The Biggest Losers I've Ever Had On Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Why did you tell Lindsey you feel dependent on him because he spoils you? You have like $5 left to your name, if that. And if there's one deviation from an electric bill, a water bill, you're fucked. I'm screwed, yeah. You're fucked. Haven't you only been bailed out endlessly? I mean, I have had bailouts from my family in the past. Where's any kind of personal responsibility or advocacy for yourself? I mean, he's the piece of shit, don't get me wrong. He's the one doing it. And you're willing to promise her that, hey, if you birthed out a kid, then honestly, I haven't noticed that she doesn't even want for what it's worth. You don't even want a kid. This is the final day. Dollarwise is finally here, sending waves to the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out. And then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, my name is Zoe. I'm 37. Hi, my name is Jimmy. I'm 50. And we're from Central Arkansas. And this is Financial Audit. Why would someone with your accent land on Central Arkansas? Out of all places in the United States to go, Central Arkansas. So it's a bit of a long story, but long story short is I'm mid... Please, very short. Yeah, I met a girl on the internet back in the mid-90s. Well done. Was not me. Rip. Rip that other girl. Rip that other girl. No, she's... And got on a plane in Flutter America and the rest is history. Okay, in Central Arkansas? Yeah, well, that's where she lived. So like, reversed 90-day fiancee. Way before that, yeah. Well, actually, no, I guess it is because you came to America. So I guess it is a 90-day fiancee. You came to America, yes. That's 90-day fiancee. I came to America two days later. I got married. Without a social security number. Really is 90-day fiancee. Well, welcome, guys. Thanks for coming down to Austin. I do appreciate it. Zoe, you are right in front of me. So let's start with you. You never saw this coming. I summoned Pot of Greed to draw three additional cards from my deck. What do you do for a living? I do customer service at a bank. I'm in the call center. Sure. Have we ever talked? Probably not. Okay, I would hate you if I did. And what do you make? Yeah, just nobody likes it. What do you make? I make like 16.72 an hour. Like or 16.72 an hour? I think it's 16.72 an hour, yeah. Okay, how many hours a week are we working? 40. Yeah. Well, usually about 41, yeah. Get a little bit of it over time. I do that one extra hour. So what do you make per paycheck cycle and what does that paycheck cycle? I get paid every two weeks and it's roughly $1,200. Cool, $1,200. Listen, Central Arkansas, lower cost of living compared to the rest of the United States. But Jimmy, what do you do? 50 should be honestly past the height of the career at this point, you're on your way down. I knew you were gonna say that. So, well, yeah. You look good for your age, I think. Well, thank you. I work in a hair dye? No. No, it doesn't. Everyone asked me that, no, it's all natural. Well, though. Yeah, so I'm 50 and I work for a big telecommunications company, Retention, and I bring them about 1800 biweekly, so 3,600 a month. Oh, okay. Okay, so 3,600. Good, are we married? No, dating. Did you just say yes? I said no. Oh, you said no. Okay, I was gonna say that would be a weird disagreement. No. Okay, yeah, that was a funny joke. Okay. So, what's going on guys? What are we talking about? Well, I have a bit of a spinning habit when it comes to buying collectibles online. The FOMO living in the moment. What are you collecting besides women and central Arkansas? Well, it's like racing memorabilia, you know, car racing memorabilia. Okay, racing towards younger and bigger age gaps? Or, I mean, I don't really give a fucking 50. I mean, it was in the note that like, it was like, oh, the age gap. And I'm like, I don't want to tell me, you're your past 21. I don't give a fuck. And sinting adults. Who gives a shit? But, I mean, it depends where you guys are in life. There will be an interesting thing where she's gonna be towards the height of her career and you're gonna be entering social security age. Like, that's odd. Like, that's an uncommon thing, at least in today's culture for sure. And yet you're the one spending all the money. I think more than anything, it's the fact, I don't even think that that's the actual issue. I'm looking over, it's the weird way that you are living your lives with, I think you're not even paying your own mortgage if I'm not mistaken, I will need transparency there. But not only that, she lives with you every other week like she's an adopted child or like a split custody child. And this is very confusing. Yeah, so. What the fuck is actually going on here? Right, well I think what's happening is recently with my purchases online, Trump's tariffs have been kicking my ass. Like. Your purchases online? Yeah. Okay, don't purchase. Whoa. Right, but again. Can you afford it? What's your retirement at? I'm an at 50 years old. You're not gonna like that. Well, it sounds like you probably shouldn't be making the purchases regardless of any tariffs. It's at about, my retirement's about 50 grand right now. Well, that's a complete joke for your age. So why are we purchasing without tariffs? Are you giving them a hand up under the table? What's happening there? No, just patenting his name. Okay. You know, it's just. Just giving him some comfort. It's fine, it's just, you know, the purchases. I mean, I have that fear of missing out and you know. Fear of missing out of what? What are you missing out on? Well, you know, like some collectibles, you're missing out on. It's like, you know, like replica race helmets, for example, is usually what I buy. And they're quite expensive and like they're usually the like one of a kind items. One of a kind item that who cares about? What about the missing out on retirement? You're not afraid of missing out on retirement? What are you gonna do? It's not like she makes a killing. Then all of a sudden you, she's gonna be, well, I don't know, are you gonna say, so you married the other one? How many of you have you been with since her? How many are we trying to lock down? I mean, before me? Well, in between the one he moved here for a year, were we bouncing between women? Just two ex-wives. Yeah. Oh, so yeah, that's not like casual. These are ex marriages. They weren't just dating or messing around. No, exactly. So you're ready to be ex-wife number three in the USA. Cause that's where this trend is heading. And then it's really weird that you like, again, are like a split custody child. Well, I have kids that I do have split custody. Oh, so you have done that yourself? Yes. Very good. Okay. So what's going on with that? How many kids you got? Do you have kids, Jimmy? I do. Two girls in the early 20s. Okay. Okay, I'm almost ready for you to date. And you weren't really... Stop it. I have my limits. I'm about... And you? Yeah. How old are they? I have two kids. A girl that's about to be 14 and a boy that's about to be 11. Okay. Like this weekend in a couple of weeks. So very close. I'm proud of him for that. So why are you with him on a week? And why aren't you paying your own mortgage? I don't even know what that means. But let's start with you. Why are you only with him every other week? So with my ex-husband and our two kids, we have 50-50 custody. So I have them every other week and then he has them for a week. And on my week with the kids... So you stay with him when you don't have your kids? Correct. Yes. Why can't you stay with him when you have your kids? Are you guys gonna be together forever? Or are we focusing on this as an actual future relationship? We... I mean, we would. He has... You would if what? He has no issue with my kids. Like if we had enough... What do you mean we would? What's would? Would means but. We would, but... But there's not enough room. We would need a house big enough for the Brady Bunch to have his kids, my kids, his dad. And the early 20s are still there? No, one of them is still living with me. The other moved out recently. But yeah, so one of my kids is still living with me. What do they think of new mama? Yeah, they get along with her. I mean, it's always pretty easy to get along with. They love me, but at first they did ask what in the world we would have in common. Yeah, but they had some issues with the age gap initially. Why? 37 and 50. I mean, you guys are past... What do you have in common? I mean, you're not like nine and 20. Like what... I think you guys would pretty much have everything in common. You guys are well in your adulthood. What is there not to have in common at that point? There's not like weird things that happen at 49 that isn't happening at 36. I mean, I don't get it. Okay, that's weird. Well, I mean, they are the early 20s. So they think that, you know, you have to... Well, yeah, I mean, in their early 20s, yes, that would be a different stage of life than someone near in retirement for sure. So we didn't have that thought about we have nothing in common as his daughters did. Yeah, but we do have lots in common. I mean, and about the mortgage. If I could talk about that a little bit. I mean, yeah. So I mean, I've lived in my own house now for about the last seven years. And my dad moved from Australia to the States to live with me. And he ended up selling his house for about 600,000 Australian, which ended up being about 410,000 American dollars. And one of the things he said to me before he left Australia to move in with me, because obviously we talked about it, he was like, I'm gonna make your life better. I'm gonna make your life better when I move in with you. Well, the fuck is why would he make your life better? What is that? That's a weird thing. Because he knew about my financial situation. So men say to women, they want to... Well, I mean... This is like what? I'm his last remaining child. So when he moved here, he basically let me like 40 grand to pay off bad credit card debt. I got all that paid off. That doesn't fix anything. That doesn't change any behavior. Well, last year it didn't change any behavior. This year I'm working on it, but it's a work in progress. This year, we're like two months into the year. So what the fuck is he talking about? That's nothing. And anyway, he said he was gonna pay my mortgage for all of 2025. So that happened and I was appreciative. Oh, okay. Do you want dad moving in with you, regardless of he's paying the mortgage? Well, I mean, I actually like actively want that. I mean, I love my dad. And I gave up. Yeah, but you want him to move in with you? I love mine too. I wouldn't want him living with me. I mean, I'm happy that he's there. I mean, I gave up a third of my house. You know, he's got the master bedroom. He's got the master... Master bedroom. Master bathroom. You're like, I'm living in my kid's old bedroom. It's a bit of a weird dynamic, but it works. It was a weird dynamic as in you wouldn't send us your mortgage statement because my dad's paying us. He just wouldn't send it to us. It was an oversight, but I mean... Oversight, you wouldn't send it to us. I mean, I don't mind showing it to you, but I mean, I could tell you exactly what my payoff amount is. Well, I will need to know that in your financial audit. Believe it or not, I don't know why you wouldn't send it because my dad is paying it. So he's still paying it in to 2026? In to 2026, and then it's on me. And so this... And then when? What are you, you're 50. Why are you acting like you're 15? Well, you know, I just... Why'd you get a house if you couldn't afford it? What are you doing? And also get out of it if you can't. I could afford the mortgage. It's just that I was overextending my credit cards to keep my head above water. You know, like using my credit cards to buy groceries before he moved in and stuff like that. It was a bit of a tough situation. And how do you feel about Papa being there? I mean, I understand, I guess, not moving in with that, especially if you're saying you don't have enough room. Well, yeah, it sounds like he's taking up the master bedroom. Yeah, it's definitely an interesting dynamic. It was fun coming home on that first... Well, it wasn't our first date. It was like our third, second date. She's not a whore. Oh no, I just... We didn't even do anything that night, but I was just saying coming to his house for the first time and meeting his dad was a little odd. And yeah, it's a little complicated. He is always there. He lives in the kitchen on his computer. Yeah, from like seven in the morning to basically midnight every day. Rinse repeat, that's what my dad does. He's just on his computer. What do you want? Do you want him there or gone? I mean, I don't mind him staying there. Look at what it sounds like. It kind of, you're like, oh, that guy's all he does. I mean, it was... I think basically this is like, you know, he's in his twilight years, he's in his mid-70s. So I think the way he looks at it is he's moving in with me. He's helping me out financially for a while. And if anything happens to him, like, you know, health-wise or what have you, you know, I'll be there to take care of him. I think that's what he's looking at as far as the big picture is concerned. Okay. So how long have you guys been together then? Today is our 16 month? Yeah, 16 months, almost a year and a half. Anniversary? You're counting by the months like it's a newborn. That's weird, but are you guys getting married anytime soon? I mean, we've talked about it. I mean, it's on the cards. It's just, you know, we haven't... On the cards, what? What? What are we looking at? So I am open to marriage and I'm not in a hurry to get remarried because I was in my last marriage for just about 15 years, but he, you know, he's been married twice and he's not really excited about a third. Well, you know, married and divorced twice, it's expensive and you know, what'd you do wrong? Well, I mean, it's a two-way street, right? I mean, what did I do wrong? What was wrong? I mean, okay, so the first marriage basically ended in, I mean, financial infidelity and then just actual infidelity. On the blue side? Her side. She cheated? Yeah, she cheated toward the end of the marriage. You know, and that's when we had two kids. Yeah, it was pretty horrible. Second marriage was basically just financial infidelity. Like she would hide purchases like she's addicted to buying clothes, addicted to buying shoes, you know. Hiding purchases? In the end I was because... Oh, there you go. It sounds like both sides. Yes, I mean, you know, and then the second marriage you're just kind of grew apart and... So someone that hides marriages from their spouse, is someone you want to get married to? Uh, well, I mean, it's kind of what I'm used to, I guess I could say. Oh, good. You want to repeat that pattern? No, he's way better than my ex-husband was. How do you know? Are you guys combined? No. How can you say he's way better than your ex-husband? I just mean emotionally speaking as best. Everyone's a victim of their ex apparently. Every time it's like no one, no ex was ever good in the history of relationships. It's like, grain of salt. I don't really believe you what. 15 years with someone, what? So with him, honestly, we never should have got married to begin with and then for a long time, we just, I stayed with him because of the kids, but he is definitely a narcissist. Okay, great. And he also hid a lot of spending and... And you want to repeat that? Cause this is someone who has done that. I'd be like, well, I don't give a f*** about it. So dad, I don't really care, but he's paying your mortgage. He's helping you get out of a shitty situation. And you're hiding and spending from him while he's extending his mortgage pain into this year. So his behavior is continuing. Yeah. How can you say it's better? How can you say it's getting better? How can you say this will be better? Yeah, I mean, last year I kind of squandered, because I was basically saving 2000. I mean, I had $2,000 I could save every month and I really should have put it, toward doubling down on the mortgage. But basically I just... No, you don't have to double down the mortgage. I mean, I was like on the payments, I mean, why? That doesn't make sense. You have nothing in retirement. Well, I'm a financial expert over here. Yeah, I mean, well, and then that's always the thing. I mean, you said that my retirement at my age is a joke. I know it is, but it's like that 60 cent getting company matching 401K, like that 60 cent out of... I mean, I know it wasn't enough, but even at 6% I couldn't afford it. The last few years I just... You could, you probably spent running on bullshit. I mean, you're hiding something from your dad. Today I'm being told. And how can you tell me? It's not gonna be a repeated pattern with her. If you are literally doing that to your dad right now. You said you could set 2000 a site a month, but you're not. So how is this gonna be better? For either of you? Sounds like a repeat. You like someone, so you're willing to head down the same path you already are. And then you're gonna claim victimhood in five years. Oh, I was dating a narcissist. I married a narcissist. I got bread by a narcissist. No, you see it right now. And you're gonna go down it again and then be like a permanent woman victim again, five years from now, cry over Twitter and TikTok or something. No, you're literally seeing this. And now you're defending it. I mean... Where's any kind of personal responsibility or advocacy for yourself? I mean, he's the piece of shit, don't get me wrong. He's the one doing it, but you're walking right into it and you are already preemptively defending it. So how can I have any sympathy for your past relationship or this one that you're about to get into even further? I'm up front with it. I mean, I am. Can you tell me about all of it? I mean... He's hiding it from his dad. He's telling you, but if he's already hiding it now from the person that is there to bail him out, what is preventing him from doing that in the next multi-decades? To you! How are you not connecting that dot and immediately defending it? Well, I mean, I don't hide everything from him. It's just, okay, so something came in the mail one day and he knew what it was. And he was like, if this happens again, I'm not paying the mortgage anymore. And I was like, well, shit. Yeah, I mean, you know, I changed my habits for a couple of months and then the FOMO comes back. I mean, I don't know, you don't appreciate the hobby and what I'm collecting, but I mean... I understand hobbies, I get that, but I also understand your retirement is a joke and you're hiding it from your dad who was there to bail you out. I'm not hiding all of it. And he knew my situation. The stuff that is at least impactful you are though. And even just hiding any of it. Like, well, what are you determining? You're hiding 50% of it and that makes it okay because you're not hiding 50? That's why I was determined to go into 2026 debt-free. Like, clean slate. Yeah, I did it. And well, I kind of did, except for my consolidation loan, but that was... Well, that's not debt-free. Consolidating debt is not debt-free. He keeps forgetting about that one. What do you mean? That's like everything. If you consolidate all your debt into another debt, doesn't mean that debt is gone. Well, in a way, I mean, in a way it is. Because I didn't run the cards back up that were paid off. I didn't run them up. Yeah, that's what has been a couple months. And I see you're spending. We spend more than we make. So how long until then? Yeah, the hobbies that we're hiding. Yeah, I mean, yeah, the spending more than I make. That is an issue. It is an issue. Your dad came here with over $400,000. He's down to $110,000 to $120,000 now. Yeah. And you're just allowing him to do that for his entire life. That's his entire life savings because he came over from selling that house, right? Yeah. And you're just, well, blowing all the shit on hobbies. Well, my dad's always had an issue with spending. I mean, like since. What? Since the beginning. That's not an issue with spending. He's, you. How do you possibly just deflect to that? Dude made money. He came here. He's paying for your mortgage and he's draining it down, paying your mortgage. How's it your dad having an issue? Not you having an issue, not being able to pay your own mortgage. And when he does, instead of you setting yourself up for any kind of success for when he's no longer here, because I doubt he's young, you're blowing it all. And then you immediately say, yeah, he's had problems spending. You've had problems spending. Right. How'd you deflect to him immediately? I'm not blowing his money except for what he is putting towards the mortgage. Well, I'm talking about. Yes, you're blowing your money. Well, he's doing that. How are you saying he has a spending problem? He's paying for your mortgage. I'll tell you. Not even a month since he moved to America, he spent like $25,000 on what he called his little hot rod. Uh-huh. It was a 2007 bright orange Mustang with a flame job, V8 engine. You also let him buy you a Corvette. Well, yeah, I did. Because he said, would you like a Corvette for your birthday? He's going to say no to that. Me if I care. Okay, so you said I don't care about my dad because I let him buy me a Corvette. Because his finances have gone from 400,000 hours to 120. Yeah. Well, that's at the very beginning. You still had 400,000 at that time. Well, that's the start of draining it down. Yeah, I mean, and he bought his, you know, he bought my oldest daughter a $25,000 Subaru SUV. And I mean, I could go on him for about five minutes about what he spent his money on. So you have a problem with him doing that, but not a problem buying you your Corvette and not a problem with him paying your mortgage. I do have a problem with him doing that. And I told him out on it. But you accepted? He's like, I know, I know, I know. And there's like boxes that's 74 going on 75. Yeah, so I mean, he's getting up there. And sometimes I feel like, you know, maybe there needs to be some type of, you know, I don't know, conservatorship or something like that over, over, you know, his money. Bro, he's taking care of your mortgage. I know, yeah, before another eight or nine months. Yeah. Eight or nine months. How do you determine when that's done? Because this was to be done two months ago. I know. So how do we, and this is what you want to get into. Are you hearing this? I mean, he's a generous guy. He's a generous guy. I mean, he is. He would be a generous son and say, no. And actually, you guys make decent money, especially together. Now I understand we're not combined because we're not married yet, but even when we are married, Jimmy doesn't want to get combined. Yeah. That's an easy way to hide spending. Are we not stacking the red flags at this point, lady? You want to get combined. He does not want to get combined. What the f- Well, when we've had the discussion before about what it would look like when we do merge everything, I am the traditional, the way I did it in my 15-year marriage was, you know, we had one account that everything went into, his check went into, my check went into, all the bills came out. You also said he did hidden spending and stuff, so I don't think that even worked for you, but go ahead. Yeah, well, gas station purchases every day, you know. Had it in there, did you see it? Cause he had a joint account. Oh, I saw it. He was just lying about what it was for. What was it for? Mainly cigarettes and lottery tickets. Just the one dollar scratchy, thank you. Ah, 50 bucks. Continue. So you had joint before and you want to be joint now. Yes. When you get married and eventually divorced. Once we get together, yeah, you know, permanently, that's how I see it. You know, maybe having separate accounts for fun money, just so we don't have to, you know, as long as it- Okay, but he doesn't want this. Listen up, if you want your savings to actually earn something, I got something for you. Plus you can get up to $350 to kickstart it. The average savings accounts right now are paying around 0.39% APY. So if you've got 5,000 hours saved, you're earning like 20 bucks a year. 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Bill, play these people just like you, four people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now and start the free trial, dollarwise.com, link in the description below. Now it does. I'm okay with putting in a chunk of my money that I get paid every two weeks into an account to cover the household items. Yeah, but that's you transferring money into it. Not all the money goes into it and you transfer a little out for fun on separate. That's different. I mean, it could be the other way around as long. Okay, so my first marriage. Well, she shook her head and I know that's not true from the notes of the phone call. That is a walk back because you're on camera, right? Right. I like to have a little play around that. So what's happening? What's a little play around money though? I mean, to the point where I don't have to make a call and go, hey, honey, can we check the bank account? Make sure there's like seven or 10 dollars so I can get a six inch subway sandwich. Like, I don't want to do that. That's demeaning. No, it's less about that. It's more about we have conversations at the beginning and end of every single month after we go through the budget and see what would happen. And know what can be allocated to things like six inch sandwiches. So I don't know why the fuck you're going to subway over all places, but even still you are. And that is an agreed upon conversation at the beginning and end or mid of every single month. It's not for every single purchase, but if they're separate accounts and money's going who knows where and not budgeting as a household, we can't agree on where money should be going and properly allocated in different places. I mean, I would still like a bit of money to be allocated towards my hobbies and I support her hobbies as well. But I don't mind cutting back on that, but I still want to be able to do that. Well, you guys had a tense conversation a couple of weeks ago. Yeah, yeah. It's about just about this. Yeah. Tell me what happens. Well, you know, basically what we just did, you know, but he with his idea, he said, you know, I would put in a chunk of money into a joint account. He would put a chunk of money into the joint account and pay the bills. And he said, whatever's left over is our fund money. I said, but you make double what I make. Don't you see that causing some tension somewhere along the way where you have twice as much fund money as I do and, you know, stuff like that. And he said, well, it wouldn't be exactly 50-50 going into the joint account. You know, obviously he, his words, obviously he would put in, you know, a higher percentage of the bills since he makes twice as much as I do. I have no issue with that. But I don't know how that works. How was it a tense conversation then if you have no issue with it? What the fuck are we talking about? Every piece of information we have is you were not okay with that and you are not okay with that. Now you sit here and say you are okay with it? I'm so confused. I feel like that's not helpful when this conversation is done because that is a tone change immediately. I'm not trying to have a tone change. She walked, she had to walk out of the room. She had to walk out of the room in that conversation. She stormed off. Now you're just sitting here saying you're okay with it? I mean, I'm not trying to be controlling about my money. I mean, I am- No, I think you're changing your tune on camera. No, I'm not trying to change my tone on camera at all. Okay, then why was it completely different until you were on camera? I'm, I- Lindsay asked if you guys came to an agreement. She said no. Well, I told Zoe that I would be happy to put a good chunk of my money into the joint account. It's just that I would like to have some play around money. It doesn't really matter- There was some. How are we defining some? Because you guys did not come to an agreement and she walked away. Tell me. Yes, I mean, I think- What happened, Zoe? I summoned Pot of Greed to draw three additional cards from my deck. Go ahead. He's asking you. I mean- You were tough. You were there. You were tough. You're the one that told, you told Lindsay that you guys did not come to an agreement. Tell me. We'll come to an agreement when it comes to that point. So like- When is ever that point then? Well, that is what we have to determine. I mean, we- You guys want to have more kids? Yeah. What the f- Well, you're kind of getting a little backwards. I mean, I know I'm 50. She's 37. Well, I mean, she's in the twilight years right of being able to conceive. Do you want to have more kids or not? I even know that you want to. Then what the f- Are you trying to tell me? I'm just saying. The likelihood of us conceiving is pretty low. And that's okay. Okay, well, she just ripped out the IUD. Well, that's right. Yep, we yanked that sucker out. So are we wanting and trying to have more kids or not? Because again, I feel like you're doing the thing that just happened in the last three conversational points where you're literally backing out of the exact topic that we had in your pre-interview. What are you guys are trying to have kids? And I was like, well, I know I'm old. And so that wasn't the conversation. You told them. You aren't trying to have kids. You want to have kids. What are you doing here? I'm just saying, why are you giving this like, why are you doing this f- looking like a good guy on camera when this has absolutely nothing that has happened in the pre-interview and will not be applicable to anything that happens after this? So basically- Why is he acting this way? You're saying the things you know that make you look good, but not the things that applied to anything that happened before this, or anything that'll happen after this, meaning this is no longer a productive conversation if you're gonna bullshit. I'm up. I'm not bullshitting. Okay, well, that was not the information you gave before. We are of the mindset that if it happens, great, but we're not gonna be going into any like fertility doctors or anything like that. So we're actively trying. We're just not gonna pay extra medical shit. Correct. Yeah. Should we bring a child into this? You guys are preparing for a child when she can only, you guys are actively dumping calm in there for the sake of children. While she only stays with you every other week. I visited her too. I don't think, I mean- Okay, well, she only stays with you every other week. While your dad is still there, while you have nothing to speak for, for retirement 10 years away from retirement. In fact, even less so if we're talking like Roth accounts 401K, Roth IRA. You have nothing to speak of. As far as I know, you guys are completely up lives. No room for the current kids. And we're banging to have more. What the fuck are we doing guys? I feel like this is literally the most irresponsible thing. Why aren't you moving in with her? We've talked about that. Well, it sounds like we've talked about a lot and agreed on nothing ever. Cause no conversation is productive. Cause we just say what makes us look good. So what happens? I do like my space. I agree. You can have space in a same house. That is, we've also talked about that. Well, I'm glad we talk about things. What did we come to when we talked about it? Well, have you ever talked about something and concluded? Followed through with it? Yeah, I mean- Well, according to her face, no, but yes, you go ahead and say yes. I mean, I would like to follow through with that. I mean, so our discussion about that was if my youngest daughter ever decided to move back home to her old room that I'm currently staying in- Why would she? Well, if something happened to her relationship. She has a turbulent relationship. Turbulent relationship? Yeah, I mean, it's a little often. Well, you know. But if she were to ever move back home, I had discussed with Zoe that, you know, I would, since I work from home, I would, you know, after work, go to her house, hang out, and go back to work the next day. Cause I act like you're in high school. This is so weird. And you're trying to bring a kid to this. You won't even combine finances. Well, I know the likelihood of a bringing kid. Doesn't matter. It can't happen. Robert DeNiro has done it many a times. Well, and I'm sure he spent a lot of money to do that to become a father. No, dude's just dropping loads, man. Well, then he must be very thrilled. What are you? You're the same age as Elon. Dude's busted nuts left and right popping out kids. Elon's older than me. I'm sure he's paying- Both area go. He's paying something to pop those kids out. You just look older. And he's actively, well, yeah, for some, but for some, he's just busted nuts. First of all, I mean, you're 50. You can buy, like, you're fucking going crazy. It's her. It's her that we're concerned about. And she's on that edge. And then other things as well. Sure. Okay. But it can still happen. And I'm prepared for that. I mean, I would cut out- Are we? Are we prepared? I would cut out for the bullshit tomorrow. That's my point. I would do that. Hey, if you could, then why aren't you? Would be my question. You weren't willing to for the sake of your dad. You're not willing to for the sake of her. You weren't willing to for the sake of the last ex and the ex before that. So why the fuck would this be different? You weren't willing to for your other kid. You weren't willing to for the other kid besides that kid. Why is all of a sudden it is different for this? This is the man who says the good words, who promises the good things, who does the good talk, but never does the fucking walk. We've seen it time and time again. Every woman had seen it in a relationship. Every woman has said it in a relationship. It will always happen tomorrow. Never fucking comes. Tomorrow never comes. But yet you keep doing that in her and a child might come into this situation that is completely, and I don't think you'll change anything. You're a broken record. Your pattern is relentless of never changing anything. And you're willing to promise her that, hey, if you birthed out a kid, then I'll say, I haven't noticed that she doesn't even want for what it's worth. You don't even want a kid. Why do I have that? No, I wouldn't have that note if it wasn't something. No, I mean, I have my boy, I have my girl. They are of the age where they can take care of themselves. So I, yes, finally. So, I wasn't super, I wasn't super eager of having another kid, to and done kind of thing, but he really wants, especially a boy, he'd be happy with a boy. There you go, you actively want. I mean, it would be nice to carry on the family name. The family. Me, right? I mean, shit. What's your family? You're not a dynasty yet. Well, I mean. Who cares? We're not in the middle of evil era. What are you passing on? I mean, my family is from that timeframe, but I mean, but, you know, every family's from that timeframe. Welcome to the human history. But like family name, what legacy are you, what legacy are you trying to push on? I think I put pressure on myself to carry on the family name, because it ends with me. Like if I don't have a son. And will the world, the world will carry on? The sun will rise in the morning, sure. But it's getting back. What will we lose? I mean, to answer what you were saying a couple of minutes ago, I think it's about selfishness. I mean, and maybe a little entitlement, because I mean, to give you some context, because I said earlier that my dad has always been bad with money. You know, this is gonna date myself, but we owned a video store in the 80s and 90s. It's a good time to own one. Well, it was, yes, it was a boom time for videos, and VHS and all that. And my dad would be the reckless spender, and my mother would be the one that would put the flames out and try to make numbers, meet, and tables. Wow, so I needed an impregnated woman who doesn't want to have a kid while everything is, and I've never changed behavior once because my dad owned a video store in the 80s. What the fuck are you saying? But what I'm saying is, is that the pattern of his reckless spending, he hasn't changed, he's still the same. Oh, so that means you should not change? What the fuck are you saying? I don't give a shit about your dad. Well, I mean, the byproduct of what's happening right now is because of that, and I'm very grateful for that. He's being your mortgage. I know, and I'm very grateful for that. I mean, what the fuck is he saying right now? It may not look like I'm grateful for it, but I am, but I think, I think. No, just like, literally, what's your point? I would love, I loved being pregnant, I love babies and toddlers, I love all of that, and I think he would be a great father. You loved being pregnant? Yes, I am one of those. Some women don't, but Zoe does. What is being loving being pregnant even? I just, I've felt strong and powerful and beautiful and I don't know, it's the one time in my life I actually liked my body, you know? I don't, I don't know, it's hard to explain it. I mean, you make life until you, you know. You can feel the baby and you know, you just, it's great. Carrying the whole life, right? I mean, you're making life, that's beautiful. Like, yeah, I know it, it's beautiful, it's just, we don't really hear that. I didn't have a lot of help when my babies were babies, so that's another reason why I was like two and done, but. And you think you're gonna have help now? Dude doesn't fix this shit for what it's worth at all and you guys only spend a week at a time together. He is super, he's super hands on and hopeful. Hands on in what way? I mean, I was getting up at two, three o'clock in the morning, you know, taking care of my kids when they were little. I mean, she never had that help when she had her kids when they were little. So I mean, and when they're participating in sports and wanting to learn at 10 in your 61, then what? Yeah, at this rate, I will not make it probably at a 70. If I, if I, if I. Well, very good. That's what you wanna hear when you're about to birth a kid and that's when they're graduating high school. You like hearing that? No, I definitely don't like hearing that. He is, you know, along with the finances, we are both working on being healthier. Eating cleaner. The last two months or stuff. We've been. Okay, that means nothing. I know. Tell me when you've done something for six months. Right. I have your most recent statements. It's all, that means nothing to me. Your food spending is ridiculous. Shut the f*** up. This is when, when you're absolutely, when you're really bad, but just because it's slightly better than being even worse, doesn't mean you're really bad right now is okay. It doesn't. $500 going out to eat. Unknown spending, 1113. Guarantee a lot of that was going out to eat. And this lady's bullshit. Stopping in and getting some bullshit. Energy drinks, whatnot. Another 500 bucks. So now going out to eat in one ass probably about $1,200. Other large purchases we don't know. This could be food. One month. Jesus Christ. This was an additional $4,220. This is the first time I'm buying, I'm assuming. Yes. Because mine doesn't. Not suggest being better financially. It does not suggest eating better. And no, that is not your dad's fault for having a video store in the 80s. That is you swiping your card. Getting those points. Uh-huh. Getting those points. He likes those points. Drop my dad on the floor before 70, before your kid has graduated high school. If we had a new kid. Which there is a chance. And I know right now, you also admitted to getting to the point where you're kind of dependent on him financially. That's what you said. You're dependent on him financially because he spoils you. You sucker him into spending money so that you can go out to eat and just further go down that hole. Well, to be fair, I... Getting a head check. I'm getting an agreement. Finally, he agreed with something that was said before you guys came on. Ouch. Yeah. Well, I make enough to support myself and my kids and I was getting by without him perfectly fine. I just... Now you're dependent. It's very close. Both of them immediately changed their tune when they come on the show. When the point that the other one said before coming on is against them. In fact, she was the one that said, I feel dependent on him because he spoils me. And now she's on camera, changes her tune, chat. Never come on the show if you're like these people. Well, I mean, if we were to break up tomorrow, I mean, financially, I would be okay. I make enough to support me and my family and I did. Why did you tell Lindsey you feel dependent on him because he spoils you? Your words, you said. I mean, yeah, I certainly wouldn't be as enjoyable without him for sure. Because I can't afford anything extra. After everything is paid, you have like $5 left to your name, if that. Exactly. One deviation from an electric bill, a water bill, you're screwed. I'm screwed, yeah. You're screwed. Yeah. That doesn't sound like you'd be able to be independent. I mean, I was for almost two years. I was, but now you're not. I mean, it was different because you were living in an apartment, now you have your own house. I mean, that is true. Yeah. What? How could you not bring that up in the context of you saying you'll be fine? What the fuck is wrong with you? No shit, that's different. It's a lot different. What the fuck is wrong with you? I swear, both of you just wanted to say the right thing. Oh my goodness. I mean, the house is that much work better than the apartment. You know what that means? You guys are actually worse than the average guest that comes on and says bad shit because you guys are just hiding it, meaning you're not willing to take accountability for one single thing in your fucking lives when you're in the wrong. Not one thing, meaning you guys are gonna be, the average guest changes their life after this, you guys are gonna get worse. Not willing to take accountability for one thing that is happening? Not only that, the things you just said before coming on. It's disgusting. Good luck, brand new kid. What do we think the household financial score is as a combined household today? Zero being the absolute worst and being the absolute best. I'm gonna go full. Two. All right, if you want your hammer financial score, get it, link in the description below or at Calebhammer.com. Just takes a few minutes. Just takes a few minutes and it is free. See where you stand in the world of money, where you need to improve, what you need to do to improve and where you're already doing great. And if you don't want to be like the guests that end up on the show who clearly don't know their numbers, download Dollwise, start your free trial and you'll immediately see once you connect your accounts where everything is going, you'll get incredible insights and how to change your life. Check it out. Most people after the free trial take the annual version if they like it because it saves 50%. And then you get my personal 30 day budget meal plan signed by me. This one's already signed, signed in boxes. It is a detailed meal plan for every day of the week, snack, drinks, all the good stuff. So you no longer have an excuse that, oh, cooking's hard, oh, I can't budget on a low budget. It's all there. It's all wonderful. And then the only way to get it is by getting the annual version of Dollwise, I'll sign it and send it directly to you, dollwise.com or the App Store. Let's get into these finances. City personal loan, is this the consolidation? That is a consolidation, yes. This is the consolidation at a 13% interest rate, essentially. Man, I thought it was pretty good. I mean, I- How is that good? I mean, I'm sure it's better than a 30% credit card, but why is that good? Honestly, I thought it was like, 90% percent. I didn't realize it was 13 points something. Then why when you heard it, did you say, well, that's pretty good? I mean, if you thought it was lower. I mean, it's better than 17 or 20, right? But yeah, I- Oh, that makes it good. If I only smoked once a day versus three, what are you talking about? It was just a payoff debt. It was to go- It's not paying off debt. I know, it's just- It's just a transference of debt. Yes, it's a moving debt. I realized that. Which by the way, before changing behavior, which we know you did not, via the statements here with only $50,000 in retirement of 50 years old, dying on the Walmart floor, the fact is, you're just gonna hurt yourself. You may have been good for a month, which no, you actually haven't been, because regardless, maybe a little better, but not good, you are gonna end up in the same exact position, because it has happened every single time in the history of the show that guests have come on that have done this or bankrupted your credit card transfer or a debt consolidation program. They end up in a worse position because now they have that debt and then they build up their other debt. Okay, maybe you haven't built it all the way back up in one month, but you will, because you bullshit, because you cope, because you blame everything on your fucking debt, even though it's paying your mortgage like a weirdo, you're about to have the expenses of a children, a child potentially, if it happens, which it might, and there's a halfway decent chance for what it is worth. And then you consider this actually paying off debt. Just having that mindset alone, suggests that it will build back up, and this doesn't terrify you to get into. This doesn't terrify you in every way whatsoever. It does consume me. Well, good thing I wasn't asking you. I was asking Zoe, I was looking at her, but she wasn't looking at me. I don't know if she was looking for a donut somewhere, but... I didn't hear the question. Oh, good, wonderful. Okay. I was reading the next. The smell of the bagel shop downstairs is really filling the room. I mean, this may be difficult for you to believe, but I have changed. I mean, for example, I just... Hang on a second. Shut the f*** up. No, I just... I mean, but you're spending more than you make, so that's not going anywhere. I don't know what the f*** we're talking about. And I would also be worried of AI debt. Yeah. Or AI. I mean, I would be in a position. Yeah, absolutely. You're not really doing anything to get you there. A couple thousand hours in 50,000 in retirement, or 50, it's not really changed your life in spending thousands more than you guys make on a monthly basis. And having 412,000 hours in debt. Yeah, that ship has sailed, I think, as far as 401K is concerned. Okay, yeah, it's not just 401K. It's retirement and savings. It's being able to survive. That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for time, get that $350 right now in your checking account. If budgeting apps make you feel like sh**, this is for you. Most people who struggle with budgeting aren't irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many regulars, screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't common from your spending. It's common from having zero clarity and using tools that turn money into a failing grade. Have you ever thought, I just wanna know where my money's going without being judged for it? You're not alone. That's exactly what we built dollar-wise. If you wanna comb and clear a way to see where your money is going, try dollar-wise. Download the app today and get a three-day free trial. No set of nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download dollar-wise and see if this helps you feel more in control without the stress. And if it's not a bit, cancel anytime. And again, the only reason you've been able to save a couple thousand dollars is because you sold something. Not because you changed behavior. The only reason you were able to save a couple thousand dollars isn't because you changed behavior, because your dad is paying your mortgage. If you weren't able to sell something to which, ooh, what a big man, he sold something and he thought he wasn't gonna sell. You, you just made one adult decision in the first time in 50 years. Yeah, he's... Well, dad still pays your mortgage. If you had to pay your mortgage, and now there's not another, and now you can't sell that car again, you will not be there. That's not progress. That is the same mindset as the consolidation. No, I do not wanna shit on you for selling the car. That was good. But you viewing that as making a big change in life is a failure because of consolidationism. Selling something, yeah, he made the decision. I'm glad you did that. But you didn't change behavior that actually is cut spending and saved the money. You sold something and your dad took care of the mortgage, so you didn't have to put the money there instead. So I don't wanna fucking hear it. And to be fair, part of his emergency fund is, it was selling the car and his income tax refund. And about 3,000 of that is insurance still sitting in my bank account that I have to pay to the insurance company for my daughter's recent car accident. Yeah, so it's not his money. Yeah. So. So it's about 17, not 20, but it, yeah. And part of it was income tax and your bonus stipends. Little bonuses, yeah. Yeah. So I just, I don't know, in the end it's not a behavior change. It's really not, really not. And what happens when you all of a sudden have to start paying your mortgage? I don't know, I feel like the emergency fund is gonna be dipped in. Okay, we've talked about that. I mean, basically the eating out is gonna. We've talked about that too. Yeah, okay. The eating out is gonna have to stop. Do we have to talk about it? Yeah. That's exciting. The eating out is gonna have to stop. Like, I mean, maybe once a week. Hey guys, congratulations Chad. I don't have to push back on that because the eating out is going to stop. Never has is not, but it's going to. So guess what? I guess the conversation's over. He's definitely gonna change that for the first time in his entire life at 50. What do you want me to do with that, man? Seriously, think about it from my perspective. Sit on my side. A guy that's never done anything right in his entire fucking life comes here and says, I'm going to change that. We talked about it. What do you want from me? Am I gonna say, congratulations, shake your hand. You're on your way. You're gonna change. Everything's perfect. Like, you man. I will never understand that. I'm getting more and more of those answers on the show. It makes no sense. You cannot come in here with this indication of behavior and the lack of changing it. Bragging about a consolidation and selling a car and then say, well, Caleb, it's okay because we talked about it and we will, at some point in the future, change it. What do you want me to do, man? That's why I'm here. That's why I need help. Oh, that's why I see it. I need help. He's hitting them all, ladies and gentlemen. I need help with the budget. There's absolutely nothing. He has nothing. Why can't you budget? Why do you need Caleb Hammer? A fucker who's fat and eats McDonald's all the time. Can he even get his own weight under control to make you a budget? How the fuck do you in life where you can't do a single thing by the time 50 that you need a 31-year-old fat to make a budget for you? Huh? I use a notepad for a monthly budget. I just, I go buy what the notepad shows, I pay my bills on the first. And how's that been working? I'm just basically flying by the seat of my pants. And how's that been working? It's been shit. It's not. And how long have you been doing it? It's too long. Okay. Seven, eight years. So on year one, didn't work, but we kept doing it. Year two, didn't work, so we kept doing it. Year three, didn't work, so we kept doing it. Year four, didn't work, so we kept doing it. Year five, didn't work, so we kept doing it. Year six, didn't work, so we kept doing it. Year seven, didn't work, so we kept doing it. Oh. And at what point? Why? Does the penny drop? And like shit, this is not working? Yes, that was my question actually. Maybe you might have an answer? I mean, for the last six or seven years, is basically just being paying off debt with tax refunds, with bonuses that I'll get from work, paying down the debt as much as I could and then recharging it back up. That was the only way that I could afford to pay my bills to pay by groceries. Okay, that's not paying bills. You're just going to debt and replacing it with other debt eventually, and then you budget on paper. Why do you need that 31 year old Caleb Hammer with no college degree or credentials to make you up? Budget, when you have been trying a notepad for seven years and didn't realize that at least the year five, it wasn't working. Now, otherwise it's great. You guys get it for free forever and that little change of budget and habits. I guess what, even before it came out, there were other ones. What the fuck is wrong with you? That's why I'm here and we're going to change it? You, you're 50, you've had children. They're all out of college now or in college. Why haven't you done a single thing and the only answer you have is that's why I'm here and I'm going to change it. I want to know why you haven't changed a single thing and the fact that you haven't been able to give me an answer means no accountability has ever been taken into accountability at ever will. Just selfish cope. I mean, it's as simple as that. Selfish cope. So what's the selfishness? Why? What are we trying to do? What is it? Live and life? Who do we not care about? Clearly her. I don't give a fuck about her. I do care about Zoe. I'm not, I really do. Okay, which is why you continue in your selfish behavior. I mean, there is a method to my madness. I mean, the things that I buy. Please explain it. Yeah, the things that I buy, which is sometimes it's collectible racing helmets. I try to buy them for cheap and then, keep them for six, 12 months and then flip them and resell them. And the going out to eat? The going out to eat. The flipping is selling your shit? I mean, yeah, the going out to eat has been kind of crazy. That's interesting. What's the method to our madness there? We like to go out to eat. Okay, no method. It's literally just, you can't control your behavior to save your life. So is meal prepping. Congratulations, you get one of those. That would be helpful. I mean, I don't mind cooking. I mean, I like to cook. I think I'm a pretty decent cook, but I mean, for a guy. Well, then maybe do it. We have started cooking more at home. Oh, good. It's the guys, it's the same four answers. Oh, we've started doing things better over the last two weeks, Gail. Give us a high five. Guys, by the time I knew I was gonna come on financial audit and get yelled at, we started changing the moment we applied. Like, fuck off. That means nothing. I mean, I've always cooked at home for me and my kids. It's sporadic. It's just on the week's weather I'm with him. Oh, good. That's indicative of a great future together when we're together all the time. Uh-huh. So this person alone is $13,500. Yes. With a whole my minimum monthly pay of $1,200.85. That was intentional. I knew what I was doing with that. You knew what you were doing with it. Yep. You thought the interest rate was 8% and not 13. Well, I knew what I was doing with it. I got a half a percent interest deduction with the auto pay. A half a percent. Yeah, to like 12-something. Well, what a fucking king. You really gotta pass on that family line. You're so smart. Half a percent. We gotta keep that gene pool around. I mean, it's half a percent. It's not bad. Could be worse. Could be worse. There's a cope. Thoughts on any of this? I advised him against the consolidation loan before he got it or against it. I don't know if I said against, but yes, I was against it. You didn't say that. I did try to tell him, because as you may have known, we do watch your show a lot. And we like to say, what would Caleb say? And, you know, I was telling him before the consolidation loan that, you know, he needs to try to not spend on his cards for several months before doing the consolidation. And next thing you know, he's like, well, I did it. It's like, OK, we'll see. And hindsight, it was a dumb move. I should have sold the vehicle back then, but a few months ago, I still wanted to keep it. And I changed my mind and recently got rid of it. But yeah, it was it was a bit of a bonehead move. But $1250. I mean, we paid off at the end of this year. Says who? Says the papers. I mean, I intentionally did it for 12. Make your payments. If your dad doesn't, and then all of a sudden you have to make your mortgage. Yeah, like this is a lot of ifs and hopes and dreams. It's not like I'm incapable of paying mortgage. You're right. If nothing absolutely happens, you will be fine. But something always happens. You're also obese at 50. Something always happens. AI is happening. Something always happens. Yeah. And that's that's why I've been working on, you know, this emergency fund. I've been working on it for the last couple of weeks before I knew I was coming on financial audit. Stop repeating the same bullshit over and over again. It means nothing. It means nothing. You selling a car, not changing behavior means nothing. It means I will give you a high five for the one correct decision you've made your entire life. But other than that, you did not change. Progress. You did not cut spending. Your dad is paying your mortgage. You are given every blessed opportunity imaginable. Do not give yourself a high five for saving up a couple of thousand bucks, buddy. Do not. And stop trying to use it as a get out of pushback free card. Like, my goodness. What the fuck do I do with people like you? It's impossible, man. You make this conversation impossible. If you just fall back on the same bullshit that we've already established, it's not valid. PayPal. What's going on? Bullshit spending. So this is you. Oh, that yeah, that's me. I thought I thought you said, oh, don't you know, mate? No, no, no, the debt consolidation was my only God. That that is the one that I use basically for anything. That's what you said. The consolidation was your only debt earlier. I don't remember. I don't remember saying it was my only debt. Maybe I misheard that. I mean, I think I told Lindsay it got paid down to like maybe 1500, maybe a thousand and it's gone back up since that conversation. So what's even the point? I have this balance. It went down since the conversation and went right back up to this balance. Now that's even higher than it is now. See, so you're gonna you're and you brag about your behavior. You brag about saving a couple thousand dollars, but this one's even higher than it is now in what world? In what world will I ever listen to you that I'm going to stop eating now? You spent twenty six thousand dollars on eBay last last year. Alarm. Yeah, I added it up kind of as a joke just to see humorous. I mean, it was birthday gifts, you know, Valentine's gifts, bullshit spanning, you know, buying stuff for myself. I mean, yeah. He goes to eBay before Amazon. Yeah, yeah. Like anything you would normally just go to Amazon or Walmart for, he'll go to eBay. Yeah. But yeah, he also buys a ton of helmets. So. And that and again, some of them are to keep some of them in the flip. And I do I do sit on them for a little while. My problem is, is that I buy one and then it arrives and I unbox. I'm like, shit, this looks really good. I'm going to keep it and not sell it like I intended. That's that's one of the issues that I have is like I buy it to intend it to flip it. And I'm like, Dan, that's really cool. I'm going to put on the display. I just wish your dad bought one before you dropped as a child. So what is the balance now? Yeah, because I think on that it's like maybe eight on that. It goes up and down. It ebbs and flows. Oh my goodness. Eight thousand dollars. What's the minimum monthly payment? I think it's like one twenty five one forty. It wouldn't be lower. That doesn't make any sense. It's probably two hundred. Yeah, the the interest is like a hundred dollars on that. Oh, yeah. It takes twenty years to pay off. He'll be dead. Yeah, twenty years. Yeah. It's on his health, at least. Don't be around him. Seventy maybe. Look, just lose some weight. You'll be around for a while. You got good genes with your dad. Just lose some weight. And I got to do the same thing. I get it. He's been smoking for 50 years and he stole a spring chicken. I know. Well, some people get those extra lucky things. And maybe you'll get lucky with the obese thing as well. But let's just put, you know, statistics on our side. Like, it's not great that I'm like this a thirty one, but certainly can't be like it a fifty. You just can't. That type two diabetes sucks. OK, show me. Show me the card. Bring it up. You got diabetes type two. Yeah, it freaking sucks. You're trying to have kids. You have diabetes type two. Yes. I mean, it's the shitty one, but it's still still shitty. Yes, it's the one you can get rid of. I do need your screen for what? Why are you like saying type two? Like, I know if it was type one, I wouldn't be criticizing you. It is type two. And you're trying to have a kid. I think he's trying to say type one. Isn't that something you can pass on to kids? Maybe. I don't know. No, I mean, type two can be reversible from what I understand. Yes. And you have it. You're trying to have a kid. Yeah. Are we not understanding what I am saying? I am understanding what you're saying. Are you going to make it to 70? I mean, how many insulin shots do you give yourself a day? Well, you don't. You don't want to have to type at all. Type one type one's insulin. Yes, I do. Absolutely. I just have some special medication for it to like. OK, OK. Yeah, doing the screen record. He takes medicine and controls his sugar intake. You're this is controlling your sugar intake. No, sugar free. Yes, sugar free. So it's fat then you consume fat. Probably. I mean, I probably I mean, I like I like a good steak every now and again with the fat. OK, well, there you go. I mean, I love steak, too. I get it. Shouldn't be doing it. Shouldn't be doing it. Shouldn't be doing it. OK, I mean, we got two hundred twenty seven dollars there, two hundred fourteen dollars there, ninety three dollars there, two hundred twenty eight dollars there, thirty seven dollars there, twenty five dollars there. All this. What's this? Tenso. Oh, it's a service company where they buy something off of an auction site in Japan and they're like the middle man that packages it up and sends it from the seller to the shipping place. Oh, it's very. Yeah, it's an expensive hobby. It's an expensive hobby. Yes, so maybe don't do it or cut it back by seventy five percent. Instead of a helmet a week at a helmet a month. Yeah, I mean, I buy, you know, three or four months on average. Yeah. And that's not working. Oh, but I look at it like like a nest egg. I like I'll give you an example. I bought one from Japan like for four hundred and fifty. I could sell it tomorrow. This is not an exaggeration for like two or three grand and you put it like do it. I have good news. Yes, do. And I'm sitting on it. I will then it's not a good nest if you're not willing to sell it. Tell him about the one you just sold. Oh, you're what? Yeah. Though I just I just sold one for five hundred dollars. And now the the the buyer is not very happy with it. And he's wanting to he's sitting back. Because I was going to me. Yeah, I was going to tell you I like I made a thousand dollars on eBay this month. But now it's only five hundred because the guy's not happy with. So why do you only tell me the good thing and never the bad? Well, I mean, it's it's a bummer. I mean, I didn't see that. I didn't see that good response. Why do you tell me the good and never the bad? Oh, it's a bummer. Wonderful. You will never accept the responsibility for anything. I am capable of accepting responsibility when I when I think that I'm in the wrong. OK. Not being able to take care of a new kid. Not being able to take care of your current kids. She can't move in with you because you don't have enough space. Your dad's taking care of your entire life. You've drained hundreds of thousands of dollars from him, essentially. And the only thing you've had to brag about is that you sold something you already owned, which Yippie, yay, proud of you, fifty thousand dollars from the retirement. Please tell me. My kids, my kids can't rely on me. I mean, I joke. Not financially. I mean, I joke with them. I mean, sometimes I'm the I'm the bank of dad. But I mean, when I bail them out, I'm going into debt. Have you only been bailed out endlessly in your 50 years? I mean, that's the only reason you got. I mean, I have had bailouts from my family in the past, like, you know, twenty ten was like five thousand dollars. Oh, twenty twenty seventeen, maybe like three grand and then dad paying. I don't know about those. What? No. Are you serious? I only know that. Oh, my. So you've been bailed out like on average, like every four years. And she didn't even know she's getting into this. I mean, there's some context to that. I mean, you know, what's the cut? No, I don't even care. I don't even care. All I know is you just get bailed out. Honestly, you just took it for a win. Kailan's on. Yeah, that was. And I bet to him that's progress. No, that was that was just me feeling guilty and for the bullshit spinning. You know, I mean, I felt guilty about it and I go. So we borrow against her 401k, which if we get laid off, the AI becomes due like that, which means taxes and penalties because you have to sell in order to get there and you're also not getting the market gains, which kind of sucks, actually, because we're in a down market right now. And we really want to take advantage of those market games as much as we can. But instead, you're just like, I'm paying myself back with interest and it doesn't even compete at all with market gains. Well, so that's your guilt. It's better. It's better than the withdrawal. I mean, I have to punish yourself. I mean, last September, I mean, I just went off the rails on eBay and spent like four or five grand. That's not many months ago. Yeah, I know. And you're trying to tell me this entire conversation that we've changed and only a few months ago, you just spent five grand on eBay. Yeah. I'll just go kill myself. What the fuck are we doing, guys? What are we getting at one more when we go there? Because that's not usually like grocery prices in that kind of range, because it's not spending that much. There's probably groceries and, you know, coloring books and how curry books. How is Zoe likes to, you know, color and coloring books to relax? I get them at Walmart. Sometimes you do. I've gotten one or two books at Walmart. Usually it's not even one. I am judging you a little, but I'm trying not to. You do what's fun. I like the color. It's calming. It's relaxing. I like the color by numbers. No, no, no, I'm trying to. I'm, I'm, I'm, I'm, I'm, I'm accepted. Is that the PayPal at Walmart? I guess that would be. Yeah. So I mean, sometimes I do, I do the PayPal at Walmart just to. Oh, Guadalajara, everyone's favorite destination, Mexican Grill. You must see that a lot. 50 bucks. Yeah. It's a great Mexican place. That's our favorite restaurant. Yeah. Oh, and it's so good for you guys. Clearly. I mean, Mexicans are like the fattest people on earth. So I think it's the most obese country. Yeah. I think, right? I might be. I think so. But they're pretty awesome. Well, yeah. But you keep eating their food, you're going to look like the most obese country. Yeah, we go there. It tastes good for a reason. Yeah. We go there at least once, at least once a week. Oh, that's good. That's our cutting back, ladies and gentlemen. Oh, one's every other week. Cause. Oh, shut the f*** up. If you can't, no, I don't even believe you. Subway, there's the, we're getting healthy. Subway eat fresh. And go for the same age gap as Jared. Dairy Queen. F1.com. Yes, streaming service. Waffle house. $60 a waffle house. Waffle house is cheap. What do you have to eat to consume 60 bucks? A waffle house. That must have been the way I went out with the kids. Yeah, probably. Okay. Yeah, actually. Yeah. Okay. But even still, it's the funny we don't have. Okay. This is $4 from Walmart. That's a not groceries. You get your zero calorie energy drinks, right? Yeah. Well, there you go. Okay. No longer. You little friend, you are not going to interrupt my pitch. Thank you. Are you using gamer subs from now on? Gamer subs, delicious. This right here is 40 cents of serving. So this is what the pack looks like with the gamer subs, but you guys can actually get free samples using my link in the description below and type in encode Caleb. So this is absolutely delicious. It's caffeinated. It's an energy drink. It's wonderful. You shake it up. It's delicious. You make it the strength you want. It's awesome. There's also the hydration versions if you don't want caffeine. Check it out. 40 cents of serving. Make your energy drinks at home. Like you make your coffee at home. Get your free samples to figure out what flavor you like. Gamer subs.gg link in the description below code Caleb. Okay. Now you can interrupt me. Oh, I was just going to say, as far as I know, you don't really go anywhere and like buy energy drinks, not like just one off. You get the packs. Yeah, I'm looking for a try. Well, then who knows what we got there, but no, seriously, do it. Any chance to save some money? Oh, you can try right now. Yeah. Mark, can you get a bottle of water? Oh, all right. She's thirsty too. I've been meaning to ask for some water. Okay. Here. Yeah. I don't want to make you. Well, I keep going through this here. Take a big swig of this to give us a room. Oh, senior tequila. That's what we need. And our health is already so good. Guadalajara, Mexican again. Water burger. We like Mexican. Okay. Copper penny, copper penny, Macalester's landing flea market. Waffle house again. It's the same place over and over again. Bullshit, bullshit, sending money. One thousand two hundred thirty three spending. Oh, that was. I'd put a full scoop in there and just start with that with. Yeah, that was that was a mistake. I was a mistake. I commissioned somebody to paint something for me and. Yeah, it the tariffs kicked my ass. I mean, I'll give the tariffs. No, I mean, just like don't do it. It was like a hundred dollars to ship it there. I had to pay. When the tariffs were struck unconstitutional. Well, this is still having to pay for them right now. And that I spent five hundred dollars. I'd give it a. I spent five hundred dollars in tariffs a couple of days ago with some recent purchases from Japan, five hundred dollars in tariffs and shipping. But the majority of it was tariffs. Okay, it's ridiculous. See if it's strong enough, you might need to do an extra scoop. It's up to you for what flavor you like. I also don't even know what flavor that is. They have like a thousand. And probably another scoop scoop. Let's go. Okay. Yeah, I commissioned somebody to paint something for me and it just. All this while your dad is taking care of your mortgage. Mind you. Yeah. I'm well aware of that. And that's that's that's why I got the dick consolidation loan. Oh, that's going to be strong. Oh, but she won't. She won't. She won't. Oh, you did the whole thing. I don't care about that. You only did like half right. Half. That thing's gonna like. Where'd the lid go? Interest accruing like crazy. At least no late parents. That's good. It's about that paperclip way down there. All right. All right. What are we talking about? The lid fell. Okay. So what is this? Of savings plan. Oh, is this your 401K loan? Yes. It's like, okay. And you're ready to return shit. You're paying yourself back. You better not give. So this goes again. Okay. What is this 50,000 dollars return? And anyway, it's like 37, 38. And then you're barring. Oh, anyway. Okay. Nope. I checked it a couple of days ago. The market's gone up. The stock for my company went up like. Well, that's good. But for the 10,000-year barring against it, you're not reading that reward. I mean, I'm probably going to regret asking this. What should it be at my age, like my 401K? Like 200, 300 grand, 400 grand? What's your annual income? Probably, I mean, before off the taxes. Before? Before, probably like 83. Oh, dude. I know. Shut up. I'm not even like this number. Did you try it? I know. Not yet. I've tried it before. We got the sample pack. It was awesome. Oh, see? Did you want to try this one? Yeah, sure. I mean, I think at minimum, if I'm not mistaken, it's supposed to be somewhere around like $581,000. Boy. Free income. Yeah, I'm cooked. I'm cooked. Yes. Change your behavior. You're not doing that, including what is a steeple? Oh, that's steeple chase. That's my apartment. What do you owe $3,048? Um, for breaking the lease? Why? That's the price. For f***ing why? Starbucks is bullsh** 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 Sobs 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 Sobs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at GamerSubs.gg or click that link in the description below. Type in code Kaleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar wise budgeting app. And listen, I get it. The first iteration was a disaster. 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Don't miss this opportunity of a lifetime. Download dollar wise and start your free trial. Go to dollar wise.com or click those links below. So my lease was up in December. And I started looking at houses in August or September. And reasonable time to start looking. That's not bad. All right. And we closed on the house in November 1st when my lease was up December 1st. And the way I was explained. Pay the last month. I know. That's what I'm saying. So the way I was explained is, you know, the breaking the lease amount was equal to one month's rent. So I was like, OK, so I could either pay November's rent or I could pay the exact same amount for breaking the lease. So I moved out November 1st, thinking I would just pay that month's rent. Is that what they agreed upon in writing? That's the way I understood the contract. What? I should say. Your understanding. Who gives a f*** about your understanding? Did you ask them? They just told me that the last month's rent would be due. Oh, OK. And then. Did you ask them? Did they say yes or no? No, she did not. Why would you just assume things? I mean, I thought they did tell me that. You thought they did tell you that. Dude, this was a couple of months ago. You thought they did tell you that. They just told me that that last month would be that I would owe it. And so I just thought it was that or that. Why haven't you paid the $30,000 and $48? She doesn't have it. Simple. She doesn't have it. Well, for one thing, I don't have it. But also, that's not the full expenditure. They also are trying to charge me like $600 in damages. Yeah, did you take pictures and everything before you left and before you started? We don't think about doing that. Oh, my gosh. Have you guys ever lived somewhere? I mean, it's been a while since I've lived in an apartment. This is the first time I've ever lived in an apartment. I mean, we just cleaned it really good. We did like a deep clean. There were like some pinholes in the walls. Before you move in, you take pictures and when you move out, you take pictures. This is the first apartment I'd ever lived in. I've always owned a home. No one ever gave you that advice? I don't even come from good advice. At least I knew that. I don't have any family. I don't have relatives. So what's your plan here? You're hoping it goes away? So they were charging me all these damages and they gave me a checklist of... Before I moved out, I gave them lots of notice that I was moving out. They gave me a checklist. This is what we're going to look at and this is what we're going to charge you if there's damages. And then after I moved out, they sent me this invoice for like $600. Yeah, don't get me wrong. They're shitty. That's why you have to do the due diligence. Well, then I asked. I was like, well, can I get a breakdown? What exactly are you charging me for? And they sent me the same list, but I compared it to the one they gave me a month prior and everything had doubled. Everything. Okay. Like if they were charging $30 for this damage, they're charging $60. I asked them... You don't have any proof. You have nothing to do. So just pay it. Well, I mean, I have the one they gave me that said this is how much the damages cost. You're going to go to a lawyer? I don't know yet. I'm dealing with other legal things right now. Trust me, I'm on your side, but it's like I also don't want you to get even more hurt by having this fucking credit. I know. And I have been considering going... Okay. This looks like a mortgage. Who owes $147,793.96. So that is... So much. Chase, that is the mortgage with my ex-husband. So you... Are you on this? Yes. With your ex? He will not remove me. Why? How long have you guys been? Almost two years. We've been divorced. What? In court right now? It is in court right now. And? And so far nothing. Who pays? He pays for it as of right now. Hopefully he doesn't miss anything. Yes. But yeah, it's been almost two years. Well, how are we in court? He has not done anything to get my name off of it. Well, yeah. I mean, he kind of wants to fuck you over, which again, I'm on your side, but what are things looking like? So he was supposed to go before a judge at the end of January to tell him why he should not be held in contempt of court for not doing his stuff. And because of that big snow and ice that came through at the end of January, it got delayed. They said, we're going to postpone it. And so far there's been no dates set. But you guys want to buy this house anyway? I mean, told. So for an investment, you guys think you're getting into landlording? So you just got to buy one. You don't even know what happens. So yeah, Jimmy has, I mean. Jimmy, 50,000 hours in retirement. Yeah, I was here how you should be a landlord and get into that game. I mean, if it came to it, I would, you know, I'd be. I'd be open for an investment property and that would be. You guys are going to get so. So we just so much more expensive and less. It's just like, what? And also, how are you buying? What, what, what, what, what, what, what are we buying this with? I mean, believe it or not, my credit score is like 830 right now. So leverage. And, you know, we, we were just kind of to wind with the idea that if he can't get my name off the mortgage any other way, then I'll just buy out. Okay. Does he want you to? No. No, he does not. Oh, God, no. How is that our plan? If he's not going to sell, he would still want us. They need to want to sell. The court would force him to sell the house if he can't get my name off the mortgage any other way because he has the core said that is that what we're trying to fight for. That's what my lawyer has said would be the end result. If potentially if they win, if you win. Yes. Yeah. If he, if he won't assume the mortgage, if he can't refinance it, he has a Ford edge. Me. All right. Zoe, what's the interest on your Ford edge? 17%. Let's see. What the f**k are we doing here? I know. Yeah. You know. Well, I, And why are we still spending bullshit money instead of paying this off if we know as even worse than ignorance? I'd rather you be ignorant. I'm not even going to say it. Huh? I'm not even going to say it. Say it. We've talked about it. Oh. And where have those conversations led to? Um, well. So I was actually going to ask your opinion on some of it. Good. Pay it off. Well, yeah, I don't have the money. Well, you would have more money if you didn't spend thousands on bullshit. I was looking at, I was looking at getting like a, You don't spend anything. When we look at your accounts, I'm going to see no spending. This is worth $8,000. It's worth $8,000. Okay. So we have a game plan because I've bought a couple of vehicles for my kids over the last, you know, four or five years and I financed them through a local bank. The interest rate is like six and a half, maybe seven percent. If you know, you give them the VIN, you talk up like the features and everything. They were like, Oh, okay. You know, we'll give you like eight or nine grand loan and then we're wanting to use that money and, you know, obviously if it was what the balance was on the vehicle, pay it off and then have a lower interest rate because they would get it from 17 that she's paying now down to six or seven. And I know it's six or seven because that's what I've done with previous loans with my credit score. Are they bullying me? No, no, they're saying bullerns. Okay. Well, you don't think that's a good idea? Essentially. I mean, I feel like what happens with what you just did with your personal loan, you let your foot off the gas because you thought you made progress. And this is going to be another example of it. Technically, mathematically, sure. But I feel like this is going to prevent us from pushing hard and we're going to continue our bullship spending. What is this? $40,000, $680 and 13 cents. Interest rate of only 4%. That is the solar panels on my ex-husband's house. And again, he hasn't taken my name off of it. And it is in court. What the solar panels is, I don't even know if you do have the legal fight on this one. I don't even know. Yeah, it's in our divorce decree that he's supposed to remove my name from it. Oh, if it's in the decree then there you go. Okay. Yeah, he's supposed to remove my name from the, from... So $227.88 on a monthly basis. But let me mark this as an X because he is paying the... The decree is pretty tight. Interest rate's not bad though. Okay. Another mortgage. Is this finally yours? That's my mortgage on my... What are you doing? You have to... Okay. That's my name. Yeah. I've had lots of houses in the last few years. That's great when we can't afford our bills. Okay. $178.38 with a minimum monthly payment of $1,360.56. Okay. Yeah, I mean it's below 6%. Minimum monthly payment is chunky for your income. It's already half. I don't know how the... Well, yeah, they'll over qualify you like crazy, but this is insane. Yes. Well, if you're a mortgage or... So the mortgage rate... So of course they throw on the extra taxes and the... Yeah, it doesn't matter. You agree to this minimum monthly payment or whatever. Yeah, I agree. I agree. I agree. I agree. I agree. I agree. I agree. I agree. I agree. If you're a mortgage or whatever, you're going to get this minimum monthly payment right around it and it's 50% of your income. This is horrible. This is a horrible decision as a mother. Right. What I was going to say is before they threw on the home insurance... What do you mean? You would know the minimum monthly payment. They projected it to you. Also, this is not your first house... I'm saying... You do not get to play on such a jettzy little... You are... Same as what I was paying at the apartment is what I was getting at You know that there were home insurances you moron. This is your second house. And what my lender told me my home insurance rate was going to be was half of what it actually ended. Okay, okay. I scroll and everything. That's taxes and insurance. So the insurance of that is probably like $150, so half was $75. So it went from $75 to $150. That extra $75 did not make a break the fact that this is 50% of your income. So don't bullshit me. These are the bullshit champions. I have never been bullshit more than these two people. Oh my... They have barely any equity. Why also get child support soon? 7% You haven't thrown that into the income. Well, you didn't tell me that was your income. So why would I? Well, you didn't ask... You asked for my income, what? And then you could have, but I also get child support. That's what everyone else does in the history of the show that you watch. So it's your child support. They always throw it in later. What's your child support? I think I know my own show. What is your child support? It's $198 every two weeks. Wow, that really makes this mortgage affordable. $198 every two. Wow, millionaire status. Login. Okay. It was also about the cheapest house I could get in my town. That's not necessarily a good thing. I know. Also, you don't need to own. Like why do you feel like you had to? You owe $216, $625. No, that was the original. Where is it now? It should be like $190 something. Okay, it's $190. $193, $62. And he's making all payments? Currently, yes. So ridiculous. Look, when he came to live to America, he's like, I'm going to make your life better. And I'm like, well, you know what? I'm going to make my life better. Me. What are sugar daddy? I know. Well, what a coat. So it's like, make your own life better. Well, he's paying for this. You're just not. So I don't understand. Okay, with $1,860 on a monthly basis. And you do have equity in this house. And he's paying for it. About $140, I'd say in equity. Okay. Best Buy, who owes $600 on Best Buy interest-free currently? That's me. Bought a dryer, new dryer. The other one almost caught fire. What do you mean almost caught fire? Yeah, that was... Three years to pay off. It's a long story. No interest until... A long story about how a dryer almost caught fire. So my washing machine wasn't spin-drying close properly and wet towels would go in the dryer and lint build up and yada yada yada fire. You take the lint out? Well, yeah, but it was like collecting at the back where you couldn't really get to it. Okay. For an interest, is a growing, it needs to be paid off... 2027, 520, 2027, okay. Who has capital one, Quicksilver. That's me. Okay, this one's paid off every month. So I'm not going to freak out about this one. But there is still spending. And the spending is spending regardless. The spending could be going to other things. $288 and 173 to Walmart. That could have been one of the times that I, you know, bought the groceries that month. And this one's paid off every month too. So I'm not freaking out about it, but Savercard. It's still spending though. Amazon, Amazon, Zaxvies, Amazon. That's your daughter's. Yeah, okay, yeah, yeah. So I got a credit card for my youngest daughter to help build up a credit score. And I charge it up every month and then pay it off. Well, I mean, I talked to her, of course, and you know, she's like, Yes, but you, the guy that happens when your dad, all of a sudden, again, isn't making a payment. You're going to fuck your kid. She's 21 and she's got a 744 credit score. That's not too shabby. For now, you were on this until you fuck it. Look what you've done your entire life. It's a cycle of fuck and unfuck, right? I mean, I never really thought of it like that, but... You've never, no? Technically, I have that card in case of emergencies. Yeah, so she's currently... Oh, great. She's already getting messy. What are we doing, guys? You're going to destroy your... So stupid. I'll let you use the mine card. It's a debit card that builds credit. It used to be called the Fiz card. It's the mine card now. Mine card now. And I'll also get you a course career certification so you can use it. I would love that. Get into a career path like many people in the audience have with course careers and improve your income system situation dramatically. Okay, this card's also paid off and an NTT online. Is that the highest course stuff? Okay, who has a balance of $217 in this checking account of which I can't even see the name of what bank it is. No, this is a balance due. What is this? Someone tell me what this is. Oh, this is my lawyer stuff. Okay, you owe $210. No, I'm owe like $1,100 actually now. Do you have a minimum fee payment? As of yet, no. They send me an invoice every month, but I already told them or asked them if I could wait until after the court stuff. Because if- Why, are you gonna get a sum of money? Well, if we win, then he has to pay all of the legal fees. His and mine. But of course, if I lose, I have to pay all of mine and his. There's a lot of writing on this. I'm gonna assume this one's you. Yep, that's me. Okay. Yes, the balance has gone off. That's good, but it rotates like crazy. So I'm not gonna count it for much, but $100 PayPal, best buy Amazon PayPal, Zell, Zell, PayPal, Zell. Where are all the Zells going? Probably maybe to Zoe and my kids. Sometimes I bail them out. That's an hour's in this. Who's this? That's Zoe. Okay, the person who just spent money. Family dollar, stopping in, getting some bullshit. Donuts, Amazon, Amazon. Ring basic plan. Bullshit, bullshit, bullshit, Zell. Audible, go to the library. Roblox, Roblox for the kid. I get it, you can't afford it. You can't stop, he's getting pedified. No, he gave me his birth, he got holiday cash. So I spend it electronically and he gives me the cash for it. Zaxby's, Amazon, Zell, KFC, bullshit. Maybe. My perfect resume, okay. Bullshit, and maybe okay at Walmart. Walmart is always first place. And then your retirement's at $123. Killing it, I'm almost 40. It's also absolutely horrible. Yeah, Walmart's first place. Again, I think this is endless cope saying the right things. I don't necessarily believe that things are gonna change after this, but I will make a budget. And I hope you guys are able to communicate. And I hope that a kid isn't born in this world and that's sad to say it, but. The 401k stuff is also part of the legal issue. The whole time we were married, my ex didn't want me putting money into my retirement because he just put money into his retirement and he would be there to support me. What would you get? Because he took out a 401k loan to buy this house that my name is still on, it would only be about seven or 8,000. Well, at least you can put that towards retirement or pay us some debt. Okay, mortgage, $1,816.40. You do pay for that on your own. Correct. No? 1360, I pay, yeah. 1360, yes. Yeah. Loans on top of that, $1,756.85. The ones that you guys take care of. City card being the big one, chunky one for sure, plus your car. Okay, both of you separate, but gas, electric, internet, utilities all together, please, for each of you. Minus 350 for electric. Just electric? Gas is, well, in the summer it's like 40 and the winter it's like 200, so yeah. Okay, I'll put it at 100. I don't know, maybe 250 all together for me. What about internet? I gotta type in some, mine is about 100 out of pocket. 30, what the? Xfinity sucks a myriad. Yeah, I have to start. Okay, so utilities, 850. Okay, phone bills. 280, well, Zoe pays me 80 a month and my bill is like 284 with employee discount, so, but it's 284. Okay, 284, I would switch to helium if T-Mobile is good in your area, 15 bucks a line, very good, same service. Vroom vroom, drive, drive, gasoline, how much? Well, gas just went up, so I think I do about $45 every 10 days, so. So 120, 130. And about 130 or so a month, yeah. 140, 145. And I'm about 90 a month, yeah. Okay, car insurance is. Mine's like 500. Mine's 190. I've got like six vehicles on it though. Okay, sell them. In adult, 690 dollars. TP fund, anything else for you and your kids to survive? It's difficult in your guys' situation, but I think 350 should be good. Food, okay. One lives at home still, two lives at home. Yeah, okay. Well, he doesn't pay for his daughter's stuff. She buys her own things. The one who lives at home, not even groceries? She gets her own groceries and like, do not touch them. Okay, that's fine. Then you should be able to do. I only spend $130 every other week. About $900, yeah, you go out to eat like none other. Subscriptions, we'll try to do. 75 dollars, do we have any pets? Yeah, got two dogs. Age of health? One's 15, one's five. Five year old will do pet insurance. My cat's about five. Okay, $100 for pet insurance. Have food, how much? 60 for me. All right, I'm just doing math. I'd say like 50 a month for food and litter. 100 bucks. Anything else that needs to be in this budget that I have not put in yet? I mean, with your cars and phones and stuff, are you putting in that your daughters give you money? Oh, yeah, but that's negligible. I will put that into the income, how much? Well, how much? $100 counts. One gives me, shoot, one gives me 80, two, 87, and the other gives me like 400, so. Oh, that's negligible. Well, one is. Not really. Okay. What a hassle. Well, no. And the 80 I give you for the phones? 6,700, well, that doesn't matter. Part is my X too. 6,701 dollars, and then how much comes in from them again? Oh, for the children's? No, from his kids. Yeah, 487, so what, 487. Okay, so 6,883 dollars. And without that, because it is not negligible, you guys would have been without it. Actually underwater, but you have an extra 181 dollars and 59 cents. You need to get a better job. We need to cut spending. I've been trying. Okay. Well, this is the reality of the situation. You will break even for a while. I try to consolidate by selling a house, moving in together, get this thing, get the show on the road. That cuts our expenses dramatically. But what, yeah, when you're, again, like I said, no moment your dad takes over your mortgage, this is gone, you have an extra 181. So that's an basic necessity. 1800 then, right? I'm gonna be negative 1800. Yes. Yeah, see, yeah, this is where like everything has to change. Yeah. Yes, everything has to change. That's what I'm saying. That's gonna take years to be off the debt, obviously like this, but this just can't be how it is. You guys need to actually consolidate, try to get bills under one thing so that we can bring payments down, get rid of your car, cut this car insurance thing. That's gonna save a lot of money too. Meal plan, meal budgeting, not going out to eat. With that, you can actually bring this probably up to an extra $500 a month and we can actually make progress and pay off debt in a few years and get to a fully funded emergency fund, which is critical. In retirement, we just, we're gonna have to really be pushing like 40% towards retirement on a monthly basis after we have a fully funded emergency fund, including you, because you're dramatically behind. Oh, what? No, I was just gonna ask your opinion on, you know, I just got my income tax refund, which isn't a huge amount. Well, that's what I was gonna ask. Should I put it towards retirement? Or should I put it towards the car? Debt. Yeah. Debt. Debt. All right, guys, there's something we haven't been able to talk about. He wanted to only talk about it in the post show. It's crazy. We're gonna talk about it in the post show. Yeah, gift ready. Joy and Hammer, I'd like to see that. Well, let's get the Hammer financial score first. Spending in a budget you overspent, zero out of 10. This is for the household debt. Well, apartment collection, zero out of 10. Emergency fund. Technically, it's not in collections yet, I should say. And that ends in collections. Okay. Uh, debt for your income, it's basically as bad as it gets. One out of 10. Emergency fund, two, well, no. Yeah, two out of 10. Retirement, very behind. Three out of 10. Real estate, you have an equity position, yours is weird, and then complications to the tax, it's gonna bring it down a little bit, but I'll give you a six out of 10 there. So Hammer financial score. Round it up, 2.5 out of 10. See you in the post show, join Hammer Elite, get your Hammer financial score at Calebhammer.com. Click the join button now, join us for the post show. What could you not say in the main show? Even now and again, I would like, because I've got his account linked up to, linked up to one of my bills, so I would just like. You're taking money from him without him knowing. It's maybe like a month. Oh, well, he's paying your fucking mortgage? I know. You're taking money from him without him knowing. Literally pulling from his account, what the fuck? This is the final day. Don't forget to download the new dollar-wise budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and MealDirectly.U. Now after March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download dollar-wise to start your free trial. Go to dollarwise.com or click the link below.