Financial Audit - Mail-Order Bride Hates Her New Husband | Financial Audit

Episode Date: January 22, 2025

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f***. You spend a lot of fucking money on fucking snakes. You made a bad decision. I can tell you here. I can tell you in the house. I don't care. All of our education is bundled together for 15% off with a 30-day money-back guarantee. Go to Calebhammer.com slash bundle. Or click the link in the description or pin comment below. Hi, my name is Tessa and I'm 22 years old. Hi, my name is James. I'm 22 years old. We're both from Dallas.

And this is financial audit. Thanks for coming down to Austin, guys. So we'll start with you. This is a married couple, right? Yes. You guys are young. Wow. Me.

All right. Near and I'm 30. I'm making me a bit nervous. I kind of had to marry. Oh, is there a baby involved? No, no, no. Not yet. So we apply for a K1 visa.

I'm not from here. I'm Mexican. Is this a 90-day fiance type situation? Pretty much. Is it actually? Yeah. What the fuck? But no, we don't have a show.

We didn't. Yeah, we were thinking about it, but we didn't. When did you guys get married? I literally had no idea. Okay. October 18th. Okay, so just got married essentially. Yes.

But we have three years together already. November 21 is when we first. Are you marrying for good reasons? Yeah, no. Yeah. We met through Instagram because of my best friend. They studied together. And we started a relationship.

This is not a gold digger. That's what my mom-in-law thought. But no, it's not. I swear to God. Okay. What do you do for a living? I can't not work because the government say, I can't. But I used to.

I have my career. Yeah. What was your career? International relations. Yeah. I'm like customs. What's the plan to get into work? Logistics.

Okay. Yeah. What's the timeline? Whenever I have my green card, I can work. We don't know. It could be six months, a year, two. It's kind of a long story into that because we have to pay for the process to begin. And for our legal team that's going to cost about $3,500.

$3,500. Okay. And you guys have done up to your eyeballs. So obviously that would be kind of, all right. I guess we probably need to hear those. story here pretty soon, but what do you do for a living? So I'm a order selector for a cooler company. Our major clients are sprouts.

So basically what we do is we... What do you make? I make $23.50 an hour. An hour? Can you support both of you guys on this? How many hours a week do you work? About 40. I'm coming off the busy season.

So, yeah, I was working about 50 hours a week over the past three months. Right now I'm working about 35 to 40. assuming paid time off and everything. Talking $4,000 essentially a month before taxes. Yes, roughly. Well, it's your account monthly? Currently with the 40 hours a week, it's about $2,800. Okay, two people, $2,800.

We're stretching it. Well, no, you're debting. Yeah. Not stretching. Let's not think of ourselves as making it. Yeah, true. What was the intention then, behind what was our plan then with income you guys getting married and everything what was our plan

what did we discuss what was the hope so eventually what we were planning on doing was getting her into her career field because with her logistics background she what do you do for the next two years just worked towards getting back up and current honestly that's that's the main goal is getting out of the hole that i dug myself in now my wife into oh this is all you pretty much so you didn't bring any debt to this table uh all right international or anything? Not really. Like 300 bucks.

Okay. What's your rent? 1320. 1320. So we're looking at almost half. About half the income, yeah. 1320.99? Yes.

Ooh. Okay. Yeah, it's not the lightest rent. Okay. So what happened? You guys said story, story, story. Go ahead. This is your time.

So we really didn't have like a timeline. We applied for this visa. on August 22nd, 22, 23, August 23. And we didn't know if we were going to get approved, like, quick. And you guys actually do like each other. Yes. Yeah. Do you love each other?

We do love each other. Okay. Just want to make sure. Because, I mean, you said like the 90-day fiancé. You got to clarify with some of these things. But yeah. No, for sure, we had enough information between us and the government to be like, you know what? Seems pretty legit.

They ask you for, like, letters from your family, from your friends. that actually is a legit relationship. So, yes, we passed that. And we love each other. I love him. Okay. Sure. What, you didn't say that you love me too.

I love you. I'm sorry. Okay. Okay. Okay. I was in high school. I was a junior in high school. I met her best friend growing up in a passing period.

So she was a grade year older than me, so we never actually like had. classes together. But what ended up happening was we met during state testing. I don't know if you're familiar. No. So if you state testing? Yeah. So if you pass through all of your like your star testing, stuff like that, then. This is all Texas. Yeah. Yeah. Sorry. So you get put into a passing period to where like all the other kids that actually have to take the test. They will go into the holding room and that's where I met her best friend. We were playing Uno together and she and I was kind of just sitting in the corner. I was more, I was more of like a loner. I didn't really want to talk to anybody. And she was

like, hey, come play Uno. It was like a group of six of us. And then we kind of talked and... You definitely looked like a guy that says in the corner. Oh, thank you. I'm sorry. I try. Yeah. I mean, I got out of my shelf for the most part. But yeah, in that, in that time, it seemed cool. You seem cool. We talked. She ended up going back to Mexico. And then she told her about me. And then that's kind of how we started talking. It's not what it happened. So she posed a story in Instagram and close friends. And she was like, I'm looking for somebody who wants. boyfriends. I was like, oh, well, okay. I'm looking for someone who wants boyfriends.

Yeah, like if you want a relationship, right? Like, if you want a boyfriend from United States. Oh. Calebhammer.com slash apply. That's how you become my girlfriend. Looking for them now, looking for wife. So I just replied, and she was like, oh, I was actually thinking about you. Okay.

All right. This is just lovey-dovey backstory. That's fine. Yeah. I don't really care about that. No offense. No, I care more about the money. Why are you in debt?

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my kids, my grandkids, they don't have to worry about money. Okay, I appreciate it. Yeah, that was the goal ultimately. So I got out of high school. Throughout high school, I was working nine to five, 40 hours a week while I was doing full-time school. Okay. And I was in track, so always. But entrepreneurial?

So I went and I was just looking for, originally I wanted to start doing car detailing. Almost every time on the show, this has happened so many times on the show, car detailing, the people that want to have their own business. This is immediately what they go into. I mean, I feel like a lot of the YouTube holes you kind of go into. They're like, oh, become your own boss. Make $500 a day kind of thing. See, I'm more see you 3D printing AR-15s, but. Oh, yeah.

I mean, there's money in that, too. Yeah. There's a lot of money in that. I actually watch a couple podcasts on that, but we'll disregard. Go on, Mr. Car Wash? I eventually ended up going into more of like a, hey, how about pressure washing? Because I've seen that I could do the auto detail. Another one.

It's another one that constantly happens. You go down the rabbit holes, the little self-entrepreneur. The side hustle, make $500 a day kind of thing. So I seen that and I was like, yeah, you know, I see a lot of upside to this. There's a lot of people, obviously, in DFW. I mean, over the past four years, I think it's basically four-ext in the population. Sure. Between people that are moving from California, Illinois, stuff like that.

So I seen that. I was like, oh, yeah, there's a lot of people that are going to want their houses clean since they're older and they're getting bought up by these richer people. So I went into it. I invested. I got a loan for A loan, why'd you go loan? I didn't have the capital at the time. What did you need?

I needed, well, I needed to buy a pressure washer at first. Yeah, what's the money amount? What did you need? How much is a pressure washer? So I kind of... How much is a pressure washer? Okay, the pressure washer was about a thousand. You could have cash flowed a thousand.

So I, yeah. You could have saved up and grind a little. I had, so I had the money at the time. What do you're talking about? I couldn't fund. So it was kind of a weird Tell him it's not one pressure washer So I do have multiple pressure washers

Now today? Tell him that you don't use them Tell him okay I don't think she likes the pressure washers No well she just doesn't like the fact that they're not being used The way that they should be how are they being used They're not being used He lost something from Facebook marketplace and said that it was new Okay he hasn't used it since he what a pressure washer? Yeah a big

How many pressure washes are you buying? So I have two pressure washers. I have one that's smaller. It's a, I mean, people that know pressure washer, it's four gallon for a minute. Are you still trying this thing? Yes. Well, no, you're not. You're not currently, yeah.

Because I mean, I'm trying it. I'm trying it, but I just. But you're not using them. So you're not using it. Currently, yeah. So. What are you talking about? Okay.

So I have the pressure washers. I did a lot of preempted buying. I took the loan money. I did a lot of preempted buying. How much did you borrow? I borrowed, well, I got a, I got a, I got a, proved for a credit card for 10,000. Wasn't even like a small business loan or a personal loan?

No, it was a credit card. 10,000? Okay. And then what do you put on this 10,000 credit card? The 10,000. So they had a deal. Oh, 10,000. They had a deal where if you spend 10,000 within the first three months, they'll give you a thousand dollar reimbursement.

Which, if you're doing some credit card turning can be good if you pay it off. If I had the anticipation, I was planning on being able to pay it off within the first six months. Obviously, it didn't work out that way, but I thought that with my work ethic, I would be able to turn over 10,000 easy. And especially with all the YouTube holds. Why? What is so confident in this? Every single person that goes down these rabbit holes like you, and it is not bad to have a side hustle. It is not bad to be entrepreneurial. But every single person that goes down these rabbit holes are just beyond, beyond confident that they are going to make so much money. They don't even think about them now. They're just like, I'm going to make it. It's going to happen.

getting on that fucking grind set Got to Yeah your grind set Is led to just endless debt Yeah that was I mean yeah the hindsight of it was Was obviously horrible But I jumped into it with good intentions

And I still do have good intentions Good intentions You're washing off dirt I mean Okay Well I guess that's a noble thing But Yeah I mean well

Obviously people want to get their houses clean Yeah there's also a thousand other pressure washers What's your business strategy that makes you unique? Yeah, being a little bit cheaper, more available. Yeah, being a little bit cheaper, more available. That was kind of my- Other people aren't available?

You think the price market out there isn't competitive? It is pretty competitive. I thought that it wasn't as competitive as it actually is, but then I used the rest of it to get into window cleaning as well. And that is actually what I've seen most of my ROI from. Gosh, okay. So I do the water-fed pole systems. What income can I calculate for all this?

Well, it's not really a set thing. Okay, what do you think about this? Because I see you just sitting there just like, She's just kind of stewing on it. Yeah, what do you think about this whole thing? I mean, I help him doing it. I see future. What, wash windows?

Yeah, I see future. But he doesn't have the time to do it. Like, he works, what, from, you just don't work Thursday and Saturday. Yeah, I'm off Thursdays and Saturday. I work five days a week. And you are not doing it. So he's not working on it. Why?

Why? Why? Why? Yeah, why? I was working so much that I didn't have time for her. necessarily. Oh, you guys are in the honeymoon stage anyway. You could do anything and it doesn't matter.

But I mean, it just... Okay, well, what's your thought on that? Was it too much? It was. Okay. Then what? Then what? You all I had to go work those extra things?

He got home and he was just like not doing anything. I was being. I was beat. And I had to take care of the house, like cleaning and I still do. Well, you're not working. Yeah, I'm not. And I am bored. But...

Yeah, I would be, Tim. I get it. He got so tired. He was super. stress. We, we had problems because he was just too stressed and he will like he couldn't focus on stuff because he was stressed. He couldn't. Focus. Focus. Focus. Oh. Good. Yeah. Hopefully that doesn't go anywhere. That's you guys. I'm not going to, I'm not judging. It happens. Okay. Then he got scammed. I did get scammed. I did get scammed. I got scammed pretty early on into my

my pressure washing business venture. So I had signed up for a leads service. That's where a majority of my clients were coming from. Yeah, sure. So Angie was pretty, I guess you could say predatory whenever it came to like, oh, hey. Angie's list? Angie's list?

Yeah. Angie, yeah. So I got on, they were like, hey, we'll sign you up for a, if you don't want to pay for the annual or the lifetime subscription, it's going to be $2.50 a year and then you don't get leads. But if you want to sign up for a lifetime, it's, I think it was $7.99. And then they'll give you a $3,000 worth of the leads. Okay.

So in retrospect, I had the money at the time. I was like, yeah, let's do that. Well, you mean the credit card? Yes, the credit card. I had the credit card available. I had to spend $10,000. In my mind, I was like, yeah, let's spend $10,000. Let's make it quick.

Make it quick, make it snappy. They fucking won, man. They beat the system. Honestly, they've got everybody just like in a loophole. You? Especially us, yes. You? And a majority of the leads weren't actual leads.

They were fake people. They were using fake info. They were providing fake addresses, and they were saying, hey, come to this address and do this. I would go out there. It's like a beater. It's a trash house. So the guy says, hey, I want you to come. I'm moving into Dallas in a month.

I want you to go check out this house. Give me a quote for how much it would cost to clean up the whole house. It'll be $8.50 to clean the whole house. He's like, okay. So I'm not going to be in in a while. I'm going to send you a check. So I get the check. But in the check, he also provides.

an amount for his electrician because he said obviously I'm not going to be there I'm going to put your pay and his pay into one check that doesn't make sense it doesn't in the in the in the moment I was like okay sure whatever what's why how would that even possibly make sense to you that's this that seems like it in I mean you so beyond easily I so I didn't understand checks at the time I've never I've literally in the in the new age they are pretty just it's outdated and I've never and being like 20. So what? You did the work? So I didn't even do the work. I got the check. He was like, okay, go ahead and send the money the rest of the money to the electrician because the check cleared. I'm sorry, I shouldn't. You're good. Oh, but that, you're good. It's stupid. That is what a 90 year old falls for. Yeah, I know, I know. And the check cleared. Oh. The check cleared in the account. It was, it was for sending money to tax. It was a, it was a, it was an African prince. The African prince got me. And he, he was like, look, just send the money to this place to him through this

crypto wallet and I was like okay cool let's do it and because the check cleared and I threw a crypto wallet yeah I know I know look guy how was there was nothing but red flags the whole time I was nothing but red flags the whole old were you I was 20 at the time oh you were not young enough to be that naive that's crazy in the time I seen the 4k hit my account I was like oh yeah well it's my money now I was like okay cool I got 4 Gs in my account this is fine and then obviously the check bounced. I had already sent a thousand to the, to the crypto wallet. He, originally, I was supposed to send 3,000. But I was like, you know what? Let me wait until the date of the job to send you the rest. And then the check bounced. I said, what the, what the, and then he was,

he was like, you still need to send the rest of the money. My bank, my, my bank manager will figure it out. And yeah, that's how that way. Did you? No. No, it was only the thousand. I got prevy to it. That's funny. You're crazy. Dude, it rocked my, it rocked my world. It sucked. I can't. It sucked. Unfortunately, I don't have any kind of connections that could get you leads.

I can give you one of our partner, Stan Store, so you can get a better storefront for your business. Okay. That's pretty cool. We've used them. They're pretty good. So I'll get you connected with them, yeah. Yeah. So I've watched a couple of the episodes, and you mentioned, I think you were talking to somebody about a Toro, like he had a car that he was putting on Toro.

So you spoke to, you were speaking on an app called Thumbtack. Oh, yeah. So yeah, I started using Thumbtack, and that's where a majority of my business was coming from. Was where now where's your business? I don't have any real. Well, I have time. It's just that I haven't really been putting the effort that I should have been into it. I've been putting more into the relationship.

All right, so you got some overtime paying and $5,59 came in through payroll. So that's good. It was, it was nice. Usually it's 2008, 50, though. Yeah, now that we're back into like the slow season, yeah. Well, you're giving face towards them, what? Nothing. Oh, okay.

She's just into it. Okay. Feeding in. Huh? She's just tapped in. She's locked in. How much do I think you spent? How much do I think I spent?

How much did you think was spent? Again, 5,599 came in. Usually it's 2,850. How much do you think was spent? All of it. How much do you think was spent? I'm going to say the 5,000. I'd say about the same.

Okay. 6,497. So I don't know what the fuck you guys are talking about. You don't even know. You guys are married. Do you have access to the finances? Do you know anything about the finances? do you know anything about the finances?

Where do you think your guys as finances are at? Because you guys are combined. You guys are married. Yeah, I know. I don't have access. I don't have the app in my phone. But. App, okay.

I know. Yeah, I mean, we sit. He talks to me. He said, look, this is what I do. Does he talk to you or does he talk at you? He talks with me. So he does. He leads you through it?

Yeah, I'm not giving her the runaround saying it like, oh, we're millionaires. How much you understand about the numbers? It's a pretty different system. Yeah, but what do you think your household finances are at today? Mm-mm. They're not good. Sometimes we cannot even pay. You can't pay what?

Pay what? So we got an eviction notice. Oh, good, good, absolute. Who knows? It's like 50% of your damn income. Yeah. In eviction notice? Yeah.

So how many months were we not paying? No, we pay. We're current. Yeah. The only reason why we got the eviction. Yeah. See, the only reason we got the addiction notice. late on rent.

So, yeah, I mean. You don't get to quit the other jobs if you're late on rent. I don't care if it means you're not able to get up, man. You just, you have to be able to pay rent, roof over the house, or break that lease. I know it's expensive and then move to somewhere cheaper, which I know you can, just a little tighter. Yeah, we can move to the ghetto, you know, it's not like it's that big. Not just the ghetto. You can have something smaller.

What's your apartment size like? We're not even that big of that apartment like. It's like six. It's a one bedroom, one bath. It's not an efficiency, but it's 664 square feet. So it's already relatively small. It's a very good, it's a decent location. Now it's very good.

You were correct when you said that. Your brain was correct. For the access, it's pretty close to the highways. So like getting to and from locations, Zach can just zip. Then we had a storage unit that it was too expensive and too little. Yeah. Because all of kids.

Dude, she's outing out all your dumb assery. I mean, that's what Wister for. Okay. That order to get citizenship. Um, so he was a, I don't know about that one. I'm kidding. Go on. So he was spending like, what, almost 200 on the storage unit?

And it was a 10 by 10. And it was a 10. It was a 10. It was a, so I had signed up for. You already don't know that you spent $1,500 more than you made out on a great month, $1,000. But in reality, it's double, double, more than double on a normal month of your income. In fact, I see you had to pull from a brokerage.

Yeah, if we're pulling from a brokerage, we're being stupid. From an IRA, you pulled from a tax advantage account. Good. But we need to talk about the snakes, though. What? Do you want to tell him? Yeah, I'll go ahead and do it. This is so many fucking awakening.

So, yeah, yeah. So go on. Let's just people. When I say, when I say entrepreneur, I went into different. What is he selling? It's a dumb decision. At this rate, I mean, I might end up having to. I want to give you free money right now.

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and into your Mumu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resource section of the description below, so don't pass up the free money because I'll punch you. What? Show Chi-Chi's. I know what. What are you saying? I purchased Ball of Pythons in the intention of breeding and selling.

The fuck are you even on? What drugs do you take? Who even thinks about this? What rabble-do you have to fall down to get that one? So I had a buddy of mine, well, still friend. We're still friends. He has he's a very He's very invested into the ball python industry

He's he's got a decent Who the f f is buying ball pythons? Him and me now, yes Him So really it's like a ball python period Whether it's a movie night or just midday Skinny Pop is a salty snack that keeps on giving Made with just three simple ingredients

For an irresistibly delicious taste And a large serving size that lasts deliciously popped perfectly salted skinny pop popular for a reason shop skinny pop now pyramid scheme you get breeded python so that you convince other fucking bald python potential breeders to make more money you just sell them you breed and sell to them so that they can breed and sell to other people the fucking ball python pyramid yeah call me one time right and he was like buying a pole python he was like look i have this um business, whatever. I was like, don't do it. He did it. He didn't give a fuck about what I said.

This is our marriage and you didn't give a fuck about what I said. Yeah, listen to your sassy Mexican situation because you spend a lot of fucking money on fucking snakes. Yeah. That's how it goes. And they're not even given any kids yet. Yeah, there hasn't been anything back from it yet. Babies. I bought them. Oh, no, no, no. The snakes. Yeah. So I bought They're not, they're not. No, they're not producing yet. So are you sure you have the correct genders necessary for reproduction? Yes.

Yes. How many? So I have 10 currently. How much was all these? $7,000. $7,000. $7,000. In nine,

nine snakes. When to, when, when, when possibly, when, when possibly did you, this is the dumbest thing I've ever heard of mine. When did you possibly do this? Probably about a year, a year ago. Why'd you continue with this marriage with someone that would do that? I mean, at the end of the day, I was not living with him. I was still doing my own money. I was like, okay, okay, go do whatever you want to do.

I'm sure you love him, but can you be with someone that does that on a quarterly basis? I mean, I think that. And now they're just sitting there slithering around and not banging? So my male was smaller at the time. He wasn't, he's probably about that big. Now he's about this big. he's ready to breed. And he has been breeding with some of my, my friends, females.

Have you sale any? What's wrong with yours? Have you tail any? They're not, they're not big enough yet. They have to be a certain. Why would you get small ones? So their, their genes correlate to dollar amounts. So I purchased high, higher quality snakes that were smaller.

Who's going to buy them? It would be other breeders that have. It is a pyramid scheme. Pretty much. It's just, it's just other, it's other. Oh, do you even know the other breeders? you know the breeder that gives it to you? And he uses your snake nut.

Yeah, pretty much. He's in the loop. He knows other like higher... In the loop? Dude, he pyramid sold you. He recruited you. He lives in Florida. He didn't move to Florida.

I don't even know what to do with that. Why don't you just sell them and get out of it? I told him to do it. I would only get about half of... Why? So their genes have deprecognized. depreciated in value. It's been a depreciating asset, yes.

Oh my fuck. How do you even know? I check the market. I see like what genes that might make. There's an app. There's an app that we're nationally trade. So you lie to me. You let me. You're gay trading snake nut.

You're freaking lie to me. You told me that you made your research that everything was going to be okay. And right now you're saying that they decrease. They have, they have depreciation. Guy, you're a, I don't even know. You're just, but. I've dug a pretty deep. You're not starting businesses. Your entrepreneurial mindset isn't starting businesses.

You just try to go down every little get rich quick scheme. That's what you are. You are attracted to whatever next get rich thing someone's going to point at you. You are going to take it. This is what you do. You're not a business owner. Is what I've been doing, yes. I just,

I really think that you just did it because your friend has like more than $4,000 in like snakes. That's why it seemed it seemed like it was $40,000. Did you buy from that guy, right? No, I purchased, I purchased from other breeders. Not from him. And I have a depreciating. Yeah, they are depreciating assets. Even though they're closer to breeding.

They are closer to breeding. So now if I, if I, if it and win. What's a little baby worth that you'd sell? Um, with my, with my males that I have right now and my females, whenever they're all ready to breed, I could have any, between 40 to 50 eggs a year and each one minimum would be $400. Maximum could be anywhere between 5 to 10, depending on if they get the correct genes. But it's only going to go to other breeders.

Or someone that's looking for pets. I mean, it's not, granted, the pet market mostly goes to like Petco or Pets. Yes. Yeah. And they're looking for just those little ones. And you're not competing with them. Yeah. I mean, I could.

You're not going to. I could sell to the pet stores, but it wouldn't be for probably about like, 100 bucks. A normal a normal bot python right now like just standard skin is $40, $50. But that's not the ones that I have. Go! Minor, minor pie, desert ghosts, just different gene types. This is so stupid. This is beyond stupid. All right, guys, I just need to see self-assess, and then we need to get into these numbers. Self-assessed, I'm going to go, two, one, go. On-go.

I want you both at the same exact time to give me what you think your household financial score is. Zero being the worst, 10 being the best. What do you think it is? Household financial score? Yeah. Zero being the worst, 10 being the best. Three, two, one. One.

Three. Oh, she loves that number. Dick, okay. Why? I'll take it. I mean. Explain? I mean, I don't go to work, so I'm okay at the house.

You got an eviction notice. Yeah. Okay. need more than double what you normally make in a monthly basis. And the dude has fucking snakes slithering around trying to make that as his pyramid scheme. If you guys want your financial score, take the quiz. It's free. It's fun to see where you stand.

The link in the description below. If you guys want to come on the show as well and you're breeding snakes or whatever you're doing, man. Come on the show, Calebhammer.com slash apply. I'm curious. I may as well just ask this because, I mean, people always ask out there about the process for coming on the show. Okay. I'm yelling at you. I'm making fun of you.

Please tell us for people considering coming on the show. Were you made fully aware of everything that was going to happen here? I've seen episodes. We've seen episodes. We knew what we were getting into. Yeah. And I mean, we're just looking for guidance. We're looking for what we can do and how we can get out of the whole.

Yeah. So you guys fully understand what you're getting into. And the onboarding process was good. Yes. Okay. So you can tell people to stop being offended on behalf of other people that aren't actually offended. I applied on Facebook Marketplace, if that says anything to anybody. Good.

Man. Come on the show, guys. We'll see you here. It's not that hard of a process. And if you have a good enough story, by all means, Caleb's going to yell at you a little bit, but you'll be all right. Okay. This is a huge card of card balance.

Chase Freedom card. So these are all in your name. Yes. So on here, we're sitting at $3,581, $0.481. $0.44. Huh? Chase Freedom Unlimited, yeah. That's the, that's our, that's our person.

personal credit card. Yeah. So what the fuck is this? This is a card that is accruing interest. But yet with the money that you put on it, you immediately put back on. The money that you pay, you immediately spend. Why? Why leave the balance, honestly, going up because the interest makes it go up.

Why? You're over the credit limit. Why would you put yourself over the credit limit? Why are we spending? What? Why would we spend money on a card that we cannot pull a fay off that is a credit off that is accruing interest, but not only that, why do you push it to where the interest would push it to above the credit limit? Why is that an action and a choice that we are doing? Do you guys want

to have kids? Yes. Okay, good. So we probably should be pushing our credit cards to above a credit limit. I don't know. In my, in my mindset, I'm thinking... And your mindset has to be... It's in the toilet, for sure. My mindset is not the best right now as far as the financial hold that I've dug And if you're recognizing that, then why wouldn't you fix it? So right now, I mean, yes, we're fixing it. We're in the process of attempting to fix it. It is. You purchased and went over the credit limit.

If I'm spending the money, I might as well get some points off of it. Your points? What points you're getting? Point two? I mean, two points. It's better than zero on a debit card. No, it's not because you're not getting any interest on a debit card. Are you stupid?

No, no, no, no, no, no, no, no, no, no. No, huh? The interest is still going to re-hit. Like, if I don't, if I don't, if I don't get it. Yes, but on a lower balance if you're spending on a debit card. You're essentially lowering your interest from 30 to 28% because you're getting 2% cash back if you're even getting that. If you're lucky. Cool.

Or you can pay the balance down further and have 30% on a lower balance, which would be better for you and not get 2% on your debit card purchases. Ooh! What a fuck my glasses? You know that math works. I don't know. I would rather have, I don't know. That was just bad. It was bad thinking.

Honestly. I'm thinking you're actually doing this consistently. Yeah. You're not just thinking you're endlessly doing it, man. In the mindset and same points. I was thinking of the points. That's what it was. It was accruing $82 in interest.

You are above the fucking credit limit by $81. Your minimumity payment is an insane $118. insane for you for someone who had the fucking little air-conditioned special little storage unit. For someone who has rent, they can't afford. For someone who goes thousands of dollars in debt for their business. appreciating snakes. You cannot purchase on here. Close the account.

If you're obsessed with the debit version, you can do the FIS card. Like everyone that I recommend on the show. Okay. debit card that builds, Gets you rewards, but at least it's a fucking debit card. This is insane. Dude, you do not have any wiggle room.

No. Any wiggle room to add a minimum payment into your shit. It's tight. It's very tight. And then the truck happened. This girl, like, she's bottling up all your shit. Look, I mean, yeah. She's just, how?

I mean, this is, this is the, this is her version of, I mean, look, We came on the show. We need to figure some shit. And this is her avenue of letting it all out. Because I know that it's been fucking with her. What are you talking about? I told you every day about that f***er truck. You made a bad decision.

I can tell you here. I can tell you in the house. I don't care. It's a bad decision. It's a bad decision. And it was a bad decision. And I told you. But you, again, didn't give a fuck.

Well, why don't you listen to her? It sounds like she brings up for every topic. I'm. So. How do these conversations go? Bad. Oh, go on. He's just like, okay, yes, I listen.

Okay, yes. And then he goes to bed and he wakes up and he's like, I didn't hear it. I'm going to do whatever I want to do. That wouldn't mean a long marriage is going to happen with that attitude. Yeah, not wrong. I need to fix it. This is something that I need to fix. I'm sorry, but that's just the way that everyone gets out.

When they consistently do bad things forever and then they get confronted, yeah, I'm going to fix it. Like you sound like. You're saying something where you're acknowledging it, but it's not that. This is what every person does that tries to get out of something, then they continue down the same path forever. This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online.

We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile. applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs,

you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. He's not a bad husband. He's the love of my life. But I just want him to like take the right decisions.

And if I am telling him like not do something. Why don't you listen to her? I do listen to her. It's just, no, not in these situations. Obviously. So try to put yourself in the shoes when you did not listen to her. Why? Why?

I thought I knew better. I thought that I had the blueprint and that I was going to make everything work out. Why you always say that? You said that with the snakes. Now you're saying that with the truck. What's going to be next? I don't want there to be a next. I don't want there to be something to where we have to continue down this road.

And what are we doing to not have a next one? To not have a next one. By now, thankfully that the truck is in the process of getting fixed. In the process. So I'll elaborate into that. So I purchased the truck about a year ago with the business. It was included in the credit card.

Oh, oh, that really? Okay. So it was included, obviously, pressure washers need a truck to carry it around. So I purchased the truck. It's a 1996 Chevy S-10. It's a four-cylinder. So it can't tow that much, but it's, gets really good gas mileage. So in my mindset, I'm thinking, oh, I'll get good gas mileage,

I'll be able to go longer distances, save money on the gas, and be able to, the headlights were really dim and the highway coming back from there doesn't have very many lights. So I mean, this sounds like a lot of excuses. Go ahead. I mean, I'm not even, it's not even an excuse at that point, like, because I know, I know that I f*** up. No, what do you do then? You pull the over. Yeah. Well, I had to, I had to get back. I can't. You can Uber. You can pull over, Uber, get it tomorrow. That would have been like 100 bucks. Like 100, 200 bucks.

Better than what I assume is about to happen. Well, no, I didn't wreck it. It's still, I drove it. I drove it here today. I'm just saying it was, it was, it was, it was, whenever I drove it. What was that story? Whenever I drove it back, I knew that I was about to get into the, because I see the headlights are a little fuck.

I'm like, okay, here we go. This is something I'm going to need to fix. I get it back. I park it in my buddy's house because I'm about to work on it. As soon as I come back that morning, there's transmission fluid on the ground. I get it to a transmission shop. You got to rebuild the whole.

whole thing. How much is that going to cost? $2,800. You're going to have a three-year warranty. Okay, cool. Let's do it. I get it done. Because obviously you can't drive around without a bad chance. Where does this money come from? I had a decent savings saved up. I had a lot of money. Obviously, you see the statements. So you don't borrow money from anywhere. No. I had a

770 credit score. I just had a long streak of just bad decisions and that has put us into the point to where now I had to So my engine blew up on the truck. So all in all, the truck has probably cost me about $7,000 for the fixes. We owe his grandma for the engine. Yeah. Because she put it on a credit card.

You just told me you don't borrow from people. That was before. I'm talking about back whenever I had the money saved up. I didn't. What do I give a fuck about that? I'm sorry. You're borrowing for Grandfather now? I didn't understand the question.

I apologize. What? You think I'm asking about fucking the ancient mine and time? I don't give a shit up back then. I'm talking about now. Why do I care about what happened to you in middle school? I don't give a fuck. Oh my gosh, dude.

So yeah, I did borrow from my grandmother. You just want to look good. You just say whatever is necessary to look good. I mean, you're not going to wiggle out of that, man. You've got to confront your real shit. Yeah. You're borrowing from grandma. Grandma.

How much you owe to Grandma? Let's write that down. So right now I owe. So I have two different. How much? I owe 1100 Your grandma I thought I was going 1,000 route

Even still that is Not great I mean from grandma likely retired right And brother How old's grandma? Grandma's 64 Grandma's 64 You're borrowing from a 60 year old

And she just said and your brother An uncle Yeah brother Grandma What? What's it out? Grandma is uncle Grandma is uncle

That's the 1100 is What? Yeah well I came from That doesn't What? She has access to his savings account. He goes to college full time and... And he took from her? Him.

She took from him? Yeah, she has access to it. No, no, no, no, no. Are you telling me that your grandma took from uncle? Yes. Does uncle know? Yes. He gave... Why didn't you borrow from uncle instead of from grandma to uncle? Well, I just put both of them in one name. I mean, that's... He knows. I spoke to him in regards to it, but she's... No, no, no, tell me how this worked. Okay. So... Oh, my fault.

truck I don't give I'm talking about just the borrowing guy the barrow yes I had to borrow from them

in order to get the truck how from grandma and uncle you mean individually no so look uncle is the 1100

it came from his savings she has access to his savings I spoke to him I spoke to him in regards to borrowing the money why did the grandma do it

though instead of him because he's in Kansas he's not he doesn't oh electronic transfers don't work in Kansas yeah

well Venmo does it. What are you fucking about? He's in Kansas. What do I give the fuck about Kansas? But look, yeah, he. Oh, they have corn. Guys, they can't transfer money.

Yeah, he can't transfer the money. No, it, it got. What I'm talking about it? Yeah, through grandma. I spoke with him. He gave me the green light and then I've been dealing with her. Dude, so weird. It is a weird thing.

And you pay her and he pay, she pays him? Yes. Why? Why is she the middleman? I, that's just how it's working out right now. How much did you borrow total? This is insane. This is the stupidest thing of.

Barrow total was, uh, dumb. It was right at like 1,500, 1600, 1600. When? Uh, whenever the truck. When? When? About two, three months ago.

Oh. And then, and then brother? So yeah. Your brother. Brother is also, your brother. Brother is about to be 20. You're borrowing from a 19 year old.

Yeah. You are married to this. look, I'm not proud. It's not something to be proud about. Listen, that's again, you're one or just one of those things that you're just, you're acting like the, oh, you know what, I'm acknowledging. But I don't know, you're one of those people that says that over and over again when they're confronted, but then they continue the same path.

It always happens or else you would not be doing this stuff every other month guy. So how much did you borrow from a 19 year old? That was 600. How much is so old? 25. So we struck a deal on that. So I've been paying for his phone bill for going on two years. And I told him that since he is earning income, like he's making everything. And I'm obviously in the hole. I said, hey, man, I'll keep paying for your phone bill. And we'll just use that until we're paid up and current. So he's got 15 months of a paid phone bill. Kind of struck a deal with him. That's how that went down.

Because he doesn't really need the money right now, he told me. So he's. unpredictable. But you can flare less with ebbglis, a once-monthly treatment for moderate to severe eczema. After an initial four-month or longer dosing phase, about four in 10 people taking Ebbglis, achieved itch relief and clear or almost clear skin at 16 weeks. And most of those people maintain skin that's still more clear at one year with monthly dosing. Emblis, Lebrichizumab, LBKZ. A 250 milligram per 2-millimeter injection is a prescription medicine used to treat adults and children 12 years of age and older who weigh at least 88 pounds or 40 kilograms with moderate to severe eczema, also called atopic dermatitis that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies.

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He's like, look, that's fine. How do you feel that your 19-year-old brother is more successful than you? I'm not proud of it. It f***s me up. Trust me, it fucking up. Why don't you do anything instead of repeating the same mistakes over and over again? I need a proper game plan. We.

We need a proper game plan. Because I have to assume some responsibility to. We've been going. I assume on the spending front probably. We've been going to Cancun. He's... Oh my gosh. Lady, you, seriously, in the back of your brain,

must just have a bag full of insane things that you guys have. And you were just dropping them like little pebbles. But I was working. I was helping him too. It was just not only his money. It was mine to. This was way before. How many are you guys going to Cancun?

We've been three times. Over the time. Over the course. Buddy, you just got a foreclosure notice. Not foreclosure. Not a fiction notice. No more. Cancun.

I mean, we can't go now. I cannot even go out of the United States even if I want to. She's here until we get the green card. No vacations in the United States. Yeah, we're not doing it. We haven't. We can't even afford it right now. You could have probably afford it then.

It's a, yeah. How much did you get spend going to Kink? Ooh. So each time was average. $1,000? No. Three? Three thousand for each trip.

No, I pay. But I paid the flights. That was after flights. three after flights so 3,000 after flights you are saying you are saying there could be $9,000 invested growing

over these past couple years growing growing at like 10% average in the S&P 500 I could be buying that you could have bought that you could have bought that shit in MoMo you could open up the Moomoo app

you could have bought S&P 500 that could a compound grew fucking SP 500 exponential growth has grown 50% these last two years 50% 50%

Trust me I look at the charts I've seen it Yet it all went to Cancun It went to trips But it went to trips It was only three times

It was like It was look And I had them Oh my My producers are telling me Even something more What? I can't

I can't even get through this Because it's just like It's just unraveled It's just tidbits You borrowed money from your brother Because you didn't have rent money But yet you still went To fucking Cancun

That was before. This happened like two months ago. Kangaroo was way before. Oh, borrowing from brother? Yeah. Cancun was way before and we paid it like... So it wasn't borrowed from brother. I originally borrowed it from my mother.

Mom, yeah. Oh. I originally had been one of these again. She transferred the debt. Oh, my. She transferred the to my brother. I just want to leave this conversation's insane. Just done here, man

I can't even fit myself I can't even leave this This is oh my f*** Dude gonna crawl away No, just I can't Every money thing you do is just the dumbest thing You saw you borrow from your mom probably And what what what what happened

So my mom ended up borrowing from my brother as well And that's that's how That's how the dead guy's can't Yeah I need to check my blood pressure For fucking I can't Every time I try to keep it rolling There's another fucking unraveling

of insanity. Hinail, exhale. Keep a breathing. You got to f*** of you. How? Look, man. How has your family survived as many generations?

We're keeping it afloat. So on the credit card that we talked about like 30 minutes ago? Yeah. Fit Connect. Fit Connect. Hulu, McDonald's, going in and get in a drink at the gas station

or something. Amazon Prime. Amazon. Fit Connect. What is this? Fickinckinck. That was $63 and $29 and $10. That's the fucking. Fitness connection.

That's the jam. So you pay every time you go? No. So. Why are there three different charges on here? So the 63 was the annual subscription fee that was just to get the application started. And then it was 30. You're just subscribing to this now.

That's for her. I've been. Girl, you're almost getting kicked out of your house. That was way before. What floor do you guys live on? First. Are there other floors? Yes.

Third floor. Go up and down. New Year's resolution I'm okay with the gym New Year's resolution You're just choosing to start all this Plus a new subscription now That was an annual

That was an annual charge We're not going to get that again So currently we're at Until the next annuals dot Yeah Which I mean it's gonna be And then there's a $30 charge And then an $11 charge

So Oh wait a 30 and 11 Yes So the 30 was for her monthly And then the 11 is mine I think monthly counts as a charge You dumb shit. Okay.

Yeah, monthly. Monthly, it's 40. Okay, then PlayStation, then Amazon, and then Prime Video. Oh, $43 of fees this year so far on here. What is this? Late payments over credit pay. Who even knows? But all I know is you're not using the late payments.

What? Entrepreneur. My fuck. Just, dude. What are you? You don't have the money management skills to run a bit. business at this point. At any point so far.

You've been trying it every fucking year for your life. You blew $20,000 in savings. Now you're barring from her family who's barring from your family. And $350 for 67 cents of interest. We're coming out of this. We can do it.

In what? In what world? You spent more than you made last month and even on a good month and you spent almost triple what you make on a normal month. Coming out of this? No, you're not. The f***ing from it's coming out of this. for Christmas. I don't give a shit. You're fucking destroying your life.

Coming out of this? There's no coming out of this the way you're doing it. You're not coming out of anything. But we could. Could if you do something, but you guys don't. We will. Oh, says what? Says what action possibly would suggest that you guys would come out of this?

Saving so that we can get her process started for. Saving? How about let's just start with spending less than we make? But you don't even. even do that. So how are we saving if we spend more than we make? What you're talking about? I spend in more than what we make. So I currently what I'm doing is to make extra money, I'm donating plasma.

Oh, which I'm, listen, I'm okay with it for the, like, if you want to do it. I hate doing it just to survive. Trust me, I hate it too. It's not like I love going there. So per plaz, it's 47 the first donation, and then it's 50, I think it's 53, the next one. How often are you doing it?

It's two times a week. Oh, yeah, y, y'i. Okay. So it'll be an extra 400 and some change. Look, I'm willing to do whatever it takes to get us out of the hole. I've never been scared of work ethic. It's just a matter of me putting us newlyweds into the deepest hole I could have ever imagined. Lots of acknowledgement.

No change in behavior. No change. Yes. You donate plasma, so I'll donate some things to you guys as all. Go through the budgeting class together so you can learn how to use a fucking budget. Take the quizzes together. Same with the debt class and the investment class. So you guys understand all that well eventually.

Meet with the domain financial advisors. Same ones I use. You guys get a free session. Everyone in the audience gets a free session. Go through that. Get an accounting certification through course careers. So you can do accounting for whatever next business you're going to do. And then sit down with a therapist at Sondermind.

It's another one that we partner with. You guys go to them together. You guys get three free sessions. Okay. So these are the resources that I get to provide to you guys for free. So fucking do it. Definitely therapy. All of it. Okay.

Therapy first. Credit one. We have credit one. We have two. We have two credit ones. Oh, credit one. That's just like,

it's just like if I have credit one, I have the worst finances ever created. That's essentially what credit one means. It's a badge of you honor. It's the bottom barrel. Yes, it is. And you're swimming down there constantly.

My body just rejected this. Basically at the credit limit, $777 and 47 cents. Yep. With the $295 of purchases on credit one, why on credit one? Out of all creditors, why on credit one? Oh, because you're already maxed out on the other car, so we have to spend from somewhere and we have to spend more money than we make. So it has to be on credit one.

So there were times where we didn't have any available balances. So then you don't purchase! Here's a money mistake that I see all the time. Having money just sitting in a checking account with a teeny tiny interest rate, doing nothing but gathering dust. If this sounds like you, or you're just looking to store your savings with a return you deserve, I've partnered with Money.com to provide you a solution. With the right CD option, it's like putting your money into a high efficiency workout plan,

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So if you're tired of your low interest rates, check out the link in the description for money.com's list of the best CDs. It's straightforward and your future self will thank you for that extra cash. So head to the link in the description of today's episode. This is a paid endorsement sponsored by Money.com, which is compensated by its marketing partners. But some of those purchases were groceries. Because guess what?

This is for a fucking restaurant. It's from a cafe. From Sonic driving, going in and getting a drink. Going to Bearded Monkey. Going in and getting in a drink. Who stopping at the gas station spending like $6, $7 constantly? $7 at the gas station? Yeah, $7 at the $8.

It's probably me just putting a little bit of gas in the tank, honestly. Oh, my, my f***. Look, that month was wrong. And then a little bit of groceries, but most of it was just fucking around. If you can't spend money, you don't... No more taking the wifey out for a nice little treat. Interest and fees accruing. Of course. Chop this up. Close your credit cards.

You were not a credit card person. I used to be. Not anymore. Oh, fuck you. It doesn't matter. I don't care. Not anymore. Doesn't matter if you were.

It just feels like it can't get worse, but somehow it just... Somehow it does, man. Somehow it does. You know what sucks is you guys are actually like quite pleasant people. I enjoy you guys as human beings, but this is so stupid. So credit one, number two. No, $624. Okay, good.

At a 600 credit limit. For real? I didn't know that. Again, these conversations are on finance. How do they go? Can someone explain to me how these go? So honestly, just kind of boiled down to the point that like, we had to pay a card. We didn't have the money to pay the card.

So we used another card. The conversations around money, how do they go was the question. Honestly, it's just trying to make it happen. I tell her, I'm like, look, babe. No conversation. We can't spend. I tell her, I can't spend this. We can't spend this.

We can't spend this. We're not going to be able to afford this. Crumbull cookies Necessity Uh-huh In museum Grandes Texas Roadhouse Gotta shove those rolls

Down your throat That's pro store They were going in and getting some The gas station Waterburger Feeze Fees Feeze Feeze

Rolling up It's all just This is fucking bullshit It's not even on the necessities It's on necessities And you're saying I literally have no money. I'm just trying to survive.

You would at least have a little bit of sympathy for me, but there is nothing because Waterberger does not fucking count. What a joke. It seemed like a necessity at the time, but it didn't work out. You're never fucking changing. Why? Why this, huh? Because I love him. Why?

You don't know him? I'm getting to, and so far don't like. Well, but I do. Thank you. I love you, I love you too, baby. I love you, too. Chase Inc. Great. Was this the...

That's the business card, yes. What? How would you make the minimum monthly payments? So I've been paying... I struck a deal with them, so I've been paying 50 bucks a month just to... Oh, for my goodness, because the minimum was $6,000.

Yeah, $591. They were calling me very consistently saying, hey, you've got to pay $4,000. Come on, let's do that. And I was like, yeah, I can't do that, but sorry. So $7,725, 86, which is an... insane balance for you. Insane balance. Oh, past due amount, $6,535. What the dude. And now you're going to have this $50 minimum fee payment that's going to make no progress

towards it. And then interest is just going to be going to be. Fee's $731. Fee's $731. That's insane fees. That's insane fees and $258 of interest. That's insane fees. It's, I said so dumb. I don't get it. This is so stupid. Just why? Why aren't you making your payments when they were smaller? That way it would just be normal. Trips. Oh, what a child.

What a baby. What a baby? Want to have a baby with a baby? What are we doing? You actually give a shit? Yes. Then why haven't you done anything? Not one thing. Why haven't you manned up the fuck once or adulted up the

once? Ever. I need to get out of it. I need to get out of the illusion. That's not an answer. I'm asking why you didn't. Why I didn't do it? I lived in a blur. And what has possibly changed?

Getting married? When did you guys know you were going to get married? Pretty much since we met, honestly. We didn't have an exact day. So that would have changed two years ago then. We didn't have an exact day, but we knew we were going to get married. Okay, so getting married shouldn't have changed anything then. Yeah.

Well, I mean So give me a real answer What's actually going to change? Why is it changing? Stopping all the spending? Why? Why does it need to change? No, how?

No, you said it's going to change. I'm saying Why? I just It's not going to change. It's not going to change. I just lost. It's not going to change because you just,

it's not going to change. He doesn't have a reason why it's going to change. There is not an actual reason why it's going to change. Children. And he is just getting children. We're not having children. How? Shut up.

We're not having children yet. Not yet. No. That's the goal. So we're going to make it happen. Sure, but that's the problem. When have you guys decided you were going to have children? We were hoping for 25.

20s. No, no, no, no, no, no, no. When did you guys have the conversation that we will have children? Eventually. Early in our relationship. Good. So again, you've already known that. So why now?

That's again a bullshit response. The marriage you already knew, having children you already knew. So why would this change now? You have no real answer. You try to pull it out of your ass. So nothing is actually. going to change. You don't have a why. And without a why there's fucking nothing. There's nothing. Why sacrifice without a why? There's no reason why I live a harder life in order to get

someone better if there is no better. Why? There's no why at all. I made a promise to her that I was never going to have an eviction notice put on her door. Okay. Ever again? Ever again. There was a one and done. That's, you've made lots of promises guy. You probably promised never to join a pyramid scheme after your fourth pyramids game. And then you joined your eighth. I have been. Exactly. So again, I can no longer believe.

I can't believe you. I cannot. It's impossible. So I got convinced by a insurance company to join in. I thought that was going to be the right way. But obviously. Wait, for what? MLM.

What are you talking about? Health insurance. Health insurance. Well, he was working in there. Yeah. What are you talking about? So it's a company, I don't know if I can say names. You don't have to?

Okay. So basically it was a company that had the premise of, we will sell you life insurance, you'll get a premium, but you'll be helping make sure that they're taking care of. Who? Ph.P. People helping people. It's a conglomerant owned by Patrick Bed David. It's basically a big-ass MLN. I went in there with the intention of, oh, I'm going to make really good money off of this.

Didn't work out. I seen the writing on the wall. How are you going to? to make money. By selling insurance. That's how it was going to be. I wish I just had no morals. This show just demonstrates every way that I could just go make so much more money than

this show produces. I could just fucking scam the fuck out of people. You could. Gosh, so easy. There's so many scams out there. There's so many people like you who fall into them. Yeah. My gosh.

It would just be easy. seen the world. Fucking morals. Man, gosh. So what is this? Why am I seeing this under credit? $487? What is that? That's an Apple credit card. Why don't I have the statement in front of me? Huh? Huh? Huh? What? How what? Why don't I have the statement in front of me? That's G.S. Bank. That's Apple. Yeah. Why don't I have the statement in front of me? I sent the PDF.

Of the Apple statement. I thought I did. No. Okay. Well, yeah, you want it? Yes. It's been maxed out for a while. Great. What's the minimum monthly? Oh, good. It's gone up. It's gone up and we are now over the credit limit. Did you know that? Another card. Yes, that's funny. That's great. That's hilarious. Our lives are in shambles and we're never going to get anywhere or accomplish anything and everything's a complete joke.

Ha ha ha ha ha. $503.18. I was not laughing because it was funny. Sometimes you get nervous. Yes, there is purchases. Dude, El Codora. Is that to someone? Was that a restaurant? Let me see.

Elcadora. Okay, no, yeah, is it Spotify. That's Spotify, yes. That was a Spotify subscription that we paid. We paid PayPal paid. Okay, then you PayPal paid something else. Then an Apple bill. Then Kroger.

So that the second, the second PayPal was for Christmas. And then under. dog sports what's that so that was a bet i made a bet on you made a bet on a fucking credit card card so listen lady your husband that you are considering having children with maxes out credit cards go over his credit card limit in order to bet on sports this is a joke what's your minimum monthly payment dude tell me it's probably 60 70 bucks right now to get to get interest $25.

This is disgusting. I'm disgusted. This is nasty. How the fuck you even okay with this? What is the student loans? It is. You went to college for a second, maybe. I was almost...

You do everything, so... I have, I almost have my associate's degree. I'm about six credits away from having my associates. But obviously being married, married and working full-time, couldn't do that. Okay, $2,250. There's more. There's more student loans. I think it's a stack in there.

It's about $5,000. $5,000 is some change. And your minimum monthly payments? I don't know off the top of my head. Do you pay them? No, I haven't made payments on those. Are they due? I don't believe so, no.

Why? I haven't. Did you request the ferment? No, I haven't. Did you try to get onto a different payment plan? No, they're through a advantage. When did you stop? When did you stop going to college?

Uh, Right before we got married. So, oh, okay, so the minimum wage payments will kick in. You better pay for it. Yeah. It's probably going to be about March or April, probably this year. It's probably going to be about 50 bucks a month. Okay.

What an absolute. Hold on. 2,250, 2,340. And an additional, over 1,000. No, it's more like 4,000 guy. And the minimum fee payment is going to be like 60 bucks. I don't even know your own numbers. I said 5,000.

Yeah. Like, oh, you said five, sorry. I said 5,000, yes. Okay, it's like 5,000. So we're probably talking about, yeah, like, 60, 70 bucks. I'm going to be more conservative than say 70. Okay. Oh, my gosh.

What are we looking at? There's no future here. Why do I have a starting and ending balance of negative in this checking account? What the fuck? Which one is that? Chase. I have two bank accounts. Business.

Yeah, Chase business. Oh, okay. I had probably transferred the money to the checking. Yeah, but why more than this in there? You went negative. You started negative. $5,000 came in and then you went out. Why?

Why would you allow out? It went. It went between Christmas and... Yes, but why not keep at least 30 more back? You were negative $15,000. Why be negative? I had it on the plasma card. That's where I had.

That's where I had the extra money at. Huh? No, why do you pull more money out? That's what I'm asking. I probably transferred it to the, to the other. Why? Why? I don't know.

I mean, I just had to pay something, dude. Oh my goodness, dude, you're insane. And it's just Apple Bill. Little Caesar! Pizza. Oh, is that what Little Caesars is? Pizza. Pizza.

Pizza. Apple, shut the fuck the fuck. You're not funny. AT&M and draws $600. Who knows what that went in? Marshals. Marshals. To size.

from all our little Caesars for sake. Those are for gifts. Also that we could be negative. Negative. Leave this man now. He's a financial joke. He's going to ruin your entire future. We're going to turn this around.

No, you're not. No, you're not. I'm sorry. I wanted to give you benefit to that. No, you're not. Your behaviors suggest nothing. Your comments suggest nothing. You're actually, the way you've just been

revolving and you're like, I'm an entrepreneur. No, you fall for every scam known to mankind. You're done. Oh, good. Here's a little nice little overdraft fee in the other checking account. Well done. In the other checking account. So, yeah, let's do that in multiple checking accounts, guys.

Yeah, because you were negative. You started negative $100,88. And then, and then it went worse because you try to do something in an overdraft. What if a joke and Apple bill and Apple bill and Apple cash set out? Texas Roadhouse Great More Apple Cash shout out We apples to cash every

thing in our life And Murphy Express We went in and we got some Bullse Amazon and Amazon A racing gains And PayPal and Amazon And Zelen out

And Zellin out And Zellin out Overdraft this year So far You've done approximately Five of them In this, just this checking account The other one you also

Were Overdrafting So this this this is this is this is this is no that's it's there's nothing there's nothing i'm sorry i'm sorry financially yes we could change this around because we could probably make the numbers work it doesn't matter because his behavior will never change he is a joke of a wannabe entrepreneur and falls into this bullshit constantly is able to take no responsibility or give No reason why he's willing to move forward. It's a fucking joke.

I can make a budget every day all day, but it doesn't matter because his behavior hasn't changed. I can make the numbers work, but it doesn't matter. And you're okay with this? You accept this? You're okay with this. I mean, I love him. And we're going to make it work. He's not going to change anything.

You're with the fucking X. the future X that you were like, wow, he never changed anything, but I kept giving him a chance. I'm going to make a change. I hope so. Nothing would suggest as much. Numbers on paper. It's just numbers on paper. Exactly.

And I'm saying the numbers on paper here don't matter. It's your behavior that you will never change because you haven't. And you don't have a reason to change. I asked you. You couldn't give me one. $334 minimum fee payment. What's the run again? $1,320.

1,329.99, yes. Utilities. 150 electricity. The rest are included in the 13.20. Internet? 60. Any car payments? I don't think so. No. Gas, room, room, drive, drive.

200. Car insurance. 168. You know your numbers. Again, this is behavior. Phone bill. 140. Switch to healing when you're done with your brother. Save that fucking money.

15 bucks a month. same service as T-Mobile. TP fund, 150 for the house, anything you need to survive. Necessary food. We're going to do 500. Follow the meal plan. Follow the meal plan. We're pretty good about cooking at the house.

No, you're not. You go out to eat every second of your life. Shut the fuck up, dude. All right. But I prefer his laundry every day. What's the gym? The monthly gym. You said 40?

Yeah. Just say 45. Medical health care. Provided through. Yeah, but is there any, co-pays in an ongoing basis? No. Company paid.

Pet insurance? Anything? Do we have pets? We have one dog. Okay, $40. Pet insurance. How much for pet food? 50.

50 monthly. Small dog? He's 50. He's a Staffordshire, Terry. Anything else that needs to be in this budget that I have not taken account for? No, nothing that I can think of. Can you? Just my loan, but, like, it's 300.

Yeah. She has a $300 long. To what? Personal. To who? When I used to work, they were taking the money out of my paycheck because I had to. You're getting garnished. But now that I don't work and I don't have that.

Never mind. The numbers don't even work. $3,49.69. Is what you need to bring in. So sorry. He's going to go work a thousand other jobs, which he actually might do. But he needs to cut his spending well at the same time because he need to bring in a minimum extra $1,500 a month.

to net in order to make any progress on this, but he's never going to shoot his behavior. So this is dumb. But I wanted to do the budget to be good guy, but it doesn't matter anyway. Spending a budget over spent 0.10 debt, this is stupid. And there's no collections or IRS debt, one out of 10. It's just about the family debt. That's going to bring it down to a one of emergency fund.

There's nothing in savings. Zero out of 10. Tourment, I don't see anything. Zero out of 10. Real estate, 0.10. Amble financial score, 0.5 out of 10. Guys, come join us in the post show. That's where we reveal extra things and extra drama stuff that we didn't or can't talk about in the main show.

So make sure to join our YouTube membership. Thousands of hours of extra content link below. And you can also take advantage of all of our education bundled together for 15% off. I'll see y'all in the post show. Are you blaming me? I'm not blaming you. I'm just saying it used to be really good at saving. And then I just kind of like...

And what you met her? That's what you're saying? No, my mom paid for a majority of the wedding. The mom who had to borrow from your brother. That's what made her need to borrow. Barring from your 18-year-old uncle? She wanted the wedding. I didn't even want a wedding.

What did she spend on your wedding? This is about a thousand total. I just want his thoughts on all these crazy family loan stuff. Hey, do you want to talk to Caleb?