The Most Ghetto Couple In Financial Audit History

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Financial Audit 1h 30m 2 speakers 6 chapters transcribed 2 hours ago
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What is the episode’s premise and who are the guests introduced at the start?

Caleb Hammer 0:00
To watch episodes of Financial Audit a week earlier, check us out on
Mercedes 0:02
YouTube.
Caleb Hammer 0:27
This is literal, actual domestic that you're in.
Jay 0:30
He said he
Mercedes 0:31
regrets meeting me.
Jay 0:32
I do. I mean, after all this shit, her cheating on me first, her stabbing me. This is not something to joke around
Caleb Hammer 0:39
with. This is not funny. She's laughing about
Unknown 0:41
it. She doesn't care. No,
Caleb Hammer 0:42
shut up. you need to leave dollar wise is about to launch its biggest update ever my team and i have been working day and night and in the next few weeks dollar wise web goes live for the first time dollar wise is coming to your desktop giving you a bigger easier way to see exactly where your money goes Plus, we're launching the Dollar Wise referral games with real money and huge prizes. You do not want to miss this. Download Dollar Wise using the link below and create your account now because when the Dollar Wise update drops, the games begin. 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.
Caleb Hammer 1:34
Go to calebhammer.com slash apply or click that link in the description below.
Mercedes 1:37
Hi, I'm Mercedes. I'm 19 years old.
Jay 1:40
Hello, my name is Jay. I'm 20 years old and we are from Lexington, Kentucky.
Mercedes 1:44
And this is Financial Audit.
Caleb Hammer 1:47
Thanks for coming down to Austin, guys. I really thought Jay would be younger. Bro looks like... You look 20, maybe younger. You look... How old is she? 32 or something. You're kidding. I'm unfortunately not. Mercedes, what do you do for a living in Lexington at 19? I wouldn't expect very much, I'll be honest.
Mercedes 2:09
Well, I'm a stay-at-home mother.
Caleb Hammer 2:11
You guys have kids already? I mean... Yeah, one. I mean, before, I guess back in the day, that would have been more normal. It's a little less common for sure today. Fuck, how old's the kid? Nine months. Okay, this is new. This is fresh. Are you guys married?
Unknown 2:26
We are.
Caleb Hammer 2:27
Jeez,
Unknown 2:28
how long have you guys been
Caleb Hammer 2:28
married? Unfortunately, great.
Unknown 2:31
Yeah, that's what
Caleb Hammer 2:31
I want to hear. Parents of nine months old. That's wonderful.
Jay 2:34
That's fantastic. Well, we've
Caleb Hammer 2:34
definitely got some problems. Yeah, I mean... That's why you're here. What is, how long have you guys been married? Not even a year. Yeah, not
Jay 2:45
even a year. It
Caleb Hammer 2:45
immediately got into the kid? Was that the intent? The kid
Mercedes 2:48
was before the marriage.
Caleb Hammer 2:49
Yeah. Nine months old, that doesn't make any sense. Oh, it was born nine months
Jay 2:52
ago. Okay, so
Caleb Hammer 2:53
you got knocked up, which means you had to get married. Is that what you thought?
Jay 2:56
I mean, her family definitely pressured me into it. Pressured you? Her family? Yes, yes, her family's religious. Okay, but you already got the baby in. Yeah, so they didn't want to... It's not like the marriage changes that. Well, I guess she kind of thought that the marriage would fix our relationship. How
Caleb Hammer 3:13
would that fix... How would a piece of paper being signed fix a relationship?
Mercedes 3:19
Young, dumb, broke.
Caleb Hammer 3:20
You're 19, you're broke. You're on financial audit. Exactly. And trust me, you're dumb, I assume.
Mercedes 3:25
Yes, very.
Caleb Hammer 3:26
I mean, okay.
Mercedes 3:27
I don't know. I thought it would fix something. I thought it would keep him loyal. Clearly not.
Jay 3:31
It didn't fix the baby weight. What do you do for a living? I'm an electrician apprentice. Okay, apprentice. Apprentice, yes, apprentice. What are you making? 18 an hour. Okay,
Caleb Hammer 3:42
fine. In Lexington, you know, it's probably on that lower cost of living. I
Jay 3:46
will accept this. Not fine. I wouldn't call it fine. We definitely struggle.
Caleb Hammer 3:50
Well, yeah, but I mean, buddy, at 20, I'm glad you're making 18, not 12.
Jay 3:55
Right.
Caleb Hammer 3:55
So how many hours a week are you getting? 40. Okay. So what's coming in per paycheck? What is that per paycheck cycle?
Jay 4:04
Every week, I'm getting anywhere between 550 and 600.
Caleb Hammer 4:09
We'll do, yeah, we'll do 575 then. That's weekly? Weekly. Okay, times 52 divided by 12. When does electrician or parents become electrician?
Jay 4:18
I'm planning to start school here soon. I just filled out my FAFSA.
Caleb Hammer 4:22
Why school? Wait, what school?

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