Financial Audit - I (almost) Gave Up.. | Financial Audit

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Starting point is 00:01:09 You have kids. And yet, this is how the finances end up. You're the villain. But the bills get paid. Oh, you're f***. And you're smirking. Are you proud about this? This is insane.

Starting point is 00:01:18 You affirm everything, yet you also blow all your money. Everything's easier. Why? That doesn't mean it's good. Realistic. Though, with strong suction cups. See, I'm not all that bad. I'm complicated.

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Starting point is 00:02:03 Yes, indeed. Beautiful. Thanks for coming down to Austin. Happy to have you here. What do you do up there for a living? Um, I just recently lost my job, but now I got a new job. Well, why don't you tell me what that job is? Right. I work as an electrical technician per se.

Starting point is 00:02:23 Yeah, I'm more a sanguinarian vampire in that I rely more on the life worth energy per se. Okay. Cool. What do you make? What do I make? I make just around, I think, 1,700 a paycheck. 1,700 a paycheck is that twice a month? Yeah, twice a month.

Starting point is 00:02:39 Very good. So that's $3,400 a month. Now, I heard this St. Paul area, you know, Minneapolis and whatnot. Actually, halfway decent city, even though it's in a miserable place that I would never live due to the horribly freezing cold and gray forever. But it's great. Mm-hmm. So. It's cold year round.

Starting point is 00:02:59 We like it. How you live in on this 32? I don't know the cost of living there. I'll be honest as much. I know it's a place that many people are moving to, but... It's not bad. It's $2,600 a month for a house. Not for your house.

Starting point is 00:03:11 No, I rent a house, but it's $2,600 for a four-bedroom house. It has a decent-sized property. Okay, you're answering a question about a house. I'm asking how you doing? How am I doing? There, how's the stretching? Um, not so great. How are you living there on $3,400?

Starting point is 00:03:29 How's life? Not so great. Hence why I'm here. Hence why you're here. Let's turn this into a podcast where you give me more than a couple words. That's one sound. We are waiting to. It's hard living there, honestly, on about $3,400 because I haven't gotten a paycheck yet.

Starting point is 00:03:57 But recently. Well, yeah, but 34. Okay, what did you do? What was your job? What was my job? I was a chemical technician. Very good. What were you making?

Starting point is 00:04:04 By week. Just shy, about 1,200. $100 by weekly. So very similar. So this is, it's going to be a very similar. Well, yeah. Okay. Great.

Starting point is 00:04:13 Actually, you're making more now. Way more, yeah. Good. Well done. How are you doing there? Because now you're able to translate with like a pay in about 33%. So you should know how you will be doing once the pay has hit your account. Right.

Starting point is 00:04:26 So tell me what it's like living there on this, on the finance show where we talk about where people live on certain kind of money with their debts. It's going better, honestly. Then what? just paying everything off more and trying to snowball things down. No, you're not. That's a literal lie, but okay. Or just ignorance to you not really understanding what's happening in your dollars.

Starting point is 00:04:52 Okay, so I feel like I didn't really get an answer there. But maybe it just didn't lead you along. Maybe I'm not good at that. I don't know. Maybe that's your bad quality of not being able to answer questions or my bad quality not being able to ask them. I don't know. What's going on? What are we talking about today?

Starting point is 00:05:05 I'm in debt per se I think it's time for us to feed per se My wife kind of forced me Well that's the story Is my wife kind of led me into some debt When we got married I took on some of her debt

Starting point is 00:05:19 But it became my debt This is a lot of paper This is as thick as you This is big This is big You're saying this is all wife Not all wife And what the fuck

Starting point is 00:05:26 You're talking about wife? She needs things So I put it on my own cards What does she need? What? Like new tits or Are you saying a McDonald's purchase Like I don't know Like what quality are we on?

Starting point is 00:05:37 Okay, she needs Timu? She doesn't need Timu. Well, you just said she needs things. Well, she needs things like her books to read. She likes her Timu. She kind of likes to go out to eat sometimes. Immediately went back to Timu. Okay, yeah, she likes to go.

Starting point is 00:05:51 Okay, so the needs, all I hear is books. Once. Well, you said books. I can vibe with books. Yeah, she reads every night. What is that, like 50 bucks a month, maybe? I'd say 120. 120.

Starting point is 00:06:04 120. That's why you're. on this show with a document this thick, which is huge by the way, women, correct? This is a lot of paper and that's because she spends $150 a month on books. No, that's a lot of my negligence.

Starting point is 00:06:17 I'm going to need a little that's not correct and tell me what's actually going on. I'm in debt more or less because I have a spending habit of just buying things. Now, why didn't you say that the first time? Because it sounds more fun when my wife's in trouble, not me. Does it or does it sound like an immediate deflection

Starting point is 00:06:34 because you're not willing to accept that you are the problem. I don't want to go too hard on you out of the gate, big guy, but you're just not really... Not grasping it. Not really doing the podcasting thing very well. Listen, I mean, I see 133,7709,0.38 cents a debt. Sounds about right. If not more.

Starting point is 00:06:53 That's I spend. That's I spend. That's my wife wants a book? No. Not just a book. Okay. How long were you jobless? because maybe that would explain some of this.

Starting point is 00:07:12 Maybe I'll answer the questions for you. Okay, there we go. Now, there's something. Six months. Six months on employment, weighted. On unemployment. Oh, yeah. Okay, so you had supplemental coming in.

Starting point is 00:07:24 I had supplemental income for about $530 a week, but... It's not great, but that is $2,000 a month. And also, what we're talking about is you were making $15 every paycheck. So, I mean, yeah, you had to cut about... 30-year habits. Oh, no, you're making $1,200 every paycheck. So really, you got a $400 pay check. So really you got a $400 pay cut.

Starting point is 00:07:41 Yeah. It was hard with kids as they grow up. You can cut $400 from your life. $400 seems nice, but honestly, that's change. Well, if you're unemployed and we're just in survival mode, you could cut $400 from my life, which is the difference between your previous pay. Seems easy. No, it doesn't, no, it's not about seeming easy.

Starting point is 00:07:58 It's a number. It's you get in the budget. You see where money is going. You see where you can cut. Okay. I'm looking at what I think is probably an unemployed month because you just started your job, right? Right. Right.

Starting point is 00:08:09 Okay, good. Yeah. How much went going out to eat? I would say $2,200? What the f- How's it even considered... What are you laughing at? Oh, you know, because I know it's real.

Starting point is 00:08:19 How's it even considered remotely acceptable if you're on unemployment? And you're complaining that you can't live off that. Exactly. So you would spend over your unemployment on literally going out to eat? Yeah, sometimes. Oh, is that acceptable?

Starting point is 00:08:36 Because I like food. No, I mean, I'm shubby. I know you like food. Chubby is an understanding. But we're not going down that path. Tell me how it's acceptable. I like food is not an answer. Some nights when the kids want to go to bed early,

Starting point is 00:08:53 we want to go and have some Taco Bell maybe late at night. But honestly, I think that's just a bad assing to escape and run a taco bell? No, DoorDash. That's the best part. It's free and easy almost. You get the dash pass? Wait, can you explain how it's free and easy almost? That almost is carrying a lot of weight, almost like your chest.

Starting point is 00:09:11 Yeah. The free part is more or less the DoorDash part you buy the pass. It's free delivery. Well, that's where they give me. Yeah, but there's still the city charges and all the bullshit and all the tips and fees and death. But you don't think about that when you want food. Well, I do when I'm budgeting and want money. A lot of times I just don't look into it.

Starting point is 00:09:35 Okay, does she bring it an income because that doesn't make sense. Of course she does. That's not necessarily an answer. So look at you, six months didn't have a job. What's her job? What does she bring in? She's a teacher's aide, and she brings in just about $1,600 a paycheck. That's every other week.

Starting point is 00:09:52 Every other week. Very good. 32. So we're talking a total of $6,600 a month. Okay, that would help supplement the literal insanity of going out to eat. I have to ask a question based on how much we're spending going out to eat. Is she also morbidly obese? No.

Starting point is 00:10:13 Really? Do you consider yourself? Yeah. Okay. I have to ask that in qualification for what you're considering her. $1,517.08 going out to eat, which is insane. But the fact that you said more is just blows my mind.

Starting point is 00:10:26 Like, it means nothing. Like, it means nothing. And you brought up kids as well. Right. And that is deeply concerning. If we're doing that while on unemployment, that basically covers your unemployment that was coming in. Like, what the fuck are we deal with a disgusting?

Starting point is 00:10:40 What a disgusting thing to do with their finances? No offense, it's a father. How many kids we got? What are their ages? I got two kids. The first one is two years old. And the second one is just about 10 months. Oh, you're doing this?

Starting point is 00:10:53 You're doing this? Well, there's a 10-month-old. Yep. And you're smirking. Are you proud about this? Like, what the f- Then why do you continue doing it? Honestly, I don't know.

Starting point is 00:11:04 Huh? Honestly, I don't know. You don't know? Do you try to take any element of self-reflecting. look back last month, walk me through it. Because what the f... Last month... I had brain fart.

Starting point is 00:11:22 Of last month? Yeah. Just look back. Random day. Random day? Do you want to play by play? I'm talking about you spending this money, man. I'm going out to eat.

Starting point is 00:11:33 Well, you have your kids. The work history is kind of hard with everything just going on with me. The work is... I'm talking about you spending money on going out to eat. Are you here right? now. I'm thinking about all the food. Well, no, that's what I'm trying to get you to answer.

Starting point is 00:11:47 So if you're thinking about the vision, you should be able to answer. And just brought up work history. I don't go f*** about that right now when I asked about something different. Um, one second, I'm trying to think. What was that again? Walk me through last month. You're spending $1,500. You say you don't know why you're doing it.

Starting point is 00:12:06 I want some element of self-reflection of your instances of going out to eat and blowing your entire unemployment check on DoorDash. Well, if you're out DoorDash and all the time, you kind of have to eat, while you're out driving. Were you door dashing? Yeah. You have to eat, go out to eat while you do it. So you ordered door dash to your car

Starting point is 00:12:23 while you parked in a parking lot waiting for a door dash, what are you talking about? Oh yeah. That's basically real life, yeah. No, you didn't. That's real life. You did not door dash to a parked car. Sometimes, yeah.

Starting point is 00:12:35 There's a bubble. How do you know? Trust me, call vented. You gotta do what you gotta do when you're door dashing. Is that what you gotta do? You're in a car. You're near the restaurants. Yeah, but if sometimes you're too lazy

Starting point is 00:12:46 to get out of the car and you get another order. What are you like a drive-through is? It's easier just to door dash it to your car? Is it? Yeah. Is it, actually? Because that is a much longer wait that you're already in the car

Starting point is 00:12:57 near the restaurant waiting for an order. Right. So then you can play around on your phone and do other things. Oh. Buddy, you're trying to pay the bills for your two kids want to be a 10-month-old. And you find this acceptable.

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Starting point is 00:14:02 Which, by the way, a single door dash to your own car. You have to work what? And I want to have to even make that back? Just about almost two hours sometimes on a low day. On the weekend, it's more. You're just fully admitting this and fully accepting this. This is the most insane thing I've ever heard in my life. It's how you get in debt.

Starting point is 00:14:17 Yeah, not the wife, you tit. Yeah. What did the drivers, the dashers think when they pulled up to your car? You're just sitting there, they do the same thing more or less. No, you, come on. They don't order to their own car, but they're more or less okay. I just got paid, who cares? No, no, no.

Starting point is 00:14:33 That is very different. That is very different. Yeah, go blow your money. That's a little different. Door dashing to your parked car while you're out there door dashing is insane. Insane. I've never heard of that. No one's ever heard of that.

Starting point is 00:14:47 That is, I'm not going to lie. The craziest thing I think I've. ever heard on this show. I've seen crazy numbers. That's not a crazy number. I mean, you have crazy numbers. You have a stack of paperwork, that is for sure. But that might be the craziest thing I've ever heard someone do.

Starting point is 00:15:05 How frequently? It's only been a once or twice thing. That's insane, dude. That is insane. Otherwise, it's door dashing it to your house late at night when the kids are trying to sleep. So after running DoorDash all day, you would then spend a night. Because that was for your wife. Yeah, so that covered, what, five hours of dashing?

Starting point is 00:15:25 So you five hours of dash, do you three hours a dash? Just so you and your wife could door dash to your house late a night. Yeah, you're tired. Yeah, but you're tired from the amount you have to work in order to order your door dash. That is an endless cycle. Yes, but that's a cycle that is easily breakable. That's not a pay advance cycle. That's not a pay-day loan cycle.

Starting point is 00:15:44 That is a don't order door-dash one night and then you get to work three hours less. the next day to maintain even. More or less maintain even, but go broke at the same time. But you're going broke doing that regardless. But I'm saying if we're talking about energy levels, you would be saving energy. Oh yeah. Oh yeah. Oh yeah.

Starting point is 00:16:06 And then he doesn't do the... No, you're... What is this? What is this you owe the government back pay for unemployment? Oh yeah. What is this? When I was on unemployment. I'm getting left to oh yes and not answers.

Starting point is 00:16:19 Tell me. No, I have to pay back the government because they found me that I didn't put in a two-week notice. But when I left the job, they didn't take my two-week notice. So they brought me back to court. I had to quit a job for personal reasons. But I gave them a two-week notice, was willing to work the two weeks. But they didn't take that notice. They just told me to leave.

Starting point is 00:16:40 There are very few personal reasons where you can get unemployment for quitting. Why the f-did you quit? Due to my child's health. Okay. That's one of the valid reasons now. That's six, yeah, but how would you afford to pay for the child's health? And what did you quitting achieve with the child's health? Because then you were just door-dashing every day.

Starting point is 00:16:59 Nine times out of ten every month like clockworked, my child would have asthma attacks, and she'd be in the hospital for about two, three days at a time. She'd be on oxygen and all that. And how has this been solved? I don't think it has. It hasn't been solved, per se, but she's on a new med that helps her. This is the two-year-old.

Starting point is 00:17:17 Yeah. You said once a month? Once a month like clockwork, almost towards the end of the month. Your employer wasn't willing to work with you on that. No. It was like a bottling factory. It was like a two, three month job. It was a contractor job.

Starting point is 00:17:30 Yeah, basically. Wait, you were contracted for a three-month period? It was supposed to be a year and then hired on to see how you were. You got on an unemployment from a contract-based job? Yeah. One with the time end? You got on... That doesn't seem right.

Starting point is 00:17:46 And that's why the state came back after me for it. Good. I'm sorry for your child's health issue. It's not about that. It's about if you have a contract at the very clear end, and not only that, but you're quitting it, you don't get to qualify for what we're paying into where people usually get fired.

Starting point is 00:18:01 I just thought unemployment benefits worked like that. Well, again, the child's health thing actually might be something that is valid under certain things. States have their own rules as well for what it's worth. Minnesota, I don't know off the top of my head. But that is fair from the sounds of it that you owe back. Well, how much do you owe back to the state? Just about 7,000

Starting point is 00:18:20 Total Do you owe everything back? Everything Every cent No you are not No you are not That is insane What the fuck is this

Starting point is 00:18:42 Owing the state of Minnesota money back Will getting DoorDash Order to your car While your park not working for DoorDash Reality, huh? Deserved reality But it sucks Because you have kids.

Starting point is 00:19:00 Just makes it harder. But that doesn't take away the fact that you abused the system. I wouldn't put it that way. How would you not? I gave him a two-week notice. It wasn't supposed to be on contract. It was supposed to be a 12-month contract. That is contract.

Starting point is 00:19:17 Yeah, it's kind of hard to say with that. The way that was written with the contract and not a contract. Yeah. I don't know how to explain it. Yeah. Any kind of coherent way would be beneficial. official. Assulted government.

Starting point is 00:19:33 Do they want it all at once or? No, it's paying plan. Good. I still haven't set it up. You haven't set it up. No, they give you 60 days to come up with a plan. Oh, you haven't even set it up. When did you hear about it the first?

Starting point is 00:19:48 About a month ago. Oh, dude, what have I walked into today? A cluster from... A cluster from the audience. You're there. This is one of you. This world is crazy. This world is crazy.

Starting point is 00:20:09 Calebhammer.com slash apply, by the way. But what the f... What the f... Oh my goodness. I'm getting fed so many notes, mostly because you're not talking. But his employment history is an issue. He had an amazing job out of college,

Starting point is 00:20:25 but quit because they asked him to do too much work? What is that? What is that? Tell me the fuck about that right now. I don't know what to say about it. Uh, tell me literally anything. The job and what was considered too much work and what was the pay? What the fuck you think I would want to know?

Starting point is 00:20:45 Of course you want to know everything. So tell me! Well, it's hard to describe how you go from a job making X amount. What was the job that made X amount? I used to be a pipe engineer making $120,000 a year and had everything. And then one day... Did you got that right out of high school? Yeah, right out of college.

Starting point is 00:21:06 How long did you do that? Oh, college, sorry. How long did you do that for? just under three years and what was the they asked me too much they asked too much for me to move to Kansas just up and leave within two weeks right after having a first kid

Starting point is 00:21:18 it's not like you can just up and move everything for like daycare and whatnot but you kind of kid when it comes to your entirely livelihood people do it all the time I'm not saying it's wonderful yeah yeah let's go but yes people do that it's just hard to move with kids this wasn't a kid that was settled in any kind of day

Starting point is 00:21:35 there family's in Minnesota no I have nothing out of No, no, no, no, no, no. And St. Paul? Yeah. I was a very delayed, yeah. Yeah, I got family in St. Paul, but it's hard to move to Kansas. The close family?

Starting point is 00:21:50 The close family? Well, I would only consider two people close. What are they? Mother. Sometimes stepdad. Yeah, father's side is kind of not there. Yes, okay. Now, that would be a reason.

Starting point is 00:22:05 Why did I have to come up with it for you? My gosh, why couldn't you just tell me that? Oh, okay. This is going to be one of the days where this is a hard job. Okay. I have to like find the answers for you because that's a relatively valid reason for wanting to say there with a newborn

Starting point is 00:22:22 to keep them near the grandparents. Yeah. It's kind of hard. I just don't want to up and move my kids. That's the problem. I get it. I get it. Now that's not asking to do too much.

Starting point is 00:22:36 That's asking for a big move. Now people do this all the time though. Yeah, but I assume that they move first and then they would bring their kids and move their whole. livelihood down to another place. That's more like immigration from another country. That's not moving to Kansas.

Starting point is 00:22:52 Well, with the newborn. You would think it would be harder with the newborn. Potentially, I'm not saying it's easy, but people do this. Okay. It's not good, is it? It's not great, buddy. Your entire everything is not great. It's not great.

Starting point is 00:23:16 Glad we could agree. On something. So you quit that job because of the asthma thing. But didn't really 100% need to. You're kind of showing because you went back to work and you're a door dashing constantly. So that didn't really make sense to me. And then you frauded the government. I wouldn't call it frauded.

Starting point is 00:23:38 Well, they did and that's why you owe it back. They more or less petitioned me to go to court and figure it out. I wouldn't say frauded. Why do you think it was in court, dude? Because they just want me to pay the money back. And why would they want that? Dude. Because the employer feels like they got ripped off, but honestly in there, there was somewhere in that clause that I could claim unemployment.

Starting point is 00:23:59 And who won? I initially won. That's why I was on. The end, you know, the one that matters? The employer, honestly. Yeah, yeah, yeah, yeah, they did. They did. Dude, what the fuck.

Starting point is 00:24:12 I mean, that's just it. And it was settled by court, right? Yeah. Well, there you go. This wasn't even a mutual agreement between you and the employer. So that's it. You f***ed. Okay?

Starting point is 00:24:25 You f***ed it. Your choice. Your fraud. I mean, Colton told me you were ranting to him that you lost on a technicality. That's technically a technicality in my books. But that's it. That was the contract. Ambition comes in all shapes and sizes.

Starting point is 00:24:48 At First Citizens Bank, we roll with your goals because we're built for what you're building. fit for your ambition for Citizens Bank. Yeah, but when you think about it, the contract. When you think about the contract, it states in there that you can claim unemployment if you give them two weeks notice. And the court said? No. Buddy, I don't even know. This is so much paperwork.

Starting point is 00:25:13 We got to get into the finances. Especially since they'll answer questions better than you. But first, we know what came in. Am I looking at the joint house, the whole house? Nope, that's just me. This is just you. My wife didn't want to be a part of it. So her paperwork's not in here.

Starting point is 00:25:29 That's none of her tough. So I have to cross out her 3,200. Yep. So it started, oh! How much was spent last month? What was the outflow? We know the inflow. What was the outflow?

Starting point is 00:25:39 Outflow and close everything includes everything that's outflow. What does the outflow be? We know inflow. We know inflow. We know inflow. How much was outflow? I would probably say 9,000? News Flash.

Starting point is 00:25:50 It has been over 16 years since the federal minimum wage was raised to 7,000, almost in 25 cents and company productivity has doubled while our wallets have not. And let's be honest for a second, it feels like the system is broken. And we all deserve to be able to get an apartment house or car just like our parents good. But to do that, you need to have good credit. And that is why I want to put you on to today's sponsor, kickoff. There's no credit check, no interest, no hidden fees, just a ridiculously easy way to start building credit with on-time payments and plans

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Starting point is 00:27:14 I don't know. Honestly, bills get to be a lot with kids. What are the bills? What are the bills? What's $9,900, specifically? What is that? How does that life? being that? Can you tell me, please?

Starting point is 00:27:24 There's some medical bills for her that I put on a firm. What the fuck are we doing? Dude, I saw $1,500 going out to eat. We all saw that, right? Did we all hear that? And you immediately go to the medical bills? No. No. Food's never on my mind. I just like eating. I think food's always on your mind.

Starting point is 00:27:43 Oh, yeah. Well, you don't get tits for no reason. No shit. And debt payments net were $776. So fuck you it was putting them on a firm. You spent double your net debt payments to go out. You have to pay you. You have to pay the bills. Somehow.

Starting point is 00:27:57 You! Not even the household. You! You! Just you! Yep. I don't know what else to say on that. That's just me. I think about food and I eat it and I'm done.

Starting point is 00:28:10 That's it. But it's not even the household. No. It's not even the fucking household. Not me. Not Marini. You! It's all you, dude.

Starting point is 00:28:18 To fucking you. This spending $11,000. $1,000. Are you going to blame the kids next? No. They're innocent. They don't even know how to talk yet. Two year old can't talk?

Starting point is 00:28:30 She can start to talk. Not a three years old, they can start fully talking. Two year old they start learning words and sentences. My son is bullshit. It's an additional $600. So we're talking like $16,000. Unknown spending. We don't even know what this is. We're gonna find out this digital Amazon, Walmart, probably $2,000. Dude, this is insane. This is insane.

Starting point is 00:28:49 In every measurable way possible, this is insane. And that's why I'm here. Oh! That's why I'm here. You have ding, ding, ding, dung, ring the bell, celebrate. Woo, there's confetti following the editor put in.

Starting point is 00:29:05 I'm glad we hit it. Well done. That's why you're here. No shit. I just like, listen, that's why you're here for me to tell you did 11? 11? 11?

Starting point is 00:29:15 Big guy, do you budget? Is there anything? Is there any indication of any semblance of attempting to do anything here? I wouldn't say I budget, but I put down in my notes on this app. I have everything laid out how much it is and where it goes. The notes on this app? Yeah, I have an app that tells us.

Starting point is 00:29:30 me where all my bills go and how much it is. So I kind of know roughly where I'm going. Why not just use the budgeting up? It's not a budgeting up. You can create a budget on it, but realistically, I don't even know how to use a budget clearly. Oh, for a fuck sake. Well, I'll put you through the budgeting class. What the fuck? That's

Starting point is 00:29:46 insane. What do you think your score is zero to ten? Zero being the worst, ten being the best, your finance score. What do you think? Negative five. That's not an option, so I'm going to assume zero. I'd say zero. Yeah, sounds about right so far. If you want to see where you stand in the world of finances, take the Hammer Financial Score assessment, see where you're doing really bad,

Starting point is 00:30:07 where you're doing great. It is free at Calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you sign up for the dollar-wise budgeting app. It is my preferred budgeting app. That is the one I use on a daily basis. Sign up for that free trial. And if you like it, you can save a lot of money

Starting point is 00:30:20 by signing up for the annual version. And when you do, I will personally sign my budget-friendly cookbook that is going away in just a couple months and that will no longer be available. I'll sign it, mail it directly to you. dollar wise.com learn more there links in the description as well okay we gotta get into this because this is this is I have a checking account first which not pretty is I don't even I never start with checking accounts so that means there

Starting point is 00:30:47 this is something special there's a lot of negative than that one it starts with debt always as I say negative I'm currently negative in that account negative one um anywhere from 200 to 300 right now you've Negative $255. And some odd cents. As some automatic bills came through and I still don't have a paycheck. Oh. Oh.

Starting point is 00:31:11 Then you're grinding on the dash and not dashing. I don't have a paycheck so you're not spending $1,500 going out to eat it. Is it as easy as that? It's as easy as that. It's not even a question. It's not even a fucking question. You tit. You absolute tit.

Starting point is 00:31:29 Dude, no, is that even a question? If you can't pay your bills, you're not going out to eat your shit. You would think it's that easy. It is. It is. It is. As a faf to a ff. It is.

Starting point is 00:31:46 A lot of times you get home late, it's hard to book. What are you getting a door to do? A day. A day. A day. A day. A day. No,

Starting point is 00:31:59 fuck you doubt. You're sitting in a parking lot ordering a door to your car. Fuck you, 10. Well, it's 10 hours. 10 hours is getting back late? What are you? you on. What are you considered?

Starting point is 00:32:09 Oh, actually running orders? Oh, 7 p.m. 2 hours after 5, guys, we got back so late. You're framing this as you got home at midnight after the grind at the factory. This is just on the weekends now that I have a job when I was out there. And what time do you get home from the job? About 5 o'clock.

Starting point is 00:32:24 Oh, so late, traumatic. You're almost dead. You're so, what a sympathetic message? Oh, no, I get home at 5 when most people are getting off, by the way. Thank you. Oh, shit. Oh, fuck. Oh, I'm gonna be such a dick this episode.

Starting point is 00:32:41 Oh, you are, oh, what an animal. Yeah, you started with negative 22. Now you're negative 550. Ha ha ha ha. What I don't, I don't even know. It's hard to comprehend. It's not. It's just like your, your existence is insane

Starting point is 00:32:59 and that you're just excusing it with I got home late at 5 p.m. Makes me want to die. It's not hard to comprehend. It's miserable. What are you doing the accounts negative? Ah, you hope you get some money. How do you get that money? Either go DoorDash or you go work a side job, helping some people out weed their garden or something.

Starting point is 00:33:21 Or I'll tell you what actually happens. You rely on your wife to pull the account with the negative with your paycheck, with her paycheck. More or less. Yeah, relying on the wifie. Which honestly, we should be doing it in a joint checking account anyway. But it's weird that you have to pull from your wife. It was like a roommate glorified that you stick it in. I don't want a joint checkbook because then she goes in there and probably would take money that I'm out doing stuff with.

Starting point is 00:33:43 that you're out doing stuff with? What are you out doing stuff with? Paying the bills, going and probably door dashing, eating out, maybe going buying the groceries. And you're opposed to that? Her seeing that? Her, because she'd be contributing to 32. Just more complicated with the whole budget that I don't have.

Starting point is 00:34:05 Well, then it's not complicated because you'd be building it from fresh. You're not changing something that already exists. But it would complicate how I go and pay all the bills and where everything goes. You pay your bills. This is more money. Put it in a pile. There should be one bills. Yeah, I wish I could say that

Starting point is 00:34:18 Why can't you? Because all the bills are technically all in my name. She only has two cards and so. It doesn't matter whose name it is. We're married. We're in a partnership. They're all our bills. Yeah, I just take control of the finances and kind of wrongdoing.

Starting point is 00:34:32 But you're negative $550. How can you take control of the finances? You can't take control of anything. Do you not trust her? Not with the bills, no. No, not with the bills. You can still pay the bills from the joint checking account. Do you not trust her to be joint?

Starting point is 00:34:46 No, I don't trust her with the money. at all. Why? Why? Because when she was married to me, she actually was in debt and I was actually free and clear. Well, she's married to me. Roll that back. No, I don't trust her with the money at all. Why? Why? Why? Because when she was married to me, she actually wasn't debt. Okay, you just said when she was married to me. When she is married to me, technically, I'm trying to fuck that up. When she is married to me? Is she not right now, but she's going to be soon? I'm so confused. She's married to me. Why do you have to qualify with that? I'm so confused. What are you trying to say? I'm not trusting her with the bills. Why? Because I have control issues with that. I used to be debt free. She wasn't and now it's flipped. Yeah, when were you

Starting point is 00:35:28 debt free? I actually in college. Okay, dude, I'm a big guy. Oh, hold on. You're 27, okay. I was thinking 35. Gotcha. It'll get better. Well, what? Your age? As time goes on. How? It gets worse for many when you're on this path. I mean, once you get in your 30, don't they say everything gets better? Colton Lindsay, do they? I just turn 30, I don't know. We don't know. We just turned 30.

Starting point is 00:35:57 Unconcluded, right? Yes, my life is complicated. No, it's... You're being a dumbass, and you're not willing to be a partner with your wife. No, but you're not willing to partner with your wife. There's no time to fix it if you're not willing to do something. That's done.

Starting point is 00:36:14 But when she gets her paycheck, I just take it and I pay the bills, and when my paycheck comes in, I pay it all. Take it. Yeah. I pay off her truck and all her bills. She doesn't have many bills. I say bills meaning two. Ladies and gentlemen, a financial audit.

Starting point is 00:36:31 This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting that, all this crazy stuff over this past year, because that is where my passion is. We finally did it. And now we put it all into one program called Dollar Wise Central. You get the premium version. to my budgeting app, you get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting,

Starting point is 00:36:57 budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more, or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com.

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Starting point is 00:37:30 Let's f*** go. She has two cards in a truck. Does she have money? Yeah, her paycheck. No, you said you take it. Yeah, I give her about 30% of it. You tax 70? Mm-hmm.

Starting point is 00:37:43 Pay all the bills. What the f***? Are you guys trad? Traditional? Yeah. She's okay with this. Yeah. That's just how we agreed upon doing our views.

Starting point is 00:37:54 I need to call her on the post show. I need to call her on the post show. This is insane. That feels so controlling and weird. Some would say it's controlling, but some... I just did. Well, me, I think it's come kind of normal and how I do it. I'm a control freak.

Starting point is 00:38:10 I can't say anything different. But you're saying, if you're defining yourself and you have to use the word freak, I don't think that's considered normal. To me, it's normal. in my mind. You to the... Yes, it is. I pay all the bills

Starting point is 00:38:21 they get paid and if it goes negative it goes negative. You gotta live somehow. You don't want to be late on your bills. So if it goes in your account it gets negative,

Starting point is 00:38:29 well, money comes in, it comes in and helps. Dude, to the drug addict, it's normal to sleep on the street. That doesn't mean it's good and normal. Okay. No reflection, apparently.

Starting point is 00:38:43 Gotcha. Nope. But you were blaming her for her Timo. Well, on her 30% when you take 70? That's the problem? Because we could have more money

Starting point is 00:38:56 to pay off You mean more money that you take? To pay off more of bills. Bills that you got into. Yeah. But it's a joint effort when you eat DoorDash at night. It's not just for me. So that's the joint effort.

Starting point is 00:39:10 When it comes to the spending on the things you wanted to join effort, when it comes to taking care of responsibility and paying bills, it's a control freak. Yes. Okay. Affirm. It's $100, $100. Apple cash set on $120. Amazon, Amazon 216 there, then 52, McDonald's 24, Amazon 85, what the Zellonaut 150,

Starting point is 00:39:39 subway, Kindle, Perkins Restaurant, 50 bucks, Lian Chin, PayPal out 300, huh? Love me some chicken from there. Yeah, you're really on a diet. ATM would draw $100 going in and getting some bullshit. What do you stop it in at the gas store? It's normally just gas. No, that's, you are not getting $4 and $73 of gas. Camry does. It's only an eight-gallon tank, so sometimes when I top it off, it is only $4.

Starting point is 00:40:03 You're not stopping in and getting some fives. No. Maybe a candy bar, but that's about it. But a lot of times it is just gas for about five, six bucks. On the bigger side, it's probably her truck. Creature. Holiday, Panera bread, McDonald's, Taco Bell, AT&M would draw $500? Where'd that go? Up and vanish for bills. AT&M would draw? Well, that's kind of Apple Cash going into my checkbook. Apple Cash. I see Apple Cash and I comment on Apple Cash. ATM withdrawal.

Starting point is 00:40:35 ATM withdrawal. Hmm. I don't remember about that one. Famous footwear, $135. That one actually might be gas after that for 1520. Chick-fil-A, Perkins restaurant again, Applebee's.

Starting point is 00:40:52 You're a neighborhood guy, aren't you? Heck yeah. I love me food. We've established that. Zellin Out 10, Door-Dashing Taco Bell, McDonald's, Rosemount, car, something. Probably a car wash. Car wish you, you're in Minnesota and it's not winter yet.

Starting point is 00:41:09 If it's winter with the ice, I will consider it. Huh? It gets dirty. Oh, fuck off, dude. It is, it is. The roads are still disgusting. Oh, shut up. You don't need a car wash yet.

Starting point is 00:41:20 Dump a bucket of water on your car. Call it good. Cough. Culvers, Taco Bell. Zellin out $350. Panera bread. Burger King McDonald's Chick-Fla. This is insane.

Starting point is 00:41:33 Arby's Orleans subway. ATM withdraw $126. Cooper whiskey in and out. You have In and Out there? It made it there? No, I went for a bowling tournament in Vegas. I had to try in and out. Very disappointing, right?

Starting point is 00:41:51 I mean, I should be, but I'm not. No, in and out. Very disappointing, right? I mean, I like it. It's not that good. Oh, well, that's what I mean to say. Those were very conflicting pieces of information. I love when I very, very disappointing,

Starting point is 00:42:04 very much enjoy things and say it's not that good. Eh, it tastes good at first, and then it's kind of just like McDonald's, it's bleh. Don't shit on McDonald's like that? Honestly, McDonald's is not that good. You are a fake fat. Rather have Chick-fil-A. Chick-fil-A is great, too. Let's not pretend you're doing it for caloric reasons.

Starting point is 00:42:28 In and out, in and out. The Orleans again. Mickey Finns, Fish, Zelling Out 10, Cooper Whiskey. Car Wash again. Orleans Subway, Copper Whiskey, in and out, Cinnibar! For someone that in and out sounds that good, you have been a few times all in one month. Going into the movie theater, fuck you. Stop, you were not getting $3.51 in gas from Circle K.

Starting point is 00:42:51 I do not believe that for a candy bar. That is a candy bar. You're stopping in and getting a $3.51 in a candy bar. What the fuck candy bar are you getting for $3.51? That's an insane candy bar. It's the king size three musketeer. You can't go wrong with two seprets. Yeah, that's how much they cost.

Starting point is 00:43:06 That's insane. Buy a f bull. Dude, I can walk into HEP right now, our grocery store down here, and get a $5 pack of candy and have unlimited many Milky Ways, but it's so much more than a king size. Why do you refuse to buy in bulk? Because it costs more. It's cheaper to buy just a singular. What? I'm going to fucking die.

Starting point is 00:43:25 I'm going to fucking die. Not loving your AT&T or T Mobile Bill? Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile Bill to Verizon and we'll give you a better deal. So get away from that unfortunate. bone bill and get to Verizon. Run, ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T-R-T mobile bill to a Verizon store today and we'll give you a better deal on the best network.

Starting point is 00:43:47 A better deal. No surprises. That's Verizon. Best network based on route metrics, best to overall mobile performance U.S. second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person who regained me the deal. Additional terms, conditions, and this is insane. Dude, everyone on this show stops in, gets their bullshit and they get it in such an expensive way. I mean, that's what, look, that's what you have right now. That's what you have right now. You have the Gamer Subs energy drink. That's why we started stockpiling this at the store here. Because you balk by it. It's so much cheaper.

Starting point is 00:44:16 It's so much cheaper. And it's also delicious. I will honestly say that. It's cheaper. That's why we want everyone in the audience to start stocking up on that GamerSups, by the way, link in the description. Because that is so much more affordable than you stopping in and getting the candy bar. Stopping in and getting a one-off Red Bull. What are you getting to Coca-Cola? Pepsi-owned product.

Starting point is 00:44:36 Fuck you. I don't like coke. And it costs like $3 a 10. I don't get it. Bulk buy. You don't have the money to go and buy bulk right off the bat. You buy the small stuff. You do it.

Starting point is 00:44:48 You do it. You have the money that you have. I just like buying the smaller stuff. Why would I want a whole bag? Because then I'd be tempted to eat the whole bag itself. I'm going to f*** die. I'm going to f*** die. You are just an animal, an absolute creature.

Starting point is 00:45:04 An absolute creature. A creature. Look at that. Look at that. Their whole pack. The whole pack. Everyone on the show, it's always like a $5 energy drink. Their entire thing that is 100 cups, a hundred cups.

Starting point is 00:45:18 Their top that is $100 is $40. $40. That's why we decided to partner with them. Because, fuck you. A hundred, 100 cups of $40. What is that a serving? It's 40 cents. Instead of people like you who just stop in and get like a $5 thing.

Starting point is 00:45:36 or a $4 candy bar. But again, you can't do bulk. Buy bulk. Buy bulk. Yes, you can. If you don't have $40 up front. That's for the energy drink thing for all the energy drink freaks. You can walk in and get a $5 to $7 thing from the grocery store, Walmart, a big bag.

Starting point is 00:45:53 We're approaching Halloween. You know that shit's cheap. Not where I live. It's $25 bucks for a 60 piece candy bag. Dude, I have it right here. $225 pieces target $10. And I know you have Target there. Shut up.

Starting point is 00:46:06 Shut up! Shut up! Hershey's assorted pack from Target, $8.29. F*** you, it's there. It's literally right here. I will show you. I will show you. I will show everyone. Here it is. Here it the fuck is. Zoom in on that.

Starting point is 00:46:30 There it is, you see it, you f***. $8.29. I don't want to hear it. I don't want to hear it. I don't want to hear it. Again, then it's a whole big bag that you don't want to keep. It's just one bar. But you stop and get the one bar. To me, it's cheaper just to buy one bar.

Starting point is 00:46:45 To me, it's cheaper. How can we two me numbers? You can't two me a number. Fuck you to me. Just to me that. But it's easier. Ah! Is it?

Starting point is 00:46:58 You would already have it in your car. You just described how you doored ash. Actually on the way here I didn't have a candy bar. You just described to me how you door dash to your car because you don't want to get out and get something, but that's what you're doing when you're stopping to get an individual candy bar. Yeah, it's hard. Honestly, with baking money.

Starting point is 00:47:17 Crispy cream. I had to get some crispy cream while I was in Vegas. I had to get some crispy cream while I was in Vegas. What? They moved out of Minnesota, and the only time you can get it is if you come down in the southernness. What? Isn't it still in Michigan?

Starting point is 00:47:31 What the fuck? Why would I drive to Michigan when I'm already doing some more? I'm just saying they're everywhere. I'm surprised they're not in Minnesota. No, they moved out about four or five years ago. I guess looking at you, I would trust you in your statement. Oh, I would have plenty of donuts. I am fact-checking, though.

Starting point is 00:47:47 I mean, Minnesota, other than Minneapolis, I don't know what else. There's nothing else there, so it's like... They're planning on to move back. I know that. You're following the news, huh? Oh, yeah. There's a temporarily closed location in Minneapolis. They used to have one in Maple Grove.

Starting point is 00:48:02 They'd have one up in the... They're all over everywhere else. Sounds like your problem. Okay, this is insane. Candy Bar McDonald's, Dairy Queen, Golf, Fat, Fat, for $71. Hot dogs for $71. I took the group out when I was down there.

Starting point is 00:48:17 You don't have money. But they Venmo me back. Does he not look like the whale? I was just trying to save us from his own sad story. Hmm. Like, I'm just seeing it. You're straight. But he had a kid too.

Starting point is 00:48:34 Candy bar, Amazon, Amazon, ATM would draw $20. Zellin out $200, Zellon out $30. Zellon out $1,000, $8.13. Amazon, $37.99, holiday stations, Panera bread, car wash again, three car washes in one month, fuck you. Zellan out $8.

Starting point is 00:48:51 Dude, in three in one month. It's a new car. It gets dirty. You go through a month. I'm going to jerk myself off. You ready? Open up. Okay.

Starting point is 00:49:00 I have a much nicer car than you. And I get, it's like once every month, once every two months. Hopefully it doesn't rust. It won't. And it's not winter yet, rust. Fuck you. Do you not know what causes?

Starting point is 00:49:11 Oh, it's salt. Trust me. Oh, you're not in that season. In fact, this was July. Zellin out, sweet needs, Amazon, Applebee's. Oh, oh, this is why they put the checking account up front so that they could kill me. Your banked might not be your friend. I see so many people on financial audit get stuck in vicious cycles of paying off late fees,

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Starting point is 00:50:20 Amazon, McDonald's, Taco Bell, Amazon, Amazon, banana bread, Target, I-thi-hop, Thorneching Taco Bell. That was cheaper than you're going into I-Hop somehow. Target, we already know you go there, get your candy bars cheaper. Target, he went and got a candy bar,

Starting point is 00:50:39 I think, at the checkout line. Aztec Mexican restaurant. I guess that's the most ethnic we can get up in Minneapolis. They do have some good burritos. Pretty good burritos. Uh-huh. Uh-huh. Candy bar.

Starting point is 00:51:00 Zellin. Candy bar. McDonald's sweet needs. This is one month. Ladies and gentlemen, this is one document. One month. One document. One.

Starting point is 00:51:11 I'm no whale for no reason. Huh? I'm not the whale for no reason. I like eating. Oh, your cope is so hard. Your cope is so hard. Unfortunately, that cope was probably not going to let you see 40 years old. Candy bar.

Starting point is 00:51:24 Candy bar. I wouldn't be laughing at that. That's very real. Candy bar. PayPal and out. Holiday. Door-dashing double-daz. You got premium.

Starting point is 00:51:35 Perian. Savage. El Perian. Another Mexican joint. Bulls. Door-dash McDonald's. Candle. Candy bar.

Starting point is 00:51:46 Oh, we've a peach. We've approached you. Oh! Wasn't that bad, was it? Editors put into a glowing halo of beauty and amazing angelic noises because I am celebrating. I am celebrating. Oh, I'm so happy we're done with that document. That brought us to 50 minutes.

Starting point is 00:52:07 That is insane. My life's complicated. Your life's not complicated. You're a degenerate. It's had $102 over-draft fees. this year so far, which is now probably 150 after where we are this month. This poor wife. Cheats out with me.

Starting point is 00:52:25 That's why they're so expensive. The guy is forcing her to give 70% of her income and then he f***ed the house. This poor wife. No offense. And I'm sorry to do this to you because you're on the show and you're a part of the audience. I love you for that. You're the villain.

Starting point is 00:52:40 I don't think about it that way. You are the villain. You take all of her money. You have kids. And yet this is how the finances end up. You're the villain. But the bills get paid. No, even if it's negative. You're overdrafting.

Starting point is 00:52:53 I don't know. I don't know. We're going to find out. Paying bill overdrafting, fuck you. I don't know. Well, we'll see. We'll see if they get paid. Honestly, every time I hear that, there's usually late fees.

Starting point is 00:53:01 And seeing that we already are opening with hundreds of dollars in overdraft fees, fuck you. I wouldn't trust you for anything. Rarely been late. Rarely is still, yeah, are, by the way. The only time I can think of one is once. And I know that for a fact. I know I'm. Fact?

Starting point is 00:53:18 Yeah. The only time I can remember, and that's a fact. You contradict everything with your language. That's my personality. Or has, has Tim Waltz cut all education funding in Minnesota? I don't know. I don't do politics with them. That's not politics.

Starting point is 00:53:33 I'm just asking if everyone's there. Maybe. Like, I'm concerned for the schools based on this conversation. I just happened to know the governor because he ran for vice president. That's something. Hey, I graduated. So that's something. Went to college.

Starting point is 00:53:47 That's why I'm questioning. That is again why I'm questioning. You're not making that better. Not making it better, but at least I'm living my own life. For the next decade, if you're lucky. Yeah, maybe more. Maybe's such a boost of confidence. Okay, a firm, I think.

Starting point is 00:54:11 First debt. What's going on with this? That is a firm, if that's Home Depot. That's either a washing machine. Oh, I do see Home Depot. $3,780. 22 cents. Nope, that's the riding lawn mower that I bought.

Starting point is 00:54:27 Yeah, we would hate to get any steps in. But mowing an acre of lawn is actually pretty hard. I don't care how fat or skinny you are. It's actually a lot with a single push mower. Yeah, an acre, sure, fair enough. But for also what's worth one, you cannot afford it, too.

Starting point is 00:54:44 You could have subsidized for a long time having a mow the lawn for very cheap. Cheap what? numbers dollars i'm confused what remember the breeder restaurant you went to oh yeah yeah i'm confused what someone would mow your lawn for cheap oh yeah no up there it's $120 i had a quote from one company multiples they all give you $120 on the cent it's within the range of 100 to 120 to moll that good well once a month how long can that last us and that's seven months a year you'd have to do it every other

Starting point is 00:55:29 because there's ordinances in our city that you can't be more than two inches long on your lawn. Okay. I'm seven. So that could get you about two and a half years based on when grass is actually growing in Minnesota. That would be two and a half years instead of fucking yourself right now. It's not as easy as affirming a mower.

Starting point is 00:55:52 Actually, no, it is because they just show up and do it. Yeah, but I'm kind of anal about stuff like that. I have to mow it my way. Wait. now Colton's telling me the lawn more was a flip What does that mean? Yep I was getting me

Starting point is 00:56:03 I had to flip it because we had no money so I took that and sold it on Facebook Marketplace it was newer So I took that as a loan You don't even have it anymore No Why did we just talk about it for five minutes I had to flip it for some quick cash

Starting point is 00:56:17 You are bad at conversation Yeah some can say that What happened And what are the numbers? I think in total on that loan It's $2,700 for the more and then after fees and taxes, it was like 36. I have the number.

Starting point is 00:56:34 I'm talking about you. You just told me you sold it. Dude, you were so bad at talking. No, that's literally what I sold it for was 36. You told it for 36. Why is this balance still here? Because I took the money and put it in my account to use it as a loan to get me by. I took the cash from selling it on Facebook and took that money and used it for everyday bills and whatever it had to use.

Starting point is 00:56:55 For how long? You spent the 11,000 hours last month's worth? I wasn't proud of it. didn't want to get rid of it because honestly I don't like mowing but that's what I had to do yes how's the lawn being mowed right now a single push mower so you could have done it

Starting point is 00:57:14 it only takes two days to mow it but you do it yeah but it also costs a lot of gas so you could have done it because you're literally doing it right now could have so this was a debt that did not need to exist for any reason whatsoever and now it exists for nothing to show for it it didn't need to happen but it's honestly

Starting point is 00:57:33 a lot better doing it that way it's quicker you don't have it I don't have it no I don't what made you sell it because we needed the money oh you do stupid things when you're in need of money oh shut up

Starting point is 00:57:49 shut up you spent how much was the mower in total 36 no the mower before all the fees in bullshoulds it's like 2,700 27 you spend 2,000 hours minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum minimum

Starting point is 00:58:02 on bullshit that's a two year minimum and I haven't gone through your Amazon yet 2,000 on minimum bullshit you You could have cash flow, well, not cash flow, because you're going into death for that bullshit anyway. But two months of your bullshit and you would have paid for this whole thing. Fuck you. Let's them, that's, that's cope to the extreme. That is cope to the extreme.

Starting point is 00:58:20 Desperate time, step, matters. There's one home depot. That's the washing machine. Hold the fucking. Hold the fucking. Okay, one second. Okay, so I'll call this lawnmower then. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd.

Starting point is 00:58:37 But too often, life gets busy or the price hold you back. Priceline is here to help you make it happen. With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Priceline. Download the Priceline app or visit Priceline.com. Actual prices may vary, limited time offer. First one, lawnmower, you owe $3,780.22.

Starting point is 00:59:06 No asset to show for it. course. With the minimum payment, it looks like $164.42. What's the interest rate? Between 30 and 31. Typical a firm loan. A firm, by the way, is typical 35, so. No, it's not bad. No, it's probably 35. Last time I looked, it was 31. I could be wrong, like everything else. Oh, you're... Oh, you're... Okay, I see another Home Depot firm. This is for $650 with a minimum fee payment of $54.24. Also, probably at a... 35% interest rate. For what? That was a washing machine. I had to

Starting point is 00:59:45 basically buy a new one for my landlord because he claimed that we broke his. And did he force you to? More or less forced us to get a new one. No, no, right then. You had to get it right then. You couldn't get it when you moved out? No, we didn't move out. We were still in that same house. I know! Oh my fuck, dude. He is... Oh my gosh. Colton saved me.

Starting point is 01:00:03 I'm saying he was forcing you to buy it right then, right there. You couldn't have bought it when you were moving out. No. No what? Right there. Okay. Which I honestly don't even,

Starting point is 01:00:14 I don't even know if you communicated or even understood what was happening, but what the fuck are we doing? Oh, you're late on two payments. I thought you just told me you weren't ever and you're paying your bills. That's what you were bragging about. No, you're behind.

Starting point is 01:00:31 No, Colton's telling me you're laid on two payments. Oh, yeah, that's not a different one on here. Bragging! On my checking, yes. Not a firm. That's different. You can't qualify that. You can't go negative on a firm.

Starting point is 01:00:48 It's just loans. Yes, I'm complicated. You're not complicated. Stop saying that. You are a moron! I don't think I'm a moron, obviously, but, you know. Great, you got a washing machine. Did he dictate which one to get?

Starting point is 01:01:18 No, I just bought him the cheapest front loader, similar to what he had. If I want to think about it this way, I actually made $300 on that, because at the time it was on sale. So it was a good deal. I think that's money in your pocket when you say made? Then you didn't make $300.

Starting point is 01:01:36 It's a good deal. I'm gonna die. This is insane. What the fuck? What the f is this episode? What the fuck is this? Okay, okay. How about this?

Starting point is 01:01:47 We got Home Depot. We're back for the third time. $8.72.71 out on this one, probably a 35% interest rate. Minimately payment, $68.12. What is this for? That I can't remember. There's a couple of them that you just kind of forget.

Starting point is 01:02:04 You just make the pavement. You're not even a quarter. of the way paying through it and you don't know what this was. Is that under the quarter of the way done? It's not even a quarter of the way done. You've... Dude. Can't remember what that one is.

Starting point is 01:02:20 No, no, no, no. You went to Home Depot and you spent $1,100. What did you get? Come on. Come on. Come on. Can't remember. Come on. This was four months ago.

Starting point is 01:02:34 Four months ago. Four months ago, you walked into Home Depot and spent $11 to $1,200. You can't tell me what it was? Can't remember. Okay. Colton thinks based on the conversation that it's for paint and account. Yep. If that's what I'm assuming it is, I tend to forget things really quick. We moved into this house in the rental. We had to get things.

Starting point is 01:02:59 You had to get paint. And Facebook marketplace a couch, you tit. Why would I want someone else's beat up couch? Because the rich people just get rid of it for free. Well, there's no one rich up in Minnesota. Yeah. Oh, you moron, those rich people everywhere. Minneapolis is a major metropolitan area. Yes, there is. Well, there's rich people in Minataka, but. There are rich people in Minneapolis, you absolute. Still don't want someone else's used couch. You don't know what they did on it.

Starting point is 01:03:25 Oh, you get it nice and cleaned, and then you fuck on it and claim it as yourself. Yeah. Why would I want to fuck on the couch? That's kind of gross. On a couch? What's what wrong with you? Fick anywhere.

Starting point is 01:03:37 Yeah, but not on a dirty couch. I don't know who had it before me. You clean it, you beast. With what? A cleaner? Yes, a cleaning supply. One of those steam cleaners? No, that doesn't do much.

Starting point is 01:03:47 Oh, well, you're going to. You don't know. They could have cockroaches. You don't know that. You would see that. You would see that. A lot of times they don't come out. They're like bedbugs. They hide until you find them. Oh, my. He sucks. Paints again. Okay, you did not need paints. Can we at least acknowledge that? It was a green room. It was lime green. Good. And you accept it. You accept it because that doesn't matter in your actual life. This was a wand. It has to be tan like the rest of the house. Okay. Here's Amazon. This was Amazon. This was Amazon, you owe $805,089. You've paid 1770 so far. What did you get? What did you get for about $3,000? That was living room stuff before we moved into this house.

Starting point is 01:04:41 That was like a book. You can't get you at all. No. It has to be nice. You don't live that life. When'd you move in? We moved in just under a year ago. Okay.

Starting point is 01:04:53 Okay. You weren't making dick. You don't live this kind of life. Minimity payments, $34.991. No, uh, hold on. I actually don't know. I'm gonna just assume it is. Pull up your Amazon on your phone and start a screen recording for me.

Starting point is 01:05:12 Lady Domino, can I just be honest? This show blows my fucking mind. I filmed four of these a week and I, uh, the first five minutes or so, I'm like, okay, oh, this is, you know, we're just, I'm talking to a person. By the time I'm 30 minutes in, this show never fails to blow my mind. How did we... How were we here right now? How were we making this?

Starting point is 01:05:34 How are we making the show together, all of us in this room right now? How are you here? How have you made it to this far in life? Especially with that figure? This is crazy. This is insane. This blows my mind.

Starting point is 01:05:46 This blows my mind. They let you on a plane. Give me this. Okay, as security is happening. Ooh, he has the new glass update. Not a big fan. I'll be honest. As an Apple Simp, not a big fan.

Starting point is 01:06:00 Oh, that's Vonon. Why don't you have your screen brightness? Oh, you have it in weird... Okay. Okay, we got four princesses, four unicorns, dog, furniture, and accessories, dollhouse. Green Bay, fuck you. Oh, that's my wife, not me. Okay.

Starting point is 01:06:13 I don't watch football. I'm glad your wife... Okay, you are the pussy of the family. I don't watch football. I don't like it. You're the beta. She's the man. Gotcha. You got glitter hairbrush.

Starting point is 01:06:22 Definitely didn't have brushes. Bobcats. Don't know what that one is. That's another wife. Montana State. That's another wife one. Okay. Again, the math.

Starting point is 01:06:31 one yet you control the money. I think I trust her and I feel like I can't wait to talk to her in the post show. More football, more sports hats. Love the brain book. Love theoretically. This relationship's not going well. Book. Green Bay Packers bow tie. We got pens. That's fine. Three year monthly planner. Great critical for life. Return completed. Someone's in your driveway. I'm putting your phone on do not disturb. It's probably another squirrel. Except I also don't see that. Is this the update or is your button layout just horrible? No, that's the new update. Where's the do not disturb ring?

Starting point is 01:07:07 Someone's in your driveway. I'm thrilled. I would like to verb. To believe it. All the controls I need is right there. Except for Do Not Disturb of which was a requirement when you walked into this room. Okay, what are these? Trash bags, that's fine.

Starting point is 01:07:29 Once return. No, what? This is not only your orders. I saw so many purchases. Your orders since when? Probably recently. Last three weeks. 30 days.

Starting point is 01:07:42 Okay, that one's returned. First day of school. Shirts, fuck off. Sleeper book thing. Oh. That is. Wife likes to have a little fun with that one.

Starting point is 01:07:53 Yeah. It's 8.7 inches long. Realistic dildo with strong suction cup. Double layer silicone. See, I'm not all that bad. Are you sure? Because, again, this is... Yeah.

Starting point is 01:08:12 You're not that bad? This is the kind of. compensate. No. Both at one time. Truck bed. Do you want details? That's both at one time.

Starting point is 01:08:25 Hey, you got to spice up the marriage somehow. Truck bed thing, baby things. Lots of baby things. Lots of books. Okay. I see she went for the very tanned and cut flavor.

Starting point is 01:08:47 And she was... Well, I mean, she probably doesn't want... Sorry, she selected red instead of... She's not into those people. I'm sorry. She's Danish. What can I say? What?

Starting point is 01:09:07 What? She's Danish. She likes white people. She's not racist, but she likes white people. She's not racist, but she hates the blacks. I didn't say she hated blacks. She doesn't hate black people like that. Like that.

Starting point is 01:09:22 In bed. It's a... Dildo. She likes it in bed with white people. Yes, I know. Trying to make sense of it. It's hard. What can I say? You probably shouldn't have said that.

Starting point is 01:09:41 Okay, this Amazon's basically brand new, I think. What's this Amazon for? It looks like it was a purchase of $320. That was recent. That was probably some of the Dildo? Probably. Okay.

Starting point is 01:09:56 We're calling this one the Dildo. paid a little extra to make sure it's the right race. $242.30. Minimum monthly payment, $80.76. Nope. $13.46. It's one of the cheaper ones. Oh.

Starting point is 01:10:20 Okay. Amazon. Halfway done paying this. Looks like you purchased $250. Um, five months ago. What was that? Amazon? Yeah.

Starting point is 01:10:28 Probably just more basic stuff. Okay. I'll just call this bullshit. It's a lot of just every day. things that the wife wants books. Everyday deal does. $26.448. Minimuthy payment, balance $144.73.

Starting point is 01:10:44 How old's the wife? 24. It's pretty good looking, too. So. Matter of fact, it's right on my screen. Let's see it. Do we have consent to show her face? Not the kids.

Starting point is 01:11:12 Not right now. She's currently a teacher. I kind of don't want to put her out like that. No, but I see it. That's okay. We won't put it in there. That's fine. All right, listen to your financial audit.

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Starting point is 01:12:40 Okay. Now I know what the woman's like. That's taken a 9-inch. 7.8. to be exact. Oh, sorry. Eight inch. Can't have too much fun.

Starting point is 01:12:51 I want to exaggerate. No, of course not. Delta Airlines. Looks like you just did this about a month ago. Yep, that was the flight to Vegas. $606. Again, these are all at 35%. By the way, usually 35.99% is what a firm is that.

Starting point is 01:13:05 You are fueling their entire stock price. $55.25 is the minimum of the payment. I don't even know what to say. $606. What is a six month loan? What are we doing? No, it is not. It is 11.

Starting point is 01:13:16 It's 11. 11? Yes, it's 11. Yes, there's more. You're just not a debt person. I'll set you up with the FIS card, debit card that builds credit, okay? I'll set you up with that so you can't spend what's not in a checking account,

Starting point is 01:13:30 which is a problem for you. If you ever want to get a higher paying job, a lot of people in our audience have used course careers, so I'll set you up with one of those for free as well. It's good certification program. And I'll also get you on the Weebel app, okay? That way, when you're ready to invest, you can throw money there and get boosted API

Starting point is 01:13:47 for money that's, is uninvested. It's a good savings place. I'll get you set up with all that for free plus all of our education program. So, sake, you're just not a debt person, man. Okay, but you also

Starting point is 01:13:59 just did a price line thing a month ago. Yep, she went to Texas to visit her dad's while as in Vegas because the grandparents took the kids for the week. $257 to $69 left. You guys are uncontrolled.

Starting point is 01:14:17 And also, $23. and 43 cents a month again. We're at like 35% interest. This is forever. Expedia. Is this the hotel? Yep, for her.

Starting point is 01:14:34 I'm gonna fucking die, man. Okay, we're at $156. Is there anything you do not affirm? Actually, the question, the answer is yes, because your checking account was also madness. This is insane. You affirm everything, yet you also blow all your money. Everything's easier.

Starting point is 01:14:47 Why? That doesn't mean it's good. It's easier to control it month-to-month basis when you have no money. But look what happens when you're paying. payments hit and now you're negative $550 right now. That's because you've stretched your life where you put everything on minimumity payments and now they've all stacked so high. You can't afford minimum

Starting point is 01:15:01 to save your life. Makes it easier. It's all I can say. Except now you can't make your payments. When you go unemployed, that's how it happens. When I was unemployed, yes. We're not. And this was last month. Another price line. Flight.

Starting point is 01:15:19 Another flight? To where? To the Vegas. What? I just had that, but Delta. Yeah, the flight home. It was One-way tickets. You got them one-way? Round trip actually was more. You are a f-f-k.

Starting point is 01:15:32 Dude, you, I don't know, 167 dollars and 98 cents. Are you embarrassed? Yeah. Good. No, actually having someone tell me about all this debt, yes. Oh, this is. Menards? Now, that's fucking Midwestern to its core.

Starting point is 01:15:48 So it's the worst Home Depot. Yeah, it's... That's what my parents met. Really? Isn't that cute? Hey, I mean, little flannel. all, why not? Save big money.

Starting point is 01:15:58 Yeah, that jingle gets old. What the f-did you get? Probably some basic stuff for the house. You don't even know. This was just a couple months ago. $360. Okay, I'll call it. All furnace filter is probably about $40 a pop right there.

Starting point is 01:16:12 It's a newer furnace that he put in. You had to pay for the furnace? Yeah. Why? This is a rental? Because when we moved in, he told us that certain things are on us. And then when we moved out... Did you sign the contract that stipulated that?

Starting point is 01:16:24 We didn't really. looked through that contract. Well, if you did, then that might be right. But I would also talk to maybe a lawyer. And also, Colton's telling me it's for a grill. Yep. I'd have hard memory trying to remember a lot of things of what I buy. I mean, honestly, there's a stack of paper.

Starting point is 01:16:42 It's hard to keep track. It's almost like a bank account when you use a firm. You kind of forget about what you buy. You have it. You forget the loans there. And that just tells you you need to pay it. Minimum monthly payment, $30. $0.22.

Starting point is 01:16:55 cents, balance $302.24 for a grill. A critical necessity for life that your family would not have to get a $120 grill. You have to get a nicer one that's not going to burn. You can also just not get a grill, you fucking creature. What are you going to grill burgers? I like Ridge wallet. Yeah, they're pretty cool. They were a sponsor once, but I still support them even though they didn't come back.

Starting point is 01:17:15 They're good. You just can't afford it. I had to get a new one because they didn't want a lifetime warranty mine. Dude, you can get a little Amazon wallet. Cheap. Why? A Ridge wallet's better. Because you can't afford it would be the answer to why be.

Starting point is 01:17:27 Why? Because you can't afford it. It's nicer that everything's protected. But it's protected. But it's protected. It's RFID. If I get a basic leather one, well, I've had my stuff stolen multiple times. Stop leaving it places.

Starting point is 01:17:40 Oh, it's not leaving it. People taking the numbers or something. $1.15. Miner up to payment, $10.4. But I just, this is insane. You just get everything you cannot afford. Seeing that now, yeah? We're the Hartford.

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Starting point is 01:18:13 You're good. You just don't think about the payments in the moment. Alina, Health, this was the thing you blamed all of your shit on at the beginning. And this is one of the smaller balances on all the affirms. out of the 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 11, 12 we've been through so far. That was one of them. And this is what you says the conversation up with to begin with. Fuck you.

Starting point is 01:18:32 Yeah, I put my medical bills on there because when I had the money I was paying for them. So that bill was like 1,300 to start. And then at the time when I couldn't pay it, I just put it on there because you can use it as a cart. Your medical bills or your daughters? All of ours. That's all the one to count. $361.81. What happened to you?

Starting point is 01:18:48 Basically tripped and fell and sprang my ankle. Stop. $36. $0.44.0.5.00. Balance is $361.81. Also, probably at a 35% interest. Which doesn't make sense. Do the payment plan at the hospital? It's 0% interest. You have to have credit for them. Oh, for... Seriously, they run your credit and they tell you know.

Starting point is 01:19:07 This one just says a firm virtual card. So you're just out there swiping. Okay, so this one's just straight up a firm virtual card. That's the online one that's named that. That's another medical bill. Oh, okay. We'll call this medical then. That was one of the ones that they would not do with me in payment plan. $4.88. Minimumulty payments, $17.8. Crazy.

Starting point is 01:19:31 Okay, we're done with the firm. Thank. But even worse, credit one. The enemy of all credit cards. They showed up in the mail one day, and you're like, yes, please, let me destroy my life. The first one, no. I signed up for the first one myself.

Starting point is 01:19:46 Second one showed up. Second one showed up. They had a really good APR, 0% for the first five months. Five months? For five months. It was an odd term, but I took it because I wanted to die. because I wanted to use it at just a gas card. Oh, good.

Starting point is 01:19:57 You're over maxed out. I pay my bills, guys. Pay the minimums. $64.52. Interest, $14.72. Fees, $8.25. Minimumptu payment, $34. He purchased on the horrible,

Starting point is 01:20:14 horrible evil card at one card. $8.25. What did he purchase on? Two McDonald's on that horrible card. Just in that month, yes. That's so stupid. It puts you above the line. limit. You're losing endless interest and fees

Starting point is 01:20:27 on a monthly basis here. What can I say? You can say, don't do this and close it. Close the card. Yeah, but doesn't hurt your credit? I don't give it. Your credit's nothing. Who gives a 610 last time I looked? Yeah, that's not good. Close it. I thought it was better than normal. Normal? The 720's normal. It's what I'm taking it as.

Starting point is 01:20:48 Huh? 720 credit score? Isn't that normal? Is normal? And you said you said you're 610? 610 is better than 300. You just said you're better than normal and then you said normal is seven. I'm normal. 600. Editor, roll it back.

Starting point is 01:21:03 I don't give it. Your credit's nothing. Who gives us? 7610 last time I looked. Yeah, that's not good. Close it. I thought it was better than normal. Normal?

Starting point is 01:21:12 Is the 720's normal. What the f-are you? Can't say. I don't know. I know. I know. Answering questions. Very difficult.

Starting point is 01:21:20 Oh, we're at 28.2.4% interesting. It's better than a firm. Quick Silver, what's going on with this card? I don't expect it. Is that the big one or the small one? I don't know which one's which. Okay, how about this? This one's at $3,245.73.

Starting point is 01:21:43 Minimumal monthly payment, $116. What's going on with it? That one was supposed to be my everyday card. That was my first card. Would you have an everyday card? You can't manage cards to save your fucking life. Who are you to have an everyday card? Because I claimed bankruptcy about four years ago.

Starting point is 01:21:57 No, you did not. I did. No, you did not. And they offered me that right after bankruptcy. So I used that supposedly as groceries. This is why we do not debt consolidate bankruptcy, credit card transfer, pull from 401K to take care of our debt situation until we fix our behavior and show that we can at least maintain a solid budget without fucking around for three months because then we end up

Starting point is 01:22:20 right back here again. This is another instance of it popping up as usual every time it happens. I'm going to fucking die. This takes 17 years to pay off if you do minimum of the payments only without any purchase. purchases, but guess what? Oh, you purchase. You purchase. $193.97 to be exacting. Guess what? Open this right after bankruptcy. Oh, we're over the limit by $125.73. Kill me now. Why? You got to live. You got to live. Yeah. You won't be much longer with McDonald's, candy bars, Apple Bill, hotel and casinos. Oh, God. Gough off. Rosemount, car spot. There's,

Starting point is 01:23:00 There's a fourth. There's a fourth one. A fourth one this month. You. Car wash. So stupid. So stupid. Apple bill. Apple will fuck off your phone again. Start a screen recording. I'm going to die. I'm going to die. Not this. I don't give a shit about that. Dude, you get notifications every five seconds. Bill Tracker Pro. $20 a month? A year. Oh, that's okay. That's pretty good. Listen, but that's not as good as a good budgeting app like dollar-wise. Whatever. Sticker go. Paramount Plus. Gough. Apple TV Plus.

Starting point is 01:23:44 I call it plus. I mean, that's the one I can, I can, one I can allow. It's just insane, man. It's just insane. Just don't know why you allow this. Just don't know why you even allow this to yourself. Almost four hundred dollars in interest lost this year so far. We're back to credit one ladies, gentlemen. We made it. It's a second out of the third card. Oh my gosh, there's still so much more to go.

Starting point is 01:24:11 $680 at least one's the ones only maxed out and not over maxed out. $680.93 minimum fee payment, $35. Yeah, $60 of fees, $60 of interest. Taco Bell. All that for Taco Bell, huh? And almost 30% interest rate. It's been maxed up for two months.

Starting point is 01:24:30 Shocker. All for Taco Bell. Another credit one. Good. I'm going to have to use... We should charge them when I have to use this second piece of paper in my notebook. This one's also maxed out.

Starting point is 01:24:47 $7.998. $0.54. Oh, minimum payment, $40. No purchases. Well, we're maxed out. Interest and fees. Of course, 105 in interest, 95 in fees.

Starting point is 01:25:03 30% interest. This is insane. This is just insane. Mission Lane, haven't seen this in a second. What's going on with this? How was going to be my gas card? Lots of cards for a lot of things that we all just max out and use on fucking bullshit. Oh, balance.

Starting point is 01:25:19 It's $586.89. Why did it not turn out to be the gas card? Because I see you purchasing gas on other cards. It was just an everyday card. And then you didn't have a job. So you have to put things on there. Why'd you have to go bankruptcy four years ago? College loan.

Starting point is 01:25:34 They wouldn't let me take it off. So I had to do something with all my credit cards. Dude. $159 a purchase and then $15.90 cents of interest three years to pay off. I'm going to die. Oh, it's, yeah, maxed out. It's all for Wendy's and gas. Wendy's and gas.

Starting point is 01:25:53 Basically $80 in interest this year so far. Wendy's, destroying our lives for Wendy's. It's just so good. So good. Discover it. What's going on with this card? No purchases. Well, it's because it's close to max out.

Starting point is 01:26:04 That one was the one that I had in college. That was one that they didn't close in the bankruptcy. Why? Because that just didn't have a balance. They left it open. $439. $27. Minimum monthly payment, $35.

Starting point is 01:26:19 $16 months to pay this off. $41.73 of interest this year so far. Aspire MasterCard, I haven't even heard of this. It's another low-level kind of a credit one. Well done. $301.81. 81 cents. Interest charge, $10.00 is last month. Minimum monthly payment, $34.66.

Starting point is 01:26:48 Do we need to have a third fat stack week already? This is insane. What are we doing? Eating out, apparently. Undersatement, big guy. An understatement. This is in a 36% interest rate. That's insane.

Starting point is 01:27:08 Also, lots of fees this year, probably late fees, $85, $19. and 17 cents of interest. Quicksilver. Again. Yep, that's my small one. They offered it me in the mail and I took it because I needed the money. That one was actually for groceries.

Starting point is 01:27:25 $267.59. Minimity payment, $25, $269 and $91 in any $1 of purchases at the max. Crazy. Another car wash. Holiday, raising canes, U-Haul moving in storage, Taco Bell, Starbucks, going in getting to bullshit, Taco Bell, and more gas. What the fuck are we doing? What the fuck?

Starting point is 01:27:57 Sounds like I need treatment for food. That might be real. AVance. That's another low life card. New balance, $203.88. Yeah. Payment, no purchase, interest charge, $5.86. Minimum monthly payment, $25.

Starting point is 01:28:19 $10 must have pay this off. Had $75 of fees this year so far. I don't even know what it is. That's a later annual. That's an opening annual fee. That's a fucking opening annual. Oh, an interest charge. is also at a 36% interest rate, dude.

Starting point is 01:28:37 36% interest rate. Oh my gosh, this continues. Toyota Camry! Yep, that's my car payment. Why, I thought you got a brand new car while you have all this? That's why I need the car washers. Well, you're unemployed.

Starting point is 01:28:49 Well, I got that in December. That was while I was employed at the chemical company. Well, you could not afford this at the chemical company. I know what your money was. Not this. K, Toyota Camry, 41,000. $149.79.

Starting point is 01:29:07 What Americans will do. Fuck you. I don't give a shit. 7% interest rate. Minimum of the payment on your f***income, even last income, which is substantially lower. $752.25. That is insane.

Starting point is 01:29:20 Guys, this is paid off in 2031. Six-year loan. Next decade. Next decade. What do you think this car is worth at you owe $41,149? Last time I looked, it was worth $31,000? That's about right. Just about. There's a little negative from the last one because I didn't have gap on my older car.

Starting point is 01:29:39 I got backed into at work and they claimed me 50-50 at fault. Is that your F-150? Mm-mm. I mean, told you still owe on a repo from your F-150? When I was leaving the refinery. Oh, dude, you do every bad thing. Is there anything you haven't done that is bad payday loans, maybe? No, I haven't had done a pay-of-day loan. I won't do that. I don't do that. We'll see.

Starting point is 01:30:00 How much you owe on that repo? If I want to take it out in one lump sum, they'll do a 50% cut at about $8,000, but I owe about $16,000 left. Well, at one time at what? At just about $8,000. So half of the loan. This is insane. The car is underwater by $10,000. The borrowing the difference honestly still might even be worth it.

Starting point is 01:30:22 I might borrow $10,000. I would sell it, borrow $10,000 to cover the gap once we make some more progress on debt and boost your credit up. And then borrow $10,000 on a used car that two-mican. mechanics approved that will last you safe for a couple years to come. That gets you down from $41,000 to $20,000. Yeah, it would really help. Yeah, it would really help. Student loans for who?

Starting point is 01:30:43 Me? Yeah, because we don't have your wife's shit in here. You said there's double... Okay! And that's just the government loans. I'm gonna die. $22,792.1. What's the minimum?

Starting point is 01:30:58 Right now there is no minimum. You don't have to pay on them because the government's forbidden. Nell Nets Yeah, Nell Nets being sued So, Forbearance. Nelnets being sued? Yep.

Starting point is 01:31:10 That's why? No, but that's just a student loan servicer. Were you on the save plan? Mm-hmm. That's why. That starts next year. That starts in the summer. I think it's June or July.

Starting point is 01:31:20 I doubt it's it goes in Nelnet. I felt like... That's the Nell-Net one. Yes, yes, yes, I know. What is? First Mark? Yeah. That's my private student loans.

Starting point is 01:31:33 Nell Nell Nets are first. federal student loan service. But they're serviced by NellNet. This is not Nell-NAT. This is first mark. Are they owned by Nell-NAT? Maybe? I don't know. Oh, for... That's about $56,000.

Starting point is 01:31:47 No, this is my last thing. That means I don't have savings. That means I don't have retirement. Or 401K. That's retirement. Well, you have an IRA and a Roth IRA through work, too. For your work? You can. Not for your work. That's your own private retirement.

Starting point is 01:32:01 I just consider retirement. It is retirement. retirement and there's none. Nope. Okay. Then what? Oh, dude, you are such a creature. Man. That's why my wife married me. I'm different apparently. Your student loans will be about $250. I'm actually, you're going to be automatically enrolled into the RAP plan repayment assistance program. At your income level, household income, I'm going to assume your payment's going to be like $100 a month. Okay. Maybe $50. We don't have to worry about that. Cool. Okay, private student loans. What was your

Starting point is 01:32:34 I was going for mechanical engineering at Iowa State. You probably should... Going for? You dropped out. Dropped out after three years. Well, you probably should have kept that high paying job and moved for it. Fix your finances and then moved back. Oh, fuck my life.

Starting point is 01:32:48 $53,970. And 13 cents. Wasn't a cheap school out of state. No. It wasn't. Minimum? monthly? What's the minimum?

Starting point is 01:33:04 On that one, it's paused currently. but when I was paying, it was roughly 540 something. When does it resume? I don't know yet. It's just accruing interest while you're just sitting here. Forbearance. Forbearance. Forbearance.

Starting point is 01:33:16 Forbearance, yeah. You don't know when that ends? You logged in. Well, that's going to be death when that happens. And it's going to be higher now because you're just scaling because it's accruing interest. I mean, listen, your optional interest payment alone is $1,387. Yeah Extension

Starting point is 01:33:50 Until It's at an 11% interest, right? Dealing interest This made a payoff through Yeah, it's a variable loan Well, it's going down then, but It won't be good I wish I could see when it ended

Starting point is 01:34:11 Good luck us making a budget Are you going to do that car thing I talked about? I want to Okay, now I'm crossing out the car, I'm going to make your new minimum fee payment approximately $400, okay? And you'll have a $20,000 loan for that. Okay?

Starting point is 01:34:30 Okay. What's the typical credit you would need for a loan like that? Well, I actually saw in one of your credit before it's about $6.50. It's going to be a debt-to-income ratio that's rough. So that's probably why they don't approve me for the loans. No, you could get a car loan. It'll be a sh-de-car loan, but it will still be the lower balance that you'll aggressively pay off anyway, so it still works.

Starting point is 01:34:50 So it would be through like Capital One or something. Yeah, you're going to trade in possibly maybe a negative equity position. You're going to take out a shi loan close to like 19%. Something like that. Yeah, it's going to suck. But it doesn't matter because you're not going to have it for long because you're going to include it in your snowball. But a car companies will approve you for shit loans. You only get a car that you're able to take to two different independent mechanics and get their sign off.

Starting point is 01:35:13 So we'll do that. That's the first thing you're going to do when you get home, okay? You're going to start looking into it. And that's how we're going to budge you. But we'll see the difference. You'll see the difference. Okay, total income, because it's only just you, $3,400, because you guys are really weird, and I'm going to call your his wife in the post show, so stay tuned for that.

Starting point is 01:35:30 An extra 20 minutes of each episode. Debt, minimum fee payment. Yeah, let me add this up. Good the fuck me. $23.43 a month again. All right, like, 35% interest. This is forever. $301.81 cents.

Starting point is 01:35:51 Interest charged $10. The last month. Minimum of monthly payment, $34. New balance, $203.88. Yeah, uh, payment, no purchase, interest charge $5.86. Minimum monthly payment, $25. 10 must have paid this off. So, max out, $798.

Starting point is 01:36:18 $54. Editor, you should make this like some sick montage or something. Whatever, I'll do what I want. $1,364.59. So that's like half your pay gone. Good. Now mortgage, how is that paid if we're like rent? Rent.

Starting point is 01:36:37 How's that paid if it's like you and her and how do I talk about this? So my mom pays $1,000 towards rent. My wife pays the other $1,600 right now. And you pay? I don't pay anything currently. What about utilities? I used to pay the other half. What about utilities?

Starting point is 01:36:53 Utilities, about 600. Do you pay that? Yes. Okay. Is that including the internet? Yes. Phone bill. Phone bill is about 230.

Starting point is 01:37:04 Switch to helium whenever you're done paying off these phone bills. If the mobile is good there for $15 a month. That's crazy. 230 is insane. Gas, vroom, vroom, drive, drive. If I would have to guess, probably 130 a month. Dude, I don't know. I saw a lot of gas.

Starting point is 01:37:19 I saw a lot of gas. I'd get closer to her, too. based on what I said actually I had 591 but that's probably because of door dashing was not calculate okay I'm gonna say 200 then

Starting point is 01:37:34 car insurance insurance for both of us well do you pay for both? Yes this is so weird yes it's 341 a month okay necessary food how does the grocery spending

Starting point is 01:37:48 I pay for it okay do you have to shop for mom mm-mm good I'd say about 250 A week Because you got two kids Well, one's on formulas still But pretty soon they're going to switch it over

Starting point is 01:38:05 I know that's not horribly cheap A thousand bucks TPP found anything else You and the family need to survive We could probably do 300 Medical health care co-pays We don't have a co-pay plan But it's

Starting point is 01:38:17 What was it $150 a paycheck For the plan? Oh yeah but that gets taken out prior. Yeah, prior. So technically. Jim, is there a gym?

Starting point is 01:38:28 Mm-mm. Clearly not. Subscriptions. Let's try 40. Are there pets? Yes. What? A dog and a cat.

Starting point is 01:38:35 Age is in health. They're both good. One's almost five. One's almost four. 150 for pet insurance. Pet food, how much? The cat, 16 bucks. We get the bigger bag.

Starting point is 01:38:50 The dog has to be on a special diet. How much? About 60 month? Sevent. anything else that needs to be in your budget that I have not put in. No. Oh, and we're by $1,000. $4,301.59.

Starting point is 01:39:08 Ode, and that's with us getting you a cheaper car. Okay. So, yep, underwater by $1,000. But it's weird with the, I'm still confused how you're doing it with the wife coming in, blah, blah, blah, blah, blah. This is, I'm sorry. Here's the actual probably plan. Listen, if it works by the 70% you take, but you pay other bills with it, you said, which is not calculated here,

Starting point is 01:39:29 which is so confusing. So I'm just going to assume you can't afford it. You're already working. You're already doing DoorDash. Prove for three to six months that you can actually follow the budget, change your lifestyle, change your behavior,

Starting point is 01:39:43 and then go through bankruptcy again. That's pretty much it. Like, you f***ed it. You f*** it. Technically, you can't claim bankruptcy again for seven years. So I'd have three. Might just let your credit card die.

Starting point is 01:39:56 Go to all collections and just, Do some debt consolidations. Take whatever tools you can. Because you can't pay for this. This is done. But you need to change your behavior before you do any of that. For at least three months consistently, no relapses. And that means facing your addiction that you likely have.

Starting point is 01:40:16 Those are what we can do now. That's it. That's pretty much it. There's one thing I thought of. I brought all my credit cards. We can cut them up. That's not going to do anything. These are minimumty payments.

Starting point is 01:40:26 I'm not talking about your lack of spending. I don't give a fuck about that. I mean, yes, that is behavioral change. Congratulations, cool, but you can just reorder them. So that doesn't matter. I'm sorry, you probably wanted to have a moment, but that's not the concern here. All right, I'm going to call his wife in the post show. Let's get his hammer financial score, and then I'll call his wife.

Starting point is 01:40:45 But click that join button to join Hammer Elite for the post show. Spending your budget overspend zero out of ten. Debt, I mean, yeah, I mean, there is. Well, there's the $7,000 a debt I even do for unemployment. Zero out of 10. Emergency phone, nothing, zero. retirement, nothing zero on ten real estate, nothing zero out of ten. It's a hammer, financial score, zero out of ten.

Starting point is 01:41:05 Joyin, hammerle, click that join button, get three premium shows every single day, Monday through Friday, including this financial auto post show, which is an extra 20 minutes of every episode. I'm going to call his wife, and it's going to get juicy. We are calling the wife. How bad do you think it is? How much debt do you think he has? $4,000?

Starting point is 01:41:28 Oh, no. Let's try $133,700. $179. Oh, dear God. You're messing up, big time. Oh, that's funny. Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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Financial Audit - I (almost) Gave Up.. | Financial Audit

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