Financial Audit - I Finally Lost My Mind | Financial Audit

Episode Date: September 11, 2024

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I'm sorry, but yeah. I'm immediately questioning. Is this woman putting out an act? No. Yes. It's not an ad. Then why would we purchase on this card? But we're not.

Get this statement. You were making a point? I was making a point. But your point is incorrect. No, it's not. You push back on everything. Shut the fuck up. Some things just are.

Hi, my name is Amber. I'm 46 based out of Round Rock, Texas. And this is Financial Audit. What do you do for a living in Round Rock? I am a cybersecurity engineer. That sounds like money. It should be. Oh, it should be.

Okay. It should be. I'm not satisfied with my pay. What's your pay? One of my friends working in cybersecurity close friends makes a good amount of money. What do you make? I'm making 84. Okay, well, it's not.

Okay. Well, you know, I think maybe a little higher, but 84 is not. I mean, you're above the median household income for Austin. Yeah, but you got to keep in mind taxes and I'm a single person. Well, no, everyone has taxes. So I'm a single person with no dependence. So that means my take home is somewhere closer to like maybe 50. Everyone deals with taxes.

That doesn't. Okay, but I'm just comparing against, you know, and everyone pays taxes. And some people have deductions. They have child tax credit, things like that. Some people, you know, married, it helps, but. Yeah, I got married and help. Oh, you've been married and you're no longer married.

We are separated impending divorce. Is that the finances at all? Yes. Oh, boy. Okay. All right. Well, how was that messing with the finances? Well, before I got married,

all of my credit cards were paid off. I had zero balances on all my credit cards. And then when did you get married? I got married December 16th, 2023. Oh, that is. Wow, a lesson a year ago. That's crazy. Yeah, we are getting divorced.

I filed the annulment paperwork on June 17th. There's so much credit card dead here. How did this all happen in eight months? He did not have a job. Okay. Why are him not having a job impacting? your credit cards. We lived together.

I had to support the span. Yeah, but you made above the median household income, you. For one person. No, no, no, no, no, no, no, no. Median household, meaning usually two incomes. Not necessarily. Yes, because the median salary in Austin is 55,000. Median household income is 75.

Okay. You make above the median household. Okay, but that was. So you could technically, if budgeted, correctly. Okay, I don't budget. Okay, well, I mean, that's a starting point. So why are you blaming it on that then? Well, because it is his fault.

He used my card. I don't budget, so we don't know where our money's going, but it's also completely his fault. Well, it's not completely his fault, but it is his fault. I had to support a whole other human being. Okay, why was he not working? He wasn't working because he was undocumented. Oh, Rip. Is that why the marriage was being a marriage?

No. Okay, why is the marriage ending so immediately? Because he decided he wanted to send a thing. to some 20-year-old in Argentina. That is a long-distance pick. I wish I knew Spanish so I could ask her if she was satisfied with it or not, because it is, you know, objects appear bigger than they actually are in real life in photos. Have you practiced that one?

No. Okay. That's off the cuff. Wow. I'm full of them. Okay. Yeah. Yeah.

This man. Don't do that, guys. No, definitely. I would not recommend it, especially if you. You have not had, what do you call it, discussions about eating habits and things of that nature. Like, this man literally wanted somewhere to stay for free. Wait, what are you talking about? This man had a four-course breakfast every day, continental breakfast every day.

How did you not know this before marriage? We didn't live together before we got married. You don't want to test the waters first? I will next time you, damn straight. We're doing test drives. How long are you guys together before you got? First of all, I'll be honest. I know the finances here messed up.

I didn't even know marriage was a part of this conversation. So this is like blowing my mind right now. But okay. The T side of me. I know you want to know. The Springer side of me, you know, it gets a little excited. Yeah. How long are you guys dating before?

Three weeks. Okay. What was this? What the fuck? Okay. I will tell you. I will be completely 1,000 percent transparent. I've kind of binge watched too many episodes of Married at First Side.

And what's the other one when you? date in the pods or whatever. I applied for these shows four times. I actually almost got an interview with the producer. I married at first sight, but it didn't quite happen. And so I got on Tinder and I started talking to this guy and I hit it off with him. I thought he was great. He said he had a CPA.

I mean, he gave me his resume. Oops, sorry. Gave me his resume and everything. So I looked him up. He was from Bogota, Columbia, which appealed to me because, you know, El Aton Laval, right? So that means something to someone? So we just got to talking.

We FaceTimeed every single day. And then I started talking about how I really desire to be a partner because one of my, what do you call that, unrealistic fears is going to sleep and not waking up and nobody knows and nobody finds my body for days because I live alone, et cetera. And he's like, yeah, I'm older too because he was 50 at the time. And so it just made sense. We were like, you know what? We're old enough to know what we want. I want to be with you. And I'm like, okay, well, I guess we can try.

So he drove from Washington. Marriage is kind of an aggressive try. Well, we didn't get married right immediately. What happened? He drove from Washington, took him three days to get here. So once he moved in, then it was, okay, well, we're going to live together. Great. I got to add you to the lease.

I have to add you to other things. And then he's like, because then he sprung on me that we were engaged on Facebook. Well, that doesn't matter, though. We didn't, I know. Facebook is totally not real. One, how was that not a red flag? and two, that also just doesn't matter in terms of you didn't have to be engaged, engaged just because he pushed a button on Facebook.

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Listen, I get the fear of growing old without love. That's one of my fears and it's happening. Without all the good things, right? And so. I don't need love for you. You don't, but like, you know, I kind of, I'm stingy when it comes to So it's like I want my to be my. But anyway.

Another 20 year olds? No, they're not good at it. I meant the other way. I'm sorry. So 15 days after he moved in, he's like, let's just get married. Actually, not, wasn't 15. It was seven days after he moved in. He's like, let's just get married.

And I'm like, well, we have to get a license. We got to wait. Are you sure? He wasn't trying to green card this? I promise you, because as soon as we got married, he didn't say. He didn't say. He said he just wanted to be with me. And then every time we talked about our air quote marriage, it was we're working on it.

It's a relationship. And I'm like, no, no, no, no. This is a marriage. It's a serious. This is more serious than that. So you don't know why I wanted to get married, but you're confident it wasn't an immigration marriage. Because he never pushed for a green card. We even went through a service to try to get him citizenship so that he could work so that we could stop using my credit cards.

Did they do any work at all? He ultimately, I forced him to use DoorDash because he was not making any. So run DoorDash? I'm sorry? So he was a runner. Yes, under my social security number. Oh. After he tried to.

That feels. Yeah, I know. Legally questionable. Okay. It gets better. Before that, because again, he was a CPA in Columbia. You do like reality TV, don't you? Because like you're coming on here and you're like, give.

us reality TV. Well, I mean, you wanted to know the story. Yeah. So, like, he was a CPA in Columbia. So he wanted to do taxes. So he signed up for a program to do taxes. This is before tax he's in. Okay. But because he's undocumented, has no social security number. The business is in my name. And I hear you don't pay your taxes on time. On time, I don't. No, no, I'm working on that. So maybe this was a good relationship. Maybe. But the point was that he was supposed to bring money in. I had anticipated him bringing money in by April because, you know, he's starting from zero, but he just was resistant. I mean, to be very clear, obviously you guys got married way too early.

Way too early. It's not even questionable. You didn't even know how many meals he, like, eight. Had I known that alone that this man literally had to have a continental breakfast every morning, I literally would not have married now. And it wasn't true love at that point. You guys couldn't have known. That's hard to know.

And then the dudes out there sending pictures of that, you know, uncut hero. So. It was uncut. Oh yeah, it's from South America It's from anywhere outside of the United States Yeah, absolutely Yeah, it was Welcome to financial audit,

One of the worst mistakes I've ever made in my life But, oh, gosh, I learned a lot Yeah, don't get married after three weeks Before you know how a person even consumes a meal Yeah I don't Most people don't need a lesson for that one Well, no, no

No offense, I mean that is stupid it was stupid okay so you racked up credit card debt because of that I believe how we started that this conversation that is how we got here okay even though we know you make more than the median household

income of Austin and you live in a cheaper suburb of Austin and you make over 10,000 hours more than the median if I live in a cheaper suburb tell me why my rents $2,000 a month oh I don't know what your place is but I know you can get cheaper than that in the suburb you live in with the size of the unit that I live in?

Yeah, no. See? And I bet if you got that same size in Austin City limits, it would be more expensive. Oh, yeah, no. I don't, I have no. So what are you saying?

I have no desire to live in Austin City. That has nothing to do with your suburb. It's the great footage of what you live in. No, it's not. You just said it. Because when I, because the apartment wasn't $2,000 when I moved in.

It went up like every apartment ever. Yeah. What? By a lot. Oh. That's crazy. Rent went up. Well, you know that there was rent fixing happening across the whole country, right?

You do know that. Okay, define that in your terms. There was a company. I forget the name of them, but they basically, all of the apartment communities agreed to sign on with this company, and they stopped sharing globally. Okay. So that's what happened. They were setting prices, and that's owned by a major corporation. Well, I don't want to say most, but I feel like a lot of commercial organizations are buying up residential properties and then forcing

the rent up because they want people to rent. The commercial properties, and it is an issue in general, even still, if you can find BlackRock and all those other things, for their homes purchases, it was like less than 5% of all housing units still in a year. Now, 5% is a crazy number, but it still leaves 95% of all units that are being purchased. So if you're going to use that as an immediate deflection, as of why you probably live in a place that's bigger than your needs need to be. No, it's actually a little small for what I have. How many square footage? 1450. Okay, shut the fuck up. You could live in a much smaller place. Not with what I got going on. What do you got going on? I have a candle business going on. Okay, then get a storage.

No. AC storage. So the solution to me getting less expenses is to add another expense? By cutting your apartment and half price wise and getting a $25 storage unit? Yes. It's never $25. 50. Listen, if we can save $1,000, you can spend $500 on a super storage unit, and I'm totally chill with that. You still save money. Do you know how math works? Well, no, not really. I'm really not good at math. Okay, fun fact, $1,000 is more than $500. What are we doing here? What, okay, so you're an interesting, interesting one.

I'd like to think so. How much is coming in from the candles business? $0.00. I haven't launched it yet. Everything's been in preparation. So we're paying for the space of the what we have going on. is making nothing. How long have you been doing this? I've launched it, but how long have you been doing it? I've been perfecting this for the last two and a half years.

Okay. Get off the toilet, dude. Well, you got to understand. With candles, you're sending a container that can burn somebody's house down, so you kind of want to get it right. Yeah. Does it take everyone else two and a half years? It can take people longer than that, actually.

Okay. Yeah, it's more than just melting some wax, putting a stick in there, it works. Like it's complicated. Yeah, you don't pay your taxes on time. You have an horrendous credit card debt. I see late payments in here. I don't think we're taking two and a half years to launch something that's not making any money and might not make any money. I might keep my gift. Oh, is it a candle? Yeah, I brought you a sample. May I see? Yeah, sure. Let's see. Let's see. Okay. Thank you. I appreciate it. I appreciate it. Well, it burned down the house

or has the two and a half years giving us enough. You're going to have to unseal it. It's very heavy. Is this One candle? It's two, actually. I brought you two of the cents I'm launching. Well, thank you. Launching when? Next month. Okay.

Are you here just to advertise this? No, no, no, no, no. I promise I'm not. Okay. What do I do? What am I doing here? I don't have a key. Product suggestion number one.

I want to be able to open the product. Because, like, you know, this is... She has scissors. These are the cut-up credit card scissors. That's not a joke. They are. They're literally sitting there for, that purpose.

Okay. Whenever someone decides they want to be an adult. Okay. Wow. I'd love to be able to get to the financial audit at some point. This is a nice design. This is very pleasant looking. Thank you.

Green ego. Smells nice. Thank you. I don't know what it is. It's not a smell I've ever had. You're probably identifying the patricker. What'd you call me? No.

No, the scent note is Petricker. Petricor, Petricker. Sure. I'll take the other one. I do like that. It is like, you know, you've got the clean black, the clean white. Look at the design. That's kind of cool.

Make sure the camera can see that. Let me smell this one. This one's cell centered. Self-centered, yes. Self, yes. Oh. Not for you. That's not your fault.

but whatever that smell is, I hate it. Okay, that's not your fault. I've smelled this in other candles as well. Oh, really? And I find that smell unappealing. Horific. Is it the Jasmine? It could be the lily.

It just smells like, yeah, I think it's the lily. It smells like just like, like I'm going to, old lady. What are these? That is on beyond spray. Okay, this one, we're burning this one.

one. This is the Lily one. This one's going away forever. Okay. Well, thank you. I appreciate the guess. And listen, for what it's worth, the packaging is very nice. The first one smelled good. The second one smells good for other people who likes that smell. You know, I'll have one of the other employees take that smelly. The one that you don't like. Yeah, the retirement home one. Yeah. Okay. Well, let's talk more about the business in a little bit, but I want to get into your finances. Okay. So, income. Mm-hmm. I'd payroll of $5,357.

Is that not about right? Yes. Okay. Are you a part of any other business ventures or is this sick? Because you, it's, I'm like, you just have that vibe of you're just all over the place. I'm glad you're picking up what I'm putting down. Lots of places can expose you to identity theft. Oh, no.

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Wait. Okay. What were you trying to do a nonprofit? You're not in a place of a nonprofit. Not at all. What was it? I'm going to tell you. So what happened was I saw a posting online from somewhere where I get my relaxation

items. And they were looking for people to co-invest, not co-invest, but like do their own turnkey startup delivering. medicinal supplies to individuals. It was supposed to launch at South by Southwest this year. And I did not do enough investigation or research into the people that were trying to put this out. I invested $1,000 in that. And my husband was not on board with it because you guys didn't even know who each other were.

Right. And so as the time approached for us to actually, oh, I'm sorry. How did you find out he sent a shlong over the waves of cellular? I had access to his phone and he had access to my phone as well. Okay. We were transparent with one another. Is it just one? It was just one that I found.

Nott-notty. But yeah. So the person that I was supposed to be going into business with, I called them like the day of South By and I'm like, hey, what's going on? What are we doing? Am I running? What am I doing? And he's like, you were supposed to be up and running by now. don't know you buy. And I'm like, but what about my money? I'm like, I gave you a thousand dollars.

A thousand dollars is a significant amount of money. In terms of the grand scheme of life, a thousand hour learning lessons, okay. The 2.5 years and the marriage thing, that's a little much more impactful. A little different. Okay, cool. So we have the income, 5,357. What do you think was spent? What do I think was spent? Oh, yeah. All of it. In the same month. In the same month, Give me a number. Come on, dude. This includes debt as well.

Oh, debt? Well, yes, it is money. Minimum payments? No, no,

no, no, in terms of like that you're putting on debt. What am I putting on debt? How much you think was spent in total

across every account in the same month? The exact amount of money that I pulled in. Okay. How about double? No. Because it was literally double.

No. Yeah. Whether it's taking out new debt and we'll find out, You know, it's anything, but that's the money that was, like, gone against you. So I pulled in 5,000 but spent 10? There was an additional 1,300 that came in through Zell, but even still, it's not even close.

Yeah, and then $10,597 and $0.56 was spending. No, nothing came in that was $1,300 through Zell. $1,300 in total. That went out. We had, no, we had in. Well, look, but that's what we have. People are always confused about their own statements. Well, because that's that's therapist.

I pay my therapist. $1,300 a month? Not, well, maybe not. Huh. 65 books a session, one session every week. No, it's not $1,300. What are you talking about? You obviously have never budgeted in your life.

No, I didn't. And you're trying to start a business and you don't even know how to budget. So go through the budgeting program. Please, for sake, go through the budgeting program. Take all the quizzes. Go through the education. You guys can get it now at a discounted

price, 15% off, by the way, bundled with the investing program where we get $100 in cash, into your mu-m-m-m-m-a-counter for fun. Okay. To buy mum-moos with. Hmm? Nothing. Hmm? Hmm.

I said to buy mum-moos with. I don't know what that means. Because you said you get $100 in your mum-moo account to buy-y-m-m-m-with. What's a mu-moo? It's like a very large dress for a very large person. Oh. Sorry. Okay.

Okay. Sorry. It's fine. I just, I've never heard. I'm not a, I'm a big woman. Men wear them two. You said woman, dress. Men wear them two.

Okay. 600 pound life. Okay. I just want to get into the finance. Okay. I'm sorry. I'm sorry. Well, I'm happy to always go down rabbit holes,

but you just throw me down every rabbit hole that my brain just immediately is just like, my brain kind of works like that. Okay, okay, okay. What's your hammer? What's your financial score? Self-assess. What do you think?

Zero to 10. Zero being the worst finances ever, 10 being the best. Negative two. Okay, that's not possible, but whatever. If you watch your hammer financial score, it's free, link in the description below. Also, feel free to come on the show, guys.

If you have interesting stories, hopefully less interesting because we're 22 minutes in and we haven't even talked about a statement. Go to Caleb.com. So, my, okay, quick, silver. So how'd you go into debt to fund this marriage? Because he wasn't working even though we know you made $10,000 more than the area for the household for two income. And you live in a cheaper area and your rent actually fits in your budget, fun fact.

So how did the debt get up in eight months from zero, huh? How'd this go? Capital Quicks over one. Did not make $10,000? I said $10,000 more than the median household income. Oh, I'm so sorry. Sorry. So, yeah, he spent it.

So you gave him access to your credit cards. I did. You didn't even know the man. I was married to him. Trying to be a good wife. Good wife? Is good wife enabling bad behavior of a partner? I'll ask my therapist.

I would. I mean, well, first of all, the answer is no. Like, if I had a wife and she was just like going into an immense amount of debt, like, that's not me being like, oh, I'm a good husband letting my partner going to debt. That doesn't make any sense. Well, I mean. In what world does that be in a good partner? He had continental breakfast every day. Okay. What does that mean? That's like the millionth time that you brought this up. Okay. Like four pieces of toast. Okay. So four pieces of toast. Okay. So four pieces of toast.

To start, what is that? Two slices of bread. If you cut the toasting half. So four slices of bread. Okay. Four slices of bread. So you get a loaf twice a week. Okay. Go ahead. Keep going. That's not crazy. Not yet. three eggs Also not crazy With whatever cheese he decided at that moment fruit Sometimes papaya Cheese what a crazy guy

Okay keep going Sometimes he would have papaya And then orange juice and coffee Had to have both That's in every movie and TV show ever Exactly I didn't think I was I'm gonna like live it every single day Dude likes his acids

Yeah Was that it? Yeah. Okay, he ate a very diverse breakfast. It's a lot of food. Yeah. But you made it sound a lot more extreme. Oh, well.

It really was. And that's also not a, I don't think that's how we, I don't think that's how we, I don't think, I don't think, eat breakfast. Okay. So for him to have a continental breakfast, like we live at a hotel is ridiculous.

That was not a continental breakfast. Yes, it was. Okay. Lady. I don't think that's why, $40,000 a debt was added over a year. No, no, no, no. So I don't know why you're bringing up.

A lot of it was a cannabis. What is this? Wax is expensive. Fragrance oil are expensive. Vessels are expensive. Branding, labeling. So we're deflecting all. No, don't get me wrong.

He obviously did wrong with the strong to the lady. He did wrong. You guys both did wrong on the marriage. But why are you immediately blaming him on the finances? Because it's when obviously the. debt was for the wax. No. And not the marriage waxing. No, because at the time that we got married, all of those supplies had already been purchased. It was literally after that. I just said that the breakfast isn't what added 60,000 hours of debt. You're like, but it's the candles. And now you're

saying it was the candles before. So make up your mind. Which one is it? Because it's not $60,000 that was in a year, Caleb. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Mu-mu, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund,

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and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up the free money because I'll punch you. But you said the credit customer was zero before. I have a total credit line of $8,000. Okay, all the other credits. So, okay, so where all the other debts existing then, every other debt was existing, including your 401k loan? Yes.

Why do you have a 401k loan? I needed money. Four? Because you make money. I ran out. How? Oh, my gosh. I don't know.

I just, I don't get, I don't. I'm like, I'm being honest. I really don't know. I don't know where my money goes. I don't budget. We talked about that before. Yeah. I don't budget.

Yeah. Oh, boy. Oh, okay, okay. Yeah. Cool. So the quicksovers at $2,060 and $96. Yeah. Credit limit is $2,000.

I know. I'm over budget. Or over the limit. Oh, you do know something. And $72 a month is the minimum monthly payment. Because I'm over the limit. Yes. Once I'm reduced, not over the limit, then it'll be a little bit less.

But I probably will still continue to pay more than that because. question yes perhaps if we are trying to get below the credit limit yeah what's my question no i'm like really you don't know what my question's about to be why am i paying the minimum is that your question why the fuck are you possibly purchasing on this card food amazon look back to my question i'd like you to hear it again why the fuck are you probably possibly purchasing on this card. Well, I can't make any more purchases on it because I'm over the limit. But before it got over the limit.

Absolutely. Stop for a second. Okay. Just stop for a second. Are you being serious? Yes. Are you legitimately because, like, that kind of delusion doesn't seem realistic to me. I'm sorry, but yeah.

And the fact that you've mentioned loving Love Island and all that, it's just like, I'm immediately questioning. Is this woman putting on an act? I did not mention Love Island, first of all. The other ones. Married at first sight. Sure. So, no.

It's not an act. And no, like, I don't budget. I've admitted that like many, many, many times. I don't budget. And I need to. You said, you know this is at the credit limit. And you want to get up below so your minimum fee payments are lower. Then why would we purchase on this card?

But we're not. This card. We're not in this statement. In this statement. This statement. We're only talking about. about the old hey hey no we're only talking about the statement that exists yeah and if you look at it what purchases are on the statement Caleb there aren't any purchases on that statement because the card

was over the limit true that's not true i have the statement literally in front of me so i don't know what the you're talking about tell me what i bought door dash and something on apple yeah door dash that's more important than having lower than a card didn't i say food and nine 99 is it did but you just You just told me, oh, this conversation is going to push me to my limit. I can already fucking tell. You just told me that there was no purchase on the statement right in front of me. Then there obviously is two of them. And one of them is the DoorDash, one of the most expensive ways to get food ever.

So what are you talking about? Well, you made it seem like I was charging while it was over the limit. And that's not accurate. I specifically asked why if we are trying to be below the limit are you spending on this card as in you pushed yourself into the limit and then the interest pushed you over why are you pushing yourself to the limit on this card that was the card that i had money available on okay fun fact we probably can't afford door dash then okay it was either that or food oh my it was groceries uh groceries so would it would have been better to say hb yes because that amount of money

at H-EB could stretch further. That could get you two meals instead of one DoorDash. That did. That was two meals. That could get you four meals instead of two DoorDash. Have you bought eggs lately? You don't have to. Oh, guys, hey, fun fact, fun fact.

Go walk into a grocery store tomorrow. You'll find that the only thing they sell there are eggs. No, I'm just saying if you're, if you periodically go to the grocery store to buy necessities, $25, because that's the amount that we're talking about for DoorDash. It was $26 of some change. That is not going to get me four meals. It's a example because it's meal prepping.

There's $25 here. You take that. That's close to 10%. 10% of the monthly budget I am able to get you to get three solid meals a day plus snacks in a healthy caloric way. On $25. That's almost 10% of a monthly budget. I can get you. I get, oh my, do you understand what $25 is 10% of?

$250. Okay. Also, age. You can get a dozen. Double age. $4. Yes. $3.80 something.

$3.40. See? So, like I said, like it's either that. So, congrats of $1. I don't know if you know this. Oh, I'm legitimately very angry right now. Am I angry because of something before this episode? Probably not because nothing happened.

But I'm angry. You are pissing me off. You could get seven and a half dozen. dozen eggs. Seven and a half dozen eggs. I'm doing like fucking Trump hands right now. That's how pissed you're making me. Fucking fantastic eggs.

The most fabulous eggs. You could have had so many eggs. And you could have the meals, the scrambled eggs you could have had in just your example. Because eggs is what you care to bring up when I push back on DoorDash. The dozens of eggs you get a had. Because all I want is eggs, right? Huh? Because yeah, all I want is eggs.

It was your fucking example. That was an incorrect. But I was trying to make a point. You were making a point. I was making a point. But your point is incorrect. No, it's not. It objectively is.

We just went over how. How? How? In what fucking way? Because your statement was, for the amount of money that I spent that day on DoorDash, I could have bought four meals. Yeah. Seven and a half dozen eggs could stretch further than four meals. Nobody is going to eat that many eggs.

That's your choice. Nobody's going to eat that many eggs, Caleb. Oh, great. So it's eight meals. that's not good for your cholesterol. It's a How are you, how have you existed? Are you on blood pressure medicine?

This is, I probably should be after this conversation. This is probably why your business hasn't launched in two and a half years of trying because you don't know how to think through anything critically. That's ridiculous. $25. Okay. Okay. Ritissory chicken.

Boom, there's a meal. $5. H-E-B. You could go get the little meal. They have the meal prepped meal. or they have the frozen or refrigerated meals. I have never seen a rotissory chicken for $5 at H.E.B. Okay, then you've just never had eyeballs.

I don't know what the f***. Are you saying it? Okay, yes, I have. It's right here. Are you kidding me? It's literally right here. What are you talking about? How do you?

You push back on everything. Shut the fuck up. Some things just are. Some things just are. Okay. Oh my gosh. Maybe I just prefer to have a salad that day. There it is.

It's a preference. There it is. You should have said that the whole damn time. That's all it was. It was you wanted. You wanted. Okay. You could have done better.

You chose not to. So why are you arguing this? I'm not. Capital one, regular one. $1,3008. And 50 cents. It's a $47 minimum of the payment. Oh.

We're over the limit again. Yes, yes, we are. Oh, you want a salad? You could get one for $5. Southwest chicken entree salad. Very nice. Ooh, chef entree salad. That's $5.

$0.72. from $0.72. And so does accruing. Paid a little more than the minimum, trying to get it under. Capital One, Walmart. We're addicted to Capital One. Sorry. I want to calm down for a second.

I want to know. What do you actually hope to get out of this conversation? Because I think one of the reasons why I'm pushed over the out of the ad train now is because you just feel like, oh, you want to plug your candle company. You want to get a little bit of attention. You've wanted to be on reality TV and want this, and it's pissing me off. What do you hope to get out of this conversation? Well, I came on the show because I need help.

I am 46. I'm closer to 50 than not. And I'm running out of time to get my financial stuff together. because retirement is something that's never going to happen. What's the help you're hoping? I'm hoping that somebody can help me create a usable budget. My issue with budgets is there usually don't buy anything. You don't need to buy anything because you're so much.

You're in debt. You're so poor. You don't need to get anything. Eat air. Okay. And I'm not going to do that. You make a lot of money. You know what I meant.

I'm not going to do that. I'm not going to work to spend every dime on bills that will never happen in my lifetime. You might never get out of debt. And honestly, with the student loan debt that I have, I kind of had already resolved that, but, or resigned to that fate. But what I do want to do on the student loan part, yes, absolutely. But I feel like I can turn the rest of my financial situation around. And I want to do that.

I genuinely want to do that. But if you're not willing to cut. The candles was a gift, by the way. So to say that I'm here to plug my candle company, no, that's not right. Because I didn't even mention the name of it. Just makes me a bit nervous. If it was about that, I think I would have mentioned the name of it and the website and all that kind of stuff. And I never did any of that.

So I'd appreciate an apology for that. Thank you very much. No. So I film four to five of these a week. So I've seen a lot of different people try to come on here for a lot of different reasons. Many episodes we have not uploaded. Okay. Fair.

And this resembles a lot of them. And that's what upsets me. But I am going to treat this regardless as you genuinely want. I've given myself a chance to take a deep breath. And I, your situation is scary for your age. Yes. Yeah. All right.

Calm down. I'm trying to be, trying to bring us back into happiness. Well, I'm just saying, like, I don't appreciate the accusation. Because if that was the case, like, I could get berated by, you know, anybody else and actually plug my candle company that hasn't even launched yet. Well, no, you didn't get accepted to be on any other show. But the thing is your retirement's at 10,000, but you have a loan against it for 8,000. That's what scares me.

It scares me as well. But you just specifically told me that you're not willing to cut back. No, I didn't say I wasn't willing to cut back. I said I was not willing to eat air for the rest of my life because I'm in debt. Oh, I don't think about rest of your life. We're talking about temporary sacrifice here. That's what this shows all about. I'm not willing to do it for a year.

Six months, maybe. Actually, no. Air is not sustainable. It's not nutritious. Okay, well, obviously we're not going to do that. I'm given to give you a $300 dollar grocery budget. Okay. You can follow our meal plan.

Okay. That's fair. I can do that. Who would say don't eat? No one practical. Dave Ramsey says that. No, he says, Bange and Rosh.

Bange and Rosh. I'm Dave Ramji. That's what he says. That's still food. He's like, you can't go out. I'm like, that's not enjoying life. No, no, no. But why do you think you're entitled to that?

Because tomorrow is not promised. I could die tonight. I could get struck by lightning when I walk out of this building. You're right. That light could fall on me and end it. Absolutely. You are totally right. So we may as well sacrifice for the higher percentage that tomorrow is going to exist

because if you get struck by lightning tomorrow, you won't know that you suffered and sacrificed. It won't have mattered anyway. So do it. Be an adult. That's what I say. Okay. But, no, he says, you're never going to see the inside of a restaurant unless you're working there. I mean, obviously, that may.

Makes sense. When we're talking about per portion per calorie, you are spending more at a restaurant than if you're eating at home. When we're talking about not going out to eat for a little bit, it's so you can take care of your debt. It's because fast forward 20 years for your life right now, your retirement doesn't exist and you'll never be able to retire. So I don't give a fuck if you feel a little upset that you're not eating out for a year. if I get you to a point where you're able to retire. If I'm evil for that, fine. I'm evil because I want someone to actually have a chance at retirement. Oh, no.

How horrible. I think it's literally, first of all, you're trying to be a business owner. No business gets to any point. I didn't get here without sacrificing different things. No one gets that. But you're someone who's putting their sacrifice on a time limit of six months, and you have total debt of $229,544.

A lot of that being a mortgage, but that is your total debt. No, it's not a mortgage student loans. Oh, kill me. Capital One Walmart card. Let's try to get back to this. Okay. He used that exclusively.

Oh, and it's the smallest balance. That's why I let him use it. That's why blaming him for all of the credit card debt. No, no, all the credit card debt. You said the credit card debt. I did say I was out of debt before I got married and now I'm back into it. I did say that. You're absolutely right.

This, what are you? What are you? What am I getting from this conversation? This is banter. Now I don't even know what's true anymore that you're saying because this is objectively been false. I mean, if I knew where he was, I could have had him here, but I don't know where he is. You're now an unreliable narrator when it comes to your own finances because you completely lied how the credit card debt was formed. No, I didn't lie.

I misrecollected. That's different. By a lot. By thousands of dollars. Buddy. Friend. Bestie. This is at $209. She said this is his credit card.

The card for cards that we went over before this were at $2,1,300. So I don't know what the fuck you're talking about. Of course, this is basically at its credit limit. Interest is accruing. A payment was made. I think I hit the table. too hard. Reset your ambiance with the ambiance. I don't think that sets nerves. I'm sorry. It's okay. Just going to massage my wrists. Okay. Credit union. Okay, so you have a line of credit

to the credit union. Is this, is this? I've had that line of credit for like five years. Oh, wonderful. Yeah. What's the max you're allowed to borrow with this? $2,000. Oh, wonderful. So it's been at probably max out for the two years. Correct. Wonderful. So, so. So, A plus debt, I guess we'll call it, A plus debt, it's the credit union, is at $1,960.23. With the 12.9% interest rate, better than all the other credit cards, still absolutely horrendous. For example, you know, I don't know.

I don't even feel like going. What? No, tell me. You're not going to beat that. You're not going to beat that interest rate in the market, so we would want to pay it off really. Okay. Okay.

Ally. Mm-hmm. This is the episode where I finally lost it. That is a new credit card. People have always asked, and I've asked myself as well. Two and a half years into this thing, what's the episode or I'm going to lose it? I've lost it. It's happened.

We've reached the moment. Can I help you get it back? No. No. No, not you. There's nothing I can do to help you get it back. Not you. Okay.

I think you're the one that made me lose it. Oh, well, then I feel responsible. No, it was some It was some teamwork I think Teamwork makes a dream work You want to talk about My ally card now?

Oh I'm just Or do you want to skip it Because it basically looks like the others No, that's not how the show works Okay But I'm just nervous of us teaming up Because the last time you teamed up

Your blood pressure No, it ended in eight months It technically ended in the second month He just Really? I couldn't get him out of the house Because he was on the lease What does the future hold for your business? Ask nine experts and you'll get 10 different answers.

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I put him out to a hotel. He called the police. Called the police. He called the police on me because I locked him out of the house. And the police told him what I did was not illegal. And he should spend the night somewhere the hell else. And when he came back, he was resigned to the second level of the home. That's where he lived for the next month and a half until he finally left.

Okay, you have two floors. You don't need two floors. You can live in a cheaper place. Candles don't need another floor. All of my candle business information inventory slash stuff is literally in my dining room. And you definitely don't need two floors. I eat on my couch. But the upstairs is my bedroom and my home office because I do work from home.

Oh, okay. So we're double officing. That's wonderful. I'd do both out of one or work from the couch. It's kind of hazardous. So because of you have to keep things to a certain level. But you keep it on the dining room table. No, no, no, no, just to cool it.

To heat the wax, that's in the kitchen. So the entire island of my kitchen has like melting pots. All I. Is that $259 and $25? Again, basically maxed out. $27 minimum payment. Yeah. Oh, we're purchasing wonderful.

What are we getting? Food. Yeah, tips, treats. It's cookies. LinkedIn premium. Yes, because I was trying to find a new job. Okay. Yeah, I mean, in your first.

field, you could make more money. Again, you're not making an insignificant amount of money. Obviously, you just don't know how to manage money. Correct. I admit that. I admit that openly. That's why I'm here. Yes. Okay. That's why everyone's here. Okay. Easy. And yeah, $20 of cookies. The sugar cookies from Tiff Streets are pretty good. Unfortunately, Tiff Streets has gone downhill. Quite dramatically, this last few years. I was a little obsessed with the ones that they have with the fancy middle. Like they had a peanut butter with a raspberry jam in the middle.

Sounds good. I'm going to give them a shout out, though. Tiny's milk and cookies. Go there. Have you been? No. Oh, go there. I think it's just a small local place.

It's really nice. It's off of Mopac. I have your permission to go eat out at Tiny's Milk and Cookies? If you go find another man that you're going to marry in three weeks and he pays for it. And then you went to 7-Eleven and got some bowl. I got gas at 7-Eleven. Okay. Very little.

I don't drive anywhere. Okay. But you don't, you fill up your tank when it's like three-fourths or something? I fill up my tank when it's at a quarter and then. Okay, then you only put in an additional quarter. Yeah, because I don't go anywhere. Okay. It's a 31%.

Hey, oh, yeah, y, y, y, y, oh, y, y. One thing I could do at least help you. I think, I think course careers has some cybersecurity. Really? Certifications. And I can gift that for free. Okay, because I have, I do have two octa-stop. certifications, but they have not really helped me get another job.

I guess anything that just boost the resume, you know, the more the merrier. So let me look into that, though, because they have certifications for so many things. Let me remember. I appreciate that. Oh, wow, credit one. That's when we really know we're in a bad situation. And that is another one that he did use because he had some dental work done. We used credit one for dental?

And he had a physical. And he had a colonoscopy and he wanted a vasectomy. But you guys were married. Did you not get him on your health insurance? Yes. He is on my health insurance. These with the co-pays or trying to get to the deductible? I have a $5,000 deductible on my health insurance for the balmy price of $180 every paycheck.

He's probably still on your health insurance. He is until I get my divorce decree so I can remove him. Are you almost there? I'm waiting on the court date. I've sent all my paperwork and it was accepted by the court. I'm waiting on the court date. Eagerly wait. Oh, I thought she said E-girl.

Okay. I was like, whoa, what's happening? Okay. What was in my mind? Oh, $4333 a purchase on credit one. Also got his suits dry cleaned. Because he was going to sell life insurance. You know, he was obviously just marrying you for like money or something.

I see that now, yes. Did you guys have like good, healthy activities consistently? No. Oh, okay. Okay, he was marrying you for the money. I'm sorry, he was married you for the money. I know. I know now.

Which is actually, I will, after rounds of roasts and things back and forth, I will give a compliment. You absolutely look fantastic for your age. So, like, I think we could find you someone very pleasant who isn't bad. This is, this is, I will say this on your show. I am perfectly willing to relinquish all financial responsibility. responsibilities to my husband that can manage our finances. Is that what you want?

I'm not good at it. I'm just not good at. Give me one card. Put whatever he thinks is necessary on that one card. Do you want to be like a trad wife or something? What's happening? I'm sorry? I want to be like a trad wife?

I feel like this is like a theme. No, no, I have to work. If I don't work, I get really bored and then I start buying things. But you want him to like control the money? If he's good at it,

absolutely. I will relinquish that because I'm, I suck at it. What's do Sierra creations? That's, okay, those lovely lids, that's where I get those from. Oh, okay. It's expensive. Okay, I want to, oh, let's, ah, shit, I want to talk about a million things.

Okay, let's go back to the candle for a bit. One at a time, sure, mm-hmm. Okay, what are you sell? What is your product line? Candles, ambiance spray, and bath salts. Walk me through the price of this. That is a $45 candle. Whole, wait, no, no, the price it takes for you to make it.

Oh, to make it, $15. Okay, what does this lid cost? That lid. Per lid. I'm sure you're ordering in bulk. I do order a dozen at time. They're $30 a dozen. I'm horrible at math.

I like the smell of this one. I really do. So whatever that works out to be. Like, I'm really bad at math. I don't know. So you think these are 15 to make? I have it in a spreadsheet at home. I don't have it, like, right here.

Yeah. It's $15 because the vessel costs. Trust your spreadsheet. Well, because I have to put in what I buy the lids for and then I use one lid. Then I put in the amount of- Yes. Now. That candle is 15?

And then is the customer going to be covering shipping? No. Okay. So shipping's going to be included on your side. And obviously these has half, that entire box was very heavy. Very heavy. But keep in mind you had four products in there. Yeah.

Okay. Well, can you buy just one though? Yes, absolutely. Okay. I mean, shipping this within itself. this is like, you know, this is dense. It's probably because this is like real glass, yeah? Yes, it is.

Yeah, it's, well, it's very heavy. And that's going to eat into your margin. So I guess that's why you have to charge it as such a premium. But it's also a very long lasting candle. Okay. Which is fine, but like, that's expensive, though. You know, it's expensive. That's like a lay lava type price.

Okay. Oh, that's not necessarily a bad thing. It's just, I don't know. When first getting started, because you have to have that price in order to generate any kind of profit because of the shipping costs, it just makes me a little nervous. What I would like to do is a subscription model to where they send back the empty vessels and I give them another one for it and they get it at a discount. So it's only like that hefty up for them. So you're paying for their shipping back too? Yeah.

Oh, buddy. Okay, that's going to be expensive. So that means the subscription is going to have to be. be expensive. So your launch, what is your launch plan? Huh? Your launch plan. You mean like where?

How do you plan to launch this? Online. So you just click, I have a website. Go live? I have a website. That's all your plan is? No, I have influencers that are going to help unbox and promote. Go on.

Like what? On TikTok. How many followers in total? across all influencers. Oh, I don't have that many fault. Oh, for the influencers, there's at least $500K. What have you paid?

They get a candle. And they're doing it. Yeah. $500K across the board? Yeah. What are they getting consistent views on a monthly basis across each of them? Oh, that I don't know.

Well, at least it only cost you a candle. But if you were paying for it, I would have been upset if you didn't know. Well, hopefully that's good. Actually, that's a cheap way in. I'm more curious about their views and seeing if it actually leads to anything. You're not going to do any paid marketing in terms of like Facebook ads, Google ads.

I thought about Facebook ads, but I'm not 100% sure where to go with it just because. Facebook ads are pretty good if you can really dial it in. And they're pretty cheap too. Okay. I'm open to that. Because, I mean, I obviously haven't burned this, but, you know, just smelling this here, the feeling of it, the look of it. I do like this.

Thank you. And just in general, just my, the instant, you know, off the cup. What about a pop up? Well, actually, even better, you know what they have all over town. There's the little markets. But it starts building your in-person customer base. You're right. That's how I started enjoying, obviously it's not a pop.

That's how I've started enjoying some local products. My fear is the integrity of the product because it's wax and it's Satan's balls hot outside. I don't want things to melt. Other people do candles, though, at these markets. I go all the time. And then I don't have a table for that. I need to have. We can get a cheap table.

Okay. And then do I need a sign? Yes. You'll probably have to invest a little bit of money into it. But again, you're just getting in front of customers. Yeah. In front of wanting customers, too, because people go to the markets to browse new products and support local businesses. Okay. I'm not saying that is the first, that's also a great place to get customer feedback to tweak before major launches as well. I almost actually wish you did that for about a month or two before a full launch.

I don't like that this is like kind of sticky. Hmm. That would be my only negative feedback because I don't like that. It's sticky. The negative feedback of the smell of the other one's not fair, which is because I just don't like that smell, but. I understand. Okay.

This, you know, be honest. You just like, pss, p, p, p, p, p, p. Okay. Now, let's see. So the credit one. You did the, the, the, the, okay. Here's the thing about the business. Let's keep talking about it for a second.

Okay. If you're funding the business and inventory, on credit one out of all the debts. This is essentially like the last step before a payday loan in terms of how bad credit one is. This is like the worst credit card you can get out there, the monthly fees, all the shit. These show up in the mail, and that's how you get them.

And you're funding your inventory based on that. It's at that point, I'm almost not even doing the business if I'm funding out on credit one. That means you've pushed it to the absolute limit. Yeah. Plus two and a half years. What have you been doing? And then there's also an apple bill on there and then the flaming candle.

What's that? That is a candle supply company. So I get fragrance oils from there. Like there's various things. And then your energy bill? Yeah. Under credit one? Yeah.

Okay. How long do? The launch after the launch after the launch is. you might for the influencers if it goes well you might get a little bit in flux but then it dies down consistency and profits and that that might take a long time to get to how long do we allow what's the runway on this on using credit one to fund inventory what's the runway on your business that you're going to allow yourself before we finally just cut our losses and say that okay our retirement is literally zero because we've borrowed against all of it and we're almost

50 at that point what are you allowing your runway to be because that's terrifying yeah i really don't want to give up on it because i put too much into i know you don't want to but what runway are you allowing yourself and also that sunk cost just because you've lost money into it doesn't mean we need to lose money forever on it granted so what have you a lot have you given yourself a cutoff yeah like six months so it's a time thing yeah okay but it's not a once i launch i sure which is If I haven't sold anything, because this is the thing that in my mind, I don't anticipate generating a profit because it's, you know, you got to like put whatever you make back into it to buy more materials to make more things.

Yeah, you got a fun. And so like, purchase orders for this kind of stuff. Yeah. So like I don't anticipate generating a profit, but I'm trying to give myself at least six months to actually make sales. I'm just a little concerned that this is a hobby that's gone a bit. it far. Okay. Fair. Fair. It's taking a long time, a lot of debt, and we're funding it on credit one. If it was like a business, small business loan or even a personal loan, it would be like,

okay. I'd feel gross, but... I don't think I can qualify. No, not at this point, not at this point, but before the credit ones, maybe. It's our energy bill on credit one. So I don't even know if I said the balance, but it's $415.33 with a $30 minimum payment. Oi. Oe. they oh good we have another credit one credit one number two there's three total oh okay one thousand six hundred fifty five dollars and sixty eight cents oh i thought i saw past two for a second i was about the thing this is the fees because credit one always has fees protection express payment fee what even is that whatever fifty eight down a minimum out of the payment thank you for not purchased justine you probably can't it's at the limit isn't it yeah it's

basically at the limit. Oh boy. Oh, yes, credit one number three. LinkedIn premium on here as well. Two LinkedIn premiums? Not in the same month. These statements are all from the same month.

Well, the dates. One was, because one was paid. Oh, I know what I did. So I upgraded the LinkedIn premium so that I could actually send emails

to recruiters because I was, you only get like five or something like that. And so if I, when I upgraded, then I got 15. if that even works. No, so I didn't renew. Purchases and it was that.

And then, of course, there's unlimited fees because it's credit one, minimum fee payment, $53, and the balance is at $1,052.97. Ooi, oy, you can't, you're not a card person. You need to use a charge card, like the FIS card. Something where you, yeah,

well, essentially where you put the money on the card, you can only spend what you put it on. Secured cards. Okay, what are these? Yeah, secured cards as well. Charge cards, secure card. Charge cards are more like you have. to pay it all back by the end of the one.

Like it forces you too. Okay, what is this? Well, now I know what online divorce.com is. Yikes. We're overdue two payments. Yes, we are. So. We're in collections for the entire balance right now.

Your marriages and collections and the divorces and collections. Yeah. My goodness. Yeah. Big mistake. I regret it. I have regrets. Yeah, but what, just why aren't you paying?

I'm sorry? Just why aren't you paying? name this. I don't have anything extra. I'm not prioritizing it. I'm not. I don't have anything extra to prioritize that. Okay, you spent $697 and $6.333 on miscellaneous BS, which is essentially just endless crap. And then $156 on subscriptions. So that is incorrect. You do have extra money. You're just spending on going out to eat and shut it on your throat. There's going out to eat and there's also taking care of my cat that I had to put down recently.

That was $800. That's probably somewhere under Miscellaneous in there. No. No, it's not. I said miscellaneous was 600. If it's 800, it wouldn't be in that. That doesn't make any sense. Also, going out to eat is not putting it on a cat.

That's true. True, true, true. I'm sorry. I'm sorry that happened. I love cats, love dogs. I love every animal. And I'm really sorry because that's like one of the hardest days. That really is.

But that was not the expenses I was calling out. that is a necessary expense. I didn't call out necessary expenses. So you did have money left over. You were choosing to DoorDash. It was $641.50 on DoorDash alone in the month. Okay. It's laziness.

You're lazy. You're lazy 46-year-old child when it comes to your food. Okay. That's fair. I don't like to cook. Yeah. Well, there you go. That's being a baby.

And I don't think we get to be a baby when we have $0 in retirement because we've leveraged against it. Sorry. I have no comment for that. Yeah. Doesn't mean your baby in every aspect of life, but in your food, you absolutely are. So we owe. And you said this is in collections now, officially?

Yes. Internal or like they sold it to a collection station? I believe it's internal. Okay. So you owe $199 and $50 to online divorce. All together. Okay, so it's 300? Yeah, like $3.

Something, $3.90 something. I forget. Okay, so 400. Okay, 390 online divorce. Can I ask? This is going to be personal. This is going to be inappropriate. It's going to involve, uh, uh, uh, uh, uh, uh, uh,

did you guys, I just, I'm so curious about this marriage. Did you guys ever consummate once? Yes, absolutely. Okay. Not necessary to know, but. You were curious. I think. Very intriguing marriage.

Yeah. So I want to like know if you guys even, like, touched. Yeah, we did at first. At first? Mm-hmm. It was three months. What's at first considered in three months? The first month-ish.

Roommates with benefits. Yeah, that's what it turned into. And then no benefits. Just you take up. See, at least handsome, suave, hey? Yeah, he really was cute. Short, but cute. What's short?

He's my height. I'm 5'4. Oh, short king. No, not a king. Kings don't cheat. Exactly. short loser. Endingo.

Indigo. Indigo. Endigo. Yeah. Adding an extra in. The Spanish, his South American heritage was on my mind. So this is. Okay.

I won't say what it sounded like then. Endingo? Please don't say it. What does this sound like? It sounds like mandingo. And that is not South America. Well, it's Mandingo? That's African.

Oh, what is it? Huh? What is it? I can't tell you that. Is it a tribe? No. Oh. No.

It's a, it's, we'll have to save it. Can we talk about it in the post show? Yes, yes, we can. Oh, guys. Stick around if I make it. Okay. For Indigo, you owe $100. $0.48.

Yeah. With the $40 minimum fee payment. I'm just surprised we don't. just even just like kill that. Just kill it. Yeah, I should. An annual fee is kind of what hit, and that's what brought it up. Exactly, because it was paid before that. Close it. If it has an annual fee and we're not even using it. It's just like, I didn't want to take the hit on the credit score that already sucks. Yeah, but that's the thing. It already sucks. So you may as well to take the hit? I, like, I don't know. It's. Because here's the thing. I can't move into a chief

apartment unless my credit score is above like 600. So I'm I'm kind of stuck more than that. Potentially, you might be able to move within the same complex. It wouldn't be a cheaper apartment in the same complex. How many rooms do you have? I have two, but they don't have one beds? They have one bedrooms that are more expensive than what I'm paying for my two bedroom. Okay.

All right. One main financial. Oh my goodness. How many debts do you have? So far, we're at one, two, three, four, five, six, seven, eight, nine, ten. I want to take a nap. We're an hour and eight minutes into this thing. This is going to be one of the longest episodes.

I'm sorry. No, that's fine. That is a title. If you walk away with something positive, legit, it's fine. Even if I lost my mind there for a bit. That is a title loan. That is what I used to pay the credit cards before I got married. So you didn't ever pay off your credit cards.

You consolidated them on this. Yeah. Well, they were at zero, so for me that's paid off. I can't even, like, react to this anymore. Like, all my reactions, my ability to react is gone. So I'm not surprised anymore, but it's also, it's just like, again, you're an unreliable narrator of your own financial situation. I mean, I'm not using the right terminology. I'm sorry about that.

Well, that's okay, but that's what makes you unreliable. Okay. Just like, if you say something about your finances, I can't just take your word for it anymore. Oh, okay. Not because of lying necessarily, but. Thank you for that. What? I'm saying I'm not lying.

Well, for at least this one, you're not. I think the guy, I think you did lead us astray on that one. No. Yes. $455. Basically $0.50. 58 cents a month is your payment. And the consolidation, first of all, it's a 24.84%.

So you barely even saved any money on it, like 4% interest, depending. So I don't even know what the point was. You just allowed yourself to build up the credit cards again. $14,724. sense and you try to blame building the credit cards back up on the guy but now we know you didn't ever even pay these ones off anyway you just consolidated them and then built it back up yeah this is horrendous this is horrendous that's an insane debt and i have no energy to react to it okay what are you two failed payments for what fashion nova what are we doing you this is just you're

just so indicative oh is that a firm that probably is a firm is it you owe $405 to a firm wonderful i lost weight i need it close. That's good. I lost 85 pounds. I need it close. Dude, congratulations. That's sick.

That's good. That shows you do have discipline abilities. That's good. That gives me a little more hope for the finances. So we owe $405. Is that all owed at once? Yep. Do you have any more?

I don't think so. Probably don't let you. Well, you said this was a firm? Mm-hmm. I mean, maybe we just wear baggy clothes until you can go to the store and just buy the clothes, though. Kind of sucks. Oh my, are we behind on our energy bill? No, that is not an energy bill.

That is a statement for my rent. That's how they send it to you. So you're not behind. You can see how much the rent is. You're not behind? No. Okay. You are kind of the summary of what have a lot of Americans experience.

A lot of people think they come on the show and the income is the problem. You're not. You have a very blessed income. You put in the work for it. You worked for it. So don't give me wrong. It's not like you were just giving it, but you have a great income. Income is not the issue.

No. You've inflated your lifestyle way beyond it. Yes. I admit that. Yes. And now I'm comfortable. And that's the problem. Okay.

So walk me through your schooling because the fact that you owe $273,288,24 cents on student loans is a vomit inducing. Okay. So I started going to college immediately after I graduated high school. which was in 1995. That was the year. I was born. Congratulations. Thank you. Good year.

Apparently not for you. No. I had to take a break because I had to work. So I had to finance this by myself. My parents did not help me at all. So I had to take out loans. As I got to be in a like where I had to have my own apartment and things like that, I found myself in transition often as in like I didn't have a job.

job. So I'm like my student loan payment would come through or financing rather would come through and I would just take the maximum so that I could support myself while I was looking for another job. Yes, absolute wrong thing to do. But at the same time, I had a private institution out of state or what? It was initially community college. Then it then it went to. But that was in the beginning. And then you went to then I ended up going to, um, a private school for six months. I got kicked out. And then I finished.

I didn't pay. Like they told, okay, I had a pre-approval for a loan. Okay. And then after that? And then once I got there, the pre-approval was denied. After you got kicked out? And then after I got kicked out, I moved here to Texas. And I started going from Kansas City.

Okay. And I started going to school online. And that's where the intermittent job thing kept happening. Yeah, but you borrowed so much money. So how long were you in school? Between 2007 and I finished my master's in 2011. I experienced three periods of unemployment during that time. Yeah, but the amount of money you borrowed to live,

I don't think you were living on your minimums, your needs. You were living high and going crazy. I had to pay more rent and I had to pay utilities. No, we know based on how you live right now, were you blamed your rent at the beginning? No, I was not doing DoorDash. Then, DoorDash didn't exist then. This is 2007.

Doordash and a restaurant still existed before DoorDash. I was eating out. I was eating hot dogs. I'm not lying. I can't believe. There's no way you borrowed $273,000 to live for five years. No, no. It accumulates.

I kept deferring. You're right. You took out $193,000. Right. There's no way you borrowed $193,000 without living above your means. And now you're just hurting yourself even more because, again, yeah, you're not, you're not doing anything. And you're allowing. an interest to accrue and you've taken it from 193 to 273.

Why ruin your life with this? I just don't. It's 100% your choice. At least you could at least try to get on something like the save plan. I am on the save plan. Oh, you're on the safe plan now? Yes. Bad news is getting challenged dramatically in court.

I know. But like right now payments are on hold until they work that out. What was your payment? Your monthly payment? It's like 2000 something. Once you're in the safe plan. Oh, I'm sorry. In the save plan, it was $2.55, I think. Again, I've lost all ability to react.

That'd be wild. Instant cash. Bridget. Mm-hmm. Huh? Bridget. What are you doing? What do you mean? What are you doing? What are you doing with Bridget?

What are you doing with Bridget? Who's your gal Bridget? It's like Dave or, you know, you borrow against your paycheck? Yeah. It's a crutch and I need to stop using it. Well, you're just, you know, payday borrowing. You're constantly. Robbing from Peter to pay Paul.

Robbing from... What's this called again? Bridget? Uh-huh. It's okay. Dave's a... Okay. You're $133.99.

Wonderful. Oh, boy. Yeah, you're just pay day in constantly. Yeah, it's a crutch. Is that it? Is that all the debt? Is that all the debt? Or is there any more debt?

Is there any more debt for us to separate through together? I think that's it. Okay. The fact is, what's kind of interesting is I'm almost like, if a situation was that bad, if the vast majority of that debt was like consumer debt, I'd be like, okay, let's just go bankrupt at that point. It's student loans.

That's not going to be forgiven through bankruptcy. It might be worth looking into like a debt payback plan thing, like through Relief app. What is that? I might check that out. I can get you connected. with them. They have some debt repayment on negotiations and strategies

but it's going to just depend on your, you know, working with them so I can get you connected with that because that, I don't know, those is the debt situation. This is really scary. Oh, no, what's your 401k loan? You do have more debt. What is it?

I don't recall. I think it's on the It should be on my post subs. You usually have retirement at the end of the stack and your stack be thick. $10,561. Oh, no, no, no, no. That's your vested balance, but you owe $9,185. So you have $1,185.

So you have $1,000 in retirement. Hoy, o'oi, o'oy, oh, oh, oh, oh. They only let you borrow half. That $10,000 is what I, is my vested balance. What's the interest on this? Three something percent. Oh, I see. It's three percent interest. That's it?

I believe so. Hmm, it's actually not horrendous, but. But still not good. I get that. No, I don't. need caffeine producers. I've just lost all hope and joy and existence. I'm not tired. I'm dead. $8 in our checking account. One of them. Okay. Wow. Um, have you ever opened your phone and not clicked on the Amazon app? Elderly cat. I've been trying to figure out before I put him down.

Can I see your order history? On my phone. Again, you're not a reliable narrator, so I need to see. Yes. Okay. I have to go get it. I can go get it. Okay. Okay, fabric softener. I don't even know what that is. Yarn. Eyeballs.

Evil eye. I'm going to screen record. Okay, sure. So you can send it to us. Sponges, citric acid, bacon soda. Bath salts. Cleaning. Salt, salt, salt, salt, salt, salt.

New clothes, because you lost weight. more salt salt for days plastic plates maybe you just do dishes instead plastic plates paper plates they're a luxury plastic coated

but I don't think you can Are you sure Oh sorry No I apologize It was free Well or grain free wet cat food Lickable things Okay

It looked like Sudafed Were you ill Sinus headaches New underwear Cat foods Cat things Greenies

Hold was your count. He was 16. That's incredible. He only wanted water. I think we can all, you know, just, that's horribly sad. His sister is 12, so I'm trying to. She seems to be okay at the moment,

but I think she's figured out that her brother is no longer around. I'm a little, that's sad. I'm a little nervous of the, I mean, you get a lot of household things in here in the clothes. I understand what happened with your clothes. But again, you just can't afford a lot of this stuff right now. Well, maybe we're getting a couple new pair. But you're buying new clothes like every day.

Not every day. It was pretty damn close. Because it says Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. With underwear, if you buy under, because that's what I was buying, I'll be transparent. Well, that was one of the purchases. No, I saw more than underwear. No, there is underwear on there a couple of times. This particular dress actually was supposed to be for a date.

But anyway, underwear, you can't return that if it doesn't fit. It's a health hazard. So it's trying to find the right size. And sometimes things are not made in the United States and you just kind of stuck. But there was more than underwear in there. I know that. Did you end up going on the date? No.

So we paid. But I wore the dress here. It's not a date. $100 went out through Zell. What's a replica? I'm just going to Zoom. This is Amazon, Apple Bills, DoorDash, Uber Trip, we're not

surprised. More DoorDash. Okay, $900 in here. In this checking account, thank you for having at least a few hundred dollars in this one. Uber, Shocker, Netflix. Dating coach? I was lonely. No, I get it. I am scared. I do have the fear.

Can I say this? Can I say without... No, no, you seem like someone who gets insulted easily. Well, that insulted you. Sorry. I'm just very blunt and open with my thoughts. Just say what's on your mind. I fear to be you, I think.

It scares me. So I get it. I get where you're coming from. And that's like one reason why it's just like, you know, I'm kind of afraid of also being single one. I'm older. Okay, fair. But a dating coach, what are they doing? What are they doing? They were trying to help me navigate, um, finding a meaningful and actual relationship. Did they help you meet people though? Sometimes. Why did you not go on the date the other day?

Um, I chickened out. Why? I don't know. That's on you. Why? It is on me. I felt like maybe like I wasn't going to meet his expectations or something. Oh, don't think that. This whole like weight loss thing has really been a complete mind for me and like my confidence is like way off really yeah and you're going to therapy said yes I am I am uh you look great thank you look great um no get out there uh there's a um one of my producers went to one I was supposed to go but I bailed at the last minute I decided not to because it's scary uh but a few months ago he went to a speed dating speed dating thing. Yeah, I saw that the age maximum was 45. Is there 45 to like 55 year old ones?

I didn't see that. Or 35 to 55? I didn't see it. I mean, I'll get back out there, but I want to get my financial together first. Well, I agree, but also this is going to take a long time. So I want you, you like, I think you can go on dates as well. Hinge? No. You're doing Hinge life? No. Tinder Bumble. Tinder for kicks. Match.com. Hell no. I can't get Facebook dating back. Farmers only?

You know what? I wanted to date a farmer for the eggs. For the eggs? For the eggs. Oh, yes. Like, must have chickens that produce eggs. The $3.3, yeah. Okay.

Yeah. I mean, you could have got about... I know. 27 dozen eggs for the amount of money I spent on DoorDash. No, no, no, no, no, no, no, no, no, no, no. The amount of money you spent on the dating coach, you could have got four dozen eggs. Yeah, it ended up not being really good. No, I mean, I think it's just more, probably try to just get out there a little more.

I'm not the person to be able to give good advice on this. Our budgeting program, which is provably the best that can be taken anywhere online, is now bundled with our investing program where you can get $100 in cash gifted into your Moomoo account. This is literally the best education you can take in your life right now to turn around your financial life or take where you are and make your life even better. are bundled together for a limited time for 15% off check them out links in the description below lots of amazon lots of amazon zelle actually i i go on a decent amount of days i just i guess haven't been like relationship ex well okay it's not a competition i don't know

what this conversation is it's just free flowing go with it i'm take the vibe my vibe is dead no no don't see that that makes me feel bad oh no no no no no like because i because i it implies that I killed it. No, no, no. You're pleasant when you're not talking about finances. Okay. I think. Look, you have a nice laugh.

Look at that. Everyone, no, that doesn't make sense. I was going to tell everyone to ask you out, but that's a horrible thing. Please don't. Don't do that. That's why people use fake names anyway. What is happening?

Spiritual society. Yes. What? We're in Mercury retrocontra. grade right now. Oh my, you're delusional. No, these are,

oh my, lost all hope. Planetary alignments are important. Think about it. Over the centuries, over thousands of years that changes. When was the last time

there was an earthquake in New York? I don't know. You can't think of the same. You can't think of the last time there was an earthquake in New York immediately after a blizzard. I don't live in New York,

so I don't track that. Okay, that aside, there is stuff happening. It behooves all of us to pay attention to what's going on. I'm not saying you got to invest in it like I did, but I want to understand my birth chart and I want to understand what triggers my moods and what like... That doesn't. It doesn't. Because you've consulted? Huh? You've consulted someone that does that?

Why would I consult? No, I like science. It is science based. Nope. Yeah, it gets pure reviewed and goes through the whole scientific method and there's a scientific theory based on all that. Let's just agree to disagree. No. There's a whole country that's this. A whole country does it. And what country is that? India. Oh, great. They don't have a GDP per capita even where close to the United States, so I don't give a shit. India does.

People there live a long time. Okay. Registered earthquakes in New York. October 28th, 2022, February 16th, 2020, 23, April 5th, 2024, June 28th, 2024, July 31st, 2021. That's New York. Let me get New York City. Don't forget there was a tsunami as well as... In New York City?

No, not a... No, no, no. Sunami... That's shit happens. Welcome to the Earth. What's been happening in the last six months? That's all I'm saying. You shouldn't have access to the internet because you, like, that's been happening since

the planet's existed. But not, not this. No, we just hear about it more because we have access to all the information happening at once. No, I disagree. I don't know how. You disagree, but the fact that you gave me hope for a second by the discipline of losing weight, but you live in complete Dulu land.

of the world. I mean, so I've now lost hope again. It's not to insult you, but... No, I'm not taking it. Planetary movements and star systems? Yes. You care about the stars, the pattern of the stars? Do you care about that?

Yes, I do. You know our solar system, with the way it's traveling, 100,000 years ago, the star patterns in the sky look different than they are now. Not completely different, but different. So it's the whole structure of... Uh, the stuff. Oh, what's it called?

Uh, the solar system? No, not the solar system. The car. Just how the night sky looks in our lives is completely different than it is hundreds of thousands of years apart. Yeah. That system's complete bullshit. You got to believe in something, dude. No, you don't.

Well, I do. You don't have to. I choose to. Okay. No, that's fine. That's fine. You can. But you don't have to.

I do. But you don't have to. Okay. You can exist without believing in anything. There are people that do that. Well, I'm sure everyone believes in things. What do you mean believe in anything? I don't even know what you're talking about.

Oh, Amazon, Amazon, Amazon, Amazon, I'm going to just Amazon, Amazon, Amazon, DoorDash. I'm going to just Amazon, Amazon, Amazon, Dordash. Hems and hers. What are you getting through Hems and hers? I get finasteride to prevent myself going bald. Oh, what's that? What?

Monoxidil. I know, I don't know. I asked where, but I don't want to know. DoorDash, fiver. Fiverer. Who are you favoring? People to help with the nonprofit that never did anything. Oh, boy. That's a very recent.

Cash app. HBO Max. Can't afford it. Amazon. Oh, no. Oh, no. Spiritual society? More of that.

It's also that it's just draining your money that you don't have. DoorDash, like a million, billion times on here, an Uber in and just can do. and Alexa skills and a million more door dashes than Amazon a million more door dashes $25 in your business checking account thriving $60 in cash app. Oh good, it's four more door dashes and cash an app out into someone else.

Michigan doesn't have earthquakes either but when I was there, we had an earthquake once. I'm just saying it seems like this year and we're not even a... Last five recorded earthquakes in New York City or July July 31st, July 31st, 2024, April 5th, 2024, February 16, 2023, August 14, 2022, March 20th, 2021. So they happen. They're small scale, but they're registered.

So, stop. You know, we had one in Texas, like last month. Yes. Did you feel it here? No. I did. Okay. Just saying, there's things happening, and you pay attention.

That's all I'm saying. But if you don't live in the real world, how are we going to, like, I just. Okay. Let's not focus on that. that. I don't know. It's hard for me to move beyond someone being delusional. Okay. I mean, you spend double what you make. So this is also like, well, do you feel that? Do you feel? No, you didn't because you thought you spent exactly what you made. Yeah, I'm still trying to add that up in my mind because it doesn't, if I didn't have it. Here's the spending categories. You can look over

these spreadsheets. It's exactly what you spent your money on. There you go. Do I even do a budget, man? I mean, people hate it when I don't, but like, you don't know what it's like to be here. This is insane. I can't say I want to die, but I want to die. Okay, so three. Gosh, I wonder how much of this episode is going to be cut. I'm curious. $850 minimum of debt payments, you know, again, for your income, technically you can afford to.

Do you don't owe money on your car? The title loan. $460 a month. Just half your debt. What's your rent? $2,000. Including all utilities? No, it includes cable.

Pet rent, water, trash, and internet. What do you say 2000? No, I see 1,693. Oh, that was because it just went up. My lease renewed. That much? You just allowed that? You didn't threaten to leave?

They don't give a shit to leave? Yes, they do. No, they really don't. I forced them to fix my apartment. Oh, my gosh. Yeah. Buddy, I have a lot of friends' apartment jumping. Absolutely, you can.

Austin has, Austin. Credit, well, yes, you f*** yourself. But you could have got. gotten better rents, likely in that same unit. Because Austin has an actual decent supply of housing right now, because we had the biggest apartment boom in the United States. Because they fixed zoning laws. They're going to try to get as much money as possible.

You just allowed them to. You didn't play the game. So 2000? Utilities on average? I pay for electric. It's about 200 on average. Cell phone. I just went up because I've got home internet as a redundancy because spectrum was out for like eight hours.

And I work from home so that can't happen again. How much is your phone bill? I'm so sorry. Phone bill is now 240. Oh, oh, someone prepared my office news. I need to walk in there and make sure I never film one of these again. $300 for groceries. $100 for TP fund.

Anything else you need to survive? TP? Yep. It's anything else you need to survive. It stands for total paper fund. It's like you get your total paper, but you also get your makeup. You get whatever else you need.

Gas, room, room, drive, drive. How much monthly basis? 20 to 50. 50. Car insurance. Oh, I pay that in full every six months. How much every six months? 920.

153. co-pays anything like that therapy what's your co how much do you have to spend on just medical stuff on a monthly basis 200 jim no do you have pet insurance i do not have pet insurance highly recommend it might be hard with your cat's age though yeah that's why i don't but next time how much for cat food on a monthly basis 60 bucks and no subscriptions that's canceled okay anything else you need to survive that i haven't uh we haven't talked about No. Okay.

You have no excuse. No excuse. You've just completely done this yourself. You make $5,357 and $68 cents a month. Congratulations. You're necessary to live is $4,153. And $58 a month. Okay.

You know what? I'll give you fun money of even $200. No, fun plus business, whatever, $200. Boom. You have $1,000 left on a monthly base. Okay. Are you getting my student loans in there? Huh?

Did you count my student loans in there? Well, we don't know when those payments are going to start. When they do start, your fund gets to zero and you still have $1,000 left over. Okay. Essentially. But either way, the one main, the title loan, that's what's really killing it. But all the other debts except for the student loans, just want to give you an idea of what you, when you do the sacrifice, which you're only willing to do for six months,

which makes this entire conversation hopeless. That kind of threw me over the edge, remember? Because I know it's going to take plus Bridget. Okay. So, totally worth it. Buddy, literally just under two years and all of your debt besides your student loans in 401K. No, your 401K will probably,

because that comes out of your paycheck. Yes. So when is that projected to be paid off? I think three, four years, something like that. Whatever, do that. It's a 3%. Don't do it again. But literally under two years and everything's gone except for your student loss.

Your life has changed in two years. Okay. I can do two years. You can do two years. And I'm giving you $200 of fun spending too. You could probably make it even a year and a half. Really, if you really wanted to, you can make it a year and a half. But again, this is also dependent.

If you start You know Pumping this up with a ton of money To make the dream And I I cheer for the dream But we're just not doing it on Credit 1 You know

But if you're spending a lot of this You extend it to maybe three years or something You know it really depends So but Retirement You are going to be playing the catch up game At least 25% On a yearly basis of your income

But that's fine You still have 25% to spend on fun the fact is with how bad you've put your situation in because your income is so incredible and it can be better and we'll get it better if it does you cut this down even more dramatically but even still two years of fact sacrifices nothing you're right nothing so you're willing to do more than six months I am willing well again I gave you a fun budget so it's not even yeah it was just what what I was not willing to do was not have anything at all what does that may not have anything.

Like, no, you can't have a pizza. No, you can't, you know, go to Vegas for your birthday. Okay. I'm done. I'm done. I'm done. I'm just saying, like, I'm not, but if you're saying, if you're saying with this budget that you've created for me, if I just discipline myself and I follow this budget and I will have

credit cards will be paid off and eliminated, even though I'm going to take a hit on my credit, but okay, we'll do, we'll do what you say. I know how to follow instructions mostly. So I will do what you tell me to do. I will do that. I hope so. I hope so because it's recorded. I will do what you tell me.

Well, we have a follow-up channel for you to come out and prove it. So please do. I will hold you accountable. But don't do it for me. This is literally your life. Well, yeah, I want to do,

I want to be better. Like I don't want to go into, I'm going to cry. I don't want to go into like another bad situation. I don't want to be where I have to be dependent. upon like, hey, can I get 20 bucks so I can get gas? You know, like, I don't want to do, I don't want that to be my life, you know? And I don't, I'm already behind way, way behind the curve when it comes to retirement.

And I'm going to have to figure out how to move to Belize to retire. Yeah. Because I can't afford to retire in this country. You've got this mathematically. Now you just need to put in the effort. Okay. And for financial scores, spending your budget, zero out of ten, uh, because you've overspent by double debt.

You have collections, so zero out of ten and a 401k loan. So, yeah. Emergency fund is nonexist. Zero out of ten. Retirement. I'm going to give it a one out of ten for getting started about that 401K takes it all the way down. Real estate, zero out of ten. And our financial score, 0.5 out of ten.

In the post show, we're going to talk, what was it called? Bogongo? No. What's the word? You said, you said, and dingo. And it made me think of band dingo. Band dingo. Man.

We're going to talk about that. Don't delete that. Don't delete that. There's something about eggs we're going to talk. talk about as well that's about the that they've done the math a lot of egg math we're going to talk a lot of things with you in the post show so here we go make sure to join us for the post show everyone with the links in the description below today on the financial audit post show what did this last guy wants I think he just wanted somewhere to live for free how was just like existing around each other

I hated him the energy in the house was heavy what did you do to piss you off so he would say things to me like I really prefer when you don't talk oh geez is he going to get in trouble with the divorce process and stuff for being undocumented i genuinely don't care but but is he going to bright he better hope ice can find him before i do oh gosh geez to watch the financial audit post show click the join button below