Financial Audit - Deadbeat Dad Steals Money From His Child | Financial Audit

Episode Date: November 5, 2025

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Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You rated your kids saving so you could go on vacation and you don't regret it. I figured he's three, four now. He won't, he won't, though. How much was there and your kids see your kid saving?

Probably because they thought I was going to pay him back immediately, but I... Move back. Pay my son right back. Pay your son back. Do you hear that? You're paying a four-year-old back. Do you hear that? What the fuck?

She said when she quits yelling at me is when I should worry. Do you think she's actually sticking around just because of the... the kids. Potentially. Sure she's not fucking someone else. I wouldn't be surprised. We've been getting a ton of people asking us to extend the deadline for the dollar wise launch. So you know what? I'm going to give it to you. Starting now, you can still sign up for a three-day free trial for dollar wise. But hurry, we're ending the promotion at midnight on October 31st and get a free signed cookbook by me. Click the link and start your free trial today. Hi, my name is Christian. I'm 28 years old.

this is financial audit. You're a red one, aren't you? Yep, I don't wear sunscreen. Yeah, you're going to... It's a 28 years younger than me. Yeah, dude, you're going to... You're going to age. Oh, yeah.

Can we talk about that? You're going to age. Oh, I know. Trust me. I'm in the sun all day. And you said... What's the city you're from? Biloxi, Mississippi.

Biloxi, Mississippi. I don't know it. Mississippi, not a high cost of living state by any means. So I'm very curious to see what kind of income you got. What do you do you do for? a living. I am a mailman for the post office. Okay. Freedom. We love it. America, Roo. It's not too bad. Sure. What do you make? Um, about $27 an hour. Mm-hmm. In Biloxi, how does that stretch? How are you feeling? Uh, it's not too bad if I was a little more responsible, but, you know, Yolo. Yolo?

Yolo? Yeah. I just like to live it, live my life. We're going back 10 years ago. Yolo. Okay. Wow. sure. It was big when you were 18. You're really holding out of those high school days where you peaked, right? Oh, yeah. Sorry. Probably actually, I don't know.

Okay. So, what hits your account per paycheck? On average, I say about 1,500. Depends on if I work overtime. Is that every other week? Every two weeks. We're biweekly. 5,000.

You said if overtime? If I work. All of whom's overtime. Is that normal? Is that normal, though? It's about average. It's normal. Good.

It was more consistent, but I actually recently took myself off the overtime list. I don't work overtime anymore. Okay, so what has your account now? About 1,500. Okay, so just 15. What was it? Sometimes I'm forced. What was it?

About 18 to 19. People want their mail. Why are you going down? Well, my wife just left for the military, and I have a 4-year-old. How old's your wife? She's 27. What does she do? She just rejoined the military in the Army.

She was national guard. She can't tell me. She has to go to training. She just left for training. Sure she's not fucking someone else. Oh, yeah. I hope not. She might be.

That is a common thing. She comes home in a good mood. I'll look the other way. Why is she doing this? Like, I love that. Signing up and serving. Great. We love the armed forces.

We need people protecting the United States. This is good. You really don't hear them signing up 10 years after when people usually sign up. Well, she was in the National Guard, and then when we had our kids, she got out. and she says it's because I've put us in a financial hole, you know? So she signs up for the Army? Yeah, well, she could go right back in. But to get away from you?

Well, she could keep her rank, and so she gets paid more. She was serving sushi, and she had some old ladies giving her crap about yum yum sauce. Well, she's going to go serve in Japan? I hope so. I hope so. Okay. Because I would love to move to Japan. Oh, you're going to follow?

We are, my kid and I, as soon as she gets stationed somewhere, we're going to up and move. What the f f f this is? Oh, well, when this is. Even if she stationed? We don't know. Yeah, what if it's Afghanistan? I don't think we're there anymore. No, no, no, no, no.

Not going there. I hope it's... So you won't follow if it is Iraq. I think we're a little there still. I might back out at that point. The marriage or... No, no, not the marriage, just the moving part. And she'll be there for...

Is she doing the standard three-year cycle? I think she's on for four now. Wait, what's the intent of this? I'm so confused. Again, I still don't hear people signing up. You're at that age, typically. She was in. she had the opportunity to get back in and keep her rank.

So she didn't have to start over. So what income is that going to come with then? She's roughly... She's never going to try to translate to civilian life? Like, I was confused. Her plan is to go in for an occupational therapy assistant. They pay for all her school, and then it can transfer.

When she gets out, she can do it privately, civilian life. Yeah, but with the National Guard, did she not already have school paid for her? No, it was... Well, she would have school paid for, but they'd train her. So she would have to go to college if she was in National Guard here,

they send her straight to the training and they pay her like a salary while she's in school. So instead of having to be in school and work and be a weekend warrior on the National Guard, then she'll be in there full time. And it's in Texas somewhere. I just, I don't know where. But after service?

After she wants to transfer it to a civilian. No, when is she doing the schooling? In service? She just left a couple weeks ago. For... Yeah, like she's in her service and they pay her to be in. She's going to be doing in service?

Right now, just school. Like, that's her whole thing. And then when she gets, if she deploys, it'll be a medical setting. And it won't be like, she won't be in, like, a combat zone. She'll be more like in a hospital helping people with, like, rehab and stuff. Okay. I like that. That's nice.

Yeah. But you're saying she felt pushed to go because you fucked up? That's what she tells me when we argue about money. She'll tell me. Maybe she should be here with you, honestly. I tell her, I'm like, oh, you're not trying to catch. a break from us, you know, for a little bit, but now she said... Well, honestly, maybe.

She might. Yeah, she might. But, you know, uh... So sorry, I've interrupted a couple times. No, you're fine. What income is she going to be making then? Um, it should be around $5,500 a month with her housing allowance. When does that kick it? Oh, with housing allowance. Yeah.

But after it's... The housing allowance is put towards housing. What's going to be hitting? I think it's around four. She just left. Okay, and you guys have joined finances. We haven't conjoined yet. So is that four even going to go to the household? How does this? is going to look.

So I'm waiting. Hey, Will, what's the household? You don't have joint? I'm confused. Well, we kind of just send it back and forth between each other. She, like, you know,

she pays the power bill address to her card. I pay the car payments. She'll pay this. I pay that. Who pays rent? The big one? The chunk.

I don't have rent. I have a mortgage. And you're going to leave to go be stationed for four years? If I do, my dad's going to rent my house from me. Build my equity for me.

Pay the bills. Why would your dad do that? Until I'm running. Because he lived. lives an apartment with his mom right now, and he's looking, she has some health issues, so he moved in to help her out. Okay. But she's going to have to go to a care facility, so he's looking to get an apartment.

He's actually going to move in with me for a little bit now that she's gone until we leave, and then he'll take over everything. I don't want to get rid of my house yet. I'm not suggesting so necessarily, but you're going to be gone for a bit, and you're going to be landlording with family, especially gets very awkward, very quick. How have you guys been together? Six years. Married for her?

Since May, June? Yeah, we had a courthouse wedding. It's immediately leaving. Well, yeah, we had to get married because, so I can get all the military benefits. We didn't want to pay for a wedding, you know. This is expensive. Yeah.

Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Okay. Okay. Okay. Very. Okay. Okay. So I don't, the finances I'm looking at today, does that include hers? No, this is all. So how do I even incorporate her four into this? She has no debt. Can I?

She has no debt. Yeah, but she has accounts including spending. So I don't know how to incorporate her $4,000 into this, especially since you guys aren't joint. Hmm. Yeah. I mean, I had talked about. Really, no conversation around this. So, I mean, what have you guys talked about when it comes to her four? I asked her if she wanted to make a joint account before she left and she was like, you know, she likes kind of how that setup we have now kind of works, you know. For her to protect her, I have a feeling. Is she on the mortgage? Yes, she is.

We're both on it. When did you guys get this house? September of 2021. It was a little crazy back then. Why? Oh, the housing market? Yeah, the housing market was insane. Okay.

I'm just, I'm confused this she's trying to have any kind of independence to protect herself? Like, because it sounds like you guys got married before you're ready to get married or you only got it for benefits? We were never really too concerned with the whole marriage aspect.

You know, my kid's four, we've been together a while. Was a four-year-old? Yes, I have a four-year-old. Okay. So, you know, I have insurance to my job. It's a little pricey. Sure, so that's our biggest concern out of everything? Well, no, it's just one of the perks of her getting back in.

There's a lot of ups and there's a lot of downs. and there's a lot of downs. Yeah, but you guys getting married but not going joint. Yeah, we need to. Why doesn't she want to go join? What does she said? She just says I spend too much money

and I have too much debt. Financially, probably not. Then why are we married? Well, for the benefits. But you guys weren't ready. I mean, we love each other. Loving isn't everything. What finances is one of the leading causes

for divorce in this country. Oh yeah, I've heard. She gets on to me. I told her. Tell me about that. She gets on you. What? I told her if she had came here with me today,

she'd probably sit on that. with you because she she gets on me she very good now tell me what that's actually like so like my big thing is eating out i have a weakness to eat out and so i'll you know i'll be on i'll get off work i'll grab me some mcdonalds on the way home right oh yeah you spend eating out oh yeah so like it's like my stress thing it's like oh macdonald's chick-fil-a chills me out you know it's kind of like a cigarette and get a mcdouble you know and so she and then like i'll come home and she'll be like oh Did you go out to eat? I'd be like,

mm-hmm. And then she's like, You don't need to go out to eat. You spend too much damn money eating out. Well, yeah. Is she cooking or are you cooking? How about that work? I don't like cooking.

Who's supposed to cook? We don't have an oven right now. We have the stove top, but we got struck by lightning a couple months ago and it fried the oven. And so like the ECU. No insurance to cover? No, I don't have any insurance for stuff like that.

Okay. Yeah, that's usually extra layers. Okay, what do I have a note here, though, that I was like, I'm, I, listen, I go in blind with the audience, and this is the get to know you section, and I usually decide whether right now, if I hate you or like you, and I usually like you, but I'm usually also annoyed. So, and that's normal, but I usually like the guest. And I was like, okay, so what's this episode about? So I look over my screen. I have a note from you, essentially, I guess in your application or whatever, you rated your kids saving so you could go on vacation and you don't regret it. Yeah.

What the fuck is that? Because that's going to make me hate you real quick. No, I understand. I figured I valued building memories with him and stuff, taking him experiences. It was worth it. Yeah, I figured, you know, I took him to New York four times in the last year,

Disney World, the Bahamas, Houston. With her? Atlanta. Yeah, she went. What's the rated? Like, I used it all. How much was there?

And your kids said, Your kid savings. Your kid's savings. My savings for him was probably 8 to 10,000. What the fuck for your 4 year old? Yeah, well, I ran it up. Four year old. I ran it up on my credit cards and then.

Rent what up? Those trips? The trips expenses. I was like, well, I don't want to pay interest. I figured. I don't want to pay interest. So let me take for my kid's future. Well, yeah.

He's like a 0% loan. So you owe it back in your minds. Which I get, what was it sitting in? What was the savings sitting in? Capital One savings account. So just a regular old savings account. Okay, so it should have been accruing in some kind of like more education focused savings account tax free, by the way. Yeah, I haven't set one up for him yet.

Great, wonderful. Love that being a parent. And the wife's opinion on this? She doesn't approve. I really didn't ask for her permission before I did it. I figured he's three, four now. He won't, he won't know. He might one day.

But by then I plan to have him paid back. Yeah, 10,000 and 14 years? Yeah, hopefully sooner than that. Hopefully sooner than that? Yeah. Doesn't sound... I'm gonna get around to it. Will you?

Because you racked up credit cards to go on vacation and then took from his savings. And then ran him right back up. Of course you too. Bro, what the fuck? What the actual... So you did it without asking? Yeah, because she has her own account for him. I'm not sure what's in it.

probably shouldn't know. I said, her mind for everything, including for our kid. That's so weird. You guys, this dynamic is so weird. I used to put him some to the side back then, but, you know, as my debt got higher and higher, my expenses got higher, I quit doing that. And then I was like, oh, I don't want to pay all this interest. You know, we had a good time.

I think it was worth. I think it was worth it. But this wasn't, like, you set this aside. I know technically you did it, but it was for your kid. And the way I separate that is it's no longer your money. Yeah, we just actually. I just took him like four weeks ago to New York again. He had him a...

He likes to ask to go and we were gone. The four-year-old's like, can we go to New York right now? He actually does say that. Yeah, because you've... I've put it in his head, yeah. Well, yeah, four times this year. We're not even in Q3, four yet. Yeah.

That's where we like to go. And now he feels some kind of like... entitlement? Yeah, he... In a way? Not an entitlement, but like when kids has to go to McDonald's,

he has to go to New York? Yeah, he's always asking, when are we going to New York? And then, you know... I was asking four times in one year. Well, I was actually supposed to come on during that time, but I pushed it back with Lindsay

because I was going to New York. Okay. So you saved up how much into that savings account? Originally, it was close to 10,000. And how did you save that up? Um, well, I didn't save it all. A lot of it was like birthday money

from family. family, friends. A lot of it was mine. A lot of it wasn't. Dude, it wasn't even from you. Not all of it. It wasn't even from you. It was from family. Giving it is, do they know? Uh, yeah, some of them. What do they possibly think, guy? This is insane. This is disgusting. They, they didn't disagree because they thought I was going to pay him back immediately, but I let my-back, the savings account? Let my, pay my son right back.

But how could you do that? Pay your son back? Do you hear that? You're paying a four-year-old back? Do you hear that? Yeah. What the fuck? I only get, he's only little for so long when I go out there and build the memories, the experiences. He's a year into forming memories. I can pan back later. A trip to New York once a year is great. I have great memories with my parents and we did everything on the cheap.

It was going to a campground in a tent that was like 20 minutes away. That's what we did. And I have good memories. You don't have to go balls to the wall four times a one year plus Orlando in bullshit thing craziness. Yeah, we did go on a two-week vacation last year. It's been right under a year. Dude, this is insane. And I don't even know if he was able to have memories at that point.

You're going to have pictures. But again, let's just pretend you did New York once this year. Okay, maybe. I mean, I would probably say, you probably shouldn't. But I wouldn't be freaking the fuck out. Four times one year, probably five by year's end. Yeah, well, we had originally, we were just going on a cruise. And, well, then I was like, you know what?

What, your application wants a month? Well, then it was a cruise with. I was like, you know what? I got a few extra days off. Let's go to Disney. since we're going to be down there anyway. U.S. Postal Service. Stop giving days off literally for everyone

just so he stops fucking up his child's life. Yeah. There's a limit to how many people can be off. So if four people are off, I can't take off. And it's pretty booked the rest of the week. Dude, how many days have you taken off this year? I get like 120 hours up front in January. And then I get my sick leave on the side.

You're taking it all? I have about 40 left. What are you going to do? 40. Well, 40 hours left. 40 hours left. So a week? It's about a week.

week. I'm going to try to roll it over, but we may go see his mom some. Depends on where she's... His mom? My wife. My wife, Oksana. She's a boring. Oh, yeah, where is she? She's somewhere in Texas. I don't know the name of the town. You're in Texas

right now, and you don't know where she is. She's about... You could be literally close to her. She's about four hours past Dallas. In what direction? There's a... West. I looked at it on a map one time, but I don't know the name of it. Some military base. How much you guys want to bet?

It's Colleen. It'd be real close to us. I'm not sure. She said you're not going to visit. Well, here. No, I'm going back tonight. I didn't want to spend money on a hotel room, so. Oh, yes, of course.

Yeah, now we're going to not spend money. Oh, wow. You literally asked Colton to postpone coming today. Because you saw we were moving in New York, so you just wanted to go film in New York with them. Oh, yeah. What is your obsession with New York? Like, I'm excited to go there, too, but this is insane. insane.

Have you ever been to Mississippi and then go somewhere like New York, you'd understand. Well, why would I ever go into Mississippi? Well, that's fair. I understand. So maybe don't be in Mississippi. You have that freedom. We've got 50 states to choose from. Well, it's so cheap to live there and I get paid the same regardless.

Yeah, but usually cost of living follows. No, not for us. Okay, get a better job. Yeah, I need one. Well, maybe. Maybe not in a fuck so lucky. Yeah, I get a raise every 46 weeks. So I'll try to look in the future with that, say, oh, the pay will be good one day.

Yeah, I mean, no, people can have good careers at the Postal Service and there's good benefits and whatnot, but I mean, you're literally stealing from your child, so I don't think that's what I'm carrying about. You stole $10,000 that you didn't even contribute to your kids so that you can go on vacation. Yeah, we were actually talking about when she gets a break in a few weeks, maybe next month. We were actually talking about using the money we get from here and going to New York again. The reimbursement. That's the word I was looking for. That covers your travel to get here. Yes, that's why I went so cheap today so that we could use it to go. back to New York.

You're going a fifth time this year. Yes. What have you pulled his savings down to? My savings, I put $1,000 in there. No, his savings. His savings is, oh, it says zero. So the reimbursement that is a flat rate, because, you know, some people, we just don't want people to abuse it, is meant for people like you that are traveling in to cover the

full cost. Yes. And you're just going to go to New York with it, which, by the way, you're probably going to spend more money anyway? Yeah, but who else gets the chance for it? a severely discounted New York trip. Discounted, meaning you're still spending money that you do not have, well, you have not contributed back

to your kid savings account. If that, let's do a little bit of math. Do you know what the kid? It's so, this is so stupid. Why would you do this? That's so selfish. I would never, dude, this is one of the more, can I be honest, one of the more disgusting things I think I've seen.

If this was just in the overall market, and the market these days, I mean, we're more compounding in the last few decades, like almost 13%, but I'll do 10%. Let's talk S&P 500. know, since it's started, since it's, you know, until today, don't even, don't even put anything else in it. The kid going up to 18 where you could use it as a college fund or pull it,

pay a little bit of taxes and start a business or down payment on a house or, you know, start his life in a really strong way. So that's going to be in 14 years, $10,000, 10,000, 10%. That That would have been $40,000. There you go. Boom, that's the cost of college right there. That's the cost of real good college. Yeah, I actually had, $40,000. That's what I borrowed for college. Yeah, I had a raw, that. six years to grow in the market, but I cashed it out to pay for debt from going to New York. Debt to New, what? How does everything step from going to New York with you?

I like to travel. I like to travel. You like to travel to experiences. You like to travel to New York. Yes, that's my favorite place to go right now. Yeah, I mean, it's the biggest city in the country. I get it. I'm sure it's fun.

It's such a lifestyle shift. It's a lifestyle shift. And for some reason, we don't build other places like that in the United States. I really don't understand. Oh, yeah, I wish. I'll never have that in Mississippi. Every time I come back It's just like

I'm no offense to Mississippi But it's like That's not the place to Like If I'm not mistaken You know Alabama's not great But don't they usually lead analytically Compared to Mississippi

Isn't Mississippi just like the down? I'd pick Mississippi over Alabama I'm sure you would Patriot of Mississippi But I like Like I don't get it I don't get it What the fuck is a boxaluki

Where are you from? Biloxi. I found it. It's right there on the beach. Yes. There's a lighthouse. There's a lighthouse. Wonderful.

It has a lighthouse. Yeah. Yeah, it just looks like a normal little small town, right? Yeah. Very good. Yep, there's a casino. Wonderful. Yeah, there's like six or seven of them.

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We're actually going tomorrow. for a family day. My mom, me. His United Day is. Do you work? I do. I took off. I took off. How much have you spent on vacation this year? Do you even know? Oh, if I had added out, I'd probably say north of 15,000.

Usually all debt. No, not all debt. You took 10,000 out for your... Yeah, well, that was for a different vacation. That was for the one, the two-week vacation. I'm just trying to make memories. That's wonderful. I treasure his younger years. Again. Yes, I would too.

You're going to treasure every year. You're going to want to make more memories when he's older, too, and he can do more. The thing is, and what the fuck does the kid do in New York anyway? I push him around a stroller. He likes to go play. He likes the buildings. He likes to fly on the airplane. He finds it exciting.

Fly on the airplane. Then fly. I'm sure he likes it that we eat out too because all we do. You can eat out anywhere. You can fly anywhere. There are buildings in other places. Chicago's 10 times cheaper. Chicago's actually one of the ones that's on the future list.

We want to do New York during Christmas vibe, you know, maybe after Thanksgiving. So get that little Christmas Eve. We'll do a follow-up with him there. Yes. A early follow-up. I look forward to it. And we'll see how many times he's been to New York since then. Let me guess.

It'll be like three more times by years end at this rate. This is fucking insane. I hope so. TSP deposit. Oh, yes. I took a TSP loan. TSP is my retirement to pay for debt from going to New York. It always stops.

It's a dude. We are not able to have a conversational topic here without going to New York. That's kind of been my thing for the last year. And I kind of let it get away from me. Why don't you guys just move there? If I could afford to, I would. You could afford to live in an outer borough? Yeah, but I went to Queens.

If I'm going to be in New York, I want to be in Manhattan. Well, yeah, build up your career and do that. I don't want, yeah, but my pay is set. So I know. No, you would have to switch jobs. Yeah, I would definitely have to switch jobs. Yeah. I just, I don't know.

Like, if I go to New York, I don't want to have to live somewhere like Queens or the Bronx. I want to live nice, you know, big apartment up in the sky. Look out of Central Park. Right. So you never will. Very good. Yeah. Because unless you build an incredible resume and then switch them, but I don't think you have any incentive to switch from your current job where you are. So it's like, I don't think you're going to be doing anything.

And it sounds like that's kind of the lifestyle you wish you had anyway. Yeah. So you have to sacrifice grind and then build up to that. And you don't get there by stealing from your child. Barring. buddy you haven't put anything back i don't want to here is there an interest rate does he does the kid know about the loan oh no does the kid know about the loan has he put an interest right on it because he should no i figured he was zero percent right now he's losing 10 percent

right now he's losing 10 percent that it should be going into the market he getting to about $40,000 by the time he heads off the college yeah i'll throw him a little interest there at the end no no i don't believe you i don't believe you because because here's the thing you borrow from your retirement to pay off debt build it all the way back up you do you do a debt consolidation or whatever, build it all the way back up, take from your kid, build it all the way back up. There is no way in any way whatsoever you'd be able to give him interest or more if you even pay back at all because all you're doing is endlessly trying. You're just quadrupling your debt endlessly because you always transfer somewhere else and then build up the original debt, meaning you're

endlessly doubling how much debt you have. Okay, great. So payroll, um, was this her payroll too because this shit. No, if that's August, August was a unique month. It was a three paycheck month. and I got back pay. Oh, wow. Okay. So even still with 7,800 coming in, which normally again, we're about three, but okay, that's wonderful.

What was the outflow? Everything going out. I put some of it towards my dead. What was the outflow? We all of it. What was the outflow? I probably spent, not loving your AT&T or T mobile bill.

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Yes, 10,000. So an incredibly strong $7,854 came in via income. $14,554 was the outflow. We still doubled it somehow. You had an incredible pay month. and you doubled it and you didn't even pay back your kid!

Wow. What a joke! I did not realize it was 14,000. That's crazy. Wow. So what have you done? What have you done to try to fix this?

By the way, I know the answer because that's a leading question as I was typed the answer. So you better fucking tell me. Well, I used the back pay towards a little bit of debt. What action? Action.

I've been working on trying to not eat out as much. That's really my thing. It's not going so well. That's kind of my, uh... Oh, you... You know. Oh, Mississippi. I drive by a Chick-fil-A or a McDonald.

You know, I'm from Mississippi, you know. We're not the... Known for our skinniness. So I drive by a chick-fil-A, it's like I hear it calling. You're not fat. Oh, I'm pretty big. I'm like 210 pounds. Well, go, stand up and give us a spin.

I'm hiding it from the... Look here, see. Okay. Well, it's just because I'm fatter. You hold it... You hold it well in your face. Yeah, oh, my face. That's why.

I used to be really skinny, but no, all the Z-Nine out and then having the kid. Well, here's the answer. Yeah, you weren't the one that got pregnant. Here's the answer. You begged your friend to make a budget for you. I did. He and he did, and I did not apply anything. Exactly.

Well, it was so many. So what the f*** what I do? I'll tell you. Of course, it could be using the budget app. However, he downloaded download it otherwise as well. And then when he saw it costs money, which by the way, every budget app does, because every single account you connect. You connect cost us money, so we're not going to literally lose money off of something that we spent hundreds of thousands of dollars to build.

So yes, if you pay a service that saves you hundreds of dollars a year, yes, I think it's fair to give a little bit of money. Okay, but either way, there's a free trial, dollarwise.com to see if you like it anyway. Did you even do that? No. And then he immediately deleted it. He didn't use the budget that his friend built for him. What the fuck can I do? You are a person that steals from your kid.

That's not something I can change. You're a thief in the night. I just try to take him on a... I want him to live... Have a good childhood, you know? I think... What? What?

What? We'll get there. Eventually. In what... What here would suggest that you would for me to believe you? You spent double what came in. Double! Well, I want to do better.

Oh, oh, good! That's why I'm here. You shut the fuck up, get your teeth straight! That's why you're here. You want to do better. I want to do a lot of things. That doesn't mean I'm... doing them. You actually have to do in the action. You have to put in the behavior. You have to put in the

discipline. I want to do a lot of things. Okay? Want is nothing. Yeah. It is the action. Is actually putting in the step? Putting in a plan. Putting in steps along the way that you must execute. Well, I tend to do better with like a deadline. So I figured if I came on here, maybe it would kick me into gear, you know? Give me a little, I have severely lacked discipline. But if I know there's a follow up in like six months, I might be more motivated to do better. Follow up by end of year in New York. Well, yeah. Maybe I can make it work.

Try to budget in the New York trip. We reimburse that as well. You f***. Well, good to know. But you can also zoom in. Oh, well, that's not as exciting. No, it's not, but there's a deadline. You want to get a deadline?

There it is. Before the end of the year. Yeah. I'm giving you three months from now. Yeah. Another reason I want to do better, you know, like, we got our back pay a couple weeks ago. you know, we case mail in the morning and we all talk to each other.

Some people are like, oh, I'm going on vacation here. Oh, very good. I'm putting this in this investment account. I'm buying this. And I'm over here thinking, oh, I just got to put it towards debt. And I'm like, you know,

this isn't fun, you know? So maybe... You're writing about this put towards debt, but he just literally borrowed from his retirement. Like, what put towards debt are we talking about? Are you obsessed with comparing yourself to your coworkers, especially in Mississippi co-workers? I just felt left out, you know?

Like, everybody's over here, getting this extra money, have fun and I've already had my fun and now it's time to pay for it. So I put some of it towards debt, save some of the rest to go towards. Don't you want to go live that life though? Eventually. Because it takes a long time to be

well it doesn't have to depending on, well what's your debt situation? How much debt do you have? Outside of the mortgage. I'd say... We don't even have the mortgage. You say there's a mortgage? We didn't have the mortgage. I couldn't get into my account to pull the same stuff. Right, how much debt do you have outside of your mortgage? Outside of the mortgage, including cars. I say close to 90,000. Maybe a little more, give or

It's 70. Well, I have two, I have a two car loans. Something tells me we probably don't have all the debt. Oops. The two car loans, between the two car loans, the TSP loan, the other person alone, I got to pay off debt. And my credit cards, I'd probably say I'm around 80. $85. Dude, you should be living a good life.

Even your wife combined should be living a good life right now. And now she's just going away to try to bail out the family, which makes no sense because you've tried to bail yourself out multiple times with consolidations, pulling from retirement. and all that good stuff. Credit card transfers, taking from your kid, and then you still built up all your debt again. So what's the point of her even doing this? Because your behavior hasn't changed. So if she goes and makes more money gets benefits, it doesn't actually impact anything because when more money comes in, you're just going to spend it and increase your debt limits because the debt to income for the household looks better. Yeah. Like, well, the point of her doing this, she thinks she's doing a big thing. And she is. But she doesn't understand that it's actually not going to fix the root problem. Want to know a dirty little secret. And no, I'm not.

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Yeah, she's been really getting on to me for that. We were arguing the other day, and she was telling me, like, she has to leave her son and leave us and our dog to try to help me get out of this one. I need to. This is, like, what the f- She sounds like she is just being traumatized right now.

Yeah, she- By you. Yeah. How often is she down? Because of you. But she just, like, down mood? Yes. Oh, probably every day.

We argue about something. She's always in a bad mood. I've kind of grown a little used to it, so it doesn't phase me too much, but, you know, she says I stress her out. Wow, and this is going to, there's going to be lots of longevity

in this relationship, isn't there? I hope so. Distance makes the heart grow fonder. Or it makes her realize that she's happier. Yeah, that could happen too. I hope not, but it could. Why the fuck did she marry? I'm so confused.

If she's literally down every single day, I feel like she's settled and then she, come on, be honest. Okay, this is going to be a brutal question. But try to answer from the bottom of your heart and from the bottom of your brain. Hit me with it. Do you think she's actually sticking around

just because of the kids? The kid. Potentially. I feel like she does care about me and she wants me to do better. I'm sure she has care. Yes. The day she quits yelling at me,

it's the day that I should worry. She yells at you every day. Well, she did. She's been gone for a couple weeks now. I can't talk to her as much. It's more her talking to the kid on FaceTime. Dude, that's crazy. Yeah. That is crazy.

The day, I'm not only in you you have to be worried, meaning she yells at you every day, meaning this relationship's and she is sticking around just for the kid. And I'm not saying she doesn't love you. She probably cares for you. But loving someone doesn't mean you're going to be there forever. Because she has to love herself as well, and she's probably,

she's like this relationship's pushing over the edge and she might be better off alone. I don't want to see you guys break up, especially with a kid being in the household. They really don't. I want you to change this and it get better. But I wouldn't be surprised if she would be better off right now if you weren't there.

Yeah, she says the same thing sometimes. She also gets on to me from my weight. In your response to all that. Like I said, I kind of just push it out. You know, I get real anxious about a lot of things. So when we're arguing, I get stressed out, I'm just like, you know, yeah. Me and the kid will go visit my grandparents. We'll go hang out.

We'll go do something, you know, let her cool off, come back. She's in a better mood. Dude, this is the least. This is so unhealthy. Do you not know how unhealthy that is? Yeah. You know, she's a Vietnamese. You know, they're a little feisty, so I figure this is just how she is.

I know she wants me to do better. It's just. Vietnamese. Was she born here? Yes, she's from here. Her parents aren't. We met serving sushi together at a Japanese restaurant. It's like seven years ago.

It's romantic. And I'm sure she regrets everyday since. Yeah. She might. This kid. She loves him. Yeah, I love him too. I want to do right by him.

Let me see a picture of her. Of her? Yeah, not the kid. I got pictures of my dog and my kid. Let me see. But you don't have pictures of her. I got some in here somewhere. She doesn't post.

She doesn't do social media very much. You can see her in my profile picture, though. That was in the Bahamas last year. She's a cutie. I don't understand. I don't understand what the fuck she's too. She's very, very fit. Very into her fitness.

That's why she gets telling me about my weight so much. But, you know, I eat a lot, so. Have you, do you listen to her about anything? Like, what the fuck is this dynamic? Sometimes. Like, she probably feels like she's talking to a brick wall. Yes, she has said that. I know.

But, you know, I feel motivated for a couple days, and then it's just like back to my normal habits. And she just, it's like a never-ending circle. She just gets on me. Dude, but that's not good. That's not good. And listen, I'm not saying, like, every time a spouse has an issue with the spouse, they're 100% right. Obviously not. There are things where it's just like opinion-based, whatnot.

But it sounds like you're not changing literally anything. And she's definitely valid in the financial conversation. Well, you know, I- You stole from your kid. That is not something we should get over here. borrowed long term borrowing from a kid is also disgusting yeah from a four year old that's disgusting yeah well she you know she left you know I told you I do a little better with

deadlines so she's like I want you to get this debt done by the time you're 30 because we don't know exactly when we can move to her and everything so it's a beautiful family I'm trying to do better I'm trying to get done by your guys is kid like it's this is what you know this is what people dream of this is like beautiful and you're fucking it you're destroying the whole thing yeah I want to do better the whole thing. We'll put that picture in the video

with their faces either blurred or not blurred depending on the consent that we get after we film. But just the picture itself, I mean, it's just like you have something beautiful and you're destroying it. You're fucking them over in a selfish, disgusting way. How much did you spend going out to eat last month? $700? $700? $750?

Well, last month, well, New York would be in there. I would say $1,200. $1,214. Oh. Oh. Who mean? Yeah.

Eating out's my thing. That's insane. I told you, when I get anxious, instead of, like, I don't drink, I don't smoke, I don't vape, I don't zen, I get like a McDouble, a little $6-dollar McDouble meal, some fries, some nugs, Diet Coke, smooth sailing. You have to find other coping mechanisms then, if that's the actual reason. Like, yeah, like, I eat my stress away. It's expensive, but, you know.

I'm kind of like addicted to the fast food at this point. No shit. That's as clear as day. Yeah. That's another thing that you're just, you're just like, you have to, you have to fight. You have to just, you can do it cold turkey in it for a couple weeks. Like, it's like you'll crave it hard. It's not like you have withdrawals like opiates or anything, but you'll crave it extra hard.

Intensely. You'll crave it very hard. Absolutely. But two weeks later that's gone. Yeah, I went a week one time without eating any. One time without eating fast food. and then my, as a fat fuck myself, that's insane one time. Well, I grabbed some after work.

I had worked 12 hours. I was tired, went through, drive-thru, and after that it was like a relapse, you know, back into the nugs. What do you think your financial score is zero to 10? Zero being the worst, 10 being the best. Oh, it's a zero. I took your test.

If you want to take that test, it is free. See where you stand where you need to improve where you're doing well. Take the assessment at Calebhammer.com. And again, if you do not want to be like a guest who ends up on financial audit, You gotta sign up for my preferred budgeting app, the one that powers this show and changes tens of thousands of people's lives, the dollar wise budgeting app. Take your free trial today at dollarwise.com. Remember, if you sign it for the annual version, which saves you a lot of money, I'll also sign a budget-friendly cookbook and mail it directly to your door. Okay, dollarwise.com, literally we have tens of thousands of active users become one of those.

People are changing their lives and the updates that have been coming out have been incredible. So if you tried it when it first came out versus now, go ahead and give it another chance. we were adding updates every single week. It's amazing. Okay, let's get into this first document. This is that you're lucky your credit line is high, but this balances, this balance is ridiculous. For your income, this is insane.

Discover it. Tell me what's going on with this card. That was my main card, you know. I put it on the Apple Pay, made things easy, you know. You're double-clicking. Oh, easy. You're just double-clicking away this card. Tap, tap, tap.

Your entire future, you paying back your kid, double clicking away. Yeah, you can even put it on the watch, so it makes it even easier. Dude. $6,807.61 cents. Oh, it got up to $8,000 since I've sent those statements in. You didn't know that, Colton? That's crazy.

That's crazy. Yeah, sometimes I take it off the Apple Pay because I'm like, I got to quit using this. Take it off the credit card person in any way whatsoever. I don't even face that a question. No. It's only got up since you said the statement is insane. What's your new minimum fee payment? Minimum last time I checked was around, I think it was like 80 bucks.

No, it's 160 here, you f***. And the balance is gone. I don't really look. I'll just pay it. You don't look, you just pay. Let's find out. Doubt. Listen, before the balance went up, before the balance went up, before the balance went up,

before the balance went up, minimum monthly payments only, without doing any purchasing, which, by the way, oh, you do. This took 28 years to pay off. You tell me you're giving your kid back their money by the... That was gifted from family and friends. Not you! You're telling me you're paying him back before he's 18,

but this takes 28 years, now probably like 35 years, to pay off if you do not purchase and, oh, you purchase. $1,276.52 cents of purchases. Wow, I did not realize. Better be some good memories, you dick. I have never had a late fee, though. It gets paid. My payment history is 100% on time.

I have good credit score, just bad debt. You have a decent credit score because the household income is halfway decent, and your credit line is huge on here. Yeah. Huge. But the fact that it is going up, You are halfway to the credit line at 8,000.

This will be 16 before you f*** know it. And I'm sure you've gotten pretty darn close before you've done consolidation in TSP loan and bullshit and take it from your kids. Yeah, that's usually the one I run up the most. I've paid it down a couple times. I'm sure you have, big guy. Oh, I'm sure you have.

$139 and $39 in interest alone this last month. You made you minimum only and then purchased a trillion dollars. Shoes station. Oh, yeah. Wonderful. Game exchange. Yeah, I like to take my nephew in there and he'll buy Pokemon cards and stuff. And he gets me cash.

He gets me like, it's like 10, 12 bucks. Usually sometimes 20, he'll give me the cash. What do you make a profit off him? Because this was only 256. Oh, well, there's multiple transactions sometimes. It depends on when we go in there. We haven't been in a while. Chili's?

I love. Chili's. Bamboo? Shoo station again. Hey, the bamboo's for the wife. Gotta keep her happy sometimes. She doesn't live with you anymore. and if she's lucky she never will again.

What is the bamboo? Why? Because she's Asian, you racist freak? It's like the Boba T stuff with the little bubbles. He's racist. I don't drink it. Let's talk about how phone carriers basically rob us. They charge over a hundred bucks a month for service that still drops the second you step into a basement. And we're just like accepting it, I guess?

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easier. They've got a free tool, yeah, actually free, called the insurance checker. You just upload your insurance info and a few days later, Roe sends you a clear report. that shows you which GLP1 medications your insurance may cover. That means no guesswork, no endless phone calls, and no need to Google what does a formulary mean? And even better, you don't need to be a Roe member to use it. And if you do become a Roan member, they walk with you the whole way

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That is R.O.c-O-C-O-C-O-Sash-Kalb to see if your insurance covers GLP 1s for free. And of course, go to Rode.com slash safety for box warning and full safety information about JLP1 medications. Let's get back to the episode. That's racist. I'm a Diet Coke. If I'm drinking something, it's Diet Coke or water. Not bamboo.

Hey, it makes her happy, you know. Yeah, well, she can probably afford it. You're going to get into an undet that you can't. You said she doesn't have debt. You went into a gas station and got some bullshit. Say you getting in your can. Lovely Diet Coke can. I usually get the fountain one.

Dude, this makes no sense. Because even though that is cheaper than most gas station purchases, you know, most people go in there and get like a $3, $4 a red bowl. But even that is more expensive than this. Dude, get on this shit. Get on this shit. There's a caffeine version, energy drink. Or there's a hydration drink version.

The thing is, you use that, the gamer subs. Whatever flavor you want, there's like a trillion flavors. I'm sure they probably have a cola flavor, diet cola, whatever, I don't know. Get that shit. It is 25 cents a serving. It is like making coffee at home instead of going to Starbucks. Do it. Get it now. Yeah, I'll give it a go.

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Okay, how about this? I will get you some free samples. Everyone in the audience gets free samples at the link below. Okay. And 10% off if you decided to purchase the whole 25 cents. serving tub. Okay? Yeah. I'll give it a go. Do that instead of the stupid bullshit stopping

at gas stations and getting cunts. Okay. Stop, okay? Sure. It's ridiculous. You just can't afford it. Oh, fuck. You recently bought an AR-15.

Not really thrilled when I see a blue-eyed dude buying an AR-15. Yeah, it was a gift to myself. A few months ago, I, uh, I've been one-in-one, you know, all the crazy stuff. They just get more expensive every time. something crazy happens. So I was like,

oh, let me go ahead and get it. It's mounted on my wall. You gifted it to yourself. Yeah. Please tell me you're not gifting the bullets to anyone soon. Oh, no,

no, no. We just go up to range. People be writing messages on them these days. No, no, no. We have a range up in the woods up the road and we go up there and shoot.

It's free, so. What? Yeah, but the AR 15 and ammo isn't. How much was that? It was on sale. It was like $5.50 before tax. Bullet. I spent like $100.

You couldn't give that to your fucking kid, you asshole. Yeah. You asshole. What is wrong with you? I actually bought my brother and won two at the same time. I don't know if it's on there or not, but yeah, we got two at the same time. He couldn't do it, and I was like, you know.

You can't do it! I know. You owe your kid money! I know. Looking back at him, like, yeah, that wasn't too smart, but I was feeling generous, you know. Oh, my fuck. Oh, my, dude, this is insane. Burger King.

Burger King, you stopped it and got some bullshit. for $5.55. It's on my mail route. It's right there. What, Burger King? I really don't like Burger King, but it's... No one does. Speak for yourself, motherfucker.

It's Burger King or Papa Johns, and it's not that great options. No, it's not, so do neither. Pack yourself a sandwich, you f***. I did recently learn there's a Popeye's on my route. I do like Popeyes. I deliver on a military base, so I went to the other side of the base,

and, you know, so... I'm trying to have to go to Burger King anymore. I don't think anybody really likes Burger King. No! But the French toast sticks before, what, 11 or great? I like the little cinnamon things. A little cinnamon. The cinnamon is my weakness, okay?

Every time I'm in the year. You're gonna get fat. I'm there. You're chunky. You're not like obese. You're definitely overweight. Yeah. You might be obese.

Light scale. I think on the medical, like medical turn, yeah, I'm morbidly obese. You're not morbidly obese. It says that should be like 155. I'm like 5 foot 9, 210 pounds. I think I have a lot of physical. real fat. That's what my wife says. If you're 5'9, 2.10, you're obese. Yeah. I'm a short king. No, you're an average king as I am 5'9. We are the average American male in the United States.

Thank you very much. Today, we're finally driving the truck. 59 is the literal average. Okay? Now listen here, Mr. Frodo. Don't get short with me. Also, the average is 10 pounds lighter than you. So just get there and it'll be fine. And then you'll actually be overweight. Yeah, wow. You'll go from obese to overweight at about 200 pounds at 5-9. I was 220, but I took myself off my Lexapro. It dropped me 10 pounds. I was on the, for my anxiety and stuff, and I just didn't want to take any more, so I stopped. Is your anxiety worse? Oh, yeah. Okay. But I don't like that stuff. It makes me feel funny. Sure. I'm pretty sure there's a correlation between that. But you know, if it makes you feel funny, you talk to your doctor and you find one that

works with you better. Then I get anxious about taking new medicine. It's just a whole ordeal. I actually, I do get that. I go through that. You stopped and got a gas station bullshit. $5.55. Gamer subs, asshole. Get your free trial. Okay, that one's gas, the next one, I think. And then Domino's.

Stopped in, got some bullshit. Stopped in, got some bullshit. Dude, this makes no sense. This makes so no sense. Frugals? But you're not. Yeah, that's a grocery store. Yeah, but you stopped in and got something

for $13. I doubt you got groceries assholes. Yeah, we were making red beans and rice at my grandpa's house, and I needed the... The sound. The sound. Yeah, I went to see a skillet concert. You know, skillet?

They're from like 1996. They're still around. It's like a Christian rock band. Really good. Recommend the show. They put on a great show. My dad and I went. The Salt Sand Barbecue.

Panda Palace buffet, 75 bucks. GameStop. It's a rarity. GameStop. Buy you, view, quick stop. Well, he went and got some bullshit. Japanese Express, Popeyes, well, he found it on his route. Waffle House stopped in and got some bullshit gamer stops, asshole, 25 cents to saving.

And Jimmy Johns. Yeah, I like Jimmy Johns. Sparing the subway. Everything is. There is not one restaurant that is not better than subway. Well, I used to have a subway on my route and I could eat lunch there for free. That's terrorism, okay? That's terrorism.

It was awful. It's horrible. It's the worst restaurant ever created. I don't know how literally anyone goes there. Yeah, I mean, $400 an interest is here so far at the time of the statement, and we know the balance is higher now at a 25.24% interest rate. Yeah. Now, if you do have health anxiety, the question is,

why are we coping with fast food? Because that makes your health worse in every way. Because being fat, myself, I got about five pounds on you. Okay, I'm on the way down, but got about five. Okay? Gotcha. Thank you. Always, always, yep.

but being healthy decreases anxiety. It decreases like almost every bad mental health thing in general typically. Yeah, the few times I try to exercise, I get my heart rate up and it feels like my heart starts skipping and I get real anxious and I'm like, nope. I know that.

As someone that literally goes through that, that means that that is clearly something. So what happens in that moment? As, you know, I've gone through like panic disorder therapy for quite a while. and I can actually recommend for someone for you if you'd like, but he's on insurance,

so it works. That is clearly, you just start freaking out about that. You like notice that, then you think about it and then your mind goes to the worst or the worst instead of what you should be just telling yourself is, oh, this is normal, I'm working out, this is not a bad thing, I'm not in danger, and you just have to sit

through the anxiety and the anxiety goes away. The only way, unfortunately, to get through a panic attack, I'll tell you, is to literally just sit and wait. Yeah, it's all the only way without medicine. There is no running to go fix it. There is no fast food to go fix it. The only way to do it is just sitting and letting a go, okay?

Yeah. So work out. Let the heart rate go high. And when you get anxious about it, tell yourself it's normal and there's nothing wrong. Yeah, I'll give it a go. You just have to go through the process and make sure you take control of your breathing. Yeah. I can get you a guy if you want.

Yeah, I can get a guy. Kessler Federal Credit. It's a Kiesler. some reason, Kiesler, wonderful, for some reason he cannot figure out how to send this statement over, dot, dot, dot. He may be stupid. Yeah, no. When I pull up my from my Kessler, that's our federal credit union. Oh, and this also went up since you literally spoke to Colton last. Well, to see this phone right here, the battery's shot, right? So I have to keep it on this thing or it'll be dead in an hour. So I got me an iPhone 17 Pro Max. And the orange. Me too. Because

I can afford it. Asshole. Yeah, well, you know, I got T-Mobile and they give me... Me too. They can afford it. Asshole. Yeah. Trade in.

That means you owe on it. Come on. Well, yeah, but it's only like $25 a month. A month for... For two years. Yes. But I got like $700 for this phone. I couldn't get it like that selling it.

Can you at least pull this up on your phone? Your special phone? Do you have an app? Yeah, I can show you. I know the balance. It's three... Show me now! You are not a credit card person.

Use the FIS card. debit card that builds credit. That's all I can trust you with. Other than that, you need to close these accounts, man. It should be like $3,500. That is it. It's mainly... Pull it the fuck out!

It's mainly just Chick-fil-A. Oh, goody. A good Southern boy. My car insurance, you know, so I've been trying to, you know, pay other things, so I let the car insurance charge to that card. That just pay the minimum. I get it. Chick-fil-A's good.

Get the grilled sandwich. It's better for you. You could take it off the charger if you need to. It's just, it has about an hour, and it'll be dead. $3,574.83. That is what is owed on here. With a minimum... Should be like 90-something if I had a guess.

Well, you couldn't guess the last one, so I don't think I believe you. If you back up one screen... You back up. And then scroll down. I think my mortgage just pulled out there, too. Yeah, keep going. Yeah.

This one. Yeah, it should say a minimum down there under the numbers. 92. You were actually somehow right on this one and horribly wrong on the last. I pay them all. I just don't look at them because they change each month. Okay. Chick-fil-A!

Today! Last night. It's just pending. What about your kid? Is he not eating everything you eat? Oh, no. He wanted chick-fil-A. He loves the spicy chicken sandwiches.

It doesn't matter what he likes, though. It doesn't or what he wants. It's your kid, you want him to go down the same health situation as you. Yeah, I've thought about that. He's just, he's at that age where he's so picky, and, like, he'll literally not eat if I don't get him. You may have to scroll back up. I got a cheap...

Where's the screen recording? I can add it on there for you real quick if you want. I got a cheap screen put in this thing. I think that's what fried the battery in it. Got a cheap screen put in? Yeah, because my screen went out like six months ago. And I went to the guy at Walmart. At Walmart.

Not Apple. No, because Apple was $330. You didn't have AppleCare. No, because I don't ever get Apple Care. Well, maybe learned your lesson. Yeah. Because he put an LCD instead of the OLED, and it's ruined that phone. And now, because he didn't get AppleCare, you're getting a $700 phone.

Chick-fil-A, Chick-fil-A, Chick-Fillay, it's every day, by the way. There's State Farm, Chick-fil-A! Mississippi Emergency? Oh, yes, I actually ended up in the emergency room a few weeks ago. I had real bad sinusitis. It's what the doctors told me in my sinis. Did you just call me sinus? That's what they called it.

So my sinuses are all in flame, but... Is this contagious, asshole? No. No, it's more of like a long-term thing. I just have to deal with it. It's like allergies really bad. They put me on a bunch of meds, but I was so short of breath. No, you love those.

So they made me go to hospital. You sure you weren't having a panic attack? No, I'm sure. Okay. I can usually tell the difference. Chick-fil-A, Chick-fil-A, well, that's usually the thing is you can't. That's why it's on... Chick-fil-A is the one I have, I have that card linked to the app.

Chick-Fleet the app. Delete the app. Yeah, I think about it. It's like McDonald's. I've deleted the app probably 100 times, and then when I want it... Throw away your phone. I just redownload it. Team Mobile actually downloads it quick, so, you know, if I get off work, I'm like,

oh, I want it, oh, I deleted it. I just, it's ready by the time I get there. Oh, we love Chick-fil-A more than our kid. That's great. Chick-fil-A. Chick-fil-A. Chick-fil-A. Chick-fil-A. I don't really use that car.

That's why it's all you see. Yeah, you don't really use it. Chick-fil-A every day. Just, shut the fuck up. This is insane. Chick-fil-A, let's see what else is going on here. While we're on here, Go ahead.

Oh, okay. Before you go through those, I'm on the same account as my mom. The only subscription... Apple Music, Google Photos, ICloud Plus, Net Short. The only subscriptions I have on there is... Yeah, and when you deleted it, dollar-wise, you... Yeah, well, it was really laggy. I talked...

Not anymore. Yeah, he said, y'all fixed it. So I actually red-downloaded it. We came up with... We fired our whole external team that essentially built it, and we bought them out, and now we bought in, like, top players from the budgeting app field.

We stole people, and now we're on track to make the best budget in that by your send. None of those are going to be mine. It's just music and the Google photos for my, that's where I back up all the pictures of my kid and my dog. And my wife. Can't forget her. She's last. Oh, okay. And with that Amazon app, there's about eight of us that use it.

So just a heads up. How do I know? I can tell you which ones are mine. If you see all the phone cases that are returned. So you're just buying phone cases? Like a passion hobby. I couldn't decide. I returned them.

Got a different one. Oh, okay. I don't know. Yeah, we all split the Amazon account to save the money on paying for the prime. But I hear they're talking about changing that to where it can only go to one address, so that might mess that up. I saw it on Facebook the other day. I don't know if it's true. I would not trust what I see on Facebook.

Kind of like Netflix, so you can only sign in on... Yeah, but that doesn't make sense. I order things to the office, I order things to home. Well, that's what we said when we were talking about it in our group chat. It's always good, throwing Facebook information around in a group chat. It's always very reliable. Yeah. Disney rewards.

Well, you said you went to Disney, right? Yes, I got that one last year to get a discount on the park tickets. Uh-huh. It's easy to get them because my credit was around the 800s at the time. I think when I bought my Tesla, it was at 80. You have a Tesla. Yes, I have a Tesla and a truck. What?

Well, they're both in my name. One's for my wife, one's for me. Which one? The first Tesla is hers. The first Tesla? I had bought me a Tesla before I bought my truck, And after like three weeks, I was like, I don't like this thing. So I traded it and then got my truck.

Which one? I got a model three. I think I was a little too. You didn't like the model three. No, I was a little too big for it. It was a little tight. I love her Model Y. Yeah, that's what she has. It's in my name, and I pay for it, but it's her car.

You pay for it? Yes, I pay both the car payments because she pays for the daycare. That's so weird. $2,632.42 on here. Minimum monthly payment, $66. $10 years minimum fee payments only without purchasing. Oh, we purchased. Oh, baby, we purchased $1,341.

$40. $40 and $61 of interest accrued. That's just moronic. So you open this to go to Disney. Yes, I used it. How much to Disney cost last year? Because that's not what we're spending on now. Well, the cruise actually was free on that trip.

So we went to Disney the week before. So all my expenses from that trip were just from New York and Disney. I'd only spent $50 the whole cruise because it was all comped out from the casino. So, Disney, I'd probably say two grand between eating and snacks. And of course my kid had to get toy. You know, he loves toys.

You listen to him for everything and then drain all his savings. That's wonderful. That's great parenting. Oh, Japanese Express, Santico's Grand Dibb, Jimmy John's Waterburger, going in and getting some bullsh. Waterburger. Cots, delicious.

Tony's Pizza Cat's deli That's in New York Hot pot Have you been to New York yet? Mm-mm Okay, when you go You gotta go straight to cats

It's wild I've heard of it It's Pashton Dintai Fong Careful Yeah And you gotta go there too It's great

Hold on That was almost racist Raising Cains No we We love racism Don't we You do You're from Mississippi

I'm not racist I'm a fake way My wife is 50-50 I'm not racist Did you just pull I have a black friend on me? I have a few. No, I don't do color. Everybody's equal. I had to clear that one up. He doesn't do color. Look, I'm from South Mississippi, not North Mississippi, okay? That means

nothing. There's a very big difference. If people from there, they'll understand. What about the gays? You probably hate the gays. No, I got nothing against gays. I hope not because Colton's a gay right next to us. No, they don't bother me. It doesn't affect me so I don't even think about it. Colton, do you feel homophobia coming from him as radiating homophob? No. Okay, you've been given the pass. Appreciate it.

Not yet. No, no. I don't judge people for that stuff. I promise, I promise. Quicksilver. What's going on with this? Quicksilver. Um, I haven't used it as much in a while.

I got the Saber one card too. Right, that's why instead of spending $1,500 on this card, like all the other cards, he only spent 256. Yeah, I don't use it as much. I got to put something on there because... You gotta. I just gotta. It can't...

You know, that I was always told to use it for something. No, that way... You could not spend on it for at least a few months, you'll be fine. Okay, yeah, I didn't want them to just randomly close it one day. You know, and it shut me down. Dude, I want you to close all your cards. You can't be trusted with them.

Yeah, it'll fuck your credit, but you already have a house anyway, so why do you care? And the thing is, it doesn't matter because this is a tool. Credit cards are a tool, but let's say it's a hammer. A hammer's meant to put in a nail, right? Put a nail in. But if every time you use that tool,

you're swinging back and hitting yourself in the eye, don't pick up a hammer. You can't use credit cards. You're not a credit card person, dude. No, I'm not. It used to be, but that's a long time ago. And that doesn't matter then. Because if you were a piece of shit a long time ago,

but you're not now, I also wouldn't judge. Yeah. I judge on what you're doing today, and what you're doing today is six years. This is the shortest years to pay off a credit card. And it's six years. I just, I don't even know what's on that one at this point. And you tell me you're going to put back in money for the kids.

I will. In what way through everything we've looked at so far and we're not done yet? I got to do the snowball. Start with the small ones and build it up. Okay, great. You know the snowball method exists. I'm thrilled. In what way through everything we're looking at suggests you're going to ever pay him back

by the time these are paid off? You've spent on every single one. The longest one takes like 35 years to pay off. in what way are you telling me you are going to put money back in his account which should be about $40,000 by the time he is 18 and 14 years. Yeah.

I may have to stop at some point pay the minimums and just pay him first just to make it right. Because it wasn't your money to begin with. You didn't put it there. Your family and friends did it. Only about half of it. I'd say half was from me,

half was from them over the years. Lucky he has mother. Yeah, she's a good mom. Yeah, sounds like it. She's going and signing up for the military to get free. schooling and everything just to take care of her family because her husband won't. Yep.

That's what helps motivate me to do better. It's my goal. I want to do better. Maybe. My motivation would be I want to make sure she doesn't get fucked by a dude on the base, which always happens. Hey, if a tree falls in the forest and nobody sees it, did it really fall? Is that the conversation you guys had? You're okay with having sex?

No. Are you guys open? Open's okay if it's established. No, but, you know, I just, happy life, happy life. You're okay with her getting... I wouldn't say that. specifically, but, you know, I'd be, like, upset, obviously, but, you know, I'm so down in the dirt with her, you know, I wouldn't, I wouldn't be surprised.

Oh, she's going to kill me. That's crazy. No, she really wouldn't do that to me, but she said... Maybe, I don't know. No, her, no, she said what? She would never do that. She, um, she said when she quits yelling at me is when I should worry. Yeah, we heard that one already.

Yeah, she's still yelling. But she's not there anymore. Yeah, just a few weeks ago. Have you cheated? No, I will never. You seem so nonchalant about this. No, no, no, I'm not, I don't cheat. Never.

Never have, never will. I do love her. I want to do better. I want to do right. You don't. I know. You don't put any action in. Yeah, I'm going to.

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was a behavioral change of indication that I'm seeing in here, that would suggest that you'll go further down to change a bill. Okay, maybe. But no, this was all, dude. This is a fuck you stole from a four-year-old. Come on. Bard. Long-term borrow.

$27. Minimony payment, balance, $960. borrowed is borrowed if you pay back you're not paying back I will eventually I don't believe that based on this I really don't 256 hours of purchase 755 cents let's see interest charge $18 31

cents he had a service fee on here for utilities yeah they put it on a credit card yeah when you put it on a credit card right I don't do auto pay for anything so I do it Spirit Airlines Spirit yeah it's probably New York Travel Guard group. It's cheap.

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I was like pre-approved. It's got a little bit better cashback than the quicksilver. Dude, you are not making that math work at all. Cashback? What are you talking about? You were losing so much more in inches than any cashback. At best you're getting 5%, but you're still losing 25% on interest. I see that now.

I figured that out recently. I used to just look at, you know, Oh, I'm getting cashed back. Not a few weeks ago. You know, I really started looking at the bigger picture. I was also being told you spent a ton on, like, figurines, collectibles, Pokemon cards, lightsabers. Yeah, back in like January, you know, I was feeling anxious.

You know, I like spending money and stuff. So I went on a, well, you know, I have a three-bedroom house. Goodness. We only use two of them. Pause. Go ahead. What does that say, do you guys even see this? Does I say eBay on there?

It's all. McDonald's. There is not one in here that is not McDonald's. Okay, 90% of that. Ladies and gentlemen, this is insane. Yeah, that's the one I put on the app in my old... I had a different route. It was right next to McDonald's. Whoa! Most of that is breakfast.

Okay, keep telling me about the fucking cards or whatever. You're nerdy shit. We'll get back to this. Well, I have a third bedroom in my house that we weren't using, so I made it into my office. And so, of course, I wanted to deck it out. He's a service person, by the way. Yeah. He needs an office.

Yeah, that's just what, it's really in my man cave. It sounds more official when you call it The Office, you know. So I have, you know, Darth Vader helmet on the shelf, a bunch of lightsabers, My Hero figures, some Pokemon cards. I got rid of a bunch of them because it just weren't doing it for me anymore. I got bored of them. So I sold them, but I kept a few of them, you know, I got... What if you spent on this bullshit?

I'd say about two grand, if I had a guess. But it was really condensed. It was back-to-back. It was like a kind of like a month of just like, let loose and just eBay. That's insane. 2000 and a couple months for all this shit that you don't even care about anymore?

Yeah, I got rid of some of it, but most of it's still on it. How much have you gotten by selling? Um, I probably got about 8, 900 of it back. Still negative, but better than it was. Oh,

okay, all right. McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's, McDonald's.

What the fuck? A lot of that's Diet Coke and... It's more than just Diet Coke. There are more prices in here again. And again, 25 cents of serving, you asshole. 25 cents! Well, they do double points for breakfast, so I would, you know, I get breakfast four days during the week, get the points, and then on like day five, I get a free biscuit.

You know, over the course of the week, it kind of breaks it down a little bit. Makes it a little cheaper overall. But yeah. Most of it's breakfast. Some of it's not. I'm a sucker for the McDouble meal. There's probably another page to it. There's not.

Okay. That's crazy. That is insane. As a McDonald's fat, I love myself. Yes. And oddly enough, my girlfriend's fit.

Very sportsy. And we like good food, but her literal favorite restaurant is McDonald's. Like, I get it. Oh, I love it. get it. But this is insane. This is every day. That is once a day for the entire month. That is insane. I've never seen anything like that in my life. What the fuck? What are you? Because you spent also money going out to eat that same month on multiple other cards as well. You're eating out multiple times

a day. You're stopping. Oh yeah. This is crazy. Yeah. Some of those are, um, you know, Like I said, some of them may just be a large fry. Or just a diet coat. But it's insane. It is still money. It is still calories. It's still bad for you. It adds up over time.

You don't have. Yeah. It adds up. You're, what was it? $70,000. None of it was an asset? No. Or at least a crewing asset.

Promise you, your Tesla, it isn't. Oh, no, definitely not. It's definitely gone down in value. I looked at the Carvana thing a few weeks ago. Because she's leaving, so she doesn't need it for a while. Yeah, I, I love. I love my Tesla, but they go down in value quick. Yeah, they definitely did.

You have to get it as a want and just treat it as a toy. It's a great car, but it's just expensive. You're the first one to say that on this show, by the way. Oh, I love it. I should have just bought me a Model Y when I did, but that three was just, it wasn't it. I didn't even have it all the month. People like to hit on them who haven't driven them. Now I don't give a fuck about the politics around it.

Oh, they're great. Because a lot of people trying to make it about that. Just plug it up at night and it's ready to go in the morning. Preach. You can't afford it. She actually probably can, but. Yeah. She's talking about taking over the payment now that she's in the military.

Help me put that. Because it's five. What the fuck is this? That looks like... What am I looking at here? Principal balance of what? Discover payoff schedule? Oh, yeah.

I took a personal loan with Discover back in like January or February to pay off my Discover credit card. Yeah. The one that's at $8,000. Yeah. I ran it back up. It was stupid of me. You f***. Yeah.

I, uh... Dude! And, you know, I thought I was being smart because I put it on a couple, like, two years or three years. I think everyone in Mississippi thinks they're being smart. Yeah. I've heard that one before. But, you know, I thought I was...

We love Mississippi here. I thought I was doing a good thing. I will never step foot. We love them. Oh, come through on the coast. It's not that bad. It's really nice. Like, Ocean Springs is really nice.

You know, there's a lot of coast to choose from in the United States. Yeah, no, but it's like a nice little pocket area. It's not too bad. Not too bad. It isn't the review. I want when I'm choosing. I wouldn't live there if I was you, but I would visit. California.

We have cruising the coast next week. Washington, Oregon, New York, South Carolina, North Carolina, Charleston, Florida, Beach is Miami. Gavleston. Like, what are we doing? Corpus Christi, South Padre Island. Yeah. Traverse City, Michigan, Chicago.

Yeah, I went to Myrtle Beach once. It was nice. Middle Beach is the city I've ever been to in South Carolina. That was like 10 years ago. And I've been all around South Carolina. That was our vacation spot when we would broach. Oh, the beach is a shi-hole. Well, the beach is not. Our beach is awful. We have barrier islands.

You're really selling it. Yeah. It's nice. If you're from there, you'd understand. No, Charleston's great. Murl Beach, fuck that hell in that island. That's great. Okay, this is insane. What's the interest rate on this? I want to say it's close to 10%. I did a shorter term because I was like, oh, I'm going to get this paid off and do better. Yeah, that's great because now this is like, $400 a month.

Yeah, I don't know how you're affording this. It's $3.95.88 a month, but it's it means. minimum with the balance being $9,842.53. Yes. I was working a second job just to pay that. Really? What was it? Why'd you stop? I was working with my wife at the Japanese restaurant. She used to work at it.

Oh, that's what she did right before signing up? Yeah. She was the server. Oh, okay. She is taking a big job. It was right across the street from my post office. So I would just go there after work some days and work. But they hired a couple extra people, and so there weren't that many shifts.

So I was working like once every two or three weeks. So it wasn't worth the trouble. No offense. I wouldn't be getting sushi from you. Oh, well, I didn't make it. I'd just give it to you. I would be very disappointed. Yeah.

Now, she pulled up. I'd be like, I trust this much. Yeah, I'm just a fat white guy serving sushi. This is ridiculous, man. And yeah, it's all going to, that's just, you know, the interest is heavy. Okay. Ford Maverick.

Yes, that's my truck. That's when I got rid of the Model 3 for. They were having, uh, I got off work. I was driving to pick up my kid. Oh, so too electric. It's hybrid. It's a gas. It's a gas.

I don't have to plug it up. It's a little truck. Minimum monthly is $5.50. I pay $5.50. It's like $5.25. Well, $5.25, asshole. You need to prioritize where money's going. $5.25.

What's the interest rate on this? I want to say it's close to 9%. My credit union, see, I got the... We had a Honda Civic, though. We had for like five years. Yeah, it had a big electrical issue. it was like six grand to replace it. So I was like, I was like, no.

That doesn't mean we go get a 32,000 hour car. Well, you owe 31,92,093 cents. Well, I would have had to put that on debt, like a credit card because I didn't have the money to pay for the repair. And it was more than the car was worse. So I found that Model 3, it was only $22,000. It was a lower payment. The insurance was really high. But after like three weeks, I just hated that car.

It was awful. Too small for you. So I went, I passed by them on the way to get my kid. And I saw they had the Maverick because they sell really fast. because they sell really fast because they're cheaper than like the big trucks. And I went back and forth with them for about four and a half hours. I ended up getting all the money back for the Tesla in my trading. Come on.

What are we talking about here? What do you think this car's worth? About 28, 29,000. 26, by the way. We've done the check. You owe $31,992. With a minimum fee payment that you can barely afford $525. Like, what are we doing?

Yeah. My whole thing was the Tesla, you know, the payment was lower insurance was higher. So I was like, oh, this payment's higher, the insurance is significantly lower. So it costs me almost the same each month. And then it has a lifetime warranty on it, unlimited miles. And I got the employee pricing for it. Yeah.

And again, you're under water by 5,000. So like, stop with these brands. It's not working. Yeah, so it'll always be under a belt. You're going to be, it's a depreciating asset. It's just going to keep going down. Okay, Kessler. Kessler. Kisler.

Kisler. So what's, uh, Uh, what's this? Wait, this is your checking. Where's the other car loan? Uh, there are ones with Ford. Did you not, were you not able to give me the Tesla one? The Tesla's with Keisler.

It's with Keesler. My, my Friker is with Ford. Oh, here she is. Model Y. Yeah. She's a 2021. Yeah, model years don't matter as much on those, but yeah. Every once in a while, every few years.

There is a jump. Okay, $26,975. 63 cents and a 6.1 percentage rate. I mean, the minimum payment's 578, 67. Yeah. Like now we're over a thousand hours in minimumity payments when you bring in three. Yeah, just the two cars. I got a little carry away.

What do you think this is worth? I put it in Carvana to see if they would buy it because she was leaving. She was like, oh, if we get rid of it, we can save the money, put it towards other dead, and they offered 19. I think I owe like 27. 27? Yeah, so I was... Good.

I'm not, I can't afford to take it. that big of a hit. Yes, you can. Well, I have to get a personal loan. Yeah, well, yes, do it. Yeah. And we focus on paying that off. We put it in the snowball.

What do you mean? You just got 19,000 towards your debt. Of course we're doing that. That's not an option. Of course we're doing that. That's not a fucking option, dude. Yeah, I just don't know when she, she, is it going to be at least four months, but I don't know when she'll need her car again.

Oh, well, what does she say? Does she say sell? Well, she was fine with it because she was like, okay, we sell it now. We get out of debt. You move to us later. eventually we'll get something cheaper. But you don't know where she's going to be deployed. We don't, yeah, we don't know.

And she was kind of hesitant to let her car go until we had a bigger picture. Okay, maybe we don't yet. I don't know. That's an option. We're holding. If I have to turn around, buy something right away, and I just got another person. Yeah, $1,000 in your child. Let's go to the checking.

Yeah, put that in there as backup. Okay, here we go. You went $1.50 cent Coke. $25 a serving. Yeah. I don't want to f***ing here anymore. There's no more excuses. There's no more excuses for that kind of shit, right?

Mm-hmm. Like we, like this is the sandwich. We talk about brewing coffee. Now we have the energy drink version of the hydration drink version. I don't want to hear it anymore. Same. You went in and you got some bullshit. $5.56 that time.

You zeld out 15. We got more McDonald's. Withdraw from the ATM 200. Popeye's Burger King. Wendy's. Winning got some bullshit. Wendy's. Winning got some BS.

ATM. I'm going to charge $203. Who knows what that went? Winning got some BS. 556. Probably daycare. Medicare is 1.40 a week. So it's just a joint checking because you said she's paying for that.

She'll transfer. Our accounts are linked, but they're not one account. But we can send money back and forth without any trouble. Cash half 65. When in, got some bullshit. 556. Looks like you're also getting a drink and a snack because you repeat that same purchase over and over again. The gas station.

But yeah, 556. I've seen it multiple times. You don't even know. You do it every day and you don't even know. Sometimes I get some water bottles because I work outside. I need a... I buy them in bulk at home. When I bring my lunch, I pack waters.

When I rush out the door. Dude, just in the back of your fucking truck. Put a thing of waters. That's what I do for emergencies. Popeyes. Popeyes. Getting some bullshit. 56.

There it is. Zaxfews. Rainforest Cafe. What the fuck. Rainforest Cafe. Oh, sorry. Rainforest Express. You went in guys and bus.

That's car wash. Oh, great. You don't need that. Come on. You're on the, Mississippi. Well, she took her bamboo that had got her and was pouring the rest of the ice out, and it was smeared all down the side of my truck. It doesn't matter.

Dump a bucket of water. You own a home. Dump a bucket of water on an asshole. Winning got some bullshit. Or ATM, which are 200. Wendy's. Winning got some bullshit. Taco Sambriero.

When the Mexican restaurant starts saying Taco Sambrero, that's when you know you're getting further away from the border. I love tacos sombrero. Yeah, but you know you're not at the border at that point. Mexican restaurant, Taco Sambrero. Yeah, it's kind of like best food. Please come here. Okay.

Winning got some bullshit. Winning got some bullshit. Smoothie King. We didn't got some bullshit, bullshit, bullshit, bamboo, dominoes, Texas Roadhouse, and Seoul Restaurant. That's Korean restaurants. Yeah, and she's Vietnamese.

Yeah, but we love Korean food. And we love Koreans. It's one of our favorite things to go eat. Okay. And then here's... That is my TSP. Yes, it is. It's your government.

Essentially 401Ks is what it looks like. You have vested balance 14, but But what are you all on it? Well, I took about half of it. It's all you're able to borrow because that's not employee contributions. It's your contributions. You borrowed your entirety of contributions. Yeah, so it's 4% interest, but the interest goes back into the account as I pay it.

Uh-huh. Yeah, which still sucks because you're losing out on market growth of about 10. Listen, you've got 40% actually so far. Yeah, it's been a great year. Except it doesn't matter anymore because now you're just getting 4%. And guess what? You get fired or you quit your job? They can call that.

They can call it due. That's what my co-worker told me. That's what your co-worker was correct about. Yeah, I haven't... In no way. You can't even pay back your kid. You think you can pay this back? It has to be done in advance.

Why'd you take it? Where were you going to put it? Because, you know, I was looking at the debt, trying to look at the bigger picture. I knew I was coming, you know, I wanted to do better. So I was like, okay, if this is only 4% back towards myself, then, you know, I can... We're the Hartford.

With decades of experience ensuring millions of youth, unique small businesses. When it comes to your small business insurance, thank you. One size absolutely does not fit all. Get a quote or find an agent today at the hartford.com slash small business. And like 25% on like the Discover card, I can just use that or something and pay it back. It's a lower minimum monthly payment frees up other money to go to other places. Like, you know, I just figured four percent back to myself. What? Other places like New York? No, I want to do better. I want to try to like maybe I can save on the side a little bit, maybe if I can budget it out eventually, and put it to the side.

I want to get to the point where I can go to New York guilt-free. That's my goal. I honestly think you should just start a new career there once she's out. If that's really, really you want to be. I hope they station her somewhere near there. I'm down to put everyone where they want to be. Yeah, it's a higher cost living area. You're going to have a smaller house.

But if it's the lifestyle you want, then do it. I encourage it. Regardless of, you know, there's a lot of things. Okay, so income or just budgeting you, not her. her because this is just your stuff, your debt, your accounts, and I guess you guys want to be separate. Let's get you a minimum fee payments. Discover it 180 plus Disney rewards of 92 plus, no, that was Kesar credit.

And then Disney rewards 66 plus the quicks over at 27, plus 25 from the savor card, plus the personal loan of 395 and 88 cents, plus the Maverick at 525, plus the Tesla at 525. 28.67. That well, well, fuck. Does I have my mortgage in it? I do have a mortgage. Oh,

okay, debtman empty payments not including mortgage, $1,839. $55. Oh, yes. What's your mortgage?

940. With, that's what's owed on the house? I want to say someone in the 130s. I can't get into the website. It's expensive, but...

I really can't. They've sold it off and it's with standard mortgage now. Yeah, I don't know my login. I've had my mortgage sold so many times. It's so easy to give a setup to you. Yeah, I tried a couple times.

It locked me out, so I got a call. Put in your address. Do a little house. Audit real quick. This is crazy. I don't know what the pictures are updated. We've done a few things. It's not about the pictures.

It's about the value, the area, all that good stuff. What's your phone bill? She pays it. As to, I know the price, but it doesn't matter. She pays for it. This is your budget. Do you guys split the mortgage? How does it work?

I pay it. Oh, four. Oh, fuck. Yeah, it doesn't look anything like this now. It's not about how it looks. Okay, 940. Why? Did you guys do a big renovation?

I got rid of all that stuff you see up front's gone. I cleaned, it's just grass. I got rid of all that stuff off the house. Good. We got rid of all the character. Yeah, we extended the driveway, replaced the windows, all that good stuff. Why are you doing that? Because the windows were leaking.

It's worth like 185. Oh, wait, actually, let's get it. 130. You have an equity position. Okay, we're chilling. It's only 3.19% interest. So that's why I don't want to get rid of it If we move off with her

That's why I want to get my dad or somebody to rent it In case we come back or you know At least while we're gone He can make the payment and build some more equity Can I call the wife in the post show? Yeah, she answers I texted her earlier We're going to do that

I know that it'll always be It's always good Okay utilities who pays for that She pays power Because the Tesla charges What do you pay for? I pay water it's about 100 What about internet?

Does she? She pays it It's all included with T-level That's a room drive drive for you. I'd say 30 a week, so 120. Car insurance, who pays for that? I pay is 320. Oh, that's insane.

We're over the budget, by the way. Oh, I know. Yeah, you're dead. So food and groceries, how does this work for the house? Usually she buys them, but she took a break from work to get all the military. The military stuff took longer. Well, how does this work now that she's away? It's going to be me.

I haven't budgeted that out yet. All right, you should be able to do $500. Lots of meal prep. The kid's not going to be happy. He's going to be changing his lifestyle from McDonald's to. Lots of warmed up meals, but you're going to meal prep a few times a week. TP, fun, anything else you and the kid need $150. That's toothpaste, toothbrush.

Dude, you can scrap it out with your kid. Kid just, like, video games and having fun, go into the park. You know, it's like you can scrap it out with the kid. Yeah, come on. We can have fun without coming to New York and out to eat endlessly. Medical health care, co-pays and shit. The, well, I'm canceling my health insurance because we're going to be on her military insurance. Okay, but are there co-pays you're paying for?

Just like 10 bucks when I go But that's rare Yeah Jim, is there a gym? No Okay Probably should be but no I can put

Do you want me to put it in? I don't know if I'll have the time So don't put it in yet Just do lots of walks with the dogs and diet Yeah I need to Yeah well how is the dog What's the health? He's six

Health? He's doing good You have pet insurance I used to And then when he's He swallowed a piece of rubber One time I took him to the vet And they said

The pet insurance When I submitted it to him They said it wasn't covered There's lots of pet insurance out there. So you have to shop for the right one. Unfortunately, the right ones are quite pricey. But once you actually get that, it does save you a lot of money. It literally saved me like 30,000 hours this year.

It kind of hurt my trust with it. It does. You have to shop and get good ones. $50. You have to do lots of vetting. $50, I'll put it there. Dog food. How much?

He's kind of like a grazer. So we buy the big bags. I'd say $40 every two months. So $20 a month? No, he's a tiny. He's only 10 pounds. Okay. Because grazing is not always enough of us.

Basically my second child. Sounds like he does it well. good anything else I need to put it in your budget that is not taking an account yet let me think I have a checklist on my phone I usually go through each month I put a check by it once I pay it I don't even think you want it you're going to be looking for another job anyway and who knows where you're going to be I'll get you a course career certification so you can go into a field that we want to do in the future that'll be good but I don't know how you're going to do the you guys need to combine and that's what we're going to talk to what we're about in the post show

because that's the only solution here is like you guys can do this combined but But let me add this up because right now with just your income, this does not work. Oh, no, yeah. When I got off the overtime list, because I went to hang out with her more before she left. That overtime definitely helped. I love that. Well, yeah, we get along. It's just when it comes to the money and stuff, that's what really gets us going.

But other than that, we do great. Dude, yeah. Yeah, it's bad. It's done. It's done. And with the combined household, the income, obviously, she takes care of some things and whatnot, I think you'll have a couple thousand hours left over.

And that with the... Yeah, she is willing to help me. Well, it's not about help, dude. It's about conquering it together, but that also means you changing your behavior or else I don't want her to. But with the 2000, I think we can contribute to it a month once we combine.

It's about a three-year process to pay off the debt. And that's okay. That gets almost through her service. And then once she's out, you guys are living a great life in your 30s kind of starting fresh. You know, doing, living a great life, getting a fully funded emergency fund. But right now, you need $4,0.59.55 to survive and you can't alone.

So you guys have to combine. So we're going to call her in the post show. That's what we're going to do. Let's get the Hammer Financial Score first. Okay, spending it a budget. Well, you overspent zero out of ten. Debt is as bad as it gets without having collections or IRS. Well, you borrowed against your retirement.

Zero out of ten. Emergency fund. No, you had a thousand in savings, actually. Yeah, I keep the 1,000. supposed to change from your assessment one out of ten retirement you have a little bit of the match but still very behind and then you borrowed against this so i'm going to give you a two out of ten at best yeah real state you have an equity position when did you take the assessment this doesn't add up this is not how the assessment would have given it to you yeah it was uh i'm not sure i did it

the house is okay what's the interest rate on your mortgage 3.1 yeah that's good i'm going to give you a listen you can't necessarily afford to have the house right now so it's going to take some points off about a six out of 10 yeah but at least you have that you have an equity position in a good rate. Yeah, I'll let the cars go long before I let the house go. Of course. That's gonna be a Hammer Financial score. Rounded up to a two out of 10.

Click that join button. Join us in Hammer Elite for an extra 20 minutes. We're gonna call his wife in three premium shows posted every single day, Monday through Friday. I'll see you there. I need you to call your wife. Tell her about everything we have here. This is a scary task.

Okay, so what do you want me to do? Basically, I'm gonna need you to help take over some of my debt until we can get out of this. Wait, hold the whole fuck it. You want me to take your debt? That was the most ineffective communication I've ever seen in my life. I've never seen anybody not understand an hour and a half conversation more than watching you try to explain what this conversation. She's a question.

After that, she's absolutely getting cloud and basic. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description. below. This is the best membership you'll ever join. That's a promise.