Financial Audit - Most Insane Car Debt I’ve Ever Seen | Financial Audit

Episode Date: October 20, 2025

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at Yamava.com must be 21-20. Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Both of you just go and do these things endlessly behind each other's backs and then justify. You just do things. Someone has to. You're suggesting

she doesn't. Sense of finding a career, finding something more stable. In that sense, no. She's comfortable. Who said uncomfortable? You're comfortable. We're in daycare. We were paying for daycare. If you would have maintained those two clients throughout the pregnancy, we wouldn't have been in the situation right? That baby wouldn't have been alive if I was with both of the little clients.

One thing I'm picking up is that you can never be wrong. Why is he such a little pocky-ass-ass? This was so correctable until we got to the cars. And now we're... The tools to change your life have just been upgraded. Download my budgeting app rebranded to Dollar Wise today and start your free trial. Sign up for the annual version,

and I'll send you my budget-friendly cookbook that can't be purchased anywhere else And I'll personally sign it and mail it directly to you. Download the dollar-wise budgeting app today and take advantage of your free trial. Hi, my name is Ava. I'm 26. Hi, I'm Logan. I'm 26. And we're from Fort Myers. And this is Financial Audit.

Thanks for coming over from Florida, guys. You know, Fort Myers, it's not like one of the cheaper areas to live for sure. You know, kind of depends. Hopefully you guys are doing well. What are you doing for a living, Eva? You're right in front of me. I'm a registered behavior technician, RBT. Cool, RBT.

All right. What are you making in that position? So my client has 30 hours, so we only work with the amount of hours our client receives. Sure, but what are you making in that position? Making 30 an hour. What hits your account per paycheck, and what is that per paycheck cycle? 1,800 every two weeks. Okay, okay, okay.

And you, Mr. Logan? I'm also on RBT. Oh, that we mean in school? No, a little RBT school. No, no. High school, sweet arts. Oh, really? Yeah. Oh, 26. Okay, cool. Sure.

And are you $30 an hour? Yes, same. $30 an hour. How many hours a week are you at? Around 56 or 55. Why did they like you so much? Because I have two clients. A little sexism? No.

Oh, look at those tits. Gross. Let's get a less hours. No, no. Based on the clients, they can have only a max of 30 hours per client. it's what the client gets approved for. And you don't want more client. Do you have kids? Yes.

It's not that we don't. Yeah, we have kids. Yeah. Ah, that would be a good answer. Why? Before we learn about the kids, what hits your account? Well, a little over $3,000.

Like, $3,200. Yeah. Oh, yeah, to answer for him. Mm-hmm. She knows. You don't know. You're not to know her. Yes, I know a bit.

She's the one who plans it all out. Okay. So what made you take control and be The planner. Um, I mean, that's $10,000 a month. That's not, that's not bad.

It's not bad at all. Even for buyers. I mean, we're doing, you're well above the median, that's for sure. And this is net. This isn't even gross. We're 120,000 hours a year.

Net. Delicious. Wonderful. You're working hours to get that for sure. What are the kids? What are the ages? Three, six, and ten months. Wait, three, six.

You have that many kids? Three, Yes, three kids. Six-year-old, three-year-old, and ten months. Me. Well, you better be making good money, then. That's expensive. Well, what the fuck?

Colton's telling me you just lost one of your clients. Yes. Wouldn't that be, would that not be impacting on your income? Yes, but I already. Why did you not even tell me that? Because I have something in the works. It should be starting. And the works should be?

Okay, in the works and should be are not, they are. Yes, but it's. Probably within the next two weeks. Probably. Should be. In the works, probably. You never know with the process. Lots of, lots of...

That's the problem with this career field. It's like this. It's up and down nonstop. And you can have a client. You can lose them next year. Sure. Sounds like you lost one. You're shaking your head.

I feel like... It's... We've been in this line of work for two years. So we've been up and down. It's very hard to maintain two clients. So basically the only way we can explain is that you can have a morning client and an afternoon. So is this 64 not going to be consistent then?

Well, what do we consider consistent for the income of the house? It's not 10. Meaning, it would be about 72. Okay, that's still not bad. So 72 to 10,000. How often are you getting this 10,000?

It depends. That's the issue. It could be, so you have the same client for years and years. Okay, you've been in it for two. So, yeah, so in the two years, I've maintained my clients for the most part. I've had two clients. Probably out of the two years. I have to fact check. Is that true? Because he's already lost my trust a little.

No, it's true. Okay, gaining my trust back. That's good. Okay. Yeah, I mean, high school sweethearts, we love it. You guys started right away. Yeah, popping out the kids. How long have you guys been married? Three years. Three, four this year. Why is a kid? So long before marriage. Yeah, 19. Yeah.

19 with our first. Told my mom was when I was born, yeah. It's not thrillingly easy, but you guys are obviously doing well-income, but again, why the kid before marriage? Oh, reckless behavior, yeah. Stuck into the wrong hole. Yeah. Okay.

No, just, no, just it happened. I already knew I wanted to be with her for the rest of my life. I loved her and just not getting all the legal protections and tax advantages that come with marriage. I wouldn't say it's always an advantage to be married. Well, what's the not? You're right. If you think a divorce is incoming, it's probably not. What would the not advantage be?

Because there's lots of protections with inheritances and, like, you know, debt settlements and whatnot. I don't know. Including automatic things that happen if you're married versus if you're not at time of death. It just took a minute to get to it to be able to do. What's the advantages of not being married or the disadvantages of being married that you're advocating for? I wouldn't say I'm advocating for, but benefits of the time because we weren't when we were living together. I'm not too concerned about that anyway because you guys are married now, so it's not like that's a big deal. What's going on? What are we talking about today?

Well, we are trying to figure out how we should pay off our debt, figure out emergency savings. Sure. And to try to save for our kids and retirement just because we're 1099. Those are all pretty good, but what is going on? Yeah. We're 1099 and we owe taxes to the IRS. So now with the taxes, with the debt, then we have. 10,000? Is this future back?

No, this was 2024. You know we're almost done with this year, right? You know, in a couple weeks, we are in Q4 of this year, right? Yep. 1099 for two years, are you guys not paying an estimated quarterlies? No, it was just one. It was just last year. It was we did the extension.

No, we're not. Yes, you're not paying. No, no, we're not. So what are going to do this upcoming year? Because if you can't even pay an estimated. last year's taxes, what the fuck are you doing in a few months? Yeah, we're trying to figure out how we should... And what did you figure out?

Well, we did a payment plan. 10,000! What did you pay, if anything, last year in taxes? We only paid 600 at the time. Why? Because we started working towards the end of that year. We've been doing this for two years. That is not lining up at all.

We started in August of 2023. Well, we're talking 2024 taxes. I'm confused. So we had... So at 2024, yes, we didn't... We only owed, because for the 2023, we paid 600. That's what we paid for our taxes because we had W-2s at the time. I'm asking why you didn't save anything aside for taxes last year.

I'm asking why we owe money to the IRS right now. They're in chat. They always are. Hello. When? I don't, I'm doing well. It's okay. You look at them.

We went over spending for sure. Wife wanted a bigger house. Oh, you got a new house? We upgraded houses when we're not paying taxes? We're not paying taxes. We're upgrading housing. Yep. What bedroom?

How many bedrooms did we have? Let's try to justify this. Let's see if I can excuse. It was a three-bedroom townhouse, but we were living with my mom. Yeah. So. Are you still? When we moved to the bigger house.

Okay. So what did we? How many bedrooms did we go up to? We went into four bedrooms. Okay. So we upgraded a one. Listen. I mean, I mean,

I'm vibing with that, but not if we're not paying our taxes. Yeah, agree. I'm vibing with it, but not if we're not paying our taxes. Yeah. So in this household, when it comes to money, when it comes to communication, purchases, upgrading housing. I mean, it already has kind of been established. So do you seem to be the one that knows what's going on? And dudes kind of on the back burner.

Also, aggressive forehead lines at 26. You got to, it is either Botox time or you got to stop upgrade. Like, up in those. It's all good. Okay. Stress. I'll take you. It's not stress.

That's you doing this. Okay. Sorry. The actual important thing. What is the dynamic like in the communication around finances in this house? Give us some insight before we dive into the numbers. So I get, I'm the one that budgets everything. I know exactly what comes in since I have access to most of the accounts.

Uh-huh. Why is it just you? Why is it, Queen Eva? Is that right? Is that what we call it? you guys. Queen Eva, why? A mentality. Just my mentality she likes controlling.

Control. How do you feel about that? I mean, this is your guys' future. Married for a while. Three kids. Well, so I'm gone most of the time. I'm always working. I'm out of the house, 12 hours. One through Friday. Great. But that's Monday through Friday, giving you two days.

And also, a budget could be one day a month. Two hours in that day. I trust her, and I know that she knows what she's doing. You know, you're on the show because you're, right? You know, no one comes. on the show, unless they're f-f-th right? Absolutely. But where's that trust?

Well, so it's got him better over the years. So now is when she's taking initiative the last year and a half or so where she's been... This is better? Yeah. She used to be this spending. Oh, she says no. See, you don't know what's going on, guy. No.

I didn't get more on top of it up until maybe six months ago, five or six months ago. I mean, I kind of budget just based on what's due during that time, either credit card, minimums, anything for our kids. Does he have to ask permission every time you purchase this something? Like, how does that look? No, I just tell him what he has left over after he makes his payments. And how does that go? After he makes his payments?

So. Yeah, we have. No, we have separate accounts. Why? What's the point? What's the intent? Similar income, similar job, similar age. But since we have to have business accounts.

Yeah. And it's separate companies. We can't be in the same company because we're different. Yeah, no. Okay. That's the, and that's another reason why I... That's the only right to receive our paycheck on the agencies. That's fine.

The only thing is that he will end up, you know, making purchases, big purchases, without me knowing. But how does that make sense if you're telling him how much is left over? Credit cards. Business credit cards? No. Again, why do we not have... How can she do a budget... If the business is separate, I get it for legal and pay reasons.

Why is she not having insights into the credit cards if she's the one budgeting for the household? What are the purchases? How much and how often? What is this? It was a one-time thing. So we moved again recently and we were living in a living room

in my parents' house because I'm going back to school in January and my mom also works in this field so she knows how inconsistent it is. So they asked us to move in. We were building an efficiency and I helped with some of the purchases. So I purchased, it was like $1,500 on Home Depot.

Oh, what? tile for everything to make Why would your wife not know Even if it's a good intent purchase If she's budgeting the household It was on that day I didn't think anything I didn't think of that

I didn't think to talk to her about it right away Because we had told home He left me at home with the three kids With his mom in the house I didn't tell me I've been doing the construction with my dad She says it's not just one time That you get enticed easily constantly

So I don't know what the fuck You're talking about one time It was I saw it as a purchase to be able to help us. Sure. To not communicate with the person that's managing the finances of the house? We're saving

because of the move and being able to live with my parents now, we're paying nothing for rents. We're saving $20,000 bucks. How do you know what you're actually going on, what the finances actually look like in the household if you are not involved? You can't say that.

You might just know the rent number specifically, but you don't know the full picture and isn't the bigger picture what's important when making a massive purchase. $1,500 is a dramatic amount of money. Well, the way I saw it was If we're going to save $2,000 a month We're not having to pay rent anymore

Because we moved But you don't know the whole picture But if you were two thousand What if you were, okay, sure, you saved $2,000 But what if you were a thousand over And that's why you guys were in the hole No, it wouldn't make any sense It was $1,500 bucks

How would that and I make any sense? Because the way I see it was This month we don't have to pay rent Zero percent interest He liked zero percent interest. He's the zero percent interest guy For that, I will say But again, she's the one that runs

the household finances. I'm not saying this purchase was inherently bad. I don't know, but why would you not at least vet that with the person who, if you, you are purposely not being involved in the financial conversations? We are, because we sit down. We talk to it together every month. What? That is not what you guys have said so far.

What are you talking about? We sit down every biweekly. She pulls up the amount. Hey, we have this amount. We have to pay this as much. This is our TP fund. This is what we owe. And then we go from there.

Yeah, but you don't always. follow it. I do follow it. I initially made that one purchase. Clearly, this isn't hyper correct no matter your defense if she's against the purchase. It's not necessarily that I was against it because I understood that

we needed it. Well, again, it's not that the purchase itself was bad. It's the timing and the amount and communication. It's just the fact that he didn't tell me and it was just after the fact when he got back to the house. I've been working on it. They came back with all these supplies and I was like, where are you?

guy that was helping us do the work. It was me, my dad, and one of his buddies who does all that construction stuff. And he was, he was done with the project that we was already working on. My dad was outworking. And I saw, I'm like, okay, if I go to Home Depot and I buy this stuff, this will help us finish the room that we're making. So we can, instead of sleeping in the living room,

be slipping in our room finally. So it finished the bathroom. It's not the purchase itself. You're trying to defend the purchase itself. It's not. It's your lack of communication. And you didn't maybe understand what the dollar. Maybe that purchase needed to be done. Sounded like probably. but maybe it wasn't in the budget right then and there.

And you wouldn't know unless you discussed it with the person who's running the finances. You don't know dick. Was it retaliation? Because I'm being told you're also upset at her for opening a Disney card behind your back. Was it retaliation? No, I wouldn't see his retaliation. I saw it as an opportunity for us to finish our room and being able to work on it. Get stuff done faster.

Tell me about the Disney card. So she opened it for vacation, which I thought we paid outright. She wanted to go to take our sons to Disney for his birthday in April. Yeah, that's right. My sister was planning on taking my nephew, who was turning two, for his birthday, and our son was turning six, and they hadn't been to Disney yet. Not that I hate Disney, I hate Disney, but I was taking, I wanted to take my kids just so they could meet the characters, things like that, and I took advantage of a promo.

They were going through. of um it was a four hundred dollar credit and they had the tickets at 150 per person but yeah but then you've been using that card for other stuff like what planning now our other two kids birthday party in november uh buying stuff for the decorations for the party uh the venue renting it out and other stuff and you're against this what's the communication around it then doing that stuff front of a credit card doesn't make any sense when you can plan it out and pay it outright. She didn't have to start buying stuff from March of this year when their birthdays in November. I don't know.

It feels like, it doesn't feel like you guys are 100% aligned. I want to see what you guys think. That's like the worry of the other person hearing. Let's bring in headphones. Let's bring in headphones and see if we can and see what they think. All right. I mean, listen, he can't hear us. Did Logan actually ask before?

making more big purchases outside of this? Or is it just like, oh, I've already did it. Tell me about it. Tell me about this dynamic. How does this go? So since we graduated high school, he's kind of been up and down. We've changed a lot of jobs since then, a lot of part-time, full-times, going back and forth between jobs because it wasn't enough.

And so he started studying to be a personal trainer. He spent $1,000 on that course. And you had no idea, huh? And he did not tell me until after he brought it up to me saying that, I want to do this. Can I, should I do it? It's like, it's monthly. I had to pay for it every single month for a year. And then I was like, oh, but are you going to be able to have time?

You're not, you don't have enough time to study. You sleep during the day. You work night shift. You know, you don't have enough time during the day to be able to study. And he's like, well, I already paid for it. So, and then after that, when we moved, he wanted to go to EMT school. He told me it was about 2000. And then after he finished paying for it out of pocket, it ended up being about $4,400 that I was not aware of.

And he was only working at the time. How was that paid for? It was out of pocket, all out of pocket, all with what he was making at that time. Did that prevent you guys from paying off that? It did, because at the time, we had just moved. We had just moved from Miami to Fort Myers with our in-laws. So I couldn't find a job because I was three months pregnant with our second. Who's at fault here?

For what we're looking at today, who's at fault? I mean, I've completely stopped using my credit cards. I mean, if I don't have the money, I don't have the money. Yeah, I mean, maybe, but you opened the Disney credit card. Did you open it without asking him because he would have said no? I mean, he kind of got an idea that I was going to open it. Does that mean? What does that even mean?

So I had mentioned to him that they had a promo for the tickets, and I wanted to get them right away. He knew I didn't have the cash on me, but I told them afterwards that, you know, I got the tickets. And then, you know, he was like, oh, did you... But you're the responsible one. How is this responsible? Especially swiping on the card afterwards, too, after it was done.

I mean, the balance is borderline. I mean, it's substantial. It's huge. Yeah. Yeah. It's the first one we look at. Yeah, I was trying to go back to the statements to see how I got that high. And I was a lot of miscellaneous purchases.

Which is the responsible one? Are you? Are you actually? Now? Yeah. Anything I should know here about his actions, about his communication while you're on mute. It's just it, just him making those big purchases without me really being aware of it or being told the full truth about it. All right. Well, let's switch. Jesus. Yeah. Oh, wow.

You're hear? Okay. All right, big guy. Here's the thing. What's up, most? Looking back at your relationship, what other massive purchases do you see that she was not aware of that you just, that you just do?

What else? The Home Depot is the one that I think of. And then, other than that, I would see... Nothing else. Off the top of my head, I can't think of it. No learning, no regret, no reflection. I talked to her about it. It was when I did school.

You talked to her about it? Yeah, when I did it at EMT school. What if she said you absolutely did not talk to her about it? Then you just did it behind her back without her knowing? I'm not sure. I haven't... Let's talk about student loans. I know it's something we all avoid talking about,

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AAA 973-3978. That is AAA 973-3978. Break free from the high-interest trap and get your finances under control once and for all. The Home Depot is the only one that I could think of. What? Okay. Whose fault would you say this is? All this is debt.

Whose fault? I say it's a mix between both of us. We both have our purchases. She was more of the small spender overall. small things Amazon consistently, little packages here and there. And you think she opened up the Disney card because you'd say behind your back because you'd say no? Yeah, I probably wouldn't have said no. I probably would have wanted to budget it out better and have more cash up front to do it.

Okay. How can you say that, though, for sure if you're not the one budgeting or knowing anything about the finances? Well, I know what we have in debt and what cards we have. How much do you have in debt? Total. Mm-hmm. With the cars. Mm-hmm.

Debt. What was you have in debt? Cars 90 About 114? 104? That's crazy. Not one of these is a mortgage. This is insane.

How did you guys even get this much stuff? What the fuck is going on here? This is crazy. It's the cars. And that's our big disagreement. Disagreement? Yeah. What's your disagreement?

So I was always... So I understand her point of view about it, But basically we drive a lot of miles to get to work. So we work. Tell me the disagreement. It's basically she doesn't believe in used cars. She doesn't think use cars work. It's all new.

It needs to be new. Yeah. And you? Used cars are fine. You can get a good use car. What's the disagreement specifically, though? What's the argument? That she, we had to get new cars because we drive too much.

What's the argument is because we drive too much. It has to be new. There's no further in-depth discussion. Just so. There's no point within there. She says that we need new cars because we drive too much. Okay, one, he doesn't acknowledge any of the purchases that you brought up. To be very clear.

It wasn't just EMT school, by the way. What else was it? The personal training course. Personal training course. But he says you knew about the EMT school. You gave it the thumbs up. You were all about it before he made the big purchase. Not the full amount.

It was... You told me it was half. of the amount that it actually was. It was almost $4,000. Yeah, but you told me it was like 24. Yeah, but I had to finance it. Okay, but you didn't tell me that you still owed more until we got to that point, and you were the only one making and the income at that time.

Okay, I was trying to find a career so we can live. And what happened to the certification now? I didn't use it. But I got a better opportunity for work and I was making more money, and then being gone more, that you were already complaining about me being gone. gone because you weren't working. And it was always, oh, you're always gone. You're never home. But I was studying, going to work multiple hours, being out of town,

doing moves, having a little business on the side, making, doing moves out of my expenses, making extra money, always finding ways to make sure we were good. But you didn't tell me the full truth about it. What kind of cope is that? Why do you think it's excusable? First, why do you guys whisper argue? You guys are weird. Two.

two, it's the same cope you're using with the Home Depot because there might be a good objective in there you think it's okay to lie and hide. That still doesn't make sense. Yes, it might have been a good career path you decided not to do it, whatever. Okay, it might have been. That means you lie and go behind her back?

I'm confused. How does it excuse that? Because that's what you do. Do you see that argument? At that time. Because you didn't even push back against that. Like, how? Like the dude says because he had a guy,

good intention, it's okay for him to lie? We've argued about it a lot. It wasn't lying at the time. She had no control over the finance at that time. She thought it was half. I don't know how she thought it was half. How did you think it was half? At that time, I wasn't really working, so I was just, I don't really remember exactly

where we were at with the finances at the time. It was just him working at the time since I was three months pregnant, moved to a new city. I couldn't find a job anywhere. Taking care of my toddler at home. This was years ago. This was four years ago. This was four years ago. Yeah, but it's going into our dynamic of our relationship now because he just did the Home Depot thing.

This is a reoccurring thing. I would say a pattern. And then he enrolled for the nursing program to finish the nursing program. Behind you back? So he said he was looking into it the week prior. And then he told me he needed to pay a deposit in order for him to start the school. You just do things. You just do things.

Someone has to. You're suggesting she doesn't. She doesn't do. Saying in the sense of finding a career, finding something more stable, finding, you know. So she doesn't? In that sense, no.

She's comfortable. Who said I'm comfortable? You're comfortable. Because in the sense for now, right? So I'm going to be going to school in January. And then so I'm going to have to be working part-time. I'm out of only one client. Wait, what the fuck?

Yeah. So you're cutting your ink? And she's currently in school. Why are you moving into nursing? Because our career. is hit or miss. It's up and down consistently. You never have any stability.

Because since they work with Medicaid, they lose their insurance, so they didn't get approved again for insurance. But you've gotten more... He says you're comfortable. I'm not comfortable at all. Because my income is the one that keeps on fluctuating. I've had to drop a client

because I was pregnant, because I couldn't because of the aggression that the client had. So I had to drop one of my clients because of it. I did work. I worked up until the week prior. prior my C-section. No one's saying you don't have to.

You could have worked until one month before, but if you would have maintained those two clients throughout the pregnancy, we wouldn't have been in the situation, right? That baby wouldn't have been alive if I was with both of the little clients. Fine. That's what I was saying. But he wanted me to clip a client that would throw chairs at my back. Aggressive client.

At nine weeks pregnant, you think I was going to be able to maintain that? I understood why you dropped them, but you could have found another one. There was no other one. There's multiple agencies. There's other agencies you could apply for. There's other jobs. You could have got something working from home. The kids were in daycare.

Working from home? What? Making 12 an hour? Making less than what we were making? It's more. 12 hours, 12 bucks more an hour than zero is more money. And who's going to be taking the kids to school and picking them up? If you work from home, you can drop up, you currently drop off the kids before you go to work before you do anything, before you go to school at the moment.

If I had to do an eight to four job, I would not have been able to drop off my, all the kids. At the time, we were living with your mom. and she was dropping off the kids. No, she wasn't. She was picking them up because we didn't pick them up. I'm sure if you talked to her, she could have dropped them off too. We talked about this before. Yeah.

Mm-hmm. In the sense now, so for example, so now when I start school, she's finishing school right now. She's doing medical billing and coding. When she's done with that. You guys are never, like, what are you switching to in a year from now? You guys are switching things endlessly. We're trying not to switch. I'm going to maintain.

Try now. It's just like you tried not to move every year. Yeah. I'm sticking with my client that I have now, but we kind of want to get out of the line of work just because it's so inconsistent. Why would you not want your pregnant wife to drop a client who's throwing chairs?

I'm not saying she'd want her to drop that client. And what was your big argument for doing it? Well, my argument was because he was doing that. I couldn't, I couldn't out work. The baby's health and her health was the most important thing. So I understood that, but there's other clients. She can apply for other agencies. She could have applied for her.

There wasn't many clients. But I think she was afraid of what happened previously with another pregnancy. That's fine. Which is totally fair. That's understandable, yeah. Yeah, you criticize that? I think that would be like the last thing I'd criticize

as I'm someone who wants kids. I wouldn't even come close, especially with a history. Yeah, I did. Failed pregnancy. Yeah. I did have a miscarriage prior to that one. But she could have worked on anything else.

Worked from home. I think she was trying to make sure we saw the term. Agreed. So what is their income about to be in when? So the income at that time with both clients, we were making... Now, now, with this... You said, oh, something's coming up, something's on the horizon. It's probably going to happen.

F*** you, school started. What are you talking about? It's actually going to be less. Yeah. No, no, no, it's going to be less than the 7200. Yeah, I bet if you're going to school. So what the fuck are we talking about? Well, so she's finishing school now.

So she should be done... My school isn't... My school is... She doesn't have experience in there. She's kind of in medical, but she's not going to... jump into like a $60,000, $80,000 job. But that job, she could work and keep one client if she wanted to. I never told you I wasn't going to.

Yes, you did. No. You said, I don't want to work this anymore. That's what you pushed. Well, what's the truth? I mean, a couple weeks ago we talked about it, and I told them I didn't want to end up continue going in this line of work. The point of me studying to do something else is to do something else, not to continue

doing this as well. On top of the fact that I want to get out of the time. 1099, mostly because of the issue of the taxes and everything. Well, that's this responsibility. Putting money aside. Yeah, but that's something we've always struggled with. Well, thoughts on this, Logan. So, her dropping, wanting to drop.

I understand wanting to drop it, but I don't think it'll be the smart thing to do, at least until we get out of the debt. If she has that extra income, as long as I did it as well, I maintained, I worked multiple jobs in order to maintain our situation. And seeing her not wanting to do that for me to finish school. So did we do that. What do we do? What's the solution? Well, I mean, I already knew the case was going to have to be that I was going to have to work full time because as soon as he goes back to school, I have to kind of...

How are the kids taking care of? Especially the three and ten months. The three and ten month, they've been in daycare since they were four months. Well, I got approved for the program, the government program in Florida. That helps cover costs. Why? You make $100,000 a year net. No, it's based on my income. So it was based on my income.

No. Interesting. Yeah. Listen, I mean, yeah, child care is way too expensive in this country, but I'm confused why the people make $120,000 a year net is the one getting subsidized? We couldn't. Compared to those who are actually struggling. I did not put his income in it.

So you lied? Yes. Yes. Oh. Because we could not afford to do it at that time. because our credit card minimum debt and our rent and everything else was super high at that time. Because she wanted the bigger house. The rent was only $200 more.

Still totaling $2,600 a month with... Do you just mumble argue? He mumbles. And I tell him not all the time. He says, I'm the one that mumbles. You both do, honestly, but him more than anything. Yes. But yeah, so we...

We were living above our means. We should have. No. Yeah, a bigger house. Hey, how much debt do you guys have? Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting app,

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It'll be incredible. and I am here for you with an incredible support team that you can reach at any time. This is a no-brainer, dollarwise.com. Let's f*** go. Um, he didn't guess correct. Let's see if you do. Debt with the cars?

Uh, uh... That is debt. I don't know. They both said the same thing. No. Yeah, I know. Because she doesn't see the cars as debt. That's cool.

How, they're debt. They're debt. It's money owed. How much? Um, I'd say about 120. She's even higher than, it's 104. I'm glad you at least both think it's,

you both. No, it's absolutely. Hey, by the way, I will say we're about to jump into the finances, but I want to know. He specifically said, you refuse to get used cars. And the only argument you have is because you drive a lot? Yes. And that's all you have. What are the details of this argument?

I would like to hear any points other than just. So we live in, we live in like off of Fort Myers. We live in Lehigh. So we are about 10, 15 minutes from the highway. But everything in Lee County is minutes are like every mile per miles. So you're looking at 15 minutes, 15 miles. So we drive 40 miles to work and back. Oh, no, you commute.

40 minutes. It's like a third of my employees. Welcome to a city. No, it's literally the amount of miles that we are driving, not the traffic. There's no traffic. Very good. So by a you low. We're driving 100 miles a day.

Five days a week. A low mileage used car instead of putting yourselves in literally six figures of debt. I've tried it already before. I got a $15,000. I got a $15,000 Chevy Traverse. went out. You got a f***ed car and didn't vet it correctly with multiple mechanics,

correct? No, it didn't even last 30 days. Did you take it to multiple mechanics? No. Then you f***ed it. That's you. How?

You didn't take it to multiple mechanics before you purchased it. How are you supposed to take it to the mechanic? You get a slip to go take it to a mechanic. I forgot to actually off the top of my head, because obviously we're filming this live to us, the name of that slips specifically,

but yes, you can take it to multiple mechanics, independent. I know that was a nice. or 20, so I don't really... You were basing something off of six, seven years ago? No, but she's still... It's just more about the used car situation just because now we... You f***ed it.

Hmm. No. Yes, you didn't take it to a mechanic. You f***ed it. You didn't do your due diligence. No shit. You got a... What a thought.

Ah, I didn't think about it like that then. I never liked used cars. Well, think about it now because you guys are six figures in debt, which is insane. And it's mostly cars. Yeah, I'm going to defend that. Huh?

I'm going to defend that. You're going to defend six figures in debt for depreciating assets. Yeah? No. Okay, that's usually like a part of a mortgage, like half a mortgage. Yeah. I know. Yeah, it's called prepurchase inspection.

Mm-hmm. Didn't know about that. Well, you do now, so let's do that and get rid of these. Kind of hard to. Because you can't afford them. That depends how negative. We'll find out. 15.

Well, we'll find out. Because 15 what? I mean, you got two cars. 15,000, yeah. You have two cars, so I don't know. One's a lease. Yeah, let's jump into the one's a lease. Great.

Wonderful. Absolutely just delicious. This is fantastic. But I'm going to go three to one point. And on points, I want you guys at the exact same time to give me what you think your household financial score is zero to 10. Zero being the absolute worst. 10 being the absolute best. Tell me where you guys think you are.

Okay. Three, two, one. Two. One. Okay. Oh, you're both pretty. both pretty close. You think you're doing a little better.

Okay, gotcha. If you watch your financial score, see where you need to improve, see where you're doing really badly. Take the assessment for free at Calebhammer.com. Just takes a few minutes and again, and it is free, and you can see where you need to change your life

in order to improve your life. And if you don't want to be like a guest who ends up on this show, make sure you download my preferred budgeting app dollar-wise. Take the free trial-in if you like. Sign up for the annual version. You save a lot of money that way. But also, for only the next couple months only,

and then it's going away forever. I will sign our budget, my budget-friendly cookbook, and mail it directly to your door. So check that out, dollarwise.com. Let's jump in. So money going out versus money coming in. Money coming in. First of all, what would Zellin Cash App even be? Zellin Cash App during that time, we were selling a couple of items before we were moving.

Okay, we was selling and everything. $8,567 came in total. payroll and selling things. Not really lining up with the numbers you guys gave me, but okay, what was the outflow? Outflow does include, you know, include everything on the outflow. Yeah. What was the outflow? I think that month, that was about 11 or 12,000.

What do you think? I was say over 10. 11K. Hey, that was 12,000. That's crazy. You know it. I'm glad you know it. But it almost makes it worse.

Why would you know this and accept it? Not that I'm accepting it. It's more that... You did it. Well, that had to do with the month that he bought the Home Depot. He did the Home Depot purchases. See, again, you're like, oh, we're saving money and rent. Let me just do this.

You didn't know the fucking numbers. You didn't know what's happening. You didn't know the inflow. And look, you spent $3,000 more than came in. 3,500 more than came in because you wanted to go... Which, by the way, it doesn't make sense if he only spent $1,500 for Home Depot. There's more than just that. But even still, what are you doing, dude?

You can't just do that. That was a bullshit Cope excuse that you're trying to do. If you don't know the overall situation, you can't justify the purchase. I disagree. Look at the numbers. How do you disagree?

Because it's helping us in the future. It's going to be... But you can probably do it maybe the next month if you guys cut from something else. If you do it without knowing and nothing has changed on the spending front or payments front, then you're going to overspend.

And what you did, $3,500. That is insane. I don't even know what the rest was for. I mean, it's fucking ridiculous. I'll tell you that. Our spending's everywhere. It's all over the place. Okay, Disney Rewards.

It's the big one we talked about. Yeah. So these big birthday parties that are coming up, what are we spending? How much is it costing? What are we doing? How much does it cost? So one of the first purchases I did on that card

after the tickets is I bought some decorations and stuff for the party. It was about $2.50. And then to reserve the lodge that we're going to do it at, it's at a park. It's at a public park. I want you guys to have this and spoil the kids that want you to. You guys make strong income. But you're f***.

And you overspent. No offense, it sucks. But if he fucks up and he goes below his money, you don't have you, can't go do that. All of a sudden, the math just does a math anymore. The math did not math. What the fuck? Yeah, you're preventing your kids having better birthday parties so you spend any money you guys don't have.

Well done. And they have somewhere to sleep now. Buddy, did they not at all? Flat out. No roof over their head. No where to sleep. No air mattress. Kids.

They were sleeping, yes. What would you say? They did have their own room. Exactly. So, what the fuck. Yeah, and then she also had open an Amazon card as well a few years back. But same thing. She would buy Amazon stuff every day consistently.

She has like five freaking vacuums to clean the carpets. What are you doing? Why are you just blowing money on Amazon? You guys barely afford to live. Especially during that time. Yeah, during that time is when we first started working as RBT's. I kind of didn't. Because it was the first time in our lives, we were making more money than we ever had.

That means you spend more money than you even make. Yep. That's exactly what happened. Impulse buying. every time we'd go to the store and be impulse buying spending more than we needed to when we first moved in I used that Amazon card

to pretty much purchase everything for the house so we went and he did he know when you open this card no he did not know until okay this is a pattern both of you just go and do these things endlessly behind each other's backs and then justify justify

justify what the what is wrong with you guys in communicating why why not talk It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot.

Now through May 6th. Exclusion supplies See homebopo.com slash price match for details We've gotten better at it now What do you think? Okay, tell me this What prevented you from telling her

about the Home Depot? We know why you did in it. We know why you went and spent it. Why didn't you tell her? What's the exact reason? It wasn't like me trying to hold anything from her. Yeah, but you still didn't tell her why. Because I was there working with the guy

and we finished and we ran on materials. We couldn't continue the construction and I wanted to get it done. And he's not the reason why you didn't tell me. I'm saying that. reason then because we were done in wall but what's the reason he knew i was going to get upset because he did that and i've been telling him every month i've been stressed out about the credit keeping keeping on going up every time that we i'd tell him make these payments on these cards and then i

total up the amount of credit card debt or just debt overall total that we have left over and then every single month i just kept on going up going up not going down it wasn't making up with the payments that we were making so it was pissing me off and i told them that that you know that you know know. He can't be making miscellaneous purchases just because he didn't transfer the money into his account or because he wasn't aware of how much money he could spend. He used the credit card for that. That sounds like an actual reason. You disagree though? I disagree. What the fuck? How? For that Home Depot it wasn't anything like that. I had no intent of that. I didn't even think about it. I said, all right, we're done with the construction. We need more materials. But why didn't you think about

talking to me about it first? Hey, I need to spend this amount because of the effect. I thought getting us out of a living room to sleep in the room. Okay. But you're not answering the reason what I'm telling you. I just said I didn't think about it. I was, we were done doing what we were doing. We needed more materials. My dad was going to be home. I'm saying, I do understand what you're asking.

I'm saying that I didn't think about having to talk to you about it. It was, and we're done. Let's get to the next stuff so we can get into. I didn't think you have an issue with it. I told you, we could stay in the living room longer than we need to so we can be able to afford to pay for it out of pocket if your parents needed help. I feel like one thing I'm picking up

is that you can never be wrong. I disagree. Oh, yeah. Okay. Listen, because every purchase we make, you endlessly justify it. And then when we call you out at all, and then she looks at it from like a different perspective,

like, nope, nope, impossible, nope, nope, nope, nope, not, nope, nope, nope, can't be wrong, can't be wrong, never wrong. Okay? What was your reason for not telling her about the, like, $4,500? It wasn't the EMT. The EMT school? It was, I wanted to do EMT school.

I know. What was the reason of not telling her? I know why you did it. I want to know why you did not tell her. Why didn't you tell me it was that full amount? I remember, I don't remember even talking about it. I did the school. You knew I wanted to do the school.

I remember everything. Tell her. Tell her. Tell me. No, I remember. I just remember the whole comment. No, why? Why didn't he tell you?

I don't know. I don't know. I don't know if it was because he was the only one making income at the time. And what about the $1,000 before that? That was before he moved and that was the coaching. That was just. But why without telling her? It's also something we couldn't afford to do.

Yes, we were in the middle moving. Yeah. That was just dumb. It was. Okay. And then why did you not tell him about the Amazon card? Credit card debt doesn't have to live on a balance sheet. It compounds like stress adding up with every late fee, every call,

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So put it on an interest card. That's on that, Logan? Yeah, so put it on an interest card was smarter, and then I had to find a way to pay for everything. Why did you not tell him about the Disney card? Well, the Disney card, yeah. I mean, I told him after. I know. Why did you not tell him before you opened?

Because she wanted the credit And she wanted to do the vacation I was opposed to the vacation at first And I guess she was I think she was scared of Of potentially me saying no We're being highly upset over the vacation I tried to convince him for years

For us to try to see if we could take a vacation That's for a night away For a couple of days with the kids Why did you open this without telling him What's the why? Because I wanted to do it And he was going to That's how I know.

There it is. There it is. Listen, guys, your lack of communication and not being able to even answer the why's until we finally got to that. He just didn't want me to do it. So that's why I did it without asking. Look at how you guys are operating. This is not great for the future. Anytime you guys want to do something, but you know the other person would be slightly against it maybe.

Then you just do it instead, but behind their back? Yeah. That's how the future looks because that's what the past is done. Both of you, do each other. It's not great. I say she has reasons behind it, and I understand more now. We've gotten better of communicating.

Dude, this Disney card just fucking happened. Your stupid thing with the Home Depot just happened. I don't want to hear it. Bullsh, bullshit, bullshit. Shut the fuck up. That's bullshit. Okay, again, I mean, this is at literally $4,368.24. That is substantial.

That is disgusting. Especially if we're talking about cutting back work. Both of you cutting back work? Like, what are we? This is crazy. Minimumpty payments $145, while $101 of interest accrued. How long does this take to pay off if we make minimum fee payments only without purchasing? Let's start with you, Logan. How long?

Minimum of the payments only without purchasing, which I'm sure will find an excuse to purchase again. I'm not sure. What's the minimum payment on that? $1.45? 145. Like 45 years? No, 15. Still.

Christ. Yeah. And that's what you guys have decided to do Just for fun, because this was fun card. This was bullshit. No communication. Hide behind each other's backs. Okay.

And an interest is accruing like crazy. We've had a late fee this year, I think. A late fee. I think. Um, I don't think that one was a late fee. What is it? I think it was a time that... 50 bucks.

Oh, yeah. What we doing? No, that wasn't... What was it? Almost $300 of interest. What was it? The 50, I think it was... Was it cash in vans?

No, no, nothing like that. I think it was that the account that it was connected to, my bank account had changed routing. And it wasn't... So it was. It was a balance fee. It was a return fee. Yeah, it was a return fee. That's as well.

Yeah. I made the thing. So the bank account changed your routing? Yeah, they changed the routing. They updated the routing. I don't use a base regular like bank. for my checking. Why? Because we needed a business account.

I liked my business checking. There's regular. She has Lili account or whatever business account. It separates the expenses and stuff for work and then what's non-business expenses. So you could separate. But you can do that regardless. Okay.

I don't know any other one. Well, that does some more, I guess, automatic for you, which sounds nice. But look how if this is it, a 27.24% interest rate of death. Yeah. Listen, you guys can use the FISCard, debit card that builds credit. I'll do that. That's for people who aren't credit card people and still builds credit.

Also, I mean, as you're getting to this, maybe we can get you, let's get you the accounting certification as well. Since you're going into billing and all that shit, let's get you an accounting certification to course careers, help you land that job. A lot of people in the audience have done that, and they've landed a good job. So let me get that to you for free. Best Buy! Let's go on with this card. Best Buy is our zero interest card. and uh...

I have interest being charged but okay yeah and uh yeah yeah so we purchased new phones

were not used they were used phones her phone completely died on her and mine was all cracked up and to get the screen replay is going to be like almost 400 bucks

okay so no insurance okay gotcha yeah yeah our phones were paid off for a couple years already so we ended great but what the what the fucking of funds did you get

we got the balance of 2,533 $6.35. I mean, that's No, that's a mix of other purchases. Okay, so there's more than just phones on here. Yes, it was. We have a balance still from the TV that we got when we first opened up that card. The TV that we got.

It was a Sony TV. You got a Jim Matt here too, at Best Buy. Jim Matt with, I had purchased a treadmill, but I didn't, we ended up canceling it. She found a cheaper one on Amazon. Uh-huh. 17 years to pay this one off. 17 years to pay this one off. Yeah, if you pay the one off.

Yeah, no, we're on top of paying off before the interest. Yeah, sure. That's why we literally only made the minimum fee payment and interest accrued. Shut the fuck up. What are you talking about? I have your statements in front of me. I have the numbers.

I don't want to hear it. That's some bullshit. I don't want to hear it. I don't want to hear it. Also, you must pay a, okay, so in about two weeks, one of the deferred interest things hits. In a couple months,

one hits, and then a few months, another one hits. And then about a full year or so, a year and a half, is another balance, and that's 1,665. For that deferred interest to hit. I mean, you're having interest charging, because you are still just getting, we have regular purchase. It's only a balance of like 3597, but it is accruing interest.

I wasn't even aware of that. Well, it's there. I thought you're the one that looked. I do. I didn't. You'd see interest Korean. I literally

I found it in like a half a second. Yeah. We were on top of always trying to pay it off. You're not. You are not. You keep saying that.

Keep saying that to feel good, but you're literally not. You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost.

Or you could book a stay with Hilton. Welcome to your ocean front room. Just step. from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises.

It matters where you stay. Hilton, for the stay. What is this? I have a... It's K. Kay. Jewelers. Tell me.

Her wedding band and that stuff I bought over there. He actually went to K? Mm-hmm. We've always... He got my first engagement ring there. Okay. First? Yeah.

So first engagement, we went to get the wedding band that wing. First engagement? How many engagements did you guys go through? No, just one. It was just one ring. The ring that we went to get the wedding band for it, the one that I had had a lot of curves, and they had discontinued the line two years later.

Yeah, so then we had to replace that one to get the new ring with the wedding band. Honestly, no, I don't give a $53 minimum fee payment, $52. We have a bounce of $1,466.9. Fees, $48 to $67. The debits of $130 and $12. What's happening? Yeah, that one was a f*** up month. Yeah, same thing.

Oh, yeah, just a odd stuff month that certainly never happens. It didn't happen on the other card earlier in the year. No, that was with K itself. Tell me, what's fucked up from K? So that is, we had always had purchases and stuff from them before, and we've never missed the payment. And that month, that month, we did not miss the payment. They ended up charging an account, an old account that we had on there. Why is everything outside of your own hands? That doesn't make sense. They wouldn't just pick a random account. Well, we don't know.

No, they just got like, hmm, what account do I pick from today to charge? That's not how this works. But that's the thing. We've only ever had one account on there for the last year. And they charged the account and they said that it bounced back. And we don't understand why. Because you didn't have enough in there. We made the payments the day that we got paid. So how do we need not have it in there. Your payment, your pay may have not hit. We make the pay, no, the pay hits at 8 o'clock in the morning. I make all the payments at 5 o'clock.

You can say that as much as you like that did not happen. It did not work like that. It bounced. It bounced because you did not have the money. Are you saying between paychecks, we literally go down to like $5? Yeah. That's, you guys make way too strong of an income. What are we doing?

Where she, so I've been telling her to. What was it just the engagement? I mean, you brought watches for the entire family? No, yeah, well, I bought myself a watch for, it was like Christmas time, and I had gotten my dad a birthday gift as well. His dad's birthday is the day before Christmas Eve. Yeah. Why are we buying watches for people when you can't afford to survive and you're not even making minimum fee payments on time? And a matching necklace, I guess, yeah.

For her ring, yeah. Uh-huh, great. Yeah. Well, why do we think we're allowed to do that? I was inside never really buy anything and when I do buy Oh fuck you What are we doing?

Never buy anything You guys have spent You spent What are you talking about 3,500 over what you make Never buy anything What are you talking about Does you never buy anything?

No Hey does you never buy anything? Not really What? How possibly? We've given up a lot of things It's having the kids We haven't

That doesn't make sense I feel like you guys don't understand Maybe you don't do The endless micro purchases that like, you know, death of a thousand cuts. You do massive purchases. A few.

Yeah. And that was, that was definitely. They're still buying things. 100%. But it was like, it was once a year kind of thing. And yeah,

it's dumb, but we went and we, I wanted it, I wanted a 300-hour watch. It was. I wanted a 300-hour watch. That's more important than the family. I had,

so the way I kind of saw it, I was like, I just, I got her a ring. I had purchased her, ring with the wedding band, I got her the necklace and everything else. And I was like, if I can buy all that to get her what she needed, what she wanted, I can't give myself a $300 watch, you know.

I know it's a cope, but as someone that works 50 plus hours a week, I thought, you know, it's a. Why don't you have to work 50 hours a week? Because you have horrible debt minimum payment payments to pay on. So really you're just working in order to work more. That's what you're doing when you go spend all the bullshit. We're the Hartford. Decades of experience insuring millions of unique small businesses.

When it comes to your small business insurance. Thank you. One size, absolutely, does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Like, what the fuck? Yeah, we kind of splurged. Yeah, we splurged at that time of year. Yeah, return payments.

Yeah. Turn check. It's stupid. What are we doing? It happened twice. And the fee? Yeah, they charged a fee of the, interest after because supposedly they were charging a fee on top every single month,

which I was not aware of. I don't have access to that account. He does. So I wasn't aware. Got the babies matching bracelets too. What are we doing? Did you just, I never spend money. That was offered.

Look at all the stupid things we're talking about that you've done. Also, fuck you. What the fuck is? What? Hold on. Okay, this is not the first time this year. No, that was all last year. That was all de-seventh.

No, no. The fees was not one time this year. This $48 a fee this last month. It's been $276 this year. What? That's the... Oh, my, guys, you have no idea what it's going on. You're the one that's in here, you say.

Yes, but I don't have access to that account. He does. He's the one that has access to that account. Why don't you request if we're budgeting and we're trying to be in a little situation? He doesn't remember the passwords or he doesn't give it. How do you get this then? Because you got it to us? He sent it to me.

He screenshot it to me. So he's able to get in. Exactly. So that means you can sit down and look with him on a monthly basis. Okay. What the fuck is wrong with you guys? Almost $300 in fees, bounce checked fees this year? No, it's not.

It's not. It's not for the bounce check. It says it on there. It's like they charge a $15 monthly thing. I think it's for the insurance for something for the rings and all that. Yeah, I was going to say there's no way that's a fee. But at the time of this month, well, this was the seventh month. Okay, seven times 15.

Guys, that gets us to $10. Again, you had almost $300 of fees. Fuck you. That is not mathing. Yeah, that doesn't make any sense. I have no idea. So because you're not willing to send her a screenshot over your entire family? No, I think there might have been a late payment on there one time. Why?

Yeah. Huh? Why? No. Why? Would be the answer that you should ask to the question I just asked. Try and pay for everything, but I was the one budgeting. I was budgeting.

I was spending money going out to eat. I saw that in the overall breakdown. I know. I was budgeting everything, but I made the payment after like 8 o'clock at night that day. And they see it as late. But if we're talking about what hour we're making payments, you guys are f***ed. Damn. What? And you have no idea.

One late fee and one bounce check fee would, again, now bring us to 300 from the 100. We're talking at least maybe two good months on time. No. Yes. To make this math work, you what do you mean? What are you knowing? Go ahead. What evidence may you suggest?

We'll have to look through the statements and see what those charges are, but it's not miss payments consistently. We make the payments on time. Well, buddy, $300. Miss payment is typically a fee of about $30. You had $100 to monthly maintenance insurance fee or whatever. Mm-hmm. Please explain where the other 200 came from, you tit.

I would not be able to know since I do not have access. And why not give her access? I can give it to her. I can give it to her. Sure you can. Why haven't you? You tit. Because that account to log in, you'd ask for a code every single time, I'm sure.

Good. Why not give it to her? I can give it to you. It's not an issue. Okay. Then why haven't you? She asked for it. Oh, I can.

I can. I can. That's not a fucking answer. You haven't. Well, I have to send it to her. Yes, you'll have to. I'm asking why you haven't. I don't know why haven't.

Boll sh- Why hasn't he? I don't know. I haven't. What the fucking bullshit? Purchase anything on that. You can't accept doing something bad or wrong in your life once. You have no ability for self-reflection.

I'm working on it. That's why I'm here, right? Ding, ding, ding. Well done. Yeah, it's a good way to get out of some pushback, isn't it? I'm working on it. Are you fucking? I don't see it.

If you're working on it, I don't see any kind of indication that you're working on it. Fuck off. What a cope to get out of some pushback. I agree. I see. What's happening over that right now? He's shutting down. I know.

Why is he such a little p-a-assie-ass-ass-ass-p. Usually when he's told by someone else besides me that he's wrong. Does he listen to you? He's not even giving you access to the account that you've requested access to multiple times. I repeat myself a lot. Uh-huh, so I don't think he even listens to you either. Yeah, sometimes. What's going on?

Why is he being a little cuck right now? I think he's just nervous. Just nervous. Why he's so nervous? Nothing. You're being called on your bull, You can't actually make a valid excuse this time? Not that you have.

No. I know we're wrong and what we're working on. Where? You're not giving her access. Where? Yes. I can give it to her. It's not an issue.

I know you can. You could have. It's the fact that you did it after she's been requesting. Well, you will get it to me, right? I will give it to you. Okay. What? No, the fees.

I just want to do. Yeah, it's f***ed. Yeah. Not letting her see shit? What are we doing? That one's Home Depot. For some reason, I wouldn't let me. This is the Home Depot.

Yeah. Great. $1,426. What's the minimum fee payment? It's 30. When does the deferred, is it deferred interest or just interest free? No, deferred. It was, um...

And when does the deferred end? The deferred ends in February. Oh. Yeah. Oh! Oh! When did you tell her about this? the day of yeah day of

and what was your reaction what happened I was yeah tell me how to how to go down tell me I mean I was really stressed out being with the kids by myself not knowing why he left the house and no he didn't tell me that he was leaving

because I was too busy with the kids at least he wasn't busting flaps and busting plywood exactly no thank God for that but yeah no I I was mad but You know, I told him we should have waited until we had the money, at least the next month,

we could have separated the money together to pay for those items. And he probably said, oh, we need it. They need this sweet. He was with his mom. So his mom kind of convinces him to do some things sometimes. A little beta boy? She's an impulse buyer. No, she's an impulse buyer.

Great, I'm glad she is. This is your debt. I don't go about her. No, beta boy? No, my father was already spent a bunch of money to make this place for us, the efficiency and all that. So I did that. Is your parents play? place? Yeah, it's an efficiency.

Yeah, in their own. And efficiency in their house. Yeah, the garage. They converted it. We're enclosing the garage, yeah. Oh, fuck. Okay, I don't think I picked that up at the beginning. Not loving your AT&T or T mobile bill? Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T mobile bill to Verizon and we'll give you a better deal. So get away from that unfortunate phone bill and get to Verizon. Run, ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T mobile bill to a Verizon store today and we'll give you a better deal on the best network.

A better deal. No surprises. That's Verizon. Best network based on route metrics, best overall mobile network performance U.S. second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions, and restrictions apply. Okay. I mean, you're still not getting any kind of equity position of this. Why are you spending money? It's so weird. So I wanted to get it done. And the way I see it is I'm helping my parents as well.

Yeah, but you can't even help your own family. Because we're going to be saving on rent. So instead of paying the $2,200 a month we were paying in rent, we're going to be paying 700. So, you know, it's saving money at the end of the day, but I didn't like the fact that he used a card instead of us trying to work it out the two weeks later when we got paid to work it out from our paycheck. You guys fall back on them often, parents from either side? No, this was more, we were talking, like I said, my mom works in this field. And so why am I being told they've relied on your parents for like every fallback housing option. Every time they've needed

money, they crash a mom and dads. Mostly. Yes. Why did you just say no? When we moved from... That's where I can't get answers from people in this conversation. It wasn't for the producers. I would just believe people. No, no.

So this time we moved because my mom works in this field and she saw what's happening and saw... So because he's going into nursing, starting in January, and his income was going to be cut in half. And I don't have a morning client. We weren't going to be able to afford rent and the new car payments and everything else that we had to make. You know, everything else we had to pay for. So we had to cut back on rent. And his parents offered for us to stay with him until he finishes his program. They help us and we help them in a sense because the room gets done.

They'll have something to rent out after we move out so they can. Okay, yeah, sure. Great. Let's invest in them when we can't afford to survive instead of investing our own family. That's smart. $356.62 is needed on a minimum monthly basis in order to pay this off. Okay, understandable. But the thing is, so it makes more sense to go pay rent somewhere else, pay triple the amount.

Not saying that, I didn't say you could move in, but you're paying for help and renovations. Yeah, and we'll have it paid off. It's not an issue. How? You overspent last month? Okay. And now we have less expenses. But the amount you overspent was more than the rent you saved by far.

Okay. And then this month we have, we won't have those payments to make. Uh-huh. And we don't have to buy more materials. It's already done. Uh-huh. I don't think he understands. I think he just has to be right.

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Hammer financial score and see where you stand in the world of finances. Take the assessment at Calebhammer.com. You will not regret any of these change your life today. Some arguments go like that with him Yeah, shocker Would have thought You're not a very productive conversational person, are you? He's gotten better I see, that's what I feel like I keep hearing

In this conversation is things have gotten better And then every indication is, uh, no, they have not When I actually look at evidence No I've actually told him that You should, after we leave here He has to start giving me his credit cards And

He said okay Yes Okay Yes Good Does anyone ever cheated on each other here? No No

We've never cheated on each other Okay That's good The fact that you go behind each other's backs constantly It's such an interesting Yeah Very interesting Capital one quote

Well what's the deferred interest That's actually What's the interest rate that is accruing In the back end on the Home Depot Um I think that one said Did it be 27%? Fuck me.

Okay. Quick Silver, what's going on with this? That one is mine, I believe. Doing what? What's going on? Really? I don't remember. $1,026.

is owed with a minimum fee payment of $36. You're purchasing $84.51 while $26,055 cents of interest occurring. Why are we purchasing our credit card that we can't pull off that is a green interest? Why possibly? Hey, you're the one managing finances.

Why the f-possibly? Yeah, I think. Seven years to pay off, by the way. I think I used that card to cover our daughter's formula because she goes... Oh, my goodness. Are we fucking kidding me right now? We're using a credit card to pay for formula when you're saying, oh, we can pay off the home Depot before the accrued interest hits.

Shut the fuck up. Not a thousand dollars. You have no idea what you're talking about, dude. You don't know the numbers. She had to use a fucking credit card to pay for baby. formula where you're going out and renovating someone else's house. Well done. What a joke.

It's not $1,200 of formula there. Exactly. That's what I'm saying. She had to use the credit card for literally just like 30 bucks. That's even worse, you f- You f***. That's even worse. If it was $1,000, yeah, maybe she would have to use a credit card. She only had to use it for $30 because you're out blowing money on someone else's property,

you fuck. What a cope. You're the master coper. What the fuck is that? Why did you feel like you had to spend this on a credit card? I didn't have any more in the budget. I've been trying to budget it in with the groceries. What is wrong with you?

You creature? You hear that? She has to go spend a credit card on baby formula. What are we doing? This is another point that we disagree on. I've told her for a while. Yes, we disagree that the kid should eat. No, not that.

I'm saying, I'm pushing back. I'm trying to explain. So basically, I've been telling her, hey, instead of paying off putting all our money because we're paying a bunch towards credit cards every month. No, by the way. No, but okay, sure, go ahead. Let's pay the minimums. We'll save money, create a small little emergency fund and then tackle the debt. And that way we, when that happens, when we, let's say if something comes up, we go over budget, we have some money for those things.

You guys aren't putting a lot on the credit cards anyway. And the credit cards are accruing fees and interest in bullshit. It's not even making differences. The fuck what we're talking about. Second of all, dude, she had to put $30 a formula on here because you're going into the... $55. $55. $55.

$55 a formula because you wanted to go renovate someone else's house. That's... Yes. Yes. That took money away. Now you guys have to make a required $356 minimum monthly payment from your checking account to the Home Depot card so that it does not have back-accrued interest hit in February. Meaning when she has to go get $55 baby formula, that money no longer exists because

of your Home Depot ass mother-f-fif. dumb decisions. True. Wow. Oh my goodness. A breakthrough. An absolute breakthrough. What a joke.

36 minimum monthly payment on here, balance 1026.53. Apple bill, Apple bill, Apple bill. An animal registry. This wasn't baby a formula. Oh, the animal registry, they returned back. This wasn't baby formula. I thought it was.

Apple bill, Apple bill. This wasn't even baby for me. What are you talking about? What are you getting? I know one of them is the Crunchyroll. One of them is... You, Crunchy Roll! Why do you think you're allowed to have Crunchy Roll right now?

It's the only thing we like to watch. I don't give a fuck. YouTube's free. I don't care. Not the same. It's not Crunchy Roll. You're right. It's YouTube, but it is free.

That's the biggest thing that makes it not the same. Yeah. You can't afford to live. I don't give a fuck. Open your phone right now. Crunchy Roll. Wishing you could be there live for the big game, soaking up the atmosphere of the crowd.

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ICloud Plus, Kiki World Premium, and Olive Holistic Food Scanner. And we've had a lot of subscriptions that we've canceled recently, including Hair AI that just expired. Pock Pock. Sweepie, home cleaning service. Oh, fuck you. No, we weren't paying. No, that sweepie was in a home cleaning service. It's an app for tasks around the house.

You were paying for that? I paid $7. paid for a lot. Anything else, that pock, pock and cake is for my kids. Great. They are going to grow up in literally the grandparents' house because their parents can afford to take care of them. So let's get them apps. Delivered this month, a nice eight-d drawer dresser, 55-inch.

You guys, what are we doing on Amazon? We needed a new dresser. I'm good with that fucking squeeze the tits. We got to do it. Baby's got to eat. I'm vibing. Fliber the dresser. The dresser.

some racks and some clotheshangers. You're trying to just, we're scrapping right now. We're scrapping. If you can't afford to live, we're scrapping. Like, we're not investing in furniture into this place that we're not going to be in long term probably. Baby Sun Hat, that's fine. Liquid hand soap refill.

Yeah, hand soap refill is a good way to do it. Body measuring tape. Okay, listen, you were pregnant, so you were fat. Get over it. No, that was recent. That was recent. I was doing a nutrition program to lose the rest of the baby weight. Is it healthy to be tracking the circumference?

I had to measure for my trainer to measure my arms and everything. Your trainer can I manage you? Huh? Your trainer couldn't measure you? It wasn't in person. It's online. Hey, aye, aye. Yeah. I tried to find the cheapest one.

When we moved, I couldn't find them. It's not the worst. Dish drying rack, vitamins, hairbrush, hair mask, hair dryer. Yeah, that was stuff for my hair.

No, I have never. I haven't bought my own hair dryer, before. And I have very curly hair, so. What the fuck are you doing before? Well, the dressers, the bull- yeah, well, we needed the dresser. The dresser that we had, we've had for the last seven years. Yeah, but why invest in

furniture in this place? It doesn't make sense. Get a fucking rack and get hangers. Because it's ones we're going to keep. We've never... We don't know. You don't know what your living situation is going to look like after this. You do not know that. You do not know that. I don't plan on changing anything. You do not know that. You don't know what the layout of the next place

is going to be like. That's impossible. to say. You might want to keep it but you don't know. Well, I'd like it. And you're out there paying for Pokemon Go Raid passes and Pokemon. That was So I was... Did you recently got back into?

Yeah. Great. That's what we need to live. When we went back to Disney to entertain our kids and the lines. I downloaded it and then I got hooked again and played a little bit. And I used to play, I used to do it. I used to do So in the mornings when I would wait for my client, I'd go walk and get steps and I would play. And it was dumb.

Yeah. And you're getting back into it? No, I stopped already. What? Yeah. I bipped him out about it a couple of times until he stopped. Yeah. Yeah.

I told him you better lock that card right now so you don't get charged anything. By the way, quicks over late fee this year, 100% of late fee. Great. Not even a question asked. So that's three of the credit cards we've looked at so far. Yeah, you guys are great. Come on. You set yourself up as darn doing better. Everything's so good. Last six months. Blah, blah, blah, blah, blah. Fuck you. Fuck you. I have the statement. Shut the fuck up. You're not going to lie your way through this. That's not what's going to make your finances better by pretending your finances are good when they're not.

Shut up. Interest is here at 300. We're at 30% interest, right? And everything else, are you moving at all? Are we selling everything? Are we getting storage units? Are we moving everything into the garage? How are we doing this? We have stuff in storage currently. The storage unit? Yeah. So we're paying for a storage unit. Yes. Why not just... How long are you going to be at the parents' house?

That you're investing in. It's not furniture and stuff that we have. What is it? It's all of our, like, extra clothes and stuff that we can't fit in the storage unit. Yeah, we just finished the room. So we just finished the room and we have a lot of our kids stuff in the storage unit because we don't have enough space in the house for it. And get rid of it. It's, um...

I can't even remember now. What kind of consumerism bullshit says? Get rid of it. If you're not going to have it in your house for them. to even enjoy, get rid of it. Yeah. Exactly. Yeah, but we just finished,

since we just finished, excuse me, since we just finished the room where we just took out all the main stuff, like our clothes and stuff starting to put it away, and we're planning on to empty it out

this month so we can get rid of it. You better, what does it cost? 79. Oh, fuck you guys just don't have that flexibility. $26 in this cash app account. Yeah. Wing Dixie Company. That's the grocery store.

Okay. What are you doing and getting an $8? from the grocery store. I know that's bull-of-hs-all always is. It never. No one goes to the grocery store in the United States of America

and drive-able infrastructure and picks up $8 of groceries. What did you get? Holy shit. I don't remember. What you get in? No, every once in a while when I plan in and getting some bullshit.

No. There's no way. I don't believe it. No one does the European way. So the way I plan out with groceries is sometimes when my client calls off, I go and do grocery. I do like, I figure out what I'm going to cook

that same day. I go and buy pasta. the pasta and the sauce. I hope so. I'll take your word for it. Everything is convenient there. We cook a bunch. I try not to buy like a certain groceries.

Personality.co. I was trying to figure. That was something before we applied for this show. It's trying to figure out what I wanted to do for work. Dairy Queen. Yeah. And PDQ Naples, $5.44 cents. Yeah, that was food and that was a meal for my son.

Every once in a while, we'd have to take him to work with me. So I'd have to get him something to eat. Oh, Hyundai Santa. Yeah, that's a Santa Fe. Santa Fe. Fuck. Yep. It's a 7.5% interest rate, guys.

It's not great. No. Great, but we have to get a brand new car. Or else every car is shit. We definitely can't get looked at by any kind of mechanics at all, ever. This isn't a $53,725, and we'd rather live with our car. parents and get a car that we That was with a carryover

This is ridiculous This is insane Minimum monthly payment of 857 hours and 755 cents Is disgusting And this is for one of the cars What in the America Are you guys?

This is insane This is fucking crazy We couldn't fit our kids And Elantra he had So come on So we had to get a $60,000 in our car, I don't want to f*** in here. You can fit people in cars that aren't $60,000.

What's it worth? I think I looked recently. It's only worth like 30 with the miles I have. It's worth 30. You're underwater by half. This is one of the worst equity positions I've ever seen in a car. What the fuck are you guys? You can't get rid of this.

There's something you can borrow to make the difference make sense. This is insane. This is disgusting. This is insane. A $53,725. And you guys are cutting your income in half. You're going to be like a $5,000 household here in a second? Good luck!

Literally a fifth of your income is going to go to a Santa fucking Faye? Mm-hmm. ...of interest. Mm-hmm. That it's worth almost half. Oh, my fucking kill me. This is insane. When did you get this?

When possibly? April. April. Or March. Because she doesn't believe in use cars. Yeah, but why a 60? It was the carryover from the trade-in. How much?

It was a $15,000 carryover. The Honda-A-Lontro, we couldn't fit the two kids. You used to have a 4-F-150, 0% interest, but you made them trade it in because you couldn't climb into it. When I was pregnant, yeah. I couldn't climb into the truck. There was no other transportation options. We were only driving one car.

Oh, my. get her a ladder, a stepstool. No, seriously, a stepstool, I don't care. I offered everything, and it was consistently always fighting. We don't trade in a 0% interest rate car that we can maybe afford for something we're absolutely insane. I can defend him on that. He did fight me on that a lot.

I was the one that place. Yes, and he should have. You were being ridiculous. You were getting pregnant brain. And I kept fighting, and it was consistently every day. I got him from work. I can't with this car. This car is going to be insane.

I can't. The kids in the back. And it was every single time. It was all 24-7. 24-7 until I got her the car that she wanted. This is insane. This is insane. That's my car, so I don't know.

That's on my credit. This is one of the most insane cars I've seen in a long time. Yeah. I'm agreed. Why are you guys doing this? And then your lease is another $876 hours a month? What have you guys done? It was too.

So that car that be trained. So the 0% interest 4 that I traded in, I got her a palisade. How long's your lease? Four years. And you drive a lot? Do you go over the miles? Are you projected to go over the miles? No, we'll be good.

We got $12,000 a year. Since he's going to be in nursing, he's going to be close by. If you're okay with $12,000 a year, you could have got another fucking car that would have lasted years. It wasn't going to cost more? A regular car. What are you doing? What are you going to do when the lease is done? What's your plan?

What's your big plan? guys because you guys are so how long into the lease are you uh we just started a couple of july we started july oh you're having this for us 176 any one cents a month for four more years 857 dollars and 755 cents plus 876 dollars and 91 cents we're talking 1,734 and 66 cents when you make 5,000 hours a month coming up here if you're lucky Oh, that's yours. Depreciating assets. And that's not even true because guess what, guys, that lease isn't sticking around. You're going to have to buy it at the end or get another one.

Yeah. So when we, so I traded in that 0% interest Ford and I got her the Palisade. And then that car she had from 2021. Yeah, I had that car from 2021. We were sharing it for a year and a half driving him to work. And then I was working doing Amazon DoorDash and everything while I was pregnant. And what's nursing school going to cost? It's going to be 36,000.

It's 19, well, 16 months starting in January. Student loans. Student loans. Yeah. This is ridiculous. You guys have fucked it. This was so, so correctable until we got to the cars. And now we're, now we're.

And my palisade was causing issues. As soon as we hit the 100,000 on it, this past April, found out with multiple mechanics that the motor was giving out. So I had to get rid of the car. Yeah. Our mechanic told us, he's like, yeah, I recommend you get out of this car before it blows up on you. And then you have a payment and no car. Checking it out. $292.

That's here. People making six figures is fucking insane. What? No, that's his. Yeah. Zell, cash app. That's sending it to her, yeah. To make the payments on her.

What are you getting a target for 26 bucks? Target's unknown. It could be bullshit. It would be good. I don't know. Probably some fruit or something. Yeah. Or whatever.

Uber eats! Uber eats! Cash app, Zell, Crunch 6. Crunch Fitness, the gym. Five bucks? That's all it is? You got something at crunch. Yeah, it got a little drinking.

Protein or pre-workout or something like that. Pre-workout? Dude, that doesn't make any sense. This is so fucking expensive per serving. Again, again, I advocate for them super hard. I will get you literally free samples of GamerSups. You scoop that into the shaker. Shake it up that is 20.

Gamer subs. Not Gamer Cubs. I have a different one. Okay, well, do Gamer Subs. It's literally 25 cents per serving. I'll get you a 10% discount or something like that. Or free samples. link in the description below.

Instead of these $5 energy drinks or pre-workout, do this taste so good? This is my afternoon. We're filming this in the morning, so I'm drinking coffee. This is my afternoon energy. It's so good. 25 cents poor service.

Per serving. Instead of your stupid $5 thing, this makes no sense, guys. It makes no sense. Again, we got 10% off even. It's already even better. So 10% you're saving from the 25%. sense. Like what the f f f f you doing?

This is so stupid. There's so many options out there instead of stopping in getting your shit. Spacebox, pizza, cash app, spacebox, McDonald's Subway. The McDonald's Subway. And Trump Trumpo Enkanta, Pollo and Kanta, Starbucks,

Burger King, Amazon, McDonald's. Prima water? Prima water? You're going to get in fucking water things? Yeah, we fill up the gallons that we have since we live well with the well water we can't drink with the water, yeah. Zell, Zell, pre-workout or energy drink

probably. There's the storage. The storage hits like every other day? Yeah, I don't freaking know. I even know to Starbucks, Starbucks, Amazon, Bulls, Ross, Amazon Zelen, Zooli's header, Zellin, cash app, cash up, cash up, fresh bow, ATM cash, which are $200, who knows where the fuck that one. Cash app $132. This is crazy.

That's the pay for daycare. This is crazy. Okay, that's fine. But that's crazy. Look at that. That's insane. That is insane. What are we doing?

And again, the $5 purchases, it makes no sense, dude. Just use my link for the fucking gamer subs. Please, I promise it's so delicious. Listen, I'm a fat, so I got good taste. It's so good. And it's the same. It's the same. So much more affordable and it's so fucking.

Use code Caleb. Lily. So is this a you? that's the bank that I have. Boyo Tropical, crime, Amazon Prime Video, McDonald's, Wendy's,

some bullshoulds, some bullshit, just coffee, Prime Video, we're renting or buying all the time on Prime Video. Some bullshit for groceries, hard to say,

Disney Plus, McDonald's, hair by Taylor, $335. That was my hair. $335. I wanted to get my hair done. I hadn't had my hair done

in three years. Well, it's the only thing I wanted after having a movie. You're more than you were probably three years ago, so I don't know if we're doing that. I'm sorry. I mean, get your hair did, but like, I don't know if we're going all out at that point.

Pepper burrito, Instacart subscription. Fuck you, go to the grocery store. Sent hound. Yeah, no, I got that money back. Who are you trying to goon up? Our dog, where we had to put him down. That's the reason why one of the credit cards were. That's very sad.

That was a subscription that we paid for monthly to get him to take a bath every week. So it was at a grooming salon over there. It's a chain that's in Florida. Uber eats. McDonald's. There's the subscription again. Amazon Prime. I think groceries.

There's the dark subscription, the fundangue and Uber Eats again. Yeah, the Fendango's the movies. This is fucking ridiculous, dude. $100 in this account of these savings to save our fucking life. Yeah. There's more water. This is insane, guys.

Like, what are we doing? Your bullshit spending was off the charts. We can't even afford life. Your minimum monthly payments on debts alone is $2,383. So half our income that's about to be during school. And that's, hey, you're actually going to be borrowing more. That's going to be great. $2,383.99.

Good the fuck. Your new rent, was $800 you said, I think? $7.700. Or do you have to pay utilities to internet or anything? No. Okay, 700. Very good. Income, it's going to be about $5,000.

That's what I'm putting in right. Isn't that what we're projecting? It's about $60. It'll be 64. 64. Nats? Yes. Good.

And that's if... That's if she doesn't drop her client. That's while he's waiting for his second client to get through the process. So they'll probably won't be for another... Phone bill? We have... We have U.S. Mobile, so we pay annual. Okay, that's pretty good.

That's similar to helium, which we like. I compare it. US mobile was cheaper. Yeah, it was like $300 for the whole year. Helium, you can get a zero-dollar plan, so I don't know if that's true. Oh. Gotcha. limited, yeah.

Transportation gas. Boom, boom, from drive, drive. We drive a lot. Yes. It's a... 400 a month for me. And then... Yep.

I told you we drive a lot. And then how much? And then it's 150, no, 300 a month for me. 700. That's going to fuck us. And car insurances? It's going to be 3.20 a month starting... Since we just moved, it changed.

Necessary food. How does the food work in the house living with the parents? His parents normally cook a lot, but because I still need to get baby food for the baby because she can't have solid fish. I'll let you contribute 500 to the overall pile. I don't think you need to do that much, but we'll see. I always do more than that.

Well, don't. It doesn't sound like you need to. Well, because I still cook and stuff for my kids because they don't cook very healthy. They cook a lot of greasy stuff. So 700, can I get you to seven? I normally do. You normally, but I don't give a what you normally do.

Yeah, it's $700. Because if they're still cooking, we're going to take advantage of that. Not in a bad way. But KTP if you find anything else you know, to survive, we should be able to do about 250, 250. Now, daycare, how much? Daycare is 530 a month.

Okay, 530. Gotcha. We have our son's aftercare program. That's 309 a month. Okay, 309, that's, okay. Medical health care, is there anything co-pays on a monthly basis? No. Good. Jim, how much? And trainings, all that stuff?

So, one... I say 200 for him. Including your training? I'm not doing it anymore 200? Kill me now I know we just lost a dog Very sad, very sorry Do you have any more pets?

No Okay, so no pet food, no pet insurance And I wouldn't get one again yet Oh no, he costs a lot He had a really bad skin allergy So I was paying 130 for this food We can get a pet again at some point But just not now

Subscriptions, let's say $30 Yeah Anything else that needs to be in your budget That I have not taken account? My student loans For some reason they weren't there Yeah How much?

6300. What's your minimum fee payment? My minimum is 43, but I always pay 50. 43. Yeah, 4351. Add 43 to the debt payment, plus 700, plus 700, plus 320, plus 700, plus 250, plus $5.30. Yeah, how much?

23.58? Plus 23.58. $6,189. $0.57 to survive. This massive income drop, we're only going to have $210.10.43. That means with your debt, including if we buy out the car,

including the new student loans, including your student loans, which will be added, what did you say? Like $16,000? How much did you say? It's 36, but it, like, so another reason why we came on the show

and stuff. It works through Ed Financial, so it's kind of, It's probably not, it's going to be deferred, I'm sure. It will, but that will bring you guys to a total of $147,215.75 of debt. That's if I go to school right in January. I haven't signed up yet. I'm not necessarily against school.

It's just like, I don't know. But all I'm saying is that takes 699 months to pay off. Yeah. It takes 60 years to pay off. Honestly, what I would do, I'm already to get out of this, Fonda, because this is what's going to kill you. Couple options.

Yeah, maybe we delay school and you guys do everything in your power to keep up the six-figure income. Beat down this debt as quick as you can, then go to school and change careers and all that stuff. You just got to beat, beat, beat, beat, beat, and hustle, hustle, hustle, grind. That's what I would rather you do.

And I think with that, bringing in the $10,000 net, you can pay this off and, you know, at that point, probably a couple years. And then we go back to school, and that would be fine. or we go through bankruptcy and also lose the car. No, we've done debt consolidation before. Well, that doesn't work. You have to change anything like that.

You have to change your behavior for multiple months. I think we're putting off school. I think we're even putting off switching your career path. You're working your ass off. You're working more than you've ever worked in your life. And you're tackling the debt. And in a few years after you've paid off all the money, have a fully funded emergency fund,

which is six months of your living expenses regard to live. Then we can go do these things. And then you need to catch up in a retirement because I didn't see retirement. Yeah. We need to start contributing about 20%. Okay. So that is, I think, the grind from here. Okay.

All right, ladies and gentlemen, join us for an extra 20 minutes of the episode where we can't say in the main episode in the financial auto post show. Let's get to him financial score first. Bending in a budget. Zero out of ten. Debt score.

No collections, but... That car situation, 80 years to pay off your debtor, wherever 61 out of 10. Merchies fund, no savings, 0.10. Retirement, no retirement. Zero, 10. Real estate, nothing. Zero, zero, 10.

Hammer Financial score rounded up to 0.5 out of 10. Get yours at Calebhammer.com. And click that join button. Join Hammer Elite for three premium shows posted every single day, Monday through Friday. And we'll see you in the Financial Auto Post Show. Well, fuck me. Apparently there's more debt. Out of daycare to put them.

Kill me now. Mm-hmm. For my grandmother and then for my aunt. I need to die. That's insane. Disclusive members content. Click the link in the description or pin comment below and watch thousands. of hours of extra and uncensored content.

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