I Wasn't Expecting This... Transition… | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. So what does a better life look like? Be able to have my top surgery. Top surgery? I'm a trans guy. Interesting. How much does that cost? $1,000 to do it. So you're negative in your f***ing checking account! Download my new simpler budget app today and take control of your money once and for all. And as an extra limited time...

Lovely bonus. I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget premium annual. Hey, this is Sam. I'm 31 years old. I live in Atlanta, Georgia, and this is Financial Audit. Thanks for coming over from Atlanta. That's a pretty good trip. What do you do there for a living? I'm a project manager slash sales guy. Oh, that's an interesting...

That's two jobs, but okay. So you better be making money. How much you making? For a year, $82,000. Yeah, okay, that's money. How are you feeling living on Atlanta at $82,000 a year? I think it should be better. Living there or making more money? Making more money would be better. Because I have a problem with my job right now, and he doesn't pay me on time. It should be better.

Wait, okay, you make $82,000. How much of that actually comes in? I mean, it does come in $82,000. But the way that it's coming in, he split everything. What does that mean? So if, for an example, if I get, I have a base salary. So it's $1,150 per week, but he doesn't pay me every week. So he's like 14 days behind, sometimes 16. Well, how often? Four years. Okay, four years. No, I'm saying, how often is he late though?

Every paycheck? Yeah, every paycheck. Okay. Well, maybe you're leaving the job at that point. I'm going to be honest. We once...

Do you think so?

What are you doing here? What's going on? What are we talking about? I really want to give my wife a very good life. You're married? Yep. Cool. How long have you guys been married? This year is going to be five years. Wow. Okay. Very cool. Any kids? Nope. So what does a better life look like? Be able to have my top surgery. Top surgery? Top surgery.

Like top surgery? Top surgery. Like trans? Yes. I'm a trans guy. Interesting. Yeah. Oh. Don't look like. No. I mean, well, congratulations. You've done that very well. Successfully made it to the other side, it seems. I have no idea. Okay. Honestly, this was years ago, but I had someone on the show. It pretty much their entire financial life just to get.

Top surgery, I think. That's a lot of money. One of the surgeries. I don't know which one at that point. No, that was... Probably top surgery. No, that one came from man to woman. You went from woman to man. Woman to woman. Yeah, I always joke about like I have to come out twice. What? Like I always joke about like I have to come out of the closet twice. Why? Being a lesbian and being a trans guy. Oh my goodness. Yes, the world's very confusing. Okay. Yeah, sure. How much does that cost?

Around $20,000 because I have to be at home at least three weeks because not working, I have someone to be with me. You pay time off? No pay time off in this job? No, never, never. How structured is this job? It doesn't really make sense to me. You get paid a lot of money, but he rarely pays it. You don't have paid time off. I'm just like, you've been there for four years. So the way it was...

He found me on the restaurant like four years ago. Okay. He was trying to get my wife to work for him. And then my wife was like, no, I don't know you. And gave me his number. And then months go by, he was there again. And like, hey, I really need someone to be, you know, getting calls and putting my schedule and all of that. So I gave him a text like, hey. And back then I was not a trans. So I was fooling like a girl still. So I gave him my original name. Like, hey, this is wife of ta-da-da.

And then he's like, okay, meet me here 5.30 in the morning. Wait, you guys were married? Yeah, we were married. Wait, so she married a chick? Yeah. What does she think about this whole thing? She was cool, but her parents didn't be in it. I was the first chick that she had.

Let's say like guys, she was always straight. She was always with guys in Brazil because she's from Brazil as well. Yeah. So when we met and I was working on the restaurant, I was a manager of this Brazilian restaurant. Yeah. And then she was there being a regular, just visiting her cousin that lives in Atlanta as well.

She was in and out and I'm like, "Hey, you know, you look nice, you look cool. Why don't you work here? Do a little bit of money. Go back to Brazil with a chunk of money." She's like, "Okay, are you going to give me the job?" I'm like, "Yeah." So months go by. Were you like a butch lesbian?

Yeah. Yeah. Because you already got the dude energy on you. So I feel like you're kind of like a... But I was only like that when I moved to the United States. When I was away from my parents. Brazilian. Yeah. You got the BBL. Yeah. All the goodies. Sure. Okay. So we're trying to save up for a $20,000...

Boobie go bye-byes? Yep. Okay. That and I want to take... I might say this on ovary. Like the ovary. We're taking out the O's. Yeah. The eggs. Yep. Yep. Because I'm not going to be... I'm not going to get pregnant or anything like that. So I'm just going to take that out. But you don't want to. I don't want to. Okay. Yeah. We don't want to. Right. Well, I mean... Yeah. I mean, that makes sense. I guess you would have to have someone else to do it. Yeah. Yeah. At the point... Okay. So...

We're scrambling and we're cutting. Sure. How much does that cost? $12,000, $15,000 to do it. For that one? For the surgery. Oh, for the ovary? Yeah. That is around $13,000 as well. So we have $20,000 plus $13,000. Yeah. So let's call it $35,000. $35,000, yeah. Okay, so we're looking for $35,000. Okay.

I don't judge. I'm just here to do math. We're on the math game here. So I'm going to ask me what I want a budget for. And plus the time off because she has not, she cannot work. She had to be with me. And then after that. For two weeks though. Two or three weeks. Did she have paid time off? No. The fuck does she do? She do Amazon deliver and Instacart deliver. Yeah. That's a full contract. That's the one thing that I really wish that she couldn't work with that. Um,

So 2022 was when my mom came here and she started to live with us and stuff got very tight. And her side of credit card, it's where we put a lot of moving because I have to move like, so it was supposed to be my mom and my sister to live together because she had a house back then, like a townhouse. They have more space, but she got up to a divorce, like right, like a couple of months. How does this impact you?

I had to move. And I had to move to a bigger place because we were living in an apartment in one bedroom. So she was bringing her dog and I'm like, I cannot have a dog in this bathroom. My mom cannot sleep on the couch. And the only way that I move with my mom, it's my wife putting like saying like, I will just move if we move it in a place in a house with three bedrooms. So we have a lot of space and a yard so the dog can be happy and all of that.

So we did our research and like a couple weeks before my mom getting here is where I got approved for a house. And the only way that I got approved, it's making a huge down payment. And she had to create a credit card for that. And so most of her credit card is because we put like trucks moving and the down payment, maybe a couple rents were there first too. Yeah. Okay. I don't know.

Your finances are obviously fucked. This is an absolutely, insanely thick stack. Are you trying to say what got you into this was you had to move? Is that what you're saying? The stack of thicknesses in front of me because you had to move. Is that what I'm being told? Her credit card, yeah. Her credit card? Yeah, and her side of her credit card. I don't care about her credit card. Whose credit card? Her credit card? Yeah. Your wife's? Yeah. Okay. Yep.

And her credit card. Is her credit card in here? Yeah, everything is there. Oh, this is both of you. Yeah, yeah. Oh. Well, I mean, you guys have been together five years and there's no kids. No. We're not planning on kids. No, no. Okay. Okay.

Well, where do you think you are in the world of finances? Zero to 10. Zero being the absolute worst finances. 10 being the absolute best. Where do you think you are? 0.5. Yeah. Yeah. Watch your Hammer Financial Score. Take the assessment. The link is in the description below. You can always just go to calebhammer.com as well. If you want to come on the show, calebhammer.com slash apply. I'd be happy to have you on here.

Okay, now you said you do sales. What do you sell? I sell projects. So I sell concrete, like driveway, retaining wall, pavers, stonework.

So I go to houses. They call us, of course, to do an appointment. And then I do a walkthrough and see what the person wants to do. And then when I got home, I built the estimate up and send it to the client. Like last year, I was able to sell $4 million for the company. $4 million? That's awesome. What's your commission percentage? 1.5. Yeah. And that 82, is that from that? Yeah. Okay. So 82. I mean, I had...

Oh, this is with your wife combined. Yeah. I have the household income at $10,788 from the last month. Right? Yep, yep, yep. That's not bad. It's over six figures. $120,000, right? It's not bad, but... $120,000 is great. Yeah, it's great. I want more, of course. Sure, but that's close to double median the household income in the entire United States.

I don't know that. Yeah. Yeah. The median household. The amount that I had to spend to work for him is insane. Do you get it reimbursed? Never. Are you a contractor? Yes. So you can write it off. So I deduct right off. The only thing that the lady, when I do the taxes, she write off is just my miles. Why? Why not more? Do you maybe your CPA? Maybe you get a different CPA. Why don't we stick with the lady? We changed this year. We're going to change this year.

Yeah, I mean, wait. We're gonna change later this year. Do you file quarterlies? Um, no. I mean, how about, okay. Okay, $10,000 came in. You're both contractors, so we're setting aside money for taxes. No. Okay, how long have you been doing this for four years? How was 2023's taxes? Uh, how much I had to pay? Did you pay them? Um, I paid them monthly. Okay.

Huh? So it's... You still pay them? Yeah, I still pay them. You still pay them? Yeah. See, but why would we then not start saving for the taxes we're doing now? If we're already paying previous taxes monthly, why do we want to continue stacking that up with having to pay last year's taxes monthly? It's hard to do budget when you're not getting paid, man. It's like... Yeah, but you are getting paid. You're not getting paid on time. But whatever... Which does suck, and I do empathize with that. But you still... You put the... Listen...

Have to pay taxes without getting paid. Get that. Okay. You only save for taxes when you get paid. So listen, making a payment on a rent, like if for some reason you don't get paid once that entire month, but you get paid five times the next month because the dude fucked up. Yeah, that sucks. That sucks. But you only put aside money for taxes once you get paid. So it doesn't matter when you get paid.

If you get paid once a month, you set 30% aside from that away. But when he paid me, it's already... A lot of fees already gone. Like, I have... Yeah, like, for my credit card that I'm trying to... Minimum payment. So, and then... And so, fees come in, and then I have to pay that. And then for whatever fees that we have, like a rent or...

Water, or... Yeah! Expenses! But you can control some of those! The rent, you know, you can choose what rent you have. I feel like I never have money on my bank account when it's time- Probably because you blow it all and you're stupid about it. Listen, you made $2,000- $10,400 for the household last month. How much did you guys spend as a household? Probably that. No, you spent $16,000. Yeah, you spent $16,000. So I don't have money? I thought I wouldn't have money.

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Y.com slash AMR or call 888-YREFI-78. That is 888-YREFI-78. Break free from the high interest trap and get your finances under control once and for all. Probably because of fees, right? No. No. I mean, I don't fucking know. I mean, we're going to go through everything. We're going to find out. But how would you not even know? $16,303.42 down to the penny.

I have no idea how much my wife does. So I kind of... Why? You guys have been... You've been married for five years. Do you not communicate? Do you not talk? We don't talk too much. Why? We always... There's not five... Was it your accent? No. What do you mean my accent? Oh, this was a joke. Okay. Why don't you guys talk? Um...

We always get nervous. Nervous? Yeah. We're never a person that knows how to deal with money or came with people that, you know, parents. None of us are. None of us come from parents that know how to do things with money. When we try to see like, hey, can we do this? Can we do that? We are kind of with money that I will still receive. Like, oh yeah, maybe right now, like all the problems that I have with my boss, like, oh yeah, start doing with your car and I will give you a car a couple months if I see you're going to stay with me, if you're good and whatever. And I'm the only seller beside him.

Okay. So I always put in my head like, okay, once he gave me a car, I'm going to sell mine and we're going to do more money and then we can, you know, pay all this stuff. But that never came. So I always wait, was waiting for something to happen so I can start saving money-ish, something like that. Make sense? Yes, I guess. But you literally spent $6,000 more than you guys made. So what are you waiting for? That's probably because...

Vacation-wise, maybe? Like, my... Vacation? No, I mean, not all of that. Why the f*** can we go on vacation when fees are the ones destroying our lives? You said fees. Like, rent. It's a life fee. I assume is the way you're thinking about it, which is fine. Sure. I guess. Yeah, you gotta have a roof over your head. That's a life fee. We're on vacation. If you guys can't talk about money, why are you going on vacation? Because when we talk about vacation, we see our...

We kind of forget about credit cards. Yeah, you see an escape from the real world. Yeah, maybe. You guys just run away instead of actually dealing with your problems. It is hard to talk with her. Why? I need to know why. I mean, she's not here now. She's right there. Yeah, so tell me why. Well, because when I say something, she disagrees, and I think I'm right. Now, why do you guys disagree when you're talking about money? Okay.

Give me an example. For an example, when I saw stuff was getting tight for us and I told her, like, look, you need to get another job, like, beside the one you have to use car so we can sell one car, use that money for pay some stuff and then we could be better and I can pick you up and back and forth if you need that. And she disagreed with me. She's saying that the problem, it's not her with her job in the car. It's me not getting paid in time.

Huh, okay. So how do we resolve that then? How did the conversation usually go from there? And I tried to make her work more hours because she only worked from 6.30 to 3. From 6.30 to 3? Yeah, and then after 3 she doesn't do anything. She just goes home. Well, 6.30 to 3, what is that? That's still...

Eight hours? No, it's like nine hours. It's still a good chunk of hours to work, but she doesn't do that much. Like, the only way that I... It sounds like a full day's work, though. She just starts early. She does, but it's just not enough. Like, I mean, she doesn't work the whole time. So around noon, she goes home. She feeds her cat. Noon during lunch? Isn't that the peak hour? One of the peak hours? I don't know. For DoorDash and stuff? I don't know. She doesn't deliver food. It's...

Well, you said Amazon and what? Amazon does Whole Foods. They pick up like grocery stuff and everything. So she go there and at noon, she stay there for 30 minutes. If I'm there, she stay for an hour or two. And then she just work one more hour. Okay. So you don't think she works enough. So what do you do?

You try to talk about it? I try to talk about it. And what happens? I'm like, look, let's try to do a resume for you and put it out there. Maybe work on Target. So work a better job. Okay, a different job. Okay, and she says... We can sell that. She's like, no. She said, no, it's not a problem. Because she don't think that she's the problem. She's not the whole problem, of course, if it's both together. And she just thinks the problem is not getting paid in time. Me not getting paid in time. And that's why... Well, no. I mean, obviously, objectively, the problem is...

I mean, you must have gotten paid on time this month because the month that we have. Because if you're making $82,000, I mean, that makes sense with what hits your account. Combined household income at the $10,788. That's not about not getting paid on time. I think it's the $16,000 you guys spent. We never agree when it comes to money. But that's math. That is $16,000 more than $10,700. I don't know if...

We know this. Yeah, it makes sense. Okay. But the thing is, when I could sell my car, when it was a good condition still. It's a jump. Okay. So I told him, like, look, let's sell this car. You get a normal job. Work at Home Depot. We need a car.

Whatever. You really want her to work retail, it seems. Yeah, sure. I mean, I don't wish. No, I understand. But she has a very good degree in Brazil. She's from Brazil? Yeah. Okay. What's her degree? Producer in radio, TV, the calls. That's a very good degree? I think it is. I mean, I don't have anything. She has something. It's a high degree. I don't know if that's a very sought-after, in-demand job.

It's not, but maybe if she kind of put the work in, maybe. Well, sure. Does she apply? No. I mean, I've been one year asking her, like, look, let's sit down.

Let's put everything together. I need to know how much you do. And the way we don't know how much exactly, I mean, if she probably, she probably knows, but she always reading a phone money from the app, like every three days. And I'm trying to talk with her, like do weekly, but since I don't get paid and she needed to take that money off and to buy something to gas or sometimes it's so tight for me that I need to call him like,

hey boss, I need you to pay me at least $300 because tomorrow I will not have gas to work for you. And of course I do a little bit of drama saying I'm sick or my car needs to do something because that's the only way I can get the money back. Like my money. That he's always, like on my commission, he's always behind two months. But if he's always behind two months, I'm not listening. I'm not saying he's okay for that. Not even close. I'm not defending him at all. But if he's always behind for two months and you've been there for four years, aren't you...

Technically, if you're always getting what happened two months ago, you know what's coming. I know it's coming. I know what's coming. But the agreement was every 15 days. No, no, no. Again, I'm not supporting him. But if it is consistently two months behind, been there for two years, that's not the major issue. It's stupid. And you should probably honestly work for someone else, I'll be honest.

It is hard. But you know what you made two months ago is going to hit. That's just a budgeting thing at that point. I don't know how to do budgeting. So, I mean... Okay. Well, neither of you leave the studio until you download the Simpler Budgeting app. We made it specifically...

specifically for you. Made it for everyone in the audience. Made it for me. I use it on a weekly basis. You get the premium version for free. You guys get a couple week trial, but make sure you download the Simpler Budgeting app. And I'll give you, before you leave, a founder's edition of our Simpler Money Notebook. And I need you to...

Journal your financial journey in there. And I'm going to read it when you come back on the follow-up channel. Okay? Awesome. Thank you. I'll send you guys a signed version if you are an annual member to Simpler Money Premium. We'll ship it right to you. And I also have a degree in Brazil, but because it was a very bad college, they don't exist anymore. So there's not a way I can pull up my search for Kator. You didn't get your...

I did, but I moved here and I thought I was never going to use it, so I just lost it. Honestly, a lot of places you can see have a degree on your resume and

I'm kind of nervous because of that. But you got the degree. I do. You're not even lying. I do. Yeah, just put it on your f***ing resume. I don't care. Dude, just put it on your resume. I'm sorry that the college closed down, but put it on your f***ing resume. And put your experience on there as well. I need to start getting into these documents because we'll be here for a thousand years. They will...

ask for it. I have some people saying that. Okay, well don't listen to that. I'm going to shoot them in the face next time they talk. I will. I don't know. I don't think they know what they're talking about. They'll ask to see it. You have to walk into the office and give them the resume. One time I was looking for Microsoft. They need people who speak Portuguese. It's different in Atlanta. And they asked for it.

They asked to see the physical degree. Yeah. And then I lost the job because of that. Maybe they were getting some red flags in some areas or maybe that's what they do with foreign. Like, I don't know. A lot of people that I know work there and they're like, look, you need to bring the certificate because they will not hire you. Certification. Wait, what's the certification in? Tech.

IT. But it's not a degree. So you're certified in something? Yeah, they might want to see the... Okay, that's different. If it's like a cybersecurity certification or something, if it's like a boot camp that is specifically designed for a certain specialty, they might want proof of that specifically because it's different than just going and getting like a

BA in fine arts, right? You're going through a boot camp. Yeah, that might make sense to send proof of record for there. Maybe they also, as they do the background checks, maybe those don't automatically pop up like a degree would. So I could see that as making sense. Listen, I'll give you a course career certification of your choice. Just go through that. There's a lot of tech ones on there. So if for some reason yours is a struggle, just go ahead and get one of those. I got to jump into these cards. All right. Okay. So a firm. Hmm.

What the f*** are we doing? So, Affirm, there's a lot of furnitures. That happened when we had to move to the big house when my mom was here. The big house, when? 2022. This is a three-year-old Affirm? I mean, most of them, yeah. It's f***ing Affirm. People get this s***.

four payments but we still pay i i think i'm talking about dude i see caffeine army cappuccino uh ship station what the are you talking about oh i didn't know my wife put that stuff up there and the first document you don't even know i thought your wife was a debit card oh my gosh oh my gosh oh my gosh no it's all finance card because you guys don't have the money because you spend sixty thousand even only ten thousand seven hundred comes in oh

Okay. Yeah, this is the danger of not talking. This is the danger of not communicating. I don't care if you guys don't always agree or disagree on what the solution is, but we at least need to know where the money is going. Money is going. We can't agree or disagree about that. Because this is where the money is going. I found out that we split our rent and I didn't know about that.

Why are you guys doing things? No, no, no. Why are you guys doing things to your household financially without talking to each other? Well, she told me once, because last year we had to bring her parents here to get a visit, like visit and do a vacation. Okay. Why? Because their visa will expire this year. Okay. And they will not be able, maybe, like there's a big chance they will not be approved to renovate that one. Why? Why?

I really don't know why, but that's how... Well, then I don't believe you. Because they've never been here. So they have like a visa for 10 years. And I think if you never use it in 10 years, it will be difficult to prove to them to get approved. Like, well, you've never been there in 10 years. Well, that's an actual answer. So we agree saying like, look, we're going and that's where we have a little bit of fight. But in the end, I agree. And it's our fault, my fault as well.

Wait, but did you guys pay to bring them? Yeah, we had to pay everything. But it's their vacation. Why are you bringing them? They don't have money. They don't have money at all. You don't have money. But we could pay for the vacation. What the f***? I saw an insane number and it's nothing beneficial. You have $60,000 of bad debt. You have negative money. You don't just not have money. You have negative money. So I don't know what the f*** we're talking about. But we were able to pay everything before. You put it on credit. Credit.

We did cash flow in a firm sometimes, maybe. Okay. But when they got here, the thing was more than 80% was paid. So I told her, like, look, if you really want to bring them, we need to work. I need you to do extra hours and everything so we can bring them. And that's the only way. And let me guess, she did it. No, she did. She was, like, working a lot and she bring good money.

But, and then after they came, we just came back to the same thing and it was a lot. It was very expensive and I feel bad because...

We took them also in Atlanta so they know where we live and everything. And I bring my mom, but my mom paid for her stuff. Wow, an adult. But when it comes to food, my wife was feeling bad because we were paying for her parents. And she's like, look. What the fuck? Okay, cool. Awesome. Yeah, she's getting Caffeine Army, Cappuccino on this right now. That's good. That helped me so much with my work. Yeah, you're affirming it and paying interest on it. I didn't know about that. Well, guess why you are? Because you guys don't talk. No, no, no, no.

It's not even about not talking. It's that you guys just go do things. You just do things without the other person even knowing. When I tell her, look, buy this and...

For f***'s sake. Yeah, and... What? It's just very... About the vacation was everything very expensive. And I didn't... How much? How much did you guys spend? Just to fly for $5,000. The round trip. Because... How much did you guys spend in total? Around $14,000, $16,000. Oh, for f***'s sake.

Because we have to buy Magic Kingdom, like four tickets. The Animal Kingdom, four tickets as well. And then the extra stuff, Airbnb, the car rental and food. And then we have to pay also for the tickets to go to Atlanta. And then we have to pay the tickets to go to Orlando again so they can get the flight and go back. It will separate.

And because we live in an apartment, one bedroom, we had to rent, we had to get a hotel for them and we had to pay for that. But it was not like that with the first agreement. The agreement was them pay for their hotel and pay for their food. Oh my gosh, then why the f***?

They spend everything home. Well, then why would you allow it? I didn't know about that. No, but then you supported it by you spending your own money. I'm going to make them go back? Yeah. I can't. You're adults. You're adults. You can have a conversation, can't you? Well, you can't even have a conversation with your wife, so...

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finally take control of your financial future or don't and you can end up right here they're gonna say well i don't have money for food i'm gonna just eat in front of them like oh yes this is so good and you cannot pay for it when you spend 14 000 hours and you have no money and yep uh yep yep i was surprised that we were able to pay for that

I'm very surprised. And then I talk afterwards with my wife, like, if we could do that money, why we're not doing to pay our stuff? Well, yeah, that's what the fuck I'm saying. There's no $600 on a firm with a $26.52 minimum monthly payment, which is stupid, which means interest is accruing. At least I think it's

Is fee on that? There's a lot of fee on that? Yeah, you get interest. Oh, for f*** sake. Okay, this is a different Affirm loan. Okay, so I have a feeling we're about to go through a few Affirms here. Here's another Affirm. $318.89. This is for solid wood detail. What? For f*** sake, man. It's like a furniture, maybe?

No, it's on me. It might be furniture because I know we bought like two furnitures on our new apartment and...

It might be that. I didn't know how the price was when I saw it. And I'm like, oh, this is expensive. We're still paying for that. New apartment? The big house? Or after the f***ing big house? After the big house. Great. So every time we move, every second of our lives, we have to refresh our entire, entire f***ing furniture package of the house? Yes. Not everything. Yeah, great. But like some spots that you're like, oh, something right here can go, something right there can go. And we just buy it because it's going to be looking good. And there's an apartment now that I told her we're not going to move for at least five years now. Yeah, bulls***.

But, yes. Why, are you moving? No.

Ish. I don't know yet. What is no ish? Because my mom today lived with my sister. Cool. October, my sister is going to New York. Proud of her. And then my mom's going to be alone. Is your mom incapable of anything? Well, she has a heart problem. She had to go to surgery. Is she a citizen? She had a green card. She will be a citizen in a couple of years. I mean, she'll receive some kind of disability, right?

Because of her... No. Well, she can't work because of her heart. No, no, she does work. But she's not very... So what's the problem? Living alone. Like, I'm scared that she can't, you know, do something and just die or something like that. Okay, how bad is it? It is kind of bad. It's not as bad now because she did the surgery and before we lived together, but it didn't work at all. Why? I think my mom have kind of... I don't say if it's jealousy. It's not jealousy. She...

It's weird for my mom knowing that I'm married because I've always been her baby.

Does that make sense? So she was kind of competed with my wife, like who gave me more attention. And after not getting attention to her or my wife, they both don't live with her. Then she sounds like a frat. Well, that's what I'm doing now. Like I put my feet and I'm saying that I'm cannot live with you. And I know right now I cannot afford to help her. But I told her that I could. What's her job? Why did you tell her you could? Because I don't want her to live with me.

My wife and my mom, they don't get along at all. Yeah, sounds like it. Sounds like they're both kind of... I don't know why. Because they're both...

Sounds like. Sounds like. My mom, she, well, we have cameras at home, so we caught her talking about my wife, though. So that's where we stay. What did she say? Well, when she, well, let's say if she's tired one day and she doesn't do food, my wife just stays sleeping or something like that. She tells my sister that doesn't have any respect for me, just go in my house and do whatever she wants and talk straight about me and my wife.

Saying like, oh yeah, when she's tired, she doesn't do food for us. That kind of stuff. And I got very mad because my wife is... It's not her job. My mom was the one not working back then. So my mom can easily do the food and everything. Yeah, you guys can't live together. I mean, it's just not a sane household. So we talked a couple weeks ago and I told her like, look, I don't want you. I'm like, you know how the hell we've been through living together and I bet you don't want to do that again. And then my wife also doesn't want to live with her. But I...

She said like, if we live, it has to be like the same conditions the last time we had to move in a bigger house. I'm like, no. Stop moving. Listen,

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listen it's you're paying off furniture from two places ago and your current place go off you're not moving i don't care all my sister's fault because okay so you can't take responsibility for i can i can but it was not supposed to be used furniture you did not need to do what you did man

You know, it makes my wife happy. It makes me happy to see the house looking nice. Yeah, it feels real nice when we have all these minimum payments and we can't afford to survive and we're paying six. What's your retirement at? Nothing. F*** you. Nothing. That happiness doesn't really exist. Yeah. Yeah. After watching the show that I kind of figure out that I need to do something and realize that. Well, what have you done then?

What do you mean? What have you done? After watching the show, I realized I have something I got to do. I tried to talk with my wife about doing a budget or something. Maybe you guys aren't compatible. If you can't even have a conversation. She's just very...

she doesn't face too much stuff and she always walked away like yeah maybe you guys aren't compatible or maybe she can't be the one that's even looking at finances maybe you just have to control it she just has to accept it i was like when we got married i was the one who was controlling everything and then i got this job and then i'm like look i don't i don't have time to look if i'm paying for this and all you have to do is use literally a budget again not the fucking

a f***ing plug, but my goodness, it's like, it's the easiest f***ing thing in the world. It's the easiest f***ing thing in the world. You just connect it to your account and you don't have to budget. It's there. Review it on a monthly basis so you know how to adjust it for the next month. But it literally just tells you. And I mean, when you have credit card, man, it's just nice to spit everything. Like, like,

And because in Brazil we have credit cards, but it's different. We don't have credit. Then you're obviously not a credit card person. Like, listen, if it's all of a sudden, oh, I got all the credit, let me... Whatever you said. Then you can't f***ing use credit cards. You're not mature enough to have access to a credit line. You're not. I think I'm today if I'm starting for zero. $16,000 made $10,000. F*** you.

That's incorrect. I have no idea about that. It's incorrect. And even if you have it, then she'll use it. Even if you're being the responsible one, then she won't be. At least from what I'm hearing in this conversation. It was a lot not putting my saying no. I was always like, yes, yes, we can do this. How the f*** do you have a better beard than me? Testosterone.

It's interesting. To use that little, you know, that little, it's like a roller with some thing. That helped me a lot. What the fuck are you talking about? It's like a little roll that you pass on your face and open your... And it worked? It worked. Or did the testosterone work? No, no, it worked. I have like just a little bit like right here, a little bit right here and just right here. So I started to using that like for six months and everything just grow.

And I only have three years in testosterone, so it's pretty good. Yeah, you need some stuff right here. Yeah, I got some patches. Okay? I got some patches. That would be nice. Karna, you owe $289.06 with $79.71 on a monthly basis. Yeah, and I didn't know my wife. For Frontier Wayfair and Walmart. Oh, another I didn't know my wife. So three times in a row, I don't know my wife. Okay. Yeah, this marriage is going so well. Because sometimes we are very lazy.

To go to the market and she goes to work there all the time. She's like, well, if you're not going with me, let's just do a pickup. But I thought that the pickup was always on debit. And I really, really started looking everything again since November last year. So I didn't have too much idea because I didn't have time. Like sometimes I go to work at 7 a.m. and I'm coming back 1 a.m.

And I have to be up again the next day. Well, she can't be lazy. If she's taking all this time off during the day, she needs to go to the grocery store. She already picks up groceries for other people. She can do it herself. But I say to her, like, you're already there. Why you don't do it? She's like, well, you're not here with me and, you know, blah, blah, blah. What? Make a list. We're adults.

Yeah. What does it matter if you're there? We tried to do list, but she want me to be there as well. Oh my gosh. What is she incapable of surviving? I should just like had to me around. And when I'm around, I get more stuff. No, that's likes too. And that's fine. That's fun. Still got to do the basics. Yeah. When we don't get what we like.

But I don't like to go because I kind of, I always say, oh yeah. How are you guys surviving together? Just take like the more expensive because it's going to be better or let's take two of those because then you don't have to come do a lot of trips and everything.

So I tried, you know, like sometimes she likes for me to go, sometimes she just took the pickup and not say. And I always ask like, hey, if the pickup has some, the grocery more expensive, they make more. It's like, no, just if you deliver, I'm picking up. So it's not that expensive. Okay. Well, I don't want to fix that. It's not, I'm not talking to her. I'm talking to you. And that's the other thing. I wish she was here because she will,

Well, why isn't she? She's shy. She's very shy. Like, she's very, very shy. Like, I don't have any pictures with her. Almost, almost, I don't have any pictures with my wife. It's a little weird. Okay. This is another Clara. Wait, what am I looking at? This is endless. You had Lighting Lane. This is another, this is a new Walmart one. This is $33. I'm not even going to put that down. For Disney, right? Yeah.

I don't know. You tell me. I think the thing that you don't have to be on the line, and then you just jump because our parents are plus 60, so they will not be too much waiting on the line. I see PayPal, but I can't even see what's owed on it. What's owed on PayPal? I see lots of purchases on PayPal. Nintendo, Hulu, Best Buy. What's owed? I don't know. Or is this a PayPal checking account?

I don't know. Do you owe money? How do you? Buddy, I cannot help you if you can't tell me. But the thing is, I just know about this. It's PayPal paying for. I don't know what you currently owe. When I applied to the show, I had to get my wife phone when she was sleeping to pick everything. Like to get all her stuff. Why? Because she wouldn't do it. She's here though. She is.

So what the f***? Why? Why is she not willing to change? She is willing to change, but I think she expects me to do it. That's impossible. If you don't even know what her spending is, you can't fix that. That doesn't make sense. We had three accounts in a row where it's like, yeah, that's secret, my wife. What? She's not doing it behind my back. I just thought that she was doing it on the debit card. But even still, that is behind your back.

I don't think so. That's behind my back, but she's still saying I'm buying this and that but I just thought it was a big debit. Okay. And that's one of the things that I'm very like you say we're not compatible, but we are very compatible like we are. Wife? Mom? Yeah, she sent money for her parents in Brazil. Special bonus document?

That's a what is this she sent money to her parents in Brazil You don't have money yeah, but they need help sometimes They need help sometimes I get that but you you help oh my gosh, I like I don't know what to do because I

And I'm very- YEAH BUT STOP! I don't even hear things! You need to hear this. STOP! You need to hear this. Oh my f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***ing f***

Her parents. Just trying to think for a second, but okay. Her parents live with her older brother. He's 34. He do a very good money, but he doesn't help at all. Okay. Then your mom, then your wife needs to stop. That's what I told her. Okay. What the am I doing here? Cause I'm talking to you. Yeah.

I want you to, you know, I don't want you to agree with me saying that she needs another job or something like that. She needs to stop spending this. Sending it. Like it's hundreds a month. And I didn't know. You didn't know about this either. No, that's an app. That's a different app that you have to spend. What? She was hiding this? She was never hiding. She's like, oh, I'm going to say. Did she tell you? Yes, but no. The dollar amount. No. Then it's hiding.

I just thought it would be $100 per month. No. When I got her phone secretly and I had to go through all of that because I went to her conversation with her mom just to see the screenshot that she sent like, hey, mom, I sent this, I sent that. And then I find out what kind of app that she was using. What do you want me to do? Hey, guys, always ask me, Caleb, what do you invest in? Honestly.

I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon this social investing app called Blossom and thought, all right,

let's give it a try and it turns out it's actually really cool and to be clear they're not a brokerage blossom is a completely free social media platform they're not your typical investing app it's social meaning you can follow exactly what i'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors there's no guessing games just clear transparency so if you're curious about how i'm investing or just

want to get smarter with your money, download Blossom right now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today. I need your help to go through all of this.

I need your help to make a budget and to pay all of that and put my... And of course, when I do that, I will feel my life will get more together. You know, that's what I need. I really need her to understand that we are not in a good position right now, like we were in the past.

And I think the only thing is right now is she's kind of see that we are not going too well, but she expect too much on my back. I feel I have a lot of pressure on my back. What the fuck do you want me to fucking do? Is this an event sesh? Like, okay, cool. Talk to her, dude. Like, I don't know. We try. Then you guys are incompatible. Leave.

No. Then what do you work? What is... After here, maybe, you know, this is the budget we have to do. So we had to work like this. Or maybe if you get another job or if you work on your resume and I get another job. But I told her I cannot get another job because even if I get paid late, I still get that amount of money. But we just had to work around that. But she does like...

Maybe last year, $30,000. And then that's the only thing that I know. And then I put it like, I do the math. Yes, the math adds up. That's what you guys made last month. I don't know, dude. Delta Sky Miles Gold Card. I mean, this is an insane balance. This is the thick balance so far. $3,898.02. Yeah, that's mine. Yeah. Okay. So maybe it's not all your wife, you little tit. But it's us together. It's not her. Well, you just said...

It's her to be not changing jobs and understanding my side and maybe help me. But it's not, you know, her fault. I cannot spend $3,000 by myself, I think. It's both of us. You bullshit.

You don't think you can spend $3,000? By myself? With what? Like, they don't want to feed their baby. You could go get a nice TV. Like, this is, you could spend $3,000 like this if you want to. What the f*** are you talking about? Yeah, now you're saying TV, it makes sense because I do get a, I got a big TV. Well, there you go. Yeah, like, like I said, I once, I never, ever, ever have a, a power. Hey, how long does this take to pay off?

Minimum monthly payments only without purchasing on it. Which, by the way, you're basically the credit limit, so I know you're incapable of. Three, four years? Three, four years. Yeah, 14. Yeah, 14 years. Yeah, 14 years and no more retirement, no compound growth, no anything. Yeah, three years. No, 14. 14. You are a fast mover. Please have a seat right there. That's a lot.

Yeah, it's a lot. You're going to be in your mid-40s. Yeah, I'd say it's a lot. I think there's a lot of feeders as well because when we were putting the cash together to bring her parents here, we had to stop paying that. I stopped paying the credit card. Well, then obviously you couldn't afford to do that, dude. It is as simple as that. I'm sorry. Listen, I understand why you did it. It is something I would have tried to make work. You couldn't. That is that. If you couldn't pay your fucking bills, you can't do that.

But she... Oh, my gosh. But you. But yeah, but I mean... Oh, my gosh, dude. But after that, we were like, look, we had to work more. We had to do this. I'm starting to get annoyed. And then my boss started to give me day offs because he was kind of knowing that he would not be able to pay me the full day and everything. So that really, really... You need a new job. Yes. Okay. Congratulations. We've learned this. $103.74 of interest accrued in one month alone.

You're gonna lose 1200 bucks on that in one year. It's a 30% interest. Like a thousand and two hundred dollars? Yeah! And fees? Not, well, interest. Interest, specifically. That is a fee, right? The way you think about fees, yes. The way you've used the word fee, sure. But a literal fee, no. But... And then on top of that, do you have more fee? If you don't pay on time...

So if you bring them again and you decide not to pay, then yes. I'm not doing that. Okay. $1,013 on this...

Blue Cash Everyday card. What's up with this card? Well, that one is I had to pay like tires and oil. Because you didn't have an emergency fund. Because we haven't been responsible once with our money. Because also, by the way, you purchased $30 on here this last month. I mean, you're still purchasing. You're purchasing plus interest accruing. Your balance went up. Your balance went up. Oh, we're over the credit limit.

Yeah. Yeah, it's all her fault, right? No. All her fault, yeah? All her fault. Above the credit limit. That's mine. Yeah, yeah. This is what happens when someone brings someone on the show and they're not able to... Like, you guys didn't come on together. You came on. It's just like, oh, I'm the good one. I'm the good one. It's all her. It's all her. It's all her. No, f*** you. Look at this. You're above a credit limit. But it's us together. I don't... What do you mean? Oh, let's find out. It's us together, so... What? This? Cash app? Cash app? Cash app?

That's what it says. It was cash app, $30.90. Probably to pay something. I don't remember. Probably to pay something. I would think so. Does it say how much your cash app is? $30.90. I was about to say if it's a tip for someone, but that's too much for a tip maybe. Depends on what it is or how. It might be tip because the only thing that we use VIMO or cash app is for tips.

And you do it on a credit card? I remember someone needed gas on a gas station and they asked me for... So you go above the credit limit. They asked you, so you did it. It wasn't you both, it was you. You did this. F*** you. It is you too.

Yeah, it's both. I'm not saying it's on her. It is both. Sure, but you've only put everything so far on her. This one, this one, being over the credit limit is you. I just put it on her. No, this one on this credit limit is you. You, this one, this one. The $32, yeah, was me. Yes, the above credit limit credit card is you. Okay. But. Oh, my fuck.

Oh my goodness. Oh my f***. What do you want? I'm going to f***ing punch the beard right off your face. What are you talking about? I do understand that 32 cash app, whatever, okay, was over the limit. But we had to use it because I didn't have money to fix my car to go back to work. F*** you. You didn't have to send money to someone for their own gas. I felt bad. Yeah, but you didn't have to. But I felt bad. Congratulations. You're like, we're all tired. Yes, a little empathy. I love it. We all...

we all love it. It puts you above a credit card limit. You will never have a chance to retire. You'll never have a chance to be successful in this country. You will never have that chance. If you keep putting that over, listen, help everyone, help everyone. But the best way to, Hey, no, don't open your mouth. I don't want to hear it. The best way to help others is for you to be in a financially sound place because then you're able to help others forever instead of

Barely being able to help people now. I get it. Do you? I do get it. Of course it makes sense. Then why the f*** don't you do that? Because I think because the way I was raised, we didn't have money. I was sleeping on the floor and whatever, blah, blah, blah. All of that in Brazil, we don't have money for anything. So when I see a family that needs gas to go home. Yes, there's your heart. Congratulations. I'm not against the heart. I'm against the dumb assery.

But even, I can't say no. Even if I put it on a credit card and just see that's my kid. How about that? How about that butt? That's a good butt. But fuck you. Watery bottle. You just can't afford it. You're above a credit card limit on there. I love the empathy. We give, we give, we give, we give, we give. But the best way to do that is by being in a financially sound place so you're able to give forever instead of just putting yourself over the credit limit. Now you can't anymore. You prepare yourself. You live a better life.

Dude, you're ruining it. You're ruining it. You're ruining it. You want to get rid of the tits? Good luck. I don't know how you can afford that. You're over the f***ing credit limit. You're just f***ing it. $35,000 is how we started this conversation? Wanting $35,000? $35,000? What? For the eggs and for the boobas.

Eggs? Oh, oh, okay. Yeah, yeah. That's what I need. I wanted to say eggs. I didn't like over it or something like that. Yep, yep. That's what I really might go in the next two years, maybe. Yeah, well, you're not meeting. They're not even close. You'll never get there. You'll never get there. You'll never get there. That's why I'm here, just so I can get there. That's why I'm there. Oh, that's why you're here. Yeah. There's a catchphrase. $883.32 with a $23 minimum monthly payment on this. Another blue cash?

We have two blue caches. One is mine, one is hers. Congratulations, you're the one over the credit limit. She's not. Your minimum fee payment is $106.

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I didn't write it down. And she didn't purchase. She didn't purchase. Because you did. Or you did. You did. You.

Well, there's not a way to see if it's mine or hers. Maybe that one is mine and that one, the other one is hers. And I'm just confused. You don't know who the f*** has what balances? No. Oh, good. Yeah, the one who's going to be financially responsibly running the house. I was 2021, 2022. Yeah, maybe bring that back. Let's see.

I was very good with that, to be honest. Yeah, you used the same f***ing skills. Did you lose them? Or have you become f***ed? Like, what's happened? It's just because I think what I put in my head, I'm like, oh, I'm doing so much money right now. I can do this. I can do that. I can pay for this. I can pay for that. And all those credit cards was coming on the mail. I'm like, oh, yeah, my credit is good. And let's do this and that. And soon when she got her papers, she applied for credit cards. And then...

You know, everything just went for there. There are vacations. Like, oh, yeah, we're going to do a vacation. Let's do a new credit card and put everything there. Like, 2023, we went to Orlando, and that's where I had to go. So it's a different trip? Yeah. Yeah. We're going to Orlando. Disney? Orlando. Universal? Yeah. How much did that cost, that trip? I have no idea. I just put everything on a credit card. It was supposed to be less, but when I got home and I saw the credit card, I was like, oh, okay.

because we had to rent car and then hotels and the tickets and then this. I don't know how you guys have made it this far. Well done making it this far. Interest is accruing on this like crazy, of course, and blah, blah, blah. It's all. I got to continue. There's so much paperwork here. What? I heard you open your mouth. What? No, I was just saying that a lot of credit cards there. It's my little treat that I like.

To eat chocolate. I'm a big chocolate eater. We have 60,000 hours of chocolate debt? It's not 60,000, but at least, I don't know the math on top of my head, but I am a person that I need at least 6 or 7, 10 bars of Hershey's per day. What? Yeah. I will wake up 3 in the morning, go to the gas station and buy 3 bars of Hershey's. What the fuck? Is this my strange addiction? What show am I on right now?

are you talking about? Why Hershey's out of all chocolate? It's like the worst. It's not. It's the best one. What? Yeah, it's the best. It is objectively the worst. We had like a blind chocolate taste test in our membership.

Yeah, it was the worst. And that one, people pick up that one the worst? Yeah, because it's the worst. What was the best one? I remember, but not Hershey's. No, the Hershey's is the good. There were three that were better than Hershey's. Hershey's is not good. I like them. Hershey's are not good. Yep, the king size, they're better. And I have a little thing that... Because there's more, sure. You know, one thing that I explained to my wife and she thinks I'm crazy because of it.

Hershey's is only bad if they are about to expire the next seven months. The f*** are you talking about? It is crazy. Okay. So look when that expires. I'm assuming they got this for you, but you probably don't f***ing need it. I obviously don't need it either, but... If you look at the expiry date, it will not melt on your mouth if it's about 6% It's not melting, it's probably barely even chocolate.

I'm being for real. You have to buy the Hershey's that is about to expire in one year. Like, I go gas station... Dude, this is shitty chocolate. Because you probably... Look at me. I eat everything. Look. Look where it expired. If it's not saying, like, 2026, it's bad. I hopped to gas station to gas station to find the new ones. Dude, you're weird. I mean, it has... It's a lot of ingredients for just chocolate. I never see that, so I...

Like, this is not that good as far as chocolate goes. Now, since it's the only thing in front of me. But again, when is gun inspired? When? Just see it. I'm looking! I'm looking! You don't shut up! You're not looking right. Okay, where would I find it? Hershey's Expert. Yeah, yeah, right there. Yep. Open and trying to see if that guy's kind of blackish. He does know where it is. 2026. 2-2026. Oh, that's a good one.

And it still tastes like s***. No, it doesn't. My bad, that doesn't. Open your mouth. Almost. It touched your tongue. Thank you. Capital One. This is a good one. Oh, it's melting in my mouth. It's chocolate. Chocolate melts in my mouth. No. I think it would be bad if it doesn't. If you buy Tic Tac, Tic Tac? Tic Tac? Tic Tac's not chocolate. It kind of is. It's not good, though. It's not kind of chocolate. It doesn't melt. It's not chocolate. It is, it does.

No, it doesn't. Wait, what the f*** are we comparing Hershey's to Tic Tacs? Kit Kat. Yeah. Well, there's f***ing bread in it. Nah. That's probably bad, but Reese's is my second one, so. But I also have to buy Always is Gonna Expire the next year. Yeah, Reese's is good. I love Reese's. Yes, I called wafers bread. Okay. Capital One.

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Your future starts right now and Course Careers is here to help you shape it. $804.41 with a $30 minimum monthly payment. What's going on with this? What is the balance on that one? Oh my f***, I just said it. $804.41. That's probably hers. Okay, so what's going on? Do you not know then because it's hers? I mean, I don't really. Um.

I always thought that she was paying her credit card, at least the minimum payment. She is. She is. Nope. She lives on Amazon. She loves Amazon. So when I was living with my mom. I haven't even seen Amazon purchase it.

I was seeing everyday packages like stuck and stuck and like building, building everything. I'm sorry. Building, building. Like in front of my house, I'm like, hey, why do you need this? Why do you need that? Why are you buying this? Why are you buying that? For an example, she loves sweaters. And to go to Georgia, okay. She likes it. Especially when it's, you know, kind of chilly and everything. But it does get chilly in Georgia. Can I ask a question? Yeah. Is she fat? No. Okay. Okay.

Us fat people like sweaters. It makes us look better. But she's shy. It's too hot in here. You think it's hot in here right now? I'm cold. No, Austin. Oh, okay. It was cold last night. Just in general. But, so she does a lot of like small purchase on very cheap stuff that can break and then she would still buy it. Like sweaters. She likes to buy like the cheaper ones to go to work. But she was buying every other week because when you go and wash them, they kind of like go small. Yeah.

because they are very bad. And I'm like, look, instead of you paying like $15, $17 for three or four every two or three weeks, just go and buy like a new, like a good one, a good brand. And then I will not shrink when you're- This is not my biggest concern. I mean, we'll see. There were no purchases in there. Your capital one. Mine. Right? Platinum? Yep. Might be. Okay. Well, she learned how to send a statement and you learned how to send a screenshot. Yeah.

Oh, no, it's hers. Okay, so my statement, it's mine, and hers is screenshot. What's the minimum to payment? 88 bucks. Okay. And that's what I screenshotted because I didn't know too much how to... 578 dollars and 28 cents owed. Everything there was mine. This is f***ing thick! What? This is f***ing thick!

Apple oh, yeah, that's the force. They are the worst one. They have the worst interest. Maybe don't do it You did it dude. Listen, you're not a credit card person. I mean, I just thought it was nice Oh, so the Apple mind side Apple was and this was when my dad passed away So I had to run to Brazil and put it on an Apple card. I didn't have money savings. Oh Okay, $53 minimum with the payment listen when

When? So this was 2020. It takes 20 years to pay off. Oh, shit. So that was 2020 when my dad passed away. And after our... His balance has been that high for four years. It's more fee. There's more fee. Yeah, interest. But still, if you're making your minimum payment, it still goes down. But I stopped doing that. You stopped making your payment? Because I needed to save money for a vacation. That's how this works.

Dick! That's not how this works! That's the only thing I have, you know, like, that's the only thing I told my wife. Like, look, this year's gonna be this. After we bring your dad, we have to, your mom, we have to stop sending money to them. So we stopped sending money to him, but it's always like, oh... I just went through a statement. Remember? Remember a couple statements ago? The secret little statement that Jake brought out? Remember that? No! Money has not been stopped being sent! I thought it was.

Because you guys are great. She also paid her mom credit card and I didn't even pay

even paying your own barely. I think people in Brazil think because we live here and then they think we have a lot of money, but that is not true. Americans do have a lot of money, but we have a lot of spending, but that spending part is a choice. Cost of living is higher. That's less of a choice, but still, we do have more margin here. We still do have more margin here. Listen, you can break down most of the top countries. You break down Germany. You break down Canada. You break down the United Kingdom. You break down France. You break down the United States.

They have a lot of things, right? They have a lot of things that are a little higher taxes, but they don't have to take care of health care or health insurance. They don't have to take care of all this stuff. So you think, okay, maybe Americans have a lot of money, but it has to go towards all this stuff. So if you break it down on a mathematical median percentage-wise, we still have more money left over after all expenses, even after all taxes, after all expenses, than everyone – well, there's obviously some smaller countries that have crazy incomes, but –

We have more money left over than our competitor countries. So we are known for having more money. And they are correct in that. We have more money net left over. But you chose to go to Universal and spend you don't even know how much money. You've chosen to f*** around. You guys chose to stack Amazon boxes to the rooftop. That was your choice. Are they entitled to your money? No. But you chose to blow all the money.

I did feel good at the time. No f***ing s***. I did feel good. Just like your f***ing 3 a.m. candy bar. Like, yes, no s***. Why don't you just buy in bulk instead of going at 3 a.m.? That's so weird. Because then I eat more. Oh my gosh. So you have no self-control? About chocolate, no. I don't. I really don't. Of the f***ing chocolate? That's not s***. It is s***. I mean, if I do Brazilian chocolate, it's way more better. Like, do it at home.

But... But, buddy, we have endless chocolate here. Man, I don't know. You can fucking get European chocolate here, and it's great. It might be more expensive, too. Yeah, it might be, but at least it's not shit. You're gonna still spend, knowing you. I love it. They want me to give you another piece, but you don't deserve it. I do. You've not been good. I've been a good boy. Yeah, I've been, too. Okay. Yeah. Let's not say that. Let's not say that.

Okay, truest. What's up with this one? Is that a credit card or... It's a credit card. Because we have our bank, so our bank is truest as well, so I don't know. Okay. So that is mine.

Okay, well you're only $145. I don't know why the f*** we're not paying that off with your strong income. It must pay off. You only make your minimum to payment. $20 minimum to payment. It might be... Interest charge $3.73. What is up with this? Why is it not just paid off? I put auto paid, so just a paid minimum. Sure, but why not just pay it off? You make the money! I've seen that much in spending so far. Minimum. And I know we have yet to get to the spending because...

Because I always think if I do pay it off for everything, I will need the extra money to pay one of our actual bills, like the bills that we have to live. What the f*** is your rent? $17,000. Okay, so you have plenty left over. So f*** you, what bills? I'm just afraid not to get paid or she's not doing that much. Yes, you need to have stuff money aside because if you're going to stay there, you need to have a chunky emergency fund.

You've been there for four years. Maybe you'd be an adult. My gosh. We never talk about that. That's bad. Yep.

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And the bad things of being a family of Brazilian that they do kids to take care of them. And right now, we're kind of... It's f***ing stupid. It is. We realized that because my mom... So I don't give a f***. Congratulations, you're here. Yeah. You don't have to. We don't have to now. Huh? Not right now, but before we... Like, because when my dad passed away, I was 100% helping my mom in Brazil.

A hundred percent. And I would do the same thing. It's the entitlement to everything. She's just working right now after 20 years because my dad was a type of guy that, oh yeah, a woman doesn't work and all of that. I'm the man and blah, blah, blah. But my dad was not a great guy with money as well. Very, very bad decisions that made us going to sleeping on the floor and my mom making me go bed hungry when I, bed early. I get it. I get it. I ask you why you haven't paid $143 to sleep.

I don't know when we ended up with sleeping on the floor for the fourth time. I get it. That's sad. I do empathize with that. Why the f*** haven't you... Why not prevent having to sleep on the floor again? How about we do that? Okay, so when I thought, and this is kind of dumb. Right now it's dumb. After, you know, being here and watching your show. I thought when you make the minimum payment, there's no fee on that or interest in fee. What? Because in Brazil it's like that.

And I know this is not Brazil. You've been here for a long time. Yeah, but I always pay my stuff off. But I'm like, okay, let me just put it on before marriage. Before. You've been married for five years. Yeah, I've been here for ten. Nine. So this excuse holds no fucking weight. And I only had a credit card the first time because my sister told me it was a good idea to do the credit one. I mean, you just blow past what I say. IRS. Yeah, here it is.

Yeah, we saw this coming. That's that. $13,290.68. Last week, we just saw that if we own X amount of R.E.R.S., my wife can not be a citizen. Maybe. Well, yeah. Honestly, fair.

Yeah, of course. Pay your fucking taxes. I'm paying monthly. I'm paying them. You're paying your past taxes. Yeah. You're negative. You have no money. You spend more than you make. There's no way you're paying for your 2024 taxes. Good luck. So no, you're not paying for your taxes. Yeah, I'm scared about that too because...

Again, we didn't put any money on side and um, yeah, and you still don't I did it It's not we didn't it's you don't you do not it isn't past tense. It is present. It's hard. Okay, it's hard It's very yeah, it's hard when you can spend 14,000 hours and you make time. Yeah It's 8,000 345 from 2022 and then 4,954 from 2023 Okay

Crew failure to pay penalty. Are you f***ing kidding me? What's your monthly damn payment? Only $140, $150. Yeah, let's allow that interest to accrue even more. I'm going to mark it as $150.

Stupid dude. Why allow the interest to accrue even more? I didn't know it was... I thought it was a one-plan thing. Huh? I thought it was a one-plan thing. What? If I own $5,000 and... You can pay more. I know, but I thought... So why... I didn't know there's fees if I just paid the minimum. Buddy, you've been here for so long. All you have to do is look at one statement ever. Do one Google search ever. Well, no... I never did that. No...

That's what I'm saying, dude. You're copying what I'm saying. Okay, Kia Forte. Yeah, that's a bad decision. Has there been one good decision in here so far? I don't think so. That was the worst one. Less than paying our taxes? Preventing us from potentially being able to stay in this country? No, I think that would be the worst.

Well, that car, I only had to buy them to work. Because I had a Corolla, it was paid off and everything, but I got in an accident that for some reason... Do you have an LLC? Do you have a business? No. You don't even have a fucking business? I try to talk with my boss like, hey, do you think it's a good idea? He'd say no. Your boss is like borderline actually stupid. He doesn't pay you on time. You trust a guy that doesn't pay you on time. I trusted him until last year. Oh my... Dude, I'm stupid because of that. Yes. Yeah, I know. But...

And he promised me like, Hey, if you bought this business expense and it's actually accurate as a business expense, there's things you'd work with your CPA dramatically. She doesn't do anything. Do you have no agency? Are you incapable of doing anything? Like you just say like, no one's willing to help. You're not willing to have a conversation. Nothing. Everything is out of your control. Apparently. Bad happened to me. I do it about it.

I will never understand this lack of fucking effort. I just thought it was normal that that's the only thing that we had to do because I trusted her and she looked more professional than me. Why don't you trust people? If you don't have that education, you just have to trust. None of us have that education. It is a very small minority that have financial education. None of us. I didn't. They didn't. Your wife didn't.

no one that I work with, as far as I know, had any financial education. We learned it because we put in the effort. So I tried, like last year, I tried to...

Asked me about like, hey, do you think it's a good idea to do an LLC with my condition? And I work with this and I put all my stuff over there. And even that was kind of the same thing being a 1099. So I'm like, why am I going to do an LLC if I'm not going to be with this guy? Well, it helps with organization. It is the pass-through. An LLC is a pass-through. I have no idea what is that. Okay. Okay.

I have no idea. That's the least of my concerns right now. I'm just like, listen, you owe $479 on this. What's the car worth? $6,000, I think. Because that car today in Atlanta is one of the most people rob there. So after a couple months when I bought it, I got this letter from Progressive saying like, hey, we're going to raise your interest. It's worth about $10,000. It's worth what you owe.

As far as we can tell. But I bought it from Carvana. And when I do like my little... That's a bad decision. When I do like put in all my information, put the miles and everything, they say like it's worth $6,000. That's what they want it for so they can sell it for higher. Carvana. We put in your VIN and the information. We got $10,000.

Well, it's someone, we got in an accident. Yeah. Two accidents in one week. But did you tell us that information so we put it in? We put in the information you gave us and we have $10,699 private sale. I didn't know about that. I don't know about anything because you won't look. I look on Carvana, like the place that I bought and they say that. Carvana is a fucking...

machine that buys your car for way under value so it can sell it for over value honestly but is that like all dealer do like they're gonna pay you cars yeah but carvana that's an entire business model well knowing that okay what's it as well as fargo it's another car what's this car um what is it what yes what is this car chr toyota um year 2021 you guys got cars that you probably could not afford

That was a 9% interest rate. What was the interest rate on the last one? 20 something, I think. No. No. No. No. Yes, maybe. I don't know. I'm just saying, kill me. On the Kia, 20 something percent interest? Yeah. Yeah. What are we doing? I didn't have it. Oh, man. Then you don't.

- But then how am I gonna work? - Huh? - How am I gonna work? I need that car. And when I tried to like- - What did you buy it for? - What? - Price. 20... - Yeah, you didn't need a $20,000 car. - Something. - You didn't need a $20,000 car. - But it was 2022. - Don't butt. Don't butt. - But it was so expensive and everything. - It was really hard, but you put in the extra effort, man. 'Cause I assume, listen, when everyone complains about it was the car market. Yes, that is accurate. - I made a good bill payment. - But also then I just asked them

And then they tell me they go to one dealership. And I'm just like, okay. Well, then, yeah, you f***ing deserve it. Listen, on this stupid-ass f***ing 9% car, $13,663.14 is owed with a minimum monthly payment of $539.53. She has a higher minimum payment balance than you, even though she makes less money. At least we never are late on that. Okay. Congratulations. Bare minimum effort. Yep.

At least. Does Apple Card, does she have an additional Apple Card? She does. Why is he in collections? Because she doesn't pay for many, many years. That was the card that we had to put. That we had to put our down payment for the house. Listen, estimated. When we moved from that big house and we got back to a smaller apartment, we also put everything over there. Oh.

And then when we moved to this apartment in January 2024, we had to move again because three pipes got busted. What are you saying, dude? Just what the f*** are you saying? A lot of moving was on that card because stuff happened. Don't be a f***ing dumbass. We all move.

I've moved once a year my entire life, except for once where I stayed somewhere for two years. I like not to move, but since 2021, we have to. You can do it right. And you make money. It's inconsistent, but you make it. You just budget correctly around that. Oh, is there so much Amazon? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Oh my gosh. And they're also, they're not cheap. They're not cheap.

Do you guys share an account? Yeah, pull it up, pull it up, pull it up, pull it up. Can I pick it up? Yes, please. It's going to be her phone. I don't care. I really want to rest from. Go pee. I'll get your Amazon. Go pee. I have a little tinkle socks, long sleeve workout, high waisted workout or socks hair care.

Cat treats. More cat food. Cat toys. Cat lounge thing. Cat toys. Cat litter. Okay, it all goes to cats. Okay. More clothes. More clothes. More pet things and cat stuff and cat stuff and cat stuff and face stuff and cat stuff and cat stuff and cat stuff. My gosh, this is crazy. Shampoo. Meal prep bowls.

Cat stuff, cat stuff, cat stuff, cat stuff. They really are gays. Okay. My gosh. Probiotics. Bloating. Someone was bloating. Gloves and jackets. But so much cat stuff. I don't think it's 100% needed. Obviously we want. I'll save it. Ladies and gentlemen. I just looked down.

The checking account started with a negative balance and it ended with a negative balance with $9,000 going in and out. What the are we doing here? Push it out! Oh, sherry. I'm not sharing chocolate with a non-hand washer. Why don't you wash your hands? Sit down.

I don't trust that. What the fuck are we starting with negative in our checking account and ending with negative in our checking account? Get right up on that, Mike, because you're quiet. Remember? Yeah. Am I negative in my comment right now? Oh, my. I mean, I know sometimes we might be because I didn't. But you ended and started negative. When I. Oh, my.

You started negative $44.64 and ended negative $33.28. You have fees. Let me guess. That's an overdraft. Has to be. Has to be. But guess what? We went to a steakhouse. Thank goodness we went to a steakhouse. We had to go to a steakhouse. We really had to go to a steakhouse. We wouldn't be able to survive if we didn't go to a steakhouse. Well, if you see the- It's not a thousand dollars. If you see- We didn't get us a bowl-

Donkey Donuts! Lottery? Lottery? It's not mine. Lottery? Probably mine. Yeah, it's probably mine. It wasn't mine. It's probably mine. Because we both like to do that. We're gambling to try to pay for the tit removal? Brazilian Bakery? That checks. But Zelle is from our own account together. What the f***?

But that's when I get my check. You went in and got some bulls**t. Starbucks. Brazilian bakery. Went in and got some bulls**t. Starbucks. I need to eat. Oh my f**k. We need another f**king. Why should I say that's not too horrible? Something that f**king doesn't do. Cleanse. You see, that's why I get chocolate. When I'm nervous like you. Like you're like.

You're nervous because you're a dumb with your money. Well, I'm nervous when I say wrong. Lottery! Lottery! Victoria's Secret! That's for my wife. I got it. It's probably for her. Yeah, of course. I don't use it. I get her stuff. Presents. When she needs new pens, like, we're lining up everything. I want to see her, like, looking nice. The intent is to take them off and

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Anyway, so why does it even f***ing matter? Went in and got some bulls***. Brazilian bakery, Brazilian bakery, Zelenout money, ATM withdrawal, 162, who knows what the f*** that's for. There's the fee. Went in and got some BS. Paradise, Zelenout, Zelenout, Panda Express, Apple bill, Zelenout.

Yeah, I eat a lot on the road. I do meal prep once. I'm working only at the office because they have microwave. But most of the time, I'm two hours away from my house. Oh, those cheeky little producers. We got you something that you f***ing really love to fulfill your addiction and it ain't the chocolate in this case.

We got you a special little scratch-off. Why don't you scratch it? Let's see what you win. Let's see what you win! Oh, here's a little coin. Scratch that! Scratch that! Maybe you can pay for the big ol' surgery. Let's see. You are so fucked. Yes, okay. It's true. It's true. Okay, I don't think there's anything else under there. Starbucks, zone it out! Games of Bullshit! Zone! Panda!

Zell, get into BS. Cloud 9 smoke? That's probably when my mom was smoking. Yeah, she stopped smoking. On your card? Buddy, this is a month ago. She probably, yeah, she stopped like a month ago because she had some surgery. How the f*** does your mom have your debit card? I was with her and she probably didn't have money. Then she Zell or something like that. You didn't have money. But she paid me. Yeah, she paid me back. But my mom, she stopped smoking after all of that. Get into BS. Zell without money. Go.

Brazilian bakery. Yeah, it's very good. Oh, our other checking account only has a dollar in it. Sorry, a dollar and 21 cents, so we better gamble. I don't know why my wife... I mean, she opened that one because she had a choice. My wife, my wife, my wife. Oh, my wife, my wife, my wife. She doesn't use that one. My wife. I think she doesn't use it. This is transfers back and forth. It's not even bullshitting on here. Okay, what do we got?

Okay, this checking account actually has money. Well, it started with $93, but it ended with $1,000. I'm sure that's not normal. Went in and got some BS. What are you going to the store to get? Who's going into the store and getting things? Is this the f***ing Hershey's? We're going and getting Hershey's. It actually gets f***ing me. Going and getting some Hershey's. Going and getting some Hershey's. Brazilian something. Going and getting some Hershey's. Whoa, there's so many purchases on here. Yeah, I use that card for everything. Guys, I have to read these.

Yeah, that's our main account. Restaurant! Amazon! Fashion! Subscription! Netflix! I hate this! Apple! Store! Purchase! I don't even know! Hulu! Rose Brazilian! McDonald's! A little burn! Going in, getting some Hershey's!

Pope Winneges and Hershey's Winneges and Hershey's Shake Shack Hershey's Yeah most of the time I'm not eating I just get Hershey's Yeah Amazon Pear bread Brazilian bake Lottery Shopify Lash tech Who's getting their lashes done every 5 seconds Amazon

Paramount. It's not Lash, but it's just like the cheap ones that probably she goes and buys on Amazon because she used to do her... Oh, Panda Express. Yeah, but... Chocolate. Brazilian bake. Amazon chocolate. Chocolate. Chocolate. Chocolate. I'm trying. Dequeer McDonald's. Amazon. Overdraft. Overdraft.

Chocolate! Chocolate! Amazon Panda Express chocolate! Rocket money. You don't even have to pay for that. You get this. Yeah, I stopped paying that. Overdraft. Dude, this is stupid. You blinked on your fucking wife. No, it's not her. I don't want to hear your voice anymore. I've concluded. It's not her. Lottery twice. Thank fuck.

We go to the lottery on every f***ing account except for the one that she has, by the way. Oh, you're going to talk? Yeah, what are you talking about? What are you going to say? The lottery is both of us, but I know she likes to grumble a little bit.

That's right, you both like to just destroy everything. What? If we win... You're not a credit card person! If you're gonna use a credit card, use a f***ing Fizz card, because it's at least a debit card that builds credit. You can't have access to credit lines. This is so dumb. You're 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15! 15 individual debts! Yeah, that's... Good f***. Let's see if there's even a chance here. $10,788.05 is what came in. Let's see your debt when I'm with you paying this f***.

Just to be clear, I don't want- WHAA! WHAT! It's not- I don't want people to think that I'm blaming only my wife, but I just- Well say what you f***ing wanna say! I just want, you know, maybe if we change- she change um, work, that will be a little bit better. Oh! You f***ing- Like getting maybe a paycheck that only like 15 days or make it a little bit better. Do that minimum of repayment.

You're damn f***ing minimums payments, my guy. Oh my god. $1,853.92. What is your rent one more time? $1,700? $1,700. What about utilities on a monthly basis? Energy, $100. And water comes like $40. That's it? Okay. Internet? It's already included on apartment. $140. Okay. Very good. Gas, both of you.

Maybe $600 per month. Car insurance is both of you? Right now is $450. Phone bill? $270. $66 my mom. So she paid me...

She's paying me very like before the break. Well, that's calculating your f***ing income because we calculated everything that came in. So TP fund, anything else to survive, $200. Groceries, $600. Use the cookbook that comes with the budget nap. Anything medical? Medical on a monthly basis? No, just we have insurance for cats. Gym? $20. Okay. How much for the cats? Insurance? $60 both.

60 each? No, six for both. Six for both, okay. Cat food? 120 per month. Anything else that needs to be in your budget that I have not put in your budget that is necessary for survival? Our car payments. I put all your debt in there. Insurance, car, rental. I'm trying to remember here. I think that would be it.

I know like per month I might need like $5,000 to survive. Maybe. No, buddy. Round up. It is literally by a couple dollars, basically $6,000, but $5,993.92. Okay.

But you still have left over money. There is no reason to be in this debt. And that's why I'm going to just nearly borderline just end this. Let's just call it $4,000. Get $500 of fun. Sure. Sure. $500 to send to people or $500 for fun. It is up to you. But that's what I'll allow. You have $3,500 extra. Choose what to do with that $500. Okay. Great. You have $60,000 of debt. Cool. $3,500.

Good. It's done in 17 months. Dude, this is f***ing nothing. There's no reason to be in this debt. It is listed a year and a half in your honor of the day, and I gave you $500 of fund money, which everyone, everyone who's been on the show wishes they had. Matt! Matt! Matt! You'll have a fully funded emergency fund and be completely debt-free within two years. I'm f***ing done. I'm f***ing done. We're going to the post show. We're going to the f***ing post show.

You can join our membership. Link in the description below. Hammer Elite has more content than any other YouTube membership, and it's also one of the largest memberships on this entire platform, and that is for a reason confirmed by our internal sources. So make sure you join that. The best value for your dollar. Hammer Financial Score. Spending in a budget you overspend. Zero out of ten. Debt you have collections and iron instead. Zero out of ten. Personal fund, nothing to save you. Zero out of ten. Retirement, nothing in there. Zero real estate. Zero. Hammer...

Even though there's no reason because you have so much money left over on a monthly basis. This is the stupidest zero out of ten in the world, but you have a fucking hammered financial score zero out of ten for absolutely no reason whatsoever. Probably because you ruined your fucking brain with chocolate. Chocolate. Chocolate. Chocolate. Chocolate. Chocolate. Chocolate. We're going to the post show. Chocolate. Shit. We're going. Download the budgeting app. Download the budgeting app. See you in the post show. Bye-bye. Bye-bye.

I'm going to let you know, he blamed you for all of it. It's not like that. You think I am the problem and I'm not the problem. You don't help me too much. We started the conversation blaming me. I am the one who pays for everything. You think of your wife all of a sudden being like, I'm a husband now. That's not good. To watch the financial audit post show, click the join button below.