Financial Audit - Crybabies Try To Cancel Me | Financial Audit

Episode Date: April 7, 2025

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To watch episodes of financial audit a week earlier, check us out on YouTube. Well, you can't afford it. It's literally not, no, no, no, like you can't afford it. No, like we can. No, you fully enable each other's bad behavior. 90% of the time, I have couples on here, and you kind of go at it because they have disagreements, things are really hard. No, you guys are actually even worse.

Oh, okay. You look like the type to cancel me. Download my new simpler budget app to date and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Hi, my name is Caroline. I'm 28. Hi, I'm Jasper.

I'm 25. We live in Tampa, Florida. And this is financial audit. Guys, thanks for coming over from Tampa. Caroline, start with you. You're the one right in front of me. What do you do for a living there? I'm a shift supervisor at Starbucks.

Okay. How much is that? like. What was my raise? 2217? I just got a raise. Yeah, Florida kind of definitely ups and flows pretty hard in terms of cost to live in Tampa. I'm sure it's on that. It sucks. Less. Yeah. That on that it's a little more expensive area. Okay. So what do you get what hits your account on a monthly basis? What did we say it was? 20, not 20. It's like 2,100, 200, 2,100. Something like that. For you. Because there's also tips, like credit card tips make it very, very, very. variable from each month. So 2,150? Let's say that. Yeah. Okay. Jasper, what do you do?

I'm a forensic case manager. Okay. What do you make? It also kind of varies because I do also work overtime, but it's around. Normal monthly income. What hits your account on a month of business? 4,400. Okay, so definitely more the bread winner. So how are we living in Tampa? How are things going? I would say a little tight, you know. Why? They're going. Well, $6,000. I mean, $6,250.

I mean, again, I'm sure it's one of the more expensive areas, sure. But if we're talking net pay of $75,000, certainly above the U.S. median household income by a decent amount when we're talking about your gross income. So it shouldn't be full-on struggle unless you're fucking up forever. I mean, mid-20, late 20. I mean, I don't want to say like full-on struggle. I think it's more so just like rent definitely is quite high. We've looked at a few different areas to try and go to. What do you mean?

Okay, so looking at a few different areas to go to. Cool. Why didn't you go there originally? Why did you sign up for a rent that would be? What's your rent? Well, the rent is 1890. That's basically a year in time. Yeah, sure is.

Yeah. Sure is. It sure is. So 1890. And then roughly like 110 in utilities from the apartment. Yeah. Yeah, I mean, your rent's kind of on that upper edge, but it's not, like, actually horrifically bad. It's not pushing you into a bad place.

So why would it be tight, fully tight? I mean... I have, like, $1,000 trillion in student loans. Like, if the rent is, like, 30% of our income net, like, you know, you're kind of on that teetering edge, but it's not in that we're about the vomit stage. No, and I mean, what I mean by tight is it feels like we have... like maybe $50, $100 towards the end of the month where it's like everything's been paid for. We don't really need any payments coming up. But if anything does come up, you know, we're in some hot water.

He's like looking at my format. No, it's me. I'm that one. Surprisingly. Really? 100% no options over there. That's okay. Okay.

So what are we doing here? What are we talking about? We got a lot of debt and we want to get married and we want to move out. I'm married. Not married. Oh, this is pre-marriage. We're in a pre-marriage. You guys are engaged?

Nope. Okay, so how many have you guys been? What, do you want to get married? When do we want to? No, you want to. Oh, yeah. Yeah, we want to be married or why aren't you married? We have no money.

Yeah. And a lot of debt. You can go to a courthouse. I mean, yeah. You can go to a courthouse, yeah, but it's like, I feel like we just want to be in a spot where it feels like we're more stable before. You're not wanting to get married until your finances are better. Is that what I'm hearing? Yeah.

It just changed things because we had our finances separate for most of our relationship. We've been together four and a half years. Yeah. Wait, wait, wait, did we sit down and say we are not getting married until we get the finances? What's the threshold? What have we decided? It's kind of just something that we just bring up. We'll be like, yeah, you know, we want to get married.

But then we also just start talking about finances. Okay. And how does that conversation usually go then? Well, it's just even the fact that like, you know, maybe when we do have a wedding, we would like to try to have like a somewhat nicer wedding. We want to be able to... You said you're good at the courthouse. Yeah, but it's just... Okay, I wouldn't mind like courthouse, like for actually getting married.

But then like... But then like a ceremony. But why don't we get married today to get the tax bennies? I mean, you guys are together four and a half or whatever years. Like, you want to get married? Yeah. What do you get married? You know someone?

You're going to officiate us? No. Just go to the courthouse, dude. It's okay. So, again, you started talking about money. So what did you discuss then when it comes to that conversation? So when we had our stuff separate, I didn't let on how bad my finances were. He kind of wasn't.

When? Like, for the first two years, he didn't really know. First, like three. But you said you didn't. Like, he thought I was better off. than I was at the time. He was like, she must be fine. Why would he think that?

Because we were going out to eat all the time and going on dates all the time. And he didn't talk about money in the first two years of dating? Well, there's a little... You keep looking at the camera? Oh. Oh, yeah. Get used to that. His laugh.

That is why laugh? That is why. That's exciting. Yeah. Why do you look at the camera? Not me. I don't know. This is just you and me.

Show this people watching, but it's just you and me. They're not there right now. That's fair. We're just talking. It's us three. Okay. Mainly the reason why. I thought that she was in a better financial position than me is because we both were working at Starbucks when we started dating, but she was working as a shift supervisor.

And I always had it in my head, you know, well, her check is bigger than mine. So if we're going out to eat and she's telling me that everything's fine, then it must be. So you were telling him everything's fine. Yeah, fully. So we did talk about money in terms of the way of like, how are you doing? And you're like, everything's fine. So why did you mislead? I don't know.

it was embarrassing because like I wasn't always bad. I know everyone says that, but like I wasn't always bad with it. And then all of a sudden I was and I didn't. What was all of a sudden then? I just like one day was like, damn, like I don't know how all this happened. And at the time I just like was scared and I didn't look into it. You know, like I was like. Yeah, but what happened?

I just, I started like buying myself things. So go back in time. I was in a relationship for seven years. It was really, really horrible. What the fuck? You're like high school? Yeah, we, so we met in eighth grade. He dated my, my best friend, actually.

It was, there's a lot there. I can't go into all that part because it took too long. Well, that's fine. I don't need to know. But then in sophomore year, we started dating. And then we were together until 2019. So you're blaming the relationship. I'm not blaming.

I'm not blaming. I'm not blaming. No. Why did you bring it up? Because so he I'm getting there. Okay. Let's get there. He's going to tell my story that he wasn't even a part of.

I'm just saying there's there's reasons. There's reasons. So he was like the worst. He had, he was a drug addict and. What? And like basically anything. He was one of those people where it's like if you can have it. Like he needs something.

Sure. Like anything. Just getting clarity because you could. He could just be smoking a lot of things. Okay, okay. And like, I don't know. Then there was a whole thing. It was right before we moved in together, like literally a month before.

And would he agree with all this if I called him? I think so. Okay, because we are getting very one side right now. I mean, he, like, we ended on, like, kind of agreement that, like, we both were pretty, like, we were kids and, like, we did f*** up things, but, like, him more. so than me. What was your f***ed things? I mean, like, when you're being, like, and I'm not using the term lightly, when you're being emotionally abused, like, you start to act out in a certain way, you know?

Like, you do things that you wouldn't necessarily do if you weren't being pushed to that, you know? What were you pushed to? Just like, I guess you could say it's like being manipulative, but like not with the intention to, it's more like I'm just so desperate to, like, get you to care about me more than you know, like, I'll do anything for your attention, I'll say it. anything to get you to feel bad. Like, I just want your attention right now.

You did that. Yeah, yeah. So there was that. And it was just like I was putting so much money aside from like emotional labor and stuff into this man that like when we finally broke up for good, I like completely flipped to the other side. And I was like, I want to spend my money on me. I deserve these things that I was giving to him.

I didn't have any money for myself in the past. Now I do. So I'm going to buy like literally every single thing I want. Like my motto at the time was money is meant to be spent. So I spent it. Okay. Okay. And that led us to bad finances is what we're saying.

Yeah. Okay. Okay. And you hit that from him. The thing I, okay. That's what I'm curious about. The fact that you hit it from him. Yeah.

And I mean, that did kind of eventually come out. Yeah. How did it come out? Because I want to hear about this relationship. You know the one that's like real? Yeah. So we just kept talking about it more and things got a lot more serious. You know, we moved in together.

We had to really just plan on our finances, trying to think about like, man, where can we even live? Okay. When did you guys move in together? We moved in together, I would say like a year and a half into our relationship. And then a year after that is when really all of it came out about the finances. Well, because when we first moved in together. I want to know how it came out and what happened around it.

So we had a roommate when we first moved in together. And the rent, I had lived with this guy previously. Like he was my roommate and then all three of us. And the money always came out of my like rent fully came out of mine. And then he would send it to me. So like I was basically like in control, so to speak. Okay. So he didn't really know.

Like it just it didn't. Then how did it come out? When we moved in together. Hold on a second. After. After. Okay. Okay.

After that, we moved out. Do you even know how you guys learned about each other's finances? Maybe not. I don't know. We moved out separately. And we didn't have a roommate anymore. Yeah, I know. I know.

You know? And then we had to really just think about, man, what are we doing? Because at first it was a roommate and it felt a lot more like, man, we each have our own individual finances. We each are sending our portion to rent. We're all buying, you know, different stuff for the apartment. Okay. Now we have to figure out, man, how are we going to. furnish our all new place by ourselves, you know, and then we started thinking about like,

man, so how much debt are we in, you know, each of us? So you guys finally decided to have the how much debt are we in conversation? Yeah. Yeah. What, three years in at that point? Yeah. Okay. All right.

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Current pays you faster, won't gout you on overdraft. helps you build credit and actually rewards your savings. So if you hate antiquated banking, switch the current and level up your finances. Don't let your bank hold you back. It's time to move on. Yeah, that obviously might be a little too long if we're already living together.

100%, you know, in it. Yeah. You know, it was part of the issue, but like we can't go back in time about it. Yeah. Yeah. How did that go? It was a little shocking.

I didn't realize that it had, it was as bad as it was. I didn't realize that. her credit line was that much. Especially, like, from my mindset, my credit line was, like, at max, like, 7K. So I was like, oh, man, even if it's like, you know, she has, like, a maxed out credit card, and the worst it could be is, like, what, 10K? Yeah.

And, like, it's just embarrassing, you know? Like, obviously. It is embarrassing. Is it not more embarrassing hiding something from, at that point, recently long-term partner? Yeah. And it's, like, it's weird to even think back. I don't get it. line like liar.

I mean. Well, actually you did because he, you guys talked about money before and he, you essentially let him to believe that everything was fine. What I would say is I would be like, well, it's, it's getting close to the limit, but it's okay. You'd be okay with close to the limit? Well, she would explain to me that before basically she would do all of her purchases

on the credit card. So her bank account was typically, you know, very large and then she would pay it off at the end of the month. So from my understanding, or at least from my point of view, I was like, all right, you know, she has a large amount on that credit card,

but she's going to take it out of the bank account anyways. Okay, so everything's fucked. Yeah. We need to get it taken care of so that we will allow ourselves to get married. Is that what I'm hearing? And to move out of the state. And to move out of state.

To Florida, moving out of Florida. Oh, absolutely. Where are we moving? Oregon. That's a farm. Your job. your job is the more money job. Your job is easy transferable, relatively, relatively.

Are we going to be able to secure a job immediately? Well, that's another thing that I want to work towards when we kind of relieve some of our debt is I want to get my master's. Masters and what? I want to get it in medical laboratory sciences. Okay. What do you mean take care? Okay, because where are the priorities? Because all of a sudden we have marriage, we're talking marriage, but we're also talking moving, we're also talking paying off debt,

probably have to throw an emergency fund in there at some point, maybe even some catch-up in retirement so that we can have some time for a compound growth, especially since one of us is approaching 30. Okay, there's a master's to, like, where are we putting that in this big equation? I know, and that's where some of the issue is. It just feels like where we are with our finances right now.

I can't even think about, like, when can I possibly go back to school, especially with the degree that I want to go for, 16 weeks of that degree You have to be doing... How are we prioritizing that versus everything? I can't figure out a way to prioritize it. He does try. He'll try to have conversations with me and be like,

how are we going to plan this out? But the future really stresses me out, and I shut them down. What do you mean? You shut it down? I do. So what do you mean? Walk me through this. Like, he'll be like, let's talk about a however many year plan.

Like, this is what it's going to look like, blah, blah, blah. And I'll just literally be like, You refuse to have the conversation? Well, how the fuck will you guys get anywhere if you don't decide where you want to go and then you figure out what it takes in order to get there? I mean, you can't do that. That's just immature. I know. I understand it's going to be stressful, but you have to put through the stress.

It's going to be stressful forever. We want to be stressed forever. Do you have no goals? Do you not want to get anywhere? You can't lead a conversation like that, especially in a couple, especially in a potentially married couple. Yeah. It's just, it's just hard. I don't know.

It's like something in me. I just don't like to think about it. And I just don't. I don't know. And I mean... That's a bad answer. I mean, she just doesn't want... Okay, so what do we do here, dude?

What do we do? I mean, she's... And that's why, like, I try to do... I do try to push to have those conversations at times and... What is that, like, clothing underwear on your arm? Do you have, like, underwear for shirts now? Oh, absolutely. I have never seen a human wear this.

This is very interesting. It haven't been out much? Do I need to get on that game? Oh, absolutely, you do. The underwear for my shirt. It looks like my producers want to play... game, so let's see what this game is. Little game called

Oregon Trail. Financial Audit Edition. So you're moving to Oregon. Okay. Cool. We're hoping to get there. Starting funds. $6,430, right? Cool. Now, here are your, and that's your payroll that came in, and that aligns

with basically what you said. It was a little above what you thought would come in. But here's your categories. Here's where your money went. Okay. So this is what we're going to go through. We got Rent. Utilities. That comes with rent typically. Therapy. Car insurance. If you drive, you got car insurance. Amazon. Rats care. I don't even know what the fuck that means. Salon. guessing that one's for you. I don't think you've showered in a few days. Okay. You'd be surprised. Miscellaneous bullshit. There's this extra things. Just extra things. It could be, well, likely for everyone on the show. I was going to say it's vaping. Vaping itself is its own thing. So great. Vake. Vaping.

This lady is video gaming could be just going and just dumb stuff. Groceries, but we do have to eat, actually eat, and subscription. So this is what you guys are spending on these certain categories. So you need to make it in that starting funds. Because we can't hop on this wagon. We can't have on this wagon and leave if we don't have like, you know, under the budget. So we need to get under the budget. So what I need from you guys, you need to discuss for everyone.

what we spend on these categories right now in order to make it into this trail, into this wagon. Okay? Okay. And you're going to note it down. There you go. So go ahead. I would say the easiest thing to start off would be a rant.

True. Do you guys combine finances? Well, we have separate bank accounts, but we do... Yeah. Well, you aren't married, so... But we do, like, think of our... finances as combined. Okay. Yeah. Well, let's see how well we know the entirety of the household then if we're headed into marriage anyway. Yeah, rent should be the easiest one. It is consistent. 2048. Okay. They disagree on the rent. By $2. By $2. Oh, just by $2. Yeah. Yeah. I rounded up to

2050. You made a very concerned face to her. So I didn't hear your number. I thought I heard. I just heard a what the f***. Now, now we're good on the way. Okay. So 2400. Woo. We filled up that. You know, we're filling up real quick. All of a sudden, like, that's like, it's a third of it, gone. Yeah. Well, that's one out of you. The money you already spend.

Utilities. I mean, a lot of the utilities was included in the rent. So it's really just electric, which is like 110. Yeah, one 10. Okay. Average. Yeah. We both agree on one 10.

Minimum debt payments. Let's do that. So it's 500. But that's not the minimum. That's what we put. So this is the household. But this is what we're currently paying right now. Okay.

500, 150. I'm going to say somewhere around like 1,500. Sure. Sure. Like I wouldn't be surprised. Just to know. We are at 36.58. Yeah.

6,430 is It's our wagon capacity here. Yeah. What's your fault? 117? 117. Perfect. Okay.

My therapy is... 125? 125. Every month, right? Every month. And then my psych is 60. Oh, yeah. And then yours...

And then yours is... Including his own. So he's literally, right? My psych is 30. I can't do quick math. What was that? 90 plus the 125, like, 215? 16.

Almost a four. Ten away from 4,000. Mine. Mine's 109-ish. 109. 220. 5. 334.

Sure. I genuinely can't do math. 4,324. Veeps! Critical. Critical to survive. I mean, sometimes. 65? I think I think 60.

Add one more on there, I think. Because that's like, that's two, right? 70? 75. 75. Just in case. $75 for future lung cancer. That's great. 4,39.

Yeah. Halfway. Salon. You don't all print it up. 420? That's only like getting the... No, no, no, that's only getting my roots done, though, because then there's also a cut and also your cut.

Because you also go to the salon. Thank you. The cut's like almost 100. Mine is like 50. Yours is 50, mine's 100. My color is like 400. How often? And you guys are talking about it?

Six to eight weeks for... Okay, no, it's been like... 12. It's been look at it. It's been 12 because I was being good. But you gotta dump some hair dye. Some just food dye in our hair. We've tried to talk about it to see if there's a different way to go about it.

She's not willing to have a conversation about your future. I don't know if she's willing to have a conversation about her roots. I like being blonde. She does like being blonde. It's not a crime. You're currently white. Well, okay, a form of blonde. Excuse me.

Is white a form of blonde? I would say white is white. No, because you got to, you got to like, I'm going to say I like bleach it to yellow and tone it to white. I was about to say, well, I like being white. No. Well, Florida would welcome me back. Oregon would murder you.

Yeah. Yeah. Very true. Okay. So, 450, 150. 150. Just 600. Six.

Okay. But that's not every month. What you did, though. What you did? 4,999. Last month, I didn't, I don't think I got a color, though. So it's less. Let's say.

let's say 60 for eating out. For what? For eating out? Oh, 80. Maybe 80. More than that. More than that, for sure. Because it was March, so it has, like, your birth...

Oh, it's March, guys. It's March. It's March. The statement has half of March in it, and it's his birthday month. It is my birthday month. What are we... We are broken as a society, ladies you gentlemen. Birthday months?

What the fuck is wrong with people? Do you not enjoy your birthday? What do you have... Do you remember when, uh, you said the word birthday day day and we got the food on the day that's true

that's true what did you say birthday month I was just giving the context for the statement I don't know write your number right your number write your collective number put a hundred I'm going to say I want a 50 to be honest she's taking charge

yeah $5,149 lots of categories left yeah descriptions Like two-thirds done. 45. For what?

Because it was like 20 for Netflix and then Amazon Prime and Crunchyroll. What'd you say 40? 45. 45 it is. Okay. $45, $5,194. Amazon. Okay, Amazon is going to be quite a high number, but it's all valid things.

And I stand by that. I will go through and determine. I stand by it. And I will determine. I don't even know how much it would be, though, because it's the... Well, so necessary. It is necessary. It is.

So necessary. We don't even know how much we spend. I know what the items are. Then you should know how much you spend if you know how much of the items you got. Groceries. Groceries. 3.50? You don't think so? I don't know. I think 350.

I feel like that's low. Okay. There are like half these categories. You guys are disagreeing on how much of spent. Well, because I don't look at it. Why? Because we don't have a goal. So why would we look at it?

Because there's no goal to get to. So we don't really have to do anything. Honestly. It's a real answer. No. No, no, no. That is actually, I mean, that's real. If you don't have somewhere to go to, what are you sacrificing?

What are you trying to do? If you have nothing to get to. It's just hard to look at the statements. I don't know. Not like literally hard. Don't look at a statement. Download the fucking simple budget. It's automatic.

And I'm very excited for that. Thank you. You're welcome. You could have also had it already downloaded. I could have, but I just get it for free. Yeah, exactly. And I'm in debt, so. Guys, I just wanted to say an extra thank you for making simpler budget, an incredibly

popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version.

And of course, everyone that signs up for an annual version, at least for this next. next quarter. We'll get a Founders Edition, Simpler Budget Notebook, and it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget Now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler

budget premium annual. It's an investment. Well, yeah, but people get out of debt using it. It was smart. It was, but you could have been fixing your life by now. Yeah, yeah. So 400 for groceries. That's what I see right down?

Yeah, I'm going 400. You're going miscellaneous or rat care? Okay, last two. Ah, shenanious bullshit. But I also feel like this category will be inflated because I'm, I'm just a miscellaneous bullshed because I know like Target is kind of one of those like, but we live right next to a target and that's our groceries. Target we put usually in like a known shopping.

Yeah, but it's like almost always our groceries. Okay, let's see. So then if it's not categorized as groceries, the groceries should be lower and then miscellaneous higher. Oh, cross it out. I really don't think so. He disagrees. I'll do your free.

She takes charges. Yes, I am. Minus 50. 5,700. 44. Okay. Miscellaneous both. $200? Sure. It's probably a lot. I don't know.

I don't know. Okay. Last one. Rat care. That one, at least a stack is the problem. Okay, so we have pet rats. Okay, yeah, I didn't know if it was taking care of him or if you had them. So this makes sense. Yes, no, they are pets, and they're expensive. But they're very lovely.

they're worth it Well how expensive for rats My brother had rats They were awesome I do like them They're great Like a lot

Why? If you care for them properly Well I don't know It wasn't my Care that I had to do So How much I'm getting there

I would say Just put a thousand No that was the one thing That was the one thing That was the one thing That's what I said You know There was a stack

But there was no stack To be put into that category anymore. Huh? Like a stack of money. Like a stack. There was money. But we were out of money when it came time.

What did you spend on fucking rats? Well, don't be insensitive. They died. Two of them died. Well, I'm sorry. I'm not sure if you are. You're slamming the table. Well, because I didn't know.

What do you mean? I can't be sympathetic about something. I don't know. Okay. So rats only live two years, right? It's very short life spent. I'm going to get to it. You need the context.

Sure, sure, sure. You do. I like to avoid feeling bad. It's okay. It's okay. You can feel bad. I don't mind. Great.

From this position, it feels pretty good. So they only live two years and they can have a lot of health issues, you know. And there's not a lot of vets that, like, see them. Because they live for two years. Okay. You think things that have short lifespan shouldn't live? No, no. I'm not saying that, but it's like usually.

No, yeah, it's hard to find bets. They're specialized. Well, exactly. Yeah. And it just makes economic sense. Exotic, though. Yeah, they're classified as exotic, so they're more expensive. So they get a lot of health issues, especially when they're old.

And, like, I can't say that I wouldn't have seen it coming because, like, I've had rats for 10 years. So I've had my fair share of, like, money spent on them. So obviously, you need a random emergency fund. Yes, yes. Certainly did not have that this time around because. How much was spent. So the first one, his name was pretzel. He just one day just was on his last leg.

So we had to bring him to the emergency vet. That one wasn't bad. That was just 135 to euthanize. It wasn't bad, though. Like, whatever. I mean, like, yeah, it was bad that we had to. But like the money. Yes, yes, yes, yes, yes.

And then the second one, his name was popcorn. He was the sweetest boy. he one day he had just like a wound on him on his abdomen i'm getting there let me finish and i can feel his gaze um we were like that's a slur oh my god yeah i mean i think she's allowed yeah i'm allowed i'm allowed i love to be homophobic i'm so sorry i'm so sorry please for fucksick we're so close with the end of this game what did i what do i need to do Should you spend on fucking nuts? You said to not listen.

It's not. Tell me. I don't know. Hold on it. All right. So we got the 135 for the rats. And then went again for the other appointment. And that was the surgery.

And that was the like 900 something. Right? It was like $1,000. It was $1,000. You're breaking my focus. I need to focus. Okay. So it was like.

And then we took them back again. And then like $200. and then I'm going to say like... I think I'm going to say $1.35. I think I'm going to say $1,500. Yeah, $1,600, somewhere around that. We would have got there faster

if you genuinely just would have let me get through the story, to be quite honest. I disagree. It's very interesting, actually. I mean, a little bit, yeah, she does kind of restart the story. I restarted the story every time. Okay.

You can drowned in Snake River. It's done. Okay. Mm-hmm. Right? Yeah. For sake. Sake.

Well, To be fair, though, it was just because the rats, you know. Yeah, if it wasn't for the issue, if it wasn't for the issue this month with the rats. We shall we? We shall. I'm confident. That's an exciting laughter. Okay.

Rent, you said 2,480. 2,400, or sorry, you said 2048, 2046. We had the answer. Soft by 2. Yeah. We could have just cheated the whole time. Mineralty payments. $1,056.

Okay. So currently we're doing good. Yeah. Stay in a float. $10, $110 for the utilities? 151. Okay. Utilities, they're variable.

Therapy, $215.2.80. Ooh, damn. Okay. Okay. Wait, wait, but that might be because one of them got charged and refunded, I think. We'll see. No, I think you're tripping. What did you say?

117? Is that what I was said there? Okay, 106. So, made up a little ground there. Okay, doaks. Subscriptions, you said 45. 99. Damn.

Double. Still not enough to eat up the, make up the ground, though. Or still okay. So long you said 600. 156. Oh. That's all right. I didn't do the color.

I didn't do the color. Okay, right? We're doing okay. Vapes, you said 75, 125. 125. See, I told you. Add another one. Which is stupid.

But eating out. 150. 439. 439. Yeah. Yeah. That killed it right there. 3.34.

315. Nice, nice. Nice. Eating out, of course. Stupid. Miscellaneous bull. Said $266. Oh, okay.

Amazon 200. 333. 3.333. Well, they're all necessities. I will see. Groceries, $400. $253. Oh, okay.

Okay, but that's because the target probably isn't classified. $1,500, $13.97. We were pretty good on the water. I'm giving myself a pat on the back for that right there. I feel good about that. That is $6,822. And you're right, without the rat thing, that wouldn't have happened. Do we have more rats?

We have three more rats. We have three more. Then this is going to happen like once a year on average. Yeah. So it has to be prepared. But you're not able to move. You're not able to move to Oregon with this. Like how the fuck can we cash full of that?

Good luck. You'll be going to debt. Also, by the way, I'm being informed. That does not include the unknown shopping category. And that's typically Amazon and stuff like that. That is typically, well, Amazon we had in there. But the unknown shopping says things we can't really tell. It is like Walmart Target, like you said.

Oh, okay. That's an extra $1,000. 200. There are 1,0,021. No, but that's fine. Because Walmart is gas and groceries, and Target is groceries. Then you're spending a thousand. Spending way too much.

$200 on groceries. It's not just crazy. No, no, no, that's still absolutely ridiculous, though. I mean, yeah. You can't spend that much on groceries. We're hungry. It is, it is mainly the snackies. Okay, okay.

Also, like, not to be like that, not to be that vegan, that's, like, Like, I'm vegan, but like we are vegan and it's more expensive. That was totally valid for me to bring it up, first of all. I wasn't just being annoying about it. No, but the way you had to open it. Well, because I didn't want you to be like, oh, she's saying it like that, you know? Well, maybe it can't be. Oh, okay.

Well, you can't afford it. It's literally not, no, no, no, like you can't afford it. No, no, like we can. If we just are smarter about it. No, no, no, no, I want to be clear. Beans are cheap. Sure, you spent $12,000. Mm-hmm.

You brought in $6,4,450. to buy more beans. Okay. Yes, if you do it like that. But you cannot afford your current version of vegan essay. No, no. We'll buy beans. And I don't know.

I see it your way, but I feel like at the same time. How long have you been vegan? Is that why he hasn't grown past 5 foot three? How dare you? So I was vegetarian first for 10 years. I actually don't care. I was just trying to make a joke about him. No, I'm telling you.

I'm telling you. But I'm not going to let you. I was vegan. Guys, you will not leave until you download the simpler budget app. You will know. these numbers. You will know these numbers if you actually have this because it's automatic connections. Use the community feature in there. Keep each other accountable. Do all that. Use it. You get the premium version forever. Just like everyone, that gets the annual version of simpler

budget. You get assigned. Simple budget. Why do you mess it up every time? What do you mean? Like, I don't know. Do you just intend to do it slow when you say this part? It always, okay, I don't know. Whenever I'm watching the videos, it always seems like you kind of like forget the name of that. Forget it. I'm so happy to receive it. Thank you. I'm happy as well to receive it.

I was just curious. I wasn't even like. It is actually a fair question. Is it? A little bit. I mean, it is your ad. Yeah. You know.

Here. Ad app. App. Thank you. Thank you. Journal. Journal. Journal your financial progress.

So I will read it when you guys come back on. Okay. You also get a cookbook. We're going to have to mail it to you because they're not here. here yet, but they'll be here by the time everyone's out there as seen it. So everyone that gets the annual version of the simpler budget app gets assigned cookbook that we made. So there you go. Then you guys get that. It's not vegan? We can adapt. Because I'm not weird. We can adapt. Okay. So what is your household financial score? Zero. What do you think? Oh, well, yeah,

I've seen the show so many times. I know you're making pauses. Then you could have done the score like a normal person that does it. If you're working on weight management but are tired of the constant doctor visits and insurance hurdles. This is for you. With the fastest working GLP1 meds, you can lose an average of 15% of your weight and pay half of the list price with today's sponsor Roe. With Roe, leave the typical health care frustrations in the past. They offer an FDA-approved weight loss option manufactured by Eli Lilly that is not only affordable, but it's effective, and it's half the price of the auto-injector pen. And the best part, you can get started right from the comfort of your own home.

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Again, that is R.O. dot C.O. slash Caleb, go to row.com slash safety, R.O. dot co. slash safety for box warning and full safety information about JLP1 medications. Medication indicated with diet and exercise. You know, I set you up and you say it at the same time? Yeah. Why did you go from intelligence about, you went from financial audit, intelligent to financial auto retarded in three seconds. To be fair, that was all hurt.

I was waiting. My bad. I jumped the gun. Okay. If you want your financial... Hammer Financial score, link in the description below or go to Calebhammer.com. Let's jump into these finances. Discover it.

Who's this? Because I'm assuming we're not authorized users on each other's cards. Is that correct? Nope. Correct. Do we know what's going on each other's cards? Yes. Okay.

Discover it. That's me. Okay. What's going on? A lot. A lot is going on. Yeah. How about an actual answer?

I was getting there. Were you? You're always getting there and then you never seem to arrive. You don't let me. You don't let me. Jesus Christ. All right. I don't know if that's a good thing to.

Okay. Anyways. She just takes a little minute. She has a little intro. She needs to warm it up. So it just has a lot of money on it. That's what's going on. Yeah.

I don't know. Why, dude? Because I put a lot of money on it. No, okay. Honestly. Yeah, that's going to help you solve this problem. Yep. Why is there a lot of...

Why is the balance high? Why is the balance high? I was so tempted to say I bought things. What do you do? Listen, there's $283 of purchases on here, $369 minimum payment. I paid them off immediately, though. So the purchases. But no, no, it doesn't fucking matter if you paid just those purchases off because then...

And I paid more. Hey! Because with the interest accruing of $211,000, your balance only went down a couple hundred dollars. Yeah, and it sucks. I know. Yeah. I'm well aware.

That's by your choice, though. Well, okay. Your purchases were on there. The 200. The 200 was one of the rat things because we hadn't gotten paid yet and we were literally at the vet with him. What was I going to say? No, don't do the emergency surgery.

Yeah, there's also a $70 purchase at a restaurant. It actually isn't a restaurant. It's a subscription. I'm pretty sure. A subscription. What does it say? What does it say? Dropo?

Oh. What is it? You should watch it. Dropout is great. Yeah. What is it? It's like a streaming service. It's an annual subscription.

And it's for like, you know the people that used to do college humor? Yeah. You know college humor. Okay. Yeah. It's like them. And they have like their own like shows that they make and produce. You look like someone that would cancel college humor.

Okay. I mean, they're just funny. You should watch it. Okay. How long does this take to pay off? Only doing minimum with the payments. A hundred years. Without.

Okay. I'm sorry. I'm sorry. I'm sorry. I think so. I think that's what it said. That's without you purchasing on it, but you always purchase. I know. To get your special college humor subscription. Well, to be fair, it's not always. Not always what? We don't always purchase.

I don't believe that. The subscription is annual. Yeah, that was an accident. Yeah, that was an accident. We forgot about it. It was an annual subscription. We had got like a discount for the first time. I used to pay it off, as everyone says. but I don't know I think I never looked at it you know it was like

it was always like actually fine You know you've always paid it off then I don't have any late fees I've never had a late fee You mean you've made a minimum payment Now you've always paid it off No no I used to like in the beginning of having it I did look at it at that time

And then made you stop looking at it Being with that X And just having to pay for stuff all the time It was just very stressful and I didn't want to look at it I don't know Is everything everything ever going to always just come back to the X? Or is there any personal responsibility?

No, there is. There is because so I was giving the, I was getting there. So I used to pay it off. And I stopped paying it off as much. Can you like throw something at her next time she says that? I don't do that. I stopped paying it off as much because of that situation. And then when me and him broke up and I said I just like started buying myself stuff.

So then I really stopped looking at it because I was like, Like, I want these things. I couldn't tell you an actual number. When was that? When was that? Cool. You've had five years. What the fuck?

Yeah. And they, yeah. You've had five years, what the fuck? Well, I would say the issues came like after. I would say the issues came after too. They wasn't, it wasn't. What the fuck? Yeah, I will.

Five years. Yes. So. Of doing nothing? No. I'm not giving a shit. No, the five years is the fucking up. Yeah.

Five years is up the whole five years until right now. Because it is borderline close to being maxed out, essentially. Yeah. Yeah. So I think where it started to go wrong is what year is that? 2021 or 2022? What do you mean? When I started getting a bunch of squishmelas.

Oh. In reality, that started out in 2020. They'll know. The watchers will know. They'll look at me and they'll be like, yeah, she would have squishmelons. You're looking at me like I'm the weird one. Yeah. Because if you ever walked into CVS, you'd see Squishmelons.

That's true. Why am I going to CBS or Walmart? Costco, that's right. You never need a prescription. Costco's got the big ones. You ain't trying to get groceries for cheap. I go to H-EB. You guys don't have that.

No. But you have your own versions. What are you talking about? I don't even know what it is. Of a grocery store. We have Walmart. You have more than, you live in, Tampa.

We have Trader Joe's too. There you go. We go to Trader Joe's as well. They're sending me pictures. They're little plushy things? Yes. They're very cute. I'll show you in my collection. $25,000 plush you did?

Not that, not quite that much, but I definitely was going a little crazy. I wasn't, I was going to say I wasn't buying them like new. What's the closest you've gotten to paying this off the last five years? Have you? I couldn't tell you. I really couldn't. Because this is honestly, this is part of what pushed us to, like me, pushed me to fully be honest about my finances because.

What does being maxed out and then still being maxed out five years later? Yeah. Not not, well, obviously not that long. go, but it was like, it was getting really bad. How long has it been since you came clean? Like a year, a year, a half? A year and a half. Okay, so you've done nothing in a year and a half.

And you're okay with that. You're okay with your person that you're going to marry doing absolutely nothing about this, honestly, to be completely honest, insane credit card balance. No, it's bad. I was in bad debt. This is almost as much as my entirety of my multiple bad debts when I got out of debt. This is one credit card. This is fucking crazy.

Yeah, and it's not that, you know, I have. have an issue of like nothing happening about it. Like obviously we're trying to tackle you or don't you. I had, and he knows. I did, I did make big strides. I did get some money from a relative a few years back and I put like a lot of that towards

paying it off. So like I was making strides. When? Probably like two years ago or three. How much did you get? I don't even remember to be honest. How'd you get the money? Why'd you get the money?

A relative was nice and gave it to people. No, how much money? I don't know. No, about how much money. Hold on. No, no, no, no. No, no, no. How much money?

I really don't know. How about? Rounded! Give me a rage then, lady? I don't know. I think I... How can she not know? Who am I talking to right now?

I can say that I think I use like $10,000 to pay down the credit card. You've got at least $10,000 and it's maxed out today. Mm-hmm. Well, I don't have that. Yeah. And, oh, $10,000. Oh, that's the compounding? Oh, compounding an investment account that would have made so much money by the time you retired.

Oh, for me. Yeah, but I... That's so moronic. Ten thousand hours is gone like that. I know. I know. And that's another thing. It's like...

And then there's nothing to show for it, though. It's... Because you've built it all the way back up other than a collection of plushies. Do you still have the plushies? Yeah, I do. Well, I can sell them. No. Okay.

So I guess we don't care about going to Oregon or going to grad school or people. I'll sell some of the... paying off that or having an emergency funder making sure we can take care of our rats next time they get sick. I'm not going to sell the dragons and I'm not going to sell the Halloween ones. Because they're more important than the rats. No. With your actions, you are saying yes. With your actions you are saying yes.

I hear you, but it's just like... You hear me, but here's a thing I'm going to say. No, absolutely not. You just need certain things throughout like your life. You need a dragon plushy. I'm not saying you necessarily need a dragon slushy. Then what the fuck are you talking about? Everyone needs, you know...

Not a dragon. Plushy. Not a dragon plushy. They get rid of the dragon plushy. But they need a metaphorical squish mellow. They need a little, a little treat, you know, every now and then. Every now and that's fine. This is a permanent one that you.

Huh? I just said, don't say little treats. You guys see, usually, honestly, half the time, no, not half the time. 90% of the time. I have couples on here. They kind of go at it because they have disagreements. Things are really hard. No.

You guys are actually even worse. You just fully enable your stupid. We just agree sometimes. No. You fully enable each other's bad behavior in allowing you to never make progress in life. I mean, I don't think it's all the way just enabling, though. No, I think it is. I'm not going to lie.

Well, a potential reasonable one in that relationship. Who would have thought? I'll be like, oh, but I really want this limited, like when I was getting a lot of submissions. Because I'm not anymore. I haven't bought one in like a long time. Anyways, I would ask him and I'd be like, is it okay if I get this one? Because like I just didn't. Like I said, I didn't.

look at things. So I'd be like, is it okay? And he would just kind of like say yes, no matter what. How much have you spent on fucking squish melons? Mellows. Maybe. I'm scared to even think about that number. Think for a second without a massive story needing to be recalled.

I wasn't going to tell a story. Thank you. I don't know. I kind of saw it on those. On what? Were you going to say something mean? Yes. But I chose not to. But I know I want to know. That is, that's progress. That's restraints. That's restraint.

That's the first steps. I have it here and there. Yeah. At least 500. It's going to definitely be more than 500. Over a span of time, not like all at once. Probably a few stacks over the span of time. They're telling me the inheritance was $45,000.

Well, there you go. I told you I didn't know. That could have been your guys is fucking 20% down. That could have grown into a 20% down our house. That could have been child care. for a kid. That could have been retirement. I don't know. I don't know. Yeah, it would probably come out as a demon. I don't know. I don't know if we want that either. All I'm saying, that could have been so much. Yeah. That could have been

so many vacations. That could have been compound growth, beyond compound growth. That could have taken care of the rats. That could have taken care of every rat forever. And it's gone with nothing to show for it. Because all you've done is just put all the debt right back up. All for the sake, fucking squishy balance. But I didn't use all of it for the credit cards. I used the $10,000 for it, I'm pretty sure. But it's just... I don't know.

Emergencies probably. No, bulls. Come on. No, like, actually. Actually. Well, you'll probably just support exactly what she said because you guys don't know how to call each other. Nah. But there was like a portion of time where like I was unemployed.

Yeah, that was a big factor. So when I was going to work, I was getting paid very, like not a lot of money. And I had a decent drive. I was getting paid like $13.50 an hour. I was an EMT. I was an EMT. Okay. Well, that's money.

Money pays bills. But I don't know if you know this, but $13 pays more money than $0. It's an interesting mathematical situation. I know what you mean. But when I was trying to drive to work. work, I would have to take like tolls and stuff. Sure. And the drive ended up being like so expensive that I was like, this isn't going to be.

What are you saying? See, he does it too. I ended up having to leave that position. Why? Because it was getting too expensive to get there to work. And like the gas money. And the hours. How many hours a week were you working?

No, not that. I was working like, he was working like weird overnight-ish shifts. I don't care. We all do that at some point. 12-hour shifts. There you go. Then you made more in that shift than it cost to get there if it was a 12-hour shift. I was wearing like 56 hours.

Take that microphone, point it to your face. Sorry. Twist it to that mouth. Okay. All right. So I just, it really wasn't making a lot. And the hours with everything, like our relationship wasn't doing great when I was working there. Especially we were having a lot of arguments.

She felt like we didn't have a lot of time together. and so I started trying to like, you know, look at other jobs and nothing was hiring. And then by the time, nothing was hiring you with your current resume or a job that you were willing to accept. No, that wasn't it because you got. Yes, it was. No, no, no, like that wasn't like a few. When was this? When was this?

Oh, yeah, I did work at Cheddar. When was this? 20, 23. No. Yeah, you could have got a job. Yeah. But I worked at Cheddar's for a little while. He did get a job. which was like a restaurant.

Okay, well, essentially said he didn't, but. Well, I was, I was unemployed for a period of time, but I guess it was after. It was after. It was unemployed. So how does this mean? Because we used my savings to kind of like stay afloat during that.

Why didn't you go work more? Because I didn't. Not I didn't want to. I was going to say that. Yes, you didn't say that because it's not true. It's not. Okay. Then what?

I have a lot of health problems. What? I mean, we don't. don't know yet. That's the problem. Then what happens? No, it's true. I'm literally going to the I'm asking what the fuck happens. I mean, I have some sort of arthritis. Okay. And so like with my job, I'm a barista, you know, doing repetitive movements. Yeah, maybe we don't do that job. Yeah, but and do what else that's going to pay me 2217. With no degree. With no degree. Okay. It's a little harder to get into. Exactly. I can gift you a course career certification of

your choice to help you change things up career field wise. But either way, you would have to use the experience, hopefully managerial experience you have there, and try to get into a company it's likely going to maybe be lower out of the gate, but with career opportunities internally. There's actually relatively decent career opportunities within Starbucks, either way, and actually decent benefits as well. But either way, if it is not working with your body, yes, maybe we have to do something else. But I like the job.

I know. I know. Do we like paying bills and draining our savings and like you the job, or actually do something. There can be a happy medium, I think. Well, there wasn't. You blew through your savings. At the time impacts now.

And you're continuing the same things. If you got that lump sum today, you would do the same dumps up. No, I don't think I would. You spent double what you guys make. Because of the rat situation. No, the rat was like $1,500. So that's not true. I don't know if you guys know this, but $1,500 is not double $6,500.

So. wrong. Sure. Sure. Okay. If it makes you feel better, I did do, like, a good thing. I contacted Discover in December because I was stressed out about it being maxed out. And I have, like, a low interest right now for a period of time.

Yes. Low. Yeah. Compared to what they are, yeah. Compared to all of the other. Lower, not low. It is not a low interest. Well, lower. It is a lower interest. Either way.

It's lower. So not something to celebrate because it is fucking you. beyond belief. It is barely keeping up with the S&P 500. It's not f***ed me as much as the other interest rate was. Yes. Sure. That doesn't mean it's good, though.

I think there can be small wins. That's how positive reinforcement. You know what? Actually, you know because you feel like you got a small win? You know why that's actually bad? And why I'm going to tell you go fuck yourself? It's because that small win has actually made you feel like you don't need to pay this off. Because you had a small win.

And that's why it's still maxed out why you're spending hundreds of dollars on there on a monthly basis because you feel like you made progress. but in reality you didn't. And now you're fucking yourself because you thought you won, but you're just getting beat. The balance didn't go down. You help the credit card company win. For all my current or aspiring content creators,

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Okay, what does Discover It? Whose is this? Probably mine. Yeah, you're Discovered it because the other one was Discovery It too. Okay. Okay. Another big balance is not as big as yours. $6,685.

$55, minimum monthly payment, $170. No purchases. Well done. Thank you. Basically max out, though, so it's not like no purchases weren't being done recently. 27 years to pay this off, 99 years for the last card. So we're paying off death for the rest of the rest of it. Oh, is it 99, not 100?

It went down. It was 100. So last statement. Those are small wins. Sounds like you don't make progress. I think positive reinforcement is a good thing. I'm sorry. If you think about it.

That's a good thing to think. However, look at the actual results. It hasn't worked for you. Positive reinforcement works in some things. It has worked because this month is better than other months. I know that that's like it's not good. Being basically max out's better. Yeah.

It's still a small win. You allowing yourself to take these wins and making them bigger, better than they are, is preventing you from actually digging in and taking care of shit. It's enabling you to spend that money you spend on the credit card. I'm okay with small ones. I'm okay with positive reinforcement. There's a place for negative. There's a place for positive.

This place, you're using this as a crutch. And then you guys enable each other. You're not using positive reinforcement correctly. You're fucking yourself. You're destroying. What's up with this card? What's going on, Guy? So I opened that when I was, like, in college.

And whenever I had anything that I wasn't able to pay for, like, books or – and then I guess also when we started dating, you know, we had – we started going out to eat. I started putting that on the cards sometimes. And I basically maxed it out. When? Because it basically still is. I would say maybe like 20, 22, 20. So what have we still been spending on there then? Obviously, keeping it at the max.

Well, I was just doing the minimum monthly payments. Yeah, but that would have gotten you lower than you are now without purchasing. So what have you been purchasing? Not in this month, but you have been purchasing. I'm not dramatically you've had to. I even remember. Really? I bet it's vapes and shit.

I mean, probably vapes here and there, you know. if I ever really needed it or I guess not needed it but wanted it like what was it 150 bucks a month 175 something like that and I mean you know I also had like

lunch at work sometimes you know I have like pack huh pack well yeah I understand that packing absolutely packing is the way to do it but sometimes I forget and sometimes

don't have it ready to go I know but it's a lot to do especially because it's literally not well hold on a second it's like actually the least amount? Oh, I truly just disagree. Well, you're right. Sitting on the couch is a less amount of something. It's not that I'm sitting on the couch. I work like two overtime shifts a week and I... So you have two shifts to pack for? Not two shifts to pack for because I have like my whole, you know,

normal work schedule Monday through Friday. How many hours a week do you work? I work, um, 56 hours a week. Okay. Okay. That is definitely on the higher end. Absolutely. Yeah. You still have time to meal prep. Sandwiches are cheap and easy. No. Packing a bag of chips in a Ziploc bag, chill, or whatever the fiends.

I don't know. These are great. The dashia, the basa. I agree. It's just been a little bit difficult getting into that, like, cycle, especially because, like... There you go. That's the fucking issue. You're not getting into the cycle.

You're not pushing yourself. You're not actually taking the sacrifices necessary. We really try to. Like, on Saturday. He doesn't sacrifice his red bowls, though. the Red Bulls is a thing that I'll get every now and then at gas stations or at gas stations I don't buy a bulk you jerked off Costco's dick earlier

so buy a bulk we don't have the membership for Costco anymore Walmart yeah well he gets he gets big packs of coke from Walmart I do get big packs of Coke but get your red bull there too if you're gonna try I'm not against having beverages put it in your grocery budget you can't be stopping and getting a price per ounce

It's absolutely ridiculous at a gas station. I know. And that was, I guess the plan was to try to like not have the Red Bulls at all. And that's why I never buy them in bulk because I always try to be like, all right. You know, if I have a Red Bull, I'll try to have it like once or twice that week, especially on the days that I work my overtime shift. Because on Fridays, for example, I get in at 8 a.m. I don't leave until 12.30 a.m.

Yeah, I'm with you. So I, uh, help him. I go get a rental. I go. Meal prep. Help meal prep. Take care of each other. He takes care of certain things.

You take care of other things. We support each other in different ways. And like I'm not saying I won't because like literally recently we have been like trying to split the because I don't. I don't. I don't cook. He's, he likes to cook. Great. Well, he's the one that works 60 hours a week.

Yeah. How many hours a week you work? 32 to 34. Yeah. But, but, okay, so I'm an. opener at Starbucks and I wake up at 245 and then I come home really early yeah but

there you go yeah but we have a lot okay I'm getting there um as per usual if you will let me finish um but I actually don't even know where I was going now so that's why I usually don't let you finish that's valid actually

but I think the the main issue is uh especially of the cooking is we haven't had talks where we sit down and try to think about like, well, when we try to think about like what exactly would be the meals that we would go into, some of it goes into like, all right, well, I have like a certain medical condition where certain things that I'll eat, like, either make me very nauseous or, you know, make it very unpleasant for me. You know what it is?

Yeah. How restrictive? I mean, it's the reason why I went vegan. Well, what is it just when you eat beef and you? You shi-gots out? Partially, yeah. Okay. Yeah.

You know. We already guys know that you're vegan, so just do this vegan. It's also just, like, we'll be thinking about how we can have those meals, like, what type of meals we can meal prep. And I guess we just disconnect there. Like, we don't. Well, it's because I, we can't eat a lot of the same things. Because I like a lot of, like, fresh, like, vegetables and leafy greens, and he can't eat those. So why are you looking at me like?

Why can't you eat those? Well, sometimes it's far too much fiber. And like usually... Can you eat that, dude? Yeah, cooked vegetables and stuff. But he doesn't like a lot of cooked vegetables. What do you eat? What do you eat?

Soy? Tofu. No, when you said eat a block of tofu, that's literally what my dinner was. So you're just going to your little goblin hole and eat blocks of tofu? Damn straight with some spicy mayo. Mm-hmm. Yeah. Air fried toast.

Okay, but it's not real mayonnaise. No, it's fake mayonnaise. That is so silly whenever people say that. Like, we told you we're vegan, obviously, it's not real mayonnaise. Well, let's not call it manas, then. Well, do you... Well, that's what it says on the jar. Okay.

It says plant-based mayo. Hot dogs, are those dogs? Let's not call it that then. No, but that's the name of the food. And it's mayonnaise. It's the name of the food. Yeah, but it's not mayonnaise. Listen, all I'm going to say is, oh, I'm doing a little he-haz on vegan.

I would actually enjoy vegan cheese if they didn't say it was fucking cheese. Nah, you're tripping. You're tripping. Oh, come on. That's a hundred percent. That's just a you problem, brother. I wanted to support the actual food item. It doesn't taste or have the texture.

Oh, how dare you? How dare you? Have you had rebel cheese? They're local here. I learned that. And it was actually the worst restaurant I've been to this last year. I don't know about their restaurant. I don't care.

But their cheese is good. Well, they serve the cheese. Their cheese is fantastic. I don't know. Oh, my, I had a lot of their cheese. I had like their sampler platter. You had debris? Huh?

Debris? Dude, I had like so much. I had like the fucking, I had so much there. It was the worst wrestling experience I've had in last year and I'll never go. Maybe you don't like cheese. I love cheese. Uh, cheese. Listen, here's the thing.

Again, I, when I go to the farmer's market here, there's lots of vegan things, I would actively just, if they had a different name for what it is, if they called it Falamajam, and I'm like, oh, what's Falamajam? Oh, that is really interesting. And they didn't say, this is cheese. And then I put it in my mouth and it's like, not even in the same world. is cheese, they just call something else and I'm totally down because then it's

its own food. Nah. Don't call something meat if it's not meat. It doesn't taste like meat. It doesn't have the texture of meat. It's not meat. We could put you on to some things that actually tastes like 1,000 to say. Guess what I had all the best stuff? Did you have juicy marbles? At f and rebel?

Did you have juicy marbles? I don't know if juicy marbles. Try some juicy marbles. Blow your mind away. They should put us on the payroll the way we sell them. Like hype them up to people. I'm going to try it and it will be at the end of this episode. Oh.

And I will give an actual real review of someone that's able to eat also just food. So I know what other things taste like. Okay. Big of America credit card. Who's this? Oh, that's me. What's up? I opened that up because we were moving into our alone apartment.

And at that point... Alone apartment? Alone. He was saying without a roommate. and it was when I was transitioning into being an EMT when we had first moved into that like loaner apartment together. What? No, no, no, no, never mind.

It was after that. No, literally anything that has occurred. I'm tripping, I'm tripping. But I didn't have the paycheck yet. No, no. I didn't have the paycheck yet. Like I had started the Cheddar's job, but I didn't have the paycheck yet.

And I opened up that Bank of America card to put first month's round. You put rent on a fire card? I put it, yeah. Absolutely. Oh, my guy. Oh, dude, it's basically maxed out again. So you may not have purchased this month, but you definitely have it in the last few.

There's no mathematical reality world where you didn't have recently purchased. It wouldn't be possible. No. The minimum monthly payment on that one was super low for a long time, and I was only paying the minimum. Nine years to pay off. But the minimum. For sake. Yeah, minimum months will pay me like 30.

Oh, for for sake. I mean, this isn't related, but they just wanted to feed me a little, fuck you to me. Just ruin my day. You didn't pay your taxes in 2023? Why? For why? It's not like you make money. No, no, no.

So. I mean, you do. No, you do now. No, no, I was going to, I was more thinking to you. Yeah. When we had, and I think it must have been an issue, it was that we moved departments. Yeah. What?

So when we had... W2, yeah. Like getting it mail to? Oh, my, yeah. I never, I didn't get in line. Hold on. Here's the thing. I looked up online.

Okay, you guys have two catchphrases. Here's the thing is yours. And let me get there is yours. Well, maybe if you want to get that. You just walk around like little MPCs. Well, here's the thing. Probably honestly. Yeah.

Let me get there. Here's the thing. Absolutely. Okay, well, tell me the thing that's here. All right. So the issue is, I, I never got that W2. The mic would be preferable.

Sorry, I didn't get that. I didn't get that W2 in the mail. And then I tried to look it up online. I really did. I couldn't find it. What is that? Five minutes on the internet? No.

Did you call them? I called them and they gave me an email to email. I emailed them several times. Okay. And they never emailed me back. Did you call them again? Yes. Okay.

And then I called my supervisor because I still had like his number. Yeah. I was like, dude, I don't have my W2. I can't find it online. and he gave me the same email again. And I was like, yeah, it sucks. What the heck? Okay, well, it's been a couple years.

Yeah. I feel like it goes in. Do they tell you how much you owe? You just haven't filed. Yeah. 2023. No. You're likely not going to be on the radar anyway, but like that's still.

I mean, it could, it could randomly fire out the next few years of something, I don't know, who knows. You never know how things change. I know. I am trying to get like somewhere with it. I think I saw... But it says you filed for an extension. I did file for an extension when I didn't get that W2. And?

But then I kept trying to like email and call and I never got the W2. So I missed the like extension. Did you pay 2024's taxes? Not yet. Like you haven't filed. We're not at the deadline yet at the time of filming this. So pretty close though. I know.

I know. What does your tax situation look like for this next year? Shouldn't be too crazy if you're withholdings or, It's just W2, so. Yeah, but. I mean, I'm assuming that whatever return I would have gotten on that 2023, I probably won't be receiving when I do follow up. Where do you guys usually put your tax returns? I usually do turbo tax.

No, I'm not the problem. What do you guys do with your tax returns? Because usually when we're in a financial position, a lot of people rely on their tax returns. In a way, in a little bit of a way this time for me. Because I filed like ASAP as soon as I could. As soon as I had a lot of stuff. For, I don't know, in January. Yeah.

Last year. Yeah. Yeah. For last year. Yeah. Okay. Did you get the money? What did you use it for? It was like fate almost because I got like the exact amount that I got was how much money we had left. What credit card did you pay off? It wasn't a credit card. It was a loan for a PC. But you paid off the loan. Yeah. Yeah. Yeah. All the way. All the way. It was like the same exact amount. It was fate. Yeah. When the fuck did you get this PC? Um. How much was it? a thousand five hundred i got a loan for that well you could have cash filled that we did

we did like the bread pay thing we were we were we didn't look into it enough it was we thought it was is it even good what do you have the pc 30 40 or something i don't know anything about anything i play stardu valley that's all i got a switch we have we have a switch and i have it on my the xbox as well okay um okay it was one of those it's it's it's it's was almost like afterpay kind of thing. Yeah, it's like after. I don't remember if I said it, but you owe $1,878. on here minimum fee payment $57.

$9 years to pay off, interest rate 27.24%. Synchrany. What's this? Who's the synchrony? Me. What's going on? It's my care credit. So.

Yeah, it is. I don't like care credit. Oh, yeah, have them. And you refuse to get rid of them because. I'm trying. I don't refuse. I want to. I'm just getting there. You're not making the choices that would do that. I'm getting there. You kind of. Kind of. Again, like usual, no, you're actually not. A little bit.

With your food spending and your boat. Okay. Yeah, I'll give you that one with the food. But yeah, you'll give me reality. Thank you. I appreciate it. So I, I'm sorry. 13 years to pay off, $2,8004.5 cents to $92 a minimum with the payment. Why'd you get into this? How'd you get into this? In 2022, I think maybe ish. So, like, I had braces when I was little, and I always wore my retainers. Yes, I'm going back to braces. I had always worn my retainers because, I don't know, I wanted my teeth to stay nice.

Like, I don't know. Most people don't do that, you know, but I did. Not like staying in any type of way. Thank you. I appreciate that. But. So this is all of Visaline? Not all.

So, so. Yeah. Okay, 13 years to pay off. Yeah. Lots of interest this year so far, just this year so far. just as you're so far to 300. Yeah. And I don't even think I've made a purchase at all on there.

So it's like, I mean, like obviously. 26%. Okay. Is that all the debt? No. No, no, definitely not. Wait, what is this? What am I saying?

Okay, I have an account here. Yeah. Oh, balance 40,000. Oh, yeah. Total. 40,000. Auto, Subaru. 332, Subaru Legacy.

Yes, sir. Okay, why did you get a 2022? Well, with your guys' financial situation? Why would we get a $40,000? I would get a $40,000 a $40,000 a car in your guys financial position, guys? I mean...

Guys, $40,805,0.28. Come on. Yeah, no, I definitely hear you about it. And, hey, it's not fantastic for sure, but I don't think it's the worst at the same time. I told him not to say that. You're right, about $100,000. You're right, about $100,000.

No, no, no. Hold on. So before that, I had like a 2012 Chrysler 200. And when I had bought that car, it was just because I had an 06 before that. 06 what? It was like a Mercedes, E350. That one wasn't my idea, but that one was a cheap car that I had gotten. You got the dealer mobile and then something happened.

Okay, we have, okay. Yeah. Yep. And every single time I've had to take it to the mechanic, it's been like several thousands of dollars. I don't understand why the sequels get a $40,000 a car. Well, here's the thing. When I was driving the dealer mobile. Yes.

One of the issues that it had was like control arm issues that the mechanic had said. But it had like spun out and I was just out of control on the highway and ended up perpendicular to lanes and that just really got me sketched out about the car already and when I had gotten that car I was trying to get purposely a cheap a cheaper car what was cheaper well that one was like a $10,000 car no better than 40 and I hear you but that was like a 20 something thousand dollar car and I had to roll over negative equity from how much it had like five to six k of negative equity Okay, so it would have been a $25,000 loan. And I got like gap insurance with it and all these.

Well, warranties and all that bullshit. All the way up to, when did you get this? We got it just like this year in October. How much was it? Well. The whole thing. The whole package. I don't think that told me like the full number. What's the interest rate?

It's 8.24. Oh, for a thing. 8.2 on $40,000. I know. Term length? It's like 80 something. long term. What? Okay. What's the minimum monthly?

The minimum monthly is like 668. Good death. How the f f-the-f fucking you think you can't even afford that? Well, that's the thing. I started... What's the thing? I started working a lot more of the overtime schisk, and I was very regular with that, and so my income hadn't played in. It basically doubled from where it was, and I didn't want to get another car where I was just like, man... But there's a middle ground.

I know that there's a middle ground. But honestly, I got very excited about it because it was a used car. Well, you better believe for the next fucking nine years of your life. I will die in that car. You could bury me in that car. You probably will. I swear. You drive like you did in the charger.

Well, it wasn't a charger. Late payment. Late payment assessed fee. Hey, we pay all our bills on time. They said that earlier in the conversation. I said I do. This is about to be your husband. Yeah.

That was. Yeah. Here's the thing. Here's the thing. So I believed, because when I first called to make a payment when we got it, I need to put you at two times speed. Can I push that button? I say that all the time.

I'm like, let's speed it up. Let's go. I'm sorry. You know, it's just the way I speak. But when I went and then got it, I called, do the payment. They're like, so there's a 10-day grace period in order to make the payments, and the payment is at the end of the month. So I had...

Boring! Oh, yeah, you had a late fee. I had a late fee. 8.24% interest. Is it a better interest than the last car loan? What do you drive? What is the car worth? Do we know?

Do we guys want to know? A 2017 Honda Civic. Does anyone know what your car is worth? My car is like 25 or like anywhere between $23,000 and $25,000. Assume 23 then. That's an insane negative equity position. Do you have a loan on your car? How is your car?

I mean, I don't, like it's good in the terms that I don't have a loan. I don't have to pay money for it, but it's kind of, like, screwed up. Why? How? Tell me. Because people hit my car a lot. It's like I get in a lot of accidents and like they are actually genuinely not me. I don't know. Ask Tampa drivers. They're literally crazy. Like I got rear-ended while I was fully out of stocklight. Okay, so I got rear-er- this was the first time I got rear-ed.

Oh, no, no, no, no, no, no, no. And just to like make it even better, there's part of this that has to do with the X because you let his friend drive my car while he was on acid. You get an accident. You get an accent. I got rerended. Yeah, that's it. That's it.

I wasn't even saying anything. No, I drive very well. Thank you. Oh, then your insurance would cover it. No, no, no, no. No, because I didn't call the cops because the guy is my first accident and the guy was very like, oh, are you all hurt? Do you need a ride home?

I'll call you an Uber. Like, he was like very nice. And I was just naive. Well, accidents would imply more than one. Well, that time. And then my insurance did cover. It wasn't like money wise. It was just that, okay, I'm getting there.

Driveable. Yeah, it's all the way drivable. It's chill. it's just that it doesn't have lights. I don't care. The rest doesn't matter. Lights replace them. No, like it's the fucking place and get lights. It's the wire harness.

It's like $2,000. We might need that because you're probably going to get pulled in and get a ticket, right? No, no, no. So we have a system. Yeah, we have a system. She doesn't drive her car at night. I have brake lights. Like, I have enough of those.

They're legal. And I have like a little bit of headlights, like not the full headlights. But so I don't drive it in the morning. He drives. I drive his. car to work and then he stops by... You've had four re-endings. Yeah.

I'm literally just stopped. I don't know what you want for me. Like, they hit me. No, I want you to go get shi-st and try to claim insurance and call the cost to the proper things. And I think you'll probably, once I say this, see a common theme is like, we're just chronic pusher offers of things.

Like, we want to do things, but we just keep pushing them off. Well, because you refuse to make a single plan. So why would you do things now? Yeah. I mean, it aligns with your entire world. It does. It does. It does. It does. It is. It does.

So I'm not surprised. Student loans I see $21,922. So who's are these? Mine. For what? I got a bachelor's in biomedical science. Cool. Is there a minimum monthly payment associated with these? Not right now. Why?

Why? Why? When does that end? I don't know. When the forebearance? Forebearance? That's what it said when I look, yeah. Not the ferment?

Forebearance. Forbearance. That's what it said. You're 100% sure. I'm not confident in that. Yeah. I don't know. Okay.

And you talked to them and said you had hardship or something? No. Just nothing happened. Yeah. Yeah. I don't know. It just got put on that. And I said, okay.

Does I have an ending date? Not that I saw when I went. Like, they didn't have like an end date for the forbearance period, if that's what you mean. Or not. Well, interest is still probably occurring. Yeah. Yeah. So why not make payments anyway then?

Yeah, I got you. No, that was my question. I mean, honestly, because it felt like not the priority when all the other debt was so much. Just interest only, at least. Okay.

Is that the end of debt? I think so. I think so, yeah. See 1,186 in this check-in account. That's not bad at all. Who's is this? Bank of America. Mine.

Okay, not bad. Zell, 9th, 2,132. That's the deposit. Yeah. Oh, here's this point.

Okay. Okay. I mean, cheap at Target, highly doubt this groceries for $16. Yeah, definitely groceries. Really?

Yeah. So, you don't have time to cook, but you have time to go grocery store five times a day. No, you live, like,

less than a minute next to the target. It is right next to days. You live less than, zero seconds from your kitchen. How many discounts does USAA auto insurance offer? Too many to say here. Multi-vehicle discount. Safe driver discount.

New vehicle discount. Storage discount. How many discounts will you stack up? Tap the banner or visit usa.com slash auto discounts. Restrictions apply. And then we cook with the media. But there's no time for the kitchen. No, no. It's not saying.

He cooks dinner like every night. So it's not even like that. And what are we talking about? Why can't you prepare for the next day? It's because we don't have the forefought sometimes. We don't think about it. The pusher offer of like We'll plan it tomorrow.

Yeah. Okay. Wendy's smoke shop. Yeah. Salon. Vennemachine. Yep. Twigs garage.

That is technically a work expense. Are you able to declare it as work expense? Yes. Every rose, $150. Oh, that was, um. That was my sight. But that was not re-funded. That's the one I was talking about.

Yeah. It was to make sure that we had a wage. We have refunded. Smoothie Evos. Yep. Maybe groceries. Taco Bell, Amazon, Zico Brew, Museum of Science. Taco dirty, Taco dirty.

Vapor and Pipes. Amazon, Amazon. We got to go through those. Apple Bill. Cash app and out. Amazon Ginza Online? Sushi. $43.

Yeah. You don't have money. You're trying to move to Oregon. Why are we even moving? We'll talk about hold that. Maybe groceries, maybe groceries. Burger King. The garage.

garage, Burger King, Vegan International. That was the birthday meal. Fat burger. Fat burger. Greenhouse Smoke. Taco Bell, Vending machine, Burger King, Netflix. Going in, getting some monster. Vapes. You vape endlessly. This is fucking crazy. You're going to die. Don't you want to be around for her?

Amazon, Amazon, Amazon, Amazon, Spotify. Venet machine, Venet machine. Maybe groceries. Cash app out of $35. That's a cash app buy. And then also, zealin, zealin, zellin, lots of zelen. Is that to her?

Yeah, it's money between us. Why? Because we don't have a joint bank account. Yeah, but what are you guys sending? And for what? Oh, so, yeah. For bills or any payments? Or like the vet stuff when I didn't have money in my account.

He sent it over and like, you know, that kind of thing. Ally, who's that? Me. $1,400, also not bound. Zellin out. Zellin out. Zellin out. PayPal.

That might be pet food. Depends on how much it is. Zelle. Maybe groceries, Amazon. PayPal. Zelle. Amazon, maybe groceries, Zell. Okay.

140 savings. Yeah, what's left of them after the car. Yeah, we're down from 639. Fidelity, $3,584 for who? For her. Okay, you're definitely bare behind for your retirement. Wait, that's definitely not how much I have in there. I have more.

Well, and for, uh... Is that like the stock thing? Is that the Starbucks stock thing? Yeah, this stuff was weird with that. It does. But I do have in this statement, $13,000 for $4.0.000. So is this individual stocks? Is that what that is? I think it's just a Starbucks stock or it's the raw. Boya is that you? Boya is me.

You're also dramatically behind a $546. You're still behind, even with your combined of $16,000. Is that it? Yeah. Have we done it? Yes. Why are we moving to Oregon? Because it's nice over there.

You ever been? Well, maybe you can't yet. Have you ever been? Nope. You should go. Maybe you can't yet. Okay. Sure. Maybe you can't yet.

We're not saying we're moving tomorrow. When are you moving? I don't know. That's the thing. So we want to. We just don't know. You want to get married. You don't know. You don't know because she's not willing to actually sit down and actually discuss the future. It's definitely a part of it.

And it's also just trying to figure out exactly how to fix the finances. How do we tackle things? What are you guys done to fix finances? A lot, actually. I know everyone says that and then you don't believe them and you don't care. But like it's genuinely true. double what you made. Yeah, but it's genuinely true.

What have you done? If you would have seen the other statements, what have you done? I'm getting there. It would have been like food like because mine wasn't too bad like this time. But other statements, it's like fast food like crazy. And we don't do that anymore. And I used to get.

Yeah, but his is like every second. Yeah. But I also used to get a drink. Some of that is me on his. Oh, see. Yeah. But I used to get a drink like from a little drink shop like three times a week, four times a week.

I don't do that anymore. I bought a big bulk thing of it. and I make it my own. So, making progress. You ever had Hojicha? It's really good. No. You should try that.

It's fantastic. It's like mantra, but it's roasted. I don't know what that is. Well, we told you. You should try it. Okay. Your minimum fee payments without your student loans, which would probably be about $250 a month,

is $1,356. We won't put in the student loans one for now, so we need minimum for survival. What's rent again? 2048. Utilities. 130. And where did those little papers go?

With it being variable. Had all the numbers. Internet? Internet is 37. 39. 37. 39. Okay, 37 phone bill?

106. Gas, room, drive, drive. 300. For both? Yeah. Yeah, I'd live two minutes from work. Mine is, like, I think it was 104 last time. It's, like, been different amounts.

Mine is like 221, 225. Okay, 325. Okay, 325. groceries. Vegan is going to be more expensive. I'm going to do 700. Don't have a vegan cookbook. But you do get the cookbook again because you were here.

TP fund. Anything else to survive? This is salons. This is whatever you need. This is a tampons. This is a toilet paper. This is makeup. This is whatever.

Okay. It is also body wash. $200. Medical on a monthly basis. Co-paid. All that good stuff. I think that's it for medical. Gims?

At the apartment. Yeah. Okay. Pet food. Mm-hmm. 120. Pet insurance? We need to get it.

I was looking into it. We don't have it for the cats? How old are it in health of the cats? Nutmeg is one of the girls is 10. Okay, nope, then. Yeah, exactly. The other one? The other one is like three.

Yeah, she needs it. She's in good health. She's in good health, yeah. Okay, I'll put 40. And for the rats. I want to get it for the three rats, too. It was like 15. Is there?

Yeah. Plus an additional $45. Yeah. So Pat would be a total of $85. I guess. Okay. We definitely have a little room. It's not huge.

$5,779 is what you need to survive. If we do the $6,250 that you think comes in on a normal month, that's $471 off to over. $471. We can minimum payment to student loans until they're paid off. You need to get back on that. Get on the 10-year, 10-year traditional repayment plan. Okay. It's going to be a while. It's going to take 161 months. Rounded up 162, really. How long is that?

That is 13 and a half years. It might be... We definitely need to fix your income situation. You're hourly, it's okay, but you're also just not getting enough hours. And you're already working a lot. You might just need to also work 60 hours a week and maybe that's the second job. If we do that, if we're able to double this with an extra $1,000 a month, then with like $75. Pay this off in six years. That's okay. It's still hard. This student loans won't go this way.

But it might be worth bankruptcy. But only if you change your behavior first, you do not go through bankruptcy until you've proven you can change your behavior again. The simpler budget app actually tells you everything you need to know. It's all automated. So no excuses anymore. Go through all the classes, the debt one, especially, the budgeting one, especially. eventually the investing one and eventually the real estate one. You get them for free.

We have all the tools necessary to change your behavior. We don't have all the tools necessary to speed this up above six years. And that's if you bring in $1,000 a month. So an extra $500 net, which you could do if you want. My store manager wants you to tell me to work more. Oh, you can work more? I mean, yes and no. Oh, for you say.

But my body hurts a lot. And it's scary because I don't know. Yeah, I know. Whether or not you like this job. I know. Okay? So you might just need to find another job. He won't like that.

You said that. I don't give a fuck what he likes. I want you to get out of debt in less than a decade preferably. Me too. Listen, bankruptcy is quicker in terms of even off your credit, you know? Off your credit than it would to take off, to pay off your debt in your current situation. Maybe we find it cheaper places. Well, that helps.

Yeah. The vegan situation then also makes it harder because they give you a little extra grocery. We can do it decently cheap. Well, do it as cheap as possible. Yeah. Whatever you can cut back in a healthy way. we have to. Whatever we can do

to boost income, we have to and only there that gets us like five years to pay off and then call in another year for a full of an emergency fund. Only then can we move to Oregon. Are you going to wait that long to get married?

That's ridiculous. So I don't know. Maybe bankruptcy, maybe consolidations, but only if we prove it, only if we prove we have changed our behavior first so that you don't do bankruptcy

and get right back into this, which a lot of people on the show have done, so that you don't consolidate and then build all your debtor right back up, which a lot of people in the show have done. So those are your options. You need a budget first and change your behavior first. Then we can figure out which option makes the best sense for you, but you need to budget first and actually prove it first and not

spend double what you make. Speaking of spending it a budget, zero out of ten, debt, crazy thing is, I mean, your credit card is what's brutal and then your car is what's real. So that's going to bring us down to a one out of ten because those are bad. If those weren't there, or if those were even half, maybe it would be like a two out of ten. Mergency fund. Yeah, not much. A one out of ten. I like a hundred bucks. I like how you're going.

Saving retirement. We're dramatically behind. You're dramatically behind. You're like one. You're probably closer to like a three. I'll even an out call it a two out of ten for the house. Real estate, nothing yet. Zero out of ten.

It's going to be a Hammer Financial score, rounded up to a one out of ten. Guys, join us in the post show. Join Hammer Elite in the description below. That gets you and upload almost every single day from us. and it is more content than any other YouTube membership and it really helps support this channel. And don't forget to download the simpler budget app today.

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So you guys are, you know, a little freak. Sure. What do you mean by freak? We don't ask those questions, I mean. Just say what you're trying to say. To watch the Financial Audit Post Show, click the join button below.