Financial Audit - Controlling Husband Exploits Young Bride To Serve Him | Financial Audit

Episode Date: November 4, 2024

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Terms apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. There would be times just to go to the grocery store wanting at like $400. Whether with the needs or not, it freaked me out. So, then at that point, I just made a decision to cut it off. 400 was not being given to me. You feel like you're being controlled? Sometimes, yeah.

Do you feel like a wife in this relationship? Most of the time, I feel like a daughter, and I've told him this. How does it feel to be treated like an infant in your relationship? I think that's part of the reason I want to come on here, because it is getting to that boiling point. Hi, I'm Kayla 24. I'm Matt. I'm 33. We're from Fort Worth, Texas. And this is Financial Audit. Welcome down to Austin, guys. Thank you.

And your spawn is out there making noise. So I already know that we're probably a married couple, right? Yes. Very cool. And how old is that kid? Sounds less than two. He's 10 months old. Oh, yeah. That sounds about right.

We have our resident. Most child-liking soldier out there making sure he's not like dying or whatever kids do. Yeah, rass him down a little bit. Yeah. What do we do for a living? We'll start with you. I am a in-home nurse for my disabled brother. Okay.

Wow. Do you get paid for that? Yeah. From the government or from the family? So I get paid through the government with family insurance. So his insurance pays the government, which pays me. It's very interesting. Can I ask what's going on with the brother and why?

At about 10 years old, went into a coma and there was a malpractice. And so when he came out, he is forever a 10 year old and can't be left alone. Oh, really? Whoa. I'm sorry to hear that. But I'm glad he has a sister that I'll take care of him. What are you making with this? I make 10-16 hour. Okay. And I work. That's a little, that's hard for Fort Worth. Yeah. And then I work 10 hours a day. every day for five days out of the week what happens the other two days i finally get to go home and take a who watches my brother uh lives with my parents oh so they take care on the weekends yes okay and

you said it was 10 what 10 60 an hour 10 60 an hour okay so uh okay 60 and you work five days a week right correct 500 30 hours a week that sounds before taxes Yeah, that sounds about right. Times 52 divided by 12. Okay, 2,296 hours a month. I don't have you been doing this. That has to be so hard. I just started first of October.

He was kind of... This is fresh. Okay. What was he doing before? How was he? He was with his biological mom who recently passed away. Okay. Wow.

What do you do? I don't think we can live off of that as a household, especially with the newborn. No. Okay. I'm a power line technician. Oh. Ooh, there's money in that. What are you making?

I've just finished training as of tomorrow. Actually, I'd be done training then. We had someone on the show that did that and they made like 150, 175. Oh, more likely he was a, he was probably a lineman, but me, I'm more on the technical side of it. Okay. My job comprises of cutting off people's power if they don't pay, meter investigations, just miscellaneous kind of things, which it can be fun. But like, ha, you don't get to have warmth today. Yep, that's my plan.

And what do you make? I make as of next Monday I'll be making 3857 an hour. How many hours do we work? Minimum of 40. Okay. And do you get overtime? Yes. How much will we be bringing in per paycheck?

It's probably going to be about 2179 per day. No. Oh, is that weekly? Yeah, it's by week. No? Mm-hmm. Oh, yeah. 2179 by week.

I got real dumb. Real quick. Okay, so 4,358. How do we feel living on that, Fort Worth, both of these together? Both kind of new. Is that why we're in debt? It's because both of these are so new. Because you guys aren't making nothing.

Right. I mean, the household, I mean, well, we got to take some away for taxes for you. But how are we living on Fort Worth in this? We actually just moved. From where? From Grand Prairie, from living with my parents. Okay. I don't know where that is, but how are we living now? How's life? A lot better. Why was it bad? We went from having our own place in a truck that was paid off. That truck got stolen.

We went from having our own place in a truck? No, no, no. We had a, we were living in an apartment up north relative to where her parents live. And around that time, it was around maybe March or so, where we got our truck stolen from the parking lot. Okay. And the truck was paid off entirely. So that was our time. Oh, that sucks. The insurance not cover that? No, we had a liability because the full amount that were charging me to exorbitant amount like 300 plus.

Oh, I'm sure. And I took a, it's a big thing, but I took a giant pay cut and hour cut coming from contractor to a full-time employee with the company with now. And I just got a promotion. I'm just about to finish training after a year. Okay. So I'm slowly. How are we living now? You say life is better.

Okay. Not paycheck to paycheck anymore. Not paycheck to paycheck anymore than why is debt there? Well, it's not like it would be an instant payoff. Don't get me wrong. Right, right. The move out was more expensive than anticipated. This always happens on the show.

I don't get it. I've done so many moves. I've done a cross-country move. And I just fucking do it cheap and it's chill. What? How much it costs? And when? When?

About three weeks ago. Okay, how much? You know the answer. Well, you just went full convenience? What did we do? And in between, we tried to find a place that was not too luxurious, but not too in between the runs. Huh? Like the apartment we're living in now.

We're trying to go in between luxurious and cheap. No, no, no. Why was the, oh, are you saying the rent wind up? Not the move itself is expensive? No, the move. Both. How much was the move? Well, the move, we lost some things on the way.

We didn't use a U-Haul and all that. How much was the move, please? Take. Sorry, you might want to take that part out. I guess the move by itself was probably like $300 by itself. But us losing things that would cost more. For someone that makes like 6,000 hours a month as a household after taxes, 300 wouldn't make a break.

So how much did we lose? What did we lose? What, what, what? He lost multiple containers on the move there that had, didn't strap him down. I was at home with the baby. Dude. He didn't strap him down. So they came off.

So we, most of the. money went towards replacing the things that he lost. How much? So you pulled six grand. So six grand. You pulled six grand? What's pulling six grand? You want to tell him about that?

I took out a loan against my retirement to get us started. I'd like to start. I'd agree to this. And the stuff we lost were 100% necessities needed to survive. Hygiene. So toothbrushes. Okay, that's a $6,000 dollars of toothbrushes. it's a very small amount was actual necessity.

The rest was. Then why did we do it? Why are we borrowing against our retirement? That kid's going to have to take care of you. If I had known anything about how it worked, I would have told him, don't do it. Well, no, I told you. I told you that was a loan that wasn't necessarily going against, well, it's going against my retirement, but it wasn't going to take that IRS tax hit on it.

Yeah, there is that. So I was trying to abort that. But you're still messing with your retirement. And as a concept, I mean, as you're just going and borrowing money for people that already have debt for things that weren't 100% necessities, just because we lost some convenience. And this is a bad precedent to start, a new life bond. How long have you guys been together?

Married for two years. Been together for about five or four. Four or five years is how long we've been together, but married for two. Okay. So you guys met like 19 and 29? 19 and 28? About 20, 20 and 29, 28. Was the kid whoopsie or?

No, he was planned. Okay. So in your guys' marriage, in your conversations around money, how are we doing? What's happening here specifically? What are we looking at? We don't agree at all. He says put every single thing into a savings and don't. What's wrong with that?

I believe you've got to have fun or something after all the important stuff is taken care of. Do you have all the importance of taking care of? just borrowed against your retirement fund? I didn't borrow anything. Okay, well, you guys are together? Are you not? I didn't agree to it. If I had known, I would have told him no.

Wait, did she, what do you mean? Well, wait, you made it sound like she knew. No, I told her that it's going to be a loan on my retirement, and it's not going to actually affect it. It's just going to be alone. So he didn't educate me on what actually was going on because I would have said, what did you think was going on? I thought he took it out and it didn't affect anything.

He could, I talk with my hands a lot, I'm sorry. It's okay. I thought he would take the money out, but it wouldn't affect the actual thing and just it would rebuild on its own. I didn't know he had to like. Why would you be for that? Really wasn't for any of it, but I didn't want to argue anymore. Anymore? Is this money in endless argument?

Pretty much. Wait, but you guys have been together so long. You weren't aligned on any of the stuff. It all did... At the beginning. We were okay with... At the beginning you were? Yeah.

How? What was the alignment? We were... So we acted a certain way when we first met... What? Fri-round? Yeah. And you were okay with that.

We want that to continue, even though we have a kid. I didn't know much about dead or anything. So I kind of just got thrown into it once we were married. Now, how do you guys disagree if we've moved beyond around then? It's not... Where's the disagreement? There's no happy middle.

I just... just say take care of the main stuff. I have a stack of debt. Does that not consider it main stuff? I think it's main stuff. Then what are you talking about? Take care of our bills. Whatever's left over after bills.

Put it towards what we need to put it towards and whatever's left over. Then we have fun with. There shouldn't be any money left over. You have debt. Bad debt. See, that's where I come in and where I'm saying. And your retirement is trash for your age,

even without you're borrowing against it. Mm-hmm. So my, my, mentality of it is I've had my fun. We've had our fun. You've had your fun. We've had fun. Are we, just to be clear, we're talking that because of the age difference. Yes. He lived the 20s, you have not. So maybe you have different expectations and desires. I don't want to go out partying, but I don't want every single dime and penny I make to go towards what he thinks is important. What's important?

Well, clearing out debt, getting a house, and I have a home for my family. That's my number one goal. Okay. And when we bring that out, we have constant adversity about that. I want to save, safe, save, and put almost absolutely everything towards it, and she wants to spend, spend, spend, spend. I don't want to spend, spend, spend, spend. I want to put majority of it towards saving,

but still have a little bit of fun money so I can enjoy our son not being a year old yet and getting to make memories. Oh, what do you mean? Because he's not going to have any memories until three. Oh, yeah. I'll have the memories of going to a pumpkin patch, going... He's dealing with a stinky little boy that works in this office right now, but he won't remember it. It's just like getting to enjoy stuff with him while he's little.

Well, okay, I'm not against going to a pumpkin patch and taking some pictures. What's considered a little bit of fun? I mean, going out to eat was $519 that could have gone towards death. Okay, maybe 400 of it instead. Miscellany's bull-all of the extra spanish. spending on, it could be a video game, could be,

you know, in app, who knows, all that stuff is $402. So what's considered a little bit of fun? If we're trying

a little bit of fun, we can have, we could have a payoff strategy that has little things along the way that keep us encouraged. I'm not necessarily

against it as a concept, but what's a little bit of fun because that's almost a thousand dollars spent on both that didn't improve the household? That didn't get us to a household. that didn't get paid off towards that. I've just wanted like a hundred bucks for the month to do fun stuff. Is that true?

No, no. She ended up being around $400 a month just for herself at some point. What would you do with $400? Oh, go on. 400 was not being given to me. The most we came up with was $100 per paycheck, and that was recently after you started making a little bit more. Yeah, but before that it was $400.

No, it wasn't. It's always been $100 a month. and I'd use it for little things, maybe getting myself something like a shirt because I don't fit my clothes anymore because I birthed your child. Our child. Our child. You're our child. I mean, if you look at the statements, if that's true, then what do we have right now?

Not a lot. I don't know. I don't pay attention to your statements. Not a lot. What do you mean? Wait, why aren't we reviewing, are we not together financially? Like our statements, are we not? It's all under one, but he puts everything.

he makes all the executive decisions, so I kind of gave up trying to track it. Why aren't you bringing her into the conversations? I should understand. I show her. Well, show is different than being a part of the conversation. Aren't you bringing her a part of the conversation sitting down at the end of the month or beginning of a month

and reviewing what was spent this last month, what we need to fix? I try to talk to her about it, and then it ends up. We start off calm, and then some adversity happens, then we end up having a screaming match. What happens? Well, what's the adversity? There's no conversating. I'm being told this is what we're doing, basically get over it.

Is that true? Not exactly. It starts off soft. So it's true. So she just doesn't. Yeah. So she won't line up with things I believe in, what we should be doing. And so that gets me a little angry versus why I was saying earlier, hey, I want to pay off all this debt.

Is that a productive way to do it if it hasn't worked out yet? Yeah, obviously probably not. Then why are we doing it that way? Well. What would be the way that would work for you? Include me. Let's come up with something together. let's figure out what everything should go towards.

Let's make a plan. Not this is what we're going to do. Just deal with it. You think that's how you present it? This is what we're going to do. Deal with it. Most of the time, yes. That's the way I present it.

Okay. How long have we been trying that method? Because obviously that's not working. Oh, wow. Probably at least six months. And also, does that even make sense? Because, again, we spend a thousand hours a month on bullshit. So this is what we're going to do.

Deal with it. nothing happened in terms of a positive way. I mean, payroll that came in, you didn't make any money yet, and it was 4,626 from you. Literal spending was basically the exact same. We spent everything we brought in.

Everything. Yep. So you executive decided, but no progress was made. You say your goal is to pay off the debt. You say your goal is to get a house. That didn't happen under your executive regime. I crack easy.

So, like, for example, if I'm at work and she calls me. So it's her fault. No, not her fault. It's a mix of both, in my opinion. So it's my fault for not giving her access to the money as I draw onto the savings. I attempted to get access with the bank, but a lot of technical difficulties happen. And I could have tried harder by it, didn't. But she'll be at Walmart or getting whatever it might be.

And then she tells me beforehand what she's getting and I have an idea of what that costs. And then she tells me, I'm at the register. It's like $190. Wait, you're calling him at the register? I have no access to our money. Anything that goes into the checking goes straight to the savings that I have no access to. Yeah. So I can see that.

Why didn't you try harder? Because he doesn't want to have access. Is that honestly, is that the like subconscious reason? If you really have to dig deep, are you afraid for her? to have access to spending. And also, if she doesn't have access to spending and we're spending $1,000 on bull-uh, that equally lies on you.

All right, guys, I get it. You need more financial audit. So, we've decided now, in our membership below, you get two exclusive, see nowhere else uncensored financial audit. Every month. Again, 384 came in from your job.

How much do you think you spent? How much did I make? 384. You don't think you overspent? Oh, I probably, I guess I did, yeah. Seven, maybe. Also, three post shows a week for every financial audit. You're seeing right here on YouTube.

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A member stream every single Tuesday with myself and the crew. Wonderful human. Guys, she's just not good. Wonderful, wonderful human. I do love her. She is a wonderful person. I like like her. No, she's a great person.

She's a thing. Great person. We know she's a good person. We know she's a good person. Like, wonderful, wonderful human. But she's just so into me. And she always wants to hang. Oh, no.

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during the ups and downs of ad, rates. And this helps us invest in making the main show even better with every passing month. Join the membership, guys. Even Dave's a part of it. Right. So I like what has your executive decisions haven't arrived us anywhere successful. Right. Yeah. The executive hasn't worked. But yeah, that is the honest truth. I, I'm scared that it's just all going to go away because in previous months. So we have the impetizer? I don't want to do that. But I guess I have to you. You are doing it. Yeah. What do you don't want to do? You are doing it. How does it feel to be treated like an have any relationship.

Oh, it pisses me off on the daily. And, but we've been married for two years. How have we, how's this not, how's this not either reached a boiling point or any solution or anything? Where are we right now, guys? I think that's part of the reason I want to come on here, because it is getting to that boiling point. Who wanted to apply?

Was it you? He wanted to. I agreed to it because I know at this point it is, it's bullshit that I'm kind of just, I tell them, tell them all the time, I'm tired of being treated like a child. because that's what you do. You put everything away and your child has to ask permission for this, this and that.

Even for basic needs like deodorant or toothpaste. Do you not feel that it feels a bit weird that she has to ask permission? I get the agreement conversation. It's okay to discuss whether or not we agree

or disagree on purchases, but asking permission like, excuse me, Daddy, may I buy toothpaste? It's a little more than that. She'll start off with saying, what she wants to get. I'm like, okay, great.

That's what, like what, $60? She'll go, yeah, something like that. I'm like, okay. And then she gets to the register. This is if she calls me beforehand. She gets to the register and it's like, it turns into $1.90. And I'm like, well, how did that happen? What are you getting?

And she's at the register with people behind her. And so I'm asking these questions with her, a lot of people behind her. So that puts pressure on her. And all I ask for her to tell me is, what are you really getting? I mean, if you want to go to get the needs, stick to the needs, stick to the budget of that shopping trip. Don't jump in and get extra stuff. in for needs and I just

I guess I'm not getting the estimate correct but I've gotten a lot better at You walk out only with needs? Yes I'll go in there with I don't get my wants unless he's with me so that he can agree that I can get it. How was the

$1,000 spent on? How? DoorDash. It wasn't just DoorDash. We have not used DoorDash in months. Well this this month of particular movie We bought a bunch of new furniture. We probably put that in another large purchase. It's not miscellaneous bullshit.

Not going out to eat. I only gave you miscellaneous bullshit going out to eat. So a thousand, okay. What would the missile use be? The ordering pizza, the insomnia cookies. That's going out to eat. That's eating out. We had video rentals.

We had video game stuff. We had city smokes. We had WSS shoes. And we had a lot of TEMU. I didn't even know it was. possible to spend $224 on Timu. That must be the entire store. I am the Timo user

using the allowance that I'm given. The allowance. This is so confusing. Listen, why is one being treated like an infant? You already put an infant inside of her. Why are we still treating her like one? I just, I don't get it. And listen,

maybe she would be a complete if she was given all the access and freedom I guess. Like maybe. But isn't not just a weird relationship that we have here, at least on the side of money. It's weird to me. It's pretty great other than money. Money is a hard part.

It's one of the leading causes of divorce. So that's probably something we should take care of. Is it not weird? It's irritating. It's uncomfortable. For me, we have that thought process to be okay with it. I'm just not realizing it's not comfortable to do that at all. But even still, you say I don't have like a.

or like I break easy or something. Like you break $1,000 easy? Yes, I do. And what's the, what the fuck is the point? Why not work together then? If executive action is clearly not working. Yeah. We should.

I want to know self-assessed. We're going to jump into the money right now. I want to know self-assessed. I'm going to go. Three, two, one, go. On go. I want you guys to give me your household financial scores at the same time. Zero being the absolute worst, ten being the absolute best.

Where do you guys think your household is? Three, two, one. Zero. Okay. So we both think we're pretty low and, you know, it feels about accurate. So I'll spend a thousand dollars on bullshit. If you guys want your Hammer financial score, it's free, link in the description below. If you guys want to come on the show, come on.

I got a screechy little voice and I will direct it into your direction. Go to Calebhammer.com slash apply. American Credit Acceptance. What am I looking at here? That is the car loan we got about... Car to replace the... The stolen truck, yes. Stolen truck.

police report and everything? Yes. Nothing came of it? Nothing's come up of it. Okay. I keep checking. Did we get proper insurance to cover this time? Yes. What's the car? The car is a 2011 Toyota Highlander.

We owe, what do we owe? What's the balance? It should be around 19,000 something in chain. 19,000 and a couple hundreds. 19,000 and a couple hundred. So I'll say 19,500. We have a minimum monthly payment, $521, which is not insignificant. Luckily, with your income, it's better, now with your income together.

But when it was just, when it was just you, that's an expensive car payment. It was just you at your lower income. Yep. Yeah. When did we get this again? Remind me. Last month. Okay.

What's the interest rate? I don't see. It is 24.7. Oh, for fuck sake. That's a credit card. That's a credit card. Who do you get approved? Oh, the American credit acceptance?

I mean, if you go to a place called American Credit Acceptance, so shit it's going to be. Guys, what's our credit scores? Mine's 611. Okay, I don't think you need to... Well, 611's not great. But 24% in you? Well, the low score is like 575.

The high is 6.6.11. Anytime I look at my credit score, it says I don't have one. I've never had a credit card. Oh, that's a new. That's new for the show. You're exactly where Dave wants you. Who's Dave? Dave Ramsey, I'm assuming.

He wants everyone to get to a place of no credit score. That helped. Everything just says I don't have enough information to have credit because I've never done anything. Exactly. I want you to open up the FISC card now. It's a debit card that helps build your credit. You open up the FIS card. Okay. Yeah, you've heard about it. You've probably heard about it from me. Is that the card you fill in previously and spend whatever you're filling?

This one acts like a debit card. So I want you to go ahead and do it. It's in our resources section. Okay. You've never used credit. You've never had a credit card. Why? Because you've always been with him. Because essentially since you turned 18, you're like with this dude. So it's like you've never had to... I just, I didn't want to screw up my credit, and I've seen too many people. But also not having credit is screwed up credit. Yeah.

You can't qualify for a single thing in your life. So it's just you on the loan then. Yes, sir. Just me. Why did we accept this as our reality? Why did we not shop around? You can apply for multiple. We did shop around in.

What shop around? My initial idea was to get a cash car, something that's around. Good idea! Yeah, that was my idea at first, and then the stuff that kept pulling up had, was a lemon, was a bad this, bad that, and, you know. Try not to hitting the table. I know, lemons are angry, but... But, um...

We wanted something safe for our child. Okay, what? You think cars that were made before 2011 were the most dangerous construction? Nope. Okay? You think things that aren't a massive SUV are just going to get crushed? We did find the Honda CRV on the... same a lot. They believe it was of 2008 with like 171,000 miles. I had a couple of wrecks on the

history, but it looked and sounded sound. Listen, I'm not saying that like I'm sure there's, I'm sure when you're going out there, it's hard to find a car. And there's lots of competition in a large city. You get more choices, but there's a lot of more people getting cars. And, you know, it never fully recovered pre-pandemic. And we are approaching a better place, but it's still taking a while. The thing is, even you don't put it in the hard work. You don't take a car. and get it checked out by a mechanic who trusts like, hey, well, this just lasts me a long while without having to put a bunch of money into it. And then will this keep me and my family safe? Those are things we care about.

If we don't go and do that and we don't put in a little bit of work, we end up with a 25% interest rate on a car. Guys, for a few weeks only my new debt mastery class is 35% off. Plus, the first 500 that sign up will get access to a private live stream where I break down how I got out of every single cent of bad debt. and how I now use good debt to my advantage. We still have a few spots available, so get in now. I'll answer all of your questions there as well. In this debt program, we don't just focus on paying down debt. I'll show you how to use debt to reach your life's goals.

How to negotiate your debt and frankly negotiate any type of payment with anyone. We'll also go over how to curb those psychological and overspending issues that keep you from living your dream life. This includes 10 tools that you can use to quicken your debt journey. Check it out, guys. Limited time only. Link in the description below. How long between looking for a car and getting this car did you get this car? Be honest.

Lost a truck in March. Got this car. When did you start looking? Like day you lost it? No. Actually looking was a couple months afterwards. Okay. So how long between starting looking and getting this car did you get this car?

About a month? A month. It's not horrendous. About a month or something? Did you take any cars to a mechanic? No. Not. Well, actually, we had one prospect.

or her, uh, my parents-in-law, they had a, a Ford expedition with like 28,000 miles on it. It was running sound. That's a lot, you know,

other than the fact that every time it rained, it would leak into, so where the spark plugs were, we're probably not doing that. Right, which is why we didn't. Um, he, now the place that you applied for a loan,

okay, let's say we have to get a $20,000 in our car. Was this through the dealership? Yes. Why didn't we try to go outside with like our credit union or something? Do you apply? to different loans? No,

I didn't you apply to multiple loans? You can apply to multiple loans. I just went straight to the dealership, found a Toyota. And they're like, here's 25% that I can destroy you. And the look she's giving you right now. What are your thoughts? What are you thinking?

Because this is a... She asked for something shining. I found it. This would scare me. I don't know much about cars. So he, in my opinion, he should have known enough to apply...

Hold on. Do you know enough? Like, what, just like... He's had two previous cars. from dealership. So by now... Okay. Listen, I've had like 10 cars because I used to get just beaters upon beaters when I was in college and couldn't afford anything. That doesn't mean I know

anything about cars. I've never had a car from a dealership, so I don't know how any of it works. What does that have to be from a dealership? I'm so confused. Oh, you mean going through the process of buying out a dealership? Okay, not like how good a car is. Yeah, I've never gone through a dealership, so I don't know the process and he's going through a... I do have this magical solution.

If you don't know how things are, we're on a platform where you can just ask, how does this work? And people will show you. I'm confused. I feel like we just don't have an excuse anymore in this world for like basic things like that. We really don't.

You can learn everything. GPP can tell you for free. We really just don't have an excuse for basic things like that. There's trap-a-toe that AI that tells you stuff. Yes. Including you as well, walking in and getting f***s like this. What is chat PGT? It's like you just ask it a question and answer?

Yes. Maybe we should stay on the topic. It searches. It's search of sources. I tell it to search sources when I do it. Okay. There's really no excuse. Well, why?

Why did you not think of any of the loan? You just trusted the dealership, though? I think at the time was just desperate to get it done. It might have been that combined. Ease and quick guys how they get you and we're okay with that. And if the mindset like that's going to put us for the rest of our life, the ease to get it done makes us borrow against our retirement to get the We lost that we want.

I just, I was desperate at the time. I was receiving pressure on all ends. And we'll pressure from her to get a dime and pressure from our in-laws to get out. So we can, you know, move on about our lives and be a normal family. You currently have some pressure. You currently have face. Well, no, not pressure from her parents. No, I said that wrong.

No, no. She's giving you face. She's serving face towards you. And then more of like, we just wanted to be on. Okay. Okay. Do you disagree? Because I'm looking at this. He gave more pressure on himself than anything because we needed a vehicle in order to take our child. How'd you guys meet? We, you want to start that? We met at his birthday out at a lake.

Why were you there? I went with a friend and met him. And then we went to a popular bar afterwards. Together? He asked you out at his birthday? No. No, we were just kind of there as a Kwanis. At the bar? A friend of a friend of a friend sort of thing. We went to a lake and hung out there, like, drinks and beers, whatever. Then we drove later that night to the bar and just.

Together. Or with the friends? Oh, no, we were in separate vehicles, obviously, but we met at the same place. All the friends are just you two. No, all of us. Oh, okay. The four of us. Okay.

And then you're like, is my birthday thing? Yes, basically. Yeah. He was supposed to be a one-night stand, but see how that went. There I am. What is the term length? 72 months. This is how we want to raise a kid with this.

With this. This kind of debt. This is what they want to grow up in. I was raising this kind of debt. It is not great. That kid will grow up to see people around them getting a lot of things and living different kind of lives. And you won't be able to give it. Well, I'm...

You were the one that signed. I wasn't even there at the dealership to read anything. That's just a lot of pressure. I was trying to get it done. And yeah, I should have done more research, but... We can get pressure for a lot of different things. If you make a stupid choice in the end, it's still a stupid choice whether or not there's pressure.

I don't know. Okay. I was just trying to get it done. Just got it. What am I looking at here? Well, what is all this stuff? Okay, so this must be the car on this statement. Department of Ed, Department of Ed, at, okay, so wait.

What do we have in terms of student loans? Yes, sir. Student loans? $45,500. 42 from who for me okay did you ever go to school do you want to go to school do you want to go to school do you want to go to school what do you want to do I want to stay home and take care of the children and I'd like children I want in the few very far future it's but it's not now how far exactly I don't know when we're ready when I'm ready when are you ready financially I don't know if

you're ready for this one I'm not even ready physically so huh I'm not even ready physically so recovering from the previous birth bad birth yeah Yep. Yeah, she had to be induced. It was, I mean, he's here. He's healthy, but she had to be induced. Healing was just really hard for me. I want to do a remote job. I want to work from home so that I don't have to pay somebody to watch the kids. Okay. Let me give the course career certification from you. I recommend maybe like the customer service or accounting one for like that. But go through their free program that anyone can do that attaches you to a certification that will like match you with a good career. Do that. And then we'll. We'll. pay for the full one, okay? All right. So do that, go through that.

Also, you guys just need to go through our budgeting program together. Go through it together, take the quiz. Same with the new debt class. Go through it together. Take the quizzes so you guys are on the same page about debt. What is good debt? What is bad debt? How to get out of bad debt?

How to utilize debt in a good way. How to budget. You guys will make the budget together. You'll take the quizzes together. Are you willing to go through this together? Both of them. Yeah? Yes.

Together. Together. Not individually. And then you'll take the investing class as well, which I highly recommend, and it will tell you not to do what you've done. By the way, all three classes are bundled together for 25% off. Check them out. Okay, so the student loans are 45,000, 542.

What did you get? What was your degree? When did you get it? Where'd you go? I didn't finish, but my intention at the time was to get a four-year's bachelor from criminal justice from U&T and Arlington. This was expensive. How many years were you there?

About three, three years. Okay. were you in state? Yes. Yes, I took all the actions. Did you borrow this for apartments and stuff too? Yeah, at the time I was... Yeah, there it is.

So are you making payments? At the right, at that moment, it's a forbearance $0 a month. Why? I believe it picks up next month. For what? What's the forbearance? You requested a specific forbearance? Actually, no request it.

Well, what is it? It's, um... Did you get yourself on a payment plan of income-based repayment, even though you guys will now don't make a terrible income? Yeah, at the time, the income, was very low, so they gave zero. You were on an income-based payment. Okay, a lot of that is on pause right now because it's been challenging courts.

So you might get fucking. You might not. I don't know. Payments will probably start. What will your payment be? Do you know that it said? Add them all up. Each individual one has showed that start date and end date, and it was $4.88 a month for everything.

That isn't a lot of income base. That sounds about right. 10 years. That's traditional payment. But hasn't started yet. It's supposed to start next year. No, no. I get that.

Well, when was school done? school's done or when was last time you're in school oh um five years ago six years ago okay you may have done i don't you don't i don't have the statement so i can't see what you did but no that's a traditional payment plan it sounds like k do you know what the interest rates are along these they all say zero but the statutory ones say like four eight five i've seen those numbers that sounds about right credit collection service of what what was so's a collection charge off What? 4.73 for what? I couldn't tell you.

When were things going into collections? That was. Well, someone pull up their credit karma for me because this is, I don't know what the is. There's no information on this thing you guys gave us. I tried that they were, that was a big mess, but I have an Experian, which shows. Fine, I'll try to navigate it. I haven't used it.

I can help you navigate it because I've been trying to figure it out for him. Yeah, that's right there. It's loading up. Well, this is for my banking app, and then this is the Experian. Oh, there's so much here. For f*** sake. Oh, for f*** sake. None of that's mine, by the way.

I know. You have no debt. Your credit's zero. You can't qualify for like a mortgage to save your... How are you going to get a mortgage, buddy? No way your credit scores any better than when you qualified for this loan. Anything, it just brought it down because your credit age is less. That's why I want to save as fast as possible and get all this done quickly.

What are you going to... Well, save and pay off debt. Oh, okay. I'm going to say, because you know, Fort Worth, you're not going to save to get a house in cash. Collections, credit collections, Allstate. Why didn't we pay Allstate? That was an insurance provider that was charging us a crazy amount. And I paid my bill and they think I didn't.

And so I just left it a little. Well, what does that mean you paid your bill? But they think you didn't. They're telling me all more. And I was like, I know I didn't. And you're willing to not be able to, you're willing to get a 25% interest rate to not pay one time 473. Even if you got, isn't that worth saving thousands? Yes. And at the time, I just didn't care.

And we could still do it now. You could have done it a few months ago. I know. When was at the time? When was this? Uh, three years ago. Right on the time you and I moved to Bridge, um, Bridgeport. This has been three years. Okay. Ambit energy. Did they get charged as well? Something you already paid? A little ambient energy. Most of that is ancient history. Yeah. Cool. What happens? Man, I cut. It's been such a long time. Um, I think I was living on my own while trying to finish on my senior year in high school. No, it wouldn't be on your credit, buddy.

Well, it was a lot. I'm trying to think. If it was a long time ago, it wouldn't be on your credit. It falls off in like seven years. So at least six years ago is when that happened then by that. Was it with your ex-wife? Yes. Oh, no, no, ex-goy.

You have an ex-wife. Yes, I have an ex-wife. Yeah. Okay. Was there kids there? No. Thank God. Any almonia or anything?

No, sir. Nope. Nothing there. It was not a fun breakup, but it was clean. Fair. This is weird. Let's be honest. Who here actually gets a good night's sleep?

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So that's collections you already had. You had collections of an apartment in 2021. Yeah. That was the breakup I was talking about. You just don't pay bills. I got bitter, and I just didn't care. But it f*** you. Yep.

And then charter. We didn't pay internet. How much is that one? 2.35, which by the way, even with your past income, you should have been able to pay these off and just, you could have improved your score by 100 points paying these three off. I don't get why. Maybe a 50, 75. My name, because you've got all these debts with all these other places.

Sounds about right. Wait, what? What, what? The electricity's in my name. Because of this? Yeah, they wouldn't accept me. I'm like, okay, let's just try hers. And I didn't, we're looking to it.

Which I should have. I didn't. What are we doing, guys? the conversation at the beginning was about how you are taking charge to pay off your debt and do all these things I see no debt being paid off I'm confused what is how has your care how many have you cared about paying off debt apparently because nothing's happening well it's started since I started watching a show honestly okay when did you start watching the show couple months ago okay then you're not listening to the show I don't see in these statements any debt payoff

Yeah, I just I want to get into a point where her and I are on the same page about this and obviously we're not. I'm just, I'm okay, move. Fine, fine, fine, let's address, let's address that. What can we do to get on the same page? What do you care about? What, what, what do we want? When do you want a house? How about that?

When do you want a house, huh? Ten years. Preferly five years. Okay, all right. Gotta have realistic dreams here. Five years, if we really just kill it, we could do it. But according to your debt, no, we can't. Are you not willing to kill it to get to five years?

I don't know if we can't yet. I don't think we'll be able to because while my job does bring in decent amount now, it's not forever. Eventually, my brother's going to go into a home. Why is he? And when is that? We don't know. There's years long waiting for group homes right now, and his mother didn't do anything. So now we're kind of playing catch up.

Okay. Yeah, it's kind of a mess situation, but the cleanup is going to, we're thinking about a year you might have that, maybe a little longer? Hopefully two years. Something like that. Give me time to actually build a savings. Yes. Okay.

So can, but we agree we want a house. Yes. Yes. Okay. What is the sacrifice we're willing to do to get the house? Can we agree on that? What are we willing to sacrifice? What kind of lives are we willing to live in terms of needs, wants?

Where are we? Where is our minimum that we're willing to essentially come to? Well, I don't have much to sacrifice. Okay, hold on. You're the one that's begging for money to spend, though. For necessities. No, you were saying. Once in going out and living your 20s.

So we need to establish what are our minimums. We need this. I'd say probably between both of us and like family fun, I'd say probably we can cut out subscriptions. We can cut out. You can cut out all subscriptions. Yeah. Every single one. I don't use any of them.

Okay. Cool. I use one for podcasting, but I cut that out. And as far as other things, as far as the bills. the bills are probably going to stay stagnant, obviously. But I can cut that out, which will probably save us at least $100 a month of subscriptions, at the very least. And then the whole eating out stuff, we only eat out.

I want to eat out maybe like once a month. You eat out daily for work. Oh, that's not true. Even going to Costco and getting a hot dog is eating out. For $3. Doesn't matter if it's $3, $3.3 adds up. You can get a packet of $5 and have like $10. I make you lunches and buy.

put them in the fridge, you just don't grab them. Yeah. I am bad about that. She'll make me stuff. Well, why? I just forget it. Set a reminder. What?

There's so much available guys today. We can set reminders. We can make sticky notes. We're not in, I don't get this, these basic things that people just fail to ever problems off. I get forgetting the first time, but you forget it the first time you problems off. Okay. We don't live in 1500.

Yeah. I'm so confused. We did get a Costco remember. to help out with bulk buying to maybe reduce that. What am I seeing here? USAA federal savings $8,000. Is that the loan against? That's a vehicle that is in NALA collections.

Oh, for fuck's sake. Before I met Kayla, I was spending left and right on mainly just a fast car and booze. What was the car? It was a 2014 Ford Mustang. great. It's highly modified. Sure. And it currently is sitting because it no longer runs.

In your thing? Yes. It wasn't repoed? No. No, it wasn't. They just sent it to collections before they tried to get anything from it? They haven't tried to reach out for that or anything. How long has it been in collections?

Three years, probably. Okay, so that's going to f*** us for a long time, especially if you're trying to get a house. Okay. Right now I'm in the process of, My friend showed a great interest in it, who is a car guru himself, and he's wanting to pay me for it. But I have to make negotiations with USAA to, you know, let him pay for it because the last communications had with them. They said, we can't transfer it to anybody's name.

That was four years ago. Didn't you get like an inheritance, though? So I'm not mistaken of scanning your notes before this. Yep. I, um, and that couldn't pay for any of your boozing. And when did you get your inheritance? And what was it? What even was it?

Yeah. paid for all of it. Oh, how much? And when? And for why? Yeah, my father passed away in 2018 of April. And he's, he's better now. But, uh, he, uh, he passed along $138,000 to me. What happened? Wrong people around him. What? Well, right after that, I discovered adultery in my first marriage and that, discovered adultery as in she was diddling or you were deadling? I walked in on her diddivin. He walked it. Did you join? That's it. Sorry. You went through a bad time. I shouldn't joke about that. But no, I walked in on that and there was an aggressive divorce with that. Luckily, neither party took money from each other. It was a clean sort of

divorce, but the way it happened was awful. That threw me down a really bad spiral. Yeah, yeah, yeah, yeah. Of, um, making really bad decisions. Sorry. It's okay. No, no, no, no, take your time. And believe me, the only person that doesn't forgive me is myself. Sorry. Okay. Why are you so hard on yourself about, about your past? Your past is your past, man. I have so much in life. And there's issues right there if you'd like some. I f*** up so much in life, man. But what defines me?

Who I am today, what I'm doing today, or what happened a few years ago, you know? You learn, you grow. It's the human experience. I understand it's also a human emotion to always dwell on things like that. But what happened with the inheritance? It all got spent on that Mustang you're looking at, even though it's not paid off. Really? The modifications for it was the big, big.

It's been a hundred. Over 100,000 hours into a Mustang? A lot. Not just a Mustang. Boos, going out to eat. Not having a job. Oh. No.

Okay. So we weren't replenishing it at all. We were just using it for how long, over the course of how long? Year and a half. Before he met me. I met him right at the end. Because right around the time, I was a full-time student at UT. And, you know, when that whole divorce.

happened, I got, uh, I got crazy. Well, my father dying and the divorce following, just threw me into spiral. Wait, I have a capital one also in collections. Yep, that's the other credit card in collections. Okay. The 8,000 for that Mustang and then what was that seven something? So when did this go into collection, 7,134? Last year.

What happened last year? We were together for a long time at that point. So what happened? It was not last year. It was 2023, the last statement. You got that while we were dating. We were not married when you got that credit card. Oh my gosh, we can't even a gram fucking timelines.

It started. That card was... Why don't we're just paying minimum payments on this? It's credit card. It racked up really fast, and we racked it up really fast. The minimum on this was probably what, like 75, though? You could have made that? I think it was 250.

Oh, really? Really? Okay. It really depends on the credit card. I racked it up really fast in about a month. What? Well, you were together. We weren't boozing, bed hopping, doing whatever. We were going to a place called Texas Renaissance Fair.

It's in Waxahatchie. For fuck, like, what? Okay. What we're going to? What's going to? That sounds we were repeat renaissanceing. Yep. Well, of course, I have one.

What, is this like a 24-hour renaissance, 365 days a year? It goes for two months every day. How many fucking turkey legs gets this? I wish it was turkey legs. What were we doing? The first day I spent about $3,700 and $1. On what possibly. Garb, weapons.

You guys were together. You didn't care? You didn't care? How do you guys not care? I got drunk also. Our finances were not put together at that point. Did you even know what you were doing? Well, I was drunk, so part of it, yes, part of it, no.

I don't think you can drink. They have a lot of meat there and I got crazy. Yeah, good. And then afterwards on those payments, I got, I got angry with it. Okay, you can't keep doing this because that has been a recurring story throughout. One, you get angry that she doesn't understand and she doesn't spend so you don't include her and you make a hardline decision and then it doesn't even happen anyway. You get angry that something's in collections, oh, I'm not going to pay it. I'm going to fuck myself.

You get angry that there's a credit card bill that I racked up. I'm not going to pay myself. You get angry that a car is not working, so I'm not going to pay it. You know, this is not how this world's going to work. What are you going to do when you get angry with the fucking kid? Just going to, like, walk away? Like, this isn't, this is a reoccurring thing throughout your life. And it is not going to result into any positivity.

Because look, it's just fucking you. And then what happens? Your car gets sold, so you need to go get a car. And what you qualify for is a 25% interest rate. And it just made a salesman life. Stop being so emotional. Huh? I need to stop being so emotional.

It's not about emotion. It's about the action you do. I can be an emotional person too, but that doesn't mean I go out and fuck my life. There's nothing wrong with emotions. Emotions are human and natural. Listen to my voice right now. It's all emotions.

But I'm not like destroying my life with it. Your inkling is to walk away and give up. That is not going to be, okay, if it was just you, sure, why not? die in a pit. But now you have a kid and you have a wife to take care of, okay? So it's not about you anymore. You can't do it anymore.

It's time to man the fuck up. And even if you don't like it, you got to deal with it. I've tried telling you. And why hasn't that come through when your wife tells you? Well, because he just doesn't listen to me. You'd rather listen to somebody else who tells him

what he wants to hear. Who? Who's telling you that? Friends. Male friends. Try and tell me to be the powerhouse or the house. Powerhouse of the house. You're walking away from death. That's not being a powerhouse. That's not being a man.

It's not being an adult. Yeah. Yeah, I just. There's no excuse. There's no excuse. I just. Then how do we prevent this in the future? Because this has been a recurrent thing over at least the past six years.

I mean, I have a suggestion. And? Include me in it. Let me. mediate, hey, maybe this isn't such a good idea if we only have this much for that needs to go towards this. Let me see what we have so that I can put in at least some sort of an opinion, be able to help out with, hey, I know you want this, but you know what, maybe that should go towards this instead. Yeah, but we didn't do that for the last four years now.

Why? It's the most recent. So you've been there for a while. Why? I have never been able to see the savings and known exactly what we have without asking you to send me a screenshot. Okay, so I started doing that because we were living about four years ago living in Bridgeport at the contractor job. I was seeing, just realizing after a year being there when we were saving a dime. And so I started looking and then there would be times you should go to the grocery store wanting like $400.

Whether it was needs or not, it freaked me out. And so then at that point, I just made a decision to cut it off. Do you feel like you're being controlled? Sometimes, yeah. Do you feel like a wife in this relationship? Most of the time, I feel like a daughter, and I've told him this. All right. Let's be real for a second.

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Your wallet will thank you later. This is a paid endorsement sponsored by Money.com, which is compensated by its marketing partners. How long have you been telling him this? Since he put everything into savings. When? At least a year, probably. Why have you done nothing when your wife comes to you and says, I feel like I'm your kid that you've...

Um, I'm just scared to death. I'm terrified of doing... So you walk away. Yeah, I'm scared to death of repeating, but I did what you're saying there. Wouldn't including her help? Wait, why is her being able to look at things repeat your f***ups? That doesn't make sense.

Yeah. just, I'm just petrified. What? That's what? That did not answer my question. How does her be a part of that? Repeat your mistakes. Oh.

And also, you're borrowing against your, retirement to replace your wants that you lost. You are repeating your mistakes. So, how, how is her being able to look at statements? You repeating mistakes?

That doesn't make sense. We wanted to get new furniture, but, I mean, I did suggest getting used furniture at first, but then. It's a good. start. She was saying, oh, no, we don't want

to use because we have a baby and we'll make sure it's all of you. What? What's wrong with baby? Clean it. Certain things grossed me out, but I know I should have just gotten over it. Dude, wealthy neighborhoods. Facebook marketplace, wealthy neighborhoods, they just get rid of everything for nothing. They just want it gone. I was more worried about getting a couch that somebody

did the dirty on. Did the deed on. Well, people have stuff everywhere. You've been in bathrooms that people have had. It doesn't, who cares? As long as they're nuts not everywhere, it doesn't matter. That's the thing. It could be all over that couch. Get the couch cleaned.

It's cheaper. Get a bunch of used furniture to fill the place. Have a cleaner over one time to deep clean everything. And I guarantee you that it's cheaper. New furniture is so beyond ridiculously expensive. We got it for cheap because we went through. What? That's probably not going to last.

What is it? Classic. Three-seat recliner for about 800. That's cheap? Oh, three-seat recline. liner. So, okay, 3C, 800. Okay. Yeah, I can see that. It's kind of on the mid. A LFC that matches it for 600. A new bed, new mattress, king size. Mind you, well, we have a 25% interest card. Okay. That was for about $750 for the king size mattress and bed frame.

And bed frame is not horrendous. That one's not horrendous. And we got a six-seater table and a bench, so four chairs in a bench for 600, but they refunded us by 50 of it because they were real late on delivering it. So that's good. That's good. That's good. I don't think it was the, the couch, you could have gone cheaper on that end with used. You could have. And you probably could have got something nicer.

And some kitchenware as well, knife set. It's certainly not the most expensive furniture stuff. So this was our big disagreement. She's not allowed to look at finances because you guys got cheap new furniture. No, our biggest disagreement is the eating out. Why do you bring that up? What do you? Okay.

What about it? DoorDash. I have high disagreements against. You said, you haven't dooredashed in three months? I'd say less than three months. No. What is our disagreement?

He's holding that when I was freshly postpartum, I wasn't able to get up and thin for myself and cook for myself, so I would doordash food to me in order to eat while he's at work. That seems relatively fair. Not if it's $40 each time. Hold on. I mean, you could have also just been a better husband and had meals prepared for someone that got...

You know, f*** up. Yeah, I mean, I made sure groceries were full and, you know, most of the time. But I could not cook for myself. Like, like physically you could not. I'm taking your word on this. If I stood for too long, I was an excruciating. Well, that was only for like the last two months of it before. About the first seven.

What do you? Well, hold on. Two, wait, what? But for the last couple of months, yes, she was bad. Oh, postpartum. Oh, postpartum. Okay, I'm sorry. That's when I ordered a lot of DoorDash because I couldn't get up and fendip.

for myself. Wait, when was postpartum done? Wait, it is seven, right? Ten. It's ten? Okay. Yeah, he was born in December of last year. Oh, that sucks. Christmas birthday, that sucks. But no, it's just, she has slowed down, but initially it was a lot of DoorDash, a lot. What is the issue here? If there's not DoorDash anymore, I'm confused. And I'm myself. The whole time we've used DoorDash is when you wanted food, and so we ordered something for Me, you, and our two friends. What are we talking about?

If there is no DoorDash is what you said, then what are we even talking about here? Didn't you order DoorDash like a couple weeks ago while working? No. I eat what's at my mother's house that she ordered for us. She'll call me and say like she's real tired and doesn't want to cook, which I'm like, okay, and then orders $35 a door dach, but now she's denying it. Do you cook?

I can't cook. Why don't you? Well, normally. Now, what is this? I have another savings thing in collections. 7,451. What's that for? That is the USAA credit card I had before me.

That went to, that went to collections before. Okay, so it's just a lot of collections. Are we surprised your credits? Low? No, I don't think so. An employer loan. Yep, $6,000. Now, what is the interest rate on this loan?

10.5%. So, all peers and downers, combine, as that if you competing with the S&P 500. I open up my brokerage, Mumu, and I do this like a couple times a month. I go in there. I buy some S&P 500. Up your status combined 10%. Some of the total return?

Yeah, so you're fucking yourself. You're not even making a difference. If you're making a difference, we could have a conversation. What's the point? So you're taking out a 10% interest is worth all the shit you got? What did you get? I need to know what did you get. All that furniture we listed?

Well, no, no, no, no. You said you lost. What did you lose that you had to buy? Well, we actually lost and got rid of a lot. We purged. What did you lose in the move? You said you had to replace things that you lost. What should you move?

We lost a TV. Okay. Come on a bucks. We don't need luxury. Some breast pump. Breast pump. How much is a breast pump? I've never breast my pump.

$150 for a... Okay, we're not adding up to $4,000, guys. What did we lose? Oh, hold on. Hold on. Okay, so the majority of that money went to actually getting into the apartment. Because my credit was so low, they required. Oh, for the sake.

Yeah, they required a month's rent fee. You guys were in an apartment before, correct? No, we were at our in loss. Then save for a month, for fuck's sake. That's what we tried to do. But? The last two months we saved. But?

Previously we didn't. But? All of it went to getting into that apartment. Most of it went to. Then do another two months and save. I'm confused. Yeah. Guys, we're not barring at 10.5% against our retirement if we can not,

f-th-ing. We're not moving into an apartment if we have to borrow at 10.5% against our retirement. That's a basic rule. How about that? I wanted to say longer, but, you know, things were. My special needs brother was moving in and we didn't have a room anymore. Things were, yeah, getting a little spicy. Have them sleep between you guys.

I don't know. No. I get that. That is an actual, that, that is a fair point. Yeah, that's something we, that does, that puts a, that puts a timer on it. Everything is easier said than done, but there are solutions. People who give up or just accept the expensive thing, 25% interest on a car, is someone who just didn't put in the work to find a solution to get creative. Someone who says, oh, I just forget my lunch every day.

Dairy Queen, C, C's Pizza, Crunchy Roll. Come on, guys. I thought we, be done with subscriptions. Winning, got some B.S. from gas station, Charlie's Philly Steaks, gelato, two hands, prime video, cash happening out 20, cash happening out 13, cash happening out 36, prime video, Zelen out 12, Amazon Marketplace, Amazon Marketplace, Zanlon out 500. We were paying my family $500 for utilities that we were using while living there. So 500 bucks a month.

What happens this kid while you're at work? He goes with me That's right, because it's family Yeah PlayStation Network We don't need it While we're trying to survive Oh that's my camera

Zellian Out 100 Waterburger Door dash T We door dash T Wait door dashed Ding Dee Ding Dee Oh that's the Chinese player

Sounds Chinese to me Oh Okay I know what that is Yeah Amazon When in a grocery store I got some BS It was only $2

Probably energy drink Something like that Amazon Sonic Drive in City Smokes Who's trying to die before the kid grows old Me Stop! What are you smoking? I vape And guess what? Did you do it well that it was in you?

No. Then you can probably not pick it back up instead. I picked it back up. No shit. I just had someone on who's vaived Since she was in her early teens the other day Yeah, she lost a lung. Episode hasn't gone up since we recorded this.

Lovely. Yeah. You want to do that? Want to lose the long? Kind of necessary. We like breathing. I'm going to stop. I just,

I'm not ready to stop. Okay. Then stop. Why? What? I enjoy it. I don't want to stop. No shit.

You know, I enjoy popping sets. I probably shouldn't do it. It causes scars. I need to pop this one. I don't do it because it costs the scars. I want to go get five guys after this. It's not like I'm in great condition,

but I could get fat as f***. I really did what I wanted to do. All right. So just because we want and we like means we don't stop. I don't get a stop. If you know you can 100% stop, stop. It was really hard to stop, but I can try and stop. It was, but you did it.

And you did it for your kid, right? Yes. Do it for your kid again. They're going to see you smoking. What's going to prevent them? I do not want him smoking. I don't want him to get addicted like I am. Uh-huh.

And maybe stop. I'm actually in the process of stopping myself. Oh, for the sake. Yep, we're both. There's flutes. What is we're in the process? I have these tablets and dissolving in my mouth. It's like a 12-week program.

that Costco sells. It was like 46 bucks. Why don't you try that? I've never heard of this. Well, why don't you try it? I tried. And? It made me vomit.

Too much? Yeah. Well, yeah. Too high concentration at the beginning? Yeah. Okay. Can you start half? I don't know if they have, because they're like mints.

Well, they have tablets and they have gum option. Talk to a doctor, see if you could probably talk to a doctor and get something different. It just seems like the gum and mints are more expensive than the vapes. It's not about expense here. I'm not talking about expense. I'm trying to just get you to survive. We do not know the long-term consequences, but again, lost a lung the other day.

On the show. Vending machine, vending machine, vending machine. Vending machine. Who's going to the vending machine every second? I don't go anywhere, sir. Stop! Jack in the box, Panda Express, Taka Bell, going and getting to BS. Maybe, who knows?

Prime Video. Again, movie rental. Door dashing Jack in the Box. That was not... I haven't had Jack in the box. Timo, Timo, Timo, Timo, Timo! What are you getting at Timo? Tumu's like five cents for the shit thing you've ever seen. What are you getting? Usually Christmas gifts.

We're in October. And this was in August. I spread it out over the year. So I can. Okay, what are you getting for Timo for someone? They have actually pretty good stuff. What are you getting? What did I get?

Like a little knick-knacks here on the other. there like gift boxes stuff like that WSS is a shoe place by the way that's right oh that's right those are your new shoes okay oh good you didn't have shoes right I had one pair that were falling apart one pair only she only had one pair I mean one shoe shoe yes but as far as the whole collection there's a little there's quite a bit no like maybe at least seven one pair of tennis shoes tennis shoes yeah the tennis shoes have were you starting to play tennis no but all I have are like cowboy boots and those aren't exactly comfortable to walk in okay okay okay Okay, okay.

What the fuck? I'm getting from Timo. It's a lot of money to spend on Timo. More than anything, like decorations for... Decorations, Christmas gifts. Right. Yeah, you're funding the entire Chinese Communist Party. Aldi.

Cash out $60. Cash out out $55 bucks. Cheesecake factory. $148. Kill me now. Yeah, that was... Car wash. Great.

You live in Texas. You're fine. There's no stone. There's no salt. There's barely any. Andy dust, okay? Come on. Is that from recently the car wash? That was in August.

August, end of August. Then cash apping out $5. I might set you guys up with the financial advisor at domain money because they just have more time than I do. I personally use them. They're great. And you guys can just sit down and talk about your goals with them and they can really map it out more than what we have time for. I might set you guys up with an advisor with them. They're great.

I highly recommend. But I want to get a budget and then we can see what life might look like, what we might be able to sacrifice, what things could be to get to some kind of goal and what we can cut back on. What's the rent? 1780.

Oh, good. That's with water and all that. Oh, that's all utilities? No, that's all these. It's just water and trash metal. Everything except for electricity. What's electricity? 250.

No. Well, we just moved in, but that's what I'm predicting. It is projected to be between 158 and 175. 175, I guess. What, what, whoa, whoa, whoa. We just moved in at the beginning of October. We haven't gotten our first electricity bill.

Oh, I was trying to highball it a little bit. All right. Student loans are starting again for you. And then we have the Honda. The Honda. The Honda. I mean Toyota. Toyota. So our debt minimum with the payments only on two deaths is 1,015.

77 cents great internet is that included in rent no that's 50 come on guys you said everything okay gas room room drive drive if a full tank lasts me a week it takes 40 bucks to fill up i'd say like 230 to be safe car insurance is 207 okay TP fund anything else needed to survive this is for your makeup this is also just for like the kid needs anything this is for whatever whatever whatever I'm going to give $150. Okay. Groceries. This can include like diapers and stuff as well.

Preferably TP fun, but I think we can meal prep. We can do things with the kid. I think we can do $750. Follow our meal plan. Tweak it to your needs in the budgeting class. Medical co-pay is anything? No. I think giving birth, our co-pay at the end of all of it was $200.

You paid it? You paid it? Jim? Is there a gym? No sense. Pets? Two leopard geckos, but I breed my own worms to feed them. So they don't.

Breed worms? The meal worms. That turn into little black beetles. You just feed them and they, endless food supply. Okay. Okay. No subscriptions. No pet insurance.

No medical. Phone bill. We had just done. recently and got a better deal. I'm paying 44 a month for everything I need. Just you? Yeah, just me. It'll be 88 a month for both of us. So 88. You owe on the phones? No. No. Could do helium. Same towers as T-Mobile. 15 bucks per line. $4,445. We make $6,000. I'll give you

$250 for fun money. There you go. Right? Is that okay? Okay. Will we live off of $225, $250 of fun? Yes. Okay. I was okay with $100. I don't need that. I don't think so. Have you guys seen your spending?

Lie to the wall. $4,695. 77 is what you guys can spend. You bring in $6,000. $1,304 left on a monthly basis. Should be the easiest damn thing in the world. Okay. So if you actually align on your goals and actually fucking do this shit.

First of all, do we have anything in savings? You know the answer. Again, I can't see it. 300. Okay. Should also probably mention we had to take multiple trips to Amarillo. Oh, yes. Yes.

My, uh, part of that's... What? My grandfather passed away and not too long ago. So we had to take... I'm sorry. I'm sorry. Gosh, lots of sad things in this one. I'm sorry.

I'm sorry. That's really hard. At least we got to say goodbye. Three and a half months. Save up a one month emergency fund. Okay. There you go. then you guys have a bit of safety net in case anything were to happen to either of your jobs.

Yeah? Yes. Got it? Cool. And then we started attacking that stupid car. You can pay it off in a little over a year. You're saying just the car during that time? Yeah, it takes 15 months to pay off.

Go make more money or cut back on fun. You can do it quicker. But right now we are at a year and a half. Year and a half, we have a one month emergency fund and the car is paid off. Student loans, minimum monthly payments until they're paid off. off. After that, I would kill your other collections to improve your credit, except for the ones that are just about to fall off. And we can call that another year, just to be safe. Then fully for an emergency fund. We'll call this entire process three years. Three years. Yeah. I'm okay with that. Three years and I give you fun money.

Come on. This is so simple. And if anything extra fun money that isn't spent can just go to all. Oh, yeah. Actually, I would pay off your, sorry, I'd pay off your 10% retirement loan. Actually, so that's $8,000. Let's call this a three and a half year thing. Okay. Three and a half years, and you should be able to do that pretty easily. Well, once the debt is paid off, that's an extra thousand hours a month.

That'll speed up things. Yeah, three and a half years. Anything extra from, like, overtime or whatnot, just put. Yes, absolutely. You're kidding me? Make this become three and a half years to two and a half years, if you can. But, I mean, this is pretty damn simple shit. And I just start putting 20% each into,

retirement. You do Roth IRA, you do your 401k. And you guys will be fine. You'll live a good life. Yes, yes. And I do need a catch of my retirement. At that point, you should be able to easily live 50% our needs. And then what I would do, if the house is really a goal, maybe 15% for retirement,

20% to a housing down payment fund. Did you say 15% retirement? Oh, yeah, yeah, I'm thinking if we're really prioritizing a house and it sounded like we both want that. 15% to retirement, 20% to a, into a high-old savings account for a home-down payment, and then 15% of our income on fund. Okay. Until you get the house paid and then 50% of our needs, then 20% towards investing after

we get into a house and then you can have 30% on fun. If the house is that big of a goal. Okay. So this was pretty damn simple, guys. It's literally, this is what the issue is. And this is what you need to deal with, maybe with the family counselor or something, is you begging to spend more money is not working. You giving in

is not working. You taking full control is not working. And you not getting her involved in the financial conversation is not working. If we are on the same page of this, especially by going through the budgeting and debt class, if you guys are on the same damn page and you sit down and make sure that it went to the things it's supposed to the last month

and you guys adjusted for the next month, you guys will be fine. and you have one of the easier situations. We've had lots of easy situations recently because people are just... You guys are just f***ing your own lives for no reason. Spending in a budget, technically you made it, and you didn't have to go into further debt,

but more money should have been going towards that then was going towards funds, so I'm only going to give you a 4 out of 10 there because you should have been spending it in a big different way. That's me being generous. You have things in collections, and going against your retirement. So debt, zero out of ten.

Emergency fund barely started. I'll give you a one out of ten and be generous. Retirement, we're far against it. I'm going to hold it pretty far down. Two out of ten. And then you need to start. And real estate, we're not there yet, zero out of ten.

Where are we hammer financial score for today? We are going to be at a two out of ten. Make sure to stick around for the post show. We're going to talk about some extra drama and all that extra juicy stuff that either we didn't have time to get into or I don't know yet because the Poozer Roosters are going to come in and they know everything about you guys

so join the membership link in the description below make sure to check out all our courses bundled together 25% off change your life today see in the post show I would love for you to tell Caleb if I understand correctly what exactly you bought because it sounded wild what she just spent on garb

that bought me and her outfits together and it was 3,700 one day and got her a leather For the outfit's $3,700 for the fucking outfits. It's all handmade stuff. Why? Give go to the, go to, go to, spirit Halloween. That's what breaks down.

Amazon.com or Etsy. You're there for a day. We go every year and we go for more than one day. You're going to do a different outfit next year. To watch the financial audit post show, click the join button below.