Financial Audit - Financial Audit’s Most Toxic Guest

Episode Date: May 5, 2025

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Get a quote or find an agent today at thehartford.com slash small business. To watch episodes of Financial Audit a week earlier, check us out on YouTube. What is this manipulation that we're talking about? He took my credit cards away from me. What would you do that? Why would you allow that? She just kept how in me and how to me and how to me. Since I've gotten pregnant, I do use that as a manipulation, I think.

Every weekend, prepared to have a fucking kid? I had no idea how bad this was. Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up to the annual version of premium and get my cookbook. and notebooks signed and mailed directly to you. Link in the description and pin comment below. Hi, I'm Jessica. I'm 25. Hi, I'm Brandon, and I'm 26 years old, and we live in Quinlan, Texas.

And this is financial audit. I think he's autistic. He didn't look at the camera while introducing himself. Thanks for coming in, guys. Okay. Well, everyone is these days. Let's start with you. You're in front of me.

What do you do for a living in Quinlan? I don't think I've heard of Quinlan, personally. I work from home. and it's your job oh well is that your job working from home yes no i do accounting okay for our credit card department gotcha okay credit card department at essentially an anonymous company that works for me yeah okay what are you making i make uh 24 50 an hour and then we get a yearly bonus what's the yearly bonus five percent how many hours a week are you working typically uh 40 to 45 okay okay so what hits your account on a weekly basis from your paycheck. We're married? Yes. Okay, well, it's your account?

By-weekly, we get paid and I get about $30, no, sorry, about $1,600 every two weeks. Okay. What about you, my man? What do you do? Essentially the same thing, same company. Same jobs and company? Working remote? Yes. We do have to, it's mostly remote. We do drive to the office. I go in on Fridays. She goes in twice a week, Wednesdays and Fridays, but as of right now, she's pregnant. Oh. Yeah. So she's pregnant right now. So she's

working from home. Okay. Yeah, that makes sense. Okay, when's the baby? July. 15th. I will see. So okay, good job. First one? Yes. How long ago we've been married? A year and a month.

Okay. What's your pay? I'm sorry, oh, 2350. Why are you paid less? Well, honestly, she's been there longer. That's the only reason, really. Fair enough. So what hits the account from your pack? About 15.

Yeah, so you said you were 16, right? Yes. Okay, so you're about 1,500. So with that, 3,000, so we're talking like $6,200 on a monthly basis. This is a small town, right? Because I don't think I've heard of it. Yeah, it's a pretty small town. Nobody knows what it is ever.

Okay, so there should be no issue yet. I mean, obviously, lots of substantial issue. Yeah. What's going on, guys? What's happening? Well, the baby, I mean, if you guys are living whatever kind of life to get in this kind of debt, you're even close to prepared to take care of the cost of a kid? It's not a cheap situation.

No. Yeah, that's the main reason why we're here. We really want to get the help to be able to be able to. So what are we done? What's the problem? That, this is pre-baby. this is everything's pre-baby it's not here yeah but I'm saying your existence right now is pre-baby um I just made I just made a lot of like bad decisions financially she wears the pants

she takes she takes care of all the finances so I just kind of I just go to work why aren't you participating or why don't you let him participate what's the I do let him participate right then why aren't you participate He just gives in to me You're about to be a dad Yeah Okay So if it's a he just gives him to me

Does that mean she's the fuck up She's manipulative Um I will Okay Yeah I mean I can manipulate a situation If I need to I will Yeah Okay

We laugh about it and then immediately admit That's weird okay That's shocking What the fuck are we talking about? Huh? That was shocking I didn't expect that Why did you say that?

Because well like You giggled about it Was that an immediate Coke giggle or are you f*** around? For an instance, just small instance, like, it's not anything like crazy, but like the other day, like she really wanted some McDonald's. And I was like, no, like, we don't need to go get it or whatever. We don't need it. We've got plenty of food here.

We just went grocery shopping like earlier in the week. And then like she just kept hounding me and hounded me and howed me and howed to me. And finally I gave in and I went and got her some freaking McDonald's. What are we prioritizing right now? I mean, on McDonald's order, right? That's not make a break for our life. And I'm sure you make a well above the media income. So obviously you guys should be doing pretty well.

Yes. What's the issue? Well, one of the things that really made our finances go or get us in such a big hole was the wedding. That was a year ago? Yeah. You can't, no fucking way. Listen, I don't know your finances. I can go blind with the audience.

I see credit one at the top. The credit, a credit one is the worst of the worst of the worst. No way you're just in. just mountains of credit cards because of just the wedding. It has to be more than that. Also Christmas. It's not just the wedding. Wait, you don't have a fucking kid yet.

There was at least $11,000 spent on the wedding. Oh, I thought you were going to say Christmas. No, no. But I mean, I'm sure there was like at least $3,000 probably spent on Christmas. What is this manipulation that we're talking about? I want to hear more about that because it can't just be on McDonald's. I'm not going to listen to that. That sounds like an immediate deflection, you know.

It's just, it's just, like. like she wants something she'll want something and then like if i tell her no like we shouldn't be doing that she'll just keep bringing it up bringing it up and just keep hounding me for it and then eventually i just what like how often and like okay you brought up the example of macdonald's but like what's the like how often and like how substantial like with the christmas stuff like i didn't want to like go all out for like christmas or anything and i didn't want to spend any money at all as much as little as i possibly could and then she was like well we can't feel like or we can't be pieces of so I'm going to put it all on my credit cards and get everybody gifts I will say that also like

since I've gotten pregnant like I use that as like I do use that as a manipulation I think like I'm acknowledging this and why aren't you just stopping I mean like usually if someone's manipulating it's one person saying They're manipulating me and the other person saying you know and you're like, no, yeah, I'm manipulating it. So what the fuck are we continuing it? Well, B, we just started having conversations about this. Okay, tell me about your guys' conversations when it comes to finances. What are we doing?

So he doesn't, he doesn't do the bills. I do the budget for every single month. Every single time we get paid, he doesn't touch it. But why do you think? He suggested it's because you just take control and then do whatever you want. Is that what you suggest? Jess said? It's kind of what I heard. I can't say

100% like she just does whatever she wants. So then why aren't you participating? Because you're about to have a kid or you're not going to participate in that? Absolutely. Okay, so why aren't you participating in the households of the finances of the kid? The house that the kid's going to live in and grow up in. Now I... Now five days before coming on. That's what always happens.

So I don't give a fuck about that. Let's talk in the most reason months, right? Now is nothing. You were coming on the show. You knew you're coming on the show. You went through the onboarding process. This is a multi-week thing. I don't give a about that time. That is nothing. That is nothing. Since we've been together, I've always done the finances. I've always done our budget and I've always, I can't even really say budget because somehow it, not somehow, we blow it out of the water every single time. I want to know why. Why

just you? I feel like I'm not getting an answer. He doesn't spend money. Like just point blank period. Like if we're spending money, it's mostly my idea. The main reason why she takes care of the, The main reason why she takes care of the budget honestly is I'm not really that like, I guess I'm not, what's the freaking word? Savvy? No, it's not savvy. She's calling you. Patient enough.

I'm not patient enough to do it. She's just better with it, so I let her do it. Okay. Again, let's talk about going into fatherhood. You're not impatient enough to look in numbers? What the fuck are you going to deal with a toddler? How to work on that for sure. Yeah.

Yeah. We set goals every single month. We just end up doing what we want. What do you mean? How is it? How possibly are we able to use the word we if you're the only one that looks at it? Because I take the goals to him and I say this is how much money we have. This is how much money that we can spend on this.

And then he says, okay, that looks great. I'll pay whatever I pay towards the bills. And then we end up spending more than what I've allotted. And then we fuck ourselves. then why don't you step in? I try to. What do you mean to try to? Walk me through that.

I am trying to get a baseline here. I need to know. I need a little peek inside of what this money relationship is like. You try to. What does I try to? Well, and how does it go? So I do try to keep us from spending more money than we need to.

Again, just a lot of the time we go, anytime we go do something, if she just wants to, if she wants to do something, like, if she wants to add something to like the itinerary or whatever, than like...

Is it really just going and doing things? That's it. That's it. It just comes down to that. It's like we're on a trip or something and it's just doing things. What is the it? Like we're going to Target that all of a sudden McDonald's got it? Is that what we're talking about? We're talking we're going to Disney and now we're going to add a new park. What is this? We're adding to the itinerary. Because that's vague.

Well, I mean, being on the same... Being on the same account, it's kind of hard to manage, like, who's been and what. What is adding to the itinerary? Oh, well, like... Like if our friends call and they're like, hey, we want to go out to dinner or we want to go see a movie or we want to go bowling, he will be perfectly fine with just like sitting at home and I have FOMO and I don't want to not participate, so we go do it. Is that adding things to the itinerary? You said when you were out and about.

I mean, yeah, that's just like, I guess that's part of it, yes, but like that right, there honestly is most of it, I feel like, because I... How often is that? I, well... Almost every weekend. Yeah. We're doing something every weekend. We're doing something every weekend.

I'm prepared to have a fucking kid. Financially. I mean, no way for coming on this show. Please tell me. Please tell me some of this is a fucking mortgage because we are six figures in debt. It's all bad debt. Yeah. Oh my, we're about to go through a thousand fucking documents.

Oh, for a fuck sake. We're going to be. here for an eternity. What is this? One, two, three, four, five, six, seven, eight, nine, ten, eleven, twelve, thirteen, thirteen, sixteen, sixteen, seventeen, eighteen, nineteen, twenty, twenty, twenty, twenty, twenty bad debts. Not a single fucking mortgage over six figures. What the fuck are we doing? No way what you guys are talking about. No way what you guys are talking about is even close. Is even close to insinuating how bad this actually is. I had no idea how bad this was. With everything you said so far, I was expecting a look at this sheet that gives like a fucking recap of what all your debts are.

I was expecting to see $20,000. What the f f if we done? What are we holding these? What have you done? And no. How much was the wedding before you answered? You said like $15,000? $11,000.

$11,000. How are we over six figures? That would be 10% of the shit. What the fuck has happened? We have a kid coming. Right. Yeah, we, okay, so we do have a mortgage, though. Yeah, that's two of those.

That's two of those. Two of those loans are for our mortgage. How much? I think one is like 11,000, and I think the other one. And then the other one is like 20? No. So it would be 20% percent. So still 70% of it.

It's all, you bad debt? Basically, yeah. Oh, my. And both of our cars. Well, that's a second. Not as bad debt probably depreciating asset. I don't give a... Listen, you're probably in a situation where you live in a low-cost,

live in area where you make maybe double the median household income, and you've gone to this extent? Yes. Why? Just bored working from home all day? You just... Can I have to whiteboard? Can I have to whiteboard?

I want to see you guys do something. You're going to collaborate on this. You're a kid is coming. I need you to write out each category of what this kid is coming. going to cost and a fucking just what you're going to spend on a monthly basis. Number next to it, the category, what you think it's

going to fucking cost? A talk. Talk don't dominate. Bring them in. Okay. Bring them in. So you got diapers. You got, I don't know, I mean, planning on breastfeeding, so don't really have to worry about formula.

We don't have to worry about formula, but there's like breast bags and like containers and stuff for like the breast milk in the fridge. So, okay. I would say feeding probably like $100 a month. If the breastfeeding works out though.

Yeah. Because it doesn't work out and then we have to pay for formula, which that would be a way higher number. And then like clothing and diapers. Diapers, yeah. Diapers, YPs. Probably like, I would say. I mean, how much is the box of diapers? I don't know.

Maybe you should know about to be. dad. Yeah, I know. It's like, it depends on the size, but I would say about 50 bucks for a box of diaper. So, 50 bucks, I'll say. And then this is gonna sound I don't think that there's much more than this.

You guys are not even close to No, because we don't pay for any, we're not, we haven't had to pay for anything for him. Who, who him? The kid here? Our son. Yeah, but you're about to. You haven't looked things up? No, we hear of. He had, but what I'm saying is, is like, these things are going to, are already covered.

Elaborate? Okay. Like, he has, like, six f-fing sets of grandparents. So, like, we've literally not purchased barely anything for him on our own. It's, no, I mean, you're talking about all the fresh stuff coming. I'm just talking about a monthly, monthly, yeah. Oh, okay. But, I mean, honestly, I really don't fully know what else.

clothing I guess he's gonna grow out of clothes quicker because he's little diapers wipeies formula if necessary okay so we're thinking okay let's start writing it down clothing I would say probably like I would say like another $50 a month maybe because he's little so it's not gonna be like they're not super expensive yeah and then feeding diapers clothing that's all I could come up with it honestly Oh, doctor's visits. Yeah, doctor's visits. That's actually crazy.

Yeah, doctor's visits. Wow. Okay. I would say like $100 a month. At the least. Probably way more than that, actually. It's a freaking doctor. Okay.

So it's expensive. You guys not know what it costs? Well, I know that every time she goes for like her checkups right now, it's like 60 bucks a pop every time she goes. Unfortunately, she has to go like every two weeks or three weeks. So it's like, it's at. Are you guys prepared for the cost of the birth? earth? No. No. No. Well, I don't know if we're even going to have to pay because I had to have a

surgery for this pregnancy. That was pretty expensive. Already? Yes. How much? $4,000. Okay. I mean, it's kind of a walk in the park compared to a lot of medical costs. Yeah. But it comes to this kind of... But I'm saying, like, I'm pretty sure I've already met my deductible for the year. well is there a better split or like a better split after the deductible or are you fully out well like it's there's no out-of-pocket cost after i've not a single cent for you okay yeah yeah usually uh with a c-section after insurance typically looking at 3,214 or just OG classic flaps going in the wind

Baby flies out 2,655 After insurance Typically Typically So what do we got Is that your total What it costs to raise your kid on a monthly basis?

Yes I'm confident What are we talking? He's looking like 300 bucks $350 By the way How much you guys spend Just like

Just You know For around Well On a monthly basis Go on to each Just random miscellaneous these bulls. Things, no, matter. It's full bull.

BS. B.S. Spending. Oh, too, too much. I can tell you that right now. That's not a number. Monthly, I would probably say at least $1,000, probably. $1,000. Okay. $1,000. Yeah. By the way, USDA says 22,535 is the average yearly cost for a newborn kid. That breaks out to $1,87 on a monthly basis. So good luck with that.

But also, by the way, spent $1,652 on bullshit. This last month. You're only getting worse into debt. We know how much comes in. What was your total spending? What's your total spending? We know how much comes in, $6,000, $200, what was your total spending? A kid on the way preparing, doing better.

He's incorporated now into the financial talks, right? What do we spend? My big guy, you're so informed. You're in the conversation's now, right? Yeah, well, if I'm not mistaken on, for that month, it was, at least I want to say $1,500. No, like for the whole

Oh, like for the whole thing. Oh, okay. DJ Colorado's knowing what he was talking about? What the fuck are we doing? For all of our expenses? Yeah, I think it was close. Including debt. I think it was close to like, easily like $7,000.

Okay. Probably $7,000, $7,000. Yeah, $8,000. So like $6,200 comes in. We have a baby coming on the way. We don't know if there's any more expensive to come to the hospital. Good luck of $49 a month.

us let's spend $1,800 more than we make. Sounds like irresponsible for your parents. It sure does. It does. It does. So what the fuck are we doing, guys? You're the one that dominates it, so you should know this. You should know the number.

You're participating in the conversation. You should know it. You should know the number. What are we doing? Obviously not doing good enough, that's for sure. Okay, that's bull. Come on. What are you doing?

You're going in there. You're not putting in the actions, even though you say you guys participate in the financial conversation. Where's the participate in the financial conversation? conversation. Okay. What happened? Blows your mind, right?

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She's shocked. Shocked the tears. What? What's going on? What's going through your head? It was just like a lot more money than I thought. Thought, but you're the one going through it. That's what he said.

That's what you said. How could you be so wrong? When I write out our bills every month, like I don't even know how we could even spend that much money if we don't have it. Debt, credit cards. And how don't you know? Because I participate in this now.

I'm in the conversations. That's what I had. So I know that you know, she has multiple credit cards and those, I can't see anything that happens on those. So with that stuff, I don't know what she spends on that. Wait.

What the fuck? Wait, how? No, no, no. We're not having a household financial conversation if there's like documents that he can't see. What? I don't see his credit card statements either. What? What?

So we're not having a household... What the fuck are we doing? So we're not having a household financial conversation? We don't know what's actually happening. That is so different. So you only look at the joint account? That means nothing. That tells you a third of the picture.

How can we possibly know what's actually happening if we don't know what the fuck is actually happening? This doesn't make any sense. If we can't see two thirds? If we can't see two thirds, how the fuck are we guessing what the full pie is? No. spend on his credit cards, though. So it's just you?

Yeah. Then no wonder we don't know how much is being spent. Right? Yeah, I mean, I don't know. There's a lot of credit cards on there, though, that we don't use. Like, we use them. It doesn't matter as long as you still use some. It's not a game where one credit card not used plus one credit card used equals no credit cards used.

Right. That's not how this works. I don't know how we're going to survive When just the bullshit Funding the loan is like what the average cost for raising a kid on a yearly basis What a newborn is And yet we're still, even with that, spending $1,800 more than we bring in

How are we ever going to make progress? How are you ever going to be able to retire without putting your kid's life on hold? Are you ever going to be able to pay for their college, trade school, whatever you want to do? Sports activities, good luck. Vacation, take the kids at Disney? Not going to happen. Are you going to take them to McDonald's at this rate?

Your credit cards will become max out then there's nothing. You guys aren't close. This kid's coming regardless. Yeah, he's definitely coming. He came and they come. That's how this works. And now there's nothing we can do. And we are beyond ill-prepared.

And not only that, but we talk, we talk. He's incorporated into it. And yet we're still in the situation that we don't even know about. And it's only getting worse. 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. WRIFI says, Chill out!

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which is a shocker, right? In finance, that's something as rare as me not slam in a desk every episode. What? So if you're done fantasizing about robbing a bank, do that. By the way. But just check out Y ReFi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to y-re-f-y-f-com slash hammer.

That's y-refi.com slash hammer. Or call AAA-Y-refi-78. That's AAA-Refi-78. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till your 90 is not the retirement plan you dreamed of. Well, so what I've done, though, to kind of help and what I'm trying to do now, is I've started working so my my dad and my uncle both own their own mechanic shops and so I go and I do help them to try and in an interim situation you guys make

well more than the area you're in it's not about that you could go make seven thousand hours a month and yet you still spent a thousand hours more than that it this is all spending is a behavior this is your f f f f f you spending was so stupid listen you guys before you leave This studio, you are downloading my budgeting app. Download it, link in the description else for everyone, but download it. I'll give you the cookbook so that you guys can cook. Again, the annual people out there get that.

So it's like, we're giving you all the resources, but you get them for free. You're going to take that. You're going to go through our budgeting course, our investing course, all this stuff. You need the budgeting and debt courses first. You guys go through all those hours and hours of the best content there is, best education, take the quizzes, do everything, okay? You have to. to be on this.

Tens of thousands of people have done that. Tens of thousands of people, a thousand people a day take the app. Okay? Thousand people a day download it. You guys can change your life like they are. You guys have that choice. Right now you're not.

Right now what you're coming in with is borderline disgusting. Yeah. To be clear. With a kid on the way, disgusting. Join them. Change your life. But it's only your choice. I can't do anything.

I can give you the resources. I can't hold your hand. In fact, studies show that when people pay for it, like when people sign up for the budget, sign up for premium all and stuff, they're more likely to use it and change their life than people who get it for free because they put the investment into it. So they want to get more out of it. You guys have that choice. All right.

I'm going to go three, two, one, go, because I'm going to start getting into these because we're going to be here for a thousand years. On go, so three, two, one, go. You're going to give me your household financial score together where you think you guys are, zero to ten, zero being the worst, ten being the best. 10 being the best, okay? Same time. Three, two, one, one.

Okay, so we know we're... That's good. At least we're on the same page as that. So, guys, want your hammer financial score? It's free. Take the assessment, see where you stand. Go to Calebhammer.com or click the link in the description below. It's pretty fun.

It's pretty quick. And you'll see exactly where you stand in the world of money. Credit one. You want to know where you stand in the world of credit or money? If you have credit one, You're fpped. That's essentially what that equals. So what's going on with this card?

That's my card. Okay. So it's the card that is probably spending then if it's not yours from what I hear about it so far. It's mine. Why do you spend on a credit card that is basically the worst credit card of all time? I have them all. So he took my credit cards away from me and put them up. And when...

Do you not realize just how insane that is? that he had to do that. Do you not realize how insane that is that he had to take your credit cards away and hide them? Right. But. An Easter for credit cards. He, if not, like, we decided that we were going to pay them all off, so we just put every credit card that we had away. So that's why this one's maxed out in your door-dashing Taco Casa.

Yeah. But it didn't last for very long that he had them all. Oh, for sake, why? tell me. Oh no, what possibly? We paid them all down, majority of them, and then before Christmas. And then I got them all back for Christmas. Well, what would you do that? Why would you allow that? There wasn't really a conversation. You gave a fucking crick at it. There wasn't really a conversation about it. He, I just, like, slowly. Oh. Why didn't we, like, chop them up or destroy them? Why did we still keep them? What was the intent of keeping them?

They're not collectibles. I couldn't tell you. Well, trying to tell me something. I would like an answer. I should have cut them up, honestly. Why didn't we? Oh, come on. There was a reason we didn't.

Because I feel like I, at some point, they might be needed again. Why? Why? Because we're not there yet, but we have two other credit cards that are his credit cards that are completely maxed out that are like huge limits. And smaller ones, I feel like would be there for an emergency. I just haven't been using them for emergencies. I use them out of convenience. You guys, like, way too much money for this to be an issue in your area.

Fawks sake, what are we doing? Okay, so you unlocked it. Christmas unlocked security cards. So we're getting DoorDash Casa Fudo or whatever? Yes. That's not me. So what the fuck are we doing? This isn't Christmas.

No, it's not Christmas, but I was hungry. You having a daily Christmas on DoorDash? I was hungry. I wasn't home. And that was the first card I pulled out. in my fanny pack. Where were you? I was at my friend's house, I believe.

Why didn't you get a snack from your friend's fucking pantry? Because she like eats weird. I don't eat what she needs to eat. What the fucking you're talking about? What does she have roaches? Like what are you talking about? No, she's just like, she's like a salmon and like. You can use some salmon.

No, I can't have it actually because I'm pregnant and it's got a lot of mercury in it. So I can't have it. Well, don't have salmon then. Yeah. I think she had more than salmon. Probably. And I probably. probably just really wanted it and I got it.

There it is. There it is the real answer by the way. We wanted Casa Fudo Fudo Casa Mi. Yes. It's very good. And I really love it. And it's not in my town. So when I go out of to that town, I always get to Taco Casa. Make yourself a white girl taco.

You'll be fine. It's simple, easy. A little taco seasoning, cheap meal. That's what I had growing up because we didn't have money. White people tacos. It's pleasant. I did too. I've had it before. Good. Then do that. instead of Casa Mefudo. Whatever the, what is it? Taco Casa.

You've never had it? The fuck it's a Taco Casa. You need to have white taco Casa. It's literally basically, it's just white tacos. That's all it is. So what the fuck are you even getting? I get a Chilada. It's the convenience for her.

It's the convenience of waiting for DoorDash. You know what you spent $30 bucks on that, and then you have Amazon music. Yeah, that's because we have an Alexa. And it works with all the other streams. services either way. I didn't know that. I felt like I thought I had to have

Amazon music for it to work with the Alexa that we had. Because that's what it would play on. So tell me, we spent it down. Right? We paid it down. Right, guys. Yeah. We paid it down. So why the fuck is it all the way up? It wasn't it all Taco Casa?

I'm sure a lot of it is Taco Casa, but I do know that I spent a, a lot of money on the credit cards because we literally had no money. They said you spent $500 on clothes and also the car breaking down and then also massages. Massages? Yeah. This is just from February? When you're in Colorado, I guess.

Oh, yeah, yeah, yeah, yeah. Okay, yeah, we took a trip to Colorado and, but I affirmed the $500 for clothes. That's not on that credit card. But I did use that credit card while we were on vacation. but that was in 23 so that was already paid off we paid that down and then I built it back up

for what? Because it's at the balance it's at a fucking balance of $1,114. $35 from being maxed out by the way. $35 from being maxed out. He shakes or said no. I mean what?

Do you have no say? No, I'm shaking my head out of life. Are you not able to have a conversation with your wife and be like maybe we can't do this? And if you do, is she the right wife? Well, she better be there's a kid coming on the way. So what the, like, what are we doing? No, I was just shaking my head because I was just like, like in disgust that it is so high.

Yeah. He does not see my credit card balances. Why? He's not on there. Yeah, but why did you guys go over, fucking statements or again, have a joint account on, like, the budgeting app? We have a joint banking account and a joint savings account, but we just don't, like, he has his separate credit cards. I have my separate credit cards. Why don't we come together, though, guys?

I'm trying to think that on a monthly basis. Why don't we come together and talk about what are our accounts or do? doing? Why don't we see what the house is spending on? Spending. You know where the money's going? I just don't, I truly just don't think I have the discipline. Like, I just wasn't doing. I would literally sit down and I would be like, we have this much money and credit card debt because we, like, we keep spending on credit cards. And then, you, me. And then, okay, he's like a willing participant. Can I just say that? Like, it's not like, I'm not like holding him hostage with like a gun to his head.

Tell me how this participant is willing. Because I can, I, like, on this card, for example, in July, we went to, um, there's like a lake that by where we live. And we got. It was like $300 for a three-night stay. You, why don't fucking commute there on a daily basis if it's near where you live? What the fuck are you doing this? We ended up getting a cabin there for. Like the whole family was staying out there.

So we all stayed out there. He knew that I was spending money on it. So, like, it's not like I spend money and hide it and then don't tell him. Like, he knows that it happens. And also, like, I'm pretty sure there's another credit one that she has that she didn't send. I'm pretty sure she didn't send it. What? Yeah, there's.

I already have a thousand trillion to go through. Yeah, there's a, there's two credit one cards. It's another credit fucking one? Yes. Oh, it's on your phone? Yes. Oh, can I see it? I know you like free things and I'm giving some things away for free right now.

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If I just had no morals, man, should have just been a credit card company. I should have just made the worst pedatory credit cards and sent them to people's houses because the whole baby, it works. It's fucking works. People don't give a shit. Like, oh, shit.

I nutted in you? You're about to create an expensive living thing that I need to take care of. I better go max out of my fucking worst credit cards ever created in history of the world. Yeah. Did we even plan? Was this a plan?

Gosh. The baby? Yeah? We did try for them, yes. No preparation at all? Honestly, not really, no. What about the kids? I grew up in a house

where it was to struggle after struggle after struggle financially for the longest time. It wasn't bad in terms of like a bad place to live or anything like that. My parents went into debt together to show to put on a show of a good life cell, but man, I saw them stress. And it is not the place you want to put them there.

It was not the place you want to put the kid. But yeah, that's exactly why I honestly, I didn't know that she was going to sign up or to try to come here and I'm honestly glad that she did. Really? Yeah, I didn't know. She told me like, she was like, Did you know about the show? No, yeah, I didn't know about it. She started watching it.

And then she, I can't remember if she signed up and then told me or if she told me that she was going to sign up for it and then did it. But I'm really glad because I do, we really want the help because we want to be able to give our kids. And I can build a budget and give, you know, budgeting advice and connect you with resources. But man, you again, you guys said you've been fixing things. But look what you're coming into. Again, it's $1,800 over. Okay. So $769.99 on this.

Why didn't we have a statement for this? with the $39 minimum payment. I think I saved it. I just didn't, like, I left it out when I sent it on accident. Okay, so most recent statement, let me see this. Luckily no purchases, but again, it's not that far from the limit, and there's endless fees and interest accruing. And it's brutal, man.

Just the same amount of interest and fees this year so far, essentially as the other one, so you're just doubling up. How long does this one of $769 take to pay off? just minimum payment only, which is all you're doing, by the way. I think it's four years. Three, but it's still for just $700. And it's not like it's an insignificant amount of money. But it's ridiculous.

Yeah. It's ridiculous how long that takes. Why'd you even open this? What's the history of that card? I opened them when, like, I, the thing I struggle with most, I think, is, like, missing out on something. or like people thinking that I don't have money. And then I've... Well, you probably don't based on your guys' life.

And we went on a Gulf Shores. We went to Gulf Shores last July. What, like Alabama? Yes. By choice on purpose? Yeah, we were there. Have you ever been there? Have you ever been there?

We went for Fourth July weekend. Okay. So we opened Credit 1 to do that? Well, it was already open then, but I wasn't used... I didn't really use it until we went on that trip. And then I just... Did you put the whole trip on the card? Well, my parents paid for our stay.

Then what the fuck did we talk? So what happened? But like we rented a boat and then... And that went on the card? Yeah. Oh, for the sake. So parents pay for the stay yet we decided just to just... What are we trying to do?

What are we trying to do? I just want us to be able to be like in a good place for our son. Yeah, but are we willing to cut back? Because every Every demonstratable fact of your spending would say no. You say the words yes. I appreciate it. You said this place was steps from the water.

We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now.

Book on Hilton.com or the Hilton app. and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Appreciate that. But everything says no. I want to.

I definitely am willing to do. So what are you going to do if your wife doesn't? Well, for starters, I'm definitely going to take those cards, and then we definitely need to... Look what happened last time. We need to cut them up. Listen, okay, you taking them, that doesn't change your behavior. It's my issue.

She'll just displace it somewhere else. Checking account. open up a new credit card. Friken start taking out hidden little loans. Like, this is what happens. You'll start paying for in everything or something. Like, I don't know.

Taking the credit card, yes, you shouldn't have credit cards. You're not a credit card person. I'll let you use the FIS card because it only lets you spend it's in your checking account so it works like a debit card. I'll allow that one. But other than that, yes,

you shouldn't have a credit card. But that doesn't fix the behavior. Right? I'm hoping that after today that she'll have a different outlook on it and she will fix the behavior So TIT? Like I usually don't cry like this

All the time I don't know if it's because of Well I don't know but so far You're the problem now I know But I can't change it now Like I've done it

Yes you can But I'm saying I can't change what I've already done Yes but this is what you did like walking into the studio Yeah this is the most recent stuff I'm not going to go freak The golf shore thing, fine. It's good to know some context. And I'm not going to dig into you and go crazy about that because I was a little bit

ago, right? But literally what you just did probably on the fucking way. She told me she's getting McDonald's on the way home. We already talked about this. Yeah. Like, fellow fat f*** bonded. Luckily, she's pregnant. I can't use that excuse.

Like, oh, I want McDouble. But either way. But either way, I can afford it. Right. Caloric wise, probably not. But I can afford it monetarily. and you're just going to go get this? No, you're not changing.

Sounds like we're not getting McDonald's on the way home. Yeah, says you. All right, Bank of America next. What's up with this? Those are mine. The Bank of America card, we, so it was in 2023, we took out personal loans to pay down our credit card.

Oh, so we've done this multiple times. Oh, fuck. Yeah, but you also paid off your cards right before Christmas and then built them all the way back up. I'm counting that as twice. Yeah. So what the fuck guys? And so we had them paid down. Then we started planning the wedding and ended up using that, using those cards for the wedding, like stuff that we needed for the wedding.

And that's how they got racked back up. Buddy, it's less than $30 away from being maxed out to $5,000. $1,000,000, 5. How long does this take the payoff? Can someone tell me? No clue. Well, I'll tell you your kid will be in college. So what?

Yeah, 20 years. 20 years. Your kid will be in college. Until you've paid off a card for the wedding. Come on. And no way it's only for the wedding that happened last summer or whatever. No. Because no way it would be if you're making minimum payments on time and everything.

would it be less than $30 from the max? Mathematically, we would not be there. So what the fuck is going on with this card, guys? Because you didn't purchase as much. My wedding dress was $800. And then the alterations on top of it when I ordered the dress were $200. So that was $2,000 right. Yeah, but that was by the wedding.

If you were not spending on this and you were making minimum fee payments since the wedding, this would be a little further down than it is now. You would not basically be at the fucking max. And also, I think we might have used that car. too because we you what do you mean use use the card on what we purchased on the card because i think something in our house broke i don't remember what it was and it was like we used it at home depot oh no no one of on one of those cards we did use to um kind of redo the office area because it was like the floor was really bad max our credit cards and you're redoing a fucking office i don't

care about the office it was my idea let's keep that in mind that was his idea he was I'm not a competition for being a fuck, but okay. I got you. How much? I think that one was, I think at that purchase was like 500. What did you do to it? Oh, we did, I put carpet down, we repainted. So you did all the labor?

Yes. Good. You did all the labor? Well, me and my dad and her help. Did you pay your dad? Yeah, her dad, no, my dad just helped. But I mean, that's what that's a, that's a, yeah, she helped and then her brother helped as well. How much is your wedding dress? I don't even know what it costs. What

you just spend on that? I spent $1,800 on it. Okay. Plus the 200 alteration. I think it was... What was the alteration? Because I'm so short. So... Stop. Yeah, I fucking wish. I was taller. Um, but I'm so short so I had to pay when I ordered the dress for them to cut the dress to length for my height. How tall are you? 4.11. Okay. Same with... Our head video editor, Mika. We'll put a picture of him on screen. He's micro-dick height. What the fuck?

$146 a month on this card. Brutal. I mean, you opened it in 2019, it looks like. This is insane. It's not going to be paid off for 20 years. Only making the minimum fee payments, $97.30 of interest accrued. One month. Guys, I've had a fucking late fee this year so far.

Yes. What? Um, what? So with that late fee, and it is truly my fault. Um, so for some, I can't figure out like a way, like, I can't have it figured out how to like get it to like automatically come out. Call them. Okay. Well, I didn't.

What? Can you not figure out that solution? I should have. I, yeah. What the fuck? How are you operating in society? If you don't know how to make a phone call to a bank. Okay.

Well, the story is. Oh, you're. This is the, you want half the DNA of the kid to be someone who doesn't know how to make a phone call? Yeah, it's already done. Oh, okay. So, what happened was... What happened is you couldn't make a phone call, but go ahead. I typically pay them on time.

I usually don't ever miss. But, um, I believe, so typically I pay both the credit cards at the same time. Uh-huh. The first one... And you didn't. They, they come out different days. So the first one, I don't. I paid it. We didn't have enough money to pay the second.

Why overcomplicate this? Why over? You didn't have enough money in the checking account? Why? Probably because we spent $1,800 more than we would get on a little basis because we don't care about anything. We were running low and so I didn't have enough money to pay it when I paid the other one. And then truthfully, I completely forgot about it until I solved it. It went over to do. Auto pay. Phone call ring, ring. Hey, bank. Me, I'm stupid. Please do it for me because I'm a little baby. That's what we do as adults. When we can't manage things, we at least. least use the systems in place.

What? Yes. Okay. Okay. I don't think we've ever missed a payment before that payment, though. Doesn't matter. You miss the payment. That's all that matters.

You missed a fucking payment. And I honestly don't even believe that. That we've never missed a payment before? Yeah. I don't even believe that. I really don't. I know on his credit cards, he's never missed a payment. I'm pretty sure I've missed a couple payments on my credit cards, but...

What? That counts. Does that not count? Okay, but him. What? No, it's just, she said that we never miss payment and then she just said that she missed payment. I agree.

What the fuck? Yeah. Well, I have a Victoria's Secret credit card and they never. So that means you don't pay? No, they never send it to me in the mail. And I, they would. You rely on the mail? It's 1800.

We're paying our credit cards via mail? They never sent me the card or the information. Like, I don't, I didn't even have an account number. You get an email usually. I didn't. They didn't send me anything. You can also do that thing where you call. Well, eventually they called me after I missed...

Why'd you wait for that? Like a fucking child. I just didn't think about it after I got it. Then you don't get it. Yeah, $350 in interest on this card alone this year. All right. More Bank of America. What's going on with this card?

I see. Purchases on a card that is basically maxed out that takes 18 years of pay off that interest is accruing that we certainly can't pay off right now. purchases what's going on I believe that one like I said one of them was primarily wedding the other one dude I don't give a fuck

there's purchases on it what the fuck is happening like you used it recently the wedding happened the wedding's long time ago I don't give a fuck it's basically maxed out you know what so that card does have a lot of money on it it already did but for some reason when he was going to Walmart with our debit card

his debit card wasn't reading, like, it kept, like, denying the card, and then he would have to use the credit card. $4,467.88 with a minimum of $1,17. No, I'm saying that's why there's purchases on it now. Those two cards, like, are off limits. We don't touch them unless. It was family dollar. Okay, well, then I don't. See, I always know for a fact they don't know what they're talking about.

Unless you wouldn't be in this situation. Like, what the fuck? Because I didn't use it at Family Dollar. I don't remember I lost that card for like a year. Let's talk about a tool that pulls Thano snap on your bloated software stack. High level. If you're juggling a separate CRM, funnel builder, email marketing service, text platform, and appointment scheduler, you're probably spending hundreds a month and half of your sanity.

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I've teamed up with them to give you an exclusive 30-day free trial, double than the usual. So if you're fed up with software chaos, this is your sign. Jump on high level, consolidate your toolkit, and watch your monthly bills shrink. Well, then I honestly don't know what's going on with that one then. Because I have not used it. I'm pretty sure you used it for, for, because you came home complaining about how you had to use that credit card because you didn't have. I remember that. I remember that happening.

So what the fuck do you mean that you don't know? I'm so confused. Like, I do remember having to use it because my credit or my debit card didn't work. but I'd never just especially recently that was like months ago that that happened I haven't used it I haven't used it recently

so I don't know I don't have access to that credit card for me to say that I use that credit card you have your credit cards so you had to have used it I don't know if it was an auto draft purchase that you have on there I don't know

but I can tell you for fact oh okay well I don't know but it was you that used the card so I don't know what it was made for what the purchase was made for Yeah, I couldn't tell you, honestly I did have possession of this card And that's why the limit is so high

But the recent purchase he did make I just don't know what for What a mess Yes What the fuck are we doing? I just Blacked out with it I couldn't even tell you what was spent on that card or why

Truly Dollar store No I'm saying like for the limit to be that high I couldn't tell you what what was used What it was used for Guys Are you fucking kidding me Are you fucking kidding me?

There's a late fee on this one this year so far as well Are you fucking kidding me? Oh my Were they both late? Yes! It should have only been I only, I know that I'm I thought it was only one of them that was late.

You thought wrong! I thought I took my kid out of the steaming hot car. Is that what's going to happen? I thought so it's okay. What is going on? Who's responsible for this fucking this? This lack of knowing. Obviously both of us.

Okay. Oh, I may not... Okay. Guys, I just... I don't know. Capital One That's mine How do you guys

How Can you guys have conversations If you guys are never away from each other If you guys work the same job Go into the same office Need to have these conversations You're not to have a kid with each other How are you guys even able to have these conversations

Without going at each other's throats We just don't Like space is necessary You just don't Maybe you actually need to We don't like have like We do disagree about money but we don't like...

What's the disagreement? We don't like fight, fight about it or anything. What's the disagreement? Like, but you don't resolve either. I mean, it is like, yeah, we do, we do disagree about it. Like, whenever we do, whenever she wants to get something or if I want to get something, she will say something or I'll say something. But typically, honestly, one of us gives in to the other and then it still gets done.

So it's... And the wrong? Just a repeating cycle of stupidity. we're okay with this? No, we need to fix it. So why no resolve? Why no actually trying to talk? We disagree a lot on like buying gifts.

On buying like. What about? Like he doesn't like he knows that we don't have the money to do it. And I'll like feel bad for not purchasing a gift for someone and then I'll do it anyways. Oh come on. You can't just do things you know or lattery. Wow. Okay.

That worked. You can't just do things on your own. This is a group. This is a team effort. It's selfish of you to do that, even if it's a gift for others. If you're doing it without consideration of the household, the husband, the kid, it's selfish. I just feel bad if I don't, like, get someone a gift on their birthday and they're going to see me. Feel bad for your kid and husband.

Give a pat on the back of back scratch. Everyone loves a backscratch. Give them a back scratch. Okay, I'm going to put you guys through a couple's therapy. Sounded or mine. Three free sessions for all the guests and I think audience members as well. And I'll also gift you a fucking certification to course careers if one of you wants to change your career field. So you don't have to be like on each other.

So you can actually have appropriate conversations because a little space is healthy. Okay. Well, when it, so like I don't really like the way I see the gift giving thing, like especially like for birthdays, I truly think that, like, I don't even care to get gifts for birthdays. Like, I don't. Sure, it's not your love language. Sure. Yeah.

So that, and that's the biggest thing with that. Like, I, I don't care. And I won't, like, I won't buy this stuff. And I try to tell her not to, but she'll still do it because she feels like she needs to. Well, like, it's hard. Like, especially during Christmas, like, we'll have, like, a conversation with the family and be like, we're not going to buy gifts this year. Like, we can't.

and then they'll like we'll go over like okay i mean okay i get it they buy us gifts and then i'm like well we look like pieces of if we come in empty-handed and everybody else has bought us a gift and spent money on us but that's the thing like they're our family and they know they like obviously our family knows what kind of position we're and we we're open about it so if we tell them like look we can't afford to do this and like we shouldn't be doing this It's your family that does it the worst. That's besides the point. We still need to stick to our guns when we say we're not going to buy Christmas gifts

and then not freaking do it instead of, oh, they got us gifts. So we have to put it on a credit card to get it. Like, we need to stop doing that. I just feel like they should stop doing it. Like, they should stop. If we're saying it, then they need to be respectful of the fact that and not get us gifts as well. But that's hard for me because it makes it, I feel like it makes us look bad that we're not. Like, I don't want us to, like, look like we're, like, mooching off of other people or, like, mooching off of their family.

It's not mooching if they're giving you gifts. It's not like you're asking for the gifts. Like, hey, I want this, this and this, $1,000 worth it. And then, now we got to buy you stuff in return because you got us gifts. No, like, they give us stuff because they want to give us stuff. And if we talk to them and be like, hey, like, we can't afford to do this this year. I feel like it'll be okay for us to skip a year of Christmas. gift giving on Christmas to help ourselves financially.

The only way that I can fix this should not do it anymore, but it's, that's like the hardest thing for me because I hate to make people, I hate to feel that way. Like it makes me feel. What about his feelings? Yeah, we're getting put in a hole because of it. And then I have to go work at the shop that I hate working at so that I can make extra money to put food on the table.

Yeah. Because I'm okay at working on cars, but I don't like, doing that. That's why I work behind a computer. But I also work over time when I can. I understand that. To make up, like, to make extra money, too. So. But that doesn't make it okay to spend

a ton of money that we don't have for Christmas. Yeah. I don't think you're wrong. I just, it's like a mental, like, it's like a brain thing for me. It's hard to not want to give when people are giving to you. Okay.

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What a match. $25 a month. $5.000 of spending. Yeah, six dollars of interest. At least the payment was on time. She stopped at Sonic. She got her little blast. A little Sonic blast.

Yeah, it was probably a cherry lime made. I had to guess what it was. And that is more important than our kids. its future. A cherry a lime made for $5. Cherry lime made for five.

What? For a cherry lime made? Five dollars? Five dollars is not an insignificant spend for a lime made. Limeade. You said blast and that's even less expensive. I don't know what people get a Sonic. I was just talking off the car. I don't go there

because I'm not a disgusting freak. Sonic is disgusting. Go to a Sonic and it smells like death. We have Sonic in our dug-dug stream for our elite members in it. There's nothing that has smelled worse in this world than Sonic. I don't go to Sonic. And I'm fat. And I don't go to Sonic.

So I don't know what people get from Sonic. I don't care. $5 for a lime aid? Route 44s are expensive, dude. If you get them before 8 p.m. What is that? What are you talking about? That's like the biggest drink.

You're getting a fiend. Like, what's the ounce? 44 ounce. You're getting a 44 ounce thing of sugar at 8 a.m. Yes. So you are a child in your actions and beverages. Great. Oh, don't encourage them.

Who's encouraging them? Either Jake and or Lindsay is encouraging them and saying use the app because they're 50% off. They're not a sponsor. I have the app. So you don't even do that? No. No, she uses her app on McDonald's. She uses all the freaking time.

Oh. Yeah. I have like 20,000 points. It's not a good thing. No. It's not a fucking brag. I mean, it's beneficial, but I'm saying that's why I use the app. It's beneficial now because I get free.

$100,000 in debt. 30% of that being for the house. Beneficial. That's going to pay off $70,000 in debt? Okay. And maybe our money doesn't go to McDonald's and it goes to debt. Another capital one. How many?

Oh, we haven't had a capital one, credit ones. That's right. Okay, so capital one, what's going on? That one's mine as well. $496.05. Yep, transactions, that equals you. Late fees equal him. Okay, so $27.87.

The transactions on a card that is, yeah, close to being maxed out by $100 that we can't pay off. That interest is accruing $12.94 cents. Minimant to pay me with $25. What are we doing? What are you purchasing on? It's probably fast-fif. if I had to guess. Okay, how can we just be living off of fast food every second of our life?

We're okay with this? No, but I'm pregnant. So, like, at the end of the day, I don't want to cook every day. I don't trust him to cook. Meal prep. What do you mean you don't trust him to cook? That's the problem. That's the biggest issue.

Like, I can. What is it going to put, like, cay and pepper in? What are you talking about? She's got a weird thing with meat. She doesn't, like, it's weird. And she'll- It's a weird thing with meat. She's the type of person. We could go to, like, out to eat or something.

and she will buy a $20 meal, take one bite of it and get like a piece of fucking fat or like a gristle or something and waste the whole meal. What the fuck are we talking about, guys? We can't cook because they're heard of gristle? I can cook, but I just don't feel like it. Meal prep.

Microwave. And he... Meal prep. Microwave! Meel prep microwave! You don't trust him. What do you mean? What can he do?

What would he fail at? Making spaghetti? What do he fail at? Exactly. That's what I'm sorry. saying it's um like if it's undercooked cut through and check but you can't tell this you can like pork's a little hard but beef and chicken's easy he made uh he made beef stroganoff the other day yeah beef's super easy to tell if it's raw yeah exactly i don't know it's just my brain

i just think what i just think that i can't trust it if i didn't cook it is that a medical disorder no i mean i've never been diagnosed with anything but i don't know i don't appreciate it. You don't appreciate it? A husband cooking for you? How are you going to survive when there's the kid? You're taking her to the kid and maybe he's going to cook for the house. What?

You're just going to eat McDonald's for every meal for the rest of your life. You're going to die at 40. So what the fuck then? What are we talking about? I can't eat fat meat and I can't eat. What? Then get chicken. Chicken breast is as white as fuck when cooked.

She could literally like, she could literally, so before even cooking the chicken, she sits there and like picks pieces. off of it and cuts all these pieces. She'll waste like a quarter of a fucking chicken just trying to cook it. What do you? Why? Then cook meatless then. And I'm a fucking meat addict.

I'm just like, every second of my life. Obviously, I'm in the situation. I love meat, but. I can't tell what's pregnancy, what's not? I don't, I just don't like fat on my meat. Then have chicken breasts. Chicken breast has fat on it.

But you trim it off and have them cook it. Trim cook, trim cook, trim cook. trim cook. Come on, chicken press is like the easiest meat to tell if it's under. It's white as, it's as white as you

when it's done, right? Yeah, but it's also I just don't think I'm gonna budge on him cooking it. What the fuck? What the fuck are we talking about? I would rather get better about Okay, what about meatless?

What about pre-cooked meat? What about pre-cooked meat? That's even worse. That's even worse for her. I don't even know what you're talking. about at that point. That's even worse for her. You can't do the pre-cooked chicken tenders to just

fucking... I can eat dino nuggets. That's it. There's a lot of different variations that are healthier versions. Oh, are you autistic? Are you the real autism here? I don't think so. No.

You can only eat dino nugs. Yes. This is love on the spectrum, ladies and gentlemen. I've never gotten a bad piece. She's just weird. Why can't he make spaghetti with? without meat. He can make it if he makes it with the frozen meatballs.

What about just without meat? Because who wants anything without meat? No one, but you're with him cooking. So go meatless for when he cooks. He doesn't like not having, he had the guy's I agree. He can have meat for him. You do no meat when he cooks.

Do meat when you cook. I'm confused. We can always find a solution. Are you four? How are you going to tell how? Here's an actual honest thing. How are you going to be able to tell your kid, no, you have to eat this if mom isn't willing to eat?

Well, I've already told, because that's obviously from her upbringing, but I've already told her, like, my kid is not going to be that way. Her brothers are even worse than her. Your parents enabled? His family eats like pigs feet and stuff. Huh? His family eats like pigs feet and like. What's your ethnicity?

I'm half Mexican. Okay. So, like, I'm sure that our son will be fine. I'm sure he eats more than just pigs' feet, though. No, but I'm just saying, like, that's the grossest thing. Is that the... And, like, Pasole and... What's Pasolet?

Minuto? It's like a Mexican, like, basically kind of like soup. But it has fat in it. Like, the meat is solely just fat meat. Yum! It's freaking good. Yum! Yum! Yum! Yum! Yum!

That's crazy. What? Fatty meat? That's why people have fucking filamin young. Less flavorful. More fat. Because it's more tender. No. ribbing throughout. Okay. I was enabled my whole childhood with my food. Yeah. Maybe try to fix it.

Go to therapy again. I'll fix my, I will put an effort to fix my finances, but I'll never put a piece of fucking fat meat in my mouth. No, you're going to McDonald's every second of your life and fucking Sonic for a little slippy drinkies. Slip, Slip, Slurp, slurp, slurp, slurp. Like, we don't fix this unless food is eaten at home. Unless things are packed for lunch.

Breakfast is at home. Limey is stirred in a pack. I don't even, for breakfast, I don't even eat. I literally just like drink a cup of coffee. Yeah, you have 1% of your stomach. Yeah. So it's literally, she will just get whatever she wants. Typically, she'll order something or she'll go,

she'll order something on the app from McDonald's and then she'll go pick it up on our lunch break or. You can't. You won't be here for your kid's graduation before your credit cards are paid off. Right. Take out life insurance before they deny her. I have it. I do have it.

Thanks. Yeah. on both of us. Thank you. Definitely not added anywhere good. How many? Fee's. What late fees on this one too, probably? Lay fees?

Like, probably two. This year so far. I don't know what other fees would be added to this card. Um, is there not an annual fee on that card? No. Then it very could possibly be a late fee if I didn't have, um, auto pay on it. How many capital ones, um, did you have right there? We're at one.

I'm pretty sure she has like two or three of those Oh I'm sure we'll find them I guess I guess we've done two I see two Bank of America's Oh capital one quicksilver The quicksilver is yeah capital one So how do we actually solve this if she can't eat food at home from home I can't I just need to cook it myself

Like I'll cook it myself If that is your choice Then you have to do it and it's not an option Yeah It's as easy as that You're going to be a child about someone else cooking, then you have to be the one that cooks. It is your choice.

All right, blue cash. What's this? I don't have a statement. I have screenshots. Yeah, that one's mine. What's blue cash? Okay. What's going on?

Oh, my, why do I keep crying? I'm not like... It's a great question. Offended or anything. I just keep crying. What are you saying? The third one, you have to pull up for me? Okay, let's talk about the blue cash, and then we'll pull up the third capital one.

That is an American Express card. Okay, well, I'm... And I can't get the statement because it's... What's the balance? I think it's like $1,200. I think, well, minimum fee payment? Um, $40? Probably late fees this year.

So $1,200. No, I can't. I literally can't pay that one late. Go on. It's, it's not just my card. Like, it's my dad, my stepdad's card. So he'll pay if you don't? Um, if I...

Women's health. That's my doctor's appointment. Waterberger. Hopefully your doctor tells you to stop that. I actually already got my gestational diabetes test done and my sugar is very good. So I don't have that. Well done. What about heart disease?

Okay. I don't know about that. Bubble tea. Yeah. Yeah, it's whole hundred. You're right. So it's just fucking around as usual. Interested Crumman probably.

All right. Pull up that extra, what? It's a capital one, right? Yeah. Oh, fuck's sake. What? And you couldn't pull a statement? I'm confused.

I think I did pull it. I just didn't send it. in. Like, I had, like, I have fucking 650,000 credit cards right here. Yeah. Maybe you should be looking at them on a monthly basis. Guys, you have to use our budgeting app. Please, please download our budgeting app, please. I'm gonna, I'm gonna furiously just machine gun.

Do you want to slap you? Yes. Oh, well, it's zero dollars. Now, but at the time, it wasn't. What's at the time? when we send the statements in Okay Pass due fee beginning to last month

Oh What are you? Why? Why do you pass due January As well it's every other month It's a past due It's just past two for fucking lives You don't pay anything on it If daddy's not on the card we're just past two

Why? Sorry, I didn't mean to throw it. You're fine. Oh, I was just like, what the fuck are we doing? We're past due on just everything endlessly. I didn't have it that auto pay turned on. Why? And then I just, I didn't end up paying it on time.

Why? Multiple times, multiple cards. I just didn't have it turned on. I do have it turned on. Oh, why did you pay it then? I did pay it eventually. Oh, not a fucking time, though, is just what matters. Right.

But I, but I did have auto pay on. I turned it off. I forgot to turn it back on. I'm assuming she maybe turned it off because we didn't have the money for it to come out at the time. Oh, maybe. Yeah, that could be it. It's the only thing that I could think of would be the reason why you did that. Yeah.

Because we've shared the same. Civilization is broken. There's no, these are the leaders of tomorrow. tomorrow well kind of well kind of finances kind of finances your kid gonna learn guys what kind of in discipline are that call mommy's not gonna eat because daddy the meal oh what are they gonna what are they gonna what are they gonna what are they learn you're not gonna learn a single fucking dick secretly what j c petty what are we j c petting uh that was our um it was my wedding band and another it was like a

Another band for my set. Another band for her set. What are you? Multi-banding? Yeah, I have three. Why? What was the fucking? You got married three times?

What's happening? No. So when he proposed, he didn't take the, um, like the wedding band out. And I just kept it. And then he, when we went to go by his, I got another wedding band to go underneath it. Marriage, guys. Come on. It is time to cut down your financial stress and get.

total financial dominance you gotta download my budgeting app today it's free to start and it's the simplest way to take control of your money in the free version you can manually create your budgets track expenses and monitor your spending all in one clean intuitive dashboard and then you can take it a step further upgrade to premium to securely link your accounts with plaid automatically categorized transactions and with our new update you can set custom rule so you You never have to recategorize the same purchase twice. You also get access to our private financial community where you share tips, learn the best

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You will not regret it. Oh my fuck. There's so many. So irritating. $30 million payment. Current balance 387. Didn't send a statement. Can't see your purchases.

There's no other purchases. All that is is just this is. We've never used it again. Can't see if there's late fees. I bet there are because half of these have had late fees. That one's on auto pay. believe you. You may not have had enough in your checking account when a hit leading to a lay fee. Okay, synchrony home. What's this for? That's cons. That's for

cons. Yeah. It's like a home appliance store. What did you guys get? We, this is a washer and dryer and a fridge. $2,065.17. Minimum of monthly payment, 104. these monotonets are insane. What the fuck are we doing? What did you spend on a washer dryer?

It was like $3,600, I think. Whoa, you could have gotten cheaper than that. It was washer dryer and a fridge. What the fuck I bought it? When I moved into my most, the house that I live in now, I bought a nice washer dryer

and I think, like a really nice washer dryer. It was like that much fun. Like, why did you need that? We went into con. Facebook Marketplace. But every, okay, so when we bought our house, everything that was in our house

stayed in our house. Like we got everything that came in the house. So we didn't purchase anything new until she started fucking up. Yeah, but maybe you don't purchase brand new and you don't have any money. And I tried to just go to because we got a flea market

right up the road. They typically get pretty good like washing dryers. I was down to just do that. This is a historic thing. We already know they get washing dryers. Yeah. Oh, God.

She talked me to go into going to cons to go look at a brand new one. I wanted something with a warranty on it so that it would If something were to have it Oh for sake warranties are how they make money I just wanted to have the reassurance of like Or you get a cheap set That you test

That if it breaks down it's not the biggest deal Because it's a cheap set Instead of being on a minimum payment For the rest of your fucking life forever That one is three years no interest Yeah how long are we in? A year Is it deferred interest?

I don't know if it's deferred or Oh you don't even know because we can't pull a statement, because we can't look at it up for me. There is a statement, but it wouldn't, like the website was down when we were trying to pull it.

Oh, yeah, that's what it was. When I was clicking on the statement, it wouldn't pop up. It wouldn't pop up. Pull it up. Pull it up. We also got a fridge. How much?

The fridge was $1,200. Like, the totally spent was $36, but the fridge was $1,200. You still didn't need to get new. That's how we got the defer. We're selling our fucking fridge from our old office. You could have got that. We'll probably settle for like 50 bucks.

I don't even know. There's always people looking to get you rid of stuff. And the fridge, the fridge wasn't broken. But if we, if you bought. Oh, for sake. To store all our food we don't cook? I do cook. I do cook a lot.

Yeah. go to McDonald's every five seconds. I do do both of the thing. Two things can be true at once. Oh, the physical thing. Here it is. Finally. I'm clicking on statement. Nothing's happening. Yeah, that's the problem we ran into.

That's the problem we were having. You didn't go on the internet? Yeah, that's, yeah, that's on the internet. You didn't go on the app? They closed down. Syncrony? No, not simple. Yeah, but it's usually, but this is through synchony, so it'd be in your synchrony app.

I don't have an app. I don't have the app. Why not? I just go to... I don't know. Guys, maybe it's deferred. Maybe it's not... Gosh, if there was a camera under this desk, my balls are practically out.

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second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions, and restrictions apply. Just keep going in. Shorts are in. Ball cam. It's time to size up. They're just creep. They creep. Very comfy, though. Except for the creep. Alta? Yeah, that's mine.

You're pregnant. Yes. It doesn't even matter what you look like, because you're going to be pregnant either way. So it's just like, it's just like, meh. I'm pregnant. Everyone sees you and they're like, that pregnant. Like, what are we doing? I buy my shampoo for him from, from there.

That's what I, that's usually what I use it for. Okay. Okay. Interest. I don't even understand why there's a fucking balance. It's $159.99.97 cents for the minimums of payment of $30. just paying off interest is accruing so 30.24% interest that's good I think dude they're all right around there best buy what's going on here we got 806 8.6 17 that was um from a few years ago few years ago and we're still holding a fucking balance accruing interest yeah I've only been making minimum payments well not even actually I think the minimum payment is like 30 something I pay like 50 but it's not much more so um but I bought a PC a few years ago.

For how much? You paid the PC off? No, I didn't. Oh. Why did you think that? I don't know. Why did you think that? Well, I don't think that when we consolidated, I thought he paid everything, but I don't

how much did you spend on this PC? Um, the PC was like 1800. It was like PC, like, it was everything. PC monitored, like, mouse. What's the GPU? Like, everything. I'm sorry? GPU?

you? Honestly, I don't have that much. What the fuck? Did you buy this? You don't even know the computer? So I went with a friend of mine, and so he helped me pick it all out and everything, because I didn't really know much about it, but I had wanted to get into it. Unfortunately, I didn't really get that much into it. And I did. You did? And there's still a balance? At the time, I don't even remember what we had going on, but I ended up not paying it off whenever I sold it. I'll tell you what you had going on. McDonald's of every five seconds, they were stupid.

stupid life and then you spend more than you brought in so you just use that to supplement and then whenever my brother graduated I ended up using that card to buy him a graduation gift as well would you get him I got him I got him an Xbox so stupid

four years to pay I have 30% interest I don't understand this is the what the choices you guys make crazy okay what am I looking at it's a firm at 36% interest Affirm. What are we affirming? That's for when we were affirming.

Clothes. Did you not have clothes? It was for when we went to Colorado. And you didn't have clothes? It gets cold here sometimes. It doesn't get that cold here as it gets. But you probably have a jacket for the few weeks a year. It happens.

So when. You couldn't afford this trip. No, I agree. Yeah, you're still affirming. Okay. So we had like a whole family trip. There's like 13 people that were supposed to go on this. trip.

Supposed to go? Yes. The only people that ended up going were us two and his parents. So cancel. But it was too far into it to get any kind of refund on the on the Airbnb. Yeah, but we would have still spent less. Yeah, we would have saved a lot. He would have saved like not going, but instead we still went and spent that money.

What's your balance on a firm? I have two more payments left on it. So like $58. Yeah, I'm going to call 60 bucks. And it's $28. Hey man. So stupid. The interest you paid on that is the dumbest

stupid thing ever in the world. In the world. I also, there's another credit card in there. I don't know if he's, I don't think you sent it. The Academy credit card. Pretty sure I did send that to you. I'm pretty sure I did send that to you, but I'm assuming you didn't send it to him.

So, uh, are you just like collecting them? Okay, can someone pull it up for the fifth time? Wait, you said it's academy? Yes. Hmm. Are you autistic? Probably. Okay.

I'm probably... I'm genuinely curious. I'm probably autistic. I probably have... It probably just missed you. Just grazed... I'm the full collection. I'm probably palleted up.

I'm a sampler of mental. Well, they looked this up. Sad news in the financial out of family. Two of the three fish jumped out. They died. Yeah, she had told us when we came in, Lindsay told us about it. My theory was that

they thought that you were yelling at them, so they killed themselves. Okay, here, these are living things you're joking about. Yeah. You beast. Okay. The interest is a cranes. Oh, what even?

What even on this card, huh? Can someone tell me? I believe that was one of those Christmas gift things. $450, $1 cent, minimum fee payment, $30, $18 months of payoff. Fuck you. It's stupid. It's stupid. It's stupid.

Okay. Okay, what is this? What am I seen here? This is more affirm? This is additional affirm? I think that's the same one. Twice. Okay.

What is this? What is $11,897,44 cents? That would be part of the home loan. That's part of, yeah, that's part of... What is this home situation? Is it a mobile home? So, the home... So cheap.

It was my... It was my aunt and uncle's home. And they ended up going to stay with my cousin. And while they were there in Virginia, they ended up getting sick and passing away. My cousin sold the home to us for very cheap, like $50,000. And so instead of getting a loan ourselves, my parents offered to help us with it and got the loan for us. And so now we're just paying their loans for them. Okay, $333.00.

a month on this one. No, no, no. It's every pay period. It's twice a month? Mm-hmm. Oh. It's 667. Guys, I'm running our fucking ledgers here.

Okay, you're 11,897.44. What's the interest? I think it's like 7%. Oh, okay. But that's only half of it. The other... What's the other half? Is this the other half?

Yes, that's the other half. For fuck sake, I'm out of. Okay. of fucking ledgers. Okay, so this other one is $10,700, $9,082. The minimum fee payment of

$411, right? Yes. Okay, interest. That one is 10. I think so. What is this for? Our home. It's the same thing? You have to put it up to?

So his mom got a 401K loan out and we pay her every month for it and then his dad got a resource one loan and we pay the other portion of it on to him. This is so weird. It is very weird. Yeah, it's super weird. How is there more debt?

That is my loan for the consolidation. Interest. That one's like 30% I believe. Ah! Yeah, that one's bad. Fick sake. Minimal multi-payment 330, 833. I think you guys.

are fift. Thank you guys are f***. $6,714.25. If I flip this, is there going to be more? More loans? He has a loan as well. For the consolidation.

Lindsay, can out of my pen. I accidentally just threw out of rage. I don't know what my body does when I'm upset. Hi, Lindsey. Do you feel safe? Okay. I feel safe, yeah. What the fuck am I looking at?

What is 1,526 hours a month? So this is, no, no, that's not, that's what's left. Oh, thank you. That's what's left. I guess I'm going to start writing on this fucking page because this is insane. What is this car? So I got this car in 2018 and my boyfriend at the time co-signed for me on the car. And I got into an accident in the car, but I didn't have insurance at the time.

It was a single car. Why? Why what? Didn't you have insurance, you tit? My parents took me off of the insurance. So get your own insurance. But I didn't know. I thought I had it.

Tell me that I wasn't on it. You guys can't do anything. That's like capable of anything. Oh, wow. You're an adult that has adult responsibilities like everyone else at 18. I don't give a fuck. I don't know how that's avoidable if I didn't know I wasn't on the insurance. I don't know.

That's just your word, but you didn't know you're missing a payment. You didn't know you're missing 50 payments. You didn't know you're making purchases on this card. You didn't know you went into the dollar store. What do we know? We don't know anything. So I can't believe you. I do.

Okay, so what? You got in an accident, no insurance. Did it total it? Right. It totaled the car. So I didn't want it to my credit or his credit. So I have just continued paying on it. And this is the remaining balance of what's left on the car.

I'm getting fucking pen markers on my fucking clothes. Balls out pen marks. So dead car, we still owe on it, huh? Yes. You just scrap it at least? No, it's sitting at his dad's... Scrap it? Why? Why is it sitting there? Um, I think...

I just don't know anything about... Like, I don't know anything about it. It honestly does need to be scrapped. We just haven't yet. Okay? What's the interest? Doesn't matter. It's almost paid off, I guess, so mostly... The interest was 9%, I believe. Okay, so 370 a month, right? Um, it's 262.

Okay, you're paying more. on it? No, so there, I didn't know this when I was younger, but if you defer a payment, it goes to the back of the loan. So there was this. Where did you think it went? Well, I just thought that it, I don't know what I thought, truly. Deferred, it went away?

And, um, I just thought it increased my loan by a couple months. I'm moving on because, fuck me. Oh my gosh, we have debt to each other's parents. Yes. Okay. to Brandon his parents, 1750, for what? That was for our property taxes. So we, like, in the beginning of the episode, when we said that we get our bonuses,

we get bonuses on top of what we make. My bonus last year was like $1,350, and he was going to get one for the first time this year. So we fully expected to get that money to pay our taxes with, and then our bonuses ended up only being $600. There you go. Don't rely on bonuses. Lesson learned. Do you pay Brandon's parents monthly? They want us to pay them in full. Why? I asked my dad if he wanted me to just start making a get on a payment plan with him and just start paying it to him. And he said, do you think you could save it up? I was like, yeah. And he's like, okay, we'll just save it up and just give it all to me when you can. Okay, to your parents, we owe $1,500 for what? Um, that was towards the wedding.

Why did you have a thing wedding that you couldn't afford? So great start to the marriage. One of the leading causes of her divorce in this country is... And money! So we start marriage with debt? Well done. Is there a minimum monthly on this? Uh, no.

Just... So no progress, great. When... Well, I have paid money towards it. Well, was it? Um, it was 2,000, so I have paid some money towards it. Of course it would be a year. Is that all the debt?

I believe. No, no. Remember, we have toll bills. Oh, we do have, we do have toll bills. We completely forgot to send in. And we had a thousand dollars. What about a Mustang? They're telling me about a Mustang.

Oh, yeah, we have two cars. Two more loans? Yes. Guys, home. It's the end of the day. What are you guys doing to me? It's five. Pull up one of the loans.

Yeah, I sent those two or two. Lady, what are you doing? This is why I can't trust you about the insurance. You can't even send half the statements. Did you actually send me the actual statements or was it screenshots for those? It was screenshots. His resource one is just like that. But here you go.

There's the two. Right there. These better not be substantial. I'm going to, they are. Oh, my, the first one's $12,000. Okay, what's this first one? It's a Mustang, 2016.

Here, so someone's running around like a fucking douchebag. thrilled 12,822. $0.92. I'm guessing you're the Mustang. What's the interest? 2.7%. That was after I refinanced it. It's not bad.

Minimuthy payment 538, 26. What's it worth? I think Blue Book says like 16. I'm getting higher, 19. Oh, sweet. But yeah, I've looked on Marketplace just to kind of see what else. other people are going for because I've kind of debated on selling it.

You're selling it. You're not debating. You're selling it. We also have another vehicle. Yeah, I see that. No, additional. It's paid for. It's paid off.

Well, what is it? It's a 2000 Chevy truck. Oh, 2000? What's it worth? Probably like $4,000. Sell it. You can't survive. You don't have a title.

I don't get... We could get a mechanics lien on it, I think, and get like a mechanics lien title, but it's not going to be a, clean title. So I think that would diminish the value as well. Whatever you can do. Whatever you can do. Get the money. Get the money. Scrap it even. I don't give the... My idea on the situation is, you know, I said I was debating on selling the Mustang. I was thinking about selling the Mustang. And then, you know, that'll get rid of $700 a month right there just in payments and insurance. And then... Oh, fuck.

It could just daily drive the truck. We'll do that. If it's an okay condition? The truck, it's in good condition. It needs a little bit of work, but... They do that! So that's, yeah. Okay, I'm the fucking kill. Bull $495. $0.86 is the minimum of the payment of the $24,351. What's it worth?

I think it's about the same as what. Like, I think it's like $21. $19,000. You are underwater by five. You're above water by five. She's underwater by five. Cancels each other out. Sell the car, drive the other car.

Put it into this loan. There we go. Then sell it because you can get 19. You get the remainder of his from his previous cell. boom, you've paid off the car, go get a $10,000 car loan on a $10,000 car to save you $15,000. It's not an argument, it's not a conversation. Fuck you. That's it.

Did you say there was another loan? Or was that it? No. You said tolls? Yeah. Yeah, we do have tolls. Oh my fuck. What are we on tolls?

Guys, this is never ending. So we had a toll. We got a toll tag because when we got my car, he... What do we owe on tolls? I don't even give a shit about the stories at this point. $1,500 on $1,500. And then an additional 300. $1,500 on her car, $300 on mine.

$1,800. I'll just look fucking dumb. And I also have student loan debt. Are you cursed? $10,000. And are we paying? No, I don't know. I don't know anything about it.

I can't make a call. I don't know anything about it. Make a fucking call. I'm not paying on it currently. By choice. Like there's no I don't have They haven't

When did you graduate I didn't When did you finish When was your last school Uh 2020 Yeah you owe money Okay Okay

It might be It might be held up in the courts With the different What? The school I went to like Is it being challenged? Close Is it being challenged?

Is it being challenged? I think so If it's being challenged That's why it's probably on hold It might be Forgiven It might not be I don't know

2,000 in the second account. Okay. Why is it just $2,000? Oh, okay, because here we go. Let's see. Let's find out. What? We also... Well, it started with 180, so I doubt that 2000's normal. What? We owe the IRS. Not back.

A thousand dollars. It's like, why? So, when he got his... You used more pages. And anyone, are you out of payment plan? It's paid for... Now it's paid for. We just paid it yesterday. Are you on a payment plan?

No, we plan on paying it in full. If you have money, sure. Great, so IRS, $1,000, interest and fees are probably Korean. What was it for? It was for our taxes. Like, when? What taxes? This year.

Last year. Yes. Or this past year, yes. Okay. Checking account. Oh, wait. So fucking just immature. McDonald's Taco Bell.

Fucking going in and getting some bulls! Scorpion, Quill, Bull, McDonald's, Soomans, Apple, McDonald's, C, C's Pizza, Sweet Water, Sweet Water, Brom Store, Chick-fil-A, Oh, Sonic, Waterburger, Apple Bill, Microsoft, McDonald's, Peddlers, Amazon, Sonic. That's so fucking stupid. M-F-M-spec-O-F. I doubt that kind. I don't know. Going and getting some bull shit.

Apple, Amazon, McDonald's, Microsoft. Apple, Bill, Sonic, Dominole, Amazon, Amazon. What the f***erlein' Netflix and Roku for Peacock. F Fcacke Peecock. Apple Bell, Scorpion Quill, Encantos. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building.

Fit for your ambition for citizens back. Apple Bell, Apple, Apple, Bill. What? Go in and get it's a bull. Zelling our money. Who knows where it went. We sold, we sold, we sold, we sold. Oh, Zelling.

Saving, 600. Okay, what are we doing? That's insane. All of the Zelles are coming in. That's from me going to the shop and helping to make more money. Well, no, we pay his parents to Zell. We do pay our mortgage through Zell. We send them the money.

Then no it fucking wasn't. Sorry, I thought that's what you were talking about. Jeez, guys. Is that fucking it? Can that please be in? You don't even have retirement? Mm-mm. God, you fucking...

I do have a retirement, but it's really insubstantial. What is it? Like, two grand. Well, when you're ready... We'll get you set up with the Moomoo app, but for fuck's sake. This is just... I don't know. I just don't know.

Like, there's not going to... be anything left over. Oh, my fucking guys. Oh, my, guys. Oh, my fucking tits. You're titing me, dude. Didn't expect to envision that one today. So any numbers, we even know if it's going to add up right in the end.

We're about to find out this is a fucking crazy. That's probably why I don't ever get it right. Well, maybe you could take a little more time, but we don't have as much. You have all the time in the fucking world to fix your shit. Ah, it's going to be close, but... Is that right? It's not 4,000, is it? Your debt minimum monthlies?

No, let me redo this. If you're including our mortgage, then probably so, and our cars. I got to redo that, because that just sounds insane. Oh, my... Okay. Debt minimum monthlies, $3,350 and $17. What the f... Utilities, how much?

About 3.50. Internet? Is that included in the net? Gas that you both use for driving, room, room, drive. Well, luckily, since we work from... How much? I would say... $250.

A month, yeah. Car insurance is combined. $5.30. Food, $600. Use the cookbook. Again, everyone that gets a premium version of the mobile app, I'll sign you a personal cookbook and send it directly to your doorstep. you get it for free.

Tee fund, $200. Anything else you need? Make up whatever. Shampoo, tampons, you got it. Medical health care, anything on a monthly basis? Yeah, well, at least for the next three months, I have at least $120 of prescriptions every month. Pets?

Three dogs. Oh, fuck me. F*** me. Health and ages? They're all in good health. One's one, the other one's two and a half, and then the other one is seven, right? Seven. I don't know about the seven-year-old, but we'll do at least $80 for the other two and pet insurance on a monthly basis.

Pep food, how much? I would say about $30 every $40 every two weeks, maybe. $80, okay. Gin? Yes. How much? I believe it is $40 a month. Anything else that needs to be in here that I have not taken an account?

Our phone bills. Oh, how much? 236. Why? We have Verizon. They're finance? Yeah, and they're finance. When they're not finance, switch the fucking helium.

Same towers is team mobile, so it's cheaper, dude. Just fucking do it. Don't be a tit. But until then, what was your phone bill one more time? 2.36. Guys, I think, you still have somehow wiggle room, not much. You need $5,836

in 17 cents on a monthly basis. You guys are fucking lucky. So, mostly the cheap living situation. I'm not taking baby cost into account to be very clear. So you probably will just be breaking even if that, when that happens? But when's the kid? July. Okay, so we have a little bit of time.

But that's including, like, with our car payments if we... Yes, exactly. Exactly. Which you will. Then you'll have a $10,000 car that eliminate some of the car insurance. Mustang, obviously, higher car insurance. And we're talking minimumity payments close to, like 700 in the 700s, like 750, so we'll get the minimum fee payments down to like 300

because you're going to get a 10,000-hour car loan. But even still, I just want to do an example. You have an extra 363, right? Your debt was like $105,000. This is if you did nothing. It takes 399 months to pay off the debt with the situation and the spending that you guys have gotten yourself in and that spending hasn't slowed down. You spent $1,800 hours more than you made It takes 33 years to pay off this debt. You guys can get that down, much further down. Take care of those cars, limit the minimum of the payments, throw all your debts towards it. It's still probably going to be at least like a decade process, especially with the expenses of the kid coming up.

But it is worth it for the sake of your kid, because your kid will be 10 and then you can live the best life ever. Okay. You guys just have to do this. Take all of our classes, especially the debt and budgeting ones first, the investing ones eventually, okay? The real estate one eventually. Download the budgeting app. Use that. Use the resource.

You get it free forever. don't f-f-round. There is no more time. You guys have put it to the worst. If you go more from here, you're done. You're done. You've hit the limit. It's time to buckle down.

Sell the cars, take out that loan. Buckle down, change the behavior, and do not fuck up. And prove to me you've done it by coming onto the financial auto follow-up. Okay. Hammer Financial Score. What's the value of the house? $127. Okay. Real estate score. weird situation. Confoluted, I'll give you a six out of ten. Retirement, I'll give you a one out of ten

emergency fund. One out of ten debt, zero out of ten. That is a fucking get. It's IRS and all spending, you overspent, zero out of ten. Real estate's going to be what carries you, but it's a weird situation. Hammer financial score, four now. It's going to be a two point... Let me make sure I do that math. No, 1.5 out of ten. Sorry. One second. Yeah, 1.5 out of 10. Guys, join us for the post show. Join below.

And if you want even more content, we upload every single day with all of these exclusive shows, thousands of hours of extra content for Hammer Elite. And it really helps support this channel. And it is the best YouTube membership proven, proven by the platform on the entire platform of YouTube. So check that out and join us in the post show. It's great.

Hundreds of hours of content uploaded on a monthly basis. Thousands of hours already there for you guys to binge. Campbell, you have 30 gambling all your money. You went, what the fuck? Guys. That's not okay. I went a lot of it. No, you don't. If you did, we wouldn't have so much. I just don't understand why that's fun for you.

Spending your money to press a B. I'm saying why a call of duty with your friends is so fun, but. I don't have to spend money at the time I turn the Xbox on me. That's $12. So you can't look at Sabrina Carpenter on 4.9. That's 12. To watch the financial audit post show, click the join button below. You can't reason with the son.

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