Financial Audit - Delusional Dude Blames Everything On Girlfriend | Financial Audit

Episode Date: April 10, 2024

Broaden your understanding of the financial “big picture” with Ground News. Go to https://ground.news/caleb and subscribe for less than $1/month or get 30% off unlimited access this month only. ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [e-mail] ▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer 4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: https://mintmobile.com/hammer 5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer _______________________ Learn more about your ad choices. Visit megaphone.fm/adchoices

Oh, here we go. Getting some O.F. You know he's using O.F? No. Dude's paying to jerk like every five minutes. But it is the age gap, so I'm a lot more active than she is. Hi, I'm John, 25 years old. I'm Marissa, 37 years old, based out of Austin, Texas.

And this is financial audit. First couple on here in a long time. Nice. So thanks. But just out of the gate, what's going on, guys? So, for me, at least, I've really been trying to get our finances. order. It's pretty frustrating just because I do have to keep track of both of our finances and stuff like that. You know, our bank accounts are debts that we have to pay and are her card note,

which really, I'm getting sick of that to be honest, you know, having a, you know, back pay on all that. So, you know, especially with the age gap, you know, I feel like I'm 25 years old. She should be at a better place and, you know, she's at. How did this happen? How it was fine. It was work. Yeah. We were co-workers. Yeah.

That's how it started. No one was a boss, right? No, no, no boss, no. No. Not at all. How long have you guys been together now? That would have been funny. We've been almost four years now.

So we're saying from, if I just want to make sure I understood this correctly, you feel like her finances are holding you guys back as a couple. Yeah, yeah. What about financial choices and as a couple, were we? Mm. I feel like we just, there's sometimes where we make bad decisions and I make bad decisions, but I always seem to call us out of that. I always seem to get us out of a hole and, you know, pull money out from somewhere I don't have it.

Or, you know, sometimes I make sure of decisions. There's been times I have too. Yeah, but like overall, like, you know, where do we? He's more stable. Yeah. I think I'm a lot more responsible, to be honest. Well, you've been doing the adult thing. for like forever now.

Forever. Sorry. I just couldn't do quick math so I said forever. No, I'm used to. He says the same thing. I get it all the time. I'm so old. I get it all the time.

Okay, but like you've been doing this for a while. Why is, well, we'll go through the finances and we'll actually make a determination, but why is he the big boy of the relationship? Um, yeah. Why? Why is he the adult? He makes better decisions than I do. Why?

He has gone, he tries to go higher and pay from the time we've been together. He's gone up and up and up, and I haven't. Why? Yeah, I've gone down. Making rational decisions and I left my job and then I had to get another one. That was a lower pay. So that didn't help out. Yeah, that kind of, you know, blindsided to me too.

I mean, we had been talking about it. You know, she had some issues with her boss, but she called me one day and she's like, hey, do you mind if I, you know, you know, quit my job, getting tired of my boss. And I was like, well, not, I mean, you have to find another job first, but, you know, I don't mind, you know, toxic environment, you know, whatever. But she said, you know, I already did, you know, and I'm like, well, then why are you calling me asking me if, you, you know, you already quit your boss?

Are we making financial decisions as a couple right now? Yeah, no. Not really. No. What are we trying to do? What's our goal? What's our future? What are we trying to do as a partnership?

Are we trying to get married? Is this a long-term thing? Where are we going with us? For me? For me, yes, absolutely. We want the house. We want to get better. We want credit to be better.

Our credit to be better. Okay, well, you both have things in collection. Right, for sure. How are you the responsible one, by the way? I feel like I just make more money. Okay, but what we choose to do with our money is what comes out of responsibility. Right, absolutely. Make a million bucks a year and you can be the most irresponsible guy in the face of the planet.

Right, but you also got to look at everything as a whole. You know, I'm making a lot more money, but I'm also having to spend more money helping us out or helping us with bills and past due bills. I've been getting my stuff on track. We just moved into a house that, you know, our rent isn't that much. And I've been paying myself off. But it's so much and it's so bad. Plus, I had some things happen in the past, like with college and stuff like that. What's your current income? I make about 55 to 60,000 a year, depending on overtime and bonuses and stuff like that. What about you? I've probably 30,000. 30,000 here. Okay. Now, I have to go off this on an individual way. You guys are not married. Your guys' finances are not combined,

except for one card. We're on a card together. It looks like one credit card. One. Yeah, one credit card. I did that. So I thought I was more than capable of paying the bills, but, you know, stuff happened and, you know, we split off. Are you the responsible? I'm trying to be. I really try to be. But, you know, there's also a lot of stuff in our relationship that's separate from the finances that we, you know, we've been rocking on. You know, we've taken a break a few times. Really? How many times in four years? Twice? Yeah, twice.

Yeah. So it's a little. So does opening a credit card together? Well, we did that. I did that before we decided to split off. When was the most recent split? Last year. 201?

No, last year. When I moved over there, the big gap. Yes, he's correct. That's when it was. The other one was 2021. His statement of saying he has to take care of your finances and your mess and dig you guys out of the like straights of death. Is that correct?

We've let him talk. We've let him give his peace. Is it correct? Yeah. He has done it before. I think he exaggerates about it. That's where I think he exaggerates about it. He thinks he's done it more than he really has.

No. Okay. And I want to say I've done it too. like I've had to bail him out of problem too I always pay you back oh and I pay you back more than what you give me because I do feel bad and I do feel you know I should be I should have my own together I'm going to

I mean I am yes I want to with everything in me paying back it's just I can't yet why because I'm not making enough now you chose that to a certain extent what is your job right now? I cook. I'm a cook at a nursing home. Okay. What is your job? I'm a maintenance technician, a system maintenance.

What was the job you all met at? I was working at a nursing home. I was doing valet right before COVID, and then I got laid off from all that. So I was laid off for six months. I was getting that, you know, that nice stimulus check and all that. You know, that's why I got my car and all that. But as soon as I, they cut that off, I needed to get a job, and I went to go work at the nursing home. And that's how we met. All right. I'm going to give you a three, two, one. go on go give me the household financial score i'm going to say 321 go and you guys are going to say the one out of or zero out of 10 score together at the same time and see where your heads are aligned on

this what do you mean my household financial financial score so like how good are we are on our finances okay well i'm sorry let me add some context so are you the one that watches the show and you're not yeah i'm the one i'm not i'm the watch the show have you seen the show i've seen a couple Oh, okay. So I give a hammer financial score. Free in the link in the descriptions below. Get you for free. It's fun.

But I want you, zero being absolute worst, 10 being the absolute best you can be. Five is kind of like average. I'm going to give a three, two, one, go, and you're going to give me the household score. Three, two, one, five. Six. Six.

Yeah. Really? You think you're above average as a household? I don't think so. Oh, no. I just said five was average. You think you're average. I think I'm about average, yeah.

As an household? Yeah, I think we're about average. But I would say four. We could be a lot worse. It's important to stay up to date with the latest news, especially if the news may influence your money. With that in mind, I'm excited to introduce you to today's sponsor, Ground News. I only partner with businesses I believe in or trust,

and Ground News is a game changer when it comes to understanding news biases and breaking free from the influence of news algorithms. Their app and website gathers articles from around the globe, providing context on political leanings, reliability, and ownership. Take this headline on student loans. Biden administration to forgive $4.9 billion in student debt for 73,600 borrowers. Ground News analyzed almost 200 sources, presenting summaries from the left, center, and right perspectives based on ratings from three independent news monitoring organizations.

Left-leaning sources focus on the relief for borrowers, while some center-in-right-leaning outlets emphasize the potential cost to taxpayers. nearly $500 billion. It's crucial to see all sides of a story, especially when it affects your money. With Ground News, you can compare headlines, check bias distribution, and even discover news not covered by one side of the political spectrum.

Personally, I follow their financial page to make sure I stay in the loop with critical financial news. So go to ground.com. News forward slash Caleb to try it out. By using my link, you'll receive a 30% discount on their unlimited vantage plan. The same plan I personally used to stay on top of current events. At less than $1 a month, it's a teeny tiny investment for huge insights.

That's ground.com. That's ground. News, forward slash Caleb, or click the link in the description below. I mean, we make it. We're going to go through the finances, but first, what's holding us back right now? I have no idea. That's the whole reason why I wanted to come on a show. I pay all their bills. I pay them on time.

I think it's me not making enough. Yeah, I could be it. What about the spending when it comes to what we're making? Again, we can lifestyle and flight. People can make a million dollars for spending. all. So, but that's what we think, right? Is you not making a mouth? Right. Do you? Because I don't spend a lot. I don't buy a lot of stuff. Yeah, but you don't, I mean, I don't want to. I don't want to. Yeah. I don't want to, you know, step on your foot. But you, all the money you do have left over goes to, you know, I don't know if we can talk about stuff like that. Yeah, of course. Yeah. You smoke a lot of So, I mean, I have nothing against it, obviously, a lot.

I want you to be honest when you answer this question. One than a week. What do I do? $40? Once a week? Plus the $2, $3, $4 for real those. I guess it was like, say $50 a week. Like, or like, babe.

No. How many grams is that? I don't know. Like about a quarter. Yeah, she just goes. I don't. It has to been that long. So it's about.

So I don't know on the. You feel pretty dependent on this? Yes. She is. It relieves me of stuff. That's, yeah. Okay. There is a certain extent where, yes, recreational, a lot of people can do it just like alcohol.

But there is a certain point where people have gotten. And it's the only thing I do. Like, we don't go out. We don't do anything. We, that's all. But why? We don't go out because we don't have any money to go out. I'm always having to pay money.

I'm always having to save money for. the next bill that comes in and, you know, when you pay later in your card note? Yes, I am. As a couple, are you guys happy? We fight a lot, especially for the finances and stuff like that. Yeah, that's the number one leading cause for divorce in this country is finances. Yeah, for sure. Going down the path of the conversation we've had right now, I don't think anyone would

recommend marriage. And I am not the relationship expert by any means. Yeah, we're trying to figure it out to be honest. Just finances specifically. We want to get it right. I don't want it to be two v. but just from the language you've used about yourself. Yeah.

Do you feel like the anchor of the relationship holding it back financially? Yes. Okay. Yes. What have you done to change that then? For the sake of the relationship. I haven't. Do you just work, go home, and then immediately smoke and you're just like satisfied with your day?

I mean, I take care of the house so much as I can. I am working a lot right now. I do about 25 to 30 hours of overtime and a week. How many hours do? total. Oh. She just started. So she just started back in January. Um, honestly, I'm not sure. Uh, say, probably too, too new. 80. Then then you're making, within a week. You're making, you know, it work 80 hours. So you can make $30,000. I just started as well. I know. So we might have to take more time. I'm going to start with

yours though. Yeah, for sure. The guy who, uh, is the good one of the relationship. I try to be. I really do try to be Yeah your dad gave you $1,800 to pay off a payday long Yeah Yeah that was a mistake But that was when we had our break And I was being stupid Break wasn't that long ago

How are you the responsible one of the relationship If we're taking on a payday loan Well this the reason why A payday loan is like the worst loan You can get anywhere Besides like a fucking going into like a mobster hangout See but I also didn't have good credit So it's not like I can go into a bank

And get a loan or somewhere But you need a loan But I wasn't also like I grew up in a family where they didn't have the right mindset, you know, towards the money. I tried to figure it all out. How are you the responsible one if just recently you took out a payday loan wasn't able to pay it and your dad had to bail you out now you owe your dad money? Yeah.

How can we label you as the responsible? Well, I try to be. I just, I just. I just, it doesn't matter if we're trying. I just got to where I'm like my mindset that I want to be at. I mean, I was young. I was stupid. You know, I used to smoke weed too.

This break just happened. Not that long ago, according to you. Yeah. But, you know, I, I moved. into, I'm a maintenance technician, so when I move into, when I work at apartments, I can move into the units. And when we split off, I moved into that unit

and I moved into a unit that was way too expensive for me. Yeah, but, I mean... You still owe your dad this money? Yeah, I do. Yes. Why have you made no progress in a year? Because it's hard. I really don't know. You make decent money. It's $18, it's $1,800. Right. One thousand

$800 over the course of a year owed to your family. He also wants to be paid and full. His father. Yeah, my dad's a little... That doesn't makes sense though he probably could have got his money back if you know I mean I love my dad dude bailed you out for you making a stupid decision so

I don't know but 150 bucks a month he could have had his money back so he's he's just being stubborn I would say dumb about it right you're both dumb in different ways with how you're dealing with this let's be let's be real I mean but like I but yeah that's why everyone comes on

but I'm gonna give you tough love yeah but that's why I need it the bell out because I needed the money because I had a couch and I had you know I had to pay rent and we're living separate but I was still out. Yeah, I bought a couch. Yeah. You don't take out a penny loan for a couch. Yeah, no. That's not an excuse. I thought okay, maybe you were literally going to kick kicked out. You were months and months behind on rent and they said we are evicting you. No. I mean, my job was pretty lenient with that. So yeah, I know. So there was no need for the payday loan, but you, the responsible one of the relationship.

Your ship took out a payday loan. Yeah, but I wanted a couch. Like, you know. Wanted. Yeah, see, this is, see, this is why I wanted to do your finances first. You're also, right now, zip quad paying right now. But that, what's that? Some of that stuff is like my brakes from my car.

What's K? Oh, this. Sorry about that. Yeah, yeah. That's really helping your car not smash. It was like, like 30 bucks, though. I don't give a shit. You're the one digging out of the hole and you're the one all of a sudden going

and financing things. Does that make sense? Does that make sense? How can we put the blame on her? And don't get me wrong, your finances is a- We'll get to it. Congratulations. But you are not.

You try to put yourself on a high and mighty at the beginning, but you are not. You are financing both the Home Depot, and then there's your car parts. You're quad-paying. You are not the champion of finances. You're both being dumb, mother-f-f-ha-ha. You're both the anchor holding back this relationship.

But we're deflecting blame on each other. and that is this is not going to work successfully financially speaking yeah the way you guys are talking about well for me like you know the jewelry and all the stuff you know i've been paying rent for what how long for like almost two and a half years so you're 100% taking care of rent yeah like right now yeah no no no no okay so tell me what's real so when we first moved in together i moved into her house i wasn't you know good at home whatever so i decided to move in with her we moved in for a few months then we got an apartment. And we decided we're going to go half.

We're going to go half on everything. Yes. And it was maybe two months in and she couldn't afford it anymore. So for the rest of the whole lease, I was paying, what was it, like $1,200 by myself? And I wasn't making that much back then. Yes, and he was paying rent for that. But I was helping with other stuff we needed outside of the rent. What?

What? Food. I would pick up any slack that he. he had. Slack. Yeah. Whatever he needed. Finanually?

If he needed something done with his car. So it sounds like we were still essentially splitting the bills. We just took care of different parts. Yeah, but like I also paid her back for all that stuff too. Yeah. He doesn't see it that way. Did you pay him back for rent then? No.

No, I have not. Absolutely not. Are you supposed to? And he agreed. Like, it was more his idea for us to do that. Is that true? Yes, but I did it to. Then we can't hold the grudge on that.

If this is what we agreed upon. on we can't hold a grudge on that. I just feel like I'm still at the point where I'm still helping out. He's so many. And it's been and it's been Is that where we are? Yeah. I'm still helping out. Okay. Now why? Why have we made no progress on your end though?

That's why I'm concerned. Are we just fully satisfied? We go work, we do our jobs and we come home when we blaze up. Like, again, there's nothing wrong with recreation or recreation in a responsible way from what we've talked from the language we've used and the lifestyle we're living it sounds more of a dependency and just life satisfaction

not out there getting done if he wasn't there I would definitely go get a second job would you he's taking care of you though he's taking care of you financially right now even though his finances are bt he's still taking care of the best majority of the bills why do you feel no obligation to contribute to the household in any way whatsoever that's what pisses me on sorry Not in any way whatsoever, but why not step up?

Have we had this conversation? Yes, we have multiple times. Why have you not stepped up? I have now. Like, I think I'm doing that working as much as I am. So what were you making before this $30,000 a year? Well, I went from 21 pay to $17. So whatever the difference is that is.

When did you go down? January was the down? No, November. It's when I left my job. Okay, well, that. Okay, and when did you land a job after that? In January. Okay.

what happened between those two months for all the bills across the household? I was looking. I was looking, looking, looking for what? For jobs. For what kind of job? A lot. Any and every? Pretty much.

You could have picked up something in the service industry almost overnight. I'm sorry, what city of you guys based up again? Awesome. Oh, yeah, you could have gotten some overnight Mickey D's 100%. I apply. I can't drive down the highway without a, please come work for us or we're going to kill ourselves from service-based industries here. Yeah, and then they pay more than what she's getting paid now.

And I'm like, we drive by them all the time. And trust me, I'm not saying the job's good. I'm not saying it's an enjoyable job. I'm not saying it's a job. I want you to make a career off of. But it's one where things are, and now all of a sudden I'm putting the burden on someone else. I'm going to at least kick in as much as I can

by working some job that I don't like before I get a better job. I feel like that's what it was, to be honest. Like, she was real comfortable, you know, being at home for, you know, two, three, four, five weeks. No, I was stressed. It stressed me. It didn't look like it, to be honest with you. I didn't.

I didn't. You just sitting there smoking. No, and taking care of the house, much as I can. Not having you worry about. But you don't work. But you don't work. That's what makes me upset. Like, you're not working.

I'm working, you know, eight to five, eight to six sometimes. And I'm work on call. You know, I work on call all the time. That's worth all the extra overtime. And I come home and, you know, I got to wash it. dishes and I got to do that stuff. And it's like, like, really don't really have to?

You know, we're getting to fight, you know, about that too. You know, for me, I'm real traditional. I like to, you know, pay those bills and come home and not have to worry about too much. Yeah, that's what you like. What do you like? Because it's a two-way street. I would like that, but.

Okay. I would like it, but. Why is that not happening on? No, because even if that does happen, he's still going to get on me about something. He's still going to get on me. So why not just get my job? Sometimes.

Absolutely. I do. You know, I'm not going to lie. Lots of places can expose you to identity theft. Oh, no. That's why LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone can do on their own. If we find anything suspicious, like new loans or changes to your financial accounts,

we alert you right away all through text, phone, email, or the LifeLock app. Get the alerts that could make all the difference. Save up to 40% your first year at lifelock.com slash special offer. Terms apply. Atlas Bicker? Yes, I am. Okay. Yeah.

I mean, I think that it's valid. I don't think anyone ever appreciates that. I think it's valid, though. Like, I'm not going to say here and say it's not valid. It's absolutely valid. You know, I've been, I feel like I've held my end of the deal up, and it's time for the other side. But if you agree on that's how it's going to go, then there should be nothing else to say

about it. Yeah, but you also agree that. you're going to help me also. So it's like, why do I have to agree and why do I have to, you know what I mean? Go with me here. We'll start with you. Where is she letting down in this agreement? In this agreement that I don't think we're fully aligned on. Where is she letting you down? Money. Money. Okay. Well, that's not what you were just talking about there. Oh. You were going to pay as far as you paying everything. Yeah, no, the house. Yeah. Like, you know, we have laundry that's powered up and we got laundry all over the floor and the, you know,

the dogs are a mess and dishes need to be washed and you know i get like that when i wasn't working well let's do you where is he letting you down in this agreement the specific agreement that we feel like we've made um where has he failed this agreement i guess he's just boston when it comes to it and he if i need money and he and he doesn't agree with it it won't happen for like what Give me an example. For other stuff too, but yes. Well, let me play. Mostly handled that.

Because I have a kid on that. Like, if that's where a big chunk of your bills are personally going and he doesn't support that habit, because he sees it not being productive for your past and future, is it on him to support that habit? No. Oh, and I used to be. I used to be an addict. You know, I was homeless for a little while.

Really? Yeah, I was homeless. My mom kicked me out and I was 20 years old and I was almost. I met one year later. I would never let it get to that. Yeah. Well, I don't know. Does that, is that, you would never let it.

What does that mean though? I feel like that's what a lot of people say until it happens. Listen, this isn't like some hard drug by any means, but it is much less common for people to become addicted to the substance than many other. But just like anything that you can fall into when it comes to be in a lot of other words that we're going to be bleeping from this episode. And even like gambling, this is something that people can really just fall into and just have like their lives revolving around. Which he gamble.

Well, that's not when I'm talking about you and smoking. What was your question? My head is everywhere right now. I don't know. I just wanted to push back on you saying I'm never going to let it become like that because I feel like that's what everyone says until it becomes like that. Yeah. I mean, I don't know if you. future yeah that's but I would I have a supportive family as well so I don't think

they will let it get to that as well I think how that works though it's not how that works supportive families do interventions for people all the time doesn't mean they're successful I think it's a little they want me be homeless okay so that's what you're saying okay you owe 2000 what is this what is this it's a debt collector see it's something in collections the financially responsible one yeah what is that i don't even know what that is i'm kind of him i try to be who actually gives this shit here about their finances on a day-to-day basis i do you yes why is that not demonstrating any way whatsoever because that's from previous stuff the when we were going to

you're spending yeah yeah for sure but i've been trying to get to where we need to be at the place that we're at right now but i feel like we've gone through our tribulations and stuff like that and we're trying to figure stuff out yes we don't agree on everything we're not a line though we're not a line financially we're not financially no but we've finally gotten over the romantic side i guess we've gotten over those and now we're finally but this is still the leading cause of separation right yeah like you guys could love each other and that's awesome but this is like the biggest stress in our culture yeah yeah you guys do not figure this out get on the same page then yeah and that's what we're here that's honestly why we're here because

$2,108 is no minimum payment because it's a debt collector. Right. All right. Here's your car, yeah? Yeah, my car. And a 7% interest rate, so nothing thrilling. Well, I co-signed with my dad on that one. He helped me out with that.

Oh, great. So it would have been higher. It would have been way higher, yeah. $324.19. Minimuthuthy payment. What is the car? It's a 2019 Chrysler 300. My baby.

His dream car? Yeah, my dream car. Yeah. Chrysler 300 is your dream car? Yeah. Those things, they're like, they're, it may as well, it's a, it's a, hey God, I went to do. 22. Right.

Why? Why is that your dream? I don't care. I don't care. I do not care. Yeah. What year is it 19? 2019.

Yeah. I got it 9,000 miles right before COVID, so it was a steal, to be honest with you. I got it for 20 grand and it's worth about 18, 19 grand right now. So in my head, that bully math works. This dream crime that he can afford, basically. $300.24 minimum payment. $300, $300, $300, $300, $200? $200 or $300?

$300, $324. Oh, no, the Chrysler. Yeah, $300 and $300. I always pointed out. Always. He loves that car. He said something happening with school because we have student loans. What happened to school?

I was going to college, and I was kind of like two, maybe an hour and a half, two hours away from Austin. And I was doing a ride, but I got into a four-wheeler accident. I had to have surgery. Oh, my gosh. What kind of surgery? Stomach surgery, I have a big old scar going down my stomach. I had internal bleeding.

I basically fell into a seven-foot, eight-foot hole, and I flew out. Wow. Yeah, it's kind of crazy, to be honest. So I was in the hospital for a few days, and I had, you know, like a month or two recovery, and I was so far behind, I just couldn't catch up. You know, I didn't have a job then. My parents were supported me. and, you know, I didn't really have friends out there.

So it was kind of, you know, it was kind of difficult, to be honest. So I decided to drop out, and it's been kind of hard, you know, paying that back. Well, it's at 2,539. Yeah. Yeah, I can't pay it back, but it's just, like I said, what's your monthly payment situation on this? I haven't been paying recently, but I know it's about $50. Why have you been paying?

You're the fund. But it's not an under deferment, is it? No, it's not an underdifferment. You're just not paying it? They'll garnish your wages. I can pay. $50? When that Biden tried to pay everybody off, you know, all the things.

I put it. You tried to do a forgiveness and it was struck down a year ago. But I signed up for that. And when I signed up for it, I was told I was going to be paid for. So I had already put it. It was going to be paid for. I had to. If you followed it in any way lightly, you would know that it was.

immediately challenged and then it was getting the can kicked down the road until the court decided on it once the court decided on it they delayed it by another no see look okay no i remember i remember yeah i remember now when i when it was right after cover i paid it off i completely paid it off but it was a little bit while and then i heard about the lawsuit that they said they can get my money back so i got my money back and then the lawsuit went away why the f f f f fs are you not paying fifty dollars a month i didn't even know that that's easy to i don't know financial responsible one and this is like the easiest bill ever yeah yeah I mean I could pay it off Joe I could pay it off I really just I don't know I don't know to be honest with you

I just I want to pay it off and I need to pay it off you're missing payments yeah okay we have a cash-draft spending account here is that mine yeah this is all yours right now awesome spent three thousand two hundred five thousand What is Amazon rent? I think that was I don't remember what that was To be honest It might have been like a subscription or something

Like how much was it? $33.37. Oh no, I remember that was That was uh Recently? Yeah, that was for your coffee bar Or whatever you wanted all the decorations Like financing?

Is that what that means by rent? I don't know what I don't know Well a coffee bar wasn't $33. No, all the little decorations she wanted for the coffee bar. Decorations? I don't give a about decorations. Get out of that. get decorations when you get out to having a fully funded emergency fund.

Where's your retirement? Okay, that's terrifying. And you both should be terrified that the 37-year-old has $0,000 retirement. Where's your retirement? I just got, I just started this job not too long ago, so I've been saving it up. Yeah. What? Where is it?

I don't have. I just, just started a job. So it's set up, but there's nothing there. There's nothing there, no. So you've given up a half, half, first, you've given up the first half of your best decade of compound growth to be able to retire. You've given up your first and almost your second best. decade. Compound growth, meaning you need to contribute extra on a monthly or annual basis to have a chance of retirement. You not care about retirement? Yes. I don't think she's too. If you don't care

about retirement, then why have you not contributed a single cent to retirement over the years? Tight money. I don't think she's worried about it because like I said, like she said, and her family's pretty well off and they do support her so much. Well off. I wouldn't say so much. Give me some context. They're all, they're all really strong. stable they all. What's well off? What do you would say? My aunt does.

I don't know. She owns a house. She just sold a house. She just bought a new house. Doesn't have a care in the word about it. She's, and her grandma. She's like set up for her own retirement.

How does that mean you're going to be okay for your retirement? How does that mean you're going to be set? Maybe she just has enough to get her through retirement. Doesn't mean she has something to pass down. Would you be the one that it would get passed down to? Um, probably not. Then why the fasses matter in any way whatsoever? Probably not.

Because they bail her out. They brought her out a lot, especially whenever we're, um, like, but not my aunt. Past due, but your mom and then your grandmother. She doesn't agree with my life. So she doesn't. What does that mean? She says I need to get a better job. I need to pay more.

Like, I need to know. I'm too old for this. You are. She's not wrong. Or whoever said that. Who said that? That's my aunt. She's not wrong.

My mother didn't teach me any. My mom was worse than I am. Let me give you a little congratulations on that. Welcome to pretty much every household in America. Personal financial education is almost nothing. I came from a household where they knew nothing about money. They've gotten better since I graduated high school, and I'm very happy to see that. When I was growing up, there was nothing.

There was no lesson. In fact, one of the lessons I had is I wanted a piano. They said, open up a credit card when I was like 18. Yeah. So that is not an excuse. You are two decades since 18, essentially. That's two decades on you to be an adult, go to the library, use Google, figure something out, and you haven't. So do not blame that on them.

Okay. I have, yeah, I have not done anything as far as that. What's a cash-up loan repayment? I can't see what it's going to. Oh, I just borrow money, $100. What, it's only five bucks paying it back. So I always have money. How are you possibly?

How are you even close to possibly the financially responsible one if you are borrowing from cash app in paying a 5% interest on it every single time? It's only $5.5.000, so. 5% interest, yes. I don't see $5 is that much, to be honest with you. I don't get away. That's what you're going to get putting into like treasuries or something. So it's just like you're just giving them free money because you're borrowing $100.

What is $100 anyway? Someone making $50,000 a year, $100 should not be a make a break. Why are you borrowing $100 every second? Because I do feel like I have to support her. And it's like. So it's an immediate deflection under her. Yes, I do. Yes, absolutely.

Absolutely. I do for like. What do you think? I think it's crap because he makes decisions, messed up decisions without me. Like that don't involve me. That aren't paying for me. That sounds like an immediate deflection.

I mean, that sounds like an immediate excuse. I'm making poor financial decisions because of her. I mean, if you want to see it that way, I don't agree with that. Well, I don't know. That's essentially what you said. I got to pay, like, I got to buy the groceries. I've been buying groceries by myself for about three months now. You're also buying chick filet and you're borrowing, getting, going to the gas station,

getting some bullshit. University market. You're going to the university market every day. That's at my job. Every day. Add your job. I don't give a pack of. drink. You're going there every day. You borrowing $100. If you're buying $100, we're not going to the

university market every day. University market, University market, University market, Apple subscription, Cinemark Theaters. I love the movie. We don't go there if we have to borrow $100 literally just survive. Amazon Digital Services. Probably can't afford that. Netflix. There's nothing on there anyway. I certainly can't afford that. Bivit seats. $214.00 certainly can't even come close to to you're taking a little microloans. Going and getting a drink. Going and getting a drink. Party City.

Going in and getting a drink or tequitos or whatever the fuck gas station. That was at Dallas. Just because he doesn't want to take lunch. You got to take lunch. Yeah, I know. I get lazy about that, to be honest. She doesn't want to take it. Take it.

Yeah. I mean, but like, I grew up that way and I grew up eating sandwiches. She couldn't use that excuse. Neither can you. Yeah, I'm not going to lie. She gets on. She gets on me about it with all the leftovers. We had to throw away, so.

Yeah, yeah. And she's correct on that. Yeah, for sure. But it's just so much easier. Yeah, no, no, it's easier. That's the point. It's easier. It's more expensive.

That's how they get you. You can't do it. You're borrowing $100 every second of your life and you have things going into collections and your dad had to bail you out like a child. Amazon Prime. A thing. A fending machine when we had to borrow $100.

McDonald's. Concessions, concessions. Going and getting a drink. Oh, here we go. O-F. Getting some O-F. Oh. Yeah, dudes having like multiple.

This is why he gets away with a lot of, because I don't even know what he spends. Do you know he's using O-F? No. This is brand new to me. Dude's paying to jerk like every five minutes. Brand new to me. But the reason why with that is, it is the age gap,

so I'm a lot more active than she is. But I'm so wrong. Because I smoke here and there. But it's not like that much. You smoke like every single. a week. I don't know, man. This comes out to the point.

Yeah, one, yeah, you can't get it for free. Two, it's basically, it can break down to one, one and a half times a week that you're paying. Yeah, but that was, that was just, that one month. That was just that one month. Okay. Okay, I only have access to one month, so I will not accept that. No. So, O-F, Apple bill, Apple bill, University Market, University Market, OF, back at it,

20 bucks that time. to get coffee that we have at the house. No, O-F is the... Oh, I'm talking about the market. Yeah. Yeah, yeah, yeah. Roku. What the...

Roku. Sending money out. OF. We're back. 10 bucks that time. Sending $80 out, check in the box. Cabo Bob's Burritos. Sending money out.

Filmographer and editor, who's editing this right now who loves Cabo Bob. That's never been there. It's best. That's awesome. Yeah. She's so. It's also best to not have to borrow $100.

Going in and getting a drink or tequitos or whatever. Ticitos, we're back to the OF. Paying the... I'm so mad. If I want to go out to eat, it's a fight. It's a big no. You go out to eat all the time. No, we do.

I don't know what she's talking about. We do go out to eat. No, you say you go out to eat. You stop at the market. You're essentially, you're paying for that naughtiness. That as well. But I also feel like it's because I'm getting the bare minimum done. So I feel like I have any extra.

I feel like I have the right to enjoy myself. Sure, you have the right to your life. Of course. I don't see that. If that's how you want to look at it. You have the right. Of course you have the right. And blame me for it.

You have the right to go out there and run into a pole and die. Well, I also don't want you to. And that doesn't mean it's good. But of course you have the right to be stupid. I just also don't want to be the only one supporting us, if that makes sense. Like I don't want to have to This is excuse This is not the excuse zone

I don't want to be I don't give it How does that You have to Okay So you don't want to support Your guys itself longer Fine

Go on your own But even if you go on your own Guess what Your spending's not getting you out of the shit You haven't paid your deck Back in a year Of what According to your salary

Should have been an easy payback Yeah PlayStation Back to OF Burger King Is it really that much? Is it that much? Is it that much?

Yes Oh wow. Yeah, that also can easily turn into an addiction. See, but very clear. I just started getting into your videos right after this, like around January. So then I've, no, I've been figuring it out. I haven't bought that. Nope, that's not how this works.

This is the end of January. This was like a second ago. Then you can't, there is, you cannot come on here and be like, I just started working. I'm ficking things. I can say I'm on a diet. If I've dieted well for two days, that doesn't mean I'm on a diet. I'm trying to fix it. I'm trying to fix it.

Trying to fix it is. what are you reality TV shows out there. Tammy said big girl Tammy very big girl on a thousand pounds sisters for four seasons she said I'm trying I'm trying until she ended up in the hospital because she was dying and then she actually took care of her so don't tell me you're trying and then your actions don't correlate with that by any means whatsoever university market Burger King cricket wireless it's expensive for 109 dollars with both of us yeah it's both of us together so and that's with insurance and all that stuff so if I to break my phone.

I'd look at Helium Mobile. I've partnered with them. It's really cheap. It's like 20 bucks a month. Take a look at it. We'll email you. Hopefully it's better than what happened this morning with all that outage and stuff like that. Yeah, I heard.

A couple bobs were back. Amazon. Mind you, we're going through one month. How many things have I been through? Financially responsible one. Financially responsible one. But you also got to look at all the rent and all that stuff too. And all the groceries and stuff.

I'm not putting it in the necessities. I'm only calling. out the f***s. Why would I call out things you have to pay? But I know it's and I'm trying to fix it.

I'm trying by not doing anything that indicates I'm trying. Shut up. Sending out $500. Dr. Uh, oh,

Baskin, uh, it's a coffee place in Baskin Robbins. Dunkin' Donuts. Yeah. Yeah, PlayStation.com.

Poyos, something. Oh, that was a gift card. Got a town. Sonic Drive. through Texas Roadhouse JD's Apple Bill University Market. That was a month. How long does that take us to get through?

Five minutes, that was a month. Here's your checking account. $162 in there. We're drawing for cash have $16. Pay with four. I bought an Apple Watch.

Why do you need an Apple Watch? You don't. You don't. You're borrowing $100 just to survive. Apple Watch? Congratulations. I love it. I wouldn't do it if I couldn't afford it. Right. But. You're not even wearing it.

No, no. Look, it got stolen from, like, they give it to me and it was an empty box. So I got all my money back. I got all my money back. So I'm not. So I'm not paying for it. No, I got all my money back. That $98 that you put towards that?

All of it. I got all my money back because they delivered it empty. Which are all for me? Yeah, I got all my money back. Drying from Cash App. University Market. Oh, we're back. We're doing it on both cards.

All the time. Oh, something fanatics. Oh, that was a jersey. For what? For who? For a Cowboys jersey? You guys suck. And the Lions honestly beat you.

Let's be real. The Lions actually... Well, they didn't. Because if you look at the scoreboard at the end of the game, you know, it's kind of a W. But I got that jersey for when we went to the... Did you guys even make the playoffs? We went to the playoffs and we went... And then you lost the first game.

And then you lost the first game. That's hilarious. We're right at eye fans. Yeah. you guys in the Super Bowl never in my lifetime quad pay $56 McDonald's price picks now we're gambling now we're gambling

did you know it gambles price picks Reserected games Going in get in some tequitos university market University market university market university market Quad pay $56 more fanatics to Where do a game and lose Prize picks more gambling JD's and university market

My gosh What do you buy the university market? Oh, every morning I get a Starbucks and a pastry. Oh, what a f-joke. Go to Trader Joe's, bake a thing of pastries. They're easy, they're delicious, take them out, and brew a coffee. It's easy. We have them there.

They're there for him. Where? At the house? That was 45 minutes, and we went through the financially responsible one. I gotta call you out, man. call you out, man. You're making excuses. You're deflecting. You're pushing off. You're... No. No. Yes. But... Okay. You'll scoreboard toward the math at the end. Your

statements just told the math at the end. How do you possibly... How do you possibly disagree with that? How do you possibly push back against that? It was reality right here. And if you're not willing to come on and take a wake-up call, then what the fuck doing here? Because you also got to look at her money and her stuff like that. It doesn't matter what she's doing. It doesn't matter what she's doing. If you're spending a like that it doesn't matter what you. When I have to support both of us, it does matter. You're going to the fucking shop and gambling and doing some OF and spending all the money on fast food is not supporting her.

I don't know. I don't agree with that, to be honest. How do you not agree with that? Because you- How do you not agree that going to the fucking university market is not supporting her? How do you agree that paying to jerk it is not supporting her? How are you agreeing that buying jerseys is not supporting her? How do you agree?

Because I'm paying the rent. I'm buying the groceries. That just the matter. Did I call those out? Did I call those out? No. I called out the bullshit that you're spending. And you're not willing to agree.

You're not willing to agree that you can't afford that. You're borrowing $100 every second of your life and paying 5% on it because you can't afford to live. No, yeah. That I can agree with. But like I said, I do that because I feel like I get the bare minimum done. You're destined for failure with that mindset. I'm just going to be real. Like, leave the conversation at this point, honestly.

If that is your mindset, and you are not willing to open up and change, you're destined to be a financial for the rest of your life. With that mindset, I don't want you to be, even with, even you being a Cowboys fan, you deserve a live a good life. So I want you to live a good life. Yeah, I mean, I want you to.

But with that mindset, you are never going to. Yeah, for sure. Financially. Reflect on that for a thing because we're starting in your documents. And kill me, 730% interest rate, death loan of insanity. What is this even for? Would you borrow $450 for and then have to pay $1,080 of interest? I was a loan.

Yes, what was it for? I needed the money to pay bills. That's what it was. What bills? I thought he's taking care of the bills. That's what I've heard this whole episode. No. I actually think that was when we were separated.

And so I needed a loan to pay for my bills. Which was over a year ago? Yes. Are you paying for it? not paying on it right now Oh, why not? You're an adult who signed a contract Because I need to pay it all at once

So not... That's not true. That's not true. That's not true. You had payments 139, 139, 139, 139, 139, and you're choosing not to pay them. That's not true. Don't... I have the documents in front of me. I know the reality.

Yes, I paid because they took out, but I had stopped and I wanted to stop and paid all at once so it's not as much. That's not how the fucking... But you can't stop the minimum monthly payment. That's not how that works. I agree. Sure.

bunch of money paid off early. That doesn't mean we stop paying the minimum monthly payments. Well, there's I mean, no point. If I'm going to pay it off the once. No, no, no, no. You can't miss minimum monthly payments. They did you with penalties. They send them to collections. They f*** you. So that's what that was for. Yeah. How much you owe on this right now?

Do you even know? I haven't looked at it lately. No. I'll save this. Because I don't know how to put that in your debt column. I don't even know what that's... Okay. Oh, kill me. So a phone that you borrowed $179 for,

of a total 277 payments, buy monthly $78.44, and paying back a total of $2,885, also known as the finance charge being $1,205 for your phone? What predatory shit is this? Buying an iPhone. You didn't even know? Did you know it was this bad?

No, I didn't. How? Because I don't look at it. You signed up for it. Yeah. That's under my name. He did. This is yours.

Yeah, but it's her phone. But she's been paying it. That's where we got. Oh. That's her phone. I'm the one paying it then. I know this is hard for you guys and I'm giving you like I'm beating into you. It's for a reason.

This is the point of kitchen nightmares where he called the bull. I try to get something at the end. But let this be educational for you all out there. learn what you're signing up for. I know a lot of the people that learn things from the show, you're not going to learn the same things that, like, the money guys talk about. This isn't an investing show.

This is for the vast majority of Americans who need a wake up call and get the finances started. Let this be a lesson for you. Finance charge of $1,205 on a thing that was $879. Are we making the payments? Yes. Yeah. I think she just...

What's the balance right now? The last two payments. How many... when did this start uh i was over a year ago what's the balance now i think it's about 319 to pay it off in full so we're almost done with that and it was less but i didn't pay it so they put another charge a year ago yeah it was a while ago to be honest she's had how long ago i'm not sure how long ago exactly it was a year ago it'd be paid off i'm not a 13 month plan it's almost a year almost a year yeah i'm just trying to figure how many payments we have left

Two payments. Two. Yeah. I can pull it up on my phone as well. That doesn't make sense. The payments are $78.44. They charged me for not paying it. Yeah.

Because she wasn't working. Yeah. And he didn't want to pay it. No. I'm not going to pay that. So this is... As soon as I get paid, that's where it's going to too. Is a kid in the future?

No. No. And I don't have to worry about that conversation when it comes to the life you guys are living and what you'd be pushing on. Well, now. right now I asked the future I didn't ask right now oh yeah no not right now gotta look at it it's not possible so yeah it's gonna adopt it's hard for her okay and that's fine I'm not not saying you should or should have shouldn't figure it out

we both want a kid that's where we put it okay well OF is not gonna create one just let you know it's not how that works biologically yeah didn't even know about that sometimes I'll This is. Your couch. Oh, this is my couch. This is my couch. What's the balance left on it? I think it's about 1,800, 1700 right now, something around there.

Yeah. It's not a lot of it paid off. Some of it's paid off, not all of it. Yeah, some of it. What's the interest rate? I'm not sure, but I was paying about $200. You guys not know any of the things I'm asking. I just couldn't find it.

I forgot about it. I tried calling them getting all the information. What's the minimum monthly payment? It's $283. Oh my death. The fucking cost of the couch was $879. Yeah. And after making payments, you owe $18,800.

$1,800. What's the minimum monthly payment? $283. You guys are getting taken advantage by like every payday bull-high interest rate craziness. Yeah. To $18 a month. Yeah, I feel like I made a few bad decisions from the beginning. And I'm not going to lie.

Did you? Yeah, I did. But I'm trying to fix it. And also wasn't making. that much back then. Actions have to be behind it before we say we're trying. Well, I mean, I got a new job and I'm, you know, I'm moving up. How long have you been in this job?

I got it about in August. Exactly. It's been a little while. Having a new job making more money does not matter if we spend all the money. You're borrowing $100 to get the next thing. Yeah. Literally making more money does not matter if it all is squandered. Yeah, for sure.

Absolutely. Capital credit in Nevada. That's my car. What kind of car do you have? 2013 Nissan Ultima Oh that sucks I had that exact same car The transmission died almost immediately

That's what I hear about them Yeah no that's absolutely terrible How many miles are on that? I think it's about 90 It's 90 How does it even survive that long? That car is terrible I had that exact same

Wow Good luck Yeah I don't know how long this is gonna Yeah exactly But she needed a car So it's not like we No I got you

I got you But this is Ooh that's a fucking part of have minimum payment 318 are you paid this i haven't since i've oh no you haven't the last two payments i haven't haven't we just paid one of them we just paid one of them so the other ones have all been good on time just the last two missing one is missing one and that's all it is that's all the faking takes don't care if you made them all you missed one you missed it that's i didn't have my job and i'm so waiting to get paid from this one i know i know

But you could have gotten a service job. You could have gotten something that was and sucked and no one wants to do, but you could have gotten it because they're desperate. I was looking. For an overnight McNug, you could have done that. I mean, I applied. I was on need all the time. Applying.

Applying. To those types of jobs? No, no. It was like. Yeah, because that can't be true. Yeah. And then like, to be honest, I don't know. She never.

I don't know what your resume looks like. Your resume may have your interview shows. Things may have smelled like weed when you showed up to the interview. I don't know. No. There's many reasons not to be hired, but anyone should be able to with a good work experience, decent resume skills. In this town specifically, I can't speak for everywhere else in the country, but in the town you live in, they are beyond desperate to hire those less desirable jobs. I didn't get hired.

They weren't. I don't think you applied to those. And then I... Because you would have said you applied to those the first time I brought it up if you did. And now you're bringing it up. No, I did. I applied on a need. To a lot of jobs? To McDonald's?

No, not to McDonald's. But I played to like Target, Ross. No, I didn't want to work at McDonald's. I don't care what you want. Nobody wants to... No, no, no, no. It's a temporary situation. Why is this about want?

Why does everyone have this on the show? I don't give a shit about what you want. You're an adult. You're almost 40. You have needs. Needs to precede wants in every category. I'm going to be a 40-year-old working McDonald's. You would be a 40-year-old paying your bills instead of missing them.

I applied. I did a place. And then I finally find a job And they took forever You've changed this story like 10 times If just no You've changed your story like 10 times now I'm not going to allow you to say things that make you

Sound good Department of Education too like to I think this one's yours I think this one's serious I think I accidentally got this in her pile Yes that one was wrong That's what I thought This one's yours though We have collections

It's raining collections in your life It's raining collections in your life $194, $4,470 $528, $671, $817, $920, $1,004, $1,163, $2,3,000. It just screams beyond irresponsible, beyond immature when it comes to finances. The finances, I'm not saying you are in life in general, but the finances. Good, at least because I'm not. Yes, finances.

It's work. Huh? So I don't get into it. What? I don't, and I need to. What do you mean? What are you saying? I don't look at all of it.

It doesn't matter. You still took it out. Why are you not paying anything ever? Ever? Can't. Not ever. It's not not ever. Buddy, you have one, two, three, four, five, six, seven, eight, nine things in collections.

Over the course of years, that's insane. And they would fall off in seven. So this is insane. A lot of these are 2023, 2022, 2021. That's crazy. That's fucking insane. I think those are some of her medical bills. She didn't have insurance.

The insurance is not the best where she works at. So, kind of, be honest. Capital one? No, that's his. That was my credit card. The credit card. Sorry, with these documents, we did have trouble with the screenshots, seeing what is, who's and how.

Tell me about this. Who's this then? Before I assume. Are you paying your student loans? Me? No. No, this one's hers. That one's hers.

I need, I... Oh, good. Yeah. So trans world systems. So now there's 693-0 and then 281 to something else and then $194 to something else plus we have $1,000 who even knows if that's the correct number in student loans that we're not paying. Oh, my death. This is mine? Mm-hmm.

Dude, I don't know if I can help you. I hope you can. I'm a work in progress. I'm a work in progress for 40 or 37 years. half way through your life taking money from your savings getting some tiquitos a loan repayment you're also taking money from cash up

and then paying it back that's pretty much all for you I'm a little confused you said she's just spending a bunch of bullshit stuff like that 99% of the well she wasn't making she wasn't making any money so I was paying like going out to eat she did ask for money

sometimes she was making money during the statement we've been looking at though no but like going out to eat and you know she didn't want to make food and stuff like that. Is this true? Is this true? Sometimes I would go out to eat.

I would say go out to eat. Yeah, it's not just me. No, it's never just me. It's on your state. Yeah, for sure. But it's not. Most of the time we go out to eat, we go out to eat together and stuff like that. I think groceries are that much cheaper.

Isn't because you don't want to cook? No, I honestly don't think groceries are that much cheaper. They are that much cheaper. Versus us too. They are. It's pretty basic math. If you, you're going through the budgeting program that we have here. You're going through it.

Take it. That will probably be more helpful. That'll probably be like the best thing you guys to do. Do it. And there's a grocery shopping list there. It may be that you guys can follow with good diverse meals. They get your caloric needs that are healthy on a daily basis, weekly basis, monthly basis, and it's $300 a person. Yeah, we paid less than that.

We were paying about $500 for groceries. Yeah. Yeah. So it doesn't count. Yeah, we got a whole fridge of groceries in the house right now. And then a card we're on stupidly together. Oh, there's the cap one. Okay.

Yeah, that's the capital one. $5007. And I pay that every month, but I had to, I don't think I paid that one in time. So, but it's down to $400 right now. I've never used it. Great. So it's $100 down. It has to be because at the time of this, you were over the credit limit.

Yeah. With interest accruing, purchases happening, more purchases than putting money towards it. Only $50 in towards it. Yeah, but now it's down to $100. Oh, good. What is it going and stopping and getting some drinks, getting some sounds? KFC. Just get chicken that tastes like food

and then pee terries. So this is bullshit. So this is what we're doing. Then we're paying late fees and crap and bull, dumb, and them. A lot of it's late fees. It makes it hard. Yeah, I know. So we don't spend the money going out to eat

because nothing on there was a necessity. And if nothing on there is a necessity and if nothing on there is a necessity, and when we're missing payments, miss payments, then we're just being dumb. As easy as that. Debt payments, $436. and 19 cents net.

11.5% of the overall spending for the household. $882.91 or 23.2% went to housing. $109 or 2.9% went to phone. $2.49 went to transportation or

6.1%. $488 to 6 cents went to groceries and that is 12.8%. 511.211 to 28 cents or 13.5% went to eating out. $113.69 cents or 3% went to unknown shopping. That's usually Amazon, Walmart, Target thinks we can't determine what came from there.

1.1% medical or health care. 1.3% or $50.30 went to subscriptions. $458 and $44 or $12.1% went to miscellaneous. This is you going and getting your coffee every single day. Coffee and whatever pastry you're getting. $476.70 or $12.5% went to other large person. The other large purchases were mostly cash apps out. A benefit guarantee. What is this one?

Guarantee that. That was her insurance when she. Guarantee me? Yeah. When she lost her job, we had to pay for insurance. Cash app loan repayments and vivid seats. Great. Yeah, concert.

That's what we can afford right now. Well, that one, that vivid seats, we had her friend pay us back because I bought her tickets because they don't have a credit card or whatever. but I did our tickets on the zip or whatever. You still can't afford your tickets. But I did it on zip, so I needed it for. And you can't afford that. And that's one of the most irresponsible financial things you can do.

And we can't afford to make minimum monthly payments on our student loan. Yeah, but it was a Cowboys. Oh, shit. I'm, oh my gosh. Oh, my gosh. Oh, my gosh. You, man. Oh, I'm sure you're pleasant to be around outside of a financial conversation.

But you just, everything just bounces. off of you. Bounces. It's just, it's insane. I put out anything that is reality, and you cannot internalize it. Everything is an excuse, a deflection, a blame. It's insane. Yeah, she agrees with it.

Yeah, that better be a fucking coke laugh, because at this point, my heartburn's going insane. Of the household, what came in? Payroll is only $3,036. Yeah, that's just mine, because she wasn't working. What went out?

$3,799. That's probably just extra money that we had previously. No, you have no money. You're borrowing money. Your credit card balance went up. I know it didn't sense that statement, but... Okay. No, it's money you did not have.

Plus, there was barely any money starting the accounts to begin with. So, no, that's not true. Don't even make... At least I don't... Oh, I want to make a budget. I don't think you guys are even close to the same page. No, let me just fight. about it. You fight about everything. You deflect on everything. You know nothing when it comes to

finances and that's okay. They're both okay. You're having a natural human defense that is totally natural within human psychology. You just have no education and personal finance. You both have your own addictive tendencies. You with the OF, you with the... You with gambling and you with... Yeah, that's all the... That's the only thing that's been. Yeah, but it's a lot. It is a lot. It's not money that we have. I don't... think me making a budget is going to be helpful um i think it will especially with her we're her she just got another job so i know but i don't think you guys will follow what it's in you didn't even listen to like any of the shit i said it all just drowned off you i'm just trying to see what's

effective for selfishly just my time so i don't think it's going to be worth anything no like we want to change yeah i think we do oh this is this is i'm going to freak out if i hear I'm trying or I want to. If none of that is backed by any actions, it doesn't matter. But we've also been making the wrong choices, so I think we need to, like a guidebook, like a little map or something like that. Go through the program, go through the program. But as well, in your mind, how are you paying the loans off?

What's your strategy? I do. I want to keep working the same overtime that I'm doing, which is more. more than enough to pay my bills and pay on the loans. Yeah, but are you going to? Because every time we make more money, it all just goes to instead of putting an extra towards the loans.

Yes. As a house. The one is there. So I can make the budget. Again, I can make it. Whether or not we follow it is, and I don't think you will. I think what's more effective, have you guys ever been to a couple's therapy? Have you guys ever been to a couple therapy? We talk about it a lot. We haven't. Okay. I know

it's hard within your insurances or whatever, whatever you guys have. I don't care. Let me cover the session. Find a couple therapist that works for you guys. Let me cover the first session just so you guys can see if it's even something that might work for you guys. Let me cover the first session. I think that if you guys are not on the same page, I can make a

budget all day and it won't matter. But if I can start getting you guys as a couple working together and on the same page better through someone who's mental health qualified in that way because that's not what this conversation is ever going to be about. We're just about finances. Start there. Start there. The relationship

needs to be the core thing that we're bonded on here before we start you could follow the budget and she could not you could follow the budget and he could not and then it's just it all falls apart there's no point so let me pay for that first session see if you guys like and then continue it if you can uh and you should and uh go through our budgeting program go through our budgeting program and then get connected with all the other resources that we're going to send you as well and stay in touch and let us help you but right now making a budget is going to be honestly a waste of my time waste of the audience time because you guys are not going to follow it at this certain point.

We need to take care of the relationship right now. Yeah, I agree. Yeah, absolutely. You know, especially, you know, we've been, sometimes we, you know, add each other's necks. Both our parts. Yeah, both our parts, absolutely. But, you know.

And also, if you're looking for more, because you're in Austin, it's a tech city, I'd be happy to also, I like to do this for guests that seem like they might not know what they're doing in their career field. Let me send you a link to course careers who I partner with for different certifications. If you're interested in any of those, I'll gift you want as well.

Yeah, like, we really do want to make this work. Like, that's education. We'll get certifications, and it might help a career change. So let me gift that as well. If that's something you're interested in, there's also no pressure to do that, of course. But what scares me is you guys have nothing. Extra for you. Extra, extra, extra, extra for you, nothing in retirement.

That is the most terrifying part of this. Collections we can just let sit, it'll fall off whatever. It'll put our credit. That's fine. What happens if something happens to you? and you just, you have no money. You're going to be living on the streets. Social Security, we can't rely on that by the time we retire.

Because I have my time to rely on, too, sometimes. For now. For now. For now. What if they're just like, what if they just like, we've tried to help so many times? First of all, they are just enabling you. To be very clear, they're just enabling your bad behavior. They're not helping in any way whatsoever.

So they might cut it off. And I think they honestly should. I would because I think that would actually be more beneficial to you. And at that point, what do you do? So you have nothing in retirement, and that scares me. I need you guys to go to the couple's therapy. I need you guys to get the relationship on a solid foundation, get aligned, aligned on your finances.

Then go through the budgeting program together, take it together, take the quizzes together, build out your budget together. Get connected with the other resources we send you. Feel free to accept your gift of certification, look into better career options. Go from there. Pay off the debt through the budget as quick as you can. And I'm willing to help you in that time.

and talk about the order to pay it off again i don't think it's productive for this conversation right now do that save up a full six-month emergency fund for each of you because you guys are not married so whatever it takes for each of you to survive on your own do that because we know you guys can take breaks so don't get in a situation where you're both taking payday loans out again separately yeah that's insane that that happened stop doing that and then at that point you need to start contributing maybe 25 to 30% on a monthly basis to retirement you need to start contributing about 20%. We can start opening tax advantage accounts and then

once you max out your tax advantage accounts and potentially 401Ks, whatever offered it worth, work we can start opening brokerages and stuff. I use MoMo, that's a good one. I can get you guys set up with that. We just need to start maxing out those accounts and investing. And from there, then we'll finally start to have a financially secure life and you guys can retire and the financial stress of the relationship can finally be minimal.

Until then, dying in poverty, dying in poverty, relationship is never going to last. That's the dark future, I see. If we continue down the path, we're going. Let's not continue to down that path. Be receptive to change. See couples therapy. I mean, we're in collections. We have nothing safe for retirement.

There's no emergency fund. Our spending's beyond out of control. Every single category of our highman financial score category is zero. So, Amber Finan, you said six and then a four, you said five, that's a joke. Hammer, financial score for both of you. 0 out 10. Make sure to check out all the resources linked in the description below. They are what I use or would use in specific situation, including the best budgeting program in the history of the world that they're both also going to take. Thanks to all of our Patreon producers for making

this episode possible. If you want to participate in an episode of financial audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.