Financial Audit - Most Childish Couple I've Ever Had On Financial Audit

Episode Date: January 13, 2025

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I wrote a little song to remind you, Choice Hotels, get you more of the experiences. You value. The Cambria Hotels got it all. A rooftop bar, have a ball. Cocktails up here feel just right. It's Cambria amazing. All right.

Bring a date, your team, or even your mom. Book direct at Choiceotails.com. See you on the roof. To watch episodes of Financial Audit a week earlier, check us out on YouTube. So the passes were $1,000. For the both of us. For fucking what? For the whole year.

So now we can go whenever we want. What the actual... Look at this. You just spent the thousand, fucking billion, trillion dollars on this card. Rich people don't do this. Because it was my birthday a couple weeks. It was my birthday a couple weeks. Your birthday!

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. My name is Stephanie. I'm 27 years old. My name is Michelle. I'm 28 years old and we live in Mesa, Arizona. And this is financial audit.

Wow, thanks for coming over to awesome guys. Okay. So this is exciting. We haven't had a rainbow-filled episode. I think everyone's a little excited about this. It's going to be interesting. Not because of that specifically, but because we have a lot of couples on.

And it's going to be interesting to see the dynamic here. Yeah. I'm very curious. Very excited. Yeah. So who decided they wanted to come on her? It was this co-effort. Definitely her.

It was me. Really? She didn't know about it until after. I didn't tell her I applied for the show until after I spoke with Lindsay the first time. Really? Yeah. And do you want to be here? Yeah.

I thought it was cool. I showed it to her before. And I told her. I told her she didn't have to, but she's excited. Yeah. Okay, so let's start with you, Stephanie. What do you do for a living? I'm a registered nurse at one of the hospitals.

Very cool. What are you making? I make $36 an hour. Oh, okay. Thank you. But I get an 18% differential for nights. So what about is coming in on a monthly basis? What is your account on a monthly basis?

For my paycheck, I believe it's about, 4,400. Okay, cool. Works for me and you. What do you do? I work at Arizona State University in the grants department doing like reporting. Okay, cool. What do you make?

495. A year? Yes. Annually. Okay. What hits your account on a monthly basis typically? Like 1,300. Oh, sorry.

No. 2,600. Yeah. Okay. So the month we have was obviously clear. like a three paycheck month is what we saw, which happens a couple times a year because I was a little excited for you guys.

I was like, wow! Obviously $7,000 is what the math comes out to, and that's more what you guys are making. I had closer to payroll coming in of about $9,800. So this is a three paycheck month. Yeah. Okay.

So that's a little... $7,000 is not bad. $7,000 is not bad. My expectations were here. and you're here. Luckily, this is still good, okay? So how are we living? It makes us 7,000 hours a month net.

How are we feeling? What are we doing? Are you guys married? No, we're supposed to be getting married in March. Okay, good, because I don't have typically couples who aren't married, but you're going to get married soon. Yes. Are you guys combined right now? Everything's been combined for eight years.

Eight fucking years? Almost eight years. How? How? How? Yes, sorry. We've been together for eight years. 20 and 19 you guys combined?

Yeah. Wait, how long have you were you dating before you combined? Maybe like two years. Everything's together. It's so fucking risky though. What about debts? Are you on each other's debts? Are you authorized users on each other's debts?

You guys have debts together? So we're not authorized users on each other's cards, but we both use each other's. You use each other's cards? Yeah. We are authorized users on like one card, but. What do you guys do? Why would you combine us? First, why did it take so long to get married?

And two, why are we combining things before marriage? Just risk. I don't encourage for anyone's breakup. But what if, guys, because it happens. Yeah, I think, well, when we combined, it was my idea originally because when we were splitting bills at the time, we were both servers. And with making money with tips. And it was just kind of confusing to me. So I just-

19 and 20 combining without being married. Yeah. But I think it actually worked out really great for us because ever since then your finances are an absolute mess. No, that's true. What are you talking about? We don't argue as much about who's paying for what, I guess, because we used to before we buy everything. Oh, like you pay this bill. I pay that.

I have to like, oh, I spent $30 here. You buy this. I'll buy that. Some people find a sketchy if an engagement's going on for more than a couple years. What the f***ate years? We got engaged in. We did get engaged in 23, May of 2020. Oh, for sure.

You've just been together for a very long time without engagement or marriage. Why? Why are we taking so long? I think it's partially because we were so young when we started dating. Because I was 19 and she was 20 that we weren't like, we just weren't really thinking about marriage at that time, I guess. I don't know. We were both in college and just. Sure, then, but there's also been like five, six years since.

Yeah. I think that we just weren't. We're just not in a row. And why is this March going to be the time then? I think it's because I graduated nursing school. That was like a big thing for me. When did you graduate? I graduated in last December.

When did you start? March, this past March. When did you start school? Oh, I started school. Well, I've been going to school since I graduated high school. Why had it take a decade? Because I was working full time. So I was taking like part-time classes.

That's not necessarily. bad. I mean, there's certainly an offset. There's a mathematical break-even point when it comes to student loans and, you know, whether or not, okay, we'll take some student loans out. It's at a low percentage and, you know, hopefully federally is subsidized and then we complete school even quicker. If we have to do 10 years in order to work full-time to cash flow, we complete school instead of four, and then all of a sudden our income is up and we're able to invest it and we make the difference and then it completely offsets that and more.

but yeah we I actually I paid for a handful of semesters out of pocket because I was going you weren't paying cash well the whole time even though you worked full time the whole time why I then what's the point of even extended it out 10 years I was I did have to take loans out for a couple of years and especially the last two years when I was actually in the nursing program because I wasn't working at all oh they're telling me you sent over surprise student loans last night that Jake didn't even see until like right now. I forgot about the student loans because I just. How did you forget about the student loans?

Because I just started paying them like this month. What if you accumulated in student loans over 10 years? 15,000. That's not horrendous. No. You really just delayed that whole potential income earning process, which means you also delayed the best decade of your life for compound growth. The money that could have been invested setting you guys up, you have no idea.

I mean you got only three years to go and then all of a sudden that decade's done. I will say the nursing program had like a three year wait list to get into. And go to a different one. There's nursing programs everywhere. Yeah, it would just, it would just would have been more expensive. The one I went to was probably the cheapest and the better one. It was a community college? It was at a community college, yes.

You can't go to another community college with a little commute. They have like this weird thing where all the community colleges are owned by the same company. Like Maricopa. They're all Maricopa schools. So when you apply to the. The nursing program, you go to, like, any of those schools. Yeah, okay. So the waiting program was for all of them?

Yes. For all of America County. I did find of, I actually would have not been graduating for another, probably next year I would have been graduating if I had waited the full amount. But I found a fast track program, so I did get in sooner. Because I was working in insurance, and then I quit that job to start working as a CNA. because if you work as a CNA at a certain company, they'll let you in sooner. So I did do the fast track to do this program as soon as I could. Okay, so it's $15,000.

What's the interest rate? Just average across the board? Average, I think, is four. See, that's not bad. What's the minimum fee payment? It's $163. How long are you waiting to get into a nursing school versus what were you doing in between?

Between like, oh, I have enough to get an associate, Gen ed's, blah, blah, blah, before going to nursing school. How long are you just waiting? because 10 years is still an insane amount of time. You've just, you've lost so much time. Yeah, I, so I originally was going to a university. I went to a university in Northern Arizona for a year, or for a semester. I don't have any student loans from that.

What a fucking second. What are the student loans? Your student loans are fucking past due. Yeah, I did have a few payment. And then, oh, guess what? Future Wifi over there is giving you the face of what the fuck. Well, because her. dad had paid for some of the NAU, so I wasn't sure if that was paid by him or I didn't even

know what was left from NAU. Why do you pass due? I... It's 162, so that's your monthly? Yeah, 163, you said. Okay. Yeah. How?

Why? You make money. You guys bring $7,000 a month than that. What is happening? So my student loans had been deferred for so long because I was in school continuously. Yeah, and then they give you a thousand warnings that it's about to start. start via phone calls and emails and mail. Yeah, my email was getting very full.

So I didn't. That's why you look at it and get rid of shit and act like an adult. She never does. What else is she missing? What else is she missing? What else is she missing that if the email is full? Come on. You can't just not do that.

So I, yeah. So I did eventually see it because I logged into the account and saw that it was past due, which is why I realize that I do need to start paying back on them. Yes, because they start garnishing wages if you don't. Yeah. They take it before you can even see your money. Because it's the federal government. You do anything.

Right. So that's why I know I need to start paying on them now. Why didn't you pay it on them now then? When did you find out the past two? Like last month when I was going through on my account. Why am I seeing a past due statement then? Or why is Jake? Well, I didn't have the money to pay.

You make $7,000 a month net across the board. What are you talking about? And we're all combined. It's not even I didn't have enough money. Yeah, I didn't have money in my debit account to pay. What your debit account? You mean checking account? Yeah, yeah.

Listen, $7,000 net. This is literally 2.3% of your net income. 2.3% and you couldn't make the fucking payment. Not at the time. How? Why? Where'd the money go? Where would the money go?

Where would the money go? Where would the money go? How about that? Shopping. It's interesting. I could kind of have a little bit of insight. You make $7,000 a month. How much was just.

spent this last month, guys? How much is spent? I, we make 7,000. Oh, it was a, 7,000. I'm going to say, probably, I'll even be more generous because it was a triple paycheck month. You made 9,000 that last month, normally like 7,000, but you made 9,000. So what did you spend, guys? What did you spend? Um, I would say probably 10,000, yeah. That's interesting. $21,000, guys, I mean, you open new debts. Bounce has got into debts. Yeah, it's got into debts. You spent. Yeah. I'm insane.

What are you guys trying to do? But you're trying to get married right now? Right now? But nothing. You've seen further away from it than ever. You spent beyond double what you make. You spent triple what you make. I don't even.

Is this even a fault of one here? Or is this a fault of the together? What are we? How'd you get? Because how? Listen, if I had a month where it was just a crazy fucking month or something, let's just say, I would at least know that I spent crazy about what I made because how could I not? That's insane. How can you not? Like, that's fucking wild. How did no one have any? You guys estimated it by under half, which you spent. Under half. I'd love to hear some thoughts here. We just didn't look at it. So we didn't. We don't really look at it. We don't really look. I mean, we look at our bank accounts, but we don't.

That helps. That helps not arguing. You said, guys, we're in a great place because we're not arguing anymore. Well, no, f***ing shit. You won't argue if you don't look at it because there's not going to argue about it because you don't look at it. Yeah, I do. I will say that I do think November was a very high spending month. And I knew that it was.

I just didn't realize it was that much. Triple. That's not a very high spending month. That's insane. It's like apocalyptic financial. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them.

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Like, so in November A couple days before We found out that Disney was dropping their annual passes Okay And when I was in nursing school When I was in nursing school, we said You're talking about Disney right now

We're having a conversation about and Mickey and his little mouse? What are we doing? Well, it was my... I told myself that it'd be my treat for, like, finishing nursing school. You don't get treats if you're not paying your fucking bills. You haven't paid for nursing school yet.

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Oh, for fuck. Okay, what? So the passes were $2,000. For the both of us. For fucking what? For the whole year. So now we can go whenever we want. To any park at any time. Just to Disney, the Disneyland parks.

Which one's that? In California. Oh, did he one? No, I think it's the better one. Isn't it much smaller? It actually has the same amount of rides almost as the one in Florida. But the one in Florida has a wall. How are you guys getting there from Mesa?

Getting what? Getting past it. It's in L.A., so it costs money to get there. Yeah, we drive. We drive there. Okay, well, so you're getting places to live? Does it cover the place to live when you're there? there? Nope. No, we just get a hotel. So you're spending money to spend more money? Yes.

Because do you get the free food while you're in there and free drinks? No, we pay for that too, separate. What the fuck I'm talking about? 10% off merch. Oh man, merch. That's what we need to survive. And food. Guys, are you fucking kidding me. The food's already priced up by 95% so yay, we save 10%. Great, guys, we're doing so well. And merch you can wear Mickey on you. Sure, I'm thrilled for you. This is so good. You can watch a new Star Wars movie or something. I just, I feel like the price of the passes is worth. You're not paying on your student loans. That is a different conversation.

I wanted her to have like, you know, because she finished nursing school. You encourage this. You're all, you, you're both subjects in this insanity. Yeah, we typically agree on most part of most big purchase. In our life, we agree on just destroying everything. We agree on not start. starting off the marriage in any way successfully. One of the leading causes of divorce, we all know, is financial.

We just like to have fun, and I feel like we have a lot of fun together whenever we go to Disney. Yeah, but who's pulling up the U-Haul first in this scenario, guys? For Disney-related things, it's always her. Listen, here's just statistical reality, right? I mean, if I'm not mistaken, I've just seen it online, I don't know. So I might be over-promising on the reality part. But if I remember, right? It's like, I think it's like gay dudes, at least the amount of divorce in the country.

Then it's just like straight couple, you know, decent divorcing. And female gay. High divorce, right. Okay. Why would we go into the marriage that we want to be together forever with finances if it's one of the leading causes for divorce in this country? Why would we want to go into something that is statistically less secure? well we've been doing it for like eight years or seven years. Not married. Well, not married, but like we'd never, like we didn't see it as an issue.

But also, you've done it through school and you've done it through the bullshit. You've done it through the bullshunds. You've kicked a can down the road. You're thinking it's cute to get Disney over paying our student loans. You have yet to see what happens when you guys try to get a house together, buy a house. You have yet to see what happens when all this comes to fruition and the debt is owed now. wages start to get garnished for not paying the student loans. And all of a sudden, we need you $2,000.

Maybe you guys have a kid or something, and then you're trying to take care of that. Maybe you guys are trying to retire together in your 60s, and we don't have a single cent for it. And I know you guys have a little bit of retirement, but again, all of a sudden, what happens? What happens to people like you that I see that accumulate this much debt?

They take from retirement as a shortcut to pay it off. So I have no confidence that I would stay there in this current path that you're headed. You just blew $2,000. $2,000 when you're literally not able to pay a $163 payment. They're telling me 75% divorce rate, by the way, in the last 10 years. I thought it was much lower than that. Me too. Honestly, I thought it was less than straight couples.

Listen, well, no, it's not. And I would love, I would love for anyone who loves each other to stay together forever. I don't give a fuck. Do it. But let's give you the best chance for success. And going into the marriage with one of the leading causes, makes no sense. You guys can break up easy.

Getting through a divorce is hard, especially if there is all of a sudden a kid or two involved. Are we planning on children? We've talked about it recently. Okay, see the conversation's starting. We're just up and down. Yeah, back and forth. Back and forth.

That's usually what makes a baby. That's just crazy. That is an absolute sign of immaturity, just immaturity, that we are choosing to be Disney adults over an adult, making it a single adult decision of just paying a bill. You're choosing to be a Disney adult. I wouldn't say I'm a Disney adult. You literally just spent 2,000 hours when...

I go along with what she does. What, you can't speak up? Do you not, are you not able to have opinions of your own? I was okay with it, though. I wanted to go. So you're an enabler and you did want to, so you're a Disney adult. If you don't speak up for it, then you get no sympathy on that end. All right, I'm going to count. Count down from three, three, two, one, go.

On go. I want you both at the same time to give me what you think your household score is. I'm going to treat this more as a marriage because the marriage, you guys have been together for a long time, and you're probably going to get married. I would bet on it. So, cool. I want household financial score, zero to ten, zero being the worst, ten being the best. I want to hear.

Three, two, one. Two. Okay, so you think you're a little better? Why do you think you're a little better? Not that two is good or anything, but why do you think you're a little better than she thinks? things? Maybe just for like because I, we do have the retirement and a little bit of it. And we don't really have any car debts or housing debts. No, just every other.

Housing debt is not even a bad debt though. I would encourage, I would almost want you to have a housing debt unless it's a horrible loan or a negative equity position in a home. I mean, that would raise your score in my book unless, again, you did it in just an absolutely stupid way because usually means you're leveraging a relatively low rate on an appreciating asset. I said you don't even, these aren't even assets. This is credit card's not an asset. There's no asset in this credit card. But it's just sitting here being f***ed.

Okay. Well, guys, if you watch your hammer finance score. It's free. Figure out where you stand. Figure out where your finances stand. It is in the description below. Also, if you want to come on the show, come on the show. I'll give you some fun little beat up.

I'll roast you a little and it's a good time. Then you get to come hang out with us down here in Austin. Are you guys having a good time so far? Yes. Thrilling? Are we thrilled? Very thrilled. Okay.

So you can go to Calebhammer.com slash apply and come and be thrilled with us. I'd love to have you here in Austin, Texas. All right. So Southwest's right for reward. So we talked about the student loans. Oh, how close are you to be behind two months of the student loans? I think we just have to pay this month for both payments. When does that do?

Yep. I don't know what day it is due. Then how are you going to fucking do that? I was just going to do it when we got our next paycheck. Yeah, but what if it was due before then? But then I would be caught up because then my next payment wouldn't be until January and then I would be caught up for January. What month are you behind? Just for November. So December you might miss though.

But if I pay December and November's before December ends, then it would be fine because in January I'll just be. pay for January. Maybe if you remember to do it. You didn't have fucking pay this one. Yeah. It was November's bill, but you've been paid in December so far. I didn't. For November, I just didn't realize that the student loans had started. You've been paid in

December so far. Yeah. It's not November anymore. You've penned paid in December. Yes. What is your thoughts on this? I, well, I didn't, she didn't even tell me that, I mean, I guess I did know at one point. Like recently, I did know that

she was going to get or she's going to get student loan debt, but I didn't realize how much it was going to be and when. I never told her that the payments were starting because I kept forgetting about it. Again, that leads me to no confidence that you'll actually make the payment. What's your thoughts on that, though? The late payment and her promising she's going to double pay? We're really never late on payments, so that's just like kind of crazy to me because

I mean, she usually tells me these things, so it's shocking to me. I just forgot about the student loan. Because it's been deferred for so long, I just forgot that I was going to have to start paying it now because I've been working. Okay, Southwest Rapid Rewards. We just put $1,946 on the air. Great. The $40 minimum wage. Why don't we put so much on that?

That's an insane amount of money. Again, reminder, we're not paying $163 payment on something else. It's so poor. Made tickets, plane tickets, two plane tickets. That makes sense for what? To come here. Oh, at least some of it gets reimbursed. Starbucks, Lightning Lane, ship store, seasonal marketplace.

Seasonal marketplace. Those are all at Disney. Were you just at Disney? We went to Disney once in November and then we went a couple weeks ago. Are you fucking kidding me? Are you guys like literal? creatures? I'm going twice in January.

What the f***ing? What the f***ing you guys? What the fuck you're talking about? Do you care? Do you care? What do you care about other than going to Disney? Because obviously you don't. What do you mean?

Look at this. You just spent a thousand billion, trillion dollars on this card. And it's all Disney, Disney, Disney, Disney, Disney. And then Wendy's. The December trip was for my birthday because it was my birthday a couple of weeks. Your birthday!

It's 27. I guess that's the rent-a-car birthday, isn't it? That's your last special birthday until 59 and a half. So it's your last birthday until 50. That's exciting. We make every birthday special. Why? Your birthday.

Everyone gets them. There's probably millions of people. There are millions of people with birthdays today. Who gives a fuck? We're just on a rock that floats. We like to celebrate each other's birthdays. And I like to do mine at Disney. Which is cute.

Why don't you just do? that when you're out of day and have fully for an emergency fund and you're on track for retirement and you guys are getting to life goals. What is your philosophy on this? It's an entitlement thing? Do you think because it's your birthday and you deserve to do all this stuff? Even though you are not in a position to afford it, two Disney's in these last couple months, two Disney's next month?

What the actual? Rich people don't do that. Rich people don't do this. Probably why they're rich. But rich people don't do that. that and you guys are doing it. You guys are literally poor. Great income.

But you're poor because you allow yourself to go into horrible debt and not pay it. The November, we only went for one day in November. You still traveled there, bought a guillian dollars of food. We took our nephew. We took our nephew for his birthday. His birthday. And we did split the ticket. And then we went for my birthday.

Your birthday. And then we're going for our nephew's birthday in January. His birthday, I don't give a shit about birthdays. What is his obsession with birthdays? Get a little piece of cake and you're fine. Get a little piece of cake. We could even put Mickey on it. Who the fuck cares?

For their birthday? How long of a drive is this? Five and a half? Yeah, about five hours. 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,

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tickets to get into the park. That doesn't matter. That doesn't matter. First of all, you couldn't afford the passes. But since the passes are already done, okay, but that still doesn't matter. You spent $1,000 on just being at Disney on here, $1,000, just on the Disney crap. I mean, for a day, $1,000 for a day. Guys, you make seven, a month, now. and you blew through a seventh of it in a day. Unacceptable. Missing our student loan payments, i.e. the money you borrowed, federally backed, subsidized.

From us, the taxpayers, you know, these ones right here, us, you're not paying it back, but you're going to Disney. Well, we're going to pay it back. You're not. Our next paycheck. Maybe we'll see that. You can have a bonus trip to Disney because there's a hidden real. relatives birthday you didn't know about.

Well, next month, both trips were going on, we're going with other people. So we've already committed to splitting the hotel with them. Yeah, call them and say, oh, wait, I forgot that I'm literally a poor. I don't think we can do that. I think you can. I think it's called having a mature conversation of being an adult and having literally any kind of sacrifice. When I'm telling people to sacrifice things on the show, I'm talking about sacrificing and watching or listening to some ads sometimes. I think it's okay to sacrifice not going to get.

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I'm talking about something so small and insignificant. But my nephew's going to turn three and he's at his really few age. So he won't even remember it. He won't even remember it. He won't even. No, he won't. You don't start remembering things until like what? Around that three or four, but I doubt he'll remember.

Core memories, what is it? Like four, right? We took our niece for her birthday a couple years ago before she was three. She remembers the pictures and she's forming memories in her brain. Just like when you have deja vu and you think you had another thought of that before. But your brain is just convincing you that. You had a thought of it. You're thinking of the thought you're thinking of.

No, they don't. They see pictures and they're forming memories based on it. So what we all do. If you think you remember something from when you're two, you don't. I think she remembers. No. They have really good memories. She's got a really good memories.

They're very smart. Oh, yeah. Well, I'm proud of her. Maybe she needs to get hit in the head or something. But listen, take him a year later and they'll even have better memories and you'll have better money. There's a lot of years to go to Disney still. I don't think Disney's going away. Also promised our other nephew we take him for his birthday.

How old's your nephew? He's turning. Is he turning nine? Nine. Oh, my gosh. None of these are, like, birthdays was worth celebrating. Maybe if it was like a fucking siniera. Maybe if it was like you're 18.

Maybe if it's like 21, AARP, retirement. You don't get the, I can rent a car with cheaper insurance age Disney present. That's not really worth celebrating. But we already told him and we feel bad because we took his brother so we feel like we need to take him. Take him to a playground, put up a Disney statue and he'll think he's there. He's three. No, the other one that's turning nine. Yeah.

His birthday's in May and we're supposed to take him in May. Oh. So two in January than one in May? Yeah, but the second January trip is one of my friends from nursing school. This is literally the most insane shit I've ever heard of my... I don't know if I've ever heard anything more insane than this show. The three-year-old's borderline. He's three.

He won't know where he is. He's been talking about it. He's been talking about it. He asks us if we're going to Disneyland and we tell him yet. And you shouldn't have said that. that. It was irresponsible. It was irresponsible. Well, his parents are going with us.

Oh. So we're splitting it with them. This is great. They can go. You don't need to go. We want to watch. I don't give a, you'll watch based on Instagram. And we're sharing a hotel room. Shut the fuck up. I do not care. I don't care, guys.

How are you still battling this? You seriously aren't willing to give up going to Disney only one time of year instead of thousand just to get into some place of financial wellness like I can't accept that how are you guys like I can't deal with that that's not a conversation that we can even have guys we already spent the money for the no you haven't oh well yeah the annual passes yes but again that's a ticket to spend more money and then we already booked the hotels for both trips in January a hotel credit card to help oh to help Because it gives us points.

It gives us points. Fuck your points. Fuck your points. You're spending quad-triple what you make. Triple what you make. On your three paycheck months. So probably quadruple. Your normal month.

Well, it gives us points to go towards free rooms. For later trips. You can't pay off cards if you're spending three times. How do I proceed in this? I can't. Because they're like in a cult? Many mouse. isn't going to have a three-way guys. You do not have to go. You're unmovable on this.

You won't cancel these trips? Well, we've made commitments to our other people. And then you have to have the hard conversation, the mature conversation. The conversation that no one wants to have because it's embarrassing and it hurts, but it's the conversation you have to have if you actually want to make some progress in this. If you guys actually want to start your marriage on a successful footing, these are the conversations you have to have. It goes beyond a choice at that point. and you guys can choose to do this actually go for it but this is your future

this is what your entire marriage looks like you guys are behind on retirement you have retirement but you're behind in retirement most of it is because of how long you were in school you just didn't have a chance to get up your income should be you should have one times your income saved in three years two years for you

one times your income in your retirement accounts suddenly one times your household income across the board you guys are not on track for that. And that's just setting up some basic tracking to get to where you want to be by retirement, because you need to have time in the marketplace to grow for it to compound as the market does its thing. But you're saying no, Disney. Disney now. Disney next month. Disney the month after that. And then probably a couple of Disney's the month after that. That's what you guys are

choosing over retirement. And I don't know. It's the hard, conversations and you need to have them. We're not acting like we're 16 anymore. We can't. You can't act your nephew's age. You guys are 28 and 27. You need to have the adult conversations, maybe with their parents,

and then maybe their parents can explain it to them. Okay? So they're your sister or brother? My sister. How's your relationship? Very good. Then have the conversation. Yeah, we're best friends.

Then have the conversation. If she's your best friend and sister, she will understand because she will want nothing more than to support in love her sister. That is true, but. But. She also, we're splitting a hotel with her. But what? But we could just go this time and then we won't go the rest of the year. You're talking about going three times.

People are lucky to go to Disney once a fucking half decade or so even. Disney's expensive. You guys are not entitled to this. This is disgusting, immature behavior that you think this is okay and acceptable. I don't even know what to do, guys. I have this Stephanie Sophy card. What is this Sofi?

Personal loan, what's it for? 21,463 at 8%. What is this possibly for? You're going to fucking Disney when we have an $8,000, $22,000 loan, completely offsetting all in every retirement account. by far that you have. And we're going to

Disney. Great. What is this? So we had a lot of credit card debt that we wanted to try to consolidate.

They all had they all had like 20, over 20 something percent interest rates. So we figured the loan we could pay them off. So you guys haven't made progress? You're not a progress making people.

You haven't done anything. You haven't done anything of note. There's nothing to celebrate here and celebrate with Disney. You're not paying on your student loans. You're spending triple what you make and you didn't pay off any credit cards. You just consolidated it. We paid off some. I guess I just have to trust that. Well, isn't it better to have the lower APR than... Mathematically, yes, but what happens in people's positions like yours who have not fixed their behavior first? If you ever consolidated, loans in the past?

No. No. Okay. So what often happens is now your credit cards just go right back up. Not today, not tomorrow. But again happen. That's what often happens. Because I know you haven't changed your behavior. Again, triple the spending. It is literally documented. Documented. You know what's harder than sticking to a budget? Trying to predict the future of business.

One day inflation sky high, the next is crawling back down. interest rates up and down sideways. It's like a soap opera with no ending. Honestly, where's the business crystal ball when you need it? Until someone invents that, NetSuite by Oracle is the next best thing. Over 41,000 businesses trust it as the number one cloud ERP system to future-proof their operations.

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We've been in debt like twice, but... So... So it basically has happened, guys. Did you take a consolidation? No. But you got bailed out and then you built your debt that. up and go. Good. What? So we had probably like $15,000 of credit card debt, like a few years into our relationship. And it just so happened that at the time, she lost her job. And just so happened. People lose their job every day.

This is why you have an emergency fund. Right. Well, they gave her really good severance. She actually got severance for three months. Okay. Plus you file for unemployment. She got another job within four weeks. So she started our other job. Wonderful delicious love it sounds like everything was perfect we use this severance to pay off all of our debt and we actually brought it down to zero But then the debt and then we brought it back up Yes Back up to a little over 15,000 again Oh But then we ended up using the like COVID stimulus checks and like a few other we got like a couple

Larger amounts for a big chunk to come in that's your only way out of this this is your repeating cycle ever and this is your version of the big chunk is now consolidating this debt so just endlessly throughout your life debt big chunk comes in debt gone then we build debt right back up big chunk comes in debt gone then we build it right back up then big chunk but this is a big chunk this is that you owe again you're not going to get another stimmy check i don't think so and severance that's to allow you to survive you got a job in four weeks last time that's amazing but if you don't this time after you know the severance might need to be there to survive guys But yet we're going 2,000 plus 1,000 in a single trip to Disney.

Listen to the hotel and with how you did Disney this last time. What's not to suggest that you're going to spend a thousand hours at Disney each time you fucking go? You're going two times next month and then one in March. You can't do this. You can't do this. You're repeating the cycle forever and you guys don't care. You guys don't care. The last time we were, I guess, before this time, we got into a,

car accident and so the car was totaled and we got money back for the car but we paid off that loan and we used what was left to pay off more debt so the cycle is now happening for the fourth time oh my is there another one also got paid for being injured in the accident oh yes yeah so we got about nine grand separately so we combined yeah so come but even still fourth time guys it's obviously not working so maybe we don't follow what you think is right. As in, obviously, this Disney bullshit is not working. So maybe we follow what is known to be right.

Relatively, take our debt class. Take our debt class so you can understand how bad your debt is. Debt payoff strategies. What makes sense for your situation? And we're going to help you by the end of this, including creating a budget. You'll go through the budgeting class because you guys have to be able to look at accounts together. You have to be able to go through all these.

Together, take the quizzes. It's hours of education, but it's good. It can change your life. literally over 10,000 people have taken the stuff. You go through it because you get it for free. Go through it. You guys get it for 15% off as a bundle, but you get it for free, so go through it, guys.

And I'm going to set you up with a counselor to talk about this too. It's just one of the resources, so we'll set you up with domain money. Not domain money. Well, why not them too? I'll get you guys connected with the finance advisor so you guys can meet them. But then I'll set you down with the Sondermine three free sessions with them. So it's the resources that we get to provide that we partner with. Okay.

Okay. You can open a savings account with them. And I love it, but instead you're just giving them money. Practically, you're giving me money. The monthly payment is $875? Yeah, but that's... $75,81? It's more, but the loans for three years, which I figured would be better than paying on credit cards for 10 years.

Well, sure, but even still, this is a seventh of your income, and then you're still choosing to put your money other places. That is not beating it. That is not... You're not beating the market. Your retirement is probably not beating the market. Usually stock market up and down gets 8% a year. This year sure it's beat it, but next year we don't know. You could go underperform.

Like the interest rate on this is horrendous. Let's keep going, I guess. Freedom card. What's up with this? That's what we put the Disney passes on. We, but, okay, but you're not even on the card. Oh, yeah, we just use whichever cards. Yeah, you did.

364? Yeah, 2000. You said it was 2000. So what was the other? a thousand. It's not like you guys have that. That was probably for just something else. Oh, just casually. Casually just something else. That's great.

The interest period ends in three weeks. Yeah. You guys are so fuck. Why do this to yourself again? Fourth time the charm? No, that's not how this works. Why would you try the same thing over and over again? And expect different results.

Four times in a row, guys. This is so clear. not working. Well, we didn't expect to get large sums of money. We just so happened to. Yes. But then you didn't change your behavior once you paid off the debt and it went back up again.

And this is the fourth time when that's going to happen. You're building the debt right back up again. Again, you consolidated the credit card. So what did you do? You put $3,000 on this one. You put $2,000 on the one previous. What the f doesn't make any sense? We put $5,000 on the credit cards immediately after consolidating them.

Is that, are you guys like, no offense? fence. That is literally like what a stupid person would do. The thing is, is I figured, so I started working this year in March. And when I started working, I figured that everything would kind of work out because we'd have actual income instead of living off of hers. So I thought that it would just kind of balance out a little bit. Has a balance? Has a balance?

Of course. Yeah, because you spent three times your guys' household income. So that's very far from balancing. There's not anywhere towards balance. Not even double that would be bouncing. You spent three times your income. It doesn't make sense. Your income goes up.

You guys spend double. Your income goes up. You just spend double. What the new income is. You guys spend up? So you bring in $4,400 in a month? You guys already added $5,000 to credit cards that we've looked at so far. And you bring in $4,400 a month.

You just immediately just excuse to more. spend. Your lifestyle inflate yourself and it's all fun. You're just like, oh, more income, more Disney. I just figured it'd be pretty easy to pay that all. You figured the f***er wrong. It's not easy, dude. Look, you see how easy it was?

You had to consolidate it. You never paid off any debt before. You've always just had big lump sums of money happen because of a world event or something almost catastrophic. Like, what historical precedent would suggest that it will be easy to pay off for you? Well, a lot of, so the stuff that's on the loan, the debt that's on the loan, mostly came from while I was in nursing school because I wasn't working. So we would use it to pay for groceries or whatever we needed to buy. It doesn't matter.

That's not what this is. I know. I just figured that because I was working, we could pay off that nursing school debt we incurred. Instead of, we're just not even making those payments. So we got Annie's hot dogs? only in San Francisco Dolce Chiro Cafe Went inside Target

Got some cheap You know 26 bucks So it wasn't necessities Republic ramen Big expensive Target 485 What do we go to Target at Disney gift parts No my sht

No way Wait No What day was that? It was at least processed On the 7th of last month I don't know what that would have been Oh good fuck we don't even know where it's

I bought my friend's Disneyland ticket. Oh, yeah, see. But she's paying me for it. And has she? She's paid for... It's been over a month. I know, but she's paid for part of it. She just owes me like the other half of it.

Well, good news. Then there's $2,000 of Disneyland tickets after that. And then more Target. Oh, wait, well, what is this out of that? 485. There has to be another Disneyland tickets. Another ticket. What is it happening, you guys?

I've never met Disney adults before. I didn't think so. Is this what they're actually like? You guys are creatures. You guys are a fucking cult. You're spending so much money you don't fucking have. $3,000 in Disney on this month and then $1,000 in the other card. $4,000 to Disney.

And what for the month? And you're going two times next month and one March and then a million more times next year. Two times the last couple months? It doesn't make sense. How does this keep going? How is Disney continuing to populate throughout this conversation? It's just fucking crazy Is this not fucking crazy?

Well, they're paying us The two people we're going with At the end of January Paying us back for those tickets It's been over a month It is also risky You're essentially loaning out on your credit card A balance you have not paid

Well she is our old roommate And she's always paid on time So I just trust her Always takes once Just like your wants of not paying Your student loans Hey you're a perfect example of what can happen.

And are they paying new interest? No. Not that they would have to, but you're about to pay 25% interest on them in a couple weeks. Bounce is $3,024. The minimum monthly payment of $40 on your credit. Chase, Amazon. This one's also for Michelle.

A lot of the credit cards are in my name. Why? I don't really know. She doesn't care. Like, I just, I don't, yeah, I just have two, I think, in my name. And then the other words are. You guys can't be charged with credit cards. You're not critical of people.

You're not critical of people. Spent $816 on here. They're $818. Again, this is even more spending with the now minimum of payment of $2.80. 83. Bounds 427. The spending is fucking out of control. No wonder you guys are in the position you're in.

the spending is out of control. I think I'm the one who typically spends on that one. I think that's just my Amazon card. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Yeah, so it's like a lot on Amazon. Interest accruing this year. Let me see your Amazon. Oh, I have multiple.

No, it's just this one. Okay. Some of those are gifts for people. For birthday. You can't afford it. It's not even Christmas. And Christmas. You cannot afford things, guys.

This Myers cleaning. Gift, gift, gift, gift. We didn't. Buy those Myers gets the Myers thing. I guess it was on a subscription. That little tennis skirt. That was for Disney. For her.

My other tennis skirt got. You can play tennis at Disney? No, I just like to wear that. And fuck you. Wares clothes. Rain jackets, great. Oh, guess what? More tennis dresses.

What the fuck? opaque fleece lined thighs. They were tights. So that you can just see through? So you can't see through them, but they look like skin color. I wore those under the tennis skirt. In L.A.? Yeah, actually, Anaheim is pretty chilly, for me at least.

Hair tags, you guys don't need or can't afford them. There's some dog food. Usually don't see that stuff being bought on Amazon. Lots of things for cats. I don't 100% need all that right now, all the little jumpy jump. Jumpies. Probably can't even afford the cats and dogs. Loves and what is this, a professional metal compass? I don't know what that is.

What the fuck are you doing? It's for woodworking. It's the 1750? She likes woodworking. I don't give a fuck. I like you being out of debt and being able to retire. My parents. Do you guys communicate when you're spending or anything?

We communicate a lot. Well, most of the time it's when she buys things on Amazon and it just shows up and I don't know what it is and she'll tell me about it after she's purchased it. But she does return a good amount of stuff. I saw a couple returns in there. I saw a million purchases. Yeah, and I will say I'm planning on returning one of the tennis dresses because it didn't work out.

But after you got your fucking sweaty Disney ass on it? No, I didn't wear that one. I just wore the skirt. I didn't wear the dress. Oh, this credit card balance is insane. Oh, that's the new one? This is your, it's a new one? Well, it's your balance transfer.

So a get, a fucking get! And then you built up your, and then you spent $5,000. $5,500. We have a long time to pay that one off. Guys, you're making me want to give up. You've done this repeatedly over and over again throughout your life. And you don't seem to even suggest that this is a bad thing. It has not worked before.

Well, I figured giving us a long amount of time You figured a lot of fucking things throughout this conversation And one of them has not been correct. Well, now that I have a job, that one we have until 2026. March. You've had a job. Since March. You didn't get it yesterday.

The goals that you guys have, you're talking about having kids. Do you want a house? I think eventually we do. These goals, these wants. These are things you're not. going to be able to do because you're around and you're repeating the same mistake for the fourth time now major life mistakes for the fourth time now that is not acceptable you get an excuse one or two times we all make mistakes i've made plenty and we all still do but you don't

get to make them over and over again for the course of a decade and still be like like sympathetic towards it, you know? It's hard. You should have learned at this point. Oh, no, she's not okay. You have some sickness? Yeah. A little bit of...

Well, she's not sick right now. She was sick like a couple of weeks ago, and the cough has lingered. I'm a nurse. Don't worry. She's not contagious. You're what? I said, I'm a nurse. Don't worry.

She's not contagious. I wouldn't let her be here if she was. You guys are junior men? The payment. Wonderful. 75 bucks a month. Seventy-four. How long does this take to pay off, guys? I wasn't sure. How long does it take to pay off, guys? With the minimum, I don't know, like, maybe like five for six years. That's it? Maybe. I don't know. What do you think? Is it that much? $75 a month, and it's at like $7,300. Five years? Maybe not. Oh, she went under. Okay. 13 years.

Big fee, balance transfer fee, $360. Yeah, 13 years to pay off, is that what I said? Okay, the interest free period ends in a year and a half, not even, a year in four months. So that's going to be a lot of interest being paid. I think, I thought that was enough time to pay it off. Again, it would be if you. It would be if you were disciplined. It would be if your other debts weren't going up.

It would be if you didn't spend three times your income. It would be if you wouldn't have your wages garnered for not paying under student loans. Yes, it would be if you did the opposite of what you're doing. So in what world would you actually be able to if you continued the way you're doing plus three Disney's planned? That doesn't make sense. That doesn't make sense. I need to make sure you know that. does not make sense.

You can't continue to have these thoughts in mindset because it is not true. I just figured I'd give myself more time. I'm going to fucking die. I'm going to myself. What do you mean? Because we, because that debt was, again, mostly from nursing school.

And it was on a car that had a pretty high interest rate. So I thought I would I had started working. But we were paying off all the other cars. So you're going to pay it off before. This is Euphoria Calvin Klein, the new elixir collection, featuring three perfum intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive, magnetic elixir, sweet and romantic

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Well, we were trying to focus on the things with interest right now. And then all of a sudden you just randomly have an extra $7,000 to pay it off. How much on a monthly basis, guys, starting today? I don't know. $463 a month. Got to round up, $464. Yeah? Yeah, that sounds about right.

Yeah, it sounds about what you're not doing. Let's see, is it deferred? No. I don't think so. It keeps going, my gosh. Okay, more Stephanie. Apple card. Why, you guys have so many cards.

You obviously are not credit card people. You can use the type of credit cards that act like debit cards, like the FIS card. It's the one we work with, where it only lets you spend what's in your account. But you guys just spend all. All the money, all the money that you don't have. You're not credit card people. You owe $2.14.56 on this with the minimum payment of $125. What did you get?

I think we have some. We? Well, I have Apple Card as well. She does. But we... Oh my gosh. So subscription. Oh, the more...

Disney! I can't believe this. I've never heard or said of Disney more in my life in a day than today. Netflix, Starbucks, World of Disney. Disney 4308 and then Tiana's place. It's a restaurant at Disney. Wonderful. We got the Apple cards because we're like big Apple people so then we...

Wait, no, no, no, wait a second. No, no, no, no, you also owe an additional thousand. Yeah, we have installments for my phone. You do? Or both on this. Both of us. On this card? Not on this card. Okay, well, so this thousand is you.

Is me. Yeah. For my phone. Apple store, Apple store, Apple store, Apple store, Apple store. store, Apple store. I see four, five different things. So I have my phone and then I got an iPad with Apple pencil. Oh, you needed that. So that was actually because I just recently opened a small business and I'm using it for my small business. Yeah, what's your small business? I have an embroidery shop where I embroider like sweatshirts and shirts. How's that going? I just opened it in November and so far

I have I sold two sweatshirts and I have four that I'm making right now. Uh-huh, and how much did you put into it, including all the equipment and everything versus how much you've made. Let's chat about your savings for a second. If you're letting them just sit in a regular account, especially one with a low interest rate, you're missing out. It's time to talk about CDs or certificates or deposits, and I've partnered with Money.com to make finding the perfect fit for you as easy as it can be. With CDs, your money earns more interest than it typically does in your regular savings account. But the savings you don't touch but want to grow in the meantime, Money.com has made a lineup of the best CDs from top banks all in one place. You can easily.

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And then I've made about $60 so far. But I just opened it. It's brand new. You're not paying on your student loans. I don't give a f-I-I-I-wit. I wouldn't have done this yet. You can take a risk like that. When you have the ability to take that risk,

you already have risk hanging over your head. Unbelievable risk. So that's what the minimum fee payment was so high. That makes sense. Yeah. And it's a 20.7% variable interest. Apple card, right.

Yep, yep, yep. Okay, balance of 309. Dot 13 with a minimum monthly payment of $96,000 and 11 cents. Congratulations, you won the Apple Wars. Your minimum payment is better. More Amazon purchases. And then we went into Target and got some... That's my therapist. I go to. Okay, well, I support that.

That's good. Remind me of that payment when we do the budget. And then you have two Apple things. actually owe an additional $8,000, or sorry, $880. So $63. On two Apple things. One was $1,019, another was $3.44. One is actually my sister's, her cell phone.

She pays me monthly for it. Great, until she, you know, gets hit by a car tomorrow and I can't. I hope it doesn't happen. And then, Brad, doesn't happen. Another is my watch. But it could happen. Your watch. Apple Watch.

Let me see. I actually. Uh-huh. Exactly. It's what always. happens. No, I wear it. It's in the hotel room. It's in the hotel room right now because it wasn't charging. It's getting big use.

Interest charging. 18.7% interest. Yes, yes, yes, yes, yes. It can It can do. Gosh, there's so much paper here. All right, Michelle, we're back. This is IHG. This is your special little hotel thing. $8.80 to $63 with a minimum monthly payment of $40. Yeah, you just put brand new purchases and then $99 fee.

What is that? Is that any annual store card fee? That's the annual fee for the card. So we actually have to spend like $3,000 on it to get our bonus. And what's the bonus? $140,000. Which equates to $1.00? I don't know, but it was like a...

Mind you $100 a year. I think it's like five nights that you get. Five nights. Where? How much? In like most of their... Oh, good. Yeah, well, shocker. It's hotel. That was for my birthday Disney trip.

Yes. One of the Bajillion Disney trips. Of course it is. Is that all the debt, guys? Went over the student loans. Is that all the debt? It's horrendous. The only other one we have is she has student debt. I have student loan debt. But it's involved in some like weird case right now, so it's deferred.

What? Oh. It collects interest, but... I.e. it's in a, are you trying to tell me it's in a income-based payment plan? No. No. So it's in some weird case where they may or may not be wiping a certain groups. Did you go to a potentially sketchy school? No. Okay. What are you talking about then?

Do you want to explain that? Well, I don't know. It's just some case that I got emailed about. A good one. I don't know. It was just, I was part of it. It's like some weird about it. It's like a weird fraud thing that they may or may not be. wiping the loans for. Yeah, because the school? I guess. It was, but I don't know. What do you mean they may be? They haven't decided or? I think they're supposed to be like a date.

So there was two groups. How much instead of loans? Um, 32,000. Oh. And what was your minimum? Um, I've never had to pay on it. Um, it's always just been deferred. Via you? Um, no. From that came. weird thing. Well, that was more recent. So the case has been going forever? No, that was more recent. And you're not requesting deferments?

No. Are you on an income-based payment? No. I don't know. I just... Why didn't you bring a statement for us to look at? Because I might be able to tell you. Oh, well, I just figured because it was in that thing that it wasn't...

Yeah, but don't you want to know more about it? Well, yeah. Don't you? She has an email about it. I just can't, I can never remember what it was for. I just didn't really think about it because they said... And it's very scary. They said that, um...

it'll be wiped if like if they don't make a decision by a certain date yeah which is like next year any other debt besides that we are paying there's no statement for this because we're just paying a family member for our car because we bought the car from them what car the car what is it we have a Mazda 3 2013 miles 160 we owe 1100 left on it and we pair 150 a month we pay her 150 a month which is what she wants. So it's almost, well, still got almost a year. Okay. Now, is there any more debt?

No. Okay. Okay, so SOFi. You guys do have the SOFi account. See? And I like it. I use it too. And for my emergency fund.

You have the checking account. You use, okay, beginning balance 184, current 2004. Okay. So much is bullshit. Panda Express. QT inside. Apple cash being sent. Panda Express. T.J. Max.

Oh, this is so much. More Amazon. Costco, that's hard to tell, but these are really cheap purchases, meaning that they don't really seem like necessities. Like, who's going and getting a $3.25 necessity from Costco? Sounds like a fucking gliz. Probably good. Double-up gliz, maybe.

See? Go be some BS from Target, some vending machine. Ice cream, Starbucks, Amazon. Glyzing, and it. up raising can't starbucks why are you guys glisten so much PayPal and Uber eats for sake That's the only we don't actually use those delivery services a lot I was at work and I work at night and so the cafeteria was closed so I had to Uber

eat something for lunch I think Michaels hates lesbians I think that's Hobby Lobby I think Hobby Lobby Or maybe it's Michael's too I don't know maybe maybe I don't know maybe I don't follow who hates who World Market Who do they hate? Starbucks Einstein's Bro

Uber eats again $211. Some bullshit Target probably Zelenoff 50 Some cafe Starbucks Starbucks Talking sticks

Resorts Resorts Fry PayPal paying 4 270 The fuck is that That was for my embroidery machine

For my small business For your small business. You just say for my small business. Come on. You haven't made anything. You can do that later. You don't need that now for my small business. I love small business.

Do it. It's great. You don't have that level of risk. Our savings. Amazon. I think we're down paying that one off. Yes, but you put so much money into it. There could have been paying off debt.

Change your behavior. Savings for an emergency fund. Amazon, Walgreens. We got some bullshit. Bullgreens. Probably. Those are probably medications. I hope so.

Panda Express. Apple Cash sent out. McDonald's. Some glizzing it up. Stores. It's called Stor. 757. Amazon, Amazon, Black Rock Coffee.

Store again, 757. The fuck store, guys. I have no idea. I have no idea what that is. They must not either. Okay, I guess no one. High Flying Foods. Bullshit at a gas station.

Bullshit at a gas station. Went in and got some bull-h-tah-tarigan and selling out $1,000 to fucking who. That's our rent to her brother. My brother. It's his house. This is so interconnected and weird. It is like an incest on your side. Financial incest.

Everything is intertwined. Got to stop. It causes weird drama eventually. You just haven't experienced it yet. If you have, you should have learned you a lesson. Casino? Really, guys? Einstein, Einstein, glisten it up.

Amazon. This is so fucking long. Ha! My throat's starting to hurt. Like Mickey had a turn with me. Bag, oh, crab, hot stone, Taco Bell, Sonic Drive-thru, City Pass, 162. Apple Bill,

Uber, well, more Uber, Uber trips, Starbucks. Ah, it's a fucking number. Is there a roundup on that? Is that why? Well, they... No, it's not. It's not. Oh, it is a little. There's a little. But it's not that much. Popeyes, BlackRock. Also, your spending's insane. Still, regardless of Roundup.

Went in and it got some bullshit in Amazon and Apple Cash and Apple Cash and you got a bull's target probably. And winning in a gas station, you got a bull $90 of Apple cash being sent out. Another Apple bill talk about peacock. Peacock. What are you watching on? Peacock. Area. Arena. 23, Amazon, Amazon, Ono, 518, Italian, Dutch Bros, Dutch Bros, Gravity Coffee, Venet Not 25, beside in car wash. I guess you are in a desert.

Desert is to know, that's when I'm okay with it. Even still, for just me and its purposes of a car. That it was so many pages of bullshit. Pure bullshit. We don't cook a lot because I'm not, I, we're on different. schedules so sometimes it's hard for us to coordinate with who's cooking meal prep warm it up for sake guys you're 28 and 27 you're not 12 meal per food is like never good good yeah you're good being in debt's never good duh that's not true there is good debt not your versions not being able to retire is never good

and maybe make better food learn how to use some season in here and there if I took that amount of money and just put it in my Moomoo account my investing account that I use that shit would have just been growing that money would just be growing and compounding it would be making money

instead you're just throwing it all away thousand dollars spent going out to eat in one month by the way $1,000 yeah a fucking joke everything everything you guys are doing is a joke you're living like children Good luck having any with that mindset

Okay, see here we go 11,000 hours in your retirement That's pretty okay You know I'd want you to be a little more By the time you're approaching 30 in a couple years But we are on a track Close to a right track Yeah

You? I just started in it Yeah you did You were in school for so long Is this the same thing or is this separate? No, those are separate Good so we're looking more 22,000 for you And then I have at my current job

It's at Who has the traditional IRA? Me. Oh, so this is even more. Okay, you're, you're, you're, yeah, you're on track, I think. You're on track. You are on track, which means, though, if we're married, we're only half on track. So, let's see where this all comes to.

So $7,000 on a monthly basis is not going to put any of your business income in there, that's for sure. I'm going to put the big minimum payment for that one credit card so we can pay it off before interest, screwing. This is like, let's not be stupid. That's gonna push our, just, our debt minimum payments are already insane without just that. I don't know how you guys have allowed this. And if your student loans kick in, you're probably at about 400 bucks a month. If that all goes to minimum payment guys on, this can't be true. Do I need to re-add this? I'm gonna read this because that seems insane. I got it wrong. But now I don't. Debt minimum of the name is 2,272.30 cents, which is pretty

wild. It's pretty darn close to half your income, half your net. I don't know why you guys are allowing this or accepting it. How much is rent? A thousand. What about utilities? We pay 150 for water, and then electricity is 270. No gas? That's included with the water. Internet? 55.

Rentress insurance? We don't have it. My brother. We rent from her brother. He has like homeowner's insurance or whatever for the house. I'd get it just to be extra safe

if you're legally renting it through them. Putting 20 bucks in there. Get it. Okay. Phone bills. What are we looking at? Are we together? My dad pays for mine.

It makes his line cheaper so he says he wants it on. Mine's 40. That's not bad. It's actually not bad. Okay. Gas, room, room, drive, guys? Probably about $160 a month.

For both? Because we have one car. I work remotely. And she works remotely, so it's just really. Work remotely. But guys, we don't have time to get any food from the kitchen. Car insurance? 153.

Definitely not the worst. T.P. Fun, anything else to survive? Giving you guys $200 bucks? This is the nails, is makeup. There's a total paper. This is whatever. It is tampons. It is everything you need to survive. It is not covered in this additional stuff. You apply it more detailed going through the budgeting class that you need.

Okay, groceries. I'm going to give $600. Follow the meal plan in that class. Medical health care. Okay, therapy. How much is it on a monthly basis? Well, it really just depends on when I want to go. Well, give me an average, then.

50? Okay. Medications, monthly? Like, that's like $250. $250? Yeah. For what? I didn't see that.

She doesn't even know. For what? No, it's for your... Oh, yeah. Well, yeah. And she gets those, the injections from, like, the compounding pharmacy. They're, like, semi-glutide injections, so they're, like, two... That's, like, Ozepic, but, like, the cheap version.

Okay. Anything else medical? No. Have you lost weight? Yeah. How much? Over how long? Like, 15?

in like four-ish months I think with all this evening I'm surprised honestly good job you have pets how much for pet food we spend well yeah probably about like 250 for pets because we have five cats and a dog good shit and they all have pet insurance

no so we don't have pet insurance and we were looking into it when our dog got sick earlier this year but now that she has, it's like considered a pre. What was her sick? She was like severely dehydrated and had like Giardia. And then one of our cats too, he's had a bunch of illnesses before. So I feel like getting it for them.

Can you get the other cats? I'd get them just for those who you can. You're going to budget in 150. Because the AOLs literally save you thousands. You're not going to let them die. And if you can't afford pet insurance, you can't afford pets. Anything else that needs to be in your budget that I have not put in? Speak now.

I don't think so. Okay. Yep, we still have enough. I'm not going to give you any fun because this is so stupid. I've been doing it, and you need to learn discipline financially for the first time in both y'all's lives. So, 879 left on a monthly basis. Okay? that is paying off the

the Stephanie's USA bank by the time that interest accrues so we'll cross that off because that gets us there I put that in your minimum monthlies, yeah? I had minimumity payment on your student loans until they're paid off yours probably same once you get them so we have to work to pay off outside of those $30,419 of bad debt

we should never have a lot of us to get in this position It takes 34 months. It's not the worst. It's about three years. It's about three years, but you guys got yourself into a three-year mess. But that doesn't include being able to go to Disney once at all. If you do, if you do go to Disney,

I will allow you to go make more money with the second job, someone, both of you, whatever it is, or raises or whatever. And once you're able to put $1,000 towards the debt to pay it off in two and a half years, I will allow you to put a little aside over $1,000. After you put $1,000 towards that, towards Disney thinks that's what really keeps you going throughout the situation.

But a thousand hours a month needs to go to a minimum. If you're not willing to go get another job, then you're not going to Disney. This takes three years to pay off, and then probably another seven months to get an emergency fart or something. That's what this is looking like. My job does have a lot of overtime opportunities. Take them, nurse them.

Put in those needles. whatever you guys do. Okay? Okay. There's options here. Consolidations going forward are not it. Now it's a discipline change. Now it's a maturity change.

Now it's finally taking control for the first time in our entire fucking life. You can pay this off in two and a half years, even quicker if you really want to. Take more overtime, get more raises, pick up a second job. Whatever you guys need to do. But you're not allowed to go to Disney unless you're putting literally a minimum. of $1,000 a month towards this debt and then an emergency fund after that. That is when you're able to go to Disney. Probably not as much as you do.

I would still put more towards the debt because maybe we'll well get out of this in two years rather than three. Why go to 30 and 31? Why be there when you pay off debt? It's be 30 and 29 and 10. It's a little better. You know, we're about halfway of where we need to be so far for the retirement. Actually a little less because it's not an equal split.

You do make less. You make half as much, meaning you guys are about a third of the way to your retirement goal in a few years from now. Okay? About a third of a way. So you're behind. You're behind. But you can change it. It's just a sacrifice you need to do now.

Disney's not really in the picture unless you do it the way I discussed. All right, guys, join us. Join us in the post show. That's where we have all the extra goonie wild conversations. We talk about some more juicy stuff. we can't talk about on the main show for demonetization and privacy reasons. Make sure to join us, join Hammer Elite for the best value over a thousand hours of extra content. Let's get your Hammer financial score.

Spending in a budget you overspent, zero out of ten debt. No collections. It's really bad debt. I can't give it any better than a two out of ten because it's basically as bad as close as bad as it gets. Emergency fund. There wasn't savings, was it? No. You're going to Disney.

That's a joke. zero out of 10. Retirement again, you're about a third of the way there. I'll be generous and give a four out of 10. I can't. Now it's a three out of 10. Real estate, zero out of 10. Hammer financial score. You hit it. One out of 10. All of our education is bundled together for 15% off. Link in the description below. I'll see you guys in the post show. It'll be fun as always. We still owe for the wedding. But what I mean you owe for the wedding? Our debt payoff strategy is three years with literally no fun. So that's more debt.

Yeah, and I did forget about. Oh, for a f*** sick. For f***ic sick, what? What, what possibly? How much more debt for the wedding? You've ruined this whole fucking thing. We still owed... To watch the financial audit post show,

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