$300,000 Of Debt To "Flee Trump’s America" | Financial Audit

We really want to get the [ __ ] out of this country. Is there an actual plan here or is it a wham w I hate the the America? I wouldn't say that. I mean, we can disagree with every elected official. They were elected. I don't know about democratic.

Is there anything in your life that is just like not trauma Olympics? You don't put in enough effort. You could do more. You're doing nothing that would be considered trying. I'm trying to. No, you're not. Cuz you're doing you. You are not trying. I don't want to hear it. This is some bull.

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Hi, I'm Savannah Grace and I'm 27 years old. Hey, I'm Steve. I'm 28. We live in Arlington, Texas. And this is Financial Audit. Thanks for coming down to Austin, guys. I appreciate it. Savannah, you're the one in front of me. Oh, you're welcome. What do you do for a living? Um, I'm currently unemployed. Great job. And what do you do? Uh, I'm a senior systems administrator. Okay. I really thought it was going to be starting your own brewery. I I want to open a game store with a cafe. Hey, I think he's talking about your hipster mustache. Yeah, I can see. I get it. I get it. But you're not off the mark entirely. Hipster mustache stuck in 2010 and septum piercing. So, I got the full combination right now. You got the classic um like bisexual with the with the nerdy boyfriend combo. I thought you were calling yourself bisexual. What are you homophobic? No. No. What do you What do you make? I make uh 90,000 a year. Okay. So, this is why you're unemployed. Why are you unemployed in your own mind? Cuz 90,000, yes, obviously we can survive the off the household that while above the median household in the state of Texas, in the city of Arlington, I'd bet certainly in the city of Austin and certainly in the United States. So, why are you unemployed? Um, right now it's just been really hard for me to find a job. I've been applying for jobs. Uh, just like an office job, honestly. I've the last 3 years of my work history, I've been in and out of offices. Um Well, in and out of offices probably doesn't look good on a resume. Who wants you to come in if you're going to be out? Yeah, I've just had like a lot of struggle with stability and I've never really been able to hold down a job. So, no one's going to hire you then if that's being shown on your resume. I certainly wouldn't.

Well, just going to say, okay, uh what hits our account on a monthly basis? Uh 5,000 total. Okay, cool. A month. How are we doing on this 5K? Um we are surviving but not thriving. Um why? Uh and by the way, usually people are not really surviving when they're on this show. I'm just going to let you know. So I'm probably going to call [ __ ] But yeah, why? What's going on? Um well, we have like all the bills covered. Um but uh a big a big thing is a big You're never late. No, I I wouldn't say never. Oh, he says I wouldn't say never. I' I've not missed any of my bills uh in the last paying them for Wait, what is it? Wait, are you guys married? No. No. Oh, you're not Oh, this gets real sugar daddy real quick. How long have you guys been dating? Uh, it's been about uh 8 months, almost nine. Yeah. Oh, very young relationship here. Okay. Um, we actually met in high school. Yeah, we've known each other since high school. Yeah. Oh, but we just kind of went separate ways and recently reconnected. Sure. Is marriage on the horizon? I don't even know. This early into a relationship. Are you guys living together? Yeah. How long have you guys lived together? Since April. May. Since you guys moved in immediately. Yeah. Yeah. Tell me about that pretty fast. Yeah, cuz that's very interesting. I mean, I did too for what it's worth. But, you know, interesting circumstances. I'd love to hear yours. Uh, main main thing is she had a situation with her younger sisters. Um, she had custody of them for like 6 months. Yeah. Um, for 6 months. Yeah. Yeah. And how old are they? Um, they were 17 and 10 at the time. Sure. So, um, she had custody of them. that fell through and then she was left kind of with nothing and so I was like, "Well, I would prefer you not be on the street, so come live with me." It's a weird dynamic. Is it a weird dynamic? Uh, no. I feel like it's pretty balanced. Well balanced. What's the But he's taking care of your bills. He got you off the streets. He's taking care of all your bills. You can't hold down a job to save your life. Feels like a weird dynamic to me. Well, um, so actually I received a grant shortly after I moved in with him. For what? Um, it was like a reimbursement for taking care of my sisters. Okay. Well, okay. That's not a job. I'm sorry. I mean, the grant the grant isn't. You got the you got the onetime grant. It's out of the way. It's done cuz you don't have the custody anymore. You're not doing it anymore, right? Yeah. Where are they? Um, uh, the my 17-year-old sister, she turned 18. She decided to live with some other family members. U my 10-year-old sister is uh currently about to be placed with her mom. Oh, okay. Interesting that she wasn't already, but I I get it. Life's complicated. I get it.

So, what are we talking about today, guys? What are we talking about? What's going on? We're We really want to get the out of this country. Yeah. In the next We'd really like to move out of the United States. That was a big thing that we were in alignment on where like we have a few options that we talked about like New Zealand or that's not a cheap one. That will be a failed one. That will be an extra failed one. Germany, Northern European countries like Denmark, Switzerland, Netherlands. Okay. She's also we've also Why? Just because of the political climate, you know, we don't think things are going great. Europe's going to the right as well. Yeah. I mean, the whole world is worldwide. Reform's about to just smash and win the next UK election. I don't Yeah. Italy. You say Italy. Everyone. Everyone. I don't want I didn't say who says Italy. You're saying Italy. You know they're You know, everyone everyone on like in the United States and whatnot calls her a fascist, right? Really? You know, I know. I didn't know that. You know what? You know, you know, the right's going to likely win in France as well. You know, you know what Italy did in World War II, right? Well, yeah. Okay. Yeah, I know that. I don't know why we're talking about 100 years ago, but Okay. Yeah. 80. But Oh, Lord. Uh, okay. And how's this productive to you guys? Cuz you're making a United States income right now. Mhm. Um, substantially higher. Well, I know that with um him being in it that he could get a job literally kind of there's tech sector is not even close to what the United States is by far. Yeah, just based on like research I've done even close. I know my I know my career field is in high demand in a lot of different places certainly but even in the United States it of where we have a booming tech sector. Tech is rough right now. It's not easy to get hired in at this exact moment. So that seems like a bit of overconfidence. Sure. Um I mean I have like I mean I worked at Amazon before. I have a really great resume. That's great. A lot of people have really great resumes right now and they're not getting jobs. you you're willing to give up a $90,000 a year job when literally everyone is begging in the tech world for a job and Europe has a tech sector that's not even close to competing with China and United States. I don't know what we're talking about here. Well, I mean we're just I I guess it's like the trade-off is is I I make less money, but the idea is that you know our quality of life would be better in a different country. Yeah. Uh to a certain extent. I don't know. What kind of life are you trying to live? I mean, I want to live She doesn't have a job. So, yeah. Well, I'm currently trying to go back to school. Um, I want to be an English teacher of English as a foreign language in another country. And that could work. What's the quality of life? Cuz if we're talking quiet, walkable community, sure, you can get that, but yeah, I mean, that's kind of what we're going for. And you can find that in pockets in the United States as well. It's less common. But, I don't know. Even still, when it comes to dollars left over, I mean, the math has been done. You take every subsidy, you get everything from the um government funded healthcare, what on this is in Germany alone. You take that, you compare it to the United States um after everything that's free over there that we have to pay in the private sector because our incomes are so substantially higher, we still at the end of the day have more leftover money. Mhm. It's not substantially more, but even after everything with all taxes, all social programs combined, we technically have leftover money more. So that quality of life, where is it? Is it in the community specifically? A lot of people are complaining about the communities over there right now. Like I I don't know. Um well, the idea is that it's in uh

Is there an actual plan here or is it a wham w I hate the the America? I mean, I wouldn't say that. I mean, I would I mean, what do you hate? Well, like literally everything about America. Let's get the couple specifics. All right. Um, cuz everything's a lot. The healthcare industry. Okay. Yeah. What about I know that I have like so many undiagnosed conditions. Yeah. You guys make Well, okay. You're not married, but at $90,000 a year, I mean, you guys get pretty top end healthcare. I I have been able to take advantage of that. You guys aren't married. You're not on his health. But even still, you making zero dollars, the welfare state that we have, you get a pretty robust coverage still. I mean, they're kind of Have you applied? What have you applied to? What health insurance do you have right now? None. That's your fault. The Affordable Care Act is there for you at the healthcare.gov of for you to enroll in things that are completely subsidized. I mean, I've been trying to get you to apply to stuff. This sounds like a you problem. You're complaining about something that you haven't done. Don't get me wrong, health insurance in this country is ridiculously expensive. You're not going to get me defending it by any means. But when you take an idiotic stance of it's bad, but I've done nothing. It's like, what the am I going to say? You're going to make me sound like I'm the most rur constantly. But for what it's worth, remember if you can afford it, we do have the best health care in the world. And you guys as a combined household income of 90,000 when you're married, you would have access to that. I just can't believe that because especially being believe that because of a woman in the United States where you're talking present with I've actually had two abortions. Okay. Um, but when you're a woman in the United States and you have like a chronic health condition, you're more likely to go undiagnosed for 10 plus years. Girl, you haven't signed up for health insurance to go to the doctor when you get it for free. I mean, even when I've had health insurance, I'm being a person that's not signing up. Girl, you have nothing but time. And then sometimes, this is the crazy thing. I hate that you are getting me to defend our system, which is a certainly broken system. Everyone agrees on that across all political ideologies. And you're getting me to defend it because of the simple fact that you just literally haven't taken 5 minutes to go online and sign up for something that I pay taxes for and happily. And it's cuz you're a woman. All right. I think it's because you haven't gone. Go on. Let's hear something else. cuz that one was lost. That one up. What else do we hate other than everything? Because this is listen, we're not doing, you know, big United States debate. The thing is we are making a massive financial change where you are going to go to a place where you are objectively going to get paid less. Okay, you get social benefits. You know, it almost offsets it in certain places. France, no. Italy, definitely not. Germany potentially. Northern European countries certainly more like Norway with the so wealth fund very they invested it very capitalistically and very well wish we could do that with social security we did it now we're but either way good so we're making a big financial decision here Mhm. But you can't bring up an actual point as to why when you just say you hate everything. Can you give me one thing? No. It's a little more valid. just feel like with the feel like here we go regime that's in place that we're democratically elected you can disagree with them towards we can disagree with every elected official they were elected I now know about democratic okay federalism yes okay so you just disagree with the president and that's fine you know you would not agree with the prime minister of Italy at They call her a fascist. Everyone like you, Septum Piercing, calls her a legitimate fascist. To be fair, I hadn't done much research. I was going to say, that's as clear as day. She got the uh she got the the the Facebook real treatment, you know, and hey, how do you deal with that? Because that would drive me crazy if we can't have any realistic conversations about our future life. I mean, I definitely feel like I I'm more of the realistic side of the the the couple. Um, you know, I'm I'm the one always saying, "Hey, we need to spend less money. We we overspent in this area." Um, you know, I was like, "Hey, we need to start a plan." Like, she didn't have a plan to go back to school really until I kind of like helped her with it. Um, Chad GPC helped me with that. I mean, are you able to do anything yourself? Yes. You can't feed yourself. Oh, that's true. Getting her to eat. We're laughing about it, but are I Have you been an adult once in your nine years of adulthood? Yes. How you abandon every job, you can't feed yourself, you're trying to run to a country that you don't even understand? That, by the way, is a completely failed economy. Italy, good the luck. People don't even leave their homes, their parents' homes anymore. People don't move out because there's no job opportunities. It's really bad. Northern Italy is okay. Southern Italy completely gone. You probably don't know anything about that. Okay, that's fine. Great. I just I see an extreme lack of knowledge on literally anything and extreme lack of ever doing anything with effort or maturity on your end, which is deeply concerning to me that everything I've struggled with up until now has prevented me from being able to get to a point of stability in my life. And um I don't know part of wanting to you won't even apply for literal subsidized free health insurance. This is the best in the world. Absolutely not. But you will get preventative care with it and emergency care 100%. I'm confused. You won't do that. You say you have no stability. You will not take 5 to 10 minutes. I just honestly hadn't thought about that. Okay. I I I will be I will be candid. I I um went through the process. Listen, uh it wasn't fully justified, I'll be honest. And I ended up paying it all back in the end for what it's worth. But I went through the process cuz I was laid off from a company. I was working double. Uh-oh. Got laid off from the one I wasn't working. Who would have thought? Okay, fair enough. And I'm not criticizing them for that at all. Totally justified. This was years ago now. But I freaked out. I was a little nervous. I lost my health insurance. So, I went on to the healthcare.gov and I applied. And you know, I kind of set it up where it's like, okay, it could be free and stuff like that. Literally, it took me 10 minutes and I had great great health insurance. It pretty much cost me nothing. Okay, I had to pay it all back in the end of the year cuz clearly it showed that year I made a lot of money cuz I had another job. I was just freaking out, very nervous. This is so easy. You could do this in no time. No time. This sounds like a sponsorship for it. It's not. I was going to say, are you plugging them right now? No, I'm plugging you not being an immature Guess I got to work on it then. Yeah, I' I've been saying that. I mean, getting hurt. You don't know me. We I get I've been broken up with apparently. Right. By the way, for what it's worth, people like you again, the Septum Piercing Army right now, even in Germany is a center right party. The chancellor is the center right party which of course anything centrist or center right is immediately a fascist right now. So you sure we want to move there? No. That was just on like the short list of places it might be fun to go. No, we're going to need to get you on the short bus when you leave the studio. I hear the sound of it. I'm not even advocating cuz like I I know how this conversation is going right now because I'm talking to someone like you who is like been pushed to the far left very clearly. I sound like I'm on the right where I go very nuance position to position. I just go where the facts are. But because any whenever you talk to any extremist, you sound like you're on the other side. And it's killing me cuz people are immediately going to see this be like Caleb's the Republican. Caleb's a fascist blah blah blah blah blah. It's just like you guys areing morons. If you guys were on the far right, I would sound like I would sound like like oh Caleb's aing liberal. It's like, but what the you're clearly so far gone that you can't even have like a nuanced take on the society you live in and you you won't even look into the resources we literally have. What is our our government's what 60 to 70% federal spending goes to social services and you're not even taking advantage of anything? I just feel like I won't qualify for them. I feel like except you would. You make no money. Are you ridiculous? Would you get on unemployment? No, not right now. Nor should you. You're not entitled to that. You paid it in the system a little bit and that's well gone. Yeah, but of course you would be covered with health insurance. This is ridiculous. This is ridiculous. And the kids. And the kids. Did you I I'm Did you give them back? Did you leave them? I'm confused cuz it seems so sudden that you had them and then all of a sudden they're not. Uh yeah, there was um I honestly bit off more than I could chew and I wasn't capable of taking care of them. We all just had a lot of conflicting issues and putting all that together was like trying to toss a salad without a bowl. It's just a mess. Chaos. Big guy. you seem a bit more reasonable. Okay? And I don't care if you're politically left or right. Doesn't matter. I'm assuming you're left, but you're reasonable and that's all that matters cuz everyone can be on all political sides. Okay? You're not to the far extremist. Like extremism is scary and ridiculous. What the is your take on all this? This is crazy. And you're going to again pack up, lose all this money, and just go for something you don't have even a job lined up for? Sure. Um, this is very concerning. It's more of a long-term plan. Like five years. Longterm without a shortterm plan usually doesn't end up being long term. I'm not very good at making plans or You don't seem to be very good at literally anything. I don't mean that as an insult, but have we talked about one thing that you're able to do and not complain about and be victimy? No. You you've pointed out a lot of my weaknesses and I just It's been like what 10 minutes and I haven't you don't know what to take maybe reflection. Okay. What's your take? Anti-depressants. Huh? Anti-depressants. What? What about anti-depressants? Well, she's taking anti-depressants. I don't know. I'm on selex for my Okay. If they didn't turn me into a [ __ ] that freaks out and cries about everything and gets all my information from Tik Tok and Reddit. Sure. Um well uh the the sister situation uh buddy more that you are abandoning everything you've built because your girlfriend's terrified of everything and gets all her information from Tik Tok and thinks that is reliable news. I actually don't use Tik Tok. Could have fooled me. I mean reals is the same thing. Fair. More or less. A little more fun racism on reals. I'll be honest. But continue. Um yeah. I mean, we I know it's it's not, you know, the smartest thing financially to like leave my job and go to a different country. I'm talking about even that alone. It's latching yourself to her, someone that can't hold on her job, that is a victim and everything and abandoning what you have here for that. I mean, she's not a victim in everything. She haven't heard one yet. I mean, yeah, she needs a lot of help, but like she she's been through a lot and she just needed a lot of help. Everyone's been through a lot. Everyone's life is complicated. I mean, yeah, but we're we're dealing with that stuff. We're working through it. And, you know, I So, I will be hearing that when you guys are 60. I I think so. I have I have faith that like she has uh that she'll be able to, you know, grow in the areas that she is struggling with. This is concerning. So honestly, when I was a kid, my biggest dream in life was to go back to school. And when I graduated, my When I was a you So you woke up at 7 years old and had a dream that you wanted to go back to school. This is Thanks. I wanted to go back to Reals and Reddit. This is 2025's version of I had a dream. Look, private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. Way messy, grandma. Why? 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During the two-day live training, you'll learn 10 plus powerful AI tools, prompt engineering, automating your workflows, and building AI products without code. Limited seats available and they're filling fast. Grab yours now via the link in the description. Pay us. Join the WhatsApp community to stay updated before the big blast. It's like this is, oh, we're done as a society. Actually, yes, please go to Europe. We need to do better here. I wanted to go to college my whole life. Okay. Um, when I graduated high school, my parents refused to fill out my FASA for me and I actually went and applied for scholarships on my own. Filling it out. Like you had to have their tax information in order to fill out the They wouldn't provide the tax information. Yeah, they refused. I mean, there has to be a workaround. There's people that don't have kids. Listen, I'm not uberly informed on the FASA application as a whole, but to say that only like there's so many childless or uh parentless kids or deadbeat parents that get advantage things or PEL grant situations even. So, I actually went and applied for my own scholarships. Okay, good start. That's great. Then at 19, my parents didn't like the guy I was dating, which is fair in retrospect cuz he was black. No. Um, his parents would feel that way probably that he was black or her parents would probably also feel that way. Well, I was joking, but I see. Okay. Um, you unwittingly hit the nail on the head on that one. But so they kicked me out and they kept my scholarship money until 2 weeks before it expired. Can I do a little tangent real quick? Just because you had racist piece of parents doesn't mean you have to go to the extreme other side as well. I I feel like it's my responsibility to make up for their lack in life. No, no, no, no. Extremism matched with extremism does not work. We are so done. Okay, continue. Okay, great. So, did you go to college? I don't know. No. Fly fire with fire. No, I wasn't able to go uh after I turned 18. And when I was 23, I applied on my own and uh I didn't have any financial aid come through again. Okay. And why did you go to community college, dude? I I didn't even have anybody to co-sign my student loans. No, community college. You could have cash flowed community college. No, I could have. Yes, you could have. Community college is as cash flowable as anything. So, I'm I'm still confused how I feel like the more I push back, the more you talk about something that is sad in the past that has nothing to do with actually what's going on, though. Well, right now, I've just been, you know, trying to take care of things. I've been applying to jobs. Uh, I put in over 300 applications in less than three months and I've just not heard anything back from any of them except for a couple of U MLMs. Surprised you haven't fallen into that by the way. That's what I said. By the way, that's what I said. By the way, FASA, here we go. Cuz this took me about 3 seconds while I was also listening to you. You can just reapplied for FASA on my own this year again. Quiet lady, I was talking. You're doing a meme where I interrupt you, and that's very rude of me to do that. All right, as you were saying. Well, this took me about 5 seconds. Back then, you could have claimed independent status and filed without your parents' info. Uh, they were still claiming me as a dependent on their taxes. Uh, how old were you? 17. You could have skipped a year and still done it, though. Um, I was homeless at that time, a year later. And you were not emancipated? Is there anything in your life that is just like not trauma Olympics? No. Okay, great. Yeah. So, how do we do anything ever? Do we just give up and say, "Oh, no. 18 to 20 sucked and we will never do anything in our life like I said when I was 23, I tried again to reapply to college." Well, 23 you would have been totally fine for FASA independent status. I actually I did refile my FASA. I didn't get anything. I tried to apply for student aid. I didn't get anything. They told me that two weeks before I was supposed to like sign up for my classes, the like counselor called me and told me that my SAT and my ACT scores were expired and I would have to wait until October and November to retake the equivalency test. Fair enough. and then have to reapply the next spring and at that time I had just found out I was pregnant a second time. Uh but you do not have any kids? No. So I mean you solved that one. Yeah. Uh okay. So that didn't really impact much it sounds like. Well, I just I was working by supporting my ex at the time and when my that I was pregnant, this is impossible. I This is why this is impossible. Listen, you struggled with some things and many things I sympathize with and I would have at that time if it was happening right now hugged you and cried with you. It is not happening. This was a long time ago and you are using it as 2 7 years old. I can't do anything. I mean, that stuff has an impact on you now. Has an impact on you now. But if you give up, you're never going to do anything. But I haven't given up. I've already reapplied for school again. He has to feed you. Yeah, but he when when everything happened back in March, he offered to do that for me. He offered to take care of He says you would not feed yourself and you would be homeless and all this stuff if you if he didn't. So, no, I would offer it, too, because I'm not going to let someone die. I would have figured something out. I am very resilient. I have been through so much in my life. I have started over and redone everything a dozen and a half times. She's lived a lot of life and been through a lot of stuff. So, you know, she that's why I have faith in her that she'll that's why we're moving from the United States. And also, if your parents, if you're dependent, but your parents won't or can't provide info, you can do a a special circumstances appeal. If your parents refuse to provide any tax info, but still support you, you can submit FASA without their data to only be eligible for unsubsidized federal loans. I know, but I'm saying I found this in literally less than 30 seconds. Isn't it FAFSA? FAFSA, not FASA. Right. I know Google existed back then. I I just I didn't I didn't know to look for stuff like that. Can't do anything. Okay. Okay. I from there like what again this is what I struggle with in this conversation. This is a take accountability. This isn't a bad things happen. We've all been bad thing through bad things. I've been bad through bad things. It's not as bad as yours. He's been bad through the things not as bad as yours. We're not doing a jerkoff session comparing which one was worse. And we're also not sitting here and justifying every single failure that you're doing and that you're not willing to make any improvements to your life based on your actions, not your thoughts, because life was hard five to seven and eight and nine years ago. I'm sorry you went through that. That doesn't mean life is done. And that is not this conversation and not this show. But you've you say you're not giving up, but your entire life looks like giving up. You're not willing to apply for health insurance right now in 10 minutes. Like you can't do anything. I'm not giving up. I'm just starting over. I just started over again. But he's upset you haven't found a job. the producer saying he's actually upset you haven't found a job.

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If our significant other is feeling that, clearly there is something more here. And listen, this is is a tale as classic as old as time again right at Tik Tok. Get on it right now. You'll see it. You will absolutely avoid any push back or accountability for what your life looks like today by leaning on oh things were sad in the past of which again at that time I would have supported you I would have hugged you I would have cried with you great that's not happening now and you are using it as a deflection for what you are not doing right now and he's upset you're not getting a job he's upset the guy taking care of you the guy who's willing to lose his good paying job to go work in tech market that doesn't exist in a different continent with languages you can't speak unless you go to UK, but good luck there. Well, him wanting to move was a thing that he wanted before I even came in the picture and that was part of the reason that we So, you're upset about her getting a job. Walk walk me through it. Um, yeah. I mean, we've definitely had um whenever we have arguments about our financial situation, it always, you know, boils down to, well, XYZ would be better if you had a job and an income. Um, and yeah, I mean, I feel like you don't like put in enough effort. I I I feel like I feel like you could you like you could do more like you know you sleep in a lot and you're I mean I'm cooking, cleaning, taking care of the animals, watering the plants and I water my plants. You don't water my plants. I mean I lost my awards. I'd give one but I I can't find them right now. Sorry. Continue. I mean that's I mean the plants is just one thing but like I still like contribute in every area on top of working and then I just you know I I mean I am worried that you're taking advantage of me a little bit you know but like I I I want to I want to trust you implicitly when when we've talked about this at home like you've never you've never said that before. I mean I mean maybe I wasn't direct enough about about it but I've been trying to communicate you know like hey you could put in more effort like I I I just think that you could be doing more and I feel like there's definitely an imbalance like that I'm I'm kind of doing everything and you know you're you're not even working you know remember when you said you're your exes were financially taking advantage of you. Now, here's the thing. You're right. He may not have said that, but this happens in this isn't obviously official couples therapy, but in settings similar to this in couples therapy, that's where the real thing comes out that people hold back from wanting to say in person because they don't want to start a fight. They don't want to start an argument at home. you. This is that and to use language from your world, a safe place. It's fair. I I try to be that for you. You know, I I want you to be able to come to me with stuff and talk to me about things and be open and, you know, I I feel like I don't have the same opportunity. I feel like I if I bring stuff up, like you get upset and you get angry and tell me about that. Tell me about how those conversations go where she gets get she gets upset and angry. Um well, I'll I'll just bring something up and um I end up having to comfort her at the end of it, you know, because it's like she'll start saying I'm such a like worthless partner. I I'm you. No, she says that about herself and then I have to be like, "No, no, no, you're not like I have to like comfort her and reassure her a lot and then um you know then it kind of ends up fizzling out because I don't get to get my point across and then kind of kick the can down the road." That's actually again, let's take more notes from your TikTok community. That's an incredibly manipulative and almost gaslighting thing that you're doing where you have a real conversation and then you go, "Oh, I'm not a good partner. I'm not contributing anything." That is manipulative as to not be able to have that conversation and then go in there with that [ __ ] that self victimizing bull. That's up. I feel like we always like resolve our issues. I I I mean, you feel that because you deflect, self victimize, and he stops the conversation and you feel resolved because he embraces you. I mean, we do we do get to finish the conversation, but you know, I feel like in in that area, especially with looking for another job, like I like every every everything can be like, you know, some people like the tradife thing, some, you know, like different relationships have different like like ratios of stuff. whoever wants to do things specifically told me that if I don't want to work, I don't have to work. That you would get a higher paying job and that I could just stay at home. If you did set it up like that, it would be a little weird to go against it. He has said that to me multiple times. I mean, that's an option, but like that's not and that's not what I want. I want a job. My self-worth is directly tied to how productive I can be. And I have But no offense, you've never been productive. I've I've been What's the longest job you've ever had? A year and 3 months. Yeah. Was um end of life care for an elderly man with dementia. Why do you always have to go see this is what she does. She always has to go into the conversation with bringing up something sad to shut it down. You see how this works? I mean it's not good. It is not a healthy way to live or to have conversations. But I hope you recognize this. But like all this stuff has happened and it does have an effect on her. I'm not saying it doesn't, but it's the way that every conversation is with her. You bring up a valid point, then she has to bring in something where it gets sad. And if you then push on that valid point again, you all of a sudden look bad because, oh no, something sad happened. cuz you can't be a dick and push back against someone where something sad has happened cuz then you look like a piece of a tactic people like her use to get out of any valid criticism. I just don't think she's doing it on purpose to try and No, it's in hering DNA. This is how she lives. This is how she's gotten past any criticism in her life. This is learned and it's instinctual to her and we're working on helping emotional terrorism. We're working on helping her change that, you know. Are we? Cuz I'm the first one to bring it up and you haven't brought it up and you don't even seem seem to agree with me right now. I mean, I feel like I was a process when I was in therapy last year. You should probably do that times three. Well, I just but not an enabling therapist, which again, I don't want to loop you in a in a group, but many people like you, they only wait they they go through therapist until they find the therapist that enables their thoughts and behavior and worldview. And it's very bad cuz you need someone to challenge you. I'm I'm ready for a challenge. A year and 1 month worth of one. What's that in reference to the job? Huh? A year and three. Three. Hey, those two extra months, you know, this is a mess. That being said, though, I for the last nine years of my life, I've bounced around. I've been homeless. I've been with partners that took advantage of me. I was the sole bread winner in all of those relationship. Here's the tactic. We just talked about the tactic and she's doing it. She gets valid criticism and then falls back on the victim so that the valid criticism can no longer be pushed. My point is that I was the sole bread winner for most of those relationships. I was the only person taking care of other people and I'm sure it was off of debt and stuff like I'm come on. I don't know what happened back then. Again, that was 9 years ago. So things went to collections, they would have fallen off by now anyway. So that doesn't matter. But either way, cool. Let's 100% take what you just said as real. You were the bread winner. You were the bread winner 100%. And there was, you know, nothing flaw in that. You're the bread winner. You know what I say? Very good. Why don't you do that then if you were such an expert at it? I'm trying. You've never held down a job for more than a year in 3 months. It's because I've literally never been in one place that long. That is your choice. No, I mean to a certain extent. You're right. Maybe you have to leave that apartment, but you can go to an apartment down the block. No, I mean like she was in situations where she couldn't leave, right? Like Yeah. Leaving abusive situations is not always so simple as just like walking away. Not saying that one, but the you So you've only been in abusive relationships for the last 9 years. I mean, I've for in the last 9 years, every instance of your life has only been abusive relationships. No, I then there So shut the up with that criticism cuz this is the fallback bull. I never said she could not or she could just move from the abusive. I didn't say that. She suggested it was maybe a couple years. She just said for the last nine years she was endlessly moving. So off with that [ __ ] That is such a deflection. To

Try to play victim. I do not support that relationship, obviously, and I know it is impossible to just leave. But to say I moved around and couldn't stay anywhere for the last nine years, and it's because of abusive relationships that only existed for two to three. Shut the [ __ ] up. That is some dumb pushback. That is some dumb cope.

Also, when I wasn't in those relationships, I would end up going back to take care of my siblings. Okay. And then you couldn't do it, and then you gave him up. So, clearly, that didn't work. No. I mean, when my at the time, when our father was working in Fort Worth and we lived in Abilene, I would go and stay. Matter. You're getting the government check. Live with the kids. No, this was not this is then you should have done that years ago. Like, in between those abusive relationships, I would have to go take care of my siblings for him, 'cause he didn't have anybody else to take care of them. What does that have to do with today? That past, like you said, you were able to do breadwinner. You haven't. You're not now. You're milking off of him. He said that specifically. This has nothing to do with anything. You can trauma dump all you want. Has nothing to do with the fact that you are not doing it now. And if you were such a good breadwinner, you would be able to do that now. And I bet your resume is [ __ ] 'cause you've left jobs endlessly and you don't know how to carriage your resume to the jobs you're applying for. No offense to someone like you. Walked into the door, I'd be afraid that you'd take my business down anyway.

For the past six months, I actually had all of my own bills covered by myself. What bills did you have? My car loan, my insurance, my phone bill. Okay. So, three bills and like there's a subscription to Netflix and Crunchyroll.

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My little sister still uses my Netflix and my Crunch. Very good. So, like $600 a month. Again, I, I again, I lost my words. I apologize. Okay. I mean, so at the same time, I want you guys to give me what you think your household financial score is. Zero to 10. Zero being the worst, 10 being the best. At the same time, okay? 10 being the best, zero being the worst. You don't have to go back to school to figure out the scale. Okay. Zero, 10. Zero, 10. Same time. I'm going to go three, two, one, go. And on go. You're going to do it. Same time. Three, two, one. Apparently, you did need to go back to school to do it.

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Okay. Oh, you did Dash though, it looks like. So, you were hustling on DoorDash. How long did you do DoorDash for? Uh, about three hours before I totaled my car. Yeah, it'd be like that sometimes, you know? What are you doing? [ __ ] man. Good this conversation. What am I involved in right now? I hand I I had to handle all the insurance stuff. Of course you did. She can't do anything. We know that already. Remember when you bit off more than you can chew? You were bragging about taking care of your kids, but then you said your your siblings, one of which was 17, by the way, could 100% take care of themselves. Mostly. No, she couldn't actually. She had I don't care. I don't care. She's not. I don't care. I do not care. I do not care. Probably abuse, mental health, blah blah blah blah blah blah blah. I don't care. I'm sorry. Sake. Oh, I don't care. I'm done with your just. You're the most miserable among us. Yeah. You know, people go through lives and then take that and then go live incredible lives. Yeah. You're just milking it to death and you're laying in it and then using someone else to survive. It's disgusting. Come on. People take that horrible traumatic past and they go become the best people in our society. I'm trying to. No, you're not. 'Cause you're doing. No, you're not. 'Cause you're doing nothing that would be considered trying. You are doing nothing. You won't even get the subsidized health insurance that takes 10 minutes to get. Then you complain about not having health insurance. You. You are not trying. I don't want to hear it. This is some bull.

Southwest Rapper Rewards. Whose card is this? That's [ __ ] sake. That's me. I will hold your hand and do victim with you once you literally try everything that I would suggest and then you fail and it doesn't work. But you haven't tried. So [ __ ] off with that [ __ ]. It's a balance of $5,267.37. The [ __ ] are you doing? Please sign my Lulu. I will burn that. Pretty please. Lab boos. Who the [ __ ] are you? Lab boo is a new form of [ __ ] gambling. It is a waste of money. You just made a billionaire become much more billionaire. What? His like the feet on this one is like he's broken. He's sitting down. It's a sitting Lulu. He sits. Not very well though. Pretty please. Shut the [ __ ] dude. This is so stupid. This is so [ __ ] stupid. You got a lot. You got a lot fu food. Actually, boo are the dumbest thing in the world and the people that get him. Yeah. His name is He wor. What am I doing? Fine. Okay. Did you do your initials on the put? There's an actual signature. Thank you. Sake. What are we doing here? So dumb. [Music] Great. I'm glad you brought your [ __ ] Lubu. You know, waste of money. Someone that doesn't have a job complains about not being able to afford health insurance is going out there and gambling with L boooos. How many law boos do you have? Uh, none. That's not mine. Who's this as? It's my friends. This is so stupid.

What's going on with the Southwest cards guy? Um, we I mean I've had it for a long time, like several years. And um that's kind of been my my go-to uh for a long time. Has been my go-to kind of filter everything through that card. What do you mean filter everything through that card? What what is that to you? What does that mean? Like um like I would pay I would pay my bills on it and then what your bills well and then pay it off after. But it was just like to get the rewards maxed out. Well, sorry. You're right. It's not maxed out. No, you're right. It's not maxed out. It's over the limit by $267.37. So you're putting our bills on a card that is over the limit. That is a coin interest that we can't pay off to save our [ __ ] life. Those. Oh. Oh god. That is a coin fees. That is a coin fees. The producers, they were watching you. They said you seem surprised by that. I did say I I did say uh Did you did not know? You probably don't know his finances. It's over max. It's over maxed. So you becoming financially dependent to someone that can't can't even manage his own finances. Well, people use less credit cards in Europe, so maybe you will be better off there. I I gave him uh $3,000 to help pay off some of his cards. How much? 3,000 from the kid fund uh from my grant. Yeah. It wasn't for the kids. What card did that go on? We uh that went on the uh Amazon and the American Express, but not the Southwest at all. No. So, you purchased $140 on here. You had $189 of fees, dude. You tit $117.68 of interest accrued and we got a $368 minimum monthly payment. What the [ __ ] is going on? So, really, let's be honest. You stacked up a lot of debt. You your life. And now you just want to flee to get away from it instead of taking any ownership and beating this down. Let's be honest. That's what this is really looking like. No, I mean like we can't leave the country with debt, right? Like we want to pay it off. That's why we're here, you know? Ding ding ding.

So, I'll say this. Just going to say, listen, I'm okay with the center-left government. I'm okay with the center-right government. I like good and nuanced in the middle where you can fly back and forth. A nice little fence sit, you know. I like that. Right up there. But you guys, well, her right now, just like people on the far right. Anyone slightly to the left is a communist. Her, she's on the far left. Anyone slightly to the right is a fascist. This is what the internet is right now. Here's Europe. Right-wing governments currently. Finland, Italy, Hungary, Croatia, Czech Republic, Slovakia, Netherlands, Sweden, Austria, Poland, plus Germany. You ain't going to be happy there. Not with the way you view this. Also headed towards the right, Belgium, Romania, potentially France, Spain, and well, Poland definitely just did. It's a shift across the board, dude. Good luck. That's all I'm going to say. Yeah, we're over by $267. Past due. 158. Why are you past due? You what? What are we doing? Are are we want to leave the country so we can flee fascism? So, we have to pay off debt in order to do that. Well, we're past due. Please make that make sense to me or me. Yeah, we need help with that one. Well, um, just had bills that need to be paid. So, this is a bill that needs to be paid. Yeah. And I mean, I pay that bill. The minimum monthly. You didn't pay that bill. Well, many times this year, you have $258 of fees this year so far on this card. [ __ ] you. I have it set to pay now, but Oh, congratulations. Right before he came on the show where his finances will be exposed. He pushed the button. That means nothing. I'm talking about what you did this year. Multiple late fees. Sure. Um, well, before like I didn't have it on autopay because I was uh I would often not have enough money in my account to autopay. So I and like make sure all everything was covered. So I turn the autopay off and you know I would miss it by a day and then pay it off.

Is all of this new to you? Do you know any of this? Uh, no. I didn't know anything about this card 'cause this isn't one of the cards that I helped pay off. Well, what do you think? 'Cause this is the fact that the only reason he ever paid off cards was you bringing in some money. What the [ __ ] do you think of this? This is insane. You know how many late fees he's had this year? Many. This is crazy. Just on one card alone, then $676 of interest accrued. If a a late fee is $40 minus the annual membership fee of $149, great. Divided by $40. He's had about three late fees this year so far. So about a third of the year. Is that the card that you put the movers on? Yeah. Okay. Aren't you moving your own, dude? No, we moved her [ __ ]. Aren't you moving her, dude? Um, well, we got it was part of the You get the friends, you buy them pizza. That's a move. Sure. But part part of the the grant was it pays partially for moving expenses. Yeah. You put it on your credit card that is over the limit that is having three late fees this year and accruing interest like none other. Well, I had to get we we had to get the reimbursement for it. So, and then the card is still over the limit. So, clearly we did not use it appropriately. Yeah. I I put the movers on that card and then paid uh um I got the reimbursement for it and then the reimbursement just didn't end up getting onto the card. So $140 also charged for Microsoft 365. Why the [ __ ] would that be on a card that is over the limit that is beyond maxed out that we can't pay off that we're paying late constantly and is accruing interest? Why would you have that subscription on this card? What the uh I mean it's yearly. I just like forgot to move it onto the other card. But I mean I have all my other subscriptions on my on my debit and stuff, but I just.

We'll see about that. Listen, you can use the Fizz card. It's a debit card that builds credit. So, it like works like a debit card, but it is in the world of credit cards. So, it is great. And I'll get you a course career certification, so you can at least boost your resume and try to get into a job. But I would love that. Thank you. Our market unemployment rate borderline across Europe is substantially higher. Mostly. Yes, you have pockets here and there that are lower, but I don't know, guys. I mean, Europe's not set in stone, so. Oh, we're talking like Indonesia next. Like the dude just gave a very concerned face when you said that. What do you mean by that? Well, I thought we were talking about New Zealand. Oh. Oh. Oh, I don't know much about their economy, so I can't actually speak on that. I love getting into the geopolitics and economics of Europe because it's like do what they did, do the opposite, and you'll be successful. We learned a lot uh about it from uh our friend. um she she also wants to move to New Zealand and um she was telling us all about it and it sounds really great place to be. So well probably if you can afford to live there, New Zealand's hyper expensive, is it not? 'Cause it's kind of, you know, yeah, they have a lot of expensive and they have a lot of um they have a lot of restrict like environmental restrictions. So like shipping stuff there is more expensive and things 'cause there's a lot more uh taxes and and things like that for like environmental reasons on on shipping.

All right. So uh then if that's the case, I've brought in Miss Valeria or Mrs. is actually Valyria. She's our head of HR. She's not on camera, but she worked in New Zealand and she's in HR. So, like if that's if this is the big plan to escape life, I don't know, man. From what I've heard, Valeria, and please correct me if I'm wrong, it's kind of hard to immigrate there, is it not? Um, from from what I know, yes, it is. I mean, definitely. um to like help move over there. You probably need to have a job. The laws have changed a lot and it's just it's a lot more difficult to move. She's also jobless and they're not married. Okay. Okay. Uh that would make it um that much more difficult. And the job piece aside with, you know, with you not having a job and I don't know what your guys's total like income situation is, uh, but the cost of living in New Zealand is is very, very high. Um, yeah, I want to like in the last couple of maybe five 10 years even, they've had like a severe housing affordability crisis, but they want to run from fascism is their argument. The big argument is we want to run from fascism. Well, that's her big argument. Uhhuh. He's the IT job market right now in New Zealand. There's like a thousand job openings right now in the entire country. Tax sector is not very strong right now. It is big in New Zealand. It's actually their third largest export for what it's worth. But there's like a thousand openings right now. You're competing against New Zealanders, Chinese, right? Yeah, I know. Yes, there is. Yes, there's definitely a heavy population. Over 10 years of IT experience and no one else does in this competitive tech world we live in right now. Hey, how's the tech world right now, Valyria? Because we're in it. The Yeah. Uh I mean, it's it's definitely rough around here. Um, it and we have more of a tech industry here in like the US and Austin, you know, you think San Fran, what whatnot. Um, New Zealand is is smaller, even more competitive. Um, yeah, I mean, you have this constant like immigration between Australians coming to New Zealand, Kiwis moving to Australia. Um, and like Caleb did say, there is Yeah, there's definitely a large uh population from countries. Huh? Why did you move back? Why'd you? Why did I move back here? to Patriotsville, New Zealand, because it was actually very unaffordable. Um, yeah, to, you know, the the quality of life that I have here, uh, especially if you're looking at like a I mean, I would want to live in a larger city like Auckland, um, living anywhere else, you know, your job opportunities go significantly down, but living somewhere like Auckland, I want to say the average housing cost is probably like over a million dollars. And you don't work. We're so Whoops. Hey, would you hire her? The longest job she's ever had in her nine years of adulthood is a year and three months, and she bounces between jobs every second of her life. No. Uh, no. Just saying. All right. Thank you, Valyria. Okay. W's in for Valyriia. Her first voice on camera experience. Thank you, Valyria. Thank you. I really appreciate it. So, that's that. New Zealand seems a little off the table. And on her way out, by the way, she said, "Yeah, unless you're making $150,000 or and have a lot of money in the bank. Uh, the standard of living there is going to be pretty rough." Um, we know if you're on the show, a lot of money in the bank is not an option. In fact, we've only gone over one credit card and it was over the limit.

Okay, wonderful. Let's keep going. By the way, I'm curious and I would like to ask you this, especially since you don't really know the household finances. Why would you? You guys aren't married. It's okay. Nine months in, but you do live together. You know, we know what comes in. $5,000 a month. What was spent last month in the household? More than that. I asked her. Um, Miss Savannah Grace, $7,000. We're close. $6,782. How the [ __ ] are we getting to New Zealand spending $1,700 more than we make? How's that possible? How are we going to do anything? Believe it or not, even in a robust social welfare system, if you spend more than you make, you're still not going to do well. I love the Netherlands, by the way. If I would move somewhere, it's the Netherlands, but only on capital gains. I would not live there as an income tax individual. We're uh we're pretty far from from capital gains living. I'd say I was talking about me. Oh, well, I know you're you're I mean, but how the [ __ ] are you going to get whatever? I'm definitely not going to be able to pull that off. Well, yeah, you have $2,000 in retirement and you're almost 30, so you're dramatically behind. Yeah, you're you're you're done.

Chase card. Amazon Chase card. Oh, this is the one we paid off. Mhm. Okay, great. Interested last month. Glad you used that money towards a card that is still great interest. He's purchasing on it. Oh no, you [ __ ] mor you dick. No, you're a dick for this dude. He had a late fee. He had a late fee right after you paid it off. Right after you paid it off with the money you got from that grant. He had a late fee. Thoughts? 'Cause that pisses me off. That pisses me off real quick.

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Um, I'm just hearing about that now. I didn't. Does that not enrage you? Yeah, it does actually a little bit because honestly like he's always telling me that we like are in this together and then um now I'm finding out that I've been kept in the dark a little bit. Um I didn't know that he was spending on those until I applied for the show for him. And I definitely didn't know about any of the late fees. I mean, yeah, but I I feel like I feel like we we we had to spend on the credit 'cause we, you know, didn't have the cash available to pay other bills. I was asking like, are you sure we can go out and do this? Are you sure we can get this thing? Are are you sure? And you would always say yes. Yeah. I mean, I don't I I I don't want to say no. You got called on your buddy and you have no cope. You can't even cope about it. You have no rebuttal. You got called on your you got discovered. the you're doing, the spending you're doing, the late fees you're accruing, the interest you're accruing on a card that she used her very limited funds to pay off to help you. And I actually um we decided to pay off the cards instead of some of my personal debts um that would actually prevent me from being able to get housing if we ever broke up. Um, what is the status of this relationship right now? How are we feeling? 'Cause this is like backstabby. How are we feeling? I mean, I feel like we're doing pretty good. Um, it's 'cause he's getting. He wouldn't be saying this. Yeah, I would be lying if I said I wasn't a little scared. Reasonable. Thank you. Why Why are you living in a world of delusion? It's 'cause you're getting laid. I I mean, it's not that. I just like I want to I want to like provide for her and I feel guilty. What you just You moaned at the beginning about how she's taking advantage of you. Now you're saying I want to provide from her. How the tune changes immediately. I mean, I didn't complain when it comes to your. I didn't necessarily complain that I was providing for her. I just said that know that she's taking advantage. I said I said that she needed to do more to help out. Play it back. I mean, I am worried that you're taking advantage of me a little bit. You know, it was just played back. Big guy. No, you called her out thinking I feel like sometimes you're taking advantage of me. That is what you said. And now you're getting called in your the tune changes. Oh, I'm just trying to be a good a good man, taking care of her. I just want to be a provider now that you're called out. Yeah. The first part of this conversation was definitely bullying her a bit. Absolutely. Justifiably, I would say. Now you're getting called out and your tune changes. I mean, that's just my reason. I mean, I I I just I I don't want to say no. I don't want to.

Thoughts on his reason. I don't want to be What do you think? Like I I did feel like he was taking care of me, but I I thought that we were in a partnership with each other and I don't know. We are. I've been saying that. What a mess. Pull up your Amazon. Are you guys in the same Amazon together? Yeah. You have an iPhone? No. I I have an iPhone. Can you bring up the Amazon then? I don't know. Well, do you I don't think she sees 'cause we're we're on like the the family thing. So like Okay, go ahead and pull yours up. If you can start a screen recording, that'd be great. Okay. Okay. Here you go. All right. So, here's the Amazon. What do we got? We got G Fuel Hype Sauce. Yeah, let's get that twice. Let's get that twice by the way after she pays off the card so that we can have a late fee on it and have interest accrue. Interesting strategy of love. Phillips laxative. Okay, buddy. Had some backed up poo. Fair enough. Wouldn't necessarily put it on a Wouldn't necessarily have a put it on a card that we can't pay off after a girlfriend pays it off. Three-prong adapter. No Boost GP20. Ultra safe jump starter. Wireless Apple CarPlay screen. Oh, critical. Critical for life. Yeah, that was a backlit keyboard. A very gay one. So, it's probably hers. Yeah. She I fuel she has a she needs earplugs 'cause 'cause there's a woman in the house. Am I right? Yeah. Am I right, guys? Those are for me. Those are for me because I get overstimulated really easily in loud places. Oh, you ruined it. And the And the keyboard is because I have a weird keyboard that she can't use. Yeah. So, I got her a keyboard that she can use better. And yeah, that's Oh, good. Oh, if it isn't if it isn't this if it isn't $141 of late fees this year so far. Meaning Oh, that's about four missed payments this year so far. Hey, he's missed half his payments including the payment after he spent money after youing paid it off. He told me they were on autopay. You Why'd you say that? Lies. I mean, they are now. Oh, [ __ ] off. Right before coming on the show means nothing. Listen, the balance is small. You just have to pay it on time, you tit. It's $1462. Minimum payment $73. So stupid. So stupid. Also, there's gunk on your phone on the screen on my phone. Mhm. Yeah, my hands are really sweaty. Sorry, dude. It wasn't sweat. It was like it was like it was just crusty.

Blue cash preferred card. Whose is this? That's me also. All the credit cards are mine. Oh, okay. Great. Blue cash. We got a balance of $394. Again, it's not like substantial, especially at your income level with a minimum payment of $40. $299.70 of purchases, but not only that, $95 fees. $95 of fees. Hey, by the way, three cards we talked about so far, three all have had fees. All have had fees. This is what you're attaching yourself to. This is the person you're dependent on. Thoughts? Well, um I thought that we had already discussed all of the financial stuff and that it was that I was in the loop. So, he lied. No, I mean I mean I'm stabilized now, but like earlier in the year, this is your most recent statements. I will not hear it. I I am sick. I am sick and tired of the guys. I'm so good. I'm stabilized. I did a little budget for a week and a half before coming on the show that I knew I was going to come on that ripped me into pieces into finances. You did that for a diet show. You do that for a finance show. You do that for a car repair show. You do that for any show where you're improving something. That means No, no. I just got I got laid off from my last job. Buddy, this is your most recent statements. When did you get laid off? Uh March. Okay. So that then No, you're having mispayments last month, which was not March or last March. Sorry. So it wasn't this year. No. I'm going to lose my mind with this episode. What the [ __ ] does that have to do with anything? I mean, I just had like I had catching up to do. I had stuff to pay, you know. And what does that have to do with anything right now? I mean, like like I said earlier, like stuff that happened before we got together has an effect on now. So like that. So that's going to be your cope until the end of your life, guys. Stuff that happened in life has an effect on now. Equals. It's okay that bad stuff is happening now. And I'm going to use the past as a m as an as an excuse, as a cope, as a get out of jail. Well, I mean, go. No, I mean, you learn lessons, right? But you didn't. You having late fees last month. Off. Learn lessons. Where's your lessons learned? I'm not seeing lessons learned. You If you didn't have late fees, maybe we could have that conversation. It's a work in progress, you know. Nope. Not seeing work nor progress. I mean, we have had conversations about how I'm scared to be financially dependent on him right now. Well, you desperately are 'cause you're not getting a job to save your life or stick at one. And not only that, I mean, you won't get on health insurance, so good luck if you ever have to go to the hospital. But not only that, how do those conversations go then? Um, walk me through that conversation, please. Usually I just I mention that I'm having this fear, this anxiety, and well, I'm sure he hears that in every conversation with you, but yeah. Um, we talk about it then, you know, he does what he can to console me. We look at stuff together. Um, but I I How does it go from your perspective? Um, I mean, we do we do talk stuff over and go over stuff. Um, and you know I try to keep her in loop as much as possible. Um, but I like productive conversations. I mean, doesn't seem like it's led to anywhere. In fact, she's learning about a lot of your financial stuff right now. Yeah. I mean, like we um we talk about stuff and then apparently you spent a [ __ ] ton of money building out a recording booth in your house to become a voiceover actor. Yeah. I mean, please give me your voice over. Uh, I mean, I haven't like I haven't been in any parts yet. So Okay. I'm giving you a part. I'm hiring you right now. Congratulations. You are selling a budget-friendly cookbook. Sure. Sell it in a dramatic fashion. Dramatic. Okay. Dramatic fashion. Like um Oh, okay. Well, wait. No. Well, I got to get more like more information about what you want, right? Okay. I wanted to make money by you selling it. Okay. Um, this is Okay, you're fired. I This is your normal voice. Give me a different voice. Caleb Hammer budget-friendly cookbook. Okay. Okay. Available now. How much did you spend on that? Um, I don't know. A few hundred on the like 'cause I had like I'd rip the closet out and put the, you know, the foam up and that kind of stuff. What a sepot. 'Cause that's what we spent $299.70 on this card for. Uh, that was for a friend's birthday that I was hot. Yeah. You paid for the full thing? I I paid for half and then my friend sent me cash for half and then that half didn't make it onto the priorities of where money goes in your situation where you make substantial income. It's just going down. You have three years of acting classes. Yeah. Oh jeez. Okay. Synchry. Well, also yours. So, Care Credit. Care Credit. Is this dogs, cats, dentist? So, carrying Care Credit? $684.40 with a What's the normal minimum monthly payment? Um, it it has a $30 minimum monthly payment, but I'm paying What's the interest rate? Uh, 26%. Okay. I'm just I'm just gathering the minimums for now. Yeah. Yeah. But right now, um, it's got, you know, the six-month interest-free. So I I paid the last payment I made was $106. Is it deferred interest? Yeah, deferred interest is accruing. Uh, yeah. But that means Yeah. But I mean the goal obviously is what is deferred interest? It's like it accrues and then if you don't pay it off by the on your card. Yeah. 100%. You know for a fact. Yeah. Okay. Then what you're doing is okay. And I'm paying $106 on it every month. So that way I can have it paid off by the time. Okay, I'll make that as a note. $106 bucks is needed to pay that off in time. Okay. So dental work was done on this. Yeah. Yeah. Fair enough. Canal, huh? Had to get a root canal. He did. Okay. Yeah. I got blessed with my teeth. Really lucky. Smoke cigarettes, don't you? Yeah. I vape. I knew. I told you he wouldn't like that. Yeah.

Indigo. What's this? What is indigo? That is the money from my apartment that we actually use the money from. And I bet if we talk about it, it'll be a trauma trauma apartment. So, we're not going to Okay. Well, you owe at this apartment this trauma apartment, $455.76. Okay. When was this? Um, March. This year. This is the apartment that she left to move in with me. Yeah. Okay. I couldn't afford to I know we're going to get into something that's about to annoy the [ __ ] out of me. Why'd you leave this apartment? I could not afford to Oh, wow. It wasn't actually trauma. Because of what happened with me and my sisters, I lost my job. Oh, you lost your job? Yeah. Having to take care of them because they were sick all the time being kids. I got that. Except obviously they have places to go 'cause they're going there now. One's going to live with their literal mom at the time. They couldn't live with them. Hold on. I got that. That's fine. Why did you lose the apartment though? Because I couldn't afford to pay for it. Because you lost a job. Why'd you lose a job? Because I didn't have anybody else to watch my job. Uh, Texas Health and Human Resource. Oh, great. Okay. How many hours a week were you working in that job? 40. What was your pay? Uh, $3,325 a month. Okay. And you were getting it. But you were getting the grants for the kids anyway. Yeah. But I just So, that would have helped. It wasn't enough. Well, not enough, but you could had a part-time job. You said the I was also DoorDashing. a 17-year-old that has independence now and is moving in with other family, right? 'Cause they're 18. What's wrong with them? Um, she has just a lot of learning and mental disabilities. So, she could have been okay. Could she have taken care of the younger one? No. So, it's that it's that part. They could not have been left alone at all. Why the Well, no offense, but um they couldn't be left alone and I didn't have anybody in my life that could walk, which I get that and I understand why you would empathetically want to take care of them, but is it not more of a disservice to put them in the household of someone that can't even take care of themselves? if we're being completely candid and honest. That was that was my argument about it when we'd talk about it like um because you know uh I when when things were getting rough I would have to be like hey I hate to say this but you know maybe consider that you know you can't handle this. Oh and you just opened a Costco card two weeks ago. Yeah. Yeah. Is that in the stack? No. How? Pull it up. Why the [ __ ] are we opening a brand new credit card if our goal is to pay off debt so we can flee to another country? Um, at the time I think it was like a they had some sort of special going where if you open the card special going you get like uh the membership is free basically. Who gives the go to H damn B? We don't have HB. Go to Walmart. Okay, great. We immediately Okay, you open it, you get the benefit. Fantastic. And that's where you leave it, right? Nope. We immediately boosted it up to $1,290.81. Great strategy, guys. We're really getting off of this. Oh, it's up from 563.

All right, Jexa Energy. Uh, that's also mine from my apartment. [ __ ] Yep, that makes sense. I deferred paying those um to pay the credit cards for him. Why? Because those won't have like interest on them versus But they're on your collections. They'reing you. I mean, they're destroying you. Yeah, a little bit. But And also, it's his interest, not yours. You're nine months into a relationship. You're not even close to married. Yeah. But at the time, like uh I didn't need any big purchases or anything like that. So, I thought it would be okay until I got a job and I'd be able to easily pay them back off and I just I've never been without a job. I'll look at your resume. I'll look at your resume in the post show. Okay, you have your resume if I ask for it. Good. I'll look at it in the post show. We'll see. $355 is owed on that. Oh my goodness. Now, what do we owe $4,762 to at Abilene Teachers Federal Credit Union? That's uh my car. That's my car loan. The one that you bragged about paying. The one that I just totaled. I have gap insurance. Yes. But steps for that might be in breach of my gap insurance cont. Why? Um, apparently my deductible on my insurance is too high. I didn't know it. I didn't know it at the time. Yeah, I found that out right after the crash. I actually called my bank and talked to them about it. All right. Well, we owe $4,762.66. That's a 13.5% interest rate. You could have paid this, too. $456 is owed on a monthly basis, right? Mhm. Um on the car. Uh no, that's $263 a month on the That's what you bragged about paying. Okay. $262 a month. It's a [ __ ] credit card. It's lower than his top credit card payment. His first credit card we talked about. This is the fourth car you've totaled. We shouldn't let you be driving, right? Yeah. It's It's more than that, right? No, it's four. Oh, okay. Germany, you can have her. He has the blue eyes to go. Four cars. Yeah. What the [ __ ] is wrong with you? Well, I think it's undiagnosed ADHD, but ladies and gentlemen, here she is. Women driving. Am I right, guy? Dude, you are the You are the definition of Reddit and TikTok. You are everyone on there combined into one. I'm not even joking. You literally are. Where's my award? Your award is you will never be a productive member of society and you could cry about it forever. That's your reward and our punishment. Mhm. Brain rot reward. It's not brain rot permanent. It's not brain rod. It's permanent victimhood. We all love a good brain rot. That's [ __ ] Oh, good.

No, this is a mortgage. You have a mortgage? Oh, so you're going to sell the house to move? Uh, yeah, probably. 6.5% interest. That sounds about right. So, you probably got it in the last couple years, right? Yeah. $285,363.23 is owed. Mhm. Okay. Minimum monthly payment $2,861.25. Yeah, fair enough. Okay, good. You have an What's it worth? Um, I don't know the what it's worth, but I know I have like a $10,000 equity position in the in the home. So, it's worth $295,000. Yeah. I am getting some sad headshakes in the back of the room, ladies and gentlemen. That's fair. Okay. So, you will lose money if you sell. Yeah, probably. Oh, you got it with your ex. Yeah, that's great. Yeah. Very uh that was what I was You guys do relationships so well and you guys I got cheated on. That wasn't my fault. But I will but granted getting a house with someone you're not married to maybe not a smart idea. He took accountability for something with no emergency fund.

We did it, ladies and gentlemen. $1,000 in this checking account. Netflix, Hawaiian Bros, Taco Bueno, Hulu, Amazon, Chick-fil-A, Puff World, Smoke Shop. Going in, getting some [ __ ] Wingstop. Venmoing out $29. Michael stores Venmo out $4.75. Getting some [ __ ] Subway. Then went out $10. Apple bill, Puff World, Smoke Shop. Apple bill. What the [ __ ] are we doing? Whose checking account? That's mine. The [ __ ] are you doing? You're killing her. How? Wait, you're spending money you literally don't even come close to having. Yeah, she was spending Yeah, that was after This is insane. I had paid off my bills for six months. I thought that would be enough for me to find a job and I just kind of had a little extra left over. I tried to I tried to tell her that she wouldn't find a job all that fast. But what are you guys going to do if you get pregnant and you're in Texas now? She has a I got a vasectomy. Well done. Absolutely not. I don't want kids. I don't want kids. No. Um my uh 'cause I I don't I don't think that I mean obviously in my situation it's not right to bring a child into the world when I can't take care of myself, right? Or us as a couple. Be an adult. But sure. Yes, I agree. $197 in this checking account. This is yours. Yeah. Bombshells. Hto two hands. Pokey whiskey cake. Oh, this is all [ __ ] All while we have credit card debt and late fees. You You're late fees or not? I had to pay bills. Dude, you're going out to eat every second of your life. Camera, look at this. Just look at this. This is [ __ ] ridiculous. Shut the [ __ ] up. victim [ __ ] Amazon poppies or Popeyes ooi sushi grill. Tesla life ATM $1 $43 transaction fee. Transaction fee Texas fo Samusi we all love some Samanusi Yama Sushi and Shea Hut Cheddar Hollows Waterburger Texas Phans McDonald's. Wendy's Taco Bell alterations by going against some bull Taco Bell outlaw saloon. Oh, there's more. Bull [ __ ] Waterburger, Taco Bell, Sonic Drive-In, Chicken Express, Popeye's, Sidecar, Social, Sidecar, Social Bull, Bull, Open AI, Chat, GPT, Cash App, Bull, McDonald's, Amazon, World Marker, World Market, HTTO, Container Store, [ __ ] you you do not get to claim any victimhood when it comes to those late fees that were happening in this month. You bought a $3,600 Victorian portrait of yourself and your cat. Yeah. Yeah. Um Okay, you guys are done. There's no hope. You guys are actually broken. That was That's probably by far the dumb one of

The dumbest things I've ever done. You need to stop going out to eat. You need to stop going out to eat. You need to quit smoking. You need to stop buying dumb things. Moronic.

I tried to get her to stop smoking and it lasted 24 hours. Of course it did. Members account 1,600. Uh, you'reing your retirement 2,100. This is good luck, guys. Let's see if we can butt to this. But good luck.

I mean, just your guys' world views broken, especially yours. Like, you're going to be victimhood forever. You're going to say, "Oh, but things in the past impact us right now, so we can't do anything no matter what." There's nothing happening. And then you're like, "Well, I had to make payments due, so that's why I was late on my credit cards." Then he goes and blows hundreds, if not thousands on going out to eat. What the are we doing? What are we possibly even doing? So stupid. So moronic. I don't understand what kind of life we are trying to live. It is so stupid. Beyond stupid.

Going out to eat was $1,323. Couldn't afford your payments? Off. Know for a fact you guys' minimum payments outside of the mortgage is less than that. Not including the mortgage and putting in $16 for the uh care credit instead of the 30. Your minimum monthly payment for debts are $890. Now, let's put in the mortgage. That is 2,861. Utilities, gas, electric, internet, all combined. Well, how much is that on a monthly basis? Uh, let's see. Gas is about 60. Internet is 80, 72. What was the third one? Sorry. 807. Oh, okay. Um, any other utility? Gas, electric, water is about 80. Electric, uh, electric on the higher months, it's like 300. So, I um I just budget for 300 and then Buddy, how much in total? Cuz now you've just thrown out a bunch of things. How much am I budgeting towards utilities? Uh see, hold on. Um 300, 380, 460, 520, and then yeah, 520. 520 for utilities. Kind of crazy. gas vroom vroom drive. Uh like $60 a month. And now you don't have any? Yep. Yeah. And then I and I work from home three days a week, so I don't have insurance a lot. Uh well, none for me anymore. Um but u mine is uh $50 a month, but I pay it in uh like one big chunk like the six month. Yeah. Uh 80. Mine's 50 plus 13 total. Okay, good. TP fund. Anything else you need to survive? 200. Medical, healthcare, co-pays. I'm sure you go to a lot of things. Uh, I don't think either of us have any co-pays. Okay. Gym. We don't have a gym. We want to budget that in though. Yeah, let's budget in it. Yeah, we want to have one. I'll put 50 bucks. Okay. Groceries, $600. Use the meal plan. Use the cookbook. Just meal prep. Meal prep. Meal prep. You guys have pet insuranceances? No. Should you? Yeah. Yeah. How many of them are healthy? And all all are healthy. All are healthy. Uh, two are old, three are not. Okay. Three whats? Uh, I have three cats. She has two dogs. Which ones are one of her dogs? One of her dogs is old and one of my cats is old. Okay, there we go. So, I'm going to go Let's call it 100 bucks. Nah, let's call it 120 for pet insurance. There's no way you guys could afford a vet bill. Anything else that needs to be your I'll put subscriptions in 50 bucks. Anything else that needs to be in your budget that I've not taken account.

[Music] I don't think so. Does that sound like everything to you? Yeah, that's I think that's everything. I finished paying off the portrait so that I have to It was a debt. That's great. Yeah. Yeah. Okay. Needed to survive is $5,531.25. You only bring in 5,000. You [ __ ].

Um, okay. I mean, the reality of the situation is go get aing job and I'm going to review your resume in the post show, but if you can bring in a thousand bucks, we can at least start chipping away at this stuff. I mean, the bad debt outside of the mortgage itself care. Yeah, it's about about 13,500. You go bring in a,000 bucks a month, we can pay that off in like two years. That's not that bad. Bring in even more, we can pay it off a lot quicker. $1,500 a month, we can pay it off in a year. get her fully funed emergency fund. Then you guys can do whatever the you want. Yeah, but that's what we're doing. Now, there's already a few things I know we're going to talk about in the post show. One, her resume. Three. Okay, this one's actually crazy and I'm not going to spoil it. Um, and also just Oh, oh, there's so much. Okay, so yeah, let's get a hammer financial score. The post show is going to be crazy for this one.

Spending in a budget, you ever spend 0 out of 10. Debt, oh, we got collections if we're doing household zero out of 10. Emergency fund, there's like a thousand in savings, one out of 10. Retirement, dramatically behind, 1 out of 10. In real estate, you don't own a house, low equity position. So, if you're going to sell today, it would be kind of rough. But, um, I'll give five out of 10 cuz you can just sit and hold. So, you still have that advantage at least you're in the market. Mhm. Hammer financial score. Round it up to 1.5 out of 10. Get yours at calehammer.com. Join Hammer Elite Bolo to come watch the post show and three premium shows posted every single day, Monday through Friday. We couldn't talk about this in the episode cuz one, this will get us demonetized real quick. She was in three separate cults. It was just really messed up. It was messed up. He just started like and yelling at everybody. That is crazy. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.