transcript

Speaker 1:
[00:00] To watch episodes of Financial Audit a week earlier, check us out on YouTube.

Speaker 2:
[00:03] Our boyfriend has been living with us now for years. And not paid a dime.

Speaker 3:
[00:10] They're just kinda two faced in a way, and they can be a little rude at times.

Speaker 2:
[00:14] Part of it too, I mean, I am tired of doing everything. I mean, I literally do all of it. He'll go to the gas station, and he'll sit there in the bathroom for hours.

Speaker 1:
[00:27] Is this not all extra sketchy spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom? That would make me think drugs.

Speaker 3:
[00:34] I don't even know how I started vaping. I started vaping when I was like 15, 16, something. What about you guys?

Speaker 1:
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Speaker 3:
[01:26] Hi, I'm Beth. I'm 21.

Speaker 2:
[01:28] I'm Amy. I'm 44.

Speaker 4:
[01:30] And I'm Nick. I'm 45. And we're from Little Rock, Arkansas.

Speaker 3:
[01:33] And this is Financial Audit.

Speaker 1:
[01:36] Okay, so I clarified before we started filming, they're not all, this isn't a throuple.

Speaker 3:
[01:40] No.

Speaker 1:
[01:40] Which is what we had before. This is a daughter situation.

Speaker 3:
[01:44] Right.

Speaker 1:
[01:44] Which has never happened in the history of Financial Audit. So I'm very curious to learn what's going on here. However, I sat down and I was immediately whispered right here that they're already arguing before I even stepped in here, about her mom won't pay off Beth's debt. You guys were arguing before we even started, before I was even in here to see the argument.

Speaker 3:
[02:03] It's not so much pay off my debt. It's just, she thinks that she did a lot by telling me verbally what to do. Wish she would have pushed back a little bit more with the animals.

Speaker 2:
[02:15] To be transparent, we saw the statement and I said, Ooh, $4,800. That's not my statement.

Speaker 1:
[02:20] Is this your first time seeing the statement?

Speaker 2:
[02:22] Yes. Well, I knew it was a lot. I didn't know how much it was. And I tried to tell her from the very beginning, when she got the credit card, pay it off, don't let it go through the roof. And here we are.

Speaker 1:
[02:37] Usually a good perspective to have. Why do I have a daughter and parents on this show? Because I've never had this. What the is going on?

Speaker 3:
[02:47] So they needed the help, so I dragged them up here. We.

Speaker 2:
[02:51] Not her.

Speaker 3:
[02:52] They needed the help. Sure.

Speaker 2:
[02:54] Right.

Speaker 1:
[02:55] Yeah, is this true?

Speaker 2:
[02:56] I mean, we do, yes, but so does she.

Speaker 1:
[02:58] Why is she on the show? Because usually when parents need help, I have the parents on the show. Why are you on the show?

Speaker 3:
[03:04] I don't think mine's really that bad. A large portion of it.

Speaker 1:
[03:07] Why are you on the show?

Speaker 4:
[03:08] She just didn't want to do it by herself.

Speaker 3:
[03:10] Yeah, I don't do anything by myself.

Speaker 1:
[03:13] Okay, I mean, I have, that they kind of brought you on with them. They want you to move out. You're not moving out. You're not even in a place to move out, but they want to get you the f*** out of the house.

Speaker 4:
[03:25] It's time.

Speaker 1:
[03:25] So, come on Financial Audit.

Speaker 2:
[03:28] But she told me a month or so ago that she wasn't leaving the house. She wasn't going anywhere and that we were going to be stuck with her forever. That was not okay with us, because her boyfriend has been living with us now for years. Years? And not paid a dime.

Speaker 1:
[03:47] Well, have we talked to boyfriend?

Speaker 2:
[03:49] Yes.

Speaker 1:
[03:50] What has boyfriend said?

Speaker 3:
[03:52] He doesn't think that the money that he would give would go to what it needs to go to.

Speaker 2:
[03:57] Does that matter if it's rent?

Speaker 1:
[03:59] Thank you.

Speaker 3:
[04:00] Not really, but...

Speaker 1:
[04:02] Why is he allowed to stay there? Why have you allowed him to stay there?

Speaker 2:
[04:06] His life upbringing wasn't that great, and so we took him in. Okay, well, that's okay.

Speaker 1:
[04:13] But are we taking him in, or are we charging him rent? Which one is it?

Speaker 2:
[04:16] Well, so originally we took him in, and then we asked him to pay, and it's not a lot, a hundred bucks a month. That was it, because we knew he didn't make a lot of money at the time. And so, you know, he paid that for a few months, and then it just kind of trickled off.

Speaker 4:
[04:31] And my thing is, we took him in when he was a kid. So, therefore, we didn't charge him rent because he was young. But he's an adult now. So, it's like, you know.

Speaker 2:
[04:40] But he dictated when to stop paying us. And then I never went back and asked him to start paying again. It's been years now since I've gotten a dime from him.

Speaker 1:
[04:50] And you? So, we've talked about it. You're the one that wants to amount a bit more.

Speaker 4:
[04:53] I mean, I just think it's time. I moved out when I was 18, you know, been on my own, handled myself.

Speaker 1:
[04:59] Well, that's fine. It doesn't mean they necessarily need to move out.

Speaker 3:
[05:02] It was a very different time.

Speaker 1:
[05:04] What was different, specifically?

Speaker 3:
[05:05] It's just a lot more expensive now.

Speaker 1:
[05:07] In which case?

Speaker 3:
[05:08] Everything. I'm living.

Speaker 1:
[05:10] It's incorrect about everything. Now, buying a house is more expensive. That's more expensive. The cost of housing, healthcare, education is what has gone up. The cost of everything else in terms of relation to percentage of income has gone down, as in you buying food from when he was a kid. You buying groceries is down.

Speaker 3:
[05:27] And I've always been told not to rent. I've always been told to buy.

Speaker 1:
[05:31] What, you're telling her she can't move on unless she buys?

Speaker 2:
[05:33] But she's not renting either.

Speaker 3:
[05:35] But also with the amount of dogs that I have.

Speaker 1:
[05:37] But also it is a dual income household. It's you and the boyfriend. It's not just you moving out, right? So this is different than just kicking you out at 18 with nothing.

Speaker 3:
[05:45] Yeah. With the dogs and the animals, it would be hard for us to find somewhere to go.

Speaker 4:
[05:51] So they're at our house. You know what I mean?

Speaker 3:
[05:54] Yeah.

Speaker 1:
[05:54] Well, how many animals?

Speaker 3:
[05:56] I have six dogs and two ferrets.

Speaker 1:
[05:58] Okay.

Speaker 4:
[05:59] And had a raccoon for a little while.

Speaker 3:
[06:01] And I did have a raccoon.

Speaker 4:
[06:02] And see, we have a six-year-old son too that isn't home.

Speaker 3:
[06:06] Yeah.

Speaker 1:
[06:06] Okay, they clearly want you out, because this is insane. Get the out.

Speaker 3:
[06:10] And that's the-

Speaker 1:
[06:11] It's not your house. I don't care if you say they're through 25, it's like the parents are down with that. They're not, they want you to leave. I'm glad I'm getting lots of yes from you, but-

Speaker 3:
[06:21] It's very funny that they're saying that now because they've never said that to me before.

Speaker 1:
[06:26] Really?

Speaker 2:
[06:27] Dad has spoken it to me multiple times. I am the one who is, I'm okay with her staying with us until she's financially ready to move out.

Speaker 1:
[06:38] What does that look like?

Speaker 2:
[06:39] When it's financially ready. But I don't know that that will happen until she gets a raise at work. Well, not with enablement.

Speaker 1:
[06:45] I mean, we already-

Speaker 5:
[06:45] I am an enabler. I know, I am an enabler.

Speaker 1:
[06:48] Hold on, I'm glad you're both agreeing with me. That makes me feel absolutely thrilled and warm inside. Then why the aren't you doing anything about it?

Speaker 4:
[06:58] Because I'm weak, I guess, when it comes to-

Speaker 3:
[07:01] Well, I-

Speaker 1:
[07:03] Beth specifically told Colton that nobody trusts each other in this family. And the boyfriend doesn't trust anybody in this family. So if there is a lack of trust, if there is a lack of communication, if there is a lack of holding anyone accountable, or just endlessly- if there's nothing here, we can't even trust each other?

Speaker 2:
[07:18] Well, I don't know. Hang on. Now, I don't know where the trust issue came in.

Speaker 1:
[07:22] What's this trust thing, Beth?

Speaker 2:
[07:24] Yeah.

Speaker 3:
[07:25] The trust thing is with my dad. I don't have super bad trust issues with my mom. It's my dad that I have a lot of trust issues with.

Speaker 1:
[07:32] What?

Speaker 3:
[07:33] Just because he's not around much, and so-

Speaker 4:
[07:37] Why is that?

Speaker 1:
[07:37] Because you're not trusting him? What is this not around?

Speaker 4:
[07:40] I do work quite a bit.

Speaker 2:
[07:40] He works quite a bit, but-

Speaker 1:
[07:41] Okay, that's working. Why is that trust?

Speaker 2:
[07:43] Okay, I think I know where she's going with this. It's the shop time that gets- She runs in lots of motel things?

Speaker 1:
[07:49] Then what is this trust?

Speaker 3:
[07:50] He's like best friends with my uncle, and he's over there a lot, and so I just don't like-

Speaker 1:
[07:56] What, you think him and his uncle are doing something weird? Then what is this trust thing? I'm confused how that equals trust. And if that rubs off on your boyfriend, and your boyfriend's not paying rent, so the boyfriend doesn't even respect the people that is keeping the roof over his head. He's not even paying anything in the lack of trust because he hangs out with your uncle, which is his brother or brother-in-law.

Speaker 4:
[08:18] He's not paying rent anyway. Why does that matter what I do with the money? I can't.

Speaker 1:
[08:22] Is that what it is? Is it about what he does with the money?

Speaker 3:
[08:25] I think so. What do you mean?

Speaker 1:
[08:26] You think so? You're the one that said you don't trust him.

Speaker 3:
[08:29] No, I don't have trust issues with them.

Speaker 1:
[08:31] No, you said you have trust issues with your dad. You literally just said that. You can't just pull that back now.

Speaker 2:
[08:35] I know where my trust issues come from with him. I can speak to that because of the spending and spending habits. Who's to say you go to the gas station? Who's to say you're not taking an additional $20 out? For what? Well, there's just a lot of gas station charges throughout the day. Why? What are you getting?

Speaker 4:
[09:04] I do spend a lot on sundry items, food, drink, cigarettes.

Speaker 1:
[09:10] Oh, dude, you're killing yourself.

Speaker 4:
[09:11] I know.

Speaker 1:
[09:12] All right, buddy, listen. Here, take this. Here we go. Have this energy drink, Grandma's Ashes. Listen, they're very goony names, but Gamersubs is honestly absolutely delicious. Everyone that tries them absolutely loves them. So no more stopping and getting your bullshit. I can't make the cigs work for you. That's nasty anyway, but take that. It's 40 cents a serving with my discount code, which is 10% off. Get your free samples. Link in the description below at Gamersubs. Just type in my code. But seriously, make your energy drinks at home. It's like making your coffee at home, man. It's delicious and it's the best way to save. So no more of this gas station, because again, I would get it. If she's... Are you like running the house?

Speaker 2:
[09:47] I am.

Speaker 1:
[09:48] Okay, and then he's just taking money, taking money, taking money, taking money. And it's for who knows what the... Yeah, I would have trust issues there too, but why don't you bring up what's going on?

Speaker 2:
[09:59] That's part of it too. I mean, I am tired of doing everything. I mean, I literally do all of it. There is little to no help at the home.

Speaker 5:
[10:12] I was going to argue with that, but I can't.

Speaker 2:
[10:13] I don't think you can argue with that. There is no argument there, because I literally clean the house, cook the food, take care of the kids. I wash a full time job.

Speaker 3:
[10:23] I will say, when she does get help, it's not...

Speaker 4:
[10:24] But I'm not the only guilty one.

Speaker 2:
[10:26] It's not helping. I am a little overpowering. I get that.

Speaker 3:
[10:28] No, I was going to say is that even when she does get help, she usually backtracks and does it herself anyways. Because she likes it done a specific way.

Speaker 1:
[10:36] She takes money from the account. Is this your personal account or is this a shared account?

Speaker 2:
[10:40] A shared account.

Speaker 1:
[10:41] Okay, so it's not taking money from your account.

Speaker 2:
[10:43] But I am the breadwinner, so...

Speaker 1:
[10:46] Really?

Speaker 4:
[10:47] I am. Yeah, she makes good money. I mean, she makes good money.

Speaker 1:
[10:50] What do you do for a living?

Speaker 4:
[10:51] I work for a transport company, tow truck.

Speaker 1:
[10:53] Okay, what do you make?

Speaker 4:
[10:56] It's $10.99, so it fluctuates anywhere between $7,000 to $1,000 a week, roughly.

Speaker 2:
[11:01] Anywhere between $40,000, $45,000 a year.

Speaker 1:
[11:04] That's gross.

Speaker 2:
[11:05] Well, so it's $10.99.

Speaker 1:
[11:07] Are you setting adequate money aside for taxes?

Speaker 4:
[11:10] Any financial...

Speaker 2:
[11:11] No.

Speaker 1:
[11:12] What?

Speaker 3:
[11:12] No.

Speaker 2:
[11:13] She's just shaking her head.

Speaker 1:
[11:15] Well, how do you even know?

Speaker 3:
[11:17] Because me and my mom, we talk a lot about finances.

Speaker 1:
[11:21] Are you...

Speaker 2:
[11:22] I'm not setting money aside. You know that.

Speaker 3:
[11:25] I'm kind of...

Speaker 2:
[11:26] For taxes?

Speaker 1:
[11:27] Oh, no, no, no, no. Are you venting to your daughter about your husband's finances, about her father's finances, to your daughter? It's a bit odd, isn't it?

Speaker 2:
[11:34] About the expenses, yes. How much he spends on a daily basis is outrageous. I mean, if your paycheck without... Hang on. If your paycheck without tax being taken out is $7,000 to $1,000 a week, and you go to the gas station and you spend $200 a day, and I'm not exaggerating, it can be up to that much. Your paycheck is not $700 to $1,000.

Speaker 1:
[12:00] This is, yeah, this is a mess. And listen, I do have a note that Amy was talking about how she has threatened to leave multiple times. Did you even know this?

Speaker 2:
[12:11] I did, too.

Speaker 3:
[12:12] Yeah.

Speaker 2:
[12:12] You know this.

Speaker 3:
[12:13] No, I know. He knows this.

Speaker 1:
[12:14] No, did you know this? She was present. As a daughter? You were present?

Speaker 3:
[12:17] Why?

Speaker 2:
[12:18] She was older.

Speaker 1:
[12:18] Why would we have that?

Speaker 4:
[12:20] Because she lives there. I mean, if that's there, if she's gone.

Speaker 1:
[12:22] Yeah, but go somewhere, you freaks. What the? Why do you want to do that in front of your daughter?

Speaker 3:
[12:27] It was a little bit of an intervention type of situation.

Speaker 1:
[12:29] Tell me what happened. This is important.

Speaker 2:
[12:31] He was making not so great choices.

Speaker 1:
[12:36] What were you doing?

Speaker 4:
[12:38] Nicholas? Head issues.

Speaker 1:
[12:46] Who's going to say something? Who's going to tell me what the is going on? In this small house with six people.

Speaker 2:
[12:54] He had a drug problem about four, well, five, six years ago.

Speaker 1:
[13:02] That's when you threatened to leave? Nothing sooner?

Speaker 2:
[13:04] No, that was when I threatened. It was either rehab or I was leaving.

Speaker 4:
[13:10] Oh, good.

Speaker 1:
[13:11] And?

Speaker 4:
[13:12] Went to rehab.

Speaker 2:
[13:13] Went to rehab.

Speaker 1:
[13:14] Good, I am happy to hear that.

Speaker 2:
[13:16] Yes, that was, so she was there because it was kind of an intervention type thing.

Speaker 3:
[13:22] And they pulled me into the living room.

Speaker 2:
[13:23] And she was old enough.

Speaker 3:
[13:24] And I automatically thought it was just a divorce, because I had no idea.

Speaker 4:
[13:27] Because I was going away for three days.

Speaker 1:
[13:28] The were you doing? Which one?

Speaker 4:
[13:30] What was I not?

Speaker 1:
[13:32] Really, all of them?

Speaker 4:
[13:32] I mean, not all of them, but... and weed and all that was...

Speaker 1:
[13:36] And weed. You've been clean ever since? Good lad. Happy to hear that. What a dysfunctional household, huh? How big is this house with six people and a thousand animals?

Speaker 3:
[13:48] So we have six dogs, two ferrets, five people under there. It's a three-bedroom trailer with one room. But we don't even have that now, because a tree fell on our house Sunday night.

Speaker 2:
[14:00] We had, so Sunday night, straight line winds.

Speaker 1:
[14:02] Sunday?

Speaker 3:
[14:03] Sunday. This Sunday? This Sunday.

Speaker 1:
[14:05] Oh, for sake, where do you guys live now?

Speaker 2:
[14:07] We're couch hopping at the moment. Living with my, staying with my parents at the moment.

Speaker 1:
[14:14] And with all the animals? Why do you want to live there? Why haven't you tried to get the out? Now I'm putting more blame on you. What the is wrong with you? Why are you staying there? I would want to escape immediately, drive away. What are we talking about? We had an intervention five years ago. What were you, like 17? What the are we doing? Your boyfriend, don't you want intimate, private space with your boyfriend, as in him sticking in inside of her?

Speaker 3:
[14:38] I have no rent.

Speaker 2:
[14:38] And that's been walked in on a few times.

Speaker 3:
[14:41] That's TMI.

Speaker 1:
[14:43] You walk in on them dittling?

Speaker 2:
[14:45] I knocked on the door. I knocked on the door. It was...

Speaker 1:
[14:50] Girl, how is that not dramatic enough to get the out?

Speaker 3:
[14:53] Because it's free rent, and I've maxed out my credit card.

Speaker 1:
[14:56] Free rent and no privacy, and a thousand animals, and a trailer that doesn't even exist anymore, where interventions and no fight or trust happen.

Speaker 3:
[15:05] I put myself in a position where I can't. I put myself in a position where I can't.

Speaker 1:
[15:09] And what's that? What about you and your boyfriend, though? What the does your boyfriend do? Maybe he should be the fourth one at this table.

Speaker 3:
[15:14] He should be.

Speaker 1:
[15:15] What, is he a coward? I got a strong yes from Amy.

Speaker 3:
[15:20] He couldn't get off work. He's, yeah, he's a...

Speaker 2:
[15:23] I don't think he wants to be called out because he knows he's in the wrong by not paying rent and not, you know, I mean...

Speaker 3:
[15:29] I don't think he thinks that not paying rent is really that big of a deal.

Speaker 1:
[15:32] Well, I think you're in love.

Speaker 3:
[15:35] Well, yeah.

Speaker 1:
[15:35] So you probably can't see much bad from that side.

Speaker 3:
[15:38] Yeah.

Speaker 1:
[15:38] This is a mess. And then, OK, there's the other kid, very young kid. Six, which also lines up with, I mean, you were like, you were up when this kid was born.

Speaker 4:
[15:50] Yeah. Yeah.

Speaker 1:
[15:53] You were vibing with that?

Speaker 4:
[15:55] Well, she didn't know.

Speaker 1:
[15:55] It's OK, because it's good now. You were hiding that?

Speaker 4:
[15:58] Oh, for...

Speaker 1:
[15:58] You can hide that well?

Speaker 2:
[16:00] Not well enough.

Speaker 3:
[16:01] Not well enough.

Speaker 2:
[16:02] No, he thought he was. He thought he was, but no, I knew.

Speaker 1:
[16:05] How long was it?

Speaker 4:
[16:06] Been a long time.

Speaker 3:
[16:07] Huh?

Speaker 4:
[16:07] Did it for a long time.

Speaker 1:
[16:08] Really? How'd you find out?

Speaker 2:
[16:11] I found it a couple of times.

Speaker 1:
[16:13] Couple of times?

Speaker 2:
[16:13] Over the years.

Speaker 1:
[16:14] I'm glad you guys did the intervention. I really am.

Speaker 2:
[16:17] But I found it a couple of times.

Speaker 4:
[16:18] But it had to come to that for me to change.

Speaker 2:
[16:20] Well, and it was because he wasn't going to, and I knew that because I threatened. All I did was empty threats, which was enabling him, and I get that.

Speaker 1:
[16:28] We're kind of doing that here with something that's not as bad, obviously, but I feel like we're kind of getting that here. You guys are pushing more so him to get her to move the up, but we're not really actually doing anything to achieve this.

Speaker 2:
[16:44] Well, now she has no choice but to, because we don't have a home.

Speaker 3:
[16:47] Yeah, we don't have a home.

Speaker 1:
[16:47] Yeah, but you're living with your mother. It's another situation where it's like, we could just do it comfortably.

Speaker 3:
[16:52] Yes and no.

Speaker 1:
[16:54] Yes and no.

Speaker 3:
[16:55] They're different people.

Speaker 1:
[16:57] What?

Speaker 3:
[16:58] They're just kind of two-faced in a way, and they can be a little rude at times, and it's not something that we wanna, I think they can be challenging, but that's how parents are.

Speaker 4:
[17:09] I mean, it's because they don't want us living in their home forever.

Speaker 3:
[17:12] No, I get that. Yeah.

Speaker 2:
[17:14] We're invading their space. I mean, granted, given the situation.

Speaker 4:
[17:17] But see, that's how we feel to them. Y'all should feel the same to us, you know, that y'all are invading our space.

Speaker 3:
[17:21] Well, yeah, but y'all haven't made me feel that way. I'm sure if y'all did make it. Well, you're never home to tell me that anyways.

Speaker 1:
[17:28] You're never home?

Speaker 2:
[17:29] No.

Speaker 4:
[17:29] I work a lot, man.

Speaker 2:
[17:30] He's not.

Speaker 3:
[17:31] He works weird hours.

Speaker 1:
[17:32] To bring in, I'm sorry, what was your net again on a monthly basis? No, yeah, what comes in on a monthly basis before we set aside money for taxes, which we don't?

Speaker 2:
[17:41] Anywhere. I mean, if you went with the thousand, which it's been a while since that's happened and hit a thousand, that'd be four thousand.

Speaker 4:
[17:49] But I'm probably putting in 65 hours a week, roughly. Okay.

Speaker 1:
[17:53] And crashing your tow truck, I'm being told.

Speaker 3:
[17:55] I've done it once, once.

Speaker 4:
[17:58] The dump truck.

Speaker 3:
[17:59] Yeah.

Speaker 1:
[18:00] And hang out with the uncle. There was no drug problems with the uncle, right?

Speaker 4:
[18:03] No.

Speaker 1:
[18:04] Okay, good. Yeah.

Speaker 2:
[18:05] But that was what? Yeah, I think you had two accidents, actually.

Speaker 4:
[18:08] Well, and the dump truck.

Speaker 2:
[18:09] Oh, the dump truck.

Speaker 4:
[18:10] Yeah, not so drunk.

Speaker 1:
[18:11] So I'm confused. Four thousand hits his account on a monthly basis.

Speaker 2:
[18:13] Correct.

Speaker 1:
[18:14] Okay. What are you doing, Amy?

Speaker 2:
[18:16] I'm an office manager.

Speaker 1:
[18:17] Okay. What do you make?

Speaker 2:
[18:19] I just currently got a raise, so I make eighty two thousand a year.

Speaker 1:
[18:25] Why are we in a trailer?

Speaker 2:
[18:27] So there's a long story behind that.

Speaker 1:
[18:30] I don't need that. But Little Rock is not an expensive place.

Speaker 4:
[18:33] No.

Speaker 2:
[18:34] So we purchased the five acres right next to my parents.

Speaker 1:
[18:40] So we're already up in their space anyway.

Speaker 4:
[18:42] Right.

Speaker 2:
[18:43] They love it.

Speaker 3:
[18:43] They like it.

Speaker 2:
[18:44] They love us.

Speaker 1:
[18:45] I thought you said they're two faced.

Speaker 3:
[18:47] They are, but they do love us.

Speaker 2:
[18:49] They're two faced, but they love us.

Speaker 3:
[18:50] It's my grandpa. My grandma is great.

Speaker 1:
[18:53] What's your grandpa doing?

Speaker 3:
[18:55] He's just being a douche. The words that he uses. He tries to piss somebody off.

Speaker 1:
[19:00] What's he saying to you?

Speaker 3:
[19:02] This week, we've been living with him, and the remote, he couldn't find the remote, so he texts in the family group chat asking, and everybody says no. And then, what did he say?

Speaker 2:
[19:14] He said he's not the only one living there now.

Speaker 4:
[19:17] He's just like these little jabs.

Speaker 2:
[19:19] How old is he? He is 68.

Speaker 3:
[19:23] But he doesn't act that way with me.

Speaker 2:
[19:25] He doesn't, and I don't think he real... I think she is just negative towards it and took that as...

Speaker 3:
[19:30] Because he's always negative.

Speaker 2:
[19:32] Right, but I think you took that wrong. I don't think that he meant anything by it.

Speaker 4:
[19:36] He does like to start shit and then walk away.

Speaker 2:
[19:38] He's not the only one living there.

Speaker 1:
[19:40] So, what hits your account per month?

Speaker 2:
[19:43] $11.48 a week is what I make.

Speaker 1:
[19:47] Okay. Gross. Or net?

Speaker 2:
[19:48] Net.

Speaker 1:
[19:49] Call times 52 divided by 12. Average it out. Cool. Just about $4,974. Very good.

Speaker 2:
[19:58] And then I also... So, on top of the $82,000, we just started one of two people that got put into a profit sharing at the company. Oh, you are. So, I am one of two. So, they were doing some restructuring. And for people that have been there, I've been there for almost 15 years. And so, they were doing it as like an incentive or extra. But this is so new that I don't know what that's going to entail.

Speaker 1:
[20:27] Beth, what do you do?

Speaker 3:
[20:28] I am a teller at the bank. And I make about $2,500 a month.

Speaker 1:
[20:36] Net? Okay, what does the boyfriend do? You could move out on Little Rock with that. Wouldn't it be a little tight? But you could.

Speaker 3:
[20:45] Yes. And he sprays for bugs. Yeah. Yeah, it happens.

Speaker 1:
[20:50] I got those people.

Speaker 3:
[20:51] Mosquito technician. And he makes about, he just got his lowest paycheck today. And that was $700.

Speaker 1:
[20:56] Why? Because it's ours?

Speaker 3:
[20:58] No. So he makes commission or hours. So lowest is $21. So what's net?

Speaker 1:
[21:02] What's his average?

Speaker 3:
[21:04] We're not combined, so I really don't know.

Speaker 1:
[21:06] Okay. What are we trying to do here? You've been with him for four years. What are we trying to do? Six. I want six years. I'm trying to get you the by this house. And actually start your life. And he really wants this to happen. Like, I don't know, your dad does not want you to come over.

Speaker 3:
[21:18] Yeah.

Speaker 1:
[21:19] He wants you to come over. But that does not live there forever.

Speaker 3:
[21:23] Yeah. We've been talking, me and him, because we're trying to get a trailer. We went and applied.

Speaker 1:
[21:28] What is this trailer obsession?

Speaker 5:
[21:29] What are you guys doing trailers for?

Speaker 2:
[21:31] Hang on. So, as far as we go, when we bought the five acres, there were two houses on the property. One was a trailer, one was a house.

Speaker 3:
[21:38] And then the shop.

Speaker 2:
[21:40] Well, it's an older home. It's huge, but in its five bedroom, two bath, two living, upstairs. Okay, but somebody was already in there renting it. So we already had a renter there. No.

Speaker 1:
[21:54] Why aren't you guys there?

Speaker 4:
[21:56] There's so much work need to be done.

Speaker 1:
[21:58] But you can't live there temporarily?

Speaker 2:
[22:00] Well, the renter destroyed it.

Speaker 1:
[22:01] Why are you trying to get a trailer? Is it on the same property? It would be. So you're literally, you're not really moving out. You're just becoming a next door neighbor, essentially. What do you know?

Speaker 4:
[22:10] I can deal with that. I can live with the next door neighbor.

Speaker 1:
[22:13] Do you not want any independence? Or like, I'm so confused. Do you want to like go live your life at all?

Speaker 3:
[22:18] Not really. Because if my mom ever needs anything...

Speaker 1:
[22:24] It's good to get some life experience and world experience. You can go home, even if you live on the other side of the city. I'm not saying move to California, but like...

Speaker 3:
[22:32] I just like being close.

Speaker 1:
[22:34] Little Rock's not that big.

Speaker 4:
[22:35] But why would you leave if you got your rent paid for? You know, I mean, food.

Speaker 1:
[22:40] Well, I agree. I'm trying to get her to, so she can get some life experience and learn some discipline.

Speaker 3:
[22:44] Yeah. I mean, we went and applied for trailer loans.

Speaker 1:
[22:49] Already, you and the boyfriend, you don't even know what he makes. You can't even tell me.

Speaker 2:
[22:53] But that is true.

Speaker 3:
[22:54] Yeah, I don't know what he makes. But I know he makes significant more than me.

Speaker 1:
[23:00] So he's out selling right now.

Speaker 3:
[23:02] I'm sorry.

Speaker 1:
[23:02] He's out selling right now.

Speaker 4:
[23:04] Working.

Speaker 1:
[23:05] Then we're calling him in the post show.

Speaker 3:
[23:07] Okay.

Speaker 1:
[23:08] He's a big part of this conversation.

Speaker 3:
[23:10] He is.

Speaker 1:
[23:11] He's not even respecting your parents at all.

Speaker 2:
[23:14] No, he's bought a few things for the house.

Speaker 3:
[23:17] For the house.

Speaker 2:
[23:18] As far as like vacuum.

Speaker 1:
[23:20] You guys like him living there?

Speaker 3:
[23:23] He's going to say no, but they're best friends.

Speaker 4:
[23:25] I don't know about best friends. We're not best friends, but I'll tell you, he's grown from a child to a man. At least an older child.

Speaker 2:
[23:33] Well, he's gotten better over the years.

Speaker 4:
[23:35] I will say that. And we started out as a, because we felt he needed a better home, but that was when he was a kid, you know.

Speaker 1:
[23:43] Why'd you pull the, like, come on, you pulled the step, the stepsister video on. You totally did. You're like, oh, no, stepbrother, I'm not wearing panties right now. You're your stepbrother.

Speaker 4:
[24:00] No.

Speaker 1:
[24:01] They brought him in as a.

Speaker 4:
[24:02] Well, we didn't even know he wasn't his brother for a while.

Speaker 3:
[24:06] OK, but that's because he was in a fit. Yeah.

Speaker 1:
[24:10] You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to Every Dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Starbucks is bulls**t and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make GamerSubs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite Show, Fat and Fatter. The number one ranked energy drink is GamerSubs.

Speaker 4:
[25:26] Literally, the cherry flavor is insane.

Speaker 1:
[25:29] Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below. Type in code Caleb.

Speaker 3:
[25:39] But that's because he's itty bitty, and he's been around since he was itty bitty, but that's because- He's been around since he's been born, basically.

Speaker 2:
[25:47] Well, if it's six years, he would have been one.

Speaker 4:
[25:51] He's been a bottom man. Yeah, my son.

Speaker 3:
[25:53] Our son.

Speaker 1:
[25:54] Wait, who are we talking about?

Speaker 2:
[25:56] Our son.

Speaker 4:
[25:57] Yeah, our son.

Speaker 3:
[25:58] My brother. Yes, no, no, no, no.

Speaker 1:
[26:03] So how long has this other person been there?

Speaker 3:
[26:06] He has been there for basically the whole six years that we've been together. We were together for four months.

Speaker 1:
[26:13] So you did, you did pull this like step brother thing.

Speaker 3:
[26:17] We were friends before he moved in.

Speaker 1:
[26:19] Friends, friends.

Speaker 4:
[26:21] Yeah.

Speaker 1:
[26:21] Then he moves in and you start sleeping with the guy that moved in?

Speaker 3:
[26:24] We were dating for four months.

Speaker 1:
[26:26] We said friends.

Speaker 3:
[26:27] Well, yeah, we were friends and then we started dating for four months and then he moved in.

Speaker 4:
[26:31] And he's been with us since.

Speaker 1:
[26:32] And you wanted to move in the guy she was dating at like 15, 16?

Speaker 4:
[26:36] We didn't want to and we didn't know.

Speaker 3:
[26:38] It kind of just happened. He stayed the night one night and then he went home and then he stayed the night again and just never left.

Speaker 4:
[26:43] But to get his home life was horrible. I mean, so.

Speaker 1:
[26:46] Which I get that, but also just dating your daughter, too.

Speaker 4:
[26:48] But at a point, yeah, it's like you're an adult move out. You're not our kid.

Speaker 1:
[26:52] Well, I do agree with that. You can't even tell me how much money he's making yet. You're trying to get on a loan with him right now for a trailer.

Speaker 3:
[26:58] I know he makes money. I just don't know what his average pay.

Speaker 1:
[27:00] You just told me his last paycheck was 700.

Speaker 3:
[27:02] And that's the lowest because when it rains.

Speaker 1:
[27:04] What is the average? Like I don't know. And you can't give me a number. I mean, I know there's lots of drama and whatnot in this house. And this house is chaotic. And you guys just got in a big fight over you took money from the joint account and you gave it to your brother or her brother.

Speaker 2:
[27:24] You gave it to her brother. He does it with friends too. It's not just my brother.

Speaker 1:
[27:29] So she's trying to manage the household finances and you just take money out of that and just give it to people?

Speaker 3:
[27:33] Not only does he take money and give it to other people, but he also takes money and uses it for gambling. Which I'm not saying that she doesn't either.

Speaker 1:
[27:40] Addiction transfer. What the f*** are you doing gambling? Why? What are you doing? What is this gambling? What does it look like?

Speaker 4:
[27:46] It's online, the online gambling slot machine.

Speaker 1:
[27:49] Slot machine online? How much are you spending on this?

Speaker 4:
[27:53] Way too much. How much? Honestly, I don't know. I don't know anything about our finances really. That's the bad thing.

Speaker 1:
[28:00] Wait, you like it too?

Speaker 2:
[28:01] I do. Yeah.

Speaker 1:
[28:03] Well, now we know why we're still in a trailer.

Speaker 2:
[28:05] Probably just as bad.

Speaker 1:
[28:07] I'm being told thousands a week. Now I understand why we're making no progress in life.

Speaker 2:
[28:12] Correct.

Speaker 1:
[28:12] Okay. I mean, this must be devastating to see your parents do that. I would f***ing I would f***ing mind.

Speaker 2:
[28:18] Well, yes, it's thousands a week, but some of that, I mean, there are winnings to it. I mean, I want 60,000.

Speaker 1:
[28:24] Not even close to net though.

Speaker 3:
[28:27] Well, she did 60,000.

Speaker 1:
[28:29] But if they're doing thousands a week, net would still be negative.

Speaker 2:
[28:32] Yes, and I agree. It's definitely, especially on slots.

Speaker 1:
[28:35] That's one of the literal most addictive things.

Speaker 3:
[28:38] It's probably the only reason I even know about the financial situation because she won the 60 grand. If she wouldn't have won that, like I built a budget for them and that was over a year ago.

Speaker 4:
[28:47] But you got to double that because I'm doing this thing.

Speaker 2:
[28:50] And he's not won 60 grand.

Speaker 4:
[28:51] No, I didn't win.

Speaker 2:
[28:53] But I think mine right now is probably the worst.

Speaker 1:
[28:57] Next to each other, just...

Speaker 3:
[28:59] Any downtime. He'll be in the bathroom playing it.

Speaker 4:
[29:02] What the f***?

Speaker 2:
[29:03] Well, he has more downtime than me. So...

Speaker 1:
[29:07] How? I thought you just said you work like 80 hours a week.

Speaker 2:
[29:10] Right.

Speaker 1:
[29:11] What? Where's the downtime?

Speaker 2:
[29:13] Well, he... Okay. Well, when he works, he'll go to the gas station and he will sit at either McDonald's or the gas station. Sometimes, it's all the time. And he'll sit there in the bathroom for hours. You will watch Life360 and he will be at the same location for an hour and a half gambling, watching YouTube.

Speaker 5:
[29:33] I don't know what he's doing in there. He'll do the same thing when he gets home.

Speaker 2:
[29:36] He'll sit in the bathroom for four hours.

Speaker 5:
[29:39] When the tree came through the house, he was on the pot.

Speaker 1:
[29:43] That would make me think drugs.

Speaker 4:
[29:45] No.

Speaker 2:
[29:46] No, I think it's the gambling. It's how you trade one addiction for the other, right?

Speaker 1:
[29:51] So this is why Beth thinks you don't want to be around them?

Speaker 4:
[29:54] No.

Speaker 2:
[29:55] Correct.

Speaker 4:
[29:55] Well, maybe.

Speaker 2:
[29:56] I do too.

Speaker 5:
[29:57] I mean, we feel that way. That's how it is.

Speaker 1:
[29:59] Do you not want to be around them?

Speaker 4:
[30:01] No, I don't go a bit around them.

Speaker 5:
[30:02] I don't think he does.

Speaker 2:
[30:04] I don't.

Speaker 5:
[30:04] I think he wants no responsibility in life. Like he has little, you know.

Speaker 4:
[30:10] I do have little responsibility.

Speaker 5:
[30:12] Little responsibility.

Speaker 2:
[30:13] The only thing he has to do is get my son on the bus in the morning, and I lay everything out. I have his lunch ready to go, I have his backpack.

Speaker 5:
[30:19] But that's not because I haven't tried to get responsible.

Speaker 2:
[30:21] His clothes are laid out. You literally have to get him dressed in on the bus.

Speaker 5:
[30:25] That's it.

Speaker 4:
[30:26] Okay.

Speaker 2:
[30:27] That's it. That's little to no responsibility. You don't cook, you don't clean, you don't take care of the bills, you don't take care of anything. I understand that I cook, but it'd be nice to have a break ever now and again.

Speaker 3:
[30:38] The last time that he did something, he slept and she came behind him.

Speaker 4:
[30:42] Yeah, when I've tried, I've tried to take responsibility quote unquote from her so she could have a lesser amount of responsibility and she doesn't want to give it up. Or she gives it up and then she comes right behind me and I didn't do it right, so.

Speaker 2:
[30:58] Well, he didn't know that, so thanks.

Speaker 3:
[31:00] Well, it was funny. I had to throw it in there.

Speaker 1:
[31:02] You have sex with your stepbrother?

Speaker 3:
[31:05] I have not.

Speaker 4:
[31:07] But, yes, she's very, not controlling, but she does, like, I know my position.

Speaker 1:
[31:14] Yeah, but every time there was an onboarding call, you were too busy to join any of them.

Speaker 2:
[31:19] That's right.

Speaker 1:
[31:20] Taking the jobs and gambling.

Speaker 3:
[31:22] He thought he had nothing important to say.

Speaker 1:
[31:24] That's for us to determine.

Speaker 2:
[31:26] Yeah.

Speaker 4:
[31:26] Like, as far as financial stuff, I have no clue. Like, I don't know what's the problem until she calls me and says, hey, don't spend any money on this account. Yeah.

Speaker 1:
[31:35] Well, why don't you just tell him he's not allowed to go gift other money to people? So what is this? I want to get back to that. What is that? What is happening?

Speaker 2:
[31:42] So, well, my brother also has a gambling addiction.

Speaker 3:
[31:47] He's the one that showed it to me.

Speaker 1:
[31:48] Is he in her trailer on the property?

Speaker 2:
[31:50] No. He's in...

Speaker 4:
[31:53] He might as well be.

Speaker 2:
[31:54] Yeah. He's in a...

Speaker 3:
[31:57] He's the one that showed the game to them. Family home.

Speaker 2:
[31:59] So he pays little to no rent. And he also got like his truck repossessed.

Speaker 4:
[32:03] Her parents... Her family owns a lot of land and stuff.

Speaker 2:
[32:05] So he's the one who got my husband initially on to the gambling app.

Speaker 1:
[32:10] What is the app?

Speaker 4:
[32:12] I don't know if you need to...

Speaker 1:
[32:13] I don't know. I'm getting thumbs up in the back.

Speaker 2:
[32:16] And it started probably about three, three and a half years ago when that happened. Well, where I'm going with it, as far as going back to my brother and the money lending, he spends all his money on gambling or whatever.

Speaker 1:
[32:29] Well, living at home basically with the parents on their property.

Speaker 4:
[32:32] Well, he pays hardly anything in rent.

Speaker 2:
[32:34] He pays next to nothing in rent.

Speaker 1:
[32:36] This is a family of losers. I'm sorry, right? You're a loser. You're a loser. I mean, you work, but you sit in the... You don't even interact with your family. Your brother's a loser. Your grandpa's a loser. And you delegate like a loser. You don't delegate. And then you complain about not delegating.

Speaker 2:
[32:55] And I know I'm in a neighbor.

Speaker 1:
[32:56] No, you don't delegate, and then you complain about how no one does anything after you don't delegate, because you complain about delegating.

Speaker 2:
[33:02] Well, I don't delegate, because... If I delegate, I've delegated for him to take the trash out. And he won't do it. It'll sit for a day. Why don't you take out the trash? Because whenever I say I want something and I delegate, I want it done right then, not two, three hours from now.

Speaker 1:
[33:17] Well, that's not how everything works. I mean, if you say, hey, can you take out the trash today?

Speaker 2:
[33:20] I can do it myself.

Speaker 1:
[33:21] Okay, well, then that's fair, because you don't get to just demand something's done in the second.

Speaker 4:
[33:26] Thank you.

Speaker 3:
[33:26] Yeah.

Speaker 1:
[33:27] Like, I agree, don't take a whole day, but hey, can you take out the trash this afternoon?

Speaker 5:
[33:31] Or, I don't know, no, no, no, no.

Speaker 2:
[33:33] So I asked him to do the floors for me.

Speaker 5:
[33:35] It took him three days.

Speaker 4:
[33:37] But they got done?

Speaker 5:
[33:37] It doesn't matter.

Speaker 2:
[33:38] It took him three days. We were sitting there walking on dog hair for three days.

Speaker 4:
[33:44] And then I came on from work and did it.

Speaker 2:
[33:47] And then I came behind you.

Speaker 4:
[33:48] And redid it.

Speaker 3:
[33:49] Yeah, redid it. I was laughing. She was just...

Speaker 1:
[33:51] Okay, so how much is he given to the brother?

Speaker 4:
[33:54] Not a lot.

Speaker 1:
[33:55] It was a big fight that came from this?

Speaker 4:
[33:56] Inconvenient times. A couple weeks ago. Because I didn't tell her ahead of time.

Speaker 1:
[33:59] Tell me, what happened?

Speaker 4:
[34:00] Yeah.

Speaker 1:
[34:01] Tell me what happened.

Speaker 2:
[34:01] So I saw that there was money given to my brother through our account because he will cash out it to him.

Speaker 4:
[34:09] I've been told not to do it.

Speaker 2:
[34:10] And I have repeated...

Speaker 4:
[34:11] But how am I supposed to say no to the brother-in-law? Because we're friends.

Speaker 2:
[34:15] I practically...

Speaker 4:
[34:16] Without being a dick.

Speaker 2:
[34:17] Beg him.

Speaker 1:
[34:17] This is who you can't.

Speaker 2:
[34:19] I beg him to not give my brother and his friend money. And he does it anyway. So what is the point of me?

Speaker 4:
[34:27] He does pay back.

Speaker 5:
[34:28] He pays it back three weeks later.

Speaker 3:
[34:31] And by that time, we need it way sooner.

Speaker 2:
[34:34] Which is why I...

Speaker 4:
[34:36] And the problem is I don't know our finances. So I don't know what position we have.

Speaker 2:
[34:39] But if I ask you not to do it, repeatedly have asked you not to do it, repeatedly begged you not to do it, in the very next day you're doing it. So why... That's just a battle I'm never going to win.

Speaker 1:
[34:52] What's a...

Speaker 4:
[34:53] I just can't be a dick.

Speaker 1:
[34:54] I know you're not walking out the door, but God, pretend 100% is you're walking out tomorrow, 0% is you would never even consider walking out. Give me where you're at.

Speaker 2:
[35:05] 100% I'm not walking out.

Speaker 1:
[35:07] So 0%?

Speaker 2:
[35:08] 0%.

Speaker 1:
[35:09] Really? So you would be willing to put up with any of this forever for the rest of your life, not a single, not even 1%?

Speaker 4:
[35:18] Yeah, I wouldn't do it to her. That's crazy.

Speaker 1:
[35:20] What do you mean? You are. What do you mean?

Speaker 4:
[35:22] What do you mean?

Speaker 1:
[35:25] No, I'm saying everything that's going now. I'm not going back to what was happening in the past.

Speaker 2:
[35:29] I mean, I love him. He's the father of my children.

Speaker 1:
[35:31] Yeah, but you also just had to open up another bank account so we couldn't have access to it. That's not screaming trust. That's not screaming bond for life. That's crazy. Your daughter knows more about the house with finances than he does.

Speaker 2:
[35:47] That is true. But he's not there. And I have tried.

Speaker 1:
[35:50] And yet you're not even considering one percent.

Speaker 2:
[35:53] I have tried to go over finances with him a few times.

Speaker 1:
[35:57] And yet you're at zero percent?

Speaker 4:
[35:59] I'd be at zero percent.

Speaker 1:
[36:02] Really?

Speaker 4:
[36:03] Well, I don't want to lose my life.

Speaker 1:
[36:05] I agree. I'm not saying she'd be at 100 percent, but there's a lot in between there. Zero percent is crazy with someone who's never there.

Speaker 2:
[36:13] Well, when the drugs were in place, yes, I was there.

Speaker 4:
[36:16] She was there.

Speaker 2:
[36:16] I was at 100 percent.

Speaker 1:
[36:17] I understand that, but he's never there. You have a young kid, young kid.

Speaker 4:
[36:22] Yeah, it is difficult.

Speaker 1:
[36:23] Young kid, I would want you to be there.

Speaker 4:
[36:26] And I try. I try and get there. Any time I'm not working.

Speaker 1:
[36:28] Does he try to get there?

Speaker 4:
[36:29] Yeah, when I'm not working.

Speaker 2:
[36:30] The other day, perfect example, the other day, he was going to be going 45 minutes away and back. And my son and I were sitting there and I was like, hey, it's Friday night, you know, when dad goes back to the shop, when he's got to go make the run, we'll just go with them. Cause it was like seven o'clock Friday night. We could spend some time together since they don't spend a lot of time together. We as a family don't. And I was like, well, when your dad calls me, because he was supposed to, we'll go ride with them. That phone call never came.

Speaker 4:
[37:05] Why?

Speaker 2:
[37:06] And then I called him and he was already at the location. So it was, to me, it was an ample opportunity for us to spend time together when we haven't been able to. And yeah, that kind of hurt.

Speaker 4:
[37:18] I thought I could get done and enough time to be home and spend some time. And it didn't work out that way. So I should have gone.

Speaker 2:
[37:24] There's little, well, he doesn't answer his phone.

Speaker 4:
[37:28] I'm bad about not making fun of him.

Speaker 2:
[37:29] Cause his phone will die.

Speaker 3:
[37:31] Very frequently.

Speaker 2:
[37:31] We won't know where he's at.

Speaker 1:
[37:33] Is this not all extra sketchy, was spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom and phone dying all the time?

Speaker 4:
[37:41] No, I usually get.

Speaker 1:
[37:42] That's a sweet, silk sketchy.

Speaker 3:
[37:45] I think that he traded one addiction for the other.

Speaker 2:
[37:47] Probably.

Speaker 4:
[37:48] I think he's been a lot of time on the phone.

Speaker 1:
[37:49] Probably.

Speaker 2:
[37:50] Well, he watches YouTube. YouTube videos.

Speaker 3:
[37:52] Oh my gosh, it's so bad. He plays it at full volume and he'll sit there and laugh.

Speaker 1:
[37:58] Oh, you're like an immigrant.

Speaker 3:
[37:58] So loud.

Speaker 4:
[38:01] I'm immature when it comes to the videos.

Speaker 2:
[38:03] I just wish some of that time of videos and gambling were put towards us as opposed to that.

Speaker 1:
[38:10] Yes, and why aren't you? She has expressed this, I assume.

Speaker 3:
[38:14] I have.

Speaker 4:
[38:15] And I have a shop to go on the property and I spend a lot of time in the shop, don't I?

Speaker 1:
[38:19] How about you just try to spend a little bit with the family? I'm not saying every ounce of every day, every second. But also, every time they bring up any issues, if she complains, if he complains or everything, you immediately just get defensive and say that they're calling you a bad mom as well. So it's not just all on him, you're immediately defensive. You shut people down and you go at it. I'm being told from the pre-interview phone calls. So you bring up complaints and she just shuts you down with you're calling me a bad mom?

Speaker 3:
[38:43] She does hear me out, but she tries to spin it as if I'm calling out her person, her character. We were in a trailer that had not the best living situation and due to that, she thought that I was calling her a bad mom. I'm not. The situation, because there's a mom.

Speaker 2:
[39:00] It's the way it made me feel. It was the comments that were made about the home and it's like, well, if I could change that situation, I would. And I get it. I know the gambling. We've maybe, maybe we weren't going to be in the situation or could be out of the situation, but it was the words that made me feel like I'm a bad mom.

Speaker 1:
[39:25] I'm just so confused why we even need to live there. The median home sales price in Little Rock as of February of this year, so last month, $247,000. You guys' income is incredible. You could totally qualify for something reasonable. The median sales price.

Speaker 4:
[39:40] Our plan was buying property and building after everyone.

Speaker 1:
[39:44] Why do we have to do that? Why do we have to do that when we're already in? Well, okay.

Speaker 2:
[39:47] Well, we own the property now.

Speaker 1:
[39:48] Right. Okay. And it's five acres, right?

Speaker 4:
[39:51] Yeah, five acres.

Speaker 1:
[39:52] And we love this property.

Speaker 4:
[39:55] It's right next door to her parents.

Speaker 2:
[39:56] So, so, okay.

Speaker 3:
[39:57] So, I inherit once my grandparents pass away, I inherit that five acres that my grandparents are on.

Speaker 1:
[40:02] Oh, you're creaming for that, I guess. I don't know. Like what?

Speaker 3:
[40:04] No, I was just saying, they'll be on the property right next to me. So, it would be nice to have our family just right there together. It's not.

Speaker 1:
[40:11] You know, you can be down the street. I grew up like a five-minute drive from my grandparents, and it still felt like we were close. It's fine.

Speaker 3:
[40:17] I know.

Speaker 1:
[40:18] Like you're allowed to. Okay, you're never going to leave.

Speaker 3:
[40:20] No.

Speaker 1:
[40:20] You're never going to have any of that. No, I mean, this is as clear as day. She's really not going to. I really don't think so.

Speaker 3:
[40:26] Well, life is so short.

Speaker 4:
[40:27] You see that? You see that?

Speaker 1:
[40:28] But I am.

Speaker 2:
[40:29] I'm okay with her being close to me.

Speaker 1:
[40:32] Close is different.

Speaker 4:
[40:34] Not in the same house.

Speaker 3:
[40:35] Well, not in the same house.

Speaker 1:
[40:36] She's never going to learn any skills.

Speaker 3:
[40:38] No, I definitely don't. I know. That's one thing. I've already been told. I told her, because my little brother, I know nothing about money. Once I was able to go out on my own and deal with money, I had no idea what I was doing. And so I was trying to tell her, hey, my little brother's young. Try and teach him what you can.

Speaker 1:
[40:55] Which one? Little stepbrother or little brother?

Speaker 3:
[40:57] Little brother.

Speaker 1:
[40:58] Okay.

Speaker 2:
[40:58] Which is true. If she wanted something, she got it.

Speaker 3:
[41:02] I was definitely very surprised.

Speaker 2:
[41:04] She never did without. So if she wanted it, she got it.

Speaker 4:
[41:08] The whole enabler thing goes all the way down. Okay.

Speaker 1:
[41:12] I got to get any of these numbers, because we're going to be here for a thousand years. What do we think this household financial situation score? Actually, what do you think your financial score is? Zero to ten, zero being the absolute worst, ten being the absolute best. Just you.

Speaker 3:
[41:24] Like a two.

Speaker 1:
[41:25] And what do you guys think your household is?

Speaker 4:
[41:28] Six, seven, maybe.

Speaker 2:
[41:29] Let's kill them.

Speaker 4:
[41:30] Let's kill this guy.

Speaker 5:
[41:31] Let's beat him to death with hammers.

Speaker 2:
[41:32] Okay.

Speaker 3:
[41:36] But I also do have to mention, because of the ignorance with financials, I also did accidentally open up a credit card at the beginning of the month.

Speaker 4:
[41:45] Accidentally?

Speaker 3:
[41:46] I did. I was trying-

Speaker 1:
[41:46] Who are you accidentally?

Speaker 3:
[41:47] What the are you talking about accidentally? I was looking at pre-qualified cards and I was trying to see what the limit they would give me.

Speaker 4:
[41:54] And so they should get one.

Speaker 3:
[41:56] So then I clicked on it.

Speaker 1:
[41:57] You applied to get the limit of course. Oh my goodness.

Speaker 2:
[42:00] Are you talking about the most recent?

Speaker 1:
[42:02] I'm not a child.

Speaker 2:
[42:04] She did that because somebody told her, now listen, somebody told her, not me, somebody told her that if she were to open another credit card in...

Speaker 3:
[42:15] It would balance out my credit balance a little bit better.

Speaker 2:
[42:17] It would up her credit score by getting more credit. So that's why she did it.

Speaker 3:
[42:22] I was looking. I wasn't actually going to do it just now. I was just trying to look. She did.

Speaker 2:
[42:26] She accidentally did.

Speaker 1:
[42:28] Go on to your Hammer Financial Score. Get it for free at calebhammer.com. It's free and it only takes a few minutes to see where you stand in the world of money, where you're doing poorly, and where you're doing great. And if you don't want to be like the guests that end up on the show, if you want to actually fix your money, like tens of thousands of monthly active users are, you got to download the DollarWise budgeting app. You can go to the website dollarwise.com or download link in the description below. Most people take the free trial. They love it. They sign up for the annual version because it saves 50%. And when you do, you get my 30 day detailed meal plan so that you can no longer complain about not being able to afford doing meal plans and making meal plans and having snacks and drinks because we make all your snacks and drinks and multiple meals, all your meals for the day right here. And I'll sign it like I did this one. I'll mail it directly to you. So you guys have this. So teach them, especially you. You'll have a detailed meal plan in there.

Speaker 3:
[43:14] OK, I can't cook. I mean, no, I can.

Speaker 1:
[43:16] There you go. I mean, it's as easy as ever, man. It really is. It really is. You can keep that on the table if you want.

Speaker 3:
[43:25] OK. Your signature looks like the Chick-fil-A logo.

Speaker 1:
[43:29] I have heard that.

Speaker 2:
[43:30] Oh, it does.

Speaker 3:
[43:31] Yeah.

Speaker 1:
[43:32] Oh, I'm going to need to know who.

Speaker 4:
[43:34] Oh, my f***.

Speaker 1:
[43:37] Are you kidding me?

Speaker 3:
[43:38] And I do know that first one is mine because.

Speaker 1:
[43:40] Well, that's what I was going to ask. OK, so this is Beth's. Capital One Quicksilver. What is going on here? Oh, my f***. We're spending so much money. Spending way more money than you're putting towards it.

Speaker 3:
[43:55] And I'm also putting a ton towards it.

Speaker 1:
[43:56] You basically maxed out. Yeah, but it doesn't matter when you replenish it. You're just offsetting it. You didn't actually make any progress. You didn't make any progress. $4,863.39. How does that make you feel when you hear that? Your daughter, 21-year-old, not even moving out, has every blessing in the world with no actual overhead cost in her life. She has a maxed out $5,000 credit card with $167 a month as a minimum monthly payment. She only does minimums and doesn't purchase, which is incapable of both. It takes 21 years for her to pay this off. She will be 42 years old. 42 years old, and then maybe she'll finally get her ass out of the house.

Speaker 2:
[44:33] This is what I tried to prevent from happening. I did.

Speaker 1:
[44:35] And how did you do that?

Speaker 2:
[44:37] When she got her first credit card with this one, I told her, I said, this is how it works.

Speaker 1:
[44:45] That was it? That's all you did is send credit cards?

Speaker 2:
[44:47] No, I said, this is how it works. Well, her limits gone up.

Speaker 1:
[44:50] Can't teach her how to budget.

Speaker 2:
[44:52] Well, her limits gone up.

Speaker 1:
[44:54] Okay, well, if you actually taught her how it worked and taught her how to budget and taught her how to make the payments and pay off the balance in a single month, it wouldn't matter the balance when I earn all the limit.

Speaker 2:
[45:02] The credit limit. Right, I did tell her, I said, if you put something on it, pay it off, it's going to help build your credit. So the whole point in her getting it was so that she could use it and put gas on it a couple of times through the month, pay it off before the due date.

Speaker 3:
[45:17] That did not happen.

Speaker 2:
[45:18] I did tell her that that's what she needs to do because clearly I'm in a situation where I can advise her on what not to do.

Speaker 1:
[45:25] Okay, you tell me.

Speaker 2:
[45:26] She just didn't listen.

Speaker 3:
[45:29] I think I did really good with it at first, of course, as everybody does. And then there was a raccoon that fell out of the tree behind the house and we kind of took it in and kept it for a couple months. And then my dog got pregnant, so she was expensive.

Speaker 1:
[45:45] Why was your dog pregnant? Why was your dog not fixed? You freak.

Speaker 3:
[45:48] Well, I was trying to wait.

Speaker 1:
[45:49] So first thing you're supposed to do.

Speaker 3:
[45:50] Well, she's a purebred Rottweiler and I was trying to wait until her growth plates were done growing and then get her fixed. But my boyfriend's dog is also not fixed.

Speaker 1:
[45:59] Well, fix that one, obviously. The balls are easy.

Speaker 3:
[46:02] He's too old now.

Speaker 1:
[46:03] He was too old then?

Speaker 3:
[46:04] Yes.

Speaker 1:
[46:05] How old?

Speaker 3:
[46:06] Seven, eight.

Speaker 1:
[46:08] Okay, I don't know.

Speaker 3:
[46:09] So she got pregnant and the puppies were expensive. I probably spent about $3,000 just on the puppies. And where'd they go? Well, we kept one. But the other ones, they went to their homes.

Speaker 1:
[46:21] You guys happy in this house?

Speaker 3:
[46:23] No.

Speaker 1:
[46:23] This is insane.

Speaker 4:
[46:25] No, it's crazy. It's crazy.

Speaker 1:
[46:27] I would lock myself in the bathroom.

Speaker 4:
[46:28] Yeah, thank you.

Speaker 1:
[46:30] And go to the workshop? I mean, this place sounds insane.

Speaker 3:
[46:34] It definitely is. I won't disagree with it.

Speaker 1:
[46:37] Well, you're the one doing it.

Speaker 4:
[46:39] And they can't even get you out. You know what I mean? I said, then throw a six-year-old on top of that.

Speaker 1:
[46:43] Yeah.

Speaker 3:
[46:44] But the puppies were a lot, and then I got two ferrets, which I definitely shouldn't have done.

Speaker 1:
[46:49] No.

Speaker 3:
[46:50] Yeah, they were $300 and $400 each.

Speaker 1:
[46:53] You have $120 of interest accruing on this on a monthly basis, and it's all bullshit. It's all bullshit. Walmart, Walmart, Amazon, Amazon, Amazon, Amazon, Academy Sports. Peco, I mean, that's okay, but it's insanely expensive. And to put it on a credit card that accrues interest we can't pay off as dumb.

Speaker 3:
[47:08] How much was that one?

Speaker 2:
[47:09] $244.

Speaker 3:
[47:10] Okay. I think that was...

Speaker 2:
[47:11] Yeah, that's how much she spends on dog food.

Speaker 3:
[47:13] That was a cage. That was a cage.

Speaker 1:
[47:14] But even still, you gotta get food and shit on top of it. I know that. Apple bill, Amazon, Amazon, Apple, Netflix, Sonic, Sonic, Mastermind Escape, $61. Amazon, this is all bullshit. Going in, getting into bullshit. Smoke Palace.

Speaker 3:
[47:31] Yeah, I do have a vaping addiction.

Speaker 1:
[47:32] Why? Why do you want everything to be the worst in life that you can possibly do? Why? Why do you just want everything to be the actual worst? I really don't understand.

Speaker 3:
[47:44] I don't even know how I started vaping. I started vaping when I was like 15, 16, something. Where were you guys?

Speaker 1:
[47:52] Where the were you guys?

Speaker 3:
[47:54] They were very lenient with me. I had, I could do-

Speaker 1:
[47:57] With vaping?

Speaker 3:
[47:58] Well, no, just letting me go out and do what I wanted to do.

Speaker 1:
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Speaker 2:
[50:39] Well, she was also, I think she used it as kind of an escape goat a little bit because she was going through therapy and stuff. And so, you know, maybe it was, maybe it was, you know, her way to chill and relax and, you know, instead of, you know, I...

Speaker 3:
[50:59] I don't do anything else, though.

Speaker 2:
[51:01] Yeah, I was gonna say, so it's kind of like, instead of smoking weed, she vapes.

Speaker 1:
[51:04] It's expensive, though.

Speaker 3:
[51:05] I can't smoke weed, nor I can drink.

Speaker 2:
[51:06] And then on top of that, she'll ask me for like, gas money and stuff because she's maxed out and she needs money.

Speaker 1:
[51:14] On vapes. Seven Brew Coffee, Arby's Seven Brew Coffee, Microsoft Rounds Plus. Microsoft Rounds, oh, that's Minecraft.

Speaker 3:
[51:26] It is Minecraft.

Speaker 2:
[51:27] I think I canceled that now.

Speaker 1:
[51:28] Just vaping in Minecraft. No.

Speaker 3:
[51:30] Oh.

Speaker 1:
[51:31] No.

Speaker 2:
[51:31] Oh, she's a gamer.

Speaker 1:
[51:32] Sonic, Amazon, Amazon, Amazon, Amazon, Amazon, Andy's Ice Cream, bullshit. Amazon, Amazon, Amazon, Smoke Palace, Amazon. No, no. Prime time. I don't even know what that is.

Speaker 2:
[51:44] She's got an energy drink.

Speaker 1:
[51:45] Sonic, Chick-fil-A.

Speaker 2:
[51:46] Addiction.

Speaker 5:
[51:47] You do too?

Speaker 2:
[51:48] Bad. Red Bull.

Speaker 5:
[51:49] Bro, I'm serious.

Speaker 1:
[51:50] What the is wrong with you guys? Okay, this one's Chug Juice. Make it at home. It tastes better than your energy drink. Bullshit anyway, because every guest has confirmed that once they've tried it.

Speaker 3:
[52:01] I was drinking two, well, Monster is where she started. Now it's Red Bull.

Speaker 1:
[52:05] You can do as many as you want. There's a hundred servings in there. It is 40 cents a serving.

Speaker 4:
[52:09] That's awesome.

Speaker 3:
[52:10] I was doing two Monsters a day.

Speaker 1:
[52:12] There you go.

Speaker 3:
[52:12] Now you're doing two scoops a day.

Speaker 2:
[52:14] Well, she was having heart problems.

Speaker 1:
[52:15] Okay, well, you're doing one scoop a day. Smoke Palace, Amazon, Chick-fil-A, Amazon, McDonald's, CJ Maxx. Still bullshit. Your Maxx has your credit card for bullshit.

Speaker 3:
[52:25] A lot of that Amazon.

Speaker 1:
[52:26] Pay rent and you're just spending it all on bullshit. Yeah, give me your phone. $227 in interest accruing.

Speaker 3:
[52:33] Which, remember, this is everybody's Amazon. We use one account.

Speaker 1:
[52:40] Okay, well, you have a shit ton on your credit card alone. So, let's see in here. Okay, Apple Music, GROCK, My Fitness Pal, Twitch, Subscription. Okay, well, you had our thank you tier, which is kind of stupid because the Hammer Elite's that are the best one I need to do.

Speaker 3:
[52:57] I did do that for a little bit.

Speaker 1:
[52:58] And then Premium. Well, no, you still have it now, but I would just rather get Elite because it's better value. So many more shows.

Speaker 2:
[53:05] Well, are you looking up subscriptions? Well, I pay the subscriptions.

Speaker 3:
[53:10] She pays me for them, but they're on that credit card.

Speaker 2:
[53:13] That's so stupid.

Speaker 5:
[53:14] She doesn't use the money.

Speaker 2:
[53:15] Well, she doesn't use the money that I give her to pay on her credit card.

Speaker 4:
[53:18] And you're worried about me not using the money, right?

Speaker 1:
[53:21] Pants, a 12-inch subwoofer.

Speaker 2:
[53:24] Oh, yeah.

Speaker 3:
[53:25] Yeah, I love my subs, but they're broken right now.

Speaker 1:
[53:29] Bro, you're getting this shit. Well, max out your credit card. City passenger, airplane. I'm going to assume this is for the kid.

Speaker 3:
[53:34] Yes.

Speaker 1:
[53:35] Oh my gosh. Another 12-inch subwoofer. Seamless sports bra, more flight things. And let's no show seamless thongs.

Speaker 4:
[53:45] What?

Speaker 3:
[53:47] I don't know if those are yours or mine.

Speaker 4:
[53:49] Probably hers.

Speaker 3:
[53:50] I think those are hers.

Speaker 1:
[53:54] This is just insane. You just spend so much money. I don't get it.

Speaker 4:
[53:59] To not pay rent.

Speaker 1:
[54:01] To not pay rent. Okay, whose Capital One Quicksilver is this?

Speaker 2:
[54:04] Oh, goodness.

Speaker 1:
[54:06] $2,952.60.

Speaker 2:
[54:09] I believe that's his. I think it originally started as a Wal-Mart card, and then Capital One took it over.

Speaker 1:
[54:17] All right. Well, father like daughter, $2,950.

Speaker 4:
[54:24] No, no. Any cards that are in my name aren't mine. What?

Speaker 2:
[54:27] They're his.

Speaker 1:
[54:28] Who is this then? Oh, but it's in his name.

Speaker 2:
[54:32] It's in his name.

Speaker 1:
[54:33] What the is wrong with you, dude? Again, like you, you only make the minimum through payment, yet you're purchasing on it while it's accruing interest. $96 a month, $2,952.60, takes 15 years to pay off. Your youngest will be out of high school.

Speaker 4:
[54:49] It will be 80.

Speaker 1:
[54:50] It's over maxed out. It's over maxed out. On your credit, she has an over maxed out. I thought he was the bad one for taking money from your account, but you go from his credit and over max out a card?

Speaker 2:
[54:59] Hang on.

Speaker 1:
[55:00] Now I understand why we don't trust anyone in this house. Okay.

Speaker 2:
[55:03] But here's the thing. I have to get credit because he spends from the checking account.

Speaker 4:
[55:08] So it's my fault.

Speaker 2:
[55:09] I'm not saying it's all your fault. No, it's my fault.

Speaker 1:
[55:11] I don't think anyone takes accountability in this household for anything.

Speaker 4:
[55:17] No argument on this side, I guess.

Speaker 1:
[55:20] Okay. What is Credit Fresh line of credit? $4,500 out. No, there's $2,000 and then $2,500.

Speaker 4:
[55:27] Yes.

Speaker 1:
[55:28] What is this?

Speaker 2:
[55:28] So probably a month ago is when... So it's a line of credit.

Speaker 1:
[55:36] Yeah.

Speaker 3:
[55:36] And I was told it was closed.

Speaker 2:
[55:38] So when I won the $60,000, right, I didn't say closed, it was paid off. So I paid all of the line of credit and personal loans that we had.

Speaker 1:
[55:48] This accumulated in a year?

Speaker 2:
[55:50] The stack?

Speaker 1:
[55:52] The stack? You paid off all the debt with your winnings a year ago?

Speaker 2:
[55:55] Oh, no, not all of the debt. No. Just the line of credits for the credit fresh. Those were paid off in about a month ago. I used and started going back down to...

Speaker 1:
[56:07] Why? What did you pull the line of credit for?

Speaker 2:
[56:11] The gambling.

Speaker 1:
[56:12] Oh, for f*** sake. Okay. There's no good guy in this story. It's not all his fault. It's not all her fault. It's your fault too. You're pulling $4,500 in a month for gambling?

Speaker 2:
[56:26] And to help cover bills because of the gambling.

Speaker 3:
[56:30] Okay.

Speaker 1:
[56:34] What the f*** are we doing, guys?

Speaker 4:
[56:38] Apparently gambling.

Speaker 1:
[56:39] What's your minimum monthly payment on this?

Speaker 2:
[56:43] Monthly, both are $220 each, so $440 a month.

Speaker 1:
[56:51] F*** sake. This is insane. What is your thoughts on this, seeing this? This is insane.

Speaker 3:
[56:57] Oh, when I found out that she opened the credit lines, I was extremely disappointed.

Speaker 1:
[57:03] Oh, wow. Disappointed. Okay.

Speaker 3:
[57:05] Because I thought that all of the lines of credit, all the personal loans and all that were paid off and closed.

Speaker 1:
[57:10] Yeah, but now you're doing it again.

Speaker 2:
[57:11] It's even worse. And I made the promise that I wasn't going to do it again, that I wasn't going to get us back into a...

Speaker 3:
[57:17] So when she won the $60,000, I sat down and I made a whole checklist of credit cards, lines of credit, personal loans, a payoff. Like which ones to pay off?

Speaker 1:
[57:28] Your daughter's doing this for you, by the way.

Speaker 4:
[57:30] She's right over here. You know, I mean, she's...

Speaker 2:
[57:33] I asked her to help me. I actually asked my husband to help me, but...

Speaker 1:
[57:40] Well, he's not there.

Speaker 3:
[57:41] Well, also, whenever I asked him to help me, but he didn't have the time, so I wanted somebody to help me.

Speaker 4:
[57:47] If I did have the time, it wouldn't matter, because she's going to take it all over and do it all herself anyway. Which is...

Speaker 1:
[57:54] Is that what happened here?

Speaker 3:
[57:56] I mean, she got the personal loans and the lines of credit paid off, but...

Speaker 2:
[58:00] And a couple of credit cards.

Speaker 3:
[58:00] A couple of credit cards. She had, I think, 16 to start.

Speaker 2:
[58:03] 14.

Speaker 3:
[58:03] 14 to start.

Speaker 1:
[58:04] Okay, but it's getting worse again.

Speaker 2:
[58:06] Well, now I have 12 credit cards and two lines of credit.

Speaker 4:
[58:14] Now, there was a period of time, well, to her defense, that I went without a job because of the wreck that I had. They didn't have a vehicle for me to drive. And so I was down for two months, I guess.

Speaker 2:
[58:25] A month and a half recent. That was back in October. But prior to that, there have been stints. There's been longer stints than that where he hasn't had a job.

Speaker 4:
[58:35] But we're not going back that far.

Speaker 1:
[58:36] Everything started going down two years ago, down to about two years ago, right? Can we all agree on that?

Speaker 2:
[58:42] Yeah.

Speaker 1:
[58:42] What started two years ago? The gambling started two years ago. That's right.

Speaker 4:
[58:49] True that. Yeah.

Speaker 1:
[58:51] If you're doing thousands a month, we're reopening lines of credit after you made progress, and now we're getting worse again. It's the gambling, guys. What the f*** is wrong with you? You have a six-year-old. This is disgusting. You don't have the option to gamble. They have self-banning, right? You need to self-ban yourself from these apps, right? Isn't that something you can request?

Speaker 2:
[59:11] I don't know. I don't know.

Speaker 1:
[59:12] If I'm not mistaken, I think it is. There you go. I'm getting head nods. Yes. You need to request that you are banned from these apps. You cannot control yourselves.

Speaker 4:
[59:19] That's true. Because I have to leave the app a few times and then come back.

Speaker 1:
[59:22] That does nothing. You need to request a ban. You can't control yourselves. You have a six-year-old and you have a failure of a daughter.

Speaker 3:
[59:30] Okay.

Speaker 1:
[59:31] Oh, come on.

Speaker 2:
[59:32] I still love you. I still love you sometimes.

Speaker 1:
[59:34] Yeah, you can love her, but she's a failure. You're not doing anything with your f***ing life and your f***ing stepbrother. You're doing nothing. Everything's a joke. You're living at home. No, you don't like it.

Speaker 5:
[59:45] It's pathetic.

Speaker 3:
[59:47] Yeah.

Speaker 1:
[59:47] It's pathetic. Nothing is going well. You guys make way too much money to be in this situation, which is even worse than making no money and being struggling. You guys make over six figures a year easily, 120 to 130,000 hours a year. And yet you live on a trailer on a property that you now own, but can't do anything with and it just broke. And now you live with your parents and your daughter's a failure. Who knows what the six-year-old is going to look like. This is a disgusting disaster.

Speaker 3:
[60:13] Wake up!

Speaker 1:
[60:16] For sake.

Speaker 2:
[60:17] I haven't gambled since Saturday.

Speaker 3:
[60:19] Oh my God. It hasn't even been a week yet. God.

Speaker 5:
[60:24] Oh, goodness, Tracy. I'm just saying I can.

Speaker 2:
[60:28] Oh, I'm saying.

Speaker 1:
[60:29] Bro, it's because you literally just got kicked out and moved into another house.

Speaker 2:
[60:31] I get that, but I'm just saying that-

Speaker 1:
[60:33] You're under the routine.

Speaker 2:
[60:34] That just means that I can do it, you know?

Speaker 3:
[60:37] Well, yeah, anybody can do anything. It just depends on how long.

Speaker 2:
[60:40] When it comes to addiction and stuff, some people just can't walk away or stop.

Speaker 3:
[60:44] No, you can't stop.

Speaker 1:
[60:45] Bro, it's been a couple of days. Shut the f*** up, it hasn't even been a full week. I'll get you the Mind card, formerly the Fizz card. It's a debit card that builds credit, because obviously you can't manage credit cards or s***. You can only spend it in your checking account. It's very good. Use that. I'll also get you a course career certification of whatever you want. A lot of people in the audience have taken those and gotten six-figure jobs. So you do that and get the f*** out. What a mess. What a mess, guys. So what was spent? Let's see. No, wait. No, this is something new. Oh, this is just out of order. On your Quicksilver that we just saw before, on Nyx that is spent by you, that you over max out with a thousand hours of interest also. Titan. Titan. I don't know. You tell me what the f*** this is.

Speaker 2:
[61:27] What?

Speaker 1:
[61:30] What is this? What are you spending 75 bucks on?

Speaker 4:
[61:36] Where is it?

Speaker 1:
[61:37] I don't even know what it is.

Speaker 2:
[61:39] Nope, that's gambling.

Speaker 1:
[61:41] On a credit card. On a credit card. You over maxed out his credit card for your gambling.

Speaker 5:
[61:48] Oh.

Speaker 2:
[61:50] Rarity that I...

Speaker 5:
[61:51] Oh, shut up.

Speaker 2:
[61:52] I've only done that like maybe two or three times.

Speaker 4:
[61:56] Really?

Speaker 2:
[61:56] On the credit card days.

Speaker 1:
[61:58] We plugged your shit into the DollarWise budgeting app? Yeah. $5,598 in gambling.

Speaker 3:
[62:05] Oh, in a month?

Speaker 1:
[62:10] Blunt money.

Speaker 3:
[62:12] Jesus Christ.

Speaker 2:
[62:12] I knew it was a lot. I knew that... But it's not all me.

Speaker 4:
[62:17] I know, I know.

Speaker 1:
[62:21] We plugged all your numbers into DollarWise, and your categories are.

Speaker 2:
[62:28] Well, if the gambling stops, which it is...

Speaker 1:
[62:33] It's a thousand dollars going out to eat. DollarWise saw you doing a thousand dollars out to eat. Just about.

Speaker 2:
[62:40] A month? Last month? That seems high.

Speaker 4:
[62:44] Does that include gas station purchases, or is that just fast food?

Speaker 2:
[62:47] That's just... Oh, fast food.

Speaker 1:
[62:50] This is why you gotta plug your guys' shit into DollarWise. It'll automatically just tell you where everything is going, and you will have the biggest wake-up call. What the? That's a lot of money. Guys, you don't even understand how disastrous this is. You should be living the best lives. The best lives in Little Rock. The median home price in Little Rock? What was that, $247? In the United States, it's over $400. Do you guys realize how... That's because you live in Little Rock, but I mean, if you're going to live somewhere like Little Rock, take advantage of how cheap it is to live in Little Rock. I like to see how this comes back to gambling somehow, but...

Speaker 2:
[63:29] It won't.

Speaker 1:
[63:31] Well, see, you didn't know that for the Capital One, which was his card anyway. $2,831.88, which is insane. $103 minimum fee payment. What the f*** are we doing? It takes 14 years to pay off. What the f***? And a 33.49% interest rate!

Speaker 2:
[63:50] It's the highest interest rate on all the credit cards.

Speaker 1:
[63:53] So, she had a late fee last year. What?

Speaker 2:
[63:56] On what?

Speaker 1:
[63:57] That's interesting. On this card.

Speaker 2:
[63:59] On JCPenney?

Speaker 1:
[63:59] On JCPenney.

Speaker 2:
[64:03] That's surprising. I didn't know that.

Speaker 3:
[64:04] Is it?

Speaker 1:
[64:05] It's either you were late or you didn't have enough money in your checking account when it attempted a poll.

Speaker 3:
[64:10] Nothing's on auto pay.

Speaker 2:
[64:11] Well, nothing's on auto pay.

Speaker 1:
[64:12] Well, even if you paid and it didn't have enough, it would bounce and you would get a return transaction fee. But there was one last year.

Speaker 2:
[64:22] I try not to. I mean, I-

Speaker 1:
[64:24] Well, that's good. You didn't even know what happened.

Speaker 2:
[64:28] Well, I have a calendar and on my calendar, I know when the bills are coming out.

Speaker 1:
[64:32] And how'd that work?

Speaker 2:
[64:35] Apparently, I-

Speaker 1:
[64:37] Not at all.

Speaker 4:
[64:37] But see, if you would let me, if you would delegate some of that, it would probably help you remember.

Speaker 3:
[64:43] She would still check it to make sure that you did it.

Speaker 1:
[64:46] $1,100 in interest in a year.

Speaker 4:
[64:49] Man.

Speaker 1:
[64:50] Okay, who's the Capital One Platinum of $2,521?

Speaker 2:
[64:54] We have five Capital One cards.

Speaker 1:
[64:56] Platinum.

Speaker 2:
[64:57] So, I don't know.

Speaker 4:
[64:58] World Mastercard.

Speaker 2:
[64:58] It's either him. So, we're authorized on each other.

Speaker 1:
[65:02] Oh my good death, okay.

Speaker 2:
[65:02] So, I don't know which one's his and which one's mine. One of them's, he's got two Capital Ones for one free.

Speaker 5:
[65:08] I thought you might know what the balance was.

Speaker 1:
[65:11] $2,521.64 minimum monthly payment of 82 bucks. 15 years to pay off. Interest accruing. Oh, it's over maxed out.

Speaker 3:
[65:20] It's over.

Speaker 1:
[65:21] That's why it's not spent on it.

Speaker 3:
[65:22] It's over the limit.

Speaker 2:
[65:25] So, what I do...

Speaker 1:
[65:26] It's on his credit, I'm being told.

Speaker 2:
[65:29] So, what I do is I will pay the minimum, and then, before the statement hits, I'll... You'll what?

Speaker 1:
[65:40] You'll what?

Speaker 2:
[65:40] If we need gas? Why do you need money?

Speaker 1:
[65:43] Why does the household of Little Rock, Arkansas, making $130,000 a year need gas money? Exactly. Wake the f*** up. Capital One Quicksilver, $2,273. Who is this? This is the third Quicksilver. I bet it's on yours, Amy.

Speaker 2:
[66:03] It's either me or him.

Speaker 1:
[66:10] $2,273.32 minimum repayment, $73. Purchasing additional cash advances, $46.36.

Speaker 2:
[66:16] Yeah, I don't know what that is.

Speaker 1:
[66:17] Well, I'll tell you what the f*** it is right now. $19. What was it? What was it? What was it? Let's find out. KTM. What's that? KTM. What's KTM? What's KTM?

Speaker 2:
[66:30] Gambling.

Speaker 5:
[66:32] Really?

Speaker 1:
[66:33] You're cash advancing from a credit card gambling.

Speaker 2:
[66:35] But I didn't know they did cash advance like that.

Speaker 5:
[66:38] I didn't know they did cash advance. I did.

Speaker 1:
[66:41] And you got a $10 fee just for that. For $46, you paid an additional $10, and now it's accruing interest on that plus the $10. And you went in the gas station and got some bullshit. Fees, interest, disaster.

Speaker 2:
[66:58] I didn't know they did cash advance like that.

Speaker 1:
[67:01] Well, yes, you did, because you did it.

Speaker 5:
[67:03] But I didn't at the time.

Speaker 1:
[67:05] Another Capital One Quicksilver. Sick, how many do we have? $2,036.77, 13 years to pay off, minimum monthly payment $66, $52, 16 cents of purchases, $46 of interest accruing, $36 over the limit.

Speaker 5:
[67:23] What?

Speaker 1:
[67:24] You have a vacation plan soon? You can't afford to go anywhere?

Speaker 5:
[67:27] What's a vacation?

Speaker 1:
[67:30] But I don't mean to Oklahoma City, Vegas or...

Speaker 2:
[67:35] No, we're going with my parents and my whole family to Dauphin Island. But it's not...

Speaker 1:
[67:42] Where is this?

Speaker 2:
[67:44] Alabama. It's beautiful. But it's not booked yet. I mean, but we all share on the... What the f*** is a Dauphin Island?

Speaker 4:
[67:52] It's the Redneck River.

Speaker 2:
[67:52] Yeah, Dauphin Island.

Speaker 3:
[67:54] It's beautiful.

Speaker 2:
[67:54] Oh, it's beautiful.

Speaker 3:
[67:55] We've been there. It's great.

Speaker 2:
[67:56] We went there a few years ago.

Speaker 3:
[67:57] I'm not going, though. I can't afford it.

Speaker 1:
[67:58] Is it nicer than Florida?

Speaker 2:
[68:00] No, it's not in Florida. It's in Alabama.

Speaker 1:
[68:01] Is it nicer than Florida?

Speaker 2:
[68:02] Oh, nice.

Speaker 1:
[68:03] It's right there. Then just go to Florida. It's nicer than Miami Beach or Clearwater? Okay, well, less people, but it's nicer?

Speaker 2:
[68:10] But it only takes eight hours to get there. So it's closer. It's closer. And we share the cost of everything.

Speaker 1:
[68:18] So you do that other places, too. But, okay, Ultra OG Ecom Solutions East. $52.16. It's just over the limit. Why do you actually even want to be close to this? You know the people you surround yourself with are often...

Speaker 3:
[68:37] Well, I didn't know it was this bad. I knew it was bad.

Speaker 2:
[68:41] I told you it was bad. So the reason why I do it or did it was because the way that it works is...

Speaker 1:
[68:49] How clear is the water in Alabama?

Speaker 3:
[68:52] It's not.

Speaker 1:
[68:53] Exactly. It's on the gulf. The water is never clear.

Speaker 3:
[68:55] No. But the beaches are nice.

Speaker 1:
[68:59] Another Capital One Quicksilver. The literal fourth Capital One Quicksilver.

Speaker 5:
[69:04] Fifth Capital One Quicksilver.

Speaker 1:
[69:06] Well, yeah, but one's hurt, so there must be another one coming. $1,765.86 with a $58 minimum to payment. It's over, Max, now. It's over the limit, guys. It's over the limit. Not by a lot. You're the one saying you managed the household numbers, taking Victim Complex the first half of this conversation. But you're the one gambling. This is your card. Gambling to over the limit on everything. You're managing the household. No, you're destroying the house. You're destroying the house. I don't care if he doesn't take out the trash. You're obliterating the finances of this house. You're going to bankruptcy. You're going to the end of this house and marriage and survival.

Speaker 2:
[69:45] Maybe.

Speaker 1:
[69:47] Maybe. Are these numbers not screaming loud enough for you?

Speaker 2:
[69:51] I mean, it's not going to because the gambling has stopped, so.

Speaker 1:
[69:55] Since a couple days ago!

Speaker 2:
[69:58] What?

Speaker 5:
[70:00] What are you talking about?

Speaker 3:
[70:02] How are you going to gaslight me with that shit?

Speaker 5:
[70:05] Oh, off.

Speaker 1:
[70:08] off. Don't ever say the gambling has stopped again. It will.

Speaker 5:
[70:13] It is.

Speaker 2:
[70:14] It has.

Speaker 3:
[70:15] Since Saturday.

Speaker 5:
[70:16] Since Saturday.

Speaker 2:
[70:17] Yeah, since Saturday.

Speaker 3:
[70:18] Almost a week.

Speaker 5:
[70:19] Shut up!

Speaker 4:
[70:22] I don't feel so bad.

Speaker 2:
[70:23] Well, shut up. Here's the thing. We're homeless.

Speaker 5:
[70:27] So of course, yeah, I can't afford to gamble.

Speaker 1:
[70:29] You're living with your parents. Shut the up, homeless.

Speaker 4:
[70:32] If anybody's homeless, I'm homeless.

Speaker 1:
[70:35] City Simplicity. Who's this?

Speaker 2:
[70:37] Me.

Speaker 1:
[70:38] What are we going to see here? Oh, over maxed out. That's curious.

Speaker 2:
[70:42] Not by much, though.

Speaker 1:
[70:44] Oh, that doesn't... Shut the up by much. What do you mean by much? How much can you?

Speaker 2:
[70:48] Make another minimum for the next month?

Speaker 1:
[70:49] Yeah, before you purchase it on it, because you made a $50 minimum monthly payment, and then you purchase $82.66. So don't give a if you make a minimum $1,219. And 21 cents is the balance.

Speaker 2:
[71:01] If I make a minimum and not use it.

Speaker 1:
[71:03] Which you're incapable of, so I don't give a. And even if you make a minimum and don't use it, it takes eight years to pay off. Eight years! That's the shortest payoff, by the way, we've had so far.

Speaker 2:
[71:14] It's because the balance is lower.

Speaker 3:
[71:18] Yes.

Speaker 1:
[71:19] With a 58-hour and 9-cent minimum monthly payment. Wingstop. Critical, huh? Critical! We couldn't survive without Wingstop! Couldn't survive without going in again, and it's a bullshit! Interest accruing, high interest rate. Okay, Nick, credit card. Chase credit card. $1,000. She says she doesn't know how to log in.

Speaker 2:
[71:47] Well, they, yeah. To even pay? Right. I just make the... Oh, you call to pay? I call to pay.

Speaker 1:
[71:53] Oh, why do we live our life in such an overly complex...

Speaker 2:
[71:57] There's so much mental energy. The card is in his name. He would have to call... Call!

Speaker 4:
[72:05] I didn't even know I had that card.

Speaker 1:
[72:06] Dude, you're in the bath in four hours a day. Call the bank.

Speaker 4:
[72:09] I don't even know, but I have no clue what... Like, any of them cards.

Speaker 1:
[72:13] What?

Speaker 4:
[72:14] Yeah.

Speaker 1:
[72:15] Did she not tell you?

Speaker 4:
[72:15] I've been so hands off that I have no idea what I did.

Speaker 1:
[72:18] Why haven't you told them?

Speaker 2:
[72:19] I've tried. He wants nothing to do with it. He wants the freedom of not having to deal with it.

Speaker 1:
[72:24] You don't get that freedom as a father or a partner.

Speaker 5:
[72:27] You can say what you want.

Speaker 2:
[72:28] I've tried a few times to talk to you about it, and it's as though you don't want to do it.

Speaker 3:
[72:33] Well, I know I tried when I made the bet.

Speaker 2:
[72:34] His logic of what he wants to do is he wants to get another card with interest free and then transfer all the balances over.

Speaker 1:
[72:39] That doesn't change any behavior, asshole. That's going to make you get double the credit card debt because then you're going to not change behavior and build up the one that just went to zero.

Speaker 4:
[72:47] Well, the only time that we talked about that is instead of calling...

Speaker 1:
[72:51] Don't do that either until you change behavior.

Speaker 4:
[72:53] Right. That's the only time I get involved or she brings it to me.

Speaker 3:
[72:59] Whenever Mom won the 60 grand, I tried to show you all the credit cards and everything and you wouldn't look.

Speaker 4:
[73:05] Because it doesn't matter what I say, you're going to do what you want, right?

Speaker 3:
[73:10] It'd be nice to know what's going on, no?

Speaker 2:
[73:12] But if you wanted to know, I feel like you should have been more forceful with it. I mean.

Speaker 4:
[73:18] Like I've tried to get her to say-

Speaker 1:
[73:19] What's the minimum monthly payment on this?

Speaker 4:
[73:21] 40.

Speaker 1:
[73:22] Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer Financial Score at calebhammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes, and it is free. Figure out where you stand in the world of money, calebhammer.com. Let's see, I can't even see the actual amount.

Speaker 2:
[73:54] It balances a thousand, but...

Speaker 1:
[73:56] Okay, care.

Speaker 2:
[73:58] Oh, care credit.

Speaker 1:
[73:59] Care credit.

Speaker 2:
[73:59] Yeah, that one, they kind of screwed me on.

Speaker 1:
[74:01] So this is yours.

Speaker 2:
[74:03] That's mine. He had one, but we paid it off, because if you don't pay it off in a year, all the interest compounds.

Speaker 1:
[74:10] So how did you get screwed on that? That's deferred interest.

Speaker 2:
[74:12] Well, because I didn't... It was the first...

Speaker 1:
[74:14] Well, you look at it.

Speaker 2:
[74:15] I know, and I didn't...

Speaker 1:
[74:16] You didn't get screwed over. You didn't look at it, dude. That's not getting screwed over. You can't be a victim in everything. Four years to pay off, almost max out, $893. Okay, yeah, minimum repayment, and then $30.

Speaker 2:
[74:28] It's not maxed out.

Speaker 1:
[74:29] Almost, it's close.

Speaker 2:
[74:31] And I don't use that.

Speaker 1:
[74:32] Shit ton of interest, of course. 26.69% interest rate. Who has a Home Depot credit card now?

Speaker 2:
[74:38] That's Nix.

Speaker 1:
[74:41] Who pays this?

Speaker 2:
[74:42] I do.

Speaker 1:
[74:43] So I'm confused, because a larger payment was made on this one. And then no purchases, but there was purchases on everything. There were fines. What the is happening here? Okay, you owe $834.12. Minimum monthly payment, $50.04. Okay, 23 months to pay off. Went down from $1200, but... Oh, you were passed... No, you weren't. What is this fee? Oh, it's just a monthly fee. This is just a horrible card. Oh, it's in a 35.99% interest rate.

Speaker 4:
[75:17] Oh, good God. That's you.

Speaker 1:
[75:20] Oh, you wanted to start a lawnmower business?

Speaker 5:
[75:22] Yes, that's where this came from.

Speaker 4:
[75:23] What are we even talking about? You wanted to start a business.

Speaker 1:
[75:26] You can't even get out of the bathroom.

Speaker 2:
[75:29] That was when he didn't have a job.

Speaker 1:
[75:31] When was that?

Speaker 3:
[75:32] Right before rehab. It was right before rehab. Because that was what threw them into the ultimate.

Speaker 1:
[75:39] Because you didn't want to get tested?

Speaker 3:
[75:41] No, he didn't want to work.

Speaker 2:
[75:43] He didn't want to work. He still will tell you to this day, if he didn't have to work, he doesn't want to work.

Speaker 1:
[75:49] Anything at all? Well, no, I mean, I would work. I would just do exactly what I wanted.

Speaker 4:
[75:53] What do you want to do? I'd love to get into having like, I mean, I'm just a big kid. Like I still, one of my voices is baseball cards.

Speaker 1:
[76:01] What's the same vandalization of all of you?

Speaker 4:
[76:03] Yeah, baseball cards, football cards. Oh, for f**k's sake. Yeah, no.

Speaker 1:
[76:06] That would be your job?

Speaker 4:
[76:07] Baseball cards? Yeah, I would probably get into a collection.

Speaker 1:
[76:12] Okay, don't pursue your passions ever.

Speaker 4:
[76:14] Yeah, right.

Speaker 1:
[76:17] Good f**k.

Speaker 2:
[76:18] But that was what that is from.

Speaker 3:
[76:21] The card was open for?

Speaker 2:
[76:22] The card was open for his lawnmower business that went nowhere.

Speaker 1:
[76:25] PayPal, who's this? You have everything.

Speaker 3:
[76:28] His.

Speaker 1:
[76:29] Of course. But you use it, right?

Speaker 3:
[76:31] I don't use it.

Speaker 1:
[76:32] Four years to pay off, you pay it?

Speaker 2:
[76:34] Yes.

Speaker 1:
[76:35] 761.92 with a $30 minimum monthly payment.

Speaker 2:
[76:39] The only time I've ever used the PayPal was to pay like a centrax, like a water bill to help pay in the water bill.

Speaker 1:
[76:47] Why is it so high then?

Speaker 2:
[76:48] These were purchases from a long time ago. I don't even know with PayPal.

Speaker 1:
[76:54] You guys are making so much progress, but you put it all to gambling. You could have such a good life. You have no idea. Who has the credit one?

Speaker 2:
[77:01] Me.

Speaker 1:
[77:01] Credit one is like the definition of the worst of the worst.

Speaker 2:
[77:04] Yes, I know this because they charge a monthly $8 fee just to have the card, but it's like $378.

Speaker 1:
[77:14] You think that's supposed to make a break in your life? No, it's you're gambling. $367.79 with a $30 payment. It's almost maxed out. Interest and fees are accruing. Okay, what is this? Baptist Health.

Speaker 2:
[77:29] Oh, so he had a medical emergency. What? So his ankle was...

Speaker 4:
[77:38] Yeah.

Speaker 2:
[77:39] So he had to go to the circulation. Yeah, so it's $50 a month.

Speaker 1:
[77:45] Okay, and you owe $343.26. I mean, this doesn't stress me out as much, medical specifically, but... I just don't understand why we gamble while we have this. Okay, money owed to family. What the... $57,000?

Speaker 2:
[78:03] So that was for the purchase of the Five Acres.

Speaker 1:
[78:06] Okay, so you bought the property $57,000 from family. So it's a personal loan to a family.

Speaker 5:
[78:14] I thought you said you acquired property.

Speaker 1:
[78:16] Oh, I didn't realize you were still owed family for it. Oh, what the... What's the minimum monthly payment? Is there interest on this?

Speaker 3:
[78:22] No interest in 130.

Speaker 1:
[78:24] How does she know?

Speaker 3:
[78:25] No, 300.

Speaker 2:
[78:26] 130? Yeah, it's 300. Can someone tell me, what the...

Speaker 1:
[78:30] are we doing? Why are we even doing this, guys? You could have got just a nice house somewhere. What the f*** are we doing? Why? What is this obsession with grass? I'm glad you have it. You'd get it somewhere else.

Speaker 2:
[78:40] Well, the reason why we wanted the five acres is because it's right next to our family. And...

Speaker 1:
[78:53] But you had to borrow from family. Borrow from family! $57,000. Now you have $300 a month. You're lucky at zero interest, but it's so stupid. You'll go into debt for everything. Who has student loans?

Speaker 2:
[79:08] We both do.

Speaker 3:
[79:09] We all do.

Speaker 2:
[79:11] What?

Speaker 1:
[79:11] Who has $57,000 on one? $53,000.

Speaker 2:
[79:15] Who is it through?

Speaker 1:
[79:16] Advantage.

Speaker 2:
[79:17] Oh, that's him.

Speaker 5:
[79:19] For what?

Speaker 4:
[79:20] I got a bachelor's degree. For what? In marketing.

Speaker 2:
[79:24] Business marketing.

Speaker 4:
[79:25] Yeah.

Speaker 1:
[79:26] Oh, my f***, dude. What the f***? When? This is so much. $53,132.56 minimum monthly payment. $718.01. What the f*** are we doing? What the f*** are we doing, guys?

Speaker 2:
[79:46] So, I signed up for a plan on that one. It'll be paid off in 12 years. It's $270.

Speaker 1:
[79:53] Enjoy that forever. My god.

Speaker 2:
[79:56] $270.

Speaker 1:
[79:57] Okay, who has Mojila?

Speaker 2:
[79:59] Me.

Speaker 1:
[79:59] And what's the total balance on this?

Speaker 3:
[80:01] Yeah, that's mine. I have two separate loans, but the total is about $4,000.

Speaker 1:
[80:08] And you got no student loans? Or you got no degree, right?

Speaker 3:
[80:11] No degree. No, I went first one semester because I felt a little bit of pressure from family to go, but there was also no... Why?

Speaker 1:
[80:19] You felt too complicated not being literally under your parents' nose for two hours?

Speaker 3:
[80:23] I was driving home every day. I was driving home every day.

Speaker 1:
[80:26] Oh, no, I was driving home.

Speaker 4:
[80:29] What the f...

Speaker 1:
[80:30] Oh, wait, you had a dorm?

Speaker 2:
[80:31] Yes.

Speaker 1:
[80:32] Dude, you are too sheltered.

Speaker 4:
[80:35] Thank you.

Speaker 1:
[80:37] You're actually going to have a weird life.

Speaker 3:
[80:39] Probably. I mean, I don't know a lot of things. Like cleaning, I have been watching videos because we're supposed to get our own place to learn how to do maintenance on house.

Speaker 1:
[80:48] You're watching videos on cleaning.

Speaker 3:
[80:50] I had no idea that like dishwashers and fridges had filters that you're supposed to clean. No idea.

Speaker 1:
[80:56] You're watching videos on cleaning at 21.

Speaker 2:
[81:02] I didn't know that. You could have asked me.

Speaker 1:
[81:04] Could you guys parent for once in your life ever?

Speaker 2:
[81:07] She could have asked me. I've tried.

Speaker 1:
[81:11] So mom made you go to this college and go to the dorms.

Speaker 2:
[81:15] She, I essentially forced her.

Speaker 1:
[81:18] Honestly, you probably should have. You probably should have.

Speaker 2:
[81:22] And a lot of that.

Speaker 1:
[81:23] You're a f***ing shut in.

Speaker 3:
[81:24] But also what I was going for wouldn't have been worth it. Cause I was going for animal scientists. What?

Speaker 1:
[81:29] There are animal scientists though.

Speaker 3:
[81:31] But I can't do blood. I'll pass out.

Speaker 1:
[81:33] Even animal blood?

Speaker 3:
[81:34] Yeah. Can't do it. I will faint.

Speaker 1:
[81:36] Then do something else.

Speaker 3:
[81:37] I don't know. Yeah. I don't... It wasn't for me. Shouldn't have gone in the middle.

Speaker 1:
[81:45] And now you're just going to be a bank teller for the rest of your life, living with your parents forever?

Speaker 3:
[81:52] But everybody loves me there. And they keep saying that. Wow.

Speaker 1:
[81:56] What an accomplishment.

Speaker 3:
[81:59] I'll get up the ladder at some point.

Speaker 1:
[82:01] Will you?

Speaker 3:
[82:01] Yeah.

Speaker 1:
[82:02] You're satisfied living at home. Having your parents walk on your doorstep.

Speaker 3:
[82:08] I've also walked in on them.

Speaker 4:
[82:10] But we're married.

Speaker 1:
[82:11] Can we not put socks on doors or something if we're going to live like this? Who has the key to Sorrento? Okay. What's the balance? I can't tell.

Speaker 2:
[82:19] It's like 12 or 13 thousand.

Speaker 4:
[82:21] No.

Speaker 1:
[82:21] $13,280.65. Minimum monthly payment. What's your minimum monthly payment on your student loans?

Speaker 3:
[82:30] $55 a month.

Speaker 1:
[82:32] $55. And then yours on this Kia, $184.

Speaker 2:
[82:36] Well, it's really...

Speaker 1:
[82:37] You missed your student loans. What are your student loans?

Speaker 2:
[82:39] Oh. So, they're about 57 to 60,000.

Speaker 1:
[82:45] What's 60? What's your minimum?

Speaker 2:
[82:47] So, I signed up for a plan and it's $250 a month.

Speaker 1:
[82:53] I'm going to die.

Speaker 2:
[82:53] And in five years, anything not paid off will fall off. So, it's an income contingent plan that I signed up for.

Speaker 1:
[83:02] When?

Speaker 2:
[83:04] About a month ago.

Speaker 1:
[83:06] Okay.

Speaker 2:
[83:07] Because the first payment is just now coming due on that.

Speaker 1:
[83:09] That doesn't make sense. With who? The federal government? The rapid payment assistance program forgiveness is like 40 years of low payments.

Speaker 2:
[83:15] It was ED Financial and it was for five years.

Speaker 1:
[83:19] I would double check.

Speaker 2:
[83:19] I think it's the length of the... It's because it's been so long. I mean, I graduated in 2010.

Speaker 1:
[83:24] I would just double check. Okay. What's GS Lending Services?

Speaker 2:
[83:27] GLS.

Speaker 1:
[83:28] Pass due. Pass due $643.

Speaker 2:
[83:31] That is...

Speaker 5:
[83:32] What the f*** is this?

Speaker 2:
[83:33] That's...

Speaker 1:
[83:34] What else is it? A 12.7% interest rate of death.

Speaker 2:
[83:37] Yeah. That's the Hyundai.

Speaker 1:
[83:38] Oh, it's a Hyundai. Who's Hyundai?

Speaker 2:
[83:40] Well, it originally started as hers, and we bought it for her when she went to college. Brand new.

Speaker 1:
[83:46] Of course we couldn't stay out of the house. Oh, the Kia was passed to as well.

Speaker 2:
[83:50] Yeah. Well, the Kia... I'm going to die.

Speaker 1:
[83:53] So tell me, what, now he has it?

Speaker 2:
[83:55] Well, hang on. So the Kia is $435 a month.

Speaker 1:
[83:58] Yeah.

Speaker 2:
[84:00] As far as the Hyundai, yes, now he has it. We bought it from her for $3,000, and she went and got her another vehicle.

Speaker 3:
[84:09] Wait, wait, wait, wait.

Speaker 1:
[84:10] Oh, the Kia. Okay, okay, okay. The Kia is $435 a month?

Speaker 2:
[84:13] Correct.

Speaker 1:
[84:13] Okay, so I had it lower. But the Hyundai, what's going on with this?

Speaker 2:
[84:17] So it's $643 a month. And so currently what I...

Speaker 1:
[84:23] Okay, but you're late.

Speaker 2:
[84:24] Correct. So what I do is I just, I'm a month behind.

Speaker 1:
[84:28] So how much a month?

Speaker 2:
[84:30] A month behind.

Speaker 1:
[84:31] So it's three...

Speaker 2:
[84:32] No, it's $643.

Speaker 1:
[84:33] Oh, now you're double. Oh, $643.91. My life, my life. Oh, a total of $16,781. What are we doing? $639.39. And you're gambling, yet you're behind. This is so ridiculously. You have, this is so stupid. Okay, the amount of paperwork left is usually the amount of paperwork that someone comes into Financial Audit with. We're at an hour and 29.

Speaker 3:
[85:02] Jeeze Louise.

Speaker 2:
[85:04] I think that you're about done.

Speaker 1:
[85:06] She just hit me with a Jeeze Louise. She needs to leave this house immediately. She needs to go get some life. She's saying Jeeze Louise. She's an 80-year-old. She has no life. She needs to leave this house.

Speaker 3:
[85:18] I don't like cursing in front of my parents.

Speaker 1:
[85:19] You don't have to curse, but Jeeze Louise is something no human has ever said in the history of 21 years old.

Speaker 3:
[85:27] I'm around a lot of old people at work.

Speaker 1:
[85:28] Kick her out and home.

Speaker 2:
[85:30] I appreciate that she doesn't curse.

Speaker 1:
[85:33] You don't have to curse, I'm saying you're an old person.

Speaker 2:
[85:36] Oh, okay.

Speaker 1:
[85:38] What is this $24,264?

Speaker 2:
[85:41] That's not me.

Speaker 3:
[85:42] That's my car.

Speaker 1:
[85:43] Oh, you. What are you doing?

Speaker 3:
[85:45] It's an Acura TLX 2020.

Speaker 4:
[85:49] But when you don't pay rent, you can spend that kind of money on a car.

Speaker 3:
[85:53] Huh?

Speaker 1:
[85:55] $24,264. What's your minimum monthly payment?

Speaker 3:
[85:59] It is $480,452. But I got, so I refinanced with my bank that I work for.

Speaker 1:
[86:06] Is this the refinance or before?

Speaker 3:
[86:07] That's the refinance.

Speaker 1:
[86:09] Is the refinance at 7.25%? It's not great. It's still going to pay it off quick.

Speaker 3:
[86:13] So stupid. It's a lot better than what it was.

Speaker 2:
[86:15] Sure.

Speaker 1:
[86:15] Great. Doesn't mean it's good. Okay. Amy, medical bills.

Speaker 2:
[86:20] Oh, that's-

Speaker 1:
[86:21] I don't even have a number.

Speaker 2:
[86:22] It's UAMS.

Speaker 1:
[86:24] How much is this?

Speaker 2:
[86:24] So it's $782, I believe. $738.

Speaker 1:
[86:30] What's the minimum monthly payment?

Speaker 2:
[86:33] And that's because he had to go to the ER and we didn't have insurance.

Speaker 1:
[86:36] For the ankle thing?

Speaker 2:
[86:38] And he didn't have insurance at the time.

Speaker 1:
[86:40] Okay. I think that's actually the debt.

Speaker 2:
[86:42] The rest of this is checking accounts? Well, in savings, it's checking, savings, and I have 401K.

Speaker 1:
[86:50] Yeah. Let's see what those are like. Okay. This checking account, who is it? Ended at $26. Arvest.

Speaker 2:
[86:57] What is the account number?

Speaker 5:
[86:59] I don't know.

Speaker 1:
[87:00] I don't know. It's blacked out for your safety. Huh?

Speaker 2:
[87:05] Oh, it's his.

Speaker 1:
[87:06] It's Nick's. There's his trip to McDonald's. And he went to $26.

Speaker 2:
[87:12] There's going to be just a lot of trends.

Speaker 1:
[87:14] McDonald's, Summer, Autumn, Play, Gambling. Laser Great Gift Shop, $47.

Speaker 2:
[87:22] That's Gambling.

Speaker 1:
[87:25] JH. Martt?

Speaker 2:
[87:27] No, that's going to be a gas station.

Speaker 1:
[87:29] So, you're going in and getting some bullshit, going in and getting some bullshit, Amazon, Cash App, Plex Worldwide, Gambling, Gambling, Gambling. Going inside, getting some bullshit, McDonald's, getting some bullshit, Water Burger. This is insane. Getting some bullshit, Burger King, Gambling, Gambling, Chick-fil-A, I think Gambling, Bulldogs Restaurant, Smoke Palace, Cigarettes and Gambling, and Gambling, and Gambling, and Cash App for $50, Amazon, Walmart. Yeah, bullshit, probably. Smoke Shop, going to get into bullshit, Amazon, this is insane, Ocean Dock.

Speaker 4:
[88:08] Gambling.

Speaker 1:
[88:09] Liquors, smoking, going inside, getting some bullshit, Gambling, I think Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. Yeah, you know how it added up to the thousands we talked about before the dollar wise saw? Yeah. McDonald's, Amazon, Amazon, Texas Roadhouse, La Quinta, Inns and Suites, where are you going?

Speaker 4:
[88:27] Yeah, where we're going?

Speaker 1:
[88:29] Gambling, Cash App, Amazon, Amazon, Gambling, Gambling, Gambling, Cash App, Gambling, Gambling, Gambling, Gambling, Own It Fit.

Speaker 4:
[88:39] What is it?

Speaker 1:
[88:40] Own It Fit.

Speaker 2:
[88:41] Own It Fit. Own It Fit.

Speaker 4:
[88:42] That adds up to gambling.

Speaker 1:
[88:44] Gambling, Gambling, Gambling, Amazon. This is $37. Gambling, Gambling, Gambling, Gambling, Gambling, Seven Brew, McDonald's, Sonics, Going to Get Into Bullshit, Smoking, Bullshit, Bullshit, Bullshit. Dairy Queen, McDonald's. This is insane. This is one month is crazy. Gambling, Roblox.

Speaker 3:
[89:03] Oh, My Little Brother.

Speaker 1:
[89:07] It's getting grim too. Gambling, Gambling, Gambling, Gambling, Gambling, Cash App, Amazon, Taco Bell. Who are you sending Cash App to?

Speaker 2:
[89:17] That's to the friends in Brother-in-law.

Speaker 1:
[89:20] Okay. Gambling, Gambling, McDonald's, McDonald's, Gambling. Oh, no. Bullshit, Bullshit, Bullshit. Bullshit, McDonald's, Cash App, Cash App. So Cash App, away for hours at a time, locking himself in the bathroom.

Speaker 2:
[89:35] Well, Cash App also is for the game. So if you win money, it goes through Cash App.

Speaker 1:
[89:40] Okay, Cash. Yeah, but this is, no, these are, these are outs. These are outs, not in.

Speaker 2:
[89:45] Oh, they're all outs?

Speaker 1:
[89:46] Yes.

Speaker 2:
[89:47] Well, you can also do Cash App for the gambling as well.

Speaker 1:
[89:52] Parties, I think Gambling, Bullshit, Gambling, Gambling, Gambling, Bullshit, McDonald's. Dude, this is the most insane checking account I've ever seen. This is actually disgusting. Cash App, Gambling, Bullshit, McDonald's, Fashion? Hallway Fashion?

Speaker 3:
[90:09] What's the amount?

Speaker 1:
[90:10] $48.87.

Speaker 3:
[90:11] Gambling.

Speaker 1:
[90:13] What the are we doing? Cash App, Gambling, Gambling, Bullshit, Bullshit, Gambling, Gambling. This is insane. This is insane. All right, whose account went from $52 to 1,267?

Speaker 3:
[90:27] I was going to say I don't have that bank account.

Speaker 1:
[90:29] Shedding some bullshit. Wendy's, Gambling, Gambling, Gambling. RB Sonic, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. Gambling, Schlotzky's, Gambling, Texas Roadhouse, Gambling, Gambling, Gambling. Bullshit, Bullshit, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling.

Speaker 4:
[90:49] I think we have a gambling problem.

Speaker 1:
[90:51] Oh, I think so. I would actually get some help on this. Gambling, Bullshit, Trick-or-Play, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Bullshit, Gambling, Gambling, Gambling, Wendy's, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, 50 bucks a pop by the way.

Speaker 4:
[91:13] Yeah. Yeah.

Speaker 1:
[91:14] Yeah. That's why you should have used that. Otherwise, you would have seen these numbers and you would have grown up. Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Wendy's. Come on. Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. Gambling, Gambling, Gambling, Gambling, Gambling, Papa John's Gambling, Gambling, Bullshit, Gambling, Gambling.

Speaker 4:
[91:33] Might actually have more on there than I do.

Speaker 2:
[91:36] We have just as much.

Speaker 1:
[91:38] Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. PayPal out, probably to Gambling. Gambling, Gambling, Gambling, Gambling, Gambling. Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling.

Speaker 4:
[91:53] I'm seeing a pattern here.

Speaker 1:
[91:56] Gambling, Gambling, Sonic, BS, Subway. Okay. With two over traps.

Speaker 4:
[92:04] And how many months is that?

Speaker 3:
[92:06] One.

Speaker 1:
[92:06] One. You have Capital One, who has Capital One?

Speaker 3:
[92:10] Me and my mom both have Capital Ones.

Speaker 1:
[92:12] Okay, who has a dollar? Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. Zalow, ATM and Trawl, $200. Gambling, Gambling, Gambling, Gambling, Gambling, Gambling, Gambling. All this in one month. Gambling, Gambling, Gambling. ATM and Trawl, Gambling, Subway, Gambling, Gambling. The savings she was ragging about earlier went from $4,000 to $2,000. So she could gamble. So your retirement for the remainder of your life at almost $50,000 is $17,000 and then $1,500. What a pathetic joke.

Speaker 3:
[93:15] Yeah, that second one is mine. My retirement.

Speaker 1:
[93:17] You?

Speaker 3:
[93:18] She has retirement. This one's mine.

Speaker 1:
[93:21] Budget. Figure out his income. Go get on loans together. Go get a rental and live your life and pay off your debt, asshole. That's all you need. You guys need something else entirely. Get out. No wonder you're on Financial Audit with them, because you can't separate yourself. It's really weird. Leave the house.

Speaker 2:
[93:45] You're going to be a weird freak, dude.

Speaker 1:
[93:49] The minimum monthly payments for this household, not hers, included is $3,735.05. Absolutely insane. You're lucky with the household. You're bringing about $9,974. Wait, no, $8,974 net. Well, no, gross. You got to set 30% aside. I'm going to take off $1,000. $7,974. When's the last time you filed taxes?

Speaker 2:
[94:16] We do them every year.

Speaker 1:
[94:17] Okay. Okay. Utilities, electric. Well, I don't even know, but usually what is it?

Speaker 2:
[94:23] So we have for the trailer, it's about $220 a month. For the shop, it's about $115 a month. Okay.

Speaker 1:
[94:37] Gas, vroom, oh.

Speaker 2:
[94:38] Then we have the rent house because we planned on-

Speaker 1:
[94:45] How much?

Speaker 2:
[94:47] It is $55 a month.

Speaker 1:
[94:52] Okay. Gas, vroom, vroom, drive, drive. How much on a monthly basis?

Speaker 2:
[94:57] $80 a month.

Speaker 1:
[94:58] For both?

Speaker 2:
[94:58] For me.

Speaker 1:
[94:59] Okay. You? Driving, car, vehicle?

Speaker 4:
[95:02] Probably $40 because I don't drive a lot.

Speaker 3:
[95:05] I drive company vehicles.

Speaker 2:
[95:07] And his work is right down the road.

Speaker 4:
[95:09] Right.

Speaker 1:
[95:09] Okay. Phone bill?

Speaker 2:
[95:12] $220 a month. And we're all three on the plan.

Speaker 1:
[95:17] Groceries, one, two, three. You guys used the meal plan, used the cookbook, used all the good stuff. You guys, not her included, she's on her own now. You're dead. You're independent.

Speaker 3:
[95:33] Okay.

Speaker 1:
[95:34] You guys with the kids should be able to do about $700 a month. TP fund, anything else you guys need is $5,250. Medical healthcare. Co-pays on a monthly basis, any?

Speaker 2:
[95:43] Yes.

Speaker 1:
[95:44] How much?

Speaker 2:
[95:44] We pay his separate, it's $235 a month.

Speaker 1:
[95:48] Okay.

Speaker 2:
[95:50] Mine's included on my check.

Speaker 1:
[95:51] Co-pays, no co-pays though?

Speaker 2:
[95:52] No co-pays.

Speaker 1:
[95:55] What do you mean by co-pay?

Speaker 2:
[95:57] Like if we go to the doctor, there would be a co-payment.

Speaker 1:
[96:00] Do you go to things on a monthly basis?

Speaker 4:
[96:01] No.

Speaker 1:
[96:01] Okay. So $235. I'll try to do subscriptions of $75. You have any pets outside of hers?

Speaker 2:
[96:08] No.

Speaker 1:
[96:08] You're going to have to get them pet insurance.

Speaker 3:
[96:10] She's keeping two dogs when we move.

Speaker 1:
[96:12] Are you?

Speaker 4:
[96:13] Are we?

Speaker 2:
[96:15] Well, I said we keep one, but she needs me to take care of the other one.

Speaker 3:
[96:20] Yeah. So they can't be under the same house.

Speaker 4:
[96:22] Yeah.

Speaker 1:
[96:23] One, two.

Speaker 4:
[96:24] We'll have to.

Speaker 1:
[96:24] Okay. Okay. Pet insurance, $100, because you can't take care of them if they get sick. How much for pet food for those two?

Speaker 2:
[96:29] Well, I'm not going to pay for any of that.

Speaker 1:
[96:31] Oh, she's going to pay for it?

Speaker 2:
[96:32] Yeah, I'm going to be paying for it. They're her dogs. They're just simply staying with us.

Speaker 1:
[96:36] Anything else that needs to be in your guys' budget that I have not included?

Speaker 4:
[96:42] Not that I can think of.

Speaker 1:
[96:43] It's bare bones.

Speaker 2:
[96:45] What? We didn't do the water or the gas bill.

Speaker 1:
[96:49] I asked for utilities. How much of those?

Speaker 2:
[96:50] Oh, the two. I was giving you only electorate. Okay, yeah.

Speaker 1:
[96:53] Give me those.

Speaker 2:
[96:53] Okay. So we had water leaks, so it's kind of hard to know. About 120 for the water. And then gas is about 75 a month.

Speaker 1:
[97:08] Anything else?

Speaker 3:
[97:08] Water for the house, not the trailer.

Speaker 5:
[97:11] The water at the house.

Speaker 2:
[97:13] Yeah, no, the 120 includes that.

Speaker 1:
[97:14] That includes, okay. Okay, there is a debt payoff journey here, but it's low and slow, unfortunately, but $5960.05. I would not do bankruptcy until you change your behavior and then you can consider it, or else you'll be in this situation again. However. I mean, it's gonna take a long ass time. So this is $20,000 of bad debt. Does that line up? Let's just pretend, for the sake, you have $35,000 of bad debt. In case I got something wrong here. But even still, with your $5,900, you have left of your $7,900. That gives you $2,000 to play with on a monthly basis. So that's just 17 months. I'll actually give you guys $250 for fun for the kid.

Speaker 3:
[97:59] Well, we also kind of need to factor in housing, like a mortgage of some sort, if they can.

Speaker 1:
[98:05] Yeah, well-

Speaker 4:
[98:07] We don't know what we're going to be building.

Speaker 1:
[98:08] We don't know what we're going to be building. Well, I wouldn't build something now. I would rent something now, get your debt taken care of, and then pay this off. If you rent something out for a thousand, this doubles it. It takes two and a half years to pay off the debt. But that's okay. Go work some more hours, and that's fine. And you can pay off even quicker. I'm okay with that. And you're just doing it with you two, the two dogs and the one kid, so you don't have to rent something crazy. And it's just a couple years. Pay off the debt, get it fully funded emergency fund, then build something. You can do that. That's fine. This is just a couple year process. Couple year process. That's fine. This isn't the end of the world. How much does it take to get up that house to living standards for you guys to live in that for a while?

Speaker 2:
[98:43] Into the rental house?

Speaker 3:
[98:45] So they want to bulldoze it down.

Speaker 1:
[98:49] Well, yeah, but what if they're temporarily? What would it take?

Speaker 4:
[98:51] Temporarily, I would say probably 10 grand maybe, probably, because I mean, That might be worth it.

Speaker 1:
[99:00] So I'd put, I'd maybe put 10 grand to get someone else to fix it up and make it so that you guys can live in there, because that all of a sudden brings your minimum through payment down once the 10 grand is gone. Meaning you can pay off all your debt in one and a half years, all your bad debt, the minimum through payments and student loans in the family. And then you are saving up a full fund emergency fund, and then you save up enough to put a down payment down on building a dream house, which you guys can under situation. But none of this includes gambling, of which was thousands. So what was it, like $5,000? You have 2,000 hours left. After the 10,000 hours you borrowed to get it fixed up, you probably only have like 1,500 left. This does not work unless you quit gambling, go get help. That's it. That's it. And then build this budget and work on it. I'll give you this. You follow it. It's not that difficult to stop being children with your money. You guys are adults. We're going to call the boyfriend of the post show and we need to confront him on a lot of shit. So make sure you join Hammer Lee. Let's get the Hammer Financial Score first though. We're going to do it for you guys. For you, grow the up is your score. My goodness, I don't even know what to do with you. We'll figure that out in the post show with your boyfriend because we need more info from him. You guys though, spending in a budget overspent, not even close to your I-10 debt, no collections, bad, just lots of individual debts. It's kind of crazy. I'll give you a one out of 10 though. That's being generous. A Merchancy Fund is what, $2,000 in savings. That's probably about a one out of 10 for you guys' living situation. Retirement, dramatically behind, two out of 10. Real estate, you own land, but not a house. It's weird. And also, you have a family debt on it. It's not great. Not happy about it. Three out of 10. Hammer Financial Score for y'all's household, 1.5 out of 10. Get yours at calebhammer.com. Now click Join Hammer Elite. Three premium shows posted every single day, six days a week. See you in the post show. I kind of want to know why you're a loser who won't pay rent even though they've asked you to pay rent and you're not contributing anything to this household whatsoever. Oh, he sounds like that absolute pothead. What would you guys think if you had a daughter and you moved in a 16, 15 year old guy and he started fucking her in the house?

Speaker 2:
[101:04] Like your worst nightmare.

Speaker 1:
[101:05] I don't think I would let him stay there.

Speaker 2:
[101:07] Dad, step in!

Speaker 1:
[101:09] Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.