Caleb Hammer

So whatever is to what doesn't necessarily matter.

We know we have all these collections and at this point you're just going to have to negotiate them down or get on payment plans.

That's what it's going to be, but we need to budgie you.

Try to budget this household.

This doesn't work if you guys, you don't have to fully combine every account, but I think everything should go into a joint checking and then disperse from there so we can at least decide where money's going.

We use dollar wise to understand where everything's going.

Right.

You use your certifications, you get your education with master money.

You do, you take advantage of all the tools like every guest has and you change your life like they have, but it doesn't work if you guys don't communicate.

You need to go to a couple's therapy and she shouldn't be the one that has to book it.

Like stop, stop being a little boy.

You're being a little boy.

And then I'm sorry for the gender term, but you're acting like a child.

There we go.

Okay, so $5,000 comes in.

No debt minimums because they're all in collection.

Well, student loans.

Is there a minimum on that $4,448?

They're active, so I'm not quite sure.

But you should call them before it defaults and then they garnish your wages.