Financial Audit - I Wasn't Expecting This... Transition… | Financial Audit

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Starting point is 00:01:09 Interesting. How much does that cost? $1,000 to do it. Download my new simpler budget app to date and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Hey, this is Sam. I'm 31 years old. I live in Atlanta, Georgia, and this is financial audit.

Starting point is 00:01:41 Thanks for coming over from Atlanta. That's a pretty good trip. What do you do there for a living? I'm a project manager slash sales guy. Oh, oh, that's an interesting. That's two jobs. But, okay, so you better be making money. How much you're making?

Starting point is 00:01:57 For a year, 82. Yeah, okay, that's money. How are you feeling living on Atlanta at 82,000? dollars a year? I think it should be better. Living there or making more money? Making more money. Why?

Starting point is 00:02:10 Because I have a problem with my job right now and he doesn't pay me on time. It should be better. Wait, okay, you make $82,000. How much that actually comes in? I mean, it does come in $82,000. But the way that is coming in, he split everything. What does that mean? So for an example, if I get, I have a base celery.

Starting point is 00:02:31 So it's 1,150 per week, but he doesn't pay me every week. So he's like 14 days behind, sometimes 60. Well, how often? Four years. Okay. Four years? No, I'm saying, how often is he late, though? Every paycheck?

Starting point is 00:02:50 Yeah, every paycheck. Okay. Well, maybe you're leaving the job at that point. I'm going to be honest, we once in the history of the show, had a week called Fat Stack Week. It was the thickest paperworks, thickest stack of paperwork. And I don't go through the paperwork anymore beforehand because I like to go in blind with the audience and go through the experience with them. And when I sat down here, I was quite surprised because this is a lot of fucking paper, dude. Do you think so?

Starting point is 00:03:18 You belong in that week. What are you doing here? What's going on? What are we talking about? I really want to give my wife a very good life. Oh, you're married? Yep. Cool.

Starting point is 00:03:30 How long have you guys been married? This year's going to be five years. Wow. Okay, very cool. Any kids? Nope. So what does a better life look like? Be able to have my top surgery. Be able to... Top surgery? Top surgery?

Starting point is 00:03:44 Top surgery. Like top surgery? Like trans? Yes. I'm a trans guy. Interesting. Yeah. Oh. Don't look like? No. I mean, well, congratulations. You've done that very well. Successfully made it to the other side. It seems I have no idea. Okay, honestly, this was years ago, but I had someone on the show,

Starting point is 00:04:05 it pretty much their entire financial life just to get top surgery, I think. That's a lot of money. One of the surgeries. I don't know which one at that point. No, that was probably top surgery. No, that one came from man to woman. You went from woman to man. Woman to woman.

Starting point is 00:04:22 Yeah, I always joke about like I have to come out twice. What? Like, I always joke about like I have to come out with the closet twice. Why? being a lesbian and being a trans guy. Oh my goodness. Yes, the world's very confusing. Okay.

Starting point is 00:04:35 Yeah, sure. How much does that cost? Around 20 grand, because I have to be at home at least three weeks because not working. I have someone to be with me. Pay time off? No. No pay time off in this job. Never, never.

Starting point is 00:04:48 How structured is this job? It doesn't really make sense to me. You get paid a lot of money, but you rarely pays it. You don't have paid time off. I'm just like, I'm like. so you've been there for four years so the way the the the way it was he found me on the restaurant like four years ago okay um he was trying to get my wife to work for him and then my wife like no i don't know you and give me his number and then months go by he was there again and like hey i really

Starting point is 00:05:16 need someone to be you know getting calls and put in my schedule and all of that so i gave him uh she i gave him in a text like hey and back then i was not a trans so i was fooling like a girl still so I gave him my original name like hey this is wife of tarara and then he's like okay meet me here 5 30 in the morning wait you guys were married yeah already yeah wait she made me she married a chick yeah what does she think about um like this she was cool but her parents on the bina like i was the first chick that she had let's say like guys she was always straight she was always with guys in Brazil because she's from Brazil as well yeah so when we met and so it works I guess We met and I was working on the restaurant

Starting point is 00:05:59 I was a manager of this Brazilian restaurant Yeah And then she was there being a regular Just visiting her cousin that lives in Atlanta as well She was in it now and I'm like hey You know you look nice You look cool Why you don't work here

Starting point is 00:06:12 Do a little bit of money Go back to Brazil with a chunk of money It's like okay Are you gonna give me that job And like yeah So months go by Are you like a butch lesbian Yeah

Starting point is 00:06:20 Yeah like Yeah like You got the dude energy on you So I feel like You're kind of like a, you know. But I was only like that when I moved to the United States. Like when I was away from my parents. Yeah.

Starting point is 00:06:33 Yeah. Yeah. Brazilian. Yeah. You got the BBL. Yeah. All the goodies. Yep.

Starting point is 00:06:38 Sure. And, okay. So we're trying to save up for a $20,000. Boobie go bye-byes. Yep. Okay. And I want to take, I might say this on ovary, like the ovary.

Starting point is 00:06:50 We're taking out the oaths. Yeah. The eggs. Yep. Yep. Because I'm not going to be. I'm not going to get. pregnant or anything like that.

Starting point is 00:06:57 So I'm just going to take that out of it. Oh, you don't want to? I don't want to. Okay. Yeah. We don't want to. Right. Well, I mean, yeah, I mean, that makes sense.

Starting point is 00:07:07 I guess you would have to have someone else to do it. Yeah. Yeah. At the point, okay, so we're scrambling and we're cutting. Sure. How much does that cost? $12,000 to do it. For that one?

Starting point is 00:07:23 For the surgery. Oh, for the ovary? Yeah. That is around 13. So we have 20 plus 13. Yeah. So 30, that's called 35. 35,000.

Starting point is 00:07:32 Okay, so we're looking for 35,000. I don't judge, I'm just here to do math. We're in the math game here. So I'm going to ask me what's the on the budget for? And plus the time off, because she has not, she cannot work. She has to be with me. And then after that. For two weeks, though?

Starting point is 00:07:50 Did she have paid time off? No. The what did she do? She do Amazon, deliver. and Instacart Deliver Yeah, that's all That's a full contract

Starting point is 00:07:59 That's the one thing That I really wish That she couldn't work with that So 2020 Was when my mom came here And she started to live in with us And stuff got very tight And her side of credit card

Starting point is 00:08:13 It's where we put a lot of moving Because I have to move like So it was supposed to be my mom And my sister to live together Because she had a house back then Like a townhouse So you have more space But she got out to a divorce, like, right?

Starting point is 00:08:26 Like, a couple months. What does this impact you? I had to move. And I had to move for a bigger place because we were living in an apartment in one bedroom. So she was bringing her dog. And I'm like, I cannot have a dog in this bathroom. My mom cannot sleep in a couch. And the only way that I move with my mom, it's my wife putting in like saying, like,

Starting point is 00:08:44 I will just move it. We move it in a place in a house with three bedrooms. So we have a lot of space in a yard so the dog can be happy and all of that. So we did our research and like a couple weeks before my mom getting here It's where I got approved for a house And the only way that I got to prove it's making a huge down payment And she had to create a credit card for that And so most of her credit card is because we put like trucks moving

Starting point is 00:09:09 And the down payment Maybe a couple rents were there first too Yeah Okay, I don't know You're finding it's obviously fuck this is an absolutely insanely thick stack. Are you trying to say what got you into this was you had to move? Is that what you're saying?

Starting point is 00:09:30 The stack of thickness is in front of me because you had to move. Is that what I'm being told? In her credit card, yeah. And her credit card? Yeah, in her side of her credit card, like her credit card. I don't care about her. Who's credit card? Her credit card?

Starting point is 00:09:41 Yeah. Your wife's. Yeah. Okay. Yep. And her credit card. Is her credit card in here? Yeah.

Starting point is 00:09:47 Everything is there. Oh, this is both of you. Yeah. Oh. Well, I mean, you guys have been together five years. And there's no kids. No. We're not planning on.

Starting point is 00:09:54 No, no. Okay. Okay. Well, where do you think you are in the world of finances? Zero to ten, zero being the absolute worst finances, ten being the absolute best. Where do you think you are? 0.5. Yeah.

Starting point is 00:10:08 Yeah. Watch your Hammer financial score. Take the assessment. The link is in the description below. You can always just go to Calebhammer.com as well. If you want to come on the show, Calebhammer.com slash apply. I'd be happy to have you on here. Okay. Now, you said you do sales. What do you sell?

Starting point is 00:10:25 I sell a project. So I sell concrete, like a driveway, a retaining wall, pavers, stonework. So I go to houses. They call us, of course, to do an appointment. And then I do a walkthrough and see what the person wants to do. And then when I got home, I built the estimate up and send it to the client. Like last year, I was able to sell $4 million for the company. $4 million. That's awesome. What's your commission percentage? 1.5. Yeah. And that 82, is that from that? Yeah.

Starting point is 00:10:57 Okay, so 82. I mean, I have, oh, this is with your wife combined. Yeah. I have the household income at 10,70088 from the last month. Right? Yep, yep, yep. That's not bad. It's over six figures, 120, right?

Starting point is 00:11:12 It is not bad, but. 120 is great. Yeah, it's great. I want more, of course. Sure, but that's close to like median, double median the household income in the entire United States. I don't know that. Yeah.

Starting point is 00:11:24 Yeah. Yep. The median household. The amount that I had to spend to work for him is insane. Do you get a reimbursed? Never. Are you a contractor? Yes.

Starting point is 00:11:34 So you can write it off. So I deduct. The only thing that the lady when I do the taxes, she write off is just my miles. Why? Why not more? Do you, maybe your CPA is shit? Maybe you get a different CPA. Why do we sick with the lady?

Starting point is 00:11:48 We change it this year. We're going to change this year. Yeah, I mean, wait We're gonna change later this year Do you file quarterly? No I mean that but okay Okay

Starting point is 00:11:58 Okay 10,000 came in You're both contractors So we're setting aside money for taxes No Okay How long have you've been doing this for four years How was

Starting point is 00:12:13 2023's taxes? How much I had to pay? Did you pay them? I paid them monthly Huh? So it's... You still pay them? Yeah, I still pay in time.

Starting point is 00:12:24 You still pay that. See, but why would we then not start saving for the taxes we're doing now? If we're already paying previous taxes monthly, why do we want to continue stacking that up with having to pay? It's very hard. It's hard to do budget when you're not getting paid, man. It's like... Yeah, but you are getting paid. You're not getting paid on time.

Starting point is 00:12:42 But whatever... Which does suck, and I do empathize with that. But you still, you put the... Listen, have to pay taxes without getting paid. Get that. Okay. You only save for taxes when you get paid. So listen, making a payment on a rent, like if for some reason you don't get paid

Starting point is 00:12:59 once that entire month, would you get paid five times the next month? Because the dude fucked up. Yeah, that sucks. That sucks. But you only put aside money for taxes once you get paid. So it doesn't matter when you get paid. If you get paid once that month, you set 30% aside from that away. But when he paid me, it's already, a lot of fees already gone.

Starting point is 00:13:20 Like I have, yeah, like for my credit card that I'm trying to do minimum payment. So and then fees come in and then I had to pay that. And then for whatever fees that we have, like a rent or water. Yeah, expenses. But you can control some of those. The rent, you know, you can choose what rent you have. I feel I never have money on my bank account when it's time. Probably because you blow it all and you're stupid about it.

Starting point is 00:13:45 Listen, you made $10,400 for the, you know. household last month? How much did you guys spend as a household? Probably that. No, you spent 16,000. Yeah, you spent 16,000. So I don't have money? Who would have thought I wouldn't have money if you spend 16,000? Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number. Interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus,

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Starting point is 00:15:09 Or call AAA-E-E-E-FY-E-E-E-E-E-E-E-E-E-E-E-E-E. break free from the high interest trap and get your finances under control once and for all. Probably because of fees, right? No. No. I mean, I don't fucking know. I mean, we're going to go through everything. We're going to find out.

Starting point is 00:15:28 But how would you not even know? 16,303. $42. Down to the penny. I have no idea how much my wife does. So I kind of. Why? You've been married for five years.

Starting point is 00:15:40 Do you not communicate? Do you not talk? We don't talk too much. Why? We always, they're not five. Was it your accent? No. What do you mean my accent?

Starting point is 00:15:48 This was a joke. Okay. Why did you guys talk? We always get nervous. Like, we're never... Nervous. Yeah, we're never a person that knows how to do with money or came with people that, you know, parents... None of us are.

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Starting point is 00:16:33 They know how to do things with money. When we try to see like, hey, can we do this? Can we do that? We are counted with money that I will still receive. Like, oh, yeah, maybe right now, like all the problems that I have with my boss, like, oh, yeah, start doing with your car. and I will give you a car a couple months if I see you're going to stay with me, if you're good, and whatever, and I'm the only seller beside him. Okay.

Starting point is 00:16:52 So I always put in my head like, okay, once he gave me a car, I'm going to sell mine, and we're going to do more money, and then we can, you know, pay all this stuff, but that never came. So I always was waiting for something to happen so I can start saving money-ish, something like that. Makes sense? Yes, I guess, but you literally spend $6,000 more than you guys made. So what are you waiting for?

Starting point is 00:17:15 because vacation wise maybe like my vacation no I mean not all of that why the fucking we go on vacation when fees

Starting point is 00:17:24 are the ones destroying our lives you said fees like rent it's a life fee I assume is the way you're thinking about it which is fine

Starting point is 00:17:31 sure I guess yeah you gotta have a roof over your head that's a life fee but if you can't afford that why are you going on vacation if you guys can't talk about

Starting point is 00:17:39 money why are you going on vacation because when we talk about vacation we see our we kind of forget about credit cards. Yeah, you see an escape

Starting point is 00:17:48 from the real world. Yeah, maybe. You guys just run away instead of actually dealing with your problems. It is hard to talk with her. Why? I need to know why.

Starting point is 00:17:58 I mean, she's not here now. She's right there. Yeah, so tell me why. Well, because she, when I say something, she disagree and I think I'm right. Now, why do you guys disagree

Starting point is 00:18:08 when you're talking about money? Give me an example. For an example. When I saw stuff was getting tight for us And I told him like, look, you need to get another job. Like, beside the one you have to use car. So we can sell one car.

Starting point is 00:18:21 Use that money for pay some stuff. And then we could be better. And I can pick you up and back and forth if you need that. And she disagreed with me. She's saying that the problem, it's not her with her job in the car. It's me and I getting paying time. Huh. Okay.

Starting point is 00:18:38 So how do we resolve that then? How did the conversation usually go from there? And I tried to make a reward more. more hours because she only worked from 630 to 3 3. Wait, from 630 to 3? Yeah, and then after 3 she doesn't do anything. She just goes home. Well, 633, what is that?

Starting point is 00:18:53 That's still 8 out. It's still good. It's like 9 hours to work, but she doesn't do that much. Like, the only way that I... Sounds like a full day's work, though. She just starts early. She does, but it's just not enough. Like, she, I mean, she doesn't work

Starting point is 00:19:09 the whole time. So around noon, she go home. She feed her cat. During lunch? Isn't that the peak hour? One of the peak hours? I don't know. For DoorDash and stuff? I don't know.

Starting point is 00:19:20 She doesn't deliver food. It's, um... Well, you said Amazon and what? Amazon does Whole Foods. Oh, okay. They pick up like grocery stuff and everything. So she goes there and noon, she stayed there for 30 minutes. If I'm there, she stayed for an hour, too.

Starting point is 00:19:36 And then she just worked one more hour and then come back. So you don't think she works enough. So what do you do? You try to talk about it? I try to talk about it. And what happens? I'm like, look, let's try to do like a resume for you and like put it out there. Maybe work on Target.

Starting point is 00:19:51 So work a better job. Okay. A different job. Okay. And she says. We can sell. She's like, no. She said, no.

Starting point is 00:19:56 It's not a problem. Because she don't think that she's the problem. Like, she's not the whole problem, of course. If it's both together. And she just thinks the problem is not getting, not getting paid in time. Me, not getting paid in time. And that's why. Oh, no.

Starting point is 00:20:09 I mean, obviously, objectively, the problem is, I mean, you must have gotten paid on time this month because the month that we have because if you're making $2,000 I mean that makes sense with what hits your account combined household income at the $10,788 that's not about not getting paid on time I think it's the $16,000

Starting point is 00:20:28 you guys spent. We never agree when it comes to money. But that's math. That is $16,000 is more than $10,700. I don't know if we know this. Yeah, it makes sense. But the thing is, but the thing is when we

Starting point is 00:20:44 I could sell my car when it was a good condition still it's a jump okay so I told him like look let's sell this car you get a normal job work at Home Depot we need okay you really want her to work retail it seems yeah sure

Starting point is 00:21:00 I mean I don't wish no I understand but she has a very good degree in Brazil it's a she has to do she's from Brazil yeah okay what's her degree um producer and like radio TV the calls. That's a very good degree? I think it is. I mean,

Starting point is 00:21:16 I don't have anything. She has something. It's a degree. I don't know if that's a very sought after in-demand job. It's not, but maybe if she kind of put the work in maybe. Well, sure. Does she apply? No. I mean, I've been one year asking her, like, look, let's sit down. Let's put everything together. I need to know how

Starting point is 00:21:36 much you do. And the way, we don't know how much exactly. I mean, if she probably, she probably knows, but She always renal found money from the app, like every three days. And I'm trying to talk with her like, do weekly. But since I don't get paid and she need to take that money off and to buy something, to gas. Or sometimes it's so tight for me that I need to call him like, hey boss, I need you to pay me at least $300 because tomorrow will not have gas to work for you. And of course I do a little bit of drama saying I'm sick or my car needs to do something because that's the only way I can get.

Starting point is 00:22:12 get the money back, like my money. That he's always, like on my commission, he's always behind two months for him. But if he's always behind two months, I'm not listening, and I'm not saying he's okay for that, not even close. I'm not defending him at all. But if he's always behind for two months and you've been there for

Starting point is 00:22:28 four years, aren't you? Technically, if you're always getting what happened two months ago, you're still you know what's coming. I know it's coming. I know what's coming. But the agreement was

Starting point is 00:22:42 every 15 days. No, no, no. Again, I'm not supporting him. But that if it is consistently two months behind, been there for two years, like, that's not the major issue. It's stupid. And you should probably honestly work for someone else. I'll be honest.

Starting point is 00:23:00 But you know what you made two months ago what is going to hit. Like, that's just a budgeting thing at that point. I don't know how to do budget it. So, I mean. Okay. Well, neither of you leave the studio until you, you download the simpler budgeting an app. We made it specifically for you.

Starting point is 00:23:16 Made it for everyone in the audience. Made it for me. I use it on a weekly basis. You get the premium version for free. You guys get a couple of week trial. But make sure you download the simpler budgeting app. And I'll give you before you leave a founder's edition of our simpler money notebook. And I need you to journal your financial journey in there.

Starting point is 00:23:35 And I'm going to read it when you come back on the follow up channel. Okay. Awesome. Thank you. I'll send you guys assigned a version. if you are an annual member to simpler money premium. We'll ship it right to you. I also have a degree in Brazil, but because it was a very bad college,

Starting point is 00:23:53 they don't exist anymore, so there's not a way that I can pull up my certificator. You didn't get your degree before it closed? I did, but I moved here and I thought I was never going to use it, so I just lost it. Honestly, a lot of places you can see have a degree on your resume, and... I'm kind of nervous because of that because I... No, but you got the degree. I do.

Starting point is 00:24:15 You're not even lying. I do. Yeah, just put it on your fucking... No. And I never worked something like that. No, no, no, no. Just put it on your resume. I don't care.

Starting point is 00:24:23 Dude, just put it on your resume. That's... I'm sorry that the college closed down, but put it on your fucking resume and put your experience on there as well. I need to start getting in these documents, because we'll be here for a thousand years. They will, like, ask for it.

Starting point is 00:24:36 I have some people saying about that. I want to shoot them in the face next time they talk. I don't know. Like, I don't think they know what they're talking about. They'll ask to see it. Like, you have to walk into the office and give them the resume. Like, what the fuck? For Microsoft, they, like, need people who speak Portuguese.

Starting point is 00:24:52 It's different in Atlanta. Yeah. And they ask for it. They asked to see the physical degree. Yeah. And then I lost the job because of that. Maybe they were getting some red flags in some areas or maybe that's what they do with foreign. Like, I don't know.

Starting point is 00:25:03 Most of a lot of people that I know work there. And they're like, look, you need to bring the certificate because they will not hire you. Certification. Wait, what's the certification? certification in? Tech, IT. But it's not a degree. So you're certified in something?

Starting point is 00:25:15 Yeah, they might want to see the, okay, if that's different. If it's like a cybersecurity certification or something, if it's like a boot camp that is specifically designed for a certain specialty, they might want proof of that specifically because it is, it's different than just going and getting like a BA and fine arts, right? You're going through a boot camp. Yeah, that might make sense to send proof of record for there. Maybe they also, as they do the background checks, maybe those don't automatically pop up like a degree would. So I can see that as making sense.

Starting point is 00:25:46 Listen, I'll give you a course career certification of your choice. Just go through that. There's a lot of tech ones on there. So if for some reason and yours is a struggle, just go ahead and get one of those. I got to jump into these cards. Okay. So Affirm. What the fuck are we doing?

Starting point is 00:25:59 So Affirm, there's a lot of furniture. That happened when we have to move to the big house, when my mom was here. house, when? Um, 2022. This is a five, three year old a firm? I mean,

Starting point is 00:26:15 most of them, yeah. Most of them. People get this for like four payments. But we still pay. I think I'm next. What you're talking about? Dude,

Starting point is 00:26:25 I see caffeine army, cappuccino, uh, ship station. What the fuck are you talking about? Oh, I didn't know my wife put that stuff for there.

Starting point is 00:26:32 Oh. I thought she just thinking, you don't even know. I thought she was doing on a debit card. Oh my. Gosh, oh my gosh, oh my gosh. No, it's all financed the money because you guys don't have the money because you spend 60,000, even only 10,000. It's seven hundred comes in. Oh, okay. Yeah, this is the danger of not talking. This is the danger of not communicating. I don't care if you guys don't always agree or disagree on what the solution is. But we at least need to know where the money is going. Money is going. We can't agree or disagree about that. I found out that we split her rent. We are rent. And I didn't know about that. Like she... Why are you guys doing things?

Starting point is 00:27:12 No, no, no. Why are you guys doing things to your household financially without talking to each other? Well, she told me once, because last year we had to bring her parents here to get a visit, like visit and do a vacation. Okay. And why? Because their visa will expire this year. And that... Okay.

Starting point is 00:27:29 And they will not be able, maybe, like, there's a big chance they will not be approved to renovate that one. Why? I really don't know why, but that's how... Well, then I don't believe you. Because they never been here. So they have like a visa for 10 years. And I think if you never use it in 10 years, it would be difficult to prove to them to get approved. Like, well, you never been there in 10 years.

Starting point is 00:27:52 Well, that's an actual answer. So we agree saying like, look, we're going and that's where we have a little bit of fight. But in the end, I agree. And it's our fault, my fault as well. Wait, but did you guys pay to bring them? Yeah, we have to pay everything. But it's their vacation. Why are you bringing?

Starting point is 00:28:09 They don't have money. They don't have money at all. You don't have money. But we could pay for the vacation. I saw an insane number and it's nothing beneficial. Yeah, $60,000 of bad debt. You have negative money. You don't just not have money.

Starting point is 00:28:26 You have negative money. So I don't know what the fuck we're talking about. We were able to pay everything before. You put it on credit. Probably. We did cash flow. and a firm sometimes maybe to

Starting point is 00:28:38 okay but when they got here the thing was more than 80% was paid so I told her like look if you really want to bring them

Starting point is 00:28:47 we need to work a lot I need you to do extra hours and everything so we can bring them and that's the only way and let me go she did it

Starting point is 00:28:57 no she did she did she was like working a lot and she bring a good money but and then after they came we just came back to the same thing and it was a lot. It was very expensive and I feel bad because

Starting point is 00:29:12 we took them also in Atlanta so they know where we live and everything and I bring my mom but my mom paid for her stuff Wow an adult but when it comes to food my wife was feeling bad because we were paying for her parents and she's like look what the what the fuck okay cool awesome yeah she's getting caffeine army cabuccino on this right now that's good that's good That's the help me so much for my work. Yeah, you're affirming it and paying interest on it. I didn't know about that.

Starting point is 00:29:39 I thought. Well, guess why you are because you guys don't talk. Because when I talk. No, no, no, no, no, no, no. It's not even about not talking. It's that you guys just go do things. You just do things so that the other person isn't even knowing. When I tell her, like, look, buy this and.

Starting point is 00:29:53 Sick. Yeah. And. What? It's just very, it was, the, the ball of vacation was everything very expensive. And I didn't. How much? How much did you guys spend?

Starting point is 00:30:04 Um, just the flight. for 5,000 the round trip because Why don't you guys spend in total? Around 14, 16 because we have to buy Magic and Kingdom like four tickets

Starting point is 00:30:18 the Animal Kingdom four tickets as well and then the extra stuff Airbnb B the car rental and food and then we had to pay also for the tickets to go to in Atlanta and then we have to pay the tickets

Starting point is 00:30:33 to go to Orlando again so they can get the flight and go back. It will separate. And because we live in an apartment, one bedroom, we had to rent, we had to get a hotel for them and we had to pay for that.

Starting point is 00:30:44 But it was not like that with the first agreement. The agreement was them pay for their hotel and pay for their food. They spend everything home. Well, then why would you allow it?

Starting point is 00:30:57 I didn't know about that. When I came here. No, but then you supported it by you spending your own money. I'm going to make them go back. Yeah. I can't. I want to pay for.

Starting point is 00:31:04 You're adults. You can have a conversation, can't you? But they like, well, you can't even have a conversation with your wife, so. I know you like free things, and I'm giving some things away for free right now, and let me show you how to get it. First, I'm giving you a limited edition financial audit tumbler, plus a 30-day trial of simpler budget premium to new users when you buy my four-class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries. You'll still get access to that 30-day simpler budget trial.

Starting point is 00:31:40 And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. They're going to say, well, I don't have money for food. I'm going to just eat in front them.

Starting point is 00:32:11 I'm like, oh, this is so good and you cannot pay for it. When you spend 14,000 hours and you have no money, and yep, yep, yep. I was surprised that we were able to pay for that. I'm very surprised. And then I talk afterwards with my wife, like if we could do that money, why we're not doing to pay our stuff. Well, yeah, that's what the fuck I'm saying. I don't know. It's no 600 on a firm with a $26.52.

Starting point is 00:32:32 sent minimum payment, which is stupid, which means interest is accruing. At least I think it's, is fee on that? There's a lot of fee on that? Yeah, you get interest. Oh, for fuck's sake. Here's, okay, this is a different affirm loan. Okay, so I have a feeling we're about to go through a few affirms here. Here's another affirm, $318.89.

Starting point is 00:32:57 This is for solid wood detail. What? Salt. Oh, the fuck sake, man. It's like a furniture, maybe? I don't know. It's not me. It might be furniture, because I know we bought, like, two furniture on our new apartment,

Starting point is 00:33:13 and it might be that. I didn't know how the price was when I saw it. And I'm like, oh, this was expensive. We're still paying for that. New apartment, the big house or after the fucking big house? After the big house. Great. So every time we move every second of our lives and we have to refresh our entire,

Starting point is 00:33:27 entire fucking furniture package of the house. Yes. Yeah. Not everything. Yeah, great. Like some spots that you're like, oh, something right here can go, something right there can go. And we just buy it because it's going to be looking good. And there's a part right now that I told that we're not going to move for at least five years now.

Starting point is 00:33:42 Yeah. But yes. Why, are you moving? No-ish. I don't know yet. What is no-ish? Because my mom today lives with my sister. Cool.

Starting point is 00:33:55 October. My sister is going to New York. Proud of her. And then my mom's going to be alone. Is your mom incapable of anything? Well, she has heart problem. She had to go to surgery, and so she gets... Is she a citizen?

Starting point is 00:34:09 She had a green card. She will be a citizen in a couple of years. I mean, she'll receive some kind of disability, right? Because of her, no. Well, she can't work because of her heart. No, no, she does work. So what's the problem? Living alone.

Starting point is 00:34:25 Like, I'm scared that she can't, you know, do something and just die or something like that. Okay, how bad is? It is kind of bad. It's not as bad now because she did the surgery and before we lived together, but it didn't work at all. Why? I think my mom have kind of jealous, like, I don't say if it's jealousy. It's not jealousy. She, it's weird for my mom knowing that I'm married because I've always been her baby. Does that make sense? So she was kind of competed with my wife, like who gave me more attention. And if not getting attention to her or my wife, they both.

Starting point is 00:34:58 Don't live with her then. She sounds like a f***er. Brat well that's what I'm doing now like I put my feet and I'm saying that I'm cannot live with you and I and I know right now I cannot afford to help her but I told her that I what's her job why did you tell her you could because I don't want her to live with me they did my wife and my mom don't they don't get along I at all yeah sounds like it sounds like they don't know why because they're both sounds like and my mom she when Well, we have cameras at home.

Starting point is 00:35:31 So we caught her talking about my wife, though. So that's where she's. Well, let's say if she's tired one day and she doesn't do food, my wife just stays sleeping or something like that. She tells my sister that doesn't have any respect for me, just go in my house and do whatever she wants and talk great about me and my wife. Saying like, oh, yeah, when she's tired, she doesn't do food for us. That's kind of stuff.

Starting point is 00:35:57 And I got very mad because my wife is not her job. job. My mom was the one not working back then, so my mom can easily do the food and everything. I mean, it's just not a sane household. So we talked about a couple weeks ago, and I told like, look, I can't, I don't want you. I'm like, you know how the hell we've been through living together. And I bet you don't want to do that again. And then my wife also doesn't want to live with her. But I, she said, like, if we live, it has to be like the same conditions the last time we had to move in a bigger house. I'm like, no. Stop with the fucking moving. Listen. Ambition comes in all shapes and sizes.

Starting point is 00:36:36 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. Listen, it's... It was supposed to be by my sister. You were paying off furniture from two places to go and your current place. Golf.

Starting point is 00:36:56 You're not moving. I don't care. Because she had a house back there. You can't take responsibility for... I can. I can't. But it was not supposed to be like...

Starting point is 00:37:06 You could have got used... Furniture. You did not need to do what you did, man. You know, it makes my wife happy. It makes me happy to see in the house looking nice. Yeah, it feels real nice

Starting point is 00:37:15 when we have all these minimum wage payments and we can't afford to survive and we're paying six... What's your retirement at? Nothing. Fuck you. Nothing. That happiness?

Starting point is 00:37:26 Doesn't really exist. Yeah. Yeah. After watching the show that I kind of figure out that I need to do something, and realized that. Well, what have you done then?

Starting point is 00:37:38 What do you mean? What have you done? After watching the show, I realized, I'm something like, I tried to talk with my wife about, like, doing a budget or something. Maybe you guys aren't compatible. If you can't even have a conversation. She's just very, she doesn't face too much stuff, and she always walked away. Yeah, maybe you guys aren't compatible.

Starting point is 00:37:57 Or maybe she can't be the one that's even looking at finances. Maybe you just have to control it. She just has to accept it. I don't know. I was, like, when we got married, I was the one. what's controlling everything. And then I got this job. And then I'm like, look, I don't have time to look if I'm paying for this.

Starting point is 00:38:11 What you have to do is literally a budgeting of, again, not the fucking plug, but my goodness, it's like, it's the easiest thing of the world. It's the easiest fucking thing in the world. You just connected to your account and you don't get the budget. It's there. Review it on a monthly basis so you know how to adjust it for the next month, but it literally just tells you. And I mean, when you have credit card, man, it's just nice to spit everything.

Starting point is 00:38:34 Like, like, and because in Brazil, we don't, we have credit cards, but it's different. We don't have credit. Then you're obviously not a credit card person. Like, listen, if it's all of a sudden, oh, I got all the credit, let me, whatever you said, then you can't fucking use credit cards. You're not, you're not mature enough to have access to a credit line. You're not. I think I'm today if I'm starting for zero.

Starting point is 00:39:00 16,000 made 10. Fuck you. Yeah. That's incorrect. It's incorrect. And even if you have it, then she'll use it. Even if you're being the responsible one, then she won't be. At least from what I'm hearing in this conversation.

Starting point is 00:39:12 It was a lot not putting my saying no. I was always like, yes, yes, we can do this. How the fuck do you have a better beard than me? Testosterone. It's interesting. To use that little, do you know, that little neat, it's like a roll with some thing. That helped me a lot. What are you talking about?

Starting point is 00:39:35 It's like a little roll. that you pass on your face and open your... And it worked? It worked. Or did the testosterone work? No, no, it worked. I have, like, just a little bit, like, right here, a little bit right here and just right here. So I started to using that, like, for six months and everything just grow.

Starting point is 00:39:53 And I'm only have three years in testosterone, so it's pretty good. Yeah, you have, like, you need some stuff right here. Yeah, I got some patches. Okay. I got some patches. It'll be nice. Karna you owe $289 and $0.79 and 71 cents on a monthly basis. Yeah, and I didn't know my wife.

Starting point is 00:40:16 Wayfair and Walmart. Oh, another I didn't know my wife. So three times in a row, I don't know my wife. Okay. Yeah, this marriage is going so well. We are very lazy to go to the market. And she cuts to work there all the time. She's like, well, if you're not going with me, let's just to a pickup.

Starting point is 00:40:32 I thought that the pickup was always on debit. And I really, really started looking everything again since November last year. So I didn't have too much idea because I didn't have time. Like sometimes I go to work at 7 a.m. And I'm coming back 1 a.m. And I have to be up again the next day. Well, she can't be lazy. If she's taking all this time off, during the day, she needs to go to the grocery store.

Starting point is 00:40:54 Charity picks up groceries for other people. She can do it yourself. But I say to her, like, why you're already there? Why you don't do it? She's like, well, you're not here with me and, you know, blah, blah. And what? Make a fucking list. Or adults.

Starting point is 00:41:04 Yeah. It doesn't matter if you're there. We tried to do list, but she want me to be there as well. Oh my gosh. Is she incapable of fucking surviving? That she just like had to me around. And when I'm around, I get more stuff. No, that likes to.

Starting point is 00:41:16 And that's fine. That's fun. You still got to do the basics. Yeah. When we don't get what we like. But I don't like to go because I kind of. I always say, oh, yeah. How are you guys surviving together?

Starting point is 00:41:30 Just take like the more expensive because it's going to be better. or let's take of two of those because then you don't have to come do a lot of trips and everything so I tried you know like sometimes you like when me to go sometimes you just to the pickup and not say

Starting point is 00:41:45 and I always ask like hey if the pickup like has some the grocery more expensive they make more it's like no just if you deliver I'm picking up so it's not that expensive okay well I don't want to fix that that's not I'm not talking to you

Starting point is 00:42:02 and that's the other thing I wish she was here because she will Why is she? She's shy. She's very shy. Like she's very, very shy.

Starting point is 00:42:13 Like, she, I don't have any pictures with her. At all almost, almost, I don't have any pictures with my wife. It's a little weird. Okay.

Starting point is 00:42:21 This is another clarna. Wait, I'm just, what am I looking at? It's this endless, you had lighting lane. This is another, this is a new Walmart one.

Starting point is 00:42:30 This is 33 bucks. You're not even going to put that down. For Disney, right? I don't know. You tell me I think it's like the thing that you don't have to be on the line And then you just jump because our parents are like plus 60 So they will not be too much waiting on the line

Starting point is 00:42:47 I see PayPal but I can't even see what's like owed on it What's owed on PayPal? I see all that's the purchases on PayPal Nintendo, Hulu Best Buy Like what's owed? I don't know Or is this a PayPal like checking account?

Starting point is 00:43:04 I know Do you owe money? How do you... Buddy, I cannot fucking help you if you can't tell me. But the thing is, I just know about this. PayPal paying for. I don't know what you currently know. When I applied to the show, I had to get my wife phone when she was sleeping to pick everything.

Starting point is 00:43:19 Like to get all her stuff. Why? Because I... Because she won't do it. Like, she would just lie for me. She is. So what the fuck? Why?

Starting point is 00:43:28 Why is she not willing to change? She is willing to change. What? I think she expects me to do it. Like... That's impossible. If you don't even know what? her spending is, you can't fix that.

Starting point is 00:43:37 That doesn't make sense. We had three accounts in a row where it's like, yeah, that's secret, my wife. What? She's not, like, doing it behind my back. I just thought that she was doing it on the debit card. Like, she told me, like, I'm going to... But even still, that is behind your back. I don't think so.

Starting point is 00:43:55 That's behind my back. But she's still saying, I'm buying this and that, but I just thought it was a big debit. Okay. Okay. And that's one of the things that I'm very like, you say we're not competitive, but we are very competitive. Like we are. But what is this? Wife mom.

Starting point is 00:44:15 Yeah, she sent money for her parents in Brazil. Special bonus document? That's a... What is this? She sent money to her parents in Brazil. What? But this is what? You don't have money.

Starting point is 00:44:31 Yeah, but they need help sometimes. No, no, no, no, no, no. And I, so, I saw, I saw that much. They need help sometimes. I get that, but you, you help. Oh my gosh, like, I don't know what to do because. And I'm very, but stop! I don't need to hear things.

Starting point is 00:44:50 You need to hear this. You need to hear this. Fine, tell me. This fucking critical information. So, her parents. She's trying to fucking think for a second, but okay. Her parents live. her older brother.

Starting point is 00:45:05 He's 34. He do a very good money, but he doesn't help at all at house. Okay. Then your mom, then your, your, your,

Starting point is 00:45:11 your, your fucking wife needs to stop. That's what I told her. Okay. Well, again, like, what the fuck am I doing here?

Starting point is 00:45:17 Because I'm talking to you. Yeah. Do! I want you to, you know, I don't want you to agree with me saying that she needs another job or something like that.

Starting point is 00:45:29 Well, she needs to stop spending this. Sending it? Like, it's hundreds of month. And I didn't know. I, I just don't know.

Starting point is 00:45:35 about this either. No, that's a app. That's a different app that you have to spend. What, she was hiding this? She was never hiding. She's like, oh, I'm going to say. Did she tell you? Yes, but now. The dollar amount. No. Then it's hiding. I just thought it would be $100 per month. No. When I got her phone secretly and I had to go through all of that because I went to her conversation with her mom just to see the screenshot that she sent like, hey mom, I send this, I send that. And then I find out what kind of app that she was using. What do you want me to do? Hey guys always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this.

Starting point is 00:46:14 Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. They end to be clear, they're not a brokerage. Blossom is a completely free social media.

Starting point is 00:46:33 platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in, and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together.

Starting point is 00:47:09 Seriously, right now, you can actually see what my portfolio looks like today. She, I need your help to go through all of this. I need your help to make a budget and to pay all of that and put my, and of course, when I do that, I will feel my life will get more together, you know? That's what I need. I really need her to understand that we are not in the good, position right now, like we've worried in the past.

Starting point is 00:47:37 And I think the only thing is right now is she's kind of seen that we are not going too well, but she expects too much on my back. I feel I have a lot of pressure in my back. Do you want me to fucking do? Like, is this event session?

Starting point is 00:47:53 Like, okay, cool. Talk to her, dude. Like, I don't know. We try. Then you guys are incompatible. Leave. No. Then what do you work? What is? After here, maybe, you know, this is the budget we had to do. So we had to work like this. Or maybe if you get another job or if you work on your resume with and I get another job.

Starting point is 00:48:11 But I told her I cannot get another job because even if I get paid late, I still get that amount of money. But we just had to work around that. But she does like maybe last year 30,000. And then that's the only thing that I know. And then I put it like, I do the math. Yes, the math adds up. That's what you guys made last month. I don't know, dude.

Starting point is 00:48:33 Delta Sky Miles Gold Card. I mean, this is an insane balance. This is the thick balance so far. $3,8.98.2. Yeah, that's mine. Yeah. There's, okay. So maybe it's not all your wife, you little tit.

Starting point is 00:48:47 But it's us together. It's not her. Well, do you just say... It's her to be not changing jobs and understanding my side and maybe help me. But it's not, you know, her file, not... I cannot spend $3,000 by myself, I think. It's both of us. You, bullshit.

Starting point is 00:49:05 Huh. You don't think you can spend $3,000? By myself? With what? Like, there'll get a nice TV. Like, this is, you can spend $3,000 like this if you want to. What the fuck are you talking about? Yeah, now you're saying TV.

Starting point is 00:49:18 It makes sense because I do get a, I got a big TV. Well, there are you. Like I said, I once, I never, ever, ever have a power. Hey, how long does this take to pay off? Minimum monthly payments only without purchasing on it. Which, by the way, you're basically the credit limit, so I know you're incapable of. Three, four years? Three, four years.

Starting point is 00:49:42 Yeah, 14. Yeah, 14 years. Yeah, 14 years and no more retirement, no compound growth. No, anything. Yeah, three years. No, 14. You are a fast mover. Please have a seat right there.

Starting point is 00:49:56 That's a lot. Yeah, it's a lot. You're going to be in your mid-40s. Yeah, I'd say it's a lot. I think there's a lot of feeders as well, because when we were putting the cash together to bring her parents here we had to stop

Starting point is 00:50:09 I don't need to pay that I stopped paying the credit card Well then obviously you could have Fibing Ford to do that dude It is as simple as that I'm sorry Listen I understand why you did it It is something I would have tried to make work

Starting point is 00:50:20 You couldn't That is that But they wouldn't be able to pay your Fibills You can't do that But she Oh my gosh But you

Starting point is 00:50:31 But yeah But after that We would like we had to work more, we had to do this. I'm starting to get annoyed. And then my boss starting to give me day offs because he was like kind of

Starting point is 00:50:44 knowing that he would not be able to pay me the full day and everything. So that really, really really. You need a new job. Yes. Okay, congratulations. We've learned this. $103.74 of interest accrued to one month alone. You're going to lose $1,200 on that. In one year,

Starting point is 00:51:00 it's a 30% interest. Like $1,200. Yeah. Fees? Well, interest, interest specifically. That is a fee, right? The way you think about fees, yes.

Starting point is 00:51:17 The way you've used the word fee, sure. But a literal fee, no. But. And then on top of that, do you have more fee? If you don't pay on time? So if you bring them again and you decide not to pay, then yes. I'm not doing that. Okay, $1,100.

Starting point is 00:51:35 $1,013 on this and $7.7. Blue Cash Everyday card. What's up with this card? Well, that one is, I had to pay like tires and... Because you didn't have an emergency fund because we haven't been responsible once with their money. Because also, by the way, you've purchased $30 on here this last month. I mean, you're still purchasing. You're purchasing plus interest to agree and your balance went up.

Starting point is 00:52:00 Your balance went up. Oh, we're over the credit limit. Yeah. Yeah. Yeah, it's all her fault, right? No. All her fault, yeah. All her fault above the credit limit.

Starting point is 00:52:09 Yeah. That's my. Yeah. Yeah. This is what happens when someone brings something, someone on the show and they're not able to, like, you didn't, you guys didn't come on together. You came on. It's just like, oh, I'm the good one. I'm the good one.

Starting point is 00:52:19 It's all her. It's all hard. No, fuck you. Look at this. You're above a credit limit. But it's us together. I don't. What do you mean?

Starting point is 00:52:26 Oh, let's find out. It's us together. So. What? This? Cash app? Cash app. That's what I'm fucking.

Starting point is 00:52:35 It was cash. I have $30.90. Probably to pay something. I don't remember. Probably to pay something. I would think so. My pace. Does it say how much your cash app?

Starting point is 00:52:45 $30. I was about to say if it's a tip for someone, but that's too much for a tip maybe. Depends on what it is. It might be tip because the only thing that we use VIM or Cash App is for tips. And I... And you do it on a credit card? I remember. Someone needed gas on a gas on a gas.

Starting point is 00:53:05 station and they asked me for So you go above the credit limit They asked you so you did it It wasn't you both it was you You did this You did this You It is you too

Starting point is 00:53:15 Yeah it's both I'm not saying it's both Sure but you've only put everything So far on her This one This one Being over the credit limit is you I just know

Starting point is 00:53:27 This one on this credit limit Is you You This one This one The $32 dollars yeah With me Yes, the above credit limit credit card is you.

Starting point is 00:53:41 But. Oh my, oh my goodness. Oh my f***. What do you want? I'm going to punch the beard right off your face. What are you talking about? I do understand that 32 cash app, whatever, okay, was over the limit. But we had to use it because I didn't have money to fix my car to go back to you.

Starting point is 00:53:58 You didn't have to send money to someone for their own gas. I felt bad. Yeah, but you didn't have to. But I felt bad. It was a family. congratulations. Yes, a little empathy. I love it.

Starting point is 00:54:11 We all love it. It puts you above a credit card limit. You will never have a chance to retire. You'll never have a chance to be successful in this country. You will never have that chance. If you keep putting that over, listen, help everyone. Help everyone.

Starting point is 00:54:26 But the best way to, hey, no, don't open your mouth. I don't want to hear it. The best way to help others is for you to be in a financially sound place because then you're able to help others for us. ever instead of barely being able to help people now. I get it. Do you? I do get it.

Starting point is 00:54:44 Of course it makes sense. Then why the fuck don't you do that? Because I think because the way I was raised, we didn't have money. I was sleeping on the floor and whatever, whatever, blah, blah, blah, all of that in Brazil, we don't have money for anything. So when I see a family that needs gas to go home. Yes, there's your heart. Congratulations.

Starting point is 00:55:00 I'm not against the heart. I'm against the dumb assery. But even, I can't say no. if I put it on the credit card and just see that's my... But fuck you. How about that? How about that? That's a good butt. But fuck you. Water rebuttal. You just can't afford it. You're above a credit card limit on there.

Starting point is 00:55:20 I love the empathy. We give, we give, we give, we give. But the best way to do that is by being in a financially sound place, so you're able to give forever. Instead of just putting yourself over the credit limit. Now you can't anymore. You prepare yourself. You live a... Mm. Dude, you're ruining it. You're ruining it. You're ruining it. You want to get rid of the tits? Good luck.

Starting point is 00:55:42 I don't know how you can afford that. You're over the fucking card of limit. You're just fucking it. 35,000 hours is how we started this conversation, wanting $35,000. 35, what? For the eggs and for the boobas. Eggs? Oh, oh, okay.

Starting point is 00:56:00 Yeah, yeah. That's what I need. I want to say eggs, I didn't like over or something like that. Yep, yep. That's what I really, my goal in the next. two years maybe. Yeah, well, you're not meeting. They're not even close.

Starting point is 00:56:11 You'll never get there. You'll never get there. You'll never get there. That's why I'm here, just so I can get there. That's why I'm there. Oh, that's why you're here. Yeah. There's a catchphrase.

Starting point is 00:56:20 $83. 32 cents with a $23 minimum monthly payment on this. Another blue cash? We have two blue cashes. One is mine. One is hers. So.

Starting point is 00:56:35 Congratulations. You're the one over the credit limit. She's not. Your minimum. payment, oh, 4141.68. 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.

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Starting point is 00:57:14 The name of the person, regained me the deal. Additional terms, conditions, and restrictions apply. Didn't write it down. And she didn't purchase. She didn't purchase. Because you did. Or you did. You did.

Starting point is 00:57:30 You? Well, there's not a way to see if it's mine or hers. Maybe that one is mine and that one, the other one is hers. And I'm just confusing. You don't know who the f*** as well balances? No. Oh, good. Yeah.

Starting point is 00:57:41 The one who's going to be financial response. responsibly running the house. I was 2021, 2021. Yeah, maybe bring that back. That was very good over that, to be honest. Yeah, used the same

Starting point is 00:57:53 skills. Did you lose them? Have you become like, what's happening? It's just because I think what I put in my head, I'm like, oh, I'm doing so much money right now. I can do this.

Starting point is 00:58:01 I can do that. I can pay for this. I can pay for that. And all those credit cards was coming on the mail. I'm like, oh, yeah, my credit is good. And let's do this and that. And soon when she got her papers,

Starting point is 00:58:11 she applied for credit cards. And then, you know, everything just went for there. There are vacations. Like, oh, yeah, we're going to do a vacation. Let's do a new credit card and put it everything there. Like, 2020, we went to Orlando and that's where I have to do. So this is a different trip? Yeah.

Starting point is 00:58:28 And the one of me talk. Yeah. With Orlando. Disney? Orlando? Universal. Yeah. How much does that cost that trip?

Starting point is 00:58:36 I don't have no idea. I just put everything on a credit card. I was supposed to be less. But when I got home and I saw the course. credit card, I'd be like, oh, because we had to rent a car and in hotels and the tickets. Oh, stuff. I don't know how you guys have made it this far. I'm well done.

Starting point is 00:58:53 Making it this far. Interest is accruing on this like crazy, of course, and blah, blah, blah. It's all f***. I got to continue. There's so much paperwork here. What? I heard you open your mouth, what? No.

Starting point is 00:59:06 I was just saying that a lot of credit cards there, it's my little treat that I like. To eat chocolate. I'm a big chocolate here. We have 60,000 hours of chocolate? But at least, at least, I don't know the math on top of my head, but I am person that I need at least six or seven, 10 bars of Hershey's per day. What?

Starting point is 00:59:31 Yeah. I will wake up three in the morning and go to the gash and buy three bars of Hershey's. What the fuck? Yeah. Is this my strange addiction? What show am I on right now? What the fuck are you talking about? Why Hershey's out of all chocolate?

Starting point is 00:59:45 It's like the worst. It's not. It's the best one. What? Yeah. It's the best. It is objectively the worst. We had like a blind chocolate taste test in our, in our membership.

Starting point is 00:59:56 Yeah, it was the worst. And that one, people pick up that one the worst? Yeah, because it's the worst. What was the best one? I remember, but not Hershey's. No, the Hershey's is good. There were three that were better than Hershey's. Hershey's is not good.

Starting point is 01:00:11 I liked them. Hershey's are not good. Yep, the king's size, they're better. And I have a little thing that... Well, because it's more, sure. You know, one thing that I explained to my wife, and she thinks I'm crazy because it, Hershey's is only bad if they are about to expire the next seven months. What the fucking I'm talking about.

Starting point is 01:00:27 It is crazy. What the fuck? So look when that expired. I'm assuming they got this for you, but you probably don't fucking need it. I obviously don't need it either, but... If you look at the... expired date, it will not melt on your mouth if it's about 6%. I'm not milk because it's probably barely even chocolate.

Starting point is 01:00:48 I'm being for real, you have to buy the Hershey that is about to expire in one year. Like, I go gas-a-dude. Dude, this is shi-chlorat. Because you probably-look at me, I eat everything. Look, look where it expired. If it's not saying, like, 2026, it's bad. I hop to gas station to gas stations to find the new ones. Dude, you're weird.

Starting point is 01:01:09 I mean, it has, it's a lot of ingress. for just chocolate. I never see that so I... Like, this is not that good. That's where as chocolate goes. Now, since it's the only thing in front of me. But again, when is gun inspired? Oh, f-

Starting point is 01:01:27 Just see it over time. No, I'm looking! Probably had to... I'm looking! You don't shut up! You're not looking right. Okay, where would I find it? Hershey's expert. Yeah, yeah, right there.

Starting point is 01:01:41 Yep. Open, trying to see if that guy's kind of blackish. He doesn't. know where it is. 2026. Oh, that's a good one. And it still tastes like... No, it doesn't. I'm bad that doesn't.

Starting point is 01:01:57 Open your mouth. Almost. It touched your tongue. Thank you. Capital one. This is a good one. Oh, it's melting on my mouth. It's chocolate. Chocolate melts in my mouth. No. I think it would be bad if it doesn't. If you buy Tick-Tick-Tac.

Starting point is 01:02:18 Ticktack? Ticktack? Ticktac's not chocolate. It kind of is. It's not good, though. It's not kind of chocolate. It doesn't melt. It's not chocolate. It does. No, it doesn't. Wait, what the fuck are we comparing Hershey's to Tick Tacks?

Starting point is 01:02:34 Kit Kat, yeah. Well, there's bread in it. Nah, that's probably bad, but Riezes is my second one, so. But I also have to buy always. It's going to expire the next year. Yeah, Ries is good. I love. Yes, I called Wafers Bread.

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Starting point is 01:04:57 $804.41. That's probably hers. Okay. So what's going on? Do you not know then because of hers? I mean, I don't really. I always thought that she was paying her credit card, at least the minimum payment. She is.

Starting point is 01:05:14 She lives on my Amazon. She loves Amazon So When I was living with my mom I was seen every day Package like stuck and stuck And like building building everything I'm sorry

Starting point is 01:05:27 Building build and build it Like in front of my house I'm like hey why do you need this? Why do you need that? Why are you buying this? Why are you buying that? For an example She loves sweaters

Starting point is 01:05:35 And to go to Georgia Okay She likes it Especially when it's You know Kind of chilling and everything But it does get chilling

Starting point is 01:05:44 In Georgia Can ask the question? Yeah fat? No. Okay. That's fat people like sweaters.

Starting point is 01:05:49 It makes us look better. But she's shocked. It's too hot in here. Do you think it's hot in here right now? I'm cold. No, Austin. Oh, okay. It was cold last night.

Starting point is 01:05:59 Just in general. But, so she does a lot of like small purchase on very cheap stuff that can break and then she would still buy it. Like sweaters. She likes to buy it like the cheaper ones to go to work. But she was buying every other week because when you go

Starting point is 01:06:15 and wash them, they kind of like go small because they are very bad. And I'm like, look, instead you're paying like $15, $17 for $304 every two or three weeks, just go and buy like a new, like a good one, a good brand. And then I will not shrink when you're... This is not my biggest concern. I mean, we'll see.

Starting point is 01:06:36 There were no purchases in there. Your capital one. Mine. Right? Platinum? Yep. Might be. Okay. Well, she learned how to...

Starting point is 01:06:45 send a statement and you learned how to send a screenshot oh no it's hers okay so my statement it's mine and hers a screenshot what's the minimum to payment 88 bucks okay and that's what i screenshot it because i didn't know too much how to 5778 hours and 28 cents owed everything this is f*** thick what this apple oh yeah that's the worst they are the worst one they have the worst interest like maybe we don't do it you You did it, dude. Listen, you're not a credit card person. I mean, I just thought it was nice.

Starting point is 01:07:19 So the Apple, my side Apple was, and this was when my dad passed away. So I had to run to Brazil. Put it on an Apple card? I didn't have money savings. Okay, $53 minimum fee payment. Listen, when? When? So this was...

Starting point is 01:07:40 It takes 20 years to pay off. Oh, shit. So, yeah. That was 2020 when my dad was. pass away and after our balance has been that high for four years it's more more fee

Starting point is 01:07:53 there's more fee interest but it's still if you're making your minimum fee payment it still goes down but I stopped doing that you stop making your payment because I need to pay money for a vacation dick that's not how this works that's the only thing I have no like that's the only thing I told my wife like look

Starting point is 01:08:11 this year's going to be this after we bring your dad we have to your mom we have to stop sending money to them works guys. So we stopped sending money to him, but it's always like, oh. No, you have it. I just seen, I just went through a statement. Remember? Remember a fucking couple statements ago? The single little statement that Jake brought out? Remember that? No. Money has not been stopped being sent. I thought it was. Because you guys are great. She also paid her mom credit card and I didn't think off that.

Starting point is 01:08:41 Not even paying your own barely. I think people in Brazil think because we live here and then they think we have a lot of money, but that is not true. Americans do have a lot of money, but we have a lot of spending, but that spending part is a choice. Costs of living is higher. That's less of a choice, but still, we do have more margin here. We still do have more margin here. Listen, you can break down most of the top countries. You break down Germany. You break down Canada. You break down the United Kingdom. You break down France. You break down the United States. They have a lot of things, right? They have a lot of things that a little higher taxes, but they don't have to take care of health care or health insurance. They don't have to take care of all this stuff.

Starting point is 01:09:17 So you think, okay, maybe Americans have a lot of money, but it has to go towards all this stuff. So if you break it down on a mathematical median percentage wise, we still have more money left over after all expenses, even after all taxes, after all expenses, then everyone, uh, well, there's obviously some smaller countries that have crazy, uh, incomes. But we have more money left over than our competitor countries. So we are known for having more money and they are correct than that. We have more money net left over. But you

Starting point is 01:09:50 chose to go to Universal and spend you don't even know how much money. You've chosen to fuck around. You guys chose to stack Amazon boxes to the rooftop. That was your choice. Are they entitled to your money? No.

Starting point is 01:10:06 But you chose to blow all the money. I did feel good at a time. No fucking shit. I did feel good. Just like your fucking 3 a.m. candy bar. Like, yes, no shit. Why don't you just buy a bulk instead of going at 3 a.m? That's so weird. Because then I eat more.

Starting point is 01:10:23 Oh, my gosh. So you have no self-control. About chocolate? No, I don't. I really don't like. Of the chocolate? It's not shitty. It is.

Starting point is 01:10:32 I mean, if I do Brazilian chocolate, it's way more bad. Like, do it at home. But, but, buddy, we have endless chocolate here. Man. You can fucking get European chocolate here, and it's great. It might be more expensive, too. Yeah, it might be, but at least it's not shit. You're going to still spend knowing you.

Starting point is 01:10:50 I love it. They want me to give you another piece, but you don't deserve it. I do. You've not been good. I've been a good boy. Yeah, I've been due. Okay. Let's not say that.

Starting point is 01:11:03 Let's not say that. Okay, Truest. What's up with this one? Is that a credit card or? It's a credit card. Because we have our bank, so our bank is true as well. so I don't know. Okay.

Starting point is 01:11:16 So that is mine. Okay. Well, you're only $145. I don't know why the fuck we're not paying that off with your strong income. It must pay off. You only make your minimum fee payment. $20 minimum to payment. It might be...

Starting point is 01:11:26 Interest charge $3.73. So what is up with this? Why is it not just paid off? I put auto paid so just a paid minimum and... Sure, but why not just pay it off? You make the money! I've seen that much in spending so far minimum. And I know we have yet to get to the spending because...

Starting point is 01:11:44 Oh, I, because I always think if I do paid it off everything, I will need the extra money to pay one of our actually bills, like the bills that we have to have to live. What the fuck is your rent? 17. Okay, so you have plenty left over.

Starting point is 01:12:01 And then. So, what bills? I'm just afraid not to get paid or she's not doing that much. Because if it rains, she doesn't work. Yes, you need to stuff money aside because if you're going to stay there, you need to have a chunky emergency fund.

Starting point is 01:12:14 You've been there for four fucking years. Maybe you've been an adult. My gosh. We never talk about that. And that's bad. Trading at Schwab is now powered by Ameritrade, giving you even more specialized support than ever before. Like access to the trade desk,

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Starting point is 01:12:57 it's fucking stupid. It is. We realize that because my mom So I don't give a fuck. Congratulations you're here. Yeah. You don't have to. They might go to now. Not right now but before we like because

Starting point is 01:13:12 when we my dad passed away, I was 100% helping my mom in Brazil. Yeah. Because she, my dad passed. And I would do the same thing. It's the entitlement to it that I don't like.

Starting point is 01:13:25 She's just working right now after 20 years because my dad was a type of guy that oh yeah, a woman doesn't work and all of that. I'm the man and blah, blah, blah. But my dad was not a great guy with money as well. Very, very bad decisions that made us going to sleeping on the floor and my mom making me go bed hungry when I said, bed early. I get it. I get it. I ask you why you haven't paid $143. I don't know when we ended up with sleeping on the floor for the fourth time. I get it. That's sad. I do empathize with that. Why the fuck haven't you? Why not prevent heaven to sleep on the floor again? How about we do that?

Starting point is 01:14:00 Okay. So when I thought, and this is kind of dumb right now, it's dumb after, you know, being here and or watching your show, I thought when you make the minimum payment, there's no fee on that or interest in the fee. I thought you if you... What? Because in Brazil is like that, and I know this is not Brazil. You've been here for a long time. Yeah, but I always pay my stuff off, but I'm like, okay, let me just put it off. Before marriage. Before.

Starting point is 01:14:26 You've been married for five years. Yeah, I've been here for 10. So this excuse holds no fucking wait. And I only had a credit card first time because my sister told me it was a good idea to do the credit one. I mean, you just blow past what I say. IRS, yeah, here it is. Yeah, we saw this coming. That's that.

Starting point is 01:14:48 13,000,290 and 68 cents. Last week, we just saw that if we own X amount of RRRAS, my wife can not be a citizen. Maybe. Well, yeah. Honestly, fair. Yeah, of course.

Starting point is 01:15:03 Paying taxes. I'm paying monthly. I'm paying them. You're paying your past taxes. Yeah. You're negative. You have no money. You spend more than you make. There's no way you're paying for your. your 2024 taxes.

Starting point is 01:15:14 Good luck. So no, you're not paying for your taxes. Yeah, I'm scared about that too because again, we didn't put any money on side and, um... Yeah, and you still don't.

Starting point is 01:15:25 I didn't. It's not, we didn't. It's you don't. You do not. It isn't past tense. It is present. It's hard. Okay, it's hard.

Starting point is 01:15:35 It's hard. Yeah, it's hard when you fucking spend 14,000 hours when you make time. But how are we able to spend that? It's 8,345 from 22. And then 4,954 from 2003.

Starting point is 01:15:48 Okay. Crew failure to pay penalty. Are you fucking kidding me? What's your monthly damn payment? Only 140, 150? Yeah, let's allow that interest to accrue. Even more.

Starting point is 01:16:02 I'm going to mark it as 150. Stupid, dude. Why allow the interest to accrue even more? I didn't know it. I thought like it was a, one plan thing. Huh? I thought it was a one plan thing.

Starting point is 01:16:15 Like, you, if I did, like if I own $5,000 and... You can pay more. I know, but I thought... So why? I didn't know there's fees if I just paid the minimum. Buddy, you've been here for so long. All you have to do is look at one statement ever.

Starting point is 01:16:30 Do one Google search ever. Well, no... I never did that. No fucking shit. That's what I'm saying, dude. That's what you're copying what I'm saying. Okay, Kia 4. Yeah, that's a bad decision.

Starting point is 01:16:44 Yeah, it hasn't been one good decision in here so far. I don't think so. But that one's the worst one. Less than paying our taxes? Preventing us from potentially being able to stay in this country? No, I think that would be the worst. Well, that car, I only had to buy them to work. Because I had a corolla was paid off and everything, but I got in an accident that for some reason.

Starting point is 01:17:07 Do you have an LLC? Do you have a business? No. You don't even have a fucking business. I try to talk with my boss like, hey, do you think it's a good idea? He'd say no. Your boss is like borderline actually stupid. He doesn't pay you on time.

Starting point is 01:17:18 You trust the guy that doesn't pay you on time. I trusted him until last year. Oh, my, dude. I'm buddy. I'm sorry. I'm, yes. Yeah, I know. Yeah.

Starting point is 01:17:26 But, and he promised me like, hey. Because if you bought this business expense and it's actually accurate as a business expense, there's things you'd work with your CPA. It would dramatically lower you. And she doesn't do anything. Yeah, you need a business expense. CPA? Do you have no agency? Are you incapable of doing anything? Like you just say like no one's willing to help you're not willing to have a conversation nothing. Everything is out of your control apparently.

Starting point is 01:17:52 But I asked Judge P.Tee. When things bad happened to me, I do about it. I will never understand this lack of effort. I just thought it was normal that that's the only thing that we had to do because I, I trusted her and she looked more professional than me. Why do you just trust people? It's not If you not have that education You just have to trust None of us Have that education

Starting point is 01:18:17 It is a very small minority That I have financial education None of us I didn't They didn't Your wife didn't No one that I work with As far as I know

Starting point is 01:18:27 Had any financial education We learned it Because we put in the effort So I tried Like last year I tried to Ask About like hey

Starting point is 01:18:38 Do you think it's a good idea? it to do an LLC with my condition and I work with this and I put all my stuff over there and then and even that saying that was kind of the same thing being a 1099 so I'm like why I'm going to do LLC if I'm not going to be with this guy well it helps with organization like it's it is the pass through and LLC is a pass through I have no idea what is that okay I have no I have a lot I'm just like listen you owe $479 dollars what's the car worth 6,000, I think. Because that car today in Atlanta is one of the most, like, people rob there.

Starting point is 01:19:22 So after a couple months when I buy, I got this letter from Progressive saying like, hey, we're going to raise your entrance. It's worth $10,000. It's worth what you owe as far as we can tell. But I bought it from Carvana. And when I do like my little... That's a bad decision. Yeah. When I do like put it all my information, put the miles and everything, they say like it worth $6,000.

Starting point is 01:19:46 That's what they want it for us. So they can sell it for hire, Carvada. We put in your VIN and the information. We got 10,000. Well, it's someone, we got in an accident. 400. Yeah. Two accident in one week.

Starting point is 01:19:59 But did you tell us that information? So we put it in? We put in the information you gave us. And we have $10,699 private sale. I didn't know about that. And I don't know about anything because you won't look. I look on Carvona, like the place that I bought and they say that. Carvana is a fucking machine that buys your car for way under value so it can sell it for overvalue, honestly.

Starting point is 01:20:26 But is that like all dealer, dude? Like they're going to pay less? Use cars, yeah. But Carvana, that's an entire business model. Well, knowing that. Okay, what's it as well as Fargo? It's under the car. What's this car?

Starting point is 01:20:38 What is it? What type? What is this car? CHR Toyota Year That is 2021 You guys got cars That you probably could not afford

Starting point is 01:20:49 That was the 90% interest What was the interest in the last one? 20 something I think No No No? Yes maybe I don't know

Starting point is 01:20:58 I'm just saying Fucking kill me On the Kia 20 something percent interest Yeah What are we doing? I didn't have it Man

Starting point is 01:21:06 Then you don't get it But I didn't have a going to work. How I'm going to work? I need that car. And when I try to, like, what did you buy it for? What? Price.

Starting point is 01:21:17 Um, 20. Yeah, you didn't need a 20,000 hour car. Something. You didn't need a 20,000. It was, but it was so expensive. It was really hard, but you put in the extra effort, man. Because I assume, listen, when everyone, everyone complains about it was the car market. Yes, I said, it's accurate.

Starting point is 01:21:34 I made a good down payment. But also then I just fucking asked them. And then they tell me they go to one dealership. And I'm just like, okay, well then, yeah, you deserve it. Listen, on this stupid-ass, 9% car, $13,663.14 is owed with a minimum monthly payment of $539.53. She has a higher minimum of the payment and balancing you, even though she makes less money. At least, we never are late on that.

Starting point is 01:22:03 Okay, congratulations, bare minimum effort. Yep. at least this apple card does she have an additional apple card she does why is he in collections because she doesn't pay

Starting point is 01:22:17 for many many years that was the card that we had to put all our doubt payment for the house and when we moved when we moved like from that big house and we got back to a smaller apartment

Starting point is 01:22:34 we also put everything over there and then when we moved to this apartment and January, 2004, we had to move again because three pipes got bused. What are you saying, dude? Just what the fuck are you saying? A lot of moving was on that card because stuff happened. Congratulations.

Starting point is 01:22:52 Don't be a fucking dumbass. We all move. I've moved once a year my entire life, except for once where I stayed somewhere for two years. I like not to move, but since 2021, we have to. Right. Then you make money. It's inconsistent, but you make. it. You just budget correctly around

Starting point is 01:23:10 that. Oh, it's just so much Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Oh, my gosh. And they're also fucking, they're not cheap. They're not cheap. Do you guys share it an account? Yeah, it's my phone. Pull it up, pull it up. Can I pick a iPhone? Yes, please. It's going to be her phone. I don't care. I really go to a restroom. Can I go? Copie. I'll look at your Amazon.

Starting point is 01:23:53 Go fucking pee. I have a little tinkle. Sox. Long sleeve workout. High waisted workout. More socks. Hair care. Cat treats.

Starting point is 01:24:07 More cat food. Cat toys. Cat. The lounge thing. Cat toys. Cat litter. Okay. It all goes to cats.

Starting point is 01:24:18 Okay. More clothes. More clothes. clothes, more pet things and cat stuff and cat stuff and cat stuff and cat stuff and cat stuff. My gosh, this is crazy. Shampoo, meal prep bowls. Cat stuff, cat stuff, cat stuff, cat stuff, cats stuff. They really are gays.

Starting point is 01:24:39 Okay. My gosh. So, probiotics. Bloading. Someone was bloating. Gloves and jackets and, yeah, I mean, it's just, but so much cat stuff. I don't think it's 100% needed. Obviously, we want.

Starting point is 01:25:02 Yeah, I'll save it. Oh, my gosh. Ladies and... Gentlemen, I just look down. The checking account started with a negative balance, and it ended with a negative balance, with $9,000 going in and out. What the fuck are we doing here?

Starting point is 01:25:21 Mush it out! Oh, Sherry, I'm not sharing chocolate with a... Can wash your hands. Sit down. I don't trust that. What the f***. Are we starting with negative in our checking account and ending with negative in our checking account? Get right up on that, Mike, because you're quiet, remember?

Starting point is 01:25:46 Yeah. Am I negative my comment right now? Like, oh, my, fuck. I mean, I know sometimes we might be because I didn't get it. But you ended and started negative. When I... Oh, my. You started negative $44.64.

Starting point is 01:26:02 And in negative $3.23.28. You have fees. Let me guess. That's an overdraft. It has to be. Has to be. Guess what? We went to a steakhouse.

Starting point is 01:26:11 Thank goodness we went to a fucking steakhouse. We had to go to a steakhouse. We had to go to a steakhouse. We wouldn't be able to survive if we didn't go to a fucking steakhouse. Well, if you see the- Zelen out of $1,000. If you see- We didn't got some bull-

Starting point is 01:26:23 Donky donuts. Lottery? Lottery? It's not my. Lottery? Well, it probably might. Yeah, it's probably my. But that cheese-de-house.

Starting point is 01:26:31 It's probably mine. Because we both like to do that. Are we gambling? We're gambling to try to fucking pay for the tit removal? Brazilian Bakery Well that's Xel is $1,300

Starting point is 01:26:44 But Zelle is for my Our own account Together that's a What account? But that's when I I get my check phone You went in and I got some bullshit

Starting point is 01:26:54 Starbucks Brazilian bakery Winning got some Bulls Starbucks I need to eat So Oh my I'm gonna

Starting point is 01:27:02 We need another fucking I Why should I say That's not too horrible. Something that fucking... I can do.

Starting point is 01:27:14 You see, that's why I get chocolate. When I'm nervous, like you, like you're... You're nervous because you're a dumb with your money. Well, I'm nervous when I... Lottery! Lottery!

Starting point is 01:27:26 Victoria's Secret! That's for my wife. It's probably for her. Yeah, of course, I don't use it. I can get her stuff. Presents. When she needs to use pennies, like real lines, ones, and everything.

Starting point is 01:27:40 I want to see her, like, The intent is to take them off. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen. With millions of deals on flights, hotels, and rental cars,

Starting point is 01:28:00 you can go see the game live. Don't just dream about the trip. Book it with Priceline. Download the Priceline app or visitpriceline.com. Actual prices made. vary limited time offer anyway so why does it even matter winning and got some bull Brazilian bakery Brazilian bakery

Starting point is 01:28:18 Zellin out money ATM would draw 162 who knows what the f fift that's for there's the fee winning got some B S Paradise Zelen out Zellin out Pater Express Apple Bill Yeah I I eat a lot of on the It's

Starting point is 01:28:36 I do meal prep once I'm working only at the office because they have microwave, but most of the time I'm two hours away from my house. Oh, those cheeky little producers. We got you something that you fucking

Starting point is 01:28:49 really love to fulfill your addiction and it ain't the chocolate. In this case, we got you a special little scratch off. Why don't you scratch it? Let's see what you win.

Starting point is 01:29:01 Let's see what you win. Oh, here's a little coin. Scratch that. Scratch that. Maybe you can pay for the big old surgery. Let's see. You are so fucked

Starting point is 01:29:18 And yeah Okay That's true True Okay I don't think there's anything else under there Starbucks Zelling it out Gaines a bull-f Zell

Starting point is 01:29:36 Banda Zelle Getting some BS Cloud 9 smoke That's probably when my mom was smoking Yeah she stopped On New York car Buddy this is a month ago

Starting point is 01:29:49 She's probably Yeah she stopped like a month ago because she had to surgery. How does your mom have your debit card? I was with her and she probably didn't have money. Then she said it. You didn't have money. But she paid me.

Starting point is 01:30:01 Yeah, she paid me back. But my mom, she stopped smoking after, you know, all of that. Brazilian bakery. Yeah,

Starting point is 01:30:14 it's pretty good. Oh, our other checking account, it only has a dollar in it. Sorry, $1.21 cents, so we better gamble. I don't know why my wife.

Starting point is 01:30:22 I mean, she opened that one. My wife. My wife. My wife. She's just for her work. My wife. My wife.

Starting point is 01:30:28 My wife. This is transfers back and forth. It's not even bullshit-thussing on here. Okay, where we got? Okay. This chicken account actually has money. Well, it started with $93, but you're ended with $1,000. I'm sure that's not normal.

Starting point is 01:30:45 Went in and guys in BS. What are you going getting things? Is this the fucking Hershey's? We're going and getting her. It actually gets me. No, going and getting some Hershey's, going and getting some Hershey's. Brazilian something, going and getting some Hershey. Oh, there's.

Starting point is 01:31:00 many purchases on here. Yeah, I use that car for every time. Look, guys, I have to read these. Yeah, that's our main account. Restaurant, Amazon. Restaurant is because I'm working in. Subscription. Netflix.

Starting point is 01:31:16 Oh, there's a whole other fucking page. I hate this. Apple store. Purchase. I don't even know. Hulu, Rose Brazilian, McDonald's. A little burn going in, getting them fucking,

Starting point is 01:31:30 Hershey's. Winning gets in Hershey's. When he guys in Hershey's? Shake Shack. Hershey. Yeah, most of the time I'm not even. I just get Hershey's. Yeah. Amazon.

Starting point is 01:31:45 Bear bread. Brazilian bake. Lottery. Fucking Shopify. Lash tech. Who's getting their lashes done every five hundred seconds? Amazon.

Starting point is 01:31:57 Paramount. Is that lash for it's just like the cheap ones that she probably she goes and buy her Amazon? Because she used to do her. Oh, Penda Express. Yeah, wait. Chocolate.

Starting point is 01:32:10 Brazilian bake. Amazon. Chocolate. Chocolate. I'm... Chocolate. Chocolate. I'm trying.

Starting point is 01:32:20 Decured McDonald's. Amazon. Overdraft. There it is. Chocolate. Amazon. Rocket money. You don't even have to pay for that.

Starting point is 01:32:33 You get this. Yeah. I stopped paying that. It was a fucking overdraft. Dude, this is stupid. You blinkin on your fucking wife. No, it's not her. I don't want to hear in your voice anymore.

Starting point is 01:32:45 I've concluded. It's not her. The $5 in the second. We go to the lottery twice. We go to the lottery in every fucking account except for the one that she has, by the way. Well, no, this is her. Oh, you're going to talk? Yeah, what are you talking about?

Starting point is 01:32:58 What are you going to say? The lottery is both of us, but I know she likes to grow them a little bit. That's right. You both like to just destroy everything. If we win, you're not a credit. our person if you're going to use a credit card to use a fizz card because it's at least a debit card that builds credit you can't have access to credit lines this is so dumb you're one two three four five six seven eight nine ten eleven twelve thirty fourteen fifteen fifteen individual debts damn yeah that's good let's see if there's

Starting point is 01:33:26 even a chance here 10, seven hundred eighty eight dollars and five cents is what came in let's see your debt money money money pants my life just to be clear i don't what it's not i don't want to I don't want people to think that I'm blaming only my wife, but I just- Who say what you fucking want to say? I just want, you know, maybe if we change, she changed a more. That will be a little bit better. You fuck. Like getting maybe a paycheck that only like 15 days or it makes a little bit better.

Starting point is 01:34:00 You're that minimumity payments. Your damn fucking minimumity payments, my guy. Oh my God. But, dude, $1,853.992 cents. Why does you write to one more time, $17,800? 17. What about utilities on a monthly basis? Energy, 100.

Starting point is 01:34:19 And water comes like 40. That's it. Okay. Internet. It's already included on apartment. 140. Okay, very good. Gas, both of you.

Starting point is 01:34:30 Maybe $600 per month. Car insurance is both of you. Right now is $450. Phone bill. $270. $6.6.6 my mom. So she paid me before the day.

Starting point is 01:34:45 Well, that's calculating your fucking income because we calculated everything that came in. So TP fun, anything else to survive, $200. Groceries. We have cats. $600. Use the cookbook that comes to the budget nap.

Starting point is 01:34:58 Anything medical. Medical on a monthly basis? No. We have insurance for cats. Jim? $20. Okay. How much for the kids?

Starting point is 01:35:07 cats? Insurance. $60 each? No, six dollars, both. Six for both. Okay. Cat food? 120 per month. Anything else that needs to be in your budget that I have not put in your budget. That is necessary for survival. Our car payments. I put all your debt in there.

Starting point is 01:35:27 Insurance, car, rental. I'm trying to remember here, but I think that would be it. I know like per month, I might need like $5,000. to survive, maybe. Uh, no, buddy, round up. It is literally by a couple dollars, basically $6,000, about $5,993.92. But you still have left for money.

Starting point is 01:35:50 There's no reason to be in this debt, and that's why I'm going to just, nearly borderline just end this. Let's just call it $4,000. Get $500 of fun. Sure, sure, $500 to send to people or $500 for fun. It is up to you, but that's what I'll allow.

Starting point is 01:36:02 You have $3,500 extra. Choose what to do with that $500. Okay, great. You have $60,000. hours of debt? Cool. 30,500? Good. It's done in 17 months. Dude, this is fucking nothing. This is no reason to be in this debt. It is listed a year and a half in your honor of the debt, and I gave you $500 of fun money, which are everyone, everyone who's been on the show wishes they had. Matt! It doesn't... Matt! It doesn't...

Starting point is 01:36:25 Matt! You'll have a fully funded emergency fund and be completely debt-free within two years. I'm fucking done. I'm fucking done. We're going to the post show. We're going to the fucking post show. You can join in our membership. Link in the description below. Hammer Elite has more content than any other YouTube membership. And it's also one of the largest memberships on this entire platform. And that is for a reason. Confirmed by our internal sources.

Starting point is 01:36:51 So make sure you join that. The best value for your dollar. Hammer financial score, spending in a budget, you overspend zero out of ten. Debt, you have collections and iron instead zero out of ten. Purstively fund, nothing to saving zero out of time. No, no, no, real estate, zero. Even though there's no reason because you have so much money left over on a month This is the stupidest is zero out of ten in the world, but you have a fucking

Starting point is 01:37:08 Amher's financial score zero out of ten for absolutely no reason whatsoever. Probably because you ruin your fucking brain with chocolate. Chocolate. Chocolate. Chocolate. Chocolate. Chocolate. We're going to the post show.

Starting point is 01:37:24 Chocolate. Shit. It's not shit. Go, we're going. Download the budgeting app. Download the budget app. See in the post show. Bye, bye, bye, bye.

Starting point is 01:37:35 I'm going to let you know. He blamed you for all of it. It's not like that. You think I am the problem, and I'm not the problem. You don't help me too much. We start the conversation blaming me. I am the one who pays for everything. You think of your wife all of a sudden being like, I'm a husband now. That's not good.

Starting point is 01:37:53 To watch the financial audit post show, click the join button below. You can't reason with the son. Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnyshade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on allolotion. You're welcome.

Starting point is 01:38:22 Columbia, engineered for whatever.

Financial Audit - I Wasn't Expecting This... Transition… | Financial Audit

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