Financial Audit - Financial Audit’s Most Evil Guest

Episode Date: March 24, 2025

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USAA knows dynamic duos can save the day, like superheroes and sidekicks or auto and home insurance. With USAA, you can bundle your auto and home and save up to 10%. Tap the banner to learn more and get a quote at usa.com slash bundle. Restrictions apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Do you have no self-control? Not really. So why have you not worked on this?

Because I don't care. How do you get out of a hole when he has that mindset? I have no idea. I mean, it's my money. Not our money, my money. It is my money. I pay for her house. I pay for her groceries. It's a little hurtful when he says stuff like that.

I don't like talking about. He's the problem. She doesn't hurt my feelings. She just thinks she hurts my feeling. I kind of feel like I've given up a little bit because I don't know if you. Download my new simpler budget app today and take control of your money once and for all. Hi, my name is Tessa and I am 26. Hi, my name is Wesley and I'm 28 and we live in Colleen, Texas.

And this is financial audit. Fucking time. Colleen, man. If I have someone from Colleen, I know it's going to be a wild episode. This is something about Colleen. There's like a chemical leak there. It's just like, probably. Yeah.

Everyone. All right. Well, let's start with you, Tessa. You're in front of me. So what do you do for a living? I work at a small animal shelter. I'm an animal control officer, but I mainly work at the shelter. Okay.

What are you making? I think I make, I know what I bring in. I don't know what I make hourly. I think it's 18. 14. I've seen comments recently. Like, how does someone come on to financial audit and not know what they make? Honestly, I'm also confused and concerned at that. How do you not know what you make hourly so that when you have a conversation about getting raised to an hourly wage?

You know like what you're getting paid versus what you're going to get paid? Like, how do we not know? Because I don't really think about the hourly because, I mean, I know I get a raise every year and it's a 3% raise. But I don't look at it. Well, that's more of like a cost of living race. That's not really. It's not like an actual beneficial race. Do you know how many hours a week you work?

Yes, I work 40 hours. Okay. So wouldn't it be important then to know? I mean, I know what my paycheck is. I mean, he's obviously a green out of the gate like, oh, yeah, she should know. What do you think? I don't know. What is your perception of this?

I think she should know how much hourly she should make. Yeah. She should be also trying to increase her hourly for what she does. Is she not? No. There's not really anything I can do. Like there's no way to move up other than take my supervisor's job because there's only three of us at my job. Or move to a different place.

Yeah, it's just really, yeah. I've been looking. That's just kind of hard. What's looking? I just kind of browse and see what other places are hiring and what the benefits are because I try and look at the benefits because I'm because that's really important to me because I have really good benefits because I work for the city. Yeah, benefits is good. but there is a break-even point and a point where you make more over the lifetime, you know, when we calculate compound interest that you're putting into a retirement account.

There are different things, but I do understand that. Yes, public jobs usually come with some good bennies. Okay, so what hits your account then? That's what you know. Yes, biweekly, I make $1,048. Hold on. Whoa. 1,048.

Okay, that's really not. Not much. No. We're talking like, what is, 25,000 hours a year, Nat? Mm-hmm. You can't survive off of that. How long have you guys been together? Because no way you'd be surviving.

No, we've been together since high school. Oh, really? Yeah. She's had this job going on five years now. Yeah. What year in high school? I was a senior. I was a sophomore.

Oh, Twitter's not going to like that, guys. Twitter is not going to like that. It was legal. They're not going to like that you said that. Okay. And you, Mr. PDF, what what do you make?

So I make a salary, which is also turned into hourly. Hourly, I make 36.06 an hour. Okay. Now that's what we're talking about. One, no in our wage. Two, a good wage. Okay. But I also make per diem for every day that I work, which is $125 a day.

Really? Yes, sir. What is that meant to be covering? Living expenses. What do you do? So I work in the power line industry. Yeah, you do. That makes more sense.

I was a transmission lineman, and I got out of the field around when we had our daughter, and I became an assistant project manager. We have a kid. Yes. What's the age of the kid? 16 months. Oh, okay. Is this the only kid?

Yes, sir. We had a power line technician or alignment out at one point on the show, and he made a ton of money. So what is hitting your account on a monthly basis? For everything. It ranges. Average. Average is around 1,500.

He said monthly. Monthly? Not week. Oh, 1,500 a week. Oh, okay. So about 6 grand. Yeah, just about. Obviously, some months we have less.

Some months we have more. If it's per week. Like February. Like some months I have more due to overtime. So the way my company works is anything on Saturday and Sunday. As long as it's crew supported, I get straight pay. Right. But my salary is always the same.

But we're averaging $6,000. We're averaging, yeah, $6,000. Including like really good overtime months and really just bad. So what do you average? What do you average make then? What average hits your account? I need to average this thing. average would be seven grand probably seven yeah okay

and the lower end is probably six so with that I mean that makes sense and for a range that's not that crazy so with that I mean we make as a household ninety six thousand hours a year net you were talking net right with that 7000 so that's delicious oh wait no no no no sorry no because of that new number now it's a little more that 108 thousand hours a year It's incredible. Yeah. So why the fuck are you on this show? You wouldn't come on this show.

I think, okay. What's going on, guys? What are we talking about? I like to spend money and not tell my wife. Yeah, that's a classic situation on the show at this point. Okay. Would you agree that's why you're here? Yes.

Okay. He really likes to buy things, all the things. And then I'll look at our bank account and I'm like, hey, what is this? And he's like, oh, yeah, that's this or that's this. So that's super fun. Why aren't you guys talking? We do. It normally just doesn't end well.

And we try. Normally it's just an argument and it doesn't go. Give me an example. Like, give me like your last, last major conversation around all this. The last major conversation, one of us ended in tears. Which one? Not me. Who could guess?

That was me. Tell me. What happened? We bicker a lot. Growing up, my parents fought about money, so it's never made me comfortable to talk about. And I always feel like I'm being judged for how I spend my money when I make the money. So you view it as yours? I don't view it as mine.

I view it as I worked hard. Like he puts the effort in to make a lot of money. 70 to 80 hour weeks. Well, if you blow it all, you're working hard for something that's not going to be there. But I can't take it with me when I die. Yeah, but when you die statistically, it will multiple decades from now and you already have a kid.

Yeah. That you might want to set up in some kind of way or prepare you guys for being set up in some kind of way so that they're not putting their life on hold? Okay. So the conversation went how? When what? Basically, the conversation did not end well.

She discovered that I had a very high credit spending limit. Spending limit. Spending spent credit. How did you find out? How'd you find out? I told her. He outed himself. I outed myself.

How did this conversation start, though? Like, what, we were just sitting down and all of a sudden and we were just like, yeah. Ah, Tessa. Yeah. I mean, I think we were just laying in bed after we had watched TV. I talk a lot right before we go to bed. And normally someone's like, okay, good night. Good night.

And I was just rambling. And then it was right there right before turning over for bed. Yes. It's a horrible time. Exactly. Yeah. I talk a lot to him right before bed because I feel like he's trapped. He can't go anywhere.

And so I get all my words in for the day. Well, you want to get in all the bullshit, though? That wasn't me. He started. Yeah, but it's confrontational. That's very confrontational. Yeah. Okay.

So then you told her. What did you tell her? That I had spent a lot of money. That's it. You said a lot of money. I had spent a lot of money and that I was not proud of how far I'd let it go. But I knew that. Over the last month?

A couple months, yeah. What did you actually say, please? I want to be in on this to know how this goes, how this relationship goes when you guys talk about money. What did you say? I said that we were going to have to make some payments or get a personal loan. Yeah To afford the payment Oh, to afford the fucking payment?

Yeah, the payment was really high Oh, $106,000 a year net In a pretty cheap area, fuck me, okay Okay And then what happened from there? I took all my credit cards out of my wallet Like the dramatic queen I am And bent them in front of her and threw them at her

Not aggressively, but I tossed them at the floor angrily. But yeah, I have a hard time with all that because I try and plan things and I want to have good things. And then I find out, well, we're kind of in a little bit of a hole. And maybe all these plans can't go the way that I thought. What did you say? I don't really remember.

It's probably been a couple months since that specific conversation. But you guys pick her back and forth? Yeah. Money's always been kind of a hard. topic because we have very different views. I like to save money and I like to see it just sitting in the account. Is that true? When I go through this, will that be true? Will that be proven true? Yeah. Yes. Yes, sir. Okay. So how do you guys actually manage your finances together? Then if we have a spender, we have a saver and we have someone that has to admit that over the last

couple months, I've spent all this money on a credit card and you only found out because you said that in bed. So how are we doing money for the house? I think a few months ago, or I guess in October, I set up a separate bank account where my income goes. Really? Why? We split the bills so that some come out of one account and some come out of the other. What's some account and then what's another account? Are they shared accounts or are they individual accounts? They're both shared accounts, so we both have access to them.

But just one of our- What do you split it? Do you mean you guys are splitting it or these accounts are splitting it? The accounts are splitting it. But the accounts are both of our accounts? Yes. Why are we doing that? Because if there's money in our main account, it gets spent versus...

Do you have no self-control? Not really. I really don't. Okay. And you recognize this and you're telling me this. So why have you not worked on this? Because I don't care. I just like to spend money.

Then you guys aren't... Then how the fuck are you guys going to make it then? If you just straight up sit here and come here and say, I don't care. Because I know money's coming in the next week. And I know I... Yeah, but then you spend it. I don't always spend it. but I have an idea of what I want.

Most of the time. So what are we talking about then? Like how are you guys going to survive at that point? You guys is a couple. I spend the money. I don't care. Yeah. What are your thoughts on all this?

I have a different upbringing with money. So I have a really hard time trying to see his point of view. Yeah, but how's your thoughts of surviving this? How are you guys going to survive this? What is your thought of this in general? hearing what he just said, what do you think? I feel like we're constantly trying to get our way out of a hole. And I don't know.

How do you get out of a hole when he has that mindset? I have no idea. How do you get out of the whole guy? By not doing what I've been doing. Yeah, but you don't care. I want to care. Yeah. You want to care, but you don't care.

So what the fuck is going to change? It's going to have to be like a massive wakeup or something. I mean, yeah. I think the massive wakeup is the few. future for my daughter. Yeah, but it's already been 16 months, dude. I know. Has he slowed down in the last 16 months?

Exactly. So, no. Well, she can't spend any of it right now anyway. I mean, it's my money. But it's my money. Yeah. My money. Not our money, my money. It is my money that she uses.

I pay for her house. I don't live there. I pay for her groceries. Wait. So, wait, what the That's another conversation. No, no, no, no, what are you talking about? I travel for work.

So I live in a fifth wheel two hours from home and I get to come home. Two hours? How often are you home? Every other weekend, if I can. Every other, you only see him four days a week or a month? Sometimes, yeah. And sometimes it's just. How are you guys surviving that?

Well, he's just blowing all his money and he doesn't care. Well, if I'm at work, I don't spend the money. So I try. You spend it all in four days? Yeah, don't take very long. Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you grandma. WRI-Fi says, chill out!

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Hell your 90 is not the retirement plan you dreamed of. I just like things. I like gadgets and knickknacks and bullshit. Literally anything. If it looks cool or if I've seen it on freaking Instagram. Is your house a cluttered mess? No. No.

Where does it all go? I have no idea. Everywhere. Preferably my camper. So she doesn't know. Do you not feel just completely out of control? He literally just said my money for her house. Is that how you feel?

This doesn't sound like a couple to me. No. It's a little hurtful when he says stuff like that. I just, I don't know. I wish it didn't feel that way. But lately it has felt that way due to not being able to come home and spend time with them in our home that we bought together.

What do you mean? I chose this job. Yeah. And I gave her the option of living with me in the camper. With a fucking newborn? Yes, we did it for six months. And how to go? It went fine.

We had a crib in there. How to go? I mean, we probably could have done it if, and it probably would have been a better choice financially, if we really sat down and talked about it. Then why not done? I didn't really think about quitting my job and staying at home because I wanted to. That would be quitting the job. Yeah. Yeah.

And that would be like a 25% cut, just about. But we wouldn't be paying a mortgage. Or daycare. So that's, it would have been a big thing. Yeah. Yeah. Okay. I gave her the choice once and then that was it.

She said she wanted a house and I said, okay, let's find you a house. How long have you had the house? We bought it last year. Seven months. August. He gained any equity? No. No.

Yeah. Okay. So income. We know what came in. We have your income. It was actually less this last month. But I want to do expenses and I need you to guess what you are spending on these categories.

Price is right style. Here you go. Some financial audit pens. All right. Give me your food spending. Give me your food spending. Let's have, if you guys are really together and you're combining these finances and you know your things, give me your food spending.

Food spending for a month. In the most recent month. Go ahead. Let's see what you guys both think. I mean, you guys are a couple, right? You're together. Okay. He says $3,000.

Oh, God. you're including everything though food it's like drive drive-thrus and groceries and everything three thousand dollars you think you spend a third not even a third no more than that like a 35 40 percent of your income i mean yeah we go to sam's club and Costco and what'd you say i said 750 okay that's still substantial well the answer was 596 okay so why do you possibly think it is 3,000. Eggs are expensive. It's not fucking eggs, dude.

Come on. Why do you think it's 3,000? I just thought I went out to eat more. I mean, there's occasionally times where I go out to eat quite a bit, just living on the road. And I really like Waterburger. 3,000. Yeah. I'm glad it's not 3,000.

I don't know what you would have to be doing to spend $3,000 on food alone. Well, Sam's Club and Costco can get expensive, especially buying diapers. Yeah, but we don't go there that often to spend that much in an entire month. Probably not, no. I don't know if you really thought about that one. Probably not. Okay. Here's the next one.

This is extra shopping, kind of at like an Amazon or a Walmart or a Target, that kind of stuff. What do you think you spent on these, like, who knows what it could be categories? that these big boxer delivery, what are we thinking? What do we think? Maybe 600? 600. What we got?

1,400. Well, this time, he's the winner here. 1737. Holy shit. Is our money just leaving? Yeah. Just on big box Amazon delivery, that unknown,

because who even knows what the fuck he actually got? And hopefully we actually find out more. But that is crazy. That is crazy. I didn't think that we spent. that much on Amazon. It's almost triple what I thought.

Well, yeah, 1400. But 17. That's still a lot. It seems like a lot for a month. That's not that much more than what you thought. But that's like almost. $1,400 is my average. That's how much I think I would spend on Amazon or target.

You're okay with that? No. Yes. What? I mean, I'm, I'm okay with it. Yeah. I think I'm okay with $1,400 a month. That's a lot.

I don't know. what we would need to spend that much on in an entire month. Nicknacks. You don't really seem to speak up. You really do not, do you, like, what is your care level on all this stuff? Like, this is objectively bad. He says he doesn't care. And you just seem so about it, just so flat.

Do you give it up? Do you care? Sometimes I feel like it's not a battle that I can win. So I feel like we've been through the same conversations. the whole time we've been together and not a whole lot has changed. Yeah. I don't know. You're going to stay with someone.

You had a kid with someone who won't change? I love him. But he won't change. Are you guys going to make it? I think we'll make it. Why do you think that? You're the bad one. It's not like you have to,

you're not the one dealing with the pain and hurt of this. I mean, I am. How? You're the one doing the actions. Oh, come on. Then why aren't you changing? you literally told me you don't care what the fuck are you talking about internally

I just like to spend money no shit but you're not changing so what are you telling me that it hurts internally if you literally told me you don't care I think the debt stresses me out but I just push it off and spend more money like spending money is my happy place

but that's gonna turn even more and more stressful forever I know and I'm trying to get through that and I haven't tried what's this trying resources yeah uh... fucking budgeting What do you mean resources? What are you talking about? Okay, fine.

Resource. Simple budget. You guys create an account together or create two separate accounts, whatever you want to do. We pay for the premium version. They get a multi-week trial. There's your resource because it at least tells you exactly what you spend on every category. So we're not playing prices right. You're guessing, okay?

You don't have to do that shit anymore because you won't actually know what you're spending on each and every category. You set your own limits and it's automatically connected to your accounts and you see what your income is. Okay. So simpler budget. You guys get that. There's a resource, but you could have been. been doing that more manually or something. If you really care, you try, but you told me you don't care, though.

If you don't care, there is no trying. But I did. I tried very hard. I went on Etsy. I bought a planner. We went through it together. We set it up. And then, you know, I moved.

And it was hard to see, you know, what was she spending money on? And then me telling her, oh, I bought some more dumb shit. I think that's the problem is we want to look into it. And then we try and make a plan. And then something happened. where maybe we don't see each other for a while. We're not able to actually stick to that and actually sit down and have the time to talk about it.

So it just kind of goes out into the wind. All right. No more Etsy bullshit. Here's the Simpler Budget Founders Edition. This is for anyone that signs up for the annual version, gets assigned and sent to them. But you guys get it for free. Before you guys come back on the financial audit channel,

I need you to journal at least weekly. Okay? At least weekly. And I'm going to read that when you guys come back on the follow-up channel. So don't fuck it up. Okay, she'll write in it. Miscellaneous bull- The final category we're going to do.

This is things like getting a video game or just, you know, whatever it is. This is miscellaneous extra bullshit that does not actually matter in life whatsoever. My guess is-th, $3,600. I put $2,000 in scratchdown. Oh, my. What are you guys doing? How do you possibly even think that? How is it even like

How is that even considered remotely okay guys? It's not. It's not okay. Then why don't we do anything? Because we don't talk about it Because I don't like talking about it. Why don't you like talking about it? Because he's the problem.

I'm the problem. She has no problem with not spending And I can't seem to stop. Then what the fuck can I do? Tools. No. Maybe throw something out of them. I mean, yes, again, you guys go through all the classes.

You get the budget and nap. Sure, there's tools. But. It is still your work that you put into it in the end. I feel like he just, he needs something to change to make a difference. And I don't know what that is. But I feel like anytime we talk about it,

he feels like he's personally attacked. And so then I feel like I hurt his feelings. And it's not a super great conversation. You think she hurts your feelings? No, she doesn't hurt my feelings. She just thinks she hurts my feelings. So why do you care before we just jump into these documents, just in general,

why do you care about your own self-pleasure than your wife, than your child? Why do you think that? Dig down deep. Why do you think that? My mom was the same way. And you saw the that comes from that and you're not willing to change. I saw things that struggled from my childhood, foreclosure notices, struggled to pay for college, you know, which is bad finances in general, stress, stress, stress, stress, stress, stress.

That's why I became interested in personal finances and I did better. You saw the bad parts and you decided to repeat that? How does that make sense? You were able to fully acknowledge this. It's not like some internalized trauma, like someone who got abused is now abusive or anything. It's like you are recognizing this. You know this. So why the fuck continue the thing that you know is bad from your childhood?

I just, I don't know. I just like to spend money on random things. I just buy shit that I think is shiny. Okay. Okay. So $9,000 comes in. How much did you guys spend last month? Probably $8,900.

Okay. So less. Probably close to $1. 10,500. Oh. Spending $1,500 more than we bring in on a monthly basis. How are we ever going to get our debt? You said debt is keeping you up, so you just ignore it.

But it's getting worse by $1,500 on a monthly basis. What the fuck are you talking about? Yeah. Again, that it's you putting your own self joy over your wife, over your daughter. She doesn't tell me no very often. That's the other problem. I feel like if we had an actual conversation and maybe broke it down and I explained to her reasons I needed something or needed.

Needed? Needed is a very strong word. Wanted something. Then maybe she would understand more. Okay. Where do you guys think you are in the world of personal finances? I'm going to go three, two, one, go. On go.

I want you both at the exact same time to give me what you think your household financial score is zero to ten, zero being the worst, ten being the best. Three, two, one. Two. Three. Okay. Why do you think you're almost like, what do you think you're to three and not like really? This is a lot of paper. This is more paperwork that I've seen in a long time.

Borderline fat stack week and we haven't done one of those in a while. You think you're three? I know there's definitely. But you're the saver. You're the one that is apparently good. We could both be the spenders. So at least there's only one spender in our relationship. But I feel like it's, yeah, it's definitely pretty bad.

And we need to figure it out. get out of the hole. All right. If you guys want your hammer financial score, link in the description below or just go to Calebhammer.com. You can also go to Calebhammer.com slash apply if you want to come into our studio in Austin, Texas. Meet everyone here.

Have a good time and I'll give you a good financial beating and get you connected with resources and all that good stuff. All right. Amazon Chase card. Okay, we talked about the deliveries and bullshit and it was an insane number that was actually even higher than you thought, if I'm not mistaken. Okay. So Amazon Chase

With this Oh my fuck This is crazy 11,835 $94. That balance alone's Friken insane Have I had a balance

Like that on a credit card Forever With the $385 minimum The payment It doesn't even matter Listen guys The balance didn't even change No, the balance

literally went down by a dollar Because you spent $231 Who spent the $231? Probably me I'm not on that account, so it wasn't... Are you fucking kidding me? So you say you're the one that you care about that?

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So check it out. Download simpler budget today. High interest credit card debt that is accruing $239.308 in interest on a monthly basis. $28,000 fees. Why? Why? Late fee. Do you even know that?

No. I don't have access to that account because I'm not on it. You don't have access? You're not allowed to look? You don't know the login? No. It's just under. Why doesn't she have access?

She's never asked for it. I have the app on my phone. She has to ask for it? So you guys don't sit down? No, we don't. Because you're afraid of the confrontation. You're afraid of him getting his feelings hurt. You're afraid of getting your feelings hurt.

You're afraid of starting an argument and getting mad. But aren't you just like building it up and it's going to be a nuclear explosion one point? What did you think the balance of this was? This is one that we have talked about recently and I knew it was high, but I didn't know what it was. and I didn't know that there was a late charge that got added in there too. Why aren't you managing paying it on time if you're the one that's dealing with this? I missed the payment date. No shit.

I'm asking why? Because it fell on a weekend and I wasn't paying attention. Why isn't it on auto pay? You make money. Auto pay scares me. Why? Because I had auto pay on everything a long time ago and I didn't have any money in my account. And it charged me a fee.

But you're getting fees regardless. Yeah, I know. A lot of the times I'll call them and let them know that it was just an accident and they'll reimburse it. A lot of times. Yeah, there is. Late fee, Amazon, Amazon, Amazon, Amazon, 23.49% interest rate. So what the fuck are we doing on here? We bought a lot of furniture for our house.

Yes, we bought some of the furniture for our house. And I... You agree? Yes. For the house, we did have to have to because we didn't have any furniture. We had to furnish the house enough to live in, and it was a little expensive. So I know there's quite a bit on there from just when we bought our house. Pull up your Amazon account.

Let me see. Let me have a little thing. I know we haven't bought anything super recently. Do you want to see the orders or the Chase account? All right. Let me see. Pull it up. Here's the recent orders.

Okay. I'm starting to screen recording. We will black out anything else private. Okay. Okay. Something for shoes. A water bottle because you probably didn't have any water bottles. Bladder cleaning kit?

It's a hydration cleaning kit. Hydration pack. It's for a rucksack. It's for my rucksack. Like a backpack. Oh, okay. Ring solar panel? Yeah.

Our outdoor security camera kept dying. Hardwire it. I can't hardwire it. where it's at because there's no close enough light switches. Yeah, things for the kids, things for the kids, get that, I get that but we got a lot of things all at once for the kid. It's not like, I mean, maybe

one at a time. I know recently we did spend around $1,200. By the way, I'm not seeing the furniture that you guys are talking about. I'm seeing pens and whiteboards and calendars and paper feel screen protector for the iPad,

an outdoor table of expensive of printer. Yeah. Logitech MXKiS combo Performance Wireless Keeper. Come on, dude. There's a big desk. L-shaped desk.

So that was... That's the furniture that you wanted. Was an L-shaped desk? No. That was for me. What you're talking about? A triple monitor mount. Yes.

Come on. That was an office setup that got... Tessa was... Large monitors. Three large monitors. It's a three large monitor stand. I bought two monitors. Yeah, but there are 32-inch monitors.

Yes. Those are big monitors. It is a setup for my home office. Tessa was being lazy. A home office, buddy, you work, you're at home four days. You're being lazy. Yeah. I was sick.

She was sick and she called me kind of hysterical because my daughter was also sick. Call your wife hysterical? She called me hysterical. You called him hysterical. Upset. She was not happy. Oh, she was hysterical. Yes.

She was hysterical. she was saying that I need to have an office setup because she needs help with our daughter because she's sick and she just wants to go to sleep. My daughter and I both had the flu and I was not doing well. It was really, really hard to keep up with my daughter. And we were both home all week. You called her lazy for having the flu? I didn't call her lazy for having the flu.

I just, I also had the flu at the same time and was at work. I just didn't tell her. You shouldn't have been. That's what I thought. By myself. Oh, okay. I work in my office. What is this at home?

In the trailer? No, so at our house. You're there four days. So she wanted me to come home that day, but I couldn't come home because I have work to do. And I work in an office. Okay. So she wanted me to have a home office set up so that I could come home and help out if I was able to. And now that I have the home office set up, I can invest thousands and thousands into it when you're in like,

horrible debt beyond horrible debt I mean the debt we're talking about it's almost $400,000 yeah lots of kids of the sculpture stuff and another monitor stand and what is this a receipt printer and hey yeah baby monitoring

and a heater oh we're just buying so many things garage door openers performance energy drinks weird pajama pants those were for Christmas yeah those were for Christmas For family pictures, we all got matching pajamas.

This is just insane, ridiculous spending, guys. And the card is at $12,000. Yeah. That stresses me out. I don't know. My view on credit cards is you use them and then you pay them off the next month. Sounds like a reasonable view. How can you actually stick here?

Well, we remove the credit card. You seem so passive. We remove the credit card from Amazon. So now we're not using that credit card anymore. more at all on Amazon, whether it gets the 5% I don't know. All I know is I saw Amazon purchases and I see four on this card and a late fee. So literally

your change was like right before you came on the show which I don't count for anything. It's like that's nothing. You know you're coming out of show you so you do something to look better. Come on. The interest in fees charged in this year alone is already insane. Already insane. I'm just taking your energy and just looking at you and I

can't tell if either you're passive in life or if you don't care or if you've just given up. Which one is it? I kind of feel like I've given up a little bit because I don't know what to do. Your wife has given up. You're just okay with this. And you're okay with just popping the Zen and blasting through Amazon and

order that you don't have on a credit card that is at, you know, $12,000. You're okay with this. Your wife is saying she no longer care or that she's given up and it's because of you. and you just do nothing. And earlier he said, you do not care. Yeah. Unfortunately, I feel like that's the way things are going. What are you going to do?

What are you going to do? I have no idea. Just kind of struggling. What have you done? I don't know. Not a whole lot. I feel like we're just constantly in this hole of trying to get out. And then...

What have you tried these last? six months. Try to talk more about things and try and look into the future rather than just right now. And what's happened when you're trying? I get emotional. Uh-huh. I don't really see a way out at this point. So I don't know.

You don't give a fuck. I do give a fuck. You said you didn't earlier. I do give a fuck. She doesn't know what she's doing. She's lost in this man. because she can't do anything about you because you don't care. You don't care to change.

That is true. And she's giving up. How long until she gives up on you in the marriage? I don't know. I'm hoping that doesn't happen. That doesn't get us anywhere. I know. That doesn't get us anywhere.

Be honest with me. Have you thought about just calling it quits? No. Really? I respect that. That's love. I also couldn't make it on my own either because I don't make enough to support me and my daughter

But that shouldn't be what's keeping you there if it is It's not but even if that was an option I don't have a way to support myself I don't make enough by myself But Something tells me The fact that you immediately said that second answer That it's a bit more real

Than you'd want to admit Even to yourself Because why would that come so quickly. I don't know. I've always known that I don't make enough and I don't have an education to go do anything better.

I don't know. Look at this, man. I know. This is why we don't have our budget conversations. No, this is why you need to have your budget conversations. I don't like to see her upset. That doesn't matter. You make her upset with what you're doing. You're blaming her for being upset for why you're not

willing to have the conversations when you're the one that have gotten you guys in the position where you need to have the budget conversations, what the fuck are you talking about? How do you not see how ridiculous this is? Get your wife a fucking tissue. Yeah, I don't. At this point, I don't know what the fuck you're doing anymore.

Talk. You're not willing to. Bare minimum effort. Yeah. She's right. She is, but you've done nothing. I feel like a lot of times he's an emotional spender. And if he's upset, he'll just try and go buy something to give himself that fix.

But then he's just digging the hole even deeper by doing that. I don't know how to change that. I've tried to talk to him about it. And then you're not willing to discuss. Yeah, I hide it a lot. Most of the credit cards are just in his name. So I don't know really about them. And so I don't ask.

I simply just don't know. You didn't know about the late fee. What do you know about them? What do you know about them? There's a lot on them. You even know how many? There's probably five or so, maybe, that have a decent balance.

Other than that, I don't. You know this is like living a second life. Yes. Financially. Yeah. This is like financially cheating in a way. Yeah. Essentially, yes.

And she just tries to talk about it. audit and you just leave. Yeah, I shut it down quickly. Here's the truth. Running a business is sometimes pure chaos. Show guests canceled days before their audit, constant calls and messages across multiple projects,

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Switch the shipstation today. Go to shipstation.com slash Caleb or click the link in the description below to sign up with a free trial. That is shipstation.com slash Caleb. Thanks again to ShipStation for sponsoring today's episode. Let's get back into it. You will not make it if that's how you continue. You guys have known each other for a long time. You met each other when you were both younger.

You have a history. You have a kid now. That bond is keeping you guys together through this and helping. But how long can she be pushed? How long can she feel completely destroyed and broken down and unable to talk and communicate with her significant other? How long can she feel that way? long can she feel completely given up before either she's just a silent corpse existing in the house or until she decides to leave the house. I don't want either of those things. I really don't.

We've got to figure this out. I don't want things to always be this way. I want to get better and see the light at the end of tunnel. I know you want to, but you can't do that alone. That's not on you. to start Does he hide things from you? I mean, just finances. Just finances that you know of. Yeah. I mean, I don't think there would be anything else to hide.

We talk about everything else. It's just the finances that are a hard conversation for us. What does she know about the truck situation and what you did with that? What does she know? She thinks the truck's paid off. it's not paid off. And I missed a payment. Yes.

Absolutely. Take your time. Why would you even tell her that? Why would you even tell her it's paid off? Because that was our original goal. Yeah, that's a goal. Why would you lie? No.

So we took out a personal loan to pay off a credit card and her card. And originally we were going to pay a portion of the Amazon card and the truck. and I didn't pay the truck, and I saved some of that extra money as... Wasn't the truck supposed to be paid off a while ago? Mm-hmm. I've just been making the payment. What do you still owe in the truck? $700.

That should have been paid off like a year ago. Yeah. A year ago. Why? Weren't you close to paint it off? Also, no, it's $1,700 that you still owe. 1700 yeah you just tried to lie again

I forgot a number no no buddy I think you lie to try to get out of pushbacker to make her what's going through your head right now I feel so bad for you I'm so sorry it just really hurt yeah I just feel like I have no idea what's going on anymore

I am so sorry you do not deserve this and I don't really even know what the fuck to say to you. I really don't. I know you're the one that's watched this show for a long time, right? Yes. But I don't even know what to say to you. I mean, I want to like give her like the biggest hug in the world. I feel so bad for her and you've just, then you just immediately lied again when you said how much was left to try to get your ass out of a situation that you she thought it was supposed to be paid off a year ago, she just said. What the fuck is wrong with you?

Okay, walk me through this situation. What happened? How did, how'd you get here? I just, we were so far ahead in payments that I didn't owe anything for a while. And it said I had no minimum payment. So I just didn't pay for it for a couple months. And that money I took I used for our trip when we went to Cabo. You guys got to Cabo. And so when the payment finally came that I wasn't caught up, I had to make the minimum monthly again. And I made it and then I forgot about it. And then I had to pay two payments. I still don't see how we were so close to paying it off. And then you owe more than what I thought we did when we were just a few months away from paying it off.

I think that because I missed the payment, it added money to it. That doesn't make any sense. And I didn't pay on it for three months because there was no minimum monthly, which charges interest. But why would you not just pay it so that you could. can pay it off. Because I wanted money to spend while we were in Cabo. That's when you save money. I did save money by not spending it on the truck. That doesn't make any sense. Then we, we knew about Cabo for a long time. We could have saved money for that. But we didn't save any money. I saved money for it. The only reason we had any money to spend while we were there was because of me.

You make trips and you plan them so that you have the money when you need it. we knew about that for over a year. Yes. We could have done things to put away money before. But we didn't, and we didn't talk about it. You didn't save any money, so I used that opportunity to save money to spend money in Cabo. And my truck payment, I didn't have to pay for three, four months, so it was fine. In my head, it was fine.

But if you would have just paid it off, then the money that you would have been putting towards your truck would have been that extra spending money. Yeah, but the truck didn't need to be paid off right then Needed spending money for Cabo But she thought you paid off the truck You agreed to pay off the truck Yes How the fuck can you possibly have that opinion then How is that opinion even possible to have?

I don't know You went against what you both agreed on And you're saying it's okay because it's your money Are you okay? Not really now Yeah Let's go into your head right now. I just, every time we talk about this, I feel like it gets worse and worse.

And there's just always something else waiting. Is there anything else, man? Is there anything else that I don't know that she doesn't know, just fucking get her. Huh? The Amex credit card is higher. How much higher? $2,49. How often do you feel like this?

I don't know what to do I don't I hate saying I'm not the problem you're not the problem you're not the problem I don't know what to do to change you can't conversations to have to make things different

you can't it's kind of it's in a way less the addiction side but still the behavior of an addict the dude's not going to change unless he changes. And if he doesn't, you're essentially just allowing yourself to stay

with an alcoholic forever. I don't. That's so hard to say for someone that just had a kid. It's so hard to say for someone that loves the person in front of them. But oh my fuck, what is going through your head right now? You f***ed up. Listen to your language. You don't give a fucking, you're not going to change. Do you think he's going to change? Do you think he's going to inch doubt of your heart do you i know you hope do you think i think he can you think he can but you've been with him this entire time so answer the question do you think he's going to change no that's fucking real man yeah yeah my own wife doesn't have faith in me you're smiling and laughing i'm trying to get through the pain why would she have faith in you i don't know at this point you don't like

giving me a whole lot to go off of. Oh my gosh. I feel so bad for you. I want everything in my heart right now as I want to fix this for you. You have no idea. I feel so bad for you. And fuck the man.

I would do like anything right now to fix this for you. But there's nothing I can do. I mean It's all on It's all on him And you're right It's not a situation where you can leave You're not in a position too

You're trapped You're trapped and you've given up as well I've tried to have given up as well Obviously I'm going to sit you guys down with a therapist Three sessions for free with tinder mine I'm lucky then I'm able to gift that because of them because home my fuck if there's ever been anyone that needs therapy you might need your own therapy i've been in counseling lately why mostly just work stress but just kind of

everything is it works stress it really is okay okay mattress firm that one's in my name um that was whenever we bought our mattress and the adjustable so some of it is you I mean, that one, we did need a bed. So we bought a bed. I wrote a little song to remind you, Choice Hotels, get you more of the experiences. You value. The Canberia Hotels got it all.

A rooftop bar, have a ball. Cocktails up here feel just right. Is Camry your home? Bring a date, your team, or even your mom. Book direct at Choiceotales.com. See you on the roof. $5,228 bed. I might have been talked into that one.

I have a really nice mattress and it's not that much. What the fuck? It's the best mattress in the world. Yeah. We get that when we can afford it. We could have just gone with the mattress. But I was talked into everything, the adjustable base, which was not necessary. So that was probably $2,000.

How many use it? Every night. When you're home. You use it. Four days a week? I don't use it if it's just me. Then why is the remote on the bed when I come home every time? I used that the other night when I went to go to sleep.

I tried to sit it up, but it didn't help anything. Yeah. It expires in a year and a half. Okay. With how many months is left in order to get it, we got 12.5. Okay. So we got 18 months to pay this off. You have 5,228.

0.34 divided by 18. You guys need to make payments of 290. Minotty payment is 183. You need to make payments to 290. 291. That's weird because... You're not doing that. No, whenever we had set up the payments,

they said there was a certain period of time that we could have it paid off and it wasn't going to charge any interest. Yeah. 927, 2026. I mean, I might be off by a month, which moves the number down to the 262 you paid. Yes, because I figured it out, And I knew I was paying more than the...

We'll say 262. Okay. Because I knew I was making more than the minimum because I was trying to get it paid off before it started charging interest. What does tonight look like when we leave here? A long conversation back home. Probably some more tears. Are you actually going to have a conversation?

I'm going to attempt. Yeah. What does your attempt look like? Not yelling. Do you yell? Occasionally. He gets heated. What do you yell?

yell about this is all you i know so what do you yell that i don't want to talk about it is that what he yells pretty much um it's about normally how it goes yeah i mean it's already charged almost a thousand dollars in deferred interest so don't pay this off by that and like three thousand hours of interest is going to hit it's not more okay because it's charging at 35% 35% wow okay Academy what is this

that is my card I went to Academy with a friend of mine and they had some jackets on clearance during when it was cold you couldn't have just bought them rather than credit card what do you think's happened here you have any insight into this card

no I didn't know about it till I mean I knew the card was there but normally there's not about on it. Tell her what happened. I hit a late fee because I forgot I used the card. Maybe you shouldn't use the cards and then there's not a late fee. If you would have just bought it outright with the debit card, you wouldn't have had to worry about that.

There was no money in the debit card. Then maybe don't spend money you don't have. Well, it's really simple. I needed a jacket. Because you didn't have any at home? You were at home. I couldn't leave work to go get a jacket. Did you have a jacket?

Did you have a jacket? Not a, not a work jacket. They were on sale. You know, a late feed. For a jacket. For a jacket. Two jackets. They're nice jackets. Why do you need two?

They were on sale. Why do you need any more? I like jackets. They're dress jackets. They look decent. I have to dress presentable. Look, you all know I love calling people out on their financial train racks. We've tackled credit cards, payday loans, and more. But there's one giant moneymaker we've only scratched the surface on, real estate.

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Of what she thought was zero. Knew it and bought a jacket. Two jackets. Why did you get this card? I've had that card for a while. I can't remember the original reason I got the card. You told Lindsay, the producer, because you were bored and you wanted a gold card.

That was the MX. Oh, that's the next card. Oh, my. Yeah, this is at 36% this card. The card we're just talking about. 36% for fucking percent. You're just sitting, you're not even paying. Sitting not even paying.

Well, your wife is at home trying to raise your kid and also work. Mary Express. Is this the one you said it's higher? Yes. So what is it now? $3,000 something. It went up $2,000. Yes.

$2,000. Yeah, for what? So I thought my RV rent was automatically paid and it was not. Pay for rent on a credit card? Yeah, so I was behind three months because I thought it was an automatic withdrawal. And it wasn't. You didn't know that. I knew he was paying for it on the credit card.

Oh, for a fuck. I asked if there's anything else you're hiding. You were behind three months. You didn't even know. And so I had to pay for it. How did they let you get behind? They didn't even know. I talked to the park manager.

She had no idea. Genuine question for the audience. They have to remember. These are just real people from the audience, just like you can be if you apply. But question. With the feeling and empathy and everything that is, whatever, going through my head right now,

wow, do you rescue somebody that literally kind of can't be rescued and doesn't want to be rescued? And you also feel weird about asking because they have a kid, you can't tell him to leave the guy. And also, it's weird to tell people to leave someone. And also, how the fuck do you do it? Especially when they don't make money. What the fuck do you do?

I don't know what to do. I don't want you in this situation. And I don't know what to do. I get you guys out of debt. That depends on him changing. You agree with me that you don't think he's going to change. What the fuck do I do about you? Because you're the one I want to save here.

How the fuck? You're the fan of the show, but she's the one I like. that's usual I'm really hoping this wakes him up hope that's all I have at this point how long have you been hoping

a while exactly yeah interest is accruing 29 bucks 14 cents got some payover time stuff $40.47 no well the minimum of payment is probably like 120 now

do you want me to check no it's probably 120 if it's three times the balance I'm going to sue. Hulu, Hulu, Hulu and Smith Outdoor. What is? Smith Outdoor. S-M-M-T-Outdoor.

Oh, Summit Outdoor. I bought a cup that I saw on Instagram. On a credit card. On a credit card. You guys get along normally? Oh, there's in finances, yes. But how often is that versus finances? We get along just fine.

I'd say most of the time. Yeah. Okay. How often is finances? How often is that? I think we have a good spout once a month. About finances probably, yeah. And it probably needs to be more often.

Why is it even a spout though? What defense do you? You don't have a defense. I just feel like I'm being attacked. Like I'm not allowed to say. Because you are the problem. You legitimately are. Yeah.

I don't think he likes addressing it. He'd rather it just be hidden. He hopes that it'll figure itself out on its own somehow. But that's not how it works. Dude, you shouldn't have access to a credit card. You can't manage your credit cards. You can't manage having access to credit. Again, you can use, just like everyone in the audience and on the show, you can use the FIS card

because it's a debit card that builds credit if you really care about that part, if you want fun. But you can't do this. I would just close these accounts. You already have the house, so what credit are you shopping for? H-E-B card? Yeah. Never even heard of this. Yeah.

Apparently it's a new thing. That was my doing as well. Okay. H-E-B. Never thought I'd write that down in the debt column. Okay, with a new balance of $483.95, the minimum fee payment of $25. It was $683.95 cents of purchases. When he told me about that one, I said the only way that we're going to have that and use that is if we're literally going, buying groceries and then immediately paying off.

And he said that's what we would do. And that has not happened, obviously. Otherwise, there'd be a zero balance. Just really don't get it. It's not even all H-E-B. There's a Wyndham. Like buying something in a hotel lobby? Then what does Murdoch Ranch?

home for $261. That's not HB. She doesn't even know this. Again, she doesn't even know this. I'm looking at her reaction. She was there for the Murdoch. She was with me. Why would you put it on an HB card? That was the one I had in my hand. Put another one in your hand.

I don't carry my wallet very often, so I used my... Why? Because my phone does everything for me. Except for using a card. That makes more sense. Like a debit card for you. What I'm saying is the amount of money just, you guys is spent on by the way, literally if you just, if you were just putting that in the the Moomoo app, like the investing app that I use, if it's literally sitting there

uninvested with the sign-up rewards when you put in like $2,000 and all that stuff, you get like a literal like 16% return on your money. It's better than you even get on an average stock market year. So like, this is so stupid what you guys are doing. It's all going to interest instead. It's all going to interest instead and stupid. It's stupid. I don't know what to do.

I just feel bad for you. Apple card. That one's mine. Does this pay it off normally? Normally it is. Last year, most of the year it did carry a balance for plane tickets. So it carrying a balance now? I think there's like $200 on it right now.

Why? So it's not all him. But I pay mine off every month. But you said there's a balance on her. There's a balance, but it's from the past month. So it's not due yet until the end of the month. Oh, but you pay it off every month. Yes.

Okay. Then that doesn't have to go in the month. the column then. When's the last time it wasn't paid off and interest accrued? Probably about six months of last year. We bought plane tickets. When was the last one though? Like how long has it been paid off every month by? Probably the past five or six months. Okay. Then I won't write the balance down. I mean it's still, this is your card. You're going out to eat all the time, Waterburger, Starbucks, Starbucks, or then there's some other things in there as an urgent care and a health thing. But I mean, going out to eat and getting some

Starbees. That's not very often, I can say that. It's not very often. It was three times within the month. Obviously, we don't have the full package. Yeah, in terms of what has been spent across the board. Which is on one card, you know, just thinking of priorities of money.

Let me see if that's confirmed, though. Yeah, no interest. Good. Okay. Good. Verizon. Synchrony Verizon card. Why?

I originally got the card because it gave you money off of your bill. And I was... But now you're accruing interest. I was paying it off a... There's purchases on a Verizon card? What the fuck? Why?

Our new phones. You just got new phones. That doesn't make sense. You didn't get a $245 phone, did you? No. And what are you talking about? Because that was how many purchase. That's the monthly bill.

Oh, but you're accruing interest. You're not saving any money with $26.96 of interest. What fucking money are you saving at the $41 minimum payment? Hmm. Hmm. Yeah. That's great. Just this alone without putting any more purchases on, which is, by the way, impossible

because you put your minimum of the payments on this. How long does it take to just pay off this $1,136? How long does this take the payoff? With just putting monthly minimum? Yeah, without adding any higher balances, which you're impossible. 16 months. How long do you think? I have no idea.

You'll be 30. Holy shit. Wow. Just to pay off 1,136. That's crazy. What the fuck are we doing? USAA. Is this his?

We're both on it. Who's spending? Me. Of course. $1,567. With a $47 minimum fee payment. Actually, no spending was done on this, but interest is accruing. How long does this take the payoff, guys?

Just doing the minimum of. the payment without purchases. A long time. Three years. Three years? How long? What do you think? Early six.

Okay, you'll be 40. That's ridiculous. Yeah. Literally almost double your age. That you've... Well, no, that's not true. Not quite. But that's crazy.

The Verizon won't make no sense anyway. I mean, I know where you guys live. You have good T-Mobile coverage. I would just do something like helium for 15 bucks a month per line. It's like, I just don't understand what, okay. Why pay it for the name brand when you don't have to these days? Huge interest rate on there.

Oh my gosh, okay, there's still a lot to go through. What is this? What is this? Unsecured fixed rate loan. This is a personal loan? What am I looking at? A personal loan. See the original loan.

What's the current? When did you get this? Because the current balance is basically the same. What is this personal loan for $35,116? $15.57. To pay off the MX? debt consolidating. Oh, and how did that work? It didn't. Yeah, exactly. Without changing the behavior, which you are incapable of,

which he is incapable of, of which you have no hope of him even doing. No, you have hope. You just don't believe he will. Then, obviously, this does nothing because then you just owe double the debt. You consolidate it. Then you build it all the way back up. And guess what? We built it all the way back up, right? So personal on again, $35,000, $1,16.57. It's an insane balance. basically doubles where we are that we've talked about already, if not more. 600, no, that's the interest. What's the minimum to payment? It's like 700 and something.

772. Jeez. That just eats a huge chunk from your guys, this actual take-home pay. That's crazy. That is crazy. That was the Amazon card and the Amex. The Amazon card now is at $12,000, and the Amex is at three. So we just bought it.

filled them all the way back up. Are you checking your phone? Is this not good? Are we not learning anything? The minimum month. Where are we not learning? Okay. Yeah.

I was wrong. It's 74469. Mm-hmm. 81 months remaining on this. Yeah. That's it. That's a while. Nuts.

What a joke. How does this fucking continue? How does this actually continue? Like your guys's marriage, how does this continue? I don't know. What is this? It's 6%. So it's a little on the lower side. It's still not good though. It's a lot of... Your RV?

Yeah. Stop. The RV? Yeah. Is this the one you're behind on? Wait, so we have an RV and you have an extra thing that you're renting? No, the RV is what I live in. What was this thing you were behind on by three months?

You have to pay the rent. The rent on what? The RV park. What a joke. 44,78. $0.68.63. Minimmonty payment, these are getting disgusting now,

$550.24. What the fuck are we doing, guys? What are we possibly doing? There's a lot of bills. A lot of bills? Unnecessary bills. On this? What? No, I'm just like, all of that is just

unnecessary. Yeah, a $62,000 RV? Well, we. We were. We tried to buy a home in 2021. Yeah. And we kept getting outbid in the markets. So you rent and save up and more to make a more competitive offer also as 2021.

You guys would have an incredible time buying now. It's a buyer's market. So we bought the RV because of my job. So we buy a depreciating asset. Great. Yep. It really. Ah!

The minimal of the payment on this is $876. $876. $876.3. $40,000, $2,000. $55.71. Balance on a fucking Hyundai. 2023 Palisade. Palisade.

That's my car. We bought that when I was... Do you really need this? No. Why? Why do you have this? It's worth 18,000. Oh, 40,000 on it.

It's worth 18,000. That's sad. Not only is this sad, but we're not getting out of it. There's no, there's no borrowing to get out of it than getting their cheaper car. Also borrowing and paying it off. That's the main reason I didn't want to buy a brand new car. Didn't want to? Then why did you?

I wanted to. But it's not even your driver. No, we were. We were what? We were expecting, and I wanted her to have a new vehicle to be safe. It's a safety thing. What? Do you think 2022 was all of a sudden just a wildly dangerous year of car?

Well, the problem with the 2022 and the 2023 was they were the same thing. same price. What about 2021? You think that was a wildly dangerous time? 2020, 2019, 2018, where was everyone dying? I don't remember that.

I don't know. Was there a fucking everyone who's dying in their Hondas in 2019, 2018? In 2023, it was recommended as the safest vehicle. Awesome. Where's the other ones

dramatically dangerous? Is that what you're saying? They're not dramatically dangerous. I just don't see why you've been saying. But guess what? You no longer have money. You don't have money. Look at you guys.

Look at you guys. She's been in. tears half the episode because of what you're doing. Obviously, this isn't working. I wanted her to have a new car. I know what you wanted and it's dumb as... When she pushes back on things, is she ever able to win? No.

Why are you still with him? Even loving him, why are you still with him? Because how is this going to turn out in the end? Sometimes you just have to fucking cut off what you love, man. Why are you still with him? Because I see our future together. The future of him dominating everything and you're not having a single say? That's the future?

No, I'm really hoping it's different. Hoping. You've hoped for a decade. I still have hope somehow. What's the interest rate on that? I think it's 5.99. It's not the worst. It's not the greatest.

Depreciated an asset. 5.09 on the Navy Federal. What is the Navy Federal? Oh. Oh, this is the Trump. truck that she thought was paid off. Yeah. Yeah, $1,721 and 466 with the minimum monthly payment of $365.68. Okay, cool. And it's actually worth like almost $10,000. So cool. We're going to have a car paid off pretty soon and we're going to have some equity.

It's going to be paid off in, what, like five, six months? All right. Cool. Because you can't tell the full truth. Why don't you tell us what's up? I just love that truck. Yeah, why don't you tell us what's up in here? What's in the statement? I didn't make any payments to it. I need to make more payments. He's passed due on the truck. How far?

It's almost paid off. Just a month. It's almost paid off though. And he's past due. We have money in our account that we can make those payments. I don't know why. I don't know how you can't make the payments or why you're not making the payments. I mean, I caught up.

Now. So you're okay with drop because you're going to have to with the, car that you wanted her to get that you now have to pay on and all this all this stuff you're going to pay off this car pretty soon if you actually make your payments you're okay which is driving this into the ground over the next 10 years nothing else yeah that was the goal when i bought the truck lies it also pulls my camera lies fucking lies i have someone in my ear ipad that had a conversation with you when you weren't trying to just look good because you're getting pushed back on i know exactly what you want to do and that is that is

a fucking lie. I want to buy another car. Yeah, what do you want to buy? A Tesla. Okay. And guess what? You guys have conversations. She says no, we can't afford it.

And you don't give a, you always win because you just do it. He's going to go get a $45,000 Tesla Model Y. He's just going to go deal it. And there's nothing that can be done. And that's just in your life now. And there's nothing you can do. You're going to deal with that forever for the next like, Six decades?

You're just going to let that happen. You're just going to be okay with it. I don't know what else to do. I don't want to tell you to leave, but... What the fuck, guys. What the fuck? Mortgage. Okay.

What's the house worth today? Pretty much the same as what we bought it at. $265. You owe $250,000,796. It's at a 6.65% interest rate as well, we're just about what we're getting. property taxes $2,185.61 cent minimum fee payment. No, yeah, that makes about sense with that interest, right?

Okay. Okay. One, two, three, four, five, six, seven, eight, nine, ten, eleven, twelve debts. That's a lot. Well done. And she has to sit and think about this and she wants to fix it. And then you won't do anything to do it because this is a great, healthy relationship. What's up with this checking?

account. Which checking account is it? USAA, federal, USA, classic checkings. There's 941 in there. What's the... I don't have the numbers. We've blacked them off for privacy. It's either hers or mine. I mean, I'm seeing like gas... What? Yeah, gas.

That's going to be the one that your paycheck goes into. Going and getting some bullshit from the gas station. Rojas Kitchen. Going in, getting something from the gas station. Go in and getting something from the gas station. Putters and gutters. Apple. Putters. and gutters. What the f*** even is that? Going in and getting to BS, putters and gutters. What is that? It's a

entertainment place. It's spent like $36 every second of your life there. Going in, oh, well, Target, I don't even know for 214. Who knows? Waterburger, ranch and home. Netflix, Apple cash set out, 80 bucks. Minky Courteau and

Smoke City. Who's Smoke City? Me. What are you getting? Oh, babe. Why? Why, why accumulate all his debt, half her name on some of the thing, get lung cancer, die, and leave her in the baby with it. You're very good at being selfish in this entire relationship. Good job. Apple Bill, Amazon, Spotify, Patreon. Texas Roadhouse, I guarantee you our YouTube membership has a million times more content

on a weekly basis than that Patreon, by the way. We've looked. We are for the most, I guarantee it. Apple, Amazon. Amazon. Apple. Onks maps? Oh, Onyx maps? What is that? It's a hunting app. That, I will say, was a complete accident.

So it's an annual-based payment. Yeah, that you can cancel. That I canceled after it came out. I attempted to call and told him I forgot, and they said, sorry. Well, yeah, because you followed the contract and paid for it. What the fuck did it? Okay. Went in, got some beer.

What are you getting from the gas? all the time. Energy drinks and snacks. Buying bulky. You're fucking. Starbucks. Okay, so who's that? Is that both of your spending or just his spending?

That's both of ours. What are we doing? That's so much money when we're supposed to be paying off this debt. Okay, 1,457 in this checking account. What's up with this? That's the one that my paycheck goes into. And it's just for bills. It looks like money just sent back and forth.

Yep, just both. 2,602 into this. What is this? That is a savings. That's our joint savings count that we used to pay the mortgage out of. So it's not savings. No. We have another savings.

It's a checking account for mortgage. It's just a separate account that we put a mortgage into. So we can't count that money for anything. Because we know your mortgage is $2,185 on a monthly basis. Okay, what about this savings? $2,300. That is our savings. Yeah, started $1,000 went up.

So you put a little bit of money in there. Well, we're paying 35, 36% interest on all the bullshit. Okay. TMRS. It's a retention. retirement savings. For which one? That's for mine.

12,000. Okay. Not bad. What about you? I have one as well. And? It's at 55,000. Not bad.

Okay. At least we got that part of us going, guys. At least we have that part. Okay. Okay. I, I, listen, I'll give to you a course career certification so we can hopefully find your situation to make more money.

And then that gives you the freedom to make a bigger life choice if you ever want to. Not that I necessarily want you guys to. I'm just saying. So whatever you want, we will gift it. Nine thousand dollars is our income. Okay, let's start figuring out how this budget looks like. And I can give you a debt payoff strategy potentially or how long it takes the payoff, but it all depends on the actions you actually put into it. And right now, I mean, you literally admitted at the beginning that you don't care. So minimum monthly debt payments is $3,400.000. $180.95. Not including the mortgage. Mortgage, we have 2,185.61. What about utilities altogether?

They're probably about 300 to 320. We'll do 320. What about internet? 120. 120. 120. Damn. Gas, room from Drive, drive for both. Hers would be different. So I have a company truck that I'm allowed to take home on weekends. But during the weekday, if I come home, I have to take my personal. Yeah, so how much gas on a monthly basis? I haven't driven my truck except today in the last month and a half. Okay, so no, nothing for this. Okay, what about you?

On a monthly basis, you fill up three, four times? It's like once a week. Once a week? How much a week? Like 40. Okay. $160. Yeah.

Car insurances. Oh, 372. For both? I think. I can check. I think it's $370-ish. Yeah. We'll do $3.72.

phone bill? 265. Got to do the fucking, ugh. Okay, but that's when it's paid off. Food. Baby's not on the day anymore, right? Yes, the baby is still.

Babies on the tit. Yeah. When do they get off? When they want. Yeah, but when do they get off usually? It really depends. It's different for everyone. The baby's 16 months.

When do you think it'll be off? Probably 18 to 20 months. So. She likes her nighttime snacks. For now. For now. We can do the food budget for 600. It'll go up when you have to start buying for her.

She eats lots of food. That are booby? Yes. So she only had... Yes. So she eats food during the day. So I've never had one. I don't know.

And nighttime snack is the only time she gets... Okay. Okay. Don't give him any. He doesn't deserve it. No booboo for him. Okay, well, she's just getting like snacks and stuff worth it and a little bit. Okay.

Okay. One of those 600. You can do $750. It should be good for you guys. T-P fun with the kid with what you guys need. It's going to be a little bit more. I'm going to call it $300 total. We got the diapers.

We got all that good stuff. It's everything you need to survive. $300. Medical health care. Anything on a monthly basis? No. Not really, no. Get closer to the mic, guys.

No. No, not that I can think of. You have pets? Yes, we have a dog. Age, health. He's in good health. He's four. Okay, you get pet insurance. I'm going to call it 40 bucks a month. No way you guys could afford a big thing if it happened.

How much for pet food on a monthly basis? Maybe $40. Anything else that needs to be in your budget that I've not put in your budget? Daycare. Oh, how much a month? $200. That's not bad. $800.

Yeah. Sorry. It's $800 a month. Everything in my head is weekly. You guys have room. This is your choice. This is literally your choice to be in this debt. You need $6,86,000, $0.56 on a monthly basis to survive.

That means for your normal month, you have $1,133.44. We'll just call it $1,000 for some legal room. $1,000 left. Okay. Now with your higher balance on that one thing, but also minusing the more. mortgage, you guys have $144,688 of really bad debt. By the way, I don't know this, but that's 144 months to pay off the debt. 12 years.

Wow. 12 years. Not including the home. Not including the home, no. So here's the thing. We either have to put in some overtime if that's an option to pick up even more and more and more. Do you turn overtime down? No.

We need to start looking at increasing your income. You have a good job. You're sticking with it and you're trying to make as much as possible. We're going to start finding another job for you or looking for a way to move up internally, which sounds hard. So maybe moving to a different place. But we need to up your income situation. If you're able to up this by $150 or an extra $500 on a monthly basis,

like, what was it, $1,17,000 of bad debt, something like that. I mean, that moves us down. Pretty substantial. It doesn't cut us in half, but it's pretty substantial. It's pretty close, actually. It's like two thirds of time. This is brutal. When something's looking well over a decade, when you make good money,

bankruptcy sometimes. Yeah. It can be considered an option. It's stressful. It's expensive, but this is a brutal situation. You guys can probably pay it down in eight years if you bring an extra $500 a month. It's difficult. We're going to get a second set of eyes on this with how brutal this is.

Again, the free therapy sessions take advantage of that. But also, I'm going to sit you guys down with Reed. He's who we work with him for our accounting stuff, but he's also a CPA and a big finance nerd. Let's see him and get him a second opinion. We'll pay for that session for you guys. And maybe there's another way out of this. That's not bankruptcy or a thousand billion trillion years. This is just brutal.

That's not honestly what I'm focusing on here. I'm focusing on the relationship and the relationship is a joke, and I don't know how you guys are going to survive together. I'm sure you guys are both lovely people outside of the financial situation, but finances, which is one of the leading causes for divorce in this country, I don't know how you guys are going to make you. You have the baby right now holding it together a bit more. I don't know what you guys are going to do a few years from now.

Good luck, and I just feel bad for you. I really do. Spending in a budget, you overspent zero out of ten debt. I mean, this is horrendous. Look how long it takes the payoff. It's going to be a one out of ten, though. This is low as you can get without having anything in class. or IRS debt. Emergency fund, there is a little bit there. I mean, I'd have a one-month

emergency fund or whatever it takes to cover your highest deductible saved up and the rest starts going to the debt. I'll give it a two out of ten. Retirement. Yeah. Okay. What did you say yours was? 55. You're 28. Yeah. If we're looking to one-time salary by the time we are 30, you're probably close to a six or a seven. I'll give you a seven out of ten. Okay. Well, and then you? What?

Remind me your retirement again? I think it was like 12,000. With where you are at 26 trying to get to that, you're probably about a seven out of ten as well. So seven out of ten. Okay, real estate, not much of an equity position, so it's not the best position, but it's okay at a five out of ten. It'll get there with time. Obviously, the retirement in real estate is what is going to lift you guys up and make you

look better than you really are. It's going to be a Hammer Financial score today. As you said, a 3 out of 10. It's because of those elements. Guys, join us in the post show. We usually find out even more interesting information that I don't know, but the producers know everything about them. So we talk about it there.

So join us thousands of hours of extra content in our Hammer Elite version. It's literally the best membership on the entire platform. We've proved it with the source that we are on. So in terms of value-driven, make sure to join that. And download the simpler budget app. Check out annual if you want that sign notebook. The Founders Edition will send it to you. See you guys in the Post Show.

What are you going to spend on this stupid fishing trip? I don't know. My grandpa wants to go. Get into it. I know I'm the problem. You've known you're the problem. The fuck, she's not like screaming at you and berating you. You're the one that screams.

He raises his voice. It don't take much to make her cry. I think there's definitely a lot of conversations that we need to get into. To watch the financial audit post show, click the join button below.