I Tried Saving Their Relationship, But She's A B*tch | Financial Audit
01:44:47 Share

Starting a business can seem like a daunting task, unless you have a partner like Shopify. They have the tools you need to start and grow your business. From designing a website, to marketing, to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz and Allbirds continue to trust and use them. With Shopify on your side, turn your big business idea into... Sign up for your $1 per month trial at shopify.com slash special offer.

The NBA playoffs are here, and I'm getting my bets in on FanDuel. Talk to me, Chuck GPT. What do you know? All sorts of interesting stuff. Even Charles Barkley's greatest fear. Hey, nobody needs to know that. New customers bet $5 to get 200 in bonus bets if you win. FanDuel, America's number one sportsbook.

21 plus and present in Illinois. Must be first online real money wager. $5 deposit required. Bonus issued is non-regerable bonus pass that expires seven days after receipt. Restrictions apply. See full terms at fanduel.com slash sportsbook. Gambling problem? Call 1-800-GAMBLER. To watch episodes of Financial Audit a week earlier, check us out on YouTube. We don't live together. Definitely don't live together. Are you silly? What the f***?

- Who the am I talking to then? - He's actually my ex. - The determination of getting back together? - Maybe. - Maybe. - There's been some things going on. - I saw someone else. - We were financially together before? - 'Cause I was the breadwinner and he wasn't. Like it's embarrassing. - She just called you embarrassing. - I'm just tired of feeling like the boyfriend.

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. Hi, my name is Violet. I'm 21 years old. Hi, my name is Max. I'm 25 years old. I live in Tampa, Florida. And this is Financial Audit.

I live in Tampa, Florida. Now we live in Tampa. All right. Oh, good. Well, that's okay. Well, let's start with you, Violet. You're the one in front of me. What do you do for a living in Tampa? Right now, I am a leasing agent. My actual- You look like it. You look, you, yep. We step into the apartment lobby. You're there and you're acting like we're an inconvenience, even though you're only jobs to show us what a demo apartment looks like. Oh, 100%. Yes. Mm-hmm.

Yeah, she shows one apartment and sends out 10 AI emails a day. And then my boss is proud of me. So yeah, I make more than you. Oh, all right. Well, let's speak. Okay. Okay. Well, let's speak on that. Yeah. What do you make? I make $22 an hour plus commission. That's more than you? Yeah.

Oh, plus commission. Plus commission. What's hitting your account on a monthly basis on average? I just started, so I haven't gotten my first commission check. That's why your boss is happy with you because you haven't had the chance to... To do things, I know. To be onboarded. How long have you been doing it? I've been there for four weeks. Okay. That is just starting. The first two weeks was training. No, it is just starting, but it's not like your boss is happy if you're performing your job well. No, I promise you he is. No, because it's four weeks. You're being onboarded. I know, but I do more than the people who are already there.

And he's like, wow, you're amazing. And it's really the easiest job in the world. Yeah. I mean, yeah, it is. I know. Okay. So what's the commission structure? It is depending on the apartment that I lease, quote unquote. But if it's like our bigger apartments and like our water facing apartments, it's like a 750 commission payout. Okay. Mm hmm.

On average, do people close like one a month, two a month? I would say one a week. A week? A week. Okay. So what is going to be hitting our account on average? On a monthly basis? Yes. When I start getting commission, I would say... Hitting our account after taxes. I would say... You're not making commission. Not right now. Okay, what are you making before commission right now? Okay, I would say like $3,000. What are you making before commission right now? $3,000. $3,000 a month is what you're making before commission? Mm-hmm. Okay. Okay.

And you're going to get $750 a week in commission? No, I would say maybe average $400 because $750 is like the bigger apartments, like our penthouses. And then I'm going to say after taxes, it's probably going to be like $1,200 times your $3,000. So $4,200. Yeah. Okay. And that's her more than you situation. So...

What do you make? The other side of this. It's a little weird. I have two jobs. I work like 30 to 35 at one. I'm a warehouse selector and I

I was making $18 an hour. That's one. The other one, I got a at-home remote job, work it whenever I want, and I make $16 an hour there. And tell everyone they can get them just for extra things on the side. Well, mine's kind of a special one. I've worked here for like five years. I work for my mom's company. Oh, well, that's definitely the easiest way to get it. Exactly. What, do you hate it against him? Well, it's the only job he's had in the last five years until like a month ago.

Oh, so the other ones. The other ones are relatively new, yeah. Your job is new, too. I know. Why are we competitive off of bringing in extra money for the house? Because I've been telling him he needs to leave that job for the last five years and find something better. He has an economics degree and doesn't use it. What is your count on monthly basis with both combined? I think it's $600 a week from the warehouse and then probably $600 every two weeks from the remote. So $24,000.

Like 36, but the warehouse is gonna go up. 32.

That's 36. Well, you said 600? 600 a week, so 2,400. Then plus 300 a week from the other one? Yeah, 300 a week. Oh, okay. Cool. Yep, 36. So yes, I guess this half does make more. Well, the warehouse job, I'm going to make more at. Yes, of course. It's, um... Well, when? I mean, is it... It's now. But you're also taking away hours from the other one, right? Um, no. To do that? I work like 30 to 35. I'm like a little nervous. Okay.

All right. Well, what are we going to round up to? Four? Yeah, I would say about four. Okay, cool. This isn't bad though. Yeah, it's not. It's not bad. You guys are making... The household is $8,200. We don't live together. Definitely don't live together. Okay. Are we talking about moving in? No. Where are we trying to get to? No, so... Are you sibling? What the fuck am I talking to then? So he's actually my ex. Okay.

And I texted him and said, hey, want to go to Texas next weekend and go on this podcast with me? Why? Why am I talking to you guys then? I don't know. We're kind of, we've been talking. Maybe we want to get back together. Finances were hard when we were together. Oh, it's a determination of getting back together? Maybe. Maybe. Maybe. We'll see. Maybe. So what's the question? How long have you guys been broken up? A little over six months. Like eight months. We're having talks.

Maybe. Well, we haven't had a talk yet, actually. Yeah, she's difficult to talk to. Okay. Yeah. Yes, we're considering getting back together. But yeah, my friends don't even know that I'm talking to him. Really? Yeah, they don't even know I'm here. I didn't know that. That's so crazy to me, especially what's been going on. That's wild. So what the f*** then? If we're considering getting back together and we're split kind of down the middle on that,

Yeah. Yeah.

There was like, I mean, there was other relationship things. It wasn't just the apartment, but that was like the current like struggle we were fighting at the time. Yeah. Yeah. But if we're going to determine whether or not, especially when it comes to your guys' finances, because that's what I'm more interested in. Yeah. If we're, if I give my like seal of approval on if you guys should get back together, like what was so f***ed last time when we broke up six months ago? Our living situation was bad. Yeah.

I was making nothing. So I just started because the job that she wanted me to quit, that was the only job I had. And it was like the same thing. I might have been making $1,600 a month. Okay. So that's the one you wanted him to quit. Yes. For five years. And get another job, which I get it.

Because it's like a... For five years you've been doing this since 20 working for mommy. Why are you still working for mommy? Yeah, why? It's like a stability thing. I was like exploring... Yeah, but it's stability of nothing. Yes, I understand that. I was holding down basically nothing. Like I could barely survive and I was putting stuff on credit cards and that's how I was surviving. But it allowed me to... You could have easily gotten another job.

Easy, you can work at McDonald's and make more. Yeah. Like, come on. And he just didn't understand that. I was like exploring other things. I'm kind of like a job hopper, like trying to find out what I wanted to do. Like I moved out to Colorado to be a snowboard instructor. That job allowed me to do it.

Yeah, but then you came back broker, then you left. Yeah, I know. And then you came back and did the exact same thing and nothing changed. Okay. And I wanted change. All right, well, you were making so much money either. I was? You had a sales job and you had one good week ever. Okay, I was working a server job beforehand for six months. Okay.

And then, yeah, okay, let me go into sales because if I'm, you're not going to make money. Why should I stay the breadwinner? Yeah, I mean. So, like, I don't know. It was just, it was a lot. It was rough. But I left. So you left him. No, technically, technically he broke up with me. Why? And then I left.

Um, we were kind of going, we were going through, we were going through a rough spot. So when she got this new job, so she's talking about making all this money. She wasn't, she was working from 7am to 10pm at night. Yeah. And she wasn't really making that much. She had like good weeks here and there, but she wasn't making that much. So there was no quality of relationship. You guys are visiting here. Are we staying in a hotel? Yeah. You guys staying together? Yeah. So we're on the path. Why are we considering getting back together? Yeah.

What's the conversation? What's the thought? What's the vibe? I think it's definitely like a possibility. But we're like, since we broke up, there's been some things going on, some stuff that she did that I didn't like. And then I don't, honestly, my friend, he brought up-

I saw someone else. I dated someone else. We were on a break. Exactly. She started, I don't know if this is weird. We were dating for two and a half years. She started seeing someone within like three weeks. That's suspicious. Three weeks. I mean, it's not like the next day in that case. I don't know. It's someone that she was working with. If he went and fucked someone tonight, how would you feel? If he went and fucked someone, I'd be fine with it.

I didn't think that's weird. I wouldn't be fine with it. So you're on the edge of wanting to get together again a bit more than her, it sounds like. I made it pretty obvious. I think we were just in a bad spot then. And I don't know if all those issues are solved or what, but I made it very obvious that I did want to get back together. Are you still seeing this other person? We wouldn't be if we're considering getting back together. Okay, so what happened? No, neither.

I broke up with him. Yeah. So there's, okay, you want to get back together. You're a little more split and you want to get back together a bit more. This is what I'm reading. Because I don't want to get back together and it to be the same bulls**t that it was beforehand. I agree. So let's fix it this time. Exactly. But I need to know exactly what was going wrong. So as we can determine going through these documents, going through your guys' things, especially if finances were a big part. Yeah. It's like. I'm just tired of feeling like the boyfriend. What the f**k?

I don't know. Oh, I'm the breadwinner. She wants me to get a job. She wants to be a stay-at-home doll. No, I don't. Do I what? You want to be a trad? No, but I don't want to be the one supporting the relationship, supporting the finances, supporting all the date nights, supporting everything else. I mean, I guess that's kind of how it was then, but like...

So when we broke up, we were looking to get a place. Yes. We were staying with my dad at the time. When you broke up? Yes. The week of, we were supposed to sign a lease. Oh my...

Yeah. But then we did it. We got accepted at that place, right? We did. And I paid for it also. So for the application and yeah. So when we broke up, we were looking to get a place, but I'm like, okay, things are rough now. How smart is it to sign a lease with someone that I'm like, okay, like this would be really bad if we broke up and we just signed this year long lease for this expensive house. Yeah, for sure. I was like,

kind of wanted to take a step back from that. But we were also living with my dad and my brother. And I was like, okay, this is like not great either. I want to get out. But I was also kind of helping my dad out. Like I was paying him rent, but I was helping him. But you guys didn't, right? We didn't pursue this?

We didn't do it, no. Good. We didn't. So again, with where we stand, considering getting back together, obviously you see more split, you see more in favor, and we're considering it. But you wouldn't care if he went and slept with someone. How would you feel if she went and slept with someone tonight? No, I would not like that at all. I'm still like, I would say maybe I'm more like, I want to get back together, but I do feel some type of way about the actions. Because it wasn't just the guy, like,

I don't even, on like New Year's Eve, she's drunk, she's blowing up my phone and she's hanging out with this guy. Like, I'm like, okay. I did drunk text him a couple of times. A couple of times. Yeah. Yeah.

So I'm like, okay. And I don't really know what's going on. I don't really use social media. So I'm like, I only know what she tells me. Like, I'm glad you asked the question. I didn't know that she broke up with that guy. I didn't even know. But I'm also kind of a spur of the moment person. So I was like, when she invited me. How long have you been single and now considering this? I don't know. I would say, I don't know, a few weeks.

Is it like desperation going back to stability? No. That's what I'm saying. I'm not like, let's get back together next day, tomorrow. It's a working on. Exactly. She's more skeptical. You're going to have to win it over. I don't want to move backwards, unfortunately. Would that be backwards? How does that feel? That's what I feel like. I feel like it would be backwards. I'm open to it.

But I don't know. Like, it's scary because like I've built a little bit of a good life for myself. Moving backwards, but then also inviting me on a trip, like staying in the same hotel. I mean, I guess that feels bad. Like I don't saying it's moving backwards. One bed? Two beds.

slept in one bed. Okay. Let's be honest. I'm going to ask. I mean, I'm going to ask. You guys. Yeah. Yeah. Okay. Yeah. So we're kind of like I said, I'm open to it. I just don't want to make it feel like I'm moving backwards. So we're closer than we think. Yeah. Okay. Sure.

I want to see how you guys are assessed. Okay. The producers put this together because they knew how this conversation was going to go a bit more than me. I'm going in blind with the audience, but we have a me option and a my ex option. I'm going to give you guys questions just to see how we're approaching this current state of the relationship, and I'll give my seal of approval or denial after this conversation of whether or not you guys should actually pursue this. Yeah. Okay. First question.

And hold up to the camera. Who is more likely to book a vacation they cannot afford? Okay. All the time. Yours is upside down. All the time. All the time? This is a constant thing? Yeah, I do. Tell me, how is this? I book a lot of vacations. Since we broke up, where have you gone? You went to Hawaii. I went to the Bahamas. I've been like a couple like weekend things, but...

I mean, I couldn't necessarily afford them, but I did afford them, basically. So, like, I definitely should have gone on the vacation. How does that, what is that? Okay, so basically, okay, so, like, at the job I was working at during these vacations, I wasn't. Oh, by the way, I'm being told she went to Hawaii with a guy. I did. She did go to Hawaii with a guy. Exactly. Didn't really know about that either.

Okay, so I went to Hawaii with that guy. But I had a lot of fun. Is it? Okay, this was a long time ago, but I went kind of the extended going back sexually with an ex a long, long time ago. And if you're the one that clearly wants to get together a bit more...

That can kind of f*** with you. It f***ed with me back then. It took me a long time to kind of move on. And especially if she's out there, I mean, no offense, I mean, f*** other dudes.

How do you feel about that, man? Because that's, to me, just having been in that situation over a decade ago, like, yeah, it f***s with me, but. Yeah, no, definitely wasn't fun finding out, like. But you guys are still sleeping together. Yeah, it's a recent, like, as of, like. Like two weeks ago, a week ago. Oh, yeah. Like it's, like a week ago. A week ago. Literally a week ago. Yes, a week ago, guys. Because when we broke up.

And soon after that, I kind of made it apparent that I wanted to potentially get back together. I was more thinking like, okay, we need to take a step back. Let's not sign this lease and maybe more of like a break. But then I'm like, literally three weeks after, I'm like, oh, we should go hang out. She came and saw me at a soccer game. She came and saw me.

And I was like, okay, let's go hang out. Oh, this is complicated. I was like, let's go hang out. And she's like, oh no, I don't think this is a good idea. And then I talked to my buddy. I'm like, oh, she's seeing someone already. And I find out, she calls me the next day. She's like, oh, I want to talk. And then I'm like, okay, let's talk, like call me. And she's like, oh, I need time. Like she's pushing the call off. And then-

I'm like, oh yeah, she definitely doesn't want to do it. And then once I finally get on the phone, she's like, oh, hey, what's up? Like all nice to me. And I'm like, okay, this is weird. I'm like, okay, just tell me one thing. Are you seeing somebody? Like, yeah. So like within three weeks, I went on two dates. How long were you guys together before the breakup? Two and a half years. Mm-hmm.

But we've known each other a lot longer than that. Yeah. How? Because there's a... I've known him for seven years. So how? What was the... So my stepdad is friends with this guy who's friends with his dad. So...

I don't need more details on that, but I'm just like, when you guys were getting together, you were in the 17 age range and you were in that 23, 22. So I'm curious how that relationship was. But just asking. Okay, next question. Who is more likely to criticize the other person's spending?

So you both think you're more likely to criticize each other. Okay. Are you still holding that upside down? Why? No. Why do you think that? I don't like what he spends his money on. Go on. So his favorite thing in the world is Circle K.

How can that be someone's favorite thing? Ask him. I wouldn't say. I do go to Circle K a lot. Why? It's Circle K. Exactly. Because I like Coke Zero. I can get a 79 cent Polar Pop.

You can get a cheaper Coke Zero, though, in bulk from Costco. Yeah, you can. I don't know if you can, though. He likes it fresh, you know? He likes that carbonation. No, it's not. It's not even fresh. What? It's not even fresh. Literally. Okay, go on. And his Zens.

So he, I don't know, he spends more money on that than he ever did on me. Don't forget about the apple fritters. That's crazy. That's just not true. Not like 100% true, but yes. Well, she lives at thrift stores and has a thousand pieces of clothing that she doesn't wear and doesn't need. And they're all sitting in bins in her apartment. She is kind of in the like Kamala outfit today. That is true. Thank you.

Do not come. But I don't know. It's like, yeah, I don't like that he spends his money on things.

I guess. Well, he doesn't like money what you spend on either. And if we're getting back together, it's like... I spend my money on us, though. Like, we went on vacations. We went, like, out to dinners. When we were on vacations, it wasn't like you were spending on the whole thing. No, I wasn't. I paid for a majority of all the vacations. So this is how I kind of... But, like, that's what I would spend my money on. It wasn't Circle K and Zins that you're going to spit out every 30 minutes. Like, you know, it's different. Yeah.

When we went on vacation, we kind of did it, I feel like, how a more married couple would be like shared finances where like, okay, if she's making, like if we total our money and she makes 60% of the income and I make 40, like that's probably how we're going to split the trip. So I was paying for a majority of the vacation. So yeah, she was paying for the majority, but she also made more. And I was fine with that at the time.

But that's what I spend my money on. So it's like, are you going to disprove of that, of how I spend my money? It's not just the vacations. Oh, yes. Like, you constantly spend, like, going, like, it's just, like, shopping. Not, like, on, like, store stores, but yours is bulls**t stuff, too. Stuff that you don't need. You don't need little knickknack stuff that, like, have no place in your apartment or just carried in bins. Like, you have a bunch of bulls**t.

Okay. At least my stuff's getting used. I drink the Polar Pop. The Zenz get used. Every day. And the Apple Fritter at Circle K is really good. Oh, his Doritos for breakfast and dinner. What are you even talking about?

But it's because I work. It's an interesting little observation. You guys are covering your disagreement and kind of attack to the other person with a laughter. Because you hear it and it's like a real attack, but then you're like, giggle about it. You're in that weird state.

I mean, maybe. Like, I don't, this, like, my purchase is, like, she's saying the Circle K. I will fight for that. Like, I work in a warehouse. My job starts at 4.30 p.m. And, I mean, it's on the way to work. I'll go get it. It's usually energy drinks, too. Buy in bulk. That's okay.

Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you, Grandma. Why are you fine, says Joe.

No, no more sacrificing the family jewels. They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, you'd swear they were putting your first born on layaway. So if you're tired of monthly payments so high that you can't afford a single sweet treat, YRefi's got you. They'll arrange your repayment plan, ease the monthly hit,

and even let your poor cosigner off the hook. Mom or dad, they can finally breathe. You think you'll just get stuck on a call center wait list? Guess what? 4.6 stars on Google says why refi actually picks up and treats you like a real human, which is a shocker, right? In finance, that's something as rare as me not slamming a desk every episode. What? So if you're done fantasizing about robbing a bank, don't do that.

by the way, but just check out YRefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to Y-R-E-F-Y dot com slash hammer. That's YRefi dot com slash hammer or call 888-YRefi-78. That's 888-YRefi-78 and see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till you're 90 is not the retirement plan you dreamed of. Next, who has more of a temper?

Okay, yeah. When we're arguing about the finances, does that seem to come out more? Does it get toxic, these financial conversations that we have as a couple? Had, and then might have again? They did. She just doesn't really have a temper, and I don't really... Yeah, she giggles off everything you throw at her, which I guess is more of a deflection. I shut down, for sure, because I feel like I talk to a wall.

No, she thinks that I can't lose a conversation. He can. I will refuse and I'm competitive. So I just stop talking. I'm like, why would I continue the conversation if he's just going to until I say, okay, you're right. And then I say, and then he goes, oh, you know, I'm not right. So why are you just going to shut up?

I don't say that. I don't say that. I don't say, I know I'm not right and I'm fighting a thing. No, it's like, I'm actually talking to a wall there. You just don't say anything. That was probably the biggest reason why we did break up is because you literally keep going. You harp on things for days.

No. Like you'll literally, yes, you do. No, you are like literally a wall. You just sit there and- Yes, because you keep going. Like there's no point. You just agree with everything I say because I want to get to like a finish line of a point. Like, okay, if we're arguing about this, I want to get to this point. Mm-hmm.

And I'm like, okay, let's get the conversation. But if I don't want to get to that point, because I don't agree, you still want to get to that point. No, but it's not even that point. It's not even that point like that I want to get to. It's like a completion of the argument. You're just like, okay, I don't want to do this argument. And I wouldn't say I have a temper. In our relationship, I probably, I raise my voice pretty loud, like two times. And I don't want to do that. Like, I don't want to be that person because I see people that do that and I don't think it's right. But I mean, maybe I should have more, but-

Outside of the relationship, he also has a temper with his family, with his brother, with his mom. His mom? Yes. They will argue, like, we would go on family vacations, and you can't get through a family vacation without someone fighting. All right, well, that's not my fault. It is, because you are the problem most of the time, and then you get a pissing note. That's crazy. You're wild. It's not. Knowing, you know, know my brother. Yes, because your whole family has the same issue. Yeah.

I would say this. I think my mom, she has a little control freakish. So does your brother and so do you. And like might have passed it down a little bit. So I want control over certain things. Okay, so control freak. But if we're having a financial conversation with both are kind of equal halves, two and a half years, you can be talking about marriage around then. Obviously you guys broke up, but we're considering getting back together. So it's a bit more complicated. But if we're going back into the financial conversation, I mean, give me like what a financial conversation like looks like at that point.

I think the biggest one was when we were looking for an apartment. There were spots I liked more than he did because we have a dog. So he was like, well, I want to place the big yard. Who got the dog? He got the dog. We got the dog. That's hard. He got the dog. So when I moved back from Colorado, I'm like, okay, I want to get a dog. No, I'm asking post-breakup. Okay. Oh, but it was his dog. He kept it. There was no argument there. Keep going. The financial conversations. He's like, well, we need a place with a big yard. Well, all the places that I liked didn't have a big yard. They had a small yard.

but I was paying for the rent. So he thought he had all this say of where we had to live when I was paying the rent. - That was the only thing I asked for in the entire place. - I know, but it was like, no, 'cause then all the other places were farther from my work.

She was looking at places that were like no street lights, like you're not going to walk your dog at night, like sketchy areas. And the yard was the size of this table. No, it wasn't. And you know that's not true. No. But again, anyways, I was paying the rent. I have the bigger say. And he was like, well, you're being really selfish. Why would you say that?

Because I'm paying the rent. I should have the final say of where we live. So she just wanted the nicest place possible. I did. And they all came along with the smallest yard possible. And I'm like, okay, one of the biggest reasons we're moving is we have this dog. That wasn't the main reason we were moving. That was one of them, yes. But still... Oh my gosh, you guys. This is crazy. I mean, and then...

literally I'm they just sent me a note that is relevant to how you guys are just going about this conversation I mean they're talking through your guys' breakup and stuff and when they had a conversation with you right you gave all the you flat out just like called her a bitch in her face and it's just toxic

I said that? Yes, you did. I mean, I might have said that. I call people all the time, but it's usually out of just like the show. And that's how it usually is. But like you, it was more of a like attack. I don't know who. When I broke up with her, nothing. She said nothing to me. When I broke up with her, it was like. It was a shock.

But that's how she is in. We had basically the same conversation like three months earlier. So it was like I wasn't going to do that again. So I said, OK, packed it up and left. Who on like who who was the reason for the breakup? I initiated. Who was the reason for the breakup? OK. Yeah. So it's interesting. You're the one that broke up, but you're the one considering getting back together. You did not choose to break up and you're more on the fence.

She wanted to break up. You can't lie that we were going towards that. Again, having been on that side before, not on this side, why are you still diddling up with this guy if you're not fully ready to get back together? Because it does string him along. Because things were good for a really long time. Were, but now you're just fucking...

Well, but I want... But you're on the fence. Yeah. So if you don't know, why are you going back? Because things were good. I like his family. We're good. I know. But you're not committing to going back, but you're still f***ing. So why are you still f***ing? It's been a week.

Yeah, a week. Okay, a week. No, it was like twice. Just twice. We were hanging out more, like seeing each other. I'm just saying it could really string him along. No, she was definitely doing that while we were broken up. Were you guys doing that? Did you guys ever get back together throughout? No. Okay, so either way, this, unless he's ready to get back together, you are more on the fence. Yes.

Yeah, because... Fine, you're 75, she's 50%. But even still, unless you're swaying that way, why? Because I want... Like, if things are different and, like, he changes and, like, he gets his life together... That sounds more than 50% then. Because, like, yes. So you're leaning more towards getting together. Yes, but only if things change. Because, like, I don't want... Then why before then? Because that can mess with someone. Okay, then we won't f*** anymore. I'm... Like...

Well, now I'm breaking his heart. That's fine. I get it. It's difficult. I don't know. It just happened. Like...

I didn't text him, oh, want to f*** tonight? No. Like, it just happened. That's usually what I do. Exactly. So, like, no. So, like, yes, like, I, like, it was good for a while. I've known him for seven years. I've known his family for seven years. I know, but you're not getting back to, that's, you don't, I'm not talking about where you guys have been. I'm just talking about what you might be doing to someone. Okay. Someone who's already there. Almost there. Because when we did break up, I was like, I made it real clear that I wanted to get back together. And then at a certain point, I was like,

I already asked her to hang out and then she made it because she was texting me. Have you guys broken up before? No. Okay. Who's more likely to get involved in a pyramid scheme? No. Okay, you both say each other. Why? You know each other's habits, but we're the fucking... I know what she'll say, but I don't know. You're like, I feel like...

That's something you think you would be good at. I think you'll do the sales. You'll try and sell. Someone that you're good friends with will sell you on something I can get in. You're like, oh, I know all these people. Come on. No, I would not. I would not do that. You're in health insurance. You're like one medium away from... But it's different. Health insurance is federally regulated. That's not like I'm selling Mary Kay on the side of the street to my hairdresser. No. No.

Like that's different. You on the other hand, 100%. You're always, let me buy this. Let me buy that. This course, that course. Great idea. I don't know enough people to do a pyramid scheme. It doesn't matter. You would sign up for it though. No.

You would. No. Okay, says the one who spent nine grand on a course he didn't pursue. What? On a course? On a course. What is it? You know who Pace Morby is? No. You don't know who that is? No one knows who that is. People know who that is. He was on Graham Stephan not that long ago. On the Ice Coffee Hour? Yeah. Mm-hmm.

I don't know. For me, 9,000 is pretty brutal. We sell educational programs and we have a lower refund rate than anyone else in the agency. He's just trying to sell him. He'll buy. In the industry. Yeah, but we actually provide value and people have proven that. But we don't do $9,000. We're like a couple hundred bucks so people can change their lives and still have access to it but also make it still a business. But hey, he's got access to a Facebook community so it's worth it. Yeah.

I was probably in a better financial point then, but that might have been the start of it. But 9,000? What were you supposed to learn? And you never took it? No, I didn't. He didn't. Like, I went through it. It's just more of like... What did it teach then? Because, again, we teach budgeting, paying off debt, not like, oh, you're going to be a multimillionaire.

That's not what it was saying either. You own property, right? Yeah. Do you have traditional mortgages on them? On some, yeah. Do you have like any creative deals? No. You know what that is though, right? Actually, one. Technically one, yes. What was it? Like a seller finance or something? No, I don't have that. Okay. So he teaches like...

This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings account and get a welcome bonus of $300. Sign up for Acorns using my link and get $200.

$20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. You are someone who...

of this grand life, 9,000 hours on a course, but you don't even have close to the necessary for... To get one, you might need like, you could get a $500,000 house for maybe 30 grand out of pocket. Do you have 30 grand? No, I don't. Then what are we talking about? So there was other stuff where... You do have 30 grand of it.

But there was other ways. You can get the contract and assign it to someone else and then you would make your assignment fee. Checking the savings combined for you is $825. What the fuck are you buying a $9,000 course for? That was a while ago. I have done it. Pursued it afterwards. You finished it. Who's more likely to hide spending from the other person in the relationship? Me.

Yeah, I don't know. Like on stuff like... You're willing to admit this that you would be more likely... You guys are considering getting back together and you're saying you're more likely to hide spending. It's not like big spending, but I would definitely like... I'm not going to hide something like that, but it would be like, oh, I don't want to tell her I just went and bought food or something like that. Why would you want to tell her? Yeah, why would you want to tell her?

Honestly, it was more like because like I used to have some weight on me and I have like a weird thing about weight. You look like a former fat fuck. That is true. I see it in you. We were just. Have you ever been to Barton Springs? I live in Austin. Oh, well, have you been? Yes. Okay. Okay.

okay, whatever, whatever. Have you used the diving board? Ask him about his most embarrassing. Cause it's too cold honestly. So you've never been inside. I have miserably. Honestly, I either sunbathe or. Yeah, that makes sense. Look at boobs. But yeah. Fair enough, fair enough. But ask him about his most embarrassing story ever. So I had a, like a party at a friend's house.

How does that feel? If we're considering getting back together, if we're considering getting back together and he's saying he's the one that's most likely to hide and he doesn't want to tell you, how does that feel? I don't like that. It was mostly food because I'm like, damn, I feel like a fat f***. I know, but it is something. Yeah, I know. Yeah, it would never be... I know, like...

Because I don't think she would. Yeah, I'd be coming home like, look what I got at the thrift store today. It's been $100. Yeah, she's like, oh, you want to see this haul? And I'm like, oh, yeah. Okay, we spent $60 at the Goodwill and we spent $60 at the Goodwill two weeks ago or three days ago. I'll show them. I don't care. Especially because what I do is like I'll go get like a whole pizza and I'll just eat it. Okay. And finally, who's more financially responsible? Okay. Okay.

Yeah, okay. There's no way. You're on one, you're in more debt than I am. And then two, mine's within like the last eight months. Exactly, why are you still in debt?

Okay. Like, I think in spurts. I think, I feel like I'm an in spurts person. It's in spurts and then you get out of it. You're blessed and then you do it again and it's absolutely ridiculous. Like, it's embarrassing. I think you just have the more worse spending habits. Like, mine are... She just called you embarrassing. It is. By the way.

I'm just saying you're going to even they talk at each other because you get bailed out of and then you do it again. No, I've been bailed out. Like I've had support, but I haven't. I've been blessed like 100 percent. OK, I'm sorry. My mom loves me more than yours. I know. But like it's crazy because you'll just turn around and do it again. And it's just disrespectful to her.

What do you mean? I'm saying. What do you mean? Do you still have student loans? I do. Okay, your mom paid for them. No, she didn't. She gave you money too. But I told her they weren't going to get paid for that. Here's money to pay off your entire student loans. Congratulations on graduating. Okay, mom. I'm not going to spend it on that, but thank you. Wait, what the did you do? Exactly. That's crazy. That's insane. Exactly. You know what I spent it on.

Was it a Corvette? It was a Corvette. A Corvette. Your mom gave you money to pay off the loans and you got a car. Oh, but it might get forgiven. So like, why would I pay it off if it gets forgiven? How'd that work? Okay. Okay.

Okay. What are my... And then you work for her. Is it out of sympathy? No, it's not. No, like, it's definitely his mom's very nice and, like, yeah, she does very well for herself. And, yeah, if I had a child who graduated, I would 100% pay off his debt if I was, like, had the means to. And it's definitely really nice that she does that. I mean, it depends on behavior, but... Exactly. So it's like...

But then it doesn't change. So if I have two loans out right now, my student loan is, let's say it's $10,000 and at 5%. And I have a car note out for 10%. Which one should I pay off? So was it paying off a car? Yes. It wasn't buying a car. No, I already had the car. No, I already had the car because I saved up the money in Jacksonville. I put four grand down. She gave you the money beforehand. No, she didn't.

See, you don't know because I put that money towards the Corvette. But he still has student loans. And now he doesn't have the Corvette anymore. See, she doesn't even know. I feel like that was the better financial decision. Mathematically, I choose the 10% in the depreciating asset, but... Respectfully...

to your mom who gave you money specifically to pay after school. But I told her I wasn't, I didn't lie to her. I didn't lie to her. I wouldn't tell her I'd have a conversation. Well, yeah, but like she's not going to tell you now. I told her as soon as, because it was smarter to do that. And I'm deferred anyways. Like I was still. Well, we don't know the context about buying the car when you got the car or were you buying the car expecting this money to come from mom where conversations happening before that.

that there's a lot of context that can go involved in you getting this money and then putting it towards the car instead of putting it towards the student loans which she thought you were going to. And if she only wanted you to put it towards the student loans it was her money her gift intended for that then I would put it towards student loans even if I'm not going to make it. Or she sent it to me I told her I wasn't going to use it for that. Yeah so she was still going to do it and she's not going to

Did you know she was going to do that? How long did you know she was going to do that? Was it before you got the car? No, was it before the car that you knew a payment was coming? So it was always kind of an expectation. There you go. So you got the car because you knew the money was coming. So that is different. That is different than this is a random thing that happened and you put it towards them mathematically making sense. You instead chose to go get the car...

Because you always knew money would be coming that you could pay off the student loans or it with. No. Oh, come on. How? Because it was... You're a human being. You're able to have that cognitive skill in the back of your brain knowing that you...

Could pay off the car because his money's coming. Okay, either way, let's just say I did, which I'm not saying either way, which one's better? Because I would have got the car anyways. No, no, because it's context. It's not a black and white thing. It is context.

Because at the time I had... This isn't the internet where context is impossible. That's like most Twitter and Reddit thread. That's not how we do it. We're able to have context here. Yeah, but I wasn't expecting that because my brother, he has student loans for a trade school. His are a lot more than mine. And like we've kind of heard like, oh, this is going to happen. But I didn't know like, okay, when I graduate, she's going to pay, like she's going to help me out with them.

What do you think your hammer financial score is? Zero to 10. Zero being the worst, 10 being the best.

Since I sent in the statements, I would say one. But last year it would have been higher. So it's gotten worse? It has. The last eight months has been worse. So are you okay with getting someone back with someone who's gotten worse? It's on the up and up. But it was kind of my fault. Like she was, she's in a bad spot because of the apartment that she's in. Just the apartment. No choices. No going to Hawaii and like that.

Really? Come on. It didn't really cost that much. I mean, you still chose to do these old vacations. Yeah, but... If our rent is more expensive than we can afford, which sucks, then you sacrifice the other things to make life work. You don't get to still just go do whatever the f*** we want when it's mathematically not working. So, no, it's not just his fault. And I know you're trying to get your d*** suck later, so, like, don't just... I didn't say it was just his fault. No, I would say, like, when the income, the expenses are higher than the income, like, that's bad. Yes, but then why would we...

Because I bought the ticket before my income actually started going down. You still decided to go and it would require spending more money while you're there. Yes, not that much more though. But it was more and if we don't have money, we don't do that. It's as simple as that. And you, what's your financial score? It's probably like a two right now. Okay. I feel it's a lot better than her. Yeah, definitely better than her. Okay. If you guys watch your school,

your score and see where you are in the world of finances. Take the assessment. Go to calebhammer.com or click the link in the description below. And if you don't want to be like them, not the breaking up part or the randomly hooking up part or whatever the f***

The financial part, download our budget in an app and make sure you sign up for the annual version and I will send our cookbook and notebook signed by me directly to your doorstep. And don't forget, you can come here to Austin, Texas by going to calebhammer.com slash apply. We'd be happy to have you on the show. Oh my f***, the longest intro in the history of the show because you guys are just bickering little f***.

You made us play the game. Yeah. To get some insight into you guys, I wasn't expecting it to take that long. Because if the big question is whether or not we should get back together, the producers were like, well, let's see what they say about each other. And a game's a good way to do that. Freedom Flex. Whose card is this? That one's mine. We're not going to buy it. It's my worst one. So her card, by the way, dude, is the $7,377.60. $7,000? You don't know this? No. You guys know each other's finances?

She might know his mind better, but she actually... Yeah, it's a $7,377.60. What are your thoughts? That's insane. That's really bad. That's so bad. That's almost as bad as my whole situation. Or at least my credit card situation. Okay, it's my bad.

It used to be good. Who gives a f*** about used to? I don't give a f***. No, I know. Used to is whatever. Even if you're doing something bad in the used to, if you're doing good now, we're not beating you for your badness. For sure, yeah. Again, this isn't the internet. It's not how we operate in real life. Yeah, no, it's up there. Surprise. Like, I told you it was bad. You don't care? I do care, but like, it is what it is. How long does this take to pay off doing minimum fee payments only? Which she does, but without purchasing anything which she's incapable of.

So how long does it take to pay off? I would say 19 years. Well, she hit it. Maybe she looked at it when she sent it in. Yeah. It's 19 years. Yeah. And she pretended like she was thinking about it. No, because I know it was around. I sent three statements. I don't know which one it is. $131 of purchases and 92 cents on a card that you only put in the minimum repayment towards. Interest is accruing. Yeah. It's over.

maxed out by $177. You want to get back together with this creature? How's that make you feel? She's above the credit limit. You're okay with that. Maybe mine, if she's a one, I might be the three, four. Yeah, right. Okay. Why is it above the credit limit? The interest hit. No, you're purchasing! Well, that too, but... That is it! That is the thing

You have control of it. You don't have control of the interest. Yeah, I know. If you pay the monthly payment, it's going to pay off the interest and a little bit. Yes. Yes, I know. That is true. I understand that. So why the f*** would you say the interest thing? Because that's not the answer. Because that's part of the answer. Yeah, that's some good cope giggling you got, but that's a bulls*** answer because that is not why it's above. I know, but... You know yet...

Why did you deflect? The real answer was because you spent. Because you're an irresponsible child with your money. So why the f*** would you deflect with a bulls*** answer? I don't know. I think it speaks to something. Yeah, it does. But you're not confronting this at all. You don't care yet. I mean, like what? I don't know what to say to that. You've given up over this last year and you don't give a f*** yet. You slid into a worse situation and you've hit the limit there. You don't care. And you're probably not ready to change. I am ready to change. I am ready to change.

For sure. Go on. Because I got a different job. A lot of that is spending because of my last job. What? That doesn't make sense. What was your last job that required spending? Okay, well, I was in health insurance. You had to buy your own leads, and there's a lot of money that goes into it. Why would you put it on... Are you getting 30% returns on every single lead you spend? No. Because that's the interest that you're getting on this card that you're not paying off. I used to. When I first...

Netflix, Amazon, Paramount Plus, Canva, Apple, and storage. So those are like my subscriptions that are just on there. Also going and probably getting a morning after from CVS it looks like. No, definitely not. But no, so like, yeah, all that you just named is my subscriptions that hit. What are my spendings on there? It's subscriptions. Bullshit. It's not like I'm going to Target. Lady.

Lady, you are choosing bullshit subscriptions over actually paying down the card. Which says you don't care and you're not ready to change. If your defense is, oh, it's just subscriptions, then obviously you're not ready. Because we would rather pay down the card that is accruing interest that is going to take 19 years to pay off than have Netflix pay

And Paramount Plus at the same time. They're all with ads. And picking up some bulls from the store. And Apple bills. And Amazon. Pull up your Amazon for me. Listen, you lost 600, or sorry, 810.

845 dollars and 37 cents of interest this year so far on here okay you don't give a no i do but you want to get back together with that i don't know like that's really bad seriously when you guys get back together we're probably considering a future at that point okay like that's not a fling a fling shirt i don't care do that but if you guys are getting back together finances are an important part of it and look at this she doesn't

She doesn't care if she's giving up, she's done. And she's just bullshitting her way out of this pushback. Money stress hits hard, but sometimes the damage isn't just in your bank account. It shows up in how you sleep, how you think, how you show up to your life. And that is where Sondermind comes in. They help you find licensed therapists and psychiatrists fast. Match to your needs, your schedule, your preferences. There's no waiting months, no guesswork, online.

online or in person. And their app even comes with self-care tools to help you in between sessions. And here's the thing. Sound of Mind works with most major insurance plans. So you're not trading one kind of stress for another. Plus they're available nationwide. So you can find care wherever you live. So go to soundofmind.com slash Caleb and get started today. I don't know what's on here.

You don't know how to pull up your Amazon? It was loading. Chill. Your Wi-Fi sucks. Oh, does it? Yeah, it's terrible. We were trying to do it earlier. Here's five things in the car. $190 bed frame, $243 bed swing back bed bullshit.

$189 bed. Oh, she's choosing what bed frame to get. Yeah, they're just in there because I'm saving them. Hundreds of dollars, about a thousand dollars of bed frames in there ready to go. I'm not going to get all of them, obviously. No, but you are going to spend about $250. Maybe. And look, we have a max out credit card and your... Her bed frame is pretty shit though. Good! And it continues to be shit until you pay off debt. And that's why I'm buying it. I don't want to just always like jerk myself off or anything about this, but the thing is, I slept on an air mattress for like six to nine months when I moved here. I slept on

mattress when I moved to my apartment too. I don't give a fuck you're in bad debt. I got out of bad debt and I stayed out of bad debt. You're back in bad debt you can sacrifice. I know. 300 pieces of heavy duty gold. I told you it was for a wedding but I got paid back for all that. 10 inch baby pink candles also for the wedding? Yes. Okay candles. A lot of that was for a wedding. Okay.

Deep power, extra boost inserts. Trying to get taller. It was a strapless bra for my, the, not the wedding dress, the bridesmaid dress. That was the maid of honor. A return for a dress. Yes. Liver treats and. For the dog that I now have. You got him a birthday gift.

You got it back? Yeah, because he can't take care of him. Because I have the two jobs. I've been working like 60 to 70 hours. You got him a cake toy, mouth guard. These aren't horrible. Bridal shower stuff. These aren't crazy, but I am nervous of you spending 250 bucks on... I'm not going to get it. What about when you move into that new apartment? You better not. I'm not. I'll sleep on my couch. I'll be fine. So no, they're not bad. And all those for the wedding, I got paid back. I just had to order them because I was in charge of decorating. So...

So we know what comes in. How much did you spend last month? That I have no idea. Why would you not know? Why don't you budget? What are we doing in our lives? It's just different. Again, you don't care. If you cared, you'd be budgeting. So how much do you think went out? Think of all your life that happened last month.

Payroll was $2,749. What went out? Probably. And that can be included in debt. Probably like 45. It was 46. Yeah. Holy shit. Double. You're okay with that? No, but I was at the time. Then why are you doing it? It just happens. Like, I don't know. No, no, it doesn't. You do it. It does.

I mean. No, but you're doing the actions to do it. I know, but like most of that is bills. I have big bills. Your bills are not that high. They are. I want to hear mine because I think mine is going to sound a lot better than that. That was a bad month. Like I didn't really make a lot of money. I was in the transition of a new job. Like, yeah, my income wasn't very high that month. You spent less than you made. I'm him. But last time he was the...

Yeah. The financial... Now that I have this second job... But now she is, and she doesn't care. She's not willing to do anything to change it. How are we going to maintain a healthy relationship? Financially, at least. Um...

Because now the roles are reversed. So before it was like all she did was kind of work, but now she's gotten these jobs and is like, she's getting older. So now she didn't really get that college. Yeah, like I actually go out, I have a life now, whereas before I didn't.

So she didn't really have the college experience. And I think that's what she's doing now, like going out, like partying and things like that. So she's blowing money on that. Is that where you want to be? Because, again, that would be your... He's already been there. That's the thing. He's already went through that. But your significant other would just be going out partying all the time. That's something I've thought about a lot because I don't really party. I don't really drink at all. What is your partying?

where are you going like every night no but like I actually go out with friends I do things with people like I go out and actually I have a life versus sitting at home on the couch well when I hear partying it sounds like we're going out like raging at the bars she went to Orlando and got blacked out drunk and lost her purse and all of her belongings in Orlando I did

Also, should we talk about what happened at the wedding? No, we don't need to. But yes, I got drunk. I got very, very drunk. Well, at a wedding, that's pretty common. Yes, it was open bar. Was there a bad thing? No. Good, no. I guess not. What? What happened? I don't really know the story and it sounds like she doesn't want to talk about it. No, like, I got drunk. She gets a little, like, free and loose while she's drunk. Like, what? What happened? I don't...

I don't want to talk about it. Like, I made some bad decisions. At the wedding? I mean, yeah. Or after the wedding. Oh, no, no. After the wedding. After the wedding. Like the reception, right? Yeah. She was partying, dancing. Yeah. I don't know what you're trying to say, but no. You know you're making it sound worse than it probably is. I'm pretty sure I heard, like, I don't know, maybe hard to keep her top on. In front of everyone? I think it was just, like, the bride's dad.

I flashed the groom's dad. I would never do that to him. But it was an accident and I was drunk and the bride wanted to change. Who has the ink cart?

He does. Okay, what's going on with this? Because it's also maxed out. Not over this time, like her, but it is maxed out. No purchases this time, but it is maxed out. That's part of the Pace Morby. So it was like... No. So that's what I owe him. You want to do debt for it? Yeah. It's been two years. It's been two years. What would he think if you put this on a card that is accruing $60? He probably cashed in on me. But...

No, I don't know him. I don't know him. But a lot of the people I've met behind the scenes in the YouTube world, I understand a screen is separating us and there's a number next to our name. But most people actually have genuine positive intentions and you just wouldn't actually think that. I don't know if he'd want you to go into debt for this. I don't want people to go into debt. I want people to buy our educational program because it is a business and also it's a good product and helps people. But I don't want people to go into debt for it.

This is what I will say because I can remember now. I was pretty iffy about it because it was such a big thing. I told him not to do it. Maybe, but... Multiple times.

So when I did do it, so it was like three installments, basically $3,000, $3,000, $3,000. And so I paid off the other ones and I just have that $3,000 left. You're only making the minimum monthly payment for it though. What's it at? $2,916.04. Minimum monthly payment, $86. I will say I think... It's going to take forever to pay off.

I will say, I think Pace Mori does have good intentions, but the sales team, I feel like they were kind of pushy. They were like, oh, we can just get a new card, put it on there. $300 of interest accrued. This year? Okay. I mean, that's bad. I mean, it just stays at that. I know it's bad. But it's been two years. That's what I'm saying. City Double Cash, who's this?

Me, maybe. Yeah, I think so. Yeah, definitely you. Do you not know what cards you have? I don't have a city card. I have like three. So you don't know what city cards he has? He has like nine, so I don't know if that's also his. No, I don't have a city card. Because he has a freedom flex too, so I'm just making sure. $1,561.20 on here. Yeah. $41 minimum monthly payment. Five years to pay off. Only making our minimum monthly payment. So what's up with this card? It's three-fourths of the way maxed out.

Yeah. Okay, so I have this one and then I have a capital one. One of them I was using to pay off school because I – Pay off school? Listen, I cash flowed school. So all of my semesters I would throw my credit card, but I would have it paid off by the next semester. No, no, listen. Why is that so risky though? But I didn't – Yeah, but look where we are.

I know, but it's just my summer semester that I never paid off. Well, that still counts. I know, but see, I wasn't supposed to take that summer semester, but my financial... Not my financial. My academic advisor f***ed me over. So my classes I had to retake or that I retook didn't count. And I had to take an extra semester of school that I didn't account for. So that went on the credit card. But everything else I paid...

Credit card was paid off before that semester even ended, like a month up. So yes, I was supposed to graduate in May. When was this? This was this past summer. So this was like July. Yeah. So I was supposed to graduate May, but I had to take an extra like three courses over the summer to actually finish my degree. And it's still not paid off? No, it's not. She messed, when she got out of. Where the fuck are we going to Hawaii then?

This is accruing interest. It's not an interest-free card. You wanted to more than actually be debt-free and live a financially healthy life. Yes, I did at the time. And you still do because you haven't changed anything. Look at your spending. It was double what you make. Not his. I know. Yours. But, yes. But, see, I cash flowed my way through college. I got it done quick. I graduated. You have $1,561. Yes, one semester that I wasn't even supposed to have to take. Yes, that is not cash flowing. Good job you did most of the time.

Okay, the rest of the time. But you still have this regardless. And you were choosing not to pay it off because you were choosing your own pleasure and fun of life. Yeah.

Yeah, basically. I think she kind of screwed herself over. She worked at a, she was serving. Yeah. And she made a lot more money. I made really good money serving at the Hard Rock. And then got out of it. And then that's how she was like paying that off. I got a degree. You did graduate. Yes, I got a degree in marketing. So business and marketing. Okay. Graduated at 19 with my bachelor's also. So cool. Thank you. So. Look where you are.

I celebrate people on their actual where they are. I know. You're fucked. I'd celebrate your graduation when it happened, but look where you are. I'm not looking back to celebrate. I'll give it to you, of course, career certification if you want something extra. Boost your...

boost your thing. Mm-hmm. Your resume skills. Oh, wait, he said your total debt? Yeah, he was like, you don't have 30K, which you have to pay. Guys, I will tell you, calm down. F*** these people, man. I didn't ask you. I'm trying to have a quick conversation with the producer about some notes that, you know, I had here. I'm like, wait, I'm a little confused and all of a sudden they're just f***ing, what's your debt, lady? F***.

Wait, we will talk. I mean, yeah. No, this is all a surprise to me. No, two. I mean, this is bad. You don't consider this because it's not maxed out. It's three-fourths and it's accruing interest. Yes, I know. Yes, I understand that. It's not accruing interest. It's not. It's not accruing interest. Also, it's a new card. It will soon. It will in a few months. Yes, it will. But it hasn't been, which is why I opened that card to do my school. Bank of America card. That's probably mine.

What's going on with this one, guy? Yeah. What's going on with that one? That's your favorite car. The balance on that is low, right? Lower. Interest is still accruing. He's still purchased on it, though. It's at $408.29. Oh, that's not bad. Minimum monthly payment of $35. Not bad. It is still... He's purchased it on it and it's accruing. If that's what your mindset is, you're going to be f***ed forever. What did I... Seriously. Okay. That's not a joke. I know. That is bad. Okay. Okay.

I get that. Didn't I pay towards this card this month? Yes, but then you purchased on it still and it's accruing interest. But... Yes, you put more on it than the minimum. You brought your balance down, but you are still choosing the action. This is what it is. Buddy, you are still, instead of paying it off and putting it towards what could be closer to zero, you decided to put an extra $120 on it. Well, interest is accruing. I'm pretty sure I put a lot towards it. You did, but you still...

Instead of putting it closer to zero, decided to purchase on it. It is the behavior of it. I think it's mostly because I leave my wallet and I think that card is connected. Take your wallet, you moron. Like, what the fuck is wrong with you? You need your driver's license, you tit.

Like, if I go to work, I don't always have my wallet. Do you drive to work? I drive to work, but I don't want to... So you should probably have your driver's license. You tit. I do. I have it in the car, but, like, if I go to... What? You leave your driver's license in the car? Because I don't need my wallet for work. It's just kind of, like, in the way. You're so weird. Why are you leaving your driver's license in your car? Put it in your wallet. Take your wallet with you. So it's in the wallet, but then I leave the wallet in the car. And then, like, so if I want an energy drink before work... Which you do all the time. I do. Oh, for f***'s sake.

Tap to pay. But it's in the car. I use tap to pay and I don't have my debit card. Where are you getting your energy drink? Circle K? No. I mean, sometimes. Yeah. There's probably Circle K. Listen, and you can go back in and get your fucking wallet because I have Circle K, Circle K, Circle K, Circle K. Four Circle Ks. You could have gotten them back in your car. Now, I also see Venom Machine, Venom Machine, Venom Machine, Venom Machine. Papa John.

And Popeyes, go in the car, get your wallet, you lazy vending machine, vending machine. It's because- I've had late fees this year. Two. Did I? Two late fees this year. Oh, I- You're going to dig on me so hard. I can't figure out how to put- I mean, maybe we could do this. I don't know how to set up auto pay for it. I'm not going to set up auto pay for you, you child. I feel like Bank of America is weird. You-

But yeah, no, that's really dumb. What is it? $50, $80? Okay, maybe you shouldn't get back with him. He's incapable of taking care of himself. Everything else is on autopay. You can't call the bank.

I can call the bank. But you haven't. It's because now, like, when was the, does it say when the late fees were? This year. It doesn't say, like. This year. So two months this year. Okay. Yeah, that's pretty terrible. We're month five. There's been two that you've missed. It's probably January and February. Because.

Because you went on vacation that week or that month also. Who did? You did. Everywhere. Oh, my gosh. Either of you actually care to get out of this? I'm so confused. I did go on vacation. What? Where'd you go? I went on a cruise. You know what? Actually, yeah, get back together. You guys are perfect for each other. You'll pull each other down. You'll pull each other down. It'll be amazing. It'll be amazing. You guys will live in just completely forever. Yeah, you guys are perfect. Get back together. Good job.

Boom. Is that the end of the conversation? No. No, I don't think so. Yeah, no. $100 of interest accrued this year so far. This is spending a bunch of bullshit. Okay, Capital One's saver card. Yeah, that one's mine. Is it? That one's probably mine. See, that's what I'm saying. I don't know because we both have similar cards. Let's max out at basically $2,000. Okay, that's fair. Mine's way higher than that. No purchasing on this. Interest is accruing $50. $1,949. You said no purchasing? No.

I said no per... Okay, I'm just making sure. Sorry. I just got upset that you interrupted me saying numbers because we're trying to put them on screen as I say them. $1,949.98 is the balance. $68 minimum fee payment, 13 years to pay off. Jeez. I didn't realize that was that high.

What's going on with this card? I honestly don't know what's on that. I think that was just kind of like... You don't know how you got here? I don't know what I put on that card. This is probably her bulls**t card. Yeah. I mean, I don't know. Probably bulls**t card. Yeah, it's not like bulls**t, but I genuinely don't know what I put on this card at all. I just kind of... She just taps. She swipes. Yeah. It's maxed out. It's the only reason you're not purchasing. You probably did the month previous.

I think it's been maxed out for a while. Which means you continue to purchase on it the moment you can because it wouldn't be maxed out for a long time. Yeah. Because your minimum payment will bring it down slowly, but will. Yeah, I don't know what's on that. 200 hours of interest this year so far. So the 30% interest rate. Hold out your phone again. We flushed like two grand on the toilet this year on interest. Yeah, yeah. I have to log in. To Capital One? No, just give me your phone. Go for it.

That's what you wanted. Okay. We have New York Time Games monthly subscription, Apple Music sideline subscription. What's that? It was for work. Was? Well, you still... I mean... Some of these are inactive. Yeah. And then Photo Room AI photo editor. I think that one was like a free trial. Pull out your phone. Okay. Thank you. Oh, no. I don't know what I got on here. Is it just a subscription? Yeah. Okay.

You creature. You have your ringer on. Thank you. Oh, I thought you were going to talk about his brightness. Oh, my God. It's always so dark. And he always has like a night shift thing. Yes. I hate looking at it. I try to fall asleep at night. It's not night. He never turns it off. No, it's always on. You never turn it off. It's on right now, but it is dark. I turned it off. Well, I also have a privacy screen on there. Oh, my gosh. You guys are relentless. Shut the fuck up. It's on there. It's not on there. It's yours. Grinder. Grinder.

She actually makes a joke about it. I do say that all the time. He has something that goes off every hour. No, this is loading permanently. I wouldn't have been shocked. I get a notification from an app. I think it's like OfferUp, and it's like a money ding. And she's like, oh, Grindr went off again. Yeah, he's popular on there. Especially with his new haircut. That's crazy. It is a bit 2000. You don't like the blonde? Just that it's a bit 2000. Okay. Okay.

clock for me that's a built-in app though alarm clock that's crazy lens apple arcade gopro crunchy roll shutter endle not as bad as mine it's not that crazy no because well a lot of them are canceled yeah most of them were like i mean i'm kind of like i try and he has one thing in his amazon cart tv stand oh i'm not gonna buy that

Well, it's in your cart. Conveniently, both of them aren't going to buy the things that are in their cart. It's been in there for a while. Is it like a mouth or is it? He's getting work gloves. He's getting a soccer ball, dog combing shoes, pet toys, pet toys, pet toys, and a tie cable. Yeah, all dog stuff. And then I needed work gloves to protect my fingers. You're going to have his soft hands. Yeah, my soft hands.

So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees.

Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not budgeted.

broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined,

proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and course careers guided him every step of the way.

And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help, and beyond.

So if you're serious about starting a new career without wasting years or piling up debt, give CourseCareers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and CourseCareers is here to help you shape it. Okay, chase freedom. Oh, that's mine.

This one makes no sense, but you're so close to paying it off and then you put more on it than your minimum payment and then you allow interest to accrue. Why? It just doesn't make sense. You could pay this off and it could stay paid off. Why are you allowing this to be better? I just don't understand. So I think I was like trying to get into snowballing. Um,

um but like on one of the other ones like i put more yeah in classic snowball fashion you purchased on it what the f**k you're talking about i don't even what's on that what i purchased on there i'll tell you but i'm asking why the f**k you're purchasing on a card that you could pay off that is accruing interest what did oh my god come on man it's amazon and uh going and getting gas but why put it on a card that is a green interest that you can just pay off

Um, probably the Amazon is just because, uh, one of the other cards is like, was the one I was putting my Amazon on, but that one's maxed out. So like I'd put the one purchase on there and then gas. If you can't afford it, you can't afford it, buddy. And nothing on there was a necessity. The work gloves. How is that not a necessity? You think that's, was that what this was? Um, you don't know for a fact. If there's one Amazon purchase on there, it's work gloves. Okay. Okay.

Interest is accruing. Takes five months to pay off. Just pay it off now. Again, I always tell people on the show, just use the f***ing Fizz card, man. Only spend what's in your checking account. It forces you. It's like a debit card. Come on. Okay, saver card. This one's yours this time. What's on there? Well, purchases. A balance of, it's basically maxed out as well, $4,865.74. Don't look at me. Minimum monthly payment, $166.00.

I think this is a subscription card. Like, I don't even know what... Why, buddy? But it's maxed out. It's basically $120 a month is gone. I know. Taken from you. It's so bad. And you haven't made much money until recently. You're just allowing that to be pulled from your life, from your future? Yeah. Like...

I don't know, it's just, it was so bad. Before I got this job, like I don't even know how I was surviving. Like it was just all on credit cards.

And I don't, like, I don't use the card now, but anything that is, like, a subscription, because before, like, I kind of, when one card, like, the 0% interest runs out, I would just get a new card, and that's how I'd have it. And then now I have a couple cards, and then once my financial situation got worse, then I just kind of started maxing them out. That's just, you guys are made for each other. 21 years. 21 years? 21, damn. Yeah.

You can not pay that minimum monthly payment. 50. 50. Why do you want to get back together with her? I mean, she said it before. Like, there was a lot of good times. And then, like, I think we were just in a bad spot when we did break up. We'll push this over the edge. You pulled the trigger. Like, she can agree. We were both just... We'll push this over the edge.

What was the final nail? So we started getting, oh, I know what it is. We had the dog and I feel like I was taking more care of him at that point, even though he was my dog, but we got them together. Like I paid for him financially. I was supporting him financially, but we kind of split duties. Well,

He was watching or she was watching him and I was talking to my dad downstairs. She was watching him. Well, she closed our bedroom door and he was out and he ended up like peeing in the house. He was still pretty young at that time. And I went into the room and woke her up and like, hey, he peed in the house like on your watch.

And like she had done this like a week prior and like she didn't, like I was upset about that. Like she didn't want to help me clean it up. And I was just like, well, why not help him clean it up? It's an interesting final breaking point. Like that was just like a, like it was a culmination of like, okay, all like,

Our quality of relationship was like down at that point. And I'm like, I'm like, okay, you're not even really like helping me take care of the dog now. That was just like. And I know you're a little more split, but why are you considering? Well, before we get to that point, also, I was working a lot during that time. I was working 60, 70, 80 hours a week and he worked from home. So it's like, I come home, I want to sleep, which is what he, now you probably understand that a lot more now that you actually work.

a lot of hours. But it's like, I'm not trying to come home after a 12-hour day and then watch the dog or take care of the dog. Like, unfortunately, no. Like, I'm tired. I have to be up at 7 a.m. Yeah, but if you guys choose to have a dog, and I know you took care of it financially. If we're choosing, that's our responsibility. Yeah, and like, I would help out, but it was just like...

I'm tired. I get it. You know, so it's like you didn't really understand that. But it's different. You're saying I understand it now. My job is way different. No. You were working 12 hours sitting at a desk hanging out with a bunch of people. Like you were probably working, but you weren't working for 12 hours. When I go to work, it's 10 hours of manual labor. No. I'm putting up 25,000 sets. At the time, you worked from home. You maybe did 40 hours a week and you played video games also while you were working. No, I didn't. No, I didn't. That's it.

Okay. Well, so it's different. So it's like, yeah, like you should 100% have more of a, you know, responsibility. But I'm saying like he was in your care. It shouldn't be 50-50. Yeah, I was tired. Like I'm going to take a nap. Like, you know.

I'm sorry, we were living at your dad's house. I get that, for sure. But also at that point, I didn't want to be living there. I wanted to be moved out. It doesn't matter. It's still your responsibility, though. You're going to take it on. Yeah, for sure. But you need to be a little more understanding. So now he just got a new job. It's been a month and he already relinquished...

custody of the dog because he can't take care of it. So it's like, it took less than a month for you to realize working this much hours of a week is really hard. It is, especially caring for someone. So I work from 4.30 and I get home between 3. And then as soon as I get home, I go, it's been two months. Before you got rid of the dog. Yeah. And then as soon as I get home, I go to work at the remote job.

And I work anywhere from three to five hours. So then I go to bed at eight to nine. Like, when am I going to take care of this shit? When am I going to take care of the dog? Exactly. And that's what I'm saying. At that time, when was I supposed to? I'm not saying you were supposed to. So you understand now. You weren't in soul taking care of the dog at that point. I wasn't, but it's so hard. Like, you were interested in him for like 15 minutes and he peed. Okay, fine.

Why are you considering? Me? I don't know. Like, again, I've said it. You haven't convinced me here, man. No, I've said it before. Like, things used to be good. Like, things were good. And I feel like I definitely am getting in a better spot in my life. And it's just like... What? Are you? I am. You said it's only gotten worse. And I kind of have the proof of that. Okay. So where's your better? It's getting better. Your better is you slept around for a little bit. So now you know what it's like outside of him. That's crazy.

That's crazy. Okay, well, I mean, that is what happened. I didn't sleep around. Okay, you dated someone else. Okay, yeah, yeah, yeah. I slept with one person. I didn't sleep around. And you saw what it was like on the other side. Now you want to go back? Well, not just because, oh, it's not great on the other side, because, yeah, there was definitely a lot of good parts on the other side for sure. But I realized it's not crazy. It was. Like, I had a great time with said guy, but I wasn't in love with him. I broke up with him. I was like, no, I don't really see a future with you.

And it was just that versus I did see a future with him when we were together for the longest time. So yeah, I would like to have that for sure, but I don't want to move backwards, unfortunately. Her actually having that conversation with him is, I feel like a big step forward because she has a

problem with having difficult conversations. Why is it a step backwards though? I understand it's someone you've been with, but why is that a step backwards? That doesn't mean you guys aren't able to move forward together. I'm so confused. I don't want it to be a step backwards. How would it be? Because

Okay. Going into the same relationship. You're worse. No, getting into the same relationship as it. Like, I like to be taken out. So, what if it's better? But it wasn't beforehand. That's what I'm saying. I'm saying, what if it's better this time? He's not sitting on his ass this time. But I don't know that. But I don't know that. He has changed, at least in terms of the... But no, now he's working forever. Now he doesn't have time for me. But versus when he did have time for me, he still didn't spend it with me. That's the difference. So, it's like, I don't know that it's going to be better.

Because now he definitely has less time. She is like kind of true, but my job, when that was my only job, I worked it. That was solely it. And then he played video games. He sat on the couch. He didn't want to go out. We didn't want to do things. And unfortunately, I need more.

And other people would give it to me. What she won't say about that job is the freedom that I had with it. She did like that because she had freedom with her restaurant job. So she's going to want, she wants the one where, oh, we take like two trips a year. Like she wants to do stuff like that.

But obviously it doesn't look like either one of us should be taking a trip for a long time. That is true. But still, like, you see what I'm saying? She wants an exciting relationship, which it was in the beginning. Like we did go do a lot of things. Exactly. And then it got to the point where I felt irrelevant.

So yes, when he did break up with me, it was easy to leave. How much did you speak up for that? How much did you advocate for? No, she only said anything when I started a hard conversation. Like she would never initiate any conversation that was hard. And that was a big problem I had. And that's why I felt really weird. Like when we did break up, literally, like it was crickets. Like I didn't get anything out of her. Like I didn't get like an okay or like a...

Like not even her opinion on whether or not we should like no like pushback at all. Because we had basically the same conversation a couple of months beforehand. And it was literally like me begging to stay. It wasn't her. No, it was not you. I was packing up. Like, no. And that's the thing. So it's like, no, I'm not saying it's going to be a step backwards, but it could be. The purchasing you did on your basically max out saver card, dude. Yeah.

Amazon, Apple, Amazon, vending machine, vending machine, Spotify, Apple bill, Apple bill. But that's like double click Apple pay. So probably just some more bullshit monsters, whatever you're doing. Energy drinks, dumb 30% interest. I don't understand the point, man. What's the point? Why are you doing this? The interest accrued this year so far, nearly 600 bucks. Okay. Amazon chase, chase Amazon. Who? Oh, that's mine.

Okay. It says minimum monthly payment being made less than the... No, here it is. Okay. Minimum monthly payment, $57.75. Balance is $393.80. Okay. Interest is accruing. Interest is accruing across the board. Again, it's another card that you could probably just wipe off, but... Yeah, I'm working on it. Prime Visa. Oh, I think that's just a continuation.

Who's the Hyundai Sonata? That's mine. 2023? Yes. Almost 8%? Yes. Okay. It's a huge balance. Yes. It's less than it was. It should be as long as you're making your payment. $16,191.17. Minimum monthly payment. $3.60? $3.56. $3.56.34. Okay. Okay.

What is this car worth? I think it's worth, last time I looked, I want to say it's worth $23,000. Around there. Are we looking up what it's worth? What do you think? Probably. We're getting about $20,000. $20,000? But even so, that is an equity position in the car. That's not horrible. She did put a good amount down. I did. Yeah. And I'd probably sell it, get a $10,000 car, use the $5,000 in equity you're going to probably get.

Put it towards it and then only $5,000 alone. Yeah, she's not willing to change. She doesn't care. No, I'm not cheating with the car. Of course not. Why? A piece of metal. Who gives a f***? Because I like it. I don't give a f***. I want you to get out of the... It doesn't matter. She's the person I would kick off.

She's the person I would kick off. She doesn't care. She doesn't care. She's not willing to sacrifice. She's not willing to compromise. You're 21. You'll have so many more opportunities for nicer cars. Who gives a fuck? Make a temporary sacrifice. Get out of debt. Get a fully funded emergency to have fun and stuff around. Dude, it doesn't matter. It's a car. Who gives a fuck? Who cares? Yeah. Who cares what the person... It doesn't matter.

Yeah, I will say, like, she did buy this car. Her car before that was a pretty piece of shit. I'm not saying get a piece of shit. I know. And I wasn't going to. And so, like, I don't know. What is this? Her relationship is strained with her parents. All y'all's relationships are strained. I don't know what that is. That's my car note. Okay, what's your car? 2012 F-150. Great.

So you can haul your groceries and throw it. Well, I got it for a reason.

Um, when I moved out to Colorado to be a snowboard instructor, I had a different car. That was actually a piece of shit. And on the way to Colorado, driving to Colorado. Justify, justify, justify, justify. On the way to Colorado, we were driving the tire. Well, guess what? You've had this for a while. It's used and yet you're still underwater like 4,000 bucks. How'd you get the car? Yeah.

How'd you get the car? It got bailed out again. My mommy. So when I moved out to Colorado, I didn't have any money. My mom lent me. Is it jealousy or concern? No, it's just because he does it. It's definitely concern. It's definitely concern. I don't know. Hey, my mom, she lent me $3,500 to put down on it. Listen, you're never going to learn your lesson, though, if you always have something to fall back on. I know. That's why I don't like. That's why I'm like, I'm working on moving out now. And I mean, I did. Mommy. No, I live with my dad.

No. Same thing. Same. Yeah, I know. And you? I live by myself. Okay. Do you look down on him for this? No, but it was definitely... Yeah, she kind of feels like it. I do. I do. Yes. But, like, she can't say that. I've lived away. Like, I lived on my own in Colorado. Like, I paid my bills. Yes. Like, we lived together in Jacksonville. Yes. Like, I have lived away from home. And, yeah, I have gotten parental financial support, but, I mean...

if they're willing to offer it. But I feel like it has held me back.

But it's just when we were together, we both lived there with his dad. And it was only supposed to be temporary, and it wasn't. How long? It was like six months. It was what it was supposed to be. How long was it? It was six months. No. We lived with your dad for a year and a half. No, we moved there. It was supposed to be six months, and then you decided you wanted to go to Colorado. So I stayed there for another six months. And then you moved back, and it was another six months. It was a year and a half. And it wasn't supposed to be like that.

But it was. It's basically $12,000. $11,888.47. $357 minimum monthly payment. What's the interest rate? It's high. $13,000 maybe. $12,000. $12,000.

And you're dogging on me for my car when you did the same exact thing, but worse. Well, I got it because I had to drive 40 minutes through the Colorado mountains to get to work. So the only cars that people have there are trucks? Four-wheel drive cars. The guy who moved there with had a Volkswagen Jetta and he did fine. Yeah, well, there was also day... And you know I drove every day to work, right? No, I did not. He drove like...

He drove the occasional off day. Like, if we had an off day and he wanted to go snowboard, then he drove. Like, if there was, like, any real snow, he couldn't go. Is that all the debt? I think that's all the debt. What was the Bank of America checking account? What was the Bank of America checking account with $825? That's me. Went down from $1,322. God, I think I paid stuff off. You just spent on the credit cards, so...

Make up whatever amount you put towards it, so it doesn't even matter. You're getting energy drinks, McDonald's, Amazon, employee's lounge thing. Energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy drink, energy, energy, energy, energy, energy. Sally Beauty. For who? Wait, what? Sally Beauty. Oh, that's for my hair. I dyed it blonde.

Energy drink, energy drink, McDonald's, energy drink, energy drink. Probably more in there. Keep going. Energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, energy, energy. What the f*** is wrong with you? Buy a bulk, you dumb. You're stopping money. And each time. Yeah. I need the energy drinks to go to work. And it's hard to. Dead bias.

But then you would be like, oh, are we buying energy drinks on Amazon? Yes, I would because you should brew coffee. It's honestly cheaper, but even still, it would be better. Objectively. Financially. Sometimes I try to drink the coffee at work because it's free, but it's so bad. I said brew coffee. You can make good coffee and it's affordable. I don't know how to do that. Are you...

It is literally the easiest thing. Also, I don't really like, you know. There's like two coffee makers at your house. Yeah, well. And one's a Keurig and one's an espresso. Ask Daddy. He will help you, little boy. There's actually one because they're all broken. Oh, is it the Keurig I got him? Oh, no, only one. No, that one broke too. Sounds like it works. I just don't like coffee as much. I really like the white monster. You zelled money out and you Venmo'd money out. Your checking account, $350.

Eight. Started at $1,149. Nothing to show for the maxed out credit card. Zellen money out. Noodles. Uber. Going in and getting some bullshit. Steak and shake. Marketplace. Steak and shake. Venueing out money. Bubble down one. How many dates do you think are in here? Probably not on my card. Oh, that's a shot at me. Because she was the man in the relationship. I couldn't pay for him, I guess. Whatever. He asked. Bullshit.

getting waxed before flying here with you. No. Getting waxed again. Or a tip wax. Wax tip. Uber Eats. Amazon Marketplace. Amazon Marketplace. Amazon Marketplace. Going and getting some bullshit. Zelling out money. Cash tapping out money. TJ Maxx. Chuck E. Cheese. All right, you predator.

Cash tapping on money. Chuck E. Cheese. It was with, I can't say names, but yes. I'd hope so, though. No, it was just funny. Fresh kitchen. Vending on money. Zelling on money. And bull. This is stupid. It's so pointless. Savings $862. Not a retirement for either of you. I do have a 401k, but it's not a retirement. How much for each? $8.

Probably like three grand maybe. Mine was good, but when I moved to my new job, they didn't offer 401k, so I did pull some of it out. Wow. That doesn't make sense. No, no, no. What's the logic? Because they didn't offer, you pulled out. That doesn't make sense. Well, to roll it over. Oh, you rolled over. To an IRA? Some of it and some of it I pulled out. How much did you pull out? I pulled out $4,000. Why? Why?

Because, like, I don't know. Because I don't know? Because I just pulled it out. Oh, for f**k's sake. That's so moronic. I know it is. I know it is. How much is left? $2,000. Oh! So is that six? So, you want, this is what you want? Wait, did you not get a penny? Buddy, you need to get on the apps. I don't like the apps. No one does, but you need to move on.

They're terrible. They're so bad. They are, but you need to move on. Well, I had more in my 401k than you did. But yes, I pulled it out. You had less. It doesn't matter. I don't give a fuck about that then. How much do you have in yours? Only my like 3k. Okay. I don't give a fuck about the past. It doesn't matter. Good or bad. I'm only judging on now. Yes, I know. This isn't the fucking internet. Well, it kind of is. But I have a 401k now, my new job, and I'm contributing to it. So we're building it back up.

Mine should be more, but I... How do I make a budget here, guys? You're two independent people. I've never had this before. What am I supposed to do here? What am I supposed to do here? Separate ones. Oh, f***. That would make the most sense. Alright, well, let's start with the one who's f***ed. Which is who? You. What's your income now? It was like, it's $4,200 now, right? Okay. What's your rent? $2,100. Yeah. Why? Why?

So obviously when we broke up, I moved out and I signed the apartment I liked the most that I wanted to get. And I definitely shouldn't have done it, but I really like where I live.

But yes, it's expensive. I told her not to do it. I said it was so dumb, but she was going to be paying like two grand. Anyways. For a house that we got because I was broke. Yeah. So I was like, if I was going to spend it on him, why can't I just spend it on myself? So it was very spiteful. So I did it. She's got a lot of spite over there. I do. I am very, I'm a very spiteful person. Minimum monthly debt payments are $710.34. Okay.

Utilities, including internet. How much? Internet's in the rent, and I believe water's in the rent, but my electric bill's about $70. That's not horrible. Gas, room, drive, drive. Right now, $150. It will change in the next two weeks. Two? Let's budget for that. I want to say, let's say $100 just to be safe. Okay, car insurance? Car insurance is $230 a month. Phone bill? That one, that one's a little rough. What? It's like $175.

TP fund, $100. Makeup, tampons, whatever the f*** you need. Food, $300. Use the cookbook, cook for each other if you get back together. I don't give a f***. Medical healthcare, anything that needs to go on a monthly basis? It'll come out of my pay in like 30 days when my 90 days is up. Pet insurance for the dog? I also get it through work. Pet food? $100 a month. Gym? $26 a month. Anything else?

Oh, shoot. I don't know. No subscriptions. I would say, I think, honestly, essentials, needs, that's probably it. Yeah. Okay. You need $3,910.34. Lucky with that. My rent will be going down shortly because my lease is almost up. When does it end? It ends August 16th.

And I already have a place. How much is it going to be? It'll be $1,000. Good. Flat. That's good. I know. So at that point, we'll budget for there. That's going to be $1,389.66 left. Mm-hmm. Once you move. Once I move, yes. You're going to trade, get your car. Your car, you're going to owe $5,000 for your new car because that's what you're going to do because you're not going to bullshit because you're not a child. Don't be dumb. $1,000...

Wow, that Freedom Flex is crazy though. Yeah. Your total debt is $15,888.78, I think, unless I'm missing something. Am I missing something? That should be everything. I don't think I owe anybody any money. No, I have... That's if you sold the car. That's if you sold the car. Yeah. Yeah, good.

One, three. If I don't, it's what? Math-wise. Yeah, under a year, you're debt-free. That's what you're going to do, except you're only getting worse. So that's what you have to do. You're only getting worse, stop. That's what you have to do to get out of debt. Well, I didn't re-sign my lease, so that shows. Yeah, but you're only getting worse in your behavior. You're giving up. You're changing apartments. It's a very minimal thing. That's a big thing when it comes to income. Yes, but it's not behavior. Behavior.

You're just going to spend the extra money you have. She's actually getting a nicer apartment. $4,000 is your income. You don't have rent. Do you pay anything to dad? $500. Is that for utilities and everything too? Yeah. Cool. Let me get your debt payments. Your minimum monthly debt payment is almost identical. We really are for each other. $742.41. Gas from drive-drive. Let's just say $100 a month. My brother gives me money. $130. Phone bill?

I don't have one. Mom pays it. Okay. How does the grocery situation work at home? Um, like since I work so much, I don't buy that many groceries, but I do buy my own food. Well, you could be meal prepping. Then $300 TP fund just as with her a hundred dollars, medical healthcare, anything that needs to go out, co-pays, whatnot. Jim? Um, 26 a month. Okay. Anything else that needs to be in your budget that I've not put in there? Um,

No, I think that's it. Yours is a lot easier, but also more dense. So $4,000 is what comes in. Again, a minus what's required to live, $1,898.41. You have an extra $2,101.59 left over. That's crazy. Yeah. You have $29,627.02 of debt.

And then for you, it takes just over a year to pay off. Then you guys can get together and all up over again. Listen, I don't know. I don't know, guys. We're going to get into more drama that I wanted. I know this is a lot of drama, but I kept trying to bring it to finances. So there's more drama we're going to do in the post show. So stick around. Then I'll give my final verdict whether or not they should get back together. So make sure you subscribe to that. The Hammer Elite membership is the best YouTube membership on the history of the platform.

They have told us that themselves, the platform. So check it out. It really helps support the channel. A lot of extra content, thousands of hours. Hammer Financial Scores. Go you. Spend it in a budget.

You didn't overspend. You were about half, but you still spent a lot of money that should have gone towards that. I'll give you a 4 out of 10. Debt, it's pretty bad. It's not horrendous. It's not the worst thing in the world. 2 out of 10, though. Emergency fund, no savings as far as I saw. 0 out of 10. Retirement, definitely behind for your age for sure. About a 2 out of 10 with that. Real estate, 0 out of 10. Your hammer financial score... Not terrible. ...is rounded up to a 2 out of 10. And you...

Yeah. Well, you have some kind of stripper name that we gave you. What is it? Violet. Yeah, I know. Wasn't a big fan, but... Better than Destiny. That's crazy. Oh, just kidding. What? We know someone. No, her name's not Destiny. Never mind, just kidding. Actually, it was a streamer named Destiny, but I don't think stripper with that. Yeah, no, no, no. No Destiny. I was like, no. You're spending a bunch of your overspends. You're out of 10 debt.

It's not that bad, but you are over maxed out on the cards, so I can't give you any higher than 1 out of 10. Emergency fund, you had a little bit in savings, 1 out of 10. Retirement, pulled out. But for your age being younger, you're all equal at 2 out of 10. Real estate, 0 out of 10. What? I was going to say I still have some in there. Yeah, but you still pulled out. It's dumb. I know. Hammer financial score rounded up to a 1 out of 10, so you win by a little bit. Guys, join us for the post show. It's going to get juicy. Going to pull out some extra drama that we didn't talk about. Demonetization reasons and just...

I would...

He's considering getting back with you and you're considering moving across the country and he doesn't even know this? I have no idea. Glusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.