Financial Audit - Ignorant Wife Divorces Wimpy Cuck

Episode Date: March 27, 2024

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$410.90. Minimuthy payment. That's something. And I didn't know about this card until after we got married. Why? I didn't tell her about it. Why? I don't know.

That's irresponsible and rude and selfishest. Hi, my name is Sarah and I'm 22. Hi, my name is Joe and I'm 25. We are based out of love of Texas. And this is financial audit. Welcome over to Austin, Texas. You guys are married. Yes.

Yes. For now. I am, well, Okay, well, never mind. I was just going to say, I'm over here, like, not married, 29, and like, okay, whatever. And what? Anyways, for now, means we're... Planning to get divorced.

Yes. Yeah. We haven't filed. We haven't filed. You're 22 and you're getting their divorce? Yes. Yeah. It, a lot.

When it doesn't work out, it doesn't work out. When did you guys get married? A year ago. January of 23. How was that even... 15, wait, what, oh. Is it funny or is it like traumatic? A year in a marriage?

How long are you guys dating before that? A year. No, we were dating for a year, engaged for a year, and then married for a year. Yeah, yeah. And we'll be getting divorced soon. Probably the next three-ish months. Yeah. Something like that.

So what are we doing? So we both have trauma, some pretty bad trauma. Him with his parents and how he was raised and me, with an ex and we jumped into our relationship. What are we doing here? I mean, we're going to therapy back at home. He's talking about financially. Oh.

He screwed up my finances and so we're here to get it mixed. What you do? Why? I basically made her use her emergency funds and stuff for a car. And his spending habits. And yeah, my spending habits. Well, a car might be an emergency. What do you mean?

made. What does that mean? The car broke down. I bought a used car and the car broke down literally like six months later. Well, that's a fair use of an emergency fund, right? Because you guys were married at the time? No. No, we were engaged. Okay. Yeah. Well, it's approaching that situation, but even okay. So we got into a car wreck and it was pretty bad. And nine months later, we finally got payment from the insurance company because it was a county vehicle that hit us. And so we used a little bit of that money, some money from his dad and my savings to buy him a new car,

which then, well, a used car. I forget what it was. It was a Kia something. And it broke down six months after he bought it. Engine just completely died. There's no replacing it. Okay. Okay.

I mean, that can be an emergency. We were immediately saying that it's his spending habits and stuff like that. The car thing is the car thing. his spending habits. If it's his spending habits, what have we done over the course of this last year to even address and talk about it?

So you guys are so fucking young. This is crazy. Yeah, we, yeah. I'm getting ancient. Okay, go ahead. Why? What have you done to address the spending habits? What's happened?

We both have, well, I feel like I've probably made her bad habit with a lot of, like, spending as well because for me, I got bad habits just because I used to work at a prison like six years ago, something like that. And I was making good money.

And then I was just blowing money. And then after I left the prison, I just kept the bad habits. And then I guess once getting into a relationship with her and everything, I basically made, she was trying her best to help me out. I didn't help out any with the financial stuff. And I would just spend money.

Yeah. Well, at least yourself aware, why haven't you tried to do anything to repair? You're a year into this. A marriage is supposed to be a lifetime thing. That's usually what marriage is. is intended for. It's not just financial stuff that's causing the separation. Okay, so fine, fine, fine, fine, fine. Sorry, this took me for a spin at the beginning,

so let's just, let's just figure it out. Just for context for everyone watching, why are you guys getting divorced? We're honestly two different people. We've realized that over the year of being married. That sounds like every human in the world, two different people. Congratulations. Well, we're not compatible. We're not compatible. We're both going through therapy right now and realizing that we were trying to make what we thought the other person wanted instead of being who we actually are. And we don't like each other anymore. See, I think really the issue is just that our trauma really from our past and everything

really just affected the way we ran into the relationship, to be honest. Like she said, we rushed into it. I explained it to my therapist this way. It was we started dating. I, we got engaged and I was like having doubts kind of. Like, should we get married? Should this be happening? And I kept putting this invisible finish line in front of me.

Like, oh, once we get married, it'll be fine. Oh, six months in, it'll be fine. Oh, a year in, it'll be fine. And you just keep pushing back this line of it'll get better. And it never did. Our marriage was. What don't you like about each other? I think mostly for her, it's just for me, I don't like.

You say what you don't like. you say what you don't like. For me, I don't speak for each other. He's, he's incredibly emotional. And I'm not. My issue with the emotional part is that I can't really deal with the fact with my mom's situation and everything. I just grew up with two girls 24-7 at home.

That's the biggest thing I think is that he's a crier and I'm not. For me, for her, it's just like she can be very bossy and very controlling in some way. and it can get a little bit annoying. You guys are recognizing your own flaws. Are you a crier? I am a crier, but I don't like being called out on it. Because I know I'm emotional. It's come to a point where it's like it happens so often that instead of consoling him, I roll my eyes.

Here we go again. Does that seem emotionally supportive? I used to try to be that. I used to be like, oh man, I can't do that. That's not nice. I need to be there and support him. What are you crying about? Everything.

This isn't, this isn't finances right now. What do you cry about? Then we'll move on. Honestly, just dealing with life. Honestly, I guess being out of the house from not depending on my mom. He went straight from his parents' house to living with me. Living with her. And I think I wasn't prepared for that mentally just because of the situation with my mom.

Being an adult, I really depended on my mom. Because I was homeschooled, so I was. How long have you guys lived together? 25? Two and a half, three years. So you lived at home until 22, 23? Yeah, until 23. So, I mean, I depended on my mom a lot and also with the fact that it was just me, mom, and my sister since my dad had left because it was a whole situation with him cheating and everything.

Who wanted to come on here? Me. She really did mostly. Okay, what are we on here for? I feel like we're in a hole that is constantly. Yeah, but there's no where. We're in a hole. Okay.

We're in a hole. We're not where? We're not, mentally we're not anymore, so like what are we trying to do then? Y'all, this is the time to switch to my favorite high-yield savings account. With SoFi, you can get 4.6% on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least. You can also get FDIC insurance on that money up to $2 million with them.

Plus, they'll give you money up to $300 when you set up an account with them. There's even extra perks like being able to get paid a couple days early. So far is what I use when I'm setting money aside, and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. We're just trying to get to the point where we can actually financially be okay separate as well. I need somebody to light a fire under his act to help me with the finances and the spending and getting out of debt. It doesn't matter. You guys aren't going to be together in three months. What doesn't matter what he's doing?

Well, because if I leave, if we leave each other and I get into a good place and he doesn't, I'm going to feel horrible. Like, I want to make sure that he. She has some emotions. She does. She can whenever she feels like it. All right. Well, let's see what the finances look like. Also, I want to know, give me a win.

Give me a positive financial win that you've experienced this year. Also, be nice to them in the comments below. Only I'm allowed to be Caleb Springer, not you. You're the nice ones. Be nice. They're brave enough to come on. You're not. So what does the household finances look like today?

And then how do these debts and finances start splitting up as we start to split up? Right now we live in a three-bedroom house with a roommate. So it'll be split three ways. You're going to continue living together. Yeah. Yeah. Just in separate rooms. Was that not going to be weird?

Probably for a first while, to be honest. I mean. Why don't you guys like moving out? Because we just got into the house. A month ago. Yeah. When did we decide we're divorcing? Literally a month after.

No, like the same time that we moved into the house. And the third friend that we have living with us really needed a place to stay and had nobody else that he could move in with. She kind of dropped the bomb on me. What happens in a year when the lease is done? Honestly, we haven't really thought that far yet right now. I would like to stay in the house. I kind of liked house too, but at the same time, I don't know. know. I don't know where we're going to go from there. We're nice to each other, so I think it's

I think it's fine if we stay living together, you know. We're civil. We're very civil. Yeah, but what about like dating other people? Want to get like awkward and stuff? That I'm probably not going to get into that until later until I actually get out of therapy personally. Yeah. Out of therapy? Is there ever out of? We're both going to take time to fix ourselves before jumping into relationships. Why did you guys because we thought we really loved each other? Yeah. And I was my, it was literally my being around each other. Yeah. Yeah, I mean, we used to more than we do now.

Honestly, she was my first for like everything. I've never been in a relationship or anything, so. Congratulations on your skills. Thanks. Why are you guys both so like smiling and happy? Because from the language and the conversation we're using it doesn't sound like we are, but you just, you're both so like, he, he, he, he, he's had the sad mopey days. They're over now.

for me it's more of like I have a I would call it a bad habit of being able to hide my emotions just because of past trauma with he could probably burst in tears in any moment but I'm I've had my like days and nights of crying and I'm done I'm over it I'm just I'm just a baby honestly whenever it comes to stuff emotions I'm very I have been wrong with crying I have to be careful like I feel like I get too emotional a lot honestly well being emotional it's okay as long as we before we come and make like a major decision we come back to our rational side of that that's my issue i don't especially financially wise in my motions i kind of make bad decisions in buying just trying to just make myself happy with

buying random stuff all right I'm gonna say three two one go on go you're gonna give me the household financial score zero to ten zero being the worst 10 being the best three two one

zero three three all right If you want your hammer financial score free in the description below. So you think it's a lot worse than he thinks. You think it's closer to average. He thinks it's the most doggity dog.

It can ever be. So we have a card. Who is on this card? Which one? This is the slate edge. That is my card. Okay. So we do have these separate.

He has access to my credit card. He's one of the authorized users. Authorized. Okay. My credit card. And I'm an authorized user on one of his. Yeah. I made her an authorized user after I got the card.

Right. That should be fine. I don't know if that means we share the debt. If you're an authorized user, it shouldn't. It shouldn't. But if you co-signed and you got on it together, that's where you would be reliant on the other person. We both had our credit cards before we got together. Yeah.

So for you, Slade Edge, Mr. Joe, $2,178.16. There is interest accruing. That's the craziest amount by any means. There's a $40 minimum wage payment. Bro, I need a note. Okay, there's always so much context that needs to be gathered.

What do you do for a living? I work as a health unit coordinator, which is basically just a front desk person at the hospital. What do you make a year? Calculated correctly. It's like, well... We make a month. What comes in on a monthly basis?

He just started full time. So technically he's been working part time. Part time. So before it was probably around like $1,400. What's your best guess for now? What's your hourly? Hourly. It's 1375.

1375. How are you going to survive? What? Well, because I'm calculating for like the, because we have overnight pay and then also weekend pay, which I work the weekend. So it's. Overnight pay is an extra dollar. It's like a dollar 50.

And then weekend is like another. So yeah. So it's like 16. How many hours a week? You, huh? Now he works for it. Now it's 40, but I work, yeah, my hourly is $16 an hour. And then, you just said $1375.

That's base pay. 1375 is base pay. And then a dollar for overnights, which he does, he works overnights. I work overnight. We only work overnights. And then on the weekend nights, he makes an extra 75 cents on top of that. Okay. Well, you didn't, okay.

More or less. Do you know anything about your own finance? No, because I've actually based it off of her. Yeah. I try to involve him as much as possible. I just don't think he retains any of the information. That's also partially why I'm going to therapy because I disassociate a lot. Well, okay, but you just haven't.

I'm very bad. I'm just afraid how you're going to survive. Yes, you'll be in the same house together for a year so you're going to ask questions, but how are you going to survive? Well, part of it is that he doesn't know how to respond quickly. his brain has to take a minute to he could probably come up with the numbers but he just have to sit there for a minute and think about it whereas I'm instantly

she knows more numbers than I do that I just that's another thing where I depended on her a lot financially wise well listen knowing more numbers than the other person that's fine but at least know how much you fucking make it your job and like the most minimum thing 31,720 if everything's on the weekend

but so I'm guessing it's closer to like 29,000 hours a year yeah $2,400, $16 a month. So let's call it like, your tax bracket is incredibly low. $2,000 or $2,100 a month. Let's say $2,100 a month.

And you, what do you make? The same. We have the same job. Oh. Same place? I got her in before. You guys are. I got her in before we actually talked about.

We met at a fast food place that we both worked at, got married. And then he went. to go work at the hospital and I followed shortly after. Maybe this is why you guys hate each other. You don't have a second apart from each other. Makes sense. Yeah, we were always together. We were always together, so I guess that makes sense.

Which was nice for a while when you're in the honeymoon phase and then that dies and so does the love with it. Oh, it really sucks that. Neither of you really make that much on a yearly basis. Combined, we start getting closer to the median household income in the United States, but single were certainly quite far from it. Then you went, instead of paying off your card on something that's a crewing interest, you go and purchase $81.96 of things. You're doork.

You f***ing a bell. Let's go pick it up. It's hilarious. It's a crewy interest. I was at work, actually, for that one. You're what? I was at work. I door dashed it to work.

Do they not have anything there? They have a little. You not know how to pack a sandwich, like a big boy? I don't like making food. I don't. That's hardly making. I don't make. I'm not the one that, I'm not really the one that does food-wise.

It's usually our roommate now. So, like, makes food. He doesn't cook. I don't cook. So making a sandwiches and cooking. It's taking out a piece of bread, taking out a piece of meat and putting on the bread. I'm lazy. Okay, there it is.

So how are you? Do you even, are you going to get out of debt? I know I'm digging on on you, but that's only because we're only talking about your finance. Yeah. We're going to get to yours. But lazy, lazy's not going to get you anywhere. So what is your plan? Do you even care about this?

one that wanted to come on the show. Do you give a shit this? I do. I don't really show as much interest in it because like I, I mean, I've always hated math and any kind of numbers just irritate me because it's like it's especially finance wise. I, again, me being emotional, I don't like seeing the bad debt, so I kind of just ignore it. Do you want to do this? I do. I just, I don't like being, again, I don't like being called out on my being yelled at. Well, isn't it, isn't it important to be called on an idiot? If you're just, I'm learning that. But yeah, okay, we get it.

Sorry. You're not something you've told me 20 million times. We know. Have you just been coddled your entire life? I'm curious. Yeah, because I was homeschooled with my mom and my sister 24-7. Yeah. I never.

And how's your relationship with them? Cut off my mom, narcissistic, and recently cut her off her off, actually, because it was just the whole situation with that. Your guys' lives are wild. Yeah. My sister is in Florida. really, I mean, we're okay, I guess. I just really don't talk a lot, just because she's in Florida.

I'm here in Texas, so. I feel like you're the ultimate person that needs to be called out on the, if you've never been called on your bullshit life and that it affects you that way. If it affects you that way, then I think you need to accept the reality. That caused a lot of problems in our relationship. I'm slowly learning that, but it still does miss me all the time. And it's always met with defensiveness and excuses and so on and so forth. Yeah, I'm emotional.

I'm dramatic, but I don't like being called out. Okay. And Ike's Xbox subscription. TikTok Marketplace. Who the fuck uses that? Okay, we both actually use that. I've used it like once. Lies, you've gotten a few things.

You've got like two or three things a while back. What is Market Street? Because you guys go there and get like $2 purchases endlessly. Wait, Market Street? Yeah. Yeah, Market Street is like a... Like a grocery store. $2.

I think that was like... In the checking account and on the credit card. Yeah. Like you're going in there and getting like a monster energy or something. Like some tequito bowl. I don't even remember that one. See, he said the thing. He said the thing.

Oh. Yeah, I said the thing. Okay. City Diamond preferred. Who's that? His is mine as well. Sorry, buddy. You get to get bullied for a little longer.

Yep. I don't know who's was whose when I put them in order. So you're just getting the luck. Fuck. $6,969.79. And 72 cents. That's some f***. With your income, that's some $410.

$98 minimum payment. That's some. And I didn't know about this card until after we got married. Yeah. I didn't tell her about it. Why? I don't know. That's irresponsible and rude and selfishest.

I didn't think about it. Honestly, I'm. I was stupid enough not to tell her. What did you think when this came to light? How did this come to light? It was not that high. I think it was just at 6,000 when I saw it. Only?

No, it was less. For your guys' income, that's ridiculous. It was less. It was actually less, but. I think I saw it after we combined our checking account, and then he had to make the $400 payment. And I said, what is that going for? My credit card.

And then he finally gave me access to all of his credit cards to look at them. And I saw it. That was probably like a month or two. too into being married? Yeah, she didn't know about it the whole time we were engaged. By the way, who said let's get divorced? She's the one that brought it up.

People younger than me, I've already gotten married and divorced. Great. We're not happy about it. It's just... It's not a good thing. It's just... No, it's not.

$171 of interest is also not a good thing. But then instead of... Not the card. Instead of paying off the card, the balance went up. The balance went up because of the interest and you went and purchased. Yeah.

I have bad. Bad spending habits and I've, I know that. Why have you not addressed them in any way whatsoever? Again, I don't like being called out on. I don't give a shit. I don't like it. And it pisses me off. And I'm like, okay, I get it.

I know. I'm bad. Then do something. Why haven't you done anything? Because I don't like dealing with drama and. No, no, no. Regardless of any conversation here, regardless of any conversation between yourself, that's not drama if you say, oh, we have spent too much money.

Let me not do that anymore. Is that drama? What? No, that's just you being a adult. Sorry, I know I'm going hard. I know I'm going hard. No, I just want to know why you have not adjusted this in any way

knowing your own issues, regardless of what anyone else has said. Is it the spite people for calling you out? Are you like, I guess, honestly, so you're like, I'm going to go f f f f f f f my life because someone called me out. I'm fucking my life. It's really unintentional spite, honestly. And I don't, I don't know.

I just, I do it unintentionally, even though I know I'm doing it. I don't know. Whatever that ADHD thing is where it's like, hey, can you go do the dishes? Well, now I'm not going to go do them. It's basically that, but I use it as an excuse. You're just not making any progress on this. I'm not.

I'm really not. Apple subscription. There's some tequitos and Kowlu, Chick-fil-A, Sudsee Springs, car wash. What's UMCP, Kings Park, U-R-G, car wash? I usually try to use coins, but I ran out of coins. You take the coins, put them in your bank account, and pay off your debt. What is this Amarac educational thing?

Amarach. Oh, that's a vending machine. Oh, I always forget about that. It comes up like that. That's also at work. $500. We're only a couple months into this year. We're in $500 of interest to accrued on this card so far.

You're just throwing your life out of spite for others. You're destroying your life. You're fucking spiting your future. I mean, honestly, fuck everybody to me sometimes. But I have those moods so I get like that. But then I also realize that it's bad to have that kind of mindset. Yeah, fucking over your life because others called you out for your life is being an immature child. That's what a child does, not an adult.

Not a 25-year-old adult. if you think you're a child then if you think if you're too much of a child to take care of your own you're too much of a child to be able to go live on your own you're too much of a child to be able to have a job because you wouldn't be able to mentally comprehend the place that you're in

because jobs have a lot of drama have a lot of work have a lot of things that are urgent and stresses if you're too much of a child to even accept that uh-oh my life is not the best maybe I should do something about it but because someone told me it's bad I'm going to do the opposite. Then you're too much of a child to exist in this world.

But what the stupidest thing is like for me, I'm better at work. I'll do my job. I'm perfect at my job. I get, you know, people, they love me working there and everything. But outside of work, everything else, no. I don't know why. It's just, that's how it been, that's how it's been with me the whole time. Well, you're like, so you better start taking care of it.

And then the Wells Fargo autograph, he's a signature card. Who's this? That one's mine. I see exclamation marks on it already. Yeah. You're supposed to be the good one, aren't you? But you're over the, you're over the, you're over the, you're over the, you're over the limit. Oh, not anymore.

I made a payment. You weren't the time of this, so I don't get it. This means that you did it at one point, which means you are not a credit card person. It's as easy as that simple as that. It doesn't matter if you've fixed that now. You did that recently, last month, a couple weeks ago, a couple weeks ago. So after I gave him my emergency fund to buy his new car, I then had to go and, and, you fix my car, which was $2,500.

Because it was... The mechanic said if I didn't fix it and if I hit a pothole too hard, I was going to completely destroy my car. So I had to replace the arms for all four tires. Did you take it for a second opinion? No, I went to the family mechanic, the trusted family. Well, we had one of our... Well, we had a friend who... So, yes, the trusted friend is the one that was the second opinion.

Yeah. Oh. I mean, he were... He agreed? He looked at it. He put it on the lift, looked at it, and he agreed it was the same thing, yeah. Okay. Why did you not have an emergency fund? I was never really, like, I guess, taught to, like, have an emergency fund. I was just taught to really just save, but whenever it came to spending, I just didn't care.

May I teach you something real quick? What? Have an emergency fund. I've heard that a lot recently now. He didn't know what it wasn't. I didn't know what that. I've never really, yeah. We learned it at some point.

You guys are on the younger side, so not going to. She's known it for years. With her, she's known it forever. So that's what kind of pisses me off to. What? That she's known, like, how to have that and I didn't. It's more pissed off. Oh, boo.

Who? Calm down. Oh, oh, okay. It's more pissed off of my parents. Not her. They knew. See, I took that the different way. Do they, do they know about emergency funds?

Are they supposed to. They don't do emergency funds. They just financially plan stuff. Well, they just sound like they're dumb then when it comes to basic personal finances. So it's like, I don't know if we should be angry at that. This is where it is. Some people come from disadvantages.

Some people come from advantages. I went to, you know, I lived in a nice community. I was very much so on the low-income side of the community. I think that a lot of people had nicer clothes, nicer cars, all that good stuff. Not me. That doesn't make me sit there angry. I get my stuff together and live my better life. Fair enough.

You over the credit limit. So this was for the emergency. Yes. And then there's some automatic payments on there that I forgot about. I forgot about $1,000 worth almost. It's not $1,000 over it. No, no, no, no. You said it was $2,500, but this is sitting at 3,233 at the time of this statement.

So those automatic payments that I forgot about were like $700, $800. That's probably not everything. Yeah. So I don't think we're the responsible one. Numbers don't lie. I gotta call people out when they have sat there the entire time as the high and mighty. So enjoy this part. Yes, she's not perfect.

$3,233.28 over the credit limit. $83 minimum fee payment. Interest charge $50. Oh, we still purchased. We still purchased. A Microsoft subscription and Crunch Fitness. That's the gym that we don't use. I'm good at the gym membership, but I saw a much more expensive charge from Crunch Fitnex on the checking account.

Oh. So this is almost like a vending machine or something. It was on the credit card and it got canceled for some reason. So they were charging me interest for not paying it. So I went to restart the membership and that was a bigger charge. That issue was the fact, like we tried to actually talk to them about it, but they were just like giving us the run around until she actually went in and talked to them. That was the other gym. Oh, was that?

Yeah. Oh, damn. This one, my card got locked because there was a suspicious charge so it didn't go through. Yeah, or we were above the credit limit. So a lot of this credit card, according to you, was building up because you had to put a thing on it. Uh-huh. A car expense. You had to use your emergency fund, which wasn't a fully funded emergency one.

How much was it? How much was it? It was $2,000. Okay, so you didn't have an emergency fund. You had like the building blocks of an emergency fund. Yeah, it was. My parents taught me to have a $1,000 emergency fund. But your parents are stupid then.

I think that's, well, they have 1,000 per person in their household. That's the stupidest thing I've ever heard of my life. And then I've heard like six months worth of your income. That's correct. Okay. What does anyone going to do with $1,000 these days? It's enough to get new tires or fix a broken leg. I wouldn't think about the broken leg.

Dude, medical things are everywhere. It's going to depend on your insurance. And what hospital you go to, are you in? Network or you're out of network. That's not even close to true. Tire, sure. Is that the only emergency that exists in this world? No.

Not even close. I think you've been through a couple recently, have we not? Yeah. Yeah. They were a little more than $1,000. Yeah, they were. So that's the stupid...

That more... I know, I'm being a little harsh, but that's more for you people that sit out there. $1,000. It's not going to cover. I mean, honestly... So, you had to drain your $2,000,

which is basically nothing. How do you feel about that? For someone else's emergency, now someone that you were going to get married to, but... I didn't feel that bad at the time because I know that he needed it. He's a car person,

so not having a car kind of broke him a little bit and he was really upset about it. I used to have a Camaro, 2018 Camero before, and it got totaled. I don't care. That was the whole thing with me being a car. Like, not having a car, I did not like having a car.

So. You have no money. You don't get to be a car person. It would have been fine if that car had lasted him a long time, but then it died six months later. It died six months later. And so his parents convinced him, convinced him to go buy a brand new car.

That's what pissed me. What? He bought a used car with my savings and some money from his dad and the money that we got from the insurance. It broke down six months after he bought it. So we just used all of our savings. So what savings? My $2,000. For a new car?

No, for the used car. For the used car. Well, this is after the toll. The used one broke down. Six months after getting it. And then he went and bought a brand new car. With what? Nothing.

Nothing. You have a car debt? I have, well, now I have a car debt. There's a car payment in there. There's a car payment. Is it? In the checking account, yeah. There should be a second.

Oh, you didn't tell me the statement for the car, did you? I did. No. What's this? What's this? Oh, it's this. That's the, yeah. Sorry.

Did send it, Caleb. It was a lot. I got you. No, yeah. So. What'd you get? What car? The first car that I got that broke down six months.

No, no, no, no. What do you have now? I don't care about what happened. What is now? It is a 22 Chevy Spark. It was the cheapest one that I could actually find that didn't have a high payment. So basically my mom, mostly my mom was really big with the finances in their relationship and my mom-deservation. And she was always the one like, you know, she would finance.

Her thing was to finance a new car. Always have a new car because it won't break down. You have, basically, you have insurance on it and stuff. And you have like... You have to have insurance on car regardless. Not insurance. It's like, um... Warranty?

Warranty. You have to have a certain amount of like miles typically. Well, I mean, we didn't usually take our cars out a lot. I mean, yeah, we travel, but usually we get... What's the point of? We pay off, uh, well, my dad's job paid for a lot of our trips, so we didn't have to worry about cars, like spending a lot of money on cars, but we still buy new cars. Uh, and...

Well, that's really how we, I lived life. When do you always buy a new car with my... Like, if we want to get a new car, we'd either... I think her main thing, was you buy the newest car so that it doesn't get old and break down. For how long, though? When do you buy them the newest car after the newest car? They're constantly buying new cars.

Be really worried. You just said they're poor. They make it as we... Cars make Americans poor the way they go about it. And using that kind of language that you've talked about, it's not surprising. Yeah, that's just really how... And I honestly kind of thought that, you know, it's easier to get a new car to be able to take care of it. because at least you have the warranty and at least it's not.

That's where we butt heads the most. What? The thought of buying a new car and having to make a payment on it just... Do you have a payment on a car? Nope. What's your car? It's a 2006 Chevy Trailblazer. That thing is a piece of...

It is not. How many miles is on it? 200 something. And you just had to pump $2,000 into it. Yeah. It makes me a little bit nervous. That's one thing I've told her. Is that, what's the value of that car today?

You just pumped a lot of money into it. Oh, I have no idea. Last, I bought it. $2,500 in a car that might not be worth that much? It got somebody hit and ran my car in the parking lot, and so they totaled it out technically. What kind of insurance did you have on this? Oh. It was your dad's.

I don't know, basic coverage. Okay. But they totaled out to just over $5,000, which is twice as much as I bought it for. But she got it from a hand-me-down, and it's like I said, it's a piece of-of-f. It's not. You might need it. It looks like a piece of shit. But it runs fantastically.

And it's going to get me to 300,000 miles. I have no doubt. You're at? $230,000. I doubt that, but. He doubts that. He's the car guy. Okay.

He thinks he knows a lot about cars. That thing sounds like crap. Turning it on and sounds squealing. I told you to get a Toyota, not a Kia. It sounds like it's squealing. And you bought a Kia and it broke down after six months. Okay, I made a mistake with the Kia. Okay.

Your car sounds like it's squealing. wheels. It sounds like it's going to break. No, it doesn't. That's the air conditioner. As long as the motor runs and it's functioning, it's fine. See, that's one thing I don't really agree with that. I don't care if it's ugly and sounds bad. If it's going to get me from point A to point B without having to spend a bunch of extra money, it sounds like crap, I don't trust it because it worries. It worries me. Well, that's just you. You're being too particular. Because I don't want it to just randomly break down like the Kia did, which that was tougher. That's why you have an emergency fund so you can fix it.

But anyway. All right. Yeah. Yeah, yeah, yeah, yeah. Well, is the medical debt. That is my emergency room trip. That was a, I think that was a, didn't you just say $1,000 would cure a broken leg?

But you owe $1,0.91.52 for what? I, at my old job, I passed out in the bathroom. My manager left me there in the bathroom while I was having a panic attack. I called Joe right before I passed out and then he found me in the women's bathroom on the floor and I had to go to the emergency room just to get checked out because he wanted to take me and that's why I quit that job

because my manager as he was dragging me out of the restaurant it's okay to go to the emergency room yeah as I was he was you know helping me to the car my manager was like so you're not going to come back for your shift tonight are you no sounds like a terrible boss and I would try to find another job I did we did well she did Now I work at the hospital with him.

Looks like you're on a $65 monthly payment plan potentially? Yeah. Okay. I called in. Is there any interest on this? No. Okay. So that's your debt.

That's your debt. And then the first two were yours. And this must be the car. Mm-hmm. What's the interest rate in this? Six something, six point something. Last I check. I have to ask you if that's correct.

Because he doesn't know those numbers. It's his car, so I don't know. But you guys are married? I have it under a different. bank account that I used to use a lot. And she doesn't have access to that. He bought it through his... Are you on this debt?

No. No, she's not. His father, cosine. It's technically me, my father. Gosh, you guys are children. Okay. Because did you, he bought it technically before we were married, so... Yeah.

Oh. Because he bought it in 22 and we got married in 23. Okay. Car. Car. Joe. Joe Car. That thing. Looks like we have six.

$16,207.33. A balance. It's the loan payoff. Minimum monthly payment. Daily interest is $3. What's the minimum fee payment? It's $3.26, yeah. See, that?

Plus the $1.003rd of $410? Man, that is of a third of your income. I really shouldn't have. That's crazy. And that's before he started working. income full time. Started working full time. Yeah, that was me part time.

Why did your dad support this? Because he agreed with the you should buy a new car. The new car. Both him and my mom have the same idea. Mostly my mom, but my dad also just agrees with like getting a new car. It's easier to take care of instead of having to worry about an older car. That was the reason why I really got it,

which I kind of was against it. To appeased his parents. He got it to make them happy. I did. Yeah. Okay. I did appease my parents. So they would stop yelling at him.

Again, I don't like drama. I am a mama's boy, basically. Well, you guys just had some drama here a few minutes ago. What is all this? Personal. Personal loans. To who? Or from who? Who owes?

Who? Okay. Family friend. You guys are together on these? Yes. Why did we borrow $1,200 from a family friend? Well, they own a furniture store. Oh, fuck.

We're paying them back for the furniture instead of doing it. Is there a minimum monthly? No. We're just paying them as we can. We're over our card card balances, so I doubt we are. And money owed to father-in-law. Who's the father-in-law? Your father?

Mine. His father. What do we borrow $800 for? That was for bills. We couldn't. Our old apartment screwed us over and made us pay, which I know technically they're legally allowed to do, I guess. We moved out on the 12th, but they still charged us for the entire month.

What did the least say? We looked through it and couldn't find anywhere. They couldn't find it anything. I don't know where. But they're also trying to charge us a bunch of, fees on top. They're trying to charge us $800 for touch up paint. So we're not getting our deposit back,

but we're fighting with them on that right now. Okay. But they made us pay for an entire month, and then we had to pay for the new month at the new place, and then also like all the installation fees on the electric. Yeah, it's called moving. Yeah. So we weren't financially prepared to move, but we did it anyway.

Then we probably don't move. Oh, my gosh. Oh, my gosh, for wedding. you'll still owe $5,000 for your wedding and we're getting her divorce. That was a gift from my parents. Well, then why does this say you owe? Well, we're getting divorced a year after we got married,

so I kind of feel obligated to pay them back. It's probably not, they would probably tell me not to. Then if they say not to, don't. If they say not to, then don't. But ask also. Okay. I'm crossing that out for now. Who gets to keep the furniture?

Probably me. Probably her. I really, why? I'm keeping the bed. Well, because we bought a new bed. We bought a new bed. And then table. Well, the table is not really for like, it's for all of three of us.

Hey, if he wants to pay me for it, if he, if he ever moves out, if he wants to pay me for it. I can't believe this. How much did you guys spend on your wedding? 7 to 8,000. It was a Batman themed wedding. Her idea. This thing was set up for success since the beginning. As we were getting, you know, ready to get married and all that crap.

We were trying to think of something to do as like the ceremonial type thing. like instead of like tying the knot or pouring sand into a jar, I decided that we were going to write letters to each other, like saying like why we love each other and restating our boughs basically. And then we got a bottle of wine and we took the letters and the bottle of wine, put them into a box. And during our wedding ceremony, we nailed the box shut. And the whole thing was whenever we got into our first fight,

we would pry the box open, read the letters to each other and drink the wine. So you pride it open on your wedding night, probably? A month after we got married. No, I was like a few weeks, like two weeks. He was having doubts that I actually loved him, which ended in a screaming match and me busting the box open to throw the letter at him. She basically almost threw the box at me too

because she was pissed. Why do you think she doesn't love you? I'm an emotional wreck whenever. I was an emotional wreck at the time. I don't even remember what started that. He was just basically crying being like, Why do you love me? I'm a mess.

And I was like, it had to probably do something with my mom because my mom was always on my ass about shit and just like complaining if I didn't do this this way and I would always just feel like oh I have to make her happy and it was always an issue. It all comes back to his mother. It was an issue.

I don't know. Why say it like that? Because he makes it sound that way. We both hate my mom in a certain way. I've never hated as many people as you guys hate. Just his mom. It's mostly my mom.

I shouldn't say I hate. I shouldn't say I hate. It's just, She is... I hate her. Oh. That... Okay.

I mean, fair. She's going to treat you like absolute shit. Then I'm going to hate her. But at the same time, it's not... There's no at the same time. Technically, it's not your problem. But... And, yeah, that was the same thing, too, is he would never let me be a part of him and his mom's relationship.

It was always, let me deal with my mom. Let me deal with her. Because he was afraid that if I stepped up and... said something to her that it was going to destroy their relationship. Coming from a Mexican family, you want your wife to be chill with your in-laws. Apparently, she didn't like me anyway, even though I've never said anything. She liked you from the beginning. You told me she didn't like me.

That's just after everything was going on, like after like the whole situation of me realizing that she's a narcissist and everything. So once you started acting differently towards her, then she. Basically, that's whenever she changed. Then she started blaming me for you growing up a little bit. I assume the Mexican family didn't like you because you found salt spicy but I don't know. Oh, I love salt.

She loves salt. She's a little whiny baby on spicy. Pepper? No. Salt, fantastic. She's a winey baby with spicy. Okay. And then finally the checking account.

Oh, never mind. Nope, we've snap financed the appliance. That was for the washer dryer. What's the minimum on that? It automatically takes $131 out of every paycheck. So, $262 a month. Oh my gosh, what's the interest rate? If I pay it off by May 7th, which I'm trying to do, there's no interest.

If I don't pay it off by... Well, what's the balance currently? Or is that the balance? Was that the purchase price or balance? I've made a payment since that statement. Oh, that's not going to change much. 18501.93. Okay, so basically, yeah, I'm not even going to write that down.

Is this a combined checking? Is this all of our checking? Yes. Oh, good. We started with $10. No, shit. We had to borrow money when we're going into debt, and we have a higher credit large card balance

and is the max limit? At least we ended with $1,200, but we started with $10? You kidding me? That's also kind of why I didn't want to merge bank accounts before we actually got married either because we merged before we got married. If we didn't, you would be in the red.

But at the same time, like, this is also why. I didn't want to because then it would have messed with you. I'm going to put a wall between you two. We're zeal not money. We're zeal not money. Top flight, Nora's Mexican, Microsoft, some, $800 cash deposit.

Where'd that come from? That was the $800 from Father-in-law, for my dad. And the Zell payments, the 44-50-something, Zell payment is to my dad for my phone, and then the $5 to my dad for my YouTube premium. Crunch McDonald's, potential tequitos. Microsoft. Tequitos, tequitos.

ATM, Mottra, $250. There's the appliance payment, and then Taco Villa, Woodmar Capital. That was the old department. Okay, Dairy Queen, more Microsoft. We're spending a lot with Microsoft. Coca-Cola, Spotify, you can listen to ads

so we're trying to get out of debt, and we can't afford to pay our bills. I'm at to borrow money from our parents. Google domains doesn't really make sense. Who has a domain? For what? It's for my graphic arts business that I'm trying to start. We both went to freelancing.

I'm trying to be for class. Great. Daddy's Bug FT. Lemon in Paradise. McDonald's, Sonic, McDonald's, Adobe subscription, Ollie's bargain. There's another other SNAP finance payment and a Venmo payment of $50 out. So we disagree on everything, but we love to spend money we don't have.

That's the one thing we can agree on, huh? Mm-hmm. Facebook. I know it's another interruption, but you can get $5,000 by listening to the end of this. Right now, if you transfer your portfolio to Mumu, which I personally use for my individual stock picks, you can get up to $5,000. It's literally free money and an amazing investment platform, and it's what I personally use. So check it out in the description below.

I highly recommend it. First of all, that phone bill, too much, $20 a month, helium, switch. And then your guys' incomes are also too low on an individual basis. If it's, again, a combined household income, we can do things with that. But it's very difficult. So if you guys are looking to get into tech, I can gift you with a tech certification to course careers. Just let me know. There's a lot of good things I can set you up with.

Oh, the spending. Okay. So of the income that came in for the household. And this doesn't matter because, like, what are we doing going forward? Total income that came in. Luckily for the combined household. for the combined household you actually brought in a little more

like 5,500 but we spent 4,894 first time in a while that people spent less than came in however you're spending 43.5% with the housing or 2,130 and 32 cents debt payments with 7.3%

your spending or 557.32 transportation 5.6% your spending or 373.83 cents. Necessary food, also known as the grocery stores, 5.2% or $207.40. Food going out to eat.

4.8% higher than the grocery stores or $233.16. Unknown shopping, typically Amazon, Walmart. We just don't know what was gotten there. 4.9% or $241.2. Medical health care or gym, $51. Subscriptions. 1.5% or $71.38. Miscellaneous BS.

Stop and getting them tequitos, getting them drinks. 2.7% are $133.9. Of the large purchases that don't fit in a category 22.4% or $1,094.58. And those large purchases were... ATM withdraws was a big one. Lubbock discount. Storage unit or realty. Which one?

A lot of discount. Oh gosh. Guys, it was $400. Come on. Is that an ATM withdrawal? I don't know. It's called Lovic Discount. No, ATM withdrawal was ATM withdraw.

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special offer. Terms apply. $100. I need to hold out a lot of money as well. What am I budgeting for? What am I budgeting for? What is anything? You guys aren't together anymore. So what am I budgeting for?

Who am I budgeting for? What are we doing? Well, okay, where do you want this conversation to go from here? What can I do to help? I think we just want to get out of debt. We just want to get out of debt to where... Individually? Individually.

Yeah. Probably, yeah. Okay. We're going to put you through our budgeting program. Make sure you take it's the best. That's ever been created anywhere. take it take it no take it individually

we're obviously going to gift it to both of you take it it will create a concrete budget but we can create a temporary budget for now this is more because it takes really hours and hours to build a true concrete budget for the first time but we're going to do a idea of a budget when you go through the program you're going to actually figure out how to stick to a budget and make one

Sarah about two thousand four hundred dollars a month your debt in a monthly payments are not much. $148. What's your portion of rent, individually? Individually, it would be $4.98.

That is ridiculously cheap. I love it. And water, gas electric. Gas, we've only gotten one payment so far, but individually would be 32. And water? Water would be, we haven't gotten that for one yet, because it's still tied to our electric. I'm going to say 10. Renters insurance. The renewal fee is about to come out and it's 140, but it's a year.

Yeah, it's 140 a year. Okay, we'll put it as a little 12. And internet. 20. Gas on an average monthly basis, drive, drive, room, room gas. 120. And no car payment, car insurance. Yes, we're combined right now.

If we split it down the middle, it would be. It's 378 together, so... It'd be like 180, 185. 189. Total paper fun. Giving you 75 bucks. Anything else you need to survive. Necessary food.

How does that food work in this household? How is it planned to work? And yes, you're actually going to cook like a big boy for the first time in your life. Congratulations. And same with you, like a big girl. You're going to cook. Okay, I will... In her defense, her and our roommate actually is the one that does the cooking, I actually do the dishes.

Congratulations. Well, I mean, so how would it just say? the food work at this house? We just split groceries. Whatever we need for the house. All right. You're allowed to contribute up to $300. Same with you.

No more. Okay. So you can continue doing it that way, but you're contributing. We're not going out to eat. Subscriptions. What was your phone total? 44.58. Okay.

I'll be 45. Okay. Anything else you need in life? Your gym, are you going to continue paying for it? Yes. How much? $12. dollars.

And anything medical? Besides the medical debt. Oh, prescriptions, probably like $30 every three months. Ten, okay. All righty. Anything else? I think that's everything. Enjoy it while you have it.

Because, yeah, you basically have an extra 900 bucks left on a monthly basis, which is awesome. So you need 1,471 to exist. that is your minimum to exist, meaning you have an extra $929 left on a monthly basis. First month, $929 set aside. Second month, the remaining 500, whatever, 70 bucks or so, is set aside to get you to that, 1,471. Then everything else is thrown at Wells Fargo, actually,

is larger. We're going to avalanche because there's no interest on the medical. So it's going to take, So after that first month and then second half, or first half of the second month, it's going to take an additional half month and then three months on top of that. So it's going to take five months total. The Wells Fargo card is killed. And then you have a one month emergency fund. Then medical debt is killed one month after that.

So six months. And then you're going to save up, oh, 200 times. Oh, you're going to save up $10,000 for your emergency fund. which you already have at that point, 1,471 in there. Divide that by the 950 you have left on a monthly basis at that point. And then it's going to take another nine months. So I say this is a year, you're in a quarter.

You're in a quarter process. That's not bad. So maybe close to the time that you guys either move out or continue to stay there, you'll be debt-free and you have a fully funded emergency fund. Sounds fantastic. Congratulations. I assume a lot of your numbers are going to be the same,

but let's go through the income. certainly is. Yeah. $400. Rent is the same, I'm assuming? Yes. So that is $498. And utilities are split the same way?

Yes, but the same way. Good. And your car gas, monthly? Monthly, it's like $80. And car insurance is split down the middle. $189. $189. $300 is what you're allowed to contribute to food.

$75 for your toilet paper to find anything else you need. survive in life. Jim, are you going to do that? Same thing? Yes. Go to the same job, live in the same house, go to the same gym. Prescriptions. Before I'm about to switch, but before it was like at least 40 bucks for my medication. Okay. For a month? Three months. A month. Three months. Three months. Yeah, my bad for three months. Oh, that's okay. All right, so 13 bucks. Subscriptions. Phone total. That is, 50 50 50 mm-hmm 50 and let's get your debt minimum

monthly payments use the ones that suck because you're the one that's been bullied by the world of death by my own doing yes yeah you're not going to have as much google room 776 dollars and 98 cents it's actually kind of fun seeing people in some of those situations

with the one that has where debt you have to see what they have to do to get it out of the situation because it takes you a year and a quarter but what is it going to take you let us find out okay so in order for you to survive $2,0.73.98 on a monthly basis

leaving you with $326.2 on a monthly basis. It's obviously and then your debt. Your debt is substantially higher balances too. I mean just being conservative,

let's just call it being conservative, a one-month emergency fund plus the 12 month plus getting to the six month emergency fund after that which is 12,000 well you wouldn't need that no your one your emergency fund's going to be similar to hers once you have it paid off so 10,000 so okay 10,000 and then I'm just trying to figure out what the whole process is so one month emergency fund then also the two credit cards plus the getting to the 10,000 hours for your fully funded emergency fund you need a total of 35,35,35,0.41 cents now This is without interest-scoring, but it's also without paying off any of the debt,

which gets through to minimum monthly payments. So it's going to meet in the middle. Again, the budgeting program is going to be much more concise, but we don't have that kind of time. It takes hours. It's going to take you 108 months or nine years, which obviously is not great. So you have the other side of the issue. Because you got yourself in a lot of debt,

and we do not have the combined household income to take care of this. You haven't gotten yourself in as much debt. you could take care of it and you're in a quarter here's it's going to take almost a decade you need to add an additional 20 to 30 percent to your hours can you do that at your job can he do that yeah yeah we allow a day allow a lot more time almost endless yeah yeah okay 20 to 30 percent extra you need to bring that gap to where you're bringing it where you have an extra 290 not 229 dollars like she has so you need to make up an additional about 500 bucks you make up that extra 500 bucks on a monthly basis and you're both out of this at the same time

time and then you can finally just fly off live your own lives but that's where we're at in terms of getting out of debt and then there's the whole investment situation which how much you have invested at 22 nothing how much you have invested at 25 extra because that's older yeah you don't want to lose the best decade of your compound life uh growth in your life you won't lose as much time as long as you just continue what you're doing you need to increase your but you've already lost time then we're contributing to whatever retirement plans we have at work and then we're also yep and then we're maxing out our Roth IRAs and if you have anything individual you can even do you can start throwing things in like individual brokerages in things like moo-moo that I use and that's where it gets fun and we can have the conversation about that at the time um that's what it's going to take what do we think what do we think that's a lot better than what I was calculating for myself okay I thought it was going to take me like three plus years but I I don't think I was being as strict as you are in the budgeting area.

Why? I don't know. It's probably the subscription part. Probably. That probably is some of it. I don't know. I also budgeted myself less money for groceries for some reason. Well, you guys have a unique situation.

I said up to $300. That's what you kept yourself. Again, you're going to go through the program and you're going to detail everything. If we did that here, we'd be taken all day and no one has time for that. So if, again, It takes a year and a quarter to do this.

If you have a little bit of fun money in there and it extends it to a year and a half and that gives you a higher chance of actually making it all the way there versus falling off in a year and a quarter, that's fine. You just don't have room for fun. If you do, you're working even more. Okay? You can make something work. It's small. It's like a hundred bucks a month.

But if that's what gets you there, that's what gets you there. What do you think? Kind of what I expected to be honest. I wasn't, I'm not too shocked about how long it's going to take, but that does, I am going to have to pick up more, more hours to be honest, do some more, making more money. Well, since you guys are a household right now, we're going to give a household financial score. But when you're separated, then we'll do the individual. But for spending in a budget, it certainly wasn't the worst. Damn, you were spending money when you were over a credit card balance, which really is going to weigh it down.

So I'm actually going to have to bring it down to a two out of ten. Debt, again, combined as a household, with the income situation, the car's a bit much. It is quite difficult. That city diamond's pretty crazy. I'm going to call it a three out of ten. Not good, but definitely not the worst by any means. But again, over the credit card balance,

so I've got to bring it down a little. Because of that, I have to bring it down to it too. That sucks. Emergency fun. Well, right now there's nothing. We know that. Retirement, there's nothing. Uh-oh.

Real estate, there's nothing. Uh-oh. And our financial score for the household right now, one out of ten. Make sure to check out all the resources. Link the description below there, what I use or would use in specific situations, including the best budgeting program,

in the history of the world. Now, stick around for the financial audit post show. Today on the financial audit post show. I did say he's a little short. I don't tell are you? 5'3. I mean, you still got three inches on her, which is huge. Yeah, but I've got 50 pounds on him, so he can't even donate plasma.

He doesn't want to hang up. Our roommate's actually trying to do that. Or hit the treadmill. I don't know. Pick which one. One to get small and one gets bigger. To watch the financial audit post show, click the join button below.