The Craziest Debt In Financial Audit History

Financial Audit

In this intense episode of Financial Audit, host Caleb Hammer dives into the chaotic financial life of Grant and Scarlett, a married couple from San Antonio with two young children and

Key takeaways

• Grant's financial decisions are made without transparency, including signing contracts for new properties while ignoring tax obligations.
• The couple has no emergency fund, zero retirement savings, and a severely negative net worth due to unmanaged debt and lack of financial planning.

Main topics

• Hidden debt and undisclosed real estate investments
• Lack of tax compliance and financial transparency

Notable quotes

"He just put in two more contracts for houses behind her back. They are so beyond screwed."

Conclusion

The episode reveals a deeply dysfunctional financial and marital dynamic where secrecy, poor planning, and

Transcript preview

Speaker 3 (0:00) To watch episodes of Financial Audit a week earlier, check us out on YouTube. Haven't we ever talked about divorce? Oh, yeah. A couple of times this week. I've seen a Speaker 1 (0:06) lawyer. Speaker 3 (0:06) Seeing a lawyer is a big step. Speaker 1 (0:08) I do try to bring things up in a manner that will not trigger him. Trigger him? Speaker 3 (0:13) Yeah, okay, yeah. What Speaker 1 (0:14) does Speaker 3 (0:14) trigger him? She's throwing a coffee, you punch a wall, and she says the next time she's going to drive into the f***ing ditch. Speaker 1 (0:21) It paints you a picture of what the reality is. Speaker 3 (0:23) Oh, f***. So you guys are like violent. Bro, toxic relationships are kind of fire. Does it support Speaker 1 (0:28) you? Speaker 3 (0:29) emotionally calls you bad words is literally the worst businessman I've ever met in my life and isn't even there for his family. Speaker 2 (0:35) Everybody's got to file bankruptcy at least once. Okay, your net worth is negative 1.3 million. Speaker 3 (0:40) Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33 % discount for the first three months or the annual plan at an insane discount. And most people sign up for the annual version because it saves a lot of money and you get my detailed 30-day meal plan signed by me, mailed directly to you, plus the digital version of my cookbook for each recipe. Speaker 2 (1:06) Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Speaker 3 (1:10) Go to dollarwise.com or click the link below. Speaker 3 (1:13) I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below. Speaker 1 (1:34) Hi, my name is Scarlett. I'm 30 years old. Speaker 2 (1:37) I'm Grant. I'm 31. We live in San Antonio, Texas. And Speaker 1 (1:41) this is Financial Audit. Speaker 3 (1:43) Hey, thanks for coming up to Austin. Scarlett, what do you do for a living in San Antonio? Speaker 1 (1:48) I am a stay-at-home mom. Cool. Speaker 3 (1:50) What kids? How many kids? What ages? I love kids. Speaker 2 (1:54) We've got a two-and-a-half-year-old and a 13-month-old. Speaker 3 (1:58) Okay, okay. So are we married? We are. We are married. Very good. How long have we been married? Ten years. Oh, okay. And, okay, you know, deciding to make... Kids now, that's fine. That works. Are there, what? Speaker 1 (2:15) Yeah, we decided to wait a little bit. Make sure things worked out first. Speaker 3 (2:18) Well, that's okay. That's okay. I don't know what the joke was, but that's good. And are there any more coming? Speaker 1 (2:24) Yes, I am currently pregnant. Speaker 3 (2:26) Oh, okay. Well, how much? Yeah, just barely. That's what I was thinking. Yeah, Speaker 1 (2:31) just six weeks. Oh, good for you. I wouldn't have Speaker 3 (2:32) honestly, I didn't even know. Well, great. You better make some money, dude. Listen, San Antonio is. Definitely, as far as the metros go, large metros in Texas, the cheapest by far. But please bring in some money. Speaker 2 (2:44) What do you do? I'm doing everything I can on that. Are you? Probably not. Well, we'll see. I don't know. I mean, I literally stayed up until like 1230 two days ago painting a wall. Speaker 3 (2:57) What the fuck? Okay. Oh, he stayed up to midnight. Every gamer ever. What? Come on. Well, I Speaker 2 (3:02) do kind of think about it that way sometimes. I'm like, well, I sit on a video game for 14 hours grinding for some bullshit piece of gear. I might as well just be in real life painting a wall or doing shower tile or something. Speaker 3 (3:15) So you're a contractor? Speaker 2 (3:17) Pretty much, yeah. I do anything that somebody will pay me money to do. Generally real estate related, yeah. What Speaker 3 (3:23) is your job? Speaker 2 (3:25) Well, I'm... Self-employed, but the primary way I'm making money right now is between real estate wholesaling and general contracting, basically. Speaker 3 (3:35) How often are you busy? Speaker 2 (3:36) How busy am I? Yeah, how often are you getting work? I mean, I'm pretty busy. Working in real estate, I kind of ended up running into a rental management company, and they manage like 700 doors. And so I can be working as Speaker 3 (3:51) much. Speaker 2 (3:51) Okay, so you help them. Yeah, basically they Speaker 3 (3:54) send— You fix the shit that's wrong with their rentals that they are managing. Right, yeah. Very good. How many hours a week are you working? All of them. When I'm not sleeping, I'm working. Well, that's good. Yeah. Right, isn't it? I mean, if there's only one worker and there's another kid coming. Okay, so give me what you're making. Speaker 2 (4:11) Look, I don't—the short answer is I have— Look, the short answer is I actually don't know. It's somewhere in between 10 to 15. I've been busy for like six months, but I've been doing... What Speaker 1 (4:26) are Speaker 2 (4:26) you laughing about? Speaker 1 (4:27) I'm sorry. Yes, he has been busy for six months. No, what are Speaker 3 (4:29) you Speaker 1 (4:29) laughing about? Well, a lot of it has been busy for free. Sometimes. Why? Speaker 3 (4:36) Well... Are you just repairing Speaker 2 (4:37) or are you like mowing the grass, doing the hedges? No, I mean, I'll do like drywall, tile, flooring, you know. Siding. Anything that is on a house, I can pretty much handle. Don't tell the city, but I can also do plumbing and electric and all that sort of stuff, too. Yeah, well, you just did, but. Yeah, fair enough. But no, I mean. What Speaker 3 (4:54) was the issue? Well, he was doing it for free. What? Speaker 1 (4:57) Yes, well, it does take a Speaker 2 (4:59) lot of time. Okay, so part of my story is part of one of my buddy's stories. So I, you know, I sell houses, and so I was like, hey. Speaker 3 (5:07) As a realtor? Speaker 2 (5:08) Well, you said wholesale. Yeah, wholesale. What are you doing? Well, I'm Speaker 3 (5:11) a Speaker 2 (5:11) licensed realtor, but I also pretty much primarily wholesale. I don't do traditional buyer's agent, listing agent sort of transactions. I do wholesale transactions. Yeah, yeah, yeah. Put a house under contract and sell Speaker 1 (5:24) it. Speaker 2 (5:24) What Speaker 1 (5:24) are your Speaker 2 (5:24) thoughts of his career? Speaker 1 (5:27) I actually, I enjoy what he's doing. You Speaker 3 (5:30) enjoy it because you never have to see him? Speaker 1 (5:32) No, oh no, absolutely not. No, I think that he loves what he is getting into doing. Yeah, I asked Speaker 3 (5:41) your opinion, not his. Speaker 1 (5:43) Yeah, that's fair. Speaker 1 (5:46) No, I think it takes up a lot of his time. But I think Speaker 3 (5:50) he's Speaker 1 (5:51) doing what he needs to do right now. Speaker 3 (5:55) Is it working? I mean, it sounds like it's been working for a few months. Speaker 1 (5:59) Yes, it's starting to work. I think it's starting to work. Speaker 3 (6:01) How long was it not working before it started to work? Six months. Well, so it's been working for six months? Probably a year and a half. Speaker 1 (6:09) No, actually, since he started, it hasn't been working. Who Speaker 3 (6:12) manages the money? Speaker 2 (6:14) Mostly her on the personal finance side. Okay, so how Speaker 3 (6:17) much money is coming in then, actually? And are you setting aside money for taxes as he's a contractor? Speaker 2 (6:24) Why? Speaker 3 (6:25) Well. Then f*** you. I hope you don't get a refund for your kids. Oh, we probably won't. Speaker 2 (6:29) We've never gotten a Speaker 1 (6:31) refund in years. We haven't gotten a refund ever. Speaker 2 (6:33) Yeah, I don't know why that always happens. Speaker 3 (6:35) I wish. We had Speaker 1 (6:36) to pay taxes Speaker 3 (6:36) for last year, so. Look, I'm going Speaker 2 (6:39) to pay the taxes, okay? Did Speaker 3 (6:41) you Speaker 2 (6:41) file an Speaker 3 (6:41) extension? Speaker 2 (6:42) No. Okay. Why? Because I was like, I'm going to file an extension. And then I didn't. Because I was busy. I don't know. Busy Speaker 3 (6:50) doing what? Clearly not shaving your head when you need to. Damn. Speaker 2 (6:55) That's probably fair. Yeah. Well, Speaker 3 (6:57) it is. Speaker 2 (6:58) Look behind you. Speaker 3 (6:59) That Speaker 2 (7:00) is a man who has committed. And now he looks better. See, so I've told her that. Look, it's going away. It's going to happen. Might as well just own Speaker 3 (7:07) it. I don't care. Speaker 1 (7:08) Why are you not Speaker 3 (7:08) filing your taxes? Speaker 1 (7:10) He handles the taxes. I thought you Speaker 3 (7:11) were the one who handled the personal finances. I Speaker 1 (7:13) handle the personal finances. That is Speaker 3 (7:15) personal finances. You're a self-employed person. No, he has handled the taxes. That is the personal finances. Speaker 1 (7:19) Yes. No. Well, yes. Speaker 3 (7:21) Yes. Speaker 1 (7:22) But I handle the day-to-day stuff. He handles the bigger stuff, like the taxes. I do not do the taxes. Speaker 2 (7:31) Look, the short answer of why we didn't file the taxes is because... We didn't have the money to pay whatever amount they would want. Why didn't Speaker 3 (7:38) you set aside money for taxes? You should be doing estimated quarterlies. It's typically based on last year's taxes. I'm Speaker 2 (7:43) vaguely aware. And you're Speaker 3 (7:45) doing Speaker 2 (7:45) better this year than last year, so the quarterly shouldn't even be hard to hit. Yeah, I'm vaguely aware of the rules. I don't know exactly how to do that. It's all pretty Speaker 3 (7:52) basic. I mean, this is on the website, on the IRS website. When you do file, there's only, or when you click pay taxes, personal, there's like four categories. It's very easy. I use TurboTax. And it literally takes Speaker 2 (8:03) five minutes. No. I hit the TurboTax, bro. That's even more complicated. That's what I'm saying. Speaker 3 (8:08) Maybe they're not doing a return. It might be better for a return, obviously, but, well, clearly you need a CPA, but more than that, doing estimated payment is so easy. Speaker 2 (8:17) Yeah, I mean, really, if I was to be like... Speaker 3 (8:20) Why would you not manage that if you manage the household finances? That makes no sense to me. Why f*** your household? Speaker 1 (8:26) Um, well, I don't think of it as my household. Well, Speaker 3 (8:29) you Speaker 1 (8:29) stay home all day, Speaker 3 (8:30) so maybe go on a computer. Speaker 1 (8:32) Whoa. All right. Speaker 3 (8:34) What? Speaker 1 (8:35) I understand you do not have children. That's fine. Okay. You know what Speaker 3 (8:39) every dad has ever said that goes from full-time work to stay-at-home dad? Speaker 1 (8:45) Oh, it's the easiest thing ever. Speaker 3 (8:46) Yes. Oh, Speaker 1 (8:47) I know. That's what they all say. That's Speaker 3 (8:49) what they literally all say. When they go from a workplace where they actually have to manage shit and do real shit, and then they come home and take care of kids. I'm not saying kids are the easiest part in the road, but they do find it to be a vacation compared to actual work. Speaker 2 (9:02) Yeah. That sounds about similar to some conversations we've had, but that's not well received. Okay, Speaker 3 (9:07) I'm sorry. It's not literally every minute of every day. Speaker 1 (9:10) What do you mean? My job? Having to micromanage them. Speaker 2 (9:15) You have time. Speaker 1 (9:17) Yeah, to clean the house. I Speaker 3 (9:19) think filing taxes is actually more important than cleaning the house for at least a few days. Once a year. Speaker 1 (9:26) Again, whenever we got together, he has always done the taxes. Speaker 3 (9:31) How's Speaker 1 (9:31) that working? Yeah, that's Speaker 3 (9:33) fair. If Speaker 1 (9:34) you want to Speaker 3 (9:34) manage the personal finances. Speaker 1 (9:36) No, I don't want to manage the personal finances. I want us to talk about the personal finances together. Do Speaker 3 (9:42) we? Speaker 1 (9:43) Not often. Speaker 3 (9:44) Why? What's the dynamic? What's going on? Speaker 1 (9:48) Basically, ever since we got into this, we kind of have just been, unfortunately, hands off with the financial talks because I'm too difficult to talk to. Speaker 2 (9:59) Yeah, basically, fit hits the shan and then we were like, what? Shit hits the fan and we were just like, okay, we're going to focus on the fire right here, right now. Speaker 2 (10:09) So basically, whenever there's money to spend or there's money that I'm bringing in, I'm like, honey, how are we doing on bills? I know what I've got to spend on my business-related expenses. She knows what we have to spend on our personal-related expenses. I'm like, okay, well, then I need to book that many dollars' worth of jobs and however much I have to work to make that amount of money. That's what I'm going to be doing. Speaker 3 (10:30) Okay, well, you manage personal finances, and you guys, I guess, don't really talk about it very much. Tell me how much debt you have then. Speaker 1 (10:39) Aww. Speaker 2 (10:42) Like the general ballpark? Dude, how Speaker 3 (10:46) much Speaker 2 (10:46) debt do you have? What? First of all, I was asking her. Go ahead. Speaker 1 (10:52) Personally, I don't know a number. Speaker 3 (10:55) How can you say you manage the personal finances of the house? Speaker 1 (10:59) Because in the day-to-day, I just pay the bills with the money that comes in. That is how I just manage it right now. Speaker 3 (11:05) That doesn't make any sense. Shouldn't you know your number? How can you manage it without knowing the number and where things are going? Speaker 1 (11:11) Make that Speaker 3 (11:12) make sense to me. Speaker 1 (11:13) So when it comes to the debts, both of us have just decided we don't pay those right now. We are paying just what keeps the four walls open or up. Basically pay the utilities. Speaker 3 (11:26) You guys make too much just to be four wall focused. So you'd like to think that, but the Speaker 2 (11:31) - Speaker 3 (11:31) Well, I would like to think that based on the number you told me you make. Unless there's a different number of which I can then- change my opinion, but Speaker 2 (11:38) I'm going based on the information you gave me. Okay. Well, let me kind of paint the picture for you here. So we've got a couple of what were intended to be flips that are kind of not going the way that we planned. Our personal finances come in in the ballpark of like five a month, $5,000 of outgo. And then we've got another basically five for one of the three houses that we've got to spend to just keep the mortgage paid. And then I've got, you know, I've got a guy that I've got to pay to help me with the contracting business. And we've got, you know, MLS dues and, you know. What the Speaker 3 (12:20) f*** is this answer? Speaker 2 (12:21) What's the question? What are you telling me? Speaker 3 (12:23) You're like, Speaker 2 (12:24) why can't I pay my bills? It's because the outgo is an immense, is a large amount of money. So here recently, we've been making enough to scratch by, but there was a pretty good period there where we were not, we were like. two months behind on the mortgage, two months behind on the electric, because we were just focused on getting these houses finished and getting these projects done. And that wasn't necessarily income generating activity. So I've kind of put the income generating activity on the forefront now. And now that I've put the pedal to the metal, we're actually making the Speaker 3 (12:58) money. Speaker 2 (12:58) It's Speaker 3 (12:58) not about Speaker 2 (12:58) you, you f***ing r***. Speaker 3 (12:59) I don't understand why you are the one answering the question. of she's the one managing the finances. Why is she four-wall focused with this much money coming in? Speaker 1 (13:09) That's what, okay, so he gives me the money for what we- And you said none aside Speaker 3 (13:14) for taxes even though you manage the finances. Sure, he might file, but isn't managing setting aside money for taxes? Speaker 1 (13:24) I mean, we didn't ever discuss that exactly. So when it comes to that, I actually, I guess I just assumed that that would be part of the business side. Speaker 3 (13:35) I'm just, okay, let me just cut you off. What is, I want to understand more so the dynamic. Speaker 1 (13:42) The dynamic is confusing. Speaker 3 (13:45) Well, unconfuse it to me. I need to understand how this household operates. How you guys actually communicate more. He Speaker 1 (13:53) tells me what goes on in the business. Speaker 3 (13:55) Okay, so you're understanding what's going on in the business? Right, yes. Speaker 1 (13:59) Okay, Speaker 3 (13:59) I don't even know why you would need to know that specifically. I'm just talking about your household finances. But go on, continue. Speaker 1 (14:06) Again, he just gives me the money. We put the money. And I'm asking how you communicate. Please Speaker 3 (14:12) answer Speaker 2 (14:12) the question. How do we communicate? I guess we don't. Yeah, I mean, we kind of haven't been doing a whole lot of finance talks here recently. No. Recently? Since when then? Speaker 1 (14:22) Well, I'd say. Since you got into real estate probably. Yeah, since I got Speaker 2 (14:25) into real estate, things have just been so. Which was six months. Speaker 1 (14:29) Well, Speaker 2 (14:29) I've been, I was doing, like I was working for a Speaker 3 (14:32) whole thing. Speaker 2 (14:32) So if things Speaker 3 (14:32) have gotten harder, why does that mean we communicate less? Speaker 1 (14:36) Good question. Well, the. Okay, Speaker 3 (14:38) let's try to have an answer. Because Speaker 2 (14:39) you're on a podcast. Well, fair enough. I mean, the reason why is because basically, I'm like, she wants to know where are we going? What's the plan? How are we getting out of this? I'm saying, honey, I don't. I don't know right now. Right now, we're focused on getting these projects done because they are... That's you in the business, dude. I don't give a f*** about that. Speaker 3 (14:57) I'm asking your personal finances. Why do you keep answering a question that wasn't asked? How does things getting more complicated mean you guys do not talk about the money in the house? Oh, we have projects going on. F*** your projects. I don't give a f***. Why aren't you guys talking about the money in the house? That's a project. Speaker 1 (15:18) It sure is. It sure is. So let's Speaker 3 (15:20) try to answer that question. Speaker 2 (15:24) Well, I think the short answer to that question is I've basically been putting business-related stuff Speaker 3 (15:30) in. Speaker 2 (15:30) Cool, good for you. But why isn't she then? Speaker 1 (15:33) When I bring it up. It's nagging. Speaker 3 (15:37) There we go. Something. An actual answer. You guys are like, it's... I Speaker 1 (15:45) could use a different word, but I'm not going to. Speaker 3 (15:48) Well, what's the other word? Bitching. Okay, yeah. Real controversial word. No one uses that. Speaker 1 (15:54) Well, hmm. Speaker 3 (15:56) No, no, no. I get it. It's just like, what? You can't say it? Speaker 2 (15:59) It's a trigger word. She hates when I say that, which to be fair, I don't hate Speaker 3 (16:03) that too. Speaker 2 (16:03) I get Speaker 1 (16:03) it. Speaker 2 (16:03) You shouldn't say it. I'm Speaker 3 (16:04) just surprised that she couldn't say it. Speaker 1 (16:07) I'll trigger myself. Speaker 3 (16:09) Okay, so what happens? He says you're bitching. What is that? What's going on? Speaker 1 (16:13) If I bring something up, it's too difficult for him to talk about because I'm too difficult to talk to about it. Speaker 3 (16:21) Bald. Damn. Speaker 1 (16:23) What's the issue? Why is he Speaker 3 (16:24) being such a pathetic little... You can't handle a dynamic in a marriage? Can't handle being a husband? Shit's hard, bro. No. Are you married? I am with a long-term lady. Speaker 2 (16:38) We Speaker 3 (16:39) don't have babies, but I run a business that is much more stressful and complicated than yours. Fair enough. You also Speaker 2 (16:45) have a lot more help, but to be fair, it is a business as well. But trust me, managing people is much more stressful than doing it myself. Cutting tile and running a jackhammer. Speaker 3 (16:55) Yeah, that's physical labor. Have you ever managed people? They're drama. Oh Speaker 2 (17:00) my goodness. It's 10 times harder. Yeah, I've done a little bit of that. Yeah, it is. I hate everyone. I love them, but I hate it. Yeah. But I love it. But I hate it. That's life. So? Speaker 3 (17:13) Why am I poor with a wife? It's hard. Speaker 2 (17:15) So you can't talk to your wife? Doesn't that make it harder? You know, in some ways it does. In some ways it doesn't. I would say it does. Where's the doesn't? Speaker 1 (17:25) It doesn't have to deal with it. Speaker 3 (17:27) Well, is that true? Doesn't it just build? Speaker 1 (17:29) It does. Yeah. It does. It kind of has Speaker 2 (17:32) seemed to be that way. But, I mean, look, here's my thoughts. I was like, honey, you tell me what I need to make, and I'm going to go do that. But I also know that I've got to make X amount for my other business-related stuff. And so I need to work as much as that requires, which, you know, I don't have a blue collar, you know. I don't have a degree or whatever. Look, so if I'm going to make all this money and pay all these bills, I'm going to have to work an exorbitant amount of time to do that. No Speaker 3 (18:01) one's saying you don't. Speaker 2 (18:02) You're Speaker 3 (18:02) answering a different question. You can still talk to her. You see how this guy just like. Tell me about Speaker 2 (18:09) it. Well, I do get that. I do get Speaker 3 (18:12) that Speaker 1 (18:12) comment fairly regularly. Speaker 2 (18:13) All I'm saying is that whenever I'm busting my ass all day and I come home, I'm like, hey, can we not? Yeah, that's fair. But you got to deal with Speaker 3 (18:19) it Speaker 2 (18:20) at some point. That's fair. Speaker 3 (18:21) You have kids. It's not a joke anymore. We're not just having fun. Speaker 3 (18:27) It's not just about you. Yes, you have to take care of the business, but you chose to do that. You could also be doing a nine to five. So am I having sympathy for someone who chose to be entrepreneur? No, you made that choice. Speaker 2 (18:38) Well, that's fair. It just feels like we, look, we had the best laid plans, mice and men and whatever. We had a good idea going into it and then it's turned into an absolute. You chose Speaker 3 (18:48) to do this. You could go get a job, dude. You can work for another contract to be the employee. That's annoying. Speaker 2 (18:53) One of these days, that would be nice. But if I tried to just change trajectory. You can do that Speaker 3 (18:57) now. Speaker 2 (18:58) Listen. Speaker 3 (18:59) You're nagging. What is it like, though? Because maybe it is bad. Maybe it is bad because dude's tired. He's coming home. Fair enough. I don't have a sympathy for his job. But if you're like, eh, Speaker 1 (19:09) bitch, then Speaker 3 (19:11) yeah, I mean, that's going to be annoying. Speaker 1 (19:13) Yeah, that is annoying. Um, no, so I don't do that. Does Speaker 3 (19:16) she do that? She Speaker 2 (19:17) kind of does that. Speaker 1 (19:18) Oh. All right. Okay. I don't do that. I do try to bring things up in a manner that will not trigger him, but no matter what. Trigger him? Yeah, okay, yes. What does Speaker 3 (19:31) trigger him? What does trigger, what does he beat the wife and kids? Speaker 1 (19:35) No, just the wall. Speaker 3 (19:37) Really? Are you wall punching? Not often. Buddy, that's fucked up. I did as a teenager, but who the fuck is punching walls at 31? That's fair. I agree. Yes, that's fair. I'm glad you say everything is fair, but yet you are the one who does it. Speaker 2 (19:52) How Speaker 3 (19:52) often does he punch in the Speaker 2 (19:53) wall? Speaker 1 (19:53) At least once every six months, I'd say. Speaker 2 (19:56) That's crazy. Speaker 3 (19:57) That's crazy. What led him to do it last time? What was the conversation? That's a good question. Oh, I'm glad it's a good question. Speaker 1 (20:06) I bet it was about... Speaker 1 (20:10) I bet it was about, it wasn't about finances. I can tell you that. Speaker 2 (20:15) It's probably because I'm working too much and our relationship is stressed because I'm working too much. You said you had no issue. You said you had no issue. Why are you fighting about working so much? Speaker 3 (20:25) Okay, then I am going to be on bro's side. If he's like working a lot and then his wife is like, why are you working so much? But he has to work that much to pay the bills. Because Speaker 2 (20:33) taking care of the kids is hard and I'm not helping her enough. Okay, that's all you do. Stop being a... Speaker 3 (20:37) Crybaby. Speaker 1 (20:38) I have asked for help. I have asked to Speaker 3 (20:42) feel like. Speaker 1 (20:43) But Speaker 3 (20:43) we're always trying to pay the bills. Speaker 1 (20:44) I understand. But if I do bring up, hey, I would like some support as a teammate. I would like to feel like we're on the same team. That's usually how I bring up conversations. He Speaker 3 (20:54) is playing his position by making sure the roof is over your head. Speaker 1 (20:58) I understand. Not if you Speaker 3 (20:59) punch the wall that many times. Speaker 1 (21:01) Well, okay. I've said that I don't really feel like, yeah, that we communicate that well about everything. Well, Speaker 3 (21:08) why? Speaker 1 (21:08) Why Speaker 3 (21:08) else doesn't he feel like a partner? Speaker 1 (21:11) I've asked him to be able to just talk to me about what the plan is here and there, just to feel safe that we're going in the right direction. In Speaker 3 (21:21) what way? Speaker 1 (21:22) I mean, I mainly bring up, like, relationally. What's Speaker 3 (21:26) going on? It's like pulling teeth with you, I swear, dude. Speaker 1 (21:29) Oh, man. Speaker 3 (21:30) I'll answer a question for you because you guys can answer questions. He punched a hole in the wall after you threw a coffee out the window. Speaker 2 (21:36) I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some Speaker 3 (21:42) medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out, just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study. you. They've helped hundreds of thousands of people get out of debt. And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A-plus rated by the Better Business Bureau, boasts thousands of five-star reviews on Google, and holds a five-star rating on Trustpilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and and find the best option for you right now at pdsdebt.com slash hammer. That is pdsdebt.com slash hammer. pdsdebt.com Speaker 2 (22:52) slash hammer. You Speaker 3 (22:53) suck with money, so you Speaker 2 (22:54) download a budgeting app. You start with the classic one, Speaker 3 (22:57) YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna 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 Dollar Wise, built by these people just like you, for people just like you. No private equity, no gimmicks, just