Financial Audit - Evil Husband Forces Wife Into $356,955 Of Debt | Financial Audit

Episode Date: November 17, 2025

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It's his fault. We got into this because of him. I handle everything, right? Did she want to be a part of it? No. I didn't want to be part of it. We ended up falling behind in a lot of payments because he wouldn't communicate to me what we needed to pay on time.

And you just lied? Well, it's not that I lied. It's that at the time we were doing okay. He did. How about you guys sit down and do it together? Because his ideas won't work. You asked for a fourth. and I'm delivering. Master your money my all-in-one personal finance platform is finally live.

Get access to all of my courses, templates, calculators, budgeting community, and the dollar-wise app. And for this Black Friday only, grab the Ultimate Hammer bundle. Lifetime pricing at just $39.99 a month. Unlimited use of the dollar-wise budgeting app, a free month of Hammer Elite 3.0 and a bonus cookbook. Click below and start mastering your money today. Hi, I'm Maria and I'm 27 years old. Hi, Santiago, 29 years old and we're from Houston, Texas. this is the financial audit. It is. It is. Thanks for coming over from Houston.

I really appreciate it. I love how even with your fake name, you gave it that nice Mexican twing. You got to keep it. You hit it on the full accent. Got to keep it real. And we gave you a nice racist name as we usually do. Thank you, Colton. Well, welcome. Welcome over to Austin. Happy to have you guys on financial audit. Well, let's start with you. Maria. What do you do for a living there in Houston? Um, I'm in, uh, in, and, uh, and, well, oh, I'm sorry. I'm an engineer. Oh, sick.

What kind? Um, I just do engineering. Let's keep it at that. Okay. What do you make? You don't have to tell me the industry or anything, but is there like, uh, engineering is, could be physical. It could be engineering. Is it click clacky engineering?

Yeah, click, clucky and outside. There you go. Oh, and outside. Very good. What are you making? 32. dollars an hour. An hour.

Okay. And how many hours a week are you getting? Typically, I try to keep it at a minimum of 24 hours, but I can do more. She's only doing 24 hours. It's part-time. Why? Well, I have a daughter. We'll get into that.

Just one. One kid. Yeah. And I live more. Huh? Huh? Two years old. You live what?

Far away from Houston. We live out in the outskirts. In one of the suburbs. Get a job closer? I tried. It didn't work out. It didn't work out. There's almost nothing out there, that's why.

Maybe we have to move closer. It's still very like up and coming. Humans have to, oh, you own a house. Yeah, I mean, humans have to migrate towards opportunity. That's what we've always done as a civilization. There's a whole story behind it, that's why. Well, that's fine. I don't think I need it right now.

Okay. Very good. What hits your account on a per paycheck basis and how often is that? So every two weeks I get about 13 Okay 1300

Yeah Why she seems so cautious about everything she's saying Is she not confident Probably just nerves It's probably It's the cameras okay I know people get a little nervous No one's used to being on the camera

It comes on the show And I do appreciate you guys coming Everyone you know Everyone just watches the show and then they apply to be on So They need to come on, right? Yeah, you guys did. Santiago, what do you do?

So I'm a construction safety guy, basically. Safety guy? Okay, very good. How much you making? So I make, it's a yearly salary. It's 86 plus, you know, we get a yearly bonus and stuff. What does that look like? The yearly bonus?

So it's about 19% of your salary. That's actually pretty damn chunky. So what hits your account per paycheck? Per month, per month? Per month? So I get paid, it's like 12.50, 1240 per week. So per month's like, well. 12.40 a week?

Yeah, so it's like 49. 50. 12.40 times 52 divided by 12. Average it out, some longer, some shorter. Looking like 5,373. Yeah. And on top of that, I do have like a second job that I kind of just. Like a second job.

What is your like a second job? So I teach OSHA classes. So I'm an OSHA, like, outreach trainer. So I do like OSHA 10s and 30. What are you making from that? It depends, right? On average, average it out. Average it out.

So for the past couple weeks, like, let's say I do one class, it's like $4.50. What is average? What is it average? Like, over the last like, how about quarter? Let's say $450 per week on top of regular salary. Good. I mean, I love that. 1052 divided by 12.

That's an extra. I mean, look at that. I mean, look at that. It's about right. He recently got that job, too. Oh, that's good. In the past two weeks, two three weeks. Well, because you don't work.

No. Well, that is nine. It's his fault. It's his fault. We got into this because of him. He wasn't telling me. No. I mean, you both did the act.

It's because he wasn't telling me any of the finances. I was trusting on him. What do you mean? Like, he was taking over everything. And, no, no, no, hold on, hold on. Before he starts, we think, this is the problem. So. Sassy, Latina, here we go.

Oh, yeah. So the. Still highly recommend. So it started with him, taking over the finances, like him taking over the payments. I will ask him, hey, what do we owe? What do we have to pay this week? And he'll be like, I got it.

Don't worry about it. Just transfer me $700 or give me this and then I'll pay everything else. So I was, you know, trusting him that he was paying everything. And then he started saying, okay, we might not make the payment for the mortgage. We might not make the payment for the car. It wasn't exactly like that. Why were we taking control of everything like this? Like almost forcefully.

Like, it sounds like she kind of wanted to be. participating in it, but you were just there like, oh, it's me, Santiago. And I'm taking over all the money. Like, I own everything. It wasn't exactly like that, right? So essentially we both were working professionals, right? Once we graduated and got together. We had to almost every man and woman.

Well, yeah. But the point is, so we were, when we were living together, before we had our daughter, we were both working, making good money, we were like, all right, cool. We got some, you know, we got some flexibility. We'd go out a lot. We, you know, do all the normal people do, right? It can fit in the fun budget, then yes. Yeah, well, that's the thing.

At that time, we had a fun budget. We, you know, we had enough. Whenever, you know, she got pregnant, you know, we're like, okay, we need to move into, we need to upgrade, right? Get a house, do this and that. Why? That's when. Why? Kids are raising apartments all over the world.

That's what I tell. Yeah, I know. But we lived on the- Oh, you told him this? Yes. Oh, so he was really pushing this? Yes. So you didn't even fully agree. Yeah.

The one who got pregnant. Hey, so. Dude, she's the one that got pregnant. Had to give birth. Thank you. Mostly raised the kid. And she's like, I'm chilling in an apartment. I'm okay.

We were even looking for another apartment. And then you're like, let's try to get into the house. And I'm like, no. Yeah, the floor, first of all. Second, we did. People, there you go. Second, people live on the third floor. Bro, it was, all right.

So there's no elevators, though. Well, most don't. No, no. Apart from that. Yeah. They were ghetto too. But they were not, it was supposedly in a nice area. But it was ghetto, dude.

Like, you'd come outside and it's like, you got cars broken into. Well, that sucks. We moved apartment complexes. That doesn't mean we buy a house. It was still better. You can buy a house in a ghetto area where they slash tires. Well, I'm not even in a bad area, and I had a window smashed like last year. Well, the thing is, so like, what we're paying for the apartment complex or what we're paying for our apartment in Houston, the market's crazy.

So it's like, you're looking at 18-0. It's not the most expensive city. It's not the most expensive city in Texas. It doesn't matter. But if you want to live in a semi-nice area... It's crazy. If you want to live in a semi-nice area... Dallas is more expensive.

Austin is more expensive. Houston's more expensive than San Antonio. You live there. There's more work, more everything in Houston. So there's much more competition. More people want to live in Houston. There's a lot more work. It's a booming city.

I believe Dallas and Austin are growing percentage faster. But Houston is the fourth largest city in the country. However, it's mostly just suburban sprawl. I mean, and highways and death and depression and horrible. Yeah. But no, it's, again, if it's everyone's fighting for a place, that means prices would go up more than everywhere else in Texas and that is objectively not happening.

So that's a cope if I've ever heard one. Well, the way I justified it was, all right, look, we're paying, you know, 18, 19, 900 per month for an apartment. Sure. That's what we're going to pay in mortgage. That you didn't have to you necessarily. Yeah. But a mortgage locks you in.

rental prices go up and down. Listen, we build in Texas, and Austin has gone down about 40%. That can happen in these type of markets, you know? So, but cost of housing has only got up in terms of owning a house. But you want to interest rates and everything. The idea was we built some equity in a house. Okay, at that time, we had some. Yeah, at the time, yeah, we could.

You were heavily against it. This is what happened. We had the money. We justified it. We're like, all right, we're making good. money. We're both working. Were you making just as good money? Because you're making 10,000 hours a month. She was making more money.

Were you making 10,000 hours a month? Because you guys are netting right now, which is incredible. So I don't know why I was struggling. So you made less? I made less. Okay. I didn't have that. Okay. And what was her argument against it? Can I hear that? Because she's the one that made you apply. What was your argument against? I have that on my note. She made you apply. What was your argument against it? Watching over your shoulder as you were going through the application? Mostly because I'm the faster typer. Mm-hmm.

It's weird. engineer, but okay. What's her argument? For what? Oh, come on. You're telling me every reason why you wanted to do it. Why was she against it? She was against it because she's like, why do we want to get a house right now?

Let's just continue to live in an apartment complex, isn't that? So I work construction, right? So I work kind of all over the place. So like at that time I was working, let's say, very on the south side of Houston. And any chance you remember towards the beginning of the conversation when she says there's not a lot of opportunity in the places that you as in where you bought and now you're stuck in? Get a job closer. There's almost nothing out there, that's why.

Okay, so the thing is, when we were in a process of buying the house, we were trying to look outside of Houston. We were trying to be a little bit outside. We never thought we will end up all the way. Well, Houston proper is not that big. It's endless cities around it. So I don't know. Well, Houston is huge. We wanted more like...

Houston metropolitan area, yes. You can say we wanted more like a way from the city type of idea. We just wanted to be outside of like hardly a city in Houston. Dude, Houston, you drive. Have you? That's not routed. Two hours and you're still in Houston.

It's not crowded. Houston is not crowded. It's objectively not crowded. When's the last time you've been there? Houston is objectively at every human density metric not crowded. It has traffic because you have people sitting in cars are larger than this little area that you and I are sitting

in right now and it's one person per car because we decided that's the most of effective Houston transportation. It's not crowded compared to almost any city in the entire world. Houston's not even close to crowded. You have no idea what you're talking about. It seems crowded to me. It's not.

It has horrible transportation. It's pretty fucking annoying. It has the widest highway in the country. I know. And it still doesn't work. Yeah, it doesn't. You guys are really... Us?

I believe the... That's Houstonites, yes. I believe the transportation engineers. Uh-huh. Okay. So you made him apply. Why? to financial audit because it's his fault that we're here.

So he has to play. Because I hear the house thing. Okay. I get the argument. I think it was stupid. You just didn't need to. It was the need. The need didn't exist.

But go on. So why is it his fault? Tell me. Because we ended up falling behind in a lot of payments because he wouldn't communicate to me. Well, we needed to pay on time. Why? He just kept brushing it off.

And it's also, he wants to please everything I want. So if I wanted this, he'll buy me this. If I wanted that, he'll go get it for me. Like, it's just treating me like, the queen. The way I see it was she was spoiled. Yes, I spoiled her a little bit. But the thing is, I needed to keep her not in the dark, but like she needed to just worry about like our daughter.

I didn't want to add any more stress to her. So I was like, she's two now. Okay. She's a handful. But she, this is our thing. Honestly. I wanted to keep her kind of just focused on that. And then I'll like worry about the.

bills worry about that. Yeah, you want to know how to stress out a wife that just had a kid and you guys kind of still just had a kid? Not paying your bills. Be minding your bills. Risky losing the house over your head. I say that stresses.

Yes. You see? But at least I carried the burden. Like, in my sense, like as far as the burden of the day, like I tried the burden and then dropped it on our head. Look, the way I see it, the way I see it. I was trying to keep her. I wouldn't say like protected,

but like I needed to kind of take care of it as the provider of the family. And then you didn't provide. Well, it was kind of hard, dude. Because like, so we had like, we started out as a dual income household, right? Okay, we were both working. She was working. I was working. Then you're like, ooh, we're about to have a kid.

So we're going to be a single income household. So we should probably buy a house. Well, this is a thing, right? So the idea was she's, you know, she got pregnant. She took her leave. We had the baby and everything. Afterwards, the plan was for her to go back to work. You guys are freaking in 10,000 hours a month.

That didn't happen, though. You guys not know you guys are doing well beyond the median in Houston in the United States and everywhere. But now that we go out for that. And then you made him apply. Yes, because we need that up. We dug ourselves into a phone. You dug us in. Okay, we are a team.

We dug ourselves into it. Okay. She's saying you. Now you're including me. Why are you saying that specifically? Why are you doing that? Because of him. The reason why we're here because we're backed up on page.

because he never told me anything. I want to hear details. Just tell me about the whole thing. How did it look? How did it look? So then I ended up finding out that he ended up ponting his and asking for money to his mom and his dad to pay this, to pay that. And then we weren't able to afford daycare. And it's just on and off.

A lot of things. That's kind of skipping a lot of steps along the way. No, that's a lot of shit built up through there. So she was working. She took time off And then afterwards she's like Hey like because she did right Like she dealt with postpartum and all that

She didn't want to go back to work So I was like okay look I did go back to work Let me let me tell you that story She went back to work for three months I had about two months of leave Because I ended up having C section Okay I went back to work

I went back to work like about for three Four months I couldn't do it I was going crazy with my daughter I ended up kind of getting like anxiety Postpartum depression Yeah I can accept it crying and all that stuff. So I was like, I can't do it. At that time, you were in another job,

remember? You were making more money on that time. Well, before that. She decided, she's like, okay, well, you know, I don't think I want to go back to work because it was really hard for her to be away from the baby and just the, you know, like the anxiety, postpartum and all that. So I was like, look, my buddy is telling me, let's start a company. Oh, fuck, dude. So what are you on about? He got me. Why, dude. It was a good fucking deal. So he was like, look, I'll get you a guaranteed salary. He's like, we're going to build this shit from the ground up.

It's going to be for us. Guaranteed salary. Who the fuck says that other than applying for a real job? Well, so here's the thing, right? We were like, oh, it's going to be for us. All right, cool. So I ended up leaving my job, right? No.

I left my job to start this. Well, she was out. Well, she was out. How do you have a salary at a brand. business. That doesn't make sense. Because we had a, like a, you could say like a fund, right, to start the business with. What was the fund? It was, I won't

get into that too much, but it was a significant. It was at least over 300K. How? How'd you have that? I didn't. It was, it was, it was, it was my buddy who started the company. Essentially, what it broke down to me. He didn't give it to me. So he was the owner. But he promised, in Pomer's payroll. He promised me a salary.

A salary. Okay, so you were working for him. You weren't going into business. What was your role? And promised salary. I was the operations manager, essentially. And promised salary. So I ran 100K plus bonuses commission. Okay. And it was good for a while.

Yeah. So like the checks would roll in. It would help us. And I was like, all right, look, you're struggling to go back to work. Just quit. Like, I got it. Like, I think we're making enough money. Because at the time we were, I was like, I'm making enough money to sustain us.

You can stay home, whatever. And so the idea was she gets out of work for a year until, you know, our daughter. old enough to like... So I got off. You guys don't agree on anything. He's talking for me and I tell you don't talk for me. Let me talk. All right.

Tell you. So this is very frequently. Yes, bro. I tell you not to talk for me. I feel like we have these conversations pretty often, don't we? Somewhat? Weekly actually every Friday. Yeah.

Yeah. Well, that's good. So I ended up trying to leave work. But the good thing about my job was that my boss was actually very nice enough to give me more time to be out. Good. Love it. So I was out for about six months and was supposed to be able to come back in. Do we not realize that this was two years ago? Yeah.

Like what the f***ing happening now? Okay. You guys, you're over the limit on three cards I have. Well, two cards. We dug ourselves into a hole. And in order to get out of that hole, we dug ourselves into a deep, you know. How does that make sense? You.

You. She says you. I did. What did you do? We were trying to maintain the bill so we didn't lose that was important. Right? So I was like, okay, we're struggling to pay the car. What was your income at the time?

At the time, I only had the single salary. And that was before I got a raise. What salary? I was like at 76. So obviously, first of all, 76 is great. What's the struggle? That's still doing better than the median household. Actually, combined household incomes?

Yeah. Is that? You're doing the what is usually two salaries. So I don't know what you're struggling. with you obviously lost that other job or he stopped paying you. Well, the business went under, right? So there was a couple months where it was like, yeah. So it was a couple months where we were doing great, right?

And then towards the end of it, I mean, I think at one month, probably the lowest we made was like, I made 500 bucks the whole. And so it was like, dude, I can't do it, man. I was like, I got to go back. So why were you struggling at 75,000 hours a year, though? Because that was when I went back to work at my old company. Yeah, but why were you struggling at 75,000 hours a year? Because we had accumulated all the debt from going from a two-income household to a one income income.

So how did you dig the double hole? So like a quadruple hole. What did he do? So by that time we were already living at the house. Yeah, in common. We had already purchased a lot of things, stuff for the house. And then... What did he do?

All the joys. He said in order to get out of the hole, he dug a deeper hole. What did he do? Well, because he ended up leaving that job with his friend or they went bankruptcy, whatever. He ended up making less money now. And then now that we, payments were coming in, you weren't able to catch up with those payments. And kept falling behind, kept falling behind and having to get loans and having to pawn your gun. So you're taking out loans for sure.

And pawning your guns is so, I've never even heard that on the show. Yeah, I know. It's because, dude, I had a lot of. I'm like, well, we need some quick cash. I need like 800 bucks right now. Yeah, because you guys are. Yeah, basically. But I didn't want to sell them.

So I was like, let me pawn them. I'll get them back, you know, once things improve. Yeah, but the thing is that when I went back after that six-month leave, I couldn't do it. I felt like I still wasn't ready. And then we were living far. And I was like, the drive is almost two hours every time. I might as well stay home for a bit and look for a job over there.

So I ended up leaving and cashing out my 401. How much? How much? Because you have a child. And that's so hard. Okay, hold on. You need to be able to retire without the kids taking care of you. Okay, so this is the thing.

God, dude. I cashed it out in order for me to stay as long as I can out from work to be with my daughter. But that's confusing because he was making money. He was. It wasn't enough. Okay. It never is, right? If I went through the spending during that time, come on, there's no way you cut back.

People, Americans refuse to cut back. Well, so that was part of the whole digging ourselves into that thing. Because whenever we, whenever I got the new job and all the, you know, 100K salary, whatever. All right, cool. And she had the baby. At that time, I had a truck, right? It was a 20, like a 2015 Dodge Ram. No, you had a silver auto first.

I had a silver auto first. It was completely paid off. I'd paid it off. But it was completely, like, the, yeah, break issues. The reason you didn't go back to work is because you thought your daughter was going to be abused in daycare? It's more like being afraid of what happens because, you know, all these videos that were. Is she going to a Catholic daycare? Because of all the videos that you see like on.

on TikTok and Facebook of like children getting beat up, this happening to children or something happened to baby. I think you're consuming fear a daily basis via doom scroll I was afraid of that. You cannot make your daily decisions

based on doom scroll. I told her that. You can't. That's where my anxiety and depression started hitting. I would be crying every day. I couldn't focus on work and everything. So I was going crazy myself. Well, that part's fine. I'm okay with you taking time. I ended up taking therapy. That's when I ended up leaving those six months that my boss gave me again.

How much did you take out from that 401K? It was like, why are you speaking for me? I'm just saying. 17,000. It's chunky. Yeah, it was good money. Chunky, was that everything?

Yeah. No, I ended up getting afterwards as well more money, like a thousand extra. I mean, a thousand is something. You literally. But it was to sustain me out from work. So that actually helped out for like about 10 months. $130,000 in debt outside of the mortgage. Outside of the mortgage is $130,000.

How was that even possible? What have you done? What have you possibly done? That is insanity. Well, outside of the mortgage. Well, one is the car. Yeah, the car is the big one. the main one that we're like kind of fighting.

No, hardly, honestly. It's like, you know how some people have like a... I'd say more than anything, it would be an RV, but even that isn't meeting up 20. That's not even a quarter of the debt. You don't have any individual debt that is like more than 15% of your debt outside of the mortgage. That's his, I don't want to get in that. Yeah, that's a precarious situation. But, all right, so as far as the...

Is it a fix-up? Is it a buy, fix-up, sell for more money? No. No, you guys are going to live on the road? No. It was for my mom. So what the f***, dude? Okay, okay.

I'm sure we'll get into that as we go through all the debt. But I need to know how the communication around money in the household is right now. Like when you sit down and you guys talk. How do these conversations go? Before what it used to be was I handle all the finances. I handle everything, right? Did she want to be a part of it? I was the response to one.

Did she want to be a part of it? No. You were not responsible. Look where we are. I didn't want to be part of it? I asked you, hey, what do we need to pay? What? I'm getting paid my check or whatever.

I have extra money from the 401k when I wasn't working. Hey, like, are we missing anything? No, you're fine. It's okay. Go spend your money. Go do this. Because I used to go shopping online. So it was lies.

Well, like she was trying to be a part of it, trying to understand if it was appropriate to spend or not. At the time I did. And shopping is not a bad thing whether or not it's appropriate is the question. And you just lied? Well, it's not that I lied. It's that at the time we were doing okay. You did.

We were doing okay. I kept repeating that to you so many times. Stop lying to me, tell me the truth Hey, what do we owe? Do we got to pay the light bill? The gas, the house. What's coming up? Like, I need to know.

Every time something came up, I had a plan in my head. So I would say, look, all right. Oh, you're one of those guys with the plans. I know what's imagining. There's proven systems out there that you can take advantage of. Well, and you wanted to do these plans. You're the guy with the plans. The plans never worked.

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Because, let's be honest, living with crippling debt until your 90 is not the retirement plan you dreamed of. Yeah, I mean, I'll give you a plan. I'll put you through all of our classes, debt class, budget class, all the good stuff. And once I find out about everything, I started organizing on our day-to-day, what we're spending. I will say that. And did he want to listen to it? Yeah. At the beginning, no.

Well, he went. Tell me about it. I need to know the dynamic. Okay. So she, and I will give credit where credits do. I want to see what she learned. Why do you think he wasn't listening to you? Because once we budget, I'll tell him, okay, we have this by the end of the weekend so we could buy groceries.

Like, we only have like $100 left over for groceries. and then he'll go and then suddenly there's a purchase of like a taco truck and like buying food at lunch. I meal prep for a reason and you won't go buy other food.

That was recent. And I'm like, no, I don't care. Do not go out to eat. What's the point of me making the food? If you're going to go out and eat something else. But it doesn't work if you sit there and just tell someone what to do. Instead of actually sitting down

coming up with a plan together and being on the same page, it doesn't work if you kind of create your own plan for the house loan. You're like, this is what you do. Does that work? No, but this is the thing. Okay, so I put in, because he already did his thing on his side, he tried to take over. It didn't work. So might as well me try to take over and try to organize our finances. No, no, no, maybe the takeover is what doesn't work. He tried to take over, you try to take over. How about you guys sit down to do it together? Because his idea doesn't work. Well, okay. I think, tell me about that. We put our heads together, we can come up with the plan.

And lately we have to disagree. We have our income. We have it kind of lined out who's making what, when. And the only one that's kind of like iffy is the second job for me. Because it depends how many classes I'm teaching, right? I can get more. I can get less. Last week I got, you know, over 900. This week I got 200.

So it varies. It averages out. It averages out. It averages out. It averages out. It averages out. So with that, we have like our bills. But the thing is the bills that we do have, they take a huge fuck punk.

Yeah. So at the end of it, we're left with like a hundred bucks. No, that's great. But what's what we really like. No, I want to know that an ambival. around the conversation around budgeting right now when we're talking about what we're doing with the household finances what does it look like?

Right now, this moment is we follow a planner board that we have and the discussions around that is are you sticking to the board? So it's holding each other? Yeah, holding each other accountable. Me holding him mostly. Really? Yes. Tell me.

Because I'm like, hey, you have this payment, this payment, this payment to make my check is going to be saved up to try to make the car payment or to try to make the mortgage payment because I only get like about two checks every month, you know, so then he gets them weekly. So I'm like, hey, you got a firm, you got your credit cards, you got this, you got that, light bill, and all that stuff. And how do those conversations go when you're sitting there telling them all this?

He has to do them. So you just say, but how do they go? How do the conversations go? Well. Okay. I'm like, all right. He just said, okay. She'll tell me like, hey, did you pay that?

And I'm like, yeah, paid it according to the board. And like, recently, like last week, he had made a. other payments. So I have access. We have a joint account. So I have access to see what he buys or purchases or pays. And then I see extra affirm payments. And I'm like, hey, we only had a total like four affirm payments that you have to make this week. Why is there extra? It's like throwing off the calculation that I had for the week. And then he's like, well, I was backed up. I needed to catch up. I was like, why didn't you tell me this in the beginning? Like, you bring up new things every week and it just fucks up the whole calculations that I have. It was on auto pay.

but it was on auto pay to a separate account that I have that's like personal. So it didn't draft. So then it basically said like you're late. So I needed to pay it to catch up to get back in good standing. Well, I know that recently provided by your work, you went to a financial advisor. And your quote to Colton from that conversation with the financial advisor, a sassy black advisor looked at me and said, hmm, honey, you just need to file bankruptcy.

Well, it was virtual, right? So like essentially, I don't know, maybe that is the virtual assessment. I mean, I'm sure she didn't tell you to change your behavior first. Usually financial advisors, honestly, aren't usually the best budgeters. Usually they're good for investing in wealth. This is kind of how that conversation went down. She's like, all right, explain to me your finances, break it all down. I don't need to see nothing.

Just kind of tell me because it was a quick, like, I think it was like an hour long call. And so I started explaining it to her and, you know, we're virtual, whatever. And then every time I'd bring up something, tell her my payments. Like at that time, she wasn't working. So, like, every time I'd say something, she was just like, mm, mm. And then her whole thing was like, honestly, you just need to file bankruptcy. She's like, I don't see anything. Well, we'll see, maybe.

That might be the case. I don't know. And I was like, okay, well, is that going to help with the, like, kind of everything? Because I was like, my thing is it's not just getting out of debt. Changing habits, right? Well, exactly. No one does it. Because if you do bankruptcy without changing the habits first, you're going to be in the same amount of debt.

Exactly. So my whole thing was we need to learn how to change habits, which I think we've improved on. But also... We'll see about that. Right? I mean, come on. Aside from that, though. People improve before coming on the show.

It's like for a week or two because they know they're coming on the show. Nah. It wasn't like that. No, we'll see. Aside from that, though, it was just... We didn't want to fuck up our credit either. So like, it's already kind of fucked up. But it will fuck up.

So we didn't want better credit. You already have the house. Are we trying to sell and move? Yeah. Well, then why did you buy this house? house, dick. To build equity. She didn't want to, to build equity.

You can build equity in any house that you buy, potentially. But you have to buy the house to build it, don't you? So we bought one. Yes, but that, but you could probably would have made more money. We already are making more money. Putting the extra money that went towards a house on payment and whatnot in the overall market. The valuation of the property.

The market's outperformed housing market. And we, we're already like. Yes, but you would have made more money to invest in the rest in the overall market. You would have. But when you would have more money to put down and have a chunkier equity position on a house that you guys actually wanted instead of rushing into a house because, uh-oh, I knocked her up. We did want the house. The house was like, we went to go look at it. She was like, yeah, I love this house.

Okay, so this, we were already in it. So I was like, might as well, I mean. Exactly. Because at the beginning, we were. Well, that's different than I love this house. Hey, I mean. I didn't say I love this house. I said, I mean, yeah, why not?

I mean. Very conflicting. No, because you always see it, you see a whole different perspective of me. I did not say I love it. I said, okay, I mean, we might as well then. Like, he kind of convinced me into it. He was like, no, we got to get our foot in it. And I was like, okay, I guess.

I was like, this isn't going to be our forever home. I was like, I'd rather pay towards a house that we can later sell for hire. I wouldn't necessarily buy into a home that we can't at least consider a forever home. Is it likely to be when we buy our first home? It can be. No. But if it's not even in the consideration, if that's not. And if we're immediately going in like, this isn't our forever home, yeah, let's buy it. What? No, that's bad.

Because you never know what the market's going to do. Well, that's the thing. So we're like, all right, we're going to get like a cheap starter house. I was like, we're going to, you know, fix it up a little nice. What's a cheap starter house? How much? We got it for 221. Okay.

Or like 225, but with the down and all that, you know, it went down to like 221. So right now we're like at 217. Mm-hmm. So that's like total debt. Yeah, but we'll see what it's actually worth once we get to it. That's later on. Okay, I'm going to go 3-2-1. then point, when I point, I want you guys at the exact same time to give me what you think

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Let's get into these numbers, shall we? So Home Depot, that's racist. What's going on? What's going on with this? When we first got the house, like, we needed to do a couple of improvements to it, right? So the main thing was the home dep- Needed to? Why are we buying a house that's supposed to be the cheap house that then you need to put money into?

Well, you needed to get a washer, dryer, fridge. You need that. So it was utilities. Right. Or appliances, right? Appliances. That was at the beginning. All right. At the beginning. Okay. But then it got into, hey. Oh, it's over the limit, you dick. You're dick by hundreds of dollars. Slippery slope, right?

Flippery slope to get over the limits? What are you talking about? Every time you go into Home Depot, they got the field. Yeah, I know. I know you're excited. Yeah. That's pretty racist. It gets me out. but I'm sure you're in it more than you are in her I haven't gone recently it's over the limit

but oh yeah that and they're pulling up with vans so I'd stay away yeah pretty much so freaking uh what happened with that was it started out with getting the appliances all right and then as we were going like every month or every week after that it's be like we also need this we need to get filters we need to get this

we need to get paint we need to get uh... You didn't need Pain. Well, they had, it was just, we needed paint for the, like, touchups and garage, like stuff. Because they didn't paint it. They didn't paint it. Why do we care about the garage? That's what I said.

That's what she said. So, okay. She's always saying no to all this shit you're trying to do, yet you just do? Pretty much. What do you always just do? Because it's needed. Like, we need. Paints in a garage is not needed.

Okay, look. There are certain things we needed because they did give it to us without no grass. So we spend a couple hundred so. So. No, no, no. Pause. So who gives up if there is no grass in the backyard? I need to take out my daughter to play.

I want to take out my daughter to play. Can't have her playing in dirt. She wasn't even born when you bought the house yet. No, she was. Okay. She was a, she was. Wait, I thought you wanted to get a house once she got pregnant and you wanted to upgrade. The number one YouTube membership just got upgraded.

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Join Hammer Elite, the best membership on YouTube today. No. So we lived in the apartment with her for a few months. And then when she turned- Hey, how many rooms are this in this apartment? The apartment? Yeah. Was two?

Two bed. I mean, at that time we had lots of animals, so when a bunny had its own room. at that point. Well, no, when we have a kid. But it was way before that. I'm not saying get rid of the bunny. It doesn't need its own room when you have a kid.

We did. No. No, we got rid of the bunny, is what I'm saying. Oh, well, there you go. Well, yeah, we've home. The kid was just go to a park. Well, the thing was we're like, all right, we need the, well, at that time it was like, wanted to make sure.

Usually apartment complexes, by the way, have common areas with like, yeah, they're, fucking bad. They're horrible. Well, you're right. Well, your place didn't sound great. I wanted you to move to a better apartment complex. There was no playgrounds in the apartment. I said a better apartment complex instead of buying a house.

But you didn't need to get grass. The flooding thing, I agree. Yes, we deal with that. The grass was not 100% necessary out of the gate. It just wasn't. Okay, it was an aesthetic thing. We wanted to have fucking grass in the back. But you couldn't afford your bills.

Fuck you. She was out of work. Fuck you. So, what are we doing? She had gone back to work. But so. I don't know why we were struggling because you put this over maxed.

On the side, so like on the side, it would kind of flood a bit. Yeah, I'm okay with that one. Right. So they were like, hey, man, sorry, we kind of sloped it the way it could, whatever. They couldn't help us basically in the warranty. Then you had a bad realtor. Yeah, it was pretty, yeah. Yeah, we didn't have a good realtor.

Point is I was like, all right, I'm going to make, I'm like a DIY a French drain. So then I went to go buy all the shit that I need her. Yeah. So that's why we're like. That's what that is, dude. The French drain all the materials, the rocks, the pipe, the... What? On the Home Depot card.

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like, it will not go over the limit. It will not. If you make minimum fee payments on time, even if you're at the limit, it will not go over. The problem with that was, And I'll be honest. So, like, I'd make a payment, but then I'd go and spend more than the payment.

Oh, there it is, you dick. Why would you do that when you have a wife and child? Because I wasn't paying attention to what the limit was. But, like, the way I saw it was. No, obviously, you kind of work, because you waited for room to spend on there, and then you went spending. It was on auto pay. So that's a lie. It was on auto pay.

But you waited for the payment to hit, and then you knew you could just spend. So you knew it was max out, or else you would be spending before the payment hit. So you knew it was there. Don't bullshit. The bullshit me. We needed certain things. Listen, I'm okay with the flooding thing and you had a bad realtor, bad contracts. But even still, obviously, once you had the ability to spend on the cart, you did,

and that is why it's been pushed over. Yeah. You have a wife and child at home. I don't care about your Home Depot addiction. But my thing was, there was, dude, we got, we had the, what do they call that? The four pillars of whatever, food, shelter, all that taking care of. I was like, all right, look, we're going to do this to add a little bit of comfort to our house. So in my mind, it was kind of necessary because I wanted, you know, my daughter to be able to go outside and play in the grass and, you know, have stuff for her, right?

And we can budget that in. We don't have to do everything at once and over max out a credit card. I'm not against it. The method was bad. Yes, that's what I'm saying. We're not hearing that. That's literally what I am arguing about. I mean, you're over the limit, dude.

We still have no grass, though. You have different interests coming up and not long. It's all the crap grass. Listen, the limit is 2,200, but you have a bounce of $2,733,058 with the minimum monthly payment of $81. I mean, fees being hit. So I think the other thing with that was... Here it is, Dick. Here it is.

Here it is, you... Dude, this is what it is. This is actually what is going on. There you go. What can you see it? Seven of the nine months at the time of this statement, all the payments bounced because you didn't have enough money

in your checking account and you got fees on it and that is why it's been pushed over. Is that what happened? You don't know what happened? Why don't you? You took over the finances, you said. Yeah.

Recently? I'm not going to look at it. Recently, you're not looking at a statement? How do you take over the finances? Well, I'm taking over the payment. You know this. This is insane. It was supposed.

Okay, in my mind, it was insane. No, this is a car. It was and you didn't have enough money so it bounced and you've accumulated $200. $19. A fees. I didn't know that.

How? It's in the statement. You guys said you're looking at your shit now. I'm doing so much better recently. How? What are you talking about? That was before. No, this is no.

This is this year. You would know this walking into this room. I didn't look at the statements. How are you doing this without looking at your documents? You're not doing this correct? You're logging. All I would do is log into the fucking app. Look at it and say, okay, it's enrolled in auto pay.

Let me make a pay. payment now, boom, and then it goes through. But if you don't have enough money in your checking account, auto pay, does that work? That's the thing. It did. So, like, it did have money, but by the time, I guess the fucking, I guess the fucking, I guess by the time that the payment, like, drafted,

other fucking payments have gone through. Two times it's worked. Two times it's worked. It's worked 20% of the time. It has failed 80. Well, all right, so, in, because whenever I'd fucking, what are we fucking around within the checking account? Oh, there's both spending.

There is bullshund. Yeah, it was approximately about 20% of your spending was the bullshit. Whenever you don't have enough money in your checking account to make your minimum with your payments. What the fuck is wrong with you guys? Come on, you took over the finances. Why is that possibly,

possibly something that's happening? Okay, look, I did not look into the statements. I only asked him, hey, what payments do you have coming up? So you haven't taken over the finances? You just wanted to know what payments are happening.

It's made a schedule. What's the way of taking over some? If not knowing what is going on as a whole. Well, I don't know what goes on with his own cards. I only know what it was on. But you guys, you've combined all this.

Isn't that if we're paying for his own cards from our joint checking account, which I'm assuming. What don't we want to know? You're trusting the guy that lied about finances for years. No, no, no, I'm trusting his words on, okay, this is the monthly payments. He hasn't obliterated that trust? That's it. How is he not obliterated this financial trust? I mean, he has now more for sure.

But, well, he didn't even know this. Like, I don't even know how. A thousand dollars of interest this year, hundreds of dollars of fees in one card. One card! Okay. By hundreds of dollars. Deferred injure's going to hit in just the coming months. Well, all right, look.

So whenever we'd make the payment, I'm sure this kind of lines up with other payments. So whenever I'd auto pay, it would take a couple days to draft. By the time that payment drafts, I guess the money wouldn't be there because another payment hit. Dude, 80 bucks? Dude, no. You're telling me, 81. No. Why?

Put it around. What? So I'd auto pay. for at least like a hundred or one. That doesn't make sense. Why not just minimum? To try to pay a little bit more. But you're paying literally two

times this year. I know. It was a bad plan. But we can improve it now. Now that we know, I didn't know. I honestly didn't know. Maybe that was part of the problem. I would say that's a big part

is you guys don't know anything. Especially now that you've taken over, you don't know. You haven't taken over. Look, I at least thought us a little bit up this time. A little bit caught up. A little bit caught up. What are you talking about?

We literally just had a late payment. No, we literally just had a late payment this statement. Like, I don't want to hear it. This is the most recent statement. Okay, well, this is his statement. I'm not going to deal with that. Why? Well, you guys are together.

Yeah, we're together, but at the beginning, it was just you. And now we're trying to be together. You don't know that. You don't know that. You probably had a draft attempted. You don't know if it went through. You do not because you didn't even know it's missed 80% of this year.

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It's at a 30% interest rate of death, insanity. Why? I know. It's pretty bad. Like, just, so when I first got it, the original plan was we're going to get the appliances and that was zero percent. The guy with plans.

Always having plans. Nothing's ever worked. Go on. What was your plan? Grand plan. I never said it was a good plan. I just said it was a plan. You never had a good plan in your life.

All right. So it was zero interest for, for, you know, the one year, whatever the promotion is. So that's what we did. We got the appliances. And I was like, all right, we're good. We're not. going to buy anything else on it. But then kept coming up.

So. You kept coming up, you spent 20% on bullshit? Yeah, pretty much. Kept coming up. What are you talking about? Shit kept coming up. Like, we needed to do the French drain. We had to do grass.

We had to do grass. We had a whole house would have burned down without the grass in the back. We had pests. Dude, we like, we tried to DIY like the pest control and all kinds of shit. Oh, dude, I just knock it out of the gate. We didn't have to pay for pest control. We had to pay like 3K for a, what? What do they call that?

Exclusion for like rats and like to prevent anything from getting inside. It's not good. Obviously I would encourage that, but I would also encourage making your payments on time. And having enough money in your checking account. We had enough money at the time. No. By the time the payment hit, there wasn't enough money. That is at the time.

That is the time. You need to have the money. What are you talking about? You're making no sense. Yeah. You are making no sense. Okay. When the, when I clicked authorized pay, there was money.

the account. I guess by the time it drafted, there was... This is my conversation every time with him. He's trying to justify what he did. Yeah, he is. You really are. Why are you an endless justify her? I'm not. I'm trying to explain. You're not. Now you're going to try to justify how you're not justifying. What are you talking about? This is... How can she have a conversation with you? How can you guys have conversations at all? You see, this is the supposedly conversation we have. Tell you what, that's my therapist.

Uh-huh. Okay. Well, how have those been going? Yeah, crazy. We like couples therapy. Crazy. I don't know if I like crazy. How's it crazy? Yeah, because we let everything out and we both start going at it and crying.

A couple's therapists is supposed to. Yeah, I mean, she does listen. Mediate. No, not just listen, step in and make sure the conversation is healthy. She does. She does. What I mean crazy is between me and him. Like, we both are going at it and then, yeah.

What are you guys not holding back on these days? What's going on right now? I would say it's Last Friday What happened? What was the big We got canceled on Because she broke her finger

The Friday before that Before that Yeah Come on What was the last big blowup? Last big blow up was over What Chipley donuts

Yeah Yeah So basically we have this thing at work Where if you get to work late You have to buy breakfast For the team I had gone late A couple times already

And so I was like all right fuck I know we don't got it let me just buy some donuts real quick about like 20 bucks worth 26. 26 worth of breakfast and took it for the team and it was a bad call but I was like all right look but his excuse is I'm gonna get a check on Friday for my other job I am I worked a lot of hours and I'm like that money's gonna go to pay it care so we might it's hard but that was the big check it's hard obviously I don't want you to spend it in the excuse you is horrible about getting paid but I also I also have a hard time, like, if that is their kind of culture that's been agreed upon at work. I mean, I'm not horribly opposed to him doing that in a one-time way.

However, what I'm opposed to... What I'm opposed to is if you know that is the thing and you're in the worst position out of almost anyone there, don't be late, dick. Dude, dude. I work. I wake you up, dude. Like, I kick you. So I'm going to work at life.

Yeah, but you were the one who was late. That means all the people that work crazy hours got there before you. No. Actually, they get there after me. me. I was supposed to be the first one. So I get there. Oh, you're the safety guy. Get there. You're the manager. Come on. Yeah. But it's, dude, when you're working every day, like two,

because I go in at 3 a.m. And I have to leave my house at 1.30. That's annoying, but if that's what you agreed upon, then do it. Yeah, I know. But, dude, it gets hard. After a while, it wears on you. It does, but you have to do it. I mean, I get here late. I mean, I guess they don't really have a good time I have to get here. But it's not that it's fine.

I don't try to get a habit. One, I could afford buying breakfast for everyone, too. Also, it doesn't matter because I don't really have anything to do before filming. So... No, we got to love it to do. Exactly. So you gotta go. But that's what I'm saying. Dude, it gets fucking hard.

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Oh, so here. Okay, so I understand why you wanted to step in, but you're stepping in has failed. Okay, everything is supposed to be on auto pay. So in my mind, as long as there's money coming in. I don't think you understand that if you do not have enough money, you're checking account, auto pay doesn't matter. There is enough money every week. week, but then it gets taken over by other bills that they hit beforehand. This is a bill.

But this is why I told you, check on what you have on autopay and which ones do you not have an auto pay. And like, either take them off. We're the Hartford, with decades of experience ensuring millions of 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 thehartford.com slash small business.

And try to make the payments, how we have them to make them scheduled. what we have on the week. I think it's more of a timing issue. Oh, my God. What is the management philosophy here around our payments? Because we have two accounts in a row there, completely in terms of making payments. What is the philosophy we're using?

The strategy we're using. The communication we're doing. Because you said there's a magical little board and you're following the board and everything's good, except it's not once we got into the numbers. The board is recent. So before it was just like, all right, every week we get paid.

This is literally just now. Like, this is now. So basically, when we get paid, we pay everything that to do that week. That's kind of the- You're budgeting weekly. Yes. Guys, that's not an accurate budgeting process. I mean, it's temporary, and that's why we apply.

No, it's not temporary. It's going to be forever because you're budgeting incorrectly. We switched to budgeting monthly now. That's good. So that's what she does. She learns. Start? I do the whole month.

She'll do the whole month. And so we plan out, okay, next week we got to pay this. We got to pay that. And then we have this left door. It's going to roll over to the next week. For the past couple months, it's been a cluster. Alta's overdue. Alta's overdue.

Wouldn't be surprised if Costco and Amazon, the other Amazon ended up being overdue. So on a firm, which by the way, this is one of the crazier firm balances we've ever had because usually it doesn't let you get up this high. $3,022.35. That's crazy. Yeah. On a firm? Well, what are we doing?

I had a lot of good purchases with those guys. It was recently that, you know, everything kind of went. But for the most part, we've been. pretty good about staying on top of it. And we use it for like that's actually necessary. Like it's not like we're buying a bunch of bullshit. What are you talking about? Alta?

That was her hair stuff. No shit. That's not necessary. It wasn't necessary, but I wanted to do something nice. I would too. I like that you did. Except you did it in your fucking because you couldn't afford it. So obviously you shouldn't have done it.

Then you got a secret skeletons telescope after watching it in a cellar. It was a good movie. So I was a good movie. I like it. Okay. I don't know what the problem. All right, the problem with that was I was, we were super inspired after watching it. We inspired.

We're saying we. I was like. You, you. You made you emotional. You watched it. But it was a, we were inspired. We watched it together. You're quite a few years behind on that one.

I'll be honest. I know, I know, but it still holds up, you know? Yeah, sound check's great. I get it. You get excited. All right. So you buy a telescope? It's because the problem is, I have a bad habit of getting into the,

to different hobbies. You know, they're like, oh, you're going to be a telescope is your hobby. No, well, I thought it could be, right? I was like, man, I'm going to get into fucking, that doesn't get you to a black hole. That's what I. I just remember it arriving and me opening the box and seeing a telescope. And I was like, what the fuck is this?

What you do? I called them and I was like, what is this? We're going to watch. I got a telescope. And I was like, we don't need it. Why would you get this? We owe stuff. You know we have payments to do.

Why the hell are you going to get an Amazon? I mean, a telescope. And then he was like, oh, I mean, I got it with a firm. I got it with another firm. I already knew this man. It was a real thing. And how many times have you used this telescope? I used it.

Well, we already got rid of it. How? We got garage sale. How much did you get for it? So we bought it. So there's the thing. So telescopes, after we watched the movie, I was like, like, as I'm sitting next to I'm on a firm, And I'm like, not enough.

I'm on Amazon. And I'm like, all right. I was like, maybe we should get like a telescope. Because not only that, I was like, I didn't tell me. I didn't tell her in my mind. I was saying, hey, what if I get a fucking telescope so we can actually like go outside? Because, you know, where we live, it's a little on the outskirts. You don't have the light pollution.

You can actually see stars and. I was like, it'd be nice to get into it. So later, whenever our daughter is old enough, I can show her like, hey, look, that's fucking, you know, whatever. And so, dude, dude. The moon. Well, aside from the moon. right um i was like it'd be a cool little hobby little science hobby to get into uh let's try it right so i was like i want to see saturn at least right because that's what the whole uh

promotion was for that uh that telescope so whenever i uh apparently there's like a range right so there's like the cheap bullshit ones that are like 50 bucks and then there's like the really high-end ones i was like let me go with one that's like a little lower to mid tier so the one that i got was worth like 200 And I used it maybe once. It sat in our garage. It started fucking with my eyes because I wear glasses. But how much did you sell it for?

A hundred bucks. So really, the only thing I saw was how quickly 200 could turn into 100. Now, as far as I was like, now she made you sell it. You didn't even choose to sell it. She made you sell it. Well, it was sitting there for a while. So I was like, all right. But, I mean, on the bright side, it was one of my least expensive hobbies.

Because before I'd gotten into other shit, like, I got into the, like, I got into look g-in so we have a bunch of no reason. F-A-S-A-F-W-T. Safety, baby. So with that, I got a... You've affirmed?

Like a license? No, dude. I think your minimum is the payment somewhere like 200 bucks a month on a firm currently. Probably. It's a little bit more than that. Pull up your Amazon.

Someone pull up their Amazon. He has. And start a screen recording. So with the, well, yeah, Amazon's a little... Ha-ha. Uh-huh. That.

Take a little peek. Get that. Don't expose everything in there, please. Okay. Oh, you got your, you're the safety guy, and you got your safety test on a firm, and then you failed this, so you have to do it again. Look, it was a hard test.

Not everybody can't pass it. It's the top of the top. Once I get that, it opens up a lot of doors. Yes. Hey, bro, you'd be surprised, man. Okay, we got on a warm clock because phones definitely don't do that. Exactly. It has to be for heavy.

What? The 2021 Backbook Pro? Okay, that was for my mom. What? I didn't pay for that. Phantom Academy bulls, rubber boots. Their work boots. Runny shoes!

I didn't need runny shoes. Natslip helmet, bullshit. You needed it for work. It's all work shit. The alarm clock just got here this week. Why? Why? I'm a heavy sleeper.

The phone alarms don't work. Home people car wasn't enough. Put it across the room, you dick. It don't work. It wakes them up. It won't wake me. It wakes me and my baby up. Slap them.

I do. I want to kick him. I literally kick him with my feet. I basically die at night. In the morning, I'll try to wake up. That's essentially what happens. This is a firm just keeps going to say. It's insanity.

You're going to be paying things forever. Roman Valley Ranch, La Raza, Western Ware, Walmart, BCSP. Those are paid. BCSP was my test. Yeah, those ones were previous. But this is crazy. Yeah, the test you failed. Yeah.

Okay. By one question. Diamond store? Yeah. What is this diamond store? So my daughter needed earrings. Needed. Well, she had earrings.

I mean, she needed them. They had to be real gold. They needed, she needed them for the holes to not close. The little holes are in ears. She needed it to be real gold because otherwise she'll have an allergic reaction. Like, you'll create like a bump in a bad. Nothing else exists except for gold out there. Nothing.

And gold's expensive right now. Well, yeah. I mean, it wasn't so... Yeah. And we ended up getting a necklace, right? Or a bracelet or something. Yeah. I forgot.

A necklace. Why? Because I've never had one like that. You couldn't afford anything. You're also not even wearing it. I mean, we did have a credit card at that time. He said, oh, we're going to pay it off. Minimumant to pay it off.

Yeah, but I mean, it's... Minimumptu payment only... And it's literally only $651.62 cents. And minimumsie payment takes nine years to pay off. Minimsy payment $30. Yeah, but you... What's what we do? Before, we'll pay more when we can.

We'll pay more than we can. Ken never comes, though. Yeah. When never comes. 14 years for the Home Depot card. 14! Your child will be 16 years old. Passing that Kinsenera.

Mm-hmm. Well, okay. But my idea was... That was racist. The plan was... Oh, tell me you're not doing a Kinsenera. No. What?

No, I'm just kidding. I can't go outside in Austin without scene five being done. Really? Yes. Go to any park and everyone's in dresses. I mean, I'll let her choose. Sitting a Kinsella or maybe going somewhere and that's it. She'll be older than her in a number.

Yeah. Promotional plans ending soon. Yeah. So look, the idea was we're going to get it and we're going to pay it off. Paying more than the monthly minimum. What? We're going to pay it off? Who just?

had $500 and deferred interest hit. That means this has gone up to about oh, a thousand. I did. I think the time... $1,151. Minimed now is probably like 60. What have we done? You didn't even know this, did you?

I didn't even know it. This ended two days ago. You, this ended two days ago. Two days ago from filming. Two days ago from filming. Yeah, you made a minimum. From filming. The deferred interest all hit, though.

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Your music deserves Bose. Find your perfect product at Bose.com. Why does she need her ear pierced? Because it's cute. Well, we got it when she was... That's not a need. You know what a need is. You have a child. You need to learn the difference between a need or a want.

You are not the child. You have one to take care of. She got her piercing when she was like, what? Like six months? Six months. Something like that, right? Nine months? Nine months?

All right. Yeah, she got her ears pierced out of like nine months. And so they were... But okay, great. She got her ears pierced in nine months. And it's super exciting. I don't care. She can get her ears pierced.

pierced again, right? I mean, what are we doing here? This is absolutely crazy. I'd rather pay so that she doesn't go through that pain again. That was the kind of like a thought process behind that. I was like, all right, look. Now you just had $500 to deferred interest hit two days ago. Well, I didn't know about that.

Well, now you do. And you're, this is insane. And now interest is accruing across the board on this as well. So the plan is to Oh, here. Here he comes to the plan. Let's hear the plan. Please, plan guy. Tell me. Tell me planner. All right. We're going to pay a little bit more.

Oh, with what fucking money? Buddy, you never have enough money in your checking account to make your minimum fee payments in the first two accounts we looked at. How does this plan work? Can you please define this plan for me and the strategy behind it? Well, with the second job that I'm now making more money and now we're able to... More money comes with more spending. You just spent...

No. Hey, I'm going to let you know you guys were already making a killing compared to everyone else before. Okay, so... That wasn't the issue. It comes not your issue at this point. It's really not. But we also changed eating out as much. We also changed a couple habits.

Yeah, we'll see because not in your statement, so I don't believe that. Listen, I'll let you use the FIS card, a debit card that builds credit, because at least it only lets you spend what's in your chicken account. And you obviously cannot manage anything beyond that. It's clear as day. It's clear as day. I would say that I have a false sense of confidence that it's going to fucking be paid. And if you know it's a false sense, stop.

I also get whoever wants a course career certification and whatever field you're in. So you can also look to get it. even bigger increase raise whenever those come. So I'll get you one of those. This is moronic. This is so stupid. So stupid. You made progress going down from $1,441 down to that $600.

And now it's up to $1,151 to $0.60 because you allowed the deferred interest to hit two days ago. What a joke. All while spending enough on bullshit to have paid that off in a month. Well, the way I see it was Oh, how do you see it? We did, I didn't get, like I wasn't aware of that. You can look at a statement, Dick.

Yeah, but I wasn't aware of that. And I don't look at statements as much. Well, as much, did you ever? Who really opens the fucking statements? Unless you get a melt-to-you are the one trying to fix your financial situation, the answer would be you. Well, yeah, but I didn't look at them before. So, because I had, in my mind,

before, literally you said you're getting so much better. Before it could have been a few weeks ago, and you would have known this exact thing. I'll be the first one to tell you I don't look at the statements. Dude, if I just sat down, we didn't even have a conversation, and I went through these statements to get all the top pieces of information, I could do it in 10 minutes. Let's say because I've done that a little more commonly,

a little more frequently, I can do it quick. You could have done it in 30. All of these statements is not difficult. To at least see, is it a referred interest or their late payments? What's the balance in here? Are we above the limit? Are we making our minimumity payments on time? All this shit is so easy, so easy.

This would have taken you such a limited time. But you don't know what you don't know. So it's super easy, you're kidding. Oh, I didn't know. How do I know what to learn if I don't know to learn it? The statements. It's as easy as dead. I don't look at it.

No, exactly. But that's when you would have learned. You know they exist. I wouldn't have learned it if I didn't look at it. I don't understand your logic. Can you translate for him? I can barely understand them. And this is our arguments all the time.

Because then I have questions. How frequently? Almost every other day. Really? Yeah. Every other day. other day. No, no.

We still have it every day. And, are they productive? Yes. It depends. On. If we have the money or if he wants to listen and... If he wants to listen? Yeah.

Because then he continues with like, but this, but that, but this and this and that. And I'm like, okay, I don't want to hear it. I don't want to hear it. Okay, shut up. Bye. Okay, look, in my defense. Oh, here we go. Okay, in my defense, we have a greater capacity to start paying shit off now.

So it's not that I'm saying, okay, let's continue our bad habits. We realize, okay, we f***ed it up. But at least, you know, we're... You just hit your furniture's head. You can't make a progress towards a situation that you don't even know the situation. No, but you can't make progress towards the situation if you don't even know the situation. You can't. That doesn't make any sense.

sense. How can you tell me you're going to make progress if you don't even know what's happening? That's why we're here. We don't fucking know what's happening. But you said that was your plan. Well, you did say that, though. You did say that, though. And speaking of plans, late fee immediately this month on to discover it,

what's up with the discovery card? Honestly, I'd have to say the same thing, dude, because I thought I made a payment on that. That was, it's on the other pay. You probably did. and didn't have enough money. Probably. But in my mind, like, I set the auto pay on, or I'll pay it.

I'll go into the app. Pay it. You're above the limit. You're above. You have a child. Slightly. How much am I above the limit? $16.13.

It's horrible. You weren't above it last month. You've gone above it. Yeah, but I didn't. $35 minimum fee payment, $516. And $13 balance. Yeah, credit scores in the 500s. That's insane.

19 months to pay off if you make your minimumity payments, which you don't. Late fee. Yep, there it is. It's a late fee. It's a return check fee specifically. It's the only one this year on this card, surprisingly enough. And what is it for? Well, gas, that's okay.

But you did a grab a bite grill, grab a bite grill, McDonald's and grab a bike grill. And I wouldn't put gas on a card that you can't pay off or even make a minimum fee payment on anyway. I would put it on a debit card. Yeah. honestly, I don't even know what the grabbing

gravel bike girl is. I do not know. You did it three times. It's $2.60 cents, $2.10. $0.50. Those are different days? Yeah. Oh, no.

Oh. I think it was whenever I'd pick up our daughter, I'd buy her like an apple juice on the way to pick her up. I stopped by the gas station and buy her apple juice. Aren't you guys this pre-stock per serving on a better basis apple juice at home? I know.

So we do. But then I forget. get to take it because I'm rushing out at two in the morning, you know? So like, I don't, okay, I would say. You didn't just get apple juice, though. You got yourself something and then you got yourself something more. Yeah. Well, sometimes.

What you get? Didn't always. What do you get? What do I get? Like drinks or what? Yeah. You stop at the gas station. You can get shit.

I'll get like a fucking Dr. Pepper or whatever. That makes no sense. I don't understand that. You're drinking an energy drink right now. Take this free sample here. Taking up a free samples of this. This is gamers, some specifically. These are energy drink powders.

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I like coffee. I do too, so I make good coffee. I do too, so I make good coffee. The coffee feeders. All you do, good, make coffee at home. Make your energy drink at home. It's better, it tastes good, and it's cheaper, and it's affordable. Yes.

No. Then you make coffee. No. No, I try. I even look at TikTok videos, YouTube videos. It tastes water down. Because you can't do coffee. Nothing.

Coffee is not difficult. No. No, no, she makes like that fucking... I like latte. I make a latte every morning. Okay, then make me one and see if it tastes good. Okay. Okay.

Who's one of our latte makers here in the office? Who's always making a latte? Make me a latte. Can dogs make her a latte? She likes those like really boogey lattes with a little powder. Well, I don't think we don't have ice in the office, so you're going to have a hot one and you're going to determine if it's good, okay? This is with a brevel.

It's an investment up front, yes, but it saves you so much more than time. So we'll get Josh, he's also Mexican, so you guys feel right at home. It's a Mexican coffee automatic. Yes. Dude, she, so we bought her. Every employee I have is Mexican these days. I don't know what's happening. Yeah, taking over.

Dude, we bought her an espresso machine so she can make it at an espresso. Espresso. What? That's everything. You just have to get. And you got to dial it. I have tried. Oh, it's better.

Oh, you were just a con. Look, I wanted Lily's coffee. Lily's coffee is so good. That thing tastes so creamy and sweet. Oh my God. I recommend it in Willis, Texas. What do you like flavor-wise? Either hazelnut or vanilla.

Pick one because that's what we have here. Vanilla. Okay, can we do vanilla, Lindsay? You see, you fail. Well, you get what you need at home, you tit. I don't know, she's picking it with her coffee. She doesn't like... And if you drinks at home, coffee at home.

I don't want to fucking hear it. Copy out. Camera subsubes that, Chi-Gee. He-he. I can't afford to take care of my kid. It does add up the coffee. It does. Yes, objectively.

Coffee out is not cheap. That was the whole point of getting the espresso machine so she could make it at home. But she continues to go to that coffee shop. Because, okay, they make good coffee. I get it. But it's cheaper to just do it at home. We have all the ingredients. She even has all the syrups.

Me and my girlfriend, one of our favorite things to do is to go either get brunch or coffee every Saturday and Sunday. I can afford it. It's in my budget. I get it. It's fun. It's nice to be in a new environment, trying to new little drinks. I get it. It's nice. You can't afford it. You can barely keep the roof over your head. You guys are late on almost every payment and you're over maxed out. No, no, you guys are together or not.

Choose. I'd say together. We were not in the beginning. But are you today? We have caramel. Is that okay? You like caramel? Yes. Mexicans love caramel. You guys put caramel on everything. Trace Lace Lachis. It's just like, come on. You're always putting caramel even though it's so sweet milk. And I love it. I mean, don't get me wrong. It's actually like my favorite dessert. Trace Lachis, fuck me up. I love it. And it makes me. It's great. I know. Quicks over one. What's going on with this? Which one? Mine?

Okay. Yes, they're all yours. Okay, those are mine. Great. So, those are like my everyday bullshit cards and... Why are you allowed to have everyday bullshit? I know. That's the bad part.

So it was for food, gas, just like that. Okay, well, first of all, gas isn't bullshit, but I wouldn't be putting it on a credit card that you can't pay off, that is accruing interest. And you spend 80 bucks, 12 cents. Interest is accruing. It's over the limit. It's over the limit.

You're three. He's three over the limit so far. Three! By $4. It's over the limit. But I made the payment to get it under the limit. No, no. You did at the start of the month, and then you went over by the end again after interest hit.

18 months to pay this off. Walk in the line. No, it's stupid. You're getting peacock. So we canceled that. Well, you should because what's the point of peacock? That's what I said? I know.

He doesn't even watch it. I watched the office. No, you don't. I did, like three times. And then I canceled it. There you go. But it was... You went to the gas station, you got an energy drink.

It was a drink. There it is. Right there. 237. 25 cents at home, ladies and gentlemen. Link in the description. This is insane. L. Tricon Rho text.

Trichon row. Trichon row? I think that's a restaurant. Oh, yeah, it's a restaurant. El M. El three. Prime video, now that's better. But even still, you probably can't afford it.

YouTube's free anyway. Then you went into HB and got some bullshit because I highly doubt that it's groceries. I'll be completely honest. No, HV is like our go-to groceries. Whoa! Peacock is trash as a former NBC employee. I can say it.

You can legally say that? I don't work there. It's trash. You didn't sign a contract? Well, that was a quicksover. You have two's quicksovers? No, no, no. It's a quick silver and then a platinum, but they're both basically the same.

17. Not over the limit. You're at the limit. 281. 98. Minimity payment, $25 again. What's going on with this card? It's the same thing, dude.

It's honestly, I go back and forth. What's the point? Whenever there's not enough money in the debit account, because we got bills, whatever, that's like the backup. And then there's a backup to the backup. Well, that's what I told them when he started opening days. I'm like, why are you opening more? Originally it was, hey, we need to get some credit cards to build credit and build that credit history.

And then we did good for a while and then it went whenever we really got into it. It's a fucking Waterburger, parking, Fiesta bar, and catering. Something, maybe it's a vending machine or purchasing something to work. I don't know. Yeah, it's like a vending. And then Home Depot, not even on the Home Depot card. You just couldn't stay away. Guilty pleasure.

It's like it's the golden arches to you. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking.

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Click below to get started. Dude, they got a lot of fucking good deals. But the thing is, every time I go... I don't need. Every time I go, it's for something we need. Like an air filter, we need to replace this and that. We need salt for the water softener system. Like, shit like that.

You don't need the soft water, though. We do, bro. That bad? It's bad. I'll accept that one. Listen. But even still, you're just endlessly finding excuses to spend money in Home Depot. And I love Home Depot.

Better than Flibeau. Of course. And I love Home Depot. It's great. But again, I just budget it out. And I don't go there when I don't need to. But every time I do, I'm like, ooh, yay. This is you guys.

This is your future. Yeah. What do you think? How's your feeling? Lied to and just feel like we're in a big hole right now that it's going to take us years to get out of, which I never wanted to end up in. So that's why I kept asking you, hey, make sure we make our payments. What are we all?

And it was part of the communication. This is the reason why we're also in therapy is because of this. Everything just went. Would you guys just blow up on each other in therapy? Yeah. Well, she blows up on me. And then I'll like try to defend myself. That's kind of how that usually goes.

With the defending himself with the payments. Why do you ball up on him? And why do you defend you? I just feel. Well, because it's a lot of like rage and anger towards him not telling me anything. Communication and also just. It wasn't that I was intentionally hiding anything from you. It was that I didn't want her to have that additional stress.

I'd rather carry the burden myself trying to figure it the fuck out. I tried to figure it the fuck out and do what I could to keep things going. And essentially keep like, you know what they say, like keep her like kind of. blindly happy, right? So it was bad. Well, look how it turned out. I know now. So why tried to defend?

I wanted, she already had a lot of going on. Now. I know. Well, now we're working on it as a team. But you try to defend. I guess it's just, it's hard to accept that, you know, made some mistakes along the way.

But there is that good intention of trying to get shit back in line. Which is why we're taking that big step here. But you also had to, during that whole entire time, you should have thought about, okay, she's, her names are also on certain things with me. Yeah. I f*** up her credit. We're both.

And that's something that I always brought up to you. You is going to fuck me up too. So then we're both going down. It's a teamwork thing. So we both work to go up, not down. Yeah, I know. That's why. So like we, all the major things, like the car, the house,

that that we're both on, I tried to keep that, like, front and center. But we still. But we still kind of, because those are the biggest payments, right? Well, tell me, what's this main financial? Because it's chunky. The main financial. One main financial.

That was, we took out that loan because at that time, she was between jobs. No. It's just a survival loan? It was a survival loan. It was a survival loan. Yeah. So it was a survival loan because she didn't have a job. It doesn't, dude, you were making literally just above the median household.

But we were already in a fucking hole. So in order to survive and continue, keep everything from getting repossessed. We had to get a survival loan. I said, okay, we're going to get this loan until you get a job. And then you can help me pay it. That was the idea. She got a good job, but it didn't work out. She lasted like two weeks and then quit, you know?

Yeah, because they wanted me from 6 a.m. to 6 p.m. And my daughter's daycare is about, they open at 6.30 a.m. Do a different daycare? I was already comfortable with that daycare. Yeah, in the Houston Woodland Sugar Land Metropolitan Area, median household income is 80,000. You're just five under that with one income, temporarily. So you borrow this at a 27.74% interest rate.

You owe $8,916.74 cents with a minimum to be a 289. 67. Then you think that helps you? It did at the time. It helped us cover like two months worth of bills. But I would rather just let some. So she got a job. Some credit card payments not get paid.

You're already doing that anyway. I know. But at the time we were in good standing. And so we're like, all right, let's try to keep it in good standing until you can make more money to kind of help out. Because like, truth be told. So we borrow a 30% loan, though? I know. Bad call.

But it was for the sake of trying to survive the next few months until she got a job and then she could help me pay. Right. So the idea was we're going to take a step back to take two steps. forward, right? So that was kind of the thought process behind that and we justified it as, you know, we need this in order to keep everything in check.

Okay. And then PCI. What's this? So PCI is the water softener system. We got f***ed on that one. It's because we do need it. Because it's expensive, but it was okay. But how'd you get it? It's expensive. That's it. It was, yeah.

So basically I haven't gone shopping for a water softener. Apparently there's cheaper ones. Yeah, and that's what I was going to ask. So what the fuck is wrong with you? This takes 11 years to pay off. 11 years to pay off your water softener with minimum payments. $125.41 is your minimum monthly.

But you owe $8,399 or $8,9333.77. With interest charging, $90.40 a month. It was a combination of the water softener system, the water filtration system for like the, what do they call it, a little tap for like water. Are you guys on well? It's not well, but it's like the city water and the city water is, dude. Like, it was causing her hair to fall out. It was causing.

My daughter's hair to fall off. And literally when you came out the shower, you smell like coming out of the pool. It was like itchy and shit. And then sometimes the water for the neighborhood will come out brown. Yeah, it's fucking gross. And people will be complaining and we'll be like, oh, we have a water system. So we're okay. We have a water filter system.

And then, uh, I'm not opposed to it. You just probably rushed in, didn't do your research and got. got some debt you couldn't afford. I mean, we did get some free soap. The lady was very convincing. Well, here we go. Can you make a coffee at home? Wait, whoa, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, that's like Italian,

What are you doing? Please. It's so good. So good. Thank you. Thank you. Hey. Please, give us a full review.

She said she can't make coffee at home with her own espresso machine. Her own espresso machine, she can't make coffee at home. She does. She does. Yeah, but it's like the two phones from Walmart. And she has to go to the coffee shop. It's like $50 from Walmart. It's still work.

No. Take a little sippy. But it's all the foam up there. Sipping! Hey. You like it? I like sweetness. No.

Give, give, give, give. What? I'm gonna have the other side. Yeah, we'll take a sip on that. I'm gonna have the other side. Give, give, give, give, give, give, give. Where do you go to get your coffee? Lily's. Lily's coffee.

Lily's coffee. Well, first of all, you got to get to the coffee. That's what I was trying to get to, but it's not sweet enough, though. This is, I don't think latte is supposed to be sweet, right? Well, she's getting, like, candy coffee. Yeah, she's getting, like candy. This is nice. This is good.

The fucking cocoa powder on top of it. Dude, that's wonderful. Why are you giving it bad? Salivas all right now. Dude, get in there. Enjoy what you got. This is wonderful. What if I was sick?

And I was coming up with something. This is a really good coffee. Really good. Shout out Medici beans. Yes, Medici. See, what we do is we get the beans from the coffee shop we like. And we make the coffee. It's as easy as that.

It's cheaper. But if you like it, sweet it now, mind you, I did a little bit of syrup. You can always add more. You can always add more. You can get other creamers. Come on. You just need to go and try it. That's all I'm going to say.

It's because the thing is she's not going to Houston. You got to talk to her, Keeler. All right. Thank you, Josh. Thank you. You know I used to dance for a clodico? What'd you call me? Say it to my face.

Fuck my what? Come on, you can make coffee at home. Just add more sweetness. Get their syrup. Figure out what syrup they have and get it. It's from like India or something. It's like some place. Like foreign.

She knows what she imports it. India loves to send things. Oh, yeah. Okay. We'll do my best. Especially engineers. We'll do my best. But just get them.

Just get some. Come on. Okay. We'll try my best. Okay. No promises. Making progress. Okay.

Well, you've had a late fee on this. Yeah. Pretty much. But again, that one's on. $7.18.26 of interest this year. Yeah. Medical bills. The medical bills are crazy.

Didn't send any statements, but she told Colton Yo about $14,000. Yeah. Birth? Birth. also like since after we had our daughter and you know she quit her job my daughter got she got sick

and then she got sick and every time we go to the emergency room what's your insurance situation so my insurance situations I have you know full health insurance medical dental and everything she's not on it because we're not married you're not married

no get married we're sinners but just get married just get married that's what I told her What if I'm about to leave them? Are you? No. Get married.

There's extra legal protections that come with the tax benefits. A lot of stuff. There's no reason not to. Legally on the... Get legally married. Last year, we did report as married filing jointly. So I guess tax-wise were married, but we haven't gone to court, is what I'm saying. We haven't gone to get this marriage certificate.

And that's what they asked for for the insurance. I have my daughter on my insurance. But I don't have her on my insurance. Wait, but you got a refund from your deductible after giving birth what you spent it. Instead. To me it was a check and I was like, okay. Do you have a minimum monthly payment on this medical debt? Have you negotiated? No, we haven't started.

Just negotiate. Get on a minimum. Well, we're trying to catch up on everything else first and then we'll worry about that. Okay, Chase Auto, great. Oh! Yeah, that dude. You've not received your last schedule payment in fall! Amount two, three, oh. That's too much.

The minimum appears possibly clear. That's a- what is this? Wow, is this, this is, I think it's the second highest payment I've ever seen in the history of I think 2000 was the top. What are you doing? What do you have? Okay. Okay.

So it's a 2023 G-G Grand Cherokee. Okay. This is how... Cherokee for 1500 a month? Okay, listen. Why? It's a long story. Okay.

There is a story to this. All right. Listen to this. You're getting fees added at a 14.18% interest rate as well. Oh, principal balance, 64,000, 3758. $0.09. Why? He's got some vocals. Explain. I mean, sorry. That's okay. It's believed.

All right. So essentially what happened was when we first got together, I had a fucked up truck that was in the shop, right? I was borrowing a truck. And I had mine was, I had a silver auto and it was fully paid off, but it was a piece of shit, right? Okay, get to it. Why do you have to get a grand Cherokee? After that truck, after the silver auto, I was like, I need a need a new. new truck for work has to be a truck because I haul shit sometimes. So I got a

like a 2015 Dodge, Ram, whatever. It was like 20K. We love it. Okay. 20K. A couple months later, the engine f***ed up, transmission fucked up, everything fucked up. That truck went. When I called the interns, I'm like, hey man, because since it's a used vehicle they gave it to me as is, whatever,

from dealership. So they were like, hey, we're not covering anything. You don't have warranty on it. So car your insurance. I called my insurance. Asked me two questions. Did you hit something? No. Yeah, it's insurance. I don't know what the fucking... Did something hit you?

And I was like, no. They're like, all right, well, fuck you shit to look. Yeah, I agree. So, all right, I didn't know that. I thought they fucking covered anything. Insurance? Yeah, dude, if it has full coverage... If it has full coverage, you would expect it to be coverage for the fucking truck.

Okay, point is, after that truck, I took it to the dealership to figure out what the was wrong with it. It was the engine, transmission. Some other shit was wrong with it. And so they're like, yeah, man, like, they basically sold you a lemon. in like it sucks. I don't like, this is why I like having a car

that doesn't have an engine transmission or any of that shit. Continue. But anyways, after that, I was like, okay, so what are my options?

They're like, well, you can pay the repairs. It's like 15 grand. They're like, or, you know, you can trade it in.

And I was like, well, 20 on it. I was like, I'm basically super upside down on it at this point because the truck is worth like a thousand bucks

for junk. So they were like, you can get traded in. You rolled over negative equity. I rolled over negative equity. What's the truck work worth? Oh, I have it. What do you think it's worth?

The Jeep and Cherokee. It's worth like $28,000. It's worth $27,000. You owe $0.60,000. $0.67. $0.50. 15% of interest rate. $1,000.

And you're behind. Yeah. What the fuck can we do? And then what's this? Is this another car? 2024 or something? No, no, that's the RV. That's the RV.

So tell me about this R-FV. So the RV was an agreement that I made with my mom. because she was helping us out so then she's all like, hey, by the way, I'm going to be, you know, roaming around, I guess the U.S. or something. She was like, I need an RV so that I can live in, whatever.

She was using it to live in because she has like a whole ranch in Mexico. So she'll come, when she comes here, she'll stay in that RV and then go back and forth from Mexico to here, right? So he took it an 11% debt for her with the minimum payment of $5.41.86? The idea was originally she's like, you know, let's buy it.

we'll go, you know, I'll pay you on it, and then it'll just be on your credit, but she'll pay it. What ended up happening was she had a little truck, like, hand-me-down truck, and she's all like, I'll give you my truck and you take over the payments. And I was like, all right, cool. So we took that truck, and we sold it to have more money to kind of keep us, you know, afloat when she wasn't working. And then I ended up taking over the payments through the RV. So now we owe the RV.

What is wrong with you? This is ridiculous. You owe $21,543.66 on it. Repo it. Well, she still lives in it. Then no. Oh, then, oh, where is it? You got to tell her to get out of it and get it back in.

You got to tell her she can't live in it. And you got a voluntary repo. So she should, do I have to evict her? Like, do I evict her? Kind of, yeah. Yeah. Put her in hotels when she visits. It's cheaper to do that.

once in a while. She kind of lives on both. She stays here for like two, three months and then goes back for like a month. She can't live a home with you guys when she's here? No. Be a grand parent. She's a free spirit. Energy.

You remember that lady you had on here with the energies and the tarot cards and I think so. That's basically her. I could have been. It's almost like I was watching my mom. And yet you trusted to go into debt for that person? Well, she helped us out a lot. She did help us out of life.

In what way? financially? She helped us pay for my. my daughter's daycare when we didn't have enough. She would pay us like half the payment or something. Yeah, but that doesn't mean going to a debt. Maybe offer to put money down or something. Like also whenever we're trying to get-

You had late charges, of course. Oh, fuck's sake. Yeah. Let's keep going because my guess. Okay, Mr. Cooper, this is a mortgage. Yes. Oi, oy, oy. See, cheaper than the apartment.

Yes, but if I want apartment shopping for you, I guarantee I could find something cheaper. Yeah, but is it nice? Potentially. No, but it's not. No, it's hard to fuck now. Shut the fuck up. Dude, we're fucking up.

In the entire Houston area? Yes. Dude. No. I know housing. Oh, really? Yes. You're so ugly.

Shut up. It's worth more than that now. We got the valuation estimate. Valuation via who? I'm Mr. Cooper. No, I have Mr. Cooper as well. No, I don't care about that. This is my record.

Okay, so you owe a total of... $21. Or something. It's the balance. Last night change. 7%, right? Don't love that. Oh, here we go.

218,000. Dude, I thought it was 675. Dude, rounded up by a percentage, a 0.1 percentage gets it in 7. I mean, it does, but yeah, $21,789. See. Minimum monthly payment.

Which, by the way, as rank can go up and down this will only ever go up because property taxes will only ever go up $1,766.00. You could refinance to a lower rate that might make you go down.

So we did the homestead exemption. If you sold it today, I mean, you have an equity position of about $5,000. If you sold it today, you'd lose money. So this is not great.

Easy as that. That's today, but what about like in March whenever the New Year comes in? You see what I'm saying? Because they're building a bunch of shit nearby. They're building shit everywhere. It's just every metro region in Texas is growing

and building. Therefore, we can only win. Therefore, that is not true. You literally would have to write a check for about 10,000 hours if he closed this today. If you sold it today, you would have to write a check for 10,000 hours. It has gone down in value since,

yeah, middle of this year. It's gone up at the beginning of the year. Now it's gone down. This is not, this is a really stupid thing to do, guys. Really stupid thing to do. I don't think so. nice house. Objectively, yes. No, I mean, it's fine. It's a small

little ranch house, it's fine. Definitely on the far edge of Houston. The far, far edge. Yeah. It's all the way the fucking middle of nowhere. Yeah, which is extra stupid because there's no work there. Makes no sense. Yeah.

Well, remember, with the rent that is comparable to this in civilization comes with jobs that pay money that you're close to. Okay, student loans, who Who got the student loans? He did. I did.

For what? For what? She was able to pay mine. You finishers? Well, I finished school without having getting any loans. Oh, okay. What did you do? I got loans.

For what? I got loans for my degree. I have a bachelor's in safety management. There you go. So I got a bachelor's it. But yeah, that's good. Basically. I mean, it could have been paid off if you didn't have to pay somebody.

I mean, it's fine. You got a good return on investment. You make good money. I'm not complaining about this. Yeah. And it's federal student loans. Anyway. It was kind of a stupid thing because I could have paid my college.

If you didn't, whatever. 26,827.71 cents. Your payment plans. Oh, regulars 187. Yeah, some like that. Okay. And it's federal. So I'm not freaking out about it.

I'm minimumty payment until it's paid off. I think it's all like what, subsidized, right? All the subsidized student loans. You might have someone subsidized. Let's see. I don't even know, dude. I can't. I don't pay it.

The statement's not great. So I don't know. Okay, either way. Is there seriously more? No, what is this? Is there more? No, that's my 401? I was standing low balance.

Yeah, so I had a loan for my 401K. So, collecting it. Again, it was a survival. No, the deposit that I deposited in check is like $50. It gets deducted from the balance. Yes, it would be called due, and then everything you've been growing will get. It's so stupid.

I mean, I have more in there than what that. Yeah, because, well, first of all, first of all, what it's worth, you've probably borrowed close to everything you've put in outside of employee contributions. You can't borrow from employee contributions. So, but the debt is $1,227.36. Retirement accounts about almost five. Just under five. So the cool thing.

Risky. The cool thing, yes. Well, I'm going to say, addition to that, we also have, like, I guess part of the company, right, is the employee stock stuff. Checking accounts to negative 930. Which one's that one? Negative 30 cents. Negative $0.30.

I couldn't see on my glasses. That's our junk. Yeah. Oh, that's when. I took over the finances, she said. I mean, if you took out a hardship loan less than two weeks ago for $700. So that's not listed. Under 401K?

Yeah. We needed to make the payment so we didn't go late. My whole thing was I don't want to go 30 days late on the car payment. So we took it out. No, you took it out for the RV. Oh, yeah, the RV. That's right. That's what that was.

We were behind the RV. The possession would barely even help you on the Cherokee because they wouldn't be able to sell it for much. Exactly. That's insane. Okay. And then negative on the checking account. She didn't even know this. She took over the.

And since we're negative, since we're negative, we're getting Chick-fil-A, Shepley-Dunuts. There's a fee. There's a fee bullshit. Nothing bunk cake. bun cake, pizza hut, food truck, El Tree, McDonald's, McDonald's, went in the bull's store and got some bullshit. Ariana's bakery, we have firm,

made an affirmed payment, grill, egg up grill, eggs up grill, lily, parking, little egg. Affirm, ATM with draw. Who knows where the f*** that went? Tacosotoro. Oishi, sushi, eggy barbecue joints selling out money. It's all bullshit. Check in the box.

We have a child. This is disgusting in your negative and checking account. What a joke. But a Monica, a firm, retrying payment on something. Great, that's wonderful for your home depot card. Something, you got something at a plaza, sawdust, restaurant, Starbucks, premier catering again, whatever that is, little a Monica.

$20 to, oh, easy tag. You're taking tolls, affirm. Going in and getting some bullshit from the gas station again. Gamer subs cheaper, 25 cents a serving, and it tastes better, I promise. When it feels chocolate, you can make yourself one of those servings, take it, dude, they're free. what a joke over drafts up the dick just stupid stupid stupid bullshit dumb I don't even know

let's just see if this is even possible because that's the big question at this point I mean so we do we did eat out a lot before we stopped in now shut the fuck no I don't want to hear this is what this just happened total income is good 9,9,923 minimum monthly debt payments let's get this oh you don't have any you guys what did you put down on the high house. It was not much. It was like

like 8K or something. Okay. So, so far you're underwater actually in the house. Okay, mid-onemently payments out of Sederate. When did you get the house? July of 23. Oh, fuck. Ha-ha! You guys are, okay. And your mortgage,

$1,76,021 cents. Gas, electric, utilities, Internet, all that combined about how much? I know it fluctuates, but Like utilities? utilities and internet all combined. How much? Probably like, what, $400

bucks, maybe? Okay, $400 bucks. Phone bill. Just 90. Whatever you pay. Yeah, well, it's 60. 60, that's not bad. It's something like helium.

Yeah. We have, okay, that's good. We like helium, $15 a line for the T-Mobile service. We like that. Transportation. Okay, so gas, room, from Drive, Drive. About almost $80.

A month? No, a week. I'm sorry. I was thinking a week. So $3.20 a month. Yeah. car insurances? We pay

125. Is it 125? Yeah, 125. Okay, groceries we should be able to do for the two-year-old. Two-year-old's off the tit, right? I think. No.

Two-year-olds on the tit? No. Cheats. She's food. She eats food. Milk and food. Yeah, we have to buy for three. Oh, my gosh.

$700 should be fine. I was going to say less. That's a lot. $200. Oh, yeah, $600 for groceries should be fine. I was being general. 600. Okay, TP fund, anything else you need to survive.

Tampons, toilet paper, all the good stuff, toothpaste, things for the kid. That's what you got. D diapers, blah, blah, blah, blah, blah, 200. Actually, I'll say 250. 250. 2.50. Medical health care. Any co-pays on a monthly basis.

1250 because that fee. 1250. Subscriptions. Let's see if I can budge in 25 even. Do you have any pets? You mentioned pets before. What do we have? We had a shit.

But now we're down to just a turtle, a, a, fucking immortal, Mexican chihuahua. and a cat. What's the cat age and the health? He's like four or five months. Yeah. Oh. So he's, yeah.

Okay, pet insurance on the cat, 50 bucks. How much for pet food and pet man and a monthly basis? What, 50 bucks maybe? Okay. Anything else that needs to be in your budget that I have not taken an account? Mm-mm. Okay. Mad this all love.

Did you include the RV payment? Yeah, that's in the debt. Because we missed that like last time. We did a whole plan and forgot. But you didn't mention. It's your consistent plans. They're always so... Damn right.

Plan. Okay, I mean, you guys have room. 7,000... Because you guys have an incredible income. Again, this was not an income issue. This is not an income issue. Even before you got this new job, it is not an income issue. You've got an extra $2,000 a month.

I'm going to give you $500 in fun so that you can maintain this situation. It's called a $1,500 dollars left a month, okay? 500 hours of fun gets you some good shit. And I don't oftentimes get the chance to do that. So $357,085.85. And $52 total of debt. Let's minus the mortgage of $218,741 in 89.

And also minus the student loans of $26,931.45. It brings us to a total debt of $11,412, $412 and $0.412. A bad, bad, bad, bad, bad, bad, bad debt. $1,500 a month pay us off in 72 months is chunky but six years? No, I don't think you have to do bankruptcy

because we're giving you a good fun budget you're able to maintain, you're working a lot, you're getting pay raises once you're able to take up more shifts of work, you do and obviously by this time the kid will be in elementary school well before this is finished halfway into this process

so your income won't be substantially boosted I think you guys pay it off in five years. Sassy black owner was incorrect. I don't think you need to do bankruptcy. She did make me through. Sassy white boy says, No. Sassy White Boy says no. I think five years to pay this off, and it's not that bad, guys.

It's not that bad. It was really funny, though. And then you get a fully front of an emergency fund, and then we really need to catch back up on retirement. I think we do, for a little bit at least, 50% on needs, 25% to fund, which is a substantial amount of money, the income you guys have,

and 25% to catch up in retirement. Okay, join us in the post show. Colton saying we got some juicy stuff to talk about. I don't know what it is yet. But let's get the Hammer Financial score first. Spending in a budget. You actually technically underspend on. this last month, but you also weren't putting your money

towards debt because payments were failing and you were overdraft and you're checking, it didn't make sense. So it's still with the overdraft, zero out of ten. Debt, it's horrendous. I mean, just straight up, it's horrendous. There's no collections or IRS that, so one out of ten. But emergency fund, soon the debt will be zero out of ten months. Medical goes to collections. Emergency fund, there's nothing. Zero out of ten retirement. You withdrew, you borrowed against. 401k loan.

Okay, at least there's, I'll give a one out of ten out of generous. Real estate, it's not going to be great. At least you're in the market, but you would lose money today. You've lost money since you've put it in. And you've only put more money into the house anyway with the spending you've done. Three out of ten. Hammer Financial Score, I mean, yeah, one out of ten. That was right.

One out of ten. Guys, click that join button, get three premium shows posted every single day, Monday through Friday, and Hammer Lee, including an extra 20 minutes of every financial audit episode, including this episode where we got some really juicy stuff to talk about. I'll see you guys there. Bye-bye. But apparently since you submit it.

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