Financial Audit - The Dumbest Couple I’ve Ever Met | Financial Audit

Episode Date: September 16, 2024

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Let's our entire financial future and my future wife's financial future. Do you know what you're spending it on? I know. I'll tell you. VR. Why are you spending money on? It's different. It's like POV, extreme. Why virtual reality when reality reality is right next to you?

Good question. I ask him the same thing. Do you have an addiction we need to talk about? Hi, my name is Connor. I'm 22 years old. Hi, my name is Brooke. I'm 23 years old. We're based out of Edmond, Oklahoma. And this is Financial Audit. Welcome down, guys. Thanks for coming on. Okay, so we'll start with you, Connor.

What do you do for a living? I work in a restaurant, mainly back of house, but I... Cook? A dishwasher. What are you making dishwasher? 14. 14. We had someone who's a dishwasher on just a couple days ago making 19.

Yeah. Are you kidding? Okay, so 14 hours an hour. How many hours a week? 25 to 30. That's your new schedule. New schedule. What about you working?

No hours. Explain Oh, okay All right, yeah, let's Sure So originally when I got put on I was dishwasher And they had me train three days

threw me in one full week of working Three days of training to wash dishes Yeah, it's weird And then once After that first full week They did a remodel So they were shut down for three weeks after okay so in that time I was door dashing because I didn't want to like no

money I got rent to pay I got no pay I can't make no money so I'm door dashing well I go back yeah I go back to normal hours and they come up to me and they're like hey so we have a bar now do you want me a bartender I'm like yeah we bartender and back of house they're like yeah we can do that like okay cool so they they're starting to train me in the front of house right now But why no hours? Basically, he has a certain amount of hours in the front of house and then a certain amount of hours in the back of house.

He makes a full 40 hours. Oh, so what are you making in the front then? What are you making in the front? In the front right now, I'm making about 7.25 an hour. Tips? Yes, all of this is plus two. Even when he's dishwasher is plus tip. What do you bring in on a weekly average?

About 556. Not plus tips. Plus steps. What, is that a week? Bye weekly. I'm surviving off of a thousand dollars. Okay, that doesn't... First of all, that doesn't even line up with your hours and pay.

$5.50, $550. Roughly, yeah. No, I think you're closer to six or seven. How do you not know... Six or seven? Yeah, you're supposed to be the easy question. Oh, right. Oh, if that's the case, I don't know.

What? How long have you guys been together? Two years? Two years. Okay. Are you guys even surviving? At the moment? Barely. We're in... Yeah, no, $5.50 every other way.

And then what is your job? I work in a deli at a local grocery store. Okay. I make $13 an hour. How many hours? 35 to 40. Okay. What are you making biweekly? Net. With a full check, about $750, $800 paycheck.

Oh, a paycheck thing. Okay. Okay. Let me consult your actual statements because my last check was 666 because I'm like was sick a couple days. Yeah, my last check was late. Connor payroll, 364, that's all that came in. But, but, but tip, how would we calculate tip? Do you deposit the cash? It's not cash chip.

It's on the check. So was that because, oh, Connor cash deposit as well, 769. Does that count? They give him a physical check. Jinks. Okay. And then you brought in 291 from DoorDash. We're not going to count that though because that's what normally you don't do that as much, right?

Or ever? Do you do? It's rare now. But like when he wasn't working for those three weeks, it was like every day he'd go in DoorDash. I'm going to say you make 1,500 bucks a month. I mean, it should be that. Should be net, right? Should be.

Should be. Okay. And then you. I saw 2,000 come in. Wait, but you said he's making more. He makes more per hour. He makes 14 an hour. But net he makes less.

But net, I guess he makes less. Well, we don't understand how that. I don't understand how that works. If you make per hour more than you. You guys don't even know. So you don't budget, do you? No, not really. Because you don't even know, like, what the first start of a budget?

Like, you would have a number. Well, we did try rocket money. You've been downloaded Rocking Mighty for a little while. How's that gone? Terrible. Okay. Obviously, just like every guest who comes on the show, go through the budgeting class, guys. Go through it together.

Please. It'll teach you how to start, manage, and go through a budget, take all the quizzes, go through the whole thing. It's worth it. I will say before this job that I'm working now, me and her were both working at the same place. Right? Kinky, all right. We were both working at the grocery store that I work at. We were both in the deli.

It's a chain specific to Oklahoma. It's like a H.E.B. of Oklahoma. All right. All right, guys. So obviously we have just no idea what's going on with it. Just even our money coming in. So I may ask you, what the fuck is going on? We try to save money.

And every time we do, she pulls it out and always has an excuse. So, okay. Are we trying to save money? So how much is saved up and then how much is pulled out? We will probably put in 50 to 100 from each check and then I don't know. Why? What's the excuse? The dogs need more treats.

They have torn up their toys so they need new toys. Our dogs have a vendetta. against any and every time. Give him a stick. He doesn't want wood shavings all over the apartment. That's not unfair. Okay. Well, I just don't, I think, I get the, they do need, first of all, if you can't afford pets,

I'm starting to have pets. Like, let's be clear. For anyone looking out there to get pets, it's a very, it is a responsibility. And they need the stimulation of toys. The treat thing, that for a second, okay? You know, give them a piece of kibble, okay, for as a reward. Yeah. Like, you can do that.

That's okay. Yeah. obviously treats show, but that's a splurge. They do need toys for stimulation and things. But if you can't afford it, you shouldn't have pets. If you're taking away from savings, you spend a little effort putting savings together. And does he even know? Like, when you're doing this, you just take it out?

Or is this like against? He gets an alert on his phone whenever I pull it. Yeah. It sends an alert to both of our phones. And then what happens? Are there conversations around it or what happens in that situation? I ask her about it. I'm like, hey, what was this for?

And she tells me, like, Oh, it was for DoorDash or it was for Boba or it was for, hey, our dog needed. Okay, those two first things are in what you said was wrong then. Yeah. It starts off as I'm getting stuff for the dogs and then it's like, ooh. Somehow you find yourself in Boba? Yeah. There's a Boba Shop.

What are we going? Are you got? There's a Boba Shop. How long have you guys been married? We're not technically married yet. We're engaged. Oh, when did you guys get engaged? January?

January. Okay, and when are you guys getting married? 2026. Of July. But you guys are savings? That's long. You guys are saving together? It's long so we can save up for the wedding.

Yeah. How are you paying for the wedding? Well, the venue we looked at, they have like a payment plan we can do. It's only, I say it's only, it's $3,000 for the venue. Okay. And we also get a. discount for having military family. So it's $2,800.

Yeah, I know. I was like, okay. We should have brought that. When you guys paying this? No, we haven't put any money towards that yet. Because we have to get the $500 deposit first. And with his work being iffy lately, we haven't been able to put the $500 aside.

But then everything else with the wedding. Work being if you guys aren't managing money. You'd be able to put. the 500 aside, but you take it out for Fibu and dog treats. She's smiling about it. Yeah, it's a cope smile. It's a nervous habit. Yeah.

Like your guys's goals together as an engaged couple looking into marriage. Do you guys have aligned goals financially? Yeah. Do you even know what they are? I have an emergency fund. Fully funded. Apparently go to tapioca. Get a car.

Yeah, get me a car. Get her a car. And the wedding. You guys just have one car right now? We have one car right now. Okay. And the wedding. And then after that,

I was hoping in 10 years time get a house, depending on the market. But that's like 10 years time. I don't think we're talking house when we're pulling all of our savings out, literally just the fuck around. Now we're finding out. How do you guys not have dramatic conversations around

the savings being pulled out? How is not a tear? And the relationship? I would be struggling if we set out a goal and that goal is to save money for the 500 down or whatever on the wedding or, you know, for the fully fund or emergency fund, whatever it be. And we're setting that aside, that money aside together into a savings account. And then one of us pulls it out going against the goal that we decided. That would be a huge tear for me. I don't know, to be honest.

I don't know why it's not a tear. You guys not give a shit. The goal must not be that important then. There's no emotional attachment to it. it, we're having no emotional impact when one is taking us away from it? I guess not right now, just because it hasn't, like, hadn't set in as to how big... You don't have an emergency fund. What happens if the one car breaks?

How is the car? Good, actually. It's pretty good. It's a 2017 Hyundai-A-Lontra. Miles? 204,000. Okay. Many miles.

Yeah. I had it checked out before I've been. bought it. It's the guys that was doing pretty good. When was that? Uh, February of this year. Okay. You got it in February. I got it for how many miles you put on that thing on a monthly basis, is it like you, is this like it driven a lot? Yeah. It's like our main source of transportation and what I do. A lot is to and from work for you, two and from work for me. And then we just, our home bodies the rest of the time. Sometimes door dashing. Oh yeah. That's hard. Yeah. And then you're blowing the emergency fund on, is it a dog, you said?

Two. Two dogs? When did you get the dogs? So mine I got in August of last year. Yeah. But it was from a coworker who's... You're great at protecting your data, but lots of places could still expose you to identity theft. I thought it was safe.

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Now there's usually vet fees. Yes, and she's fully caught up on all of her vaccines. she got, I got her at seven weeks old. And then you guys decided to get a second dog? Yes. And you could manage it? Yes. Yes.

He's in debt from his dog. I am in debt from my dog. All right. Let's get real for a second. What is more important than making sure your family is taking care of no matter what? Nothing. That's what. Especially if you're a parent.

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No. He financed his dog. When? April. This year? Yeah. You just got it. Why'd you guys get a second dog right now?

Because at the time, we were making enough money to where I could comfortably... This was before he switched jobs. Yeah, before I switched jobs. I could comfortably pay off all my bills, have a little money left over for. for BS spending and then do all do whatever, you know? So he also wanted a dog

because he was getting jealous that my dog loved me like she would cuddle with me, lay with me, love on me, and then attack him. So jealousy debt? Jealousy debt. Like she saw him as a just giant toy.

Yeah. Yeah, but trust in you, I guess, for that. Yeah. So then there's, we live, like, down the street from a mall, and in said mall is a pet shop. And he went in. It was originally just a, we're going to look at the dogs. A jealousy loan.

So what kind of dog did you get? A purebred, Siberian, Husky. And how much? 2,800. And how did you pay for it? I got my mother-in-law to get a loan for me. Your mother-in-law. My step-in-law.

Her step-maw. There is no mother-in-law, to be clear. Not yet. Not yet. Yeah. I just call her my mother- Really? So your, your girlfriend, your fiancé's mom, you called up and asked for a loan from?

Yes. Your fiance's mom. Well, technically, I called her and asked her. For him? Absolutely. weird thing. My stepmom has said it is very hard

for her to say no to me when it comes to stuff like that. So we don't ask her for a lot. But he fell in love with his dog. I think you just did. She also said it was a wedding present. Yeah, premature wedding present. So she's not going to guess anything for the actual

That's how she justified it. But I am paying her back. He pays her for the her payment. Did she take out a loan? Or is it a loan through her? She took out a loan. She took out a loan for this? You had her take out an actual loan. Through, yes, through their like. So how much is owed? How much is owed? 3,500. 33. Oh, you still owe 33. The loan was 435.

Why the, the dog was 2,000 or 800? Because she got approved for zero down, but the loan was 35, right? Yeah, but why not put back the other? 700? I don't know. But why do you owe that? How much did you get? How much did I get? How much did you get? None of it. It went straight to the people we've got the dog from. What the f... It went from dog...

And you haven't asked her where the extra 700? Not yet. I have been in contact with her, calling her trying to figure out paperwork for them. So the loan is through the store that we bought them, bought the dog from. So they're in control, and they've been super vague about... it to the point where my stepmom called the actual loan company to get more information. It's to the point where they don't even have a website that she can log into to track everything. Yeah, you have to call them and ask how much do I owe after answering a bunch of security question. She's giving me the clearance to go through and ask and I've asked multiple times,

hey, how much is left? Hey, how much is left? Hey, can I make a payment? And then, like, they're like, this much is left. This much is left. Oh, you want me like payment? What's your details. Give my payment with details. Why didn't you take out a loan? I... So he tried first... Instead of taking advantage of her and it can complicate the relationship and we're already seeing that a little.

It's complicated whether or not the strain has been there. He tried first. They wanted him to put 30% down. He didn't have the 30%. Then you don't get a dog. No offense. But also, we aren't get a dog if you don't have a few hundred dollars. Like, what happens if they get sick?

puppies eat literally my puppy my my second puppy my second dog that I had last year when she was still in her first year she had something got stuck in here a few thousand dollars had to get a surgery luckily pet insurance helped but the fuck would you do that's irresponsible just because just because her dog cuddled with her

what are we doing that's such a child is and also selfish move there is a warranty for her first year and if anything happens if any right if anything happens within her first year of life meaning death or whatever yeah no no isn't that from sickness though that's not from her going out and like eating a poisonous toad or something i'm not entirely sure on that yeah it's i doubt it's by action of like her running out and getting hit by a car it's gonna be something like a disease or sickness or something unforeseen that is beyond your control or the dog's control. I highly doubt they just cover anything. Yeah.

If a breaking bad plane explosion happens and, you know, something hits. Pizza hits a dog. Yeah, I don't think that they would cover that. That's a selfish move, buddy. All right, I want to see where you guys even think you're at. So I'm going to do three, two, one go. And I'd go, I want you to give me the household financial score. I know you guys aren't technically married, but you guys are kind of acting like you are, so whatever.

Household financial score. 10 being the absolute best, zero being the absolute worst. Where do you guys think you are? Together in 3, 2, 1.0. Okay, we're pretty close. 0.50. If you watch your Hammer Financial score, it's free, link in the description below. Also, if you have interesting financial situations, like they certainly obviously do, apparently.

And if you have interesting stories or if you're an interesting person and you want an opinion to be challenged, apply to be on the show. We're happy to have you. Calebhammer.com slash apply. I actually took the audit. You also bo-in moaned in the member stream because we weren't getting to your application fast enough. Patience, buddy.

I felt terrible after doing that. He did. He had a panic attack. I had a panic attack because I felt like such an app. You weren't an asshole. We wouldn't. I promise you it did not impact us in any way whatsoever. I had to reassure him.

I'm like, honey, it's a genuine question. You're fine. I felt like I was being an impatient little prick by doing it. How did we respond? You guys responded by like, it was, yeah, sorry, we'll get to you guys. We'll get to you as quick as we can. Like, things are backlogged. We get about 40 applications a day.

So we have a lot to go through. And like, it's just, it's hard for us. There's very little of us. And we have so many people trying to apply. Well, love the show. Recently decided to apply with my fiance. She's wondering what the turnaround would be for after our financial docs. Honestly, if you can do Thursday,

Caleb was whining about how he doesn't want to build on Thursday. But if, uh, if, uh, Wait, so turn around. Would it be after sending our financial tax? Oh, so they haven't sent the financial tax. So, who knows if they're even in the running. Exactly. So basically, if you're qualified, if we see enough interesting stuff to talk about in your statements,

then we usually cast one to two weeks out. And we try not to, honestly, we try to keep it about two weeks out. Because if it's three weeks out, then the financial situation is completely changed. The people come on and they say, Caleb, that's last month. I'm now perfect. And then it's like, cool. All the work that you put out. Yeah.

Well, I'm sorry, you had a panic. I guess someone who has them. I wouldn't want anyone to have that. That's really bad. But you're here. I'm here. So we already know what kind of came in through your guys' pay. It was essentially $3,500.

It was a little weird. I think you make a little more than that. But that's what came in. How much you guys think went out spending? Because we know you don't budget, so we know you don't consult each other. How much went out? About six because of the cash out. And we do that about twice a month?

Yeah. About $6,000? How the f-one? First of all, no, it was four. But $6,000, even that? And it's just so cash. and you brought in it would have been less than half that or half three a little more than half that and you guys are just like okay 6,000 we spent double just because oh what we're just like

how is that not impactful to you guys how are you just okay with that how do you allow that to happen it's nerve wracking for sure but nerve wracking how do you allow it to happen financial blindness, a lot of just swipe, swipe, swipe, swipe, swipe, swipe, swipe, go rather than swipe, okay, this much, swipe, okay, this much. So to be clear, our goals don't matter. Again, they really don't matter. They matter a little, you know, 0.5%. But all the swipes, that's what matters more. The boba, that's what matters more.

The new dog, that's what matters more than our goals. Yeah. The instant gratification, that dopamine hit. That's what matters more than our goals. Yeah. And we've been trying to... And married couples who don't get through their goals together do not stay together. Isn't it infidelity, financial, and, like, cheating?

Those are the main reasons for divorce. Yeah, there's a list of reasons and finances is one of the leading causes. Absolutely. And right now, again, we're training for savings. For Boba. Getting a dog because the other one didn't cuddle. We're not getting to our goals. and I'm aligned on our goals

At least you guys were aligned on how bad you realize your situation is Let's get into this debt What are we giggling about? Nervous My debt Okay Well who has this This picture of a document

That's mine That's the dog So I don't have actual access to it And that An 18% dog In 18% interest rate Siberian Husky Yes

It does a... It does have 18 months APR. Or no APR, my bad. No APR. No interest for the first 18 months after that hits. Is it deferred? No. Okay.

So it's just zero interests and then... Well, hold on. Amount finance, 2,829. So that's the price of the dog post tax. So what the fuck are you talking about this 3,400? Oh, total payments after everything, including an interest. That's where it's $3,684. So what are you talking about?

Because we were originally told we got approved for $3,500. And then that is what we had to pay back. Yeah. We were told the $3,500. Well, that's the $36. Because there's a financing charge of $855. That's the financing over the course of the time after your interest-free period. So he's doing everything in his power to do double payments each month.

And it was doing well until I transferred jobs. Doing well. You just got the dog in April. What's doing well? It's like three months ago? Yeah, I've done four payments in three months. So I'm one month ahead. In my mind, that's doing well. It's a start. Yeah. Doing seems to imply a continued action. It's a star. I do appreciate that for what it's worth. It is a little hard when they shut down for three weeks to remodel right after he starts. No, I get that. Is these 35 payments, that 35 monthly payments or like biweekly? Monthly.

So it's $102.36 a month. Currently total old about probably $2,800, right? Mm-hmm. Just about that right now. So the $3,500, you don't, but you don't owe her money. You're paying on the loan, right? No, I'm paying her. So you're giving her $102.

And then she's putting that towards the loan. So he's paying the loan. It's just under her name. And does she think that the total that is owed is $3,500, 400, whatever, because that's the total payments in the end when the amount of finance was $2,829? I'm unsure. Have you not showed her this document because it's kind of laying it out pretty clear? Didn't she send you that document?

Wait a second. Didn't she send you that picture? No. No. That is a picture from the actual, you know, payments of schedule. I have that. She got a PDF copy from the... Oh, but she has a PDF of that.

She has a PDF of that. She has access to that information. Yes. Okay. I mean, I can call her and see if she understands what he's asking. If she ain't busy. Yeah, so that is the interest baked in, to be clear. So that's why it's the total sales price of that, but that's after the interest.

And the interest period, free, interest free period is, how long? 18 months. Okay, so it gets us halfway. okay we got like 15 months left yeah yeah yeah yeah a year now getting close year and a half all right stupid decision and I love dogs

I love cats I love all animals really we had a lizard before we got her dog I love that but we had to give it up I love fish I like anything that can be a pet I love them so I get it you're just doing it in a very irresponsible and honestly kind of selfish way and dangerous way what do you guys have saved up on the side right now

right now nothing in my account. What the fuck happens if they eat a Lego or something? They jump wrong. Accidentally play too hard and one gets you know bit a little too hard.

Guys. Cash out borrow. With a smirk too? With a nervous smirk. I'm not proud of it. How much can you borrow from cash app? 175. That pays nothing. No emergency vet visit will ever be cheaper

than like a thousand five hundred. Is that here in Austin? We had an emergency pet visit for her dog not too long ago. Oh, okay, for what? For what? For what? Also, but what about like paying for the vaccinations and everything? She's fully vaxed.

Okay, good. She's all up to- Nuterred? Not yet. Not yet. We need to get the money. Okay, so what was the, what happened at the emergency vet? What was it?

She ate some bird. Oh, yeah. She ate some birds. So what did they do? And she got intestinal bacteria. bacterial infection. And so at the time, we didn't have the car, so I had my grandfather. What did the emergency vet do?

They gave her some medicine. Did they run blood? No, they did. They did a fecal examination. Okay. So there just wasn't much investigation, so that's why it was a bit cheaper. Yeah. Okay.

Trust me, anytime they need to do blood, any time they need to do x-ray, if it's a little more complicated, that adds. up hundreds, thousands. Surgery, thousands. Yeah, we do need to look into pen insurance too. Not just that, but it's just a basic emergency phone, but I spend it all your money on stupid shit and don't get pets to tell you have a thing. What do you mean you had to give up a lizard? You had to give up a lizard? Why? You couldn't

afford a lizard? No, we were neglecting the lizard because we got the dogs. So we gave it to, we gave it to our friends who have multiple lizards. Well, thank you for at least realizing it and giving it up. Yeah. It was kind of Kind of, she was, Iggy, our lizard, was out of sight, out of mind, and our focus was on this really high energy dog. And we'd be like, oh, crap, Iggy. So we were, I had up some friends that I'm good buddies with. And I'm like, hey, do you guys mind taking our lizard? We'll give you everything for free.

We just want you guys to have, we want her to have a good home. We want her to thrive. Dude, I'm just thinking, even if you guys just had like a basic emergency fund, either in a high-yield savings account, I use so fine. Or even if it was just sitting in a brokerage account with like a promotional thing, like Moomu's 9% APR thing for six months, that would at least be making money. And then you could use it if anything ever were to happen to the car

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That's the borrow function for cash app. So you do this? We both do that. That one you're looking at... Perfect. Perfect match. That one you're looking at is mine, my current one. Okay.

Because we... Connor Cash App. We've gotten into a problem of... A cycle. Not a cycle, a problem, a cycle of Of course. Pay the borrow. Oh, yeah.

Take from the borrow. Pay the borough. I'm sure. Back and forth. Yeah, I mean, it's because you guys also make like, payings on the dollar. Yeah. Well, you also just don't work very many hours.

So the Oklahoma City area, right? Mm-hmm. Mm-hmm. Now, I will say for my job, at least, I'm training front and back-a-house. The back-of-house training. I'm getting out of dishwashing and going to line cook.

Line cook makes about 1650. Median hourly wage in Oklahoma City is $21.17. As of last year. For a dishwasher? No. Just in general. Across. So you both are making decently under the median hourly wage.

Which anytime you're getting under the median hourly wage together as a household, things are going to be a struggle. And I'm not surprised that you guys are in the cycle of just essentially like payday, loan cycles essentially. Your fucking cash at payday loaning. We think in any way whatsoever that it's okay to take from savings if we're payday loan shuffling?

No. And what are you even getting? What are you even like doing with the money that you get? The median household income in Oklahoma City is $67,963. You guys are dramatically under that. 67. Yeah. And that's incorporating those young

younger people because once you get over the age of 45, the median in Oklahoma City is 81,000 per household. We need to start really thinking about our income. A lot of times there's a lot of spending problems and trust me, there are in here too that we'll go through. But we really need to start thinking about our income situation and what we want to do. Luckily, I mean, I can give to you guys both course career certifications. You can do things like accounting, even trades now and tech certifications. It's up to you guys. If you guys want to use that to try to start looking for something a little better or boost your resume, definitely feel free. But I do ultimately want to do cosmetology.

Okay. But I know that I can't even apply for schooling until I get our finances under control. There's the price of schooling. There's also the fact that it takes a while to make decent money in that industry. It really does compared to many industries. And then also like hours weird. It's like 1,500 hours worth of schooling. My older sister is currently in school for esthetician.

And it's like half of what it takes for full cosmetology. Yeah, and they struggle too. I used to do schooling for Cosmo. How are you guys? You guys are the same person. So for the school for Cosmo, that was actually free because my, the trade school I went to, if you go to a school within their district, they will cover your entire tuition after you graduate up until you're 21. Okay.

So I decided to do cosmetology. Well, I went through the first half of the first semester. Once the second half of the first semester came around, I started living in my car. So I, this was like two, three years back, though. So it has nothing to play with what you're looking at right now. Oh. But. Well, how much do you owe on this?

On this cash at borrow? On that cash at borrow. What did you pull? I pulled... You have 80 left to borrow. How much is owed? What's your total available? 175.

175 minus 80. That's about... $91 payments. Do you know what you're spending it on? I know... Today's was... I'll tell you. VR.

Tata's in the virtual space. No, that's not what the... Some meta-zuck... No, that's a... That's a different statement. That's not what it hit right now. It's in the cash app in general, though. How much does VR?

First of all, how does it even like? I wouldn't know. It's his VR. Interesting. It's different. It's like POV extreme. Why virtual reality when reality reality is right next to you? It's a good question.

I ask him the same thing. And how often do you? Is it a, like, a per time thing? Are you buying like a situation? It's a subscription. And what is it? It's a yearly subscription. How much?

99. And it just like shows like people doing things to you or something? You doing things to other people? So it's like, P.O.V. You're, P.O.m Phillips or P.O.B. you're doing that a third? You actually know a star's name. A name. Not that I don't watch anything, but I don't know anyone's name.

Yeah. Do you have an addiction we need to talk about? Not anymore. Because I canceled those subscriptions because it was a, it was a... You canceled the VR one. Yeah, they were impulse purchases. I bought them, used them once, and then have it, like... Can someone charge my meta headset, please?

Hell know the websites for you. That's pretty wild, though, of a purchase in general. For indebt, that's a wild. It's interesting. It's the first one. First time that's happened. So congratulations. I think.

How do you feel? I do, because I am, it's just like, what is it? But how do you feel spending money on? When he told me he spent money on my literal, my reaction was, why are you spending money on when you could go to a pub and watch it for free? Oh, that's where you guys don't live in Texas. I don't like, okay, so we're, but. There are other like free sites that you can use.

The reason I say I don't like have the shift because you're example. It's a bad example. Whatever videos, whatever you use. Oh my gosh. You guys. You guys know all the sites. Jake suggests offici-and-ados. Officianados?

I haven't heard of that one. Either Jake or Claire. I'm just assuming Jake. Oh, he says you guys are offici-and-ados. Not to go. Okay. All right. Some professional gunners over here.

So, so far, I believe what that borrow is is for our drive up here. for gas. No, at least you guys get reimbursed on that, but that's silly. And then is this yours? Yeah. Wait,

is this $0 available to borrow? So that means yours is maxed out. Yeah. With $26 payments. Every what? Month. No? No, those are the repay dates.

Upcoming. Yeah, we don't even know what you have to repay them. But I always repay it with my next check. That's insane. guys, we cannot be living for cash that bar to cash that borrow. That's crazy. And the fact that if 175 is a make a break for our life, we've done life wrong.

Listen, some people are in unfortunate situations. Some people are in emergencies. Some people are in bad situations that are hard to get out of. And I absolutely get that. But I know what you guys make. And it's not a substantial amount of income for the area. But I know for a fact, 175 should not be a make a break for your entire life. It shouldn't be.

There are behavioral issues here to unlock. Definitely. Definitely ADHD type purchases. Oh, what the thing? What? Clinically diagnosed? No, I'm not. He is.

I am. Clinically diagnosed BPD1, ADHD. Okay. Have you seen someone to manage the coping skills around this? Yes. So that it doesn't immediately go to let's our entire financial future and my future wife's financial future?

I have. and then... It's not just about... I have a psychiatrist. I see her about once every three months because... Affordability issues? No.

It's just like I feel like things are going well and I don't need to talk much about it. Are they? Financially, no, mentally, yes, but... He's stable. I'm stable. It could be better. I keep telling him he needs to get back

into his therapy sessions week. I just realized you're a member I appreciate everyone being members you can't afford your membership I'll see if I can gift you a membership I'll see because I don't know how it works on this platform I'll see if we can gift you a membership but I wouldn't want people to go into debt to be a member

or hold themselves back because don't do that I appreciate everyone who is a member it helps fund what we're trying to do here at this channel and we have a lot of different shows there in member streams but don't do it we'll see if we can gift you one Okay. Let's look into that, please.

Noddy, naughty. Okay. Oi. All right, let's keep going. Credit karma. A closed, closed discover card. So,

what is this? That's mine. Collections? Or is it just closed for now? I think they just closed it because, um, and the collections, it's two other purchases.

You have collections? Yes. They're like two separate. Are you having closed? collections of 23. This is so young for this. First of all, you guys are not credit card people. Please never open a credit card.

Please stop with the cash app thing. Use charge cards like a fizz card if you're ever going to use one so you're forced to pay it. But even that, I don't know if I trust you. So that was a secure card for only $200. So I could not spend more than $200. It's $212.12. That's the interest. And it was because I, at the time, I could easily pay back that $200 with one paycheck because I was at,

Taco Bell. And then why didn't we? Why are we not paying it now? Because again, $200 should not be a make a break for your entire life. This has to be months of not paying it for it to be closed like that. When we got together, he didn't want me using it because I had no self-control with it. Sure, I get that, but why not pay it? I forgot I had a balance on it.

Oh, how do we forget? How do we forget? How do we just like, what? You don't have the app? I do, but my phone. There was no automated payments? No, there was no automated payments. So when you locked it, you weren't like, oh, here's this card that's fully paid off?

No, it was, give me the card, we're putting it in the lockbox. It's been in the lockbox for about a year now. Okay, so what is this credit? Okay, well, okay, here's two collections from you. Jeez. I don't know what the... Kane and Winer are. Kane and Winer is.

Well, Kane and Winer is the agency that's trying to get it. I don't know, but you don't know where it's from, who sold it to them? No. I don't know where either of those came from. We have $221. You're saying there's been no bills you've missed. Electricity. There's been no rent ever that you've missed. There's been no financing thing you've ever done. No cards.

What? Cox. Yeah, from before you and I met. Oh, back with me and my ex. Yeah, collections. They can only be on here. He was supposed to have paid that. but it was under my name.

Well, then it's your responsibility. But why haven't you paid them in so long? Because I haven't gotten any bills or anything from them. But it's hurting your credit. The only bill I get right now is from an access medical center because I owe $10. And I just need to go down the street and pay it. I haven't you gone down the street and paid it. We need to have a little bit of responsibility in our life.

I can't drive the car. I'm not allowed to drive the car. Can't walk? Why can't you drive? She crashed my last one. Ah, what the fuck? What do you mean? So I was taking one of my coworkers home and I was at a stop sign and I had looked both ways and proceeded to go when it was clear.

And then some kid comes flying out of nowhere and slams in the price. Well, it sounds like it wasn't her fault. It wasn't, but insurance claimed it was. So. Because there was no proof. We have dash cam now. Yeah. There was no proof that he was speeding and I had the stop sign.

You can't walk down the street to pay it? Bike. I do have a bike. We have two bikes. There you go. How long have you owed $10? Are you kidding me? Like a month.

Are you kidding me? We need, I feel like, okay, we have, I can't speak for the rest of your life and I'm not going to assume the rest of your life, but we at least have the financial management of 14-year-olds. now. I just need a little maturity here, a little effort, a little responsibility. $10? Pay it. I was actually more financially responsible as a 14-year-old. It was when I moved out that money became an issue. Well, he buys just like a 14-year-old who just discovered what it is. Like, before I moved out, I had $900 in savings that I didn't touch. I think it was

Having that adult-year Adult-style thing above our heads Telling us what to do. I don't know what happened. You think so? I could make $20 last two weeks In high school. But yeah, but you were living in a more protected,

coddled environment With rules And people who wanted to know where you were Different life And now you're managing it all on your own and we're seeing. To be fair, they did try to set me up for success. They tried having me do financial peace university.

Oh, I'm not blaming them. I was stupid teenage kid. I was like, I don't need it. Yeah. And now I'm like, okay, maybe I needed it. Pay the $10, please? That will get done. What's your credit score?

I think it's like $4.69. That's insane. Whoa, sorry, I don't mean to, like, laugh at that. That's crazy. I thought it was 5.69. Oh, please be. Even that's horrendous, but 469 would be insane. They probably threw away that page because, you know, the credit carmas have like a thousand pages.

I can pull it up. If it's in the fours, like, I'm walking out into the middle of the highway. Can I join you? Yes. You might want to. You're not on. Once we go through the spending. Is that all the debt?

4.92. He just died inside. That's crazy. I've been dead inside. That's ridiculous. Any other debt? Does the car have debt? The vehicle, the Vroom Vroom machine.

No. I do. You're thinking about it. It's fully paid off. No. For this month because... Insurance. He's not talking about insurance.

Okay. Are there any of? other debts. So before he and I met, before he and I met, my ex best friend convinced me to get a Sugar Daddy. Okay.

And so I went online, found a guy. He was sending me checks through email, having me deposit it. Through email? What the is that like cash up? Okay. I asked if he had cash app.

Sugar Daddy? This was like a virtual sugar. your daddy situation? Yeah, like over the phone type stuff. And so I would deposit the checks. He'd have me keep some and then use cash app to send it to somebody else. So then... How the fuck is that not screaming? How old were you?

21. How the fuck was that not screaming red flags in your head three years into adulthood? Sending money to another random person? I guess I'm just too trusting for my own good. Was it the like validation from him? So he didn't want any like pictures or anything like that. Other red flag. Yeah.

He said he just wanted to talk, somebody to talk to. This was also late at night and I had not gone to bed yet. there's like three, four o'clock in the morning. Yes, men only want to talk after 10 p.m. Historically. And so then two days later, my whole bank account gets frozen. Then they are like, hey, you owe like almost $4,000. Oh, wait.

How much were these checks coming in? They were like... Checks. Um, 900... And how much were you supposed to send to the other person? Like seven. 700 of it. And you thought there was a random $700 tax to a random person?

No, he said it was for his, um, like help, like his, like, did you ever see this like FaceTime? No. He was sending me pictures through text. Oh, did you never do the two, three, four finger rule? The heck is that. Show me a picture with three fingers holding up to prove it's you? I've never heard of that.

How much of you guys dated around? Not very much, honestly. We actually met on Tinder. Yeah. But we knew. Oh, wait, you two or the Sugar Daddy? No, us too. But we knew of each other in high school.

So like we had different... Only saw pictures of him? What did he look like? Chadman. Older gentleman, like in his 60s 70s. Did he ever send a voice note? No. And did it sound like this?

Oh. No. But I did file a police report. on it. That's good. But the bank said they can't do anything with the police report unless they actually catch the guy. Yeah, and they won't.

But I don't want to repay that because it wasn't my fault. Well, sure. But repay it to who? The bank. The bank wants me to repay them that money. Honestly, no offense. But I almost think you should. because I'm going to be brutally honest.

This is not, uh, not the shit on you. You're a very pleasant person. And I like both of you. But you were kind of the dumbest person I've ever heard of in that moment. There were so many red flags and verifications you could have done. And this is so,

sounds so weird. And you used to bank's money to, you almost should pay it back. I'm kind of on the bank's side. You're frauded. I'm not on the, on the side of like, you should pay it. because obviously you got...

But it's just like, I get the bank's perspective because it was their money. They got frauded too. They probably have insurance to cover it, though. How have those conversations gone with the bank? So I went in to talk to them about it. I got the police report number and everything. And he can vouch for me for me because he was there with me

for that conversation. But they're like, nothing we can do. You have to pay this back. Yeah. And if you can't pay them full, you can pay $50 increments until it's paid off completely. It is a federal credit. Every month? Every month.

It's not the worst. The thing is, is your credit's already f***ing. This is just going to continue. They sell it off. I don't know if it's like a sell-off type thing, though. It's interesting. They could go to maybe like small claims or something legally. A little.

Might not be worth their time and energy. Oh, it's a credit union. We'll see. It's a tinker federal credit union And as one of my producer who's worked with a credit union He's saying that it can really fuck up your options For opening other bank accounts up going forward And that within itself

I don't have a bank account Oh I use cash app and then my work Has one of their like prepaid cards So here's the thing I'm on your side I don't want you to repay it either But literally just for the sake of like existing in society

it just might be the bullet we have to bite. I agree. You shouldn't have to pay it. I don't want you to pay it. An insurance or something should be covering it on their behalf some fraud thing. This is why I kind of wish it was almost through a credit card instead. But, yeah, I'm sorry. That sucks.

Gooned a little too close to the sun with that one. Mm-hmm. Yeah. No more sending random money to people that we don't verify or real, or ever hear the voice of? Yeah, no, I learned that lesson the hard way. No, it did. Yes.

Now I go through various things to actually make sure I'm sending it to the right person. That's good. And it's an actual person. I'm sorry you went through that. That really sucks. Again, this might just be a bullet. We have to bite so that you can operate in society. Bank accounts, they're important.

You're going to... We tried to get her signed up for my bank. The bank I use. Yeah. Yeah, they said. No. Oh yeah, I bet. They're like, you have this $4,000 thing on here. And she's like, So how much do you go again? Ed, I don't remember the exact number, but it's close to like $4,000. That's crazy. That's wild. That's absolutely insane. But we can do $50 increments, and I think that's

manageable. It's going to take forever to pay off. Does that come with interest? I don't think so. I don't remember if they said anything about it. If that is the case, you may as well at least get on it, and then we can pay it off early because it's going to take 80 months, which is way too long. You know, that's six and a half years. Like, why do that? But it at least allows you to start get the ball rolling and then we can throw it into our overall debt payoff strategy. Okay? Yeah.

And I'm sorry, you got that really do. That's been this huge thing. Damn. It's one of those things where it's like I want to almost set up a go fund me for that. But I just can't. I'm sorry. I can't. The main thing is, is I don't want people to come on with the hope or expectation.

Right. No. But like, I almost think like. I honestly didn't think you would even. think of something like that. I mean, you got... Absolutely sucks. This is Euphoria Calvin Klein.

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Let's do, we're going to do a one-time thing for this. Essentially got by some scam thing. We're going to, this is going to be the only time I will ever do this. No expectation. If you come on, I will never do this again. But we're going to set up a GoFundMe. We're going to look into it. It's going to be near the top of the description or somewhere near the resources.

If you want to, no obligation to, especially if you have debt. But we're going to do that. and try to get her out of the 4,000 madness of insanity from that chaos. Yeah. Yeah. I appreciate that. Yeah, cool. Okay.

Because this has, like, been looming over me to the point where I don't even want to go to the bank to... He had to force me to go to the bank to talk to them about it. Like, it gave me such anxiety. Yeah. I would just be filled with rage personally, even. Oh, I was pissed. Yeah, I still would be. I'm pissed on your behalf.

That's why I'm willing to kind of break my rule on this. It's a rule. I don't do. Because like, I filed a police report. I took all the steps I needed to and the bank's still like, sorry. Yeah. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars

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You got like a snacker and energy drink. Amazon, when inside got a snacker energy drink. Vapor one. Oh, are we vaping? We're vaping. Both? Yeah. Guys, let's try to live beyond 40.

Eight years in the whole. Oh my gosh, that's crazy. I'm so lucky. I was so close to the vape generation. So one vape lasts me like two months. I don't smoke it that much. And how long will your lungs last you? Who knows?

He goes through the same size that I get. Two weeks. And like a week, maybe two. How much does it cost each time? $20. $23. Okay. Every two weeks?

For him. For him. So it's $598 a year on that. When, again, mind you, we're literally borrowing $100,000. $175 every paycheck just to survive. You guys spent $100 together in vapes across that month. You guys can't afford to live right now. You know the bank money from the scam.

You're borrowing little micro payday loans. We have collections. I can't put this in your budget because, one, it's bad for you, two. It's stupid for your budget. But it's so much easier to send the done. You're just going to have to work on this. Hold each other accountable. Seek help.

I know it's not like a kind of addiction. I don't want to make it sound like it's that extreme, but it's, you know, not good for you. And we don't even know all the implications of vape for the lungs yet in the body. I used to smoke cigarettes. Well, I'm very glad you got off that, definitely. He got off it because I'm allergic to cigarette smoke. Good.

So I can't even smoke cigarettes. Good. Yeah, but I switched to vaping. I'd kick you guys out if you smelled like it. Nasty. But I think this is something you guys are just, work on for each other and for yourself and for your families and for your dogs. Bad for your budget.

Bad for your health. Set up goals. Maybe we get the special prize. If we're six months clean, you know, special prize, year clean, that kind of thing. Just work on it. I can't put it in your budget. For him, it'd have to be a go X amount of time with one babe and then, like, cut the time back. Whatever you guys have to do.

I'm not an expert. that but that's so lung cancer chick filet teapioca so you're getting boba too for her go i hate boba the texture of the tapioca you can get it without the tepioca you can get the tea oh that i don't like tea oh communist and going inside from gas station getting some drinks so what are you getting because you're always getting like drinks and snacks he's getting energy drinks monsters yeah let's get diabetes while we're at it and kill our heart McDonald's chickfil-a Going inside, get into bullshit. Lung cancer.

Oh, there's the VR. McDonald's. Going inside, getting some bullshit. Okay. And yours. So this is your checking account. $95 to your name. Oh, boy.

Subscription for music. Crunchy roll. Anime. I know what it is. I exist. And some bullshit from the place you work at, probably. More bullshit. from there.

So it's groceries. Really? Just micro dosing groceries? Yeah, we just grab it as we need it. Because I work at a grocery store. We don't let it build up to where we make a big purchase. We just grab it as we need it. That's interesting because then you're going and door dashing,

even though you're getting groceries. And we can't afford to live. That's a curious thing. Lung cancer. Bark box. No. No, no, no. Got a little cheap toys if we need to here and there.

Oh, the thing with that was the cheap toys, because we were getting them from Walmart for like five, six bucks. Okay, fine. Go to PetSmart, get the indestructible. There's these indestructible things that I get for my big dogs that destroy things. It will last for a while. I forgot the brand, but there are. We went to Petco because there's one down the street from us. Yes, get antlers.

Oh. They love them. Like actual, like, antlers. Yeah. It's like basically impossible. I thought you were talking about a store or something. So my aunt, she has a poodle. and they got him this like massive bone.

Yeah. And it was screwing with our dog's stomach. What kind of bone? It was, um, cow femur. Yeah, it looked like it was a giant cow femur. Well, I don't know anything about that, but maybe try the antler because they really can't chew it. Like, it's like almost impossible to like, you can't break it. So they're gnawing on it for like years.

Huskies, stomachs are very sensitive. Okay. And both of our dogs are. Talk to your fat. I don't know, but this is stupid. You can't afford it. And then same with the DoorDash and you paid for TikTok Live? You did not donate on a fucking TikTok Live stream $3.

I pay for your donate to you guys being able to exist for sake. Are you kidding me? Legos. Wow. I didn't even know there was Legos when I made that joke earlier about a dog eating a Lego. Are you kidding me? So that was for my second youngest cousin's birthday. And me and my sister went in on it together.

And you can't afford it. So I don't give a shit. I don't give a shit. collections that would have paid off half of one of them. Happy birthday brother or cousin or nephew? Cousin. Happy birthday cousin. Your cousin's getting out of debt so she can get married, huh?

How about that? Then you're also paying for Snapchat. You're how that company is still surviving. I always wondered how. He's also paying for Snapchat. The fuck is there to pay for? I pay the yearly 23 Snapchat premium. What do you get?

I got it for dark mode. No, what? Literally for dark mode? Oh, that. They didn't have it on Android when I got sound premium. They didn't have it on Android. That's the stupidest thing I've ever heard in my life. Cancel that.

Do not let it renew. Okay. DoorDash, DoorDash. That's dumb as fuck. Come on. If there's anything dumber, like you can go pick up food for almost half the price. If we're going to go out to eat,

which you shouldn't because you can't afford it because we're living payday loan to payday alone. But we're getting it delivered. No excuse to be lazy. I know there's only one car, and if that's the case and he's out and about, then go to the pantry and eat a dry noodle. DoorDash, Spotify, you can listen to ads Paramount Plus, nothing on there. Gyro, Giro, sorry, I always say that. Cup bop.

What was that? The Giro. Cup Bop. What is a cup bop? It's Korean barbecue in a cup. Okay, cool. Absolutely. Put water in your cup, drink it.

That's all you can afford. DoorDash. Are you kidding me? That's insane. $37. These prices are insane. More DoorDash! Why do you have Spotify and YouTube music? I don't have YouTube music.

It's YouTube premium. You got two YouTube music charges. I shouldn't have YouTube music. I didn't sign up for YouTube music. I signed up for YouTube premium. I use YouTube premium. I love it because you get YouTube music and YouTube premium. Love it.

You had two YouTube music payments and Spotify. So just take a look into it. DoorDash again. Petland. Nintendo. and then what is this? What is this? What is this?

Who's checking account is this? That's mine. So you do have a checking account. That's the prepaid card from work. Oh my gosh. They use skylight. No.

It was either Cash app, cash app, cash app would draw. Taco Bell, Taco Bell, Amazon cash up, cash up, cash up, cash up, cash up. Cash app, cash up. Cash up, cash up. I don't remember.

The Amazon was hit my card was on his Amazon and it Are you the bank first loyal? Yeah You started negative In your savings If I'm reading that right You started negative in your savings

I thought I started with the dollar on there I'm seeing negative 809 cents Oh that was after they took out the dollar fee That's what that is That's why I started negative Because I'm transferred two bucks over That's a joke That's a joke.

I'm checking account $34. So two doodish things. Guys, what are you doing? Then you're waiting and got an energy drink. Then ramen. Oh my gosh. This is insane. You guys are ridiculous.

How are you living like this? You're spending so much money. You have no money. You're micro payday loaning. You're going out to eat every meal. How are we doing this, guys? This is your future doesn't exist. Your wedding doesn't exist.

getting out of debt will never exist with the behavior that you guys are doing. To be very clear. To be as clear as possible. You're never getting out of debt with this. Ever. The ramen is work. You know what?

Because the funny part, hilarious, absolutely comical, your guys' debt, compared to people coming on the show, is practically nothing. Yes, you guys make lower than the median income in your area, but also you do have income coming in that you can afford to do.

The fact that you guys have the debt, have the collections are not making progress and are borrowing from mother-in-law it is all because you guys are just spending every day of your life on swipe swipe swipe swipe swipe swipe swipe swipe swipe swipe swipe this is ridiculous more ramen amazon cash app going inside getting an energy during chick fillet cash app storage and cancer and there's premium

and cash app cash app mcdonalds this is insane guys what are we doing Reminder, you spent at least $500 more than you made last month. Groceries, because you did your little microdosing of groceries, was 2.5 to 5% of your spending, but going out to eat was almost 12%. Yeah, we really want to get out of debt. We really want to hit our goals, right? Miscellaneous bullshit thinks that don't matter, just subscriptions and crap.

Or not even subscriptions, subscriptions, is 2.3. And then miscellaneous bullshit is an additional 6.4% your spending. Other large purchases is 18.4. Let's see what those other large purchase. purchases were. It was just, it was cash-happing out and ATM withdraw. So the ATM withdrawal was because for a while we had to physically pay our electric bill at one of their little kiosk things. Guys, this is insane. I pay the loan through cash out. So a bunch of those like 105, 102s. We would have added that to your debt payment then. Now in hindsight. The BS spending, the miscellaneous

B.S. spending and the going out to you spending was ridiculous. The subscription itself is also ridiculous. I think you guys are bringing in $4,000 a month in that. I would be surprised if it's less. Let me get your minimum debt payments here. We're getting you on the $50 a month plan to the bank, okay? You're going to start that. And then if the GoFundMe works, it works.

If it doesn't, it doesn't. Okay. And then you pay Peacock annually as well, which also is the office. Just over and over again? Yellow Sun. Okay. Is it still good? Yeah.

Isn't it like the same like three plots over and over again? I just started watching it. Paramount, I don't really watch, but my family does. Your family, I don't give you. Unless they're paying. Make Mother's Day even more special at Whole Foods Market. Kick off brunch or dinner with quality cheese and charcutory with no synthetic nitrates. Then go seafood.

There's an abundance on sale at Whole Foods Market, where it's all sustainable while cotter responsibly farmed. At the bakery, grab seasonal treats like their strawberry pretzel cream pie, and you can't go wrong with a ready-to-heathe Kish Lorraine, devil-degs, and fresh-cut fruits to go. Celebrate Mom with Whole Foods Market. Pain for it. Well, it's my grandfather and my grandfather will give me rides to work, like a couple times a week whenever he's working the morning shifts.

All right, $199 for 36 in minimum fee payments. That's so manageable. What's your rent? 12. 1,200. Oh, for our income, it's a little hard. You can fit it, but, you know, it's a little... You guys are lucky you have each other.

Waters incorporated in that. Electric gas. Electric ranges. So the only other, on top of rent, we have to pay is electric. Yeah, average. 100 bucks. 80 to 100 bucks. This last month was like 200.

We'll call it 100. Internet? Internet, I have through my phone bill. It's about $40. Through your phone bill? What's your phone bill? T-Mobile. And how much is that?

160. Do you on your phones? I don't. I just got a new phone last year. Set you guys together? No. No. I'm 15 for my phone.

Good. Good. Who are you using? T-Mobile. How'd you get 15? Family plan. My uncle is allowing me to be on his plan and he's military service. I don't know how the math works out with the internet situation.

What do it would cost for you to get internet? I want you to do something like Healing, which is T-Mobile Towers as well. You know, one of those cheaper services for $20 a month. I got to pay my phone off first. That's why I asked if it was finance. So what is yours? What's your phone bill again? 165, I believe.

15 plus 165, 180, okay. Gas a month, drive-drive, room, room. 120. Car insurance. 208. That's because of me. Yeah. Groceries, we can do.

550. TP funny. Anything else need to survive? 150. Medical. Co-pays. My co-pay is $30.

How often? Anytime I go in. How often you go in? Rarely. Okay. So it doesn't have to be in the budget of that. That's why I have that $10. You'll learn how to do those.

Any ongoing co-pays. Jim? No. That is my grandfather. No. Oh, Jim. Oh, no. We don't go to the gym.

Oh. Workout gym Okay Workout gym We have one in the apartment So we don't need that When it shows up on my cash app It shows up with his name

Anything else I need to put in your guys' accounts Would dog food be incorporated into that How much for dog food? It's like $24 a bag How many bags? We buy two Okay so 50 bucks for dog food Because they're both on different formulas

And 50 bucks for pet insurance as well Do you have a recommendation for pet insurance? Because I've been looking around and I just don't know what to go through. Who was the sponsor? Who was the pet insurance sponsor? We just filmed, Clara? You can check out money.com. It's like money.com for it slash Caleb or something like that.

They like compare pet insurances and, you know, you can choose what's recommended there. Okay. So that'll be good. I'm doing 50 bucks for both. Anything else that needs to be in your guys' budget? Not that I can think of. Dog toys? Nope.

Nope. Nope. guys We'll get one more Kong and we'll call it good Yeah It's like three bucks for a con I think so

Something like that You guys have room Again this was just your behavior I do think you guys should make more income And we should get you there for long term But I think you guys bring in $4,000 a month Net together You really should

You need $2,807 $36 to survive So this is what I'm going to do So I'm going to give you guys $192.64 cents of fun Okay? So you have $1,000 left over So just budget your fund

Whether that be subscriptions Or going out to eat or VR You're not living that one down. Of course not. It's easy. The first month, I mean, just pay off those microloans Put the rest aside in the savings. Second month put aside in the savings.

Third month, and fourth month pay off the dog, fifth month pay off both collections, and then if there's anything after the GoFundMe on the bank, pay it off. But that's just five months. You guys are debt. This is so easy. You guys are just acting like children, guys.

Nothing. And then save up $10,000 for an emergency fund or six months of living expenses. About $9,000 last time I did it. It would be $16,800. No, you need $2,000. thousand and eight hundred seven dollars to live we just said yeah uh well it would be two thousand six times that by six and we're still so so 15,600 so i think you guys would be

done like a year guys like a year and a quarter a year and a quarter you guys are out of debt and yeah depending on the go fund me goes yeah right you know you still call it a year and a quarter or two years no because you pay that off in a month Either a year and a quarter or a year and a half. And you guys are... And then you're saving for your wedding because, I mean, that's forever away anyway. So it's just like...

This is nothing, guys. This is nothing. You guys are just acting like children. This is the easiest solution we've had on the show in forever. It's just been being able to like... Spend! Budget! Budgets! For the first time in your life, budget!

Go through the budget in class. Guys. Stick with the budget. Stick with it. Go through it. We help you stick through it. And join the past guest discord so you guys hold each other accountable. I keep my eyes on it. I'm not in there like participating, but, you know, keep each other accountable.

And then reach out to us for anything. Spending your budget is over, spent zero out of ten debt. You have collections zero out of ten. Emergency fund. There's nothing zero out of ten. Retirement. There's nothing zero out of ten, right? Right.

Zero out of ten for real estate. Hammerfinancial score zero out of ten should be, should be and will be like a five out of ten almost instantly. Just be adults. Finally. I think it's time, you know, 23, 22. It's adult time, okay? Yeah. Make sure to stick around for the post show.

We're going to talk about some extra drama that we didn't have a chance to get into. There's also other shows and fun things behind the scenes and member streams if you guys join that membership. Check it on the link in the description below. And also just check out the resources down there. They're great. I use them. You can use them too. And you can get the class, the bundled class budgeting, investing, all for a bundled lower price.

Stick around for the post show. Today on the Financial Audit Post Show. What was her fun little expense? She had an only fan transaction. Oh, she had an only fan. What are you getting? I don't hear of women purchasing only fans. It's not purchasing.

At one point, I was creating content. And so I was withdrawing. Why don't you guys share the truth with each other? I do. I even told them. I was like, I don't care. What did you think about her doing only fans? I don't know.

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