Financial Audit - She’s Hiding $330,000 Debt From Overseas Husband | Financial Audit

Episode Date: April 12, 2025

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Restrictions apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Liar! It wasn't even you coming out and saying that you had to get called on your bullshit. I got called on my shit. I couldn't be like, hey, I know you just got like blown up in a tank overseas. Sorry about it. Liar!

Liar! Liar! Download my new simpler budget app to date and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. My name's Cora. I'm 26 from Knoxville, Tennessee, and this is financial audit. Thanks for coming down from Knoxville.

What do you do up there for a living? Up there, I manage a, well, I have two jobs. I manage a luxury tattoo studio and I'm a marketing director for a small jewelry company. It's a luxury tattoo versus a tattoo. So like, you know, when you think a tattoo studio, you think kind of like a little trady-doughty shop, like art on the walls everywhere. We kind of look like a spa and we tattoo out of it. Okay. Okay.

So just think like really bougie tattooing. Dirty needles, but elevator. Gotcha. Clean needles. And the second job? The second job, I'm a director of marketing for a small jewelry company, specifically body jewelry. Perfect. What do you make in each?

So I make 21 an hour as a manner. at the tattoo studio. How many hours a week do you work on that? That is 40 hours a week. That's my full time gig. Okay. That's your full time gig. That's my full time.

Oh, so the marketing is the, yeah. Marketing director is my park time. I make 23 an hour and I average about six hours a week doing that. Six hours. Yeah, it's not a lot. There's not a ton that needs to be done. I have a small team that's doing the bulk of it. I mostly go in and I set up the scheduling.

You have a small team? Yeah. Why would the person that has the team be the one that's not making any money? You're not making any money. You're not managing them. I give them what they're supposed to do and they go do it as to whatever they need to do. I go in and I take all the product photos and I know. I take all the product photos.

I tell them what to do. So what's doing your account on a monthly basis? Well, I also have a husband so we're dual income. Oh. Yes. Cool. What does he do? He is a bar manager for 12 local bars.

Wow. Okay. So what hits the house on a monthly basis? On a monthly basis with the jobs we work with the like VA money that comes in. we make about 8,000 a month. Who's VA? Husband is VA. Okay.

Yeah. So, retired military. So what all comes to? Is it disability? Yeah, disability pay. Okay. Yeah. So it's every time.

I know, every time. I'm not like questioning it. I don't know. It's just like, I hear a veteran. I know for a fact they have disability. Yeah. There has not been one veteran on the show that does not have disability. Well, he did get blown up overseas in a vehicle.

That's a good way to get disability. So some very serious injuries came. out of that. Well, no, no, no, trust me. I'm not questioning it. I'm just like, if I hear it, I know there's going to, there has not been one without it. So it's an interesting, it's an interesting thing. But, okay, so what hits the account on a monthly basis?

About 8,000 a month. 8,000. Okay. Cool, not bad. How we live in Knoxville? Knoxville is not an over high cost living area. It's really not. It should feel better.

And. Why they're not feeling good? I'm in some debt from when I was like 18 that I have yet to escape from. I mean, that's eight years ago. I know. What's the issue? Well, the issue is, is like, we've, so we paid off some debt. We got it right back up.

We didn't actually fix the spending habits with it. How'd you pay it off? So got a reimbursement check from when we filed. You mean husband? Husband. I'm so sorry. Husband filed for VA disability and the disability back pay came in. We took that money.

Okay, so it wasn't any effort you guys actually put in. It was a lump sum, yeah. And so then we spent it right back up. We got into some. What happens every time? That's why I'm kind of against it. They'll change your behavior. Well, we thought we did and we did it.

You thought you changed your behavior? Yeah, the money was gone and then it came right back. When was this? That was four or five years ago? Okay, so it's not debt from when you were 18. You paid off the debt. No, one of them is and we'll get there and you're probably going to yell at me from that one. This is a lot, though.

It is a lot. In fact, I see a lot of individual debts. Oh, they f*** one's a mortgage, because that's an insane number for your total debt. It really is. Okay, so one, but one out of like a thousand debts. I know. The rest of them we built back up because, like, lost the job. Okay, but it's not different when you were 18.

It wasn't you just being a dumb teenager. This was a few years ago. Yeah, but you know, one of them was. Okay. The biggest one was. The biggest credit card. No, no, the credit card. The biggest credit card was.

Okay. Yeah. So that was from when I was 18. Bigger's credit card, but not the biggest debts, which besides the mortgage again is car loan. Those are new. Yeah. So it's not, okay. I just kind of want to immediately take a step back.

I'm just, when looking at your, your overall situation. No, it's not just a stupid little mistake you did at 18, which okay, that would just be a different setup. Then the reality is, okay, a few years ago, we were basically death-free and then we decided, wait, let's not be. Yeah, but- It's just important to note the actual reality of the situation. It is, and I mean, my husband now knows all about it. He didn't know all about it at first. Wait, didn't know about what? Some of the debt. So when we initially He really paid everything off. Wait, he didn't know about all the debt when you guys made that lump sum from his disability?

No, he didn't. So you used the lump sum. He didn't know? He said he wanted to use the lump sum to pay off her debt. We paid off our debt. I just didn't tell him about some of it. I just didn't tell him about some of it. Why?

What's the point? There was a lot of embarrassment and shame there. And like, I thought I could handle it whenever all of that was gone. Oh, it definitely was. Like, don't get me wrong. I fucked up. Or I'd have to come back a few years later and be like, you know what? I mean, I messed up.

I've admitted to my wrong. We've gotten past that. Okay. And now here we are again. So like we're trying to get through it again. Again, what do you see? Okay, again. Not again with a lie.

Not again with a lie. Again with the like large amount of credit card debt. Built up over how long? Because it's not since 18. So this. It's not since 18. This that you're going to be looking at has been built up over the past four years. So post deployment.

Post deployment. When was that lump sum that came in? That was 2021. because husband came home from deployment 20. Yeah, so from 2021 to now. It's like four years. Consistent buildup? Consistent buildup. So it was

like we lost a job and then we had to pay our bills still and we still had my groceries. You didn't have an emergency fund. We had no emergency fund. Did you cut back your life expenses? I'm going to say no at the time. At the time, definitely not. If your income changes, your expenses needed to change with it.

It's as easy as that. Yes, but the income hadn't like drastically changed. And then we lost the job. Well, we lost the job. And that's whenever it started getting bad. And that's when we cut back the lifestyle. But we still had to like. Well, that's what I just asked.

And you just said, no. Well, like, I hadn't really been budgeting up until then. No, no, no. I'm just confused. You said nothing changed. And now you're saying lifestyle was cut back. Well, things had changed, but it wasn't like a drastic change. Like, I didn't, I didn't like cut back on everything.

Did you cut back lifestyle or not? I mean, I was- Did you cut back lifestyle or not? I tried to where I could. Where you could. Where I could. So, like, I was working. I was working in retail and I was getting

regularly dress coded for not like being the most up today and things like that. You lost your job, you said. No, husband lost the job. I'd had consistent income this entire time. Husband lost the job. Dress code and retail? What are you what are you talking about? Well, we work at Old Navy and they're like, hey, you're not wearing your fucking old Navy shirt today? Pretty much. Pretty much. And that was regular. It was every day. It got to a point where it was just really bad. It was really top. Shirts, right? And just wear them over and over again. That's what you would think. But then like new season comes out. You have to get new season stuff. What source is this can you say? I mean, yeah, I worked at Victoria's Secret. Okay. And as they're cycling through product, you have to be

the most up to date and things like that. So like you have to be on top of it with it. And that was a regular dress code issue. So I'd have to go and spend money and go change and come back and clock into work. It's like some of it I cut back on. Yes. Like I wasn't Uber Eatsing all the time. I cut back on my Starbucks. But I still had to like spend money on things that I should have been spending money on to be able to consistently. What's the major issue today then? Major issue today is that I have a lot of debt and I am now on a little bit of a time crunch with some things. I, I started filing my taxes for this year. This is the first year I've ever, supposedly owed. I owe about three to four thousand dollars. Okay, why? What happened? So I'm not

100 percent. We're both W-2s. We don't make any tips or anything. So I went in, I've been filing jointly for the past five years. And this year, I'm filing jointly. No, I'm filing jointly. This year, it says I owe $3,500 here. So I go to a new one, and I'm throwing $4,000 there. Then I go to another website, and I'm voting $3,000 here. And, like, I'm freaking out because we have this giant surgery that's coming up that's going to cost us a significant amount of money. So has to have a surgery. The medical is considering it an elective surgery.

It's going to be like... Oh, it's not a critical? Unfortunately. But it's not a life-saving surgery? It's not a life-saving surgery, but it is going to change the, like, how, like, we live our lives. So, like, there's a lot that's going to come with this. And it is...

Okay, but it's not needed life or death. No, no. Like, husband will continue to live past this if we don't get it. and we do we need to get it right now? Yes Even though it's not actually

There is a lot of pain that is going on with the surgery It's to alleviate It's to alleviate some things It fixes physical pain Yes Like some physical and mental pain

That's coming with it Okay How much is this going to cost? 6,500 Which I have in savings I was trying to save double the amount That the surgery was going to cost Why

So I have PTO that I saved up over the past couple years. Husband does not have PTO with work. There's no benefits like that. Yeah, but disability comes in for husband. How much comes in from just disability? About $2,100, and that covers our mortgage, and that also just goes straight to savings for the remainder, so that that money is just constantly building up to be saved.

$2,500 is your mortgage? Mortgage is $1,600, and we get $2,100 from disability every month. That's 20% of your income, yeah. Okay. So that covers that. And then we wanted to save double that so that we have money for like the one month recovery process. I'll have enough BTO saved up for that. But now like I owe like almost $4,000 in taxes.

So that's almost like the whole amount that I have saved up. So that's kind of where I'm starting to like really panic with all of that. So like I had the money. I was feeling good. I was going to cash flow it. I was still going to come out the other side with some money. And now it's not looking. like I'm going to come out on the other side.

What's had? On top of everything else we have to pay for, in like about a year in a couple months, there's the potential that we're going to be moving state lines. Was this military? No. A husband is applying for PhD programs right now. Oh, well, which would, by the way, I mean, yes, some, I mean, you can get some money from that, but it's not going to move.

It's not going to make it a lot. So there is going to be an income hit. There is going to be a bit of an income hit. And we're trying to save up the money so that if we do move state lines, PhD in literature. Okay. With a specific focus in Appalachian and African American literature. Okay.

Yeah. Don't look at me like that. I know. It's a growing field. There's an actual field for it right now. African American. Okay. I was like, wait, Africa and Appalachia?

Where is that by African American? The crossover of the two. There's an actual field that's divulging in it and there's actual work to be done in it that is actively going on. So husband is in like... Yeah, for like... No, no. It's like actual research fields that are going into it. Yeah, but for like...

What's the employment sector look like? I mean, it's actually pretty high with the archivist positions and things like that that are coming out. Not insanely high. Not insanely high. Do we know the job openings versus how many people are trying to get in? Me personally, I don't. This is a big decision for the household. This is a big decision for the house.

I'm not against going into the PhD thing, but what a lot of people do is that permanent college routine where they go to college to get another degree to then get their advanced degree to get their mega advanced degree. so that they can go and teach college. And it's like, oh, hopefully they get that program. And that's the other option. Colleges are going through some hard things. And then who knows what's shaping up with the Department of Education. And college enrollment rates aren't looking completely great, which is what funds, a lot of things like this.

And I feel like those programs would be the first ones to go because they don't really matter. So that's where it got a little spooky because where we're at now is kind of prime territory to get into this study field. But we kind of got pulled to the side and told like, hey, funding cut. So we're in like the Appalachas. So like that is where they're doing the research. and things like that. But we were pulled to the side and told, like, hey, instead of applying to like five PhD programs, you got to apply to 20 now.

So, like, pick some places. Yeah. Not all of them are going to, like, accept us. 20 colleges teach them. Okay. But, you know, that's also an expensive hit because we have to pay for the application process. And then if we start and, you know, we have to move to a new city, like, I have multiple

pets. I can't just get an apartment. Like, I have to sell my house by a new house. Oh, sell the house. When did you guys get this house? We got the house. three going on four years ago now. And we do have some equity in the house.

They're building new subdivisions and things like that. I think it's about 50 to 70,000, depending on how much we could really sell from the house, would be what we got in return. And then I think in actual equity, we have about 30,000. You think so? Yes. Equity of 30,000.

So maybe you'll walk with 10? Maybe. I mean, our house is on the upskirts of the market. Which would help you get into an apartment? They're building subdivisions and things like that around us. So, like, our house's value has gone up significantly. Or that's more supply, which brings down value. Like, I don't know.

It depends. Well, that's not, it's an issue for you as a specific owner, but I think it's an overall good thing for people to be able to, the market to be able to meet demand. Right. Okay. So a lot of big expenses coming really fast. My goal was ultimately be like debt-free by 30,

and like now my time frame is like, you know, I got like a year. So I got to speed things up. Well, we're barely getting any proceeds to be able to throw it towards the debt, if we're being honest, because that debt is absolutely insane. were almost the six figures of literal just bad debt so $10,000 won't make too much of a dent that might get you into another apartment that might help with some moving costs to a city so that we can spend time and effort into a degree that might not create a return on investment. Let's be real.

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And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. Now, we don't have any student loans for husband. But you do. I do. So, okay, that's not the biggest issue. Like, student loans wouldn't be the worst loans. We have horrible loans throughout.

I'm just saying, like, you can use $10,000 to pay it off. And you guys have only paid off all your debt once before, right? I mean, a couple times. Like, we used some money from the deployment to pay off some debt. Unemployment? No, from the deployment. The deployment. How many times you guys have paid, how many times have you guys paid off debt?

Three. When? Well, deployment money we used to pay off debt. When? I'm telling you. Yeah, I went like how long ago, not when, I don't know when he was deployed. Was I there? Was I deployed?

No, but I was giving you the timeline. So it was at least four years ago because I've built. to back up over the first four years. We heard about that one. Yes. What's the other two? So I'm telling you, prior to that was the deployment. So we paid off the debt there.

We didn't have a ton. I don't know when the deployment was. That was like 2020. So 2020 we paid off debt. 20, 21 we paid off more debt. And then I had paid off from my debt. Within one year. Within one year, we had to do it twice.

Okay. And the time, the other time was when I was 19, I tried to pay up a bunch of my own debt. Tried to or did you? I did. I didn't pay off one of them. I got rid of everything but one. How?

I had taken some of my like college refund money and paid towards that instead of putting it on my student loans. So I was receiving refunds every time I like enrolled in a semester, which was just excess money for my student loans. It should have been putting back on my loans. But you were just using student loan money to pay off credit cards. Yeah. So it wasn't actually debt. Okay. It was kind of like a consolidation.

So like. Yeah. And it's actually meant for like school or school related expenses. Like the credit cards. So like it kind of balanced itself out there. Kind of. Let's see if they would think that going into it. They won't.

Okay. So then you've got to move all the animals too. Yeah. And you don't know where you're moving. I don't know where I'm moving. We won't know until probably three months prior to moving. So $8,000 is going to go down to like, okay, of the $8,000 that comes in,

minus you, minus the disability. What does he bringing in? Makes about $40 an hour working 35 hours a week. So that's on average, like a $2,000 check. $40 an hour. About 35 hours a week, yeah. There's some taxes taken out, so like, what, like 18 or so? What?

That would be $5,600 a month before taxes. What are you talking about? Oh, you're asking on like a monthly basis. Sorry, that's per pay period. So I guess it's what? You guys get 16,000 hours a month? Hold on. I'm sorry.

My numbers are getting mixed up. How are we struggling at $16,000? How much comes in? I'm trying to figure that out. 11,000 hit, but one was a university deposit. Is that one of the payrolls? No. No.

Then what the fuck is that? So we are bringing in about, about 8,000. I have BA, 2,122, and then I have payroll 6,527. So husband's hours have been cut recently because the winter, there's not as many people at bars. That has not already enough so, though. What was it cut down to? It was cut down to like 15? It was cut down to about 20.

Okay, well, that makes a little more sense. Yeah. That was the winter season. We're getting back into the summer season. So bars are. picking up more hours. What can I say it comes in? What can, what was the University of Tennessee deposit?

That was, I'm trying to think. It was put back into your account. It was. Oh my, come on. I'm sorry, I'm not looking at the bill. I'm not looking at it in front of me. No, 3, 115. That's an insane amount of money.

That's substantial. $3,000 from University of Tennessee. Oh, my good. I'm sorry, I don't have the statements in front of me, so I'm getting real mixed up all my numbers. That was likely just a refund from where we have to occasionally pay them forward and they reimburse us when we get our chapter 33 in. Do I have to call him to get clarity at some point?

No, no, I'm thinking it through with you. I just need an answer. Okay. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Price line is here to help you make it happen. With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip.

Book it with Priceline. Download the Priceline app or visit Priceline.com. Actual prices may vary, limited time offer. Where do you think you are in a scale to 0-10? Zero being the absolute worst, 10 being the absolute best. Where do you think you are? I'm going to say one because I do have a home at least. You want your annual financial score.

Go to Calebhammer.com or check out that link in the description. below. If you want to come on this show down here in Austin, Texas, hang out with us for a bit. Go to calebhammer.com slash apply. We would be happy to have you on this show. All right. Well, we're starting with first financial bank.

Yeah. So that one is the one that was hidden that has never been paid off. So because you weren't embarrassed? So I was 18 at the time when I applied for the car. Yeah, but it was hidden four years ago. Yes. You weren't 18, four years ago. So I don't give it about 18. They gave me like a $20,000 credit limit. I ran the all the way up to the $20,000

pretty much immediately. And I worked to pay it down some, brought it back up. We started paying off debt in these lump sums. And then I panicked because I didn't want to be the guy that was in the wrong in the situation. Like I was. I was. But I was really like I felt horrible about that. Were you married at the time? We had recently gotten married. You're hiding in debt from a married. Yes. It's all in the open now. It's all fully out in the open.

When? Why did it become in the open and when and why? So three and a half years ago, husband got the mail, opened up the letter from the company. It was a bill for $18,000 said, hey, this is wrong. Like someone's gotten your information, like what's going on here? And I, there's obviously nothing else to do, but then to be honest. So I said, hey. So wasn't even you coming out and saying it.

You had to get called on your bullshit. I got called on my shit. And I got called on my heart. And how can you trust now? It's a level of trust to where like everything is just out in the open all the time constantly. Until it's not. Everything. Like our first year of marriage we spent apart.

So like obviously like things like that were harder on us just from the deployment was our first full year of marriage than coming home and getting back into things and injuries and everything else. and then opening up this and there's this giant lump sum that I owe. And I couldn't, I couldn't be like, hey, I know you just got like blown up in a tank overseas. Sorry about it. Here's this $18,000 bill that I ran up. What the fuck? You had a lot of time to talk about it. It wasn't just after the fucking explosion.

No, I just, I had. That's a cop out. It was. And I felt ashamed. That is. And I just try to make that excuse now. I just felt really guilty. Like, we had only really dated for about like a month before we got.

married. We had known each other for a little while before that, but it was one of those, like, speed-run relationships that you see in the military, and I just... Where did all this money go on this card? Because, listen, if you've had this card since 18, there would be a little more progress on it. Even just minimum payment without any purchase.

So, let me just purchase is right in here. Listen, and it's basically maxed out with a $389 minimum payment, which is insane. The balance is $10,763 and 37 cents with 84. dollars and 90 cents of purchases.

So why are we purchased? What have you done with this card since the debt payoff since? Since it became out in the open, like I, we had to put our, we had to put our rent on there a few times. Before you got the mortgage? Yes. Prior to the mortgage, it was about $1,200 at the time. Then you don't go get a more expensive mortgage if we're not paying off the card where the

rent was put on that was cheaper than the mortgage we are paying. But at the time I didn't have any way to pay my rent. I had to pay my rent somehow. That's not the point. Pay down this fucking card instead of getting a, Yeah, but my rent was going up. And at that point, I could, I could have a mortgage that was the same as the rent of the crappy apartment I was in. A mortgage that you might have an equity position, we don't even know.

You think you might have a $30,000 equity position? Well, that's not very much. And that can move up or down depending on where you're forced to sell it at. I mean, yeah, but I... You had an $80,000. I would feel, if you thought you had $80,000 of market position in your house, I would feel confident that you'd at least walk away with some money, because you would be able to do price cuts, if not.

necessary and you'd still walk away. $30,000 after all the fees and commissions and everything, you would have to get it at the exact price you think it's worth without any movement for you to walk away with like $10,000. But the thing was, is my rent was going to be increased to $1,600, and it was that or I could buy a house and get a $1,600 a month mortgage. So, like, at least I own a home and I'm not in an apartment. Right, and you have maxed out credit card for that you're putting all your rent payments on

from before. But all my payments have to come out, just fine now. You purchased on here. Yeah, because you're putting your fucking purchases on the credit. If you were just running out of a debit account, would you even be able to pay your mortgage? I don't know. Yeah, it should be good. I just have to get rid of a few things.

What does that mean? If I get rid of a couple of credit cards, then I can start cash flowing things. You're purchasing on the credit cards. Because I can't cash flow them. So I've got to get rid of the credit cards. So I'm paying the credit cards down at a higher rate. How much did you spend last month? I would say I at least spent what I brought in.

So if you're saying that I brought in like 11,000, I've probably spent about 11,000. No, no, no, because you can't say what that deposit was from, let's take away the University of Tennessee. Okay. You brought in about 8,600. How much was spent? I would say about 8,000. Okay, 9,600. So you spent $1,000 more.

Yeah, you're going to cash flow. What cash flow? You put it on credit because you don't have enough money. But I'm trying to get to the point that I have money. Trying. Oh, that. Yeah. Oh.

If we're trying, that means the math doesn't exist. That means if it was all on debit last month, because we tried, and we would have cash flow. And I looked at the minimum payments and I looked at the interest rates and I tried to just add up a little bit extra. And then you didn't look at your spending because it was a thousand hours more than Canaan. No, I did not look at my spending. I was trying to look at how I could get rid of all of this. Maybe we look at our spending.

Maybe we'll look at a budget. Maybe you build a budget. I mean, I've just never successfully built a budget. What does that mean? So, like, I've tried to do some budgeting. I've tried a couple different routes and avenues for budgeting. And I've just seemingly have always gotten the numbers off. and wrong. So I tried some budgeting apps and the budgeting apps I couldn't get them to

sync up with my bank in a way that it would actually like zero out at the end. So we've got military banking because of military and they don't like to work with the apps. So then I went to paper just writing everything out doing a weekly budget. When I got to that point, my weekly budget wouldn't match up with what was actually coming out of the accounts. So then I tried to go and through an edit. Now I do a bi-weekly budget where husband and I sit down. It's away from the military accounts. I mean, listen, I'll give you simpler budget premium for free forever because you guys on the show. We're switching to a new payment system on the back end, no longer plaid.

It's a payment system that includes all the other payment systems. It's a balloon one. So I would actually be surprised if the military ones don't work with that. So I don't think any other budgeting app as far as I know is using what we use. And we're doing it so that everyone can connect every account. Because, again, my goal is to make this the best budget app ever. So you get it for free. You get it for free.

husband gets it for free. You guys get a free week trial. And for those who sign up for the annual version, you get the simpler budget founders edition notebook signed by me, mailed directly to you. So make sure to check out the simpler budget app in the app store or Google Play Store now. But okay, so not looking at budget because never figured out to make the budget work with your banking system, I guess.

I mean, I tried the paper budget. and it just wasn't lining up with what was actually coming out of the account consistently. So that's where I got into some sticky situations. Plus, like, we want to go out. We want to have fun. We want to do things. Okay. Well, that's different.

Like everyone else wants to do. I mean, if you budget, you're putting that in. I mean, that all of a sudden doesn't mean a budget doesn't exist. What are you talking about? Guys, I just wanted to say an extra thank you for making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future. and we've been hearing from you.

So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two-week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, we'll get a Founder's Edition, simpler budget notebook. And it is signed by me sent directly to you.

So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download simpler budget now. It's incredible. The time to take control of your finances is literally right now.

And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Well, I'm trying to figure out, like, what does that budget actually need to look like? So, like, I've really cut back on, like, a couple of things. You need to look like for what? For like what? For like what am I wanting to do for fun?

What are you wanting to do? Like every sort of, I want to go out. I'm going to go hang out with the girls. How much you want to spend on fun? I mean, I would like to spend like $100 on fun. Even though you have about 80,000 hours

a really horrendous bad, high interest debt? Well, I mean, not right now. I want to get rid of this first. But like I would like to get to a point where I can like go out and have fun. Then why would we need to put that in the budget now? I mean, maybe not right now, but like later. Yeah, there was $727 of going out to eat.

Yeah, how much you think was spent on miscellaneous bullshit? That could be video games. It could be whatever. We're about to find out, but it's literally miscellaneous bullshit. I mean, this one... No, no, no. How much? In the most recent month, the statements that we have. How much?

I'm going to say $1,500. Okay. Yeah, 1900. Okay. A little closer on that one. What are you talking about? That's almost $2,000. I mean, it's not what I want, but it was my birthday month.

I was trying to, like, go out and f-s-off a little bit. Military man, shoot this woman. What are you? is happening birthday month what are we on well what is this is this a new invention that people are just doing i told myself i was going to be like really good leading up to my birthday month i was going to cut back on my spending and then for my birthday month i could like kind of treat myself for a month maybe for the birthday that even the birthday with the birthday fucking month the birthday well i've got some like one out of 12 you're going to destroy you're going to destroy your life

for one out of 12 months well no but like my one friend group wanted to do this i have a different friend group that wanted to do that like i just have a different friend group that wanted to do that like i just They should treat you since it's your birthday. Well, I'm not going to expect people to pay for me. Not expect, but maybe they should. Like, I got to be able to at least afford my own if I'm going to go somewhere. Yeah, then you can't afford it so you don't go. You spend $1,000 more than you make.

$80,000 are really hurting as bad debt. Need to move. Might have an equity position. Might not. IRS payment coming up. Need to have an elective surgery. Can't pay for that. Definitely don't have an emergency fund because we got to pay for all those things and we literally cannot.

So what the fuck are you talking about? That doesn't make sense. that on that priority list of everything I just named, which was like four or five things. Birthday month is under, under an emergency fund? Yes, when you start laying out. Like an elective surgery?

Yeah. Under, I guess it depends on what it is, but even still probably, under needing a move. Yeah. Under having a pair of taxes, you better fucking betcha. Oh, no, I'm paying my taxes.

I'm not trying to get messed up with the IRS like that. Yeah, we'll, can find out if you do or can. Listen, $281 alone on this. I know it hurts. It hurts every month when it comes out. It hurts every month,

but I'm going to purchase on it still so my balance doesn't go down as quick. What do you mean? That does not line up. That does not line up. That mindset is broken. It was my birthday month. It hurts.

It doesn't my birthday loan, so allow me to destroy my life. What are you talking about? This is borderline maxed out. It is so close. Well, I did call them and I had them drop the amount that I could spend.

We have to do that forever because you have no self-control. If that's what I got to do, that's what I got to do. You know, it was at $20,000 at one point. It's down to like, what, like almost 11 right now? Like, it's, if I got a call every month and have them drop it, I'll call every month and have to drop it. Jeez, dude. Okay. It's a 34.15% interest rate.

Yeah. That's insane. Oh, it's disgusting. That's insane. This is the biggest one. Like, if I could get rid of this, I would feel like a huge weight off my shoulders. that's fucking crazy what is your plan for this card because you just

well I was trying to do like the snowball method when I started like really like looking into debt stuff I was just going to snowball it so like this would be it was a gym get your gym subscription off of a credit card that is accruing 30 almost 5% interest well I tried to cancel my gym membership but it was going to be $500 to get out of the contract

to a different payment account that is not 35% interest that's all I'm saying at a minimum that is your starting point Yes, probably cancel it, but I support Jim. Put Jim in budget. I always put Jim, mental health, and budget. Absolutely. But not out of 35% interest credit card. I mean, okay, yeah, I'll put it on a different credit card then. So what are you even spending in your birthday month? Well, I mean, like, I got, I got myself a hairdrier and like a diffuser.

Okay. Because I haven't, I haven't owned like a hair dryer in like a year. Really? You didn't have a hair dryer. Yeah, no, my hair dryer crapped out like a year ago. And I didn't want to like buy a new one because I wanted a one so like I figured I'd wait up. So we waited until we couldn't afford it, but yet it was still our birthday. So that was my birthday gift to myself. I was going to get a hair dryer with a nice diffuser.

That way my hair looked good. You know, it was only like $200 for what I wanted. So I won't with that one. And this one will last me? That's it? Like 10 years. That was your entire birthday month. That was that.

And then I also like I went to this like resale store for like books and stuff and I got a couple books. I got like a Wii. I got some video games for that. Oh we? Yeah. I wanted to play Mario Kart. Oh yeah.

Sure. People play that on switches. Oh, it was cheaper to buy a wee. It was much cheaper to buy a wee. Sure, but you're not getting new games. No, I was just getting some old games that I liked from like when I was younger.

And then, like, I went to the vape store and I kind of splurged at the vape store a little bit. You splurged at the vape store. What the f***ed at the even mean? So when we get to the surgery date, like, there's no more smoking or anything after that. So, like, I was going to, like, get my couple of, like, vapes and things. Oh, yeah, that really helps get off of an addiction. I was going to ride those out until they. then, and then I was going to be done.

That's not how an addiction works. You don't ramp up to the cutoff. No, I don't. You've got a point. You've got a very big point there. I probably shouldn't have done that. But I did, and, you know, I'm down to just one babe, and when that vape's gone, I'm done. I don't know, like, what one vape equals.

But I guess it doesn't matter to pay all this off if we're just going to die from chemicals in our lungs. I mean, I've got life insurance. So that'll pay for the rest of this. You'd have to be dead. Yeah, it won't be my problem then. That's a horribly immature worldview. Okay.

Amazon, I'm sure that's what you need access to them. No, Amazon got me. Okay, Amazon, we owe $960. The balance went up on this. $965 and $11. My back door knob fell off, and I didn't realize that my Amazon car was still kind of attached to my Amazon account,

So I ordered that. I had to get some new filters. What are these fees? You got fee filters? Filter fees? No, I got filters for like the house. Then what are these fees? $33 minimum payment.

What is this fee possibly? Interest fees, purchases, balance up. It could have been a late payment from where... What are the fees? It could have been a late payment from where my card got messed around. Messed around. What the fuck does that even mean mess around? I had to get a new debit card number.

So I had to set everything up correctly. debit card number wouldn't make That's just a matter My debit card got Someone got into it I had to get a new one It's great Connect your bank account

You didn't need a Debit card number though Oh A link a bank account And I'm like paying it It's like Use this debit card You didn't look to see if there was

Potentially another option Instead of getting a late fee I fixed it since then I don't even know What the what is I fixed it I went through And I made sure it's set up to the right one So it's not going to happen again.

Until it does, though, because you look for no solution. You just accepted it. Oh, I'm going to have a late fee. Yes, it's... I'm going to grow from that. I'm going to make sure I don't have another one. I hope so. I feel like a lot of the people that never grow from things are the ones who say, I'm going to grow from that.

Well, that's the plan. That's the plan. I've experienced it. I've experienced it. I know what happened. I know what I do next time. You didn't until I just told you three seconds ago. I didn't realize I get set up a routing number like that.

But I mean, I put the right card on there. And next time I'm going to make sure the right cards being used each time. What? But you didn't have a card, you said. So how could you have a right card? I make sure the right one's on there. Oh my fuck. That's not an answer. That is not an answer. Well, when you go in and you're in the little portal and you're looking through everything and it's like, use this card. I'm going to make sure I'm picking the right one. If I didn't just tell you that, if your card got messed around with again, you would have just allowed a late payment. Well, I did this once. I got a late payment once. I'm going to go in and I'm going to double check next time. That is not what I am saying. I'm not pushing back against that. I'm pushing back against you would have just. just allowed this happen again if I didn't just tell you the solution, which means your mindset's not in a great place. I have a lot of stress on like my finances right now. But you make it worse, but not problem solving things.

I'm confused. Okay. So what are you doing on here with this Amazon card? And it's Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, of course. My back door knob fell off, so I had to get a back door knob and then I had to get filters for the house. Okay, show me your Amazon account. Let's see. I don't even know what the credit limit on this is, but I wouldn't be surprised if it was like a thousand and you were basically maxed out again.

Also, no, liar, liar, liar! Two fees this year so far! By the way, there's only two months of fucking statements on here. Liar! Liar! Well, then I don't know what the other fee is. For the f*** sake. It happened once.

We're learning her lesson. No, you didn't! You know about it. You didn't even know about another fee. It's a lie. I did not know there was another fee. Oh, my, if I knew there was another fee,

I would have told you that to fix this. Well, if I knew there was another fee, I would have told you that. Why would I, why would I lie about that intentionally? I cannot trust that you will not go down that road. I don't think you can have credit cards.

You are not responsible enough to have credit cards. You can't use other people's money. You cannot have the control of automatic payments. You are not. I mean, I will agree with you. I am not a credit card person. I don't want them. I don't need them.

I'm... We've looked at two credit cards so far you've purchased on both. One of them has a membership on it, like a regular subscription. I wasn't buying anything else on there. Of which we would move away from it? Yes.

Typically? I mean, yes, I will when I leave here. Huh? When you leave here, not before you... Let's talk about a tool that pulls Thanos snap on your bloated software stack. High level. If you're juggling a separate CRM,

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Consolidate your toolkit. And watch their monthly bills shrink. What is this? What is this? Baby Delight. Oh, my best friend is about to have a baby. Congratulations to them. That was her baby shower gift.

I bet you have $80,000 a bad debt and can't afford even your fucking taxes. Sh, taxes. That is still money that could have gone towards that or could have gone towards taxes. You can't pay for taxes. You can't pay for the surgery. You can't pay for any of the things you need to do. Okay, then fuck off. Rolled cones.

We're getting rolled cones and rolled cones and rolled cones. We're getting rolled cones. A lot of those got returned. A lot of those got returned. It was on some weird subscription thing. It got canceled. They got returned. Dude, I don't think the ones I'm seeing have been returned.

I know they've been returned because I, I drove all the way to a whole food stock to return them. It might not have, but I know I drove all the way out of my way to return these. Car fluids of some kind. Ordinary airline solution. Microchrcharger, bike lock, Advil, Sharpies. Lots of yogurt or humidity? What is this?

Humidity absorbers. It gets really humid down in Tennessee, and we have some, like, water at the end of our property. So, like, there's just moisture everywhere. I was trying to get a little bit out of the air. There's the door handle. The thing you brought up, like a, that's what you, that's the only thing you brought up and it was like 50 purchases down. There's some returns for a different type of stuff, but still the cones or whatever you order, there are three boxes of a hundred. I mean, it's not all horrible. It's just, do we have to be purchasing these right now? I don't know.

I don't think so. I don't necessarily think so. I just had to go to Oklahoma. Well, I didn't have to. I just went to Oklahoma for my best friend's baby shower. I wanted to have a gift when I got there. I get it. How much was that? I mean, the traveling down there was about $300. And then like, the gift. The gift was 89 with some taxes, like $95.

So not terrible. It's definitely the cheapest gift she got by far. It's got a thousand dollars more than you make in a monthly basis and you can't pay your IRS that. And then, you know, we went shopping and we got some food and, you know. Okay, here's another. This is synchrony, but just synchrony classic. Okay. on here you owe

$2,000. Oh, then that's the American Eagle one. So that's what I was getting a lot of my clothes on. What are you a 12-year-old tweak? No, that was what I was getting a lot of my clothes on back when I was working on my old job and I was having to buy clothes regularly. I would get jeans and basics like that so that I had just simple things to wear with the work required items.

You had to be on trend. You had to be in fashion. Like, we had this whole. What the fuck you're talking about? They're telling me you've bought clothes out in Oklahoma in mailed them home. Well, yeah. We went to the Goodwill bins.

That's not what you're saying, though. Well, no, not on this one. I didn't put those on this one. This is from when I, like, used to work out my other job and I had to, like, regularly be up-to-date in fashion trends. That's what that is. How long does this take to pay off the $2,000? Just minimum fee payments without any purchases, which you're incapable of that exact thing.

Seven years? Seven years? Ten years. Ten years. You'll be in your mid-30s. At a time, your past work, Victoria's Secret clothes has been paid off. So, you know, and then there's that. And then I went to Oklahoma and I visited my friend for a baby shower.

They are right. I did have to mail clothes home. We went to the Goodwill bins. I went a little crazy at the Goodwill bins. Got like nine pounds worth of clothes. Shipping them home. What? Yeah, it's like a dollar a pound.

I think you have an addiction to just close. I think you are allowing whatever. I've never been to a Goodwill bin. Whatever work requirements were required, which I'm sure there were some. I think you use that as an excuse to do more. more than you actually needed to do. I mean, you went into debt for it. I definitely felt like intensely pressured to constantly spend money on clothes.

Yeah. So like I was constantly spending. By my bosses, by the people I was working with. Like we were party girls. We were always going out. We had to have clothes for going out. That's not for work. Those were my work people.

And we'd still wear that to work. And I'd still have to buy things for work. I had to have my hair done for work. Like it was a whole you, you had a uniform head to toe. I need to make that clear. But I'm saying I also spent money on clothes going out. Yes, but this entire time, you framed it as you had to do it for your job.

The bulk of it was for my job, yes. And then there's the side part of it where, like, I was doing these things. And you can't fully pay it off from your debt, from your income from that job, but you're going into debt in order to be able to do that job. We're not working that job. And I'm out of that job now. Huh? And I'm out of that job now.

Yeah, but no one would be working at Victoria's Secret if that was 100% true. If they had to spend more on their clothing, then they get paid. I probably could have done it in a cheaper way. But I'm feeling all this pressure. You're making it sound like you had to do this. I did. I was getting dress coated regularly. I almost lost my job over my hair one time.

Maybe you should have. Hair is different. You're saying you had to go purchase like a thousand new outfits constantly. Yeah. And I did. We had monthly things that we were like, hey, like this is your monthly check-in. Like these are your new items that you've got to have. On here alone, $47.

$37. I think, f*** no fees this time. 11 years to pay off. So 37 years old. 30.24% interest. When was the last time you, when did you stop purchasing on this card? This card I stopped purchasing on two years ago. You haven't had a single purchase in two years.

Not a single purchase in two years. It was a much higher balance. It was a much higher available balance. And I did call them and I had them close the balance down so that it wouldn't be like a temptation to spend. No, you don't still spend money on clothing. for work? Not as much, no. Not as much.

No, like I still buy clothes from time to time. Is it for work? Yeah, but not like, my work is not making me buy clothes right now by any means, but every so often, like, I want to get a new outfit. No, you're a clothes addict. You sent home pounds. Nine pounds of clothing. Even if it was cheap, it is clearly demonstrating how you do it.

I mean, I like to be on top of the fashion trends. I like to, I like to, I like to buy clothes. Yes. I like to buy clothes. $80,000 a bad debt and you can't do the fucking massive list of things that we've talked about. I'm not going to repeat them again because it's insane. Clothing. Sure.

Fun. Take care of yourself first for for sake. So surgery for you or the husband? Husband. Okay. And you're prioritizing you having better fashion than their surgery? No, because. Great.

That is what you're actually doing in your behavior, whether you're consciously just saying that or not. It wasn't all close for me. Out of that nine pounds. Wasn't being fully selfish. I did buy a lot of things from myself. Within that fashion, because I know lots of people do that. I do like to collect clothes.

I like to collect jewelry and things like that. I mean, I work in the jewelry industry, so, like, I have a pretty extensive jewelry collection. What's it worth today if you sold it? Probably about, like, $30,000 in jewelry. No way. Yeah, we're selling that shit.

No, a lot of it was gifted to me. So a lot of it is their money. on. I don't care. Also, some of it, like, you can't just, like, resell body jewelry. That's gross. It has biomatter on it. Oh, body jewelry? Oh, I don't know. You can't just, like, sell that. Whatever we can sell, we're selling, though. I mean, that's going to be a part of a debt payoff journey. It is. I mean, I've got some necklaces and bracelets and things that I can get rid of. Whatever we can sell, we're selling. Okay. $30,000. Yes, a lot of it was gifted. A lot of it was gifted. How much? So, I would say probably, like, 20,000 of that was in gifts. Okay. So, like, my, my,

My grandma has a lot of like heirloom items she's given me. There's things like that. I don't necessarily say sell. So like that's part of my collection. You know, things like that. Like it's not all like, I'm not swiping the card for all my jewelry, but I do have a pretty extensive jewelry collection. Okay. Navy Federal.

Yeah. There's the military thing. You owe on this $5,67. $0.82. Eighty-seven hours of interest accrued. Minimony monthly payment was made. Minimum of the payment is one. 43 and 57 cents.

What's up with this? Well, that is husband's card. That's not my card. So you guys are both. We both have debt. Do you sit down and talk about money? Yes, once every two weeks. The day before pay day, we do a budget.

And you both sit down and say, how do we destroy our lives? So we've sat down and budgeted. We've gone through. We, like, listed out everything in, like, order of, like, most expensive to least expensive. Like, we've gone through and tried to, like, figure out the snowball method. I just can't. But that is the easiest thing to figure out.

We can figure that out in five seconds. It's actually executing. So I listed it. Yeah, but no, no, no. But that's what you guys are, is you guys make the list, but you never follow it. Why don't you guys follow? Why don't you guys hold each other accountable together? We're working on following it.

So we're working on that accountability aspect. No, no, no, look at what you are. So like we're doing... You spend $1,000 worth and you made. You're not working. That is incorrect. You're not going to sway this conversation like that. We're doing these regular check-ins.

They might not be working, but we're trying to do them. If something's not working, do we continue doing it over over again? No, but that's why we've kept changing the method. Like, so we keep switching up. kind of what we're doing. So like right now we're doing a more weekly check-in instead of a bi-weekly because we notice that we're not ending on track with the budget. Tell me how they go. So we sit down and while we're eating dinner, we pull up all the things that we have to pay and we pull up our bank statement and we go line by line and look at it and we try to figure out where did we f*** up

and where do we need to fix it in the future and then we start holding that accountability. So like, hey, like, I'm going to spend money and I'm going to go out to eat because I'm in Austin, Texas right now. So like we're doing it, we're telling each other what we're spending as we're spending it. And I think that's holding a little more accountability than before. Not on what we're spending. No, no, no. Why are we just, we're just telling each other where we're spending money. We're not sitting down and establishing where money should go for the household.

Well, we're talking about when we're spending the so that we know when we don't need to spend the money. You need to reset. That is not how we do it. How, though? Use again the fucking budgeting app and you set you assign. Where? What? The budgeting app doesn't let my bank account in there.

This one, once we do our switch, Mike. Okay. But either way, even if it's on a spreadsheet, which is obviously much more manual because that's automatic connections. But even still, actually, you could do the manual things on this version as well if you really want it to.

So you can still do a digital version without the automatic connections. Obviously, the automatic connections is more fucking, here's the founder's edition of notebook, by the way. Sorry, I forgot to give you. So you will journal that and you will bring it back for your follow up and I'll read it. But either way,

you assign where you're my. money goes. That is it. You and him assign where the household money goes and that's where spending can go. And then you address it in the monthly sit down and then adjust the budget. You don't come back later and say, hey, I spent this on this. That you're not going to get anywhere with that. And that ends up to spending a thousand dollars more than we may get in a monthly basis. Well, that's what we're doing the weekly check-in. So, like, we're checking on the week, making sure all the budgets are coming. I don't think you understand what I'm saying. It's so stupid. What was spent on this card? This borderline maxed out as well. That one was some bills and things like that. Back when ever, a husband had like lost a job, broken his foot,

couldn't work for a substantial period of time. So that was putting some bills on there. That was going out to eat a couple of times. That was some things like that. That was from like three years ago though when the bidding happens where it was like So close to max out then. Fees and things. Fees.

Fees is from late payments. Well, we've missed some payments on that one. Why? That was like last year we missed some payments on it. Why? We were having some issues where people were getting into our cards, like very regularly. They were getting into our debit cards.

We were constantly having to switch those over to new cards. What was happening? How are people getting into your fucking accounts? Well, we would, you know, go out to E and then someone would get our card number. Constantly? Constantly. The Zaxby's right next to my workplace has my card information like four people. It's happened multiple times after going to Zaxbys of all places.

Well, it's because you went to fucking Zaxpies. They're right next to my work. I don't have to do it. drive anywhere. So is anything else on this card? I mean, there were no purchases, but are there subscriptions or anything? No, not on that one. 18% interest, right?

It's better than the other ones, at least. Yeah, sure. It doesn't really matter, though. Okay, Capital One's saver card. That is husbands as well. Do you ever look over them? Yes. We look over each other's.

That's a newer thing we're doing. But you don't assign where spending can go. Well, we're working on reeling that in and figuring that out. That's what the weekly check-ins are for is for like, hey, like, we have assigned ourselves this fun money for, like, going out to eat. You guys think you can have fun money. I mean, we're trying to use that as, like, when we don't take lunch to work. We use the fun money. Why don't you take lunch to work?

There's some days where we just don't have time to cook. And we're in two jobs. We do. We meal prep regularly every, like, Sunday night. There should be no issue then. That boy eats. The boy eats. Put him on a diet.

I don't know what are you talking about? It's bulking season. So the boy is eating. So like a pint of ice cream a day. It's insane. Then meal prep the fuck. We meal prep, but like we just don't always get to get back to the Sunday routine. Sometimes there's like extra homework and things that just throws off our week.

And then yeah, actively in school. He's going for a PhD. Oh, fuck. I thought he wasn't in at. No, actively in school. Plus like I don't cook. So that's... The fuck that?

Use the cookbook that comes with a budget nap. It's so. easy. I just literally don't know how to cook. Follow the instructions. I don't think, like, I burn water. Dude, you're fucking, then, and can't be allowed to operate a car if you can't boil water. Like, I don't know what to tell you.

If you can't figure out how to fucking use a stove, I don't want you around a multi-toned vehicle. I mean, I can cook, like, your most simple, basic things, but, like, I can't cook a whole meal. Like, I come out of here with, like, a balanced diet if I'm cooking for myself, I'm making every other night. Excuse, excuse, excuse. You're never going to do anything in your life.

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water.

The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for this day. The $90 and $10 of purchases on here with $23 and $0.14 of interest.

You're okay with it? It's your security system in Spotify. That makes sense. But why is it on a card that is accruing interest that we are not paying off? Because I can't confidently move these things to my debit card because I still have to pay my credit card payments. And at the end of every budget, I still come out at zero.

You can't afford these things. Can't afford the 7.15 going out to eat if you're not confident enough to put your subscriptions that you need in your checking account. You can't afford going out to eat then. This is pretty basic. This is from my birthday. This is for my birthday. Yeah, ADT.

That's for my birthday guy. Well, the ADT is not my birthday. But the going out to eat, that was like from my birthday. Like, I went out with a couple different groups of people from my birthday. The rest of my year, I will never understand. I can't, I can't, I can't, I can't get there. I can't get there. I'll never understand.

I mean, I had grips of friends. They wanted to do things. Oh my. Oh, my. Man. You know, like, it's not something I'm, like, planning on doing every single month. 29.7% interest rate.

Quicksilver. So that actually used to be a Walmart card. There's so much to go through. Okay. $1,882. So that was a Walmart card. That wasn't always a Quicksilver. They just recently switched that over.

And there's, and there's, Fees. There are fees. I told you they got into my card. I had to switch everything around. I messed up a couple of them. I'm taking the L on that one. That was for groceries. There was some times where we just couldn't afford groceries. $47 of interest, $39 of fees, $49.15 of purchases.

I don't even know. Also another 11 years to pay off. No is for the vet. Yes. So we have five pets. We have pet insurance on all of them. Where are they? So I have four cats and a dog. Okay. And then the pet insurance, one of them comes out of there.

One of them comes out of another one. And we're slowly switching them over to our debit card. So I think I have like two of them on my debit card right now. And then yes, it's a past due fee. Yeah, it's a past due fee. I messed up. I've got the cards in right order now. We should be good.

But I don't believe that you'll be good. Look at it. You paid off that three times. Look where you are. All your excuse is birthday month. This time I'm working on it though. Like this time I'm working for it. That requires so much trust that I do not have based on your life experiences,

based on what you have done, based on what you've brought here in the actions in the most recent month. How the fuck can I just walk away and be like, okay, you're right. You're just working on it. That doesn't make sense. That is not how this is going to work. You know, I splurged one month. I'm not going to splurge every month. You can't take a statement without having to have to have.

a, but. Well, I want to give you the explanation for it. Your explanation's stupid. 28.99% interest rate. Regular capital one. So that one's mine. That was my second credit card ever. $785,084 cents with your household income.

Should be able to just get taken care of like that. Minimuthty payment was made, $18. What? I would love to do it like that. Do it. Okay. You purchase that much going out to eat almost. you could have.

Well, maybe next month I will. I'm trying not to hit you with the butts that you were asking me to stop using. $26 a month is your minimum of the payment with $18.51 cents of interest. What's up with this card? Well, with this card, I'm paying more than the minimum. I'm paying $50 a month on it, trying to get it down a little quicker so that I can just pay it in a lump sum here soon. With this one, it was my second ever credit card. It was originally for school books and things like that.

I was using it to pay off with the reimbursement checks. And then it slowly became closed shopping. Surprise, surprise. I know. It's not work. You can't blame it on that. It wasn't your password. It's not your current work.

Takedo! Takedo! It's a membership right here, too! Whose YouTube membership are you possibly subscribing to? I'm actually a Hammer Elite member. Oh, okay. The one where you get to see brand new content every single day. Access to two exclusive financial audits every single month.

And access to our official brand new call-in show. Hammer it out. Weekly live streams. You ready? I'm so scared. It's so scared. And extra behind the scenes content. Are you really doing an ad read?

Well, Hamer Ali is the number one YouTube membership community with over thousands of hours of content. It's literally all I watch when I get home from work. Make sure to join Hammer Elite now for the biggest membership content library on YouTube. See you inside. It's not my current work. My past work did get me in a really bad headspace with buying clothes and I'm recovering from that. I have a lot of addiction tendencies. I don't think it was the work.

I think it was the people around you. Probably. I have a lot of addiction tendencies. Shopping is not my only one. You know, I also like to smoke and things like that. You what? I also like to smoke. I vape. You know, like it's not the only addiction I have in my life.

So, you know, with some therapy, we're overcoming some addictions. Maybe. But also, no, because that hasn't changed. You just did the goodwill founts. And you're vaping now. Well, that was on a vacation situation. Oh my gosh. There's no, oh.

I can't even, I don't know how to describe. You just like, you just say incorrect information and then you're just like, but and then it's okay. It's okay. I'm going to have a little excuse that excuses all of it. I feel like if I can justify it, then it's going to be okay. So I look for a justification. So you can do anything on vacation? I mean, I can't just do anything. Then why does that make it okay?

Well, if I can justify it, then it is okay. You're only justifying it because you're on vacation. Yeah, like, I'm not going to, there's no good will been at home. It's not like I can do this every other day. Like, it was an experience. It was something that I've never done before, never seen before. Can't have Oklahoma fucking heroin every day. Exactly.

You know, like, I... So that would be okay. I'm not heroin. Heroin's god-awful for you. I've seen some effects of some pretty heavy drug use. Like, that's not something I'm trying to go down. I'm trying to handle these, like, tiny addictions now, so I don't end up down that road. You're 80,000 hours in bad debt, and you can't make the payment of the four major things we talked about.

Your addictions have led you down that road, and you're not actually changing them. You're not. of the people that's like in therapy and you think because you're in therapy you're changing but you're not putting in the actual action that's required to change. I only recently started therapy. So, and that's what's even gotten me on the kick to like trying things.

Reasonable conversation. 26.7. 74% interest rate. Okay. Firestone. Classic. So we had some car issues come up. Oh? Yeah. Well, you know, there's some traveling for military schools, you know, going to Missouri and things like that. And one of the guys in the unit got

stuck in a ditch and my husband decided to try to help him out of the ditch, tore up the back axle on the old car, completely... You're past doing this one as well. Shredded it up. Fuck of me. It's three now. Three. I told you I had that little hiccup with all right then. I've heard. But then, of course, we went on that other credit card, and it was a couple months in a row. So not just a little hiccup.

I mean, I can't justify it anymore. You don't want to hear the justification. So. No shit. So $32 a month normally. I want a real answer. I want acceptance. It's not about having to justify. $7.68.57.

So you balance on here. So again, fees, interest. What is up with this card? This card is getting paid down actively. We're not spending on it. We don't have any major car repairs coming up. We're doing regular maintenance on our cars to avoid this card ever being used again. It's getting paid down.

By the way, payment, zero dollars. Okay, why? So it was the friend. What was the purchase? How much was it and when? We maxed it out. They went to- They couldn't purchase? So it messed up our car, not their car.

So we had to repair our car. There was no insurance to assist with it because it was like a voluntary trying to help somebody else out of a situation instead of waiting on like a tow truck out in the middle of nowhere. So with that and mixed up our car, we had to pay for that on our own.

opened up the Firestone card because we didn't have an emergency fund. We didn't have any savings at the time. Put it on there. 28.8 percentages, right? When was it? This was like two years ago. Okay, come on. I mean, this wasn't too terribly long ago,

but it was like almost two grand worth of car work. Emergency fund instead of fun. That'd be nice. For things like this, that'd be nice. You would have had it. If you prioritized it, you didn't. You didn't put in the action. You think things just happened.

you think they just come okay Nissan Nissan Rogue Sport yeah so that is our new car You have a new car Not by choice Not by choice not by choice

What do you mean not by choice? It was just like to get the price you did I wouldn't even say that So Price of the car I would You probably went to what two dealerships max No I went to four Four

Four dealerships I was like four in town So with that So with that about October husband works at a bar is coming home around 5, 6 a.m. from the bar

gets into a hit and run accident totals our vehicle. Do you have insurance? Did you have gap insurance? What did we have? We did not have gap insurance. Our insurance denied our claim, so there was more money coming out of it. I've gotten in touch with an insurance lawyer, and I have still yet to get a solid answer on any of that. Our insurance should have covered it. They are not.

They're denying all of our claims. I've been actively trying to fight with it. They say? They say that our insurance doesn't cover the fact that it was a hit and run and we got no plates or anything on the person. There's no cameras or anything there. People just rolled up to the scene to a flipped vehicle. So there was nothing there to help us with our case. Well, it's around 15,000 hours it's worth.

So originally the car was 12,000 when we bought it. Well, no, we ended up just taking the savings that we did have and paying off my car, which there was only about 3,500 owed on my car. so that we could take out another car loan. So I got this car under the assumption that it was like $12,000, and then I got a bill for $22,000. What the fuck you're talking about? I'd also like to know because I've gone down to the dealership. I've called the bank.

I've even gotten in touch with a lawyer because there's paperwork with my name on it with incorrect numbers on it. Well, there you go. Then getting touch with the lawyer, but I'm also having a hard time believing you know what's actually happening. I've gone down there. The original paperwork that I'm sent home with even says $12,000.

and everything that the bank has says 22,000 on it. Did you bring that paperwork? I even took it to the lawyer. No, did you bring it here? Did I bring it here? No, I did not bring it here. Why? Well, I was traveling to see friends and things like that.

That was the last thing on my mind. Okay. So how much did you put down on the car? We put $1,500 down on the car. Okay, so you guys had an extra $1,500. That pretty much wiped everything from our bank account. I'm being told you had to ask friends and family for help to put down money. Yes.

So we paid off my car. So if I didn't know that because I have people in my corner here, you would have just lied and allowed that to just coast. Was it a lie? Because you didn't ask. I asked how much did you put down? And I told you. I put down 15.

And I said, so you had $15,000. And it, I mean, it wiped our bank account after I dropped it in. You were given money. We did a go fund me. See, that it's different. I see this is why I cannot trust you. I can't trust you with that price tag of the car and the contract and stuff. Look how you, look, if I don't ask a very specific, it's like, it's like if he ever wants to know if you've cheated on him, he has to like ask if you've cheated in a certain sexual position with a very specific individual person for you to say yes.

No. That would be the only way for you to admit something. You have to have, like it has to be the absolute. Well, I'm trying to answer your questions. I'm trying not to justify things because you don't want justifications. You don't want the butts. That's not justification. I'm saying you had money from other people that.

What are you talking about? I was giving you the answers. You just said yes, but that was wrong. It was from other people. Well, thousand of it was mine. $500 was crowd sourced. And then the $3,500 that I paid on my car was for me. Okay.

Gosh, it's so hard to trust anything you say. What is the interest rate on this? Like 8%. 8.3. It's not good. It's not keeping up with the market. No. Then you have a depreciating asset,

one that you're already like $7,000 in negative equity. regular payment 351, 663. These are stacking up. These payments are stacking up. CarMax, is this for a different one? So that's for the Jeep. That's for the total.

Because we didn't have gap insurance, so I still owe on that one. So it wasn't rolled over, okay. No. It's two individuals. Okay, minimum fee payment for, sorry, minimumity payment 34439

with a balance of 8,400,000. $423.22. Okay. And just $9%. So it's even worse. Neither one of us necessarily wanted to spend the money on this car the way we did.

We were going to look into refinancing it the year that we totaled it. Well, now you have to pay something $8,423, or something that has nothing. And we tried to see if we could take that car and sell it for parts or anything like that and it would actually be more expensive to even just get it out of the lot.

It is completely totaled. Scraps? I mean, we tried. It's more expensive. expensive to get it out of the lot to sell it for scraps, then what we would make on scraps? It's in a junkyard in town. Yeah. So we tried to because we were going to take that and just put some of that extra towards it,

but it costs more to even do that. Okay, well, this one I feel bad about. I don't know about the insurance thing. I think, obviously, I would recommend looking into that more. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're fit for your ambition for citizens back this is the first one that I feel like sympathy over because the rest have been you this I mean this was a stupid debt

probably but the car no longer being here that was less your fault okay student loans instead of adding all these stuff individually I did see it was like 13,000 yeah 13,000 six so what's up with the payment status of these so I was on the plan. That's no longer a thing. So they sent me an email saying that I had four months of back payment and they were going to start garnishing my wages if I didn't just pay it. So I went through and I paid the four months of back payment. I tried to cool. How much was that? It was about $500. So it's about $130 a month here going forward. So $130. Okay. And they're probably all relatively meh interest rates like four or five percent. Yeah, they're not super duper high. I think they're like a

three point five. We can probably minimum payments until those are paid off. Is there seriously still more? My fuck. This is insane. Okay, so you got $13,000 in student loans. That's actually not horrible. It's certainly below the median. Did you graduate?

So I have an associates in arts. I have an associates in business management and a bachelor's in accounting. Oh, okay. A bachelor in accounting. We can't figure out how to budget. Okay. So accounting was not my field. It was not my thing.

I strictly glided past my C's get degrees. So glided past my classes. It was not a few. field I was going to work in. I admitted that to myself. I admitted that to my husband. Yeah, I mean, you manage the head to you stuff for just 20 bucks an hour, essentially. It is not the field for me. Okay. If you ever want to change things, obviously I can gift you as course career certification of your choice that helps boost a resume, change careers. A lot of people in the audience have

used it. Okay. Four months of back pay. That's brutal. I was not aware of that. And I got to look more into that. If all the people that have been in our show that had saved, do they have all these back pays all of a sudden. They just sent me the email last month when I was sending you all of this even. And I never even got the notifications that I was past due. What are you trying to do for a career path? Because you're not making as much as you definitely could be.

So that is something I'm trying to like actively figure out right now. I genuinely really don't. You don't have a desire for anything? I'm leaning really into the graphic design field. It's kind of a combination of what I've been doing now in my current job. And so I'd like to look into getting more into that. I'm just not prioritizing my schooling or going back to school since husband is actively in school. But with the idea of having to move soon, that is becoming a little more terrifying because there's no guarantee I can just find another tattoo shop to work out.

Oh, this is the mortgage. Okay. So what's owed on the mortgage? $260,000, $446.30. Okay. I don't want the internet to see. And Zillow is not Uber-acker, but it's going to give. us at least something to work with.

And we have added a fence to our house, so that did increase some property value. Yeah. We'll see. I mean, I don't know. It's not a ton, but it did a little something. I'm going to have you looking up on my phone while this comes back. All right, type in your address. Mortgage payment is $1,619.95.

cents. So it thinks it thinks it's better than you said. Now it is quite generous typically but it suggests that you have an equity position about 68,000 so I think listen even if you do have to sell for a little lower than this I think you will walk away with money. Okay. I think you'll probably walk away with 20 to 30 in cash. All goes well because a lot of people are having to drop prices these days. Don't just don't try to over, over ask. That's what a lot of sellers are fucking themselves with. And then they're on the market forever.

Then people are like, why is it on the market forever? Psychologically, things get involved. And then people are like, I'm not going to bid on this house. It's been on the market forever. Yeah? That's fair. Yeah. Okay.

Is that all the debt? Yes. That is one, two, three, four, five, six, seven, eight, nine, ten, eleven, twelve debts. 12 debts, student loans being something that could increase our value, you're not really utilizing that. And the house is obviously something that has helped. And we probably made the right decision going into the housing position that you did. So one good debt, essentially. One good debt.

In this checking account, $182, ATM would draw $140, who knows where that went, went to a restaurant, Apple Bill, Target, Ben went out 15, Prime Video, Bojangles. Mm-hmm. Coffee, got some BS, Prime Video, Mercos Pizza, Black Mountain, Snapchat, the fuck is paying for Snapchat? Who is paying for Snapchat? You guys. It was a cheap one.

It was like restoring a fucking streak. Oh, Jesus, that was my husband. What a man. I know. I'm just throwing a snap. Oh, it continues so much. Look at this. It's all bull.

Yeah, that's why the spending's crazy at the beginning. We didn't see it until now. ATM fee, ATM withdraw, 123. Apathica. That's a vapea shop. Oh, fucking just wonderful. Just absolutely fantastic. Cinema, cinema.

Restaurant. Hulu. Amazon, Amazon. Pike Place, I think. Teswell? Oh, that's parking. We have to pay to park, so we didn't get a parking pass this year. Yeah, we didn't get a parking pass this year.

It's expensive. Shake Overeux. Delicious. Yamato, Bloom Shop, Blom Shop, Nails Spa, Bird App, Bird App, Westtoe, McDonald's, Sinneberg, Barnes & Noble,

Drake's, Thrift Books, Riegel. The parking and And the other stuff is going to start coming off. That 140 was for an electric scooter so we can park in the free parking, which is about 30, 45-minute walk away. And we now have a scooter that we own that we don't have to pay any extra for to get there for free parking. Smoke Shop, Thrift, books, more books. Just listen.

Live bears for now. The Thrift Books were for textbooks. The Thrift Books was textbooks. Okay. That was textbooks. Barnes & Noble, that was me having come from my birthday. Was that for textbooks? Oh, I can do so much. Amazon, ATM, a truck, $300.

Amazon Retta Tommy Tense Scruffy City Taswell Pike Place Amazon Zaxpies Retta going in getting some BS Venmo out

Watson's e-commerce Smoke Shop Alta crispy cream Chick-fil-A Victoria's Secret Come on Come on That's when I took myself out

From my birthday Fuck your birthday I don't give a fuck It was 26 It doesn't even matter It's nothing But this is like The first year I had like a group of friends

Shut the fuck up I don't care. It doesn't matter. Celebrate that when you're out of fucking debt. When you can do the things you want to do, including pay the fucking IRS, then you can have a birthday month. I would allow a birthday. Cash app out.

Tommy's tent. It does not stop. Preservation, preservation. McDonald's, like a bell. Bernaddles. Preservation. Burdantles. Preservation.

Netflix, Turn Club, Amazon. Oliver Hotel. Cash app. Awesome, commerce. Going to get it to BS. Victoria's Secret again, Blom Shop, McKay's books. Your fucking, Tommy's Trends, Tommy's Trans, Alta, REE, something,

Pike Place, Kendall. Stop it, stop it, stop it, libraries. They're not all textbooks, they can't be. Venmo. Okay, other checking account, $172. BS, Sonic Driving, Vaping, vaping, The amount you guys spent on vaping is insane.

Absolutely fucking insane. Subscription, Arbiz. Use books. Yeah, and then I'm maintenance because you didn't have enough money in there because you got it all on vaping and books. You just vape and read. Vap and read while getting your stupid bull. Can you sell your books? Use books?

Yes, I actually cancel. What do you have? Like worth your collection. Probably between the two of us like $6,000. Sell them. Okay. You can get them back again. I can know.

I can sell us. Honey pot. Like, get out of that. $27 in this account. You went in and got some bull. Oh! Old Europe. Smoke shop.

Chick-fil-A. U-A! Waggles! Wiggles! Tick-Tock shop. Tick-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-Ree. That was actually a really good deal on a cat. Congratulations.

Your cat can fucking climb up a couch. I don't get my couch. Chick-fil-A. Use books. Chick-fil-A. Oh, sorry. I already did that one. Okay.

Chick-Fole. something pop up Use books $101 You don't you do not read that quick I read 200 books a year on average That's great I started picking up reading this year too And I'm calling through books

But you are not reading them that fast Listen I've seen like what $300 of books purchases It's not just me My husband is also a fast reader My husband also has to read a lot for school These are not for school though Not all of them

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Tickets on sale now at Yamavat Theater.com. Only at Yamava Resort and Casino, celebrating its 40th anniversary. You in? Must be 21 to enter. $5 in this account? What is this? Oh, savings. We don't use that as a savings account. That's just the automatic one they give us. What is that $13,000?

That is our savings account that has the money for the surgery. Oh. And the extra money that I wanted to have for post-surgery recovery in case anything comes up. This is a change. Yeah. This is a positive change. At the amount of death. 23 cents.

Okay. So $13,014.23. What did a start out? It went up. I'm trying. I'm surprised. I'm trying to save money. $200 in retirement.

Okay. That's not great. Obviously the disability, that's going to last forever. So you think, I'd say $8,500 hits your account. Hopefully when the hours go up, that's better. Debt payments, not including mortgage. We just got the hour increased this week, actually, so that will be going up. $161.

No, no, no, no, no, no, no, no, no, no. Debt payments, $1,614.59. Not including mortgage. Mortgage, $1,619. And $95. That did increase $50 because of taxes. Okay. It's got to happen forever.

Okay. Utilities? Utilities. It's 25 for water. It's $1.18 for internet. That's expensive. About $200 for KUB, which is lights and electric. Those are the big ones.

Okay, $3.43. Gas, Vroom, Vib, Drive, both. For both of us, it's about $80 a month. Phone bill? Phone bill is about $150. a month. Car insurances? That is $1,300 every six months, and that'll be coming out in another month.

We got to save for us. Every six? Every six. So, 217 is what we budget to save them for it. $600 for food should be fine. T.B. Fun, anything else need to survive? We'll do $150. Should be good.

Medical health expenses, monthly basis. About $300. Really? Post tax? Post everything. Okay, post everything. Post everything. I am not covered on the VA's insurance.

Pet insurance? Pet insurance. It's 35 per pet, and I have five pets, so about 180. 175. Okay, pet food? That's about $200 for absolutely everything the pets need every month. Including pet insurance? No, that is like litter, food for both of them.

That's 90 for both of us every month. 90 together? Yes. Okay. Anything else that needs to be in your budget that I have not put in your budget? Oh, we have trash every six months. That's 200. I'm sorry.

Oh, that's fine. You have an extra... Come on. Listen, I'll give you $300 for fun. And you still have an extra... This is called $2,500. The rest can be budgeted for fun. And come on.

This is $5,539 to survive on a monthly basis. It's so stupid. There's no reason to be in this debt. Not at all. And that pisses me off more than the people. people that are, you know, struggling, you're not even struggling. This is all choice. This is all choice. Okay, 71,092 and 94 cents of bad debt. By to buy 2,500. Can't take 28 months, just two years. Caught another six months after that to get a fully front of emergency fund. It's fine.

Listen, I know we have to include that extra 8,000 for the surgery, but you already can cash flow with that 13 and savings, and you already have what is necessary for that longevity. So we don't even have the budget in that. But a budget in the move, obviously. But you're going to get the sale of the home, but that's probably after move. So you're probably going to subsidize,

or you're probably going to essentially, budget in here, probably not paying off debt for a couple months to pay for the move, and then take the lump sum from the selling to the house and throw it towards that. Only if, I don't want to repeat it for the fourth time now, you actually change your behavior. This is so stupid.

This is all behavioral. There is nothing else here. This is all behavioral. You can pay off debt. You shouldn't even be in debt. This is so silly. I'm going to call the husband in the post show. Because this is ridiculous.

This is ridiculous. I need to talk to him. This is crazy. What is silly? There's no... It's this upsetting. You have so much money left over. This is all personal choice.

Birthday months. That's what's more important. Spending a budget. You ever spent zero out of ten. Debt? You have to... Well, nothing in collections. Oh, the iron.

ass things coming up. You can budget that in the, let's say three years being conservative. It takes to pay off all this. His income is going to go down a little too, so let's call it three years. You can still do it. Budgeting these different things. Okay, debt, pretty still bad for the income. $70,000. Yeah. One out of ten, emergency fund. Technically you have it, but it is going towards something else coming up soon, but I will give you two out of ten just for the savings of it in general. Retirement fund. Retirement nothing. One out of ten. Real estate. Real estate's actually pretty good. What's the interested in that? Three percent. Yeah, I'm happy with this house. Eight out of ten. Should be good. There is still dead though, which is always, no matter what, a risk, even if it's a low

risk. Hammer Financial Score, rounded up 2.5 out of ten. We're going to call the husband. We're going to see what kind of things come out of that conversation, but he needs to be confronted about the situation. We need to get his perspective on this. So make sure you join Hammer Hammer Elite below. And you can take all of our programs bundled together for 15% off also below and make sure you download the simpler budget app. I'll see in the post show. To be clear, with all this conversation that we've talked about, you are the one that

deals with the household finances and he's not involved at all. And now he's starting to get involved a little. Is it because he can't trust you? He's never had to like really manage any finance exactly why he's getting involved. Because of where we've ended up. Let's call him. Let's call him. Mr. Husband, hello.

To watch the financial audit post show, click the join button below. You can't reason with the sun. Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnishade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on alolotion.

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