Financial Audit - Professional Redditor Treats His Wife Like A Pet | Financial Audit

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Starting point is 00:00:40 Save up to 40% your first year at lifelock.com slash Spotify. Terms apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I'm sorry, nine. I invest in lottery tickets. That is my retirement plan. Okay, well, that's the dumbest, retirement plan I've ever heard of my life. Savings and wise investments?

Starting point is 00:00:58 No. That's too slow. You're just a dumb f***. But if they win, if they win, you know, you've heard about the game. Stop.

Starting point is 00:01:04 Go ahead. What are our goals, guys? It's not work. That's literally the only goal. Apparently, we like living cushy lives. Lower your standard of living, you entitled, no, I will not do that.

Starting point is 00:01:16 Download my new simpler budget app today and take control of your money once and for all. Hi, my name is Tom. I'm 32. Hi, my name is Jane. I'm 32. We live in Austin. Austin, Texas.

Starting point is 00:01:29 And this is financial audit. Guys, thanks for coming into the studio. Let's start with you, Tom. What do you do here in Austin for a living? I am a software engineer. Ooh, that can be money. What are you making? It's complicated.

Starting point is 00:01:44 But with my base salary. Okay. Yeah, but with my base salary and, you know, bonus comes out to 220. Fri-me. Yeah. Dude, well done, man. Are you like in, how many have you been in this position or working your way up? So I went to college for a couple years.

Starting point is 00:02:05 Then I got to offer to a job. So I dropped out. So I started working as a full-time software engineer when I was 20 years old. Can you tell me why possibly it is the most high earning people that have the most debt? Mo money, more problems. Yeah, I guess. But also more choices that got you there because you have the ability to control it more than most with such. with such a strong income.

Starting point is 00:02:30 Okay, Jane, what do you do for a living? I'm a stay-at-home mom. Okay, so no earnings. But that's so great. $220,000. It's not even comparable. You're like almost triple the median household income in the United States. Oh, wait, forgot a big part of the income also.

Starting point is 00:02:44 Yeah, so I run a software agency also. Really? Yeah. So before taxes, I bring in about $2,000 a month extra. Okay. I don't do, it's pretty much. I don't actively write code, but do a lot of like architecture review type. Sure.

Starting point is 00:03:03 Okay. So what hits your account on a monthly basis through payroll? See, part of the problem is I don't really keep track of how much hits. General process is at the end of the month, you know, before all the bills are due, I pay all the bills. And then if the vibes are off, like, if the lines that they show on the little, think website, when you log in, go down or don't go down, then that's a problem. What lines? What lines are you looking at? The Amex,

Starting point is 00:03:31 I don't know, there are some graphs. Yeah. On the credit cards. Okay. Well, he doesn't believe in budgeting. Yeah, I don't believe in budgets, which is. Straight up, don't believe in budgeting yet.

Starting point is 00:03:44 You came on financial. A lot of curious choice. An equivalent statement would be, I believe the budget should be zero, which I think, which I take to mean that we should prioritize only purchasing the things we need. Sure.

Starting point is 00:03:56 I mean, yeah, that's, that's aspiration. but we don't we don't we don't so what the fuck's the point then uh well we're fixing it we're not fixing it what does everyone say they come on then they said i'm fact that well this is the first part of fix no i'm not a voodoo person i can't just create things and make it happen i'm not a magic bill i you know have the conversation do the wake-up call did you on a budget connect you with resources sure but his actions and the choices and the behavior is still you and if your belief in general is that budgets don't matter, then what the what I do? So my

Starting point is 00:04:29 main concern with budgets is that I can see how some people might interpret them as I have a $200 budget for Walmart or whatever it is. So I'm going to spend $200 and I'm not much of a spender. You might find evidence of the

Starting point is 00:04:46 contrary, but I believe a lot of the spending originates from not me. Okay. So what does that mean? Is that immediately pushing it towards to others. The wife. Not me.

Starting point is 00:04:58 Wait, how long have you guys been married? 2016. Oh, this is a while. Any kids? Yeah, and we were... You have two kids. You have two kids. Ages?

Starting point is 00:05:08 Yeah. Five years and 18 months. They're awesome. Five years. 18. It's already a year. Why don't you just say a year and like a half? Yeah, that's a big difference with him. One half year old than a one year.

Starting point is 00:05:20 Well, 19 months, I guess. Because she's... Okay. It matters. Sure. It matters. No, it matters more to me that he just said you spend all the money. Oh, okay.

Starting point is 00:05:31 I do do most of the daily spending. That's just true. What is your daily spending? Actually, what is her daily spending? He doesn't know. In your perspective. Well, so. We don't budget.

Starting point is 00:05:42 That's usually how we learn where the money goes. I found out last week that we had a credit card that had a balance. What do you mean you found out last week? So in the course of acquiring all the balance statements for for the show, there was a surprise. You didn't know. I knew the credit card existed, but I didn't know that had a balance. Why didn't he know? Well, it's her credit.

Starting point is 00:06:02 Yeah. Hours? So we're not doing things together. We're not planning. We don't conversate. We have merged. No. Hey, why didn't he know?

Starting point is 00:06:12 I think it was. I don't think that I was trying to avoid telling him. Maybe I was a little bit. But I was, I don't know. I don't have a really. I mean, I was embarrassed. I thought that I could fix it by myself. Fix it by yourself with zero dollars.

Starting point is 00:06:34 I mean, it doesn't make any sense. Yeah, but try to make it make it sense because you were, no, no, no, no, no, no, no, no, no. Uh-uh. Because you were trying to create some logic over there for this. So try to make it make sense because you thought about it. You sat. You put actions in place.

Starting point is 00:06:55 Go on. He sends me, or he used to send me $1,500 a month. Before marriage? No, no, no, no, no. He, in marriage, he would send me $1,500. Her allowance, yeah. Her allowance? What is she?

Starting point is 00:07:09 Just like a fucking child? A toy? Supposedly we have conversations. Oh, good job. You got $1,500 bucks. That's what it's there for. Okay. Okay.

Starting point is 00:07:24 So he used to send me $1,500 a month. And then we're like, we don't really have that to send over to you. So I'm sending you a thousand. But also, but that's still weird. But because we are in too much debt. And so he was a good chunk of that goes to $220 a week goes to child care. And that comes from my account. And I need that.

Starting point is 00:07:51 I need that. I need that. My account, his account, sending money, my childcare, his child care, his child. What the fuck are you on about? Why is it so separated? Well, it's- We only have one income source anyway, so why over-complicated it? This doesn't make sense. We just kept the accounts we had since we were in college and we got together in college.

Starting point is 00:08:10 Yeah, wonderful. And then you change it. Never opened a- Why? Why? I like having control of, of, okay, I like having no control over my own money. Huh? I like having control over my own money.

Starting point is 00:08:25 What money? You don't make money. Well, the allowance money. Allowing, because she's a toy. Okay. I'm not a toy. I'm not a toy. You need an allowance.

Starting point is 00:08:35 Why aren't you guys? Toys don't receive allowance. I also spend on the other thing, on the other card. I also spend on the other card in that I try to only spend. Wait, child care. I thought you're a stay-at-home mom. I am a stay-at-home mom. and Tom works a ton.

Starting point is 00:08:54 Uh-huh. And, um, which somehow means. And so I need, I need, I need a, gone.

Starting point is 00:09:01 So it means that I need a, a break sometimes. Oh, okay. So how much break do you take? Uh, twice a week for four hours. Um,

Starting point is 00:09:10 I, I do have a, a sitter come. And I do things that I can't do while watching the kids. Um, and the budget, it's fine. it would be if we

Starting point is 00:09:22 yeah I realize that so what this is what I'm confused the allowance thing I guess just maybe the word allowance just feels so weird to me because it's so

Starting point is 00:09:31 children I'll tell you where it's coming but but why aren't we literally just spending the money that would go into a joint account

Starting point is 00:09:45 and we decide where we're allowed to spend money by just talking about it and putting it on a spreadsheet not even doing the we will spend this much on fun or whatever this month, even though you can sit down and actually plan for the next month, but whatever.

Starting point is 00:10:00 That's the saying we're able to spend this much. Why is that not done? Why is it okay? Let's just throw off money over to my apparent wife. And then it's just a black hole that doesn't matter or exist anymore. Like that doesn't, I think it's counted for. The main concern is that I have not an issue, but a fear that I may be a contributor to financial abuse if I don't get to it.

Starting point is 00:10:27 That's a loaded word. Go ahead. Actually, like, I don't want to be accused of financially abusing my wife. You think you're going to get canceled by your wife? No, he just wants to have some. Our peers. What would you do? What was this?

Starting point is 00:10:40 What is this? I have autonomy over a small account. I get that, but I get that. A financial abuse. That is a loaded term. What the f f f f you think you would do? Not having, not allowing her to have access to, to money that we effectively both put in labor for. She, you know, watches children.

Starting point is 00:10:59 So, laundry. So I think that is just don't be a fucking asshole. Or you see a therapist or you have conversations. What, but are you saying you can't control yourself? I get, I don't know. It's just easier to say she's, if she wanted to leave, she has an opportunity to leave because she can be safe. saving this money. Leave.

Starting point is 00:11:23 Leave the marriage. Yeah. What are you doing? This is marriage. This isn't a marriage. This seems like such a, this is a friendship that has a little dittle, little.

Starting point is 00:11:32 No, no, no. It's just, just insurance. You pre-in-up. Insurance for her. I have autonomy over some of my own.

Starting point is 00:11:40 Autonomy. No, no, no. Why are you guys not deciding as a household where money can go? And then you can still, if we have a fun category, you can still spend whatever it is.

Starting point is 00:11:50 is in that fun category. You just put categories on things. Autonomous on what? What are you doing? I'm making bad choices. And because of that, if she only has access to whatever the cash I give her plus her credit card, that if she is the root cause of the spending, then it protects the other. Hey! Is this working?

Starting point is 00:12:17 No. Okay. So I don't give a fuck. Why are you defunders? Defending it. Maybe I'm going to know, no, no, no, no. Look, hey, guy, girl, look at the things I have in front of me. You're on the show.

Starting point is 00:12:29 If it was working, you wouldn't be here. Why defend this fucking method of insanity? That is objectively not, oh, go ahead. What's your little plan? We're eight years into marriage and so far as a complete fucking mess seven years now. So I invest in lottery tickets, not literal lottery tickets, even though I like to purchase literal lottery tickets. Why are you like with your words?

Starting point is 00:12:54 What are you saying? So I like to invest in startups. So I have some equity and some. How much? I can't tell you how much those companies are worth or you don't have to tell me the companies. Can't you tell me how much you invested? Oh, sure.

Starting point is 00:13:08 $40,000. Over the course of. Since I started. So 10. Started what? Software engineering. So 10 years or so. Great.

Starting point is 00:13:17 Maybe some of those. Which you probably shouldn't. do unless your retirement is substantial. Because now you're essentially waiting for an exit. Part of what I'm getting to is that that is my retirement plan. Okay, well, that's the dumbest retirement plan I've ever heard of my life. Sure. Yeah.

Starting point is 00:13:34 It's very high risk. But it's the one we got right now. No, there's another one. And then you borrowed against it. Savings and wise investments. No, that's too slow. Yeah. 10% of years slow.

Starting point is 00:13:47 50% over the last two years is slow. I'm kind of happy with the 50% increase in my money. I'm sure that's more than you got. What numbers are you saying you're saying if I invest 10% of my income? The S&P 500 over the last two years had a combined 50% growth. Oh, sure. If you want to cherry pick the most recent. Oh, you know, the time that it is right now.

Starting point is 00:14:07 Instead of choosing years or 50 years ago. You won't be saying those quotes. No, you're right. In the bear market, I'll be thrilled. I'll be fucking nutting everywhere, investing like crazy because I love a bear market more than any market because that means I get the money in capital yeah sure which you do I don't get what point you're trying to make as you will find out no we do not no you do not you have the capital but you put 40,000 hours into startups but required expenses and if any of those

Starting point is 00:14:37 you don't get access to it until liquidity events how many are still around that you got in both of them are still oh it's only two so it's not even diversified no but I so I'm kind of just started this whole entrepreneur thing founding companies also. The companies I found I would own 100% or 50% if I find another non-technical co-founder.

Starting point is 00:14:59 I'm only 32. What, the one that you get 2,000 hours a month from? That was my software agency. That's not so. He's had employees and stuff. So that's just... Had? Yeah, I had

Starting point is 00:15:10 last, maybe two years ago, five full-time employees. Must have been nice. they could have kept their jobs. Well, yeah. The market and chat GPT kind of f***ed this. Go on. What?

Starting point is 00:15:26 Yeah. So the software engineering market is kind of tanking right now. So you've seen, you know, layouts from that meta. So you got rid of all your five? No. No, I still have one. Was this the agency?

Starting point is 00:15:37 Yeah, my software agency. What was your monthly revenue then compared to now? Gross. I lost on a month, I think, around $10,000 or so since. My software agency... Gross, what were you bringing in then? Gross, what were you bringing in now? I don't even know.

Starting point is 00:15:53 Come on, the revenue that comes in on average, guy? Right now. Stop touching the table with your damn ring. All right now is that he lost $100,000 doing that. And he was doing it. What do you mean? It was like worth $100 and then it went to zero or you put in $100 and a $100,000. And then earn a back.

Starting point is 00:16:10 He put into $100,000 into this. He also like quit his higher paying job right before. Oh, because, yeah, I was working a full-time job at the same time as starting. Here's the crazy thing. I am not necessarily against it. This country is great in the world of you get to take that risk. You get to do that. And you find out if you win or not.

Starting point is 00:16:32 But there are levels that I would get you to first before you're allowed to take that risk. That is having probably a year's emergency fund, making sure you have. Hey, how about I talk? Some sense of retirement, you know, that would be on track and let it grow while you're going off and fucking around. But I love the idea of you going in and putting some money into something you feel confident and grind it on it and creating jobs. I love that.

Starting point is 00:16:56 That's great. And you know what? It went to zero and that happens and you can try things again. But the foundation, man, for the sake of your family and two kids, by the way. Do you remember when you guys told me you have two kids? Yeah, that's an interesting little thing. Maybe we should take care of them instead of our own self-s desires. Maybe we have a foundation.

Starting point is 00:17:12 I learned that after. Interesting results for someone that has. learn something and decided not to correct it. Well, now I think I'm paying the consequences of those actions. When did you lose the 100? That was 2023. So this year. So you've had two years to build a fully funded emergency fund now.

Starting point is 00:17:29 So I don't, don't believe in that. Okay. So 2022, hold on. Curious about Ozempick or Wigovi, but not sure if your insurance covers it. That's where Roe comes in. Roe can help you understand if GL-1s are right for you and your goals. But that's just the beginning. Roe members have support their health.

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Starting point is 00:18:23 And then so we were kind of hemorrhaging money then. You're not going to have good insurance? No, we had good insurance. She hit her out of pocket max, I think twice. Oh, she is. Yeah, I had, I had like. The next enrollment, did you up it? We pay for the most expensive insurance and the most.

Starting point is 00:18:40 I mean, I'm kind of broken. I have a bad eye and got my tonsils out. and have like genetic issues and OCD. I'm like totally a mess. That's not funny, but it's true. And so we spent a lot of money on medical stuff in 2022. And then I got pregnant from IVF. Which was expensive.

Starting point is 00:19:05 Which was expensive. Which I'm not against you doing in a smart way. We had my company pay it through insurance, but still even after all that, you know, co-pays and deducting. all that, we still ended up paying several thousand dollars. Mm-hmm. Which again, I'm not against us do it in a financially healthy, smart way. Then Tom had a mini-stroke at the beginning.

Starting point is 00:19:29 You had a little stroke? Yes, this is a tiny one. A little touch of stroke? So I was working a full-time. And he was working in the hospital too. Yeah, I kind of had three full days of. What's up? What's up?

Starting point is 00:19:39 Did they figure out of root cause or anything? Yeah, just that I have like a stage one hypertension and when there's like, whoa, whoa. Whoa, okay. Hold on. Are you taking medicine? Yeah, I take some aspirin. Okay, I've changed my diet. Physically look relatively healthy, but are you keeping just like salts and everything under control? Yeah, and red meats, I stopped eating.

Starting point is 00:19:57 That's how it helped a time. Damn, that's a shame. Yeah, so I didn't know, I guess, that those triggers would cause that. And, you know, with the stress of having a full-time software engineering. What was it like? What was the mini-stroke? What was the mini-stroke? It was terrifying. It was like, what happened?

Starting point is 00:20:11 Yeah, it's called a T-I-A-T-I-A, a trans. something. So basically what happens is that blood clot forms somewhere in your brain due to either higher load. But what happened to you? She's like in the moment. She's like, what happened? It was kind of traumatic. But basically what happened is that... You didn't want to go to the hospital either.

Starting point is 00:20:33 Yeah, I didn't want to go outside. I don't know if I needed to go to the hospital. You didn't need to go to the hospital. You had a mini stroke. I don't... Google says as long as you're not suffering any major consequences. Buddy, what was the feeling that you had for, for a sake? So basically, I lost or started to lose feeling in my right leg. It was like looking droopy is like I sent Jane a picture of that. Your leg was looking droopy?

Starting point is 00:20:57 Yeah, I was just sitting down and my right leg was just like sagging. Like this is really odd. Just I sent Jane a picture. Like it's like, hey, in case I die, you know, here's this. And I stood up and immediately I couldn't feel any or move any of my right side. And then I. That's terrible. Yeah.

Starting point is 00:21:16 And he was so pale. Tom came in and he was like, uh... I'm sure your blood pressure just went, he was just so pale. It was so scary. It was like so scary. And my, the left side of my face,

Starting point is 00:21:30 uh, was, uh, drooping. So what did they do to get you back to normal? They did a bunch of testing. So the whole thing only lasts about 20 minutes or so. It's not like a full blown strike where you have to like do.

Starting point is 00:21:39 So now you're just in prevention mode, making sure you stay healthy. And I still, like I went to physical therapy for, a little bit to fix my leg and I still need to do. It still has a bit of balance problems and things like that. And there was, I guess, I guess a little bit of like damage to the language center of my brain for like about a week. Really?

Starting point is 00:21:58 You're gaping uncontrollably. Yeah, for a week. That's why they didn't think it was that big of a deal because like, like it happened to some. You might need to have another one again so you can say it. I'm kidding. It was really, really, really scary. I'm sorry. Really, really.

Starting point is 00:22:12 And I'm glad you've gotten your diet under control and that you're taking it serious. Are you taking it seriously? Yes. Is he taking it seriously? That was the wake-up call I needed, and that's when I decided I need to leave my higher paying, but much a stressful job. Wait, how much were you making it that? I don't know. My base salary was 210, and there was, like, bonuses and stock and stuff like that.

Starting point is 00:22:33 Like, on paper I was a millionaire, sure, but that doesn't mean anything. On paper, we were not a millionaire if all of things were on the paper. Or if I was dead, right? Like, what are your life insurance? We do have life insurance, yes. I wouldn't get to enjoy that if I was dead. Guys, what the fuck is going on? What is happening today?

Starting point is 00:22:52 I'm hoping you can tell me. Just from your own standpoint, I'm just so confused. Money's coming in. Where is it going? Out. Okay. So I spend probably too much on all sorts of random crap that doesn't even matter. I spend too much on toys for the kids.

Starting point is 00:23:13 I spend too much on groceries. I spend too much on eating out. Where's the control then? You're acknowledging all this. Where's the control? Where's the fix? It's not there. Obviously, but where's you trying to do anything?

Starting point is 00:23:29 You're acknowledging where's the little big girl attitude, 33? I just. And so it's better that you get your little special girly fund? It's better that you get little mommy fund. I mean, in the short term, sure. Yeah, I feel good. I mean, I do like having the autonomy. Autonomy.

Starting point is 00:23:47 How's that working? I don't think it's working very well. Maybe we should have oversight of our own money together and maybe try to get towards the goals we have together as a couple. Yeah. I mean, I don't know what our goals are. Oh, good. Why?

Starting point is 00:24:01 What are our goals? Go ahead. What are our goals, guys? My goal is to not. My goal, not our goal. No, my goal. So, yeah. It's a great relationship.

Starting point is 00:24:10 Healthy. If, if. didn't exist. Either through divorce or death or some other reason, I still want to achieve the goals that I have set up for myself. Which are? To not work. That's literally the only goal. I do not want to work.

Starting point is 00:24:23 Well, you're doing a f***ab with that. You could probably fire it, dude. No one's really doing fire anymore, but you could have fired with your income. Fired? Yeah, financial independence retire early. Yeah. But instead, you're just blowing it all on risks. Yeah.

Starting point is 00:24:35 I'm also a gambling man, so that's kind of why I do that. Yeah, that's what we want in our fathers. Yeah. But if they win, like in, when was that? If they win, no, she totally heard about the GameStop. Yes. Yeah, so. That was really dumb.

Starting point is 00:24:53 Yeah. So, you know, everyone was on Reddit was talking about it. It's like, okay, this is sure guaranteed way to get money. I told you about it. Yeah. She knew about it. And she wanted to invest money. And I was like, GameStop, you know, the company that sells physical media.

Starting point is 00:25:06 We did make money. Yeah. But I took out $20,000. Took out? From what? from my, one of my retirement. You, why didn't you just buy it? Why didn't you just...

Starting point is 00:25:17 I had some money, but not $20,000. Yeah, no, no, no, no. But in your retirement fund, why didn't you just buy it in the retirement fund? I mean, is that... So you didn't take out of your retirement account to buy it in a brokerage or something? He took it out of the current things that it was invested in. SMP 500 or whatever the target date was. So, like, effectively taking it out and put it in this high risk investment.

Starting point is 00:25:40 And the day we did that, the market opened, and Robin Hood turned off the buy button. So everything went down to virtually zero. But we held because we have diamond hands. And eventually the stock bounced back. And we came out like a 10K ahead. And in order to use that money, then we took out that profit. It was like 8K after withdrawal or withholding. Even just starting now at $0, $20% of your income with an average 10% return,

Starting point is 00:26:16 you'd be retiring to $7.2 million at $62. Oh, no, that's horrible. Too old. Well, how much you need to retire? Because that's seven by then. You'd have millions before then. I guess I haven't done the math to see how much money I need. What do you want to have in terms of income on a yearly damn basis?

Starting point is 00:26:34 Enough to live. No, you tell me how much that is. I don't know how much that is. That's why I'm here. So what is the point of anything you have. done to retire early. If you don't even know what the number is, that's dumb. What is it?

Starting point is 00:26:46 4% out of whatever is invested is what you need to live on. No, no, no, no. That's not what you need to live on. I'm trying to get you that number. That number needs to be 4%. But why is that number? $100,000 a year? 10 million.

Starting point is 00:26:58 All right. No, no, no, no, no. A year, a hundred thousand dollars a year? $200,000 a year. Yeah. Yeah. You need $200,000 a year? No, but apparently we like living cushy lives and I like

Starting point is 00:27:10 Cushy. No, you're living beyond Cush. You're not living Cush. You're not living with your means. You don't know what Cushy is. I do know what Cushy is because I've overspent into Cushy. Okay. So you would need to be withdraw 4% on a yearly basis. And I'm just assuming I'm just in my brokerage, Mo-Moo. Mm-hmm. My instance, that's some P-500. You need $5 million. And when did you start making $200,000-ish? Let's just call, let's go $2,000. It's like grown linearly. $220,000. It was the first year you did that?

Starting point is 00:27:56 Last year. Oh, okay. But it goes up at like $10.20k a year or so. Yeah, it'll plateau in your probably like 50s. I mean, it's kind of already plateaued because I don't want to do the jobs that make you have more money because they make you do stuff. And you married this happily? Yeah. 26 to 27 years.

Starting point is 00:28:18 But that's at 20%. You could have probably invested about 50% of your money to get. get to this lifestyle. You really want to. Yeah, but what happens? Shut the fuck for a second. A hundred times. Then it doesn't matter.

Starting point is 00:28:30 You won't know that you sacrificed. Because you're dead. If I have a terminal illness. Because you're a rotting corpse. I know that I would have been able to enjoy it more. Move to Canada and then. I don't know. Does that work?

Starting point is 00:28:43 Why would that work? I like him. He should stay here. No, guys. So what's the point you're trying to make? I'm here for a good time, not a long time. No. You said you want to retire.

Starting point is 00:28:53 as early as possible. I said I don't want to be working. So if that means I need to retire at 46 and find a way to solve the problem one way or the other, including Canada and suicide. The problem would be at age 50, then I'm fine with it. No, no, no. The problem would be, in order to not work, you need enough money to sustain yourself. You could have been investing 50% of your income since last year and it would take it 18 years or 17 years from now.

Starting point is 00:29:14 And you could have been retired. Yeah. I could still on the older side. I could settle. Yeah, but that's happy. You could probably invest more if you really want to live. in the household median income is 75,000 here in Austin. You could probably retire in

Starting point is 00:29:27 13 years. That's just a little bit of sacrifice. Instead, you guys just want to live it up, live it up, live it up, live it up, live it up every second of your life. Major channel announcement. Budgeting, budgety, budgeting. It's a new year. We're all trying to budget. We're all trying to make it a little better.

Starting point is 00:29:43 We're trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated, right now. You use any of the budgeting apps out there. It's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated.

Starting point is 00:30:11 You're trying to take control of your life. So it should be simple. It should be chill. It should be easy to set up and easy to manage. I've called it simpler budget because that's all it is. It's your simpler budget. But we up the end. with continued education and an ad-free version. In the premium version of simpler budget, you can track your spending, set goals, and stick to a plan that actually works by connecting to all of your bank accounts automatically.

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Starting point is 00:31:16 It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever. Download the simpler budget app today. A link in the description below. This budgeting app will change your life. And now to your goal, you're further away than you've ever been because you're just further in debt and you have no real investments to speak of. You have a couple unicorns that you hope turn into something.

Starting point is 00:31:39 That's not a fucking strategy because the vast majority of those fail. Right. That's why I'm actively looking for more opportunities and basically spray and frame model. It's called just the regular stock market. I'm not going to give investing. advice, but go through our investing class and learn how to define your investing profile, risk associated with it, and learn your investment portfolio based on that. You get it for free, so you take it.

Starting point is 00:32:02 You guys get it off 15% off when you bundle it with all our other classes, but you guys get them for free. So why don't you do that? I don't know. And then you said even something crazy like, uh, you get into these documents. This is taking, take us forever. What did you say? You don't believe in an emergency fund?

Starting point is 00:32:20 You're a father. Like, that's his irresponsible. I disagree with his stance on this. Well, good thing you're the breadwinner. Okay. I don't know. I mean, that is part of the issue. So if I'm responsible for, you know, bringing in the income and managing the bills,

Starting point is 00:32:37 then I feel like I have a little bit more liberty to take these higher risk. But you shouldn't, though. Every money move that the household makes should be a collective from the two. I mean, I didn't know how much debt we were in until he told me how much debt we were. When did he tell you? So. Well, you had a hidden credit card, too. Well, it wasn't a hidden credit card.

Starting point is 00:32:53 Hidden debt. I, I. It was a hidden debt. You knew the credit card existed, not the debt. Okay, maybe that's true. So when did you learn how much debt he had? So, uh, we were building a tiny house on our property, um, because at the time that When?

Starting point is 00:33:10 Okay. Uh, it started around 2021. Yeah. And they just finished. So you learned in 2021. No. When did you learn how much debt he has? just the fucking question.

Starting point is 00:33:21 Okay. Probably at the beginning of... That we have. Probably at the beginning of... Oh, now you're a we. Okay. Yeah, when it's convenient. Oh, progress, guys.

Starting point is 00:33:30 Probably at the beginning of this year. I learned... Not 2025. Sorry. Last year. 2024. Okay. So at the beginning of

Starting point is 00:33:43 2024, I learned that he took out $60,000 in loans that I didn't know about. Where'd they go? Where'd they possibly go? So we started a build for the tiny house that was supposed to be $140,000. And you thought that was cash flowing?

Starting point is 00:34:01 So we had originally taken a cash out refinance. I have that loan. This is during the peak COVID housing pricing boom. So we took advantage. We got $166,000 from that. And then we signed onto a contract to do a tiny house build that was, $140,000. It's pretty cool.

Starting point is 00:34:22 It is really cool. And then they increased the price to $174,000. Who did? The builders? Okay. And we almost didn't do it. We really shouldn't have done it.

Starting point is 00:34:36 But then we decided to go ahead. Is it making money? Do you have two homes? It's my office. He works from it. And guess house. What a fucking joke. What a joke.

Starting point is 00:34:46 Now hear me out. So I'm having a really hard time keeping down a job. Like the job that I had before this, I was only there for six months. Just the stress gets to me and being... And what are you going to do?

Starting point is 00:35:01 Ever, for the rest of your life? That's the problem I'm trying to solve. Disability? What? Well, these lottery tickets. Like, if any of these... You mean the companies? Stop calling them lottery tickets. There's still stupid investments for your position. If any of the companies I either invested

Starting point is 00:35:15 in or start print, then that's the I don't have to work. Yeah, but he works way too hard. You know when people do these little angel investments and start up businesses and the way you're doing, they do it 200 times to hopefully get one. You've done it to businesses and then one you have. Right. And then your odds are not looking good.

Starting point is 00:35:39 Right. So I'm just going to keep going until that number reaches. Yeah, you're already a decade of half into adulthood. So really, yeah. Right. So I am. Keep going and we're only three in? I am 32 and I have given myself about eight years or so after 40,

Starting point is 00:35:54 it's kind of hard to get money because of ageism. Sure, but the median startup age in the United States is 45. Not the unicorn technical startup that I'm trying to either start or be a part of. Yeah, why have a successful business that doesn't get to a billion dollars but still supports our household and gives us the freedom we crave. That would be a horrible thing. Yeah, right, which is why. we're here.

Starting point is 00:36:20 You're a child. I don't know how you guys are going to make it through anything, guys. I really don't. We haven't touched the numbers, but you're still, you're talking about an allowance. I believe in an emergency fund. Haven't been able to even hear your defense of that one yet. And don't believe. Do you want to hear it?

Starting point is 00:36:33 Sure. As far as I understand. Are you coming on here to just like mentally jerk off thinking you're like, you are intelligent in many ways. I'm here because I'm wrong. I'm here because I'm wrong. I'm here because. Then why are you defending shit?

Starting point is 00:36:47 To give you context as to why. I believe this. Maybe you can help me correct my thinking. So as far as I understand... Here, I'll correct it right now before you explain it. It hasn't worked so far. A decade and a half. So fuck you.

Starting point is 00:37:00 Do something different. Right, but I don't know what that different thing is. So I'll tell you how I've been operating now. So an emergency fund, as far as I understand, is maybe six months of what it takes to, you know, run your household. Our household right now, even when we, you know, are telling ourselves we're cutting back and things like that. that is more than we're bringing in.

Starting point is 00:37:21 Because you don't budget because you need to use budgets as well. So I would need to have an emergency fund that is over $100,000 just sitting there doing nothing. No, it's cutting to the bare minimums. You're not doing the bare minimums. You already defined it correctly. Are you stupid? Are you not listening to your own definition?

Starting point is 00:37:41 Can you tell me what the bare minimum is? What it costs for you guys to live without giving up life? I mean, apparently that's what we're thinking we're trying to do that. your luxury spent. Let's go through it. Tell me what's stupid because I'm thinking I'm living a life that I think. Sure, $1,212 on going out to eat. That's stupid.

Starting point is 00:38:00 Don't need that to survive. How much would that be if we ate inside, like realistically? Two parents, two kids, ages five. And well, so one's still on Titty? No. No, he's not Titty. Titty's done. I don't know when Titty normally ends.

Starting point is 00:38:17 I've never had one. Titty can go. on for longer than this, but Tiddy was done at one. Because remember this is on top of our groceries. Exactly. That's 50 on top of you spending a thousand. You spent 1,034 on groceries and 1,200 80D.

Starting point is 00:38:33 Now I could have done 1,000 on groceries and you would have been fine. A thousand. Okay. What were those numbers again? What were those numbers again? Can you say the numbers again? 1,034 grocery stores. and then 1,212 going out to eat.

Starting point is 00:38:50 So you're saying with $1,000, we should be able to cover all our food. Groceries easily. Not even an issue. He doesn't cook at all. Great. Do it. Working can't. How many hours a week are you working?

Starting point is 00:39:05 Any time I'm not actively watching. 24-7 basically. Fun fact, usually when mothers stay at home, they're usually able to prepare meals. Trad it up if you want to. I don't care. I am able to prepare meals. I do prepare meals. I do prepare meals.

Starting point is 00:39:17 Oh, wonderful. We solved the issue. But sometimes I'm going out and like if I'm going to doctor's appointments or something. Are you pretending generations of people have not done this? Generations of people had multi-generation households. We don't have. In the United States of America, though, at least in the 20th and 21st century has been more traditionally like this. If you're going back to an 18th, sure.

Starting point is 00:39:42 And you're right. Other cultures do have multi-generational households. But in the United States, they're traditional sense. least in the 20th and 21st century is more traditional like this. I mean, I think I... So you're dismissing them, at least three generations of people? No, I just, I think that we, we need some amount of relief for me cooking every single meal.

Starting point is 00:40:04 I'll give you relief. Meal prep. I do meal prep. We figure it out, you cook only a few times a week and then you're warming up the rest of the time. Some of, some of those eating out meals. are actually... You know what you're doing?

Starting point is 00:40:19 Do you know what you're doing right now? You're doing the defeatist, the it will never work mentality. And you're right. This will never work if you have that mentality. If you give up and it's not possible, it is literally not possible. People who want to do it, do it, who have more kids than you and both work. With the lower standards of living, sure. Like, lower your standard of living, you entitled...

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Starting point is 00:41:25 Just like everyone else. Just like everyone else? Are you fucking stupid? What are you talking about? My parents are going to be able to retire because they sacrificed eventually once they figured out financial literacy. So I'm not going to have to put my life on hold to deal with them. But because you guys are babies when your kids are trying to navigate their early adulthood.

Starting point is 00:41:44 They're going to have to put their life on hold because their parents are. decided to not grow up past the age of five. That, that I think is acceptable to me. And the reason is... Really? They didn't consent to come in this world, but you guys chose to bring them in. And that's fair to put that burden on them? Fuck you. What entitlement do you have?

Starting point is 00:42:00 Disgusting. So I am a first... I am a first generation American. Congratulations. Welcome to the red, white and blue. My parents came to the United States from a country where there was no opportunity. Food insecurity was a thing. Cool.

Starting point is 00:42:14 Even during... My home when I was growing up... of food insecurity was a thing. My child eats food, has access to food, that's immediately better. And if it means that- You thought when I said lower your standard of the living, I said, let them starve? What the fuck are you talking about? Why are you trying to take it to an extreme?

Starting point is 00:42:31 You're living off of basically 300,000 hours a year earning 200. I'm saying live off 100. I should be supporting effectively a nepo baby lifestyle of, like, me paying for their college. I do not believe in paying. I said you guys retiring is you paid for their college? You are literally conflating things in the most. stupid fucking way possible. You were saying that...

Starting point is 00:42:50 I forgot what you're saying. You can choose to be for their college or not. I don't give a... That's up to you. I'm saying... Oh, sure. You were referring to... Retirement when I said retirement?

Starting point is 00:42:58 Yeah. Having the children, you know, sponsor are living. Yes, because they're not going to let you die under a bridge. What the fuck did you think I'm talking about? They might. It's my job to make sure that I raise them 0-318 to convince them that I'm a good investment.

Starting point is 00:43:13 They could let us die in a business. Good investment. Fuck you. They're... They're... your investment, you piece of shit. You, they did not have a choice to come to this world. You brought them in by your choice, IVF and everything.

Starting point is 00:43:26 So it is not fair to them that you guys decide you want to live the high life and take risk and live off a lottery ticket to your entire life. And then when they are actually trying to get ahead in life when it is their time, mom and dad keep coming in begging for money because they have no choice because dad's Bound to the bed after five strokes, and then mom hasn't built a resume her entire life so can't get a job. You know how I call out impulse spending on the show all the time? Let's be honest.

Starting point is 00:43:56 Most of those aren't about needing that random Amazon gadget or drive-through meal. They're emotional spending. Stress, burnout, boredom. It all shows up in your bank account. I've seen over and over again the root of the problems can be mental health. That's where today's sponsor, Sondermind comes in. Soundermine connects you with a licensed therapist and psychiatrists to help you break the cycle. Whether you're feeling overwhelmed, stuck, or just not yourself.

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Starting point is 00:44:50 That's pages. That's saundermine.com slash Caleb. Better mental health means smarter financial decisions. So let's make this the year to change from the inside out. I mean, that's a risk. That's a risk. It's not just a risk. It's a reality that hundreds of thousands, if not millions of people are living in this country.

Starting point is 00:45:07 I mean, yeah. We're living that reality. Our parents have no. Exactly. So you're going to. Repeat the cycle of misery. That's great. That's responsible.

Starting point is 00:45:15 That's healthy. That's mature. That's what we want. When something bad happens from our childhood, oh, my kids should have to deal with the same bull- I dealt with. I went up to school both ways. Yes, that's cute, guys.

Starting point is 00:45:30 Well done. Exemplary parents. We haven't even started going through. I know, because you guys are a fucking joke. Honestly, that was embarrassing and you should be disgusting in yourselves. Probably. Let's see if you can fix it. this. No, I can't fix that. I'm going to go through the numbers, but that is just your,

Starting point is 00:45:50 that's not, that's your worldview and I can't fix that. Okay. I don't think that world is broken. I don't even totally agree with him. And I think that this is one of the bigger problems is I have a more conventional understanding of how budgeting should work. And I have a more than you guys aren't going to last. If you're completely polar opposites. I don't think we are completely polar opposites. I think that he has different opinions than me. And he, I have let him so far steer the ship with the money. And I don't think that I should,

Starting point is 00:46:24 we should do that anymore. Yeah, because that ship is crashing into an iceberg every day. That's why we're here. That's why we're here. But then you fight on everything. Guys, I'm not even going to ask them their score because I'm going to be dumb.

Starting point is 00:46:38 If you want your hammer financial score, it's free. Link in the description below. And if you want to come on this show, apply at Calebhammer.com slash apply. You're not going to ask us our score. I am going to ask one thing though

Starting point is 00:46:53 just because people have just like wondered and just always asked. You know, they always bring up things because they don't know the internal process. You're coming on the show. You're getting yelled at. I'm yelling at you

Starting point is 00:47:04 and giving my truthful opinion and giving some jabs. Through the onboarding process for those considering applying, were you guys informed of everything that was going to happen? Oh, very much. And you consented to it?

Starting point is 00:47:15 Yeah. Multiple conversations and onboarding videos. And you could increase it if you want to. I can take it. And you know the thumbnail is going to be not the most fun. It's going to be a little juicy, I guess. I don't know. I think we need a kick in the pants.

Starting point is 00:47:29 And then another big one. Are you guys actors or are you people from the audience who just applied to come on? I hadn't even really fully seen the show until he applied. And then I started to see the show later. Yeah, the reason we decided to, or I did see the show fully, though, I do understand. Was because I promised a. That I would seek a financial something. Yes.

Starting point is 00:47:55 You are a financial something. I mean, there was a big fight about we need to fix this. There was a huge fight about we need to fix this. When was the fight guys? Can you tell me how the fight went? That one was specific. How did it start? And then how did it go?

Starting point is 00:48:09 And when was it? Sorry, a lot of questions. Maybe about four months ago, maybe five months ago. Basically, I was noticing that the credit card balance, one of the credit card balances, wasn't going down. And that's when the vibes were off. And who managed that card? So I spent money on it mostly. Was this the one that you didn't know the debt was there?

Starting point is 00:48:33 No. No. This is the shared card. Okay. Okay. Go on. Basically, say, hey, I'm noticing a problem and running numbers. and with me taking a lower paying job to be a little bit more stress fee,

Starting point is 00:48:44 we can do, can't do it. Like there's mathing, mathing, we need some help. I say, I keep saying, well, we need to create a budget.

Starting point is 00:48:51 And he says, you can create a budget by yourself. I don't do budget. Guy, what are you? And then I, like, I,

Starting point is 00:49:01 you have the chance for a generational change that is unheard of. And you're throwing it away. Sure, but I'm not going to feel bad if I single-handedly don't fix. He doesn't care. The system. I can try my best. The system.

Starting point is 00:49:12 Buddy, you have the most blessed position in the system. Sure, but others don't. So a good chunk of my money also goes to helping people who need help. Like, for example, the software agency I started in 2023. Oh, I don't see those. Where are those payments? Because that was in 20203. But that's where a lot of the money goes.

Starting point is 00:49:28 So I think you don't know what the word help means. I think you're referring to helped. No, it's still helping. Still helping. So, for example, I give out loans to my family who don't make. Helping is. making them pay you back. Okay.

Starting point is 00:49:40 They do pay me back, but I'm not going to, you know, break windows. No, but I would just gift it and also make sure you're not enabling bad behavior. That's a completely different conversation, but go ahead. I don't think I have the money to gift. You don't have the money to loan? I do. I do. Oh, my.

Starting point is 00:49:56 Okay. American Express personal loan. You guys, I don't think I'm ever able to have a conversation with you. How many fights are there often? No. I would. Really? Because I couldn't talk to this.

Starting point is 00:50:09 dude for more than five seconds. I'm good at talking to him usually. Oh, is that just by sitting and not saying a word? She needs to say composed during the wearing camera. I'm just normally spicier. What are you calling your wife hysterical? I don't know the exact definition of that word, but I don't think I'd use that word. Overely emotional, maybe.

Starting point is 00:50:33 I use those words. Why are you hiding it now? I'm not hiding it. I'm being myself. He just sees me as being really emotional. I don't think that I am really emotional. I think that I am emotional and he is not emotional. That may be true.

Starting point is 00:50:47 There's just a gap in emotional. Isn't it good to have a good balance? Isn't it okay to have emotions, especially when spouses and children are involved? Yes. Something wrong with having little emotions. I'm not saying emotions to drive every decision-making thing. I think that that's maybe a core injury of his is that he has a hard time. And it's a little serial killer, Erie.

Starting point is 00:51:07 No. It's, it's a, he has steal. himself against high levels of emotion over time. Why? Why? If I knew that, I don't think we'd be having this conversation, man. Okay. Do you go to a therapist?

Starting point is 00:51:21 I do, yeah, once a week. Both of us go to therapy. Both of us have a history of complicated our families. Everyone does. Yeah. I'm just, that's like welcome to life, right? Okay. American Express personal loans.

Starting point is 00:51:38 Oh, fuck. Okay. 24,338.90 Wait. Oh, interest. Yeah, $165 of interest. And then you made the minimum to payment. Minimuthy payment is $608.15 substantial.

Starting point is 00:51:52 I'm so glad you have your income because that would be insane. It is insane. But it would be horrific. Yeah. I mean, I only took it out because I knew that we could Yes. What did you take this out for and when? To cover the increased price from the ADU. Yeah, that was kind of. Oh, this was, this was either that one. The little micro dick house?

Starting point is 00:52:12 One of the other. It's 550 square feet. So is it even like a mini house? I know. I mean. Has a bedroom shower. It's a bedroom and it's a one bedroom. Being used for an office.

Starting point is 00:52:21 One bedroom, one bedroom. And we were, so we applied to have it be an A.S. Because we were waiting for zoning laws to change. And then we were going to get a kitchen in there. But then, and they quoted us out what a kitchen would cost. But then they ended up charging us 30% over. Well, you said you did it during COVID. when you did it during COVID.

Starting point is 00:52:40 COVID, you got good interest rates, but we also had supply chains. So the shit like that went up. Yeah. Well, we didn't. So you got both. We didn't start building. What's the interest rate on this? 13, maybe.

Starting point is 00:52:52 I don't know. So even if you were in the S&P 500, what it didn't even matter? Yes, these last two years, but if we're averaging out of it, you know, forever, it's 10%. 10%, which is great, by the way, and not slow. I mean, I want to do better. I want to do better. And we had a big fight about. budgeting and stuff

Starting point is 00:53:14 and I was like I want to figure out why I'm making these choices why I'm not able to self reflect at all I am able to self reflect in and I think that that part of that is even being able to see the problem in the first place I've had a

Starting point is 00:53:31 I think until very recently there was this denial of there even being a problem at all it was I would come up to him and talk to him about money and he would say I out-earn our stupidity. And then eventually that became not true.

Starting point is 00:53:48 That's objectively not true. Well, that was true. And then it stopped being true after I took a lower paying job and expenses went up. Well, I think specifically the ADU or the tiny house and the new, like the company really tanked what we had built at one point. And we did have something built. We did. We did have something built. He works extremely hard.

Starting point is 00:54:18 Right. So this is a new occurrence. Like, we've been past a couple years. Before then, you know, before COVID, you know, we were spent a decade together. When there was one year, we went to Europe twice. And like, that was amazing. We did afford that then. Disney World.

Starting point is 00:54:33 Yeah. Well, not if you didn't have a fully funded emergency fund or set up for retirement. And were you on track for retirement goals? Yes. Yes. I had about maybe 150. And then we burnt through it. In retirement.

Starting point is 00:54:45 Wait, so you've pulled from retirement. Yes. That's what the $100.000. But, okay, so I mean, this is what the fights are about. How often? It usually. Once a month, I don't know. Yeah.

Starting point is 00:55:01 That's a lot. Jake, how often do you fight your fiancé? Is that a lot? I mean, that's a lot. I hear that's a lot. I'm being told that's a lot. But we've been getting together since 2013. So I think that's a lot.

Starting point is 00:55:14 more than a lot of young children. We have young children and that adds to the stress. And let me know in the comments below. How often do you guys fight? And can I watch next time? I ask them. No, you guys. Are you watching you guys?

Starting point is 00:55:29 Okay. Love Sack. Okay. That was stupid. Has there been anything that hasn't been so far? $6,303. Maybe. What?

Starting point is 00:55:37 What hasn't been stupid? Uh. All right. Anyway, moving on. Uh-huh. The love sack was a couch as well as a $6,003 to $3 balance, though. Bean bag thingy. It's a beanbag, $6,000 bean bag?

Starting point is 00:55:53 A $1,000 bean bag. We didn't have room for. A thousand dollar fucking beans? It's pretty nice. Sacks of beans for $1,000? It's kind of beans are these? You should get one. It's pretty cool.

Starting point is 00:56:04 What kind of beans? It's not even beans. It's foam. But it looks like a bean bag. It's nice. It's comfy, but we don't have room for it. It's really big. And so where is it?

Starting point is 00:56:14 It's in the ADU. I do use it. Or it's in the tiny house. It's not actually an ADU because there's no kitchen. $96 minimum fee payment. And then you got a couch $5,000 or $6,000? Because it was a 7,000 hour loan to start. Yeah, one of those zero interest.

Starting point is 00:56:30 $6,000 couch. Yeah, well. I didn't realize when we bought. What is wrong with Facebook Marketplace? So we put it over West Lake and get the most expensive earner you can find for like $5. The rich people just want it gone. I agree. He wanted a new couch.

Starting point is 00:56:47 And I wanted a new couch to our old couch. I got for... Yeah, get a new used couch from the rich. Our last... Which you could be and you're not by choice. Our last couch I bought, it was $180 for both couches. And I went and found it on Facebook Marketplace. And it was great.

Starting point is 00:57:05 I loved it. He did not love it. He wanted a big boy couch. And so Is young kids the best time I have New Fronter anyway? Well so this one you can take off the fabric and wash it Which is a good benefit.

Starting point is 00:57:23 And the, I mean, I think that better choices maybe could have been made there. Oh, really? Are we sure? Okay. Inches for you until 2030. Lucky on that. You just, the lifestyle, man. Again, the 80,000 hour of the year, I think is the median household income in Austin.

Starting point is 00:57:51 You guys could easily live off of 100 and be better than them. And you can invest so much and get to your goal of not having to work. If you can show me how I can raise a family of four with $100,000. Yeah, should I go. And not have to restrict myself. Food is the biggest, biggest one that not have to restrict myself with access to. You don't think people eat. Are you fucking, what are you?

Starting point is 00:58:16 Okay, let me go introduce you to 2.5 million people in the metropolitan area of Austin. Who the fuck do you guys think you are? How do you think people live? So a lot of people have assistance from the government, you know, food stamps, like my family is not my... But you're not even close to that level and I'm not suggesting to live down to that level. I'm saying live above the median, guys, and you'd still be saving a ton. You're not willing to live above the median? Call it $120,000 a year next.

Starting point is 00:58:43 You're not willing to live there? What a joke. If we can visualize what that. And you're considering leaving a job? No, my job right now is a pretty good job. If I do leave it, be for finding some more money, but I love my job right now.

Starting point is 00:59:00 What is this? Blue Cash preferred $30,000. $30,000. Yeah, so that's the credit card. The. The. Yeah, my credit card. One of the.

Starting point is 00:59:11 30,000. $860.54. Oh, with a minimum amount to pay on $922. You know how to live on $120,000 a year? Not to have these minimum monthly payments that equate almost $1,500. $500. $1,500. $1,500 in minimum payment.

Starting point is 00:59:30 We talked about three cards. $1,600 and minimum monthly payments. Yeah, you're right. You probably can't cut your lifestyle down when you've stacked your minimum monthly payments up to a fucking disaster level. Well, I just don't know why we couldn't have this conversation earlier. I think that's- You know why?

Starting point is 00:59:48 Because you guys separate your fucking money and refuse to budget. So you have no knowledge of your situation, making it incapable of having an accurate conversation. Because you live like children. Because you're not a fucking team. You don't have a conversation when you're not a team. You are two unequal parts living around in the same households. And sometimes you can fucking make kids.

Starting point is 01:00:10 That's what you guys are. Okay, we want to try something different. Okay, we do. We want to try something different. What? Well, I was hoping you tell us what that difference. Trying to your defensive. Okay.

Starting point is 01:00:29 Thank you. Oh, my God. How? How do you exist with this? I mean, I want to know, like, where I'm making my dumbest choices. I want to know. $7,000 couch to start. Yeah, okay.

Starting point is 01:00:47 We don't have money. I want to know what my dumbest choices are. I want to know what some replacement choices should be. I want to know what our obligations are because I don't even fully know. Like I didn't even get to see the finances fully. I was surprised. Why didn't you get to? Because he kept saying we earn like.

Starting point is 01:01:10 Why would you hide it from her? Why do you think she's not allowed to know as your wife? I don't think that he was hiding it. Not hiding it. We just don't look at it together. I think it's the same thing with my card. All right. It's a new year, which means it's time to stop making excuses when it comes to cleaning up your finances.

Starting point is 01:01:28 But let me guess, you've already got a list of tequitos to fix. Credit card debt, random subscriptions, eating out too much. I get it. But here's something you probably are not thinking about. Those old 401Ks from your past jobs. You know, the ones you probably forgot existed. And you're not alone. 25% of 401ks are lost or forgotten.

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Starting point is 01:02:53 or go to highcapitalized.com slash Caleb to get started today. That's highcapitalized.com slash Caleb. Huge thanks to Capitalize for sponsoring this video. Now let's get back into it. Well, I'm definitely going to give my take on it. I'll give you a free session with the financial advisors I use over at Domain Money. You guys get a free session too for being a part of the audience. So sit down with them.

Starting point is 01:03:14 We'll hook you up with that. They're really good. Highly recommend it. Okay. Look at this, guys. I mean, okay, plan fees for 5,204 of it, a $51. You made a payment. Yeah, part of the minimum of the payment goes there.

Starting point is 01:03:29 Then on this $21,000, you made a little bit of larger payment, but then you purchased or added $7,667 on this card. What the possible. We just run our transactions on that card. Why can, what's wrong with debit in your guys' world? Because $357 of interest there. I need the layer of indirection in the cases of fraud, which does happen because of my level income,

Starting point is 01:03:54 just a common scam target. So a couple times my credit card info has been skimmed. Then why aren't you using a card that's at least 0% for now? Because you're putting this on something that is taken away $400. Do they make zero percent credit cards? You're on one. Zero percent credit card?

Starting point is 01:04:12 What is that? The last one we just talked about. Oh, so that was just one of those. It's a store card, but yes, you can get cards that are zero percent for like a year or two years. I'm not even saying you should do that. Get zero percent.

Starting point is 01:04:25 It's only, I can't put starbs on that. Fine, what about secured credit cards? I'm not familiar. What about a credit card? Let me compare this to one of our people, Fizz cards. It only allows you to spend what's in your debit account. So you can, or you're checking an account.

Starting point is 01:04:39 So you can't overspend on it. But it's still a credit card. It's still a credit card in a way of the benefits and protections and benefits. So if someone, rewards. Someone steals the card and spends $5 at Starbucks. You can challenge it. Technically,

Starting point is 01:04:55 you can. Does it come out of the account so I can still pay my mortgage? Because it has been a problem where there's a thousand. You pay a mortgage on this? No, on the bank account. That's why I don't want normal. What do you mean? What are you asking?

Starting point is 01:05:06 If my credit card information somehow gets stolen by the waiter or whatever it is. So if they spend thousands of dollars on it, it takes time to fight these things. It does. And you can fight it on actually debit. It just takes even longer and there's less success chances. And it's harder. And that's the main thing I'm protecting myself against. Which I get.

Starting point is 01:05:25 Are you using like the protective and all the security measures online and password protectors in the monitoring services? America's credit card system is. And secure. Granted, it's slowed down since the... Our cybersecurity friends maybe would challenge our security. But, like, I think that we're mostly... I'm not against that as a concept. I'm against you putting all your purchases on a card that is losing you $400 a month in interest.

Starting point is 01:05:52 $400 a month you are actually paying just to use this card. You are paying a plan fee of $400 a month just to use this card. Yeah. Disney Plus... Oh, that's... cheaper than Touth Care. cheaper than Telfth. and then we still use child care.

Starting point is 01:06:11 Okay, but... Prime video channels, car wash, guys, we live in Austin. It's not a desert or snowy place. You don't need a fucking car wash. Just fucking throw a bucket of water on it. It's fine. Apple. Huh?

Starting point is 01:06:22 Those will be gone. Those will be gone. Apple Bill, something zoo. Vending machine, Schlachis, Slotchkes, Burger King. Netflix. Really, nothing good on there. I know anyway. Dutch Bros.

Starting point is 01:06:34 What, Squid game, too? Fetch? Oh, I heard it was okay. Yeah. Fetch. Fetch, Apple Bill, Dutch Bros, Orange Leaf, Amazon, kitty poo club.

Starting point is 01:06:44 Fetch is pet insurance? Oh, I think they, is that the little crystals? It's, no, it's the one, it's, so,

Starting point is 01:06:51 I have ADHD and I have a really hard time with things like, uh, like that that are, but do HG, a, sorry, sorry, sorry.

Starting point is 01:07:00 It's kind of like veganism. Like every ADHD person has to tell everyone that have ADHD. Well, because ADHD people like to talk. But I assume it's playing into this story. So go ahead. It's relevant. It's okay.

Starting point is 01:07:09 So I was having a hard time making sure that the litter boxes were as clean as they need to be to have healthy cats. Yeah. And so I decided to try this as I've tried every other different things. Very expensive. It is very expensive, but I keep the litter boxes clean. And so I think that you can't go buy litter. Because of ADHD. No, that's not the issue.

Starting point is 01:07:35 You have to join a subscription plan. The issue is the cleaning of. of the boxes. So you throw out the whole, like it, you just close it up and throw it at. What about the auto cleaners and just manage it like a responsible cat owner? Those are the, so this is how I have found a way to be a responsible cat owner. Found a way with also laziness. It's not laziness.

Starting point is 01:07:56 It's a little lazy. It's not lazy. You can set a reminder to clean. I can set a reminder to clean and I can get distracted from it. It is not laziness. Distracted while you're cleaning? Yes. literally why I'm on medication.

Starting point is 01:08:09 Now I am. Okay, there you go. So we can go back to it. I wasn't on medication when I was going through all of the like. And you can be a stay at home mom successfully and you can't focus on cleaning a litter box? I can because I have given myself this support system, which is a product. That you can throw away. This is the one thing you couldn't make it through at home.

Starting point is 01:08:33 It's not that much different. like price wise. It's not. We were having cat owner conversations yesterday. If I have two cat boxes and each bag of cat litter costs $40 and I'm also buying cleaner. Okay. And I do two of those bags a month. Cleaner you buy in bulk.

Starting point is 01:08:56 Jake buys six containers to cat litter each month and it's 60 to 70 bucks for six containers. What cat litter? I have a weird cat. I have a weird cat that has substrate preferences. I mean, this is a good excuse. I will defend that purchase. It might be I don't know the cat, but I would listen to the vet over just like trying to find a reason to justify this. I don't want my, my, I don't want my cat to be unhealthy.

Starting point is 01:09:20 And I'm not saying that either. When I had the other forms of litter boxes, I would let them go too long. I was embarrassed. Unmedicated. Yes. And also daddy can't chip in. He doesn't. The cats are my cat.

Starting point is 01:09:37 So he doesn't do that. Mine, mind, mine, everything. We don't, the cats of the house, we don't even define as ours. This house is so weird, guys. You guys are, you guys are not partners. No, you're not partners. Oh, that's not true. No.

Starting point is 01:09:51 We're partners in a different way. And the fact that you made kids other than that, you guys do not act a lot. But you don't partner on things. On everything. Sure, we don't. We don't. The word partner. You're a couple doesn't mean partner.

Starting point is 01:10:05 It doesn't mean that it's not valid. There is a sense of an individual. But you're not partnering together. You're wrong. I'm just thinking of the actual definition of partnering on something like a group project. You guys don't do that. You're individual on everything. Divide and conquer.

Starting point is 01:10:21 Divide and conquer. What are you doing? We're doing. You. Me? What am I doing in what capacity? I guess ordering boxes of cat. Okay.

Starting point is 01:10:33 Stuff. I believe that the cat litter is with. our means, even if we cut down. It probably is. It's just an example, guys. I can definitely make that a priority to make sure that we keep that because I also don't want to be. And I get it.

Starting point is 01:10:49 It's just an example. Same with the Spotify thing. I don't really care. I wouldn't buy the kitty poo club. But because I'm able to feed my kids, I make that choice. So there are different layers. That is one of the layers. And I think that the health of my pets is really important.

Starting point is 01:11:01 I agree. You are acting like I disagree with that. You were just making it. Because you were saying you disagree. No, you're making it sound like the, no other choice and you refuse to have any kind of compromise. You refuse to believe that you're able to clean litter. Also, guys, income that came in from his payroll was 8,780.

Starting point is 01:11:21 It did sell in 2000 and there was ATM cash deposit of 1,000. We got up to like 12,500-ish with that, 13,000-ish. Yeah, we spent 16,550. So as long as I couldn't put food on the table for my kids. There's no way that's right because each week should be around 29. I'm sure you like spreadsheets. Here's one. This is your literal numbers.

Starting point is 01:11:41 So shut the fuck up. Where is the payroll? 87, 83. Literally the numbers in your documents. Not really disputable. Dutch Bros. Orangeleast South Park Meadows. Amazon.

Starting point is 01:11:57 More kitty poo club. Car wash. Come on. Come on. Apple Dutch Bros. Pokemon. Oh, yeah. $40.

Starting point is 01:12:06 I used to be in Pokemon. cards. I have thousands of dollars worth. Used to be. I see this purchase right now. Oh, that was a hat. So I wanted to save money on haircuts. So, uh, you don't go outside. Who cares? Just take scissors to them. Have the seven year old do it. It'll look just as good. Five. Maybe. I combined their majors. muted. Okay, whatever. Apple, Amazon. Again, it's not the purchase I care about.

Starting point is 01:12:35 It's the example. It is just the overall. We can excuse and just, by everything. Okay. Prime video. Summer moon, and I love my moon milk. I lactate that. NordVPN. Apple, Apple.

Starting point is 01:12:52 What are all these Apple charges that are just constant throughout here? Some of them are... Another Apple. Then Dooredish McDonald's and then DoorDash McDonald's? What are the announced on the Apple charges? 99 cents for one. That's probably storage. And then $33.

Starting point is 01:13:05 $0.40 on another. $33. Oh. This spoke. Is it spoke? Then an apple, 99 cents. Apple, $11.89. Pork bun. And you, you're doing all this while giving the card $400 an interest just to do this. None of this is necessity so far.

Starting point is 01:13:24 None of this is necessities. The litter is the necessity. Okay, cool. So, like. And a percentage of the food. Sure, not the entire amount. Okay. So out of the, what was it that I said, 7,000 hours spent, $400 is a necessity.

Starting point is 01:13:39 High fives, guys. all around. Let's celebrate it was a fucking cake. If you're doing $3 a meal per person per day, right? That's good. 4.12. Math, I don't know. In-flight, Wi-Fi. Probably shouldn't be going anywhere

Starting point is 01:13:57 and now. Can't afford it. There's the airport. Family trips. Congratulations. Where's your family? Massachusetts and Dallas. So we drive to Dallas and we fly to Massachusetts. Yeah, I don't think you're flying to Massachusetts for a second. I am flying to Massachusetts. Okay, then, just you. Yes, I am. Just me.

Starting point is 01:14:13 Really? My sister just had a child. I'm going to go visit and visit and I'm taking my baby with me. You are going to make it sound like I'm against this, but here is the thing. You literally cannot afford it. On a good earning month, you still spent $2,500 more than you. You're not willing to do anything. I am willing to do something.

Starting point is 01:14:34 You justify every little thing. Well, yeah, because otherwise we're not doing that. If we can't. We shouldn't have done that. But these are our justifications for the decisions that we made. The decisions you've made of spending $2,500 more than comes in. Justifications we made to give our children a future because they're going to take care of you. Tell us which ones we should start.

Starting point is 01:14:53 So I disagree that the trip to see my sister and her new child is. No, no, was it a one time or is this ongoing? Because you say, I will do this. We go a yearly during Thanksgiving break. But then my sister had a baby in December and I'm going in January. That's reasonable. That's reasonable. How many?

Starting point is 01:15:14 Because you said, I will go. If it is a one-time thing, that's not what I'm freaking out about. It's just a continued stack of the example of not stopping our purchases. Traveling to see family once a year is reasonable. I will stand by that. I'm not saying it's not. I'm saying when we blow all our fucking money and we have zero dollars, no spending money we don't have, is not reasonable. You entitled to.

Starting point is 01:15:37 I disagree. You disagree? You think you're entitled to spend money. not have. Yes, that's what a mortgage is. You're in debt to the bank for whatever percentage. And then after 30 years, you could have three times. A mortgage is an appreciating asset. A flight does not, you piece of shit. Stop trying to come up with an example that is not working. Speculate on your housing. Sure. But there are many people who bought houses most recently in the market cratered. Now they're negative 120. You buy a house for a one year outlook. But you don't know the first

Starting point is 01:16:05 thing you're talking about. Probably shouldn't have built one. Sometimes you're forced into selling because if you're laid off that one of these corporations. Which is why you're, you follow the housing method that I advocate for, only 20% down so that if you do have to sell it on a downtime, you don't have to take out money extra. Wait, why would that work? Because you already have an equity position. Never touch a house. You don't even know what 20% down means.

Starting point is 01:16:25 But you lost the money. Don't even walk towards a house. I would have kept the $20,000. Granted, I would have spent it, but I would have not have to give it to the bank. I say go visit your family once a year. I say go visit your family once a month. That's what I say. I say when you don't have money to survive, we don't spend the money.

Starting point is 01:16:48 We don't have. How is this a crazy concept? I'm not disagree with that. I believe you should be able to leverage the debt, the credit lines that these banks are to run your life. This is not the transaction to dispute. This is not it. They all are because you don't have the money. You don't have the money.

Starting point is 01:17:07 This is not. You don't have the money. I'm saying. I want you to spend the money to do it. Time is irreplaceable. I am not missing moments like that for my family. I'm not saying do either. But hey, listen,

Starting point is 01:17:21 lady, you are incapable of understanding what I'm saying somehow. I don't know. This is impressive borderline. Like my mind is like melting out of just like sheer just like let's, we need to crown this moment that you are unable to understand words that are going over to your ears. I think we understand. Not agree.

Starting point is 01:17:40 You do not understand the claim. because I would say cut back on everything else so you can do the flight because I support the flight. But if you are choosing all the other fucking purchases that put you $2,500 over your spending, no, you don't get to do the extra shit you want to do. How is that hard to understand? How are you guys parents? Good luck. Well, it doesn't, you don't need a certificate to.

Starting point is 01:18:05 Yeah, but the fact they're still alive, good job. I don't know how it happened. I actually am a press. Target, Target, target. Great parents? We're right parents. Great. Okay.

Starting point is 01:18:13 Again, they could be dying in poverty. If you continue this, could be. Do you know what the word could means? Yes. Doesn't mean right now. They're going to be taking care of you guys.

Starting point is 01:18:27 This isn't the acts of good parents. You guys are putting yourself, you guys are putting yourself as behavior above them. That's fine. Huh? They can leave us under a bridge. That's fine. Target, Target, Hulu, Starbucks.

Starting point is 01:18:41 Tesla subscription. Oh, no. What? What is it? It's $10. What is it? Well, the premium connectivity? Yeah.

Starting point is 01:18:51 But the car is $1,000 a month. So I thought, I just, I'm not sure why you didn't immediately make that. I'm not at that statement. I thought you would have to four sites. I didn't know it's $1,000 a month. Yeah. $9.50. And then also there was the self-driving.

Starting point is 01:19:10 Yeah, the self-driving. I've been writing the three trials, but it's $100 a month. On top. I've been trying to get rid of it It's on my list to try to get rid of it Congratulations we're choosing that over seeing our sister's newborn Okay that that's that's that's Well that was in 2020 and her sister wasn't pregnant

Starting point is 01:19:34 Test payments right now I mean I can't just stop paying it I try and it's underwater about 12 or 13,000 dollars And so then borrow the difference and I doubt that I tried uh Your debt to income? Yeah. Yeah.

Starting point is 01:19:49 Oh, what a man. It's bad. That was about six months ago, I think. So after paying a lot of these debts down, I might get closer to the loan. But I also thought about buying, you know, a trash car and hoping a dealership will roll over the negative equity and effectively forcing a refinance, you know, which I've also tried. I don't know how you guys are going to make it in life. That's crazy, guys. It is crazy.

Starting point is 01:20:14 But we're crazy. That's true. We are crazy. I'm crazy. Hey, we're so cute. Yeah, thank you. Thanks. Amazon, Disney Plus, Dutch Bros.

Starting point is 01:20:25 Smoke ADX slaughter. Amazon, Amazon. You guys think you're, because you're touching each other, you guys are partners. We are partners. Not in the definitional word. Chipotle. Zoo. Favor P. Terry's.

Starting point is 01:20:45 Target. Odd pizza. marshals spending all of this on here just so we get the luxury of giving the bank $400 a month. Yeah. I mean, I think that's fair in exchange for the access to the capital. Like, I consciously. You know, I agree that is fair. Yeah.

Starting point is 01:21:01 And that's why you're doing it. Right. And if you're okay with it, then this conversation's done. Well, because it doesn't matter. I agree that is fair. I would say don't do it. The fact that you don't give a shit. What is the point then?

Starting point is 01:21:14 What are we talking about? We are telling you what our justifications have been over time, and they are good or bad, clearly maybe bad. I haven't heard one good yet. I have. What? I'm happy with my choice for the kiddie poo club, and I'm happy with my choice to buy tickets to go see my sister and her baby. Yeah, I'm good with that, too, if you had money. We have money for those things.

Starting point is 01:21:41 You spent $2,500 one that you brought in. You don't know what having money is. Shut the fuck up. Shut up. Shut up. Shut up. Shut up. Just pretend that.

Starting point is 01:21:48 Shut the $500. Just pretend that that $2,500 didn't go to the flights. It went to food delivery. You just have to adjust. So those are not things I'm cutting. I didn't fucking say that. How are you still incapable? I said do it if you cut the other.

Starting point is 01:22:05 And you didn't. How have you survived without being able to understand what a sentence is? Colombian coffee near time. Barnes and Noble Barnes and Noble. Okay. Home goods, home life. What? The coffee.

Starting point is 01:22:22 Yeah, the coffee. So you're going to see more charges of the coffee. There was an issue. Oh, really? Okay, I accidentally got like eight months worth of coffee sent to me. It looks like, what, $400 or something like that. We'll drink it. It lasts.

Starting point is 01:22:37 It lasts. LA Fitness. Hummus cuisine. Airport. Pizza. Article. Target Lush Nails

Starting point is 01:22:49 Shepotle Hudson In Motion Starbucks Patreon It's not even ours Probably Huh

Starting point is 01:23:00 Patreon Who is subscribing to on Patreon Oh Funny Fridays She's great She's great How much content does she upload In her Patreon

Starting point is 01:23:08 I don't follow her Patreon Actually I just pay for a Patreon Because I like her content And so I See if you guys join our YouTube membership. We have over thousand hours of extra content. We have more extra content than I think any other membership that we know of. Yeah. I mean, if I agree. So also you have debt. So I don't want you to support creators because you have debt and you're not living and surviving and you're going to die in poverty.

Starting point is 01:23:33 What happens next time dude has stroke and can't work though? Like seriously. Disability. You know, if I'm horrible though. Sure. But you're talking about cutting lifestyle, not back to a hundred 10, what are you going to have to do when you cut lifestyle back to 30? As far as I understand, my disability insurance is percentage-based. I get 60% further. But you're not even willing to cut back to close to 60%. If I get free 60% income, I will figure out a way because my ultimate goal is to not work. You won't figure out a way.

Starting point is 01:24:02 Sure. That's true. I have zero desire to go through the rest of this with you guys. There's a lot. There's important information. Yeah. And not information that's going to change anything in this conversation. I have zero desire to go through this.

Starting point is 01:24:17 Who has a fucking Audi? Oh, that's my mom. It's under my name, but she pays me for it sometimes. That's fucking insane. I agree. You know, it's past due. Yeah, yeah. Two months now.

Starting point is 01:24:36 I mean, it's affecting our credit. What's our solution here? Third month when they repossess the vehicle. Uh-huh. On your credit? Sure. You're expecting this to happen? Yeah.

Starting point is 01:24:47 You're okay with this? No. I mean, I don't. Who has it again? My mother. And what are the conversations like? Why did you allow her to get a thousand hour monthly payment anyway? The fuck is her income?

Starting point is 01:24:58 Zero. Company! She is also a homemaker. So. Oh, what does he make then? I don't know the specifics. And you allowed, you signed? You signed for this?

Starting point is 01:25:13 You signed for a thousand. Well, she said she'd be good for it. So. Oh, so clearly. Maybe that's how I. bank should operate. I mean, that,

Starting point is 01:25:21 I think that's how they. Oh, you know what? They said they're good. That is how they operate. No, it's not you fucking dumb ass. I mean, that's why they gave us the money. They checked your credit.

Starting point is 01:25:30 Yeah. You did not check her credit. Oh, I don't need to check it because now it's about the same as mine. Yeah, but him, the bread earner that you're relying on.

Starting point is 01:25:39 You don't know how much money is coming in. Usually when you apply for a loan, they ask how much money is coming in. Well, it should be only my name, right? No, no. I'm saying you, expecting payment from them. Oh, no, I'm not going to do a background.

Starting point is 01:25:53 Dude, you're such a dunder. I mean, yeah, sure. That I 100% agree with. But if I channel this dumb ass in the right direction, which you have it in a decade and a half, which gives me no. I think I think I can make it work. I seriously, I seriously do not want to continue this.

Starting point is 01:26:09 I seriously do not want to continue this. I legitimately do not. Me, me, Caleb Hammer, me here, not even on the show. I do not want to continue this conversation. I have zero interest in continuing this conversation. You guys are so fucking loss eating therapy together.

Starting point is 01:26:27 That's what this is. That's what this is. That's not. I am not a licensed therapist. What the fuck up I hate you? And our therapist wouldn't say that. So you guys need couple therapy. We have been in couple therapy before.

Starting point is 01:26:39 You tried. You tried. Yeah. I fired our last one. Oh! Yeah. She fired the last two. Yeah.

Starting point is 01:26:46 I did. But we would just talk. about anything real. Okay, so we do want to do better. We do. I don't think he believes us. No, not for a single fucking second. You already tried couples therapy?

Starting point is 01:27:09 Then this is not going to help. Well, the finances and our dumbassery there is different than the dumbassery in our relationship. I don't couple those. I hate, I hate ending it. I hate ending it earlier. I just, I just. There's nothing more that I want to do than to just end this. Like, the show in this context.

Starting point is 01:27:32 I just want to be done. You guys have friends? Okay, that's about it. We do have friends. I choose to not seek those types of relationships most of the time. You have some friends. Some, but a lot of people go out of their way to have additional friends. I just don't have an interest.

Starting point is 01:27:57 $4,000 on this card. thousand dollars of purchases I'm not even going to write it down because it doesn't fucking matter Taco Bell Academy Sports Home goods Ross Store Spotify Target Goodwill Target 19% interest

Starting point is 01:28:11 $700 an interest accrued Wait which one I don't know I threw it and I'm done Another Wells Fargo $905 of purchases But you put money towards this one This one looks like that one's actually paid off But even still it's still 900 dollars of spending

Starting point is 01:28:30 that could have gone towards other things. Went to binwash? Yeah, that one is like... Oh, insurance. It looks like our quarterly insurance or biannual insurance. What, binwash? No, progressive, $824.

Starting point is 01:28:41 Oh, that's the insurance for the Audi since my name's on it. I have to be the... Insurance, how often? Monthly? Yeah. It's not... There's like...

Starting point is 01:29:01 No, we're done. Four drivers. Okay, okay. And one of them... them is 17. Go sit down with the professional financial advisor that I connected to you with because this is, this is done. I looked for alternative rates.

Starting point is 01:29:15 Buddy, you're done. This is done. This is good luck. Good luck. I'm done. They were the only ones who provided. Shut the fuck. Even gave a rate.

Starting point is 01:29:37 Surely we're not the worst, right? Not. Maybe. What flight? What flight are you taking a 30% interest? Is there 30% interest really? Are you fucking stupid? You're supposed to be the smart guy you pretend.

Starting point is 01:29:51 like you smart, you're quiffy, like you're smart, but you're a dumb ass. This is just money. Money doesn't matter. Why are you sitting in that seat then? Why would you apply? Mother f***, my empathy's gone. To watch the financial audit post show, click the join button below.

Financial Audit - Professional Redditor Treats His Wife Like A Pet | Financial Audit

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