Financial Audit - She Sucks... | Financial Audit

Episode Date: July 21, 2025

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When he told me that he was going to leave me. And you don't give a... Malillo. What can I say? What the fuck is wrong with you? I mean, that's not going to matter when you're dead. That's why we're in this. How long are you willing to put up with that before you say, okay, that's it.

We've done it. I have told her that this will likely end in a divorce. Hammer Elite is the best you do. membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pin comment below and submit proof and purchase at Hammer Elite.com.

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. Hello, this is Samantha. I'm 35. I'm Brad and I'm 35 and we are from Orlando. And this is financial audit.

Thanks for coming over from Florida, guys. What do we do for a living? Let's start with you. You're right in front of me, Samantha. Yeah. So I am a systems administrator. I work for an insurance company. Sure.

Is this full time? Yeah. Good. How many hours a week are we working? Well, it's very flexible. So it's a salary job. So I work typically like 40. hours a week.

Cool. Salary. What is it? It is 80,000 and my bonus is 80. My bonus is 8,000. 80,000 and then 8,000? Yeah, so it's 88,000 altogether. Bad.

That's great. What hits the account from your pay? I would say probably like 2,600 every two weeks. Okay, 2,600 every 2 weeks. Brad, what do you do? I am in IT as well. I am a service operation specialist. Basically, if one of our systems like Slack or teams goes down, I am the one that hit the alarm button.

I can see that. You fit that vibe. Rally the troops. What are you making? I'm making about 71K a year. Cool. What hits the account from your pay? Do you know, Mr. Brad? About 1,000 to my personal account and then about 1,000 to our shared account. Why is it split between two accounts?

We like to make sure that all of our bills go into the shared account, so that way we don't. So why are you splitting it between accounts? So I, all the bills are going in the shared account. So I have my own personal account for like my own expenses, like for my credit cards and for like things I want to buy. And then we have a shared account. And do we discuss how much is going to things we want to buy? Is that established or is it just being determined based on how much you want to put in your account? Yeah.

Okay. Yeah. So basically, basically like all of our like household expenses, like the mortgage, our electric bill, our phone bill, all that stuff is in that shared account. So we paid all of our shared expenses in there. And then we have like our own money in two different accounts. Well, I got that. I got that. We're not discussing how to navigate how much goes where, it sounds like.

So 2,000 biweekly, is that what I'm hearing? Total. Semi-monthly. Seam monthly. Perfect. So 4,000 a month. Yeah. 4,000, perfect.

Okay. So with that, that brings us to what? $9,200 a month, net. That ain't bad. People like the high-income earners. Here we have them. That's good. why the fuck are you on this show?

Why are you here? Ultimately, our spending has gotten out of hand and we need to fix our spending. Otherwise, I have told her that this will likely end in a divorce. How long has that conversation been going on? We had it probably about a month ago. Okay, a month ago and tell me about this conversation. Oh, tell me about this conversation because that is, I mean, that's, that's something big.

That's marriage ending. How long have you guys been together? We've been together about nine years. And are there kids? Yes. One kid. One kid? How old?

He's two. He's about two. So, okay, tell me how this conversation even started, what we went into. Like, how did you confront this? What did you learn? I need to know what all. At the beginning of the year, we were trying to determine how to best tackle our existing debt. And I've been listening to her telling me like, hey, like, everything's fine.

I've got money for this. I've been seeing a bunch of boxes come in and no boo-boos come out of them. The fucking boo-boos. What the fuck is wrong with you? It's a trend that's going to do. It's the, it's the, it's the, it's the, it's the, it's gonna die in like six months. You know, it's, everyone moves on to the next thing. It's the millennials, uh, Beanie Baby.

Oh, fuck. And I technically am a millennial by one year. Kill me now. You're bringing, why you got to make me feel like shit? Okay. Why are you telling them this if clearly that wasn't the case? Why, why, why when you guys sit down, you're like, oh, it's okay, I have the money. Oh, it's okay.

I have the money. Oh, it's okay. I have the money. Because I thought I had, I thought I would be able to pay off the debt with my paycheck that I would get. Like so I would, I would see like how much. What does that even mean? You pay off all your debt in a paycheck? No, like I would get money, like chunks of money from my paycheck into my checking account.

And then I could use that to spend to pay off parts of my credit card. So that's what I was doing it for when I told him that I had money was, I was. And was he aware of this entire? entire situation of the credit card balances, how much you're putting towards it. He doesn't look at my balances. Doesn't look at your balances because you do not provide or he does not ask. He doesn't ask, I don't provide them to him, but he just gives me like, he just asks me like, what are the balances like now?

So at the beginning of the year, you're like, uh, okay, let's talk about finances and she said everything's okay? Yeah, I mean, we were tightening our belt a bit because. Well, why? What was the wake up? What's the Titan belt? Well, escrow went up about an overpayment on our mortgage. What I would also say 80,000 hours of bad debt is something else to be concerned about?

Yeah, I wasn't aware of the total of the dime. You weren't. What did you think it was? I was trusting her to take care of it. So you didn't even know what it was? You didn't even have a concept? I knew there was a little bit of debt because we... Why were you not communicating?

and telling him what was going on with the financial picture as your nine-year-in with a child relationship and marriage. Why not make him aware? Because I'm just afraid about how he's going to react. What? Does he f***ing you slap her? No. Okay. Then what are you afraid of?

I mean, he just, he gets kind of confrontational. And I like say things. What, do you slap her? No. then what are we afraid of? She's afraid of what you're doing. Yeah, like, I don't know. Like, I just, I, I, I, I, I, I, under pressure and stuff, like, when he's, like, you know,

telling me about all of these expenses and, like, why I spent so much money, it's just, like, I kind of shut down. And I'm just afraid to tell him that. Yeah, but they're your actions. They're your actions. Why are you not able to discuss the negative impact that you're having on the relationship? Isn't that the point of a conversation is you have that conversation to address it? Well, I just.

give up and shut down, especially when a kid is in the picture. That's not fair to anyone else. Dory. Like, I just want things to be fine. Okay. What the, what the, like, that's not a solution to anything. That is not an action plan. I just don't, I just don't want things to escalate with our relationship. And that's why I try to do what.

To what? Does he slap you? No, he doesn't. Then what? What are we escalating? I just, I don't want him to yell at me. Does he yell at you? He screams.

I mean, he gets, like, He just gets kind of angry sometimes. But it's like, it's just kind of like. Well, no, no, no. Tell me about these conversations. This is important to know. She's kind of been the breadwinner. And I've been trusting her that she's keeping up with what she says she's doing.

And I've also been noticing a lot more that she likes to kind of keep up with the Joneses. Like her sister does something. She needs to do something. I have lifestyle creep. And you have a little boo-boo creep. It's not even. She sees influencers and she wants the little boo-boos.

She wants the bag from Disney. She wants the... We're going to do a little thing where the other person can't hear what the other person's talking about. Okay, so Brad can I hear us and I'm doing this so that he can't read my lips either. I just want to know, first I'm just going to start.

How has he contributed to this financial situation in your perspective? The financial situation, they are, we are walking into now and having a conversation about. I think he's giving me a sense of stability to tell me that this is really important to get financially secure. I think what he's, of course, he's providing his income, which is a big part of it. But I think what he's trying to tell me is that we need to stop spending things for treats.

And we need to. So him stepping in and being like, yo, we got to control the shit. That's his contribution. So it's all on you. And you've done what? Nothing at the beginning of the year. I did. When we had the big conversation and I have your last month.

I did try doing stuff like I did. Tell me how much the household spent last month. We know what comes in about 10K. What is it? 9,200, 9,400. I think maybe like 11. Okay. It was $22,229.

You don't know what the fuck is possibly going on. I did not know it was that much. Are you prepared to be a single mom here because the dude is literally confronting you ready to leave if we do not solve this? Ready to leave you. If you do not step up and actually bring a sense of maturity to this relationship for the first time in your fucking life, first time in nine years. You ready for single motherhood? No. Because that's what's next.

No, I'm not. And why haven't you changed the single fucking thing? Because that's this last month, it's $22,000. It was a lot. I mean, it was a lot of things. happen. Like, I just, I, I, I spend the card to be able to pay for our normal, you know, day-to-day things. I did things like I paid for, um, you know, our trip that's coming up in January, like, $750 went out to eat. Miss, un-shopping is $1,500, but even more so. Miscellaneous bullshit. It could be video games, could be whatever, could be tennis. I don't even know. It could be anything that is misleadies, bullshit. 4,127. That's your critical expenses needed to survive. I needed to do. So this is the thing.

So I got this thing with Amex, which was American Express, the platinum card, where I got these points. So what I wanted to do is I wanted to pay for our vacation. So that's what I did. I paid for our vacation that's in January. So I could be able to get the points. I can't end the vacation because the tickets are. Here's the reality. You're choosing a vacation over your husband's staying with you.

Well, it's for my. family. For your family. However, he said he needs to, you guys, you need to fix his financial situation. You're a part of it or he's leaving. And this is something that you are pushing for. This is something that you are paying for. How much did you spend on Pop Mar last month?

La Boo Boo's. Probably like 700? Yeah. Yeah. And he's willing to leave you and you're choosing $700 in La Boo Boo's. That's what you were choosing over your marriage and your child having a fully combined household that doesn't have to go back and forth every week. When did you learn in your perception that things were so dire hair?

When he told me that he was going to leave me? A month ago. Mm-hmm. Not six months ago when he was asking how your finances were and you're just like, it's okay, it's okay, it's okay, it's okay. I mean, he never, you know, he never asked about it. He was just like, you know, seeing things coming out and I would just buying stuff and it was, you know, it didn't matter because we make a lot of money.

We make almost $10,000 a month. So, I mean, if we figure out a budget, like, I'm hoping that you're able to give, you're able to give me later on. So instead of you taking any accountability, any action, any kind of effort on your end, you're waiting for me to come fix this. Good luck. I need a budget. That's what I need.

Congratulations. He was literally any budget in that preferably mine, but it would have done it automated. I do use it. That's great. How did you say that you spent only 50% on what you actually spent last month? incorrect lies bullshit. I want to talk to him now. When did you start considering whether or not you guys should divorce?

Saw the balance of how far we were in debt. Like we brought in, like we had a conversation earlier this year. I thought we were on the same page and thought we were going to do well. Like we sold her car. In this same page, the six months ago, how clear were you trying to? trying to ask about her financial situation, trying to understand it. How clear were you? Not very clear. I was trying to take on the aspect of being a trusting husband. I was trying not to be mad. I was trying to, like, you know, let her come to me if there were any issues,

because up until recently I didn't think there was any issues. And you brought up the divorce a month ago, but you said you started thinking about it when you saw the balance. When did you start seeing the balance? That same day, basically. Really? Yeah. Have you started to see any change? Yes. I have been putting my foot down a lot more.

So it's you. It's you stepping up. It's not her. It's me. I'm worried about my son. I'm worried about us as a couple. I grew up maybe lower middle class and went without the things that I wanted. And I want him to have those things.

So it's very... Why have you put up with her out of control spending for so long? I love her. It's hard. Like I want us to be a whole family because my parents divorced. I don't want my son to grow up in the same situation. How long are you going to put up with it? How long, like there might be an insta change, right?

Especially if you're the one that's honestly forcing the change, if we're being honest. But how long are you willing to give her before you call it and pull that trigger? What are you willing to do in terms of time? I'm willing to work with her to fix this situation. I know, but what's that timeline? Again, what if she's continuing it? Without you putting your foot down, you can't put your foot down endlessly. That's not something that's going to lead to a halfway-related relationship forever.

You controlling that's not going to do anything. Well, I didn't. In terms of permanent change, that's just you fixing it. I didn't know where spending was this bad. I just... And how long are you willing to put up with that? Let's say you take your foot off the pedal now and it continues. How long are you willing to put up with that before you say, okay, that's it.

We've done it. I don't know, but I know that point when I'll get to it, basically. It's hard to say. Like I said, I love her. I don't want my son to go in a broken household. I'll know when it happens. The reality of the situation is, I mean, you guys were on the same page about one thing. One thing, and that is the fact that he agrees.

he did not communicate effectively six months ago that he really wanted to understand what your finances were. It was a light communication. But why do you think? Why do you think he didn't push hard to truly understand your financial situation six months ago? And I think both of us, we just try to avoid confrontation when we have stuff like that happening. In a way, yeah, kind of sounded like that. I mean, he didn't want to be overbearing. You know, he loves you.

He didn't want to be that. overly controlling person. But what you guys were very far about is you think you're making changes. However, he completely disagrees. He thinks he is putting his foot down and forcing you to make changes. And you're not actually stepping up.

He thinks the only reason you are doing anything. No, I am. I'm stepping up. I have stopped buying, buying just random stuff, random shit. Like I've gone and just, you know, I haven't bought anything. I haven't bought anything other than what we need for the house.

All we do is fight about money. So right now I, he's he's seen me put my credit cards in the lockbox in our safe. He's seen me only buy stuff at the grocery store or only pay for gas. I haven't been spending money anywhere else. And I constantly have to shoot you down on this cutsy little item from Etsy. or at the store. Whatever.

Doesn't really matter where it's coming from if you're spending money on it. I mean, it's, the reason why I'm spending money on it is because I, you know, I feel like I lost out on my childhood, just not being able to have things like this,

you know? Like, just... Shut the fuck up. Wait, oh, that didn't come on. Yeah, I think eight years of Disney you should kind of make up for a lot of that. I,

I, yeah. Wait, eight years at Disney? We've had Disney passes for eight years. You can't afford

you can't afford anything. He's about the fucking walking and choosing Mickey? Buddy. He completely disagrees. I love Disney.

I love Disney. Which is fine. It's part, I mean, it's part of my childhood. Like, I always wanted to go. You always wanted to go.

You've been going for eight years. I did watch. You've been going for eight years. You've always, You've always wanted to go. You've been going for eight years. You can pause. Because they have new things that happen all the time at Epcot.

Like you can, like I like going. Like his st. Ginger's dick. You got her choose. God, I've had the same goddamn thing. You're standing up and you're talking about this too? Yeah.

I know of an end. What's your pushback on the Disney? He just doesn't. He just doesn't go. She likes to see his like little one night. He doesn't even go? Barely. It's like sometimes he just doesn't go.

Like he's just like, just like, just like, it's just for you. It's for me and my son. Like I want my, he's two. He,

I mean, he likes the characters. He likes going out. He hates, he does really like the characters. And he really loves Disney. Like I, he can't remember things

for at least the minimum another year. He likes the watermelon from the freaking resort. That's what he likes. I mean, he likes the food. I, there's like,

there's other things there too. There's like playgrounds. Like, like Epcot has like this little water like feature that he like to play in. You don't have to defend it. He's two. He is too. He has no memory of this.

But I'm getting him into like. He has no memory of this. Also, his father's about to leave. What do you think his timeline is for leaving if you don't change? And again, he says you're not changing. He is saying he is forcing you to change.

But essentially, the insinuation is if he stops putting his foot down, you're just going to go wild again. I don't think that's true. Why? I don't think that's true. And you disagree? I'm changing.

I, I, I, I, I applied for a job that pays a lot more. I'm going to use that. Round of applause. She applied for one job. Big change. It pays a lot. Yeah, but you applied. We can all go apply for jobs.

I have, I have a, I have great experience. I have really great experience. This is not an employee's market. Especially in IT. I contest with, especially in. The field that I'm in. The Bureau of Labor Statistics disagrees with you. This is not an area.

No, no. I am saying that's a great job, I'm sure. He's $150,000. That's a great job. I'm not, I'm not disagreeing with the job existing. You're not in a job market right now where you can just walk into a job. A lot of people are going to try to get this job. This is very different than it was 2021.

I disagree. I feel like I'm very, very highly valued. And I think I'll probably get the job. Okay. I hope so. I'm glad you. applied. Applying is not a, I'm making a change though. You literally applied for a job. And also, no offense, but someone like you that just blows all their money,

it's not an income thing. We already know you guys make incredible income. This is not you needing to go make more money. That is not the change that we need to see here. This is you cutting back making sacrifice. It's not going to Disney every second of your life for the sake of your family. This is not a you go get a better job. That is nothing I've brought up. I did not bring up once that you guys are not making enough money. You guys are making stellar money. What do you think the household spent last month? The month that she's changing, the month that you put your foot down.

What do you think the household spent last month? You know what comes in? 9,200. What was spent? Probably 11,000. You both said the same. It was 22,000. 22.

That's putting your foot down? That's her making a change. If so, I'm a little concerned. Like I said, that's not normal expenses. Those are expenses for... For a future trip that we want to do. Critical for survival. Critical for keeping our marriage together.

My sister is getting her vows renewed and I really want to go there. It's a vow renew. I don't give a fuck. I'm sorry. So we couldn't go last time because she. And it sounds like you can't go this time because you f***ed up everything. She got married on insurrection day so she wants to have her vows renewed again. So she got married on January 6th, insurrection day.

So she wants to vows her nude. Is this celebrated every year? No, no, no, no. She wants her family there to be there. for her vow renewal. Are you saying your entire family was at the capital on January 6th? No, I'm saying she got married on January 6th. No one could be there because it was in the middle of COVID.

So she's having a valernal for us to be able to go and celebrate their love. Which I love. I love, but I mean, that's where you have to communicate to your sister. Hey, I completely f*** up my own marriage by destroying the finances. You're just finding how much on this? How much on this? Bradley, how much on this? She told me $5,000.

Fine! That's not her trip to... Where is it? Hawaii. Oh! Oh! No, then she can't feel bad if people don't come. She's doing a destination wedding

and an expensive place like Hawaii. That's not her. We've never been to Hawaii, and I've always wanted to go. Congratulations. You've also never had a successful marriage where you both understood the financial situation in the marriage. and now you do and it's headed towards you guys

jumping off a cliff in Hawaii so or push her in a volcano I don't know I really want to go Hawaii because I never really I never really went on trips when I was a kid

and it's gonna be like a nice bonding experience between my family you know it's it's just that's why I want to go I care about your guys his bond staying together and also

I mean he's coming with me my son's coming with me my son's coming with me too. The one that doesn't have any memories to form? Yeah. I mean, he's going to go and see his family, like my side of the family. He will not remember it. What?

Yes, he will. No, he won't. He's not in the memory age. He'll look at pictures and he'll remember when he's older. Nope, those are false memories. I can't refund the trip. They can't give me money back for it. And I had thought about canceling it.

How much do you spend? About $6,000 for it. Number of what? Why is it? Austin six. Yeah, that number is going up. Why is that number going? No, no, no, pause.

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Girl math. I mean, it was other things, too, that you had to add on it. Like, um... First of all, why is it $6, $6,000? Because the flights are expensive to, from Orlando to Hawaii, they're very expensive. I made a joke about first class. And next thing you know, she comes to me like, oh, I bought first class tickets.

I didn't buy them. They came with the points for Amex. Then why is it costing us $6,000? Because they came with the points with Amex and they got applied and I needed an additional amount to be able to pay for the rest of it. Thoughts? Dude, what are you doing? he's on his way the fuck out and you're getting first class Hawaiian tickets.

What world are you living in? And I am sick of this childish, this childish excuses I didn't travel as much as a kid. Who gives a f f-ever about that? Stop being a literal baby. That is the most baby excuse I've heard about anything. You know how much I haven't done? You know how much I didn't do as a kid? That means I have to go do it all and risk my entire financial future.

for it? That is ridiculous. That is moronic beyond moronic. So. Guys, I didn't live in a $10 million house as a kid. I lived in poverty. I was getting foreclosure notices on my house as a kid. You want to get fuck? You want to jerk this off? We want to jerk each other off on the poverty fest.

I want to tell you. There was sometimes that we didn't have food on the table for dinner. There are, there are times that, you know, my mom. And what did they spend all their money on? Let's be honest. My mom and dad were very poor. Very poor, but where did the money go at all times? I had spaghetti for dinner every single night. It's all we could afford, blah, blah, blah, for course you know, we don't need to do a poverty jackoff class.

We'll all been there, okay? Okay? We all grew up lower. That doesn't mean you go and completely repeat the cycle and make sure your kid gets fucked. I am just trying to fill the holes that I had in my childhood and I feel like I pay my bills. So I deserve things.

My family deserves things. Yeah. What an entitlement do you have? No, I think the one thing that is deserving is your kid was born unconsensually. That kid did not have a choice. So set them up for success. Instead, you care about getting pictures of them when they have the inability to make memories. Instead of setting them up for success with a college fund with retirement for their parents so they don't have to put their life on hold and their,

mid-20s, mid-30s, to fund their parents because their parents did absolutely nothing, all for the sake of images and la-booboos. Filling the holes, fuck you filling your holes. How about you not repeat the cycle? Because you're repeating the cycle, if not even worse. Because you know what's sometimes worse than being poor? Wealthy people that get themselves into an inescapable position. Because poor, you can go up.

When you become in this position that you're in, where you're having a little bit of fun now, You make it so you will never have a future and you will be fighting and fighting and fighting for the rest of your life to settle debts, to go through bankruptcies, to try to exist, to try to not have your mortgage taken away, not have your house taken away. I feel like we still make good money. You do make good money. You are pushing it to the edge. We know that your household income net is what has totaled. your entire bad debt package. You know what?

It's not going to, like this debt's not going to matter when... Go on. Honestly, I just think Yolo, like, it's... Yay for the kid, yay for you. What the fuck is wrong with you? I mean, that's not going to matter when you're dead. When you're dead, but if you want to pass any assets onto your kid, it'll show the fuck will because they'll have to settle your debts.

So you're just going to accumulate all debt forever? Good luck. Really fucking. over the kid and any future ones that come about. He's going to be the only one. Well, so you're fucking him. Because we can't afford another one. I would like to have another kid.

Are you serious? So we want to have another kid, but we can't afford another one. Because if your actions and your selfishness and inability to change without him putting his foot down, you will not have another kid. The household, the life that the family that you guys want to have, you are prioritizing. To be clear, La Boobos! Like literally Over future children and over your kid's future

What the fuck? I think she should have an ultimatum I think you are correct in the ultimatum you gave Thought maybe it was a little dramatic at first No What the fuck? You guys want to have another kid But you're saying this is the only one

Because you cannot afford another kid When in fact you guys compared to the median household In the United States should be able to afford another kid more than anyone Medium household in the United States What is it? 65,000 hours Austin's like 75,000 hours Orlando I'm sure it's around there you guys are well and beyond.

You guys are the ones who can have a large family, and it would be perfectly fine, no assistance needed, set them up for success, and you are saying, no, fuck it. Yeah. Huh. Huh. Bradley thoughts on hearing all that,

because what the fuck? What the fuck? It's been my thoughts for quite a while, honestly. I can't, I have trouble verbalizing it. I'm very introversy. introverted. You have to be able to, I'm introverted too, but I can stand up for myself with my significant other, you know, it's only like seven months. You guys are nine years. It's a little different, but that should even suggest more than anything that you should be able to stand up

for yourself. We were doing good for a while and then just lifestyle creep, inflation. And I was just kind of used to her making all the money. because I honestly, I was going through college when we first met. I was trying to get out of the automotive field, go to IT, make more money, make better money at the less expense on my body. And I guess I just got used to calling her Mama Warbucks and was trusting her to take care of her. Why? And what did we set up to trust? Where did that trust come from? Because look, where we are today, it's going to take us a while to go through this. I can tell. Where did that trust come from?

Or was it just the trust of marriage? Trust of love. The marriage and family. And now that trust of marriage, love, family, is it not broken? It has been, yeah. And what are you going to do about that? Certainly eight $6,000 and first class tickets to Hawaii. I can't counsel them.

I would love to cancel them to make our relationship better. I can't. So I guess we're going. But... Sure ain't 22,000 hours of spending making 9,200. That was just a one-off. One-off. That is not true. It always gets to replace with something else. We all have weird

months, but every month is weird. Everything gets... The weirdness gets replaced with something weird the next month. I don't know. Just the last job I was making well over six figures. So I felt like that, you know... So we don't have the maturity to adjust.

Well, I mean, when I was making that much, I felt justified spending as much as I spent. So. But you were probably overspending or else you wouldn't have been in credit card debt. That still doesn't make sense. Well, to be fair, we didn't have a kid at the time. We also had one last dog. We were living in a living with my mom. Then why extra were we going into credit card debt?

Well, we were in debt when we were living with his mom. I actually say that was like back in 2020. So we went into 80,000 hours of bad debt in a couple of years. Yeah. On just her actions or would we say combined? I would say combined mostly mean. Brad, do you agree? I admit I'm not the saint or a saint at the very least because when I see her spending money on herself, I get jealous or envious.

I don't know the correct word, but I'll... And then what you do? That's an immature reaction. What are you doing? Well, it depends on your action after, but... Well, I'll buy myself a computer monitor to get myself... How many times can you do that? A computer processor.

It's not very often, but... He's a gamer. He was listening to Zelda in the headphones. Yeah. Pretty close, yeah. And he's been... He's been, since he got here at 9.30 a.m., he's been... He's been down in hard mountain dudes, by the way. Is that what's in the mug?

Yeah. All right. Brad's a fucking creature. I do want to mention something that I have seen on your shows, and you probably will think this is pretty interesting. So I'm actually a Marine Corps veteran, but I don't receive disability yet. Well, the first one ever.

And again, it's not that disability is bad. It's interesting that it's been literal, like, 100 people on the show or something. many of whom never went overseas or did anything wild. Why? So I am working on trying to get something. Okay. Well, for a fuck's sake. Okay, great.

Right now I get medical benefits. And what was your service? What you do? Well, I was in basic training and then I got hurt, so I got out. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goal. because we're built for what you're building. Fit for your ambition for citizens back.

After like several months. So, but I got hurt. Yeah. So that's why. I'm going to go three, two, one go. And on go at the same exact time, you guys are going to give me your household financial score. Okay, zero to ten, zero being the worst,

10 being the best. Three, two, one. One. Three. You're the one fucking it all up and you think you're higher. Why? I mean, I feel like the income's there. I feel like, you know, we have 4-1Ks, so we have some kind of retirement. How much is in our 401K is at 35?

Well, mine's not a 401K. Mine's an IRA. So mine is... Yeah, no, your guys' retirement is $17,578. Dramatically behind that would be about a one out of ten for retirements. dramatically behind for 35. At your income levels, you'd want to be at about, I'd say, 151.75. The number one YouTube membership just got upgraded.

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and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it.

Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. Okay, if you watch your financial score, take the assessment. It is free. Link below or at Calebhammer.com. Remember, if you don't want to be like, someone that ends up on the show, just download our dollar-wise budgeting app, take the free trial, take control of your money. And if you sign up for the annual version to save a lot of money on the

premium version, I will sign our budget-friendly cookbooks that can't be purchased anywhere else, and I'll mail it directly to you. And if you want all of our educational programs and the premium version of budgeting app combined for 80% off, go to dollarwise.com and join Dollar-wise Central. It has literally changed tens of thousands of people's lives, and it can change yours as well. Okay, we're kind of getting any of these financial documents because there are a lot of them. By the way, Ms. Laney's bullshit told her, didn't tell you, $2,500 in this last month. That doesn't include going out to eat, doesn't include unknown purchases, which are usually Amazon, Walmart, things like that, that we cannot tell what they are. So, real bad.

Now, credit cards, they tend to be with you guys quite separate and not a lot of authorized users, right, on each other, not a lot of sharing in between. Not necessarily. We do have a few credit cards, but they don't have any balances on them. And we do have all the, if we have credit cards that don't have balances on it, and then I have this stack, that means you guys have way too many credit cards. Yeah. And fucking crazy. Who has the American Express Platinum?

That's mine. What the fuck is going on with this card? That's the card that I use for travel. So every time I travel somewhere, I use it for... Every time we travel somewhere. Why? If you know you are drowning in debt, and even if you wasn't aware of it at the time, you at least knew you were drowning in debt. You could pay your monothe payments that are certainly not enough, but you were drowning in debt, certainly behind in a retirement.

Why the fuck are you allowing yourself to endlessly travel? Because I told myself that I would travel when I got older and it's not like. What is this weird obsession with your childhood and your adulthood? Because like, I mean, I like one, I like one on vacation. Like, I like visiting my family. I like visiting his family. He wants to go and see. You like wants.

Likes, wants, likes, wants. Need? Haven't heard it. I mean, you need to see your family every once in a while. Need critical for survival? Listen, I very much want to highly support it. Definitely a top want for sure. You guys will break down and die,

and your child will die in poverty. If you do not see a family at this exact moment when we are dying and credit card debt, road trip it up, where's the family? My family lives in New Mexico. His lives in Illinois. Perfect. Easy a road trip. That's a long road trip.

We've all done. Come on. That's really long. Have you seen the size of Texas? Yes. I live in Texas. Yeah, it's three days of driving in Texas to New Mexico. I would say it's a full day, but. No.

No, not through I-10. Yes. Unless you guys stop every six hours to sleep. We have a toddler. Like, we have to stop. That's fair. That's fair. That's fair.

But also remember the toddler does not need to see the family. I understand the family wanting to see the toddlers, though. Shouldn't be traveling like this. And even if we are, I mean, flights to New Mexico and Indiana, Illinois should not be the absolute worst. You guys are living this up. We're doing it way too often. Because listen, the balance here is $7,747.94 cents with a minimum monthly payment of $220.5. New charges, even though we can't pay it off while fucking...

Well, no interest there. She's kind of fees. $560 a fees. What the fuck is that? The annual fee. Oh, f*** a dick. Why do you need this? You don't need this.

Yeah, I need it for the lounge access because we have a kid. No, because you shouldn't be going on trips. I think we should. You think you, okay. Congratulations, there you go. You've heard it again. Brad thoughts because what the fuck? She's not changing.

I mean, life is enjoyable. That's interesting. I believe I asked Brad a question. I want to be the main character. Oh, I still asked Brad. Oh, okay. Well, she definitely has some big main character energy. She likes to be front and center on a lot of things.

And Leo, what can I say? And I'm only O too. You know that, right? Well, it's almost like it's all made up. Yeah, almost like a, uh, I did it for a $60,000 in debt. The star patterns changed based on our trajectory in the galaxy endlessly. What the fuck you're talking about? This is just what it looks like right now, the night sky.

It changes in hundreds of years, especially thousands. It goes deeper into that. It's like about spirituality and... I agree. Come on. What else? I've said the same thing. She said she's not willing to change.

That is because of the Leo. That's an interesting. Please don't divorce me tactic. Yeah. I don't know. I think we should still have funter with our lives, I think. I don't think it's, it should all just be just bills. and it's only all bills because of what you've done though it shouldn't be you actually would be able to budget in a lot of fun but you have prioritized way too much fun to film some deep bull trauma if i'm being completely honest like you go see a therapist don't fuck over your entire family i do see a therapist harder is that a fucking over your family it's it's ridiculous your life is all bills not because of what you have done it because of the life that you've lived these are the consequences of reactions

now. Your lives aren't all bills because you make no money and you're just trying to afford to survive. This is where you foot yourself. So yes, actually, life should be all bills based on what you've done. These are the consequences. Welcome to the world. Welcome to reality. You're living in it. You deserve it.

I just don't have any financial literacy. Like, I've had to learn all this stuff on my own. I've had to learn how to use credit cards on my own. We all. Don't listen to me at all. No, I mean, my family, they never had a mortgage. None of them retired, none of them had credit cards. So I had to learn all this stuff on the go. You know, I used to be homeless.

I used to have to learn how to open a bank account, how to go to college, how to do student loans. Like, I had to learn all of that on my own. Let me play a sad song for you on the world's smallest violin. Okay. I mean, most of that's pretty chill. I personally would rather come from a family that didn't have credit cards because the first thing they told me at 18 is go get a credit card and max it out on something you want. basically. Well, my grandpa told me that if you get a credit card,

just buy gas on it and then pay it off every month. She completely negated everything she just said. Sounds like she actually did get some financial advice when she was a kid. That's the only thing, though, but my grandpa never had a credit card. Until we discovered the next thing, because you know, immediately came in with that in the back and forth. So you had more, actually,

you had more credit card financial responsibility to talk to you than the average American, including myself and probably him. Well done. No one needs to teach you. you ought to apply for a mortgage. I mean, that's fine. You don't need to know that at 18. Student loans, I mean, that's pretty chill.

Again, I know you're five years older than me. You had access to the internet. You had access to student counselors. Okay, so that one solved. Mortgage, don't need a credit card. You got the advice. Personal loans, it shouldn't be talking about. What's our other complaint?

Our other, wow, wow, wow. Homeless, that sucks. But that, again, doesn't, if anything, that teaches you not to repeat the cycle, not wanting your kid to go through that, if anything. That's one of the reasons, again, I was not in that better financial situation, but one of the reasons I took finances super seriously

in my slightly early and then definitely mid-20s was because I came from a financially unstable household. So you going through that should encourage you to have gone out there and actually try to better it for the sake of your family and your kid. So I don't want to hear the bullshit excuses. None of us come from financial literacy, It's barely taught in school.

Some states, yes. Some school districts, yes. But come on. It's a Passover class. Sometimes it's an optional class. And sometimes it's not even taught. So, we're going. So she thinks you guys shouldn't prioritize bills in your life.

I mean, I think we should, but I think we should also, you know, think about having good memories. I don't think so. I kind of know what should prioritize having memories. So what are we going to do? Just stay stuck at home and do nothing. There's a lot of things to do besides just going on massive trips and expensive parks. There's a lot to do. Yeah, we have a pool in our neighborhood that I pay.

That's what a pool is for. And you want to go to Disney in Florida. A couple hour drive from the ocean as well. Get a picnic going. I guess that's true. Yeah, that sounds like a good idea. Yeah, and it's free for the most part. It could be a cheap picnic too.

I'm okay with spending a little bit of money. You guys make money. I'm not going to give you a zero-dollar fund money unless it's like so tight that you can't even come close to a 40 life. Okay. I mean, these minimums payments are certainly going to stack. This is just one document and it's $220.

Wine and spirits. Swab Tactical. Vera Bradley Sales. Come on. What the fuck is happening here? This statement's ridiculous. Already. Central Florida Zoo, I think.

That was for my son. I took him out on a phone day. Two year old. Two year old. If he's five, we're having a different discussion. He is two. What is he supposed to do? Just stare and watch like a screen at home all day.

Are you a bad mother? You can't think of anything else? I mean, the zoo is the court. Coco lemon's the only thing you can think of that's not a zoo. I did not show him cocoa melon. Yeah, we don't. Coco melon is like, that's like brain rot. No, we don't show that.

It is. But if you can't think of anything else besides going to a zoo. a zoo for your child. I'm kind of scared. That's why we're in this. I mean, it's free every time we go. No, you pay for a pass. It's free every time

it goes, though. But you're paying for a pass, and that gets you a discount and in park purchases, right? Like, you're still paying for things where you're there. I usually don't buy anything in the park. Or she usually buy things in the park? Churros. There's no churros there.

What are you talking about? Yeah, because you eat them all. Like, there's sometimes that we'll do the character meals and stuff like that. That's something. But not that often. Usually I'll just bring snacks for my son and, you know, we'll just go and hang out. Of which the producers were told that you sometimes spend about 200 to 300 every visit trip to Disney on food and merch. It's not every single time.

It's not every single time. That's what you told them on the phone. So, fuck you. ODI are on camera now changing your tune. Uh-uh. I don't think so. I trust them. They're much more willing to share all their deepest, darkest secrets

when it's just over our phone to the producers. Once again on camera, they get a little nervous and they little backtrack. Not going to allow it. Not going to allow it. Especially Colton. He's a sassy gay. He can get anyone to tell them anything. Like anyone, like him and Lindsay both combined are an ultimate force.

You betrater's Colton. Told you that in confidence. Oh, my God. Restop, crater shop, food court, cafe, Uber Eats, Uber Eats. We're choosing Uber Eats. When you're complaining about bills,

you're really just complaining about affording Uber Eats and going to Disney, getting merch and fucking zoos. It's a two-year-old. By the way, these trips you're doing for the two-year-old are for you. That is the reality because it's not really benefiting him. Obviously, stimulation. Yes, a lot for kids. A lot for kids that doesn't necessarily need to involve Zoo, Disney.

trips on flights, Hawaii first class. So then what are examples of things that are free for a kid? Like we, you know, we give them a coloring. Oh my gosh, parks are fantastic. I don't know if you've heard of them. It's hot in Florida. It's hot at Disney. It's hotter at Disney for some reason.

It's true. I've sweated my ass off at Disney way too many days during the summer. And I bet that swamp ass stink looking at you guys. Level two, swamp ass. So I like to tell you guys exactly what I'm doing with my own money, my own investing and things like that. And a lot of you know that I was investing in an app called Moomoo for a while. That's where I was doing my brokerage trades. But honestly, I decided I kind of wanted to move on from the over complexity because it should just be simple, honestly. So I decided

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I guess we can give her a high-five for that. Yeah, well, she can't tell me because I hate the freaking characters and the meet and greets and I have to see goofy one more time and punch him in the face. He does it for me. I like Disney a lot. Man, I've stopped doing it.

Get the hint. I would like you to continue going with me and Rowan. I don't want to go. Okay. I'm not anti-Disney. You guys can afford to go to Disney. Go to Universal. Switch it up a little.

I don't know. Yeah. Go to Cedar Point if you want real rides. Trust me. Much more fun. The zoo is cheaper. But you have prioritized you overliving. For so long now that now it's time to pay for everything you've already done.

And then you can budget in doing more things in the future. Oh my gosh. This is crazy. This spending a loan on this credit card is crazy. Here it is. Barnes & Noble. Go to a library. I know you have it.

Hawaiian. I was getting books for my son. He is a two-year-old. Go to the library. It's always close. I agree. I agree. Picture books, fun.

Read to the kid, fun. Go to the library. You can't afford life. I mean, again, this actually Barnes & Noble purchase within itself is not bad. It is the overabundance. It is everything that you're doing. It is an endless stack up of everyday purchases living well beyond our means and not

paying on any of the debt that we have. Airlines, Airlines, Airlines, Airlines, Airlines, Airlines, Airlines, Airlines, fuck off. Airlines, Airlines, Airlines, Amazon, Amazon, Rover for Pet Sitting, Uber, Uber 1 and Old Navy. There's your annual membership fee. We've had plenty more fees than that this. year. Why?

Because I upgraded from the gold to the platinum. Well, also, nearly $200 in interest this year so far has accrued. Great. And I'm glad we're paying membership in order to be interested in order to completely fuck our lives. Costco, who's is the Costco card? Mine. Okay. And what is going on with this? I did a balance transfer on that card. When? Because you're purchasing $1,084 in $0.99 in the last month alone.

I was using it for popmark purchases. Oh my Costco. It was, it was okay. It's at $14,364.15 with the $209.11 minimum fee payment. Again, La Boob is more important than La Kid. I, so it was more of a lazy thing for me because I had the city bank on my PayPal and I was using PayPal to quickly try to get the Labuboos. because they're really hard to get. So that's why I was-

Apparently not hard enough because this is- Okay. Pop-Marp, Pop-Marp, Pop-Marp, Pop-Marp, Pop-Marp, Pop-Marp, Pop-Marp, Pop-Mart, Pop-Mart, Pop-Mart, Pop-Marp, it's like a thousand f***oos. It's actually like 20. And they're hard to get? Shut the. They're hard to get.

20. Pop-Boo-Boo. in one month. Goff! You're choosing this over your child. You're choosing her over him. What do you think of 20 looboos in a month? How much do you spent

total in the boos? Whoa, whoa, whoa, how much do you think she spent? Hopefully not more than 300. Try doubling that plus. Seven. $700. Round it up. $700.

A lot. Booboo. And then Discord. Etsy. Swim life. Bulls, bulls, bulls, bulls, bulls, bulls, bulls. You're also paying, she's paying her payments for PayPal Paying for on here. So she finances something with PayPal Paying for,

and then she pays her payments of her PayPal paying for on her credit card that is a cruming interest. What the possible tit. That is insane. Oh, yeah, that kind of defeats the purpose. And she did that one, two, three, four, five times. Five times. I think that the pay-in-four is a little easier to use. Obviously not, because you have to pay your pay-in-for by using your credit card.

And it gates it. Just put it on the credit card to begin with. Okay. Which, no, I don't recommend, but that's basically what you are doing. You're just taking an extra step plus potential fees. Yeah, skip a middleman. Jesus. Like, why? What is the logic? I don't know. I just thought that.

But you put it on a credit card. Why? I guess that makes sense. What? Okay, so no, what you say makes sense. So basically with these loboos, which I'll show right here. Yes, we haven't seen it four times this episode. So basically it's-

I'm living with 21 of them. So trying to get these is really hard. So you kind of have to- Why you get 20 in a month? So you have to be like really quick to try to get them. You know, it's like, it's like trying to like refresh the page and then you finally get it and you get the one that you want and you do the blind boxes.

I'm so sorry, why are they more important? Why are they more important than everything? You can explain all this, but why are they more important? It's just a sensory thing. Like, I like having, like, collecting things. That means you only need one. I like collecting things. And that is more important.

You haven't answered why it's more important. More important than what? Paying off your debt, your financial future, keeping your husband around, paying for your kid's college fund, retirement so your kid doesn't... I don't think about it when I buy it. It's just impulse. Okay, but you purchase it endlessly.

Like once every day and a half. So buying the Labubis is kind of like... I did it get Labooboos as a kid. It's kind of like gambling, I would say. Like trying to get them online through Pop Mart is kind of like gambling. Like you're trying to get the ones that you want. And if you can't get the one you want,

you just keep the one that you get, you get duplicates. So I keep the dukements. Remember when I asked a few slapper? I now support it. That's a lie of it. you see. That's a around, but that is so dumb. I did give one to a little girl on the plane

and she was really happy about it. And I also gave it to my nephews too, like my duplicates. And they were really happy. Like, I'm wholesome with them. What about our son? He doesn't know about Lubu's yet. He doesn't know about anything yet. You take him everywhere.

To every expensive thing possible. You can't use that Labibu logic. I want to spoil my kid. That ends in. bad results as well. I'm going to be entitled Freaks. Freak, because we can't have another, because we're poor.

I do want another one soon. Yeah, well, good the fucking luck. Stop spending on the boo-boos. I'm done. I'm done. I'm done. I am done. I hope so. I hope so. Do you think she's done? I hope so. Believe it when I see it. Yeah, me too. That's what I'm exactly.

Honestly, like, I just get so inspired by influencers, like against by Disney influencers. In spite to buy Laboobo? When I think inspiration, I think of accomplishing a big goal. You're buying Labubas every one and a half days. I would say like TikTok, like people like doing the blind boxes. But about my TikTok where I say don't be a financial dumb ass.

How about that? Maybe listen to that one instead and prioritize your family. Well, apparently you're not getting inspired by that. Well, I am. I am. But I like loboos. 80,000 hours of bad debt. Can't stop getting Lububo.

start getting into it until the ultimatum came, but... Really? We would laugh at your videos occasionally, but... These videos are a wake-up call for many. I see it out there. I see it out there. Yeah. Well, I mean, I've gotten that, and then, like, another thing, too, is, like, I've been

influenced by a couple of Disney influencers. Like, you know, I want to look cool and cute at the parts. You don't. So, why not? Like, I want a nice, like, diaper bag. I got Petunia Pickle Bottom diaper bag. Like, I had you just call me? I'm so confused.

Petunia Pickle Bottom. It's a, it's a brand, like a Disney brand of diaper bags. They're really cute. And I got that. And then I got like these little Disney little, like, Leboobo things. Oh my goodness. Your family's important.

You and your lobooboos are. Not. Yeah, she needed a $200 diaper bag when we already had one. I mean, it's leather. It's nice. It's a nice diaper bag. Yeah, and it's smaller. No, it's not.

Yeah, it is. No, it's not. Get all this much stuff in there. You know, take care of the baby. I do have a lot of backpacks in person. The baby intentional. Yeah. Yes.

Why are we fucking around so much? You didn't go in it with planning to your entire existence should be hyper-focused on its future. I mean, he goes to a really good daycare. Great. Great. Maybe he learns proper lifestyle things there. It's like a private daycare.

They don't have any TVs. Can we also talk about this? I know your bullshit's food alone was very expensive and it's probably very unhealthy food. You know, I can say this is a fellow, you know, chunk-e-chunk. You know, we got some chunky junk. Okay.

Your kid's probably eating what you're eating. And with all that fast food spending that you guys are doing, it's probably also not good. No, we tend to take better care of him than we do ourselves. Why don't you want to be around for him? Don't. And I've been changing that recently. I hope so, but that's what I just heard from her. There will be some.

I'll believe it when I see it. Some charges on there, like I bought $900 worth of workout equipment so I can start changing. Hey, I hate that. That's what people do, right? They do that huge purchase up front. And that really fills that reward center. Like, oh my goodness, I just made progress. I purchased the gym equipment.

You could have just gone to the gym. You could have just gone on some more walks, buddy. Start there. Get into it. Not loving your AT&T or T Mobile bill. Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile bill to Verizon and we'll give you a better deal.

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I got stuff that I could work out while I'm working, like between meetings and stuff. $227 hours in interest this year alone. on the booboos. Okay, I mean, you can use the Fizz card for this kind of stuff, not LaBooos, but hopefully for needs. It's a debit card that builds credit.

We'll get you guys set up with that. We'll also get you guys set up with any kind of course career certification that helps land into any extra pay increases for IT, stuff like that. Extra certifications always helps. So, okay. And then obviously the premium version

or budget app, you get that for free forever, and our dollar-wise central program as well. has all our educational programs from release about a new one once every month or so. So make sure you go through those classes together, especially the budgeting one just to start, eventually the investing one.

Okay? And for you, we just did one on overall job market and how to navigate it in general. You should probably go through that with what you're looking at in your job situation. Okay, Blue Cash Preferred. Who's this?

That's mine. Oh. Three in a row. I have all the credit cards. What? I just said at the beginning. Okay, wow, I really thought... He has a Discover card, but...

And I'll pay a PayPal card, but... Okay. There's no... Okay, so Blue Cash U, what's going on with this? It's a smaller balance, $406.77 with a minimum monthly payment. $40. What is going on here? Why are you purchasing $413.63 cents?

On, of course, all bullshit. Use Rover constantly. Yeah, because we travel and we have to... Okay, then you... You can't afford travel. Then you extra cannot afford travel right now. It's further cementing it in. Well, we ought to use it to come here too.

But yeah, we do use it. Yeah, but we reimburse for that kind of stuff. But you cannot extra, extra cannot travel if you're having to pay for even more. Yeah. That's why I've been trying to stay behind and take care of everything. Really? Yeah.

You're trying to stay behind. And like take care of our dogs. And that's not a wake-up call alone that he's trying to stay behind. in order to save money for the household. And you're just like, okay, let me just go extra. What the f... How is that not ringing a alarm? I'm trying to get us away from Uberie.

It's like I've been trying to drive or cook more, like to the restaurants to like avoid... Cook more to the restaurants? Sorry, I've been trying to cook more. I've been, instead of going to Uber Eats, I've been offering to go to the restaurant if we're just that tired. Step in the right direction, Bill, that's this cook guy. Yeah.

It's not ringing alarm bells, though. He is offering and trying to actively stay behind on trips to save money. But you're just like, let's keep going. Let's keep going. Let's keep going. I mean, I like him to be there to help me out with, just to be there to travel. And he can't be.

So stay home. Drive to the beach. You're in Florida. You're by so many things. You're in the middle of Florida. You can go to Miami. You go to Tampa. You can go everywhere.

Clearwater. For some reason, if you want to go to Frizzan, I don't know, Tallahasse. No. No, we're good. Or Jacksonville. Yeah. On here we got Petuna.

Is that Beneturance? Petunia? Piccletopada. That's the diaper bag. That stupid diaper bag. Yeah, she's obsessed with the nerd stuff. Yeah, I use that card for like the nerd stuff. Nerd stuff is fun.

He's in her nerd stuff too on the video game side. I'm into Nerd Stuff too. I love it. You know, a little music nerd. Little Music Nerd is my composer. and I also like, you know, video games and YouTube and all that stuff. Okay, I'm a big nerd. I budget in.

I can afford it. Sounds like he is as well. You're being ridiculous with yours. Rover, Rover, because we can't afford to travel. TikTok shop. TikTok shop. And TikTok shop. What the fuck?

All your little influencers who are just trying to get commission on everything? Come on. It's a game. They're playing commission games. Memorial boobos. Yeah, those are also flip-up. this. So now we're practically to a lobooboo a day, by the way, within that

month. You know that, right? You're getting almost on average, like, one loboobo a day. We're very close to that. Like, give me five more loboos and you're paying for us, maybe, and you will have gotten a looboo every day the month that we just saw.

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I mean, I just got a, I got a ditch to do it. I was on, I was on a pop-mart thing, and I was like just getting, trying to get a thing. And it was like a dopamine boost where I would get one. And I'd be like really excited. And what do when they realized that, uh-oh, I may have fallen into a little bit of a hole. Delete it.

Delete the app. Tell the husband. Not to subscribe. This isn't, it's not fucking messed. It's not, you know, like I'm not saying it's not addictive, but this isn't on those levels. Like maybe it's a gambling adjacent, but. Yeah.

Thore factor. Chelsea's to do with loop boxes on Overwatch, so... Oh, you just fall into all this... Mercy skins.

Did you... Were you on the Stanley game? No. You skip Stanley. Oh, okay, good. You're talking about the cups.

Yeah, that's Yetty. She got one from work, but luckily we didn't. Get too far into that one. I also use that card for when we go to anime conventions. So we have...

Well, we have conventions that happen in Orlando a lot, so we'll go do that and we i'm hearing we here so yeah no we we both go okay so you go into them you i don't even know try to get your kid to touch them on our like what's our objective here um well i like to look at the art and i usually will buy smart from like um from some of the artists that are in like artist alley and stuff and um i'm sure he loves anime art too i'm seeing it yeah we've we've got a lot of stuff there was one time um we also go to rent fairs so there's a lot of renaissance fairs

in Orlando too. Can you guys like not do something that's endlessly expensive like once a week? Like you do everything. Everything ever. You guys do it. It's fun. It is fun. I'm not saying it's not fun. I'm not even saying I don't want you guys to go. We just have nerd money. But yeah, there was one time we went to a run fair and we don't have our money. Isn't that kind of the point? We went to a round fair and we were getting ready for our wedding for our legend of Zelda themed wedding. and we spent $800 on swords before the wedding. And that wasn't the only expense. To be fair, we did pay those ones off before I went back into that. No, this credit card had a balance and you balanced transferred it.

And now it's going back up again. Oh, why would the fuck would you transfer? Why would you transfer money without actually changing your behavior first? Why don't you do that? Because now it's just getting double. I did it because it was a zero percent APR on a balanced transfer. But it doesn't matter because now you're just building the credit card back up again with, by the way,

a lot of boo-boos is what we discovered. So now you're going to have double minimum monthly payments. I do not want you guys to divorce. I do not think you guys are bad for each other. You have a lot of similar interest. You have a kid. I want you guys to stay forever. But finances is a leading cause for divorce in this country.

And with the ultimate commodity given and what you guys talked about when I put you guys under earphones and everything, it's like you are headed there. and you are allowing yourself to head it there. Okay? You are pushing the marriage towards collapse. And that is on you. I don't want you guys to get divorced, but you are forcing it.

How long can he be put up with this? You're just endlessly deferring debt, pushing it, and then building up the other credit cards again, it's just like, it's so fucked. $80,000 of bad debt. Southwest Rapid Rewards, new. This is a credit card that you should easily be able to pay off with the previous $855 bounds,

but we only put the minimum monthly payment towards it, which is 40 bucks, and then we purchased $431.16. Thank goodness. What great behavior we're doing. What great behavior we are going to be teaching our child when it's able to learn behaviors like this. Obviously, it's learning basics now, but this is the life you want to show them successful. Show him. Good luck.

Stitch fix, stitch fix, stitch fix, stitch fix. Guys, you're wearing four. Pokemon shirts. Why are we subscribing to Stitch Fix? We're obviously not trying to look good. Well, excuse me. Okay. Well.

Oh, come on. Shade. Yeah, like. Like it's fun, but it's not like it looks good. Okay. Well, all right. The reason why you stitch fix is because

where I work at, I work with a lot of like VIP CEO people. So I have to dress really nice. So I wanted to get a new wardrobe for, um. being a subscription. Go to the store.

I don't want to go to the store. I can't find stuff for like plus size clothes. You want to go everywhere. You want to go everywhere. You just refuse to go to the store. Well, I mean,

they have really nice clothes on Stitch Fix. And it's like, it fits me well. Because when I go, well, look, two options. Go to the large store

or preferably number two. The large store has really ugly clothes. Like, really ugly clothes. And then you show up with Pokemon clothes. I'm confused. And then number two, with a preferable option

lose some weight so you can be there for your kids high school graduation. I am. I'm on a Zemphic right now. Is it working? Uh, yeah.

Okay. Yeah. Good. Remember, though, that's a tool that is not a behavior change. I know. It is just like a consolidation or a credit card

balance transfer or a bankruptcy. It is a tool. It is not a actionable solution because you can build it all up again. Well, I mean, Stitchfix,

they give you like, you know, style advice and stuff I thought. And, you know, you pick whatever you want from there. And then you pay for it. There was a fee this year. Is it a lay fee? No. What was it? That was also a card that was balance transferred to.

Good death. Are you, you getting me? $163 in interest this year so far. Oh, this balance is fucking huge. Oh, this was a balance transfer. You. All right? Okay, well we have a balance on here of $13,832.70 with a $658 fee.

Meaning with that, and I know it's interest-free for a period, with the $13,174 you transferred, you did pay at least 5% on it. So pay to Insta 5%. Not even 5% accrued over the year in Insta 5%. Probably saves you some money, but, But that's if you pay it off before interest starts accruing, which starts accruing in less than a year. Oh, wait. No, that's one of them.

Two years. A year and a half. Got a year and a half. For interest starts accruing on this. Why did you transfer? I just thought. And then build the back up on the other card that you transferred from. I just thought it's easier interest would help me to pay it off quicker.

So that's why I transferred all the funds. Are you paying it off quicker? In fact, I just saw, I just saw, I just saw. all the spending go on the card that was transferred and building the balance back up. Is it paying off quicker? Did you even know that? I did not. What the f-

I don't have any money at the end of the day when I pay my bills, so I use the credit cards. Have you seen your spending, you absolute freak? Like, I am sorry, but you spent literal thousands on bullshit. You don't have money after paying your bills? Legitimately go fuck yourself You spent it on bullshit I never say that again That is the dumbest thing I've heard

Shut the fuck We just went through your insane spending And we're not even through it Not even close You guys are destroying your financial future Spending like you have unlimited money But you're just going further in the hole What do you mean?

You have a literal $1,100 monthly car payment Yeah, it's getting a little tight. 264 donations. I didn't know we had that many. You guys have to

take control of your finances. How? Just download the Dollar Wise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not

blowing hundreds of dollars a year on things you don't need. Download the dollar wise budgeting app today and take advantage of your free trial. Quick silver. What's going on with this? Yours, right?

Yeah. I mostly use that for the dogs or I use it for my medical expenses. What's worth it? It was paid off this last month. No, but interest is accruing. Okay, never mind. $436.57.

Minimum monthly payment is 25. Hold on, I didn't write down the minimum from the last one. 138 for the last one. Yeah, these are stacking. Past choices. All of some consequences are coming. This is for our dog. That's what we're getting the Amazon, Amazon. I went through the Amazon. It was all kids stuff, by the way.

My chart. Yeah, that's fine. Home delivery. Okay. Well, interest is a crow and it's a 27.15% interest. All right. Discover it. Is this you again? No, that's not me.

This is you. This one was paid off last month. This is paid off every month. It's got... Because this is a chunky balance. I took a 401k loan out to... pay down. I'm paying it back per month

and paying interest $20. Yeah, unless you lose your job and they can call it due. It's too risky to have and you're not even getting the advantage of having your money in the market. I took a risk on that one. I'm not going to lie. Why, though? You make money. All right, balance $1,352

and 28 cents of the minimum monthly payment of $35. The critical things we need to get a 401 K loan for, what was it? Oh, Sodo Square. Love Pop Card. Birthday cards, Mother's Day cards. Sick, world market. Going into BS, Bo jingles,

fine wines and spirits, Taco Bell. Interest is here so far, $542. What are we doing? 401K loan for Taco Bell. First, I've heard that. What a joke. Come on, there's bad behavior on both ends here. certainly more on yours, but that does not negate yours as well.

PayPal credit. Back to you? No, that says. That's mine. That is the $900 and work-out equipment. You financed it? So trying to change one bad behavior with, and while encouraging another.

I've got six months to pay it off. I'm currently at... Better. Yeah, you're currently at $639.139. and 13 cents. Your minimum's 30, but yeah, let's see. Your payoff day is, needs to be paid off. So probably a, yeah, accruing interest, deferred interest.

Let's pay that off. It needs to be paid. I'm also waiting on a reimbursement from work to reimburse part of that. That's good, but you've got to pay off $6.39 and four more payments. So we've got to pay $93 a month, $93 a month. You're just stacking it. up more, more, more, more and more and more minimum payments on this household. Your doctor told you to start working out?

Yeah. I have notes. Yeah, I mean, you guys are kind of passing that threshold, right? Like, I kind of did this life where it's like, yeah, 20s, you know, it can kind of be fat and it doesn't really impact too much, you know? Who cares? Guys are in that mid-30s, looking towards their 40s, have a kid. Things really start to get impacted.

High cholesterol, high blood pressure. and I have been sticking to a regiment and I've actually lost seven pounds. Seven? Seven pounds and two months. Two months? Yeah. It's actually really not good for you.

There's no offense. If you were actually dieting and working out, the water weight you'd lose alone within just a few weeks would be like 10. I'm not really dieting per se. I've just cut back on how much I eat. Great. Okay. Listen, the thing is, just right at the beginning,

I've been through a weight loss journey many times. I've lost weight, I've gotten healthy, I've gained way, I've gotten fat, you know, whatever. And I'm going back down. You know, I'm down 16, I think. The last way in. I'm weighing in a couple days again. The thing is, without doing much,

I lost like 10 in a month. Because when you're a big guy, we're both big guys, you lose a lot like that, water weight. Not actually much work. Okay, actually. home furniture, what the fuck are we financing for $4,000? Bedroom set. Why?

Ashley's not great, I'll be honest. Horrible, horrible. The first couch I bought endlessly breaking Ashley, you're a shi company. I'll be honest. She wanted a new bedroom set for the new house. Whose name is this under? Mine. Okay. Go on.

She wanted a brand new set, even though we had a good one. What? Why? You already had a good one. So we got a new house and I wanted the house to look good. You spoiled brat. You think you're entitled to everything. It's disgusting. I wanted our house to look nice. Yeah, wanted, wanted, wanted.

I've never had it. Oh, I never had it. I never had a house. Shut the fuck up. No one gives the fuck except for you. And you're destroying other people's lives for it. You spoiled brat. You're entitled to nothing.

Work for it? Get it when you can afford it. I do work for it. No, you don't. You've accumulated debt for it and now you're paying off debt. I work really hard at my job and I have a lot of experience. I have a lot of experience. That's why I'm entitled to furniture.

What the fuck is that logic? That's the dumbest moronic thing of ever certain. If you work hard, you play hard. You play within an affordable point. Okay. What? You play what you can afford. Guys, she's done.

She's broken. She'll never understand this finances. financial responsibility. She'll never understand that concept. Just hearing her language. Playing hard is getting a furniture set when we already had a good one. Stupid.

$120.20 a month, $3,938.25 is owed. Interest free for a few years. It's just, it's ridiculous. Personal loan. Who's the personal loss of $25,000? Both of us. It's a debt consolidation loan.

So endlessly transferring, endlessly consolidating, endlessly never actually making progress and spoiling ourselves because we like to play hard because I have never done it before. I never got to play hard as a kid. It's a ridiculous 13.12% interest, right?

It is better than the cards. It is better than the cards, but look what happened. This completely negates it because you consolidate the cards and then you spend it on them again and now we just have double the debt. That's how it always works.

That's how it's been working with the credit card transfers too. You don't get to consolidate bankruptcy or transfer unless you, change your behavior for at least three months at a minimum to show that you're able to manage it. It's the only time a tool like this can be helpful. Minimony monthly payment is $661 and $71.

Another one just stack it into the top. It's fucking crazy. Crazy. And when did you guys do this? Last year. Right. Nothing to show for it. Orlando Health. 100 bucks. Why can't you just pay 100 bucks?

Oh, wait. No, yeah, 100 bucks. Oh, okay. it's $585 and then $100 minimums, right? Oh, that's from one born. Who's is this? That's from one hour. Two years ago? Yeah.

$585 and $46. Minimum monthly payment $100. So that'll be done very soon. More. Oh, how many does this stack up to be? That's just one more. Really? Two separate bills.

One for our son and one for her. But the birth related? Yeah, we had a pretty difficult labor. $555.89. But no monthly payment, 206.6.68. Okay. Advent Health. What's this? I had to go to an emergency room related to my pregnancy.

For sake, this pregnancy. Okay. Total amount due. Remaining balance, $553.31 cents. At least these aren't. bad so far for what it's worth medical wise. $39. $54. is your minimum monthly.

Mr. Cooper, I know that be a mortgage. She's expensive. Yeah. Yeah, because the interest rate, it's almost 7%. Yeah. Yeah, the new bill also first year they overcharged us, sent us money back.

We use that to pay down. Second year, they undercharged us, and now This year, they're double charging us for interest. Interest? Or escrow. Okay. Yeah.

Your minimum monthly payment is $3,499, which is in your guys' affordability range, but it is pushing it for sure. It is definitely at that pretty damn at that cap. Yeah, no, it's at your cap. Yeah, gross income. That's probably at your cap, yeah. With a balance of $339,275. What's the house worth?

Do you know? It's worth about 380 Okay And then finally Student Debt, who is this? That's me You don't have because of military Well, I never went

I never finished my degree You got a certification? I have certifications IT certifications Okay $8,860 and 42 cents for your student loans

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Go to your happy price Minimum monthly payment, $108. Okay, good. Looks like you're on a standard repayment, and then it's fine. 97 cents. Interests. 4% I think.

Okay, then we give minimum payments until these are paid off. Yeah, it's a 4%. Okay, that's not bad. Wait, hold on. What's the card? Did I miss a car debt? Because they're sending me a value of a car.

Did I miss a car debt? The car's paid off. Oh, you have a paid off car. Okay, it's worth about $9,000. 2019 Chevy Tracks, one car? One car. Okay, is that working? Yes, that's in good working order.

Oh, is it working for the household, having one car in a not walkable area? I would say, so if I do get this new job, we'll have to get another car. So right now it's working out because I am a hyper. All you did was apply to it. I don't know why you're thinking so far in advance, but. They've been telling me that I'm going to get an offer soon. Well, that's different. You didn't lead with that.

Okay. Yeah. You said I applied to a job. No, no, I interviewed. I applied. Okay. All you said was you applied. They're going to send me an offer letter.

Okay, good. Then you'll need another car. Yeah. Cool. So we're going to go get a 10,000-hour used car that is... That's the plan, actually. We were just going to get a... No, it wasn't.

By the way, you wanted to get a Tesla model Y. I know your entire life. So you're... We're going to go find one off Facebook Marketplace so I can fix up. and... Tesla? No, car. That you can fix up?

No, let's not make this an endless pit hole project. I don't know. Now, let's go get a $10,000 used car that gets signed off by two separate mechanics that it will be safe and last you for a few years to come. That is what we're going to do

and you can borrow for it because it's leading to a return on investment with your much higher income. I'm okay with that, but you are not going over $10,000 and you are going to spend months looking at VAT and you're going to Uber to work because it will save you more money

in the long run. And no Tustle model Y. I love my Tessie, and I know they have good financing for it. And the tax credit, though, I think your guys' income might be above where you can get the tax credit. And the tax credit's ending anyway, honestly, in September, if I'm not mistaken. Yeah. So, no. You can get it.

You can get it. Once you're out of debt. That's what, that's what, that's what, that's what. Yeah. And I am on mechanic, so I can tell. Well, okay, that's the start. but get a couple of separate eyes on it as well. I will.

Trust me. All right. Checking account. $2,27, $2,2227 in here, but that is half of what we started. Swab Tactical. What the fuck is that? It's $1,121.

Swab Tactical? Two guns. I'm guessing you? Yeah. Buddy, paying off debt is so much more important. This is just fun. It is both. No, that's prepping.

That's not. for fun. I've been for what? I don't know. Yeah. Just scary political environment. That's talking about, buddy.

No one's raising arms. I mean, it's good to have it just, you know, just for holding defense. We got two guns. I got double. I lived in a row two.

Halo 2 dual wielding? No, it's one's a shotgun and one is a pistol. For her. A 9 millimeter. Again, I'm not against any kind of purchase in general.

But you are in dying in debt right now. That is much more of an alarm than the country going up in flames. Which one's more realistic? Well, right now you are dying in debt, not dying via a civil war. Yeah, well, military being deployed to my state is not fun. Okay. I mean, it's good to be prepared. Zell and money out.

Zell and money out. $415 on the last one. Probably to each other's accounts. Babysitter. Well, we have babysitter. And then we also have... We have babysitter and we also do swim lessons for my son. They're swimming at two?

Yeah. It's for survival swim. Survival swim. For survival swim because we have a lot of... Pools and ponds near our house. Pools, ponds. Lakes. I think the alligator's going to get them first. Well, there are a lot of kids in that county that have died from drowning.

No, I mean, it's not the end of the world. It's fine. Again, it's the... Neither of the guns. It's the end of the world either. It is the endless stacking of You guys will justify everything you do Multiple times a day

Okay 42 dollars in this account It's nothing This checking account $100 but Swab Tactical again That's the third Swab Tactical we've had by the way So it's just like we're getting lots of swab tactics

PayPal Discord Target And PayPal and going in and getting some bullshit Going in and getting some bullshit Google going and getting some bullshit. Dominoes. PayPal, high dive, crunchy roll. PayPal, Taco Bell, Uberine, Uberine,

Steam Games, 23 and me. That's really not necessary for right now, and we already know, okay? Mexico, Ireland, boom, we finished it. Good guess, by the way. Huh? 60%. You?

Yeah. Ireland? Yeah. We already knew that. I didn't. I mean, it could be Nordic. It could be, I. Irish, it could be English.

No. Yeah. $2 and savings, wonderful. Really making sure we're sacrificing for the kid. Now I have an emergency fun with the kid you are destroying his entire future if an emergency happens, by the way. That is more important than Disney's Zoo's, firearms,

all that stuff. Okay? And I feel like I should get one too. I've been considering getting one from my house because influencers have had their homes invaded by parasycial freaks. And every influencer has weird parasycial freaks online. So I've thought about it. I've thought about it. So I'm not against it. Again, it's the stack of everything. Well, you don't have an emergency fund. So if one big thing happens, your kid is out.

Because you guys are out of the house. 17 in retirement. Yeah, definitely not even close to enough for 35 at your guys's income level. Come on guys. Honestly, it was just an embarrassment of mindset on your end, if we're being honest, and then purchasing even on both ends, but definitely 75% towards you. And then we can't even talk about money because you just, you just, you You know, you can't communicate healthy. I mean, you guys signed up and consented and all the stuff from me to yell at. So you knew that was going to happen. But when you guys have a conversation, she's not sitting there watching an onboarding video

and having three, you know, producer phone calls and signing contracts saying, hey, please yell at me. You know? Because I even have in the notes as I read throughout there. She's like, she's like, I need to be yelled that. I need to be yelled at. You told the producers that. But when you guys have a conversation, that's not what she's going into that conversation for. She doesn't listen to me.

but is yelling really going to be what does it? Different context. Because she did not sign up for it. Is that really what's going to get over to her? I honestly don't know. I haven't been able to get more to her. Especially your wife? I wouldn't want to yell at my girlfriend.

I don't want to yell at her. I do my best not to yell at her. What does that mean for the kid when you can't get across to the kid when they're five, when they're 10, when they're crazy 16-year-old, gooning endlessly. Well, I grew up in a household where my father yelled. And just like her growing up in her poor household, is that a cycle you want to continue

because you are? No, that's why I finally put my foot down. Oh, huh? On what? And you yelling? No, on, we need to get this fixed or we divorce. That's not what I was talking about. I was talking about your behavior in those conversations and what's going to happen when

the kid starts to get to. involved in those conversations. Honestly, I can tell you. I don't think I'm yelling. All I do is feel like I'm, yes, I'm raising my voice, but I'm not yelling. Your perspective? I feel like he gets a little defensive. Well, defensive's different.

I'm not criticizing, I mean, I can criticize defensiveness in a different way, but that doesn't concern me for the future of, you know, communicating effectively with a child or something like that, you know, and raising voice in a very scary way. I think it's more like kind of like a skisiveness. scary tone with it and I think it's kind of you demonstrate like why do we need so many little boo-boos like why do I see box after box after box why does this keep happening like we just fix this you said we were okay uh would you say that's just about what it is maybe

decibel or too higher but that's pretty cool come on give it to me i really can't right now try try your best one why are you doing this like why why do we have so much going out when we have so little coming in. Like, why? I think that's about as close as I can get to it. Is that close? Yeah, it's just the tone is really just very triggering. You know, it triggers a lot for me, and it just kind of like makes me just.

Unfortunately, I don't really respect trickering anymore in our culture. But either way, I will say this. This is not an effective form of communication. And I can definitely understand it would put the person on the other side. in a more defensive mode, which also prevents communication on the other end, which all of a sudden now we have two people that are unable to communicate. Because if you're coming at any combative tone, I wouldn't say that was like an abusive tone or anything, so I'm not worried about that.

But it's definitely coming in a combative, more aggressive tone. And that puts the other person in a defensive position. And then all of a sudden we just really can't communicate. Trust me. I don't start at that. I do try to talk. What pushes you? What pushes me is the fact that we keep getting further in debt.

and when I was 25, yes, I did file bankruptcy. You did? Yes. He's been through bankruptcy, and he is trying to help with, he wants to get out of this, so to not go through that again, and you don't give a... I really do. But you do nothing.

And I've told her, like, my father... No offense, but you're spending as bad, too, and your debt situation is bad for something that's gone through bankruptcy. I thought we were doing fine. and I was trusting her again. Buddy, you just finance gym equipment. Like, it's the actions. It's still putting yourself

in a minimum monthly payment situation that becomes difficult. Okay, your debt minimum fee payments, not including mortgage, is $3,090.6. Then we put in the mortgage, $3,493. That already brings us to $6,500

on our $9,200 a month net. Like, that's scary. Utilities. Internet, gas, electric water, probably about 500 a month. For utilities? And then $250 for our phone bill. That's included in that?

Internet. It's bundled. Oh, okay. Then I'll cross up the film bill. But either way, I'd unbundled that. If T-Mobile is getting in your area, switch to helium, it's so cheap. As long as you own your phones outright, that's the part. But gas, boom-froom drive, drive. One car. How much we spend? About $200 a month.

Car insurance? $120 a month. It's not bad. necessary food for you. You can probably do. I'm going to guess about 800. Should be good for the household. T.P.

Find anything else you guys need to survive. I'm going to say if we're including the kids, $250. Daycare and babysitting. Because I do need you guys to have some alone time as well. I do some things even if cheap and free. How much do we need for daycare and babysitting? $1,400 a month for daycare. Okay.

Give me a babysitting monthly. I'd say probably a hundred. 100 total. Yeah. It's not bad. Okay. But obviously the daycare

that is expensive. If I've seen 100 total for that. Medical health care, co-pays, medications, ongoing appointments. That's all through HSA. Okay,

which is taken out of your gross income before it becomes a net, so we don't need to count that. Jim? No. No, gym membership. Okay, but we're getting on it, right?

Subscriptions. Let's see if I can fit in 25 bucks I don't know let's see pets you have pets pet food yeah that recently spiked up here too

because our corgi has a health problem how much for pet food about 300 a month for vitamins supplements and pet food 300 yeah guys it's not working right now you're underwater by

just your needs just your needs you're underwater by 184 a thousand 84 Okay. So here's the reality. A couple different options. It actually might be time for bankruptcy again.

But you do not do it until you guys budgeted aggressively and prove that you can do this properly on the other side for at least three months. Then we can consider bankruptcy. Two, sounds like you're getting this job. I hope you do. But obviously that requires another form of transportation. But we boost that income and that takes you from 80 to 130, you said. 90 to 130? So it's so right now I get 88.

And it's going to put me to $1.15. It's going to help a little. It's going to be like a thousand dollars towards that maybe. And you need you to aggressively budget that. You can't go to vows. You can't do bullshit in the future. You know, you cannot do anything that costs money, unfortunately. Because it just doesn't make sense.

Because at that point, it still takes 80 months. And what is that? That is still a six and a half year process. That's without an emergency fund. You should have at least a one to two a month emergency fund before you start paying off debt. Because you have a kid. You have a mortgage. You know, it's like, you just got to be safe.

So bankruptcy might actually be valuable in this. And it will, it's not cheap. It's certainly cheaper than $80,000 of debt. But it can be stressful. You know you went through it. Some people find it stressful. Some people not. It's embarrassing.

It's more difficult with a couple. You know, you guys should be able to go through. Keep your house. Keep your car. But this becomes difficult. This becomes difficult. And that might be what you need to do. but the first thing is, before you do either of those,

it requires building this budget. Go through the budgeting class together. Use the dollar-wise budgeting app as well. Work on this. Sit down on a multi-monthly basis until you guys have this locked in. Only a joint account for fun spending as well. Only one account until you guys have this.

No more convoluted bullshit. One account, no more extra separate accounts. No more credit card spending. Make this simple. Sit down and talk about where spending when or spending needs to go next month. All right. guys, we're going to do the post show.

There are so many things we did not talk about. I am being told from our producers. So this is going to be a really good post show. Come join us. I'm going to give the Hammer Financial Score right now and then come join us. Remember, Hammer Lee is free this month. So if you join, I'll pay for it. But spending your budget and house with financial score, zero out of ten.

Debt, no collection, but this is horrendous. I mean, it's really bad for your income and matches your income. One out of ten. Emergency Fund, there's nothing zero to ten. Retirement one out of ten. Real estate, you do have an equity position. That is good. rate you definitely got it at the peak for sure you know minimumity payments chunky for your income you're

really at that peak if not just slightly over so because of all that i am at least going to bring it to a seven out of it if you have to hammer financial score two out of ten hammer financial score two out of ten join the membership link below or click that join button make sure you select the hammer elite tiers to make sure you select the hammer elite tier submit proof of purchase the hammerleet dot com and i'll send you a $10 gift card that pays for it and you can spend it anywhere in any country. See you guys there. I know there is something we did not talk about in the main episode because there was just so much to talk about.

What did we not talk about? Well, there's something I didn't tell you. It's $1,000 for your fucking $1,000 for your fucking he actually has something real that happened a few years ago and you are repeating that again. Inclusive members' 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 sun. Trust us.

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