Financial Audit's Most Evil Parents

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Our boyfriend has been living with us now for years and not paid a dime. They're just kinda two-faced in a way and they can be a little rude at times. Part of it too. I mean, I am tired of doing everything. I mean, I literally do all of it. He'll go to the gas station and he'll sit there in the bathroom for hours. Is this not all extra sketchy with spending an hour and a half in a McDonald's spending four hours at home in the bathroom? That would make me think drugs. I don't even know how I started vaping. I started vaping when I was 15, 16, something. What about you guys? This is a family of losers. You're a loser. You're a loser because you don't even interact with your family. Pretend 100% is you're walking out tomorrow, 0% is you would never even consider walking out where you're at. 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, take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, I'm Beth. I'm 21. I'm Amy. I'm 44. And I'm Nick. I'm 45. And we're from Little Rock, Arkansas. And this is Financial Audit. Okay, so I clarified before we started filming, they're not all f***ing... This isn't a threple. No. Which is what we had before. This is a daughter situation. Right. Which has never happened in the history of financial audit. So I'm very curious to learn what's going on here. However, I sat down and I was immediately whispered right here that they're already arguing before I even stepped in here about her mom won't pay off Beth's debt. You guys were arguing before we even started. Before I was even in here to see the argument. Yeah. It's not so much pay off my debt. It's just she thinks that she did a lot by telling me verbally what to do. I did. Which she would have pushed back a little bit more with the animals. To be transparent, we saw the statement and I said, ooh, $4,800. That's not my statement. This is your first time seeing the statement? Yes. Well, I knew it was a lot. I didn't know how much it was. And I tried to tell her from the very beginning when she got the credit card, pay it off, don't let it go through the roof and... Uh-huh. Yeah, here we are. Usually a good perspective to have. Why do I have a daughter and parents on this show? Because I've never had this. What the f*** is going on? So they needed the help. So I dragged them up here. We. Not her. They needed the help. Sure. Right. Yeah, is this true? I mean, we do, yes. But so does she. Why is she on the show? Because usually when parents need help, I have the parents on the show. Why are you on the show? I don't think mine's really that bad. A large portion of it. Why are you on the show? Yeah. She just didn't want to do it by herself. Yeah. I don't do anything by myself. Okay. I mean, I have... That they kind of brought you on with them. They want you to move out. You're not moving out. You're not even in a place to move out, but they want to get you the f*** out of the house. It's fine. So... Him specifically. How much financial audit. But she told me a month or so ago that she wasn't leaving the house. She wasn't going anywhere and that we were going to be stuck with her forever. Why are you saying we're a six-year-old? That was not okay with us because our boyfriend has been living with us now for years. Years? Paid a dime. Well, have we talked to boyfriend? Yes. What has boyfriend said? He doesn't think that the money that he would give would go to what it needs to go to. He thinks that it would matter if it's rent. Thank you. Not really, but... Why the f*** is he allowed to stay there? Why have you allowed him to stay there? His life upbringing wasn't that great. And so we took him in. Okay, well, that's okay. And kids, though. But are we taking him in or are we charging him rent? Which one is it? Well, so originally we took him in and then we asked him to pay, and it's not a lot, 100 bucks a month. That was it because we knew he didn't make a lot of money at the time and so he paid that for a few months and then it just kind of trickled off. My thing is we took him in when he was a kid, so therefore we didn't charge him rent because he was young. But he's an adult now, so it's like... But he dictated when to stop paying us and then I never went back and asked him to start paying again. It's been years now since I've gotten a dime from him, so... And you? So we've talked about it. You're the one that wants to amount a bit more. Well, I mean, I just think it's time. I moved out when I was 18, been on my own, handed myself. Well, it's fine. Doesn't mean they necessarily need me to buy. It was a very different time. It was. What was their friend specifically? It's just a lot more expensive now. In which case? Which aspect? Everything? I'm living. It's incorrect about everything. And now buying a house is more expensive. Yeah. That's more expensive. The cost of housing, healthcare, education is what it's gone of. The cost of everything else in terms of relation to percentage of income has gone down as in you buying food from when he was a kid. You buying groceries is down. And I've always been told not to rent. I've always been told to buy. And so... But you're telling her she can't move on unless she buys? But she's not renting either. But also with the amount of dollars that I have. But also it is the dual income household. It's you and the boyfriend. It's not just you moving out, right? So this is different than just kicking you out at 18? Yeah. With nothing? Yeah. Yeah. With the dogs and the animals, it would be hard for us to find somewhere to go. So they're at our house. You know what I mean? Yeah. Well, how many animals? I have six dogs and two ferrets. Okay. And had raccoons for a while. And I did have a raccoon. And see, we have a six year old son too that is at home. Oh, okay. They clearly watch you out because this is insane. Get the f*** out. And that's the... This is not your house. I don't care if you say they're through 25. It's like the parents are down with that. They're not. They want you to leave. I'm glad I'm getting lots of yes from you. But... It's very funny that they're saying that now because they've never said that to me before. Really? Dad has spoken it to me multiple times. I am the one who is... I'm okay with her staying with us until she's financially ready to move out. What does that look like? So, I don't... But I don't know that that will happen until she gets amazing work. I mean, we already know a lot of the guys are here. I know. I'm an enabler. Hold on. I'm glad you're both agreeing with me. That makes me feel absolutely thrilled and warm inside. Then why the f*** aren't you doing anything about it? Because I'm weak, I guess, when it comes to... But I... Beth specifically told Colton that nobody trusts each other in this family. And the boyfriend doesn't trust anybody in this family. So, if there is a lack of trust, if there is a lack of communication, if there is a lack of holding anyone accountable or just endlessly... If there's nothing here, we can't even trust each other? Well, I don't know. Then how do we get... Hang on. Now, I don't know where the trust issue came in. Well, it's just trusting, Beth. Well, yeah. The trust thing is with my dad. I don't have super bad trust issues with my mom. It's my dad that I have a lot of trust issues with. Why? Just because he's not around much. Why is that? Makes you not trust him? What is this not around? I do work quite a bit. He works quite a bit. Okay, that's working. Why is that trust? Okay, I think I know where she's going with this. It's the shop time. She runs in lots of motel things. Then what is this trust? He's like best friends with my uncle, and he's over there a lot. And so, I just don't like... What you saying Kim and his uncle are doing something weird? Then what is this trust thing? I'm confused how that equals trust. And if that rubs off on your boyfriend, and your boyfriend's not paying rent. So the boyfriend doesn't even respect the people that is keeping the roof over his head. He's not even paying anything in the lack of trust because he hangs out with your uncle, which is his brother or brother-in-law. Why should that pay you for paying rent anyway? Why does that matter what I do with the money? I can't see. Is that what it is? Is it about what he does with the money? I think so. What do you mean? You think so? You're the one that said you don't trust him. No, I don't have trust issues with them. No, you said you have trust issues with your dad. You literally just said that. You can't just pull that back now. I know where my trust issues come from with him. So I mean, I can speak to that because of the spending and spending habits. I mean, who's to say you go to the gas station and who's to say you're not taking additional $20 out or for what? Well, there's just a lot of gas station charges throughout the day. Why, what are you even kidding? I do spend a lot on just sundry items, you know, food, green cigarettes. Oh, tell you what you're killing yourself. I know. All right, buddy, listen. Here, take this. Here we go. Have this energy drink. Grandma's Ashes. Listen, they're very goony names, but Gamersubs is honestly absolutely delicious. Everyone that tries them absolutely loves them. So no more stopping and getting your bullshit. I can't make the SIGs work for you. That's nasty anyway. But take that. It's 40 cents a serving with my discount code, which is 10% off. Get your free samples, link in the description below at Gamersubs, just type in my code. But seriously, make your energy drinks at home. It's like making your coffee at home, man. It's delicious and it's the best way to save. So no more of this gas station, because yeah, I would get it. If she's, are you like running the house? I am. Okay, and then he's just taking money, taking money, taking money, taking money. And it's for who knows what the f... Yeah, I would have trust that she's there too, but why don't you bring up? Right. Like, what's going on? That's part of it too. I mean, I am tired of doing everything. I mean, I literally do all of it. There is little to no help at the home. I would argue with that. I don't think you can argue with it. There is no argument there, because I literally clean the house, cook the food, take care of the kids. Do work, but I will say, I will say when she does get help, But I'm not the only guilty one. It's not helping. I am a little overpowering. I get that. No, I was going to say is that even when she does get help, she usually backtracks and does it herself anyways, because she likes it done a specific way. But if you... He took some money from the account. Is this your personal account, or is this a shared account? A shared account. Okay, so it's not taking money from your account. But I am the breadwinner, so... Really? I am. Yeah, she makes good money. I mean, she makes good money. What do you do for a living? I work for a transport company, tow truck. Okay. What do you make? It's a 1099, so it fluctuates anywhere between 7000 to 1,000 a week, roughly. Anywhere between 40, 45,000 a year? That? Her gross. Well, so it's 1099. Are you setting adequate money aside for taxes? Any financial... No. What? She's just shaking her head. How do you even know? Because me and my mom, we talk a lot about finances. Are you... I'm not setting money aside. You know that? I'm kind of... Are you sending? For taxes? Oh, no, no, no, no, no. Are you venting to your daughter about your husband's finances, about her father's finances, to your daughter? It's a bit odd, isn't it? About the expenses? Yes. How much he spends on a daily basis is outrageous. I mean, if you're paycheck... Stuff like this, what do you mean? Hang on. If you're paycheck without tax being taken out is 7000 to 1,000 a week, and you go to the gas station and you spend $200 a day, and I'm not exaggerating, it can be up to that much, your paycheck is not 702,000. This is... Yeah, this is a mess. And listen, I do have a note that Amy was talking about how she is threatened to leave multiple times. Did you even know this? I did, T. Yeah. You know this. No, I know. He knows this. No, did you know this? She was present. You were present? Why? She was older. Why would we have that... Because she lives there. I mean... Yeah, but go somewhere, you freaks. What the f***? Why do you want to do that in front of your daughter? Intervention type of situation. Tell me what happened. This is important. He was... making not so great choices. What were you doing? Nickel this? Just... had issues. Who's going to say something? Who's going to tell me what the f*** is going on? In the small house with six people. He had a drug problem about four... well, five, six years ago. That's when you threatened to leave nothing sooner? No, that was when I threatened. It was either rehab or I was leaving. Oh, good f***. And? Went to rehab. Good. I'm happy to hear that. Yes, that was... So she was there because it was kind of an intervention type thing. And they pulled me in the room. And she was old enough. And I automatically thought it was just a divorce because I had no idea of anything. Because I was going away for three days. The f*** are you doing? Which one? Was I not? Huh? Really? All of them? I mean, not all of them, but... and Wade and all that was... Oh, yeah, Matt and Wade. Yeah, yeah. You've been clean ever since? Good lad. Happy to hear that. What a dysfunctional household, huh? How big is this house with six people and a thousand animals? So we have six dogs, two ferrets, five people under the roof. It's a three bedroom trailer, which one? 183 A trailer? But we don't even have that now because a tree fell on our house. A tree fell on our house. So we had... So Sunday night, straight line win. Sunday! Sunday. This Sunday! This Sunday. Oh f***, what do you guys live now? We're couch-hopping at the moment. Living with my... Basically? Staying with my parents at the moment. And with all the animals? Why do you want to live there? Why haven't you tried to get the f*** out? Now I'm putting more blame on you. What the f*** is wrong with you? Why are you staying there? I would want to escape immediately, drive away. What are we talking about? We had an intervention five years ago. What were you, like, 17? Like, what the f*** were we doing? Your boyfriend, don't you want intimate, private space with your boyfriend as in him sticking it inside of her? And... Okay, I have no rent. And that's been walked in on a few times. That's T-Mot. You walk in on them, diddlin'? I knocked on the door. I knocked on the door. And it was... Girl, how is that not dramatic enough to get the f*** out? Because it's free rent and I've messed up my credit card. Free rent and no privacy and a thousand animals and a trailer that doesn't even exist anymore. We're interventions and no fight or trust happen. Free rent is worth that? I put myself in a position where I can't. And what's that? What about you and your boyfriend, though? What the f*** is your boyfriend doing? Maybe he should be the fourth one at this table. He should be. What, is he a coward? Yeah. I got a strong yes for him. He couldn't get off work. He's... He's a... I don't think he wants to be called out because he knows he's in the wrong by not paying rent and not... Yeah, he's an adult, so... I don't think he thinks that not paying rent is really that big of a deal. He should. Well, I think you're in love. Well, yeah. So you probably can't see much bad from that side. Yeah. This is a mess, isn't it? Okay, there's the other kid, very young kid. Six. Which also lines up with, I mean, you were... Like, you were f***ed up when this kid was born? Yeah. Yeah. Wow. You were vibing with that? Well, she didn't know. It's okay, because it's good now. You were hiding that? You can hide that well. Not well enough. Not well enough. No, he thought he was. He thought he was, but no, I knew. How long was it? Been a long time. Huh? Did it for a long time. Really? How'd you find out? I found it a couple times. Couple times? Over the years. And... You guys did the intervention, I really am. But I found it a couple times. But it had to come to that for me to... And it was, because he wasn't going to, and I knew that. And he wasn't going to work. Because I threatened. All I did was empty threats, which was enabling him, and I'd get that. If we're kind of doing that here with something that's not as bad, obviously, but I feel like we're kind of getting that here. You guys are pushing more so him to get her to move the f*** out, but we're not really actually doing anything to achieve this. Well, now she has no choice but to, because we don't have a home. Yeah, we don't have a home. Yeah, but you're living with your mother. It's just going to be another situation where it's like we could just do it comfortably. Yes and no. They're... Yes and no. They're different people. They... What? They're just kind of two-faced in a way, and they can be a little rude at times, and it's not something that we want to... I think they can be challenging, but that's how parents are. But it's because they don't want to sleep in their home. Yeah, and I get that. Yeah. We're invading their space. I mean, granted, given the situation. Y'all should feel the same to us, that y'all are invading our space. Well, yeah, but y'all haven't made me feel that way. I'm sure if y'all did make... I have to try the N, I guess, huh? Well, you're never home to tell me that anyways. You're never home? No. I work a lot, man. He's not. He works weird hours. To bring in... I'm sorry, what was your N, again, on a monthly basis? No. Yeah, what comes in on a monthly basis before we set aside money for taxes, which we don't. What? Anywhere, I mean, if you went with the 1,000, which has been a while since that's happened, and hit 1,000, that'd be 4,000, but... I'm probably putting it in 60, five hours a week, roughly. Okay, and crashing your tow truck, I'm being told. I've done it. Yeah. Once. The tow truck. Yeah. And hanging out with the uncle. There was no drug problems with the uncle, right? No. Okay, good. But that was what? Yeah, I think you had two accidents, actually. Well, on the dump truck. Oh, the dump truck. The Vietnam tow truck. So I'm confused. 4,000 hits as a count on a monthly basis. Correct. Okay. What are you doing, Amy? I'm an office manager. Okay, what do you make? I just currently got a raise, so I make 82,000 a year. Damn! That's why I say that. Why are we intertrailer? So there's a long story behind that, but... I don't need that. But Little Rock is not an expensive place. No. So we purchased the five acres right next to my parents. So we're already up in their space anyway. Right. And they love it. They like it. They were two homes. I thought you said they're two-faced. They are, but they do love it. They're two-faced, but they love it. It's my grandpa. My grandpa was great. Yeah, what's your grandpa doing? Being a grandpa. It's just being a douche. The words that he uses. What was he saying? He tries to hit somebody off. What's he saying to you? He likes to stir the pot. This week. We've been living with him. And the remote, he couldn't find the remote. So he texts in the family group chat asking. And everybody says no. And then what did he say? He said he's not the only one living there now. He just likes these little jabs. Now I think he is 68. But he doesn't act that way with me. But he doesn't. And I don't think he real... I think she is just negative towards it and took that as... Because he's always negative. Yeah. Right, but I think you took that wrong. I don't think that he meant anything by it. But he's not wrong. He's not the only one living there. So yeah, what hits your account per month? 1148 a week is what I make. Okay. Okay, so... Gross or net? Net. Call intensity divided by 12, average it out. Cool, just about $4,974. Very good. And then I also... So on top of the 82,000, we just started one of two people that got put into a profit sharing at the company. Oh, you are. So I am one of two. Okay, why? So they were doing some restructuring. And for people that have been there, I've been there for almost 15 years. And so they were doing it as like an incentive or extra. But this is so new that I don't know what that's gonna entail. Beth, what do you do? I am a teller at the bank. And I make about $2,500 a month. Net? Okay, okay, what does the boyfriend do? You could move all on Little Rock with that. Wouldn't it be a little tight, but you could. Yes, and he sprays for bugs. Yeah, he sprays. I got those people that come over. Mosquito technician, and he makes about... He just got his lowest paycheck today, and that was $7. Why? Because it's ours? No, so he makes commission or ours, so lowest is $21. Okay, so what's his average? We're not combined, so I really don't know. Okay, what are we trying to do here? You've been with him for four years, what are we trying to do? Six. Because I want six years. I'm trying to get you the f*** for this house. And actually start your life. And he really wants this to happen. Like, I don't know, you're dead. He wants you to come over. Yeah. He wants you to come over, but does not live there forever. Yeah, we've been talking, me and him, because we're trying to get a trailer. What is this trailer obsession? What are you guys doing trailer stuff? So, hang on, so as far as we go, when we bought the five acres, there were two houses on the property. One was a trailer, one was a house. And then the shop. They had it, well, it's an older home. It's huge, but in its five bedroom, two bath, two living, upstairs. Okay, but somebody was already in there renting it, so we already had a renter there. But why aren't you guys there? There's so much work need to be done. Because the renter destroyed it. Well, the renter destroyed it. Why are you trying to get a trailer? Is that on the same property? It would be on the same. So you're not really moving out, you're just becoming an extra neighbor, essentially. Yeah. Like, what do you mean? I can live with that. I can live with the next door neighbor. Do you not want any independence or, like, I'm so confused. Do you want to, like, go live your life at all? Not really. Why? Because if my mom ever needs anything. It's good to get some life experience and world experience. You can go home, even if you live on the other side of the city. I'm not saying move to California, but, like. I just like being close. Little rock's not that big. But why would you leave if you got your rent paid for and also, you know, I mean, third? Well, I agree. I'm trying to get her to, so she could get some life experience and learn some discipline. Yeah, I mean, we are, we went and applied for trailer loans. Already? You and the boyfriend, you don't even know what he makes. You can't even tell me. No, but. That is true. Yeah, I agree. I don't know what he makes. I am. But he, I know he makes significant more than me. So he's out selling right now. I'm sorry. He's out selling right now. Working. Then we're calling him in the post show. Okay. He's a big part of this conversation. He is. Yeah. He's not even respecting your parents at all. No, he's bought a few things. And he helps her in the house. As far as, like, back you. You guys like him living there? He's going to say no, but they're best friends. They don't know about best friends. But we're friends. I'll tell you, he's grown from a child to at least an older child. Well, he's gotten better over the years. So I can deal with him. And we started out as a, because we felt he needed a better home. But that was when he was a kid, you know. Why'd you pull the f***ing, like, come on. You pulled the step, the step sister f***ing video on it. You totally did. You're like, oh, no step brother. I'm not wearing panties right now. You're f***ing your step brother. No. They brought him in as a f***ing f***ing. Well, we didn't even know he wasn't his brother for a while. OK, but that's because he was in the bit. Yeah. You suck with money. So you download a budgeting app. You start with the classic one. Why NAP? 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 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. Spills by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial, dollar wise.com. Link in the description below. 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 gamer subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. But that's because he's itty bitty and he's been around since he was itty bitty. But that's because... How it it it bitty? He was like, well, if it's six years, he would have been one. He's been a lot of men. Yeah, my son. Wait, wait, wait. Who are we talking about? Our son. Yeah, our son. My brother. Brother. It was one when we started dating. Yes, no, no, no, no. So how long has this other person been there? He has been there for basically the whole six years that we've been together. We were together for four months. So you did. You did pull this like step brother thing. We were friends before he... Friends. Friends. Yeah. Then he moves in and you started sleeping with the guy that moved in. We were dating for four months. We said friends. Well, yeah, we were friends and then we started dating for four months and then he moved in. And he's been with us since. And you wanted to move in the guy she was dating? At like 15, 16? We didn't want to and we didn't know. It kind of just happened. He stayed the night one night and then he went home and then he stayed the night again and just never left. But to get his home life was horrible. I mean, so... Which I get that, but also just dating your daughter too. It wasn't like that. It's like you're an adult, move out. You know, we're not our kids. We don't agree with that. You know. You can't even tell me how much money he's making yet. You're trying to get on a loan with him right now for a trailer. I know he makes... I just don't know. What? You just told me his last paycheck was 700. And that's the lowest because it's when it rains? Well, it is the average eight. Like I don't know and you can't give me a number. I mean, I know there's lots of... There's lots of drama and whatnot. And this house and this house is chaotic. And you guys just got in a big fight over... Over... You took money from the joint account. And you gave it to your brother or her brother. You gave it to her brother. He does it with friends too. It's not just my brother. So she's trying to manage the household finances and you just take money out of that and just give it to people. Not only does he take money and give it to other people, but he also takes money and uses it for gambling, which I'm not saying that she doesn't either. It's in trans. But... Yep. What the f*** are you doing gambling? Why? What are you doing? What is this gambling? What does it look like? It's online. The online gambling slot machine. Slot machine online? Yeah. How much are you spending on this? Way too much. How much? Honestly, I don't know. I don't know anything about our finances, really. That's the bad thing. Wait, you like it too? I do. Yeah. Well, now we know why we're still in a trailer. Which probably just is bad. Well, I... I'm being told thousands a week. Now I understand why we're making no progress in life. Correct. Yes. Okay. I mean, this must be devastating to see her parents to do that. I would f***ing... I don't f***ing mind. Well, it's... Yeah, it's thousands a week, but some of that, I mean, there are winnings to it. I mean, I want 60,000... Not even close to net, though. Well, she did... Probably break the interest point. Yeah, but if they're doing thousands a week, net would still be negative. Yes. And I agree. It's definitely... Especially on slots. That's probably the only reason... That's one of the most addictive things. It's probably the only reason I even know about the financial situation because she won the 60 grand. If she wouldn't have won that... Like, I built a budget for them... After she spent how many tens of thousands? Yeah, that was a year ago. But... Wait, you gotta double that because I'm doing this thing. And he's not won 60 grand. No, I didn't win. But he... I think mine right now is probably the worst. Is this sitting there just like next to each other just... Any downtime? Any downtime? He'll be in the bathroom playing it? What the f***? Well, yeah. He has more downtime than me, so... How? I thought you just said you work like 80 hours a week. Right. What? Where's the downtime? Well, he... Okay, well, when he works, he'll go to the gas station and he will sit at either McDonald's or the gas station. No, not sometimes. It's all the time. And he'll sit there in the bathroom for hours. You will watch Life 360 and he will be at the same location for an hour and a half. Gambling, watching YouTube. I don't know what he's doing in there. He'll do the same thing when he gets home. He'll sit in the bathroom for four hours. When the train came through the house, he was on the pot. That would make me think drugs. No. No, I think he's a gambling. In the bathroom? It's how you train one addiction for the other, right? So this is why Beth thinks you don't want to be around them? No. Correct. Go, baby. I do too. I mean, we feel that way. Do you not want to be around them? No, I don't think he does. I don't. I think he wants no responsibility in life. Like he has little, you know. I didn't have little responsibility. Little responsibility. The only thing he has to do is get my son on the bus in the morning. And I light everything out. I have his lunch ready to go. I have his backpack. To get responsible. His clothes are laid out. You literally have to get him dressed and on the bus. That's it. OK. That's it. That's little to no responsibility. You don't cook. You don't clean. You don't take care of the bills. You don't take care of anything. I understand that I cook. But it'd be nice to have a break every now and again. The last time that he did something he swept and she came behind him. Yeah. OK. When I try, I've tried to take responsibility quote unquote from her so she could have a lesser amount of responsibility and she doesn't want to give it up. She is. Or she gives it up and then she comes right behind me and I didn't do it right. So. Well, he didn't know that. So thanks. But it was funny. I had to throw it in there. You have sex with your step brother. But. Yes, she's very not not controlling, but she does like I know my position. Yeah, but every time there was an onboarding call, you were too busy to join any of them. That's right. He thought he had nothing important to say. How that's for us to determine. Like as far as financial stuff, I have no clue. Like, like I don't know what's the problem until she calls me and says, hey, don't spend any money on this account or don't. Yeah. Well, why don't you just tell him he's not allowed to go gift other money to people? So what is this that I want to get back to that? What is that? What is happening? So I'm so well, my brother also has a gambling addiction. He's the one that showed it to you in her trailer on the property. No, he's in. No, he might as well. Yeah, he's in a. He's the one that showed the game to them. So he pays little to no rent, but he also got like a family repossessed. Her parents, her family owns a lot of things. So he's the one who got my husband initially on to the gambling app. What is the app? I don't know if he did. I don't know. I don't know. I'm just gonna give him a thumbs up in the back. And it started probably about three, three and a half years ago when that happened. Well, where I'm going with it, as far as going back to my brother and the money lending, he spends all his money on gambling or whatever. Well, living at home, basically with the parents on their property. Pays. Hey, he pays next to nothing. He lives at my family of losers. I'm sorry, right? You're a loser. You're a loser. I mean, you work, but you sit in the. You don't even interact with your family. His brother's a loser. Your grandpa's a loser. And you delegate like a loser. You don't delegate. I know. And then you complain about not delegating. And I know I'm going to name. No, you don't delegate. And then you complain about how no one does anything after you don't delegate because you complain about delegate. Because if I don't, right? No, because if I delegate, I've delegated for him to take the trash out and he won't do it. It'll sit for a day. Why? Why don't you take out the trash? Because whenever I, when I say I want something and I delegate, I want it done right then, not three hours from now. Well, that's not how everything works. I mean, if you say, hey, can you take out the trash? Well, then I can do it myself. Okay. Well, then that's fair because we don't get to just demand something's done in the second. Thank you. Yeah. Like I agree, don't take a whole day, but hey, can you take out the trash this afternoon? Right. Or I don't know. No, no, no. So I asked him to do the floors for me. It took him three days. But it doesn't matter. It took him three days. We were sitting there walking on dog hair for three days. And then I came home from Oregon and did it. And then I came behind you and redid it. Yeah, redid it. I was laughing. She was just. Okay. So how much does he give into the brother? Not a lot. It's not a big fight that came from. Well, it's an inconvenient time. A couple weeks. I didn't tell her ahead of time. Tell me what happened. No. Tell me what happened. So I saw that there was money given to my brother through our account because he will cash app it to him. I've been told not to do it. And I have to pay it. So how am I supposed to say no to the brother-in-law? You know, because we're friends. No. I practically. Without being a dick. Beg him. This is who you can't. I beg him to not give my brother and his friend money. And he does it anyway. So what is the point of me? He does pay it back. But he pays it two weeks. Three weeks later. Yeah. And so by that time we need it way soon. Which is why I. And the problem is I don't know our finances. So I don't know what position we're at. But if I ask you not to do it, repeatedly have asked you not to do it. Repeatedly begged you not to do it. And the very next day you're doing it. So why does just a battle I'm never going to win. What's up? I just can't be a dick. I know you're not walking out the door. But gut, pretend 100% is you're walking out tomorrow, 0% as you would never even consider walking out. Give me where you're at. 100% I'm not walking out. So 0% 0% really. So you would be willing to put up with any of this forever for the rest of your life, not a single not even 1%. Yeah, I wouldn't do it. That's crazy. I mean, you are. What do you mean? I mean, not with high. No, I'm saying everything that's going now. I'm not going back to what was happening in the past. I mean, I love him. He's the father of my children. Yeah, but just had to open up another bank account so we couldn't have access to it. That's not screaming trust. That's not screaming bond for life. That's crazy. Your daughter knows more about the household finances than he does. That is true. But he's not there. And I have. And yet you're not even considering 1% I have tried to go over finances with him a few times. Yeah, you're at 0%. There is. Really? Well, I don't want my life. Yeah, I agree. I'm not saying it should be at 100%, but there's a lot in between there. Zero percent is crazy with someone who's never there. Well, when the when the drugs were in place, yes, I was there. She was. I was at a higher level. But no, he's never there. You have a young kid. Young kid. Yeah. It is the young kid. I would want you to be there. And I try. I try and get there. Anytime I'm not working. Yeah, when I'm not working. The other day. Perfect example. The other day he was going to be going 45 minutes away and back and my son and I were sitting there and I was like, Hey, it's Friday night. You know, when dad goes back to the shop, when he's got to go make the run, we'll just go with them because it was like seven o'clock Friday night. We could spend some time together since they don't spend a lot of time together. We as a family don't. And I was like, well, when you're, you're when your dad calls me because he was supposed to, we'll go ride with them. That phone call never came. Why? And then I called him and he was already at the location. So it was to me, it was an ample opportunity for us to spend time together when we haven't been able to. And yeah, that kind of hurt. I thought I could get done and enough time to be home and spend some time and it didn't work out that way. So I should have gone. There's. Yeah, that's my fault. He doesn't answer his phone. I'm bad about not making fun of him. Because he doesn't, his phone will die. There. We won't know where he's at. Um, is this now all extra extra sketchy was spending like an hour and a half in McDonald's spending four hours at home in the bathroom and phone dying all the time? I usually get. That's a sweet, sweet sketchy. I think that he traded one addiction for the other. Probably. I do get a lot of time on the phone. Probably. Well, he watches YouTube. Yeah. YouTube videos. Oh my goodness. It's. He plays it at full volume and he'll sit there and laugh. Oh, you're like an immigrant. So loud. I'm immature when it comes to. Oh, very much so. Yeah. Yeah. It comes to the videos. Yeah. I just wish some of that of time of videos and gambling were put towards us as opposed to that. Yes. And why aren't you? She has expressed this, I assume. I have. She has. Well, there's, there's, I have a shop too on the property. Like, and I spent a lot of time in the shop doing things. How would you just try to spend a little bit with the family? I'm not saying every ounce of every day every second. But also every time they bring up any issues, if she complains, if he complains or everything, you're, you immediately just get defensive and say that they're calling you a bad mom as well. So it's not just all on him. You're immediately defensive. You shut people down and you go at it. I'm being told from the pre-interview phone calls. So you bring up complaints and she just shuts you down with your calling me a bad mom. It's not, she does hear me out, but she tries to spin it as if I'm calling out her person, her character. We're in a situation, we were in a trailer that had, you know, not the best living situation and due to that, she thought that I was calling her a bad mom. I'm not. Well, because she would. The situation because there's. It's the way it made me feel. It was the comments that were made about the home and it's like, well, if I could change that situation, I would. And I get it. I know the gambling. We've maybe, maybe we weren't going to be in the situation or could be out of the situation. Um, but. It was the words that, that made me feel like I'm a bad mom. I'm just so confused why we even need to live there. The median home sales price in Little Rock as of February of this year. So last month, $247,000. You guys's income is incredible. You can totally qualify for something reasonable. The median sales price. Our plan was buying property and building after. Why do we have to do that? Why do we have to do that when we're already in? Well, okay. We own the property now. Right. Okay. And it's five acres, right? Yeah. Five acres. And we love this property. It's right next door to her parents. So it's so. Okay. So I inherit. Once my grandparents pass away, I inherit that five acres that my grandparents were on. You're creaming for that, I guess. I don't know. Like what? I was just saying they'll be on the property right next to me. So it'd be nice to have our family just right there together. It's not. You know, you can be down the street. I grew up like a five minute drive from my grandparents and it still felt like we were close. It's fine. I know. Okay. Like you're allowed to. Okay. You're never going to leave. No, no, no, no. You're never going to have any. No, I mean, this is as clear as this. She's really not going to. I really don't think so. Well, life is so short. You see that? Well, I am. I'm okay with her being close to me. I am. Close is different. Not in the same house. Well, not in the same house. She's never going to learn any skills. I know. I definitely know. That's one thing. I told her, I sit, because my little brother, I know nothing about money. Once I was able to, you know, go out on my own and deal with money, I had no idea what I was doing. And so I was trying to tell her, hey, my little brother's young. Try and teach him like, and. Which one? Little stepbrother or little brother? Little brother. Okay. Which is true. If she wanted something, she got it. I was definitely there. There's another. She never did without. So she wanted it. She got it. So the whole neighbor thing. I didn't see it. It goes all the way down. Okay. I got to get into these numbers because we're going to be here for a thousand years. What do we think this household financial situation score? Actually, what do you think your financial score is zero to 10, zero being the absolute best, zero being the absolute worst, 10 being the absolute best. Just like a two. And what do you guys think your household is? Six, seven, maybe? Let's kill them. Let's kill this guy. Let's beat them to death with hammers. Okay. But I also do have to mention because of the ignorance with financials, I also did accidentally open up a credit card at the beginning of the month. Accidentally? I did. I was trying. Accidentally. What the f**k are you talking about? Accidentally. So I was looking at pre-qualified cards and I was trying to see what the limit they would give me. And so they should go one. So then I clicked on it. You applied to get the limit. Oh my goodness. Are you talking about the most recent? Not a child. Yeah. She did that because somebody told her, now listen, somebody told her, not me. Somebody told her that if she were to open another credit card, the in, it would balance out my credit balance a little bit better. It would up her credit score by getting more credit. So that's why she did it. I was looking. I wasn't actually going to do it just now. I was just trying to look. She did. She accidentally did. Go on to your Hammer Financial Score, get it for free at CalebHambra.com. It's free and it only takes a few minutes to see where you stand in the world of money, where you're doing poorly and where you're doing great. And if you don't want to be like the guests that end up on the show, if you want to actually fix your money, like tens of thousands of monthly active uses are you got to download the down the wise budgeting app. You can go to the website, down the wise.com or download link in the description below. Most people take the free trial. They love it. They sign up for the annual version because it says 50%. And when you do, you get my 30 day detailed meal plan so that you can no longer complain about not being able to forward doing meal plans and making meal plans and having snacks and drinks because we make all your snacks and drinks and multiple meals at all your meals for the day right here. And I'll sign it. Like I did this one. I'll mail it directly to you. So you guys have this. Cool. So teach them, especially you, you'll have a detailed meal plan in there. Okay. I can't cook. I mean, no, I can. There you go. I mean, it's as easy as ever, man. It really is. Really is. You can keep that on the table if you want. Okay. Your signature looks like the Chick-fil-A logo. I have heard that. Oh, it does. Yeah. Oh, I'm going to need to know who, oh my. Are you kidding me? And I do know that first one is mine because. Well, that's what I was going to ask. Okay. So this is Beth's capital one quick silver. What is going on here? Oh, my first spending so much money spending way more money than you're putting towards it. And I'm also putting a ton. Basically maxed out. Yeah, but it doesn't matter when you replenish it. You're just offsetting that. You didn't actually make any progress. You make any progress. $4,863.39. How does that make you feel when you hear that? Your daughter, 21 year old, not even moving out, has every blessing in the world with no actual overhead cost in her life. Has a maxed out 5,000 hour credit card with 167 hours a month as a minimum monthly payment. She only does minimums and doesn't purchase, which is incapable of both. It takes 21 years for her to pay the soft. She will be 42 years old, 42 years old. And then maybe she'll finally get her ass out of the house. This is what I tried to prevent from happening. I did. And how'd you do that? When she got her first credit card with this one, I told her, I said, this is how it works. That was it. That's all you did. It said credit cards are. No, I said this is how it works. Well, her limits gone up. Can't teach her how to budget. Well, her limit's gone up. Okay. Well, if you actually taught her how to work and taught her how to budget and taught her how to make the payments, the balance of the single month, it wouldn't matter at the balance when I heard all the limits. The credit limit. Right. I did tell her, I said, if you put something on it, pay it off. It's going to help build your credit. So the whole point in her getting it was so that she could use it and put gas on it a couple of times through the month, pay it off, you know, before the due date. That did not happen. I did tell her that that's what she needs to do. Cause clearly I'm in a situation where I can advise her on what not to do. Okay. You tell me. She just didn't listen. I don't, I think I did really good with it at first, of course, as everybody does. And then I, there was a raccoon that fell out of the tree behind the house and we kind of took it in and kept it for a couple months. And then my dog pregnant. So she was expensive. I was your dog pregnant. I was your dog. I fixed you freak. Well, I was trying to wait. The first thing you're supposed to do. Well, she's a purebred rottweiler and I was trying to wait until her growth plates were done growing and then get her fixed. But my boyfriend's dog is also not fixed. Well, fix that one. Obviously the balls are easy. He's too old now. He was too old then? Yes. How old? Seven, eight. Okay. I don't know. So they, she got pregnant and the puppies were expensive. I probably spent about 3000 just on the puppies. Where'd they go? They all, well, we kept one, but the other ones, they went to their homes. You guys happy in this house? No. This is insane. And no, it's crazy. That's crazy. I would lock myself in the bathroom. Yeah. Thank you. And go to the workshop. I mean, this place is, this place sounds insane. It, it definitely is. I won't disagree with it, but. Well, you're the one doing it. Yeah. And they shouldn't even get you out. You know what I mean? Huh? I said, then throw a six year old on top of it. Yeah. But the puppies were a lot and then I got two ferrets, which I definitely shouldn't have done. No. Yeah, they were 300 and 400 dollars each. You have, you have 120 dollars of interest occurring on this in a monthly basis and it's all bullshit. It's all bullshit. Walmart, Walmart, Amazon, Amazon, Amazon, Amazon Academy Sports. Peco, I mean, that's okay, but it's insanely expensive. And to put it on credit card that accrues interest that we can't pay off is dumb. How much is that one? 244. Okay. I think that was. Yeah. That's how much she spends on golf. That was a cage. That was a cage. But even still, you got to get food and shit on top of it. I know that. Apple bill, Amazon, Amazon, Apple, Netflix, Sonic, Sonic. Mastermind escape, 61 dollars. Amazon, this is all bullshit. Going in and getting some bullshit. Smoke palace. Yeah, I do have a vaping addiction. Why? Why do you want everything to be the worst in life that you can possibly do? Like, why? Why do you just want everything to be the actual worst? I really don't understand. I don't even know how I started vaping. I started vaping when I was like 15, 16, something. What are you guys? What are the f*** are you guys? They were very lenient with me. I had. With vaping? Well, no, just letting me go out and do what I wanted to do. All right. Every business owner I talk to right now is obsessed with AI. And I get it. Everyone's like, we should just try using AI. But nobody wants to be the one guessing and lighting money on fire, which is exactly why I like today's sponsor NetSuite by Oracle. Here's the reality. Your competitors are already making moves. 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Raise your hand if you've been putting off a dentist appointment, a yearly checkup, or honestly, any doctor visit. Yeah, same here. When something feels off, I usually do scroll my symptoms. He invents myself, I have something rare, take three vitamins and then just hope it magically fixes itself. But that's exactly why I like today's sponsor, ZockDoc. ZockDoc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. We are talking about booking in network appointments with more than 150,000 providers across all 50 states. If you're looking for dermatology, dentistry, primary care, eye care, or one of the 200 plus specialties offered on ZockDoc, you can easily search by specialty or symptom to build the care team that is right for you. Want to see your doctor in person? Great. Prefer a video visit? You can do that too. You can also read thousands of verified patient reviews, see real time availability and book instantly. No phone tag, no waiting around. Most appointments happen within 24 to 72 hours and sometimes even the same day. I use this and you should too. So stop putting off those doctor's appointments and go to ZockDoc.com slash Caleb to find it in instantly book a doctor you love today. That is ZocDoc.com slash Caleb Zock.com slash Caleb. Thanks again to ZockDoc for sponsoring this message. Let's get back to the video. Well, I mean, I don't advocate for helicopter parenting. I think most don't these days, but even though some people do it, but I don't, I think we still make sure they don't vape. Well, she was also, I think she used it as kind of an escape goat a little bit because she was going through therapy and stuff. And so, you know, maybe it was maybe, maybe it was, you know, her way to chill and relax and, you know, instead of, you know, I don't do anything else though. Yeah, I was going to say, it's horrible. Instead of smoking weed, it's expensive. I can't smoke weed. True. And then on top of that, she'll ask me for like gas money and stuff because she's maxed out and she needs. Yeah, I'm babes. Seven brew coffee, Arby's seven brew coffee. She's addicted. Microsoft Rames Plus. She's. Microsoft Rames. Oh, that's Minecraft. It is Minecraft. She's vaping. I think I can answer that. She's vaping in Minecraft and no. Oh. No. Oh, she's again. Sonic, Amazon, Amazon, Amazon, Amazon, Amazon, and these ice cream bullshit. Amazon, Amazon, Amazon, Smoke Palace, Amazon. Uh. Yeah, premium. No, no prime time. I don't even know what that is. Well, she's got an energy drink. Sonic Chick-fil-A. Addiction. You do too. Bad Red Bull. Whoa, I'm serious. What the f*** is wrong with you guys? Okay, this one's chug juice. Make it at home! It tastes better than your energy drink bullshit anyway because every guest has confirmed that once they've tried it. I was drinking two in a... 40 cents. Well, Monster is where she started. You can do as many as you want. You can do as many as you want. There's 100 servings in there. It is 40 cents a serving. Yeah, that's awesome. I was doing two monsters a day. There you go. And then I started having... How you doing? Two scoops a day. Well, she was having hard problems. Okay, Apple Music Rock, my fitness pal, Twitch subscription. Okay, well, you had our thank you tier, which is kind of stupid because the Hammer elites that are the best one on YouTube. I did do that for a little bit. And on premium. Well, no, you still have it now, but I would just rather get elite because it's better value. So many more shows. Well, are you looking up subscriptions? Mm-hmm. Well, I pay the subscriptions. She pays me for them, but they're all in that clipboard. Yeah. That's so stupid. But she doesn't use the money. Well, she doesn't use the money that I give her to pay on her credit card. She's rather expensive. And you're worried about me not using the money right? Well, pants, a 12-inch subwoofer. Oh, yeah. I love my subs, but they're broken right now. Bro, you're getting this shit. Well, Max, I want your credit card, city passenger airplane. I'm going to assume this for the kid. Yes. Oh, my gosh. Another 12-inch subwoofer. Seamless sports bra, more flight things. And let's no show seamless thongs. What? I don't know if those are yours or mine. I think mine. I think those are hers. You go ahead. This is just insane. You just spend so much money. I don't get it. To not pay rent. To not pay rent. Okay, who's capital one click silver is this? Oh, goodness. $2,952.60. I believe that's his. I think it originally started as a Walmart card and then capital one took it over. All right. Father like daughter, 2,900. Any cards that are in my name? Mine. They're here. Who is this then? Oh, but it's in his name. It's in his name. What the fuck is wrong with you, dude? Again, like you, you only make the minimum through payment, yet you're purchasing on it while it's a crumming interest. $96 a month, $2,952.60. Takes 15 years to pay off. Your youngest will be out of high school. It will be 80. It's over maxed out. It's over maxed out on your credit. She has an over max. I thought he was the bad one for taking money from your account, but you go from his credit and over maxed out a card. Now I understand why we don't trust anyone in this house. Okay. Here's the thing. I have to get credit because he spends from the checking account. So it's my fault. I was saying it's all your fault. No, it's my fault. I don't think anyone takes accountability in this household. For anything. No argument on the side, I guess. Okay. What is credit fresh line of credit? Oh, goodness. $4,500 out. No, there's $2,000 and then $2,500. Yes. What is this? So probably a month ago is when... So it's a line of credit. Yeah. But I was told it was closed. So when I won the $60,000, right, I didn't say closed. It was paid off. It was paid off. So I paid all of the line of credit and personal loans that we had. And then... This accumulated in a year? No, that accumulated... The stack? No. You paid off all the debt was your way into a year ago? Oh, no, not all of the debt. No, no. Okay, continue. They just had line of credits for the credit fresh. Those were paid off and about a month ago, I used and started going back down to... Why? What did you pull the line of credit for? The gambling? Oh, for f*** sake. Okay, there's no person... There's no good guy in this story. It's not all his fault. It's not all her fault. It's your fault too. You're pulling $4,500 in a month for gambling? And to help cover bills because of the gambling. And what... What the f*** are we doing, guys? Apparently, gambling. What's your minimum monthly payment on this? Monthly, both are $220 each, so $440 a month. This is insane. What is your thoughts on this, seeing this? This is insane. Oh, when I found out that she opened the credit lines, I was extremely disappointed. Oh, wow, disappointed, okay. Because I thought that all the lines of credit, all the personal loans... They were. ...and all that were paid off and closed. They were. Yeah, but now you're doing it again. That's even worse. And I made the promise that I wasn't going to do it again, that I wasn't going to get us back into it. Well, so when she won the $60,000, I sat down and I made a whole checklist of credit cards, lines of credit, personal loans, a payoff, like which ones to pay off, which ones are next. Your daughter is doing this for you, by the way. She's really over here, you know. I asked her to help me. I actually asked my husband to help me, but... Oh, he's not there. Well, also, whenever I asked him to help me, but he didn't have the time, so I wanted somebody to help me. Even if I did have the time, it wouldn't matter, because she's going to take it all over and do it all herself anyway. Which is... Is that what happened here? I mean, she got the personal loans and the lines of credit paid off, but... And a couple credit cards. A couple credit cards. She had, I think, 16 to start. 14. 14 to start. Okay, but it's getting worse again. Well, now I have 12 credit cards and two lines of credit. Two lines of credit. Now, there was a period of time, I will, to her defense, that I went without a job because of the wreck that I had. They didn't have a vehicle for me to drive. And so I was down for two months, I guess. A month and a half recent. That was back in October. But prior to that, there have been stints. There's been longer stints than that where he hasn't had a job. But we're not going back that far. Everything started going down two years ago. Down two years ago, right? Can we all agree on that? What started two years ago? The gamble started two years ago. True that, yeah. If you're doing thousands a month, we're reopening lines of credit after you've made progress and now we're getting worse again. It's the gambling, guys. What the f*** is wrong with you? You have a six-year-old. This is disgusting. You don't have the option to gamble. They have self-banning, right? You need to self-ban yourself from these apps. Right? Can we request? If I'm not mistaken, I think it is. There we go. I'm getting a head nods, yes. You need to request that you are banned from these apps. You cannot control yourselves. That's true because I have to leave the app a few times and then come back to it. That does nothing. You need to request a ban. You can't control yourselves. You have a failure of a daughter. Okay. Oh, come on. I still love you. Yeah, you can love her, but she's a failure. You're not doing anything with your f***ing life and your f***ing step-brother. You're doing nothing. Everything's a joke. You're living at home even though you don't like it. It's pathetic. It's pathetic. Nothing is going well. You guys make way too much money to be in this situation, which is even worse than making no money and being struggling. You guys make over six figures a year. Easily. 120,000 to 130,000 hours a year. And yet you live on a trailer, on a property that you're not alone but can't do anything with and it just broke and now you live with your parents and your daughter is a f***ing failure and who knows what the six-year-old is going to look like. This is a disgusting disaster. Wake up! F***ing sink. I haven't gambled since Saturday. Oh my God. It hasn't even been a week yet. Oh, goodness gracious. I'm just saying. I'm just saying. It's because you literally just got kicked out and moved into another house. You're out of the routine. That just means that I can do it. Well, yeah, anybody can do anything. It just depends on how long. When it comes to addiction and stuff, some people just can't walk away from your stuff. No, you can stop. It hasn't even been a week. It hasn't even been a full week. I'll get you the mine card, formerly the Fizz card. It's a debit card that builds credit because obviously you can't manage credit cards or a sh**t. You can only spend it in your checking account. It's very good. Use that. I'll also get you a course career certification in whatever you want. A lot of people in the audience have taken those and gotten six-figure jobs. So you do that and get the f*** out! What a mess. What a mess, guys. Oh my gosh. So what was spent? Let's see. No, wait. This is something new. Oh, this is just out of order. On your Quicksilver that we just saw before, which you over-mexed out with a thousand dollars of interest also. Titan... Titan... I don't know. You tell him what the f*** this is. What? What is this? What are you spending $75 on? Wow. Where is it? I don't even know what it is. Nope, that's gambling. Oh, wow. On a credit card. You over-mexed out his credit card for your gambling. Oh. Rarity that I've only done that like maybe two or three times. Really? On the credit card today. We plugged your s*** into the dollar-wise budgeting app? Yeah. $5,598 in gambling. Oh, in a month? Ugh. Blood money. Jesus Christ. I knew it was a lot. I knew that... It's a lot. I knew that it was a lot. I knew that it was a lot. It's not all me. I know, I know. We plugged all your numbers into the dollar-wise. Your categories are f***ed. They're f***ed. Well, if the gambling stops, then... Which it is. Almost $1,000 going out to eat. The dollar-wise saw you doing $1,000 out to eat. Just about. A month? Is that a month? It seems high. Does that include gas station purchases? Or is that just fast food? That's just... This is why you gotta plug your guys' s*** into the dollar-wise. It'll automatically just tell you where everything is going and you will have the biggest wake-up call. What the f***? You don't even understand how disastrous this is. You should be living the best lives. The best lives. In Litterock. The median home price in Litterock? What was that, $247? Do you guys realize how... Let's get to Litterock. But if you're gonna live somewhere like Litterock, take advantage of how cheap it is to live in Litterock. Right. Yeah. I want to see how this comes back to gambling somehow, but... It won't. You didn't know that for the capital one, which is card anyway. $2,831.88, which is insane. $103 minimum through payment. What the f*** are we doing? It takes 14 years to pay off. What the f***? And it's 33.49% interest rate! It's the highest interest rate on all the card cards. Yeah! I would say so. She had a late fee last year. What? On what? Oh, that's interesting. On what? On this card. On JC Penney? On JC Penney. That's surprising. I didn't know that. Is it? It's either you were late or you didn't have enough money in your checking account when it attempted a poll. Nothing's on autopay. Well, nothing's on autopay. Even if you paid and it didn't have enough, it would bounce and you would get to return transaction fee. But there was one last year. I try not to. Well, that's good. You didn't even know what happened. Well, I have a calendar. And on my calendar, I know when the bills are coming off. And how'd that work? Apparently... Not at all. Maybe if you would let me... Delegate some of that. It would probably help you remember. She would still check it to make sure that you did it. $1,100 an interest in a year. Man. Okay, who's the Capital One Platinum of $2,521? We have five Capital One cards. Platinum. So I don't know. It's either him... So we're authorized on each other. Oh, my good guess. So I don't know which one's his and which one's mine. He's got two Capital Ones for one for you. Thought you might know the balance, but 2,521 dollars and 64 cents. Minimum monthly payment of 82 bucks. 15 years to pay off. Interest accruing. Oh, it's over maxed out. That's why it's not spent on it. It's over the limit! So what I do... It's on his credit I'm being told. So what I do is I will pay the minimum. And then, before the statement hits, I'll... You what? You what? If we need gas... Why do you need money? Why does the household of Little Rock, Arkansas make it 130,000 dollars a year need gas money? But he's at the game point. Exactly. Wake the f*** up. Capital One Quicksilver. 2,273. Who is this? Is it the third Quicksilver? I bet it's on yours, Amy. It's either me or him. 2,273. And 32 cents. Minimum monthly payment, 73 dollars. Purchasing additional cash advances. $46.06. Yeah, I don't know what that is. I'll tell you what the f*** it is right now. $19. What was it? What was it? What was it? Let's find out. KTM, what's that? KTM. What's KTM? What's KTM? Gamoy. Your cash advancing from a credit card gambling. But I didn't know they did cash advance like that. What? Wow. I didn't know they did cash... I did. You certainly found out. And you got a $10 fee just for that. Right. But I didn't know that. For $46, you paid an additional 10. And now it's accruing interest on that, plus the 10. And probably lost the $40. And you went in the gas station and got some bullshit. Fees. Interest. Disaster. I didn't know they did cash advance like that. Yes, you did. Credit card. But I didn't know that. Another capital one quits over. See, how many do we have? $2,036.77. 13 years to pay off. Minimum monthly payment, $6. $52.16 to purchase this. $46 of interest accruing. $36 over the limit. What? You have a vacation plan soon? You can't afford to go anywhere? Well, I... What's your vacation? I don't know if it's in Oklahoma City. We're gonna go... Vegas. Or... Where? No, we're going with my parents and my whole family to Dofan Island. But it's not... Where is this? Alabama. Alabama. But it's not booked yet. But we all share on the... It's a Dofan Island. Yeah, Dofan Island. Oh, it's beautiful. It is. It's great. We went there a few years ago. It's nicer than Florida? No, it's not in Florida. It's in Alabama. It's nicer than Florida. Oh, nice. It's right there. Then just go to Florida. It's nicer than Miami Beach or Clearwater? Okay, well, less people. But it's nicer? But it only takes like eight hours to get there. So it's closer. Oh, road trip. Yeah. And we share the cost of everything. Somebody codes every night. You do that other places, too. But, okay. Ultra OG... Ultra OG E-Com Solutions East. $52.16. $10. $10. $10. It's just over the limit. Why do you actually even want to be close to this? Do you know the people you surround yourself with are often...? Well, I didn't know it was this bad. I knew it was bad. I told you it was bad. I don't think it was this bad. So the reason why I do it or did it was because the way that it works is... How clear is the water in Alabama? How clear is the water in Alabama? It's not. Exactly. It's on the Gulf. No But the the beaches are nice and other capital one cooks over the literal fourth capital one clicks over fifth Fifth capital we have five. Yeah, we have one sir. So there must be another one coming 1,765 dollars and 86 cents with the 58 dollar minimum to payment. It's over maxed out It's over the limit guys. It's over the limit Not about a lot. You're the one saying you manage the household and was taking victim complex the first half of this conversation But you're the one gambler says your card gambling to over the limit on everything you're managing the household. No, you're destroying the house You're destroying the house. I don't care if he doesn't take out the trash. You're obliterating the finances of this house You're going to bankrupt. So you're going to the end of this house and marriage and survival Maybe Maybe are these numbers not screaming a loud enough? I mean, it's not going to because the gambling has stopped so Don't ever say the gambling has stopped again I Don't feel so bad. Well, I Here's the thing. We're homeless. So of course. Yeah, I can't live with your parents Shut the fuck up. How much homeless I'm home City simplicity. Who's this? Me. What are we gonna see here? Oh over maxed out. That's curious Not by much though. Oh that doesn't shut the fuck up by much. What do you mean by much? How much can you make another minimum? Yeah, before you purchase it on it because you made a fifty dollar minimum monthly payment and then you purchased 66 cents, so if you make a minimum $1,219 and 21 cents is the balance if I make a minimum and not use it which you're incapable of so I don't give a And even if you make a minimum and don't use it takes eight years to pay off eight years That's the shortest payoff by the way. We've had so far This cuz the balance is lower Yes With a 58 hour and nine cent minimum monthly payment Wing stop critical, huh? Critical we couldn't survive without wing stop. I don't remember couldn't survive without going in and getting some bull shit Interest accruing high interest rate Okay, Nick credit card chase credit card thousand dollars. She says she doesn't know how to log in well It they they yeah, even pay yours right. I just make the call to I call to pay Why do we live our life in such an overly complex? The card is in his name he would have to call I didn't even know I had that card dude. You're in the bathroom four hours a day call the bank I don't even know but I have no clue what I Like me and them cards what yeah, but she does she know you so hands off that I have no idea Why haven't you told them? I've tried he wants nothing to do with it. He won't that's different not having to deal with you Don't get that freedom as a father or a partner You can say what you want. I've tried a few times to talk to you about it and you it's as though you don't want To do it He wants to get another card with interest free and then transfer all the balances that doesn't change any behavior asshole Right, that's gonna make you get double the credit card deck because then you're gonna knock change behavior and build up The one that just went to zero well the only time that we talked about that is instead of calling They show that either until you change behavior, right? That's the only time I can I get involved or You know whenever whenever mom when the 60 year and I tried to show you all the credit cards and everything and he's not Interested you wouldn't look because it doesn't matter what I say you're gonna do what you want, right? It'd be nice to know what's going on But if you wanted to know I feel like you should have been more forceful with it I Mean like I've tried to get her to say what's the minimum monthly payment on this 40 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 Guys just real quick don't forget to take your hammer financial score at Caleb hammer calm see where you stand where you gotta do better Where you're doing shit, so it just takes a few minutes in it is free figure out where you stand in the world of money Caleb hammer calm Balance is a thousand but Okay care care credit care credit that one they can I'm on so this is yours That's mine He had one what we paid it off because if you don't pay it off in the fur in a year all interest So how'd you get screwed on that? That's the furred interest? Well because I didn't it was the first well If you look at it, I know and I didn't you didn't get screwed over you didn't look at it, dude That's not getting screwed over you can't be a victim in everything four years to pay off Almost max out $893 Okay, yeah, I'm in payment Almost as close And I don't use that interest of course 26.69% interest rate who has a home Depot credit card now. That's Nick's who pays this I do so I'm confused because a larger payment was made on this one And then no purchases where there was purchases on everything There were fines. What's happening here? So yo 834 dollars and 12 cents minimum monthly payment $50 and 4 cents Okay, 23 months to pay off went down from 1200, but oh you were passed. No. No you weren't Um, what is this fee? Oh, this is a monthly fee This is just a horrible card Oh, it's in a 35.99 interest rate. Oh good. Gosh. That's you. Oh you wanted to start a lawn mower business? That's where You can't even get out of the bathroom that was when that was back in the day. That was when he didn't have a job And when was that right before he had the addiction? It was right before rehab. Oh because he didn't That was what threw them into You don't want to get tested. No, he didn't want to he didn't want to he didn't want to work He didn't want to work. He still will tell you to this day if he didn't have to work. He doesn't want to work Yeah Anything at all do it. Well, no, I mean I would work. I would just do exactly what I wanted to do. Right. Yeah What do you want to do? I'd love to get into having like I mean, I'm just a big kid like I still One of my best is infantilization of all of you. Yeah baseball cards for walkards. Oh, yeah. No, that would be your job baseball cards Yeah, I would probably get into a collection Hey, okay, don't pursue your passions ever right Yeah, good But that was what that Is from card was open for the card was open for his lawnmower business that went nowhere PayPal, who's this you have everything? Yes Of course, but you use it, right? Um, I don't use it for years to pay off. You pay it Yes, 761 92 with a 30 dollar minimum monthly payments The only time I've ever used the PayPal was was to pay like a Centro arcs a lot like a water bill To help pay in the water bill. Why is it so high then? These were purchases from A long time ago. I don't even know with PayPal You guys just you can be making so much progress, but you put it all to gambling You could have such a good life. You have no idea who has the credit one Me no credit one like the definition of the worst of the worst. Yes. I know this because they charge a monthly like sure do eight dollar fee Just to have the card, but it's like 378 dollars. Do you think that's what's making your break in your life? No, it's gambling 3,000 or 367 dollars and seven hundred cents with a 30 dollar payment. It's almost maxed out interest and fees are accruing Okay, what is this? Baptist health. Oh, so he had a medical Uh emergency what? So his ankle was Yeah, so we had to go to the are you on a payment plan? Yes, so it's 50 dollars a month Okay, and you owe 350 343 dollars and 26 cents. I mean this doesn't stress me out as much medical specifically, but Just don't understand why we gamble will we have this came money owed to family 50 what the 57 000 dollars so that was for the um purchase of the five acres Okay, so you bought the property 57 000 dollars from family So it's a personal loan to a family I thought she said you acquired property. Oh, I didn't realize you're still owed family for it Oh, what the fuck? What's the minimum monthly payment? Is there interest on this? No interest in 130 How does she know 300? 130? Yeah, it's 300 Can someone tell me what the fuck are we doing? Why are we even doing this guys? You could have got a just nice house somewhere What the fuck are we doing? Why what is this obsession with grass? I'm glad you have it. You'd get it somewhere else Well, the reason why we wanted the five acres Is because it's right next to our family and um But you had to borrow from family Borrow from family 57 000 dollars Naio 300 month you're lucky it's zero interest, but it's so stupid. You're going to debt for everything. Who has student loans? We both do What okay, who has uh, 57 000 on one 53 000. Who is it through? Advantage. Oh, that's him What I got a bachelor's degree Hey marketing business marketing. Yeah. Oh my dude What the fuck when this is so much 53 132 and 56 cents minimum monthly payment 718 and 1 cent what the fuck are we doing? What the fuck are we doing guys? So I signed up for a Plan on that one. Um, it'll be paid off in 12 years. It's 270 278 enjoy that forever my god Okay, who has mohila me. Yeah, well that's the total balance on this. Yeah, that's mine. I have two Two separate loans, but the total is about 4 000 and you got no student loans Or you got no degree right no degree. No, I went for some one semester because I felt A little bit of pressure from family to go, but there was also no What you felt too complicated not being literally under your parents and nose for two hours I was driving home every day. I was driving home. Oh, no. I was driving home. What the Oh, wait, you had a dorm. Yes, dude. You Are too sheltered Thank you You're actually gonna have a weird life probably I mean, I don't know A lot of things like cleaning I have been watching videos because we're about to get our own place to learn how to Do maintenance on house videos on cleaning. I had no idea that like dishwashers and fridges had filters that you're supposed to clean No idea You're watching videos on cleaning in 21 I didn't know that You could have asked me could you guys parent for once in your life ever? She could have asked me I've tried So mom made you go to this college and go to the dorm. Yeah, let's just be transparent. She I I Essentially forced her honestly. You probably should have You probably should have a lot of that. You're a Shutting but also what I was going forward wouldn't have been worth it because I was going for animal science What there are animal scientists though, but I can't do blood. I'll pass out even animal blood Yeah, can't do it. I will then do something else. I don't know. Yeah I don't Yeah, it wasn't for me Shouldn't have gone in general. Now you're just gonna be a bank teller for the rest of your life living with your parents forever Teller no, that's what you are now But everybody loves me there and they keep saying that wow What an accomplishment I'll get up up the ladder at some will you yeah, I've had a side living at home Having your parents walk on you I've also walked in on them. Uh, that's kind of married Can we not put socks on doors or something if we're gonna live like this who has the Kia Sorrento? Okay, what's the balance I can't tell it's like oh there is 13,000 no 13,280 dollars and 65 cents minimum monthly payment. What's your minimum with the payment on your student loans? Uh $55 a month $55 and then yours on this Kia 184 dollars. Well, it's it's really your student loans. What are your student loans? um, oh, um, so They're about 57 to 60,000. What's 60? What's your minimum? um, so I signed up for a plan and it's 250 dollars a month I'm gonna die and in five years Anything not paid off will fall off. So it's an income contingent plan that I signed up for When? About a month ago Okay, because the first payment's just now coming due on that doesn't make sense with who federal government The rapid payment assistance program forgiveness is like 40 years of low payments It was ed fund angel and um, it was for five years. I would double check I think it's the length of though. It's because it's been so long. I mean I graduated in 2010. I would just double check Okay, what's gs lending services? GLS do pass do 643 dollars. That is uh, what the is this that's Oh, what is this at a 12.7 percentage is rate of death? Yeah, that's the Hyundai. Who's a Hyundai? Who's Hyundai? Well, it originally started as hers and we bought it for her when she went to college brand new Of course, we couldn't stay out of the house And oh the key it was passed to as well. Yeah Well, uh the key I I mean the key is tell me what now he has it Wait, hang on. So the key is 435 dollars a month. Yeah, um as far as the Hyundai. Yes. Now. He has it. We bought it from her for $3,000 and she went and got her and another vehicle Wait. Oh the key. Okay. Okay. Okay. The key is 435 a month. Correct. Okay. So I had it lower But the Hyundai. What's going on with this? um, so it's 643 dollars a month and so um Currently what I hey, but you're late. Correct. So what I do is I just I'm a month behind So how much a month a month behind so it's three No, it's six hundred and forty an I.O. double six 43 91 my life My life you owe a total of 16,781 dollars. What are we doing? In 39 cents and you're gambling yet. You're behind. This is so ridiculously. You have just this is so stupid Okay, the amount of paperwork left is usually the amount of paperwork that someone comes into financial audit with We're at an hour and 29 I think um, she just hit me with a jeez louise. She needs to leave this house immediately She needs to go get some life. She's saying jeez louise. She's an eight-year-old. She has no life She needs to leave this house Like cursing in front of my parents you don't have to curse but jeez louise is something no human has ever said in the history of 21 years old I'm around a lot of old people out and home I appreciate that she doesn't curse or The old person Okay What is this 24,264 dollars? What is seven two five percent? That's not me. That's my core. Oh you what are you doing? It's an acro TLX 2020 so we buy why would you not pay rent that's you can you can spend that kind of money on a car Huh 24,264 dollars. What's your minimum monthly payment? It is 484 52 But I got so I refinanced With my bank that I work for is this the refinance or before that's the refinance. This is the refinance Is 7.25 percent? It's not great. It's still gonna pay it off quick. So it's a lot better than what it was Sure, great. Doesn't mean it's good Okay, Amy medical bills Oh, we don't I don't even have a number. It's it's uams How much is this so it's $782 738 what's the minimum monthly payment? $82 and that's because he had to go to the arm. We didn't have insurance for the ankle thing And he didn't have insurance at the time. Okay. I think that's actually the debt Thank you Well, oh well I I in savings. I have it's checking savings enough for 1k. Yeah, let's see what those are like Okay, this checking account. Who is it ended at 26 dollars? Arvest what is the account number? I don't know for I don't know It's blacked out for your safety Huh It's his next. Yep. There's his uh trip to mcdonald's Anyway, there's gonna be just a lot of McDonald's summer autumn play gambling Late leads are late. Ladies are great gift shop $47. That's gambling jh gift shop is jh mart No, that's a gas station. So you go in and get into bullshit go in and get into bullshit amazon cash app Plex world wide gambling Gambling gambling go in and take it into bullshit McDonald's getting the bullshit water burger. This is insane. It is a bullshit burger king gambling gambling chick-fil-a I think gambling bulldogs restaurant smoke palace cigarettes and gambling and gambling and gambling and cash up for $50 amazon walmart Yeah, bullshit probably Smoke shop go in and get into bullshit amazon. This is insane ocean dock gambling liquors smoking Going inside get into bullshit gambling. I think gambling gambling gambling gambling gambling gambling gambling gambling Yeah, you know how it added up to the thousands we talked about before the dollar wise saw. Yeah McDonald's amazon amazon texas roadhouse la quinta ens and sweets. Where are you going? however, then gambling Cash app amazon amazon gambling gambling gambling cash app gambling gambling gambling Own it fit What is it own it fit Own it own it that adds that's gambling gambling gambling gambling amazon. This is Gambling gambling gambling gambling gambling gambling gambling seven broom mcdonald's Sonics going to get into bullshit smoking bullshit bullshit Bullshit derek queen mcdonald's this is insane. This is one. The moth is crazy gambling roadblocks Oh my little brother Oh, it's getting groomed too gambling gambling gambling gambling gambling gambling cash app amazon Taco bell who are you sending cash app to that's the gambling that's to the france and brother in law Okay, gambling gambling mcdonald's mcdonald's gambling. Oh, no bullshit bullshit bullshit mcdonald's cash app cash app So cash app a way for hours at a time locking himself in the bathroom Well cash out also is for the game. So if you win money, it goes through cash up. Okay cash. Yeah, but this is no These are these are out. These are out. It's not in. Oh, they're all out. Yes Oh, well, you can also do cash up for the gambling as well Arties, I think gambling they're probably not bullshit gambling gambling gambling bullshit mcdonald's you do this is the most insane checking I've ever seen This is actually disgusting cash app gambling bullshit Donald's fashion hallway fashion What's the amount? $48.80. That's gambling What the f*** are we doing cash app gambling gambling bullshit bullshit gambling gambling This is insane This is insane. All right. Whose account went from 52 dollars to 1267? My I was gonna say I don't have that bank. I don't have that bank. Getting some bullshit Wendy's gambling gambling gambling are bisonic gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling gambling bullshit gamblingickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenicken with two over traps. And how many months is that? One. One. You have capital one, who has capital one? Me and my mom both have capital ones. Okay, who has a dollar? Me. Okay, gambling. Oh, that was just a, yeah. A gamble. No, I... It certainly was. 2000 and this savings. That's my mom's. But in the checking account, who is it? That's my mom's. But in the checking account, it's gambling, gambling, gambling, gambling,icken... ATMATRA, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling,ickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenickenicken Get out. No wonder you're on financial audit with them because you can't separate yourself. It's really fucking weird. Leave the house. It's gonna be a weird break dude. Guys, the minimum monthly payments for this household, not hers, included is $3,735.05. Absolutely insane. You're lucky with the household. We're bringing about $9,974, wait no, $8,974 net. Well no, gross. You gotta set 30% aside. I'm gonna take off $1,774. When's the last time you filed taxes? We do them every year. Okay. Okay, utilities, well, I don't even know, but usually what is it? So we have, for the trailer, it's about $220 a month for the shop. It's about 115 a month. Okay, gas room. And then we have the rent house because we plan on... How much? How much? It is 55 a month. Okay, gas room, room, drive, drive. How much on a monthly basis? 80 a month. For both? For me. Okay, you, driving, car, vehicle? Probably 40, because I don't drive a lot. I drive a company vehicles. In his works, right down the road. Okay, phone bill. $220 a month. And we're all three on the plan. Groceries, one, two, three. You guys use the meal plan, use the cookbook, use all the good stuff. You guys, not her included, she's on her own now. You're dead, you're independent, soft. Okay. You guys with the kids should be able to do about 700 dollars a month, TP fund, anything else you guys need is five, 250, medical healthcare, co-pays on a monthly basis, any? Yes, we pay his, separate it's $235 a month. Okay. Mine's included on my check. Co-pays, no co-pays though? No co-pays. What do you mean by co-pays? Co-pays, the actually. Like if we go to the doctor, there would be a co-payment. Do you go to things on a monthly basis? No. Okay, so $235. I'll try to do subscriptions, $75. You have any pets outside of hers? No, she's keeping. You're gonna have to get them pet insurance. We're keeping two dogs. One we move. Are you? Are we? Well, I said we keep one, but she needs me to take care of the other one. Yeah. So they can't be under the same house? Yeah. One, two. We'll have to. Okay, okay, pet insurance, $100, because you can't take care of them if they get sick. How much for pet food for those two? Well, I'm not gonna pay for any of that. Oh, she's gonna pay for it? She's gonna be paying for it. They're her dogs. They're just simply staying with us. Anything else that needs to be in your guys' budget that I have not included? Not that I can think of. It's bare bones. What? Well, we didn't do the water or the gas bill. I asked for utilities. How much are those? I was giving you only electrolytes. Okay, yeah, give me those. So we had water leaks, so it's kind of hard to know. Just tell me. About 120 for the water. What's the... Gas. Gas is about 75 a month. Anything else? Water for the house, not the trailer. The water at the house. I was wondering, yeah, no, the 120 includes that. That includes, okay. Okay, there is a debt path journey here, but it's low and slow, unfortunately, with $5,960.05. I would not do bankruptcy until you change your behavior, and then you can consider it, or else you'll be in this situation again. However... I mean, it's gonna take a long ass time. So this is $20,000 of bad debt. Does that line up? Let's just pretend, for the sake, you have $35,000 of bad debt. I guess I got something wrong here. But even still, with your $5,900, you have left of your $7,900. That gives you $2,000 to play with on a monthly basis. So that's just 17 months. I'll actually give you guys $250 for fun for the kid. Well, we also kinda need to factor in housing, like a mortgage of some sort, if they can. Yeah, well, we don't know what we're gonna do. Yeah, we just don't know what we're gonna do. Well, I wanna build something now. I would rent something now, get your debt taken care of, and then pay this off. If you rent something out for $1,000, this doubles it. It takes two and a half years to pay off the debt, but that's okay, go work some more hours, and that's fine, and you can pay off even quicker. I'm okay with that, and you're just doing it with you two, the two dogs, and the one kid, so you don't have to rent something crazy. And it's just a couple of years. Pay off the debt, get a family fund, an emergency fund, then build something. You can do that, that's fine. This is just a couple of year process. Couple of year process, that's fine. This isn't the end of the world. How much does it take to get up that house to the living standards for you guys to live in that for a while? Into the rental house. So, they want to bulldoze it down. What would their top-level demo actually take? Temporarily, I would say probably, 10 grand maybe probably, because I mean, that might be worth it. So I'd maybe put 10 grand to get someone else to fix it up and make it so that you guys can live in there because that all of a sudden brings your minimum through payment down once the 10 grand is gone. Meaning you can pay off all your debt in one and a half years, all your bad debt, the minimum through payments and the student loans in the family. And then you are saving up a fully fronted emergency fund and then you save up enough to put a down payment down on building a dream house, which you guys can under situation. But none of this includes gambling, of which was thousands. So what was it, like $5,000? You have 2,000 hours left. After the 10,000 hours you've already get it fixed up, you probably only have like 1,500 left. This does not work unless you quit gambling, go get help. That's it. That's it. And then build this budget, work on it. I'll give you this, you follow it. It's not that difficult. Just stop being children with your money. You guys are adults. Yeah. We're gonna call the boyfriend of the post show and we need to confront him on a lot of shit. So make sure you join Hammerly, but let's get the Hammerfinancial score first though. Gonna do it for you guys. For you, grow the f**k up is your score. My goodness, I don't even know what to do with you. Spend it, we'll figure that out in the post show with your boyfriend, because we need more info from him. You guys though, spending in a budget overspent and not even close to your eye of 10. No collections, bad, just lots of individual debts. Kind of crazy. I'll give you a one out of 10 though. That's being generous. Emergency funders, what, $2,000 in savings? That's probably about a one out of 10 for you guys living in the situation. Retirement dramatically behind two out of 10. Real estate, own land, but not a house. It's weird. And also you have a family debt on it. It's not great. Not happy about a three out of 10. Hammerfinancial score for y'alls household 1.5 out of 10. Get yours at Calebhammer.com. Now click join Hammerly, three premium shows posted every single day, six days a week. See you in the post show. Hello. I kinda wanna know why you're a loser who won't pay rent even though they've asked you to pay rent and you're not contributing anything to this household whatsoever. Oh. Oh, he sounds like an absolute pothead. What would you guys think if you had a daughter and then you moved in a 16, 15 year old guy and he started f***ing her in the house? It's like your worst nightmare. I don't think I would let him stay there. Dad, step in! Hammerly is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.