The Most Ghetto Financial Audit

What's popping up on these doom scrolls? Stay at home mom recipes. You can't stay at home if he's bringing in 3,000 bucks a month. I told him get a second job. Get a second job so you can sit your fat ass at home. I told him he like he's lazy. I told him what, how does it make you feel, Jonathan? That she specifically told Colton that if she had not gotten pregnant, she probably wouldn't have stayed with you? I'm just trying to avoid child support cuz I don't know how heavy that that kind of is. Wow. Yeah.

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All right. Hi, I'm Jonathan. I'm 27 years old. Hi, I'm Melissa. I'm 27 years old. We're coming from Houston and this is your financial audit. Your financial aid. Um, very good. Thanks for coming over from Houston. It just it feels I'll be honest, Jonathan, a little racist. We never get people from Houston and the moment we do, it's a black man and that just feels a little insulting. No, it's not insulting. No, why would it be insulting that there's a black man in front of me? That's not insulting, but it feels a little racist. But we're not racist, so that's that's a good thing. A good thing. Um, well, let's see if Houston's racist with how much you make. What's your job, Jonathan? Uh, right now I am working at Water Level Engage Company and Piping Company in Houston. How much do you make a check or? How much you make? Just what's your pay? On 20 hour. Okay. Okay. Not okay. Houston, you're doing okay. Okay. So, that's fine. That's fine. I, you know, 20 Houston depends where you live. There's definitely some wealthy areas. There's some lower income areas. It's one of those like classic cities where it's uh you can get some affordable things in there, but it's usually just, you know, a little rough as well. Um 20 could stretch if you're in that area. Are we married? Yes. Okay. Okay. How many hours a week are you working for that 20? I am working 40 hours a week. Okay. So, what hits your account per paycheck? I would say roughly between 1450 to 1550. Okay. Well, just call it 1,500 then. What is that every 2 weeks? Yes. Cool. 3,000 bucks. Good. Melissa, what do you do? Going to need to make a little bit more money to make this house. Uh, I make 19 an hour. No, that's okay. As long as you're bringing in we're doubling this to like 6,000, we can survive. What do you do? I am just a front office at a clinic and that's pretty all I do is medical. It's medical and uh I just make 19 an hour. I do not hit overtime a lot. Uh because the job Okay. Does not allow it. Okay. Well, then yeah, you probably wouldn't hit it if it doesn't allow it. They Yeah, they do not. How many hours a week are you working? 40. Yeah, about 40. Maybe like 39. But I honestly don't want to work anymore. Well, how are we the going to do that if he's bringing 3,000 hours a month? Not a knock against you, but how can we survive as a household? Not going to work. You're going to work. Shut the [ __ ] up. You're going to work. Oh my gosh. Well, I told him, "Shut up. Why doesn't she want to work? Cuz I don't I don't want to hear that we're not making enough money when we're really not." And she would put that. How long have you been married? We've been married for almost 3 years. Uh-huh. And she doesn't want to work. Why doesn't she want to work? She doesn't want to work cuz work is too much. Too much stress. She want to put front desk. She want She wants to put all her stress and energy towards the kids. Oh, there's children. Yes. And you're still there? Yes. Hey, man. Well done. How many? Two. We have two. We have a 2-year-old and a one-year-old. Wow. Okay. There's still time, is there? Yeah. Very good. Okay. No, I get that. Well, stay at home. Stay at home mama. That's what we want to do. Yes. You try to tread it up a little. I do because I mean I've been watching videos obviously um on Instagram. Well, I mean it's What are these videos? We call it a doom scroll. We do call it a doom scroll. What's What's popping up on these doom scrolls? Stay at home mom recipes. Mom, stay at home mom content. Food recipes. Cleaning. ending them with kids. Ending them with emotions. Well, emotions and kids, those happen. But why why did I hear the word like twice in there? Yes, you said twice. No. Did you hear it? I think I did it once. Okay. No. No. Legitimately twice. Oh, no. I No. Okay. I just I like And what are you seeing? So, okay. Yes. The recipes. That's wonderful. Well, what what what is that doing for you? Making it like, okay, I want to live at home forever. Because I always wanted to be this, you know, be what? Be a stay-at-home Well, be a mom in general, but I always knew I wanted to prioritize my kids. But no offense to Damonte, you picked a Jonathan, you picked a wrong I don't know. I That's just what was rattling around in my head. Sorry. Then you picked the wrong income to shack up to. Yeah, I didn't I didn't think again. That's no offense to you, but she can't stay at home. You can't stay at home if he's bringing in 3,000 bucks a month in Houston. You're not in rural Appalachia. I know, but I told him at least get a s I told him get a second job. Get a second job so you can sit your fat ass at home. What are we doing? I mean, I'm sorry that that's the reality, right? Whale. Okay, Jonathan. Yes. What's your thoughts on that? Go get a second job so I can sit at home. And yes, be mother. I'm not saying it's nothing. Mhm. But when you hear that, I don't mind a second job. The only thing is if I'm come home to homecooked meals is kids going to be taken care of from that. And you're okay with that? You'll do the second job. You'll work the 80 hours a week for as long as there's a meal at home. A meal is not hard, by the way. It's not. Well, I did it before. So, I did it like I did work two jobs before, but I quit the second job in the midst of us having a sec having a second kid. So, I was a stay-at-home mom before and I had to go back to work because he quit his second job when I told him not to quit it. I quit. Like, at least I was like, "Give me some time, man. Give me some time to But at that time, be postpartum." I was only one like I wasn't even a whole full week postpartum. And I was like, "Give me give me some time to people spart them. Don't quit just yet." But mind you, two three months prior before the birth, she was already speaking about already trying to fight to go back to work. I already made the plans like after I stress after I go after I make the baby. After you make the baby and such such time pass by, I jump up to work. I'm like, for what? Were you in the military? No. There's a dog tag. Oh, this is a dog tag I bought from years ago. Okay. Okay. I was just wondering cuz disability that that would be like the thing that could No. He refuses to go to the military. Okay. Is that like a thing you're trying to push him to? I did. Well, because we refuses to go to the military. He is because you know I just want to be I was never asked. I've never heard that. I I was never asked if I wanted to go or what's your pursue? What's your path? What what do you want to do? Hey, I I could be like this. And he was like, I don't want to work for the man or whatever. I'm like, "Dude, it's it's this. It's just a temporary thing, you know? It's not Well, I'll ask you. I'll ask you. Why does he have to do the military? It's just a source of income. It wasn't like It was a job. Well, he he quit the second job. So, what can I Okay. Why did you quit the second job, Jonathan? I quit the second job because Melissa here was crying to me about like, "Oh, I'm too stressed out with the kids. I'm not sure what to do." And stuff like that. So, honestly, yeah, that makes more sense. That's exactly what I would expect to hear from you. That has the endless amount of demands. I'm already picking it up. You got all the demands, no solutions. Nothing's ever good enough. I mean, I can read that from I can smell that from you at this point. I mean, of course. Absolutely. So, he's working. So, oh, there's no one to help me. There's no one. I'm home all day. There's no one to help me. You got to be home more. So, he quits it. It's like, oh, now there's no morning. No, I want to stay. That's not it. No, it's just I just give him so many different options. It's just that he It sounds like the only option she gave you was go make more money by working 8 hours the most amount of money possible. Yeah. He just doesn't which is I told him I told him he look he's lazy. I told him what he's working his ass off. He at least he was I mean you're doing 40 hours a week now. So, I mean, yes, if you're both doing 40, yes, you have to equally step up at home. I got that. But how was he lazy working 80 hours? What was your second job? Pizza. I was a pizza man. I was doing pizza. So, I was delivering pizza. No, I was assistant manager at a pizza shop. Okay. Okay. That's work. He's on his feet all day. Okay. That's lazy. How many extra hours were you putting a week towards that? Uh, before I quit it, I was doing extra 25 on that one. Extra Oh, extra 25 or 30 throughout the week. So I was pulling How can you call him lazy? How can you call him lazy? It's just that I told him I Well, her definition her definition of lazy is I come home from two jobs and still be able to cook, clean, maybe change some diapers, maybe do this. You cannot have the whole thing. You have to decide. Are you stay at home mothering doing the mothering? And is he working to take care of you? It up. That's not it. What? That's not it. He made all the pizzas and you ate them all. I so pretty much I already told him I was like look I do want to take care of the house. I do want to uh um take care of the kids. I want to cook for you. But every time I cook, he's like oh we already ate this or like oh this is the same thing. I'm like dude this is what we got. Like this this is it. Like he wants he wants hamburgers. He wants pizza. So hamburger pizza. Well, okay. You named like the two most basic foods. What? That that I wasn't asking for like beef Wellington. He just disag. I made rice and chicken. Well, you're white. No [ __ ] He needs flavor. He needs seasoning. Slap your mama. Oh my gosh. Slap your mama's a seasoning. It's a seasoning. Yeah, but slap your mama on. Right. Yeah, but I did. I did. He just more. He needs a lot. Well, I need some I need some flavor. Is besides just one stagnant monotone flavor. It's almost like tasting Churches or Popeyes. You eating the same kind of chicken. It's going to taste good, but eat more of it over time. It's going to taste the same. Same thing with the fries. Fries could be good on first rip, but if you keep making the same kind of fries, it's going to taste bland over time. He says that I'm with them. Listen, if you're at home, just to get three different seasonings, swap them out. So, we've It's just I don't care how you guys live your life, how you want to live your life, but if your entire argument is you want to stay at home and be wife and be mother so he goes and works, yeah, that's your [ __ ] to figure out, then that's what you chose. You don't have to do it. I I don't care what people choose to do, but if that's what you chose, that's what you chose. Do it then. And the thing is, what concerns me here is, well, before I get to that point, why did you quit your job specifically? To help her out with the kids. Okay. So, again, you're trying to ask for everything. Did she ever ask that? I never asked for that. I told him I asked for it. I told him, "I just want to vent to you. I just want to tell you, hey, I'm tired. I I have a lot with the kids. That's all I was doing, venting to him. I never told him, "Hey, step up or change a diaper." But in response in response to you venting about me about the kids, how you expect me to take it? Especially when I'm trying to help you out. I'm I'm I'm supposed to be the man of the house, supposed to be bringing paying all the bill. That's why I told you, you worry about the finances. I'mma do everything else. We argue so much and it's just to the point that one time we did threaten to divorce. Like I What? For why? Cuz the constant bickering back and forth, the yelling at and who was starting the bickering? Come on, Jonathan. I I just Jonathan does not present himself as a man that ever start a bicker in his life. He might finish a bicker with a Glock, but he won't start it. The Glock is a little excessive. You never He's not going to do a Glock. I I wouldn't go that far. I'll probably do like a belt or extension cord. Oh my gosh. Yeah, he the black way. Golly. But you you never start the fights, do you? No, unless unless I have to. When would you have to? Because there had to be certain times where a a man has a certain his foot down put his foot down on certain situations regardless. What does this mean, Jonathan? So, how frequently are we arguing? Cuz finances is the leading cause for divorce in this country. That's one of the biggest argument things we That is a huge argument in our So how frequently are we arguing having these big arguments? The small arguments are almost on a daily. Unfort guys, we can't survive in a house like that. Who would want to live there? You got wash from washing dishes to how diapers are being changed to how clothes are being put up cuz we we have you guys you guys are too opinionated on small things. Well, opinionated. Yeah. Uh I Well, or is it standpoint on how things can be done? How does it make you feel, Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably wouldn't have stayed with you? because that would make my heart sink completely. I mean, me, I would I would took it as if like, okay, I'll get my free time back. I just Well, you'd still have kids, but I don't have to deal with the stress of having to wake up to the same a woman who caused me this issue at first. So, I only thing I'm do is separate my time, but still give my time to the kids. But, I mean, he did cheat. So, he cheat. So I of course I'm uh Okay, tell me about that. What the So that's what Okay, you have children. This is This is before So wasn't long ago with a 2-year-old being Yeah. Yeah. So pretty much uh he's And I asked him why did he decide to step outside? Why can't you just say asked like a normal person? Why is this a thing? Houston, what are we doing? Just say asked. Listen, I'll let you say it, but you're white. I'm not. I'm from El Salvador. Aren't you white, too? Yes, I'm white, but I like speak words. Yeah. No, I'm from El Salvador. And what kind of white? Doesn't mean you're not white. What kind is there different shades of white? Huh? Is there different shades of white? White Hispanic. Huh? Is there different shades of white or is there one kind of white? Uh, there's different backgrounds. Yeah, but like Yeah. You're like white Latino, right? 25% native. But I don't, you know. So, but you say it was racist to have me on the show. No, I was asking if it was. I'm glad it's not. So, just like Okay, so you're asking asking asking I asked you know what? You can't say it. I can't. What you order? I say it in Spanish. No. Since you need know I was Hispanic. Cuz you're white. You look like just like a fat white lady. Plus, for what it's worth, like black men, skinny black men, fat or fat white ladies. It's just like it always happens, right? There's like a science. It should be studied. Apparently, according to you, according to me, I didn't say it, but I was hoping Well, I was hoping Jonathan could just answer for me why the pairing just always happens. It's like drawn. Hey, it's just gravity. Thick th as they say. Huh? Thick thighs save lives. They create lives. Two of them. too. That's the only reason she's there. The financials are the reason why I'm still here. Oh, the only reason you're still there, too. Yeah. Okay. So, we Neither of us would be with each other if it wasn't for the kids. Pretty much, brother. That's brutal. That How is there any future then? Is that even a good future for the kids, right? Like, is it YOU PULL OUT TWICE? WELL, somebody was begging for a kid. No, NO. THEY ALL BEG. THEY ALL BEG TO stay in. You don't listen. That's the ultimate trap. They're always saying, "Oh, come in me. You don't. You don't come in me." Oh, I I'm going to come. That's the best feeling, though. It is the best feeling. And then a child. Now that you're careful. If you're careful, if you're busting inside, you're not careful. You can't bust at a certain angle inside and like it's no kids. There's not like an ultimate angle of bust, is there? Cuz if there is, I don't know it. It depends on your curve. You have a curve or not. Okay. Your curve resulted in two two kids. So you wouldn't be Oh, he cheated. Yes. How did he cheat? [ __ ] the So he cheated. Uh do you guys even love each other? Are you even anymore? Honestly. Most definitely. You are. Yes. Yeah. I'm being told your sex lives actually are not great. So great to in what extent it was. I don't know. That's what I'm being told. So I was going to ask you. It was bad at the beginning. So, pretty much we didn't know each other's body, what we like. Okay. So, we Okay. Well, I don't need to know all that. I was just wondering if you guys don't love each other, then our sex lives aren't great and he's uh uh cheating, then like Yeah, that that would be a concern. I don't I don't need to know if like you don't know each other's bodies when you first got together. Well, yeah, but that's one of the results of cheating because we were arguing so much. There was so much frustration back then and today still and one person was getting what they want despite if oh I wasn't getting what I wanted really. So it's usually the other way around because like dudes are easy. So I was asking I was asking really for the emotional part of or just for the the emotional stability from it. So you are the opposite of every man ever. She just wanted a bust and you wanted the the post sex care. Oh yeah. Most definitely. You see how you see how different it is? Yeah. It's weird. Yeah, it's weird, huh? Yeah. Uh, but that's okay. I support it and you just wanted to bust and leave. If you want to call it that. I Damn. But Houston is a different place. Different kind of people. Okay. Especially coming from a black man like me. Yeah. But yes, I don't know what you said, but yeah, he said that uh we were arguing too much. There's no communic communication and that I'm always angry. And so he wanted somebody to be emotionally there for him and make it a safe space for him. So you wanted to get cuddled and cuddled. Well, busting. So you went to a cuddle coddler. I don't say cuddle cuddler, but just just cuddle and stable if that makes sense. And your cheater did that. Hey, by all means. So I taught him how to drive by the way. So I So I felt like, you know, that's great. Yeah. So, in other words, when she got with me, I didn't have anything like anything assetwise or anything to my name to actually help progress. You're on financial audit, do you? Today? Yeah. No. Well, what the are we talking about? Sounds like she dragged you down or you dragged her down? Who even knows? So, okay. They're cheating. When did it happen? So, it happened. Were you pregnant yet? We didn't know. But you were pregnant. I was. You were pregnant when he was cheating? It was Christmas day. Oh, you cheated on Christmas day when I found out. Yeah, cuz my birthday was on his birthday. Yep. My birthday was today before. Okay. I guess if there's a day too. If there's a day too, of which there is not. Okay. Okay. Well, so you found out on Christmas. I found out on Christmas because he went out to walk the dog. He never It's her dog. Pibble. Mhm. Pibble. Terry. It It makes It's her It's her dog. It's my dog. Dang. You say you're not racist. You literally play to the stereotype. I see I just asked a question. You answered the racist answer. I just asked or asked asked. So I uh while he was out walking, he has never left his phone. And I kind of had dreams that he was cheating and I was I can't get my steps in on my on my health app. Well, first of all, my phone's with me everywhere. That doesn't mean there's like something bad on my phone. I just had my phone on me. That's that's pretty normal. I mean, I didn't think of anything about it, but I did have dreams and I was cleaning and the phone literally popped up. Dreams. What they say about dreams? Oh my gosh. No. Oh, they they for a dream or the dream seems seems to be real. Whatever they investigates, go deep into it and probably try to proclaim that the dream might be real. That's what they say about dreams. Oh, I don't know. I'm still trying to figure it out. I dreamt it and it was real. Okay. Okay. Well, that was a coincidence. Thising dream. Oh my gosh. Well, but yes, it did happen. So, you dreamed it. So, what happened? He was out walking the pit. I was out walking the dog and pitbull and he he left his phone. Uh I was cleaning. I don't know how the as I looked at his phone, I didn't even look. I wasn't scrolling. I just looked at his phone charging and it message came up and I don't know what how I just looked into it. I've never previously looked at his phone ever. Never looked through his messages ever. And this one time I just was look I looked and I saw all the messages all the pictures they sent to each other.

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It was just pictures and messages. I ain't going to physically see the girl. Pictures are so cheap, my friend. He went to deliver this pizza supposedly cuz he was working pizza. So he was supposed he said that my practice run. That was my practice run as me trying to be a delivery man. No, that so party. Okay, cuz I was never they never sent I always stuck on the inside as assistant manager. So they so when they we were short on drivers that so you delivered to her specifically only. Yeah, that was that was the first order. Are you telling me you never? No. What? May as well at that point. I thought you meet up. Why did you meet up? Why were you going to go see her? Yeah, you don't meet someone you get nudes from and send nudes to and you don't. This is not this is that's what that's Come on. I mean, come on. He's like, "Were you going to cheat?" He's like, "No, dude." Well, you did. If you're sending nudes and you're getting nudes, that is cheating. Unless, again, you guys are okay with it. But like, exactly. That wasn't Here's the thing. Listen. Um, cheating not good. Not in favor of that. Don't do that. But what's the butt? Why the were you just allowing messages to fly through? You're the worst cheater I've ever met. Hey, that's how you know I was new to it. Cuz new to it. No, it's just you're Hey, buddy. Just letting me messages pop up. What are you doing? It went from Snapchat to messages on iPhone. I'm like, "Oh, so was it getting serious? Did you have feelings for her? And you were pregnant when you found out? I found out that I was pregnant 2 weeks after we had this. Okay. So, what happened when you found out he was cheating? I lost it. I I'm very quiet. Like quiet in the sense that I don't like my drama out there. I Well, I excuse my I I removed myself from the situation and been gone from the from the space that she was in for like what three four days. Yeah. Well, that's the thing because I don't know way literally instead of talking away, but I was He literally went to his mom's and did not answer my messages. I wanted to talk about it and basically I was so upset to the point why the did you run away if she wanted her to talk about dude she finds out you're cheating your wife pregnant not known yet and you leave fiance at the moment 4 days. Yeah. Oh my goodness. You were engaged. Yeah, we were. That's crazy. Yes. 4 days you left. She wanted to talk about it. He did not answer my phone. He blocked me for A WHILE. YOU BLOCKED HER. WHAT WAS YOUR intent here? To give her the space I need. Give her the space that she need. Give her space. You blocked her. Yes. She can She can figure out what she needs. And I'd be I'd be scared of a big Latina as well. I wasn't really scared. You blocked her and left. What the else worry? Give her space. Okay. 4 days later. No, that was me not caring no more. That was me just trying to find a reason trying to see if I can find a reason to care. Oh, you were done. Yeah, I was done. Completed out. But then she called me one one good time and asked me just do it just do it for respect. Just out of respect. I'm like, "All right, I'll give you the respect and talk to you one last time. Just see how where it would go." And eventually that led from a three, four, almost a 5 hour talk on the phone. No, in person. In person. So you guys met up after 4 days. Mhm. And he went back to the apartment cuz we were living together. So he went back to the apartment after those four days. And that conversation was nothing but yell crying, yelling, like hurtful words. Us trying to get off like our whatever we've been keeping up from each other for some months or some years. In that moment, we just let it all out like this is how we feel about each other. But you're still considering that this won't last a lifetime. like you're actively saying that you're both saying that that if you didn't have kids together, you wouldn't be together and you're still considering divorce. You've told Colton specifically and honestly I mean and then you told Colton she basically forced you into the marriage. So it's like it's has anything even changed? Honestly, zero confidence that no one's cheated on each other since. Yeah. No. Oh, see she she has no confidence that that hasn't happened. If you guys don't love each other, you're with each other for the I'm sure there's a little bit of love in there, some kind of love. But like, if you're considering leaving together, you don't want to be together, you're forced into a marriage, one of you has a Come on, at least texted someone at this point in the last couple years. There's no way. If if not both of you. Yeah, there we go. That response says everything I need to know from both of you. We can admit it. You've texted someone. Come on. Of course. And you? Of course you. Of course. There you go. But as but as far as I actually haven't in the last two years. There's no way. Well, he admitted he so there you go. You heard it here. Cuz I refused to tell other people that we were having marriage problems. So I was like Well, good thing you came on and saw millions of people. I know. Now I'm so funny. Ha ha. I don't think it's funny, but Well, it's not. Especially if you keep texting people. Guys, sometimes we can't see I don't about how you just text a girl. How do you find them? No, we're not texting like Oh, he is. He said he is. No, not other people. We're just I'm texting my friends like my home boys. My friends. Well, I specifically said girls and you admitted to it until she said she didn't and now you're saying your homeboy. Yeah. Mhm. Okay. And what happens because she has put an ultimatum, not necessarily an ultimatum, but a timeline. She says in July she's just quitting her job. Come July, it's two months from now. What are we gonna do? If you don't even basically want to be there, why the would he work extra hours? It's for the kids. She wants It's for the kids. Yeah. She wants me to make all the money for the kids. And I'm trying and me, this is just the stereotype on my end. I'm just trying to avoid child support cuz I don't know how heavy that that kind of is. Wow. Yeah, that's how it felt. How does this feel to hear? This is insane. I don't hear [ __ ] like this on the show. This is crazy. And I thank you for being honest, by the way. That's incredible. You're a beautiful man. What the How does that feel to hear? That's crazy. I actually don't appreciate that. I just I wish you would have been more open about this, you know, before we had a second baby, you know, you should know I didn't have anything. You should know we weren't ready to have kids, especially for the first one. Well, it happened. And we didn't know if it happened cuz supposedly I wasn't I couldn't have babies. So every time that's every time on this show. So why have the second one then? Cuz we were bet we're getting better things were good. We're getting better. And then at that time first year. Okay. Yeah. But at that time when the second time second child did happen when when he was conceived it was a time where everything was good at the br it was like the it felt like a honeymoon. A honeymoon. Yeah. So even though we've been together for like 6 years it felt like we were still in a honeymoon. Yeah. It's like a fresh start again. Mhm. But there's not going to be another one of those unless we have like another kid. But please don't. Oh no. Thank cuz you guys aren't even like wanting to be together. So it's literally only the kids and the lack of child support. So child support and the kids is why he's there. Why are you staying? I mean I love the man. I do. No. Again, I said there's probably some love here, but you've told Colton and you specifically like I've considered divorce. Don't even if if it was for the kids. Is it just the kids? We both kind of have. H I said we both have have what? Considered divorce. Considered divorced. Oh yeah. No, I Yeah, but he keeps saying that there we shouldn't we shouldn't. So I don't understand why he's telling you something and he's telling me something else. It's like he's telling you, "Oh yeah, no, no more." And then he's telling me, "But we should try. We should need we need a change. We need to work on this." I'm saying that for the kids, not saying it for me and her. This is for the kids. So where the kids could see a better example out of their parents, not just to see them bicker and fight over washing dishes over Yeah, if you guys fight every single day, I don't really understand. You guys don't even want to be there. What the are we doing? Like, what am I doing? Like, yes, I can look at the finances of the household and we can do something, but there's no future. I just don't really understand. And I know your parents were vehemently against even being with him anyway, right? My mom was your mom for different communications, different backgrounds. Black. Yeah. Okay. So, black is a curse or black is a privilege in certain areas. Sure. I Okay, but the thing is it's just like what the are we going to do? What can we do? I can't fix a an entire I can't fix us wanting to be together or not. So, it's like that's brutal at that point. Well, the big issue finances. Come on. If you guys are bickering down to the sex lives, if we're bickering down to the dishes, if we're if we don't want to be with each other for many different reasons and we're only there because of like child support is scary. Finances are going to solve what sounds like a sliver of the overall issues here. It really does. I don't I don't think I don't think so. I think that by fixing this financials, I think I won't be a stress. What about Jonathan? You You know why it fixes the stress for you? Because you want to sit your ass at home. That's why the finances are good. Not get the bill call the bill collector calls on the day. But he makes the income so that they can be paid. I do too now. Now, but you're quitting in a month and a half no matter what. Okay. So now all the So now I'm put in position to where I got to look for another job. He said that he was looking for a job that he's been applying. I don't think so. I think he applied. He would have to. It's I'm sorry. It's modern day society. You don't necessarily get to stay home if you want to. If we're both like lower skilled, lower income, you don't get that privilege. That's just the reality of this situation. We got mouths to feed. We got a roof to keep over the head. You got to work. That's reality. Well, I told him I was like, "I can help. I can work until you need me to, but honestly, I really want to take care of the kids. I want to be there." I get that. Who's taking care of the kids now that you're working? My mom. THAT'S FINE. THAT happened to me. I turned out okay. At least. Okay. Relatively. No. I mean, yeah, she's very very overprotective about who watches the kids and your mother's not good enough. My mom is. It's just that I And what's the issue, dude? You have to pay sitting the kids. Yeah. And I'm sure a reasonable amount better than daycare. That's true. But Well, there you go. You're fine. Go work. Both of you should probably work 60 hours a week each. Pay off the debt and then we can consider things. How can you consider quitting your job before he has a second job lined up? And even more importantly, before we have an emergency fund and even more importantly, before we have all the bad debt paid off. How could you even consider that? That's so selfish. That's so selfish with your mother being there. If there was no one else to take care of your kid, I wouldn't say it's selfish cuz you got to take care of the kid. But if the mother's there, you have to put your household first and make sure you have a safety net of an emergency fund and getting out of this debt first. If not, then you're just being selfish cuz you want to be home. But it's been six years of the same. It's two two twoyear-old kid is the oldest we have. Shut up. We've been together for 6 years. Okay. Of the same thing. What? Of the same. We've been in debt since we got And whose fault? Her her mindset has been mainly since getting with me has been more focused on trying to fix the debt that we are that I I for 6 years that I have I have signed up to implement that. I have signed up to it was my it's my debt. What the is wrong with you? If it's your fault when I asked that question, I didn't even know. I don't know whose dad is whose. OKAY. I DIDN'T EVEN KNOW. SO, if it's your fault and it's your problem, we've been dealing with this for 6 years. You have. You have. Yeah, I'm just cosigning to go along with it as Why would you Why would you enable? Why would you support this? Cuz I love her. Make sure love her enough to cosign. Not love enough to stick around though. Just don't understand. Not love enough to not cheat and text other people. There's a different kind of love. a different kind of love that's out there. He just wants to bust. Okay, that's it happens. No, it's not it's not the fact I want to bust. Is the fact that I want to feel comfortable. I want to be able to know for a fact I'm in a good place without So, what do you find with these other women then? I'm going say a small little sense of a sense of security and reassurance that I was hoping to ask from her. But what do they do that gives you that? Nothing. Send news. Quiet. This is him. I'm going say, "Ask me how I'm doing. How my day is or what's going on in your head? How can I help you? You need have you ate? Do you need anything?" Stuff like just small stuff like that. And then I feel like I had to come to her and beg her for it. And does she still She got just a slightly better, but it's it needs a little bit more improvement. Why don't you step up on that regard? That's not your natural love language, but it's his. It's Yeah, it it's hard. just takes a little bit of effort. It's not something biological within you. You're able

To just do it as a as a courtesy. It's well, it's difficult because when I ask him, hey, how was your day? Same old.

Yeah, but he just wants to be asked. Who cares what his answer is? Well, you have your own needs that you want him to provide and he has this. Who cares what his response is? That's what he's asking for. What are you asking him for? And is he delivering? Uh not all the time delivering.

What are you asking for that is not delivered? It's security. This is the security this financial you're the one going. I just want to be able to secure financially financially. That's what I ask. That's the main thing I ask from him. That's really it. All I ask is to be financially secured because I'm But you're the one going into debt. So that's how's that even fair to put on him.

But this is why I'm going to go further into debt. You need to make more money to pay it off and then I'm going to go further into debt. Hey, but I want to be financially secure. Where does that make sense? I can't vibe with yours as much as I can vibe with his. Where does that make sense?

Well, the debt I told him about this debt before we even got to, you know, agreed to get in together explain it was explained thoroughly as much as now. She only told me, "Oh, I'm in debt. I'm I'm trying to make sure I get all my stuff together because I just It was always me." But it's been 6 years. I don't care. What about since then? Since then? The debt we've gone in, the debt he's co-signed for. You're begging him for financial security, but you're getting him to cosign on debt that you make worse.

Well, we need How can you beg him for financial security? How? Please define what that would look like. Because when I was a stay-at-home mom and he did give me that sense of security, I was I was so much I was improving in in in all senses of, you know, how are you improving? Just cuz you got what you want, you were happier. Like, yeah, we all are happier when we get what we want. Life isn't always like that.

I was more emotional. Like, I was more emotionally available. I was more available. Yeah. Because I'm just so I feel like I'm in a struggle. She had to succumb into making herself available and to accommodate to what I actually need or want. Yeah. When we work, we have to give a little extra energy after work. We just have to.

Well, I sometimes I don't ask him because it's irritating. It's just irritating sometimes because he's just so irritating to ask me how I'm doing. Irritating to ask me about my what's up. The same answer. It's just doesn't matter though. That's what he's asking for.

You keep saying that, but I'm like, what am I supposed Okay. Well, express express how you feel to him. You tell me the same thing. So, what am I supposed to say that? I I don't know. What am I supposed to say? It's the same thing. What What can I say to make you feel better? There's just no way, dude. It's like you ask me these things but you don't give me the solutions. I'm like when I ask you for something I do give you like I'm like this is a solution that could be this is another solution that could be but you just tell me I want this. Okay. How do how can I do that better? You're just like okay well

Well, that's it all comes down to how you look at the situation about like especially how I'm trying to tell you. I understand I'll tell you everything verbatim how you want to be like I don't come through with a whole detailed story about oh such such did that I did this that and the third. I I I'm not built to come with detailed stories like that. I'm going just put it all simple. So nonchalant it's irritating sometimes.

What the is that you just shut him down? Maybe his point's not right. But you just interrupted and shut down. It's not a productive. If that's how every conversation goes then maybe I understand why he walks away. Well I feel like I don't shut down. I feel like I You shut him down. You just did. Well, well, I disagree. But okay, good one. Got me.

I I to I mean I don't I don't know what he wants. I don't understand. I like I asked. But Express what you want then. What's different? Express what you want that is different specifically to her. Let him try. Where's the patience? That's mainly the main thing I asked for is like I said, patience. Cuz when I first proposed to her cuz the moment I proposed to her, I it was I was put into ultimatum to choose. So my mom was going to move to Florida and I was stay with my mom at that time. So she asked me if I wanted to come with her or do I want to do something else and I was like what 19 20 at the time. So I didn't really have much of a I guess a guided a guided principal guided you know any guidance on how to go about that situation. So I asked her the proposal too, just an FYI. The proposal, it was literally the bedroom.

You are such a The thing is I was kind of against what he was saying right there. I was listening. I'm like, what the [ __ ] is this guy saying? What is he saying? And then you just interrupt him with even worse [ __ ] behavior. It's like, what? I'm against both of you. Like what what the Yeah. Choose choose the woman over your mother. I'm sorry. You're not going to live with your mom forever. You're right. But I guess love your mother. I'm not saying don't love her, but yeah. Okay. 20 fresh out of juvie. I'm proud of you. Choose her. Don't live with your mother in Florida.

But that's the thing. So I at that time when my mom did move, she came back. So it's like, yeah, it would would have been kind of pointless. That's where your mom lives. You're just This is me with her, right? I What are we I don't even know what we're saying, guys. What the is even happening? I don't even understand. What point are either of you you hate the proposal? Who cares? Why' you hate it? Maybe I care. It wasn't basically there was nobody to There was no share it with it was in his room. He and and he just proposed in his room and I was just like, "Oh, how' you do that?" I guess that was part of the ultimatum that I really had. I ain't really planned that much time into making that proposal. Go at least go down to a park at a minimum in his I hated it. I hated it. But I was like, I love him. I we can make this work, but yeah, I still kind of kind of hate that still to be honest. It's still I'm just like I wish Well, I mean, get over it. It is weird. You hated proposal, but you're still here right now.

Well, I think we both understand. We all understand why it's the kids at this point. Yes, there's love, but I think we're we've we're ready to separate even with that, but we won't because of the kids, which is sad. Sad for the kids. Um, but yeah, next time you propose, not in your room. Next time. And if you guys leave, I don't know. But all I'm saying is, yeah, bad proposal also like 3 years ago. Get over it. Like, what are we doing? Why? Why are you locked on to that? Who cares? Because I don't have I don't have pictures to show my kids. She wants She wants me. Your daddy proposed and but it's already done. Make new memories. It's already done. We're trying to work towards it. But are you going having it? You are not. Yes. Cuz you keep opening debts that I'm a part of.

But I talked to him about it. Obviously, if you don't agree about it, if you don't agree, he could have said no. But he can't do anything if he doesn't say no. You're incapable. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but it's limited to the first 1,000 people to purchase. For a onetime payment of $500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pin comment below. This is the best membership you'll ever join, and that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

Do you smoke that much weed? You're that out of your mind. I know you spend a [ __ ] ton on weed. You're that gone that you need someone else to say no or else you can't consent to you opening a debt. You're that blazed every day. We're We're married, so we're supposed to talk about it, don't we? So, I don't understand.

Yes, conversations are nice, but you can't have an opinion unless he says something. You can't have self-control unless he says something and brings out the belt. All the new all the new dip is about what's for the house. Like, it's not You still have agency. You're allowed to have the no opinion even if he has the yes opinion. You know that, right? Do you? Apparently not.

What do you guys think your household financial score is? 0 to 10. Zero being the absolute worst, 10 being the absolute best. Zero. Three, maybe. I mean, I doubt it. But why do you think it's a three? You said 10 being the best. 10 being the best you can ever imagine. I'm going say three. The only reason I said three cuz it's it's slowly but surely get getting adjusted into making the changes that we need make. But Oh, Lord. Let's let's uh answer a basic question then.

Okay, so we know what comes in is about like 6,000 bucks a month. Uh it's kind of what lined up. I mean, okay, we're getting cash advance and a bunch of [ __ ] I'm not going to count that. But what went out? What was your outflow? More than what we make. Yeah. I'm going to say about a good 1.5 times what we make. Oh god. How about 9,500? 1,500 over 9,500 was the total like in a month. That's what we spent. 9,500 in a month. Yeah. You sure that's right? Cuz I don't think that's right. That's That's That's numbers.

If you want to figure out your Hammer financial score, make sure you go to cale hammer.com. Take the assessment. It is free. See where you stand in the world of money. It's free. It takes a few minutes. See where you're doing poorly, where you're doing great, and how to get great from your bad position if you are. And if you don't want to be in that bad position for long, like the guests on this show, make sure you download the Dollarise budgeting app. There's a free trial to see if you like it. And most people take the annual version after the free trial because it saves a lot of money. And you get my personal 30-day detailed meal plan that breaks out every snack, every meal, every recipe, everything you have to do. And it comes with the digital cookbooks as well so that you can budget your meals effectively. No more excuses. I will sign it and mail it directly to you. There you go. I thought you can cancel those. The cookbook. the cookbook. Now, there's the digital version of the cookbook that comes with the 30-day meal plan. Oh, okay. Okay. Cuz I tried to get your cookbook, but as you can see, apparently $9,000 out is crazy. I think your cookbook is a little bit outside our budget. Well, I mean, it came with the annual version of the budgeting app, and the budgeting app would have Yeah, but it would have saved you hundreds a month. So, actually, you would have, but either way, who has credit one?

I need to know what's um co-signed, what's who's on what, all that kind of stuff. Who's on credit one? me. Just you. He's not on it. Okay. He used to be on the old credit one. Well, credit one's like the worst of the worst of the worst of the worst. It doesn't get much better than this. So, tell me tell me what's going on with Credit One. So, the old account I overdrafted so much and why? Cuz we were obviously living above our means as you can see. Doing what? Well, back in the day we used to Yes. back in 2023 or whatever. I mean, I know you're calorically excited, but we used to spend a lot of money on weed. Oh, like you don't now. Come on. $22 in shiply donuts immediately right there. Blaze out of youring mind. I know that's what you're doing. The donuts is for It's for the family. It's not worth just for her or me. It's for her mom to who helps out with the kids. Yes, it is. Doesn't for the family. It doesn't for you. I got it. Okay. Shipley is good. Houston based. I love me a Shipley. Yeah. You You ever been to Shipley's? I just thought I like it. Oh. Hey. Um Well, we would spend so much money like And we didn't have ON WEED AND THEN GOING OUT TO EAT. YES. YES. YES, we did. But in order to um you know, pay for other things, I would use my credit card like sometimes gas, stuff like that in my credit card. Even food. Even food. Um and it was to the point that I just couldn't keep up with it. Even food. Yes. That's what we were spending on, right? That's what we were. Yeah. You spent almost 1,000 bucks going out there last month. Shut the up. That's what you were were That's what you are. That's what you are. What do you mean were? Were. You don't know were. You are. And you will. That's what you DO NOW.

When you don't have time to cook, this is what you do. God. You have time to meal prep. You have time to warm up. Absolutely. It feels like we're in the trenches right now with trenches. You both work 40 hours a week. Shut the [ __ ] up. The work schedule that we have in the times that we come from, we get home at 7. We That's what both of my parents did who worked even more hours. And what did we do? Spaghetti every day. That's what happens. It's not yummy. IT'S NOT GREAT. WHITE PEOPLE TACOS. WELL, white people tacos. Super fun. Okay. But kids are nowadays picky. So Oh, nowadays a 2-year-old and one-year-old chocolate want spaghetti. They will eat. Kids, not all kids are born the same. Not all kids have the same. Are they? No, they will eat. They will figure it out. Dude, come on. Unless you spoil them and give them every single little thing they want. Are they How many How many uh do they have? Are they on the iPad? Not at all. They are never on a device. I have no iPad. Thank Well, I don't understand how you guys So, I don't want that. So, I Yeah, I watch I'm an iPad kid, so I don't want that.

And then break. You put 130 bucks on here. It's not an emergency fund. This is not an emergency fund. This credit one card that you are now above the balance of $22.84 above the limit. Okay. 522.82 is what you owe on here or 84, sorry, with a $30 minimum monthly payment. Takes two years to pay off. Minimums only, but there are fees being added. There are minimum interest being added. Huh. I didn't know anything about Well, that's what Credit One is. It's just endless fees fees fees fees fees fees fees fees forever. I didn't know until watching your show about Credit One how bad it was. It's bad. Yeah. Yeah. I had no idea either. Why? Why? Why? Why were we putting donuts on a credit card that is acrewing interest that we cannot pay off? Just alone. Just alone. That concept. Why? Please, anyone. Cuz that's $20 that that we don't have to spend. And what was your plan? Well, that is you spent. Well, it's not our money that we had to pay back, but it's not coming out of Then you know at that exact moment. Sure. So what was our grand plan with this? What were you thinking every time you do this? What was our plan in the future? Our plan was we'll pay it back. How? Working check by check bit by bit. Overtime. The overtime I get from my job. You work 40 hours a week. You're bringing 3,000 bucks a month and 9,000 was out. And it m Well, rent bills. Yes. necessities that the kids don't need of which Shipley's is not. It's a small little treat for the kids. The kids are for horror. Come on. Well, it's for the kids and her. So, Mhm. And don't forget her mom also watches the kids. So, we also got to tend to her mom. Make sure her mom's taken care of. Well, I'm okay with that part cuz that saves money over over the long term versus like daycare cuz you're able to work. Okay. So, I'm okay with that part. But shley, we don't have to get Okay. Okay. Listen, both of you do need to make more money. That is true. I'll get you both course career certifications of your choice, either the trades or into tech. A lot of people in the audience have used them to either get new positions at their companies or better positions outside their companies. Get six figure jobs. Course careers is great. So, I'll get you set up with those. Okay. Convert those into better paying jobs. You have to. Yeah. Okay. You have to. It's not the easiest job market in the world right now, but you know, we added a lot of jobs last month. Maybe it's getting better. We'll see.

Snap. Snap. Why do you owe to Snap? Oh no, it's gone to collection. Oh, wait. No. Oh, it's been sold off, but it's still on minimum payment. I don't What the [ __ ] is going on here? Who has this? What? What is going on here? Can someone educate me? GIVE ME A LITTLE EDUCATION. I don't know what that is. What the is your document? The mattress. Gotcha. Oh, what the mattress did you get? This was in my last relationship. So, this is how I got the What? So, I'm dealing with something from your last relationship. You Yes. How many years ago was this? You guys talked about being together since I told him this. He just see this is the thing. Repetition. I always got to keep telling him the same thing. A small finance you kept up. He's a small finance you kept away. I understand you told me about the situation itself, but it's about small financial things you happen. I'm dealing with this now. Yeah. Like 9 years later. What the how how possibly are you still paying on this money on everything else and never paid off? How like what was this loan? It's a $25 month a month loan. Like this will never be paid off. never be paid off. This is crazy. You still owe $1,940.92 at a $25. What was this mattress possibly? Yeah, he got this in 2021, which that doesn't even add up with the 6 years, by the way. Are you seeing him overlap? It's 2026 right now, not seven. Yeah, but like we got together like so fast after that relationship. So maybe that's What was the mattress that you still owed 2,000 on with the $25 payment? What was this? So, with my ex, I was living with him at that time. I got that part. Is it like a $30,000 mattress? I want whatever it is. It must be incredible. It It was It was What was it? It's two twins with like you combine as a queen or king or whatever, but they're like you can raise them up or massage or whatever. It It's It's massage. Yeah. It's like a deluxe suite like orthopedic I don't know uh but that was and then they included supposedly a free 65 in um TV but I I was he was con the ex convinced me cuz we were living in the apartment with an air mattress his inflatable air mattress so you have to get a million dollar mattress a super mattress I didn't think anything I just I was just [ __ ] but You're still paying on it. You're paying on it after your X. He I don't know what he's doing. I don't I don't know nothing about him anymore, but this is my portion. No. No. Thank god. Well, 25 bucks a month for like ever. Unless who knows what the interest is, if any. I I don't really know. I think they closed it, so I don't think there's interest there. Yeah, it was closed. Sold the collections and now you're on a payment plan with collections. Oh, yeah. Like, this is [ __ ] crazy. Okay. 194. Well, I This is the first time I got into a payment plan. I never paid it until now. Just started paying this like last month. Yeah. Okay. So, it went to collections and may have actually fallen off relatively soon, but now you're on this, so it's all reset. Oh, Lord. Uh 77 months to pay off. It's pretty brutal. Mhm. You'll have this for 6 and 1/2 years. 6 and 1/2 years. You're going to be paying on this. A mattress I'm not sleeping on. The mattress you're not sleeping on where he used. Oh gosh. Great. Great. Great.

Okay. But that's the past, you know. Kind of. Not really. It's right now. I I would actually say it's right now cuz you're paying on it right now. At least with my money. At least with what I work for. Realize it's our money. Whatever. We are together. So, we are a joint income. Even though we don't we don't have a shared account, but we realize we were making money together in the same relationship. So, why aren't you guys joined? because there's no money. What what we're supposed to join joint for negative if you're separate with no money be joint with no money. It's more or less the the spending that come that can come out of that one account and then we'll really be looking at each other like where where's this going what you doing and stuff like that. Well, did you say all money goes into one account? No, it's if it were if it were Well, why why don't we because then we would have more insights again. But through dollar wise with the automated account connections and insights, you'll know exactly where it's going regardless. But with the but at least with one account that makes it easier, right? I don't understand why not. Because again, I just thought it was unnecessary since there's no money. I mean, what money we're going to put in there? The the the rent money. I mean, we already pay that in our separate accounts. Like, we just make sure that we have it and whoever has that money pays it off. It is. I'm from my point of view, I don't see no benefits in having a joint account. The benefit is again more insights, more control. You're able to send out from that bank account out. Everything comes in. You know how much is coming in. It makes more sense.

Okay. Collections. I'm being told this is yours. So, you do have debt. Apartment. Why do you owe apartment collections? We broke a lease. Why? Who's we? I The apartment was applied under my name at first cuz this is the apartment that we moved into when I when I instead of me moving in with my mom, I moved in. Oh, you just moved out. I don't think you broke it. If you broke it, you would have a little payment thing that you could make with that. Yes. Or you broke it and didn't pay it. Yeah. So, so in the in the process in the process of us breaking the lease, what happened with that is we had a car. We had a car and the the apartment complex has parking, a small parking, like small parking apartment complex and everything like that. They have a section where you have guests and residents and Yeah, that's normal. And then you have also spots that are like reserved for people who actually pay for spots. Everything everything even from the guest spots was taken. That's normal. That happens. Yeah. And then they for they put they put me into a position where I had to park in a guest spot and then the apartment complex switched up their parking situations like four or five times. Okay. And then the past two times they ain't let us know anything. No, they will send like a notice or send out a mass text or anything like that. The past two times they ain't do nothing. So So you bail on your apartment up your credit forever? Like what? He his car got my car got towed told due to the fact that that's annoying. So you pay the bill, you get it back, but that's 500 to 600. This is 4,79. Which one's worse? Like, yes, that's annoying. I I'm with you. That That's annoying. I got that. Well, also, we broke it because we were literally a month away from giving birth to our first son. So, the apartment complex refused to change the um the main the maintenance for the apartment. So, I didn't want my kid to be crawling in this DIRTY CARPET. CLEAN IT. GET A CARPET CLEANER FOR LIKE $200 on Thumbtac. I use them. They come clean my rugs. And I have a decently sized house. It's not that expensive. That $200 to get your carpet cleaned or $4,000. Which one's better? $500 to get your co car untoed or $4,000? WHICH ONE'S BETTER, GUYS? Standing up to the man just you. I did. And now I'm I'm guessing your guys' credit so with his collections and everything. Good luck moving from your current place if you need to. Exactly. No, you'll never be able to. Is your nice Is your new place at least decent? You like your new place? Oh, great. See, here's the thing. Yeah, as far as far as place that we're in right now, she that that's another thing we need to talk about. That was something that I was also excluded off from as well. So when in the midst of us trying to get inside the house, she already had plans on what the house looked like and everything like that. She only told house you guys have a house. That's the house we're renting. But you don't like it. I say is it's the house that is a house is a house. But it the fact that I was excluded on like what the house looked like, like the the whole process of us moving into the house, I ain't know nothing until we actually officially got there. Well, who cares? I care. I mean, yeah, that that's nice, but like we're just trying to get more space for the kid, I assume. But even still for the dog, but you don't even like it and you picked it. Well, I didn't know when I got there. The reason why But you like it and you can't The reason why is because there was no lease. There's no lease. So if there's no breaking and she she like only liked it because it was convenient to stay by her mom cuz her mom was 5 minutes from my mom. Yes, that's good. Especially if she's backard for the dog. That's good, too. What's the issue? So the issue is that it's now kind of falling apart. It's there's no there's no maintenance. But you're not on a lease. Mm-m. Isn't that good? Yes. That's why I tried to move into an apartment and that was not like So we pay cuz no one will accept you anywhere. I mean, you'll have to do like a mom pa and just explain the situation, but I mean, you're still probably considered too risky. There's still They're still not who the would rent to you guys. Absolutely not. So, who would get your credit in my thought process? I'm like, we paying $1,500. We can definitely pay $900 apartment. And so, that's why I applied. No, it works, girl. No, you Okay. Yeah. So, I mean, that's [ __ ] I mean, makes sense. I don't know. Now, it's collections and you can't I mean, I would ra you're going to have to negotiate that down to like 2,000. I don't necessarily want to borrow for it. I don't know. But it's preventing you from moving. Yeah. That's that's going to hurt you longer term. Mhm. It It really is. It really is. I'm trying.

Collection's money key. Oh, what's money? Oh, that sounds like you. What is it? Yes. I was alone to pay for rent. Why? Cuz I didn't have We didn't have the money. Yeah, but you could have worked. I know you weren't. And your mother was there? No, this is back in How close was she? My mom 40 minutes. Okay. Even still, then you drive 40 minutes, drop the kid off, go work your ass off, and drive 40 minutes. Life isn't great all the time. You have to make sacrifices. Now you're doing payday loans that are now in collections. That's what happens. So what the Well, I just I'm just It's only 700, too. Like I mean, yes, that that is, don't get me wrong, 700 is an impactful amount of money. You spent 900 going out to eat last month. You could get this off your credit. Save that $900 twice. You might be able to negotiate your apartment collections down. You guys have an escape path here with how much you spend. So you telling us to Well, honestly, we didn't know we were spending the money. No [ __ ] So you tell us to maneuver from fast food to saving cooking at home. Yeah. Okay. Well, we're I still feel like we're living in the trenches. So, it's like we not

So, here's a here's here's a stereotypical black turn. So, my grandmother before she passed, she told me she always told us about a saying called catchers catch can. So, what? Say it again. Catchers catch can. Catchers catch can. Yes. Okay. Yes. Explain. So, you're in the kitchen. You're the catcher. You catch what you can in the kitchen. Is that bottoming? Who? Okay. Continue. No. So I was saying so you in the c you're in the kitchen so you're hungry you play you you are the catcher. So you in the kitchen you catch what you can to fix what to feed yourself. So you catch your catch can saying make caugh dog. Okay. So essentially it's a weird way of saying eat what's at home pretty much. Okay. Okay. Could have just said that but yeah guess we need a saying for everything. He preaches that all the time but he doesn't. I have a saying. You guys are poor and fix that. There you go. Follow that saying. That'll get you places. Dang. Well, I think fix that. Don't forget the fix it part. Bob the Builder style, right? Yeah. Bob the Builder. Yeah. Yeah. Yeah. Yeah. We love Bob the Builder. Ah, yes. You guys have kids. That's okay. I was wondering. I was like, is that what you're watching for entertainment? It would make sense. But no, we watch Dragon Tales and Curious George. Okay. Good pick. Good pick. Not that modern slop. I I appreciate that. Exactly. Exactly. Oh, it sounds like the kids are growing up in a noniPad. Decent cartoons. I appreciate that. I really do. Um, okay. So, 700. I don't know why. Not even you could get on payment plan for that, but instead you did for the bet of 2,000, but whatever. Owed to mother. Which mother? Whose mother? I know we both have mothers. Okay. My mother. 25,500. Why? Possibly for electricity. Good death woman. Yes, they have a bill you haven't borrowed against. And when you guys both right now you guys make $6,000 a month. Like you you make okay money. Like very livable median household income money. What is the issue here? And that's net. That's not gross. That's net. Starbucks is [ __ ] and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. MAKE GAMER SUBS AT HOME FOR JUST 40 cents a 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. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Stop bleeding out money making minimum payments across multiple highinterest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or oh my goodness, a payday loan charging you tripledigit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes, and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to caleb.com. And remember, you still got to do the work.

But this is when I was a stay-at-home mom that I had to borrow this money cuz he didn't even though he had two jobs, he couldn't still afford everything in the house. everything that you wanted, by the way, cuz you were probably still spending money going out to eat. Then you're like, "Oh, mommy, so I need to Yes, you were. Absolutely. Yes, you were. Yes, you were. Yes, you were. Yes, you were. Yes, you were. Yes, you were. You were getting [ __ ] It was displaced [ __ ] Absolutely. Amazon, whatever it is. Absolutely. I know for a fact the spending does not get like this where it was not before. That's impossible. You can't tell me that. You wouldn't be borrowing money from your mother." 25,500. Yeah. Well, most of it was for light bill cuz it did get shut off. So, I didn't want my kids to Your light bill got shut off. So, we I had to What month was it shut off? Oo, maybe January of probably this year. No, probably if not this year, then last year. Last year, I think. Well, no, no. Was it January 25 or 26? 25, guys. Was it this year or last year? I don't I don't know, guys. Was it 5 months ago or last year safely? We don't remember. Last year. Let's just say last year. No, I need to know exactly. I need to know. Search your chat with your mother. I need to know exactly when the electricity was paid off. Would it be in your chat history? No, cuz I talked to her in front of FACE TO FACE. I want to look at your checking account during that month, but you can't even tell. Of course you're spending money on [ __ ] Absolutely. Of course you were. There's no way you weren't. Now, are you on a payment plan or anything? Did you have one kid or two kids when it was shut off? One. One. Yeah. So, it was But you just don't know what month. Yeah. So, it was the time period like that. The time period. A little long time period. Was it warm or cold out? It was getting hotter again. So, it would have to be January, Febru February. Probably. I don't. Well, this is Houston. So, maybe like it start gets hot like around March, April. Oh, good death. Oh, good death. How are you guys going to just make it in life? What the are we doing here? What the are we doing here? Living on a living on a dream.

What do your parents think about your financial situation currently? Oh, they they're My mom really doesn't My parents really don't know much about my finances or don't really know much about what's going on in my own household cuz I keep that discreetly between. You don't ask them for financial 500 woman. No, his mom. I don't ask my I don't ask my parents for any financial advice cuz why advice just in general cuz my my my parents separated when I was 10 months old 9 10 months old. Well I know and then um due to that do from that point on uh it was really my dad who walked away. So trying to talk go to my dad about the advice or anything kind of advice at all just went left. He's in worse situations financially. That's fine. That's fine. So, but yeah, that's part of it. And then, and are you honest to your parents about your financial situation? Will you borrow money for them? Because your dad's up next. Are you honest? Yes. Okay. I'm being told specifically no. So, tell me the truth, woman. She does know. It's just parents cuz you borrowed 2500 from your dad as well. Yeah. Come on. They know why I borrowed the money from them. Yes. But your financial situation overall, do they know that you're spending $1,000 going out tea, $1,200 on miscellaneous [ __ ] instead of paying them back a single dime? No, the they do not. Of course not. Let's call them in the post show. Yes. Absolutely. Yes, I will call them and I'm telling them how you're spending your money. Absolutely. I bet she's watching the kids right now, isn't she? Uh-huh. We're going to have a nice little chat. Okay. So why'd you borrow 2500 from your dad? The English speaking dad insurance for car 2500. It's been years of this is pathetic. What is wrong with you guys? You're 27. It's time to grow the up. There is nothing wrong with falling onto loving family when you face a hard time. But you're not facing a hard time. You are spending money you don't have on [ __ ] you don't need. that is not improving life. And then you borrow from them for insurance for years. You borrow for the lights because you chose fun over lights because you refuse to work even though mother can watch. This is pathetic. You guys make okay money when you both work, which is what you can do. And yet you borrow from them continuously and don't pay them back a single scent. It's pathetic. You should feel pathetic. You should feel ashamed. You deserve that feeling. Now you need to do something with it, but you deserve that feeling.

Well, it's kind of hard to hit me with that feeling cuz I'm I ain't going to say I don't care too much, but it's You don't care. You have no pride as a man. I have pride. It just haven't hit me like that yet. How is it not right now? Where's the wakeup call? What could I even say to you? I don't know yet. I'm still trying to figure that part out. No, I think you just don't give a [ __ ] then. And then what's the point of any of this if you don't give a [ __ ] If you don't give a [ __ ] you're never going to take care of her. You're never going to take care of the kids. You're never going to sacrifice anything. You're never going to cut back on spending. You're never going to combine accounts. You're never going to open a budgeting app. You're never going to educate yourself. You're never going to have a hard conversation with her without running away like a little [ __ ] You're never going to stop cheating. You're never going to do anything unless you man the up and care about the consequences to the actions that you are doing. You're never going to do anything. Maybe you shouldn't say. I'm staying regardless. What? Even if she wants to leave? She wants to leave. That's on her. She can find a copy and paste you in Houston like this. It's Houston, so I mean Exactly. That's what I'm saying. But you a a small skinny black guy. Yeah, I think she can find him. Find them and m Find finding versus maintaining is two different things. Well, she can't maintain you. You don't give a [ __ ] The only reason you're not gone is because of child support. You said it yourself, right? Disgusting. Man up. I would call that survival. Survival. What about survival of your kids? I'm sorry. I I've had fun goofing and gooning and whatnot to the, you know, like he he he jokes and stuff like that. But I have to ask now just like this is a manto man, you know, not not a racial thing. Manto man though, why don't you want to beat a stereotype that is bad and and disgusting? I mean, it's a shitty stereotype. It is. It sucks that it exists. It does. We can joke about it. We can have fun, right? Cuz we talk about all stereotypes here. It's it's it's the fun of the show. But why why would you not want to crush that stereotype in like a reality with everything you just said? You not caring and you not leaving just out of fear for having to give a little bit of money. Why not crush that? Why not try to be a pillar of your community and try to make life better and look better and be better? Ain't that what time was for? for to build that experience to make sure that get get to a point like that, right? Huh? You you had to build that experience over time to

Get to a point like that, right?

But you said you don't care. You told me you don't care. Now, the wakeup call hasn't hit me yet. I said, "Did what? What can she do then? If she hears that, what the hell do you expect from her?"

"I don't know."

At that point, she should leave. I don't know. I don't I don't want love to break up or a kid to not have a father. But at that point, she should leave. If the guy next to her says he doesn't care, that's it. That's being a pathetic excuse for a man. If you don't care, if you don't have a wakeup call, you still got to put in the effort regardless to step up for the household, for your community.

"I still go to work."

"Yeah, you go to work. But you just told me you don't care."

"If I didn't care, I wouldn't be working at all. But I care to. I I I care about..."

"...to 40 hours. I mean, you're doing kind of the basic minimum requirement. Like, you'd be doing the same even if you're on your own so you can pay for your own bills."

"But I wouldn't be. It wouldn't be as much of debt involved."

"Yeah. It wouldn't be as annoying at home."

"Yes. I don't know. That's really disappointing, man. That's really disappointing. It's so disappointing that you even owe to your dad's friend. $7,000 to your dad's friend. If that isn't a wakeup call for how pathetic this household is, I don't know what else could be."

"Well, we needed a car."

"We needed a car. So, because we were down to one car and it was a beat-up car and it gave up, uh, it gave up on us. It gave up on us. Um, we had zero cars."

"The cars that I will receive, the cars I was be given, it will always be broke down or be wrecked. And I think right now we're on our, I'm on my third car."

"Yeah. So, what happens when we're getting cheap cars? Is this going to be even worse over time? So, I want to get a $10,000 car at a minimum that is approved by multiple mechanics before we leave. So, how are you paying on this to the dad's friend?"

"Of course not. Why would we? What a joke. So, what is... So, does this car still exist today? This one?"

"What is it?"

"It's a 2017 Buick Encore."

"Buick. And it's broken down."

"It just asked if it's being driven to..."

"It broke down literally."

"So, right now..."

"Did you guys drive to get over here?"

"My car."

"Okay. So, how are you getting places?"

"I take my, I had my dad since my dad work, my dad. I have my, and I work with my homeboy. I have them taking me from from work and taking me home."

"Why didn't we do that instead, just and just save up?"

"He don't want to be, cuz he said that his dad, it's he feels like he's a bother. He don't want to..."

"But you're a bother to your household now. You're a bother to her dad's friend. You're a bother to your dad."

"It's okay."

"I told him this. I was like, I was like, 'I'm willing. Look, I'm willing to take you to work at 5 at 4 in the morning.'"

"Yeah, there you go. She's even willing. What the hell is wrong with you?"

"He said no. That's too much. And..."

"I'm f***ing it. What's your address?"

"Oh my goodness. You guys don't even barely live that far out of the city. I guarantee you could, you can find a bus nearby. Okay. What's the address for your work? YOU CAN BIKE THERE."

"YEAH. 18, 20 minutes, right?"

"Yeah."

"Oh, you little [ __ ] It's going to be a little bit more of a bike, but like a motorized bike or a moped, man. Moped. You know what? It's two turns. Two turns. Oop. Oh, sorry. Okay. One turn, two turn, and you're there. THAT'S ALL IT IS. IT'S A STRAIGHT SHOT. IT'S A STRAIGHT SHOT. AIRPORT TO SCOTT TO THE street you work on. What is wrong with you borrowing money for this car? I mean, it's it would be a brutal walk. I'm not suggesting doing the walk, especially in Houston. Good luck. Uh, the bike ride. I mean, yeah, it's going to take you like 30 minutes. But I, I Let me see. Okay. Public transportation. No, it actually, you can't find a way there cuz it's Houston. It's pathetic. But you can moped. You could get a moped that's not going to break down. And I know it rains a lot in Houston. Get a little raincoat. I know it's not perfect, but look at what you're having to do. Look at what you're having to do if you're not willing to sacrifice any."

"Okay. So, what are we going to do with the car that's broken down?"

"In the Buick..."

"...between trying to wake, make a way to try to fix it or give it up. Just give..."

"Well, how much is it going to cost..."

"...to fix it?"

"To fix it. Uh..."

"You got a quote?"

"Yes. So, parts is like 3.93. Uh, labor is 6.96."

"900 and something."

"9.84 total."

"Guys, you spent that going out to eat."

"Okay. Your mom's friend, you borrowed $3,000. You guys are pathetic. This is the most pathetic borrowing I've ever witnessed. What do you owe to your mom's friend? What?"

"That was a down payment for the car."

"Oh, good death. So, down payment from mom's friend was given to dad's friend for the car that you borrowed $7,000 from dad's..."

"...and still."

"What a joke. Are you paying her?"

"I really on it."

"We're working on it. Either you're doing it or you're not. So, shut the hell up. I really hope I pray that your kids watch this at 15 or 16 or 17 and they see that their parents improved and this is where they came from cuz it'll give them a good kick in the ass for their life. See how their parents were and that they made it work because they sacrificed a little."

"Yeah. But if they watch this..."

"...and they're 16 and 17 and it's just as bad, if not worse..."

"...they should be ashamed."

"Mhm."

"I was looking as more or less a lesson, stepping stone from emotional. Sorry."

"Yeah. You should cry about that."

"I feel like you're being a shitty parent. Yes, you are. Financially, every..."

"You are financially. Yes."

"Not necessarily."

"I hate borrowing. I hate, I hate owing people."

"Do you? Cuz you do it every 5 seconds of your life. Like I would cry with you if it wasn't proven against. Like I don't think you guys are necessarily morally bad people. Well, the cheating..."

"...but that's crazy."

"Um, like I YOU DON'T BEAT EACH OTHER, RIGHT?"

"NO, NO, NO, NO."

"OKAY. LISTEN, you I can't define you as an overall bad people, but as far as on the show, yes, you are. You are, but you don't have to be forever. Right now doesn't define your entire future, and the past doesn't define right now. What happens in the future is up to you. But you DON'T GIVE A [ __ ] YOU DON'T HAVE A WAKEUP CALL AND YOU just keep borrowing and sacrifice nothing. You just want to eat to the landlord to your current landlord that you don't even have a contract for. You owe $1,500 for what?"

"For rent, but we already paid half of it."

"Okay. So it's $750."

"Mhm."

"But you still owe monthly on top of that, right?"

"Just this month. It's just this month that we owe."

"Okay."

"Mhm."

"And then next month, what? You don't owe rent next month?"

"Yeah. So we're late again. And so we're always late on rent."

"Oh, good death. Good death. Yet, okay, how can you be late on rent and still go out to eat? That makes no sense to me. You owe a parent. Okay, you're just being a selfish dick. But what the hell, you you're late on rent and you're going out to eat. That's insane. Yeah, why not? Student loans passed due. Sure. Are these federal?"

"I believe so."

"Oh, you're going to get garnished. If they're passed due, they're going to get defaulted on and they're going to get garnished and you're going to lose like 30% of your paycheck, which you can't afford."

"So, get on a repayment assistance program. That's what was passed through the BBB last year. Okay? That's the new payment system. You can get on it. You're lower income. You can get on as low as 1, 2, 3% of your income. So, call them immediately and figure this out. Okay? Good death. I'm going to bet it's like a $25 payment after that. Bro, come on. Did you even Did you get a degree?"

"No, I dropped out too."

"It's okay. It just depends what you do with your life after that, right? But..."

"...so obviously not good."

"S Yeah, I mean, I think student loan borrowers, like 40% of them don't have a degree, if I'm not mistaken. So, I mean, it's it's not over surprising. But what were you studying?"

"I was a marine biologist major."

"Okay. Sure. $6,500. You need to call them now. Get on like a $25 payment or else it's going to get garnished and they're going to steal like $200 a month from your paycheck cuz it's the government. They can do that. 227 in our Chime account. We do love Chime. Chime's great. Sign up chime.com/caleb. Get your $200 for free. You'll have just as much as they do and their Chime literally in free money just by signing up. That's bad."

"Mhm."

"Oh, you started with 98. That's even worse. Oh, we're Door Dashing Hawaiian Bros. Okay, this is pathetic. What a joke. Behind on rent. [ __ ] off."

"Amazon. Amazon. Teeu church. You're donating $250 to the church. Yeah."

"When you can't afford your own rent. The church gives people money to help pay their rent. You're not giving the church money right now. You're the people the church helps. Do you understand that? You can give more to the church when you have more money. When you get rid of debt. I'm not saying don't do your religious obligations."

"It's a must."

"Huh?"

"It's a must."

"No, it's not. The church gives you money when you're in your position. It's not."

"We don't tell the church. We don't tell. We don't tell it."

"You should. That's what the community of the church is for. Typically, talk to the pastor about your financial situation. Say what the pastor says. Okay? You can give more money to the charities or whatever of your choice when you sacrifice. Get out of debt, have an emergency fund, and have money invested. You can give more over the course of your lifetime than continuing to give a little bit of money now while you're poor. Also, $250 is insane for your financial position. Let's just be honest. Yeah, that's still a must though."

"No, she's the one who got me into tithing for the church, so I was with it as far as donating for the church."

"I'm down for it. But you guys are poor. They would give you money. Typically, churches give money to the poor."

"I mean, it's a must. I I maybe..."

"What? No. Talk to the pastor. See what he says."

"Talk to the pastor. I bet if you say, 'I can't afford to keep the lights on,' minus the, the pastor would be like, 'Girl, you're...' "

"No, I I still have to do my thoughts. Sorry."

"You're not willing to see what the pastor says? Wouldn't he be a better authority than you?"

"I I mean, I have to swallow my pride and..."

"You're broken."

"So, all your pride. Swallow your McDonald's. McDonald's. Chipotle. McDonald's. Amazon. Amazon. Torches. Tacos. Little Caesars. Foodama. [ __ ] it. Why not? [ __ ] McDonald's. McDonald's. McDonald's. [ __ ] But your door. Aldi. Chuck E. Cheese. Sure makes sense for the kids, but you don't have to get food there and [ __ ] [ __ ] Apple cash balance added $250 bucks. What is wrong with you? $520. Even worse. SP Everyday Dose. That's mushroom coffee. What is wrong with you? You're a joke. SUBWAY. MCDONALD'S. MCDONALD'S. AMAZON. AMAZON. MCDONALD'S. WALMART. WALMART. But it's [ __ ] It's $3.15. You're not getting anything necessary from there. [ __ ] Apple cash. What a joke. Chime yours negative $40. Yeah. Oh, good. [ __ ] Kirby. [ __ ] You're getting energy drinks, aren't you?"

"Yes."

"Gamer subs. You're making your energy drinks at home just like your coffee at home. There's a Steve Harvey one if you'd prefer that on their website. All right. Get that. Get your free samples. Figure out what flavor you like, then use the 10% discount code Caleb. Link in the description below as well. Just use that link. Make your energy drinks at home. Just 40 cents a serving. No more of this $4.72 like he did at Kirby Express. Then your Door Dashing Papa Papa's Barbecue. Your ATM withdraw going to the strip club. $63 bucks."

"Or probably C, uh, weed. More withdraw. Apple bill. Chipotle. I for doubt it. No, cuz I may maybe, uh, Chipotle. McDonald's. Cash app. [ __ ] [ __ ] Cash app. [ __ ] McDonald's. Jack in the Box. You guys don't give a [ __ ] You just want to eat every second of your life out to eat. This is disgusting [ __ ] Energy drink. China cafe. Xbox. Jack in the box. Apple cash out. Popeyes. Apple cash."

"You got a little Popeyes."

"Golden chick. Fresh donuts. Huh?"

"Got a little Popeyes, huh?"

"I do love Popeyes. Hey, I mean, it makes me [ __ ] liquid, which is absolute dookie, but so I don't unfortunately, but it's good. Yeah. Yeah. Good times. Good times. Spotless. Oh, car wash in Houston. You don't need that. McDonald's. McDonald's."

"Especially your car's like broken. Energy drink. McDonald's. Well, while your dad drives you. This is disgusting. Door Dash again. ATM again. ATM again. Energy drink. Domino's. Burger King. Energy drink. McDonald's. Amazon. This is pathetic. This is disgusting. You guys are just You don't care. You spend all your money and you make no money and you want to quit your job. And this is You guys have just given up on life and you're just trying to get all the food down y'all's throats. Let me figure out your budget. What the hell? She did something as a revenge. Okay, we're going to get into it. This is crazy, but we're going to get into that in the post show. Oh my. When you cheated, she did something that you don't know about. She's using this as a platform to talk about it. Your anxiety should be spiking. This is not This is crazy. Okay. You're disgusting. What is wrong with you? You're a bad person. Okay. [ __ ] Okay. I'm jumping ahead. Okay. $5,500 your income, just about. Debt payments. Dude, you're going to be pissed. We checked him. We checked his weapons, right? Okay. $80 minimum to payment. I don't know how the hell you guys can't even do that [ __ ] What's your rent?"

"$1,550."

"What's your utilities? Internet, gas, electric, all that combined."

"Electric is probably like 250."

"You said gas for me is..."

"Gas, house, gas. Is that not? No, we have electric."

"Okay. Is there internet? How much?"

"Uh, 40 bucks."

"Okay. 310. Okay. Gas. Vroom. Vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom. Drive. How much?"

"I do..."

"Between both vehicles or just one?"

"Yeah, both."

"Me, it's just $53 per week."

"And you?"

"Same. About 50 a week."

"Okay, we'll call it uh 420. Very good. Car insurance, how much?"

"Uh, like 300."

"For both?"

"Yeah."

"Okay. Phone bill."

"Uh, 180 for both."

"Okay. Do Helium once your phones are paid off. I'm assuming they're not with that bill."

"Okay. Groceries. Uh, what's the 2-year-old eating?"

"Chicken. Same."

"Okay."

"Almost every. Almost. Yeah."

"They eat almost plan."

"800. Very good. TP fun. Anything else you and the family need to survive? 300 bucks. Health care. Okay. Any minimum co-pays and whatnot monthly basis?"

"We don't. I don't have health insurance."

"Why?"

"Because I missed my deadline."

"$200 you're getting on at least a minimum. Okay. Uh, subscriptions, we'll try like 70 bucks between you both. You have any pets? Yeah, you got the dog. $50 pet insurance cuz you can't afford an emergency. How much for pet food?"

"Uh, maybe like 60 a month."

"Okay. Is there a gym?"

"Not anymore."

"Okay. Anything else that needs to be in this budget that I have not taken into account yet?"

"Mhm."

"Okay. You guys have wiggle room. I'll give you about $1,000 of wiggle room."

"In that first debt, correct? Like to pay it off cuz we want..."

"Well, you have $1,000 left on a monthly basis. About $1,100, but I'm just going to round it to a thousand to be safe."

"Listen, with that. Yeah. I mean, your minimum payments that you have, the Credit One, we need to pay that off. I mean, you pay that off in the first month. And the student loans, you get on the minimum. You don't touch it other than the minimum on the WAP plan. And the Bed, you pay off the Bed in 2 months. So in 3 months, we have all debt paid off besides collections and family. After that, you just start negotiating it down. We deal with the collections and then the family. We get on a minimum family plan. Uh, I mean, even just a small amount so they can see it coming in and it's the same amount that went to your Bed and Credit One. That way they can at least feel the difference and your budget doesn't change. And at that point, you're just saving up $2,000 for 2 months. You pay off the apartment. You you pay off the [ __ ] collections that you had a $700 like that and then you start grinding away the family. This [ __ ] isn't hard. This is done in like a [ __ ] year, year and a half and then you get a fully funded emergency fund and yeah, you keep working. I don't give a [ __ ] and you should pick up extra shifts so you can pay off that quicker. Then we get a fully funded emergency fund. Then you guys live 50/30 turning, which you totally can with your income. 50% on needs, 30% on wants, which is a good amount of money on wants, which you finally get to have again. But you have to cut your budget down to zero, which I don't believe you guys can because your spending is insane. And then 20% going to savings so you have a chance of retirement. Okay, that's what you guys are doing. Okay, I got to get in this post show because this is about to be insane the [ __ ] that she did behind your back when you cheated. I'm glad you're using this platform to finally come clean. Let's get the Hammer financial score first. Spending in a budget, 0 out of 10. Debt, there's collection, 0 out of 10. Emergency fund, there's nothing, 0 out of 10. Retirement, there's nothing, 0 out of 10. Real estate, there's nothing, 0 out of 10. Hammer financial score, 0 out of 10. Get yours at kaleammer.com. Now click that join button. Enjoying Hammer Lee's best membership on YouTube with three shows, three premium incredible shows every single day, 6 days a week, including the extra 20 minutes of this episode, the Financial Auto Post Show. It's It's going to be wild. I'll see you there."

"Because you decided to cheat, I decided to step out and cheat more than you did."

"So, what, what do you mean?"

"So, I decided to cheat back and actually text my ex."

"The same ex who beat you up and stuff like that. The same ex you talk that much crap about. The same ex who I tried to save you from is the same ex you..."

"Wait, what did you do though? What did you do though?"

"I went to his house, meet up and couple of drinks and it was good."

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