a verse 4-3. That's what they call them. So you can have a marriage contract, and then she can say, Hey, I will divorce you if you marry another wife. Yeah. Yeah. Of which, by the way, you saying it's all his fault in 4-34, he is allowed to strike you as a disobedient wife. I mean, me saying that- You're okay with that? That's not- We can go- I can go into this all day if you really want me to, but we would go down- Well, he is allowed to. He's not required to, but he is allowed to. No, no, no, that's not how it works. Okay, to you, but for most experts that have gone through it. No. Okay. Okay. By the way, in this conversation, this is very important as of Quran 2-282. Woman's testimony in financial matters is actually worth half of that of a man's. So you're actually only able to speak on half of what we're about to do. The rest he has to do. Because we're doing the Sharia version, so we have to be very literal. And we have to follow the rules, as I said, because we reverted and we care about the values, because it's the most feminist thing ever. So you can actually only speak on half this. Your value is only half, unfortunately, when it comes to finances. And you had a son, right? Yes. Okay, very good. Are you guys gonna have any daughters? What's that? Are you guys gonna have any daughters? I mean, hopefully. Well, they can only get half the inheritance actually legally. Sons, they get 100%. Women, they actually can only get half. I really hope you never re-revert, because then he is actually required to kill you. No. That's- Actually, that is two, two, five, six. You're just reading stuff and you don't understand what you're reading. That is researched and through people that are not in the religion, but actually study from the outside without having the bias of being born and raised in it, and then have that disproportion because their faith, and just like anyone in Christian, who I do not rely on to actually speak about Christianity, because they are so full in it that they actually can't think critically about their religion. That same thing happens for people within Islam. Why do you think I'm hiding that anyway? Why? Yeah. So yeah, what's up with this debt? So he likes to buy statues. Of Muhammad? Probably not. What? Can't have those. Okay, well, statues are you buying? Um, okay. Well, I'm a movie guy, a comic book buff. So predator, aliens, terminator, Batman, Superman. Debt for statues. I am in debt for statues. What is our numeric debt for statues? Maybe 50,000. 50,000. Well, that's $25,000 to you. But yes, what the f***? That's crazy. Why? Why 50,000 for statues is insane. Show me one of these statues. Can I see one of these statues please? You want me to pull one up? Yes. If we're 50,000 dollars in debt for statues, and you just marry this woman, yeah, can I, sorry, I don't want to go back to it. But listen, do you feel because of the faith that you have, that you don't need to have this conversation with her? No. Okay. You keep going. You said it wasn't the faith thing. I had to ask. But it seems like you're really... No, I had to ask if that was your perspective. No. And you're saying no, so I believe you. I trust you. Again, I have absolutely no care in what you guys believe. Okay, but I care when people believe. People believe the wrong thing. Okay, and you believe a lot of the wrong things because you don't understand. I could go through it with you if you'd like, not here, but maybe another time. Let's see the statues. Very exciting. My phone is not... Oh, connected to the Wi-Fi? No, I'm not. My phone is connected to the Wi-Fi. A foldable phone. Yeah. I think people had those. Google Chrome. Oh, oh, he sent me like... Oh, he did? Okay. Yeah, let me see these. Are these like human size? Where are you putting them? It's cool, I guess. Do you have like a movie theater in your house? Do... Yeah, they're like three... The deluxe bonus version? Okay, I have that. Like $3,000. I have the deluxe bonus version. They're in storage, Kayla. It's so awesome. How much did Demolj debt did you think it was? $30. You were okay with that? No. What are the financial conversations that happened in this house? Without the striking. I mean, usually I'm the one who initiates them and we talk about it. And yeah, we have certain numbers. We use the... Everdollar? No. Yeah. We use a free version of like the Dave Ramsey one. Okay, well, that's the thing is because it doesn't automatically connect to things. It requires your manual shit. So it's just so f***ed anyway. So like, I want to do that. I mean, okay, listen, you guys get dollar-wise for free forever now. So just use that. It's automatic connection. So that's good. But okay, so you use that and then what? Which requires manual entry for everything, which is horrendous, but please. I mean, it's just a way that you track. This is hard to track. I know, but that requires you to go through it on a daily basis, do you? No. We do. So you actually track correctly? Probably. I mean, yes, we do. I mean... Okay, so when she brings up the financial topics, what actually happens? I tend to walk away because I am not good. You just walk away. No, no, no, no, no, no. Listen, I'm not good with money. Okay, so. Well, isn't that what the conversation is for? Yes. But it scares me. Okay, hold on. Yeah, but husband and wife, we don't get to walk away from hard topics, do we? No, no, no, no. No, we don't. I just get scared. I get nervous. Scared? Okay, we have. What about your entire life? What about your entire future? Are you guys going to have more kids? We want more kids? Yeah, how are we going to do that? You can't just walk away from the future then. That's cowardice. Yeah, it's hard to face it. Well, how do you feel when this happens when you just see him turn around? I mean, it infuriates me because it's just like. Yes. So what do you do? Let me ask you something. How long have you been planning to deal with your debt? Six months? A year? Two years? 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Well, they're going to force you to use it his way. That's not very personal finances. Rock of money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Bill, play 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. What usually happens? I'm trying to get the dynamic in this household. I mean, I feel like it's gotten easier, but I really... What do you mean, easier? Easier because we're making better decisions because... No, we're trying to buy a house now. Can you guys... Wait, on this income, can you guys buy a house? Well, that's not... Okay, so that's not... With the $50,000 of... No, no, no, that's not everything. Okay, what's everything? I'm 80% disabled, right? So I was in the Navy. Yeah. Wow, in the Navy. Yeah, Muslim guy in the Navy, Muslim Arab guy in the Navy. Why are you bringing up the Muslim? I don't care about Muslim serving. Well, you kept bringing it up, so I thought I would throw that in. No, based on what she said, I love people that are Muslim. I've had people that work. I've had friends that are Muslim. I love... I don't really care. I just... No, to be very clear, all of the things I talked about was because she said it was a feminist religion when it just goes against everything. I know. That's specifically, yeah. Yeah. And that you're practicing it literally, so I had to... Well, I mean, yeah, because people are dying, but... No, absolutely, I don't give... Why would I care if you're in the Navy? Okay, all right. I like your religion just as much as I like Judaism, as much as I like Christianity, as much as I like... Which is not a lot. I get it. No, I like religions. When people do it peacefully and wow, I don't like it when people shove it down their throat and then like beat women in the streets. I don't like it. Or throw gays off roofs. I do not either. Just so... Okay, so I'm gonna... Just... Well, that's good. This is the last time, okay? Just so you understand the whole dynamic when we were seeing each other. Her mom actually thought I was going to beat her. She's like, oh, honey, don't marry him. He's gonna beat you. Have I ever hit you? No. Have I ever touched you? No. Touched? Touch her. In a... In a... Touch her, man. No. In a... In a aggressive way. You know what I mean? Well, unless consented. But listen, here, Daman. Okay, so you're 80% disability. What does that come down to? 1,500. What happened? What happened? What happened? I have to always ask now because we've had so many people that have gotten disabled outside of the military that end up getting disability from the military. What happened? Yeah. Why are you disabled? Insomnia. And my neck. Did that come from the military, though? Insomnia? Insomnia. How... An anxiety disorder and depression, yeah. Gosh, but everyone has those already anyway. I mean, exhibit A, right? And exhibit B for what it's worth. And I certainly didn't serve them a fat... But I mean, I'd sink the ship. Damn, thank God you didn't. You weren't on it. What I'm saying... That was a really old ship. But listen, but how can you track and somnate of that? The VA has its ways. Okay, so it actually 2800 comes in, but how the f*** are we having a conversation about... First of all, houses in San Diego, what is that? Like a minimum 800, 900 thousand dollars? But not only that, how the f*** are we doing that when we're 50 thousand dollars in statuette? Plus many more thousands of dollars into more debt and she doesn't make dick of income. Also, it's a seven-year-old. You made it sound like you're taking care of a one-year-old and that's why you can't work. Well, he's... It's a f***ing seven-year-old. He's special needs. He has Golden Heart syndrome. Huh? Golden Heart syndrome. Heart? Golden Heart. Heart, tell me what... I do not know this one. So essentially it's a congenital birth defect disease. So the best way to explain it in layman's terms is parts of his body are either in the wrong spot or they're... Where's his arm? No, no, no, like internally. Okay, where's his heart? His heart is where it's supposed to be, but like for instance, he has a right pelvic kidney and usually your kidneys aren't towards the back. Okay, so how does this affect him though? I mean, we just recently went through like spinal surgery. He's had five surgeries. He's had already five surgeries. Wait, why does this prevent you from working though? I do get the surgery thing, but... No, it doesn't because I was a single mom before I married him. Hold on, you guys have been married for a while, seen each other for a while. Why are you working 30 hours a week now? That just happened recently. That was... What was happening? I was working 40 hours. I started school to be there. Oh, that's right. So what are you doing in school? Marriage and family therapy. There's good money there. And of what values will you be teaching those marriage values? I mean, I'm not teaching any values because... In therapy. No, a therapist has their own values. Yes, you have the self of a therapist. Okay, so what's your account right now? So right now it's 1700, but usually it's around... Okay, may I just ask? May I just ask? If a man and a woman comes in and a man has hit his wife because she spoke up to him, what will you say in therapy? Dang, that's an interesting scenario. I mean... It certainly is. Yeah, no, I mean, I would definitely make sure she's safe and provide her resources and... And what not? No, that's not a good situation to be in. But if the client is saying that she wants to make it work, my job is to help them work that through. My job, the client is the relationship. Okay, so what price of homes are we looking at today? Between, I think 650 and 750 is like kind of the range of what we've been looking at. We were pre-approved for more, but that's kind of where we... Yeah, they'll pre-approve you for something way beyond what's acceptable and that you'll never be able to afford. I know, that's what happened with my credit cards. They approved me, I said, oh, yeah, now I can buy a bunch of statues. Uh-huh. But what are you doing with them? They're just in storage units. What are you doing? That's for posterity when I have the house. I'll have a statue room. You want your house? No, no, no, no. No statues? Honestly, I think... We're one statue room. So what are you going to do in a statue room? I just gonna show my friends? It's all my childhood stuff. I want them there. Your childhood stuff. Yeah. Most of us don't have rooms for our childhood stuff in adulthood, especially if it f***s the entire household inputs. I mean, it's the childhood room above your kid and future kids. No, no, no. We'll have what it literally does. It literally does. No, no, no, no. But the finances objectively are prioritizing statues over the kids. I mean, I honestly think it's too soon for a house. You guys disagree about the house. So what are the conversations here? Are you walking away from those two? Which, by the way, I've not gotten the answer I wanted to. But go ahead. No, no, no. Because that house is... That's future. That's right. That's family. I mean, yeah. State stability. But I genuinely don't think we're ready for a house. It makes me nervous. It makes me nervous too. Lots of things that are worth it in life make you nervous. I mean, but that's the same thing with the car too. I wanted you in a safe, reliable car. That's not going to break down on you like the other one did. What? Isn't that good? Yes, it is. Okay, that's way better than statues. Okay, but a house and a reliable car. But we can't give those things because of your statues. Okay. I'm so confused, guys. Okay, so she sits down, tries to make a budget, and you just walk away. How the f*** can you possibly have a house if you can't sit down and have a conversation with your wife about budget? I come back. And then what? I'm asking all these conversations, go. She says you walk away. So now you're saying you come back? What is this? What actually happens? I need a little insight into how the finances are conversed, how things are managed in this house. I need something, please. I mean, we just make sure that our minimum debts are paid, and then we have enough for rent, utilities, groceries. The conversations! I mean, between us, that's what we talk about. We talk about this thing. But you said he walks away. He comes back. And then? And then we talk about it. How? Are we at fully aligned? Do we disagree? What is happening? What's the dynamic? We disagree sometimes, but what? What are we disagreeing on? Well, like food and like eating out. Who's having what perspective? I think we eat out a lot. I don't. Yes, you're the one eating out. No! We eat out together most of the time, but usually when I go to work, I got to go straight to class. And then I'm the one who picks up and drops off my son. So I sometimes it's convenient to go and pick something. At least I don't door dash it. Caleb! Yeah, but you're the eater of it. So is he! I mean, that's not when you're at work or school. That's maybe for dinner. It's because you don't want to say no to me. You do seem like a pussy a little. If you're walking away from the tough conversations, I know you say you come back, but she's saying you can't say no. Are you a pushover in this relationship? Are we doing like Muslim reverse? I mean, I think he just needs to hear it from you, Caleb. Here, what? I'm still trying to determine what's even going on. I think that he doesn't fully grasp our financial situation. He thinks that we are able to, you know, do these things like buy a house, buy a new car, and all these things. And I want to make sure you're good. I mean, that's why I got you that phone. But I didn't need to get that type of phone. Like, I'm grateful for it. Don't get me wrong. But like, literally, I had to go to the doctors recently because of all this stress. What? What? My body just freaks out. Like, I get itchy. I get muscle spasms. Like, I'm chronically stressed. Lose weight. I'm trying to. Okay, look, as a woman. Oh, oh, here we go. Hey, don't degrade women when they're talking about their issues. Oh, I will. Okay, fine. Some individuals, they have a hard time losing weight when they are stressed. Eat less calories than you burn. You go out to eat every five seconds of your life. I've been doing a lot better. Oh, because I'm a woman. I have to stop for my food on the way home. What are you talking about? What's a woman thing? Listen, if you're pregnant or if you just had the kid seven years ago, eat less calories than you concern, you're not going through menopause. Are you at 29? That'd be weird. No. Okay, what the fuck are you talking about? I just have other diagnoses that affect my weight and my hormone fluctuations. And what are those official diagnoses now from TikTok? Premendial dysphoric disorder. Uh-huh. Unspecified generalized anxiety. Specified, okay. It's a good thing. It's a good thing. You have a panic disorder. That is not why I'm an obese individual. It's because I eat more calories than I burn. It's a simple math. There's a very few specific things that will fuck some people. It doesn't sound like you got them. I mean, it's a lot of it. Girl, you eat. Girl, you eat. You can't control yourself. Come on. You can't. Look, my doctor has told me that I need to be frequently. Your doctor has enabled you to eat frequently, healthy, in less amounts. Yes. That can still be a thing. It is still a caloric intake versus output. It is still the math in the end, regardless of the time you're eating. It's still the quantity of calories. Come on, dude. That's pretty basic shit. I'm not saying it's specifically like, look at me. I'm not perfect in this. I'm with you here, but I know what it is. And here's the reality with a lot of the disorders that you likely have and with all the anxiety, with the work, with the energy, everything magically becomes better. You know, no longer fat. It's weird how that works. I believe that. But to be fair, to be fair, I mean, okay, I weigh 145 pounds. Yeah, you got a good metabolism. Exactly. So I eat just as much as she does. You have a good metabolism. She doesn't, dude. So some people. Some people have better metabolisms. Most people have like your metabolism. That's us. Welcome to America and we're obese. You just got to consume less calories than you spent. I don't think it's a calorie intake thing. Okay. No, I genuinely don't. We would save a lot of money. Okay. If we. Yes, you would save a lot of money. But also like lower calories is lower money. So. What the f**k? Of course it's calories. What are you on about? It's not. What? That's not possible. That is like actually not possible. When your body has a. That's a fat cope. Fat cope. No, it's trauma. Your body holds on to trauma and then. What are you talking about? It's trauma. Oh, she lives on TikTok. You married a tech. You married TikTok. I don't even talk TikTok. Right. That's actually true. No. Where are you? What social media are you on? I'm not. I'm not. She's on her phone. Even in bed. Okay. Yeah, shut the f**k up. You're on something, dude. I'm not. What? That's not possible. First of all, just everyone is. And he lives with you and he sees it. So shut up. He forgets everything. He doesn't even know what he's talking about half the time. Okay. In this dynamic, it is a bit weird. That's insomnia is not. Sorry. Go ahead. I have a note from Colton that. Oh, insomnia. That s**t's real, man. It is. That's scary. I feel so bad for you. That's absolutely horrendous. I am so sorry you deal with that. That is like one of the worst things out there. I'm just. Whew. Oh, I don't want to live with that. So, but she said in her pre-interview that. He needs to hear financial advice from a man because he won't listen to a woman. It's what she's told Colton. Did you say that? No, I said you are more open to advice when it comes from your male friends. So I thought that kind of in my head was like maybe Caleb. That doesn't mean a man. My friends who are male have been around. You don't have female friends. Oh, exactly. So they're all men. Yeah. You don't want them to have female friends? No. See. The only female friends he has are my friends. Like we hang out in groups, like couples and stuff like that. He told Colton you overthink. You told Colton he's reckless. You also said talking to him about money is like talking to a brick wall. Is it? I'm a brick wall to you? When it comes to finances, yes. We eventually get there. You just got to break the wall down a little bit. I already do that on day, like day to day with the individuals I work with. I don't want to do that at home. Like, I mean the common factors, you guys are all veterans, but I don't, I don't, I deal with their stress because they're dealing with homelessness. I don't want to deal with that at home. I have to deal with their PTSD, their anxiety, their depression, all of that. She's talking about her job. Yeah. I got that. So. It's an excuse for eating. I don't think so. But again, I feel like I'm not actually getting the insight, and this actually kind of was upsetting to me in this conversation about what the financial conversations are like. I'm getting so much just different information, especially from you guys, your pre-interview versus right now, versus you walking away versus coming back, versus he just won't listen to me, versus what the f- Who's running the- So you're running the finances? Yeah. Okay, why aren't you involved? Pussy. I am involved just not to do- And what, what? Degree that you think I should be. Well, I think you're only- And that I want to be. You want to be, so why not do it? I don't understand the thing of wanting, but not doing. Do. Do if want. Okay. Yoda's advice. Try to- We got it. We understood. Okay, I thought it was funny. God, if you want to, why are you not doing it? Actually. It's still scary, because I know, I have a habit of when I get into something, I start spending. Okay. If you see the numbers, you'll start spending? No, no, no. Like if he has like available income, he will start spending on things- Okay, but we do not- Do you not spend regardless? No, no, no. So let's say we, she budgets, right? She does it and I'm there with her and then she's like, oh, look, we have some extra money. I sometimes take that like, oh, we can go spend this money out. Like we don't have much of a savings right now. And so, yes, talking about finance is kind of scary. Okay, it's real stuff. That's all I'm saying. And it's like with the house, right? We pay $2,500 in rent, right? $2,500 in rent. Not getting it. Cheaper mortgage than that. No, it's $2,250. $2,250. Certainly not getting it in cheaper mortgage than that. That was before I got my 80% and then once I got my 80% I was like, oh, now we can afford- You guys are like basic middle class, maybe a little in San Diego. It's a little brutally expensive city. Now household income right now with your 80%. When did you get your 80%? October, November. Okay. I mean, you guys are at 9,700 net on a monthly basis now. Well, San Diego is still just an absolute brutal city. They don't build things. They don't permit things. It's a complete failure of things and bringing down cost of living. Yeah, she gets some- Ah, yes, from the penis. How much? $4.84. Yeah, okay. No, that's something. What does he do? He must not make much. And then the SS? He was unemployed when they did that and I didn't ever- Seems to be the case every single time and there was something else? My son gets Social Security. How much? He gets 9.15 a month. Okay, well, these are helping still. You know, mortgage payment that you guys can afford is maybe like 3,000 blocks. You're getting that. That's all we can afford. 3,000, 3,500 starting to stretch at about 45. No, no, right, 5,500. That's why I- 5. Yeah, we were paying 2,500 about for rent and utilities and all that. And then now I got the 80% before the 80%. No, no, that's not it. 2,250 is the rent and then electricity is like 120. Like there's other things. You just don't see them. Guys, this is an insane amount of paperwork. In what way is the house the thing? Well, she's against the house. So what are the conversations like when it comes to actually getting the house? I mean, I go with him to go see the houses. I like the houses but then- Well, they're fun to go view but you're against the purchase, right? Yeah. So what happens in those conversations? Because this is the one thing he's actually trying to do financially. I freak out and I shut down. Is that what you both do? That seems to be what you both do. You shut down. We need time to process and then we come back and have the conversation. The conversation, yeah. And then what happens? And then- Then we take action, Kev. We- Well, but you guys disagree. So if you guys disagree, you come back, then what happens in that conversation? They can't answer this question. It's cold feet. That's what I tell her. I'm like, okay. But what do you say? I say that I don't think it's cold feet and that you're not, you know, it's- And then what happens? And then what happens? You say you have cold feet, she says I don't. Then what? Then we say- I mean, I ask her, I say, are we still okay? And you say, yeah, it's fine. Yeah, but on the topic of the house, guy- That's what I'm saying on the house. But- Are we still okay? She says yes, you're okay? I mean, in the house? I feel like it's part of me that like, like, fawns into it. Like, I- She keep pulling out fawn language? Oh my goodness. Are you sure you're not TikTok diagnosed? Dude, what are you talking about? Oh my f***, you're broken. What's fawn language? Like, people pleasing and like- Oh my god, I hate you. Such a just baby. Nothing is just on you. It all has to be these micro diagnoses. Stop! For yourself, being an adult. So what, you give them that okay to get a house? She goes back and forth. So it's like, one day she'll be like, uh- So where are we today? We're gonna get a house. Right? Yeah. Baby, what? Bro. Yes, Caleb, we're gonna get a house. See? Right, baby. Where's your percentage on that? 100% being I want to buy a house, 0% I don't. I mean, like, 80%? What? You do not seem that high. Are you afraid of the striking? What's happening? You do not seem that high. Because I understand the value of, like, what a house is. It's an asset. Okay, guys, so what are we doing? San Diego, California, three-bed, two-bed, three-bed, three-bed, uh, 1,686 square feet, probably on the complete edge of civilization, 680,000. Are we okay with that? And it doesn't look great. Yeah, but it's doable. It has a really nice backyard. And it's lower than... So you guys know this house? Yeah, we've visited this house. We've seen this house. You like that. You want to get that? It's on the list. This one's absolutely gorgeous on the outside. Love that little Spanish style. Three-bed, two-bed, 1441 square feet, 739 must be a little closer to town. Yeah. Yeah. How far away is this from San Diego? That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money? We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account. If budgeting apps make you feel like s***, this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many regulars, screaming at them about what they did wrong. So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't common from your spending. It's coming from having zero clarity and using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it? You're not alone. That's exactly what we built dollar-wise. If you want to comb and clear a way to see where your money is going, try dollar-wise. Download the app today and get a three-day free trial. No set of nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download down-wise and see if this helps you feel more in control without the stress. And if it's not a bit, cancel anytime. I mean, it's in San Diego, but it's... But from San Diego. So, it goes from like, these are... How far? This one. Well, it depends. Are you talking about going towards downtown? Yes, the city. Maybe like 20 minutes? Maybe like, yeah. 20 minutes, yeah. But we're looking at it mostly for our work, right? We want to find one that's close to our work. Well, how far is that to work? This one... 25 minutes, I would say. I don't remember exactly which one is which, but we have like a limit of like, it can't be more than 20 minutes. La Jolla is where I want to live. La Jolla is nice. I don't blame you. La Jolla is really nice. Okay, 735,000. We want to live there too, but we can't afford it. Well, I can't either. Four-bed, two-bath, 1,400 square feet. Oh, that one's my favorite. Really? Yeah. Okay. This one's honestly shitty. Please don't get this. And it got a price cut for a reason. 675, two-bed, two-bath, 850, 8 square feet. Look at this piece of shit inside. That looks horrible. Do not even consider that. I won't even allow you. Why? Why did... What's so bad about this one? That's going to be hard to resell. Look at the price drops. I mean, it's just look at the tile inside. It's micro-dick size. It's not very good. So that's a hard resell. This is a hard resell too, as a two-bed, one-bath, 988 square feet, 749,000. Hmm. But that orange store, it's not cute. Okay. Yeah, paint your next door orange. Listen, I'm being told you put in multiple offers recently, but you got denied. Yeah, it's torn. For this one? Well, I mean, it's becoming a... It's like a bidding war. It's a bunch of bidding wars out there. Still bidding? Oh my gosh, okay. So... Are you guys combined on finances? We do have a joint account. But are you combined on finances, other than just that joint account? What does that mean? Combined. You guys run everything out of... Combined finances, is everything integrated, or do we have separate accounts? What are we doing? Separate accounts and rent and... Right, rent is... Our share bills go through the... Oh, I'm being told that's why you're stressed about him hiding debt. Yes, no, that does exactly why. Because there's the separate account. So what's your fear with him hiding debt? Because I don't know what he's actually spending on. And you don't want her to? No, I just think... Because she told me a joint account is going to be good because we can all track each other's expenditures. We're budgeting, we're asking for the household. She can track mine, but... Keep each other accountable, you know? Yeah, but I didn't... Or just to know... Like what's going on? The budget, but... But I didn't want to combine that with all the debt that I'm paying now. Hold on, are you guys not married? Are you not a partner forever? Through life? Through all of the... 42 versions and all, don't you get to share them? Like, yeah, we're together, but I don't want to... It feels like I'm passing a burden on. I don't want to share an account with my debt. It's my debt, right? I see it as my responsibility to pay it, so I don't want to share an account. Well, how do you feel it? I feel like he's hiding it. Like, I think he's embarrassed. Are you? No. Because I'm not hiding anything. I... Then show me... Then you haven't shown me, so I feel like you're hiding it because you haven't shown me... If she asked to see and you don't, that is kind of hiding. I mean, I don't think you've ever asked to see, like, can I see your bank statements right now? I look at your... I ask to see your account all the time. Really? Yes. Okay. Okay, I'll show you next time. What the f... That's so weird. That is weird. I don't... Why aren't you doing it? She asked multiple times. I didn't hear it that way. Whoa. How would you possibly hear? Can I see your bank account? How would you hear that? Those words? Maybe not those exact words, but... See? I say, you know, like, what's going on with the account? Like, do we have enough money for this? And then he hears, oh, that's 50% of the value of money. I mean, I just... Like, I feel that, like, we don't go item by item. That's a lot of work. What? It is a lot of work. It's supposed to be. Especially at first, to get it all under control, under one roof. What the f... It's a lot of work. Do you not put a lot of work into things that are important? You have to. You have to put a lot of work into the marriage, a lot of work into your job, a lot of work into a degree, a lot of work into the household, a lot of work into finances. That's how things work. You have to put a lot of work into those ships. Right? I assume. I don't know. You're doing something. I don't know if you're bottoming in the showers or what, but... I don't know what they do in the Navy. Gross? It's gross. I told you they're homophobic. What did you say? That what did you... Bottom feeder? What did you say? Should gays get married? If they choose to. Do you support them getting married here in this country? Yeah. Yeah. What? Every country does things differently. I'm not going to go... You don't advocate for them to be able to get married everywhere? Should I? For freedom? I should advocate for them? No, I'm asking you to do. You don't. You do or you don't? I don't advocate for them to get married everywhere. Like you're saying right now? Like do I do it? Yeah. Are you down with making sure every country allows two gay guys or women to marry each other? I don't know. It's a good question. You're talking about me specifically? Well, I'm asking you. Sure. I mean, it's not my job to judge and it's something that if they... Cowardest answers. Cowardest answers. I'm just saying, Caleb, it's not... What I do with my life is different from other people's. You don't stand up for people. That's not true. Well, I'm asking you to stand up or stand down. I mean... You stand up or stand down? Some people don't even want to get married. If a gay person wants to get married in Pakistan, do you think they should be forced to allow it? Forced? Yeah, forced. No, sure. Why not? Freedom is... Okay. Well, not freedom of state. Freedom of people. Yeah. People should be able to do what they want to do. I just would recommend to just get married somewhere else. I should say something, by the way. All right. What do you guys think your financial household score is? Zero being the absolute worst, 10 being the absolute best? Two. Two. Okay. If you want your hammer financial score, take the assessment. It is free at CalebHammond.com. It just takes a few minutes. You get to see where you stand in the world of money, where you're doing great, where you're doing poorly, what you need to do to improve your life. And if you don't want to be like guests on this show, remember when they were doing that manual shit with every dollar, download the Dollwise Budgeting App at dollwise.com or just download it in the App Store. Take the free trial to see if you like it. And then most people do. And most people usually stick around it. If you want to stick around for 50% off, most people take the annual version. And you will get my budget meal plan. It splits out every single day in a detailed meal plan, how to make food and everything. I will sign that and mail it directly to you. Check that out, dollwise.com. Links in the description below. Let's get into these numbers. Alrighty, my friends. Who has navy, federal credit union, insane balance on a credit card? Who possibly has that? We both do. Who has $23,592? That's mine. You're saying it's all his fault? What are you talking about? That's horrendous. That's horrendous. It's my only credit card that has a balance. And it's horrendous. Well, too... One of them. What? It's horrible. What are you talking about? It's justifiable. How? In what possible potential way? How is that possible? I mean... How long do you think this takes to pay off? Minimum monthly payments? If you do not purchase anything, which I know you're incapable of, because you just purchased $260, but how long do you think it takes to pay off? No purchases, minimum monthly payments only. Maybe like 40 years? 33 years. 33 f***ing years. You're going to be in retirement. If I can retire. No, probably not. Because you're just purchasing. Interest is accruing $215. Just hitting the card in interest while you're purchasing $260. Basically maxed out. Yeah, it essentially is. Bro, this is absolute insanity. What do you think of this seeing this balance? This is disgusting. Did you know about this? I knew it was high. Yeah. Did you know it was that high? That's horrible. But you know, I'm not worried about you hiding what you're spending it on, because I actually don't know how I got this high. How did I get this high? What the f*** is wrong with you? I was... So before I moved to California... When was that? Like a few years ago. Like a year before we met. So years ago, go ahead and tell me why this is at $24,000 today. I was homeless for a few months. My mom is kind of homeless. For a few months and... Okay, so years ago, tell me why it's a $24,000 max out was spending on it today. My facial's in skincare. Okay, Frogan. Listen. But I mean, there are other things too. During when he was unemployed, I helped him out. We used some credit card at that point. That's true. When were you unemployed? After I graduated, so I graduated December 2023. Why is the max out today? Asshole? What the f***? I was paying for rent. I can't pay for... Oh. And I can't... You're not today though. On a credit card, are you? No, not on the credit card. Why would it be maxed out? It makes no sense. Bro, what's... I consolidated everything onto that. Vailed. Vailed? It's my clothes. Muslim clothes? Yeah. Yeah, I've never heard of it. Yeah, actually, it's pretty shocking. So sometimes I'll walk up, and she doesn't tell me, by the way, I'll walk up to the house and there'll be packages there. Of her jobs? Of all sorts of stuff. Dresses and everything. He jobs too. And then I... You know, I'm like, hey, baby, what is this? Yeah, I ordered this again. I... Is it okay? It's already here. I mean, you can return it. Return it. Yeah. No, I'm saying return it. I can't. What? I thought you just said I can return it. I'm at like... Did you just spend up to $400 a month on skincare? What is wrong with you? Caleb, it was a... It's not you literally just look your age. No. This isn't even doing anything. No, it's... I had like breakout. Like it was like full on acting. Yes, because you're morbidly obese. No. You eat horrendous food. It has nothing to do with my diet. What? Listen, here's the thing. I'm gonna be... I may have permission to be sexism for a second. Okay. This is a Western secular nation. You can't be sexist here. What? I can be sexist. It's just not based on a religion. Go ahead. I'm sexist based on myself. Don't take away his first amendment, right? Yeah, we like Western values here. We can say things. Listen, here's the thing. Every single morbidly obese man on the show, I just tell them and they're like, yeah, I'm a fat f***ing good because I eat too much. And then every time I talk about a woman's weight, she's like, no, it's not my diet. It's my f***ing... All this shit. It's my stress. It's my trauma. It's like, why is it only women that like, they mathematically the caloric thing and what they're eating doesn't lead to their skin? For women. But every man will just accept it. Like me, myself, and I. I know I'm a fat f***ing good because I eat. I don't want to break out and sit. It's because I'm f***ing eating f***ing McDonald's. You, it's just nothing is your fault. Why? Why? And why is it every fat woman on the show? The fat men just own it. They're disgusting. They're fat. They're nasty. Like myself, I own it. I probably got some f***ing sweat underneath my stomach roll in between my dick flap. I don't know. Whatever's going on down there. We can hardly see it these days. Am I right? Well, you can't see yours anyway because it doesn't exist. Yeah, well, not that. No. But listen, why can't you just accept it? Why didn't, what is happening in the women brain right now? It's not anti-women, but to be clear, every single woman on this show that is morbidly obese and is becoming a trend like the disability thing, but they're just, the women cannot acknowledge that it's calories. And eating. I mean, it is, yes, calories are important, but I genuinely don't have the time to like go to the gym or do anything to take care of myself. Okay. Yeah. But time, time doesn't indicate you have to eat f***ing fast food though. It really doesn't. You can be meal prepping quick food. Again, we're going to get you our meal prep, okay, and our cookbook and all that stuff. So I'm not saying you have time to go to the gym, which by the way, yes, you can fit in a 20 minute cardio workout a couple of times a week. Absolutely. You can't by the way, just at home or something, just f***ing jump rope. But even still just diet. You can't out work, you can't work out, out work out a bad diet. Regardless. That's true. That's true. So it doesn't even matter with that. You're just eating like sh*** and you're breaking out like sh***. You're eating like sh***. You're not eating more. Not eating more. Yes, not more. And now you spend $400 on skincare when we can't afford to f***ing live. It's important to me. I'm not saying it's not, but I don't think you need to be at $400. I mean, it did the job. I can show you a photo of like before and after. Just to- Okay, are the fries in the background? No. There's little french fries. Actually, that's part of the skincare routine, not to eat certain foods. Whoa, that's crazy. Almost like that's probably the primary issue. It's not. Hundreds and inches. Okay. So does that mean this is yours at $15,527? So almost as bad. What the f*** is wrong with you? Right? Is this, is that true? Yes, that's it. So I feel like it was a little racist to name you Muhammad. Who did that? Oh, you did. You're racist. They who is between that or McLovin. So- And you landed on McLovin. Yeah, I was between that and Muhammad. Well, I mean, that works. Okay, listen. Okay, so what's going on with your navy federal? That's, all right. Listen, I'm just going to cut to the chase with you, Caleb. All of my, all of that debt is from statutes and collectibles. And- So additional collectibles. What are these? Additions and watches. I'm not even wearing- Oh, it is your. I'm wearing a watch. What is it? This is a Hamilton khaki feeling. I thought it was like from Amazon. Hamilton is a good brand. How much is it? This one was my most inexpensive one. This one was, I think, $200 or $300. I have one that's $4,000, so. Oh, that's why her family thought you were gay. That's interesting information. What? Can't take it back now. It's because you're so well dressed. A man can't be well dressed? I didn't say it. My family did. Stone him. Wow. No. Well, you have more shoes than her, so they're really nice shoes. Guys, all right? But the fact that you have more, like I bought him a whole like shoe organizer so that he could put all of his shoes in the closet. It's pretty awesome. Thank you for that. No, I'm pro. I'm pro. Look good, dude. I'm pro. But it's just like- Look, it's- Hey, maybe you just got a home with a whole family. Look, if I- Look, they're from the Midwest, so I don't know. I don't know what that means. I'm just saying like it could be, you know, the people who- But listen, West is- Chicago, the Midwest is Iowa. That means nothing. But hear it this way. Okay. Okay, I'm listening. The watches. Yeah, this is $15,000 of watches, shoes, and statues. Hear it that way, asshole. 29 years to pay off your watches, shoes, and statues. Asshole. $232 and six cents a month in interest is being accrued on watches, statues, figurines, shoes, asshole. Huh, curious. I never looked at it that way. That's why I brought you here. $385 and six cents a month in minimum-themed payments for 29 years on not any future statues or shoes, or the ones you already got. In storage. They're all in storage? Even the shoes and stuff? No, no, no, no, not the shoes. Just all the statues and collectibles and stuff. Yeah, here, here, check out my shoes. Yeah. Hey, look at shoes. I mean, I don't know. How many do you need? Buddy, 3,000 hours of interest accrued just in a year with 18% interest rate. It's not even, as far as credit cards go, it's below the median in this country at 20% for households. And yet it's still $3,000. Dang. Why do you guys not follow the debt rule, though? I'm sorry, I know I was kind of memeing on it early, but actually question, genuine curiosity, why do you not follow the debt rule? Because it is an actual rule. What's the debt rule? You shouldn't have debt in Islam. Oh, yes. Well, that's, it's tough. When you want something. What? That's like saying the same thing for any other rule. Let's pull from the Christian one for a second. It's like, oh man, this is tough not to murder. So I guess it's okay. Like what? Just because it's tough means you don't have to follow it? Didn't say I don't have to follow it. I am sinning right now by doing that, yes. But why don't you continue actively? Lindsay, you're in here right now and you're in the post show says she's never met a straight man that wears your go-to shoe brand, Alan Edmonds. Nice. Colton the gay? Colton, you want to leave your fiance? Stop it. I'm sorry, baby. I'm leaving you. He kind of looks like a more bearded older version of your fiance. They're just both brown. That's all I got. I don't know. Okay. I'm classified as white here. It's weird. In this country, yes. I'm Middle Eastern, North African, European ancestry, considered. What country is your family from? Iraq. Oh, yeah. They call that white? It's curious. Okay, USAA, I think this is, no, this is another credit card. Whose credit card is an additional USAA of $7,629? That's mine. What the f**k is going on here, man? It was statues. More statues? Mm-hmm, more statues. Okay, so these numbers, you know these numbers so far? Most of them, yeah. 26 years for this one. Well, interest is accruing like crazy. What's the most expensive statue you've purchased? $4,000. $4,000 for you, Steve? Yeah, the predator one. It's one-third scale. It's three feet tall. It looks incredible. It was three feet tall. I thought it was like human height. That'd be cool. No, no, it's one-third scale. What's the f**k point then, dude? Bro, okay. So she told Colton that she wants you to write a will. Yeah, I don't know. Which sounds insane to Colton. I don't know what's going on with that, but apparently that's a topic. Yeah, no, she wants to off me. I do not want to off you. I just want you to have a will. Well, as a married couple, you should probably have a will. A will. Right? It's not like he has anything to pass on. You care about his debt and statue? Yeah, well, she would have to essentially settle those. Yeah. Burny assets. Well, the car is in your name. Yeah, in the house eventually. So, well, that's going to be in our name. So, you know, so. Well, we have to get an offer first. Or even an offer accepted. Yeah. Okay. I mean, another 1,500 inches of crude, and that's another at 18%. Military star. I'm going to assume this is you. You have an additional $5,827 in the credit card. That was for watches. Dude, you're just brutal. You're just endlessly going into credit card debt for your entire life. Like what the f***? Like this. It's not just hard. You're not doing it. You're just endlessly doing it. You don't even think. Minimum to payment on this is $124.45. I didn't get the previous minimum to payment. On the last Navy Federal, the minimum to payment was $195. I mean, these are stacking up. How can you afford a mortgage? These are already stacking up over a thousand. We're over a thousand already. Well, about 10% of our f***ing net income. I'm learning to come in with the payment. It's not even close to the finish. Like I said, we could afford about $2,500 for rent. And now I got the 80%, $2,500 extra. So now we can afford a $5,000. You're only going further into debt. How can you say you're affording if you're going further into debt? That's not affording. Your lifestyle is taking you further into debt. You're not affording. You don't know what you're talking about. What is afford? Never heard of the word afford in your life. What are you on about? You can't tell me you're a f***ing f***ing affording. What do you mean? I mean, we have extra money. So, and we didn't have it before. Why are you going into debt if you have extra money? You're in the disability. You're just going to spend more. Okay, so this was watches. So not any future watches. You still owe about $6,000 on past watches. $124.45 a month on past watches. $66.84 a month in interest accruing on past watches. I paid no tax on them. Do you know about this one? Yes, I did. What's your thoughts on all this? You married into this. You will have to settle this if you want any of the assets. $888 of interest accrued at a 13.99% interest rate. The interest rate is even compared to many on financial audit. Actually, it's not the worst, but it's still horrendous. And you're just losing so much money still, even with those more favorable interest rates. That's how far. And you don't care? No, I do care. What are you going to do about it? What have you said? Well, that's also another disagreement that we have in terms of how... So, like, I like to use the snowball. What do you mean you like to use the snowball? You were spending on your credit card. You look more like a snowball than you actually enact. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make game resubs at home for just 40 cents of serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is game resubs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Kaleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar-wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to s*** infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars in hiring dozens of people, we've completely rebuilt dollar-wise, and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the s***y version last year. But these deals only last through March 31st, and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33% discount for three months, or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plans signed by me as well, both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. And if you're feeling extra sexy, become one of the founder 500 purchasers to get my founder box featuring a bunch of goodies, plus lifetime access to the premium version of dollar-wise. Don't miss this opportunity of a lifetime. Download dollar-wise to start your free trial. Go to dollarwise.com or click those links below. Anyways, he prefers the avalanche method. You aren't doing either! What are we talking about here? Why is that? How is that even in the conversation? That's what you guys disagree on? You're not doing either of them. You're spending on the credit cards. Moron. What the fuck are we talking about? Disagreeing between avalanche and snowball. You know, I don't even care. They finished it about the same time anyway. Avalanche a little quicker, but snowball more consistent, because you see the wins early. But that doesn't matter. That's not even the conversation. You guys are spending on your cards. You're not doing either. No, no. What are you talking about? I mean, we're trying to put right now the extra towards... No, you're not. You're spending on it. You're not snowballing. You're not avalanching. You're not doing either of them. You guys are doing the IED method. Nice. Very nice. Puh-puh-pow! Puh-puh-puh! Can't stop me today. I want to roll. Nice. Do you know what they call a Shirley Temple in Iraq? A Shirley Mosque. Oh. Oh. It took me a while to come up with that one. We've got to reconquer that one again. We've got to take them out again. That's the shit that's coming out of that country. Get back in there, boys. Okay. Okay, so Navy Federal, we have something for 18%. I think... How much is that? It looks like a consumer loan, personal loan. Yeah. Who? No, because we each have one. Okay, great. $13,122. I think that one's mine. What the fuck are you doing? Let me guess. That was to consolidate other credit card that I used to buy statues. What is wrong with you? How are you okay with this? Why did you marry into this? Well, how much aware of this were you? I wasn't aware of it until like a few months in our relationship. Our relationship? Yes, but not marriage. Why'd you want to marry into this? It's horrible. Because I love him. Yes, I love... Yeah, sure. We're not going to marry into each other. That's great. But figure the shit out and then get married. Well, I mean, like I'm just a very optimistic person. What's one of the leading causes for divorces in this country? You know you guys technically... Finding answers? No, we are. We are. Oh, are you? Yeah. Oh, I just assumed that one. I didn't look that one up. Wait, what is the leading kind of... Well, one of the leading causes. Finance. Finance. Oh, okay. Yeah. So $760 minimum monthly payment. Add that on top of what we're trying to do here. No, you're not making it. It's an 18% interest rate. So this must be yours then, the $8,684. Yes. What is this for? Celeste. That was also to consolidate. And then you guys rack them all right back up again. As usual, then doubling the debt. You guys did not change your behavior, which means you do not get to take out personal loans, open new credit cards, do a transfer, do bankruptcy, because then you end up right back here again, if not worse. I'll let you use the mine card. It used to be the Fizz card. It's the debit card that builds credit. Only lets you use what's in your checking account. That's the way to do it. I'll also get you a course career certification so you can hopefully find a better job, get a better income. A lot of people in the audience have improved their income dramatically with the course career certification. This is just so stupid. You guys are just f***ing it all in everywhere whatsoever. Okay, another Navy federal who has a personal loan of $7,901. I think that's mine. Oh no, the last one was for your car. Apparently, I'm being told. Yeah, so I have a personal loan through Navy federal. And that was the previous one. Yeah, and then I also have one. I paid off my ... So it wasn't Celesa, it wasn't her consolidation. It was Muhammad's car. So I ... Your personal loan for the car of $8,684 for a car that's valued at $6,600. Yeah, now, when I took out that collateral ... Yeah, now! Now, when I took the collateral alone out using my car as collateral, it was ... I didn't give a f*** about that. It's worth less than you owe now. What? I'm going to give a f*** about that now. Yeah, I took it out to pay off more to consolidate credit card debt. Of course you did. This is so f***ing stupid. What even is the car? It's a Honda Accord. Is that what you said? Yeah, it's a Honda Accord. I don't know. I don't know if I heard it or not. Okay, that means this is your personal loan for your consolidation. Yeah. This is such a mess. Okay, this is $7,901.15 with a minimum monthly payment of $862.97. But so f***ing stupid. At a 16.35% interest rate. I'm like, what is this even doing? What is this even helping? Oh yeah, yeah, what a f***ing mess. Love Sack. Not the f***ing seat place, the f***ing beanie seats. Yeah, it's great. I love my Love Sack. It's the best couch ever. You look like a Love Sack. Dressed like one too. Okay, so what did you get? We got a, what is it, four seats? Yeah. With one has like a storage. A storage. It's a couch. It's a couch. It's a couch. Okay. It's a transformer couch. We love the transformer couch. Okay, $67 a month and you owe a total of $1,901.99 on this transgender couch. Okay, 19 years to pay this off. That's wonderful. I'm deferred interest $1,808. Oh, shit. But that's not until November. Yeah, we're going to pay it off before that. We're going to pay it off. Yeah, sure. Uh-huh. I believe it. Now with the payments you guys are making, $100 a month is what you're doing. No, you're not f***ing you. You don't have extra money. Good luck. You're going to get a more expensive mortgage. Yeah, that's nice and comforting in your brain to say, I'm going to. No, you're not f***ing off. In no way are you. I don't want to hear it. We're going to. You need to. We need to. You're not going to get an option, but you haven't put in the behavior to do it. You're only putting $100 towards it a month. Well, that's because we prioritize other things first. Well, you guys can't agree on how you prioritize. I have a lanched snowball. But it's, it would be $250 a month before it would hit. So if that's true, about eight months to do it. Yeah. Well, $240. Yeah. Okay. Okay. And you better f***ing, but you're not. You've made $100. You made $100. And you had a late fee on this. So it's just like. You're paying it off before it hits. No, you're not. You don't know what paid off is. You've never heard of paid off in your life. A late fee on this love set? Yeah. It was because it was, it was only a day later, but. Do it. Do it. Fulfill your destiny. You know what you need to do. Wow. Fulfill the stereotype. No. No, it was just one time. It will never happen again because we're going to pay it off. Are we fine? It's fine, Caleb. It's fine. It's fine. We're going to be fine. Dude, the first interest that is already accrued is $1,800. It's going to be like 3,000 hours by then. That's our priority then. We're going to pay it off. Yes, it is, but guess what? You're not paying off anything quicker anyway. It's just like nothing makes sense. You're putting money on debt. I don't think, what do you mean this is your priority? Your priority is currently spending and putting in an office for a house that is going to quadruple your minimum of payment on living. F*** you priority. You don't. That does not align with anything we've seen in this conversation. You can't just say that. You can't just say that. It's so stupid. We will do it. Upgrade. Upgrade? No, no, no. That's just an upgrade feature. What is this? That looks like a firm. What are you affirming? You didn't even know? No. You didn't even know a firm exists. Great. Those look like the comedy shows. Yeah, we went- Borrowed money for the comedy show? What the f*** are you affirming comedy? It was for your birthday. Yeah, but you're affirming it, asshole. I get overwhelmed with big, large payments. That means you can't afford it. No. No? No. No. No. It's- Life is short, Caleb. Oh, shut the f*** up. $419.21. With a minimum of three payments of 58, the f***. Is it gonna take forever? What the f*** are we doing? There must be more things on it. Oh, there's multiple stub hubs. Yeah. She f***s it. Oh, yeah, stub hubs, stub hub, market hub. What the f*** are we doing? What the f*** are we doing? Etsy! She's Etsy! Oh, that was for the ring for his birthday. I returned it, though. Because he didn't like it? No, he loved it, except that it had a great use. So you took away someone's birthday present? Yeah, it was his birthday present. I just didn't like it. I'm sorry. I thought you said you- you told me you liked it. I liked it. I just didn't know what- I didn't want- Well, yeah, that makes sense, but you said you liked it. Didn't like what? It had like a certain engraving on it that I didn't care too much for. Oh, Caleb, I have to answer this. No, you don't. We're f***ing filming. No, this is my realtor. All right, take your call. Oh, for f***'s sake, your realtor. No. Can you call her back? Maybe we'll call her back in the post show and hear what that's about. Okay. Can we do that? Okay. We'll call her realtor in the post show. I swear, better not be an offer- offer-expect, and I'm gonna f***, I'm gonna kill you. I'm gonna kill you, so I'm gonna f***ing kill you. The minimums to pay me is probably 105. Oh, Costco! Who has the Costco card? That's mine. Okay, you're becoming the problem. It's really certain that it's stacked towards your direction. $402.05. Purchasing, minimums to payment $41. Oh, I thought it was gonna be more groceries. It's T-Mugs, Teriaki House, there's Costco, Arco, Harvest International, Honey Bee Family, FryMix, Salty Lemonade, something of the markets! The farmer markets are life. I like going to the farmer's market. Good! I like you being able to f***ing pay off your debt, asshole. You're spending money on debt. You're making debt go up. There is no avalanche of snowball. It ain't a thing! Oh, guys, I'm sorry. What the f*** are you gonna do? You're considering getting- She might tell us an offer's accepted in the post-show? I'm gonna f*** die. You're gonna need to back the f*** out. You can't afford the shit, you're only going further into debt. Oh, okay. Okay, actually the last one was Klarna. This one's a firm. Oh. West and Gold aesthetics, West and Gold aesthetics, West and Gold aesthetics. What are we doing? Dude, she's spending like f***ing insane. That was- Those are my f***ing shits. You know what happens when you walk away from a conversation? You have no idea what the f*** is going on. You need to hold her accountable. Not in the traditional way, in like the American way. With good conversations and budgeting. Okay. Not the 1950s American way either. Dang. That's less of a slap more of a fist. Oh my God. They're- they're from my facials. Your skin does look great. Thank you. It looks okay. What? It's a little greasy, just like mine. And you look your age. Like that's it. I told you, I- you gotta see the before pics. I don't give a shit. You just look your age, it's fine. Yeah, that's gotta slow down. Huh? That's- that's the facial, it's gotta slow- this gotta- Are you retinauling? No, I'm saying- Yeah. Okay, that's good. Slow down. Sound screen every day? Okay, you're doing the two things that actually matter then. That are my choice. Most of the shit is like, honestly, just like fake science. Hmm. Well, a lot of it just has so many conflicting blah, blah, blahs. And every esthetician has their own opinions and it's- It's his esthetician. I introduced you to her. Yeah, that's true. She does my eyebrows. Remember when we paid on this? And so I'd be like, 80 bucks. Okay, I just gotta keep going, man. Amazon. Who? That's not mine. Amazon? Okay. Yeah, that's mine. Finally, back to Muhammad. Here we go with- Well, again, he doesn't seem to be the issue. $193. I mean, it's not good. Yeah, it's some 40 movies. That's all. Okay, die. $35. You're meant with the payment. That's stupid. Amazon, Amazon. I thought you paid that all. Hmm? I thought you paid that all. It was $193. Maybe he did before. I saw some movies during Black Friday. Oh, wait, this is a Honda. Oh, wait, is this another one on this? On the same car? No, it's a different car. Different car. Another Honda, big Honda fans. Huge, minute payment. So this is your car? Yeah. What is it? It's a CRV. It's a 2026 CRV. Why do you get that at $1,000 a month that you make? $1,700. What the f***? You have a literal $773. $3,000 minute payment even though you make $1,700 a month. What is wrong with you? What is with Americans? You know, speaking of cultures and how Western culture is the superior culture in this world, so far, we have failed at this. Endless highway building and endless car dependency and then you think you need a new car that is half your income. What the f*** is wrong with you? A $40,000 balance, $539 as well. What's the value? What's the value? This is crazy. It's only worth $34. It's only worth $34. A 2026 CRV? $34. We clocked it. I'm being told you thought you haggled on it like a classic Middle Eastern. And usually you think you're the best hagglers. Usually it's like watches in the mall, but I got it for pretty good. Well, no. It's worth $34. What's the interest rate on this? $4.99. He pays on that one. Not me. I don't pay that one. We. Oh, right. We pay on that one. We pay on that one. We pay on that one. We pay on that one. We pay on that one. We. Oh, right. I think you got haggled. Like, oh, sorry, I have such a good deal for you. Brother, this is such a good deal. I promise. Just take this, sir. Sign right now. It's so good. I got it brand new. Yeah, that's usually not good. Really? Yeah. It's the quickest. Appreciate it. Okay. Wait, is there a seven spark as well? No, it's a sonic. That's the one that broke down. Old car? Yeah. Engine seized up. So I had to get her a new car. Okay. Well, what is this? How do you record loan 8,000? Oh, okay. So this is a separate loan. You have a thousand six hundred still owed on this broken car. Yeah. Yeah. We got to get the title before we can sell it. Yeah. Yeah. If you weren't spending on so much bullshit, you'd just pay us off immediately. $409 and 10 cents a month. This is. Okay. So this is Mohammed's, right? No, that's my old car. Oh, and it's worth. Well, 1500. So just about. Well, it's broken. So it probably is not worth anything. Who has student loans? We both have student loans. Who's a, who's advantage? He is. Advantage. Okay. Well, West chunky. What was your degree? So those student loans actually came from a previous degree. Yeah. You went to film school, film and television production. And then. I like, we're both into that nerd shit. We'd probably be good friends outside of financial audit. But buddy, the way you're doing it is. Insane. Yeah. It's insane. Did you ever do anything with that degree? No, exactly. No. I went back to school after the Navy. You sure did. Oh, for fuck sake. Like 6.8%. So minimum to payment 406.39 right now. And then yours is 56,000. It's actually 66. That's. It's gone up. It's gone up. Oh my. Cause you're continuing to borrow. For school. That's right. Sick. Yeah. I'm in my second semester. Oh, you're going to be there forever. So my second degree. We'll start third. Go get a job dumbass. Okay. I'm so fucking done here. There's $5.26 in savings. Checking account down from 2,600 to 1,800. This is joint. This federal joint. Okay. Borrow's and fries Disney plus. Momentos. Momentos. Momentos. Restaurant. Oh, maybe that's parking. I don't know. Barnes and Noble. Hannah Sushi. Barnes and Noble. Chuckle membership. Children. International children. $30. Oh, I donate to. Donate to your own child by paying off your debt, dude. And then give more. Jack in the box. Vending machine. Go in and say getting some bullshit. Man. Where's like the halal food? I love that shit. That shit is so good. It's his. You got nothing. You got to come out to San Diego, man. Dude, I'd love it. Is that where all the. Well, you got to go to Michigan. No, that's where all the. That's where all your people are. Yeah. When my family came here, they went to Michigan first, but it was too cold. So then he went to the. It is too cold. But man, let me tell you the Middle Eastern food there is crazy. I can't find any of it down here. It kind of sucks. I saw it there for Mexican food, but that's okay. In Texas barbecue. So I'll accept it. Apple bill. Chuck filet. Robert V. Battery. Chuckie cheese. We have a. Amazon. Oh, here we go. Alphanar restaurant. That sounds a very. That is a really good Syrian place. Oh, Syrian. Yeah. Okay. Best beef kebab I've ever had. We love it. We love it. That's very good. They currently don't have a government, but at least they can still make food. Taco Bell. Primo water, Primo water. That's what we do here. I don't know why you guys need to do it at your own homes is what we do it. We do it at home. We do it at home. We do it at home. We do it at home. We do it at home. We do it at home. We do it at home. We do it at home.哎哎哎哎哎哎哎哎哎哎哎哎 Chattanooga, Janice Burger, Mementos again, Bullshit, Thomas Sushi. They have really good chilaquiles. So good. What the fuck did you call me? No, I said they have really good chilaquiles. It's a dish. It's a Mexican dish. It's a Mexican dish. Why'd you say it like a Mexican? Are you Mexican? What are you? I'm Filipino and white. Damn girl, you got colonized. Famous footwear, Venmo, fashion value, ayurusa.org, grove.com. I don't even know what these things are. It was a movie. Bullshit. It keeps going, Barnes & Noble. It really like Barnes & Noble. Okay, go to the library. Spot free rent, spot free rent, spot free rent, spot free rent, doesn't sound free to me. There's a lot of money there. Dilly's ice cream, Chuck E. Cheese, Bullshit, Public Square, Mementos, Bullshit, Amazon, Mira, Mesa, Lanes, more Amazon, Amazon, Amazon, Amazon, Jack in the Box, Netflix, Harvest International, Rose Donuts, Barnes & Noble, Venmo No Money, you're equal spenders, you're not snowballing, you're not payoffs. Hey guys, where's our savings in investing? This is it, 5,400? That's all we got? Where's you? I don't have any. Dude, you're 40. You're boomer. That's why I... I don't. You're boomer and you got nothing. Am I a boomer? I'm not a boomer. To me. Let's try to make this budget. I can't wait to hear what this realtor says. I hope it's that your offer was not accepted because please, it can't be. It just can't be, guys. Oh yeah, yeah, guys, this is horrendous, these minimum-treat payments. Good luck. Put an extra dollar, each one. At each one? Yeah, it'll go down fast. That does not make that much difference. All right, our minimum-treat payments is literally $5,127.10. What the f- Your rent's 25, you said? Yes, 2250. Okay, what about utilities, internet, all combined? Let's say like 190. Oh, that sounds bad. Okay, gas, room, drive, drive, how much? 250? For each of us, yeah. Together? Yeah. No, no, no, like 250. 250? No. Yeah, well. Your work is like five minutes down the street. Oh yeah, yeah, yeah, yeah, yeah. So maybe like 150 for me. So 250 total? We'll do 350. Car insurances? Oh, did that go down? Well, no, it went up because of the- How much? The RV. Hold on, hold on. I think it's 1365 for six months. So what is that, every month? 1365? Yeah. Okay. Good. 227 dollars and 50 cents. Yeah, that sounds right. I have to speed up, because I have to go on Fox News where they hate people that look like you. Now phone bill, how much? 250. Food, 750. Should be fine. Mail plan, use our resources. If you find anything else you guys need to survive, 200. That's your facials, that all fits in that. It's a total paper. We can deal those, whatever you need. Medical healthcare, monthly basis. 25 dollars a month for me. And co-pays are probably like, we'll say 30, so 55. Okay, 55. Subscriptions, I'll try to do 50 bucks. Do you have any pets? Yes, one. We have a cat. One cat. Okay, I know you guys are anti-dog, right? We are not anti-dog. Really? Someone in New York City was just- I love the fact that they're just dogs. Okay. Yes, ask them. Okay, well, 50 bucks for pet insurance. Pet food, how much? 30, I would say like 15 bucks a month. Okay, anything else that needs to be in this budget? No, I think that's it. All right, needed to survive. Yeah, how do I get a fucking, yeah, increased payment? Good the fuck, luck. Just needed to survive on a monthly basis. When paying off that debt before that back deferred interest it's 9,471 dollars and 60 cents. Your total income is 11,099 dollars. Guys, you're renting. Stay renting. This call, I am honestly nervous to hear, but you essentially have 1,500 left on a monthly basis. I mean, it's pretty much it. Even with that, all this debt, we'll get rid of the student loans, but you guys have a total of 235,266 dollars and two cents a debt. Just crazy, but let's minus the 56,006 dollars and 84 cents. And then let's minus the additional 56,263 dollars and 91 cents, because you'll have minimum payment, your student loans until they're paid off. That brings bad debt to 122,995 dollars and 27 cents. Horrendous, disgusting, my life. I mean, that's horrible. With your 1,500 left on a monthly basis with no fund spending, it still takes 81 months to pay off. I might be considering, nah, no, you don't need to do bankruptcy. You need to go make more money, bring in an extra few thousand dollars and you'll pay off this debt quicker. Right now at six years, I think you can pay it off in three and then you guys can get a house. But you have to go get a job now. He's already working, he's doing fine. You need to go double your income. I don't think you need to go get this other degree. Go bring in money, pay off the debt, get it the other degree later. Double your income now. And you can pay off the debt quicker. All right, we need to call the realtor back and I have to go, because this episode went very long, but let's get the paper financial score and then join us in the post show. Spending in a budget. Well, he's overspending, zero out of 10. Debt, no collections. This is basic, we just saw the numbers. This is basically horrendous, one out of 10. Emergency fund, zero out of 10, wasn't a full thousand retirement. Horrible for our age, it was about a one out of 10. Real estate, zero out of 10. Really bad guys, really bad. Hammer financial score, .5 out of 10, rounded up. Get yours at Calebhammer.com. Now click that join button, join Hammer Elite for three premium shows, posted every single day Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, join us for the post show, see you there. You have a stocking? I just, I have some really big news for you guys. Okay, yeah. Guess what? You guys closed, congratulations on your new home. How much? Okay, I'm so done. Don't forget to download the new dollar wise budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and meal directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download dollar wise to start your free trial. Go to dollarwise.com or click the link below.