Financial Audit - The First LGBT Divorce On Financial Audit

Episode Date: September 3, 2025

▶▶ THEY ARE BEHIND ON THEIR TAXES--- BOTH OF THEMMMMM WHAT THE F*CK THIS IS INSNAE. Become a Member to watch the post show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join And Watch Todays Post Show: https://youtu.be/dGcsIVsC2NM ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Try ZipRecruiter FOR FREE at this exclusive web address: http://ZipRecruiter.com/CALEB ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

We're the Hartford, with decades of experience ensuring millions of unique small businesses, when it comes to your small business insurance. Thank you. One size, absolutely, does not fit all. Get a quote or find an agent today at thehartford.com slash small business. This is a Bose moment. You've been there. Small talks going nowhere, but then the Bose speaker kicks in.

Music you can feel fills the room. And no more chat with Danny from accounts. Your life deserves music. Your music deserves Bose. Find your perfect product at Bose.com. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I specifically have notes that you guys told the producers that Carrie rushed Tricia into getting married. That's weird to say.

When we first started dating, you were like, I want this, this, and this by this time. Who wants a kid more? She wants a kid more. Who's getting pregnant? I would like to try. That's not a weird reaction. I thought maybe you would want to donate. Don't speak for both of us.

Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app, for not only 80% off, but also with a free trial today at dollarwise.com. Join the tens of thousands of people who've changed their lives and joined Dollar Wise Central right now for free. Hi, my name is Trisha and I'm 22 years old. Hi, I'm Carrie. I'm 32 years old and we're from San Antonio. And this is financial audit. Thanks for coming up from San Antonio, guys. What do we do for a living year in front of me, Trisha?

Let's start with you. What do you do? I'm actually an ultrasound tech. I work for a mobile company, so we kind of travel around a lot. Okay, what are you making? 24 an hour. Cool. How many hours a week?

Like six, maybe 50 hours. So that's on right? Yeah, she's gone on a lot. Okay, because she seemed questioning. Well, it really depends because we travel a lot, so there's a lot of drive time involved. And it depends on. Are you paid for that? monthly basis, probably about 4,000.

Okay, not bad. Not bad at all. And I assume this is a dual household income. We're a couple? Are we married? Yes. Okay. Newly married.

32. When did you guys get married? Last month on the 14th. Yeah, Twitter won't like that age gap, but that's okay. We live in the real world, so I don't give a fuck. Yeah. And what do you do for a living? I'm a sous chef.

Cool. Yeah. Did you bring us a new food? No. I am fat and I like. food. No, this is my day off, so I left it at work. All right. That's a little racist of you, but that's okay. What do you, what do you, what do you make? 50 a year. Okay, what does that break down to when it comes to hitting your account on a

monthly basis? Monthly, it's about 3,150. Okay, cool. So in San Antonio, cheapest major city in all of Texas. If we're at, and that at four, five, six, seven, seven thousand one hundred dollars a month, certainly not bad. How are we doing? I mean, obviously you guys are on this show, but how are we doing? We're surviving. We're getting there. Are we actually doing either of those things?

So we have five dogs. What's the importance of that in this conversation? Well, I feel like that really revolves around our life and how we live because a lot of the times, like if we need to go somewhere or if something like that happens, we have to find some type of care. I'm confused. Why does that matter? I'm not telling you to go on vacation. Well, just sort of like living, we have to be home by a certain time to make sure that the dogs are fed, make sure we're fed. Good. You guys make good income.

Well, yeah, but as far as like living. It's probably your spending that you got you into debt. What's the living weird situation? Okay, I don't see a mortgage in here, but I do see $133,7, $134.81 cents of debt. What the fuck? You're going to know this. Oh, I know it was a lot. I didn't know that. You didn't know. What did you think the debt was? Well, I didn't know the exact number. I knew that we were...

What did you... Who's bringing the majority of this? That's probably me. So we just got married a month ago. How long have you guys been seeing each other? Because lesbians... Tends are... Yeah, fast and furious.

Go ahead. We weren't that fast. We were together for two and a half years. That's actually pretty substantial. Yeah. For us. How did you guys meet? We actually worked together.

together. We worked at the same restaurant. I ended up going to a different restaurant, but I was management and she was bartending. Okay. Why did you feel like you immediately had to preemptively defend that? I know there's a lot of stuff on the internet about power dynamics and taking advantage. Yeah, but they don't know what the fuck they're talking about. Yeah, yes, you're right, but. So I know when no one listens to them, it's like 1% of the internet that is very loud. That's fair. I just did, I wanted to get ahead of that before it came and bit anybody in the So what are we doing? What are we talking about? I think our ultimate goal here is just to get out of the debt that we're in and start working towards having a family.

Kids? Yeah, kids. And I think the ultimate way to do that is IVF. Oh, yeah. Yeah. I mean, we've talked about it, but there hasn't been like a set plan. So who's getting pregnant? I would like to try first off because I'm older in age and I would love to carry one of our children.

So we have really... That's not a weird reaction. There's like a big, I wouldn't say issue, but like I feel like between the two of us, it would make more sense for me to do it. But she definitely, I'm younger. I have both working. So biologically, physically, I wouldn't say mentally and emotionally because she definitely has that more than I do. But it just, my body would.

Is this a disagreement in the marriage? No, no, not a disagreement. No. I just, I want her to try. Yeah, I understand. that biologically it would be more difficult, but that's why I want to get out of debt quicker so I can try before I'm 75 years old. Have you spoken?

Do you know you can? No, we don't know. We haven't looked at far into it because all of that takes money and we obviously don't know how to spend ours correctly. Okay. Because it's less of an age thing, but, you know, just sometimes health-wise. Right. Mm-hmm.

It can be a lot harder. Yeah. Which, I mean, I think once we start working. towards it and we know that it's like within hands reach, I think we'll start making the steps to go forward with that and get ourselves physically checked out. But right now we're just not in that standpoint. So you've wanted a kid for a while, maybe? 32? Yeah. I mean, I've wanted to be a mom. When we decided we wanted to get a kid. I think we kind of just naturally, whenever we first started dating, kind of brought it up, talked about it a little bit. But now that we're actually married,

it's like we just feel like that's the normal, like natural next up is to start a family. Yeah, Her, since she's 10 years older than me, like, she made it to point, like, I'm ready to settle down and I'm ready to get. Are we nervous about the 50% divorce rate for lesbian couples? It is the highest in the country. And I have had, for some reason, gay dudes don't want to come on the show. I don't know why. But now gay women, okay. Seems to be a common occurrence on financial audit.

Sure. Why not? most I've had have all had previous marriages. Yeah, that's funny you say. Yeah. So which one, I would assume you. No, you would assume wrong. I was engaged prior to this, but not married.

But you were engaged? I was, yes. Does that mean you were married? Yeah, I was. I started dating this dude my senior of high school. He had already signed a contract to join the military. Yeah, whatever. Whatever.

Okay, cool. So anyways, so of course I fell into that trap. My parents were like, nah, if that's what you want to do, you can do it, but you're going to do it by yourself. So he went through his training, AIT, and got stationed in Texas. So that's why I ended up here. And it didn't really work out. It kind of sucked. So you got married at 18?

I got married at 19. You were married for a year? Yeah. I don't think I was married for a full year. It wasn't a full year you got a divorce. How did you decide to leave? I met. Are you serious?

You guys kicked it off while you were married? Oh, it started out platonically. It started out platonically. It really did. It really didn't turn into something until I was like, okay, I think I'm ready to leave. Yeah, but you were ready to leave and then you were immediately kicking into this, meaning that we were there. Yeah, I mean, mentally. Yeah.

But I was also. Every single fucking time. I was mentally ready to leave for a while, though. You were married for less than a year. Yeah, well, it doesn't take much to learn from how that guy was because he didn't want to combined finances. He didn't want to do anything together. He never wanted to make it better. Well, of course

there was a fake face put on before I realized that he was kind of a pretty person. Especially going into the military. Day more than six months before getting married. Of course I was, but I was also pressured into being married because of the financial aspect that comes from

being married. Into this relationship or the other one? No, the previous relationship. Okay. Because they get the allowance and stuff. Do we feel pressured in Did we feel pressured on either side to get married in this relationship? No. No. Okay.

I mean, that's why we dated for a fool two years before deciding to get married. So what's our disagreement? What's our thoughts on money? Because there's always something here with the couple. You guys are here. Obviously, the finances are fucked. We just read off the number. We're bringing into the marriage bad debt on both sides.

What are these conversations around money that you guys are having? Do you want to tackle that one? Um, just recently, I actually started watching you maybe a month ago. So I feel like I've been trying to get my head on straight. And especially, you know, being a little older, I just want to get her on the same page as me. And I feel like we're just... What are the conversations, though, that you guys are having? I think the conversations include her saying, hey, we should get our finances taken care of.

And I'm like, yeah, yeah, yeah. And then I just keep doing exactly what I was doing before. If you're able to acknowledge us, why? Um... Probably because I don't think I was financially ready to be there. I think I was stuck in the... To be where? To be in the same headspace as her. And why are we married?

Because finances are one of the leading causes of her divorce. You're already in the highest divorce category. So why do we seal the knot, tie the knot, if we're not on the same page for one of the most important things? Because I think it was mainly because I wanted to achieve what she wanted. So I think I wanted to get there quicker, but I needed to be on the same page as her to get there, if that makes sense. So I'm trying to go, go, go and get where she wants to be, but I'm also stuck in my old habits. And I think that ceiling. What are you doing to change it?

Are you changing because you could put in some effort and change? I could. Yeah, I completely agree. So what are we doing then? What are we doing? Spending like we have money to spend whenever we do. So you too. I feel like it's more from her because I am trying to.

to get my shit together, but it's kind of difficult. But you can't. It's just one half. Yeah, whenever I get home in, there's Amazon packages sitting on the front door and stuff. So it's a little kind of like out of left field just coming home and seeing more stuff. We don't need whenever she says, yeah, we'll fix it. Do you guys not discuss? Not purchases. And I think it was, I think.

Everything. I think it was a lot harder because our finances were separated. So, like, I can't hold my, like, I can't hold myself account. I just don't have, I can't. I can't. Like, I just don't know how. What do they look like? I mean, I really haven't attempted.

I just haven't even tried to do it, I guess. But holding myself accountable is really difficult with my own bank account. So I know that like if maybe I had the same, if I had a second person on there, it would hold me more accountable because I knew that it wouldn't be just my money. It would be our money. Okay. So in the conversation around money, you. earn a little more, you earn a little less. But again, we are not making bad income for the household.

What is the relationship with deciding where money goes specifically? I know we don't talk about purchases specifically, but where's the conversation about what we're doing, what goals we have, what actions we have to put in together to do it? I think we're so... I have notes that even though I don't really care because you guys are adults, I don't give a fuck that you're 10 years apart. Some of my grandparents. I don't care.

but it's like we have notes that you told the producer that you struggle with the age gap because I've had how many years ahead of her that I am like we are fixing this now dude you're two years older than me do not make me feel old what the fuck you're doing but also like I kind of feel like a little bit that kind of made me a little mad because like you're 10 years older than me but we're still in the same boat like we both still have credit card debt and a car loan and student loans and all this stuff other stuff and I'm just like, you might be 10 years older than me, but we're also still in the same boat, you know? I feel like right now in this period of time, I want to get it together right now.

And I feel like maybe she thinks, well, you have 10 years on me, so I still have time to figure it out to get to how old you are to figure it out. Even, like, I'm just trying to push it as much as I can right now. So she doesn't end up 32 and 100 and however much money you said we are in debt. But why did you specifically bring up then that we struggle with the age gap? Because you brought this up in the pre-conversation. I don't know. I think that I wouldn't say it's much of a struggle. I think it's just I don't even want to call it a setback because it's not a setback.

It's just I just feel like I need to play catch up with her because we are like we're always going to be 10 years apart. But I feel like I'm constantly having to play ketchup just to get like where she's. She wants me to be, if that makes sense. I don't want you to play catch up. I want you to be ahead of me. I want to catch up to you because I'm so far behind. I want you to do better so I can be better with you and for you. Well, I think because instead of you, like me succeeding you,

why can't we just like meet in the middle and then start succeeding together? I want to get there eventually, but since there is the gap that you should be better than me because I know I have to play catch up to be even. somewhat stable. Why is it you calling out her for needing to better? Is that her needing to get better so you can get better? That's the weird part to me. I'm not trying.

That seems like some weird kind of bullshit reflection in my opinion. Yeah. A little bit. I don't mean it to come off as deflection. I just mean if she is starting to do right at 22, that I have to catch up to get even because. What is this competition thing? I'm so confused.

No, I don't think it's a competition. It's just I want the best. Like we're married. We're together. Right. We're doing this as a pair to get up. Then you're also kind of acting like you're better, honestly. Yeah.

Oh, cool. I don't think I'm better because I'm in just as much. No, they have your shit together a bit more. Bare. Not like a better person. Oh, man. Take a look at those statements and we'll figure out if I have my shit together because I don't. Not even close.

There's still your languages. Okay. Just so your language. Okay. No, I mean, I just, I know this is a partnership, but I want her to do better than me. So she's not at. I'm so confused though. Aren't we doing everything together?

Isn't that the point? Yeah. Right, right. But I don't want her to be 30. I don't want her. I don't want us both to be 10 years from now and still in this. I want her to be at my age and we're not even close to this. Okay.

I mean, I can vibe with that. And if we're trying to have kids and IVF, It's definitely not cheap as well. I know there's some international options, but even still, how many kids are we trying to have? She wants 72. Okay, that's what that's a lot. Like three. Yeah.

Three? Okay, I guess we are on the same page. Are we swifts often each time? Like, boom, boom, boom. I don't think so. No, I would love to have a large family, but I. Well, how are we divv in and out? Who's?

I want her to give her to try the first time. And if it succeeds, then hell yeah. We'll go for another one. But the second one, I don't want to put her body at stress. I don't want to do anything more than what it needs to be. Isn't it like 300,000 hours in kids for IVF loan? That's ridiculous.

It's like crazy. Yeah. Yeah, I mean. How are we, but we're over 100,000 hours in bad debt? Yeah. And we're not. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179 like the next grill three burner gas grill.

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okay, this is where we want to get. We want to get to IVF, right? But like how to get there, it's like you don't seem you're ready to compromise on your lifestyle. But you want her to be better off than you are at your age when she's that age. And I get that. How do we get through these goals, though, if we're not kind of aligned?

Like, you want to push her to do better, but you're not really changing anything. I don't think that it's not that I'm willing to compromise. So I graduated a year ago, okay? It took me four months to get a job and even then it took one. Well, I don't want to say one in case somebody sees this. It's not bad. It's just I can definitely succeed further and further. but my job that I'm in

and the career field that I'm in I have to have... The child doesn't matter though. Income doesn't matter. People can be the highest income earning people in the world and be financially fucked. It depends where your money goes.

You're talking about your behavior at the beginning when you... When I first got this job, I was obviously in student debt. I had six months to start paying it or to... I had a six-month leniency period and I was just figuring out

how to actually live off of a decent income because before that I was just bartending. and it was like paid it daily and now here I am trying to figure out how to survive off of a two week like pay period if that makes sense so switching from that to

so like instead so you guys do not punch it to be very clear because that I mean that's the immediate solved to that if we're trying to get better why have we not put in any of the actions that we know historically across the board works for people

that's like step number one yeah learn where our money goes yeah well we know that our bills are paid Yeah, honestly, when most people say that, though, I go through and that it's typically not. Yeah, the bills aren't paid, yeah. They are paid, I'm sorry. Ars are paid. Yeah, ours are paid.

There shouldn't be late fees either. They're actually paid all the time. I don't know. I feel like people never know. Don't speak for both of us. I don't know. Are our finances separate? Because you were separate from your ex-husband, 22.

Not anymore. As of a couple weeks ago, we started putting both of our paychecks into one account. Okay, but where's it going with all the extra credit cards and stuff that we have access to it? Are we authorized users? Do we review statements together? What are we doing? Because that's where a lot to spending and stuff is, too. That's where payments have to be made.

Right. Guys, we know what comes in, right? We know what comes in. So 1,100. What was spent last month across both people? Or combined, so we should know. It's great. No, last month we weren't combined.

Well, we're combined our statements. You can take a look back. We should know. We should be able to, if we've been combined these last two weeks, let's see what we spent the last two weeks and just double that. That's probably pretty similar. So let's see. What do we spend last month?

What do you think? Both combined, including on debt. Probably about $100 less than way made. Okay. What? So it'd be about $7,000. Yeah, I would say probably about that. And you?

No, I would say probably like, wait, last month. Oh, no. I would say closer to nine. Why? Because we had a baby shower and I spent a butt ton of money. No, no, not our baby shower, a friend's baby shower. Wait, he's spent $2,000 or $1? No, I'm not saying that.

I'm just saying when I had my personal checking account, I was spending significantly more than what I'm spending in the last two weeks since we joined together. And you're just not aware of this? I feel like I'm going to care, but I'm at the point where she's an adult and she's going to swipe her card regardless. No, she's your wife and you guys are in this as a partnership. And she thinks she spends $2,000 spent $2,000 more in the month than you think you guys did.

She swipes your card That's what she does Yeah she like she sees something shiny She swipes the card So fresh into a marriage And we don't communicate Solid Yeah

To that's time Yeah Okay So how much do we spend $9,257 And 97 cents I was close Yeah you win

You're f*** Yeah Okay Okay I don't 9,200 you said 257 That's ridiculous

How I I got two bonuses last month. Yeah, it still should be on the coming in. They push you to $8,000 as a household. Good God. Bonuses push you to $8,000 from $7,100. Still perfect.

A thousand of it. But half of that was Lauren. If we're not communicating about finances, when bills come due, when things are forced to be taken out, how do we communicate on where money, goes. Let's talk about student loans. I know it's something we all avoid talking about, but if your private stolen loans are crushing you, why refi might be exactly what you need. They don't rely on

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you further into it. Check them out at yrefi.com slash hammer. That is y-R-E-F-Y-Y-F-Y.com slash hammer or call AAA-973-3978. That is AAA 973-3978. Break free from the high interest trap and get your finances under control once and for all. I don't really think we talk too much about it besides the bills coming up and we got to pay it, you know, and I just started this new job like a month ago. So for a better part of the last like three or four months, she's been covering a lot of the bills because my job before this was terrible. What are you making? So you've been the breadwinner. But for a while there, whenever we were living together the first year, I was still in school. So it was very limited on what hours that could work. So there's been

So how are we dealing with shit? Why weren't you going out and killing making more money? The job, the job. So you get a job. I did. I looked for. job the entire time. You pick up a second job. I know the dogs got to get home, but we already have one person. I did. Not if I'm working and going to school.

I'm going to school for clinicals from 7.30 in the morning to 4 p.m. And I'm working. And I'm working. $12 an hour remote. And I'm, oh, God. That's so hard. How am I supposed to take a call at the same time?

You're paying bills. And I was talking about her. Oh, okay. Sorry. Yeah, I was working at, I was working for the Spurs. I can say that. I was working for.

the Spurs and I only worked whenever they had games or concerts and it was just so few. So we definitely get a different job. That's not even a question. Yeah. I did look. I put in probably about 300 applications during the two months I was here. How did you feel that the person that was maybe at that time, 21, well, you were like 31, was taking care of all your bills?

Oh, I feel like. Not all the bills. It so made me feel like there's, I don't want to rely on her to just live. But, I mean, that's where we were in life. So that's what happened. Now, I asked you guys earlier about feeling pressure to be married and stuff like that, but I specifically have notes that you guys told the producers that Carrie rushed Trisha into getting married. When we first started dating, you were like, I want this, this and this by this time.

And I was like, oh, I got to put it together. I got to put it together. So you're telling people I'm rushing you because I had a timeline from my life? No. Maybe a little bit. I don't know. I wouldn't say that I felt rushed, but I'm just saying like, did feel like it was in times two speed.

I'm going to go three, two, one, go. On go. I want what you think your combined financial score is. Okay, at the same time. Zero being the worst, 10 being the best. Three, two, one. Point five. Okay, so pretty close.

If you guys want to see where your finances are, take our assessment, go to Calebhammer.com, or click that link in the description below. Remember, if you don't want to be like a guest on this show, all you have to do is download my budgeting app. Sign up for the annual version. I will send you our budget friend. the cookbook and budget notebook that cannot be purchased anywhere else.

I'll sign it and I'll send it directly to you. You can also come on the show by going to Calebhammer.com, so you apply. All right, so we're trying to get the baby mode. But what the fuck you writing down? Whatever you write down, Caleb. You write down, so I'm going to write down. You wrote OS. Yeah, no, that's a five.

O-5. I put my hammer score, and then I'm going to put her hammer score, and then I just want to take some notes. Ok-nooks. Okay. K Jewelers. Yep, that's me. Wedding. Ring?

Yeah, ring. It's pretty, right? Custom. I picked it out. Okay. I don't get it. I've never understood it. They all look identical to me. We didn't spend any money on an actual wedding,

so we spent money on our rings. Okay. Well, I guess at least you can resell that, unlike... I would never resell that. Of course, unless it blows up in a horrendous divorce. In about six months. No. Six months.

I don't think that I'm going off of averages. Okay, so Kjewers, we got a balance of... This doesn't make any fucking sense. We have a balance of $5,172 in 91 cents. Oh my fuck. Do you even know what happened on here? Yes, I know what happened. Why did you allow this?

I didn't have the income to pay at all. Then why would you fucking do it? Because... Ring pop. Like, you get it when you can get it. Listen, this is what... Is this all stacked up deferred interest and it just hit? Yeah.

That's fucking insane. It was a $3,724.69 balance making our minimum fee payments. Then deferred interest of $1,590,22 hit all at once, which pushed the balance to $5,172.99. Right. I didn't know. Over the credit limit of $4,200. You did not know. I didn't know that it was deferred interest and that it already hit.

She told me it was on zero interest, but I didn't know if it was deferred or when it was. Why would she not know? Oh, my gosh. Yes, there was no interest temporarily. I guess that's what I had told her, but I knew that there was going to be an interest coming up in 18 months. I think it was 18 months. Yeah. How long does this take to pay off?

Just making minimum payments. No purchasing, which you can't because it's gone, yeah. 15 years? 16. Oh, I was pretty close. It would be 16. Yeah. Guess what?

She'll be out of IVF zone by then. Yeah. You'll be approaching. Hey. Yeah, I mean, you're not wrong. Yeah. Yeah. Welcome to math.

So, what's more important? Ring or having the kids? Because obviously we chose ring and not actually paying it off. I would like for the kids to be more important, but, well, the interest is already hit. How do we get the money for your ring? Because you spent all that on her ring. How do we afford this ring?

I bought that ring. Okay. With money. Money that I had saved. What the fuck is at all? So instead of actually putting it towards a future, we got it towards a ring. Well, I mean, she needs a ring. Also, why do I note that your mom gave you money for a ring?

Shit. I have, I know your guys is reality. I don't know why you try to lie. I had two thirds of it saved since she gave me $1,000, and I bought the ring. How much were you guys' rings? Hers was like $3,300. I don't know how much hers was.

Whatever the first purchase was... Was this all the ring? Yeah. Well, that was also... We got our wedding bands on that too. Yeah. So there's been three purchased. Well, technically two, but three items purchased on the car.

$194 minimum monthly payment. Yeah, it just went up. Yeah, because you weren't responsible. Yeah. Are we ever going to be able to get anywhere if... we're not responsible together. Like, we're both irresponsible on this. Like, you wouldn't communicate about it.

And it's just like, and then you just let it go. Like, I don't know what to do. What are we going to get? I think once we hold each other accountable a little bit more. With the joint account. That's it? Yeah. But that's all of my income going there.

Okay, tell me how we're holding each other accountable. I know that if I spend something on that money or on that card, she's going to look and she's going to see it. She's going to look. She's going to look. She says what the... No, I say what the fuck. No, and we just...

That's how these conversations go. That's our groundbreaking solution. Okay, she does not actually say what the fuck. She's actually a lot nicer than that. But she does say, hey, why are we? We're not planning. We're not going through on a monthly basis. We're not laying down everything.

Seeing where money went, discussing that. Talking about what we need to adjust for the next month in order to get to our goal. Here's our goal. What it does it take to get to the goal of these steps? How do we get to these steps? Not as up to this point. Okay.

So obviously that, I mean, that's not a method that's going to work. He's like, hey, you just got an answer. Amazon? And it's just like, okay. And then that conversation's done. Right. I guess. Yeah. Yeah, because I just see it. I see it. And I see that money came out. And I'm like, what, what is this? And then she tells me what it is? And there's hard to push back. I just, I want her to be happy. So I don't, I'm not like, hey, stop doing that. So what is it? Because you're, you're not wanting to do it out of fear and you're not wanting to push back out of her not being happy. So what the f-this? This doesn't sound like a method that works in my opinion. And also just like the fear base. Like it's like the negative reinforcement that should be experienced that you'd be experiencing. That's not actually going to change your behavior.

It's like you have dogs. It's like having their whole training be fear based. That's not going to work. You want to change behavior. You want to change behavior. Well, I guess I never really was like shown how to budget. None of us were. Oh my God.

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This is a no-brainer. Dollarwise.com. Let's fucking go. I don't. It was hard for me because it's hard for everyone. I guess. Yes. Were you taught how to budget?

No. No one was. I wasn't. These bulls weren't. Mm-hmm. And at what age did you figure it out? Just curious. Just about your age.

22? 22. I started to get into it. Okay. Cool. So I'm right on track then. If you actually turn it around because most people don't is the thing. That's the issue.

Because I'm old and I don't have mine together. Yeah, but I didn't know about Caleb Hammer whenever. I mean, sorry. You didn't know about Caleb Hammer. You did exist. You did exist. You all the same age. Sorry, you're not.

The channel didn't exist. The channel didn't exist. Mm-hmm. Yeah. But I mean, I'm sure there was someone similar at her, if she was my age. Dave Ramsey, I guess. Yeah. Yeah, he just talks to people who have millions of dollars.

So what's the, I see his clips on YouTube all that. Oh, you have $5.5.5 million. I mean, that's just like a segment, I think. My parents watch Dave Ramsey. Not that I want to be like my parents, but like. As long as you parents. They suck. They're not very supportive of us.

That's kind of why. Flap on Flap? Yeah, flap on Flap. Why are you gay? Yeah, she got divorced and they're by, they're Bible thumpers. So she got divorced. So that was automatically strike one and now I'm a girl. So that's like strike eight.

Yeah. My parents are like super biblical. They're homesteaders. They live off their land. My siblings are homesestined. schooled. We don't want to be like them anyway because that's nasty. I mean, I want to be financially successful like them, but I don't want to be anything like.

I don't give what anyone does is get your money in shape. Right. Okay. I don't care who anyone is. Get together. Mm-hmm. That's my philosophy. Okay.

Okay. All right. Well, this is horrendous and it's at a 31.24% interest rate of death. Not the worst one. It's crazy. Okay. Home Depot. What's this?

Is this attached? I'm sorry. Is this attached to cage rulers here? This one? Yes. Okay. The Home Depot card I opened whenever we moved in together and I bought a washer and dryer for us.

Listen, I'm not advocating for renting over purchasing over the long term, but the thing is that my first year down here, my first two years down here when I was trying to pay off debt, it made more sense than blowing a few hundred bucks on use or a few thousand on new. I just rented water. washing and dryer. And it made sense that those services are everywhere. I know they exist in San Antonio. Yeah, but that'll last us forever.

Yes, but you didn't have the money to get this. And now it's on a card that is accruing $32 to $21.21 cents in interest. You're paying fees. You're paying an interest on this what I paid in monthly rent just for my units. And then I... 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 oceanfront 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 the stay. Didn't have to pay back $1,5005. But you had to give it back after you were done, right? Yeah, but that's ours.

I mean, we don't. And then you can sell it. years for probably like $400 because no one wants your nasty-ass used washing machine. Yeah, so I don't want someone else nasty-sused washing machine either. But I didn't say get used. I said maybe we rent. Well, aren't there rented used? Yeah, but are they probably cleaned it a bit better.

Yeah, but we got it. Maybe I don't know. I use it. I'm okay. I don't have AIDS. I mean, I guess that's true, but we don't have AIDS either because we got a new washer and dryer. Yeah, we got a new one. Also, that one has a lot of plant stuff on it, too.

the Home Depot card. I need a hobby, right? Sure. Not one where you're spending endless amount of money that we can't pay off for budget into a checking account. I mean, just you can get hobbies that don't require

all that. $1,500, $5.63 on a $1,700 limit. Yeah, I mean, they're telling me you spend at least $4 to $500 hours. And your little collections.

You're a little, playing collections. It's pretty cute. I'm sure it's cute. And so it's all the interest rate. And so it's not having a kid because you guys aren't even close. Yeah. But it's also...

Who wants a kid more? Are we equally in this? I would say that she wants a kid more, but I'm pretty close to being cool with her. Pretty close to it being cool. Oh, you're not there. No, equal. Pretty close to being equally excited. Okay.

Or ready. I think I'm just more ready because I know that I would like to carry our first child. So I feel like I'm more so ready because I know that the window is closing. Not meant to be an insulting thing, just a biological thing. But aren't you going to have to lose a decent amount of weight? Yeah, probably. Okay. I have to like start that today, though.

I haven't. What have you lost over how long? The last like six months, I've lost like 30 pounds. Okay, that's good. I'm getting there. Very good. Try my best. Okay.

Yeah, but you're not doing it in a healthy way. Anyways, can we go on with the cart? What? She doesn't eat. She eats like maybe once a day. You'll bounce back. I've done that. I've yo-yoed.

You'll bounce back. Just working in restaurants all that time. Unsustainable. Yeah. Like you will bounce back. You will fall into old habits. That's supposed to have like I've lost 40, gain 40, lost 40, gain 40. This just happens.

And I did like the starvation diet too. It does not work. I'm not purposely starving myself. I just since I work in a restaurant, I'm around food all day. Just the thought of eating it makes me nauseous. Okay. We've had a late fee on this car. this year. Guys, this year.

See, what did you say at the beginning? What the fuck did you say at the beginning? Yeah, they said that there was no late fees. Yeah. I told you this always happens. I didn't take account of the fucking time. This happens every fucking time. I can't believe anyone that is on this show, unfortunately, anymore, but basically anything at this point.

Every fucking time. I didn't know that that was leaking. No, shit. That's why you say. said it. Or you're a line, but this is better. I'd rather have ignorance. $136.533. of interest accrued this year so far. Oh, I thought that was the late fee. Huh? I thought you were telling us a slate fee. Okay. So what the f-why do you think that happened? I don't know. I don't like putting it on

auto pay. There's just something about it that just makes me nervous. So I just go in and do it myself. So I guess I overlooked it. Okay. All right. Everything's on auto- now? Nothing's on auto pay. Why is nothing on auto pay now? After clear, well, you didn't know this was happening until right now. Why are things not on auto pay? What's the philosophy? I don't know. I just, there's something about it just makes me

anxious, so I just don't do it. What? Do you guys have not enough money in the checking account ever? Sometimes. Why? You guys make money. I don't know how to budget. That's not just about budget. Even if you're not budgeting, you know not to go swipe with the bullshit. I mean, I've gotten a lot better at that. but I'm not going to lie.

That's in a, just like everyone says they never have a late payment, and then I find a late payment. Everyone says, I've gotten better. Then they're not. I just saw a $2,000 spend more than it came in last month. Yeah. 3,000 more than normal. So I don't give a f***. That's not true.

Bullshunding, basically $900. Holy shit. I'm sorry, that's not spending. That's just going out to eat. What? Good, far. Oh, see? Extra mislilings bullshit.

Basically $500. Okay, but the $500. was her baby child. Other large purchases, 1400. Large purchases, as in what? Large purchases, let's see. Large doesn't mean miscellaneous, but it just kind of uncategorized.

Unknown withdrawal 1350. Oh, that's bills. Okay, it was an unknown. And then turbotax, 84 bucks, uncategorized. Miscellaneous bullshit, that's like American Eagle, overdraft protection. That's my fault. Did you know this?

No. Overdraft protection? So you're overdrafting on your checking account? Yes, I didn't know that one. But it's because I have, it's because of the stupid pest control company that I agreed on and I accidentally signed. I didn't accidentally. I just didn't know about it. They locked on my door and they were like, hey, we can do this for this.

And I was like, okay, sure, yeah, we have bugs. Let's do it. And it ended up being a year and a half contract. You actually got sold by a fucking knock on the door pest control person. Yeah. I never almost shot people with paintball guns more than those people. If Carrie was home, she would have said no, but I was by myself. Maybe we shouldn't allow age gaps.

You have the mind of a 16-year-old. Not. Maybe in finances. Huh? Maybe in finances. Maybe in finances I have a 16-year-old mind. Yeah, she signed a year-long contract, so it takes money every month. And you overdrafts because of it?

I forgot about it. A courtesy pay fee. What's that? Well, we will see. Old Navy, TikTok Shop Academy, Sports, Pop. shop, miscellaneous spending Quizlet and Apple stuff. Did you buy...

Miscellaneous bullshit. So we're talking just both guaranteed. Did you buy Quizlet? Yeah, I bought... Guaranteed bullshit. A thousand, two hundred. And there's probably a lot more. But I think, I feel like... Oh, and then subscriptions.

We have ID. Protect. Netflix, Spotify, Disney Plus, Acorns. That doesn't seem like a lot of subscriptions. Of... Your phone. Yeah. What do you want me to pull up? I want you to open it. Okay.

Okay. See? She's more brave. Yeah, I don't care. Nothing on there. You have second try, which removes monthly. I don't know what that is. What is that? The try guys? It's a YouTube. But our membership is so much better. I guarantee you our content is higher quality and more more content as well. Okay. Most because YouTube told us that themselves. HSP premium?

Yeah, heart starts pounding. Those are podcasts. For sake. Again, wrong one. And then ICloud Plus, oh no media Oh, that's a good one No, you can't make that face because their shit is good Yeah, there's content's good They have three separate podcasts It's all about like murders and stuff

Yeah, good stuff Thrilling. Planta? Yeah, I don't pay for that one anymore Okay If I needed it for my plants, for my hobby If I go through your guys' text message conversations in the post show Is it all, they're going to be lesbian fights?

No, no, we actually don't fight that much And if we do, we just like sit down and speak like normal adults. We'll see. Okay. A lot of it is probably just me complaining about my job. And you have Chardney's family party game. Huh?

Char. Char. Char dez? Charades? Oh, my. Are you okay? Is that a stroke? Can we just read?

Oh, my gosh. I am not proud of that one. I have it. I don't pay for that. It says we're I stopped paying for that by the way I'm not known for being able to read well Oh my God, that was funny

Wait, so is that the only thing on there for me? Yeah. Charades. Yeah. Okay. Tridays. Okay, discover it. What's that?

Mine. Okay, what's going on with this? It's bad. It's purchasing on a card that is a criminal interest that is over the credit limit. Did you know that? Yeah.

Yeah. It's over the credit limit. I just found out like a couple nights ago that she was still charging stuff. Tell me, how'd that conversation go? Why? Why did it even happen? Because you're coming on the show and it's about to be exposed. Yeah, that's exactly what it was. We were coming on the show about to be exposed. And I said, do you even spend on your credit cards? And she said, honestly, I looked at that one.

Oh, I thought I said no. I definitely thought that because it was maxed out, I didn't have room to spend any money on it. But I guess- Well, you put a little payment that brought it slightly under the new spent and that interest hit and now you're over. Yep. She's $125 and $93 over the credit limit. $146 minimum fee payment. Again, $190 of purchases, while $125,999.9 cents of interest is accruing. Why the fuck? Regardless of maxed out or not, why are we purchasing our card that we cannot pay off and that interest is accruing?

Because I didn't have the money in my checking account. Then why are we spending it? Because I'm not good at meal prepping. That's a large majority of what that is. Well, you have a significant other as well, who, by the way, you know, does cooking things. Right, but as soon as she gets home from work, she's tired from cooking at work, so she doesn't want to cook at home. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Webel is offering up to a 3.5% match when you

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It just sounded like lazy. Yeah, I get speed at work every day. Yeah, I also get speed at work every day. It's not the same concept, but it is similar to a similar. feeding. I just don't want to cook whenever I've been cooking all day. Yeah, but we have to because we don't have money. We just saw that, what was it, 800 hours going out to eating in a month? Or 900, I don't remember.

Which is honestly, like, a real eye-opener because we, I know that we don't really have a budget, but we kind of eyeballed it, and we thought about doing- Oh, your credit's 543. No. You said you're discovery. My credit is not 543. It says this is your credit. There's a copy of my credit.

credit report. It's bad. It's worse? It's not 540. It's worse. It's lower than 543. It's bad. Oh my God. What is that? But it's because What is it? 474. It's because my student loans hit. We're not going to get a house together? Maybe. I mean, that would be nice. If we want to get a kid, sometimes

we want to get a house with it. That's classic America. Yeah. Not with that. I know. I know. And not with this debt to income for either. Agreed. But it's, my student loans hit my account. None of these are necessary purchases. No. Nope. So this wasn't because I didn't have enough money in my account.

There's the American Eagles. Subway, Nora Snacks, Dunkin' Donuts or Baskin Robbins, Nora, snacks, Starbucks, the liquor store, McDonald's. Going in and getting some bullshit. Going in and getting some BS, Starbucks, McDonald's, McDonald's. Oh, late fee this year. This year? Oh, my.

Guys, what is wrong with you? You have reasonable, reasonable, you have a reasonable. reasonable you have a reasonable aura surrounding you when you talk in this conversation but then you don't put no fucking anything I think we're just

I'm ignorant to a lot of her spending and I'm assuming she's ignorant to a lot of my spending and but give us a little bit of grace because we are freshly married so we just combine our finances. That doesn't matter you should have been making a fucking minimum

monthly payment. I mean I agree that's that that has nothing to fresh marriage. Yeah, but of course we're ignorant to each other's finances because we didn't. No, you're ignorant to your own. Oh, well, that's, I never said I didn't have a late fee, though. I never said that. But still, you didn't know you had this.

Oh, yeah, you're right. I mean, I get it. I didn't, I thought that I made all my payments online credit comments. You don't do auto pay either. Credit card, no. Well, you don't have like the missed payment. You were late. Oh, well, that's not.

Did I get a fee? Yes. Late is where it hits. Or missed payments where it hits your credit. Oh, okay. That's the way I didn't sit there for a bit. Gotcha. Glad we cleared that.

I didn't know that. I didn't know the difference. I thought late fees hit my credit karma as well, not just a miss payment. Also, credit caramel is not perfect. No. So what are we doing? This is Norris snacks and Dunkin' Donuts and all this shit. It's so much bullshit bending.

I know. And it's while I'm on the road at work. I don't ever just leave my house to go to Norris. Pack a fucking sandwich. But you guys are women. Oh, so we should be in the kitchen? Let's be a little sexist real quick. Okay.

Okay. Yep. We should be in the kitchen. I don't always have a refrigerator or microwave access to me. Guys, we have a kitchen here if you guys want to touch it on your way out. Oh, cute. I was already in there. Thank you.

Oh, classic. So first place they win. There's not always a microwave or a kitchen available to me, so it's hard to pack something. No, sandwiches. No, no, no, that's cool, cooler. Oh, yeah. The ice packs. I do.

She actually bought multiple lunchbox. Then it's not a very good one. Yeah, it's not a good one. They get a better one. She just keeps buying lunchboxes. Actually? Yeah, I'm on like my third lunchbox. What are you doing?

I feel like I just never have enough room. No, she just likes to spend money so she sees a lunchbox that's cute, so she spends money on it. I actually bought one that included containers and a lunchbox for a cheaper price. And you equally use none of them? Yes, I do. Well, then why, what is all this then? I can't pack a coffee in a lunchbox. You can do it in a thermos.

Yeah, but I like my stuff cold, not hot. Then make it cold in a thermos. What do you think a thermos does? It maintains temperature, you dumb tits. The cold, I don't like watered down coffee. And the thermos always keeps it cold, yes, but the water from the ice. Then put a non-melting little ice pack in there. In my coffee?

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Restrictions apply A little thing you know It's like plastic frozen with water inside It doesn't melt The woman was too stunned to speak I don't know what it's called But we know what I'm talking about right guys Like a reusable ice cube

Yeah like that kind of Come on like a little ball You get the plastic Some people put it in their whiskey When they don't want it to water it down Oh my fuck I was unaware I didn't know those existed

You're obsessed. Aren't you guys like obsessed with Amazon? Like just look things up. I wouldn't say obsessed with Amazon. We really don't go crazy on Amazon. She pulled that or she brought that out of her butthole, but she didn't. It's not like we go crazy on Amazon. We don't spend hundreds and hundreds of dollars a month.

So how long do you guys think you're going to stay married? Forever and ever. Forever? Yeah. 27.24% interest rate on here. It's a little bit better than the case. Oh. That you're going to need that to me.

Huh? Then what? The case, the K-juler card. The other card. It's 31%. Apple card, who's this? Mine. What's going on?

I opened that a card originally, like five or six years ago, and I bought an iPad. Yeah, I don't use it. No one uses their iPads except for... Yeah. But I opened it, and I had a line of credit, and my... Life kind of went sideways, so I maxed it out. A lesbian breakup? Yep, lesbian breakup.

I moved out of the house, and she took all the furniture and everything, and I was stuck paying two months of rent somewhere I wasn't living. Then I couched her for six years. Six months, excuse me. I've just kind of been in a hole that I have not tried to get out of. Not tried? I mean, monthly minimums, but I... Yeah, it's going to take 10 years.

Yeah. Before already, too. Mm-hmm. I haven't, like, sat down and been like, I'm getting out of this now until recently. Yeah, but then you guys haven't done anything. You still spend. You discussed, well, let's get out of this. And then you still spend more than you brought in.

Yeah, I agree. We need to sit down and have a conversation. But I said you guys already did. It's just just said. Yeah, we talked about getting out of it, but it's not like we set up a plan. We haven't set up a plan. What's the point of talking about getting out of it if we're not doing a action required? Well, it's hard whenever I see her like two times a week because we work opposite schedule.

So it's hard to just sit on a plan. This is the one day off I have a week. This is why you guys have lasted longer than most? Maybe. No, we like each other. I mean, we like each other, but like a lot of the times it is because we only see each other on an hour at a time. Yeah, like Wednesday nights and Sunday nights are the only time we really see each other. That's crazy.

How the fuck are you going to maintain a healthy relationship, honestly? I like her. Like not joking. I know, but how are we going to maintain a healthy relationship? You can like someone and it doesn't have to be healthy. I mean, I don't. Because if you see each other two hours a week, that's brutal. I mean, yeah, it's tough, but it makes those moments more cherishable.

Yeah, but it also makes it impossible for us to have hard conversations because you don't want to spend those limited hours to see together. Which I agree, but like I feel like with our limited amount of seeing each other limits the amount of hard conversations that we have to have. But we need to have the hard conversation now with this. Like what? I mean, yeah, obviously this. What do you think? What show are you on? Do you? Okay.

I just feel like the hard conversations are very limited because we don't. don't see each other. Also, you guys are barely married. But we also don't have the arguments over stuff like that. Because whenever we did sit down, obviously we didn't go into any kind of action plan. But whenever we did sit down to talk about this, it was a very pleasant conversation.

Then it was just like, this is what's going on and we need to fix it. You know, it's interesting. You have the Butch, you have the butch mask one. Thank you. But you have a more feminine voice. You have a more masculine voice. I also have a scratchy throat because I have allergies. So I mean, this isn't not a cold.

I don't normally. I mean, I guess my voice is about the same. I have a very feminine voice. Oh, that's, yeah. 48-dollar minimum fee payment, $1,493,0.19 cents owed on here. No purchases that month. I honestly think I'd be a fantastic lesbian. I'll be completely honest.

I agree. Honestly, you have a very masculine, like a feminine but also masculine. He has a girlfriend. Yeah, he talked. Interesting. Yeah, whenever you yell at her, do you go, I don't know. I don't know.

Oh, not yet. I don't know. Why do you yell at us? Does she have good finances? She guys are dumb. Is she dumb? No. Does she have good finances?

Yeah. Yeah. That was like one of the criteria. Why? I did think about it a bit because I don't, you know, it's not like we replicate this show in every instance in every aspect of lives. Your first date is this? Yeah.

Okay. I don't see. interest accruing. Caleb. What? These papers are stressing me out. Can you like, can we straighten them? Just a little bit.

Like, no, I'm not. No, OCD, maybe. If anything, she's got a little bit on the spectrum. She's agreed to it, though. But I'm just going to. She's agreed to be in on the spectrum? I mean, she agrees that she, I mean, it was her. Like, it was her fault.

She consented to being on the spectrum? I'm confused. Okay. Anyways. I don't know what this is. Oh, Big Lots. Great. Hey, they close, though.

So, big lots closed. Yeah, probably not the bank servicing it, though. No, but I'm just saying that I can't spend any more money on that card because it's closed. It's not available to other stores. No. Oh, they closed the card. They closed. I mean, technically, yeah, because it fell off my credit, but it obviously has to have money on it.

Well, it better be because you're over the credit limit. Yes, the interest just hit on it too. Yeah, but if you make your minimum payment and you never miss a payment, you wouldn't be above the credit limit. That's not how that works mathematically. Wouldn't be above. Yeah. Have I missed a payment on there? Potentially.

I see a fee this year, but it's not very long. But I can't see last year. Oh, we just got that. Yeah, at the end of last year. I bought a couch on it. Sick. Yeah. You know, $1,287.

Minimum of the payment, $46. Mm-hmm. $34 minimum payment made. That's less than the minimum required. Maybe that's why. It just went up. A minimum went up? Yeah.

Why would it go up? The interest just. hit on it. Deferred. Oh, I see it. Oh, I didn't see it. Oh, that's why it's above. It's not because just random interest is accruing. It was deferred interest. This is the second time. Second time you've allowed a card to just have deferred interest hit. Why the fuck are we buying things and not doing the minimum monthly payment required to pay it off before the deferred interest heads? Because I'm okay with zero percent financing things, but you got to be strategic. Well, that one, it was, the payments had to be higher than the low monthly. Yes. That's how it works.

I was unaware of that. You can do math for three seconds. The statement came in my email. It said pay this much. I paid that much. I did not. Why don't you look at things? I don't know.

Do you have any care in life? What do we care about in life for you guys? I'm making sure my bills are paid on time, except the Discover card. The correct bills, though, because also now this has just hit $376 and 17th sense of interest. In my mind, you did not actually have the bills hit. In my mind, the important bills are rent, car, and electric. These are important, but they're not, you know, necessary to live. Now you have to pay more.

Yeah. And if you want to live in a house, they are necessary because they're fucking your credit. Yeah. So I don't understand what you're talking about. Okay. I understand what I'm talking about. Does it sound reasonable? Yeah.

Sounds okay. Do you agree with her take? No, I don't. Because these are bills that we put on ourselves, so they're obviously necessary to pay off. But, I don't know. Yeah, our rent's paid, so I guess that's where she's coming from. And our dogs are fed. Yeah, parts not horribly difficult, but...

It is when you have five dogs. I have two. And I get, like, the best dog food. Oh, wow. I did before I made good money. Like, it's still relatively chill in the grand scheme of bills. Yeah, I guess. Now a big vet visit, that's a different conversation.

but 31.24% interest rate. And now that is consistently accruing. Going forward. Yeah. Because we decided not to get ahead of any of our bills. Oh, what are we doing? There is so much here. All right.

TSC tractor supply. Who's this? That sounds like you. Oh, that's mine. Gaye! Yeah. Uh-huh. The big bitchy lesbian, he asked me.

$958.41. Here, you need mine? No. Minimum monthly payment is $34. Interest is accruing, $24.26. Takes five years to pay off. Okay, what happened? What's this?

That was, it started a while back whenever I was getting my dog food only from there. I haven't spent on it in a long time. What? What is it? What do you think? Is it late? What do you think? Don't say it's a late charge. Oh, it's a late for this year.

That's a lot. That's cool. That's cool. She has a late fee this year. That's not surprising. I didn't know that. Is it just one? Does it just show one?

Maybe we should consider auto pay, honey? This is there 33.24% interest, right? What the f- What the I got it whenever it was on one of those promotional things and spent money on it

and haven't really thought about it since then. Great. That's a quick path to financial success. But I needed dog food, so like I needed the card. Yeah, but you need to put it on the credit card. Or you guys got dogs when you financially should not have because you are responsible for them.

Oh, well, that's agreed. We just got a dog last year. Why do you guys have? Five. Because I, oh, shoot, I have two. She had to. And then we just got a puppy. He's a year old now.

Why? You guys want to bring kids too? Yeah, I know. It's going to be a chaotic in this house. It's going to be crazy. No, it's a townhouse. Okay. But our last dog that we just got was kind of like a

spur of the moment type thing because one of our friends was trying to breed a dog and they ended up being the wrong type of breed. because the wrong male dog got a hold of the female. And she had an extra dog. And we were like, yeah, we'll take him. Okay, who's the American Eagle?

Me. $334.69. Yeah, because we have to spend $100 on a pair of jeans. Oh, for fuck. It's not $100. It might be my sweatshirt. Sorry. Do me move it?

No, you're just not even wearing them. Oh, my jeans. Well, there's a reason for that. Are you pregnant? No. No. No. No.

No. No. What's the reason for you not wearing the pants that you spent $100? I'm bloated. Oh, she's on her period. They're not comfortable whenever I need to get a new pair. Yeah, so one week out of the month, every single month, she can't even wear the jeans that she spent $100 on.

Also, I'm in scrubs almost six out of seven days of the week, so I hardly wear the pants that I actually own. $334, $69, minimum fee payment, $30. Purchases your purchasing on here still. Yeah. Yeah? Like that's okay? That's okay.

They had promotions and I bought a pair of pants. Doesn't matter. That means you're making them money and you're fucking yourself. For a pants that she doesn't even wear. Her pants doesn't wear it because she's in scrubs all day. She just said that herself. Yeah, but I like looking nice and the pants fit comfortably. Well, you look fine.

You look fine. Whatever. I like the pants that I put in there. I look fine too. We're both dressed basic as f***ing. Yeah. $30 minimum fee payment. $14 months to pay this off.

Yeah. Purchasing American Eagle. Okay, let's see here. No fees this year, surprisingly. Hell yeah. $29 an interest. That's at a 34% interest rate. Yeah, let's keep purchasing on this card.

For jeans that we don't wear because we're in scrubs all day every day. I also don't just buy jeans. You know that. Who took who's last? name. Did we do that? I haven't done it yet. Are we going to? Yes. I'm going to take her last name. Parents probably not happy. Hmm. We didn't care. We pretty much cut them off. So, really? They may or may not know. Who knows? Really? Full cut off. My ex probably told them just like he told them that I was dating a woman. Oh yeah. The ex likes to stop all of our stuff and tell the parents

everything. I can see him taking it personally because you guys kind of, uh, when you were literally married. His last two girlfriends previously ended up gay too. So it's not a me problem. It's a him problem. The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial Audit post shows. Exclusive and uncensored financial audit episodes. Our call-in show, hammer it out. Well, then take the train.

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No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. You're in the middle or have you fung swall? What? Swung full. Well, I'm married to a woman now, so I would say I went full. Oh, I don't think that.

No, no, no, no. You can solve different sexual sexual. Yeah, but I'm not interested. No, thanks. I'll pass on the penis. She's being very defensive right now. No, I'm not trying to be defensive. I'm just saying.

I was a sassy and a casual question. She's sassy, so I wouldn't be surprised if it sash just came at you the rest of the conversation. Yeah, she's kind of a $25 minimum monthly payment. Okay, that was rude. You like that one? I mean, I can be a bitch, but it's, I was trying to be nice. No? $300.

That's the limit, but you're at $297. dollars and twenty. Whose is this? Mine. Oh. Oh, this is Capital One. Yeah, but there's platinum card. Platinum.

Is that me? I think that's me. Well, it's max out of 300. Does it have a name? No. Is it Trish or Carries? Does it have any spending on it? $44.70.

I think it might be mine. Fifteen months to pay this off. We're going to raising Cane, Starbucks, Gord knows many tacos. But the tacos, though. Off to, do you go? Okay. Don't want to have a kid. not because so far in at least this side no we don't really care 22 so we still want to like live

still want to live young go crazy i don't necessarily think that i don't think that i don't think that i want to go out and have fun because i feel like a typical 22 year old is trying to go out every night and have a good time with friends every night i don't know we don't go out ever i don't ever go out to a night club or bar or you see each other two hours a week so i wouldn't think you would okay but I don't even go out with friends. Well, you have to be home for the dogs. We already know this. Yeah, but even if I had dogs, I don't have any friends.

Yeah, but you're still finding your wordy splurge. You're still finding your way to fuck around. Okay. It's pushed off to something else. Yeah. Food? Yeah, this is food. Constantly.

Interest accruing this year so far. This is crazy. Before we came in, we were talking about, you know, having kids and stuff, and I thought maybe you would want to donate. I mean, you're smart. and I would like my baby to be smart. So we were just talking about it a little bit. Just an idea.

He was not how to talk to him. No, it's just the only joke I had was desperately inappropriate. Oh. Freedom card. Yeah. By the way, I don't think I can have gay sex. I don't... Gay, well, we're...

Okay. I don't... That's not how donating... I mean... $40 a month is the minimum of payment on the freedom card. Yeah. Who's this? Mine.

Okay. Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava Theater stage on April 30th, the powerful vocals of Demi Lovato on May 17th, and the signature Southern Country Rock of Eric Church on July 19th. Tickets on sale now at Yamavah Theater.com, only at Yamava Resort and Casino, celebrating its 40th anniversary. You in? Must be 21 to enter. It's a 383.47. What's going around with this card? Anything? I don't know. Are there any late fees?

Actually, it looks interest free. Wait, the whole card is interest free? This is interest free until a couple months from now. Okay. So we need to take care of this now. Okay. And there's no purchases on that one, right? No purchases on that one.

Any late fees? No late fees. Pekko, who's that? I did get on one. Oh, that's mine. We buy the dog food only from Pekko now. Yeah, this went. Oh, okay. It was interest hitting $6.47.

We're at a balance of 201 on a credit limit of $250. So that's not great. What's your credit? Do you know? Mine? Like, 24, 6, 618. Something like that. What? 618.

Okay, 618. Gotcha. Yeah, interest is accruing this year so far. It's in a fucking 36% interest rate. Yeah, I didn't. I think that was one of the ones I got on a promotion thing too. Just why? We just buy the dog stuff from there.

Who's quick silver? Mine. Okay. Credit limit $500, but we have a balance of $426.8. Transactions, $56.21. So you're purchasing on a card that is a growing interest that you cannot pay off. I thought that was only for her to do. But you're doing that now.

So what the fuck are we doing? That one was because my debit card got locked because they thought that there was fraud going on. And it took them like two. It was like two weeks that they. I got the notification that it was locked and then two weeks later And we're not going into the gas station And getting into bulls.

You definitely did. That's all I did on that one, yeah. Because I get my Red Bulls and my snacks on the way to work. Yeah, Red Bull snacks, Red Bull snacks, Red Bull snacks, Red Bull snacks. I need caffeine to survive. Cool, brew coffee. I don't give a...

It doesn't taste the same. No, it doesn't, but you're poor. Even though you guys make a lot of money. You're poor. Yeah. How does that feel? That's not great. Imagine making a really good income

above the median for the household in this country and in San Antonio and in Texas, but you guys are poor. Yeah, double homicide. It feels like shit. But it's what you guys are doing. What? I see something.

Mm-hmm. What? I also feel like we're not the only ones that are poor that make a DC income. What does that matter? I guess I'm just... What? Who gives a... I mean, it's hard not to compare, you know? Yeah.

What is this a desperate cope? A cope to make yourself feel okay for being pieces of money? No, who cares? Okay. If someone does three puffs a meth a day and you do one, doesn't make you good. Yeah, you're... What? Nothing.

Oh, come on. You know her. I feel like she's holding back something. Yeah, she wants to call you a dumb ass or something. She's calling to spite. You're just a smart ass? Yes. I get it.

It's cool. Yeah, the show that you watch that you have. applied for? Yeah. Yeah. Mm-hmm. Uh-huh. She just, I think she just wants to justify her petty spending whenever. It's only a little spending here and there. But it's not, though, but I understand it's just an immediate... It's not a little spending here and there? Right. It's all it was. It's a big spending here and there. No, are you, what are you talking about? We just went through your statements. It was a ton of little spending. Yeah, but it adds up to be a lot, though. That's what I'm trying to say.

Okay. What's the point? she just wants to fight. That's it. That's just a defense mechanism. I automatically just want to tell you shut up, stop talking. But I wouldn't do that. I mean, I can, but I can't. I wouldn't.

The whole point of this is for you to shit on us, but it's just irritating because, you know, on us. But because it's also true. Yeah. And it doesn't feel good. Yeah. To have to recognize that for the first time in your damn life.

Okay. Carry on. Maybe deal with your shit and you have to be, you have to be shit on. Yeah. But I have to, I feel like I need somebody else to bring it up to me before I can do it myself. Of course.

Okay. No late fee on this one, but interest is accruing that crazy. Again, it's just energy drinks and snacks. Come, it's not good for you either. Yeah. Try to have a kid? Yeah, but I need caffeine.

I just need it. If I don't have caffeine, I would be a piece of the person. Guys, if we're trying to make a little hammer, we got us. Is he agreeing to him? We got to all come together. We all come together. 28.99% interest straight.

Please. Women don't come when they're with me. Oh. Oh. I'm very sorry for your girlfriend. At least this finance is you're straight. 28.99% interest rate. Okay. So this must be your quicksilver then.

I don't have one. You have double quicksover? Yeah. Well, the first one, one of them is a Walmart card Walmart card. This one's also basically maxed out. The Walmart card got bought out by a Capital One,

so it's now just a Capital One card. Did you see that Discover also got bought out by Capital One? That just happened like three days ago. Uh-uh. The $719 and $4. Minimum monthly payment, $25, four years to pay this off. No purchases, but $17 to $62 of interest is occurring.

So, I mean, that one's basically maxed out. So, I mean, yeah, not much in terms of purchase. and could be done, but that's at a 30% interest rate. And we keep going, care credit. Yeah, what's going on with this? For the vet bills. Dogs?

Yeah, the little one had to get his year checkup and his balls jumped off. Yeah. Okay. Well, $268 and 37 cents. Minimuthy payment was made. $30 for the minimum. $8.6 of interest is accruing.

It takes 11 months to pay off. But that one's on, is that one on deferred interest? or no? Mm-mm. You said interest is accruing? Oh, my, there's been, I think, I think a late fee this year. For what? We just opened it.

And then I didn't pay? No, I just opened it like two months ago. What is it? What's the fee? $30, which is typically a late fee. There's also a 33% interest rate on this. No, it is not interest free. What?

I thought it was like a six. So not only were we not paying, but it's also accruing interest. Yeah, but I thought that it was like six months. if we paid it off within six months. That's not it. I guess not. Oh, okay. That was one of the promotional ones, too,

where if you spent a certain amount of money, it was zero interest for however many months. No, it's not. It's literally not. We had it for a while, but then we didn't use it so it closed, so she had to get it opened again. Okay.

What am I seeing on this? I'm seeing count name best egg cross river. Oh, yeah. that is how we pay our rent. Oh. Is it a debt? No.

I mean, technically it's a loan, but we pay it every month. Yeah, we pay half the month in the first and half the month. Who is collections? I do. You're 22. What is in collections? Because whenever I lived in my previous apartment before I moved in with her, I guess I technically broke the lease, but I also made sure to do it correctly, I guess.

The apartment complex was a very... Is that mean? Apartment complex. They had... There was some type of leak on the upstairs apartment. It caused mold to occur in my bathroom. I reported it. They didn't do it within seven days, which is like what was in the...

Cool. Did you report it to any city agency? Try to get some law firm, anything? No. I just wrote a letter to the maintenance guy or to the management. Okay, but you left. You just left. Yeah, because they didn't hold up there into the deal. Yeah.

agree. Is there a way we can do that now? When was this? No, I don't think so. This is so hard because you're going to have to prove that. It's just word now. Okay, well, you owe it. Yeah.

I'm not paying it. The fuck is this. I think that's my car. So we don't want to get a house because at that point we're just talking like that can boost your credit by 30 points. That's not my number one priority. Sure, I'll pay it. Yeah, but I'm not doing it.

Yeah, but I'm not doing it. Yeah, getting rid of collections. Okay, then maybe that needs to be a higher priority for me. It just depends on what you want and what your goals are. I mean, yeah, you know our goals. Our goals is to buy a house and have a kid, but I didn't realize that paying collections was first priority to get my credit. I'm not saying necessarily first priority,

but it can have some of the quickest effects. Okay. Depends on the entire situation because you have so many max out credit cards, that could be one of the quicker ways. Yeah. For an immediate effect. Okay, what the fuck is this? We have a balance of $21,540 to $4.

It's my car. Oh, what do you have? A 2020 Honda, HRV. Okay, interest rate is $5. 5.54% is not the worst. Yeah. It's because I'm the co-signer on the car. You're the co-signer?

Uh-huh. Don't look at me. Who is it in? Whose name is it in? My ex-husband's. Really? Okay. And how's that?

Fine. Payments are you guys on talking terms? No. But when we wrote up our divorce, we wrote up a paper basically saying that I was responsible for any damages, payments, anything like that. both signed it, had it notarized, and... Wow, that's interesting. That's all that's been said.

That's one of those things that we do have pretty constant conversations about, because I would like to get it refinanced, even if I have to be a co-signer for her, but I want his name off of it. Yeah. How did you and the guy meet? We went to high school together. Okay. Oh, it's in a really small town.

Okay. Yeah, that's a sore subject, because every once in a while, he'll show up out of the blue and start about... about, he says it's about the car, but it was really just attacking him. Yeah, I just recently blocked him, like within the last month. I kept the communication open in case, I don't know, maybe I was able to refinance it, just something, and then it ended up being something that had nothing to do with the car, so I did end up blocking him because it wasn't for the car.

It was the purpose of stirring some just to be an ass. But I know that both of our credits are pretty trash right now, so we want, that's like going on our conversation. would be f*** right now. To be clear. Yeah. And the interest rate on the car is pretty low. Pretty low.

What do you think it's worth? You owe $21,540. $4.4.7. We just looked. I think it said 15 to 17. Sounds about right. We're getting about 18, but yeah. There's damage to the back of it.

Yeah. Okay, so we're underwater for sure. However, we could save ourselves maybe about $5,000, getting yourself a 10,000-hour car, barring the difference to, pay this off as well by selling it. I don't want to sell my car. That's a car. Who cares?

Who cares? It's like, do we want to get there or not? Yeah. We can do a lot better. We can get to where we want to get. I'm guessing the Jeep is you then. Yeah, the cheap is mine. Okay, so smaller balance, $9,328.60. Minimum monthly payment, $392.52.52.52. Okay. Okay. Yeah, it's almost paid off. That was my first big purchase by myself. I'm an unpaid balance part, though. Is that not the total that I owe?

I can't tell. What's the interest in this? Hi. It's like eight. That was my first purchase by myself. It's worth just about the same. She's not going to sell her car. I'm not saying to. Her car's at a reasonable price for you guys' The situation. Okay. Sorry.

You're going to sell your car. I would like to refinance mine just so that 8% was lower, but I know I only had about a year left. That was like my first big purchase, so I did take the longest loan, but I have had it for five years now, so it's almost where we're getting there. Okay. Student loans, who's this? Under me. Okay. I think those are mine.

How much is it total? 29. F*** me. Our payment started? Kind of. I didn't realize that the interest had started accruing on the payments. So I missed a couple payments. That's why my credit score dropped so low.

What's the minimum monthly now? I don't know. She just signed up for the income-based one. So it's on. It's so weird because you guys do not have bad income. So I don't know. Like what the fuck? Like your payment would honestly be if it's $29, maybe $250,000.

You can totally afford that. Why the f*** you be on something special? I think, okay, I think my... Why should you be? I don't know. It's dumb. It doesn't make sense. I can't straight up pay the balance that's due right now.

The balance is like... Yes, that's because of your debt choices. Yeah. That's because of your spending choices. If it's income-based, your income can't afford this. You should have to pay in a 10-year program. In that case, they'll tell me that my income-based whatever is not capable. No, they won't because it's dumb.

Okay. Well, now I'm based on a 90-day hold. and I don't make a payment until they decide. Okay, I mean, I guess it's going to be like 50 bucks because it's always something like that. I think it was like 110 whenever she looked. 110. What was?

The payments that you were supposed to be making? No, my payments that I was supposed to be making was $304. Yeah, which you could. If you want to spend $900 a month on going out to eat. Understand. Great, glad we're subsidizing. You're going out to eat.

Okay. Yeah. Yeah, past it. Yeah. Do you have students? loans? Yeah. Okay, what's your student loans? It's a little hard to tell who's is who's in here. Oh, that's all mine. Mine are like, there's like six individual. I don't know if mine are in there. It's about, yeah, I think.

$50,000. For what? I went to school right out of high school to be a math teacher. I got my associate's and dropped out. I went to culinary school in Denver for a year and doubled my student. loans in the one here. And I actually just started going to school last semester. Why? Because I want a career. In? Psychology. I want to go to child psychology.

For fuck's sake. So because you're in school, you don't have to pay, right? Correct. Fickick. Listen, it's not child psychology, but if either of you want a course career certification, I'll give it to you. I don't think it's actually applicable to you guys the situation, but either way. That's crazy. Yeah. Now we're going back in. How much school do you have to do? I have to get a master's.

Oh, for a fucking kill me now. All of those are your student loans? And you know this and you're aligned with this and you're okay with this. You're okay with me going to school. Yeah. That's just my credit report. It's going to take away time from work eventually. That's your credit report.

Yeah. Especially once master starts. Yeah. But I currently. Like income will be on you again as a breadwinner. That's fine. I'll have my certification. Yeah, but you have to pay off the debt too.

That's why we're trying to get there before I got a better job. You did that. You paid off the debt? No, I said I get that. And within the next year, I'll have a certification in the actual job that I'm doing, and I can get a better paying job. I just passed a test. Triple. Is that true?

Mm-hmm. What will the job be? A travel contract for ultrasound. Okay. Mm-hmm. Good. I love that. We'll use that and we'll feel that towards the death for sure.

Okay. Can I ask you a question, though? As far as travel contracts go, do you know anything about the taxes behind that? Because I know. Are you a contractor or W-2? That would be a contractor. It wouldn't be W-W-2. like 25% aside for Texas.

Okay. That's all. I didn't know how that worked. If you're a contractor, that looks like all the debt. Is that all the debt? Looks like all the debt. No, that's all. I think that's it. I actually do have something in collections, but it isn't on my credit report. How long has it been?

I just got a like a packet. So it might hit soon. What's it for and how much? It was for the previous engagement ring. But I'm trying to dispute it because the ring. I did take the ring back to them. They have the ring. But they still try to send me. It was like $1,500. Okay. I won't write it down. We'll see if that happens. But, okay. Checking

account. $69 bucks in here. It's not good. I don't know what account that is. We all have this same. R B, FCU. We all have. We both have one individual and we have the joint one. It's one where Quizlet. Oh, that's mine. So 69. Mm-hmm. Okay, good, good, good. Going in getting some Starbucks. Affirm. That was my computer.

Getting some bullshit. Press coffee. Apple bill. Going in against some bullshit. Press coffee. Going in against BS. Apple Bill, Spotify, Academy, Sports. Jimmy John, Starbucks.

How is this helping us get to the, you know, healthiness for baby? This is all bad for you even for eating once a day. Make it healthy, right? Disney, Plus Apple Bill going in and getting some BS, going and getting some BS, going and getting some BS, going and getting some BS, going and getting some BS, going and getting some BS, and going and getting some BS. What are your thoughts on that? I'm just, or sorry, she's just as guilty as I am.

So you're okay with it? No, I'm just saying that it's not just me that's the spender in the relationship. What I say am more, yes, but I'm not the only one. In my mind, if I have it in my joint, in my checking account, and there's still money in my checking account, After I pay for it, then I can afford it. Savings $21. Overdraft protection. And this account at 309.

That's probably money. And that's all we can get Netflix and courtesy pay fee in Amazon, big country, whole Navy, and Target, raising canes, chick-fil-A, going to get into BS, books just chicken, Starbucks, TikTok shop, McDonald's, Amazon Academy Sports. Laverna. Lavernia. It's a town. Okay. Well, that one's not as easy as... Charades.

Mason Dona. Starbucks store, Raising Cains, Dutch Bros. Dairy Queen, McDonald's, Taco Cabana. Going to get into bullshit. Go and to get into bullshit. Go ahead and tacos. Casa Garcia. Spotify.

Oh, my, this is endless, dude. I know. It's bad. We obviously just don't care in our actions. In our actions. In our actions. I'm just circling back to I don't have a way to pack a lunch. Except we literally disproved that earlier.

Yeah, but the ice, the coolers doesn't always make a cold. Get a better one. Okay. Or just get a fucking cooler. Yeah. Travel in a van with five other ladies. Cool. Congratulations.

There's not enough room. Put it on your lap. You have a lap. Do you have a lap? Does she have a lap? Yeah. Put it on your laugh. Okay.

Going into some BS, Gordo's mini tacos, Nora's Snacks Academy, Sports, Starbucks, Amazon. Okay, you've had three overdraft fees this year so far. Fuck you. I know.

It's ridiculous. Toco Gabana, Dairy Queen. Going and getting some BS, Pop Chef, Pop Chef, Starbucks. Going and getting some BS, McDonald's, going and getting some BS. We're never going to get there if she's still like this. Yours was not good, but you, I can tell,

are going in her direction. She is so beyond fucked financially. in just her actions where it's like, I don't know how we're going to get to the same goals together. I don't know. Yeah, that's like one of those hard conversations that we need to have about getting our heads out of our asses and actually doing something productive. And in this checking account, went in, got to BS, and then in Acorns, we have $10. Woo.

Yeah, I just started that because you said that we need retirement. I mean, I knew we need retirement. Yeah, Acorns is good. That's how I got. Hey, you didn't even talk about how much was in this account. It's $1,000. Hey, it's $1,000. You're spending on it.

Well, yeah. This is why I don't think the money's going to be there for very long. Our rent comes out of this checking account. I don't think the money's going to be there for very long. Okay. He wouldn't even got some in there as well. Yeah. Total income.

Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Come for the house, 7,100. Hey, this is not bullshit. I'm sorry, but that's, that Petco is dog food and H-EB is groceries. Did I hide, did I say those things? No, but you said bull-th.

There's no other bull-th. I said going inside and getting some bullshit when you stopped the gas station and went inside and spent a few bucks. So, fuck you. Mm-hmm. Your debt minimum monthly payments is $1,739. And $29. Not good. Rent.

1650 Utilities including internet Well internet is 40 Phone bill Yeah, internet's 40 What about utilities? Gas electric, whatever All of it?

Electricity is about 130 Yeah And trash We don't have gas Trash is 104 every three months Yeah Oh

And what was electricity again 130 on the highest end Cool So I'm going to say 164 067 Phone bill.

Mine's $120. What's your phone bill? Do I not include the Wi-Fi? No, say everything together. Okay, the Wi-Fi and my phone are $145 a month. So I'm crossing out the Wi-Fi from before. Yeah. $265. Gas.

Room, Boom, Drive, drive, drive. About $250 for both of us a month? Car insurances? $340 for both of us. Okay, $600 for groceries. TP fund, $250 for $200 for anything else you guys need in your life. For example, your bloat. Medical health care, anything that is required?

I had that since I was in school and I couldn't afford health insurance. I did like the free health insurance or whatever that you sign up for. So that... Co-pays and stuff? Like what? No, you talk about how much you spend. We don't, no. We don't have health insurance.

prescription. You don't have health insurance? That's where I was trying to get at. What the f*** what's wrong with you guys? I had health insurance. Just get health insurance. It's fucking expensive. Yes. I can do it through my job, but I have to wait for the enrollment to open. Let's get health insurance. We'll just get you bottom of the tier, just 500 bucks. A month? Bottom. Oh. Like the worst you can get, but it's going to prevent you from going bankrupt. Okay. Penn insurance, how much? None.

What are you guys doing? What are you guys dealing? My dogs are old. They're both 10, so I can't. Okay, so not that. What about those? Yours. Ages and health.

Oh, four. And healthy? So two four-year-olds? Yeah, two four-year-olds and then the new puppy. Get them on pet. 105. Get them on pet insurance and now. Oh, that's not bad.

Well, it's going to be like 105 to 120. Let's just do 120. Okay. Okay, Jim. 39. Dog food. about $70 every week 70 a week

Yep 280 Anything else that needs to be in your budget That I have not taken an account I don't think so No Guys we have room You need $6,147

and 96 cents to survive on a monthly basis 7,000 Okay so you have $952 and $4 cents left So So stupid There's no reason to be in this debt It's just your irresponsible spending

We saw where the categories went And then you overspent on your money Why'd you fuck with my pile? We didn't If we minus the city loans Our debt is $51,959. $1.21. Now you are going to get that pay raise

Which I'm excited about But even if you didn't You can still do this and it would actually take quite a while it would take about four and a half years, call it five and a half years, you know, fully funded emergency fund and everything. But you're probably going to do this in like two and a half to three years. Just buckle down.

Just buckle down. This is just a budget situation. This is not a crazy like, do this, do this, do this. If you guys budget, your pay goes up, if we stick to our means and we just track it, use the budgeting app, do whatever you got to do, have the conversation you need to have, go through our educational programs,

go through that state discipline. You guys are out of debt and you have a fully funded emergency fund. It's pretty simple. It's just time. What you have to do is just simple. And you communicate, sit down and talk about our monthly basis. Okay.

Okay. Guys, join us in the post show. Join Hammer. Link in the description below. I'm about to give them their Hammer financial score. But join that, the best YouTube membership on the platform. And we will have a nice, juicy post show. There's always something that I don't know about,

something we didn't get to talk about. I don't know. But spending it in a budget, you guys are zero out of ten because you spent more than you make. Debt, collections, zero out of ten. Emergency fund is all thousand hours, one out of ten. Retirement, zero out of ten. Real estate, zero out of ten.

Okay. Well, hand in financial score rounded up, point five out of ten. I'll see you guys in the post show. Make sure you download the budgeting app sign up for the annual version. I'll send you the cookbook and notebook signed by me. That can't be purchased anywhere else and I'll mail it directly to you. See in the post show. Bye.

What is the tax situation? know at all what happened. How? That cost a big strain in our relationship for a good, three months. Why the fuck do you possibly owe taxes? Who owes taxes? Both of us. What do you owe?

About. What the fuck are we doing? You're both equally as a Fri-lusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. Enjoy more ways to save at Ralph's like low prices in every aisle. And when you download the Ralph's app, you can clip and save more with digital coupons every week. Plus, you can earn fuel points to save up to $1 per gallon at the pump.

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