Financial Audit - Clueless Wife Suffers Financial Infidelity

Episode Date: April 17, 2024

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Yeah, it's not good. No. I can even know about this. We've literally confessed to not talking to me about finances, not sitting down and talking with me and showing me any of these, not communicating very well, feeling overwhelmed, but I love that every single time I ask you about it, you go, no, no, I did not know. Hi, my name is Will and I'm 35.

Hi, I'm Hannah and I'm 35, and we're from Gerald, Texas. And this is Financial Audit. Perfect. Well, thanks for coming down, guys. or wherever from Jared. I don't know what that is. But coming out as appropriate. So I know we kind of have an interesting

couple's situation here. How long have you guys been married, by the way? About seven years. Coming up to seven years. Your financial situation is weird. Yes. Maybe. Things are separate.

Maybe. I mean, is it that weird? I don't know. I don't think it's that weird. It's a little weird. What do you mean? How is it not weird? Okay, well, they have no context.

So let's give them more context. and then they can decide. Okay. How would you explain your situation? Because I'm told you have quite interesting takes. Well, I mean, my wife and I, we've been married, but we've never really combined finances. So we just kind of each pay different things and we kind of keep everything. Well, why?

Well, I think that to be honest, she has a bit of a spending issue sometimes. Like, I don't really trust her to have like a joint bank account with me. You don't trust her. Your wife. You don't trust your wife. Well, I mean, I trust her. What that came down to. Yeah.

Okay. Maybe that came out wrong. But, I mean, I have, I think, insecurities about. Based on what? Based on, I mean, I think that we have a different idea sometimes of wants versus needs, I think. I agree with that. I think that we do have different wants and different needs. How do you have different needs?

What are the different needs? Wants, fair enough. And we can divvy those out. Yes. And people can, you know, we put our wants where our wants are. But needs, how are our needs different? Where's the difference? I think a lot of it comes down to, I think, aesthetic choices aren't necessarily needs sometimes.

They're more wants, like furniture or something. Like, I have trouble. Do you think furniture is a need to survive? To exist and survive? I do believe. that things for a home are needed. Now, we might disagree on what type of furniture is needed for the home. But I think that home environment is important.

Important is different than need. I know. Need is survival. I think that to mentally be okay, a home life needs to feel homely and not barren. I think in order to mentally be okay, we should be able to make sure we're able to retire at some point and not have debt that's killing us in every way whatsoever. I do agree with that. But I also agree in the beginning. So furniture is more important to that.

The feeling of being in a home is more important than the debt weighing on us. Well, I think that feeling of needing and wanting is different because I think it's important. I don't need furniture for the house. I know what he's talking about. I know that we don't need the furniture for the home. But I think it also comes down to the fact that, one, can we loop it right back to us having separate? Because I understand in the beginning you were saying that that was kind of odd, that we have it separate because you believe that I'm going to be a chronic spender. That's the odd part.

If we, yeah, combined. So if we could loop on to that really quickly, not to try and divert away from the fact that I believe that a house feels homely. and it feels good. And that is an important need for, we have two children. So it's important. Three and two years old. Okay.

So we're not sleeping. Yeah. Yeah. It's one of those things. I'm sorry of your existence right now. It's okay. If I seem lethargic, that's why. We love them with all of our heart.

But. Sorry to hear that. But I think that we can stem off of that a little bit because I feel that I, I feel that I too don't cannot trust if we combined. Why can't you trust?

Well, one, I was previously married. And in that marriage, we did have joined. And he habitually spent the money

without having a job. And I had three jobs while going to college. So I was married for four years. was divorced for years before and I reacquainted and got married. But because of that,

I do believe that that is why I, we've always been separate. I'm excited to see you, though, because I would like to make a joint and figure out how we can do that. Do you want to make a joint? I want to make it joint, but I want to make sure we're on the same page

in terms of getting through our debt. Like, I think I take our debt. Like, it weighs on me a lot. And I don't think it necessarily weighs on her, but maybe I haven't been explaining it correctly or... Do you understand the situation of your debt, of the household? I get told things after the fact. Then why aren't we sitting down to discuss it? Because that's what I was going to bring up with your past marriage.

Okay, maybe he was spending. Did you sit down and discuss these things and be like, obviously we can't do this? We need to make sure we're aligned on goals. And if we're not aligned on life goals, we're not aligned on financial goals. and we're just, then obviously that's probably not a literal partnership, which doesn't make sense. Right. Because I feel like we're so solid in so many other aspects, but our finances, we truly crumble, almost like we have no idea how to communicate with each other about it.

What have we tried? We try, well, yeah. I mean, we did. We, we've tried budgeting. We've tried setting aside time to sit and talk about finances. and it seems like whenever like I'll be in it. I'll be like ready to talk about finances and it's, you know,

you're stressed out from the day or something and it's not a good time for you. Or inversely, she's really excited. She wants to sit down and talk to me about finances and I'm worried about, you know, doing something for work and I'm like, put it on the calendar. Put it on the calendar.

I've suggested. Okay. Don't make it impromptu. Put it on the calendar. Right. I've suggested. I agree. accept that we have put it on the calendar.

So now what is the extra step that we need to do, babe? I mean, and I think we get into the conversation and we don't know where it's going. I've suggested doing Sunday night. Yeah. Including snacks. Snacks are good. Right. I saw a couple do this on TikTok.

You are a professional snack man. Right. We haven't even talked about your job yet. Right. It makes sense. I said snacks. Excel. Television.

You and me. Let's sit. Yeah. Okay. And it just doesn't happen. I mean, Why does it not happen, though? I mean, I don't even know where to start.

Like, I don't even know. I mean, I feel like I'm overwhelmed by it. Well, maybe this is the start done. So let's, I think let's take a look at the finances. What's interesting off the bat. Yeah. You believe if I'm not mistaken that the spending and a lot of bad finances are her fault. I think that this is why you told us.

Yes. I do. I agree. I think that. But she does make a lot of bad purchases that I disagree with. I don't think I'm without fault. But I think, you know, she has one account. Right.

One. One. You have a thousand. How can we put the blame under her? I mean, a lot of it is purchases that we've made together, I think, that are on my accounts. If we make them together, we've made it together. It's not her then. together is you both.

Together is not her. Right. But I feel like... Then I carry that. I just... I carry the burden of it though. But why would you be carrying the burden? Why?

Do we, when we fully separate, when we're doing together and a purchase on a deck because we certainly like to do that here, how then do we tackle it if we're doing the purchase together? How is that dealt with? Is it a IOU that is stacked up

over the course of months? And okay, that's obvious... First of all, I mean, this is unhealthy. That's roommate. Right. You know, roommates that bang a little. Like, that's not what we're trying to do here. Right. Or what you guys in general? What's your retirement at right now? 4,200. I think I sent it to you. What's your retirement out? I don't know. 1,200. Okay. So what are we trying to do? Are we going to retire? Do we have the goal of retirement? What are our goals? Our goals aligned? Because if we're not united, at least the plan, if we have to keep finances for certain things,

I'm not necessarily opposed to that. Nothing is a one-size-fits-all. But you guys are separated in every way financially. Financially speaking, we're not talking about any other aspect of marriage. But financially speaking, we are, we don't have goal set. Mid-30s. Shambles. Yeah.

Mid-30s, with that being our retirement, is literally dying under a bridge, hoping Social Security is a thing or even worse. Right. And here's the part that really sucks about parents in your situation. The more you decide to spend money on furniture versus paying off debt versus saving up for retirement is the more that your kids will feel morally responsible to take care of you when you did not sacrifice to save for retirement. I agree. Because they are not going to allow their parents that they love to live somewhere without a roof over their head. They're not going to do that.

They're not going to allow you to not have food. So the more you put off for your own wants for your lack of sacrifice is the more you are putting it on that future generation. And that is not fair. That means they are delaying their retirement. That means they are delaying paying for school. That means they are delaying building their kids college fund, taking care of their kids. It is a generational push, which is selfish. And if we're not aligned on the same page of our goals and what it takes to hit those goals, we are not going to get anywhere.

But I don't disagree with you. But I think that there is. I don't know how you would. Well, okay. I think that there's a certain amount of, like my kids right now, you know, they're two and three, but they need to have, they need to have a happy childhood to an extent. I would say that. I agree. I mean, I do what's a happy childhood?

What's a happy childhood? If you're associating happy childhood with the price tag, that's a little different. What's a happy childhood to you? Okay. Here's something that you'd probably think is a want, but I kind of think of as a need is like a television, right? Like, we, we bought a television because our television broke. How much was it? $800.

See? You could have gotten a $200 television. It would have been a piece of shit, but it worked for the want. It worked for the want or the need in your case. It works. You went and you got something more than you needed and more than you could afford in your current situation.

Right. So I would have gone with you there for a second, but you could have gotten a cheap 1080P thing. Yeah. I mean, it's hard to get like a... Don't tell me 4Ks in need. What? Don't tell me 4K is a need.

Tell me, 4K is a need. Yeah, don't tell me 4K is a need. 4K is definitely a want. I mean, yeah, it's a, what is it, an OLED TV. So yeah, it's definitely a bit of a want. Come on. Well, I'm going to, listen, I understand $800 for a television.

That's a want, not a need. I agree with that. My thing is, is what I was going to say about having two kids and about this generational push. I understand what you're saying. I understand the topic exactly. The situation is though is that we also

are not inheriting anything and are starting from zero. Welcome to the United States of America. Completely. Completely owning it. But at the same time, we're at that zero, just like the rest of the United States. We have these two kids.

And so what I'm saying is our wants and our needs for my kids is I spend 75, a month because my daughter wants gymnastics. I'm not going to. And a need for that for me is I need. That's a want to do gymnastics. I could be doing cartwheels in the backyard. You're having a great childhood.

But that's a need in a sense. Well, we put things in what we call the TP fund at the end. The TP fund is for anything else that fits in that anything else you need. I'm like saying to learn about this TV because I'm not sure. I feel like I'm more docile in the relationship when it comes to the finances. So that's where we typically put things like that because I'm not against the extracurricular things. But a TV compared to gymnastics, it's not even comparable. Right.

And also starting at zero, you started at zero in your mid-20s. Right. You're now mid-30s. Correct. Correct. You've allowed yourself to stay as zero. Y'all, this is the time to switch to my favorite high-yield savings account. With SOFI, you can get 4.6% on your money.

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Okay. Last February. Welcome to higher property taxes. Thank you. Well, we rent, so. We do rent right now. That's passed on. Yeah.

So we do rent right now. We were renting before in Long Beach, and we just wanted to have a better life. We just wanted to be able to come out to more affordable than what we can get in Long Beach. But we spend all every dime. How much? $12,000. The, why? How?

Possibly. I mean it was the moving van it was the unfortunately my husband was also in charge of the move not to say that it's on him I'm saying I think he did a good I think he does a good job I but I just don't feel like I'm included in the conversation yeah why is she not included in the conversation that's healthy because I have the conversation after the fact and we don't you don't come to me no I try talking about the move I tried talking about the move and it's like when I talked to when I was talking about the move I said hey we cannot bring literally everything we have to I have Rajs, we, we, when I said, hey, what stuff is like first priority, second priority, it was like,

it's all first priority. And I was like, it's not, like, it can't be. I can't afford to move literally everything. We have to choose. We had to make choices. You did fight on that. Yeah. And it was like, and it's still, because it was, every time I turned around with the move, it was like, oh, this is another $1,000. This is another $200. This is another. It was, I don't know, like, things. Things are very important to you. Things are comfortable. When we start, great.

That's the truth. Well, things are comfortable. So is being able to retire. So is being able to retire. Okay. I agree. What do you do for work?

I'm a food broker full time and then I do have a couple like, explains the meat. Look, I got meat. That's salami, Nistrano. I like some salami.

It's going to be delicious. It's not coming off. There you go. Look at that. Got some salami. Turning this into a muckback. Dang. How much is it hourly salary? I get a salary. So I'm $68,250 a year.

Woo! Pretty good. Plus I get a $500 a month stipend for car slash phone. Plus I get bonuses based on performance. So it's about a $5,000 a year. Wow. You always have performance? I have only been doing it. This is my second year. So I've gotten two bonuses in the past. One of the bonuses was a $5,000 bonus for the moving costs or towards the moving costs.

Yeah. So $73,800 a year typically, ish? Yeah, for that job, yeah. For that job. Is there another job? Also, I do woodworking on the side. So like these cutting boards, I made those. Right now everyone's ordering planters.

So I've been making a lot of planters. So that's probably another. five to six hundred bucks a month. Net? Yeah. Gross. Net. Yeah.

So that's after. A lot of expenses. Yeah. That's me taking out like material costs and, um. Who are you selling this to? Mostly Facebook marketplace. Oh, that's not a bad play.

And what do you do? I'm a teacher. I'm a third grade teacher, math and science. Cool. Yeah. Yeah. Worse a nightmare. Differentiated.

Yeah. I don't get it. Math and science and young children. Uh-huh. What are you making? I make $41,000 a year. That sounds like Texas. It's across the country.

Yeah. Can I just also say that she gets paid 10 months out of the year and not 12? Yeah, I get paid 10 months out of the year, not the 12. Which is hard because that's coming up. Yeah. Well, you have the choice to divvy it up over the course of 12, though, right? I do. It just wouldn't.

It wouldn't be able to cost. It wouldn't. What do you mean? You guys make $104,800 a year. Even in the United States, you make. Quick math. You're a math teacher. You support me in the venture.

I support you on this endeavor, yes. 40,000 hours above the median household income. 40,000 hours above the median household income in the United States of America. Right. Yeah. What was our grand total? Hold on. What was our grand total?

14,800. The grand median is 174,000 right now. Uh, 174,000. No, 70. 75 is the median household income in the United States. Okay. Listen, I like the endeavor. I went on the path with you.

I'm just double checking. I don't know what it is in Austin or I don't know. But okay, so things that come out of my check. $74,580. There you go. Google it. Yes.

I mean, theoretically, yes, we should be in a much better position. Hold on. Hold on. Hold on. Because the things that come out of my check. Austin's median in 2022 was $110,000. So technically still above that.

Yes. Still doing above the median. I agree. So I have child care taken out of my check, though, and I have all our benefits taken out of my check as well. Yeah, health benefits. So I only bring home $1,700 a month. Sure.

No, I get it. I get it. So with all of that, yeah, things are already. Let's start with your finances. Okay. First, I'm going to go three, two, one, go, and on go, three, two, one, go, and then, blah, blah, blah. You're going to give me your financial score for the household. I don't want you to deliberate.

I want you to say what you. You think zero out of 10 your scores for your overall finances for the house hold, 10 being the absolute best, zero being the absolute worst. What we think are household. Three, two, one, eight. Okay. So we are on completely different planets. Do you want your hammer financial score free in the description below, but we are on complete eight. Eight.

You think you're like on the, like, seriously, among the best of the best of the best of the best of the best of the best. financially. I mean, from what I've heard, we're fine. From this, is this? I don't feel like I've said we're fine. What are you said? What does it come? Well, you tell me what you've been told them.

So I will ask, how are we doing? Preshoot. Because I will see that he starts getting a bit anxious because I will say something like, you know, a table on the back of the couch would be really awesome. we can put the girls photos on there it would be really pretty and he goes we can't afford that at all

and I go why not we just got paid what's the problem he goes oh we had to pay blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah and I say interesting I wasn't in any of those conversations whatsoever so technically we have

$30 for the month and he goes yeah that's about right so then doesn't sound like you think you're he's told you your finances are okay So I'm telling you in general where I'm at in the state of our home is usually at an eight. And I agree that you probably think I'm overly spending and chronically spending because I am not being told all the things that are happening in the house when they're happening. So I'm going out and spending money.

Sounds like you live in complete ignorance of your household. I feel. Okay. That's a new way to look at it. I feel like I'm not ignorant to it. I feel like I'm just not, we're not having those discussions that you talked about earlier. you're not having the discussions you're ignorant. You just don't know.

Yeah. I feel like I am not, I'm not necessarily pushing back from it. I'm not fighting on it. I'm not necessarily ignorant to that aspect. I'm not pushing back on it. Maybe I'm ignorant in the sense that I should be more obviously in life. Yeah.

Yeah. For your spending in this account. Who's is this? Sorry. Hers? Sorry, Hannah's. Yeah. Yeah.

Speaking of furniture and the love of it, IKEA. IKEA, IKEA, Starbucks, lucky smokers. Yeah. Taco Bell, Bookshire Bros, happy pizza,

Apple Bill, Nook Antiques. I think he can make some. Starbucks, Lucky Smokers. Brookshire Brothers is the grocery store, yeah, Brookshire Brothers is the grocery store.

Yeah, that's a normal grocery store. What are you getting in there for $27? One thing, bananas. Yeah. Okay. Apples? That's like...

Bananas and apples probably. It's a little skeptical when things cheap. Sometimes people go get their snacks, get their drinks. Usually if it's Bookshy Brothers like that, it's like after our daughter's gymnastics, it's in the same parking lot, and it's like, oh, we just need something for dinner real quick. So I get something. Speaking of dinner, McDonald's. I know.

Apple Bill, Phil Malley, Phil Malley. See tickets, Hollywood. $118. C tickets Hollywood? See tickets Hollywood. Oh, C-world. Oh. Yeah, let's do that when our credit cards are fucking.

And we have Z. like nothing in retirement. How does that make sense? Well, okay, so SeaWorld, three-year-old's only barely starting to be able to, she'll barely even be able to remember the things that are having.

She's almost for. That was an anxiety purchase last year. Anxious to purchase Sea World tickets. So when we first got here last year, a friend of mine had tickets and I truly was desperate to figure out what to do with my kids out here in Texas. We don't have family out here. It's just by ourselves.

So I signed us up because they, get free. Roll in the grass. They don't know. They won't remember. I need to get better at that. But I bought them. So that's what that is.

We got them on $800 TV. Put them in front of that. It was for both of us. Not saying that's good, because I know a lot of people hate me for that. But it's like, SeaWorld,

is that the option? I know. Kids are going to die if we don't get SeaWorld. I don't know. Apparently they'll die if we don't get McDonald's again and Taco Bell.

School Cafe makes sense now. Yes. With your job. Yes. Surprise you don't, You don't get? We don't get free lunch. No, teachers pay for $3.

Nope, $2.70 a day. Yeah. And it's a minimum of $20 that you have to put on your account. I think it's wrong for the kids. The kids also have to pay. It's not a free lunch. But if they're under a certain income level, though, right?

If they're under a certain income level, yes. But primarily, yeah, they still have to pay for it. I think all children should have free lunches, just my opinion. And then I'm excited. I can restaurant, vacation. Wait, Wyndham vacation owner. We don't have a time share, do we? No, no.

I do a lot of traveling for work, and I usually stay at Wyndham hotels. It's on her checking. I paid for it. What is happening? Okay, so I'll explain the Wyndham thing. So I do a lot of traveling. The Windham thing, actually, you might be proud of us on this. I don't know.

We'll see. We'll see. So this, it was what, 150? Yeah. Yeah. So that one, that's all getting refunded to us. Because we're going for the Wingham Resort. Because we're going to go visit her dad in Nashville.

So instead of spending, it would have cost upwards of $467 or something like that for the hotel room. How old's dad? Dad's in his sixth. I wrote a little song to remind you, Choice Hotels, get you more of the experiences you value. The Can Beah Hotels got it all. A rooftop ball. Have a ball. Bring a date, your squad or even your mom.

Book direct at Choiceotels.com. These, they just came out to, visit us, we're planning on going to visit them for Halloween. For Halloween? Halloween. My step-sister. I know. Well, we're thinking traveling is going to be better.

It's not a major holiday. I want people to travel and see family. You guys have just maxed. Sorry. I know. Right. I don't own a credit card. She pointed at you.

I don't own a credit card. Are the reason the credit cards are because of you. But you're saying spending the financial issues are her fault, but she points to you when I talk about credit cards being. because they're all my credit cards. They're all my credit. So how is it possibly her fault then? How do you say that?

If the debt that's holding us back from being able to commit to a fully funded emergency fund and have a retirement is on you, how is it her fault? How do you point the finger? That doesn't make sense. What's on the credit cards? Well, we'll get to that. Balances, we'll get to that when you go through his finances. That doesn't make sense.

How can you say that? How do you even think that? You know, I think I need to look at these closer because I'm. What? You've never looked at your debt? You're supposed to be the financial person of the household. I look at the debt. I do.

So what do you need to look at closer? I think I just want to be on the same page. As my wife. Okay, but you both think it's each other's fault. How do you deflect to the person that doesn't have the debt? I feel like I have a hard time saying no sometimes. I truly think he's nervous because my family, my family, has a history of compulsive buying.

And I think he is pushing on a reflection of that that I'm going to, if we join our finances, I think he thinks that I am going to just run with it. The debt is under you. So how is it her fault if she might be a spender? Well, I'm nervous about getting worse. I'm nervous about getting worse. Yeah, but how is she the bad one still if the debt that exists was from you?

I don't see debt under it. You don't have debt. Well, yeah. I know there's an interesting car situation. It's under your name. I didn't have my ID literally. I didn't have. So we couldn't go home and get our ID?

What the fuck? No, because for the title of the Kia. Oh, yeah. Because it's under your name. Yeah. Her car is under my name. Yes. Yeah.

He, I've been working. I usually, I have a more steady job history. That is a fact. That's why I have all the credit. And I think that... So does he take out credit on your behalf?

No. No. No. So that doesn't work that. She had a credit card. And I didn't know that it wasn't getting paid. And then it went into collections. And then we paid it.

Why was you paying on your credit card? You're the math teacher. I am the math teacher. She wasn't at that time, though. I was not at that time. And truly, truly, I got so overwhelmed. That's why I understand why he gets overwhelmed and doesn't want to tell me. Because I...

That's shutting down. That's just, that's, that's, that's, that's, I think, childish behavior, though, because we have to do there's, you do, regardless of it, if it's hard. Yes. I agree that in the past, yes, doing that is childish, but it was paid off in full, and I have no debt to my name as of now. Wait.

Hmm. Do you see the loan 300? Yes. That's my anti. overdraft. So they give a 300 limit on it. Yeah. So technically it's kind of an overdraft, but it has a $300 credit limit instead of charging you fees.

So it'll just pull from there. So if it says 200 and you had some pull. So I had some. I had to get pulled. So McDonald's is more important than getting charged 10%. Why the fuck are we spending money if we don't have it? No, why? Lazy. I'm not even going to lie.

mom lazy. Mom lazy. I'll put my hands up. Mom lazy. Mom lazy makes your kids pay for your living in the future. I understand. I understand.

I need to change it. I'm not going to push back on that. That I do need to change. But I will also say, can I also just say that sometimes it's like we're so overwhelmed. I like that you're saying things now. No, no.

Listen, we're so overwhelmed by what's happening with the kids and it's like, by the time we get them sometimes, it's five o'clock. We have a bunch of stuff to do. or taking them in gymnastics or something, and there's like literally no time. Like, I know there's time, but there's literally like no time to sit.

It does feel quite overwhelming with the two kids. Yeah. Spoiler, meal prep. I know. In today's fast-paced business world, the ease and flexibility of managing monies can have a huge impact on your operational efficiency and success. That's why I'm introducing Melio, you're all in one solution for seamless B-to-B payments. With Melio, you can pay and get.

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My life as a business owner became easier with Melio. Simplify your bill pay and keep your business on track with Melio, so try it out today. Click the link in the description below and make your first payment with Milio, now. We need to get better at that too. Microwe. Beep, beep, beep, beep. Bo the dinner we cooked it from the other day in meal prep for. It's concluded. It's warming. Put it in the mouth. Do you have kids, Caleb? I don't think goodness. Think everything. I'm just saying it's a very different, you go in with the mentality. Oh, no, no, no, no. I do get that. Of these facts. Parents are

the one people in the world that if you don't have a kid, you can't relate at all, even though, like, I don't have, uh, you know, something terrible. Didn't happen to me. but I can still relate to society. You can relate to things that haven't happened to you in every other context, except when it comes to parents. So like, oh, it's all this.

No. But I'm not saying you're doing that. That's what they're going to do. But I know you went into it with a different mentality. It doesn't mean that we can just give up. It doesn't mean you signed up for the hard work of being a parent. Yes. I agree.

If you're not, this is a part of the work because you overdrafted. If we weren't overdrafted and we didn't have bad debt. throw those fries down their mouth I don't care probably bad for them I don't care though you could do it financially speaking for this show you're overdrafting yeah I know

so mom tired I know it's harder we went into it with the expectation that we could congratulations mid 30s you can have 15 minutes less asleep by meal prepping we can do that on set

you don't need to have a child to be able to relate to that reality our Sunday our Sunday financial meetups. Well, my mail plan too. Yeah. It's a lot. There's a lot.

I know. It's a lot. Welcome to life. I know. This is a part of it. And this is what you signed up for. So now deal with it. I know.

Right? Why do it if we're not going to actually do it? I'm excited to be here to deal with it. No, no, no. Why have the kids if we're not going to like deal with it? No, I understand. We were a different position in our lives when we had the kids. We were.

We were living. Okay, listen. Jump off. So I haven't been a food broker forever. I was a chef for 15 years. Ooh. And I worked my stuff to be a chef and work my way up. And during COVID, I've lost everything.

And it was sort of. Oh, that sucks. I'm sorry. You know. It was hard, hard, hard. And there was a lot of press around it, really bad press around the restaurant. So your restaurant or the restaurant, like you worked out? I was the executive chef.

Oh, so. But the owner. Why are you giving people the poos? No, no. The owner wanted to not close down because we closed down two times in California. So the second time she didn't want to close. And I didn't have any more unemployment benefits. I'd already used them all.

They didn't PPP? The restaurant. The restaurant got PPP, yeah. Which is supposed to pay the employees. But that was already used up. So we stayed open because it was either we stay open and get shut down. Yeah. So it was like very strict.

So it was either we shut down and we never reopened or we try to stay open. And then we had this big fight with the city. They shut off our gas. I was cooking on camp stoves in the kitchen. And it was crazy. So, you know, there was all this press around it. After the restaurant closed, I was basically unable to find another job as a chef. Like, I was impossible to, no one wanted to hire me because no one would be associated with that.

Yeah. So, you know. What about out here? Out here? People seem to be like, All right on, guys. You're doing something right. So it's definitely different.

But I mean, now I'm a food broker. It took me a minute. I do. Like, it's not like, like, I like my job. It's a good job. And I have time with the kids. Like, as a chef, I didn't have as much time with the kids or my family. Like, the weekends were a shot.

So, I mean, there's definitely like, it's a good job. But my passion was more being in the kitchen. How does that change the having kids situation? So anyway, so I didn't we didn't have all this bad debt at that time. It was after I lost my job. Like we are, she was already pregnant with her. April of 2021. Okay.

So three years ago. Yes. The death's pretty enormous to have existed for three years. No, no. How long were you unemployed? Well, I was attempting to do solar sales, which I absolutely hated. Yeah, I didn't know. And then I was trying to be a.

The ick was real on that job. I got my real estate license in California and I was trying to get into real estate. Again, that ended up being, so one of my cards, the Capital One right here, is basically that all got filled up from trying to do real estate for a year. I thought I could do it. I don't even know about these. I don't even know about these debts. Were you supportive of the ventures? I was very supportive just because I said throw anything at the wall at this point and make it stick.

I'm sorry that that happened. We had our daughter in May of 12. So March 16th, the world shut down. Okay. Everybody knows that date. It's almost like our 9-11 of where were you during that time? Well, in California. Yeah, March 16th, it was the day that you were like no contact.

We had our daughter literally two months later. I was eight, I was seven months pregnant when the world shut down. Yeah. We had the hospital. We had hospital bills. Then we had a newborn and the world is shut. So we immediately just, I think, just became like this little family. and we just threw anything at the table for him because I was a stay-at-home mom.

Well, no, I mean, because then, well, I thought. You just told me you're currently in real estate classes. I am. Here, for Texas, because, yeah. Why do you want to still do that? It's driving crazy, actually, Caleb, all of these fun little adventures that he has going on because we're woodworking. He likes to say that he has time for the family, okay? I'm a teacher.

Point blank, end of story. United States and the world, you already know how tired I am. Okay. We know how tired. we are. So we are going on extra adventures, but he's saying it's because our debt is so bad. I don't know what this debt is. No, you're right. The debt is so bad. The things like real estate takes so long to snowball the relationships and everything. I want you to focus, like you focus in on something that might make less money in over the course of 40 years, but makes money now to pay off the debt. And then you're able to take on the more risky ventures like real estate, which is essentially being your own business. You can take that on when you have no. bad debt and a fully funded emergency fund and have something in retirement more than a couple thousand bucks. It says this does not make sense right now. Please don't do it.

Please don't do it. Please don't do it. Please don't do it. Okay. Before I, listen, no. Come on. Hold on. So, wait, I've already enrolled in the real estate classes.

Should I finish the real estate or should I just say, what is it taking? How many hours a week? Maybe like a couple hours a week. Zero hours because he is a full-time and he works full-time and he has a family. It sounds like the woodworking actually works. It works. Good. You should double down on it.

I want to. And I'm nervous. Look. So you do. Okay. I'm nervous. I'm nervous about the woodworking. You have got to stop being nervous, my love.

You have got to stop being nervous. Pick something so we can start making the money that we're supposed to be making. I mean, I think maybe that's why I'm the way I am because I'm the, with our financial situation. I'll eat some of the salami here. But I feel like with our financial situation, I'm nervous that the woodworking is not going to pay off. And then so then it's like I need a backup plan for my backup plan. No, no, plan number one is just get out of debt. Yeah.

We don't, we don't do something. Your real estate can take years, years to really pay the bills the way you want to do it. I agree. Also, by the way, can I let you guys in on another spoiler? Second spoiler of the day. I think if anyone knows how to meal prep, it's someone who worked in a kitchen for multiple years. Oh. It's interesting.

The floor. That was a mic drop moment. meal prep. No, I mean, technically, probably. But it's literally just sandwiches and shit. Like, you can, we're connecting you with our budget and resource. Typically, that's for a single person. But we have, like, actual meal plans in there that you can shop from HGB at the low prices. That's like 300 bucks ahead.

And it's, well, for a single person. But obviously, when we meal prep for a larger group, it actually brings the per cost head even further down. So I think I'm getting better at it since we've moved out here. we had such a small kitchen in California that and it's it's different working in a restaurant and working with I'm sure but you don't know how to do it yeah I know how to cook so it's just it's definitely it took a minute I'm getting much better at that and I'm trying to buy you know Costco meats and and things like that right yeah I'm doing my I mean I think I'm doing my best no I think you're doing great and I just think that we just don't know

the the I pushed back on you a lot because you said a lot of things were her fall and stuff and you have a lot of the debt. But I will say, on the other hand, what came in was 1,845 on your statement is what came in. Yeah. Money that went out was 2,386. So if that much more money is going out, we're not going to McDonald's. We're not going out to eat. We're not getting any fun spending.

If we have to overdraft something that charges us 10% to overdraft, we're simply not doing this as bullshit. We're not. It doesn't make sense. So there is irresponsibility on both parties. Yes. Your debt. Debt. Let's do it.

So the quicks over. This is the real estate card apparently, even though we're going right back into it, even though we've never made it anymore. It's only gone to f***. I've learned a lot. I feel like I've learned a lot in my feelings. Apparently not. You've got to fail forward.

Buddy. Listen. I don't like giving up on something that I, it, It's not giving up. You're delaying temporarily. So to get out of debt. Right now you've given up getting out of debt. That's unacceptable.

You've given up on retirement and that's unacceptable. You have kids. Maturity comes before once. Okay. $5,0.72. 77 cents with $174 minimum monthly payment. That's disgusting. This might be the first time you're ever hearing these numbers.

Let's see. Now he paid a little more than the minimum monthly payment, but even though $122.50 of interest was a little bit. accrued and purchased $188.35 of things. We're purchasing on a card that we can't pay off and has interest accruing. That was one of my least favorite things that has ever done on any kind of card. What were they? There were two Amazon things, $162 or $25.

What were we getting on Amazon? I needed a router. Wait, is that the router? We didn't need it. Who's your internet provider? Okay. Who's your internet provider? We're switching right now.

We're going from optimum to fiber first. Wait, the router cost $162? No, that was $150 for the router. Okay. And it was the wireless receiver for the router so that I could get internet in the office. Most internet companies provide a router. It doesn't reach the office. So you can get an extender?

So we had a cheaper extender. We had a mesh router system and it was a Samsung one and it stopped working. working. So I replaced it. Well, because it was on sale. It was on a cheap one. You're spending it on a card that's a crewing interest. I got, I was looking for the router that had the best range. So that's why I got that one.

Okay. Then we have a Freedom card. Freedom to get. Yeah, that one is the one. We did with a balance of $5,665. 69 cents. Congratulations. We're over $10,000 in credit card debt so far. Did you know this?

Credit card debt. I thought we were at like seven. seven. I told you we're at like 15. I said we're in $30,000. No. I told you this. I did.

30? I told you like we're in like $30,000 in debt. No, you literally, this is what you do. You go, yeah, we have a lot of debt. We have a lot of debt. We do. And I go, okay. I feel like hearing the amount is different than hearing that we have a lot.

We get to use a Caleb Springer title again. Woo! I'm excited. Mm-hmm. I'm excited too. So, okay, so we are over 10,000. So this is new to you, kind of, apparently. Confusion. No, I thought that we were in seven or eight.

I knew. You didn't need a high-speed gaming router. I knew that we were in maybe the 12s. But I didn't know that we were even more than 15 because this is only two. and you have how many? Three. So why not just get used, man? You're professional Facebook marketplace.

Facebook marketplace has incredible used technology. For routers? Anything. Yeah, I mean, I get most things on Facebook marketplace. I put it in the wealthy area, man, like West Lake or something. They're just getting rid of shit. They're just like, please get this out of here. I don't want this in my house.

You know, I want a new fancy thing. Yeah. And I must, I mean, honestly, I got caught up. I mean, I saw it like, you know, they get the other. There's a sale on the thing. They're like, oh, I need that thing. You're like, that's exactly what I needed. Needed. Well, I think I did need it. I need a router that I need internet in the office so I can work. Buddy, there's a lot of ways to do it. The way I did it in college and I can afford anything, I got a long internet cable. So usually the ports at the end of the Ethernet cable is what actually cost the money. So it's not that much more to extend the length of it.

I just got a ginemorous one and I just ran across the house. And then I would have upgraded it. I know. You would have hated that, but guess what? You would have probably hated having credit card debt even more. His office is on the second floor. I'm just imagining. Temporarily. No, I just imagining. And you could have put it through the wall too. You're a handy, man. I don't want to make holes in our rental house. I think you could have maybe found a cheaper one. But that's so many. All I'm saying is there's alternatives. We paid some money towards it, but it doesn't matter because we purchased just as much as we put towards it, even though we're accruing $125 of interest on a monthly basis. So right now, $300 in interest is being stolen from you guys.

Yeah. What are we doing in here? Trust me. It's not 100% necessary. Going to the hotel store and getting some tequitos or whatever. And Sonic, Subway, Dairy Queen, Domino's, Max. Yeah, HBO Max or whatever. Yeah, Max. GenCon.

Amazon. Tequitos. Tequitos. Southwest Airlines. That must be for the Halloween trip. No, no. Southwest is for work. I get reimbursed for those.

All the flights and hotels on there. Okay. So I won't go out of flights and hotels. Amazon. Taco Bell. Amazon. Amazon. And there's a hotel.

We don't have to worry about that. Mount Playmore. Mount Playmore. Just go throw your kids. Just go throw your kids. They don't need to bounce on something. Just throw them at each other. Throw your kids at each other and whatever.

I did. Go to the trampoline store and be like, I'm going to buy a trampoline. Let them bounce on the trampolins. And I'd be like, oh, bye, bye. I promised our daughter we would go to Mount Playmore in it. The next promise I want you to make your daughter is, hey, you're not going to have to take care of me when I'm old.

Because Daddy's going to sacrifice. actually get his shit down for the first time in his life. And then Denny's very important things. Very important things on an interest accruing credit card. Takedos here, she specifically chose not to watch the channel. Yes. You wanted to come on.

You pushed to come on as a couple. And you didn't want to see anything because you wanted to be surprised. Yeah. Which is, I mean, that's awesome, by the way. That's like brave as, as it gets. But Takedos here is typically stopping at a gas station, getting some bullshit purchase. Got it.

Because we don't know what it is. And there was this guest to, refuse to give up literally getting tequitos for dinner every day. God. It's an inside meme. It's a doctor. I understand. Dr.

Pepper, his tequitos is a doctor pepper. Because apparently we can't buy those in bulk at Costco. I do. I do that as well. Oh, good. So. And over in abundance is what I'm hearing, actually, from this side of the desk.

We have an overabundance of tequitos at home. You guys are just getting your wants. You're just flowing and swimming in your wants when the needs are just barely being taken care of. Again, minimum monthly payment was done on this card. Luckily, you know, purchases, but $52 and 52 cents of interest accruing on the city preferred card with a balance of $2,434. So now we're almost $13,000 of credit card debt. Only minimum monthly payment being paid on this. But again, I don't play more, much more important than a shell card. Yeah. Balance, $632. It's weird how that sounds good after your multiple thousands of dollars on other cards, then $16.38.

of interest only making the minimum payment of $29. Listen, you went into debt for a situation that absolutely sucks. I am very sympathetic that you went through that. It's something you couldn't control. You know, there's a lot of opinions that are on whether or not it was correct

or not. It doesn't matter. It happened to you. And that sucks, and I have sympathy for that. It's been years. You are making money. I know this job's newer, but you've made money since then. You've made money since then. And even if we didn't make money since then, the bullshit purchases.

We're choosing the bull's purchases over making minimum monthly payments on these other cards. Then we have this, this. What is that? Credit card refinance. What do we do here? This one was the Jeep. My car. Who has the Jeep?

I have a Jeep. What is it? So 1998 Jeep Cherokee. The f***. That's old. Cheap shirt. Ask him about his cars. Well, okay. Yeah, tell me something about your.

Well, someone tell me something because I don't know what to ask. Okay. I got that car because I heard that they're very reliable. Does they have like a 4.0? In the late 90s? Yeah, they have this 4-0 engine in it. How many miles? 117,000.

That's not crazy for a, anyway. So it sucks. It's getting up there. It's getting up there. But, I mean, I bought the car because I had a Chevy S-10 that just was having a lot of problems. I bought that car and then gave my mechanic the truck so that he could replace the clutch because that was supposed to be the only thing wrong with the car was that it needed a new clutch. What turned out to be wrong with the car?

But then a couple months later, I was driving the car and the engine blew up. So I got a new engine put in. my grandparents helped me. They got a new engine. And then, you know, I think at this point, I'm like overwhelmed by it. Because it's- We have in 1983 Mercedes as well sitting in our driveway. Why do you have two?

Oh, we had three at one point. No. What is happening? Why? You have debt. You have debt. I was trying to make the most economical decision with the cars. Well, you haven't.

You have two cars. Right. You have two cars. needs a vacuum that costs $250 to replace so that it's all right yeah so $250 is what we've been holding out on on that car we have two last century mobiles yes I think we should just get a truck one no we're not getting a new car both of you are wrong just stop oh my gosh so which one's your daily driver my van I go between both I use both Sell one

But sell one Listen right now The Jeep is at the mechanics Because a little pin fell out In the ignition So he's putting in a push button start He's not charging me for labor Or anything for that

He's doing it for free He is very sweet But Because I just spent Thousands of dollars Fixing her van So he's like I'm not charging

Yeah When you get it back Sell the other car We don't have emergency cars I did post it Emergency funds. Okay, I posted the Mercedes on Facebook marketplace. Good.

And then I took it off. Jeep is in the shop, and I can't sell until I get the Jeep back. When will you get the Jeep back? He's on, it's next week, should be next week. Buddy, your car insurance. You can have the option where you're able to get like a free rental. Not a free rental. I mean, you're paying a little more on car insurance for it, but it covers it in case of a car emergency.

I don't think it covers it for it being in the shop, though, does it? My whole thing, though, has been car insurance every single month and registration every single year. For both cars. For both cars. We had a third at one point for many years. And I feel like we have a cycle of cars constantly coming in. That's not even on this debt, which then occurs more debt because then we have to fix the car. And you're right.

It would be more for like a car accident. But I don't know. Yeah. I mean, if it's, how much can you sell this other bull for? The Mercedes. probably 3,000. Okay. Do it.

When you get the Jeep back, the day you get the Jeep back post it. Should I fix the vacuum first? I get more for it if I fix the vacuum. It would make up... Cost $150 to fix the vacuum. How much can you sell it for after that? Okay.

Without the vacuum, probably 25. With the vacuum, probably 35, right? It would be about a $1,000 difference, I would imagine. If you are able to guarantee, because I don't know, and that's very hard for me to check. It's harder to sell. these cars in Texas. In California, the Mercedes is much more popular where I bought it, but in Texas,

because, you know, it's an older car and, um, well, you can put it like worldwide and then if someone really wants it, they'll pay for shipping, you might have to take a bit off the price because of that. Okay. I mean, I didn't think about that. I mean, it's possible. I mean, it's going to be a pain. Look into that. I mean, on the GPO, $4,196 with a monthly payment of $204.00. What's the interest on this thing? It's a lot. Dude. I think it's on there. It's not. Check. Check. Check. It's not. Check. Check. the other page. I had to send two different screens. I'm happy it's at 36 months.

It's a rarity to see on the show. Yeah, I wanted to do it as fast as possible because the interest is insane. It's like 20-something. No. Yeah. Because it, what does it say? Is that it?

It doesn't have a rate. But with the interest that's accruing on it, I would not be surprised. Yeah, it's not good. No. Yeah, so it's in the 20s. It's like maybe 24. I was guessing. I knew you knew about this.

I love that you think I know about all this stuff and yet you literally confess to not talking to me about finances, not sitting down and talking with me and showing me any of these, not communicating very well, feeling overwhelmed, but I love that every single time I ask you about it,

you go, you knew. Because every single time, you knew, you knew that, you do. No, I did not know. I told you, I mean, I've told you I pay $204. for the Jeep every month. I told you I to take out a loan.

I, you, I, you, it should be fucking weak. I know. This is a disaster. Yeah. The biggest thing that is preventing us from tackling this in the first place is the division in finances.

Do you support joined accounts? With discipline. With discipline, withholding each other accountable, yes. Okay. If it just causes more division and fights, maybe not. You have to come into it with an open mind. Take advantage of whatever insurance you have

and potentially see a couple therapists once a month based on the financial issue alone. Yeah. Just on the financial issue. It's 24% car. That's insane. School first alone with that. That's for the van, right?

But it's under your name. It is under my name. Because you forgot your ID one day? I did. We went and I didn't have my ID. Go home and get it. So, I mean, it wasn't even. So, no, so when we bought the van, we went to CarMax.

I had to take out a loan. Oh, CarMax. I had to take out a loan through CarMax for the van. They only allowed me to take out a CarMax loan. And then I refinanced it. CarMax is evil. Yeah. And her mother jointly did the van with me for a while.

That's why I have such. Yeah. So that's why I have a good interest rate on the van. What's the interest rate? It's, I think it's three something. Oh, okay. Yeah, it's a credit union just because we're teachers. and so we decided we needed a pull from Carmex because theirs was insane.

Yeah, it's like 3.4 maybe. CarMax is. Yeah. They don't negotiate anything. It's just all. Yeah. I tried to get, I was helping. The proudest thing I think we've done is the purchase of the Kia because that was the

most when we first, like I said, before COVID, we definitely had it better together. And that was a proper, I think, purchase that we both did together. We were able to get the. interest to where it needed to be so that we could manageably do it. But the extra cars are unnecessary and those need to go and they cannot keep coming back. Well, I just, I, I, I feel nervous about only having one car. No, no, no, we don't have just one car. No, we don't have, even still, we don't have emergency cars. We have emergency funds. Emergency funds cover issues with cars. Yes. Emergency funds can cover a rental car. Emergency funds cover the purchase of a new car in cash.

emergency funds cover repairs if it makes sense we have emergency funds we don't have emergency cars there's not a single financial expert that I've ever heard in this world suggests having emergency cars yep but every one of them suggests having emergency fund with a $306.76 minimum payment on this if I add the two payments that were done in that same month yeah it's auto paid so um

in a weird way there was like 70 bucks came out here no it's because so every month she pays me $500 She pays you like it's a fucking business. Right. So she transfers $500 into my school's first account. And then it auto pays the van. So I think she transferred it over. They probably took it out before she got paid.

So then she transferred over. And that's why it's two payments. And then that goes towards car insurance. That's the debt. Is there any more debt? You did the Best Buy card? No. I think I thought I sent it.

we're looking for it that was a TV and her uh that was your phone pull up your Amazon well while they're looking my Amazon yeah I want to see your Amazon purchases okay I should have sent that over too you did it was too long to print okay not too long your print but we were just like it doesn't make sense of crap well bad news about those solar glasses you got what have you not check the weather the weather it's gonna be overcast

not only overcast thunderstorms we're not getting any of the really no I'm sorry I'll cancel it I'll cancel it you should I bought some for everyone here yeah I want the kids to see it so now that I support I would have been really cool to experience together yeah that's a once in a life well probably twice in their lifetime probably twice in your lifetime I mean we just had one not that long ago it wasn't total it was like full totality though I didn't realize that we're gonna have such bad weather so okay uh daily defense Destin oh desetin that's diaper rash cream for our enough some apple juice for the kiddos fair enough

huggies paper dough okay is they seem like essential so far cord I will go with it cheese it's not necessary to survive the kids lunch the kids lunch for snack yeah okay I'm not against it if we can fit it in the budget I'm not against it I agree vitamins again fair now here here we go this is where you got that super gaming routers and crap I would have gone to Facebook marketplace yeah I think that's some Blue maybe for wood glue. Yeah. Goldfish, more snacks.

Honestly, this isn't terrible. Slim. Like, there is the classic kids snacks in here, but most of these are just paper towels and soap and they actually kind of start to repeat it. It's mostly subscriptions. It's one of the first Amazon's I'm okay with. So I do monthly subscriptions on this stuff. So it gets 15% discounted and delivered to the house. So I do that once a month I get those delivered. So that's for some necessities. How we doing with the best buy?

Yeah, I don't purchase on the Best Buy card. Congratulations. There's more debt that you didn't know about that he told you. Something. Best Buy. We got $1,815. What was this for again? That was the TV and her phone.

How much was my phone? I don't remember. $16 of interest, only making the minimum fee payment. Yeah. I mean zero percent finance, dude. There's zero on the phone. Okay, so there you go. Yeah, the TV was zero, and I didn't, it just ended.

I didn't finish paying it off. And it backtracked the interest most likely. I don't, I don't think so. Let me see. Let me see. Yeah, deferred interest charges. Yep, there it is. I didn't know.

I thought a couple hundred bucks. I didn't know it did that. Because you did not manage it. Because you did, you're not credit card people. If you didn't know that, if you don't know how to manage it. it and then that happens you're not a credit card I will only allow you to have the FIS card it acts like a debit card but still improves credit that's all but you guys are not credit people not at all you need to close your accounts chop them up I don't care if it impacts your credit

can you do that I can't close the account without paying it though okay some you can yeah well then we'll look into that and we will start looking at how everything those gone and it's called a wet account a physical is we don't need to worry about Fizz until our debt's paid off sure yeah that's true it might be better down the road okay but it acts like a debit card and still builds her credit so okay it's like a secured card right yeah so that's what i wanted you to get eventually because she doesn't have a credit card um was to get a secured credit card to fill credit but together not on the same paid together not right now $199 in the personal checking account oh we have more funds more fun in here amazon Alexa skills prime video

Apple, Audible, Amazon, Amazon, Amazon, Amazon, Amazon. Those are all the subscriptions. Yeah, those are all the subscriptions. Bill's Corner. Amazon. Amazon. Yeah. Amazon.

Amazon. Prime video. How do people get away from the streaming, though? Like, truly, because that's a topic of conversation. Interesting. Okay. YouTube's free. Best content I personally think.

I watch mostly YouTube, but. Yeah, we have a lot of other things. And there's a lot of good kids stuff on YouTube as well. yeah we do watch kids get some kids that is true um but i mean i don't think that's mostly all that amazon stuff you saw what the amazon stuff went um brookshire brothers but there still were streaming services i didn't call it to brookshire brothers because now i know that's yeah a bunch of groceries and then um then five dollars in savings making our way to retirement guys right that's right seven thousand dollars in the business account that's interesting right why so much in there so

the business account for like that kind of business because that's not a lot to have in a business account but for like a side hustle and stuff like that i'm curious why do we have seven no i get my my checks deposited into the business account why because i'm i'm not a w-2 employee i'm 1099 really yeah okay so um yeah so then i put it in the business account and then i pay myself into my checking account from my business account um and then i try i do pay like our rent out of of my business account because and then I go into my

QuickBooks. No, because. Because my office and my garage. You can write off your office. I don't think you can pay your full housing.

No, that's what I'm saying is that I pay it out of the business account because QuickBooks tracks my business account and then I go into QuickBooks and I split it within QuickBooks

as a rent versus personal versus business because the whole garage and my office are all. Is that down with the CPA for that? you can write off square footage of your home for work purposes. I don't know that that one's beyond me in terms of the tax code. I was told that I could by who by my friend who was a CPA.

Okay. He worked with me in the kitchen as well, but he was a certified CPA. He was. He just didn't like doing it. So that's why he worked in kitchen. Ask Reed. Can someone ask Reed? So he told me that I could rent my office from myself.

is what I was told. Oh, but that's not how you're doing it, though. But you're splitting it post-fact, post-hit. It's not a separate charge. Plus, then you would also technically have to, if you're charging it to yourself, you're going to count that towards business revenue and you'll still have to pay taxes on.

But I do see what you're going for. Okay. I do see what you're going for, and yes, that is true. I might have misunderstood that that's what I was trying to do. I mean, you're just splitting it in a half once it already hits, which you're not, like, actually charging yourself. Okay. I mean, if there's a better way that I should be doing it, I just was told that I could charge. So that was the easiest way for me. There are certain ways to do it. Talk to your friend again. Make sure you're doing it correctly. Okay. Because it's interesting the way you're just splitting it. Again, CPA, that's not my thing. Right. Taxes, not my expertise. But unless I misunderstood. I thought that I thought I was doing it right.

You can charge rent to yourself. You go to your business. You actually can do things like that. Um, So I was charging my business $1,000 for rent, including utilities, because the woodworking does take a lot of electricity. We have a CPA. That's awesome. I don't officially. Yeah. Well, it's a, it's a CPA that we work with for coaching. So if people want coaching, they can work with him.

All right. We'll see what he says. Okay. That's a good resource to have. Yeah. Sounds like it. well we haven't officially announced it but if you guys are interested in the coaching program it's on our website yeah that sounds awesome okay we're doing like test faces so 7000 bucks in there that makes sense

so i get it yeah this transfers back and forth in that case and then uh in the checking account there that's my school's first checking retunda bar and petio and more sonic so you guys get all together across all the counts you have to get go out to eat in some way shape of warm once every day that was uh every other day sorry so the retenda bar is new so that was for valentine's day yeah wow exciting i hope you didn't make it we got to go on a date yeah i don't know why it says the 20th because that was we went on valentine's day oh that's when i hit so you guys go out in some way of fun almost a day minimum once every other day We cannot do that.

It's as simple as that you cannot afford it. Well, okay. And some of it is also, I don't know. Anyway, on the Chase Freedom card, when I'm travel, I travel a lot for work. So I'm, I don't know. I don't have a choice. And I get reimbursed for those. Well, the reimbursement stuff is good.

But again, I didn't call out the airport travel after you told me. That's what some of the food is too. Well, I'm including that in your income, right? Because do you get the reimbursement no matter what, the $500 a month? Oh, I get the $500 a month no matter what. And then anything additional, like flights, hotels, I put it in expensive. But I didn't call it a flight and hotels. And then some of the eating out too.

Some. How much? Would you say? Best guess, be real. Don't pull. Best guess. 40%. Okay.

Yeah. I will probably contribute to 50% of that and 10% is probably while you're traveling. I do go out quite a lot with the girls. Yeah, but I'm saying on my cards. On my cards, 40% of my eating out is. I don't have his cards. Like, I don't have, like, a. separate thing.

Yeah, when I'm home, because I do buy, like I go out with sales reps for my job and then I buy them lunch. So that actually is ending now because I have a company card as of. Would you like to know what else he said? $30,000 of bad debt. There's not one good debt in there and we hit $30,000. $30,000. Did you know we were at $30,000? You were surprised at $10,000.

We're at $30. I know how we're going to get a house. You guys are not buying a house or not. No. What did you guys want to? In general, like in life. At some point, yeah. At some point, we don't want to buy it.

We want to buy like land. Okay. I'm totally down for that. But it requires sacrifice. You're going to have to put it over other things if you want it. That's what a lot of people get upset with. I'm concerned just because I feel like. Okay.

So I'm doing one budget because you guys are going to combine. Okay. Now, this is what you can do. One, we don't have both of spending right now. We simply don't. But when you do have fully funded emergency fund, and no bad debt, we can have fun spending. And what we can do in that case is when we determine after needs,

after minimum 20% going to investing, if we have, say, 30 or 20% left for fun, we can take that. And if we really want to split that into separate accounts, we can. Because it doesn't matter where fund money is going as long as it's what we've decided as a couple, as partners, that this is the amount of money we can spend on fun. That's okay.

But the bills, everything together, Everything needs to go into a collective pile. And since you get paid to your LLC account, that makes sense. But then that money needs to go into a collected shared account. Okay. And that's where your deposit needs to go now. Okay. And from there, so you need to set money aside for taxes.

Yes. How's that? I'm good for last year, but not this year. Yeah, I saw $5 in savings. Okay. Yeah. So this year I haven't done quarterly. 7-3-800.

So after you set aside money for taxes, you bring in $51,660 a month. Sorry. No. A year, sorry. A month, that would be awesome. Yeah. Okay. Yes, yes.

Or $4,305. I'm taking reimbursements and taking bonuses. Yeah, I had it at $4,200. Okay. Well, let's just say that. Because that might because sometimes, because those prices that hit my account do include the reimbursements from the previous month. Okay.

So that's why, you know, it washes out. Sure. So we're 91,000. Oh, what hits your account? What's your net on a, oh, I saw it. Yeah, it's 18 or something. Oh, yeah, it's not the most fun, is it? What did you say comes?

What was the number you just gave me for yourself? 42. 42 and 18. Okay. So 6,000. That doesn't include wordworking, which is maybe 500. after all expenses. But I haven't paid any taxes on that.

So that's not including money. Instead of stuff, for taxes. A lot of times, the woodworking has paid people give me cash. Careful, buds. Yeah, I know. So I'm going to say, careful, careful. I'm going to say. I need to start moving it into, I just launched my, I mean, I just finished my website.

It's not done. It's never done, right? It's a very nice website. My producer said. I haven't personally checked it out yet, but he says it's actually very nice. Well, thank you. appreciate that. I would put it in the description, but we try to protect everyone's identities. So we're using fake names and stuff. So it wouldn't make sense. That makes sense.

But if you're in Austin area-ish and you see nice woodworking on Facebook marketplace and you see a picture of man with the beard and glasses, purchase it. Thank you. Let's say $6,250 on a monthly basis. Does that work? That works. Okay. Cool. Today, I've got something truly important to share, especially for those who've faced tough times after a life-changing accident. When you're seriously hurt, your injury could be worth millions. That's where today's sponsor, Morgan & Morgan, steps in. With over 30 years of experience, they're not just any law firm. They're America's largest injury law firm, dedicated to helping you make the most out of a bad situation. Did you know, in recent months alone, Morgan and Morgan has seen verdicts like $12 million

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Let's see if our CPA has not responded. Okay, that's fine. He's a busy boy talking to all the good people out there. It's the season, right? Yeah, absolutely. But he's also helping people build budgets and stick the budgets and all that stuff. it's actually a really exciting thing that we're trying to do. I'm really excited about it.

Okay. Okay, minimum monthly debt payments. I was going to be interesting for you to hear. Yeah. $1,07. $65. Okay. Yeah, that's a sixth of our take home.

That's my entire monthly take home pretty much. Well, I have. Yeah, but less than half. Okay. Rent. our total rents. Remember, we're doing household now. We are not separate anymore. Okay. I think I sent something over. Did I, so rent is weird. Can I pull it up? Okay. So that includes water and trash and sewage. So it's around. Not electricity.

Not electricity. No. Electricity separate. Or internet? Not internet. So 2,516 is your rent? No. It technically our rent is 2158. And then. And then they charged us like $30 for smart home blocks or something and the $80 for amenities. Is that monthly? Yeah. Yeah. And then like $70 for pets. Oh, they put in the fees.

Yeah. As someone who actually rents out property, I don't do this kind of. Yeah. It's disgusting. So I didn't realize that there was going to be all these additional. That's how they get you. So I'm seeing $2,345 a month? That sounds right.

Yeah. Yeah. And then that's, so that month. was 2,500 because that included the water. Is this a house? It's a house. Square footage? About 2,000.

Yeah. It's a four bedroom. Yeah, and then it's almost 40% of our take home. It's way too much. We want a cap, especially in this area, you can get pretty darn close to it. 50% our needs, 50%. Yeah. So we were, when we signed the lease, I thought it was just $2,035 a month.

Yeah. I didn't really, I didn't fully understand that it. had all these other things on it. Until after we signed it. And that was my fault. And they didn't even mention the pet stuff until I was driving out here with the moving truck. Yeah.

Internet. It's 75. Kill me. And the renter's insurance? That's yearly 75. I already paid that. $6. Electricity.

Varies. I mean, I think that month was $500, but it's normally probably three. Me in the middle. Four. Okay. Okay. Summer's coming, dude.

Yeah. Yeah, I know. That's why I've been in Texas? Since last February. Last February. February, 23. Okay, so you've done a summer. We've done us.

It was a very hot summer too. We were told it was not seasonal at all. They were like, this is really hot. It was hot, but it's always going to be very hot. But that was extra. So it's going to be. Your electricity is going to be expensive. Okay.

Yeah, that's our high end. That was the highest it's ever been. Was 500? Because of the heating. Because you have electric heating? I thought you said gas was covered. So it's not gas heating. It's electric heating.

There's no gas in our house. There's no gas in our house. Electric heating is so bad. Okay, I'm going to say 300 then. So gas, vroom, vroom, gas together. Oh, it's yours. How much you spend on gas? Like 300.

How much do you spend on gas? I buy her gas usually. What? Like probably 150? Not even. No, no. It's like 90. Yeah.

So 390. Yeah. Car insurance is all completely. buying. 3.28. I'm lucky. I see people with worse car insurances for just one. I'll say that when I added

the Mercedes and went down. I don't know how. I don't know why. Age. Sorry, what was that? Age, maybe. Oh, maybe. I don't know. Okay. Let me think about this for a second.

We should be able to do $1,000 for food. Okay. That sounds about right. I usually go to Costco once a month and spend $500. at the beginning of the month and then yeah we try to just get one more trip in

TP money anything else we need to survive and this includes extracurricular something's going to be more one month some's going to be less we're going to do an average of 200 again you're going to go through the budget program and figure out your exact bills

and that's going to take hours and you're going to go through it together go through it it's like four hours and there's quizzes does that include like diapers and stuff diapers wipes all that kind of stuff that's like $75 a month

for diapers dude yeah okay 275. Okay. 300. Yeah. The young kids. It's just with the young kids.

They require so much. And both of them are going through Grosburg right now. So the clothes that we just bought them four months ago, you have to buy them new clothes now because they've outgrown them. But you are trying to cycle through the older is going to the younger. So there is that. But it also is awful. We do have friends that have kids that are slightly older. So people do give us a lot of people.

We are trying to do the communication of kids. community and trying to get the close like close that way. Do we have ongoing health care prescription, gym, how much on a monthly basis? So actually it should only be about I would say $50 because at least once a month we have to go to the urgent care because of either myself or the goods. I'm not going to lie. But you have you have prescriptions. I have prescriptions.

But those aren't out of pocket. They are. They are like six bucks. So I think that's twice a month. So it's like 15. bucks. No, maybe at that's $10. Every time I go to pick up a prescription.

65 bucks in total. Okay. Yeah. Are you going to the other thing care so much? It's like, what did you? Well, she chopped, almost chopped her finger off. There was the, I was trying to meal prep. Okay.

And I got, I'm just kidding. But I did cut my finger and that was not fun whatsoever. And then with the kids. So with the kids, the RSB and ear infections and ear infections and allergies and things like that. Oh yeah, they're gross. Our PCP out here is booked for months. And so the next, I'm waiting two and a half months for something that happened in like January. You know, so we're we so it's just easier sometimes just to go and it's $50 copay. And then it's taken care of. We have the antibiotics, whatever, yada, yada, yada.

So that is one of the definite things that we're going to need. Phone bill. Minus 35. Mine. Okay. Yours. 50. Well, you pay for your? phone? I'm not really anymore. No, but you're on your mom. Who does? I'm on my mom's. She's on her moms. And you're 35? I'm 35. Okay. Switch to helium. It's 20. It's better. Is it better? Same towers. Okay. Well, what are you using? Verizon. Verizon. That's a cheap Verizon. That doesn't really make sense. So I'm grandfathered in and it's prepaid and-ne. Maybe keep... Yeah. Verizon's like the best of the best of the best, but usually it's not worth the cost when we're getting out of debt. So I'd usually say do helium.

but your grandfathered in is something special, so I actually am going to make an exception. Okay. Okay, any other bills on a monthly basis that I am not taking an account? There's the gymnastics. That's in the TP fund. That's in the TP fund. I would say normally I put $40 on that school cafe,

so for lunches at school. No, you're packing lunches. That's in the groceries. Okay, that's in the grocery budget. Perfect. You're picking a sandwich and an apple. Your teacher. I'm giving the apples.

Right. All right. We have plenty of bread. Okay. Oh, don't worry. I'm going to dig into that kucci board in the post show. Get all up in it. And I brought you other samples.

So you could be nicer to us. He did it for nicest. I did it just because we need to gnaw on something at some point, you know. I don't know. Okay. So what's left is 335. on my strict budget, $338.40 is what you have left over on a monthly basis. Okay.

And that's not, that's with her income. Yeah, it's everything combined. It's all of it. I'm saying like we're walking into the summer. That's why I'm concerned. Is there anything else that you needed to add? Oh, because me. Two months.

What are happening to the kids daily? Where are they? They're with me. Yeah. They're out of school. Yeah, they're out of school. They're in daycare normally. So she, it's deducted before she gets her check.

It's deducted out. So the net that I have is after that. Okay, perfect. Yes. And then in the summer, they have to be with you. They, yeah. Unless we have that fund where we can look at, hey, you're going to spend a week at camp or, hey, we're going to go to. I mean, they're a little young for camp.

Anyway, like the two-year-old. Amelia will be four. So she's not that young for camp because there's things that we can do. like gymnastics can't fall into a fireplace or something no i'm just saying like it doesn't make sense to me unless they're both out of the house if you were if it i just feel like if we're out of the house we're not spending money on the groceries that we'll be eating at the house okay okay because yeah in the summer i'd be like please go get another job but they're in such an age where it's like really hard and child care

so expensive so and also i only have two and a half months off because i begin august first for our professional development you know it'd be cool if you can do this it's a very high turnover job and it sucks and you don't hate it. But if you do like a call center from home over the summer, well, you're dealing with them, it's not going to be perfect. It's easier, said than done. But anything that brings an extra income to get us as close as we can

to bring it in your almost 2000 net now. Right. Because we're going to be underwater in the summer. Okay. Like straight up, we're going to be underwater. Yeah. So it's either he has to double his hours by getting a second job in the summer. Which I did last summer.

It might be what we have to do. Yeah. Last summer I did Uber Eats and I got a job at Bass Pro Shop. Your literal. minimum to survive on a monthly basis is $5,911. $1,000 of that is minimum monthly payments of debt. So the quicker we get rid of that, I mean, that has given us so much room. We're almost close to you not even needing to work to hit the minimum.

Now, obviously, we're so long to because we need to have a little bit of fun in life. We need to be able to invest money for retirement. But. Okay. But you're not saying that we're totally a sinking ship, just totally. It's just tough because it's like we're, we're. our expenses are higher than our income during those two months in the summer. No, it's sinking, but to order to patch the holes, even with the extra $300, that's going to,

okay, so for example, we have $30,000 a bad debt, but we're going to sell $3,000 car. So we're going to have. Yeah, maybe $2,500. We'll see. Like, to be honest, I'm just. Okay, well, let's say $27,000 of bad debt. Let's just be happy about it. And we have an extra $338.

dollars. It currently takes 80 months to pay off our debt. So 80 months before you're allowed to have any paid for fun. Okay. Like, come on, that's unacceptable. We're going to be in our 40s. Right. Yeah. Because that's a set and a half years. Right. Right. So that's unacceptable. And that's not even taking account that you, we are underwater in the summer. So the reality is, I need to grow a woodworking business. Yes. If that can bring in consistent good income, heck yeah all about it do it if it's not bringing in minimum wage at a minimum like well no no no like austin fake minimum wage which is essentially $15 an hour because that's what they hire at most places um higher than that now but at the bottom you then need to pick up an evening job

somewhere temporarily yeah i'm i'm happy to do it's just hard i don't want to leave her alone with the i mean don't want i guess you know i hate to leave her alone with the kids let me do some basic math If you bring in an extra $338, you take that down from six and a half years to three years. Okay. That's all. For an extra $338, bring in an extra $1,000 a month, let's get this debt taken care of in two years. Let's have a fully funded emergency fund and all the bad debt gone in two and a half years. That's okay.

The oldest kid is going into six at that point. They actually start, you know, they will have memories around then. In the vast majority of their childhood, their vast majority of their childhood, they're a vast, majority of their grade school, their entire middle school, their entire high school is going to know parents who have an household where they work the jobs they want and only the jobs they want, where there's a fully funded emergency fund and no bad debt. So there's that stresses off their plate where they're having fun vacations. You guys are doing stuff and doing fun things and going out to eat and having these memories and sending them on study abroad trips, all these fun things.

because for two and a half years, mom and dad sacrificed to do a better life. And then both of the kids are headed into their 30s and 40s and they're not worried about paying for a roof over your guys' head because we can't rely on Social Security. At that point, who knows what it's going to be like. Right. So you've given their life an amazing, amazing shot in experience.

And you're also given the remainder of your life is an amazing experience because if you sacrifice hard, literally two and a half years from now, you'll have a you'll actually be out of bad debt if you sacrifice now and have a fully fund emergency fund um gosh i wish i could like normally i gift people a course career certification protect certification's health with income doesn't really apply for your field so it doesn't really make sense now i'm trying to think of things i can do with the resources that i have the companies i work with i can provide resources obviously you got the budgeting program um when you guys

Well, yeah, you guys need to start investing when you are two and a half years from now when you're out of this. And I can help maybe fund your first Moomoo account. There's. Yeah, we have. We had, I had, you know, whatever, Ameritrade and public. I sold it when we moved. Oh, dude. Yeah.

You couldn't afford to move. It's as simple as that. We couldn't afford to stay. I know. California was, especially in Long Beach. It was like we were getting kicked out of our, our. housing situation where had to leave our house. They had sold the duplex that I've lived in since for eight years.

Yeah. And it was just under new management and they were taking all the tenants out. So yeah. I'm going to do repairs and increase the value. Exactly. Okay. So it's kind of a bad situation on top of a bad situation on top of trauma based responses on top of no communication for a while.

Speaking of that, that's, I can, we'll give you the plan. I can get an extra resource. None of that matters if you guys don't communicate. Correct. So I need to know now. will we sit down scheduled monthly basis, go over our past month's budget and what we need to address for the future months budget and where we're at in our debt payoff journey? Are we committed to that? Yes.

Are we committed to potentially using our insurance to for a couple months? We're just trying to get on the same page, potentially seeing a couples therapist on the financial aspect at you alone. Yes. Okay. Are we committed to combining our accounts where the income flows into and actually communicating over this and not just spending willy-nilly? Yes. Okay. I know. I'm nervous, but no, I agree.

You need to do it. It's like I know that like I've been trying to obviously I've made no progress. You can see right here. You can see I've made. Is not written here. I know. So you can trust me. But you also spend a thousand dollars more than you bring in on a multi basis.

So this is that that's come on. Yeah. We need to trust each other. We need to trust each other to know that. I thought I could handle it. I thought I could handle it on my own. I thought I could and I can't. Obviously.

We need to do it together. I'm way overwhelmed. So I need to work together. What is exciting now is that we're looking into the future. The past is the past. If we all got judged for things we did in the past, like we'd all be for the rest of our lives. Those are pearl clutches that are unrealistic human beings.

Right. What we're doing is we're judging for what we're doing now and what we're doing in the future for a better life. Yes. So what you guys choose to do walking outside of this door is what matters. I do not want to hear in the conversation. When you got into the bad debt, when you spent more before. We're only addressing what happened the most recent month and what we need to do the fix the next month.

Are you also committed to cutting the bullshit temporarily sacrificing and working more so we can pay off the debt for a better future for ourselves, better future for ourselves? Better future for our children. Are we committed to pay off the credit card debt in closing those accounts and not using them until we can prove to ourselves that we're financially disciplining credit card people? Yes. Yeah. And the budgeting program is going to chop up your credit cards? Yes. Yes.

Right now? Get them out. I don't want to show them, but. No, we don't need to show them. Well, we have this fancy technology called Blurring. I pay a lot for these video editors. You will need to keep one because of your job, whichever one that is. Well, now I have my work card.

That's the only one of where I'm saying, like, don't cut that one up by accident. I don't know if I even have all the cards on me. Oh, when you find them, burn them. Don't carry them. I'm sure your kids would love nice little bonfire. Right. Yeah, some s'mores. Those fumes, though.

So I think I don't. That's called flavor. I only have these two. Kill them, burn them. Chop, chop, chop, chop, chop, chop, chup, chup, chup, chup, chup, chup. Good job. See, big proud moment. This is bonding.

Yes. Okay. Don't eat that. Good job, babe. Cool. So, that's my prescription. That's my diagnosis. It's what you guys decided to do from here.

We're open to help in any way. possible you just reach out and we'll connect you with resources but it's still behavior and choices from here right so you said an eight you said a what one i said one okay let's see what i was probably optimistic myself spending in a budget i'm doing the household your portion was way over and you were still spending money you didn't have optimistic two out of ten for that category debt mm-hmm zero it's no because zero is usually collections or irs debt okay no technically you haven't paid in taxes on your woodworking but either way yeah I had a collections on there from

I had identity theft but I just had it removed like right before I sent that over oh okay yeah and it's bad debt it's not the worst of the worst that that car that 25% or whatever is going to bring it down to a two I would put it

to three but that that nicked it down emergency fund there's nothing anywhere zero to ten doesn't make sense retirement we have a little bit started very behind for age two out of ten real estate nothing right now zero out of ten we can talk about that actually let's talk about that in the post show um because it's an interesting topic and we may as well hammer financial score one out of ten you're all right make sure to check out all the links in

the description below they are resources that a user would use in specific situations including the best budget program in the history of the internet now join us for the financial audit post show everyone today on the financial audit post show thought it was okay no i thought it was one thing and it turned out to be another. What do you think it was? Going to an office, people would come in and say, hey, I want to buy a house or, hey, I want to sell my house. Come on.

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