Financial Audit - Wannabe Hipster Knocks Up Literal Clown | Financial Audit

Episode Date: September 4, 2024

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. You told me, you guys have enough money in your checking account to pay your bills, so that's why you don't tell her. Then we had a fucking late payment. Does Grandma know? That we're spending so much? Yeah. On you, you bullshit.

How can you get a mountain due every day if you're borrowing money from Grandma? Was it a borrower a gift? It will she never ask for it back. She's an older son. It's like the kid doesn't matter. It's like your grandma doesn't matter. It's like the life doesn't matter. It's like our future doesn't matter.

Hi, I'm Rachel. I'm 21. I'm Dylan. I'm 23. We're based out of Phoenix. And this is financial audit. Welcome down to awesome. Thanks for coming guys. And what do we do for a living right now? I guess we'll start with you. I'm a stay-at-home mom. Oh, very, oh, oh, wow. Okay. So we have a kid. Yes. Or a young couple kid. How old is this kid? Six months? One kid. One kid. Single. Six months. Very cool. Wow. Was this planned or was those whoops-o-o-oops-oos. We knew there was a risk.

It was the fucking out method. Yeah, that would have risk. Yeah. Yeah. We knew it might happen. So, like, you guys just didn't care? I forgot. Okay, no.

You forgot that you weren't wearing a... Listen, Caleb, we went to public school. So... We were like, if it happens, it happens. I mean, at the time we were making them. It's an interesting family planning strategy. They've been doing that for hundreds of years. When were you guys married?

We're not. Yeah, we're engaged. Yes. Oh, okay. When did you guys get engaged? September 22nd. Yes, the baby was already like three months. Wow.

I was already three months pregnant. Did that kind of push us over the edge to get engaged in? Yeah, I think so. All right, completely different answers from both. I always thought she was the one. I was just kind of pushing it along. I wanted to prove her that I meant to stay here. I just knew I was pregnant.

And then we don't know if it came to. And then we were engaged. All right. Cool. So, and then what do you do, Dylan? What do you do for a living? I'm a dishwasher. Okay.

And there's nothing wrong with that, but I'm immediately curious how we're paying the bills as that being the only income right now. It's new. so previously I was working on automotive shop oh okay previously when a couple weeks ago

yeah okay this is very new what were you making at that um so so the pay plans are strange um my last check was about 850 bucks I was bringing that about every week

um before that I was making a whole lot more about 1,600 bucks a week when last year all what happened I got forced into a demotion why So the management team at that place is very toxic and very totalitarian. They're very mean.

Totalitarian. Okay. Sure. And I got pretty sick of it. I was mostly ignorant to a lot of the stuff they were doing. So anytime they would start violating our workers' rights or just kind of being rude for no reason or expecting too much without compensation. What workers' rights did they violate?

Like no lunch breaks? No lunch breaks. They make you sign fake. legal documents. They weren't even legal documents. Yeah, no, they weren't. They were basically like, you're going to do this and this and this. And if you don't, we're going to give you the foot.

But it wasn't any form of work thing. It was like, a printer paper with pen. And they're like, you can't pick your kids up. You can't leave to get your kids. Yeah, there was actually a worker there that he had a signed court order to go pick up his kids at five. And he said, I'm like, oh, no, you're going to work till six. And if you don't, you can leave. And he's like, no, I have a court order.

I can do both. Try to not hit the table. But, I mean, I get it. I haven't let my employees. leave in six months. I make them live here because I own them. That's what the back room is. It's good. It is.

It's the shackles are for it. Noah sleeps in that corner right there. Is that his pee bucket over there too? No, he doesn't let them go to the bathroom. He's here to save money. That costs plumbing. Absolutely. So now obviously that doesn't, that doesn't sound like a great work environment. No.

We got to the point where he was reporting to HR and they retaliated. Yeah, and they just kept retaliating. Quiet fire type vibes. Yeah. So how did the emotion look? So eventually they're trying to get me to quit. And I'm like, I don't, I don't quit. So there's a position in the shop that's the worst position in the shop. You're working in a basement.

It's about 110 degrees in there. And then you're just running back and forth, changing oil in cars. We're the only one kind of making it. Now, why was no one else doing anything? They got fired. So there's only one pit take at a time. Where were you not fired? They don't like to fire people.

They were doing the quiet fire thing of like, Oh, he's admittedly. Write that down. Oh, this, write that down. And then he went to HR. I wasn't given him any reason to give me a fire. Like, I'm a good employee. I did all my tasks on time.

They just didn't like the fact that I was trying to hold him accountable to, like, a healthy work environment. They wanted to manage their way, and they didn't like that. So they're just trying to give me the boot. So they threw me in the hole for probably three months, trying to give me to quit. Now you're a dishwasher. Yeah, we're getting to that point. We're getting to that point.

So it got to the point because the way my pace goes. Try not hitting the table. Sorry, sorry, sorry. Where is a spray bottle? Yeah, I will spray you. It's true. It'll work. I'm armed and ready.

So the way the pay works is I was getting paid off mechanical because I was. That's so messy. Locked and loaded. I like how you bought the black one from Target, too. It's tactical. Right. It's tactical. So the grip is for.

So originally I put it on like intense mode. Oh. Because I have to aim from across the room. I can't hit the mics. Go on. continue so I was a service manager so I was managing all the cards in service and that's how my pay was based off of it was the I was getting a bonus off the total commission of the shop versus the oil side gets paid off what they do over there which in the whole it's just a flat hour

rate plus like extra couple hundred bucks sure um so they couldn't keep me on the mechanical rate if I wasn't over there but they didn't have any reason to take me off that pay rate so they brought someone else new in and put them on that pay plan and basically told me like hey if you want to stay on this pay plan you're going to have to move. a couple hours away to go to this other shop and work there, or you can put it on the basically lower pay plan. And I was going to move. Sure.

I didn't want to make the drive because I'd turn my 10, 11 hour days into 13, 14 hour days. And I still needed money because I didn't have any backup. I didn't think they were going to do that. Eventually, I thought they were going to maybe pull me out a hole. But so we're just been kind of struggling with that past couple months. So you quit. I quit.

Yeah. Okay. Now dishwasher. You know, just like the first open job you could get? Was that the idea? I was planning for everything, yeah. Okay, well, now I actually appreciate that. You know, for what it's worth, I actually appreciate that because what a lot of people do is they find themselves in like a laid off position on the show.

And yes, if you're paying into unemployment on insurance or insurance, you know, that that can help you for a while. And if you have an emergency phone, obviously that can help you for a while. But at some point, some people are pushed to the point where they're not willing to take jobs that they look down on, jobs that are a little easier to secure in emergency situations. Not that, you know, they want to hire someone that's immediately going to leave. But they're probably used to being a higher turnover rate in that job. So what are you making now? 18 an hour. Okay.

Okay. It's not horrendous. Just for washing your dishes. Yeah. It's actually a little surprised. That it's like even over 15. Are we allowed to say brand names? I don't care.

It's like Texas Roadhouse. Okay. The rolls. Yeah. Yeah. The rolls. Yeah, the rolls. Simmer and butter. Plus, I can sell myself an interview pretty well.

Yeah. Yeah. We're saying you've been doing this how many weeks now? I start the seventh. Okay. Yeah. How are we surviving? Um, we're not. We used up the emergency fund. You had emergency fund. We had emergency fund. We did. We had probably about two and a half grand. This is a different conversation. I like it. Usually we don't have people. Well, okay, that's not a fully fun. I'm margin fund. Never mind. It's definitely not. You had something. It was enough to cover like one rent payment and like a car. payment. And then because with the baby, there's at least $200 every month in formula. So I guess that makes sense why we're having this conversation. In your opinion, why are you guys here? It's just gotten to a point where I feel like the financial literacy is almost none. And we can't have conversations about it without it being like a fight. And then that just is so

stressful on top of not having money to do anything. Like as a stay-at-home mom, being in a house for 10 hours a day with a baby. Yeah. It adds stress. And then the finances have always kind of been like, I'd be like, can we do this? And he'd be like, yes. And then like a couple days later, like, oh, we couldn't do that. And now we're stressing.

What example? I need an example of that. Like, oh, can we go get food today? Or like, can we go grocery shopping today? And groceries are at least like 150 now for a week. Okay. And then he'd be like, yeah, we can. Because, I mean, obviously we need food.

But then that wasn't the case. And then by the end of the week, we're like. like stressing on how we're going to pay for things. Um, this last two months, I think we've asked his family for help like two times. Really? Yeah,

his, his grandma covered like a gap for a rent. Grandma. Yeah. Oh, that always hurts. Yeah. Going to the grandparents was probably retired, right?

Yeah. Yeah, Mimi's great though. What should you borrow? Was it borrower a gift? It will she'll never ask for it back She's a she's an older southern woman She's never gonna like you all It wasn't like a

No it wasn't like a loan It was like a we're gonna help you do this And then it was 600 and $600 Okay so that was like a stopgap But help make the rent And a little bit extra for groceries So And then his mom

Why is every conversation around money A fight though? I just think We have different views On it Okay Tell me his views Well, when it comes to, like, hobby things, like, things he enjoys, it has to be, like, the best of the best, like, the best coffee machine, the best, like, tools for if he wants to go to the gym.

Okay. Those things have to be luxuries, but then if I'm going to the grocery store and I'm like, hey, can we get this bigger pack of meat? It's always, like, no, it's too much. We can't do that. So that kind of just immediately makes me. I would say that. I would say is, like, can we get these chocolate chips for the cookies? I'm like, we can just have normal cookies.

You don't need chocolate chips. Do you agree with her assessment on the first thing? Yeah, I do. Okay. I do have an issue. So is it the chocolate chips that are killing us or getting the expensive coffee equipment? Coffee equipment. And probably getting chocolate chips every week.

Like it's that kind of thing. We're like, because I almost feel like, oh, well, you got this. So then I get to get this for the house because you spent that money. And then I feel good. Why? Wait. Well, if we knew why. Why does it have to be some competition on spending?

I don't know if it's a competition on spending Or if it's like a like especially being a stay-at-home mom It's like I don't get luxuries Like he gets to go to the store for a mountain do every day at work I don't get that to go to the store mountain do every day What does that mean? You mean like you stop and get a mountain do every day I don't have to stop it's across the street from my old work

That stupid get a pack from Costco That's fair It's cheaper yeah no shit What the what do you think? I mean, the problem was I was spending them. I was getting them every day, so I didn't have money to buy them. At the Costco. And that's where it came in is like the smaller things daily of like, oh, we, let's get this because it makes us feel better in that moment.

How the fuck can you get a mountain dew every day if you're borrowing money from grandma? That's gross. Yeah. That's gross. Yeah. What? You're smirking? No, I'm trying to.

I'd feel pretty nasty about that personally. Yeah. When you put it like that, I ask someone who is. borrowed money from my grandparents a long time ago when I was in a bad spot and it was borrowed and I ended up paying it back, I'd feel gross. Yeah. And then what's her philosophy on money? Mimi's?

No. Oh, hers? Yeah. So did you guys have different philosophies? What is it? Yeah. Usually, anytime we talk about finances, no matter how, like, how good we're feeling going into it, I feel like her anxiety just cranks up to 11 and then immediately I just feel

I can be attacked on most of my purchases or any of our purchases that we make. together. So when we have conversations about money it all of a sudden becomes, well, you spent on this. Well, you spent on this. Yeah, it's a big fight. Well, we can't get that. Well, we need this, but yeah. And then I think a lot of it too is because he took on like me being a stay-at-home mom and him having to pay

my bills adds a little more of that. How close do you guys live to family? About 30 minutes. Okay, so the support could be there, could not be there. It's a little difficult. It's not like we don't have support. But, well, yeah, but I mean, honestly, it's not like we haven't had

every tool to do this the right way. How do you want to be a stay-at-home mom? Ideally, until the second kid was here, because then I could just... We're planning for a second kid, and we literally... Well, probably... Not soon. What's your rent right now? 15 flat. How the fuck are you... Is that with utilities, though?

How many hours are you working a week? Originally 50 to 55. Okay. And that was... But that was only making... They required 50 hours to make $800. It was 18 plus a commission. Oh, you're making $800. every other weeks, what you said? Every week. Every week.

Every week. 8.50 to 900 bucks. Okay, so you're making rent, but it's still very expensive for you. Yeah. It's close. How is the second kid in a conversation then for that? It doesn't really make sense. Especially if you had a drain and a emergency phone. Is that fair to the kids? I don't think so. No. You don't have a choice to come into the world or not. Right. But they're cool.

Well. I'm sure. So is a new motorcycle. Like, yeah. We're not getting a motorcycle, are we? How many discounts does USA auto insurance offer? Too many to say here. Multi vehicle discount safe driver discount new vehicle discount storage discount How many discounts will you stack up tap the banner or visit usaa.com slash auto discounts Restrictions apply no no it's oh so okay you're making an example yeah can I can I have the

whiteboard I'm gonna have you guys do a little exercise okay okay I want you guys to kind of guess I have the answers here but you're going to thanks no Of course. I'm going to go back to my... As you should, where you go on. That's why you get straight-lined toilet paper in your bathroom. Jeez. They're like...

It's like some weird... Do you want help? Sorry, I'm just thinking about your guys' dynamic. Like, when Noah comes out here for the post show, are you guys just going to be like... Flaming him? Yeah. I don't know.

What the fuck is happening? Do you need help opening that? No, that's a twist. Adaboy. You broke it. Good job. Noah, do we have a new marker? I know Caleb may not budget that in.

You can't blossom around. Got it. Oh, just kidding. Caleb fixed the broken marker. I believe that. With this curvy line toilet paper. Oof. Okay.

So I need you guys to discuss, have a thing. You're going to do a bar next to each, a bar next to each in terms of how much was income, how much was spending, and then the number inside that bar. By the way, your guys' message on the coffee. machine kind of passive aggressive. It's openly aggressive. I'm always openly aggressive. Yeah. So you're going to draw a bar

based on, let's pretend that the income was 5,000 hours. Draw a bar and then write 5,000 hours. And then if the spending, there's 2,500, it would be half the size. I didn't graduate in high school. Thank you for that. You're welcome.

A little consultation. Are we doing both do one? Or just together? I want you guys to decide together. What do you think? Where do you think things are going? You want numbers? Yeah, number in there.

And while they figure out what, like, a bar chart is, a bar graph, feel free to sign up if you want to be on the show and you have an interesting situation, interesting finances, or if you have an opinion you want to challenge, anything like that, you can come be on the show at Calebhammer.com slash apply. You can also get your Hammer Financial Score for free. Link in the description below. You can also get your merch on Caleb.

Pammer.com. At shop. Calebhammer. Oh, I'm so sorry. How do you think about that? That's fine. Do you think it's fine? Yeah.

You're the money, man. Frankly. Is that true? So he runs the money. Yeah. Okay, we'll talk about that in a second. Let's figure out what you guys got. Okay, so here's what they think.

Income in $3,200 and spending $3,000, is that, $700? or $100 or $100? That's a 7. Okay, so you already think you spend, you know, $500 more. Well, that's at least the $6.5. Why? Why are we spending $500 more if that's what we think we're doing? Like, why are we allowing that?

If rent, we already know what rent is. Then if you include your needs on top of that, your minimum monthly payments, it shouldn't stack up to that. So what are we doing? Not spending right. Buying bullshit. Yeah. Why, though?

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now instead of the usual $5 you'd get from your friend's referral. You can also sign it for our investing program and get $100 in cash deposit and into your Moomoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up the free money because I'll punch you. You're borrowing from mom. You have a kid that didn't have a choice to come to this world. Why? Mountain news are good. Why not, I guess? I don't know I yeah

it's definitely not a like a conscious decision but it becomes one at the end of the day gosh it becomes one at the end of the day why haven't you guys sat down like I know you guys blame each other

okay so we blame each other on different things that isn't necessarily the most helpful way to go about a budget but why aren't we sitting down and at least just figuring out where the money is going and taking any kind of self-responsibility without blaming the other person

on where things are going why haven't we sat down and at least said, acknowledged where our own spending habits are. That's fair, yeah. I mean, I've... Does grandma know? That we're spending so much?

Yeah. No. Un-fuck you bullshit. Stupid bullshit. Dumb bullshit. That does not matter in any way whatsoever. Going out to eat was literally double your grocery store spending. It's like the kid doesn't matter.

It's like your grandma doesn't matter. It's like the life doesn't matter. It's like our future doesn't matter. I didn't know that. Of course not, because you even sat down and tried to, figure out where we are. Instead, you guys just point the finger and be like, you shouldn't have spent money on chocolate chips.

You shouldn't have spent money on a coffee maker. You know, that's our solution. That doesn't get us anywhere. Yeah. That doesn't get us anywhere. Yeah. It's also been like a, like if we have the money, I'll spend it. So if we have money for groceries, I'll just go get groceries.

Not thinking. Well, groceries isn't necessarily bad as an inherent product, but certainly budgeting it, figuring out what we can do, you know, probably going through a cheaper meal, plan meal planning techniques six to eight dollars a day on drinks and then you try to go get groceries you're $600 a dollar some drinks yeah

it's like a daily thing well both of us I What are you getting? Red Bulls Why? Why are we getting packs At least at a lower price? It just I think when I was making a lot more money it kind of made us a little bit spoiled I do say oh sure

Because you're making like what 80 a year? I was I made 80 grand last year Okay yeah so And that was after tax. Yeah. We're definitely living quite comfortably. So spending habits weren't really nothing crazy. And now he can't tell me, though.

So if I'm like, I need a Red Bull because the baby's been really hard all day, I'll go get the Red Bull. Now, of course, your income was correct. You already know your income. You're spending, you thought, was $500 more, right? So you thought you're spending was $3,700. You're spending was $6,434. Oh. You guys don't know what the fuck you're doing.

No. You don't even know what your life is. Yeah. Damn. Holy shit. What was the shocked Pikachu face? Like, what was that? Like, $6,000?

That's crazy. It's insane. Yeah. It's definitely on me, too, because I should have just asked to get on sooner to check. Because I, like, didn't, when we started doing the whole he was home, I, like, we kept separate accounts up until, like, two weeks ago. So I never even looked at that. How was your guy? relationship right now it's on the out all right at best huh it's it all right at best it's like a

day-to-day thing did a day-to-day thing and you think it's stemming from this uh there's obviously having a baby is stressful having a baby that fast is stressful yeah we'd only been together for it's because you guys can wrap it up or take any medication or anything and you guys are just like yeah well when we were making 80 grand it made the sense because I knew I wanted kids young. I don't want to be like 50 with like a 10 year old. Have you looked more into the automotive industry in terms of trying to find a job

that at least got you closer to that and come with the experience you had? And you say you have these incredible job interview skills. Not quite. I wanted to make my way out of. I have. Yeah. I want to get out of the automotive.

Why? It's, dude, it's gross. Like, working on that. I didn't like it. I felt real. scummy when I was talking to customers trying to get selling. Yeah, I don't like selling. I didn't like the management because I have worked in a couple other different automotive fields. I've worked at dealership before. I've done

just like a lot of tenant and detailing stuff and it's never been fun. It's just kind of the thing I fell into. Oh, fun. I don't give a shit about fun. No offense. Not right now when you guys are spending double what you make. Fun isn't in the equation of for me. I would say lining more with my morals and what it comes in a workplace. It's just gotten to the point now where I'm having to compromise on like her care because I never wanted to put her in a daycare because I just don't think it's hard well especially at six months right I get so then now

it's to the point where I'm just upset because like I know that I'm probably going to have to get a job what do you want to do then if you're the breadwinner of the house what do you want to do that aligns with your morals I want to be a police officer okay well that's obviously time to go through that. Have you applied? Yeah, I've applied and I just wasn't letting on this go around.

They said come back in two years. Yeah, they said come back in a couple years. Yeah, that was last year. So I feel like it's kind of just been like a holding out or I tell he could apply again. So you have to wait two years now? Yeah. So what's your plan until then?

I'm obviously able to, I have resources. I'm able to gift you like a certification, of course careers, accounting, whatever, anything like that for type of career change. I can't offer you a police certification or anything like that. Yeah. Okay. So what the fuck are you going to do until then?

Because you guys are going to pay the bills, and right now you're not doing anything. You're also spending stupid. Yeah. Yeah. So. What the fuck is your plan? We do have a plan. We are getting better.

Oh? We spent double. Right. Right. Right. Right. I don't know what better is considered to you. We're just planning on me working full time.

Yes. So that is the plan. Yes. And I would do part-time. How do we feel about this? Well, why are you part-time? I won't have her go to someone else for care. Okay, well, what is she going to be doing?

Are you both never going to work at the same time? Or, like, how does this? We plan on working the same time. Where does the kid go? No, no, no. We're going to. You guys aren't even aligned on like, what do you even thinking? He doesn't know what you're asking.

I'm just explaining it wrong. Yeah, no. So I would do, I'd be the 40 hours a week and then he would do about 25. So when I get off or. weekends. I just haven't gotten a job. So you'll never see each other? I mean, yeah, but is that's a way to avoid fighting, I guess, but that's, uh, and then the finances will be fixed by the time that we do see each other. No. So, no. Okay. Do you why? Do you know why? No. Do you guys even know? No. No. It's not your income is a major issue right now.

But it is your fucking spending. I don't give it how much you guys make. You're spending double what you make now. And you're borrowing from grandma to try to fill the gap. And you don't even get close to that anyway. We're taking it from retired granny, Nana, okay? It's not going to be you making more money. It's your f-spending. It's your

behavior. It's your lack of care. It's your lack of discipline. It's your lack of maturity. The kid's popping you guys into maturity real quick because you popped it out. But that has not changed your spending. It has not changed your behavior. It has not changed your maturity. Let's get into the debt. Okay. Something else

you guys are not credit card people capital one we have a balance this isn't a huge balance it's the max it's oh my f*** right it's the max yeah that's insane credit limit i've never seen a credit limit of low is 221 did they lower that at some no it was the the platinum so i paid you're over the limit no you're not you're so close though yeah it's a secured card card it is a secured so i when i got it i put down like a certain amount and then they gave me the 221 and I've had that limit since I got it when I was 18. Okay, so what are we trying to do here, though? I mean, at least with the money that you got,

you're spending so much money, which you only did a little over a minimum of the payment, but then you wouldn't purchase it on it anyway. So it's like, what's the point? Yeah. Like, what are we doing? Not. If we're taking from grandma, again, I really don't get it.

Why are we spending on a card that is accruing interest on a monthly basis, $6, $7, cents there, $25 minimum monthly payment, basically at the max. You put it all the way back up to the max again. Kindle? Go to the library. PlayStation Network. We're not doing that.

We can't afford to live. I'm not saying I don't want you guys to have fun or paid for fun. That is not it. You literally cannot afford to live and we're taking from a retired lady. Okay? The Sims resource. Toronto? Yeah.

That's me. Stop. What is that? It's like a custom content thing for the PC on the system. Buddy, you need the content in your life. Yeah. You need to unlock the content pack where you're able to just like survive. I know it's imaginary at this point.

Yeah. It's basically a loopbox for you whether or not you'll get it. Right. I think that's definitely contributed to it's like, well, if we're going to be poor. Yeah. So that's what we've accepted. We've accepted that our child's going to grow up in a poor house. Great.

That's great. That's what a parent should say, right? No. I haven't accepted it. I'm not poor. I'm broke. It's a difference. Oh, not according to your second half.

Yeah. I've just, yeah. One's given up, one hasn't. How do you lead someone that's given up? How do you go forward with someone who's given up? How do you get into the marriage with someone who's given up? How do you guys get to the final goals that you want to get to if one has given up? It's an anchor.

That's the shit all over you, but like, how do we do this? That's true. I mean, I'm aware that the problem is definitely me. when it comes to spending and the fact that he took on the debt. Because he didn't have any. You took on all the debt? Well, I had debt getting into the relationship. And I think it's a little bit of a savior complex.

And he just felt bad seeing where I was and then took me out of it. And then it was paying on it when I, it stopped working. Okay. So he's been, he's been paying all the bills since last year. So if you're getting into the workplace, what's your, have either of you gone to college at all or anything? I haven't, but I've been working since I was 16, so they don't usually ask when you have that much experience. Well, I get depends on the job. Right. I mean, a lot of it's office jobs, but I used to do operations for like a large furniture store,

so that definitely helps. Okay, so you guys just graduated high school then? Basically. Well, I don't know for a little bit. I don't. No, I mean, that's, that's, I don't have a vacation. Yeah. I don't have fun. Yeah. You didn't graduate. No, I dropped out. Why did you drop out? You don't hear much of that these days. No, we were really financially stuck, and it was affecting my mom's mental health, so then I dropped out to get like a full-time job at 16. Your mom's mental health is allowed to affect your basic core education?

Yeah. That feels almost potentially a little selfish depending. I don't know. Yeah. She tried to put me in an online school, but I was working like 50 hours a week at Chick-fil-A, so it wasn't. 15 hours a week at Chick-fil-A at 16? Wait, why? I'm so confused.

Because we needed the money, so she was working. What was this mental health thing? What are you talking about? Like it would be like we don't have money because she moved us out to Oregon without an emergency fund or anything. Oh, great. This is what I'm worried for your guys' kid because it's like they don't have a choice. They don't have a choice in this world to come into the world. And then if you're just fucking around and putting yourself as desires over them, you're going to put them in a situation that you've been. And you want to be in that generational cycle constantly? No, no. That's why we're here.

Okay, so they moved, she moved there with no emergency fun. Right. Yeah, so I was, I was in school, and then we were in like half of an attic. It was like one bedroom, like an open plan almost. Because in Oregon, there's different housing laws, so he could have, he could rent that out. And we were paying $1,200 for that. And then she was working three jobs to make up for like the living cost of having two kids. I, she's needed money.

So she came to her 16-year-old and said, I need you. to work 50 hours a week. That's kind of gross. I don't know if it was like that. I'm okay with a part-time job to help into the communal thing. If the family is going through hard times, I think she puts themselves

his desires over it. Right. I don't know. Yeah. I disagreed with the home of to Oregon because I was like an AP student and then it just messed everything up.

And it got to the place. So you've worked in operations. What have you made? What has been your highest paying job? It was that. Yeah. What was the like pay? 52?

A year. Yeah. Okay. How long have you? been out of work? A year. Gapen resume, I had a kid. Yeah. And then usually they're a little... You're going to be headed into a harder job market.

Yeah, I have three interviews when you get back. Okay. Good. I've just been turned down from five, so... It happens. It's the name of the game. I'm learning. It sucks. It's humbling. Her numbers game is wild, though. Interview or applying for jobs is, you know, a full-time job and sometimes has to be a little more curated depending on the job and you said that and I realized like I wasn't doing it enough so

I applied like 42 jobs just the last two weeks but only like six of them called back yeah yeah it is a number's emails you know depending on the job you know cover letters and things you know ideally I wouldn't have to work but we're here yeah I don't give a shit but ideally ideally is not the world we live in right the world's not necessarily kind of loving and caring, you just got to figure out your way through it. Like a f*** adult. Are your kids going to be driving out of high school and working at 16? Yeah.

Also, you're spending all of your guys' money, so I don't really give it. That's true. Like, yeah. That's not like we're trying. You guys are living like upper middle class people. Yeah. Making. You're a lower middle class.

Yeah. Ouch. Mathematically, it's not a, you know, insult. That's not even a bad thing. But just you got to live like your real life. Yeah, we yeah this is a 32.24% interest rate I didn't know it was that high. Yeah, holy shit. Yeah, and you guys decided to spend on on PlayStation Network and Sims shi bullshit. Yeah, so instead of paying it off, we keep it at the card. Smart limit. Smart. Real smart guys. When did you guys start dating? Uh, September of 2020. Yeah, 22.

I went turn two. Okay. And then we had like a miscarriage like two months in. And I think that's kind of just what. Two months into dating? Yeah. I think this would just put us down the trajectory of like go, go, go, go, go. One, I'm sorry for the miscarriage.

And two, you guys were pregnant so quick as well at the same time. It was. It was a, it was, it was. I'm looking at the camera. If you're taking birth control and also on antibiotics, it will cancel out. So you can't be on birth control and antibiotics. And it most likely won't be a viable pregnancy if you get pregnant on antibiotics. I guess I need to double up my birth control.

Yes, Caleb. Did you take your dose this morning? Did you miss your alarm? Yeah. Noah sticks it in every time I walk in the office. I figured. I thought you supposed to work for you. Right.

The college is helping to row out. You're right. Speaking of getting f***ing the ass. Let's talk about this Apple card. Yeah. Yeah. That was a mistake. It did a huge $1,730 and $3 balance.

The $52 minimum payment. And that was before the trip here. Trip. Oh. Because you need to use that card to. Well, at least the reimbursement, the flat rate that we give, you better put it right towards us then if that's the case. Yeah. Because that's the plan.

Yeah. I get it. Why is this card balance so high? And bullshit. Yeah. And why? Then why? Why are we bullshit then?

That's, that pisses me off. You're just so, you're knowledgeable of it, but we still do it. So it's just like, what can I even do? I wouldn't say it's bullshit card. Okay, so again, we disagree again. So what, what is it then? Not bullshit. A lot of the whole reason why I got that card, I was was trying to boost my credit score before we met.

So I just used it for small purchases. Okay. And then once we got together and we needed some extra money, for a vet visit or we had unexpected bill or something. You guys have pet insurance? No, but then it turned into, like, oh, we need, like, something at the store or gas. And we're not, obviously, we don't have money because we're spending that much. Yeah.

I just didn't, we didn't have, like, a real financial conversation until we were going to come on. You guys need to go, really until then you haven't had a hawk? Well, I knew it was bad, but it would be like the, are we okay? and then like, well, yeah, because you didn't want me to freak out. Yeah, it's never... Wait, did you even know your finances? The household? I had no idea they were this deep.

Why were you... Why? Wait, why? Why are you ignorant to the household? With the baby, I guess I just didn't care. You didn't care? I didn't think it was my problem. No.

Why didn't you share? Because obviously this is concerning. Why would you... No, no, no, no, no, no, no, no. If my spouse, you know, this imaginary spouse, because she's imaginary. Somebody get Caleb on bubble. If, you know, she was taking care of a kid or whatever, you know,

she wasn't interested in the finances, but something was going wrong that impacts our future and impacts our kid, I would bring it up. That's fair. Because we're both adults. So why did you not bring up anything? It's probably a lot because before I was making a lot of money. So, like, it was never a conversation to ever, like, really have.

because we're always okay. But it is a conversation to have, so why didn't it happen? I just assumed it'd be okay. How? Bad math. I don't know. That's not an answer. That is not an answer.

Why did you think this would be okay? What was your actual logic? You see the debt accumulating. You're at max out card. How are you like it will be okay? I guess it was just holding out hope that things will change. I always knew we always had enough money in the bank account where we can make our bills and we can make our groceries.

so in my head that was comfortable living would be okay but of course if we need anything else it was going to the car and I would just borrowing from your gram what do you mean you have enough in your account to pay your bills what are you talking about that was yeah you are living in full delusion right now the fuck are you on about I commend you for working a lot of hours

I commend you for immediately getting a job after well you quit but I mean still either way you still got a job quickly even though it's not the job you want we just ignored six grand worth of spending. Yeah. Guys, just a quick plug, but this is your last chance to grab a spot

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toward building a better financial future. Just click the link in the description below. I'll see you there. I think, and then also with like the baby and the PPD it was just like, well, this isn't the biggest thing until it was the biggest thing. You guys don't even get married. Are you sure you're even going to get married? If things keep going like this, I mean, it's... Probably not if things keep going like this.

It's a leading cause for divorce in this country. And just the way that... We were raised completely different with money, so the conversations are definitely always stressful. No, you guys just point fingers. It's clear as day. All right, you spend money on chocolate chips. You spend money on coffee. Yeah.

Yeah. You're both irresponsible. The pointing in the fingers is correct. You're both. Yeah. Point them at yourselves as well. Acknowledge. Right.

Okay. No spending. Oh, wait. No, there is. Agave. Psychiatry? It's my therapist. Okay.

20 bucks. How often? Not anymore. Yeah. It was once or twice a month. We can't afford therapy. before therapy. How is therapy the thing we cut when we're spending $700 a month going out to eat?

What the fuck are you guys on about? I think it's... Which one's really better for your mental health? Are you fucking kidding me? It was just that the therapist was like a, the charge was like 140 and I'd rather get a $5 drink than pay $140. Well, all together like with mine and his. So both of you were going and both stopped. Yeah, stopped.

Because it was like the $6 a drink. A couple's therapy though. Well, I mean, yeah. Yeah, and that could, like, save you guys. But Wesley, that's not going to help us get out of the hole. It might if it keeps you guys together and allows you guys to strategize and actually have conversations about money. If you can't have conversations about money, you're never going to get out of the hole.

Right. If you're able to have those healthy conversations, then maybe you will. It's just like those big amounts are so much more overwhelming than, like, getting a drink or going out to eat. Yeah, but that's your guys' issues, the small cuts. Yeah. So small cuts. We can work a little budget. That's one of the last things I cut.

That's why I try to keep gyms in the budget as well. There are certain things that, you know, aren't in need. If we get to the end where we literally cannot afford certain things and we're already at the max of work, like, okay, that's where we can have the conversation. But those are things we try to put in if you feel like we need them. We just haven't. $34 of interest to charge this month. And again, you know, like, and I'm not against the therapy.

I am against putting it on the credit card. Okay. So we only have one car loan? It's just mine, yeah, because he has like a 97 GMC. How is it? Oh, fine. That thing's going to run for a while. Yeah, no.

It did get stolen and then his dad replaced a lot of the stuff. Yeah. So I've always been able to keep up with it working out that shop because repairs were cheap. So everything's basically new on it. The motors only got $150,000 on it. The transmission's only got maybe $90,000 on it. And then we have a Ford Focus as well. Yeah, 2016.

Okay. $8,931. $7. Yeah. You had a late payment. Yeah. That was. You had a f***ed payment.

Yeah. You told me you guys have enough money in your checking account to pay your bills so that's why you don't tell her. And then we had a fucking late payment. So what was happening? I do forget her bills often. Yeah. Then you can't be in control of the finances. That's, I don't.

It's children. You know? Yeah. The late payment was that month we had to make rent. I deferred it. He had to make rent every month. That was the month that we were short. So on top of the money that we borrowed, we deferred the payment and then paid it like 10 days later. And then there was, um...

What do you think it's worth? Carman. That car? Yeah, what do you guys think it's worth? Like six grand. I don't say six? 2,800. Oh, okay.

That's trade in, though. What's private market? I didn't know you kept animals in the back Let's do private market going forward Five private even still Wreless than we thought Yeah and then it was 221

And then they saw like a lapse in the insurance Then it raised like 280 What's the minimum monthly payment on this thing? 280 281 That's gonna have a minimum of payment I mean it starts becoming harder when we're stacking these up And we basically make no money

There's two lay fees Okay great Wonderful. It's a 5.7% interest. This isn't even the worst thing of the world. Yes, you're underwater a couple thousand dollars, but in terms of the overall grand scheme of things, as long as this is running well,

it's not the worst in the world. And the interest rate isn't the worst in the world either, but you guys are late. You're just fucking it up. Yeah. Yeah. It's this? I was a whoops baby,

and my parents were 19 and 20 when they had me. When, or 18 and 19. No, we knew what we were you doing. Uh-huh. Is that what you're about to say? Is this a whoops baby that we had? I thought you already said it was like eh, an eh, baby. We knew, we knew a fornication happened on that week I'd get pregnant.

Okay, so you guys wanted to have a kid. Yeah. I think the miscarriage, like, pushed it forward a lot. The whole relationship went really fast. That's not what I'm saying. Right. When my parents had me, you know, I was a wolf savings. So it's actually even more irresponsible that you guys did it.

But I was a wolf swimming. My dad was, you know, a gas station attendant. And my mom, I was just kind of like a helper in like a glasses place and, you know, like an eye doctor place. You know, neither them made much money. And that meant the vast majority of my childhood and the vast majority of my life was growing up with really difficult finances, hard conversations, really cheap, you know, just spaghetti, every meal, you know, that kind of thing. And it made life hard and it made, I saw them struggle and they did a pretty good job hiding it for me. and, you know, they went in debt to make it me feel like that. I was, like, living, you know, the solid middle class life next to everyone.

But there are foreclosure notices. There are things like that. And that is what your kid's future is right now. Based on your guys, I mean, this car is not the worst thing in the world. The interest rate, the payment, you know, even underwater. It's not like the end of the world car, as long as it's in decent condition. And you guys are fucking it up because you're not willing to literally have a single conversation with each other about money. you are going to have that hard thing

now for what it's worth you can turn it around my mom get a nursing degree she has a successful career there my dad ended up co-finding a business with some people and they've been successful there of course they had to wait until I was out of the house to be successful but either way you can turn it around but you're headed through that tough childhood for you're the kid and then you're already talking about

bringing in a second one you're not even married yet so it's not like we even have like legal the government pays for your babies you're not married. You get covered under access. So I didn't we had no hospital bill. There are substantial tax credits though as well. I don't know what that means. Tax credits. What does that mean? Do I owe them now? Because I had no no no no credits less less. Tax credit. Let's all what's the what? Let me let me look at the tax credits because I don't I'm not popping up children. I don't know. I don't know either. You don't know what? What is the tax credit? Is that like when you write them off?

Yeah, it's essentially against your taxes. Okay. So it's going to be credit. Okay. That's another reason, too, is you get more if you're single on taxes. It just, I didn't. Well, no, when you joint file as a married couple, one, let's second. I'm, um, up to $2,000 per qualifying child under the age of 17.

And 1700 of it is refundable meaning that's like literal cash in your hand. It just didn't. Starts phasing out if you start making. more than $400,000 a year jointly or single at $200,000. And it really doesn't matter if you're married or single on that part. But there are tax benefits for married couples. But married couples was one of them without income.

Why don't you both about to have an income though? No, but we didn't. I mean, yeah, I know. The second child was like if, I mean, obviously now it's not, I'm not going to have a second child with someone. I don't know, not based on what you, said, so how am I supposed to read your mind? It was just the plan.

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You need to be forced to pay your bills. Yeah. We were on auto pay, but then it kept drafting us into the negative. Because we didn't have the amount on the account. It's another credit card. It is. No. Credit Union West.

Which I have two accounts on it. They're both master cards, though. one of them's a credit one of them this is a it's a credit card yeah okay and we're sitting at $454.34

and 38 cents interest is accruing new purchases guys this is I'm this is like how much more of this can we think why are we purchasing on this

what are we supposed to do if we don't have money to get I'll tell you don't go in and get Mountain Dew and don't go to a smoke shop These are not requirements to life. So, fuck you. Okay. What are you supposed to do?

You don't do it. Don't be a dumbass. But that's what, like, keeps the morale up. Fuck your morale. Your morale doesn't exist. It's not going to matter if we're making income if we kill ourselves. Killing yourself by not giving yourself lung cancer? What the fuck you're talking about?

But you know, it's like there's things. There's vices. Everybody has like a little thing that keeps falling. Do puzzles. Figure out. Okay. Sorry. I'm oversimplifying this.

Either way. In general, obviously, glugging down the mountain do, not good for you. Glugging down smoke, whatever. It's not good for you. And you cannot say that, well, how are we supposed to burn money? If it's on things that are a want, and those are a want, no matter the addictive tendency of it, it's a want, you're putting it on a credit card that's building up, that's near Maxx out, that's accruing interest that you're not paying off. That's not where we'd put it in anyway. I'm okay with a vice.

You get on that. You already bought the expensive coffee equipment. Get on the vice of making fancy coffees, you know? You know? Maybe. See, easier said than done. This is more of an addiction that, you know, would need to be worked on. I can't put it in your budget, but.

It's just when you're in those moments and like life is shit because you don't have any money. You get him on due. I get that. But why is life shit now? And why do we not have any money? Because you guys are accumulating. your dad. So I'm not against the, you know, I was kind of joking when I said, um, what was the word? Morale. Yeah. It's not about that. It's like literally your morale is this

going to be forever getting worse because you're kicking the can down the road and this is going to become so bad that, you know, maybe bankruptcy is the only option. You know, maybe we have to borrow a ton of money and have a hard conversation with our family. There's so many bad things that are down the path you guys are headed that are going to make your, make your morale, worse. So I don't care if the morale is slightly hurt by not going and you're getting whatever you're getting from the smoke shop. I don't care if that morale is hit in that moment. If in the long term of your life, your morale is up. So I don't give it. It's not that easy when you're in it. No, it's not. Everything, everything revolving these conversations is easier said than done. We would have to

sit here for 10 hours if we went into the nuance of every single little thing. The addiction is something that you're going to have to work on yourself. I can't put it in your budget. I will not allow myself to put it in your budget. That's something you need to work on for yourself and for the longevity of your life so that you can be around for your kid longer and not develop your weird,

whatever lung shi is going to eventually hit millions of people. Huh? You leave my lung fungi alone. I'm growing it with care. Yeah, it's not funny. You're going to die and leave your kid, okay? Okay. It's not a joke.

It's not a he-hi-he-ha. It's disgusting. Vaping or? Yeah. It's like legitimately is like I don't care. I'll shame it. I don't care. It's nasty.

Like we don't even know the long term consequences of that. Yeah. There's going to be millions of people that are just going to that we're going to have to take care of because they're like let me have flavored nicotine. I'm just glad that you've never had to. Yeah. I've had to stop my own vices. I have my own vices. That and nicotine is one of the most addictive things.

It really is. You know, one of my producers back there kicked nicotine. It's super cool of him. One of my best friends here in Austin also has done that. And it's really difficult. And I know it. Maybe you set up reward systems for you along. Your support system is, who knows, but it's difficult.

And that's something you have to work on yourself. And I can't help you with it. But I can't put it in a budget. Okay. No budgeting for nicotine. No budgeting for future lung cancer. No. So 17% interest.

$50. That's medical debt bill. Just $15. $50? It was a no-show. Huh? It was a no-show. What? A no-show fee. I think that was a thing.

Yeah. Oh, they legitimately didn't. No, they'll charge you if you don't go. They don't make their money. Yeah. They're going to make their money. Okay. I guess I've just never missed one. That was just a joke. They asked for record of cash. Cash on hand. And I told them I have a jar of coins to throw out a robber.

So they wanted documentation. Okay. That's what you have. A big jar. Sure. Got like 10 bucks in there. Oh, good. We'll get our checking and chase is a negative.

This is wonderful. This conversation continues to get better and better. And we're sending out Apple Cash? Like, what the fuck are you doing? Again, I'm good with the gym, but you're negative in your checking account. Plus a monthly service here. You're negative $11. What the fuck are we doing, guys?

Who are you application? That was to you. For what? Drinks. When we're negative? What are the, doing also I thought you guys said you were joint now anyway I didn't what is happening well I still have my account and he has his account um but I'm on his account why is anything going through here

you're negative I just didn't switch it over switch it over be a f***ed off for two seconds well it wasn't a big deal until like a month ago you're negative okay right well it's a big deal okay yeah oh my f*** okay do you guys even care like what are we doing here well Yeah, but when you're in the moment. Wait, is this another, what is this? No, it's counseling. Past due, counseling? Is it?

Yeah, that's the, that's the 145 I owe to the therapist. I was under the assumption that it was covered, and then they sent me that bill with all of it together. That was for three appointments. I don't know what your insurance covers. I don't know what your deductible is. Right. Do you?

I mean, it's Medicaid, so now. Okay. And you guys are just like, let's have a kid for fun. Okay. Like it's a toy. Sure. At least it's $710 in this. Is this a shared checking account?

Yeah. This is. Guys, this is the dumbest thing I've ever seen in my life. So stupid, so selfish. So just childish and gross. Started off the conversation with pleasantries. And you guys are lovely people as people. But this is gross.

It is a door dashing for 40. bucks when we're borrowing money from granny sending apple cash out going inside getting mountain dew sweet treats apple cash sent out i hop getting mountain do sweet treats mountain do sweet treats which draw atm 43 who knows what the f f went withdraw atm two dollar probably a fee burger king going inside getting some mountain do sweet treats mountain do sweet treats mountain do sweet treats mountain do sweet treats tic shop, $136,000 TikTok shop? What the fuck are you getting?

How much was it for? 136! Was that? $17. I looked. The line doesn't connect very well. I thought so. I thought that was got hacked.

Okay. No, that was a father's day gift. Yeah, it was a father's a gift. Are you borrow? Whose father? My father. That would be his. Okay.

You're borrowing from your father's mother. His mom's mom, but yeah. To get gifts. Oh, okay. Well, it's close. Yeah. So,

I don't think we're doing that. I just don't. Right. Like, it doesn't make any sense. Burger King, Netflix, nothing on there anyway. Manscaped. Do you need a subscription? You don't.

You don't. You don't. You're doing a one-time thing? You can. For your special mustache, as you've been touching all conversation. Yeah. Yes.

More nicotine. And Microsoft Ultimate Sending, Apple Cash Out. Apple Cash Out. Burger King. Modern Market Eatery, jack in the box. Blue Martini.

Blue Martini. This is, guys. Going inside. I'm, uh, Mountain Dew Sweet Treat, Spotify, cash happening out $30, cash apping out $8,

Apple cash out $8, Apple bill, in-app, subscription, who knows, $10.31, going inside getting a sweet treat Mountain Dew, Disney Plus, Apple Cash sent out. Goodwill, eh, you never really know. You can get things you actually need. Okay, I'm okay with that. What I'm not okay with is then going to getting Mountain Dew Sweet Treats and Mountain Dew Sweet Treats and Mountain Do Sweet Treats and Mountain Do Sweet Treats

in my own do sweet treats. Apple Cash sent out. Guys, this is ridiculous. Who the what the fuck are you guys sending money to so much? It's between him and I. Because if I don't have money in my account. I thought you guys use this jointly. I guess we've just been lazy.

I haven't switched to. Stop being lazy. How are you guys allowed to be lazy? How is there even room or time or anything here for laziness? I mean, when you're raising a kid, you're not thinking about... You're raising the kid to try to live a better life. And because you're a little lazy right now, you're in their future.

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Modern Market Deatery. Mountain Dews Sweet Tree. Amazon. Blue Martini. Again, we're obsessed with that place. $141 there. We got sent that back. like half, almost all of it.

Because I go out with his sister and then she sends it back to his card. Okay. Mama do sweet treat. Smoke shop. So we have two addictions. Diabetes and lung cancer. Apple bill. Mama do sweet treat.

Momadu Sweet treat. Door to Ashley McDonald's. Great. Withdraw by check, $72. Who knows where that went? Plus a fee of $5. Panda Express. Waffle House.

Are you kidding me, guys? my one do sweet tree Super star Car was It's a car wash Car wash I forgot that was four What's where do you live again?

That was my cars I forgot Okay you don't get snow You do you get a lot of dirt Okay well dirt's okay You're not getting like the salt and rust and shit What date was that? Use a hose

You can't use the water at the apartment complex You get fined You spit all right Apple Cash Sportman's Warehouse Mountain Dew Sweet Tree which are from the ATM $43

$2.2 fee another $23 out with a $2 fee Mountain Dew Sweet Tree Amazon Apple Bill Us Mountain Dew Sweet Tree Apple Bill and Mountain Dew Sweet Tree This is insane

You spent $2,000 more than you brought in This is fucking insane Also you guys can have Your little special vices that you guys do every day. Childish, immature, putting yourself

before your kid's future. It's gross. It's gross. I'm disgusted. I don't know. What? I just... You don't care?

It's not that I don't care. It's just... Are you kidding me? I agree that some of it is definitely childish. I just think... Some of it? Six months old is the kid. They have 17 and a half more years with you.

This is what they're going to have to deal with? Is their mom and dad putting their vices over them? No. That's why we're here. That's not an excuse. That's what a lot of people say. That's why you're here.

No, I'm answering a question. And if you answer it and you don't seem to care, I'm going to call it out. Okay. Being here isn't a magical solution. I will give you the wake-up call. I will connect you with the resources.

Go through our budgeting class. Go through our investing class. It's bundled now at a lower price, by the way. I guess it is like selfishness. I don't know. I had like really bad PPD. So it was... PPD.

Yeah. Postpartum depression. Oh, yeah, that does suck. Yeah, so then it definitely was on me because I'd be like, I need this thing, so I'm like super sad, and then he would get it. Okay, was that clinically diagnosed? Yeah. Okay.

I just got off Web of D. That was a joke. It was clinically diagnosed. Noah thinks you look like a flamboyant pirate. You can make fun of him not having hair on top of his head in the post show. That's sorry. You'll lose it. I'll keep that out to you.

Yes. This is why we need to keep him in the back. I know. Flamboyant pirate. You miss me when I have a long hair. He is with some of your guys' guests. I look great. I think you look good.

Thank you. You like touching it. It's like a pet too. It is like a huge pet peeve of mine. It's just like you sit there and you see a khr. I always lick like my like, uh, like the lip-ticklers. I always get like a long hair right here. Yeah.

He calls them as feelers like a bug. That's pretty funny. It's not funny when I'm trying to eat a fucking sandwich I eat half a mustache though Yeah hopefully you're making it because Well you can't afford to buy one I'd be the one making it up 47 dollars in this checking account

So what's the point of this checking account This is your checking account That's the one really So my grandmother had set up this checking account When I was a child And she was just putting a couple dollars Here and there all the way It's Harkins nor Tierra

That's a movie theater Great so movie theater Movie theater More Moundu's who treats ATM would draw $303. Who knows where that went? Great. That was for rent.

So it's more spending. Rent's okay, but more sweet treats and the movies. Because, again, our pleasure, our instant gratification, that's more important. $3,000 invested. Is that what's invested to our name? My name. Yeah. All right, because you guys definitely don't consider yourselves together.

In terms of like an actual partnership, actual commitment for the future. that's as clear as day with the language you guys use. You've been good. I'll put this away. You haven't touched the table once. I'm glad we've earned. I switched to my mustache. Yeah.

I mean, necessary food was 6.1% of your spending. Your spending, we also know, was 50% more than you made. But either way, within that spending, 11% was going out to eat. Miscellaneous bull is 8.4% of the large purchases 11.1%. Like, this is just insane, guys. That's laundry mat, ATM withdraw $303 and Apple cash out $212. $200 a mountain do we think, just about insane. Yeah, well, like that, yeah.

You're the next to buggy. Congratulations. Oh, great. No, you're dating way too within your age range to be buggy. That's the fact. What is this? Nothing. Don't worry about it.

Do you know? not people making money at jobs. Yeah, that's true. No more terminally online. If you're going to get a job, get a job. Yeah. Which is honestly a play. I like that you guys can do it without putting the kid in child care.

And you guys are just working weird hours. That's just the one thing I won't compromise on. I'd rather have us. And that's fine. It's going to be interesting. Curious to see how sustainable it is. That's the worry. All right.

I think what's your rent again? 15 after everything. After utilities and internet? Yeah, it's after utilities. And internet? Renters insurance, okay. Phone, bill? $200, something?

Well, I don't pay mine. Mine's $98. His parents pay for his. $98? Guys, I assume you still owe money on your phone. Mine's paid off. That's just what my mom said I owed her. Get your own line with helium for 20 bucks a month, dude.

Can't just do that? I don't... Do they get service everywhere? Yes, T-Mobile T-Mobile's not that great. T-Mobile, well, it's great here. I have T-Mobile. I have T-Mobile. Well, good for you guys.

I like my Verizon. Great, yeah, let's continue to pay for things we can't afford. That's some... Are they gonna... It's spoiled. Never heard of HILB. That's spoiled brat behavior, no offense. I mean, I don't care.

car insurance for both I don't pay car insurance mine's we do mile by mile because it's cheaper since I don't drive You don't pay for car insurance? He don't pay for his parents pay for his insurance and fun You really are a child, okay That's okay I mean if that's what they want to do

I was paying it for a little bit You're getting money from everywhere Yeah From everyone because you guys can't Okay Mine is Mile by mile Yeah so because I don't drive that often

It would have been $500 a month Because I have accidents So I just did mile by mile So what is it normally? Like 120 a month. How much gas for both of you? 50 every two weeks for mine. Mine's maybe $40 a month, like $90.

140? $140? TP fund anything else you need to exist, $200, and that's because the kid's expensive and you've got to put all that. Food, we're meal preppping aggressively a couple times a week. We're just eating cheap, but we're eating healthy. Use the one in the budgeting program,

address it to your needs. And with the kid, I'm thinking you guys can do... We also use Aldi, which is really good. Yeah. Yeah. $600 a month. That's more than... Yeah, that's more than what we're...

I'm used to spending on groceries. Yeah, but you guys go out to eat. Yeah, I guess it's true. I'll do $500. If you can do $500, $500,000, but I'll allow up to $600. Medical, let's get those co-pays. A couple... What if you do, like, two therapy sessions a month?

What would that cost you each? $200. Huh? If we did two apiece? Yeah. $200 bucks. Is it just for you all together? Okay, let's see if that works.

What's the gym membership? It's just mine, which is 25, I think. There's this 25? Yeah. I thought it was 15. No, I have the black card so I can take Blake. Ah. And you guys said you had a pet?

Yeah, we have a dog. Pet insurance? No? No. I think you should. Yeah. Because that can add like a $5,000 bill to you because they eat. I guess it's, put $20 on there.

It's the same thing as like when we got the vet charge was like, you know, like a thousand so then we don't how much for dog food a month oh that's a hundred no because it's i mean we get his food like once every three weeks and it's 40 bucks for the okay so 80 maybe any minimum of debt payments to 81 plus 25 plus 52 plus 25 we're looking at 383 see where you guys are out you guys think you know where you're at or is this like uh i took we're about to find out yeah we're not going to Great. How much hits your account on a monthly basis right now? 8.50 a week.

850 a week. 850 a week. Hits. Just do 800 every week. That's what hits the account though. That's not what's before taxes. No, 18. Yeah, that's what hits the account. Yeah. 850. Times 52 divided by 12. Some months or longer, some are shorter. 3,466. You guys have room. There's no excuse for borrowing from your grandma. There's no excuse for spending the money that you guys have.

There's no excuse for being sure. You guys have the money. And you're going to make more and you're going to bring in money. Honestly, I mean, this is kind of simple to me. You're going to work part-time. You're going to get a full-time job making like 50. You guys are going to be able to pay off this debt pretty quick. Just pay off medical, then therapy, then Capital One,

then the MasterCard, then the Apple Card, then even pay off the Ford Focus just to get rid of risk, get a fully funded emergency fund. I think you guys can do that in like a year and a half. pay off the Ford Focus in a year? And a half, mm-hmm. Yeah, because you guys are already making more right now than you need to live barely. And if you truly focus in and just tackle debt as the top priority,

yeah, absolutely. With you making 50 and you working part-time, yes. Absolutely. But what would that be like a month just going into the car? Huh? Well, after all the other debt is paid off, your minimum fee payments again are lower at that point. I'll have like an extra $100.

throw towards it. And then you're making again 50 and then you're making part-time. I'm making what like 75,000 bucks a year maybe depending. Plus with paying less than taxes because the kid. Just seeing those numbers makes you feel like and then if you guys are married, you'll have married tax benefits as well. Is it a benefit to get married though? Like actually money. Yes, you get tax benefits. I can I can bring up the exact. I just yeah. In general, I don't know, because like my mom always said it was easier not to. I don't think you should be taking easy in what way like sure yeah

like filing or with kids do you no okay I believe you I don't think you should be taking financial advice for your mom that's fair I mean I can sit you guys down with her in-house CPA that you guys can talk to if you guys want to be coached financial coaching you get a higher standard

deduction as and lower tax rates as a married couple obviously there's child tax credit and earn income tax credit as well Oh, I forgot about this, but there's also the spousal IRA contributions. So one with little to know earned income like you, we're able to contribute to both of your tax retirement accounts, essentially almost like doubling your IRA, which is kind of cool. And obviously spousal and survivor benefits for social security.

But I mean, there's a lot of things here, guys. I should just probably stop listening to people. Well, I mean, I don't know the exact argument. I can't argue against it unless I know what it is. So you guys have this? You guys have this. Yeah. Once you start doing your job and you're doing the part-time thing,

if you're able to do it for a year and a half, let's call it two years to pay off all the debt, have a fully front of an emergency fund, then you can figure out what you guys want to do for careers and everything from there. But that'll be when you can apply to the police again. So you guys just need to cut back, pretend like you're living on nothing because you guys are living on nothing right now. You can't afford anything.

That's not how I want you guys to live. Don't get me wrong, but that's just like the literal reality or situation. And you brought a kid into this world against their will. So live a good life. for them and with them and you can do that with simple sacrifice like literally just simple sacrificing just for a couple years which is absolutely nothing you'll be 25 and you'll be 23 so or you'll be 23 so there's just that's nothing we're in our mid 20s and you guys have a fully

fought on emergency fund and no debt you guys will retire multi-millionaires contributing yeah Okay. If you do 50, 30, 20%, 50% I need, 30% on wants, 20% into investing. If I open up my Moomoo app right now, my brokers that I use and I buy like some S&P 500 or some SPY, and I compound that over the course of multiple decades by the time I hit 59.5 where things, that's where your tax and energy accounts like the IRAs can be withdrawn penalty free, you guys will have a couple million bucks, you know, if we're actually making the money that you suggest you're going to be making.

And you're going to have a great pension program likely through your police, anyway so there's a lot of opportunities here sacrifice for just a year and a half guys your life is done but it said you guys have been acting like children and you're putting your wants and vices over over your literal child so yeah i it's a pretty easy solution it's literally just your sacrifice it's literally just basic thing spending a budget you overspent by double zero out of ten your debt it's not even like the worst debt you guys is you're spending stupid so you're allowing yourself to get into bad debt. Three out of ten.

Emergency Fund, nothing right now. You drained it at 0.10 retirement. I know you're at nothing. You've started for your age. I'm happy combining it as a household, kind of pretending like you guys are married. You're going to put that at 3 out of 10 because you're kind of anchoring down on that.

Real estate, 0 out of 10 for now. It's going to be a hammer financial score only rounding up 1.5 out of 10. Make sure to stick around for the post show. We're going to have Noah coming here, who they seem to hate. So we're going to bash and we're going to jump into some more drama. There are some things that we didn't get into that are on the more drama side of things, the more T side of things.

So we'll talk about that in the post show. You can join in the link in the description below. Also to make sure to check out all the resources there as well. They are what I use or would use in specific situations, including the best budgeting and investing programs now bundled at a lower price. Check them out. Join us for the post show. Today on the financial audit post show. We heard a little birdie say you maybe have a touch of the tism.

Oh, I wouldn't be a surprise or not. Yeah, do I need to be like more expressive? Huh? You want me to be more expressive? I don't care. You'd be you. So you can pick up on the social cues and stuff? We're still going.

This is starting to become like... Because we get like, you understand numbers and stuff. To watch the financial audit post show, click the join button below.