Financial Audit's Most Abusive Mother

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Yeah, how'd you meet this guy? He is my ex's brother. I'm a big boy. Me and current boyfriend started messing around with each other. Wife found out about it. Ah! Ah! And we became a threple. Oh! Home wrecker skate slide for, I mean, I'm sorry. You're everything. Well, I disagree. How am I supposed to get you in a position to take care of the child with these finances? Well, I don't even know who you're going to be with next week, breeding. What are you blowing? What are you blowing him? You know what people do while they're pregnant? A little nicotine is fine. That is just not how the world works. It really doesn't. Yeah, but I have good luck. Eh! Eh! Download the dollar-wise budgeting app today and get a three-day free trial. That's enough time for the automatic connections to give you the insights you need to change your financial life. Tens of thousands of other people are changing their lives right now. And you can too with dollar-wise. So take the free trial. And if you like it, sign up for the annual version to save a ton of money and get my detailed 30-day meal plans signed by me and mailed directly to you. Download now, dollarwise.com, or link in the description below. Hi, I'm Sarah. I'm 23 from Akron, Ohio, and this is Financial Audit. OK, as I always say to the audience, I go in blind. And when you know I say that, you know we're in for a wild ride. I looked over, read what the hook this episode is, as you were introducing yourself and my stomach dropped. Got pregnant two weeks after rehab. Yes. What the f*** are we talking about here? How pregnant are you, lady? 27 weeks today. Oh, I do see the bump, actually. I do. Have a little one. Wait, hold on. Wait, hold on. How many weeks is it? And how many weeks are not? How long? Where are you? You're going weeks. I'm going to f*** go months. Be a month person. Six months? Oh, sh**. Oh, this thing's coming. Yeah, do the end of May. Oh, sh**. OK, for f*** sake. So we're doing. So you immediately just got a metaphor for rehab? I was busy. The whole thing with rehab is like you don't date right out of rehab. What the f*** are you getting knocked up? Now we have to intertwine all this finances with getting knocked up out of rehab. OK. Yeah, I was busy. Do you not have any kids? If you're getting knocked up right out of rehab. Yeah, I have a six-year-old. If you're 23. 16, 17? I got pregnant at 16. I had him at 17. What are we? OK, you're like every single... Oh, f***, this is going to be insulting. Failure I know in high school. Actually, I don't know your finances yet, but if you're on the show, they're pretty much horrible. Everyone I knew that doesn't do well by the time I turned 31 got pregnant in high school, did you graduate? I did. Oh, OK, well, that's good. And then you went to rehab, so I don't think things have gone the best in your life. OK, so were these with the same guy? Is the guy in the picture? What are we doing here? My son has a dad. It's not his biological dad, but he has a dad. What happened to the biological one? The one that, you know, high school, 16. How old was he? He was only like six months older than me. OK. He, well, I found out he was doing... Before I found out I was pregnant. OK, rehab queen. And then I broke up with him. This was before I started doing this. Oh, good. That's good. Mother of children. OK, so you found out he was on the crystal life, the life of the crystal palace. So I broke up with him and then found out I was pregnant. Oh, you found out you were pregnant after getting crystal nut in you? Oh, shit. OK. He's a great kid, though. I don't think he was affected by it. Uh-huh. Well, I hope not. What the f***? So you just got out of rehab six months ago then? Yeah. And what penis did this one create? My current boyfriend. It's a current boyfriend? Yes. It's a boyfriend that is current? Yes. That you are currently with? Yes. How long have you been with this man? It'll be a year in May. So not long. We might call him in, actually, I'm being told. I guess he couldn't travel here, but maybe he'll call in. OK, so that's the father of this child? Would you call the father? OK, so yeah, but only a year in. Was this, how intentional was this? Well, we knew what we were doing. You knew what you were doing, whatever happened to Conn, it was whatever happened to birth control. What are we doing every time on the show? So you didn't give a f***? Can you take care of the six-year-old? I would doubt it if you're on this show. Come on. Realistically, right now? Uh-huh. No. Uh-huh. His dad is taking care of him. The m*** dad. No, no. Is that? I met a guy a year after my son was born, and he is an amazing guy. He's been in. There's three men in this picture. The f***, I mean. There's fake dad 1.0, and then there's new dad 2.0. Yeah. The biological dad now is. But you're not with dad 1.0, who is actually dad 2.0, when you're actually dating dad 3.0 now, I should say. Yeah. OK, so 1.0. Good guy, but actually 2.0. He's never been in the picture. I don't know how he is. He could be dead for all I know. Well, you could be getting a chance of horrors. It would be nice. OK, so the father is your ex-second. The father of my six-year-old? What you call father? The biological father. No, you were just calling the f***. What do you call him? Dad? Number two. My son's father. The one that has raised his... He got plaque in your teeth. It's just my teeth. No, you got plaque in your teeth. OK. Your most recent ex is the dad, but not father. Well, why is he? How in the picture is he? He's very in the picture. But you're not with him, nor is he the actual... No, he got put on the birth certificate because he's been a part of my son's life since he was one. He's the only dad that he knows. OK, so does he get custody? He hasn't legally adopted him yet, so... That's why I was going down that road, because it's confusing. We share with him. Yeah, but not legally. No, it's not... Yeah, we have our own agreement. And if it wasn't for him, you'd be not being able to take care of this. And then yet you get pregnant again right after you got out of rehab for what? OK. Why? Why are you doing the little snorts? Whoo! Why are you snorting? When did you get into the snorting? April 2025. I don't know for f- sake, that was last year. That was last year. It started with Adderall, and then... It usually does. I couldn't find any that wasn't fake, so switched over to... You just found... Well, I knew that the dealer also had... And then what? You were just doing f- multiple times a day? Up to three grams a day sometimes. Is this a lot? Oh, Brandon gave me a shocked face. Yeah, it got really bad. On the low end, it was like grandma day. High end, three. It's a lot. This isn't my thing. OK, that's a ton of f-ing I've been told. Doing one grandma day is doing a lot. So how the f- did you ramp up to that? Mother of children. Your child. What did the ex, who is the dad, kind of legally think about the person who is sharing custody with just snorting hounds of b-? Well, he honestly, he said as long as my son is safe, then he doesn't care what I do, but... That's f-ing. Yeah, it is. OK. Because me being sober means my son being safe. Huh? Me being sober means my son being safe. Well, I would agree. But, yeah, he's... How could you afford that? I'm being told by the expert in the room, Brandon, that an eight ball is 3.5 grams and 250 dollars street value. Uh, yeah, like one gram was like $50. How are you affording this shit? If you're doing three a day, what the f- are we talking about? I was spending all of my money or pulling out cash advances. Is that why we're doing this? Is this my first episode? Probably. OK, so the current boyfriend sticking it in, not pulling out, not using birth control. Because why not? We can't even take care of one kid. We just got out of rehab. Let's go ahead and create another one because he's the most responsible mother in the entire world. He has two more kids. Oh, my f-ing. What is wrong with you? Where? Akron. Is Akron even white trash? But you're fully living it. No, you're just living it. Why do you want to... What are you doing? I don't understand this. I mean, I'm sorry. I'm shaming you right now. But I'm going to shame you right now because you need to be shamed. Because you're just going to keep breeding. What the f-ing are you doing? I'm not going to keep breeding. Absolutely. I'm done after this. That's not how this works. Did you get a hysterectomy? I can't get a hysterectomy. I'm pregnant. How am I going to do that? Well, that's a good point. Are you getting a hysterectomy? No. Then you don't know if you're done. No, but he's going to get fixed. Huh? He'll get fixed. Yeah, until you find another one. You're running through these people. I'll find another man? Girl, you're 23. Yeah, you're 23. You're knocked up your second time. The guy you're currently with has two. The first one was... You were just in rehab doing a drug where people f-ing gone, by the way. And then you just had this other guy. You, yes, you run through people. You've only been with this guy for a year. You're not married. Are you married? No. OK. Then, yes, absolutely with your tendency. I don't run through people. What are you talking about? You just got knocked up a 16. Two weeks after rehab, you're just taking it and then popping on a kid. I was 16. How many years ago? Have you done f-ing sense? No, I'm 208 days sober. Well, that's good, because you have a child in you. Yes. A child in you. Yes, I do. You better f-ing not. Is that even an option? No, it's not. How'd you meet this guy? Because it was two weeks after rehab. What do we f-ing... Yeah, how'd you meet this guy? He is my ex's brother. What is wrong with you? What is actually wrong with you? I am shaming you. I'm continuing to shame you and you deserve to be shamed. What the f-ing... What do we do? Which ex? My current boyfriend. The good ex? No, no, no. My current... Which ex? What do you mean, which ex? Which ex? I just asked what I just asked you as an ex. I don't have any kids with him. If that's what you mean. Oh my f-ing. You're so stupid. You said he was your ex's brother. And I asked which ex and you said my boyfriend. Did I say ex's brother? I met my current boyfriend's brother. Huh? He's my current boyfriend's brother. OK, I need a whiteboard. I need a whiteboard. I think I just... I don't think you understand what the f-ing... I just messed up. OK, no, you are... No, you are... I'm objectively not. Look at what I've accomplished. I have good things. I'm not... I have good things to do. Actually, no, I am... What am I saying? I'm definitely f-ing... But you are... Thank you. I'm sorry, you're... Come on. You're getting knocked up endlessly. OK, draw the f-ing love... OK. So... Octagon, I guess, in your case. I was with... It was me... Plus ex. Ex has... Ex what? There's so many ex's. My most recent ex. OK, OK, OK, OK, OK, OK. So, it's called the ex-two, because that's the second ex, right? Because there is ex-math, ex-one. OK. We'll call him ex-two then. OK, this is the guy that is the dad, but not biologically of your... No. What? No, this guy... I got pregnant at 16. That was a long time ago. Yes. Which one is that? This guy... I only met... September of 2024. This guy is the bi... Non-biological... No, he's not... Nakaakaakaakaakaaka! This guy is the non-biological person that you called dad of the kid, right? No. Oh, my f-ing... Oh, my f-ing... OK, OK, who the f-ing is he? Who the f-ing is he then? He is my current boyfriend's brother. I dated him before I got with my boyfriend. Ever when I said you run through or get ran through? I run through them. I don't get ran through. Exactly. Exactly. Good enough. And you're getting knocked up left and right. How many abortions have you had? None of your business. Uh-huh. Exactly. That's what I'm saying. I've had one. And I'm not shaming you for it. I've had one. Oh, OK. Well, I guess it was my business. I just don't want... I just don't want people thinking I've had five abortions. Dude, I... That's not what this is about. What's about is, like I just said, you're 23. You are not done breeding. I am. No, you're not! You said you know. What abortion did one after immediate rehab? And then number three is 16? Is 16 with Methi? With Methi the man? Yes, 23. I don't care if this dude gets snipped, you're going to find another dude. It's going to be the third brother if there's one. Do they have a third brother? And then a third child or second abortion will be on the way. No, I think you got it wrong. Really? My math is checking on so far. Do you want me to finish the whiteboard? Please, this still makes sense. OK. But that's X3, right? OK, I guess we'll call him X3. Because that is not the... Because that... X1 is... X2. Biodad. Yeah. He's the biodad. X2 is son's dad. Fake. Well, OK, I'll put quotes around it since... There you go. And then X3 is boyfriend's brother. Not Ramther. Yeah. So it was me and X3, he has a brother. He has a wife, had a wife. And me and current boyfriend started messing around with each other. Wife found out about it. And we became a threple. Oh, what the f... What are we doing? What are we doing? Oh, OK, OK, OK, OK, OK, OK. OK. So he got caught cheating and the answer was to bring you in? Yeah. That was... Interesting strategies. Well, I think she was afraid of being alone. Is she ugly as f... No. No, I think she's an attractive person. OK, what are you? Anachron? Akron? 5, 6, 7, 8, 9, 10. What are you? Anachron? What do you mean? Zero to ten. Anachron what? I don't know what you're asking me. I'm an Austin 5 and a half. You're asking me to rate myself? Yes. On the Akron scale. On the Akron scale? Like, I don't know, 7, 8? And she's a... I don't want to... And she's a... I'll just call her the same. And she's a... 7, 8. OK, so she's a United States 4. OK, got you. Understood. Got... OK, so she's ugly. Caleb, I am not a 4. And you called yourself a 5? Austin 5 and a half. OK, that would make you a US 1, 2... 3. OK, I still outrank you. It's only because you just don't got the weight. Other than that, if I lost the weight... Who wouldn't be comparable, unfortunately. The baby boy? OK, let me see a picture of this woman. Wait, wait, wait. He hid? Oh, she has me blocked on Facebook. So I can't show you. Wait, wait. How X-Boyfriend found out what? Huh? What? She has me blocked on Facebook. So unless I have a picture of her, I probably can't show you. As you were the other woman. And now you are the current boyfriend. I was the current woman with her. For a moment. When you hear about Ohio against the world, there's a reason why we say that. Yeah, I don't know if I can find a picture of her. I'm asking how the brother found out. So... What wait I'm lost in this I'm lost he found out how well which one oh the X Because you were around with cuz I was around with his brother. Yeah. Yeah, so how we X2 found out yeah, right? Yes, so you guys weren't together anymore. We were technically together. He was on a bowling trip You're a beast you're a beast you're a beast oh Okay, how did they find out? Well, we had kind of broke up while he was on the trip and It was it was confusing. I don't know My brain is foggy because of the I'm sure you can imagine No This was during the times I think this was it was just before I started doing it was just after I got sober from Okay, what's next so that's that's it for the drugs Just like the kids that well keep going he came home from his bowling trip and He had a suspicion that we were messing around with each other me and my current boyfriend his brother How did they have the suspicion because we were hanging around each other all the time and okay It was we were making it pretty obvious he took my son's baby monitor that we didn't use anymore and put the camera under my bed and he took the monitor and he snuck onto my enclosed porch and Recorded it on his phone. Oh you his brother So then he your boyfriend's brother. Yes my yes my boyfriend at the time's brother My goodness do they live with their parents? So I moved in with do they hate you? From Akron you okay, I'm not a skank. I'm sorry. I'm sorry There's a lot more skank here Well, that's why we don't go there, but listen the thing is sleeping with your boyfriend's brother Not But hey, we're happy she's happy everybody's happy now, uh-huh. I'm sure Mm-hmm, and she just had her boyfriend move from a whole nother state and come move in her whoo the one that blocked you Yeah, she's thrilled she blocked you. She's moving on. She's moving on. It's okay So, yeah, he found out He went to go tell her about it and then we just Came clean and so well you're at the time boyfriend Was in that house you were having sex with his brother in that house. No, he wasn't in the house He was away on a trip. Well, how do you find out that the baby mother? No, because when he got back he had heard that we'd been hanging around each other all the time and he's and he saw us And I had kicked him out of my house because by the time he got back. We were broken up So But the time we got back from his trip. He was we were broken up So I he was like moving his stuff out of my house And it was when he was moving his stuff out of my house that he put a camera under my bed Wait, what the this is so confusing. This is so confusing moving parts. Yes There is like when you were with the other brother X2 you cheated on your ex with her best friend Yeah, oh my goodness This is what happened you're a skank bitch you're a cheater and you will just get knocked up for the rest of your life No, I guess you are come on you're kind of disgusting I waited six years before having another baby you didn't what first of all because one got and second of all You know wait it just happened. We knew what we were doing And so it went for generations We knew you got two weeks out of rehab after multiple trips to rehab and you're like let's just bring a child into this After you my current boyfriend are the brothers of my ex boyfriend who I also cheated with to get to oh my gosh You're an endless cheater I'm Your whore Thank you. You are I mean, I'm just calling it is right people are gonna say this is sexist, but I mean This is the reality if a guy did exactly what you do and I'm calling the whore too Well, I disagree you disagree I don't know how possibly how am I supposed to get you in a position to take care of the child with these finances When I don't even know who you're gonna be with next week breeding I have been with this guy for almost a year You lift with your ex when you cheated He's the reason your kids being taken care of no that's a different ex Okay, well the ex-wife of your current boyfriend called CPS on you. She didn't call. I don't know if she called somebody else did Are we shocked? Closed though. No, I'm not surprised. I was on drugs and are you sure you're not yes. I'm sure I'm not I'm pregnant I'm 27 weeks pregnant and I have my Like you I'm sorry. I can take a drug test. No, no, no, no, I am happy you're sober, but um I Am we can celebrate that don't don't get me wrong, but like what the The absolute Pattern of behavior that your life is I would have not been surprised well You'll be surprised when you see me again, and I don't have enough LinkedIn is great at connecting you with the world's largest professional network But it can't connect you with motivation on a Monday morning LinkedIn can help you get insights from your professional community But it can't give you any insight into why Dave's is still talking on mute And while it can't stop your boss from bringing tuna for lunch LinkedIn can help bring your career to the next level LinkedIn is the network that works for you visit linkedin.com to learn more The kid and I'm with the same guy. Yes, that will be the biggest surprise I've ever heard I woke up tomorrow of my headstone of the carpet. I wouldn't be more surprised than I am right now You suck with money so you download a budgeting app you start with the classic one Why NAB but everyone just deletes it because it's way too complicated to use so you go to every dollar That's Dave Ramsey the personal finance guy, right? Well, they're gonna force you to use it his way That's not very personal finances rock of money that you 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 bills play these people just like you for people just like you no private equity No gimmicks just the best budgeting app there is download and I'll start the free trial dollar wise comm We get in the description below. That's kind of stupid. I'll be honest But what's not is actually getting a checking account that gives you free money free money We like free money you can get up to $350 and bonus cash right now when you sign up for the checking account that I use time 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 time get that $350 right now when you're checking account. So what the fuck you're going on? It's all this shit. I'm looking at just absolute and That baby You have a hundred three thousand dollars of debt. Oh my What do you do for living? I haven't even asked that I've been even asked that well wait wait wait Okay, you'll answer that in a second. I have a note. She really wants to marry him. What's the wait till? 2028 He just got divorced. He's just got divorced in December. You are not gonna last with him to 2028 You are gonna get why you're eating by enough your history. Are you seriously asking me that question? You will find an other person I will you will find another man in Akron and you will cheat on your current guy That is not true. You cheated on your previous one in the previous one before that You've cheated endlessly your entire life got knocked up and the entire life I kissed a girl. I kissed my best friend in the bathroom. Okay, is that not if I want to kiss a woman am I not cheating? Well Well when I kiss the man when I not be cheating Yes, what the fuck is wrong with you your cheater you're a cheater big deal. It's I kissed I kissed a girl Big deal most guys would be like hell. Yeah, let me come join. Okay. Well, I don't know about most guys But may be some but I mean you get other people to cheat too What do you mean I get other people to cheat you were being sugar baby by a married man Mm-hmm. That's how you're gonna pay your bills being sugar baby. You're not sugar baby material I mean come on. Let's just be honest not to put you down, but I'm gonna put you down. I was well No, how disgusting was he he was not disgusting. He actually was a I can yeah, but you call yourself an eight so Well, okay. Yeah, sure. Me sure. Yeah. Why you why you sleeping with a married man? I didn't know he was so she's a home record to let's just know he was married. Uh-huh. I didn't I Found out you're with him for a year. Yes, he's very well for a year probably over a year and what did you do after you found out? Don't lie I'm being typed the truth right now. I stayed with him a little while. Uh-huh home Rackers skate and I actually have to go on her. I mean, I'm sorry you're everything. This is a Thank you and your eyes look tiny in those glasses, so okay Is that true do that do these do that they do do that? Well, I'm gonna judge you for everything because you just only make bad choices your entire life That is not true. What have you made that is good? Oh my gosh. I find this guy Okay, so you kept sleeping with this With a married man because he was giving you money. What was it? What was this work? I mean money what you were sugar baby. It wasn't I wasn't a sugar baby. No, I was no I wouldn't call it that we were dating each other and he would like Like for my birthday, he let me go on a trip let you go on a trip like paid for me to go on a trip What so but it's not like he wouldn't well you kept me with him so cheat cheat cheat to You're the worst person ever created. I think on this planet I really wish I could find a good got you we got the supreme leader and we got Hitler But only two of them are done unfortunately. I am not up there With Hitler That's a supreme leader. Okay. I don't even know what that means. Okay, not to date this but This is two days after we killed them. Do you are you not like I'm not in this world I'm not in the news. That's not even in the news. It's impossible to avoid. I don't watch the news Don't watch the news. No one watches the news. I don't think I've even been on the social media. Oh, she's oh shit What is your job? Well, if my car wasn't broken down, I would be door-dashing broken down if it wasn't broken down I would be door-dashing. Okay. Well, I have a sneaking suspicion. It's broken down. Yes So what do you do for a living? I do door-dash, but my car is broken down So I'm waiting for it to get fixed right now. I'm doing nothing about to be mother-a-two and Leaves every man after a couple years because she finds a new one she prefers. Oh my oh Oh my You're bringing in zero dollars right now. Yes. Oh, how long has it been? Only a couple weeks and the baby daddy. What does he do? He also does door-dash And does he currently know because the car is broken down? No, we split it up. We only had one car Take a boss at work at a coffee shop you fat I'm sorry. I'm upset. She is a demon damn the hell Excuse me. I'm trying. No, you try and get hired while pregnant Nobody wants to hire you when you're six months pregnant and high risk and you have to take Yeah, but it's also against the law. Yes, it's against the law, but that doesn't stop people from discriminating I mean, I get it if it was legal I would Oh Cuz I mean I agree I get the reasonings but yeah, I get the reasons I Mean it's it's very logical for being honest, but it is what about him Why can't he just go get a job because the child on the way? He's been trying but it's been right. All right. Let's get this man on FaceTime. Let's get this piece of shit on FaceTime. Oh This failure of a why is he dropping loads? Why is he dropping loads into a into a head I Know it was two weeks after that's why I'm saying that if it was now Now the light in you. Yes, the lady you are the nostrils bleeding which one? He saw both and he wanted me to get better And he's the reason I'm ever done the crystal no, I never I know I did like And when it came to opioids and then once I got clean from those I went to Adderall and then I never touched still clean from opiates Yes, I guess about You don't have to do the math as a venison rehab. I have it as a men's it's rehab It's been almost a year since I've been clean from so so you did one after rehab I'm 339 days sober from good job with that, but you did do a relapse on Other not on son. I relapsed on other drugs. Yeah That was so I pretty much I ended doing in April started doing We're bringing in the iPad to call this man Call this man Who's about to be a father? What the fuck so your ex number a million or whatever? Who is your current boyfriend's brother is probably gonna have to step in and take care of this kid like he did the other kid Who is also not his because that's the only person responsible in this picture the man you cheated on well done Cuz you know absolutely not the guy Is the one who's responsible with you? Huh? You saying the guy that I cheat my my boyfriend's brother is the only responsible one. Oh, no, I got mixed up in the picture You're right. It was the one that you cheated on before Oh, I didn't cheat on he's gonna have to step in and take care of this kid to know He has no relation to this kid the one who's taking every relation to the previous kid My current kid yes Oh my baby's We don't have a rapid declining birth rate like South Korea is because These type of people these type of people in Akron are breathing He's good. He can have his baby. I don't know. I don't know. I mean your current guy has to so what the All right, okay pause for a second cuz we got to bring in our technical director to get this guy on the call Listen my guy welcome. What are we? What are we calling you? Um, baby daddy? Let's call you baby. What the fuck is wrong with you? Why are you impregnating a woman? Two weeks after three have dude. I mean it just happened. Well, yes, if you stick it in it just does That's kind of weird how that works, but you already have two kids. Why are you guys breeding like left and right? It's kind of crazy. You guys are breeders Yeah, I mean I like my children you like your children yet you refuse to take care of them Because the fact is you work door dash well, she also works door dash and you only have one car It's very irresponsible to bring another child into the picture. No Well, I will Objectively no you're doing Door-dash with one car when she's doing door-dash that's impossible No, but you can't double door-dash, which means someone needs to take public transportation There's a morning shift and there's an afternoon shift Exactly of which one person can do both and the other person can go get a job And it's not gonna be the pregnant woman which means it needs to be him any job. I don't care what job putting fries in the bag Why haven't you put the fries in the bag? Wow, I knew that was gonna happen he can't handle any pushback on how he clearly Doesn't take care of his he takes care of his kids I Don't think that's true. That's impossible. How is it impossible? Because he just needs to go get a job man When I was growing up poor at least my dad went and worked like a gas station clerk Type position to make sure food was put on the table. He's not gonna answer Okay, well it text them and you can you can tell them That we will be I'll be more gentle to him because I do have more questions about this Thing so you can tell him I'll be more gentle I'll be more gentle, but I mean since he's not here kind of a loser We're being honest How much is the fix for this car like 1500 bucks okay, you texted him. Mm-hmm. Okay, let's see what he says 1500 bucks now, how can we ever possibly pay 1500 bucks if our only way of bringing him money relies on the car? Seems like an inescapable loop Only make money if we have the car, but we can't do the car unless we put 1500 bucks into the car I'm waiting on my two weeks and no one's done anything. I'm waiting on my tax refund to be able to pay for the car Okay, that might be a couple weeks. You are literally. I'm sorry the bottom of our society. I mean, I'm sorry But with what you have done and you're bringing children into that picture that should not be the statement One person Objectively should be doing this door dash all day if that's one of the options Which I wouldn't be beating this car on the ground the other person needs to be putting fries in the back And you guys are acting like losers not doing that and I know I'm being mean but you need to know that is the reality You guys are acting like losers you have kids and you're saying you're waiting on your tax refund That's gonna be like a month or two away a month a month maybe a Month so we don't bring in any income for a month. How do you pay the rent? How do you pay for food on the table? You probably get food stamps, don't you? I do of course you do So you guys one one? So be very clear We have a yet another example in this show another example of this show of a couple who is literally just choosing not to work Choosing not to get a job yet. We are providing food stamps. I want us to provide food stamps to those who need it To those to take care of kids to those that are falling down hard times and are not doing it you and your boyfriend I understand your situation right now, but he is actively choosing the baby daddy of your child To not get a job. I mean, how's he gonna get to the job? Oh, I'll tell you how apparently he has a car It's just not cost effective to drive it for door dash. That's how well wow Can't walk right into that. What a disgusting truck is if it was working that I would mention it It was broken down. We have what no you just said it's does not cost effective And you guys are looking at by another car and you disagree about it with it literally What cost oh with yesterday public transportation bike What do you think people have done throughout all of human history? Walk if he needs to in college when I was Five or five or six miles away from my busing job when I was busing for the summer in between freshman and sophomore year I bite I didn't have a car I bike so I could save up to get a car so I could do delivery driving my sophomore year of college That's what I did. He's about to have a kid. He shouldn't get food stamps. So he gets food stamps, right? He doesn't get food. He doesn't get food stamps with two kids. No, okay But he's about to have a kid and there's gonna be additional food stamps for this kid And he's the baby daddy of it. So to be very clear. I want assistance for those who need it He is actively choosing not to work and this new child is gonna get more assistance that we are paying for Those of us who do work when he's choosing not to it's disgusting for the time being not for the time being When's the last time he had a job? I mean we've we were The last time he's had a job other than and we're back in the Miller's yard despite the heat Their true green lawn is thriving They got a lawn like a golf course here in Maryland without wasting a weekend and PJ to a golfer started showing up like this Pro amazed this grass looks this good and this heat has to clear the trampoline and the kiddie pool. Oh Perfectly struck true green the easiest way to get a golf course quality lawn Click the screen now and get started today at true green comm exclusion supply see true green comm for details That's contracting and you could have been doing it with the one car the entire day He could have had a job outside of that we've established that when's the last time he had a job several months ago Disgusting what was it? I think he worked at Amazon. You think he worked at Amazon the baby daddy I'm saying I think that was the last job that he had. How do you not know you were pregnant with his child? I did a lot of My brain is Clearly getting bread immediately. I mean, I think obviously you're gonna keep him. It has he text back. Yeah, and he said Don't call me again No, he's a pussy what a little He is not a little Okay, come on. He just doesn't want to lose his shit on you on camera Oh, no, what would I ever do if someone was angry on a FaceTime? He doesn't want to lose his composure on camera. Oh, that's great That's what I want to hear from a father or two and an upcoming father of one someone who can't control their emotions and loses control Wonderful. Yeah, I definitely doesn't happen in situations like this. I don't take care of my kids I would get pretty defensive too. Yeah, but was my reason he can get defensive. That's okay. But was my reasoning wrong? No Objectively no and he needs to face that reality whether or not it upsets him He needs to face that reality because there's a kid coming on the way. She's getting tax assistance. You're a net taker You're not a giver. You don't provide anything to society like it's just like I Have spent most of my adult life providing to society. I have just no you've never been a net giver. What do you mean? You've With your tax credit and everything which I am not against to be very clear You have never net contributed to the overall system. You've only taken I haven't always received assistance Yes, you have with your kid. Absolutely. No, I haven't it's been baked into your tax form. I I have not always received assistance Yes, you have it is baked into your tax form always as in my kids entire life No, there was meant there was several years that I did not get assistance for him because I made too much money You may not have gotten food stamps specifically But you have always gotten a version of a child tax credit which has been doubled recently Through your kid in your tax form. You are not the bottom 50% of earners of which you always have been in this country Which is okay. That's not a shame thing. That's okay Contribute 1% to the federal income tax system 1% we have a very progressive federal income tax system You have never been a net contributor and that's fine But the thing is you guys are now it becomes a problem And I start becoming upset because you guys are actively choosing not to get a job You won't do door dash because you need $1,500 to get a car working and you can't get that because there's nothing I Can get that it's in the plan. It's getting fixed in seven days. How where's the money taxes? I'm gonna get my taxes by then right so remember when I said taker And then he's not gonna get a job because he's a coward Oh No, no, no, oh, oh, oh lady. Oh, oh, oh lady. Oh, do we do I really have to have this conversation again? I need to clarify out here because I know There might be some confusion I mean is it a tax refund a refund for taxes that I've paid Is why they really need to change the name of that That's you know why they do that because if it's not that would be very Quietly quiet, you know why they do that because it makes the elected officials look good that they're refunding It's not a refund You're not getting refunded You're getting net more from the system than you get and it's then you give and it's because of the child and I'm not against that part But then you also get food same start the year because you're choosing not to work I am against that when you're choosing not to work Especially him specifically about for the new kid So no, it's not a refund. You've barely given anything You've barely given anything in a taxes. In fact, I highly doubt you're even claiming your door dash correctly Yeah, I I did my taxes correctly uh-huh I Mean there I don't I didn't see any problem with it. What do you mean? You didn't see any problem with it? What's it? She saw no issue I was supposed to write off the correct way. No, not a chance in this world Not a chance in this world. Huh? Why because listen how you spoke this entire conversation I don't you don't know what a write-off is you don't know what a deduction is. There's no way you did Yes, I do. Oh You literally just called it a refund saying it's refund for the money you paid in you don't know how it works No way, you know the deduction is No, you do not and that's okay Things for like three years. I know you're good at it people set up all the time listen again Oh, I just want to be because you keep taking me down rabbit holes I'm just gonna talk over you while you keep speaking the thing is I Am against a broad social welfare program to help people you were just abusing it And he and then with your new kid in I'm abusing it because for this current like month. I don't have a job month when's the last time you had a job Door dashing is a job Yeah, but you guys are f***ing around do I need to explain this for the fourth time? You don't need two shifts with one car one person could be doing it all day. It ain't difficult to do door dash I was delivery driving through college for four years. Okay, and ain't difficult. It's pretty pretty simple One person can do that all day. Well, the other person is working You have to provide and since you guys are choosing not to including him choosing not to get a job because he by the way If you're watching this you're a coward ass pussy ass bitch mother failure No, you're not Objectively you are and we have seen proof of that here. Um, yes You're using the evidence and making this conclusion out of it girl 45 minutes of talking. There's almost I don't see any alternative He also took his boy his Brothers girl He's a horrible person. No, he's not he's a horrible person. You're a horrible person and you need to know that I'm not gonna sugarcoat it. This show is not about sugarcoating. I'm not gonna do it to look good out there I'm not gonna do it to look good to you Or does people sitting in this room? I Will take any person that comes in this room and I will let them know how they are if they're a good person I'll tell them that they're a bad person. I'll tell them and you're a bad person So that's a bad person you're a bad person now I'm a good person to society and I'm a good person to everybody around me. Okay, I'm not the I might have I might have up in my past, but that doesn't mean that I'm a terrible person Especially when everybody's happy now You got blocked you don't know you're just saying things What do you think your financial score is zero to ten your scores a million thank you Gang scores off the charts one Starbucks is Bulls and a waste of money and you already know that by making your coffee at home and investing the rest So now you need to do that with your energy drink as well Make gamer subs 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 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 gamer subs.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 pin comment or description below This is the best membership you'll ever join that's a promise Now get your hammer financial score take the assessment for free Caleb hammer.com see where you stand in the world of money It just takes a few minutes you take the assessment. It's great. You see where you need to improve where you're doing poorly Are you what are you blowing? What are you blowing him? What did you just blow at me? I didn't see it's just a vape It smells it smells like raspberry lemonade pussy wait you're pregnant. Yeah Nicotine is probably harder than to quit you're pregnant you just You know what people do while they're pregnant a little nicotine is fine and my doctors know there is an increased risk of birth Effects like cleft lip cleft palate Oh My doctors know about it There's also a risk of having the baby early pre-term delivery low birth weight and honestly I'm on so many medications from I can't double down Every month and he's perfectly fine the vaping can damage not only the mother's blood vessels But also the baby's blood vessels and that can cause long-term damage. Oh Oh sake Trust me all the medications. I'm on Don't they been here. Let me just say that I don't want your Addictions throwing through my air especially towards my coffee that I'm drinking and I don't like to smell of it even if it's kind of It's nasty Remember when I said you're a bad person I Don't think it makes me a bad person Oh What the Grinder No, it wasn't I'm deleting it You get to choose between grok grub hub and grinder your your path medical info we have on pregnant woman who Babe, oh, I also smoke still no what kind? Well, how it take It's all cleared by my doctor. No, no, no, no, no No, no, no, no, no, now. They know that represented straight straight from Flint They know on arrays. Listen. I used to do Okay It's much better for me to be smoking and staying California sober. Do not, do not, do not, do not, do not, do not, do not, do not, your entire life cannot be based on, because it's not as bad as, it's not bad. What? What? Once you've been an addict and then you can, you can... You're pregnant! Okay. What? You don't have to tell me I need to be an addict and be able to speak on this, you absolute... No studies that have shown that there is a negative effect on the baby from smoking weed. Wrong again, idiot. And I have a baby that is a weed baby and he is a proficient in every way. Oh shut the f*** up! He is, he's always been brilliant and he's six years old and he's amazingly brilliant. I'm not blaming it on the... But I'm saying it didn't have an effect on him. Bring back town square beheadings. This is crazy! You're insane! What the f*** is wrong with you and you're gonna keep popping them out! No I'm not! This is my last one. Vape in your pregnancy exposes the development to baby to nicotine which can harm brain and lung development. Animal studies indicate that nicotine in certain flavorings in e6 may impact fetal development. I am because I started with that first because that's where we started your dumb sh***. Human studies have linked the vaping and pregnancy to increased risk of preterm birth before 37 weeks. Low birth weight and small for gestational age with neurological issues, self-regulated problems, motor skill defects and infants. The study found e-cigarette exposure with nicotine. It's because you've vaked it man. I think I'm becoming... Placement growth in parasfetal and... Place... Placental? Oh placental growth by interfering with... I'm the reason though. Yeah listen, okay I'm struggling to read in this. I really am. No I'll be completely honest. High increased chances of sudden infant death syndrome. With nicotine? Yes! Okay well I'm... Hey will it be the age of being a doctor? It's not doctor Google. It's not doctor Google first of all. We have every search engine and whatsoever and that also comes from the CDC. Okay well I'm gonna trust my doctor. Stay off the weed! Okay that comes from the CDC Mayo Clinic Duke. I'm gonna trust my doctor. And the Australian Health Government. Government Health. Okay. Okay. Um studies of the d-pens which have... Not a d-pen. Huh? Not a d-pen. I take... I take concentrate. I smoke concentrate with a nectar collector. It's different from a d-pen. I mean they use concentrate to turn d-pens into d-pens. How do you consume it? It's a little... it's like a little tube with a metal thing at the end. What's it called? It's called a nectar collector. Uh what are you consuming specifically? Uh concentrate. THC concentrate? Yes. I guess. Uh... Uh... Okay well one thing we know for sure is the THC concentration is substantially more typically with that. And this has, yes, studies from the CDC and the HSA and it leads... It can lead to impaired brain development, long-term issues with learning difficulties, behavioral problems, attention deficits, and neurological impairments in children. Well my doctor would... Two term... doctor needs to be the loosest license. He would much rather me be smoking and staying California sober than for me to relapse. Stay off the weed! Dude I would be okay if you weren't pregnant. It's the lesser of the two evils. I'd be okay if you weren't pregnant. Well luckily I don't need your approval. No but unfortunately your child will face the impacts of your decisions. No he's developing perfectly fine. Oh no! Guys we heard it here. No. No. I get scans monthly and he is totally fine. His brain, his heart, his lungs are all developing perfectly fine. We don't know everything perfectly though. That does not tell absolutely everything. Increased risk is for acute effects like anxiety, paranoia, and psychosis in their age. They don't see that. They can't see that in brain scans. This is from the CDC. You can't say there's no studies being done. Listen there's smoking weed while pregnant and there's relapsing while pregnant. I would much rather go with this. So that's the only other option? Is that really the only other option? If that is specifically what you're telling your doctor then sure. I can see your doctor saying. Smoking weed is keeping me sober from other things. Really? Yes. Really? Yes. So every single person through rehabilitation is smoking weed and it's the only reason they're saying sober. You are pregnant! No I didn't say that. I said me personally. How can you 100% say that's the only reason? Because I know myself. I feel like you have told your doctor that and that's the only reason they're accepting it. This is disgusting. You disgust me. You disgust me! Oh I think you're the most disgusting piece of shit that's ever been on the show. No way. No it actually might be a pretty, I'm getting a knot of agreement from Brandon and he's a piece of shit. So I get an award? I'm kidding. Okay. A medal maybe? Huh? Do I get an award? Like a medal? Yeah two fucking children. Again you can get your financial score at CalebHammer.com. And if you don't want to be like a guest who ends up on the show, make sure to download the new and improved dollar wise app. It is incredible guys. It really is. It is taking the budgeting world by storm. It simplifies things. It is not overly complicated like all those other ones and people are sticking around and signing up like no one's business. It is absolutely crazy for a reason. Most people take the annual version because it saves 50% and when you do, you get my budget from me. Cookbook! Mailed by me. Signed directly to you. And, oops sorry. Did I hit you? Jesus. Signed by me, mailed directly to you and our brand new budget friendly meal plan which is a detailed meal plan every day of the month. Which helps you meal plan. Meal prep. I'll sign that, mailed directly to you. This is going away forever at the end of March. It will never be found again. Okay, okay, okay. Okay, okay. I'm gonna, I got it again into these numbers. This is crazy. First of all, how are you gonna 100,000 hours in debt? What is wrong with you? Most of it is my mortgage. You have a mortgage? Wait 100,000? 100,000? Akron house? Jesus Akron. Your mortgage is 77,000. You're late. She's late. You're not paying your mortgage. You have a children. You have a child. More are coming. An endless amount more are coming by the way. They will. Girl, if we check in in 10 years, you are gonna have three more kids. That is not true. Three more kids or 10 more abortions? Absolutely. No chance. I have a re, I know why I'm not having any more. Why? Because I have to get a C-section with this baby and I'm not doing that twice. Yeah, but is that, but that doesn't, no. He's getting fixed and we're avoiding that. He's getting fixed. Your pattern does not suggest that changes anything. Woman, we all know people like you from places like Akron. You're gonna have more kids or more abortions. I don't care. It's gonna happen. You'll be surprised. No, I literally will not. It will not shock me at all. No, you'll, you're not paying your mortgage and your mother or children. I'm disgusted and yet he won't get a job. What a pathetic piece of shit. What a pathetic piece of trash. It's not his mortgage. No, but his child is gonna be living under the roof. What the fuck is wrong with you? It's not his mortgage. You're okay with, oh my gosh. Does he live there? No, but. Does he live there? Yes, he does. Ah, that was a bomb. But I'm saying it's not all his responsibility to make up. What? What are you? Are you? Are you guys not the future people together? You said you are. So yes, it would be as the man who's about to birth a child would be his responsibility to make sure the roof stays over the head. In fact, I would say that is the number one responsibility of a father and a man is to make sure a roof is on overhead, utilities are on and food is on the table. I would say that is actually the number one responsibility, except he's a pussy ass bitch who can't bike anywhere. He's not a pussy ass bitch. Yes, he is. He's not getting a job. He's a failure. No, he's not. And he can't even stay on the call for more than 30 seconds because he's a coward. He's not a coward. He's everything and you're dismissing it. Okay. And tell you leave him for another penis like you always do. It'll probably be the third bro. I don't leave people for other penises. I leave people for better people. Objectively no. Objectively yes. No, he's not willing to stay on the call because he's afraid he's going to lose his temper. He's going to beat your child. Screw you. He's not going to beat my child. Like that, that doesn't, one does not relate to the other. I'm sorry. We've seen people like him. We know the tendencies and this is, this is not in a rural area, dude. I just pulled up the location. You can get a nice house in Akron by the way. That just means you have to deal with everything else for this low price. But he can easily, bro, literally a five minute walk away as a grocery store, a chain restaurant, a bank, a theater, nightclub, a cafe, foot massage. Dude, this is like, it's crazy. Lots of restaurants. He can literally, it's a two minute walk to a job. It's a two minute walk to a put the fries in the bag job. And he's been okay with two weeks of not working. You could even do that dude. I was okay with the pregnant thing for a second, but literally he's a chicken place is just down the street. Massive grocery stores, maybe a 10 minute bike. Dude, you're in the middle of everything. Yeah. No, he's a failure. That suggests in his proven he is a failure. He's not a failure. We're just, we're just up right now. Right now he's not willing to provide for his family. He's disgusting. And if you don't do it by the time, you know, leading up to this, you should have been also doing that. So you're kind of disgusting too. I mean, you have no equity position in this house. This may be worth 80, 84. Sorry. So if you sell it, you're still going to have to write a check. I bought it for 80. Well, you're going to foreclosure for nothing. How many months are you behind? Five. But, but I have a plan. Oh, she has a plan. She has a plan. She has a plan. Oh, what would we ever do if she didn't have a plan? That's the most behind the mortgage. It's going to get paid off. Shut the f**k off. No, it's. Shut the f**k off. Shut the f**k up. We've never had someone that far behind on a mortgage and you're about to birth a child. I'm going to get it paid up. Yeah. Like this month. Your tax refund. Hopefully. That you're also taking care of everything else with. What's your refund supposed to be? Uh, like 7,700. And you think you're a net contributor? You're so delusional. This is crazy. I don't know how that sh** works. You don't know how anything works. So please don't tell me you actually did your deductions correctly on your taxes. I know that I did them correctly because I had somebody help me. Who does taxes? You had a CPA? No. I mean, technically. What the f**k? What does this woman? This f**king woman? What the f**k do I do here? Technically no. This is somebody who used to work with a tax agency and now he doesn't anymore and he helped me. You said... It's at a 7.5% right. That ain't great. When did you get this? When? Uh, January 2025. You need a drink? You got this in the middle of your... Uh, in the middle of my f**king addiction. What? I thought you picked up f**king April. April 2025? You got this in July. No, did I say July? I said January. I meant January. Oh, maybe you did. I may have misheard. $77,249.02. Can I be honest right now? Well, I'm going to be regardless of what you say. Well, you do, but you already gave me that consent. You can take it away whenever you want. You? What people are watching right now is what everyone fears their daughter to become. I was good at one point. No, you're 23. I was. I had $18,000 saved at one point. You're getting knocked off as 16. You've never been good. Yes, I have been good. I had $18,000 saved at one point, and I bought my first house at $22,000. You're over 120 days delinquent. I have no idea. Has the foreclosure process started? It's about to if I don't get it paid. You're just waiting for that check to hit, and you're doing a car and food and utilities with it. How are we paying for food right now? With my assistance. It's usually not enough for the whole thing. It's close to enough. Sometimes we have to spend whatever little cash you have. You get $540 a month. I guess that is enough, actually. What the f***? Not really, because that's how much the government calculates for me and my son. Yeah. Not for me, my son, my boyfriend, and his kids. He should be working! What? So it doesn't feed all of us. You should not be with this man. He's a f***ing failure. Oh my f***. Are we really getting f***ed? That's another indication. We're just at that spot right now. Bad spot. He's chosen not to have a job for months. Bad spot. We've been door dashing. No! Oh my gosh, I'm not going to go down that road again. You actual, you actual, shut the f*** up. No, you're splitting the c- No, we have been working. He has a car. It broke down the other day. Just yesterday. Just yesterday. So you can't tell me that. You cannot tell me that. His car was working until yesterday. Yeah. Your excuses, that's all you've done your entire life is make excuses, and other people have bailed you out. You're disgusting. And so is he. He's even more pathetic. What's your normal mortgage payment? What the f*** are we doing? Uh, eight hundred nine dollars. And also, the entire team is questioning how convenient it is that his car broke down yesterday and none of us even know about it today. It literally broke down yesterday. He went to sell it. The dude drove down. You are not a trustworthy person. And it broke down. You're not a trustworthy person. What's wrong with it? Oh well. Because he's a car flipper, I'm being told, so he knows how to fix cars. What's wrong with it? I don't know what's wrong with it. I'm not the flipper. He didn't tell you? You guys don't communicate what the f*** is wrong with you. Oh, do I have his finances? No. So you guys budget independently? Mm-hmm. So the food stamps for you and your kid is enough? No, because it has to feed all of us. Do you budget independently or not? Woman! I guess the answer would be no then. All right, this show is going to make me go f*** bold. When it comes to things involving the two of us, we are... Eugh! Eugh! Eugh! Calm down. 804. 809 dollars. That is a mortgage payment that most people would f*** come to. I just did. This is f*** insane. And yet... Oh, it's been dis... Oh! Oh! Oh! It's been... It's been since September. You haven't paid since September. I'm surprised this hasn't completed its foreclosure yet. You honestly are lucky. And I have... Mmmm. What I do is if I really need to get it out, I'll write it down. You're not fully paying it off? No, yeah. With the taxary fund? Yeah. It's like $4,000. I can afford to pay it all off. If you're getting $5,000 and you have to fix the car and you have to fix the other thing. But also food. Math isn't mapping, man. Oh yeah, because I'm like 2,000 behind on my utilities. All of them combined. So I have like, I'll be getting like just enough. No. It's a win-win. You get money and I get money. These are called affiliates. And you get that sweet, sweet cash for signing up for some amazing products. The first one is time. This is a checking account that I personally use and you get up to a $350 bonus with a new time checking account and earn up to 3.5% APY under savings. And second, my investing app of choice these days is Webull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, to sign up bonuses is only $5. But with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. 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. Yes. No. $4,000, $6,000. That's if you even get the right refund back. What, did you TurboTax? Uh, I used Tax Act. Well, I don't know anything about that because I was gonna say, if you did that, you would've got your money early anyway. So who even knows how accurate that is? I'll be getting it within like a couple days and I'll be able to pay everything that I can. Everything that you can, that's what I'm saying. Like my mortgage, I'll be able to get my mortgage in utilities made up. We don't know. No, no, no. Oh yeah, because I need to fix my car at the same time. So is he, answer truthfully, gonna walk down the street and put the fries in the bag? Uh, yeah, he's getting to that point. Getting to that point? The father of two with a third on the way isn't at that point already? Pathetic, coward, piece of shit, scumbag. Failure. I guess we're all entitled to our opinions even if they're wrong. How is that even an opinion? We're all witnessing it right now. Chat, whose opinion is correct? That's insane. I've never seen a mortgage behind that much. You know why? Because no one gets behind that much without it foreclosure already being done. You're lucky. If you do catch up and if you do, it's going to be just barely. But if you do, it's going to be the luckiest thing anyone's ever been through. The fact that you did not get it to this point foreclosed on. You will have been the luckiest, almost the luckiest person in this world. I also have my parents that are willing to help me. Why haven't they? It's been September. They have. And honestly, they have. You f**king disgust me. They shouldn't. So he's not willing to work, but your parents will step in. Disgusting, pathetic, embarrassing, embarrassing. I'm embarrassed. How much are they helping? What are they doing? Well, Presor even willing to an addict. Before I knew I was getting my taxes, they offered to help me pay up my mortgage. So, I don't know. And I probably unfortunately would too, but they shouldn't. They'll probably help me with that first. And then I'll pay them back with my taxes because I don't want to get foreclosed on first. I know they're not going to do it because of the grandkids, but you need to f**king learn your lesson. I don't know. In what world thought you should get a house while you're all perked up? I was going through a manic episode. Yeah. Well, how long was that episode? You don't just get a house, just get a mortgage. Go through the entire underwriting process in a manic episode. Oh, no. No. And once I was in my manic episode, once it's when it started, and then I kind of just felt like I couldn't back out. Okay. You just have to pay some money. And I was supposed to be getting help. I was supposed to be rooming with one, two, three other people. So, I wasn't going to be paying it all on my own. I planned it to work. And then they all backed out. Yeah. You have to get them under contract, dude. Well, credit one, no one surprised the worst credit card of all the credit cards. I'll let you use the mine card. It used to be the Fizz card. It's the mine card, debit card that builds credit. You can use that. It doesn't let you spend more than what's in your check to account. And I also get you and your failure of a piece of shit boyfriend, course career certifications each so you can go get real jobs. People in the audience have used them to increase the revenue 10 times. He's not a failure in a piece of shit. Shut the f*** up. Let's see it by seeing him get a course career certification in the trades and go in and making some money for his kids then. Yeah. Your lack of response and drawing a lot of confidence. Oh, good. We're late on this as well, but I don't think anyone surprised. You should be late on this. If you're not paying utilities or mortgage, yeah, I would be late on this. You're over the limit by $178.10. You have $478.10. I'm pretty sure that was all like cash advances for drugs. Oh, God, just why not? Why not? Just added a lot. I'm pretty sure that's what that card was. Was it show what I took it out for? Late fees up the dick. Now, 28% interest, horrendous because you can't take any more out anyway by the time this statement came around. So I can't see what you're doing, what you did previous. Yeah, I'm pretty sure it was all cash advances. It can take 15 months to pay off and that, it's going to take even hundreds of dollars or more. It's absolutely horrendous with fees and interest and they're late and this is f***ing stupid. $60 normally monthly, but of course you're behind. No, I think $69 actually on a monthly basis. What was this? Pathetic. It's the mother of children. I'm going to be okay. It's going to work itself out. Unfortunately, not how it works. People become homeless every single day in this country. That is just not how the world works. It really doesn't. It really doesn't. Yeah, but I have good luck. I doubt it. No, you haven't actually. I would say your entire life's on bad luck. Knocked up endlessly, purple hair. I have two kids. I'm not knocked up endlessly. Plus other examples and bad addictions. Bad luck. The world's just going to work out. I bet that's what the hominé thought. Didn't happen. Listen, five hours that dude. Talk shit for decades. I don't know what you're talking about. I know you don't. But you talk shit for years. You think this is going to work out? It is. It's not how the real world works. It is going to work out. Okay, great. Okay, great. That's wonderful. Quicksilver. Oh, f***. What are we doing? This is insane. How the f*** do you, how can someone lay you at the, why would they give you this much balance? $5,875.67. I think I lied about my income. Oh, I'm sure you did because you're just a really good person. That definitely always tells the truth about everything. Reliable narrator. It's a credit card. It's a credit card and now you're f***ed. I used to be really, really good with credit cards. Why do I care if you used to be really good? I wouldn't be criticizing you right now if you used to be really bad but you're good right now. Well, because I just lost all my good habits. Yeah, shut the f*** up. I don't care what you've done previously. You've been good back then, you're bad now. I'm criticizing you now. If you were bad back then, you're good now. I'm not criticizing you for being bad back then. You're bad now. Shut the f*** up. And you've always been bad. Shut the f*** up. Come on. I have not always been bad. Bro, pregnant at 16, what are we doing? Shut the f*** up. What 19 year old do you know that has 8 grand? Because I didn't know any other ones. So at least charged off and closed. Thanks f***. Okay, well charged off and so I guess that she's in collections. We'll see. Might be able to negotiate something but that's going to f*** you for a long time. You have a plan on moving? No. Okay, then I guess we don't care about her credit then. Oh my f***, debt to family and friends. This is immense. Mother, mother. Okay, to mom, you owe 2370. Already before you even borrowed from mortgage. For what the f***? And for when the f***? Lots of things. A lot of it was Christmas presents. You're borrowing for Christmas presents when we can't afford a mortgage. You were three months behind and your mortgage by the time Christmas came around. Yeah, I didn't want to not give my baby a Christmas. Christmas over a roof over the head, that's wonderful. Well, because I thought that when I did the mortgage deferment program that it was going to be put to the end of my term and then I found out that it... Some of them probably were and then you were still way too many months behind and they wouldn't just allow that forever. No, when the three months was up they said we want the whole amount right now and I didn't have that and then I also didn't have it the month after or the month after. You won't have it now. I will have it now, I'm getting my taxes. I hope it's the number and I hope it's sooner than the foreclosure and I hope that it doesn't have to go to other things even though you're behind on literally everything. So you borrowed $2,370 for Christmas? Not all of it. Okay, one you're going to call her in the post show. And two, for me this is insane, what was the other part for? I don't remember. I think it was... Luckily, Lindsay remembers. You borrowed money to get a jumping spider that you had to have. A jumping spider? Like an actual spider. I keep jumping spiders. I keep them as pets. Which is more important than a mortgage and utilities and food and... Oh my goodness. How much is a jumping spider that you had to borrow money for? Like $70. What the f*** a jumping spider is $70? What the f*** is wrong with you? What is wrong with you? What is wrong with you? You're shipping spiders to your... What the f*** is wrong with you? What is wrong with you? You borrowed for that? Oh, it still hasn't even arrived yet. Oh my f***, what are we doing? No, it's been too cold. Huh? It's been too cold in Ohio. Okay, okay, okay. I used to have like $15 and I sold them all. Wait, so you're borrowing... So to be very clear, you're borrowing money for a jumping spider while you're not paying your mortgage right now. When did you do this? Probably September, October. It hasn't... So as you were being late on your mortgage... Because you started being late... The last one you made on time was August. Mommy, can you get me a jumping spider? Huh? I said, mommy, will you get me this jumping spider? The last one. And you said, yes. And I said... Let me make sure you're homeless, child. And I said, I will pay you back when I can. And she said, sure. Oh, you were talking to mommy, not your kid talking to you. That's even worse. Oh, I thought you were mimicking your kid and asking for one. But it's in fact you who is the child. Yes. It was me who was asking my mommy. Oh, we are going to call her. Okay, dad, 2000 for f***ing... What? Um... Getting me caught up on my mortgage previously. When? When were you behind already? Earlier this year. What? Earlier... Or earlier of 2025. Girl, you got the house in January. Yeah, I wasn't that far behind. I was like... Did they know you were getting the house? Two months. Did they not start to talk you out of it? Um... There was no talking me out of it. Oh f***, then why are they enabling you? Why the f*** are they enabling you? Uh, because they know that they're going to get it back. No, no, no, no, no, no, no, no. Objectively, no. What? Oh, s***. I actually hate the idea of it because I know it's been weaponized and used by like, snark communities on YouTube and stuff like that. But maybe CPS should get involved here. I hate to say that. That actually does make me feel sick. Why? My kid has a roof over his head and food on the table and the heat is on and the water is running and... What? She just said she owed hundreds to utilities. She's six months behind... Yes, I have to get caught up because after rehab... ...on mortgage and she said food stamps of which is the only money coming in doesn't pay enough for food. After rehab, I couldn't work. I was pregnant and I was rehabbing. Okay, you're vaping and smoking weed while pregnant. I think CPS could get involved. They're not... No, they can't get involved with an unborn baby. And... And how much is owed to utilities again? You said a couple hundred bucks, right? No, I said two grand. Oh no, the... Oh no! Oh no, the money your mom gave you, she borrowed from her own stocks. Yeah. Oh, you disgust me. You disgust... I haven't been this disgusted in an episode of Financial Audit in so long. In fact, last week, instead of paying your mortgage, you went and bought her a brand new video game. Yeah, I took some money out of my mortgage to buy the video game. That's all the money that's in my account right now. Okay. My mortgage is 809, I'm pretty sure I have 740. And to your brother, you owe a thousand one hundred. For what? A pathetic worm. Because when I was buying the house, I was spending too much money on drugs and he was kind of making up for it. Finding your drugs? In a way. Well no, I was paying for my drugs and then he was kind of helping me recoup. Exactly, so he was paying for your drugs and mathematically works like that by the way. Technically. Okay. And your sister, 350, who are also calling in the post show. Lots of phone calls, get ready, it's gonna be a great post show, it's gonna be an insane one, I'm gonna f*** die. What do you owe her, 350 dollars? Huh? Um... I don't quite remember. Why not? Do you have minimum payments with all these? No idea. I haven't made a payment on them in a long time. But there's no confidence that you're gonna do it. You f***ing disgusting. Oh my gosh, the my family, I have plans on paying them in big chunks. Non biological father of the child, you owe 7,000 to? Yes, because he co-signed on my car. The broken car. And when I couldn't make the payments, it was affecting his credit, so his aunt paid it off. And now I just have to pay them back for the next 3 years. I know, you have a minimum for that? I mean, I plan on giving them... What was agreed on? What was agreed on? I'm going to... What was agreed on? I'm claiming... What was agreed on? Now what you're doing, what was agreed on? Okay, $2,000 at tax time for the next 3 years. Wait, wait, wait, wait! Not this year, next year, the year after that, the year after that. I'm giving him the tax credit. That's how I'm gonna get it paid off! Shut the f*** up! It's too grand and I'm gonna f*** off for the next 3 years! Shut the f*** up! You're gonna be in the same situation next year, and now all of a sudden your tax money won't be able to go to it. My tax money, in fact, won't be able to go to it. Sam's Club Synchrony. What's going on with this card? I mean, that one's been closed for a while. Thank f***ing... And... Oh yeah, we were passed to about $1,000 trillion billion. F***ing kill me now. Yeah, I can't even... Closing collections, huh? Can't even tell you an idea. I've just spent everything. $3,561.37. Never give her a credit card again, never let her have anything ever again. Everyone take everything away and stop enabling her, please. It's disgusting. Late 12 years f***ing f***ing f***ing everywhere whatsoever. It's horrible. 27 or 30% rate, depending. Yeah, because you were doing cash advances, of course you were! Lafies every single month last year. On this card. On the synchrony? Huh? You were looking out cash advances on whatever card I could. Yeah, you were. Yeah. Yeah, uh-huh. Yes, you were. I know. That's when I learned you can buy drugs with credit cards. I did it. Huh? So when I learned... Because when I learned you can buy drugs with credit cards... What was cash advances? You can. There's a little loophole there with the cash advances. So I take advantage of that. By the way, you are still an addict. Mm-hmm. I'm a recovering addict. You're not recovering. You're addicted to f***ing nicotine. I mean, wouldn't addict be able to go... I don't think an addict can go 24 hours. You just specifically told me you can't stop smoking weed or ulcer. You're gonna relapse on all the things. I don't think an addict can go 24 hours. You wouldn't relapse on everything else if you stopped doing that, though. You're afraid of stopping that because you're afraid to relapse on everything. I'm afraid that that might happen. You're certainly addicted to nicotine. Yes, definitely. When THC, you absolutely are. Come on. Ally Financial says it's in good standing. What is this? Ally Financial? That's my car. Well, that's how she paid it off. Ally Audit...what? What does it say? Ally Financial! Okay, what's the balance? 3,950. Uh... Yeah. Oh, it's the one they just paid off. Did they just pay this off? Yeah. You don't even know. Whatever. I'll cross it out and hope. Okay, time zero dollars. Time is great. I love time. $350. Free $350 using my link. Open that direct deposit. Okay. Oh, our... Yeah, checking account. Started with negative $3.50. Center with negative $46.39. That's just too wonderful. Yeah, money coming in from everywhere. Okay. Okay. Okay. Okay. I'm disgusted. You disgust me. You're a bad person. I'm not a bad person. You're objectively a bad person. I'm not a bad person. Objectively. This isn't... That doesn't make me a bad person. Yes, it does, actually. It really does. When you have a child with a roof that might go away over her head, or his head, and you have another one coming on the way, you're an objective bad person when you choose video game, and then bullshit, McDonald's, going against the bullshit, door dashing, subscription, subscription, bullshit, bullshit, bullshit, Taco Bell, bullshit, potentially groceries there, but probably not because you use food stamps a lot, but maybe. What's Zizekah Holdings? Z-I-Z-K-A Holdings, $12.50. I have no idea. It's all bullshit, and she's crying that she can't pay her mortgage. You're a bad person. Bad. I'm not a bad person. Yes, objectively, right here, bullshit. Go ahead and get in some bullshit. I... Amazon, shut the f*** up right now. You shut the f*** up. You are pathetic. You shut the f*** up. No, I have no idea. Never speak in my studio again. You disgust me. Legitimately, you disgust me as a mother. What is wrong with you? What is wrong with you? You're a pathetic waste of space. McDonald's, Amazon, Taco Bell, Smoke Shop, Subscription, Subscription. Go ahead and get in some bullshit. Go ahead and get in some bullshit. Go ahead and get in some chips or something from the gas station. Do box. F*** you. Amazon, Amazon, Door-dashing. Smoke Shop, Amazon, Taco Bell, getting bullshit, bullshit. McDonald's, bullshit. Go ahead and get in some f***ing snacks. Bullshit. This is so f***ing ridiculous. Door-dashing again, Wendy's, bullshit. Lots of zells back and forth. What's so disgusting? Open up your phone right now. Right now. Yeah, open up your phone. Okay, give me two seconds. Pathetic. What do you want? Give. Brood. It's because you upset me. You have children. This is disgusting. This is actually, heinously disgusting. I was checking again with $100 and it started with zero. It's all f***ing bullshit, Ken. Great. She's getting Hydra Boost. How absolutely necessary for life when we can't pay our f***ing... That's not mine. That's my sister's Amazon. Are you looking at Amazon? That's my sister's. Why do you have it? You have Amazon spending on here. Let me log into our Amazon. Smoke Shop, bullshit. Duncan, tobacco vape, bullshit, bullshit. Cash App, Spotify, Dairy Queen, bullshit. Logo on steak, a Starbucks, bullshit, bullshit. Dairy Queen, Dairy Queen, Dorn Ash, Smoke Shop. Get a Ford or mortgage. Has a child with another one on the way. Smoke Shop, but she's pregnant. Bullshit, Dorn Ash. Diaper Shop, that actually might be valid. The first f***ing thing. Amazon made the same thing. Bullshit, then zon out money to save her. Have you logged in or what? No. Why? Because I'm trying. Trying, you can't log in. You don't want to log in. You've never logged in on your life. The f*** is wrong with you. It's his Amazon. This is all he needs, bullshit. It was 20% of your spending. Unknown shopping, 22%. BS food, almost 8%. What a pathetic joke. Joke. I don't know why it's not letting me. Oh, you don't? You don't f***ing know? I'm trying. You don't know? I'm trying. $109, $109, payments $69. It would be more, but you're letting everything go away. Oh, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah. I think I got it. Utilities on a monthly basis, how much is that shit? Huh? Huh? Huh? Huh? I don't know. The $2,000, how many months has it been since you made a payment? Five. Same amount as my mortgage. We'll call utilities $400 a month. Phone bill, how much? I don't know, I don't pay it. Who does? It looks like, do helium if you need to, it's great at $15 a month, $15 a month, and that gets you the same services, T-Mobile. Same towers. Pretty sure it's like $8. It wraps, it's creams, it's bullshit. That's my postpartum stuff. Some kid stuff, some kid stuff, okay. Adult. It's my postpartum stuff. Okay, that's fine. Chords, headphones. We really need those. That's the lowest hand. Computer pads. Men's Jace. Yeah, he's a pussy. Not only is he a pussy, but he's a f***ing... He's a little... Little gay boy. Men's G-string thong underwear. Oh, f*** you, he's not gay. First of all, why is it insulting to be gay? Why can't a straight man wear a G-string? Why are you homophobic? I'm not homophobic, I like girls too. Why are you afraid of being gay? Yeah, zoom in on that, editor. Oh hey, oh yeah, lady. Men's G-string thong. And a straight man can't wear a G-string? No. Because his woman thinks it's hot? What is wrong with you, freak? Gaming mouse, this is all bullshit. So much bullshit. Well, you almost got a f***ing... Oh, there he goes. He got a nice little... Cock massager. And you got a vagina massager. Wedding band? Oh f***ing sake. Oh my gosh, he's getting... Oh, he got a replacement sleeve for his... And you know... Because you guys don't enough? No, it was for me to use on him. I use the machine for funsies. Okay, you need at least... I'm gonna round up, because it's a weird messy budget, $2,000 on your end to survive on a monthly basis. Unfortunately, you need to do that. Who's watching the kid when you're both working? We just... No, if you work at the same time. We don't work at the same time. F***, you need to though. Or he just needs to go grind his ass off now. Listen, bankruptcy might be in your future, foreclosure might be in your... This is all f***ing... I'm sorry, this is so f***ing... The reality? There is actually just one solution. One real answer. He needs to go work. He needs to go work 60, 70 hours a week. He needs to work as much as you can when he's not. And you guys don't really see each other for a while. We grind down this and we pay it off as much as possible. And we do use our tax money, my tax money, to pay off what we can and catch up on shit. And you got to put these kids above all else. That's really the only f***ing answer. That's the only answer. And you guys just need to stop being pathetic because you guys are being f***ing pathetic. We're going to call the sister and I think Mom and the post show it's going to be... I'm f***ing pissed and I'm going to go crazy on them. I'm also going to look through the cowardice text between her and her boyfriend. See what's going on there. See if we can see anything. So join us in the post show. Let's get the Hammer Financial Score. Spending in a budget, well you make no money. So you're spending on bullshit. Zero out of ten debt collection, zero out of ten emergency fund, zero out of ten retirement, zero out of ten. I didn't see that. Real estate. Well you're behind. Basically the lowest... It's two out of ten. That f***ing best. Which is how you're doing it because you're about to lose it. Hammer Financial Score right out to 0.5 out of ten. Get yours at Calebhammer.com. Join Hammer League for three free-man shows posted every single day Monday through Friday. Best membership on YouTube Monday through Saturday. Excuse me. Join us for the post show. You want to call your sister? Sure. I have an opinion and we are starting to collect an opinion of this group that the guy she's with is kind of a piece of s*** and she shouldn't be with him. I... I just have to say I do. And I mean with a baby on the way you think he'd be applying to anything, anything he can, but... And this guy is the biggest f***ing s***. I'm sorry. He can't take any sort of criticism?