Financial Audit - He Treats His Wife Like A Pet | Financial Audit

Episode Date: August 25, 2025

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Like Sugar Daddy. That kind of. Why does our almost 40-year-old wife need an allowance? Thank you. I was dropping hints. Like, hey. I don't do good with him. That's pretty basic, though.

Hey, I don't like that. I don't have access. I wish I had access. That's not a subtle hint. I don't think that's how that conversation went. But if you want to frame it that way, that's fine. Well, I mean, that's how she's more than you know. That's how I'm framing it.

I'll spell it out. next time. Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial today at dollarwise.com. Join the tens of thousands of people who've changed their lives and joined Dollar Wise Central right now for free. Hi, I'm Nicole, and I'm 38 years old. I'm Sam. I'm 39, and we are from Northwest Arkansas.

And this is financial audit. Guys, I'm excited. I love a good couple. Thanks for coming down to Austin. Nicole, you're the one in front of me. So let's start with you. What do you do for a living in northwest Arkansas? I do only as a foot model. That kind of makes sense because you've certainly aged out of normal O.F.

Yep. But I guess speed don't age as much. She shows her face and she gets money for it. Yeah. Her face? Yeah. I show face. Oh, you show face?

She shows face. I show everything. But I do not do... She shows everything. I don't do complete nudity on my own. You just said you show everything. Well, like... On most foot models...

The full body, but not unclothed. Yeah. I wear lingerie a lot. Fuck. Okay, so... But the primary money's feet? Yes. The focus is feet.

Yeah. My focus is people with the fetish of feet. And... Are you involved in this at all? Sometimes. Yeah. Finish on the feet, I'm assuming, okay? Well, I'm assuming because that's what the king people would like.

When we can. Yeah. We don't have a lot. Kids, man. Yeah. We can't just like film whenever we want to. Oh, you guys have kids. Yeah.

Great. So they will find that in school. Maybe. They will find that in school. I don't know. They will find that in school. How old are your kids and how many? 16, 13, and 9.

Have any of them found that in school? No. No. Our school is very, like, I believe it, but I don't you, like, it's not, I'm not known as me, and I make sure that a lot of my stuff is not. It takes one thing, and then it's spread everywhere. And your face is in it. I know.

All right, what are you making? I make probably on average, well, I deposit about $300 into my account every week. Oh, every week. Yeah, and then I also keep $300 available for me. And then I have like a pending amount of probably $500 sometimes, depending on... Sometimes? Well, because it depends on how much time I've had to make content and really do.

Yeah, you would think, but... I do think. Doing that. Okay, so $1,300 a month and are you setting aside proper? Nope. Nope. How long have we been doing this? For like three years.

Her $1099 was $23K last year. We've been able to... Are we on the up and up, or are we flat, or are we down? Because the what you just provided is down. No, this would be more of a down time. I was making a good amount towards the end of last. year in the beginning of this year. Okay, so Mother 3, providing literal semen videos on her feet.

Okay, good. That's your income. Oh, I hope you make money because that certainly ain't much. What do you do? I drive a truck. Okay, now truck driving can actually make pretty decent money. Short haul, long haul. What do you doing?

I do regional driving. I used to do OTR, but now I do. Between 80 and 85 usually, sometimes close to 90. There we go. now I understand how the bills are paid because Mine was just a way. Hey, why don't you like do something? What?

Productive. Productive because I stay at home and take care of my mom who has dementia and kidney disease. Okay. Then if you're providing support or are you getting anything from the government? No. That we have like looked into for the past,

but just now. Looked into, haven't done anything. No, I couldn't. She didn't. She didn't, what is that? She gets too much money from her, like, government assistant. She didn't qualify for the assistant programs in order to go. Yeah.

So what hits your account? What hits the account from your income on a monthly basis? On a monthly basis. So it's like 12. This is always the first question. I don't. Because I know weekly. Like, it's weekly.

That's what I was just. coming out with. What is it? 12 to 13 usually. Okay, I'll say 12.5 then. Okay. Okay. 12.

Okay. Times 4.3. Oh, yeah, I was going to do times 52 divided by 12. Yeah. Yeah, so about $5,417 a month. Yeah. Sounds about right. Yeah.

Why did you set any money aside for taxes? Are we finally jointly? Yes. Because your income is high enough where they're going to want a chunk. Yeah, I know. A decent chunk. Our pedicures are. a write-off.

Her equipment that she does is a right-off. What do you write off? A hundred percent? No, but enough to not be liable for her portion of the taxes. Because we can write off part of our mortgage, too. She takes pictures at the house. Yeah. Off.

How much are you able to deduct? That's what I deduct pretty much my clothes, probably. If the IRS sees this, will they find all that valid? Yeah, because I use it in all. my content. Like, you can find it all over social media, like the stuff that I purchase. Let's find out. Now, what can we account then for the income hitting? Because if we're spending all that money, that means that is money gone. We still do pay some taxes on her stuff, but. What? Yeah, I don't know. How much? I go to a tax professional. So it just comes out of the income from

you. Essentially, yeah. Okay, because we're not setting anything aside. No, we don't. And we, that's what I was telling him last year. I was like, I was like, getting on. She makes more. More when she sells to use socks and underwear. Yeah. Yeah, that's what I was saying. Oh, this world. Mainly socks. Yeah, socks.

I used to have a guy that would buy me and buy socks. You wear socks and they buy this. The stinkier, the better. I get $60 a week just to wear a socks. And you clearly almost encourage this in a way. I mean, I'm feeling. She's making money. She is making money.

You don't find it degrading of anything of your wife, of the mother of your children. I mean, I guess you are the one of the first. usually the septim piercings on the women. I guess so. Yeah, I don't have that. I thought that was. I guess, uh,

stereotypes, yeah. So you don't care just because money comes in. So you don't care what she does as long as money comes in. No. From a literal standpoint. Not necessarily. Okay,

because that's kind of what. There are lines that I have, but what would the lines be? What do you mean? What would the lines be? What are, what would you say now? We would discuss it and that's when I'd find out.

Yeah, there's a lot of times like that line. Yeah. Hey, how about this? He won't let anybody worship my feet in person. In person meetups off the table. That's good. Well, that's more of a safety thing for being honest. Yes.

Yeah. Very much. She doesn't even like doing like cam stuff. Yeah, I don't do like video calls and stuff. Because that's kind of getting to a personal degree as well. Just lately, I've really. gotten known into the feet community and that's why I was making a lot of life-laws.

If you're getting known into the feet community, again, at some point this is going to be exposed when any of your kids are in school, even college for the 16-year-olds. Well, and I don't think it's, like I said, I keep it very not. But if you're getting known in the few community, I guarantee you there's one feet gunner

at the college one of them is going to go to. Yeah, maybe. Oh, there's feet gunner among us. I have one at this office. No, most models, feet models. How do you know that? They start. He told me.

Most feet models start off as just taking pictures, doing this. I got you, but your face is there. Yes. I don't care about most. I care about what you are. Listen, hold on. Because most of them will, to make more money, go into full ass. And I, that's a no-go for me.

I don't do that. Well, kind of. I mean, I just got to know that you literally give him foot jobs on camera. Yes. That's pornography. Yes. But I'm not. That is his.

But he's, you can't see him. Like all you... Yeah. I know that. Nobody should know his... No one should. However, literally, if they spend five seconds, they will find you on the internet with a reverse image search and they will see that that is your husband.

And by the way, fun fact, I don't know if you know this, but again, if this gets exposed to your kid and they know that there's a penis on there, they're going to assume it's dads. That's true. Well, they know about it. We're open with them. Your kids know about it already. Yes. And we are very sex positive, like, of being, like, them know about real world stuff kind of thing. And their thoughts?

Their thoughts are, mommy, you can do what you want to do. And it's up to you and that's your body. Their thoughts are people are weird for, like, in feet. Yeah, they think that it's weird and everybody's different. And, yeah, people like what they like. I mean, they're- No, instead of state at home, because, again, these kids are not in the state-at-home age necessarily, Why don't you actually go become a productive member society?

Because I can't. I would have to request two men. Yes, I take her to every appointment. All of that. Well, how often is her appointments? It's literally probably... Now that she's on dialysis, it's three times a week. Okay.

Yeah, it's pretty... It's hard because I'm glad you have a strong income, Sam, because I don't know what the fuck would be doing. Yeah, no, that's how I felt. Like, I tried to have a job. I win he was a truck driver and do all of this at Coles, and it did not. Well, so your kids know you film this in their house?

They just know that I do stuff with my feet. They know the type of content. They know that it's feet content. Yeah. Oh, boy. And then I sell socks and stuff. Because I do want to be open with them, and I want them to know and know the dangers of all of that and stuff.

Okay, now I'm obviously not encouraging for the day when mother passes away. That's going to be very sad. Yeah. When that day comes, which is probably sooner than later, Maybe five years. Okay. Her kidney doctor is hopeful about the dialysis helping her. I hope so too.

I hope so too. It is a run. When that day comes, though, can you go get a job? Yeah. I want a job. I was very into that this was just like a thing I wanted to help bring money in from myself. Why don't we even do like remote sales or something?

Because that you can take more time. It's more flexibility. It's more about the grind you put it and the money bring in. Yeah, I look into that. Like there's things you can do that are not degrading. Yes. And when I tried to look into that, I didn't get very far. I'm not very into it.

And then there's so many scams with those. Like if there's scams everywhere. I know. Scams in your industry more than almost any. Yeah, but that's where I'm, like I said, but there's scams of trying to like apply for that. And I wasn't very good at it. Why did you end up getting into this? It was.

It was just a thing I seen because I wanted to make money. And I thought this was a little. So you're still taking care of your mother three years ago like this? Same thing. Yep. Yep. Even though the dais has just started. Huh?

Which is the more frequent thing. Yeah, but she still had at least three times a month some kind of appointment. And we live like, no, no, no, no. It's 45 minutes, like, away from the driving is what really killed a lot of doing the appointments and stuff. Like, her, taking her to an appointment would take at least eight. Her dad can't pull her pants up on his own either. So that was a big part of it too. Yeah, I take care of my dad too.

I take him to the VA on his appointment. Now, if they're getting lots of assistance as, you know, Social Security and everything, why are they not in a home? I don't want to put her in a home. Okay, so that's where it's a one. Yeah. Well, and she, I promised her that. Like, she's not that bad off.

I wouldn't say not putting somebody in a home is a want. That's up to a certain extent. Homes are terrible. That's the end of their life. They get to decide how they want to live in. But first of all, when I said that, it's her saying she didn't want to before she said her mom didn't want to. So how long have you guys been married? It'll be 10 years this year.

Okay. So we had a 16-year-old together? Well, no. Not a 16-old together. Oh, it's one of y'alls. Yeah. Yours mine and ours. Who's?

Well, this is mine. Okay. And then 13 is mine. Oh, so they came into this. And then the nine-year-old is both. Yeah. Uh, were you guys both married before? I was, yeah.

And I was not. So what are we talking about today? What's going on? We really wanted to get a thing, even though you don't like it, but I want a shed for outback. For outback? For in my backyard. So I can do more content and make more money away from the house. Wait, what does the shed do?

Wait, what does the shed at conflict? That would be like a small studio and a private space because that is a lot of where I could be making more money. I thought we weren't trying to do this long term. I'm not necessarily because I know that shed we also want to get into tufting. Probably needs to be like almost air conditioning and heat. Yeah, it needs to be re-done. How much is, oh, it needs to wait, you already have a shed? No, no, we've just looked.

Yeah, this is what started. If we buy it, it needs to be finished on the inside, yes. How much does this cost? Oh, long. What is this? Yeah, how much? 4K for the shed and probably like 800 for the electrical and then the rest I'm going to do by myself. It's not the craziest.

The materials probably like 400. So I would say 12 to finish it out on that. Whoa. Got big up to 12. Yeah, it's a lot. 4,000 to 12. Then it was 800 for electrical? 800 for electrical plus 400 for materials.

That's just off the top of my head. Okay, that got us to about 5,500. When I said 12, I meant 8 plus 4. What's the 8? Yeah, what's the 8? The electrical. Oh, that's 800. 800.

800. Yeah, but you're getting $12. I think it's like $10,000 to do everything that we want to do. That brings about $5,500. $1,200 for finishing out the inside. That brings us to about $6.5. Yeah. I never said $12,000.

I said $12. And you're assuming a lot of stuff. I heard $12. $8 plus $4 is $12, right? Well, your wife and I heard the same thing. I'm sure the audience did too, but I appreciate it. Okay, so I guess we're getting a goon shed. Yeah, I got one.

A little toe goons shed. Well, it'll be for cards too. Yeah, cards. Cards and tough. I've got, but it's a hobby thing. Yeah. Magic the Gathering is a hobby thing. What are we?

But I can make money with selling my collection off. Yeah. At least you do own the house. But you got, listen, you got a total. total, $216,000 of debt and $169,000 of that is the mortgage, meaning there's substantial amount outside of the mortgage about $46,000, $47,000 of debt outside of the mortgage. And we're considering getting a hobby shed? Yeah.

That's not making it sense to me. I mean, your room's a private space. No, it's small. It's small. Usually sheds are small, too, typically. No, no, no. This is. You're getting a mega shed.

No, we're not getting a big shed. It's 10 by 16. but our room is tiny. We can barely fit a queen. It was built in the 80s. Yeah. What's this square footage of your house? 1640.

Yeah. Okay. Hmm. Most of that is... Are you guys in the primary? We are, but the biggest bedroom is a converted garage that her mom stays in. She has. But it doesn't have an on-sweet bathroom.

Did you guys convert it? No. No. We bought it converted. It makes it harder to sell a house. It does. Yeah. I mean, it's full brick.

and the... No, I know. Just converted garages typically limit the buyer pool substantially. Sure. Well, I guess we'll do with that

when it comes. Okay. So Magic the Gathering or we must be spending a lot of money on that in general if we're going and getting into

a goon card shed. Yeah. I've got a lot of cards, yeah. How many cards do you have? Let's see. I've got six, five thousand boxes,

one or two those are completely full. And then they're everywhere on the house. And then the other ones are about two-thirds of the way full. And they're everywhere around the house. So like 20,000 cards. Oh, 20,000 cards? I did the math for the producers.

So whatever they're telling them. He took a note of 250,000, but maybe he missed. Yeah, sure. Yeah. Because that would be insane, right? 250,000? I mean, that would be. Does that even exist?

Yeah. The boxes, a friend of mine. They go out. on it. Okay. So a sex shed, I guess, is our goal instead of paying off $48,000 a bad debt, why does that make sense? Can someone walk me through why that makes sense versus the priority of bad debt? More custom content.

Me being able to sell off some of my collection is bringing in, yeah. Yeah. So having the shed is going to allow you to sell off the contents? So right now, if I want to sort through my cards, I literally have to unstack those 5,000 boxes and take the one that I want and put it on the bed and sort in the lid on the bed.

But if they're on the shed room they'd take away space and ruin the space for content? No, I'd have a table and to spread them out. But yes, I mean, that would take away room for content but that's a pretty decent size shed.

What kind of space is needed for? Then I would assume you already, how does the 1,600 square foot house not have a corner? Because, like, an actual private corner that is not loud and have other sounds. So if the kids see mother walk to shed, they know she's getting her freak off.

Well, a lot of times I won't do it. Like, I do it when they're in school and stuff. Well, there, is that not the answer then already? I mean, school just started back. I know, but if we only do it while they're in school, because you can stock up for the summer. I mean, content is easy to. No, because that's the thing.

I get too tired and I don't want to do it. And it's, yeah, but it's a lot harder than you think. of setting up in my little area. Believe it or not, I know a couple things about content. Yes, you do. And this is a really big production. Yeah. Mine is, I do it all by myself.

And I'm a perfectionist. I never did that for an endless amount of time before I was able to bring out people. Absolutely. But did you have kids that were around you and then like, no, but you said they're in school. Yes. But it's also like with my mom and the dog and all of that trying to clean the area, get the lighting. No, I have literally this line of space in front of my mirror. Okay, so we're using every excuse necessary to really justify a shed that we just want.

I really want it. Yes. It's a lot. Okay. And that is more important than the $28,000 of bad debt, $48,000, sorry. So why is that what we're prioritizing in this conversation is trying to get the shed instead of that? I want to pay that off. I do too.

Okay. What is the income percentage increase we're going to see from? from shed? I don't know. Is that doubling our income from a thousand, three hundred hours a month? Am I? Or any write-offs or taxes, meaning we're probably only have about $200 in actual spending money to $400 a month?

That's going to pay off our debt. How much quicker? Yeah. So $400 a month extra bet. I wouldn't know. Just based on at least what you kind of suggested is written off and whatnot, meaning that money is not there to actually spend on things we care. about is I'm guessing maybe you have $400, $300 a month left over, okay? Right?

If we're not paying substantial, like much on taxes, okay, so $300. Let's say it goes to $600. So $600 and it's about like a $7,000 said. So, I mean, it takes a loan almost a full year just to pay off the shed before any of that money even rolls in to paying off any kind of debt, right? You did the math right there. Yeah. Okay.

And that doesn't make us question it? Well, I mean, it's a one. I said it was a one. But I would want to get out of bad debt for the sake of our family. Especially since one of the kids is already going to school, does he have a college fund? No. She does not. Yeah, she doesn't.

No college fund? No. Not that it's required, but a lot of parents like to. That's certainly not even in the picture with this kind of debt. I was working paycheck to paycheck until I started driving and that was eight years ago. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you,

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AAA 973-3978. That is triple eight 973-3978. Break free from the high interest trap and get your finances under control once and for all. Okay. So you've had eight years. We have had yet. Yeah. It's okay. So you've had eight years to build a college fund, but instead we're $48,000 a bad day. So, like, if you said six months ago, I could be like, okay. Yeah, no. Yeah. I didn't know. I didn't, I wanted to, but, yeah, I didn't feel like we ever.

Guys, I was on a really bad diet until eight years ago. Oh, wait, oops. It's still there. Okay. So what is y'all's relationship? ship with money together. Like, how are we communicating? How are we budgeting?

How does this look from a household perspective? I give her a certain amount of money per week and then... Like sugar daddy? Yeah. Okay. Yeah. I get $400 a week. To do what with?

That's the household. That's for the household stuff. So you're limited? Yeah. For a house? Yep. $400 hours a week, but you bring in... I pay.

It's substantially more than a week, right? Yeah, I pay all of the bills. Is that not household? No. I was like household for food, anything that's needed inside the house or that. Broceries, gas for her. Okay. Why are we doing it like this?

Why does our almost 40-year-old wife need an allowance? Thank you. Oh, she said thank you. Oh, wow. Okay. Okay, so this is a disagreement. This is a disagreement. Well, this is how we came.

to an agreement back when it started and he became like doing trucking. So eight years ago? Yeah. And yeah, it's been a while. But it was when I didn't, when I lost a job and didn't have money, I was like, okay, what how am I, how are we going to do this? Yeah. Like I lost like my actual main job when we first got together.

And he was like, well, how about this? Blah, blah, blah. I have always given him the control over the finances of. I didn't even have a bank account because I put myself into overdraft and no bank would give me it when I lost my job. What's your favorite song? What's my favorite song? I don't know, Numa by Toole.

Can he hear Numa by Toole in his ear? I want to talk to her. Great minds, ladies and gentlemen, great minds. So music? What? So, that's the Cole. What is your overall opinion of this allowance existing today? Why don't you say thank you when I confronted it?

Because that is a bag. I mean, when you look at it, like you said, it's the sugar daddy thing or like here. And I literally get money on a debit card that is his in his name. What the fuck? Why? Because that's how we've been doing it for so long. Have you accosted to change? No.

I just didn't want to argue about it. Is it an argument anytime you bring up having any kind of independence? Not necessarily. Then where's the fear of the argument? There was an argument about how much I should get, and he was given me a lot more years ago. And this has been like over time. I don't know. He kept asking for.

me to take less and less and I did it. He's cutting your pay. Yeah. It was like... Your sugar daddy pay. Have you heard any logic as to why? You never asked the why? Well, it was because of credit card debt.

It's always because of credit card debt. He needs money to put towards the debt. And I just trust him to take care of it. Oh, you're in 48,000 hours of that debt. Yeah, I didn't even really know. I thought we were in 10. Yeah. I don't know.

It's a really... Do you guys never have... Well, because of this, do you have hidden purchases from him? No, not necessarily. Is he from you? No, I wouldn't say that. We know, like, I know what he buys,

but I don't know exactly how much he buys and how much he spends on certain things. Do you guys get this house together? My name's on it, but his name's on it. Yeah, but it's in his, like, the loan and everything is in his name. Is there not a sense of control here that's a bit odd? There is.

And I've let it happen, I guess, over the years of. And where is this stand today in your mind and where would you want it to be? If I could, if I had more availability to work on my own and have my own, like, that was the whole thing where the feet came. long. I was trying to get more of an independent part. But I get that, but again, you spend it all on writeoffs and then he covers the taxes. So it's weird. I'm not accusing this to be very clear. I'm not accusing this, because this isn't how I'm reading the situation, but take just the 10 minutes of this conversation about the control of the money, cut everything else. Sounds abusive. It's not, but do you understand how it's on that financial scale? Yes. We talked about,

about it when it was going on. I was like, do you not understand, like, what I'm handing over to you by not having anything, like, but you to tell me, like, here's this money for the household. And all of the other side. Yeah, it was, yeah, nothing. It was, yeah. What's to maintain control? Yeah, pretty much, I guess.

Well, what can you do about that? That's not healthy, that you tried to push back and tried to get some sense of control in independence. because when married, I'd say it's ours, not his with a little gift for me. Yeah, and that's where I think a lot of it where in my mind I say it's his. Well, how do you feel about the fact that you did push back? You requested a change. I did.

He said no. And he, well, no, the only change I've ever did was get a job and get my own income. And then he asked me, can I get, can I give you less every week? Is he have some obsession over his own money, obsession over control? I think it's over the money factor and of not necessarily control, because that's not how our relationship was in the beginning. But when I couldn't go, I didn't feel like I could go get my own job, this was. What did he see that made him take control of the financial situation?

I gave it to him pretty much. But why was it requested in the first place? It wasn't. It was like I said, like the way. You requested it? No, it was kind of like, what can we do with you being? out on the truck. Who proposed the idea?

I don't know. I think it was just a conversation. And it might have been me saying, well, you just give me the debit card and you give me a certain amount or he might have. I don't know. That was so many years ago.

I really couldn't tell. But that's where it's been. I couldn't even get my name on the bank account. Do you recognize? And you kind of already had, but I want to make it crystal clear that there is some weird level of control here. Yes.

Yes. I know there is some weird level. What would you want to see the change? HV? I don't know more of me really having access to the accounts. I don't have any access to the accounts. I think that would make it feel a little bit better and then discussing a budget for the house first

to understand how much money really it takes. I've been doing a lot for our kids lately with my little bit of income. Really? Yeah. Okay. All right, let's switch it up. Good.

You're good, good, good, good, good. Good, good, good. You know, I want to know a little more about this situation of, you know, the separate accounts. When did that start? Well, in terms of the you giving her an allowance. I mean, I think it was when I started driving maybe a little bit before that. Well, why did this situation get set up? I don't know.

that just seemed like the best way to do it to me. Who proposed that how to happen? I'm not sure. I don't know. I think when I created a separate bills account as a checking account was when it started doing it like that. Why do you think that's the best method to do this? I think it happened organically when I created the separate bills account and she was just keeping the other debit card. That was before she had cash app and chime and that stuff for her own income.

And so I was like here, you just keep this one. Over the years, has she ever requested having more access, having more independence, having this more joint? No. What would you do if she did? Try to figure out some way to make that happen. Yeah. Okay. Ladies and gentlemen, a financial audit.

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Let's f*** go. I mean, I saw her being more independent as her having her own income stream. Do you not view it as a ours as a married couple? Yeah. Then why is this situation set up the way it is? With an allowance situation. For the household while I provide the bills.

Certainly, but couldn't she do that if we were both in one account together, joint? I mean, I suppose I think, like, That's what most people do. Okay. She didn't have her own account at first, and so I created a separate bills account so that she could keep that. And, I mean, it just came from a budgeting perspective of this is how much I can give you this week. And especially since I was out on the road, it wasn't, you know, that's a unique situation as well.

Like, I couldn't just hand her the card to go pay for Walmart. You can get a second card. Yeah. Yeah, but that's just, I mean... Do you think this comes from any desire for control in the finances? I did babysit her finances when she just had a card at first, and I don't think it was an allowance situation. Why do you have to babysit it?

It was more me watching out and calling out frivolous spending. Were you doing any frivolous spending? Was I or was she? You? That's what I was. I mean, yeah. So why would it have been bad when she was and not you? It's not necessarily.

Okay. Because I'm sure getting to like a quarter million cards has required some frivolous spending. Yeah, absolutely. Okay. And if she came to you and asked to have joint control. I also was not playing magic at that point. So, I mean, yes, that has required some frivolous spending over the years. But at that point, I was not buying.

Are you a hobby swapper? Yeah, a little bit. So you probably had something. Um, video games. Okay. So if she said she wanted a full joint control, control, joint control today, thoughts. That's fine. Let's find a way to make it happen and find a way to...

Why, you just go into the bank, honestly. Okay. I mean, I can't go to the bank. Ally doesn't have any banks, but we can call them and set up. Yeah. 100%. Okay. Thank you.

Thank you. phones. Thank you, Colton. Okay. So a couple interesting thing here. Um, you know, Mr. Sam doesn't seem to really understand why this allowance situation started as much as you. Now, he does, he did take kind of some responsibility, you know, thinking it's more on him, but he doesn't seem to know why it started specifically. I think when he was going into trucking school and doing that,

and he had to leave for like a month and stuff, that's when it was like decided, okay, well, here, I'll open this account for the bills because we were trying to save up to be able to buy a house. He wanted to do his credit. So he, like, opened up a bills account and then gave me the debit card to that bank account, not to the bills account, but to his regular checking account. And I was like, okay, and he goes, I'm pretty sure this is how we discussed it in the garage of, like, how to make this work since I wasn't able to have income at that time. Or maybe it was more, it was harder to have my own income.

Well, I mean, he self-confessed that when you had a debit card, he was policing your spending. Oh, yeah, very much. Pretty hardcore. well, he had his own frivolous spending going on at the same time. Yes. And I'm from front of mine on that. I did. And we talked about it and that's, I realized that was.

That's good. Yeah. Now, one thing that is going to be, I want to hear both of your perspectives talking on this now because you both did have different answers on something. Okay. And that was the fact that over the last couple of eight years, she says she has come up and talked about wanting more control. having this to be joint.

And, you know, not that you haven't, you haven't gone, no. But it was kind of like a little dismiss, a little walk away, you know, a little, a little like hope this goes away type thing. And you said she hasn't done it once. He says you have not done it once over the last eight of years. I don't know. I have, how about this? It was being more of me complaining that I don't have access or being able to see something.

That's basically asking, though. Yeah. I was dropping hints, like, hey, this should be... I don't do good with hints. And he's not very good. That's pretty basic, though. Hey, I don't like that. I don't have access.

I wish I had access. That's not a subtle hint. I don't think that's how that conversation went, but if you want to frame it that way, that's fine. Well, I mean, that's how she's more framing it. That's how I'm framing it. And I guess it just would be me saying little things. And I probably haven't done it a lot because once, like,

if I would have made the comment once and it didn't take, I would have just gave up on it. If I knew this was a friction issue, I would have taken care of it before. Well, he says he's willing to get you fully joint today. Okay. I would like that. Yeah, I'd like to see it. I'm curious if it will actually happen.

I'd love to find out. Okay. But I hope it does because I think that would be good because we've got to sit down. We've got to talk on a monthly basis about what happened with the money last month. What do we need to budget? What are our goals that we want to do is a couple? as a married couple, what do we have to do in order to get there? Yeah, we don't sit down and talk about home.

We can never do if we don't both have access. If we don't know what is going on, then we never will. I just gave him control, trust and control because I did feel like since I was a stay-at-home parent, you know, and I was doing a lot. He was paying for my guests to take care of my mom and blah, blah, blah, and all this, that it was okay, yeah, this is what I get and I was okay with it. very, what is that? Just like a, I don't know what that's called.

You know what I mean? Like pacifying. Yeah, like it's fine. It's whatever. And I make up my own excuses. Like I said, I think this happened organically. It wasn't out of any desire for control. Okay.

I want to, I'm going to go three, two, one go and on go at the exact same time. I want you guys to give me what you think your household financial score is. Zero to 10, zero being the absolute worst, 10 being the absolute best, okay? three, two, one, two. One. Sorry. If you want your financial score, take the assessment. It is free at Calebhammer.com or dollarwise.com.

It just takes a few minutes and you'll see where you stand in the world of finances. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise budgeting app. Take the free trial, sign up for the annual version. If you want to save a lot of money and get our budget-friendly cookbooks signed by me and mail directly to you. Remember, get the extra special version, Dollar Wise Central, free trial right now. get all our education and the premium version bundled together. All right.

Let's get into these documents because we got a lovely amount. I have a feeling. I have a feeling. This is going to be kind of your first time seeing a lot of this. Yeah. Yeah, which is interesting, right? I would suggest that that is interesting. Yeah.

Yeah, like I have no clue of like what is going out. You do have a clue, though. We talk about it. I just don't do the math in my head, I guess. Let's do some guessing math. Yeah, okay. There we go. We know kind of what comes in one way now.

Well, actually, what came in total, which included mother-in-law rent and social security deposit, cash app drawdown, wife payroll, cash app in and husband payroll, all accounted for $6,874. Good. What was spent? What month? What was spent? And that includes some interest happening as well, but what was spent?

What do we think? I would at least seven. Okay. At least seven. At least seven. So more. Yeah, more. Oh, for sure.

That's not good. If we're giving complete control over out of trust to pay off the debt, that wouldn't be good if it was more. What do you think? No. I think it was under. I think it was like 47, 5,000. So you'd make about $2,000 of progress.

Maybe, yeah. Okay. Well, it was $8,000. $330. That went out. So that was $2,000 more. Yeah. We all have that dream trip.

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it priceline.com and book your next trip today. Go to your happy price price line. Yeah. I knew I had a closer amount because I know I know I spend quite a bit and I You're giving only 400 a week. Yeah, I, yep.

Plus what she brings in. Plus what I bring in and going out to eat alone is basically 900 bucks. Miscellaneous bull's was another 900 bucks. Going out to eat right now, my fridge and my truck is busted. And so... How much does that take the fix?

$15. $15. Okay. And it's been broke for much. Yeah, it's... I just haven't done it yet. But it's a reason, not an excuse. Like, that's...

It's a reason, but your reason for not doing it is invalid, especially when the people... I didn't give a reason for not doing it. You said... Yeah. Well, why haven't you done? I thought you said it... I just...

You asked how much it was. Why haven't you done it? Why haven't you done it? I just haven't. It's kind of a pain that. the ass to get back there in a tiny little space. I just haven't done it. I should have.

It's easier to go out to eat. Yeah. It's easier to go out to eat than to fix it. It sure is. I do. I got to give him credit when it first broke. He tried to take our little cooler that you plug in and keep colds. You just take it somewhere, no?

Is there someone, someone that might be able to fix this? I can fix it myself. No. Okay, but you're not. That's correct. But I. No, they won't fix it. it like through the company.

It's a mini fridge. I know, but like a handyman on like... Dude, they won like $300 for something to do that. Dude, but it's literally $900 going out to eat on a monthly basis and hasn't been fixing multiple months. $300 would have saved us. Yeah. Like I'm not saying, do that.

I would rather you fix it, but you're not. All of that 900's not me. Oh, that's fine. We still went out to even 900, which is $900 more than we should because we spent $1,700 more than we brought in last month. And then again, there was another $900 of miscellaneous bull. $837.29 to be exact. So that's his miscellaneous bullshit.

I do go out because I just find it easier after running around. It is easier. Yeah. But you know what's not paying off all the debt that we're accruing, especially if we're spending more than we make. You know what's not? Our kids not having a college fund and then putting everything on them. You know what's not?

All of a sudden our credit just goes down and our car breaks and we can't afford to be able to get another car. Our interest rates absolutely when we get a loan for one. Like we're just putting ourselves in such a dangerous position. Let me be real with you. You can't fix your finances if you're running on four hours of garbage sleep every night, and I'm not talking about staying up late grinding. I'm talking about tossing and turning, overheating, waking up more tired than you went to bed.

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I understand that. But I don't think about it every day. Small fix. Yeah. I go out to eat probably twice a week because of laziness. And not one of the kids. Yeah. Let's be honest, yours is laziness too.

I said it was. No. No, you didn't. I didn't say the word lazy, but I said, I just haven't done it. I should have. Remember, big guy. We're not very good at picking up clues. So maybe say the real word.

I'll spell it out next time. No, you just got to say it. Capital One Quicksilver. Whose card is this? Is. Do you have any? So all the test is yours? No, but my...

of the mortgage. Mine's on there. Like he uses it. Legally, it's mine. Yeah, but legally it says. He has them at all times. Do you have the city card and the Coles card? Oh, I do have the Coles card. No, we don't have the state card. It's at home. Oh. Okay, $8,343 with a minimum monthly payment of $283. Now, there was a $2 purchase. I don't really know why, especially since $200 of interest is accruing on this card that is basically maxed out,

takes 25 years to pay off. By the way, minimum monthly payments only without making any purchases. Oh, we make purchases. So I'm sure that it'll take even longer. But then how is the $2 purchase? Google. I've tried to tell you that's the Google.

Your Google crap's coming out of that. Why? I've tried to get you to look into it. I don't think that's my Google. I don't have any Google subscription. It's $1.99? Yeah, it's Google 1. It's like there's storage, right?

Yeah, it's my storage. So it's yours. But I thought I pay for that. And you can pay for it. It just put it on debit. Like you're putting it on a card that is not being able to pay off that is a accruing interest. Yeah, no, I didn't know that.

I honestly thought that I was paying my... He says he told you. And he has, and I've looked into it. And I could have swore. no matter what. I've tried to change it over to my debit card. You know, it's literally like four clicks online. I've changed mine like a thousand times.

I get it, but I could have swore I changed it to mine. Oh, okay. I will fix that. I didn't. I did not, I guess. Okay, well, again, 25 years to pay off. So we're talking at that point, you know, you're going to be in retirement age. Oh, no.

I make more than the minimums. So. Yeah, it was a little bit more than minimums. But listen, if you were substantially making more than minimums on a consistent basis, which is what you're kind of setting up, that's almost what you're qualifying and you're in the way you're talking right now, you would be substantially below the max. The credit limit. You're $150 below.

So like, let's not bring that energy to it. Like in reality, yeah, you probably did it once or twice a little bit more. I usually, be a lot more progress. But isn't that the one that we tried to pay off? The quickserver? Tried to pay off? What does this try to pay off mean? What do you mean?

That we put money from the taxes, like two years ago. We haven't had money toward... Yeah, I know, like two years ago. Oh, um, maybe. Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava Theater stage on April 30th, the powerful vocals

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Two years ago, we're talking about trying to paint it off two years ago. It's Matt's out. I get told all the time it's, I need to put money towards the credit card. So that's, I was trying to figure out which one. Yeah, we don't talk about none of it. Like we don't, yeah, we're not organized.

$1,500 this year alone in interest, meaning $3,000 this year total is what it's going to be, an interest on one card, the very first card taken from you guys, that is a half a month of household income that will be gone in just a single year. I'm sure it's been maxed out for a while, right?

Or did we just build it back up? I don't know what's worse. No, we built it back up, right? I mean, she doesn't know. Like, oh, you're so confident. You don't know these cards. Because you don't talk, you don't see. So why?

Because I do hear, like, we're putting money towards that and bringing it down. It was built back up. It hasn't been utilized for quite a while other than that two days. When was it built back up, though, to max? Because, again, it's only $150 bucks away. I mean, it's been there for a year and a half. Yeah, that makes sense. So when we say we make more than the minimums, the last two months, right?

Or are we talking like $2 more consistently? If it's been two years and it's only 150 below max, what are we doing? So I'll pay over minimums on one of the three cards and try and get that lower. And then I'll hit a time where like either I'm taking time off or just. How much time have you taken off? I mean, usually it's not more than just taking a long weekend. Okay. So it shouldn't be a big impact.

It's not huge. but then trucking is variable. It is variable. Like sometimes I get broke down and if I'm driving, I can make $35, $40 an hour. If you break it down to hourly wage. How often is this like-cating? But if I break down, I'm making $20 an hour. You did tell me you made anywhere from like 80 to 90 a year though.

Is that calculating that in or is that calculating nothing goes wrong? No, that's calculated. That's like. Okay, then there shouldn't be issues. That's an incredibly strong income, especially for Northwest. Arkansas. I'm guessing what is that, Walmart? Yeah.

Walmart area. Yeah. Yeah. So I guess the parents of Boogie 2998's fucking like child bride. What? What? What? Boogie, what?

What is that? Okay. So. I have no idea what that is. I want to know. Now you have me intrigued. I want to know. Mm-hmm.

Mm-hmm. Okay. So that's calculating and in. that shouldn't be an issue then. Like, I understand that part's hard, but if we're making 90-year total in a cheap area of the country. It's an expensive area of a cheap area of the country. Which is still a cheap area. It is.

It's, uh, I mean, yeah. I mean, if I'm in the most expensive town and the middle of a field, it's still pretty cheap. Okay, so I, but 90,000 just stretches really farther. Because if we're talking median household income in the United States, we're talking about 65. So you're already well beyond that. And I'm sure for your area, you're dramatically beyond. Okay. We have another quicksovers.

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So if you're the one trusted with finances, why do we have a card that is over-maxed out and the one previous was just under? What's going on? You're the trustworthy one. You're the one that took control. Why is this overmaxed out? I have impulse control issues. So why should you be the one in control?

I never said I should. But you're the one that claimed it. I am the one in control that doesn't mean I said... You put in an action to do it. Nothing just happens without action. Okay. Interesting response. I mean, I think we can objectively agree that someone at least made a decision at some point.

I think we both decided, but yeah, I give it to him to do it. So let's pretend it was all you and not him because he doesn't like any kind of crisis. When these credit cards got open, before I open them, I come to her and say, this is what I want to do. Yeah, only in the past couple years has he just like, just did what he wanted with him. Why have you given up? I think it was because we got the house. Once he reached his goal of getting the house, then it was like, oh, now I can just use it. I want.

So our retirement doesn't matter together. Our kid's future doesn't matter because we got a house? I don't. No. I'm just answering from my perspective. Can we take a break? Oh, yeah, sure. All right.

We're back. We had a moment to cool off. I appreciate it. Yeah. Thanks for coming back. So again, we were talking about this quicks over card. We're over the limit on this. So at this one, the limit is 8,000.

$8,026.33 is owed with a minimum fee payment of $261. 24 years to pay off. So we're both, both of these cards alone are getting into our retirement years. $181 of interest accrued. And it's it. Again, the cap is $8,000. So over by $26.33. It's like buying new bed, new furniture.

When did we do that? Bed was two years ago? Yeah, two years. So why are we maxed out to over maxed out today, though? I don't think we put a little bit and then we'll spend it on like stuff around the house or like Christmas or certain things like that. Back to school pops up and. Why on this card though? He just.

Why on a card that's at it's max? I don't know. I mean, it wasn't maxed when I put the stuff on there. I think he just does whatever's free, whatever card. So if he's paid that one down. Whatever is free? Whatever has space. Yeah, has space to put it on.

I mean, just using that word itself is what makes me nervous of where our mindset is with money. With what's ever free? Well, no. Sorry. He knew what I meant. I know you'd like to talk about credit card people and not credit card people. Definitely ain't. I was a credit card person for a while.

And then when it got out of hand, I don't know, something. flip and I just, I didn't care about that. I mean, it was prior to, uh, that's what I was trying. It was prior to me starting driving where like we were kind of, because I was in driving school, trying to make ends meet and stuff like that. I think that's when one of the second ones got opened and I, it. What made you lose the care though? In your own reflection. Yeah. Uh, I mean, when it felt like it.

It was out of control. I... Okay. It's a bad decision. So what spiraled into the out of control? Like what was something like, I just, I like a little reflection, you know, going back there. What do we think made it spiral? And then what just made us not care once we saw this?

The initial thing was going to truck driving school and not having income for, you know... We didn't have any income. No. No. How long was that? That was for like a month. Okay, did we have an emergency fund? I had, you're going to hate me here.

I had a disbursement from my 401K that I, the job I quit to get that. That's even more concerned about where we're at then. Yeah. Well, the 401K thing is even more concerned about where we're at then. Because, again, if we're in, what was it, $47,000 of bad death? Yeah. At almost 40, you know, we can take in about, 20 years from your guys' lives right now,

you can start withdrawing money from your tax advantage account penalty free. But what kind of retirement even when we're looking at? Remember, taking care of your mom heavily right now, right? Yes. Yeah.

Heavily right now. Now, a lot of it is because of medical, absolutely. But do you want to be in a position where you look 20, 30 years down the line, because you guys decided to live for now, instead of actually preparing for your retirement, your kids are still going to have to put their lives on hold.

They're going to have to take sacrifices when they're around your age to take care of you. And even if it is medical, if you guys are prepared, you will be able to then more be self-sufficient, maybe in-home care for yourself you could pay for in your own house without having to rely and put a kid's life on hold, right? Yeah. And that is what we're selfishly doing right now. Yeah, I never thought about it like that. It's more of living in the now than, yeah.

I've always been that type of person, though. And it is hard for me to change that. I have really bad impulse control. We've maxed out a thousand hours this year alone so far. So that's going to be two years, two thousand hours by year's end, which combining that with the last card, that's about an entire month's worth of income is going to be taken from you guys on two cards together. Oh my God.

One month of you guys working only goes to pay for interest on two cards. There's what it's going to look at by the end of the year. I had no idea. So this is a 26.99% percentage. interest, right. Okay, we have a Discover card. This is you? Mm-hmm. These are taking both of us, like I said.

It's under his name, but he has more control over it, but I ask him to... All of our... But you ask him to purchase. You're not going out there and swiping. I will ask him, hey, can we use this for, like... Listen, once behavior's changed, we can get you on something like the

FIS card, because it works as a debit card only lets you spend what's in your checking account, but it builds credit again if we care about something like that. And once you get back into the career field, I'll get you a course career certification as well to try to up your resume to get back into the workforce. Yeah, that was my other bit because I have been out for so many years. It makes it harder for me when I'm applied. If you're truthful on your resume, yes, it does.

And I don't like to lie. So, yeah. I mean, it's not great. It's not. Being a caretaker for her mom for medical reasons, is that? I guess it did. Yeah, potentially. Okay, what career field are you trying to get into again?

I mean, I would. It's years down the road. So you don't have to have an answer now. But if you do. If I did, it would be some kind of counseling. Okay, then that actually could be a little beneficial. Okay. If we're able to list the skills that reused under the caretaking is some sort of like helping and support and counseling that maybe, maybe that could help.

Okay. So this Discover It is Discover It is 3,000. Okay, just again, a couple hundred hours. under max. $3,982.53. Minimum monthly payment of $117. 21 years to pay this one off minimum monthly payments,

only no purchases, but no purchases were made on this. Yeah. No. Looks like your credit scores right on 700. Okay. That's, yeah, these are all just chunky

and they're just so close to max, which is what's so scary. Yeah, $668 of interest on this year alone, so it's going to be like, you know, what, 12? hundred bucks by the time the year's done. So now we're eating into the second month's worth of income. Where do you spend your money that are right-offs or deductions from your taxes for your

business, your toe business? Where do I spend like my-out-selling? I do it off probably my chime, my chime account. Is it a business account? No, it was just a person. It doesn't necessarily need to be, but it definitely helps with the organization of protection. That was probably- How are we doing our accounting?

So we're using a CPA at the end of the year? And they have access to everything. Yeah. Okay. Yeah. I just kind of mark down like a general. I always underestimate, like, what I've spent on my stuff. Like, I try not to, like, be like, oh, crazy.

A deduction. But I do, like, do a good amount for my nails and my toenails and stuff, like my pedicures and stuff. Okay, City Custom Cash. This one is about halfway. So this one's not at something. Actually, I'd say about a third. Who's city custom cash? It's mine.

That was a balance transfer about a year ago because it was an intro. From where? From what? From where was the balance transferred from? I think it was from the discovery. It was from one of the cards. So that's what makes me nervous, right? It's like I get you signing up for this program.

It might take less of a credit hit. It might incentivize you to open up another credit card. I don't know. 100%. I just need to make sure we change your behavior before we try to take this step and feel like we made any progress by signing up for a program from a psychological perspective because look what we did when we can when we transferred over then we built to discover all the way back up again right yeah yeah so that's what happens every single time in the history of

the show honestly anytime anyone does a consolidation or personal loan yeah they just transfer oh we'll get to the consolidation yeah that's gonna happen too and bankruptcy people do it as well so 600 dollar balance on here, $41 payment. Again, I'm glad there's no purchases. I don't pay the $41. I pay $100 so that I will be done with that and there will be no interest on that. Oh, it's in an interest rate until... Yeah, but you know what's interesting is I wouldn't even necessarily do that strategy.

Now, if we're paying this off quicker because it's the minimum, because it's the smallest, then we need to hyper-focus all of our extra money towards it instead of a little extra here, a little extra here, a little extra here, but even still, it's not necessarily the need to pay this off before interest accrues. unless there's deferred interest, but I don't see deferred interest happening. If there's deferred interest, that's, yeah, we need to pay it off before interest accrues.

But it doesn't really make back the mathematical sense to throw this to a card because it's interest-free. Trading Eshwab is now powered by Ameritrade. Unlocking the power of Think or Swim, the award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Thinker Swim desktop with robust charting and analysis.

analysis tools, all while you uncover new opportunities with up-to-the-minute market news and insights. Think or Swim is available on desktop, web, and mobile to meet you where you are. It's built by the trading obsessed to help you trade brilliantly. Learn more at Schwab.com slash trading. Just to pay it off before interest starts, because there is no back interest that hits. Now, if we're paying it off quicker because it's the smallest when we're trying to snowball, that would make sense, but then it wouldn't make sense to put extra towards Capital One quicks over it, either.

And that's what he's been doing. Yeah, a little extra. Just a little extra on all of them. Because that's not any debt payoff strategy. You know, we do their snowball method is smallest, the largest, avalanches, you know, highest interest or biggest, largest interest, the smallest. Those are the debt payoff strategies. There is no debt payoff strategy that's like a little more here, a little more here, a little more here, a little more here. Sure.

That doesn't get us anywhere. Obviously, I have not done well with that strategy. Yeah. He's been doing that for years. Where would you guys say all the extra money goes? Obviously, we talked about some categories and percentages, and we'll get to the spending throughout, but where from your own just perception does all this extra money go? Eating out when we shouldn't.

I haven't bought cards in a while, so that's not as much of a thing anymore. I am willing to sell. He did a big chunk with just like buying. I was selling chunks for a while, but since I'm out on the road, you have 24 hours to mail. So I can only have my store active. I could. I mean, she could.

I tried to teach her. She didn't really want to. Well, I mean, why? Learn. Well, the fact of moving and finding it in the hard. They're heavy. And if you can get lost in them. Oh, I'm sure.

But this might be a money thing because we're trying to, well, honestly, we're at the point. If that's not one of your having passions anymore or even if it is, keep the ones you care about, we just need to sell. That's what, well, and that's what I kept saying to him. I was like, I, well, you know, and I just, yeah, I need more of a knowledge.

I guess that's where the shed thing came along of, like, it would be easier for me to, like, focus. You did not listen to rules. I did not. I didn't, I didn't remember. I have it on vibrate. That was my alarm that I forgot to turn off. I'm sorry.

What, is it an alarm reminding you to take a tow pick? It was my Instagram post. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Weble is offering up to a 3.5% match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start.

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Get a $100 cash bonus for a $2,000 deposit, plus a 2% cash back on all deposits, and a 30-day premium voucher and a 4% APY booster on any uninvested cash. It doesn't get better than this. So stop overpaying for a platform that gives you nothing back and make the switch to Weble. Go to Weble.com slash K slash Caleb or hit the QR code or the link below. Let's get back to the show. Right. Okay, this Capital One's Coles card is paid off every month, so I'm not going to write that down.

But I am glad to at least see that. I mean, there was like a... We just opened that. Hold on. Pass Duffy. That was me. Why? Because I didn't know. She said she'd pay it.

And she didn't you? Went the day after. I went the day after. Why, though? Because I was incorrect on the day and. Where was it in auto? That I couldn't make it. I don't have access to that account like that.

So. Would you have access to make the payments? Yeah, because you go to, you go to the stores. Like I would have to drop. You literally physically go to Coles to make your credit card payment. She has one. Yeah. She has once.

That's not a every time strategy. That was a new class. She said she'd take care of it. And so that's how she could do it. And I bought makeup on it. So, yeah, it was my responsibility. I took, I take that late fee responsibility. What the fuck?

It's so weird. That was so stupid, yo. No, that's the stupid? That's the second one this year. Did we know that? We're the Hartford, with decades of experience insuring millions of unique small businesses, when it comes to your small business insurance. Thank you.

One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Yeah, it was both me. Well, I know that. But we know that it was two this year? Yeah, I guess. No, I really thought it was one, but. Well, it was it.

I told you when the second one happened. that you had already done this. I kept doing it. I kept thinking that the state was on that. Yeah, but if you fuck it up the first time, then how do you not take extra caution in the second? I suck and I don't put shit in my phone. Oh, shut up.

That's a dumb ass. That's a bullf excuse. Well, I don't. Take a little bit of responsibility. I suck. I tell myself I'm going to put, put like, it on my calendar. Like, this is, oh, it's due this time. Oh, why don't you?

Because I just don't. It takes. I end up forgetting. Oh, my gosh. It's a half a second to put something on your, an iPhone calendar. I know. He tells me all the time.

You just tell the fucking Siri. Yeah. No, I don't have Siri. We have, we have Samsung. Okay, you just tell Googling. Yeah, Google or Bixby, but Bixby doesn't like to listen to me all the time. It likes to argue with me. But yeah, I do take responsibility.

I told myself I wouldn't let that happen again. But you did. I know. That was barely. Meaning you're untrustworthy. It's true. Man, driving. So what are you going to be like when you have?

have access to the full account then? What do you mean? Are you just going to destroy it? No. I wouldn't because I would be more responsible, I think. Oh, wow. That makes me trust you so much. I believe it.

That makes me so confident. What do you think? It didn't just give me a massive amount of confidence. It doesn't inspire confidence, but I don't want to feel like I'm, keeping her in the dark about things. Oh, I don't want that either. I have shown better from that on my account. Like, I borrow money and I get it back and I pay it back all the time.

You're borrowing like little cash advances? Well, yeah, like through my, through my... Come on! Which can be an okay tool, but not when people can't... You would agree. I had a tire thing, okay? A tire thing. I had to get two new tires.

Talking about deferred interest. Yeah, and this, they were going to charge. That's deferred. Yeah, they were going to charge me over $1,000 for $450 for these two tires. But it was like two, three months, whatever, same as cash. Yeah, three months, same as cash. And you did it in time. And what I did, yes, in time, I made sure that I, what I did is I borrow the money from cash shop

and paid that off because it was cheaper. So she didn't actually pay it off with their fucking money. She borrowed to pay. But it was cheaper. Debt for debt. Yes, it was debt for debt. I don't advocate that for debt. It was that or I paid the $1,000.

So. Yeah, the bill that it was. Yeah, that it was. But it didn't, it only charged me. Cashup only charged me. I think it was like 50 to borrow the $3. So you still paid a fee to make your bill? I did.

No, I would not advocate for that. Okay. Well, I thought so. In my mind, that was better than paying the $1,000. Okay. It's not a debt. as far as I can tell. But money in, $1,060, money out, $1,1006.

And then a fee to have it. Loan drawdown. Coles, Coles. There's the call. Loan drawdown. Jack's ice cream, tropical smoothie, Ozarks Coca-Cola, trying to write that off on her taxes too, I bet. Slim's chicken.

Making a payment two cats. In a certain town. Yeah, we bleeped it. Popeyes, Zisk, Rich, Freddie Wood, McDonald's, brew coffee, harps, brew coffee, McDonald's. Dude, you make no money. You cannot do this. This is just bullshit. If we're doing separate, like, fuck you, you just can't get this.

And if we're doing combined, you can't get this because you have $46,000 of bad debt anyway. She has a big seven brew habit. I do. Well, not anymore. You're brewing at home. Okay. At 7 a.m. Yeah.

Little Sweet Paradise 7 brew coffee and Taco Bell. Spent so much going out and getting bullshit when we have such substantial bad debt. Unacceptable with three children. Unacceptable. The Discover it personal loan. What is this? Is this the consolidation? Oh, what did we consolidate?

Because we are at $21,038. And 52 cents. What did we consolidate? Give you three guesses. First two don't. Oh, fuck me. Okay. And then we built them all the way back up.

Christmas. Oh. You guys make actually really good money to be able to do all of that. That's what I never understood. No, whatever. I say, I don't know. I tried to have her do Christmas throughout the year and she's like, no, let's do it. Oh, the same time.

But you give me the same amount every week. So how am I supposed to do that? Because you can do Christmas together. Yes. Just set a Christmas if we. want to do a big Christmas set a Christmas fund aside on a monthly basis. You don't have to buy throughout the year, but set the fund aside. I do like that.

I do. I guess I've never thought about, like, just making a fun to put into throughout the year. It's what my mom does. I don't know what I thought about it. Okay. Yeah. It's at a 12% interest rate, better than credit cards, sure, but doesn't make the difference when we've built the credit cards all the way back up.

Anyway, it's this insane. That's $21,038. This debt is immense. This debt is immense. What's survey solutions? That's our mortgage. Yeah, mortgage. Oh, thank goodness.

Thank goodness. Okay, love the interest rate 2.875. That is why I will never ever refinance. Yeah, 169,575. And $14. Minimalsipayment, also great, cheap area. $1,234. Cash.

Can't even get a room that. cheap in Austin. That's incredible. All right. Yeah, we're never moving. That's a second position for down payment assistance. It was a first-time homebuyers program. What's the house worth? Right now it's worth close to three, probably.

Okay, so at least we got an equity position. We do have equity. And I've been paying over on that. Yeah, he's been trying to clear that. Oh, why? But the interest rate is so small. Why? Yeah.

Just to get rid of a payment? Honestly, I wouldn't necessarily do it because it's not the smallest balance. I wouldn't put, because this is neither smallest balance nor highest interest by far. So I actually would not put anything extra towards this. Okay. It's an $80 payment, $88 and 37 cents? Yeah. Typically?

Okay. No, listen, maybe I would attack it if we didn't have an equity position and the market it was kind of flat there since you bought it. But since it's gone up so substantially, and you guys have an equity position, which protects you in case of needing a sell for whatever reason? No, I would just minimum until it's done. Okay.

What? Nothing. You're on my bank account. What's the, which one would, well, I guess we'll get there. The debt payoff strategy? Yeah, we'll get there. So credit builder account is you. Mm-hmm.

Yeah. Okay. So, you know, that's, you put in your payoff, put in payoff. What's this bullshit? Yeah, it's the same. Boom Springs, miscellaneous, and dominoes and seven brew. We're back, Roblox, so we're letting the kids spend on Roblox there.

That's my youngest. I make her sweep every day for it. She gets $4.99 per... $19. Per time she asks. Yeah, it's about a week. Why not just do a weekly allowance? That's what I do.

No, sometimes, but... Yeah. But she sweeps every day. The other two kids. Who's doing this? Both of us. What are you guys doing? No, we want to be around for our kids.

We don't know long-term consequences for vays. I quit smoking after 20 years. Well, that part's good. Yeah, and my plan is to quit vaping. Please do. Arkansas is cracking down on the types of vapes they're allowing and what can be sold. Well, I wish that wasn't the reason. Neither one of us are, well, it's not the reason, but it's definitely a kick in the

Yeah, it's to help me do it. Neither one of us are going to go back to smoking, so we're just going. I'm never going back to smoking cigarettes. Now, when you told Colton that you were negative on this account right now, does that mean you paid more than you owed on it? Or are you saying you're like over? I'm overdraft. Like, I, yeah.

It's bad. Do you even know this? He knows. What the, so again, what happens when you get access to his, the main checking account? If you're overdraft in your own small one. I would, no. Just for the sake of Seven Brew. Yeah, it would be for Seven Brew.

I just, I haven't been able to get out of overdraft. I helped with a lot of stuff. Yes, I agree. We're vaping and Seven Brew and probably vape it and getting some more Roblox Tropical smoothie. Hot topic. That was for my daughter. Honeybee, Seven Brew, going in getting some BS, probably vape, probably vape.

We needers-nitchell, probably vape. Amazon, Amazon. What the fuck are we doing? What are we doing? Credit builder, endless fees for days. Okay, ally. So is this the main guy? What is this?

It shouldn't be. I don't know. Well, spending accounts literally ended at negative $22. That would be the her account. So this is two accounts now in a row. Hey.

Plus cash app being brought down to zero. I don't ever know what's on that. So sometimes I do make purchases. I should have enough on there. Oh, and this is for AMC, Domino's. Cash app, Amazon, more vapes, cash app. Yeah, because I send the money to my cash up. Taco Boca, Taco Boca, Taco Boca, Taco Boca.

Oh, Toka Boka, Tocoboka. That's my daughters. Yeah. Another Google one, you have two Google ones. See, no, that's what I'm saying. I don't understand. Cash app. Vap.

Nails. Cash app. Microsoft Apps Mountain. Cash app. Roblox again, more vapes. And then go in and get into BS. So you also stop at the gas station. You get some bullshit quite often.

A couple times a week at least. No, I just get gas. Do you 100% do? No, because you're not going in and getting $3.40 cents of gas. My red bulls I get or my alarm. Okay. Yeah. That counts.

Yeah. Yeah, let's do that instead of our household's future. Just lately. Okay, is this the main account, the one that ended with 48,000, 4,900 came in, 4,900 went out? Is it the main account? I think so. Because that's a dangerous balance. Or is that the, oh, fuck.

So, I'm scared to have $48. After the tariff blow up. Curious to see how this is. Oh, trucking. Yeah. It has taken a hit. So freight dropped. Yeah.

But I do intermodal. And so most of the stuff that I do, and most of the stuff that flows around America is imported. Yeah. And so there's been a huge, free drop. And we relied on me working overtime. Yeah. And we don't have any overtime anymore. You're still projecting about 80 to 90 this year, though?

I think when I just did my annual review, but that's the first part of the year where I had overtime, I think. think he projected me at 84. That sucks. But with, like I said, if I'm projected at 84, and that includes a bunch of overtime. Well, to be clear, we're relying on overtime because, again, we spent minimum a couple thousand hours in bullshit alone. So, I mean, we just have to make changes. We can't live the same lifestyle. Yeah, I agree.

Absolutely. We've been living above our means. Yeah. Okay, winning us in BS, Cox, Communic, Internet. Okay. McDonald's, Fenway, now, but that's sell payment to data says, there you. Queen, Derek Queen, Wendy's KFC, Allen refreshment,

Audible. I'm okay with the audible thing, especially because driving. I'm okay with that. I actually cut that out. Okay, well, I'd rather fix the fridge. I started listening to Spotify. Audio books, yeah.

Well, not even the audiobooks, but podcast on Spotify. And so I've paused my audible. Our internet bill is lower, but then, yes, I just need to fix my... Well, that's okay, but we're going on to eat like crazy because we just need to fix this fridge, dude. I just need to fix this fridge, dude.

I just need to fix it. Mix the fridge. So winning, got some BS. Winning got some BS. Because obviously you're stopping at gas stations on the road. I would just try to buy them bulk and keep things. I do like try to use my points as much as possible. Well.

Because I get rewards points for fueling. Okay. A. GM which raw gamer subs. Got some gamer subs? That's instead of doing energy drinks, that's what I drink. He drinks the gamers. I buy those.

Well, isn't it an energy drink? Yeah. You buy the powder and make them. a little tub of the powder. And so I may, it's, it's caffeinated Kool-Aid. Yeah. McDonald's, those amigos, winning got some BS, winning got some BS, bojangles. Door dashing, Chichangang, winning got some BS, winning got some BS, vaping cigars, hot topic.

So the door dash was because I was in the middle of St. Louis. No, I'm not even doing it. Literally at the yard, they don't have anything within walking distance, and I wouldn't walk. if I could. You can ride out there with me and you can walk around if you're going to. Nah, I don't want to go to see those. No reason. Winning got some BS, anti-ans, winning got some BS, door dashing French.

Annie Anz was when we went to the mall. I don't get any. Taco Johns, Cash App, Cash App, McDonald's, getting some BS, features, Happy Donuts, Zaxby's, ice cream, Fred Tilly Wood. We got some BS, McDonald's, BS, cash app, and cigars. BS, BS, McDonald's, theme purchase, Taco Bell, Venmo, and now Grand Lake Resort, Grand Lake Resort. That's our annual family reunion.

Yeah, that's cost us a lot. We even debated not going this year because of it. Well, it would have been much easier to afford. I mean, you guys go out to eat insanely. And you guys stop a gas station to get things like crazy. You guys go vaping hot topic and roll blocks. Yeah. Yeah.

The amount of money we spend is ridiculous. savings is gone from 502 to 503 in allies so I guess we're holding a bunch of crypto in this account. Huh? I just sold that. And put it towards something? It's sitting in the savings account right now. So a couple thousand in savings.

Okay, here's some retirement. 401K, 8,333. Is that you? Yeah. Okay, dramatically behind for age. How much did you take out before? I think it was a $4,000 disbursement. Yeah, it would have compounded pretty great at this point.

11, 401K is at you? I mean, my balance was bigger, but it wasn't invested. So when I quit that job. Oh. Yeah. Oh, it was invested. Yeah. 11,000 is that you?

So you have it a separate 11,000? What? Where? Is this the same account? That's the same account. I have 8,300 and then 11,000. Yeah. I think one of those was all I could get

and so I took a screenshot of the other one for a up-to-date version. Oh, vested, and then here's the balance. Okay, got you. Okay, so 11,000. And then current. Yeah, I don't have none. They only gave me, I think this is a quarterly report.

You should be approximately around $200,000 for your age and retirement. For what the household is. Yeah. Okay, minimum payment is outside of the mortgage and the down payment assistance is $1,295. $44. Now, mortgage plus down payment assistance is $1,322.37. What is the utilities in the Internet all combined? Internet is new, so we just got fiber.

So that was 109. Gas is 909. And average for all the rest of it, it's municipal, so it's all combined. It's around 170 to 200. Call it 185. Okay. 384 for utilities. Good.

Phone bill? 280 right now. Oh, why? Because we just did a bunch of dumpion on Christmas. We got our daughter's phones, new phones. We got our daughter's phones. If T-Mobile's good in your area, I would definitely do more of a third-party service like helium. It's so much cheaper.

But that's once you guys pay off your phone. But we'll do 280 for now. Yeah. Uh, gas, both of you combined. I don't use gas. Yeah, me, I, I would say probably $80 a week. A week? No.

I feel, I do like 40 and then 20 towards the end. So about 60 a week, yeah. Okay. That's going to be 240, just about car insurances. That's cheap. That's like 88, right? Uh, so 80? Yeah.

90. 90. Okay. TP fun for the house Three kids Yeah that gets hard TP fun What is that all

Anything else your house needs Outside of groceries And everything Outside of grocery Okay well let's do groceries first Okay let me see I mean We could do

We should be able to do About About a thousand Yeah Got a meal prep though This is meal prep in time We're doing some meal prep I'm okay with that

TP fun I'm gonna say about. I can't just say 250. You might have to go higher. I might have to go higher just because they're girls

and I have to get stuff for them. 300. Yeah. Some is deferred to next month. Some, you know, some months are higher,

some months or lower. We're averaging out 300. Okay, health care, co-pays, whatnot, prescriptions. Co-pay. Yeah, there's co-pays.

Every month. I have a doctor bill that is 70. Cool. And, oh, prescription is just $15. Okay, so 85. Gotcha.

Gims? 20. Jims? Oh, 27. Subscriptions, I'll give you for the household because there's a little more with kids, 50 bucks. Okay. Any pets? Yeah, we have one dog.

Age, health? Old. She is about nine, but she's a pit, so she's close to end of life. And to no health insurance. Not doing great, no. Yeah, what about food? Dog food, how much? Dog food?

25 every two weeks, plus a bag of 40 a month. So $25 for a bag that's like 10 days, but then I also get dry food. How much a month? Trying to think, uh, 25, 25. I would say 100. Okay. Anything else that needs to be in your budget that I have not put in your budget? What was I just thinking of?

My brain wants just thinking about it. I mean, yours will be more detailed than you make it. We put things in the TP fund. You can figure out your grocery a little more locked in, but this just gives us a general plan, general idea of what we can do strategy-wise. Is that $1,000 including, like, I usually spend about $50 to $60 on groceries a week

when I had my fridge. Yeah, it should be. Because it's discounting what you would need from home anyway. Oh, we have the braces payment. Oh, yeah, braces is $60. Yeah, it is a debt. Well, we'll include it in medical. Okay.

interest on that on braces do you know there's none there isn't 5,233 dollars and 86 doesn't give us a ton of wiggle room for such a powerful income but that's the minimum the payment situation we got ourselves in 750 bucks I'm going to call it I'm going to round it down a little be a little more conservative 750 bucks I would absolutely though do smallest to largest I'd get rid of that city like that because that frees up a $41 minimum payment that funnels into the next thing. And then I would go from city to discover it to... I'm not going to do the down payment assistance.

So city to discover it to Quicksilver and then the higher Quicksilver and then the personal loan. And then after that, I'm chilling. And then get a fully funded emergency fund and then dramatically catch up in retirement. Probably 25% on a monthly basis goes to retirement. So 50% you need 25% for fun, 25% to retirement. Let's see. Bad debt I was headed outside of the mortgage.

42,383.77. This will, that's going to take a while. Yeah. Six months. That's not the end of the world. How long? About four and a half years. Four and a half years.

I think with the credit counseling, it was about four to five. Yeah. Well, that's, yep, four and a half years. But that takes an account of personal loan as well. Yeah, correct. Plus your credit cards and personal loan is four and a half years. That was for the credit counseling, they were willing to do all four accounts.

Oh, they would take in the personal loan as well? Correct. So, yeah, I mean, I would go, you know, you can go about it either way. I would look at the protections, what fees come with signing, all that kind of stuff. So if I do this plan where I'm lowest to largest, I can have it all paid off in four and a half years. On my own. On your own. And we stick to that budget.

Following that budget. And there's going to be a little tweaks here and there. Hopefully income increases over time. Hopefully the sheriff's situation, you know, levels out for you and helps with there. And we need to get you to make more money. That was another problem. I was working a lot of overtime and then that was causing burnout and then... Well, sure.

I want you to pick up some more stuff. I'd rather you honestly get... So even just like a call center working home job. I was going to do trying to do some nail, like help at my nail salon as her assistant. Whatever you can do. The more money comes in, an extra $250 bucks that comes in on a monthly basis, net immediately speeds us up to probably four. years, three in three and three quarters, you know.

It feeds it up dramatically. Okay. All right. Are we going to give the Hammer Financial Score for the household, but come join us in the post show, bringing the producers and talk about some things that we didn't have a chance to talk about, a lot of other crazier things that would get us demonetized. That's how it goes. But Hammer Financial score, Spending a Budget, Lillie Overspent, 0 out of 10.

Debt, no collections, but high interest, bad debt for sure. Over the limit on one, I'm going to give it a 1 out of 10. Emergency Fund. Well, we've taken from crap though. We've put in the emergency fund a couple thousand hours there. For the household, they'll give it two out of ten. Retirement dramatically behind our retirement for sure. Two out of ten real estate.

Good equity position. Having a down payment assistance loan is technically going to bring it down. Great interest rate. Minimumously payment we can afford for sure. It's a good situation relatively. Just have an out of ten. We're really lucky with the house. We got lucky.

The mortgage, all of it. It's going to be a hammer financial score 2.5 out of 10. Come, Joy and Hammer, to beat the best membership on YouTube and join us in the Post Show. Three premium shows today posted Monday through Friday. Join below.

I'll see you there. She wanted to confront the idea of these. If you're just going to keep something that could sell for a couple thousand dollars, why would... I don't have anything that's worth a couple thousand dollars. That was what he was hoping for. This is crazy and I never do this, but I want to see your feet.

Done? Yeah. Yeah. Do you just want to see them? Glusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us.

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