Financial Audit - Scumbag Husband Destroys Marriage With Secret Debt | Financial Audit

Episode Date: July 28, 2025

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After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise. Hi, I'm Ruby. I'm 26. Hi, I'm Boudro. I'm 26. And we are from Baton Rouge, Louisiana.

And this is financial audit. Thanks for coming over, guys. I really appreciate it. You look like you're dying. You okay? Yeah, I'm good. I'm excited. I'm just really excited.

Yeah, yeah, yeah. I'm excited too. Ruby, what do you do for a living? You're the one in front of me. So we'll start with you. I work in ABA. I'm a line technician. I work with children with autism

and other behavioral disorders. Okay. And what are we making? I make $15 an hour. Oh. Yeah. Okay. How many hours a week do you work? About 30. Okay. And we know we got a lot of behavioral issues in Baton Rouge. That is for sure. 30 hours a week, why so little?

So when our children were in school, I worked after. Hold on. You guys have kids? Yes, we have two. When they were in school? It's summer break right now. Oh, okay. How old are they? We have one daughter that is six and a son that's four. I won't be starting school. Very good.

Sorry, continue. Yeah, when they were, when our daughter was in school, I would bring her to school and then I would go to work and then want to get off to get her off the bus. But now this summer, we, they are currently staying with family most of the week. Because you guys are working. Yes. Not for other weird issues. No, not for just because I were working. And I have more hours that I can work,

but our family that they stay with lives a little over an hour away. So I am off Mondays and Tuesdays. So Wednesday, Thursday, and Friday, I work 7.30 to 6. Okay. So I work about with a 30-minute break. So working about 30 hours. Mr. Budra, what do you do?

I'm a local truck driver. Yeah. And called that. I sat down and said he looked like a truck driver. That is okay. Yeah. Yeah, you are. Yes, you are, Mr. Boudreau.

Okay. It used to get out of Ban Rouge. I'd take it as well. So what do you do? What do you make? I make 25 an hour. Better. How many hours?

I work about 60 to 65. Okay. Ooh. What? Okay. What hits your account on a monthly basis? Um, for your job.

probably about 1,200 a month 1,200 a month, that's it? Yeah. I just recently, I had to be there for a year at my job, so I just recently got a 401K that money is getting taken out at, and I have insurance. Insurance.

You're not on each other's insurance? You don't have insurance? I do have insurance, but it's just mine, because we're not married. you're not married No What the fuck are we talking about right now? What are we talking about today?

You guys are fucking each other, getting kids, not married, what is it going on? We had talked about getting married, but it has not been financially feasible yet. So we're waiting. But we've been together since 2018. So, and we've lived together since 2019. You know what?

I sat down on another. I was like, these people are very interesting. And I noticed your truck, and I was like, what, what is she? What does she remind me of? You look like the second coming, but with the golden arches applied. Interesting. I see it. Okay.

Okay. Sorry, I didn't hear anything you said before that. I was just so focused on how you look like Jesus. I don't know how to take. Okay. Okay. And you? What?

What? What are we talking about? We're kind of just trying to figure out who is the problem spender. How do you guys not know? We both spend. Yeah, we share a lot of our finances, so we kind of don't watch over. Who's the problem? What would you say?

Probably Boudreau. Is this true Boudreau? Maybe sometimes. I think there's definitely sometimes that she could be the problem spender. And you're both lip smackers. Let's not do that. Okay. Okay.

Maybe occasionally, but I think he does most of the spending on most of our cards. You can tell later when we look at the records. Okay. So obviously we're an insane amount of debt. Why are you guys not married? You've been together forever, right? Like, you started sticking it in a minimum six and a half years ago. I kind of want to wait until...

Stop smacking your lips! I have the money to give her, like, a better wedding. A better wedding, better wedding than... Than just like a courthouse wedding. Okay, you've had six and a half years to do this so far. Yeah. And it seems like it's just getting worse financially. Why?

Our spending habits. Then what are we prioritizing? We have been trying to pay down our debt recently, but it seems like every time we start making a break, we get comfortable again. And we see that we have extra money to spend, and we tend to spend it going out or bringing our kids to do things. And we have two cars that seem to need a lot of work.

What does that mean? Stop smacking your damn lips! I'm going to punch you both! Jeez! Let's talk about your finances. I can only focus on the lip smacking. So, okay, I get it. Now, why are these cars having so many issues

to you? They are both 01 and they were pre-owned and they're just having problems due to they're just really old cars. Older age. So how's the finances

run in the household? Because I assume you guys live together right? We have the kids together. So we're not married yet. Okay, whatever. We're waiting forever to do it because we'll never fix their finances and it's willing getting worse. Whatever. Okay, cool. Got it. But how are you guys managing finances and the household? How are the conversations going? What is

the knowledge of the entire household finances from both. You guys are twins. You guys are twins. I'm just looking side to side and you guys are twins. Just the male version and the female version. You guys are twins. Okay, okay, okay, sorry.

Sorry, I'm just so many perceptions right here. There's one thing I've met people like you before. I feel like I've only seen you on the internet. We're on the internet right now. We are on the internet right now. So how are the finances done in the house? How are they discussed? We share pretty much everything.

We might not talk about it every time we, like, probably maybe once a month. Okay, once a month's not necessarily bad, but how are these conversations going? Usually for the finances, he will write down all of our bills, how much we owe. Okay. Very manual. Okay. That's about it. And then we usually discuss when they're,

do and like what paycheck will go towards those bills. I mean, Lindsay is telling me right now that you've told her 80% of the time you guys are on the same page. But the other 20% just completely not. Yes. And if we're aware of our finances, then answer this question to me. What percentage of our income is spent on fast food? Just going out to eat.

What percentage of our spending is spent on going out to eat? 40%. What are you doing? that's insane. Probably a lot. Well, that's not our number. But 27.7%, which is crazy, are $2,000. I'm sorry, you said $1,200 for your job hits the account.

I've been distracted a lot during this episode. And about how much hits the account on a monthly basis from your job? 43, maybe. Okay, so 43. First of all, you guys spend more on going out to eat than she makes in a single month, right? That's crazy. but 5,500 comes in. That's our total household number on just a normal monthly basis.

Take that $2,0.067.20, divide that by the $5.00. And, I mean, that's your percentage of spending, but of course, our spending is all. Percentage of income, income alone that is going out to eat is 38%. just going out to eat. That's more higher percentage than people are supposed to do for the roof over their head. What the flesiol are we living?

It can't be healthy for your kids too if we're being objective about it, right? Putting feelings aside, it cannot be healthy for our kids. If 40% of our income is going out to eat and are we going out to eat sweet green? I think I have a problem with binge eating, which is a big issue. Okay. When? Walk me through it. What does it look like? I like to go out to restaurants and go out to lunch. So even when I pack myself, by yourself? Not whenever I go to dinner, but like whenever I'm going to lunch. By yourself? Yeah, I do go by myself. And I'll spend over $20 just on food for myself.

I guess it depends on what, I mean, where are you for $20? Because $20 stretches so far, you know, only so far. Taco Bell, McDonald's. It's what it's stretched as far to talk about that's for sure. McDonald's, little hit or miss these days. But, okay, you can tell in fact, because I have an answer to that. So, okay, and that's obviously not good. The binge and eating behavior. And you said even when you pack a lunch, you go and do this?

Yeah. Do you know this? Sometimes, sometimes he'll come back with his lunch, and he'll let me know that he went and got lunch instead. And how do you feel about it? Well, I caught her ordering DoorDash to her job or going down to the convenience store. What the fucking, why? DoorDash is so expensive.

I have DoorDash to my job, maybe like once a month if that, because it is super expensive. Okay, that doesn't sound like caught. I doubt it's once a month. That is some deflection if I've ever heard. Hey, you've caught it. She goes to Jaila's at least once a week. And what's that? The convenience store.

What do you get it? I usually get the red beans and rice that they have there and cornbread. They also have, like, I have gotten their fried chicken and their french fries as well, but I've been sticking to the red beans and rice and cornbread recently. We did agree that you would not order DoorDash anymore, and you kept doing it and also go into J-Lis all the time. Yeah, well, we don't really have anything to eat at the house. as we need to go get groceries.

Is that true we have no food at home? I wouldn't say we have no food at home. Then what the fuck is that kind of excuse? I do tend to just bring sandwiches. So she lied to you out of the gate. How does that feel? And you didn't even call her on it. You know you have food at home.

She says there's no food at home. So I'm going to go to Justines or whatever. Well, all the food that we do have at home is like, We buy stuff in bulk like chicken. Oh, sounds edible. Yes, but we made that agreement before you decided to pay all the bills early. And since I do all the grocery shopping and the cooking. Wait, what does this pay all the bills early, I mean?

So when we discussed earlier about when he makes the budget and we have what paycheck pays what bills. He sometimes will go ahead and pay them early like instead of on the due date that we expect them to come out. Do you guys discuss and budget this in?

What's our knowledge on this? Usually I'll just pay extra on like debt that we use for for like gas, groceries, stuff like that. Okay. I'll pay extra that way we won't get hit for interest. Why are we fucking so much? This is horrible.

How are we in this much debt, guys? Like, seriously. Your own perception, because this is actually a lot of paperwork. This is a lot of paperwork. More than usual on the show. We tend to get comfortable, as I mentioned earlier, and we will start spending on credit cards

that we have started to pay low on because we have extra money. or bills be paid early. And sometimes it's discussed, but not always as pays most of the bills. It just feels like different blames and excuses. I don't know. I mean, who would you say is the most likely to hide spending from each other? Point.

Okay, examples, because you both disagree. Tell me. Like we were talking about earlier, the DoorDash and going out to eat while she's working whenever she goes on lunch and stuff. What would you say? Whereas we have, most of our credit cards are able to be, most of our cards are shared. He does have two accounts that I do not have,

that I am not on, I cannot see. Really? Why? And the balance stays the same. She's an authorized user, but with certain cards it won't let her see them like, like she can't log on, but she can see like the balance that's on it. On your Apple card,

it does not show me that. It just lets me spend money on there and tells me what I spent. And then we both have our SOFI cards that are SOFI accounts that are separate. Yeah, but mine, all the money in my SOFI account goes straight into my investing account. So what's the issue?

Just that. sometimes I think with those extra cards that we can't check up on each other, we'll sometimes just spend extra money on those. Who's the reason we're in debt point? Go on. Completely disagree. Why? Why are we disagreeing?

We have always kind of agreed or like been on board with like bigger purchases. but smaller purchases, sometimes, especially when, like, the cars need work or other things. Go ahead. that's a lot more than we expected. We need to go buy these other things. Well, when I buy stuff for the car, it's because we need to make it back and forth to work every day. But I pointed at her because a lot of the bigger purchases,

I feel like I wouldn't have made without her, like, kind of like pushed me a little bit more towards it. Hold on. You had food poisoning yesterday? You sure it wasn't stomach flu? No, I don't think I was something. McFluh? Huh?

I know. How do you know? I guess I don't know. I just didn't feel good for like two or three hours yesterday, but I felt fine. No. I felt fine yesterday evening and I feel fine today. Not that I'm aware of. I hope not.

Can we get pregnant? She's on Earth control. I am on the birth control. Would we be able to get pregnant without it? Yes. Probably, yes, yes. Okay. Should we get a pregnancy test for you?

For the post show? Kidding, maybe. I don't know. Who tries harder to keep their finances on track, point? You guys don't agree at all. What is the disagreement on this? Why do you think you try harder? Why do you think you try harder?

Let's start with you, Bordeaux. I watch the finances more. I just kind of like watch over all of our spending and try to like make sure that we're not going above what extra is coming into the house. And that's why I feel like I'm more on top of things, basically. He

does write the budget, but he does not usually add in for the extra necessities, like groceries, and we have a dog, so dog food, and I go grocery shopping and do most of the, like, the shopping for items around the house. So when those aren't budgeted and accounted for, sometimes I have to remind

him and be like, hey, okay, yeah, these bills are due, but we need to save up this much so we can go. Or if we have plans with friends or family, usually I'm the one that makes the plans on the weekends. And I'm like, hey, don't forget, we're doing this and this on this weekend. So help. He keeps up with the bill aspect. And usually I'm the one who has to remind him of. the extra spending that we do have to also account for. What do you guys think your household financial score is 0 to 10?

I'm going to go 3, 2, 1, and on. 1. Okay, they are not following instructions. Okay, 1 and 0, got it. Okay. If you want your financial score, just takes the assessment. It's free. It's at Calebhammer.com or go to Calebhammer.com slash apply, and you can come be on financial audit.

But if you don't want to be in bad finances, like most guests on this show, all you have to do is download our dollar-wise budgeting. app and take the free trial. If you sign up for the annual version, I'll sign our budget-friendly cookbook that can't be purchased anywhere else and I'll mail it directly to you. And don't forget,

if you want to take all of our educational programs, you can sign up for Dollar-Wise Central and get them all at a much lower cost to make it more affordable to you. Okay. So a firm. A firm. I actually paid that one off.

You paid this one off? Yes. That's incredible. How have we paid this off? I took out a loan with my 401K. Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you,

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Or call AAA-R-A-R-F-I-R-F-E-Y-Fi-S-E-E-FY-F-E-F-E-E-F-E-E-E-F-E-A-V-A-V-B-R-F, break free from the high-interest trap and get your finances under control once and for all. What the fuck are you talking about? Why do you even use the word pay-off? Why do you even use the word pay-off, Bordeaux? Boudreau. Bordeaux. there's no R and the word except for after the B

I took out the loan with my 401k because it was a lower interest rate yeah but if you get fired from the job or you leave your job that can come do you have enough money to pay off your 401k loan no yeah and man we've had a great rebound in the market since the tanked a couple months ago

sure would have sucked to be able to see any of those are you sure the total math in the end actually makes sense what's the interested in the 401k it's 8% 8% yeah I mean this was at 32% why are we affirming though so much like affirm all the way up um a couple years ago I got a PC

um like a gaming PC and uh couple fucking years ago you're taking out of 401K alone to get a fucking gaming PC, by the way, is how that works out two years ago. What? This is a two-year-old gaming PC? So does he even have the 50 series in it? Mm-hmm. It was my Christmas present. To yourself? Yeah. We both agreed that I could get it for myself. So you said let's get a 32% interest gaming PC that will never be able to pay off and you eventually have to put your 401K essentially on hold.

Um, he did not explain all of that. He did say, could I get a gaming PC? And I tend to... You just enable. I, I have tended to... Why? You blame each other for everything. Yet you allow each other to do everything? Make that make sense.

What the fuck? How much was this? How much was the computer? Um, I don't remember how much it was originally. I think it was... Black Rock? Oh. Microworks?

How much, no, no, no, because you owed two, you owe three, two. No, the initial amount was $4,000. The fuck did you get? It was pre-built, so. Yeah, pre-built maxed out, right? Yeah. Oh, for fuck. Why?

Come on. What are you doing? Spends some time with your fucking kids and wife. You're working 60 hours a week. Yeah. Do you even have time for this? I like to play with my kids. I usually like, I've introduced them to.

On a gaming PC? Yeah, I have that And a couple of other things That I like to play with them Of course you do And how often is this To justify $4,000 a $22% Now putting in a formal one can hold

When he first got it He was working a little less So it was used a little more then But recently it's been maybe once a week Usually on a Friday or Saturday But he sell this thing It's not worth that much anymore What is it going to be worth like $1,500?

The GPU is still probably top of market, but the CPU is probably top of market, but GPU is definitely not at this point. Yeah, I don't think it's worth anything near what I paid for it. Oh, for fuck's sake. And now what's your 401K loan balance? $5,000, because I just took it out. And, of course, the payment gets taken from your paycheck. That's so stupid.

$5,000. What was it, $5,000? Because this was $2,541 when you took. took up the 401K loan. I put the rest of it towards, like, other debts, just like a little bit towards. What are we doing? So you've never actually made progress.

You're just taking out debt to cover debt. Yeah. And if you get laid off, what are you going to do to pay that five? Did you even know they could call it due? They very often do. I did know that they could call it due if I ever got fired or quit. Uh-huh. but I've never

weird tariff conversations going on that affects drivers truck drivers yeah okay well great so we're no longer spending on a firm right

yeah I'm not I'm not using a firm or not aviance what what's going on with this um oh you fucking well it's weird because you kind of

I try to pay that one off or you don't because feet what's the fee. Maybe you do. I can't really tell. It looks like you do. It's a 36% interest rate. So you fucking better. And also, fuck you. Two hundred thirty dollars of interest is here so far. Plus, there's a monthly fee. Why even have this if there's a monthly fee? You're essentially paying, you're replacing the interest even if you do pay it off. Right. I try to pay it off ever since I paid it off with my tax return. Right. Oh, great. So like a month ago.

Yeah. I pay it off every month, guys, starting a month ago. Okay, great. So $956 hour balance, and $83, monthly fees, just closest to the economy. It has the monthly fees. Why would you do this? Why'd you open this card?

It's my highest balance. I said, why'd you open this card? Yeah, so it has the highest amount that I can... Oh, highest credit limits? Yeah, highest credit limit. Okay. And I got it, so my credit would be better. That's why you opened it.

You're lying now that you're on camera. I know what the real answer your question is Lindsay told me what the real answer your question is because you answered it to Lindsay I think why did you open this credit card? I think I used it to put a down payment on a motorcycle You open this credit card to go on a gambling trip

Oh yeah In Mississippi That is true I forgot about that We I did not remember that being Why we opened this card But we did have

A couple days ago Yeah I just forgot conveniently how we forget once we're in front of the camera in front of millions of people. It was one of our friends' 21st birthdays, so we wanted to bring him out to Biloxi and go gambling with him. I mean, now you're just getting sushi bar, the queen, pastime restaurant, pastime restaurant, and pastime restaurant in Amazon. Told us stupid anyway.

I basically use it just to try to, like, negate the fee every month. I'm trying to use it and pay it off. That way I don't have... But the fees there, though. Right, but I get rewards every time I use it, so... And we were able to pay it off the last month that we used it. Yeah, because you got the tax return, but you have a balance now. Monthly fees are having you paid interest all years so far,

hundreds and hundreds of dollars, tons of fees, just going out to restaurants, getting Amazon, all this bullshit. Crazy, $25. dollar minimum payment. Listen, it takes eight years to pay off minimum monthly payments only. I know you're not doing that. Tell me about the reward structure. Um, I'm not quite positive. I think it's... Then how can you say you're doing the rewards to overcome the monthly payment? I just use it. I just use it until

it hits that monthly, uh, monthly fee. And then I try to stop using it. Or just close the card. Because look, you got into so much then in the first place that your accruing interest and not being able to pay it off until your tax return hit only because you have kids by the way is why you got a decent tax return yeah so thanks to them which is meant to help them you've just paid off your previous balances and now we're going on to eat again on these cards so either way you know that shows that this is a dangerous card to have because you'll fall back into old habits and we'll just wait till next year's child tax credit times two yeah i i i try to use it

just for things that we need like gas and stuff. But we do go out to eat a lot and usually I'll end up using it for that as well. We tend to go out a lot with coworkers and our friends that we go and see on every other weekend for D&D as they live a little over an hour away. Whenever we get there in the evenings,

we usually all go out to eat as a group before we play. I mean, I don't know, guys. It's just, it's just, it's just stupid the spending. It's just, fucking, you're still doing spending. We just saw the percentage of your income that goes to, it was 40% goes to going out to eat. And your kids eat what you eat most likely, right? Yeah, most of the time.

Okay, oh, there's going to be, some people are going to find the sole fences, but I also don't care because those people are probably the ones who will not make it to an old age. But how's the, um, um, cylindicor, the radius, the circumference of the children.

Our son is actually pretty small for his age. He's in the 11th percentile. This way. Both. Okay. And daughter. Our daughter is above in, I don't know, her. She's fat.

In height and weight. Okay. She is taller and that weighs more than she should for her age. Okay. Right? It's really not. Eating what you eat.

Yeah. It's probably not healthy going out. As much as we do. I mean, but that's how we doing? Not healthy. So, yeah, I would say it's not healthy.

And I'm sorry, again, I'm a fat saying this, but it's just like, when there's kids involved, they eat what you eat. You know, at that point, you've got to think about

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putting a utility payment on here in order to get the benefit that paid off the fucking monthly fee. close the card anyway. It doesn't make any sense. It's a dangerous tool. It's a hammer that you're fucking take it back and hitting your own head. Then we're not even using it for that bullshit. You're using it as an excuse to go spend money. More money. Lakeside Bar. Go in and getting some bullshit. Bianca Bar and Lounge. Goddy's Pizza. Lakeside Bar. Dairy Queen, I think, maybe. Lakeside Bar, Kris cream, Chick-fil-A, Lakeside Bar, or Pan Express. Again, not one single thing that is considered even remotely healthy. Chick-fil-A you can sometimes get some good options. Chipotle, you can get some good options in Chipotle and Chipotle, okay?

But it's mostly just bullshit. And if we're being honest, are we doing the healthy options of Chipotle and Chick-fil-A? Definitely not. Okay. So, and thank you for being honest. But why? You have to spend in order to get the rewards to negate the monthly fee, but you're using that as an excuse to just go get fucking slop.

I think it also stems from the fact that I don't really have an emergency fund. I like to have that high limit to be able to use just in case an emergency. Why? In a high limit. What's the but you're just blowing it all on food anyway? How about instead of just going out to eat every five seconds of our life, we build an emergency fund? The crazy concept? We did have one last year before we totaled two of our cars.

No gap in a month. We did on both. But we had to get rental cars and put down payments on another car. We did not have a rental on our insurance. Not on our first car. That was totaled. But on our second car? We did.

Congratulations. Welcome. To corporate transportation. We did do that for a few months. We just recently got a... How did it train an emergency fund then? It was only $2,000. We did not have...

So it was a single month emergency fund is that. Okay. So that's different. Don't say we had an emergency fund. We didn't have an emergency fund. He had to barely, barely hold us over the corner. The fact that we drained a 2,000-hour emergency fund and we haven't built it back up is telling.

Baneridge ain't expensive. It's not expensive. No one wants to live there. It's a horrible place. No offense. But that's where all the cop shows are filmed, right? Yeah. These are the ones that I've seen.

So, you know, that's all the knowledge I have on it. Yeah. Plus, Louisiana is a declining state completely. So, like, it just happens. Okay. Okay. going on with this quicks over card. Which quicks over is that one?

Yes. Worldly MasterCard, Quicks over. I don't know. The one at $9190.93. That one's your quicksover. Probably used on a lot of the same thing. A lot of these cards we put money on. For what?

shortly. I don't see spending on here luckily, but there is interest accruing and it's actually max out. That's why there's no spending. Great. Okay.

Why did you open this card? I do not. Because remember, I know the real answer of this. You literally have told them the answers a couple days ago. As they know I'm going to ask the question, they put in what the answer is.

Because they're great. We have a lovely little system here. It's perfect. Hard workers. I. And the answer is insane. If I'm telling you the answer is insane, does that help you? Or is there insane things across the board?

We might have maxed that one out whenever I got my motorcycle. Well, maybe. Maybe. I don't know if that's the exact reason, but here's what I have. She opened this card after a fight about money, and this is her retaliation card. Who the f*** does that? Stop smacking your lips.

There was a lot of money being spent on. Boudrosend and there were some things that I needed such as new glasses and we were a lot of our card cards were being used for things they should not have been used for and we I was mad about it and I needed to have a way to pay for things that I needed to pay for and so What I see if I went back in time It's a whole It was spent on this card

To bring it to the max At 30% I just try Stop back in those lips I'm gonna get a spray bottle And I'm gonna spray you Probably a lot of the same thing That was used on the other cards Going out to eat

Gas It wasn't things you needed So that was a fucking bullshit Excuse That was a lie Probably After we first got it Why did you lie then?

Why'd you lie? It was it probably started as needing it for glasses but over the years it probably just got mixed in with the rest of our cards and just used for the same thing that they were all used for which end up being...

Listen, I mean, $66.41 in interest this year so far. I mean, it's not a high balance, but it's a max out balance. It's a max out balance. And he has said that you use this card for Amazon purchases. Again, I don't know anything about you because I'm going blind, but they know everything about you. We did use that card a lot

for stuff on Amazon for the kids. Pull up the Amazon. Do we share an Amazon? Yes, we do. Whoever wants to pull it up. Pull it up. How many times have you dropped this phone? I work with children.

Gun food grade powder. We were making bubbles. Bang, energy, kind candy, sugar-free energy drink. That one's me. Sugar-free pulling a lot of weight there. Wanderins, handmade, antique. envelope. We add those for

D&D. Cool. Fuck you, D&D. I don't give a fuck about your D&D. D&D is a fun game. Fuck you. I don't give a fuck. You're spending money when you don't have money when your max out of credit cards? What are you talking about? What are you talking about? What are you talking about? What are you talking about? Don't do a D&D. Don't spend on D&D. And then pay off your fucking debt instead of taking out a 401k K loan. The fuck you're talking about.

Don't replenish your $2,000 emergency fund. You don't spend money on D&D. Take. Wax stamps for the stupid fucking stupid D&D. antique wine scaling wax bees probably for stupid d and d. Double-sided glue nail stickers, vintage water cooler paper, bang energy drinks. Bang energy drinks every second of our stupid lives. Why?

We have five things in the cart. What do we have? Ooh, rotatable hangers for bras. I was going to say that sounds really nice until it was for bras. I was going to say that, I'd be open to it. Skirts, hangers, okay, we're condensing hangers. Probably have too much, too many clothes. at this point then.

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for our... Stop! How do you do it so much? After I just said it, then you did it half a second after I just said? I don't think I noticed I do it. No, no one's ever commented on it before the show. Um, just a, oh, she's got a wet mouth.

Oh. Oh, no. Stop it. Stop it now. In fact, I am going to go take a Sondermine therapy session after you just said that. Um. Hmm. Oh, nothing.

No, that's O's and O's, not to say anything. Okay. That's okay. Apple card, $2,313. What's going on with this one, guys? Um. The Kings and Queens of Ums. $2,313.30.

Minimum monthly payment, $78. People, I've seen so many people online since the history of the show starts, say that we pay for actors to come on the show and fix this situation. If this episode doesn't prove that they're not fucking actors, I don't know what will. This card he has access to. This is, I've used it one time. This is the Apple card that I do not see.

That I addressed earlier. I used it once. I used it once to go print something out. Minimum monthly payments only without any purchases. How long does this take to pay off, guys? What do we think? A couple of years. 60 years. Okay, 13 years.

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I have no issue showing her the card. So why doesn't she see it? She sees it whenever she has to see it. Why don't she has to see it more, Lady Bordeaux? I used to, but now I, it's had such a high limit the entire time. I can't imagine we're putting. I do. And we pay what card?

What bill do you have on there? I pay the Office of Motor Vehicles for Louisiana, $50 every month. So I pay towards it an extra 50. Okay, I just got information on this one. We're actually going to go more in the Post Show into this because it's very private information. Let's just say the vast majority of this balances through spicy material that has been purchased historically. And we'll go into the full situating in the post show for demonetization reasons and privacy reasons. So if you want to do that, check out the Post.

show. Gotcha. That's a lot of spicy material though. Over how long was the spicy material? And how much was filmed? I know. You've only a few months, I want to say. I did. That much in a few months. I did pay like yearly subscriptions. When you got goon written all over you. I see it, right? Is it a gunner, right? Is it a guiter. Right? Possibly. I tend to stay out of that business now.

We, uh, to stay out of the goon zone? Caused a lot of problems in the past when it was ongoing. Well, that's what you want to talk about in the Posh, right? Yeah, we'll save it for there. I get it. That's fine. That's fine. I know.

Privacy, scary. Hundreds of thousands of people. Millions at the clips. I get it. Okay. So notty, notty, nutty. Notty, nutty little guy. A goon card.

Little goon card? Okay. Wow. I just do free stuff now. card before. Well, so, no, okay. Lots to dive into there. We will get there. Total charges. Credits and returns to this period. Oh, you had some return. Well, no, charges. What were these charges for?

Wait, what's that? Um, probably Apple. Oh, Apple. Apple. Pull out your phone for me. Because she didn't have any subscriptions. I looked. Now, the interest that, uh, $214 this year so far is at a 26.24 percentage. interest rate. Again, minimum fee payment is to $78, $2,313.30 balance. If you're going to goon, you may as well goon on the Fizz card because it's a debit card that builds credit. Am I right? Unfortunately, there's not a goon certification with course careers, but maybe I can convince him to do it. But it is good for boosting your resume. D&D Beyond. Okay, probably cancel that.

No more spending money on D&D. Sorry. Sorry. You already got the PC. Enjoy it. Don't buy more games. I did that because I just got into DMing for the first time. Okay. And now you're out of it. Right? Yeah. We actually just finished up. Apple TV Plus is very good. But you're subscribed to your service. That's fine. That's good. Okay. I'll allow that. And I got a plus. It's not the end of the world.

And we need some storage here and there. Okay. Both of you with just absolutely f***ed up phones, by the one. I think it comes with territory of having kids. working outside who works outside he's in and out of his truck all day dropping and hooking the trailers

I only go like a couple miles I'm so sorry buddy but do you have like a Taco Bell right yeah I do go to Taco Bell Can you type in for me

if you may if you may be some kind your breakfast taco bell snacks all those stuff in as much detail as possible right exactly what you get in your average order is for breakfast lunch dinner and snacks please okay okay we're going to keep it going you as much detail the items and say the restaurant locations as well and break it down by breakfast lunch snack dinner okay quick silver card yours right the his burdews not lady bordeaux okay so Mr. Bordeaux, I'll let you focus on that for a second, but I'll read out this card. He has a quicksilver. In that quicksilver, he owes $2,4.73.96.

These balances are insane. These minimum monthly payments are stacking like crazy. Minimum monthly payment of $84. No new purchases, but interest accruing like crazy. Why not new purchases is borderline maxed up. 15 years to pay off if we do minimumity payments only without any purchases. And something tells me if we get a little. more room by the balance going down.

We're just going to do purchases. Historically speaking, at least on your guys' end. It is the $241 interest this year so far. What are we talking? What are we talking about? Fees and interest combined like $1,500,000 this year so far across all the cards we're looking at. We're looking at basically just under a 30% interest, right? This is our entire life that we're just destroying and putting on hold dramatically. Yeah, we have...

For what? For what? Just so we can keep going out to eat? We have kids We don't have an emergency fund And we have kids But we're going out to eat like crazy 40% of our income

Yeah No emergency fund Children 40% of our income Going out to eat That is deeply unacceptable Is it not? It is

Then why the fuck are you still doing it? There is no reason for it And anytime we go out With the kids It's always What's your breakfast? I accidentally hit in her. It was a breakfast crunch wrap from Taco Bell.

And what about snacks? You get any snacks? No, I typically tend to like gogerts or stuff that she sends me with lunch for snacks. All right, dude. I mean, again, this is just putting us all in these cards. We are looking at you are consuming 4,337 calories a day. You're supposed to be at 2,500. Yeah, more or less 25.

So I just wanted to call that out since we're having the conversation. Yeah, I've put on a lot of weight over the last, like, year and a half, I would say. Which begs my question, again, are you sure we can even have kids if we're fucking around? I don't think so. No offense, dude. Well, when you get like to that level, because I'm like on the edge, when you get to like, I think you're like double me maybe, I'm not sure. It doesn't matter.

It's not a competition. You're nuts, not po. potent. You don't carry the little swimis. Do you guys want to have another kid? I'm okay without anymore. Okay, well then you're okay.

We'll just die a 60 instead. But at least no more kids. Yeah. I don't know. What do you think of that? What do you think of that? 4,300 calories your husband is consuming daily. Daily.

That's not great. I don't usually count my calories either, so I'm not sure where I'm at. I usually just eat whenever on the weekends, we usually both go out to eat. You eat 4,000 calories a day. Possibly. What's your weight night? I weigh almost 300, and I'm 5'6. Not loving your AT&T or T-Mobile bill.

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We have each other. It's more than just you guys at this point, right? So your BMI is 48.4, which is morbidly obese. GLP1 medications before. Yeah, it can be a good way to do it. It can be a good way to do it. But even still, what, people lose like 30 pounds typically with that. Yeah.

So you're 8.4 points over morbidly obese. 8.4 points. I also haven't weighed myself in like six months. You think it went up? I mean with these calories. It definitely could have. It definitely could have. Now, I'm in the obese category, technically.

Obese class one. But then there's obese class two, then morbidly obese, there's overweight under obese class one. And then there's normal weight. In order for you to be normal weight, you would need to be at max 154 pounds, which is half of your weight. Half of your weight is considered normal weight. BMI is not perfect, but I'm just turning out because this is important to think about, because you guys want to be there for your kids.

You want to have energy for your kids. Also, your kid is eating what you're eating. Okay? If you're consuming 4,000-3 calories today, what are our kids doing? You know? Maybe is the boy a little more active? Is that why he's keeping it off? He's also younger, right?

I think he might have ADHD, so he has a hard time, like, sitting down. He doesn't sit down, and he doesn't. He's also very picky about what he eats. He is very picky. Good. In this context for the first time ever. Good. It just concerns me.

It just concerns me. Do you understand my concern that I'm not picking on you? Yes. Because a lot of people think it's fat-phobic to, like, talk about it in a medical way. No. If I was sitting there and saying you're disgusting for being fat, that's like fat-phobia, right? But if we're just talking about, you are not healthy. I talk about it all the time.

So I don't. Why have you done nothing? I'm a little bit of a hypocrite for that one. I think it's hard, like, working in the truck and, like, staying in the truck, like, 12 to 13 hours a day. Every truck driver I've ever seen is obese. Yeah. Absolutely.

Yeah. But you've got to pack your foods and you've got to find times outside of where they try to get some workouts in. And, again, I'm a little hypercritical for this one. Okay. Capital One's a favorite card. Who's this? That one's you. I believe that one's mine.

Okay. Cool. What's up with this? Not purchasing, interest is occurring, almost mixed out. I am not quite sure. All that to get to that. Okay. $1,863.15.

A lot of these cards we've had for years and they've had high balances on them. Probably the entire time. It takes 13 years to pay off. Minimately pay off. Minermently payment, $66. Apparently this is the same time as your retaliation card. I'm being told. Yeah.

We probably used on unnecessary purchases during that time And back in... I mean, you only stopped spending on it recently Because it's not that far from Max. In 2020, we probably used it for like Christmas presents and stuff as well. We did go on a trip out to San Antonio in 2023. San Antonio?

They had the solar clips. Yeah. Okay, but it's not expensive. I'm saying. Sure, we probably used. used one of those credit cards. Yeah, during that time as well. And used...

$36,000 in interest accrued this year so far on this card. So the 29.74% interest rate. Best buy. Screams you. Yeah, that's me. There he is. Well, we had just moved into a new apartment after living with my mom and some friends.

So better go get some gaming things. Well, go get some gaming things. right? Yeah. I'm a great but I play Fortway. We got a TV

a switch. We got a printer and a switch. And then we also got a printer I did it for some stuff for work at the time.

It doesn't get used super often. Yeah, it's a printer in 2025. It's like workplaces. I don't think we ever even got

paper for the printer. Ambition comes in all shapes and Guys, at First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. We've had paper. We have used.

Sell it. Sell it. Go to fucking cancos, if you ever got to get it, okay? You ever got a print. $1,160.19. This one's not maxed out. $11.62 minimum of the payment. It's actually interest free right now.

And I got, you got your TV so you can get your phone. 4-9 frames, I get it. Got a switch because you have a kid, which is a good excuse to get a switch. I can't find a good excuse for me to get the switch to right now. So maybe I need to put a baby in someone and then I can get a good excuse. It's a big commitment, though, just to get a switch to. 30.49% interest rate. Okay, so, oh, lots of deferreds.

Well, one ends in two end in a few months. And then the other three end at the beginning of next year in about six months. Yeah, I've been trying to make sure that. I'm able to pay those off before the interest hits. It's all deferred. $613 of deferred interest has been, is just waiting.

It's just waiting. What do you do? Guess to buy August, right? Yeah, for some of them. Yeah, a month and a half. A month in a fucking stupid half. You have to pay off $369.

I should be able to pay. that off. $369 divided by, well, really, you just have to, essentially just have to make that payment next month. Okay. You put that in parentheses.

It's essentially the only option that you get, oh, it's a 3D printer. I do have a 3D printer, but no, she's talking about the noise. Why do you have a 3D printer sell it? Okay.

Yeah? I think. Yeah. We got the 3D printer I think I got it pretty cheap Yeah Cause sell it Make a profit I usually use those

For like mini fix for D&D Yeah We're no longer spending money On D&D Yeah we just told them The other day that we were Cutting down Sell it

Often we were coming out there Sell it Hey got a TV You got a PS5 You didn't tell me that I was getting there Uh huh Professional Gooner

Always getting there Never arrives That's what she said. Why? You're just a gamer to the core, but you're blowing all your money. Put it on debt. That's about the fuck you if you don't make a massive payment by this next month. Yeah.

I think we had it budgeted in to pay extra towards that this month. You guys have no money. I don't know what the fuck you're talking about. Yeah, and the interest is insane. Okay, who has the Amazon card? That's me. Really? Yeah.

Okay, what's going on with this? I opened it because. I opened it because they had this deal going on whenever you first opened it to get so many like points on Amazon. Now the deal is that you're purchasing and you have a balance that you can't pay off that takes

eight years if you only do a minimum of without purchases which you're incapable of and $34.34. $0.25 of interest accrues on a monthly basis with the minimum of the payment of $49. That's the deal. It's a good deal. Okay. Yeah, I'm sure you got some sign-up bonus. Well, look, it's fucked you.

You're not credit card people. Yeah, we got... It's maxed out. It's actually maxed out. Yeah, we use that to get a lot of things for our apartment. I just realized that my Amazon Prime payment goes on there. And I've only been making minimum payments instead of paying the extra for that. Yeah, Prime and Crime Video.

I think it's been going up and set it down like I wanted it to. Yeah, that's what happens when we don't look at our finances. You guys said you looked like once a month, right? It seems like something we would catch. I usually just look at like the balance and and the balance isn't going down. What does that tell us? Maybe we look at the purchases. I don't think I paid attention to it that force.

$173 of interest this year so far. 26.49% interest this year so far. All right, financial audit listeners, I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple years, I finally made this switch. to a better platform for investing. And I got a lot of sign-up bonuses so you can get some money if you come with me. So I've made the switch to Weble because it is the first platform that actually makes sense

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And this is a much better platform than the one I was using before. So just go to Weeble.com or click this QR code. Links are in the description below. Just get started. Get money! Credit fucking one. Credit one. Who's credit one? That's me. Dude, this is the worst it gets.

This is like the worst credit card. Yeah, that was my first credit card. Yeah, I was like he's had that sense before we met. Me, man. Why? The fees that are just hitting usually. I used to have two. Then he did cancel one.

Then cancel this one. I have to pay it off first. Pay it off. $973. $577. At least you're not getting those fees of the butt, like usually with this. And then a 28.65% interest rate, four years to pay. It's all $49.

minimum payment. What did you put it on here? I think just random bullshit. Did you use this card to put $500 $500 down on a motorcycle or was that the last card? I think I did it on a couple of cards because it was $2,000. You put a down payment on a credit card

for a motorcycle. Yeah. Do you ride the motorcycle? Not in the last like two years. We're trying to. We've been trying to. We've had it on marketplace. We've talked to people. Then it's priced too high. Yeah.

Yeah, because we were trying to sell it for. What we sell owe on it because we financed on it. Lidow made some points on. I thought it was going to be cheaper because of gas and insurance. And then I realized that the driving in Baton Rouge is really bad. And it kind of scared me. And I was like, I don't think. Yeah, you'd get shot.

Yeah. At that time, we were living over 45 minutes away from his job. And we were sharing a car. so we're looking for something that was a little easier and would be a little cheaper for a second vehicle option. It turned out to not be feasible after we got it. But he wrote it for a while, and now the battery has trouble.

Oh, for a fuck, stupid, absolutely dumb, stupid, stupid fuck's sake. What the fuck? Who's Capital One, platinum? That's me. Is everything yours? A lot of it's mine I think we both have a platinum Okay, balance of $315.98

The minimum monthly payment of $25 What's going on with this? In November, we decided that we were going to get some outfits for Renaissance Festival. You f***ers. Oh, why do you spend so much money on this shit?

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You don't have an emergency fund. I figured. scale back. You scaled back. I figured after I paid for those outfits, we could continue to wear those outfits. So it was like kind of an... Yeah, you're wearing them to Walmart?

Just so the Renaissance Festival every year. Uh-huh, and? And we've only worn it once, so... For Friend Fest last year. We wore them twice, the two times that we went this past year. Oh, for fuck sake, dude. You've had a late fee this year.

I did call in. and get them to undo that. I don't say, it's not, it's not showing me undone. Okay. Undude. Not showing me undude. That Leapie was due to, we were relying on my paycheck to come in, and it was the first time my paycheck ever did not come in.

That is right. Why did not come in? Capital One had a big issue. So they shouldn't have to rely on a single paycheck to make a minimum monthly payment of $25. If that's where we are, we're beyond, we're not talking about scaling back. We're talking about going to zero. It's because I used my past paycheck to pay off all the bills because I figured there was going to be another one coming in for there.

Why live on the edge that always have a little bit of a cushion in the checking account like a thousand bucks. We sometimes have a little bit of cushion, but it's never been that much. It never lasts that long. Yeah. Hundreds of interest, I think. 27.99% interest rate. Okay, quicks over one. Who is this?

Probably not Finally back to her Good Oh substantial bounce with this one Let me tell you Maxed out 1,000 No about 100 bucks away

90 bucks away 1,000 558 $0.09 Is out on here With a minimum monthly payment of $58 What's going on? 12 years to pay this

Friott are off I actually think that's my Quicks over Might be your Quicks over Oh, dude This is you, you, you over it over again Maybe it is

you who's this house? Because mine has the $1,600 balance or... 30% interest rate. $197 this year so far. Why'd you go into this debt? I want to say that I just use it for just random bullshit. They're saying you got to get more credit. Yeah.

Just to have a higher balance, like a higher limit. That's so silly. Why have a higher limit that allows you to have more interest accruing constantly? Well, so ruins you. I get it and then I say, I'm not going to use this. We end up using it. And then you do it every single time yet you think that won't apply the next time? Yeah.

I'm not, I don't remember which one, but some of these credit cards we did use last year for the rental cars. And we did a group. That was Mission Lane. That was the Mission Lane that we used. I don't fucking know, man. Discover. Who has Discover? That's me.

Dude, it's just you, you, you, you. Yeah, I... You are the problem. Because I make more than her, I'm usually able to get more. But you also spend more. Yeah. But we're a combined household way we're not married. Why, again, maybe we should, I don't know, you guys just enable each other.

You guys are bad influences on each other. We blame each other. We do tend to enable each other on a lot of purchases. but it's the purchases that we don't discuss that seem to lead to. $58 minimum fee payment, balance of $1,668.28. $27.85 of interest accruing.

Six years to pay this one off. Oh, you got this one for a balance transfer. I wish you guys could tell me instead of what you guys told the producers the other day and then somehow completely forgot by the time you came on the show. Well, it's a balance transfer, but it's a 27.24% interest. Well, it was supposed to be a balance transfer

for a 0% interest, and then once I got it, it didn't allow me to do a balance transfer because they only had it for a limited time for some reason. So they marketed it as a balance transfer, but once I got it, it wasn't. So I just kind of spent it like

a normal credit card. May I ask, what's the level of down syndrome in this household? Zero. I believe. Okay, just check on the tail. Care credit We got that for our dog Of course we did

Because pet insurance Why would we? We do have pet insurance And well I guess that makes sense Because it's a 485 Instead of thousands and thousands Right? Yes

He So far this year Has had to have Both of his canine teeth removed For He was astray And we brought him for his Checkup this year

For his Rebees shots and everything to be up to date and they said both his teeth were, canine teeth were infected or in good, I'm glad they got removed. And so they removed both of those. He's also going through heartworm treatment. He is going to

heartworm treatment right now. Okay. Yeah, that's hard. The insurance doesn't cover his heartworms, so. Okay, it's bad insurance. It's because he had them, he was diagnosed with them before we got. Well, it was interest free,

$30 minimum payment. this expires on February, end of February next year. Okay, it is deferringing interest, $50 and $85 so far, $485. Pay that off, and let's call it, seven months to be safe. Okay, we need to make $69, we need to make a $70 payment on a monthly basis. So we need to make sure we're doing that. Okay. Okay.

32.99%. Yeah. We got to hit this hard. Okay, one main financial. Who's this? And why? I'm 25.26%. I think it's on both of ours.

But it might just be on my name. Oh, wait, what is this? Is this a car? No. What the fuck is this? We actually switched from a different loan that had a much higher interest rate. Much higher than 25.26? And much higher monthly payment.

It was because we bought a shed hoping to turn it into like a tiny home. Oh, guys. what the fuck are you doing? What are you talking about? And how'd that go? It did not. Yeah, we have not been. Are you renting it?

We were looking at. Are you renting it? No. So what the fuck is the purpose of this? We were looking to buy a trailer and we had put down a down payment. And we had signed paperwork and we're just waiting to sign closing paperwork. and something came up and we were not able to get it

but we had moved out of our apartment and we're living with family and we thought it would be a easy way to cheaper and have a place of our own and have a place for our own to move into.

But we haven't renovated it to live in. Ida hit later that year and then he started truck driving and then he was over the road for the next six plus months until we just don't have the money to renovate it

so where this money go to you're breathing heavy okay which is okay it's okay but it's another it's another indication of we should probably we need to really get on a diet

okay keep going a year after we got the original loan with the tiny house they cut his hours significantly so we went from paying the higher interest rate and almost $800 a month for it down to the $4.30 that is on the one main. Yeah, it's at $4.28.39 on a monthly basis, 25.26% interest rate. $10,932.18 is your current balance.

So what are we doing with this then? Can we get rid of it? We still want to pursue maybe living in it at some point, but we have to find the money to put into it to be able to Okay, what about Mission Lane? Who is this? That's mine. Dude, it's all yours. She's had two three or four. Yeah.

Most of them we share together we just Minimal monthly payment is $750 and $63 is the balance of the minimum monthly payment of 2673.

That was when we needed the rental car. Okay, well, we're losing $18.73. In interest for past rental cars, her $96 this year so far at a 29.99% interest rate. Yeah, we, even when we had the coverage for the second rental car, we still had to put the damage waiver on the car. Which was, how much? It was like $400. Yeah, it's...

Here's the bike. Here's the stupid mother, stupid. tip, like, okay, what the f*** even is it? What's the model? What is the bike? It's a 2018. A soft-tail slim. So you wrote it for two years? Yeah, I haven't written it in like two years.

We jump it and we start it every once in a while, but he has not drove it in a while. $430.430. $430 a month is the payment. Yeah, is the monthly payment. What's the balance, though? It's like 12,000? No, at what interest rate?

I think it's lower than that now. I think it's like 17%. Oh, 10,000? It's 17% for a fucking more. Yeah, we were just going to look at it, and by the end of the time we left there, we've been there a couple hours. I actually wanted not to get it that day.

I thought about waiting, and I was just kind of pushed. by the salesman and by pushed, oh, are you not a fucking are you not a man? Say no, not saying you can't say no to a salesman, but what the fuck? Well, it wasn't just him.

It was also Ruby kind of pushed me into it because it was a good idea saving gas and insurance. You pushed him into it. I, it was something he wanted. Do you know the death statistics around motorcycle stuff? A father of your child?

Yeah, looking more into it now. it definitely looks pretty dangerous. I've had a lot of relatives that ride motorcycles, and they haven't had any problems on them, so I didn't realize how high it was until after looking more into it. So I'm not upset that he has not been riding it as much. We have been looking into trying to sell it. But most of the inquiries we get are people saying that they can get a new one for not much more than ours.

Yeah, probably. So we have a good question. Mark of you guys versus when you got it. Yeah. So we have not had much luck with that. What are you trying to sell? You're trying to sell for the balance of loan. We're saying 10,000.

Yes. It's worth about 8,900 we're seeing. Yeah, we have seen that. We have considered putting it lower and then just paying the difference. So we would have less balanced. So you don't have another minimum of the payment. You can't do anything right now. Is that all your debt?

I think so. I think so. It is a very long list. It is a very long list. It is a very long list. It is $42,291.97 on bad debt, not a single thing good there. You don't own your cars currently? We do.

We do. Both of them we pay for. Is that not a debt? No. We own them out right. We own them. We bought them. Okay, good. $10 in this checking account?

What the fuck is this? If it's my checking account, my checks also just goes to. What are the condition of these cars, by the way? They're really old. Years and miles. They're 2001. Chevy Suburban and then a 2001 mercury. Wow.

Over 200,000 of both. Okay. So. The marquee. What are we going to do when they inevitably do not work sooner than later? I might do it yourself mechanic. Cool. Great.

You didn't for your last car, so. Well, those, my last cars were totaled. How? The first one, he had a one, it was just his car, like a one accident. I had a poll. What if you hit a poll, what are you guys going to do? You can keep fixing it, but that's also money to fix. That's what we had been doing.

And then the, we went and we financed a new car. last year after the first accident. You guys are throwing away a new car every three months on you guys just going out to eat? Every three months, the amount of food you guys are putting in you is the amount that you get a okay used car.

Not great. Four months? After I hit that pool, we did buy a new car. Which is what we used the, and then we used the little bit of money we had. Like seven days later. And exactly a week later, a guy ran a red light.

And we told the accident and no one looked into it. So we were deemed both at fault. Dude, this chicken account is $10.14. Yet we're going and getting some bullshit, door dashing, cash-happing out, door-dashing, chick-fil-d-a-d-d-lay, pizza hut, food-mart, food-mart, bullshit, bullshit, bullshit,

every time we go in there, this bullshit, your dumb little jailer thing. Yes. Surprisingly, no overdrafts this year on that one. He... And then this other one that doesn't have much money in it. All of our money goes into his... bank account.

The $10. Next checking account Wendy's McDonald's. Going in getting some BS. Lakeside Bar. Texas Roadhouse. Lakeside Bar. Waterburger.

Tip Pizza. Waffle House. McDonald's. McDonald's going in to get into BS. AMC. AMC. Chilies.

Atheum Woodrow. Dominoes. Lakeside Bar. Walk on. Punjab Diarrhea. It's an Indian place. Sounds about right.

And we win in a GUS. I can't know overdraft fees. Savings, one cent. We're on our way. I put all of my savings into a lot of safety for our kids. An investment account. That's not an emergency fund. An investment account is on an emergency fund.

You don't know what the market's going to do. Okay. This investment account $1,237, so that's what our big savings are. Yeah, currently. I'm trying to put $100 a week. Oh, and then someone who's principal financial group? That's me. Well, at $17,362.

That's a $4.1K. But for your age is definitely dramatically behind for retirement because before taxes, you're probably, times 12, probably, probably want you to, yeah, for your age, we'd want you at minimum. to be at about, see, 32,000.

So we're still dramatically behind. And then you have nothing, do you? Very little. Okay, we have nothing. Gotcha. Okay. Let's see if we can budget this, guys. This is, I don't know, I'm quite defeated.

I'll be honest. Just these numbers stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack. But your total income for the house is $5,500. Debt payments. Here we go. Our debt minimum of money payments, none of this is even a mortgage. It's $1,499.26. No car payment.

We do have a bike payment, but no car payment. This is insane debt payments. What's your rent? $1,200. Utilities? All combined plus Internet? $2.2.10. With Internet.

Good. Gas, room from Drive, Drive. Both of you combined? Probably like $500. K car insurance. It's $2.75 for both cars. Phone bill? $250.

Yeah! Do you owe on your phones? She still does. Once that's paid off, switch to T-Mobile. I saw you had, or I see you have T-Mobile, so switch to helium. $250, you said? Yes. It's crazy. Necessary food, you and your kids should probably be able to do $1,200, and that's being generous.

Can meal prep? and actually I'm going to do 1,100. You know prep use our budget-friendly cookbook meal prep and I don't care if you guys don't like it. Or if they don't, one, diet, two, financial diet. T.P. Find anything else? You and your kids need to survive. I'll do 350. Get 300.

Medical health care. Anything on a monthly basis? No. Co-pays, blah, blah, blah. Prescriptions, anything like that? No. I don't know if I should ask this, but Jim? No, Jim.

subscriptions we'll do 50 what's your pet insurance 70 oh it's 80 80 pet food probably about 50 anything else that needs to be in your budget I know $50 for the OMV what's that

office and motor vehicles 50 yeah I don't know how you're going to survive 5,5664 and 26 is what you need to survive on a monthly basis I mean you're obviously under water by $64.26. What the fuck was your plan? What was your plan? Because I can talk about a plan, but what was your plan? Because right now it doesn't make sense. I've been working a lot of overtime and just trying to like push to get.

This is with your overtime though, right? Because you said the monthly that hits your account is 4,300. That is on a month where I'm working 60 hours a week. I can work up to 70. This dude, you're going to have him working 70 hours a week on the road? he's not on the road he is at home he's not at home but he's at a 70 hours a week still 70 hours a week so you can work 30 it's not what I want he is required to work those hours at his job unless he is not required to work 70 just 60 70s 70s with 70s with

if they have you working Saturdays yeah I also pick up extra hours on the weekends and on days that we have people available to watch our kids It's essentially the only option. Listen, here's the thing. I don't know how you come up with $369 to avoid that deferred interest. You guys don't make enough money. But let's say you bring in $6,500 instead and you have an extra, let's call $900 with this debt.

$2,29,000, about $9,47 months or that still takes four years. Four years to pay off debt, but you guys bring in an extra net $1,000 than you do now. That's not easy. That's not as easy as that. guys I'll be honest this is what I think I might do I might prove our behavior by budgeting like crazy

stop paying on some of the debts budget like crazy no more spending show that you're being disciplined and if you can do that for three months come on the financial auto follow up channel let me see three months of statements and if you do that and you actually budget

you don't around bankruptcy sucks and ain't cheap, few thousand bucks, it ain't stressful, or it ain't not stressful, especially as a couple. Some can be less stressful, some can be more stressful.

These are a lot of accounts. And you got to pay for the legal behind it. And it's still going to be under credit seven to ten years, depending. It's going to, yeah. You're going to essentially have to stay at your place because good luck getting another big apartment complex type rent. You need to stay at your place.

As long as you can. But, I mean, still four years, bringing an extra thousand hours a month. He's already working 70. What are we doing with the kids and everything? It's hard. This might be a bankruptcy situation, but you need to prove you change your behavior before you do it.

Because if you don't, I'll see you here in two years again, being right back where you are. And we've seen that on the show. People who've been through bankruptcy and they're back to right where they were because they didn't change your behavior. So you got credit and then you got finances. Let's just settle with your credit.

That might be what I do. or put in the hours. If you can bring an extra thousand hours a month, there's that. Now I know we're going to talk about your crazy, uh, pornography in the post show. It's going to be very interesting. Very curious to hear about that because I don't know.

He spent thousands on that in a couple of months. But, um, yeah, that's going to be interesting. So I'm going to do your hammer financial score. Bankruptcy is probably the thing you got to come back on the follow-up channel. But guys, listen. join Hammer Elite in the description below join our membership Hammer Elite is the middle tier

it is the best tier best YouTube membership on the platform in the history and they have told us that as we are the second largest now on our way to number one on the platform because it is the best so join that thousands of hours of extra content multiple dedicated shows a day every single day of the work week not just financial audit more shows

that you get to enjoy throughout the day so subscribe it's awesome to get your Hammer Financial score spending a budget technically because a little extra money came in. Just do some extra payroll. You actually made it, but it just went all to fast food. So the spending within the budget, two out of ten,

because it still wasn't going good spending. Debt is horrendous, but at least no collections or IRS debt. So one out of ten is better as you can get without those two. Emergency fund, there's nothing. Zero out of ten. Retirement. Yeah. But if we combine you guys together, that brings you down dramatically.

So two out of ten, real estate, zero out of ten. It's going to be a hammer financial. a score of one out of 10. All right, join us in the post show. You already know it's going to be a really goony conversation. It's going to be a good one. But if you don't want to be like someone that would be a guest on the show, all you have to do is download the Dollar Wise budgeting app,

start your free trial, sign up for the annual version. I will sign our budget friend that cookbook, mail it directly to you, and join Dollar Wise Central, which is the all-in-one membership, which includes the budgeting app and all-in-one for a much cheaper cost and buying them individually. I'll see you in the post show. The decision was made today to keep this point.

behind the scene. You were sending pictures of the girls. I used to find out just because I would see like the payments on the card. It was like what? Something. It would also be like videos. Well they do just say my name.

People do this? You can tip on there for certain things. The fuck it. There's content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the son.

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