Financial Audit - She Hates Her Husband, But Can’t Escape | Financial Audit

Episode Date: July 15, 2024

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Kids not going to grow up in a very happy household. I don't want to be married right now. Me. Yeah, I can't. You don't want to be married to him. No. Gosh. Does he know this?

I've told him. He does scared me sometimes, though. Like, he can be a little reckless. I think he can change. Bring him up. Hey. Hi, I'm Lisa. I'm 23.

I'm from Dallas, Texas, and this is financial audit. Welcome down from Dallas. What do you do up there for a living? So within my job, we call it licensing. But like on job postings and like in the computer, it's chemical product specialist. Chemical products specialists. How long have you been in that? Since August, 23.

Okay. Cool. What are we making? $23 an hour. So I think like $48,000 a year. Okay. Now, if I'm not mistaken, you're married, correct? Yes.

Is this a dual income household? No. You're the breadwinner. Yeah. Okay. How do we feel living off of that? So is it a, okay, so you and your husband, do you guys have any kids? Yeah, we have an eight-month-old daughter. A month-old. She's little. So what does the husband do? Well, he watches her. So it at least takes away like the child care costs because those are insane. Sure. Did he work? He did. What was he doing? He was doing quality control at an oil place. Okay, because I see $2,500 hitting your account on a monthly basis, at least this most recent month. How do we feel living off of that for a family of three right now? It's really hard.

I mostly just don't look at anything money related, which I know is so bad. Yeah, well, that can't be a thing. I know, but I have so, I, like, I'll start looking at it. And then I will just freak out because I see like all the money leaving. account and like I'll just I'll just like kind of ignore it just like like an ostrich bury my head in the sand yeah but that just makes more money come out later why not start solving the solution so that you don't have to freak out when money leaves the account because I feel like no matter what I'll be stuck like no matter what though why do you feel

that way because that's not true. I was in bad debt as well. I am no longer in bad debt. And it wasn't the YouTube income that took me there. It, you know, it was multiple jobs ago that I started working to get out of debts. Yeah. And I mean, that's why I, what I kind of realized when I actually started watching the show, I was like, oh, I guess I can do better. And so I've started like moderately, I guess tiptoeing in it. What does that look like? What's a moderate tiptoe? I calculated my debt. Like I looked at all of it. I opened the medical bills that kept coming in.

I looked at them. Kept coming in. What happened? So I gave birth. I went to the hospital a few times while I was pregnant because I had hyper-emesis. Okay. And then my daughter was in ICU. And then she had another hospital stay when she was about two months old.

and my husband has a little bit of a medical bill as well from like an infection in his toe. Oh, all right. No, I mean, that sucks for him. Okay. So what are we looking at? Because this, in terms of stacks of debt, I feel like a lot of the people I've been reviewing recently, it's a lot of spending issues, but the stacks of debt haven't been as momentous as we've seen in the past. But all of a sudden, I feel like I'm coming back to closer to the beginning of 2024 when there's this a tremendous stack in front of me.

And there is a tremendous stack in front of me. I'm happy you finally looked at it. That's a good step number one. But what is happening? Because you got into, you're 23. I don't know. Have you accumulated so much individual debt? What is going on here, dude?

Oh, I mean, there's some student loans. So in total that's about 40K I think there's like 19,000 federal And the rest is Sally May Miss Sally Everyone hates her because she's a Yeah I should have one with Discover I guess They offered but I was like

Oh I've heard of Sally May But I took out a lot more loans than I was expecting to For college because I was plant I went to Texas Wesleyan and I was planning on commuting from my house to school, but that ended up not being an option for like mental health reasons. It doesn't matter, but I'm curious. Sorry, I'm interrupting. It's interesting because I was raised in a Wesleyan household and like a lot of people I knew

they ended up going to Indiana Wesleyan. Is that Islamic? No. Oh, what is that? I'm sorry. Oh, this? Oh, yeah, sorry, yeah, that is. How was that going to Wesleyan, which is a very Christian institution?

What was that like? Uh, sorry, honestly, fine. Curious, okay. I didn't have any problems with any professors at all. Very, very, very, very, very Christian there, and they're like, wait a minute. Something's not Christian here. I mean, no, I mean, it is Fort Worth, but no one cared all that much, to be honest. I mean, there were a few questions, but that was really just from a few classmates.

It was an overall positive experience. Interesting. Okay. Yeah, it was just curious because I grew up with so many people who ended up going to that type of school. So, okay. I mean, I did get like a Bible verses under my dorm room door a few times. But honestly, they were supportive. So I assume they put that under everyone's door, right?

Oh, I never thought about that. It's a religious, like, institution. No, it was a handwritten note. Oh, like, yo. No, it was... Read the Bible. Oh, it was excerpts from the Bible, but it was like handwritten on like a...

It was an index card or sticky note, so I assumed it was from like someone close. Sorry, you can continue the story. That was just a detour that just popped into my head because it kind of related to my growing up. So, go ahead. Wait, what was I talking about? student loan debt.

Yeah. Okay. So. Mountains and mountains and mountains and mountains of credit card debt and other debt and terribleness and horridness and just really bad. So yeah, the 40K from school because I was planning to commute, but then I didn't. And then so there was dorm stuff, a very expensive laptop, to be honest. And also summer classes.

So I ended up taking out a lot more than I was planning to for that. And my credit card debt would like, like it went up in college to like, I think, 1,200, but then I paid it off. And so I kind of like got a little bit relaxed with credit card debt because I was like, oh, it got high once and I paid it off. And then I got more credit cards. That's what happens. See, that's. Yeah. Okay, sorry.

I got more credit cards and they upped my limits. Of course they did. So friendly of them. Yeah, that's what I was thinking, right? I knew I had to pay it off, but I was like, I did it before. I can do it again. It's not a big deal. So you did it again?

Yeah. Oh, you did do it again? Well, not. So this is your third time going into this hike of credit card? No, no, no. This is the second time. It's only the second time. So you didn't pay it off again?

No. Okay. I was keeping them pretty steady. I don't know. I don't remember what. What's steady? You mean near the credit limit? No.

It was. one is. Well, that was after my maternity leave. When did he stop working? Uh, so July of 2023. Oh, so before the kid was born. Yeah. Why the fuck? Why? He got, he got fired. Oh, okay. I may have missed that. Yeah, it's fine. Why didn't he get another job? Uh, that's complicated. Why is he not contributing to the household? Because, again, it's fine if like it's a single working household, but 2,500 is pretty hard to live off of in Dallas, and that you have an insane amount of debt,

which is going to prevent you from living the life that I'm sure you want your family to live. He just couldn't find another job. That's what he said. Oh, mm-hmm. Like, I can't force him to do anything. Force? You guys don't have conversations?

No, we do, but he doesn't listen. Why? That doesn't sound healthy. It's him. That doesn't sound healthy. No, I know, but I can't afford daycare. No, of course. It's not about that.

But if he was working, I mean, the goal is obviously throughout whatever daycare we're doing is to still get a net benefit in the end. How much was he making? He was making $21 an hour. So potentially, depending Dallas is a large area. There's lots of different places to look for work and for child. childcare. Yeah, I agree. It's just I kind of distrusted him to kind of do his own thing. And he said he couldn't find a job. And that's kind of been it. He said he couldn't find a job. So he became the stay-at-home husband. And I don't, I have a lot of issues right now, like marriage.

wise. You do? Yeah, but... Go on? Huh? Go on? But like... What? What issues? Communication is a big one. Also, it's like if you're a stay-at-home parents, then it's kind of expected that you also take care of the household. And I don't expect perfection, far from it.

but he just doesn't. The kitchen is filthy, like 99% of the time. Well, he used the fucking man up, it sounds like. Yeah, I agree. And you tell him. Yeah, but it's kind of hopeless at this point, sadly. Whoa, do you understand how powerful of a statement that is? Like, I don't know if you know that.

That literally, I, trust me, I am not trying to, uh, push for anything negative or anything. But I think if anyone heard that's hopeless, that screams divorce inbound. I don't want to be married right now. I can't afford daycare. Oh, fuck me. Yeah, I can't. You don't want to be married to him.

No. Like, I love him. I really do. Like, seriously. But, like, I can't afford daycare. Does he know this? I've told him. And he just says,

You've told him, I don't want to be married to you. He says, if you want me to leave, I'll leave. And then it's just like, well, I don't want you to leave because I can't afford daycare, dude. Whoa. It's, it's, that's literally, the fact of pain for daycare is literally the only, how's this, okay. Gosh, and I am not known for being the person who enjoys children super a lot. But, yeah, they live up to it. But I have to say, the kid's not going to grow up in a very happy household.

If literally the parents don't want to be around each other and they only exist around each other, not for the sake of the kid, but literally just to not pay for child care. Why are you guys married? Well, things were good. it was like after he lost his job there were just a lot of changes he got depressed and that happens when people get fired though that is a very natural thing

yeah it is and I would kind of push him to do things to help himself get better and he kind of just had the attitude of nothing's ever going to work and I would tell him about things that he would need to start doing like pertaining to you know

just cleaning up also just keeping things off of the floor because I was like once there's a baby there's going to be somebody who is on our floors who we can't have like small little choking hazards all over the floor he was like I'm going to change when the baby gets here he doesn't he didn't I went I had really bad postpartum depression so I went to therapy and I was trying like really hard marriage wise and my therapist was like a big contributor to your depression is that your husband's not helping and I think thought that she was like completely ridiculous. And then I got like another therapist who just didn't,

who I am still seeing and she doesn't really push anything like relationship wise. But it's just like after the last therapist, I've just realized a lot of things and it just sucks because feel pretty stuck. And how would the family feel? Okay. So, gosh, there is a chance this might calm off as insensitive, but I want to brace it as it's likely coming from just pure ignorance and I'm just very curious. Okay. Curious, because again, I was not raised in the religion that you are participating in.

Yeah. I'm assuming you are quite traditional if we're wearing the traditional outfit. Yeah. How does the family feel in that situation then about divorce? because that seems like a no option in the traditional versions of these relationships typically, or religions typically. So in Islam, divorce is allowed, unlike in, like, I guess, Orthodox Christianity. But it's not, like, recommended.

And I really didn't want to get divorced. Like, I didn't get married to get divorced. But you're saying now you do. Yeah, because I, because of the way that the relationship has went. I just say so nonchalantly. Because I've accepted it over and over again, like mentally, I've had to, I've gotten my hopes up over and over again. And then it's gone down. And how does your, how do your parents go?

Okay. My family would be okay with it. My mom was divorced. Also, my family is not Muslim. I converted. They're Christian. But. Was it for him? It wasn't for him, but he did introduce me to Islam. Yeah. Yeah. Like I learned about it through him. Oh, okay. So you weren't raised Muslim. No, no. Um, he was obviously and I've actually like tried to call his, um, tried to contact his parents and his sisters just to be like, can y'all talk to him? Um, his dad won't talk to me at all. And his sisters are kind of just like, oh, he needs to go back home. Um, but that's just not really an option still because of daycare. Um, and, uh, I mean, his parents wouldn't be happy about a divorce. And I told, his dad like that's the direction that we're heading but i still didn't get any sort of response i like his parents would hate divorce like they're traditional indians it'd be terrible for them i don't understand i've never met someone so comfortable saying i don't like my husband and i would like

him and the only reason not is because of child i've never thought i would hear something like that in my life that is absolutely that is absolutely do you like him yeah i love him i don't love the way that he acts and it's not good for my mental health. Honestly, like the way that I've thought about it is just I don't want to be separated. I want things to be the way that they were. Is it separated from him or separated in general? From him. Okay.

So there's still. Because I tried really hard. Will he go to couples therapy? No. We were in couples therapy and the therapist like started saying. like, well, you're making excuses. And he has to set up the appointments because I'm already going to therapy on my insurance.

Sounds like he's given up. Yeah. Which there's no winning from that. I'm sorry. And I know we haven't really talked about finances as much. I did not expect this. I'm sorry. Not in our notes or anything.

But obviously this very much pertains to your situation because marriage and child care and relationships that is all about the money. and that's going to be even more telling going to this. Feel free to take a moment if you want there are tissues over there. Over there. Right there. Yeah, so they're a little hidden.

Wow. Okay. Sure. Sure. So where would you assess your situation today financially? Zero being the absolute worst, 10 being the absolute best. Where do you think you would assess yourself right now? Zero.

Okay. Yeah, it's just, I have a bunch of debt. I don't really have any retirement savings. I don't have any equity. So, zero. Right. Okay. Watch your Hammer Financial Score.

It's free in the description below. And you can apply to be where she's sitting right now if you want as well at Calebhammer.com slash apply. So, yeah, let's start going into this debt. All right. Freedom card. Freedom. Maybe we're sitting at 2,917.

And 17 cents, which is just a couple hundred dollars, a few hundred dollars away from the credit limit. So is it? Yeah. Oh. What'd you think? Like $800 more. No. No.

Under five. Oh. I don't know why I thought that. Well, you went and purchased $76. So what are you doing? If you found the channel, you self-confessed to that. And I know you bought the budgeting program, so you're not following that, which, by the way, we'll refund you for it because you get it for free for being on the show.

And I recommend that anyone buys it. I mean, it's great. But, okay. But, yeah, you're obviously not doing that following anything that we've thought because you're going and purchasing on a card that you can't pay off and it's accruing $60 an interest on a monthly basis. It's a $98 minimum payment, which on your income starts really, eating at it away and then you don't want to be with the person that you're married to so you leave him and all of some child care pops up. I don't know how you're going to afford a $98.00 with the payment.

So we still purchase on here. That doesn't make any sense. Why are you purchasing? Because I tell myself, I need the rewards and then I'm going to pay it all off at the end of the month. You mean the credit card points? Yeah. No, you're not a credit card person. You're not even close to a credit card person. This is not how a credit card person manages things. If you want to be, if you want to take advantage of credit card, dude, just use a phys card. That's what we recommend to any. on the show because you just have to put the money in there up front and it's just that you if you're trying to take advantage of points and you're trying to take advantage of credit score you need to use those kind of cards can I become a credit card person yes anyone can I was not a credit card person I am a

card person I was not a decade ago but I am today but you're not right now so this I need you to move away from this now because you clearly have no discipline as of like literally right now so you can't become a credit card person in like five days. It's, it's budgeting. And five days? Yeah. What are you talking about? Look what you're doing on here.

You're taking the, you're putting the, listen, it's not these are just, huh? I said, I'm sorry for laughing. I'm just like nervous. I've accepted that at this point. It's annoyed me more and more based, you know, when people were on here, but I've accepted that people just cope laugh through the situation because it's a bad situation, but that's okay. It's mostly, it's transportation and urgent care.

Yeah. Which, it's not like I'm saying don't do that if there's urgent care to go to. I'm not saying that. But you're putting it on a credit card that you can't afford to pay off. And I know you had money in your checking account. So what are we doing? I never know if I do. I never look at my account.

I never look at my account. Then you look. Then you look. Okay. So my fear is I'm going to have to pay rent or like something is going to auto pay on my checking account and then I'll be out of money. So you'll build up your debt that's accruing at a 30% interest rate instead? That's dumb. But at the time, I'll be like, I'll just put it on here.

And then, like, I'll get home in a couple. Like, in a couple of days, I'm going to put it on my credit card and budget it. And then what happens in a couple days? I get too stressed out about putting my money on the credit card. And you're not a credit card person and you won't be in five days. If you get too stressed out just even existing in that, in that world, then just don't, you don't need to be a credit card person. Who gives a... Credit card?

I mean, not credit cards, like the credit bureau. I see what you're saying. So, you know, potential mortgage, something like that. I get that. But again, you can take advantage of different, like the one I recommended that still contributes to your credit score. And there are other debts. But when you have access to a credit line, you can't manage it. You don't know how to manage it.

It's scary. Yeah, so don't let yourself have access to it. It is scary. You're right. You need to close it. You need to end it. You need to ruin its existence. Okay, but I, that's like, the freedom isn't my oldest card,

but I have a discover that you'll see, and that is my oldest card. And my credit score is actually decent. Oh, I'm sure the debt companies love you. So I shouldn't turn it off because my credit history. I want to take a little break from the show to talk to you guys about something super important. You love your family and want to protect them, right? one of the best ways to do that is by securing term life insurance. Now, this isn't your parents' old and complicated life insurance.

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That's M-E-E-Tfabric.com slash Caleb. Thanks again to Fabric for sponsoring this episode. Listen, and I want that too, but again, again, the argument I'm making this, I love credit. I want people to take advantage of credit. The argument I'm making this is when you have access to a credit limit, you are proving that you cannot manage it, and it is more detrimental to your finances right now.

Sure, if you kept all the credit lines open, And even with those higher balances that you have now, you may have an easier chance qualifying for a mortgage. Absolutely. But you are going to be put in a situation where you're building up a balance is constantly. You have such high minimum wage stacking across all the board that you're not going to be able to afford to pay

for a monthly mortgage anyway because your finances are so... So that's my argument with that. It's not saying I don't want you to have a credit score. It's you have proven. Right here, dude. You're basically at the credit balance. You're purchasing an on the card that you can't afford off, afford to pay off.

It makes no sense if it's sitting in a 30% interest. So get rid of it. It's destroying you. It's 30%? Yes. It's 28.9 or something. Oh. I thought it was 25.

Well, it's not. That's what happens when we don't look at things as we think and we don't know. Because it's scary. 27% interest, right? 28.9. So I was correct in that. I was told that was wrong, but I was correct. It's okay, we'll beat them up in the post show or something.

Yeah. We'll take the bats we used to protect the office and we'll just, me and you together. It is scary. And if it is scary, then, why put more money on it? At the very least. At the very least, that doesn't make any sense. I'm also scared of not having a credit card

because my family is often asking for money, like in the family group chats. And I'm scared. If I don't have a credit card, then I'm going to become that person. Let me offend them. Fuck your family. I don't give a shit.

You have a kid. You have a husband that refuses to get off the couch. You barely make enough money for that area. You can't even pay your minimum wage. I don't care if they're asking you for money. You're not going to become them. if we just manage this. I'm sure you love them.

I love your family. Sure. Why not? But also, they're financial failures that doesn't define you. It really doesn't. And I know they can probably hear me in the lobby, so.

I think it's just my mom's husband. If he hasn't gone outside. Okay. Amazon Chase card. You almost paid a off, but then you put so much money on it. And then fees. Fees.

$9.43 of fees. There were fees for what? Fees. For what? I will find out. We will find out. I think. You purchased $1,000.

Let's have your paycheck. Doing. When was that? What are you talking about? It's right there. It's in the most recent month. Scary. That's scary.

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and it's not loaded with sodium. Just delicious plant-based flavors you'll actually look forward to drinking. Shop Ultima on Amazon or in store at Target and Whole Foods Market. It's fucking about that scary. Oh, come on. I genuinely did not realize I spent that much money. What the f- So I assume you haven't started taking the budgeting course.

I watched a few classes. And? I got to the savings part. So you're not enacting any of the education. I was going to. I am going to, okay. I'm going to do better. I'm honestly really shocked by that.

How? And you have $34 of interest and basically $10 of fees. You know, I just... A little bit of times is over the course of a month. Yeah. I just don't realize it. I just... It's like, oh, I'm going to go get something to eat.

Oh, this is a nice little thing. And I think that card is actually connected to our Walmart account. So I think I've been putting groceries on it. $1,171.31.35 cents a minimum payment of $133.78. What are we doing? Amazon. Uber. Uber. Amazon. Amazon. Amazon. Amazon. Amazon. Going inside getting some bullshit. Going inside getting some bullshit. Amazon. There's a class. I don't like that you did it on a credit card.

That's a memorial day sale. Yes. I think everyone should try to improve the financial situation. I wish I had access to something like that. when I did. Plus, you, like, we're giving it to you for, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

Amazon, Amazon, Amazon, Amazon, DART. Oh, that's the public transportation. Yeah. Pop belly, Uber. You don't, do you drive? No. Oh.

Why? I can't. Okay. I don't know how. Oh. Like, I've been, I've been kind of taught, but there's still some things I need to learn. It's pretty easy.

Yeah. Who can teach you? I've been told by like plenty of family members, like that they'll teach me. And then it's like you call and say, hey, can we do it this weekend? No, I'm doing something. Can we do it this weekend? No, I'm doing something. The dude that just sleeps on the couch constantly.

He can't drive either. Oh, what the fuck? We can't drive. How do we get the kid places? My mom. And you live with them? No. How close do you live?

I think we're like 20, 30 minutes away. She lives in, if I live in North Dallas. Okay. That's crazy. Yeah, I don't like it. I don't like it. For a mattress firm. A plan fee from mattress firm.

That was the fee. Yeah. When I was pregnant, we were sleeping on an air mattress. And then that got moldy. How long were you guys even together? We've been together since like 2020 is when we met. And then we got married in June 2022. Oh, okay.

And so. Was the pregnancy planned? It was. I thought money was decent. And like I know I had a ton of student loans. But in my head at that time, I was like everyone has student loans. Who cares? And yeah, money was decent.

We were both working. Things were looking good. And so. And now we're here. Yeah. Amazon Amazon. Yeah, but I needed a mattress because my back hurt. 28%.

Yeah, I would want to get a mattress as well. Doesn't mean you need an expensive one. I don't know how much was the mattress. 1,000. Okay. Well, that was the whole bed set. I mean, when I, oh, okay. Well, that might be okay then.

When I moved down here a few years ago, you know, I slept, I wasn't pregnant, but I am fat. No, it doesn't count. It's not the same. But I slept on an air mattress for six months, and then I just got myself a $300 mattress. Yeah. I slept on that for a couple years and finally upgraded last year. I can be done.

Don't need to get an expensive mattress. That's true. Now they will last longer. I honestly thought that was on the cheap end because like when I was there they had much more expensive mattresses. They'll sell you on anything.

Yeah, so I thought that was the cheaper end. Like I'd never looked into mattresses before so I honestly thought that was the average. And my mom has actually never bought a mattress either. She was with me. She's only ever gotten secondhand mattresses. So you brought like the least educated person on it? I didn't know who was educated on it.

Hopefully something that bought a mattress. Yeah, ask who has bought a mattress. mattress before? No, I don't know anyone who's bought a mattress. I don't think. What the fuck? Like, my twin sisters, they live with their parents. I think they just recently bought their own mattress, but that's been after I had mine.

My oldest sister, her and her husband, got a mattress from his mom. So. All right. You're Amazon. We're getting natural baby mucus thing, something that was refunded. Supplements. Amazon brand mama beer. Diipers.

Oh, okay. newly 120 piece breast milk storage Noah milks me in the post show gross I tell him to stop it's him not me ballpoint pens cute first father's day

I don't know a little bit of love there still yeah try the turgent why a daughter needs a dad you're trying to tell him something book it's a cute book My sisters got me the why a daughter needs a mom story from Mother's Day. And so I was trying to be nice.

And I got him the opposite one. Dual brush pen art. Spill stopper set. Ah, this feels just like. So what this starts to feel like to me is the, oh, that's nice for this. That's nice for this. Let me buy this. Let me buy this.

And then all of a thousand dollars of purchases in a month, which is half of our income. Pen brush. Jetstream metal edition pen. Ooh. And we really need that. More pen art. More pen art.

or pen art. Queen sheets probably actually need that. Ballpoint pens a notebook, three notebooks and other notebook because, oh, replacement orders. Yeah, because they like sent three packages out and then, like they said they were delivered and then they weren't. And so I got the replacements. And then the replacements like both sets ended up being delivered like a few days later. Do you regret any of these purchases? Yeah. I mean, mostly. It's just very funny. I didn't point out the purchases I regret. Okay.

This is very funny because I'm going to call you out a little. Just a little behind the scenes information from everyone else. You literally told us before this that you did not regret any purchases. I know. And then I ask you. Because now I feel bad. Now I feel bad because like you've shown you the debt. Okay.

Well, you know, that's actually valid. That's actually valid. Like you said I'd spend $1,000 in a month before I didn't think it was anywhere near that much. That is actually valid. I'm like, I'm not using the brush pins. The metal pin that I got, I thought it was going to be so nice because, like, it's metal. But then it's like super light and flimsy.

They're different colors. Okay. And then like these Ritech brush pins, I didn't need those because I already have so many other brush pins. Check it out. What is this? Right it. Right.

I like that pen. Isn't that a good pen? It's a decent pin. Okay. The weight is great, though. I like, I love the weight. I just like, like, I have to write with it more to figure out like the, like the, the, the, the, the, the, the, the

experience. Okay. Then return them. I can, I can do that. I can do that. Queen size do they cover more brush pens. My, what are we doing with all this? Notebooks, notebooks, notebooks.

Uh, baby Walker. He's learned to walk in some way, I guess. More supplements. We're just chucking those things down. They're for breast milk production. So many notebooks and stuff. I only brought, let me tell you the actual amount of notebooks I bought. because like the repeats make it hard.

So I brought one, two, three, four, five, six, seven, because there's that other one. So yeah, it was just seven that I bought, which is not a just, but there are some. What are you talking about? Dude, I have this one notebook. This is our third, this is my third notebook I've used in the history of this show. We've been doing this for over two years now. They were in the deals. And so I convinced myself.

The deals. You spent $1,000. in total. What do you mean you didn't? No, yes, you did. What do you mean? You just admitted you did. And then you regret to purchase it because you went a thousand dollars.

It was over the span of a month. So like in that moment, I was like, they're on sale and I'll use them eventually, which is not like after. Stupid. You can't afford it. You can't pay off your debt.

Interest is accruing. That's dumb. Yeah. Yeah. Next time I will budget it. But it doesn't help anything. I know. Get cheap pieces of printer paper or something.

That shit that you have to like tear. Like what are you doing? There's always alternatives. That paper sucks. Yes, it does. Your debt sucks. Your marriage sucks. There's things we deal with first.

Fair. I can go back to the 45 cent. Show the dude this video and he'll see a dude yelling at you and maybe that'll make a man up for the first time. No. Okay. He doesn't like you. That's not very nice of him. I know. He didn't like that I'm here.

I'm sure that's going to be great. It doesn't matter. I mean, it matters, but... It's okay. There's a lot of people that don't like me. We just, you know, that's what happens when you become popular. But why doesn't he like him? I don't know. I really don't. It's the face. It's the face. I have a little bit of... Should I call him? It's probably not going to answer. It doesn't answer his wife. Not all the time. Ring him up.

Hey Siri, call Future X. No. We're still got to have optimism. You're the one who said you were done. I'm still optimistic. It didn't sound like it earlier. I think he can change. Hello?

Oh. Hey, why don't you like me? Huh? Why don't you like me? Who are you? I'm Caleb Hammer. Hi, he hung up. I saw that co-vig.

I knew he wasn't going to talk to you. Wow. Okay. It's interesting. You'll never know. No, it's fine. I thought it was just fun. I was just going to grow him a little.

I'm sure some pair of social people who are taking that really weird right now. But like that was just, I wasn't expecting to hang up, though. Okay. Freedom card. Another freedom card. No, there's only one freedom. That might be another statement because I sent two statements. then I'll move on from this

because I have a freedom the prime chase and then discover it those are my three credit cards no I actually I have a capital one but I didn't submit that because I don't have any debt on it

but do you have a discover card yeah you said this was your OG card yes that's my first one okay we're sitting at $2,652 $42 and 42 cents a lot of these are lower now by the way

because of a debt consolidation loan Thank you. You didn't purchase on a credit card. I am relieved. Well done. Thank you. Well done. I don't physically have that one.

So that's why not because of any control. Because of any level of maturity or caring about your future. It's because you didn't have access to it. I could have requested a new one though and I never did. Oh, fuck me. Well, I take back my thank you. I didn't request a new one. That doesn't matter though.

If you had it on you, you would have spent knowing your behavior. That's why I didn't request a new one. Well, okay, then I'll half thank you then. Thanks. Okay. I'll take that. $76 is your minimum fee payment. $55 and 72 cents of interest is accruing.

It's going to take 10 years to pay off only during the minimum, which is all that you're doing because you are not prioritizing where your money goes because we do $1,000 on Amazon a month. 25.24% interest rate. Not great. Oh, now we start getting it. into the medical stuff. What is your insurance situation? I actually have pretty good insurance. It's Blue Cross Blue Shield through my job, but I'm insuring me, my daughter, and my husband, and they take out 480 a paycheck. Sure, sure, sure, sure. Yeah. What's your deductible? I don't know. Do you know if you've hit it? No. No? I don't know. Oh, you don't know.

Yeah, I don't know. Sorry. Okay. well this was in 20203 anyway you didn't even like try to find out the deductible i mean i figured my insurance would cover all of that like if i hit the deductible then my insurance it's always just good to check though because insurance companies i don't really like them i don't understand them to be honest i've just kind of like i got the insurance through my job i give them the insurance card and that's like as far as i go i mean if we're going to like an urgent care or like a different Was this in network? Was this in network?

Yeah, yeah, we were in network. You owe $3658. And what, if any, negotiations were there in terms of bills, just anything at all on behalf of the insurance, on behalf of yourself? Was there anything, any conversations? Some of it was covered by my insurance already. I know. They paid the majority. Yeah.

27,537. You owe 3,658. but still okay um okay well that's this is past due why haven't you enrolled in a payment plan because like it because i don't think i can afford it probably not that's why i was ignoring them i don't know you spent a thousand hours on amazon though i mean that was on credit this would fit in it yeah that was on credit so that makes it okay no it's not okay but like if that money left my checkings account then i may not have been able to pay rent yeah that your account is now significantly past due this must be another one this one is gaining fees i think

because you're not paying for it i think you're gaining fees because you haven't paid for it i didn't know that i think okay i'm trying to look because i think you owed oh blah blah yeah credits balance oh well maybe not so for this one is this all birth related um all of the texas health is either birth in ICU. Yeah, it's going to be either childbirth or in ICU. Okay. Or the visits from when I was pregnant.

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restoration is guaranteed or your money back. Isn't it nice to have someone like that on your side? Save up to 40% your first year at lifelock.com slash Spotify. Terms apply. Related to that. Okay. Yeah, that one's $84.00. Man, another Texas South. And they could probably put you on like a low payment plan too. I don't know. Like there are some that went to collections. And when I went to like the website and I like tried to look at possible payment plans, it started at like 200. I was like, I can't do that. How's the kid today? She's good.

Good. She's nice and healthy. Good. 1,213 from that one. Okay. Yeah, because that's, that was 40,000 bucks, but you owe 1,000 from that 45. So. Insurance is good for something.

Sometimes. Okay. What's Miram Med? That's a collections agency from medical bills that have already gone to collections. That was actually the one that I looked at. and like tried to see what I could do on a payment plan and that that's the one that started at like 200 through the collections not through the hospital through the collection well I think through the hospital they can be they're usually a little more generous with that but they already sold it no I know but but

that all of a sudden discount like that doesn't mean you shouldn't talk to the hospital about the hospital bills that currently exist okay because the yeah I mean the collection room they're just trying to just get all the money because they bought their money okay yeah you owe 3,452 on that one it's in collections though okay united revenue i'm assuming this is also collections yes that is i can't figure out i have to call them well is this also medical it's got to be yeah i don't i don't know the specific business i understand maybe not being able to afford minimum fee payments but it looks like you haven't like tried to pay anything so like what's been going on with that because i mean it looks like you haven't even attempted which makes it a little harder

for me to have sympathy about it completely? Ostrich head in sand. It was just like really stressful. I am terrible at handling my stress. Are they showing up under credit report? No, I don't think so. Yeah, there's been also rules changed about that. It was like, I think the rule was like if it's five, if it's less than 500, then it can't be

on your credit. But most of mine are more than that. Yeah, we do have one of three thousand five hundred fifty. It's way over that. I want to take a quick moment to think today's video sponsor, Morgan and Morgan. Ever been in one of those situations where you find yourself in the wrong end of an injury? Not just a scrape or a bruise, but the kind that could really throw a wrench into your life's plans. Yeah, I've seen some friends go through it, and it's tough. That's where Morgan and Morgan comes in.

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Yeah, I mean, you're just making it worse. You're kicking the can down the road. Then you're going to have to pay more. So it's dumb. And it's just, I get it. I get it. I can kind of shut down sometimes in an overly stressful situation. But you just can't.

You're, you're making that when you put, when you finally lift your head from the sand. You're just making it the world around you so much worse. Yeah. And then I bury my head again. because I realized how bad it is. And I am legitimately trying to stop that because I know that it has made this situation a lot worse than it needed to be. And there was a time when I was doing decent with budgeting and like things like started

to spiral. And then it was like that. I just kind of shut my eyes because I didn't, I couldn't handle the stress, which at that time, it was a lot less stressful. so I could have actually like forced myself to just deal with it, but I kind of covered my eyes and just said, la, la, la, la, everything is going to be okay. And then everything was not okay.

Yeah, I was going to say, how's everything? Yeah, it just. Okay. So they also give a year grace period, the three credit bureaus, they give a year grace period. Okay. Before things show up on the credit report and negatively impact your credit report, medical collections under 500 or not included in credit reports.

After the one day, your grace period, anything above $500 will start damaging your credit. It hasn't been a full year, though, but it's actually really close. Oh, that makes sense. She's eight months, so, yeah, that makes sense, sadly. But, and these are the changes that I've been following because this month, and we reported this in our Your Week in Money Show, got the CFPB proposal rule to remove medical bills from credit reports entirely, but it was a proposal.

Yeah. Okay. Yeah, so I just wanted to make sure you are as informed on that as possible. And anyone watching and myself. Okay, medical collections number three. I think there's two from that company. Yeah, this is credit systems. $208, $216.

Oh, my. No, no, no. You have three from this company, at least. I thought there was two. Well, we know you don't like to look and figure it out. I have a sheet of paper with it written because like I said, I told you I did go through them eventually. Oh, this Sally Mae. This is insane. That. So what did you study? Biochemistry. That makes sense. Because that's what you're working in. Okay. And you went to, you went to a private school though.

Yeah, because I thought I had most of my tuition covered with a scholarship and I thought I would be commuting from my mom's house. And so my payment was. would have been a lot lower. And you weren't commuting from your mom's house? I did the first two semesters. And then what? Well, then you wanted to party and rage? Absolutely not. I was not that person.

Mental held stuff from being in the house. And my mom. There's not a single person. There is not a single person, I swear. I mean, just like, I feel like I just everything. This is, okay. I don't want to discount what you say, but it really, I, okay. How do I say this without getting in trouble?

It's kind of like the thing where people, there's fatigues out there. Yeah. There's fatigues because people use words for everything these days. They overuse certain powerful words to describe certain people who do certain things, even though it undercredits the actual versions of those things. And every single person, I swear, I talk to in life,

not just to show, every single person, mental health wants them in mental health. And mental health is so important. You already see therapists, so I'm sure there is actually things there. But I'm just like, oh immediately you start getting fatigued because it's like well okay I guess everyone has an issue so it almost becomes like I don't know it's really difficult it's difficult for me to deal so what

were you dealing with at home um my mom was struggling a lot with her mental health and seeing that had quite an impact on me what was it uh she just had a mental breakdown. She was pretty paranoid. I guess you could say that. But me and her ended up moving in with my sister and she moved back in with her husband.

I did not move back with her. So you moved out? Yeah, and so I was living with my sister and I was in Garland and they didn't really have a good bus route. So you didn't have any mental health issues but it was hard to be around her with mental health issues? Yes. I mean, you started getting negatively affected,

but were you diagnosed with anything medically? Because that's where I also start to have problems when people throw around things without getting medically diagnosed. At the time, no, but like the semester, okay, so I moved in with my sister that summer, and then there was the fall semester, and then that spring semester, I started seeing a psychiatrist.

And so I was diagnosed with depression and anxiety then. Okay. Well, there you go. Okay. And my sister, they just don't have a great bus route in Garland. So I wouldn't have been able to catch the bus and then the train and then another train and then the other bus to get to Fort Worth. Because that's what I was doing my first two semesters. It was like a two-hour ride.

Did he go to college? Yeah, we went to the same college. Did he graduate? Yes, he did. We have the same degree. He graduated soon come lot. Okay, then he can get a job. Yeah, he's genius.

He's just lazy. He's very smart. But lazy. Lazy. I'd gift him a certification for the course careers, but I don't even want to waste it on someone like him who can't even do anything and get off the couch. Okay. So, Sally Mae, the low rate is sitting at 9.875%.

The high rate is sitting at basically 12%. Hey, by the way, did you know you're late? Oh, okay. I did know that. You did know that? Yes. My sister called for forbearance and they... On your behalf?

Yeah. She's a co-signer. Your sister co-signed and you're Sally Mays. Yes. Oh, fuck me. Okay? So they were supposed to forbear it and then they said that she was supposed to call back when she paid one month for me, but she didn't.

I called her. She said they did not. Why was she going to pay a month for you? To be nice. To be nice? Yes. Okay. To help out. Sure. So she said that they did not tell her that she had to call back and pay. But I talked to an agent and they said they could get me on a plan. And this was after I paid like 450 or 480, one of those. This was after I paid that. They said they could get me on a plan for six months to only pay interest. They went through the whole like disclosure statement that I had to. agreed to. We went through the whole thing. They said they were going to take like $2.60 something out of my bank account. And then it was going to start and it never did. And have you called them back? I'm planning on it. Why would you not call them back immediately? This is hundreds of dollars. It's so much money. To just be like, I'll call them. Yeah. Are you a little lazy as well? Has it rubbed? It's during my work hours. I don't have a good reason. I'm I'm not going to lie.

I don't. Okay. This is literally your future. This is your child's future. It is. You know? I think my logic is since it's their mistake, then that means that whenever I call, they'll have to fix it.

So that's why I haven't really been rushing. What's the SOFA loan for? Is this a consolidation? Yes. For what? What did you consolidate? Credit cards. What was that?

You didn't tell me that. I did. I thought I did. I thought you said you paid off the credit cards and you built them back up. I did. Did you mean you consolidated them? No. So the payoff was years ago.

I built them up. Then I paid them down. So it did happen. So you built them up three times. You said no too. So it was three times. I guess it was. Buddy, you're the one with a bachelor degree.

I don't even have that. Come on. I'm sorry. Loan balance $8,000 at a 13% interest rate. Listen. It's better than the credit cards. That's why I did it. It is.

It is. And you can save money that way. I'm not against the, product of consolidation as a whole. Because, yes, you go down for like 30 to 12. And of course, I like them for high yield savings accounts. That's what I use. That's great. But the thing is,

for people that have not changed the behavior, consolidation helps nothing. Because then you just build the credit cards all the way back up. And we already know you did because you're almost at the credit limits for those credit cards. And you're continuing to spend on them. So this is not a beneficial product to you. I would have only recommended doing this after you've proven

multiple months in a row that you have the behavior changed. the budgeting discipline to not build up the credit cards all the way to the top again. I thought I did. What do you mean? You thought you did? What do you mean? It was clearly my intention.

Like I got into that loan and I was like, okay, this is the end. I am going to pay off these credit cards. But you didn't, but you didn't prove it before you took out the product. It's so. Okay, no, I didn't prove it. See, there it is. You're not going to just change it in the moment. I keep thinking I can.

And then why can't you? I have no idea. you. I think I have a okay, this is dumb. But I was going to say, I think like there's something wrong with my brain. I feel like other people can just say they're going to do something

and do it. And I feel like I struggle a lot with that. And it's a human condition. We're all a little bit on the shorter end of the bus. Okay. We're all taking the ride in different ways. That's fine. That

kind of feels like an excuse, though, to just say there's something wrong. Yeah. And then we just continue doing it because there's something wrong and that's okay? No, I do try to overcome it. And I know that that's not a proactive way

to think. Also, you have a therapist that you can talk to this about. Yes. And also, if you know that's an issue, figure out coping mechanisms to deal with it. Because if you're able to diagnose it,

do something. If it was unknown and you didn't know that that was a thing, then okay, sure. Let's figure that out. But you know. it. So it just sounds like an excuse to me. Not saying there's nothing

going on. Trust me. Don't get me wrong. She also haven't done anything to solve it. I go to therapy. Yeah. Are you putting in the work that comes with it? Because just showing up isn't the name of the game. She hasn't really given me any new tools. I might need to find any therapist.

I mean, I don't know what happens in there, so I can't say that for sure. Also, to be honest, if you go through my statements, I have multiple charges of 105 from missed therapy appointments. If I go, they're free, but if I miss them, then they're 105. Why?

Why are you missing them? Mostly oversleeping, although last weekend it was because I unexpectedly. I can choose the time, so I was trying. So just later on the day! Yeah, I started to. They were at 9 a.m. and I kept telling myself, like,

if it's at 9 a.m., then I'll force myself to wake up. And I didn't. And then last weekend, it was at three, but then we unexpectedly went to a family function. And I was telling myself, I'm going to, like, just call in and, like, just go and step out in the corner. But I didn't have an alarm set.

You were all over the place. There was, like, no responsibility. It's crazy. Okay. That's wild. $8,000. Interest is $12.49%. $268 minimum minimum payment.

That's due soon. Yeah, it is. The bias of this balance gone down at all. Have you not had to make a payment? No. And that's just starting now? So when did you consolidate? May, I think.

Oh, this just happened. And you built the credit cards. No. From May? You've built it up since May? Do the statements have when I paid them off? Because the balances are lower now than like the 2000. I'm going to pull it up.

What? I'm going to pull it up. Well, that doesn't make sense. We request your most recent statement. We only have what you have. And we specifically say and indicate multiple times, tell us if anything has changed. We're not told anything. Sounds like you don't know how to follow instructions.

I thought, I sent the most recent statements. And that's what we just went through. What is happening here? Because the statement, they don't reset until the end of June. And they did ask about the significant financial change. changes and for some reason I just thought that they were on there. We ask if anything has. That's okay.

I'm glad that something might be smaller. I'm just going to give you the new balances because that that's completely my fault. So Discover is 442.10. 4442? 442. So you took that down from 2000. And I'm going to look. A Lego duplocet is a gift that always clicks

And clicks And clicks And clicks For all the kids who love to stack and play Choose a Lego set A gift that always clicks At the other two cards I mean they're still bad

Prime is 1712.5 That one went up It did? Yeah So that one went up. 172.5? 1712.5. So that one went up.

So you completely offset it. Actually, with the money that went down in the... Okay. The freedom is $234. Okay. $234. $31. Okay.

So that one went down. But one went up. So it's just like, mm-mm, mm-mm, mm-mm. Okay. Now that. Federal Cern loans? Yes.

Those are on, I'm not paying those right now. I don't have to until I think like March of, not March. Maybe it's March. Sometime in 2025, next year. Yeah. March 2020. The 14th. They're all at like four and a half percent.

One's at three and a seven. So I would minimum monthly payment until those are all paid off. Okay. I think that is that it? I think that's not up. the rocket money you're looking at. Well, then I'm not going to look at it. Yeah.

I mean, the savings are. Everything we put together. Yeah, the savings amount. And then I also have virtually here a firm. Yes, that is new. That's brand new. I won a photo shoot a while ago on Facebook. You won a photo shoot?

Yeah, on Facebook. Like, I signed up for it, and then they gave me like a $700 discount. And so. 700 discount, and then you had to pay how much? It was... I'm sure it was a real discount. So it was like, I think, $2,400. And then...

For what? Listen, listen. Okay, so we got an album. Me and two of my sisters, we got on payment plans for it, and they split it three ways. Discount to get you to spend money and you put it out of payment plan. Photo shoot. What are you talking about? Like a family portrait.

We don't have any of those. Does that normally cost $2,500? I have no idea. And so you just paid it without doing a Google search? I've never paid for a family portrait. Like an album of photos. Yeah, how many pictures? 19.

I could have just had my filmographer take it for you. It's a 25.27% interested. I did not realize. that by the way. Great. Well, you didn't realize if it was a deal or not either.

And I don't know either. I don't know either. I mean, let's find out. Average cost of a family photo shoot. $400 to $1,000 to $400 an hour. How many hours it take?

Like one. Yeah, you really got a discount. You have to get the price of the photos because they said that the photo shoot would have cost $300. And then it's just like actually getting the photos that cost the money. You're talking about that can't be true. That's what they said.

Hey, can you call on our photographer? I wanted us to have nice family memories. And I would like that too. That's not what I'm against. Does it sound like that's what I'm against now? No, it doesn't. I'm just giving you my reasoning like me and my sisters and my cousin as well. We have these photos of when we were kids and we all took photos together.

Yeah, yeah, yeah. And I just wanted to have that for my daughter. Let me see one of these expensive photos. Oh, they actually, they did send me an email with the photos. Brandon, we need your expert tees. He, like, legitimately is paid constant. Like, this isn't someone who just likes to take pictures. He does this professionally.

He does lots of shoots. Brandon, why don't you wave real quick into the cameras? Which ones? You just, you know, Brandon. if you've been around here for a while. That's Brandon. Can I see one? Yeah.

That's the low quality version that they sent out though. What are we looking at here? Do you do photography? No. Okay. I paid for like an album of photos for from a photography center. Oh, you were smiling? Yeah, yeah.

Oh, okay. So you're allowed to do that? I mean, my mom really wanted it, so. Are you not allowed to smile? No, like I took off my veil. This is very interesting. Because again, I'm very ignorant about that, but I'm also just very interested in general.

Okay, so why don't you explain to Brandon, this product that you purchased exactly what you got for it, how much it was and what you got off, and this thing on Facebook that you won? So I won a photo shoot from a portrait business, and they, they paid off the photo shoot, so that was 300,

and then there were 400 extra dollars put toward like whatever photos we wanted to get. And so we chose an album and the album was 19 photos and then me and my three sisters, we split the price.

Just tell them the price. I don't even remember that total. I don't even remember. Like each of us is on like a 900-something dollar payment plan. How long was the photo shoot? Like an hour? It was an hour and she got how many photos? In total there were 30 photos, 30-something.

We chose 19 to put in the album. Well, how many did you let you choose between? Could you have done all 30? Yeah, that would have been a lot more money. 30 over the course of an hour. He did editing and he put together this album for it. They haven't done the editing yet. They'll edit it and then send it out.

Okay, they will do the editing. Yes, they will. For $2,500. How does that sound? Could I see the quality of the, the stuff. They don't. They only have the unedited photos and the ones that they sent me are also like,

he knows what a photo looks unedited. They only, like, these are the low quality versions because these are like the free ones that they see. I can see through this. Oh, that's interesting. I mean, from where I could see, it looked nice. Yeah. But this is, this is a discounted.

You said 900 each? What's that? I think it's like, the payment plan is 980. And that was you shot for an hour? About, I believe. $2,940 after a discount. Can you show me his other finish work? And the reason I say that is because if he's spending hours and hours and hours making all your skin perfect, that's going to be tedious and that would make a lot of sense.

But if he's just kind of like cookie cutter, like packaging your stuff and batch editing with like a batch edited grade. Yeah. You know, that's like a $1,200 shoot. They have photos on their Instagram. Okay. That's cool. We need to capture all this information afterwards so we can pull this up. Oh, wow.

Yeah, no, this is cookie cutter. It doesn't change the backdrop. This is really interesting, actually. Did she get scammed? Because remember, this was the thing she won on Facebook. Yeah, you kind of did. Is this in Austin? Are you Austin?

No. That was in Dallas. Oh, wow. I know, we're in Dallas. That was in Frisco, but still, you know, DFW. The DFW area. There's a lot of photographers in DFW that could reach this quality in their sleep and charge you half the price. Okay, so you guys came.

Thank you, Brandon. Sorry. I mean, I'm so glad you got the experience. But, I mean, immediately when I heard you won a discount on Facebook, I was like, you didn't win a discount. This guy made you think you saved some money. so that you could come in and give him a lot of money. And then you financed it at 25%. I didn't really know how a firm worked.

That was my first firm loan. So I didn't even know like the APR until like days after. Remainty balance $400, $944. $91. Please make that you last the firm. Last debt at this point. except for a mortgage. Maybe a car loan at some point.

But careful with that. 25.27%. I'm trying to look at your monthly payment. What's the term? I think it's 36 months. Oh my gosh. $64. Kill me.

Kill me. Your student loans will probably be $250 when those kick in a month. So yes, no, you're right. The medical debt is harder to pay and get on payment plan because you've minimumed you payment yourself up to your, neck. So, drowning.

You just have to, you have to be done getting in debt at this point. Because that's just all you're doing and that's all you know how to do and with your purchases. You're just getting in debt, getting in debt,

getting in debt. And that's just your life. And at some point it's going to end in a bankruptcy. It's going to end in beyond stressful situations, not being able to pay for bills, not being able to pay for school supplies. And I don't want that. You don't want that,

but yet your action's right. now are literally literally doing that i feel like i'm just going for instant gratification and i know that's really bad it's been a thousand dollars on amazon and things you're just swiping that made sense on all those books you put that a thousand dollars you if you buy the s mp 500 just by spy not investment advice but if you if you were to have bought spy in moo moo moo thousand hours you let that grow 8% probably closer to 10 but 8% no additions over the next

I thought SPY was like 5% like the average. No it's 10 I think it's closer to 11 right now either way over the next 37 years that 1,000 dollars would have turned into 20,000 is just an example just an example yeah checking account $923 in there

here we go zelling out money going inside in some bulls. Fabulous app Paris. Is that one dollar? Yes. Oh yeah. It's a mental health app but I canceled it. I canceled it. What? It is. It's a it's like a it's like productivity slash mental health. It has like meditation and also like tasks for you to do for your mental health but it wasn't helping me so I I canceled it. Okay. Because one dollar wasn't the real price. That was a trial price. It's 40. Okay. Okay. Uber?

Dave? I did. You're not Daveing. Only once. Oh, don't. I did Dave and Money Lion. You did? No.

Oh, this has gotten so much worse. In the last inning. Oh, my gosh. What are you? I don't know if you guys knew this about me or not, but I love buying real estate. It's a great investment, and there is something about it that I just can't seem to get enough of. Now, I know buying real estate may sound like a complicated process, but I'm going to tell you it doesn't actually need to be. Today's sponsor, Equity Multiple is here to make investing in real estate simple.

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Once. Those are basically micro payday loan. Yes, that's why they're paid off and the apps are deleted. You can never, never, never, never, never, never do that again. Okay. Why did you do that in the first place? I was short for rent. You know why you're short for rent?

Because you spent $1,000 at Amazon. Dave. Monopoly comments. Okay, so I was, um, I downloaded one of those play games and win money apps. Not win money, but like, you know, you get so far in the game and you earn money. I realized it was dumb afterwards, after a while of playing because the goals they wanted you to hit were very unrealistic. But at the time, they said, you. said they were going to like there was a prize like spend three dollars in the app get three dollars

and so that's why i did it because i don't like the game i don't even like the game i was duped insta cash repayment davy ink going inside getting some you go inside and get some bull you're stuff for drinks and snacks what are you doing um is it racetrack there was that but then there was more on that other card we looked at as well you're like you win in amazon got something for like two and i have dollars amazon No, no, no, Walmart, sorry. You're just stopping in and you're just wiping for a quick sweet treat. I might have been picking up a prescription and then, like, got a drink.

That's probably it. Come on, dude. Uber. You have a, kid. Yeah. That's very important. Paying for. Paying for.

Paying for. Oh, I've done that a lot too. Uber. The paying for. Stop. You're just making it harder for yourself because you're just making those minimum payments. A stack. Chocolate.

Secrets. Oh, I was stressed out. It's a chocolate dessert place. Great. I'd be stressed out if I had no money too.

Probably can't get sweet treats when we don't have money. $205 in this. Nothing really happened. Yeah. Robin Hood. Our chance of the future.

$47. That's our retirement? That was... Is that our retirement? No. I, 401k? I,

there is one at my job. I have recently talked to HR about it because I'm confused about how to do it. They do it through fidelity. Okay. That's actually perfect with fidelity, actually, because literally, because, again, just like you're on here, take the investing class, go through it. We literally actually tell you how to set up accounts and how to actually manage that. Like, we teach you everything about that.

So go through both classes, plus you get a $300. And cash rewards from Moomu as well. So there's, yeah, go through that, please. Because I don't think that's what we're going to talk about right now. Yeah. Long way to go. Budget. I want to see if you have room here.

I'm a little nervous. The dude, I think the dude might need to step up. I mean, I'm already planning on finding a weekend position. I think he should have been here. I think he's kind of a... He didn't want to be on camera. I know. I think he's kind of a...

because this is like the chance that I think you guys have to actually make your family financially secure. And I get not being on camera. That's fine. He could have been off camera. We could have talked about. He didn't want to be here. There it is.

I don't think the dude's willing to step up and take responsibility in anything. I really don't. No, I don't really know him. I can't fully judge him. But just from everything so far. And I mean, dude couldn't even last 30 seconds on a phone call. It's like, I think he needs the man up. and actually contribute to the household.

2,500 comes in. Debt minimum monthly payment. $1 million. Close. $1,0.991.45 cents without any of the other minimumity payments that could be negotiated for medical. What's your rent? 1020 and then utilities usually take it to like $12.50. Oh, take the total to $1.25?

Yeah, yeah, the total. Is that including internet? No, internet's 50 bucks. 55. So the loser can sit at home and play in his video games all day? Yeah, actually, yeah. League of Legends. I know.

I've met people like that. What's your phone bill? $191. Why? Because we're paying off the phones. Okay, when you're done with that, switch to helium. I tell it to everyone, you probably already know that. 20 bucks.

I can't do that yet because you had to pay off your phone. Yep. Okay. Vroom, Vroom. I sometimes pay people for gas that drive me or oh that's right okay how much do you spend on average for like transportation with dart and Uber dart is just $100 a month for me maybe like 20 to $30 for my husband um if he has to do something like go to a doctor's appointment with my daughter or that how to get him outside yeah uh and uber can be like $100 as well. Honestly, though, I can cut back on Uber and ride the bus more.

That's definitely something I should be doing. Sure. 130 bucks. Okay. TP fund, anything else to survive for you and your kid and dude, 150? 200 because I know the newborn shit's expensive. Yeah, she still needs diapers. Groceries.

groceries I think you could do seven seven hundred yeah I think you could actually be better but we're gonna put that there cut it back as much as you can yeah in a healthy way no subscriptions medical co-pays um there's

$40 for my doctor my daughter's doctor's appointment and she has to go how often right now it's every three months so she has one coming up next month Then we're not going to put that in the monthly. Okay. Okay.

Then no monthly co-pays. It's just if I miss therapy, then there's that big fine. Well, don't. Yeah. Be an adult. Anything else I need to put in your budget that I have not put it in? I mean, your debt minimum monthly payments and your rent almost maxes out. Giving gas for getting new places.

Probably just 50 for catching a ride. I mean, I can already tell we're under. Yeah. that's why I've been scared. Yeah, but that just ends universe situation. So now is the time to confront. And that feels a bit high, but maybe I'm just sticker shocked. No, actually that was right, but I just lost the number.

Answer me this truthfully. Outside of the lack of, you know, I'm sure there's like a lack of, I'm sure there's a lack of just everything in the marriage. Lack of him respecting and communication, all the stuff. Lack of all that. How is he as a father besides not contributing to the house? But as like just the actual relationship, how is he as a father? He loves his daughter.

He takes good care of her. He does scare me sometimes though. Huh? Like he can be a little reckless. Like he likes playing with her. like oh okay yeah and so i get nervous because he'll like you know like throw her not like high but you know like put her in the air and stuff and i'm like is he a good father her to see bad or neutral he's good he's good well you're underwater on a monthly basis by 100 bucks that's not as

bad as i thought it was gonna be oh that's because i lied a thousand one hundred bucks oh that makes i forgot the first part that's terrible yes um that's because i just immediately started thinking of solutions. Yeah. If he gets a, if he's not willing to work and he's just going to be a little nerd sitting at home, jacking off all day, professional gooner, then I need you to get a better job or work more hours,

which really sucks. Or do your parents work full-time? Yeah. Well, my mom doesn't, but her... Or she wants to be a babysitter? Her house is not good for babies. Why? it has stuff everywhere.

Like it's filled to the brim. Is she willing to do something that's not hoarding? No. Okay. No. Oh, yeah. It's an actual thing. Yeah. I could ask her if she could babysit at my sister's house because she's done that before.

Mm-hmm. So I will ask about that. Yeah, ask about that. Because if you can figure out the child care situation, because yes, that's expensive. But if he also goes and works his stuff, I think net, you'll still come out positive. But either way, he needs to work or, and communicate and actually contribute and try to build something,

you need to talk to an actual family, because I'm not going to say, go get divorced, because I don't know. It's like, I mean, you guys do your thing, but also talk to like a marriage therapist

and they say get divorced, maybe get divorced. I don't know. I don't know. I don't know. Because you might have to live somewhere cheaper, but the finances it gets even harder as a single mom,

but you're basically a single mom right now, if we're being honest. I mean, not monetarily. But the, because he's taking care of child. Yeah. Yes. That's it.

But there's also tax credits. And daycares can be like $300 a week, man. I know, I know. But he could still, again, if it's $300 a week and he goes and makes $2,500 a month. It's like you guys actually close the gap and you can at least make slow progress on your debts. Right now it's an income situation. So he actually needs the man up or something major needs to happen. Or unfortunately, and it sucks that it falls on your plate, but you might have to work just a million billion or trillion hours, which I hate.

And that's not that's not the route. that I think we should go. I think he should actually contribute to the household. Now, don't give me wrong. You need to stop spending. You need to be fiscally responsible in budget. So this isn't an all-him situation. It's you as well with the spending and the budget and the recklessness and building up debts and consolidating and then building them up.

Bad stop. Okay? It's not an option anymore. We're not just buying 50,000 notebooks on Amazon. We're not doing overly priced photoshoots because you've got a deal. that you want a discount. We're not doing that stuff. We're not spending this kind of money anymore.

We're having free fund the most we can. And then, yes, he needs to step up, or we need to just find a way to bring in more money. Income solution. It's an always-solution that's coming into these issues. But for you, it's going to be a minimum requirement because we haven't even touched the medical bills. We haven't done anything.

And some of those are going to start negatively affecting your credit. So, unfortunately, right now it realizes a lot on the conversations you're going to have. Okay. Behavior. Yes, on your end. But for the income thing, there's some tough conversations had. Tell me what you think about that and how that's going to go, though, because I have no faith in him from everything you've said.

So what are we doing from your perspective? Because I feel like I've almost just put you in an impossible situation. I'm definitely going to look for, like, weekend jobs. Most jobs. So you're going to work more. So I'm planning on finding a weekend job. hopefully something that has like longer shifts at least like you know eight hours just on you know Saturday and Sunday um that's really I can I have looked at jobs in the area in my field most I'm

actually making like on the higher end in Dallas just for having a bachelor's degree in biochemistry if you go out out to like coppel and stuff then there's um higher pay, but that's very far. Like, especially because I don't have a car. Like, I can't drive out. Maybe just take a driver's class, though. Driving's really not hard. But that costs money.

It does. But again, if you're going to be making tens of thousands more, thousands more? Thousands more, yeah. Okay, thousands more. I think 500 bucks or something could be worth it. Okay. It's an investment, right? So I'd have to, like, budget that out. It's like school's an investment, right?

Yeah, I mean, I have 300 saved now, the 200 in EECU, and then the 100 in Rocket money. Sorry, you have to do this all on your own. Sounds like. Thank you. That sucks. I hope you make the right decisions for you and your future. Keep us updated. And if there's any resources we can connect you to, let us know. Get some of the behavior under control as well, just on your end and try to have some tough conversation. It's definitely a coping skills thing. I mean, I know you guys are relatively close to the family because we're having an entire family reunion out there. So like, let's, I think they can watch the kids sometimes, you know, because I'm just sometimes

which could help so my husband doesn't like when they wash her I really don't give her she likes and that's that because I don't like them so spending their budget oh let's see

make sure to stick around for the post show I'm sure there's some kind of bit but I'm sure I'll emotionally abuse Noah in some way as usual and then he'll physically abuse me in some way as usual. Yes. Okay. So total income five, uh, 2,556. Oh my gosh. Yeah, but there's an ATM cash deposit of 440 where that come from. Oh, I occasionally get bonuses, but they're unpredictable. Okay. So fine. 3,000 this last month. How much

do you think was spent out? Total. This last month. Yep. Most of, some statements. 2050. 4,016. Really? You thought it was less? No, absolutely not. So zero out of ten spending in a budget. You overspent by minimum a thousand. Debt, we have collections. Zero out of ten. Emergency fund. You've saved up now a second. So one out of ten. Retirement, zero. You haven't started. So zero out of ten because you're confused, which is fine. But real estate, zero. That's going to be a hammer financial score. Point five out of ten. Make sure to check out all the resources. Linked in the description below is they or what I use. use in specific situations, including the best budgeting program in the history of the internet

and the best investing program in the history of the internet where you get $100 in cash gifted. Thanks to Mumu. Now, let's check out the link below and watch the post show. Today on the financial audit post show. I just started moving you up right here. That would be an entertaining post show. Would you fight me if we like boxed? I need a month to not get winded like walking across the room.

We're going to do a health audit where you beat, where we beat the shit out. How do you go on it? It's actually very funny, except not boxing. It'd be like going to the gym. Are you going to fight too? No. All that talk? Uh-huh.

I'm a lady. To watch the financial audit post show, click the join button below.