Financial Audit - He’s Choosing Xbox Over His Wife And Kid | Financial Audit

Episode Date: July 10, 2024

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. He's negative in his debit card, co-sboy. He's not getting any money. I'm gonna stay home dad. Then why are you spending money? Why aren't you at least doing a fucking new breads or DoorDash or something? Make ends meet for you in your family. Just wanted to take a little time to relax. What do you have?

Time to relax do you have? Yeah, how does that feel? He's taking time to relax when you're out there grinding it. I don't think video games is more important. Hey, guess what? You're a dad. We have fun, though. Huh? Hi, my name is Vanessa.

I'm 21 years old. My name's Anthony. I'm 22 years old from Houston. And this is the financial audit. The financial audit. We'll start with you, Vanessa. What do you do for a living at 21? I'm a meat rapper.

Meat rapper, wrapping that meat. That's exciting. I bet you love that. So how much do we make doing that? An hour or? Yeah, sure. 16, 50 an hour. Okay.

16, 15, an hour. How many hours a week are we working currently? 30 to 40. 30 to 40. How inconsistent? Kind of inconsistently. I'm just trying. I just started to get into it. So, yeah. This is a new job? A new position. I've been working at the same store for like over a year now. I just transferred. And what do you do for a living? For right now, I'm a stay home dad. But, um, I...

You guys have a kid. Yeah. Yeah. Okay. Who. I know people used to have kids when they were young. I guess it's actually a very normal thing for so many people. But to me, it just blows my mind. As a 29-year-old who's like, I can't even imagine having a kid yet. I'm like, please, I'm just a little baby. It's just like, how the fuck? Like,

who, but, okay, good for you guys. Planned? No. We knew what we were doing. Okay, you're a professional meat rapper. You should have wrapped that meat. Yeah. That wasn't my, that wasn't my job.

Okay. Wow. So how old's the kid? He's two. Whoa. So this was young. Similar to like when my parents had me. Okay. Wow. So we're relying on the single income of 1650 at potentially sometimes 30 hours a week. How are we doing off of that?

We're barely making it. I mean, we're still going past it, but it's kind of, we don't have no extra money for nothing. Yeah. If I need money, I would. but ask my mom. Be like, oh, can I borrow this much?

How much will we borrow from her mom? Right now, I owe her 50. Not much. $50. But how often are we doing this? Pretty often. We're paydaying from our mom?

Okay, stay at home. Dad, obviously, okay, we're breaking gender stereotypes. Whoa. So, wait, but there are two. Okay, I guess we're avoiding daycare.

Daycare is expensive. why is the stay-at-home dad what we've chosen well for right now i mean i was waiting for a job interview because um i i've already had the interview i just i have it on thursday but uh i was just waiting for them to call me back so but it took a while have you've been two three weeks it was more like a month over a month how long have you've been out of work a month oh what happened what were you doing uh i was working at my friend shop but um friend shop. Yeah, but I had gotten kind of like fired from there.

From your friend. You have to be really bad at your job to get fired from a friend, don't you? Yeah, I was, well, I mean, I was, I was working there for a little bit for like a week, but her and her mother were complaining that it wasn't enough pay and I was away from home for a long time, even though it was really easy job. Even when your mom were complaining to his friend, who was his boss at the same time? No, we weren't complaining to his friend. We were complaining to him because.

And I was complaining to my friend because. What were you making? I was making like... He was making like 13 something an hour. It was the shop and what was your position? It was like a smoke shop and I was just in the back just taking out the orders that they order.

But he was selling. Selling. Oh, under the table? Yeah. Type stuff. So I'm not really legal. Yeah. Behind your friends back?

No, no, no. No, that's what the shop was. why wasn't it legally sold? I mean, it was just... It's Texas. It's not legal here. But the shop was to sell it. Well, I mean... Oh, yeah, yeah.

The shop wasn't registered, basically. So it wasn't like... Because I know next to my condo, when I used to... I can say it, because I lived there. It was on... Boulevard. And there's like this collection of shops. There's an Alamo draft house right there.

And there's a shop that grows in the window. and they sell it in a way where they're like, if this catches on fire and smoke comes from it, you know, that might be something that happens. And that was their legal way of being able to sell it. And they sell like a certain strain that's legal. But it sounds like you guys aren't doing this. This is not.

Okay, so I'm trying to understand. So I know it's illegal in Texas, but like places in Austin, they don't enforce it. Yeah, well, I mean, it's just like they didn't really, it wasn't they didn't build it enough to her to to get attention from like police or anything like no one that would like suspect anything yeah because it's like actually dangerous things happen yeah so it was just like um like under under the table like you said like stuff on instagram that we have like customers why did you get fired uh my complaining

complaining and they don't have the money for it either i want to say well it's not that i mean like if why didn't he just say no uh uh I mean, he did say no, but they always just like always come back, come back, come back, come back. He was working 40 hours and six days. Like, but a normal job, you'll get five days for 40 hours. Yeah, I mean, it sounds kind of just like a weird job, small business. Yeah, it was, it was like a small business. So I was trying to help him, you know, build it up.

Yeah. So, I mean, I was still getting paid. Well, 13 bucks an hour, right? Yeah, 13 bucks. It was. I mean, that is more than zero. dollars an hour and it ended up becoming zero dollars an hour but he had a job before that like a real job oh when it was um he quit for that job he didn't even talk to me it was a it was a job at papa's

barbecue so i mean but the thing is that i was already kind of why weren't you why aren't we discussing what we're trying to do though because it could impact things why are we why are we not discussing because i mean i kind of i kind of already knew that she would say something so i just well what do you think then so does that make sense to then just go do it i mean i had told her But I had told her the last minute. So when it's done. He had already put in his two weeks. I'm not saying you can't do it, but just like, don't we inform our partner?

Yeah, but at the time I have the conversations and it was just like a quick, it was just like a quick thing. So I didn't, I didn't really get that time. How healthy is this relationship? Oh, no, we're fine. We're good. We're good. But it's just like, it's just like communication.

We isn't already. Oh, it's just good. It's not really strong. Everything's great except for the most important thing. Yeah, the main thing of the relationships. Not there. And even then on top of that. Before that Papa's barbecue job, he had another job at some, what is it called?

The grocery store? Yeah. And he quit mid-shift, too. And that- What are you? What are you? I know you guys are young. It's because I had a coworker and-

Did you have a kid? I have a kid, yes. If it was just you just fucking around, that's a little different. But the thing is that, okay, so before that job, I was working at Pappas again. So I left Pappas to work at that job. How much are you making it? Papas. I was making like 14

So he went down A dollar So why was that the biggest? No, okay So first when he was working at Papa's He was making like 12 Then he quit to go to the grocery store

And then he was making like 18 18 but it was overnight work Okay And then he got tired of that one co-worker He really didn't even talk to nobody about it Because he was He's been there for like five plus years So he always thought that he was a shit

Like, he was on... For five years? What is this high school? What is this happening? So he would, he would, like, always boss me around. But he was, he was nothing. Like, he was the same... Talk to a manager.

I did, but he's since he was working there for a while, he was... Five years. He had favoritism. It's hardly, okay. And he was like the best. Because nobody wanted to work there. Yeah. He would always quit after him.

Somebody else quit. Well, I'm okay with you going and getting a different job. Okay, so we went back to Poppies. Popas. Mm-hmm. And then from there, um... And then you took a dollar cut. Well...

So why was a dollar... Oh. I had gone more because they raised it more, so... So what were you making before you went to $13 an hour at the job you got fired? It doesn't even like matter because you got fired from that job anyway. Yeah, so like the first time of Papa was, I was making like $12. And then I left to make $18 and I came back. I was making $14.

And then I had left again to make $13. So, okay, what's the big freak out between you and your mom for $1 down? Because he was sending The Part You know, you said Originally you said it's because he wasn't making enough So you and your mom complained

That he needed to make more But he wasn't making enough He could have made more at another job Were you making more with the under the table selling Than the 13? Kind of Because it wasn't for

For the 13 It wasn't really Like it wasn't like guaranteed Of like a 500 Like paycheck What? For that 13, I would be making 500 every week.

But for the other one, it would be biweekly, and I'll be making like... 800, 900, 900, maybe a thousand. So it's kind of less. It would be less. Okay. So you got fired because you were asking for raises. Yeah. I got fired because I was asking for more, even though it was...

The business was still small. Yeah, because I want to say, but for what he was doing, I want to say that he was... I walk into work every day and the first thing I hear from Noah, Like, oh, daddy, please give me a little raise. And then I punch him and lock him in a closet. That's what happens. You want yourself. I don't know.

Yeah. I have never asking for a raise. Yeah. So they were just complaining. The more they complained, the more they add on about stuff, like, oh, like, it's dangerous. Like, yeah, it was dangerous. But we also were, like, protected. We had protection.

So, I mean, it wasn't... Yeah, protection. A firearm. We had a firearm. Okay, this is weird. That's a weird job. But you got fired from it anyway. So what the fuck you're doing now?

What's the interview? The interview? It's just a freight handler. Yeah, freight handler. So it's like a warehouse. So I'm just going to be toured around the building. And then I'm going to see what they do after. Where are you in the interview process?

Have you not had one? Or is this like the intro? This is the intro. So it's not a guarantee for sure. It might be guaranteed because I have someone in there. Yeah, somebody got him that interview. That can definitely pull some weight. Yeah, it can pull a lot of weight, actually.

Yeah. Okay. Okay. I'm still young. So literally right now, though, 1650, on a slow week, we're making $495 before any deductions, before any taxes a week, $25,740 a year, assuming no time on. off. Is there a paid time off? I'm not full time. Assuming you, well, 30 to 40, kind of.

I pick up hours. How are we surviving, guys, legitimately. How are we surviving? Living with my parents. We don't pay rent. Or we do pay rent. It's not a lot. Yeah, it's just like a couple bills we pay to help out. Okay. Yeah. I mean, you guys are kind of forced to live with the parents. It's not really much of an option. Is that what we want to be doing? No.

Then, then, I don't know. Does it feel like, I mean, you guys are in your 20s, but young 20s. I mean, we're still in the same decade, but I'm just getting a sense. This is a sense. We can prove me wrong during this conversation, but I'm getting a sense that we haven't grown up yet. I feel like we're still kind of children, especially with your whole situation. The reason I dug into that was just to learn more about you, because it doesn't really necessarily matter figuring out the income and everything of a job that you. it's already gone but you know just learning about you as a person and you know just quitting midship

because we had a little bit of a beef with someone at work and then we worked in a legal job kind of that we got fired for because we were begging for more money it says I don't know I feel like and then you and your mom complain it's I don't know I feel like we just haven't like grown up yet but the kids kind of forcing you to at the same time yeah two-year-old kid so like yeah because I mean I always take their words so like if they say something I'm like okay well So, like, I got to go through with it. How are our finances? How are we looking today, guys?

No savings. No savings. And the negative. We laugh about that. Okay. It's interesting when we have a kid. Okay. Sure.

So no savings. He's negative in his debit card because, well, he's not getting any money in there. What are you doing? Then why are you spending money? I'm not spending money. I haven't had no money. Bill? Or what?

How are you negative? Why aren't you at least doing like new breeds or DoorDash or something? I was trying to. Why aren't you working at a coffee shop? Why aren't you scraping gunk somewhere for like $7 just to at least make ends meet for you in your family? In between the job. But I mean, it's just that I haven't had, like I just wanted to take a little time to relax. Time to relax?

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Stop buying sweet treats, people, and start investing. Well, I mean, I'll be playing on my son. Yeah, how does that feel? How does that feel that he's taking time to relax when you're out there grinding it? $16. and 50 cents an hour. She can't, she can't have a place to call her own

because you're taking time to relax. Something tells me the kid equals video games. Yeah. Oh, I know that. I can smell it from across the room. You don't stink. That was more of a just saying.

You guys smell fine, mainly because I can't smell you guys, which is what I asked for. Okay, I don't think video games is more important. Hey, guess what? You're a dad. If you were 22, 22 and you weren't a dad, and you were single and you're around, maybe a little in college, like, well, okay, fine. What I dig into you absolutely?

But you're a dad. You got a little, you got a couple of responsibilities right now. Yeah, I mean, I also wanted, I wanted to try. Okay. Yeah, here we go ahead. I wanted to see if I could start a YouTube channel of gaming. Oh, okay. So I could also play with my son.

Like, well, he's watching. So I can play with my son and then. Sounds like an excuse to play video game. Well, I mean, it's not even that. It's just that, like, I really enjoy video games and YouTube is a good hobby, like a side hobby. There you go. So I can. What do people with side hobbies usually also have?

Yeah, but I mean, I was, a full-time job. I was just waiting for my, for this interview to come up. Yeah, four weeks, buddy. Like, at that point, plus there's no guarantee you're going to get the job. That's the thing that hurts. You're really, I know, you have an inside connection. That is going to help. If I was a betting man, which I'm not, I would probably bet that you're going to get the job.

But there is still the chance that you're not. So what I would do is that at least be looking for other jobs and working other jobs. You had zero dollars in savings when you lost your job, right? Right? I had what? Right? Zero dollars in savings? Yeah.

Okay. So that's when we're going and the day we lost her job, we're walking into McDonald's and saying, I'll fly some fries in the middle of the night. Okay? You have a kid. It's not a comedy show. You have a kid, a child, a real life child that actually exists in this world who doesn't have their own place to live in that you would like because video games.

I just needed to get back up my feet from my current job. Yeah, it's not really a choice, buddy. I didn't know it was going to be like three weeks until they called me. I was waiting like, oh, like at least a week.

That's what happens when we don't have a backup plan. That's what happens when we don't get out there and grind. I would have grinding, but you didn't know. And if you don't know, then you have to. He didn't know it was going to be this hard to find a job. What do you mean?

How many jobs have you applied to? No, okay. So his first job, like his first job that he ever had he was working at little scissors he'd worked there for like three years i want to say and then after i got him the job at um at papas well because my aunt works a manager there and then i got him the man i got him that job at the grocery store yeah so like it's always been it's always been because i had someone in and the in the company so you've

never achieved anything on your own i've always had the help with someone i was like it's okay for help That's not a shame thing. That's how I grew up. What's the fucking game are you even playing? Fallout 4. There's been a new fall in forever. In your grinding fall? I mean, I'm...

On what? What are you playing? I'm on Xbox. Okay. But I do have a PC, but I haven't... It just sits there. Yeah, it just sitting there for a lot. Can we sell it? Do you get us out of debt?

I literally just got it for his birthday. Starting a business can seem like a daunting task. Unless you have a partner like, Shopify. They have the tools you need to start and grow your business. From designing a website to marketing to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz, and all birds continue to trust and use them. With Shopify on your side, turn your big business idea into sign up for your $1 per month trial at Shopify.com slash special offer.

He was telling me, he was like, wait a minute, you got it. I mean, your finances aren't I know I've been digging in on you, so I'll... I know you don't have money. Game UPCs are not cheap. How much did you spend? Like a thousand. Oh, fuck me. Again, we have a kid, but we're acting like kids instead.

I'm going to count down from three, three, two, one, go. On go, I want you guys to give me your collective household financial score, you two. Zero being the worst, ten being the best. Where do we think we are? Three, two, one. Five. okay so you guys think you're right down the middle doing solid doing okay you're getting through people with zero dollars in savings people who can't live on

their own people who blow money they don't have people who don't go and get jobs sure okay if you want your hammer financial score it's free in the description below and if you also do not stink from across the table feel free to apply and come on the show Calebhammer.com slash apply okay I'll look at the finances We've been talking for a bit, but we haven't touched finances. Oh, fuck me. Oh, fuck me now. What are we doing, guys?

What are we doing? Who owns the Capital One? Both? Are we both on it? Or whose card is it? Just me. You, the one who just spent $1,000 on a PC? Yeah.

What are you laughing at? I've had that card since. And it's funny? No, it's not funny. that was my first credit card I had gotten in it I was just like I was like

oh yeah like I want to build on my credit I want to buy a house I have the funds to pay it I want to buy house and yeah we can't move out of her parents

okay and yeah I just accumulated and then now it's just like oh it accumulated the minimum it's over the credit limit $500 is the credit limit

it's of $568.00 $0.56 $14 for the 8 of interest of grueurine $25 of fees even worse I don't get it you put a little more than a minimum monthly payment towards it but

you went and purchased $116 why are you purchasing on a card that you can't afford to pay off that is over the credit limit well accruing interest why that was my first late payment it's a late payment

yeah oh I thought it was over the credit limit thing So we're purchasing an undercard that's over the credit limit That's a green interest that we can't pay off That we're missing a payment on How in any world does it make sense To purchase $116? How in any world has that ever made sense

And that ever in this galaxy? Getting groceries and we just pardon Checking account? Have we heard of them? Yeah, but if we pay from to there We can use that to pay Uh-huh. No, but you didn't. You didn't.

What do you mean? I was trying. I don't know. Trying. What trying? Excuse me. What trying? There's no trying here.

You relate. Trying. I don't see a try. Where's the try? I paid it after. It was there. I swear. That is inexcusable.

You missed the payment. You missed the payment. That's inexcusable. even if you make it a little later you missed it you are not a credit card person you don't know how to use credit cards chop them up close the accounts they're not benefiting you they're f***ing you yeah and the debit one for the discovery one for mine i kind of she got me into it because i wanted to do my credit too enable that and they gave them a really really really really high credit for just yeah for for starting it was just a 2000 actually no he had one before

that one but then they closed it on him he also i first sent him that uh capital one which one applied to be on the show me yeah yeah i didn't know i think about the show she just signed up and okay we're gonna go to the show i'm like welcome welcome welcome okay i'm just assuming your smiles a copse smile you smile right yes you just smile that's okay it's okay i just want to make sure my big fear is is people taking it seriously i just never want to care about someone's financial situation more than they do because that just like, you know, that would be terrible. Okay, $70 minimum fee payment. The interest is accruing.

Groceries? Groceries? Groceries? No, we had a return mobile payment because we didn't have enough money in our checking account, I'm assuming. We had a return payment because of bounced. And then Amazon Prime. Groceries?

I don't see a single grocery. I don't see a single grape on here. I don't see a single grape on here. single peanut. Groceries? Okay, so I kind of stop. Okay, so I do the minimum payment on that one. But it's my other credit cards that I usually do the groceries on.

What are we getting on Amazon? I did. That's where I bought his, the monitor. I bought him stuff for his birthday. You don't even use it. I do use the monitor. Oh yeah, just the monitor Why do you prefer the Xbox over the

computer? Because on the Xbox I have like DLC and stuff Like already on the Xbox And for the Return it? Can you? It's been over I think the month I don't know what the return was it

I had a friend but I can still use the PC Because I truly want to go to Like a YouTuber type hobby So I can use a PC for it I'm okay with that as a concept But we do that when we have money. Like we don't go into debt for that. And you still work a full-time job while doing it. I didn't get to leave my job for a while when I started this. It was quicker than a lot of people

because I've been incredibly best because of this audience is absolutely amazing, to be completely honest. So it was quicker than many people. But can you return the monitor? Um, no. I was going to give you, I was just going to give you one of our monitors that we're not using. It's only getting every customer's order right. It's only a point-of-sale system connected by Spectrum fiber-powered business internet, helping you track hundreds of secure transactions. And it's all backed by 24-7 U.S.-based customer support and local technicians. It's only everything.

Get business internet advantage free forever when you get four mobile lines from Spectrum. Visit Spectrum.com slash free for life to find out how. Restrictions apply. Service is not available in all areas. If you return that monitor. We'll check on Amazon. Check real quick. It's not a great monitor.

You're not going to get something thrilling, but it works. I mean, I can't easily use a second monitor. No. For me and the boy. Return window closed on May 22nd, 2024. I don't say sell it on Facebook, but at this point, I don't think you guys wouldn't. Use the FIS card if you're going to use any card. It's geared towards people your age anyway for the rewards,

but it's a charge card that forces you to pay it off every month and builds your card. Discover. Is this the one you said it's yours? We both have a discovery. Yeah. Discover it. We both have the same one. Tell me. Who's this?

Oh, mine. Your interest is free. It appears. Yep. So big, thick old pounds. Thank you for making your minimum wage payment on time. $1,956. I don't know.

How? From, from... I don't even know. They just... I think I sent him like... They had a, like a... I'm setting him. Okay.

You guys like high school sweethearts or something? We met at work when our first job, both. The first job and then we got together my first job. Because of the birth? No, we were already together like a few, like a year before. Okay. People on the show hate condoms sometime. They really do.

I'm sure the kids are blessing and awesome and very pleasant. And also stinky and sticky, but also very pleasant. and loud, but pleasant. Actually, very quiet. He didn't talk. Oh my gosh. That's my dream kid. Okay. It ends in eight months, the interest-free period. So what do we have to pay on a minimum monthly basis

to make sure it never accumulates any interest? Will there be back interest? No. Okay, good. So we need to pay this off. Do eight. Okay. $244.

$57 hours a month. That's what you need to pay it so interest never accrues. But there's no back interest. So that does help with that. So it's not like beyond urgent. So the income situation. Well, what's our highest levels of education here? Did we go to college?

I went, but I stopped going. I guess I dropped out. I did too. I get it. I dropped out of high school. I dropped out of high school. Yeah, because that's when I had my...

You don't hear that much is this. They don't have my child, so I didn't have enough time to go to school and energy. So I dropped out. It must have been like senior. Last year or senior. Yeah, it was the last.

But the thing is that they had held back a credit that I needed. And I would have had to repeat the whole year for that one credit. What about GED? I would want to do that. but it just I need a little bit of time to get back into it. Gosh,

I don't know. This is it off of my head, but people without a high school education, like they barely make income throughout life. It's like horrendous. I mean, if I get the job, it'll be enough if I get it.

What did you say the pays? 1995, starting. Okay. Yeah, it's not bad, but just typically people without a high school degree, their incomes is kind of stagnant throughout life,

and that's kind of what scares me. And then if I do the, our way up. Yeah, and if I do the YouTube, but as a side, I mean, I'll probably get like a couple, not a lie, because I'm part, I mean, I'm still going to be new. But if I do blow up, I mean, it would be pretty good. Obviously, just like any guests on the show, I have the opportunity. If you ever want it, there are tech certifications, but there's things for accounting and

stuff. if you ever want a certification course and stuff to get that attached to your resume through course careers, I'm able to gift that. The median lifetime, the median expected earnings of someone, without a high school degree is less than a million dollars throughout their entire life a million dollars is a lot of money but a lot of people are making you know like 60,000 hours a year

and you can get to a million dollars over the course of decades not necessarily saved but total earned 973 is what someone without a high school degree someone with a high school degree no college at all 1.3 million bachelor's degree go up to 2.8 million $2.8 More than double.

Yeah, but the graduation, I mean, the diploma doesn't really I mean, that's just like a paper really. Like jobs are looking for experience. Like. To a certain point, but with where you are in life, don't really have much experience. You've been fired. You've left jobs quickly.

I would argue yes when you're in like your 30s because you have. You don't have a lot of experience. You have a lot on your resume that starts to outweigh the degree because at that point, your degree is a bit older and you have been showing that you've been benefiting the company. 22. And also, I mean, high school degree, that's pretty basic minimum stuff. I'm thinking, I think usually the logic surrounds that is typically more college. Like college or about it.

But even still, I mean, the statistics speaks for themselves for the medians. But there is some truth to what you said. but that tends to be later in the career when you actually have job experience. I don't have an experience right now. No. Not really, no. But I mean...

I mean, I don't think you're allowed to be all kind of high and mighty on this. When you have a kid, you're bringing in zero. Look, there is a certain level of responsibility that you have as a dad. Well, I mean, I just want to spend time with him before I start working my ass,

but then I don't have time for me. Yeah, but even if you're working 40 hours a week, there's a lot of time to spend with them. And you can play video games doing that. Right now you're just sitting down near the home. And yes, start a channel. This platform is like the greatest thing for creators ever. It's almost a miracle that this platform exists.

It's crazy. Do it. That's a side thing. You still have to take care of your kid. Your potential career on a social media platform is now more important than your child, is it? If you're a business owner like me, I have an absolute game changer to share with you. What if I told you? that there is a way you could cut your business operation costs almost right away.

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NetSuite. They've seen the results and experienced genuine profit growth. So by popular demand, NetSuite has extended its one-of-a-kind flexible program for a few more weeks. Head over to netsuite.com slash Hammer to get the details. That's netsuite.com slash hammer. Start saving costs and enhancing your business performance today. Thanks to NetSuite for sponsoring this episode. No, we really do want to, we want to spend all our time with him. That's why I dropped out of college to spend more time with him because when he was born, I was in school. I was doing sports. I was doing homework.

I was working. I was doing all this stuff. Now it's just like I get to be home with you. My mom really wants me to go back to school, but that's not what I want to do right now. So like for her, like it is weird, but for her like whenever she's away, oh, yeah, that's fine. It was a room at her. But whenever I was working at that shop and I was away working, oh, that was a big problem for them. Because he was gone most of the time.

He was gone for a lot of the time. Yeah. Yeah, but... Well, that's him bringing in income for the house. You got to stop being... And then... I mean, that's kind of done. Come on.

And then she was away, she was away at school playing soccer games that she didn't even get paid for. If you were out there drinking and hanging out with friends, that's different. But if he's out there working... I mean, come on. You guys literally have zero dollars in your checking account. There's almost no alternative. Like, that is what has to be done. How can you be upset at that?

I'm sorry. That he... It was just that he... Unless he's perfectly purposely selecting shifts that are like... So I never have to see my wife and kids again. I genuinely feel that. It was only one shift. Okay.

So he would work. He would work Saturday all day. Okay. It was Saturday all day. And then six hours. To bring home money. But it would be when I would be at work. Do you ever want to have your own place?

I do. But it was just like he could have gotten a day. He could have, if he really wanted another job that made more money or something, he could have got something else. I agree with that. I agree with that. And it's okay to push back against that as a concept. But don't be angry because.

is at work when you guys literally have zero dollars in checking account. He already had a job. He already had your payments. It was one payment. One payment. All takes one to have missed payments. He could have gotten another job that was if he had a better job. That was a better job what he had before, which was working five, he was working five days.

And then the other job, he was not. He was working more. Listen, just with where you are kind of sitting on your ass, then again, I think there's a good chance. because you have an internal connection and that's how you've gotten all your jobs, but I'm starting to get a little afraid that the kid's going to get a job before you. Okay. So you're at 1,956. Minimuthty payment, $40 on this.

The interest starts kicking in at the beginning of February. You need to make a payment of $244, $57 a month, starting this month, in order to never pay interest on that. How'd you rack up that credit card debt? There's a lot of credit card debt for so young. It's mostly food. I would say mostly food or like stupid stuff. Really if fries in that gut is more important than getting your own house for your kid?

What guys? Okay. I know. I feel like I've said a similar version of that multiple times in this episode. I'm just so confused. That's why I really think you guys are still acting like children. You're putting your own desires in pleasures. But I was mostly heard.

Your family. That's mostly her though. That's her. That's her direction towards the food. Okay. Yeah, but that was your card you said. It's my card, but I mean, we're together. So it's basically is our money.

It's what it's saying, correct? Yes, but it was like... Then why the f*** is that more important than your kids? How is it McNug more important than you getting a place of your own? Because I was the only one cooking at home. He was never over there cooking like or not... So what? He's not a lot...

He's not a... So he's not allowed to work so that he can cook, but then he needs to work. I'm so confused. He is working. Or when he was looking... Wait, when... Sorry. When we were at home, he would not cook you to be like, oh, yeah, like, can you make me something?

Or, okay, buddy, you're being a little bit of a lot. USAA knows dynamic duos can save the day, like superheroes and sidekicks or auto and home insurance. With USAA, you can bundle your auto and home and save up to 10%. Tap the banner to learn more and get a quote at USAA.com slash bundle. Restrictions apply. Cook some food. Can you make me something or can you, if even then, he was being, like, I'm hungry, I'm hungry. Fast food, fast food, fast food.

Where else are we supposed to get food? Warm up a hot pocket even. It's cheaper. He doesn't like cheese. Oh my, that was an example. Are you kidding me? That's what you're going to say? He's very picky.

I can bring home, like, frozen food in here. I don't like it. Well, then go cry. I don't give a shit. Then make your own food. I mean, I would make food. Again, this keeps coming back. You guys are children.

You guys are children. Ford. No. So now we have a card that we can't even come close to paying off because guess what? We don't have a job to bring in money to pay it off. Discover! This one's yours? Yeah.

The pig one. $5.10. $1,6.6. $0.00. Mineral monthly payment, $57. These are stacking, my friends, for a single household income that's not even working 40 hours a week. $63 of purchases. Why do you keep purchasing on a card that you cannot pay off that is accruing?

interest. $41.86 of interest is accruing. Yes, you paid more than your minimum. Congratulations, but then you still spent on it. So what's the point? You're close to the credit limit anyway. You started the month over the credit limit. Why are we purchasing? How are we supposed to buy things? What? What? Are you supposed to buy? Let's see what you bought then. Oh, six flags. Six flags. Going inside a gas station, get into bowl. in like a locker for six flags. I'm supposed to buy things? You don't got a six flags. Are you kidding me? Really, that's more important. That's seriously more important?

That's more important. We have a two-year-old, two-year-old. It was for his birthday. Whose birthday? His birthday. Fuck you. Happy birthday. Get a job. Make some food. Stop playing video games. Oh my children. Children. We have fun though. We had fun, though. Oh, fuck you. Listen, I know you're not the one who watches the show. No.

That's not the time. What? It doesn't matter. Are you serious? The whole life of your two-year-old doesn't matter. It's a joke. It's a joke. We make little jokes.

Are we doing little he-ha-he-hahs? It doesn't matter. It doesn't give a shit. You don't give a shit to rather go have fun? He's not going to remember. He's a two-year-old. People don't start forming core memories until about three. That's why I told me, too.

Yeah, because he, I love to go out with him. I love to go to the museums and stuff. You live and her. parents house and you think having fun is more important be a man grow up what a joke that's gonna piss me off car max the enemy of all humans oh this is expensive oh this is expensive oh death what do we have what is this car uh 2018 Subaru legacy okay sure we owe 18, uh, current balance, current balance, current bounce, current bounce.

Okay, I'll just go off this one. $18,904. And 56 cents. The minimum of the payment, oh my gosh, these minimums, this is a chunky minimum. I mean, it's, it's what? It's like $4.47? No, 544. 544, but for, on your low end,

It's a whole page. It's a whole weeks of worth more than a weeks of worth for you. Oh, it is. It is my whole week's. Oh, no, 547, sorry. 547, 21. I don't know why. Must have made a small payment or a little hangover of the payment. Oh, amount paid ahead $2. That's one. Okay. Great. Really making progress there. Oh, around, oh, 13.45 percentage is right. What's the term on this? Do we know? I think they said seven years

Did they? Or something like that Is that what they said? I think it's five or six All right, well I'm getting Very different numbers So is it five, six or seven Because all those are different

I want to say it was seven We chose the longest one to pay the late We don't even know We don't even know What's the car worth guys You owe $18,9004 on it What's it worth? When we bought it?

What's it worth? I don't know People are selling it for lower now like 16,000? 14,000 is 734. Why did you guys get such an expensive car? You don't make any money. When we first bought it, we could afford it.

We were, we were... Could you really? But you weren't able to get a place of your own, even then. So could you afford a car? I don't think so. I don't think that's how the math works. We could afford the payment. Yeah, the minimum payment.

Yeah, while living at home, were you going to live at home for your entire life? So I don't think you could have afforded it. That doesn't make sense. We didn't have a car when we... Congratulations. You got a $20,000 a car. You could have got a $10,000 car.

Yeah. When we were thinking about returning it to get something cheaper, but... Right now. Yeah. When did you get this? Two years ago? You can return it right now? Well, not like...

Not like for free. Oh, you mean you trade it in or something? Yeah. Well, we don't even want to trade it in. But your equities... What, $4,000? You're under $4,000? You're underwater $4,000.

Yeah. we would have to what pay back so i mean if you do that i mean you'll and you get a 10 000 car i mean you'll like 14 000 which yes it's better but not much and i don't think your car that's gonna i don't think the interest rate it's gonna be much better well that that that that car isn't even under our name it's under my mom's name we're paying for it what the so she would trade it in she would transfer the title after she would have to paid out of her. She said

that car has given us so many problems. The transmission, the transmission has broken twice. It's on the third transmission. Okay, so it's $547 a month. How much is the car insurance? $450. What is that number?

Dude, you're spending literally half of your income for this car to exist plus the repairs, plus gas. Oh, f*** me. For a car? Half of the household.

Fuck me. Sorry, just one second. That's crazy. That's crazy. Oh my gosh. Are we even going to be able to make a budget at the end? That already blows up the budget. Hopefully we have something fun planned for the post show at least because that's...

With that, that's no fun at all. He said there's something. He just doesn't know if I'm going to like it. not okay so clearly you guys have never budgeted in your life we were trying before what what was trying looking like we were we were saving before like when we had our son so not budgeting well I guess not we're just like we're like cutting off like a lot of stuff so we can save that money for later but we ended up just spending all because we didn't have we don't have anything to we don't have anything to pay because he was under 22 or whatever for that car and then I'm not the

I'm not even on that insurance because I don't know how to drive. Yeah, it's just me and her mother. Well, I need you guys. We've created this specifically like four people like you. You need to go through our budgeting program. Take the quiz, but I want you guys to do it together. Take the quiz together. If you guys don't do this thing together,

no longevity here. No longevity here. You guys got to do it together, go through that. at the same time you also get our new investing program as well which means you get a three hundred dollar gift um from moo-moo which is really cool so make sure you guys do that so yay a couple hundred bucks is that like investing yeah which you're not ready for just yet but you do get it for free because you're on here but still okay that car max money owed to grandma you you yeah For the transmission.

What? For the work or the car. Oh, you said transmission. Okay. Oh, I get an itchy eye. All the stressily. This is Euphoria Calvin Klein. The new elixir collection, featuring three perfume intense scents, inspired by a unique

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I mean, we had it. It was more. It was like $5,000. So you're borrowing money from your mom. You're borrowing money from your grandma. We're all racking up credit card debt. Sometimes we're over the credit limit. We have minimum fee payments.

We're literally not making. and the car insurance and car payment is half of the household income. This is a show beyond measure. This is this. You guys have gotten, you don't even know how bad this is I can tell. I don't think you guys realize just how it says,

and I think it's because you're just, just too young. You haven't really been in the real world too much. You have the kid, which has helped you grow up, and made you grow up, but you haven't experienced a lot. I mean, we still have a lot of time. Like, we're still going to. Yes, you have time, but you're making that time so much harder than you because you've put yourself in a, it becomes a more inescapable hole the lower you go. Like, you know what that time could do for you?

It could be compound growth in the market. You could be retiring millionaires, even with lower paid jobs because you have so much time. But instead, so much of the time is going to be used digging out of the hole you're in. and working more hours than you would want to because you want to see your kid more. But you f*** yourselves. By acting like children. Go on.

We're trying. We're trying as hard as we can. Trying? F*** you trying. 30 hours a week, that's not trying. So you're hours a week that's not trying. Missing a payment that's not trying. Holding onto a card we can't afford that's not trying.

Going to six flags? That's not trying. Getting $1,000. computer plus monitors plus bullshit that is not trying have you have I seen trying I haven't seen trying nothing in here indicates trying so let's look at checking account maybe there'll be trying in here 365 hours on this chime checking account it to be it to be it to be some of these have to be drinks though you're going and getting 5,0.0.40 cents we're just getting bullshit has to be it looks like snacks oh yeah

this for my lunch huh for lunch you Make a sandwich. Make a sandwich. Do some ramen. It's cheap. What are you? I was, I'm hungry. The correct answer is a child, especially when you respond like that. Really? You're going to, this is what you're going to allow. You're going to allow him to have that mindset. You're going to be with someone like that? She has the same mindset. I don't have her saying that.

That immature, dumb, childish, 16-year-old brain. She would, is she could. If she could? For snacks? I did go She already does I get snacks too Going to a restaurant

Going inside Getting some bullshit And going to a restaurant Some chicken place Twice Yeah that's trying Guys we're really trying Guys we're trying

We're just blowing all our money $6 in this A line of credit This is like an overdraft protection thing I don't even know They have a little, like, credit card with no... It's like a credit builder card. Oh, yeah.

Try and check. Negative $26. All done. What a man. What a father. Sorry, that one was a little mean. I apologize. I'm just very irritated here.

I am very irritated. Conversations like this really can get to me. You just say, I'm hungry, and make a little quips, and then we're trying. I haven't seen... I don't know. It says immaturity or lack of self-awareness or just trying to piss me off. Better not be the last one. V4U.

It's a gas station. Is McDonald's a gas station? Our son really likes chicken nuggets. Oh, good for him. He's a picky eater. He's a picky eater. What about grilled nuggets? Grilled nuggets?

No, no, no, no, no, not grilled. Sorry, frozen. I've made them at home. He won't eat them. Okay. I've never dealt with that. It's like my brain is like, oh, okay. You know, really when he's hungry.

That's probably not how that works for a two-year-old, though. I don't know. I don't have the answer to that. I'm sure there's some parents in the comments below. There has to be solutions, though. It can't be. We're going to McDonald's to keep our kid. First of all, I mean, that's just horrible. No, yeah. We, well, we also go because we go, so we can eat too.

Because we get hungry too Oh you get hungry See that's the same way to it McDonald's steam purchase Apple subscription Apple buy some bullshit Donald's parking parking Jack in the box McDonald's Going to the chicken place

Microsoft McDonald's Brewings Another Apple bill Another steam purchase Going inside and get into bullshit Trying 522 in this Cashback

debit. Oh my. What are we doing, guys? You're just blowing all your money. You don't make money and we're literally blowing it all and the dust is going higher. You have time. You're correct. You're ruining it. You're destroying your time. There's more time. Yes, but right now it's the best time. Steam purchase. Valve, Valve, Airbnb, McDonald's, Netflix, Panda Express, Amazon, Waterburger, Marshall's, Bluebell Ice Cream, A Chicken Place. McDonald's, Raising Cains, the Wall. Awful, Wonder Wild, Popeyes, Raising Cains, the restaurant and parlor thing. This is a joke. This is embarrassing.

I think you guys have needed this show more than anyone. You need the wake-up call Panda Express. Zellin to Dad, Zellin out, Zellin out. You guys don't understand how dire this is. You really don't, and I don't know how to convince you. I go hard because I need people to know. But I don't think I can convince you. I just, I see the face of children in front of me who are willing to laugh this off and just think it's okay.

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I am. Please show me, but... I think you're wrong. I think we can... I think we can make it work. Why haven't you done a single second of work then? Not actual work. You say you think you can make it work. Why have I not seen a single inkling?

Once I start working, it will be enough money to pay off everything. Yeah, buddy, you've worked before. You worked a month ago. We're in debt. With this job, it would be enough. Is the debt not in the room with us? Right there. I'd love to financially audit every single one of you, but let's be real.

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below or scan the QR code on screen. with their top-rated tools and resources, you're in great hands. It's the all-in-one financial system I wish I had 10 years ago. You've got the power to change your financial future, and empower is here to make a difference today. Why is having a job this time going to change that? Sounds like more spending money to me. Hmm.

More Six Flags money. More Steam purchase money. Because now we can actually... We have... We've talked to you right now. We're talking. I'm not a magic pill. the action's on your side now

we give you tools yes put some knowledge in there sure wake up call abs a damn literally all the work is still on your end the sacrifice they're not going out to eat the pudding in more hours that's all on your end the budgeting

communication I don't do that I can't do that I am not there with you that's on your guys's end what's gonna be different this time that we're gonna do it we're going to put in that work we're going to put in the effort

and what's different okay and what is different how how is that different for one maybe we can start cooking at home okay we can start I already know that's it it's just like the food six minutes and that's what we got cook at home okay well hopefully some other 21 22 year old is watching this and learning from it then and what not to do no smell you guys I'm sure you guys are pleasant people. It's not about that. So it's the money part. Well, it's not just, we're just going to cook food at home. We're going to, we're going to make more than just a minimum payment. Because I've seen that it's like, oh, yeah, like, if you, if you just make the minimum payment, it's going to be like, oh, yeah, you're going to pay this off in 10 years with like $3,000 in interest. Mm-hmm. And that's not what I want to do. Mm-hmm. I'm paying for four. Okay. Because for, for one, when he starts working, I can pay that capital one off completely.

And then if anything closes it. Okay. Not that I don't believe you, let me play a little devil's advocate. Walk away from here. Firelander. We're excited. But three months around, are we just as excited? Does that make Arch not look nice and shiny on the way home a bit more?

Since this conversation is so much further away. The same thing with the car. I mean, we're going to try our best to return it so we can stop paying it. you're going to trade it in i think and i don't know how because it's under her name so you got to do some title work like is she trading it in oh man yeah she'll she wants to trade it in because she's like because it's it's been if you guys don't pay for it's her and what are we going to do again get a 10 000 car well i mean i i i could get uh my brother is selling it's selling a truck and how's that truck honestly it's it's a good trick it's a 2007 so rhodo okay so can you take it to an independent

mechanic though yeah him first he is a mechanic independent is the word that i said he is a mechanic he's he's a like a good mechanic is the word independent not making it across this table somehow what you're talking about can you get it looked at by someone else that is not the person selling it just to give you the seal of approval that it's going to be safe for you guys unless you guys a lot of time without having to he wouldn't do that though like he's he's he's my brother he's he's he might not do that intentionally can we get someone else's opinion on it let's like it's like it's a for something medical. Maybe someone else sees something that he doesn't. He has equipment.

He has equipment for it. He is a mechanic. He knows how he knows what he's doing. He wouldn't sell me a vehicle. Am I what I'm saying making sense with that? Debt payments in that 15.6% went to, no, no, just debt payments in general 15.6% went to them. Housing 3.7% Transportation 25.8% of our spending. Necessary food 11.6% bullsh-food food 12.6% was a bigger percentage 11 or 12 unknown shopping typically Amazon Walmart in fact I recognize that the Amazon charge 2.7% medical or health care 5.5% over there I hurt my knee don't do that okay I was I used to play soccer I was big into it I was goalie I was on the field for the first time one of the first times actually and I

guess I what is it called spraying it she then broke my knees instead of my ankles broke her knee. You broke it? I sprained. I sprained it. Someone jukeed her and her need did not go the right way. Okay. And but I guess that also saved me money because I would go and spend, you have to pay to play.

Sure. So it was like $10 a game. Unless this isn't a random field with friends. No, it's like it's like official field. Yeah, yeah, yeah, yeah. Subscriptions point four. Miscellaneous bullshit. You really don't need an additional 9.7% of the large churches.

is 12.1%. I mean, the spending's a joke. Total payroll like came in was $1,844. That's what hit our account. Practically nothing. To be completely honest, just in the world of income. I mean, again, I'm not trying to income shame,

but just realistically. Okay? But what do we think went out? Total spending, including debt increasing. What do we think, total? A little collaboration. Communication for the first time. 25?

$2,500? How about 4,000? Ooh, but only 1,800 came in for money. So more than double went out. That's not sustainable. Times not on your side. Times not on your side. Not with that.

We just got to wait until the money comes in, basically. That's really it. It's just a waiting game. And then I'm, we're patient for right now. Oh, guys, honestly, with that mindset, I don't think I can help. I mean, I have shown and demonstrated through here that it's the spending. It's the management that is the issue. The income is a certain part of it.

You think you guys actively going out and spending and increasing debt and all that stuff by two times your income is going to be fixed with income? No, because your behavior won't have changed. You guys just unlock more to spend. Hey, I don't think so, man. I think that's kind of a delusional take that you have. I'll be honest. There was some del lu lu there going on there.

It's not just our finances that we need to get in order. It's our lifestyle. Our health. We don't even have money to go to the doctor. Yeah, we need to get to check that. And why is that, guys? Because we prioritize our food over our health. Well, there's something.

Your mom's calling you. Maybe you should answer it and tell her how you guys are done being fuckups. When do you guys want to move? out. I mean, I don't, okay, hear me out. I'll be honest, this sucks, because I'm sure you guys love each other. I'm the kid, all that stuff. What you just said actually had some, like, reason behind it. You've bulled quite a few times and have given me objectively wrong responses. I'm a little nervous that we're not on the same page going into this. Sure, we want to get to the same ending, but how we get there, I think's a little different, and I think that's going to cause

straining the relationship and I think it's also going to our finances even further if we're not 100% aligned on what the budgeting is. I think we're going to make it. I hope so. I think we'll make it one. I mean as you said like this is a good wake-up call so like we're gonna

I mean we've tried to get better like by ourselves but we just end up back on the same page like with the food like we we started when we would like home prep our meals and stuff but then like It was just easier.

Yeah, it was just easier to just get food. If that's what you guys got from this, then, okay. If a wake-up calls what you're walking away with, at least it's that. Does your mom speak Spanish? She's both. English, sorry. Can I talk to her? Yeah.

You live with her, right? Yeah. Her? Yeah. Do I want to call her? If you think she's down. We should ask her permission first, but. Do you want to talk to the guy that we're interviewing?

Do you want to talk to the guy that we're interviewing? I'm being interviewed. Oh, that is interviewing us. Do you want to talk to the guy who's interviewing us? No. That's okay. Almost. It's okay.

Don't pressure. Just to talk about how. It's okay. No, she said why. Just like, I guess how. I have two questions. I want to ask her on microphone. He just has two questions.

She just hung up on me. It's a no. I do have a fear you guys are potentially also being enabled because you don't need to work or budget because I don't think living at home is wrong by any means. Live at home for however the fuck long you want. You know, it depends on the culture. It doesn't really matter to me. More, my thing is in our culture is you can start seeing some potential enablement.

And because you guys aren't following the traditional path of most Americans, you know, moving out a little earlier. And again, you know, the kids of the grandparents, you know, there's some good things here. I feel like you guys also feel like you don't have to work. And I think that is kind of fucking you guys a little bit. Because you are working less hours than you should, to be clear. So in general, I'm just curious on that. And that's what I wanted to ask her. I can't assess that fully.

I don't know. But it's a potential thing to consider. Okay. Hammer financial score. Spending in a budget was ridiculous. It's a zero out of ten. You're fucking going crazy and you fucking spent double what you made. Debt.

Crazy thing. The car is bad. The car's going to bring it down. other than that, it's really not the bet. It's manageable. Any person working most any job can pay off all that debt except for the car debt really damn quickly. Really damn quickly. You guys aren't.

We're not making the minimum fee payment sometimes on time. Debt to our time. That car really brings it down because that's insane for your income situation. It's not even. It's crazy. You said zero dollars in savings? Yeah. Emergency fund zero.

Anything in retirement. Losing all that compound growth time. Zero out of town. state zero out of ten because we live at home so i'll be generous hammer financial score 0.5 out of 10 out of 10 out of 5 out of 10. Make sure to check out all the resources linked in the description below is there what i use or would use in specific situations including the best budgeting class and the best investing class that you can ever get online that we spent months and months and months building out it's they're really incredible check it out now stick around for the post show

ladies and gentlemen today on the financial audit post show that it'd be fun to do some prank calls Call a karate studio asking about enrolling your son in karate lessons. You're trying to train your son to become a bully. I'm just calling to check if you do children training. We're at children. I don't want him to fight his teachers, but I want him to be able to if he needs to. I've even considered putting him on steroids.

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