Financial Audit - She's Embarrassed By Man-child Husband

Episode Date: March 18, 2024

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Same drive, different day. Don't you wish you were getting away? Pack your bags and come on through. Texas, Ohio, Alaska, we're up there too. Comfort Inn. It's calling your name. Save on the stay. Oh, and free waffles are yours to claim.

Well, I hope you like my little songbook direct at Chors Hotels.com. I've seen you say a lot of the things I tried to say to him in the past, and he didn't listen to me because he didn't want to. And it makes me feel a bit better. Seeing that I'm not crazy, I'm not being the Beyonce. This is Sam 27 from Midlothian, Texas, and this is financial audits. That is the city I've never heard of, but that's okay. What do you do there for a living?

I do a combination of different things, actually. So I'm both a voice actor and actor, as well as a substitute teacher in order to kind of help fill in the blanks, as some people would be aware that acting doesn't always pay the bills all the ways. Yeah, especially in Texas. In Midlothian, Texas. It's about an hour south of Dallas. Okay. So where are you primarily doing your acting gigs? I'm curious, because is there a big film scene there?

Not necessarily. There's a lot of small indie films, definitely. Really? However, Crunchyroll has an office based out of kind of the North Capelle area. So I drive up there quite a bit. Okay, so that's pretty close to you? Yeah, it's about an hour out. Do you do work with Crunchy Rule?

Yeah, yeah, no, I've done about 17 different shows with a variety of different characters, mainly just as kind of background characters. I haven't done anything that has a big name tied to it. What's like your favorite character you've ever done? That's a little bit difficult because a lot of my characters are just kind of background. But the most one, the one that I enjoy the most, is definitely from a Chinese anime. Okay.

It's kind of the mascot. He's got a TV head. He actually doesn't have too many lines. He just makes a bunch of noises. Be the mascot then for financial audit real quick. What would it sound like? So with financial audit, so if you're looking at financial audit,

what type of energy do you like to get? Well, I want it to be from your favorite character. Oh, from my favorite character? Oh, okay. I would not have been able to know that that was financial audit. Right. But I guess if that's what he does, then. Yeah, he just makes.

a bunch of gesturing noises, as they put it. So are you making good money doing this? It can be whenever I go in, because we get paid hourly, which is something of all the people don't necessarily know between dubbing animation versus doing English characters in, say, something like the Powerpuff Girls

or something like that. You can have some better contracts being an English voice actor doing that versus working in dubbing because you get paid hourly. So I have a two-hour minimum, and yeah, the hourly is pretty good, but you only get paid when you go in.

How often you go on? Right now, maybe I average about once every other week. How much, how many hours every other week? It's, so two-hour minimum. So if I go in for 45 minutes, I get paid for two hours. So it's within that two-hour minimum. So sometimes it's 30-months. How many hours are getting paid for on an average every other week that you're going in?

So I get paid for the two hours. Two hours flat? Yeah. So you never go above? I have not been in for more than two hours. How much are you paid for that two hours then? I get paid 126 for those two hours. I was really hoping you're going to say per hour.

No, I wish it was per hour. Wish it was per hour. Wait, but, I mean, wait, you said 126, 252 a month? And yeah, if it's a... So you're not living off of that. No, definitely not. Okay, it really sounded like you did a bit more for a bit. Okay.

Well, you said you do something. something else as well, right? Oh, substitute teacher. Yeah, I also substitute. Oh, it allows me to be flexible. Wait, don't you have a master's degree? I'm not mistaken. I do.

Sometimes, unfortunately, just the way that the economy works sometimes is it just doesn't pan out. Well, that just sounds like we've given up. If we just immediately go and be like, oh, the economy. Yeah. Yeah, there's shit there. And there's been some heavy tech layoffs last year and then early this year so far. Yeah. Yeah, no.

What was your master's in? My master's was in general agriculture. So there's quite a bit. It's one of those things where people are like, oh, you could go in the oil field. It's like, yeah, it pays good, but unfortunately I got injured quite a bit ago. So I have nerve damage in my right arm.

So I was actually going to play professional baseball as they have hope. So you're moving it right now. What's the nature of your disability then, if you could explain to us? So it's closer to, the severity would be, I guess, tunnel in a way. But what happens is if I have a lot of strenuous activity, I can have debilitating pain in my right arm. Man, okay. So it's not the economy in your case. It's more pain if you do

some physical labor. Yeah, if it comes to physical labor. Because, you know, what was your bachelor's in? Natural resource management, conservation biology, and soil erosion prevention control. Okay. So it sounds like you should be out there in West Texas. Yeah, no, that's where I went to school out in West Texas. Yeah. I'm out of the middle of nowhere. But, yeah. Which is where you'd make some money.

What about, what about, I mean, I'm sure it's a much smaller percentage of the overall market, but there has to be some desk jobs in that, in that economic sector. There's a few that come up. Unfortunately, what happens a lot of the time, at least the stuff that I've been able to find is once you kind of get into that position, You can kind of do it forever. So there's not as many positions that open up. No, sure, but have you applied to any?

I've applied for a few. I applied for a few right whenever I graduated out. Which was? Whenever I graduated with my bachelor's, I would have been turning, so that would have been 2018. Okay, so you haven't done much to try to get that, to be clear, to work into that field.

I did a bit whenever it first going in, but as of recently now. Because 2018 was a hot second to go. Yeah, no, six years is kind of a hot second. Okay, so you want to be subsidized teaching? I mean, there's people, we, it's obviously something that's very necessary, but I just want to make sure it's something you want to do. It doesn't have anything to do with your degree, doesn't have anything to do with the voice acting,

which might be the passion. Why are we substitute teaching? It allows me to be flexible within, you know, the voice acting and acting. It's one of those things. A lot of other jobs could be flexible, too. Is teaching something you like? Periodically, but not as much, really. It's something that is kind of help pay the bills, make sure I have some income coming in,

but it's not something that's a full-on desire. What are you bringing in through that? You know, I can bring in whenever I'm actually doing it, probably, you know, I can do easily two to three thousand a month. On average is what you do. You said you could do. What do you bring in on average? Probably about 1,200. I don't know if you'd have it there.

If you can do up to 3,000, why? Why it's 1,200? It's just whenever I'm doing voice acting and stuff like that, it kind of splits between the time. Yeah, we make $252 a month voice acting. so I don't think that's made up that additional $1,700, $1,800 that you lost there. No. Okay, so why? So you said two hours every other week.

That's not preventing you from doing two hours every other week. Two hours every other week, every single person in the world can find two hours every other week. It's more so a passion at this point. Like, I just way between. A passion to not substitute to. A passion to keep trying to push for the voice acting. Yeah, but why no more hours? Okay.

Well, first of all, you got $126 from Country Rule. Yeah. And the substitute teacher pay that you got in the checking account that we looked at, $314. Mm-hmm. Yep. It's a little different than the $1,200 and very different than the $3,000 that could come in. Why is this so different? Well, that just month didn't pay that out as well.

Why? Well, us people were getting sick. Well, those people get getting sick and just I didn't do as much that day. I mean, that month. Why? That one, I don't have a good experience. It's only getting every customer's order right. It's only a point-of-sale system connected by Spectrum fiber-powered business internet,

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That month was going on. Yeah. What happened in your life where you just didn't? You just didn't do it. Where we were just relaxing, where we were sitting back and just chips on the couch, which I'm all about. Do it.

Yeah. It's crazy. But like, was that the why? What's the why? I wouldn't say as much sitting back and relaxing on that one. If it's, you know,

there's some months where you can't do as much as a substitute teacher, where they just don't have as many days. So you're saying it was a can't? Possibly. Possibly. How do you not know? Bad memory. Within like a week?

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I'm an individual. How informed are you about your finances and life and goals and what is happening around you? Maybe better than a standard individual, but definitely not as good as it could be. Do you care? Do you care about your finances? Definitely. I mean, I don't want to be out on the street. It's like money makes the world get around.

It's not one of those things where I want to be living high off the hog, but definitely. I think there's a middle ground there. There's definitely a middle ground. What's your living situation currently? Unfortunately, a living situation, I'm still with my family. My family has been very gracious. I have, you know, some setups with them to where, you know, I help with a lot of the manual laborers.

My parents are older. How old are they? So my father just turned 65, but he can't do a whole lot of getting up and down. And my mother has some other health issues. Be honest with me, though. Are you living with them to help them? Are you living with them because you cannot afford to live on your own? Both. It's more so there was, it started with some necessity because I was unemployed for about a year.

Why? So what happened was about, let's see, about two years ago, I was working for a greenhouse job. You know, paid all right. You know, it could have been better. But I was working with them and then they decided to start cutting costs. Sure. Why didn't you get another job? Two years ago, the job market was the strongest that's like almost ever been in the history of this country. Yeah, I was doing some other jobs here and there. just to kind of, you know, keep the flow moving. I didn't, I don't like sitting and doing nothing.

So. Burn $1,000 last month. Yeah, no, that one, that was a bad month. So I don't like in sitting doing nothing. So I'm always trying to do at least some stuff in order to make sure I have some income coming in. But, you know, it's never been something that I want to do for the rest of my life. Okay. So what's our goal right now?

What are you here for? Well, my goal right now, one, is just help maybe get a little bit of your expertise just to kind of help point some things in the right direction, maybe things that I need to look at. But also just hopefully move into at least a job that I'm okay doing. Because it's one of those things where I understand that I can't necessarily just beg for a job anywhere. But also, you know, at least just something to just that I'm okay. Okay, doing. Can you live somewhere else, though? That's, if, if, if the primary reason we're at the place is to take care of the parents,

can you live somewhere else? Because I'm not sure every job opportunity in terms of competitiveness is going to be in that small town. Yeah. It's, it's one of these, it's one of these things where I'm close enough to Dallas where I can commute. Ideally, I would like to stay in the DFW area, but it's, especially this year. Yeah, especially this year, though, I'm, I've started to kind of wake up to a lot of, maybe, of my own personal issues. How so?

Like what? You know, just maybe not applying for as many jobs as I should be. Like, I usually try to, you know, be applying for at least one or two a day. Rookie numbers. Yeah, rookie numbers. And so, you know, I've started doing some more, started looking at my own personal spending habits and stuff like that to try to at least better myself. Kind of. What have you discovered?

You know, maybe a little too much eating out. It's basically all of your spending. Yeah, it's been most of the spending. And so just looking at that, other places that maybe I can cut costs, I have a few subscriptions I know. I have to make sure I get rid of those or reduce those down as possible. Mainly use them for research for voice acting, but those at this point can go out. So your goal is to find a career path and live on your own? That would be great.

Oh, I mean, I would love to. I've wanted to. I had, you know, I had a decent amount saved up before I got. laid off. Yeah. I had about probably... Three years ago, though. Yeah, I had probably about 10, 12 grand saved up to, you know, move out.

And I had an okay paying job that would have been able to keep me going. But unfortunately... Would you move out now if we could... If the income situation or not... I'm just trying to figure out how much of an anchor this parent thing is. No, it's... If I could move out today, I totally would. My parents would be happy if I did as well, because they want the best...

Okay, so to be clear. then, in a roundabout way, we answered my question 10 questions ago. You're living at home because you can't afford to live anywhere. Pretty much. Okay, you're not living at home to take care of them. You're living at home because you cannot afford anything. Yeah. And to be very clear, I mean, the pick the puzzles coming together,

you brought on $1,000 last month. Yep. You were choosing not to pick up shifts sometimes. You said you were. You said you were prioritizing the voice acting, which I'm down with if it makes money. Yeah. Yeah, yeah. Yeah, I know if we're being honest.

I mean, I would... So you're choosing this whole life that you are living right now. There is not a lot being forced upon you. We have gotten around it. I've been able to get you there through some other questions, but you've essentially said through your different answers, you're choosing not to bring in the income you're bringing in. You're choosing not to live on your own.

You're a living off of your parents at 27. Yeah. No, I mean, I'm not going to argue in that point, but in the sense of that I am fully choosing. it, I wouldn't say that it's 100% exactly my choice. Okay, well, your question suggested it was, so what would not be your choice? I mean, my choice is that, you know, the level of, you know, jobs that I have applied for and still not hearing back, it's that the welcome to applying to jobs.

You applied it to two a day. If we're looking for a job, we're applying to jobs like it's a full-time job. Yeah. We're just, we're slamming those bad boys out on LinkedIn. We're like, boom, apply, boom, apply, boom, apply, boom, apply. That was three? Cool. That's what you did before breakfast.

Then we're applying through breakfast. Then we're, this is crazy, crazy. If you're, what's your, what's your hourly per teacher? My hourly per teacher, so they don't get me an hourly, but daily it's 135. 135, 135, 135, 135. Okay, cool. So, you worked three days. You worked three days last month.

Three days. Cool, that leaves us. And then it looked like you worked one day, a voice actor. Cool. And you had some Zell money coming. Where'd that come in from? So different things. So I also do high profile care.

character acting. So that is individuals who dress up as characters, whether they be established characters or a kind of loose blank slate. Yeah. So, you know, people who dress up... Filmed? No, so they're for private events and parties. So would you dress up as? So around Christmas time, so in December, whenever there's not as many teaching jobs, I have, you know, I'm the Grinch for different things, but I've also done stuff. Jim Carrey version? Yes, more of a Jim Carrey style. Go on. Oh, well, just at events, people, people contact my... I would like to hear. Oh, you would like to hear.

Well, are you sure you want to hear, sir? I mean, I don't know if you've played to be nice enough for an individual party or entertainment, but I know I have fabulous. So yes, yes, honor me. I guess I can regale you just a bit. Fine. That's funny. That's pretty good. That's pretty good. You get on your appearance by working more. Yes. That's pretty good.

I think with the whole costume and everything, that would be pretty cool. Yes, no, it's a full makeup and regalia that we take care of. So you did that once? I believe in December, whenever it came in with what you have, yes, it would have showed. Yes, that would have been once. Okay, so I have a total of five days working. Cool. So we had, what is there?

There's 31 days there. So 26 days. We had 26 days to apply for jobs like it's a full-time job. We worked four or five, five, five days, five days out of 31 days. Yeah, I'm not just, I'm not just saying, wow, I did not hear back from jobs because I applied to two a day. I'm sorry. I mean, I want to be sympathetic. There are things to be sympathetic about always, but I just got to immediately when you're coming in here and you want to just lay that down as like a sympathy play or you or you actually think that's like your reaction.

and why you're not getting ahead, I need to stomp that out immediately. I need to make sure that's not even close to true. This has way more of your control on it than you are allowing yourself, then you are vocalizing, saying, I'm not hearing back, but you're only applying to two jobs a day

when you worked 5% of the month, 10% of the month. Come on. That's like that's bullshit, right? Yeah. Okay. Cool. So we got there.

Again, roundabout. Let's look at some of your statements. Let's see what's going on here. So this is interesting. Is this a different situation than we normally have on this show? Which again, you appreciate. You pay off your credit cards. Yes.

Which, okay. You're not a financial disaster. No. But you're someone who doesn't want to live at home at 27, but lives at home and is dependent on mommy and daddy. Which I'm sure, lovely people. That's great. Yes. And it's okay supporting people that have fallen on hard times, too, but it's like,

been there for a second Yeah Let's not So $3.30 spent Makes me a little nervous Because that immediately becomes A 30 of your paycheck That came in last month

Across everything Oh where did it all go Instead of saving up for a future apartment Where did it go? Where did it go? Yeah There's not a single item on here That's not

Every single thing is highlighted Both Source elements Hopefully that's for the voice Better beef for the voice Sonic driving definitely not for the voice Sonic Drive-in and Apple purchase of some kind subscription, some tickets summer for $46.

Antones meet any free play arcade certainly wasn't free. It was 1298 and then he did it again, so definitely not free. Taco Casa, Sonic Drive-in, Funimation Productions, probably one of those subscriptions that you're using to Stati. Free played arcade. Uh-uh, certainly not. Apple Bill, Apple Bill, and more Sonic Drive-in. First of all, you're picking like the worst fast food place out of all the fast food places that exist

in the fast food world. So there was no charged interest this year or no fees so far. So that's okay. This is going to be a spending issue, not a major debt issue. Yes. That, oh, the world's against me. Oh, I can't get another. I can't move out because I'm not making an FOL because people aren't applying.

People are not accepting me and doing interviews and stuff like that. Dude, you just went and spent a third, a third of your income, a third of your income going out to eat. we got to take some responsibility. Yeah, no, I mean, with information right there, I can't really argue with that one. No, you can't. I would have free thought if you did.

Okay, and then here's the remaining of your income spent $619. A vacation package? A vacation package? How are you going on vacation if you can't afford to live somewhere? What kind of vacation are you going on? That one is more so using the benefit within the card. So that one is actually going to. to be refunded whenever doing it because I recently got.

What? What is it? So I recently got engaged. So with. Congratulations. Yeah. So with the with the program on that card there, whenever you apply with, whenever you apply with, whenever you apply with that card, they basically give you the vacation package. And of course, you know, the way that they make their money is they hold the money, they invest it, whatever. And then once you go in, you listen to their spiel, they refund the money back to you. Oh, geez. Time share a thing? Yep. Are you going on vacation?

Within the next year, yes. Where? It'll probably be down to one of their packages, so it'll probably be down to Galveston. Fun fact, you're going to go spend money while you're there. You're going to go out to eat more. You're going to get trinkets. Yep.

Buddy, I would try to go on vacation from my family's house in terms of living somewhere else. Have you ever moved out? Yes, I did. Okay. Whenever I was at school. You paid someone for Tasker on Taskcraft. it unless that's a subscription to tax driver for you to do tasks.

That one I actually didn't know about. You don't have much money to not know where a $25 purchase is going. Earthstones. Earth thones. Earth tones. Tones, gosh. In and out.

I mean, disgusting. Breaking brew. Cotton patch. Andy's frozen custard. Takara Japanese. Chick-fil-A. Chick-fil-A. Chick-fil-A.

And he's frozen. And he's frozen. And he's frozen. that's all bull there's a little bit of gas in here but other than that it was bull and that's all of our money now you're engaged this changes that this drastically changes what's okay student loans right okay we have now this is your only debt if I'm not mistaken correct correct it is my only debt everything else is paid off 8,464 dollars this is a provider of federal student loans is this federal student loans Yes, but with the federal student loans, they didn't sell it off to another company.

Well, this is just essentially managing it. In a way, that's kind of how you can look at it in the most simplistic form. What's the minimum monthly payment? Minimum monthly payment. I actually don't remember that because I always pay a little bit more. So I believe I'm paying 105. I believe it's 105. Why are you paying more?

Just to make sure that that outrageous interest that they have on it is not. What is the outrageous interest I do not see? So I believe it is 14.5%. These are not federal student loans. This is a private student loan. Yeah. Well, at least that's the percentage of it. It's been that.

I signed it whenever I was, you know, 18. Didn't quite understand it. Yeah, this is basically like a Sally Maeble. Moheela? I haven't seen them. But I've heard of them. Hasn't been anyone on the show with them, though. Basically, on a Sally Mae's heads.

sticking out. 15, 14%? Somewhere around there. Yeah, that is not federal student loan. You're right, this could be sold off and transferred some runs. Okay, Chase, $647. You barely have any living costs, but even still, it's like, that's a little low, and this is going to paint off cards, right?

Yeah. And making payments. Yeah, but what's your car? My car, are you just talking about... Your vehicle, Vroom Vroom. Yeah. It's a 2015-N-15-N-1-1-1-1-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-1-0-1-0-1-0-1-0-1-1-1-1-1-1-1. Did you, man.

My friend has a very similar car, Nissan right around that year, and I had one as well. Yeah, no, I just paid a few months ago, about six months ago, I believe, at this point. I just paid $2,000 to have some major work done on it because it was having issues. So we probably need a car. fund going on because I don't have confidence in that. You have savings anywhere or retirement anywhere? Directly standard? No. However... What the fuck does that mean?

I have an interesting collection that I've slowly been, you know, over many years being a child. I have an old video game collection. And so, you know, I've been looking at that... So you do not have retirement or savings? No. Well, I have a 401k through a... through a company. How much? It's not worth mentioning.

How much? Last time I checked, I think it only had maybe $15,200 that had been put into it. Because that was with the company that fired me. $100. That was with the company that, or they didn't fire me. They had to let me go because they were cutting costs. It's so they said. If we're living at home as an adult, we're at least investing, hopefully, thousands of dollars a month because your needs are basically nothing.

Yeah. If I was making $100. If I was making thousands of dollars. Which you could. You could. It's always easier said than done to go get a job, but you're doing nothing. And even for the jobs you have, you're choosing not to work as much as you could. You could.

You're choosing not to. From everything you said and every answer I've been able to get out of you, you could. Yeah. Okay. So with this engagement situation, how does the overall financial picture look? We just got engaged? Relative about... When's the marriage?

Well, we're pushing it back at the moment. Why? Both my financial situation and my fiancés. Yeah. How much income's coming on the other side? I'm not 100% sure what hers is. You guys haven't talked? We've talked a little bit.

Yeah, we need to talk a lot a bit. The finances is the number one cause of divorce in this country. That's not something we go dry into, man. No. No, we're spitting up that conversation. This is, you can't just raw dog marriage, man. No, no. Now I'm saying that as a professional in marriage who's never gotten married.

But financial statistics, you know, we get with divorce and stuff like that. And you should at least know how much the other person makes and how much, do you know how much debt they have? They have no debt. Okay, so it's another spending issue, type thing? Do they, what's their living situation? They're also with their family at the moment. Oh, fuck me. Every way whatsoever.

How did you guys find each other? We actually found each other through a... Basements.com? Not quite basements, I'm sorry. I mean, if we want to put it like that, I mean, I guess it's what? Addicts.com? No. No, through some mutual funds.

Oh, that's cute. That's always fun. I always told my friends, go find me some dates. They're like, nearly people... How many discounts does USA auto insurance offer? Too many to stay here. Multi-vehicle discount. Safe driver discount.

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So it's like it never happened. But that's cool. Good, good for you guys. I'm happy you guys are engaged. Not thrilled at both of you live at home. What's the age of this other person? 23. Okay.

It's more reasonable because, you know, move in a little bit after college where you're getting your feet settled and stuff like that. And again, I really don't have an issue with staying at home. you know, it's more Western culture to just kind of move out. And especially American, it's just like, but it's like you said you want to move out, but you're also choosing not to because you're choosing not to work.

So it's just like, eh, how long is, how many times this marriage been delayed? When were you guys supposed to be married? We were originally planning on, you know, February, March. Oh, yeah. When is it delayed to now? Probably middle of the year, maybe July-ish. So is it like paying for the wedding? Is that the main issue?

Yeah. Well, you're never going to be able to. Not like those. I mean, it's worse than ever in terms of you're spending in terms of having money. You're not drowning in debt by any means. I mean, the private student loans is death and sanity kill me. But it's not like this doesn't magically change with the way you're going down and being able to pay for the wedding unless she's doing something unless parents are stepping in of some kind, which I assume not in this conversation. Why don't you guys just go to the courthouse?

Get married. Save up some money. We've actually been thinking about that. Do that and then you can have a celebration at some point, maybe a year later or something. Yeah. Yeah. We've actually talked about that and have thought about that as a path. Because we've just been looking at prices of venues and everything else and it's just already insane itself.

Even though you're a pleasant person and you put yourself well on display and you are, you know, I might get some hate for being a little rude in this episode. I'm just really trying to get some things across. None of this is going to change. None of those goals are going to be hit unless you, you. stop being victim the world is against you. And two, you actually get some work ethic and, like, go grind to get some money, whether or not it's your dream perfect job. Yeah.

Is that something you're willing to change? You haven't done it yet? That was, that's been what I've been trying to work on this new year. It's, and, you know, I'm in the dark whenever it comes to a lot of that. So that's actually one of the reasons I, whenever I got contacted by coming on here with you, it's like, oh, maybe he can, you know, help push me in the right direction, whether it be, whether it be in a nice way or, you know. do the tough love approach here tough tough love that's how i like to be presented so that's how i

present it spending a thousand fifty four when a thousand one hundred eighteen came in yeah of the money that was spent only ten percent went towards debt payments those are student loans uh six point one percent went to like gas um subscriptions was four percent going out to eat was 37 percent i didn't see groceries where was the groceries do you get groceries uh i personally don't know you don't know if you get groceries no no i personally don't Oh my gosh, I was about to lose everything. I'd have a lot more problems if I couldn't remember going to the grocery store. And 33% goes to like miscellaneous, but to get-togito's crap that doesn't matter and doesn't help anything ever.

What about car insurance? Car insurance. Right now that is being transferred over. We had an issue with the insurance wanting to change percentages whenever it was being transferred over for my parents. So that's, you know, just part of the extra stuff that I do at home. So how could you afford that if that one's that gets transferred to you? possibly affording that with the no money that you have extra? Well, that's why it hasn't been fully transferred over to me yet.

Your parents are enabling you. They're enabling you not getting your adult life together, not being a big boy. You're kind of, I mean, you're being a, no, no, no, I don't, I don't, sorry, I don't want to be mean. I'm just trying to get the point across. You mean, spoiled? You're just being kind of a child. In terms of, not how you're presenting yourself.

You're presenting yourself very well. And I very much like you as a person. Like, I mean, you're very pleasant. But in terms of your actions surrounding your income, spending, and everything like that, they're enabling you. You're going out to you. You have no money left over.

You're not even coming close to being able to save it up for a way and saving up to get it out to you. Saving up for getting a car if you go. You don't even spend a single cent on groceries, groceries, bread, not even a single cent. So, they are, by taking care of all these actual bills and allowing you to just stay there, they're just enabling the fuck out of you. Enabling the fuck of you.

It's interesting. I watched a documentary on it, and I've actually had some conversations with people who live in Italy. A lot of what you're doing right now is happening a lot, especially in southern Italy. There's a lot more of poverty to be in a hard economic situation there, but a lot of people, they just stay home forever almost instead of like they don't even, they're like not even applying for jobs as much. Now, again, it is much harder there.

I can get you a job. There it is harder, but it's like, it's interesting. It's full, I wish I could speak better on it, but I watched a documentary on it. It's very interesting. It's, um, or a YouTube video, mini documentary, whatever. It's full of use. Yeah. And it's dramatically hurting their economy because people are just not entering the workforce

and grinding and building things. Whether there's a lack of incentives within the economic structure there, whatever, but everyone's doing what you're doing and they're being enabled by their parents. I don't want that to be you, man. I don't want that to be you. But you have no, there's nothing that's like pushing you.

What's pushing you? What do you care about? Where do you see yourself? Where do you want to be? What's going to push you? You know, that is an amazing question. I've been looking at that. And it's, you know, I used to thought

I wanted to be a professional baseball player. Yeah. I got hurt. Thought I wanted to do something in the natural resources fields. And then that didn't pan out whenever I graduated. And so. Well, we applied for a few jobs. Yeah.

And then, you know, and now it's just slowly devolved into where I'm at today. I think you've given up. Not in a necessarily completely lazy way, but just so many things haven't worked that we've just like, this is our life. You know,

haven't worked out. Why try? You know, maybe. It's like I tell myself one thing. But, you know, it's almost like maybe I'm one of those. people that just doesn't understand the issue that he's put himself in and needs to be,

you know, pushed out. People have requested that I do a live Q&A for a while now, and I'm excited to announce that I finally am. On Wednesday, March 20th at 8 p.m. Eastern, 5 p.m. West Coast, we have an exclusive live Q&A for anyone taking or has already taken our budgeting program. It has changed thousands of people's lives, and we're constantly receiving testimonials from those saving money and fixing their financial future, showing that we made the best. budgeting program in the history of the internet at the best price. Sign up using the link in the description below and join me for the Q&A where I answer your questions live.

Okay, yeah, I mean, I want to find something that drives you, man. Something that's just, we can get just a fire lit under your ass so that you want to go make money so you want to go do something. Obviously what is a big proponent of this again right now, a big aspect of this is you are being enabled. If you were forced to live, you would live. If you were forced to work, you would work. Right now, everything's being taken care of, and there's no drive under you.

And that's just simply shown in the numbers. That's not me being rude. That's just simply shown in the numbers. Just very basic math. You have one obligation, two obligations. The student loan minimum monthly payment and gas. Other than that, you're just coasting. Nothing else you got to do.

What are you doing for health insurance? health insurance right now because of the amount of income that I've made, it's still the 0% whatever through the government. But you're choosing not to make, oh, that's weird. It's, I want to always support people that can't make ends meet, but you can. You're choosing not to. Oh, that's such a, oh, that's such a cognitive dissonance in my brain. Because I never want to see someone die, but you're literally just choosing not to.

It can be. I mean, that's the whole point of this new year. It's, I guarantee you, you know, you told me this even maybe a month ago. I would have been tooth and nail at your throat. Maybe like, no, no. But, you know, just. What has changed? I think.

The fact that it's a new year or what else? No, it's the fact of, I think it's hit close to that original date that I wanted to get married. Oh, wait. You got a date in your mind before you even met anyone? We had known each other for a little bit before. So we moved in to engagement. pretty quickly and we you know we thought sometime in February yeah and then I think now after the new year getting so close to that first date it just finally it started to click at least in that it's like

you know there's more you can do at least and so yeah maybe a month or two ago I would have been that that person sitting back here thinking I'm against the world like it's just the world that's put me in this maybe trash location But, you know, I've talked to my parents, especially recently. It's like, look, I love you, but I personally at least want to get out. It's like, yeah, I'll probably like, oh. Probably. You know, I love them.

No, of course. They tell me it's like, oh, yeah. It's like, we would love you to get out. But at the same time, it's like, like you said, I'm 27. I'm pushing 30. Like, easy. Easy. We're not all that close.

to 30. I'm pushing the hump. It's going to be faster. It's going to be here fast. I'm not turning 29 next month and wanting to kill myself from that. No, that's not happening. No. So it's coming to that first date that's just kind of clicked. It's just like, like you said, there's more that I can do at least to put myself in a better position than I am now. And that's why it's not necessarily given up on a lot of the dreams, but definitely got into that point where you have to do something, even if it's just, you know, maybe working as a janitor somewhere. Yeah. At least until that dream can be made.

Because voice acting is not going to go anywhere. Even with all this AI stuff that's... Well, not necessarily, but I definitely don't ever want anyone to give up on their dreams. Oh, no. But I want to be realistic and also taking care of... Exactly. Exactly. And like you said, like the numbers don't lie. Like, you can be the nicest person here. You can be the meanest person here. But it's like, what you said, the number.

numbers don't lie. It shows that I have a lot more space to improve personally that I've put myself here. I think for the remaining of this conversation, for the future of this conversation to get somewhere, we need to turn this into a three-way. Well, maybe. I don't know if she's into that. Are you willing to come on? So come on. What's your name? My name's Penn. I'm Sam's fiance. Penn. Wonderful. I know there's a bit of, he may have said a couple of things incorrect if you wanted to address? First off, I am not 23. I'm 24.

I currently, I currently make 15 per hour working from home. On average, I work about 30 hours a week. Well, she's killing you in the job part. Yep, no, she is. What are you doing? I am training AI. Really?

In what way? Like, you're just talking to a chat box all day? I'm teaching AI to not tell people how to make pipe bombs, you know? Interesting. Basically saying, hey, if someone asked for this, maybe you shouldn't give them the information. Why is this the job you're doing? Because it's only $23,400 a year. So together we're making a whopping, like $35,000 a year.

Because I am currently trying to save for a ton of dental work. I'm living with my family because my mom has rheumatoid arthritis and fibromyalgia. Not yet. So what are you guys going to do? I'm currently trying to work with my younger siblings to teach them better how to do stuff around the house. They're going to want to move out too, though, aren't they? Sounds like this person will need extra help, maybe in home. Not the youngest.

The youngest can't move out on her own. I'm not going to disclose why. Is she able to take care of this person? Yes. She'll be able to. My mom can move around on her own for right now. And when she wasn't able to, she had crutches. She had a little scooter.

She'll be okay moving around on her own. It's just taking care of everyday household chores. And my dad's home too. So what's all, what's in your savings? Currently nothing because I went through a, I went through a stint of unemployment. And I had to pay for things around the house. I had to pay for car insurance.

You landed, though. You actually are bringing in money. You've chosen to go get a job. You could be doing this. You've chosen not to. You've been in that corner in our little guest area, guest of the guest area. What have you thought of this conversation so far

in terms of his money, in terms of his lack of effort? I've seen you say a lot of the things I tried to say to him in the past, and he didn't listen to me because he didn't want to. And it makes me feel a bit better seeing that I'm not crazy. I'm not being the Beyonce. You know, it makes me feel better knowing someone else is seeing the issue too.

Because there have been so many times when I'm like, well, why don't you take these long substituting jobs that are like 11, 13 days? and I don't even remember the reasons you've given me in the past. It's been something or another. Do you see him being just a lazy person in terms of work? In terms of work specifically, not all throughout life, but in terms of working and bringing in that incomes. He does a lot of auditioning for jobs,

but I don't see him going into a lot of jobs. Okay. There have been a ton of jobs where there have been really competitive markets. I've tried to do voice acting for. Sure. and he just didn't get it. Which that's fair. If we're in that industry,

we're trying to audition. But in terms of going and actually just making some more money, when we know that's not working. I just haven't seen it. A little bit. And we've had conversations about that? Why haven't you given a shit when she's brought it up? Like, you guys are building a future together.

Why haven't you listened to her at all? When she's obviously right, it's exactly what I've said. So why haven't you cared about what she said when she's brought up reasonable points? that hey dude you need to go make some big boy money so we can actually start saving for anything at some point how are you guys going to get a place on your own zero thousand savings across the board he brings in no money how are you guys going to have health insurance how are you

guys like what's the plan here what happens when his car breaks then it's like you use her car like what are we doing why have you not listen to her yeah no and i don't have a i don't have a good excuse for that one like i don't i'm not going to try to fish for anything either okay You don't have a why, though, because I want to be able to combat it in the future when it pops up. If you don't have a why, well, it's going to prevent that from popping up with the future. I don't think I have a good why right now. Y'all, this is the time to switch to my favorite high-yield savings account. With SoFi, you can get 4.6% on your money.

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Stoverness, ego. He's a guy. Oh, I try to listen. I try to listen. Well, she shook her head, yes No offense to you, but he's Matismo. He's a guy's guy.

He tries to be. A guy's guy's guy. I don't know about a guy's guy. I never heard someone call him a noodle. I mean, I don't have much of my bones. But I just, I think he hasn't listened because it hurts to know that you could do back. but not fully understand how.

And money is a hard conversation. So he didn't know how much you were making. How much do you guys know about each other's personal finances before this conversation? How aligned are we? I've known quite a bit about his finances. Yeah. He doesn't know quite as much because it just, I don't really ever think to talk about it. It's not something it occurs to me to talk about.

I have tried to wrangle him into getting more involved in the wedding planning process. Like, hey, if you want to do this, if we want to do this, you need to start doing this. And I'm going to start doing this. And it's all sorts of different things. Yeah. But it's definitely a hard conversation to have. I have tried to have the conversation in the past. It doesn't really get anywhere. So I'm hoping this is a good Kickstarter to talking more.

about it more frequently. Have the finances strain the relationship? I wouldn't say that. Really? Maybe because we're not living together. We don't have shared bills. We don't have shared responsibilities yet. But what's going to happen when we do?

When we're trying to pay rent and one person's not helping the household, trying to get groceries when a person's not helping the household. Trying to pay for a kid. One person's not helping the household. I personally don't plan on having kids. What's an example, though? What are we going to do? though when one person is not contributing to the household.

It's going to put a strain on the relationship. That's again, the leading cause for separation. But that's not what I want to see you. I want to see you guys going forever. Don't for before we get into it. We need to sit down, probably at least once a month at this point, just talk about our finances, our goals. What's it going to take for us to get to the goals that we're trying to do

and see if we're aligned on them? You guys need to be aligned. If we're not aligned going into this marriage, that's a scary thing what can we do to get this man out there working what can we do I don't know what do you think we could do to get you to get off your

and start going and substituting more often or doing something well I've already started doing that with the start of the new semester now you know because schools just schools just started back up he did substitute I think like three days last week, which is more often than he did last month.

Yeah, he did three days in the month. It is more often. In my defense for this one, school just did start back up. Yeah. And typically there is an actual thing where teachers aren't really allowed to take off the first week before or after a school break. It's kind of like a no-no. So being a former-

But the flu is the flu. Being a former educator, I'm a bit more aware of this. Child care, I started when I was 19 because I needed to be at home so I could help my mom around. So I could help with the house. So I stopped going to school and I started working as an educator. I stopped doing it because the state of education is really rough. and it was really hard on me emotionally and mentally. That's fine.

So what's our goals as a couple? What are we looking at a year from now? Where are we? Financially speaking. Live. Where are we in our lives? What are we doing? A year from now,

I would like to be living in a modest apartment, hopefully like 1,100 a month, which is modest, surprisingly, nowadays. Which, to be clear, is not even close. close to possible today. Not even beyond close. So a year from now, that scares me. But go ahead, continue.

Married. I think, I have full on resigned myself just going to the courthouse, being like, hey, we're married. We signed a piece of paper. Yes. You're done for it. And do a celebration later or something. That was like the initial plan.

And then my parents were like, you can't do that. You need to have a ceremony. because the ceremony isn't about you. It's about your family. And they said they would help pay, I think, to get us roped in. And then once I was like, okay, they said, no, we're not going to help. So I was like, cool. Back to the drawing board, back to a courthouse wedding.

Dude, stop at the courthouse the way home. Like, I don't even care. Like, just, who cares? I mean, I get it. If you want to have a big wedding, you want to have a big wedding, but it doesn't seem like you guys care. So it's just like, do it, right? to whatever you guys want to do.

It's you. It's you. People, it's you. But I've actually been working on getting a job with the post office because it pays like 26 an hour. Good, and they're delivering things, and they need way more people in the office anyway, so please hire you. Like, we need more people, my goodness.

Oh, my gosh. Actually, the person delivers to my house is awesome. He's really cool. But either way. Okay, married, modest apartment. Working at the post office, hopefully. Issue is it would take me relocating, and I don't have any money to relocate it.

It would. Okay. They wouldn't cover relocation costs. Probably not starting positions. Which is fine. What are your costs, though? You bring in $25,000 a year. What are your costs right now?

Right now I have car insurance. I'm paying for groceries at home. For everyone? What's wrong with dad? Dad works as a manager at a fast food restaurant, so that's not a lot of money. It should be more than $25,000 a year, though. Should be. What fast food restaurant?

A chicken express. I can't speak for that. I've never looked into their numbers. As far as I know, I'm making just a little bit less than he is. I think he's only making $17 an hour. They have such good biscuits there. It's wild. I know.

And my dad's like, oh, they're too dry. What are the way you're talking about? Anyways, like, it's... That's interesting. I wonder why he's making so little as a manager. Is it like an assistant manager? Is this a general manager? Like, what are we doing here?

He is now assistant general manager. I'd need to look into that little. I would want to look into his position. Now, it might be a small town thing because you guys are in a small town. I'm actually in a smaller town than he is. Well, that speaks to it even more. Mm-hmm. But, I mean, $15 an hour, 40 hours a week.

And he should, because, I mean, this is not, it's not Austin, to be clear. But you can't basically get a job that's below $15 an hour in Austin, like starting. Yeah. Now, small time, a completely different situation. But all I'm saying is if he's at $15,000 an hour, 40 hours a week, that's $31,200 a year. Like, I feel like he should be making closer to $40. But either way, either way, it doesn't matter. I've never looked into their numbers.

I can't speak out uneducatedly. So it doesn't matter. Where do you guys go, five years? Where do you see yourselves? Five years. Oof. Hmm. This is what we've got to talk about and think about?

What are we getting into this without goals? We're getting in this without being aligned on things? Five years, I'm hoping to get my commission art business off the ground, hopefully with an actual studio somewhere. Okay. This is completely different. Yeah, like, do the post office thing part time. Do my art part time.

actually hoping to find a substantial job sometime in the future where I can... We don't hope to find. We don't hope to find. We go get. We go get. We don't hope to find. I will go get a job that will allow me to also chase my passion. Can he work for the job you're doing right now? No. Go to F McDonald's, dude. You're desperate to hire. People will not work the evening shows there and you've got nothing going on. You've got nothing going on.

He has nothing going on, right? As far as I know, he's got nothing going on. Buddy, go make money. Like, okay, okay, okay. Well, either way, getting into a department within a year, it's going to be a tough task. You need to go make money now. Let's go get married.

Let's combine our accounts. What scares me drastically, you're a little younger, so you have more of an excuse. Retirement, man. You guys do not. want to be in a marriage situation where I know way too many people, unfortunately, even just in my own life, who are just that older age, they can barely even work anymore. And they can't retire. They literally can't. They can't afford not to work because those security is not enough.

I don't want you guys to be in that situation. Right now is when you choose not to be later, but you have to choose now. You can't choose to be able to be in a good position to retire at retirement. You have to choose now. But you guys aren't even close and close to a position where there's any semblance of retirement. You guys can't even move out of your own houses right now. Yours is a little less of a choice. Yours is beyond very much a choice. Okay.

So yeah, what I would do is that tie the night, tie the not, a listener. She says get a job. You're not being an adult. Go get a job. You need me to yell at him. Let me know. Okay. But you need to go get a job.

Yes. You probably need to get a better job. And again, everything's always easier said than done. But there are jobs out there. And we have to, you know, we're the work in interview skills. We need to work on resume skills. But do that, tie the knot, get a department together, hopefully if in the next year or two.

Teach your siblings out to take care of the parents. And we need to start contributing to retirement. Your student loans, I'd pay off as quick as you absolutely can. I'd actually prioritize that over even moving out. So I'd try to get as much money as you can. Now pay off the student loans. You don't want to bring a 14% debt to her. That's not fair.

No. Do you have any debt? No. That's incredible. Get a six-month emergency fund before you move out. Pay off that debt. Get a six-month emergency fund before you pay out. Moving together, tie the knot,

and start contributing 20% on a monthly basis to retirement. Keep your household needs, 50% or less, of your income. 30% can go to fund. As long as you're hitting that 20% in retirement, that's the minimum. That's number one responsibility. Your needs, we try to keep it around 50. If it's a little more, then your needs are a little less.

We don't cut down in retirement. But if you're needs, are a little less somehow. You need to bring in more money for that. So I doubt it. But if they are, you can have more fun. For retirement, I need you guys to start contributing after the six-month emergency household fund, 20% to retirement.

So you guys can actually live those later years like every human should. That's what I need now. Right now it requires you growing up. Any final thoughts across the board? Thanks. Thank you in general for reaming him. Someone else needed to do. If there's basically no money and the money that there is going somewhere else,

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