Financial Audit - Financial Audit’s First Divorce

Episode Date: April 4, 2025

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I no longer have trust in her is what she said. But why is everything she says right? But I can't say right. Does she do manipulation talk? Because I'm starting to pick up on it. So talk about leaving me if I'm not bringing in more money. I told you that we have to figure something out. No, you came down on me about that job.

I work 60 hours. I work six days a week. You think I don't know? They're screwing us. They're eating our bank account. It felt like you haven't cared about what's happening with our money. How do you think I don't care about our money, but I'm trying so hard to make a difference. Download my new simpler budget app today and take control of your money once and for all.

And as an extra limited time only bonus, I will give you a signed version of my budget. friendly cookbook for free when you sign up for simpler budget premium annual. Hey, I'm Sadie. I'm 23. Hey, I'm Nicole. I'm 26 and we live in Mobile, Alabama. And this is a financial audit. The financial audit over here from Alabama things are coming in, guys.

What do we do for a living over there? Start with you. The other one in front of me. I'm a cook. Cook? Like a line cook? Yeah, line cook. We're talking like a Texas Roadhouse.

We're talking like a nice place. That's a brunch spot. Okay. So, okay. How much you make you? A 19 an hour. Okay. In Mobile.

I honestly don't really know the cost of living in Mobile. I know Alabama is definitely lower in terms of the nationalized scale. What do you do? I'm in car sales. Just got into it about three months ago. Are you seeing commissions? Yeah. I am.

They're screwing me over on my commission right now. So like I'm waiting to get paid for like 10 cars right now. You know. That are like a month behind being paid, month plus behind. Basically. Why? In the dealership? It's not a dealership.

It's more of like a mom and pop type thing. Not like mom and pop. It's just worthy. I don't know those existed anymore for cars. Well, we're like the used car dealership for Mobile Mitsubishi. So the one guy that, basically they're just screwing me over. I haven't got paid for a lot of my cars whenever I go to ask my manager about it. He's like, oh, it hasn't been funded.

So the customers walk away with the car without it being paid? She'll get paid. It's just like she sold 10 cars in a week and they only paid her $180. And she's supposed to get. What was your promise commission from that? So I'm supposed to get 20% of the gross pay. So basically whatever they make, I'm supposed to make 20% of it. 20% is a chunky percentage.

Yeah. But they've only paid her. I'm so sorry. You're all good. They've only paid her like 200 per car even if we know that they made. How much have you made? What did you make last month? So in February, I made $3,042.

And most of that is off bonuses, not off the cars I've sold. What do you get bonuses for? So, like, if I sell six cars in a week, that's $350. Okay. Why are you still there? I'm leaving, actually. I am going to a different job. I was just hoping it would be better.

Have you got accepted? I have got accepted. What are you going to make in this other job? It's so either I can pick the $3,500 a month plus a flat rate on every unit that I sell, or I can make strictly commission. And I'm looking at making strictly commission because, I love sales. I'm good at it.

And I make a lot of, I make a lot of sales a month. Okay. The sales version of Ellen, got you. $19 an hour for you. How many hours a week are you working? 35 to 40. It's just.

But you're going to be funding the household for a while. If she's going full sales, like it might take a second. She's been selling, that was the thing is that she sells the cars. It's just, and I know that it normally takes a little bit for the cars to be fully funded.

everything to go through. But like, looking it up on Google, it said it shouldn't take more than a week or two. That's why most of them are like biweekly payouts. How many cars do you sell?

So my first month there, I ended up selling 20 cars. On average, I sell 15 to 20 cars a month. You're lucky. You're on the lucky side of it. Everyone else gets, that's okay.

Are you going to be selling new cars, use cars? Probably used cars until I get a little more down into it. This is my first time doing car sales. So what's your commission is going to use? So my commission is going to use. So my commission. They haven't told me that.

They told me it's going to be more than 20 percent, but that's why I still haven't put down. More than 20 percent? Yeah. They usually do about 25 percent on bigger dealerships for commission. Jeez. The margins on those things. So if you wonder why you're paying so much for a car, you're paying me too, buddy. Oh, yeah, everyone knows that and that's why everyone hates you.

Yeah, pretty much. Okay. Great. So we might for a second be living off a $19 an hour for 35 hours. a week for a second. Are you leaving this job before you get the new job before you walk into the new job? No, absolutely not. I don't like you make much from it anyway, but that's okay. What hits your account on a monthly basis? I'd say average about 4,000, I mean 2,000. I'm so sorry. Monthly? Like, yeah. Well, our business isn't as bumping. So my hours, I went from like 42 hours

a week down to like 36, 37. Over how long? It's, I've been sitting at 36 hours a week for like a few months. Why don't we go be cooked somewhere else? The places need food to be cooked. Because nobody pays you over $10 an hour. It's at minimum wage is $7.25 in Mobile Alabama. No, I get it at a $7.25 here, but no one makes less than $18. Nobody pays more than $10. Low cost living area comes with lower pay. I mean, I've even tried getting a second job, but half the places that are hiring take six months to get back. What's your resume at this point? I mean, you're 23. You're on the younger side. I've, I assume you didn't go to college. So what is going on here? What are we doing?

What is happening? What is happening? I don't know. I've lost faith that we can pay bills. This is of the first time in a long time ever that I don't know how we're going to be able to pay. We have so much debt if you've been able to pay for everything in the past. I was making really good money. We worked at the same restaurant.

I was a server. I was bringing home food. $1,500 a week. Wait, if the restaurant is that now? Yeah, I started there. She just moved in January to car sales. She just moved. How much were you making?

I made $1,500 a week, but the problem is that the business completely died off. So I wasn't making any money. Why did the business die off all of a sudden? What happened? We don't know. It's everywhere in Mobile, though. That's why all of everybody that we work with has two jobs. So, like, for example, Texas Roadhouse, I used to work there.

I used to be bumping every day. Now if you drive past Texas Roadhouse, there is nobody in the, the parking lot. Like nobody's spending money in Mobile right now. Okay. Well, that obviously sucks. And when we were making money, obviously, we just weren't paying our cards. Yeah, I mean, Mobile, it's been a declining population since about, what is that, 2000.

Yeah, it's lost almost 20,000 from its 200,000 peak. So that's pretty brutal. That makes sense. Why are you guys staying in Mobile? We can't move. I mean, what are we? I'm talking about. Everyone can move.

You can move. I don't know. I'm just scared. Like, so. When I moved here, it was, yes, with a promise of, well, a sales job, it was only going to be like 30,000 hours a year. But I just packed up my sedan. And I'm kind of hoping.

I'm banking. I don't know. This is the longest. I've been with my job. I've been with them for three years. Yeah. The job's declining. I know.

Like, there's a real world. You are like, they're not entitled to your work. I know, but I can't. I can't. of capitalism, right? There's the side where there's the side where no one's paying you more than tenant in a mobile. But there's also the side where you don't have to be in Mobile.

We just bought a house too. You just bought a house? We bought a house a year ago. No, we bought a house a year and a half ago. It was a year and a half ago. We were making really good money. I know so much more goes into this. Oh, yeah.

I know so much more goes into this than just what I'm about to say. But I come from the money side. I come from the real estate side. why the fuck are you buying a property in a literal declining town? We had, I mean, we needed a place to go. I want to move out of, Nevada on the street. I want to move out of Alabama. We have animals.

We have 10 animals. What are you doing? Huh? The strays, man. It's so bad. Well, stop. Mobile, we ship out, I mean, Alabama in general. So because we can't, so because we can't stop petting pets, we literally have to invest in a

decline. We didn't have that. have that many animals when we decided to buy a house. Okay, then you're, then you bull-s-me. Then you both-thes me. You could have rented then. Well, but we did have animals was the thing. How many? We have like two or three.

I've had two or three and rented. Okay, but it's a hundred plus. It's a hundred plus a much. But you're not getting stagnant in a declining town. It happened. We're here now. I know. We bought the house.

I mean, I mean, it happened. I want to move Alabama, but it's a, sometimes it's a little. Hard. Yes. Only have you been married? We, be married in 22. How do you guys have you guys been together? 20.

So five years. Okay. Breaking the odds. Well done. Hmm. Are you guys both on the mortgage, done? Yes. Yeah.

Okay. What is you guys this relationship with money? Like, how do you guys operate? So it kind of started like when we got together when I was 18. I had no idea how to do any financial, anything. I never touched. I'm not saying, let me finish. I'm not, I'm just, I'm just saying, you made me lose my train of thought.

Oh, I just, I didn't know how finances work. She took care of me. She paid for everything. I lived in her house. Like, I had my own sugar mom. Yeah. Took care of. You were her sugar mama.

More or less, not really. Well, were you guys together? Yeah, we, we got together. You whole, man. Yeah. I know. I got it. I moved in.

I mean, I didn't. she wouldn't even let me see her bank account. I wasn't working. I got to say it. No, because, I mean, even whenever I did finally say something, like, for example, she was smoking cigarettes really bad. And I would. Don't do that.

And I told her, I was like, look, I don't know how I'm going to pay for cigarettes. I really don't. I cannot afford it this month. I have bills to pay. Her cigarettes? And she got. Wait, her cigarettes. Yeah, she got snippy with me.

You're having a hard, the hard, tough conversation you guys had is, babe, I don't think I can pay for your cigarettes this month? What's the life for you guys living? I said, well, you need to get another job. I didn't say that. Did she say that? No, I never once said that you said that. I just, that's not at all what I was going on.

I was just going to say, I told her I could not afford it. I don't know how I'm going to pay for it. I'm really sorry. And she was just like, well, I don't know what else to tell you. I need cigarettes. And I was like, I can't afford it. She said that for five years. now. Why would I just make it up, though? Well, it sounds like a pretty impactful moment on the

terms of how the finances have worked in this relationship. Like, she couldn't fund your horrible, disgusting, smelling addiction. And you just freaked out about it. Like, I didn't freak out. That's what I'm saying. Well, she's making it. That's how it went. That's how I recall it. So, you know, if we recall it two different ways, it is what it is. But, no, I, I, I. I did have a conversation with her because I was taking care of her and my dad. And I just, I let her know, like, I have to buy groceries. I have to buy other things. Like, I have to pay off my credit card because we'll get into it later.

One of my credit cards, you know, I had some money on it back then. She holding you back? She holding the financial part of the relationship back. Well, not anymore because you left the higher paying job. Now you don't make as much. That wasn't my money on her credit card either. That was before you back together. You guys swapping?

who's the who's holding back the boat it's not that we're holding back like I mean literally we would go okay so we just went to a Mardi Gras ball and like I told her like I wanted this dress and I said look I need your help to not like tell me not spend this much money

I have a spending problem Okay yeah maybe you can control yourself You're an adult Do you have no agency? Are you incapable? Do you need daddy to still hold your hand at 23? It would be nice Yeah if you're incapable of literally having any agency.

I go to work. I pay the bills right now. I'm doing everything that I can. And buy addresses you can't afford. We could afford it. It was in the bank account. It wasn't on a credit card. You can't afford it if you have high interest credit cards.

I can't move. If you can't afford to literally pack a car. We had the chance to move. No, you told me you couldn't. Okay, well, I'm scared. I was scared to move. That's what I told her. All of my family, my grandparents, this at the other.

Now we can't. I was saying we can't now because we just bought a house. $500. And you got two? I got one. I'm saying I asked her to, I was like, look, I really want this dress, this at the other. I was like, but I can't, like we can't afford it right now. Just help me, help me pick a different.

Do you have no agency? I'm so confused. You're incapable? Oh, I'm capable. I don't, not from that conversation. You need her to tell you need. And then when she doesn't, you're just like, oh, I'm going to destroy our lives. It's, ah, ha, ha, ha.

Yeah. What? And we're okay with that? No, I'm not okay with that. So how'd that go? How'd that conversation go then for you? Oh, that's what it was. It went exactly like that.

I got a really good check for my job. Which one? The, the, the shit job. Yeah, I got like a thousand and something dollars off a check because some of my cars had funded or I don't really understand because they don't give me the car prices. They don't let me know how much I actually made off them, anything like that. So I finally got a good check. I was like, this job is actually going to be good.

I'm actually going to finally make money off this job. So I got excited, you know, so I told her I was like, look, I'm going to be able to pay for this dress. If you want to get too sarcastically, I didn't mean it like that. But, you know, I thought I was going to make good money. She always encourages me to treat myself to go get this and that done. She's like, oh, get this done, get that done. Who's the spender?

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can you guys afford it? Kind of do your thing. Do your thing, but her thing impacts you. I thought I was going to make money off his job. I really thought his job was going to be okay. That's not how this works. Maybe make money first and then spend it. Well, it started coming in from that job because I was getting, I got two decent.

She had $1,800 in a week. Like, we just don't understand. Like, she sold the car. Yeah, it's a shit the job. And maybe I'd fucking sue them. I don't know. That's our plan. We just, it's.

Actually, my grandmother is. You have a hardcore contract? Is an attorney. We're talking. That you signed. So, right. That's the issue. No.

There is not a contract. You're not going to get anything. The only thing is. Don't waste your time suing. If it's, you don't want to sue. You didn't protect. yourself protect yourself yeah I figured that out the hard way I did but now over there where I am going I have you know I am doing contracts and everything I'm just got to get

I'm still concerned that you spend a trillion billion dollars you don't want to you tell her not to then you tell her to you just what do we do what how the fuck are we going to financially survive you guys have broken the lesbian traditions congratulations five years but how are we going to financially survive. We were making money. We just, so what we would do. You go a check once. I'm not saying that check.

I'm talking about when we were both working. When we were spending the money, we were making money. What was making money? Bringing in $6,000 a month. As a household? Yes, before she got this job, she was bringing in $1,500 a week. Then what was the issue? Why didn't we budget on our new income once the money went down?

Because we just kept spending the money as it would come in. And it wasn't just me. spending money. It wasn't just me deciding to do this and that. It was us together. Like, but also we, I don't know. Wasn't just you spending money? It's not just me. Those aren't just my credit cards with money on it. Okay, so you have spending problems. Well, we'll get into it whenever we get into the credit cards. No, because you know what? My money goes towards, my money goes towards the stuff that you want. My money goes towards the animals. Like, that's what most of my credit card debt is too. Listen, guys, even with your lower paying job,

with what you're getting in pain now, combining with you, so you guys make the median household income in Mobile. You guys were making $2,000 above the median household income in Mobile before you were doing okay. Now, for what it's worth, I was actually wrong earlier. Yes, it's the declining city. But somehow over the last few years, maybe because they're just actually, I really don't know. I would have to do a deep dive, but the housing market is actually doing quite well there for what it's worth.

So maybe you guys didn't make a completely dumb decision. I don't know if it's a long-term play, but you may have a safety net to get out of there if you really want to. We just wanted somewhere to settle for a few years before. You don't buy a house for a few years. Yeah, but we got a neighbor that we're going to talk to whether or not he wants to buy it because he owns like a cow farm. He owns like half the neighborhood we live in.

And he rents out trailers and everything. You're going to talk to him. Have you had like as a expressed interest? Yes. He wanted to buy it before we bought it. But it was owned by. Well, he bought it at the price you want? Well, that's, we don't know.

I mean, that's the thing. Or we've discussed rinsing it out. What did you buy it out to people? 9500. Don't get into the landlord game. I don't think you're ready for that. I don't want to do that. How much did you buy it for?

95,000, not 95,000. Not 9500, my gun. 95,000? Oh my gosh, Mobile. Do I just, the fuck? We bought a land in. So time to just retire in Mobile? What is that?

We bought a land in trailer. We bought a land in trailer. It's not like a house. But every house that you could buy in Mobile was 300,000 plus if you wanted to get on the Loan. Yes, then maybe you couldn't get a house yet, and that's okay. You're 23.

The fuck. Well, it is what it is. We bought it. It is what it is. So instead of actually trying to just change for the future, it is when it is, come on. Well, I mean, we are trying to change. That's why we're here now. We need help.

We need help to get out of debt and to move. That's the whole reason we signed up for this. I've been watching your videos. We've been watching your videos. I just, we have been talking for a year now on actually sitting down to a financial person. I've talked about it multiple times. haven't you guys done it? It's been a year. You're freezing. It's so cold in here.

Well, I get stressed because I'm sitting across. Yeah. You're a celebrity, basically. We just keep pushing stuff off. We would just keep, like, what we would do is we would spend something on our, um, we would spend something on our credit card and then we'd like, okay, when we get home, we'll pay it back because we would have it sitting in our account. But a year, why haven't you guys done it? If you've been talking for a year, which is a great

conversation to have, and I fully support that action, of course. And it is what it is to a certain extent. I just don't want us to be dismissive. It is what it is. Yeah. Because that's what sometimes it is what it is gets to. If it's, it is what it is to deal with it. Okay. That's what I'm okay with. I just don't want to use the dismissive part. But it's why you're talking about going to see someone. Kevin way. A year's not an insignificant amount of time. Yeah. It just hasn't it just hasn't happened. We've had a lot of talk. Why though? I want to hear a why. Why talk no action? Something else that screwed us over the animals. It always comes down to the animals, okay?

So that's where a lot of our debt comes down to. What possibly? So there's this dog. We picked her up. She ended up getting pregnant. She had nine puppies. And then that costed us thousands of dollars because we went to the vet. We couldn't let them outside because of parvo.

So that included puppy pets. You guys obviously can't afford them. And it's not fair to them to have them. We don't have them. We found them everybody homes. We pick up. How many do you have now? We have 10 animals.

You can probably not afford. You can't. Didn't you open this conversation with. I don't know how we're going to pay our bills. So you cannot afford it. It's not fair to them. You're not giving them the best life. There is nothing else you can do in Mobile.

You can't rehome animals. You can't re-home animals. It's against the law. In Mobile, it's not going to happen. It's not that it's against the law. Are there other towns in three-hour radius is a Mobile that you can post? Okay, but look, what we're trying to say is that anywhere you go, they pick, animal control picks up like 100 dogs.

a day in Mobile. We are constantly, we just, they just picked up 20 German Shepherds. I love, I, no, no, no, I love what you guys are doing.

I love what you guys are doing. But you are in a position now. You can't just say it's impossible to re-home when you can probably find other, other communities within three hours where you can meet halfway where you might be able to re-home.

That's all I'm saying. I'm not against what you guys are doing as a general concept. We've tried, we've tried rehoming animals. Inmobile. Not immobile. That's what I was just told. It's so hard for anybody to get rehomed to the point where they are literally putting animals on planes and shipping them off to other states.

It is very difficult. Because it is. I mean, they threw people. How would you go spend on these pets on a monthly basis? Not even three. I think we decided. We added up to numbers. It was 250 that we spend on the animals.

We're on dirt. They don't scratch. We don't have fleas. We bathe everybody like once a week. Yeah, I'm not saying you're doing it bad, but what if someone gets sick? That's my concern. If you can't afford to pay your own bills. can you afford.

The vets are where we live. I mean, they are absolute crap. We've taken them to the vet. We've taken the vet plenty of times. Because everything I'm hearing is immobile. Can't do anything there. That's what I keep trying to say. But she blows it down to me that we haven't left.

And it is. Really? Is that true? It is me. But like I said, I was scared to move. I was scared. You're saying was, though. I still am.

Now. Oh, why? Because my grandparents are old. And I know that's stupid. Are they in mobile? Yeah. No, that's not stupid. My whole family's there.

My family is everything. And I get... No, no, no. That sounds stupid. I'm just saying that towards her that like I get you're ready to go, but I am younger. It has taken me longer to learn stuff. I'm so... Don't infantilize yourself.

I was on your side until you started to act like a classic. That's what? Everyone, every one that... Dude, when I was 18, I was so excited. I'm an adult. I'm going to go do everything adult and be independent. Great. That's not what I'm saying.

I'm saying everyone your age is so infantilizing. Right. I don't understand. Everyone is maturing so much slower and everyone is obsessed with I'm young. I'm a kid. I don't know what happened. I'm saying that it happened. Was it fucking COVID? Like what happened? Because everyone I talked to your age acts like they are a child and a victim like, oh my gosh, I'm a 28 year old 16 year old. What the fuck is happening? Like it's blowing my mind. I'm seeing online every day. I'm seeing that I'm that I was scared to move at the time. And we bought the house. I mean, not as much. That's okay. At the moment, we do, we cannot move because in order for you to make a profit off your house, you have to live in your household for two years. And then that's just to cover the taxes whenever you go to sell your house.

Yeah, and then you're living in a depreciating asset as well. And that's where the other problem is. You're probably going to have to take a loss. But maybe the land you'll be okay. Because you got the land. Yes. The land might be okay. I don't know about the trailer.

I am not pushing against you of the fear. I totally get it. That's the only, only thing that. kept me in Kalamazoo for a while was my family. That's the only thing that still draws me my, you know, my heart to Kalamazoo is the family. I just got so emotional because it's a, it's a conversation we've had a lot, you know. I get that. I get that.

I don't want to hear the, I'm 23. I'm still young. I didn't say that I was young. Yes, you did. I didn't say that I was young. I said I was scared because I was young. And I had family and I didn't know how finances work. What was a year ago?

When we got together, two, three years ago before we bought a house, before we had plans of buying a house. What are you associating to, though? I'm just trying to figure out. I'm trying to figure out what you're saying. When you are saying was, what the fuck are we even talking about was afraid? Like, I had never paid bills before. I didn't have.

When? Oh, I'm sorry. Like two, three years ago. I pulled my first, open my first credit card. Then why are we talking about that? I don't give a fuck about that. I don't even know. I can't know.

What's, what are you? Okay. I think you've asked me why we, it's okay to feel. It's okay to feel anxiety. It's okay to feel that. It's okay to want. to be close to family. I'm not against that. I just don't want you to be in the perpetual state that so many people are in their young 20s of thinking they're fucking like 12. It's such a

common thing now. I don't know what's happening. I'm ready to go now. Well, she said you're the one that's preventing from leaving. And it's because of the family, which is a valid reason. But maybe you can live still like a few hours away with better economic opportunities. Yeah. Like Alabama's not, Alabama, Mississippi aren't really known for best economic. opportunities. Where do we think we are on the world is zero to ten? I'm going to go three, two, one, go on go at the same exact time. What possibly are you going to say? I'm explaining how it's the score. What are you possibly going to say? Okay. I'm going to go three to one go. I want you to give me your household financial score. Zero to ten, zero to ten, being the absolute worst, ten being the absolute best. Three, two, one,

three. Ah. Yes. Have you guys discussed? Okay. If you want your hammer financial score, take the assessment, see where you are. Go to Caleb Hammer, com link in the description below it's a fun little time if you want to come on this show come on the show Calebhammer.com slash apply I'd be happy to have you on so let's start with the discover card there's a dog on the picture of this discovery card is this all animal debt uh I'll say like probably like 20 10 20 percent of its animal debt well that's not enough yeah we so what the fuck is up the other thing is going to be we went on a Colorado trip we would go on yearly.

No, there's, I was, you know, I didn't even think about that. I didn't even think about that. You talked about Colorado, but the fact that you literally cannot even afford to pay your own bills at home, how the fuck are you going to Colorado? Well, this is when we could afford our bills. Are you sure? Because you put it on a credit card and it's not paid off. So I don't know if you could afford it.

So is that how afforded means? I don't think that's how afforded means. What we plan to do is, uh, and you're going to yell at us, but what we planned on doing was paying it back with our taxes. But then we found out our job wasn't taking enough taxes out of our paycheck. So we ended up owing our taxes. about withholding. Okay.

Well, we were going to put our taxes towards it. And then... You're talking about a return as in they took too much money. What are you guys talking about? No, our job wasn't taking enough money. So now we... No, I know. Enough money.

You're expecting your job to take too much money because that's the only reason you'd get money back. And that's what we thought was happening. But it turns out they weren't taken out enough. Why did you even think that? Because we were putting extra up, but we were exempting. It said exempt instead of extra withholding. Because even our tax lady was confusing.

about it. We got her to look it over and it said how much extra do you want to withhold but for some reason it... Why would you want to withhold extra? So that we thought we were giving them extra. Because we owe three things. Why would you want to give them extra? Because we don't want to pay $3,000 at the end of the year. It's not it's not about a return. It's it's we owed $3,000 because they weren't taking, they weren't withholding enough. Any other job that we've worked at like we've either not had to pay or... Again, this is a just incapable thing. It's like... I've never owed taxes before. So whenever they came back and said that, I was so surprised.

The fact is, if you are giving them less in terms of withholdings, you have more money. And if you are budgeting properly, shout out to the simpler budget app that I made, which you guys should fucking use. Seriously. If you guys are actually budgeting properly and you have more money because you're withholding less, you will put that towards savings. You will have more savings. The tax bill wouldn't be terrifying. And by the way, while you have that savings, it would be accruing interest in like a high-ield savings account. The ideal situation is get to withholdings to where you aren't returning any money.

You're not owning any money either. That's the ideal situation. Guys, I just wanted to say an extra thank you for making simpler budget, an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two-week free trial in there for the premium version.

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

And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Of course. And that's just what we wanted. But like, that's what, that's what we're saying. Then why were you expecting a big chunk of money if that's what you wanted? Because we were putting an extra towards our taxes. Why would we do that?

We wanted to do that to make sure we didn't owe them anything. But why are we doing so much that we thought we were going to get a big chunk of money? See how. Because we just, I've never owed taxes. Normally I get a couple thousand back and whenever I didn't. I mean, even when I was making like $7.25 an hour, I think I ended up getting like $400 back. So making more, I mean, I just. So you owe taxes at one point.

That's what I'm picking up. We owe taxes now, no longer. It is accruent interest right now. Wait, what year was this? Last year. It was 2023's taxes. Owed in 2024? 2024's taxes.

2024's taxes. No, it's not. It's not. It's not. taxes. Have you filed last two days? It was 2023. I'm sorry.

That we owed in 2024. Okay. So, yes. And how much was it? 3,000. You guys haven't paid. No.

And it's accruing interest. So now we're at 33. I'm sure that'll be in this pile. I'm going in blind because I like to experience it with the audience. Okay. Okay. So when did you take the Colorado trip? Last January.

Yeah, and 24. So, So you haven't had filed the taxes yet for 2023 at that point. Right. Okay. And you thought you were going to get a return? Because we...

Actually, that doesn't make any fucking sense, guys. You're saying in 2023. So wait. No, no, no. Entireity of 2023, you were putting more towards taxes. Right. We thought we were putting more towards taxes. But you actually put less?

It was under exempt instead of withhold. We don't... Even our tax lady was really confused. But you're not talking about 2024's last year. You're talking about 2023. You thought you were paying more. Yes. Yes.

Okay. This year we, 2024, we did pay more. We paid an extra 50 bucks a week because we owe $3,000. So I don't, I think. It's fine. Yeah. We'll talk about the tax debt. Okay.

So how much you owe in taxes? $3,000. Okay. Taxes. This is 2023's taxes. What's the interest rate? I'm sure it's more than $3,000. You said it's a green interest.

It's at like $3,300 right now. Are you ready for them to garnish your wages? We planned on filing taxes and finally sitting down and paying it off. It's just for not. And you have filed last year's. No, we've been scared, so we just haven't filed. Oh, yeah. What are you going to say?

We don't have money to file taxes right now, like to pay somebody to do it. Because I, well. Pay somebody. Like to do your, to file your taxes for you. She likes to go to somebody and I like to do it. Why would you need to go to someone? You literally. I've never done it.

I'm not even pro-turbo tax. I think oftentimes what they try to do with their fees and stuff isn't actually great. But you guys should totally just use turbotax. You have the most normal job in the world. You do not need a CPA. I've just never done it online. I've always. Why?

Because that's how we've done it. because we know somebody that does taxes. And some of her family kept recommending we go to these people because we could get a decent amount back. But you guys don't have a decent amount back, really? What would you be? What the fuck? So that's why I'm a little aggravated right now is because, you know, I usually did it myself, but then we finally go to somebody and it finds out we owe $3,000.

And I'm like, how do we go to somebody and we owe more? But I've never had to. Dude, this is any tax filing service. I think there's a free one on the government's wife. website. Well, we'll do that. I think you could do it on credit karma. They use TurboTax, actually, I think.

Yeah, it's Intuit. It's the company that owns it all. Yeah, free tax USA. I don't know. Maybe there's a fee on that, but why don't you try that? I'm sure. I don't know. It's just so stupid.

Freezing its name, but yeah, the IRS has one. Okay. I think you can pay what you want monthly towards it. I think you can set however much you want. And let them just accrue that interest forever? Or are you going to wait until they garnish your wages? No, we just, we don't, I mean, I want to pay our mortgage before I pay anything else. So until we can get some more money rolling in.

I do understand that, but you weren't struggling to pay your mortgage last year. You're, again, you seem like, hmm, hmm, you say things for sympathy. I'm starting to pick up on this, almost some, like, manipulation talk. Yeah. Like, yes, I know right now you prioritize the mortgage. We weren't talking about right now. We talked about how you literally didn't do anything last year when you made $2,000 more than the median household income.

Does she do manipulation talk? Because I'm starting to pick up on it. So what we were going to do is we were going to. Answer the question. No. Are you sure? So what we were going to do. So what we were going to do.

So what we were going to do anyways for taxes and everything is we were going to we planned on going on the monthly plan and then a coworker had came up to me and she's talking about how she's on this monthly plan for income taxes. So if you notice you're going to get this thing scared, that seems to be what holds us back all the time. We were going to go on the monthly plan, but then a coworker came back to me. She's talking about how she paid the monthly, but then the IRS came back talking about she didn't make her payment. So they took off more, like more out of her income. Maybe she didn't make what was a minimum required and maybe you're allowed to pay more than the minimum requirement?

I'm not sure what happened with it, but basically she was talking a lot of snack about making... I haven't you guys just literally just talk to the IRS. They want their money. They're actually, they'll actually be quite generous about it if you actually just communicate with them. I don't know why we haven't. I just... That seems to be your answer for everything is I don't know why we did this, this is. We do everything, but we never know why.

It just, it made sense at the time. I mean, it made sense to spend the money on what? At any point in time, whatever you're looking at, it made sense to spend. spend the money. Last year. Why did that make sense? What part? You said it made sense.

I don't know what we're talking about anymore. What you were just talking about. You said it made sense to spend the money. How did it make sense? It just, it did. I don't. No, give me a fucking reason. That's what it is.

You are. So the puppies, we had the puppies back then. I don't think we got rid of them until. An actual answer? Thank you. Yes, that's what happened, dude. So they were, they were screwing us. All them puppies, man.

It was... That you chose. Yeah. So all the puppies, we were spending thousands of dollars. That's what some of that Discover card. That is a decent amount. So the minimum of the amendment is 144. It's a substantial chunk.

It's already like 15% of our... No, no, no, no, no, no, no, no, no, no, no, like 7% of our income that's coming in, which is crazy for the household. And then another thing is a lot of that... Purchases! You're purchasing! Why is this? You went from $5,163 to $5,362.

$5,362. What are we doing? It went up $200 because you purchased $257 on there with $123. $71.71 of interest. Are you both on this credit card? Whose credit card is this? This is something more important than happening than changing your financial future? I was going to see actually what I made purchases on.

How would I tell you? Put your phone on a wire. Oh, sweet. Jeez. Guys, how long does this take the payoff only doing minimum of payments, which is what you do, but not purchasing anything what you are incapable of doing? How long does it take the payoff? It's going to take a very long time.

Yeah, that's an interesting number. Yeah. How long does it take the payoff? I don't remember what number it gave me. Why don't you give me a number? I feel like I said 27 years or something like that. So you actually looked at it, yet we're still purchasing on it. It takes 22 years.

What did we purchase? I don't remember. How much you tell me, actually, but without looking at your phone, you went, you're destroying your life, you're purchasing. What did you purchase on? I don't know. Wow, guys. Okay.

Okay. You do not leave. You do not leave this studio until you download and sign up with a simpler budget app. We made it literally for people to just budget in a simple way. It is so easy. Take advantage to the community feature in there. There's all these new pricing rules,

all these new features that we're adding on a consistent basis. Just do it. Do it. And you guys get this. You guys get the simpler budget founders edition. Notebook that you are going to journal in over the course of your journey from the show. And then I'm going to read over it when you guys come back on the follow-up channel. If you guys want this,

I'll give you a signed version. All you have to do is sign up for the annual version of the simpler budget app. You can take a trial first and see if it is worth it to. But make sure you guys got it. It just, it makes everything so much easier. It is simple. It is automated. Download and sign up for simpler budget.

Then you would be able to tell me what you purchased on. Starbucks. Starbucks. Popfit. SkyCloud 24. Beauty Supply. I'm gonna go with Is beauty supplied

The lashed place? Who's lashed up? No one's lashed. Or something. No, that was maybe For the ball. It was $62. $62?

$62. $62. Literally $62. Yeah. Also brings in 2000. That was 3%. 3% of your household income went to a beauty.

One purchase of beauty. Okay? You said a ball? What ball? You went to a ball? We had a plan for like a year. And that's where we bought the dress, right? Yeah, we bought the tickets a year ago.

Now you're getting the beauty purchases and the what's SkyCloud and then the Popfit and Starbucks. Popfit, they were doing. Cleaners, you went to the cleaners, Jaguar Cleaners. That was for the Mardi Gras ball again. We had to get the, no, we had to get your dress dry cleaned. And the other thing was we had a hard time keeping up with our car. our debit card because our car will actually eat our debit card. Huh?

So like right underneath our radio, if you put your debit card in there, it slides into this little hole. I, did just purposefully. No, we would just put it in there and then our cards would fall in this hole. So then we would just use our credit cards because we couldn't find our debit card. Are they actually children? What is happening? Maybe you should infanticize yourself. Oh my gosh.

Okay, you guys are not credit card people. You can use the Fizz card. That's the one card I will allow you to use the Bills Credit because it's like it's a debit card. It's attached to your checking account. It doesn't let you spend more than in there. That's what our audience uses. That's what you will use.

That's what I would use if I was in your situation. It was accruing interest that is just bullshit. You went to the cleaners twice. Apple pay. Yeah, that's where the Starbucks. And then you went to the market. Oh, bullshit. It's all fucking bullshit.

And we decided to make the balance go up. on a credit card that we can't pay off the disagreement. And we're sitting here. And you immediately said, I don't know how we're going to pay our bills this month. You $500 on a dress. You spent $25% of the household income on a dress. Off.

You can't. I want to have sympathy. I want to come here and be like, you guys have really cut it down to the phone. We can't pay for anything. This is hard. Let's find a solution. No!

You spend 25% of your income on a f***ed dress. And you're like, oh, I guess what? I know I'm going to spend money. Please help me not spend money. Please help me not spend money. Oh, my goodness. Wait, I can't control myself. I'm going to spend money.

Oh, no. Yeah, no sympathy. There. Quicks over. Who has the Quicks over? Who's this the Discover card? That was my discover card. Who's the Quicksover?

So you do spend, like, so it's not just her being the spending problem. Look, you made that card go up by $200. Yeah, yeah. When I started to get my finances in order, I wish I had today's tools. They would have not only helped me get ahead, but also stay on track. So if you're a college student or just not a credit card person like I was, meet today's sponsor, the FIS card.

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So ready to build your credit the easy way with no stress, no debt, no hidden nonsense, head over to joinfiz.com slash Caleb or click the link in the description below. Fizz has both a free and a paid membership tier. If you want to become a FIS member, there's no hitting cost or interest, just an upfront membership fee. And hey, just for my audience,

the next 10,000 people to sign up with Code Hammer 25, get an extra 25% off. So try out FIS today and let me know what you think. What? It was for her. You a little shocked you called out?

No, it was for the dry cleaning. And it was for... Wasn't just the dry cleaning. It was Starbucks. It was the beauty. It was the fucking bull. The beauty was the market. She's trying to say it. all me. I'm not trying to say it's all you.

I was just trying to say it. I kind of said it was all her. I don't really do much. Well, I'll tell you what you do, do. Put a higher balance on the credit card. Okay, quicksilver. Who's quicksilver? I think this one might be mine.

We both have a quicksilver. Who has a $2,884 balance? Me, possibly. Okay, dooks. $99 minimum fee payment. These are already stacking substantially. for what your household income is. In fact, we're already at 25%.

How do you pay bills? Yeah, I don't know. At least there's no purchases, but there are $70.20.20 cents of interest. Only the minimum is made. I don't know that we've really been spending money other than your thing. How much did you guys spend last month?

I couldn't tell you. I'm glad you guys haven't been spending that much money. How much did you guys spend last month? Are you talking about on credit cards? No, just in general. Total spending in general. Whatever bills we have. I want a fucking number.

I agree. I'm glad you guys are not spending that much. So how much do we spend? I know like our mortgage is. Please. Okay. I'm sorry. I'm trying to.

I'm getting there. I'd say, that's okay. Um, I mean, I'd give it like 4500. What the fuck? Whatever came in.

No, no, no, you said you were spending less. Were you talking about for our bills too? Everything. Everything that is spent, guys. Okay. The total number.

Well, I was saying we're, we don't spend on our credit cards other than... That's not what you said. That is legitimately not what you said. Now you're pushing the goalpost. Okay. Yeah. Because that's how you do it in this conversation so far.

You say something. I say incorrect and you're like, well, no, I said this. Well, what I meant to say then, should I say that? Sure, you can make that up. Okay. What's what I was trying to say? This is what I was looking at her for. I was like we have it other than that credit card.

That's literally what I said. I don't know that we... Okay, that's good. So we're not spending on a poll of the phone as well. Yeah. We're only spending on necessities right now. Like, how much did you guys spend going out to eat? Because I'm glad.

I agree. I am glad we're cutting back. This is great. So going out to eat, we probably like. Like weekly or monthly? Monthly, of course. It was like probably like 100 bucks then, right? I would say like 100 bucks.

Yeah. Yeah. Thank goodness. $1,000. Shut the fuck up. You guys are cutting back. You spend $8,000 last month. You guys have no fucking clue.

You're bull-shitting me. You're bull-hitting yourselves in H-K. other. A thousand dollars going out to eat. What are you talking about? You didn't bring in that much money. So we said that. Yeah, you didn't really bring in that much money. We're going to fucking go over all this.

Hey, surprise, surprise. Your debt's going up. Who wondered? Oh, how'd that happen? Who would have thought? Gosh. Oh, I'm being a dick, but you guys are just, you're lying. You know nothing.

And then you manipulate the conversation, at least with your language. And then we spent $8,000 if we didn't bring it in. Uh-huh. And then he spent $1,158 on Miscellaneous Bull. Yeah. Oh, yeah. This, ladies and gentlemen, is all you do. This is your life. You do one thing very well.

Can I show you what you do incredibly well? Okay. You do one thing, this, incredibly well. You just, all these hensies, just, this is all you know. There it is. It's all gone. Bye, bye, bye. Benji, bye. Is that what you guys say every night? Bye bye, bye, bye, bye, bye.

We say good night. What's the one thing you guys have done successfully? As far as I can tell. Bye, bye, by, Benji. Bye, bye, bye, bye, by Benji. So, yeah, we cut back expanding. February, that Mottie Girl, I'm not even going to lie. It really got a lot.

I would love a non-mline for the first time in this conversation. Please. Yeah, I'm not going to say that's every month, but I'm saying February, a lot of that was that. I can't believe you for one second. Not every month. Okay. Who's the Discover it?

I think that one's me. No spending on this one either. 3,515. I have a feeling we're going to have lots of checking account spending. $3,515,028 is the balance with a minimum fee payment of 103. That's getting very scary. 14 years to pay off. It's going to be married to a 40-year-old when this is paid off.

You don't have to do that now. You don't have to call it my age or anything. You're not a You'll be middle age By the time you take care of this If you don't spend more money You guys are incapable of not spending money typically Uh

27.24% interest rate Why? Why do we have this card? What's up with this card? Which one? Is that the discover? Oh my gosh. Okay.

Okay. Don't be mean. Don't be mean. The one that we literally were just talking about right now. Well, I saw you put the paper. So I just didn't know. Remember when I asked whose card is this? and you said it was yours.

Okay. Yeah, it's mine. I opened it. I think we opened our discovers at the same time. Or did you open yours before me? I think we did it at the same time in like 20. I think there was a, um, they had like a promotion. You know what at the same time?

I think they had like a promotion. Yeah, they had a promotion of like a year or no API. That's why you'll notice all of them are the, huh? Why do we need touching flaps and touching cards? Why do we have to do all these things in Paris? Why not? I did mine so I could well obviously

I was to build no I wanted to have a higher what is it a higher limit so it looks better on my credit card so that's why I did on Discover and then I purchased that little good it's away yeah you did

yeah open that one in 2023 I think this is a 27.24% interest rate yes the amount of interest accruing in here is horrible You put more than $3,500 on here total because you've been paying out it for a second. Literally, here's an example. You take two, this is like the best promotion ever, right?

Because they want people to get onto their app. This is an example of how f***ed you are in what you're doing with your money. Literally, you're not even shredding it. You're lighting it on fire and nuking it, okay? $2,000. You take $2,000. You put it into the investing app. I use Mumu.

Boom. Immediate $150. Give it to you. It's like an 8% of return. turn, something like that. Then you get another 8.1% APY on the uninvested cash. Incredible. So you get like a 16% return. That's incredible. That's unbeatable. Nothing does that. It's because they really want new users. Woo. Exciting little thing. You're losing double that just on this balance of one card of three that we talked about so far. And then your IRS that is basically the same percentage it at least looks like

if you've gained $300. No, 10%. It would be about 10%. So with both of our Discover cards, their interest rate is really, really high on them. So one of the things I keep, yeah, so one of the things that I keep looking at because obviously what we put towards it, we're paying most of that in interest. So I've been looking at getting a personal loan that's lower percentage.

Why? It's a lower percentage so we can consolidate the debt and that way the interest isn't just even us alive. Can I whiteboard? Can I whiteboard? May I have a little whiteboard? Whiteboard me.

I'm going to have a whiteboard. Well, I'm just going to write out a whiteboard real quick. I just want lower interests on our cards. You want a lower interest. That's exciting. I got to stop spending on them to do that, huh? Oh, yeah. Okay.

So, C, C. And it's hard to write backwards. Am I doing okay? Yeah. How do you do that? That hard. There you go. Yeah.

Ah! Kind of. Perzumal. Okay. So you have your card card. you have your personal loan potentially credit card

oh shit they're max out oh what are we doing oh what do we do? Oh what do we do so we open the personal loan it all gets moved over here blah blah blah that's exciting

that's really exciting oh man we made such big progress and now it's even lower interest rate the minimum of payment it's just one minimum of payment it's really good so what happens what happens from here

what happens we shred them credit cards so we don't spend any more money home though. No, that's not what happens. Because you spend $8,000 when you make $2,000. And he spent literally on, how will we go through the documents

and we find out? Okay. You spent $2,000 on minimum, which is what you bring in. So, yeah, based on your history, this goes all the way back up again. Then you have double the debt. That's double the debt. Do you know that two of these bars is more than one?

So that's double the debt. I think her Discover card is the only card that's active right now. All of the other cards are inactive. And that is from... They haven't even been activated. You mean activated. Like the card itself, the physical card. I don't use it.

That takes two seconds. That doesn't give me any comfort. I don't even know where they are. But you see that we haven't spent on, I haven't spent on my discovery. This stack is so fucking thick. Wait. Okay. You seriously are not going to get out of this by saying, oh, wait, if you only look at a quarter of my finances, I'm doing okay.

Sure. Same with everyone else on the show. Such a messy guy. And I'll gift you an account. accounting certification from course careers. If that's what's going to help. Anything. Actually, no, we should actually gift you a true certification.

So that, because you didn't go to college. So if we get you into a different career path, you just let us know which one and we'll gift it. I was being cheeky at first, but I mean that. Okay, quicks over. I saw where you help somebody with their resume. I don't know. Well, maybe we'll talk about that. We'll see if that comes up.

quicksover, $2,013.60 with a $69 minimum payment. Okay. That one's going to be mine. No purchases on here, which means I am very excited to see where all these purchases are coming from. Because all the math on these spreadsheets and everything, all these math, well, on the first card of card, come on. But all this math, it was done by somebody else because I like to go in blind with the audience and discover together. which means all that math is in here we're going to find out 12 years to be off

49 dollars of interest so what's up with this why do we have this it was Walmart actually it was a Walmart card to begin yeah that was the Walmart card to begin with it's the place to go in Mobile oh yeah so we did it to get the cashback and then we did not pay

the money back towards the card like we were supposed to so that's from like Shock. Two years ago, I think all that debt. Two years ago? Yep. No.

What? I wasn't using it last year. What? Maybe that's fine. What? Okay. I thought that it wasn't from two years ago that we used it like a year ago. Because it was my Walmart card that we were using that I'm thinking of, not hers.

Oh, so one that we will get to. Yeah. Or have we talking about it? No. They don't say Walmart. They now say. Who's the savior card? That is me.

Saber cards, sorry. No, that one I think is me. That one's mine. 889.29.29 with the minimum monthly payment of $29. These minimum monthly payments already. Let's just even just see where we're at. We're at. And we still have so much to go through it.

Yeah. We're already at 25% of the income that's coming in. 25%. Okay. Why is there a big balance on this card? I think it was just a bunch of miscellaneous. first opened and then I just looked at it. I had Xbox, Xbox Live Microsoft on there. And you bought on Xbox. On that card? That's what I'm being told. Possibly. Yeah. And then we did cancel Xbox Live

and everything. I will say that. Yeah, but I didn't realize that they were still being paid for on that card. So there's how long. Probably like six, seven months. When did you cancel it? Um, when I deactivated my card. So I don't know, like maybe like four months ago. Okay. Did you guys play much anymore? I bought it for her, but it just flexed us. I had two jobs, so I couldn't do it. I couldn't play. 28.99% interest.

Interest is brutal. The interest is killing us on most of them cars. That's one of the reasons I'm looking at personal loan. Which only works if you change your behavior. You'll shred it, but you can read. You can just order it. We don't want to. You don't listen, listen.

And I really appreciate that. and I do kind of believe that to a certain extent. I do kind of believe that. But the thing is, what happens when a lot of people get fire under the butt, whether it's getting on a diet, whether it's working out, whether it's changes their finances, whatever it could be. Maybe it's going on a reading marathon. You get a fire on a month, two months, three months, four months.

It's so natural to fall back in old ways. I'm not saying you can never escape this, but you are putting yourself in a dangerous position. If you were putting this all on a personal loan, then all of a sudden you have the ability. to then spend more on credit cards or open a new card. I'm just saying we can do that. We can do that, but we prove,

we prove that we have changed our behavior first for at least a few months. And you spend $8,000, you made $2,000. This is not the time. We do it when we prove it. And you have not come close to proving it. You've actually only proved the complete opposite by a very wide margin. Yeah? So that makes sense.

Well, that's all we got the simpler Does that make sense? Yeah Okay Saver Your saver I'm gonna go with yeah 807

Ooh we're just accumulating credit cards aren't we It's like a little collectibles I actually I'm just gonna go with It's BS Probably Yeah

Huh? What? On the saver Really? It's just fucking around Yeah We would just spin to spin I'm being told there was an iPad and a camera.

Oh, yeah. Oh, that's what that went on. How do they know what you don't? Man, because that was a year or two ago. An iPad and a camera. Yeah, that was like a year or two ago that I would have done that. Yeah, because it was for my birthday. Yeah, that was a while ago that I spent the money.

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Like, how do we know these things? Because we told them. We knew then. We're under the spot light now. So it just kind of. Okay. I want to make sure we're not like in everyone's computer in the United States somehow. Like.

No, I just try not to look at them at some point. Just pay that minimum. So I don't spend more money on them. Five years to pay off. 30%. interest, right? Yep, yep, yep. Okay, another quick silver card. Another quick silver card? That one's going to be the Walmart. So this is the one you were spending on until recently? Yeah. Because you did stop. Yes. But only the minimum of the payments would be made on all these. Nothing has more than that.

86921 is the bounce of the $28 minimum monthly payment. We've paid everything on time always. This is going to be the first month that we're... We're in right now. Yeah. That is scary. This is the first time. Like, you can check. We don't miss payments.

Why did you leave the good job? Because it wasn't making any money. They declined. Oh, that's right. It was declining. So how quickly did it decline? Over, over what period? Like, a year.

No. Like, it would. Okay, it was completely different answers. Well, it would slow down and then we would pick up. But it took like a year for it to finally get to a point of us. Or it was consistently slow. It wasn't like a seasonal slow. Yeah.

Why are you? Okay. And then like. See, that's where the crappy job comes in play is I'm supposed to get paid tomorrow. I'm supposed to be getting like a $1,500 paycheck. But the question is, am I going to get the $1,500? That's insane. And that's where the problem is right now.

And that's been happening the whole time. Yeah. And you go talk to them. What happens? I do. What happens, though? So I'm at a type of job. If you come to them and you ask them about money, they're running off.

They're screaming at you. The deal hasn't been funded. You can't get your money until the deal's funded. The lawyers will call up there for customers that they've sold cars. to. I have been pushing, pushing, pushing for her to get out. And I know it's hard. But I like, I put my trust, you know what I mean?

It's just going somewhere else as far as sales. A lot of them you have to have experience with. And that's what she wants to stick to. Yeah. And I support it. It's just, it's just scary. You support it, but talk about leaving me if I'm not

bringing in more money at the other hand. So I'm just like. The last card was only What do you Nothing I took If I don't leave that job If you don't leave the job You go there for 60 hours

Six days a week and they don't pay you I told you that we have to figure something out That's all that I said I'm applying to second jobs Like I'm trying to do this and that Like I'm not going to leave you I fully support No keep going

No I just This is the moment say the real thing And I have a hundred times I support whatever you do. We were just in the kitchen another day, and you were talking about if you don't get another job, I was thinking about I'm going to have to leave you because you're not going to leave this job. And I was like, look, you think I'm not doing anything about this job. But I'm talking about my manager.

I'm trying to apply to these other jobs. Like, no, you've came down on me about that job. And I know I'm in a spot. I work 60 hours. I work six days of week. You think I don't know? You think I don't know. I sold 30 cars and I haven't got paid for 10?

You think I haven't confronted my manager about it? I never said you didn't. Like, that's, I... No, you tell me I'll put up with their crap. You tell me that I just sit there and put up with it. That I haven't said anything to my manager. I never said you haven't said anything. I just said that you're putting up with them.

They're screwing us. They're eating our bank account. We're not going to have a home. I get that, but it's taken two months. As simple as that, it's scary. I'm scared. I got two good paychecks and I thought, man, this job actually is going to turn around. It's going to be a good job.

And my judgment is crap. My judgment is crap. It has always been crap. And I thought it was going to be all right, but no, that place is bad. It's shady, but I'm trying to make a difference, but a difference takes time. I get that. And that's what I'm saying. I support what you're doing, but I, I don't know.

Quick Silver? Savor. Sorry about that. No, I think it's important. I think it's important to go, because this is what happens. It's so hard. We have an hour and a half-ish, something like that. That's usually what conversations are these days.

I don't have. full insight into a situation. It's hard for me to... That's why it goes so hard. That's why I dig so deep. That's why I really try to pry from people because I don't get everything. But having you guys...

And then people come in the camera. They're nervous about being in front of the cameras. Maybe they try to look good. Maybe they kind of flop around a little. You know, you never really know. But that was a real moment. It's hitting you deep. I can see.

Which is normal and good. Totally okay. There's tissues right there if you want them, by the way. But I feel like that. was like the first like insightful thing that I mean I saw deflection throughout the conversation I thought that. That's what I thought then. That's not what I think now and I don't fully believe that because that's not whatever. Here we have a conversation that you guys actively continue to have. But it feels like it also just doesn't go anywhere. I see I see you trying to do something.

But obviously you're in a position of struggling at that job because they're f***ed. but you haven't fully left it. You haven't done what you need to do to leave it. But it's not just that. I've only been there for three months. I see you over there putting her in a position where almost like it's all her fault. You're putting it on her. I have it.

That's why I just, I haven't. I have messages on my phone where I'm telling her, I trust you. I'm telling her, I trust you. I trust your judgment. I trust that you're going to get us through this. I trust you're going to make all of the right decisions. I have those messages. I do trust her.

I don't. And if I did say that I was going to leave, it's because it felt like you haven't cared about what's happening with our money. I'm not. I support you. I've been there. I go every day before work to go apply for another job. I go every day.

I have to go in at nine in the morning. It's not very early. It's not. But you know what I do at 7 o'clock in the morning? I go to these other places before they're even open. And I sit there and I wait. for the person I need to to get there. And then right after I end up interviewing with them, because I don't have the experience,

I don't get calls back. You know how many places I've been to? And I never took that. But I never took that from you. I never once took that from you. I told you I'm proud of you. I said you think I don't care about our money. How do you think I don't care about our money, but I'm trying so hard to make a difference?

This is why I feel like you have a little bit of manipulation sometimes. Right. Come on. You're trying to look good. Here's another fact. A reality of the situation. And you're putting on a different show than the conversations you guys have there. You tried to, I saw a manipulation conversation, and it may have worked on some of the members of the audience, making you look good.

Maybe they saw through it like I did. But here's the thing. You're saying right now how much you trust her. That's what she's saying, right? She's saying that right here. She specifically talked to Lindsay and told her, I no longer have trust in her, is what she said to Lindsay, the producer. She said that. Her words.

And it's just it's my dream to go into sales. It's always, man, I knew it was going to be hard to start. It's hard to start anything. When you started the show, were you scared. I'm sure you were at a moment where you're like, man, I don't know if I'm going to be able to make it. But then at some point in your life, it takes a turning point. When you start a job and you're making $15 an hour, you're like, man, I don't know how I'm going to pay my bills. But you get them raises and things get better.

It's just you have to see the light at the end of the tunnel. You have to believe that I am going to go to a good dealership. and I do care because if I didn't care, I wouldn't be applying to these jobs. I get it. I wouldn't be taking all these drug tests and going to every different job I possibly could if I didn't care. No, no, I've drove you to some of them. We've spent days just going to different places. Then don't say that you feel like I don't care because why would somebody that doesn't care do all of this?

Why would they not only spend 60 hours a day, six days a week working, but then turn around and do more work by applying to these jobs at nighttime, going in for interviews. in the morning time. Like, I, we've been to an hour away from where we live just for me to apply to different jobs. Like, I care. I care with all my heart. I, I've always been good with money until recently. And I never, I've never taken that.

I know that. That's literally what I said. Like, I didn't, you know. That's not what you said to the producers who said you've lost trust. I don't trust the words you say. Okay. Nothing. I mean, I, I did lose trust.

I lose loss. trust that I don't know. It's just, I don't know. I just, I'm scared that we're not going to make payments. Oh, now it's about you being scared. That's what I said. This is what I said that I felt like I couldn't trust that she was going to make sure shit was getting done. That's what I said, because this is the first time that we haven't had money in our account. We normally have money sitting in savings, you know what I mean? Like, it's just we don't. We started eating in savings. We still have 200 sitting up, but we did have four. You know what I mean?

You bought a $500 dress. Yeah. And she bought a $300 tux. I mean, I don't understand like. I don't know you guys both admitted that you're the spender. Mm-hmm. I guess it boils down to me. But you put all the weight on her?

I'm not saying that. I'm not putting weight on her. I'm not putting, I tried for a second job. She told me not to get one. I had a second job lined up. I had a second job that told me I could come in and it was five feet across from the job that I'm currently at. I did not tell you not to get it. Absolutely not.

No, I said, we need to get it. to figure something out about the animals. That's what I said. We need to figure out some way we can take care of the animals because we have four dogs. They have to be let out during the day. I said, look, if you're getting this other job, what I'm going to have to do is leave my job for a little bit and go take care of the animals. And then it was, yeah, I guess I really can't do this.

And it was, I did not tell you we cannot get a second job. That is a complete lie. Now, before that. Why wouldn't you like the conversation again? How am I? I don't know. No, you just, again, she just said that's not what happened. Before that.

But why is everything she says right? But I can't say right. Because I'm a manipulator. Because I saw you use manipulation language on me. Okay. She hasn't. If I didn't see that previously, I wouldn't be thinking so. Okay.

And then you just do that. That's like a brat move. What is that? A brat move? Huh. I mean, I don't know. I'm the manipulator. I'm the spender.

I put everything on her. Then we can leave it at that. Like, it's not. It's not that, though. It goes deeper than that. I'm sorry, Nicole. I'm sorry, Nicole. She was right.

She was right to infantilize herself. Now, there was a time, there was a time when I did say you don't get the second job. So I ended up getting the second job. But that was specifically because this job has promised her management, the job that she's at. That's one of the reasons she won't leave one and two, because she will not make that money anywhere else. So I told her, do not get a second job because they keep promising management, go ahead and apply to a manager job. or else and tell that job that you're leaving, that way they will be scared and go ahead and give you the management job or you're going to get the management job anyways.

That's the only time I ever told you do not get the second job because I wanted you to get a better career because that's the job you want to be in. You want to be a cook. Go ahead and, you know, get the maximum amount of money that you possibly can. That's the only time I said don't get the second job. Are you guys ever going to actually have like a real conversation? where I don't know we can't even agree on the reality of the conversation

and then you just shut down and you just don't say anything but then when you do talk you I don't know just the language you use it doesn't seem right just it feels manipulative but maybe it's not maybe it's not

maybe I heard it wrong yeah I mean there are lots of job openings in Mobile but they are all pretty on the entry level, nothing huge side, lots of just like Walmart stock, you know, stocking the shelves. I've applied for all of those. Then your resumes probably. Okay. Do you ever get interviews? No, I don't even get calls back. And when we, when I do get an interview, I'll go in. Why are these are listed at like $20 an hour?

When I do get it, call back, I'll go in for an interview. You told me earlier that. That's a lie. No, you'll go into a job and you're not actually getting paid $20 an hour. She got this one job. The postings a lot. Listen, she got this one job, for example, and they were talking about you're supposed to make what, $16 an hour she got there. And they were like, it's actually $11 an hour. And you might get some tips.

I'd walk up and just leave in that situation. Do you get the interviews, though? Oh, I've gotten a few. Maybe you're not good in interviewing. Well, when I go in, they'll say that that position's not actually open. Do you want to work like in the deli area or do you want to work in the bakery area? And then sometimes the interviewer is not even there. These might be those perma job openings.

Oh, everywhere you go says that they're. hiring and the signs have been out for two years. Honestly, the reality is you might have to utilize your five-year experience, really boost up your resume and just make it the best you can and just try to look for like just an in-office like bullshit job. I just need something. No, no, no, no, I'm saying I think you need to get away from big box or restaurant because I don't think that's the career path that's going to work in Mobile very well. I think we just need to get you into any kind of office, even if it's just like entering numbers into just like some, like the most bull-job, even if you start a little lower now, I just need you to start getting some experience.

If we're going to stay in Mobile, I think we just need to get some experience outside of the rest of my industry. And what I'm saying is a lot easier than, easier said than done. Don't get me wrong. But Amazon warehouse staff 19 an hour. I really don't think they're probably lying about. No, they're not. I have applied to all of these things.

Like if I pull up Walmart, that's why I asked if you, if we could. We can potentially take a look, maybe in the post show. Wow. Babysitter needed. Windy, 27 an hour. Okay, okay. I just wanted to look and see. By the way, I mean, I was told on that past quicks over here, a lot of us is vaping and cigarettes.

That's what I'm being told. Well, no more cigarettes, but vaping. Well, when did you put cigarettes? Like a few weeks ago. Oh, well, thank you for not smell in my studio. But please continue that just for your health. Well, vaping, though, we're still vaping. Did you both smoke cigarettes?

Okay, vaping. Do we both vape? I'm hoping this is my last one. Will I change my ways? Lord can only hope. I can only make a change. That's what I'd say. Oh, and a lot of booze.

$30 bottle every two days. I don't know what that equals. but what is that a quarter of a bottle of wine A bottle of Bacardi What's Bacardi? Rum I mean rum Yeah

Bottle every two days And then a lot I was yeah You were once I was in a Not a good spot And I was drinking a lot Are you in a good spot?

I haven't drank That's good for how long I'd say a few weeks now Okay so everything's a few weeks Listen I am very proud of that Just get a little nervous when I just hear a couple weeks, but, you know, I just like, it's easier to fall back and do than if you're a few months, right?

But, I mean, good, good. You took the first step. That's the big thing. And I'm very proud of that. And just really keep it, really keep it going. Really keep that going. Okay. Quicks over one.

What's up with this one? We're at $184. $52 with the $25 minimum fee payment, $4.37. Interest is accruing. Like, we, in a normal situation, we should be able to pay this often. A few months ago, you could have. paid this off because you were making what were you making in December

your last month of that job what was your take home on a monthly basis that one before you left that job I'd say she were cooking and serving so I'd say she'd bring home like 45 like a month when it was at the low I mean not 45 25 25

20 to 30 but even so that put you guys that put you guys still just above the media household and there's a lot of drama at where we work too that was another it's a restaurant industry we've got servers and cooks there was yeah um HR this they kept trying to keep me inside the kitchen too and that's only two thousand dollars a month if I stay in the kitchen plus your hours get cut depending on how busy or slow is you both do in 2000 gets you at the median house I've seen it as an opportunity for me to go into a career that I actually wanted to go into and because I knew I would be good at car sales I just didn't realize how much of a job I was getting into or

business whatever dealership I don't even know how to like you didn't sign a good did you sign a contract? I so verbal contract

that's the thing that's what's what screwed me over was our manager actually knew a guy that worked over there so he's the one that interviewed me and he said well you're going to go over there to this dealership instead

so me and him talked and then I went to the other dealership to make sure that everything was still cool and he was like yeah yeah everything's still cool but obviously it was a lie. I don't even get to know the prices of cars. They literally tell me, do not tell people the prices of the cars.

So I don't know what they bought them for. I don't know what they're selling for. It's a shady business. Yeah, that sounds like it. I'd run. Okay, $840.55 owed on an Amazon card. Maybe we should work there instead. $29 minimum fee payment,

four years to pay it off. Here's purchases. So instead of getting money from them, we gave them. Plus interest is accruing. Shocker, it's Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Who has the Amazon account? Ooh, that's going to be me.

You want to look at my thing? I want to look at your thing. I know I was just told how to do this. This can't be all the orders. I had more orders on this alone than it's showing up here. All I can think is... Do you have Amazon? No, that's all that that is.

And I don't know what a lot of those things are. So actually, if I froze my account, I do believe... Well, what the fuck is happening? I said three orders, but there's one. I have no idea. 5, 6, 7. What's it? Well, either way, it's like some

clothing straps and height increase in soles. Come on. What are we doing? I'm sure. And cool, congratulations. Embrace it. Fern and Woman's Shawl wraps. Oh, wait, here's some by agains.

Okay. Some weird lifestyle thing. The world's smallest lighter. Great. That's great. Black cat hiding. thing, wonderful. A Japanese little,

ooh, I'm getting changed behind this thing. Well, that's what she said. None of these, except for maybe the fiduciates, none of these are necessary. It's all bullshit when we're dying. Those are such old purchases. Well, I don't, okay, fine. Well, then your purchases within the last,

like, I don't get how I'm seeing, did you go into a whole foods and buy stuff? Oh, no, I don't use that card anywhere. What are the, what are the prices? because it might be like a movie. I know. Oh, well, I guess it could be. Yeah.

Yeah. So you're renting a lot of movies on prime? We'll buy some here and there. You don't have money. Loz? How many cars do you guys need? Yeah, that one we opened because you get 10% off whatever it is that you purchased. And we moved into the house.

We needed a washer dryer and lawnmower and some fencing for the dogs. $41. minimum payment, $703.52. Interest, $16.28. Please, no more debt, at 31%. Mm-hmm. Is this a loan? Yes, that was...

What the fuck is the best egg? So, best egg, we got it out because we owned a camper originally that we lived in. Oh, well, you still do, basically. Yeah, yeah. Yeah, my mom pulled out a personal loan for us, so we pulled that one out to pay her off. Oh, why did she pull out a personal loan? Because I didn't have credit at the time. Yeah, for what, though?

For the trailer? Oh, for the trailer? For the camper that we bought. Oh, guys, where's the camper? We used it to put down for the house we got. Well, we made more putting it using it as a... So essentially this personal loan is for your current house. It's how that math works out in the end.

Sure. Yeah. Yes. $15,705. $63. It's an insane loan for you guys to have. $5007. 76 cents on a monthly basis.

I don't know how the fuck you can afford that. You can't. You can't. You can't. You can't. I wouldn't have quit your job. I understand the career thing, but you were making 40. No, you're making about 3,000 hours a month.

Like, is it great? No, but what's the interest rate on this? 17%? Oh. It's better than 28%. Sure. It's better than 50%. It's better than 109%.

What? Okay. I just mean for a credit card or something like that. Yeah, let's put her house on a credit card Does that make sense? Okay What? This is so fucking stupid

So your mom took out the person alone for you? Ken, when did you take this out and pay her back? Pay her back. In 23? What did you get for the trailer when you sold it? We used it as like a trade-in more or less. So we got like... Oh, because you have a trailer.

So I think it took like... All is the trade-in worth? I think like $5,000 maybe. Oh. This is a $15,000 alone. Yeah, the trailer we bought, the dude that sold it to us, he hid everything that was wrong with it. So he would point out... How many mechanics did you take it to?

We didn't. We had a warranty. No, that thing was falling apart. No, it was falling apart. He showed us the stuff that was wrong with it. Why would you not take it to a fucking mechanic? We bought it from a per... It's a trailer.

Yeah. It's a camper, not a driving camper. It's a camper that sits. It's a fifth wheel camper. It's not a driving RV. Okay, I get it. I'd still try to get it like inspected, whatever that version is. It's like a home inspection.

I know, I get it. But it doesn't work like, you know what I mean? Everybody lives in campers and trailers and trailers. And everyone lives in campers and trailers. What are you talking about? In Mobile. Everybody, I mean, almost everybody, not everybody, obviously. The fuck is Mobile.

This is a crazy place. Red neck. It's straight red neck. But listen, there's something for everything. Like, I bet if I get it. Googled, I could find someone who was willing to come inspect the camper before I buy it. It was just, we didn't have, like we got the camper. Like I said, he showed us everything that was wrong with it and hit the things that weren't.

But like the second day in, the AC went out. And then like we found out the side wouldn't go. Wait, so how much did you buy the camper for? 11. How much did you have to put into repairs? We didn't repair anything. We would get like. Why is this at 15?

What? If the camper was 11,000, why is this at 15,000? Because we paid off some of our credit cards, but the extra. And how to work that time? Some of the credits. Should we do it again? Should we do it again? Should we do it again?

Should we do it again? Should we do it again? I don't think so. Obviously you've proven that... Obviously, you've proven that you're incapable of actually doing it. Okay? Utilizing it correctly. Oh my, there is still more debt.

This is fucking insane. This is insane. What are we on? 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13. What the fuck is the pin air? Car. That's our car. Oh, it's infinity?

Yeah. QX 60. Mm-hmm. Four-wheel drive. 18,000. So I had a Nissan and they checked on. You rolled it over? They rolled it over.

Yeah. Her car started breaking down and we bought the car. As cars do. We bought the car. We bought the car. Maybe have an emergency fund. Wait. Wait.

No, that's your checking account that has that. What is the minimum of payment on this thing? 382. 480. Why did I only have $300? We pay $500 a month. We pay extra. You pay $20 extra.

What's the interest rate on this? 4.9. But see, when we bought the car, it was when cars got, were the most expensive when, like, when they were, like, extremely expensive, whatever. What was wrong with your car? It just, it wouldn't start. It was at, so, oh, no, no, no, it has a CVT. And what you're supposed to do every 30,000 miles is you're supposed to change the transmission.

fluid. So what ended up happening is I went to AutoZone and I asked them what kind of transmission fluid I need it for it. They gave me the wrong kind. So I put that in. And next thing I know, it just started driving really bad. And then it stopped. Yeah. And that's expensive. It's expensive. It's not $20,000. No, but then there was something, uh, we, we paid like 1,700 for them to fix something on the car, um, but they didn't fix it. I mean, the car was only $7,000. And it didn't fix it. The car turned off when we left. Like it stopped driving. while we were driving. So we went to get the new car.

The new car that we got, he told us when we bought it, that it was a 2018. But when we were signing papers, we found out it was a 2015. Like, we just, we got gyps. And why did you continue signing?

I don't know why we did. We just, we, that seems to be a common answer throughout the entire conversation. Some of that is going to be the gap insurance. We got theft insurance because it's mobile.

Well, it's worth somewhere around $12,000. Yeah. EO. 19. But again, that is like... Interest rate? 4.9. Surprising bright spot in this entire conversation. We have...

That's when our credit was good. It was really good. Now we have good credits. I'm at a 704 and I don't know what you're at. Not good. This is also a checking account. 769 in there. Savings, 318.

Okay. Oh, baby. Here we go. Let's see how we got those numbers. to begin with. It doesn't count if it's all in a checking account, right? Because it's not our credit cards. That's what you were bragging about the entire conversation.

I wasn't spending on my credit cards. So this is fake money because it's not our credit card. Great. Papa John's cash app out. Winning got some bull-shund. Burlington, going to fucking Burlington. Going to getting some bull-go-in and getting some bullshit. Spencer's gifts.

I'm sure you guys already have enough. We don't need more. Oh, package store, Taco Bell. Go in and getting some bullshit. Marshall's Lash and Brow Spah, $40. Package store, the fuck is the package store. Why am I seeing so many package store? Liquor.

Licker. Go inside, get it's a bullshit. Go inside, get it's a bullshit. Go inside. It's a bullshit. McDonald's. Liquor. Pizza.

Hammered cow. Sushi. I think I'm going to get sushi later. I'm in a sushi mood. Season finale of Severance tonight. I'm very excited. Incredibly excited. Oh, my gosh.

What a show. What an incredible show. It'll be better than Succession if they finish the show perfectly. And I want some sushi with it. Oh my gosh. But then you guys went in and got some bull. Went and got some Bullshit. Dairy Queen.

Maybe I want some Dairy Queen with my succession. Nope. Severn's. I was on a work trip. A work trip? Where are you going? I opened up. I'm a team lead and I'm the trainer.

They have a second location? We have. Transfer to a better location. 30 something. There's nowhere. I. I, it's not in Mobile. It's in Orange Beach.

Move. Move. I did try. It's just they don't have places open, positions open. I opened up a store in Lafayette. Derrick Queen, coffee, Netflix, going and get into a bullshit. Dairy Queen. Canadawood sweets.

I, like, I'm going to let you run a little secret. It's a little secret that my family did when we wanted to do little cheap trips. This is what we did. I don't know if you know this, but you went to a different city, right? Mm-hmm. Sonny. If I'm not mistaken, the city probably has a fucking grocery store. Jet coffee, Disney Plus, Apple Bill, Smoke Shop, Dairy Queen. In the lobby of the hotel, got swiping little swipe, swipe, swipe, Apple Bill, Apple Bill, going to say it's a

for Dairy Queen, cash app. Also, don't fucking do that ever again unless they're reimbursing all this. They did. That's what she said. How much of they reimbursed? I got $25 a day. Girl, you spent $25 a second. Oh, my. For food, I got reed. Yeah.

I mean. But you got food every time you took a step. I got food every day. Yeah, nine meals. Oh my gosh. Apple Bill going and got side getting into the dairy queen. You went to Dairy Queen every five seconds. Okay.

No, this is serious. I'm going through a couple of fucking days here at a time. Like, this is like the one day for five reeds that I'm doing. Cash wrapping out. Superior Grill. Getting some bullshit. Coffee. Bullshit.

Feast buffet. Apple bill. Apple bill. Going to get it to a bull. Going to get it to bullshit. Apple bill. What the fucker we do? $40.

$40 on that. No, it was $3. Licker. McDonald's. Getting some bullshit. Oh, guys. Oh, guys. Asian Express.

Putting on the Ritz. Putting on the Ritz. Asian Express. $548? No, that should be the dress. Putting on the Ritz. Oh my fuck. Yeah, the line's weird.

Going to get into a bullshit. McDonald's, vapor smoke shop, get into bullshit, get into bullshit. Get into bullshit. Apple Pills, simply seafood. Going in and getting some BS. Aztex cantana. Aztec food, that's what I'd get in Alabama.

Okay. Catch up and out. Quick stops. Going to get in some. BS going and getting some BS. Pizzeria. B.S. Cash type out. Beauty supply. You guys stop at the gas station every second of your lives. We're obsessed. We're obsessed. If you don't stop at a gas station, you're like, fucking burn or something. I don't know. Popfit. BS. Papa Johns. Braw. Spaw. It is a fat stack for sure. That is not a good thing. Okay, so $2,000, we'll call. Maybe $4,000 comes in.

Let's just say. Let's just say that. This is be generous. Let's say, assume you get paid. Just get your total debt. Oh, wait. Do you, you, but what about the land and stuff? Do I have that?

The mortgage. It's, it's $9.75. Yeah, what's the balance? I don't know what the balance is. Oh, fucking, come on. $95,000. Interest? It is, I don't even remember.

What the fuck? We don't even know the interest or not your damn thing. I don't need to know down to the point, but you'd think you'd know pretty darn close. Come on. It's such a process to get to it. You don't even know what it near is, what it's near? Okay, you keep looking, answer me, utilities.

How much on a monthly basis? I don't know, power is normally 180. We talked about all this, didn't we? 180, 15 for water, and 40 for trash, and 80 for internet. Okay, utilities, 315. Gas, room, room, drive, drive. Both of you combined? Combined?

Yes. Car insurances? 215. Combined. Phone bill? 180. Why? We bought, so her phone, yes, financed.

Her phone broke. So we went to give. get a new one. It was only 130, but T-Mobile kept adding... T-Mobile. You do T-Mobile. We're under my mom. We're not on our own. If T-Mobile is good there when you're done, when it's

paid off, switched to... We... I don't know... I don't know why we didn't switch to Xfinity or whatever. Whatever. Helium is T-Mobile's tower. So if T-Mobile's good where you are, do that. It is... $15 a month. 8.84% stuff. It's not great. It's really not great.

Mortgage rates around like 6%. Okay. T. P. Fun. I can do like $150. bucks, anything else you need to survive. Got to make it a little lower. We probably don't even spend that. Listen, I saw you're spending. I know what you got to do.

This is the fucking beauty stuff. This is total of paper. This is everything. Make up whatever. $600 for necessary food. Use the cookbook. The cookbook we made the budget friend of cookbook. You get it with the budget and an app.

Medical health care. Any outgoing expense on a monthly basis. Pets. Monthly basis. Oh, $2.50. I'm not even going to put in pet insurance. Unfortunately, we should. but anything else that needs to be in your budget that I'm not taking an account for.

I don't think so. Think hard. No. While I do some math. So even if you make $4,000 a month, you're under by $515. And we make a little over $5,000 a month, really, because she brings in over $2,000 and I brought in $3,000. Sometimes, though, but you don't know if you get paid. If you do make $5,000 a month, you have an extra, like, $485.

We normally have money sitting in our, that's what, never. We normally do have money sitting in our savings and we just don't, we're not even in savings in our account. There wasn't much. It's not much, no, but it's more than what most people have. Same with that, though. I don't think that's true. I don't think, okay. Okay, so we'll call it 484 left on a monthly basis with a very strict budgeting.

I mean, guys, I even have the balance of the mortgage on my bad debt. bad debt, not even including the market, which isn't great because some of it's wrapped up in that depreciating asset, but the land is good. I just don't know what the land is worth. What's the land alone worth? 25,000. I don't know. Why the fuck would that guy buy it more for more than that? Because he doesn't want the trailer. Yeah, he's about to build a house right next to us in the land he has. One, he rents out houses and two, because he has a cow farm and there's a lake right behind us. Yeah, but he doesn't want the trailer. Yeah, he would rent it out.

He owns, yeah, he rents out like a trailer park. Okay, well, it takes 109 months to pay off currently. Or nine years. Yeah, it's solid. If you can get it for the price, that's solid. Get rid of that 8% debt where most of us depreciating anyway. That gets rid of a minimum payment. You're going to replace that with rent in a different city.

Let's move. We need to move with our better career opportunities. I'm sorry that is a part of capitalism. No town is entitled to have you. Fuck them. They have a bad economy. you leave, you start a life somewhere else, you can drive within a easily, you know,

within a day there and back if you really want to, it would be a very long day from Georgia, you know? And maybe we do that, because that is a boom in town right now. And maybe we do that. Rent's going to be higher, but you also are going to get a better paying job. You, I don't know what your resume looks like. Let's look at it in the post show, but like you can get a better paying job. You can get a better brain job.

We'll get you guys course career certification, but you have to do that. Personal loan, I'm okay with that. Only if you prove for three months that you are fully filing my tight budget. Even still, honestly, with how long it takes the pay off the debt, I'd almost be okay with bankruptcy too. I don't necessarily want you to do that.

No, and let's not do it. That's fine. Okay. But I'm only allowing that extra stuff if you follow my budget for three months. Sell it. If he takes 95,000 hours, I'd be impressed. I don't know if he's going to get the return on investment he's open for,

because if he rents it, he wants a return on investment. I don't know if he's going to get it with that $95,000. He likes to flaunt his money and he likes this a lot. Yeah, but people that flaunt money usually do pretty okay money decision. Well, not really. No, no, no. He probably, well, how does he flaunts it though?

He sounds like a successful. He spends thousands of dollars at the casino. Maybe he'll be a dumb. It's an overspin. And because he likes two little lesbians, I mean, it definitely works out. Okay. Well, I hope that works. Then you go make more money.

You live on a tight budget. in an up-income town where there is opportunities to be made and we're able to pay off for debt. If we can get this paid off for five years, I'd be happy. Let's do that. Let's grind down. You won't even be 30 yet. You'll be 30. That's fine.

I'm 30. It's okay. I still feel young, kind of, maybe a little. I don't know. We'll see. But listen, if I started my debt payoff journey five years ago and it was going to be done in one year, that'd be okay. Or four years ago and it would be done in one year, that's okay.

That's okay. You guys have a long future ahead of you. Let's make it actually proper. And with also being able to be able to be done. have mature conversations. That's the part I'm a little nervous. I'm a little nervous of how sometimes we operate. There is a maturity level that needs to be kind of brought up to speed. And that's something you guys are going to have to work out of like a therapist or something. Spending within a budget, you ever spend dramatically soon as zero to ten. Debt, you have IRS debt.

That's crazy. Zero, ten. Yeah, we're going to have to get on that payment as soon as we can improve our income situation. That was so long ago now that I almost forgot about it. It's like an hour 40 minutes ago. Emergency Fund. I'll give you one out of ten. It's barely anything. It's being generous retirement. Is there anything? Yeah, that's horrible. Zero out of ten losing the best decade of your life for compound growth. Real estate, you have land. But we have depreciating asset. This is not a great real estate thing. I'll give you three out of ten. It's not a good position to be in necessarily. We'll see. Round it up. Hammer Financial Score one out of ten. Guys, join us in the post show. It's always great. We're one of the largest memberships on the

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That's so what I do the cleaning? I clean. I do either if you want to be there. Is that how you really feel? Did you just hear that? Straight words from out of her mouth. To watch the financial audit post show, click the join button below.